@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:wght@600;700&family=Manrope:wght@400;500;600;700&display=swap');

:root {
  --navy: #061f34;
  --navy-2: #0b2b44;
  --ink: #132234;
  --gold: #d5a226;
  --gold-2: #ecbb3b;
  --cream: #f4efe7;
  --paper: #ffffff;
  --muted: #6e7680;
  --shadow: 0 20px 55px rgba(12, 35, 53, .14);
  --serif: "Cormorant Garamond", Georgia, serif;
  --sans: "Manrope", Arial, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: #fff; font-family: var(--sans); line-height: 1.55; overflow-x: hidden; }
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
button, input { font: inherit; }
.shell { width: min(1180px, calc(100% - 48px)); margin-inline: auto; }
.svg-defs { width: 0; height: 0; position: absolute; overflow: hidden; }

h1, h2, h3 { font-family: var(--serif); margin: 0; line-height: 1.03; }
h2 { font-size: clamp(2.5rem, 4.3vw, 4.15rem); letter-spacing: -.02em; }
.section-kicker { margin: 0 0 12px; color: var(--gold); text-transform: uppercase; letter-spacing: .16em; font-size: .74rem; font-weight: 700; }
.section-kicker--light { color: #e7b437; }

.btn { display: inline-flex; align-items: center; justify-content: center; gap: 14px; min-height: 54px; padding: 0 18px 0 24px; border-radius: 999px; font-weight: 700; font-size: .92rem; white-space: nowrap; border: 1px solid transparent; transition: transform .2s ease, box-shadow .2s ease, background .2s ease; }
.btn:hover { transform: translateY(-2px); }
.btn--gold { background: linear-gradient(135deg, var(--gold-2), var(--gold)); color: #0a263d; box-shadow: 0 8px 24px rgba(217, 165, 40, .22); }
.btn--gold:hover { box-shadow: 0 12px 30px rgba(217, 165, 40, .32); }
.btn--outline { color: white; border-color: rgba(255,255,255,.65); background: rgba(3, 24, 40, .15); backdrop-filter: blur(8px); }
.btn--navy { color: white; background: var(--navy); }
.btn__icon { width: 34px; height: 34px; border-radius: 50%; display: grid; place-items: center; border: 1px solid currentColor; }
.btn__icon svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

.hero { position: relative; min-height: 745px; color: white; background: var(--navy); isolation: isolate; overflow: hidden; }
.hero__media { position: absolute; inset: 0 0 0 38%; background: url('assets/images/hero-house.jpg') center 60% / cover no-repeat; z-index: -3; }
.hero__media::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(3,23,38,.04), rgba(3,23,38,.18)); }
.hero__shade { position: absolute; inset: 0; z-index: -2; background: linear-gradient(90deg, #041c30 0%, rgba(4,28,48,.96) 33%, rgba(4,28,48,.55) 57%, rgba(4,28,48,.12) 100%); }
.nav { height: 92px; display: grid; grid-template-columns: 210px 1fr auto; align-items: center; gap: 30px; border-bottom: 1px solid rgba(255,255,255,.08); position: relative; z-index: 3; }
.brand img { width: auto; height: 74px; }
.nav__links { justify-self: center; display: flex; align-items: center; gap: 30px; font-size: .87rem; }
.nav__links > a { position: relative; color: rgba(255,255,255,.92); }
.nav__links > a::after { content:""; position:absolute; left:0; right:0; bottom:-11px; height:2px; background:var(--gold); transform:scaleX(0); transform-origin:left; transition:.2s ease; }
.nav__links > a:hover::after, .nav__links > a.active::after { transform: scaleX(1); }
.nav__links > a.active { color: var(--gold-2); }

.nav__item { position: relative; }
.nav__trigger { position: relative; display: flex; align-items: center; gap: 6px; background: none; border: 0; padding: 0; margin: 0; font: inherit; font-size: .87rem; color: rgba(255,255,255,.92); cursor: pointer; }
.nav__trigger::after { content:""; position:absolute; left:0; right:0; bottom:-11px; height:2px; background:var(--gold); transform:scaleX(0); transform-origin:left; transition:.2s ease; }
.nav__item:hover .nav__trigger::after, .nav__item.open .nav__trigger::after, .nav__item.active .nav__trigger::after { transform: scaleX(1); }
.nav__item.active .nav__trigger { color: var(--gold-2); }
.nav__chevron { width: 12px; height: 12px; fill: none; stroke: currentColor; stroke-width: 2.3; transition: transform .2s ease; }
.nav__item:hover .nav__chevron, .nav__item.open .nav__chevron { transform: rotate(180deg); }

.nav__dropdown { position: absolute; top: 100%; left: 50%; transform: translateX(-50%) translateY(4px); min-width: 230px; margin-top: 14px; background: var(--navy-2); border: 1px solid rgba(255,255,255,.08); border-radius: 14px; padding: 14px; display: grid; gap: 2px; opacity: 0; visibility: hidden; pointer-events: none; transition: opacity .18s ease, transform .18s ease; box-shadow: var(--shadow); z-index: 20; }
.nav__item:hover .nav__dropdown, .nav__item:focus-within .nav__dropdown, .nav__item.open .nav__dropdown { opacity: 1; visibility: visible; pointer-events: auto; transform: translateX(-50%) translateY(0); }
.nav__dropdown a { padding: 9px 12px; border-radius: 8px; font-size: .82rem; color: rgba(255,255,255,.88); white-space: nowrap; }
.nav__dropdown a:hover { background: rgba(255,255,255,.08); color: var(--gold-2); }
.nav__dropdown--wide { left: 0; transform: translateY(4px); min-width: 480px; grid-template-columns: 1fr 1fr; column-gap: 28px; }
.nav__item:hover .nav__dropdown--wide, .nav__item:focus-within .nav__dropdown--wide, .nav__item.open .nav__dropdown--wide { transform: translateY(0); }
.nav__dropdown-group { display: grid; gap: 2px; align-content: start; }
.nav__dropdown-heading { margin: 4px 0 4px 12px; color: var(--gold-2); font-size: .64rem; text-transform: uppercase; letter-spacing: .12em; font-weight: 700; }
.nav__cta { min-height: 44px; padding-inline: 23px; font-size: .83rem; }
.nav__toggle { display: none; width: 44px; height:44px; border:0; border-radius:50%; background:rgba(255,255,255,.1); color:white; align-items:center; justify-content:center; }
.nav__toggle svg { width:22px; height:22px; fill:none; stroke:currentColor; stroke-width:1.8; }
.hero__content { padding-top: 88px; position: relative; z-index: 2; }
.hero__eyebrow { display:none; }
.hero h1 { font-size: clamp(3.7rem, 6vw, 6rem); letter-spacing: -.02em; max-width: 760px; text-shadow: 0 1px 15px rgba(0,0,0,.18); }
.hero h1 span { color: var(--gold-2); }
.gold-rule { width: 48px; height: 3px; background: var(--gold-2); margin: 28px 0 22px; }
.hero__lead { max-width: 445px; font-size: 1.03rem; line-height: 1.75; color: rgba(255,255,255,.9); }
.hero__actions { display:flex; gap:18px; margin-top: 34px; flex-wrap:wrap; }
.hero__proof { display:flex; align-items:center; gap:0; margin-top:50px; }
.proof { min-height: 54px; padding: 0 30px; display:flex; align-items:center; gap:13px; border-left:1px solid rgba(255,255,255,.28); }
.proof:first-child { border-left:0; padding-left:0; }
.proof strong { color: var(--gold-2); font-family: var(--serif); font-size:2rem; line-height:1; }
.proof small { line-height:1.25; color: rgba(255,255,255,.9); font-size:.74rem; }
.proof--rating { display:grid; grid-template-columns:auto auto; column-gap:10px; }
.proof--rating small { grid-column:2; margin-top:-8px; }
.stars { color: #f4b41f; letter-spacing: 2px; }
.proof__icon { width:33px; height:33px; color:var(--gold-2); }
.proof__icon svg { width:100%; height:100%; fill:none; stroke:currentColor; stroke-width:1.6; }
.hero__wave { position:absolute; left:-3%; right:-3%; bottom:-2px; height:88px; background:white; clip-path: polygon(0 70%, 7% 82%, 16% 90%, 27% 91%, 38% 80%, 50% 58%, 61% 40%, 73% 35%, 84% 44%, 94% 66%, 100% 80%, 100% 100%, 0 100%); z-index:2; }

.lenders { padding: 30px 0 82px; }
.lenders__inner { text-align:center; }
.lenders__marquee { margin-top:24px; overflow:hidden; -webkit-mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent); mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent); }
.lenders__track { display:flex; align-items:center; gap:56px; width:max-content; animation:lenders-scroll 24s linear infinite; }
.lenders__marquee:hover .lenders__track { animation-play-state:paused; }
.lenders__track img { height:42px; width:auto; max-width:175px; flex-shrink:0; }
@keyframes lenders-scroll { from { transform:translateX(0); } to { transform:translateX(-50%); } }
@media (prefers-reduced-motion: reduce) {
  .lenders__track { animation:none; }
}

.services { padding: 58px 0 95px; }
.services__grid { display:grid; grid-template-columns: 1.05fr 1.1fr 1fr; align-items:center; gap:42px; }
.services__intro h2 { font-size: clamp(1.9rem,2.2vw,2.6rem); }
.ink-rule { width:43px; height:3px; background:var(--ink); margin:25px 0 24px; }
.services__intro p:not(.section-kicker) { color:#5c6670; margin:0 0 30px; max-width:360px; }
.services__photo-wrap { position:relative; padding: 20px 28px 20px 0; min-height:520px; display:flex; align-items:center; }
.services__photo { width:100%; height:440px; object-fit:cover; border-radius: 49% 49% 10px 10px / 31% 31% 10px 10px; box-shadow: var(--shadow); }
.services__arc { position:absolute; inset: -18px 2px -18px 22%; border-right:2px solid rgba(213,162,38,.55); border-radius:50%; pointer-events:none; }
.arc-dot { position:absolute; width:12px; height:12px; border-radius:50%; background:var(--gold); right:-4px; }
.arc-dot--1 { top:22%; } .arc-dot--2 { top:49%; } .arc-dot--3 { top:75%; }
.services__list { display:grid; gap:18px; }
.services__list article { display:grid; grid-template-columns:48px 1fr; align-items:start; gap:16px; padding-bottom:15px; border-bottom:1px solid #e8e7e3; }
.services__list article:last-child { border-bottom:0; }
.service-icon { width:42px; height:42px; border-radius:50%; background:var(--navy); display:grid; place-items:center; color:var(--gold-2); box-shadow: 0 6px 16px rgba(5,31,52,.18); }
.service-icon svg { width:23px; height:23px; fill:none; stroke:currentColor; stroke-width:1.7; stroke-linecap:round; stroke-linejoin:round; }
.services__list h3 { font-family:var(--sans); font-size:1rem; margin:0 0 3px; }
.services__list p { margin:0; font-size:.77rem; color:#6f7680; line-height:1.45; }

.trust { min-height:355px; display:grid; grid-template-columns: 24% 46% 30%; align-items:stretch; background:linear-gradient(110deg,#f8f5ef,#eee8df); overflow:hidden; }
.trust__image { overflow:hidden; border-radius: 0 95px 95px 0; }
.trust__image img { width:100%; height:100%; object-fit:cover; }
.trust__content { padding:55px 55px 42px; display:flex; flex-direction:column; justify-content:center; }
.trust__content h2 { color:#183b61; font-size: clamp(2.35rem,3.6vw,3.7rem); }
.trust__stats { display:grid; grid-template-columns:repeat(3,1fr); margin-top:36px; }
.trust__stats > div { text-align:center; padding:0 15px; border-right:1px solid #d6d1c7; display:grid; justify-items:center; }
.trust__stats > div:last-child { border-right:0; }
.trust__stats span { color:var(--gold); width:30px; height:30px; }
.trust__stats svg { width:100%; height:100%; fill:none; stroke:currentColor; stroke-width:1.6; }
.trust__stats strong { font-family:var(--serif); font-size:2.2rem; line-height:1; margin-top:9px; }
.trust__stats small { color:#606872; margin-top:5px; }
.review-card { align-self:center; justify-self:center; width:min(280px,88%); min-height:280px; background:white; border-radius:48px 48px 48px 12px; padding:34px 32px 25px; box-shadow:var(--shadow); text-align:center; position:relative; }
.review-card::after { content:""; position:absolute; left:24px; bottom:-21px; border-style:solid; border-width:22px 24px 0 0; border-color:white transparent transparent transparent; }
.quote { position:absolute; left:31px; top:11px; color:var(--gold); font-family:Georgia,serif; font-size:4rem; line-height:1; }
.review-slide { display:none; padding-top:25px; }
.review-slide.active { display:block; animation:fade .35s ease; }
@keyframes fade { from{opacity:.25;transform:translateY(4px)} to{opacity:1;transform:none} }
.review-slide p { font-size:.82rem; color:#4e6177; line-height:1.65; min-height:86px; }
.review-slide strong, .review-slide small { display:block; }
.review-slide strong { margin-top:8px; font-size:.8rem; }
.review-slide small { color:#7b8188; font-size:.68rem; }
.review-dots { position:absolute; left:0; right:0; bottom:-38px; display:flex; justify-content:center; gap:10px; }
.review-dots button { width:10px; height:10px; padding:0; border:0; border-radius:50%; background:#d9dadc; cursor:pointer; }
.review-dots button.active { background:var(--gold); }

.process { padding:92px 0 65px; text-align:center; }
.process h2 { font-size: clamp(2.75rem,4.6vw,4.2rem); }
.process__steps { margin-top:48px; display:grid; grid-template-columns:repeat(4,1fr); gap:34px; position:relative; }
.process__line { position:absolute; top:44px; left:12%; right:3%; height:2px; background:linear-gradient(90deg,transparent,var(--gold),var(--gold),transparent); z-index:-1; }
.process__line::after { content:""; position:absolute; right:0; top:-5px; width:10px; height:10px; border-right:2px solid var(--gold); border-top:2px solid var(--gold); transform:rotate(45deg); }
.process__steps article { padding:0 10px; }
.step-circle { width:94px; height:94px; margin:0 auto 20px; border-radius:50%; border:1.5px solid #d9b55c; background:white; display:grid; place-items:center; position:relative; }
.step-circle svg { width:34px; height:34px; fill:none; stroke:var(--navy); stroke-width:1.65; }
.step-circle span { position:absolute; right:-1px; bottom:-5px; min-width:34px; height:24px; padding:0 8px; border-radius:8px; background:var(--gold); color:white; display:grid; place-items:center; font-size:.72rem; font-weight:700; }
.process__steps h3 { font-family:var(--sans); font-size:1rem; margin-bottom:8px; }
.process__steps p { margin:0; font-size:.76rem; color:#6d747d; }

.next { display:grid; grid-template-columns:1fr 1fr; gap:26px; padding-bottom:80px; }
.calculator-card { min-height:365px; background:linear-gradient(135deg,#052038,#0a314e); color:white; border-radius:22px; padding:28px 32px; display:grid; grid-template-columns:1.18fr .82fr; gap:28px; box-shadow:var(--shadow); }
.calculator-card > .section-kicker { grid-column:1/-1; margin-bottom:-10px; }
.calculator { display:grid; gap:17px; }
.calculator label { display:grid; grid-template-columns:1fr auto; gap:6px 16px; font-size:.72rem; }
.calculator label strong { font-size:.76rem; font-weight:600; }
.calculator input[type=range] { grid-column:1/-1; width:100%; accent-color:var(--gold-2); cursor:pointer; }
.calculator__result { align-self:center; justify-self:center; width:190px; height:190px; border-radius:50%; background:white; color:var(--ink); display:flex; flex-direction:column; align-items:center; justify-content:center; text-align:center; box-shadow:0 15px 40px rgba(0,0,0,.2); }
.calculator__result small { text-transform:uppercase; letter-spacing:.08em; font-size:.62rem; color:#6d7380; }
.calculator__result output { font-family:var(--serif); font-size:2.8rem; font-weight:700; line-height:1.05; margin-top:5px; }
.calculator__result > span { font-size:.7rem; color:#6d7380; }
.calculator__result .btn { min-height:37px; padding:0 10px 0 16px; font-size:.7rem; margin-top:12px; }
.calculator__result .btn__icon { width:23px;height:23px; }
.calculator__stats { grid-column:1/-1; display:grid; grid-template-columns:repeat(3,1fr); gap:14px; margin-top:4px; padding-top:18px; border-top:1px solid rgba(255,255,255,.14); }
.calculator__stats div { text-align:center; }
.calculator__stats small { display:block; text-transform:uppercase; letter-spacing:.06em; font-size:.6rem; color:rgba(255,255,255,.6); margin-bottom:5px; }
.calculator__stats strong { font-family:var(--serif); font-size:1.35rem; color:var(--gold-2); }
.calculator__disclaimer { grid-column:1/-1; margin:10px 0 0; font-size:.65rem; line-height:1.55; color:rgba(255,255,255,.5); }
.cta-card { min-height:365px; border-radius:22px; background:linear-gradient(135deg,#faf8f4,#f0ece4); display:grid; grid-template-columns:1.05fr .95fr; overflow:hidden; box-shadow:var(--shadow); }
.cta-card__copy { padding:45px 10px 40px 35px; display:flex; flex-direction:column; align-items:flex-start; justify-content:center; }
.cta-card h2 { font-size:clamp(2.55rem,3.5vw,3.55rem); }
.cta-card p { color:#5c6470; max-width:340px; font-size:.86rem; }
.cta-card__photo { align-self:stretch; clip-path: ellipse(77% 66% at 100% 50%); }
.cta-card__photo img { width:100%; height:100%; object-fit:cover; }

.footer { position:relative; background:var(--navy); color:white; padding-top:75px; }
.footer__wave { position:absolute; left:-2%; right:-2%; top:-50px; height:72px; background:var(--navy); clip-path:polygon(0 34%,12% 55%,25% 68%,39% 69%,54% 55%,70% 37%,84% 27%,100% 34%,100% 100%,0 100%); }

.footer__top { display:grid; grid-template-columns:1.3fr repeat(4,1fr); gap:36px; padding-bottom:48px; border-bottom:1px solid rgba(255,255,255,.1); }
.footer__brand img { height:44px; width:auto; margin-bottom:18px; }
.footer__brand-tagline { color:var(--gold-2); font-family:var(--serif); font-style:italic; font-weight:600; font-size:1.25rem; line-height:1.3; margin:0 0 16px; }
.footer__brand .footer__disclosure { margin:0 0 22px; font-size:.72rem; line-height:1.7; color:rgba(255,255,255,.5); max-width:280px; }
.footer__brand-contact { display:grid; gap:10px; }
.footer__brand-contact p { margin:0; display:flex; align-items:center; gap:10px; font-size:.72rem; color:rgba(255,255,255,.85); }
.footer__brand-contact svg { width:17px; height:17px; fill:none; stroke:var(--gold-2); stroke-width:1.8; flex-shrink:0; }
.footer__col { display:grid; gap:9px; align-content:start; }
.footer__heading { margin:0 0 5px; color:var(--gold-2); font-size:.68rem; text-transform:uppercase; letter-spacing:.1em; font-weight:700; }
.footer__subheading { margin:8px 0 1px; color:rgba(255,255,255,.4); font-size:.62rem; text-transform:uppercase; letter-spacing:.08em; font-weight:700; }
.footer__subheading:first-of-type { margin-top:0; }
.footer__col a { font-size:.72rem; color:rgba(255,255,255,.75); }
.footer__col a:hover { color:var(--gold-2); }

.footer__base { padding:24px 0 28px; }
.footer__bottom { display:flex; flex-wrap:wrap; align-items:center; justify-content:space-between; gap:10px 24px; font-size:.72rem; color:rgba(255,255,255,.55); }
.footer__legal-links { display:flex; flex-wrap:wrap; gap:6px 20px; margin:0; padding:0; }
.footer__legal-links a { color:rgba(255,255,255,.68); text-decoration:none; border-bottom:1px solid rgba(255,255,255,.25); padding-bottom:1px; transition:color .15s ease, border-color .15s ease; }
.footer__legal-links a:hover { color:var(--gold-2); border-color:var(--gold-2); }

/* Inner page banner (subpages) */
.page-hero { position:relative; background:linear-gradient(160deg,#082948,var(--navy)); color:white; overflow:hidden; }
.page-banner { position:relative; z-index:2; padding:56px 0 76px; }
.breadcrumb { display:flex; flex-wrap:wrap; align-items:center; gap:8px; margin:0 0 22px; font-size:.72rem; color:rgba(255,255,255,.6); text-transform:uppercase; letter-spacing:.08em; }
.breadcrumb a { color:rgba(255,255,255,.75); }
.breadcrumb a:hover { color:var(--gold-2); }
.breadcrumb .sep { color:rgba(255,255,255,.32); }
.breadcrumb .current { color:var(--gold-2); }
.page-banner h1 { font-size:clamp(2.5rem,4.6vw,3.9rem); max-width:720px; }
.page-banner__lead { max-width:560px; margin-top:20px; font-size:1.02rem; line-height:1.72; color:rgba(255,255,255,.85); }

/* Subpage body sections */
.page-overview { padding:64px 0 8px; }
.page-overview p { max-width:680px; color:#4d5761; font-size:1rem; line-height:1.75; margin:0 0 18px; }
.page-crosslink { max-width:680px; margin:26px 0 0; padding:16px 20px; border-radius:14px; background:#f6f2ea; font-size:.86rem; color:#4d5761; }
.page-crosslink a { color:var(--navy); font-weight:700; text-decoration:underline; text-underline-offset:3px; }

/* Regulatory risk warnings */
.risk-notice { max-width:900px; margin:36px auto 0; padding:22px 26px; border-radius:16px; background:#fbf3e4; border:1px solid rgba(213,162,38,.45); }
.risk-notice__title { margin:0 0 10px; font-weight:700; font-size:.72rem; text-transform:uppercase; letter-spacing:.09em; color:var(--navy); }
.risk-notice ul { margin:0; padding-left:20px; display:grid; gap:6px; }
.risk-notice li { font-size:.85rem; line-height:1.55; color:#4d5761; }
.services .risk-notice { margin-top:44px; }

/* Just-in-time statement prompt on contact form */
.jit-notice { margin:2px 0 0; padding:14px 18px; border-radius:12px; background:#f6f2ea; font-size:.78rem; line-height:1.55; color:#4d5761; }
.jit-notice a { color:var(--navy); font-weight:700; text-decoration:underline; text-underline-offset:2px; }

.page-features { padding:44px 0 20px; }
.page-features .services__list { grid-template-columns:1fr 1fr; gap:18px 40px; }
.promise-band { background:linear-gradient(110deg,#f8f5ef,#eee8df); padding:52px 0; margin-top:56px; }
.promise-row { display:grid; grid-template-columns:repeat(3,1fr); gap:24px; text-align:center; }
.promise-row div { display:grid; justify-items:center; gap:12px; }
.promise-row svg { width:34px; height:34px; fill:none; stroke:var(--gold); stroke-width:1.6; }
.promise-row span { font-size:.8rem; color:#4d5761; line-height:1.4; }
.page-cta { padding:70px 0 90px; }
.page-cta .cta-card { max-width:980px; margin:0 auto; }

/* Legal / policy pages */
.legal-content { padding:64px 0 80px; }
.legal-content .shell { max-width:820px; }
.legal-content .legal-updated { color:#8a8f97; font-size:.8rem; margin:0 0 30px; }
.legal-content h2 { font-size:1.55rem; margin:42px 0 12px; }
.legal-content h2:first-of-type { margin-top:0; }
.legal-content h3 { font-size:1.1rem; margin:24px 0 8px; font-family:var(--sans); font-weight:700; }
.legal-content p { color:#4d5761; font-size:.95rem; line-height:1.75; margin:0 0 16px; }
.legal-content ul { color:#4d5761; font-size:.95rem; line-height:1.75; margin:0 0 16px; padding-left:22px; }
.legal-content li { margin-bottom:6px; }
.legal-content a { color:var(--navy); font-weight:700; text-decoration:underline; text-underline-offset:2px; }

/* Multi-step calculator */
.calculator-page { padding:56px 0 90px; }
.sdlt-card { max-width:760px; margin:0 auto; background:#fff; border-radius:26px; padding:44px 46px 48px; box-shadow:var(--shadow); }
.stepper { display:flex; justify-content:space-between; align-items:flex-start; margin-bottom:44px; position:relative; }
.stepper::before { content:""; position:absolute; top:19px; left:8%; right:8%; height:2px; background:#e5e1d8; z-index:0; }
.stepper__fill { position:absolute; top:19px; left:8%; height:2px; background:var(--gold); z-index:0; width:0%; transition:width .3s ease; }
.stepper__step { position:relative; z-index:1; display:grid; justify-items:center; gap:8px; flex:1; }
.stepper__circle { width:38px; height:38px; border-radius:50%; border:1.5px solid #d9d5c9; background:#fff; display:grid; place-items:center; font-family:var(--serif); font-weight:700; color:#9a9488; transition:.2s ease; }
.stepper__step.done .stepper__circle { background:var(--gold); border-color:var(--gold); color:#fff; }
.stepper__step.current .stepper__circle { border-color:var(--navy); color:var(--navy); }
.stepper__label { font-size:.66rem; text-transform:uppercase; letter-spacing:.05em; color:#8a8f97; text-align:center; }
.stepper__step.current .stepper__label { color:var(--navy); font-weight:700; }

.sdlt-step { display:none; }
.sdlt-step.active { display:block; animation:fade .3s ease; }
.sdlt-step h2 { font-size:clamp(1.5rem,2.4vw,1.9rem); margin:0 0 8px; }
.sdlt-step .step-hint { color:#6f7680; font-size:.88rem; margin:0 0 26px; }

.option-grid { display:grid; grid-template-columns:repeat(auto-fit,minmax(190px,1fr)); gap:16px; }
.option-card { border:1.5px solid #e5e1d8; border-radius:16px; padding:22px 20px; text-align:left; background:#fff; cursor:pointer; display:grid; gap:12px; transition:.18s ease; }
.option-card:hover { border-color:var(--gold); transform:translateY(-2px); }
.option-card svg { width:28px; height:28px; fill:none; stroke:var(--navy); stroke-width:1.6; }
.option-card strong { font-family:var(--serif); font-size:1.15rem; display:block; }
.option-card span { font-size:.78rem; color:#6f7680; }
.option-card[aria-checked="true"] { border-color:var(--navy); background:linear-gradient(135deg,#052038,#0a314e); }
.option-card[aria-checked="true"] svg { stroke:var(--gold-2); }
.option-card[aria-checked="true"] strong { color:#fff; }
.option-card[aria-checked="true"] span { color:rgba(255,255,255,.75); }

.price-field { display:grid; gap:22px; max-width:420px; }
.price-input-wrap { position:relative; }
.price-input-wrap span { position:absolute; left:20px; top:50%; transform:translateY(-50%); font-family:var(--serif); font-size:1.5rem; color:var(--navy); pointer-events:none; }
.price-input-wrap input[type=text] { width:100%; height:66px; border-radius:16px; border:1.5px solid #e5e1d8; padding:0 20px 0 40px; font-family:var(--serif); font-size:1.5rem; font-weight:700; color:var(--navy); }
.price-input-wrap input[type=text]:focus { outline:2px solid var(--gold); outline-offset:1px; border-color:var(--gold); }
.price-field input[type=range] { width:100%; accent-color:var(--gold); cursor:pointer; }

.step-actions { display:flex; justify-content:space-between; align-items:center; margin-top:36px; gap:16px; }
.btn--ghost { background:none; border:1.5px solid #d9d5c9; color:var(--ink); }

.sdlt-result { display:grid; gap:26px; }
.sdlt-result__headline { background:linear-gradient(135deg,#052038,#0a314e); border-radius:20px; padding:32px; color:#fff; text-align:center; }
.sdlt-result__headline small { text-transform:uppercase; letter-spacing:.1em; font-size:.7rem; color:rgba(255,255,255,.7); }
.sdlt-result__headline output { display:block; font-family:var(--serif); font-size:2.9rem; font-weight:700; margin-top:6px; }
.sdlt-result__headline .rate { display:block; font-size:.85rem; color:var(--gold-2); margin-top:8px; }
.sdlt-summary { font-size:.9rem; color:#4d5761; margin:0; }
.sdlt-working-title { font-family:var(--sans); font-size:.78rem; text-transform:uppercase; letter-spacing:.08em; color:#8a8f97; margin:8px 0 2px; font-weight:700; }
.sdlt-table-wrap { overflow-x:auto; }
.sdlt-table { width:100%; min-width:460px; border-collapse:collapse; font-size:.85rem; }
.sdlt-table th, .sdlt-table td { text-align:left; padding:10px 12px; border-bottom:1px solid #ece8df; }
.sdlt-table th { color:#8a8f97; font-weight:600; text-transform:uppercase; font-size:.64rem; letter-spacing:.06em; }
.sdlt-table td:not(:first-child), .sdlt-table th:not(:first-child) { text-align:right; }
.sdlt-table__total td { border-bottom:0; border-top:2px solid var(--ink); font-weight:700; color:var(--navy); padding-top:12px; }
.sdlt-disclaimer { font-size:.76rem; color:#8a8f97; line-height:1.6; margin:0; }

/* Contact page */
.contact-section { padding:60px 0 90px; }
.contact-grid { display:grid; grid-template-columns:1.3fr 1fr; gap:36px; align-items:start; }
.contact-form { background:#fff; border-radius:26px; padding:42px 44px; box-shadow:var(--shadow); display:grid; gap:18px; }
.contact-form h2 { font-size:1.7rem; margin:0; }
.contact-form > p { margin:-8px 0 4px; color:#6f7680; font-size:.88rem; }
.contact-form .field { display:grid; gap:6px; }
.contact-form .field-row { display:grid; grid-template-columns:1fr 1fr; gap:18px; }
.contact-form label { font-size:.76rem; font-weight:700; color:var(--ink); }
.contact-form input, .contact-form textarea, .contact-form select { border:1.5px solid #e5e1d8; border-radius:12px; padding:13px 16px; font:inherit; font-size:.9rem; color:var(--ink); width:100%; }
.contact-form input:focus, .contact-form textarea:focus, .contact-form select:focus { outline:2px solid var(--gold); outline-offset:1px; border-color:var(--gold); }
.contact-form textarea { min-height:130px; resize:vertical; }
.contact-form .form-note { margin:2px 0 0; color:#8a8f97; font-size:.72rem; line-height:1.5; }
.contact-info { display:grid; gap:22px; }
.contact-info-card { background:linear-gradient(135deg,#052038,#0a314e); color:#fff; border-radius:26px; padding:38px 36px; box-shadow:var(--shadow); }
.contact-info-card h3 { font-size:1.3rem; margin:0 0 20px; }
.contact-info-card p { display:flex; align-items:center; gap:13px; margin:0 0 15px; font-size:.85rem; color:rgba(255,255,255,.9); }
.contact-info-card p:last-of-type { margin-bottom:0; }
.contact-info-card svg { width:20px; height:20px; flex-shrink:0; fill:none; stroke:var(--gold-2); stroke-width:1.8; }
.contact-hours { display:grid; gap:8px; margin-top:22px; padding-top:22px; border-top:1px solid rgba(255,255,255,.15); font-size:.82rem; }
.contact-hours div { display:flex; justify-content:space-between; color:rgba(255,255,255,.85); }
.contact-hours span:last-child { color:var(--gold-2); }
.contact-map-note { background:#f6f2ea; border-radius:26px; padding:30px 32px; font-size:.85rem; color:#4d5761; line-height:1.6; }

@media (max-width: 1040px) {
  .nav { grid-template-columns:180px 1fr auto; }
  .nav__links { gap:18px; }
  .services__grid { grid-template-columns:1fr 1fr; }
  .services__intro { grid-column:1; }
  .services__photo-wrap { grid-column:2; grid-row:1 / span 2; }
  .services__list { grid-column:1; }
  .trust { grid-template-columns:28% 42% 30%; }
  .trust__content { padding-inline:35px; }
  .next { grid-template-columns:1fr; }
  .calculator-card, .cta-card { min-height:360px; }
  .footer__top { grid-template-columns:1fr 1fr; }
  .footer__brand { grid-column:1/-1; }
}

@media (max-width: 820px) {
  .shell { width:min(100% - 32px, 680px); }
  .nav { grid-template-columns:180px 1fr; height:80px; }
  .nav__toggle { display:flex; justify-self:end; }
  .nav__cta { display:none; }
  .nav__links { position:absolute; top:80px; left:16px; right:16px; max-height:calc(100vh - 100px); overflow-y:auto; padding:18px; border-radius:18px; background:rgba(4,28,48,.97); backdrop-filter:blur(12px); display:none; flex-direction:column; align-items:stretch; gap:4px; box-shadow:var(--shadow); }
  .nav__links.open { display:flex; }
  .nav__links > a { padding:10px 8px; }
  .nav__links > a::after { bottom:3px; }
  .nav__item { width:100%; }
  .nav__trigger { width:100%; justify-content:space-between; padding:10px 8px; }
  .nav__trigger::after { bottom:3px; }
  .nav__dropdown, .nav__dropdown--wide { position:static; opacity:1; visibility:visible; pointer-events:auto; transform:none; display:none; grid-template-columns:1fr; min-width:0; margin:2px 0 8px; padding:4px 0 4px 14px; background:none; border:0; box-shadow:none; }
  .nav__item.open .nav__dropdown, .nav__item.open .nav__dropdown--wide { display:grid; transform:none; }
  .nav__dropdown a { padding:9px 8px; font-size:.83rem; white-space:normal; }
  .nav__dropdown-heading { margin-left:8px; }
  .hero { min-height:820px; }
  .hero__media { inset:0; opacity:.62; background-position:64% center; }
  .hero__shade { background:linear-gradient(90deg,rgba(3,24,41,.98),rgba(3,24,41,.78) 60%,rgba(3,24,41,.3)); }
  .hero__content { padding-top:95px; }
  .hero h1 { font-size:clamp(3.2rem,11vw,5rem); }
  .hero__lead { max-width:530px; }
  .hero__proof { flex-wrap:wrap; gap:20px 0; }
  .proof { padding-inline:18px; }
  .lenders { padding-bottom:50px; }
  .services__grid { grid-template-columns:1fr; gap:35px; }
  .services__intro, .services__photo-wrap, .services__list { grid-column:auto; grid-row:auto; }
  .services__photo-wrap { min-height:0; padding:0 20px 0 0; }
  .services__photo { height:430px; }
  .trust { grid-template-columns:1fr; }
  .trust__image { height:260px; border-radius:0; }
  .trust__content { padding:50px 30px 40px; }
  .review-card { margin:0 auto 65px; }
  .process__steps { grid-template-columns:repeat(2,1fr); row-gap:48px; }
  .process__line { display:none; }
  .footer__top { grid-template-columns:1fr; text-align:center; padding-bottom:8px; border-bottom:0; }
  .footer__brand { grid-column:auto; }
  .footer__brand img { margin-inline:auto; }
  .footer__brand .footer__disclosure { margin-inline:auto; }
  .footer__brand-contact { justify-items:center; margin-bottom:8px; }
  .footer__brand-contact p { justify-content:center; }
  .footer__col { justify-items:center; padding-bottom:20px; border-bottom:1px solid rgba(255,255,255,.08); }
  .footer__base { text-align:center; }
  .footer__bottom { justify-content:center; }
  .page-banner { padding-top:30px; }
  .page-features .services__list { grid-template-columns:1fr; }
  .promise-row { grid-template-columns:1fr; gap:26px; }
  .sdlt-card { padding:34px 26px 38px; }
  .stepper__label { display:none; }
  .contact-grid { grid-template-columns:1fr; }
}

@media (max-width: 560px) {
  .shell { width:calc(100% - 24px); }
  .brand img { width: auto; height: 62px; }
  .hero { min-height:880px; }
  .hero__content { padding-top:80px; }
  .hero__actions { align-items:stretch; }
  .hero__actions .btn { width:100%; }
  .hero__proof { display:grid; grid-template-columns:1fr; gap:0; margin-top:38px; }
  .proof { border-left:0; border-top:1px solid rgba(255,255,255,.2); padding:15px 0; }
  .proof:first-child { border-top:0; }
  .lenders__track { gap:34px; animation-duration:18s; }
  .lenders__track img { height:35px; max-width:145px; }
  .services { padding-top:30px; }
  .services__photo { height:350px; }
  .trust__stats { grid-template-columns:1fr; gap:20px; }
  .trust__stats > div { border-right:0; border-bottom:1px solid #d6d1c7; padding-bottom:18px; }
  .trust__stats > div:last-child { border-bottom:0; }
  .process__steps { grid-template-columns:1fr; }
  .calculator-card { grid-template-columns:1fr; }
  .calculator-card > .section-kicker { grid-column:1; }
  .calculator__result { width:180px; height:180px; }
  .cta-card { grid-template-columns:1fr; }
  .cta-card__copy { padding:38px 28px; }
  .cta-card__photo { min-height:240px; clip-path:ellipse(90% 75% at 50% 100%); }
  .footer__bottom { flex-direction:column; gap:10px; }
  .page-banner h1 { font-size:clamp(2.1rem,9vw,2.9rem); }
  .option-grid { grid-template-columns:1fr; }
  .price-input-wrap input[type=text] { font-size:1.25rem; height:58px; }
  .price-input-wrap span { font-size:1.25rem; }
  .step-actions { flex-wrap:wrap; }
  .sdlt-result__headline output { font-size:2.3rem; }
  .contact-form { padding:30px 24px; }
  .contact-form .field-row { grid-template-columns:1fr; }
  .contact-info-card { padding:30px 26px; }
}