:root{
    --ink:#0D1B2A;        /* deep navy */
    --navy-2:#1F2A5E;     /* royal navy */
    --blue:#2E94C8;       /* ocean blue */
    --blue-deep:#1E6E99;  /* darker ocean for gradients/hover */
    --blue-soft:#E8F2F9;  /* tinted blue surface */
    --gray:#8E8E8E;       /* silver gray */
    --green:#1C6B57;      /* dark emerald accent */
    --green-deep:#134E3B; /* deeper green for gradients/hover */
    --green-soft:#E5F1ED; /* tinted green surface */
    --bg:#F7F8FA;
    --bg-2:#EDF1F5;
    --card:#FFFFFF;
    --border:#E4E9EF;
    --border-strong:#D2DAE3;
    --text:#33414F;
    --muted:#6A7785;
    --ink-glow:rgba(46,148,200,.16);
    --shadow-sm:0 1px 2px rgba(13,27,42,.05);
    --shadow:0 14px 40px -18px rgba(13,27,42,.28);
    --shadow-lg:0 30px 70px -28px rgba(13,27,42,.4);
    --r:18px;
    --r-lg:24px;
    --maxw:1180px;
    --ease:cubic-bezier(.22,1,.36,1);
  }
  *{box-sizing:border-box;margin:0;padding:0}
  html{scroll-behavior:smooth}
  body{
    font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
    color:var(--text);
    background:var(--bg);
    line-height:1.65;
    -webkit-font-smoothing:antialiased;
    overflow-x:hidden;
  }
  h1,h2,h3,h4,.font-display{font-family:'Sora',sans-serif;color:var(--ink);letter-spacing:-.02em;line-height:1.08}
  a{color:inherit;text-decoration:none}
  img,svg{display:block;max-width:100%}
  ::selection{background:var(--blue);color:#fff}

  /* ---------- layout ---------- */
  .wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
  .section{padding:104px 0}
  .section.tight{padding:72px 0}
  .eyebrow{
    display:inline-flex;align-items:center;gap:9px;
    font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
    color:var(--green);margin-bottom:18px;
  }
  .eyebrow::before{content:"";width:22px;height:0;border-top:2px solid var(--green);transform:skewY(-20deg);display:inline-block}
  h2.h{font-size:clamp(1.9rem,3.6vw,2.85rem);font-weight:700;margin-bottom:18px;max-width:18ch}
  .lead{font-size:1.075rem;color:var(--muted);max-width:60ch}
  .center{text-align:center}
  .center .eyebrow,.center h2.h{margin-left:auto;margin-right:auto}
  .center .lead{margin-left:auto;margin-right:auto}

  /* ---------- buttons ---------- */
  .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:9px;
    font-family:'Inter',sans-serif;font-weight:600;font-size:.97rem;
    padding:14px 26px;border-radius:12px;cursor:pointer;border:1px solid transparent;
    transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .2s,color .2s;
    white-space:nowrap;
  }
  .btn svg{width:17px;height:17px}
  .btn-primary{
    background:linear-gradient(135deg,var(--green) 0%,var(--green-deep) 100%);
    color:#fff;box-shadow:0 12px 26px -12px rgba(28,107,87,.7);
  }
  .btn-primary:hover{transform:translateY(-2px);box-shadow:0 18px 34px -12px rgba(28,107,87,.8)}
  .btn-ghost{background:transparent;color:var(--ink);border-color:var(--border-strong)}
  .btn-ghost:hover{border-color:var(--ink);transform:translateY(-2px)}
  .btn-light{background:#fff;color:var(--ink)}
  .btn-light:hover{transform:translateY(-2px);box-shadow:var(--shadow)}
  .btn-outline-light{background:transparent;color:var(--ink);border-color:var(--border-strong)}
  .btn-outline-light:hover{border-color:var(--ink);background:rgba(13,27,42,.04);transform:translateY(-2px)}
  .btn-lg{padding:16px 32px;font-size:1.02rem}

  /* ---------- nav ---------- */
  header.nav{position:sticky;top:0;z-index:90;background:rgba(229,240,250,.8);backdrop-filter:blur(14px);border-bottom:1px solid transparent;transition:border-color .3s,background .3s}
  header.nav.scrolled{border-color:var(--border);background:rgba(229,240,250,.94)}
  .nav-inner{display:flex;align-items:center;justify-content:space-between;height:74px}
  .brand{display:flex;align-items:center;gap:12px;cursor:pointer}
  .brand .mark{width:34px;height:38px;flex:none}
  .brand .wordmark{font-family:'Montserrat',sans-serif;font-weight:700;letter-spacing:.12em;font-size:1.02rem;color:var(--ink);line-height:1}
  .brand .wordmark small{display:block;font-size:.52rem;letter-spacing:.34em;color:var(--gray);font-weight:600;margin-top:3px}
  .nav-links{display:flex;align-items:center;gap:6px}
  .nav-links a{padding:9px 14px;border-radius:9px;font-size:.93rem;font-weight:500;color:var(--text);transition:color .2s,background .2s;cursor:pointer}
  .nav-links a:hover{color:var(--ink);background:rgba(13,27,42,.04)}
  .nav-links a.active{color:var(--blue-deep);font-weight:600}
  .nav-cta{display:flex;align-items:center;gap:10px}
  .hamburger{display:none;background:none;border:none;cursor:pointer;padding:8px;color:var(--ink)}
  .hamburger svg{width:26px;height:26px}

  /* mobile drawer */
  .drawer{position:fixed;inset:0;z-index:100;background:rgba(8,17,28,.5);opacity:0;pointer-events:none;transition:opacity .3s}
  .drawer.open{opacity:1;pointer-events:auto}
  .drawer-panel{position:absolute;top:0;right:0;height:100%;width:min(86%,340px);background:#fff;padding:26px 24px;transform:translateX(100%);transition:transform .35s var(--ease);display:flex;flex-direction:column;gap:6px}
  .drawer.open .drawer-panel{transform:translateX(0)}
  .drawer-panel .x{align-self:flex-end;background:none;border:none;cursor:pointer;color:var(--ink);padding:6px;margin-bottom:8px}
  .drawer-panel a{padding:14px 12px;border-radius:10px;font-weight:500;font-size:1.05rem;border-bottom:1px solid var(--border)}
  .drawer-panel a:last-of-type{border-bottom:none}
  .drawer-panel .btn{margin-top:18px}

  /* ---------- pages ---------- */
  [data-page]{display:block;animation:pagein .5s var(--ease)}
  
  @keyframes pagein{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}

  /* ---------- hero ---------- */
  .hero{position:relative;padding:70px 0 90px;overflow:hidden}
  .hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:center}
  .hero h1{font-size:clamp(2.5rem,5.4vw,4.05rem);font-weight:800;margin-bottom:22px}
  .hero h1 .accent{color:var(--blue-deep)}
  .hero .lead{font-size:1.15rem;margin-bottom:32px}
  .hero-ctas{display:flex;gap:14px;flex-wrap:wrap}
  .hero-note{margin-top:22px;font-size:.84rem;color:var(--muted);display:flex;align-items:center;gap:8px}
  .hero-note svg{width:15px;height:15px;color:var(--blue)}

  /* hero visual : stacked planes + dashboard card */
  .hero-visual{position:relative;height:440px}
  .planes{position:absolute;inset:0}
  .plane{position:absolute;border-radius:18px;transform:skewY(-20deg)}
  .glow{position:absolute;width:520px;height:520px;border-radius:50%;
    background:radial-gradient(circle,var(--ink-glow),transparent 65%);
    top:-120px;right:-120px;z-index:-1}
  .glow::after{content:"";position:absolute;width:340px;height:340px;border-radius:50%;
    background:radial-gradient(circle,rgba(142,142,142,.12),transparent 68%);bottom:-260px;left:-120px}
  .dash{
    position:absolute;background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);
    box-shadow:var(--shadow-lg);padding:22px 24px;
  }
  .dash-main{top:46px;right:0;width:300px;z-index:3}
  .dash-row{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
  .dash-row .k{font-size:.78rem;color:var(--muted);font-weight:500}
  .dash-tag{font-size:.66rem;font-weight:600;color:var(--blue-deep);background:var(--blue-soft);padding:4px 9px;border-radius:20px}
  .dash-val{font-family:'Sora',sans-serif;font-weight:700;font-size:2.1rem;color:var(--ink);letter-spacing:-.03em;font-variant-numeric:tabular-nums}
  .dash-val span{font-size:.9rem;color:var(--muted);font-weight:500}
  .dash-bars{display:flex;align-items:flex-end;gap:7px;height:62px;margin:16px 0 14px}
  .dash-bars i{flex:1;border-radius:5px 5px 2px 2px;background:linear-gradient(180deg,var(--blue),var(--blue-deep));opacity:.9}
  .dash-foot{display:flex;justify-content:space-between;font-size:.72rem;color:var(--muted);border-top:1px solid var(--border);padding-top:12px}
  .dash-mini{top:300px;left:0;width:228px;z-index:4;padding:18px 20px}
  .dash-mini .meter{height:8px;border-radius:8px;background:var(--bg-2);overflow:hidden;margin:12px 0 8px}
  .dash-mini .meter i{display:block;height:100%;width:72%;border-radius:8px;background:linear-gradient(90deg,var(--blue),var(--navy-2))}
  .dash-mini small{font-size:.72rem;color:var(--muted)}

  /* ---------- photography ---------- */
  /* framed hero photo (right column) */
  .hero-photo{position:relative;height:460px;border-radius:var(--r-lg);overflow:hidden;
    box-shadow:var(--shadow-lg);border:1px solid var(--border)}
  .hero-photo>img{width:100%;height:100%;object-fit:cover;display:block}
  .hero-photo::after{content:"";position:absolute;inset:0;
    background:linear-gradient(160deg,rgba(13,27,42,0) 45%,rgba(13,27,42,.55) 100%)}
  /* skewed accent bar echoing the logo, tucked behind the frame */
  .hero-photo-wrap{position:relative}
  .hero-photo-wrap::before{content:"";position:absolute;width:120px;height:120px;border-radius:22px;
    background:linear-gradient(135deg,var(--blue),var(--blue-deep));transform:skewY(-20deg);
    top:-26px;right:-22px;z-index:-1;opacity:.9}
  /* floating glass stat chip on a photo */
  .photo-chip{position:absolute;left:20px;bottom:20px;z-index:2;
    background:rgba(255,255,255,.92);backdrop-filter:blur(8px);
    border:1px solid rgba(255,255,255,.7);border-radius:16px;
    padding:14px 18px;box-shadow:0 18px 40px -18px rgba(13,27,42,.5);min-width:190px}
  .photo-chip .k{font-size:.72rem;color:var(--muted);font-weight:500;display:block;margin-bottom:2px}
  .photo-chip .v{font-family:'Sora',sans-serif;font-weight:700;font-size:1.5rem;color:var(--ink);
    letter-spacing:-.02em;font-variant-numeric:tabular-nums}
  .photo-chip .v span{font-size:.78rem;color:var(--muted);font-weight:500}
  .photo-chip .tag{font-size:.62rem;font-weight:600;color:var(--blue-deep);
    background:var(--blue-soft);padding:3px 8px;border-radius:20px;float:right;margin-top:3px}

  /* property gallery (commercial) */
  .pgallery{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px}
  .pcard{position:relative;border-radius:var(--r);overflow:hidden;height:240px;
    box-shadow:var(--shadow);border:1px solid var(--border)}
  .pcard>img{width:100%;height:100%;object-fit:cover;display:block;
    transition:transform .6s var(--ease)}
  .pcard:hover>img{transform:scale(1.05)}
  .pcard::after{content:"";position:absolute;inset:0;
    background:linear-gradient(180deg,rgba(13,27,42,0) 40%,rgba(13,27,42,.78) 100%)}
  .pcard .cap{position:absolute;left:18px;bottom:16px;z-index:2;color:#fff}
  .pcard .cap b{font-family:'Sora',sans-serif;font-size:1.05rem;display:block}
  .pcard .cap small{font-size:.8rem;color:#cdd7e0}

  /* homeowners strip */
  .owners{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:8px}
  .owners figure{position:relative;border-radius:var(--r);overflow:hidden;height:300px;
    box-shadow:var(--shadow);border:1px solid var(--border)}
  .owners img{width:100%;height:100%;object-fit:cover;display:block}

  /* ---------- trust bar ---------- */
  .trust{border-top:1px solid var(--border);border-bottom:1px solid var(--border);background:#fff}
  .trust-inner{display:flex;flex-wrap:wrap;gap:14px 34px;justify-content:center;padding:26px 0}
  .trust-item{display:flex;align-items:center;gap:10px;font-size:.9rem;font-weight:500;color:var(--text)}
  .trust-item svg{width:18px;height:18px;color:var(--green);flex:none}

  /* ---------- trust badges ---------- */
  .badges{display:flex;flex-wrap:wrap;justify-content:center;gap:14px;padding:26px 0 4px}
  .badge{display:flex;align-items:center;gap:11px;background:#fff;border:1px solid var(--border);
    border-radius:14px;padding:12px 18px;box-shadow:var(--shadow-sm);transition:transform .3s var(--ease),box-shadow .3s}
  .badge:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
  .badge .bi{flex:none;width:34px;height:34px;border-radius:9px;display:grid;place-items:center;
    background:var(--green-soft);color:var(--green)}
  .badge .bi svg{width:18px;height:18px}
  .badge .bt b{display:block;font-family:'Sora',sans-serif;font-size:.92rem;font-weight:600;color:var(--ink);line-height:1.1}
  .badge .bt small{font-size:.74rem;color:var(--muted)}

  /* ---------- stat row ---------- */
  .stat-row{display:flex;flex-wrap:wrap;justify-content:center;gap:16px;margin-bottom:40px}
  .stat-pill{flex:1;min-width:180px;max-width:240px;text-align:center;background:#fff;border:1px solid var(--border);
    border-radius:var(--r);padding:26px 22px;box-shadow:var(--shadow-sm);position:relative;overflow:hidden}
  .stat-pill.accent{border-color:#cfe4f1;background:linear-gradient(180deg,#fff,var(--blue-soft))}
  .stat-pill.accent::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--blue),var(--green))}
  .stat-pill .num{font-family:'Sora',sans-serif;font-weight:800;font-size:2.6rem;letter-spacing:-.03em;color:var(--ink);line-height:1;font-variant-numeric:tabular-nums}
  .stat-pill.accent .num{color:var(--green)}
  .stat-pill .num .u{font-size:1rem;font-weight:600;color:var(--muted);margin-left:3px}
  .stat-pill .cap{font-size:.9rem;color:var(--muted);margin-top:8px}

  /* ---------- cards grid ---------- */
  .grid{display:grid;gap:22px}
  .g3{grid-template-columns:repeat(3,1fr)}
  .g2{grid-template-columns:repeat(2,1fr)}
  .card{
    background:var(--card);border:1px solid var(--border);border-radius:var(--r);padding:30px 28px;
    transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s;position:relative;overflow:hidden;
  }
  .card::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;
    background:linear-gradient(90deg,var(--blue),var(--green));transform:scaleX(0);transform-origin:left;
    transition:transform .4s var(--ease)}
  .card:hover::before{transform:scaleX(1)}
  .card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--border-strong)}
  .card .ic{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:var(--blue-soft);color:var(--blue-deep);margin-bottom:18px}
  .card .ic svg{width:23px;height:23px}
  .card h3{font-size:1.2rem;font-weight:600;margin-bottom:9px}
  .card p{font-size:.95rem;color:var(--muted)}
  .card .more{margin-top:16px;font-size:.88rem;font-weight:600;color:var(--blue-deep);display:inline-flex;align-items:center;gap:6px}
  .card .more svg{width:15px;height:15px;transition:transform .25s}
  .card:hover .more svg{transform:translateX(4px)}

  /* program cards */
  .prog-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(246px,1fr));gap:18px}
  .prog-card{position:relative;overflow:hidden;background:var(--card);border:1px solid var(--border);
    border-radius:var(--r);padding:26px 22px;
    transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s}
  .prog-card::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;
    background:linear-gradient(90deg,var(--blue),var(--green));transform:scaleX(0);transform-origin:left;
    transition:transform .4s var(--ease)}
  .prog-card:hover::before{transform:scaleX(1)}
  .prog-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--border-strong)}
  .prog-ic{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;
    background:var(--blue-soft);color:var(--blue-deep);margin-bottom:15px;
    transition:background .35s var(--ease),color .35s var(--ease)}
  .prog-ic svg{width:22px;height:22px}
  .prog-card:hover .prog-ic{background:var(--green-soft);color:var(--green)}
  .prog-tag{display:inline-block;font-size:.68rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
    color:var(--green);margin-bottom:7px}
  .prog-card h3{font-size:1.12rem;font-weight:600;margin-bottom:7px}
  .prog-card p{font-size:.91rem;color:var(--muted);line-height:1.55}

  /* benefit cards (numbered, sophisticated) */
  .benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
  .benefit-card{position:relative;overflow:hidden;background:var(--card);border:1px solid var(--border);
    border-radius:var(--r);padding:32px 28px;
    transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s}
  .benefit-card::before{content:"";position:absolute;top:0;left:0;right:0;height:3px;
    background:linear-gradient(90deg,var(--blue),var(--green));transform:scaleX(0);transform-origin:left;
    transition:transform .4s var(--ease)}
  .benefit-card:hover::before{transform:scaleX(1)}
  .benefit-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--border-strong)}
  .benefit-idx{position:absolute;top:24px;right:26px;font-family:'Sora',sans-serif;font-weight:800;
    font-size:1.5rem;letter-spacing:-.02em;color:var(--green);opacity:.16;line-height:1}
  .benefit-ic{width:50px;height:50px;border-radius:13px;display:grid;place-items:center;
    background:var(--blue-soft);color:var(--blue-deep);margin-bottom:18px;
    transition:background .35s var(--ease),color .35s var(--ease)}
  .benefit-ic svg{width:25px;height:25px}
  .benefit-card:hover .benefit-ic{background:var(--green-soft);color:var(--green)}
  .benefit-card h3{font-size:1.18rem;font-weight:600;margin-bottom:9px}
  .benefit-card p{font-size:.95rem;color:var(--muted);line-height:1.6}

  /* feature list */
  .feat{display:grid;grid-template-columns:repeat(3,1fr);gap:28px 36px}
  .feat-item{display:flex;gap:15px}
  .feat-item .n{flex:none;width:38px;height:38px;border-radius:10px;background:var(--ink);color:#fff;display:grid;place-items:center}
  .feat-item .n svg{width:19px;height:19px;color:var(--blue)}
  .feat-item h4{font-size:1.05rem;font-weight:600;margin-bottom:5px}
  .feat-item p{font-size:.92rem;color:var(--muted)}

  /* ---------- dark sections ---------- */
  .dark{background:linear-gradient(165deg,#EFF5FB 0%,#E4EEF7 55%,#DCE8F3 100%);color:var(--text);position:relative;overflow:hidden}
  .dark::before{content:"";position:absolute;width:560px;height:560px;border-radius:50%;
    background:radial-gradient(circle,rgba(46,148,200,.16),transparent 70%);top:-220px;right:-160px;pointer-events:none}
  .dark h1,.dark h2,.dark h3,.dark h4{color:var(--ink)}
  .dark .lead{color:var(--muted)}
  .dark .eyebrow{color:var(--green)}
  .dark .eyebrow::before{border-color:var(--green)}

  /* education split */
  .edu-grid{display:grid;grid-template-columns:1fr 1fr;gap:54px;align-items:center}
  .edu-list{display:flex;flex-direction:column;gap:4px}
  .edu-list .row{padding:20px 0;border-bottom:1px solid var(--border-strong);display:flex;gap:16px}
  .edu-list .row:last-child{border-bottom:none}
  .edu-list .row .dot{flex:none;width:28px;height:28px;border-radius:8px;background:var(--blue-soft);color:var(--blue-deep);display:grid;place-items:center;font-size:.8rem;font-weight:700;font-family:'Sora'}
  .edu-list .row h4{font-size:1.02rem;font-weight:600;margin-bottom:3px}
  .edu-list .row p{font-size:.9rem;color:var(--muted)}
  .edu-card{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);padding:34px;box-shadow:var(--shadow);position:relative}
  .edu-card::before{content:"";position:absolute;top:0;left:34px;right:34px;height:3px;border-radius:0 0 4px 4px;background:linear-gradient(90deg,var(--blue),var(--green))}
  .edu-card .stat{margin-bottom:24px}
  .edu-card .stat:last-child{margin-bottom:0}
  .edu-card .stat .big{font-family:'Sora';font-weight:700;font-size:2.2rem;color:var(--ink);letter-spacing:-.03em}
  .edu-card .stat .lbl{font-size:.88rem;color:var(--muted)}

  /* ---------- process (ascending bars) ---------- */
  .proc{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;align-items:end;margin-top:48px}
  .step{position:relative}
  .step .bar{height:var(--h);border-radius:14px 14px 8px 8px;transform:skewY(-9deg);transform-origin:bottom;
    background:linear-gradient(180deg,rgba(46,148,200,.16),rgba(46,148,200,.04));border:1px solid var(--border);margin-bottom:22px;
    display:flex;align-items:flex-start;justify-content:center;padding-top:16px}
  .step:nth-child(1) .bar{--h:120px}
  .step:nth-child(2) .bar{--h:150px}
  .step:nth-child(3) .bar{--h:180px}
  .step:nth-child(4) .bar{--h:210px}
  .step:nth-child(5) .bar{--h:240px;background:linear-gradient(180deg,var(--green),var(--green-deep));border-color:transparent}
  .step .num{font-family:'Sora';font-weight:800;font-size:1.4rem;color:var(--blue-deep);transform:skewY(9deg)}
  .step:nth-child(5) .num{color:#fff}
  .step h4{font-size:1rem;font-weight:600;margin-bottom:5px}
  .step p{font-size:.86rem;color:var(--muted)}

  /* ---------- not-sure band ---------- */
  .band{background:linear-gradient(120deg,#EAF3FB 0%,#DDEAF5 100%);border:1px solid var(--border);border-radius:var(--r-lg);padding:56px;display:flex;justify-content:space-between;align-items:center;gap:40px;color:var(--ink);position:relative;overflow:hidden;box-shadow:var(--shadow)}
  .band::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:linear-gradient(180deg,var(--blue),var(--green))}
  .band h2{color:var(--ink);font-size:clamp(1.6rem,3vw,2.2rem);font-weight:700;max-width:24ch;margin-bottom:12px}
  .band p{color:var(--muted);max-width:48ch;font-size:1rem}
  .band .band-mark{position:absolute;right:-30px;bottom:-60px;opacity:.5;width:280px;height:280px}

  /* ---------- testimonials ---------- */
  .quote{background:#fff;border:1px solid var(--border);border-radius:var(--r);padding:30px 28px;transition:transform .35s var(--ease),box-shadow .35s}
  .quote:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
  .quote .stars{color:var(--blue);letter-spacing:2px;margin-bottom:14px;font-size:.95rem}
  .quote p{font-size:1rem;color:var(--text);margin-bottom:20px}
  .quote .who{display:flex;align-items:center;gap:12px}
  .quote .av{width:42px;height:42px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--navy-2));color:#fff;display:grid;place-items:center;font-weight:700;font-family:'Sora';font-size:.95rem}
  .quote .who b{font-size:.92rem;color:var(--ink);font-weight:600;display:block}
  .quote .who small{font-size:.8rem;color:var(--muted)}

  /* ---------- FAQ ---------- */
  .faq{max-width:820px;margin:0 auto}
  .faq-item{border:1px solid var(--border);border-radius:14px;margin-bottom:12px;background:#fff;overflow:hidden;transition:border-color .25s,box-shadow .25s}
  .faq-item.open{border-color:var(--border-strong);box-shadow:var(--shadow-sm)}
  .faq-q{width:100%;text-align:left;background:none;border:none;cursor:pointer;padding:20px 22px;display:flex;justify-content:space-between;align-items:center;gap:18px;font-family:'Sora';font-weight:600;font-size:1.02rem;color:var(--ink)}
  .faq-q .pm{flex:none;width:24px;height:24px;border-radius:50%;background:var(--blue-soft);color:var(--blue-deep);display:grid;place-items:center;transition:transform .3s}
  .faq-item.open .faq-q .pm{transform:rotate(45deg)}
  .faq-a{max-height:0;overflow:hidden;transition:max-height .35s var(--ease)}
  .faq-a div{padding:0 22px 22px;color:var(--muted);font-size:.96rem}

  /* ---------- tabs (mortgage) ---------- */
  .tabs{display:inline-flex;background:var(--bg-2);padding:6px;border-radius:14px;gap:4px;margin-bottom:40px}
  .tab{padding:12px 30px;border-radius:10px;border:none;background:none;cursor:pointer;font-family:'Sora';font-weight:600;font-size:1rem;color:var(--muted);transition:all .25s}
  .tab.active{background:#fff;color:var(--ink);box-shadow:var(--shadow-sm)}
  .tab-panel{display:none}
  .tab-panel.active{display:block;animation:pagein .4s var(--ease)}
  .checklist{display:grid;grid-template-columns:1fr 1fr;gap:16px 28px;margin:8px 0 30px}
  .checklist li{list-style:none;display:flex;gap:12px;align-items:flex-start;font-size:.98rem;color:var(--text)}
  .checklist li svg{flex:none;width:20px;height:20px;color:var(--green);margin-top:2px}

  /* ---------- calculator ---------- */
  .calc{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow);display:grid;grid-template-columns:1.1fr .9fr}
  .calc-inputs{padding:38px}
  .calc-out{background:radial-gradient(120% 120% at 100% 0%,var(--navy-2),var(--ink));padding:38px;color:#fff}
  .field{margin-bottom:18px}
  .field label{display:flex;justify-content:space-between;font-size:.85rem;font-weight:500;color:var(--text);margin-bottom:7px}
  .field label span{color:var(--muted)}
  .input-wrap{position:relative}
  .input-wrap .pre{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:.95rem}
  .input-wrap .post{position:absolute;right:14px;top:50%;transform:translateY(-50%);color:var(--muted);font-size:.95rem}
  .field input,.field select{
    width:100%;padding:12px 14px;border:1px solid var(--border-strong);border-radius:10px;
    font-family:'Inter';font-size:1rem;color:var(--ink);background:#fff;transition:border-color .2s,box-shadow .2s;
  }
  .field input.pad{padding-left:30px}
  .field input:focus,.field select:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px var(--ink-glow)}
  .calc-grid2{display:grid;grid-template-columns:1fr 1fr;gap:0 18px}
  .out-total{border-bottom:1px solid rgba(255,255,255,.14);padding-bottom:24px;margin-bottom:24px}
  .out-total .lbl{font-size:.85rem;color:#9aa7b6;margin-bottom:6px}
  .out-total .amt{font-family:'Sora';font-weight:800;font-size:3rem;letter-spacing:-.03em;color:#fff;font-variant-numeric:tabular-nums}
  .out-total .amt span{font-size:1.1rem;color:#9aa7b6;font-weight:500}
  .out-line{display:flex;justify-content:space-between;align-items:center;padding:11px 0;font-size:.92rem}
  .out-line .ll{display:flex;align-items:center;gap:10px;color:#cdd6e0}
  .out-line .sw{width:11px;height:11px;border-radius:3px;flex:none}
  .out-line .vv{font-weight:600;color:#fff;font-variant-numeric:tabular-nums}
  .metrics{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:8px}
  .metric{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:12px;padding:16px}
  .metric .mk{font-size:.72rem;color:#9aa7b6;letter-spacing:.04em;text-transform:uppercase;margin-bottom:6px}
  .metric .mv{font-family:'Sora';font-weight:700;font-size:1.5rem;color:#fff;font-variant-numeric:tabular-nums}
  .disclaimer{font-size:.78rem;color:var(--muted);max-width:860px;margin:18px auto 0;text-align:center;line-height:1.6}

  /* ---------- pills / chips ---------- */
  .chips{display:flex;flex-wrap:wrap;gap:10px}
  .chip{background:#fff;border:1px solid var(--border);border-radius:30px;padding:10px 18px;font-size:.9rem;font-weight:500;color:var(--text);display:flex;align-items:center;gap:8px;transition:border-color .25s,transform .25s}
  .chip:hover{border-color:var(--blue);transform:translateY(-2px)}
  .chip .d{width:8px;height:8px;border-radius:50%;background:var(--blue)}

  /* doc list */
  .docs{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
  .doc{display:flex;gap:14px;align-items:flex-start;background:#fff;border:1px solid var(--border);border-radius:14px;padding:18px 20px}
  .doc svg{flex:none;width:22px;height:22px;color:var(--blue-deep);margin-top:2px}
  .doc h4{font-size:.98rem;font-weight:600;margin-bottom:3px}
  .doc p{font-size:.85rem;color:var(--muted)}

  /* ---------- resources ---------- */
  .res-card{display:block;text-decoration:none;color:inherit;background:#fff;border:1px solid var(--border);border-radius:var(--r);overflow:hidden;transition:transform .35s var(--ease),box-shadow .35s;cursor:pointer}
  .res-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
  .res-top{height:96px;position:relative;overflow:hidden;border-bottom:1px solid var(--border)}
  .res-top .pl{position:absolute;border-radius:8px;transform:skewY(-20deg)}
  .res-body{padding:24px}
  .res-cat{font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--green);margin-bottom:10px;display:block}
  .res-card h3{font-size:1.12rem;font-weight:600;margin-bottom:8px;color:var(--ink)}
  .res-card p{font-size:.9rem;color:var(--muted)}
  .res-card .more{margin-top:14px;font-size:.85rem;font-weight:600;color:var(--blue-deep);display:inline-flex;gap:6px;align-items:center}
  .res-card:hover .more{color:var(--green)}
  .res-card .more svg{transition:transform .25s}
  .res-card:hover .more svg{transform:translateX(4px)}

  /* ---------- form ---------- */
  .form-card{background:#fff;border:1px solid var(--border);border-radius:var(--r-lg);padding:38px;box-shadow:var(--shadow)}
  .form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
  .form-card .field input,.form-card .field select,.form-card .field textarea{width:100%}
  .form-card textarea{padding:12px 14px;border:1px solid var(--border-strong);border-radius:10px;font-family:'Inter';font-size:1rem;resize:vertical;min-height:120px}
  .form-card textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px var(--ink-glow)}
  .form-note{font-size:.8rem;color:var(--muted);margin-top:8px}

  /* what-happens steps */
  .wh{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:wh}
  .wh-item{position:relative;padding-top:8px}
  .wh-item .c{width:44px;height:44px;border-radius:12px;background:var(--blue-soft);color:var(--blue-deep);font-family:'Sora';font-weight:700;display:grid;place-items:center;margin-bottom:16px;font-size:1.1rem}
  .wh-item h4{font-size:1.02rem;font-weight:600;margin-bottom:6px}
  .wh-item p{font-size:.9rem;color:var(--muted)}

  /* ---------- final CTA ---------- */
  .final{text-align:center}
  .final h2{color:var(--ink);font-size:clamp(2rem,4vw,3rem);font-weight:800;margin-bottom:18px;max-width:20ch;margin-left:auto;margin-right:auto}
  .final .lead{color:#6A7785;margin-bottom:32px}
  .final-ctas{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

  /* ---------- footer ---------- */
  footer{background:linear-gradient(180deg,#F2F6FB 0%,#E9F0F8 100%);color:var(--muted);padding:72px 0 36px;border-top:1px solid var(--border)}
  .foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px;border-bottom:1px solid var(--border-strong)}
  footer .wordmark{font-family:'Montserrat';font-weight:700;letter-spacing:.12em;color:var(--ink);font-size:1.05rem;margin-bottom:14px}
  footer .wordmark small{display:block;font-size:.52rem;letter-spacing:.34em;color:var(--blue-deep);margin-top:4px;font-weight:600}
  footer p.desc{font-size:.9rem;max-width:34ch;margin-bottom:20px}
  .foot-addr{display:flex;align-items:flex-start;gap:9px;font-size:.9rem;color:var(--muted);margin-bottom:22px;line-height:1.5;max-width:34ch}
  .foot-addr svg{flex:none;width:17px;height:17px;color:var(--green);margin-top:2px}
  .foot-addr a{color:var(--muted);text-decoration:none;transition:color .2s}
  .foot-addr a:hover{color:var(--green)}
  .foot-col h5{color:var(--ink);font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;font-weight:600;margin-bottom:16px;font-family:'Inter'}
  .foot-col a{display:block;font-size:.92rem;margin-bottom:11px;color:var(--muted);cursor:pointer;transition:color .2s}
  .foot-col a:hover{color:var(--blue-deep)}
  .foot-brand .btn{margin-top:4px}
  .legal{padding-top:30px;font-size:.78rem;color:#7c8a9a;line-height:1.7}
  .legal .nmls{color:var(--text);margin-bottom:14px;font-weight:500}
  .legal .row2{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;margin-top:20px;padding-top:18px;border-top:1px solid var(--border)}

  /* ---------- sticky mobile CTA ---------- */
  .sticky-cta{position:fixed;bottom:0;left:0;right:0;z-index:80;background:#fff;border-top:1px solid var(--border);padding:12px 16px;display:none;box-shadow:0 -8px 24px -12px rgba(13,27,42,.2)}
  .sticky-cta .btn{width:100%}

  /* reveal */
  [data-reveal]{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
  [data-reveal].in{opacity:1;transform:none}
  [data-reveal][data-d="1"]{transition-delay:.08s}
  [data-reveal][data-d="2"]{transition-delay:.16s}
  [data-reveal][data-d="3"]{transition-delay:.24s}
  [data-reveal][data-d="4"]{transition-delay:.32s}

  /* ---------- responsive ---------- */
  /* ---------- article / blog ---------- */
  .wrap-narrow{max-width:768px;margin:0 auto;padding:0 24px}
  .article-head{padding:52px 0 32px;background:linear-gradient(180deg,var(--blue-soft),rgba(232,242,249,0))}
  .back-link{display:inline-flex;align-items:center;gap:6px;color:var(--blue-deep);font-weight:600;font-size:.9rem;text-decoration:none;transition:color .2s,gap .2s}
  .back-link:hover{color:var(--green);gap:9px}
  .article-cat{display:inline-block;margin-top:20px;font-size:.72rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--green)}
  .article-head h1{font-family:'Sora',sans-serif;font-size:clamp(1.95rem,4vw,2.7rem);font-weight:700;letter-spacing:-.02em;margin:11px 0 16px;line-height:1.13;color:var(--ink)}
  .article-dek{font-size:1.16rem;color:var(--muted);line-height:1.55;max-width:60ch}
  .article-meta{margin-top:20px;font-size:.85rem;color:var(--gray);font-weight:500}
  .article-body{padding:38px 24px 72px}
  .article-body p{font-size:1.07rem;line-height:1.78;color:var(--text);margin-bottom:20px}
  .article-body h2{font-family:'Sora',sans-serif;font-size:1.52rem;font-weight:700;letter-spacing:-.01em;margin:42px 0 14px;color:var(--ink)}
  .article-body h3{font-size:1.18rem;font-weight:600;margin:30px 0 10px;color:var(--ink)}
  .article-body ul{margin:0 0 24px;padding:0;list-style:none}
  .article-body li{position:relative;padding-left:30px;margin-bottom:13px;font-size:1.05rem;line-height:1.65;color:var(--text)}
  .article-body li::before{content:"";position:absolute;left:5px;top:9px;width:8px;height:8px;border-radius:2px;background:var(--green);transform:rotate(45deg)}
  .article-body strong{color:var(--ink);font-weight:600}
  .article-callout{background:var(--green-soft);border-left:3px solid var(--green);border-radius:0 12px 12px 0;padding:18px 22px;margin:26px 0;font-size:1.02rem;line-height:1.65;color:var(--ink)}
  .article-note{margin-top:42px;font-size:.85rem;line-height:1.6;color:var(--muted);border-top:1px solid var(--border);padding-top:22px}
  .article-cta{margin-top:34px;background:linear-gradient(135deg,var(--ink),var(--navy-2));border-radius:var(--r);padding:38px 32px;text-align:center}
  .article-cta h3{color:#fff;font-family:'Sora',sans-serif;font-size:1.42rem;font-weight:700;margin-bottom:9px}
  .article-cta p{color:#cdd7e1;margin-bottom:22px;font-size:1.02rem}
  .cta-row{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

  @media (max-width:960px){
    .hero-grid,.edu-grid,.calc{grid-template-columns:1fr}
    .hero-visual{height:380px;margin-top:20px}
    .hero-photo{height:320px;margin-top:26px}
    .pgallery{grid-template-columns:repeat(2,1fr)}
    .g3,.feat,.wh{grid-template-columns:repeat(2,1fr)}
    .benefit-grid{grid-template-columns:repeat(2,1fr)}
    .proc{grid-template-columns:1fr;gap:14px}
    .step .bar{--h:auto!important;min-height:78px;transform:none;margin-bottom:0}
    .step .num{transform:none}
    .step{display:grid;grid-template-columns:78px 1fr;gap:16px;align-items:center}
    .step .bar{margin-bottom:0}
    .band{flex-direction:column;align-items:flex-start;padding:38px}
    .foot-grid{grid-template-columns:1fr 1fr}
    .nav-links{display:none}
    .hamburger{display:block}
    .nav-cta .btn{display:none}
  }
  @media (max-width:600px){
    .section{padding:68px 0}
    .g3,.g2,.feat,.checklist,.docs,.wh,.calc-grid2,.form-row{grid-template-columns:1fr}
    .benefit-grid{grid-template-columns:1fr}
    .pgallery,.owners{grid-template-columns:1fr}
    .calc-inputs,.calc-out{padding:26px}
    .metrics{grid-template-columns:1fr}
    .foot-grid{grid-template-columns:1fr}
    .sticky-cta{display:block}
    body{padding-bottom:72px}
    .hero{padding:36px 0 60px}
    .tabs{display:flex;width:100%}
    .tab{flex:1;padding:12px 10px}
  }
  @media (prefers-reduced-motion:reduce){
    *{animation:none!important;transition:none!important}
    [data-reveal]{opacity:1;transform:none}
    html{scroll-behavior:auto}
  }