/* Coast 2 Coast Lenders — editorial finance system.
   Warm cream base + near-black ink + brand gold, with deep navy secondary.
   Display serif (Fraunces) paired with a clean grotesque (Inter).
   BRAND SWAP: change --brand / --brand-2 / --brand-deep / --navy below to the
   client's exact hex values and the whole site follows. */
:root {
  --ink: #14161c;
  --ink-2: #1b1e26;
  --ink-3: #262a34;
  --cream: #f4efe7;
  --paper: #faf6ef;
  --brand: #c9962f;        /* primary brand gold */
  --brand-2: #e6bc63;      /* lighter gold — text/icons on dark */
  --brand-deep: #8a661a;   /* deep gold for text on cream (AA contrast) */
  --navy: #0a2a5e;         /* deep navy secondary */
  --navy-2: #143f88;
  --text-dark: #1a1d24;
  --muted-dark: #595d66;
  --text-light: #efe9df;
  --muted-light: #a8adb8;
  --line: #e0d8cb;
  --r: 16px;
  --r-sm: 10px;
  --shadow-sm: 0 2px 12px rgba(20, 22, 28, 0.06);
  --shadow: 0 20px 50px rgba(20, 22, 28, 0.12);
  --shadow-dark: 0 30px 70px rgba(0, 0, 0, 0.45);
  --serif: "Fraunces", Georgia, serif;
  --sans: "Inter", system-ui, -apple-system, "Segoe UI", sans-serif;
  --grad: linear-gradient(100deg, #e0b455, var(--brand));
  --grad-navy: linear-gradient(100deg, var(--navy-2), var(--navy));
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }

body {
  font-family: var(--sans);
  color: var(--text-dark);
  background: var(--cream);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 600;
  line-height: 1.08;
  letter-spacing: -0.01em;
  color: var(--ink);
}

h1 { font-size: clamp(40px, 5.6vw, 66px); font-weight: 500; letter-spacing: -0.02em; }
h2 { font-size: clamp(30px, 4vw, 46px); }
h3 { font-size: 21px; }

p { color: var(--muted-dark); margin-bottom: 1rem; }
p:last-child { margin-bottom: 0; }

.wrap { max-width: 1180px; margin: 0 auto; padding: 0 26px; }
.center { text-align: center; }
.narrow { max-width: 760px; }
.mx-auto { margin-inline: auto; }

.grad-text {
  font-style: italic;
  background: var(--grad);
  -webkit-background-clip: text;
  background-clip: text;
  -webkit-text-fill-color: transparent;
  color: transparent;
}

section { padding: 84px 0; }

.eyebrow {
  display: inline-block;
  font-family: var(--sans);
  font-size: 12.5px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.22em;
  color: var(--brand-deep);
  margin-bottom: 18px;
}

.sec-head { max-width: 700px; margin-bottom: 48px; }
.sec-head.center { margin-inline: auto; }
.sec-head p { font-size: 17px; }

.alt { background: var(--paper); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }

/* ===== reveal ===== */
.rv { opacity: 0; transform: translateY(26px); transition: opacity 0.7s cubic-bezier(0.22, 0.61, 0.36, 1), transform 0.7s cubic-bezier(0.22, 0.61, 0.36, 1); }
.rv.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .rv { opacity: 1; transform: none; transition: none; } }

/* ===== buttons ===== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 9px;
  padding: 14px 26px;
  border-radius: var(--r-sm);
  font-family: var(--sans);
  font-weight: 700;
  font-size: 15px;
  border: none;
  cursor: pointer;
  transition: transform 0.14s cubic-bezier(0.34, 1.56, 0.64, 1), box-shadow 0.2s, background 0.2s, color 0.2s, border-color 0.2s;
  white-space: nowrap;
}

.btn:active { transform: scale(0.97); }
.btn-primary { background: var(--grad); color: #14161c; box-shadow: 0 10px 26px rgba(201, 150, 47, 0.34); }
.btn-primary:hover { box-shadow: 0 14px 34px rgba(201, 150, 47, 0.5); transform: translateY(-2px); }
.btn-ghost { border: 1px solid var(--line); color: var(--ink); background: var(--paper); }
.btn-ghost:hover { border-color: var(--brand); color: var(--brand-deep); }
.btn-lg { padding: 17px 34px; font-size: 16px; }
.btn-sm { padding: 10px 18px; font-size: 14px; }
.btn-block { display: flex; width: 100%; margin-top: 10px; }

/* on dark surfaces */
.hero .btn-ghost, .cta-band .btn-ghost {
  background: rgba(255, 255, 255, 0.08);
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.25);
}
.hero .btn-ghost:hover, .cta-band .btn-ghost:hover { background: rgba(255, 255, 255, 0.16); border-color: rgba(255, 255, 255, 0.45); color: #fff; }

/* ===== icons ===== */
.ico { flex: none; vertical-align: -0.18em; }

.skip { position: absolute; left: -9999px; top: 0; background: var(--ink); color: #fff; padding: 12px 20px; z-index: 200; border-radius: 0 0 8px 0; }
.skip:focus { left: 0; }

/* ===== utility top bar ===== */
.topbar { background: var(--ink); color: var(--muted-light); font-size: 12.5px; border-bottom: 1px solid var(--ink-3); }
.topbar-in { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 9px 26px; flex-wrap: wrap; }
.topbar-l, .topbar-r { display: flex; align-items: center; gap: 22px; flex-wrap: wrap; }
.topbar span, .topbar a { display: inline-flex; align-items: center; gap: 7px; white-space: nowrap; }
.topbar .ico { color: var(--brand-2); }
.topbar a { color: #fff; font-weight: 600; transition: color 0.16s; }
.topbar a:hover { color: var(--brand-2); }

/* ===== header ===== */
.hdr {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(250, 246, 239, 0.94);
  backdrop-filter: saturate(170%) blur(16px);
  -webkit-backdrop-filter: saturate(170%) blur(16px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow 0.25s, background 0.25s;
}

.hdr::after { content: ""; position: absolute; left: 0; right: 0; bottom: -1px; height: 2px; background: var(--grad); opacity: 0; transition: opacity 0.25s; }
.hdr.stuck { background: rgba(250, 246, 239, 0.99); box-shadow: 0 8px 28px rgba(20, 22, 28, 0.1); }
.hdr.stuck::after { opacity: 1; }
.hdr .wrap, .topbar .wrap { max-width: 1360px; }
.hdr-in { display: flex; align-items: center; gap: 22px; height: 106px; transition: height 0.25s; }
.hdr.stuck .hdr-in { height: 82px; }

.logo { display: inline-flex; align-items: center; gap: 12px; flex: none; }
.logo img { height: 86px; width: auto; transition: height 0.25s; }
.hdr.stuck .logo img { height: 64px; }

/* logo on dark surfaces (footer, mobile drawer): the mark has charcoal
   lettering, so it sits on a warm light plate to stay legible */
.logo-plate { display: inline-flex; align-items: center; background: #fbf8f2; border-radius: 14px; padding: 12px 18px; box-shadow: 0 10px 26px rgba(0, 0, 0, 0.3); }
/* size by width + height:auto so a narrow column scales it, never squashes it */
.logo-plate img { width: 128px; height: auto; max-width: 100%; }
.ftr .logo-plate { display: inline-flex; max-width: 100%; margin-bottom: 22px; }
.drawer-head .logo-plate { padding: 9px 14px; }
.drawer-head .logo-plate img { width: 96px; }
.logo-txt { font-family: var(--serif); font-weight: 600; font-size: 19px; color: var(--ink); line-height: 1.05; letter-spacing: -0.01em; }
.logo-txt small { display: block; font-family: var(--sans); font-size: 10px; font-weight: 700; letter-spacing: 0.24em; text-transform: uppercase; color: var(--brand-2); margin-top: 3px; }

.logo-mark {
  width: 46px; height: 46px;
  border-radius: 12px;
  background: var(--grad);
  display: grid; place-items: center;
  color: #14161c;
  font-family: var(--sans);
  font-weight: 800;
  font-size: 15px;
  letter-spacing: -0.02em;
  flex: none;
  box-shadow: 0 8px 20px rgba(201, 150, 47, 0.32);
}

/* ===== nav ===== */
.nav { display: flex; align-items: center; gap: 4px; margin-left: auto; font-weight: 600; font-size: 14.5px; }
.nav > a, .nav-item > a {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--text-dark);
  padding: 10px 13px;
  border-radius: 9px;
  position: relative;
  transition: color 0.18s, background 0.18s;
  white-space: nowrap;
}
.nav > a .ico, .nav-item > a .ico { color: var(--brand-deep); transition: transform 0.2s; }
.nav > a:hover, .nav-item > a:hover, .nav > a.on, .nav-item > a.on { background: rgba(201, 150, 47, 0.1); color: var(--ink); }
.nav > a.on::after, .nav-item > a.on::after {
  content: ""; position: absolute; left: 13px; right: 13px; bottom: 4px; height: 2px; background: var(--brand); border-radius: 2px;
}

/* mega menu */
.nav-item { position: relative; }
.mega {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translateX(-50%) translateY(-8px);
  width: min(880px, 92vw);
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 18px;
  box-shadow: 0 30px 70px rgba(20, 22, 28, 0.22);
  opacity: 0;
  visibility: hidden;
  transition: opacity 0.2s, transform 0.2s, visibility 0.2s;
  z-index: 70;
  overflow: hidden;
}

.mega::before { content: ""; position: absolute; top: -14px; left: 0; right: 0; height: 14px; }
.nav-item:hover .mega, .nav-item:focus-within .mega { opacity: 1; visibility: visible; transform: translateX(-50%) translateY(0); }
.nav-item:hover > a .ico { transform: rotate(180deg); }

.mega-in { display: grid; grid-template-columns: 1fr 270px; }
.mega-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 4px; padding: 18px; }
.mega-grid a { display: flex; gap: 13px; padding: 13px; border-radius: 12px; transition: background 0.16s; align-items: flex-start; }
.mega-grid a:hover { background: rgba(201, 150, 47, 0.11); }
.mega-grid b { display: block; font-size: 14.5px; color: var(--ink); font-weight: 700; }
.mega-grid small { display: block; font-size: 12.5px; color: var(--muted-dark); line-height: 1.45; font-weight: 500; margin-top: 2px; }

.mega-ico {
  width: 38px; height: 38px; flex: none;
  border-radius: 10px;
  display: grid; place-items: center;
  background: var(--ink);
  color: var(--brand-2);
  transition: background 0.16s;
}
.mega-grid a:hover .mega-ico { background: var(--navy); }

.mega-side { background: var(--cream); border-left: 1px solid var(--line); padding: 24px; }
.mega-side .eyebrow { margin-bottom: 10px; }
.mega-side p { font-size: 13.5px; margin-bottom: 16px; }
.mega-call { display: inline-flex; align-items: center; gap: 8px; margin-top: 14px; font-weight: 800; font-size: 15px; color: var(--brand-deep); }
.mega-call:hover { text-decoration: underline; }

/* header CTA */
.hdr-cta { display: flex; align-items: center; gap: 12px; flex: none; }
.hdr-phone { display: inline-flex; align-items: center; gap: 10px; }
.hdr-phone-ico {
  width: 40px; height: 40px; flex: none;
  border-radius: 11px;
  display: grid; place-items: center;
  border: 1px solid var(--line);
  background: var(--paper);
  color: var(--brand-deep);
  transition: background 0.18s, color 0.18s, border-color 0.18s;
}
.hdr-phone:hover .hdr-phone-ico { background: var(--brand); color: #14161c; border-color: var(--brand); }
.hdr-phone-txt { line-height: 1.15; }
.hdr-phone-txt small { display: block; font-size: 10.5px; font-weight: 600; color: var(--muted-dark); letter-spacing: 0.06em; text-transform: uppercase; }
.hdr-phone-txt b { font-size: 15.5px; font-weight: 800; color: var(--ink); white-space: nowrap; }

/* burger */
.burger { display: none; width: 46px; height: 46px; border: 1px solid var(--line); border-radius: 11px; background: var(--paper); cursor: pointer; flex-direction: column; align-items: center; justify-content: center; gap: 5px; }
.burger span { width: 20px; height: 2px; background: var(--ink); border-radius: 2px; transition: 0.25s; }
body.menu-open .burger span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
body.menu-open .burger span:nth-child(2) { opacity: 0; }
body.menu-open .burger span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }

/* mobile drawer */
.scrim { position: fixed; inset: 0; background: rgba(10, 12, 16, 0.55); z-index: 90; opacity: 0; transition: opacity 0.25s; }
body.menu-open .scrim { opacity: 1; }

.drawer {
  position: fixed;
  inset: 0 0 0 auto;
  width: min(340px, 86vw);
  background: var(--ink);
  z-index: 95;
  transform: translateX(100%);
  transition: transform 0.3s cubic-bezier(0.22, 0.61, 0.36, 1);
  padding: 26px 22px;
  overflow-y: auto;
  border-left: 1px solid var(--ink-3);
  box-shadow: -20px 0 60px rgba(0, 0, 0, 0.5);
  display: flex;
  flex-direction: column;
}

body.menu-open .drawer { transform: none; }
.drawer-head { display: flex; align-items: center; gap: 12px; padding-bottom: 22px; border-bottom: 1px solid var(--ink-3); margin-bottom: 14px; }
.drawer-nav { display: flex; flex-direction: column; }
.drawer-nav a { display: flex; align-items: center; justify-content: space-between; padding: 15px 12px; border-radius: 10px; color: #d7dae2; font-weight: 600; font-size: 16.5px; transition: background 0.16s, color 0.16s; }
.drawer-nav a .ico { color: var(--brand-2); opacity: 0; transition: opacity 0.16s, transform 0.16s; }
.drawer-nav a:hover, .drawer-nav a.on { background: var(--ink-2); color: #fff; }
.drawer-nav a:hover .ico, .drawer-nav a.on .ico { opacity: 1; transform: translateX(3px); }
.drawer-foot { margin-top: auto; padding-top: 22px; border-top: 1px solid var(--ink-3); }
.drawer-call { display: inline-flex; align-items: center; gap: 9px; margin-top: 16px; color: var(--brand-2); font-weight: 800; font-size: 17px; }
.drawer-foot p { color: var(--muted-light); font-size: 12.5px; margin-top: 8px; }

/* ===== hero (dark) ===== */
.hero {
  position: relative;
  background:
    radial-gradient(1100px 600px at 78% -8%, #202531 0%, transparent 60%),
    linear-gradient(170deg, var(--ink-2) 0%, var(--ink) 100%);
  color: var(--text-light);
  overflow: hidden;
  padding: 88px 0 78px;
}

.hero::before, .hero::after {
  content: "";
  position: absolute;
  border-radius: 50%;
  filter: blur(80px);
  opacity: 0.3;
  pointer-events: none;
}

.hero::before { width: 520px; height: 520px; background: radial-gradient(circle, var(--brand), transparent 70%); top: -180px; right: -110px; animation: float1 16s ease-in-out infinite; }
.hero::after { width: 440px; height: 440px; background: radial-gradient(circle, var(--navy), transparent 70%); bottom: -200px; left: -120px; animation: float2 20s ease-in-out infinite; }

@keyframes float1 { 50% { transform: translate(-40px, 40px) scale(1.1); } }
@keyframes float2 { 50% { transform: translate(30px, -30px) scale(1.05); } }

.hero .wrap { position: relative; z-index: 2; }
.hero h1 { color: #fff; margin-bottom: 22px; max-width: 17ch; }
.hero .eyebrow { color: var(--brand-2); }
.hero-sub { color: #c7cbd4; font-size: 19px; max-width: 54ch; }
.hero-btns { display: flex; gap: 15px; margin-top: 34px; flex-wrap: wrap; }

.pill {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  padding: 9px 18px;
  border-radius: 999px;
  background: rgba(230, 188, 99, 0.13);
  color: var(--brand-2);
  font-weight: 600;
  font-size: 13px;
  margin-bottom: 26px;
  border: 1px solid rgba(230, 188, 99, 0.32);
}

.pill b { color: #fff; font-weight: 700; }
.dot { width: 8px; height: 8px; border-radius: 50%; background: var(--brand-2); box-shadow: 0 0 0 4px rgba(230, 188, 99, 0.2); animation: pulse 2.2s ease-in-out infinite; }
@keyframes pulse { 50% { box-shadow: 0 0 0 8px rgba(230, 188, 99, 0.04); } }

.trust-row { display: flex; flex-wrap: wrap; gap: 28px; margin-top: 38px; padding-top: 26px; border-top: 1px solid var(--ink-3); font-size: 14px; color: var(--muted-light); }
.trust-row b { color: #fff; font-weight: 700; }

/* ===== stats ===== */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; margin-top: 48px; }
.stat { padding: 26px 24px; border: 1px solid var(--ink-3); border-radius: var(--r); background: rgba(255, 255, 255, 0.035); }
.stat .n { font-family: var(--serif); font-size: clamp(30px, 3.4vw, 42px); font-weight: 600; color: #fff; line-height: 1; margin-bottom: 8px; letter-spacing: -0.01em; }
.stat .l { font-size: 13.5px; color: var(--muted-light); }

/* ===== homepage hero: full-bleed photo ===== */
.hero-home {
  background: var(--ink);
  padding: 112px 0 64px;
  min-height: min(94vh, 940px);
  display: flex;
  align-items: center;
  isolation: isolate;
}
.hero-home::before, .hero-home::after { display: none; }
.hero-home .wrap { width: 100%; }

.hero-photo {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: 72% 60%;
  z-index: 0;
  transform: scale(1.06);
  animation: heroSettle 14s cubic-bezier(0.22, 0.61, 0.36, 1) forwards;
}
@keyframes heroSettle { to { transform: scale(1); } }

/* Darken the left (behind the copy) and the bottom (behind the stats);
   leave the lit house on the right glowing. */
.hero-shade {
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    linear-gradient(90deg, rgba(13, 15, 20, 0.95) 0%, rgba(13, 15, 20, 0.86) 32%, rgba(13, 15, 20, 0.45) 60%, rgba(13, 15, 20, 0.18) 100%),
    linear-gradient(0deg, rgba(13, 15, 20, 0.96) 0%, rgba(13, 15, 20, 0.55) 26%, rgba(13, 15, 20, 0) 50%),
    linear-gradient(180deg, rgba(13, 15, 20, 0.55) 0%, rgba(13, 15, 20, 0) 18%);
}

.hero-copy { max-width: 660px; }
.hero-home h1 { font-size: clamp(42px, 5.6vw, 72px); max-width: 15ch; text-shadow: 0 2px 28px rgba(0, 0, 0, 0.35); }
.hero-home .grad-text { filter: drop-shadow(0 2px 18px rgba(0, 0, 0, 0.35)); }
.hero-home .hero-sub { color: #d9dce3; font-size: 19px; }
.hero-home .btn-ghost { backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px); }

.hero-call { display: inline-flex; align-items: center; gap: 13px; margin-top: 26px; color: #fff; }
.hero-call-ico {
  width: 46px; height: 46px; flex: none;
  border-radius: 50%;
  display: grid; place-items: center;
  border: 1px solid rgba(230, 188, 99, 0.45);
  background: rgba(230, 188, 99, 0.12);
  color: var(--brand-2);
  transition: background 0.18s, color 0.18s;
}
.hero-call:hover .hero-call-ico { background: var(--brand); color: #14161c; }
.hero-call small { display: block; font-size: 12px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--muted-light); }
.hero-call b { display: block; font-size: 21px; font-weight: 800; letter-spacing: 0.01em; color: #fff; }

.hero-home .trust-row { border-top-color: rgba(255, 255, 255, 0.14); margin-top: 44px; color: #c3c7d0; }
.hero-home .trust-row > div { display: inline-flex; align-items: center; gap: 8px; }
.hero-home .trust-row > div::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--brand-2); flex: none; }
.hero-home .stats { margin-top: 30px; }
.hero-home .stat {
  background: rgba(20, 22, 28, 0.5);
  border-color: rgba(255, 255, 255, 0.12);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-top: 2px solid var(--brand);
}
.hero-home .stat .n { color: #fff; }

@media (prefers-reduced-motion: reduce) { .hero-photo { animation: none; transform: none; } }

/* stats on light sections */
.alt .stat, section:not(.hero) .stat { border-color: var(--line); background: var(--paper); box-shadow: var(--shadow-sm); }
.alt .stat .n, section:not(.hero) .stat .n { color: var(--brand-deep); }
.alt .stat .l, section:not(.hero) .stat .l { color: var(--muted-dark); }

/* ===== cards ===== */
.grid { display: grid; gap: 20px; }
.g2 { grid-template-columns: repeat(2, 1fr); }
.g3 { grid-template-columns: repeat(3, 1fr); }
.g4 { grid-template-columns: repeat(4, 1fr); }

.card {
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: var(--r);
  background: var(--paper);
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s, box-shadow 0.25s, border-color 0.2s;
}

.alt .card { background: #fff; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: rgba(201, 150, 47, 0.28); }
.card p { font-size: 15.5px; }
.card h3 { margin-bottom: 10px; }

.card-ico {
  width: 50px; height: 50px;
  border-radius: 13px;
  display: grid; place-items: center;
  background: rgba(201, 150, 47, 0.09);
  color: var(--brand-deep);
  font-size: 21px;
  margin-bottom: 20px;
  border: 1px solid rgba(201, 150, 47, 0.16);
}

.prog { display: flex; flex-direction: column; }
.prog .tags { display: flex; gap: 8px; flex-wrap: wrap; margin-top: 18px; }
.tag { font-size: 12.5px; font-weight: 700; padding: 5px 12px; border-radius: 999px; border: 1px solid var(--line); background: var(--cream); color: var(--muted-dark); }
.prog .go { margin-top: 18px; font-size: 14.5px; font-weight: 700; color: var(--brand-deep); }
.prog:hover .go { text-decoration: underline; }

/* ===== steps ===== */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.step { padding: 30px; border: 1px solid var(--line); border-radius: var(--r); background: var(--paper); box-shadow: var(--shadow-sm); }
.step .n { font-family: var(--serif); font-size: 40px; font-weight: 600; color: var(--brand); line-height: 1; margin-bottom: 14px; }
.step h3 { font-size: 18px; margin-bottom: 8px; }
.step p { font-size: 15px; }

/* ===== rates table ===== */
table { width: 100%; border-collapse: collapse; min-width: 560px; }
th, td { padding: 17px 22px; text-align: left; font-size: 15px; border-bottom: 1px solid var(--line); }
th { font-size: 11.5px; text-transform: uppercase; letter-spacing: 0.16em; color: var(--muted-dark); font-weight: 800; background: var(--cream); }
tbody tr:last-child td { border-bottom: 0; }
tbody tr { transition: background 0.15s; }
tbody tr:hover { background: rgba(201, 150, 47, 0.045); }
.disclaim { font-size: 12.5px; color: var(--muted-dark); margin-top: 16px; line-height: 1.6; }

/* ===== testimonials ===== */
.quote { font-family: var(--serif); font-size: 18px; line-height: 1.45; color: var(--ink); margin-bottom: 20px; }
.stars { color: #d8a13a; letter-spacing: 0.18em; margin-bottom: 14px; font-size: 15px; }
.who { font-weight: 700; font-size: 15px; color: var(--ink); }
.who span { display: block; color: var(--muted-dark); font-weight: 500; font-size: 13.5px; }

/* ===== FAQ ===== */
.faq { border: 1px solid var(--line); border-radius: var(--r); background: var(--paper); margin-bottom: 12px; overflow: hidden; box-shadow: var(--shadow-sm); }
.faq summary { padding: 22px 26px; cursor: pointer; font-weight: 700; font-size: 16.5px; color: var(--ink); list-style: none; display: flex; justify-content: space-between; gap: 24px; align-items: center; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 26px; font-weight: 400; color: var(--brand); transition: transform 0.2s; line-height: 1; }
.faq[open] summary::after { transform: rotate(45deg); }
.faq p { padding: 0 26px 24px; font-size: 15.5px; }

/* ===== calculator ===== */
.calc-grid { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 36px; align-items: start; }
.calc-form { display: grid; gap: 26px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--r); padding: 34px; box-shadow: var(--shadow-sm); }
.calc-row { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; }
.calc-field { display: flex; flex-direction: column; gap: 13px; }
.calc-label { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; }
.calc-label label { font-weight: 700; font-size: 14.5px; color: var(--ink); }
.calc-label output { font-weight: 800; font-size: 15px; color: var(--brand-deep); }

input[type="range"] {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--brand), var(--brand-2)) 0 / var(--fill, 50%) 100% no-repeat, var(--line);
  outline: none;
  cursor: pointer;
}

input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--ink); border: 3px solid var(--brand); box-shadow: 0 3px 10px rgba(20, 22, 28, 0.28); cursor: grab; transition: transform 0.1s; }
input[type="range"]::-webkit-slider-thumb:active { transform: scale(1.15); cursor: grabbing; }
input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--ink); border: 3px solid var(--brand); box-shadow: 0 3px 10px rgba(20, 22, 28, 0.28); cursor: grab; }

.seg { display: grid; grid-auto-flow: column; gap: 6px; background: var(--cream); border: 1px solid var(--line); border-radius: var(--r-sm); padding: 5px; }
.seg button { border: none; background: transparent; padding: 11px 8px; border-radius: 7px; font-family: var(--sans); font-weight: 700; font-size: 14px; color: var(--muted-dark); cursor: pointer; transition: background 0.18s, color 0.18s; }
.seg button:hover { color: var(--ink); }
.seg button.active { background: var(--ink); color: #fff; box-shadow: var(--shadow-sm); }

.calc-result {
  background: radial-gradient(600px 300px at 70% -10%, #222735, transparent 60%), linear-gradient(170deg, var(--ink-2), var(--ink));
  color: var(--text-light);
  border-radius: var(--r);
  padding: 34px;
  box-shadow: var(--shadow);
  position: sticky;
  top: 104px;
  border: 1px solid var(--ink-3);
}

.calc-total { text-align: center; padding-bottom: 24px; }
.calc-total span { color: var(--muted-light); font-size: 13px; text-transform: uppercase; letter-spacing: 0.1em; font-weight: 600; }
.calc-total b { display: block; font-family: var(--serif); font-size: clamp(42px, 5vw, 54px); font-weight: 600; margin-top: 10px; color: #fff; letter-spacing: -0.01em; }
.calc-bar { display: flex; height: 12px; border-radius: 999px; overflow: hidden; background: rgba(255, 255, 255, 0.1); margin-bottom: 22px; }
.calc-bar span { height: 100%; transition: width 0.3s; }
.seg-pi { background: var(--brand); }
.seg-tax { background: var(--navy); }
.seg-ins { background: #7d8a9c; }
.seg-mi { background: #d8a13a; }

.calc-breakdown { list-style: none; margin-bottom: 24px; }
.calc-breakdown li { display: flex; justify-content: space-between; align-items: center; padding: 13px 0; border-bottom: 1px solid var(--ink-3); font-size: 15px; }
.calc-breakdown li:last-child { border-bottom: 0; }
.calc-breakdown li span { color: #c7cbd4; display: inline-flex; align-items: center; gap: 10px; }
.calc-breakdown b { color: #fff; font-family: var(--sans); font-weight: 700; }
.calc-loan span { color: #fff !important; font-weight: 700; }
.key { width: 10px; height: 10px; border-radius: 3px; display: inline-block; flex: none; }
.key-pi { background: var(--brand); }
.key-tax { background: var(--navy); }
.key-ins { background: #7d8a9c; }
.key-mi { background: #d8a13a; }
.calc-note { color: var(--muted-light); font-size: 12px; margin-top: 16px; line-height: 1.6; }

/* ===== panels & forms ===== */
.panel { background: var(--paper); border: 1px solid var(--line); border-radius: var(--r); padding: 34px; box-shadow: var(--shadow-sm); }
.panel h2 { font-size: 28px; margin-bottom: 14px; }

.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.form-grid .full { grid-column: 1 / -1; }
.form-grid label { display: block; font-size: 13.5px; font-weight: 700; color: var(--ink); margin-bottom: 7px; }

input[type="text"], input[type="email"], input[type="tel"], input[type="number"],
input[type="date"], input[type="month"], input[type="url"], select, textarea {
  width: 100%;
  padding: 13px 15px;
  border-radius: var(--r-sm);
  border: 1px solid var(--line);
  background: #fff;
  color: var(--text-dark);
  font-family: inherit;
  font-size: 15px;
  transition: border-color 0.16s, box-shadow 0.16s;
}

input:focus, select:focus, textarea:focus { outline: none; border-color: var(--brand); box-shadow: 0 0 0 3px rgba(201, 150, 47, 0.13); }
textarea { resize: vertical; min-height: 120px; }

.brk { display: flex; justify-content: space-between; gap: 18px; padding: 14px 0; border-bottom: 1px solid var(--line); font-size: 15px; }
.brk:last-of-type { border-bottom: 0; }
.brk span { color: var(--muted-dark); }
.brk b { color: var(--ink); }

.ok { padding: 16px 20px; border-radius: var(--r-sm); background: rgba(201, 150, 47, 0.07); border: 1px solid rgba(201, 150, 47, 0.28); color: var(--brand-deep); margin-bottom: 26px; font-size: 15px; }
.ok a { color: var(--brand-deep); text-decoration: underline; }
.err { padding: 16px 20px; border-radius: var(--r-sm); background: #fdf1ef; border: 1px solid #e7b4ab; color: #8e2a1c; margin-bottom: 26px; font-size: 15px; }

/* footer NMLS block (mirrors c2clenders.com) */
.ftr-nmls { margin-top: 22px; padding-top: 20px; border-top: 1px solid var(--ink-3); }
.ftr-nmls h4 { margin-bottom: 10px; }
.ftr-nmls p { color: #d5d8de; line-height: 1.7; margin-bottom: 6px; }
.ftr-nmls b { color: #fff; }
.ftr .ftr-nmls-link { color: var(--brand-2); margin-bottom: 16px; }
.ftr a.bbb { display: inline-block; margin: 0; color: var(--muted-light); font-size: 13.5px; }
.ftr a.bbb:hover { color: var(--brand-2); }
/* hidden until BBB actually returns the seal (see footer markup); kept in
   layout at 1px — display:none would stop some browsers fetching it */
.bbb img { position: absolute; width: 1px; height: 1px; opacity: 0; }
.bbb.has-seal img { position: static; width: 150px; height: auto; opacity: 1; border-radius: 6px; }
.bbb.has-seal span { display: none; }

/* ===== privacy policy ===== */
.policy { display: grid; grid-template-columns: 250px minmax(0, 1fr); gap: 52px; align-items: start; }
.policy-toc { position: sticky; top: 112px; display: flex; flex-direction: column; gap: 2px; padding: 22px; background: var(--paper); border: 1px solid var(--line); border-radius: var(--r); }
.policy-toc .eyebrow { margin-bottom: 10px; }
.policy-toc a { padding: 7px 10px; border-radius: 8px; font-size: 14px; font-weight: 600; color: var(--text-dark); transition: background 0.15s, color 0.15s; }
.policy-toc a:hover { background: rgba(201, 150, 47, 0.1); color: var(--brand-deep); }
.policy-body { max-width: 760px; }
.policy-body section { padding: 0 0 34px; margin-bottom: 34px; border-bottom: 1px solid var(--line); scroll-margin-top: 112px; }
.policy-body section:last-child { border-bottom: 0; }
.policy-body h2 { font-size: clamp(24px, 2.6vw, 30px); margin-bottom: 16px; }
.policy-body p, .policy-body li { color: var(--text-dark); font-size: 16px; line-height: 1.75; }
.policy-body p { margin-bottom: 14px; }
.policy-body ul { padding-left: 22px; margin: 0 0 14px; }
.policy-body li { margin-bottom: 8px; }
.policy-body li::marker { color: var(--brand); }
.policy-body a { color: var(--brand-deep); text-decoration: underline; text-underline-offset: 2px; }
.policy-callout { background: var(--ink); color: var(--text-light); border-radius: var(--r); padding: 26px 28px 14px; margin-bottom: 22px; border-left: 4px solid var(--brand); }
.policy-callout li { color: #e4e6eb; }
.policy-callout b { color: #fff; }
.policy-warn { background: #fdf1ef; border: 1px solid #e7b4ab; border-left: 4px solid #b4432f; border-radius: var(--r-sm); padding: 18px 20px; color: #5e1d14; font-size: 15px; line-height: 1.7; }
.policy-upper { font-size: 13.5px !important; letter-spacing: 0.02em; line-height: 1.7 !important; }
@media (max-width: 1020px) {
  .policy { grid-template-columns: 1fr; gap: 26px; }
  .policy-toc { position: static; display: grid; grid-template-columns: repeat(2, 1fr); }
  .policy-toc .eyebrow { grid-column: 1 / -1; }
}
@media (max-width: 620px) { .policy-toc { grid-template-columns: 1fr; } }

/* ===== careers / job application ===== */
.topbar a.topbar-careers { color: var(--brand-2); font-weight: 700; }
.topbar a.topbar-careers:hover, .topbar a.topbar-careers.on { color: #fff; }

.careers { display: grid; grid-template-columns: minmax(0, 1fr) 340px; gap: 28px; align-items: start; }
.careers-side { display: grid; gap: 18px; position: sticky; top: 104px; }
.careers-side .panel { padding: 26px; }
.careers-side .eyebrow { margin-bottom: 10px; }
.careers-side p { font-size: 14.5px; }
#application { scroll-margin-top: 110px; }

.req-note { font-size: 13.5px; margin-bottom: 8px; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.req { color: #b4432f; font-weight: 800; }
.job-form fieldset { border: 0; border-top: 1px solid var(--line); padding: 26px 0 8px; margin: 18px 0 0; min-width: 0; }
.job-form legend { display: flex; align-items: center; gap: 12px; padding-right: 14px; font-family: var(--serif); font-size: 22px; font-weight: 600; color: var(--ink); }
.job-form legend span { width: 30px; height: 30px; border-radius: 50%; display: grid; place-items: center; background: var(--ink); color: var(--brand-2); font-family: var(--sans); font-size: 13px; font-weight: 800; }
.job-form label small { font-weight: 500; color: var(--muted-dark); margin-left: 6px; }
.job-form .split2 { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.job-form .q > label { font-weight: 600; font-size: 14.5px; margin-bottom: 9px; }
.job-form > .btn { margin-top: 26px; }

.choice { display: flex; gap: 10px; flex-wrap: wrap; }
.form-grid .choice label {
  display: inline-flex; align-items: center; gap: 9px; margin: 0;
  padding: 10px 18px; border: 1px solid var(--line); border-radius: var(--r-sm);
  background: #fff; font-weight: 600; font-size: 14.5px; cursor: pointer;
  transition: border-color 0.16s, background 0.16s;
}
.form-grid .choice label:hover { border-color: var(--brand); }
.form-grid .choice label:has(input:checked) { border-color: var(--brand); background: rgba(201, 150, 47, 0.1); color: var(--ink); }
.choice input, .check input { accent-color: var(--brand-deep); width: 17px; height: 17px; margin: 0; flex: none; }

.form-grid label.check, .check { display: flex; align-items: flex-start; gap: 11px; font-weight: 600; font-size: 14.5px; color: var(--ink); cursor: pointer; }
.check input { margin-top: 2px; }
.certify { padding: 18px 20px; border: 1px solid var(--line); border-radius: var(--r-sm); background: #fff; font-weight: 500; line-height: 1.6; }
.certify span { color: var(--text-dark); }

input[type="file"] {
  width: 100%; padding: 12px; border: 1.5px dashed #cdbf9f; border-radius: var(--r-sm);
  background: #fff; font-family: inherit; font-size: 14.5px; color: var(--text-dark); cursor: pointer;
}
input[type="file"]::file-selector-button {
  margin-right: 14px; padding: 9px 16px; border: 0; border-radius: 8px;
  background: var(--ink); color: var(--brand-2); font-weight: 700; font-family: inherit; cursor: pointer;
}
input[readonly] { background: var(--cream); color: var(--muted-dark); }

@media (max-width: 1020px) {
  .careers { grid-template-columns: 1fr; }
  .careers-side { position: static; }
}

/* ===== CTA band ===== */
.cta-band {
  position: relative;
  overflow: hidden;
  border-radius: var(--r);
  padding: clamp(44px, 6vw, 74px) 34px;
  text-align: center;
  background: radial-gradient(800px 400px at 70% -20%, #232838, transparent 60%), linear-gradient(160deg, var(--ink-2), var(--ink));
  border: 1px solid var(--ink-3);
  box-shadow: var(--shadow);
}

.cta-band h2 { color: #fff; max-width: 20ch; margin: 0 auto 16px; }
.cta-band p { color: #c7cbd4; max-width: 56ch; margin-inline: auto; font-size: 17px; }
.cta-band .hero-btns { justify-content: center; }

/* ===== footer ===== */
footer { background: var(--ink); color: var(--muted-light); padding: 68px 0 32px; }
.ftr { display: grid; grid-template-columns: 1.6fr repeat(3, 1fr); gap: 40px; margin-bottom: 48px; }
.ftr .logo-txt { color: #fff; }
.ftr .logo-txt small { color: var(--brand-2); }
.ftr p { color: var(--muted-light); font-size: 14.5px; margin-bottom: 10px; }
.ftr h4 { font-family: var(--sans); font-size: 11.5px; text-transform: uppercase; letter-spacing: 0.18em; color: #fff; margin-bottom: 18px; font-weight: 800; }
.ftr a { display: block; color: var(--muted-light); font-size: 14.5px; margin-bottom: 10px; transition: color 0.16s; }
.ftr a:hover { color: var(--brand-2); }
.legal { border-top: 1px solid var(--ink-3); padding-top: 26px; }
.legal p { font-size: 12px; color: #7c8390; line-height: 1.7; margin-bottom: 10px; }
.legal a { color: var(--brand-2); }
.eho { display: inline-block; border: 1px solid var(--ink-3); border-radius: 6px; padding: 3px 8px; font-size: 10.5px; letter-spacing: 0.08em; margin-right: 10px; color: var(--muted-light); font-weight: 700; }

/* ===== responsive ===== */
@media (max-width: 1040px) {
  .g4, .steps { grid-template-columns: repeat(2, 1fr); }
  .calc-grid { grid-template-columns: 1fr; }
  .calc-result { position: static; }
  .ftr { grid-template-columns: repeat(2, 1fr); }
}

/* Header breakpoints are measured, not guessed: logo + full nav (with icons)
   + phone + CTA ≈ 1290px of content; the compact nav version ≈ 1120px.
   (Media widths include the ~15px scrollbar, hence the headroom.) */
@media (max-width: 1380px) {
  .nav > a, .nav-item > a { padding: 10px 9px; font-size: 13.5px; }
  .nav > a .ico { display: none; }
}

@media (max-width: 1200px) {
  .nav { display: none; }
  .burger { display: flex; }
  .hdr-cta { margin-left: auto; }
}

@media (max-width: 1020px) {
  .nav { display: none; }
  .burger { display: flex; }
  .hide-sm { display: none !important; }
  .stats, .g3, .g2 { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 1020px) {
  .hdr-in { height: 92px; }
  .logo img { height: 72px; }
}

@media (max-width: 720px) {
  .hdr-phone-txt { display: none; }
  .topbar-in { justify-content: center; gap: 14px; }
  .hdr-in, .hdr.stuck .hdr-in { height: 80px; }
  .logo img, .hdr.stuck .logo img { height: 62px; }
  /* phones: the house shows as a lit photo band up top, fading into the copy */
  .hero-home { padding: 250px 0 44px; min-height: 0; }
  .hero-photo { height: 380px; bottom: auto; object-position: 66% 58%; }
  .hero-shade {
    background: linear-gradient(180deg,
      rgba(13, 15, 20, 0.35) 0px,
      rgba(13, 15, 20, 0.05) 90px,
      rgba(13, 15, 20, 0.55) 200px,
      rgba(13, 15, 20, 0.92) 290px,
      rgb(13, 15, 20) 380px);
  }
  .hero-home .pill { display: inline-block; line-height: 1.5; padding: 9px 16px; }
  .hero-home .pill .dot { display: inline-block; vertical-align: 1px; margin-right: 6px; }
  .hero-home .hero-sub { font-size: 17px; }
  .hero-home .trust-row { gap: 12px 20px; }
}

@media (max-width: 620px) {
  section { padding: 58px 0; }
  .stats, .g2, .g3, .g4, .steps, .form-grid, .calc-row { grid-template-columns: 1fr; }
  .hdr-cta .btn { display: none; }
  .panel, .calc-form, .calc-result { padding: 24px; }
  th, td { padding: 14px 16px; }
  .seg { grid-auto-flow: row; grid-template-columns: repeat(2, 1fr); }
}