/* ============ MAINSTREET MORTGAGE — LANDING PAGE
   Direction: Classic Vertical · Palette: Logo (blue + orange)
   ============================================================ */

:root {
  /* Logo palette */
  --paper: #fafbfc;
  --paper-2: #eef1f5;
  --paper-3: #ffffff;
  --ink: #1f2733;
  --ink-2: #4a5464;
  --ink-3: #8791a0;
  --line: #d2d8e0;
  --line-2: #e5e9ef;
  --accent: #2d79b5;       /* Mainstreet blue */
  --accent-hover: #1f5f94;
  --accent-soft: #e3eef8;
  --accent-deep: #184773;
  --warm: #ea9a3c;         /* Mainstreet orange */
  --warm-soft: #fbeddb;
  --warm-deep: #b87425;

  --shadow-sm: 0 1px 2px rgba(24, 71, 115, .06);
  --shadow: 0 1px 2px rgba(24, 71, 115, .06), 0 8px 24px rgba(24, 71, 115, .08);
  --shadow-lg: 0 2px 4px rgba(24, 71, 115, .08), 0 24px 60px rgba(24, 71, 115, .12);

  --font-display: 'Instrument Serif', Georgia, serif;
  --font-ui: 'Inter', system-ui, -apple-system, sans-serif;

  --radius: 8px;
  --radius-sm: 6px;
  --radius-lg: 12px;

  --container: 1200px;
  --container-narrow: 960px;
}

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

html { scroll-behavior: smooth; }
body {
  background: var(--paper);
  color: var(--ink);
  font-family: var(--font-ui);
  font-size: 16px;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  font-feature-settings: "ss01", "cv11";
}

a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: none; background: none; color: inherit; }
input, select { font: inherit; color: inherit; }

/* ============ LAYOUT HELPERS ============ */
.container {
  max-width: var(--container);
  margin-inline: auto;
  padding-inline: clamp(20px, 4vw, 40px);
}
.container-narrow {
  max-width: var(--container-narrow);
  margin-inline: auto;
  padding-inline: clamp(20px, 4vw, 40px);
}

.eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent);
}

.h-display {
  font-family: var(--font-display);
  font-weight: 400;
  font-style: italic;
  letter-spacing: -.015em;
  line-height: 1.08;
  color: var(--ink);
  text-wrap: pretty;
}
.h-xl { font-size: clamp(40px, 5vw, 60px); }
.h-lg { font-size: clamp(32px, 4vw, 44px); }
.h-md { font-size: clamp(24px, 3vw, 32px); }

.body-lg { font-size: 18px; line-height: 1.6; color: var(--ink-2); }
.body { font-size: 15px; line-height: 1.6; color: var(--ink-2); }
.body-sm { font-size: 13px; line-height: 1.55; color: var(--ink-2); }
.micro { font-size: 12px; line-height: 1.5; color: var(--ink-3); }

/* ============ BUTTONS ============ */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 22px;
  border-radius: var(--radius-sm);
  background: var(--accent);
  color: #fff;
  font-weight: 600;
  font-size: 15px;
  letter-spacing: -.005em;
  transition: background .15s ease, transform .05s ease, box-shadow .15s ease;
  box-shadow: 0 1px 0 rgba(24, 71, 115, .4), 0 4px 12px rgba(45, 121, 181, .25);
  cursor: pointer;
}
.btn:hover { background: var(--accent-hover); box-shadow: 0 1px 0 rgba(24, 71, 115, .4), 0 6px 16px rgba(45, 121, 181, .35); }
.btn:active { transform: translateY(1px); }
.btn.sm { padding: 8px 14px; font-size: 13px; }
.btn.lg { padding: 16px 28px; font-size: 16px; }
.btn.full { width: 100%; }
.btn.ghost {
  background: transparent;
  color: var(--accent);
  border: 1.5px solid var(--accent);
  box-shadow: none;
}
.btn.ghost:hover { background: var(--accent-soft); box-shadow: none; }
.btn.warm {
  background: var(--warm);
  box-shadow: 0 1px 0 rgba(184, 116, 37, .4), 0 4px 12px rgba(234, 154, 60, .3);
}
.btn.warm:hover { background: var(--warm-deep); }

.btn .arrow { transition: transform .2s ease; }
.btn:hover .arrow { transform: translateX(3px); }

/* ============ BREATHING ANIMATION ============ */
@keyframes breathing {
  0%, 100% { opacity: 1; transform: scale(1); }
  50% { opacity: 0.8; transform: scale(1.02); }
}

.breathing {
  animation: breathing 2.5s ease-in-out infinite;
}

.btn-schedule-advisor {
  display: block;
  width: 100%;
  padding: 20px 28px;
  font-size: 18px;
  font-weight: 600;
  background: var(--accent);
  color: #fff;
  border-radius: var(--radius);
  margin-top: 40px;
  margin-bottom: 0;
  box-shadow: 0 1px 0 rgba(24, 71, 115, .4), 0 4px 12px rgba(45, 121, 181, .25);
  transition: background .15s ease, box-shadow .15s ease;
  cursor: pointer;
}

.btn-schedule-advisor:hover {
  background: var(--accent-hover);
  box-shadow: 0 1px 0 rgba(24, 71, 115, .4), 0 6px 16px rgba(45, 121, 181, .35);
  animation: none;
}

/* ============ HEADER / NAV ============ */
.site-head {
  position: sticky;
  top: 0;
  z-index: 40;
  background: rgba(250, 251, 252, .88);
  backdrop-filter: saturate(1.4) blur(10px);
  -webkit-backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid var(--line-2);
}
.nav {
  display: flex;
  align-items: center;
  gap: 28px;
  padding: 14px 0;
}
.brand-lockup {
  display: flex;
  align-items: center;
  gap: 14px;
}
.brand-text-lockup {
  display: flex;
  align-items: baseline;
  gap: 7px;
  text-decoration: none;
  font-family: var(--font-display);
  font-style: italic;
  line-height: 1;
}
.brand-text-primary {
  font-size: 20px;
  color: var(--ink);
  letter-spacing: -.01em;
}
.brand-text-amp {
  font-size: 15px;
  color: var(--ink-3);
}
.brand-text-partner {
  font-size: 20px;
  color: var(--accent);
  letter-spacing: -.01em;
}
.nav-links {
  display: flex;
  gap: 24px;
  margin-left: auto;
}
.nav-links a {
  font-size: 14px;
  color: var(--ink-2);
  font-weight: 500;
  transition: color .15s ease;
}
.nav-links a:hover { color: var(--ink); }
.nav-call {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 14px;
  font-weight: 600;
  color: var(--accent);
}
.nav-call .phone-icon {
  width: 16px; height: 16px;
}
.nav-mobile-toggle { display: none; }

@media (max-width: 880px) {
  .nav-links, .brand-text-amp, .brand-text-partner, .nav-call span:not(.phone-icon) { display: none; }
  .nav { gap: 14px; }
}

@media (max-width: 768px) {
  .nav {
    justify-content: center;
  }
  .brand-lockup {
    flex: 1;
    justify-content: center;
  }
  .nav-call {
    position: absolute;
    right: 20px;
  }
}

/* ============ HERO ============ */
.hero {
  padding: clamp(40px, 6vw, 72px) 0 clamp(60px, 8vw, 100px);
  position: relative;
  overflow: hidden;
}
.hero-bg-deco {
  position: absolute;
  inset: 0;
  pointer-events: none;
  background:
    radial-gradient(ellipse 60% 40% at 85% 0%, rgba(234, 154, 60, .1), transparent 60%),
    radial-gradient(ellipse 50% 40% at 0% 100%, rgba(45, 121, 181, .07), transparent 60%);
  z-index: 0;
}
.hero-bg-deco::before {
  content: "";
  position: absolute;
  top: 0; right: 0;
  width: 340px; height: 340px;
  background-image:
    radial-gradient(circle, var(--ink-3) 1px, transparent 1.5px);
  background-size: 16px 16px;
  opacity: .12;
  mask-image: radial-gradient(ellipse at top right, #000 10%, transparent 70%);
  -webkit-mask-image: radial-gradient(ellipse at top right, #000 10%, transparent 70%);
}
.hero .container { position: relative; z-index: 1; }

.cosponsor-band {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  padding: 10px 16px 10px 14px;
  background: var(--warm-soft);
  border: 1px solid rgba(184, 116, 37, .25);
  border-radius: 999px;
  margin-bottom: 32px;
  font-size: 13px;
  color: var(--warm-deep);
}
.cosponsor-band .pw-label {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 15px;
  letter-spacing: -.005em;
}
.cosponsor-band .dot-sep {
  width: 3px; height: 3px;
  border-radius: 50%;
  background: var(--warm-deep);
  opacity: .4;
}
.cosponsor-band .partner {
  font-weight: 600;
  color: var(--warm-deep);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: clamp(32px, 5vw, 64px);
  align-items: center;
}
@media (max-width: 960px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
}

@media (max-width: 768px) {
  .hero-grid {
    display: flex;
    flex-direction: column;
  }
  .hero-copy {
    max-width: 100%;
    text-align: center;
  }
  .hero-copy h1 {
    font-size: clamp(28px, 5vw, 48px);
    margin-bottom: 24px;
  }
  .hero-copy .lead {
    max-width: 100%;
    margin-bottom: 32px;
    font-size: 16px;
  }
  .cta-stack {
    align-items: center;
  }
  .cta-promise {
    display: block;
    width: 100%;
    font-size: clamp(20px, 2.2vw, 26px);
    text-align: center;
  }
  .cta-note-inline {
    display: none !important;
  }
  .hero-bylines {
    gap: 20px;
    justify-content: center;
    margin-top: 32px;
  }
  .byline {
    align-items: center;
  }
  .byline .v {
    font-size: 24px;
  }
  .hero-btn {
    margin-top: 28px;
    width: 100%;
  }
  .calc {
    margin-top: 40px;
    width: 100%;
  }
}

.hero-copy { max-width: 560px; }
.hero-copy .eyebrow { margin-bottom: 20px; display: block; }
.hero-copy h1 { margin-bottom: 20px; }
.hero-copy h1 em {
  font-style: italic;
  color: var(--accent);
  font-family: var(--font-display);
}
.hero-copy .lead {
  margin-bottom: 20px;
  max-width: 500px;
}
}
.hero-cta-row {
  display: flex;
  flex-direction: column;
  align-items: stretch;
  gap: 18px;
}
.hero-btn {
  margin-top: 20px;
}
.cta-stack {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
}
.cta-promise {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(22px, 2.4vw, 28px);
  line-height: 1.15;
  color: var(--ink);
  letter-spacing: -.012em;
  padding-left: 0;
}
.btn.full-row {
  width: 100%;
  justify-content: center;
}
.cta-note-inline {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-family: var(--font-ui);
  font-style: normal;
  font-size: 13.5px;
  font-weight: 600;
  letter-spacing: -.005em;
  color: var(--accent);
  background: rgba(45, 121, 181, .08);
  padding: 4px 10px 4px 8px;
  border-radius: 999px;
  vertical-align: middle;
  margin-left: 6px;
  white-space: nowrap;
  position: relative;
  top: -2px;
}
.cta-note-inline .check {
  width: 13px; height: 13px;
  color: var(--accent);
}

.hero-bylines {
  display: flex;
  gap: 32px;
  margin-top: 24px;
  flex-wrap: wrap;
}
.byline {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.byline .k {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.byline .v {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 20px;
  color: var(--ink);
  line-height: 1.1;
}
.byline .v .suffix {
  font-family: var(--font-ui);
  font-style: normal;
  font-size: 13px;
  color: var(--ink-2);
  margin-left: 4px;
}

/* ============ CALCULATOR ============ */
.calc {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
  overflow: hidden;
  position: relative;
}
.calc-head {
  padding: 22px 26px 18px;
  background: linear-gradient(180deg, var(--paper-2) 0%, #fff 100%);
  border-bottom: 1px solid var(--line-2);
}
.calc-head h3 {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 400;
  font-size: 24px;
  color: var(--ink);
  line-height: 1.1;
  margin-bottom: 4px;
}
.calc-head .sub {
  font-size: 12.5px;
  color: var(--ink-3);
  display: flex;
  align-items: center;
  gap: 8px;
}
.calc-head .sub .pill {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 2px 8px;
  background: var(--accent-soft);
  color: var(--accent-deep);
  border-radius: 999px;
  font-weight: 600;
  font-size: 10.5px;
  letter-spacing: .05em;
  text-transform: uppercase;
}
.calc-body {
  padding: 20px 26px 22px;
}
.calc-fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 14px;
}
.calc-group {
  grid-column: span 2;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--ink-3);
  padding-top: 8px;
  display: flex;
  align-items: center;
  gap: 8px;
}
.calc-group:not(:first-child) {
  padding-top: 14px;
  border-top: 1px dashed var(--line-2);
  margin-top: 2px;
}
.calc-group .dot {
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--accent);
}
.calc-group.warm .dot { background: var(--warm); }

.field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.field.full { grid-column: span 2; }
.field label {
  font-size: 11.5px;
  font-weight: 600;
  color: var(--ink-2);
  letter-spacing: -.005em;
}
.field .input-wrap {
  position: relative;
}
.field .input-prefix,
.field .input-suffix {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  color: var(--ink-3);
  font-size: 14px;
  font-weight: 500;
  pointer-events: none;
}
.field .input-prefix { left: 12px; }
.field .input-suffix { right: 12px; }

.field input {
  width: 100%;
  height: 40px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  background: #fff;
  padding: 0 14px;
  font-size: 14px;
  font-weight: 500;
  color: var(--ink);
  transition: border-color .15s ease, box-shadow .15s ease, background .15s ease;
  font-variant-numeric: tabular-nums;
}
.field input.has-prefix { padding-left: 26px; }
.field input.has-suffix { padding-right: 30px; }
.field input:hover { border-color: var(--ink-3); }
.field input:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-soft);
}
.field input::placeholder { color: var(--ink-3); font-weight: 400; }
.field input:disabled {
  background: var(--paper-2);
  border-color: var(--line-2);
  color: var(--ink-3);
  cursor: not-allowed;
}
.field input:disabled:hover { border-color: var(--line-2); }

.calc-result {
  margin-top: 20px;
  padding: 16px 18px 12px;
  background: linear-gradient(135deg, var(--accent-soft) 0%, #f4f8fc 100%);
  border: 1.5px solid var(--accent);
  border-radius: var(--radius);
  position: relative;
  overflow: hidden;
}
.calc-result::before {
  content: "";
  position: absolute;
  top: -40px; right: -40px;
  width: 120px; height: 120px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(234, 154, 60, .18) 0%, transparent 70%);
  pointer-events: none;
}

/* Hero — the new monthly payment.
   Layout: left column = label + figure + saved-line stacked.
           right column = the strikethrough "down from" pill, top-aligned. */
.calc-hero {
  position: relative;
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: start;
  column-gap: 14px;
  row-gap: 2px;
  padding-bottom: 12px;
  margin-bottom: 10px;
  border-bottom: 1px dashed rgba(45, 121, 181, .3);
}
.ch-eyebrow {
  grid-column: 1;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent-deep);
}
.ch-pill {
  grid-column: 2;
  grid-row: 1;
  align-self: start;
  margin-top: 1px;
  display: inline-flex;
  align-items: baseline;
  gap: 5px;
  font-size: 11px;
  font-weight: 600;
  color: var(--ink-3);
  font-feature-settings: "tnum";
  font-family: 'SF Mono', 'Menlo', monospace;
  white-space: nowrap;
  text-align: right;
}
.ch-pill-k {
  text-transform: uppercase;
  letter-spacing: .08em;
  font-size: 9.5px;
  color: var(--ink-3);
}
.ch-pill-u {
  font-size: 9.5px;
  color: var(--ink-3);
  margin-left: -2px;
}
.ch-pill #r-current {
  color: var(--ink-2);
  text-decoration: line-through;
  text-decoration-color: rgba(120,90,60,.55);
  text-decoration-thickness: 1.5px;
  font-size: 13px;
}
.calc-hero-figure {
  grid-column: 1 / -1;
  display: flex;
  align-items: baseline;
  gap: 10px;
  flex-wrap: wrap;
  line-height: 1;
  margin-top: 2px;
}
.ch-amount {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 42px;
  color: var(--warm-deep);
  font-variant-numeric: tabular-nums;
  line-height: 1;
}
.ch-unit {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 17px;
  color: var(--warm-deep);
  opacity: .65;
  margin-left: -3px;
  margin-right: 10px;
}
/* "$520 saved/mo" — promoted inline next to the headline figure */
.calc-hero-savings {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  padding: 4px 10px;
  background: rgba(234, 154, 60, .14);
  border-radius: 999px;
  font-feature-settings: "tnum";
  align-self: center;
  white-space: nowrap;
  line-height: 1;
}
.chs-amount {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 15px;
  font-weight: 600;
  color: var(--warm-deep);
  line-height: 1;
}
.chs-sub {
  font-size: 10.5px;
  color: var(--ink-2);
  letter-spacing: .01em;
  line-height: 1;
}
.chs-arrow {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 14px; height: 14px;
  border-radius: 50%;
  background: var(--warm);
  color: #fff;
  font-size: 9px;
  font-weight: 800;
  line-height: 1;
  transform: translateY(1px);
}

/* Supporting stats — debt-free + total interest saved */
.calc-stats {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px 14px;
  padding-bottom: 10px;
  margin-bottom: 10px;
  border-bottom: 1px dashed rgba(45, 121, 181, .3);
}
.calc-stat {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.cs-k {
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--accent-deep);
}
.cs-v {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 22px;
  color: var(--accent-deep);
  line-height: 1.05;
  font-variant-numeric: tabular-nums;
}
.cs-sub {
  font-size: 10.5px;
  color: var(--ink-3);
  font-feature-settings: "tnum";
  line-height: 1.3;
}

/* Rate strip — de-emphasized, single horizontal line */
.calc-rate-strip {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding-top: 2px;
  font-feature-settings: "tnum";
  flex-wrap: wrap;
}
.crs-item {
  display: inline-flex;
  align-items: baseline;
  gap: 5px;
  white-space: nowrap;
}
.crs-k {
  font-size: 10px;
  font-weight: 600;
  color: var(--ink-3);
  letter-spacing: .04em;
  text-transform: uppercase;
}
.crs-v {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 14px;
  color: var(--ink-2);
  font-variant-numeric: tabular-nums;
}
.crs-v.accent { color: var(--warm-deep); font-weight: 600; }
.crs-sep {
  font-size: 12px;
  color: var(--ink-3);
  opacity: .6;
}

/* Sub-label hint inside field labels (e.g. "— APR") */
.lbl-hint {
  font-weight: 500;
  color: var(--ink-3);
  letter-spacing: 0;
  text-transform: none;
  font-size: 10px;
  margin-left: 2px;
}

/* Inline note under credit-card field */
.field-note {
  grid-column: span 2;
  display: flex;
  align-items: center;
  gap: 8px;
  margin-top: -4px;
  padding: 8px 10px;
  background: rgba(234, 154, 60, .08);
  border-left: 2px solid var(--warm);
  border-radius: 4px;
  font-size: 11.5px;
  color: var(--ink-2);
  font-family: 'SF Mono', 'Menlo', monospace;
  font-feature-settings: "tnum";
}
.field-note .fn-icon {
  color: var(--warm-deep);
  font-size: 13px;
  font-weight: 700;
}
.field-note strong {
  color: var(--warm-deep);
  font-weight: 700;
}

/* Payoff note inside blue result box */
.calc-payoff-note {
  display: flex;
  align-items: center;
  gap: 7px;
  margin-bottom: 14px;
  padding: 7px 10px;
  background: rgba(255,255,255,0.18);
  border-radius: 6px;
  font-size: 11.5px;
  color: rgba(24,71,115,0.75);
  font-family: 'Inter', sans-serif;
}
.calc-payoff-note .fn-icon {
  font-size: 13px;
  opacity: 0.7;
}
.calc-payoff-note strong {
  color: var(--warm-deep);
  font-weight: 700;
}

.calc-disclosure {
  margin-top: 14px;
  font-size: 11px;
  line-height: 1.5;
  color: var(--ink-3);
  font-family: 'SF Mono', 'Menlo', monospace;
  font-feature-settings: "tnum";
}
.calc-disclosure-footer {
  padding: 14px 26px 16px;
  border-top: 1px solid var(--line-2);
  background: var(--paper-2);
  font-size: 11.5px;
  line-height: 1.45;
  color: var(--ink-3);
  font-style: italic;
  font-family: var(--font-display);
  text-align: center;
}

/* ============ SECTION BASE ============ */
.section {
  padding: clamp(56px, 8vw, 96px) 0;
}
.section-head {
  max-width: 720px;
  margin-bottom: 56px;
  display: grid;
  grid-template-columns: 72px 1fr;
  gap: 0 28px;
  align-items: start;
}
.section-num {
  grid-row: span 3;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 56px;
  line-height: .9;
  color: var(--warm);
  position: relative;
  padding-top: 4px;
}
.section-num::after {
  content: "";
  position: absolute;
  left: 2px;
  bottom: -10px;
  width: 36px;
  height: 2px;
  background: var(--warm);
}
.section-head .eyebrow { grid-column: 2; display: block; margin-bottom: 14px; }
.section-head h2 { grid-column: 2; margin-bottom: 16px; }
.section-head .lead { grid-column: 2; max-width: 560px; }
.section-head.no-num { grid-template-columns: 1fr; }
.section-head.no-num .eyebrow,
.section-head.no-num h2,
.section-head.no-num .lead { grid-column: 1; }
@media (max-width: 640px) {
  .section-head { grid-template-columns: 1fr; gap: 12px; }
  .section-num { font-size: 40px; }
  .section-num::after { width: 28px; bottom: -4px; }
  .section-head .eyebrow, .section-head h2, .section-head .lead { grid-column: 1; }
}

/* ============ RATE COMPARISON CHART ============ */
.rate-chart {
  margin: 36px 0 28px;
  padding: 28px 28px 24px;
  background: var(--paper);
  border: 1px solid var(--line-2);
  border-radius: 6px;
  display: grid;
  grid-template-columns: minmax(0, 1fr) 160px;
  grid-template-rows: auto auto;
  column-gap: 36px;
  row-gap: 20px;
  align-items: center;
}
.rate-chart-cap {
  grid-column: 1 / -1;
  grid-row: 1;
  display: flex;
  align-items: center;
  gap: 14px;
  margin: 0;
}
.rate-bars {
  grid-column: 1;
  grid-row: 2;
  min-width: 0;
  display: grid;
  gap: 28px;
  padding-top: 14px;
}
.rate-delta {
  grid-column: 2;
  grid-row: 2;
}
@media (max-width: 720px) {
  .rate-chart {
    grid-template-columns: 1fr;
    grid-template-rows: auto auto auto;
    padding: 22px 18px 18px;
  }
  .rate-bars { grid-column: 1; grid-row: 2; }
  .rate-delta { grid-column: 1; grid-row: 3; }
}
.rcc-eyebrow {
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--ink-3);
  white-space: nowrap;
}
.rcc-rule {
  flex: 1;
  height: 1px;
  background: var(--line-2);
}
.rate-bar {
  display: grid;
  grid-template-columns: 130px minmax(0, 1fr) 70px;
  align-items: center;
  gap: 16px;
}
@media (max-width: 560px) {
  .rate-bar { grid-template-columns: 90px minmax(0, 1fr) 56px; gap: 10px; }
}
.rb-label {
  font-size: 12px;
  font-weight: 600;
  color: var(--ink-2);
  letter-spacing: -.005em;
}
.rate-bar.after .rb-label { color: var(--accent); }
.rb-track {
  position: relative;
  height: 28px;
  background: var(--paper-2);
  border-radius: 2px;
  overflow: visible;
}
.rb-fill {
  position: absolute;
  inset: 0 auto 0 0;
  width: var(--pct);
  border-radius: 2px;
  background: repeating-linear-gradient(
    -45deg,
    var(--ink-3) 0 1.5px,
    transparent 1.5px 6px
  );
  border: 1px solid var(--ink-3);
  opacity: .7;
}
.rate-bar.after .rb-fill {
  background: linear-gradient(90deg, var(--accent) 0%, var(--accent-hover) 100%);
  border-color: var(--accent-deep);
  opacity: 1;
  box-shadow: inset 0 1px 0 rgba(255,255,255,.15);
}
.rb-tick {
  position: absolute;
  left: var(--at);
  top: -4px;
  bottom: -4px;
  width: 1.5px;
  background: var(--ink-2);
}
.rb-tick::after {
  content: attr(data-lbl);
  position: absolute;
  top: -16px;
  left: 50%;
  transform: translateX(-50%);
  font-family: 'SF Mono', monospace;
  font-size: 9px;
  letter-spacing: .04em;
  color: var(--ink-3);
  white-space: nowrap;
}
@media (max-width: 720px) {
  .rb-tick::after { display: none; }
}
.rb-value {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 22px;
  color: var(--ink);
  letter-spacing: -.02em;
  text-align: right;
  font-variant-numeric: tabular-nums;
}
.rate-bar.after .rb-value { color: var(--accent); }

.rate-delta {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  text-align: center;
  padding: 18px 12px 16px;
  background: linear-gradient(180deg, rgba(234,154,60,.08), rgba(234,154,60,.03));
  border: 1px solid rgba(234,154,60,.3);
  border-radius: 4px;
}
.rd-arrow {
  display: block;
  font-family: var(--font-display);
  font-size: 26px;
  color: var(--warm-deep);
  line-height: 1;
  margin-bottom: 6px;
}
.rd-amount {
  display: block;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 19px;
  color: var(--ink);
  letter-spacing: -.01em;
  line-height: 1.15;
  margin-bottom: 8px;
}
.rd-sub {
  display: block;
  font-size: 9px;
  letter-spacing: .1em;
  color: var(--ink-3);
  text-transform: uppercase;
  font-weight: 700;
  line-height: 1.35;
  max-width: 110px;
}

/* ============ PULL QUOTE BREAK ============ */
.pull-break {
  padding: clamp(48px, 7vw, 88px) 0;
  background: var(--paper);
  border-block: 1px solid var(--line-2);
  position: relative;
}
.pull-break::before, .pull-break::after {
  content: "";
  position: absolute;
  left: 50%;
  width: 1px;
  height: 28px;
  background: var(--warm);
  transform: translateX(-50%);
}
.pull-break::before { top: -1px; }
.pull-break::after { bottom: -1px; }
.pull-break .container { max-width: 920px; text-align: center; }
.pull-break .ornament {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 14px;
  margin-bottom: 28px;
  color: var(--warm);
}
.pull-break .ornament-line {
  width: 60px;
  height: 1px;
  background: currentColor;
  opacity: .5;
}
.pull-break .ornament-mark {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 20px;
  color: var(--warm-deep);
}
.pull-quote {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(26px, 3.4vw, 40px);
  line-height: 1.25;
  color: var(--ink);
  letter-spacing: -.015em;
  text-wrap: balance;
  margin: 0 0 20px;
}
.pull-quote::before, .pull-quote::after {
  font-family: var(--font-display);
  color: var(--warm);
  font-style: italic;
}
.pull-attrib {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.pull-attrib em {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 400;
  letter-spacing: .02em;
  text-transform: none;
  color: var(--ink-2);
  font-size: 14px;
}
.trust-strip {
  padding: clamp(36px, 5vw, 56px) 0;
  background: #fff;
  border-block: 1px solid var(--line-2);
}
.trust-strip .container {
  display: grid;
  grid-template-columns: 140px 1fr;
  gap: clamp(32px, 5vw, 56px);
  align-items: center;
}
@media (max-width: 720px) {
  .trust-strip .container {
    grid-template-columns: 1fr;
    gap: 24px;
    text-align: center;
  }
  .book-slot {
    display: flex;
    flex-direction: column;
    align-items: center;
    margin: 0 auto;
  }
  .book-cover {
    max-width: 200px;
    height: auto;
    display: block;
  }
  .book-caption {
    text-align: center;
  }
  .byline-meta {
    justify-content: center;
  }
}

/* book cover slot */
.book-slot {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 12px;
}
.book-cover {
  width: 140px;
  height: auto;
  aspect-ratio: 2 / 3;
  object-fit: cover;
  border-radius: 2px;
  box-shadow:
    0 1px 2px rgba(24, 71, 115, .12),
    0 12px 28px rgba(24, 71, 115, .18);
  display: block;
}
.book-ph {
  width: 140px;
  height: 200px;
  border: 1.5px dashed var(--line);
  border-radius: 2px;
  background:
    repeating-linear-gradient(135deg, transparent 0 8px, var(--paper-2) 8px 10px);
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 6px;
  color: var(--ink-3);
  font-family: 'SF Mono', 'Menlo', monospace;
  text-align: center;
}
.book-ph-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .15em;
  line-height: 1.3;
  color: var(--ink-2);
}
.book-ph-caption {
  font-size: 9.5px;
  letter-spacing: .05em;
}
.book-caption {
  font-family: var(--font-display);
  font-size: 14px;
  line-height: 1.25;
  color: var(--ink-2);
  max-width: 140px;
}
.book-caption em {
  font-style: italic;
  color: var(--ink);
}
.book-caption span {
  display: block;
  font-size: 12px;
  color: var(--ink-3);
  font-style: normal;
  font-family: var(--font-ui);
  margin-top: 2px;
}

/* byline body */
.byline-body { max-width: 720px; }
.byline-kicker {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--warm-deep);
  margin-bottom: 10px;
}
.byline-lead {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(19px, 2vw, 23px);
  line-height: 1.4;
  color: var(--ink);
  text-wrap: pretty;
  margin-bottom: 20px;
  letter-spacing: -.005em;
}
.byline-lead strong {
  font-weight: 400;
  font-style: normal;
  font-family: var(--font-ui);
  color: var(--ink);
  font-size: 0.92em;
  letter-spacing: .005em;
}
.byline-lead em {
  font-style: italic;
  color: var(--accent);
}

.byline-meta {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 12px 32px;
  padding-top: 16px;
  border-top: 1px solid var(--line-2);
}
.byline-meta li {
  display: flex;
  flex-direction: column;
  gap: 1px;
}
.byline-meta .bm-v {
  font-size: 13.5px;
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -.005em;
}
.byline-meta .bm-k {
  font-size: 10.5px;
  font-weight: 500;
  letter-spacing: .02em;
  color: var(--ink-3);
  font-variant-numeric: tabular-nums;
}

/* ============ MATH SECTION (annotated) ============ */
.math {
  background: var(--paper-2);
}
.math-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: clamp(28px, 4vw, 44px);
  box-shadow: var(--shadow);
  max-width: 820px;
  margin-inline: auto;
  position: relative;
}
.math-card-header {
  margin-bottom: 24px;
}
.math-card-body {
  display: flex;
  flex-direction: column;
  gap: 28px;
}
/* Hide side annotations — they overflow the card edge */
.math-card .debt-line .annotation { display: none; }

/* Hero monthly-savings banner — primary visual output */
.math-card .math-savings.hero {
  margin-top: 0;
  padding: 28px clamp(24px, 4vw, 36px);
  background: linear-gradient(135deg, var(--warm-soft) 0%, #fff 100%);
  border: 1px solid var(--warm);
  border-radius: var(--radius);
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 6px;
  text-align: left;
}
.math-card .math-savings.hero .ms-eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--warm-deep);
}
.math-card .math-savings.hero .value {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(48px, 7vw, 68px);
  color: var(--warm-deep);
  line-height: 1;
  font-variant-numeric: tabular-nums;
  margin: 4px 0;
}
.math-card .math-savings.hero .ms-sub {
  font-size: 14px;
  color: var(--ink-2);
  font-style: italic;
}

.math-card-footer {
  margin-top: 24px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
  display: flex;
  align-items: center;
  gap: 24px;
  flex-wrap: wrap;
}
.math-card-footer .btn-schedule-advisor { flex-shrink: 0; }
.math-card-footer .math-footnote { margin-top: 0; flex: 1; min-width: 200px; }

@media (max-width: 780px) {
  .math-card-footer { flex-direction: column; align-items: stretch; }
}
.math-card .example-tag {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  padding: 4px 10px;
  background: var(--warm-soft);
  color: var(--warm-deep);
  border-radius: 999px;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.math-card h3 {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(22px, 2.4vw, 28px);
  color: var(--ink);
  margin-bottom: 8px;
  line-height: 1.2;
}
.math-card .intro {
  margin-bottom: 0;
  max-width: 100%;
}

.debt-line {
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 20px;
  align-items: center;
  padding: 14px 0;
  border-bottom: 1px solid var(--line-2);
  position: relative;
}
.debt-line .label {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.debt-line .label .primary {
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
}
.debt-line .label .secondary {
  font-size: 12.5px;
  color: var(--ink-3);
}
.debt-line .rate {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 22px;
  color: var(--ink);
  min-width: 70px;
  text-align: right;
  font-variant-numeric: tabular-nums;
}
.debt-line .amount {
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  min-width: 90px;
  text-align: right;
  font-variant-numeric: tabular-nums;
}
.debt-line .annotation {
  position: absolute;
  left: calc(100% + 24px);
  top: 50%;
  transform: translateY(-50%);
  font-family: var(--font-display);
  font-style: italic;
  font-size: 15px;
  color: var(--warm-deep);
  max-width: 200px;
  line-height: 1.25;
  white-space: nowrap;
}
.debt-line .annotation::before {
  content: "";
  position: absolute;
  right: 100%;
  top: 50%;
  width: 18px;
  height: 1px;
  background: var(--warm);
  margin-right: 4px;
}
@media (max-width: 1200px) {
  .debt-line .annotation { display: none; }
}

.math-totals {
  margin-top: 28px;
  padding-top: 24px;
  border-top: 2px solid var(--ink);
  display: grid;
  gap: 14px;
}
.math-total-row {
  display: grid;
  grid-template-columns: 1fr auto;
  align-items: baseline;
  gap: 16px;
}
.math-total-row .label {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 20px;
  color: var(--ink-2);
}
.math-total-row .value {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 28px;
  color: var(--ink);
  font-variant-numeric: tabular-nums;
}
.math-total-row.accent .label,
.math-total-row.accent .value {
  color: var(--accent);
}
.math-total-row.accent .value {
  font-size: 40px;
}
.math-savings {
  margin-top: 20px;
  padding: 16px 20px;
  background: var(--warm-soft);
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.math-savings .label {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 18px;
  color: var(--warm-deep);
}
.math-savings .value {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 32px;
  color: var(--warm-deep);
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.math-footnote {
  margin-top: 0;
  font-size: 12px;
  color: var(--ink-3);
  font-style: italic;
  line-height: 1.5;
}

/* ============ HOW IT WORKS (timeline) ============ */
.how {
  background: var(--paper);
}
.timeline {
  position: relative;
  max-width: 100%;
  margin-inline: auto;
  padding: 0;
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;
  gap: 0 32px;
}
/* no connector line */
.timeline-step {
  position: relative;
  padding-left: 0;
  padding-bottom: 0;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}
.timeline-step:last-child { padding-bottom: 0; }
.timeline-step .num {
  position: relative;
  left: auto;
  top: auto;
  width: 46px; height: 46px;
  border-radius: 50%;
  background: #fff;
  border: 2px solid var(--accent);
  display: grid;
  place-items: center;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 22px;
  color: var(--accent);
  z-index: 2;
  box-shadow: 0 2px 8px rgba(45, 121, 181, .15);
  margin-bottom: 16px;
  flex-shrink: 0;
}
.timeline-step:last-child .num {
  border-color: var(--warm);
  color: var(--warm-deep);
}
.timeline-step .timing {
  display: inline-block;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 8px;
}
.timeline-step:last-child .timing { color: var(--warm-deep); }
.timeline-step h4 {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 400;
  font-size: 22px;
  color: var(--ink);
  margin-bottom: 10px;
  line-height: 1.2;
}
.timeline-step p {
  color: var(--ink-2);
  font-size: 14px;
  max-width: 100%;
  line-height: 1.55;
}
@media (max-width: 640px) {
  .timeline {
    grid-template-columns: 1fr;
    gap: 32px 0;
  }
  .timeline::before {
    top: 23px;
    left: 22px;
    right: auto;
    width: 2px;
    height: calc(100% - 46px);
    background: linear-gradient(180deg, var(--accent) 0%, var(--warm) 100%);
  }
  .timeline-step {
    padding-left: 64px;
  }
  .timeline-step .num {
    position: absolute;
    left: 0;
    top: 0;
    margin-bottom: 0;
  }
}

/* ============ TESTIMONIALS (story stack) ============ */
.why {
  background: var(--paper-2);
}
.story-stack {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 40px;
}
.story {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 28px 24px;
  display: flex;
  flex-direction: column;
}
.story .body .name {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 20px;
  color: var(--ink);
  margin-bottom: 2px;
  line-height: 1.2;
}
.story .body .meta {
  font-size: 12.5px;
  color: var(--ink-3);
  margin-bottom: 10px;
  letter-spacing: .01em;
}
.story .body blockquote {
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink-2);
  max-width: 520px;
  text-wrap: pretty;
}
.story .body blockquote::before {
  content: "\201C";
  font-family: var(--font-display);
  color: var(--accent);
  font-size: 32px;
  line-height: 0;
  position: relative;
  top: 6px;
  margin-right: 2px;
}
.story .stat {
  text-align: right;
  padding-top: 6px;
}
.story .stat .v {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 28px;
  color: var(--accent);
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.story .stat .l {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-top: 4px;
}
@media (max-width: 720px) {
  .story-stack { grid-template-columns: 1fr; }
}

.coach-callout {
  margin-top: 40px;
  padding: 32px clamp(24px, 4vw, 40px);
  background: linear-gradient(135deg, #fff 0%, var(--accent-soft) 100%);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  display: grid;
  grid-template-columns: 120px 1fr;
  gap: 28px;
  align-items: center;
  box-shadow: var(--shadow-sm);
}
.coach-callout .portrait {
  width: 120px; height: 120px;
  border-radius: 50%;
  overflow: hidden;
  background: var(--paper-3);
  border: 2px solid #fff;
  box-shadow: var(--shadow);
}
.coach-callout .portrait svg {
  width: 100%; height: 100%;
}
.coach-callout .cc-eyebrow {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent);
  margin-bottom: 8px;
}
.coach-callout h4 {
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(22px, 2.6vw, 28px);
  color: var(--ink);
  margin-bottom: 10px;
  line-height: 1.2;
}
.coach-callout p {
  color: var(--ink-2);
  font-size: 15px;
  line-height: 1.55;
  max-width: 520px;
}
@media (max-width: 640px) {
  .coach-callout { grid-template-columns: 1fr; text-align: center; }
  .coach-callout .portrait { margin-inline: auto; width: 96px; height: 96px; }
  .coach-callout p { margin-inline: auto; }
}

/* ============ FAQ (accordion) ============ */
.faq {
  background: var(--paper);
}
.faq-list {
  max-width: 780px;
  margin-inline: auto;
  border-top: 1px solid var(--line);
}
.faq-item {
  border-bottom: 1px solid var(--line);
}
.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  padding: 22px 4px;
  width: 100%;
  text-align: left;
  font-family: var(--font-display);
  font-style: italic;
  font-size: clamp(19px, 2vw, 22px);
  color: var(--ink);
  transition: color .15s ease;
}
.faq-q:hover { color: var(--accent); }
.faq-q .chev {
  width: 22px; height: 22px;
  border-radius: 50%;
  border: 1.5px solid var(--line);
  display: grid; place-items: center;
  color: var(--ink-2);
  font-size: 14px;
  font-weight: 600;
  font-family: var(--font-ui);
  font-style: normal;
  transition: transform .2s ease, background .2s ease, color .2s ease, border-color .2s ease;
  flex-shrink: 0;
}
.faq-item.open .faq-q .chev {
  transform: rotate(45deg);
  background: var(--accent);
  color: #fff;
  border-color: var(--accent);
}
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease;
}
.faq-a-inner {
  padding: 0 4px 22px;
  max-width: 640px;
  color: var(--ink-2);
  font-size: 15px;
  line-height: 1.6;
}
.faq-a-inner p + p { margin-top: 10px; }
.faq-item.open .faq-a {
  max-height: 400px;
}
.faq-cta {
  margin-top: 40px;
  text-align: center;
}
.faq-cta p {
  margin-bottom: 14px;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 20px;
  color: var(--ink);
}

/* ============ FORM SECTION (multi-step) ============ */
.form-section {
  background: linear-gradient(180deg, var(--accent-deep) 0%, var(--accent) 100%);
  color: #fff;
  position: relative;
  overflow: hidden;
}
.form-section::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 40% 50% at 90% 10%, rgba(234, 154, 60, .15), transparent 60%),
    radial-gradient(ellipse 50% 40% at 10% 90%, rgba(255, 255, 255, .08), transparent 60%);
}
.form-section .container { position: relative; z-index: 1; }
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: clamp(40px, 6vw, 80px);
  align-items: center;
}
@media (max-width: 900px) { .form-grid { grid-template-columns: 1fr; } }

.form-intro .eyebrow {
  color: var(--warm);
  opacity: .9;
}
.form-intro h2 {
  color: #fff;
  margin-bottom: 18px;
  font-size: clamp(32px, 4vw, 44px);
}
.form-intro h2 em {
  color: var(--warm);
  font-style: italic;
}
.form-intro p {
  color: rgba(255,255,255,.8);
  font-size: 16px;
  margin-bottom: 24px;
  max-width: 440px;
}
.form-intro ul {
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.form-intro ul li {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  color: rgba(255,255,255,.9);
  font-size: 14.5px;
}
.form-intro ul li .check {
  color: var(--warm);
  flex-shrink: 0;
  margin-top: 2px;
}

.form-card {
  background: #fff;
  color: var(--ink);
  border-radius: var(--radius-lg);
  padding: clamp(24px, 3vw, 36px);
  box-shadow: var(--shadow-lg);
}
.form-steps {
  display: flex;
  align-items: center;
  gap: 8px;
  margin-bottom: 22px;
}
.form-steps .dot {
  width: 10px; height: 10px;
  border-radius: 50%;
  background: var(--line);
  flex-shrink: 0;
  transition: background .25s ease, transform .25s ease;
}
.form-steps .dot.done { background: var(--accent); }
.form-steps .dot.active {
  background: var(--accent);
  transform: scale(1.3);
  box-shadow: 0 0 0 4px var(--accent-soft);
}
.form-steps .line {
  flex: 1;
  height: 2px;
  background: var(--line);
  max-width: 40px;
}
.form-steps .line.done { background: var(--accent); }
.form-steps .step-label {
  margin-left: auto;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 16px;
  color: var(--ink-2);
}
.form-step-content h3 {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 24px;
  color: var(--ink);
  margin-bottom: 6px;
  line-height: 1.2;
}
.form-step-content .step-sub {
  font-size: 14px;
  color: var(--ink-3);
  margin-bottom: 22px;
}
.form-fields {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.form-fields .field.full { grid-column: span 2; }
.form-fields .field select {
  height: 40px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  padding: 0 14px;
  background: #fff;
  font-size: 14px;
  font-weight: 500;
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath fill='none' stroke='%238791a0' stroke-width='1.5' d='M1 1l5 5 5-5'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 36px;
  cursor: pointer;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.form-fields .field select:focus {
  outline: none;
  border-color: var(--accent);
  box-shadow: 0 0 0 3px var(--accent-soft);
}
.checkbox-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
}
@media (max-width: 520px) { .checkbox-grid { grid-template-columns: 1fr 1fr; } }
.check-chip {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 10px 12px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 13.5px;
  font-weight: 500;
  color: var(--ink-2);
  transition: all .15s ease;
  user-select: none;
}
.check-chip:hover { border-color: var(--ink-3); background: var(--paper); }
.check-chip input { position: absolute; opacity: 0; pointer-events: none; }
.check-chip .box {
  width: 16px; height: 16px;
  border: 1.5px solid var(--line);
  border-radius: 3px;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  transition: all .15s ease;
}
.check-chip .box svg {
  width: 10px; height: 10px;
  color: #fff;
  opacity: 0;
  transition: opacity .15s ease;
}
.check-chip.on {
  background: var(--accent-soft);
  border-color: var(--accent);
  color: var(--accent-deep);
}
.check-chip.on .box {
  background: var(--accent);
  border-color: var(--accent);
}
.check-chip.on .box svg { opacity: 1; }

.radio-row {
  display: flex;
  gap: 8px;
}
.radio-chip {
  flex: 1;
  padding: 10px 14px;
  border: 1.5px solid var(--line);
  border-radius: var(--radius-sm);
  cursor: pointer;
  font-size: 14px;
  font-weight: 500;
  color: var(--ink-2);
  text-align: center;
  transition: all .15s ease;
}
.radio-chip:hover { border-color: var(--ink-3); background: var(--paper); }
.radio-chip.on {
  background: var(--accent-soft);
  border-color: var(--accent);
  color: var(--accent-deep);
  font-weight: 600;
}

.form-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  margin-top: 24px;
  gap: 12px;
}
.form-nav .btn-back {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-3);
  padding: 8px 4px;
}
.form-nav .btn-back:hover { color: var(--ink); }
.form-nav .btn-back.hidden { visibility: hidden; }
.form-disclosure {
  margin-top: 16px;
  font-size: 11.5px;
  color: var(--ink-3);
  line-height: 1.5;
  padding-top: 14px;
  border-top: 1px dashed var(--line);
}

.form-success {
  text-align: center;
  padding: 20px 0;
}
.form-success .big-icon {
  width: 64px; height: 64px;
  margin: 0 auto 18px;
  border-radius: 50%;
  background: var(--accent-soft);
  color: var(--accent);
  display: grid;
  place-items: center;
}
.form-success h3 {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 28px;
  margin-bottom: 10px;
  color: var(--ink);
}
.form-success p {
  color: var(--ink-2);
  max-width: 360px;
  margin-inline: auto;
  margin-bottom: 6px;
}

/* ============ FOOTER ============ */
.site-foot {
  background: var(--ink);
  color: rgba(255,255,255,.7);
  padding: 48px 0 28px;
  font-size: 13px;
  line-height: 1.6;
}
.foot-top {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 32px;
  border-bottom: 1px solid rgba(255,255,255,.1);
}
@media (max-width: 760px) { .foot-top { grid-template-columns: 1fr 1fr; } .foot-brand { grid-column: span 2; } }
.foot-brand .brand-lockup { color: #fff; }
.foot-brand .brand-mark { color: #fff; }
.foot-brand .brand-mark .brand-logo { max-height: 80px; }
.foot-brand .partner-mark { color: rgba(255,255,255,.8); }
.foot-brand .brand-divider { background: rgba(255,255,255,.2); }
.foot-brand .brand-x { color: rgba(255,255,255,.4); }
.foot-brand p {
  margin-top: 16px;
  max-width: 380px;
  color: rgba(255,255,255,.6);
  font-size: 13px;
}
.foot-col h5 {
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.foot-col ul { list-style: none; display: flex; flex-direction: column; gap: 8px; }
.foot-col a { color: rgba(255,255,255,.7); transition: color .15s ease; }
.foot-col a:hover { color: #fff; }

.foot-legal {
  padding-top: 24px;
  display: flex;
  justify-content: space-between;
  gap: 20px;
  flex-wrap: wrap;
  font-size: 11.5px;
  color: rgba(255,255,255,.5);
  line-height: 1.6;
}
.foot-legal p { max-width: 100%; }

/* ============ UTIL ============ */
.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0;
}
.no-wrap { white-space: nowrap; }


/* ============ CALC HELP NOTE (overwhelmed callout) ============ */
.calc-help-note {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  padding: 14px 22px;
  background: linear-gradient(180deg, #fff7ec 0%, #fef2df 100%);
  border-top: 1px solid var(--line-2);
  border-bottom: 1px solid var(--line-2);
}
.calc-help-note .chn-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--warm);
  color: #fff;
  flex-shrink: 0;
}
.calc-help-note .chn-body {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 14.5px;
  line-height: 1.45;
  color: var(--ink-2);
  padding-top: 4px;
}
.calc-help-note .chn-body strong {
  color: var(--warm-deep);
  font-weight: 600;
  font-style: italic;
}
.calc-help-note .chn-body a {
  color: var(--warm-deep);
  font-weight: 600;
  font-style: italic;
  text-decoration: underline;
  text-decoration-thickness: 1.5px;
  text-underline-offset: 2px;
}
.calc-help-note .chn-body a:hover { color: var(--accent-deep); }

/* ============ WHY SOLAR CUSTOMERS ARE EXCITED ============ */
.why-solar {
  padding: clamp(56px, 8vw, 96px) 0;
  background: linear-gradient(180deg, #fff 0%, var(--paper) 100%);
  border-top: 1px solid var(--line-2);
}
.why-solar .container { max-width: var(--container); }

.why-head {
  max-width: 820px;
  margin: 0 auto 56px;
  text-align: center;
}
.why-head .eyebrow {
  display: inline-block;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--warm-deep);
  margin-bottom: 18px;
  position: relative;
  padding: 0 28px;
}
.why-head .eyebrow::before,
.why-head .eyebrow::after {
  content: "";
  position: absolute;
  top: 50%;
  width: 18px;
  height: 1px;
  background: var(--warm);
  opacity: .6;
}
.why-head .eyebrow::before { left: 0; }
.why-head .eyebrow::after { right: 0; }
.why-head h2 {
  font-family: var(--font-display);
  font-weight: 400;
  font-style: italic;
  color: var(--ink);
  line-height: 1.1;
  margin: 0 0 18px;
  text-wrap: balance;
}
.why-head .lead {
  color: var(--ink-2);
  font-size: 17px;
  line-height: 1.6;
  text-wrap: pretty;
}
.why-head .lead em {
  font-family: var(--font-display);
  font-size: 19px;
  color: var(--warm-deep);
}

.why-grid {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
  max-width: 100%;
  margin-inline: auto;
}
.why-card {
  position: relative;
  background: #fff;
  border: 1px solid var(--line-2);
  border-radius: var(--radius-lg);
  padding: 28px 28px 26px;
  box-shadow: var(--shadow-sm);
  transition: transform .15s ease, box-shadow .15s ease, border-color .15s ease;
}
.why-card:hover {
  transform: translateY(-2px);
  box-shadow: 0 6px 24px rgba(24, 71, 115, .08);
  border-color: var(--warm);
}
.why-num {
  display: block;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 28px;
  color: var(--warm);
  line-height: 1;
  margin-bottom: 12px;
  font-feature-settings: "tnum";
}
.why-card h3 {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 400;
  font-size: 24px;
  color: var(--accent-deep);
  line-height: 1.2;
  margin: 0 0 10px;
  text-wrap: balance;
}
.why-card h3 em {
  font-family: var(--font-display);
  font-style: italic;
  color: var(--warm-deep);
}
.why-card p {
  font-size: 14.5px;
  line-height: 1.6;
  color: var(--ink-2);
  margin: 0;
}
.why-card p sup {
  font-size: 10px;
  color: var(--warm-deep);
  font-weight: 700;
}
.why-foot {
  max-width: 820px;
  margin: 28px auto 0;
  text-align: center;
  font-size: 11.5px;
  line-height: 1.5;
  color: var(--ink-3);
  font-family: 'SF Mono', 'Menlo', monospace;
}
.why-foot sup {
  color: var(--warm-deep);
  font-weight: 700;
}

@media (max-width: 900px) {
  .why-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .why-grid { grid-template-columns: 1fr; }
}

/* ============ CALCULATOR BUTTONS ============ */
.calc-btn-row {
  display: flex;
  gap: 10px;
  margin-top: 18px;
}
.calc-btn-row .btn {
  flex: 1;
}

/* ============ APR DISCLOSURE (short-form under calc) ============ */
.calc-disclosure-apr {
  margin-top: 12px;
  font-size: 11px;
  line-height: 1.55;
  color: var(--ink-3);
  padding: 10px 12px;
  background: var(--paper-2);
  border-radius: var(--radius-sm);
  border: 1px solid var(--line-2);
}
.calc-disclosure-link {
  display: inline-block;
  margin-top: 4px;
  color: var(--accent);
  font-weight: 600;
  text-decoration: underline;
  text-underline-offset: 2px;
  text-decoration-thickness: 1px;
  font-size: 11px;
}
.calc-disclosure-link:hover { color: var(--accent-hover); }

/* ============ FULL APR DISCLOSURE SECTION ============ */
.full-disclosure-wrap {
  background: var(--paper-2);
  border-top: 1px solid var(--line-2);
  padding: 0;
}
.full-disclosure-wrap .container-narrow {
  padding-top: 0;
  padding-bottom: 0;
}
.full-disclosure-toggle {
  width: 100%;
  display: flex;
  align-items: center;
  gap: 10px;
  padding: 18px 0;
  font-family: var(--font-display);
  font-style: italic;
  font-size: 18px;
  color: var(--accent-deep);
  font-weight: 400;
  text-align: left;
  cursor: pointer;
  background: none;
  border: none;
  transition: color .15s ease;
}
.full-disclosure-toggle:hover { color: var(--accent); }
.fd-chevron {
  flex-shrink: 0;
  transition: transform .25s ease;
  color: var(--accent);
}
.full-disclosure-body {
  padding-bottom: 32px;
  font-size: 13px;
  line-height: 1.65;
  color: var(--ink-2);
}
.full-disclosure-body p + p { margin-top: 12px; }
.fd-example-heading {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 400;
  font-size: 20px;
  color: var(--ink);
  margin: 22px 0 14px;
}
.disclosure-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  margin-bottom: 16px;
}
.disclosure-table th,
.disclosure-table td {
  padding: 9px 12px;
  border: 1px solid var(--line-2);
  text-align: left;
}
.disclosure-table th {
  background: var(--paper);
  font-weight: 600;
  color: var(--ink);
  width: 55%;
}
.disclosure-table td {
  font-variant-numeric: tabular-nums;
  color: var(--ink-2);
}
.disclosure-fine {
  font-size: 11.5px;
  color: var(--ink-3);
  font-style: italic;
  line-height: 1.55;
}

/* ============ FORM — SMS CONSENT ============ */
.sms-consent-label {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  font-size: 12.5px;
  color: var(--ink-3);
  line-height: 1.5;
  cursor: pointer;
}
.sms-consent-label input[type=checkbox] {
  flex-shrink: 0;
  margin-top: 2px;
  width: 16px;
  height: 16px;
  accent-color: var(--accent);
  cursor: pointer;
}

/* ============ MS BOOKINGS CARD ============ */
.bookings-card {
  grid-column: 1 / -1;   /* span full width of parent .form-grid */
  margin-top: 40px;
  padding: 24px clamp(20px, 3vw, 28px);
  background: linear-gradient(135deg, var(--accent-soft) 0%, #fff 100%);
  border: 1px solid var(--accent);
  border-radius: var(--radius);
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 20px;
}
.bookings-icon {
  width: 48px; height: 48px;
  border-radius: 50%;
  background: var(--accent);
  color: #fff;
  display: grid; place-items: center;
  flex-shrink: 0;
}
.bookings-body { min-width: 0; }
.bookings-status {
  display: inline-block;
  font-size: 10.5px;
  font-weight: 700;
  letter-spacing: .14em;
  text-transform: uppercase;
  color: var(--accent-deep);
  margin-bottom: 6px;
}
.bookings-body h4 {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 20px;
  color: var(--ink);
  margin: 0 0 6px;
  line-height: 1.25;
}
.bookings-body p {
  font-size: 14px;
  color: var(--ink-2);
  line-height: 1.5;
  margin: 0;
}
.bookings-cta {
  flex-shrink: 0;
  white-space: nowrap;
}

/* Placeholder (inactive) state — visually muted, button disabled */
.bookings-card.is-placeholder {
  background: var(--paper-2);
  border-color: var(--line);
  border-style: dashed;
}
.bookings-card.is-placeholder .bookings-icon {
  background: var(--ink-3);
  opacity: .7;
}
.bookings-card.is-placeholder .bookings-status {
  color: var(--ink-3);
}
.bookings-card.is-placeholder .bookings-body h4 {
  color: var(--ink-2);
}
.bookings-card.is-placeholder .bookings-cta {
  pointer-events: none;
  opacity: .5;
  cursor: not-allowed;
}

@media (max-width: 720px) {
  .bookings-card {
    grid-template-columns: 1fr;
    text-align: left;
  }
  .bookings-icon { width: 40px; height: 40px; }
  .bookings-cta { justify-self: stretch; text-align: center; }
}