*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}body{margin:0}img{max-width:100%;display:block}[hidden]{display:none!important}.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:16px;z-index:99;background:#fff;padding:8px 12px;border-radius:8px}
:root{color-scheme:light;
  --sand:#F3EBDD; --paper:#FBF7F0; --card:#FFFFFF;
  --green:#1F3D33; --green-2:#2E5646; --terra:#B4532F; --terra-soft:#F1DCCF;
  --ink:#2A2420; --muted:#6B5F55; --line:#E2D7C5;
  --good:#2F7A4F; --warn:#B7791F; --bad:#B03A2E;
  --on-green:#F6EFE3;
  --display:"Bricolage Grotesque", "Avenir Next", system-ui, sans-serif;
  --body:"Figtree", "Segoe UI", system-ui, sans-serif;
  --r:14px;
}
*{box-sizing:border-box}
body{background:var(--paper);color:var(--ink);font:16px/1.6 var(--body);}
.wrap{max-width:1160px;margin:0 auto;padding-inline:20px}
h1,h2,h3{font-family:var(--display);line-height:1.1;text-wrap:balance;margin:0}
h2{font-size:clamp(28px,4vw,42px);font-weight:800;letter-spacing:-.01em}
h3{font-size:20px;font-weight:600}
p{margin:0}
a{color:inherit}
.eyebrow{font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--terra)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:999px;font:600 15px var(--body);border:0;cursor:pointer;text-decoration:none}
.btn-primary{background:var(--terra);color:#fff}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line)}
.btn:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible{outline:3px solid var(--terra);outline-offset:2px}

/* top strip + nav */
.strip{background:var(--green);color:var(--on-green);font-size:13px}
.strip .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-block:8px}
nav.top{position:sticky;top:env(safe-area-inset-top,0px);z-index:10;background:color-mix(in srgb,var(--paper) 92%,transparent);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
nav.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-block:14px}
.logo{font-family:var(--display);font-weight:800;font-size:22px;letter-spacing:.02em}
.logo span{color:var(--terra)}
.links{display:flex;gap:24px;font-weight:500;font-size:15px}
.links a{text-decoration:none;color:var(--muted)}
.links a:hover{color:var(--ink)}
@media (max-width:860px){.links{display:none}}

/* hero */
.hero{background:var(--sand);padding-block:56px 64px}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
@media (max-width:900px){.hero .wrap{grid-template-columns:1fr}}
.hero h1{font-size:clamp(38px,6vw,64px);font-weight:800;letter-spacing:-.02em}
.hero h1 em{font-style:normal;color:var(--terra)}
.hero-copy{display:grid;gap:22px}
.hero-copy p.lead{font-size:19px;color:var(--muted);max-width:52ch}
.me{display:flex;align-items:center;gap:14px}
.avatar{width:64px;height:64px;border-radius:50%;object-fit:cover;background:var(--green);color:var(--on-green);display:grid;place-items:center;font:800 20px var(--display);flex:none}
.me small{display:block;color:var(--muted);font-size:13px}
.ctas{display:flex;gap:12px;flex-wrap:wrap}

.paths{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:26px;display:grid;gap:14px;box-shadow:0 20px 50px -30px rgba(42,36,32,.35)}
.paths h3{font-size:22px}
.path{display:grid;grid-template-columns:44px 1fr auto;gap:14px;align-items:center;text-align:left;width:100%;padding:16px;border-radius:14px;border:1.5px solid var(--line);background:var(--paper);color:var(--ink);cursor:pointer;font:inherit}
.path:hover{border-color:var(--terra)}
.path .ic{width:44px;height:44px;border-radius:12px;background:var(--terra-soft);display:grid;place-items:center;color:var(--terra)}
.path b{display:block;font-size:16px}
.path span{font-size:14px;color:var(--muted)}
.path .arrow{color:var(--terra);font-weight:700}

/* trust bar */
.trust{border-bottom:1px solid var(--line)}
.trust .wrap{display:flex;flex-wrap:wrap;gap:12px 32px;justify-content:space-between;padding-block:18px;font-size:14px;color:var(--muted)}
.trust b{color:var(--ink)}

section.block{padding-block:72px}
.head{display:grid;gap:10px;margin-bottom:32px;max-width:680px}
.head p{color:var(--muted);font-size:17px}

/* tools */
.tools{background:var(--paper)}
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:10px}
.tab{padding:10px 16px;border-radius:999px;border:1.5px solid var(--line);background:transparent;color:var(--ink);font:600 14px var(--body);cursor:pointer}
.tab[aria-selected="true"]{background:var(--green);border-color:var(--green);color:var(--on-green)}
.tab small{font-weight:500;opacity:.7;margin-left:6px}
.calc{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid var(--line);border-radius:22px;overflow:hidden;background:var(--card)}
@media (max-width:820px){.calc{grid-template-columns:1fr}}
.calc-in{padding:28px;display:grid;gap:16px;align-content:start}
.fields{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:480px){.form .fields{grid-template-columns:1fr}}
label{display:grid;gap:6px;font-size:13px;font-weight:600;color:var(--muted)}
input,select{font:500 16px var(--body);color:var(--ink);background:var(--paper);border:1.5px solid var(--line);border-radius:10px;padding:10px 12px;width:100%;font-variant-numeric:tabular-nums}
.calc-out{background:var(--green);color:var(--on-green);padding:28px;display:grid;gap:18px;align-content:start}
.big{font:800 clamp(40px,6vw,56px)/1 var(--display);font-variant-numeric:tabular-nums}
.big-label{font-size:13px;letter-spacing:.12em;text-transform:uppercase;opacity:.75}
.rows{display:grid;gap:0;border-top:1px solid rgba(255,255,255,.15)}
.row{display:flex;justify-content:space-between;gap:12px;padding-block:10px;border-bottom:1px solid rgba(255,255,255,.15);font-variant-numeric:tabular-nums;font-size:15px}
.row span:first-child{opacity:.8}
.pill{display:inline-block;padding:5px 12px;border-radius:999px;font-size:13px;font-weight:700;background:rgba(255,255,255,.14)}
.pill.good{background:#CFE9D8;color:#1D4D31}.pill.warn{background:#F6E3BF;color:#6B4510}.pill.bad{background:#F4D3CE;color:#6E2119}
.gauge{height:10px;border-radius:99px;background:rgba(255,255,255,.15);position:relative;overflow:hidden}
.gauge i{position:absolute;inset:0 auto 0 0;background:var(--terra);border-radius:99px;transition:width .3s}
.calc-note{font-size:12px;opacity:.75}
.calc-cta{background:var(--on-green);color:var(--green)}
.fine{font-size:12px;color:var(--muted);margin-top:12px;max-width:90ch}

/* market */
.market{background:var(--sand)}
.market-grid{display:grid;grid-template-columns:1.4fr 1fr;gap:24px}
@media (max-width:860px){.market-grid{grid-template-columns:1fr}}
.post{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:28px;display:grid;gap:14px}
.post .date{font-size:13px;color:var(--muted);display:flex;gap:10px;align-items:center;flex-wrap:wrap}
.tag{font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:3px 9px;border-radius:99px;background:var(--terra-soft);color:var(--terra)}
.post ul{margin:0;padding-left:20px;display:grid;gap:6px}
.archive{display:grid;gap:0;align-content:start}
.archive a{display:flex;justify-content:space-between;gap:12px;padding:16px 4px;border-bottom:1px solid var(--line);text-decoration:none}
.archive a span{color:var(--muted);font-size:14px;white-space:nowrap}
.subscribe{display:flex;gap:8px;margin-top:16px;flex-wrap:wrap}
.subscribe input{flex:1 1 200px}

/* programs */
.programs{display:grid;grid-template-columns:1fr 1fr;gap:24px}
@media (max-width:820px){.programs{grid-template-columns:1fr}}
.prog{border-radius:22px;padding:30px;display:grid;gap:18px;align-content:start}
.prog.buyers{background:var(--terra-soft)}
.prog.investors{background:var(--green);color:var(--on-green)}
.prog.investors .eyebrow{color:#F0B48F}
.prog ul{list-style:none;margin:0;padding:0;display:grid;gap:0}
.prog li{padding:13px 0;border-top:1px solid color-mix(in srgb,currentColor 18%,transparent);display:grid;gap:2px}
.prog li b{font-size:16px}
.prog li span{font-size:14px;opacity:.8}

/* about */
.about{display:grid;grid-template-columns:.8fr 1.2fr;gap:48px;align-items:start}
@media (max-width:820px){.about{grid-template-columns:1fr}}
.photo{aspect-ratio:4/5;width:100%;max-width:100%;border-radius:22px;object-fit:cover;object-position:center 30%;display:block}
.about-copy{display:grid;gap:18px}
.about-copy p{font-size:17px;color:var(--muted);max-width:60ch}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:8px}
@media (max-width:700px){.steps{grid-template-columns:1fr 1fr}}
.step{display:grid;gap:4px}
.step b{font:800 26px var(--display);color:var(--terra)}
.step span{font-size:14px;color:var(--muted)}

/* reviews */
.reviews{background:var(--sand)}
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media (max-width:860px){.rev-grid{grid-template-columns:1fr}}
.rev{background:var(--card);border-radius:18px;padding:24px;display:grid;gap:14px;align-content:space-between;border:1px solid var(--line)}
.stars{color:var(--terra);letter-spacing:2px}
.rev p{font-size:15px}
.rev small{color:var(--muted)}
.rev-top{display:flex;justify-content:space-between;align-items:end;gap:20px;flex-wrap:wrap;margin-bottom:28px}
.score{display:flex;align-items:center;gap:14px;text-decoration:none;background:var(--card);border:1px solid var(--line);border-radius:16px;padding:12px 18px;font-size:13px;color:var(--muted)}
.score>b{font:800 40px/1 var(--display);color:var(--ink)}
.feature{margin:0 0 24px;background:var(--green);color:var(--on-green);border-radius:22px;padding:clamp(24px,4vw,44px);display:grid;gap:14px}
.feature blockquote{margin:0;font:600 clamp(22px,3vw,32px)/1.3 var(--display);text-wrap:balance;max-width:34ch}
.feature figcaption{font-size:14px;opacity:.8}
.rtag{justify-self:start;font-size:11px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:4px 10px;border-radius:99px;background:var(--terra-soft);color:var(--terra)}
.rev{align-content:start}
.rev small{margin-top:auto}
.facts{display:grid;grid-template-columns:1fr 1fr;gap:16px;border-top:1px solid var(--line);padding-top:18px}
@media (max-width:560px){.facts{grid-template-columns:1fr}}
.facts div{display:grid;gap:4px;font-size:14px;color:var(--muted)}
.facts b{color:var(--ink);font-size:13px;letter-spacing:.08em;text-transform:uppercase}
.facts a{color:var(--terra);font-weight:600}

/* states */
.states{display:flex;flex-wrap:wrap;gap:8px}
.states span{padding:6px 12px;border:1px solid var(--line);border-radius:99px;font-size:14px}
.states span.home{background:var(--green);color:var(--on-green);border-color:var(--green);font-weight:600}

/* contact */
.contact{background:var(--green);color:var(--on-green)}
.contact .wrap{display:grid;grid-template-columns:1fr 1fr;gap:48px}
@media (max-width:860px){.contact .wrap{grid-template-columns:1fr}}
.contact .eyebrow{color:#F0B48F}
.contact p{opacity:.85}
.form{background:var(--card);color:var(--ink);border-radius:22px;padding:28px;display:grid;gap:14px}
.consent{display:grid;grid-template-columns:20px 1fr;gap:10px;font-size:12px;font-weight:400;color:var(--muted);align-items:start}
.consent input{width:18px;height:18px;margin-top:2px}
.ok{background:#CFE9D8;color:#1D4D31;padding:12px;border-radius:10px;font-size:14px}
.direct{display:grid;gap:10px;margin-top:22px;font-size:16px}
.direct b{font-family:var(--display)}

footer{background:var(--sand);padding-block:40px;font-size:12px;color:var(--muted)}
footer .wrap{display:grid;gap:14px}
footer .ehl{display:flex;align-items:center;gap:10px;font-weight:700;color:var(--ink);font-size:13px}
.ehl-box{width:34px;height:34px;border:2px solid var(--ink);display:grid;place-items:center;font-size:9px;font-weight:800;line-height:1}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}

/* ---- production additions ---- */
a{color:inherit}
.strip a,.contact a{color:inherit;text-decoration-thickness:1px;text-underline-offset:3px}
.logo{text-decoration:none;color:var(--ink);font-size:20px;letter-spacing:.04em}
.paths-title{font:600 22px/1.2 var(--display);margin:0}
.path>span:nth-child(2){font-size:inherit;color:inherit}
.path>span:nth-child(2)>span{display:block;font-size:14px;color:var(--muted)}
.path .arrow{font-size:18px}
.rev{margin:0}
.rev blockquote{margin:0;font-size:15px;line-height:1.55}
.rev figcaption{color:var(--muted);font-size:13px;margin-top:auto}
.feature{margin-inline:0}
.steps{list-style:none;margin:8px 0 0;padding:0}
.signoff{color:var(--ink)!important;font-weight:600}
textarea{font:500 16px var(--body);color:var(--ink);background:var(--paper);border:1.5px solid var(--line);border-radius:10px;padding:10px 12px;width:100%;resize:vertical}
textarea:focus-visible{outline:3px solid var(--terra);outline-offset:2px}
.form .fine a,.consent a{color:var(--terra)}
.post .ctas{margin-top:6px}
.faq{background:var(--paper)}
.faq-list{display:grid;gap:10px;max-width:820px}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px 20px}
.faq summary{cursor:pointer;font:600 18px/1.35 var(--display);list-style-position:outside}
.faq details p{margin-top:10px;color:var(--muted);max-width:70ch}
.head p a{color:var(--terra)}
footer a{color:inherit}
.footlinks a{color:var(--ink)}
.ehl svg{color:var(--ink)}
@media (max-width:760px){
  .fields{gap:10px}
  .tabs{flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none;-webkit-overflow-scrolling:touch;margin-inline:-20px;padding-inline:20px}
  .tabs::-webkit-scrollbar{display:none}
  .tab{flex:none;min-height:44px}
  .btn{min-height:48px}
  .ctas .btn{flex:1 1 auto;justify-content:center}
  .hero{padding-block:36px 44px}
  section.block{padding-block:56px}
  .nav-apply{padding:10px 16px}
}
@media (max-width:420px){.fields{grid-template-columns:1fr 1fr}.strip .wrap{justify-content:center;text-align:center}}
@media (max-width:340px){.fields{grid-template-columns:1fr}}
.doc{padding-block:48px 72px}
.doc .wrap{max-width:780px;display:grid;gap:14px}
.doc h1{font-size:clamp(32px,5vw,48px);font-weight:800}
.doc h2{font-size:22px;margin-top:18px}
.doc p{color:var(--muted);line-height:1.65}
.doc a:not(.btn){color:var(--terra)}
.doc .lede{font-size:18px}
.doc .ctas{margin-top:8px}
@media (max-width:600px){.strip .wrap>span:first-child{display:none}.strip .wrap{justify-content:center;padding-block:6px}.me small{font-size:12px}}
.photo{object-position:60% center;height:auto}
.search{background:var(--sand)}
.search-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
@media (max-width:860px){.search-grid{grid-template-columns:1fr;gap:24px}}
.search-box{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:26px;display:grid;gap:14px}
.search .head p a{color:var(--terra);font-weight:600}
.trust-link{color:inherit;text-decoration:none}.trust-link:hover u{color:var(--terra)}.trust-link u{text-underline-offset:3px}

/* ===== multi-page layout (2026-09-29) ===== */
.btn-light{background:var(--on-green);color:var(--green)}
.btn-ghost:hover{border-color:var(--terra)}
/* menu */
.menu{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:2px}
.menu>li>a.plain,.drop-btn{display:inline-flex;align-items:center;gap:6px;padding:10px 12px;border-radius:10px;background:none;border:0;font:600 15px var(--body);color:var(--ink);text-decoration:none;cursor:pointer}
.menu>li>a.plain:hover,.drop-btn:hover,.has-drop.open .drop-btn{background:var(--sand)}
.drop-btn svg{transition:transform .2s;opacity:.6}
.has-drop.open .drop-btn svg{transform:rotate(180deg)}
.menu-cta{margin-left:10px}
.drop{display:none;position:absolute;left:0;right:0;top:100%;background:var(--card);border-bottom:1px solid var(--line);box-shadow:0 30px 60px -30px rgba(42,36,32,.35)}
.has-drop.open .drop{display:block}
.drop-inner{display:grid;grid-template-columns:260px 1fr;gap:40px;padding-block:28px}
.drop-intro{display:grid;gap:8px;align-content:start;padding-right:24px;border-right:1px solid var(--line)}
.drop-intro b{font:800 24px/1.1 var(--display)}
.drop-intro p{color:var(--muted);font-size:15px}
.drop-intro a{color:var(--terra);font-weight:700;text-decoration:none}
.drop-links{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:4px 16px}
.drop-links a{display:grid;gap:2px;padding:12px;border-radius:12px;text-decoration:none}
.drop-links a:hover{background:var(--paper)}
.drop-links b{font-size:15px}
.drop-links span{font-size:13px;color:var(--muted)}
.menu-toggle{display:none;align-items:center;gap:10px;padding:10px 14px;border-radius:999px;border:1.5px solid var(--line);background:var(--card);font:600 15px var(--body);color:var(--ink);cursor:pointer}
.bars,.bars::before,.bars::after{display:block;width:18px;height:2px;background:currentColor;border-radius:2px;position:relative;content:""}
.bars::before{position:absolute;top:-6px}.bars::after{position:absolute;top:6px}
@media (max-width:1080px){
  .menu-toggle{display:inline-flex}
  .menu{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;background:var(--card);border-bottom:1px solid var(--line);padding:8px 20px 20px;max-height:calc(100vh - 120px);overflow-y:auto;box-shadow:0 30px 60px -30px rgba(42,36,32,.35)}
  nav.top.open .menu{display:flex}
  .menu>li{border-bottom:1px solid var(--line)}
  .menu>li>a.plain,.drop-btn{width:100%;justify-content:space-between;padding:16px 4px;font-size:17px;border-radius:0}
  .menu>li>a.plain:hover,.drop-btn:hover,.has-drop.open .drop-btn{background:none}
  .drop{position:static;box-shadow:none;border:0}
  .drop-inner{grid-template-columns:1fr;gap:8px;padding:0 0 12px}
  .drop-intro{border:0;padding:0}
  .drop-intro b,.drop-intro p{display:none}
  .drop-links{grid-template-columns:1fr}
  .drop-links a{padding:10px 8px}
  .menu-cta{margin:16px 0 0;border:0!important}
  .menu-cta .btn{width:100%;justify-content:center}
}
/* page hero */
.phero{background:var(--sand);padding-block:40px 48px}
.phero .wrap{display:grid;gap:18px;justify-items:start}
.phero h1{font-size:clamp(34px,5.5vw,58px);font-weight:800;letter-spacing:-.02em;max-width:18ch}
.phero h1 em{font-style:normal;color:var(--terra)}
.phero .lead{font-size:19px;color:var(--muted);max-width:60ch}
.phero.dark{background:var(--green);color:var(--on-green)}
.phero.dark .eyebrow,.phero.dark h1 em{color:#F0B48F}
.phero.dark .lead,.phero.dark .crumbs{color:var(--on-green);opacity:.85}
.phero.dark .jump a{border-color:rgba(255,255,255,.3);color:var(--on-green);background:transparent}
.phero.dark .jump a:hover{border-color:#F0B48F}
.crumbs{font-size:13px;color:var(--muted)}
.crumbs a{color:inherit}
.jump{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px}
.jump a{padding:8px 14px;border:1.5px solid var(--line);border-radius:999px;font-size:14px;font-weight:600;text-decoration:none;background:color-mix(in srgb,var(--card) 60%,transparent)}
.jump a:hover{border-color:var(--terra)}
@media (max-width:760px){.jump{flex-wrap:nowrap;overflow-x:auto;width:calc(100% + 40px);margin-inline:-20px;padding-inline:20px;scrollbar-width:none}.jump a{flex:none}}
/* building blocks */
section.block.tint{background:var(--sand)}
[id]{scroll-margin-top:90px}
.split{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
@media (max-width:900px){.split{grid-template-columns:1fr;gap:28px}}
.split .head{max-width:none}
.split .head .ctas{margin-top:8px}
.cards{display:grid;gap:18px}
.cards.three{grid-template-columns:repeat(3,1fr)}
.cards.four{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.cards.four{grid-template-columns:1fr 1fr}}
@media (max-width:820px){.cards.three{grid-template-columns:1fr}}
@media (max-width:560px){.cards.four{grid-template-columns:1fr}}
.card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:24px;display:grid;gap:10px;align-content:start}
.card p{color:var(--muted);font-size:15px}
.card a{color:var(--terra);font-weight:700;text-decoration:none;font-size:15px}
.card.link{text-decoration:none;color:inherit;transition:border-color .15s,transform .15s}
.card.link:hover{border-color:var(--terra);transform:translateY(-2px)}
.card.link span{color:var(--terra);font-weight:700;font-size:14px}
.num{width:36px;height:36px;border-radius:50%;background:var(--terra-soft);color:var(--terra);display:grid;place-items:center;font:800 16px var(--display)}
.qa-cards{display:grid;gap:14px}
.checks{list-style:none;margin:4px 0 0;padding:0;display:grid;gap:10px}
.checks li{position:relative;padding-left:30px;font-size:16px}
.checks li::before{content:"";position:absolute;left:0;top:3px;width:20px;height:20px;border-radius:50%;background:var(--terra-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-7' fill='none' stroke='%23B4532F' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
.head p a,.split p a{color:var(--terra);font-weight:600}
.dtake{background:var(--green);color:var(--on-green);border-radius:22px;padding:28px;display:grid;gap:10px;position:relative}
.dtake b{font:800 13px var(--body);letter-spacing:.14em;text-transform:uppercase;color:#F0B48F}
.dtake p{font:600 19px/1.45 var(--display)}
.quote-card{margin:0;background:var(--card);border:1px solid var(--line);border-radius:22px;padding:28px;display:grid;gap:12px}
.quote-card blockquote{margin:0;font:600 20px/1.4 var(--display)}
.quote-card figcaption{color:var(--muted);font-size:14px}
.timeline{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:s}
@media (max-width:900px){.timeline{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.timeline{grid-template-columns:1fr}}
.timeline li{border-top:4px solid var(--terra);padding-top:14px;display:grid;gap:6px}
.timeline b{font:800 19px var(--display)}
.timeline span{color:var(--muted);font-size:15px}
/* homepage explore tiles */
.explore{padding-block:56px 16px}
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
@media (max-width:980px){.tiles{grid-template-columns:1fr 1fr}}
@media (max-width:460px){.tiles{grid-template-columns:1fr}}
.tile{display:grid;gap:6px;padding:20px;border-radius:18px;background:var(--card);border:1px solid var(--line);text-decoration:none;transition:border-color .15s,transform .15s}
.tile:hover{border-color:var(--terra);transform:translateY(-2px)}
.tile b{font:800 19px var(--display)}
.tile b::after{content:" →";color:var(--terra)}
.tile span{font-size:14px;color:var(--muted)}
.tile.dark{background:var(--green);border-color:var(--green);color:var(--on-green)}
.tile.dark span{color:var(--on-green);opacity:.8}.tile.dark b::after{color:#F0B48F}
a.path{text-decoration:none}
/* loans page */
.loan-list{display:grid;gap:0}
.loan{display:grid;grid-template-columns:.7fr 1.3fr;gap:32px;padding-block:32px;border-bottom:1px solid var(--line)}
.loan:first-child{padding-top:0}
@media (max-width:760px){.loan{grid-template-columns:1fr;gap:12px}}
.loan>div{display:grid;gap:12px;align-content:start}
.loan p{color:var(--muted);font-size:16px}
.loan .who{color:var(--ink)}
.loan.invest-row{border-bottom:0}
/* compare table */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:18px;background:var(--card)}
.compare{width:100%;border-collapse:collapse;font-size:15px;min-width:560px}
.compare th,.compare td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--line);vertical-align:top}
.compare thead th{font:800 16px var(--display);background:var(--paper)}
.compare tbody th{font-weight:600;color:var(--muted);width:26%}
.compare tr:last-child>*{border-bottom:0}
/* learn */
.guides{display:grid;gap:10px;max-width:880px}
.guide{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:18px 22px}
.guide summary{cursor:pointer;display:flex;flex-wrap:wrap;align-items:center;gap:6px 12px;list-style:none}
.guide summary::-webkit-details-marker{display:none}
.guide summary b{font:600 19px var(--display);flex:1 1 240px}
.guide summary>span:last-child{font-size:13px;color:var(--muted)}
.guide[open] summary{margin-bottom:12px}
.guide ol,.guide ul{margin:0 0 10px;padding-left:22px;display:grid;gap:6px;color:var(--muted)}
.guide p{color:var(--muted);margin-bottom:8px}
.guide a{color:var(--terra);font-weight:600}
.gsearch{max-width:360px;margin-top:8px}
.glossary{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:0}
@media (max-width:760px){.glossary{grid-template-columns:1fr}}
.glossary>div{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:16px 18px}
.glossary dt{font:800 17px var(--display)}
.glossary dd{margin:4px 0 0;color:var(--muted);font-size:15px}
.empty{margin-top:12px;color:var(--muted)}.empty a{color:var(--terra);font-weight:600}
/* CTA band + footer */
.cta-band{background:var(--terra);color:#fff;padding-block:44px}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.cta-band p{opacity:.9;margin-top:6px;font-size:17px}
.cta-band .btn-primary{background:var(--green)}
.foot-cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:24px;padding-bottom:18px;border-bottom:1px solid var(--line);margin-bottom:6px;font-size:14px}
@media (max-width:760px){.foot-cols{grid-template-columns:1fr 1fr}}
.foot-cols>div{display:grid;gap:8px;align-content:start}
.foot-cols b{color:var(--ink);font-size:13px;letter-spacing:.08em;text-transform:uppercase}
.foot-cols a{text-decoration:none;color:var(--ink)}
.foot-cols a:hover{color:var(--terra)}
.foot-cols .logo{font-size:18px}

/* language switch */
.strip .lang{font-weight:700;text-decoration:none;border:1px solid rgba(255,255,255,.35);border-radius:999px;padding:1px 10px;margin-left:4px}
.strip .lang:hover{background:rgba(255,255,255,.12)}

/* ===== dark mode (visitor toggle; light is the default) ===== */
:root[data-theme="dark"]{color-scheme:dark;
  --sand:#1E1916; --paper:#161210; --card:#241E1A;
  --green:#1C3A30; --green-2:#2E5646; --terra:#D06A40; --terra-soft:#3A241A;
  --ink:#F3EBDD; --muted:#BDAF9F; --line:#3A312A;
  --on-green:#F6EFE3;
}
:root[data-theme="dark"] body{background:var(--paper)}
:root[data-theme="dark"] .strip{background:#0F231C}
:root[data-theme="dark"] .contact,:root[data-theme="dark"] .feature,:root[data-theme="dark"] .prog.investors,:root[data-theme="dark"] .dtake,:root[data-theme="dark"] .calc-out,:root[data-theme="dark"] .phero.dark,:root[data-theme="dark"] .tile.dark{border:1px solid #2C5244}
:root[data-theme="dark"] .paths,:root[data-theme="dark"] .drop,:root[data-theme="dark"] .menu{box-shadow:0 30px 60px -30px rgba(0,0,0,.7)}
:root[data-theme="dark"] .cta-band{background:#8E3F1F}
:root[data-theme="dark"] .photo,:root[data-theme="dark"] .avatar{filter:brightness(.92)}
:root[data-theme="dark"] .checks li::before{background-color:var(--terra-soft);background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-7' fill='none' stroke='%23E88A60' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
:root[data-theme="dark"] .eyebrow,:root[data-theme="dark"] .rtag,:root[data-theme="dark"] .tag{color:#E88A60}
:root[data-theme="dark"] .ehl svg{color:var(--ink)}
/* toggle button in the top strip */
.theme-toggle{display:inline-grid;place-items:center;width:26px;height:26px;margin-left:6px;vertical-align:middle;border-radius:999px;border:1px solid rgba(255,255,255,.35);background:none;color:inherit;cursor:pointer;padding:0}
.theme-toggle:hover{background:rgba(255,255,255,.12)}
.theme-toggle .sun{display:none}
:root[data-theme="dark"] .theme-toggle .sun{display:block}
:root[data-theme="dark"] .theme-toggle .moon{display:none}
@media (prefers-reduced-motion:no-preference){body,.card,.tile,.drop,nav.top{transition:background-color .2s,color .2s}}
:root[data-theme="dark"] .btn-primary{background:#B4532F}
:root[data-theme="dark"] .btn-primary:hover{background:#A34A29}

/* ===== Phase 1: CTA levels, deal form, DSCR pages, mobile bar ===== */
.cta-band .wrap{display:grid;gap:26px}
.band-head h2{color:#fff}
.levels{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
@media (max-width:860px){.levels{grid-template-columns:1fr}}
.lvl{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:18px;padding:20px;display:grid;gap:8px;align-content:start}
.lvl-tag{font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;opacity:.85}
.lvl>b{font:800 21px/1.15 var(--display);color:#fff}
.lvl-links{display:flex;flex-wrap:wrap;gap:8px;margin-top:2px}
.lvl-links a{padding:8px 14px;border-radius:999px;border:1.5px solid rgba(255,255,255,.55);color:#fff;text-decoration:none;font-weight:600;font-size:14px}
.lvl-links a:hover{background:rgba(255,255,255,.14)}
.lvl.hi{background:var(--green);border-color:var(--green)}
.lvl.hi .btn{justify-self:start;background:var(--on-green);color:var(--green)}
:root[data-theme="dark"] .lvl.hi .btn{background:var(--on-green);color:#1C3A30}
/* deal form */
.deal{background:var(--sand)}
.deal-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:44px;align-items:start}
@media (max-width:900px){.deal-grid{grid-template-columns:1fr;gap:26px}}
.deal-copy{display:grid;gap:14px}
.deal-copy p{color:var(--muted);font-size:17px}
.deal-alt a{color:var(--terra);font-weight:700}
.deal-form{border:1px solid var(--line)}
.deal-form .fields{grid-template-columns:1fr 1fr}
@media (max-width:480px){.deal-form .fields{grid-template-columns:1fr}}
textarea::placeholder,input::placeholder{color:color-mix(in srgb,var(--muted) 75%,transparent)}
/* DSCR explainer bits */
.formula{display:flex;flex-wrap:wrap;align-items:center;gap:10px;background:var(--card);border:1px solid var(--line);border-radius:16px;padding:16px 18px;margin:4px 0}
.formula>span{display:grid;gap:2px}
.formula b{font:800 18px var(--display)}
.formula small{font-size:12px;color:var(--muted)}
.formula .op{font:800 22px var(--display);color:var(--terra)}
.formula .res b{color:var(--terra)}
.deal-types{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--line)}
@media (max-width:860px){.deal-types{grid-template-columns:1fr}}
.deal-types>div{display:grid;gap:4px;padding:18px 18px 18px 0;border-bottom:1px solid var(--line)}
.deal-types b{font:800 18px var(--display)}
.deal-types span{color:var(--muted);font-size:15px}
.flow{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:12px;counter-reset:f}
@media (max-width:900px){.flow{grid-template-columns:1fr 1fr}}
@media (max-width:480px){.flow{grid-template-columns:1fr}}
.flow li{counter-increment:f;background:var(--card);border:1px solid var(--line);border-radius:16px;padding:16px;display:grid;gap:4px}
.flow li::before{content:counter(f);width:28px;height:28px;border-radius:50%;background:var(--terra);color:#fff;display:grid;place-items:center;font:800 14px var(--display)}
.flow b{font:800 19px var(--display)}
.flow span{color:var(--muted);font-size:14px}
.calc-h{font-size:20px;font-weight:600}
.more-links{margin-top:18px;color:var(--muted)}
.more-links a{color:var(--terra);font-weight:600}
/* mobile quick-contact bar: CALL · TEXT · APPLY */
.mobilebar{display:none}
@media (max-width:760px){
  .mobilebar{display:grid;grid-template-columns:1fr 1fr 1.15fr;gap:6px;position:fixed;left:0;right:0;bottom:0;z-index:40;padding:8px 10px calc(8px + env(safe-area-inset-bottom));background:color-mix(in srgb,var(--card) 94%,transparent);backdrop-filter:blur(10px);border-top:1px solid var(--line)}
  .mobilebar a{display:flex;align-items:center;justify-content:center;gap:7px;min-height:44px;border-radius:12px;font:700 15px var(--body);text-decoration:none;color:var(--ink);border:1.5px solid var(--line)}
  .mobilebar a.apply{background:var(--terra);border-color:var(--terra);color:#fff}
  :root[data-theme="dark"] .mobilebar a.apply{background:#B4532F;border-color:#B4532F}
  body{padding-bottom:calc(64px + env(safe-area-inset-bottom))}
  /* give the chat the full screen while it's open */
  .chat-open .mobilebar{display:none}
  .chat-open{padding-bottom:0}
}
.hero .tagline{font:700 clamp(20px,2.6vw,26px)/1.25 var(--display);color:var(--terra);margin-top:-6px}
.calc-link{margin:-6px 0 0;font-size:14px}.calc-link a{color:var(--terra);font-weight:700}
/* accessibility: slightly deeper terracotta for small text so it meets WCAG AA contrast (light mode) */
:where(:root:not([data-theme="dark"])) .eyebrow,:where(:root:not([data-theme="dark"])) .rtag,:where(:root:not([data-theme="dark"])) .tag{color:#99441F}
:where(:root:not([data-theme="dark"])) .cta-band{background:#A2471F}
/* homepage tertiary action: quieter than the two hero buttons */
.hero .tertiary{justify-self:start;display:inline-flex;align-items:center;gap:7px;margin-top:-8px;font:600 15px var(--body);color:var(--muted);text-decoration:underline;text-decoration-color:var(--line);text-underline-offset:4px}
.hero .tertiary:hover{color:var(--terra);text-decoration-color:currentColor}
/* readability: homepage search links and contact-form fine print */
:where(:root:not([data-theme="dark"])) .search .head p a{color:#99441F}
.contact .form p{opacity:1}
.hero .tertiary{padding-block:10px;margin-top:-18px;margin-bottom:-10px}
.hero .tertiary{padding-block:13px;margin-top:-21px;margin-bottom:-13px}
/* visually hidden but submitted (CRM source fields) */
.vh{position:absolute!important;width:1px!important;height:1px!important;padding:0!important;margin:-1px!important;overflow:hidden!important;clip:rect(0 0 0 0)!important;white-space:nowrap!important;border:0!important}
/* ===== Phase A · Pass 1: smart foundations ===== */
.helper{font-size:12px;font-weight:500;color:var(--muted);line-height:1.35}
.calc-sub{font-size:14px;line-height:1.5;color:var(--muted);margin-top:-6px;max-width:52ch}
.opt-ratio{border-top:1px solid var(--line);padding-top:14px}
.opt-ratio summary{cursor:pointer;font:600 15px var(--body);color:var(--terra);list-style:none;min-height:32px;display:flex;align-items:center}
.opt-ratio summary::-webkit-details-marker{display:none}
.opt-ratio summary::before{content:"+";display:inline-block;width:18px;font-weight:700}
.opt-ratio[open] summary::before{content:"\2212"}
.opt-ratio .calc-sub{margin:8px 0 12px}
/* My Numbers: this-visit memory */
.mn-chip{display:flex;flex-wrap:wrap;align-items:center;gap:4px 12px;margin:0 0 18px;padding:10px 16px;border:1px solid var(--line);border-radius:16px;background:var(--card);font-size:14px}
.mn-chip[hidden]{display:none}
.mn-dot{width:8px;height:8px;border-radius:50%;background:var(--good);flex:none}
.mn-clear{background:none;border:0;padding:6px 2px;font:600 14px var(--body);color:var(--terra);text-decoration:underline;text-underline-offset:3px;cursor:pointer;margin-left:auto}
.mn-chip small{flex-basis:100%;color:var(--muted);font-size:12px}
/* result card: number, breakdown, D's Take, at most three actions */
.rc{display:grid;gap:20px}
.rc-sub{font-size:15px;line-height:1.55;opacity:.9;margin-top:12px;max-width:46ch}
.rc .big{margin-top:6px}
.rc-wait{font:600 19px/1.45 var(--display);max-width:32ch;margin-top:8px}
.dtake-card{background:rgba(255,255,255,.07);border-radius:18px;padding:18px 20px;border-left:3px solid #F0B48F;display:grid;gap:10px}
.dt-head{display:flex;align-items:center;gap:10px}
.dt-head img{width:32px;height:32px;border-radius:50%;object-fit:cover}
.dt-head b{font:800 12px var(--body);letter-spacing:.14em;text-transform:uppercase;color:#F0B48F}
.dtake-card p{font:500 16px/1.55 var(--body)}
.dtake-card .dt-paths{opacity:.85;font-size:15px}
.rc-actions{display:flex;flex-wrap:wrap;align-items:center;gap:10px 16px}
.rc-actions .btn-quiet{background:transparent;color:var(--on-green);border:1.5px solid rgba(255,255,255,.35)}
.rc-actions .btn-quiet:hover{border-color:var(--on-green)}
.rc-change{background:none;border:0;color:var(--on-green);font:600 15px var(--body);text-decoration:underline;text-underline-offset:4px;text-decoration-color:rgba(255,255,255,.45);cursor:pointer;padding:10px 2px;min-height:44px}
.rc-disc{font-size:12px;line-height:1.55;opacity:.75}
.rc-foot{font-size:13px;line-height:1.5;opacity:.8}
.rc-slider{display:grid;gap:6px}
.rc-slider label{color:inherit;opacity:.85;font-weight:500}
.rc-slider input[type=range]{accent-color:#F0B48F;padding:0;background:none;border:0;min-height:32px}
.ratio{border-top:1px solid rgba(255,255,255,.15);padding-top:14px;display:grid;gap:8px}
.ratio .big{font-size:36px}
/* analytics choice (GA4 loads only after Allow) */
.ga-consent{position:fixed;z-index:60;left:16px;right:16px;bottom:16px;max-width:560px;margin-inline:auto;background:var(--card);color:var(--ink);border:1px solid var(--line);border-radius:18px;box-shadow:0 20px 50px -24px rgba(0,0,0,.4);padding:16px 18px;display:grid;gap:12px}
.ga-consent p{font-size:14px;line-height:1.5}
.ga-consent .ga-btns{display:flex;gap:10px;justify-content:flex-end;flex-wrap:wrap}
.ga-consent .btn{padding:10px 20px;min-height:44px}
@media (max-width:760px){.ga-consent{left:10px;right:10px;bottom:calc(70px + env(safe-area-inset-bottom))}}
/* sensitive-number protection */
.ssn-msg{margin:4px 0;padding:12px 14px;border-radius:12px;background:#F4D3CE;color:#6E2119;font-size:14px;line-height:1.45;font-weight:600}
.ssn-msg a{color:inherit;text-decoration:underline}
input[aria-invalid=true],textarea[aria-invalid=true]{border-color:var(--bad)}
.big .per{font:600 18px var(--body);opacity:.75;letter-spacing:0}
.fields>label{align-content:start}
.rule70{border:1px solid rgba(255,255,255,.18);border-radius:14px;padding:12px 16px}
.rule70 summary{cursor:pointer;font:600 15px var(--body);min-height:32px;display:flex;align-items:center}
.rule70 .rc-foot{margin:6px 0 10px}
/* ===== Phase A · Pass 2: simplified homepage, Smart Start, guided flows ===== */
/* hero: clean and personal, photo on the right */
.hero2{padding-block:72px 84px}
.hero2 .wrap{grid-template-columns:1.12fr .88fr;gap:56px}
.hero-photo{margin:0;position:relative;justify-self:end;width:min(440px,100%)}
.hero-photo img{display:block;width:100%;height:auto;aspect-ratio:1/1;object-fit:cover;border-radius:32px;box-shadow:0 40px 80px -40px rgba(42,36,32,.45)}
.hero-photo figcaption{position:absolute;left:18px;bottom:18px;display:grid;gap:2px;padding:12px 16px;border-radius:16px;background:color-mix(in srgb,var(--card) 92%,transparent);backdrop-filter:blur(8px);box-shadow:0 12px 30px -18px rgba(0,0,0,.35);font-size:13px;color:var(--muted)}
.hero-photo figcaption b{font:700 15px var(--body);color:var(--ink)}
@media (max-width:860px){
  .hero2{padding-block:40px 48px}
  .hero2 .wrap{grid-template-columns:1fr;gap:24px}
  .hero-photo{order:-1;justify-self:start;width:88px}
  .hero-photo img{border-radius:50%;box-shadow:none}
  .hero-photo figcaption{display:none}
}
/* Smart Start: the main way in */
.smart-start{padding-block:80px;background:var(--paper)}
.ss-head{text-align:center;display:grid;gap:10px;margin-bottom:36px}
.ss-head h2{font-size:clamp(30px,4.2vw,46px);letter-spacing:-.02em}
.ss-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.ss-card{display:grid;align-content:start;gap:8px;padding:26px 24px 28px;border-radius:24px;background:var(--card);border:1px solid var(--line);color:var(--ink);text-decoration:none;box-shadow:0 22px 44px -34px rgba(42,36,32,.45);transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.ss-card:hover{transform:translateY(-3px);border-color:var(--terra);box-shadow:0 28px 50px -30px rgba(42,36,32,.5)}
.ss-card:focus-visible{outline:3px solid var(--terra);outline-offset:3px}
.ss-card b{font:700 19px/1.25 var(--display);margin-top:10px}
.ss-card>span:last-child{font-size:14px;color:var(--muted)}
.ss-ic{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:var(--terra-soft);color:var(--terra)}
.ss-card.is-active{background:var(--green);border-color:var(--green);color:var(--on-green)}
.ss-card.is-active>span:last-child{color:var(--on-green);opacity:.8}
.ss-card.is-active .ss-ic{background:rgba(255,255,255,.12);color:#F0B48F}
.ss-note{text-align:center;margin-top:22px;font-size:14px;color:var(--muted)}
@media (prefers-reduced-motion:reduce){.ss-card{transition:none}.ss-card:hover{transform:none}}
@media (max-width:1000px){.ss-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){
  .smart-start{padding-block:48px}
  .ss-head{text-align:left;margin-bottom:20px}
  .ss-grid{grid-template-columns:1fr;gap:10px}
  .ss-card{grid-template-columns:44px 1fr;column-gap:14px;row-gap:2px;align-items:center;padding:16px 18px;border-radius:18px;min-height:72px}
  .ss-ic{grid-row:span 2;width:44px;height:44px}
  .ss-card b{margin:0;font-size:17px}
  .ss-note{text-align:left}
}
/* quick trust */
.trust2{border-block:1px solid var(--line);background:var(--card)}
.trust2 .wrap{display:grid;grid-template-columns:repeat(4,auto);justify-content:space-between;gap:12px 28px;padding-block:20px}
.trust2 .ti{display:grid;gap:2px;color:var(--muted);text-decoration:none}
.trust2 .ti b{font:600 15px var(--body);color:var(--ink)}
.trust2 .ti small{font-size:13px}
.trust2 a.ti:hover b{color:var(--terra)}
@media (max-width:860px){.trust2 .wrap{grid-template-columns:1fr 1fr;gap:14px 18px;padding-block:18px}.trust2 .ti b{font-size:14px;line-height:1.3}.trust2 .ti small{font-size:12px}}
.tools-all{margin-top:22px}
/* quick answers */
.qa-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:760px){.qa-grid{grid-template-columns:1fr}}
.qa{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:20px 22px}
.qa summary{cursor:pointer;font:600 18px/1.35 var(--display);list-style:none;display:flex;justify-content:space-between;gap:16px}
.qa summary::-webkit-details-marker{display:none}
.qa summary::after{content:"+";color:var(--terra);font:700 22px/1 var(--body)}
.qa[open] summary::after{content:"\2212"}
.qa p{margin-top:12px;color:var(--muted)}
.qa a{display:inline-block;margin-top:10px;color:var(--terra);font-weight:600;font-size:14px}
/* reviews: three, matched to what the visitor is doing */
.reviews .rev{border:0;box-shadow:0 20px 40px -32px rgba(42,36,32,.45)}
.reviews .tertiary{align-self:center;margin:0}
/* final call to action */
.ctx-ctas{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.btn-light-ghost{background:transparent;color:var(--on-green);border:1.5px solid rgba(255,255,255,.35)}
.btn-light-ghost:hover{border-color:var(--on-green)}
.ctx-more{margin-top:14px;font-size:15px}
/* compact Smart Start on topic pages */
.ss-compact{background:var(--card);border-bottom:1px solid var(--line)}
.ss-compact .wrap{display:flex;justify-content:space-between;align-items:center;gap:14px 24px;padding-block:18px;flex-wrap:wrap}
.ss-compact b{display:block;font:700 17px var(--display)}
.ss-compact span{font-size:14px;color:var(--muted)}
/* guided flow sheet: full screen on phones, a centered panel on desktop */
.sheet{position:fixed;inset:0;z-index:90;display:grid;place-items:center}
.sheet[hidden]{display:none}
.sheet-backdrop{position:absolute;inset:0;background:rgba(20,16,14,.46);backdrop-filter:blur(4px)}
.sheet-panel{position:relative;width:min(580px,calc(100% - 32px));height:min(820px,calc(100% - 48px));display:grid;grid-template-rows:auto auto 1fr auto;background:var(--paper);border-radius:28px;box-shadow:0 40px 90px -30px rgba(0,0,0,.55);overflow:hidden;animation:sh-in .22s ease-out}
@keyframes sh-in{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){.sheet-panel{animation:none}.sh-prog i{transition:none}}
@media (max-width:760px){.sheet{place-items:stretch}.sheet-panel{width:100%;height:100%;border-radius:0}}
.sh-top{display:flex;justify-content:space-between;align-items:center;padding:12px 16px 10px}
.sh-btn{background:none;border:0;font:600 15px var(--body);color:var(--muted);padding:10px;min-height:44px;min-width:44px;cursor:pointer}
.sh-btn:hover{color:var(--ink)}
.sh-step{font-size:13px;color:var(--muted);letter-spacing:.04em}
.sh-prog{height:4px;background:var(--line);margin:0 24px;border-radius:4px;overflow:hidden}
.sh-prog i{display:block;height:100%;width:0;background:var(--terra);border-radius:4px;transition:width .3s ease}
.sh-body{overflow:auto;-webkit-overflow-scrolling:touch;padding:30px 26px 26px;display:grid;gap:18px;align-content:start}
.sh-body h2{font-size:clamp(26px,5vw,34px);line-height:1.15;letter-spacing:-.01em;outline:none}
.sh-sub{color:var(--muted);font-size:15px;margin-top:-8px}
.sh-opts{display:grid;gap:10px}
.sh-opt{text-align:left;padding:17px 20px;min-height:58px;border-radius:16px;border:1.5px solid var(--line);background:var(--card);font:600 17px var(--body);color:var(--ink);cursor:pointer;transition:border-color .15s ease,background .15s ease}
.sh-opt:hover{border-color:var(--terra)}
.sh-opt.is-on{border-color:var(--terra);background:var(--terra-soft)}
.sh-fields{display:grid;grid-template-columns:1fr 1fr;gap:14px 12px}
.sh-field{display:grid;gap:6px;align-content:start}
.sh-field em{font-style:normal;font-weight:500;opacity:.7}
.sh-in{position:relative;display:flex;align-items:center}
.sh-in i{position:absolute;font-style:normal;color:var(--muted);font-weight:600;pointer-events:none}
.sh-in.has-pre i:first-child{left:12px}.sh-in.has-pre input{padding-left:26px}
.sh-in.has-suf i:last-child{right:12px}.sh-in.has-suf input{padding-right:30px}
.sh-next{justify-self:start;min-width:180px;justify-content:center}
.sh-note{font-size:13px;color:var(--muted)}
.sh-err{color:var(--bad);font-weight:600;font-size:14px;margin-top:-6px}
.sh-foot{display:flex;gap:20px;justify-content:center;align-items:center;padding:12px 18px calc(12px + env(safe-area-inset-bottom));border-top:1px solid var(--line);font-size:14px;color:var(--muted);background:var(--card)}
.sh-foot a{font-weight:700;color:var(--ink);min-height:44px;display:inline-flex;align-items:center}
.sh-result{background:var(--green);color:var(--on-green);border-radius:24px;padding:26px 24px}
.sh-result .big{font-size:clamp(38px,8vw,52px)}
.checklist{margin:0;padding-left:20px;display:grid;gap:8px;font-size:15px}
.sheet-open,.sheet-open body{overflow:hidden}
@media (max-width:420px){.sh-fields{grid-template-columns:1fr}.sh-body{padding:22px 18px 22px}.sh-next{width:100%}}
:root[data-theme="dark"] .sheet-panel{border:1px solid var(--line)}

/* ===== Phase A · Pass 2.5: product polish ===== */
/* homepage calculators: minimum fields first, assumptions one tap away */
.assume{border-top:1px solid var(--line);padding-top:12px}
.assume summary{cursor:pointer;list-style:none;display:flex;align-items:center;gap:8px;min-height:36px;font:600 14px var(--body);color:var(--terra)}
.assume summary::-webkit-details-marker{display:none}
.assume summary::before{content:"+";font-weight:700;width:14px}
.assume[open] summary::before{content:"\2212"}
.assume .fields{margin-top:12px}
/* result card hierarchy */
.rc-next{display:grid;gap:4px;padding:14px 16px;border-radius:14px;background:rgba(255,255,255,.06);font:600 17px/1.4 var(--display)}
.rc-next span{font:700 11px var(--body);letter-spacing:.14em;text-transform:uppercase;color:#F0B48F}
.rc-how{border-top:1px solid rgba(255,255,255,.15);padding-top:12px}
.rc-how summary{cursor:pointer;list-style:none;font:600 14px var(--body);display:flex;align-items:center;gap:8px;min-height:36px;opacity:.9}
.rc-how summary::-webkit-details-marker{display:none}
.rc-how summary::before{content:"+";width:14px;font-weight:700}
.rc-how[open] summary::before{content:"\2212"}
.rc-how .rows{margin-top:6px}.rc-how .rc-foot{margin-top:10px}
.rc-imp{display:grid;gap:4px}
.rc-imp b{font:700 11px var(--body);letter-spacing:.12em;text-transform:uppercase;opacity:.7}
/* shorter My Story on the homepage */
.story-short .about-copy{align-content:center}
.story-more{justify-self:start;margin-top:6px}
@media (max-width:860px){
  .story-short .about{grid-template-columns:1fr;gap:22px}
  .story-short .photo{aspect-ratio:16/10;max-height:260px;object-position:center 22%}
}
/* reviews: on phones, one contextual review first */
.rev-reveal{display:none}
@media (max-width:760px){
  #revGrid:not(.all) .rev[data-rank="2"],#revGrid:not(.all) .rev[data-rank="3"]{display:none}
  .rev-reveal{display:inline-flex;margin-top:12px;background:none;border:0;padding:10px 0;min-height:44px;font:600 15px var(--body);color:var(--terra);text-decoration:underline;text-underline-offset:4px;cursor:pointer}
  .rev-reveal[hidden]{display:none}
  .reviews .rev{padding:20px}
  .reviews .rev-top{margin-bottom:18px}
}
/* contact: skip what Smart Start already told us */
.known{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:12px 14px;border-radius:12px;background:var(--paper);font-size:14px;color:var(--muted)}
.known b{color:var(--ink)}
.known button{background:none;border:0;font:600 14px var(--body);color:var(--terra);text-decoration:underline;cursor:pointer;min-height:36px}
/* tighter vertical rhythm on phones (same eight sections) */
@media (max-width:760px){
  .hero2 ~ section.block,.story-short{padding-block:44px}
  .smart-start{padding-block:40px}
  .answers .qa{padding:16px 18px}
  .answers .qa summary{font-size:16px}
  .tools .head p{display:none}
}
/* mobile hero: portrait card (Option B); desktop unchanged */
.fc-title,.fc-nmls{display:none}
.rc-short-disc{margin-top:8px;font-size:13px;font-weight:600;opacity:.85}
@media (max-width:860px){
  .hero2{padding-block:22px 40px}
  .hero2 .wrap{gap:18px}
  .hero2 .hero-photo{order:-1;width:100%;display:grid;grid-template-columns:96px 1fr;gap:16px;align-items:center}
  .hero2 .hero-photo img{width:96px;height:118px;aspect-ratio:auto;border-radius:20px;object-position:50% 18%;box-shadow:0 16px 32px -22px rgba(42,36,32,.5)}
  .hero2 .hero-photo figcaption{display:grid;position:static;gap:2px;padding:0;background:none;box-shadow:none;backdrop-filter:none;font-size:13px}
  .hero2 .hero-photo figcaption b{font:700 18px var(--display)}
  .hero2 .fc-loc{display:none}
  .hero2 .fc-title,.hero2 .fc-nmls{display:block}
  .hero2 .me{display:none}
  /* keep the headline and main button above the fold: the intro paragraph follows the buttons on phones */
  .hero2 .hero-copy{gap:16px}
  .hero2 .hero-copy h1{order:1}.hero2 .hero-copy .tagline{order:2}.hero2 .hero-copy .ctas{order:3}.hero2 .hero-copy .tertiary{order:4;margin-top:-4px}.hero2 .hero-copy .lead{order:5;font-size:17px}
}

/* ===== Phase A · Pass 3: quick answers, Ask D, contextual reviews ===== */
.btn-sm{padding:10px 18px;font-size:14px;min-height:40px}
/* quick-answer library (/learn#faq) */
.qlib .head p{margin-top:8px;color:var(--muted)}
.qlib-tools{display:grid;gap:12px;max-width:820px;margin-bottom:6px}
.qlib-search{position:relative;display:flex;align-items:center}
.qlib-search svg{position:absolute;left:16px;color:var(--muted);pointer-events:none}
.qlib-search input{width:100%;min-height:52px;padding:12px 16px 12px 46px;border-radius:999px;border:1.5px solid var(--line);background:var(--card);font:500 16px var(--body);color:var(--ink)}
.qlib-search input:focus-visible{outline:3px solid var(--terra);outline-offset:2px}
.qlib-chips{display:flex;flex-wrap:wrap;gap:8px}
.qlib-chips button{min-height:40px;padding:8px 16px;border-radius:999px;border:1.5px solid var(--line);background:var(--card);font:600 14px var(--body);color:var(--ink);cursor:pointer}
.qlib-chips button[aria-pressed="true"]{background:var(--green);border-color:var(--green);color:var(--on-green)}
.qlib-count{font-size:13px;color:var(--muted);min-height:18px;margin:4px 0 6px}
.qlib-list{display:grid;gap:10px;max-width:820px}
.qcard{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:0}
.qcard[hidden]{display:none}
.qcard summary{cursor:pointer;list-style:none;display:flex;align-items:center;gap:12px;padding:18px 22px;min-height:56px;font:600 18px/1.35 var(--display)}
.qcard summary::-webkit-details-marker{display:none}
.qcard summary::after{content:"+";margin-left:auto;color:var(--terra);font:700 22px/1 var(--body)}
.qcard[open] summary::after{content:"\2212"}
.q-draft{flex:none;font:700 10px var(--body);letter-spacing:.1em;text-transform:uppercase;padding:3px 8px;border-radius:99px;border:1px dashed var(--terra);color:var(--terra)}
.qc-body{display:grid;gap:16px;padding:0 22px 22px}
.qc-body p{color:var(--ink);max-width:68ch}
.qc-label{display:block;font:700 11px var(--body);letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.qc-body ul{margin:0;padding-left:20px;display:grid;gap:4px;color:var(--muted)}
.qc-next>div{display:flex;flex-wrap:wrap;align-items:center;gap:10px 18px}
.qc-next .tertiary{font:600 14px var(--body);color:var(--terra)}
.qlib-empty{max-width:820px;padding:18px 22px;border-radius:18px;background:var(--card);border:1px dashed var(--line)}
.qlib-empty a{color:var(--terra);font-weight:700}
.qlib .fine{margin-top:18px}
@media (max-width:760px){.qcard summary{font-size:16px;padding:16px 18px}.qc-body{padding:0 18px 18px}}
/* Ask D */
.ask-wrap{display:grid;grid-template-columns:1fr 1.1fr;gap:48px;align-items:start}
@media (max-width:860px){.ask-wrap{grid-template-columns:1fr;gap:22px}}
.ask-copy p{margin-top:12px;color:var(--muted);max-width:44ch}
.ask-direct a{color:var(--terra);font-weight:700}
.ask-form{border:1px solid var(--line)}
.reply-by{border:0;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px}
.reply-by legend{font-weight:600;font-size:14px;margin-bottom:8px;padding:0}
.reply-by label{display:inline-flex;align-items:center;gap:8px;min-height:44px;padding:8px 16px;border-radius:999px;border:1.5px solid var(--line);font-weight:600;cursor:pointer}
.reply-by label:has(input:checked){border-color:var(--terra);background:var(--terra-soft)}
.reply-by input{accent-color:var(--terra);width:18px;height:18px;padding:0;margin:0}
.ask-form label[hidden]{display:none}
.ask-form .consent[hidden]{display:none}
.lc-note{font-size:13px;color:var(--muted);margin:0;padding:10px 12px;border-radius:10px;background:var(--paper)}
.lc-note button{background:none;border:0;padding:0 0 0 4px;font:600 13px var(--body);color:var(--terra);text-decoration:underline;cursor:pointer;min-height:24px}
.sheet-ask .sheet-panel{height:auto;max-height:calc(100% - 48px);grid-template-rows:auto 1fr auto}
.sheet-ask .sh-body{gap:14px}
.sheet-ask .ask-form{padding:0;border:0;background:none}
.sheet-ask h2{font-size:clamp(24px,5vw,30px)}
@media (max-width:760px){.sheet-ask .sheet-panel{max-height:100%}}
/* one contextual review on topic pages */
.rev1-block{padding-block:56px}
.rev1-block .wrap{display:grid;grid-template-columns:1fr auto;gap:18px 32px;align-items:center}
.rev1{margin:0;display:grid;gap:12px;max-width:760px}
.rev1 blockquote{margin:0;font:500 clamp(19px,2.4vw,23px)/1.45 var(--display);color:var(--ink)}
.rev1 figcaption{font-size:14px;color:var(--muted)}
.rev1-fine{grid-column:1/-1;margin:0}
@media (max-width:760px){.rev1-block{padding-block:40px}.rev1-block .wrap{grid-template-columns:1fr}.rev1-score{justify-self:start}}
/* booking popup: the quick-contact bar steps aside while Calendly is open */
body:has(.calendly-overlay) .mobilebar{display:none}
/* Buy pages: "Pre-approval" stays on one line on small phones (approved Test B) */
@media (max-width:379px){.mobilebar a.apply[data-bar="preapproval"] svg{display:none}}
/* responsive photos: the <picture> wrapper doesn't change layout */
.hero-photo picture,.story-short picture{display:block;min-width:0}
/* Gate 2 accessibility corrections (contrast 4.5:1+, heading order); appearance otherwise unchanged */
.calc-in h2.calc-h{font-size:20px;font-weight:600}
:where(:root:not([data-theme="dark"])) .rev-reveal{color:#99441F}
.contact .btn-primary,.contact .ctx-ctas .btn-primary{color:#fff}
:where(:root:not([data-theme="dark"])) footer .logo span{color:#99441F}
.cta-band .lvl-tag{color:#fff;opacity:1}
/* form delivery status (server messages) */
.lead-status{margin:0;padding:12px 14px;border-radius:10px;font-size:14px;font-weight:600;background:#FBE9E4;color:#7A2A12;border:1px solid #E7B9A8}
.lead-status[hidden]{display:none}
.lead-status a{color:inherit;text-decoration:underline;margin-left:4px}
:root[data-theme="dark"] .lead-status{background:#3A1F16;color:#F3D3C6;border-color:#6B3A28}
.secure-notice{display:grid;gap:8px;margin:18px 0;padding:16px 18px;border-radius:14px;background:#FBE9E4;border:1px solid #E7B9A8;color:#7A2A12}
.secure-notice[hidden]{display:none}
.secure-notice p{margin:0;color:inherit}
.secure-notice a{color:inherit;font-weight:700}
:root[data-theme="dark"] .secure-notice{background:#3A1F16;color:#F3D3C6;border-color:#6B3A28}

/* ===== photo-free hero with Smart Start inside it ===== */
.hero3{padding-block:76px 80px}
.hero3 .wrap{grid-template-columns:1.08fr .92fr;column-gap:64px;row-gap:20px;align-items:center}
.hero3 .hero-copy{gap:20px;grid-column:1;grid-row:1;align-self:end}
.hero3 .smart-start{grid-column:2;grid-row:1 / span 2;padding:28px;background:var(--paper);border:1px solid var(--line);border-radius:28px;box-shadow:0 40px 80px -48px rgba(42,36,32,.55)}
.hero3 .hero-actions{grid-column:1;grid-row:2;align-self:start}
.hero3 .paths{grid-column:2;grid-row:1 / span 2;padding:28px;border-radius:28px;gap:10px}
.hero3 .paths-title{font:800 clamp(22px,2.3vw,28px)/1.15 var(--display);letter-spacing:-.01em;margin-bottom:6px}
.hero3 .path{padding:14px 16px;border-radius:16px}
.hero3 h1{font-size:clamp(36px,4.3vw,54px)}
.hero3 .me{margin-bottom:-4px}
.hero3 .tagline{font-size:clamp(17px,1.7vw,20px);margin-top:-8px}
.hero3 .ss-panel h2{font-size:clamp(22px,2.3vw,28px);letter-spacing:-.01em;margin-bottom:16px}
.hero3 .ss-grid{grid-template-columns:1fr;gap:10px}
.hero3 .ss-card{grid-template-columns:44px 1fr auto;column-gap:14px;row-gap:2px;align-items:center;padding:14px 16px;border-radius:16px;box-shadow:none;min-height:0}
.hero3 .ss-card::after{content:"→";grid-column:3;grid-row:1 / span 2;color:var(--terra);font-size:18px}
.hero3 .ss-ic{grid-row:1 / span 2;width:44px;height:44px;border-radius:12px}
.hero3 .ss-card b{margin:0;font-size:17px;grid-column:2}
.hero3 .ss-card>span:last-child{grid-column:2}
.hero3 .ss-note{text-align:left;margin-top:14px;font-size:13px}
/* pre-approval, Book a call and Text D stay one tap away from the hero */
.hero-actions{display:flex;flex-wrap:wrap;gap:4px 22px;font:600 15px/1.5 var(--body)}
.hero-actions a{display:inline-flex;align-items:center;min-height:44px;color:var(--muted);text-decoration:underline;text-decoration-color:var(--line);text-underline-offset:4px}
.hero-actions a:first-child{color:var(--ink)}
.hero-actions a:hover{color:var(--terra);text-decoration-color:currentColor}
@media (max-width:900px){
  .hero3{padding-block:36px 40px}
  .hero3 .wrap{grid-template-columns:1fr;row-gap:22px}
  .hero3 .hero-copy,.hero3 .smart-start,.hero3 .paths,.hero3 .hero-actions{grid-column:1;grid-row:auto;align-self:auto}
  .hero3 .smart-start,.hero3 .paths{padding:18px;border-radius:22px}
}
@media (max-width:560px){
  .hero3{padding-block:16px 28px}
  .hero3 h1{font-size:clamp(29px,8.8vw,36px)}
  .hero3 .wrap{row-gap:16px}
  .hero3 .hero-copy{gap:10px}
  .hero3 .me{gap:10px;margin-bottom:0}
  .hero3 .me .avatar{width:44px;height:44px}
  .hero3 .me b{font-size:15px}
  .hero3 .tagline{font-size:clamp(13.5px,3.9vw,16px);margin-top:-4px}
  .hero3 .lead{display:none}
  .hero3 .smart-start,.hero3 .paths{padding:16px;gap:8px}
  .hero3 .path{padding:10px 12px;grid-template-columns:40px 1fr auto;gap:12px}
  .hero3 .path .ic{width:40px;height:40px}
  .hero3 .path span{font-size:13px}
  .hero3 .ss-panel h2{margin-bottom:12px}
  .hero3 .ss-grid{gap:8px}
  .hero3 .ss-card{padding:10px 12px;min-height:0;grid-template-columns:40px 1fr auto}
  .hero3 .ss-ic{width:40px;height:40px}
  .hero3 .ss-card b{font-size:16px}
  .hero3 .ss-card>span:last-child{font-size:13px}
  .hero3 .ss-note{margin-top:10px}
  .hero-actions{justify-content:center;gap:0 18px;font-size:14px}
}
/* no trust bar. The rating sits under the headline, attributed to Experience.com */
.hero-rate{display:flex;flex-wrap:wrap;align-items:baseline;gap:2px 10px;font:500 15px/1.5 var(--body);color:var(--muted);margin-top:6px}
.hero-rate a{color:inherit;text-decoration:none}
.hero-rate a:hover{color:var(--terra)}
.hero-rate b{color:var(--ink);font-weight:700}
.hero-rate .stars{color:var(--terra);letter-spacing:2px;font-size:14px;margin-right:4px}
@media (max-width:560px){
  .hero-rate{font-size:12.5px;margin-top:0;gap:0 6px}
  .hero-rate .dot{display:none}
  .hero-rate .stars{font-size:11.5px;letter-spacing:1px;margin-right:3px}
}

/* ===== maintenance, October 2026 ===== */
/* Smart Start: a required location that was skipped */
.sh-field+.sh-err{margin-top:0}
.sh-field input[aria-invalid="true"]{border-color:var(--bad);box-shadow:0 0 0 3px color-mix(in srgb,var(--bad) 18%,transparent)}
/* Phone hero: all four Smart Start choices sit above the Call / Text / Apply bar on a common phone screen (375x812, 390x844).
   Same design, slightly tighter spacing. */
@media (max-width:560px){
  .hero3{padding-block:12px 28px}
  .hero3 h1{font-size:clamp(28px,8.2vw,34px)}
  .hero3 .wrap{row-gap:14px}
  .hero3 .hero-copy{gap:8px}
  .hero3 .smart-start,.hero3 .paths{padding:14px}
  .hero3 .ss-panel h2{font-size:20px;margin-bottom:10px}
  .hero3 .ss-grid{gap:6px}
  .hero3 .ss-card{padding:9px 10px;column-gap:10px}
  .hero3 .ss-card b{font-size:15px;letter-spacing:-.01em}
}
@media (max-width:374px){
  .hero3 .smart-start,.hero3 .paths{padding:12px}
  .hero3 .ss-card{padding:9px 8px;column-gap:8px;grid-template-columns:36px 1fr auto}
  .hero3 .ss-ic{width:36px;height:36px}
}
/* On any phone the Call / Text / Apply bar never sits on top of a Smart Start choice: it steps aside while it would cover one (site.js). */
.mobilebar{transition:transform .2s ease,visibility 0s}
.mobilebar.is-away{transform:translateY(110%);visibility:hidden;transition:transform .2s ease,visibility 0s .2s}
@media (prefers-reduced-motion:reduce){.mobilebar,.mobilebar.is-away{transition:none}}
/* ----- Touch areas and small text (accessibility). The look stays the same: touch areas get taller, and on phones the smallest text gets slightly larger. ----- */
/* quick answers: the whole question row opens the answer, not only the line of text */
.qa.qa{--qy:20px;--qx:22px;padding:0}
.qa summary{padding:var(--qy) var(--qx)}
.qa[open] summary{padding-bottom:12px}
.qa p{margin:0 var(--qx)}
.qa p+p{margin-top:12px}
.qa a{margin:10px var(--qx) 0}
.qa[open]{padding-bottom:var(--qy)}
@media (max-width:760px){.answers .qa.qa{--qy:16px;--qx:18px;padding:0}.answers .qa[open]{padding-bottom:var(--qy)}}
/* small links and buttons get an invisible, taller touch area */
.strip a[href^="tel:"],.strip .lang,.theme-toggle,.hero-rate a,.ctx-more a,.direct a,.lc-note button,.reviews .tertiary,.foot-cols a,.footlinks a,footer p a{position:relative}
.strip a[href^="tel:"]::after,.strip .lang::after,.theme-toggle::after,.hero-rate a::after,.ctx-more a::after,.direct a::after,.lc-note button::after,.reviews .tertiary::after,.foot-cols a::after,.footlinks a::after,footer p a::after{content:"";position:absolute;inset:-6px -2px}
.strip a[href^="tel:"]::after,.strip .lang::after,.theme-toggle::after{inset:-10px -3px}
.ctx-more a::after,.direct a::after{inset:-12px -4px}
.hero-rate a::after{inset:-10px -2px}
.foot-cols a::after{inset:-4px 0}
.foot-cols .logo::after{inset:0}
.footlinks{line-height:2.2}
@media (max-width:560px){
  .hero-rate{row-gap:6px}
  .hero-rate a::after{inset:-3px -2px}
  .foot-cols>div{gap:14px}
  .foot-cols a::after{inset:-7px 0}
  /* the smallest text on phones */
  .hero3 .me small{font-size:13px}
  .helper,.rc-disc,.fine,.consent,footer{font-size:13px}
  .tabs small{font-size:12.5px}
  .rtag{font-size:12px}
}
/* ----- Mpire Financial logo beside the ApprovedByD wordmark (header) ----- */
.brand{display:flex;align-items:center;gap:12px;min-width:0}
.brand-mpire{height:30px;width:auto;padding-left:12px;border-left:1px solid var(--line);box-sizing:content-box;filter:brightness(0)}   /* the file is white on clear: shown black on the light header */
:root[data-theme="dark"] .brand-mpire{filter:none}
@media (max-width:560px){.brand{gap:8px}.brand-mpire{height:22px;padding-left:8px}}
.brand{flex:none}
/* the Spanish menu has more and longer items: tighten it a little so the logo fits on one row */
@media (min-width:1081px){:root[lang="es"] .menu>li>a.plain,:root[lang="es"] .drop-btn{padding:10px 5px;font-size:14.5px;white-space:nowrap}:root[lang="es"] .menu-cta{margin-left:6px}:root[lang="es"] .menu-cta .btn{padding-inline:16px;font-size:14.5px}:root[lang="es"] nav.top .wrap{gap:10px}}
@media (min-width:1081px) and (max-width:1240px){:root[lang="es"] .brand-mpire{height:24px;padding-left:9px}:root[lang="es"] .brand{gap:9px}:root[lang="es"] .menu>li>a.plain,:root[lang="es"] .drop-btn{padding:10px 3px;font-size:14px}}
@media (max-width:374px){nav.top .logo{font-size:18px}.brand{gap:6px}.brand-mpire{height:20px;padding-left:6px}}
@media (max-width:339px){nav.top .logo{font-size:16px}.brand-mpire{height:18px}.menu-toggle{padding:10px 11px;gap:8px}}
/* phones: the licence link always sits on its own line under the rating, so the two never run together */
@media (max-width:560px){.hero-rate a:last-child{flex-basis:100%}}
/* Chat button: our own "Chat with Divyesh" pill stands in for Tidio's launcher. Tidio's widget stays hidden until the visitor opens the chat. */
body:not(.chat-open) #tidio-chat{display:none!important}
.chat-pill{position:fixed;right:20px;bottom:calc(20px + env(safe-area-inset-bottom));z-index:39;display:flex;align-items:center;gap:12px;background:var(--green);color:#fff;border:0;border-radius:999px;padding:7px 24px 7px 7px;font:600 17px/1.2 var(--body);cursor:pointer;box-shadow:0 12px 26px -12px rgba(31,61,51,.7)}
.chat-pill img{width:46px;height:46px;border-radius:50%;object-fit:cover;border:2px solid var(--paper)}
.chat-pill:hover{background:var(--green-2)}
.chat-pill:focus-visible{outline:3px solid var(--terra);outline-offset:3px}
:root[data-theme="dark"] .chat-pill{background:var(--green-2);box-shadow:0 12px 26px -12px rgba(0,0,0,.8)}
:root[data-theme="dark"] .chat-pill img{border-color:#FBF7F0}
:root[data-theme="dark"] .chat-pill:hover{background:#376651}
/* phones: a little smaller, and clear of the Call / Text / Apply bar */
@media (max-width:760px){.chat-pill{right:12px;bottom:calc(74px + env(safe-area-inset-bottom));gap:9px;padding:5px 18px 5px 5px;font-size:15px}.chat-pill img{width:38px;height:38px}}
/* hidden while the chat window is open, on phones while a Smart Start choice is on screen, and while a sheet, the phone menu or the booking window is open */
.chat-open .chat-pill,.chat-wait .chat-pill,.sheet-open .chat-pill,body:has(nav.top.open) .chat-pill,body:has(.calendly-overlay) .chat-pill{display:none}
@media print{.chat-pill{display:none}}