/* ============================================================
   LJ Financial — shared stylesheet
   Rebrand per "LJ Website PDF" developer summary:
   Brand Orange #F58220 / Dark Orange #D96A00 / Warm Stone #F5F1EB
   ============================================================ */

@font-face{
  font-family:'Sofia';
  src:url(../assets/sofiapro-light.otf) format('opentype');
  font-weight:400;font-style:normal;font-display:swap;
}

:root{
  --bg:#ffffff;
  --surface:#F5F1EB;
  --surface-light:#FAF8F5;
  --fg:#222222;
  --fg-deep:#1a1a1a;
  --ink:#222222;
  --muted:#555555;
  --border:#EAEAEA;
  --brand:#F58220;
  --brand-dark:#D96A00;
  --accent:#F58220;
  --accent-dark:#D96A00;
  --tint:rgba(245,130,32,.12);
  --font:'Sofia','Poppins',sans-serif;
  --font-display:'Poppins','Sofia',sans-serif;
  --max-w:1170px;
  --shadow-sm:0 1px 3px rgba(34,34,34,.06);
  --shadow-md:0 10px 30px rgba(34,34,34,.09);
  --shadow-lg:0 24px 60px rgba(34,34,34,.13);
  --radius:8px;
}

*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;text-size-adjust:100%}
html,body{margin:0;padding:0}
body{
  font-family:var(--font);
  font-size:17px;line-height:1.65;
  color:var(--muted);background:var(--bg);
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
ul,ol{margin:0;padding:0;list-style:none}
h1,h2,h3,h4,h5,p{margin:0}
a{color:var(--fg);text-decoration:none;transition:color .22s ease}
a:hover{color:var(--accent)}
::selection{background:var(--accent);color:#fff}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:2px}

.container{width:100%;max-width:var(--max-w);margin:0 auto;padding:0 24px}
.text-center{text-align:center}

h1,h2,h3,h4{
  font-family:var(--font-display);
  color:var(--brand);
  letter-spacing:-.015em;
  line-height:1.18;
  font-weight:600;
}

/* ---------- kickers / section titles ---------- */
.kicker{
  display:inline-block;
  font-family:var(--font-display);
  font-size:13px;font-weight:600;
  letter-spacing:.14em;text-transform:uppercase;
  color:var(--accent);
  margin-bottom:14px;
}
.kicker.on-dark{color:#fff}
.sec-title{max-width:760px;margin:0 auto 52px}
.sec-title h2{font-size:34px;margin-bottom:14px}
.sec-title p{font-size:17px;max-width:640px;margin:0 auto}
.sec-pad{padding:96px 0}
.sec-light{background:var(--surface)}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  font-family:var(--font-display);
  font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;
  padding:16px 34px;border-radius:var(--radius);
  border:1.5px solid transparent;cursor:pointer;
  transition:background .22s,color .22s,border-color .22s,transform .18s,box-shadow .22s;
  line-height:1.4;white-space:nowrap;
}
.btn:active{transform:translateY(1px)}
.btn i{font-size:12px}
.btn-coral{background:var(--accent);color:#fff;box-shadow:0 8px 20px rgba(245,130,32,.30)}
.btn-coral:hover{background:var(--accent-dark);color:#fff;transform:translateY(-1px);box-shadow:0 12px 26px rgba(245,130,32,.36)}
/* heroes sit on orange gradient — primary CTA becomes white / orange text */
.hero .btn-coral,.page-hero .btn-coral{background:#fff;color:var(--brand);box-shadow:0 8px 20px rgba(0,0,0,.16)}
.hero .btn-coral:hover,.page-hero .btn-coral:hover{background:#fff;color:var(--brand-dark);box-shadow:0 12px 26px rgba(0,0,0,.20)}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff;background:rgba(255,255,255,.06)}
.btn-ghost:hover{background:#fff;color:var(--fg);border-color:#fff}
.btn-outline{border-color:var(--brand);color:var(--brand)}
.btn-outline:hover{background:var(--brand);color:#fff}
.link-arrow{
  font-family:var(--font-display);font-size:14px;font-weight:600;
  color:var(--accent);display:inline-flex;align-items:center;gap:8px;
}
.link-arrow i{transition:transform .22s}
.link-arrow:hover i{transform:translateX(4px)}

/* ---------- header ---------- */
.skip-link{
  position:fixed;top:-100%;left:16px;z-index:9999;
  padding:10px 20px;background:var(--accent);color:#fff;font-size:13px;
  border-radius:0 0 4px 4px;transition:top .2s;
}
.skip-link:focus{top:0;outline:none}

.topbar{background:var(--brand);color:#fff;font-size:13.5px}
.topbar .container{display:flex;justify-content:space-between;align-items:center;min-height:40px;padding-top:6px;padding-bottom:6px}
.topbar ul{display:flex;gap:26px;align-items:center;flex-wrap:wrap}
.topbar li{display:inline-flex;align-items:center;gap:8px}
.topbar i{color:#fff;font-size:12px}
.topbar a{color:#fff}
.topbar a:hover{color:rgba(255,255,255,.78)}
.topbar .socials{display:flex;gap:4px}
.topbar .socials a{width:26px;height:26px;display:inline-flex;align-items:center;justify-content:center;border-radius:3px}
.topbar .socials a:hover{background:rgba(255,255,255,.12)}
.topbar .socials i{color:#fff;font-size:13px}

.site-header{
  position:sticky;top:0;z-index:900;
  background:var(--bg);
  border-bottom:1px solid var(--border);
  transition:box-shadow .25s;
}
.site-header.scrolled{box-shadow:0 6px 24px rgba(34,34,34,.10)}
.navbar .container{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:84px}
.brand{display:flex;align-items:center;flex-shrink:0}
.brand img{height:44px;width:auto}

.main-nav>ul{display:flex;align-items:center;gap:2px}
.main-nav>ul>li{position:relative;flex-shrink:0}
.main-nav>ul>li>a{
  display:inline-flex;align-items:center;gap:6px;
  font-family:var(--font-display);
  font-size:12.5px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;
  color:var(--ink);padding:12px 10px;border-radius:3px;white-space:nowrap;
}
.main-nav>ul>li>a:hover,.main-nav>ul>li.current>a{color:var(--accent)}
.main-nav>ul>li>a .fa-angle-down{font-size:10px;transition:transform .22s}
.main-nav li.has-sub:hover>a .fa-angle-down,.main-nav li.has-sub:focus-within>a .fa-angle-down{transform:rotate(180deg)}
/* invisible hover-bridge so the pointer never leaves the menu item
   while travelling down into the dropdown */
.main-nav li.has-sub::after{
  content:"";position:absolute;top:100%;left:0;right:0;height:12px;display:none;
}
.main-nav li.has-sub:hover::after,.main-nav li.has-sub:focus-within::after{display:block}
.sub-menu{
  position:absolute;top:calc(100% + 10px);left:0;transform:translateY(8px);min-width:236px;
  background:#fff;border:1px solid var(--border);border-top:2px solid var(--accent);
  box-shadow:0 18px 44px rgba(34,34,34,.14);border-radius:0 0 6px 6px;
  padding:9px 0;opacity:0;visibility:hidden;z-index:60;
  transition:opacity .16s ease .12s,transform .16s ease .12s,visibility 0s linear .3s;
}
.main-nav li.has-sub:hover>.sub-menu,.main-nav li.has-sub:focus-within>.sub-menu{
  opacity:1;visibility:visible;transform:translateY(0);
  transition-delay:0s,0s,0s;
}
.sub-menu a{
  display:flex;align-items:center;justify-content:space-between;
  padding:10px 20px;font-size:14.5px;color:var(--muted);
  transition:background .15s,color .15s;
}
.sub-menu a:hover{color:var(--accent);background:var(--surface)}
.header-cta{flex-shrink:0}
.header-cta .btn{padding:13px 22px;font-size:12px}

.nav-toggle{
  display:none;background:none;border:1.5px solid var(--ink);border-radius:4px;
  width:46px;height:46px;cursor:pointer;padding:0;
  flex-direction:column;align-items:center;justify-content:center;gap:5px;
}
.nav-toggle span{display:block;width:20px;height:2px;background:var(--ink);transition:transform .3s,opacity .3s}
.nav-toggle[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] span:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* mobile drawer */
.drawer{
  position:fixed;top:0;right:-340px;width:min(340px,88vw);height:100dvh;
  background:#fff;z-index:1000;box-shadow:-12px 0 40px rgba(34,34,34,.16);
  transition:right .35s ease;display:flex;flex-direction:column;
}
.drawer.open{right:0}
.drawer-head{display:flex;align-items:center;justify-content:space-between;padding:18px 22px;border-bottom:1px solid var(--border)}
.drawer-head img{height:36px}
.drawer-close{background:none;border:none;font-size:20px;color:var(--ink);cursor:pointer;padding:10px}
.drawer nav{flex:1;overflow-y:auto;padding:12px 22px}
.drawer nav>ul>li{border-bottom:1px solid var(--border)}
.drawer nav>ul>li>a,.drawer details summary{
  display:flex;align-items:center;justify-content:space-between;
  padding:15px 0;font-family:var(--font-display);
  font-size:14px;font-weight:600;letter-spacing:.05em;text-transform:uppercase;
  color:var(--ink);cursor:pointer;list-style:none;
}
.drawer details summary::-webkit-details-marker{display:none}
.drawer details summary i{transition:transform .25s;font-size:11px}
.drawer details[open] summary i{transform:rotate(180deg)}
.drawer details ul{padding:0 0 12px 14px}
.drawer details ul a{display:block;padding:8px 0;font-size:15px;color:var(--muted);text-transform:none;letter-spacing:0;font-weight:400}
.drawer details ul a:hover{color:var(--accent)}
.drawer nav a:hover{color:var(--accent)}
.drawer-foot{border-top:1px solid var(--border);padding:18px 22px;font-size:14.5px}
.drawer-foot p{display:flex;gap:10px;align-items:center;margin-bottom:10px}
.drawer-foot i{color:var(--accent);width:16px;text-align:center}
.drawer-foot a{color:var(--ink);font-weight:600}
.drawer .btn{width:100%;margin-top:6px}
.backdrop{
  position:fixed;inset:0;background:rgba(34,34,34,.45);z-index:999;
  opacity:0;visibility:hidden;transition:opacity .3s,visibility .3s;
  backdrop-filter:blur(2px);
}
.backdrop.show{opacity:1;visibility:visible}

/* ---------- heroes ---------- */
.hero{
  position:relative;
  background:var(--brand-dark) url(../images/home-page-cover.jpg) center/cover no-repeat;
  color:#fff;overflow:hidden;
}
.hero::before{
  content:"";position:absolute;inset:0;
  background:linear-gradient(100deg,rgba(217,106,0,.90) 0%,rgba(245,130,32,.72) 38%,rgba(245,130,32,.30) 62%,rgba(245,130,32,0) 82%);
}
.hero .container{position:relative;z-index:2;padding-top:120px;padding-bottom:96px;max-width:var(--max-w)}
.hero-inner{max-width:900px}
.hero h1{
  color:#fff;font-size:56px;line-height:1.08;letter-spacing:-.022em;
  margin-bottom:20px;max-width:680px;
}
.hero .lede{font-size:18px;line-height:1.65;color:rgba(255,255,255,.86);max-width:520px;margin-bottom:34px}
.hero .lede a{color:#fff;font-weight:600;text-decoration:underline;text-underline-offset:3px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hero-trust{
  display:grid;grid-template-columns:repeat(3,max-content);gap:0;
  margin-top:52px;
  border-top:1px solid rgba(255,255,255,.22);padding-top:26px;
}
.hero-trust li{
  display:flex;flex-direction:column;gap:4px;
  padding:0 36px 0 34px;border-left:1px solid rgba(255,255,255,.22);
}
.hero-trust li:first-child{padding-left:0;border-left:none}
.hero-trust strong{
  font-family:var(--font-display);font-size:22px;font-weight:600;color:#fff;letter-spacing:-.01em;
}
.hero-trust span{font-size:13.5px;color:rgba(255,255,255,.72);max-width:230px}
.hero-trust .stars-inline{color:#FFE3B8;font-size:15px;letter-spacing:2px}

/* inner page hero — burgundy band */
.page-hero{
  position:relative;
  background:linear-gradient(135deg,var(--brand-dark) 0%,var(--brand) 78%);
  color:#fff;overflow:hidden;
}
.page-hero::after{
  content:"";position:absolute;right:-70px;bottom:-90px;width:340px;height:340px;
  background:url(../assets/emblem-white.svg) center/contain no-repeat;
  opacity:.07;pointer-events:none;
}
.page-hero .container{position:relative;z-index:2;padding-top:74px;padding-bottom:70px}
.breadcrumb{display:flex;gap:10px;font-size:13.5px;color:rgba(255,255,255,.62);margin-bottom:18px;flex-wrap:wrap}
.breadcrumb a{color:rgba(255,255,255,.82)}
.breadcrumb a:hover{color:#fff}
.breadcrumb li+li::before{content:"›";margin-right:10px;color:rgba(255,255,255,.4)}
.page-hero h1{color:#fff;font-size:42px;letter-spacing:-.02em;margin-bottom:16px;max-width:720px}
.page-hero .lede{color:rgba(255,255,255,.85);font-size:17px;max-width:600px;margin-bottom:28px}
.page-hero .lede a{color:#fff;font-weight:600;text-decoration:underline;text-underline-offset:3px}

/* ---------- feature rows (who we are) ---------- */
.split{display:grid;grid-template-columns:1fr 1.15fr;gap:72px;align-items:start}
.split-sticky{position:sticky;top:120px}
.split-sticky h2{font-size:34px;margin-bottom:16px}
.split-sticky p{margin-bottom:14px;max-width:460px}
.split-sticky .btn,.split-sticky .link-arrow{margin-top:14px}
.feature-rows{display:flex;flex-direction:column;gap:18px}
.feature-row{
  display:flex;gap:22px;align-items:flex-start;
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:26px 28px;transition:box-shadow .25s,transform .25s;
}
.feature-row:hover{box-shadow:var(--shadow-md);transform:translateY(-2px)}
.icon-medal{
  width:54px;height:54px;flex-shrink:0;border-radius:var(--radius);
  background:var(--tint);color:var(--accent);
  display:flex;align-items:center;justify-content:center;font-size:21px;
}
.feature-row h3{font-size:19px;margin-bottom:6px}
.feature-row p{font-size:15px;line-height:1.6}

/* stats band */
.stats-band{
  display:grid;grid-template-columns:repeat(3,1fr);
  border:none;border-radius:var(--radius);
  margin-top:64px;overflow:hidden;background:var(--brand);
}
.stats-band li{
  padding:30px 26px;text-align:center;
  border-left:1px solid rgba(255,255,255,.28);
}
.stats-band li:first-child{border-left:none}
.stats-band strong{
  display:block;font-family:var(--font-display);
  font-size:34px;font-weight:600;color:#fff;letter-spacing:-.02em;line-height:1.1;
}
.stats-band strong em{font-style:normal;color:#FFE3B8}
.stats-band span{font-size:14px;color:rgba(255,255,255,.88)}

/* ---------- lenders marquee ---------- */
.marquee{
  overflow:hidden;position:relative;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);
}
.marquee-track{
  display:flex;width:max-content;
  animation:marquee 46s linear infinite;
  padding:10px 0;align-items:center;
}
.marquee:hover .marquee-track{animation-play-state:paused}
.marquee-track img{height:34px;width:auto;margin-right:64px;opacity:.55;transition:opacity .25s;filter:saturate(.85)}
.marquee-track img:hover{opacity:1;filter:none}
@keyframes marquee{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* ---------- service cards ---------- */
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.card-grid.two{grid-template-columns:repeat(2,1fr)}
.service-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  overflow:hidden;display:flex;flex-direction:column;box-shadow:var(--shadow-sm);
  transition:box-shadow .28s,transform .28s;
}
.service-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.service-card .thumb{position:relative;height:190px;overflow:hidden}
.service-card .thumb img{width:100%;height:100%;object-fit:cover;transition:transform .5s ease}
.service-card:hover .thumb img{transform:scale(1.06)}
.service-card .body{padding:24px 24px 26px;display:flex;flex-direction:column;flex:1}
.service-card h3{font-size:19px;margin-bottom:8px}
.service-card p{font-size:14.5px;line-height:1.6;margin-bottom:18px;flex:1}
.service-card .link-arrow{align-self:flex-start}

/* icon product cards */
.product-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:30px 28px;display:flex;flex-direction:column;
  transition:box-shadow .28s,transform .28s,border-color .28s;
}
.product-card:hover{box-shadow:var(--shadow-md);transform:translateY(-3px);border-color:var(--brand)}
.product-card .icon-medal{margin-bottom:18px}
.product-card h3{font-size:18px;margin-bottom:8px}
.product-card p{font-size:14.5px;line-height:1.6;flex:1;margin-bottom:16px}

/* ---------- CTA bands ---------- */
.cta-band{
  position:relative;color:var(--muted);text-align:center;overflow:hidden;
  background:var(--surface);
}
.cta-band .container{position:relative;z-index:2;padding-top:88px;padding-bottom:88px}
.cta-band h2{color:var(--brand);font-size:34px;letter-spacing:-.018em;max-width:640px;margin:0 auto 16px}
.cta-band p{color:var(--muted);font-size:17px;margin-bottom:32px}
.cta-band p a{color:var(--brand);font-weight:600}
.cta-band .kicker.on-dark{color:var(--brand)}
.cta-band .hero-actions{justify-content:center}
.cta-band .btn-ghost{border-color:var(--brand);color:var(--brand);background:transparent}
.cta-band .btn-ghost:hover{background:var(--brand);border-color:var(--brand);color:#fff}

/* ---------- testimonials ---------- */
.quote-slider{position:relative}
.quote-viewport{
  overflow:hidden;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 16%,#000 84%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 16%,#000 84%,transparent);
}
.quote-track{display:flex;align-items:stretch;transition:transform .6s cubic-bezier(.22,.8,.3,1)}
.quote-slide{
  flex:0 0 62%;padding:0 13px;
  opacity:.38;transform:scale(.92);filter:blur(1.5px);
  transition:opacity .5s ease,transform .5s ease,filter .5s ease;
  pointer-events:none;
}
.quote-slide.active{opacity:1;transform:scale(1);filter:none;pointer-events:auto}
.quote-card{
  height:100%;
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:44px 52px;text-align:center;box-shadow:var(--shadow-sm);
  display:flex;flex-direction:column;justify-content:center;
}
.quote-mark{
  width:52px;height:52px;margin:0 auto 18px;border-radius:50%;
  background:var(--tint);color:var(--accent);
  display:flex;align-items:center;justify-content:center;font-size:19px;
}
.quote-card .stars{color:var(--accent);letter-spacing:4px;font-size:14px;margin-bottom:18px}
.quote-card blockquote{
  margin:0 0 24px;font-size:18px;line-height:1.7;color:var(--fg);
  font-family:var(--font);font-style:italic;
}
.quote-author{display:flex;align-items:center;justify-content:center;gap:12px}
.monogram{
  width:44px;height:44px;border-radius:50%;flex-shrink:0;
  background:var(--fg);color:#fff;
  display:flex;align-items:center;justify-content:center;
  font-family:var(--font-display);font-size:15px;font-weight:600;letter-spacing:.02em;
}
.quote-author strong{font-family:var(--font-display);font-size:15px;font-weight:600;color:var(--fg)}
.quote-author span{display:block;font-size:12.5px;color:var(--muted)}
.quote-nav{
  display:flex;align-items:center;justify-content:center;gap:18px;margin-top:30px;
}
.quote-btn{
  width:46px;height:46px;border-radius:50%;cursor:pointer;
  border:1.5px solid var(--border);background:#fff;color:var(--fg);font-size:14px;
  transition:all .22s;display:flex;align-items:center;justify-content:center;
}
.quote-btn:hover{background:var(--accent);border-color:var(--accent);color:#fff}
.quote-dots{display:flex;gap:8px}
.quote-dots button{
  width:8px;height:8px;border-radius:50%;border:none;padding:0;cursor:pointer;
  background:#DDD5CC;transition:all .25s;
}
.quote-dots button.active{background:var(--accent);width:24px;border-radius:5px}
.tp-line{display:flex;align-items:center;justify-content:center;gap:14px;margin-top:34px;flex-wrap:wrap}
.tp-line img{height:22px;width:auto}

/* ---------- stat callout (wills) ---------- */
.stat-callout{
  display:grid;grid-template-columns:auto 1fr;gap:48px;align-items:center;
  background:var(--surface);border:1px solid var(--border);border-radius:var(--radius);
  padding:52px 56px;
}
.stat-callout .big{
  font-family:var(--font-display);font-size:96px;font-weight:700;letter-spacing:-.04em;
  color:var(--accent);line-height:1;
}
.stat-callout h2{font-size:28px;margin-bottom:12px}
.stat-callout p{font-size:16px;max-width:560px}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;counter-reset:step}
.step{
  border-top:2px solid var(--accent);padding-top:22px;position:relative;
}
.step .num{
  font-family:var(--font-display);font-size:13px;font-weight:600;letter-spacing:.14em;
  color:var(--accent);text-transform:uppercase;display:block;margin-bottom:10px;
}
.step h3{font-size:19px;margin-bottom:8px}
.step p{font-size:14.5px;line-height:1.6}

/* ---------- about / values ---------- */
.lender-grid{
  display:grid;grid-template-columns:repeat(6,1fr);gap:1px;
  background:var(--border);border:1px solid var(--border);border-radius:var(--radius);overflow:hidden;
}
.lender-grid li{
  background:#fff;display:flex;align-items:center;justify-content:center;
  padding:26px 18px;min-height:96px;
}
.lender-grid img{max-height:34px;width:auto;opacity:.6;transition:opacity .25s;filter:saturate(.85)}
.lender-grid li:hover img{opacity:1;filter:none}

.prose p{margin-bottom:16px;font-size:16.5px;line-height:1.75}
.prose p:last-child{margin-bottom:0}
.prose h2{font-size:26px;margin:34px 0 12px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:19px;margin:26px 0 8px}
.prose ul,.prose ol{margin:0 0 16px;padding-left:22px}
.prose ul{list-style:disc}
.prose ol{list-style:decimal}
.prose li{font-size:16.5px;line-height:1.75;color:var(--muted);margin-bottom:6px}
.prose li::marker{color:var(--accent)}
.prose a{color:var(--brand);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.prose a:hover{color:var(--brand-dark)}
.prose strong{color:var(--fg)}
.prose-narrow{max-width:820px;margin:0 auto}
.prose table{width:100%;border-collapse:collapse;margin:0 0 20px;font-size:14.5px;table-layout:fixed}
.prose th,.prose td{border:1px solid var(--border);padding:10px 14px;text-align:left;vertical-align:top;word-break:break-word;overflow-wrap:anywhere}
.prose th{background:var(--surface);font-family:var(--font-display);font-size:13px;letter-spacing:.04em;color:var(--fg)}
.prose td{color:var(--muted)}

/* warning / compliance notice */
.notice{
  background:var(--surface);border:1px solid var(--border);border-top:2px solid var(--accent);
  border-radius:var(--radius);padding:22px 26px;margin:0 0 16px;
}
.notice p{margin-bottom:10px;font-size:15px;line-height:1.65}
.notice p:last-child{margin-bottom:0}
.notice strong{color:var(--fg)}

/* site map lists */
.smap-list li{margin-bottom:8px}
.smap-list a{font-size:15px;font-weight:600;color:var(--muted)}
.smap-list a:hover{color:var(--accent)}
.smap-list ul{margin:6px 0 4px;padding-left:16px}
.smap-list ul a{font-weight:400}

/* ---------- contact ---------- */
.contact-layout{display:grid;grid-template-columns:5fr 7fr;gap:56px;align-items:start}
.info-card{
  display:flex;gap:18px;align-items:flex-start;
  padding:24px 0;border-bottom:1px solid var(--border);
}
.info-card:first-child{padding-top:0}
.info-card:last-of-type{border-bottom:none}
.info-card .icon-medal{width:48px;height:48px;font-size:18px}
.info-card h3{font-size:16px;margin-bottom:4px}
.info-card p,.info-card a{font-size:15px;color:var(--muted)}
.info-card a{color:var(--fg);font-weight:600;display:block}
.info-card a:hover{color:var(--accent)}
.form-card{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:44px 42px;box-shadow:var(--shadow-sm);
}
.form-card h2{font-size:24px;margin-bottom:6px}
.form-card>.form-sub{font-size:15px;margin-bottom:28px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.form-group{margin-bottom:0}
.form-group.full{grid-column:1/-1}
.form-group label{
  display:block;font-family:var(--font-display);
  font-size:13px;font-weight:600;letter-spacing:.04em;color:var(--fg);margin-bottom:7px;
}
.form-group input,.form-group select,.form-group textarea{
  width:100%;padding:13px 15px;border:1px solid var(--border);border-radius:var(--radius);
  font-family:var(--font);font-size:15px;color:var(--fg);background:#fff;
  transition:border-color .22s,box-shadow .22s;
}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{
  border-color:var(--accent);outline:none;box-shadow:0 0 0 3px var(--tint);
}
.form-group textarea{resize:vertical;min-height:130px}
.form-note{font-size:12.5px;color:var(--muted);margin-top:16px}
.form-note a{color:var(--fg);text-decoration:underline}

.contact-copy h2{font-size:28px;margin-bottom:12px}
.contact-copy>p{font-size:16px;margin-bottom:20px;max-width:420px}

/* confirmation / empty-state card (thanks, 404) */
.thanks-card{
  max-width:640px;margin:0 auto;text-align:center;
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  padding:52px 48px;box-shadow:var(--shadow-sm);
}
.thanks-card .thanks-icon{width:64px;height:64px;font-size:26px;margin:0 auto 22px}
.thanks-card h2{font-size:26px;margin-bottom:12px}
.thanks-card p{font-size:16px;margin-bottom:28px}
.thanks-card p a{color:var(--fg);font-weight:600;text-decoration:underline;text-underline-offset:3px}
.thanks-card .hero-actions{justify-content:center}

/* zcal booking */
.booking-band{background:var(--surface)}
.booking-layout{display:grid;grid-template-columns:5fr 7fr;gap:56px;align-items:center}
.booking-copy h2{font-size:30px;margin-bottom:14px}
.booking-copy p{font-size:16px;margin-bottom:22px}
.tick-list li{display:flex;gap:12px;align-items:flex-start;margin-bottom:12px;font-size:15px;color:var(--muted)}
.tick-list i{color:var(--accent);margin-top:4px;font-size:14px}
.zcal-shell{
  background:#fff;border:1px solid var(--border);border-radius:var(--radius);
  box-shadow:var(--shadow-md);overflow:hidden;
}
.zcal-bar{
  display:flex;align-items:center;gap:8px;
  padding:12px 18px;border-bottom:1px solid var(--border);background:var(--surface);
}
.zcal-bar i{font-size:10px;color:#DDD5CC}
.zcal-bar span{font-family:var(--font-display);font-size:12.5px;font-weight:600;letter-spacing:.05em;color:var(--muted);margin-left:8px}
.zcal-body{
  min-height:420px;display:flex;flex-direction:column;align-items:center;justify-content:center;
  text-align:center;padding:44px 36px;gap:14px;
}
.zcal-body iframe{width:100%;min-height:560px;border:0;display:block}
.zcal-icon{
  width:64px;height:64px;border-radius:var(--radius);
  background:var(--tint);color:var(--accent);
  display:flex;align-items:center;justify-content:center;font-size:26px;
}
.zcal-body h3{font-size:19px}
.zcal-body p{font-size:14.5px;max-width:380px}
.zcal-body code{
  font-family:ui-monospace,SFMono-Regular,Menlo,monospace;
  font-size:12px;background:var(--surface);border:1px solid var(--border);
  padding:3px 8px;border-radius:3px;color:var(--fg);
}
/* live zcal inline widget */
.zcal-body.is-live{display:block;padding:0;min-height:0;text-align:left;overflow:hidden}
.zcal-inline-widget{width:100%}
/* crop zcal's fixed top padding inside the iframe so the card sits flush under the shell bar */
.zcal-body.is-live iframe{margin-top:-81px;min-height:0}

/* ---------- footer ---------- */
.main-footer{background:#222222;margin-top:0}
.footer-grid{
  display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:56px;
  padding:78px 0 50px;
}
.footer-brand img{height:50px;width:auto;margin-bottom:22px}
.footer-brand p{font-size:13.5px;line-height:1.7;color:#A3A3A3;margin-bottom:12px}
.footer-brand p a{color:#fff;text-decoration:underline}
.footer-brand p a:hover{color:var(--brand)}
.footer-col h3{
  font-family:var(--font-display);font-size:13px;font-weight:600;
  letter-spacing:.12em;text-transform:uppercase;color:var(--brand);
  margin-bottom:18px;padding-bottom:11px;border-bottom:1px solid rgba(255,255,255,.14);
}
.footer-col ul li{margin-bottom:9px}
.footer-col ul a{font-size:14.5px;font-weight:500;color:#E6E6E6}
.footer-col ul a:hover{color:var(--brand)}
.footer-contact li{display:flex;gap:12px;margin-bottom:12px;font-size:14px;color:#E6E6E6;align-items:flex-start}
.footer-contact i{color:var(--brand);margin-top:4px;font-size:13px;width:15px;text-align:center}
.footer-contact a{color:#fff;font-weight:600}
.footer-contact a:hover{color:var(--brand)}
.footer-cta{margin-top:16px;padding:13px 24px;font-size:12px}
.footer-social{display:flex;gap:8px;margin-top:20px}
.footer-social a{
  width:38px;height:38px;display:flex;align-items:center;justify-content:center;
  background:rgba(255,255,255,.10);color:#fff;font-size:15px;border-radius:var(--radius);transition:background .22s,transform .22s;
}
.footer-social a:hover{background:var(--brand);transform:translateY(-2px)}
.footer-legal{
  border-top:1px solid rgba(255,255,255,.14);padding:26px 0;
  font-size:12.5px;line-height:1.7;color:#8F8F8F;
}
.footer-legal p{margin-bottom:8px}
.footer-legal a{color:#fff;text-decoration:underline}
.footer-legal a:hover{color:var(--brand)}
.footer-legal strong{color:#CFCFCF}
.footer-bar{
  border-top:1px solid rgba(255,255,255,.14);
  padding:20px 0;display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap;
  font-size:13.5px;color:#A3A3A3;
}
.footer-bar a{color:#E6E6E6;font-weight:600}
.footer-bar a:hover{color:var(--brand)}
.footer-bar ul{display:flex;gap:22px}
.footer-bar ul a{font-weight:600}

/* ---------- cookie bar ---------- */
.cookie{
  position:fixed;bottom:22px;left:22px;z-index:950;
  background:#222222;color:#fff;border-radius:var(--radius);
  padding:16px 20px;max-width:420px;box-shadow:var(--shadow-lg);
  display:none;align-items:center;gap:16px;font-size:13.5px;line-height:1.5;
}
.cookie.show{display:flex}
.cookie a{color:var(--brand);text-decoration:underline}
.cookie button{
  background:var(--accent);color:#fff;border:none;border-radius:3px;
  font-family:var(--font-display);font-size:12px;font-weight:600;letter-spacing:.1em;
  padding:10px 18px;cursor:pointer;flex-shrink:0;transition:background .22s;
}
.cookie button:hover{background:var(--accent-dark)}

/* ---------- scroll top ---------- */
.scroll-top{
  position:fixed;bottom:24px;right:24px;width:46px;height:46px;z-index:940;
  background:#222222;color:#fff;border:none;border-radius:var(--radius);
  cursor:pointer;font-size:16px;display:flex;align-items:center;justify-content:center;
  opacity:0;visibility:hidden;transform:translateY(8px);
  transition:opacity .3s,visibility .3s,transform .3s,background .22s;
}
.scroll-top.visible{opacity:1;visibility:visible;transform:translateY(0)}
.scroll-top:hover{background:var(--accent)}

/* ---------- responsive ---------- */
@media(max-width:1150px){
  .main-nav,.header-cta{display:none}
  .nav-toggle{display:flex}
  .split{gap:44px}
  .navbar .container{min-height:72px}
  .brand img{height:38px}
}
@media(max-width:900px){
  .sec-pad{padding:72px 0}
  .split{grid-template-columns:1fr}
  .split-sticky{position:static}
  .card-grid{grid-template-columns:repeat(2,1fr)}
  .card-grid.two{grid-template-columns:1fr}
  .contact-layout,.booking-layout{grid-template-columns:1fr;gap:44px}
  .lender-grid{grid-template-columns:repeat(4,1fr)}
  .stat-callout{grid-template-columns:1fr;gap:22px;padding:40px 32px;text-align:center}
  .stat-callout .big{font-size:72px}
  .steps{grid-template-columns:1fr;gap:32px}
  .footer-grid{grid-template-columns:1fr 1fr;gap:36px;padding:56px 0 36px}
  .hero-trust{grid-template-columns:1fr 1fr;gap:20px 28px}
  .hero-trust li{padding:0;border-left:none}
}
.btn-block{width:100%}
.quote-card.left{padding:34px 30px;text-align:left}
.quote-card.left .stars{margin-bottom:14px}
.quote-card.left blockquote{font-size:15.5px;margin-bottom:20px}
.quote-card.left .quote-author{justify-content:flex-start}
.service-card.hub-card{background:var(--surface);border-style:dashed;justify-content:center}

@media(max-width:767px){
  .topbar{display:none}
  .hero .container{padding-top:84px;padding-bottom:72px}
  .hero h1{font-size:36px;letter-spacing:-.02em}
  .hero .lede{font-size:16px}
  .hero-trust{gap:16px 22px}
  .page-hero h1{font-size:30px}
  .quote-slide{flex:0 0 88%;padding:0 8px}
  .quote-viewport{
    -webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
    mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
  }
  .sec-title{margin-bottom:40px}
  .sec-title h2,.cta-band h2{font-size:27px}
  .card-grid{grid-template-columns:1fr}
  .stats-band{grid-template-columns:1fr}
  .stats-band li{border-left:none;border-top:1px solid rgba(255,255,255,.28)}
  .stats-band li:first-child{border-top:none}
  .quote-card{padding:34px 24px}
  .form-card{padding:30px 22px}
  .form-grid{grid-template-columns:1fr}
  .thanks-card{padding:34px 24px}
  .footer-grid{grid-template-columns:1fr;gap:32px}
  .footer-bar{flex-direction:column;text-align:center;justify-content:center}
  .cookie{left:12px;right:12px;bottom:12px;max-width:none}
  .zcal-body{padding:32px 20px}
  .zcal-body iframe{min-height:480px}
  .zcal-body.is-live iframe{margin-top:-32px}
  .marquee-track img{margin-right:40px;height:28px}
  /* iOS stops auto-zooming form fields at 16px */
  .form-group input,.form-group select,.form-group textarea{font-size:16px}
  .quote-card blockquote{font-size:16px}
  .lender-grid{grid-template-columns:repeat(3,1fr)}
  .breadcrumb{font-size:12.5px}
  .prose table{font-size:12.5px}
  .prose th,.prose td{padding:8px 9px}
}

/* small phones (360–430px) — the real mobile redesign layer */
@media(max-width:520px){
  .sec-pad{padding:60px 0}
  .container{padding:0 20px}
  /* CTAs become full-width thumb targets */
  .hero-actions{flex-direction:column;align-items:stretch;gap:12px}
  .hero-actions .btn{width:100%;justify-content:center}
  .hero-trust{margin-top:44px;padding-top:22px;gap:16px 20px}
  .hero-trust strong{font-size:20px}
  .page-hero .container{padding-top:60px;padding-bottom:56px}
  .cta-band .container{padding-top:68px;padding-bottom:68px}
  .btn{padding:16px 26px}
  .lender-grid{grid-template-columns:repeat(2,1fr)}
  .lender-grid li{min-height:84px;padding:20px 14px}
  .stat-callout{padding:30px 22px}
  .stat-callout .big{font-size:58px}
  .stats-band strong{font-size:28px}
  .feature-row{padding:22px 20px;gap:16px}
  .icon-medal{width:46px;height:46px;font-size:18px}
  .quote-card{padding:30px 20px}
  .quote-nav{gap:12px;margin-top:24px}
  .quote-btn{width:44px;height:44px}
  .step{padding-top:18px}
  .form-card{padding:26px 18px}
  .thanks-card{padding:28px 20px}
  .thanks-card h2{font-size:22px}
  .info-card{padding:20px 0}
  .zcal-body{min-height:360px;padding:28px 18px}
  .cookie{flex-direction:column;align-items:stretch;text-align:center;gap:12px}
  .cookie button{width:100%;padding:12px}
  .footer-social a{width:42px;height:42px}
  .scroll-top{bottom:16px;right:16px;width:44px;height:44px}
}
@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important;scroll-behavior:auto!important}
  .marquee-track{animation:none;flex-wrap:wrap;justify-content:center}
}