@import url('https://fonts.googleapis.com/css2?family=Red+Hat+Display:ital,wght@0,300..900;1,300..900&display=swap');
/*  font-family: "Red Hat Display", sans-serif; */

@import url('https://fonts.googleapis.com/css2?family=DM+Serif+Display:ital@0;1&display=swap');
/* font-family: "DM Serif Display", serif; */

@import url('https://fonts.googleapis.com/css2?family=Cormorant+Garamond:ital,wght@0,300..700;1,300..700&display=swap');
/*   font-family: "Cormorant Garamond", serif; */

@import url('https://fonts.googleapis.com/css2?family=Manrope:wght@200..800&display=swap');
/*  font-family: "Manrope", sans-serif; */


:root{
  --font-display: "Manrope", serif;
  --font-display-2: "Red Hat Display", sans-serif;
  --font-body:'Inter',system-ui,sans-serif;
--navy:#164177;
  --navy-900:#042a56; --navy-700:#164177;
  --teal:#369eaa; --teal-dark:#2A7F89; --teal-soft:#E9F4F6;
  --green:#9dce5b; --green-dark:#7FB33F; --green-soft:#F2F8E8;
  --ink:#0C2440; --body:#5A6B80; --muted:#8B9AAC;
  --line:#E4EAF1; --line-soft:#F0F4F8; --wash:#F3F8FB;
  --shadow:0 4px 18px rgba(4,42,86,.07);
  --shadow-lg:0 22px 55px rgba(4,42,86,.15);
  --green-deep:#7FB33F;
      --teal-deep: #2A7F89; 
  --r:16px;
}

/* font-family: "Instrument Serif", serif; */
html,
body {
    margin: 0;
    padding: 0;
    color: #333;
    font-family: "Inter", sans-serif;
}

body {
    font-size: 16px;
    color: #333;
    font-family: "Inter", sans-serif;
    background-color: #fff;
}

ul,
ol {
    list-style: none;
    margin: 0;
    padding: 0;
}

p {
    margin: 0;
}

h1,
h2,
h3,
h4,
h5,
h6 {
    margin: 0;
    padding: 0;
}

a {
    text-decoration: none;
    color: #000;
}

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

button,
input,
select,
textarea {
    font-family: inherit;
    font-size: inherit;
    line-height: inherit;
    margin: 0;
}



/* End btn outline defult */

/* Hero Section */
.container,
.container-lg,
.container-md,
.container-sm,
.container-xl,
.container-xxl {
    max-width: 1320px;
}

/*================================================
 Progress  CSS Start
=================================================*/

.progress-container {
    background-color: #f9f9f9;
    height: 6px;
    width: 100%;
    position: fixed;
    top: 0;
    z-index: 1111111;
}

.progress-container .progress-bar {
    background-color: #0baee9;
    height: 6px;
    width: 0%;
}

.scroll-top {
    width: 50px;
    height: 75px;
    background: #164177;
    text-align: center;
    line-height: 42px;
    font-size: 20px;
    color: #fff;
    border-radius: 20px 20px 0 0;
    position: fixed;
    bottom: -100px;
    right: 30px;
    z-index: 99999;
    cursor: pointer;
    opacity: 0;
    transition: all 0.5s ease-in-out;
}

.scroll-top.show {
    bottom: 0px;
    opacity: 1;
}

.scroll-top.hide {
    bottom: -100px;
    opacity: 0;
}

.container {
    max-width: 1440px;
}

/*================================================
 Processing Section End
=================================================*/


h1,h2,h3,h4{font-family:var(--font-display);color:var(--ink);font-weight:700;line-height:1.12;letter-spacing:-.02em;margin:0;}
h1{font-size:clamp(2.3rem,4.8vw,3.5rem);font-weight:400;letter-spacing:-.028em;line-height:1.05;font-family:var(--font-display)}
h1 span {
    font-weight: 800;
}
h2{font-size: clamp(1.6rem, 3.1vw, 48px);
    line-height: 1.2;
    font-weight: 800;}
h3{font-size:1.02rem;letter-spacing:0;}
h2 span.green{font-style:italic;font-weight:900;}
.green{color:var(--green-dark);}
a{text-decoration:none;}
.num{font-variant-numeric:tabular-nums;}
.kicker{font-family: var(--font-display-2);
    color: var(--teal);
    display: inline-block;
    font-size: 12px;
    font-weight: 400;
    letter-spacing: 1px;
    margin-bottom: 12px;
    padding: 8px 24px;
    border-radius: 50px;
    text-transform: uppercase;
    line-height: 20px;
    border: solid 1px var(--teal);}
.lead-p{font-size: 16px;
    line-height: 1.85;
    color: var(--body);}
.section-start{padding:120px 0;}

/*================================================
Topbar Start
=================================================*/

.topbar{background:var(--navy-900);color:rgba(255,255,255,.6);font-size:.78rem;padding:.6rem 0; position: relative; z-index: 1030;}
.topbar a{color:rgba(255,255,255,.85);font-weight:600;}
.topbar a:hover{color:var(--green);}
.topbar i{color:var(--teal);}
.topbar .tb-sep{color:rgba(255,255,255,.2);margin:0 .85rem;}
.topbar .tb-badge{background:rgba(157,206,91,.16);border:1px solid rgba(157,206,91,.4);color:var(--green);border-radius:999px;padding:.2rem .65rem;font-size:.68rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;}
@media (max-width:767px){
  .topbar{font-size:.72rem;text-align:center;}
  .topbar .tb-hide{display:none;}
}
/*================================================
Topbar End
=================================================*/
/* ---------- loan options dropdown ---------- */
.nav-wrap .dropdown-menu{
  border:0;border-radius:16px;padding:.6rem;margin-top:.9rem;min-width:320px;
  box-shadow:0 24px 60px rgba(4,42,86,.18);background:#fff; z-index: 111;
}
.nav-wrap .dropdown-menu::before{
  content:"";position:absolute;left:26px;top:-7px;width:14px;height:14px;background:#fff;transform:rotate(45deg);border-radius:3px;
}
.nav-wrap .dropdown-item{
  display:grid;grid-template-columns:38px 1fr;gap:.75rem;align-items:center;
  border-radius:11px;padding:.65rem .75rem;white-space:normal;transition:all .2s ease;
}
.nav-wrap .dropdown-item:hover,.nav-wrap .dropdown-item:focus{background:var(--wash);transform:translateX(3px);}
.nav-wrap .dropdown-item.active,.nav-wrap .dropdown-item:active{background:var(--teal-soft);}
.dd-ico{width:38px;height:38px;border-radius:11px;display:grid;place-items:center;font-size:.9rem;background:var(--teal-soft);color:var(--teal);transition:all .2s ease;}
.nav-wrap .dropdown-item:hover .dd-ico{background:var(--teal);color:#fff;}
.dd-ico.g{background:var(--green-soft);color:var(--green-dark);}
.nav-wrap .dropdown-item:hover .dd-ico.g{background:var(--green);color:var(--navy-900);}
.dd-n{font-family:var(--font-display);font-weight:800;font-size:.86rem;color:var(--ink);display:block;line-height:1.2;letter-spacing:-.01em;text-transform:none;}
.dd-d{font-size:.75rem;color:var(--muted);display:block;margin-top:.12rem;line-height:1.35;text-transform:none;letter-spacing:0;}
.dd-tag{margin-left:auto;font-family:var(--font-display);font-weight:800;font-size:.72rem;color:var(--green-dark);}
.dd-all{
  display:flex;align-items:center;justify-content:space-between;gap:.5rem;
  border-top:1px solid var(--line-soft);margin-top:.4rem;padding:.85rem .75rem .5rem;
  font-size:.72rem;letter-spacing:.09em;;
}
.dd-all:hover{color:var(--teal-dark);}
.dd-all i{transition:transform .2s ease;}
.dd-all:hover i{transform:translateX(4px);}
.nav-wrap .dropdown-toggle::after{border:0;content:"\f282";font-family:"bootstrap-icons";font-size:.6rem;vertical-align:0;margin-left:.3rem;opacity:.7;}
@media (min-width:992px){
  /* open on hover for desktop, keep click working too */
  .nav-wrap .nav-item.dropdown:hover > .dropdown-menu{display:block;}
}
@media (max-width:991px){
  .nav-wrap .dropdown-menu{box-shadow:none;border:1px solid var(--line);min-width:0;margin-top:.35rem;}
  .nav-wrap .dropdown-menu::before{display:none;}
}

.navbar-expand-lg .navbar-nav>.nav-item:hover>.dropdown-menu {
    opacity: 1;
    visibility: visible;
    margin: 0;
    position: absolute;
}

@media (max-width: 991.98px) {

    .navbar-nav .dropdown-menu {
        position: static !important;
        float: none;
        width: 100%;
        margin: 0;
        border: 0;
        box-shadow: none;

        /* Don't hide it with opacity/visibility */
        display: none;
    }

    .navbar-nav .dropdown-menu.show {
        display: block !important;
    }

    .navbar-nav .dropdown-item {
        display: flex;
        align-items: center;
        width: 100%;
        padding: 12px 15px;
    }

    .navbar-nav .dropdown-toggle::after {
        float: right;
        margin-top: 7px;
    }

    .nav-item .down-icon {
    top: -4px;
    position: absolute;
    right: 15px;
}

.navbar-nav {
  gap: 10px;
}

}
@media (min-width: 992px) {

    .navbar-nav .dropdown-menu {
        display: block;
        opacity: 0;
        visibility: hidden;
        transform: translateY(10px);
        transition: all .25s ease;
    }

    .navbar-nav .dropdown:hover .dropdown-menu {
        opacity: 1;
        visibility: visible;
        transform: translateY(0);
    }

}

.navbar-expand-lg .navbar-nav > .nav-item:hover .down-icon svg {
    transform: rotate(180deg);
}
.down-icon {
      top: -4px;
    position: relative;
    right: 0px;
}
.down-icon svg {
    transition: transform 0.3s ease-in-out;
}
/*================================================
nav Start
=================================================*/

.nav-wrap{background:#fff;padding:10px 0;z-index:1030;border-bottom:1px solid var(--line-soft); width:100%;transition:all .3s ease;}
.brand{display:flex;align-items:center;gap:.65rem;}
.brand-mark{    display: grid;
    place-items: center;
    flex: 0 0 auto;
    max-width: 200px;}
.brand-mark svg{width:100%;height:100%;}
.brand-txt .b1{display:block;font-family:var(--font-display);font-weight:800;font-size:.84rem;letter-spacing:.02em;color:var(--navy-900);line-height:1.15;text-transform:uppercase;}
.brand-txt .b1 em{font-style:normal;color:var(--green-dark);}
.brand-txt .b2{display:block;font-size:.56rem;font-weight:600;letter-spacing:.26em;text-transform:uppercase;color:var(--teal);margin-top:.15rem;}
.nav-wrap .nav-link{    font-family: var(--font-display-2);
    color: var(--navy-700);
    font-size: 14px;
    font-weight: 700;
    letter-spacing: 0.9px;
    text-transform: uppercase;
    padding: .5rem .7rem;
    position: relative;}
.nav-wrap .nav-link:hover{color:var(--teal);}
.nav-wrap .nav-link.active{color:var(--teal);}
.nav-wrap .nav-link.active::after{content:"";position:absolute;left:0;right:.7rem;bottom:-.15rem;height:2.5px;background:var(--green);border-radius:2px;}
/*================================================
nav End
=================================================*/
/* 
#fixed-header {
    position: relative;
    width: 100%;
    transition: all 0.5s;
    top: 0;
    z-index: 11;
    background-color: #ffffff00;
}

.fixed-header .navbarNav-box {
    border: solid 1px #099bfc;
}

#fixed-header.fixed-header {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 9999;
    box-shadow: 0px 2px 6px #999;
    z-index: 999 !important;
    padding: 0px 40px;
    background-color: #fff;
    display: flex;
    align-items: center;
    width: 100%;
} */
#fixed-header {
    width: 100%;
    position: relative;
    z-index: 1000;
}

#fixed-header.fixed-header {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    z-index: 9999;
    animation: headerSlideDown 0.3s ease forwards;
     box-shadow: 0px 2px 6px #999;
}

@keyframes headerSlideDown {
    from {
        transform: translateY(-100%);
    }

    to {
        transform: translateY(0);
    }
}

 /* --- experience badge above the hero headline --- x */
.hero-badge{
  position: absolute;
    right: -4%;
    top: 5%;
    z-index: 6;
    display: inline-flex;
    align-items: center;
    gap: .7rem;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 999px;
    padding: .4rem 1.1rem .4rem .4rem;
    box-shadow: var(--shadow);
    overflow: hidden;
    animation: hover-badge 7s ease-in-out infinite;
}
@keyframes hover-badge{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
.hero-badge::after{                       /* slow sheen across the pill */
  content:"";position:absolute;top:0;left:-140%;width:55%;height:100%;
  background:linear-gradient(100deg,transparent,rgba(157,206,91,.28),transparent);
  transform:skewX(-20deg);animation:badge-sheen 5.5s ease-in-out infinite;
}
@keyframes badge-sheen{0%,72%{left:-140%}100%{left:160%}}
.hero-badge .hb-n{
  width:38px;height:38px;border-radius:50%;flex:0 0 auto;display:grid;place-items:center;
  background:var(--green);color:var(--navy-900);
  font-family:var(--font-display);font-weight:800;font-size:.95rem;letter-spacing:-.03em; overflow:hidden;
}

.hero-badge .hb-n img {
    width: 100%;
        height: 100%;
        object-fit: cover;
}

.hero-badge .hb-t{position:relative;z-index:2;line-height:1.25;}
.hero-badge .hb-t b{
  font-family:var(--font-display);font-weight:800;font-size:.86rem;color:var(--ink);
  display:block;letter-spacing:-.01em;
}
.hero-badge .hb-t span{font-size:.74rem;color:var(--muted);display:block;margin-top:.05rem;}
@media (prefers-reduced-motion:reduce){ .hero-badge::after{animation:none;display:none;} }
@media (max-width:575px){ .hero-badge .hb-t span{display:none;} }

/*================================================
btns End
=================================================*/
.btn-primary {
    border-radius: 50px;
    min-width: 160px;
    padding: 10px 30px;
    background-color: var(--teal);
    --bs-btn-color: #fff;
    --bs-btn-bg:  var(--teal);
    --bs-btn-border-color:  var(--teal);
    --bs-btn-hover-color: #fff;
    --bs-btn-hover-bg: var(--teal-dark);
    --bs-btn-hover-border-color: var(--teal-dark);
    --bs-btn-focus-shadow-rgb: 49, 132, 253;
    --bs-btn-active-color: #fff;
    --bs-btn-active-bg: var(--teal-dark);
    --bs-btn-active-border-color: var(--teal-dark);
    --bs-btn-active-shadow: inset 0 3px 5px rgba(0, 0, 0, 0.125);
    --bs-btn-disabled-color: #fff;
    --bs-btn-disabled-bg:  var(--teal);
    --bs-btn-disabled-border-color:  var(--teal);
        transition: all .2s ease;
         letter-spacing: 1px;
         font-size: 16px;
}
.btn-primary:hover {
    background: var(--teal-dark);
    color: #fff;
    transform: translateY(-2px);
}


.btn-secondary {
    border-radius: 50px;
    min-width: 160px;
    padding: 10px 30px;
    background-color: var(--navy-900);
    --bs-btn-color: #fff;
    --bs-btn-bg:  var(--navy-900);
    --bs-btn-border-color:  var(--navy-900);
    --bs-btn-hover-color: #fff;
    --bs-btn-hover-bg: var(--navy-700);
    --bs-btn-hover-border-color: var(--navy-700);
    --bs-btn-focus-shadow-rgb: 49, 132, 253;
    --bs-btn-active-color: #fff;
    --bs-btn-active-bg: var(--navy-700);
    --bs-btn-active-border-color: var(--navy-700);
    --bs-btn-active-shadow: inset 0 3px 5px rgba(0, 0, 0, 0.125);
    --bs-btn-disabled-color: #fff;
    --bs-btn-disabled-bg:  var(--navy-900);
    --bs-btn-disabled-border-color:  var(--navy-900);
        transition: all .2s ease;
         letter-spacing: 1px;
         font-size: 16px;
}
.btn-secondary:hover {
    background: var(--navy-700);
    color: #fff;
    transform: translateY(-2px);
}


.btn-outline-primary {
    --bs-btn-color:   var(--ink);;
    --bs-btn-border-color: var(--teal);
    --bs-btn-hover-color: #fff;
    --bs-btn-hover-bg: var(--teal);
    --bs-btn-hover-border-color: var(--teal);
    --bs-btn-focus-shadow-rgb: 13, 110, 253;
    --bs-btn-active-color: #fff;
    --bs-btn-active-bg: var(--teal-dark);
    --bs-btn-active-border-color: var(--teal-dark);
    --bs-btn-active-shadow: inset 0 3px 5px rgba(0, 0, 0, 0.125);
    --bs-btn-disabled-color: var(--teal);
    --bs-btn-disabled-bg: transparent;
    --bs-btn-disabled-border-color: var(--teal);
    --bs-gradient: none;
       transition: all .2s ease;
         letter-spacing: 1px;
         font-size: 16px;
          border-radius: 50px;
    min-width: 160px;
    padding: 10px 30px;
}
.btn-outline-primary:hover {
    background: var(--teal-dark);
    color: #fff;
    transform: translateY(-2px);
}
.btn-primary, .btn-secondary,
.btn-outline-primary {
    position: relative;
    overflow: hidden;
    isolation: isolate;
    transition: all 0.3s ease;
}

.btn-primary::before, .btn-secondary::before,
.btn-outline-primary::before {
    content: "";
    position: absolute;
    top: 0;
    left: -120%;
    width: 60%;
    height: 100%;
    background: linear-gradient(
        100deg,
        transparent,
        rgba(255, 255, 255, 0.35),
        transparent
    );
    transform: skewX(-20deg);
    transition: left 0.6s ease;
    z-index: -1;
}

.btn-primary:hover::before, .btn-secondary:hover::before,
.btn-outline-primary:hover::before {
    left: 130%;
}

.btn-primary:hover, .btn-secondary:hover,
.btn-outline-primary:hover {
    transform: translateY(-3px);
    box-shadow: 0 10px 25px rgba(0, 0, 0, 0.12);
}
/* --- nav: label rolls up and the teal copy rolls in --- */
.nl{display:inline-block;overflow:hidden;height:1.15em;line-height:1.15em;vertical-align:top;}
.nl b{display:block;font-weight:inherit;transition:transform .4s cubic-bezier(.2,.85,.25,1);}
.nl b::after{content:attr(data-t);display:block;color:var(--teal);}
.nav-link:hover .nl b,.nav-link:focus-visible .nl b{transform: translateY(-50%);}

/* --- nav: underline draws out from the centre --- */
.nav-wrap .nav-link::after{
  content:"";position:absolute;left:.7rem;right:.7rem;bottom:-.15rem;height:2.5px;
  background:var(--green);border-radius:2px;transform:scaleX(0);transform-origin:center;
  transition:transform .35s cubic-bezier(.2,.85,.25,1);
}
.nav-wrap .nav-link:hover::after,.nav-wrap .nav-link:focus-visible::after{transform:scaleX(1);}
.nav-wrap .nav-link.active::after{transform:scaleX(1);}
.nav-phone {
        text-transform: uppercase;
    font-size: 14px;
    letter-spacing: 1px;
}
/*================================================
btns End
=================================================*/



/*================================================
hero start
=================================================*/
.hero-section {
    position: relative;
    padding-top: 120px;
    padding-bottom: 120px;
}
.hero{background:linear-gradient(180deg,#F4F9FC 0%,#EAF3F8 100%);position:relative;overflow:hidden;}
.hero::before{content:"";position:absolute;right:6%;top:12%;width:180px;height:180px;opacity:.35;background-image:radial-gradient(rgba(54,158,170,.5) 1.5px,transparent 1.5px);background-size:16px 16px;}
.hero .container{position:relative;z-index:2;}
.hero-sub{    max-width: 27rem;
    margin: 1.1rem 0 0;
    font-size: 18px;
    color: #282828;
    line-height: 1.5;}
.hero-phone{display:inline-flex;align-items:center;gap:.6rem;font-family:var(--font-display);font-weight:800;font-size:clamp(1.5rem,3vw,2rem);color:var(--navy-700);letter-spacing:-.02em;margin-top:1.1rem;}
.hero-phone i{color:var(--teal);font-size:1.2rem;}
.hero-phone:hover{color:var(--teal);}
.hl-word {
    position: relative;
    isolation: isolate;
    font-weight: 700;
    color: var(--ink);
    white-space: nowrap;
}
.hl-word::before {
    content: "";
    position: absolute;
    z-index: -1;
    left: -.2em;
    right: -.2em;
    bottom: .01em;
    height: .62em;
    background: linear-gradient(90deg, rgba(157, 206, 91, .55), rgba(157, 206, 91, .35));
    border-radius: 4px 10px 6px 8px;
    transform: skewX(-3deg) scaleX(0);
    transform-origin: left center;
    animation: swipe .65s cubic-bezier(.2, .8, .2, 1) .55s forwards;
}
@keyframes swipe{to{transform:skewX(-3deg) scaleX(1);}}
@media (prefers-reduced-motion:reduce){
  .hl-word::before{animation:none;transform:skewX(-3deg) scaleX(1);}
}

/*================================================
hero end
=================================================*/

/*================================================
offers start
=================================================*/
/* rotating offers */
.offers{position:relative;min-height:88px;margin-top:1.2rem;}
.offer{
  position:absolute;inset:0;opacity:0;transform:translateY(8px);pointer-events:none;
  transition:opacity .5s ease,transform .5s ease;
  display:flex;gap:.9rem;align-items:flex-start;
}
.offer.on{opacity:1;transform:none;pointer-events:auto;}
.offer .oi{width:42px;height:42px;border-radius:11px;background:var(--green-soft);color:var(--green-dark);display:grid;place-items:center;font-size:1.05rem;flex:0 0 auto;}
.offer .ot{font-family:var(--font-display-2);font-weight:700;font-size:1.08rem;color:var(--ink);line-height:1.4;letter-spacing:-.01em;display:block;}
.offer .od{font-size:.85rem;color:var(--muted);display:block;margin-top:.2rem;}
.dots{display:flex;gap:.4rem;margin-top:.5rem;}
.dots button{width:26px;height:4px;border-radius:99px;border:0;background:var(--line);padding:0;transition:background .25s ease;}
.dots button.on{background:var(--teal);}

.hero-btns{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:2.75rem;}
.trusted{font-size:.86rem;color:var(--body);margin-top:1.75rem;}
.rating-row{display:flex;align-items:center;gap:.65rem;flex-wrap:wrap;margin-top:.75rem;}
.stars-box{display:flex;gap:2px;}
.stars-box i{width:22px;height:22px;background:var(--green-dark);color:#fff;display:grid;place-items:center;font-size:.72rem;border-radius:2px;}
.rating-row .meta{font-size:.78rem;color:var(--muted);}
.rating-row .word{font-family:var(--font-display);font-weight:700;font-size:.86rem;color:var(--ink);}

.hero-art{position:relative;}
.hero-art .blob{position:absolute;left:-4%;top:-6%;width:130px;height:130px;background:var(--teal);border-radius:36px 8px 8px 8px;z-index:1;}
.hero-photo{position:relative;z-index:2;border-radius:8px 60px 8px 60px;overflow:hidden;aspect-ratio:5/4;background:linear-gradient(150deg,#D7E7EE,#EFF6F9);box-shadow:var(--shadow-lg);}
.hero-photo img{width:100%;height:100%;object-fit:cover;position:relative;z-index:2;}
.hero-photo .ghost{position:absolute;inset:0;display:grid;place-items:center;color:rgba(54,158,170,.3);font-size:4.5rem;}
.float-card{position:absolute;left:-3%;bottom:8%;z-index:4;background:#fff;border-radius:14px;padding:1.25rem;box-shadow:var(--shadow-lg);width:172px;}
.float-card .fi{width:46px;height:46px;border-radius:12px;background:var(--teal-soft);color:var(--teal);display:grid;place-items:center;font-size:1.2rem;margin-bottom:.85rem;}
.float-card .ft{font-family:var(--font-display);font-weight:700;font-size:.92rem;color:var(--ink);line-height:1.3;letter-spacing:-.01em;}
.float-card .fu{display:block;width:34px;height:3px;background:var(--green);border-radius:2px;margin-top:.75rem;}

/*================================================
offers end
=================================================*/



/* ---------- hero call card ---------- */
.call-card{
  position:absolute;left:-5%;bottom:6%;z-index:5;background:#fff;border-radius:16px;
  box-shadow:var(--shadow-lg);width:270px;overflow:hidden;    animation: hover-chip 7s ease-in-out infinite;
}
.call-card .cc-top{display:flex;gap:.75rem;align-items:center;padding:1rem 1.15rem .85rem;}
.call-card .cc-av{
  width:46px;height:46px;border-radius:50%;flex:0 0 auto;position:relative;overflow:hidden;
  background:var(--navy-900);color:#fff;
  display:grid;place-items:center;font-family:var(--font-display);font-weight:800;font-size:.86rem;
}
.call-card .cc-av img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:2;}
.call-card .cc-n{font-family:var(--font-display-2);font-weight:800;font-size:.88rem;color:var(--ink);display:block;line-height:1.2;}
.call-card .cc-r{font-size:.7rem;color:var(--muted);display:block;margin-top:.15rem;}
.call-card .cc-phone{
  display:block;padding:.15rem 1.15rem .55rem;font-family:var(--font-display-2);font-weight:800;
  font-size:1.42rem;color:var(--teal);letter-spacing:-.02em;line-height:1.1;
}
.call-card .cc-phone:hover{color:var(--teal-dark);}
.call-card .cc-sub{display:block;padding:0 1.15rem .95rem;font-size:.72rem;color:var(--muted);}
.call-card .cc-btn{
  display:flex;align-items:center;justify-content:center;gap:.5rem;background:var(--green);
  color:var(--navy-900);font-family:var(--font-display-2);font-weight:800;font-size:.74rem;
  letter-spacing:.09em;text-transform:uppercase;padding:.85rem;transition:all .2s ease;
}
.call-card .cc-btn:hover{background:var(--green-dark);color:#fff;}
.live-dot{width:7px;height:7px;border-radius:50%;background:var(--green-dark);display:inline-block;margin-right:.35rem;animation:blip 2s ease-in-out infinite;}
@keyframes blip{0%,100%{opacity:1}50%{opacity:.3}}
@media (prefers-reduced-motion:reduce){.live-dot{animation:none;}}


/* ---------- highlighted offers ---------- */
.offer-box{
  position:relative;background:#fff;border-radius:14px;box-shadow:var(--shadow);
  border-left:4px solid var(--green);padding:1.5rem 1.4rem 1.15rem;margin-top:3rem;
  max-width:31rem;
}
.offer-box::after{
  content:"";position:absolute;left:0;top:0;bottom:0;width:120px;border-radius:0 14px 14px 0;
  /* background:linear-gradient(280deg,transparent,rgba(157,206,91,.09));*/ pointer-events:none; 
}
.offer-badge{
  position:absolute;top:-11px;left:1.25rem;background:var(--green);color:var(--navy-900);
  font-family:var(--font-display);font-size:.62rem;font-weight:800;letter-spacing:.14em;
  text-transform:uppercase;padding:.28rem .75rem;border-radius:999px;
  box-shadow:0 4px 12px rgba(157,206,91,.4);
}
.offers{position:relative;min-height:82px;}
.offer{position:absolute;inset:0;opacity:0;transform:translateY(8px);pointer-events:none;transition:opacity .45s ease,transform .45s ease;display:flex;gap:.95rem;align-items:flex-start;}
.offer.on{opacity:1;transform:none;pointer-events:auto;}
.offer .oi{width:44px;height:44px;border-radius:12px;background:var(--green-soft);color:var(--green-dark);display:grid;place-items:center;font-size:1.1rem;flex:0 0 auto;}
.offer .ot{    font-family: var(--font-display-2);
    font-weight: 700;
    font-size: 18px;
    color: var(--ink);
    line-height: 1.4;
    letter-spacing: 0.2px;
    display: block;}
.offer .od{font-size:.84rem;color:var(--muted);display:block;margin-top:.25rem;line-height:1.6;}

.dots{display:flex;gap:.4rem;margin-top:1rem;position:relative;z-index:2;}
.dots button{width:38px;height:4px;border-radius:99px;border:0;background:var(--line);padding:0;position:relative;overflow:hidden;}
.dots button span{position:absolute;inset:0;width:0;background:var(--teal);border-radius:99px;}
.dots button.on span{animation:fillbar 6s linear forwards;}
@keyframes fillbar{to{width:100%;}}
@media (prefers-reduced-motion:reduce){
  .dots button.on span{animation:none;width:100%;}
}




/*================================================
scrolling start
=================================================*/
.marquee{background:var(--teal);overflow:hidden;padding:1rem 0;position:relative;}
.marquee::before,.marquee::after{
  content:"";position:absolute;top:0;bottom:0;width:90px;z-index:2;pointer-events:none;
}
.marquee::before{left:0;background:linear-gradient(90deg,var(--teal-900),transparent);}
.marquee::after{right:0;background:linear-gradient(270deg,var(--teal-900),transparent);}
.marquee-track{display:flex;width:max-content;animation:scrollx 38s linear infinite;}
.marquee:hover .marquee-track{animation-play-state:paused;}
@keyframes scrollx{to{transform:translateX(-50%);}}
.m-item{
  display:inline-flex;align-items:center;gap:.85rem;padding:0 1.6rem;white-space:nowrap;
  font-family:var(--font-display);font-weight:800;font-size:.92rem;letter-spacing:.07em;
  text-transform:uppercase;color:#fff;
}
.m-item i{color:var(--green);font-size:.8rem;}
.m-item.dim{color:rgba(255,255,255,.45);}
@media (prefers-reduced-motion:reduce){
  .marquee-track{animation:none;flex-wrap:wrap;width:auto;justify-content:center;}
}

/*================================================
scrolling end
=================================================*/


/*================================================
image Cards Start
=================================================*/
/* ---------- image cards ---------- */
.pcard{
  position:relative;border-radius:18px;overflow:hidden;min-height:330px;height:100%;
  display:flex;flex-direction:column;justify-content:flex-end;
  background:linear-gradient(150deg,#D7E7EE,#EFF6F9);box-shadow:var(--shadow);
  transition:transform .3s cubic-bezier(.2,.8,.2,1),box-shadow .3s ease;
}
.pcard:hover{transform:translateY(-6px);box-shadow:var(--shadow-lg);}
.pcard-img{position:absolute;inset:0;z-index:1;overflow:hidden;}
.pcard-img img{width:100%;height:100%;object-fit:cover;transition:transform .55s cubic-bezier(.2,.8,.2,1);}
.pcard:hover .pcard-img img{transform:scale(1.07);}
.pcard-img .ghost{position:absolute;inset:0;display:grid;place-items:center;color:rgba(54,158,170,.35);font-size:3rem;}
.pcard::after{
  content:"";position:absolute;inset:0;z-index:2;
  background: linear-gradient(180deg, rgba(4, 42, 86, .1) 0%, rgba(4, 42, 86, .45) 20%, rgba(4, 42, 86, 1.95) 100%);
  transition:background .3s ease;
}
.pcard:hover::after{ background:linear-gradient(180deg, rgba(4, 42, 86, .05) 0%, rgba(4, 42, 86, .35) 45%, rgb(0 0 0 / 92%) 100%);}
.pcard-ico{
  position: absolute;
    top: 1.15rem;
    left: 1.15rem;
    z-index: 4;
    width: 50px;
    height: 50px;
    border-radius: 12px;
    background: rgba(255, 255, 255, 0.16);
    border: 1px solid rgba(255, 255, 255, 0.3);
    backdrop-filter: blur(6px);
    color: rgb(255, 255, 255);
    display: grid;
    place-items: center;
    font-size: 26px;
    transition: 0.3s;
}
.pcard:hover .pcard-ico{background:var(--green);border-color:var(--green);color:var(--navy-900);}
.pcard-body{position:relative;z-index:4;padding:1.5rem;}
.pcard-body h3{font-family:var(--font-display-2);    font-size: 22px;
    text-transform: capitalize;font-weight:800;letter-spacing:.07em;color:#fff;margin-bottom:.5rem;}
.pcard-body p{font-size: .85rem;
    line-height: 1.45;
    color: rgba(255, 255, 255, .95);
    margin: 0 0 1rem;
    letter-spacing: 0.7px;}
.pcard-link{
 font-family: var(--font-display-2);
    font-size: 14px;
    font-weight: 800;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    color: var(--green);
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
}
.pcard-link i{transition:transform .25s ease; }
.pcard:hover .pcard-link i{transform:translateX(5px);}
.pcard .stretch{position:absolute;inset:0;z-index:5;}

/*================================================
image Cards End
=================================================*/

/*================================================
path finder Section Start
=================================================*/
.pf-section {
    position: relative;
    padding: 120px 0; 
    background: linear-gradient(180deg, #F4F9FC 0%, #EAF3F8 100%);
    /* background: linear-gradient(180deg, #F4F9FC 0%, #EAF3F8 100%); */
}
.pf{display:grid;grid-template-columns:320px 1fr;gap:1.25rem;align-items:start;}
.pf-list{display:grid;gap:.6rem;}
.pf-btn{
  width:100%;text-align:left;background:#fff;border:1px solid var(--line);border-radius:14px;
  padding:1.05rem 1.15rem;display:flex;gap:.9rem;align-items:center;position:relative;overflow:hidden;
  transition:all .24s cubic-bezier(.2,.8,.2,1);
}
.pf-btn::before{
  content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--green);
  transform:scaleY(0);transition:transform .26s ease;
}
.pf-btn:hover{border-color:var(--teal);transform:translateX(3px);}
.pf-btn.on{border-color:var(--teal);box-shadow:var(--shadow);background:#fff;}
.pf-btn.on::before{transform:scaleY(1);}
.pf-ico{width:44px;height:44px;border-radius:12px;background:var(--teal-soft);color:var(--teal);display:grid;place-items:center;font-size:1.1rem;flex:0 0 auto;transition:all .24s ease;}
.pf-btn.on .pf-ico{background:var(--teal);color:#fff;}
.pf-btn .t{font-family:var(--font-display-2);font-weight:700;font-size:.92rem;color:var(--ink);display:block;line-height:1.3;letter-spacing:-.01em;}
.pf-btn .d{font-size:.76rem;color:var(--muted);display:block;margin-top:.15rem;}
.pf-btn .chev{margin-left:auto;color:var(--line);font-size:.85rem;transition:all .24s ease;}
.pf-btn.on .chev,.pf-btn:hover .chev{color:var(--teal);transform:translateX(3px);}

.pf-panel{background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;box-shadow:var(--shadow);}
.pf-photo{width:100%;position:relative;aspect-ratio:21/4;overflow:hidden;background:linear-gradient(150deg,#D7E7EE,#EFF6F9);}
.pf-photo img{width:100%;height:100%;object-fit:cover;position:relative;z-index:2;}
.pf-photo .ghost{position:absolute;inset:0;display:grid;place-items:center;color:rgba(54,158,170,.32);font-size:2.6rem;}
.pf-photo::after{content:"";position:absolute;inset:0;z-index:3;background: transparent; background: linear-gradient(180deg, rgba(4, 42, 86, .1) 0%, rgba(4, 42, 86, .45) 75%, rgba(4, 42, 86, 1.95) 100%);}
.pf-photo .cap{position:absolute;left:1.5rem;bottom:1.15rem;z-index:4;color:#fff;font-family:var(--font-display);    font-size: 30px;
    font-weight: 600;letter-spacing:0.02em;}
.pf-body{padding:1.6rem;}
.pf-body > p{font-size:16px;line-height:1.4;margin:0 0 1.35rem;}
.pf-facts{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft);padding:1.1rem 0;margin-bottom:1.35rem;}
.pf-facts .k{font-family:var(--font-display-2);font-weight:800;font-size:1.15rem;color:var(--ink);display:block;line-height:1.15;}
.pf-facts .l{font-size:.7rem;color:var(--muted);display:block;margin-top:.3rem;letter-spacing:.04em;}
.pf-sub{font-size:.7rem;font-weight:700;letter-spacing:.13em;text-transform:uppercase;color:var(--muted);display:block;margin-bottom:.7rem;}
.pf-chips{display:flex;flex-wrap:wrap;gap:.45rem;margin-bottom:30px;}
.pf-chip{background:var(--teal-soft);color:var(--teal-dark);border-radius:999px;padding:.35rem .8rem;font-size:.78rem;font-weight:600;}
.pf-chip.hot{background:var(--green-soft);color:var(--green-dark);}
.pf-next{list-style:none;padding:0;margin:0 0 30px;display:grid;gap:.55rem;}
.pf-next li{display:flex;gap:.6rem;font-size:16px;line-height:1.65;}
.pf-next i{color:var(--green-dark);flex:0 0 auto;margin-top:.1rem;font-size:.8rem;}
.pf-cta{display:flex;flex-wrap:wrap;gap:.6rem;}
.pf-fade{animation:pfin .35s ease; display: flex;}
@keyframes pfin{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}

/*================================================
path finder End
=================================================*/

/*================================================
About Start
=================================================*/
.section-about {
    position: relative;
    padding: 20px 0 160px;
}
.about-art{position:relative;}
.about-art .accent{position:absolute;right:-3%;top:8%;bottom:22%;width:70px;background:var(--green);border-radius:0 18px 18px 0;z-index:1;}
.about-photo{position:relative;z-index:2;border-radius:var(--r);overflow:hidden;aspect-ratio:4/3;background:linear-gradient(150deg,#D7E7EE,#EFF6F9);box-shadow:var(--shadow);}
.about-photo img{width:100%;height:100%;object-fit:cover;position:relative;z-index:2;}
.about-photo .ghost{position:absolute;inset:0;display:grid;place-items:center;color:rgba(54,158,170,.3);font-size:3.5rem;}
.about-card{position:absolute;right:-4%;bottom:-6%;z-index:4;background:#fff;border-radius:14px;padding:1.25rem;box-shadow:var(--shadow-lg);width:182px;}
.about-card .fi{width:44px;height:44px;border-radius:50%;background:var(--teal);color:#fff;display:grid;place-items:center;font-size:1.05rem;margin-bottom:.8rem;}
.about-card .ft{font-family:var(--font-display-2);font-weight:700;font-size:.88rem;color:var(--ink);line-height:1.35;letter-spacing:-.01em;}
.about-card .fu{display:block;width:30px;height:3px;background:var(--green);border-radius:2px;margin-top:.7rem;}
.checks{list-style:none;padding:0;margin:25px 0 15px;display:grid;gap:1rem;}
.checks li{display:flex;gap:.8rem;align-items:center;font-size:16px;font-weight:500;color:var(--ink);}
.checks .ci{display:flex; align-items: center; justify-content: center; min-width:32px;height:32px;border-radius:9px;background:var(--green-soft);color:var(--green-dark);display:grid;place-items:center;font-size:.85rem;flex:0 0 auto;}

.section-about .checks .ci{
  display:flex;
  padding: 0;
}

/*================================================
About End
=================================================*/


/* ==========================================================
   HOW WE HELP
   ========================================================== */
.help-section {
    position: relative;
    padding: 120px 0;
}

.panels{display:flex;gap:.75rem;height:460px;}
.panel{
  position:relative;flex:1;min-width:0;border-radius:18px;overflow:hidden;cursor:pointer;
  background:linear-gradient(150deg,#D7E7EE,#EFF6F9);box-shadow:var(--shadow);
  transition:flex .55s cubic-bezier(.22,.85,.25,1),box-shadow .35s ease;
}
.panel.on{flex:2.6;cursor:default;box-shadow:var(--shadow-lg);}

.panel-img{position:absolute;inset:0;z-index:1;overflow:hidden;}
.panel-img img{width:100%;height:100%;object-fit:cover;transition:transform .8s cubic-bezier(.22,.85,.25,1);}
.panel.on .panel-img img{transform:scale(1.05);}
.panel-img .ghost{position:absolute;inset:0;display:grid;place-items:center;color:rgba(54,158,170,.4);font-size:2.4rem;}
.panel::after{
  content:"";position:absolute;inset:0;z-index:2;transition:background .45s ease;
  background:linear-gradient(180deg,rgba(4,42,86,.55),rgba(4,42,86,.9));
}
.panel.on::after{background:linear-gradient(105deg,rgba(4,42,86,.94) 0%,rgba(4,42,86,.78) 45%,rgba(4,42,86,.35) 100%);}

/* number chip, always visible */
.panel-n{
  position:absolute;top:1.25rem;left:1.25rem;z-index:4;
  width:38px;height:38px;border-radius:10px;display:grid;place-items:center;
  font-family:var(--font-display);font-weight:800;font-size:.8rem;
  background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.32);
  backdrop-filter:blur(6px);color:#fff;transition:all .4s ease;
}
.panel.on .panel-n{background:var(--green);border-color:var(--green);color:var(--navy-900);}

/* collapsed state: vertical title at the bottom */
.panel-vert{
  position:absolute;left:0;right:0;bottom:1.4rem;z-index:4;display:flex;justify-content:center;
  opacity:1;transition:opacity .3s ease; font-family:var(--font-display-2);
}
.panel-vert span{
  writing-mode:vertical-rl;transform:rotate(180deg);
  font-family:var(--font-display-2);font-weight:800;font-size: 20px;letter-spacing:.06em;
  text-transform:uppercase;color:#fff;white-space:nowrap;
}
.panel.on .panel-vert{opacity:0;pointer-events:none;}

/* open state: the copy */
.panel-open{
  position:absolute;inset:auto 0 0 0;z-index:4;padding:1.85rem;
  opacity:0;transform:translateY(14px);pointer-events:none;
  transition:opacity .4s ease .12s,transform .45s cubic-bezier(.22,.85,.25,1) .12s;
  max-width:30rem;
}
.panel.on .panel-open{opacity:1;transform:none;pointer-events:auto;}
.panel-open h3{color: #fff;
    font-size: 32px;
    margin: 0 0 .7rem;
    letter-spacing: 0.2px;
    font-family: var(--font-display);
    font-weight: 600;}
.panel-open p{    color: rgba(255, 255, 255, .8);
    font-size: 16px;
    line-height: 1.4;
    margin: 0 0 1.1rem;
    letter-spacing: 0.5px}
.panel-open ul{list-style:none;padding:0;margin:0 0 1.35rem;display:grid;gap:.45rem;}
.panel-open li{display:flex;gap:.55rem;    font-size: 16px;
    line-height: 1.6;letter-spacing:0.5px;color:rgba(255,255,255,.88);}
.panel-open li i{color:var(--green);flex:0 0 auto;margin-top:.28rem;font-size:.78rem;}
.panel-open .plink{
  font-family:var(--font-display);font-size:.74rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;
  color:var(--green);display:inline-flex;align-items:center;gap:.5rem;
}
.panel-open .plink i{transition:transform .25s ease;}
.panel-open .plink:hover i{transform:translateX(5px);}

/* a nudge for the collapsed panels */
.panel:not(.on):hover::after{background:linear-gradient(180deg, rgba(4, 42, 86, .4), rgb(4 42 86))}
.panel:not(.on):hover .panel-n{background:rgba(255,255,255,.28);}

@media (max-width:991px){
  .panels{flex-direction:column;height:auto;gap:.9rem;}
  .panel,.panel.on{flex:none;min-height:570px;cursor:default;}
  .panel::after,.panel.on::after{background:linear-gradient(180deg,rgba(4,42,86,.35),rgba(4,42,86,.92));}
  .panel-vert{display:none;}
  .panel-open{opacity:1;transform:none;pointer-events:auto;position:relative;inset:auto;padding:1.5rem;max-width:none;}
  .panel-open{margin-top:auto;}
  .panel{display:flex;flex-direction:column;justify-content:flex-end;}
}
@media (prefers-reduced-motion:reduce){
  .panel,.panel-open,.panel-img img,.panel::after{transition:none;}
}

/* ==========================================================
   HOW WE HELP End
   ========================================================== */

/*================================================
footer Section end
=================================================*/

.office{
  background:#fff;border-radius:18px;box-shadow:var(--shadow-lg);
  display:grid;grid-template-columns:repeat(3,1fr);overflow:hidden;
  position:relative;z-index:5;  margin: 0 auto -58px;max-width: 1100px;
}
.office-cell{padding:1.6rem 1.5rem;border-right:1px solid var(--line-soft);display:flex;gap:.9rem;align-items:flex-start;}
.office-cell:last-child{border-right:0;}
.office-cell .oi{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;font-size:1.05rem;flex:0 0 auto;background:var(--teal-soft);color:var(--teal);}
.office-cell:nth-child(2) .oi{background:var(--green-soft);color:var(--green-dark);}
.office-cell .ol{font-size:.66rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);display:block;}
.office-cell .ov{font-family:var(--font-display-2);font-weight:700;font-size:.95rem;color:var(--ink);display:block;margin-top:.3rem;line-height:1.45;letter-spacing:-.01em;}
.office-cell a.ov:hover{color:var(--teal);}
.office-cell .od{font-size:.74rem;color:var(--muted);display:block;margin-top:.2rem;}

.foot-top-rule{height:4px;background:linear-gradient(90deg,var(--teal),var(--green));}
.foot-cols{border-top:1px solid rgba(255,255,255,.1);padding-top:2.25rem;}
.fcol{border-left:1px solid rgba(255,255,255,.1);padding-left:1.5rem;}
.badge-strip{
  display:flex;flex-wrap:wrap;gap:1rem;align-items:center;justify-content:space-between;
  background:rgba(255,255,255,.05);border-radius:12px;padding:1.1rem 1.35rem;margin-top:2.25rem;
}
.badge-item{display:flex;gap:.7rem;align-items:center;font-size:.76rem;line-height:1.5;color:rgba(255,255,255,.6);}
.badge-item i{font-size:1.5rem;color:rgba(255,255,255,.8);}
.badge-item b{color:rgba(255,255,255,.85);font-weight:700;display:block;}

@media (max-width:991px){
  .office{grid-template-columns:1fr;margin-bottom:-40px;}
  .office-cell{border-right:0;border-bottom:1px solid var(--line-soft);}
  .office-cell:last-child{border-bottom:0;}
  .fcol{border-left:0;padding-left:0;}
  .call-card{position:static;width:auto;margin-top:1rem;}
}
.foot{background:var(--navy-900);color:rgba(255,255,255,.6);padding:3.5rem 0 0;}
.foot h6{color:#fff;font-family:var(--font-display);font-size:.74rem;font-weight:800;letter-spacing:.15em;text-transform:uppercase;margin-bottom:1.2rem;}
.foot a{color:rgba(255,255,255,.6);font-size:.85rem;}
.foot a:hover{color:var(--teal);}
.foot p{font-size:.84rem;line-height:1.8;}
.foot .crow{display:flex;gap:.75rem;align-items:flex-start;font-size:.85rem;padding:.3rem 0;}
.foot .crow i{color:var(--green);margin-top:.3rem;flex:0 0 auto;}
.fsoc{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.1);display:grid;place-items:center;color:#fff;font-size:.85rem;}
.fsoc:hover{background-color:#fff;}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:2.75rem;padding:1.35rem 0;font-size:.78rem;}
.legal{font-size:.73rem;line-height:1.8;color:rgba(255,255,255,.4);margin-top:1.5rem;}
.eho{display:flex;gap:.8rem;align-items:center;font-size:.74rem;line-height:1.6;color:rgba(255,255,255,.5);margin-top:1.25rem;}
.eho i{font-size:1.7rem;color:rgba(255,255,255,.75);}

:focus-visible{outline:3px solid var(--teal);outline-offset:3px;border-radius:8px;}
@media (prefers-reduced-motion:reduce){*,*::before,*::after{transition:none!important;}}

@media (max-width:1199px){
  .float-card{left:0;width:152px;}
  .about-card{right:0;width:164px;}
  .phone-card{right:0;width:152px;}
}
@media (max-width:991px){
  .sec{padding:3.25rem 0;}
  .hero{padding:2.75rem 0 3.25rem;}
  .hero-art{margin-top:2.5rem;}
  .sgrid{grid-template-columns:repeat(2,1fr);gap:1.75rem;}
  .stats-panel,.cta-box{padding:1.75rem;}
  .about-card{position:static;width:auto;margin-top:1rem;}
  .about-art .accent{display:none;}
  .phone-card{position:static;width:auto;margin-top:1rem;text-align:left;display:flex;gap:.9rem;align-items:center;}
  .phone-card .pi{margin:0;}
}
@media (max-width:575px){
  .sgrid{grid-template-columns:1fr;}
  .float-card{position:static;width:auto;margin-top:1rem;}
  .hero-photo{border-radius:8px 40px 8px 40px;}
  .hero-art .blob{display:none;}
  .offers{min-height:118px;}
  .svc{grid-template-columns:1fr;gap:.75rem;}
}
/*================================================
footer End
=================================================*/

/*================================================
footer  start
=================================================*/

.cta-section {
    position: relative;
    padding: 0 0 120px;
}
.cta-box::before {
        content: "";
    position: absolute;
    inset: 0;
    opacity: .5;
   background-image: repeating-linear-gradient(115deg, rgb(220 234 240 / 41%) 0 1px, transparent 1px 24px);
}
.cta-box{background:var(--wash);border-radius:20px;padding:2.5rem; overflow: hidden; position: relative; z-index: 2;}
.cta-photo{position:relative;border-radius:var(--r);overflow:hidden;aspect-ratio:16/10;background:linear-gradient(150deg,#D7E7EE,#EFF6F9);}
.cta-photo img{width:100%;height:100%;object-fit:cover;position:relative;z-index:2;}
.cta-photo .ghost{position:absolute;inset:0;display:grid;place-items:center;color:rgba(54,158,170,.3);font-size:3rem;}
.phone-card{animation: hover-chip 7s ease-in-out infinite; position:absolute;right:-2%;bottom:12%;z-index:4;background:#fff;border-radius:14px;padding:1.25rem;box-shadow:var(--shadow-lg);text-align:center;width:172px;}
.phone-card .pi{width:52px;height:52px;border-radius:50%;background:var(--green);color:#fff;display:grid;place-items:center;font-size:1.3rem;margin:0 auto .8rem;}
.phone-card .pn{font-family:var(--font-display);font-weight:800;font-size:.98rem;color:var(--ink);display:block;letter-spacing:-.01em;}
.phone-card .pd{font-size:.74rem;color:var(--muted);display:block;margin-top:.2rem;}
@keyframes hover-chip{0%,100%{transform:translateY(0)}50%{transform:translateY(-9px)}}
.cta-body {
    position: relative;
    z-index: 2;
}

/*================================================
footer  end
=================================================*/
.uline{position:relative;display:inline-block;color:var(--green-dark);white-space:nowrap;     font-style: italic;}
.uline svg{
  position:absolute;left:-.04em;right:-.04em;bottom:-.22em;width:calc(100% + .08em);height:.34em;
  overflow:visible;pointer-events:none;
}
.uline svg path{
  fill:none;stroke:var(--green);stroke-width:5;stroke-linecap:round;vector-effect:non-scaling-stroke;
  stroke-dasharray:1;stroke-dashoffset:1;
  transition:stroke-dashoffset 1s cubic-bezier(.35,.8,.3,1) .15s;
}
.uline.drawn svg path{stroke-dashoffset:0;}
/* on dark panels the word itself stays white */
.on-dark-h .uline{color:#fff;}
@media (max-width:575px){ .uline{white-space:normal;} .uline svg{display:none;} }
@media (prefers-reduced-motion:reduce){
  .uline svg path{transition:none;stroke-dashoffset:0;}
}



/* ==========================================================
   REVIEW WALL — two rows drifting in opposite directions
   ========================================================== */
.reviews-section{
    padding-bottom:120px;
     padding-top:120px;
    overflow:hidden;
}
.rev-summary{
  display:inline-flex;align-items:center;gap:1.25rem;background:#fff;border:1px solid var(--line);
  border-radius:999px;padding:.7rem 1.5rem .7rem .8rem;box-shadow:var(--shadow);
}
.rev-score{
     width: 50px;
    height: 50px;
    border-radius: 50%;
    background: var(--green);
    color: var(--navy-900);
    display: grid;
    place-items: center;
    font-family: var(--font-display);
    font-weight: 800;
    font-size: 21px;
    flex: 0 0 auto;
}
.rev-summary .rs{display:block;font-size:12px;color:var(--body);line-height:1.4;}
.rev-summary .rs b{color:var(--ink);font-family:var(--font-display);font-weight:800;}
.rev-summary .stars{color:var(--green-dark);font-size:16px;letter-spacing:.06em;}

.wall{position:relative;margin-top:3rem;}
.wall::before,.wall::after{
  content:"";position:absolute;top:0;bottom:0;width:130px;z-index:3;pointer-events:none;
}
.wall::before{left:0;background:linear-gradient(90deg,var(--wash),transparent);}
.wall::after{right:0;background:linear-gradient(270deg,var(--wash),transparent);}

.wall-row{display:flex;gap:1rem;width:max-content;padding:.35rem 0;}
.wall-row.a{animation:drift-l 58s linear infinite;}
.wall-row.b{animation:drift-r 66s linear infinite;margin-top:1rem;}
@keyframes drift-l{to{transform:translateX(-50%);}}
@keyframes drift-r{from{transform:translateX(-50%);}to{transform:translateX(0);}}
.wall:hover .wall-row{animation-play-state:paused;}

.rcard{
  width:340px;flex:0 0 340px;background:#fff;border:1px solid var(--line);border-radius:16px;
  padding:1.35rem;transition:transform .25s cubic-bezier(.2,.8,.2,1),box-shadow .25s ease,border-color .25s ease;
}
.rcard:hover{transform:translateY(-5px);box-shadow:var(--shadow-lg);border-color:var(--teal);}
.rcard .top{display:flex;justify-content:space-between;align-items:center;margin-bottom:.75rem;}
.rcard .stars{color: #f5a623;font-size:.8rem;}
.rcard .vf{font-size:.62rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:#164177;display:inline-flex;align-items:center;gap:.3rem;}
.rcard p{font-size:.88rem;line-height:1.75;color:var(--body);margin:0 0 1.15rem;}
.rcard .who{display:flex;gap:.7rem;align-items:center;border-top:1px solid var(--line-soft);padding-top:.9rem;}
.rcard .av{
  width:38px;height:38px;border-radius:50%;flex:0 0 auto;display:grid;place-items:center;
  font-family:var(--font-display);font-weight:800;font-size:.72rem;color:#fff;
      background-color: var(--navy-700);
}
.rcard .n{font-size:.84rem;font-weight:700;color:var(--ink);display:block;line-height:1.3;}
.rcard .m{font-size:.73rem;color:var(--muted);display:block;margin-top:.1rem;}
.rcard .tag{
  margin-left:auto;font-size:.64rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  background:var(--teal-soft);color:var(--teal-dark);border-radius:6px;padding:.22rem .5rem;white-space:nowrap;
}
.wall-row .rcard {
    transition: 
        opacity 0.4s ease,
        transform 0.4s ease,
        filter 0.4s ease,
        box-shadow 0.4s ease;
}

.wall-row:hover .rcard:not(:hover) {
    opacity: 0.5;
    filter: blur(1px);
    transform: scale(0.96);
}

.wall:has(.wall-row:hover) .wall-row:not(:hover) .rcard {
    opacity: 0.5;
    filter: blur(1px);
    transform: scale(0.96);
}

.wall-row .rcard:hover {
    opacity: 1;
    filter: none;
    transform: translateY(-10px) scale(1.03);
    box-shadow: 0 25px 50px rgba(4, 42, 86, 0.20);
}

.rev-summary > span {
    text-align: left;
}
@media (max-width:575px){
  .rcard{width:280px;flex:0 0 280px;}
  .wall::before,.wall::after{width:60px;}
  .rev-summary{padding:.7rem 1.15rem .7rem .7rem;gap:.9rem;}
}
@media (prefers-reduced-motion:reduce){
  .wall-row{animation:none;width:auto;flex-wrap:wrap;justify-content:center;}
  .wall::before,.wall::after{display:none;}
}
/* ==========================================================
   REVIEW WALL — End    
   ========================================================== */

/* ==========================================================
   Calculator — Start  
   ========================================================== */
.payment-section {
    padding: 0 0 0;
}
.payment-calculator {background:#fff;    max-width: 1000px;
    margin: 0 auto;border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow-lg);overflow:hidden;display:grid;grid-template-columns:1fr 380px;}
.k2-in{padding:2rem;}
.k2-out{background:var(--wash);border-left:1px solid var(--line);padding:2rem;display:flex;flex-direction:column;align-items:center;justify-content:center;}
.ring{position:relative;width:220px;height:220px;}
.ring svg{width:100%;height:100%;transform:rotate(-90deg);}
.ring circle{fill:none;stroke-width:20;transition:stroke-dasharray .5s cubic-bezier(.2,.8,.2,1);}
.ring .mid{position:absolute;inset:0;display:grid;place-content:center;text-align:center;}
.ring .mid .l{font-size:.62rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);display:block;}
.ring .mid .k{font-family:var(--font-display);font-weight:800;font-size:1.85rem;color:var(--ink);display:block;line-height:1.1;margin-top:.2rem;letter-spacing:-.035em;}
.ring .mid .s{font-size:.7rem;color:var(--muted);display:block;}
.legend{width:100%;margin-top:1.5rem;display:grid;gap:.5rem;}
.legend .li{display:flex;align-items:center;gap:.6rem;font-size:.84rem;}
.legend .sw{width:11px;height:11px;border-radius:3px;flex:0 0 auto;}
.legend .amt{margin-left:auto;font-family:var(--font-display);font-weight:800;color:var(--ink);}

.payment-calculator input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:99px;background:var(--line);}
.payment-calculator input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--teal);border:4px solid #fff;box-shadow:0 2px 9px rgba(54,158,170,.5);cursor:pointer;}
.payment-calculator input[type=range]::-moz-range-thumb{width:15px;height:15px;border-radius:50%;background:var(--teal);border:4px solid #fff;cursor:pointer;}
.frow{margin-bottom:1.3rem;}
.frow .top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:.5rem;gap:1rem;}
.frow label{font-size:16px;font-weight:400;color:var(--navy-700);}
.frow .v{font-family:var(--font-display);font-weight:800;font-size:1.02rem;color:var(--ink);white-space:nowrap;}
.frow .scale{display:flex;justify-content:space-between;font-size:14px;color:var(--muted);margin-top:.35rem;}

/* ==========================================================
    Calculator — End    
   ========================================================== */


  .page-hero {
         background: linear-gradient(125deg, var(--navy-900) 0%, #0A3A6B 55%, var(--navy-700) 100%);
    padding: 60px 0 124px;
    color: #fff;
    position: relative;
    overflow: hidden;
}

  .page-hero.loan-option-hero {
   padding: 70px 0 110px;
}

  .page-hero.resources-page-hero {
   padding: 60px 0 60px;
}

.page-hero.privacy-hero {
   padding: 60px 0 60px;
}

  .page-hero.resources-page-hero  .page-hero-action {
  position: relative;
    justify-content: start;
}

.hero-action {
  margin-top: 25px;
  display: flex;
  gap: 20px;
}


.loan-option-hero .container {
  position: relative;
}

.page-hero .brand i {
    position: absolute;
    right: -2%;
    top: -12%;
    font-size: 19rem;
    line-height: 1;
    color: rgba(255, 255, 255, .05);
    pointer-events: none;
}
.page-hero .breadcrumb {
    font-size: 0.8rem;
    color: rgb(255 255 255 / 70%);
  
}

.page-hero .breadcrumb a {
    color: rgb(255 255 255 / 85%);
    text-decoration: none;
}

.page-hero .breadcrumb i {
    margin: 0 6px;
    display: flex;
    align-items: center;
}

.page-hero-content {
    text-align: left;
      max-width: 850px;
}

.page-hero-content h1 {
        font-weight: 400;
    font-size: clamp(1.5rem, 3vw, 2.9rem);
    margin-bottom: 10px;
    margin-top: 10px;
    font-family: var(--font-display);
    max-width: 850px;
    color: #fff;
    letter-spacing: 0.2px;
    line-height: 54px;
}

.page-hero-content h1 span {
  color: var(--green);
      font-weight: 800;
}

.page-hero-content h1 em {
    font-style: italic;
    box-shadow: inset 0 -.32em 0 var(--mark);
}

.page-hero-content p {
    margin: 1.1rem 0 0;
    font-size: 18px;
    line-height: 1.5;
    color: rgb(255 255 255 / 85%);
    margin-bottom: 0;
    margin-top: 20px;
}
.face-row{display:flex;align-items:center;gap:.9rem;margin-top:1.75rem;}
.faces{display:flex;}
.faces span{
  width:46px;height:46px;border-radius:50%;border:3px solid #fff;margin-left:-14px;
  display:grid;place-items:center;font-family:var(--font-display);font-weight:800;font-size:.76rem;
  color:#fff;position:relative;overflow:hidden;
}
.faces span:first-child{margin-left:0;}
.faces span img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:2;}
.faces span:nth-child(1){background:var(--navy);}
.faces span:nth-child(2){background:var(--teal);}
.faces span:nth-child(3){background:var(--green-deep);}
.faces span:nth-child(4){background:var(--teal-deep);}
.face-row .t{font-size:.9rem;color: rgb(255 255 255 / 85%)}
.face-row .t b{color:var(--body);font-family:var(--font-display);}


.pv-meta{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:16px;padding:1.35rem;backdrop-filter:blur(6px);}
.pm-row {
    display: flex;
    justify-content: space-between;
    gap: 1rem;
    padding: .55rem 0;
    border-bottom: 1px solid rgba(255, 255, 255, .12);
    font-size: .83rem;
}
.pm-row .l {
    color: rgba(255, 255, 255, .5);
}
.pm-row .v {
    color: #fff;
    font-family: var(--font-display);
    font-weight: 700;
}
.pm-row .v a {
    color: var(--green);
}
/* firm card */
.firm{
 background: #fff;
    border: 1px solid #13407514;
    border-radius: 20px;
    box-shadow: var(--shadow-lg);
    padding: 1.75rem;
    display: grid;
    grid-template-columns: 1fr 260px;
    gap: 2rem;
    align-items: center;
    margin-top: 2.25rem;
}
.firm h2{  font-family: var(--font-display);
    color: var(--ink);
    font-weight: 800;
    line-height: 1.14;
    letter-spacing: -.025em;
    margin: 0;  font-size: 26px;}
.firm p{    font-size: 16px;
    line-height: 1.75;
    margin: 0; color: var(--body); margin-bottom: 14px;}
.firm-badge{text-align:center;border-left:1px solid var(--line);padding-left:2rem;}
.firm-badge .mk{width:72px;height:52px;margin:0 auto .85rem;}
.firm-badge .mk svg{width:100%;height:100%;}
.firm-badge .t{font-family:var(--font-display);font-weight:800;font-size:.95rem;color:var(--navy-900);display:block;text-transform:uppercase;letter-spacing:.02em;}
.firm-badge .s{font-family:'Caveat',cursive;font-size:1.5rem;color:var(--teal);display:block;margin-top:.2rem;line-height:1;}
.firm-badge .n{font-size:.68rem;color:var(--muted);display:block;margin-top:.5rem;letter-spacing:.09em;}

.firm-area {
  position: relative;
  top: -90px;
}

/* ==========================================================
   PROFILE — End
   ========================================================== */

   /* ============================================================
   C — PROFILE DASHBOARD Start
   ============================================================ */
.dash{max-width:1060px;margin-inline:auto;background:var(--wash);border-radius:24px;padding:2.25rem;}
.dash-top{display:grid;grid-template-columns:280px 1fr auto;gap:1.75rem;align-items:center;}
.ring-wrap{position:relative;width:280px;height:280px;}
.ring-wrap svg{position:absolute;inset:0;width:100%;height:100%;transform:rotate(-90deg);}
.ring-wrap circle{fill:none;stroke-width:6;stroke-linecap:round;}
.dash-photo{position:absolute;inset:14px;border-radius:50%;overflow:hidden;background:linear-gradient(150deg,#D7E7EE,#EFF6F9);}
.dash-photo img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0;z-index:2;}
.dash-photo .ghost{position:absolute;inset:0;display:grid;place-items:center;color:rgba(54,158,170,.3);font-size:2.6rem;}
.dash-badge{position:absolute;left:50%;transform:translateX(-50%);bottom:-8px;z-index:5;background:var(--green);color:var(--navy-900);border-radius:999px;padding:.32rem .9rem;font-family:var(--font-display);font-weight:800;font-size:.68rem;letter-spacing:.1em;text-transform:uppercase;box-shadow:0 6px 16px rgba(157,206,91,.42);white-space:nowrap;}
.dash h2{font-size:clamp(1.7rem,3vw,48px);text-transform:uppercase;letter-spacing:-.04em;    line-height: 48px;}
.dash h2 span{color:var(--teal);     font-size: 50px;}
.dash .role{font-family:var(--font-display);font-weight:700;font-size:16px;color:var(--link);display:block;margin-top:.3rem;}
.dash .idline{color: var(--muted);
    margin-top: 10px;
    display: block;}
.dash-actions{display:grid;gap:.45rem;}
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:.75rem;margin:1.75rem 0;}
.tile{background:#fff;border-radius:14px;padding:1.15rem;transition:all .24s cubic-bezier(.2,.8,.2,1); position:relative;overflow:hidden;}
.tile:hover{transform:translateY(-5px);box-shadow:var(--shadow);}
.tile i{    font-size: 30px;
    color: var(--teal);
    display: block;
    margin-bottom: .6rem;
    position: absolute;
    right: 16px;
    opacity: 0.2;}
.tile:nth-child(2) i{color:var(--green-dark);}
.tile:nth-child(4) i{color:var(--green-dark);}
.tile .k{    font-family: var(--font-display);
    font-weight: 900;
    font-size: 26px;
    color: var(--ink);
    display: block;
    line-height: 1;
    letter-spacing: -.04em;}
.tile .k em{    font-style: normal;
    color: var(--green-dark);
    font-size: 19px;
    margin-left: 1px;
    letter-spacing: normal;}
.tile .l{font-size:.7rem;color:var(--muted);display:block;margin-top:.35rem;}
.dash-body{background:#fff;border-radius:16px;padding:1.75rem;}
.dash-body p{font-size:16px;line-height:1.6;margin:0 0 1rem; color:var(--body);}
.dash-quote{background:var(--green-soft);border-radius:12px;padding:1.1rem 1.3rem;font-family:var(--font-display);font-weight:700;font-size:1rem;line-height:1.6;color:var(--ink);letter-spacing:-.015em;margin:1.25rem 0;}
.chips{display:flex;flex-wrap:wrap;gap:.45rem;}
.chip{display:inline-flex;align-items:center;gap:.45rem;background:var(--wash);color:var(--navy-700);border-radius:8px;padding:.45rem .85rem;font-size:.8rem;font-weight:600;transition:all .2s ease;}
.chip i{color:var(--green-dark);}
.chip:hover{background:var(--teal-soft);transform:translateY(-3px);}
.soc{width: 36px;
    height: 36px;
    border-radius: 9px;
    background: #ffffff;
    color: var(--navy-700);
    display: grid;
    place-items: center;
    font-size: 18px;
    transition: all .2s ease; margin-top: 12px;}
.soc:hover{background:var(--teal);color:#fff;}
.idline .nm {
    background: var(--navy-900);
    color: #fff;
    border-radius: 6px;
    padding: .24rem .6rem;
    font-family: var(--font-display);
    font-weight: 800;
       font-size: 12px;
    letter-spacing: .08em;
    margin-top: 10px;
}
@media (max-width:991px){
  .dash-top{grid-template-columns:1fr;justify-items:center;text-align:center;}
  .dash-actions{width:100%;}
}
@media (max-width:575px){
  .dash,.cred-body,.ov-card,.dash-body{padding:1.35rem;}
}

   /* ============================================================
   C — PROFILE DASHBOARD END
   ============================================================ */



   /* profile */
.pro{display:grid;grid-template-columns:290px 1fr;gap:2.25rem;align-items:start;}
.teams-list .pro-photo{    position: relative;
    border-radius: var(--r);
    overflow: hidden;
    aspect-ratio: 4 / 5;
    background: linear-gradient(150deg, #D7E7EE, #EFF6F9);
    border: solid 1px #f2f2f2;}
.teams-list .pro-photo img{width:100%;height:100%;object-fit:cover;position:relative;z-index:2;}
.teams-list .pro-photo .ghost{position:absolute;inset:0;display:grid;place-items:center;color:rgba(54,158,170,.3);font-size:3.2rem;}
.teams-list .pro-photo .nm{position:absolute;top:.85rem;left:.85rem;z-index:4;background:rgba(255,255,255,.94);border-radius:7px;padding:.28rem .6rem;font-family:var(--font-display);font-weight:800;font-size:.65rem;letter-spacing:.06em;color:var(--navy-900);}
.teams-list .pro-social{display:flex;gap:.4rem;margin-top:.75rem;}
.teams-list .pro-social a{width:36px;height:36px;border-radius:9px;background:var(--wash);color:var(--navy-700);display:grid;place-items:center;font-size:.85rem;transition:all .2s ease;}
.teams-list .pro-social a:hover{background:var(--teal);color:#fff;}

.teams-list .pro-role{display:flex;flex-wrap:wrap;gap:.5rem;align-items:start;margin:.5rem 0 1.25rem; flex-direction: column;}
.teams-list .pro-role .r{ font-family: var(--font-display);
    font-weight: 700;
    font-size: 16px;
    color: var(--link);
    display: block;
   }
.teams-list .stats{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft);padding:1.1rem 0;margin:1.35rem 0;}
.teams-list .stats .k{font-family:var(--font-display);font-weight:800;font-size:1.4rem;color:var(--navy-700);display:block;line-height:1;letter-spacing:-.035em;}
.teams-list .stats .k em{font-style:normal;color:var(--green-dark);}
.teams-list .stats .l{font-size:.7rem;color:var(--muted);display:block;margin-top:.35rem;}
.teams-list .pull{border-left:4px solid var(--green);padding:.3rem 0 .3rem 1.2rem;margin:1.35rem 0;font-family:var(--font-display);font-weight:700;font-size:1.05rem;line-height:1.6;color:var(--ink);letter-spacing:-.015em;}
.teams-list .chips{display:flex;flex-wrap:wrap;gap:.45rem;margin-top:1.15rem;}
.teams-list.chip{display:inline-flex;align-items:center;gap:.45rem;background:var(--green-soft);color:var(--navy-900);border-radius:8px;padding:.45rem .85rem;font-size:.81rem;font-weight:600;}
.teams-list .chip i{color:var(--green-dark);}
.teams-list .cline{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1.35rem;}
.teams-list .cpill{display:inline-flex;align-items:center;gap:.5rem;border:1px solid var(--line);border-radius:8px;padding:.6rem .95rem;font-size:.84rem;color:var(--ink);font-weight:600;transition:all .2s ease;}
.teams-list .cpill i{color:var(--teal);}
.teams-list .cpill:hover{border-color:var(--teal);color:var(--teal);transform:translateY(-2px);}


.teams-list-section {
  margin-top: 120px;
  padding-bottom: 120px;
}

.teams-list-row {
  --bs-gutter-x: 60px;
    --bs-gutter-y: 30px;
}

.teams-list  .pro-role h2 {
  font-size: 36px;
  font-family: var(--font-display);
  color: var(--ink);
  font-weight: 800;
}
.teams-list  .pro-role h2 span{
      color: var(--teal);
    font-size: 36px;
}

.teams-list .teams-item {
  background: #fff;
    border-radius: 20px;
    box-shadow: 0 4px 14px rgb(17 24 39 / 6%);
    padding: 12px;
    margin-bottom: 38px;

}

.teams-list .teams-item:hover{
      box-shadow: 0 14px 34px rgb(37 99 235 / 14%);
    border-color: #bfd3fb;
}

.teams-list hr {
  opacity: 0.1;
  margin: 2.5rem 0;
}

.teams-list .idline .nm {
    background: var(--teal);
}
.teams-list .btn {
     padding: 8px 22px;
   min-height: 40px;
  cursor: pointer;  
  font-size: 14px;
}
.facts{background:#fff;border-radius:16px;padding:1.35rem;box-shadow:var(--shadow); position:sticky; top:120px;}
.fact{display:flex;gap:.85rem;align-items:center;padding:.85rem 0;border-bottom:1px solid var(--line-soft);}
.fact:last-child{border-bottom:0;}
.fact .fi{width:38px;height:38px;border-radius:11px;background:var(--teal-soft);color:var(--teal);display:grid;place-items:center;font-size:.95rem;flex:0 0 auto;}
.fact:nth-child(2) .fi{background:var(--green-soft);color:var(--green-dark);}
.fact .k{font-family:var(--font-display);font-weight:800;font-size:.92rem;color:var(--ink);display:block;line-height:1.25;}
.fact .l{font-size:.74rem;color:var(--muted);display:block;}


/* the one feature element: a rotating call badge */
.calldisc{        position: absolute;
    width: 230px;
    height: 230px;
    margin-left: auto;
    display: grid;
    place-items: center;
    right: 0;
    top: -20px;}
.calldisc .ring{position:absolute;inset:0;animation:spin 22s linear infinite;}
.calldisc .ring svg{width:100%;height:100%;}
.calldisc .ring text{
  font-family:var(--font-display);font-weight:800;font-size:11.5px;letter-spacing:.32em;
  text-transform:uppercase;fill:rgba(255,255,255,.72);
}
@keyframes spin{to{transform:rotate(360deg);}}
.calldisc .core{
  position:relative;z-index:3;width:118px;height:118px;border-radius:50%;background:var(--green);
  color:var(--navy-900);display:grid;place-items:center;text-align:center;line-height:1.15;
  box-shadow:0 16px 40px rgba(157,206,91,.42);transition:transform .25s cubic-bezier(.2,.8,.2,1);
}
.calldisc:hover .core{transform:scale(1.06);}
.calldisc .core i{font-size:1.5rem;display:block;}
.calldisc .core span{font-family:var(--font-display);font-weight:800;font-size:.63rem;letter-spacing:.11em;text-transform:uppercase;display:block;margin-top:.3rem;}
.calldisc .halo{position:absolute;width:150px;height:150px;border-radius:50%;border:1px solid rgba(157,206,91,.45);animation:halo 2.6s ease-out infinite;}
@keyframes halo{0%{transform:scale(.85);opacity:.85}100%{transform:scale(1.45);opacity:0}}



/* ---------- contact information: angled tri-panel ---------- */

.contact-form-section {
  padding: 120px 0;
  
}

.contact-panels .container{max-width:1060px;margin-inline:auto;}

.contact-panels .info{
  display:grid;grid-template-columns:repeat(3,1fr);background:#fff;border:1px solid var(--line);
  border-radius:20px;overflow:hidden;box-shadow:var(--shadow-lg);margin-top:-2.75rem;position:relative;z-index:5;
}
.contact-panels .ipanel{
  position:relative;padding:1.85rem 1.6rem;overflow:hidden;transition:color .28s ease;display:block;
}
.contact-panels .ipanel + .ipanel::before{
  content:"";position:absolute;left:0;top:14%;bottom:14%;width:1px;background:var(--line);z-index:3;
}
.contact-panels .ipanel::after{
  content:"";position:absolute;inset:0;z-index:0;
  background:linear-gradient(120deg,var(--navy-900),var(--navy-700));
  transform:translateY(101%);transition:transform .38s cubic-bezier(.2,.8,.2,1);
}
.contact-panels .ipanel:hover::after{transform:translateY(0);}
.contact-panels .ipanel > *{position:relative;z-index:2;}
.contact-panels .iico{
  width:52px;height:52px;border-radius:15px;background:var(--teal-soft);color:var(--teal);
  display:grid;place-items:center;font-size:1.2rem;margin-bottom:1.1rem;transition:all .3s ease;
}
.contact-panels .ipanel:nth-child(2) .iico{background:var(--green-soft);color:var(--green-dark);}
.contact-panels .ipanel:hover .iico{background:var(--green);color:var(--navy-900);transform:translateY(-4px) rotate(-6deg);}
.contact-panels .ipanel .l{font-size:.66rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);display:block;transition:color .28s ease;}
.contact-panels .ipanel .v{font-family:var(--font-display);font-weight:800;font-size:1.15rem;color:var(--ink);display:block;margin-top:.4rem;line-height:1.3;letter-spacing:-.025em;word-break:break-word;transition:color .28s ease;}
.contact-panels .ipanel .d{font-size:.79rem;color:var(--muted);display:block;margin-top:.4rem;transition:color .28s ease;}
.contact-panels .ipanel .arrow{display:inline-flex;align-items:center;gap:.4rem;margin-top:1rem;font-family:var(--font-display);font-weight:800;font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--teal);transition:color .28s ease;}
.contact-panels .ipanel .arrow i{transition:transform .22s ease;}
.contact-panels .ipanel:hover .arrow i{transform:translateX(4px);}
.contact-panels .ipanel:hover .l{color:rgba(255,255,255,.5);}
.contact-panels .ipanel:hover .v{color:#fff;}
.contact-panels .ipanel:hover .d{color:rgba(255,255,255,.6);}
.contact-panels .ipanel:hover .arrow{color:var(--green);}
@keyframes ring{0%,100%{transform:rotate(0)}20%{transform:rotate(-14deg)}40%{transform:rotate(12deg)}60%{transform:rotate(-8deg)}80%{transform:rotate(5deg)}}
.contact-panels .ipanel:hover .iico i.bi-telephone-fill{animation:ring .6s ease;}



.fcard{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;box-shadow:var(--shadow);}
.fcard-h{padding:1.5rem 1.75rem;border-bottom:1px solid var(--line-soft);}
.fcard-h h2{font-size:1.25rem;}
.fcard-h p{font-size:.85rem;color:var(--muted);margin:.3rem 0 0;}
.fcard-b{padding:1.75rem;}
.fld{margin-bottom:1rem;}
.fld label{    display: block;
    font-size: 16px;
    font-weight: 500;
    letter-spacing: 0;
    color: var(--navy-700);
    margin-bottom: .4rem;}
.fld label .req{color:var(--teal);}
.fld input,.fld select,.fld textarea{
  width:100%;border:1px solid var(--line);border-radius:10px;padding:.8rem .95rem;font-size:.92rem;
  color:var(--ink);font-family:inherit;background:#fff;transition:border-color .2s ease,box-shadow .2s ease;
}
.fld textarea{min-height:118px;resize:vertical;}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:0;border-color:var(--teal);box-shadow:0 0 0 4px var(--teal-soft);}
.fld.err input,.fld.err select,.fld.err textarea{border-color:#DC3545;}
.fld .msg{font-size:.74rem;color:#DC3545;margin-top:.3rem;display:none;}
.fld.err .msg{display:block;}
.optin{display:flex;gap:.65rem;align-items:flex-start;background:var(--wash);border-radius:12px;padding:.95rem 1.05rem;margin:1.15rem 0;}
.optin input{width:17px;height:17px;margin-top:.25rem;flex:0 0 auto;accent-color:var(--teal);}
.optin span{font-size:.73rem;line-height:1.7;color:var(--muted);}
.optin a{color:var(--teal);text-decoration:underline;}
.optin.err{background:#FDECEC;}
.optin.err span{color:#B3403F;}
.fok{display:none;text-align:center;padding:2rem 1rem;}
.fok.show{display:block;}
.fok .ic{width:64px;height:64px;border-radius:50%;background:var(--green-soft);color:var(--green-dark);display:grid;place-items:center;font-size:1.7rem;margin:0 auto 1rem;}


.contact-form-intro {
  position: sticky;
  top: 120px;
}

.section-map {
  position: relative;
  padding-bottom: 120px;
}

.mapband{position:relative;}
.mapwrap{border-radius:20px;overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow);}
.mapwrap iframe{width:100%;height:420px;border:0;display:block;filter:grayscale(.28);}
.office-float{
  position:absolute;left:3.5%;top:50%;transform:translateY(-50%);z-index:5;width:330px;
  background:linear-gradient(150deg,var(--navy-900),var(--navy-700));border-radius:18px;padding:1.6rem;
  color:rgba(255,255,255,.72);box-shadow:0 26px 60px rgba(4,42,86,.35);
}
.office-float h3{color:#fff;font-size:1.05rem;}
.office-float .nm{display:inline-block;background:rgba(157,206,91,.18);border:1px solid rgba(157,206,91,.4);color:var(--green);border-radius:6px;padding:.22rem .6rem;font-family:var(--font-display);font-weight:800;font-size:.64rem;letter-spacing:.08em;margin-top:.5rem;}
.orow{display:flex;gap:.7rem;align-items:flex-start;font-size:.85rem;padding:.4rem 0;}
.orow i{color:var(--green);margin-top:.35rem;flex:0 0 auto;}
.orow a{color:#fff;font-weight:600;}
.orow a:hover{color:var(--green);}
.ohours{border-top:1px solid rgba(255,255,255,.16);margin-top:.9rem;padding-top:.9rem;display:grid;gap:.3rem;font-size:.82rem;}
.ohours .r{display:flex;justify-content:space-between;}
.ohours .r b{color:#fff;font-weight:600;}
.ohours .r.now b{color:var(--green);}



/* lo strip */

.count-box {
  display: flex;
  justify-content: end;
}

.lo-strip{
  background:#fff;border-radius:18px;box-shadow:0 26px 60px rgba(4,42,86,.22);
  display:grid;grid-template-columns:repeat(4,1fr);overflow:hidden;
  margin-top:-3.75rem;position:relative;z-index:6;
  max-width: 1024px;
  margin: -3.75rem  auto auto;
}
.lo-cell{padding:1.6rem 1.4rem;border-right:1px solid var(--line-soft);}
.lo-cell:last-child{border-right:0;}
.lo-cell .k{font-family:var(--font-display);font-weight:900;font-size:1.85rem;color:var(--ink);display:block;line-height:1;letter-spacing:-.05em;}
.lo-cell .k em{font-style:normal;color:var(--green-dark);}
.lo-cell .l{font-size:.72rem;color:var(--muted);display:block;margin-top:.5rem;line-height:1.4;}

.hero-pills{display:flex;flex-wrap:wrap;gap:.45rem;margin-top:1.5rem;}
.hpill{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.42rem .9rem;font-size:.79rem;font-weight:600;color:var(--navy-700);box-shadow:var(--shadow);}
.hpill i{color:var(--green-dark);margin-right:.35rem;}

.loan-options-section {
  padding: 120px 0;
}


/* ---------- filters ---------- */
.lo-filters{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1.6rem;}
.lo-chip{background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:.58rem 1.15rem;font-family:var(--font-display);font-weight:700;font-size:.81rem;color:var(--body);transition:all .2s ease;}
.lo-chip:hover{border-color:var(--teal);color:var(--teal);transform:translateY(-2px);}
.lo-chip.on{background:var(--navy-900);border-color:var(--navy-900);color:#fff;}
.lo-count{font-size:.8rem;color:var(--muted);margin-top:.95rem;display:block;}

.lo-count span {
  color: var(--navy-900);
  font-weight: 600;
}


.lo-card{
  position:relative;background:#fff;border-radius:22px;overflow:hidden;height:100%;
  display:flex;flex-direction:column;
  box-shadow:0 6px 24px rgba(4,42,86,.07);
  transition:transform .42s cubic-bezier(.22,.85,.25,1),box-shadow .42s ease;
}
.lo-card:hover{transform:translateY(-9px);box-shadow:0 28px 60px rgba(4,42,86,.16);}
.lo-card.hide{display:none;}

/* image */
.lo-img{position:relative;aspect-ratio:16/8;overflow:hidden;background:linear-gradient(150deg,#D7E7EE,#EFF6F9);}
.lo-img img{width:100%;height:100%;object-fit:cover;transition:transform 1s cubic-bezier(.22,.85,.25,1);}
.lo-card:hover .lo-img img{transform:scale(1.07);}
.lo-img .ghost{position:absolute;inset:0;display:grid;place-items:center;color:rgba(54,158,170,.32);font-size:2.6rem;z-index: -1;}
/* a soft wash so the icon reads on any photo */
.lo-img::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(180deg,transparent 52%,rgba(4,42,86,.32));
  transition:opacity .4s ease;
}
.lo-card:hover .lo-img::after{opacity:.75;}

/* down payment, soft pill on the image */
.lo-badge{
  position:absolute;top:1rem;left: 1rem;z-index:4;
  background:rgba(255,255,255,.94);backdrop-filter:blur(8px);border-radius:14px;
  padding:.55rem .85rem;text-align:center;box-shadow:0 8px 22px rgba(4,42,86,.16);
  transition:transform .4s cubic-bezier(.22,.85,.25,1);
}
.lo-card:hover .lo-badge{transform:translateY(-3px);}
.lo-badge .k{font-family:var(--font-display);font-weight:800;font-size:1.15rem;color:var(--teal);display:block;line-height:1;letter-spacing:-.035em;}
.lo-badge .l{font-size:.58rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);display:block;margin-top:.22rem;}

/* circular icon straddling the image edge */
.lo-ico{
  position:absolute;right:15px;bottom: 15px;z-index:5;
  width:52px;height:52px;border-radius:50%;display:grid;place-items:center;font-size:1.15rem;
  background:var(--ac,var(--teal));color:#fff;border:2px solid #fff;
  box-shadow:0 8px 22px rgba(4,42,86,.2);
  /* transition:transform .42s cubic-bezier(.22,.85,.25,1); */
  transition: opacity 0.4s ease, transform 0.4s ease, filter 0.4s ease, box-shadow 0.4s ease;
}

.lo-card:hover .lo-ico{transform:scale(1.1) rotate(-8deg);}

.lo-body{padding:2.4rem 1.5rem 1.5rem;display:flex;flex-direction:column;flex:1;}
.lo-name{font-family:var(--font-display);font-weight:800;font-size:1.25rem;color:var(--ink);display:block;line-height:1.1;letter-spacing:-.03em;text-transform:uppercase;}
.lo-sub{font-size:.68rem;color:var(--muted);letter-spacing:.13em;text-transform:uppercase;display:block;margin-top:.35rem;}
.lo-desc{    font-size: 16px;
    line-height: 24px;color:var(--body);margin:.9rem 0 1.25rem;flex:1;}

/* facts, quiet and inline */
.lo-facts{display:flex;flex-wrap:wrap;gap:1.4rem;border-top:1px solid var(--line-soft);padding-top:1rem;margin-bottom:1.15rem;}
.lo-facts .k{font-family:var(--font-display);font-weight:800;font-size:.98rem;color:var(--ink);display:block;line-height:1;letter-spacing:-.02em;}
.lo-facts .l{font-size:.65rem;color:var(--muted);display:block;margin-top:.28rem;}

.lo-go{
  display:inline-flex;align-items:center;gap:.45rem;font-family:var(--font-display);font-weight:800;
  font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--ac,var(--teal));
}
.lo-go i{transition:transform .25s ease;}
.lo-card:hover .lo-go i{transform:translateX(5px);}
.lo-col {
    transition: opacity 0.35s ease, transform 0.35s ease;
}

.lo-col.filter-hide {
    opacity: 0;
    transform: translateY(20px) scale(0.97);
}

.lo-col.filter-show {
    animation: filterShow 0.5s ease forwards;
}

@keyframes filterShow {
    from {
        opacity: 0;
        transform: translateY(25px) scale(0.97);
    }

    to {
        opacity: 1;
        transform: translateY(0) scale(1);
    }
}


/* FAQ  */

.faq-section {
  padding: 0 0 120px;
}

.accordion {
    --bs-accordion-color: var(--bs-body-color);
    --bs-accordion-bg: var(--bs-body-bg);
    --bs-accordion-transition: color 0.15s ease-in-out, background-color 0.15s ease-in-out, border-color 0.15s ease-in-out, box-shadow 0.15s ease-in-out, border-radius 0.15s ease;
    --bs-accordion-border-color: var(--bs-border-color);
    --bs-accordion-border-width: var(--bs-border-width);
    --bs-accordion-border-radius: var(--bs-border-radius);
    --bs-accordion-inner-border-radius: calc(var(--bs-border-radius) - (var(--bs-border-width)));
    --bs-accordion-btn-padding-x: 1.25rem;
    --bs-accordion-btn-padding-y: 1rem;
    --bs-accordion-btn-color: var(--bs-body-color);
    --bs-accordion-btn-bg: var(--bs-accordion-bg);
    --bs-accordion-btn-icon: url(data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%23212529'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e);
    --bs-accordion-btn-icon-width: 1.25rem;
    --bs-accordion-btn-icon-transform: rotate(-180deg);
    --bs-accordion-btn-icon-transition: transform 0.2s ease-in-out;
    --bs-accordion-btn-active-icon: url(data:image/svg+xml,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16' fill='%23052c65'%3e%3cpath fill-rule='evenodd' d='M1.646 4.646a.5.5 0 0 1 .708 0L8 10.293l5.646-5.647a.5.5 0 0 1 .708.708l-6 6a.5.5 0 0 1-.708 0l-6-6a.5.5 0 0 1 0-.708z'/%3e%3c/svg%3e);
    --bs-accordion-btn-focus-border-color: #86b7fe;
    --bs-accordion-btn-focus-box-shadow: 0 0 0 0.25rem rgba(13, 110, 253, 0.25);
    --bs-accordion-body-padding-x: 1.25rem;
    --bs-accordion-body-padding-y: 1rem;
    --bs-accordion-active-color: var(--bs-primary-text-emphasis);
    --bs-accordion-active-bg: var(--bs-primary-bg-subtle);
}
.accordion-header {
    margin-bottom: 0;
}
.faq-accordion .accordion-button {
    padding: 20px 24px;
    color: #111;
    font-size: 18px;
    font-weight: 700;
    background: #fff;
    box-shadow: none;
}

.faq-accordion .accordion-item {
    margin-bottom: 14px;
    border: 1px solid rgba(77, 139, 209, 0.14);
    border-radius: 20px;
    overflow: hidden;
    background: #fff;
    box-shadow: 0 14px 34px rgba(18, 42, 76, 0.05);
    transition: box-shadow .2s ease, transform .2s ease;
}
.faq-accordion .accordion-body {
    padding: 0 24px 24px;
    color: #333;
}
.faq-accordion .accordion-body p:last-child, .faq-accordion .accordion-body ul:last-child {
    margin-bottom: 0;
}

.faq-accordion .accordion-item:hover {
    box-shadow: rgba(0, 186, 254, 0.22) 0px 0px 20px !important;
    opacity: 1;
    transform: translateY(0px);
    cursor: pointer;
}


/* apply-section */

.apply-section {
  padding: 130px 0px;
  margin-bottom: 130px;
       background: linear-gradient(150deg, var(--navy-900), var(--navy-700) 78%, #1B5A96);
}
.qf-points {
    list-style: none;
    padding: 0;
    margin: 30px 0 15px;
    display: grid;
    gap: .9rem;
}
.qf-points li {
    display: flex;
    gap: .85rem;
    align-items: center;
    font-size: .92rem;
    color: #fff;
}
.qf-points .qi {
    width: 38px;
    height: 38px;
    border-radius: 11px;
    background: rgba(157, 206, 91, .18);
    border: 1px solid rgba(157, 206, 91, .35);
    color: var(--green);
    display: grid;
    place-items: center;
    font-size: .9rem;
    flex: 0 0 auto;
}

/* ==========================================================
   QUALIFY FORM — two steps, low friction
   ========================================================== */
.qf-wrap{display:grid;grid-template-columns:1fr 1.05fr;gap:1.25rem;align-items:stretch;}
.qf-side{
  background:linear-gradient(150deg,var(--navy-900),var(--navy-700) 78%,#1B5A96);border-radius:22px;
  padding:2.25rem;color:rgba(255,255,255,.74);position:relative;overflow:hidden;display:flex;flex-direction:column;
}
.qf-side::after{content:"";position:absolute;left:-80px;bottom:-130px;width:320px;height:320px;border-radius:50%;background:rgba(54,158,170,.18);}
.qf-side > *{position:relative;z-index:2;}
.qf-side h2{color:#fff;font-size:clamp(1.6rem,3vw,2.15rem);}
.qf-side p{font-size:.96rem;line-height:1.85;margin:1rem 0 0;}
.qf-points{list-style:none;padding:0;margin:1.75rem 0 0;display:grid;gap:.9rem;}
.qf-points li{display:flex;gap:.85rem;align-items:center;font-size:.92rem;color:#fff;}
.qf-points .qi{width:38px;height:38px;border-radius:11px;background:rgba(157,206,91,.18);border:1px solid rgba(157,206,91,.35);color:var(--green);display:grid;place-items:center;font-size:.9rem;flex:0 0 auto;}
.qf-call{margin-top:auto;padding-top:1.75rem;border-top:1px solid rgba(255,255,255,.16);}
.qf-call .l{font-size:.66rem;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:rgba(255,255,255,.5);display:block;}
.qf-call a{font-family:var(--font-display);font-weight:800;font-size:1.55rem;color:#fff;letter-spacing:-.03em;display:block;margin-top:.35rem;}
.qf-call a:hover{color:var(--green);}

.qf-card{background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg);display:flex;flex-direction:column;}
.qf-h{padding:1.35rem 1.75rem;border-bottom:1px solid var(--line-soft);}
.qf-steps{display: flex;
    align-items: center;
    gap: .6rem;
    max-width: 400px;
    margin: 0 auto;}
.qf-dot{display:flex;align-items:center;gap:.5rem;font-family:var(--font-display);font-weight:800;font-size:.76rem;color:var(--muted);}
.qf-dot .b{width:24px;height:24px;border-radius:50%;background:var(--line-soft);color:var(--muted);display:grid;place-items:center;font-size:.68rem;transition:all .3s ease;}
.qf-dot.on{color:var(--ink);}
.qf-dot.on .b{background:var(--teal);color:#fff;}
.qf-dot.done .b{background:var(--green);color:var(--navy-900);}
.qf-line{flex:1;height:2px;background:var(--line-soft);border-radius:99px;overflow:hidden;}
.qf-line i{display:block;height:100%;width:0;background:var(--green);transition:width .45s cubic-bezier(.2,.8,.2,1);}
.qf-b{padding:1.6rem 1.75rem 1.75rem;flex:1;}
.qf-pane{display:none;}
.qf-pane.on{display:block;animation:qfin .35s cubic-bezier(.2,.8,.2,1);}
@keyframes qfin{from{opacity:0;transform:translateX(12px)}to{opacity:1;transform:none}}

.qfld{margin-bottom:20px;}
.qfld label{    display: block;
    font-size: 16px;
    font-weight: 700;
    letter-spacing: 0;
    color: var(--navy-700);
    margin-bottom: 12px;}
.qfld label .req{color:var(--teal);}
.qfld input,.qfld select{width:100%;border:1px solid var(--line);border-radius:10px;padding:.8rem .95rem;font-size:.92rem;color:var(--ink);font-family:inherit;background:#fff;transition:border-color .2s ease,box-shadow .2s ease;}
.qfld input:focus,.qfld select:focus{outline:0;border-color:var(--teal);box-shadow:0 0 0 4px var(--teal-soft);}
.qfld.err input,.qfld.err select{border-color:#DC3545;}
.qfld .msg{font-size:.74rem;color:#DC3545;margin-top:.3rem;display:none;}
.qfld.err .msg{display:block;}

/* segmented picker */
.seg{display:flex;flex-wrap:wrap;gap:.4rem;}
.seg button{
  background:#fff;border:1.5px solid var(--line);border-radius:10px;padding:.62rem 1rem;
  font-family:var(--font-display);    font-weight: 400;
    font-size: 14px;color:var(--body);transition:all .2s ease;
}
.seg button:hover{border-color:var(--teal);color:var(--teal);}
.seg button.on{background:var(--navy-700);border-color:var(--navy-700);color:#fff;}
.seg.err button{border-color:#DC3545;}

.qf-optin{display:flex;gap:.65rem;align-items:flex-start;background:var(--wash);border-radius:12px;padding:.9rem 1rem;margin:1.1rem 0;}
.qf-optin input{width:17px;height:17px;margin-top:.25rem;flex:0 0 auto;accent-color:var(--teal);}
.qf-optin span{font-size:.72rem;line-height:1.7;color:var(--muted);}
.qf-optin a{color:var(--teal);text-decoration:underline;}
.qf-optin.err{background:#FDECEC;}
.qf-nav{display:flex;gap:.6rem;}
.qf-ok{display:none;text-align:center;padding:2.5rem 1rem;}
.qf-ok.show{display:block;}
.qf-ok .ic{width:66px;height:66px;border-radius:50%;background:var(--green-soft);color:var(--green-dark);display:grid;place-items:center;font-size:1.8rem;margin:0 auto 1.1rem;}
.qf-trust{font-size:.74rem;color:var(--muted);text-align:center;margin-top:.9rem;}

@media (max-width:991px){
  .qf-wrap{grid-template-columns:1fr;}
  .qf-side{padding:1.75rem;}
  .qf-b{padding:1.35rem;}
}
@media (prefers-reduced-motion:reduce){ .qf-pane.on{animation:none;} }

.switch {
  position: relative;
  z-index: 1;
  top: -40px;
}

.switch-in {
    display: flex;
    gap: .4rem;
    overflow-x: auto;
    padding: .75rem 30px;
    scrollbar-width: none;
    background: #fff;
    box-shadow: 0 2px 12px rgba(4, 42, 86, .05);
    border: 1px solid var(--line);
    border-radius: 50px;
}
.switch a:hover {
    border-color: var(--teal);
    color: var(--teal);
}
.switch a.on {
    background: var(--teal);
    border-color: var(--teal);
    color: #fff;
}

.switch a {
    white-space: nowrap;
    border: 1.5px solid var(--line);
    border-radius: 999px;
    padding: .5rem 1.1rem;
    font-family: var(--font-display);
    font-weight: 700;
    font-size: .79rem;
    color: var(--body);
    transition: all .2s ease;
}

.page-hero-action {
     display: flex;
    flex-wrap: wrap;
    gap: .7rem;
    margin-top: 1.75rem;
    justify-content: end;
    position: absolute;
    right: 0;
    bottom: 0;
}

/* specification-section */

.specification-section {
  padding: 60px 0 120px;
}

/* ---------- spec sheet ---------- */
.spec-group{max-width: 1124px; margin: 0 auto 2rem;}
.spec-group:last-child{margin-bottom:0;}
.spec-h{
  display:flex;align-items:center;gap:.9rem;background:linear-gradient(120deg,var(--navy-900),var(--navy-700));
  border-radius:14px;padding:.95rem 1.35rem;margin-bottom:.75rem;
  font-family:var(--font-display);font-weight:800;font-size:.76rem;letter-spacing:.15em;text-transform:uppercase;color:#fff;
}
.spec-h .si{width:34px;height:34px;border-radius:10px;background:rgba(157,206,91,.2);color:var(--green);display:grid;place-items:center;font-size:.85rem;flex:0 0 auto;}
.spec-h .cnt{margin-left:auto;font-size:.7rem;color:rgba(255,255,255,.5);letter-spacing:.08em;}

.srow{
  display:grid;grid-template-columns:60px 210px 1fr;gap:1.35rem;align-items:center;
  background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.15rem 1.35rem;margin-bottom:.5rem;
  transition:transform .26s cubic-bezier(.2,.8,.2,1),box-shadow .26s ease,border-color .26s ease;
}
.srow:hover{transform:translateX(6px);border-color:var(--teal);box-shadow:var(--shadow);}
.srow .sn{
  font-family:var(--font-display);font-weight:900;font-size:1.7rem;line-height:1;letter-spacing:-.05em;
  color:transparent;-webkit-text-stroke:1.5px var(--line);transition:all .28s ease;
}
.srow:hover .sn{-webkit-text-stroke-color:var(--teal);}
.srow .sk{font-size:.73rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;    color: var(--ink);display:block;}
.srow .sv{
  font-family:var(--font-display);font-weight:900;font-size:1.6rem;color:var(--teal);display:block;
  line-height:1;letter-spacing:-.045em;margin-top:.35rem;
}
.srow .sv.sm{font-size:1.15rem;}
.srow .sv.g{color:var(--green-dark);}
.srow p{font-size: 16px;
    line-height: 24px;
    margin: 0;}
.srow p b{color:var(--ink);font-weight:700;}
.srow .note{display:block;font-size:14px;color:var(--muted);margin-top:.5rem;padding-left:.8rem;border-left:2px solid var(--green);}

@media (max-width:991px){
  .wi{padding:3.25rem 0;}
  .cmp{margin-top:2rem;}
  .srow{grid-template-columns:46px 1fr;gap:.9rem;align-items:start;}
  .srow .sk-cell{grid-column:2;}
  .srow p{grid-column:2;margin-top:.6rem;}
  .srow .sn{font-size:1.35rem;}
  .spec-h .cnt{display:none;}
}
@media (prefers-reduced-motion:reduce){ .bar i{transition:none;} }


/* ---------- HUD highlight band ---------- */
.hud{
  position:relative;overflow:hidden;border-radius:22px;
  background:linear-gradient(115deg,var(--navy-900) 0%,#0A3A6B 58%,var(--navy-700) 100%);
  padding:2.5rem;display:grid;grid-template-columns:1fr auto;gap:2.5rem;align-items:center;
  margin-bottom: 120px;
}
.hud::before{
  content:"";position:absolute;inset:0;
 
}
.hud::after{
  content:"";position:absolute;left:0;right:0;top:0;height:5px;
 
}
.hud > *{position:relative;z-index:2;}
.hud-seal{
  display:inline-flex;align-items:center;gap:.55rem;background:rgba(157,206,91,.16);
  border:1px solid rgba(157,206,91,.42);color:var(--green);border-radius:999px;
  padding:.4rem 1rem;font-family:var(--font-display);font-weight:800;font-size:.68rem;
  letter-spacing:.15em;text-transform:uppercase;
}
.hud-say{
  font-family:var(--font-display);font-weight:800;color:#fff;
  font-size:clamp(1.25rem,2.5vw,1.85rem);line-height:1.5;letter-spacing:-.028em;margin:1.15rem 0 0;    max-width: 880px;
}
.hud-say mark{
  background:transparent;color:var(--green);position:relative;padding:0 .12em;
}
.hud-say mark::after{
  content:"";position:absolute;left:0;right:0;bottom:.02em;height:.5em;z-index:-1;
  background:rgba(157,206,91,.22);border-radius:4px 9px 5px 8px;transform:skewX(-3deg) scaleX(0);
  transform-origin:left center;transition:transform .7s cubic-bezier(.2,.8,.2,1) .2s;
}
.hud-say.drawn mark::after{transform:skewX(-3deg) scaleX(1);}
.hud-note{color: rgba(255, 255, 255, .62);
    font-size: 17px;
    line-height: 26px;
    margin: 1.1rem 0 0;
    max-width: 780px;
    letter-spacing: 0.2px;}
.hud-cta{display:flex;flex-direction:column;gap:.6rem;align-items:stretch;min-width:230px;}
.hud-cta .btn-green{font-size:.82rem;padding:1.05rem 1.6rem;}
.hud-cta .side{font-size:.78rem;color:rgba(255,255,255,.55);text-align:center;}
.hud-cta .side a{color:#fff;font-weight:700;}
.hud-cta .side a:hover{color:var(--green);}

@media (max-width:991px){
  .hud{grid-template-columns:1fr;gap:1.75rem;padding:1.75rem;}
  .hud-cta{min-width:0;}
}
@media (prefers-reduced-motion:reduce){
  .hud-say mark::after{transition:none;transform:skewX(-3deg) scaleX(1);}
}

.rs-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: .5rem;
    background: rgba(157, 206, 91, .16);
    border: 1px solid rgba(157, 206, 91, .4);
    color: var(--green);
    border-radius: 999px;
    padding: .35rem .95rem;
    font-family: var(--font-display);
    font-weight: 800;
    font-size: .67rem;
    letter-spacing: .15em;
    text-transform: uppercase;
    margin-top: 1.1rem;
}




/* ---------- tools grid ---------- */
.tool-section {
  padding: 120px 0;
}
.tool-card{display:block;background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.6rem;height:100%;transition:all .28s cubic-bezier(.2,.8,.2,1);}
.tool-card:hover{border-color:var(--teal);box-shadow:var(--shadow-lg);transform:translateY(-6px);}
.tool-card .ti{    width: 68px;
    height: 68px;
    border-radius: 13px;
    background: var(--teal-soft);
    color: var(--teal);
    display: grid;
    place-items: center;
    font-size: 44px;
    margin-bottom: 1.05rem;
    transition: all .28s ease;}
.tool-card .ti.alt{background:var(--green-soft);color:var(--green-dark);}
.tool-card:hover .ti{background:var(--teal);color:#fff;transform:rotate(-6deg);}
.tool-card:hover .ti.alt{background:var(--green);color:var(--navy-900);}
.tool-card .tn{font-family: var(--font-display);
    font-weight: 800;
    color: var(--ink);
    display: block;
    line-height: 1.25;
    letter-spacing: -.02em;
    font-size: 22px;
    text-transform: capitalize;
    margin-bottom: .5rem;
}
.tool-card .td{font-size:.85rem;color:var(--body);display:block;margin-top:.5rem;line-height:1.7;}
.tool-card .tgo{display:inline-flex; width: 100%; align-items:center;gap:.4rem;letter-spacing:.1em;text-transform:uppercase;;margin-top:1rem;}
.tool-card .tgo i{transition:transform .2s ease;}
.tool-card:hover .tgo i{transform:translateX(4px);}


/* ---------- calculators ---------- */
.calculators-section{
      background: linear-gradient(rgb(244, 249, 252) 0%, rgb(234, 243, 248) 100%);
      padding: 120px 0;
}
.calc-frame-wrap {
    width: 100%;
    overflow: hidden;
}

/* Iframe */
#calcFrame {
    display: block;
    width: 100%;
    height: 960px;
    min-height: 700px;
    border: 0;
    overflow: auto;
}

/* Mobile */
@media (max-width: 767.98px) {
    #calcFrame {
        height: 1200px;
        min-height: 1000px;
    }
}
.calc-grid{display:grid;grid-template-columns:330px 1fr;gap:1.25rem;align-items:start;}
.calc-list{background:#fff;border:1px solid var(--line);border-radius:20px;padding:.6rem;box-shadow:var(--shadow);position:sticky;top:84px;}
.calc-btn{
  width:100%;text-align:left;background:transparent;border:0;border-radius:13px;
  padding:.85rem 1rem;display:grid;grid-template-columns:36px 1fr 16px;gap:.75rem;align-items:center;
  transition:all .22s ease;margin-bottom:.15rem;
}
.calc-btn:hover{background:var(--wash);}
.calc-btn .ci{width:36px;height:36px;border-radius:10px;background:var(--wash);color:var(--teal);display:grid;place-items:center;font-size:.85rem;transition:all .22s ease;}
.calc-btn .t{font-family:var(--font-display);font-weight:700;font-size:.87rem;color:var(--ink);line-height:1.3;display:block;}
.calc-btn .chev{color:var(--line);font-size:.75rem;transition:all .22s ease;}
.calc-btn:hover .chev{color:var(--teal);transform:translateX(3px);}
.calc-btn.on{background:var(--navy-900);}
.calc-btn.on .t{color:#fff;}
.calc-btn.on .ci{background:rgba(157,206,91,.22);color:var(--green);}
.calc-btn.on .chev{color:var(--green);}

.calc-panel{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;box-shadow:var(--shadow);}
.calc-h{background:linear-gradient(120deg,var(--navy-900),var(--navy-700));padding:1.25rem 1.6rem;display:flex;align-items:center;gap:.9rem;flex-wrap:wrap;}
.calc-h .hi{width:42px;height:42px;border-radius:12px;background:rgba(157,206,91,.2);color:var(--green);display:grid;place-items:center;font-size:1rem;flex:0 0 auto;}
.calc-h .t{font-family:var(--font-display);font-weight:800;font-size:1.08rem;color:#fff;display:block;line-height:1.25;letter-spacing:-.02em;}
.calc-h .d{font-size:.78rem;color:rgba(255,255,255,.6);display:block;margin-top:.15rem;}
.calc-h .out{margin-left:auto;display:inline-flex;align-items:center;gap:.45rem;font-family:var(--font-display);font-weight:700;font-size:.72rem;letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.8);border:1px solid rgba(255,255,255,.3);border-radius:8px;padding:.5rem .85rem;transition:all .2s ease;}
.calc-h .out:hover{background:#fff;color:var(--navy-900);border-color:#fff;}
.calc-frame{position:relative;background:#fff;}
.calc-frame iframe{width:100%;border:0;display:block;overflow:hidden;transition:height .35s cubic-bezier(.2,.8,.2,1);}
.calc-load{position:absolute;inset:0;display:grid;place-items:center;background:#fff;z-index:3;transition:opacity .3s ease;}
.calc-load.gone{opacity:0;pointer-events:none;}
.calc-load .sp{width:34px;height:34px;border-radius:50%;border:3px solid var(--line);border-top-color:var(--teal);animation:spin 1s linear infinite;}
@keyframes spin{to{transform:rotate(360deg);}}
.calc-note{border-top:1px solid var(--line-soft);padding:.95rem 1.6rem;font-size:.76rem;color:var(--muted);line-height:1.65;}


.printableforms-section {
  padding: 120px 0px;
}

.form-card{
  display:grid;grid-template-columns:46px 1fr auto;gap:.95rem;align-items:center;
  background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.05rem 1.2rem;height:100%;
  transition:all .24s cubic-bezier(.2,.8,.2,1);
}
.form-card:hover{border-color:var(--teal);box-shadow:var(--shadow);transform:translateY(-4px);}
.form-card .fi{width:46px;height:46px;border-radius:12px;background:#FDECEC;color:#C0392B;display:grid;place-items:center;font-size:1.1rem;}
.form-card .n{font-family:var(--font-display);font-weight:700;font-size:.9rem;color:var(--ink);display:block;line-height:1.35;}
.form-card .d{font-size:.75rem;color:var(--muted);display:block;margin-top:.15rem;}
.form-card .dl{width:36px;height:36px;border-radius:10px;background:var(--wash);color:var(--navy-700);display:grid;place-items:center;font-size:.85rem;transition:all .2s ease;}
.form-card:hover .dl{background:var(--teal);color:#fff;}


/* ---------- how to get a loan ---------- */

.how-loan-section {
  padding: 120px 0 0;
}


.how-get-loan {
  position: sticky;
  top: 120px;
}

.step{display:grid;grid-template-columns:74px 1fr;gap:1.35rem;padding:1.6rem 0;border-top:1px solid var(--line);}
.step:last-child{border-bottom:1px solid var(--line);}
.step .sn{font-family:var(--font-display);font-weight:900;font-size:2.4rem;line-height:1;letter-spacing:-.05em;color:transparent;-webkit-text-stroke:1.5px var(--teal);}
.step:nth-child(3) .sn{-webkit-text-stroke-color:var(--green-dark);}
.step:nth-child(4) .sn{-webkit-text-stroke-color:var(--navy-700);}
.step h3{font-size:1.08rem;margin-bottom:.45rem;}
.step p{font-size:.92rem;line-height:1.8;margin:0 0 .7rem;}
.step p:last-child{margin-bottom:0;}
.step .tagline{display:inline-block;background:var(--wash);color:var(--navy-700);border-radius:999px;padding:.2rem .7rem;font-size:.67rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;margin-bottom:.55rem;}

/* ---------- checklist ---------- */
.ck-card{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;box-shadow:var(--shadow);height:100%;}
.ck-h{background:var(--wash);padding:1.15rem 1.5rem;display:flex;gap:.85rem;align-items:center;border-bottom:1px solid var(--line-soft);}
.ck-h .ci{width:40px;height:40px;border-radius:11px;background:var(--teal);color:#fff;display:grid;place-items:center;font-size:.95rem;flex:0 0 auto;}
.ck-h.alt .ci{background:var(--green);color:var(--navy-900);}
.ck-h .t{font-family:var(--font-display);font-weight:800;font-size:.98rem;color:var(--ink);display:block;line-height:1.25;}
.ck-h .d{font-size:.76rem;color:var(--muted);}
.ck-h .cnt{margin-left:auto;font-family:var(--font-display);font-weight:800;font-size:1rem;color:var(--green-dark);}
.ck-list{padding:.35rem 1.5rem 1.25rem;}
.ck-item{display:flex;gap:.85rem;align-items:flex-start;padding:.75rem 0;border-bottom:1px solid var(--line-soft);cursor:pointer;transition:padding-left .2s ease;}
.ck-item:last-child{border-bottom:0;}
.ck-item:hover{padding-left:.3rem;}
.ck-box{width:21px;height:21px;border-radius:6px;border:2px solid var(--line);flex:0 0 auto;margin-top:.1rem;display:grid;place-items:center;color:transparent;font-size:.68rem;transition:all .22s ease;}
.ck-item.done .ck-box{background:var(--green);border-color:var(--green);color:var(--navy-900);}
.ck-item .n{font-size:.88rem;line-height:1.6;color:var(--ink);display:block;transition:color .22s ease;}
.ck-item.done .n{color:var(--muted);text-decoration:line-through;}
.ck-item .d{font-size:.76rem;color:var(--muted);display:block;margin-top:.1rem;}

/* checklist-section */
.checklist-section {
    background: linear-gradient(125deg, var(--navy-900) 0%, #0A3A6B 55%, var(--navy-700) 100%);
    padding: 120px 0;
}
/* ---------- checklist extras ---------- */
.ck-extra{background:var(--wash);margin:0 1.5rem 1.35rem;border-radius:14px;padding:1.1rem 1.25rem;}
.ck-extra.id{background:var(--green-soft);}
.ck-extra .xh{display:flex;align-items:center;gap:.5rem;font-family:var(--font-display);font-weight:800;font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--navy-700);margin-bottom:.75rem;}
.ck-extra .xh i{color:var(--teal);}
.ck-extra.id .xh i{color:var(--green-dark);}
.ck-extra ul{list-style:none;padding:0;margin:0;display:grid;gap:.5rem;}
.ck-extra li{font-size:.83rem;line-height:1.65;color:var(--body);padding-left:.9rem;position:relative;}
.ck-extra li::before{content:"";position:absolute;left:0;top:.6em;width:5px;height:5px;border-radius:50%;background:var(--teal);}
.ck-extra.id li::before{background:var(--green-dark);}
.ck-extra b{color:var(--ink);font-weight:700;}


.basics-purchase-section {
  padding: 120px 0;
}

/* ---------- who does what ---------- */
.who-card{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;height:100%;transition:all .28s cubic-bezier(.2,.8,.2,1);}
.who-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-5px);border-color:transparent;}
.who-card .wh{background:var(--wash);padding:1.5rem;display:flex;gap:.95rem;align-items:center;border-bottom:1px solid var(--line-soft);}
.who-card.mid .wh{background:linear-gradient(120deg,var(--navy-900),var(--navy-700));}
.who-card .wi{width:46px;height:46px;border-radius:13px;background:var(--teal);color:#fff;display:grid;place-items:center;font-size:1.05rem;flex:0 0 auto;}
.who-card.mid .wi{background:var(--green);color:var(--navy-900);}
.who-card .wt{font-size:.8rem;color:var(--muted);line-height:1.4;}
.who-card.mid .wt{color:rgba(255,255,255,.6);}
.who-card .wt b{font-family:var(--font-display);font-weight:900;font-size:1.15rem;color:var(--ink);display:block;letter-spacing:-.03em;text-transform:uppercase;}
.who-card.mid .wt b{color:#fff;}
.wlist{list-style:none;padding:1.35rem 1.5rem;margin:0;display:grid;gap:.9rem;}
.wlist li{display:flex;gap:.65rem;font-size:16px;line-height:1.7;}
.wlist li i{color: var(--green-dark);
    margin-top: .35rem;
    font-size: 20px;
    flex: 0 0 auto;
    background-color: #f3f8fb;
    width: 29px;
    height: 29px;
    border-radius: 100px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;}


    /* layout */
.pv-grid{display:grid;grid-template-columns:250px 1fr;gap:3rem;align-items:start;}

/* contents rail */
.pv-toc{position:sticky;top:88px;}
.toc-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.25rem;box-shadow:var(--shadow);}
.toc-h{display:flex;align-items:center;gap:.5rem;font-family:var(--font-display);font-weight:800;font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:.85rem;}
.toc-h i{color:var(--teal);}
.toc-prog{height:4px;border-radius:99px;background:var(--line-soft);overflow:hidden;margin-bottom:1rem;}
.toc-prog i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--teal),var(--green));border-radius:99px;transition:width .15s linear;}
#tocNav{display:grid;gap:.05rem;max-height:56vh;overflow-y:auto;scrollbar-width:thin;}
#tocNav a{font-size:.82rem;color:var(--body);padding:.42rem .6rem;border-radius:8px;border-left:2px solid transparent;transition:all .2s ease;line-height:1.4;}
#tocNav a:hover{background:var(--wash);color:var(--teal);}
#tocNav a.on{background:var(--teal-soft);color:var(--teal-dark);border-left-color:var(--teal);font-weight:700;}

/* body */
.pv-sec{position:relative;padding:0 0 2.5rem;scroll-margin-top:96px;}
.pv-sec + .pv-sec{border-top:1px solid var(--line);padding-top:2.5rem;}
.pv-n{font-family:var(--font-display);font-weight:900;font-size:24px;letter-spacing:.12em;color:transparent;-webkit-text-stroke:1px var(--teal);display:block;margin-bottom:.6rem;}
.pv-body h2{    font-size: clamp(1.35rem, 2.4vw, 1.75rem);
    letter-spacing: 0;
    margin-bottom: 1rem;
    font-family: var(--font-display-2);}
.pv-body h3{font-size: 20px;
    margin: 1.75rem 0 .65rem;
    color: var(--navy-700);}

.pv-body h4{font-size: 16px;
    margin: 1.75rem 0 .65rem;
    color: var(--black); font-weight: 900;}
.pv-body p{    font-size: 16px;
    line-height: 24px;
    margin: 0 0 1rem;
    max-width:100%;}
.pv-body p:last-child{margin-bottom:0;}

.pv-list{list-style:none;padding:0;margin:0 0 1.15rem;display:grid;gap:.55rem;}
.pv-list li{position:relative;padding-left:1.5rem;font-size:16px;line-height:1.8;}
.pv-list li::before{content:"";position:absolute;left:0;top:.72em;width:6px;height:6px;border-radius:50%;background:var(--teal);}
.pv-list.two{grid-template-columns:1fr 1fr;}
.pv-list.check li::before{    content: "\f26e";
    font-family: "bootstrap-icons";
    width: auto;
    height: auto;
    background: none;
    color: var(--green-dark);
    font-size: 18px;
    top: -4px;}

/* definitions */
.defs{margin:0;}
.def{display:grid;grid-template-columns:180px 1fr;gap:1.5rem;padding:1.05rem 0;border-bottom:1px solid var(--line-soft);}
.def:last-child{border-bottom:0;}
.def dt{font-family:var(--font-display);font-weight:800;font-size:.95rem;color:var(--ink);letter-spacing:-.02em;}
.def dd{    margin: 0;
    font-size: 16px;
    line-height: 26px;
    color: var(--body);}

/* callouts */
.pv-note{display:flex;gap:.95rem;background:var(--teal-soft);border-radius:14px;padding:1.15rem 1.35rem;margin:1.25rem 0 0;}
.pv-note .ni{width:38px;height:38px;border-radius:11px;background:#fff;color:var(--teal);display:grid;place-items:center;font-size:.95rem;flex:0 0 auto;}
.pv-note p{font-size:.88rem;line-height:1.8;margin:0;}
.pv-note strong{color:var(--ink);}
.pv-note.green{    background: #f2f8e854;}
.pv-note.green .ni{color:var(--green-dark);}
.pv-note.amber{background:#FFF4E5;}
.pv-note.amber .ni{color:#C77700;}

/* cookie types */
.ck-types{display:grid;grid-template-columns:repeat(3,1fr);gap:.75rem;margin-top:1.25rem;}
.ckt{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.15rem;transition:all .24s cubic-bezier(.2,.8,.2,1);}
.ckt:hover{border-color:var(--teal);box-shadow:var(--shadow);transform:translateY(-3px);}
.ckt .cki{width:36px;height:36px;border-radius:10px;background:var(--wash);color:var(--teal);display:grid;place-items:center;font-size:.85rem;margin-bottom:.75rem;}
.ckt .ckn{font-family:var(--font-display);font-weight:800;font-size:.88rem;color:var(--ink);display:block;margin-bottom:.35rem;}
.ckt p{font-size:.82rem;line-height:1.7;margin:0;}

/* choices */
.choices{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin-top:1.25rem;}
.choice{display:grid;grid-template-columns:42px 1fr;gap:.9rem;background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.15rem;transition:all .24s cubic-bezier(.2,.8,.2,1);}
.choice:hover{border-color:var(--teal);box-shadow:var(--shadow);transform:translateY(-3px);}
.choice .chi{width:42px;height:42px;border-radius:12px;background:var(--teal-soft);color:var(--teal);display:grid;place-items:center;font-size:.95rem;}
.choice:hover .chi{background:var(--teal);color:#fff;}
.choice .chn{font-family: var(--font-display);
    font-weight: 800;
    font-size: 15px;
    color: var(--ink);
    display: block;
    margin-bottom: .25rem;}
.choice p{    font-size: 15px;
    line-height: 20px;
    margin: 0;}

/* contact block */
.pv-contact{background:linear-gradient(150deg,var(--navy-900),var(--navy-700));border-radius:18px;padding:1.6rem;margin-top:1.25rem;}
.pc-row{display:flex;gap:.85rem;align-items:flex-start;padding:.7rem 0;border-bottom:1px solid rgba(255,255,255,.12);font-size:.9rem;color:rgba(255,255,255,.8);line-height:1.65;}
.pc-row:last-child{border-bottom:0;}
.pc-row .pi{width:34px;height:34px;border-radius:10px;background:rgba(157,206,91,.18);color:var(--green);display:grid;place-items:center;font-size:.82rem;flex:0 0 auto;}
.pc-row a{color:#fff;font-weight:600;}
.pc-row a:hover{color:var(--green);}

.privacy-section {
  padding: 60px 0;
}

.privacy-section .container {
  max-width: 1200px;
}

.mcc-badge{background:#fff;border-radius:22px;padding:1.75rem;box-shadow:0 30px 70px rgba(0,0,0,.34);text-align:center;position:relative;overflow:hidden;}
.mcc-badge::before{content:"";position:absolute;left:0;right:0;top:0;height:5px;background:linear-gradient(90deg,var(--teal),var(--green));}
.mb-h{font-family:var(--font-display);font-weight:800;font-size:.66rem;letter-spacing:.15em;text-transform:uppercase;color:var(--muted);display:block;}
.mb-k{    font-family: var(--font-display);
    font-weight: 900;
    font-size: 34px;
    color: var(--green-dark);
    display: block;
    line-height: 1;
    letter-spacing: -.055em;
    margin: .6rem 0 .25rem;}
.mb-l{font-family:var(--font-display);font-weight:700;font-size:.9rem;color:var(--ink);display:block;}
.mb-p{font-size: 14px;
    line-height: 21px;
    color: var(--body);
    margin: 10px 0 0;}
.mb-go{display:inline-flex;align-items:center;gap:.45rem;font-family:var(--font-display);font-weight:800;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--teal);margin-top:1rem;}
.mb-go i{transition:transform .22s ease;}
.mb-go:hover i{transform:translateY(3px);}

.mcc-badge a {     padding: 5px 20px; font-size: 12px;}


/* MCC calculator */
.mcc-facts{display:grid;gap:.6rem;margin-top:1.5rem;}
.mcc-facts span{display: flex;
    gap: .6rem;
    align-items: center;
    font-size: 16px;
    color: var(--ink);
}
.mcc-facts i{color: var(--green-dark);
    margin-top: 2px;
    font-size: 20px;
    flex: 0 0 auto;
    background-color: #f3f8fb;
    width: 29px;
    height: 29px;
    border-radius: 100px;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 800;}
.mcc-calc{background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:var(--shadow-lg);}
.mc-h{background:var(--wash);padding:1.25rem 1.6rem;display:flex;gap:.9rem;align-items:center;border-bottom:1px solid var(--line-soft);}
.mc-h .mi{width:44px;height:44px;border-radius:12px;background:var(--green);color:var(--navy-900);display:grid;place-items:center;font-size:1.05rem;flex:0 0 auto;}
.mc-h .t{font-family:var(--font-display);font-weight:800;font-size:1.02rem;color:var(--ink);display:block;line-height:1.25;}
.mc-h .d{font-size:.79rem;color:var(--muted);display:block;margin-top:.1rem;}
.mc-b{padding:1.6rem;}
.mc-row{margin-bottom:1.35rem;}
.mc-row .top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:.5rem;gap:1rem;}
.mc-row label{font-size:.83rem;font-weight:600;color:var(--navy-700);}
.mc-row .v{font-family:var(--font-display);font-weight:800;font-size:1.02rem;color:var(--ink);letter-spacing:-.02em;}
.mc-row input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:99px;background:var(--line);}
.mc-row input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--green);border:4px solid #fff;box-shadow:0 2px 9px rgba(157,206,91,.6);cursor:pointer;}
.mc-row input[type=range]::-moz-range-thumb{width:15px;height:15px;border-radius:50%;background:var(--green);border:4px solid #fff;cursor:pointer;}
.mc-out{background:linear-gradient(150deg,var(--navy-900),var(--navy-700));border-radius:16px;padding:1.5rem;text-align:center;}
.mc-out .l{font-size:.66rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:rgba(255,255,255,.55);display:block;}
.mc-out .k{font-family:var(--font-display);font-weight:900;font-size:2.8rem;color:var(--green);display:block;line-height:1;letter-spacing:-.05em;margin:.55rem 0 .4rem;}
.mc-out .s{font-size:.82rem;color:rgba(255,255,255,.65);display:block;line-height:1.6;}


.ask-about-section {
  padding: 120px 0;
}

.ask-about-section .lead-p {
  max-width: 600px;
}


/* cl-rail-section */

.cl-rail-section {
  padding: 120px 0;
      background: linear-gradient(180deg, #F4F9FC 0%, #EAF3F8 100%);
}

/* layout */
.cl-grid{display:grid;grid-template-columns:250px 1fr;gap:2.5rem;align-items:start; margin-top: 30px;}
.cl-rail{position:sticky;top:150px;}
.rail-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.25rem;box-shadow:var(--shadow);}
.rb-h{display:flex;align-items:center;gap:.5rem;font-family:var(--font-display);font-weight:800;font-size:.66rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:.85rem;}
.rb-h i{color:var(--teal);}
#railNav{display:grid;gap:.1rem;}
#railNav a{display:flex;justify-content:space-between;gap:.6rem;align-items:center;font-size:.82rem;color:var(--body);padding:.5rem .6rem;border-radius:8px;border-left:2px solid transparent;transition:all .2s ease;line-height:1.35;}
#railNav a:hover{background:var(--wash);color:var(--teal);}
#railNav a.on{background:var(--teal-soft);color:var(--teal-dark);border-left-color:var(--teal);font-weight:700;}
#railNav a.done .rc{background:var(--green);color:var(--navy-900);border-color:var(--green);}
.rc{font-family:var(--font-display);font-weight:800;font-size:.68rem;color:var(--muted);background:var(--wash);border:1px solid var(--line);border-radius:6px;padding:.12rem .4rem;flex:0 0 auto;transition:all .25s ease;}
.rail-help{border-top:1px solid var(--line-soft);margin-top:1rem;padding-top:1rem;}
.rh-t{font-family:var(--font-display);font-weight:800;font-size:.86rem;color:var(--ink);display:block;}
.rail-help p{font-size:.79rem;color:var(--muted);line-height:1.6;margin:.3rem 0 .5rem;}
.rh-a{font-family:var(--font-display);font-weight:800;font-size:1rem;color:var(--teal);letter-spacing:-.02em;}
.rh-a:hover{color:var(--teal-dark);}

/* phases */
.phase{background:#fff;border:1px solid var(--line);border-radius:20px;padding:1.75rem;margin-bottom:1rem;scroll-margin-top:150px;transition:border-color .3s ease,box-shadow .3s ease;}
.phase.complete{border-color:var(--green);box-shadow:0 0 0 4px var(--green-soft);}
.ph-head{display:grid;grid-template-columns:60px 1fr auto;gap:1.15rem;align-items:start;padding-bottom:1.25rem;border-bottom:1px solid var(--line-soft);}
.ph-n{font-family:var(--font-display);font-weight:900;font-size:1.9rem;line-height:1;letter-spacing:-.05em;color:transparent;-webkit-text-stroke:1.5px var(--line);transition:all .3s ease;}
.phase.complete .ph-n{-webkit-text-stroke-color:var(--green);}
.ph-head h2{font-size:1.25rem;letter-spacing:-.03em;margin-bottom:.35rem;}
.ph-head p{font-size:.88rem;line-height:1.7;margin:0;color:var(--body);}
.ph-count{font-family:var(--font-display);font-weight:800;font-size:.8rem;color:var(--muted);background:var(--wash);border-radius:999px;padding:.35rem .75rem;white-space:nowrap;transition:all .3s ease;}
.phase.complete .ph-count{background:var(--green);color:var(--navy-900);}

.ph-list{padding:.35rem 0;}
.ci{display:grid;grid-template-columns:24px 1fr;gap:.9rem;align-items:start;padding:.8rem 0;border-bottom:1px solid var(--line-soft);cursor:pointer;transition:padding-left .2s ease;}
.ci:last-child{border-bottom:0;}
.ci:hover{padding-left:.3rem;}
.ci input{position:absolute;opacity:0;width:0;height:0;}
.cb{width:24px;height:24px;border-radius:7px;border:2px solid var(--line);display:grid;place-items:center;color:transparent;font-size:.72rem;transition:all .22s ease;margin-top:.05rem;}
.ci input:checked ~ .cb{background:var(--green);border-color:var(--green);color:var(--navy-900);}
.ci input:focus-visible ~ .cb{box-shadow:0 0 0 4px var(--green-soft);}
.ct{font-size:.93rem;line-height:1.6;color:var(--ink);transition:color .22s ease;}
.ci input:checked ~ .ct{color:var(--muted);text-decoration:line-through;}

.ph-tip{display:flex;gap:.85rem;background:var(--teal-soft);border-radius:14px;padding:1rem 1.2rem;margin-top:1.15rem;}
.ph-tip.green{background:var(--green-soft);}
.ph-tip.amber{background:#FFF4E5;}
.ph-tip i{color:var(--teal);font-size:.95rem;margin-top:.2rem;flex:0 0 auto;}
.ph-tip.green i{color:var(--green-dark);}
.ph-tip.amber i{color:#C77700;}
.ph-tip p{font-size:.86rem;line-height:1.75;margin:0;}
.ph-tip strong{color:var(--ink);}
.ph-tip a{color:var(--teal-dark);font-weight:700;text-decoration:underline;}

/* finished */
.cl-done{background:var(--wash);border-radius:20px;padding:2.25rem;text-align:center;margin-top:1rem;}
.cd-ic{width:64px;height:64px;border-radius:50%;background:var(--green);color:var(--navy-900);display:grid;place-items:center;font-size:1.6rem;margin:0 auto 1rem;}
.cl-done h3{font-size:1.25rem;margin-bottom:.5rem;}
.cl-done p{font-size:.93rem;line-height:1.8;margin:0 auto;max-width:46ch;}

/* related */
.nxt{display:block;background:#fff;border:1px solid var(--line);border-radius:16px;padding:1.5rem;height:100%;transition:all .26s cubic-bezier(.2,.8,.2,1);}
.nxt:hover{border-color:var(--teal);box-shadow:var(--shadow);transform:translateY(-5px);}
.nxt .ni{width:44px;height:44px;border-radius:12px;background:var(--wash);color:var(--teal);display:grid;place-items:center;font-size:1rem;margin-bottom:.95rem;transition:all .26s ease;}
.nxt:hover .ni{background:var(--teal);color:#fff;}
.nxt .nn{font-family:var(--font-display);font-weight:800;font-size:.95rem;color:var(--ink);display:block;}
.nxt .nd{font-size:.8rem;color:var(--muted);display:block;margin-top:.25rem;line-height:1.5;}


/* sticky progress */
.cl-sticky{position:sticky;top:100px;z-index:1020;}
.cs-in{    display: flex;
    align-items: center;
    gap: 1.1rem;
    background: #fff;
    border-bottom: 1px solid var(--line);
    box-shadow: 0 2px 14px rgba(4, 42, 86, .06);
    margin-bottom: 20px;
    padding: 20px 20px;
    border-radius: 20px;}
.cs-ring{position:relative;width:52px;height:52px;flex:0 0 auto;}
.cs-ring svg{width:100%;height:100%;transform:rotate(-90deg);}
.cs-bg{fill:none;stroke:var(--line-soft);stroke-width:9;}
.cs-fg{fill:none;stroke:var(--green);stroke-width:9;stroke-linecap:round;stroke-dasharray:264;stroke-dashoffset:264;transition:stroke-dashoffset .5s cubic-bezier(.2,.8,.2,1);}
.cs-pct{position:absolute;inset:0;display:grid;place-items:center;font-family:var(--font-display);font-weight:900;font-size:.72rem;color:var(--ink);}
.cs-txt{flex:1;min-width:0;}
.cs-n{font-family:var(--font-display);font-weight:800;font-size:.98rem;color:var(--ink);display:block;line-height:1.2;letter-spacing:-.02em;}
.cs-l{font-size:.8rem;color:var(--muted);display:block;margin-top:.15rem;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;}
.cs-act{display:flex;gap:.4rem;flex:0 0 auto;}
.cs-btn{background:#fff;border:1.5px solid var(--line);border-radius:8px;padding:.5rem .85rem;font-family:var(--font-display);font-weight:700;font-size:.74rem;color:var(--body);transition:all .2s ease;display:inline-flex;align-items:center;gap:.4rem;}
.cs-btn:hover{border-color:var(--teal);color:var(--teal);}

.cl-meta{display:flex;flex-wrap:wrap;gap:1.35rem;margin-top:1.4rem;font-size:.82rem;color: var(--body);}
.cl-meta span{display:inline-flex;align-items:center;gap:.45rem;}
.cl-meta i{color:var(--green);}


/* why us */
.why-us-section {
 padding: 120px 0;
}
.why-us-section .why{background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.6rem;height:100%;transition:all .26s cubic-bezier(.2,.8,.2,1);}
.why-us-section .why:hover{border-color:var(--teal);box-shadow:var(--shadow);transform:translateY(-5px);}
.why-us-section .why .wi{width: 56px;
    height: 56px;
    border-radius: 6px;
    background: var(--teal-soft);
    color: var(--teal);
    display: grid;
    place-items: center;
    font-size: 25px;
    margin-bottom: 1rem;
    transition: all .26s ease;}
.why-us-section .wi.alt{background:var(--green-soft);color:var(--green-dark);}
.why-us-section .why:hover .wi{background:var(--teal);color:#fff;transform:rotate(-6deg);}
.why-us-section .why:hover .wi.alt{background:var(--green);color:var(--navy-900);}
.why-us-section .wn{    font-family: var(--font-display);
    font-weight: 800;
    font-size: 20px;
    color: var(--ink);
    display: block;
    line-height: 1.3;}
.why-us-section p{font-size:16px;line-height: 24px;margin:.55rem 0 0;}


.sig-card{background:#fff;border-radius:20px;padding:1.75rem;position:relative;}
.sig-card::before{content:"";position:absolute;left:0;top:1.75rem;bottom:1.75rem;width:4px;border-radius:0 4px 4px 0;background:linear-gradient(180deg,var(--teal),var(--green));}
.sig-card .si{width:44px;height:44px;border-radius:12px;background:#fff;color:var(--teal);display:grid;place-items:center;font-size:20px;margin-bottom:1rem;}
.sig-card p{font-size:.95rem;line-height:1.85;font-style:italic;color:var(--ink);margin:0 0 1.1rem;}
.sig-card .sn{font-family:var(--font-display);font-weight:800;font-size:.95rem;color:var(--ink);display:block;}
.sig-card .sr{font-size:.78rem;color:var(--muted);display:block;margin-top:.15rem;}


/* link cards */
.lk{display:block;position:relative;background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.6rem;height:100%;overflow:hidden;transition:all .28s cubic-bezier(.2,.8,.2,1);}
.lk::after{content:"";position:absolute;right:-60px;top:-80px;width:200px;height:200px;border-radius:50%;background:var(--teal-soft);transition:transform .45s cubic-bezier(.2,.8,.2,1);}
.lk.alt::after{background:var(--green-soft);}
.lk:hover{border-color:var(--teal);box-shadow:var(--shadow-lg);transform:translateY(-6px);}
.lk:hover::after{transform:scale(1.35);}
.lk > *{position:relative;z-index:2;}
.lk-cat{font-family:var(--font-display);font-weight:800;font-size:.64rem;letter-spacing:.16em;text-transform:uppercase;color:var(--teal);display:block;}
.lk.alt .lk-cat{color:var(--green-dark);}
.lk-i{width:46px;height:46px;border-radius:13px;background:var(--teal);color:#fff;display:grid;place-items:center;font-size:1.05rem;margin:.9rem 0 1rem;transition:all .3s ease;}
.lk.alt .lk-i{background:var(--green);color:var(--navy-900);}
.lk:hover .lk-i{transform:rotate(-8deg) scale(1.06);}
.lk-t{font-family:var(--font-display);font-weight:800;font-size:1.08rem;color:var(--ink);display:block;line-height:1.25;letter-spacing:-.025em;}
.lk-d{font-size:16px;line-height:1.75;color:var(--body);display:block;margin-top:.5rem;}
.lk-u{display:inline-flex;align-items:center;gap:.4rem;font-size:.76rem;font-weight:700;color:var(--muted);margin-top:1rem;}
.lk:hover .lk-u{color:var(--teal);}

.link-section {
  padding: 120px 0;
}


/* neighbourhoods */
.hood{background:#fff;border:1px solid var(--line);border-radius:18px;padding:1.6rem;height:100%;position:relative;overflow:hidden;transition:all .26s cubic-bezier(.2,.8,.2,1);}
.hood::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--teal);transform:scaleY(0);transform-origin:top;transition:transform .3s ease;}
.hood:hover{border-color:var(--teal);box-shadow:var(--shadow);transform:translateY(-5px);}
.hood:hover::before{transform:scaleY(1);}
.hood .hn{font-family:var(--font-display);font-weight:800;font-size:20px;color:var(--ink);display:block;letter-spacing:-.025em;}
.hood .hd{font-size:.72rem;color:var(--teal);letter-spacing:.1em;text-transform:uppercase;display:block;margin-top:.25rem;}
.hood p{font-size:16px;line-height:1.8;margin:.7rem 0 0;}
.hood.alt{background:var(--wash);border-color:transparent;}
.hood.alt::before{background:var(--green);}
.hood.alt .hd{color:var(--green-dark);}

.office-section {
  padding-bottom: 120px;
}

/* blog page */

  .blog-list {
    padding-bottom: 120px;
  }

  .blog-hero {
 position: relative;
padding: 60px 0 80px;
  }

  .blog-cate {
 position: relative;
    top: -22px;
    display: flex;
    justify-content: center;
  }
  /* ---- category pills ---- */
  .mh-filters {
       display: flex;
    flex-wrap: wrap;
    gap: 10px;
    justify-content: center;
    margin: 0 0;
    max-width: fit-content;
    background-color: #fff;
    padding: 20px 30px;
    border-radius: 50px;
   
}

  .mh-filter-pill{
    font-size:0.82rem;font-weight:500;color:var(--navy-900);
    background:#fff;border:1px solid var(--navy-900);
    padding:9px 18px;border-radius:999px;cursor:pointer;
    transition:background .2s ease, color .2s ease, border-color .2s ease;
    letter-spacing: 0.5px;
  }
  .mh-filter-pill.is-active, .mh-filter-pill:hover{
    background:var(--navy-900);color:#fff;border-color:var(--navy-900);
  }

/* ---- featured post ---- */
  .mh-featured{
    display:grid;grid-template-columns:1.1fr 1fr;gap:36px;align-items:center;
    background:#fff;border-radius:26px;padding:20px;margin-bottom:60px;
    box-shadow:0 20px 46px -28px rgba(11,35,63,.35);
  }
  .mh-featured img{border-radius:18px;height:340px;object-fit:cover;width:100%;}
  .mh-featured .tag{display:inline-flex;align-items:center;gap:6px;background:var(--cream-2);color:var(--navy-900);font-size:0.72rem;font-weight:700;padding:6px 12px;border-radius:999px;margin-bottom:14px;}
  .mh-featured h2{font-family:var(--font-display);font-weight:700;font-size:1.6rem;color:var(--navy-900);line-height:1.25;margin-bottom:12px;}
  .mh-featured p{color:var(--muted);font-size:0.92rem;line-height:1.6;margin-bottom:18px;}
  .mh-post-meta{display:flex;align-items:center;gap:10px;font-size:0.8rem;color:var(--muted);margin-bottom:20px;}
  .mh-post-meta img{width:30px;height:30px;border-radius:50%;object-fit:cover;}
  .mh-post-meta .sep{width:4px;height:4px;border-radius:50%;background:#C9C0AC;}
  .mh-read-link{display:inline-flex;align-items:center;gap:8px;font-weight:700;font-size:0.86rem;color:var(--navy-900);}
  .mh-read-link i{transition:transform .2s var(--ease);}
  .mh-featured:hover .mh-read-link i{transform:translateX(4px);}

  /* ---- post grid ---- */
  .mh-post-card{
    background:#fff;border-radius:20px;overflow:hidden;
    box-shadow:0 14px 32px -22px rgba(11,35,63,.3);
    transition:transform .3s var(--ease), box-shadow .3s var(--ease);
    height:100%;
  }
  .mh-post-card:hover{transform:translateY(-6px);box-shadow:0 22px 44px -20px rgba(11,35,63,.4);}
  .mh-post-card .img-wrap{height:180px;overflow:hidden;position:relative;}
  .mh-post-card .img-wrap img{width:100%;height:100%;object-fit:cover;transition:transform .5s var(--ease);}
  .mh-post-card:hover .img-wrap img{transform:scale(1.07);}
  .mh-post-card .img-wrap .tag{position:absolute;top:12px;left:12px;background:rgba(11,35,63,.85);color:#fff;font-size:0.68rem;font-weight:700;padding:5px 11px;border-radius:999px;}
  .mh-post-card .body{padding:20px;}
  .mh-post-card h3{font-family:var(--font-display);font-weight:700;font-size:1.05rem;color:var(--navy-900);line-height:1.35;margin-bottom:10px;}
  .mh-post-card p{color:var(--muted);font-size:0.85rem;line-height:1.55;margin-bottom:14px;}
  .mh-post-card .meta{display:flex;align-items:center;gap:8px;font-size:0.75rem;color:var(--muted);}
  .mh-post-card .meta .sep{width:3px;height:3px;border-radius:50%;background:#C9C0AC;}

  .mh-fade-item{transition:opacity .3s ease, transform .3s ease;}
  .mh-fade-item.mh-hidden{display:none;}

  /* ---- pagination ---- */
  .mh-pagination{display:flex;justify-content:center;gap:8px;margin:50px 0 10px;}
  .mh-page-btn{
    width:38px;height:38px;border-radius:10px;
    display:flex;align-items:center;justify-content:center;
    font-size:0.85rem;font-weight:700;color:var(--navy-900);
    background:#fff;border:1px solid var(--teal);
    transition:background .2s ease,color .2s ease;
  }
  .mh-page-btn.is-active, .mh-page-btn:hover{background:var(--teal);color:#fff;}
  .mh-page-btn.wide{width:auto;padding:0 16px;}

  /* ---- sidebar widgets ---- */
  .sidebar-widget{
    position: sticky; top: 120px;
  }
  .mh-widget{    background: #fff;
    border-radius: 18px;
    padding: 22px 22px 22px;
    box-shadow: 0 12px 28px -20px rgba(11, 35, 63, .3);
    margin-bottom: 22px;
    border: solid 1px #379eaa12; }
  .mh-widget h4{font-family:var(--font-display);font-weight:700;font-size:0.98rem;color:var(--navy-900);margin-bottom:16px;display:flex;align-items:center;gap:8px;}
  .mh-widget h4 i{color:var(--gold-500);}

  .mh-rate-row{display:flex;justify-content:space-between;align-items:center;padding:10px 0;border-bottom:1px solid #F0EADB;}
  .mh-rate-row:last-of-type{border-bottom:none;}
  .mh-rate-row .name{font-size:0.85rem;color:var(--ink);font-weight:600;}
  .mh-rate-row .val{font-family:var(--font-display);font-weight:700;font-size:1.05rem;color:var(--navy-900);}
  .mh-rate-note{font-size:0.7rem;color:var(--muted);margin-top:10px;display:flex;align-items:center;gap:6px;}
  .mh-rate-note .dot{width:6px;height:6px;border-radius:50%;background:#6FD68B;}

  .mh-popular-item{display:flex;gap:12px;align-items:center;padding:9px 0;}
  .mh-popular-item img{width:52px;height:52px;border-radius:10px;object-fit:cover;flex-shrink:0;}
  .mh-popular-item .t{font-size:0.82rem;font-weight:600;color:var(--ink);line-height:1.35;}
  .mh-popular-item .d{font-size:0.72rem;color:var(--muted);margin-top:2px;}

  .mh-newsletter-widget{background:linear-gradient(135deg,var(--navy-900),var(--navy-700));color:#fff;}
  .mh-newsletter-widget h4{color:#fff;}
  .mh-newsletter-widget p{font-size:0.82rem;color:rgba(255,255,255,.75);margin-bottom:14px;}
  .mh-newsletter-widget input{width:100%;padding:10px 14px;border-radius:10px;border:none;margin-bottom:10px;font-family:inherit;font-size:0.85rem;}
  .mh-newsletter-widget button{width:100%;border:none;}

  .mh-officer-widget{display:flex;flex-direction:column;gap:12px;}
  .mh-officer-widget .row-top{display:flex;align-items:center;gap:12px;}
  .mh-officer-widget img{width:48px;height:48px;border-radius:50%;object-fit:cover;}
  .mh-officer-widget .name{font-weight:700;font-size:0.9rem;}
  .mh-officer-widget .role{font-size:0.72rem;color:var(--muted);}
  .mh-officer-widget .call-btn{background:var(--navy-900);color:#fff;font-weight:700;font-size:0.82rem;padding:11px 0;border-radius:10px;text-align:center;display:flex;align-items:center;justify-content:center;gap:6px;}

  .mh-anim{opacity:0;transform:translateY(16px);}
  .mh-anim.in{opacity:1;transform:translateY(0);transition:opacity .55s var(--ease), transform .55s var(--ease);}

  /* ---- chat widget (shared) ---- */
  .mh-chat-launcher{position:fixed;right:24px;bottom:24px;z-index:80;display:flex;flex-direction:column;align-items:flex-end;gap:14px;}
  .mh-chat-bubble{position:relative;width:58px;height:58px;border-radius:50%;background:linear-gradient(135deg,var(--gold-500),var(--gold-300));border:none;display:flex;align-items:center;justify-content:center;box-shadow:0 14px 30px -10px rgba(11,35,63,.5);font-size:1.25rem;color:var(--navy-900);}
  .mh-chat-panel{width:300px;background:#fff;border-radius:18px 18px 4px 18px;box-shadow:0 26px 52px -18px rgba(11,35,63,.4);overflow:hidden;}
  .mh-chat-head{background:linear-gradient(135deg,var(--navy-900),var(--navy-700));color:#fff;padding:13px 15px;display:flex;align-items:center;gap:10px;}
  .mh-chat-avatar{width:32px;height:32px;border-radius:50%;background:var(--gold-500);color:var(--navy-900);font-weight:700;font-size:0.76rem;display:flex;align-items:center;justify-content:center;}
  .mh-chat-name{font-weight:600;font-size:0.85rem;}
  .mh-chat-status{font-size:0.68rem;color:#CFE0F0;display:flex;align-items:center;gap:5px;}
  .mh-chat-status .dot{width:6px;height:6px;border-radius:50%;background:#6FD68B;}
  .mh-chat-close{margin-left:auto;background:none;border:none;color:#CFE0F0;font-size:1.05rem;}
  .mh-chat-messages{padding:15px;background:var(--cream);}
  .mh-msg-in{background:#fff;border:1px solid #E7E0D0;padding:10px 12px;border-radius:12px;font-size:0.82rem;}

    .mh-article-meta{display:flex;align-items:end;flex-wrap:wrap;gap:14px;margin-bottom:20px; margin-top: 20px;}
  .mh-article-meta .author{display:flex;align-items:center;gap:10px;   
}
  .mh-article-meta img{width:40px;height:40px;border-radius:50%;object-fit:cover;}
  .mh-article-meta .name{font-weight:700;font-size:0.88rem;}
  .mh-article-meta .role{font-size:0.72rem;color:var(--muted);}
  .mh-article-meta .info{font-size:0.8rem;color:var(--muted);display:flex;align-items:center;gap:10px;}
  .mh-article-meta .sep{width:4px;height:4px;border-radius:50%;background:#C9C0AC;}

  .mh-share-row{display:flex;align-items:center;gap:10px;margin-bottom:30px;}
  .mh-share-btn{
    width:38px;height:38px;border-radius:50%;background:#fff;
    border:1px solid #E4DCC8;display:flex;align-items:center;justify-content:center;
    color:var(--navy-900);font-size:0.95rem;transition:background .2s ease,color .2s ease;
    position:relative;
  }
  .mh-share-btn:hover{background:var(--navy-900);color:#fff;}
 .mh-copy-tip{
    position:absolute;bottom:120%;left:50%;transform:translateX(-50%);
    background:var(--navy-900);color:#fff;font-size:0.7rem;font-weight:600;
    padding:5px 10px;border-radius:6px;white-space:nowrap;
    opacity:0;pointer-events:none;transition:opacity .2s ease;
  }
  .mh-copy-tip.show{opacity:1;}

.mh-hero-img {
    border-radius: 22px;
    overflow: hidden;
    margin-bottom: 48px;
    box-shadow: 0 30px 60px -30px rgba(11, 35, 63, .4);
    max-height: 420px;
        position: relative;
    top: -60px;
}

.mh-hero-img img {
    width: 100%;
    height: 420px;
    object-fit: cover;
}

/* ---- article body ---- */
  .mh-article-body{font-size:1.02rem;line-height:1.85;color:var(--ink);}
  .mh-article-body p{margin-bottom:24px;color:#333F4C;}
  .mh-article-body h2{font-family:var(--font-display);font-weight:800;font-size:1.5rem;color:var(--navy-900);margin:44px 0 18px;scroll-margin-top:110px;}
  .mh-article-body h3{font-family:var(--font-display);font-weight:700;font-size:1.15rem;color:var(--navy-900);margin:32px 0 14px;scroll-margin-top:110px;}
  .mh-article-body ul{margin-bottom:24px;padding-left:22px;}
  .mh-article-body li{margin-bottom:8px;color:#333F4C;}

  .mh-pullquote{
    font-family:var(--font-serif);font-style:italic;font-size:1.35rem;
    color:var(--navy-900);border-left:4px solid var(--navy);
    padding:6px 0 6px 24px;margin:36px 0;line-height:1.5;
  }
    .mh-pullquote{
    font-family:var(--font-serif);font-style:italic;font-size:1.35rem;
    color:var(--navy-900);border-left:4px solid var(--navy-900);
    padding:6px 0 6px 24px;margin:36px 0;line-height:1.5;
  }
.mh-mid-cta {
    background: linear-gradient(135deg, var(--navy-900), var(--navy-700));
    border-radius: 20px;
    padding: 30px;
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 20px;
    flex-wrap: wrap;
    margin: 40px 0;
    position: relative;
    overflow: hidden;
}
.mh-mid-cta .txt {
       position: relative;
    z-index: 1;
    display: flex;
    flex-direction: column;
}
.mh-mid-cta .txt strong {
  font-size: 26px;
}


.mh-mid-cta span {
  letter-spacing: 0.2px;
}

.mh-mid-cta a {
    position: relative;
    z-index: 1;
    flex-shrink: 0;
    background: var(--teal);
    color: #fff;
    font-weight: 700;
    font-size: 0.86rem;
    padding: 12px 22px;
    border-radius: 999px;
    display: inline-flex;
    align-items: center;
    gap: 8px;
}

  .mh-tags-row{display:flex;flex-wrap:wrap;gap:8px;margin:50px 0 40px;}
  .mh-tags-row span{background:var(--teal);color:#fff;font-size:0.78rem;font-weight:600;padding:7px 14px;border-radius:999px;}

  .mh-related {
    padding-bottom: 120px;
  }

  /* ---- related articles ---- */
  .mh-related h3{font-family:var(--font-display);font-weight:700;font-size:1.4rem;color:var(--navy-900);margin-bottom:28px;}
  .mh-post-card{background:var(--white);border-radius:18px;overflow:hidden;box-shadow:0 14px 30px -22px rgba(11,35,63,.3);transition:transform .3s var(--ease);height:100%;}
  .mh-post-card:hover{transform:translateY(-6px);}
  .mh-post-card .img-wrap{height:160px;overflow:hidden;}
  .mh-post-card img{width:100%;height:100%;object-fit:cover;}
  .mh-post-card .body{padding:18px;}
  .mh-post-card h4{font-family:var(--font-display);font-weight:700;font-size:0.98rem;color:var(--navy-900);margin-bottom:8px;line-height:1.35;}
  .mh-post-card .meta{font-size:0.75rem;color:var(--muted);}

/* reponisve */


@media (max-width:991px){
  .cl-grid{grid-template-columns:1fr;gap:1.5rem;}
  .cl-rail{position:static;}
  #railNav{grid-template-columns:auto;display:grid;}
  .tip-grid{grid-template-columns:1fr;}
  .tips{padding:1.75rem;}
  .cl-sticky{top:56px;}
  .cs-l{display:none;}
  .why-us-section .why .wi {
   height: auto;
        padding: 6px 15px;
        border-radius: 6px;
        font-size: 30px;
        width: max-content;  }

   .mh-featured {
        grid-template-columns: 1fr;
    }

    .page-hero-content h1 {
      line-height: normal;
    }

}
@media (max-width:575px){
  .ph-head{grid-template-columns:1fr auto;gap:.6rem;}
  .ph-n{display:none;}
  .cs-act .cs-btn span{display:none;}
  .phase{padding:1.25rem;}
}
@media print{
  .cl-rail,.cl-sticky,.topbar,.nav-wrap,.foot,.office,.go,.tips,.cl-btns,.flag{display:none !important;}
  .cl-grid{grid-template-columns:1fr;}
  .cl-hero{background:none;padding:1rem 0;}
  .cl-hero h1,.cl-hero .sub,.cl-hero .cl-meta{color:#000;}
  .phase{break-inside:avoid;border:1px solid #ccc;box-shadow:none;}
}
@media (prefers-reduced-motion:reduce){ .cs-fg{transition:none;} }
@media (max-width: 1300px) {
.page-hero-action  {
  position: relative;
  justify-content: start;
}
}
@media (max-width: 1164px) {
   .pf {
    display: grid;
    grid-template-columns: auto;
    gap: 1.25rem;
    align-items: start;
}
.pf-photo {
    display: none;
}

.payment-calculator {
    display: grid;
    grid-template-columns: auto;
    gap: 1.25rem;
    align-items: start;
}
.firm{ 
display: grid;
    grid-template-columns: auto;
    gap: 1.25rem;
    align-items: start;
}
.tiles {
    display: grid;
     grid-template-columns: auto;
   
}

.calldisc {
    display: none;
}

.contact-panels .info {
    display: grid;
    grid-template-columns: auto;
    gap: 1.25rem;
    align-items: start;
}
.contact-form-section .row {
   
    gap: 1.25rem;
}

.office-float {
   display: none;
}

.cta-box {
  padding: 1.5rem;
}

.calc-grid {
      display: grid;
    grid-template-columns: auto;
}

.calc-list {
  position: relative;
  top: 0;
}

.pv-grid {
      grid-template-columns: auto;
}

.pv-toc {
  position: relative;
  top: 0;
}

.def {
  grid-template-columns: auto;
}

.pv-list.two {
  grid-template-columns: auto;
}

.ck-types {
   grid-template-columns: auto;
}

.hero-action {
  flex-wrap: wrap;
  margin-bottom: 30px;
}

.mcc-calc {
  margin-top: 30px;
}

}


@media (max-width: 767px) {
   .teams-list-row {
        --bs-gutter-x: 1.5rem;
   }

.phone-card {
  position: relative;
  width:230px;
  margin: 0 auto;
}
.phone-card .pi {
  min-width: 60px;
  min-height: 60px;
  
}

}