/* The Baez Lending Team · reset (V4) · One Aim Agency
   Light, white-led. Navy + blues from the official emblem, orange only for key actions.
   Type: Albert Sans, moderate weights (600 headlines), nothing oversized. */
:root {
  --navy: #0B2A5B;
  --navy-900: #071D40;
  --blue: #1F5FBF;
  --blue-ink: #174A96;
  --sky: #E8F0FA;
  --mist: #F4F7FB;
  --warm: #F8F4F5;          /* = Oscar's studio backdrop, so his portrait sits in the page */
  --orange: #E8711F;
  --orange-btn: #C4521A;
  --orange-btn-h: #A9440F;
  --gold: #D9A441;
  --ink: #0F1D33;
  --text: #3A4760;
  --muted: #5E6B82;
  --line: #DFE6EF;
  --font: "Bricolage Grotesque", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --gutter: clamp(16px, 4vw, 44px);
  --max: 1220px;
  --r: 14px;
  --head-h: 76px;
  --ease: cubic-bezier(.2, .7, .1, 1);
  color-scheme: light;
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: calc(var(--head-h) + 10px); }
body { margin: 0; background: #fff; color: var(--text); font: 400 17px/1.6 var(--font); -webkit-font-smoothing: antialiased; overflow-x: hidden; }
img { display: block; max-width: 100%; height: auto; }
a { color: inherit; }
h1, h2, h3, h4, p, ul, ol, figure, dl, dd { margin: 0; }
ul, ol { padding: 0; list-style: none; }
button, input, select, textarea { font: inherit; color: inherit; }
:focus-visible { outline: 3px solid var(--orange); outline-offset: 3px; border-radius: 4px; }
[hidden] { display: none !important; }
.sprite { position: absolute; width: 0; height: 0; overflow: hidden; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 12px; top: -60px; z-index: 100; background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 8px; text-decoration: none; }
.skip:focus { top: 12px; }
.wrap { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 var(--gutter); }
.ic { width: 18px; height: 18px; flex: none; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }

.kicker { display: flex; align-items: center; gap: 10px; font-size: 13px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--blue); margin-bottom: 12px; }
.kicker::before { content: ""; width: 18px; height: 2px; background: var(--orange); flex: none; }
.h2 { font-size: clamp(1.75rem, 2.5vw, 2.35rem); line-height: 1.15; font-weight: 600; letter-spacing: -.02em; color: var(--navy); text-wrap: balance; }
.sec-head { margin-bottom: clamp(28px, 3.5vw, 44px); max-width: 640px; }
.sec-head-split { max-width: none; display: grid; grid-template-columns: 1fr 1fr; gap: 16px 56px; align-items: end; }
.sec-intro { margin-top: 12px; color: var(--muted); font-size: 1.04rem; max-width: 56ch; }
.sec-head-split .sec-intro { margin-top: 0; }
.body-lg { font-size: 1.12rem; color: var(--ink); }
.fine { font-size: 12.5px; line-height: 1.6; color: var(--muted); }
.credit { position: absolute; right: 10px; bottom: 8px; font-size: 10.5px; color: rgba(255,255,255,.88); text-shadow: 0 1px 2px rgba(0,0,0,.55); pointer-events: none; }
.photo-credits { margin-top: 14px; font-size: 11px; color: var(--muted); }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 9px; min-height: 48px; padding: 0 22px; border-radius: 10px; font: 600 15.5px/1 var(--font); text-decoration: none; border: 1.5px solid transparent; cursor: pointer; white-space: nowrap; transition: background-color .2s var(--ease), color .2s var(--ease), border-color .2s var(--ease); }
.btn-lg { min-height: 54px; padding: 0 26px; font-size: 16.5px; }
.btn-sm { min-height: 42px; padding: 0 18px; font-size: 15px; }
.btn-block { width: 100%; }
.btn-accent { background: var(--orange-btn); color: #fff; }
.btn-accent:hover { background: var(--orange-btn-h); }
.btn-primary { background: var(--navy); color: #fff; }
.btn-primary:hover { background: var(--blue-ink); }
.btn-outline { background: #fff; border-color: #C9D4E3; color: var(--navy); }
.btn-outline:hover { border-color: var(--navy); }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }

/* header */
.site-head { position: sticky; top: 0; z-index: 50; background: #fff; border-bottom: 1px solid var(--line); }
.head-row { height: var(--head-h); display: flex; align-items: center; gap: 26px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; margin-right: auto; flex-shrink: 0; }
.brand-logo { width: 56px; height: auto; }
.brand-text { display: grid; line-height: 1.15; }
.brand-name { font-size: 19px; font-weight: 700; color: var(--navy); letter-spacing: -.01em; }
.brand-sub { font-size: 13px; font-weight: 500; color: var(--muted); }
.nav ul { display: flex; gap: 24px; }
.nav a { text-decoration: none; font-weight: 500; font-size: 15.5px; color: var(--ink); padding: 8px 0; white-space: nowrap; border-bottom: 2px solid transparent; }
.nav a:hover, .nav a[aria-current="true"] { border-bottom-color: var(--orange); }
.nav-extra { display: none; }
.head-actions { display: flex; align-items: center; gap: 16px; }
.lang-link { border: 0; background: none; padding: 8px 2px; cursor: pointer; font: 500 15px/1 var(--font); color: var(--navy); white-space: nowrap; text-decoration: underline; text-decoration-color: transparent; text-underline-offset: 5px; text-decoration-thickness: 2px; }
.lang-link:hover { text-decoration-color: var(--orange); }
.menu-btn { display: none; width: 44px; height: 44px; border: 1px solid var(--line); border-radius: 10px; background: #fff; cursor: pointer; position: relative; }
.menu-btn .bars, .menu-btn .bars::before, .menu-btn .bars::after { position: absolute; left: 50%; width: 18px; height: 2px; border-radius: 2px; background: var(--navy); transform: translateX(-50%); transition: transform .3s var(--ease); }
.menu-btn .bars { top: 50%; margin-top: -1px; }
.menu-btn .bars::before, .menu-btn .bars::after { content: ""; }
.menu-btn .bars::before { top: -6px; }
.menu-btn .bars::after { top: 6px; }
.menu-btn[aria-expanded="true"] .bars { background: transparent; }
.menu-btn[aria-expanded="true"] .bars::before { transform: translateX(-50%) translateY(6px) rotate(45deg); }
.menu-btn[aria-expanded="true"] .bars::after { transform: translateX(-50%) translateY(-6px) rotate(-45deg); }

/* A · hero */
.hero { background: var(--warm); overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 7fr 5fr; align-items: end; gap: 32px; min-height: min(640px, calc(100vh - var(--head-h) - 64px)); }
.hero-copy { align-self: center; padding: 56px 0 64px; }
.hero-title { font-size: clamp(2.5rem, 4.6vw, 3.9rem); line-height: 1.04; font-weight: 600; letter-spacing: -.03em; color: var(--navy); }
.hero-title .accent { color: var(--orange-btn); }
.hero-lead { margin-top: 18px; font-size: clamp(1.05rem, 1.3vw, 1.2rem); color: var(--text); max-width: 46ch; }
.hero-call { margin-top: 18px; font-size: 15px; color: var(--muted); }
.hero-call a { color: var(--navy); font-weight: 600; text-decoration: none; border-bottom: 1px solid #B9C6D8; }
.hero-oscar { position: relative; align-self: end; justify-self: center; width: 100%; max-width: 440px; }
.hero-oscar img { width: 100%; height: auto; max-height: calc(min(640px, 100vh - var(--head-h) - 64px) - 8px); object-fit: contain; object-position: bottom center;
  -webkit-mask-image: linear-gradient(to right, transparent 0, #000 9%, #000 91%, transparent 100%);
          mask-image: linear-gradient(to right, transparent 0, #000 9%, #000 91%, transparent 100%); }
.oscar-tag { position: absolute; left: -8px; bottom: 36px; display: grid; gap: 2px; background: #fff; padding: 12px 18px 12px 16px; border-left: 3px solid var(--orange); border-radius: 0 10px 10px 0; box-shadow: 0 10px 28px -14px rgba(11,42,91,.35); }
.oscar-tag b { font-size: 16px; font-weight: 700; color: var(--navy); }
.oscar-tag span { font-size: 13px; color: var(--muted); }

/* B · trust */
.trust { border-bottom: 1px solid var(--line); background: #fff; }
.trust-row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 10px 24px; padding: 20px 0; font-size: 15px; color: var(--text); }
.trust-row li { display: flex; align-items: center; gap: 8px; white-space: nowrap; }
.trust-row li + li::before { content: ""; width: 1px; height: 18px; background: var(--line); margin-right: 16px; }
.trust-row b { color: var(--navy); font-weight: 700; }
.trust-row .ic { color: var(--blue); }
.trust-row a { color: var(--blue); font-weight: 600; font-size: 14px; }

/* C · intent */
.intent { padding: clamp(64px, 7vw, 92px) 0; }
.intent-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.intent-item { display: flex; flex-direction: column; gap: 14px; text-decoration: none; height: 100%; }
.intent-photo { display: block; border-radius: 12px; overflow: hidden; aspect-ratio: 4 / 3; background: var(--mist); }
.intent-photo img { width: 100%; height: 100%; object-fit: cover; transition: transform .6s var(--ease); }
.intent-item:hover .intent-photo img { transform: scale(1.03); }
.intent-text { display: grid; gap: 6px; }
.intent-text b { font-size: 1.12rem; font-weight: 600; color: var(--navy); line-height: 1.3; }
.intent-text > span { font-size: 15px; color: var(--muted); }
.intent-text em { font-style: normal; display: inline-flex; align-items: center; gap: 6px; margin-top: 4px; font-size: 14.5px; font-weight: 600; color: var(--blue); }
.intent-text em svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: transform .2s var(--ease); }
.intent-item:hover em svg { transform: translateX(3px); }

/* D · signature: from payment to front door */
.calc { background: var(--mist); padding: clamp(64px, 7vw, 96px) 0; }
.calc-grid { display: grid; grid-template-columns: 5fr 7fr; gap: 20px; align-items: start; }
.calc-grid > * { min-width: 0; }
.calc-form { display: grid; gap: 20px; background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: clamp(20px, 2.6vw, 30px); }
.field { display: grid; gap: 7px; min-width: 0; align-content: start; border: 0; padding: 0; margin: 0; }
.field label, .field .label, .field legend { font-weight: 600; font-size: 14px; color: var(--ink); padding: 0; }
fieldset.field legend { margin-bottom: 7px; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; align-items: start; }
.money { display: flex; align-items: center; border: 1.5px solid var(--line); border-radius: 10px; background: #fff; transition: border-color .2s, box-shadow .2s; }
.money:focus-within { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(31,95,191,.13); }
.money > span { padding: 0 0 0 13px; color: var(--muted); font-weight: 500; }
.money.pct > span { padding: 0 13px 0 0; }
.money input { border: 0; outline: 0; background: transparent; width: 100%; min-width: 0; padding: 11px 13px 11px 6px; font-weight: 600; font-size: 1.06rem; color: var(--navy); font-variant-numeric: tabular-nums; }
.money.pct input { padding-left: 13px; }
.money.invalid { border-color: #B42318; }
.pair { display: grid; grid-template-columns: 1.6fr 1fr; gap: 10px; }
.hint { font-size: 12.5px; line-height: 1.45; color: var(--muted); margin-top: -8px; }
.field .hint { margin-top: 0; }
.range { -webkit-appearance: none; appearance: none; width: 100%; height: 26px; background: transparent; margin: 0; cursor: pointer; --fill: 20%; }
.range::-webkit-slider-runnable-track { height: 5px; border-radius: 5px; background: linear-gradient(to right, var(--blue) var(--fill), var(--line) var(--fill)); }
.range::-moz-range-track { height: 5px; border-radius: 5px; background: var(--line); }
.range::-moz-range-progress { height: 5px; border-radius: 5px; background: var(--blue); }
.range::-webkit-slider-thumb { -webkit-appearance: none; width: 24px; height: 24px; margin-top: -9.5px; border-radius: 50%; background: #fff; border: 2px solid var(--blue); box-shadow: 0 2px 6px rgba(11,42,91,.22); }
.range::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: #fff; border: 2px solid var(--blue); }
.seg { display: flex; border: 1.5px solid var(--line); border-radius: 10px; padding: 3px; gap: 3px; background: var(--mist); }
.seg label { flex: 1; position: relative; cursor: pointer; }
.seg input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.seg label > span { display: block; text-align: center; padding: 9px 4px; border-radius: 7px; font-weight: 600; font-size: 14px; color: var(--muted); white-space: nowrap; transition: background-color .2s, color .2s; }
.seg input:checked + span { background: var(--navy); color: #fff; }
.seg input:focus-visible + span { outline: 3px solid var(--orange); outline-offset: 1px; }
.more { border-top: 1px solid var(--line); padding-top: 14px; }
.more summary { cursor: pointer; font-weight: 600; color: var(--ink); list-style: none; display: flex; justify-content: space-between; align-items: center; padding: 4px 0; font-size: 15px; }
.more summary::-webkit-details-marker { display: none; }
.more summary::after { content: "+"; font-size: 22px; line-height: 1; color: var(--blue); }
.more[open] summary::after { content: "−"; }
.more .field-row { margin-top: 16px; }

.calc-out { background: #fff; border: 1px solid var(--line); border-radius: 16px; overflow: hidden; }
.front-door { position: relative; margin: 0; }
.fd-photos { position: relative; aspect-ratio: 16 / 9; background: var(--sky); overflow: hidden; }
.fd-photos img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; opacity: 0; transition: opacity .35s var(--ease); }
.fd-photos img.on { opacity: 1; }
.fd-photos img[data-tier="4"] { object-position: 50% 62%; }
.fd-label { position: absolute; left: 16px; top: 16px; display: grid; gap: 2px; background: #fff; border-radius: 10px; padding: 10px 14px; box-shadow: 0 8px 22px -12px rgba(11,42,91,.45); max-width: calc(100% - 32px); }
.fd-tier { font-weight: 700; color: var(--navy); font-size: 15px; }
.fd-note { font-size: 12px; color: var(--muted); }
.pay { padding: 22px clamp(18px, 2.4vw, 28px) 24px; }
.pay-top { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.total-label { font-size: 13px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--blue); }
.total-num { font-size: clamp(2.2rem, 3.4vw, 2.9rem); line-height: 1; font-weight: 700; letter-spacing: -.025em; color: var(--navy); font-variant-numeric: tabular-nums; }
.total-num small { font-size: 15px; font-weight: 500; color: var(--muted); margin-left: 3px; letter-spacing: 0; }
.pay-bar { display: flex; height: 12px; border-radius: 6px; overflow: hidden; margin-top: 16px; background: var(--mist); gap: 2px; }
.pay-bar span { display: block; height: 100%; width: 0; transition: width .5s var(--ease); }
.seg-pi, .dot-pi { background: var(--navy); } .seg-tax, .dot-tax { background: var(--blue); } .seg-ins, .dot-ins { background: #6FA0DC; } .seg-hoa, .dot-hoa { background: #B7CDEB; } .seg-mi, .dot-mi { background: var(--orange); }
.breakdown { display: grid; grid-template-columns: 1fr 1fr; column-gap: 28px; margin-top: 14px; }
.breakdown li { display: grid; grid-template-columns: 12px 1fr auto; gap: 10px; align-items: center; padding: 9px 0; border-bottom: 1px solid var(--line); font-size: 14.5px; }
.breakdown li.zero { color: #9AA6B8; }
.breakdown .dot { width: 10px; height: 10px; border-radius: 3px; }
.breakdown b { font-weight: 600; color: var(--ink); font-variant-numeric: tabular-nums; }
.breakdown li.zero b { color: #9AA6B8; }
.facts { display: grid; grid-template-columns: repeat(4, auto); justify-content: space-between; gap: 12px 18px; margin-top: 16px; }
.facts div { display: grid; gap: 2px; }
.facts dt { font-size: 12px; color: var(--muted); }
.facts dd { font-weight: 600; color: var(--ink); font-variant-numeric: tabular-nums; font-size: 15px; }
.warn { margin-top: 14px; padding: 10px 14px; border-radius: 10px; background: #FFF3EA; border-left: 3px solid var(--orange); font-size: 14px; color: var(--ink); }
.calc-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 20px; }
.calc-fine { margin-top: 18px; max-width: 110ch; }

/* E · loan options menu */
.loans { padding: clamp(64px, 7vw, 96px) 0; }
.review-note { margin: -12px 0 26px; padding: 12px 16px; border-left: 3px solid var(--orange); background: #FFF6EF; border-radius: 0 10px 10px 0; font-size: 14px; color: var(--ink); }
.intent-chip { display: flex; flex-wrap: wrap; align-items: center; gap: 8px; margin: -8px 0 24px; font-size: 15px; color: var(--muted); }
.intent-chip b { color: var(--navy); }
.intent-chip button { border: 0; background: none; color: var(--blue); font-weight: 600; text-decoration: underline; cursor: pointer; padding: 4px; }
.menu { display: grid; grid-template-columns: repeat(3, 1fr); gap: 40px 44px; }
.menu-col { border-top: 2px solid var(--navy); padding-top: 16px; transition: opacity .3s; }
.menu-fam { display: flex; align-items: center; gap: 10px; font-size: 1.05rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.menu-fam svg { width: 22px; height: 22px; fill: none; stroke: var(--blue); stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; flex: none; }
.menu-item { display: grid; grid-template-columns: 1fr auto; gap: 6px 18px; align-items: start; padding: 14px 0; border-bottom: 1px solid var(--line); transition: opacity .3s, background-color .3s; }
.menu-item:last-child { border-bottom: 0; }
.menu-item h4 { font-size: 1rem; font-weight: 600; color: var(--ink); }
.menu-item p { font-size: 14.5px; color: var(--muted); margin-top: 2px; }
.menu-ask { display: inline-flex; align-items: center; gap: 5px; font-size: 14px; font-weight: 600; color: var(--blue); text-decoration: none; white-space: nowrap; padding-top: 1px; }
.menu-ask svg { width: 15px; height: 15px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.menu-ask:hover { color: var(--navy); text-decoration: underline; }
.menu-help { border-top-color: var(--orange); background: var(--mist); border-radius: 0 0 12px 12px; padding: 16px 18px 20px; }
.menu-help p { font-size: 15px; color: var(--muted); margin: 4px 0 16px; }
.menu-item.dim, .menu-col.dim { opacity: .28; }
.menu-item.match { background: linear-gradient(90deg, rgba(232,240,250,.9), rgba(232,240,250,0)); }

/* F · the path home */
.path { background: var(--mist); padding: clamp(64px, 7vw, 92px) 0; }
.path-line { display: grid; grid-template-columns: repeat(5, 1fr); gap: 24px; position: relative; }
.path-line::before { content: ""; position: absolute; left: 22px; right: 10%; top: 21px; height: 2px; background: linear-gradient(90deg, var(--navy) 0 75%, var(--orange) 100%); }
.path-line li { position: relative; }
.node { position: relative; z-index: 1; width: 44px; height: 44px; border-radius: 50%; display: grid; place-items: center; background: #fff; border: 2px solid var(--navy); color: var(--navy); font-weight: 700; font-size: 16px; }
.node-door { background: var(--orange-btn); border-color: var(--orange-btn); color: #fff; }
.node-door svg { width: 22px; height: 22px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.path-line h3 { margin: 16px 0 6px; font-size: 1.1rem; font-weight: 600; color: var(--navy); }
.path-line p { font-size: 15px; color: var(--muted); }

/* G · meet Oscar */
.about { padding: clamp(64px, 7vw, 96px) 0; }
.about-grid { display: grid; grid-template-columns: 5fr 7fr; gap: clamp(32px, 5vw, 72px); align-items: center; }
.about-portrait { background: var(--warm); border-radius: 18px; overflow: hidden; }
.about-portrait img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: 50% 12%; }
.about-copy .h2 { margin-bottom: 18px; }
.about-copy > p + p { margin-top: 14px; }
.brand-seal { display: flex; align-items: center; gap: 24px; margin-top: 30px; padding: 22px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.brand-seal img { width: 150px; height: auto; flex: none; }
.promise li { font-size: 1.3rem; font-weight: 600; color: var(--navy); line-height: 1.35; letter-spacing: -.01em; }
.promise li:last-child { color: var(--orange-btn); }
.seal-line { margin-top: 10px; font-size: 14px; color: var(--muted); }

/* H · start */
.start { background: var(--mist); padding: clamp(64px, 7vw, 96px) 0; }
.start-grid { display: grid; grid-template-columns: 5fr 7fr; gap: clamp(28px, 4.5vw, 64px); align-items: center; }
.start-photo { position: relative; border-radius: 16px; overflow: hidden; }
.start-photo img { width: 100%; aspect-ratio: 4 / 5; object-fit: cover; object-position: 52% 40%; }
.start-options { display: grid; gap: 14px; margin-top: 26px; }
.start-opt { background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 20px 22px; }
.start-main { border-left: 4px solid var(--orange-btn); }
.start-opt h3 { font-size: 1.15rem; font-weight: 600; color: var(--navy); }
.start-opt p { font-size: 15px; color: var(--muted); margin-top: 4px; }
.opt-actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 14px; }
.start-small { margin-top: 18px; font-size: 15px; color: var(--muted); }
.start-small a { color: var(--blue); font-weight: 600; }
.apply-fine { margin-top: 14px; font-size: 12.5px; color: var(--muted); }

/* contact */
.contact { padding: clamp(64px, 7vw, 96px) 0; }
.contact-grid { display: grid; grid-template-columns: 5fr 7fr; gap: clamp(32px, 5vw, 72px); align-items: start; }
.contact-list { margin: 26px 0 26px; display: grid; gap: 16px; }
.contact-list li { display: grid; grid-template-columns: 40px 1fr; gap: 14px; align-items: start; }
.contact-list .ic { width: 40px; height: 40px; padding: 10px; border-radius: 10px; background: var(--sky); color: var(--blue); }
.contact-list .k { display: block; font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.contact-list a { font-weight: 600; color: var(--navy); text-decoration: none; }
.contact-list a:hover { text-decoration: underline; }
.contact-form { background: var(--mist); border: 1px solid var(--line); border-radius: 16px; padding: clamp(20px, 3vw, 36px); display: grid; gap: 16px; }
.form-title { font-size: 1.3rem; font-weight: 600; color: var(--navy); }
.contact-form input:not([type=checkbox]), .contact-form select, .contact-form textarea { width: 100%; border: 1.5px solid var(--line); background: #fff; border-radius: 10px; padding: 12px 14px; font-size: 16px; color: var(--ink); scroll-margin-bottom: 96px; }
.contact-form textarea { resize: vertical; min-height: 110px; }
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus { outline: 0; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(31,95,191,.13); }
.contact-form [aria-invalid="true"] { border-color: #B42318 !important; }
.contact-form abbr { text-decoration: none; color: var(--orange-btn); }
.err { font-size: 13px; color: #B42318; font-weight: 500; }
.check { grid-template-columns: 22px 1fr; column-gap: 12px; align-items: start; }
.check input { width: 20px; height: 20px; margin: 2px 0 0; accent-color: var(--navy); }
.field.check label { font-weight: 400; font-size: 13.5px; color: var(--muted); line-height: 1.5; }
.check .err { grid-column: 2; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-status { padding: 14px 16px; border-radius: 10px; font-size: 15px; background: #fff; border-left: 3px solid var(--blue); }
.form-status.ok { border-color: #1E7B4C; }
.form-status.bad { border-color: #B42318; }
.contact-form .fine a { color: var(--navy); }

/* footer */
.site-foot { background: var(--navy-900); color: #C3D0E4; padding-bottom: 104px; }
.site-foot .horizon { display: none; }
.foot-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 40px; padding-top: clamp(48px, 6vw, 72px); }
.foot-brand { display: flex; gap: 22px; align-items: center; }
.foot-brand img { width: 130px; height: auto; flex: none; }
.foot-name { font-size: 1.3rem; font-weight: 700; color: #fff; }
.foot-brand p:not(.foot-name) { font-size: 15px; }
.foot-brand .foot-motto { margin-top: 8px; color: var(--gold); font-weight: 500; }
.foot-nav, .foot-contact { display: grid; gap: 9px; font-size: 15px; align-content: start; }
.foot-nav a, .foot-contact a { text-decoration: none; color: #fff; font-weight: 500; }
.foot-nav a:hover, .foot-contact a:hover { text-decoration: underline; }
.legal { margin-top: 40px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.12); display: grid; gap: 10px; font-size: 12.5px; line-height: 1.65; color: #9FB0CB; }
.legal p { max-width: 115ch; }
.ehl { display: flex; align-items: center; gap: 12px; color: #fff; font-weight: 600; font-size: 12.5px; letter-spacing: .06em; text-transform: uppercase; }
.legal-links { display: flex; flex-wrap: wrap; gap: 8px 22px; }
.legal-links a { color: #fff; }

.mobile-bar { display: none; }

/* restrained motion: content fades up once */
.js .reveal { opacity: 0; transform: translateY(14px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.js .reveal.in { opacity: 1; transform: none; }

/* responsive */
@media (max-width: 1140px) {
  .nav ul { gap: 18px; }
  .menu { grid-template-columns: 1fr 1fr; }
  .facts { grid-template-columns: repeat(2, auto); justify-content: start; gap: 12px 40px; }
}
@media (max-width: 1000px) {
  :root { --head-h: 68px; }
  .menu-btn { display: inline-block; }
  .nav { position: fixed; inset: var(--head-h) 0 auto 0; background: #fff; border-bottom: 1px solid var(--line); padding: 6px var(--gutter) 24px; display: none; box-shadow: 0 24px 40px rgba(11,42,91,.12); max-height: calc(100dvh - var(--head-h)); overflow: auto; }
  .nav.open { display: block; }
  .nav ul { flex-direction: column; gap: 0; }
  .nav li a { display: block; padding: 14px 0; font-size: 1.15rem; font-weight: 600; color: var(--navy); border-bottom: 1px solid var(--line); }
  .nav-extra { display: grid; gap: 14px; padding-top: 18px; }
  .nav-phone { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; color: var(--navy); text-decoration: none; }
  .calc-grid { grid-template-columns: 1fr; }
  .intent-grid { grid-template-columns: 1fr 1fr; }
  .path-line { grid-template-columns: 1fr; gap: 0; }
  .path-line::before { left: 21px; right: auto; top: 22px; bottom: 40px; width: 2px; height: auto; background: linear-gradient(180deg, var(--navy) 0 75%, var(--orange) 100%); }
  .path-line li { display: grid; grid-template-columns: 44px 1fr; column-gap: 18px; padding-bottom: 22px; }
  .path-line .node { grid-row: span 2; }
  .path-line h3 { margin: 10px 0 2px; }
  .foot-grid { grid-template-columns: 1fr 1fr; }
  .foot-brand { grid-column: 1 / -1; }
}
@media (max-width: 760px) {
  .sec-head-split { grid-template-columns: 1fr; }
  .hero-grid { grid-template-columns: 1fr; min-height: 0; gap: 0; }
  .hero-copy { padding: 36px 0 8px; }
  .hero-oscar { max-width: 340px; }
  .hero-oscar img { max-height: 400px; }
  .oscar-tag { left: -6px; bottom: 24px; }
  .trust-row { justify-content: flex-start; flex-direction: column; gap: 10px; }
  .trust-row li { white-space: normal; }
  .trust-row li + li::before { display: none; }
  .intent-grid { grid-template-columns: 1fr; gap: 12px; }
  .intent-item { flex-direction: row; align-items: center; gap: 16px; padding-bottom: 12px; border-bottom: 1px solid var(--line); }
  .intent-photo { width: 104px; flex: none; aspect-ratio: 1; }
  .menu { grid-template-columns: 1fr; gap: 28px; }
  .about-grid, .start-grid, .contact-grid { grid-template-columns: 1fr; }
  .about-portrait { max-width: 420px; }
  .start-photo img { aspect-ratio: 16 / 10; }
}
@media (max-width: 640px) {
  body { font-size: 16px; }
  .brand-logo { width: 44px; }
  .brand-name { font-size: 17px; }
  .brand-sub { font-size: 12px; }
  .head-apply { display: none; }
  .head-actions { gap: 10px; }
  .hero-title { font-size: clamp(2.3rem, 10.5vw, 2.8rem); }
  .hero .cta-row .btn { flex: 1 1 100%; }
  .field-row { grid-template-columns: 1fr; }
  .fd-photos { aspect-ratio: 16 / 10; }
  .fd-label { left: 10px; top: 10px; padding: 8px 12px; }
  .breakdown { grid-template-columns: 1fr; }
  .facts { grid-template-columns: 1fr 1fr; gap: 12px 20px; }
  .calc-actions .btn { flex: 1 1 100%; }
  .menu-item { grid-template-columns: 1fr; }
  .brand-seal { flex-direction: column; align-items: flex-start; }
  .brand-seal img { width: 130px; }
  .opt-actions .btn { flex: 1 1 100%; }
  .foot-grid { grid-template-columns: 1fr; }
  .foot-brand { flex-direction: column; align-items: flex-start; }
  .mobile-bar { display: grid; grid-template-columns: 1fr 1.5fr; gap: 8px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; padding: 10px 12px calc(10px + env(safe-area-inset-bottom)); background: #fff; border-top: 1px solid var(--line); box-shadow: 0 -8px 24px -14px rgba(11,42,91,.3); transform: translateY(110%); transition: transform .3s var(--ease); }
  .mobile-bar.show { transform: none; }
  .mobile-bar a { display: inline-flex; align-items: center; justify-content: center; gap: 8px; min-height: 48px; border-radius: 10px; font-weight: 600; text-decoration: none; }
  .mb-call { border: 1.5px solid #C9D4E3; color: var(--navy); }
  .mb-apply { background: var(--orange-btn); color: #fff; }
}
@media (max-width: 359px) {
  .brand-logo { width: 38px; }
  .brand-sub { display: none; }
  .head-row { gap: 10px; }
  .seg label > span { font-size: 13px; padding: 9px 2px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: 0s !important; animation-duration: 0s !important; }
  .js .reveal { opacity: 1; transform: none; }
}

/* inner pages */
.doc { padding: clamp(44px, 6vw, 80px) 0 clamp(72px, 8vw, 110px); }
.doc .wrap { max-width: 860px; }
.doc h1 { font-size: clamp(2rem, 3.6vw, 2.6rem); font-weight: 600; color: var(--navy); letter-spacing: -.02em; line-height: 1.12; margin-bottom: 18px; }
.doc h2 { font-size: 1.25rem; font-weight: 600; color: var(--navy); margin: 34px 0 10px; }
.doc p, .doc li { margin-bottom: 12px; }
.doc ul { list-style: disc; padding-left: 22px; }
.doc .note { background: var(--mist); border-left: 3px solid var(--orange); padding: 14px 18px; border-radius: 0 10px 10px 0; font-size: 15px; margin-bottom: 26px; }
.doc a { color: var(--blue); }
.back { display: inline-flex; gap: 8px; font-weight: 600; color: var(--navy); text-decoration: none; margin-bottom: 24px; }
html[lang="es"] .only-en, html[lang="en"] .only-es { display: none; }

/* trust: compact two-line facts */
.trust { background: var(--mist); }
.trust-row { display: grid; grid-template-columns: auto auto auto auto 1.4fr; gap: 0; justify-content: stretch; padding: 18px 0; }
.trust-row li { display: grid; gap: 1px; padding: 0 22px; border-left: 1px solid var(--line); white-space: normal; }
.trust-row li:first-child { padding-left: 0; border-left: 0; }
.trust-row li + li::before { display: none; }
.t-k { font-size: 12px; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--muted); }
.t-v { font-size: 15px; font-weight: 600; color: var(--navy); }
.t-v a { margin-left: 4px; font-weight: 600; font-size: 13.5px; color: var(--blue); }
@media (max-width: 1000px) { .trust-row { grid-template-columns: 1fr 1fr 1fr; row-gap: 14px; } .trust-row li:nth-child(4) { padding-left: 0; border-left: 0; } }
@media (max-width: 760px) { .trust-row { grid-template-columns: 1fr 1fr; } .trust-row li { padding: 0 0 0 14px; } .trust-row li:nth-child(odd) { padding-left: 0; border-left: 0; } .trust-row li:nth-child(4) { padding-left: 14px; border-left: 1px solid var(--line); } .trust-row li:last-child { grid-column: 1 / -1; padding-left: 0; border-left: 0; } }


.facts { grid-template-columns: repeat(auto-fit, minmax(120px, 1fr)); justify-content: stretch; }

/* =====================================================================
   V5 · art direction pass
   One continuous experience: a threshold hero, full-bleed photography that
   overlaps section edges, a calculator "stage", an index of loans, and a
   larger-than-life Oscar. Motion is limited to: hero push-in, gentle photo
   drift, and the calculator's price-driven neighborhood. All off with Reduce Motion.
   ===================================================================== */
.h2-xl { font-size: clamp(2rem, 3.6vw, 3.1rem); line-height: 1.08; letter-spacing: -.028em; }

/* A · hero: the threshold */
.hero { background: #fff; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(32px, 5vw, 80px); align-items: stretch; min-height: clamp(600px, calc(100vh - var(--head-h) - 72px), 860px); }
.hero-copy { align-self: center; padding: 48px 0 72px; }
.hero-title { font-size: clamp(2.8rem, 5.4vw, 4.9rem); line-height: 1; letter-spacing: -.038em; font-weight: 600; }
.hero-lead { font-size: clamp(1.06rem, 1.3vw, 1.22rem); max-width: 44ch; }
.threshold { position: relative; padding-top: 28px; }
.threshold::before { content: ""; position: absolute; left: -16px; right: -16px; top: 12px; bottom: 0; border: 1.5px solid #CBD9EE; border-bottom: 0; border-radius: 999px 999px 0 0; pointer-events: none; }
.door { position: relative; height: 100%; min-height: 560px; border-radius: 999px 999px 0 0; overflow: hidden; background: var(--sky); }
.door-img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 50% 62%; transform: scale(1.04); transform-origin: 50% 78%; will-change: transform; }
.door .credit { bottom: 10px; right: 50%; transform: translateX(50%); }
.guide { position: absolute; left: -44px; bottom: 56px; display: flex; align-items: center; gap: 12px; background: #fff; padding: 10px 18px 10px 10px; border-radius: 999px; box-shadow: 0 16px 40px -18px rgba(11,42,91,.5); }
.guide-face { width: 58px; height: 58px; border-radius: 50%; overflow: hidden; background: var(--sky); flex: none; }
.guide-face img { width: 100%; height: 100%; object-fit: cover; object-position: 55% 8%; transform: scale(1.5); transform-origin: 55% 12%; }
.guide-text { display: grid; line-height: 1.2; }
.guide-text small { font-size: 11px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--orange-btn); }
.guide-text b { font-size: 16px; font-weight: 700; color: var(--navy); }
.guide-text span { font-size: 12.5px; color: var(--muted); }
.trust { position: relative; z-index: 2; }

/* C · intent: full-bleed photo columns that open on hover */
.intent { padding: clamp(64px, 7vw, 96px) 0 0; }
.intent-head { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 56px; align-items: end; margin-bottom: 36px; }
.intent-head .sec-intro { margin-top: 0; }
.intent-strip { display: flex; gap: 4px; height: clamp(440px, 64vh, 600px); }
.intent-strip li { flex: 1; transition: flex .6s var(--ease); min-width: 0; }
@media (hover: hover) and (min-width: 1001px) { .intent-strip:hover li { flex: .85; } .intent-strip li:hover { flex: 1.6; } }
.intent-col { position: relative; display: block; height: 100%; overflow: hidden; text-decoration: none; color: #fff; }
.intent-col img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 1s var(--ease); }
.intent-col:hover img { transform: scale(1.04); }
.intent-col::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(7,29,64,0) 35%, rgba(7,29,64,.82) 100%); }
.intent-copy { position: absolute; left: 0; right: 0; bottom: 0; z-index: 1; padding: 26px clamp(18px, 2vw, 30px); display: grid; gap: 6px; }
.intent-n { font-size: 13px; font-weight: 700; color: #FFB27A; letter-spacing: .08em; }
.intent-copy b { font-size: clamp(1.2rem, 1.6vw, 1.5rem); font-weight: 600; line-height: 1.2; }
.intent-copy > span:not(.intent-n) { font-size: 14.5px; color: rgba(255,255,255,.86); max-width: 34ch; }
.intent-copy em { font-style: normal; display: inline-flex; align-items: center; gap: 6px; margin-top: 6px; font-size: 14.5px; font-weight: 600; }
.intent-copy em svg { width: 16px; height: 16px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: transform .2s var(--ease); }
.intent-col:hover em svg { transform: translateX(4px); }
.intent .photo-credits { margin-top: 10px; }

/* D · signature stage */
.calc { background: #fff; padding: clamp(72px, 8vw, 110px) 0 clamp(64px, 7vw, 96px); }
.calc-head { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 56px; align-items: end; margin-bottom: 36px; }
.calc-head .sec-intro { margin-top: 0; }
.stage { position: relative; height: clamp(560px, 80vh, 780px); overflow: hidden; background: var(--navy-900); color: #fff; }
.stage-photos { position: absolute; inset: 0; }
.stage-photos img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; opacity: 0; transition: opacity .25s linear, transform .5s var(--ease); will-change: opacity, transform; }
.stage-photos img[data-tier="1"] { object-position: 50% 55%; }
.stage-photos img[data-tier="4"] { object-position: 50% 60%; }
.stage-shade { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(7,29,64,.55) 0%, rgba(7,29,64,0) 30%, rgba(7,29,64,0) 48%, rgba(7,29,64,.86) 100%); }
.stage-ui { position: relative; height: 100%; display: flex; flex-direction: column; justify-content: space-between; padding-top: 30px; padding-bottom: 104px; }
.stage-top { display: flex; justify-content: space-between; align-items: flex-start; gap: 24px; }
.stage-style { display: grid; gap: 4px; }
.stage-style span { font-size: clamp(1.4rem, 2.2vw, 2rem); font-weight: 600; letter-spacing: -.02em; text-shadow: 0 2px 14px rgba(0,0,0,.35); }
.stage-style small { font-size: 12.5px; color: rgba(255,255,255,.85); }
.stage-pay { text-align: right; display: grid; gap: 2px; padding: 14px 20px; border-radius: 14px; background: rgba(7,29,64,.55); }
.stage-pay-label { font-size: 11.5px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: #BFD3EE; }
.stage-pay-num { font-size: clamp(2rem, 3.6vw, 3rem); font-weight: 700; letter-spacing: -.03em; line-height: 1.05; font-variant-numeric: tabular-nums; }
.stage-pay-num small { font-size: 15px; font-weight: 500; color: #BFD3EE; margin-left: 3px; letter-spacing: 0; }
.price-dial { display: grid; gap: 10px; }
.price-read { display: flex; flex-wrap: wrap; align-items: baseline; gap: 6px 18px; }
.price-read label { font-size: 12px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: #BFD3EE; width: 100%; }
.price-read output { font-size: clamp(2.2rem, 4.6vw, 3.8rem); font-weight: 600; letter-spacing: -.035em; line-height: 1; font-variant-numeric: tabular-nums; }
.fd-tier { font-size: 14px; font-weight: 600; padding: 6px 12px; border-radius: 999px; background: rgba(255,255,255,.16); color: #fff; }
.range-xl { height: 40px; }
.range-xl::-webkit-slider-runnable-track { height: 6px; background: linear-gradient(to right, var(--orange) var(--fill), rgba(255,255,255,.35) var(--fill)); }
.range-xl::-moz-range-track { height: 6px; background: rgba(255,255,255,.35); }
.range-xl::-moz-range-progress { height: 6px; background: var(--orange); }
.range-xl::-webkit-slider-thumb { width: 34px; height: 34px; margin-top: -14px; background: #fff; border: 3px solid var(--orange); box-shadow: 0 4px 16px rgba(0,0,0,.35); }
.range-xl::-moz-range-thumb { width: 28px; height: 28px; background: #fff; border: 3px solid var(--orange); }
.ticks { display: flex; justify-content: space-between; font-size: 12px; font-weight: 600; color: rgba(255,255,255,.72); }
.stage > .credit { bottom: 10px; }
.calc-grid { position: relative; z-index: 2; grid-template-columns: 7fr 5fr; margin-top: -72px; gap: 20px; }
.calc-form { box-shadow: 0 24px 60px -30px rgba(11,42,91,.45); }
.pay { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 24px 26px; box-shadow: 0 24px 60px -30px rgba(11,42,91,.45); align-self: start; }
.pay .breakdown { grid-template-columns: 1fr; }
.pay .facts { grid-template-columns: 1fr 1fr; }

/* E · loan index */
.loans { padding: clamp(72px, 8vw, 110px) 0; background: var(--mist); }
.loans-head { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 56px; align-items: end; margin-bottom: 30px; }
.loans-head .sec-intro { margin-top: 0; }
.loan-index { display: grid; grid-template-columns: 7fr 5fr; gap: clamp(32px, 5vw, 72px); align-items: start; }
.li-list { counter-reset: li; border-top: 2px solid var(--navy); }
.li-list .menu-item { counter-increment: li; display: block; padding: 0; border-bottom: 1px solid var(--line); background: none; transition: opacity .3s; }
.li-btn { width: 100%; display: grid; grid-template-columns: 48px 1fr 24px; align-items: center; column-gap: 8px; text-align: left; padding: 16px 0; border: 0; background: none; cursor: pointer; color: var(--navy); }
.li-btn::before { content: counter(li, decimal-leading-zero); grid-row: span 2; font-size: 13px; font-weight: 700; color: var(--orange-btn); letter-spacing: .06em; }
.li-btn::after { content: ""; grid-row: 1 / span 2; grid-column: 3; width: 10px; height: 10px; border-top: 2px solid currentColor; border-right: 2px solid currentColor; transform: rotate(45deg); opacity: 0; transition: opacity .2s, transform .2s; justify-self: end; }
.li-fam { grid-column: 2; font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.li-name { grid-column: 2; font-size: clamp(1.45rem, 2.4vw, 2.15rem); font-weight: 600; letter-spacing: -.025em; line-height: 1.15; transition: color .2s, transform .3s var(--ease); }
.li-btn:hover .li-name { transform: translateX(6px); }
.menu-item.active .li-name { color: var(--blue); }
.menu-item.active .li-btn::after { opacity: 1; color: var(--orange-btn); }
.li-detail { display: none; }
.li-list .menu-item.dim { opacity: .3; }
.li-panel { position: sticky; top: calc(var(--head-h) + 24px); }
.li-photo { aspect-ratio: 4 / 5; border-radius: 999px 999px 16px 16px; overflow: hidden; background: var(--sky); }
.li-photo img { width: 100%; height: 100%; object-fit: cover; opacity: 0; transform: scale(1.05); transition: opacity .45s var(--ease), transform .9s var(--ease); }
.li-photo img.in { opacity: 1; transform: none; }
.li-panel-copy { margin-top: 20px; }
.li-panel-fam { font-size: 12px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--orange-btn); }
.li-panel-copy h3 { font-size: 1.5rem; font-weight: 600; color: var(--navy); margin: 4px 0 8px; }
.li-panel-copy p:not(.li-panel-fam) { color: var(--muted); }
.li-panel-copy .menu-ask, .li-detail .menu-ask { margin-top: 12px; font-size: 15px; }
.loans-unsure { margin-top: 30px; color: var(--muted); }
.loans-unsure b { color: var(--navy); }
.loans-unsure a { color: var(--blue); font-weight: 600; margin-left: 4px; }

/* F · path: full-bleed street with an overlapping card */
.path { background: #fff; padding: 0 0 clamp(64px, 7vw, 96px); }
.path-photo { position: relative; height: clamp(380px, 64vh, 640px); overflow: hidden; }
.path-photo img, .start-photo img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transform: scale(1.14); will-change: transform; }
.path-photo .credit { top: 10px; bottom: auto; }
.path-card { position: relative; margin-top: -190px; }
.path-card > * { position: relative; }
.path-card::before { content: ""; position: absolute; left: var(--gutter); right: var(--gutter); top: 0; bottom: -10px; background: #fff; border-radius: 20px; box-shadow: 0 30px 70px -40px rgba(11,42,91,.5); }
.path-head { display: grid; grid-template-columns: 1fr 1fr; gap: 16px 56px; align-items: end; padding: 40px clamp(20px, 3vw, 44px) 0; margin-bottom: 36px; }
.path-head .sec-intro { margin-top: 0; }
.path .path-line { padding: 0 clamp(20px, 3vw, 44px) 30px; }
.path .path-line::before { left: calc(clamp(20px, 3vw, 44px) + 22px); right: calc(10% + clamp(20px, 3vw, 44px)); }

/* G · Oscar, larger than life */
.about { padding: clamp(96px, 10vw, 140px) 0 clamp(72px, 8vw, 110px); background: #fff; }
.about-grid { grid-template-columns: 5fr 7fr; align-items: end; }
.about-figure { position: relative; margin: 0; }
.about-panel { position: absolute; left: 0; right: 0; bottom: 0; height: 74%; background: linear-gradient(170deg, #E3ECF8 0%, #CFDDF1 100%); border-radius: 20px 20px 0 0; }
.about-cut { position: relative; width: 100%; height: auto; display: block; }
.about-seal { position: absolute; right: -34px; top: 30%; width: 132px; height: auto; filter: drop-shadow(0 14px 26px rgba(11,42,91,.3)); }
.about-copy { padding-bottom: 20px; }
.promise-xl li { font-size: clamp(2rem, 3.8vw, 3.3rem); line-height: 1.06; letter-spacing: -.03em; font-weight: 600; color: var(--navy); }
.promise-xl li:last-child { color: var(--orange-btn); }
.about-sub { margin: 26px 0 10px; font-size: 1.3rem; font-weight: 600; color: var(--navy); letter-spacing: -.01em; }
.about-copy > p + p { margin-top: 12px; }
.seal-line { margin-top: 18px; font-size: 14px; color: var(--muted); }

/* H · final: full-bleed photo with an overlapping card */
.start { background: var(--mist); padding: 0 0 clamp(64px, 7vw, 96px); }
.start-photo { position: relative; height: clamp(420px, 72vh, 700px); overflow: hidden; }
.start-photo img { object-position: 50% 35%; }
.start-photo .credit { top: 10px; bottom: auto; }
.start-card { position: relative; z-index: 1; max-width: 660px; margin: -300px 0 0 auto; background: #fff; border-radius: 20px; padding: clamp(24px, 3vw, 40px); box-shadow: 0 30px 70px -36px rgba(11,42,91,.55); }
.start-options { margin-top: 22px; }

/* responsive */
@media (max-width: 1000px) {
  .hero-grid { grid-template-columns: 1fr 1fr; }
  .guide { left: -20px; }
  .calc-grid { grid-template-columns: 1fr; }
  .loan-index { grid-template-columns: 1fr; }
  .li-panel { display: none; }
  .menu-item.active .li-detail { display: block; padding: 0 0 18px 56px; color: var(--muted); }
  .li-btn::after { transform: rotate(135deg); }
  .menu-item.active .li-btn::after { transform: rotate(-45deg); }
  .path-head { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .hero-grid { display: flex; flex-direction: column; gap: 0; min-height: 0; }
  .threshold { order: -1; padding-top: 18px; height: 54vh; min-height: 340px; max-height: 480px; margin: 0 8px; }
  .threshold::before { left: -8px; right: -8px; top: 8px; }
  .door { min-height: 0; }
  .guide { left: 50%; transform: translateX(-50%); bottom: -26px; white-space: nowrap; }
  .hero-copy { padding: 52px 0 40px; }
  .hero-title { font-size: clamp(2.4rem, 11vw, 3rem); }
  .intent-head, .calc-head, .loans-head { grid-template-columns: 1fr; }
  .intent-strip { flex-direction: column; height: auto; gap: 3px; }
  .intent-strip li { height: 230px; flex: none; }
  .stage { height: auto; min-height: 600px; }
  .stage-ui { padding-top: 18px; padding-bottom: 96px; min-height: 600px; }
  .stage-top { flex-direction: column; gap: 14px; }
  .stage-pay { text-align: left; }
  .ticks span:nth-child(2), .ticks span:nth-child(4), .ticks span:nth-child(6) { display: none; }
  .calc-grid { margin-top: -64px; }
  .pay { padding: 20px; }
  .li-name { font-size: 1.45rem; }
  .path-photo { height: 320px; }
  .path-card { margin-top: -110px; }
  .path-head { padding: 26px 20px 0; margin-bottom: 26px; }
  .path .path-line { padding: 0 20px 20px; }
  .about-grid { grid-template-columns: 1fr; }
  .about-figure { max-width: 380px; margin: 0 auto; width: 100%; }
  .about-seal { width: 96px; right: -6px; }
  .start-photo { height: 340px; }
  .start-card { margin: -120px 0 0; }
}
@media (max-width: 640px) {
  .stage-ui .wrap { padding: 0; }
  .calc-mini { display: none; }
}
@media (prefers-reduced-motion: reduce) {
  .door-img, .path-photo img, .start-photo img { transform: none !important; }
  .intent-strip li { transition: none; }
}
.about-seal { right: auto; left: -12px; top: 4%; width: 128px; }
@media (max-width: 760px) { .about-seal { left: -4px; top: 2%; width: 92px; right: auto; } }
.intent-col::after { background: linear-gradient(180deg, rgba(7,29,64,.05) 20%, rgba(7,29,64,.88) 100%); }
@media (max-width: 760px) { .intent-col::after { background: linear-gradient(180deg, rgba(7,29,64,.25) 0%, rgba(7,29,64,.9) 100%); } }
.stage-photos img { transition: transform .5s var(--ease); }
.stage-photos img + img { box-shadow: 0 0 0 1px rgba(255,255,255,.0); }
.stage-photos img[data-tier="4"] { object-position: 50% 55%; }

/* Miami tiers: framing per photo */
.stage-photos img[data-tier="1"] { object-position: 50% 45%; }
.stage-photos img[data-tier="2"] { object-position: 50% 60%; }
.stage-photos img[data-tier="3"] { object-position: 50% 50%; }
.stage-photos img[data-tier="4"] { object-position: 50% 50%; }
.stage-photos img[data-tier="5"] { object-position: 50% 30%; }
/* Bricolage: use its display optical size for big type */

.stage-photos img[data-tier="5"] { object-position: 50% 46%; }

/* Bricolage spacing: let the font breathe at large sizes (as in the approved sample) */
.hero-title { letter-spacing: -.022em; }
.h2, .h2-xl { letter-spacing: -.018em; }
.li-name, .promise-xl li { letter-spacing: -.015em; }
.price-read output, .stage-pay-num, .total-num { letter-spacing: -.015em; }
.stage-style span { letter-spacing: -.01em; }

/* =====================================================================
   V7 · final art-direction pass
   One idea runs through the page: the doorway. An architect's elevation
   (arches, a ground line, faint drafting grid) and real South Florida light
   (palm shadows, Coral Gables, Miami Beach) tie every section together.
   The calculator stage is unchanged and stays the main interactive moment.
   ===================================================================== */
:root { --paper: #FAF8F4; --paper-2: #F4F1EB; --bp: rgba(11, 42, 91, .055); --bp-strong: rgba(11, 42, 91, .16); }
body { background: var(--paper); }
.site-head { background: var(--paper); transition: box-shadow .3s var(--ease); }
.site-head.is-scrolled { box-shadow: 0 10px 30px -22px rgba(11,42,91,.45); }

/* shared textures: a drafting grid and real palm shadows, both very faint */
.hero::before, .loans::before, .contact::before { content: ""; position: absolute; inset: 0; pointer-events: none;
  background-image: linear-gradient(var(--bp) 1px, transparent 1px), linear-gradient(90deg, var(--bp) 1px, transparent 1px);
  background-size: 56px 56px; background-position: -1px -1px; }
.intent::before, .about::before { content: ""; position: absolute; pointer-events: none; background: url(img/palms-tex.webp) center / cover no-repeat; mix-blend-mode: multiply; }

/* A · hero: the Baez doorway */
.hero { background: var(--paper); position: relative; overflow: hidden; }
.hero::before { -webkit-mask-image: radial-gradient(ellipse 55% 85% at 74% 55%, #000 10%, transparent 78%); mask-image: radial-gradient(ellipse 55% 85% at 74% 55%, #000 10%, transparent 78%); }
.hero-grid { position: relative; z-index: 1; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(24px, 4vw, 64px); min-height: clamp(640px, calc(100vh - var(--head-h) - 36px), 880px); }
.hero-copy { padding: 40px 0 96px; }
.threshold { position: relative; padding: 0; min-height: 560px; }
.threshold::before { left: calc(8% - 18px); right: auto; width: calc(54% + 36px); top: 50px; border-color: var(--bp-strong); }
.threshold::after { content: ""; position: absolute; left: calc(8% - 40px); width: calc(54% + 80px); top: 28px; bottom: 0; border: 1px dashed rgba(11,42,91,.13); border-bottom: 0; border-radius: 999px 999px 0 0; pointer-events: none; }
.door { position: absolute; left: 8%; width: 54%; top: 68px; bottom: 0; height: auto; min-height: 0; }
.door .credit { right: auto; left: 50%; transform: translateX(-50%); white-space: nowrap; }
.bp-dim-v { position: absolute; left: calc(8% - 74px); top: 68px; bottom: 0; width: 9px; border-left: 1px solid var(--bp-strong); pointer-events: none; }
.bp-dim-v::before, .bp-dim-v::after { content: ""; position: absolute; left: -5px; width: 9px; height: 1px; background: var(--bp-strong); }
.bp-dim-v::before { top: 0; } .bp-dim-v::after { bottom: 24px; }
.keystone { position: absolute; z-index: 3; top: 18px; left: 35%; width: 100px; height: auto; transform: translateX(-50%); background: #fff; border-radius: 50%; padding: 4px; box-shadow: 0 12px 28px -12px rgba(11,42,91,.55); }
.hero-oscar { position: absolute; z-index: 2; right: 0; bottom: 0; width: 49%; height: auto; max-height: 76%; object-fit: contain; object-position: 100% 100%;
  -webkit-mask-image: linear-gradient(to left, transparent 0, #000 13%); mask-image: linear-gradient(to left, transparent 0, #000 13%);
  filter: drop-shadow(-16px 8px 26px rgba(11,42,91,.2)); }
.guide { left: -2%; bottom: 46px; z-index: 3; display: grid; gap: 1px; align-items: start; padding: 13px 20px 13px 16px; border-radius: 0 12px 12px 0; border-left: 3px solid var(--orange-btn); background: #fff; }
.guide small { font-size: 11px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--orange-btn); }
.guide b { font-size: 17px; font-weight: 700; color: var(--navy); line-height: 1.2; }
.guide > span { font-size: 12.5px; color: var(--muted); }
.ground { position: absolute; z-index: 3; left: 0; right: 0; bottom: 0; height: 2px; background: var(--navy); }
.trust { background: var(--paper); border-bottom: 1px solid var(--line); }

/* C · intent: four Miami doorways */
.intent { position: relative; background: var(--paper); padding: clamp(72px, 7vw, 104px) 0 0; }
.intent::before { top: 0; right: 0; width: 72%; height: 78%; opacity: .95; -webkit-mask-image: radial-gradient(ellipse at 70% 30%, #000 20%, transparent 72%); mask-image: radial-gradient(ellipse at 70% 30%, #000 20%, transparent 72%); }
.intent > * { position: relative; }
.intent-strip { width: min(100% - 2 * var(--gutter), 1400px); margin: 0 auto; gap: 14px; height: clamp(470px, 68vh, 620px); border-bottom: 2px solid var(--navy); }
.intent-col { border-radius: 999px 999px 0 0; isolation: isolate; }
.intent-col::before { content: ""; position: absolute; z-index: 1; inset: 10px 10px 0; border: 1px solid rgba(255,255,255,.5); border-bottom: 0; border-radius: 999px 999px 0 0; pointer-events: none; }
.intent-col::after { background: linear-gradient(180deg, rgba(7,29,64,0) 38%, rgba(7,29,64,.86) 100%); }
.intent-copy { z-index: 2; padding: 26px clamp(18px, 2vw, 28px) 28px; }
.intent-col img { object-position: 50% 50%; }
.intent .photo-credits { margin-top: 12px; }

/* D · calculator: same stage, on the shared paper tone */
.calc { background: var(--paper); padding-top: clamp(64px, 7vw, 96px); }

/* E · loan index: drafting grid, arched panel with a plaque */
.loans { position: relative; background: var(--mist); }
.loans::before { -webkit-mask-image: linear-gradient(90deg, transparent 0, #000 55%); mask-image: linear-gradient(90deg, transparent 0, #000 55%); }
.loans > .wrap { position: relative; }
.li-panel::before { content: ""; position: absolute; left: -16px; right: -16px; top: -16px; height: 60%; border: 1px solid var(--bp-strong); border-bottom: 0; border-radius: 999px 999px 0 0; pointer-events: none; }
.li-photo { position: relative; aspect-ratio: 4 / 4.6; }
.li-count { position: absolute; left: 22px; bottom: 70px; font-size: clamp(3rem, 5vw, 4.4rem); font-weight: 600; line-height: 1; color: #fff; letter-spacing: -.02em; text-shadow: 0 4px 24px rgba(7,29,64,.45); font-variant-numeric: tabular-nums; }
.li-photo .credit { bottom: 70px; }
.li-panel-copy { position: relative; margin: -56px 18px 0; background: #fff; border-radius: 14px; padding: 20px 24px 22px; box-shadow: 0 24px 50px -30px rgba(11,42,91,.5); border-top: 3px solid var(--orange-btn); }
.li-panel-copy h3 { margin-top: 2px; }

/* F · the path home: through the Coral Gables entrance */
.path { background: var(--paper); }
.path-photo { height: clamp(540px, 88vh, 840px); }
.path-photo img { object-position: 50% 62%; }
.path-photo::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(7,29,64,.62) 0%, rgba(7,29,64,.18) 34%, rgba(7,29,64,0) 52%); pointer-events: none; }
.path-photo .path-head { position: absolute; z-index: 1; left: 0; right: 0; top: clamp(44px, 6vw, 84px); display: block; padding: 0 var(--gutter); margin: 0 auto; color: #fff; }
.path-photo .path-head .kicker { color: #FFD3AE; }
.path-photo .path-head .h2 { color: #fff; }
.path-photo .path-head .sec-intro { color: rgba(255,255,255,.9); margin-top: 12px; max-width: 40ch; }
.path-photo .credit { top: auto; bottom: 170px; z-index: 1; }
.path-card { margin-top: -150px; }
.path .path-line { padding: 40px clamp(20px, 3vw, 44px) 34px; --pl: clamp(20px, 3vw, 44px); }
.path .path-line::before { left: calc(var(--pl) + 22px); right: calc(10% + var(--pl)); top: 61px; background: #D5DEEA; }
.path .path-line::after { content: ""; position: absolute; left: calc(var(--pl) + 22px); right: calc(10% + var(--pl)); top: 61px; height: 2px; background: linear-gradient(90deg, var(--navy) 0 70%, var(--orange) 100%); transform-origin: 0 50%; transform: scaleX(var(--p, 1)); }
.path-line .node { transition: background-color .35s var(--ease), color .35s var(--ease), border-color .35s var(--ease); }
.path-line li.on .node:not(.node-door) { background: var(--navy); color: #fff; }
.js .path-line li:not(.on) .node-door { background: #fff; color: var(--orange-btn); }

/* G · Meet Oscar: in his doorway, in South Florida light */
.about { position: relative; overflow: hidden; background: var(--paper); padding: clamp(96px, 10vw, 150px) 0 clamp(80px, 8vw, 120px); }
.about::before { inset: 0; opacity: 1; -webkit-mask-image: linear-gradient(100deg, #000 0%, rgba(0,0,0,.55) 45%, transparent 80%); mask-image: linear-gradient(100deg, #000 0%, rgba(0,0,0,.55) 45%, transparent 80%); }
.about-grid { position: relative; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(40px, 6vw, 96px); align-items: center; }
.about-figure { position: relative; max-width: 470px; width: 100%; justify-self: center; }
.about-figure::after { content: ""; position: absolute; left: -48px; right: -48px; bottom: 0; height: 2px; background: var(--navy); }
.about-arch { position: absolute; left: 0; right: 0; top: 13%; bottom: 0; border-radius: 999px 999px 0 0; background: linear-gradient(180deg, #DCE7F5 0%, #C9D9EF 100%); overflow: hidden; }
.about-arch-line { position: absolute; inset: 14px 14px 0; border: 1.5px solid rgba(11,42,91,.14); border-bottom: 0; border-radius: 999px 999px 0 0; }
.about-cut { position: relative; z-index: 1; width: 100%; height: auto; will-change: transform; }
.about-cap { position: absolute; z-index: 2; left: -30px; bottom: 34px; display: grid; gap: 1px; background: #fff; padding: 12px 18px 12px 15px; border-left: 3px solid var(--orange-btn); border-radius: 0 12px 12px 0; box-shadow: 0 16px 36px -18px rgba(11,42,91,.5); }
.about-cap b { font-size: 16px; color: var(--navy); }
.about-cap span { font-size: 12.5px; color: var(--muted); }
.signature { display: flex; align-items: center; gap: 18px; margin-top: 26px; padding: 18px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.sig-seal { width: 84px; height: auto; flex: none; filter: drop-shadow(0 8px 16px rgba(11,42,91,.25)); }
.sig-text { display: grid; gap: 2px; font-size: 14px; color: var(--muted); }
.sig-text b { font-size: 1.15rem; color: var(--navy); }
.sig-text a { color: var(--blue); font-weight: 600; }

/* H · start + contact on the same paper */
.start { background: var(--paper); }
.contact { position: relative; background: var(--paper-2); }
.contact::before { -webkit-mask-image: linear-gradient(90deg, #000 0%, transparent 45%); mask-image: linear-gradient(90deg, #000 0%, transparent 45%); }
.contact > .wrap { position: relative; }
.contact-form { background: #fff; box-shadow: 0 24px 60px -36px rgba(11,42,91,.4); }

/* desktop scroll motion: gentle rises, staggered doorways, drifting portrait */
.js .rv { opacity: 0; transform: translateY(26px); transition: opacity .9s var(--ease), transform .9s var(--ease); transition-delay: var(--d, 0s); }
.js .rv.in { opacity: 1; transform: none; }
.js .intent-strip li.rv { transform: translateY(60px); }
.js .intent-strip li.rv.in { transform: none; }

/* responsive */
@media (max-width: 1000px) {
  .hero-grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
  .bp-dim-v, .threshold::after { display: none; }
  .door { left: 4%; width: 62%; }
  .threshold::before { left: calc(4% - 14px); width: calc(62% + 28px); }
  .keystone { left: 35%; width: 84px; }
  .guide { left: -4%; }
  .li-panel::before { display: none; }
  .path .path-line::before, .path .path-line::after { left: calc(var(--pl) + 21px); right: auto; top: 62px; bottom: 74px; width: 2px; height: auto; }
  .path .path-line::after { background: linear-gradient(180deg, var(--navy) 0 70%, var(--orange) 100%); transform-origin: 50% 0; transform: scaleY(var(--p, 1)); }
  .path-photo .credit { bottom: 120px; }
}
@media (max-width: 760px) {
  .hero-grid { display: flex; }
  .threshold { order: -1; height: min(64vh, 520px); min-height: 380px; max-height: none; margin: 0 -4px; }
  .door { left: 2%; width: 66%; top: 52px; }
  .threshold::before { left: calc(2% - 10px); width: calc(66% + 20px); top: 38px; }
  .keystone { top: 10px; left: 35%; width: 72px; }
  .hero-oscar { right: calc(-1 * var(--gutter)); width: 56%; max-height: 74%; }
  .guide { left: -2%; right: auto; bottom: 20px; transform: none; padding: 9px 14px 9px 12px; }
  .guide b { font-size: 15px; }
  .guide > span { display: none; }
  .hero-copy { padding: 34px 0 40px; }
  .intent-strip { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; height: auto; }
  .intent-strip li { height: 320px; }
  .intent-col::before { inset: 7px 7px 0; }
  .intent-copy { padding: 16px 14px 18px; gap: 4px; }
  .intent-copy b { font-size: 1.05rem; }
  .intent-copy > span:not(.intent-n) { font-size: 13px; }
  .intent-copy em { font-size: 13.5px; }
  .path-photo { height: 560px; }
  .path-photo img { object-position: 42% 62%; }
  .path-photo .credit { bottom: 96px; }
  .path-card { margin-top: -80px; }
  .path .path-line { padding: 26px 20px 18px; --pl: 20px; }
  .path .path-line::before, .path .path-line::after { top: 48px; bottom: 60px; }
  .about { padding: 72px 0 72px; }
  .about::before { -webkit-mask-image: linear-gradient(180deg, #000 0%, transparent 60%); mask-image: linear-gradient(180deg, #000 0%, transparent 60%); }
  .about-figure { max-width: 330px; margin: 0 auto; }
  .about-figure::after { left: -24px; right: -24px; }
  .about-cap { left: -10px; bottom: 18px; }
  .sig-seal { width: 68px; }
}
@media (max-width: 560px) {
  .intent-strip li { height: 290px; }
  .intent-copy > span:not(.intent-n) { display: none; }
}
@media (max-width: 380px) {
  .hero-oscar { width: 58%; }
  .guide small { font-size: 10px; }
}
@media (prefers-reduced-motion: reduce) {
  .js .rv, .js .intent-strip li.rv { opacity: 1; transform: none; transition: none; }
  .about-cut { transform: none !important; }
}
/* v7 fixes */
.hero-oscar { filter: none; -webkit-mask-image: linear-gradient(to left, transparent 0, rgba(0,0,0,.4) 7%, #000 20%); mask-image: linear-gradient(to left, transparent 0, rgba(0,0,0,.4) 7%, #000 20%); }
.hero-grid { grid-template-columns: minmax(0, 11fr) minmax(0, 13fr); }
.path { padding-bottom: clamp(36px, 4vw, 56px); }
.about { padding-top: clamp(64px, 7vw, 104px); }
.loans { background: linear-gradient(180deg, var(--paper) 0, var(--mist) 240px); }
.loans::before { -webkit-mask-image: linear-gradient(180deg, transparent 0, #000 260px), linear-gradient(90deg, transparent 0, #000 55%); -webkit-mask-composite: source-in; mask-image: linear-gradient(180deg, transparent 0, #000 260px), linear-gradient(90deg, transparent 0, #000 55%); mask-composite: intersect; }
.start-photo { border-radius: 50% 50% 0 0 / 120px 120px 0 0; }
.start { padding-bottom: clamp(48px, 5vw, 72px); }
@media (max-width: 760px) { .start-photo { border-radius: 50% 50% 0 0 / 44px 44px 0 0; } }
.path .path-line::before, .path .path-line::after { right: var(--pe-x, calc(10% + var(--pl))); }
@media (max-width: 1000px) { .path .path-line::before, .path .path-line::after { right: auto; bottom: var(--pe-y, 74px); } }
@media (max-width: 760px) {
  .about-grid { grid-template-columns: 1fr; }
  .door .credit { bottom: auto; top: 44px; }
}
.about::before { -webkit-mask-image: linear-gradient(180deg, transparent 0, #000 220px, #000 70%, transparent 100%), linear-gradient(100deg, #000 0%, rgba(0,0,0,.55) 45%, transparent 80%); -webkit-mask-composite: source-in; mask-image: linear-gradient(180deg, transparent 0, #000 220px, #000 70%, transparent 100%), linear-gradient(100deg, #000 0%, rgba(0,0,0,.55) 45%, transparent 80%); mask-composite: intersect; }
.intent::before { -webkit-mask-image: radial-gradient(ellipse at 70% 35%, #000 20%, transparent 70%); mask-image: radial-gradient(ellipse at 70% 35%, #000 20%, transparent 70%); }

/* =====================================================================
   V7 polish (final, design frozen after this)
   ===================================================================== */
:root { --bp: rgba(11, 42, 91, .038); --bp-strong: rgba(11, 42, 91, .13); }
/* textures sit behind empty space only, never behind text */
.intent::before, .about::before { mix-blend-mode: normal; }
.loans::before { -webkit-mask-image: linear-gradient(180deg, transparent 0, #000 260px), linear-gradient(90deg, transparent 0, transparent 55%, #000 85%); mask-image: linear-gradient(180deg, transparent 0, #000 260px), linear-gradient(90deg, transparent 0, transparent 55%, #000 85%); }
.contact::before { -webkit-mask-image: linear-gradient(90deg, transparent 0, transparent 52%, #000 100%); mask-image: linear-gradient(90deg, transparent 0, transparent 52%, #000 100%); opacity: .7; }
@media (max-width: 1000px) { .loans::before, .contact::before { display: none; } }
/* hero: keep both actions on one line on desktop */
.hero .cta-row { gap: 10px; }
@media (min-width: 1001px) { .hero .btn-lg { padding: 0 20px; } }
/* credits + disclaimers: readable, quiet */
.credit { font-size: 11px; color: rgba(255,255,255,.9); letter-spacing: .01em; }
.li-credit { margin: 10px 18px 0; font-size: 11.5px; color: var(--muted); }
.photo-credits, .li-credit { opacity: .9; }
.stage-style small { font-size: 12.5px; color: rgba(255,255,255,.9); }
/* consistent rhythm */
.intent-head, .calc-head { margin-bottom: clamp(28px, 3vw, 40px); }
.about-sub { margin-top: 24px; }
/* small phones: the loan list stays quick to scan */
@media (max-width: 400px) {
  .li-btn { grid-template-columns: 36px 1fr 20px; padding: 14px 0; }
  .li-name { font-size: 1.3rem; }
  .li-fam { font-size: 11px; letter-spacing: .08em; }
  .menu-item.active .li-detail { padding-left: 44px; }
}
/* phones: no drifting/parallax work while scrolling */
@media (max-width: 1000px) {
  .path-photo img, .start-photo img { will-change: auto; transform: none !important; }
  .about-cut, .door-img { will-change: auto; }
}
@media (min-width: 1001px) { .hero-grid { grid-template-columns: minmax(0, 12fr) minmax(0, 13fr); } }
@media (max-width: 640px) { .bs-nmls { display: none; } .doc ~ * .head-apply, .site-head .head-actions .btn-sm { padding: 0 14px; } }
@media (max-width: 400px) { .site-head .head-actions .btn-sm:not(.head-apply) { font-size: 14px; padding: 0 12px; } }

/* =====================================================================
   V7.1 · 80% lender trust + 20% One Aim
   Tone shifts (warm paper / pale blue), doorway + ground-line language,
   two strong type moments (hero, Oscar's promise); everything else quieter.
   ===================================================================== */
:root { --sky-paper: #EEF3F9; --ink-soft: #33415A; }

/* quieter base type */
body { color: var(--ink-soft); font-weight: 400; }
.nav a { font-weight: 400; color: var(--ink-soft); }
.lang-link { font-weight: 400; }
.brand-sub { font-weight: 400; }
.sec-intro, .hero-lead { font-weight: 300; color: var(--text); }
.hero-lead { font-size: clamp(1.08rem, 1.35vw, 1.24rem); line-height: 1.62; }
.kicker { font-weight: 500; letter-spacing: .14em; }

/* doorway in every section label: a tiny arch instead of a dash */
.kicker::before { width: 10px; height: 13px; background: none; border: 1.5px solid var(--orange); border-bottom: 0; border-radius: 999px 999px 0 0; transform: translateY(-1px); }
.path-photo .path-head .kicker::before { border-color: #FFB27A; }

/* section headings: lighter and calmer, so two moments can lead */
.h2, .h2-xl { font-weight: 500; }
.h2-xl { font-size: clamp(1.95rem, 3.1vw, 2.7rem); line-height: 1.1; }
.li-name { font-weight: 500; }
.about-sub, .form-title, .start-opt h3, .path-line h3 { font-weight: 500; }

/* moment 1: the hero headline, a touch larger and more open */
.hero-title { font-size: clamp(3rem, 5.7vw, 5.3rem); line-height: .98; }
/* moment 2: Oscar's promise, three weights like three steps through a door */
.promise-xl li { font-size: clamp(2.2rem, 4.1vw, 3.6rem); line-height: 1.04; }
.promise-xl li:nth-child(1) { font-weight: 600; }
.promise-xl li:nth-child(2) { font-weight: 300; }
.promise-xl li:nth-child(3) { font-weight: 500; }

/* tone shifts instead of endless white */
.calc { background: linear-gradient(180deg, var(--paper) 0, var(--sky-paper) 220px); }
.loans { background: var(--paper); }
.path { background: var(--sky-paper); }
.about { background: linear-gradient(180deg, var(--sky-paper) 0, var(--paper) 260px); }
.start { background: linear-gradient(180deg, var(--paper) 0, var(--sky-paper) 55%); }
.contact { background: var(--paper); }

/* faint drafting arches in the empty margins (never behind text) */
.intent-head, .calc-head, .contact-grid { position: relative; }
.intent-head::after, .calc-head::after, .contact-grid::after { content: ""; position: absolute; pointer-events: none; width: 190px; height: 250px; border: 1px solid var(--bp-strong); border-bottom: 0; border-radius: 999px 999px 0 0; }
.intent-head::after { right: -150px; top: -46px; }
.calc-head::after { left: -160px; top: -30px; border-style: dashed; }
.contact-grid::after { right: -150px; bottom: -30px; height: 300px; }
@media (max-width: 1360px) { .intent-head::after, .calc-head::after, .contact-grid::after { display: none; } }

/* more ground lines: the doorway language carries down the page */
.start-photo::after { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 2px; background: var(--navy); }
.li-list { border-top-width: 2px; }
.contact-list { border-bottom: 2px solid var(--navy); padding-bottom: 22px; }

/* photos break the grid slightly */
.intent-strip { width: min(100% - 2 * var(--gutter), 1520px); }
.about-figure::after { left: calc(-1 * (100vw - 100%)); right: -48px; }
@media (min-width: 1001px) { .li-photo { aspect-ratio: 4 / 5; margin-right: -24px; } }

/* the page closes on a doorway: the footer has an arched top */
.site-foot { border-radius: 50% 50% 0 0 / 70px 70px 0 0; margin-top: -1px; }
@media (max-width: 760px) { .site-foot { border-radius: 50% 50% 0 0 / 28px 28px 0 0; } }

/* orange stays rare: buttons, "Here.", the last promise line, small markers */
.intent-n { color: #FFC59B; }
.promise-xl li { font-size: clamp(2.1rem, 3.7vw, 3.25rem); }
.loans { background: linear-gradient(180deg, var(--sky-paper) 0, var(--paper) 200px); }
.contact { background: linear-gradient(180deg, var(--sky-paper) 0, var(--paper) 200px); }
.intent, .contact, .calc { overflow-x: hidden; overflow-x: clip; }

/* cleanup pass: tablets (761–1000px) use the approved phone arrangement for hero, goals and contact */
.trust-row { align-items: start; }
.hero-call a, .nav-phone { white-space: nowrap; }
@media (min-width: 761px) and (max-width: 1000px) {
  .hero-grid { display: flex; flex-direction: column; min-height: 0; gap: 0; }
  .threshold { order: -1; width: 100%; max-width: 600px; margin: 0 auto; height: min(62vh, 600px); min-height: 460px; }
  .door { left: 4%; width: 62%; top: 60px; }
  .threshold::before { left: calc(4% - 14px); width: calc(62% + 28px); top: 44px; }
  .keystone { top: 12px; left: 35%; width: 84px; }
  .hero-oscar { right: 0; width: 52%; max-height: 76%; }
  .guide { left: -2%; bottom: 28px; }
  .hero-copy { padding: 40px 0 56px; max-width: 640px; }
  .intent-strip { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; height: auto; }
  .intent-strip li { height: 420px; }
  .contact-grid { grid-template-columns: 1fr; }
  .contact-info { max-width: 640px; }
}

/* calculator ticks: placed at their real spot on the logarithmic slider (set by main.js) */
.ticks { position: relative; display: block; height: 18px; margin: 0 17px; }
.ticks span { position: absolute; top: 0; transform: translateX(-50%); white-space: nowrap; }
.ticks span:first-child { transform: translateX(-30%); }
.ticks span:last-child { transform: translateX(-70%); }
@media (max-width: 760px) {
  .ticks span:nth-child(n) { display: inline; }
  .ticks span:nth-child(2), .ticks span:nth-child(4) { display: none; }
}
/* new tier framing (condo, townhouse, family home) */
.stage-photos img[data-tier="1"] { object-position: 50% 50%; }
.stage-photos img[data-tier="2"] { object-position: 50% 62%; }
.stage-photos img[data-tier="3"] { object-position: 50% 22%; }

/* =====================================================================
   V9 · navigation: clear paths, dropdowns on desktop, grouped menu on phones
   ===================================================================== */
.head-row { gap: 18px; }
.nav .nav-list { display: flex; align-items: center; gap: 2px; }
.nav .nav-top { display: inline-flex; align-items: center; gap: 7px; padding: 10px 10px; border: 0; border-radius: 8px; background: none; cursor: pointer; font: 400 15px/1 var(--font); color: var(--ink-soft); text-decoration: none; white-space: nowrap; position: relative; transition: color .2s, background-color .2s; }
.nav .nav-top:hover, .nav .has-sub.open > .nav-top { color: var(--navy); background: rgba(11, 42, 91, .05); }
.nav .nav-top[aria-current="true"] { color: var(--navy); }
.nav .nav-top[aria-current="true"]::after { content: ""; position: absolute; left: 10px; right: 10px; bottom: 2px; height: 2px; border-radius: 2px; background: var(--orange); }
.caret { width: 6px; height: 6px; border-right: 1.5px solid currentColor; border-bottom: 1.5px solid currentColor; transform: translateY(-2px) rotate(45deg); transition: transform .2s var(--ease); opacity: .7; }
.has-sub.open .caret { transform: translateY(1px) rotate(-135deg); }
.has-sub { position: relative; }
.nav .sub { position: absolute; z-index: 60; top: calc(100% + 12px); left: -6px; min-width: 236px; padding: 8px; background: #fff; border: 1px solid var(--line); border-radius: 14px; box-shadow: 0 26px 50px -26px rgba(11, 42, 91, .4); opacity: 0; visibility: hidden; transform: translateY(6px); transition: opacity .18s var(--ease), transform .18s var(--ease), visibility .18s; }
.nav .sub::before { content: ""; position: absolute; left: 0; right: 0; top: -14px; height: 14px; }
.nav .sub::after { content: ""; position: absolute; top: -1px; left: 22px; width: 10px; height: 12px; border: 1.5px solid var(--orange); border-bottom: 0; border-radius: 999px 999px 0 0; transform: translateY(-100%); background: #fff; }
.nav .has-sub.open > .sub { opacity: 1; visibility: visible; transform: none; }
.nav .sub ul { display: grid; gap: 2px; }
.nav .sub a { display: block; padding: 10px 12px; border: 0; border-radius: 9px; font-size: 14.5px; font-weight: 400; color: var(--ink); text-decoration: none; white-space: nowrap; transition: background-color .15s, color .15s; }
.nav .sub a:hover, .nav .sub a:focus-visible { background: var(--mist); color: var(--navy); }
.nav .sub-loans { min-width: 420px; }
.nav .sub-loans ul { grid-template-columns: 1fr 1fr; }
.nav .sub .sub-all { margin-top: 6px; padding-top: 12px; border-top: 1px solid var(--line); border-radius: 0 0 9px 9px; font-weight: 500; color: var(--blue); }

/* phones and tablets: the menu opens as a clean grouped panel */
@media (max-width: 1180px) {
  :root { --head-h: 68px; }
  .menu-btn { display: inline-block; }
  .nav { position: fixed; inset: var(--head-h) 0 auto 0; z-index: 49; display: none; max-height: calc(100dvh - var(--head-h)); overflow: auto; padding: 4px var(--gutter) 24px; background: #fff; border-bottom: 1px solid var(--line); box-shadow: 0 24px 40px rgba(11, 42, 91, .12); }
  .nav.open { display: block; }
  .nav .nav-list { flex-direction: column; align-items: stretch; gap: 0; max-width: 640px; margin: 0 auto; }
  .nav .nav-list > li { border-bottom: 1px solid var(--line); }
  .nav .nav-top { width: 100%; justify-content: space-between; padding: 16px 2px; border-radius: 0; font-size: 1.08rem; font-weight: 500; color: var(--navy); }
  .nav .nav-top:hover, .nav .has-sub.open > .nav-top { background: none; }
  .nav .nav-top[aria-current="true"]::after { display: none; }
  .caret { width: 8px; height: 8px; }
  .nav .sub { position: static; display: none; min-width: 0; padding: 0 0 12px; border: 0; box-shadow: none; background: none; opacity: 1; visibility: visible; transform: none; transition: none; }
  .nav .sub::before, .nav .sub::after { display: none; }
  .nav .has-sub.open > .sub { display: block; }
  .nav .sub-loans ul { grid-template-columns: 1fr 1fr; }
  .nav .sub a, .nav li .sub a { padding: 10px 12px; border: 0; border-radius: 9px; font-size: 15.5px; font-weight: 400; color: var(--ink-soft); white-space: normal; background: var(--paper); margin: 0 0 4px; }
  .nav .sub .sub-all { background: none; border-top: 0; margin-top: 2px; padding-top: 6px; color: var(--blue); font-weight: 500; }
  .nav-extra { display: grid; gap: 14px; padding-top: 20px; max-width: 640px; margin: 0 auto; }
  .nav-phone { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; color: var(--navy); text-decoration: none; }
}
@media (max-width: 380px) { .nav .sub-loans ul { grid-template-columns: 1fr; } }
/* header fit for the fuller menu */
.site-head .wrap { max-width: 1360px; }
.nav .nav-top { padding: 10px 9px; }
.head-actions { gap: 14px; }
@media (min-width: 1181px) and (max-width: 1440px) { .site-head .brand-sub { display: none; } .nav .nav-top { padding: 10px 8px; font-size: 14.5px; } .head-row { gap: 12px; } }
@media (min-width: 1181px) and (max-width: 1260px) { .site-head .brand-logo { width: 48px; } .lang-link { font-size: 14px; } .head-actions { gap: 10px; } .head-actions .btn-sm { padding: 0 14px; font-size: 14.5px; } }
@media (min-width: 1361px) and (max-width: 1440px) { .site-head .brand-sub { display: block; } }
.nav .sub::after { display: none; }
.nav .nav-extra .btn-accent { color: #fff; }
@media (max-width: 1180px) {
  .nav .nav-top { padding: 16px 2px; font-size: 1.08rem; }
  .nav .nav-extra .btn { min-height: 52px; }
}

/* V10: send choice after the form is checked (email / WhatsApp), booking card */
.send-choice { display: flex; flex-wrap: wrap; gap: 10px; }
@media (max-width: 640px) { .send-choice .btn { flex: 1 1 100%; } }
.start-book .ic { color: var(--blue); }

/* V11 · Oscar's real closing photo + closing day videos */
.start-photo img.start-oscar { object-position: 50% 26%; }
@media (max-width: 760px) { .start-photo img.start-oscar { object-position: 50% 14%; } }
.closings { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 6fr); gap: clamp(32px, 5vw, 80px); align-items: center; margin-top: clamp(56px, 6vw, 88px); }
.closings-title { font-size: clamp(1.9rem, 3vw, 2.6rem); line-height: 1.1; font-weight: 500; color: var(--navy); letter-spacing: -.018em; }
.closings-lead { margin-top: 12px; color: var(--text); font-weight: 300; font-size: 1.05rem; max-width: 46ch; }
.closings-quote { margin: 26px 0 0; padding: 4px 0 4px 20px; border-left: 3px solid var(--orange-btn); }
.closings-quote p { font-size: 1.12rem; line-height: 1.55; color: var(--ink); }
.closings-quote footer { margin-top: 10px; font-size: 14px; font-weight: 600; color: var(--navy); }
.closings-quote footer span { font-weight: 400; color: var(--muted); }
.closings-media { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(14px, 2vw, 24px); align-items: end; position: relative; }
.closings-media::after { content: ""; position: absolute; left: -24px; right: -24px; bottom: 34px; height: 2px; background: var(--navy); pointer-events: none; }
.clip { margin: 0; }
.clip-frame { position: relative; aspect-ratio: 9 / 16; border-radius: 999px 999px 14px 14px; overflow: hidden; background: var(--navy-900); box-shadow: 0 26px 50px -30px rgba(11, 42, 91, .55); }
.clip-frame video { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.clip:nth-child(2) { transform: translateY(-36px); }
.clip figcaption { margin-top: 14px; height: 20px; font-size: 13px; color: var(--muted); text-align: center; }
@media (max-width: 1000px) { .closings { grid-template-columns: 1fr; } .closings-media { max-width: 560px; } }
@media (max-width: 560px) { .clip:nth-child(2) { transform: none; } .closings-media::after { left: -8px; right: -8px; } .clip figcaption { height: auto; min-height: 20px; } }
.start-photo img.start-oscar { object-position: 50% 39%; }
@media (max-width: 760px) { .start-photo img.start-oscar { object-position: 50% 14%; } }
.clip:nth-child(2) { transform: none; }

/* =====================================================================
   V13 · owner's edits: bigger hero picture, no credits, grouped loan options,
   nicer closing videos, framed closing photo, WhatsApp + socials, contact, footer
   ===================================================================== */
.ic-brand { width: 20px; height: 20px; flex: none; }
.btn-wa { background: #fff; border-color: #25D366; color: var(--navy); }
.btn-wa .ic-brand { color: #1EBE57; }
.btn-wa:hover { background: #F0FBF4; border-color: #1EBE57; }

/* 1 · hero: the picture side is half the screen, Oscar and the home much bigger */
.hero-panel { display: none; }
@media (min-width: 1001px) {
  .hero-panel { display: block; position: absolute; z-index: 0; top: 0; right: 0; bottom: 0; width: 50%;
    background-color: var(--sky-paper);
    background-image: linear-gradient(rgba(11,42,91,.045) 1px, transparent 1px), linear-gradient(90deg, rgba(11,42,91,.045) 1px, transparent 1px);
    background-size: 56px 56px; }
  .hero .hero-grid { max-width: none; margin: 0; padding-right: 0; padding-left: max(var(--gutter), calc((100vw - 1360px) / 2 + var(--gutter)));
    grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 0; min-height: clamp(700px, calc(100vh - var(--head-h)), 960px); }
  .hero-copy { padding: 56px clamp(28px, 4vw, 80px) 104px 0; max-width: 700px; }
  .hero-title { font-size: clamp(3.4rem, 5.6vw, 6.2rem); }
  .hero-lead { font-size: clamp(1.1rem, 1.3vw, 1.3rem); max-width: 34em; }
  .threshold { min-height: 0; }
  .door { left: 9%; width: 50%; top: 92px; }
  .threshold::before { left: calc(9% - 18px); width: calc(50% + 36px); top: 74px; }
  .threshold::after { left: calc(9% - 44px); width: calc(50% + 88px); top: 50px; }
  .bp-dim-v { left: calc(9% - 82px); top: 92px; }
  .keystone { left: 34%; top: 34px; width: clamp(96px, 7.5vw, 124px); }
  .hero-oscar { right: 0; width: 60%; max-height: 88%; -webkit-mask-image: none; mask-image: none; }
  .guide { left: 3%; bottom: 60px; }
}

/* 2 · no photo credits */
.credit, .photo-credits, .li-credit, .li-count { display: none !important; }

/* 3 · loan options: four groups, clean rows, one photo */
.li-tabs { display: flex; gap: 4px; width: fit-content; max-width: 100%; margin: 0 0 26px; padding: 6px; background: #fff; border: 1px solid var(--line); border-radius: 999px; box-shadow: 0 14px 34px -26px rgba(11,42,91,.45); }
.li-tab { display: inline-flex; align-items: center; gap: 8px; padding: 11px 18px; border: 0; border-radius: 999px; background: none; cursor: pointer; font: 500 15px/1 var(--font); color: var(--ink-soft); white-space: nowrap; transition: background-color .2s, color .2s; }
.li-tab:hover { background: var(--mist); color: var(--navy); }
.li-tab small { display: inline-grid; place-items: center; min-width: 22px; height: 22px; padding: 0 6px; border-radius: 999px; background: var(--mist); font-size: 12px; font-weight: 600; color: var(--muted); }
.li-tab[aria-selected="true"] { background: var(--navy); color: #fff; }
.li-tab[aria-selected="true"] small { background: rgba(255,255,255,.18); color: #fff; }
.li-list { border-top: 0; display: grid; gap: 10px; align-content: start; }
.li-list .menu-item { padding: 0 22px; background: #fff; border: 1px solid var(--line); border-radius: 16px; transition: border-color .2s, box-shadow .25s, opacity .3s; }
.li-list .menu-item:hover { border-color: #C9D4E3; }
.li-list .menu-item.active { border-color: var(--navy); box-shadow: 0 18px 40px -28px rgba(11,42,91,.55); }
.li-fam { display: none; }
.li-btn { grid-template-columns: 44px 1fr 24px; padding: 20px 0; }
.li-btn::before { grid-row: auto; }
.li-name { font-size: clamp(1.25rem, 1.9vw, 1.6rem); font-weight: 500; }
.menu-item.active .li-name { color: var(--navy); }
.li-btn:hover .li-name { transform: none; }
@media (min-width: 1001px) { .loan-index { grid-template-columns: minmax(0, 6fr) minmax(0, 5fr); align-items: start; } }
.li-panel-copy { border-top-width: 3px; }
.loans-unsure { margin-top: 26px; }
@media (max-width: 1000px) {
  .li-tabs { flex-wrap: nowrap; overflow-x: auto; width: 100%; border-radius: 16px; scrollbar-width: none; }
  .li-tabs::-webkit-scrollbar { display: none; }
  .li-list .menu-item { padding: 0 16px; }
  .menu-item.active .li-detail { padding: 0 0 18px 44px; }
}
@media (max-width: 480px) { .li-tab { padding: 10px 14px; font-size: 14px; } .li-btn { grid-template-columns: 36px 1fr 20px; } .menu-item.active .li-detail { padding-left: 36px; } }

/* 4 · closing videos: one main video, the reel overlapping it, custom controls */
.closings-media { display: flex; align-items: flex-end; gap: 0; padding-bottom: 48px; }
.closings-media::after { bottom: 48px; }
.clip { margin: 0; position: relative; }
.clip-main { width: 60%; z-index: 1; }
.clip-reel { width: 44%; margin: 0 0 -48px -6%; z-index: 2; }
.clip-reel .clip-frame { border: 6px solid var(--paper); border-bottom-width: 6px; box-shadow: 0 30px 60px -28px rgba(11,42,91,.6); }
.clip figcaption { display: none; }
.clip-frame video { cursor: pointer; }
.clip-play { position: absolute; left: 50%; top: 52%; z-index: 2; width: 78px; height: 78px; display: grid; place-items: center; border: 0; border-radius: 50%; background: rgba(255,255,255,.94); color: var(--navy); cursor: pointer; transform: translate(-50%, -50%); box-shadow: 0 18px 40px -16px rgba(7,29,64,.6); transition: opacity .25s, transform .25s var(--ease), background-color .2s; }
.clip-play svg { width: 30px; height: 30px; margin-left: 4px; }
.clip-play:hover { background: #fff; transform: translate(-50%, -50%) scale(1.06); }
.clip-reel .clip-play { width: 58px; height: 58px; }
.clip-reel .clip-play svg { width: 24px; height: 24px; }
.playing .clip-play { opacity: 0; pointer-events: none; transform: translate(-50%, -50%) scale(.85); }
.clip-sound { position: absolute; right: 14px; bottom: 20px; z-index: 2; width: 40px; height: 40px; display: grid; place-items: center; border: 0; border-radius: 50%; background: rgba(7,29,64,.62); color: #fff; cursor: pointer; }
.clip-sound svg { width: 20px; height: 20px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.clip-bar { position: absolute; left: 18px; right: 18px; bottom: 10px; z-index: 2; height: 3px; border-radius: 3px; overflow: hidden; background: rgba(255,255,255,.28); opacity: 0; transition: opacity .3s; }
.playing .clip-bar { opacity: 1; }
.clip-bar i { display: block; height: 100%; background: var(--orange); transform-origin: 0 50%; transform: scaleX(0); }
.closings-quote p { font-size: 1.16rem; }
@media (max-width: 560px) {
  .clip-main { width: 62%; } .clip-reel { width: 50%; margin-left: -12%; }
  .clip-play { width: 62px; height: 62px; } .clip-play svg { width: 24px; height: 24px; }
  .clip-reel .clip-play { width: 48px; height: 48px; }
}

/* 5 · Oscar with a client: framed at a size the photo can show sharply */
.start { padding: clamp(72px, 8vw, 120px) 0; }
.start-grid { display: grid; grid-template-columns: minmax(0, 5fr) minmax(0, 7fr); gap: clamp(32px, 5vw, 88px); align-items: center; }
.start-figure { position: relative; margin: 0; width: 100%; max-width: 460px; justify-self: center; }
.start-figure::after { content: ""; position: absolute; left: -40px; right: -40px; bottom: 0; height: 2px; background: var(--navy); }
.start-arch { aspect-ratio: 3 / 4.1; overflow: hidden; border-radius: 999px 999px 0 0; box-shadow: 0 34px 70px -40px rgba(11,42,91,.55); }
.start-arch img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 32%; }
.start .start-card { max-width: none; width: 100%; margin: 0; }
@media (max-width: 1000px) { .start-grid { grid-template-columns: 1fr; } .start-figure { max-width: 380px; } }
@media (max-width: 760px) { .start-figure { max-width: 320px; } .start-figure::after { left: -24px; right: -24px; } .start .start-card { margin: 0; } }

/* 6 + 7 · contact: real icons, rows you can tap, calmer form */
.contact-list { display: grid; gap: 10px; margin: 26px 0 22px; padding: 0; border: 0; }
.contact-list li { display: block; }
.c-row { display: flex; align-items: center; gap: 16px; padding: 13px 16px; background: #fff; border: 1px solid var(--line); border-radius: 14px; text-decoration: none; transition: border-color .2s, box-shadow .25s, transform .25s var(--ease); }
.contact-list a.c-row:hover { text-decoration: none; border-color: #C9D4E3; box-shadow: 0 16px 34px -26px rgba(11,42,91,.5); transform: translateY(-1px); }
.c-badge { width: 46px; height: 46px; flex: none; display: grid; place-items: center; border-radius: 12px; color: #fff; }
.contact-list .c-badge .ic { width: 22px; height: 22px; padding: 0; border-radius: 0; background: none; color: #fff; stroke-width: 1.9; }
.c-badge .ic-brand { width: 24px; height: 24px; color: #fff; }
.c-phone { background: var(--navy); }
.c-mail { background: var(--blue); }
.c-pin { background: #44506A; }
.c-wa { background: #25D366; }
.c-ig { background: radial-gradient(circle at 30% 107%, #FDF497 0%, #FDF497 5%, #FD5949 45%, #D6249F 60%, #285AEB 90%); }
.c-text { display: grid; gap: 3px; min-width: 0; }
.c-text .k { font-size: 11.5px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.c-text b { font-size: 16px; font-weight: 600; color: var(--navy); overflow-wrap: anywhere; }
.c-go { width: 18px; height: 18px; flex: none; margin-left: auto; fill: none; stroke: var(--muted); stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; transition: transform .2s, stroke .2s; }
.c-row:hover .c-go { transform: translateX(3px); stroke: var(--navy); }
.contact-actions { display: flex; flex-wrap: wrap; gap: 10px; }
.contact-form { border-radius: 20px; padding: clamp(24px, 3vw, 40px); gap: 18px; }
.form-title { font-size: clamp(1.4rem, 2vw, 1.7rem); font-weight: 500; letter-spacing: -.01em; }
.contact-form .field label, .contact-form .field > label span { font-size: 13.5px; font-weight: 600; color: var(--ink); }
.contact-form input:not([type=checkbox]), .contact-form select, .contact-form textarea { min-height: 52px; padding: 13px 15px; border: 1.5px solid #DCE3EC; border-radius: 12px; background: #FBFCFE; font-size: 16px; transition: border-color .2s, box-shadow .2s, background-color .2s; }
.contact-form input:focus, .contact-form select:focus, .contact-form textarea:focus { background: #fff; }
.contact-form .btn-block { min-height: 56px; border-radius: 12px; font-size: 16.5px; }
@media (max-width: 640px) { .contact-actions .btn { flex: 1 1 100%; } .c-row { padding: 12px 14px; gap: 14px; } .c-badge { width: 42px; height: 42px; } }

/* 8 · footer */
.foot-grid { grid-template-columns: minmax(0, 1.6fr) minmax(0, 1fr) minmax(0, 1.3fr); gap: 48px; padding-top: clamp(64px, 7vw, 92px); }
.foot-brand { align-items: flex-start; }
.foot-brand img { width: 112px; }
.foot-team { color: #C3D0E4; font-size: 15px; }
.foot-brand .foot-motto { margin-top: 10px; max-width: 30ch; }
.socials { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 18px; }
.soc { width: 40px; height: 40px; display: grid; place-items: center; border-radius: 50%; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16); color: #fff; transition: background-color .2s, color .2s, transform .2s; }
.soc svg { width: 18px; height: 18px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.soc:hover { background: #fff; color: var(--navy); transform: translateY(-2px); }
.soc-wa:hover { color: #1EBE57; }
.soc-ig:hover { color: #D6249F; }
.foot-h { margin-bottom: 4px; font-size: 12px; font-weight: 600; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); }
.foot-col { display: grid; gap: 12px; align-content: start; font-size: 15px; }
.foot-col a, .foot-col span { display: inline-flex; align-items: flex-start; gap: 10px; color: #E3EAF5; font-weight: 500; text-decoration: none; }
.foot-col a:hover { color: #fff; text-decoration: underline; text-underline-offset: 4px; }
.foot-col .ic { width: 18px; height: 18px; color: #9FB0CB; margin-top: 2px; }
.foot-col .ic-brand { width: 18px; height: 18px; color: #9FB0CB; margin-top: 2px; }
.legal { margin-top: 48px; }
@media (max-width: 1000px) { .foot-grid { grid-template-columns: 1fr 1fr; } .foot-brand { grid-column: 1 / -1; } }
@media (max-width: 640px) { .foot-grid { grid-template-columns: 1fr; gap: 36px; } }

/* socials in the phone menu */
.nav .socials-nav { margin-top: 2px; }
.nav .soc { padding: 0; border: 1px solid var(--line); background: var(--mist); color: var(--navy); }
.nav .soc:hover { background: #fff; }
.contact-form .field.check label { font-weight: 400; font-size: 13.5px; color: var(--muted); }
.contact-actions .btn { flex: 1 1 auto; padding: 0 18px; }

@media (max-width: 640px) { .c-go { display: none; } .c-text b { font-size: 15px; overflow-wrap: normal; word-break: normal; } }
@media (max-width: 360px) { .c-text b { font-size: 14px; } }
@media (max-width: 1000px) { .li-tabs { -webkit-mask-image: linear-gradient(90deg, #000 88%, transparent); mask-image: linear-gradient(90deg, #000 88%, transparent); } }

/* hero v2: two doorways on one ground line — the home, and Oscar in his own arched frame (no cut-out edges) */
.hero-portrait { position: absolute; z-index: 2; bottom: 0; overflow: hidden; border-radius: 999px 999px 0 0; border: 8px solid #fff; border-bottom: 0; background: #F4F1F2; box-shadow: 0 34px 70px -34px rgba(11, 42, 91, .55); }
.hero-portrait picture, .hero-portrait img { display: block; width: 100%; height: 100%; }
.hero-portrait img { object-fit: cover; object-position: 66% 8%; }
.door { left: 6%; width: 52%; top: 84px; }
.threshold::before { left: calc(6% - 18px); width: calc(52% + 36px); top: 66px; }
.threshold::after { left: calc(6% - 44px); width: calc(52% + 88px); top: 42px; }
.bp-dim-v { left: calc(6% - 80px); top: 84px; }
.keystone { left: 32%; }
.hero-portrait { right: 6%; width: 44%; top: 30%; }
.guide { left: 0; bottom: 52px; }
@media (min-width: 1001px) {
  .door { left: 6%; width: 50%; top: 92px; }
  .threshold::before { left: calc(6% - 18px); width: calc(50% + 36px); top: 74px; }
  .threshold::after { left: calc(6% - 44px); width: calc(50% + 88px); top: 50px; }
  .bp-dim-v { left: calc(6% - 80px); top: 92px; }
  .keystone { left: 31%; }
  .hero-portrait { right: 8%; width: 42%; top: 27%; max-width: 480px; }
  .guide { left: 1%; bottom: 60px; }
}
@media (max-width: 1000px) {
  .door { left: 4%; width: 56%; top: 60px; }
  .threshold::before { left: calc(4% - 14px); width: calc(56% + 28px); top: 44px; }
  .keystone { left: 32%; }
  .hero-portrait { right: 4%; width: 46%; top: 32%; border-width: 6px; }
  .guide { left: 0; bottom: 24px; }
}
@media (max-width: 760px) {
  .door { left: 2%; width: 58%; top: 52px; }
  .threshold::before { left: calc(2% - 10px); width: calc(58% + 20px); top: 38px; }
  .keystone { left: 31%; }
  .hero-portrait { right: 0; width: 50%; top: 30%; border-width: 5px; }
  .guide { bottom: 18px; }
}
.hero-portrait { background: var(--sky); }
.hero-portrait img { object-position: 50% 55%; }

/* hero v3: one photo fills the whole right half, edge to edge */
.threshold::before, .threshold::after { display: none; }
.hero-portrait { inset: 0; top: 0; right: 0; width: auto; max-width: none; border: 0; border-radius: 0; box-shadow: none; }
.hero-portrait img { object-position: 50% 58%; }
.guide { left: 32px; bottom: 36px; }
@media (min-width: 1001px) { .hero-portrait { inset: 0; top: 0; right: 0; width: auto; max-width: none; } .guide { left: 40px; bottom: 44px; } }
@media (max-width: 1000px) {
  .threshold { width: auto; max-width: none; margin: 0 calc(-1 * var(--gutter)); height: min(62vh, 560px); min-height: 360px; }
  .hero-portrait { inset: 0; top: 0; right: 0; width: auto; border: 0; }
  .guide { left: var(--gutter); bottom: 20px; }
}
@media (min-width: 1001px) {
  .hero .hero-grid { grid-template-columns: minmax(0, calc(50vw - max(var(--gutter), calc((100vw - 1360px) / 2 + var(--gutter))))) minmax(0, 1fr); }
  .hero .threshold { position: static; }
  .hero-portrait { position: absolute; inset: 0 0 0 50%; z-index: 1; }
  .hero .guide { left: calc(50% + 40px); z-index: 3; }
  .hero-panel { display: none; }
}
.clip-main .clip-sound { right: auto; left: 16px; bottom: 22px; width: auto; height: 40px; padding: 0 14px 0 11px; gap: 8px; display: inline-flex; align-items: center; border-radius: 999px; font: 600 13px/1 var(--font); }
.clip-main .clip-sound[hidden] { display: none; }
.clip-main .clip-bar { right: 46%; }

/* next-step options: one clear main action, two colour-coded alternatives */
.start-options { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 24px; }
.start-opt { position: relative; display: flex; flex-direction: column; padding: 22px 22px 22px; border-radius: 18px; border: 1px solid var(--line); }
.start-opt .opt-actions { margin-top: auto; padding-top: 16px; }
.start-opt h3 { font-size: 1.16rem; font-weight: 600; }
.start-opt p { font-size: 14.5px; line-height: 1.55; }
.opt-ic { width: 44px; height: 44px; display: grid; place-items: center; margin-bottom: 14px; border-radius: 12px; }
.opt-ic .ic { width: 22px; height: 22px; stroke-width: 1.9; }

.start-main { grid-column: 1 / -1; border: 0; border-left: 0; background: var(--navy); color: #fff; box-shadow: 0 24px 50px -30px rgba(7, 29, 64, .7); overflow: hidden; }
.start-main::after { content: ""; position: absolute; right: -40px; top: -30px; width: 190px; height: 250px; border: 1px solid rgba(255, 255, 255, .12); border-bottom: 0; border-radius: 999px 999px 0 0; pointer-events: none; }
.start-main .opt-ic { background: var(--orange-btn); color: #fff; }
.start-main h3 { color: #fff; font-size: 1.32rem; }
.start-main p { color: rgba(255, 255, 255, .78); max-width: 52ch; }
.start-main .btn-outline { background: transparent; border-color: rgba(255, 255, 255, .45); color: #fff; }
.start-main .btn-outline:hover { border-color: #fff; background: rgba(255, 255, 255, .08); }

.start-book { background: #FFF5EC; border-color: #F3DCC6; }
.start-book .opt-ic { background: #FBE3CF; color: var(--orange-btn); }
.start-book .btn-outline { background: #fff; }

.start-ask { background: #EAF2FC; border-color: #CFDDF1; }
.start-ask .opt-ic { background: #D3E3F7; color: var(--blue); }
.start-ask .btn-outline { background: #fff; }

.start-book .opt-actions, .start-ask .opt-actions { flex-direction: column; align-items: stretch; }
.start-book .opt-actions .btn, .start-ask .opt-actions .btn { width: 100%; }
@media (max-width: 640px) { .start-options { grid-template-columns: 1fr; } .start-main .opt-actions .btn { flex: 1 1 100%; } }
.start-book .opt-actions .btn, .start-ask .opt-actions .btn { flex: none; }
.start-main::after { right: -120px; top: -70px; }
.start-main p { font-weight: 400; }
.start-main::after { display: none; }
.start-grid > *, .start-options > *, .start-opt { min-width: 0; }
@media (min-width: 1001px) and (max-width: 1180px) { .start-grid { grid-template-columns: minmax(0, 4fr) minmax(0, 7fr); gap: 36px; } }

/* compliance pieces */
.pay-note { margin-top: 8px; font-size: 12.5px; line-height: 1.45; color: var(--muted); }
.foot-capstone { margin-top: 2px; font-size: 13.5px; color: #9FB0CB; }
.legal-links a span { text-decoration: inherit; }

/* =====================================================================
   V15 · phones only (≤760px): clear, guided structure. Desktop unchanged.
   Who Oscar is → how he helps → calculator → paths + loans → process →
   why trust him → apply / contact
   ===================================================================== */
.m-only, .m-choices { display: none; }
.m-more { display: none; }

@media (max-width: 760px) {
  .m-only { display: block; }
  .d-only { display: none; }
  .m-more { display: inline-flex; }

  /* one logical order, top to bottom */
  main { display: flex; flex-direction: column; }
  .hero { order: 1; } .m-choices { order: 2; } .calc { order: 3; } .intent { order: 4; } .loans { order: 5; }
  .path { order: 6; } .about { order: 7; } .trust { order: 8; } .start { order: 9; } .contact { order: 10; }

  /* 1 · top of page: words first, one button, a modest photo */
  .hero-grid { display: flex; flex-direction: column; }
  .hero-copy { order: 1; padding: 28px 0 22px; }
  .hero .threshold { order: 2; height: 230px; min-height: 0; margin: 0 0 28px; border-radius: 120px 120px 18px 18px; overflow: hidden; box-shadow: 0 24px 46px -30px rgba(11, 42, 91, .6); }
  .hero .ground { display: none; }
  .hero .guide { display: none; }
  .hero-portrait img { object-position: 50% 60%; }
  .kicker { font-size: 12px; letter-spacing: .12em; margin-bottom: 10px; }
  .hero-title { font-size: clamp(2.5rem, 12vw, 3rem); }
  .hero-lead { margin-top: 12px; font-size: 1.05rem; line-height: 1.55; }
  .hero .cta-row { margin-top: 20px; }
  .hero .cta-row .btn-outline, .hero-call { display: none; }
  .hero .cta-row .btn-accent { width: 100%; min-height: 54px; }

  /* 2 · guided choices */
  .m-choices { display: block; position: relative; padding: 4px 0 40px; background: var(--paper); }
  .mc-title { font-size: 1.45rem; font-weight: 600; color: var(--navy); letter-spacing: -.01em; margin-bottom: 14px; }
  .mc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
  .mc-tile { display: grid; align-content: start; gap: 4px; min-height: 112px; padding: 14px 14px 16px; background: #fff; border: 1px solid var(--line); border-radius: 16px; text-decoration: none; box-shadow: 0 14px 30px -26px rgba(11, 42, 91, .5); transition: border-color .2s, transform .2s; }
  .mc-tile:active { transform: scale(.98); }
  .mc-tile b { font-size: 15.5px; font-weight: 600; color: var(--navy); line-height: 1.25; }
  .mc-tile small { font-size: 12.5px; line-height: 1.35; color: var(--muted); }
  .mc-ic { width: 38px; height: 38px; display: grid; place-items: center; margin-bottom: 6px; border-radius: 11px; }
  .mc-ic .ic { width: 20px; height: 20px; stroke-width: 1.9; }
  .mc-ic-a { background: #E3ECF8; color: var(--navy); }
  .mc-ic-b { background: #FBE3CF; color: var(--orange-btn); }
  .mc-ic-c { background: #E6F1EA; color: #2E6B47; }
  .mc-apply { background: var(--navy); border-color: var(--navy); }
  .mc-apply b { color: #fff; }
  .mc-apply small { color: rgba(255, 255, 255, .75); }
  .mc-apply .mc-ic { background: var(--orange-btn); color: #fff; }

  /* 3 · calculator stays the signature; shorter lead-in */
  .calc { padding-top: 40px; }
  .calc-head { margin-bottom: 20px; }

  /* 4 · buying paths: one swipeable row instead of a tall grid */
  .intent { padding-top: 48px; }
  .intent-head { margin-bottom: 16px; }
  .intent-strip { display: flex; grid-template-columns: none; gap: 10px; height: auto; overflow-x: auto; scroll-snap-type: x mandatory; padding: 0 var(--gutter) 6px; margin: 0; width: 100%; border-bottom: 0; scrollbar-width: none; }
  .intent-strip::-webkit-scrollbar { display: none; }
  .intent-strip li { flex: 0 0 64%; height: 300px; scroll-snap-align: start; }
  .intent-copy > span:not(.intent-n) { display: none; }

  /* 5 · loans: tighter */
  .loans { padding-top: 48px; padding-bottom: 48px; }
  .loans-head { margin-bottom: 18px; }
  .li-btn { padding: 15px 0; }

  /* 6 · process: shorter photo, then the steps */
  .path-photo { height: 380px; }
  .path-photo .path-head { top: 28px; }
  .path-card { margin-top: -70px; }
  .closings { margin-top: 40px; }

  /* 7 · why trust Oscar: shorter text first, details on request */
  .about { padding: 56px 0 40px; }
  .about-figure { max-width: 260px; }
  .promise-xl li { font-size: clamp(1.7rem, 8vw, 2.1rem); }
  .about-more { display: none; }
  .about-copy.more-open .about-more { display: block; }
  .m-more { margin-top: 12px; padding: 0; border: 0; background: none; font: 600 15px var(--font); color: var(--blue); text-decoration: underline; text-underline-offset: 4px; cursor: pointer; }
  .trust { border-top: 1px solid var(--line); }
  .trust-row { padding: 18px 0; }

  /* 8 · apply / contact */
  .start { padding: 48px 0; }
  .start-figure { max-width: 240px; }
  .contact { padding-top: 48px; }
}
@media (max-width: 760px) {
  .hero .hero-grid { min-height: 0; }
  .intent ul.intent-strip > li { flex: 0 0 64%; width: auto; height: 300px; min-height: 300px; }
}
@media (max-width: 760px) { .intent .intent-col { height: 100%; } }
@media (max-width: 760px) {
  .intent ul.intent-strip { flex-direction: row; }
  .intent ul.intent-strip > li > .intent-col { display: block; height: 300px; }
}
@media (max-width: 760px) { .intent ul.intent-strip { padding: 0 16px 6px; scroll-padding-left: 16px; } }

/* =====================================================================
   V16 · loan program pages + "See full details" links
   ===================================================================== */
.li-more { display: inline-flex; align-items: center; gap: 6px; margin: 12px 18px 0 0; padding: 10px 16px; border-radius: 10px; background: var(--navy); color: #fff; font-size: 14.5px; font-weight: 600; text-decoration: none; }
.li-more svg { width: 15px; height: 15px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.li-more:hover { background: var(--blue-ink); }
.li-panel-copy .li-more { margin-top: 14px; }
@media (min-width: 1001px) { .li-btn { cursor: pointer; } .li-list .menu-item:hover .li-name { color: var(--blue); } }

.btn-ghost { background: transparent; border-color: rgba(255,255,255,.45); color: #fff; }
.btn-ghost:hover { border-color: #fff; background: rgba(255,255,255,.08); }

.loan-page main { background: var(--paper); }
.lp-hero { position: relative; overflow: hidden; padding: clamp(36px, 5vw, 72px) 0 clamp(40px, 5vw, 72px); background: linear-gradient(180deg, var(--paper) 0, var(--sky-paper) 100%); }
.lp-hero::before { content: ""; position: absolute; inset: 0; pointer-events: none; background-image: linear-gradient(var(--bp) 1px, transparent 1px), linear-gradient(90deg, var(--bp) 1px, transparent 1px); background-size: 56px 56px; -webkit-mask-image: linear-gradient(90deg, transparent 30%, #000 80%); mask-image: linear-gradient(90deg, transparent 30%, #000 80%); }
.lp-hero-grid { position: relative; display: grid; grid-template-columns: minmax(0, 6fr) minmax(0, 5fr); gap: clamp(32px, 5vw, 80px); align-items: center; }
.lp-back { display: inline-flex; gap: 8px; margin-bottom: 22px; font-size: 14.5px; font-weight: 600; color: var(--blue); text-decoration: none; }
.lp-back:hover { text-decoration: underline; }
.lp-title { font-size: clamp(2.3rem, 4.6vw, 3.9rem); line-height: 1.04; font-weight: 600; letter-spacing: -.02em; color: var(--navy); }
.lp-lead { margin-top: 16px; max-width: 40ch; font-size: clamp(1.08rem, 1.4vw, 1.25rem); line-height: 1.6; color: var(--text); font-weight: 300; }
.lp-photo { position: relative; margin: 0; max-width: 460px; width: 100%; justify-self: center; }
.lp-photo::after { content: ""; position: absolute; left: -36px; right: -36px; bottom: 0; height: 2px; background: var(--navy); }
.lp-photo picture, .lp-photo img { display: block; width: 100%; aspect-ratio: 4 / 4.8; object-fit: cover; border-radius: 999px 999px 0 0; }
.lp-photo img { box-shadow: 0 30px 60px -36px rgba(11, 42, 91, .55); }

.lp-body { padding: clamp(48px, 6vw, 88px) 0; }
.lp-grid { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: clamp(32px, 5vw, 80px); align-items: start; }
.lp-h { font-size: clamp(1.35rem, 2vw, 1.7rem); font-weight: 600; color: var(--navy); letter-spacing: -.01em; margin: 0 0 14px; }
.lp-main .lp-h:not(:first-child) { margin-top: 40px; }
.lp-text { font-size: 1.08rem; line-height: 1.7; color: var(--ink-soft); max-width: 62ch; }
.lp-fit { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.lp-fit li { display: flex; gap: 12px; align-items: flex-start; padding: 16px; background: #fff; border: 1px solid var(--line); border-radius: 14px; font-size: 15.5px; line-height: 1.45; color: var(--ink); }
.lp-fit .ic { width: 22px; height: 22px; color: #1E8B57; flex: none; }
.lp-know { display: grid; gap: 10px; }
.lp-know li { position: relative; padding: 14px 16px 14px 44px; background: #FFF5EC; border-radius: 12px; font-size: 15.5px; line-height: 1.5; color: var(--ink); }
.lp-know li::before { content: ""; position: absolute; left: 18px; top: 19px; width: 10px; height: 13px; border: 1.8px solid var(--orange-btn); border-bottom: 0; border-radius: 999px 999px 0 0; }
.lp-side { position: sticky; top: calc(var(--head-h) + 24px); padding: 26px; background: #fff; border: 1px solid var(--line); border-radius: 20px; box-shadow: 0 24px 50px -36px rgba(11, 42, 91, .45); }
.lp-steps { display: grid; gap: 18px; counter-reset: s; }
.lp-steps li { display: grid; grid-template-columns: 40px 1fr; column-gap: 14px; }
.lp-steps .lp-n { grid-row: span 2; width: 40px; height: 40px; display: grid; place-items: center; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 700; }
.lp-steps li:last-child .lp-n { background: var(--orange-btn); }
.lp-steps b { font-size: 1.05rem; color: var(--navy); margin-top: 2px; }
.lp-steps span:not(.lp-n) { font-size: 14.5px; line-height: 1.5; color: var(--muted); }

.lp-cta { background: var(--navy); color: #fff; padding: clamp(40px, 5vw, 64px) 0; position: relative; overflow: hidden; }
.lp-cta::after { content: ""; position: absolute; right: 6%; bottom: -60px; width: 220px; height: 260px; border: 1px solid rgba(255,255,255,.12); border-bottom: 0; border-radius: 999px 999px 0 0; }
.lp-cta-in { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 24px 48px; align-items: center; }
.lp-cta h2 { font-size: clamp(1.5rem, 2.6vw, 2.2rem); font-weight: 600; line-height: 1.15; }
.lp-cta p { margin-top: 8px; color: rgba(255,255,255,.78); }
.lp-cta-btns { display: flex; flex-wrap: wrap; gap: 10px; }

.lp-related { padding: clamp(48px, 6vw, 80px) 0 clamp(56px, 6vw, 88px); }
.lp-rel-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 14px; }
.lp-rel { display: grid; gap: 6px; align-content: start; padding: 20px; background: #fff; border: 1px solid var(--line); border-radius: 16px; text-decoration: none; transition: border-color .2s, box-shadow .25s, transform .25s var(--ease); }
.lp-rel:hover { border-color: #C9D4E3; box-shadow: 0 18px 36px -26px rgba(11,42,91,.5); transform: translateY(-2px); }
.lp-rel small { font-size: 11.5px; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; color: var(--orange-btn); }
.lp-rel b { font-size: 1.15rem; color: var(--navy); }
.lp-rel span { font-size: 14.5px; line-height: 1.5; color: var(--muted); }
.lp-rel em { margin-top: 6px; display: inline-flex; align-items: center; gap: 6px; font-style: normal; font-weight: 600; font-size: 14.5px; color: var(--blue); }
.lp-rel em svg { width: 15px; height: 15px; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.lp-fine { margin-top: 26px; max-width: 110ch; }

@media (max-width: 1000px) {
  .lp-hero-grid, .lp-grid { grid-template-columns: 1fr; }
  .lp-photo { max-width: 360px; }
  .lp-side { position: static; }
  .lp-cta-in { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  .lp-hero { padding-top: 22px; }
  .lp-hero-grid { gap: 24px; }
  .lp-photo { order: -1; max-width: none; }
  .lp-photo picture, .lp-photo img { aspect-ratio: 16 / 10; border-radius: 120px 120px 16px 16px; }
  .lp-photo::after { display: none; }
  .lp-back { margin-bottom: 14px; }
  .lp-title { font-size: clamp(2rem, 9vw, 2.5rem); }
  .lp-hero .cta-row .btn { flex: 1 1 100%; }
  .lp-fit { grid-template-columns: 1fr; }
  .lp-cta-btns .btn { flex: 1 1 100%; }
}
/* phones: comfortable tap targets (44px) */
@media (max-width: 1000px) {
  .lang-link { min-height: 44px; padding: 0 8px; display: inline-flex; align-items: center; }
  .menu-ask, .m-more, .li-more { min-height: 44px; display: inline-flex; align-items: center; }
  .loans-unsure a, .lp-back { display: inline-flex; align-items: center; min-height: 44px; }
}

/* V17 */
/* 3 · beige behind the hero text, so it stands apart from the header and the credentials bar */
.hero { background: var(--paper); }
@media (max-width: 760px) { .m-choices { background: var(--paper); } }
/* 6 · VA funding fee note */
.facts .va-note { grid-column: 1 / -1; }
.facts .va-note dd { font-size: 12px; font-weight: 400; line-height: 1.5; color: var(--muted); font-variant-numeric: normal; }
/* 14 · team */
.team { margin-top: 22px; }
.team-h { font-size: 12px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--orange-btn); margin-bottom: 10px; }
.team-list { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.team-card { display: flex; align-items: center; gap: 14px; padding: 12px 14px; background: #fff; border: 1px solid var(--line); border-radius: 16px; }
.team-card img { width: 64px; height: 64px; flex: none; border-radius: 50%; object-fit: cover; box-shadow: 0 0 0 3px #fff, 0 0 0 4px var(--line); }
.team-card span { display: grid; gap: 1px; min-width: 0; }
.team-card b { font-size: 15.5px; color: var(--navy); line-height: 1.25; }
.team-card small { font-size: 12.5px; color: var(--muted); line-height: 1.35; }
@media (max-width: 560px) { .team-list { grid-template-columns: 1fr; } }
.hero-portrait img { object-position: 50% 62%; }
@media (max-width: 760px) { .hero-portrait img { object-position: 50% 60%; } }
.hero-portrait img { object-position: 45% 60%; }
@media (max-width: 760px) { .hero-portrait img { object-position: 40% 62%; } }
/* hero photo column: narrower on computers so the tall house photo shows roof to door */
@media (min-width: 1001px) {
  .hero .hero-grid { grid-template-columns: minmax(0, calc(58vw - max(var(--gutter), calc((100vw - 1360px) / 2 + var(--gutter))))) minmax(0, 1fr); }
  .hero-portrait { inset: 0 0 0 58%; }
  .hero .guide { left: calc(58% + 32px); }
  .hero-portrait img { object-position: 50% 64%; }
}

/* reviews band (Testimonial Tree + Google), real numbers from config.js only */
.reviews { background: var(--navy); color: #fff; }
.rv-row { display: flex; align-items: stretch; gap: 0; padding-top: 22px; padding-bottom: 22px; }
.rv-cell { flex: 1; display: flex; align-items: center; gap: 18px; padding: 6px 24px; color: #fff; text-decoration: none; border-radius: 14px; transition: background-color .2s; }
.rv-cell:hover { background: rgba(255,255,255,.06); }
.rv-cell:first-child { padding-left: 0; }
.rv-num { font-size: clamp(2.6rem, 4.4vw, 3.8rem); font-weight: 600; line-height: 1; letter-spacing: -.02em; font-variant-numeric: tabular-nums; }
.rv-meta { display: grid; gap: 6px; }
.rv-stars { position: relative; display: inline-block; font-size: 22px; line-height: 1; letter-spacing: 3px; }
.rv-stars-bg { color: rgba(255,255,255,.25); }
.rv-stars-fg { position: absolute; left: 0; top: 0; overflow: hidden; white-space: nowrap; color: #F5B301; }
.rv-count { font-size: 15px; color: #C3D0E4; }
.rv-logo { margin-left: auto; display: inline-flex; align-items: center; gap: 8px; background: #fff; border-radius: 12px; padding: 8px 14px; }
.rv-logo-tt img { width: 150px; height: auto; }
.rv-g { width: 26px; height: 26px; }
.rv-gword { font-size: 21px; font-weight: 600; letter-spacing: -.01em; font-family: Arial, Helvetica, sans-serif; }
.rv-gword b:nth-child(1), .rv-gword b:nth-child(4) { color: #4285F4; } .rv-gword b:nth-child(2), .rv-gword b:nth-child(6) { color: #EA4335; } .rv-gword b:nth-child(3) { color: #FBBC05; } .rv-gword b:nth-child(5) { color: #34A853; }
.rv-div { width: 1px; background: rgba(255,255,255,.18); margin: 4px 0; }
@media (max-width: 760px) {
  .rv-row { flex-direction: column; gap: 6px; padding-top: 16px; padding-bottom: 16px; }
  .rv-cell, .rv-cell:first-child { padding: 10px 0; gap: 14px; }
  .rv-div { width: auto; height: 1px; margin: 0; }
  .rv-num { font-size: 2.4rem; }
  .rv-stars { font-size: 18px; }
  .rv-logo-tt img { width: 112px; }
  .rv-gword { font-size: 17px; }
  .rv-g { width: 22px; height: 22px; }
  .reviews { order: 2; }
}
.rv-logo { height: 76px; min-width: 178px; justify-content: center; }
@media (max-width: 760px) { .rv-logo { height: 60px; min-width: 140px; } }
.rv-single .rv-cell { padding-left: 0; }
/* Testimonial Tree "coming soon": no numbers, no stars until the real rating exists */
.rv-soon { cursor: default; }
.rv-soon:hover { background: none; }
.rv-soon .rv-stars { display: none; }
.rv-soon .rv-num { font-size: clamp(1.5rem, 2.3vw, 2rem); letter-spacing: -.01em; white-space: nowrap; }
.rv-soon .rv-num::after { content: ""; display: block; width: 36px; height: 3px; margin-top: 10px; border-radius: 2px; background: #F5B301; }
.rv-soon .rv-count { max-width: 15ch; line-height: 1.35; }
@media (max-width: 760px) { .rv-soon .rv-num { font-size: 1.45rem; } }
@media (max-width: 760px) { .rv-soon .rv-meta { display: none; } .rv-cell { min-width: 0; } }
@media (max-width: 380px) { .rv-logo { min-width: 0; padding: 8px 10px; height: 54px; } .rv-gword { font-size: 15px; } .rv-logo-tt img { width: 100px; } .rv-cell, .rv-cell:first-child { gap: 10px; } }