/* Perksis design system. Approved palette and type: Manrope headings, Inter body.
   Fonts are self-hosted under /assets/fonts with their OFL license notices. */

@font-face { font-family: "Manrope"; src: url("/assets/fonts/manrope-latin.woff2") format("woff2"); font-weight: 200 800; font-display: swap; unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+2000-206F, U+2074, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: "Inter"; src: url("/assets/fonts/inter-latin.woff2") format("woff2"); font-weight: 100 900; font-display: swap; unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+2000-206F, U+2074, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD; }
@font-face { font-family: "Manrope Fallback"; src: local("Arial"); size-adjust: 104%; ascent-override: 92%; descent-override: 26%; }
@font-face { font-family: "Inter Fallback"; src: local("Arial"); size-adjust: 107%; ascent-override: 90%; descent-override: 22%; }

:root {
  /* primitives */
  --navy: #053060; --blue: #1176CA; --blue-bright: #1D95E2; --blue-dark: #135A9F;
  --cta: #7CC87E; --cta-hover: #60BC63; --green-dark: #307B32;
  --white: #FFFFFF; --surface: #F5F9FC; --border: #E6EAED; --body: #4A6480; --muted: #899AAC;
  /* semantic */
  --bg: var(--white); --text: var(--navy); --text-body: var(--body); --text-muted: var(--muted);
  --link: var(--blue-dark); --link-hover: var(--navy); --accent: var(--blue);
  --ring: var(--blue-bright);
  --font-head: "Manrope", "Manrope Fallback", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-body: "Inter", "Inter Fallback", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --r-ctrl: 12px; --r-panel: 22px; --r-card: 18px;
  --shadow-1: 0 1px 2px rgba(5,48,96,.06), 0 6px 20px rgba(5,48,96,.08);
  --shadow-2: 0 2px 6px rgba(5,48,96,.08), 0 18px 44px rgba(5,48,96,.14);
  --wrap: 1240px; --gutter: clamp(1rem, 4vw, 2rem);
  --sec-y: clamp(4rem, 8vw, 7rem);
  --ease: cubic-bezier(.2,.7,.2,1); --t-fast: 180ms; --t-mid: 240ms;
  --bar-h: 72px;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body { margin: 0; background: var(--bg); color: var(--text-body); font-family: var(--font-body); font-size: clamp(1.0625rem, 1.03rem + .15vw, 1.125rem); line-height: 1.65; -webkit-font-smoothing: antialiased; }
img, picture, svg, video { display: block; max-width: 100%; }
img { height: auto; }
::selection { background: rgba(29,149,226,.25); color: var(--navy); }
:focus-visible { outline: 3px solid var(--ring); outline-offset: 3px; border-radius: 6px; }
a { color: var(--link); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: .16em; transition: color var(--t-fast) var(--ease); }
a:hover { color: var(--link-hover); }
[id] { scroll-margin-top: 100px; }
.skip { position: absolute; left: 1rem; top: -100px; background: var(--navy); color: #fff; padding: .6rem 1rem; border-radius: var(--r-ctrl); z-index: 100; }
.skip:focus { top: 1rem; }
.vh { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ---------- type ---------- */
h1, h2, h3, h4 { font-family: var(--font-head); color: var(--navy); margin: 0 0 .5em; text-wrap: balance; }
h1 { font-weight: 800; font-size: clamp(2.4rem, 1.6rem + 3.4vw, 4.6rem); line-height: 1.06; letter-spacing: -.025em; }
h2 { font-weight: 800; font-size: clamp(1.75rem, 1.2rem + 2.2vw, 3rem); line-height: 1.1; letter-spacing: -.02em; }
h3 { font-weight: 700; font-size: clamp(1.25rem, 1.1rem + .7vw, 1.6rem); line-height: 1.25; letter-spacing: -.01em; }
h4 { font-weight: 700; font-size: 1.1rem; line-height: 1.3; }
p { margin: 0 0 1em; }
.lead { font-size: clamp(1.125rem, 1.05rem + .35vw, 1.3rem); line-height: 1.6; }
.measure { max-width: 62ch; }
.em-blue { color: var(--blue); } .em-green { color: var(--green-dark); }
.on-navy .em-blue { color: #6CC0F5; } .on-navy .em-green { color: #9FDDA0; }
.num { font-variant-numeric: tabular-nums; }
.small { font-size: .9rem; } .tiny { font-size: .82rem; }
.mute { color: var(--text-muted); }

/* ---------- layout ---------- */
.wrap { width: min(var(--wrap), 100% - 2 * var(--gutter)); margin-inline: auto; }
.sec { padding-block: var(--sec-y); background: var(--white); }
.sec--pale { background: var(--surface); }
.sec--navy { background: var(--navy); background-image: radial-gradient(120% 80% at 100% 0%, rgba(29,149,226,.22), transparent 60%), radial-gradient(80% 60% at 0% 100%, rgba(17,118,202,.18), transparent 60%); color: #C9D8E8; }
.sec--navy h1, .sec--navy h2, .sec--navy h3, .sec--navy h4 { color: #fff; }
.sec--navy p { color: #C9D8E8; }
.sec--navy a { color: #fff; }
.sec-head { max-width: 46rem; margin-bottom: clamp(2rem, 4vw, 3.5rem); }
.sec-head--center { margin-inline: auto; text-align: center; }
.split { display: grid; gap: clamp(2rem, 5vw, 5rem); align-items: center; }
@media (min-width: 900px) { .split { grid-template-columns: 1.05fr 1fr; } .split--rev > :first-child { order: 2; } }
.grid { display: grid; gap: 1.25rem; }
@media (min-width: 640px) { .grid--2 { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 900px) { .grid--3 { grid-template-columns: repeat(3, 1fr); } .grid--4 { grid-template-columns: repeat(4, 1fr); } }
@media (min-width: 640px) and (max-width: 899px) { .grid--3, .grid--4 { grid-template-columns: repeat(2, 1fr); } }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .55rem; min-height: 52px; padding: .8rem 1.6rem; border-radius: var(--r-ctrl); font-family: var(--font-body); font-weight: 600; font-size: 1rem; line-height: 1.2; text-decoration: none; border: 1.5px solid transparent; cursor: pointer; white-space: nowrap; text-align: center; transition: background-color var(--t-fast) var(--ease), color var(--t-fast) var(--ease), border-color var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease), transform var(--t-fast) var(--ease); }
.btn svg { width: 20px; height: 20px; flex: none; transition: transform var(--t-fast) var(--ease); }
.btn:hover svg.arrow { transform: translateX(3px); }
.btn:active { transform: translateY(1px); }
.btn--primary { background: var(--blue); color: #fff; box-shadow: inset 0 1px 0 rgba(255,255,255,.18), 0 1px 2px rgba(5,48,96,.16), 0 6px 16px rgba(17,118,202,.28); }
.btn--primary:hover { background: var(--blue-dark); color: #fff; box-shadow: inset 0 1px 0 rgba(255,255,255,.14), 0 2px 4px rgba(5,48,96,.18), 0 8px 20px rgba(17,118,202,.32); }
.btn--ghost { background: #fff; color: var(--navy); border-color: rgba(5,48,96,.28); }
.btn--ghost:hover { border-color: var(--navy); color: var(--navy); background: var(--surface); }
.on-navy .btn--ghost, .sec--navy .btn--ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.5); }
.on-navy .btn--ghost:hover, .sec--navy .btn--ghost:hover { background: rgba(255,255,255,.1); border-color: #fff; color: #fff; }
.btn--sm { min-height: 44px; padding: .55rem 1.1rem; font-size: .95rem; }
.btn--block { width: 100%; }
.btn[disabled], .btn[aria-disabled="true"] { background: var(--border); color: var(--body); box-shadow: none; cursor: not-allowed; }
.link-arrow { display: inline-flex; align-items: center; gap: .4rem; font-weight: 600; color: var(--link); text-decoration: none; }
.link-arrow svg { width: 18px; height: 18px; transition: transform var(--t-fast) var(--ease); }
.link-arrow:hover svg { transform: translateX(3px); }
.link-arrow:hover { color: var(--navy); text-decoration: underline; }
.sec--navy .link-arrow { color: #fff; }
.phone-link { display: inline-flex; align-items: center; gap: .5rem; font-weight: 600; color: var(--navy); text-decoration: none; font-variant-numeric: tabular-nums; }
.phone-link svg { width: 20px; height: 20px; }
.phone-link:hover { color: var(--blue-dark); text-decoration: underline; }
.sec--navy .phone-link { color: #fff; }
.cta-row { display: flex; flex-wrap: wrap; gap: .75rem 1rem; align-items: center; margin-top: 1.5rem; }
.reassure { display: flex; gap: .5rem; align-items: flex-start; margin-top: 1rem; font-size: .92rem; color: var(--body); }
.reassure svg { width: 18px; height: 18px; flex: none; color: var(--green-dark); margin-top: .15rem; }
.sec--navy .reassure { color: #C9D8E8; } .sec--navy .reassure svg { color: #9FDDA0; }

/* ---------- header ---------- */
.hdr { position: sticky; top: 0; z-index: 50; background: #fff; border-bottom: 1px solid transparent; transition: border-color var(--t-mid) var(--ease), box-shadow var(--t-mid) var(--ease); }
.hdr[data-stuck] { border-bottom-color: var(--border); box-shadow: 0 4px 20px rgba(5,48,96,.06); }
.hdr .wrap { display: flex; align-items: center; justify-content: space-between; gap: 1rem; min-height: 88px; }
.brand { display: inline-flex; align-items: center; text-decoration: none; flex: none; }
.brand img { width: 299px; height: 34px; object-fit: contain; object-position: left center; }
@media (max-width: 1079px) { .brand img { width: 260px; height: 30px; } }
@media (max-width: 380px) { .brand img { width: 221px; height: 25px; } }
.nav { display: none; align-items: center; gap: .25rem; }
.nav > a, .nav > .dd > button { display: inline-flex; align-items: center; gap: .3rem; min-height: 44px; padding: .5rem .6rem; border-radius: 10px; font: 500 .98rem/1 var(--font-body); color: var(--navy); text-decoration: none; background: none; border: 0; cursor: pointer; transition: background-color var(--t-fast) var(--ease); }
.nav > a:hover, .nav > .dd > button:hover, .nav > .dd > button[aria-expanded="true"] { background: var(--surface); }
.nav > a[aria-current="page"] { color: var(--blue-dark); }
.dd { position: relative; }
.dd > button svg { width: 16px; height: 16px; transition: transform var(--t-fast) var(--ease); }
.dd > button[aria-expanded="true"] svg { transform: rotate(180deg); }
.dd-menu { position: absolute; top: calc(100% + 8px); left: 0; min-width: 290px; background: #fff; border: 1px solid var(--border); border-radius: 16px; box-shadow: var(--shadow-2); padding: .5rem; margin: 0; list-style: none; display: none; }
.dd-menu[data-open] { display: block; animation: dd-in 160ms var(--ease) both; }
@keyframes dd-in { from { opacity: 0; transform: translateY(-4px); } to { opacity: 1; transform: none; } }
.dd-menu a { display: block; padding: .7rem .85rem; border-radius: 10px; text-decoration: none; color: var(--navy); font-weight: 600; font-size: .95rem; }
.dd-menu a span { display: block; font-weight: 400; font-size: .85rem; color: var(--body); margin-top: .1rem; }
.dd-menu a:hover, .dd-menu a:focus-visible { background: var(--surface); }
.hdr-actions { display: flex; align-items: center; gap: .75rem; }
.hdr-actions .phone-link { display: none; }
.hdr-actions .btn { display: none; }
.burger { display: inline-flex; align-items: center; justify-content: center; width: 48px; height: 48px; border-radius: 12px; border: 1.5px solid var(--border); background: #fff; color: var(--navy); cursor: pointer; }
.burger svg { width: 22px; height: 22px; }
@media (min-width: 1080px) {
  .nav { display: flex; }
  .hdr-actions .btn { display: inline-flex; }
  .burger { display: none; }
}
.hdr-phone { min-height: 40px; padding: 0 .9rem; border: 1.5px solid var(--border); border-radius: 10px; background: #fff; font-size: .9rem; font-weight: 600; color: var(--navy); box-shadow: 0 1px 2px rgba(5,48,96,.06); transition: border-color var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease), transform var(--t-fast) var(--ease); }
.hdr-phone svg { width: 17px; height: 17px; color: var(--blue); }
.hdr-phone:hover, .hdr-phone:focus-visible { text-decoration: none; border-color: var(--blue); box-shadow: 0 2px 8px rgba(17,118,202,.15); transform: translateY(-1px); }
@media (min-width: 1280px) { .hdr-actions .hdr-phone { display: inline-flex; } }

/* drawer */
.drawer { position: fixed; inset: 0; z-index: 60; display: none; }
.drawer[data-open] { display: block; }
.drawer[data-open] .drawer-bg { animation: fade-in 200ms var(--ease) both; }
.drawer[data-open] .drawer-panel { animation: slide-in-right 260ms var(--ease) both; }
@keyframes fade-in { from { opacity: 0; } to { opacity: 1; } }
@keyframes slide-in-right { from { transform: translateX(24px); opacity: 0; } to { transform: none; opacity: 1; } }
.drawer-bg { position: absolute; inset: 0; background: rgba(5,48,96,.5); }
.drawer-panel { position: absolute; top: 0; right: 0; bottom: 0; width: min(420px, 92vw); background: #fff; display: flex; flex-direction: column; padding: 1rem var(--gutter) calc(1rem + env(safe-area-inset-bottom)); overflow-y: auto; box-shadow: var(--shadow-2); }
.drawer-top { display: flex; justify-content: space-between; align-items: center; min-height: 64px; }
.drawer-nav { display: flex; flex-direction: column; margin-top: .5rem; }
.drawer-nav a, .drawer-nav .drawer-group > span { display: flex; align-items: center; min-height: 52px; padding: .5rem .25rem; border-bottom: 1px solid var(--border); color: var(--navy); font: 600 1.05rem/1.3 var(--font-body); text-decoration: none; }
.drawer-group > span { color: var(--body); font-size: .8rem; text-transform: uppercase; letter-spacing: .06em; font-weight: 600; min-height: 40px; border: 0; margin-top: .5rem; }
.drawer-group a { padding-left: .75rem; font-weight: 500; }
.drawer-foot { margin-top: auto; padding-top: 1.25rem; display: grid; gap: .75rem; }

/* mobile bottom bar */
.mbar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; display: grid; grid-template-columns: 1fr; gap: .6rem; padding: .6rem var(--gutter) calc(.6rem + env(safe-area-inset-bottom)); background: rgba(255,255,255,.96); backdrop-filter: blur(10px); border-top: 1px solid var(--border); transition: transform var(--t-mid) var(--ease); }
.mbar .btn { min-height: 48px; padding-inline: .8rem; font-size: .95rem; }
body.typing .mbar { transform: translateY(110%); }
body { padding-bottom: calc(var(--bar-h) + env(safe-area-inset-bottom)); }
@media (min-width: 1080px) { .mbar { display: none; } body { padding-bottom: 0; } }

/* ---------- hero ---------- */
.hero { padding-block: clamp(2.5rem, 6vw, 5.5rem) clamp(3rem, 7vw, 6rem); background: #fff; }
.hero .split { align-items: center; }
@media (min-width: 900px) { .hero .split { grid-template-columns: 1fr 1.05fr; } }
.hero h1 { margin-bottom: .6em; }
.hero .lead { color: var(--body); max-width: 34rem; }
.hero-media { position: relative; }
.hero-media .panel { border-radius: var(--r-panel); overflow: hidden; box-shadow: var(--shadow-2); aspect-ratio: 16 / 10; background: var(--surface); }
.hero-media .panel img { width: 100%; height: 100%; object-fit: cover; }
@media (max-width: 899px) { .hero-media .panel { aspect-ratio: 4 / 3; } }
.goal-card { position: relative; margin: -2.5rem var(--gutter) 0; background: #fff; border-radius: var(--r-card); box-shadow: var(--shadow-2); padding: 1.1rem 1.1rem 1.2rem; border: 1px solid var(--border); }
@media (min-width: 900px) { .goal-card { position: absolute; left: -2.5rem; bottom: 2rem; width: 300px; margin: 0; } }
.goal-card h2 { font-size: 1.05rem; margin-bottom: .75rem; }
.goal-card .opts { display: grid; gap: .5rem; }
.goal-card a { display: flex; align-items: center; gap: .6rem; min-height: 46px; padding: .5rem .75rem; border: 1.5px solid var(--border); border-radius: 12px; text-decoration: none; color: var(--navy); font-weight: 600; font-size: .95rem; transition: border-color var(--t-fast) var(--ease), background-color var(--t-fast) var(--ease), transform var(--t-fast) var(--ease); }
.goal-card a svg { width: 20px; height: 20px; color: var(--blue); flex: none; }
.goal-card a:hover { border-color: var(--blue); background: var(--surface); transform: translateY(-1px); }
.goal-card a svg.arrow { margin-left: auto; color: var(--muted); }

/* ---------- media panels ---------- */
.panel-img { border-radius: var(--r-panel); overflow: hidden; box-shadow: var(--shadow-1); background: var(--surface); aspect-ratio: 3 / 2; }
.panel-img img { width: 100%; height: 100%; object-fit: cover; transition: transform 600ms var(--ease); }
@media (hover: hover) and (pointer: fine) { .panel-img:hover img { transform: scale(1.04); } }

/* ---------- option / feature cards ---------- */
.card { background: #fff; border: 1px solid var(--border); border-radius: var(--r-card); padding: 1.5rem; box-shadow: 0 1px 2px rgba(5,48,96,.04); transition: transform var(--t-mid) var(--ease), box-shadow var(--t-mid) var(--ease), border-color var(--t-mid) var(--ease); }
a.card { display: block; text-decoration: none; color: inherit; }
a.card:hover { transform: translateY(-3px); box-shadow: var(--shadow-1); border-color: rgba(17,118,202,.35); }
.card h3 { margin-bottom: .4rem; }
.card p { margin: 0; color: var(--body); } .card a, .ftr a, .prose a { overflow-wrap: anywhere; }
.card .ico { width: 44px; height: 44px; border-radius: 12px; background: var(--surface); color: var(--blue); display: grid; place-items: center; margin-bottom: 1rem; }
.card .ico svg { width: 24px; height: 24px; }
.card .link-arrow { margin-top: 1rem; }
.sec--pale .card { border-color: transparent; box-shadow: var(--shadow-1); }
.sec--pale .card .ico { background: #fff; }
.check-list { list-style: none; padding: 0; margin: 1.25rem 0; display: grid; gap: .75rem; }
.check-list li { display: flex; gap: .7rem; align-items: flex-start; }
.check-list svg { width: 22px; height: 22px; flex: none; color: var(--green-dark); margin-top: .15rem; }
.sec--navy .check-list svg { color: #9FDDA0; }
.check-list strong { color: var(--navy); }
.sec--navy .check-list strong { color: #fff; }
.two-col { display: grid; gap: 1.25rem; }
@media (min-width: 760px) { .two-col { grid-template-columns: 1fr 1fr; } }
.contrast { display: grid; gap: 1.25rem; }
@media (min-width: 900px) { .contrast { grid-template-columns: 1fr 1fr; } }
.contrast .card h3 { display: flex; align-items: center; gap: .5rem; }
.contrast .card h3 svg { width: 22px; height: 22px; }
.contrast ul { margin: .75rem 0 0; padding-left: 1.2rem; }
.contrast li { margin-bottom: .4rem; }

/* ---------- process timeline ---------- */
.steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 1.5rem; counter-reset: step; position: relative; }
@media (min-width: 900px) { .steps { grid-template-columns: repeat(4, 1fr); gap: 1.25rem; } }
.step { position: relative; padding: 1.4rem 1.3rem 1.5rem; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: var(--r-card); }
.step-n { display: inline-grid; place-items: center; width: 44px; height: 44px; border-radius: 50%; background: var(--cta); color: var(--navy); font: 800 1.1rem/1 var(--font-head); margin-bottom: 1rem; position: relative; z-index: 1; }
.step h3 { color: #fff; margin-bottom: .4rem; }
.step p { margin: 0; font-size: .97rem; }
@media (min-width: 900px) { .step:not(:last-child)::after { content: ""; position: absolute; top: calc(1.4rem + 22px); left: calc(1.3rem + 44px); right: -1.25rem; height: 2px; background: linear-gradient(90deg, rgba(124,200,126,.8), rgba(124,200,126,.15)); transform-origin: left center; } }
.js .step::after { transform: scaleX(0); transition: transform 600ms var(--ease) 260ms; }
.js .step[data-shown]::after, .js [data-shown] > .step::after { transform: none; }
.js .step .step-n { transform: scale(.85); opacity: 0; transition: transform 420ms var(--ease) 120ms, opacity 300ms var(--ease) 120ms; }
.js .step[data-shown] .step-n, .js [data-shown] > .step .step-n { transform: none; opacity: 1; }
@media (max-width: 899px) { .step:not(:last-child)::after { content: ""; position: absolute; left: calc(1.3rem + 21px); top: calc(1.4rem + 44px); bottom: -1.5rem; width: 2px; background: linear-gradient(180deg, rgba(124,200,126,.8), rgba(124,200,126,.15)); transform-origin: center top; } .js .step::after { transform: scaleY(0); } }
.step-note { margin-top: 1.5rem; font-size: .95rem; max-width: 60rem; }

/* ---------- calculator ---------- */
.calc { display: grid; gap: 1.5rem; }
@media (min-width: 960px) { .calc { grid-template-columns: 380px 1fr; align-items: start; } }
.calc-form { background: var(--surface); border-radius: var(--r-card); padding: 1.5rem; display: grid; gap: 1rem; }
.field { display: grid; gap: .35rem; }
.field label { font-weight: 600; color: var(--navy); font-size: .95rem; }
.field .hint { font-size: .82rem; color: var(--body); }
.input { display: flex; align-items: center; border: 1.5px solid var(--border); border-radius: var(--r-ctrl); background: #fff; min-height: 50px; padding: 0 .9rem; gap: .4rem; transition: border-color var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease); }
.input:focus-within { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(29,149,226,.2); }
.input .pre, .input .suf { color: var(--body); font-weight: 500; }
.input input, .input select { border: 0; outline: 0; background: transparent; min-width: 0; width: 100%; font: 500 1.05rem var(--font-body); color: var(--navy); font-variant-numeric: tabular-nums; padding: .6rem 0; }
.input select { appearance: none; -webkit-appearance: none; padding-right: 1.5rem; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 8l5 5 5-5' fill='none' stroke='%23053060' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") no-repeat right .1rem center / 16px; }
.field.error .input { border-color: #B3261E; }
.field .err { color: #B3261E; font-size: .85rem; display: none; }
.field.error .err { display: block; }
.calc-out { display: grid; gap: 1.25rem; }
.calc-cards { display: grid; gap: 1rem; }
@media (min-width: 640px) { .calc-cards { grid-template-columns: 1fr 1fr; } }
.rate-card { border: 1.5px solid var(--border); border-radius: var(--r-card); padding: 1.25rem 1.35rem; background: #fff; }
.rate-card.best { border-color: rgba(96,188,99,.7); background: linear-gradient(180deg, rgba(124,200,126,.10), #fff 60%); }
.rate-card h3 { font-size: 1rem; color: var(--body); font-family: var(--font-body); font-weight: 600; margin-bottom: .5rem; }
.rate-card .big { font: 800 clamp(2rem, 1.6rem + 1.5vw, 2.6rem)/1.05 var(--font-head); color: var(--navy); letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.rate-card .big small { font: 500 .95rem var(--font-body); color: var(--body); letter-spacing: 0; margin-left: .25rem; }
.rate-card dl { margin: 1rem 0 0; display: grid; grid-template-columns: 1fr auto; gap: .35rem 1rem; font-size: .95rem; }
.rate-card dt { color: var(--body); } .rate-card dd { margin: 0; color: var(--navy); font-weight: 600; text-align: right; font-variant-numeric: tabular-nums; }
.diff-card { background: var(--navy); color: #C9D8E8; border-radius: var(--r-card); padding: 1.35rem 1.5rem; display: grid; gap: .5rem; }
.diff-card strong { color: #fff; font-family: var(--font-head); font-size: clamp(1.5rem, 1.2rem + 1.2vw, 2.1rem); font-variant-numeric: tabular-nums; letter-spacing: -.02em; }
.diff-card p { margin: 0; }
.calc-note { font-size: .9rem; color: var(--body); border-left: 3px solid var(--border); padding-left: 1rem; }
.calc-status[aria-live] { min-height: 1.5rem; font-size: .9rem; color: #B3261E; }

/* ---------- FAQ ---------- */
.faq-list { list-style: none; margin: 0; padding: 0; border-top: 1px solid var(--border); }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q { display: flex; width: 100%; align-items: center; justify-content: space-between; gap: 1rem; padding: 1.1rem 0; background: none; border: 0; text-align: left; cursor: pointer; font: 700 1.08rem/1.35 var(--font-head); color: var(--navy); }
.faq-q svg { width: 22px; height: 22px; flex: none; color: var(--blue); transition: transform var(--t-mid) var(--ease); }
.faq-q[aria-expanded="true"] svg { transform: rotate(45deg); }
.faq-a { display: grid; grid-template-rows: 0fr; max-width: 70ch; color: var(--body); transition: grid-template-rows 220ms var(--ease); }
.faq-a > * { overflow: hidden; min-height: 0; visibility: hidden; transition: visibility 0s 220ms; }
.faq-a[data-open] > * { visibility: visible; transition-delay: 0s; }
.faq-a > *:last-child { padding-bottom: 0; }
.faq-a[data-open] { grid-template-rows: 1fr; }
.faq-a[data-open] > .faq-body { padding-bottom: 1.25rem; }
.faq-body { transition: padding-bottom 220ms var(--ease); }
.faq-body p:last-child { margin-bottom: 0; }
.faq-a p:last-child { margin-bottom: 0; }
.faq-a ul { padding-left: 1.2rem; }
.faq-search { display: flex; gap: .6rem; margin: 0 0 2rem; }
.faq-search .input { flex: 1; }
.faq-search .input svg { width: 20px; height: 20px; color: var(--muted); }
.faq-group { margin-bottom: 2.5rem; }
.faq-group h2 { font-size: clamp(1.4rem, 1.2rem + .8vw, 1.9rem); margin-bottom: .5rem; }
.faq-empty { display: none; background: var(--surface); border-radius: var(--r-card); padding: 1.5rem; }
.faq-empty[data-show] { display: block; }
.faq-item[hidden], .faq-group[hidden] { display: none; }
.faq-toc { display: flex; flex-wrap: wrap; gap: .5rem; margin-bottom: 2rem; }
.faq-toc a { display: inline-flex; min-height: 40px; align-items: center; padding: .4rem .9rem; border-radius: 10px; background: var(--surface); text-decoration: none; color: var(--navy); font-weight: 600; font-size: .9rem; }
.faq-toc a:hover { background: var(--border); }

/* ---------- forms ---------- */
.form-card { background: #fff; border: 1px solid var(--border); border-radius: var(--r-panel); padding: clamp(1.25rem, 3vw, 2.25rem); box-shadow: var(--shadow-1); }
.form-steps { display: flex; gap: .5rem; margin-bottom: .5rem; list-style: none; padding: 0; counter-reset: none; }
.form-steps li { flex: 1; display: flex; align-items: center; gap: .5rem; padding-bottom: .65rem; border-bottom: 4px solid var(--border); color: var(--muted); font-size: .85rem; font-weight: 600; min-width: 0; }
.form-steps__n { flex: none; width: 24px; height: 24px; border-radius: 50%; display: grid; place-items: center; font-size: .78rem; font-weight: 700; background: var(--surface); border: 1.5px solid var(--border); color: var(--muted); }
.form-steps__t { overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.form-steps li[data-done] { border-color: var(--green-dark); color: var(--green-dark); }
.form-steps li[data-done] .form-steps__n { background: var(--green-dark); border-color: var(--green-dark); color: #fff; }
.form-steps li[data-current] { border-color: var(--blue); color: var(--navy); }
.form-steps li[data-current] .form-steps__n { background: var(--blue); border-color: var(--blue); color: #fff; }
.form-step-count { font-size: .82rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--blue-dark); margin: 0 0 1.25rem; }
.form-hint { color: var(--body); margin: -.25rem 0 1rem; font-size: .95rem; }
.q-n { display: inline-grid; place-items: center; min-width: 2rem; height: 2rem; padding: 0 .4rem; margin-right: .6rem; border-radius: 8px; background: var(--surface); color: var(--blue-dark); font-size: .85rem; font-weight: 700; vertical-align: middle; }
@media (max-width: 520px) { .form-steps__t { display: none; } .form-steps li[data-current] .form-steps__t { display: block; } }
html:not(.js) .form-step-count { display: none; }
.form-step { border: 0; padding: 0; margin: 0; min-width: 0; } .form-step[hidden] { display: none; }
.choice-grid { display: grid; gap: .75rem; }
@media (min-width: 560px) { .choice-grid { grid-template-columns: 1fr 1fr; } }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.choice label { display: flex; gap: .75rem; align-items: flex-start; min-height: 56px; padding: .9rem 1rem; border: 1.5px solid var(--border); border-radius: 14px; cursor: pointer; background: #fff; transition: border-color var(--t-fast) var(--ease), box-shadow var(--t-fast) var(--ease); }
.choice label svg { width: 22px; height: 22px; color: var(--blue); flex: none; margin-top: .05rem; }
.choice label strong { display: block; color: var(--navy); }
.choice label span.d { display: block; font-size: .88rem; color: var(--body); }
.choice input:checked + label { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(29,149,226,.18); background: var(--surface); }
.choice input:focus-visible + label { outline: 3px solid var(--ring); outline-offset: 2px; }
.form-nav { display: flex; flex-wrap: wrap; gap: .75rem; justify-content: space-between; margin-top: 1.5rem; }
.form-summary { background: var(--surface); border-radius: 14px; padding: 1rem 1.1rem; font-size: .95rem; margin-bottom: 1.25rem; }
.form-summary ul { margin: .5rem 0 0; padding-left: 1.2rem; }
.err-summary { display: none; border: 1.5px solid #B3261E; background: #FCEDEC; color: #7A1712; border-radius: 12px; padding: 1rem 1.1rem; margin-bottom: 1rem; }
.err-summary[data-show] { display: block; }
.err-summary ul { margin: .5rem 0 0; padding-left: 1.2rem; }
.err-summary a { color: #7A1712; }
.status-box { border-radius: 12px; padding: 1rem 1.1rem; margin-top: 1rem; display: none; }
.status-box[data-kind="error"] { display: block; background: #FCEDEC; color: #7A1712; border: 1.5px solid #B3261E; }
.status-box[data-kind="pending"] { display: block; background: var(--surface); color: var(--navy); }
.consent { display: flex; gap: .7rem; align-items: flex-start; font-size: .92rem; color: var(--body); }
.consent input { width: 22px; height: 22px; margin: .15rem 0 0; flex: none; accent-color: var(--blue-dark); }
textarea.ta { width: 100%; min-height: 110px; border: 1.5px solid var(--border); border-radius: var(--r-ctrl); padding: .8rem .9rem; font: 400 1rem/1.5 var(--font-body); color: var(--navy); resize: vertical; }
textarea.ta:focus { outline: 0; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(29,149,226,.2); }
.hp { position: absolute; left: -9999px; top: -9999px; }

/* ---------- prose (articles, legal) ---------- */
.prose { max-width: 70ch; }
.prose h2 { font-size: clamp(1.5rem, 1.2rem + 1vw, 2rem); margin-top: 2.2rem; }
.prose h3 { margin-top: 1.6rem; }
.prose ul, .prose ol { padding-left: 1.3rem; }
.prose li { margin-bottom: .45rem; }
.prose table { border-collapse: collapse; width: 100%; font-size: .95rem; margin: 1rem 0 1.5rem; }
.prose th, .prose td { text-align: left; padding: .6rem .7rem; border-bottom: 1px solid var(--border); vertical-align: top; }
.prose th { color: var(--navy); font-weight: 700; }
.prose td { font-variant-numeric: tabular-nums; }
.table-wrap { overflow-x: auto; }
.callout { background: var(--surface); border-left: 4px solid var(--blue); border-radius: 0 14px 14px 0; padding: 1rem 1.25rem; margin: 1.5rem 0; }
.callout p:last-child { margin: 0; }
.meta-line { font-size: .9rem; color: var(--body); margin-bottom: 1.5rem; }
.sources { font-size: .9rem; margin-top: 2.5rem; padding-top: 1.25rem; border-top: 1px solid var(--border); }
.sources ul { padding-left: 1.2rem; }
.sources a { word-break: break-word; }
.page-hero { padding-block: clamp(2.5rem, 5vw, 4.5rem) clamp(2rem, 4vw, 3.5rem); background: #fff; }
.page-hero .lead { max-width: 40rem; }
.page-hero--pale { background: var(--surface); }
.article-grid { display: grid; gap: 2.5rem; } .article-grid > * { min-width: 0; }
@media (min-width: 1000px) { .article-grid { grid-template-columns: 1fr 300px; align-items: start; } }
.aside-card { position: sticky; top: 100px; background: var(--surface); border-radius: var(--r-card); padding: 1.35rem; }
.aside-card h3 { font-size: 1.05rem; }
.aside-card .btn { width: 100%; margin-top: .75rem; }
.aside-card ul { padding-left: 1.1rem; margin: .5rem 0 0; font-size: .92rem; }

/* ---------- contact ---------- */
.contact-grid { display: grid; gap: 1.25rem; }
@media (min-width: 900px) { .contact-grid { grid-template-columns: repeat(2, 1fr); } }
.contact-grid .card svg.big { width: 28px; height: 28px; color: var(--blue); margin-bottom: .75rem; }
.contact-grid .card a { font-weight: 600; }
.map { border-radius: var(--r-panel); overflow: hidden; border: 1px solid var(--border); aspect-ratio: 16 / 7; background: var(--surface); }
.map iframe { width: 100%; height: 100%; border: 0; display: block; }
@media (max-width: 640px) { .map { aspect-ratio: 4 / 3; } }

/* ---------- footer ---------- */
.ftr { background: var(--navy); color: #B9CBDE; padding: clamp(3rem, 6vw, 4.5rem) 0 2rem; font-size: .95rem; }
.ftr a { color: #fff; text-decoration: none; }
.ftr a:hover { text-decoration: underline; color: #fff; }
.ftr-grid { display: grid; gap: 2rem; }
@media (min-width: 700px) { .ftr-grid { grid-template-columns: 1.4fr 1fr 1fr 1.2fr; } }
.ftr-brand img { width: 280px; height: 32px; object-fit: contain; object-position: left center; }

.ftr-brand p { margin-top: 1rem; max-width: 34ch; }
.ftr h3 { color: #fff; font-size: 1rem; margin-bottom: .75rem; }
.ftr ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .5rem; }
.ftr li a { display: inline-flex; align-items: center; gap: .55rem; min-height: 32px; }
.ftr li svg { width: 18px; height: 18px; flex: none; opacity: .85; }
.ftr address { font-style: normal; line-height: 1.6; }
.ftr-legal { margin-top: 2.5rem; padding-top: 1.25rem; border-top: 1px solid rgba(255,255,255,.14); display: flex; flex-wrap: wrap; gap: .75rem 1.5rem; justify-content: space-between; align-items: center; font-size: .85rem; }
.ftr-legal a { text-decoration: underline; } .ftr-legal .powered a { color: #9FDDA0; font-weight: 600; }
.ftr-disc { margin-top: 1.25rem; font-size: .82rem; color: #93A9C0; max-width: 90ch; }

/* ---------- reveal (gated behind .js so content is visible without JS) ---------- */
.js [data-reveal] { opacity: 0; transform: translateY(14px); transition: opacity 480ms var(--ease), transform 480ms var(--ease); }
.js [data-reveal][data-shown] { opacity: 1; transform: none; }
/* group stagger: children of a revealed group enter 60ms apart */
.js [data-reveal-group] > * { opacity: 0; transform: translateY(14px); transition: opacity 480ms var(--ease), transform 480ms var(--ease); }
.js [data-reveal-group][data-shown] > * { opacity: 1; transform: none; }
.js [data-reveal-group][data-shown] > :nth-child(2) { transition-delay: 60ms; }
.js [data-reveal-group][data-shown] > :nth-child(3) { transition-delay: 120ms; }
.js [data-reveal-group][data-shown] > :nth-child(4) { transition-delay: 180ms; }
.js [data-reveal-group][data-shown] > :nth-child(5) { transition-delay: 240ms; }
.js [data-reveal-group][data-shown] > :nth-child(n+6) { transition-delay: 300ms; }
/* hero entrance: once, on load, staged 70ms apart; the image settles from a 3% scale */
.js .hero-anim [data-enter] { opacity: 0; transform: translateY(16px); transition: opacity 520ms var(--ease), transform 520ms var(--ease); }
.js .hero-anim .hero-media .panel[data-enter], .js .hero-anim .panel-img[data-enter] { transform: scale(1.03); }
.js .hero-anim.is-in [data-enter] { opacity: 1; transform: none; }
.js .hero-anim.is-in [data-enter="2"] { transition-delay: 70ms; }
.js .hero-anim.is-in [data-enter="3"] { transition-delay: 140ms; }
.js .hero-anim.is-in [data-enter="4"] { transition-delay: 210ms; }
.js .hero-anim.is-in [data-enter="5"] { transition-delay: 120ms; }
.js .hero-anim.is-in [data-enter="6"] { transition-delay: 420ms; }
.js .hero-anim.is-in [data-enter="7"] { transition-delay: 490ms; }
.js .hero-anim.is-in [data-enter="8"] { transition-delay: 560ms; }
/* highlighted phrase: a single sweep of light on load, never looping */
.js .hero-anim.is-in .em-sweep { background: linear-gradient(100deg, var(--blue) 0 40%, #6CC0F5 50%, var(--blue) 60% 100%); background-size: 250% 100%; -webkit-background-clip: text; background-clip: text; color: transparent; animation: em-sweep 1100ms var(--ease) 500ms 1 both; }
@keyframes em-sweep { from { background-position: 100% 0; } to { background-position: 0% 0; } }
/* primary button sheen: one pass per hover or focus */
.btn--primary { position: relative; overflow: hidden; }
.btn--primary::after { content: ""; position: absolute; inset: 0; background: linear-gradient(105deg, transparent 35%, rgba(255,255,255,.45) 50%, transparent 65%); transform: translateX(-120%); pointer-events: none; }
@media (hover: hover) and (pointer: fine) { .btn--primary:hover::after, .btn--primary:focus-visible::after { animation: sheen 650ms var(--ease) 1; } }
@keyframes sheen { to { transform: translateX(120%); } }
/* mobile action bar slides up on load */
.js .mbar { animation: bar-in 420ms var(--ease) 300ms both; }
@keyframes bar-in { from { transform: translateY(110%); } to { transform: none; } }
/* calculator cards acknowledge an update */
.rate-card.updated .big { animation: tick 320ms var(--ease) 1; }
@keyframes tick { 0% { transform: translateY(3px); opacity: .6; } 100% { transform: none; opacity: 1; } }
.card .ico svg { transition: transform var(--t-mid) var(--ease); }
a.card:hover .ico svg { transform: translateY(-2px); }
@media (prefers-reduced-motion: reduce) {
  .js [data-reveal], .js [data-reveal-group] > *, .js .hero-anim [data-enter], .js .step::after, .js .step .step-n { opacity: 1; transform: none; transition: none; }
  .dd-menu[data-open], .drawer[data-open] .drawer-bg, .drawer[data-open] .drawer-panel, .js .mbar, .btn--primary::after, .rate-card.updated .big, .js .hero-anim.is-in .em-sweep { animation: none !important; }
  .js .hero-anim.is-in .em-sweep { color: var(--blue); background: none; }
  .faq-a, .faq-body { transition: none; }
  .btn, .btn svg, .card, .panel-img img, .goal-card a, .link-arrow svg, .faq-q svg, .mbar { transition: none !important; }
  .panel-img:hover img { transform: none; }
}

/* ---------- 404 / thank-you ---------- */
.center-box { max-width: 44rem; margin-inline: auto; text-align: center; }
.next-list { text-align: left; }
@media print { .hdr, .mbar, .ftr, .btn, .drawer { display: none !important; } body { padding: 0; } }

/* stacked tables on narrow screens: each row becomes a card, header text via data-th */
@media (max-width: 639px) {
  .prose table.stack, .prose table.stack tbody, .prose table.stack tr, .prose table.stack td { display: block; width: 100%; }
  .prose table.stack thead { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
  .prose table.stack tr { border: 1px solid var(--border); border-radius: 12px; padding: .5rem .9rem; margin-bottom: .75rem; background: var(--surface); }
  .prose table.stack td { border: 0; padding: .35rem 0; display: grid; grid-template-columns: 1fr auto; gap: 1rem; }
  .prose table.stack td::before { content: attr(data-th); color: var(--navy); font-weight: 600; text-align: left; }
  .prose table.stack td:first-child { font-weight: 700; color: var(--navy); grid-template-columns: 1fr; }
  .prose table.stack td:first-child::before { display: none; }
}
@media (max-width: 420px) { .btn { white-space: normal; } }
/* text-only zoom resilience: nothing forces a horizontal scroll at 200% text size */
.hdr .wrap, .nav, .hdr-actions { flex-wrap: wrap; }
h1, h2, h3 { overflow-wrap: break-word; }
.card .btn, .contact-grid .btn, .cta-row .btn { white-space: normal; }
@media (min-width: 960px) { .calc { grid-template-columns: minmax(260px, 380px) 1fr; } }
.rate-card .big { overflow-wrap: anywhere; }
.split > *, .grid > *, .two-col > *, .contrast > *, .steps > *, .calc > * { min-width: 0; }
p, li, dd, dt, label, span { overflow-wrap: break-word; }
.calc-out > *, .calc-cards > *, .check-list li > *, .reassure > *, .goal-card a > *, .choice label > * { min-width: 0; }
@media (min-width: 640px) { .calc-cards { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
.rate-card dl { grid-template-columns: minmax(0, 1fr) auto; }
.check-list > li, .faq-list > li, .steps > li, ol > li, ul > li { min-width: 0; }

/* audit round: tap targets, apply layout, navy FAQ, sweep cleanup */
.ftr-legal a, .ftr-legal .powered a { display: inline-block; padding-block: .35rem; }
.phone-link { min-height: 32px; }
.choice input { position: absolute; inset: 0; width: 100%; height: 100%; opacity: 0; margin: 0; cursor: pointer; }
.choice label { position: relative; z-index: 1; pointer-events: none; }
.choice label a { pointer-events: auto; }
.form-step h2 { margin-bottom: .75rem; }
.apply-grid { display: grid; gap: 2rem; max-width: 760px; margin: 0 auto; }
.faq-list--navy { border-top-color: rgba(255,255,255,.18); }
.faq-list--navy .faq-item { border-bottom-color: rgba(255,255,255,.18); }
.faq-list--navy .faq-q { color: #fff; } .faq-list--navy .faq-q svg { color: #9FDDA0; }
.faq-list--navy .faq-a { color: #C9D8E8; } .faq-list--navy .faq-a a { color: #fff; }
/* inline text links: larger hit boxes with no layout change */
p > a, li > a, dd > a, .faq-a a, .sources a, .meta-line a, .small a, .callout a, td a, .step-note a, .ftr-disc a { padding-block: .22em; }
.small a, .sources a, .meta-line a, .tiny a, .aside-card a { padding-block: .4em; }
.check-list a, .reassure a, .prose a { padding-block: .22em; }
.prose .sources a, .prose .small a { padding-block: .4em; }
.btn--primary, .sec--navy .btn--primary, .on-navy .btn--primary, .sec--navy .btn--primary:hover { color: #fff; }
.sources li { padding-block: .15rem; } .sources li a { padding-block: .45em; }

/* without JavaScript: the whole form shows, step buttons hide, the header nav stays reachable */
html:not(.js) .form-nav [data-next], html:not(.js) .form-nav [data-prev], html:not(.js) .form-steps { display: none; }
html:not(.js) .nav { display: flex; flex-wrap: wrap; }
html:not(.js) .burger { display: none; }
html:not(.js) .dd-menu { display: block; position: static; min-width: 0; box-shadow: none; border: 0; padding: 0; }
html:not(.js) .dd-menu a span { display: none; }
html:not(.js) .dd > button { display: none; }
html:not(.js) .hdr-actions .btn { display: inline-flex; }
.input .suf, .input .pre { white-space: nowrap; flex: none; }
.faq-q { min-width: 0; } .faq-q > span, .faq-q { overflow-wrap: anywhere; }
.faq-h { min-width: 0; }
.apply-grid > * { min-width: 0; }
.contrast .card h3 > span { min-width: 0; overflow-wrap: anywhere; }

/* Inline status line (thank-you) and a default size for any unsized inline icon */
.status-line { color: var(--green-dark); font-weight: 600; display: flex; align-items: center; gap: .5rem; margin: 0 0 .75rem; font-size: .95rem; }
.status-line svg { width: 20px; height: 20px; flex: none; }
:where(p, h1, h2, span) > svg:not([width]) { width: 1.1em; height: 1.1em; }
/* Blue primary buttons on navy sections: a hairline lift so they read against the dark ground */
.sec--navy .btn--primary, .on-navy .btn--primary { box-shadow: inset 0 0 0 1px rgba(255,255,255,.18), 0 6px 16px rgba(0,0,0,.25); }
.sec--navy .btn--primary:hover, .on-navy .btn--primary:hover { background: var(--blue-bright); }

/* ---------- Resources: sister community ---------- */
.eyebrow { font-size: .8rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--blue-dark); margin: 0 0 .9rem; }
.sec--navy .eyebrow { color: #9FD3F5; }
.cf-hero .cta-row { align-items: center; }
.cf-hero .link-arrow { font-weight: 600; }
.cf-preview { margin: 0; }
.cf-preview figcaption { font-size: .82rem; color: var(--body); margin-top: .75rem; text-align: center; }
.cf-app { background: #fff; border: 1px solid var(--border); border-radius: var(--r-panel); box-shadow: var(--shadow-2); padding: 1.1rem 1.25rem 1.25rem; display: grid; gap: .9rem; font-size: .92rem; color: var(--body); }
.cf-app__bar { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding-bottom: .8rem; border-bottom: 1px solid var(--border); }
.cf-app__logo img { width: auto; height: 22px; display: block; }
.cf-app__chip { font-size: .72rem; font-weight: 700; color: var(--green-dark); background: #EAF6EA; border-radius: 999px; padding: .25rem .6rem; white-space: nowrap; }
.cf-app__eyebrow { display: block; font-size: .7rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--body); margin-bottom: .35rem; }
.cf-app__goal strong { display: block; color: var(--navy); font-family: var(--font-head, inherit); font-size: 1.05rem; line-height: 1.3; }
.cf-app__meter { height: 8px; border-radius: 999px; background: var(--surface); margin: .6rem 0 .35rem; overflow: hidden; }
.cf-app__meter span { display: block; height: 100%; border-radius: 999px; background: linear-gradient(90deg, var(--blue), var(--blue-bright)); }
.cf-app__meta { font-size: .78rem; color: var(--body); }
.cf-app__row ul { list-style: none; margin: 0; padding: 0; display: grid; gap: .4rem; }
.cf-app__row li { display: flex; align-items: center; gap: .5rem; padding: .5rem .65rem; border: 1px solid var(--border); border-radius: 10px; color: var(--navy); font-weight: 500; }
.cf-app__row li svg { width: 18px; height: 18px; flex: none; color: var(--blue); }
.cf-app__row li.done { color: var(--body); text-decoration: line-through; text-decoration-color: rgba(74,100,128,.5); }
.cf-app__row li.done svg { color: var(--green-dark); }
.cf-app__tools { display: flex; flex-wrap: wrap; gap: .4rem; }
.cf-app__tools span { display: inline-flex; align-items: center; gap: .35rem; padding: .35rem .6rem; border-radius: 999px; background: var(--surface); color: var(--navy); font-size: .8rem; font-weight: 600; }
.cf-app__tools svg { width: 15px; height: 15px; color: var(--blue); }
.cf-app__ask { display: flex; align-items: center; gap: .6rem; padding: .7rem .9rem; border-radius: 12px; background: var(--blue); color: #fff; font-weight: 600; }
.cf-app__ask svg { width: 20px; height: 20px; flex: none; }
.cf-app__ask em { margin-left: auto; font-style: normal; font-weight: 500; font-size: .75rem; opacity: .85; white-space: nowrap; }
.expert-card { background: #fff; border: 1px solid var(--border); border-radius: var(--r-panel); box-shadow: var(--shadow-1); padding: clamp(1.5rem, 3vw, 2.25rem); }
.expert-card__mark img { width: auto; height: 32px; display: block; margin-bottom: 1rem; }
.expert-card__badge { display: inline-flex; align-items: center; gap: .4rem; font-size: .8rem; font-weight: 700; color: var(--blue-dark); background: var(--surface); border-radius: 999px; padding: .3rem .7rem .3rem .55rem; margin: 0 0 .9rem; }
.expert-card__badge svg { width: 16px; height: 16px; }
.expert-card h3 { margin-bottom: .5rem; }
.expert-card .check-list { margin-top: 1rem; }
@media (max-width: 420px) { .cf-app__ask em { display: none; } .cf-app__bar .cf-app__chip { display: none; } }

/* Contact heading: brand logo in place of the long wordmark text (which wrapped mid-word) */
.h1-logo { display: flex; flex-wrap: wrap; align-items: center; gap: .2em .35em; }
.h1-logo__img { display: inline-flex; align-items: center; min-width: 0; max-width: 100%; }
.h1-logo__img img { width: auto; height: clamp(2.3rem, 1.2rem + 3.2vw, 3.6rem); max-width: 100%; display: block; }

/* Answer choices: light blue boxes so they read as options, with a clear selected state */
.choice label { background: #EEF5FC; border-color: #CFE2F5; color: var(--navy); font-weight: 600; }
.choice label:hover { background: #E3EFFA; border-color: var(--blue); }
.choice input:hover + label { background: #E3EFFA; border-color: var(--blue); }
.choice input:checked + label { background: var(--blue); border-color: var(--blue); color: #fff; box-shadow: 0 4px 12px rgba(17,118,202,.28); }
.choice input:checked + label strong, .choice input:checked + label span.d, .choice input:checked + label svg { color: #fff; }
.choice input:checked + label::after { content: ""; position: absolute; top: .85rem; right: .9rem; width: 18px; height: 18px; border-radius: 50%; background: #fff url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231176CA' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'><path d='m6 12.5 4 4 8-9'/></svg>") center/12px no-repeat; }
.choice label { padding-right: 2.6rem; }
.choice label { font-size: .95rem; line-height: 1.4; min-height: 52px; padding: .8rem 2.4rem .8rem .95rem; }
.choice label strong { font-weight: 600; }
.choice label span.d { font-size: .84rem; font-weight: 400; }
.aside-foot { margin: 1.25rem 0 0; padding-top: 1rem; border-top: 1px solid var(--border); }

/* "Prefer to talk?" lines: text and phone link share one baseline */
.talk-line { display: flex; align-items: center; flex-wrap: wrap; gap: .35rem .6rem; color: var(--body); }
.talk-line--center { justify-content: center; margin-top: 1.5rem; }
.talk-line .phone-link { min-height: 0; padding: .35rem .75rem; border: 1.5px solid var(--border); border-radius: 999px; background: #fff; font-size: .95rem; }
.talk-line .phone-link svg { width: 17px; height: 17px; color: var(--blue); }
.talk-line .phone-link:hover { text-decoration: none; border-color: var(--blue); }

/* ---------- Family of brands ---------- */
.nav > a.nav-quiet { color: var(--blue-dark); font-weight: 500; }
.ftr-family { margin-top: 2.25rem; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,.14); }
.ftr-family p { max-width: 62ch; font-size: .92rem; margin: 0 0 .9rem; }
.ftr-family ul { display: grid; gap: .6rem 1.5rem; }
@media (min-width: 700px) { .ftr-family ul { grid-template-columns: repeat(3, 1fr); } }
.ftr-family li a { align-items: flex-start; min-height: 0; }
.ftr-family li svg { margin-top: .2rem; }
.ftr-family li strong { display: block; color: #fff; }
.ftr-family li span { display: block; line-height: 1.4; }
.ftr-family li a[aria-current] { pointer-events: none; }

/* ---------- Navigator result step ---------- */
.choice-grid--3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 559px) { .choice-grid--3 { grid-template-columns: 1fr; } }
.result[hidden] { display: none; }
.result { padding: clamp(1.25rem, 3vw, 1.75rem); border-radius: var(--r-card); background: var(--surface); border: 1px solid var(--border); }
.result h2 { margin-bottom: .5rem; }
.result .cta-row { margin-top: 1rem; align-items: center; }
.result .link-arrow { background: none; border: 0; padding: .5rem 0; cursor: pointer; font: inherit; font-weight: 600; color: var(--blue-dark); display: inline-flex; align-items: center; gap: .35rem; }
.result .form-summary { margin: .75rem 0 1rem; }
html:not(.js) #step-4 { display: none; }
.form-steps { gap: .35rem; }
@media (max-width: 760px) { .form-steps__t { display: none; } .form-steps li { gap: 0; justify-content: center; } }
.ty-community { margin: 1.5rem 0; padding: 1.25rem 1.4rem; border-radius: var(--r-card); background: var(--surface); border: 1px solid var(--border); }
.ty-community p { margin: .35rem 0 .9rem; }
.result .cta-row { display: flex; flex-wrap: wrap; gap: .75rem 1.25rem; }

/* Article next step */
.next-step { margin: 2.5rem 0 2rem; padding: 1.4rem 1.5rem; border-radius: var(--r-card); background: var(--surface); border: 1px solid var(--border); }
.next-step p { margin: .4rem 0 1rem; }
.next-step .cta-row { display: flex; flex-wrap: wrap; align-items: center; gap: .75rem 1.25rem; margin: 0; }

/* Paths section and quiet alternatives */
.path-card { display: flex; flex-direction: column; align-items: flex-start; gap: .25rem; }
.path-card p { flex: 1; }
.path-card .btn { margin-top: .75rem; }
.path-card--primary { border-color: rgba(17,118,202,.35); box-shadow: 0 8px 24px rgba(17,118,202,.10); }
.quiet-alt { margin-top: 2rem; padding: 1.25rem 1.4rem; border-left: 4px solid var(--blue); background: var(--surface); border-radius: 0 var(--r-card) var(--r-card) 0; }
.quiet-alt h3 { font-size: 1.05rem; margin-bottom: .35rem; }
.quiet-alt p { margin: 0 0 .6rem; }
.quiet-alt .cta-row { display: flex; flex-wrap: wrap; gap: .5rem 1.5rem; margin: 0; }
/* Header fit at the narrower desktop widths (was unconditional and always cramped
   the header, even on wide screens; scoped now to only the tight range). */
@media (min-width: 1080px) and (max-width: 1279px) {
  .hdr .brand img { width: 241px; height: 27px; }
  .nav { gap: .5rem; }
  .nav > a, .nav > .dd > button { padding: .5rem .5rem; font-size: .95rem; }
  .hdr-phone { font-size: .86rem; padding: 0 .75rem; }
  .hdr-phone svg { width: 15px; height: 15px; }
  .hdr .wrap { gap: .5rem; }
  .hdr-actions { gap: .5rem; }
}
@media (min-width: 1080px) and (max-width: 1139px) { .hdr .brand img { width: 210px; height: 24px; } }
/* Wide desktop: give the (now shorter) nav room to spread out evenly */
@media (min-width: 1280px) { .nav { gap: 2rem; } }

/* ---------- Audit round 4 polish ---------- */
.hero-media .panel picture, .panel-img picture { display: block; height: 100%; }
@media (min-width: 900px) { .step h3 { min-height: 2.6em; } }
/* Card rows: link-arrows pin to a shared baseline, photos crop identically */
a.card { display: flex; flex-direction: column; }
a.card > p { flex: 1; }
a.card > .link-arrow { margin-top: auto; }
a.card > .panel-img { flex: none; }
a.card > .panel-img img { display: block; width: 100%; height: 100%; }
.page-hero .lead { max-width: 46rem; }
.entity-line { margin-top: 1.5rem; padding-top: 1.1rem; border-top: 1px solid var(--border); font-size: .95rem; }
#expectations .split { align-items: start; }
#expectations .two-col h3 { min-height: 2.6em; display: flex; align-items: flex-end; }
@media (max-width: 899px) { #expectations .two-col h3 { min-height: 0; display: block; } }
.apply-aside { position: sticky; top: 100px; align-self: start; }
@media (max-width: 999px) { .apply-aside { position: static; } }
.card h3, .card p, .path-card h3 { overflow-wrap: anywhere; }
.choice { min-width: 0; } .choice label { min-width: 0; } .choice label strong, .choice label span.d { overflow-wrap: anywhere; }

/* ---------- CRC enrollment pricing section (CreditForwardRepair-Native-CRC-Replacement-
   Kit, 2026-09-16). Adapted from the kit's design/index.html reference into this site's
   own custom properties, fonts and .btn styling instead of the reference's inline hex
   values -- classes stay cfr-prefixed per the kit so they never collide with the rest of
   the design system. Lives on /credit-repair only. ---------- */
.cfr-section { background: var(--surface); padding: 4rem 2rem; }
.cfr-grid { max-width: 1120px; margin: 0 auto; display: grid; grid-template-columns: 1.1fr .9fr; gap: 3.5rem; align-items: center; }
.cfr-title { font-family: var(--font-head); font-size: 2.625rem; line-height: 1.15; letter-spacing: -.03em; margin: 0 0 1.375rem; font-weight: 750; color: var(--navy); }
.cfr-description { font-size: 1.0625rem; color: var(--body); margin: 0 0 2rem; max-width: 30rem; }
.cfr-steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 1.5rem; }
.cfr-steps li { display: flex; gap: 1rem; }
.cfr-number { border-radius: 50%; width: 2rem; height: 2rem; flex-shrink: 0; display: grid; place-items: center; background: var(--white); border: 1px solid var(--border); color: var(--blue-dark); font-size: .875rem; font-weight: 700; }
.cfr-step-title { margin: 0 0 .25rem; font-size: 1rem; font-weight: 700; color: var(--navy); }
.cfr-step-text { margin: 0; color: var(--body); font-size: .875rem; }
.cfr-offer { background: var(--white); padding: 2rem; border: 1px solid var(--border); border-radius: var(--r-panel); box-shadow: 0 12px 36px rgba(5,48,96,.06); }
.cfr-offer h3 { font-family: var(--font-head); font-size: 1.4375rem; line-height: 1.2; letter-spacing: -.02em; margin: 0 0 .875rem; color: var(--navy); }
.cfr-price { font-size: 3.25rem; line-height: 1.2; font-weight: 750; letter-spacing: -.04em; margin: 0 0 .75rem; color: var(--navy); }
.cfr-price span { font-size: 1rem; letter-spacing: 0; color: var(--body); font-weight: 400; }
.cfr-offer > p { color: var(--body); font-size: .9375rem; margin: 0 0 1.375rem; }
.cfr-monitoring { padding: 1.375rem 0; border-block: 1px solid var(--border); margin: 1.5rem 0; }
.cfr-monitoring h4 { font-size: .9375rem; margin: 0 0 .5rem; color: var(--navy); }
.cfr-monitoring p { margin: 0; font-size: .875rem; color: var(--body); }
.cfr-offer .btn { width: 100%; }
.cfr-footnote { font-size: .8125rem; margin: 1rem 0 0; line-height: 1.6; text-align: center; color: var(--muted); }
@media (max-width: 760px) {
  .cfr-section { padding: 2.5rem 1.25rem; }
  .cfr-grid { grid-template-columns: 1fr; gap: 2rem; }
  .cfr-title { font-size: 2rem; letter-spacing: -.02em; }
  .cfr-offer { padding: 1.5rem; }
  .cfr-description { font-size: 1rem; }
  .cfr-price { font-size: 3rem; }
}

/* 3-tier plan layout (2026-10-05): Individual/Couples/5-Family-Members, the real plans
   in Jeff's CRC account, replacing the kit's original single-offer card. */
.cfr-intro { max-width: 1120px; margin: 0 auto 3rem; }
.cfr-tiers { max-width: 1120px; margin: 0 auto; display: grid; grid-template-columns: repeat(3, 1fr); gap: 2rem; }
.cfr-tiers .cfr-price { font-size: 2.5rem; }
.cfr-fee { font-size: .9375rem; font-weight: 700; color: var(--navy); margin: 0 0 1.25rem; }
.cfr-monitoring-shared { max-width: 1120px; margin: 2.5rem auto 0; padding: 1.375rem 0; border-block: 1px solid var(--border); text-align: center; }
.cfr-monitoring-shared h4 { font-size: .9375rem; margin: 0 0 .5rem; color: var(--navy); }
.cfr-monitoring-shared p { margin: 0; font-size: .875rem; color: var(--body); }
@media (max-width: 760px) {
  .cfr-tiers { grid-template-columns: 1fr; gap: 1.5rem; }
}