/* ─────────────────────────────────────────────
   TOKENS — AMIC brand
   ───────────────────────────────────────────── */
:root {
  /* Color — matches amic.co + Arive application */
  --paper:        #FFFFFF;       /* Clean white background */
  --paper-deep:   #F7FBFC;       /* Very light teal tint for section variation */
  --card:         #FFFFFF;
  --ink:          #15233D;       /* Deep navy-black, matches Arive headings */
  --text:         #404040;
  --muted:        #8a8a8a;
  --hairline:     #E4E8EC;       /* Light cool gray */
  --hairline-sft: #EFF2F5;
  --accent:       #27c2d6;       /* AMIC teal (from existing logo) */
  --accent-dark:  #1da8ba;       /* AMIC teal-dark (hover/active) */
  --accent-soft:  #E4F7FA;       /* Light teal tint */
  --highlight:    #f5b800;       /* Amber for the after-hours warning only */

  /* Type — Sora throughout (matches amic.co + Arive), Libre Baskerville italic for accents (matches existing amic.co) */
  --font:    'Sora', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --serif:   'Libre Baskerville', Georgia, 'Times New Roman', serif;
  /* Aliases kept for backwards compatibility with existing rules */
  --display: var(--font);
  --sans:    var(--font);
  --mono:    var(--font);

  /* Motion */
  --ease:    cubic-bezier(.16, 1, .3, 1);
  --ease-io: cubic-bezier(.65, 0, .35, 1);

  /* Layout */
  --mw:  1280px;
  --col: 640px;
  --gut: clamp(24px, 5vw, 56px);
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html {
  font-size: 16px;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  text-rendering: optimizeLegibility;
}

body {
  background: var(--paper);
  color: var(--text);
  font-family: var(--font);
  font-weight: 400;
  line-height: 1.65;
  overflow-x: hidden;
}

/* (Paper grain removed — clean white background matches Arive) */

img { max-width: 100%; height: auto; display: block; }
a { color: inherit; text-decoration: none; }
ul, ol { list-style: none; }
button { font-family: inherit; cursor: pointer; background: none; border: none; color: inherit; }

/* All italic accents use Libre Baskerville — matches existing amic.co brand */
em, i {
  font-family: var(--serif);
  font-style: italic;
  font-weight: 400;
  letter-spacing: -.005em;
}

::selection { background: var(--ink); color: var(--paper); }

.w { max-width: var(--mw); margin: 0 auto; padding: 0 var(--gut); }
.col { max-width: var(--col); }

/* ─────────────────────────────────────────────
   PAGE SYSTEM
   ───────────────────────────────────────────── */
/* Multi-file site: every page is its own document, so its <main> always shows.
   (Was display:none + .pg.on toggle for the old single-file hash router.) */
.pg { display: block; }

/* ─────────────────────────────────────────────
   SCROLL REVEAL
   One motion idea, executed with care.
   ───────────────────────────────────────────── */
.rv {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity .9s var(--ease), transform .9s var(--ease);
}
.rv.in { opacity: 1; transform: none; }
.rv-d1 { transition-delay: .08s; }
.rv-d2 { transition-delay: .16s; }
.rv-d3 { transition-delay: .24s; }
.rv-d4 { transition-delay: .32s; }
.rv-d5 { transition-delay: .40s; }
.rv-d6 { transition-delay: .48s; }

@media (prefers-reduced-motion: reduce) {
  .rv { opacity: 1; transform: none; transition: none; }
}

/* ─────────────────────────────────────────────
   HEADER — flat, hairline appears on scroll
   ───────────────────────────────────────────── */
#hdr {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 50;
  background: rgba(255, 255, 255, .92);
  backdrop-filter: saturate(140%) blur(10px);
  -webkit-backdrop-filter: saturate(140%) blur(10px);
  border-bottom: 1px solid transparent;
  transition: border-color .35s var(--ease), background .35s var(--ease);
}
#hdr.scrolled {
  border-bottom-color: var(--hairline);
}
.hdr {
  max-width: var(--mw);
  margin: 0 auto;
  padding: 0 var(--gut);
  height: 68px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  display: inline-flex;
  align-items: center;
  color: var(--ink);
  line-height: 1;
  transition: color .2s var(--ease);
}
.brand svg {
  height: 30px;
  width: auto;
  display: block;
}
.brand:hover { color: var(--accent-dark); }

.hdr-right {
  display: flex;
  align-items: center;
  gap: 22px;
}

.nav {
  display: flex;
  gap: 22px;
  align-items: center;
}
.nav a {
  font-family: var(--font);
  font-size: .82rem;
  font-weight: 500;
  color: var(--text);
  position: relative;
  padding: 6px 0;
  letter-spacing: -.002em;
  white-space: nowrap;
  transition: color .25s var(--ease);
}
.nav a::after {
  content: '';
  position: absolute;
  left: 0; bottom: 0;
  width: 100%;
  height: 1px;
  background: var(--ink);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform .35s var(--ease);
}
.nav a:hover { color: var(--ink); }
.nav a:hover::after,
.nav a.current::after { transform: scaleX(1); }
.nav a.current { color: var(--ink); }

.hdr-phone {
  font-family: var(--font);
  font-size: .85rem;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -.005em;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  white-space: nowrap;
  transition: color .25s var(--ease);
}
.hdr-phone::before {
  content: '';
  width: 7px; height: 7px;
  background: var(--accent);
  border-radius: 50%;
  display: inline-block;
  flex-shrink: 0;
}
.hdr-phone:hover { color: var(--accent-dark); }

.brgr {
  display: none;
  width: 36px; height: 36px;
  position: relative;
}
.brgr span {
  display: block;
  position: absolute;
  left: 8px;
  width: 20px; height: 1.5px;
  background: var(--ink);
  transition: .3s var(--ease);
}
.brgr span:nth-child(1) { top: 14px; }
.brgr span:nth-child(2) { top: 20px; width: 16px; }
.brgr.x span:nth-child(1) { top: 18px; transform: rotate(45deg); width: 20px; }
.brgr.x span:nth-child(2) { top: 18px; transform: rotate(-45deg); width: 20px; }

@media (max-width: 1080px) {
  .nav { display: none; }
  .brgr { display: block; }
  .hdr-phone { display: none; }
  .nav.open {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 68px;
    left: 0; right: 0;
    background: var(--paper);
    padding: 24px var(--gut);
    border-bottom: 1px solid var(--hairline);
    gap: 18px;
    align-items: flex-start;
  }
  .nav.open a { font-size: 1.4rem; font-family: var(--font); font-weight: 600; color: var(--ink); }
}

/* Body scroll lock while mobile menu is open */
body.menu-open { overflow: hidden; touch-action: none; }

/* ─────────────────────────────────────────────
   HERO
   ───────────────────────────────────────────── */
.hero {
  padding: 140px 0 80px;
  position: relative;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.25fr 1fr;
  gap: clamp(32px, 6vw, 80px);
  align-items: center;
}
@media (max-width: 880px) {
  .hero { padding: 110px 0 56px; }
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
}

.eyebrow {
  font-family: var(--mono);
  font-size: .72rem;
  font-weight: 500;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin-bottom: 28px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.eyebrow::before {
  content: '';
  width: 28px; height: 1px;
  background: var(--accent);
}

.hero h1 {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(2.6rem, 7.2vw, 5.4rem);
  line-height: 1;
  letter-spacing: -.03em;
  color: var(--ink);
  margin-bottom: 32px;
  max-width: 720px;
}
.hero h1 em {
  font-style: italic;
  color: var(--accent-dark);
  font-weight: 400;
}

.hero p.lede {
  font-size: 1.08rem;
  line-height: 1.6;
  color: var(--text);
  max-width: 540px;
  margin-bottom: 40px;
}

.hero-cta {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.hero-phone {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(1.7rem, 3.6vw, 2.4rem);
  letter-spacing: -.02em;
  color: var(--ink);
  display: inline-block;
  border-bottom: 2px solid var(--accent);
  padding-bottom: 4px;
  align-self: flex-start;
  transition: color .3s var(--ease), border-color .3s var(--ease);
}
.hero-phone:hover { color: var(--accent-dark); border-bottom-color: var(--accent-dark); }
.hero-or {
  font-family: var(--mono);
  font-size: .78rem;
  color: var(--muted);
  margin-top: 8px;
}
.hero-or a {
  color: var(--ink);
  border-bottom: 1px solid var(--hairline);
  padding-bottom: 1px;
  transition: border-color .2s;
}
.hero-or a:hover { border-bottom-color: var(--ink); }

/* Hero photo treatment */
.hero-photo {
  position: relative;
  aspect-ratio: 4 / 5;
  background: var(--paper-deep);
  border: 1px solid var(--hairline);
  overflow: hidden;
}
.hero-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
  /* Duotone-ish treatment: warm shadows, slightly cool highlights */
  filter: grayscale(.4) contrast(1.04) brightness(.98) sepia(.12);
  transition: filter .8s var(--ease);
}
.hero-photo:hover img { filter: grayscale(0) contrast(1) brightness(1) sepia(0); }
.hero-photo figcaption {
  position: absolute;
  bottom: 16px;
  left: 16px;
  right: 16px;
  font-family: var(--mono);
  font-size: .68rem;
  color: var(--paper);
  letter-spacing: .04em;
  text-shadow: 0 1px 4px rgba(0,0,0,.5);
  display: flex;
  justify-content: space-between;
  gap: 12px;
}
.hero-photo figcaption span:first-child {
  font-family: var(--display);
  font-style: italic;
  font-size: .92rem;
  letter-spacing: 0;
  font-weight: 400;
  text-transform: none;
}

/* ─────────────────────────────────────────────
   NUMBERS — quiet editorial statement
   ───────────────────────────────────────────── */
.numbers {
  padding: 100px 0;
  border-top: 1px solid var(--hairline);
  border-bottom: 1px solid var(--hairline);
}
.numbers p {
  font-family: var(--display);
  font-weight: 400;
  font-size: clamp(1.5rem, 3.4vw, 2.4rem);
  line-height: 1.25;
  letter-spacing: -.02em;
  color: var(--ink);
  max-width: 880px;
}
.numbers p em {
  font-style: italic;
  color: var(--accent-dark);
}
.numbers .badges {
  margin-top: 36px;
  display: flex;
  flex-wrap: wrap;
  gap: 28px 36px;
  font-family: var(--mono);
  font-size: .74rem;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--muted);
}
.numbers .badges a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: color .25s;
}
.numbers .badges a:hover { color: var(--ink); }
.numbers .badges a::before {
  content: '';
  width: 4px; height: 4px;
  background: var(--accent);
  border-radius: 50%;
}

/* ─────────────────────────────────────────────
   SECTION CHROME
   ───────────────────────────────────────────── */
section { padding: clamp(56px, 7vw, 88px) 0; position: relative; }
section.tight { padding: clamp(40px, 5vw, 64px) 0; }
/* A section right after a page header shouldn't stack its full top padding on top of the
   header's bottom padding — that created a 230–290px void. Tighten it and drop the first
   child's own top margin so only this padding controls the gap. */
.pg-hdr + section { padding-top: clamp(20px, 2.5vw, 28px); }
.pg-hdr + section > .w > *:first-child { margin-top: 0; }

.sec-eyebrow {
  font-family: var(--font);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin-bottom: 18px;
}
.sec-h {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(2rem, 5vw, 3.4rem);
  line-height: 1.05;
  letter-spacing: -.025em;
  color: var(--ink);
  margin-bottom: 24px;
  max-width: 720px;
}
.sec-h em {
  font-style: italic;
  color: var(--accent-dark);
  font-weight: 400;
}
.sec-lede {
  font-size: 1.04rem;
  color: var(--text);
  max-width: var(--col);
  line-height: 1.6;
}

/* ─────────────────────────────────────────────
   WHY — three text columns, no decoration
   ───────────────────────────────────────────── */
.why-grid {
  margin-top: 64px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(32px, 5vw, 64px);
  border-top: 1px solid var(--hairline);
  padding-top: 56px;
}
@media (max-width: 800px) {
  .why-grid { grid-template-columns: 1fr; gap: 48px; padding-top: 40px; }
}
.why-item h3 {
  font-family: var(--display);
  font-weight: 400;
  font-style: italic;
  font-size: 1.7rem;
  line-height: 1.15;
  color: var(--ink);
  margin-bottom: 16px;
  letter-spacing: -.01em;
}
.why-item p {
  font-size: .96rem;
  color: var(--text);
  line-height: 1.65;
}
.why-num {
  font-family: var(--mono);
  font-size: .72rem;
  color: var(--accent-dark);
  letter-spacing: .08em;
  margin-bottom: 14px;
  display: block;
}

/* ─────────────────────────────────────────────
   PATHS — three big editorial link rows
   ───────────────────────────────────────────── */
.paths {
  background: var(--paper-deep);
  margin-top: 0;
}
.path-list {
  margin-top: 56px;
}
.path-row {
  display: block;
  border-top: 1px solid var(--hairline);
  padding: 36px 0;
  position: relative;
  transition: padding .4s var(--ease);
}
.path-row:last-child { border-bottom: 1px solid var(--hairline); }
.path-row-inner {
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 24px;
}
.path-row h3 {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(1.7rem, 4vw, 2.8rem);
  line-height: 1.05;
  letter-spacing: -.025em;
  color: var(--ink);
  transition: color .35s var(--ease), letter-spacing .35s var(--ease);
}
.path-row p {
  font-size: .95rem;
  color: var(--muted);
  max-width: 320px;
  margin-top: 14px;
}
.path-arrow {
  font-family: var(--font);
  font-size: 1.6rem;
  font-weight: 400;
  color: var(--accent);
  transition: transform .4s var(--ease), color .35s var(--ease);
  flex-shrink: 0;
}
.path-row:hover h3 { color: var(--accent-dark); }
.path-row:hover h3 em { color: var(--ink); }
.path-row:hover .path-arrow { transform: translateX(12px); color: var(--accent-dark); }
.path-row h3 em {
  font-style: italic;
  color: var(--accent-dark);
  font-weight: 400;
}

/* ─────────────────────────────────────────────
   TEAM PREVIEW — the differentiator
   Real people. Real phone numbers.
   ───────────────────────────────────────────── */
.team-preview { padding-top: clamp(28px, 4vw, 48px); }

.team-grid {
  margin-top: 64px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: clamp(20px, 3vw, 36px) clamp(16px, 2vw, 32px);
}
@media (max-width: 880px) { .team-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 500px) { .team-grid { grid-template-columns: 1fr 1fr; gap: 28px 16px; } }

.tm {
  display: block;
  background: none;
  border: none;
  text-align: left;
  cursor: pointer;
  transition: transform .4s var(--ease);
}
.tm:hover { transform: translateY(-2px); }

.tm-photo {
  aspect-ratio: 4 / 5;
  background: var(--paper-deep);
  border: 1px solid var(--hairline);
  border-radius: 6px;
  overflow: hidden;
  margin-bottom: 16px;
  position: relative;
}
.tm-photo img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: center 25%;
  transition: transform 1s var(--ease);
}
.tm:hover .tm-photo img {
  transform: scale(1.03);
}

.tm-name {
  font-family: var(--font);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--ink);
  letter-spacing: -.015em;
  line-height: 1.2;
  margin-bottom: 4px;
}
.tm-role {
  font-size: .78rem;
  color: var(--accent-dark);
  font-family: var(--font);
  font-weight: 600;
  letter-spacing: .005em;
  margin-bottom: 10px;
}
.tm-contact {
  margin-top: 14px;
  padding-top: 14px;
  border-top: 1px solid var(--hairline);
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.tm-phone {
  font-family: var(--font);
  font-size: .82rem;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: -.005em;
  transition: color .25s;
  align-self: flex-start;
}
.tm-phone:hover { color: var(--accent-dark); }
.tm-nmls {
  font-family: var(--font);
  font-size: .76rem;
  font-weight: 500;
  color: var(--muted);
  letter-spacing: .005em;
}
.tm-apply-link {
  margin-top: 4px;
  font-family: var(--font);
  font-size: .85rem;
  font-weight: 600;
  color: var(--accent-dark);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap .35s var(--ease), color .25s var(--ease);
  align-self: flex-start;
}
.tm-apply-link span {
  transition: transform .35s var(--ease);
  display: inline-block;
}
.tm-apply-link:hover {
  color: var(--ink);
  gap: 12px;
}
.tm-apply-link:hover span { transform: translateX(2px); }
.tm.tm-has-apply:hover .tm-apply-link { color: var(--ink); }

/* Photo is now an anchor to the bio page; keep it visually identical to the old div. */
.tm-photo { display: block; }
/* Small "Bio →" link directly under name/role. */
.tm-bio-link {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  font-family: var(--font);
  font-size: .8rem;
  font-weight: 600;
  color: var(--accent-dark);
  letter-spacing: .005em;
  transition: gap .35s var(--ease), color .25s var(--ease);
  align-self: flex-start;
}
.tm-bio-link span { display: inline-block; transition: transform .35s var(--ease); }
.tm-bio-link:hover { color: var(--ink); gap: 9px; }
.tm-bio-link:hover span { transform: translateX(2px); }
.tm:hover .tm-bio-link { color: var(--ink); }

/* ── Single-member bio page ── */
.bio-section { padding-top: clamp(28px, 5vw, 64px); padding-bottom: clamp(48px, 7vw, 96px); }
.bio-breadcrumb {
  font-family: var(--font);
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: clamp(24px, 4vw, 44px);
}
.bio-breadcrumb a { color: var(--accent-dark); }
.bio-breadcrumb a:hover { color: var(--ink); }
.bio-breadcrumb span { margin: 0 8px; color: var(--hairline); }

.bio-layout {
  display: grid;
  grid-template-columns: minmax(0, 320px) minmax(0, 1fr);
  gap: clamp(32px, 5vw, 72px);
  align-items: start;
}
@media (max-width: 720px) {
  .bio-layout { grid-template-columns: 1fr; gap: 32px; }
}

.bio-aside { position: sticky; top: 110px; }
@media (max-width: 720px) { .bio-aside { position: static; } }
.bio-photo {
  aspect-ratio: 4 / 5;
  background: var(--paper-deep);
  border: 1px solid var(--hairline);
  border-radius: 8px;
  overflow: hidden;
  max-width: 320px;
}
@media (max-width: 720px) { .bio-photo { max-width: 240px; } }
.bio-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 25%; }
.bio-contact {
  margin-top: 20px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.bio-phone {
  font-family: var(--font);
  font-weight: 600;
  font-size: 1.05rem;
  color: var(--ink);
  letter-spacing: -.01em;
  transition: color .25s;
}
.bio-phone:hover { color: var(--accent-dark); }
.bio-nmls {
  font-family: var(--font);
  font-size: .82rem;
  font-weight: 500;
  color: var(--muted);
  letter-spacing: .005em;
  transition: color .25s;
}
.bio-nmls:hover { color: var(--accent-dark); }

.bio-name {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(2rem, 4.5vw, 3rem);
  line-height: 1.06;
  letter-spacing: -.025em;
  color: var(--ink);
  margin: 0 0 10px;
}
.bio-role {
  font-family: var(--font);
  font-weight: 600;
  font-size: .95rem;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin-bottom: clamp(24px, 3vw, 36px);
}
.bio-prose p {
  font-size: 1.08rem;
  line-height: 1.7;
  color: var(--ink);
  margin: 0 0 1.1em;
  max-width: 64ch;
}
.bio-prose-empty p { color: var(--muted); }

.bio-cta { margin-top: clamp(20px, 3vw, 32px); }
.bio-apply {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  background: var(--accent);
  color: var(--ink);
  font-family: var(--font);
  font-weight: 700;
  font-size: 1rem;
  padding: 14px 26px;
  border-radius: 6px;
  transition: gap .35s var(--ease), background .25s var(--ease);
}
.bio-apply:hover { gap: 16px; background: var(--accent-dark); color: var(--paper); }

.bio-back {
  display: inline-block;
  margin-top: clamp(28px, 4vw, 44px);
  font-family: var(--font);
  font-weight: 600;
  font-size: .92rem;
  color: var(--muted);
  transition: color .25s;
}
.bio-back:hover { color: var(--ink); }

.bio-missing { padding: clamp(40px, 8vw, 100px) 0; max-width: 60ch; }
.bio-missing h1 {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(1.6rem, 4vw, 2.4rem);
  letter-spacing: -.02em;
  color: var(--ink);
  margin: 0 0 16px;
}
.bio-missing p { font-size: 1.05rem; line-height: 1.6; color: var(--muted); margin: 0 0 24px; }


.see-all {
  margin-top: 48px;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font);
  font-weight: 600;
  font-size: 1rem;
  color: var(--accent-dark);
  border-bottom: 2px solid var(--accent);
  padding-bottom: 3px;
  transition: gap .35s var(--ease), color .25s var(--ease);
}
.see-all:hover { gap: 18px; color: var(--ink); }

/* ─────────────────────────────────────────────
   TESTIMONIAL — one, pulled large
   ───────────────────────────────────────────── */
.quote-section {
  background: var(--ink);
  color: #fff;
  padding: clamp(56px, 7vw, 88px) 0;
}
.quote-mark {
  font-family: var(--serif);
  font-size: clamp(4rem, 10vw, 8rem);
  line-height: .8;
  color: var(--accent);
  margin-bottom: 24px;
  font-style: italic;
  font-weight: 400;
}
.quote-text {
  font-family: var(--serif);
  font-style: italic;
  font-weight: 400;
  font-size: clamp(1.4rem, 3vw, 2.1rem);
  line-height: 1.42;
  letter-spacing: -.005em;
  color: #fff;
  max-width: 920px;
  margin-bottom: 40px;
}
.quote-attr {
  font-family: var(--font);
  font-size: .85rem;
  color: rgba(255,255,255,.6);
}
.quote-attr strong {
  font-family: var(--font);
  font-weight: 600;
  color: #fff;
  font-size: .96rem;
  display: block;
  margin-bottom: 2px;
}
.quote-section .see-all {
  color: #fff;
  border-bottom-color: rgba(255,255,255,.4);
  margin-top: 40px;
}
.quote-section .see-all:hover { border-bottom-color: var(--accent); color: var(--accent); }

/* ── Home: rotating Google reviews (inside the dark quote-section) ── */
.hrvw { color: #fff; }
.hrvw-badge {
  display: inline-flex; align-items: center; gap: 10px;
  margin-bottom: 28px;
}
.hrvw-stars { color: var(--accent); font-size: 1rem; letter-spacing: 2px; }
.hrvw-meta {
  font-family: var(--font); font-size: .82rem; font-weight: 600;
  letter-spacing: .04em; color: rgba(255,255,255,.7);
}
.hrvw-stage { min-height: 200px; display: flex; flex-direction: column; justify-content: center; }
@media (max-width:700px){ .hrvw-stage { min-height: 260px; } }
.hrvw-q {
  font-family: var(--serif); font-style: italic; font-weight: 400;
  font-size: clamp(1.4rem, 3vw, 2.1rem); line-height: 1.42; letter-spacing: -.005em;
  color: #fff; max-width: 920px; margin: 0 0 22px;
  opacity: 0; transform: translateY(8px); transition: opacity .4s var(--ease), transform .4s var(--ease);
}
.hrvw-q.in { opacity: 1; transform: none; }
.hrvw-by {
  font-family: var(--font); font-size: .9rem; font-weight: 600; color: rgba(255,255,255,.75);
  margin: 0; opacity: 0; transition: opacity .4s var(--ease) .05s;
}
.hrvw-by.in { opacity: 1; }
.hrvw-foot {
  display: flex; align-items: center; justify-content: space-between; gap: 20px;
  margin-top: 36px; flex-wrap: wrap;
}
.hrvw-dots { display: flex; gap: 8px; }
.hrvw-dot {
  width: 8px; height: 8px; border-radius: 50%; padding: 0; border: 0; cursor: pointer;
  background: rgba(255,255,255,.28); transition: background .25s var(--ease), transform .25s var(--ease);
}
.hrvw-dot:hover { background: rgba(255,255,255,.55); }
.hrvw-dot.on { background: var(--accent); transform: scale(1.25); }
.hrvw .see-all { color: #fff; border-bottom-color: rgba(255,255,255,.4); margin-top: 0; }
.hrvw .see-all:hover { border-bottom-color: var(--accent); color: var(--accent); }

/* ── Team page: reviews section (light ground) ── */
.reviews-section {
  background: var(--paper-deep);
  border-top: 1px solid var(--hairline);
  padding: clamp(48px, 7vw, 88px) 0;
}
.reviews-intro { margin-bottom: clamp(28px, 4vw, 44px); }
.reviews-intro h2 {
  font-family: var(--font); font-weight: 700; letter-spacing: -.02em;
  font-size: clamp(1.6rem, 3.5vw, 2.4rem); color: var(--ink); margin: 0 0 8px;
}
.reviews-intro p { font-size: 1rem; color: var(--muted); margin: 0; }

.rvw-head {
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
  flex-wrap: wrap; margin-bottom: clamp(28px, 4vw, 40px);
  padding-bottom: clamp(24px, 3vw, 32px); border-bottom: 1px solid var(--hairline);
}
.rvw-badge { display: flex; align-items: baseline; gap: 12px; }
.rvw-rating {
  font-family: var(--font); font-weight: 800; font-size: clamp(2.4rem, 5vw, 3.4rem);
  line-height: 1; color: var(--ink); letter-spacing: -.03em;
}
.rvw-rating span { color: var(--accent); font-size: .6em; margin-left: 4px; }
.rvw-rating-meta { font-family: var(--font); font-size: .9rem; font-weight: 600; color: var(--muted); }
.rvw-actions { display: flex; gap: 22px; flex-wrap: wrap; }
.rvw-read, .rvw-write {
  display: inline-flex; align-items: center; gap: 8px;
  font-family: var(--font); font-weight: 600; font-size: .95rem;
  transition: gap .35s var(--ease), color .25s var(--ease);
}
.rvw-read { color: var(--accent-dark); }
.rvw-read:hover { gap: 12px; color: var(--ink); }
.rvw-write {
  background: var(--accent); color: var(--ink); padding: 11px 20px; border-radius: 6px;
}
.rvw-write:hover { gap: 12px; background: var(--accent-dark); color: var(--paper); }

.rvw-grid {
  columns: 3; column-gap: 28px;
}
@media (max-width: 980px){ .rvw-grid { columns: 2; } }
@media (max-width: 640px){ .rvw-grid { columns: 1; } }
.rvw-card {
  break-inside: avoid; margin: 0 0 28px;
  background: var(--paper); border: 1px solid var(--hairline); border-radius: 10px;
  padding: 24px 24px 22px;
}
.rvw-stars { color: var(--accent); font-size: .85rem; letter-spacing: 2px; margin-bottom: 12px; }
.rvw-q {
  font-family: var(--font); font-size: .98rem; line-height: 1.6; color: var(--ink);
  margin: 0 0 16px; border: 0; padding: 0;
}
.rvw-by { font-family: var(--font); font-size: .85rem; color: var(--muted); }
.rvw-by strong { display: block; font-weight: 600; color: var(--ink); font-size: .92rem; margin-bottom: 1px; }
.rvw-on { font-size: .82rem; }


/* ─────────────────────────────────────────────
   WHAT A CALL SOUNDS LIKE — sets expectations
   ───────────────────────────────────────────── */
.call-section {
  display: grid;
  grid-template-columns: 1fr 1.4fr;
  gap: clamp(40px, 6vw, 96px);
  align-items: start;
}
@media (max-width: 800px) {
  .call-section { grid-template-columns: 1fr; gap: 40px; }
}
.call-steps {
  border-top: 1px solid var(--hairline);
}
.call-step {
  display: grid;
  grid-template-columns: 96px 1fr;
  gap: 24px;
  padding: 28px 0;
  border-bottom: 1px solid var(--hairline);
  align-items: baseline;
}
.call-step-num {
  font-family: var(--font);
  font-size: .82rem;
  font-weight: 700;
  color: var(--accent-dark);
  letter-spacing: .04em;
}
.call-step-body h4 {
  font-family: var(--font);
  font-weight: 700;
  font-size: 1.25rem;
  color: var(--ink);
  margin-bottom: 6px;
  letter-spacing: -.015em;
}
.call-step-body p {
  font-size: .94rem;
  color: var(--text);
  line-height: 1.6;
}

/* ─────────────────────────────────────────────
   THE PROMISE — big confident commitment
   ───────────────────────────────────────────── */
.promise {
  background: var(--paper-deep);
  text-align: center;
}
.promise .w { padding: 0 var(--gut); }
.promise p.commitment {
  font-family: var(--font);
  font-weight: 500;
  font-size: clamp(1.7rem, 4vw, 2.6rem);
  line-height: 1.25;
  letter-spacing: -.02em;
  color: var(--ink);
  max-width: 980px;
  margin: 0 auto 32px;
}
.promise p.commitment em {
  font-style: italic;
  color: var(--accent-dark);
  font-weight: 400;
}
.promise .signed {
  font-family: var(--font);
  font-size: .76rem;
  font-weight: 700;
  color: var(--muted);
  letter-spacing: .12em;
  text-transform: uppercase;
}

/* ─────────────────────────────────────────────
   MAILER — clear, not defensive
   ───────────────────────────────────────────── */
.mailer { background: var(--paper); }
.mailer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: clamp(40px, 5vw, 80px);
  margin-top: 48px;
  align-items: start;
}
@media (max-width: 800px) { .mailer-grid { grid-template-columns: 1fr; gap: 40px; } }
.mailer-grid > div p, .mailer-content p {
  font-size: 1rem;
  line-height: 1.7;
  color: var(--text);
  margin-bottom: 18px;
  max-width: 600px;
}
.mailer-content p strong {
  color: var(--ink);
  font-weight: 600;
}

/* Mailer page CTAs and FAQ link */
.mailer-cta {
  display: flex;
  gap: 20px;
  align-items: center;
  margin-top: 36px;
  flex-wrap: wrap;
}
.mailer-cta-primary {
  display: inline-block;
  background: var(--accent);
  color: var(--ink);
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 600;
  text-decoration: none;
  transition: background .2s;
  font-family: var(--font);
}
.mailer-cta-primary:hover { background: var(--accent-dark); color: #fff; }
.mailer-cta-secondary {
  color: var(--ink);
  font-weight: 500;
  text-decoration: none;
  border-bottom: 1px solid currentColor;
  padding-bottom: 2px;
  font-family: var(--font);
}
.mailer-cta-secondary:hover { color: var(--accent-dark); }
.mailer-faq-link {
  margin-top: 28px;
  font-family: var(--font);
  font-size: .92rem;
}
.mailer-faq-link a {
  color: var(--accent-dark);
  text-decoration: none;
  border-bottom: 1px dashed currentColor;
}

/* Verify strip — horizontal trust band below the explanation */
.verify-section {
  border-top: 1px solid #e8e6df;
  margin-top: 64px;
  padding-top: clamp(40px, 5vw, 64px) !important;
}
.verify-eyebrow {
  font-family: var(--font);
  text-transform: uppercase;
  letter-spacing: .14em;
  font-size: .72rem;
  color: var(--accent-dark);
  font-weight: 700;
  margin-bottom: 32px;
}
.verify-grid {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 32px;
}
@media (max-width: 1000px) { .verify-grid { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 600px)  { .verify-grid { grid-template-columns: 1fr; gap: 24px; } }
.verify-item {
  font-family: var(--font);
  font-size: .95rem;
  line-height: 1.55;
  color: var(--ink);
}
.verify-label {
  text-transform: uppercase;
  letter-spacing: .12em;
  font-size: .68rem;
  color: var(--text);
  font-weight: 700;
  margin-bottom: 10px;
}
.verify-item a {
  color: var(--ink);
  text-decoration: none;
  border-bottom: 1px solid var(--accent);
  padding-bottom: 1px;
  transition: border-color .15s;
}
.verify-item a:hover { border-bottom-color: var(--ink); }
.verify-secondary {
  font-size: .85rem;
  color: var(--text);
  border-bottom: none !important;
}
.verify-value {
  color: var(--ink);
}
.mailer-side {
  font-family: var(--font);
  font-size: .9rem;
  color: var(--text);
  background: var(--accent-soft);
  border-left: 3px solid var(--accent);
  border-radius: 6px;
  padding: 24px 28px;
}
.mailer-side .label {
  color: var(--accent-dark);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  margin-bottom: 12px;
  display: block;
}

/* ─────────────────────────────────────────────
   FINAL CTA
   ───────────────────────────────────────────── */
.final-cta {
  text-align: center;
  padding: clamp(64px, 8vw, 96px) 0;
  border-top: 1px solid var(--hairline);
}
.final-cta h2 {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(2.2rem, 5.8vw, 4rem);
  line-height: 1.04;
  letter-spacing: -.028em;
  color: var(--ink);
  margin-bottom: 48px;
}
.final-cta h2 em {
  font-style: italic;
  color: var(--accent-dark);
  font-weight: 400;
}
.final-phone {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(2.4rem, 6.5vw, 4.6rem);
  letter-spacing: -.025em;
  color: var(--ink);
  display: inline-block;
  border-bottom: 3px solid var(--accent);
  padding-bottom: 8px;
  transition: color .35s var(--ease), border-color .35s var(--ease);
}
.final-phone:hover { color: var(--accent-dark); border-bottom-color: var(--accent-dark); }
.final-hours {
  margin-top: 36px;
  font-family: var(--font);
  font-size: .85rem;
  font-weight: 500;
  color: var(--muted);
}
.final-apply {
  margin-top: 16px;
  font-family: var(--font);
  font-size: .9rem;
  font-weight: 500;
  color: var(--accent-dark);
  border-bottom: 1px solid var(--accent);
  padding-bottom: 1px;
  transition: color .25s, border-color .25s;
}
.final-apply:hover { color: var(--ink); border-bottom-color: var(--ink); }

/* ─────────────────────────────────────────────
   HERO TRUST ROW + TWO-PATH (revised hero)
   ───────────────────────────────────────────── */
.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 28px;
  font-family: var(--font);
  font-size: .76rem;
  font-weight: 600;
  letter-spacing: .04em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: clamp(32px, 5vw, 48px);
}
.trust-row a, .trust-row span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: color .25s var(--ease), border-color .25s var(--ease);
}
.trust-row a {
  color: var(--text);
  border-bottom: 1px solid transparent;
  padding-bottom: 1px;
}
.trust-row a:hover { color: var(--ink); border-bottom-color: var(--ink); }
.trust-dot {
  width: 6px; height: 6px;
  background: var(--accent);
  border-radius: 50%;
  display: inline-block;
  flex-shrink: 0;
}

.hero-paths {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: clamp(20px, 4vw, 56px);
  align-items: start;
  margin-top: clamp(40px, 6vw, 56px);
  padding-top: clamp(40px, 5vw, 48px);
  border-top: 1px solid var(--hairline);
}
@media (max-width: 880px) {
  .hero-paths { grid-template-columns: 1fr; gap: 40px; padding-top: 36px; }
}
.path-label {
  font-family: var(--font);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin-bottom: 14px;
}
.path-or {
  font-family: var(--serif);
  font-style: italic;
  font-size: 1.3rem;
  color: var(--muted);
  align-self: center;
  padding-top: 22px;
}
@media (max-width: 880px) { .path-or { display: none; } }
.path-meta {
  font-family: var(--font);
  font-size: .82rem;
  color: var(--muted);
  margin-top: 14px;
  line-height: 1.55;
}
.path-meta a {
  color: var(--accent-dark);
  border-bottom: 1px solid var(--accent);
  padding-bottom: 1px;
  transition: color .25s, border-color .25s;
}
.path-meta a:hover { color: var(--ink); border-bottom-color: var(--ink); }

.ref-form {
  display: flex;
  gap: 8px;
  align-items: stretch;
}
.ref-form input {
  flex: 1;
  font-family: var(--font);
  font-size: 1rem;
  font-weight: 500;
  background: var(--card);
  border: 1.5px solid var(--hairline);
  border-radius: 8px;
  padding: 14px 16px;
  color: var(--ink);
  outline: none;
  min-width: 0;
  transition: border-color .25s var(--ease), box-shadow .25s var(--ease);
}
.ref-form input:focus {
  border-color: var(--accent);
  box-shadow: 0 0 0 4px var(--accent-soft);
}
.ref-form input::placeholder {
  color: var(--muted);
  font-weight: 400;
}
.ref-form button {
  font-family: var(--font);
  font-weight: 600;
  font-size: .95rem;
  color: #fff;
  background: var(--ink);
  border: none;
  border-radius: 8px;
  padding: 0 24px;
  cursor: pointer;
  transition: background .25s var(--ease), transform .25s var(--ease);
  white-space: nowrap;
}
.ref-form button:hover { background: var(--accent-dark); transform: translateY(-1px); }

/* Small phones: stack the reference-number field above a full-width button so a
   longer button label (e.g. /apply's "Start with it") can't force horizontal overflow. */
@media (max-width: 480px) {
  .ref-form { flex-direction: column; }
  .ref-form button { padding: 14px 24px; }
}

/* MAILER section — expanded sidebar with verification info */
.mailer-side ul {
  margin-top: 18px;
  padding: 0;
  list-style: none;
}
.mailer-side li {
  padding: 14px 0;
  border-top: 1px solid rgba(39, 194, 214, .25);
  font-family: var(--font);
  font-size: .88rem;
  line-height: 1.6;
  color: var(--text);
}
.mailer-side li:first-child { border-top: none; padding-top: 0; }
.mailer-side strong {
  display: block;
  font-family: var(--font);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin-bottom: 6px;
}
.mailer-side .heading {
  font-family: var(--font);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin-bottom: 4px;
}

/* APPLY page — emphasized reference field at top */
.ref-field {
  background: var(--card);
  border: 1px solid var(--hairline);
  border-left: 3px solid var(--accent);
  padding: 28px 32px;
  margin-bottom: 48px;
}
.ref-field-label {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--mono);
  font-size: .72rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin-bottom: 14px;
}
.ref-field-label::before {
  content: '';
  width: 8px; height: 8px;
  background: var(--accent);
  border-radius: 50%;
}
.ref-field input {
  width: 100%;
  font-family: var(--mono);
  font-size: 1.15rem;
  background: var(--paper);
  border: 1px solid var(--hairline);
  padding: 14px 18px;
  color: var(--ink);
  letter-spacing: .05em;
  outline: none;
  transition: border-color .25s var(--ease);
}
.ref-field input:focus { border-color: var(--ink); }
.ref-field small {
  display: block;
  font-family: var(--sans);
  font-size: .85rem;
  color: var(--text);
  margin-top: 12px;
  line-height: 1.55;
}
.divider-label {
  font-family: var(--mono);
  font-size: .72rem;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--accent-dark);
  padding-bottom: 14px;
  margin-bottom: 28px;
  border-bottom: 1px solid var(--hairline);
}

/* ─────────────────────────────────────────────
   HEADER — sticky Apply CTA
   ───────────────────────────────────────────── */
.hdr-cta {
  display: inline-block;
  background: var(--accent);
  color: #fff;
  font-family: var(--font);
  font-weight: 600;
  font-size: .85rem;
  padding: 10px 22px;
  margin-left: 4px;
  border-radius: 999px;
  letter-spacing: .005em;
  transition: background .25s var(--ease), transform .25s var(--ease), box-shadow .25s var(--ease);
}
.hdr-cta:hover {
  background: var(--accent-dark);
  transform: translateY(-1px);
  box-shadow: 0 6px 20px rgba(39, 194, 214, .3);
}
@media (max-width: 720px) {
  .hdr-cta { display: none; }
}

/* ─────────────────────────────────────────────
   HERO VISUAL ANCHOR — envelope illustration
   ───────────────────────────────────────────── */
.hero-layout {
  display: block;
  max-width: 760px;
}
.hero-anchor {
  position: relative;
  width: 100%;
  max-width: 460px;
  aspect-ratio: 4 / 5;
  justify-self: end;
}
.hero-anchor img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

/* ─────────────────────────────────────────────
   TODAY'S RATES — signature moment
   ───────────────────────────────────────────── */
.rates-section {
  padding: clamp(48px, 7vw, 80px) 0;
  background: var(--paper-deep);
  border-top: 1px solid var(--hairline);
  border-bottom: 1px solid var(--hairline);
}
.rates-head {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  flex-wrap: wrap;
  gap: 12px;
  margin-bottom: 32px;
}
.rates-eyebrow {
  font-family: var(--font);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-dark);
}
.rates-updated {
  font-family: var(--font);
  font-size: .78rem;
  font-weight: 400;
  color: var(--muted);
}
.rates-updated strong {
  color: var(--ink);
  font-weight: 600;
}
.rates-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  background: var(--card);
  border: 1px solid var(--hairline);
  border-radius: 8px;
  overflow: hidden;
}
@media (max-width: 760px) {
  .rates-grid { grid-template-columns: 1fr 1fr; }
}
.rate-cell {
  padding: 28px 24px;
  border-right: 1px solid var(--hairline);
  transition: background .25s var(--ease);
}
.rate-cell:last-child { border-right: none; }
@media (max-width: 760px) {
  .rate-cell:nth-child(2n) { border-right: none; }
  .rate-cell:nth-child(1), .rate-cell:nth-child(2) {
    border-bottom: 1px solid var(--hairline);
  }
}
.rate-cell:hover { background: var(--accent-soft); }
.rate-term {
  font-family: var(--font);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--muted);
  margin-bottom: 14px;
}
.rate-value {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(2rem, 3.6vw, 2.6rem);
  line-height: 1;
  color: var(--ink);
  letter-spacing: -.025em;
}
.rate-apr {
  font-family: var(--font);
  font-size: .78rem;
  font-weight: 500;
  color: var(--muted);
  margin-top: 8px;
}
.rate-pct {
  font-size: .55em;
  vertical-align: super;
  font-family: var(--mono);
  letter-spacing: 0;
}
.rates-disclaimer {
  margin-top: 24px;
  font-family: var(--font);
  font-size: .82rem;
  color: var(--muted);
  line-height: 1.55;
  max-width: 720px;
}
.rates-disclaimer a {
  color: var(--ink);
  border-bottom: 1px solid var(--hairline);
}

/* ─────────────────────────────────────────────
   AFTER-HOURS BANNER
   ───────────────────────────────────────────── */
.after-hours {
  display: none;
  margin-top: 32px;
  padding: 20px 24px;
  background: #fff8e6;
  border: 1px solid #f5d878;
  border-left: 3px solid var(--highlight);
  border-radius: 6px;
  font-family: var(--font);
  font-size: .94rem;
  line-height: 1.6;
  color: var(--text);
}
.after-hours.show { display: block; }
.after-hours strong {
  color: var(--ink);
  font-weight: 700;
  display: block;
  margin-bottom: 4px;
  font-family: var(--font);
  font-size: 1.02rem;
}
.after-hours em {
  font-style: normal;
  color: var(--ink);
  font-weight: 500;
  font-family: var(--font);
}
.after-hours a {
  color: var(--accent-dark);
  border-bottom: 1px solid var(--accent);
  padding-bottom: 1px;
  font-weight: 600;
  transition: color .25s;
}
.after-hours a:hover { color: var(--ink); }

/* ─────────────────────────────────────────────
   MAILER CARD on home (links to /mailer page)
   ───────────────────────────────────────────── */
.mailer-figure {
  margin: 0;
}
.mailer-figure img {
  width: 100%;
  display: block;
}
.mailer-figure figcaption {
  font-family: var(--font);
  font-size: .82rem;
  color: var(--muted);
  text-align: center;
  margin-top: 16px;
  letter-spacing: .01em;
}
.mailer-card {
  margin-top: 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 24px 28px;
  background: var(--accent-soft);
  border: 1px solid transparent;
  border-left: 3px solid var(--accent);
  border-radius: 6px;
  transition: background .25s var(--ease), transform .25s var(--ease), box-shadow .25s var(--ease);
  cursor: pointer;
}
.mailer-card:hover {
  transform: translateY(-1px);
  box-shadow: 0 8px 24px rgba(39, 194, 214, .15);
}
.mailer-card-body strong {
  display: block;
  font-family: var(--font);
  font-weight: 700;
  font-size: 1.1rem;
  color: var(--ink);
  margin-bottom: 4px;
  letter-spacing: -.015em;
}
.mailer-card-body span {
  font-family: var(--font);
  font-size: .9rem;
  color: var(--text);
  line-height: 1.55;
}
.mailer-card-arrow {
  font-family: var(--font);
  font-size: 1.4rem;
  font-weight: 400;
  color: var(--accent-dark);
  flex-shrink: 0;
  transition: transform .35s var(--ease), color .25s var(--ease);
}
.mailer-card:hover .mailer-card-arrow {
  transform: translateX(8px);
  color: var(--ink);
}

/* ─────────────────────────────────────────────
   DRAMATIC NUMBERS — section composition variety
   ───────────────────────────────────────────── */
.big-numbers {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  margin-top: 56px;
  border-top: 1px solid var(--hairline);
  border-bottom: 1px solid var(--hairline);
}
@media (max-width: 760px) {
  .big-numbers { grid-template-columns: 1fr; }
}
.big-num-cell {
  padding: 48px 32px;
  border-right: 1px solid var(--hairline);
}
.big-num-cell:last-child { border-right: none; }
@media (max-width: 760px) {
  .big-num-cell {
    border-right: none;
    border-bottom: 1px solid var(--hairline);
    padding: 32px 0;
  }
  .big-num-cell:last-child { border-bottom: none; }
}
.big-num-value {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(3.5rem, 7vw, 5.5rem);
  line-height: .95;
  letter-spacing: -.035em;
  color: var(--ink);
}
.big-num-value em {
  font-style: italic;
  color: var(--accent);
  font-weight: 400;
}
.big-num-label {
  font-family: var(--font);
  font-size: .76rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--muted);
  margin-top: 14px;
}

/* ─────────────────────────────────────────────
   WHY — vertically stacked editorial blocks
   ───────────────────────────────────────────── */
.why-stack {
  margin-top: 56px;
  display: flex;
  flex-direction: column;
}
.why-block {
  display: grid;
  grid-template-columns: 80px 1fr 1.5fr;
  gap: clamp(20px, 4vw, 56px);
  padding: 48px 0;
  border-top: 1px solid var(--hairline);
  align-items: baseline;
}
.why-block:last-child { border-bottom: 1px solid var(--hairline); }
@media (max-width: 760px) {
  .why-block {
    grid-template-columns: 1fr;
    gap: 12px;
    padding: 36px 0;
  }
}
.why-block-num {
  font-family: var(--font);
  font-size: .82rem;
  font-weight: 700;
  color: var(--accent-dark);
  letter-spacing: .04em;
}
.why-block h3 {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(1.5rem, 3vw, 2.1rem);
  line-height: 1.15;
  color: var(--ink);
  letter-spacing: -.02em;
}
.why-block h3 em {
  font-style: italic;
  color: var(--accent-dark);
  font-weight: 400;
}
.why-block p {
  font-size: 1rem;
  color: var(--text);
  line-height: 1.7;
  max-width: 520px;
}

/* ─────────────────────────────────────────────
   TEAM PREVIEW — asymmetric composition
   ───────────────────────────────────────────── */
.team-preview-grid {
  display: grid;
  grid-template-columns: 1.2fr 2fr;
  gap: clamp(24px, 4vw, 56px);
  margin-top: 56px;
  align-items: start;
}
@media (max-width: 880px) {
  .team-preview-grid { grid-template-columns: 1fr; gap: 32px; }
}
.team-feature {
  position: relative;
}
.team-feature .tm-photo {
  aspect-ratio: 4 / 5;
}
.team-feature .tm-name {
  font-size: 1.6rem;
  margin-bottom: 4px;
  margin-top: 18px;
}
.team-feature .tm-role {
  font-size: .82rem;
  margin-bottom: 14px;
}
.team-feature-quote {
  margin-top: 16px;
  font-family: var(--serif);
  font-style: italic;
  font-size: 1rem;
  line-height: 1.55;
  color: var(--text);
  border-left: 3px solid var(--accent);
  padding-left: 16px;
  max-width: 340px;
}
.team-feature-quote-attr {
  font-family: var(--font);
  font-size: .72rem;
  font-weight: 700;
  color: var(--muted);
  margin-top: 12px;
  display: block;
  letter-spacing: .12em;
  font-style: normal;
}
.team-feature-caption {
  font-family: var(--font);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  color: var(--accent-dark);
  text-transform: uppercase;
  margin-bottom: 12px;
}
.team-mini-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(14px, 2vw, 24px);
}
@media (max-width: 880px) {
  .team-mini-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 520px) {
  .team-mini-grid { grid-template-columns: repeat(2, 1fr); }
}
.team-mini-grid .tm-photo {
  aspect-ratio: 1 / 1;
}
.team-mini-grid .tm-name {
  font-size: .98rem;
  line-height: 1.2;
}
.team-mini-grid .tm-role {
  font-size: .72rem;
}
.team-mini-grid .tm-phone {
  font-size: .72rem;
}

/* ─────────────────────────────────────────────
   FOOTER — masthead style
   ───────────────────────────────────────────── */
footer {
  background: var(--ink);
  color: #fff;
  padding: 80px 0 32px;
}
footer .ft-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 56px;
  padding-bottom: 56px;
  border-bottom: 1px solid rgba(255, 255, 255, .12);
}
@media (max-width: 800px) {
  footer .ft-top { grid-template-columns: 1fr 1fr; gap: 40px; }
}
@media (max-width: 480px) {
  footer .ft-top { grid-template-columns: 1fr; }
}

.ft-brand {
  color: #fff;
  margin-bottom: 16px;
  line-height: 1;
}
.ft-brand svg {
  height: 34px;
  width: auto;
  display: block;
}
.ft-addr {
  font-family: var(--font);
  font-size: .88rem;
  font-weight: 400;
  line-height: 1.7;
  color: rgba(255, 255, 255, .65);
}
.ft-addr a {
  color: #fff;
  border-bottom: 1px solid rgba(255, 255, 255, .25);
  padding-bottom: 1px;
  transition: border-color .25s;
}
.ft-addr a:hover { border-bottom-color: var(--accent); }

.ft-col h4 {
  font-family: var(--font);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 18px;
}
.ft-col a {
  display: block;
  font-family: var(--font);
  font-size: .9rem;
  font-weight: 400;
  color: rgba(255, 255, 255, .75);
  padding: 5px 0;
  transition: color .25s;
}
.ft-col a:hover { color: #fff; }

.ft-bot {
  margin-top: 32px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-family: var(--font);
  font-size: .8rem;
  font-weight: 400;
  color: rgba(255, 255, 255, .45);
}

/* ─────────────────────────────────────────────
   PAGE HEADERS (non-home pages)
   ───────────────────────────────────────────── */
.pg-hdr {
  padding: clamp(140px, 16vw, 200px) 0 clamp(20px, 2.5vw, 28px);
  border-bottom: 1px solid var(--hairline);
}
.pg-hdr .breadcrumb {
  font-family: var(--font);
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-dark);
  margin-bottom: 24px;
}
.pg-hdr h1 {
  font-family: var(--font);
  font-weight: 700;
  font-size: clamp(2.4rem, 6.5vw, 4.8rem);
  line-height: 1.02;
  letter-spacing: -.03em;
  color: var(--ink);
  margin-bottom: 28px;
  max-width: 900px;
}
.pg-hdr h1 em {
  font-style: italic;
  color: var(--accent-dark);
  font-weight: 400;
}
.pg-hdr p {
  font-size: 1.1rem;
  color: var(--text);
  max-width: var(--col);
  line-height: 1.6;
}

/* ─────────────────────────────────────────────
   PROSE PAGES (About, etc.)
   ───────────────────────────────────────────── */
.prose {
  max-width: var(--col);
  font-size: 1.05rem;
  line-height: 1.75;
  color: var(--text);
}
.prose + .prose { margin-top: 20px; }
.prose strong { color: var(--ink); font-weight: 600; }
.prose a {
  color: var(--ink);
  border-bottom: 1px solid var(--hairline);
  padding-bottom: 1px;
  transition: border-color .25s;
}
.prose a:hover { border-bottom-color: var(--ink); }
.prose-dropcap::first-letter {
  font-family: var(--display);
  font-weight: 400;
  font-size: 4.5em;
  line-height: .85;
  float: left;
  margin: 4px 12px 0 0;
  color: var(--ink);
}

/* Info card */
.info-card {
  margin-top: 48px;
  padding: 32px;
  background: var(--card);
  border: 1px solid var(--hairline);
  font-family: var(--mono);
  font-size: .82rem;
  line-height: 1.75;
  color: var(--text);
}
.info-card strong {
  color: var(--ink);
  display: block;
  font-family: var(--display);
  font-style: italic;
  font-size: 1.15rem;
  margin-bottom: 8px;
}
.info-card a {
  color: var(--accent-dark);
  border-bottom: 1px solid var(--hairline);
}

/* ─────────────────────────────────────────────
   LOAN PROGRAMS — refinance + purchase pages
   ───────────────────────────────────────────── */
.programs {
  margin-top: 56px;
  border-top: 1px solid var(--hairline);
}
.program {
  border-bottom: 1px solid var(--hairline);
  padding: 40px 0;
  display: grid;
  grid-template-columns: 200px 1fr 1fr;
  gap: 40px;
  align-items: start;
}
@media (max-width: 800px) { .program { grid-template-columns: 1fr; gap: 16px; padding: 32px 0; } }

.program-label {
  font-family: var(--font);
  font-size: .74rem;
  font-weight: 700;
  color: var(--accent-dark);
  letter-spacing: .14em;
  text-transform: uppercase;
}
.program h3 {
  font-family: var(--font);
  font-weight: 700;
  font-size: 1.5rem;
  color: var(--ink);
  letter-spacing: -.02em;
  margin-bottom: 10px;
  line-height: 1.2;
}
.program h3 em {
  font-style: italic;
  color: var(--accent-dark);
  font-weight: 400;
}
.program p {
  font-size: .94rem;
  color: var(--text);
  line-height: 1.65;
  margin-bottom: 16px;
}
.program-feats {
  font-family: var(--font);
  font-size: .88rem;
  color: var(--text);
  line-height: 1.85;
}
.program-feats div {
  display: flex;
  align-items: flex-start;
  gap: 10px;
}
.program-feats div::before {
  content: '✓';
  color: var(--accent);
  font-weight: 700;
  flex-shrink: 0;
  margin-top: -1px;
}

/* ─────────────────────────────────────────────
   REALTORS page — partner blocks
   ───────────────────────────────────────────── */
.partner-grid {
  margin-top: 56px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(28px, 4vw, 48px);
  border-top: 1px solid var(--hairline);
  padding-top: 48px;
}
@media (max-width: 800px) { .partner-grid { grid-template-columns: 1fr; gap: 32px; padding-top: 32px; } }
.partner h3 {
  font-family: var(--display);
  font-weight: 400;
  font-style: italic;
  font-size: 1.4rem;
  color: var(--ink);
  margin-bottom: 12px;
}
.partner p { font-size: .92rem; color: var(--text); line-height: 1.65; }
.partner-num {
  font-family: var(--mono);
  font-size: .72rem;
  color: var(--accent-dark);
  letter-spacing: .08em;
  margin-bottom: 12px;
  display: block;
}

/* ─────────────────────────────────────────────
   TEAM PAGE (full)
   ───────────────────────────────────────────── */
.team-controls {
  margin-top: 32px;
  display: flex;
  gap: 24px;
  flex-wrap: wrap;
  align-items: center;
  border-bottom: 1px solid var(--hairline);
  padding-bottom: 20px;
}
.team-pill {
  font-family: var(--mono);
  font-size: .74rem;
  letter-spacing: .06em;
  text-transform: uppercase;
  color: var(--muted);
  padding: 6px 0;
  border-bottom: 1px solid transparent;
  transition: color .25s, border-color .25s;
}
.team-pill:hover { color: var(--ink); }
.team-pill.on { color: var(--ink); border-bottom-color: var(--ink); }

.team-search {
  margin-left: auto;
  flex: 0 0 220px;
}
.team-search input {
  width: 100%;
  font-family: var(--mono);
  font-size: .82rem;
  background: transparent;
  border: none;
  border-bottom: 1px solid var(--hairline);
  padding: 8px 0;
  color: var(--ink);
  outline: none;
  transition: border-color .25s;
}
.team-search input::placeholder { color: var(--muted); letter-spacing: .04em; }
.team-search input:focus { border-bottom-color: var(--ink); }
@media (max-width: 560px) { .team-search { margin-left: 0; width: 100%; } }

.team-label {
  font-family: var(--mono);
  font-size: .72rem;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent-dark);
  padding-bottom: 16px;
  margin-top: 56px;
  margin-bottom: 20px;
  border-bottom: 1px solid var(--hairline);
}
.team-label:first-of-type { margin-top: 48px; }
.team-empty {
  font-family: var(--display);
  font-style: italic;
  font-size: 1.15rem;
  color: var(--muted);
  padding: 32px 0;
}

/* ─────────────────────────────────────────────
   FAQ
   ───────────────────────────────────────────── */
.faq-list { margin-top: 48px; max-width: 820px; }
.faq {
  border-top: 1px solid var(--hairline);
}
.faq:last-child { border-bottom: 1px solid var(--hairline); }
.faq-q {
  width: 100%;
  text-align: left;
  font-family: var(--font);
  font-weight: 600;
  font-size: 1.15rem;
  line-height: 1.35;
  color: var(--ink);
  padding: 24px 48px 24px 0;
  position: relative;
  letter-spacing: -.015em;
  transition: color .25s;
}
.faq-q:hover { color: var(--accent-dark); }
.faq-q::after {
  content: '';
  position: absolute;
  right: 4px;
  top: 50%;
  width: 14px; height: 1.5px;
  background: var(--accent-dark);
  transition: transform .35s var(--ease);
}
.faq-q::before {
  content: '';
  position: absolute;
  right: 4px;
  top: 50%;
  width: 14px; height: 1.5px;
  background: var(--accent-dark);
  transform: rotate(90deg);
  transition: transform .35s var(--ease), opacity .35s var(--ease);
}
.faq.open .faq-q::before { transform: rotate(0); opacity: 0; }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height .5s var(--ease-io);
}
.faq.open .faq-a { max-height: 1200px; }
.faq-a-inner {
  padding: 0 0 32px;
  font-size: 1rem;
  line-height: 1.7;
  color: var(--text);
  max-width: 680px;
}

/* Careers list */
.careers-list { margin-top: 32px; }
.careers-list h3 {
  font-family: var(--display);
  font-style: italic;
  font-size: 1.5rem;
  color: var(--ink);
  margin: 32px 0 16px;
}
.careers-list ul { padding-left: 0; }
.careers-list li {
  font-size: 1rem;
  color: var(--text);
  padding: 6px 0 6px 24px;
  position: relative;
  line-height: 1.6;
}
.careers-list li::before {
  content: '—';
  position: absolute;
  left: 0;
  color: var(--accent);
}

/* Mobile bar */
.mob-bar {
  display: none;
  position: fixed;
  bottom: 0; left: 0; right: 0;
  z-index: 49;
  background: rgba(255, 255, 255, .97);
  backdrop-filter: saturate(140%) blur(10px);
  -webkit-backdrop-filter: saturate(140%) blur(10px);
  border-top: 1px solid var(--hairline);
  padding: 12px var(--gut);
  box-shadow: 0 -4px 16px rgba(21, 35, 61, .06);
}
.mob-bar-inner {
  display: flex;
  gap: 12px;
  align-items: center;
  justify-content: space-between;
}
.mob-bar a {
  font-family: var(--font);
  font-size: .9rem;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -.005em;
  display: inline-flex;
  align-items: center;
  gap: 7px;
}
.mob-bar a::before {
  content: '';
  width: 7px; height: 7px;
  background: var(--accent);
  border-radius: 50%;
  display: inline-block;
  flex-shrink: 0;
}
.mob-bar a.apply {
  background: var(--accent);
  color: #fff;
  padding: 10px 20px;
  border-radius: 999px;
  font-size: .9rem;
  font-weight: 600;
  transition: background .25s var(--ease);
}
.mob-bar a.apply::before { display: none; }
.mob-bar a.apply:hover { background: var(--accent-dark); }
@media (max-width: 720px) {
  .mob-bar { display: block; }
  body { padding-bottom: 64px; }
}
/* ─────────────────────────────────────────────
   START — branded application interstitial (/start)
   ───────────────────────────────────────────── */
.start-ref {
  display: flex; flex-wrap: wrap; align-items: baseline; gap: 6px 14px;
  background: var(--accent-soft);
  border: 1px solid var(--accent);
  border-radius: 10px;
  padding: 16px 20px;
  margin-bottom: 40px;
}
.start-ref-label { font-size: .8rem; font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--accent-dark); }
.start-ref-value { font-size: 1.15rem; font-weight: 700; color: var(--ink); font-variant-numeric: tabular-nums; }
.start-ref-note { font-size: .9rem; color: var(--text); flex-basis: 100%; }

.start-pillars {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px;
  margin-bottom: 48px;
}
.start-pillar { border-top: 2px solid var(--ink); padding-top: 20px; }
.start-pillar-num { font-size: .85rem; font-weight: 700; letter-spacing: .1em; color: var(--accent-dark); margin-bottom: 10px; }
.start-pillar h3 { font-size: 1.15rem; font-weight: 700; color: var(--ink); margin: 0 0 8px; line-height: 1.25; }
.start-pillar p { font-size: .97rem; line-height: 1.6; color: var(--text); margin: 0; }

.start-actions { text-align: center; margin: 8px 0 56px; }
.start-pillars { margin-top: 8px; }
.start-continue {
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--ink); color: #fff;
  font-weight: 600; font-size: 1.05rem;
  padding: 18px 36px; border-radius: 10px;
  text-decoration: none;
  transition: background .25s var(--ease), transform .25s var(--ease);
}
.start-continue:hover { background: var(--accent-dark); transform: translateY(-2px); }
.start-or { margin-top: 18px; font-size: .95rem; color: var(--muted); }
.start-or a { color: var(--ink); font-weight: 600; border-bottom: 1px solid var(--hairline); }

.start-verify { border-top: 1px solid var(--hairline); padding-top: 36px; }
.start-secure {
  margin-top: 28px; font-size: .9rem; color: var(--muted);
  display: flex; align-items: center; gap: 8px; justify-content: center; text-align: center;
}
.start-lock { font-size: 1rem; }

@media (max-width: 800px) {
  .start-pillars { grid-template-columns: 1fr; gap: 28px; }
}
@media (max-width: 480px) {
  .start-continue { width: 100%; justify-content: center; padding: 16px 24px; }
}

/* ─────────────────────────────────────────────
   ARIVE HANDOFF — transition overlay before the Arive application
   ───────────────────────────────────────────── */
.arive-handoff {
  position: fixed; inset: 0; z-index: 9999;
  display: flex; align-items: center; justify-content: center;
  background: rgba(21, 35, 61, 0.72);          /* --ink at 72% */
  backdrop-filter: blur(6px); -webkit-backdrop-filter: blur(6px);
  opacity: 0; visibility: hidden;
  transition: opacity .45s var(--ease), visibility .45s var(--ease);
}
.arive-handoff.show { opacity: 1; visibility: visible; }
body.arive-handoff-lock { overflow: hidden; }

.arive-handoff-card {
  background: var(--paper); color: var(--ink);
  border-radius: 16px;
  padding: 44px 40px 36px;
  width: min(420px, calc(100vw - 48px));
  text-align: center;
  box-shadow: 0 24px 60px rgba(21,35,61,.32);
  transform: translateY(12px) scale(.98);
  transition: transform .5s var(--ease);
}
.arive-handoff.show .arive-handoff-card { transform: translateY(0) scale(1); }

.arive-handoff-spinner {
  width: 38px; height: 38px; margin: 0 auto 22px;
  border: 3px solid var(--accent-soft);
  border-top-color: var(--accent);
  border-radius: 50%;
  animation: arive-spin .8s linear infinite;
}
@keyframes arive-spin { to { transform: rotate(360deg); } }

.arive-handoff-title { font-size: 1.18rem; font-weight: 700; line-height: 1.3; }
.arive-handoff-sub { margin-top: 6px; font-size: .95rem; color: var(--muted); }
.arive-handoff-trust {
  margin-top: 20px; padding-top: 18px;
  border-top: 1px solid var(--hairline);
  font-size: .82rem; font-weight: 500; letter-spacing: .02em; color: var(--text);
}
.arive-handoff-now {
  display: inline-block; margin-top: 18px;
  font-size: .92rem; font-weight: 600; color: var(--ink);
  border-bottom: 1px solid var(--hairline);
  transition: color .2s var(--ease), border-color .2s var(--ease);
}
.arive-handoff-now:hover { color: var(--accent-dark); border-color: var(--accent); }

@media (prefers-reduced-motion: reduce) {
  .arive-handoff, .arive-handoff-card { transition: none; }
  .arive-handoff-spinner { animation: none; }
}