/* Hallmark · macrostructure: Marquee Hero · tone: trustworthy / approachable · anchor hue: brand-green
 * Ur Mortgage — shared site styles. Tokens live in tokens.css (imported first in every page).
 * contrast: pass (46–50)  ·  states: default·hover·focus·active·disabled·loading·error·success
 */

/* ============ RESET ============ */
*, *::before, *::after { box-sizing: border-box; }
/* the [hidden] attribute must always win, even on elements with a display rule (e.g. .btn) */
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; overflow-x: clip; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
body {
  margin: 0;
  overflow-x: clip;
  font-family: var(--font-body);
  font-size: var(--text-base);
  line-height: var(--leading-body);
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; color: inherit; }
:where(h1, h2, h3, h4, h5) { margin: 0; font-family: var(--font-display); line-height: var(--leading-tight); letter-spacing: var(--tracking-tight); font-weight: 700; overflow-wrap: anywhere; }
p { margin: 0; }
ul, ol { margin: 0; }

:where(a, button, input, select, textarea):focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
  border-radius: var(--radius-sm);
}

/* ============ LAYOUT PRIMITIVES ============ */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: var(--space-lg); }
.container--narrow { max-width: var(--container-narrow); }
.section { padding-block: var(--space-3xl); }
.section--tight { padding-block: var(--space-2xl); }
/* kill the doubled gap before a plain (non-banded) section — covers band→CTA and plain→CTA */
.section + .section:not(.band):not(.band-tint) { padding-top: 0; }
.section:has(+ .section:not(.band):not(.band-tint)) { padding-bottom: var(--space-xl); }
.band { background: var(--paper-2); }
.band-tint { background: var(--paper-tint); }
.stack > * + * { margin-top: var(--space-md); }
.eyebrow {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: var(--text-sm);
  letter-spacing: var(--tracking-wide);
  text-transform: uppercase;
  color: var(--brand-green-700);
  margin: 0 0 var(--space-sm);
}
.section-head { max-width: 42rem; margin-bottom: var(--space-2xl); }
.section-head h2 { font-size: var(--text-3xl); }
.section-head p { margin-top: var(--space-md); color: var(--ink-soft); font-size: var(--text-lg); }
.center { text-align: center; margin-inline: auto; }
.lede { font-size: var(--text-lg); color: var(--ink-soft); }
.muted { color: var(--ink-soft); }
.tiny { font-size: var(--text-sm); color: var(--ink-faint); }
.green { color: var(--brand-green-700); }

/* ============ BUTTONS (8 states) ============ */
.btn {
  --_bg: var(--brand-green);
  --_fg: #fff;
  display: inline-flex; align-items: center; justify-content: center; gap: 0.55em;
  font-family: var(--font-display); font-weight: 600; font-size: var(--text-base);
  line-height: 1; text-align: center; white-space: nowrap;
  padding: 0.95em 1.6em; border: 1px solid transparent; border-radius: var(--radius-pill);
  background: var(--_bg); color: var(--_fg); cursor: pointer;
  transition: transform var(--dur-fast) var(--ease-out),
              box-shadow var(--dur-mid) var(--ease-out),
              background-color var(--dur-fast) var(--ease-out);
}
.btn:hover, .btn.is-hover { transform: translateY(-2px); box-shadow: var(--shadow-green); background: var(--brand-green-700); }
.btn:active, .btn.is-active { transform: translateY(0); box-shadow: var(--shadow-sm); }
.btn[disabled], .btn[aria-disabled="true"], .btn.is-disabled {
  cursor: not-allowed; opacity: 0.5; transform: none; box-shadow: none;
  background: var(--brand-green); pointer-events: none;
}
.btn[data-state="loading"] { color: transparent; position: relative; pointer-events: none; }
.btn[data-state="loading"]::after {
  content: ""; position: absolute; width: 1.05em; height: 1.05em;
  border: 2px solid rgba(255,255,255,0.45); border-top-color: #fff; border-radius: 50%;
  animation: btn-spin 0.7s linear infinite;
}
@keyframes btn-spin { to { transform: rotate(360deg); } }

.btn--ghost { --_bg: transparent; --_fg: var(--brand-ink); border-color: var(--line); }
.btn--ghost:hover, .btn--ghost.is-hover { background: var(--paper-3); box-shadow: var(--shadow-sm); color: var(--brand-ink); }
.btn--outline { --_bg: transparent; --_fg: var(--brand-green-700); border-color: var(--brand-green); }
.btn--outline:hover, .btn--outline.is-hover { background: var(--brand-green-050); box-shadow: none; color: var(--brand-green-700); }
.btn--lg { font-size: var(--text-lg); padding: 1.1em 2em; }
.btn--block { display: flex; width: 100%; }
.btn--link { background: none; padding: 0; border-radius: 0; color: var(--brand-green-700); font-weight: 600; }
.btn--link:hover { transform: none; box-shadow: none; text-decoration: underline; text-underline-offset: 3px; background: none; }

@media (prefers-reduced-motion: reduce) { .btn { transition: background-color var(--dur-fast) var(--ease-out); } .btn:hover { transform: none; } }

/* ============ HEADER / NAV ============ */
/* the injection wrapper must not box the header, or sticky only sticks within its (header-height) parent */
[data-site-header] { display: contents; }
.site-header {
  position: sticky; top: 0; z-index: 60;
  background: rgba(255,255,255,0.86); backdrop-filter: saturate(150%) blur(12px);
  border-bottom: var(--rule-hair);
}
.nav { display: flex; align-items: center; gap: var(--space-md); min-height: var(--header-h); width: 100%; padding-inline: var(--space-2xl); }
@media (max-width: 1160px) { .nav { padding-inline: var(--space-lg); } }
.nav__logo { display: inline-flex; align-items: center; flex: 0 0 auto; }
.nav__logo img { height: 34px; width: auto; max-width: none; }
/* full-width bar: logo + left nav hug the LEFT, the action group hugs the RIGHT, white space sits in the middle */
.nav__links { display: flex; align-items: center; justify-content: space-between; flex: 1; margin-left: var(--space-md); gap: var(--space-lg); }
.nav__group { display: flex; align-items: center; gap: 0.55rem; flex: 0 1 auto; }
.nav__apply { flex-shrink: 0; }
.nav__phone { font-family: var(--font-display); font-weight: 700; color: var(--brand-green); white-space: nowrap; perspective: 520px; }
.nav__phone:hover { background: var(--brand-green-050); color: var(--brand-green); }
.nav__phone svg { flex: 0 0 auto; color: var(--brand-green); }
.nav__phone-num { display: inline-flex; transform-style: preserve-3d; color: var(--brand-green); }
/* JS toggles .is-out on the container: chars blow away (staggered), the number is swapped, then they blow back in */
.ph-char { display: inline-block; color: var(--brand-green); transform-origin: 50% 50%; will-change: transform, opacity, filter;
  transition: transform 520ms var(--ease-in-out), opacity 520ms var(--ease-in-out), filter 520ms var(--ease-in-out);
  transition-delay: calc(var(--i) * 38ms); }
.nav__phone-num.is-out .ph-char { transform: translate3d(-18px, -30px, 40px) rotateY(92deg) rotateZ(-26deg); opacity: 0; filter: blur(4px); }
@media (prefers-reduced-motion: reduce) { .ph-char { transition: none; } .nav__phone-num.is-out .ph-char { opacity: 1; transform: none; filter: none; } }
.nav__link {
  display: inline-flex; align-items: center; gap: 0.3em; white-space: nowrap; flex-shrink: 0;
  font-family: var(--font-display); font-weight: 500; font-size: 0.93rem;
  padding: 0.5rem 0.6rem; border-radius: var(--radius-sm); color: var(--brand-ink);
  transition: color var(--dur-fast) var(--ease-out), background-color var(--dur-fast) var(--ease-out);
}
.nav__link:hover { color: var(--brand-green-700); background: var(--brand-green-050); }
.nav__link[aria-current="page"] { color: var(--brand-green-700); }
.nav__cta { display: flex; align-items: center; gap: 0.6rem; margin-left: 0.4rem; }

/* dropdown */
.nav__item { position: relative; }
.nav__menu {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 250px;
  background: #fff; border: var(--rule-hair); border-radius: var(--radius-md);
  box-shadow: var(--shadow-lg); padding: var(--space-xs);
  opacity: 0; visibility: hidden; transform: translateY(6px);
  transition: opacity var(--dur-fast) var(--ease-out), transform var(--dur-fast) var(--ease-out), visibility var(--dur-fast);
}
.nav__item:hover .nav__menu, .nav__item:focus-within .nav__menu,
.nav__menu[data-open="true"] { opacity: 1; visibility: visible; transform: translateY(0); }
.nav__menu a {
  display: block; padding: 0.6rem 0.8rem; border-radius: var(--radius-sm);
  font-size: 0.95rem; color: var(--ink-soft);
}
.nav__menu a:hover { background: var(--brand-green-050); color: var(--brand-green-700); }
.nav__caret { width: 0.7em; transition: transform var(--dur-fast) var(--ease-out); }
.nav__item:hover .nav__caret, .nav__item:focus-within .nav__caret { transform: rotate(180deg); }
/* top-level dropdown tabs are buttons — strip the native chrome so they read as nav links */
button.nav__link { background: none; border: 0; cursor: pointer; font: inherit; font-family: var(--font-display); font-weight: 500; font-size: 0.93rem; }
.nav__item[data-open] .nav__caret, .nav__tab[aria-expanded="true"] .nav__caret { transform: rotate(180deg); }
/* the action link at the foot of a dropdown (Start a purchase, Get a quote…) */
.nav__menu-cta { display: flex !important; align-items: center; gap: 0.35rem; margin-top: 0.3rem; padding: 0.6rem 0.8rem !important;
  border-top: var(--rule-soft); border-radius: 0; color: var(--brand-green-700) !important; font-family: var(--font-display); font-weight: 600; }
.nav__menu-cta svg { width: 15px; height: 15px; }
.nav__menu-cta:hover { background: var(--brand-green-050); }

/* CTA dropdown (Apply / Quote / Login) */
.nav__drop { display: inline-flex; }
.nav__drop-btn { padding: 0.7rem 0.7rem; }
.nav__drop-btn .nav__caret { width: 16px; }
.nav__drop-btn[aria-expanded="true"] .nav__caret { transform: rotate(180deg); }
.nav__menu--right { left: auto; right: 0; }
.nav__menu-login { border-top: var(--rule-soft); margin-top: 0.3rem; padding-top: 0.55rem !important; color: var(--ink-soft); font-size: 0.9rem; }

/* mobile toggle */
.nav__burger { display: none; background: none; border: var(--rule-hair); border-radius: var(--radius-sm); padding: 0.5rem 0.6rem; cursor: pointer; margin-left: auto; }
.nav__burger span, .nav__burger span::before, .nav__burger span::after {
  content: ""; display: block; width: 20px; height: 2px; background: var(--brand-ink); border-radius: 2px; transition: transform var(--dur-fast) var(--ease-out), opacity var(--dur-fast);
}
.nav__burger span::before { transform: translateY(-6px); }
.nav__burger span::after { transform: translateY(4px); }

@media (max-width: 1160px) {
  .nav__burger { display: inline-flex; align-items: center; }
  .nav__group { display: contents; }            /* flatten the two groups into the stacked menu */
  .ph-char { animation: none; }                  /* no blow-away in the compact menu */
  .nav__links {
    position: fixed; inset: var(--header-h) 0 auto 0; flex-direction: column; align-items: stretch;
    justify-content: flex-start; flex: none;
    gap: 0.15rem; background: #fff; padding: var(--space-md) var(--space-lg) var(--space-xl);
    border-bottom: var(--rule-hair); box-shadow: var(--shadow-lg); margin-left: 0;
    transform: translateY(-130%); transition: transform var(--dur-mid) var(--ease-out);
    max-height: calc(100dvh - var(--header-h)); overflow-y: auto;
  }
  .nav__phone { justify-content: center; border-bottom: var(--rule-soft); }
  .nav__links[data-open="true"] { transform: translateY(0); }
  .nav__link { padding: 0.85rem 0.6rem; font-size: 1.05rem; border-bottom: var(--rule-soft); border-radius: 0; }
  .nav__menu {
    position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none;
    border: none; border-left: 2px solid var(--brand-green-050); border-radius: 0;
    margin: 0 0 var(--space-sm) var(--space-sm); padding: 0; min-width: 0;
  }
  .nav__apply { width: 100%; justify-content: center; margin-top: var(--space-sm); }
}

/* ============ HERO (Marquee) ============ */
.hero { position: relative; overflow: clip; padding-block: var(--space-3xl) var(--space-4xl); }
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(58% 70% at 82% 4%, rgba(3,199,141,0.14), transparent 60%),
    radial-gradient(48% 55% at 6% 92%, rgba(65,162,237,0.10), transparent 60%);
}
.hero__grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: var(--space-3xl); align-items: center; }
.hero h1 { font-size: var(--text-display); font-weight: 800; letter-spacing: -0.03em; }
.hero h1 .mark { color: var(--brand-green); }
.hero__lede { margin-top: var(--space-lg); font-size: var(--text-xl); color: var(--ink-soft); max-width: 34rem; }
.hero__cta { margin-top: var(--space-xl); display: flex; flex-wrap: wrap; gap: var(--space-md); }
.hero__note { margin-top: var(--space-md); display: flex; align-items: center; gap: 0.5rem; }

/* hero rate card (honest: no invented numbers — labelled "today's example" with em-dash placeholders) */
.ratecard {
  background: #fff; border: var(--rule-hair); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: var(--space-xl); position: relative;
}
.ratecard__row { display: flex; justify-content: space-between; align-items: baseline; padding: var(--space-sm) 0; border-bottom: var(--rule-soft); }
.ratecard__row:last-of-type { border-bottom: none; }
.ratecard__row dt { color: var(--ink-soft); font-size: var(--text-sm); }
.ratecard__row dd { margin: 0; font-family: var(--font-display); font-weight: 700; font-size: var(--text-lg); }
.chip { display: inline-flex; align-items: center; gap: 0.4em; font-size: var(--text-xs); font-weight: 600; padding: 0.3em 0.7em; border-radius: var(--radius-pill); background: var(--brand-green-050); color: var(--brand-green-700); }

@media (max-width: 880px) {
  .hero { padding-block: var(--space-2xl) var(--space-3xl); }
  .hero__grid { grid-template-columns: 1fr; gap: var(--space-2xl); }
}

/* ============ TRUST STRIP ============ */
.trust { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: var(--space-lg); text-align: center; }
.trust__item .num { font-family: var(--font-display); font-weight: 800; font-size: var(--text-3xl); color: var(--brand-ink); line-height: 1; }
.trust__item .lbl { display: block; margin-top: var(--space-xs); color: var(--ink-soft); font-size: var(--text-sm); }
@media (max-width: 620px) { .trust { grid-template-columns: repeat(2, minmax(0,1fr)); gap: var(--space-xl) var(--space-md); } }

/* ============ CARD GRID (loan options) ============ */
.grid { display: grid; gap: var(--space-lg); }
.grid--3 { grid-template-columns: repeat(3, minmax(0,1fr)); }
.grid--2 { grid-template-columns: repeat(2, minmax(0,1fr)); }
@media (max-width: 900px) { .grid--3 { grid-template-columns: repeat(2, minmax(0,1fr)); } }
@media (max-width: 600px) { .grid--3, .grid--2 { grid-template-columns: 1fr; } }

.card {
  background: #fff; border: var(--rule-hair); border-radius: var(--radius-lg);
  padding: var(--space-xl); display: flex; flex-direction: column; gap: var(--space-sm);
  transition: transform var(--dur-mid) var(--ease-out), box-shadow var(--dur-mid) var(--ease-out), border-color var(--dur-mid);
}
a.card:hover, .card.is-hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); border-color: transparent; }
.card__icon {
  width: 52px; height: 52px; border-radius: var(--radius-md); display: grid; place-items: center;
  background: var(--brand-green-050); color: var(--brand-green-700); margin-bottom: var(--space-xs);
}
.card__icon svg { width: 26px; height: 26px; }
.card h3 { font-size: var(--text-xl); }
.card p { color: var(--ink-soft); font-size: 0.97rem; }
.card__link { margin-top: auto; padding-top: var(--space-sm); color: var(--brand-green-700); font-weight: 600; font-family: var(--font-display); display: inline-flex; align-items: center; gap: 0.4em; }
a.card:hover .card__link { gap: 0.7em; }
/* per-type accents */
.card[data-accent="orange"] .card__icon { background: #fff4e6; color: #c9760a; }
.card[data-accent="coral"]  .card__icon { background: #ffe9ef; color: #d63864; }
.card[data-accent="teal"]   .card__icon { background: #e6f6f6; color: #2f8a88; }
.card[data-accent="blue"]   .card__icon { background: #e8f2fd; color: #2173c4; }
.card[data-accent="violet"] .card__icon { background: #f2e8fc; color: #6a1bc0; }
@media (prefers-reduced-motion: reduce) { a.card:hover, .card.is-hover { transform: none; } }

/* ============ STEPS (how it works) ============ */
.steps { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: var(--space-xl); counter-reset: step; }
@media (max-width: 800px) { .steps { grid-template-columns: 1fr; } }
.step { position: relative; padding-left: 0; }
.step__n { font-family: var(--font-display); font-weight: 800; font-size: var(--text-2xl); color: var(--brand-green); }
.step h3 { margin-top: var(--space-xs); font-size: var(--text-lg); }
.step p { margin-top: var(--space-2xs); color: var(--ink-soft); }

/* ============ CALCULATOR TEASER ============ */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-2xl); align-items: center; }
@media (max-width: 820px) { .calc { grid-template-columns: 1fr; gap: var(--space-xl); } }
.calc__panel { background: #fff; border: var(--rule-hair); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); padding: var(--space-xl); }
.calc__readout { text-align: center; padding: var(--space-lg) 0 var(--space-md); }
.calc__readout .amt { font-family: var(--font-display); font-weight: 800; font-size: var(--text-4xl); color: var(--brand-ink); line-height: 1; }
.calc__readout .cap { color: var(--ink-soft); font-size: var(--text-sm); }
.calc__bd { display: grid; gap: 0.4rem; margin-top: var(--space-md); }
.calc__bd .r { display: flex; justify-content: space-between; font-size: 0.95rem; padding: 0.35rem 0; border-bottom: var(--rule-soft); }
.calc__bd .r:last-child { border-bottom: none; }

/* range + field */
.field { display: block; margin-bottom: var(--space-md); }
.field > label { display: flex; justify-content: space-between; font-family: var(--font-display); font-weight: 600; font-size: var(--text-sm); margin-bottom: 0.4rem; }
.field input[type="range"] { width: 100%; accent-color: var(--brand-green); }
.input, .field input[type="text"], .field input[type="number"], .field input[type="email"], .field input[type="tel"], .field input[type="date"], .field select, .field textarea {
  width: 100%; padding: 0.8rem 0.9rem; border: 1px solid var(--line); border-radius: var(--radius-md);
  background: #fff; transition: border-color var(--dur-fast) var(--ease-out), box-shadow var(--dur-fast) var(--ease-out);
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--brand-green); box-shadow: 0 0 0 3px var(--brand-green-050); }

/* ============ LEARNING CENTER ============ */
.post { display: flex; flex-direction: column; background: #fff; border: var(--rule-hair); border-radius: var(--radius-lg); overflow: clip; transition: transform var(--dur-mid) var(--ease-out), box-shadow var(--dur-mid) var(--ease-out); }
a.post:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
.post__cover { aspect-ratio: 16/9; background: linear-gradient(135deg, var(--brand-green-050), #e8f2fd); display: grid; place-items: center; color: var(--brand-green-700); }
.post__body { padding: var(--space-lg); display: flex; flex-direction: column; gap: var(--space-xs); }
.post__cat { font-size: var(--text-xs); font-weight: 600; letter-spacing: var(--tracking-wide); text-transform: uppercase; color: var(--brand-green-700); }
.post h3 { font-size: var(--text-lg); word-spacing: 0.05em; }

/* ============ CTA BANNER ============ */
.cta-band { background: linear-gradient(135deg, var(--brand-green), var(--brand-green-700)); color: #fff; border-radius: var(--radius-xl); padding: var(--space-3xl) var(--space-2xl); text-align: center; position: relative; overflow: clip; }
.cta-band::after { content: ""; position: absolute; inset: 0; background: radial-gradient(60% 120% at 50% -20%, rgba(255,255,255,0.18), transparent 60%); pointer-events: none; }
.cta-band h2 { font-size: var(--text-3xl); position: relative; }
.cta-band p { margin-top: var(--space-md); font-size: var(--text-lg); opacity: 0.92; position: relative; }
.cta-band .hero__cta { justify-content: center; position: relative; }
.cta-band .btn--ghost { --_fg: #fff; border-color: rgba(255,255,255,0.5); background: rgba(255,255,255,0.08); }
.cta-band .btn--ghost:hover { background: rgba(255,255,255,0.18); color: #fff; }
.cta-band .btn { background: #fff; color: var(--brand-green-700); }
.cta-band .btn:hover { background: #fff; box-shadow: 0 12px 30px rgba(0,0,0,0.18); }

/* ============ RATE WATCH (lead capture) ============ */
.ratewatch { background: linear-gradient(135deg, var(--brand-green), var(--brand-green-700)); color: #fff; border-radius: var(--radius-xl); padding: var(--space-2xl); display: grid; grid-template-columns: 1.3fr 1fr; gap: var(--space-xl); align-items: center; position: relative; overflow: clip; }
.ratewatch::after { content: ""; position: absolute; inset: 0; background: radial-gradient(50% 120% at 90% 0%, rgba(255,255,255,0.16), transparent 60%); pointer-events: none; }
.ratewatch > * { position: relative; }
.ratewatch h2 { font-size: var(--text-2xl); }
.ratewatch p { opacity: 0.92; margin-top: var(--space-xs); }
.ratewatch__form { display: flex; gap: 0.6rem; flex-wrap: wrap; }
.ratewatch__form input { flex: 1; min-width: 200px; padding: 0.95rem 1rem; border: none; border-radius: var(--radius-md); font-size: var(--text-base); }
.ratewatch__form input:focus { outline: 3px solid rgba(255,255,255,0.6); outline-offset: 2px; }
.ratewatch__form .btn { background: #fff; color: var(--brand-green-700); }
.ratewatch__form .btn:hover { background: #fff; box-shadow: 0 10px 24px rgba(0,0,0,0.18); }
.ratewatch__done { font-weight: 600; display: none; }
.ratewatch[data-done="true"] .ratewatch__form { display: none; }
.ratewatch[data-done="true"] .ratewatch__done { display: block; }
@media (max-width: 720px) { .ratewatch { grid-template-columns: 1fr; padding: var(--space-xl); } }

/* ============ FOOTER ============ */
.site-footer { background: var(--brand-ink); color: #cfd3d2; padding-block: var(--space-3xl) var(--space-xl); margin-top: 0; }
.footer__top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: var(--space-2xl); }
@media (max-width: 860px) { .footer__top { grid-template-columns: 1fr 1fr; gap: var(--space-xl); } }
@media (max-width: 520px) { .footer__top { grid-template-columns: 1fr; } }
.footer__brand img { height: 26px; filter: brightness(0) invert(1); }
.footer__brand p { margin-top: var(--space-md); font-size: var(--text-sm); color: #9aa0a0; max-width: 30ch; }
.footer__social { display: flex; gap: 0.6rem; margin-top: var(--space-md); }
.footer__social a { width: 38px; height: 38px; border-radius: 50%; display: grid; place-items: center; background: rgba(255,255,255,0.08); color: #cfd3d2; transition: background var(--dur-fast) var(--ease-out), color var(--dur-fast), transform var(--dur-fast); }
.footer__social a:hover { background: var(--brand-green); color: #fff; transform: translateY(-2px); }
.footer__social svg { width: 18px; height: 18px; }
.footer h4 { font-family: var(--font-display); font-size: var(--text-sm); letter-spacing: var(--tracking-wide); text-transform: uppercase; color: #fff; margin-bottom: var(--space-md); }
.footer ul { list-style: none; padding: 0; display: grid; gap: 0.6rem; }
.footer a { color: #cfd3d2; font-size: 0.95rem; }
.footer a:hover { color: var(--brand-green-300); }
.footer__legal { margin-top: var(--space-2xl); padding-top: var(--space-xl); border-top: 1px solid rgba(255,255,255,0.12); font-size: var(--text-xs); color: #9aa0a0; }
.footer__legal p + p { margin-top: var(--space-sm); }
.footer__badges { display: flex; align-items: center; gap: var(--space-md); margin-bottom: var(--space-lg); flex-wrap: wrap; }
.eho { display: inline-flex; align-items: center; gap: 0.5rem; font-size: var(--text-xs); color: #cfd3d2; }
.eho svg { width: 26px; height: 26px; }

/* ============ REVEAL ANIMATION ============ */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity var(--dur-slow) var(--ease-out), transform var(--dur-slow) var(--ease-out); }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } }

/* ============ MOTION: smooth scroll + float + 3D tilt (gated by .motion-on) ============ */
html.lenis, html.lenis body { height: auto; }
.lenis.lenis-smooth { scroll-behavior: auto !important; }
.lenis.lenis-smooth [data-lenis-prevent] { overscroll-behavior: contain; }
.lenis.lenis-stopped { overflow: hidden; }
@keyframes floaty { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-12px); } }
@keyframes drift  { from { transform: translate3d(0,0,0) scale(1); } to { transform: translate3d(-3%, 2.5%, 0) scale(1.06); } }
.motion-on .ratecard { animation: floaty 6.5s var(--ease-in-out) infinite; will-change: transform; }
.motion-on .hero::before { animation: drift 20s var(--ease-in-out) infinite alternate; }
.motion-on .card, .motion-on .post, .motion-on .staff-card, .motion-on .calc__panel { transform-style: preserve-3d; }
@media (prefers-reduced-motion: reduce) { .motion-on .ratecard, .motion-on .hero::before { animation: none; } }

/* ============ GENERIC PAGE / PROSE ============ */
.page-hero { padding-block: var(--space-2xl) var(--space-xl); background: var(--paper-tint); border-bottom: var(--rule-hair); }
.page-hero h1 { font-size: var(--text-4xl); font-weight: 800; letter-spacing: -0.01em; word-spacing: 0.12em; }
.page-hero p { margin-top: var(--space-sm); color: var(--ink-soft); font-size: var(--text-lg); max-width: 46rem; }
.breadcrumb { font-size: var(--text-sm); color: var(--ink-faint); margin-bottom: var(--space-md); }
.breadcrumb a:hover { color: var(--brand-green-700); }
.prose { max-width: var(--container-narrow); }
.prose h2 { font-size: var(--text-2xl); margin-top: var(--space-2xl); margin-bottom: var(--space-sm); }
.prose h3 { font-size: var(--text-lg); margin-top: var(--space-xl); margin-bottom: var(--space-xs); }
.prose p { margin-top: var(--space-md); color: var(--ink-soft); }
.prose ul { margin-top: var(--space-md); padding-left: 1.3rem; color: var(--ink-soft); display: grid; gap: 0.5rem; }
.prose a { color: var(--brand-green-700); text-decoration: underline; text-underline-offset: 3px; }

/* ============ STAFF (Meet the Team) ============ */
.staff-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: var(--space-xl); }
@media (max-width: 860px) { .staff-grid { grid-template-columns: repeat(2, minmax(0,1fr)); } }
@media (max-width: 560px) { .staff-grid { grid-template-columns: 1fr; } }
.staff-card { background: #fff; border: var(--rule-hair); border-radius: var(--radius-lg); overflow: clip; display: flex; flex-direction: column; transition: transform var(--dur-mid) var(--ease-out), box-shadow var(--dur-mid) var(--ease-out); }
.staff-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-lg); }
@media (prefers-reduced-motion: reduce) { .staff-card:hover { transform: none; } }
.staff-card__photo { aspect-ratio: 4/5; background: var(--brand-green-050); display: grid; place-items: center; overflow: clip; }
.staff-card__photo img { width: 100%; height: 100%; object-fit: cover; }
.staff-card__avatar { font-family: var(--font-display); font-weight: 800; font-size: 3rem; color: var(--brand-green-700); }
.staff-card__body { padding: var(--space-lg); display: flex; flex-direction: column; gap: 0.35rem; flex: 1; }
.staff-card__body h3 { font-size: var(--text-lg); }
.staff-card__title { color: var(--brand-green-700); font-weight: 600; font-family: var(--font-display); font-size: var(--text-sm); }
.staff-card__nmls { font-size: var(--text-xs); color: var(--ink-faint); }
.staff-card__bio { color: var(--ink-soft); font-size: 0.92rem; margin-top: 0.4rem; }
.staff-card__contact { margin-top: auto; padding-top: var(--space-md); display: flex; flex-wrap: wrap; gap: 0.75rem; font-size: var(--text-sm); }
.staff-card__contact a { color: var(--brand-green-700); font-weight: 600; display: inline-flex; align-items: center; gap: 0.35rem; }

/* ============ LOAN DETAIL PAGES ============ */
.lp-feats { margin: var(--space-md) 0 0; }
.lp-feat { display: flex; justify-content: space-between; gap: var(--space-md); padding: 0.6rem 0; border-bottom: var(--rule-soft); }
.lp-feat:last-child { border-bottom: none; }
.lp-feat dt { color: var(--ink-soft); font-size: var(--text-sm); margin: 0; }
.lp-feat dd { margin: 0; font-family: var(--font-display); font-weight: 600; text-align: right; }
.lp-best { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: var(--space-md); }
@media (max-width: 600px) { .lp-best { grid-template-columns: 1fr; } }
.lp-best li { position: relative; padding-left: 2.1rem; color: var(--ink-soft); font-size: var(--text-lg); }
.lp-best li::before { content: ""; position: absolute; left: 0; top: 1px; width: 22px; height: 22px; border-radius: 50%; background: var(--brand-green-050); }
.lp-best li::after { content: ""; position: absolute; left: 7px; top: 7px; width: 8px; height: 5px; border-left: 2px solid var(--brand-green-700); border-bottom: 2px solid var(--brand-green-700); transform: rotate(-45deg); }
.lp-faq { padding: var(--space-lg) 0; border-bottom: var(--rule-soft); }
.lp-faq:last-child { border-bottom: none; }
.lp-faq h3 { font-size: var(--text-lg); }
.lp-faq p { margin-top: var(--space-xs); color: var(--ink-soft); }

/* skip link */
.skip { position: absolute; left: -999px; top: 0; background: var(--brand-green-700); color: #fff; padding: 0.6rem 1rem; border-radius: 0 0 var(--radius-sm) 0; z-index: 100; }
.skip:focus { left: 0; }