/* ============================================================
   PRESTO HOME LOANS — Design System
   Cormorant Garamond + DM Sans · Navy + Gold + Cream
   ============================================================ */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300;0,400;0,500;0,600;1,300;1,400;1,500&family=DM+Sans:opsz,wght@9..40,300;9..40,400;9..40,500;9..40,600&display=swap');

/* ── VARIABLES ─────────────────────────────────────────────── */
:root {
  --navy:         #0D1B2A;
  --navy-mid:     #142233;
  --navy-light:   #1C2E42;
  --navy-border:  rgba(255,255,255,0.07);

  --gold:         #C8A84B;
  --gold-light:   #E8D89A;
  --gold-dim:     rgba(200,168,75,0.55);
  --gold-faint:   rgba(200,168,75,0.08);
  --gold-border:  rgba(200,168,75,0.22);

  --cream:        #F7F3EE;
  --cream-mid:    #EDE8DF;
  --cream-border: rgba(28,26,20,0.10);

  --teal:         #0E6B53;
  --teal-light:   #E0F4EE;
  --teal-border:  rgba(14,107,83,0.3);

  --ink:          #1C1A14;
  --ink-mid:      #4A4535;
  --ink-muted:    #7A7260;
  --ink-faint:    #A8A090;
  --white:        #FFFFFF;

  --max-w:        1200px;
  --pad:          clamp(1.25rem, 5vw, 3rem);
  --section-pad:  clamp(4.5rem, 9vw, 7.5rem);
}

/* ── RESET ─────────────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; -webkit-font-smoothing: antialiased; }
body { font-family: 'DM Sans', sans-serif; background: var(--cream); color: var(--ink); line-height: 1.7; overflow-x: hidden; }
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font-family: inherit; }
button { cursor: pointer; border: none; background: none; }

/* ── TYPOGRAPHY ─────────────────────────────────────────────── */
.cg { font-family: 'Cormorant Garamond', serif; }

h1, h2, h3 { font-family: 'Cormorant Garamond', serif; font-weight: 400; line-height: 1.1; }
h1 { font-size: clamp(3.25rem, 6vw, 5.5rem); letter-spacing: -0.02em; }
h2 { font-size: clamp(2.25rem, 4vw, 3.5rem); letter-spacing: -0.015em; }
h3 { font-size: clamp(1.4rem, 2.5vw, 1.9rem); }

em { font-style: italic; }
p { line-height: 1.75; }

.eyebrow {
  font-size: 0.6875rem; font-weight: 600;
  letter-spacing: 0.22em; text-transform: uppercase;
  display: block; margin-bottom: 1rem;
}
.lead { font-size: 1.0625rem; font-weight: 300; line-height: 1.8; }

/* ── LAYOUT ─────────────────────────────────────────────────── */
.wrap { max-width: var(--max-w); margin: 0 auto; padding: 0 var(--pad); }
.section { padding: var(--section-pad) 0; }

.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }

.text-center { text-align: center; }
.text-gold { color: var(--gold); }
.text-gold-light { color: var(--gold-light); }
.text-muted { color: var(--ink-muted); }
.text-faint { color: var(--ink-faint); }
.text-white { color: var(--white); }

.mt-sm { margin-top: 0.75rem; }
.mt-md { margin-top: 1.5rem; }
.mt-lg { margin-top: 2.5rem; }
.mt-xl { margin-top: 4rem; }
.mb-sm { margin-bottom: 0.75rem; }
.mb-md { margin-bottom: 1.5rem; }
.mb-lg { margin-bottom: 2.5rem; }

.gold-rule { width: 44px; height: 2px; background: var(--gold); margin-bottom: 1.5rem; }
.gold-rule-center { margin-left: auto; margin-right: auto; }

/* dark section color overrides */
.bg-navy    { background: var(--navy); }
.bg-cream   { background: var(--cream); }
.bg-mid     { background: var(--cream-mid); }
.bg-teal    { background: var(--teal); }
.dark-text  { color: var(--white); }
.dark-text .eyebrow  { color: var(--gold-light); }
.dark-text .text-muted { color: rgba(255,255,255,0.6); }
.dark-text h1, .dark-text h2, .dark-text h3 { color: var(--white); }
.dark-text h1 em, .dark-text h2 em, .dark-text h3 em { color: var(--gold-light); }
.dark-text p { color: rgba(255,255,255,0.7); }

/* ── NAV ─────────────────────────────────────────────────────── */
.nav {
  position: fixed; top: 0; left: 0; right: 0; z-index: 100;
  padding: 1.25rem var(--pad);
  display: flex; align-items: center; justify-content: space-between; gap: 1.5rem;
  transition: background 0.4s, backdrop-filter 0.4s, box-shadow 0.4s;
}
.nav.scrolled {
  background: rgba(13,27,42,0.93);
  backdrop-filter: blur(18px);
  -webkit-backdrop-filter: blur(18px);
  box-shadow: 0 1px 0 var(--gold-border);
}
.nav-logo img { height: 52px; width: auto; display: block; }

.nav-links {
  display: flex; align-items: center; gap: 1.75rem;
  list-style: none;
}
.nav-links a {
  font-size: 0.8125rem; font-weight: 400; letter-spacing: 0.02em;
  color: rgba(255,255,255,0.72);
  transition: color 0.2s;
  white-space: nowrap;
}
.nav-links a:hover,
.nav-links a.active { color: var(--gold-light); }

/* dropdown */
.nav-item { position: relative; }
.nav-item > a { display: flex; align-items: center; gap: 0.3rem; }
.nav-dropdown {
  position: absolute; top: 100%; left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: var(--navy-mid);
  border: 1px solid var(--gold-border);
  border-radius: 10px; padding: 14px 0 0.5rem;
  min-width: 230px;
  opacity: 0; visibility: hidden;
  transition: opacity 0.22s, transform 0.22s;
  box-shadow: 0 12px 40px rgba(0,0,0,0.35);
}
.nav-item:hover .nav-dropdown {
  opacity: 1; visibility: visible;
  transform: translateX(-50%) translateY(0);
}
.nav-dropdown a {
  display: block; padding: 0.6rem 1.25rem;
  font-size: 0.8125rem; color: rgba(255,255,255,0.68);
  transition: color 0.2s, background 0.2s;
}
.nav-dropdown a:hover {
  color: var(--gold-light);
  background: var(--gold-faint);
}

.nav-cta {
  background: var(--gold); color: var(--navy);
  font-size: 0.8125rem; font-weight: 600;
  padding: 0.6rem 1.375rem; border-radius: 3rem;
  letter-spacing: 0.02em; white-space: nowrap;
  transition: opacity 0.2s, transform 0.2s, box-shadow 0.2s;
  flex-shrink: 0;
}
.nav-cta:hover {
  opacity: 0.92; transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(200,168,75,0.35);
}
.nav-phone {
  color: var(--gold);
  font-size: 0.8125rem; font-weight: 600;
  white-space: nowrap; flex-shrink: 0;
  margin-right: 0.5rem; text-decoration: none;
}
.nav-phone:hover { opacity: 0.8; }

/* hamburger */
.nav-hamburger {
  display: none; flex-direction: column;
  gap: 5px; padding: 4px; flex-shrink: 0;
}
.nav-hamburger span {
  display: block; width: 22px; height: 1.5px;
  background: var(--white);
  transition: transform 0.3s, opacity 0.3s;
}

/* mobile menu */
.nav-mobile {
  position: fixed; inset: 0; z-index: 99;
  background: var(--navy);
  display: flex; flex-direction: column;
  padding: 5.5rem var(--pad) 2rem;
  transform: translateX(100%);
  transition: transform 0.38s cubic-bezier(0.16,1,0.3,1);
  overflow-y: auto;
}
.nav-mobile.open { transform: translateX(0); }
.nav-mobile-close {
  position: absolute; top: 1.25rem; right: var(--pad);
  font-size: 1.375rem; color: rgba(255,255,255,0.5);
  transition: color 0.2s;
}
.nav-mobile-close:hover { color: var(--white); }
.nav-mobile-links { display: flex; flex-direction: column; }
.nav-mobile-link {
  font-family: 'Cormorant Garamond', serif;
  font-size: 2rem; font-weight: 400;
  color: rgba(255,255,255,0.8);
  padding: 1.125rem 0;
  border-bottom: 1px solid var(--navy-border);
  transition: color 0.2s;
}
.nav-mobile-link:hover { color: var(--gold-light); }
.nav-mobile-cta { margin-top: 2rem; }

/* ── HOME HERO ───────────────────────────────────────────────── */
.hero {
  min-height: 100vh;
  background: var(--navy);
  display: grid;
  grid-template-columns: 55% 45%;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 25% 60%, rgba(200,168,75,0.05) 0%, transparent 55%);
  pointer-events: none; z-index: 1;
}
.hero-content {
  padding: clamp(7rem,12vw,10rem) var(--pad) clamp(4rem,6vw,5.5rem) clamp(1.25rem,6vw,4.5rem);
  display: flex; flex-direction: column; justify-content: flex-end;
  z-index: 2;
  background-image: url('../images/PRESTO_transp.png');
  background-repeat: no-repeat;
  background-size: 52% auto;
  background-position: 1.25rem 28%;
}
.hero-eyebrow { color: var(--gold); margin-bottom: 1.75rem; }
.hero-h1 {
  font-size: clamp(3.5rem, 5.5vw, 5.25rem);
  color: var(--white);
  margin-bottom: 1.75rem; letter-spacing: -0.025em;
}
.hero-h1 em { color: var(--gold-light); }
.hero-sub {
  font-size: 1rem; font-weight: 300;
  color: rgba(255,255,255,0.62);
  line-height: 1.8; max-width: 420px;
  margin-bottom: 2.5rem;
}
.hero-ctas { display: flex; gap: 0.875rem; flex-wrap: wrap; align-items: center; }

/* hero image panel */
.hero-img-panel {
  position: relative; overflow: hidden;
}
.hero-img-panel img {
  width: 100%; height: 100%;
  object-fit: cover; object-position: top center;
}
.hero-img-panel::after {
  content: '';
  position: absolute; inset: 0;
  background: linear-gradient(
    to right, var(--navy) 0%, transparent 25%
  ), linear-gradient(
    to top, var(--navy) 0%, transparent 35%
  );
}

/* hero logo is now a CSS background-image on .hero-content */

/* ── 90-DAY PATH HOMEPAGE FEATURE ───────────────────────────── */
.path-split { display: grid; grid-template-columns: 7fr 5fr; gap: 5rem; align-items: center; }
.path-phases { display: flex; flex-direction: column; gap: 0.625rem; margin: 1.75rem 0; }
.path-phase {
  display: flex; align-items: center; gap: 1.125rem;
  padding: 0.875rem 1.25rem;
  background: var(--white); border: 1px solid var(--cream-border);
  border-radius: 10px; transition: border-color 0.2s;
}
.path-phase:hover { border-color: var(--gold-border); }
.path-phase-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.625rem; font-weight: 300;
  color: var(--gold); flex-shrink: 0; min-width: 28px; line-height: 1;
}
.path-phase strong { font-size: 0.875rem; font-weight: 500; color: var(--ink); display: block; }
.path-phase p { font-size: 0.8125rem; color: var(--ink-muted); margin: 0.1rem 0 0; }
.path-visual {
  background: var(--navy); border-radius: 18px;
  padding: 3rem 2.5rem; text-align: center;
  position: relative; overflow: hidden;
}
.path-visual::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 50% 0%, rgba(200,168,75,0.09) 0%, transparent 65%);
  pointer-events: none;
}
.path-big-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(6rem,10vw,8.5rem); font-weight: 300;
  color: var(--gold); line-height: 1;
  position: relative; z-index: 1;
}
.path-visual-sub {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.125rem; font-style: italic;
  color: rgba(255,255,255,0.55);
  margin-bottom: 1.75rem;
  position: relative; z-index: 1;
}
.path-divider {
  width: 40px; height: 1px; background: var(--gold-border);
  margin: 0 auto 1.5rem;
  position: relative; z-index: 1;
}
.path-visual .check-list { text-align: left; position: relative; z-index: 1; }
.path-visual .check-list li { font-size: 0.875rem; color: rgba(255,255,255,0.58); }
.path-visual .check-list li::before { color: var(--gold); }

/* ── CO-BRAND ASSET CARDS ────────────────────────────────────── */
.asset-card {
  background: var(--white); border: 1px solid var(--cream-border);
  border-radius: 14px; padding: 2rem;
  transition: border-color 0.3s, transform 0.3s, box-shadow 0.3s;
}
.asset-card:hover {
  border-color: var(--gold-border);
  transform: translateY(-5px);
  box-shadow: 0 14px 44px rgba(28,26,20,0.08);
}
.asset-card-icon { font-size: 2rem; margin-bottom: 1rem; }
.asset-card h3 { font-size: 1.25rem; color: var(--ink); margin-bottom: 0.5rem; }
.asset-card p { font-size: 0.875rem; color: var(--ink-muted); line-height: 1.75; }

/* ── RESPONSIVE (additions) ──────────────────────────────────── */

/* ── PROOF BAR ───────────────────────────────────────────────── */
.proof-bar {
  background: var(--navy-mid);
  border-top: 1px solid var(--gold-border);
  border-bottom: 1px solid var(--gold-border);
  padding: 1.1rem var(--pad);
}
.proof-bar-inner {
  max-width: var(--max-w); margin: 0 auto;
  display: flex; align-items: center;
  justify-content: center; flex-wrap: wrap;
}
.proof-item {
  display: flex; align-items: center; gap: 0.625rem;
  padding: 0.45rem 1.625rem;
  border-right: 1px solid rgba(200,168,75,0.18);
}
.proof-item:last-child { border-right: none; }
.proof-icon { font-size: 0.875rem; color: var(--gold); flex-shrink: 0; }
.proof-text { font-size: 0.8rem; color: rgba(255,255,255,0.68); white-space: nowrap; }
.proof-text strong { color: var(--gold-light); font-weight: 500; }

/* ── BUTTONS ────────────────────────────────────────────────── */
.btn {
  display: inline-flex; align-items: center; gap: 0.45rem;
  font-size: 0.9rem; font-weight: 500;
  padding: 0.825rem 1.75rem; border-radius: 3rem;
  transition: all 0.25s; letter-spacing: 0.015em;
  line-height: 1; cursor: pointer;
}
.btn-primary {
  background: var(--gold); color: var(--navy);
}
.btn-primary:hover {
  background: var(--gold-light);
  transform: translateY(-2px);
  box-shadow: 0 8px 28px rgba(200,168,75,0.32);
}
.btn-ghost {
  background: transparent; color: var(--white);
  border: 1px solid rgba(255,255,255,0.32);
}
.btn-ghost:hover {
  border-color: var(--gold-dim);
  color: var(--gold-light);
}
.btn-dark {
  background: var(--navy); color: var(--white);
}
.btn-dark:hover { background: var(--navy-light); }
.btn-outline {
  background: transparent; color: var(--gold);
  border: 1px solid var(--gold-border);
}
.btn-outline:hover { background: var(--gold-faint); }
.btn-teal {
  background: rgba(255,255,255,0.15); color: var(--white);
  border: 1px solid rgba(255,255,255,0.25);
}
.btn-teal:hover { background: rgba(255,255,255,0.22); }
.btn-sm { padding: 0.575rem 1.25rem; font-size: 0.8125rem; }
.btn-lg { padding: 1.0rem 2.25rem; font-size: 1rem; }
.btn-block { width: 100%; justify-content: center; }

/* ── SECTION HEADER ─────────────────────────────────────────── */
.sh { margin-bottom: 3rem; }
.sh .eyebrow { color: var(--gold); }
.dark-text .sh .eyebrow { color: var(--gold-light); }
.sh h2 { margin-top: 0.25rem; }
.sh p { max-width: 560px; margin-top: 1rem; }
.sh.center { text-align: center; }
.sh.center p { margin-left: auto; margin-right: auto; }

/* ── PILLAR CARDS ───────────────────────────────────────────── */
.pillar {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: 14px; padding: 2rem;
  transition: border-color 0.3s, transform 0.3s, box-shadow 0.3s;
}
.pillar:hover {
  border-color: var(--gold-border);
  transform: translateY(-5px);
  box-shadow: 0 16px 48px rgba(28,26,20,0.08);
}
.pillar-icon {
  width: 44px; height: 44px;
  border-radius: 10px;
  background: var(--gold-faint);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.25rem; margin-bottom: 1.25rem;
  border: 1px solid var(--gold-border);
}
.pillar h3 { font-size: 1.35rem; font-weight: 500; color: var(--ink); margin-bottom: 0.625rem; }
.pillar p { font-size: 0.9rem; color: var(--ink-muted); line-height: 1.75; }
.pillar-link {
  display: inline-flex; align-items: center; gap: 0.35rem;
  font-size: 0.8125rem; font-weight: 500; color: var(--gold);
  margin-top: 1.375rem;
  transition: gap 0.2s;
}
.pillar-link:hover { gap: 0.625rem; }

/* ── URGENCY BAND ───────────────────────────────────────────── */
.urgency-band {
  background: linear-gradient(135deg, #0D1B2A 0%, #111f30 60%, #142233 100%);
  border-top: 1px solid var(--gold-border);
  border-bottom: 1px solid var(--gold-border);
  padding: clamp(3rem,6vw,4.5rem) 0;
  position: relative; overflow: hidden;
}
.urgency-band::before {
  content: '';
  position: absolute; top: -30%; right: -5%;
  width: 500px; height: 500px;
  background: radial-gradient(circle, rgba(200,168,75,0.07) 0%, transparent 65%);
  pointer-events: none;
}
.urgency-inner {
  max-width: var(--max-w); margin: 0 auto; padding: 0 var(--pad);
  display: flex; align-items: center; justify-content: space-between; gap: 2.5rem;
}
.urgency-tag {
  display: inline-flex; align-items: center; gap: 0.4rem;
  background: var(--gold-faint); color: var(--gold-light);
  font-size: 0.625rem; font-weight: 700;
  letter-spacing: 0.2em; text-transform: uppercase;
  padding: 0.3rem 0.8rem; border-radius: 2rem;
  border: 1px solid var(--gold-border);
  margin-bottom: 0.875rem;
}
.urgency-band h2 { font-size: clamp(1.75rem, 3vw, 2.75rem); color: var(--white); margin-bottom: 0.75rem; }
.urgency-band h2 em { color: rgba(255,255,255,0.85); }
.urgency-band p { font-size: 0.9375rem; font-weight: 300; color: rgba(255,255,255,0.72); max-width: 530px; }
.urgency-cta-col { flex-shrink: 0; display: flex; flex-direction: column; gap: 0.75rem; text-align: center; }

/* ── ABOUT SPLIT ────────────────────────────────────────────── */
.about-split { display: grid; grid-template-columns: 5fr 7fr; gap: 5rem; align-items: center; }
.about-photo-wrap {
  position: relative;
}
.about-photo-wrap img {
  width: 100%; border-radius: 4px;
  aspect-ratio: 3/4; object-fit: cover; object-position: top;
}
.about-photo-wrap::after {
  content: '';
  position: absolute;
  bottom: -1.25rem; right: -1.25rem;
  width: calc(100% - 1rem); height: calc(100% - 1rem);
  border: 1px solid var(--gold-border); border-radius: 4px;
  z-index: -1;
}
.cred-tags { display: flex; flex-wrap: wrap; gap: 0.5rem; margin-top: 1.5rem; }
.cred-tag {
  font-size: 0.75rem; font-weight: 500;
  background: var(--gold-faint);
  border: 1px solid var(--gold-border);
  color: var(--ink-mid);
  padding: 0.3rem 0.875rem; border-radius: 2rem;
}

/* ── REVIEW CARDS ───────────────────────────────────────────── */
.review-card {
  background: var(--navy-light);
  border: 1px solid var(--gold-border);
  border-radius: 14px; padding: 1.875rem;
}
.review-stars { color: var(--gold); letter-spacing: 3px; font-size: 0.875rem; margin-bottom: 1rem; }
.review-text {
  font-size: 0.9375rem; font-style: italic; font-weight: 300;
  color: rgba(255,255,255,0.72); line-height: 1.75;
  margin-bottom: 1.375rem;
}
.review-author { font-size: 0.8125rem; font-weight: 500; color: var(--gold-light); }
.review-source { font-size: 0.75rem; color: rgba(255,255,255,0.38); margin-top: 0.2rem; }

/* ── CITY CARDS ─────────────────────────────────────────────── */
.city-card {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: 12px; padding: 1.625rem;
  cursor: pointer; text-align: center;
  transition: all 0.3s;
}
.city-card:hover {
  border-color: var(--gold-border);
  transform: translateY(-4px);
  box-shadow: 0 10px 32px rgba(28,26,20,0.08);
}
.city-card h3 { font-size: 1.5rem; font-weight: 500; color: var(--ink); margin-bottom: 0.3rem; }
.city-card p { font-size: 0.8rem; color: var(--ink-muted); }
.city-arrow { color: var(--gold); font-size: 1rem; margin-top: 0.875rem; display: block; }

/* ── MODAL ──────────────────────────────────────────────────── */
.modal-overlay {
  position: fixed; inset: 0; z-index: 200;
  background: rgba(8,15,24,0.78);
  display: flex; align-items: center; justify-content: center;
  padding: 1.5rem;
  opacity: 0; visibility: hidden;
  transition: opacity 0.3s, visibility 0.3s;
}
.modal-overlay.open { opacity: 1; visibility: visible; }
.modal {
  background: var(--white); border-radius: 18px;
  max-width: 600px; width: 100%;
  max-height: 90vh; overflow-y: auto;
  transform: translateY(18px) scale(0.98);
  transition: transform 0.3s cubic-bezier(0.16,1,0.3,1);
  position: relative;
}
.modal-overlay.open .modal { transform: translateY(0) scale(1); }
.modal-header {
  background: var(--navy); padding: 2rem 2rem 1.75rem;
  border-radius: 18px 18px 0 0;
  position: relative;
}
.modal-close {
  position: absolute; top: 1.125rem; right: 1.25rem;
  font-size: 1.375rem; color: rgba(255,255,255,0.45);
  transition: color 0.2s; line-height: 1;
}
.modal-close:hover { color: var(--white); }
.modal-body { padding: 2rem; }
.modal-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 1.25rem; margin-top: 1.5rem; }
.modal-stat { background: var(--cream); border-radius: 10px; padding: 1rem; text-align: center; }
.modal-stat-num { font-family: 'Cormorant Garamond', serif; font-size: 2rem; font-weight: 400; color: var(--navy); }
.modal-stat-lbl { font-size: 0.75rem; color: var(--ink-muted); margin-top: 0.2rem; }

/* ── FORMS ──────────────────────────────────────────────────── */
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.form-group { margin-bottom: 1.125rem; }
.form-label {
  display: block; font-size: 0.8125rem; font-weight: 500;
  color: var(--ink-mid); margin-bottom: 0.4rem;
}
.form-input, .form-select, .form-textarea {
  width: 100%; padding: 0.75rem 1rem;
  border: 1px solid var(--cream-border);
  border-radius: 8px; font-size: 0.9375rem;
  color: var(--ink); background: var(--white);
  outline: none; transition: border-color 0.2s, box-shadow 0.2s;
}
.form-input:focus, .form-select:focus, .form-textarea:focus {
  border-color: var(--gold);
  box-shadow: 0 0 0 3px rgba(200,168,75,0.14);
}
.form-textarea { resize: vertical; min-height: 110px; }
.form-input::placeholder { color: var(--ink-faint); }

/* dark form variant */
.form-dark .form-input,
.form-dark .form-select,
.form-dark .form-textarea {
  background: var(--navy-light);
  border-color: var(--navy-border);
  color: var(--white);
}
.form-dark .form-input::placeholder { color: rgba(255,255,255,0.35); }
.form-dark .form-label { color: rgba(255,255,255,0.65); }
.form-dark .form-input:focus,
.form-dark .form-select:focus,
.form-dark .form-textarea:focus {
  border-color: var(--gold-dim);
  box-shadow: 0 0 0 3px rgba(200,168,75,0.1);
}

/* ── INTAKE WIDGET ──────────────────────────────────────────── */
.intake-card {
  background: var(--navy-mid);
  border: 1px solid var(--gold-border);
  border-radius: 18px; padding: 2.5rem;
  max-width: 600px; margin: 0 auto;
}
.intake-head h2 { font-size: clamp(1.6rem, 2.5vw, 2.1rem); color: var(--white); margin-bottom: 0.5rem; }
.intake-head p { font-size: 0.9rem; color: rgba(255,255,255,0.55); font-weight: 300; }
.intake-progress {
  display: flex; gap: 6px; margin: 1.875rem 0;
}
.intake-pip {
  flex: 1; height: 3px; background: var(--navy-border);
  border-radius: 2px; transition: background 0.3s;
}
.intake-pip.done { background: var(--gold); }
.intake-pip.active { background: var(--gold-light); }
.intake-step { display: none; }
.intake-step.active { display: block; }
.intake-q { font-family: 'Cormorant Garamond', serif; font-size: 1.375rem; font-weight: 400; color: var(--white); margin-bottom: 1.25rem; }
.intake-opts { display: flex; flex-direction: column; gap: 0.625rem; }
.intake-opt {
  background: var(--navy-light); border: 1px solid var(--navy-border);
  border-radius: 10px; padding: 0.875rem 1.125rem;
  font-size: 0.9rem; color: rgba(255,255,255,0.72);
  cursor: pointer; display: flex; align-items: center; gap: 0.875rem;
  transition: all 0.2s;
}
.intake-opt:hover { border-color: var(--gold-border); color: var(--white); }
.intake-opt.selected {
  border-color: var(--gold); color: var(--gold-light);
  background: var(--gold-faint);
}
.intake-opt-icon {
  width: 18px; height: 18px; border-radius: 50%;
  border: 1.5px solid rgba(255,255,255,0.25); flex-shrink: 0;
  transition: all 0.2s;
}
.intake-opt.selected .intake-opt-icon {
  background: var(--gold); border-color: var(--gold);
}
.intake-nav { display: flex; gap: 0.75rem; margin-top: 1.5rem; }
.intake-final { display: none; }
.intake-final.active { display: block; }
.intake-final h3 { color: var(--white); margin-bottom: 0.5rem; }
.intake-final p { font-size: 0.9rem; color: rgba(255,255,255,0.6); font-weight: 300; margin-bottom: 1.5rem; }

/* ── STEP CARDS ─────────────────────────────────────────────── */
.step-item {
  display: flex; gap: 2rem;
  padding: 1.875rem 0;
  border-bottom: 1px solid var(--cream-border);
}
.step-item:last-child { border-bottom: none; }
.step-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: 3rem; font-weight: 300;
  color: var(--gold); opacity: 0.45; line-height: 1;
  flex-shrink: 0; width: 55px;
}
.step-item h3 { font-size: 1.375rem; font-weight: 500; color: var(--ink); margin-bottom: 0.5rem; }
.step-item p { font-size: 0.9rem; color: var(--ink-muted); line-height: 1.75; }

/* dark step cards */
.dark-text .step-item { border-bottom-color: var(--navy-border); }
.dark-text .step-item h3 { color: var(--white); }
.dark-text .step-item p { color: rgba(255,255,255,0.6); }

/* ── TIMELINE ───────────────────────────────────────────────── */
.timeline { position: relative; padding-left: 2.5rem; }
.timeline::before {
  content: '';
  position: absolute; left: 7px; top: 8px; bottom: 8px;
  width: 1px; background: var(--gold-border);
}
.tl-row { position: relative; margin-bottom: 2.5rem; }
.tl-dot {
  position: absolute; left: -2.5rem; top: 4px;
  width: 14px; height: 14px; border-radius: 50%;
  background: var(--gold); border: 2px solid var(--navy);
  box-shadow: 0 0 0 3px var(--gold-border);
}
.tl-year {
  font-size: 0.6875rem; font-weight: 600;
  letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 0.35rem;
}
.tl-row h3 { font-size: 1.25rem; margin-bottom: 0.35rem; }
.tl-row p { font-size: 0.875rem; color: var(--ink-muted); line-height: 1.7; }

/* ── FAQ ACCORDION ──────────────────────────────────────────── */
.accordion-item { border-bottom: 1px solid var(--cream-border); }
.accordion-trigger {
  width: 100%; display: flex; align-items: center;
  justify-content: space-between;
  padding: 1.25rem 0;
  font-size: 0.9375rem; font-weight: 500; color: var(--ink);
  text-align: left; background: none; border: none; cursor: pointer;
  gap: 1rem;
}
.accordion-icon {
  font-size: 1.25rem; color: var(--gold);
  transition: transform 0.3s; flex-shrink: 0;
}
.accordion-item.open .accordion-icon { transform: rotate(45deg); }
.accordion-content { overflow: hidden; max-height: 0; transition: max-height 0.35s ease; }
.accordion-content.open { max-height: 400px; }
.accordion-body { padding-bottom: 1.25rem; font-size: 0.9rem; color: var(--ink-muted); line-height: 1.8; }

/* dark accordion */
.dark-text .accordion-item { border-bottom-color: var(--navy-border); }
.dark-text .accordion-trigger { color: rgba(255,255,255,0.8); }
.dark-text .accordion-body { color: rgba(255,255,255,0.55); }

/* ── CALCULATOR ─────────────────────────────────────────────── */
.calc-wrap {
  background: var(--white);
  border: 1px solid var(--cream-border);
  border-radius: 18px; padding: 2.5rem;
  box-shadow: 0 6px 40px rgba(28,26,20,0.07);
}
.calc-output {
  background: var(--navy); border-radius: 12px;
  padding: 2rem; text-align: center; margin-top: 1.625rem;
}
.calc-payment {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.75rem,5vw,3.75rem);
  font-weight: 400; color: var(--gold-light); line-height: 1;
}
.calc-label { font-size: 0.8125rem; color: rgba(255,255,255,0.45); margin-top: 0.4rem; }
.calc-disclaimer { font-size: 0.75rem; color: rgba(255,255,255,0.3); margin-top: 0.75rem; }
.range-group { margin-bottom: 1.25rem; }
.range-top { display: flex; justify-content: space-between; margin-bottom: 0.5rem; }
.range-val { font-size: 0.875rem; font-weight: 500; color: var(--ink); }
input[type=range] {
  width: 100%; -webkit-appearance: none; appearance: none;
  height: 3px; background: var(--cream-border); border-radius: 2px; outline: none;
}
input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 18px; height: 18px;
  background: var(--gold); border-radius: 50%; cursor: pointer;
  box-shadow: 0 2px 8px rgba(200,168,75,0.4);
}

/* ── BLOG CARDS ─────────────────────────────────────────────── */
.blog-card {
  background: var(--white); border: 1px solid var(--cream-border);
  border-radius: 14px; overflow: hidden;
  transition: border-color 0.3s, transform 0.3s, box-shadow 0.3s;
}
.blog-card:hover {
  border-color: var(--gold-border);
  transform: translateY(-4px);
  box-shadow: 0 10px 36px rgba(28,26,20,0.08);
}
.blog-img {
  aspect-ratio: 16/9; overflow: hidden;
  background: var(--navy);
}
.blog-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 0.45s; }
.blog-card:hover .blog-img img { transform: scale(1.04); }
.blog-body { padding: 1.625rem; }
.blog-tag {
  font-size: 0.625rem; font-weight: 700;
  letter-spacing: 0.15em; text-transform: uppercase;
  color: var(--teal); background: var(--teal-light);
  padding: 0.25rem 0.625rem; border-radius: 2rem;
  display: inline-block; margin-bottom: 0.75rem;
}
.blog-card h3 { font-size: 1.25rem; margin-bottom: 0.5rem; color: var(--ink); line-height: 1.3; }
.blog-card p { font-size: 0.875rem; color: var(--ink-muted); line-height: 1.65; }
.blog-meta { font-size: 0.75rem; color: var(--ink-faint); margin-top: 1rem; }

/* ── PAGE HERO (inner pages) ────────────────────────────────── */
.page-hero {
  background: var(--navy);
  padding: clamp(9rem,14vw,11.5rem) 0 clamp(3.5rem,6vw,5rem);
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: '';
  position: absolute; inset: 0;
  background: radial-gradient(ellipse at 15% 80%, rgba(200,168,75,0.05) 0%, transparent 50%);
}
.page-hero .wrap { position: relative; z-index: 2; }
.page-hero .eyebrow { color: var(--gold); }
.page-hero h1 { color: var(--white); margin-top: 0.5rem; }
.page-hero h1 em { color: var(--gold-light); }
.page-hero p { font-size: 1.0625rem; font-weight: 300; color: rgba(255,255,255,0.6); max-width: 560px; margin-top: 1.125rem; }

/* calhfa hero variant */
.calhfa-hero {
  background: linear-gradient(135deg, var(--navy) 0%, #0a3d2e 100%);
}
.calhfa-hero .page-hero-bg-num {
  position: absolute; right: -2rem; bottom: -3rem;
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(12rem, 20vw, 18rem);
  font-weight: 300; color: rgba(200,168,75,0.05);
  line-height: 1; user-select: none; pointer-events: none;
}

/* ── ALERT BANNERS ──────────────────────────────────────────── */
.alert {
  border-radius: 10px; padding: 1rem 1.375rem;
  display: flex; gap: 0.875rem; align-items: flex-start;
  margin-bottom: 1.5rem;
}
.alert-gold { background: var(--gold-faint); border-left: 3px solid var(--gold); }
.alert-teal { background: var(--teal-light); border-left: 3px solid var(--teal); }
.alert-red { background: #fef0ef; border-left: 3px solid #c0392b; }
.alert-icon { font-size: 1rem; flex-shrink: 0; margin-top: 0.1rem; }
.alert p { font-size: 0.875rem; line-height: 1.65; }

/* ── ICON LIST ──────────────────────────────────────────────── */
.check-list { list-style: none; display: flex; flex-direction: column; gap: 0.75rem; }
.check-list li {
  display: flex; align-items: flex-start; gap: 0.75rem;
  font-size: 0.9375rem; line-height: 1.6;
}
.check-list li::before {
  content: '✓'; color: var(--gold); font-weight: 600;
  flex-shrink: 0; margin-top: 0.1rem;
}

/* ── PROCESS TIMELINE (speed close) ────────────────────────── */
.process-row {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 0; position: relative;
  margin: 2.5rem 0;
}
.process-row::before {
  content: '';
  position: absolute; top: 22px; left: 8%; right: 8%;
  height: 1px; background: var(--gold-border);
}
.process-col { text-align: center; position: relative; padding-top: 0.5rem; }
.process-dot {
  width: 44px; height: 44px; border-radius: 50%;
  background: var(--navy-mid); border: 1.5px solid var(--gold-border);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 0.875rem;
  font-family: 'Cormorant Garamond', serif; font-size: 1.1rem; color: var(--gold);
  position: relative; z-index: 2;
}
.process-day { font-size: 0.6875rem; font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--gold); margin-bottom: 0.25rem; }
.process-label { font-size: 0.8rem; color: rgba(255,255,255,0.6); line-height: 1.4; }

/* ── FOOTER ─────────────────────────────────────────────────── */
.footer {
  background: var(--navy);
  border-top: 1px solid var(--gold-border);
  padding: 4.5rem 0 2rem;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 3rem; margin-bottom: 3.5rem;
}
.footer-brand .footer-logo img { height: 38px; margin-bottom: 1.25rem; }
.footer-tagline {
  font-family: 'Cormorant Garamond', serif;
  font-size: 1.05rem; font-style: italic;
  color: rgba(255,255,255,0.42); margin-bottom: 1.25rem;
}
.footer-contact { font-size: 0.8125rem; color: rgba(255,255,255,0.45); line-height: 2; }
.footer-contact a { color: rgba(255,255,255,0.55); transition: color 0.2s; }
.footer-contact a:hover { color: var(--gold-light); }
.footer-col-title {
  font-size: 0.6875rem; font-weight: 700;
  letter-spacing: 0.18em; text-transform: uppercase;
  color: var(--gold); margin-bottom: 1.25rem;
}
.footer-links { display: flex; flex-direction: column; gap: 0.55rem; }
.footer-link { font-size: 0.8125rem; color: rgba(255,255,255,0.5); transition: color 0.2s; }
.footer-link:hover { color: var(--gold-light); }
.footer-bottom { border-top: 1px solid var(--navy-border); padding-top: 1.875rem; }
.footer-nmls { font-size: 0.6875rem; color: rgba(255,255,255,0.28); line-height: 1.85; max-width: 860px; }
.footer-copy { font-size: 0.6875rem; color: rgba(255,255,255,0.22); margin-top: 0.625rem; }

/* ── SCROLL REVEAL ──────────────────────────────────────────── */
.reveal {
  opacity: 0; transform: translateY(22px);
  transition: opacity 0.72s cubic-bezier(0.16,1,0.3,1),
              transform 0.72s cubic-bezier(0.16,1,0.3,1);
}
.reveal.visible { opacity: 1; transform: translateY(0); }
.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }
.reveal-delay-6 { transition-delay: 0.6s; }

/* ── STAT STRIP ─────────────────────────────────────────────── */
.stat-strip { display: flex; gap: 0; flex-wrap: wrap; }
.stat-item {
  flex: 1; text-align: center;
  padding: 2rem 1.5rem;
  border-right: 1px solid var(--navy-border);
  min-width: 150px;
}
.stat-item:last-child { border-right: none; }
.stat-num {
  font-family: 'Cormorant Garamond', serif;
  font-size: clamp(2.5rem, 4vw, 3.5rem); font-weight: 400;
  color: var(--gold-light); line-height: 1;
}
.stat-lbl { font-size: 0.8125rem; color: rgba(255,255,255,0.5); margin-top: 0.4rem; font-weight: 300; }

/* ── INFO CARD ──────────────────────────────────────────────── */
.info-card {
  background: var(--white); border: 1px solid var(--cream-border);
  border-radius: 12px; padding: 1.75rem;
}
.info-card h3 { font-size: 1.25rem; color: var(--ink); margin-bottom: 0.625rem; }
.info-card p { font-size: 0.875rem; color: var(--ink-muted); line-height: 1.75; }

/* ── RESPONSIVE ─────────────────────────────────────────────── */
@media (max-width: 1024px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 2rem; }
  .process-row { grid-template-columns: repeat(3, 1fr); row-gap: 1.5rem; }
  .process-row::before { display: none; }
}

@media (max-width: 768px) {
  .hero { grid-template-columns: 1fr; min-height: auto; }
  .hero-content { padding: 7.5rem 1.5rem 3rem; }
  .hero-img-panel { height: 100vw; order: -1; }
  .hero-img-panel::after { background: linear-gradient(to bottom, var(--navy), transparent 40%); }
  .hero-content { background-image: none; }

  .about-split { grid-template-columns: 1fr; gap: 2.5rem; }
  .about-photo-wrap::after { display: none; }
  .path-split { grid-template-columns: 1fr; gap: 2.5rem; }

  .grid-2 { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr; }
  .urgency-inner { flex-direction: column; text-align: center; }
  .urgency-band p { margin: 0 auto; }

  .nav-links, .nav-cta, .nav-phone { display: none; }
  .nav-hamburger { display: flex; }
  .nav-logo img { height: 104px; }

  .proof-bar-inner { justify-content: flex-start; overflow-x: auto; flex-wrap: nowrap; }
  .proof-item { flex-shrink: 0; }

  .footer-grid { grid-template-columns: 1fr; gap: 2rem; }
  .form-row { grid-template-columns: 1fr; }
  .modal-grid { grid-template-columns: 1fr; }
  .process-row { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 480px) {
  .hero-ctas { flex-direction: column; }
  .hero-ctas .btn { justify-content: center; }
  .grid-4 { grid-template-columns: 1fr; }
  .intake-card { padding: 1.5rem; }
  .stat-strip { flex-direction: column; }
  .stat-item { border-right: none; border-bottom: 1px solid var(--navy-border); }
  .process-row { grid-template-columns: 1fr 1fr; }
}