/* If you have licensed betterSans, drop the files in assets/ and
   uncomment this block — nothing else needs to change.

@font-face{
  font-family:'betterSans';
  src:url('betterSans-Medium.woff2') format('woff2');
  font-weight:500;
  font-style:normal;
  font-display:swap;
}
*/

/* =========================================================
   Linkhome Lending — shared stylesheet
   Black ground, green signal, serif display
   ========================================================= */

:root{
  --black:#0A0A0A;
  --raise:#0F0F0F;
  --card:#141414;
  --line:#242424;
  --line-2:#1B1B1B;
  --white:#FFFFFF;
  --light:#F3F3F1;
  --text:#F5F5F3;
  --mute:#9A9A96;
  --mute-2:#6E6E6A;
  --ink:#101010;
  --grey:#5F6167;
  --grey-2:#8C8E93;
  --green:#22C55E;
  --green-2:#2EE06D;
  --green-deep:#12874O;
  --green-deep:#128740;
  --green-soft:#E7F8EE;
  --red:#EF4444;
  --amber:#F59E0B;

  --serif:'Instrument Serif',Georgia,'Times New Roman',serif;
  /* Banner face. Drop betterSans.woff2 into assets/ and uncomment the
     @font-face block below to switch the hero over to the licensed file. */
  --banner:'betterSans','betterSans Fallback','Plus Jakarta Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --sans:'Plus Jakarta Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  --mono:'Plus Jakarta Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;  /* label/data face */
  --wrap:1560px;      /* outer shell — header, banner and content share it */
  --gutter:52px;      /* the page margin everything lines up on */
  --measure:70ch;     /* longest a line of prose is allowed to get */
  --radius:10px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;background:var(--black);color:var(--text);
  font-family:var(--sans);font-size:16px;line-height:1.62;
  -webkit-font-smoothing:antialiased;
}
a{color:inherit;text-decoration:none}
img,svg{display:block;max-width:100%}
button{font-family:inherit}
:focus-visible{outline:2px solid var(--green);outline-offset:3px}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}

/* ---------- type ---------- */
h1,h2,h3,h4,h5{margin:0;font-family:var(--sans);font-weight:800;letter-spacing:-.032em;line-height:1.1}
.h-xl{font-size:clamp(42px,6.6vw,80px);font-family:var(--serif);font-weight:400;letter-spacing:-.02em;line-height:1.02}
.h-lg{font-size:clamp(30px,4.2vw,46px)}
.h-md{font-size:clamp(21px,2.5vw,28px)}
p{margin:0}
.lede{font-size:17px;line-height:1.65;color:var(--mute);max-width:var(--measure)}

.tag-line{
  font-family:var(--mono);font-size:13px;letter-spacing:.2em;text-transform:uppercase;
  color:var(--green);margin-bottom:18px;
}
.tag-line.on-deep{color:var(--green)}

/* ---------- roofline rule ---------- */
.roofline{width:100%;height:26px;color:var(--line);flex:none}
.roofline path{fill:none;stroke:currentColor;stroke-width:1;vector-effect:non-scaling-stroke}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  padding:13px 26px;border-radius:8px;border:1px solid transparent;
  font-size:15px;font-weight:700;cursor:pointer;
  transition:background .18s,color .18s,border-color .18s,transform .18s;
}
.btn-primary{background:var(--green);color:#06210F}
.btn-primary:hover{background:var(--green-2);transform:translateY(-1px)}
.btn-outline{border-color:rgba(255,255,255,.24);color:#fff;background:transparent}
.btn-outline:hover{border-color:rgba(255,255,255,.55);background:rgba(255,255,255,.06)}
.btn-sm{padding:9px 18px;font-size:14px;border-radius:7px}
.header-cta{border-radius:999px;padding:11px 22px}
.link-arrow{
  display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:15px;color:var(--green);
  border-bottom:1px solid rgba(34,197,94,.35);padding-bottom:3px;
}
.link-arrow:hover{border-bottom-color:var(--green)}

/* ---------- header ---------- */
.site-header{
  position:sticky;top:0;z-index:60;background:rgba(10,10,10,.82);
  backdrop-filter:blur(14px);border-bottom:1px solid var(--line-2);
}
.header-inner{max-width:var(--wrap);margin:0 auto;padding:15px var(--gutter);display:flex;align-items:center;gap:32px}
.brand{display:flex;align-items:center;gap:13px}
.brand img{width:46px;height:auto}
.brand .brand-lockup{width:auto;height:34px}
.brand .name{font-size:22px;font-weight:800;line-height:1;letter-spacing:-.03em}
.brand .name small{
  display:block;font-family:var(--mono);font-size:12.5px;font-weight:500;
  letter-spacing:.26em;color:rgba(255,255,255,.62);margin-top:5px;
}
.site-nav{margin-left:auto;display:flex;align-items:center;gap:30px;font-size:16px;font-weight:600;color:rgba(255,255,255,.78)}
.site-nav a{padding:6px 0;border-bottom:1px solid transparent}
.site-nav a:hover{color:#fff}
.site-nav a.current{color:#fff;border-bottom-color:var(--green)}
.nav-toggle{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 13px;font-size:15px;color:#fff;cursor:pointer}

/* ---------- hero ---------- */
.hero{position:relative;padding:130px 0 120px;overflow:hidden;isolation:isolate}
.hero > *{position:relative;z-index:1}

/* the photograph, dark enough on the left to carry type */
.hero-bg{
  position:absolute;top:0;right:0;bottom:0;left:0;z-index:-2;
  background-image:
    linear-gradient(100deg,rgba(10,10,10,.97) 0%,rgba(10,10,10,.94) 32%,rgba(10,10,10,.72) 52%,rgba(10,10,10,.28) 72%,rgba(10,10,10,.10) 100%),
    url("hero-couple.jpg");
  background-size:cover;background-position:center right;
}

/* AI: a signal pulsing out of the phone in his hand */
.hero-pulse{position:absolute;z-index:-1;top:56%;right:11.5%;width:0;height:0;pointer-events:none}
.hero-pulse span{
  position:absolute;left:50%;top:50%;width:120px;height:120px;margin:-60px 0 0 -60px;
  border:1px solid rgba(34,197,94,.55);border-radius:50%;
  transform:scale(.25);opacity:0;
  animation:aiPulse 3.6s cubic-bezier(.2,.6,.3,1) infinite;
}
.hero-pulse span:nth-child(2){animation-delay:1.2s}
.hero-pulse span:nth-child(3){animation-delay:2.4s}
@keyframes aiPulse{
  0%{transform:scale(.25);opacity:0}
  12%{opacity:.85}
  100%{transform:scale(5.2);opacity:0}
}

/* a slow band of light drifting across, like a scan */
.hero-scan{
  position:absolute;top:0;right:0;bottom:0;left:0;z-index:-1;pointer-events:none;
  background:linear-gradient(100deg,transparent 38%,rgba(34,197,94,.10) 50%,transparent 62%);
  background-size:260% 100%;
  animation:aiScan 9s linear infinite;
}
@keyframes aiScan{0%{background-position:120% 0}100%{background-position:-40% 0}}

.hero-copy{max-width:var(--wrap)}
.hero h1{
  max-width:none;
  font-family:var(--sans);        /* same face as "Today's posted rates" */
  font-style:normal;
  font-weight:800;
  font-size:clamp(38px,5vw,72px);
  line-height:1;
  letter-spacing:-.035em;
  white-space:nowrap;
}
.hero h1 em{font-style:normal;font-weight:500;color:var(--green)}
@media (max-width:900px){.hero h1{font-size:clamp(30px,8.4vw,54px);line-height:1.04;white-space:normal}}
.hero .lede{margin-top:22px;max-width:440px;font-size:18px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px}
.hero-tag{display:flex;align-items:center;gap:9px}
.hero-tag::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--green);flex:none;animation:tagBlink 2.4s ease-in-out infinite}
@keyframes tagBlink{0%,100%{opacity:1}50%{opacity:.35}}
.hero-trust{
  margin-top:26px;font-family:var(--mono);font-size:13px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--mute-2);
}

@media (max-width:900px){
  .hero{padding:96px 0 88px}
  .hero-bg{
    background-image:
      linear-gradient(to bottom,rgba(10,10,10,.94) 0%,rgba(10,10,10,.86) 46%,rgba(10,10,10,.72) 100%),
      url("hero-couple-small.jpg");
    background-position:center right;
  }
  .hero-pulse{top:64%;right:16%}
  .hero .lede{max-width:100%}
}
@media (prefers-reduced-motion:reduce){
  .hero-pulse span,.hero-scan,.hero-tag::before{animation:none}
  .hero-pulse span:first-child{opacity:.5;transform:scale(2.4)}
}

/* rate ticket */
.ticket{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.ticket-head{display:flex;justify-content:space-between;align-items:baseline;padding:15px 20px;border-bottom:1px solid var(--line)}
.ticket-head span{font-family:var(--mono);font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--mute-2)}
.ticket-row{display:flex;justify-content:space-between;align-items:center;gap:14px;padding:14px 20px;border-bottom:1px solid var(--line-2)}
.ticket-row:last-child{border-bottom:none}
.ticket-row .prog{font-size:14.5px;font-weight:600}
.ticket-row .prog small{display:block;font-family:var(--mono);font-size:12.5px;color:var(--mute-2);margin-top:4px;font-weight:400}
.ticket-row .num{font-family:var(--mono);font-size:19px;text-align:right;color:#fff}
.ticket-row .num small{display:block;font-size:12.5px;color:var(--mute-2);margin-top:4px}
.ticket-foot{padding:13px 20px;background:#101010;font-family:var(--mono);font-size:12.5px;color:var(--mute-2);border-top:1px solid var(--line)}

.delta{font-family:var(--mono);font-size:13px;padding:3px 7px;border-radius:4px;white-space:nowrap}
.delta.dn{color:var(--green);background:rgba(34,197,94,.12)}
.delta.up{color:var(--red);background:rgba(239,68,68,.12)}
.delta.fl{color:var(--amber);background:rgba(245,158,11,.12)}

/* ---------- sections ---------- */
.section{padding:92px 0}
.section-paper{background:var(--black)}
.section-deep{background:var(--raise)}
.section-white{background:var(--white);color:var(--ink)}
.section-head{max-width:min(640px,var(--measure));margin-bottom:46px}
.section-head .lede{margin-top:16px}
.section-head.wide{max-width:780px}

/* light-section overrides */
.section-white .lede{color:var(--grey)}
.section-white .tag-line{color:var(--green-deep)}
.section-white .roofline{color:#E2E2DE}
.section-white .btn-outline{border-color:rgba(16,16,16,.25);color:var(--ink)}
.section-white .btn-outline:hover{background:var(--ink);color:#fff}
.section-white .link-arrow{color:var(--green-deep);border-bottom-color:rgba(18,135,64,.3)}
.section-white h2,.section-white h3,.section-white h4,.section-white h1{color:var(--ink)}

/* ---------- program cards ---------- */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:28px 26px 30px;transition:border-color .2s,transform .2s}
.card:hover{border-color:#333;transform:translateY(-3px)}
.card .idx{font-family:var(--mono);font-size:12.5px;color:var(--green);letter-spacing:.16em}
.card h3{font-size:24px;margin:16px 0 12px}
.card p{color:var(--mute);font-size:15px}
.card .spec{margin-top:22px;font-family:var(--mono);font-size:14.5px;color:var(--text)}
.card .spec div{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-top:1px solid var(--line-2)}
.card .spec div span{color:var(--mute-2)}
.card .link-arrow{margin-top:24px}
.section-white .card{background:#fff;border-color:#E4E4E0;box-shadow:0 1px 0 rgba(16,16,16,.02)}
.section-white .card:hover{border-color:#C9C9C4}
.section-white .card p{color:var(--grey)}
.section-white .card .spec{color:var(--ink)}
.section-white .card .spec div{border-top-color:#E0E0DB}

/* ---------- chart ---------- */
.chart-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px 18px}
.chart-head{display:flex;justify-content:space-between;align-items:flex-start;gap:24px;flex-wrap:wrap;margin-bottom:18px}
.chart-head h3{font-size:22px}
.chart-head .k{font-family:var(--mono);font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--green);margin-bottom:8px}
.chart-stats{display:flex;gap:30px;flex-wrap:wrap;text-align:right}
.chart-stats b{display:block;font-family:var(--mono);font-size:18px;font-weight:500;color:#fff}
.chart-stats span{font-family:var(--mono);font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute-2)}
.chart-card svg{width:100%;height:auto}
.chart-foot{margin-top:12px;font-family:var(--mono);font-size:12.5px;line-height:1.7;color:var(--mute-2)}

/* ---------- pricing engine / rate sheet ---------- */
.engine{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.engine-head{padding:17px 22px;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;align-items:baseline;gap:18px;flex-wrap:wrap}
.engine-head .t{font-family:var(--mono);font-size:12.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--green)}
.engine-head .d{font-family:var(--mono);font-size:13.5px;color:var(--mute-2)}
.controls{display:grid;grid-template-columns:repeat(6,1fr);gap:1px;background:var(--line);border-bottom:1px solid var(--line)}
.ctrl{background:var(--card);padding:14px 16px}
.ctrl label{display:block;font-family:var(--mono);font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--mute-2);margin-bottom:9px}
.ctrl select,.ctrl input{
  width:100%;background:transparent;border:none;border-bottom:1px solid #313131;
  color:#fff;font-family:var(--mono);font-size:16px;padding:5px 0;border-radius:0;
  appearance:none;-webkit-appearance:none;cursor:pointer;
}
.ctrl input{cursor:text}
.ctrl select:focus,.ctrl input:focus{outline:none;border-bottom-color:var(--green)}
.ctrl select option{background:#141414;color:#fff}
.sum-strip{display:flex;gap:32px;flex-wrap:wrap;padding:14px 22px;border-bottom:1px solid var(--line);font-family:var(--mono);font-size:13.5px;color:var(--mute-2)}
.sum-strip b{color:#fff;font-weight:500}
.engine table{width:100%;border-collapse:collapse}
.engine th{font-family:var(--mono);font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;font-weight:500;color:var(--mute-2);text-align:right;padding:12px 22px;border-bottom:1px solid var(--line)}
.engine th:first-child{text-align:left}
.engine td{padding:15px 22px;border-bottom:1px solid var(--line-2);text-align:right;font-family:var(--mono);font-size:14.5px;color:var(--text)}
.engine td:first-child{text-align:left;font-family:var(--sans);font-size:15px;font-weight:600;color:#fff}
.engine td small{display:block;font-family:var(--mono);font-size:12.5px;color:var(--mute-2);margin-top:4px;font-weight:400}
.engine tbody tr{transition:background .15s}
.engine tbody tr:hover{background:rgba(255,255,255,.035)}
.engine tbody tr.best{background:rgba(34,197,94,.07);box-shadow:inset 3px 0 0 var(--green)}
.engine .rate-cell{font-size:20px;color:#fff}
.engine .apply-cell{width:1%;white-space:nowrap}
.engine .btn{background:var(--green);color:#06210F;padding:8px 16px;font-size:15px;border-radius:6px}
.engine .btn:hover{background:var(--green-2)}
.engine-foot{padding:16px 22px;font-family:var(--mono);font-size:12.5px;line-height:1.7;color:var(--mute-2)}

/* ---------- estimate box ---------- */
.estimate{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.estimate-head{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:16px 22px;border-bottom:1px solid var(--line)}
.estimate-head h3{font-size:17px;color:#fff}
.estimate-head span{font-family:var(--mono);font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--mute-2)}
.estimate-body{padding:26px 22px}
.field{margin-bottom:22px}
.field:last-child{margin-bottom:0}
.field label{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-size:15.5px;color:var(--mute);margin-bottom:10px}
.field label b{font-family:var(--mono);font-size:15px;color:#fff;font-weight:500}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:3px;background:#2C2C2C;outline:none;border-radius:3px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:16px;height:16px;border-radius:50%;background:var(--green);cursor:pointer}
input[type=range]::-moz-range-thumb{width:16px;height:16px;border:none;border-radius:50%;background:var(--green);cursor:pointer}
.seg{display:flex;gap:8px}
.seg button{flex:1;background:#1C1C1C;border:1px solid var(--line);color:var(--mute);border-radius:7px;padding:10px 0;font-family:var(--mono);font-size:14.5px;cursor:pointer;transition:.15s}
.seg button.active{background:var(--green);border-color:var(--green);color:#06210F;font-weight:700}
.estimate-out{border-top:1px solid var(--line);display:grid;grid-template-columns:1.05fr 1fr}
.estimate-out .total{padding:24px 22px;border-right:1px solid var(--line)}
.estimate-out .total .k{font-family:var(--mono);font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--mute-2);margin-bottom:10px}
.estimate-out .total .v{font-size:42px;font-weight:800;letter-spacing:-.035em;line-height:1;color:#fff}
.estimate-out .total .v i{font-style:normal;font-family:var(--mono);font-size:15px;font-weight:400;color:var(--mute-2);margin-left:5px}
.estimate-out .split{padding:24px 22px;font-family:var(--mono);font-size:14.5px;color:var(--mute-2)}
.estimate-out .split div{display:flex;justify-content:space-between;gap:12px;padding:5px 0}
.estimate-out .split b{color:#fff;font-weight:500}
.estimate-note{padding:14px 22px;border-top:1px solid var(--line);font-family:var(--mono);font-size:12.5px;line-height:1.7;color:var(--mute-2);background:#101010}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line)}
.step{padding:30px 26px 30px 0;border-right:1px solid var(--line)}
.step:last-child{border-right:none;padding-right:0}
.step:not(:first-child){padding-left:26px}
.step .n{font-family:var(--mono);font-size:12.5px;color:var(--green);letter-spacing:.16em}
.step h4{font-size:19px;margin:14px 0 10px}
.step p{font-size:14.5px;color:var(--mute)}
.step .when{margin-top:14px;font-family:var(--mono);font-size:13.5px;color:var(--mute-2)}
.section-white .steps,.section-white .step{border-color:#E4E4E0}
.section-white .step p{color:var(--grey)}
.section-white .step .when{color:var(--grey-2)}

/* ---------- split / features ---------- */
.split-2{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.split-2.tight{gap:40px}
.feature{padding:22px 0;border-top:1px solid var(--line)}
.feature h4{font-size:19px;margin-bottom:9px}
.feature p{color:var(--mute);font-size:15px}
.section-white .feature{border-top-color:#E4E4E0}
.section-white .feature p{color:var(--grey)}

/* ---------- data tables ---------- */
.dtable{width:100%;border-collapse:collapse;background:var(--card);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.dtable th{font-family:var(--mono);font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--mute-2);font-weight:500;text-align:right;padding:13px 20px;border-bottom:1px solid var(--line)}
.dtable th:first-child{text-align:left}
.dtable td{padding:15px 20px;border-bottom:1px solid var(--line-2);font-family:var(--mono);font-size:15.5px;text-align:right;color:var(--text)}
.dtable td:first-child{text-align:left;font-family:var(--sans);font-size:15px;font-weight:600;color:#fff}
.dtable td small{display:block;font-family:var(--sans);font-size:14.5px;color:var(--mute-2);margin-top:4px;font-weight:400}
.dtable tr:last-child td{border-bottom:none}
.dtable tbody tr:hover{background:rgba(255,255,255,.03)}
.section-white .dtable{background:var(--light);border-color:#E4E4E0}
.section-white .dtable th{color:var(--grey-2);border-bottom-color:#E0E0DB}
.section-white .dtable td{color:var(--ink);border-bottom-color:#E7E7E3}
.section-white .dtable td:first-child{color:var(--ink)}
.section-white .dtable td small{color:var(--grey)}
.section-white .dtable tbody tr:hover{background:#EDEDEA}

/* ---------- faq ---------- */
.faq{border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:20px 0;font-size:19px;font-weight:800;letter-spacing:-.02em;display:flex;justify-content:space-between;gap:20px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--mono);font-size:20px;font-weight:400;color:var(--green)}
.faq details[open] summary::after{content:"–"}
.faq .a{padding:0 0 22px;max-width:780px;color:var(--mute);font-size:15px}
.section-white .faq,.section-white .faq details{border-color:#E4E4E0}
.section-white .faq .a{color:var(--grey)}

/* ---------- cta band ---------- */
.cta-band{background:var(--black);padding:56px 0 72px}
.cta-inner{
  background:linear-gradient(105deg,#F7F7F5 0%,#EFF7F1 55%,#DFF3E6 100%);
  border-radius:18px;padding:60px 56px;color:var(--ink);
  display:grid;grid-template-columns:1.45fr .55fr;gap:48px;align-items:center;
}
.cta-inner h2{max-width:16ch;line-height:1.06}
.cta-inner h2{color:var(--ink)}
.cta-inner p{margin-top:14px;max-width:460px;color:#414141}
.cta-actions{display:flex;flex-direction:column;gap:12px;align-items:stretch}
.cta-actions .btn{justify-content:center}
.cta-inner .btn-outline{border-color:rgba(16,16,16,.28);color:var(--ink)}
.cta-inner .btn-outline:hover{background:var(--ink);color:#fff}

/* ---------- forms ---------- */
.form-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:34px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.f{margin-bottom:20px}
.f label{display:block;font-size:15px;font-weight:700;margin-bottom:8px}
.f label i{color:var(--red);font-style:normal}
.f input,.f select,.f textarea{
  width:100%;padding:12px 13px;border:1px solid #2C2C2C;background:#101010;
  font-family:var(--sans);font-size:15px;color:#fff;border-radius:8px;
}
.f textarea{min-height:120px;resize:vertical}
.f input:focus,.f select:focus,.f textarea:focus{border-color:var(--green);outline:none}
.f .hint{font-family:var(--mono);font-size:13px;color:var(--mute-2);margin-top:7px}
.form-msg{display:none;margin-top:18px;padding:14px 16px;background:rgba(34,197,94,.1);border-left:3px solid var(--green);font-size:14.5px;color:#B7F0CD;border-radius:6px}
.form-msg.show{display:block}
.consent{font-size:14px;color:var(--mute-2);line-height:1.6;margin-top:18px}

.section-white .form-card{background:var(--light);border-color:#E4E4E0}
.section-white .f input,.section-white .f select,.section-white .f textarea{background:#fff;border-color:#DEDEDA;color:var(--ink)}
.section-white .f .hint,.section-white .consent{color:var(--grey-2)}
.section-white .form-msg{background:var(--green-soft);color:#0E5C2E}

/* ---------- footer ---------- */
.site-footer{background:var(--black);border-top:1px solid var(--line);color:var(--mute);padding:56px 0 34px;font-size:16px}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:36px}
.site-footer .brand .name{color:#fff}
.site-footer h5{font-size:14px;letter-spacing:.14em;text-transform:uppercase;color:var(--mute-2);margin-bottom:14px;font-weight:700}
.site-footer ul{list-style:none;margin:0;padding:0;line-height:2}
.site-footer a:hover{color:#fff}
.footer-legal{margin-top:44px;padding-top:22px;border-top:1px solid var(--line-2);font-size:13.5px;line-height:1.75;color:var(--mute-2)}
.footer-bottom{margin-top:18px;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:14px;color:var(--mute-2)}
.ehl{display:flex;align-items:center;gap:8px}

/* ---------- reveal ---------- */
.rv{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.rv.in{opacity:1;transform:none}

/* ---------- responsive ---------- */
@media (max-width:1000px){
  .hero-grid,.split-2,.cta-inner{grid-template-columns:1fr;gap:40px}
  .cta-actions{align-items:flex-start}
  .cta-actions .btn{width:auto}
  .cards{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .controls{grid-template-columns:repeat(3,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .site-nav{
    display:none;position:absolute;top:100%;left:0;right:0;background:var(--black);
    border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;gap:0;padding:10px 28px 18px;
  }
  .site-nav.open{display:flex}
  .site-nav a{padding:11px 0;width:100%}
  .nav-toggle{display:inline-block}
  .header-cta{display:none}
  .cards,.steps,.form-row,.footer-grid,.estimate-out{grid-template-columns:1fr}
  .step{border-right:none;padding:24px 0;border-top:1px solid var(--line)}
  .step:not(:first-child){padding-left:0}
  .step:first-child{border-top:none}
  .estimate-out .total{border-right:none;border-bottom:1px solid var(--line)}
  .controls{grid-template-columns:repeat(2,1fr)}
  .engine-wrap{overflow-x:auto}
  .engine table{min-width:720px}
  .section{padding:64px 0}
  .cta-inner{padding:44px 26px}
  .form-card{padding:24px 20px}
  .chart-stats{gap:20px;text-align:left}
}
@media (prefers-reduced-motion:reduce){
  *{transition:none!important;animation:none!important}
  .rv{opacity:1;transform:none}
  html{scroll-behavior:auto}
}

/* =========================================================
   Rate console — one focal number, made yours
   ========================================================= */
.rc-intro{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;flex-wrap:wrap;margin-bottom:28px}
.console{background:var(--card);border:1px solid var(--line);border-radius:14px;overflow:hidden}

.rc-tabs{display:grid;grid-template-columns:repeat(6,1fr);border-bottom:1px solid var(--line)}
.rc-tab{
  background:transparent;border:none;border-right:1px solid var(--line);
  padding:16px 14px;text-align:left;cursor:pointer;color:var(--mute);
  transition:background .16s,color .16s;position:relative;
}
.rc-tab:last-child{border-right:none}
.rc-tab:hover{background:rgba(255,255,255,.03);color:#fff}
.rc-tab .n{display:block;font-size:14.5px;font-weight:600;letter-spacing:-.01em;margin-bottom:7px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.rc-tab .r{display:block;font-family:var(--mono);font-size:15px;color:var(--mute-2)}
.rc-tab.on{background:rgba(34,197,94,.08);color:#fff}
.rc-tab.on::after{content:"";position:absolute;left:0;right:0;bottom:-1px;height:2px;background:var(--green)}
.rc-tab.on .r{color:var(--green)}

.rc-body{display:grid;grid-template-columns:1.25fr .75fr}
.rc-figure{padding:34px 32px 30px;border-right:1px solid var(--line)}
.rc-rate{display:flex;align-items:baseline;gap:4px;font-family:var(--sans);font-weight:800;letter-spacing:-.045em;line-height:.92;color:#fff;font-size:clamp(66px,10vw,112px)}
.rc-rate i{font-style:normal;font-size:.34em;font-weight:700;color:var(--mute-2);letter-spacing:-.02em}
.rc-sub{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-top:20px;font-family:var(--mono);font-size:14.5px;color:var(--mute-2)}
.rc-sub .chip{background:#1C1C1C;border:1px solid var(--line);border-radius:6px;padding:5px 10px;color:var(--text)}
.rc-spark{margin-top:26px}
.rc-spark svg{width:100%;height:52px;display:block}
.rc-range{margin-top:18px}
.rc-range-bar{position:relative;height:3px;border-radius:3px;background:linear-gradient(90deg,rgba(34,197,94,.55),rgba(239,68,68,.45))}
.rc-range-bar span{position:absolute;top:50%;width:11px;height:11px;border-radius:50%;background:#fff;transform:translate(-50%,-50%);box-shadow:0 0 0 4px var(--card);transition:left .3s ease}
.rc-range-lbl{display:flex;justify-content:space-between;gap:12px;margin-top:12px;font-family:var(--mono);font-size:13px;color:var(--mute-2)}
.rc-range-lbl b{color:var(--text);font-weight:500}

.rc-pay{padding:34px 32px 30px;display:flex;flex-direction:column}
.rc-pay-top label{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-size:15px;color:var(--mute);margin-bottom:12px}
.rc-pay-top label b{font-family:var(--mono);font-size:15px;color:#fff;font-weight:500}
.rc-pay-out{margin:28px 0 24px;padding-top:24px;border-top:1px solid var(--line)}
.rc-pay-out .k{display:block;font-family:var(--mono);font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--mute-2);margin-bottom:12px}
.rc-pay-out b{display:block;font-size:42px;font-weight:800;letter-spacing:-.035em;line-height:1;color:#fff}
.rc-pay-out small{display:block;font-family:var(--mono);font-size:13px;color:var(--mute-2);margin-top:12px}
.rc-note{margin-top:20px;font-family:var(--mono);font-size:12.5px;line-height:1.75;color:var(--mute-2)}

@media (max-width:900px){
  .rc-tabs{grid-template-columns:repeat(3,1fr)}
  .rc-tab:nth-child(3n){border-right:none}
  .rc-tab:nth-child(-n+3){border-bottom:1px solid var(--line)}
  .rc-body{grid-template-columns:1fr}
  .rc-figure{border-right:none;border-bottom:1px solid var(--line)}
}
@media (max-width:560px){
  .rc-tabs{grid-template-columns:repeat(2,1fr)}
  .rc-tab:nth-child(3n){border-right:1px solid var(--line)}
  .rc-tab:nth-child(2n){border-right:none}
  .rc-figure,.rc-pay{padding:26px 22px}
}
.rc-sub .chip.low{background:rgba(34,197,94,.12);border-color:rgba(34,197,94,.4);color:var(--green)}

/* =========================================================
   Home page — rates beside the estimator
   ========================================================= */
.sec-center{text-align:center;max-width:700px;margin:0 auto 44px}
.sec-center .lede{margin-top:14px}

.rates-calc{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:start}
.rc-rates h2,.rc-calc h2{color:#fff;margin-bottom:22px}

.rate-rows{border-top:1px solid var(--line)}
.rate-row{
  display:grid;grid-template-columns:1fr auto 62px;gap:18px;align-items:center;
  padding:15px 4px;border-bottom:1px solid var(--line-2);transition:background .15s;
}
.rate-row:hover{background:rgba(255,255,255,.035)}
.rr-name{font-size:15px;font-weight:600;color:#fff}
.rr-name small{display:block;font-family:var(--mono);font-size:12.5px;color:var(--mute-2);margin-top:5px;font-weight:400}
.rr-rate{
  font-family:var(--serif);font-weight:400;font-size:27px;line-height:1;
  letter-spacing:-.01em;color:#fff;text-align:right;
}
.rr-rate small{display:block;font-family:var(--mono);font-size:12.5px;color:var(--mute-2);margin-top:7px;letter-spacing:0}
.rr-move{font-family:var(--mono);font-size:13px;color:var(--mute-2);text-align:right}
.rr-move.dn{color:var(--green)}
.rr-move.up{color:var(--red)}
.rate-loading{padding:28px 0;font-family:var(--mono);font-size:14px;color:var(--mute-2)}
.rc-rates .link-arrow{margin-top:24px;display:inline-block}
.rate-note{margin-top:22px;font-family:var(--mono);font-size:12.5px;line-height:1.75;color:var(--mute-2);max-width:460px}

@media (max-width:1000px){
  .rates-calc{grid-template-columns:1fr;gap:56px}
  .rate-note{max-width:none}
}

/* =========================================================
   Calculators — one column, one tool at a time
   ========================================================= */
.calc-page{padding:72px 0 96px}
.calc-wrap{max-width:min(660px,100%);margin:0 auto;padding:0 var(--gutter);box-sizing:content-box}
.calc-page h1{margin-bottom:14px}
.calc-page .lede{margin-bottom:34px}
.calc-tabs{display:flex;gap:24px;flex-wrap:wrap;border-bottom:1px solid var(--line);margin-bottom:28px}
.calc-tabs button{
  background:none;border:none;padding:0 0 14px;font-size:15px;color:var(--mute);cursor:pointer;
  border-bottom:2px solid transparent;margin-bottom:-1px;transition:color .16s,border-color .16s;
}
.calc-tabs button:hover{color:#fff}
.calc-tabs button.on{color:#fff;font-weight:700;border-bottom-color:var(--green)}
.calc-pane[hidden]{display:none}
.calc-cta{margin-top:32px;display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.calc-cta p{font-size:15.5px;color:var(--mute-2)}
@media (max-width:560px){
  .calc-tabs{gap:16px}
  .calc-tabs button{font-size:16px}
  .calc-page{padding:52px 0 72px}
}


/* =========================================================
   Monochrome pages (rates, calculators)
   Light ground, black as the only accent
   ========================================================= */
.theme-mono{background:#F4F4F2;color:#0A0A0A}

/* header/footer stay black; their green bits go white so the
   page reads as one black-and-white system */
.theme-mono .site-header .btn-primary{background:var(--green);color:#06210F}
.theme-mono .site-header .btn-primary:hover{background:var(--green-2)}
.theme-mono .site-nav a.current{border-bottom-color:#fff}
.theme-mono .site-footer a:hover{color:#fff}


/* calculators on white */
.theme-mono .calc-page h1,
.theme-mono .calc-page .lede{color:#0A0A0A}
.theme-mono .calc-page .lede{color:#4A4A46}
.theme-mono .calc-tabs{border-bottom-color:#DCDCD8}
.theme-mono .calc-tabs button{color:#6A6A66}
.theme-mono .calc-tabs button:hover{color:#0A0A0A}
.theme-mono .calc-tabs button.on{color:#0A0A0A;border-bottom-color:#0A0A0A}

.theme-mono .estimate{background:#fff;border-color:#E2E2DE;border-radius:12px}
.theme-mono .estimate-head{border-bottom-color:#E2E2DE}
.theme-mono .estimate-head h3{color:#0A0A0A}
.theme-mono .estimate-head span{color:#77776F}
.theme-mono .field label{color:#6A6A66}
.theme-mono .field label b{color:#0A0A0A}
.theme-mono input[type=range]{background:#DCDCD8}
.theme-mono input[type=range]::-webkit-slider-thumb{background:#0A0A0A}
.theme-mono input[type=range]::-moz-range-thumb{background:#0A0A0A}
.theme-mono .seg button{background:#F4F4F2;border-color:#DCDCD8;color:#6A6A66}
.theme-mono .seg button:hover{color:#0A0A0A}
.theme-mono .seg button.active{background:var(--green);border-color:var(--green);color:#06210F;font-weight:700}
.theme-mono .estimate-out{border-top-color:#E2E2DE}
.theme-mono .estimate-out .total{border-right-color:#E2E2DE}
.theme-mono .estimate-out .total .k{color:#77776F}
.theme-mono .estimate-out .total .v{color:#0A0A0A}
.theme-mono .estimate-out .total .v i{color:#77776F}
.theme-mono .estimate-out .split{color:#77776F}
.theme-mono .estimate-out .split b{color:#0A0A0A}
.theme-mono .estimate-note{background:#F7F7F5;border-top-color:#E2E2DE;color:#77776F}
.theme-mono .calc-cta p{color:#6A6A66}
.theme-mono .calc-page .btn-primary{background:var(--green);color:#06210F;border-color:var(--green)}
.theme-mono .calc-page .btn-primary:hover{background:var(--green-2)}

/* four short points, two up two down — no dead column */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 56px}
.why-grid .feature{padding:24px 0}
@media (max-width:760px){.why-grid{grid-template-columns:1fr;gap:0}}

/* hero: copy left, home at dusk right */
.hero .hero-grid{grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero-tag{display:flex;align-items:center;gap:9px}
.hero-tag::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--green);flex:none}
.hero-art{margin:0}
.hero-art img{width:100%;height:auto;border-radius:16px;border:1px solid var(--line)}
@media (max-width:900px){
  .hero .hero-grid{grid-template-columns:1fr;gap:36px}
  .hero-art{max-width:460px}
}

/* footer: the legal entity block */
.f-entity{font-size:16px;font-weight:600;color:#fff;margin-bottom:10px;max-width:300px}
.f-lic{font-family:var(--mono);font-size:12.5px;line-height:1.85;color:var(--mute-2);max-width:320px;margin-bottom:10px}
.f-lic b{display:block;color:var(--mute);font-weight:500;letter-spacing:.12em;text-transform:uppercase;margin-bottom:4px}
.f-lic a{border-bottom:1px solid rgba(255,255,255,.25)}
.f-lic a:hover{color:#fff}

/* =========================================================
   Photo-backed section (Nasdaq listing)
   ========================================================= */
.section-photo{position:relative;overflow:hidden;isolation:isolate}
.photo-bg{
  position:absolute;top:0;right:0;bottom:0;left:0;z-index:-1;
  background-image:linear-gradient(105deg,rgba(10,10,10,.94) 0%,rgba(10,10,10,.86) 42%,rgba(10,10,10,.55) 100%),
                   url("nasdaq-bell.jpg");
  background-size:cover;background-position:center 38%;
}
.section-photo{padding:104px 0}
.section-photo .section-head{margin-bottom:0}
.section-head-wide{max-width:760px}
.section-photo .lede{margin-top:16px;color:rgba(255,255,255,.72)}
.section-photo .steps{border-top-color:rgba(255,255,255,.22)}
.section-photo .step{border-right-color:rgba(255,255,255,.22)}
.section-photo .step p{color:rgba(255,255,255,.76)}
.section-photo .step .when{color:rgba(255,255,255,.5)}
@media (max-width:900px){
  .photo-bg{background-image:linear-gradient(to bottom,rgba(10,10,10,.72) 0%,rgba(10,10,10,.88) 100%),url("nasdaq-bell-small.jpg")}
  .section-photo{padding:72px 0}
}
@media (max-width:560px){ .brand .brand-lockup{height:28px} }

/* =========================================================
   Nav dropdown (Rates)
   ========================================================= */
.nav-item{position:relative}
.has-menu > a{display:inline-flex;align-items:center;gap:6px}
.has-menu .caret{opacity:.65;transition:transform .18s,opacity .18s}
.has-menu:hover .caret,.has-menu:focus-within .caret{opacity:1;transform:rotate(180deg)}
/* keeps hover alive while the pointer crosses the gap */
.has-menu::after{content:"";position:absolute;left:0;right:0;top:100%;height:14px}
.nav-menu{
  position:absolute;top:calc(100% + 12px);left:-16px;min-width:200px;z-index:70;
  background:var(--card);border:1px solid var(--line);border-radius:12px;padding:8px;
  box-shadow:0 24px 48px -28px rgba(0,0,0,.9);
  display:flex;flex-direction:column;
  opacity:0;visibility:hidden;transform:translateY(6px);
  transition:opacity .18s ease,transform .18s ease,visibility .18s;
}
.has-menu:hover .nav-menu,.has-menu:focus-within .nav-menu{opacity:1;visibility:visible;transform:none}
.nav-menu a{
  padding:10px 14px;border-radius:8px;font-size:15px;font-weight:500;
  color:var(--mute);border-bottom:none;white-space:nowrap;
}
.nav-menu a:hover,.nav-menu a:focus-visible{background:rgba(255,255,255,.06);color:#fff}

@media (max-width:760px){
  .nav-item{width:100%}
  .has-menu::after{display:none}
  .nav-menu{
    position:static;opacity:1;visibility:visible;transform:none;
    background:transparent;border:none;box-shadow:none;padding:0 0 6px 14px;min-width:0;
  }
  .nav-menu a{padding:9px 0;font-size:16px}
}

/* =========================================================
   Listing + CTA — the whole bell photo, nothing cropped
   ========================================================= */
.listing{position:relative;background:var(--black);isolation:isolate}
.listing-photo{display:block;width:100%;height:auto}
.listing-veil{
  position:absolute;top:0;right:0;bottom:0;left:0;
  background:linear-gradient(100deg,rgba(10,10,10,.96) 0%,rgba(10,10,10,.93) 34%,rgba(10,10,10,.72) 50%,rgba(10,10,10,.30) 72%,rgba(10,10,10,.10) 100%);
}
.listing-copy{position:absolute;top:0;right:0;bottom:0;left:0;display:flex;align-items:center}
.listing-copy .wrap{width:100%}
.listing-copy .h-lg{color:#fff;max-width:14ch}
.listing-copy .lede{margin-top:16px;max-width:420px;color:rgba(255,255,255,.72)}

/* below 1000px the photo is too short to hold the copy — stack instead */
@media (max-width:1000px){
  .listing-veil{background:linear-gradient(to bottom,rgba(10,10,10,.45) 0%,rgba(10,10,10,.75) 70%,var(--black) 100%)}
  .listing-copy{position:static;padding:0 0 72px;display:block}
  .listing-copy .h-lg{max-width:none}
  .listing-photo{margin-bottom:-1px}
  .listing{padding-bottom:0}
  .listing-copy .wrap{padding-top:36px}
}

/* estimator on its own, centred */
.calc-single{max-width:660px}
.calc-single .estimate{margin:0 auto}

/* Equal Housing Opportunity mark */
.ehl{display:flex;align-items:center;gap:12px;color:rgba(255,255,255,.62)}
.ehl img{width:30px;height:auto}
.ehl span{line-height:1.4}

/* hero proof points */
.hero-stats{display:flex;gap:52px;flex-wrap:wrap;margin-top:38px}
.hero-stats b{
  display:block;font-family:var(--sans);font-weight:800;font-size:38px;line-height:1;
  letter-spacing:-.03em;color:#fff;margin-bottom:9px;
}
.hero-stats span{font-family:var(--mono);font-size:13.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--mute-2)}
@media (max-width:560px){
  .hero-stats{gap:32px;margin-top:30px}
  .hero-stats b{font-size:30px}
}

/* =========================================================
   Header call button
   ========================================================= */
.call-btn{
  position:relative;flex:none;width:42px;height:42px;border-radius:50%;
  border:1px solid rgba(255,255,255,.28);color:#fff;
  display:flex;align-items:center;justify-content:center;
  transition:background .18s,color .18s,border-color .18s;
}
.call-btn:hover,.call-btn:focus-visible{background:#fff;color:var(--black);border-color:#fff}
.call-pop{
  position:absolute;top:calc(100% + 14px);right:0;z-index:80;
  background:#fff;color:var(--ink);border-radius:14px;
  padding:16px 22px;white-space:nowrap;font-size:15.5px;font-weight:500;
  box-shadow:0 26px 50px -26px rgba(0,0,0,.85);
  opacity:0;visibility:hidden;transform:translateY(6px);
  transition:opacity .18s ease,transform .18s ease,visibility .18s;
}
.call-pop b{font-weight:600;border-bottom:1.5px solid var(--ink);padding-bottom:1px}
.call-btn:hover .call-pop,.call-btn:focus-visible .call-pop{opacity:1;visibility:visible;transform:none}
/* the gap between button and card stays hoverable */
.call-btn::after{content:"";position:absolute;top:100%;right:0;width:100%;height:16px}

@media (max-width:760px){
  .call-btn{width:38px;height:38px;margin-left:auto;order:2}
  .nav-toggle{margin-left:14px;order:3}
  .call-pop{right:-6px;font-size:14.5px;padding:13px 18px}
}

/* =========================================================
   Home page — header sits inside the banner
   ========================================================= */
.header-over{
  position:fixed;top:0;left:0;right:0;
  background:transparent;backdrop-filter:none;border-bottom:1px solid transparent;
  transition:background .28s ease,border-color .28s ease,backdrop-filter .28s ease;
}
.header-over.scrolled{
  background:rgba(10,10,10,.9);backdrop-filter:blur(14px);
  border-bottom-color:var(--line-2);
}
/* the banner starts at the very top; its copy clears the floating header */
.hero-photo{padding-top:186px}
@media (max-width:900px){.hero-photo{padding-top:140px}}
@media (max-width:560px){.hero-photo{padding-top:120px}}

/* =========================================================
   Contact — hotline + branch grid
   ========================================================= */
.hotline{border:1px solid var(--line);border-radius:12px;padding:24px 26px;background:var(--card)}
.hotline .k{font-family:var(--mono);font-size:12.5px;letter-spacing:.16em;text-transform:uppercase;color:var(--green);margin-bottom:12px}
.hotline a{display:block;font-size:32px;font-weight:800;letter-spacing:-.03em;color:#fff}
.hotline a:hover{color:var(--green)}
.hotline .hours{margin-top:12px;font-family:var(--mono);font-size:13.5px;color:var(--mute-2)}

.branches{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#E4E4E0;border:1px solid #E4E4E0;border-radius:12px;overflow:hidden}
.branch{background:#fff;padding:26px 24px}
.branch h3{font-size:17px;font-weight:800;letter-spacing:-.02em;color:var(--ink);margin-bottom:8px}
.branch-nmls{font-family:var(--mono);font-size:13px;letter-spacing:.08em;color:var(--grey-2);margin-bottom:14px}
.branch-addr{font-size:14.5px;line-height:1.6;color:var(--grey);margin-bottom:14px}
.branch-tel{font-family:var(--mono);font-size:14.5px;color:var(--green-deep);border-bottom:1px solid rgba(18,135,64,.3);padding-bottom:2px}
.branch-tel:hover{border-bottom-color:var(--green-deep)}
.branch-note{margin-top:26px;font-family:var(--mono);font-size:12.5px;line-height:1.8;color:var(--grey-2);max-width:760px}
.branch-note a{border-bottom:1px solid rgba(18,135,64,.35);color:var(--green-deep)}

@media (max-width:900px){.branches{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.branches{grid-template-columns:1fr}}

/* =========================================================
   Contact banner
   ========================================================= */
.contact-hero{
  position:relative;overflow:hidden;
  min-height:min(48vw,500px);
  display:flex;align-items:flex-end;
  padding:200px 0 82px;
}
.contact-hero > *{position:relative;z-index:1}
.contact-hero .wrap{width:100%}
.contact-hero-bg{
  position:absolute;top:0;right:0;bottom:0;left:0;z-index:-2;
  background-image:
    /* keeps the type readable at bottom-left without flattening the room */
    linear-gradient(20deg,rgba(10,10,10,.9) 0%,rgba(10,10,10,.55) 24%,rgba(10,10,10,0) 55%),
    linear-gradient(100deg,rgba(10,10,10,.86) 0%,rgba(10,10,10,.7) 24%,rgba(10,10,10,.34) 44%,rgba(10,10,10,.05) 70%,rgba(10,10,10,0) 100%),
    linear-gradient(to bottom,rgba(10,10,10,.78) 0%,rgba(10,10,10,.56) 10%,rgba(10,10,10,.1) 24%,rgba(10,10,10,0) 38%),
    linear-gradient(rgba(10,10,10,.3),rgba(10,10,10,.3)),
    url("contact-hero.jpg");
  background-size:cover,cover,cover,cover,cover;
  background-position:center 34%;
}
@media (max-width:900px){
  .contact-hero{min-height:0;padding:146px 0 70px;display:block}
  .contact-hero-bg{
    background-image:
      linear-gradient(to bottom,rgba(10,10,10,.55) 0%,rgba(10,10,10,.78) 55%,rgba(10,10,10,.92) 100%),
      url("contact-hero-small.jpg");
    background-position:center 30%;
  }
}

/* =========================================================
   Full-width header + banners
   ========================================================= */
.wrap-wide{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.hero .hero-copy,
.contact-hero .wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.site-nav{margin-left:auto}

@media (max-width:1100px){:root{--gutter:34px}}
@media (max-width:760px){:root{--gutter:24px}}
/* the rates page keeps its reading column, but the banner runs wide */
.rl-wrap-wide{max-width:none;padding:0 var(--gutter)}
.rl-wrap-wide .rl-tabgroups,
.rl-wrap-wide .rl-list,
.rl-wrap-wide .rl-stamp,
.rl-wrap-wide .rl-cta,
.rl-wrap-wide .rl-notes{max-width:1000px}

/* =========================================================
   Team
   ========================================================= */
/* team banner: the Times Square listing photo */
.team-hero{position:relative;overflow:hidden;min-height:0;display:block;padding:206px 0 110px}
/* only the team page carries a photo; about/reviews reuse the class for spacing */
.team-hero .contact-hero-bg{
  display:block;
  background-image:
    linear-gradient(100deg,rgba(10,10,10,.95) 0%,rgba(10,10,10,.9) 32%,rgba(10,10,10,.62) 54%,rgba(10,10,10,.24) 78%,rgba(10,10,10,.06) 100%),
    linear-gradient(to bottom,rgba(10,10,10,.78) 0%,rgba(10,10,10,.56) 10%,rgba(10,10,10,.1) 24%,rgba(10,10,10,0) 38%),
    url("team-bell.jpg");
  background-size:cover;background-position:58% 34%;
}
@media (max-width:900px){
  .team-hero{padding:150px 0 80px}
  .team-hero .contact-hero-bg{
    background-image:linear-gradient(to bottom,rgba(10,10,10,.7) 0%,rgba(10,10,10,.86) 55%,rgba(10,10,10,.96) 100%),url("team-bell-small.jpg");
    background-position:56% 30%;
  }
}

.tm-face{
  position:relative;display:flex;align-items:center;justify-content:center;flex:none;
  width:84px;height:84px;border-radius:50%;overflow:hidden;
  background:linear-gradient(150deg,#20241F 0%,#171917 100%);
  border:1px solid var(--line);
  font-family:var(--sans);font-weight:700;font-size:24px;letter-spacing:.02em;
  color:rgba(255,255,255,.55);
}
/* a faint wash at the base so the default avatar reads as a choice */
.tm-face::after{
  content:"";position:absolute;left:0;right:0;bottom:0;height:34%;
  background:linear-gradient(to top,rgba(34,197,94,.10),rgba(34,197,94,0));
  pointer-events:none;
}
.tm-face::before{content:attr(data-initials)}
.tm-face img{position:absolute;top:0;left:0;width:100%;height:100%;object-fit:cover}

.tm-leads{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.tm-lead{background:var(--card);padding:28px 26px;display:flex;gap:20px;align-items:flex-start}
.tm-lead h3{font-size:18px;font-weight:800;letter-spacing:-.02em;color:#fff}
.tm-lead .tm-role{font-family:var(--mono);font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--green);margin-top:7px}
.tm-bio{list-style:none;margin:15px 0 0;padding:0}
.tm-bio li{position:relative;padding-left:14px;font-size:15.5px;line-height:1.6;color:var(--mute);margin-bottom:7px}
.tm-bio li::before{content:"";position:absolute;left:0;top:9px;width:5px;height:1px;background:var(--mute-2)}
.tm-mail{display:inline-block;margin-top:14px;font-family:var(--mono);font-size:14px;color:var(--mute);border-bottom:1px solid var(--line)}
.tm-mail:hover{color:#fff;border-bottom-color:var(--mute)}

.tm-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#E4E4E0;border:1px solid #E4E4E0;border-radius:12px;overflow:hidden}
.tm-card{background:#fff;padding:26px 22px 24px;text-align:center}
.tm-card .tm-face{
  margin:0 auto 16px;border-color:#E4E4E0;color:#8C8C85;
  background:linear-gradient(150deg,#F4F5F2 0%,#E9EAE6 100%);
}
.tm-card .tm-face::after{background:linear-gradient(to top,rgba(18,135,64,.09),rgba(18,135,64,0))}
.tm-card h4{font-size:16px;font-weight:800;letter-spacing:-.02em;color:var(--ink)}
.tm-card .tm-role{font-family:var(--mono);font-size:12.5px;letter-spacing:.11em;text-transform:uppercase;color:var(--green-deep);margin-top:7px}
.tm-card .tm-mail{color:var(--grey);border-bottom-color:#DEDEDA;font-size:13.5px;word-break:break-all}
.tm-card .tm-mail:hover{color:var(--ink);border-bottom-color:var(--grey)}
.tm-note{margin-top:26px;font-family:var(--mono);font-size:12.5px;line-height:1.8;color:var(--grey-2);max-width:760px}
.tm-note a{color:var(--green-deep);border-bottom:1px solid rgba(18,135,64,.35)}

@media (max-width:1000px){.tm-leads{grid-template-columns:1fr 1fr}.tm-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:760px){.tm-leads{grid-template-columns:1fr}.tm-grid{grid-template-columns:1fr 1fr}}
@media (max-width:460px){.tm-grid{grid-template-columns:1fr}}

/* =========================================================
   About
   ========================================================= */
.about-intro{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:start}
.about-copy h2{margin-bottom:22px}
.about-copy p{font-size:18px;line-height:1.68;color:var(--ink);margin-bottom:22px}
.about-copy p:last-child{margin-bottom:0}

.timeline{border-top:1px solid #E4E4E0}
.tl-row{display:grid;grid-template-columns:150px 1fr;gap:28px;padding:20px 4px;border-bottom:1px solid #ECECE8;align-items:baseline}
.tl-year{font-family:var(--mono);font-size:15px;letter-spacing:.06em;color:var(--green-deep)}
.tl-what{font-size:16px;line-height:1.6;color:var(--grey)}
.tl-what b{color:var(--ink);font-weight:600}
.tl-row:hover{background:#FAFAF8}

@media (max-width:820px){
  .about-intro{grid-template-columns:1fr;gap:30px}
  .tl-row{grid-template-columns:1fr;gap:8px;padding:16px 4px}
}
.tm-lic{font-family:var(--mono);font-size:12.5px;letter-spacing:.04em;color:var(--mute-2);margin-top:10px;line-height:1.6}
.tm-links{display:flex;flex-direction:column;gap:6px;margin-top:12px}
.tm-links .tm-mail{margin-top:0}
.section-white .tm-lic{color:var(--grey-2)}

/* =========================================================
   Reviews
   ========================================================= */
.rv-scores{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.rv-score{background:var(--card);padding:30px 28px;display:flex;flex-direction:column;transition:background .18s}
a.rv-score:hover{background:#181818}
.rv-src{font-family:var(--mono);font-size:12.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--mute-2)}
.rv-score b{font-size:52px;font-weight:800;letter-spacing:-.04em;line-height:1;color:#fff;margin:16px 0 12px}
.rv-stars{color:var(--green);font-size:15px;letter-spacing:3px}
.rv-count{font-family:var(--mono);font-size:13.5px;color:var(--mute-2);margin-top:12px}
.rv-score .link-arrow{margin-top:auto;padding-top:20px;align-self:flex-start}
.rv-ask p{font-size:14.5px;line-height:1.6;color:var(--mute);margin:16px 0 20px}
.rv-ask .btn{align-self:flex-start;margin-top:auto}

.rv-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#E4E4E0;border:1px solid #E4E4E0;border-radius:12px;overflow:hidden}
.rv-card{background:#fff;padding:26px 24px;display:flex;flex-direction:column}
.rv-card .rv-stars{color:var(--green-deep);font-size:15px}
.rv-card blockquote{margin:16px 0 0;font-size:17px;line-height:1.5;letter-spacing:-.015em;color:var(--ink);font-weight:600}
.rv-who{margin-top:18px;font-size:15.5px;color:var(--ink)}
.rv-who span{display:block;font-family:var(--mono);font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--grey-2);margin-top:6px}
.rv-officer{margin-top:14px;padding-top:14px;border-top:1px solid #ECECE8;font-family:var(--mono);font-size:12.5px;color:var(--green-deep)}
.rv-note{margin-top:26px;font-family:var(--mono);font-size:12.5px;line-height:1.9;color:var(--grey-2);max-width:860px}

@media (max-width:1000px){.rv-scores{grid-template-columns:1fr}.rv-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.rv-grid{grid-template-columns:1fr}}

/* footer social */
.f-social{display:flex;gap:10px;margin-top:18px}
.f-social a{
  width:36px;height:36px;border-radius:50%;border:1px solid var(--line);
  display:flex;align-items:center;justify-content:center;color:var(--mute);
  transition:border-color .18s,color .18s,background .18s;
}
.f-social a:hover{background:#fff;border-color:#fff;color:var(--black)}

/* =========================================================
   Contact — details left, message form right
   ========================================================= */
.contact-row{display:grid;grid-template-columns:.88fr 1.12fr;gap:64px;align-items:start}
.contact-row .form-card{position:sticky;top:96px}
.contact-row .feature:first-of-type{border-top:none}
@media (max-width:1000px){
  .contact-row{grid-template-columns:1fr;gap:40px}
  .contact-row .form-card{position:static}
}

/* =========================================================
   Loan-programme menu + programme pages
   ========================================================= */
.nav-menu-wide{min-width:250px;padding:10px}
.nav-menu-wide a.sub{padding-left:30px;font-size:14px;color:var(--mute-2);position:relative}
.nav-menu-wide a.sub::before{content:"";position:absolute;left:16px;top:50%;width:7px;height:1px;background:var(--line)}
.nav-menu-wide a.sub:hover{color:#fff}
.nav-menu-wide a.on{color:var(--green)}

.pg-main{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:start}
.pg-copy p{font-size:16.5px;line-height:1.72;color:var(--grey);margin-bottom:20px;max-width:var(--measure)}
.pg-copy p:first-child{font-size:18px;color:var(--ink)}
.pg-specs{margin:0;border:1px solid #E4E4E0;border-radius:12px;overflow:hidden;background:#fff}
.pg-specs > div{display:flex;justify-content:space-between;gap:20px;padding:15px 20px;border-bottom:1px solid #ECECE8}
.pg-specs > div:last-child{border-bottom:none}
.pg-specs dt{font-size:15.5px;color:var(--grey);margin:0}
.pg-specs dd{margin:0;font-family:var(--mono);font-size:14.5px;color:var(--ink);text-align:right}

.prog-kids{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:6px}
.prog-kid{border:1px solid #E4E4E0;border-radius:12px;padding:20px;background:#fff;transition:border-color .18s,transform .18s}
.prog-kid:hover{border-color:#B8B8B2;transform:translateY(-2px)}
.prog-kid b{display:block;font-size:16px;font-weight:800;letter-spacing:-.02em;color:var(--ink);margin-bottom:8px}
.prog-kid span{font-size:15.5px;line-height:1.55;color:var(--grey)}

.pg-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.pg-step{background:var(--card);padding:26px 24px}
.pg-step .n{font-family:var(--mono);font-size:13px;letter-spacing:.16em;color:var(--green)}
.pg-step h4{font-size:18px;margin:14px 0 10px;color:#fff}
.pg-step p{font-size:14.5px;line-height:1.6;color:var(--mute)}

@media (max-width:900px){
  .pg-main{grid-template-columns:1fr;gap:36px}
  .pg-steps{grid-template-columns:1fr}
  .prog-kids{grid-template-columns:1fr}
}


/* =========================================================
   Menu groups — flat on desktop, accordion on mobile
   ========================================================= */
.nav-parent-link{display:none}                       /* desktop reaches the hub via the nav label */
.nav-group-head{display:flex;align-items:center;justify-content:space-between;gap:8px}
.nav-group-head .caret{display:none}                 /* nothing to expand on desktop */

@media (max-width:760px){
  /* first tap opens the panel, nothing is expanded up front */
  .has-menu .nav-menu{display:none}
  .has-menu.open .nav-menu{display:flex}
  .has-menu > a .caret{transition:transform .18s}
  .has-menu.open > a .caret{transform:rotate(180deg)}

  .nav-parent-link{display:block;font-weight:600;color:#fff}
  .nav-menu a{padding:11px 0}

  /* second level stays closed until its own row is tapped */
  .nav-group{display:flex;flex-direction:column}
  .nav-group-head{padding:11px 0;font-weight:600;color:var(--mute)}
  .nav-group.open .nav-group-head{color:#fff}
  .nav-group-head .caret{display:block;opacity:.7;transition:transform .18s}
  .nav-group.open .nav-group-head .caret{transform:rotate(180deg)}
  .nav-group-items{display:none;padding-left:14px;border-left:1px solid var(--line);margin:2px 0 8px}
  .nav-group.open .nav-group-items{display:flex;flex-direction:column}
  .nav-menu-wide a.sub{padding-left:12px}
  .nav-menu-wide a.sub::before{display:none}
}


/* data columns keep aligned figures now that the label face is proportional */
.rate-row,.rr-rate,.qt-table,.engine,.dtable,.pg-specs,.estimate-out,.tm-lic,
.rl-card,.ticket,.sum-strip,.chart-stats,.hotline,.tl-year,.branch-tel,.rv-score{
  font-variant-numeric:tabular-nums;
  font-feature-settings:"tnum" 1;
}


/* about banner: the building — the sign owns the left, so the type goes right */
.about-hero{
  position:relative;overflow:hidden;
  min-height:min(54vw,560px);
  display:flex;align-items:center;
  padding:210px 0 90px;
}
.about-hero .contact-hero-bg{
  background-image:
    linear-gradient(260deg,rgba(10,10,10,.88) 0%,rgba(10,10,10,.7) 24%,rgba(10,10,10,.3) 46%,rgba(10,10,10,.04) 72%,rgba(10,10,10,0) 100%),
    /* a touch of shade under the floating nav so the logo always reads */
    linear-gradient(to bottom,rgba(10,10,10,.78) 0%,rgba(10,10,10,.56) 10%,rgba(10,10,10,.1) 24%,rgba(10,10,10,0) 38%),
    linear-gradient(rgba(10,10,10,.16),rgba(10,10,10,.16)),
    url("about-bell.jpg");
  background-size:cover,cover,cover,cover;
  background-position:center 55%;
}
.about-hero .wrap{width:100%;display:flex;justify-content:flex-end}
.about-hero h1{max-width:15ch;text-align:right}
@media (max-width:900px){
  .about-hero{min-height:0;display:block;padding:150px 0 76px}
  .about-hero .contact-hero-bg{
    background-image:linear-gradient(to bottom,rgba(10,10,10,.5) 0%,rgba(10,10,10,.78) 52%,rgba(10,10,10,.94) 100%),url("about-bell-small.jpg");
    background-position:center 48%;
  }
  .about-hero .wrap{display:block}
  .about-hero h1{max-width:none;text-align:left}
}

/* contact banner: title only */
.contact-hero-simple h1{max-width:none}

/* about: office photo beside the copy */
.about-photo{margin:0;position:sticky;top:100px}
.about-photo img{width:100%;height:auto;display:block;border-radius:14px;border:1px solid #E4E4E0}
.about-photo figcaption{
  margin-top:12px;font-family:var(--mono);font-size:12.5px;letter-spacing:.14em;
  text-transform:uppercase;color:var(--grey-2);
}
@media (max-width:820px){.about-photo{position:static;margin-bottom:4px}}

/* =========================================================
   Language switcher
   ========================================================= */
.nav-lang > a{display:inline-flex;align-items:center;gap:7px}
.nav-lang > a span{font-size:14px;font-weight:600}
.nav-menu-lang{min-width:170px}
.nav-menu-lang a{font-size:15px}
@media (max-width:760px){
  .nav-lang{border-top:1px solid var(--line);margin-top:8px;padding-top:8px}
}

/* a translated page says so, rather than letting the visitor find out later */
.lang-notice{background:#141414;border-bottom:1px solid var(--line);padding:14px 0;font-size:14px;color:var(--mute)}
.lang-notice a{color:var(--green);border-bottom:1px solid rgba(34,197,94,.35);margin-left:6px}
.lang-notice a:hover{border-bottom-color:var(--green)}

/* national benchmark line — context, clearly not our quote */
.rate-note[data-benchmark]{color:var(--mute);border-left:2px solid var(--line);padding-left:12px}
.rate-note[data-benchmark] b{color:#fff;font-weight:600}
.rl-benchmark{
  margin:0 0 18px;font-size:13px;line-height:1.7;color:var(--grey-2);
  border-left:2px solid #DCDCD8;padding-left:12px;max-width:760px;
}
.rl-benchmark b{color:var(--ink);font-weight:600}

/* a sheet that has not been refreshed says so */
.rate-stale{color:var(--rust)!important}
.theme-mono .rate-stale{color:#B4531F!important}