@font-face {
  font-family: "Jakarta";
  src: url("/assets/jakarta.woff2") format("woff2");
  font-weight: 400 800;
  font-display: swap;
}
@font-face {
  font-family: "Instrument";
  src: url("/assets/instrument-serif-italic.woff2") format("woff2");
  font-style: italic;
  font-weight: 400;
  font-display: swap;
}

:root {
  --navy-950: #061428;
  --navy-900: #0a1f3f;
  --navy-800: #0f2c57;
  --navy-700: #173d73;
  --gold-300: #ecd596;
  --gold-400: #ddbb6b;
  --gold-500: #c9a24a;
  --gold-600: #a8822f;
  --gold-grad: linear-gradient(135deg, #f3e0a6 0%, #d8b462 42%, #b88d36 100%);
  --gold-ink: linear-gradient(135deg, #c99d3f, #96702a);
  --ivory: #faf7f0;
  --ink: #0b1b33;
  --body: #4b5568;
  --muted: #6b7686;
  --line: #e6e2d8;
  --on-navy: #c7d2e3;
  --on-navy-muted: #8fa3c0;
  --line-navy: rgba(221, 187, 107, .16);
  --radius: 18px;
  --shadow: 0 1px 2px rgba(10, 31, 63, .05), 0 14px 36px rgba(10, 31, 63, .09);
  --shadow-lg: 0 40px 90px rgba(3, 10, 22, .5);
  --font: "Jakarta", ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --serif: "Instrument", "Iowan Old Style", Georgia, serif;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font: 400 17px/1.65 var(--font); color: var(--body); background: #fff; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--navy-700); text-underline-offset: 3px; text-decoration-color: rgba(201, 162, 74, .6); }
a:hover { color: var(--navy-950); }
h1, h2, h3 { color: var(--ink); line-height: 1.08; letter-spacing: -.035em; margin: 0 0 .5em; }
h1 { font-size: clamp(2.5rem, 5.4vw, 4.6rem); font-weight: 800; }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.9rem); font-weight: 800; }
h3 { font-size: 1.18rem; font-weight: 700; letter-spacing: -.015em; line-height: 1.3; }
h1, h2, h3 { overflow-wrap: break-word; }
p { margin: 0 0 1em; }
:focus-visible { outline: 3px solid var(--gold-500); outline-offset: 3px; border-radius: 6px; }
::selection { background: rgba(221, 187, 107, .4); }
.container { width: min(1200px, 100% - 48px); margin-inline: auto; }
.narrow { width: min(820px, 100% - 48px); }
.center { text-align: center; }
.muted { color: var(--muted); }
.skip { position: absolute; left: -9999px; top: 8px; z-index: 100; background: var(--navy-900); color: #fff; padding: 10px 16px; border-radius: 8px; font-weight: 700; }
.skip:focus { left: 8px; }
.icon { width: 20px; height: 20px; flex: none; }
.hero-grid > *, .split > *, .page-hero-grid > *, .apply-grid > *, .calc > *, .card-grid > *, .field-row > *, .compare-inputs > * { min-width: 0; }

/* Serif accent words */
.accent { font-family: var(--serif); font-style: italic; font-weight: 400; letter-spacing: -.01em; font-size: 1.1em; line-height: .9; padding-right: .06em; background: var(--gold-ink); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero .accent, .page-hero .accent, .section.navy .accent, .cta-band .accent, .inline-cta .accent { background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; }
.hero h1 .accent { display: block; font-size: 1.16em; margin-top: .02em; }

/* Navy surfaces */
.hero, .page-hero, .section.navy, .cta-band { position: relative; isolation: isolate; overflow: hidden; color: var(--on-navy); background: radial-gradient(1000px 520px at 88% -8%, rgba(221, 187, 107, .2), transparent 62%), radial-gradient(900px 600px at -10% 110%, rgba(23, 61, 115, .9), transparent 60%), linear-gradient(165deg, var(--navy-950), var(--navy-900) 55%, var(--navy-800)); }
.hero h1, .hero h2, .hero h3, .page-hero h1, .page-hero h2, .section.navy h2, .section.navy h3, .cta-band h2 { color: #fff; }
.hero a:not(.btn), .page-hero a:not(.btn) { color: var(--gold-300); }
.hero::before, .page-hero::before, .section.navy::before, .cta-band::before {
  content: ""; position: absolute; inset: 0; z-index: -1; pointer-events: none;
  background-image: linear-gradient(rgba(221, 187, 107, .07) 1px, transparent 1px), linear-gradient(90deg, rgba(221, 187, 107, .07) 1px, transparent 1px);
  background-size: 64px 64px;
  -webkit-mask-image: radial-gradient(ellipse 70% 80% at 75% 0%, #000 20%, transparent 70%);
  mask-image: radial-gradient(ellipse 70% 80% at 75% 0%, #000 20%, transparent 70%);
}

/* Buttons */
.btn { position: relative; overflow: hidden; display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 15px 26px; border-radius: 12px; font-weight: 700; font-size: 1rem; letter-spacing: -.005em; text-decoration: none; border: 1.5px solid transparent; cursor: pointer; transition: transform .2s, box-shadow .25s, background .2s, border-color .2s; font-family: inherit; line-height: 1.2; text-align: center; max-width: 100%; }
.btn .icon { width: 18px; height: 18px; transition: transform .2s; }
.btn:hover .icon { transform: translateX(3px); }
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--gold-grad); color: var(--navy-950); box-shadow: inset 0 1px 0 rgba(255, 255, 255, .5), 0 1px 2px rgba(10, 31, 63, .2), 0 10px 26px rgba(201, 162, 74, .28); }
.btn-primary::after { content: ""; position: absolute; top: 0; bottom: 0; left: -60%; width: 40%; background: linear-gradient(100deg, transparent, rgba(255, 255, 255, .55), transparent); transform: skewX(-20deg); transition: left .6s ease; }
.btn-primary:hover { color: var(--navy-950); transform: translateY(-2px); box-shadow: inset 0 1px 0 rgba(255, 255, 255, .5), 0 2px 4px rgba(10, 31, 63, .2), 0 16px 36px rgba(201, 162, 74, .42); }
.btn-primary:hover::after { left: 130%; }
.btn-ghost { background: #fff; color: var(--navy-900); border-color: #d9d3c4; }
.btn-ghost:hover { border-color: var(--navy-900); color: var(--navy-950); }
.btn-ghost-light { background: rgba(255, 255, 255, .04); color: #fff; border-color: rgba(221, 187, 107, .4); backdrop-filter: blur(6px); }
.btn-ghost-light:hover { background: rgba(221, 187, 107, .1); border-color: var(--gold-400); color: #fff; }
.btn-sm { padding: 11px 20px; font-size: .94rem; }
.btn-block { width: 100%; }
.btn[disabled] { opacity: .6; cursor: wait; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 34px; }
.actions.center, .center-actions { justify-content: center; }
.center-actions { display: flex; flex-wrap: wrap; gap: 20px; align-items: center; margin-top: 48px; }
.text-link { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; text-decoration: none; }
.micro { display: flex; align-items: center; gap: 8px; font-size: .86rem; color: var(--muted); margin: 14px 0 0; }
.micro .icon { width: 16px; height: 16px; color: var(--gold-500); }
.hero .micro, .page-hero .micro, .quick-start .micro { color: var(--on-navy-muted); }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; text-transform: uppercase; letter-spacing: .2em; font-size: .72rem; font-weight: 700; color: var(--gold-600); margin-bottom: 18px; }
.eyebrow::before { content: ""; width: 28px; height: 1.5px; background: var(--gold-grad); }
.section-head.center .eyebrow::after { content: ""; width: 28px; height: 1.5px; background: var(--gold-grad); }
.hero .eyebrow, .page-hero .eyebrow, .section.navy .eyebrow { color: var(--gold-300); }

/* Header */
.site-header { --header-height: 82px; position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .94); backdrop-filter: saturate(1.6) blur(16px); -webkit-backdrop-filter: saturate(1.6) blur(16px); border-bottom: 1px solid rgba(10, 31, 63, .08); }
.site-header::after { content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 1px; background: linear-gradient(90deg, transparent, rgba(201, 162, 74, .6), transparent); }
.header-inner { display: flex; align-items: center; gap: 28px; height: 82px; }
.brand { flex: none; }
.brand img { width: 168px; height: auto; }
.primary-nav { margin-left: auto; }
.primary-nav > ul { display: flex; align-items: center; gap: 2px; list-style: none; margin: 0; padding: 0; }
.primary-nav a { position: relative; display: block; padding: 10px 12px; font-weight: 600; font-size: .94rem; color: var(--ink); text-decoration: none; border-radius: 9px; transition: color .15s; }
.primary-nav > ul > li > a::after { content: ""; position: absolute; left: 12px; right: 12px; bottom: 4px; height: 2px; border-radius: 2px; background: var(--gold-grad); transform: scaleX(0); transition: transform .25s; }
.primary-nav > ul > li > a:hover::after, .primary-nav > ul > li > a[aria-current]::after { transform: scaleX(1); }
.primary-nav a:hover, .primary-nav a[aria-current] { color: var(--navy-950); }
.has-menu { position: relative; display: flex; align-items: center; }
.has-menu > a { padding-right: 4px; }
.primary-nav .has-menu > a::after { right: 4px; }
.menu-toggle { background: none; border: 0; padding: 6px 4px; cursor: pointer; color: var(--muted); }
.menu-toggle svg { width: 14px; height: 14px; fill: none; stroke: currentColor; stroke-width: 2.5; }
.submenu { position: absolute; top: calc(100% + 10px); left: -8px; min-width: 270px; list-style: none; margin: 0; padding: 10px; background: #fff; border: 1px solid var(--line); border-radius: 16px; box-shadow: 0 24px 60px rgba(10, 31, 63, .16); opacity: 0; visibility: hidden; transform: translateY(8px); transition: .2s; }
.submenu::before { content: ""; position: absolute; inset: -12px 0 auto; height: 12px; }
.has-menu:hover .submenu, .has-menu:focus-within .submenu, .has-menu.open .submenu { opacity: 1; visibility: visible; transform: none; }
.submenu a { font-weight: 500; }
.submenu a:hover { background: var(--ivory); }
.submenu-all a { color: var(--gold-600); font-weight: 700; border-top: 1px solid var(--line); border-radius: 0 0 8px 8px; margin-top: 6px; }
.header-actions { display: flex; align-items: center; gap: 16px; }
.header-phone { display: flex; gap: 8px; align-items: center; font-weight: 700; text-decoration: none; color: var(--ink); white-space: nowrap; }
.header-phone .icon { color: var(--gold-500); width: 17px; }
.nav-toggle { display: none; width: 44px; height: 44px; border: 1px solid var(--line); background: #fff; border-radius: 11px; cursor: pointer; padding: 13px 11px; flex-direction: column; justify-content: space-between; }
.nav-toggle span { display: block; height: 2px; background: var(--navy-900); border-radius: 2px; transition: .2s; }
.nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6.5px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6.5px) rotate(-45deg); }
.mobile-nav { position: absolute; top: 100%; left: 0; right: 0; border-top: 1px solid var(--line); padding: 8px 24px calc(24px + env(safe-area-inset-bottom)); max-height: calc(100dvh - var(--header-height)); overflow: auto; overscroll-behavior: contain; background: #fff; box-shadow: var(--shadow); }
.mobile-nav ul { list-style: none; margin: 0; padding: 0; }
.mobile-nav a, .mobile-nav summary { display: block; padding: 13px 0; font-weight: 600; color: var(--ink); text-decoration: none; border-bottom: 1px solid var(--line); cursor: pointer; }
.mobile-nav details ul { padding-left: 16px; }
.mobile-nav details a { color: var(--body); font-weight: 500; }
.mobile-nav summary { list-style: none; display: flex; justify-content: space-between; }
.mobile-nav summary::-webkit-details-marker { display: none; }
.mobile-nav summary::after { content: "+"; color: var(--gold-500); font-weight: 400; }
.mobile-nav details[open] summary::after { content: "−"; }
.mobile-nav .btn { display: flex; margin-top: 20px; width: 100%; border: 0; }

/* Hero */
.hero { padding: 110px 0 200px; }
.hero-grid { position: relative; z-index: 1; display: grid; grid-template-columns: 1.15fr .85fr; gap: 72px; align-items: center; }
.hero .lede { font-size: 1.2rem; color: #b6c3d8; max-width: 580px; margin-top: 8px; }
.hero-points { list-style: none; padding: 0; margin: 34px 0 0; display: flex; flex-wrap: wrap; gap: 12px 28px; }
.hero-points li { display: flex; gap: 10px; align-items: center; font-weight: 600; color: #fff; font-size: .97rem; }
.hero-points .icon { color: var(--navy-950); background: var(--gold-grad); border-radius: 50%; padding: 3.5px; width: 21px; height: 21px; stroke-width: 3; }
.hero-3d { position: absolute; inset: 0; width: 100%; height: 100%; z-index: 0; pointer-events: none; opacity: .95; -webkit-mask-image: linear-gradient(180deg, transparent, #000 22%, #000 92%, transparent); mask-image: linear-gradient(180deg, transparent, #000 22%, #000 92%, transparent); }
.hero > .container, .page-hero > .container { position: relative; z-index: 2; }
.hero::before, .page-hero::before { background: radial-gradient(ellipse at 78% 22%, rgba(221, 187, 107, .08), transparent 58%); -webkit-mask-image: none; mask-image: none; }
.hero::after, .page-hero::after { content: ""; position: absolute; inset: 0; z-index: 1; pointer-events: none; background: linear-gradient(90deg, rgba(6, 20, 40, .42), rgba(6, 20, 40, .08) 58%, transparent); }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

/* Glass panels with a gold edge */
.quick-start, .fact-card { position: relative; background: linear-gradient(160deg, rgba(23, 61, 115, .55), rgba(6, 20, 40, .78)) padding-box, linear-gradient(150deg, rgba(243, 224, 166, .8), rgba(221, 187, 107, .12) 38%, rgba(221, 187, 107, .05) 70%, rgba(221, 187, 107, .45)) border-box; border: 1px solid transparent; border-radius: 24px; padding: 34px; box-shadow: var(--shadow-lg), 0 0 120px rgba(221, 187, 107, .08); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); color: var(--on-navy); }
.qs-title { font-weight: 700; color: #fff; font-size: 1.05rem; margin-bottom: 4px; }
.qs-amount { display: block; font-family: var(--serif); font-style: italic; font-size: 4rem; letter-spacing: -.02em; line-height: 1.05; margin-bottom: 12px; font-variant-numeric: tabular-nums; background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.quick-start input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 6px; background: linear-gradient(90deg, var(--gold-400) var(--fill, 9%), rgba(255, 255, 255, .14) var(--fill, 9%)); margin: 10px 0 12px; cursor: pointer; }
.quick-start input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 26px; height: 26px; border-radius: 50%; background: var(--gold-grad); border: 4px solid var(--navy-900); box-shadow: 0 0 0 1px var(--gold-400), 0 4px 14px rgba(0, 0, 0, .4); }
.quick-start input[type=range]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: var(--gold-400); border: 4px solid var(--navy-900); }
.qs-scale { display: flex; justify-content: space-between; font-size: .8rem; color: var(--on-navy-muted); margin-bottom: 22px; }
.quick-start .field > span { color: var(--on-navy); }
.quick-start .field select { background-color: rgba(6, 20, 40, .6); border-color: rgba(221, 187, 107, .25); color: #fff; }
.quick-start .field select option { color: var(--ink); }
.lede { font-size: 1.15rem; max-width: 720px; }

/* Facts bar overlapping the hero */
.facts-strip { position: relative; z-index: 2; margin-top: -84px; }
.facts-grid { display: grid; grid-template-columns: repeat(4, 1fr); background: #fff; border-radius: 22px; box-shadow: 0 30px 70px rgba(10, 31, 63, .16), 0 2px 6px rgba(10, 31, 63, .06); border: 1px solid rgba(201, 162, 74, .25); overflow: hidden; }
.facts-grid > div { display: grid; grid-template-columns: auto 1fr; column-gap: 16px; align-items: center; padding: 28px 26px; }
.facts-grid > div + div { border-left: 1px solid var(--line); }
.facts-grid .icon { grid-row: span 2; width: 46px; height: 46px; padding: 12px; border-radius: 14px; color: var(--gold-300); background: linear-gradient(150deg, var(--navy-800), var(--navy-950)); }
.facts-grid strong { color: var(--ink); line-height: 1.25; font-size: 1.04rem; }
.facts-grid span { font-size: .87rem; color: var(--muted); line-height: 1.35; }

/* Sections */
.section { padding: 112px 0; }
.facts-strip + .section { padding-top: 104px; }
.section.tight { padding: 64px 0 112px; }
.section.alt { background: var(--ivory); }
.section-head { max-width: 740px; margin-bottom: 56px; }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head p:last-child { font-size: 1.1rem; margin-bottom: 0; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: center; }
.split.top { align-items: start; }

/* Cards */
.card-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.card { position: relative; display: flex; flex-direction: column; padding: 32px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; color: var(--body); transition: transform .3s cubic-bezier(.2, .7, .2, 1), box-shadow .3s, border-color .3s; overflow: hidden; }
.card::before { content: ""; position: absolute; left: 0; right: 0; top: 0; height: 3px; background: var(--gold-grad); transform: scaleX(0); transform-origin: left; transition: transform .45s cubic-bezier(.2, .7, .2, 1); }
.card:hover { transform: translateY(-6px); box-shadow: 0 30px 60px rgba(10, 31, 63, .12); border-color: rgba(201, 162, 74, .35); color: var(--body); }
.card:hover::before { transform: scaleX(1); }
.card h3 { margin-top: 22px; }
.card p { flex: 1; }
.card-link { display: inline-flex; gap: 6px; align-items: center; font-weight: 700; color: var(--navy-800); font-size: .95rem; }
.card-link .icon { width: 16px; height: 16px; color: var(--gold-500); transition: transform .2s; }
.card:hover .card-link .icon { transform: translateX(4px); }
.card-icon { display: inline-grid; place-items: center; width: 52px; height: 52px; border-radius: 15px; background: linear-gradient(150deg, var(--navy-800), var(--navy-950)); color: var(--gold-300); box-shadow: 0 8px 18px rgba(10, 31, 63, .2), inset 0 1px 0 rgba(255, 255, 255, .08); }
.card-icon .icon { width: 23px; height: 23px; }
.guide-card h3 { margin-top: 16px; }
.tag { align-self: flex-start; font-size: .74rem; font-weight: 700; letter-spacing: .04em; background: #f6efdc; color: #7d5f1e; padding: 5px 11px; border-radius: 99px; }
.chip-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.chip-card { display: flex; align-items: center; gap: 14px; padding: 20px 22px; background: #fff; border: 1px solid var(--line); border-radius: 16px; font-weight: 700; color: var(--ink); text-decoration: none; transition: .25s; }
.chip-card .icon:first-child { color: var(--gold-500); }
.chip-card .icon:last-child { margin-left: auto; width: 16px; color: #a6adb8; transition: transform .2s; }
.chip-card:hover { border-color: var(--navy-900); background: var(--navy-900); color: #fff; box-shadow: 0 16px 34px rgba(10, 31, 63, .2); }
.chip-card:hover .icon:first-child, .chip-card:hover .icon:last-child { color: var(--gold-300); }
.chip-card:hover .icon:last-child { transform: translateX(4px); }

/* Steps */
.steps { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.steps li { position: relative; padding: 36px 32px 30px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.steps h3 { margin-top: 22px; }
.steps p { margin: 0; }
.step-num { position: absolute; top: 18px; right: 26px; font-family: var(--serif); font-style: italic; font-size: 4.2rem; line-height: 1; background: linear-gradient(180deg, #e2c27a, rgba(226, 194, 122, .1)); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* Requirements */
.req-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.req-list li { display: flex; gap: 18px; align-items: center; padding: 20px 24px; background: #fff; border: 1px solid var(--line); border-radius: 16px; transition: border-color .2s, box-shadow .2s; }
.req-list li:hover { border-color: rgba(201, 162, 74, .5); box-shadow: var(--shadow); }
.req-list .icon { color: var(--navy-950); background: var(--gold-grad); border-radius: 50%; padding: 6px; width: 30px; height: 30px; stroke-width: 3; }
.req-list strong { display: block; color: var(--ink); }

/* Values (navy section) */
.value-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.value-grid.three { grid-template-columns: repeat(3, 1fr); }
.value { padding: 32px; border-radius: var(--radius); background: linear-gradient(170deg, rgba(255, 255, 255, .06), rgba(255, 255, 255, .015)); border: 1px solid var(--line-navy); transition: border-color .3s, transform .3s; }
.value:hover { border-color: rgba(221, 187, 107, .5); transform: translateY(-4px); }
.value h3 { margin-top: 22px; }
.value p { margin: 0; }
.section.navy .card-icon { background: var(--gold-grad); color: var(--navy-950); box-shadow: 0 10px 30px rgba(201, 162, 74, .25); }

/* Calculator teaser */
.calc-preview { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; background: rgba(221, 187, 107, .22); border-radius: 24px; overflow: hidden; box-shadow: 0 40px 80px rgba(10, 31, 63, .25); }
.calc-preview div { background: linear-gradient(160deg, var(--navy-900), var(--navy-950)); padding: 30px; }
.calc-preview span { display: block; font-size: .84rem; color: var(--on-navy-muted); margin-bottom: 6px; }
.calc-preview strong { font-size: 2rem; color: #fff; letter-spacing: -.03em; font-variant-numeric: tabular-nums; }
.calc-preview div:nth-child(3) strong { font-family: var(--serif); font-style: italic; font-weight: 400; font-size: 2.6rem; background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }

/* Quotes */
.quote-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.quote { position: relative; margin: 0; padding: 30px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); display: flex; flex-direction: column; }
.quote::before { content: "\201C"; position: absolute; top: 4px; right: 22px; font-family: var(--serif); font-style: italic; font-size: 5rem; line-height: 1; color: rgba(201, 162, 74, .25); }
.stars { display: flex; gap: 2px; color: var(--gold-500); margin-bottom: 18px; }
.stars .icon { width: 16px; height: 16px; fill: currentColor; stroke: none; }
.quote blockquote { margin: 0 0 22px; flex: 1; color: var(--ink); font-size: .98rem; }
.quote figcaption { display: flex; align-items: center; gap: 10px; font-weight: 700; color: var(--ink); font-size: .92rem; }
.quote figcaption::before { content: ""; width: 26px; height: 1.5px; background: var(--gold-grad); }

/* FAQ */
.faq { display: grid; gap: 12px; }
.faq details { border: 1px solid var(--line); border-radius: 16px; background: #fff; padding: 0 24px; transition: border-color .25s, box-shadow .25s; }
.faq details[open] { border-color: rgba(201, 162, 74, .55); box-shadow: var(--shadow); }
.faq summary { display: flex; justify-content: space-between; align-items: center; gap: 20px; padding: 22px 0; cursor: pointer; list-style: none; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary h3 { margin: 0; font-size: 1.06rem; }
.faq-icon { position: relative; width: 30px; height: 30px; border-radius: 50%; background: var(--ivory); border: 1px solid var(--line); flex: none; transition: background .25s; }
.faq details[open] .faq-icon { background: var(--navy-900); border-color: var(--navy-900); }
.faq-icon::before, .faq-icon::after { content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 2px; background: var(--navy-900); transform: translate(-50%, -50%); transition: .25s; }
.faq details[open] .faq-icon::before, .faq details[open] .faq-icon::after { background: var(--gold-300); }
.faq-icon::after { transform: translate(-50%, -50%) rotate(90deg); }
.faq details[open] .faq-icon::after { transform: translate(-50%, -50%); }
.faq details p { padding-bottom: 24px; margin: 0; }

/* CTA band */
.cta-band { padding: 104px 0; }
.cta-band::after { content: ""; position: absolute; z-index: -1; left: 0; right: 0; bottom: 0; height: 120px; pointer-events: none; opacity: .5; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 120' preserveAspectRatio='none'%3E%3Cpath d='M0 70c160-40 320-40 480 0s320 40 480 0 320-40 480 0' fill='none' stroke='%23ddbb6b' stroke-width='1.5' opacity='.6'/%3E%3Cpath d='M0 95c120-26 240-26 360 0s240 26 360 0 240-26 360 0 240 26 360 0' fill='none' stroke='%23ddbb6b' opacity='.35'/%3E%3C/svg%3E") center bottom / 100% 100% no-repeat; }
.cta-band .container { display: flex; align-items: center; justify-content: space-between; gap: 48px; }
.cta-band h2 { margin-bottom: 12px; }
.cta-band p { margin: 0; max-width: 560px; color: #b6c3d8; }
.cta-band .actions { margin: 0; flex: none; }

/* Page hero (inner pages) */
.page-hero { padding: 72px 0 96px; }
.page-hero h1 { font-size: clamp(2.3rem, 4.6vw, 3.9rem); }
.page-hero-grid { display: grid; grid-template-columns: 1.3fr .7fr; gap: 64px; align-items: center; }
.article-hero { padding-bottom: 64px; }
.breadcrumbs ol { display: flex; flex-wrap: wrap; gap: 6px; list-style: none; padding: 0; margin: 0 0 28px; font-size: .86rem; color: var(--on-navy-muted); }
.breadcrumbs li + li::before { content: "/"; margin-right: 6px; color: rgba(221, 187, 107, .5); }
.page-hero .breadcrumbs a { color: var(--on-navy-muted); text-decoration: none; }
.page-hero .breadcrumbs a:hover { color: #fff; }
.page-hero .breadcrumbs [aria-current] { color: #fff; }
.page-hero .muted { color: var(--on-navy-muted); }
.page-hero .lede { color: #b6c3d8; }
.fact-title { color: #fff; font-weight: 800; font-size: 1.05rem; }
.fact-card dl { margin: 0 0 26px; }
.fact-card dl div { display: flex; justify-content: space-between; gap: 16px; padding: 14px 0; border-bottom: 1px solid var(--line-navy); }
.fact-card dt { color: var(--on-navy-muted); }
.fact-card dd { margin: 0; color: #fff; font-weight: 700; text-align: right; }
.fact-card .btn { width: 100%; }

/* Prose */
.prose h2 { font-size: 1.7rem; margin-top: 1.6em; }
.prose h2:first-child { margin-top: 0; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin-bottom: .5em; }
.prose li::marker { color: var(--gold-500); font-weight: 700; }
.prose .checklist { list-style: none; padding: 0; }
.prose .checklist li { padding: 15px 18px 15px 52px; border: 1px solid var(--line); border-radius: 14px; position: relative; background: #fff; }
.prose .checklist li::before { content: ""; position: absolute; left: 17px; top: 17px; width: 20px; height: 20px; border-radius: 6px; background: var(--gold-grad); }
.side-card { padding: 34px; border: 1px solid var(--line); border-radius: 22px; background: var(--ivory); }
.side-card h2 { font-size: 1.25rem; }
.side-card h2:not(:first-child) { margin-top: 1.4em; }
.check-list { list-style: none; padding: 0; margin: 0 0 1em; display: grid; gap: 10px; }
.check-list li { display: flex; gap: 12px; align-items: flex-start; }
.check-list .icon { color: var(--gold-500); margin-top: 3px; stroke-width: 2.6; }
.check-list.big li { font-size: 1.08rem; padding: 15px 0; border-bottom: 1px solid var(--line); color: var(--ink); }
.stat-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.stat-list strong { display: block; font-family: var(--serif); font-style: italic; font-weight: 400; font-size: 2.8rem; line-height: 1.1; background: var(--gold-ink); -webkit-background-clip: text; background-clip: text; color: transparent; }
.stat-list span { font-size: .86rem; color: var(--muted); }
.timeline { border-left: 2px solid var(--line); padding-left: 34px; display: grid; gap: 40px; }
.tl-item { position: relative; }
.tl-item::before { content: ""; position: absolute; left: -45px; top: 4px; width: 20px; height: 20px; border-radius: 50%; background: var(--gold-grad); box-shadow: 0 0 0 5px var(--ivory), 0 0 0 6px rgba(201, 162, 74, .4); }
.tl-time { font-size: .74rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--gold-600); }
.tl-item h3 { margin: 4px 0 6px; }
.inline-cta { position: relative; overflow: hidden; display: flex; align-items: center; justify-content: space-between; gap: 24px; margin-top: 60px; padding: 36px; border-radius: 22px; background: radial-gradient(420px 220px at 100% 0, rgba(221, 187, 107, .25), transparent), linear-gradient(160deg, var(--navy-900), var(--navy-950)); color: var(--on-navy); }
.inline-cta h2 { color: #fff; font-size: 1.45rem; margin-bottom: 4px; }
.inline-cta p { margin: 0; }
.inline-cta .btn { flex: none; }

/* Tables */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 16px; margin: 1.4em 0; background: #fff; }
table { width: 100%; border-collapse: collapse; font-size: .96rem; }
th, td { padding: 16px 20px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
thead th { background: var(--navy-900); color: var(--gold-300); font-size: .74rem; text-transform: uppercase; letter-spacing: .1em; font-weight: 700; }
tbody th { color: var(--ink); }
tbody tr:last-child > * { border-bottom: 0; }
tbody tr:hover { background: #fcfaf5; }

/* Forms */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 24px; padding: 38px; box-shadow: var(--shadow); }
.page-hero .form-card { position: relative; box-shadow: var(--shadow-lg), 0 0 0 1px rgba(221, 187, 107, .45); border-color: transparent; color: var(--body); }
.page-hero .form-card a { color: var(--navy-700); }
.page-hero .form-card h2, .page-hero .form-card h3 { color: var(--ink); }
.page-hero .form-card .micro { color: var(--muted); }
.field { display: block; margin-bottom: 16px; }
.field > span { display: block; font-weight: 600; font-size: .9rem; color: var(--ink); margin-bottom: 7px; }
.field input, .field select, .field textarea { width: 100%; min-width: 0; padding: 14px 15px; font: inherit; font-size: 1rem; color: var(--ink); border: 1.5px solid #d8d4c9; border-radius: 12px; background: #fff; transition: border-color .15s, box-shadow .15s; }
.field select { appearance: none; background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23a8822f' stroke-width='2.5'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E") right 14px center / 16px no-repeat; padding-right: 40px; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--gold-500); box-shadow: 0 0 0 4px rgba(201, 162, 74, .18); }
.field [aria-invalid="true"] { border-color: #d92d20; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
fieldset { border: 0; padding: 0; margin: 0; min-width: 0; }
legend { font-size: 1.4rem; font-weight: 800; letter-spacing: -.025em; color: var(--ink); margin-bottom: 22px; padding: 0; }
.form-progress { display: flex; gap: 8px; list-style: none; padding: 0; margin: 0 0 30px; counter-reset: p; }
.form-progress li { flex: 1; font-size: .78rem; font-weight: 700; color: #a6adb8; padding-top: 12px; border-top: 4px solid #eee9dc; counter-increment: p; transition: .3s; }
.form-progress li::before { content: counter(p) ". "; }
.form-progress li.active, .form-progress li.done { color: var(--navy-900); border-image: var(--gold-grad) 1; }
.form-nav { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 12px; margin-top: 12px; }
.form-nav .btn:only-child { margin-left: auto; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-size: .8rem; line-height: 1.5; color: var(--muted); margin: 6px 0 18px; }
.consent input { width: 18px; height: 18px; margin-top: 2px; flex: none; accent-color: var(--navy-900); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-error { color: #b42318; background: #fef3f2; border: 1px solid #fecdca; padding: 12px 14px; border-radius: 10px; font-weight: 600; margin: 14px 0 0; }
.form-success { text-align: center; padding: 24px 0; }
.form-success .card-icon { width: 68px; height: 68px; border-radius: 50%; margin-bottom: 18px; background: var(--gold-grad); color: var(--navy-950); }
.apply-hero { padding-bottom: 112px; }
.apply-form { scroll-margin-top: 102px; }
.apply-grid { display: grid; grid-template-columns: .9fr 1.1fr; grid-template-areas: "intro form" "extras form"; gap: 0 64px; align-items: start; }
.apply-intro { grid-area: intro; }
.apply-extras { grid-area: extras; }
.apply-grid .form-card { grid-area: form; }
.apply-grid .check-list { margin: 8px 0 30px; font-weight: 600; color: #fff; }
.apply-grid .check-list .icon { color: var(--gold-400); }
.side-note { padding: 22px 24px; border: 1px solid var(--line-navy); background: rgba(221, 187, 107, .07); border-radius: 16px; }
.side-note h2 { font-size: 1.02rem; margin-bottom: 4px; }
.side-note p { margin: 0; }
.footer-contact.dark { margin-top: 28px; color: var(--body); }
.footer-contact.dark .icon { color: var(--gold-500); }

/* Calculators */
.tabs { display: inline-flex; gap: 4px; padding: 6px; background: #fff; border: 1px solid var(--line); border-radius: 16px; margin-bottom: 30px; flex-wrap: wrap; box-shadow: var(--shadow); }
.tabs button { font: inherit; font-weight: 700; font-size: .95rem; padding: 11px 22px; border: 0; border-radius: 11px; background: transparent; color: var(--muted); cursor: pointer; transition: .2s; }
.tabs button:hover { color: var(--ink); }
.tabs button[aria-selected="true"] { background: var(--navy-900); color: #fff; box-shadow: inset 0 -2px 0 var(--gold-400); }
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; align-items: start; }
.calc[hidden] { display: none; }
.calc-inputs { padding: 34px; border: 1px solid var(--line); border-radius: 24px; background: #fff; box-shadow: var(--shadow); }
.compare-inputs { display: grid; grid-template-columns: 1fr 1fr; gap: 0 20px; }
.compare-inputs > .field { grid-column: 1 / -1; }
.compare-inputs legend { font-size: 1.02rem; margin-bottom: 12px; }
.calc-results { position: relative; overflow: hidden; padding: 34px; border-radius: 24px; background: radial-gradient(520px 280px at 100% 0, rgba(221, 187, 107, .22), transparent), linear-gradient(160deg, var(--navy-900), var(--navy-950)); color: var(--on-navy); box-shadow: 0 40px 80px rgba(10, 31, 63, .25); }
.calc-results .result-main span { display: block; color: var(--on-navy-muted); }
.calc-results .result-main strong { display: block; font-family: var(--serif); font-style: italic; font-weight: 400; font-size: clamp(3rem, 5.4vw, 4.4rem); letter-spacing: -.02em; line-height: 1.05; margin-bottom: 22px; font-variant-numeric: tabular-nums; background: var(--gold-grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.calc-results dl { margin: 0 0 28px; }
.calc-results dl div { display: flex; justify-content: space-between; gap: 16px; padding: 14px 0; border-bottom: 1px solid var(--line-navy); }
.calc-results dd { margin: 0; color: #fff; font-weight: 700; font-variant-numeric: tabular-nums; }
.calc-results .result-main strong, .calc-results dd { overflow-wrap: anywhere; }
.calc-results dd { text-align: right; }
.calc-results .muted { color: var(--on-navy-muted); }
.calc-results .table-wrap { border-color: var(--line-navy); margin-top: 0; background: transparent; }
.calc-results table th, .calc-results table td { border-color: var(--line-navy); color: #fff; }
.calc-results thead th { background: rgba(221, 187, 107, .08); color: var(--gold-300); }
.calc-results tbody th { color: var(--on-navy-muted); font-weight: 600; }
.calc-results tbody tr:hover { background: rgba(255, 255, 255, .03); }
.verdict { color: var(--gold-300); font-weight: 700; margin: 0; }
.disclaimer { font-size: .8rem; color: var(--muted); margin-top: 30px; max-width: 900px; }

/* Footer */
.site-footer { position: relative; background: var(--navy-950); color: var(--on-navy-muted); padding: 88px 0 34px; font-size: .94rem; }
.site-footer::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 1px; background: linear-gradient(90deg, transparent, rgba(221, 187, 107, .6), transparent); }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 44px; }
.footer-brand .brand { display: inline-flex; align-items: center; justify-content: center; max-width: 100%; padding: 16px 20px; margin-bottom: 24px; border: 1px solid rgba(221, 187, 107, .4); border-radius: 16px; background: #fffdf8; box-shadow: 0 8px 24px rgba(0, 0, 0, .14); }
.footer-brand .brand img { width: 224px; height: auto; aspect-ratio: 8 / 3; object-fit: contain; }
.footer-brand p { max-width: 340px; }
.footer-title { font-size: .74rem; text-transform: uppercase; letter-spacing: .18em; color: var(--gold-400); margin-bottom: 20px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: 10px; }
.site-footer a { color: #c7d2e3; text-decoration: none; transition: color .15s; }
.site-footer a:hover { color: var(--gold-300); }
.footer-contact li { display: flex; gap: 10px; align-items: center; }
.footer-contact .icon { width: 17px; color: var(--gold-400); }
.footer-legal { margin-top: 64px; padding-top: 28px; border-top: 1px solid var(--line-navy); font-size: .8rem; color: #91a3bd; }
.footer-bottom { display: flex; justify-content: space-between; flex-wrap: wrap; gap: 16px; margin-top: 18px; }
.footer-bottom nav { display: flex; flex-wrap: wrap; gap: 20px; }

/* Hero purpose chips */
.qs-purpose { margin-bottom: 22px; }
.qs-purpose legend { margin-bottom: 12px; }
.chips { display: grid; grid-template-columns: repeat(3, 1fr); gap: 8px; }
.chip { position: relative; cursor: pointer; }
.chip input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.chip span { display: block; text-align: center; padding: 10px 6px; border-radius: 10px; font-size: .88rem; font-weight: 600; color: var(--on-navy); border: 1px solid rgba(221, 187, 107, .22); background: rgba(6, 20, 40, .45); transition: .2s; }
.chip:hover span { border-color: rgba(221, 187, 107, .6); color: #fff; }
.chip input:checked + span { background: var(--gold-grad); color: var(--navy-950); border-color: transparent; box-shadow: 0 6px 18px rgba(201, 162, 74, .3); }
.chip input:focus-visible + span { outline: 3px solid var(--gold-300); outline-offset: 2px; }
.quick-start .qs-title + .qs-amount { margin-top: 2px; }

/* Benefits ticker */
.ticker { display: flex; overflow: hidden; margin-top: 56px; padding: 6px 0; -webkit-mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent); mask-image: linear-gradient(90deg, transparent, #000 10%, #000 90%, transparent); }
.ticker ul { display: flex; flex: none; gap: 0; margin: 0; padding: 0; list-style: none; animation: ticker 48s linear infinite; }
.ticker li { display: flex; align-items: center; white-space: nowrap; font-size: .8rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--navy-800); }
.ticker li::after { content: ""; width: 7px; height: 7px; margin: 0 30px; transform: rotate(45deg); background: var(--gold-grad); }
.ticker:hover ul { animation-play-state: paused; }
@keyframes ticker { to { transform: translateX(-100%); } }
.ticker + .section { padding-top: 88px; }

/* Product card highlight and "not sure" banner */
.card-tag { display: inline-flex; align-items: center; gap: 7px; align-self: flex-start; margin: 0 0 18px; padding: 6px 12px 6px 9px; border-radius: 99px; background: #f6efdc; color: #6f531a; font-size: .8rem; font-weight: 700; }
.card-tag .icon { width: 14px; height: 14px; stroke-width: 3; color: var(--gold-600); }
.not-sure { position: relative; overflow: hidden; display: flex; align-items: center; justify-content: space-between; gap: 32px; margin-top: 22px; padding: 30px 36px; border-radius: var(--radius); color: var(--on-navy); background: radial-gradient(420px 200px at 100% 0, rgba(221, 187, 107, .28), transparent), linear-gradient(160deg, var(--navy-900), var(--navy-950)); }
.not-sure h3 { color: #fff; font-size: 1.3rem; margin-bottom: 4px; }
.not-sure p { margin: 0; max-width: 640px; }
.not-sure .btn { flex: none; }

/* Bank vs. Newport */
.vs { max-width: 1000px; margin-inline: auto; background: #fff; border: 1px solid var(--line); border-radius: 24px; overflow: hidden; box-shadow: var(--shadow); }
.vs-head, .vs-row { display: grid; grid-template-columns: .8fr 1fr 1.15fr; }
.vs-head span { padding: 20px 26px; font-size: .74rem; font-weight: 700; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
.vs-head .vs-us { color: var(--gold-300); background: var(--navy-900); }
.vs-row > span { padding: 20px 26px; border-top: 1px solid var(--line); }
.vs-k { font-weight: 700; color: var(--ink); }
.vs-bank { color: var(--muted); }
.vs-row .vs-us { display: flex; gap: 12px; align-items: flex-start; color: #fff; font-weight: 600; background: linear-gradient(160deg, var(--navy-900), var(--navy-950)); border-top-color: rgba(221, 187, 107, .14); }
.vs-row .vs-us .icon { flex: none; width: 22px; height: 22px; padding: 4px; margin-top: 1px; border-radius: 50%; color: var(--navy-950); background: var(--gold-grad); stroke-width: 3; }
.vs-label { display: none; }

/* Callback */
.callback-form h3 { font-size: 1.3rem; margin-bottom: 20px; }
.call-direct { margin-top: 24px; font-weight: 600; color: var(--ink); }
.stats-band { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 18px; list-style: none; margin: 0 0 88px; padding: 0; text-align: center; }
.stats-band strong { display: block; font-family: var(--serif); font-style: italic; font-weight: 400; font-size: 3.4rem; line-height: 1.1; background: var(--gold-ink); -webkit-background-clip: text; background-clip: text; color: transparent; }
.stats-band span { color: var(--muted); font-size: .92rem; }

/* Funding activity card */
.funded .section-head { margin-bottom: 36px; }
.feed-card { max-width: 760px; margin-inline: auto; border: 1px solid rgba(201, 162, 74, .6); border-radius: 24px; overflow: hidden; background: #fff; box-shadow: 0 16px 40px rgba(201, 162, 74, .12); }
.feed-head { display: flex; justify-content: space-between; align-items: center; gap: 12px; min-height: 64px; padding: 12px 22px; border-bottom: 1px solid var(--line); }
.feed-head > span { display: inline-flex; align-items: center; gap: 9px; font-size: .78rem; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; color: var(--navy-900); }
.feed-status-dot { flex: none; width: 9px; height: 9px; border-radius: 50%; background: var(--gold-600); }
.feed { list-style: none; margin: 0; padding: 0; overflow: hidden; }
.feed li { position: relative; display: grid; grid-template-columns: auto minmax(0, 1fr) auto; gap: 14px; align-items: center; min-height: 80px; padding: 16px 22px; background: #fff; }
.feed li + li { border-top: 1px solid var(--line); }
.feed .icon { width: 40px; height: 40px; padding: 11px; border-radius: 50%; color: var(--gold-600); background: #faf1d9; }
.feed-business { min-width: 0; }
.feed-business strong { display: block; color: var(--navy-950); font-weight: 700; line-height: 1.4; }
.feed-business > span, .feed time { display: block; margin-top: 2px; font-size: .8rem; color: var(--body); }
.feed-amount { text-align: right; }
.feed-amount b { display: block; color: var(--navy-900); font-size: 1.08rem; font-weight: 800; line-height: 1.4; font-variant-numeric: tabular-nums; white-space: nowrap; }
.feed-amount span { display: block; margin-top: 2px; font-size: .62rem; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; color: var(--body); }
.feed-cta { display: flex; justify-content: center; align-items: center; gap: 6px; padding: 16px 22px; border-top: 1px solid var(--line); font-size: .9rem; font-weight: 700; text-decoration: none; color: var(--navy-900); }
.feed-cta:hover { background: var(--ivory); }
.feed-cta .icon { width: 16px; height: 16px; }
.feed-note { padding: 0 22px 14px; margin: 0; color: var(--muted); font-size: .72rem; text-align: center; }
.live-dot { display: inline-block; flex: none; width: 8px; height: 8px; border-radius: 50%; background: #3ddc84; box-shadow: 0 0 0 0 rgba(61, 220, 132, .6); animation: pulse 2s infinite; }
@keyframes pulse { 70% { box-shadow: 0 0 0 9px rgba(61, 220, 132, 0); } 100% { box-shadow: 0 0 0 0 rgba(61, 220, 132, 0); } }

/* Chat assistant */
.chat { position: fixed; z-index: 60; right: 24px; bottom: 24px; display: flex; flex-direction: column; align-items: flex-end; gap: 14px; }
.chat-launch { display: flex; align-items: center; gap: 12px; padding: 0; border: 0; background: none; cursor: pointer; font: inherit; }
.chat-launch > .icon { order: 2; width: 62px; height: 62px; padding: 17px; border-radius: 50%; color: var(--navy-950); background: var(--gold-grad); box-shadow: 0 0 0 4px rgba(255, 255, 255, .9), 0 14px 34px rgba(10, 31, 63, .35); transition: transform .2s; }
.chat-launch:hover > .icon { transform: scale(1.06); }
.chat-pill { display: inline-flex; align-items: center; gap: 8px; padding: 10px 16px; border-radius: 99px; background: var(--navy-900); color: #fff; font-size: .86rem; font-weight: 600; box-shadow: 0 10px 30px rgba(10, 31, 63, .3); animation: pill-in .5s 2s both; }
@keyframes pill-in { from { opacity: 0; transform: translateX(10px); } }
.chat.seen .chat-pill, .chat.open .chat-pill { display: none; }
.chat-inline-launch { margin-top: 18px; text-align: left; }
.chat-inline-launch > .icon { order: 0; flex: none; width: 42px; height: 42px; padding: 11px; box-shadow: none; }
.chat-inline-launch .chat-pill { display: inline; padding: 0; color: #fff; background: none; box-shadow: none; animation: none; }
.chat-panel { position: absolute; right: 0; bottom: calc(100% + 14px); width: min(380px, calc(100vw - 48px)); height: min(580px, calc(100dvh - 116px)); display: flex; flex-direction: column; background: #fff; border-radius: 22px; overflow: hidden; box-shadow: 0 30px 80px rgba(6, 20, 40, .35), 0 0 0 1px rgba(201, 162, 74, .3); animation: panel-in .25s cubic-bezier(.2, .7, .2, 1); }
.chat-panel[hidden] { display: none; }
@keyframes panel-in { from { opacity: 0; transform: translateY(12px) scale(.98); } }
.chat-head { display: flex; align-items: center; gap: 12px; padding: 16px 18px; color: #fff; background: radial-gradient(300px 120px at 100% 0, rgba(221, 187, 107, .3), transparent), linear-gradient(160deg, var(--navy-900), var(--navy-950)); }
.chat-head img { width: 40px; height: 40px; border-radius: 12px; background: #fff; }
.chat-head strong { display: block; font-size: 1rem; }
.chat-head span { display: flex; align-items: center; gap: 7px; font-size: .78rem; color: var(--on-navy); }
.chat-close { margin-left: auto; width: 36px; height: 36px; border: 0; border-radius: 10px; background: rgba(255, 255, 255, .08); color: #fff; cursor: pointer; display: grid; place-items: center; }
.chat-close .icon { width: 18px; height: 18px; }
.chat-head, .chat-input { flex-shrink: 0; }
.chat-log { flex: 1; min-height: 0; overflow-y: auto; overscroll-behavior: contain; padding: 18px; display: flex; flex-direction: column; gap: 10px; background: var(--ivory); }
.chat-log > * { flex-shrink: 0; }
.msg { max-width: 86%; padding: 11px 14px; border-radius: 16px; font-size: .92rem; line-height: 1.5; }
.msg.bot { align-self: flex-start; background: #fff; color: var(--ink); border: 1px solid var(--line); border-bottom-left-radius: 6px; }
.msg { overflow-wrap: anywhere; }
.msg.bot a { font-weight: 700; color: var(--navy-700); }
.msg.me { align-self: flex-end; background: var(--navy-900); color: #fff; border-bottom-right-radius: 6px; }
.msg.typing { display: flex; gap: 4px; padding: 14px 16px; }
.msg.typing i { width: 7px; height: 7px; border-radius: 50%; background: var(--gold-500); animation: blink 1s infinite; }
.msg.typing i:nth-child(2) { animation-delay: .15s; } .msg.typing i:nth-child(3) { animation-delay: .3s; }
@keyframes blink { 50% { opacity: .25; transform: translateY(-2px); } }
.msg.form { align-self: stretch; max-width: none; padding: 0; }
.chat-lead { display: grid; gap: 8px; padding: 14px; background: #fff; border: 1px solid rgba(201, 162, 74, .45); border-radius: 16px; }
.chat-lead input[name]:not([type=checkbox]) { width: 100%; min-width: 0; padding: 11px 12px; font: inherit; font-size: 1rem; border: 1.5px solid #d8d4c9; border-radius: 10px; }
.chat-lead input[name]:not([type=checkbox]):focus { outline: none; border-color: var(--gold-500); box-shadow: 0 0 0 3px rgba(201, 162, 74, .18); }
.chat-lead label { display: flex; gap: 8px; align-items: flex-start; font-size: .72rem; line-height: 1.45; color: var(--muted); }
.chat-lead label input { flex: none; width: 16px; height: 16px; margin: 2px 0 0; accent-color: var(--navy-900); }
.chat-error { margin: 0; font-size: .8rem; font-weight: 600; color: #b42318; }
.chat-quick { display: flex; flex: 0 0 auto; flex-wrap: wrap; gap: 6px; max-height: 30%; overflow-y: auto; padding: 10px 14px; background: var(--ivory); border-top: 1px solid var(--line); }
.chat-quick:empty { display: none; }
.chat-quick button { font: inherit; font-size: .8rem; font-weight: 600; padding: 7px 12px; border-radius: 99px; border: 1px solid rgba(201, 162, 74, .5); background: #fff; color: var(--navy-900); cursor: pointer; transition: .15s; }
.chat-quick button:hover { background: var(--navy-900); color: #fff; border-color: var(--navy-900); }
.chat-quick .person { background: var(--gold-grad); border-color: transparent; color: var(--navy-950); }
.chat-input { display: flex; gap: 8px; padding: 12px; border-top: 1px solid var(--line); background: #fff; }
.chat-input input { flex: 1; min-width: 0; padding: 12px 14px; font: inherit; font-size: 1rem; border: 1.5px solid #d8d4c9; border-radius: 12px; }
.chat-input input:focus { outline: none; border-color: var(--gold-500); }
.chat-input button { width: 46px; border: 0; border-radius: 12px; cursor: pointer; color: var(--navy-950); background: var(--gold-grad); display: grid; place-items: center; }
.chat-input .icon { width: 18px; height: 18px; }

/* Sticky apply bar on phones */
.sticky-cta { display: none; }

/* Scroll reveal (classes added by app.js) */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity .7s cubic-bezier(.2, .7, .2, 1), transform .7s cubic-bezier(.2, .7, .2, 1), box-shadow .3s, border-color .3s, background .25s, color .25s; }
.reveal.in { opacity: 1; transform: none; }
.card.reveal.in:hover { transform: translateY(-6px); }
.value.reveal.in:hover { transform: translateY(-4px); }

/* Responsive */
@media (max-width: 1100px) {
  .primary-nav, .header-phone { display: none; }
  .nav-toggle { display: flex; }
  .header-actions { margin-left: auto; }
  .quote-grid, .value-grid { grid-template-columns: repeat(2, 1fr); }
  .chip-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .facts-grid { grid-template-columns: 1fr 1fr; }
  .facts-grid > div:nth-child(3) { border-left: 0; }
  .facts-grid > div:nth-child(n+3) { border-top: 1px solid var(--line); }
}
@media (max-width: 900px) {
  .hero { padding: 64px 0 170px; }
  .hero-grid, .split, .page-hero-grid, .calc { grid-template-columns: 1fr; gap: 48px; }
  .apply-grid { grid-template-columns: 1fr; grid-template-areas: "intro" "form" "extras"; gap: 28px; }
  .card-grid, .steps, .value-grid.three { grid-template-columns: 1fr 1fr; }
  .cta-band .container, .inline-cta, .not-sure { flex-direction: column; align-items: flex-start; }
  .sticky-cta { display: flex; gap: 10px; position: fixed; z-index: 40; left: 0; right: 0; bottom: 0; padding: 12px 88px calc(12px + env(safe-area-inset-bottom)) 16px; background: rgba(255, 255, 255, .96); backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px); border-top: 1px solid var(--line); box-shadow: 0 -10px 30px rgba(10, 31, 63, .1); }
  .sticky-cta .btn { flex: 1; }
  body:has(.sticky-cta) { padding-bottom: calc(78px + env(safe-area-inset-bottom)); }
  .chat { right: 16px; bottom: calc(12px + env(safe-area-inset-bottom)); }
  .chat-panel { position: fixed; left: 12px; right: 12px; bottom: calc(88px + env(safe-area-inset-bottom)); width: auto; height: min(580px, calc(100dvh - 104px - env(safe-area-inset-bottom))); }
  body:has(.mobile-nav:not([hidden])) .chat, body:has(.mobile-nav:not([hidden])) .sticky-cta { display: none; }
  .chat-pill { display: none; }
  .chat-inline-launch .chat-pill { display: inline; }
  .chat-inline-launch > .icon { width: 42px; height: 42px; padding: 11px; }
  .chat-launch > .icon { width: 54px; height: 54px; padding: 15px; }
  .feed-head { flex-wrap: wrap; }
  .vs-head { display: none; }
  .vs-row { grid-template-columns: 1fr; }
  .vs-row > span { border-top: 0; padding: 6px 22px; }
  .vs-row { border-top: 1px solid var(--line); padding: 14px 0; }
  .vs-row:first-of-type { border-top: 0; }
  .vs-k { padding-top: 10px !important; }
  .vs-row .vs-us { margin: 6px 14px 4px; border-radius: 12px; padding: 12px 14px; }
  .vs-label { display: block; font-style: normal; font-size: .7rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; opacity: .7; }
  .section { padding: 84px 0; }
}
@media (max-width: 620px) {
  body { font-size: 16px; }
  .container, .narrow { width: calc(100% - 32px); }
  .header-inner { height: 70px; gap: 12px; }
  .site-header { --header-height: 70px; }
  .brand img { width: 128px; }
  .header-actions .btn-sm { padding: 10px 14px; font-size: .88rem; }
  .header-actions .btn-sm .icon { display: none; }
  .header-actions { gap: 8px; }
  .nav-toggle { flex-shrink: 0; }
  .card-grid, .steps, .value-grid, .value-grid.three, .quote-grid, .chip-grid, .facts-grid, .footer-grid, .field-row, .compare-inputs, .stat-list { grid-template-columns: 1fr; }
  .facts-grid > div + div { border-left: 0; border-top: 1px solid var(--line); }
  .facts-grid > div { padding: 18px 20px; }
  .calc-preview { grid-template-columns: 1fr; }
  .form-card, .calc-inputs, .calc-results, .quick-start, .side-card, .fact-card { padding: 24px; }
  .qs-amount { font-size: 3.3rem; }
  .hero { padding: 42px 0 128px; }
  .hero-grid { gap: 32px; }
  .hero h1 { font-size: clamp(2.2rem, 9.6vw, 3rem); }
  .hero .lede { font-size: 1.03rem; line-height: 1.65; margin-top: 22px; }
  .hero-points { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 18px 16px; margin-top: 26px; }
  .hero-points li { align-items: flex-start; font-size: .82rem; line-height: 1.5; }
  .hero-points .icon { width: 19px; height: 19px; margin-top: 1px; }
  .hero-3d { height: min(100%, 780px); opacity: .72; }
  .hero::after, .page-hero::after { background: linear-gradient(180deg, rgba(6, 20, 40, .12), rgba(6, 20, 40, .25)); }
  .hero .eyebrow { letter-spacing: .12em; font-size: .68rem; }
  .section { padding: 68px 0; }
  .facts-strip + .section { padding-top: 72px; }
  .actions .btn { flex: 1 1 100%; }
  .cta-band .actions { width: 100%; }
  .form-nav .btn { padding-inline: 16px; }
  .tabs { display: flex; }
  .tabs button { flex: 1; padding: 10px 8px; font-size: .86rem; }
  .quote { padding: 26px; }
  .site-footer { padding-top: 56px; }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 32px 24px; }
  .footer-brand, .footer-grid > :last-child { grid-column: 1 / -1; }
  .footer-grid > :last-child ul { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 24px; }
  .footer-brand p { max-width: 440px; }
  .footer-title { margin-bottom: 12px; }
  .site-footer li { margin-bottom: 0; }
  .site-footer li a { display: inline-flex; align-items: center; min-height: 44px; padding-block: 6px; font-size: .88rem; line-height: 1.45; }
  .footer-legal { margin-top: 36px; }
  .footer-bottom nav { gap: 6px 20px; }
  .footer-bottom nav a { display: inline-flex; align-items: center; min-height: 44px; }
}
@media (max-width: 380px) {
  .brand img { width: 110px; }
  .header-inner { gap: 8px; }
  .header-actions { flex-shrink: 0; }
  .header-actions .btn-sm { padding-inline: 10px; font-size: .84rem; white-space: nowrap; }
  .chips { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .feed li { column-gap: 10px; padding-inline: 12px; }
  .feed .icon { width: 32px; height: 32px; padding: 8px; }
  .feed-business strong { font-size: .88rem; }
  .feed-business > span { font-size: .74rem; }
  .feed-amount b { font-size: .94rem; }
  .feed-amount span { font-size: .56rem; }
  .feed-head { padding-inline: 12px; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { transition: none !important; animation: none !important; scroll-behavior: auto !important; }
}