/* =========================================================
   Cybertron Mortgage Advisors — "Private Advisory" design system
   Evergreen · ivory paper · brass · Fraunces + Manrope
   ========================================================= */
:root{
  --ever:#0D2620; --ever-2:#123229; --ever-3:#1B4436; --moss:#2F5E4D;
  --ivory:#F5EFE3; --paper:#FBF8F1; --white:#FFFFFF; --sand:#E9DFCC;
  --ink:#14201B; --ink-2:#34433C; --muted:#66756D; --mute-d:#A9BAB1;
  --brass:#B28A55; --brass-2:#CFAA74; --brass-dk:#8C6A3C; --rose:#C9775B;
  --line:#DDD2BE; --line-d:rgba(245,239,227,.14);
  --serif:"Fraunces","Iowan Old Style",Georgia,serif;
  --sans:"Manrope",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --wrap:1240px; --r:16px; --r-lg:28px;
  --ease:cubic-bezier(.22,.7,.2,1);
  --shadow:0 30px 70px -32px rgba(13,38,32,.45);
  --grain:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='2' stitchTiles='stitch'/%3E%3CfeColorMatrix values='0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 .05 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}
*,*::before,*::after{box-sizing:border-box;}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--ink);background:var(--paper) var(--grain);-webkit-font-smoothing:antialiased;overflow-x:hidden;}
img{max-width:100%;height:auto;display:block;}
a{color:inherit;}
button,input,select,textarea{font:inherit;}
h1,h2,h3,h4{font-family:var(--serif);font-weight:500;line-height:1.06;letter-spacing:-.02em;margin:0 0 .45em;font-variation-settings:"opsz" 120,"SOFT" 30;}
h1{font-size:clamp(2.7rem,6.2vw,5.6rem);}
h2{font-size:clamp(2.1rem,4.2vw,3.6rem);}
h3{font-size:clamp(1.3rem,1.8vw,1.6rem);letter-spacing:-.01em;font-variation-settings:"opsz" 36;}
h1 em,h2 em{font-style:italic;color:var(--brass);font-weight:400;}
p{margin:0 0 1em;}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 clamp(18px,4vw,44px);}
.sr-only{position:absolute;width:1px;height:1px;margin:-1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;}
.skip{position:absolute;left:-999px;top:8px;z-index:600;background:var(--ever);color:#fff;padding:10px 16px;border-radius:10px;font-weight:700;}
.skip:focus{left:12px;}
:focus-visible{outline:3px solid var(--brass);outline-offset:3px;border-radius:6px;}
[id]{scroll-margin-top:100px;}

/* ---------- helpers ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:.78rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--brass-dk);margin-bottom:20px;}
.eyebrow::before{content:"";width:34px;height:1px;background:currentColor;}
.ever .eyebrow,.eyebrow--light{color:var(--brass-2);}
.lede{font-size:clamp(1.06rem,1.45vw,1.24rem);color:var(--ink-2);max-width:60ch;}
.ever{background:var(--ever);color:#E9E4D8;}
.ever h1,.ever h2,.ever h3{color:#F8F3E8;}
.ever .lede{color:#C9D3CC;}
.ivory{background:var(--ivory) var(--grain);}
.sec{padding:clamp(76px,10vw,136px) 0;position:relative;}
.sec-head{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:clamp(20px,4vw,72px);align-items:end;margin-bottom:clamp(36px,5vw,64px);}
.sec-head p{margin:0;color:var(--muted);font-size:1.06rem;}
.ever .sec-head p{color:var(--mute-d);}
.sec-head--center{grid-template-columns:minmax(0,1fr);text-align:center;justify-items:center;}
.sec-head--center p{max-width:60ch;}
@media (max-width:860px){.sec-head{grid-template-columns:minmax(0,1fr);}}
.note{font-size:.86rem;color:var(--muted);margin-top:18px;}
.ever .note{color:var(--mute-d);}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:54px;padding:0 28px;border-radius:999px;font-weight:700;font-size:.98rem;text-decoration:none;border:1.5px solid transparent;cursor:pointer;transition:background .25s,color .25s,border-color .25s,transform .25s var(--ease);text-align:center;}
.btn svg{width:18px;height:18px;flex-shrink:0;transition:transform .25s var(--ease);}
.btn:hover svg{transform:translateX(4px);}
.btn--brass{background:var(--brass);color:#fff;}
.btn--brass:hover{background:var(--brass-dk);}
.btn--ever{background:var(--ever);color:#F5EFE3;}
.btn--ever:hover{background:var(--ever-3);}
.btn--ghost{border-color:rgba(245,239,227,.5);color:#F5EFE3;}
.btn--ghost:hover{background:#F5EFE3;color:var(--ever);}
.btn--line{border-color:var(--ever);color:var(--ever);}
.btn--line:hover{background:var(--ever);color:#F5EFE3;}
.tlink{font-weight:700;text-decoration:none;color:var(--ever);display:inline-flex;align-items:center;gap:8px;border-bottom:1.5px solid var(--brass);padding-bottom:2px;}
.tlink svg{width:16px;height:16px;transition:transform .2s;}
.tlink:hover svg{transform:translateX(4px);}
.ever .tlink{color:#F5EFE3;}

/* ---------- header ---------- */
.hdr{position:sticky;top:0;z-index:100;background:rgba(251,248,241,.9);backdrop-filter:blur(14px) saturate(130%);-webkit-backdrop-filter:blur(14px) saturate(130%);border-bottom:1px solid var(--line);}
.hdr .wrap{display:flex;align-items:center;gap:24px;height:84px;max-width:1400px;}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ever);flex-shrink:0;}
.logo svg{width:42px;height:42px;flex-shrink:0;}
.logo b{display:block;font-family:var(--serif);font-weight:600;font-size:1.32rem;line-height:1;letter-spacing:-.01em;}
.logo small{display:block;font-size:.66rem;font-weight:700;letter-spacing:.24em;text-transform:uppercase;color:var(--brass-dk);margin-top:5px;}
.nav{display:flex;gap:4px;margin-left:auto;}
.nav a{font-size:.95rem;font-weight:600;text-decoration:none;color:var(--ink-2);padding:10px 13px;border-radius:999px;white-space:nowrap;transition:background .2s,color .2s;}
.nav a:hover{background:var(--ivory);color:var(--ever);}
.nav a[aria-current="page"]{background:var(--ever);color:#F5EFE3;}
.hdr-cta{display:flex;align-items:center;gap:10px;margin-left:6px;}
.hdr-cta .btn{min-height:46px;padding:0 22px;font-size:.92rem;}
.menu-btn{display:none;align-items:center;gap:10px;min-height:48px;padding:0 18px;border-radius:999px;border:1.5px solid var(--ever);background:none;color:var(--ever);font-weight:700;font-size:.92rem;cursor:pointer;}
.menu-btn i{display:grid;gap:5px;}
.menu-btn i span{display:block;width:18px;height:1.5px;background:currentColor;}
@media (max-width:1180px){.nav{display:none;}.menu-btn{display:inline-flex;}.hdr-cta{margin-left:auto;}}
@media (max-width:640px){.hdr-cta .btn{display:none;}.hdr .wrap{height:72px;}.logo b{font-size:1.15rem;}.logo svg{width:38px;height:38px;}}
@media (max-width:359px){.logo small{letter-spacing:.14em;}.menu-btn{padding:0 14px;}.menu-btn em{display:none;}}
.menu-btn em{font-style:normal;}

/* ---------- drawer menu ---------- */
.drawer-bg{position:fixed;inset:0;z-index:300;background:rgba(13,38,32,.55);opacity:0;visibility:hidden;transition:opacity .35s var(--ease),visibility 0s linear .35s;}
.drawer{position:fixed;top:0;right:0;bottom:0;z-index:310;width:min(440px,88%);height:100%;height:100dvh;background:var(--ever) var(--grain);color:#F5EFE3;display:flex;flex-direction:column;padding:calc(18px + env(safe-area-inset-top)) clamp(20px,5vw,36px) calc(24px + env(safe-area-inset-bottom));overflow-y:auto;-webkit-overflow-scrolling:touch;overscroll-behavior:contain;transform:translateX(102%);visibility:hidden;transition:transform .42s var(--ease),visibility 0s linear .42s;}
body.drawer-open .drawer-bg{opacity:1;visibility:visible;transition:opacity .35s var(--ease);}
body.drawer-open .drawer{transform:none;visibility:visible;transition:transform .42s var(--ease);}
body.drawer-open{overflow:hidden;}
.drawer-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:22px;flex-shrink:0;}
.drawer-top .logo{color:#F5EFE3;}
.drawer-top .logo small{color:var(--brass-2);}
.drawer-close{width:48px;height:48px;border-radius:50%;border:1px solid rgba(245,239,227,.35);background:none;color:#F5EFE3;font-size:1.5rem;cursor:pointer;flex-shrink:0;}
.drawer nav{display:flex;flex-direction:column;border-top:1px solid var(--line-d);flex-shrink:0;}
.drawer nav a{display:grid;grid-template-columns:34px minmax(0,1fr);align-items:baseline;gap:8px;padding:13px 0;min-height:52px;border-bottom:1px solid var(--line-d);text-decoration:none;font-family:var(--serif);font-size:clamp(1.3rem,min(5vw,4vh),1.75rem);line-height:1.15;}
.drawer nav a span{font-family:var(--sans);font-size:.74rem;font-weight:700;letter-spacing:.14em;color:var(--brass-2);}
.drawer nav a[aria-current="page"]{color:var(--brass-2);font-style:italic;}
.drawer .btn{margin-top:22px;width:100%;flex-shrink:0;}
.drawer-foot{margin-top:auto;padding-top:22px;font-size:.84rem;color:var(--mute-d);flex-shrink:0;}

/* ---------- home hero ---------- */
.hero{background:var(--ever) var(--grain);color:#F5EFE3;position:relative;overflow:hidden;padding:clamp(56px,7vw,100px) 0 0;}
.hero::before{content:"";position:absolute;right:-12%;top:-30%;width:62vw;height:62vw;border-radius:50%;background:radial-gradient(circle,rgba(178,138,85,.2),rgba(178,138,85,0) 62%);pointer-events:none;}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);gap:clamp(28px,5vw,72px);align-items:center;position:relative;}
.hero h1{font-size:clamp(2.9rem,6.6vw,6.2rem);color:#F8F3E8;line-height:1.02;}
.hero .lede{color:#C9D3CC;}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin:30px 0 26px;}
.hero-trust{display:flex;flex-wrap:wrap;gap:10px 22px;font-size:.88rem;color:var(--mute-d);list-style:none;padding:0;margin:0;}
.hero-trust li{display:flex;align-items:center;gap:8px;}
.hero-trust li::before{content:"";width:6px;height:6px;border-radius:50%;background:var(--brass-2);}
.hero-photo{position:relative;margin-top:clamp(48px,6vw,80px);}
.hero-photo img{width:100%;aspect-ratio:21/8;object-fit:cover;object-position:50% 40%;border-radius:var(--r-lg) var(--r-lg) 0 0;}
@media (max-width:980px){.hero-grid{grid-template-columns:minmax(0,1fr);}}
@media (max-width:640px){.hero-photo img{aspect-ratio:4/3;object-position:62% 50%;}.hero-ctas .btn{flex:1 1 100%;}}

/* ---------- estimator card ---------- */
.est{background:var(--paper);color:var(--ink);border-radius:var(--r-lg);padding:clamp(22px,2.6vw,32px);box-shadow:0 40px 80px -30px rgba(0,0,0,.55);position:relative;}
.est::before{content:"";position:absolute;inset:10px;border:1px solid var(--line);border-radius:calc(var(--r-lg) - 8px);pointer-events:none;}
.est-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:6px;position:relative;}
.est-top span{font-size:.74rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--brass-dk);}
.est-top small{font-size:.76rem;color:var(--muted);}
.est-pay{font-family:var(--serif);font-size:clamp(2.8rem,5vw,3.8rem);line-height:1;color:var(--ever);margin:6px 0 2px;position:relative;font-variation-settings:"opsz" 144;}
.est-pay small{font-family:var(--sans);font-size:1rem;color:var(--muted);font-weight:600;}
.est-sub{font-size:.88rem;color:var(--muted);margin-bottom:18px;position:relative;}
.ctl{position:relative;margin-bottom:16px;}
.ctl-row{display:flex;justify-content:space-between;align-items:baseline;gap:10px;margin-bottom:6px;}
.ctl-row label{font-size:.84rem;font-weight:700;}
.ctl-row output{font-family:var(--serif);font-size:1.15rem;color:var(--ever);}
.range{-webkit-appearance:none;appearance:none;width:100%;height:28px;background:transparent;cursor:pointer;}
.range::-webkit-slider-runnable-track{height:4px;border-radius:2px;background:linear-gradient(90deg,var(--brass) var(--p,0%),var(--sand) var(--p,0%));}
.range::-moz-range-track{height:4px;border-radius:2px;background:var(--sand);}
.range::-moz-range-progress{height:4px;border-radius:2px;background:var(--brass);}
.range::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--ever);border:4px solid var(--paper);box-shadow:0 0 0 1.5px var(--ever),0 4px 10px rgba(0,0,0,.25);margin-top:-10px;}
.range::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:var(--ever);border:4px solid var(--paper);box-shadow:0 0 0 1.5px var(--ever);}
.est-split{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;margin-top:6px;position:relative;}
.est-split div{background:var(--ivory);border-radius:12px;padding:10px 12px;}
.est-split span{display:block;font-size:.68rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);}
.est-split b{font-family:var(--serif);font-weight:500;font-size:1.05rem;color:var(--ever);}
.est .note{position:relative;margin:14px 0 0;font-size:.78rem;}
.est .tlink{position:relative;margin-top:12px;}
@media (max-width:420px){.est-split{grid-template-columns:minmax(0,1fr);}}

/* ---------- marquee of lender types ---------- */
.band{background:var(--ivory);border-bottom:1px solid var(--line);}
.band .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:14px 28px;padding-top:22px;padding-bottom:22px;font-size:.86rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-2);}
.band span{display:flex;align-items:center;gap:10px;}
.band span::before{content:"";width:8px;height:8px;transform:rotate(45deg);background:var(--brass);}

/* ---------- page banner ---------- */
.pb{background:var(--ever) var(--grain);color:#F5EFE3;padding-top:clamp(48px,6vw,88px);position:relative;overflow:hidden;}
.pb::before{content:"";position:absolute;left:-10%;top:-40%;width:50vw;height:50vw;border-radius:50%;background:radial-gradient(circle,rgba(178,138,85,.16),rgba(178,138,85,0) 62%);pointer-events:none;}
.pb-head{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,.7fr);gap:clamp(20px,4vw,64px);align-items:end;position:relative;}
.pb h1{color:#F8F3E8;margin-bottom:.2em;}
.pb p{color:#C9D3CC;font-size:clamp(1.04rem,1.4vw,1.2rem);max-width:56ch;margin:0;}
.crumb{display:flex;flex-wrap:wrap;gap:10px;font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--mute-d);margin-bottom:22px;}
.crumb a{color:var(--brass-2);text-decoration:none;}
.pb-fig{position:relative;margin-top:clamp(36px,5vw,64px);}
.pb-fig img{width:100%;aspect-ratio:12/5;object-fit:cover;border-radius:var(--r-lg) var(--r-lg) 0 0;}
.pb-chip{position:absolute;left:clamp(16px,3vw,32px);top:clamp(16px,3vw,32px);background:var(--paper);color:var(--ever);border-radius:999px;padding:10px 18px;font-size:.84rem;font-weight:700;box-shadow:var(--shadow);display:flex;align-items:center;gap:10px;}
.pb-chip::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--brass);}
@media (max-width:860px){.pb-head{grid-template-columns:minmax(0,1fr);}}
@media (max-width:640px){.pb-fig img{aspect-ratio:4/3;}.pb-chip{font-size:.76rem;padding:8px 14px;}}

/* ---------- navigator ---------- */
.navi{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(20px,4vw,56px);align-items:start;}
.navi-goals{display:grid;gap:10px;}
.goal{display:flex;align-items:center;gap:16px;width:100%;text-align:left;background:var(--white);border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;cursor:pointer;color:var(--ink);transition:border-color .2s,box-shadow .2s,background .2s;}
.goal .gi{width:46px;height:46px;border-radius:50%;background:var(--ivory);display:grid;place-items:center;flex-shrink:0;color:var(--ever);}
.goal .gi svg{width:22px;height:22px;}
.goal b{display:block;font-family:var(--serif);font-weight:500;font-size:1.22rem;line-height:1.15;}
.goal small{display:block;color:var(--muted);font-size:.86rem;}
.goal[aria-pressed="true"]{border-color:var(--ever);background:var(--ever);color:#F5EFE3;box-shadow:var(--shadow);}
.goal[aria-pressed="true"] small{color:var(--mute-d);}
.goal[aria-pressed="true"] .gi{background:var(--brass);color:#fff;}
.navi-panel{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;position:sticky;top:110px;}
.navi-panel img{width:100%;aspect-ratio:16/9;object-fit:cover;}
.navi-body{padding:clamp(22px,3vw,34px);}
.navi-body h3{font-size:clamp(1.6rem,2.6vw,2.2rem);}
.navi-cols{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:18px 0 24px;}
.navi-cols h4{font-family:var(--sans);font-size:.74rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--brass-dk);margin-bottom:10px;}
.navi-cols ul{list-style:none;padding:0;margin:0;display:grid;gap:8px;font-size:.95rem;}
.navi-cols li{display:grid;grid-template-columns:16px minmax(0,1fr);gap:8px;}
.navi-cols li::before{content:"";width:7px;height:7px;margin-top:9px;border-radius:50%;background:var(--brass);}
@media (max-width:960px){.navi{grid-template-columns:minmax(0,1fr);}.navi-panel{position:static;}}
@media (max-width:520px){.navi-cols{grid-template-columns:minmax(0,1fr);}}

/* ---------- arch figures / split ---------- */
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:clamp(28px,5vw,88px);align-items:center;}
.split--flip > :first-child{order:2;}
.arch{position:relative;}
.arch img{width:100%;aspect-ratio:4/5;object-fit:cover;border-radius:999px 999px var(--r) var(--r);}
.arch--wide img{aspect-ratio:1/1;}
.arch .seal{position:absolute;right:-6px;bottom:28px;width:124px;height:124px;border-radius:50%;background:var(--brass);color:#fff;display:grid;place-items:center;text-align:center;font-family:var(--serif);font-size:1rem;line-height:1.15;padding:14px;box-shadow:var(--shadow);}
.arch .seal b{display:block;font-size:2rem;font-weight:500;}
@media (max-width:900px){.split,.split--flip{grid-template-columns:minmax(0,1fr);}.split--flip > :first-child{order:0;}.arch{max-width:520px;}.arch .seal{right:8px;width:108px;height:108px;}}
.ticks{list-style:none;padding:0;margin:22px 0 30px;display:grid;gap:12px;}
.ticks li{display:grid;grid-template-columns:28px minmax(0,1fr);gap:10px;align-items:start;}
.ticks li::before{content:"";width:22px;height:22px;margin-top:2px;border-radius:50%;border:1.5px solid var(--brass);background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23B28A55' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat;}

/* ---------- path cards ---------- */
.paths{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;}
.path{display:flex;flex-direction:column;text-decoration:none;color:var(--ink);background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;transition:transform .3s var(--ease),box-shadow .3s;}
.path:hover{transform:translateY(-6px);box-shadow:var(--shadow);}
.path img{width:100%;aspect-ratio:4/3;object-fit:cover;}
.path-body{padding:22px 22px 24px;display:flex;flex-direction:column;flex:1;}
.path-body .n{font-family:var(--serif);font-style:italic;color:var(--brass);font-size:1.1rem;}
.path-body h3{margin:6px 0 8px;}
.path-body p{color:var(--muted);font-size:.96rem;}
.path-body .tlink{margin-top:auto;align-self:flex-start;}
@media (max-width:1080px){.paths{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media (max-width:560px){.paths{grid-template-columns:minmax(0,1fr);}}

/* ---------- numbers band ---------- */
.facts{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:0;border-top:1px solid var(--line-d);border-bottom:1px solid var(--line-d);}
.fact{padding:clamp(24px,3vw,40px) clamp(14px,2vw,28px);border-right:1px solid var(--line-d);}
.fact:last-child{border-right:0;}
.fact b{display:block;font-family:var(--serif);font-weight:400;font-size:clamp(2.4rem,4.4vw,3.8rem);line-height:1;color:var(--brass-2);margin-bottom:10px;font-variation-settings:"opsz" 144;}
.fact span{font-size:.95rem;color:#C9D3CC;}
@media (max-width:900px){.facts{grid-template-columns:repeat(2,minmax(0,1fr));}.fact:nth-child(2){border-right:0;}.fact:nth-child(-n+2){border-bottom:1px solid var(--line-d);}}
@media (max-width:460px){.facts{grid-template-columns:minmax(0,1fr);}.fact{border-right:0;border-bottom:1px solid var(--line-d);}.fact:last-child{border-bottom:0;}}

/* ---------- cards ---------- */
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px;}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;}
.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;}
@media (max-width:1024px){.grid-4,.grid-3{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media (max-width:620px){.grid-2,.grid-3,.grid-4{grid-template-columns:minmax(0,1fr);}}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,2.4vw,32px);}
.card .ci{width:52px;height:52px;border-radius:50%;border:1px solid var(--brass);color:var(--brass-dk);display:grid;place-items:center;margin-bottom:18px;}
.card .ci svg{width:24px;height:24px;}
.card h3{margin-bottom:8px;}
.card p{color:var(--muted);margin:0;font-size:.98rem;}
.ever .card{background:var(--ever-2);border-color:var(--line-d);}
.ever .card p{color:#BFCBC4;}
.ever .card .ci{color:var(--brass-2);border-color:var(--brass-2);}
.card--num .num{font-family:var(--serif);font-style:italic;font-size:2.4rem;color:var(--brass);line-height:1;display:block;margin-bottom:12px;}

/* ---------- scenarios ---------- */
.scen{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;}
.sc{background:var(--ever-2);border:1px solid var(--line-d);border-radius:var(--r-lg);padding:28px;display:flex;flex-direction:column;gap:12px;}
.sc .tag{align-self:flex-start;font-size:.7rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;background:rgba(207,170,116,.16);color:var(--brass-2);padding:6px 12px;border-radius:999px;}
.sc h3{margin:0;font-size:1.5rem;}
.sc dl{display:grid;grid-template-columns:auto minmax(0,1fr);gap:8px 14px;margin:0;font-size:.94rem;}
.sc dt{color:var(--mute-d);font-weight:700;font-size:.74rem;letter-spacing:.1em;text-transform:uppercase;padding-top:3px;}
.sc dd{margin:0;color:#E2E9E4;}
@media (max-width:1024px){.scen{grid-template-columns:minmax(0,1fr);}}

/* ---------- provinces ---------- */
.prov{display:flex;flex-wrap:wrap;gap:10px;}
.prov span{padding:11px 18px;border-radius:999px;border:1px solid var(--line);background:var(--white);font-weight:600;font-size:.92rem;}
.prov span.on{background:var(--ever);color:#F5EFE3;border-color:var(--ever);}

/* ---------- CTA ---------- */
.cta{padding:clamp(56px,7vw,100px) 0;}
.cta-box{background:var(--ever) var(--grain);color:#F5EFE3;border-radius:clamp(24px,3vw,40px);padding:clamp(32px,5vw,72px);display:grid;grid-template-columns:minmax(0,1.3fr) auto;gap:32px;align-items:center;position:relative;overflow:hidden;}
.cta-box::after{content:"";position:absolute;right:-80px;bottom:-120px;width:340px;height:340px;border-radius:50%;border:1px solid rgba(207,170,116,.35);box-shadow:0 0 0 40px rgba(207,170,116,.06),0 0 0 80px rgba(207,170,116,.04);pointer-events:none;}
.cta-box h2{color:#F8F3E8;margin-bottom:.2em;}
.cta-box p{color:#C9D3CC;margin:0;max-width:56ch;}
.cta-box .btns{display:flex;flex-direction:column;gap:10px;position:relative;z-index:1;}
@media (max-width:860px){.cta-box{grid-template-columns:minmax(0,1fr);}.cta-box .btns .btn{width:100%;}}

/* ---------- footer ---------- */
.ftr{background:var(--ever) var(--grain);color:#BFCBC4;padding-top:clamp(56px,7vw,90px);font-size:.95rem;}
.ftr-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.1fr;gap:clamp(24px,4vw,56px);}
.ftr .logo{color:#F5EFE3;}
.ftr .logo small{color:var(--brass-2);}
.ftr h4{font-family:var(--sans);font-size:.74rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--brass-2);margin-bottom:16px;}
.ftr ul{list-style:none;padding:0;margin:0;display:grid;gap:9px;}
.ftr a{text-decoration:none;color:#BFCBC4;}
.ftr a:hover{color:#fff;}
.disclose{margin-top:clamp(36px,5vw,56px);border:1px solid var(--line-d);border-radius:var(--r);padding:20px 22px;font-size:.84rem;line-height:1.6;color:#A9BAB1;display:grid;grid-template-columns:auto minmax(0,1fr);gap:16px;align-items:start;}
.disclose svg{width:28px;height:28px;color:var(--brass-2);}
.disclose b{color:#E9E4D8;}
.ftr-base{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:1px solid var(--line-d);margin-top:28px;padding:22px 0 calc(22px + env(safe-area-inset-bottom));font-size:.84rem;}
.ftr-base a{color:var(--brass-2);}
@media (max-width:900px){.ftr-grid{grid-template-columns:1fr 1fr;}}
@media (max-width:520px){.ftr-grid{grid-template-columns:minmax(0,1fr);}.disclose{grid-template-columns:minmax(0,1fr);}}

/* ---------- calculators ---------- */
.calc{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:0;background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;}
.calc-in{padding:clamp(22px,3vw,40px);}
.calc-out{background:var(--ever) var(--grain);color:#F5EFE3;padding:clamp(22px,3vw,40px);display:flex;flex-direction:column;}
.calc h3{font-size:clamp(1.6rem,2.4vw,2.1rem);}
.fields{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px 16px;}
.field{min-width:0;}
.field.full{grid-column:1 / -1;}
.field label{display:block;font-size:.82rem;font-weight:700;margin-bottom:6px;color:var(--ink-2);}
.field input,.field select,.field textarea{width:100%;min-height:52px;padding:12px 14px;border:1px solid #CFC3AC;border-radius:12px;background:var(--paper);font-size:16px;color:var(--ink);}
.field textarea{min-height:120px;resize:vertical;}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--ever);outline:none;box-shadow:0 0 0 3px rgba(178,138,85,.3);}
.inp{position:relative;}
.inp > span{position:absolute;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:700;font-size:.95rem;pointer-events:none;}
.inp > span.pre{left:14px;}
.inp > span.suf{right:14px;}
.inp input.has-pre{padding-left:30px;}
.inp input.has-suf{padding-right:34px;}
.check-line{display:flex;align-items:flex-start;gap:12px;font-size:.92rem;cursor:pointer;}
.check-line input{width:22px;height:22px;margin-top:2px;accent-color:var(--ever);flex-shrink:0;}
.hint{font-size:.8rem;color:var(--muted);margin:6px 0 0;}
.warn{display:none;background:#FBEDE6;color:#7A3A22;border:1px solid #EDC3B1;border-radius:10px;padding:10px 12px;font-size:.86rem;margin-top:12px;}
.warn.show{display:block;}
.big{font-family:var(--serif);font-size:clamp(3rem,5.6vw,4.6rem);line-height:1;color:#F8F3E8;margin:8px 0 4px;font-variation-settings:"opsz" 144;}
.big small{font-family:var(--sans);font-size:1rem;color:var(--mute-d);font-weight:600;}
.out-lbl{font-size:.74rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--brass-2);}
.out-rows{display:grid;gap:0;margin:20px 0;border-top:1px solid var(--line-d);}
.out-rows div{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid var(--line-d);font-size:.95rem;}
.out-rows span{color:#BFCBC4;}
.out-rows b{font-weight:700;color:#F8F3E8;text-align:right;}
.chart{margin-top:auto;}
.chart svg{width:100%;height:auto;display:block;}
.chart-legend{display:flex;flex-wrap:wrap;gap:16px;font-size:.78rem;color:var(--mute-d);margin-top:8px;}
.chart-legend i{display:inline-block;width:14px;height:3px;vertical-align:middle;margin-right:6px;}
.meter{margin:16px 0 4px;}
.meter-row{display:flex;justify-content:space-between;font-size:.84rem;color:#BFCBC4;margin-bottom:6px;}
.meter-bar{height:8px;border-radius:4px;background:rgba(245,239,227,.12);position:relative;overflow:hidden;}
.meter-bar i{position:absolute;left:0;top:0;bottom:0;border-radius:4px;background:var(--brass-2);transition:width .4s var(--ease);}
.meter-bar i.over{background:var(--rose);}
.meter-bar::after{content:"";position:absolute;top:-3px;bottom:-3px;width:2px;background:#F8F3E8;left:var(--lim,80%);}
.tabs{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px;}
.tab{min-height:48px;padding:0 22px;border-radius:999px;border:1px solid var(--line);background:var(--white);font-weight:700;font-size:.92rem;cursor:pointer;color:var(--ink);}
.tab[aria-selected="true"]{background:var(--ever);border-color:var(--ever);color:#F5EFE3;}
.panel[hidden]{display:none;}
@media (max-width:960px){.calc{grid-template-columns:minmax(0,1fr);}}
@media (max-width:520px){.fields{grid-template-columns:minmax(0,1fr);}}

/* ---------- min down payment table ---------- */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:var(--white);}
table{width:100%;border-collapse:collapse;min-width:620px;font-size:.96rem;}
th,td{text-align:left;padding:15px 18px;border-bottom:1px solid var(--ivory);vertical-align:top;}
th{font-size:.74rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);background:var(--ivory);}
tr:last-child td{border-bottom:0;}
td:first-child{font-weight:700;}

/* ---------- renewal timeline ---------- */
.renew{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(20px,4vw,56px);align-items:start;}
.renew-in{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,3vw,34px);}
.days{font-family:var(--serif);font-size:clamp(3.6rem,7vw,5.4rem);line-height:1;color:var(--ever);margin:14px 0 4px;font-variation-settings:"opsz" 144;}
.days small{font-family:var(--sans);font-size:1rem;color:var(--muted);font-weight:600;}
.tl{list-style:none;margin:0;padding:0 0 0 28px;position:relative;}
.tl::before{content:"";position:absolute;left:9px;top:8px;bottom:8px;width:2px;background:var(--line);}
.tl li{position:relative;padding:0 0 26px 18px;}
.tl li::before{content:"";position:absolute;left:-26px;top:5px;width:18px;height:18px;border-radius:50%;background:var(--paper);border:2px solid var(--line);}
.tl li.done::before{background:var(--brass);border-color:var(--brass);}
.tl li.now::before{background:var(--ever);border-color:var(--ever);box-shadow:0 0 0 6px rgba(13,38,32,.15);}
.tl li .when{font-size:.74rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--brass-dk);}
.tl li h3{margin:4px 0 4px;font-size:1.3rem;}
.tl li p{margin:0;color:var(--muted);font-size:.96rem;}
.tl li.now h3{color:var(--ever);}
.tl li.now .when::after{content:" · You are here";color:var(--ever);}
@media (max-width:900px){.renew{grid-template-columns:minmax(0,1fr);}}

/* ---------- compare (renew vs switch vs refi) ---------- */
.cmp{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;}
.cmp > div{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:28px;}
.cmp .k{font-family:var(--serif);font-style:italic;color:var(--brass);font-size:1.1rem;}
.cmp h3{margin:6px 0 14px;}
.cmp dl{margin:0;display:grid;gap:10px;}
.cmp dt{font-size:.72rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);}
.cmp dd{margin:0 0 6px;font-size:.96rem;}
@media (max-width:960px){.cmp{grid-template-columns:minmax(0,1fr);}}

/* ---------- specialty tabs ---------- */
.spec{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:clamp(24px,4vw,64px);align-items:center;}
.spec img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--r-lg);}
.spec h3{font-size:clamp(1.8rem,3vw,2.6rem);}
.spec .cols{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:20px;}
.spec h4{font-family:var(--sans);font-size:.74rem;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--brass-dk);margin-bottom:10px;}
.spec ul{margin:0;padding-left:18px;color:var(--ink-2);font-size:.96rem;display:grid;gap:6px;}
@media (max-width:960px){.spec{grid-template-columns:minmax(0,1fr);}}
@media (max-width:520px){.spec .cols{grid-template-columns:minmax(0,1fr);}}

/* ---------- process timeline ---------- */
.steps{position:relative;display:grid;gap:0;}
.steps::before{content:"";position:absolute;left:31px;top:20px;bottom:20px;width:2px;background:var(--line);}
.steps .fillbar{position:absolute;left:31px;top:20px;width:2px;height:0;background:var(--brass);transition:height .2s linear;}
.st{display:grid;grid-template-columns:64px minmax(0,1fr) minmax(0,1fr);gap:clamp(14px,3vw,40px);padding:22px 0;align-items:start;position:relative;}
.st .n{width:64px;height:64px;border-radius:50%;background:var(--paper);border:1.5px solid var(--brass);display:grid;place-items:center;font-family:var(--serif);font-style:italic;font-size:1.4rem;color:var(--brass-dk);position:relative;z-index:1;}
.st h3{margin:14px 0 0;}
.st p{margin:14px 0 0;color:var(--muted);}
@media (max-width:760px){.st{grid-template-columns:64px minmax(0,1fr);}.st p{grid-column:2;margin-top:4px;}}

/* ---------- checklist ---------- */
.chk{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,3vw,36px);}
.chk-prog{display:flex;align-items:center;gap:14px;margin-bottom:12px;font-size:.84rem;font-weight:700;color:var(--muted);}
.chk-prog div{flex:1;height:6px;border-radius:3px;background:var(--ivory);overflow:hidden;}
.chk-prog i{display:block;height:100%;width:0;background:var(--brass);transition:width .3s var(--ease);}
.chk-list{display:grid;grid-template-columns:1fr 1fr;gap:0 28px;}
.chk-list label{display:grid;grid-template-columns:26px minmax(0,1fr);gap:12px;align-items:start;padding:12px 0;border-bottom:1px solid var(--ivory);cursor:pointer;font-size:.98rem;}
.chk-list input{width:20px;height:20px;margin:3px 0 0;accent-color:var(--ever);}
@media (max-width:700px){.chk-list{grid-template-columns:minmax(0,1fr);}}

/* ---------- learn: guides + glossary + faq ---------- */
.guides{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;}
.guide{background:var(--white);border:1px solid var(--line);border-radius:var(--r);}
.guide summary{list-style:none;cursor:pointer;padding:22px 24px;display:grid;grid-template-columns:40px minmax(0,1fr) 30px;gap:12px;align-items:center;min-height:48px;}
.guide summary::-webkit-details-marker{display:none;}
.guide summary .n{font-family:var(--serif);font-style:italic;color:var(--brass);font-size:1.2rem;}
.guide summary b{font-family:var(--serif);font-weight:500;font-size:1.22rem;line-height:1.2;}
.guide summary b small{display:block;font-family:var(--sans);font-size:.86rem;color:var(--muted);font-weight:500;margin-top:4px;}
.guide summary::after{content:"+";width:30px;height:30px;border-radius:50%;border:1px solid var(--line);display:grid;place-items:center;transition:transform .25s var(--ease);}
.guide[open] summary::after{transform:rotate(45deg);background:var(--ever);color:#fff;border-color:var(--ever);}
.guide .gbody{padding:0 24px 22px 76px;color:var(--ink-2);font-size:.96rem;}
.guide .gbody ul{margin:0;padding-left:18px;display:grid;gap:6px;}
@media (max-width:900px){.guides{grid-template-columns:minmax(0,1fr);}}
@media (max-width:480px){.guide .gbody{padding-left:24px;}}
.gloss-search{max-width:520px;margin-bottom:22px;}
.gloss{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;}
.term{background:var(--ever-2);border:1px solid var(--line-d);border-radius:var(--r);padding:20px 22px;}
.term b{display:block;font-family:var(--serif);font-weight:500;font-size:1.2rem;color:#F8F3E8;margin-bottom:6px;}
.term p{margin:0;font-size:.92rem;color:#BFCBC4;}
.term[hidden]{display:none;}
.gloss-empty{color:var(--mute-d);}
@media (max-width:1024px){.gloss{grid-template-columns:repeat(2,minmax(0,1fr));}}
@media (max-width:600px){.gloss{grid-template-columns:minmax(0,1fr);}}
.faq{border-top:1px solid var(--line);}
.faq details{border-bottom:1px solid var(--line);}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:20px;align-items:center;padding:22px 0;font-family:var(--serif);font-size:1.22rem;min-height:48px;}
.faq summary::-webkit-details-marker{display:none;}
.faq summary::after{content:"+";flex-shrink:0;width:36px;height:36px;border-radius:50%;border:1px solid var(--line);display:grid;place-items:center;font-family:var(--sans);transition:transform .25s var(--ease);}
.faq details[open] summary::after{transform:rotate(45deg);background:var(--ever);color:#fff;border-color:var(--ever);}
.faq details p{margin:0 0 22px;color:var(--muted);max-width:74ch;}

/* ---------- contact ---------- */
.contact{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,.7fr);gap:clamp(24px,4vw,56px);align-items:start;}
.form{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(22px,3.4vw,44px);}
.err{display:none;color:#A33A1F;font-size:.84rem;margin:6px 0 0;}
.err.show{display:block;}
.done{background:var(--ever);color:#F5EFE3;border-radius:var(--r-lg);padding:clamp(26px,4vw,44px);}
.done h2{color:#F8F3E8;}
.aside-card{background:var(--ever) var(--grain);color:#E9E4D8;border-radius:var(--r-lg);padding:clamp(22px,3vw,32px);position:sticky;top:110px;}
.aside-card h3{color:#F8F3E8;}
.aside-card dl{display:grid;gap:14px;margin:18px 0 0;}
.aside-card dt{font-size:.72rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--brass-2);}
.aside-card dd{margin:2px 0 0;}
.nxt{list-style:none;margin:24px 0 0;padding:0;display:grid;gap:14px;}
.nxt li{display:grid;grid-template-columns:36px minmax(0,1fr);gap:12px;font-size:.92rem;color:#C9D3CC;}
.nxt li b{display:block;color:#F8F3E8;}
.nxt li span.n{width:36px;height:36px;border-radius:50%;border:1px solid var(--brass-2);display:grid;place-items:center;font-family:var(--serif);font-style:italic;color:var(--brass-2);}
@media (max-width:960px){.contact{grid-template-columns:minmax(0,1fr);}.aside-card{position:static;}}

/* ---------- reveal ---------- */
.js .rv{opacity:0;transform:translateY(28px);transition:opacity .8s var(--ease),transform .8s var(--ease);}
.js .rv.in{opacity:1;transform:none;}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto;}
  .js .rv{opacity:1;transform:none;}
  *,*::before,*::after{transition:none !important;animation:none !important;}
}
.field label.check-line{display:flex;align-items:flex-start;gap:12px;font-weight:600;font-size:.92rem;margin-bottom:0;}