:root {
  --midnight: #071a2d;
  --navy: #0b2238;
  --soft-navy: #102f4a;
  --blue-ink: #173b58;
  --gold: #c99a3d;
  --gold-bright: #e2b95f;
  --gold-shadow: #8a6528;
  --ivory: #f7f1e7;
  --warm-white: #fffbf4;
  --sand: #d8c7a3;
  --slate: #4e5a66;
  --ink: #172332;
  --line: rgba(201, 154, 61, 0.32);
  --shadow: 0 22px 70px rgba(0, 0, 0, 0.22);
  --max: 1240px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

html,
body {
  max-width: 100%;
  overflow-x: hidden;
}

body {
  margin: 0;
  background: var(--midnight);
  color: var(--ivory);
  font-family: "Inter", system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.7;
  letter-spacing: 0;
  text-rendering: optimizeLegibility;
}

body.nav-open {
  overflow: hidden;
}

img {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: inherit;
  text-decoration-color: rgba(226, 185, 95, 0.55);
  text-underline-offset: 0.18em;
}

a:hover {
  color: var(--gold-bright);
}

button,
input,
select,
textarea {
  font: inherit;
}

:focus-visible {
  outline: 3px solid var(--gold-bright);
  outline-offset: 4px;
}

.skip-link {
  position: absolute;
  top: 12px;
  left: 12px;
  z-index: 1000;
  transform: translateY(-180%);
  border-radius: 8px;
  background: var(--warm-white);
  color: var(--midnight);
  padding: 0.75rem 1rem;
  font-weight: 700;
}

.skip-link:focus {
  transform: translateY(0);
}

.site-header {
  position: fixed;
  inset: 0 0 auto;
  z-index: 100;
  border-bottom: 1px solid rgba(201, 154, 61, 0.18);
  background: rgba(7, 26, 45, 0.68);
  backdrop-filter: blur(18px);
  transition: background 180ms ease, box-shadow 180ms ease;
}

.site-header.is-scrolled,
body.nav-open .site-header {
  background: rgba(7, 26, 45, 0.96);
  box-shadow: 0 14px 40px rgba(0, 0, 0, 0.18);
}

.header-shell {
  width: min(var(--max), calc(100% - 48px));
  min-height: 88px;
  margin: 0 auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
}

.brand-link {
  display: inline-flex;
  align-items: center;
  min-width: 210px;
  text-decoration: none;
}

.brand-link img {
  width: 250px;
  height: auto;
  filter: drop-shadow(0 8px 18px rgba(0, 0, 0, 0.16));
}

.site-nav {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0.75rem;
  flex: 1;
}

.nav-links {
  display: flex;
  align-items: center;
  justify-content: flex-end;
  gap: 0.55rem;
}

.nav-group {
  position: relative;
  display: inline-flex;
  align-items: center;
}

.nav-link {
  position: relative;
  display: inline-flex;
  align-items: center;
  min-height: 42px;
  color: rgba(255, 251, 244, 0.84);
  font-size: 0.8rem;
  font-weight: 600;
  text-decoration: none;
  white-space: nowrap;
}

.nav-link::after {
  content: "";
  position: absolute;
  right: 0;
  bottom: 3px;
  left: 0;
  height: 1px;
  transform: scaleX(0);
  transform-origin: center;
  background: var(--gold-bright);
  transition: transform 180ms ease;
}

.nav-link:hover::after,
.nav-link.is-active::after {
  transform: scaleX(1);
}

.nav-link.is-active {
  color: var(--gold-bright);
}

.nav-parent::before {
  content: "";
  position: absolute;
  right: 0.05rem;
  top: 50%;
  width: 0.38rem;
  height: 0.38rem;
  border-right: 1px solid currentColor;
  border-bottom: 1px solid currentColor;
  transform: translateY(-62%) rotate(45deg);
  opacity: 0.8;
}

.nav-parent {
  padding-right: 0.9rem;
}

.nav-menu {
  position: absolute;
  top: calc(100% + 0.3rem);
  left: 50%;
  min-width: 210px;
  transform: translateX(-50%) translateY(6px);
  visibility: hidden;
  opacity: 0;
  display: grid;
  gap: 0.1rem;
  border: 1px solid rgba(226, 185, 95, 0.28);
  border-radius: 8px;
  background: rgba(7, 26, 45, 0.98);
  padding: 0.55rem;
  box-shadow: 0 24px 58px rgba(0, 0, 0, 0.28);
  transition: opacity 160ms ease, transform 160ms ease, visibility 160ms ease;
}

.nav-group:hover .nav-menu,
.nav-group:focus-within .nav-menu {
  visibility: visible;
  opacity: 1;
  transform: translateX(-50%) translateY(0);
}

.nav-menu-link {
  border-radius: 6px;
  color: rgba(255, 251, 244, 0.84);
  font-size: 0.86rem;
  font-weight: 650;
  line-height: 1.25;
  padding: 0.72rem 0.78rem;
  text-decoration: none;
  white-space: nowrap;
}

.nav-menu-link:hover,
.nav-menu-link.is-active {
  background: rgba(226, 185, 95, 0.12);
  color: var(--gold-bright);
}

.nav-actions,
.hero-actions,
.cta-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-wrap: wrap;
}

.nav-actions {
  flex-wrap: nowrap;
}

.nav-actions .button {
  white-space: nowrap;
}

.nav-options {
  min-height: 42px;
  padding-inline: 0.92rem;
}

.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 46px;
  border: 1px solid transparent;
  border-radius: 8px;
  padding: 0.78rem 1.05rem;
  font-size: 0.92rem;
  font-weight: 700;
  line-height: 1.1;
  text-decoration: none;
  cursor: pointer;
  transition: transform 180ms ease, box-shadow 180ms ease, background 180ms ease, border-color 180ms ease;
}

.button:hover {
  transform: translateY(-1px);
}

.button-primary {
  background: linear-gradient(180deg, var(--gold-bright), var(--gold));
  color: #081929;
  box-shadow: 0 12px 28px rgba(201, 154, 61, 0.28);
}

.button-primary:hover {
  color: #081929;
  box-shadow: 0 16px 34px rgba(201, 154, 61, 0.36);
}

.button-outline,
.button-outline-light {
  border-color: rgba(226, 185, 95, 0.72);
  background: rgba(255, 255, 255, 0.04);
  color: var(--ivory);
}

.button-outline:hover,
.button-outline-light:hover {
  border-color: var(--gold-bright);
  background: rgba(226, 185, 95, 0.11);
}

.button-cream {
  background: var(--warm-white);
  color: var(--midnight);
  box-shadow: 0 12px 32px rgba(0, 0, 0, 0.18);
}

.button-cream:hover {
  color: var(--midnight);
}

.mobile-menu-button {
  display: none;
  width: 46px;
  height: 46px;
  border: 1px solid rgba(226, 185, 95, 0.46);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.04);
  color: var(--ivory);
  cursor: pointer;
}

.mobile-menu-button span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 5px auto;
  background: var(--gold-bright);
  transition: transform 180ms ease, opacity 180ms ease;
}

body.nav-open .mobile-menu-button span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

body.nav-open .mobile-menu-button span:nth-child(2) {
  opacity: 0;
}

body.nav-open .mobile-menu-button span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

.hero,
.page-hero {
  position: relative;
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(7, 26, 45, 0.98), rgba(11, 34, 56, 0.96) 48%, rgba(16, 47, 74, 0.96)),
    repeating-linear-gradient(90deg, rgba(226, 185, 95, 0.06) 0 1px, transparent 1px 96px);
}

.hero::before,
.page-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  background:
    linear-gradient(180deg, rgba(255, 251, 244, 0.04), transparent 38%),
    linear-gradient(90deg, transparent, rgba(201, 154, 61, 0.08), transparent);
}

.hero-shell {
  position: relative;
  width: min(var(--max), calc(100% - 48px));
  min-height: 720px;
  margin: 0 auto;
  padding: 152px 0 80px;
  display: grid;
  grid-template-columns: minmax(0, 1.02fr) minmax(340px, 0.82fr);
  align-items: center;
  gap: 4rem;
}

.hero-copy {
  max-width: 720px;
  min-width: 0;
}

.eyebrow {
  margin: 0 0 0.9rem;
  color: var(--gold-bright);
  font-size: 0.76rem;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
}

h1,
h2,
h3,
blockquote {
  font-family: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  font-weight: 600;
  letter-spacing: 0;
  overflow-wrap: break-word;
}

h1 {
  margin: 0;
  color: var(--warm-white);
  font-size: 4.65rem;
  line-height: 0.98;
}

.hero-lede,
.page-hero p {
  max-width: 660px;
  margin: 1.35rem 0 0;
  color: rgba(247, 241, 231, 0.86);
  font-size: 1.08rem;
}

.hero-actions {
  margin-top: 2rem;
}

.hero-compliance {
  max-width: 660px;
  margin-top: 1.15rem;
}

.compliance-note {
  color: rgba(247, 241, 231, 0.74);
  font-size: 0.82rem;
  line-height: 1.55;
}

.hero-visual {
  justify-self: center;
  width: min(100%, 425px);
  max-width: 100%;
}

.portrait-arch,
.portrait-panel {
  width: 100%;
  border: 1px solid rgba(226, 185, 95, 0.5);
  border-radius: 210px 210px 8px 8px;
  padding: 8px;
  background: linear-gradient(180deg, rgba(255, 251, 244, 0.06), rgba(255, 251, 244, 0.02));
  box-shadow: var(--shadow);
}

.portrait-arch img,
.portrait-panel img {
  width: 100%;
  border-radius: 202px 202px 6px 6px;
}

.hero-credentials {
  margin: 1rem auto 0;
  padding: 1rem 1.1rem;
  border: 1px solid rgba(226, 185, 95, 0.28);
  border-radius: 8px;
  background: rgba(7, 26, 45, 0.52);
  text-align: center;
}

.hero-credentials p {
  margin: 0.15rem 0;
  color: var(--ivory);
}

.hero-credentials p:first-child {
  color: var(--gold-bright);
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.7rem;
  line-height: 1.1;
}

.page-hero-shell {
  position: relative;
  width: min(var(--max), calc(100% - 48px));
  min-height: 470px;
  margin: 0 auto;
  padding: 150px 0 72px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 300px;
  align-items: center;
  gap: 3rem;
}

.page-hero h1 {
  max-width: 780px;
  font-size: 4rem;
}

.page-hero-mark {
  justify-self: end;
  max-width: 100%;
  opacity: 0.55;
}

.page-hero-mark img {
  max-height: 220px;
  object-fit: contain;
}

.page-hero-portrait {
  opacity: 1;
  max-width: 260px;
}

.page-hero-portrait img {
  border: 1px solid rgba(226, 185, 95, 0.44);
  border-radius: 140px 140px 8px 8px;
  box-shadow: var(--shadow);
}

.trust-bar {
  border-top: 1px solid rgba(226, 185, 95, 0.2);
  border-bottom: 1px solid rgba(226, 185, 95, 0.16);
  background: rgba(7, 26, 45, 0.94);
}

.trust-shell {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
  padding: 0.82rem 0;
  display: flex;
  justify-content: center;
  gap: 0.8rem 1.05rem;
  flex-wrap: wrap;
}

.trust-shell span {
  display: inline-flex;
  min-height: 0;
  align-items: center;
  color: rgba(247, 241, 231, 0.78);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.trust-shell span::before {
  content: "";
  width: 0.32rem;
  height: 0.32rem;
  margin-right: 0.55rem;
  transform: rotate(45deg);
  background: var(--gold);
}

.trust-shell span:first-child::before {
  display: none;
}

.section {
  padding: 92px 0;
  background: var(--warm-white);
  color: var(--ink);
}

.section-cream {
  background: var(--ivory);
}

.section-navy {
  background:
    linear-gradient(135deg, var(--midnight), var(--navy) 56%, var(--soft-navy)),
    repeating-linear-gradient(90deg, rgba(226, 185, 95, 0.05) 0 1px, transparent 1px 110px);
  color: var(--ivory);
}

.section-shell {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
}

.narrow-shell {
  max-width: 860px;
}

.section-intro {
  max-width: 780px;
  margin: 0 auto 3rem;
  text-align: center;
}

.section-intro-left {
  margin-inline: 0;
  text-align: left;
}

.section-intro h2,
.split-copy h2,
.cta-band h2 {
  margin: 0;
  color: var(--midnight);
  font-size: 3rem;
  line-height: 1.05;
}

.section-navy .section-intro h2,
.section-navy .split-copy h2,
.cta-band h2 {
  color: var(--warm-white);
}

.section-intro p,
.split-copy p,
.legal-block p {
  color: var(--slate);
  font-size: 1rem;
}

.section-navy .section-intro p,
.section-navy .split-copy p {
  color: rgba(247, 241, 231, 0.78);
}

.section:not(.section-navy) .compliance-note {
  color: #5f6872;
}

.card-grid,
.resource-grid,
.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1rem;
}

.info-card,
.resource-card,
.testimonial-card,
.cost-list-panel,
.quote-panel,
.contact-cards article,
.contact-form,
.legal-block {
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  background: rgba(255, 251, 244, 0.78);
  box-shadow: 0 16px 44px rgba(23, 35, 50, 0.08);
}

.info-card,
.resource-card,
.testimonial-card {
  padding: 1.35rem;
}

.info-card-link {
  display: block;
  color: inherit;
  text-decoration: none;
}

.info-card-link:hover {
  transform: translateY(-2px);
  border-color: rgba(201, 154, 61, 0.5);
  color: inherit;
}

.section-navy .info-card,
.section-navy .resource-card,
.section-navy .testimonial-card,
.section-navy .cost-list-panel,
.section-navy .quote-panel {
  background: rgba(255, 251, 244, 0.06);
  border-color: rgba(226, 185, 95, 0.28);
  box-shadow: 0 24px 62px rgba(0, 0, 0, 0.16);
}

.info-card h3,
.resource-card h3,
.cost-list-panel h3,
.quote-panel p {
  margin: 0 0 0.75rem;
  color: var(--midnight);
  font-size: 1.55rem;
  line-height: 1.08;
}

.section-navy .info-card h3,
.section-navy .resource-card h3,
.section-navy .cost-list-panel h3,
.section-navy .quote-panel p {
  color: var(--warm-white);
}

.info-card p,
.resource-card p,
.testimonial-card p,
.cost-list-panel p {
  margin: 0;
  color: var(--slate);
}

.section-navy .info-card p,
.section-navy .resource-card p,
.section-navy .cost-list-panel p {
  color: rgba(247, 241, 231, 0.76);
}

.card-link-text {
  display: inline-flex;
  margin-top: 1rem;
  color: var(--gold-shadow);
  font-size: 0.82rem;
  font-weight: 800;
}

.section-navy .card-link-text {
  color: var(--gold-bright);
}

.card-kicker {
  margin: 0 0 0.65rem;
  color: var(--gold-shadow);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.section-navy .card-kicker {
  color: var(--gold-bright);
}

.comparison-table {
  overflow: hidden;
  border: 1px solid rgba(226, 185, 95, 0.28);
  border-radius: 8px;
  background: rgba(7, 26, 45, 0.36);
  box-shadow: var(--shadow);
}

.comparison-row {
  display: grid;
  grid-template-columns: 0.85fr 1fr 1.2fr 1.1fr;
}

.comparison-row > div {
  min-height: 76px;
  border-right: 1px solid rgba(226, 185, 95, 0.16);
  border-bottom: 1px solid rgba(226, 185, 95, 0.16);
  padding: 1rem;
  color: rgba(247, 241, 231, 0.84);
}

.comparison-row > div:last-child {
  border-right: 0;
}

.comparison-head > div {
  min-height: auto;
  background: rgba(226, 185, 95, 0.12);
  color: var(--gold-bright);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.comparison-highlight > div {
  background: rgba(226, 185, 95, 0.08);
  color: var(--warm-white);
  font-weight: 600;
}

.timeline {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  counter-reset: timeline;
}

.timeline-item {
  position: relative;
  min-height: 230px;
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  padding: 1.35rem;
  background: #fff7eb;
  box-shadow: 0 16px 44px rgba(23, 35, 50, 0.07);
}

.timeline-item span {
  display: inline-flex;
  width: 42px;
  height: 42px;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  border: 1px solid rgba(201, 154, 61, 0.5);
  border-radius: 50%;
  color: var(--gold-shadow);
  font-weight: 800;
}

.timeline-item h3 {
  margin: 0 0 0.55rem;
  color: var(--midnight);
  font-size: 1.45rem;
  line-height: 1.08;
}

.timeline-item p {
  margin: 0;
  color: var(--slate);
}

.split-shell {
  display: grid;
  grid-template-columns: minmax(0, 0.98fr) minmax(320px, 0.82fr);
  align-items: center;
  gap: 3rem;
}

.feature-reverse .split-shell {
  grid-template-columns: minmax(320px, 0.82fr) minmax(0, 0.98fr);
}

.feature-reverse .split-copy {
  order: 2;
}

.feature-reverse .split-panel {
  order: 1;
}

.split-copy h2 {
  margin-bottom: 1rem;
}

.split-copy,
.split-panel,
.section-intro,
.comparison-row > div,
.timeline-item,
.info-card,
.resource-card,
.testimonial-card,
.cost-list-panel,
.quote-panel,
.contact-form {
  min-width: 0;
}

.split-copy .button {
  margin-top: 1.1rem;
}

.split-panel {
  justify-self: center;
}

.quote-panel {
  position: relative;
  overflow: hidden;
  padding: 2rem;
  background: linear-gradient(135deg, var(--midnight), var(--soft-navy));
  color: var(--ivory);
}

.quote-panel img {
  width: 230px;
  margin: 0 auto 1.25rem;
  opacity: 0.72;
}

.quote-panel p {
  margin: 0;
  color: var(--warm-white);
  font-size: 2rem;
  line-height: 1.12;
  text-align: center;
}

.check-list,
.gold-list {
  list-style: none;
  margin: 1.35rem 0 0;
  padding: 0;
  display: grid;
  gap: 0.65rem;
}

.check-list.two-column {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.check-list li,
.gold-list li {
  position: relative;
  padding-left: 1.35rem;
  color: var(--slate);
}

.section-navy .check-list li,
.section-navy .gold-list li {
  color: rgba(247, 241, 231, 0.82);
}

.check-list li::before,
.gold-list li::before {
  content: "";
  position: absolute;
  left: 0;
  top: 0.72em;
  width: 7px;
  height: 7px;
  transform: rotate(45deg);
  background: var(--gold);
}

.cost-list-panel {
  padding: 2rem;
  background: rgba(255, 251, 244, 0.08);
}

.light-panel {
  background: #fff7eb;
}

.testimonials-section {
  position: relative;
}

.testimonial-grid {
  grid-template-columns: repeat(2, minmax(0, 1fr));
}

.page-reviews .testimonial-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.testimonial-card {
  margin: 0;
  background: var(--warm-white);
}

.testimonial-card blockquote {
  margin: 0 0 1rem;
  color: var(--midnight);
  font-size: 1.5rem;
  line-height: 1.18;
}

.testimonial-card figcaption {
  color: var(--gold-shadow);
  font-weight: 800;
}

.review-source-grid {
  margin-top: 1rem;
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.review-source-card {
  display: block;
  border: 1px solid rgba(201, 154, 61, 0.28);
  border-radius: 8px;
  padding: 1.25rem;
  background: rgba(255, 251, 244, 0.78);
  color: var(--ink);
  text-decoration: none;
  box-shadow: 0 16px 44px rgba(23, 35, 50, 0.08);
}

.review-source-card:hover {
  border-color: rgba(201, 154, 61, 0.58);
  color: var(--ink);
}

.review-source-card span {
  display: block;
  margin-bottom: 0.35rem;
  color: var(--gold-shadow);
  font-size: 0.72rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.review-source-card strong {
  display: block;
  color: var(--midnight);
  font-family: "Cormorant Garamond", Georgia, serif;
  font-size: 1.5rem;
  line-height: 1.08;
}

.review-source-card p {
  margin: 0.65rem 0 0;
  color: var(--slate);
}

.about-preview .portrait-panel {
  max-width: 390px;
}

.cta-band {
  padding: 78px 0;
  background:
    linear-gradient(135deg, #061628, #0a2035 54%, #143955),
    repeating-linear-gradient(90deg, rgba(226, 185, 95, 0.05) 0 1px, transparent 1px 92px);
  color: var(--ivory);
}

.cta-shell {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: center;
  gap: 2rem;
}

.cta-shell p {
  max-width: 640px;
  margin: 1rem 0 0;
  color: rgba(247, 241, 231, 0.82);
}

.contact-shell {
  display: grid;
  grid-template-columns: minmax(0, 0.82fr) minmax(420px, 1fr);
  align-items: start;
  gap: 2rem;
}

.contact-cards {
  display: grid;
  gap: 0.85rem;
  margin: 1.5rem 0;
}

.contact-cards article {
  padding: 1.1rem;
}

.contact-cards p {
  margin: 0 0 0.25rem;
  color: var(--slate);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.contact-cards a {
  color: var(--midnight);
  font-family: "Inter", system-ui, sans-serif;
  font-size: 1.12rem;
  font-weight: 700;
  text-decoration-thickness: 1px;
}

.contact-form {
  display: grid;
  gap: 1rem;
  padding: 1.35rem;
  background: #fff8ed;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.contact-form label {
  display: grid;
  gap: 0.38rem;
  color: var(--midnight);
  font-weight: 700;
}

.contact-form [hidden] {
  display: none !important;
}

.contact-form label span {
  font-size: 0.9rem;
}

.conditional-panel {
  display: grid;
  gap: 1rem;
  margin: 0;
  padding: 1rem;
  border: 1px solid rgba(201, 154, 61, 0.34);
  border-radius: 8px;
  background: rgba(247, 241, 231, 0.74);
}

.conditional-panel[hidden] {
  display: none;
}

.conditional-panel legend {
  padding: 0 0.35rem;
  color: var(--midnight);
  font-family: var(--font-display);
  font-size: 1.28rem;
  font-weight: 700;
}

.form-helper {
  margin: 0;
  color: var(--slate);
  font-size: 0.9rem;
  line-height: 1.55;
}

.form-grid-full {
  grid-column: 1 / -1;
}

.contact-form input,
.contact-form select,
.contact-form textarea,
.calculator-card input,
.calculator-card select {
  width: 100%;
  border: 1px solid rgba(23, 35, 50, 0.18);
  border-radius: 8px;
  background: var(--warm-white);
  color: var(--ink);
  padding: 0.82rem 0.9rem;
}

.contact-form textarea {
  resize: vertical;
}

.form-honeypot {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.turnstile-wrap {
  width: 100%;
  min-height: 65px;
}

.turnstile-wrap .cf-turnstile {
  width: 100%;
}

.form-disclaimer {
  margin: 0;
  color: var(--slate);
  font-size: 0.82rem;
  line-height: 1.55;
}

.form-status {
  min-height: 1.35rem;
  margin: 0;
  color: var(--slate);
  font-size: 0.92rem;
  font-weight: 700;
}

.form-status[data-state="success"] {
  color: #1f6b45;
}

.form-status[data-state="error"] {
  color: #9b2f2f;
}

.form-status[data-state="pending"] {
  color: var(--antique-gold);
}

.contact-form button:disabled {
  cursor: wait;
  opacity: 0.72;
}

.resource-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.resource-card {
  min-height: 230px;
  display: flex;
  flex-direction: column;
}

.resource-card a {
  margin-top: auto;
  color: var(--gold-shadow);
  font-weight: 800;
}

.subnav {
  display: flex;
  gap: 0.55rem;
  flex-wrap: wrap;
  align-items: center;
  border: 1px solid rgba(201, 154, 61, 0.22);
  border-radius: 8px;
  background: rgba(255, 248, 237, 0.72);
  padding: 0.65rem;
}

.subnav a {
  border-radius: 6px;
  color: var(--midnight);
  font-size: 0.88rem;
  font-weight: 800;
  line-height: 1.2;
  padding: 0.58rem 0.72rem;
  text-decoration: none;
}

.subnav a:hover,
.subnav a[aria-current="page"] {
  background: rgba(201, 154, 61, 0.16);
  color: #6f4d15;
}

.section-compact {
  padding: 30px 0 0;
  background: var(--ivory);
}

.calculator-library-grid {
  grid-template-columns: repeat(3, minmax(0, 1fr));
}

.calculator-detail-shell,
.article-shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, 0.42fr);
  align-items: start;
  gap: 1.25rem;
}

.calculator-detail-main .calculator-card {
  box-shadow: 0 20px 58px rgba(23, 35, 50, 0.1);
}

.calculator-explainer,
.article-aside,
.takeaway-panel {
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  background: #fff8ed;
  padding: 1.35rem;
}

.calculator-explainer {
  position: sticky;
  top: 110px;
}

.calculator-explainer h2,
.article-body h2,
.article-aside h2,
.takeaway-panel h2 {
  margin: 0 0 0.7rem;
  color: var(--midnight);
  font-size: 1.85rem;
  line-height: 1.05;
}

.calculator-explainer h3 {
  margin: 1.25rem 0 0.55rem;
  color: var(--midnight);
  font-family: "Inter", system-ui, sans-serif;
  font-size: 0.92rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.calculator-explainer p,
.article-body p,
.article-aside a {
  color: var(--slate);
}

.article-body {
  border: 1px solid rgba(201, 154, 61, 0.18);
  border-radius: 8px;
  background: var(--warm-white);
  padding: clamp(1.25rem, 3vw, 2.4rem);
}

.article-meta {
  margin: 0 0 0.8rem;
  color: var(--gold-shadow);
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.article-lede {
  margin-top: 0;
  color: var(--ink);
  font-size: 1.15rem;
}

.article-block {
  margin-top: 2rem;
}

.article-block p {
  margin-bottom: 0;
}

.article-aside {
  display: grid;
  gap: 0.55rem;
  position: sticky;
  top: 110px;
}

.article-aside a {
  border-top: 1px solid rgba(201, 154, 61, 0.18);
  padding-top: 0.55rem;
  font-weight: 750;
  text-decoration: none;
}

.calculator-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 1rem;
}

.calculator-card {
  border: 1px solid rgba(201, 154, 61, 0.24);
  border-radius: 8px;
  background: #fff8ed;
  box-shadow: 0 16px 44px rgba(23, 35, 50, 0.08);
}

.calculator-card form {
  display: grid;
  gap: 1rem;
  padding: 1.35rem;
}

.calculator-heading h3 {
  margin: 0 0 0.55rem;
  color: var(--midnight);
  font-size: 1.7rem;
  line-height: 1.06;
}

.calculator-heading p {
  margin: 0;
  color: var(--slate);
}

.calculator-fields {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.85rem;
}

.calculator-fields label {
  display: grid;
  gap: 0.35rem;
  color: var(--midnight);
  font-size: 0.88rem;
  font-weight: 800;
}

.input-affix {
  position: relative;
}

.input-affix input {
  padding-right: 4.8rem;
}

.input-affix em {
  position: absolute;
  right: 0.85rem;
  top: 50%;
  transform: translateY(-50%);
  color: #6d7782;
  font-size: 0.75rem;
  font-style: normal;
  font-weight: 800;
  pointer-events: none;
}

.calculator-result {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0.6rem;
}

.calculator-result div {
  min-height: 96px;
  border: 1px solid rgba(201, 154, 61, 0.22);
  border-radius: 8px;
  padding: 0.85rem;
  background: rgba(7, 26, 45, 0.04);
}

.calculator-result span,
.calculator-result small {
  display: block;
  color: var(--slate);
  font-size: 0.76rem;
  font-weight: 800;
  line-height: 1.35;
}

.calculator-result strong {
  display: block;
  margin-top: 0.25rem;
  color: var(--midnight);
  font-size: 1rem;
  line-height: 1.22;
}

.calculator-result small {
  margin-top: 0.35rem;
  font-weight: 600;
}

.calculator-disclaimer {
  margin: 1.25rem 0 0;
  color: #5f6872;
  font-size: 0.8rem;
  line-height: 1.6;
}

.legal-block {
  padding: 1.6rem;
  margin-bottom: 1rem;
  background: #fff8ed;
}

.legal-block h2 {
  margin: 0 0 0.5rem;
  color: var(--midnight);
  font-size: 2rem;
  line-height: 1.1;
}

.site-footer {
  border-top: 1px solid rgba(226, 185, 95, 0.24);
  background: #061526;
  color: rgba(247, 241, 231, 0.82);
}

.footer-shell {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
  padding: 60px 0 38px;
  display: grid;
  grid-template-columns: 1.15fr 1.18fr 0.72fr 0.78fr;
  gap: 2rem;
}

.footer-brand img {
  width: 250px;
  margin-bottom: 1rem;
}

.footer-brand p,
.footer-column p {
  margin: 0.35rem 0;
}

.footer-column h2 {
  margin: 0 0 0.8rem;
  color: var(--gold-bright);
  font-family: "Inter", system-ui, sans-serif;
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

.footer-column span {
  color: var(--sand);
  font-weight: 700;
}

.footer-contact-line {
  display: flex;
  gap: 0.35rem;
  flex-wrap: wrap;
  align-items: baseline;
}

.footer-nowrap {
  white-space: nowrap;
}

.footer-column a {
  overflow-wrap: anywhere;
}

.footer-column .footer-nowrap {
  overflow-wrap: normal;
}

.equal-housing {
  color: var(--sand);
  font-weight: 700;
}

.footer-bottom {
  width: min(var(--max), calc(100% - 48px));
  margin: 0 auto;
  padding: 22px 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  border-top: 1px solid rgba(226, 185, 95, 0.16);
  color: rgba(247, 241, 231, 0.68);
  font-size: 0.85rem;
}

.footer-bottom p {
  margin: 0;
}

.footer-bottom div {
  display: flex;
  gap: 1rem;
  flex-wrap: wrap;
}

@media (max-width: 1180px) {
  .header-shell {
    min-height: 78px;
  }

  .brand-link img {
    width: 210px;
  }

  .mobile-menu-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    flex-direction: column;
    flex: 0 0 46px;
  }

  .site-nav {
    position: absolute;
    top: 100%;
    right: 0;
    left: 0;
    max-height: 0;
    overflow: hidden;
    display: block;
    border-bottom: 1px solid rgba(226, 185, 95, 0.24);
    background: rgba(7, 26, 45, 0.98);
    transition: max-height 220ms ease;
  }

  body.nav-open .site-nav {
    max-height: calc(100vh - 78px);
    overflow-y: auto;
  }

  .nav-links,
  .nav-actions {
    width: min(var(--max), calc(100% - 48px));
    margin: 0 auto;
  }

  .nav-links {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 0.2rem 1rem;
    padding: 1rem 0 0.75rem;
  }

  .nav-group {
    display: grid;
    align-items: stretch;
  }

  .nav-link {
    min-height: 44px;
    font-size: 0.95rem;
  }

  .nav-parent {
    padding-right: 0;
  }

  .nav-parent::before {
    display: none;
  }

  .nav-menu {
    position: static;
    visibility: visible;
    opacity: 1;
    min-width: 0;
    transform: none;
    border: 0;
    background: transparent;
    box-shadow: none;
    padding: 0 0 0 0.75rem;
  }

  .nav-menu-link {
    padding: 0.36rem 0;
    color: rgba(255, 251, 244, 0.68);
    font-size: 0.85rem;
  }

  .nav-menu-link:hover,
  .nav-menu-link.is-active {
    background: transparent;
  }

  .nav-actions {
    padding: 0 0 1.35rem;
    flex-wrap: wrap;
  }

  .hero-shell,
  .page-hero-shell,
  .split-shell,
  .feature-reverse .split-shell,
  .contact-shell,
  .cta-shell {
    grid-template-columns: 1fr;
  }

  .feature-reverse .split-copy,
  .feature-reverse .split-panel {
    order: initial;
  }

  .hero-shell {
    gap: 2.5rem;
    padding-top: 132px;
  }

  .page-hero-shell {
    padding-top: 132px;
  }

  .page-hero-mark {
    justify-self: start;
    opacity: 0.42;
  }

  .card-grid,
  .loan-grid,
  .page-reviews .testimonial-grid,
  .resource-grid,
  .review-source-grid,
  .calculator-grid,
  .calculator-library-grid,
  .calculator-detail-shell,
  .article-shell {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .timeline {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .footer-shell {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 760px) {
  .header-shell,
  .hero-shell,
  .page-hero-shell,
  .section-shell,
  .cta-shell,
  .trust-shell,
  .footer-shell,
  .footer-bottom,
  .nav-links,
  .nav-actions {
    width: min(var(--max), calc(100% - 32px));
  }

  .brand-link {
    min-width: 0;
  }

  .brand-link img {
    width: 176px;
  }

  h1,
  .page-hero h1 {
    font-size: 2.72rem;
    line-height: 1;
  }

  .hero-shell {
    min-height: auto;
    padding: 118px 0 54px;
  }

  .page-hero-shell {
    min-height: auto;
    padding: 118px 0 54px;
  }

  .hero-lede,
  .page-hero p {
    font-size: 1rem;
  }

  .section {
    padding: 66px 0;
  }

  .section-intro {
    margin-bottom: 2rem;
    text-align: left;
  }

  .section-intro h2,
  .split-copy h2,
  .cta-band h2 {
    font-size: 2.45rem;
  }

  .card-grid,
  .loan-grid,
  .testimonial-grid,
  .page-reviews .testimonial-grid,
  .resource-grid,
  .review-source-grid,
  .calculator-library-grid,
  .calculator-detail-shell,
  .article-shell,
  .calculator-grid,
  .calculator-fields,
  .calculator-result,
  .timeline,
  .form-grid,
  .footer-shell {
    grid-template-columns: 1fr;
  }

  .calculator-explainer,
  .article-aside {
    position: static;
  }

  .comparison-table {
    border: 0;
    background: transparent;
    box-shadow: none;
  }

  .comparison-row.comparison-head {
    display: none;
  }

  .comparison-row {
    display: grid;
    grid-template-columns: 1fr;
    margin-bottom: 1rem;
    overflow: hidden;
    border: 1px solid rgba(226, 185, 95, 0.28);
    border-radius: 8px;
    background: rgba(7, 26, 45, 0.38);
  }

  .comparison-row > div {
    min-height: auto;
    border-right: 0;
    display: grid;
    gap: 0.25rem;
  }

  .comparison-row > div::before {
    content: attr(data-label);
    color: var(--gold-bright);
    font-size: 0.72rem;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
  }

  .button {
    width: 100%;
  }

  .nav-actions .button {
    width: auto;
  }

  .hero-actions,
  .cta-actions {
    width: 100%;
  }

  .hero-visual {
    width: min(100%, 320px);
  }

  .check-list.two-column {
    grid-template-columns: 1fr;
  }

  .contact-cards a {
    font-size: 1rem;
    overflow-wrap: anywhere;
  }

  .footer-bottom {
    align-items: flex-start;
    flex-direction: column;
  }
}

@media (max-width: 520px) {
  .header-shell,
  .hero-shell,
  .page-hero-shell,
  .section-shell,
  .cta-shell,
  .trust-shell,
  .footer-shell,
  .footer-bottom,
  .nav-links,
  .nav-actions {
    width: min(358px, calc(100% - 32px));
    margin-left: 16px;
    margin-right: auto;
  }

  .nav-links {
    grid-template-columns: 1fr;
  }

  .brand-link img {
    width: 150px;
  }

  h1,
  .page-hero h1 {
    font-size: 2.34rem;
  }

  .section-intro h2,
  .split-copy h2,
  .cta-band h2 {
    font-size: 2.12rem;
  }

  .quote-panel p {
    font-size: 1.55rem;
  }

  .trust-shell {
    justify-content: flex-start;
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}