/* RevitaLending — DC · MD · VA hard money (v2 concept) */
:root {
  --navy-950: #071226;
  --navy-900: #0b1a33;
  --navy-800: #102344;
  --navy-700: #183058;
  --ink: #0f1d36;
  --text: #2c3a52;
  --muted: #5e6b80;
  --line: #e2ddd3;
  --line-soft: #ece8e0;
  --cream: #f7f4ee;
  --cream-2: #efeae0;
  --white: #ffffff;
  --blue: #1e9bf0;
  --blue-600: #0e7fd0;
  --blue-700: #0b6bb0;
  --sky: #8fd0fa;
  --sky-soft: #e6f4fe;
  --green: #1f8a5b;
  --amber: #b26a00;
  --red: #b4322c;
  --radius: 14px;
  --radius-sm: 10px;
  --shadow: 0 1px 2px rgba(15, 29, 54, .06), 0 8px 24px -12px rgba(15, 29, 54, .18);
  --shadow-lg: 0 2px 4px rgba(15, 29, 54, .06), 0 24px 48px -20px rgba(15, 29, 54, .35);
  --f-display: "Archivo", "Helvetica Neue", Arial, sans-serif;
  --f-body: "Source Sans 3", "Segoe UI", Arial, sans-serif;
  --f-mono: "JetBrains Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;
  --wrap: 1200px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 96px; -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--cream); color: var(--text); font-family: var(--f-body); font-size: 17px; line-height: 1.6; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: inherit; }
h1, h2, h3, h4 { font-family: var(--f-display); color: var(--ink); margin: 0; letter-spacing: -.015em; line-height: 1.12; }
p { margin: 0; }
.wrap { width: 100%; max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.mono { font-family: var(--f-mono); font-feature-settings: "zero" 0; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; font-family: var(--f-display); font-weight: 700; font-size: 14px; letter-spacing: .12em; text-transform: uppercase; text-decoration: none; border-radius: 8px; padding: 15px 26px; border: 1.5px solid transparent; cursor: pointer; transition: background .18s, color .18s, border-color .18s, transform .18s, box-shadow .18s; white-space: nowrap; }
.btn svg { width: 17px; height: 17px; flex: none; }
.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 8px 20px -10px rgba(30, 155, 240, .8); }
.btn-primary:hover { background: var(--blue-600); transform: translateY(-1px); }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .38); }
.btn-ghost:hover { border-color: #fff; background: rgba(255, 255, 255, .06); }
.btn-outline { background: #fff; color: var(--ink); border-color: #cfd6e2; }
.btn-outline:hover { border-color: var(--ink); }
.btn-navy { background: var(--ink); color: #fff; }
.btn-navy:hover { background: var(--navy-700); }
.btn-lg { font-size: 15px; padding: 18px 30px; }
.btn-block { width: 100%; }

.eyebrow { display: inline-block; font-family: var(--f-display); font-weight: 700; font-size: 13px; letter-spacing: .2em; text-transform: uppercase; color: var(--blue-700); }
.eyebrow-light { color: var(--sky); }

/* ---------- top bar + header ---------- */
.topbar { background: var(--navy-950); color: #c7d1e0; font-size: 13.5px; }
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 38px; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.topbar .tb-left { display: inline-flex; align-items: center; gap: 8px; }
.topbar .tb-left svg { width: 15px; height: 15px; color: var(--sky); }

.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .97); backdrop-filter: saturate(1.4) blur(8px); border-bottom: 1px solid var(--line-soft); }
.site-header .wrap { display: flex; align-items: center; gap: 24px; min-height: 84px; }
.brand { flex: none; display: flex; align-items: center; }
.brand img { height: 46px; width: auto; }
.nav { margin-left: auto; display: flex; align-items: center; gap: 4px; }
.nav a { font-family: var(--f-display); font-size: 13.5px; font-weight: 700; letter-spacing: .1em; color: var(--ink); text-decoration: none; padding: 10px 12px; border-radius: 6px; transition: color .15s, background .15s; }
.nav a:hover { color: var(--blue-700); background: var(--sky-soft); }
.header-cta { display: flex; align-items: center; gap: 10px; flex: none; }
.phone-block { display: inline-flex; align-items: center; gap: 10px; padding: 12px 16px; border: 1.5px solid #cfd6e2; border-radius: 8px; font-family: var(--f-mono); font-weight: 600; font-size: 15px; color: var(--ink); text-decoration: none; transition: border-color .15s; }
.phone-block:hover { border-color: var(--ink); }
.phone-block svg { width: 17px; height: 17px; color: var(--blue); }
.apply-block { padding: 14px 22px; }
.menu-toggle { display: none; margin-left: auto; background: none; border: 0; padding: 10px; cursor: pointer; color: var(--ink); }
.menu-toggle svg { width: 28px; height: 28px; }

/* ---------- hero ---------- */
.hero { position: relative; overflow: hidden; color: #dfe6f1; background: var(--navy-900); }
.hero-photo { position: absolute; inset: 0 0 0 auto; width: 58%; background: url("../images/hero-dc.jpg") 50% 60% / cover no-repeat; }
.hero-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, var(--navy-900) 0%, rgba(11, 26, 51, .92) 18%, rgba(11, 26, 51, .55) 52%, rgba(11, 26, 51, .25) 100%); }
.hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(1200px 500px at -10% -20%, rgba(30, 155, 240, .18), transparent 60%); z-index: 1; pointer-events: none; }
.hero .wrap { position: relative; z-index: 2; padding-top: 76px; padding-bottom: 64px; }
.hero-copy { max-width: 690px; }
.hero-eyebrow { font-family: var(--f-display); font-weight: 600; font-size: 14px; letter-spacing: .2em; color: #d9dee7; text-transform: uppercase; }
.hero-eyebrow .sep { color: var(--sky); margin: 0 .55em; opacity: .9; }
.hero h1 { color: #fff; font-weight: 800; font-size: clamp(40px, 5.2vw, 66px); line-height: 1.02; margin: 18px 0 22px; letter-spacing: -.025em; }
.hero h1 .hl { display: block; color: var(--sky); }
.hero-lead { font-size: 19.5px; line-height: 1.6; color: #d3dbe8; max-width: 620px; }
.hero-lead strong { color: #fff; font-weight: 700; }
.hero-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 22px; margin-top: 32px; }
.hero-call { font-size: 15px; padding: 18px 26px; border-color: rgba(255, 255, 255, .45); font-family: var(--f-mono); letter-spacing: .06em; }
.hero-call span.lbl { font-family: var(--f-display); letter-spacing: .14em; }
.hero-note { display: flex; flex-wrap: wrap; gap: 6px 18px; font-family: var(--f-display); font-weight: 600; font-size: 15px; color: #fff; }
.hero-note span { display: inline-flex; align-items: center; gap: 7px; }
.hero-note svg { width: 17px; height: 17px; color: var(--sky); }
.hero-stats { display: grid; grid-template-columns: repeat(4, 1fr); margin-top: 46px; border-top: 1px solid rgba(255, 255, 255, .16); max-width: 760px; }
.hero-stats > div { padding: 22px 18px 0 0; }
.hero-stats > div + div { padding-left: 20px; border-left: 1px solid rgba(255, 255, 255, .12); }
.hero-stats b { display: block; font-family: var(--f-mono); font-weight: 700; color: #fff; font-size: 27px; letter-spacing: -.02em; line-height: 1.1; white-space: nowrap; }
.hero-stats span { display: block; margin-top: 6px; font-size: 14.5px; color: #aebbd0; }

/* ---------- section scaffolding ---------- */
section { position: relative; }
.sec { padding: 96px 0; }
.sec-tight { padding: 72px 0; }
.sec-white { background: #fff; }
.sec-cream { background: var(--cream); }
.sec-navy { background: var(--navy-900); color: #cfd8e6; }
.sec-navy h2, .sec-navy h3 { color: #fff; }
.sec-head { text-align: center; max-width: 820px; margin: 0 auto 48px; }
.sec-head h2 { font-size: clamp(30px, 3.6vw, 44px); font-weight: 800; margin-top: 12px; }
.sec-head p { margin-top: 16px; font-size: 18.5px; color: var(--muted); }
.sec-navy .sec-head p { color: #b9c5d8; }
.fine { font-size: 13.5px; color: var(--muted); line-height: 1.55; }
.sec-navy .fine { color: #93a2ba; }

/* ---------- how can we help ---------- */
.help { padding: 64px 0 0; }
.help-label { text-align: center; }
.help-grid { display: grid; grid-template-columns: repeat(5, 1fr); gap: 14px; margin-top: 22px; }
.path { position: relative; display: flex; gap: 14px; align-items: flex-start; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 20px 18px; text-decoration: none; box-shadow: var(--shadow); transition: transform .18s, border-color .18s, box-shadow .18s; }
.path:hover { transform: translateY(-3px); border-color: var(--blue); box-shadow: var(--shadow-lg); }
.path-ico { flex: none; width: 44px; height: 44px; border-radius: 10px; display: grid; place-items: center; background: var(--sky-soft); color: var(--blue-700); }
.path-ico svg { width: 22px; height: 22px; }
.path small { display: block; font-family: var(--f-display); font-weight: 700; font-size: 12px; letter-spacing: .16em; color: var(--blue-700); }
.path strong { display: block; margin-top: 4px; font-family: var(--f-display); font-weight: 700; font-size: 16.5px; color: var(--ink); line-height: 1.25; }
.path .arr { position: absolute; top: 14px; right: 14px; width: 16px; height: 16px; color: #9aa6b8; transition: color .18s, transform .18s; }
.path:hover .arr { color: var(--blue); transform: translate(2px, -2px); }
.promise { margin-top: 30px; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--cream-2); }
.promise ul { list-style: none; margin: 0 auto; padding: 16px 24px; max-width: var(--wrap); display: flex; flex-wrap: wrap; justify-content: center; gap: 10px 40px; }
.promise li { display: inline-flex; align-items: center; gap: 9px; font-family: var(--f-display); font-weight: 600; font-size: 15.5px; color: var(--ink); }
.promise svg { width: 18px; height: 18px; color: var(--green); flex: none; }

/* ---------- programs ---------- */
.tabs { display: inline-flex; gap: 4px; padding: 5px; background: #fff; border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow); }
.tabs-center { display: flex; justify-content: center; margin-bottom: 44px; }
.tab { font-family: var(--f-display); font-weight: 700; font-size: 13.5px; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); background: none; border: 0; border-radius: 8px; padding: 13px 22px; cursor: pointer; transition: background .15s, color .15s; }
.tab:hover { color: var(--ink); }
.tab[aria-selected="true"] { background: var(--ink); color: #fff; }
.panel[hidden] { display: none; }
.panel-head { text-align: center; max-width: 760px; margin: 0 auto 36px; }
.panel-head h3 { font-size: clamp(26px, 2.6vw, 34px); font-weight: 800; margin-top: 10px; }
.panel-head p { margin-top: 12px; color: var(--muted); font-size: 17.5px; }
.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.card { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 26px 26px 22px; box-shadow: var(--shadow); transition: border-color .18s, box-shadow .18s, transform .18s; }
.card:hover { border-color: #bcd9f2; box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.card-ico { width: 46px; height: 46px; border-radius: 11px; display: grid; place-items: center; background: var(--ink); color: var(--sky); }
.card-ico svg { width: 22px; height: 22px; }
.card h4 { font-size: 21px; font-weight: 800; margin-top: 18px; }
.card .tagline { font-family: var(--f-display); font-weight: 600; font-size: 14px; color: var(--blue-700); margin-top: 4px; }
.pills { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 14px; }
.pill { font-family: var(--f-mono); font-size: 12.5px; font-weight: 600; color: var(--ink); background: var(--cream); border: 1px solid var(--line); border-radius: 999px; padding: 5px 11px; white-space: nowrap; }
.card p.desc { margin-top: 14px; font-size: 16px; color: var(--text); }
.ticks { list-style: none; padding: 0; margin: 16px 0 0; display: grid; gap: 8px; }
.ticks li { position: relative; padding-left: 26px; font-size: 15.5px; color: var(--text); line-height: 1.45; }
.ticks li::before { content: ""; position: absolute; left: 0; top: 4px; width: 16px; height: 16px; border-radius: 50%; background: var(--sky-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230b6bb0' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.2 4.2L19 7'/%3E%3C/svg%3E") center / 11px no-repeat; }
.card-link { margin-top: auto; padding-top: 20px; display: inline-flex; align-items: center; gap: 8px; font-family: var(--f-display); font-weight: 700; font-size: 14px; letter-spacing: .08em; text-transform: uppercase; color: var(--ink); text-decoration: none; align-self: flex-start; border-bottom: 2px solid var(--blue); padding-bottom: 3px; }
.card-link svg { width: 15px; height: 15px; transition: transform .15s; }
.card-link:hover svg { transform: translateX(3px); }
.card-feature { border-color: var(--blue); box-shadow: 0 0 0 3px var(--sky-soft), var(--shadow); }
.card-feature .card-ico { background: var(--blue); color: #fff; }
.flag { display: inline-block; margin-left: 8px; vertical-align: middle; font-family: var(--f-display); font-size: 11px; font-weight: 700; letter-spacing: .12em; color: #fff; background: var(--blue); border-radius: 4px; padding: 3px 7px; }
.disclaim { margin-top: 26px; text-align: center; max-width: 900px; margin-left: auto; margin-right: auto; }

/* JV steps strip inside panel */
.jv-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; background: var(--ink); color: #cfd8e6; border-radius: var(--radius); overflow: hidden; margin-bottom: 20px; }
.jv-steps > div { padding: 22px 24px; display: flex; gap: 14px; align-items: flex-start; }
.jv-steps > div + div { border-left: 1px solid rgba(255, 255, 255, .1); }
.jv-steps b { flex: none; width: 34px; height: 34px; border-radius: 50%; background: var(--blue); color: #fff; display: grid; place-items: center; font-family: var(--f-mono); font-size: 15px; }
.jv-steps h5 { margin: 0; font-family: var(--f-display); font-size: 17px; color: #fff; }
.jv-steps p { margin-top: 4px; font-size: 15px; color: #b9c5d8; }

/* ---------- stats band ---------- */
.stats-band { background: var(--cream-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.stats-band .wrap { display: grid; grid-template-columns: repeat(4, 1fr); }
.stat { padding: 40px 28px; }
.stat + .stat { border-left: 1px solid var(--line); }
.stat b { display: block; font-family: var(--f-mono); font-weight: 700; color: var(--ink); font-size: clamp(36px, 4vw, 54px); line-height: 1; letter-spacing: -.03em; white-space: nowrap; }
.stat strong { display: block; margin-top: 14px; font-family: var(--f-display); font-size: 16.5px; color: var(--ink); }
.stat span { display: block; margin-top: 2px; font-size: 15px; color: var(--muted); }

/* ---------- how it works ---------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; counter-reset: s; }
.step { background: rgba(255, 255, 255, .04); border: 1px solid rgba(255, 255, 255, .1); border-radius: var(--radius); padding: 26px 24px; position: relative; }
.step::after { content: ""; position: absolute; top: 44px; right: -18px; width: 18px; height: 1px; background: rgba(143, 208, 250, .35); }
.step:last-child::after { display: none; }
.step-top { display: flex; align-items: center; gap: 12px; }
.step-num { width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; background: var(--blue); color: #fff; font-family: var(--f-mono); font-weight: 700; }
.step-day { font-family: var(--f-mono); font-weight: 600; font-size: 14px; color: var(--sky); letter-spacing: .04em; }
.step h3 { margin-top: 18px; font-size: 20px; }
.step p { margin-top: 8px; font-size: 15.5px; color: #b9c5d8; }
.center-cta { text-align: center; margin-top: 44px; }
.center-cta p { margin-top: 12px; color: #93a2ba; font-size: 15px; }

/* ---------- calculators ---------- */
.calc { display: grid; grid-template-columns: 1fr 1fr; background: #fff; border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow-lg); overflow: hidden; }
.calc-in { padding: 34px 34px 30px; }
.calc-in h3 { font-size: 24px; font-weight: 800; }
.calc-in > p { margin-top: 6px; color: var(--muted); font-size: 15.5px; }
.fields { display: grid; gap: 16px; margin-top: 24px; }
.fields-2 { grid-template-columns: 1fr 1fr; }
.field label { display: block; font-family: var(--f-display); font-weight: 700; font-size: 12.5px; letter-spacing: .14em; text-transform: uppercase; color: var(--ink); margin-bottom: 7px; }
.inp { position: relative; }
.inp .pre, .inp .suf { position: absolute; top: 50%; transform: translateY(-50%); font-family: var(--f-mono); color: var(--muted); font-size: 15px; pointer-events: none; }
.inp .pre { left: 14px; }
.inp .suf { right: 14px; }
.inp input { width: 100%; font-family: var(--f-mono); font-size: 17px; font-weight: 600; color: var(--ink); background: var(--cream); border: 1.5px solid var(--line); border-radius: 10px; padding: 14px 14px 14px 30px; outline: none; transition: border-color .15s, background .15s; }
.inp input.nopre { padding-left: 14px; }
.inp input:focus { border-color: var(--blue); background: #fff; }
.calc-out { background: var(--navy-900); color: #cfd8e6; padding: 34px; display: flex; flex-direction: column; }
.out-label { font-family: var(--f-display); font-weight: 700; font-size: 12.5px; letter-spacing: .16em; text-transform: uppercase; color: var(--sky); }
.out-big { font-family: var(--f-mono); font-weight: 700; color: #fff; font-size: clamp(38px, 4vw, 52px); line-height: 1.05; margin-top: 8px; letter-spacing: -.03em; }
.out-note { margin-top: 10px; font-size: 15px; color: #b9c5d8; }
.out-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; margin-top: 26px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, .12); }
.out-row b { display: block; font-family: var(--f-mono); color: #fff; font-size: 23px; margin-top: 4px; }
.verdict { margin-top: 22px; display: flex; gap: 12px; align-items: flex-start; padding: 14px 16px; border-radius: 10px; font-size: 15.5px; line-height: 1.45; }
.verdict svg { width: 22px; height: 22px; flex: none; margin-top: 1px; }
.verdict.ok { background: rgba(31, 138, 91, .16); color: #b7f0d2; border: 1px solid rgba(31, 138, 91, .45); }
.verdict.warn { background: rgba(240, 169, 46, .12); color: #ffe0a3; border: 1px solid rgba(240, 169, 46, .4); }
.verdict.no { background: rgba(180, 50, 44, .16); color: #ffc9c4; border: 1px solid rgba(180, 50, 44, .45); }
.meter { margin-top: 22px; }
.meter-track { position: relative; height: 12px; border-radius: 999px; background: rgba(255, 255, 255, .1); overflow: visible; }
.meter-fill { height: 100%; border-radius: 999px; background: var(--blue); width: 0; transition: width .3s, background .3s; }
.meter-mark { position: absolute; top: -6px; bottom: -6px; width: 2px; background: #fff; }
.meter-mark span { position: absolute; top: -22px; left: 50%; transform: translateX(-50%); font-family: var(--f-mono); font-size: 12px; color: #fff; white-space: nowrap; }
.meter-scale { display: flex; justify-content: space-between; margin-top: 8px; font-family: var(--f-mono); font-size: 12px; color: #8696b0; }
.calc-out .btn { margin-top: auto; }
.calc-out .spacer { flex: 1; min-height: 24px; }
.calc-out .fine { margin-top: 14px; }

/* ---------- why ---------- */
.why { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border: 1px solid var(--line); border-radius: 18px; overflow: hidden; background: #fff; box-shadow: var(--shadow); }
.why > div { padding: 34px 32px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.why > div:nth-child(3n) { border-right: 0; }
.why > div:nth-last-child(-n+3) { border-bottom: 0; }
.why b { display: block; font-family: var(--f-mono); font-weight: 700; color: var(--blue-700); font-size: 34px; line-height: 1; letter-spacing: -.02em; }
.why h3 { margin-top: 18px; font-size: 20px; font-weight: 800; }
.why p { margin-top: 8px; font-size: 16px; color: var(--text); }

/* ---------- representative files ---------- */
.files { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.file { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); overflow: hidden; }
.file-top { padding: 22px 24px 18px; border-bottom: 1px dashed var(--line); }
.file-type { display: inline-block; font-family: var(--f-display); font-weight: 700; font-size: 12px; letter-spacing: .16em; text-transform: uppercase; color: #fff; background: var(--ink); border-radius: 4px; padding: 4px 8px; }
.file-loc { margin-top: 12px; font-family: var(--f-display); font-weight: 600; color: var(--muted); font-size: 15px; }
.file-amt { margin-top: 4px; font-family: var(--f-mono); font-weight: 700; color: var(--ink); font-size: 34px; letter-spacing: -.03em; }
.file dl { margin: 0; padding: 8px 24px 20px; display: grid; }
.file dl div { display: flex; justify-content: space-between; gap: 12px; padding: 11px 0; border-bottom: 1px solid var(--line-soft); }
.file dl div:last-child { border-bottom: 0; }
.file dt { color: var(--muted); font-size: 15px; }
.file dd { margin: 0; font-family: var(--f-mono); font-weight: 600; color: var(--ink); font-size: 15px; text-align: right; }

/* ---------- conditions ---------- */
.cond { display: grid; grid-template-columns: 1.25fr 1fr; gap: 56px; align-items: start; }
.cond h2 { font-size: clamp(30px, 3.4vw, 42px); font-weight: 800; margin-top: 12px; }
.cond .body p { margin-top: 18px; font-size: 18px; color: var(--text); }
.quick { display: grid; gap: 12px; }
.quick a { display: flex; align-items: center; justify-content: space-between; gap: 12px; padding: 18px 20px; background: #fff; border: 1px solid var(--line); border-radius: 12px; text-decoration: none; font-family: var(--f-display); font-weight: 700; color: var(--ink); font-size: 16.5px; box-shadow: var(--shadow); transition: border-color .15s, transform .15s; }
.quick a:hover { border-color: var(--blue); transform: translateX(3px); }
.quick a svg { width: 18px; height: 18px; color: var(--blue); }
.quick-title { font-family: var(--f-display); font-weight: 700; font-size: 13px; letter-spacing: .18em; text-transform: uppercase; color: var(--muted); margin-bottom: 4px; }

/* ---------- FAQ ---------- */
.faq { max-width: 880px; margin: 0 auto; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 12px; margin-bottom: 10px; box-shadow: 0 1px 2px rgba(15, 29, 54, .04); }
.faq summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 18px; padding: 20px 22px; font-family: var(--f-display); font-weight: 700; font-size: 17.5px; color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .pm { flex: none; width: 28px; height: 28px; border-radius: 50%; background: var(--sky-soft); color: var(--blue-700); display: grid; place-items: center; transition: transform .2s; }
.faq summary .pm svg { width: 14px; height: 14px; }
.faq details[open] summary .pm { transform: rotate(45deg); background: var(--blue); color: #fff; }
.faq .ans { padding: 0 22px 22px; color: var(--text); font-size: 16.5px; }
.faq-more { text-align: center; margin-top: 28px; color: var(--muted); }
.faq-more a { color: var(--blue-700); font-weight: 700; }

/* ---------- contact ---------- */
.contact { display: grid; grid-template-columns: 1fr 1.25fr; gap: 48px; align-items: center; }
.contact h2 { font-size: clamp(30px, 3.4vw, 42px); font-weight: 800; margin-top: 12px; }
.contact .lead { margin-top: 16px; font-size: 18px; color: #b9c5d8; }
.talk { margin-top: 28px; display: flex; align-items: center; gap: 16px; }
.talk-ico { width: 54px; height: 54px; border-radius: 50%; background: var(--blue); color: #fff; display: grid; place-items: center; flex: none; }
.talk-ico svg { width: 24px; height: 24px; }
.talk small { display: block; font-family: var(--f-display); font-weight: 700; font-size: 12px; letter-spacing: .18em; color: var(--sky); }
.talk a { font-family: var(--f-mono); font-weight: 700; font-size: 26px; color: #fff; text-decoration: none; }
.form-card { background: #fff; color: var(--text); border-radius: 18px; padding: 26px 28px 24px; box-shadow: var(--shadow-lg); }
.form-card h3 { font-size: 21px; font-weight: 800; }
.form-card > p { margin-top: 4px; color: var(--muted); font-size: 15px; }
.fgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 14px; margin-top: 18px; }
.fgrid .full { grid-column: 1 / -1; }
.fgrid label { display: block; font-family: var(--f-display); font-weight: 700; font-size: 12px; letter-spacing: .12em; text-transform: uppercase; color: var(--ink); margin-bottom: 5px; }
.fgrid input, .fgrid select { width: 100%; font: inherit; font-size: 16px; color: var(--ink); background: var(--cream); border: 1.5px solid var(--line); border-radius: 9px; padding: 11px 12px; outline: none; }
.fgrid select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230f1d36' stroke-width='2.4'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 16px; padding-right: 36px; }
.fgrid input:focus, .fgrid select:focus { border-color: var(--blue); background-color: #fff; }
.form-foot { display: flex; align-items: center; gap: 16px; margin-top: 16px; }
.form-foot .btn { flex: none; }
.form-foot .fine { font-size: 12.5px; }
.form-msg { margin-top: 12px; font-size: 15px; font-weight: 600; display: none; }
.form-msg.show { display: block; }
.form-msg.ok { color: var(--green); }
.form-msg.err { color: var(--red); }

/* ---------- terms ---------- */
.terms { max-width: 980px; margin: 0 auto; }
.terms h2 { font-size: clamp(26px, 2.8vw, 34px); font-weight: 800; margin-top: 10px; }
.terms > p { margin-top: 12px; color: var(--muted); }
.terms ul { margin: 22px 0 0; padding: 0; list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.terms li { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 18px 20px; font-size: 15.5px; color: var(--text); }
.terms li b { display: block; font-family: var(--f-display); color: var(--ink); font-size: 15px; margin-bottom: 4px; }

/* ---------- footer ---------- */
.footer { background: var(--navy-950); color: #9fadc3; font-size: 15px; }
.footer .wrap { padding-top: 64px; padding-bottom: 28px; }
.f-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1fr; gap: 40px; }
.f-brand img { height: 44px; width: auto; background: #fff; border-radius: 8px; padding: 6px 10px; }
.f-brand p { margin-top: 18px; max-width: 330px; }
.f-contact { margin-top: 20px; display: grid; gap: 6px; }
.f-contact a { color: #fff; text-decoration: none; font-weight: 600; }
.f-contact a.ph { font-family: var(--f-mono); font-size: 20px; }
.footer h4 { color: #fff; font-family: var(--f-display); font-size: 13px; letter-spacing: .18em; text-transform: uppercase; margin-bottom: 14px; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.footer ul a { color: #9fadc3; text-decoration: none; }
.footer ul a:hover { color: #fff; }
.f-legal { margin-top: 48px; padding-top: 22px; border-top: 1px solid rgba(255, 255, 255, .1); font-size: 13px; color: #7d8ca5; line-height: 1.6; }
.f-bottom { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px; margin-top: 14px; font-size: 13px; color: #7d8ca5; }
.f-bottom a { color: #9fadc3; text-decoration: none; }

/* ---------- mobile sticky bar ---------- */
.mbar { display: none; }

/* ---------- reveal ---------- */
.rv { opacity: 0; transform: translateY(14px); transition: opacity .6s ease, transform .6s ease; }
.rv.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .rv { opacity: 1; transform: none; transition: none; } html { scroll-behavior: auto; } }

/* ---------- responsive ---------- */
@media (max-width: 1180px) {
  .nav a { padding: 10px 8px; font-size: 12.5px; letter-spacing: .08em; }
  .help-grid { grid-template-columns: repeat(3, 1fr); }
  .phone-block { padding: 11px 12px; font-size: 14px; }
}
@media (max-width: 1100px) {
  .site-header .wrap { min-height: 72px; }
  .brand img { height: 40px; }
  .nav, .header-cta .phone-block { display: none; }
  .header-cta { margin-left: auto; }
  .menu-toggle { display: block; margin-left: 0; }
  .nav.open { display: flex; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; align-items: stretch; background: #fff; border-bottom: 1px solid var(--line); padding: 10px 16px 16px; box-shadow: var(--shadow-lg); }
  .nav.open a { padding: 14px 10px; font-size: 15px; border-bottom: 1px solid var(--line-soft); }
  .hero-photo { width: 100%; opacity: .45; }
  .hero-photo::after { background: linear-gradient(180deg, rgba(11, 26, 51, .7), var(--navy-900) 85%); }
  .cards, .files { grid-template-columns: 1fr 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .step::after { display: none; }
  .calc { grid-template-columns: 1fr; }
  .why { grid-template-columns: 1fr 1fr; }
  .why > div { border-right: 1px solid var(--line) !important; border-bottom: 1px solid var(--line) !important; }
  .why > div:nth-child(2n) { border-right: 0 !important; }
  .cond, .contact { grid-template-columns: 1fr; gap: 36px; }
  .f-grid { grid-template-columns: 1fr 1fr; }
  .stats-band .wrap { grid-template-columns: 1fr 1fr; padding: 0; }
  .stat:nth-child(3) { border-left: 0; }
  .stat:nth-child(n+3) { border-top: 1px solid var(--line); }
}
@media (max-width: 720px) {
  body { font-size: 16px; padding-bottom: 64px; }
  .wrap { padding: 0 16px; }
  .topbar .tb-right { display: none; }
  .topbar .wrap { justify-content: center; }
  .apply-block { padding: 12px 14px; font-size: 12.5px; }
  .brand img { height: 34px; }
  .sec { padding: 68px 0; }
  .hero .wrap { padding-top: 48px; padding-bottom: 44px; }
  .hero-eyebrow { font-size: 12px; letter-spacing: .14em; }
  .hero-lead { font-size: 17.5px; }
  .hero-stats { grid-template-columns: 1fr 1fr; }
  .hero-stats > div { padding: 18px 12px 4px 0 !important; border-left: 0 !important; }
  .hero-stats b { font-size: 24px; }
  .help-grid, .cards, .files, .steps, .why, .terms ul, .jv-steps { grid-template-columns: 1fr; }
  .jv-steps > div + div { border-left: 0; border-top: 1px solid rgba(255, 255, 255, .1); }
  .why > div { border-right: 0 !important; }
  .why > div:last-child { border-bottom: 0 !important; }
  .tabs { width: 100%; }
  .tab { flex: 1; padding: 12px 6px; font-size: 11.5px; letter-spacing: .08em; }
  .calc-in, .calc-out { padding: 24px 20px; }
  .fields-2 { grid-template-columns: 1fr; }
  .fgrid { grid-template-columns: 1fr; }
  .form-foot { flex-direction: column; align-items: stretch; }
  .stat { padding: 26px 16px; }
  .f-grid { grid-template-columns: 1fr; gap: 30px; }
  .mbar { display: grid; grid-template-columns: 1fr 1fr; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60; box-shadow: 0 -6px 20px rgba(7, 18, 38, .25); }
  .mbar a { display: flex; align-items: center; justify-content: center; gap: 8px; min-height: 58px; font-family: var(--f-display); font-weight: 700; font-size: 14px; letter-spacing: .1em; text-transform: uppercase; text-decoration: none; }
  .mbar a svg { width: 18px; height: 18px; }
  .mbar .m-call { background: var(--ink); color: #fff; }
  .mbar .m-apply { background: var(--blue); color: #fff; }
}
.anchor { position: absolute; top: 0; }

/* --- pass 2 fixes --- */
.site-header .wrap { max-width: 1320px; }
.nav a { white-space: nowrap; letter-spacing: .08em; padding: 10px 10px; }
.hero h1 { font-size: clamp(38px, 4.3vw, 58px); }
.hero-copy { max-width: 760px; }
.form-card h3 { color: var(--ink); }
.cond .body p.fine { font-size: 13.5px; color: var(--muted); }
.talk small { text-transform: uppercase; }
.pill { font-size: 12px; padding: 4px 10px; }
@media (max-width: 1240px) { .nav a { font-size: 12.5px; padding: 10px 7px; letter-spacing: .06em; } .brand img { height: 40px; } .phone-block { font-size: 14px; padding: 11px 12px; } }
.calc > * { min-width: 0; }
@media (max-width: 1100px) { .calc { grid-template-columns: minmax(0, 1fr); } }
@media (max-width: 720px) {
  .site-header .wrap { gap: 10px; padding: 0 12px; }
  .brand img { height: 30px; }
  .apply-block { padding: 11px 12px; font-size: 12px; letter-spacing: .08em; }
  .menu-toggle { padding: 6px; }
  .stat b { font-size: 27px; }
  .stat strong { font-size: 15px; }
  .hero h1 { font-size: 36px; }
  .out-big { font-size: 38px; }
}

/* =====================================================================
   Sub-pages: program pages, application hub, one-page applications
   ===================================================================== */
.panel-more { margin-top: 14px !important; }
.panel-more a { display: inline-flex; align-items: center; gap: 8px; font-family: var(--f-display); font-weight: 700; font-size: 14px; letter-spacing: .08em; text-transform: uppercase; color: var(--blue-700); text-decoration: none; border-bottom: 2px solid var(--blue); padding-bottom: 2px; }
.panel-more svg { width: 15px; height: 15px; }

.page-hero { position: relative; background: var(--navy-900); color: #d3dbe8; overflow: hidden; }
.page-hero::before { content: ""; position: absolute; inset: 0; background: radial-gradient(900px 420px at 0% -10%, rgba(30, 155, 240, .22), transparent 60%), radial-gradient(700px 380px at 110% 120%, rgba(143, 208, 250, .10), transparent 60%); pointer-events: none; }
.page-hero .wrap { position: relative; padding-top: 64px; padding-bottom: 56px; }
.crumbs { font-size: 14px; color: #93a2ba; margin-bottom: 18px; }
.crumbs a { color: #c7d1e0; text-decoration: none; }
.crumbs a:hover { color: #fff; }
.crumbs span { margin: 0 8px; opacity: .6; }
.page-hero h1 { color: #fff; font-weight: 800; font-size: clamp(34px, 4vw, 52px); line-height: 1.05; letter-spacing: -.025em; margin-top: 14px; max-width: 900px; }
.page-hero h1 .hl { color: var(--sky); }
.page-hero .lead { margin-top: 18px; font-size: 19px; line-height: 1.6; max-width: 760px; color: #d3dbe8; }
.page-hero .lead strong { color: #fff; }
.page-hero .hero-cta { margin-top: 28px; }
.page-hero .hero-stats { max-width: 900px; margin-top: 40px; }

.spec { background: #fff; border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow); overflow: hidden; }
.spec-row { display: grid; grid-template-columns: 260px 1fr; border-bottom: 1px solid var(--line-soft); }
.spec-row:last-child { border-bottom: 0; }
.spec-row dt { padding: 16px 24px; font-family: var(--f-display); font-weight: 700; font-size: 14px; letter-spacing: .08em; text-transform: uppercase; color: var(--ink); background: var(--cream); }
.spec-row dd { margin: 0; padding: 16px 24px; font-size: 16.5px; color: var(--text); }
.spec-row dd .mono { font-weight: 600; color: var(--ink); }
.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.fit { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; box-shadow: var(--shadow); }
.fit h3 { font-size: 20px; font-weight: 800; }
.fit.no .ticks li::before { background: #fdecea url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23b4322c' stroke-width='3.2' stroke-linecap='round'%3E%3Cpath d='M7 7l10 10M17 7L7 17'/%3E%3C/svg%3E") center / 10px no-repeat; }
.cards-2 { grid-template-columns: repeat(2, 1fr); }
.cards-4 { grid-template-columns: repeat(4, 1fr); }
.mini { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); }
.mini .card-ico { margin-bottom: 14px; }
.mini h3 { font-size: 19px; font-weight: 800; }
.mini p { margin-top: 8px; font-size: 15.5px; color: var(--text); }
.callout { display: flex; gap: 18px; align-items: flex-start; background: var(--sky-soft); border: 1px solid #bfe2fb; border-radius: var(--radius); padding: 22px 24px; }
.callout svg { width: 26px; height: 26px; flex: none; color: var(--blue-700); }
.callout h3 { font-size: 18px; font-weight: 800; }
.callout p { margin-top: 4px; font-size: 16px; }
.cta-band { background: var(--ink); border-radius: 20px; padding: 40px 44px; display: flex; align-items: center; justify-content: space-between; gap: 28px; color: #cfd8e6; }
.cta-band h2 { color: #fff; font-size: clamp(24px, 2.6vw, 32px); font-weight: 800; }
.cta-band p { margin-top: 6px; color: #b9c5d8; }
.cta-band .acts { display: flex; gap: 12px; flex-wrap: wrap; flex: none; }

/* ----- application hub ----- */
.hub { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.hub a.app { display: flex; flex-direction: column; background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 26px; text-decoration: none; color: inherit; box-shadow: var(--shadow); transition: transform .18s, border-color .18s, box-shadow .18s; }
.hub a.app:hover { transform: translateY(-3px); border-color: var(--blue); box-shadow: var(--shadow-lg); }
.hub .app h3 { margin-top: 16px; font-size: 21px; font-weight: 800; }
.hub .app .tagline { font-family: var(--f-display); font-weight: 600; font-size: 14px; color: var(--blue-700); margin-top: 4px; }
.hub .app p { margin-top: 10px; font-size: 15.5px; color: var(--text); }
.hub .app .meta { margin-top: auto; padding-top: 18px; display: flex; justify-content: space-between; align-items: center; font-family: var(--f-display); font-weight: 700; font-size: 13.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--ink); }
.hub .app .meta span { font-family: var(--f-mono); font-weight: 600; letter-spacing: 0; text-transform: none; color: var(--muted); font-size: 13px; }
.hub .app .meta svg { width: 16px; height: 16px; color: var(--blue); }
.hub .app.call { background: var(--ink); color: #cfd8e6; border-color: var(--ink); }
.hub .app.call h3 { color: #fff; }
.hub .app.call p { color: #b9c5d8; }
.hub .app.call .meta { color: #fff; }

/* ----- one-page application ----- */
.app-wrap { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: 32px; align-items: start; }
.app-form { background: #fff; border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow-lg); padding: 8px 32px 30px; }
.app-form fieldset { border: 0; margin: 0; padding: 26px 0 6px; border-bottom: 1px solid var(--line-soft); min-width: 0; }
.app-form fieldset:last-of-type { border-bottom: 0; }
.app-form legend { float: left; width: 100%; padding: 0; margin-bottom: 16px; display: flex; align-items: center; gap: 12px; font-family: var(--f-display); font-weight: 800; font-size: 19px; color: var(--ink); }
.app-form legend b { width: 30px; height: 30px; border-radius: 50%; background: var(--ink); color: #fff; display: grid; place-items: center; font-family: var(--f-mono); font-size: 14px; flex: none; }
.app-form legend + * { clear: both; }
.g { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 14px 16px; }
.g-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.g .full { grid-column: 1 / -1; }
.f label, .f .lbl { display: block; font-family: var(--f-display); font-weight: 700; font-size: 12.5px; letter-spacing: .1em; text-transform: uppercase; color: var(--ink); margin-bottom: 6px; }
.f label .opt { font-family: var(--f-body); font-weight: 400; letter-spacing: 0; text-transform: none; color: var(--muted); }
.f input, .f select, .f textarea { width: 100%; font: inherit; font-size: 16px; color: var(--ink); background: var(--cream); border: 1.5px solid var(--line); border-radius: 9px; padding: 12px 13px; outline: none; transition: border-color .15s, background .15s; }
.f textarea { min-height: 96px; resize: vertical; }
.f select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230f1d36' stroke-width='2.4'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 12px center; background-size: 16px; padding-right: 36px; }
.f input:focus, .f select:focus, .f textarea:focus { border-color: var(--blue); background-color: #fff; }
.f input[data-money] { font-family: var(--f-mono); font-weight: 600; }
.f .money { position: relative; }
.f .money::before { content: "$"; position: absolute; left: 13px; top: 50%; transform: translateY(-50%); font-family: var(--f-mono); color: var(--muted); }
.f .money input { padding-left: 28px; }
.f.invalid input, .f.invalid select { border-color: var(--red); background: #fff6f5; }
.seg { display: flex; flex-wrap: wrap; gap: 8px; }
.seg label { margin: 0; cursor: pointer; }
.seg input { position: absolute; opacity: 0; pointer-events: none; }
.seg span { display: inline-flex; align-items: center; gap: 8px; padding: 12px 16px; border: 1.5px solid var(--line); border-radius: 10px; background: var(--cream); font-family: var(--f-display); font-weight: 700; font-size: 14px; letter-spacing: .02em; text-transform: none; color: var(--ink); transition: background .15s, border-color .15s, color .15s; }
.seg input:checked + span { background: var(--ink); border-color: var(--ink); color: #fff; }
.seg input:focus-visible + span { outline: 3px solid var(--sky); outline-offset: 2px; }
.seg-lg span { padding: 16px 20px; font-size: 15.5px; }
.seg-lg span small { display: block; font-family: var(--f-body); font-weight: 400; font-size: 13px; color: var(--muted); }
.seg-lg input:checked + span small { color: #b9c5d8; }
.seg-lg span { flex-direction: column; align-items: flex-start; gap: 2px; }
.checks { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px 16px; }
.checks label { display: flex; gap: 10px; align-items: center; font-family: var(--f-body); font-weight: 600; font-size: 15.5px; letter-spacing: 0; text-transform: none; color: var(--text); cursor: pointer; margin: 0; }
.checks input { width: 18px; height: 18px; accent-color: var(--blue); flex: none; }
[data-when][hidden] { display: none !important; }
.live { margin-top: 14px; }
.live .verdict { margin-top: 0; }
.live .verdict.ok { background: #e9f7f0; color: #145c3c; border-color: #a9dcc2; }
.live .verdict.no { background: #fdecea; color: #8a241f; border-color: #f0b7b2; }
.live .verdict.warn { background: #fff6e5; color: #7a4a00; border-color: #f3d39a; }
.consent { margin-top: 20px; display: flex; gap: 12px; align-items: flex-start; font-size: 14px; color: var(--muted); }
.consent input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--blue); flex: none; }
.submit-row { margin-top: 20px; display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.submit-row .fine { flex: 1; min-width: 220px; }
.app-side { position: sticky; top: 108px; display: grid; gap: 16px; }
.side-card { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 22px; box-shadow: var(--shadow); }
.side-card h3 { font-size: 17px; font-weight: 800; }
.side-card .ticks { margin-top: 12px; }
.side-card.dark { background: var(--ink); border-color: var(--ink); color: #cfd8e6; }
.side-card.dark h3 { color: #fff; }
.side-card.dark a.ph { display: block; margin-top: 8px; font-family: var(--f-mono); font-weight: 700; font-size: 22px; color: #fff; text-decoration: none; }
.side-card.dark p { margin-top: 6px; font-size: 14.5px; color: #b9c5d8; }
.done { display: none; text-align: center; padding: 48px 24px; }
.done.show { display: block; }
.done .big { width: 64px; height: 64px; margin: 0 auto; border-radius: 50%; background: #e9f7f0; color: var(--green); display: grid; place-items: center; }
.done .big svg { width: 34px; height: 34px; }
.done h2 { margin-top: 18px; font-size: 28px; font-weight: 800; }
.done p { margin-top: 10px; color: var(--muted); font-size: 17px; }

@media (max-width: 1100px) {
  .app-wrap { grid-template-columns: minmax(0, 1fr); }
  .app-side { position: static; grid-template-columns: 1fr 1fr; }
  .hub { grid-template-columns: 1fr 1fr; }
  .cards-4 { grid-template-columns: 1fr 1fr; }
  .cta-band { flex-direction: column; align-items: flex-start; }
}
@media (max-width: 720px) {
  .app-form { padding: 4px 18px 22px; }
  .g, .g-3, .checks, .two-col, .cards-2, .cards-4, .hub, .app-side { grid-template-columns: minmax(0, 1fr); }
  .spec-row { grid-template-columns: 1fr; }
  .spec-row dt { padding: 12px 18px 4px; background: #fff; color: var(--blue-700); font-size: 12.5px; }
  .spec-row dd { padding: 0 18px 14px; }
  .seg span { padding: 11px 13px; font-size: 13.5px; }
  .cta-band { padding: 28px 22px; }
  .page-hero .wrap { padding-top: 44px; }
}
.seg input { width: 1px !important; height: 1px; padding: 0 !important; }
.steps-3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 1100px) { .steps-3 { grid-template-columns: 1fr 1fr 1fr; } }
@media (max-width: 720px) {
  .steps-3 { grid-template-columns: 1fr; }
  .btn { white-space: normal; text-align: center; }
  .cta-band .acts, .cta-band .acts .btn { width: 100%; }
  .page-hero .hero-cta .btn { width: 100%; }
}
.sec-cream .step, .sec-white .step { background: #fff; border-color: var(--line); box-shadow: var(--shadow); }
.sec-cream .step h3, .sec-white .step h3 { color: var(--ink); }
.sec-cream .step p, .sec-white .step p { color: var(--text); }
.sec-cream .step-day, .sec-white .step-day { color: var(--blue-700); }
.sec-cream .step::after, .sec-white .step::after { background: var(--line); }
.nav a[aria-current="page"] { color: var(--blue-700); box-shadow: inset 0 -2px 0 var(--blue); border-radius: 0; }
.trust-badge { display: inline-flex; align-items: center; gap: 8px; padding: 9px 14px; border: 1px solid rgba(143, 208, 250, .4); border-radius: 999px; background: rgba(143, 208, 250, .08); font-family: var(--f-display); font-weight: 600; font-size: 14px; color: #e3eefb; }
.trust-badge svg { width: 17px; height: 17px; color: var(--sky); }
.page-hero h1 .hl.sub { display: block; margin-top: 6px; font-size: .62em; }
.card h3.h4 { font-size: 21px; font-weight: 800; margin-top: 18px; }

/* ---------- v6: DC hero, stat dividers + count-up, page-hero photos, log in, AI chat ---------- */
.hero-photo { width: 62%; }
.hero-stats b::after, .stat b::after { content: ""; display: block; width: 100%; max-width: 120px; height: 2px; margin: 12px 0 0; background: linear-gradient(90deg, var(--blue), rgba(30,155,240,0)); transform-origin: left; transform: scaleX(0); transition: transform .9s cubic-bezier(.2,.7,.2,1) .15s; }
.stat b::after { margin-top: 16px; max-width: 150px; height: 3px; }
.hero-stats.counted b::after, .stat.counted b::after { transform: scaleX(1); }
.hero-stats span { margin-top: 10px; }
.stat strong { margin-top: 12px; }
.hero-stats b, .stat b { font-variant-numeric: tabular-nums; }
@media (prefers-reduced-motion: reduce) { .hero-stats b::after, .stat b::after { transform: none; transition: none; } }

.page-hero.ph-photo { background-color: var(--navy-900); background-position: center; background-size: cover; background-repeat: no-repeat; }
.page-hero.ph-photo::before { background: linear-gradient(90deg, rgba(11,26,51,.97) 0%, rgba(11,26,51,.9) 42%, rgba(11,26,51,.62) 75%, rgba(11,26,51,.45) 100%), radial-gradient(900px 420px at 0% -10%, rgba(30,155,240,.22), transparent 60%); }
@media (max-width: 720px) { .page-hero.ph-photo::before { background: linear-gradient(180deg, rgba(11,26,51,.88), rgba(11,26,51,.96)); } }

.nav a.nav-login { display: inline-flex; align-items: center; gap: 7px; margin-left: 6px; border: 1.5px solid #cfd6e2; padding: 9px 12px; }
.nav a.nav-login svg { width: 15px; height: 15px; color: var(--blue); }
.nav a.nav-login:hover { border-color: var(--ink); }
@media (max-width: 1100px) { .nav.open a.nav-login { margin: 10px 0 0; justify-content: center; border-radius: 8px; } }

/* login page */
.login-wrap { min-height: calc(100vh - 320px); display: grid; place-items: center; background: var(--cream); padding: 64px 18px; }
.login-card { width: min(440px, 100%); background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--blue); border-radius: 12px; padding: 34px 30px; display: grid; gap: 16px; box-shadow: var(--shadow-lg); }
.login-card h1 { font-family: var(--f-display); font-size: 32px; font-weight: 800; color: var(--ink); letter-spacing: -.02em; }
.login-card label { display: grid; gap: 6px; font-weight: 600; font-size: 14.5px; color: var(--ink); }
.login-card input { width: 100%; font: inherit; font-size: 16px; padding: 12px 14px; border: 1.5px solid #cfd6e2; border-radius: 8px; }
.login-card input:focus { outline: 2px solid var(--blue); border-color: var(--blue); }
.login-card .btn { width: 100%; justify-content: center; }
.login-card .row2 { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: 13.5px; color: var(--muted); }
.login-card .lg-link { background: none; border: 0; padding: 0; font: inherit; color: var(--blue-700); cursor: pointer; text-decoration: underline; }
.login-card .note { font-size: 14px; padding: 12px 14px; background: var(--sky-soft); border-radius: 8px; color: var(--ink); }
.login-card .note.bad { background: #fdecec; color: #a02020; }

/* AI chat */
.rlc-btn { position: fixed; right: max(18px, env(safe-area-inset-right)); bottom: max(18px, env(safe-area-inset-bottom)); z-index: 70; display: flex; align-items: center; gap: 10px; background: var(--navy-900); color: #fff; border: 1px solid rgba(143,208,250,.45); border-radius: 999px; padding: 12px 20px 12px 14px; font: 700 15px/1 var(--f-display); letter-spacing: .02em; cursor: pointer; box-shadow: 0 14px 34px -10px rgba(7,18,38,.6); transition: transform .15s, opacity .15s, background .15s; }
.rlc-btn:hover { background: #12284d; transform: translateY(-2px); }
.rlc-btn .rlc-ico { position: relative; display: grid; place-items: center; width: 34px; height: 34px; border-radius: 50%; background: var(--blue); }
.rlc-btn .rlc-ico svg { width: 19px; height: 19px; color: #fff; }
.rlc-btn .rlc-ico::after { content: ""; position: absolute; right: -1px; top: -1px; width: 10px; height: 10px; border-radius: 50%; background: #3ddc84; border: 2px solid var(--navy-900); }
.rlc-btn.rlc-dodge { opacity: 0; pointer-events: none; transform: translateY(14px); }
.rlc { position: fixed; right: max(18px, env(safe-area-inset-right)); bottom: max(18px, env(safe-area-inset-bottom)); z-index: 71; width: min(400px, calc(100vw - 24px)); height: min(600px, calc(100vh - 110px)); display: flex; flex-direction: column; background: #fff; color: var(--ink); border: 1px solid var(--line); border-radius: 14px; overflow: hidden; box-shadow: 0 30px 70px -20px rgba(7,18,38,.6); font: 15px/1.5 var(--f-body, "Source Sans 3", system-ui, sans-serif); }
.rlc[hidden], .rlc-btn[hidden], .rlc-lead[hidden] { display: none !important; }
.rlc-h { display: flex; align-items: center; gap: 10px; background: var(--navy-900); color: #fff; padding: 14px 16px; }
.rlc-h .rlc-av { width: 36px; height: 36px; border-radius: 50%; background: var(--blue); display: grid; place-items: center; flex: none; }
.rlc-h .rlc-av svg { width: 19px; height: 19px; color: #fff; }
.rlc-h b { font: 800 16px/1.2 var(--f-display); }
.rlc-h small { display: block; color: var(--sky); font-size: 11.5px; letter-spacing: .12em; text-transform: uppercase; margin-top: 3px; }
.rlc-h .rlc-clr { margin-left: auto; font: 700 11.5px/1 var(--f-display); letter-spacing: .08em; text-transform: uppercase; border: 1px solid rgba(143,208,250,.5); color: var(--sky); border-radius: 6px; padding: 7px 10px; background: none; cursor: pointer; }
.rlc-h .rlc-x { background: none; border: 0; color: #fff; font-size: 24px; line-height: 1; cursor: pointer; padding: 2px 6px; }
.rlc-log { flex: 1; overflow-y: auto; padding: 16px; display: flex; flex-direction: column; gap: 10px; background: var(--cream); }
.rlc-m { max-width: 88%; padding: 10px 13px; border-radius: 12px; white-space: pre-wrap; overflow-wrap: anywhere; }
.rlc-m.a { background: #fff; border: 1px solid var(--line); align-self: flex-start; border-bottom-left-radius: 4px; }
.rlc-m.u { background: var(--navy-900); color: #fff; align-self: flex-end; border-bottom-right-radius: 4px; }
.rlc-m a { color: var(--blue-700); font-weight: 700; }
.rlc-m.typing { color: var(--muted); font-style: italic; }
.rlc-chips { display: flex; flex-wrap: wrap; gap: 6px; }
.rlc-chips button { font: inherit; font-size: 13.5px; background: #fff; border: 1px solid var(--blue); color: var(--ink); border-radius: 999px; padding: 6px 12px; cursor: pointer; }
.rlc-chips button:hover { background: var(--sky-soft); }
.rlc-f { display: flex; gap: 8px; padding: 10px; border-top: 1px solid var(--line); background: #fff; }
.rlc-f textarea { flex: 1; resize: none; font: inherit; border: 1.5px solid #cfd6e2; border-radius: 8px; padding: 9px 10px; height: 44px; color: var(--ink); }
.rlc-f button { background: var(--blue); color: #fff; border: 0; border-radius: 8px; font: 700 14px/1 var(--f-display); padding: 0 16px; cursor: pointer; }
.rlc-f button[disabled] { opacity: .5; cursor: default; }
.rlc-bar { display: flex; justify-content: space-between; align-items: center; gap: 8px; padding: 8px 12px; font-size: 12px; color: var(--muted); border-top: 1px solid var(--line); background: #fff; }
.rlc-bar button { font: 700 12.5px/1 var(--f-display); background: none; border: 1.5px solid var(--ink); color: var(--ink); border-radius: 6px; padding: 7px 10px; cursor: pointer; white-space: nowrap; }
.rlc-lead { padding: 14px 16px; display: grid; gap: 10px; background: #fff; border-top: 1px solid var(--line); }
.rlc-lead input { font: inherit; border: 1.5px solid #cfd6e2; border-radius: 8px; padding: 9px 10px; }
.rlc-lead .row { display: flex; gap: 8px; }
.rlc-lead .row button { flex: 1; font: 700 14px/1 var(--f-display); padding: 11px; cursor: pointer; border: 1.5px solid var(--ink); background: #fff; color: var(--ink); border-radius: 8px; }
.rlc-lead .row button.go { background: var(--blue); border-color: var(--blue); color: #fff; }
.rlc-lead p { font-size: 12.5px; color: var(--muted); }
@media (max-width: 720px) {
  .rlc-btn { bottom: calc(58px + 14px + env(safe-area-inset-bottom)); padding: 8px; }
  .rlc-btn .rlc-lb { display: none; }
  .rlc { right: 0; left: 0; bottom: 0; width: 100%; height: calc(100vh - 60px); height: calc(100dvh - 60px); border-radius: 14px 14px 0 0; }
}
@media (prefers-reduced-motion: no-preference) { .rlc { animation: rlcIn .18s ease-out; } @keyframes rlcIn { from { transform: translateY(12px); opacity: 0; } } }
@media (max-width: 1420px) and (min-width: 1101px) { .header-cta .phone-block { display: none; } }
/* v7: smaller headlines on laptops */
.hero h1 { font-size: clamp(34px, 3.4vw, 48px); margin: 16px 0 20px; }
.hero-lead { font-size: 18px; }
.page-hero h1 { font-size: clamp(32px, 3.1vw, 44px); }
.page-hero .lead { font-size: 18px; }
@media (max-width: 720px) { .hero h1 { font-size: 34px; } .page-hero h1 { font-size: 32px; } .hero-lead, .page-hero .lead { font-size: 17px; } }
/* v8: hero headline lines, smaller eyebrow + lead on desktop */
.hero h1 .h1-line { display: block; }
@media (min-width: 721px) {
  .hero-eyebrow { font-size: 12px; letter-spacing: .18em; }
  .hero-lead { font-size: 16.5px; max-width: 580px; }
}