/* =============================================================
   Funded by Tapia — Design System & Stylesheet
   Theme: "Estate" — light / white, lively, West-Capital blue accents,
   full-bleed photographic hero, dark grounding footer.
   Built mobile-first, WCAG 2.1 AA conscious.
   ============================================================= */

/* ---------- Design Tokens ---------- */
:root {
  /* Color — surfaces (light) */
  --bg:            #ffffff;
  --bg-2:          #f4f7f9;
  --surface:       #ffffff;
  --surface-2:     #f0f4f7;
  --border:        #e2e8ee;
  --border-soft:   #eef2f6;

  /* Color — text (ink on light) */
  --text:          #161c24;
  --text-muted:    #4d5b6b;
  --text-faint:    #76828f;

  /* Color — brand accents */
  --accent:        #0062e3;   /* WCL blue — primary, AA on white */
  --accent-bright: #2f86f6;
  --accent-deep:   #0a4fb5;
  --gold:          #c79a3d;   /* warm gold — secondary (stars, fine accents) */
  --gold-bright:   #d9b257;
  --ink:           #ffffff;   /* text used on accent fills */
  --navy:          #0f182d;   /* deep ground tone (footer, scrims) */

  /* Functional */
  --focus:         #1f6feb;
  --success:       #1f9d6b;
  --warn:          #c0455e;

  /* Gradients */
  --grad-accent: linear-gradient(135deg, #2f86f6 0%, #0062e3 55%, #0a4fb5 100%);
  --grad-gold:   linear-gradient(135deg, #d9b257 0%, #c79a3d 55%, #a87b32 100%);
  --grad-surface: linear-gradient(180deg, #ffffff 0%, #f4f7f9 100%);

  /* Type */
  --font-display: "Fraunces", "Iowan Old Style", Georgia, "Times New Roman", serif;
  --font-body: "Inter", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  /* Fluid type scale (clamp) */
  --fs-xs:   0.8125rem;
  --fs-sm:   0.9375rem;
  --fs-base: 1rem;
  --fs-md:   clamp(1.0625rem, 0.5vw + 0.95rem, 1.1875rem);
  --fs-lg:   clamp(1.25rem, 1vw + 1rem, 1.5rem);
  --fs-xl:   clamp(1.6rem, 2vw + 1rem, 2.1rem);
  --fs-2xl:  clamp(2rem, 3.2vw + 1rem, 3rem);
  --fs-3xl:  clamp(2.5rem, 5vw + 1rem, 4.25rem);

  /* Spacing */
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.5rem;
  --space-6: 2rem;
  --space-7: 3rem;
  --space-8: 4rem;
  --space-9: 6rem;
  --section-y: clamp(4rem, 8vw, 7.5rem);

  /* UI */
  --radius-sm: 8px;
  --radius:    14px;
  --radius-lg: 22px;
  --maxw: 1180px;
  --shadow-sm: 0 1px 3px rgba(16,24,40,.06), 0 1px 2px rgba(16,24,40,.04);
  --shadow: 0 24px 48px -24px rgba(16,24,40,.22);
  --shadow-accent: 0 16px 36px -16px rgba(0,98,227,.38);
  --transition: 200ms cubic-bezier(.4,0,.2,1);
}

/* ---------- Reset / Base ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
  }
}

body {
  font-family: var(--font-body);
  font-size: var(--fs-base);
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}

h1, h2, h3, h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.1;
  letter-spacing: -0.01em;
  color: var(--text);
  text-wrap: balance;
}
h1 { font-size: var(--fs-3xl); font-weight: 600; }
h2 { font-size: var(--fs-2xl); }
h3 { font-size: var(--fs-lg); }
p  { color: var(--text-muted); }
p.lede { font-size: var(--fs-md); color: var(--text-muted); max-width: 60ch; }

a { color: var(--accent); text-decoration: none; transition: color var(--transition); }
a:hover { color: var(--accent-deep); }
/* Links sitting inside running text must be distinguishable without color (WCAG 1.4.1) */
.breadcrumb a, p a:not(.btn), .ci .v a, .prose a, .disclaimer a { text-decoration: underline; text-underline-offset: 2px; }
img, svg { max-width: 100%; display: block; height: auto; }
ul { list-style: none; padding: 0; }
strong { color: var(--text); font-weight: 600; }

/* Accessibility helpers */
.sr-only {
  position: absolute; width: 1px; height: 1px; padding: 0;
  margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.skip-link {
  position: absolute; left: 50%; top: -60px; transform: translateX(-50%);
  background: var(--accent); color: #fff; padding: .65rem 1.2rem;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm); font-weight: 600; z-index: 1000;
  transition: top var(--transition);
}
.skip-link:focus { top: 0; color: #fff; }

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
  border-radius: 4px;
}

/* ---------- Layout ---------- */
.container { width: 100%; max-width: var(--maxw); margin-inline: auto; padding-inline: clamp(1.1rem, 4vw, 2rem); }
.section { padding-block: var(--section-y); scroll-margin-top: 90px; }
.price-card { scroll-margin-top: 90px; }
.section--tight { padding-block: clamp(3rem, 6vw, 5rem); }
.bg-alt { background: var(--bg-2); }
.bg-surface { background: var(--grad-surface); }

.grid { display: grid; gap: var(--space-5); }
@media (min-width: 720px) {
  .grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}
@media (min-width: 980px) {
  .grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
}

/* ---------- Eyebrow + Section header ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: .5rem;
  font-family: var(--font-body);
  font-size: var(--fs-xs); font-weight: 600; letter-spacing: .18em; text-transform: uppercase;
  color: var(--accent); margin-bottom: var(--space-4);
}
.eyebrow::before {
  content: ""; width: 28px; height: 1px; background: var(--grad-accent); display: inline-block;
}
.section-head { max-width: 64ch; margin-bottom: var(--space-7); }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head.center .eyebrow::before { display: none; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  font-family: var(--font-body); font-weight: 600; font-size: var(--fs-sm);
  padding: .9rem 1.6rem; border-radius: var(--radius-sm); cursor: pointer;
  border: 1px solid transparent; transition: transform var(--transition), background var(--transition), box-shadow var(--transition), border-color var(--transition), color var(--transition);
  text-align: center; line-height: 1;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--grad-accent); color: #fff; box-shadow: var(--shadow-accent); }
.btn-primary:hover { color: #fff; transform: translateY(-2px); box-shadow: 0 20px 44px -14px rgba(0,98,227,.5); }
.btn-ghost { background: transparent; color: var(--text); border-color: var(--border); }
.btn-ghost:hover { color: var(--accent-deep); border-color: var(--accent); background: rgba(0,98,227,.06); }
.btn-block { width: 100%; }
.btn-lg { padding: 1.05rem 2rem; font-size: var(--fs-base); }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.82); backdrop-filter: blur(14px);
  border-bottom: 1px solid transparent; transition: border-color var(--transition), background var(--transition), box-shadow var(--transition);
}
.site-header.scrolled { border-bottom-color: var(--border); background: rgba(255,255,255,.95); box-shadow: var(--shadow-sm); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 74px; gap: var(--space-5); }
.brand { display: inline-flex; align-items: center; gap: .7rem; flex-shrink: 0; }
.brand:hover { color: var(--text); }
.brand .mark { width: 40px; height: 40px; flex-shrink: 0; }
.brand-name { font-family: var(--font-display); font-weight: 600; font-size: 1.15rem; letter-spacing: -.01em; color: var(--text); line-height: 1; }
.brand-name span { display: block; font-family: var(--font-body); font-size: .6rem; font-weight: 600; letter-spacing: .28em; color: var(--accent); margin-top: 4px; }

.nav-links { display: flex; align-items: center; gap: var(--space-6); }
.nav-list { display: flex; align-items: center; gap: var(--space-6); }
.nav-list a { color: var(--text-muted); font-size: var(--fs-sm); font-weight: 500; }
.nav-list a:hover, .nav-list a[aria-current="page"] { color: var(--accent); }
.nav-cta { display: flex; align-items: center; gap: var(--space-4); }

/* Nav dropdown: "Loan Programs" and "Processing Services" open a real submenu
   of anchor links on hover/focus (desktop) so a click lands on the exact
   section, instead of the old logo-chip hover. */
.nav-list li.nav-has-dropdown { position: relative; }
.nav-dropdown { list-style: none; margin: 0; padding: 0; }
@media (min-width: 901px) {
  .nav-dropdown {
    /* top: 100% (flush, no gap) is deliberate — a gap here is a dead zone
       the mouse must cross to reach the menu, and :hover drops the instant
       it leaves the trigger link, closing the dropdown before a click can
       land. translateY still gives it a slide-in feel without the gap. */
    position: absolute; left: 50%; top: 100%;
    transform: translateX(-50%) translateY(-4px);
    min-width: 248px;
    background: #fff; border: 1px solid var(--border); border-radius: var(--radius-sm);
    box-shadow: var(--shadow);
    padding: var(--space-2) 0;
    /* Above .site-header's z-index (100) — the dropdown's top edge sits
       inside the header's own box (the nav link is shorter than the full
       header height), so it must out-rank the header or it renders behind
       its translucent/blurred background and looks ghosted. */
    opacity: 0; pointer-events: none; z-index: 110;
    transition: opacity var(--transition), transform var(--transition);
  }
  .nav-has-dropdown:hover .nav-dropdown,
  .nav-has-dropdown:focus-within .nav-dropdown {
    opacity: 1; pointer-events: auto; transform: translateX(-50%) translateY(0);
  }
  .nav-dropdown a {
    display: block; padding: .6rem var(--space-4);
    font-size: var(--fs-sm); font-weight: 500; color: var(--text); white-space: nowrap;
  }
  .nav-dropdown a:hover, .nav-dropdown a:focus-visible {
    background: var(--surface-2); color: var(--accent);
  }
  .nav-dropdown a.nav-dropdown-featured {
    color: var(--accent-deep); font-weight: 700;
    border-bottom: 1px solid var(--border-soft); margin-bottom: var(--space-1); padding-bottom: .75rem;
  }
}

.nav-toggle {
  display: none; background: transparent; border: 1px solid var(--border);
  border-radius: var(--radius-sm); width: 46px; height: 46px; cursor: pointer; color: var(--text);
  align-items: center; justify-content: center;
}
.nav-toggle svg { width: 24px; height: 24px; }
.nav-toggle .icon-close { display: none; }
.nav-toggle[aria-expanded="true"] .icon-open { display: none; }
.nav-toggle[aria-expanded="true"] .icon-close { display: block; }

@media (max-width: 900px) {
  .nav-toggle { display: inline-flex; }
  .nav-links {
    position: fixed; inset: 74px 0 auto 0;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--border); box-shadow: var(--shadow);
    padding: var(--space-4) clamp(1.1rem,4vw,2rem) var(--space-6);
    transform: translateY(-12px); opacity: 0; pointer-events: none;
    transition: opacity var(--transition), transform var(--transition);
    max-height: calc(100dvh - 74px); overflow-y: auto;
  }
  .nav-links.open { transform: translateY(0); opacity: 1; pointer-events: auto; }
  .nav-list { flex-direction: column; align-items: stretch; gap: 0; }
  .nav-list > li > a { display: block; padding: var(--space-4) 0; border-bottom: 1px solid var(--border-soft); font-size: var(--fs-md); }
  .nav-dropdown { padding-left: var(--space-4); border-left: 2px solid var(--border-soft); margin: 0 0 var(--space-2); }
  .nav-dropdown a {
    display: block; padding: var(--space-3) 0; font-size: var(--fs-sm); color: var(--text-muted);
  }
  .nav-dropdown a.nav-dropdown-featured { color: var(--accent-deep); font-weight: 700; }
  .nav-cta { flex-direction: column; align-items: stretch; gap: var(--space-3); margin-top: var(--space-5); }
  .nav-cta .btn { width: 100%; }
}

/* ---------- Hero (photographic, full-bleed) ---------- */
.hero { position: relative; padding-block: clamp(3.5rem, 9vw, 7rem); overflow: hidden; }

.hero--media {
  /* re-scope tokens so all hero text reads on the photo */
  --text: #ffffff;
  --text-muted: #e9edf1;
  --text-faint: #d2dae2;
  --border: rgba(255,255,255,.30);
  --accent: #58b9da;
  min-height: clamp(540px, 82vh, 760px);
  display: flex; align-items: center;
  color: #fff;
}
.hero-bg { position: absolute; inset: 0; z-index: -2; background-size: cover; background-position: center; }
.hero-scrim {
  position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(90deg, rgba(8,16,22,.86) 0%, rgba(8,16,22,.60) 42%, rgba(8,16,22,.30) 100%),
    linear-gradient(0deg, rgba(8,16,22,.55) 0%, rgba(8,16,22,0) 45%);
}
.hero--media .hero-inner { max-width: 44rem; }
.hero--media h1 { color: #fff; text-shadow: 0 2px 24px rgba(0,0,0,.35); }
.hero-inner { max-width: 60rem; }
.hero h1 { margin-bottom: var(--space-5); }
.hero .lede { margin-bottom: var(--space-6); font-size: var(--fs-md); }
.hero--media .lede { color: #eef1f4; }
.hero-cta { display: flex; flex-wrap: wrap; gap: var(--space-4); margin-bottom: var(--space-7); }
.hero-meta { display: flex; flex-wrap: wrap; gap: var(--space-3) var(--space-6); color: var(--text-faint); font-size: var(--fs-sm); }
.hero-meta li { display: inline-flex; align-items: center; gap: .5rem; }
.hero-meta svg { width: 18px; height: 18px; color: var(--accent); flex-shrink: 0; }

/* Hero + compressed team card (photo, name chips, click for full bio) */
.hero-inner.has-team {
  max-width: none; width: 100%;
  display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: var(--space-8);
  align-items: start;
}
@media (max-width: 900px) {
  .hero-inner.has-team { grid-template-columns: minmax(0, 1fr); }
}
.hero-team {
  /* Re-scope back to the light-mode tokens — .hero--media redefines these
     for white-on-photo text, but this card is an opaque white surface. */
  --text: #161c24; --text-muted: #4d5b6b; --text-faint: #76828f;
  --accent: #0062e3; --border: #e2e8ee;
  background: rgba(255,255,255,.97); color: var(--text);
  border-radius: var(--radius-lg); padding: var(--space-5);
  box-shadow: 0 24px 48px -20px rgba(0,0,0,.5);
  /* Cap the card so it hugs the photo rather than stretching the full grid
     column — the photo fills the card edge-to-edge, so shrinking the card is
     what shrinks the photo, with no white gutters beside it. Right-aligned to
     stay flush with the page margin; the freed space just shows the hero image.
     Below ~900px the column is already narrower than this cap, so the card
     goes full-width on its own and needs no media-query override. */
  max-width: 22.5rem; margin-left: auto;
}
.hero-team-photo { border-radius: var(--radius); overflow: hidden; margin-bottom: var(--space-4); aspect-ratio: 4 / 3; }
.hero-team-photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; display: block; }
.hero-team .eyebrow { color: var(--accent-deep); margin-bottom: var(--space-3); }
.name-chip {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: var(--space-3);
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-sm);
  padding: .75rem .9rem; margin-bottom: var(--space-2); cursor: pointer; text-align: left;
  font-family: var(--font-body); transition: border-color var(--transition), box-shadow var(--transition);
}
.name-chip:last-child { margin-bottom: 0; }
.name-chip:hover, .name-chip:focus-visible { border-color: var(--accent); box-shadow: 0 4px 14px -6px rgba(0,98,227,.35); }
.name-chip-name { font-family: var(--font-display); font-weight: 600; font-size: var(--fs-base); color: var(--text); display: block; }
.name-chip-role { font-size: var(--fs-xs); color: var(--text-muted); display: block; margin-top: 2px; }
.name-chip-arrow { flex-shrink: 0; width: 18px; height: 18px; color: var(--accent); }

/* Bio modal (reuses .quote-modal shell; content follows the site's existing
   avatar/panel-row primitives so it needs no separate visual language). */
.bio-avatar {
  width: 56px; height: 56px; border-radius: 50%; flex-shrink: 0;
  display: grid; place-items: center;
  font-family: var(--font-display); font-weight: 600; font-size: 1.25rem; color: var(--ink);
}
.bio-dialog .p-head { display: flex; align-items: center; gap: var(--space-4); margin-bottom: var(--space-5); padding-right: 2rem; }
.bio-dialog .p-name { font-family: var(--font-display); font-size: var(--fs-lg); color: var(--text); line-height: 1.15; }
.bio-dialog .p-role { font-size: var(--fs-sm); color: var(--text-muted); }
.bio-dialog .bio-p { font-size: var(--fs-sm); color: var(--text-muted); margin-bottom: var(--space-4); }
.bio-dialog .feature-list { margin-bottom: var(--space-5); }
.bio-dialog .panel-row:first-child { border-top: 1px solid var(--border-soft); padding-top: var(--space-4); }

.pill {
  display: inline-flex; align-items: center; gap: .55rem; margin-bottom: var(--space-5);
  padding: .4rem .85rem .4rem .55rem; border: 1px solid var(--border);
  border-radius: 999px; font-size: var(--fs-xs); color: var(--text-muted); background: rgba(255,255,255,.08);
}
.hero--media .pill { background: rgba(255,255,255,.12); -webkit-backdrop-filter: blur(4px); backdrop-filter: blur(4px); }
.pill .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--success); box-shadow: 0 0 0 3px rgba(31,157,107,.25); }
.hero--media .pill .dot { background: #58b9da; box-shadow: 0 0 0 3px rgba(88,185,218,.3); }

/* ---------- Star rating ---------- */
.rating { display: inline-flex; align-items: center; gap: .5rem; font-size: var(--fs-sm); color: var(--text-muted); }
.rating .stars { display: inline-flex; gap: 2px; }
.rating .stars svg { width: 18px; height: 18px; color: var(--gold); fill: var(--gold); }
.rating strong { color: var(--text); }

/* ---------- Trust bar ---------- */
.trustbar { border-block: 1px solid var(--border); background: var(--bg-2); }
.trustbar .container { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: var(--space-5); padding-block: var(--space-5); }
.trustbar p { font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: .14em; color: var(--text-faint); }
.trust-items { display: flex; flex-wrap: wrap; gap: var(--space-5) var(--space-7); }
.trust-items span { font-family: var(--font-body); font-weight: 600; color: var(--text-muted); font-size: var(--fs-sm); }

/* ---------- Cards ---------- */
.card {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius); padding: var(--space-6); box-shadow: var(--shadow-sm);
  transition: transform var(--transition), border-color var(--transition), box-shadow var(--transition);
  height: 100%;
}
.card:hover { transform: translateY(-4px); border-color: var(--accent); box-shadow: var(--shadow); }
.card .icon {
  width: 52px; height: 52px; border-radius: var(--radius-sm); display: grid; place-items: center;
  background: rgba(0,98,227,.08); border: 1px solid rgba(0,98,227,.2); color: var(--accent);
  margin-bottom: var(--space-5);
}
.card .icon svg { width: 26px; height: 26px; }
.card h3 { margin-bottom: var(--space-3); }
.card p { font-size: var(--fs-sm); }
.card .tag { display: inline-block; margin-top: var(--space-4); font-size: var(--fs-xs); color: var(--accent); font-weight: 600; letter-spacing: .06em; text-transform: uppercase; }

/* ---------- Loan program cards ---------- */
.loan-grid { display: grid; gap: var(--space-5); }
@media (min-width: 660px) { .loan-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 980px) { .loan-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.loan-card { display: flex; flex-direction: column; }
.loan-card p { flex-grow: 1; }
.loan-card .spec { display: grid; gap: var(--space-2); margin-top: var(--space-5); padding-top: var(--space-5); border-top: 1px solid var(--border-soft); }
.loan-card .spec .row { display: flex; justify-content: space-between; gap: var(--space-4); font-size: var(--fs-xs); }
.loan-card .spec .k { color: var(--text-faint); text-transform: uppercase; letter-spacing: .08em; }
.loan-card .spec .v { color: var(--text); font-weight: 600; font-family: var(--font-body); text-align: right; }
.loan-card .more { margin-top: var(--space-5); font-size: var(--fs-sm); font-weight: 600; color: var(--accent); display: inline-flex; align-items: center; gap: .4rem; }
.loan-card .more svg { width: 16px; height: 16px; transition: transform var(--transition); }
.loan-card:hover .more svg { transform: translateX(3px); }

/* ---------- Pricing (processing services) ---------- */
.price-grid { display: grid; gap: var(--space-5); align-items: stretch; }
@media (min-width: 860px) { .price-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.price-card { display: flex; flex-direction: column; text-align: left; position: relative; }
.price-card.featured { border-color: var(--accent); box-shadow: var(--shadow-accent); }
.price-card .plan { font-size: var(--fs-xs); font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--accent); margin-bottom: var(--space-3); }
.price-card .price { font-family: var(--font-display); font-weight: 600; font-size: var(--fs-2xl); color: var(--text); line-height: 1; }
.price-card .price span { font-family: var(--font-body); font-size: var(--fs-sm); font-weight: 500; color: var(--text-faint); }
.price-card .eligible { margin-top: var(--space-5); padding-top: var(--space-5); border-top: 1px solid var(--border-soft); flex-grow: 1; }
.price-card .eligible h4 { font-family: var(--font-body); font-size: var(--fs-xs); font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--text-faint); margin-bottom: var(--space-3); }
.price-card .eligible ul { display: grid; gap: var(--space-2); }
.price-card .eligible li { display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: var(--space-2); font-size: var(--fs-sm); color: var(--text-muted); }
.price-card .eligible svg { width: 18px; height: 18px; color: var(--accent); margin-top: 3px; }
.price-card .avail { margin-top: var(--space-5); font-size: var(--fs-xs); color: var(--text-muted); display: inline-flex; align-items: center; gap: .45rem; }
.price-card .avail svg { width: 16px; height: 16px; color: var(--accent); }

.addons { display: grid; gap: var(--space-4); margin-top: var(--space-6); }
@media (min-width: 760px) { .addons { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.addon { background: var(--bg-2); border: 1px solid var(--border); border-radius: var(--radius); padding: var(--space-5); }
.addon .k { font-size: var(--fs-sm); color: var(--text-muted); }
.addon .v { font-family: var(--font-display); font-weight: 600; font-size: var(--fs-lg); color: var(--text); margin-top: var(--space-2); }

/* ---------- Media figure (photo blocks) ---------- */
.media-figure { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); border: 1px solid var(--border); position: relative; }
.media-figure img { width: 100%; height: 100%; object-fit: cover; display: block; }
.media-figure.tall img { aspect-ratio: 4 / 5; }
.media-figure.wide img { aspect-ratio: 16 / 10; }

/* ---------- Principal / Bio cards (two-partner layout) ---------- */
.principals { display: grid; gap: var(--space-6); }
@media (min-width: 880px) { .principals { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); } }
.principal {
  background: var(--surface); border: 1px solid var(--border);
  border-radius: var(--radius-lg); padding: var(--space-7); position: relative; overflow: hidden;
  display: flex; flex-direction: column; box-shadow: var(--shadow-sm);
}
.principal::after { content:""; position:absolute; top:0; left:0; right:0; height:4px; background: var(--grad-accent); }
.principal.gold::after { background: var(--grad-gold); }
.principal .p-head { display: flex; align-items: center; gap: var(--space-4); margin-bottom: var(--space-5); }
.principal .avatar {
  width: 64px; height: 64px; border-radius: 50%; flex-shrink: 0;
  display: grid; place-items: center; font-family: var(--font-display); font-weight: 600; font-size: 1.5rem;
  color: #fff; background: var(--grad-accent); border: 1px solid rgba(0,0,0,.06);
}
.principal.gold .avatar { background: var(--grad-gold); }
.principal .p-name { font-family: var(--font-display); font-size: var(--fs-lg); color: var(--text); line-height: 1.15; }
.principal .p-role { font-size: var(--fs-sm); color: var(--accent); font-weight: 500; }
.principal.gold .p-role { color: #a87b32; }
.principal p { font-size: var(--fs-sm); margin-bottom: var(--space-4); }
.principal .feature-list { margin-top: auto; }
.principal .p-meta { margin-top: var(--space-5); padding-top: var(--space-5); border-top: 1px solid var(--border-soft); display: grid; gap: var(--space-2); }
.principal .p-meta .row { display: flex; gap: var(--space-3); font-size: var(--fs-xs); color: var(--text-faint); }
.principal .p-meta .row span { color: var(--text-muted); }

/* ---------- Process / Steps ---------- */
.steps { counter-reset: step; display: grid; gap: var(--space-5); }
@media (min-width: 860px) { .steps { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.step { position: relative; padding: var(--space-6); background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
.step::before {
  counter-increment: step; content: counter(step, decimal-leading-zero);
  font-family: var(--font-display); font-size: 1.7rem; font-weight: 600;
  color: var(--accent); display: block; margin-bottom: var(--space-4);
}
.step h3 { font-size: var(--fs-md); margin-bottom: var(--space-3); }
.step p { font-size: var(--fs-sm); }

/* ---------- Stats ---------- */
.stats { display: grid; gap: var(--space-5); text-align: center; }
@media (min-width: 680px) { .stats { grid-template-columns: repeat(4, minmax(0, 1fr)); } }
.stat .num { font-family: var(--font-display); font-weight: 600; font-size: var(--fs-2xl); background: var(--grad-accent); -webkit-background-clip: text; background-clip: text; color: transparent; line-height: 1; }
.stat .label { display: block; margin-top: var(--space-3); font-size: var(--fs-sm); color: var(--text-muted); }

/* ---------- Split / Feature rows ---------- */
.split { display: grid; gap: var(--space-7); align-items: center; }
/* minmax(0, Nfr), not bare Nfr — a bare fr track's minimum size defaults to
   "auto" (its content's min-content), and some browsers (older Safari/
   WebKit especially) resolve that incorrectly for text-heavy columns,
   collapsing one track to its narrowest wrappable word while the other
   grabs the leftover space. Explicit 0 minimums remove the ambiguity. */
@media (min-width: 920px) { .split { grid-template-columns: minmax(0, 1.05fr) minmax(0, .95fr); } .split.reverse > :first-child { order: 2; } }
.feature-list { display: grid; gap: var(--space-4); margin-top: var(--space-5); }
.feature-list li { display: grid; grid-template-columns: 26px minmax(0, 1fr); gap: var(--space-3); align-items: start; color: var(--text-muted); font-size: var(--fs-sm); }
.feature-list svg { width: 22px; height: 22px; color: var(--accent); margin-top: 2px; }

/* Visual panel (decorative) */
.panel {
  background: var(--grad-surface); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: var(--space-6); box-shadow: var(--shadow); position: relative; overflow: hidden;
}
.panel-row { display: flex; align-items: center; justify-content: space-between; gap: var(--space-4); padding: var(--space-4) 0; border-bottom: 1px solid var(--border-soft); }
.panel-row:last-child { border-bottom: 0; }
.panel-row .k { font-size: var(--fs-sm); color: var(--text-muted); }
.panel-row .v { font-family: var(--font-display); font-weight: 600; color: var(--text); }
.panel-row .v.up { color: var(--success); }

/* ---------- Comparison (old vs new) ---------- */
.compare { display: grid; gap: var(--space-5); }
@media (min-width: 820px) { .compare { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); } }
.compare .col { border-radius: var(--radius); padding: var(--space-6); border: 1px solid var(--border); }
.compare .col.old { background: var(--bg-2); }
.compare .col.new { background: var(--surface); border-color: rgba(0,98,227,.35); box-shadow: var(--shadow-accent); }
.compare h3 { font-size: var(--fs-md); margin-bottom: var(--space-4); }
.compare ul { display: grid; gap: var(--space-3); }
.compare li { display: grid; grid-template-columns: 24px minmax(0, 1fr); gap: var(--space-3); font-size: var(--fs-sm); color: var(--text-muted); }
.compare svg { width: 20px; height: 20px; margin-top: 2px; flex-shrink: 0; }
.compare .old svg { color: var(--warn); }
.compare .new svg { color: var(--success); }

/* ---------- Audience cards ---------- */
.audience .card { display: flex; flex-direction: column; }
.audience .card p { flex-grow: 1; }

/* ---------- Testimonial ---------- */
.quote { max-width: 60rem; margin-inline: auto; text-align: center; }
.quote .stars { display: inline-flex; gap: 3px; justify-content: center; margin-bottom: var(--space-5); }
.quote .stars svg { width: 22px; height: 22px; color: var(--gold); fill: var(--gold); }
.quote blockquote { font-family: var(--font-display); font-size: var(--fs-xl); line-height: 1.35; letter-spacing: -.01em; color: var(--text); margin-bottom: var(--space-5); }
.quote blockquote::before { content: "\201C"; color: var(--accent); }
.quote blockquote::after { content: "\201D"; color: var(--accent); }
.quote cite { font-style: normal; color: var(--text-muted); font-size: var(--fs-sm); }
.quote cite strong { display: block; color: var(--text); }

/* ---------- FAQ ---------- */
.faq { max-width: 52rem; margin-inline: auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q {
  width: 100%; display: flex; align-items: center; justify-content: space-between; gap: var(--space-4);
  background: transparent; border: 0; cursor: pointer; text-align: left;
  padding: var(--space-5) 0; color: var(--text); font-family: var(--font-display);
  font-weight: 600; font-size: var(--fs-md);
}
.faq-q .chev { width: 22px; height: 22px; color: var(--accent); flex-shrink: 0; transition: transform var(--transition); }
.faq-q[aria-expanded="true"] .chev { transform: rotate(180deg); }
.faq-a { overflow: hidden; max-height: 0; transition: max-height var(--transition); }
.faq-a > div { padding-bottom: var(--space-5); color: var(--text-muted); font-size: var(--fs-sm); }

/* ---------- CTA band ---------- */
.cta-band { position: relative; overflow: hidden; border-radius: var(--radius-lg); padding: clamp(2.5rem,6vw,4.5rem); text-align: center; background: var(--navy); border: 1px solid var(--navy); color: #fff; }
.cta-band::before { content:""; position:absolute; inset:0; z-index:0; background: radial-gradient(60% 120% at 50% 0%, rgba(0,110,253,.30), transparent 60%); }
.cta-band > * { position: relative; z-index: 1; }
.cta-band .eyebrow { color: #58b9da; }
.cta-band h2 { margin-bottom: var(--space-4); color: #fff; }
.cta-band p { margin-inline: auto; margin-bottom: var(--space-6); max-width: 52ch; color: #d7dde3; }
.cta-band .btn-ghost { color: #fff; border-color: rgba(255,255,255,.35); }
.cta-band .btn-ghost:hover { color: #fff; border-color: #fff; background: rgba(255,255,255,.1); }
.cta-band .hero-cta { justify-content: center; margin-bottom: 0; }

/* ---------- Forms ---------- */
.form { display: grid; gap: var(--space-4); }
.form .row { display: grid; gap: var(--space-4); }
@media (min-width: 620px) { .form .row.two { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); } }
.field { display: grid; gap: .4rem; }
.field label { font-size: var(--fs-sm); font-weight: 500; color: var(--text); }
.field .req { color: var(--accent); }
.field input, .field select, .field textarea {
  width: 100%; font-family: var(--font-body); font-size: var(--fs-base); color: var(--text);
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius-sm);
  padding: .85rem 1rem; transition: border-color var(--transition), box-shadow var(--transition);
}
.field input::placeholder, .field textarea::placeholder { color: var(--text-faint); }
.field input:focus, .field select:focus, .field textarea:focus {
  outline: none; border-color: var(--accent); box-shadow: 0 0 0 3px rgba(0,98,227,.16);
}
.field textarea { resize: vertical; min-height: 130px; }
.field .hint { font-size: var(--fs-xs); color: var(--text-faint); }
.form-note { font-size: var(--fs-xs); color: var(--text-faint); }
.form-success {
  display: none; padding: var(--space-5); border-radius: var(--radius);
  background: rgba(31,157,107,.08); border: 1px solid rgba(31,157,107,.3); color: var(--text);
}
.form-success.show { display: block; }

/* Contact layout */
.contact-grid { display: grid; gap: var(--space-7); }
@media (min-width: 920px) { .contact-grid { grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); } }
.contact-aside .card { height: auto; margin-bottom: var(--space-4); }
.contact-aside .card:last-child { margin-bottom: 0; }
.contact-aside .card h3 { font-size: var(--fs-md); margin-bottom: var(--space-2); }
.contact-aside .card .sub { font-size: var(--fs-xs); color: var(--accent); margin-bottom: var(--space-5); font-weight: 500; }
.contact-aside .ci { display: flex; gap: var(--space-4); align-items: flex-start; margin-bottom: var(--space-5); }
.contact-aside .ci:last-child { margin-bottom: 0; }
.contact-aside .ci svg { width: 22px; height: 22px; color: var(--accent); flex-shrink: 0; margin-top: 3px; }
.contact-aside .ci .k { font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: .1em; color: var(--text-faint); }
.contact-aside .ci .v { color: var(--text); font-weight: 500; }

/* ---------- License / Disclosure grid ---------- */
.license-grid { display: grid; gap: var(--space-5); }
@media (min-width: 760px) { .license-grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); } }
.license-card { background: var(--surface); border: 1px solid var(--border); border-radius: var(--radius); padding: var(--space-6); box-shadow: var(--shadow-sm); }
.license-card h3 { font-size: var(--fs-md); margin-bottom: var(--space-2); }
.license-card .sub { font-size: var(--fs-xs); color: var(--accent); font-weight: 500; margin-bottom: var(--space-4); }
.license-card dl { display: grid; grid-template-columns: auto minmax(0, 1fr); gap: var(--space-2) var(--space-4); font-size: var(--fs-sm); }
.license-card dt { color: var(--text-faint); }
.license-card dd { color: var(--text); }
.state-list { display: flex; flex-wrap: wrap; gap: var(--space-2); margin-top: var(--space-4); }
.state-list span { font-size: var(--fs-xs); color: var(--text-muted); background: var(--bg-2); border: 1px solid var(--border); border-radius: 999px; padding: .25rem .7rem; }
.ehl-badge { display: inline-flex; align-items: center; gap: .6rem; font-size: var(--fs-xs); color: var(--text-muted); border: 1px solid var(--border); border-radius: var(--radius-sm); padding: .5rem .9rem; }
.ehl-badge svg { width: 22px; height: 22px; color: var(--text); flex-shrink: 0; }

/* ---------- Footer (dark grounding section) ---------- */
.site-footer {
  /* re-scope tokens to dark so the shared footer markup flips automatically */
  --text: #f3f6fb;
  --text-muted: #aeb8c4;
  --text-faint: #7e8a98;
  --border: #233040;
  --border-soft: #1b2530;
  --accent: #58b9da;
  background: var(--navy); border-top: 1px solid #233040;
  padding-block: var(--space-8) var(--space-6); margin-top: 0; color: var(--text);
}
.site-footer .brand-name { color: #fff; }
.site-footer .brand-name span { color: var(--accent); }
.footer-top { display: grid; gap: var(--space-7); margin-bottom: var(--space-7); }
@media (min-width: 800px) { .footer-top { grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr) minmax(0, 1fr) minmax(0, 1fr); } }
.footer-brand p { font-size: var(--fs-sm); max-width: 34ch; margin-top: var(--space-4); color: var(--text-muted); }
.footer-social { display: flex; gap: var(--space-3); margin-top: var(--space-5); }
.footer-social a { width: 40px; height: 40px; display: grid; place-items: center; border: 1px solid var(--border); border-radius: var(--radius-sm); color: var(--text-muted); transition: color var(--transition), border-color var(--transition); }
.footer-social a:hover { color: var(--accent); border-color: var(--accent); }
.footer-social svg { width: 20px; height: 20px; }
.footer-col h2 { font-family: var(--font-body); font-size: var(--fs-sm); font-weight: 600; line-height: 1.2; letter-spacing: .04em; margin-bottom: var(--space-4); color: #fff; }
.footer-col ul { display: grid; gap: var(--space-3); }
.footer-col a, .footer-col button.linklike { color: var(--text-muted); font-size: var(--fs-sm); background: none; border: 0; padding: 0; cursor: pointer; font-family: inherit; text-align: left; }
.footer-col a:hover, .footer-col button.linklike:hover { color: var(--accent); }
.footer-bottom { display: flex; flex-wrap: wrap; gap: var(--space-4); align-items: center; justify-content: space-between; padding-top: var(--space-5); border-top: 1px solid var(--border); }
.footer-bottom p { font-size: var(--fs-xs); color: var(--text-faint); }
.footer-legal { display: flex; gap: var(--space-5); flex-wrap: wrap; align-items: center; }
.footer-legal a, .footer-legal button.linklike { font-size: var(--fs-xs); color: var(--text-faint); background: none; border: 0; padding: 0; cursor: pointer; font-family: inherit; }
.footer-legal a:hover, .footer-legal button.linklike:hover { color: var(--accent); }
.disclaimer { font-size: var(--fs-xs); color: var(--text-faint); line-height: 1.6; max-width: 100ch; margin-top: var(--space-5); }
.disclaimer + .disclaimer { margin-top: var(--space-3); }
.site-footer .disclaimer strong { color: var(--text-muted); }
.site-footer .disclaimer a { color: var(--accent); }

/* ---------- Page hero (interior pages) ---------- */
.page-hero { position: relative; padding-block: clamp(3rem,7vw,5.5rem) clamp(2rem,4vw,3rem); overflow: hidden; background: var(--bg-2); border-bottom: 1px solid var(--border); }
.page-hero::before { content:""; position:absolute; inset:0; z-index:0; background: radial-gradient(50% 90% at 85% 0%, rgba(0,98,227,.08), transparent 60%); }
.page-hero > * { position: relative; z-index: 1; }
.page-hero .eyebrow { justify-content: flex-start; }
.page-hero h1 { margin-bottom: var(--space-4); max-width: 22ch; }
.page-hero .lede { max-width: 60ch; }

/* Processing-page "fit check" card — highlighted intake questions, pinned
   beside the hero copy rather than buried mid-page. */
.intake-card { max-width: 460px; }
.intake-groups { display: grid; gap: var(--space-5); margin-top: var(--space-4); }
.intake-group h4 {
  font-family: var(--font-body); font-size: var(--fs-xs); font-weight: 700;
  color: var(--accent-deep); text-transform: uppercase; letter-spacing: .06em;
  margin-bottom: var(--space-2);
}
.intake-group ul { display: grid; gap: var(--space-2); padding-left: 1.1rem; margin: 0; }
.intake-group li { font-size: var(--fs-sm); color: var(--text-muted); list-style: disc; }
.breadcrumb { font-size: var(--fs-xs); color: var(--text-faint); margin-bottom: var(--space-5); }
.breadcrumb a { color: var(--text-muted); }
.breadcrumb [aria-current] { color: var(--accent); }

/* ---------- Prose (legal pages) ---------- */
.prose { max-width: 76ch; }
.prose h2 { font-size: var(--fs-lg); margin-top: var(--space-7); margin-bottom: var(--space-4); }
.prose h3 { font-size: var(--fs-md); margin-top: var(--space-5); margin-bottom: var(--space-3); }
.prose p, .prose li { color: var(--text-muted); font-size: var(--fs-sm); }
.prose p { margin-bottom: var(--space-4); }
.prose ul { list-style: disc; padding-left: 1.4rem; display: grid; gap: var(--space-2); margin-bottom: var(--space-4); }
.prose a { text-decoration: underline; }

/* ---------- Cookie consent ---------- */
.cc-banner {
  position: fixed; left: 50%; bottom: clamp(1rem, 3vw, 1.75rem); transform: translateX(-50%) translateY(0);
  z-index: 900; width: min(680px, calc(100% - 2rem));
  background: #fff; border: 1px solid var(--border); border-radius: var(--radius); box-shadow: var(--shadow);
  padding: var(--space-5); display: grid; gap: var(--space-4);
  opacity: 1; transition: opacity var(--transition), transform var(--transition);
}
.cc-banner[hidden] { display: none; }
.cc-banner.cc-hide { opacity: 0; transform: translateX(-50%) translateY(12px); pointer-events: none; }
@media (min-width: 620px) { .cc-banner { grid-template-columns: 1fr auto; align-items: center; } }
.cc-banner p { font-size: var(--fs-sm); color: var(--text-muted); margin: 0; }
.cc-banner p strong { color: var(--text); }
.cc-banner a { text-decoration: underline; }
.cc-actions { display: flex; flex-wrap: wrap; gap: var(--space-3); }
.cc-actions .btn { padding: .65rem 1.1rem; font-size: var(--fs-sm); white-space: nowrap; }

.cc-modal { position: fixed; inset: 0; z-index: 1000; display: grid; place-items: center; padding: 1rem; }
.cc-modal[hidden] { display: none; }
.cc-modal-backdrop { position: absolute; inset: 0; background: rgba(10,18,24,.55); -webkit-backdrop-filter: blur(2px); backdrop-filter: blur(2px); }
.cc-dialog { position: relative; z-index: 1; width: min(560px, 100%); max-height: 90vh; overflow-y: auto; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: clamp(1.5rem, 4vw, 2.25rem); }
.cc-dialog h2 { font-size: var(--fs-lg); margin-bottom: var(--space-2); }
.cc-dialog > p { font-size: var(--fs-sm); margin-bottom: var(--space-5); }
.cc-option { display: grid; grid-template-columns: 1fr auto; gap: var(--space-2) var(--space-4); align-items: start; padding: var(--space-4) 0; border-top: 1px solid var(--border-soft); }
.cc-option h3 { font-size: var(--fs-md); }
.cc-option p { font-size: var(--fs-xs); color: var(--text-muted); grid-column: 1 / -1; margin: 0; }
.cc-switch { position: relative; display: inline-flex; }
.cc-switch input { position: absolute; opacity: 0; width: 44px; height: 24px; margin: 0; cursor: pointer; }
.cc-switch .track { width: 44px; height: 24px; border-radius: 999px; background: var(--border); transition: background var(--transition); position: relative; }
.cc-switch .track::after { content: ""; position: absolute; top: 2px; left: 2px; width: 20px; height: 20px; border-radius: 50%; background: #fff; box-shadow: var(--shadow-sm); transition: transform var(--transition); }
.cc-switch input:checked + .track { background: var(--accent); }
.cc-switch input:checked + .track::after { transform: translateX(20px); }
.cc-switch input:disabled + .track { opacity: .55; }
.cc-switch input:focus-visible + .track { outline: 3px solid var(--focus); outline-offset: 2px; }
.cc-dialog .cc-actions { margin-top: var(--space-6); justify-content: flex-end; }

/* ---------- Quick-quote modal (per loan program) ---------- */
.quote-modal { position: fixed; inset: 0; z-index: 1000; display: grid; place-items: center; padding: 1rem; }
.quote-modal[hidden] { display: none; }
.quote-modal-backdrop { position: absolute; inset: 0; background: rgba(10,18,24,.55); -webkit-backdrop-filter: blur(2px); backdrop-filter: blur(2px); }
.quote-dialog { position: relative; z-index: 1; width: min(600px, 100%); max-height: 90vh; overflow-y: auto; background: #fff; border: 1px solid var(--border); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: clamp(1.5rem, 4vw, 2.25rem); }
.quote-dialog-close {
  position: absolute; top: 1rem; right: 1rem; width: 36px; height: 36px;
  display: grid; place-items: center; border-radius: 999px; border: 1px solid var(--border);
  background: #fff; color: var(--text-muted); cursor: pointer; transition: color var(--transition), border-color var(--transition);
}
.quote-dialog-close:hover { color: var(--text); border-color: var(--accent); }
.quote-dialog-close svg { width: 18px; height: 18px; }
.quote-dialog .eyebrow { margin-bottom: var(--space-2); }
.quote-dialog h2 { font-size: var(--fs-lg); margin-bottom: var(--space-2); padding-right: 2rem; }
.quote-dialog > p.lede { font-size: var(--fs-sm); margin-bottom: var(--space-5); max-width: none; }
.quote-tabs { display: flex; gap: var(--space-2); margin-bottom: var(--space-5); border-bottom: 1px solid var(--border-soft); }
.quote-tab {
  flex: 1; padding: .75rem 1rem; font-family: var(--font-body); font-weight: 600; font-size: var(--fs-sm);
  color: var(--text-muted); background: transparent; border: 0; border-bottom: 2px solid transparent;
  cursor: pointer; transition: color var(--transition), border-color var(--transition);
}
.quote-tab[aria-selected="true"] { color: var(--accent); border-color: var(--accent); }
.quote-panel[hidden] { display: none; }
.quote-contact { margin-top: var(--space-5); padding-top: var(--space-5); border-top: 1px solid var(--border-soft); display: grid; gap: var(--space-4); }

/* ---------- Chip select (native radio/checkbox styled as pills) ----------
   The input stays real (not display:none) so it's keyboard/AT operable and
   the site's existing generic field-collector (walks input[name]/select[name]
   /textarea[name] and reads .value) picks it up with zero new JS. */
.chip-group { display: flex; flex-wrap: wrap; gap: var(--space-2); }
.chip-option { position: relative; display: inline-flex; }
.chip-option input { position: absolute; inset: 0; opacity: 0; margin: 0; cursor: pointer; }
.chip-option label {
  display: inline-flex; align-items: center; padding: .55rem 1.1rem;
  border: 1px solid var(--border); border-radius: 999px;
  font-size: var(--fs-sm); font-weight: 500; color: var(--text-muted); white-space: nowrap;
  cursor: pointer; background: #fff;
  transition: border-color var(--transition), background var(--transition), color var(--transition);
}
.chip-option label:hover { border-color: var(--accent); color: var(--text); }
.chip-option input:checked + label { border-color: var(--accent); background: var(--accent); color: #fff; }
.chip-option input:focus-visible + label { box-shadow: 0 0 0 3px rgba(0,98,227,.16); }

.scenario-panel { display: grid; gap: var(--space-4); }
.scenario-panel[hidden] { display: none; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } }

/* ---------- Utilities ---------- */
.text-center { text-align: center; }
.mt-6 { margin-top: var(--space-6); }
.mb-0 { margin-bottom: 0; }
.flex-cta { display: flex; flex-wrap: wrap; gap: var(--space-4); }
.center-cta { display: flex; justify-content: center; flex-wrap: wrap; gap: var(--space-4); margin-top: var(--space-7); }