*,*::before,*::after{margin:0;padding:0;box-sizing:border-box}
:root{--navy:#231F20;--navy-mid:#3D393A;--navy-light:#605D5E;--gold:#AD974F;--gold-light:#BFAD75;--gold-pale:#EAEAEA;--gold-muted:#8E793E;--cream:#FAFAFA;--white:#FFFFFF;--text-dark:#231F20;--text-light:#6B6B6B}
html{scroll-behavior:smooth;font-size:16px;scroll-padding-top:150px}
body{font-family:'DM Sans',sans-serif;color:var(--text-dark);background:var(--cream);overflow-x:hidden}

nav{position:fixed;top:0;left:0;right:0;background:var(--navy);z-index:100;border-bottom:1px solid rgba(173,151,79,.12)}
.nav-inner{display:flex;align-items:center;justify-content:center;width:100%;max-width:1400px;padding:0 clamp(1rem,2vw,2rem);margin:0 auto;flex-wrap:wrap;gap:0}
.nav-row-top{display:flex;align-items:center;justify-content:space-between;width:100%;height:56px;gap:clamp(1rem,2vw,2rem)}
nav .nav-logo{display:flex;align-items:center;flex-shrink:0}
nav .nav-logo a{display:flex;align-items:center;text-decoration:none}
nav .nav-logo-img{height:48px;width:auto;max-width:180px;display:block;object-fit:contain}
nav .nav-links{display:flex;gap:clamp(.6rem,1.2vw,1.5rem);align-items:center;justify-content:center;width:100%;padding:.4rem 0 .55rem;border-top:1px solid rgba(173,151,79,.08);flex-wrap:nowrap;overflow:visible}
nav .nav-links a{font-size:clamp(.7rem,.85vw,.95rem);color:rgba(255,255,255,.8);text-decoration:none;text-transform:uppercase;letter-spacing:.03em;font-weight:500;transition:color .2s;white-space:nowrap;font-family:'Playfair Display',serif;overflow:hidden;text-overflow:ellipsis}
nav .nav-links a.nav-cta{color:var(--navy);letter-spacing:0;font-weight:600}
nav .nav-links a:hover{color:var(--gold)}
.home-dropdown{position:relative}
.home-dropdown>.home-dropdown-toggle{cursor:pointer;display:inline-flex;align-items:center;gap:3px}
.home-dropdown>.home-dropdown-toggle::after{content:'';display:inline-block;width:5px;height:5px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);transition:transform .25s;margin-top:-2px}
.home-dropdown:hover>.home-dropdown-toggle::after,.home-dropdown.open>.home-dropdown-toggle::after{transform:rotate(-135deg)}
nav .nav-links .home-dropdown-menu a{display:block;font-size:.72rem !important;color:rgba(255,255,255,.65) !important;text-decoration:none;text-transform:uppercase;letter-spacing:.04em;font-weight:500;padding:.7rem .9rem;transition:all .2s;white-space:nowrap;border-bottom:1px solid rgba(173,151,79,.06);font-family:'Playfair Display',serif;overflow:visible;text-overflow:clip}
nav .nav-links .home-dropdown-menu a:last-child{border-bottom:none}
nav .nav-links .home-dropdown-menu a:hover{color:var(--gold) !important;background:rgba(173,151,79,.1)}
.mob-home-sub{display:none;padding-left:1rem;background:rgba(173,151,79,.03)}
.mob-home-sub.open{display:block}
.mob-home-toggle{display:flex;align-items:center;justify-content:space-between}
.mob-home-toggle::after{content:'';display:inline-block;width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);transition:transform .25s;margin-left:12px;margin-right:4px;flex-shrink:0}
.mob-home-toggle.open::after{transform:rotate(-135deg)}
.wcl-dropdown>.wcl-dropdown-toggle::after{content:'';display:inline-block;width:5px;height:5px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);transition:transform .25s;margin-top:-2px}
.wcl-dropdown:hover>.wcl-dropdown-toggle::after{transform:rotate(-135deg)}
nav .nav-links .wcl-dropdown-menu a{display:block;font-size:.72rem !important;color:rgba(255,255,255,.65) !important;text-decoration:none;text-transform:uppercase;letter-spacing:.04em;font-weight:500;padding:.7rem .9rem;transition:all .2s;white-space:nowrap;border-bottom:1px solid rgba(173,151,79,.06);font-family:'Playfair Display',serif;overflow:visible;text-overflow:clip}
nav .nav-links .wcl-dropdown-menu a:last-child{border-bottom:none}
nav .nav-links .wcl-dropdown-menu a:hover{color:var(--gold) !important;background:rgba(173,151,79,.1)}
.mob-wcl-sub{display:none;padding-left:1rem;background:rgba(173,151,79,.03)}
.mob-wcl-sub.open{display:block}
.mob-wcl-toggle{display:flex;align-items:center;justify-content:space-between}
.mob-wcl-toggle::after{content:'';display:inline-block;width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);transition:transform .25s;margin-left:12px;margin-right:4px;flex-shrink:0}
.mob-wcl-toggle.open::after{transform:rotate(-135deg)}
.tools-dropdown>.tools-dropdown-toggle::after,.portals-dropdown>.portals-dropdown-toggle::after,.terms-dropdown>.terms-dropdown-toggle::after,.partners-dropdown>.partners-dropdown-toggle::after,.resources-dropdown>.resources-dropdown-toggle::after{content:'';display:inline-block;width:5px;height:5px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);transition:transform .25s;margin-top:-2px}
.tools-dropdown:hover>.tools-dropdown-toggle::after,.portals-dropdown:hover>.portals-dropdown-toggle::after,.terms-dropdown:hover>.terms-dropdown-toggle::after,.partners-dropdown:hover>.partners-dropdown-toggle::after,.resources-dropdown:hover>.resources-dropdown-toggle::after{transform:rotate(-135deg)}
nav .nav-links .tools-dropdown-menu a,nav .nav-links .portals-dropdown-menu a,nav .nav-links .terms-dropdown-menu a,nav .nav-links .partners-dropdown-menu a,nav .nav-links .resources-dropdown-menu a{display:block;font-size:.72rem !important;color:rgba(255,255,255,.65) !important;text-decoration:none;text-transform:uppercase;letter-spacing:.04em;font-weight:500;padding:.7rem .9rem;transition:all .2s;white-space:nowrap;border-bottom:1px solid rgba(173,151,79,.06);font-family:'Playfair Display',serif;overflow:visible;text-overflow:clip}
nav .nav-links .tools-dropdown-menu,nav .nav-links .portals-dropdown-menu,nav .nav-links .terms-dropdown-menu,nav .nav-links .partners-dropdown-menu,nav .nav-links .home-dropdown-menu,nav .nav-links .wcl-dropdown-menu,nav .nav-links .resources-dropdown-menu{max-height:70vh;overflow-y:auto}
nav .nav-links .tools-dropdown-menu a:last-child,nav .nav-links .portals-dropdown-menu a:last-child,nav .nav-links .terms-dropdown-menu a:last-child,nav .nav-links .partners-dropdown-menu a:last-child,nav .nav-links .resources-dropdown-menu a:last-child{border-bottom:none}
nav .nav-links .tools-dropdown-menu a:hover,nav .nav-links .portals-dropdown-menu a:hover,nav .nav-links .terms-dropdown-menu a:hover,nav .nav-links .partners-dropdown-menu a:hover,nav .nav-links .resources-dropdown-menu a:hover{color:var(--gold) !important;background:rgba(173,151,79,.1)}
.mob-tools-sub,.mob-portals-sub,.mob-terms-sub,.mob-partners-sub,.mob-resources-sub{display:none;padding-left:1rem;background:rgba(173,151,79,.03);max-height:50vh;overflow-y:auto}
.mob-tools-sub.open,.mob-portals-sub.open,.mob-terms-sub.open,.mob-partners-sub.open,.mob-resources-sub.open{display:block}
.mob-tools-toggle,.mob-portals-toggle,.mob-terms-toggle,.mob-partners-toggle{display:flex;align-items:center;justify-content:space-between}
.mob-tools-toggle::after,.mob-portals-toggle::after,.mob-terms-toggle::after,.mob-partners-toggle::after{content:'';display:inline-block;width:6px;height:6px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);transition:transform .25s;margin-left:12px;margin-right:4px;flex-shrink:0}
.mob-tools-toggle.open::after,.mob-portals-toggle.open::after,.mob-terms-toggle.open::after,.mob-partners-toggle.open::after{transform:rotate(-135deg)}
.nav-cta-group{display:flex;align-items:center;gap:clamp(.2rem,.35vw,.45rem);flex-shrink:0;flex-wrap:nowrap}
.nav-cta-group .nav-cta{font-size:clamp(.7rem,.85vw,.95rem);padding:.35rem clamp(.5rem,.6vw,.7rem);letter-spacing:.03em}
.nav-cta-group .nav-divider{width:1px;height:20px;background:rgba(173,151,79,.1);margin:0 .15rem}
.nav-cta{padding:.35rem .6rem;border-radius:5px;font-size:clamp(.7rem,.85vw,.95rem);font-weight:600;text-decoration:none;text-transform:uppercase;letter-spacing:.03em;transition:all .2s;white-space:nowrap;font-family:'Playfair Display',serif}
.nav-cta-ghost{background:transparent;border:1px solid transparent;color:rgba(255,255,255,.8)}
.nav-cta-ghost:hover{color:var(--gold)}
.nav-cta-outline{background:transparent;border:1px solid rgba(173,151,79,.3);color:var(--gold)}
.nav-cta-outline:hover{border-color:var(--gold);background:rgba(173,151,79,.06)}
.nav-cta-fill{background:var(--gold);color:var(--navy);border:1px solid var(--gold);padding:.28rem .5rem}
.nav-cta-fill:hover{background:var(--gold-light)}
.nav-hamburger{display:none;background:none;border:none;cursor:pointer;padding:6px;flex-shrink:0;width:32px;height:32px;position:relative;-webkit-appearance:none;appearance:none;outline:none}
.nav-hamburger span{display:block;width:18px;height:2px;background:rgba(255,255,255,.7);border-radius:2px;transition:all .3s ease;position:absolute;left:7px}
.nav-hamburger span:nth-child(1){top:10px}
.nav-hamburger span:nth-child(2){top:15px}
.nav-hamburger span:nth-child(3){top:20px}
.nav-hamburger.active span:nth-child(1){top:15px;transform:rotate(45deg)}
.nav-hamburger.active span:nth-child(2){opacity:0}
.nav-hamburger.active span:nth-child(3){top:15px;transform:rotate(-45deg)}
.nav-hamburger:hover span{background:var(--gold)}
.nav-dropdown{display:none;position:absolute;top:56px;left:0;right:0;background:var(--navy);border-bottom:1px solid rgba(173,151,79,.12);box-shadow:0 8px 24px rgba(0,0,0,.3)}
.nav-dropdown.open{display:block}
.nav-dropdown a{display:block;font-size:.8rem;color:rgba(255,255,255,.6);text-decoration:none;text-transform:uppercase;letter-spacing:.04em;font-weight:500;padding:.85rem clamp(1rem,3vw,2.5rem);transition:all .2s;border-bottom:1px solid rgba(173,151,79,.05)}
.nav-dropdown a:hover{color:var(--gold);background:rgba(173,151,79,.1)}
.nav-dropdown a.nav-cta-fill{color:var(--navy);background:var(--gold);font-weight:700}
.nav-dropdown a.nav-cta-fill:hover{color:var(--navy);background:var(--gold-light)}
.nav-dropdown-ctas{display:flex;flex-wrap:wrap;gap:.5rem;padding:.85rem clamp(1rem,3vw,2.5rem);border-top:1px solid rgba(173,151,79,.08);margin-top:.25rem}
.nav-dropdown-ctas .nav-cta{flex:1 1 auto;min-width:120px;text-align:center;padding:.6rem .75rem;font-size:.7rem;border-radius:6px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.nav-dropdown-ctas .nav-cta-fill{color:var(--navy);background:var(--gold);font-weight:700}
.nav-dropdown-ctas .nav-cta-fill:hover{color:var(--navy);background:var(--gold-light)}

.hero{background:#FFFFFF;display:flex;justify-content:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='40' height='40' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M20 0v40M0 20h40' stroke='%230A1628' stroke-width='.3' opacity='.03'/%3E%3C/svg%3E");z-index:0}
.hero-content{position:relative;z-index:1;display:flex;flex-direction:column;justify-content:center;align-items:center;text-align:center;padding:calc(56px + 6rem) 2rem 2rem;max-width:650px}
.hero-name{font-family:'Playfair Display',serif;font-size:clamp(1.6rem,3.2vw,2.4rem);font-weight:600;font-style:italic;color:var(--navy);line-height:1.15;margin-bottom:.5rem}
.hero-content .section-label{font-size:.6rem;font-weight:700;text-transform:uppercase;letter-spacing:.15em;color:var(--gold);margin-bottom:.65rem;display:flex;align-items:center;gap:.5rem}
.hero-content .section-label::before{content:'';width:1.5rem;height:1px;background:var(--gold)}
.hero-content h1{font-family:'Playfair Display',serif;font-size:clamp(1.6rem,3.2vw,2.4rem);color:var(--navy);line-height:1.15;font-weight:600;margin-bottom:.6rem}
.hero-content h1 em{color:var(--gold);font-style:italic}
.hero-content p{font-size:.9rem;color:rgba(31,61,46,.55);line-height:1.6;max-width:440px;margin-bottom:1rem}
.hero-btns{display:flex;gap:.6rem;flex-wrap:wrap;justify-content:center}
.btn-primary{background:var(--gold);color:var(--navy);padding:.6rem 1.1rem;border-radius:6px;font-size:.82rem;font-weight:600;text-decoration:none;transition:all .3s;display:inline-flex;align-items:center;gap:.4rem}
.btn-primary:hover{background:var(--gold-light);transform:translateY(-1px)}
.btn-secondary{border:1px solid rgba(31,61,46,.2);color:var(--navy);padding:.6rem 1.1rem;border-radius:6px;font-size:.82rem;font-weight:600;text-decoration:none;transition:all .3s}
.btn-secondary:hover{background:rgba(31,61,46,.04);border-color:var(--navy)}

.hero-right{position:relative;z-index:1;display:flex;align-items:flex-end;justify-content:center;padding-top:64px}
.hero-image-wrap{position:relative;width:100%;max-width:420px;height:90%}
.headshot-container{position:relative;width:100%;height:100%;background:linear-gradient(180deg,var(--navy-mid),var(--navy-light));border-radius:16px 16px 0 0;overflow:hidden;display:flex;align-items:flex-end;justify-content:center}
.headshot-img{width:100%;height:100%;object-fit:cover;object-position:center top}
.hero-stats{position:absolute;bottom:0;left:-1rem;right:-1rem;display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(173,151,79,.1)}
.hero-stat{background:var(--navy);padding:.6rem .5rem;text-align:center}
.hero-stat .stat-num{font-family:'Playfair Display',serif;font-size:1.4rem;font-weight:700;color:var(--gold);line-height:1}
.hero-stat .stat-label{font-size:.55rem;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.08em;margin-top:.15rem}

.states-bar{background:var(--navy);padding:.6rem 0;border-top:1px solid rgba(173,151,79,.08)}
.states-bar-inner{max-width:1200px;margin:0 auto;display:flex;flex-direction:column;align-items:center;gap:.4rem;padding:0 1rem}
.states-label{font-size:.55rem;font-weight:700;text-transform:uppercase;letter-spacing:.15em;color:var(--gold);margin-bottom:.1rem}
.states-list{display:flex;flex-wrap:wrap;justify-content:center;gap:.3rem}
.states-list span{font-family:'DM Sans',sans-serif;font-size:.65rem;font-weight:600;color:rgba(255,255,255,.5);background:rgba(255,255,255,.06);padding:.2rem .45rem;border-radius:4px;letter-spacing:.03em;transition:all .2s}
.states-list span:hover{color:var(--gold);background:rgba(173,151,79,.12)}
.states-list .state-home{background:var(--gold-pale);color:var(--navy);font-weight:700}
.states-list .state-home:hover{background:var(--gold);color:var(--navy)}

.trust-bar{background:var(--navy-mid);padding:.45rem 0;border-top:1px solid rgba(173,151,79,.1);border-bottom:1px solid rgba(173,151,79,.1)}
.trust-bar-inner{max-width:1200px;margin:0 auto;display:flex;align-items:center;justify-content:center;gap:1.5rem;padding:0 1rem;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:.3rem;font-size:.6rem;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.05em}
.trust-item .gold-dot{width:4px;height:4px;background:var(--gold);border-radius:50%}

.container{max-width:1200px;margin:0 auto;padding:0 clamp(1rem,3vw,2.5rem)}
.section-label{font-size:.6rem;font-weight:700;text-transform:uppercase;letter-spacing:.15em;color:var(--gold-muted);margin-bottom:.65rem;display:flex;align-items:center;gap:.5rem}
.section-label::before{content:'';width:1.5rem;height:1px;background:var(--gold-muted)}
h2{font-family:'Playfair Display',serif;font-size:clamp(1.6rem,3.2vw,2.4rem);color:var(--navy);line-height:1.15;margin-bottom:1rem}
h2 em{color:var(--gold);font-style:italic}

.about{padding:4.5rem 0;background:var(--navy)}
.about-grid{display:grid;grid-template-columns:1fr 1.5fr;gap:3rem;align-items:center}
.about-image{position:relative}
.img-frame{background:var(--navy-mid);border-radius:12px;aspect-ratio:4/5;overflow:hidden;position:relative}
.img-frame img{width:100%;height:100%;object-fit:cover;object-position:center top}
.img-frame::after{content:'';position:absolute;inset:0;border:1px solid rgba(173,151,79,.2);border-radius:12px;pointer-events:none}
.credential-badge{position:absolute;bottom:-1rem;right:-.75rem;background:var(--navy);border:1px solid rgba(173,151,79,.3);border-radius:8px;padding:.5rem .75rem;display:flex;flex-direction:column;gap:.1rem}
.credential-badge .badge-label{font-size:.5rem;color:var(--gold);text-transform:uppercase;letter-spacing:.1em;font-weight:700}
.credential-badge .badge-value{font-size:.72rem;color:var(--white);font-weight:500}
.about .section-label{color:var(--gold)}
.about .section-label::before{background:var(--gold)}
.about-text h2{color:var(--white);text-align:center}
.about-text h2 em{color:var(--gold)}
.about-text p{font-size:.88rem;color:rgba(255,255,255,.6);line-height:1.85;margin-bottom:.75rem}
.about-text p strong{color:var(--gold-light)}
.about-highlights{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin-top:1.5rem}
.highlight-card{background:linear-gradient(135deg,var(--navy-mid),rgba(173,151,79,.06));border:1.5px solid rgba(173,151,79,.25);border-radius:10px;padding:.9rem .8rem;transition:all .3s;text-align:center;position:relative;overflow:hidden}
.highlight-card::before{content:'';position:absolute;top:0;left:50%;transform:translateX(-50%);width:40px;height:2px;background:linear-gradient(90deg,transparent,var(--gold),transparent);border-radius:2px}
.highlight-card:hover{border-color:var(--gold);transform:translateY(-2px);box-shadow:0 4px 20px rgba(173,151,79,.12)}
.highlight-card .hl-num{font-family:'Playfair Display',serif;font-size:clamp(1.6rem,3vw,2.2rem);font-weight:700;color:var(--gold);font-style:italic;line-height:1.1;text-shadow:0 0 20px rgba(173,151,79,.2)}
.highlight-card .hl-text{font-size:clamp(.78rem,1.3vw,.88rem);color:rgba(255,255,255,.7);margin-top:.25rem;font-weight:500;letter-spacing:.01em}

.team{padding:4rem 0;background:var(--white);border-top:1px solid rgba(31,61,46,.04);border-bottom:1px solid rgba(173,151,79,.05)}
.team .section-label{justify-content:center}.team .section-label::before{display:none}
.team h2{text-align:center}
.team-intro{text-align:center;font-size:.82rem;color:var(--text-light);max-width:480px;margin:0 auto .75rem;line-height:1.5}
.team-grid{display:flex;justify-content:center;gap:1rem;flex-wrap:wrap}
.team-card{background:var(--cream);border:1px solid rgba(31,61,46,.06);border-radius:12px;padding:1.25rem;display:flex;flex-direction:column;align-items:center;text-align:center;gap:.75rem;min-width:300px;max-width:400px;transition:all .3s}
.team-card:hover{border-color:var(--gold);box-shadow:0 4px 16px rgba(173,151,79,.08)}
.team-avatar{width:52px;height:52px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:1rem;font-weight:600;color:var(--gold);flex-shrink:0}
.team-avatar-img{width:52px;height:52px;border-radius:50%;object-fit:cover;flex-shrink:0;border:2px solid var(--gold)}
.team-info .team-name{font-family:'Playfair Display',serif;font-size:.95rem;color:var(--navy);font-weight:600}
.team-info .team-role{font-size:.7rem;color:var(--gold-muted);text-transform:uppercase;letter-spacing:.08em;font-weight:700;margin-top:.1rem}
.team-info .team-contact{display:flex;flex-direction:column;align-items:center;gap:.15rem;margin-top:.35rem}
.team-info .team-contact a{font-size:.75rem;color:var(--text-light);text-decoration:none;transition:color .2s}
.team-info .team-contact a:hover{color:var(--gold)}
.team-info .team-contact span{font-size:.75rem;color:var(--text-light)}
.team-save-btn{margin-top:.5rem;font-size:.7rem;font-weight:600;color:var(--gold);display:flex;align-items:center;justify-content:center;gap:.35rem;letter-spacing:.03em}

.services{padding:4.5rem 0;background:var(--navy);position:relative}
.services::before{display:none}
.services .container{position:relative;z-index:1}
.services .section-label{justify-content:center}.services .section-label::before{display:none}
.services h2{color:var(--white);text-align:center}
.services-intro{font-size:.85rem;color:rgba(255,255,255,.6);line-height:1.7;max-width:550px;margin:0 auto 1.5rem;text-align:center}
.service-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:1.25rem}
.service-card{background:rgba(255,255,255,.04);border:1px solid rgba(173,151,79,.15);border-radius:12px;padding:1.5rem 1.35rem;transition:all .3s;position:relative;overflow:hidden}
.service-card::before{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,var(--gold),transparent);opacity:0;transition:opacity .3s}
.service-card:hover{border-color:rgba(173,151,79,.4);transform:translateY(-2px)}.service-card:hover::before{opacity:1}
.card-icon{width:36px;height:36px;border-radius:8px;background:rgba(173,151,79,.12);display:flex;align-items:center;justify-content:center;margin-bottom:.5rem}
.card-icon svg{width:18px;height:18px;stroke:var(--gold);fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.service-card h3{font-family:'Playfair Display',serif;font-size:1.05rem;color:var(--white);margin-bottom:.35rem;font-weight:600}
.service-card p{font-size:.78rem;color:rgba(255,255,255,.55);line-height:1.6;margin-bottom:.6rem}
.card-examples{border-top:1px solid rgba(173,151,79,.12);padding-top:.5rem}
.card-examples .example-label{font-size:.55rem;text-transform:uppercase;letter-spacing:.1em;color:var(--gold-muted);font-weight:700;margin-bottom:.3rem}
.card-examples ul{list-style:none;display:flex;flex-direction:column;gap:.2rem}
.card-examples li{font-size:.72rem;color:rgba(255,255,255,.5);padding-left:.75rem;position:relative}
.card-examples li::before{content:'';position:absolute;left:0;top:.4em;width:4px;height:4px;border-radius:50%;background:var(--gold-muted)}

.digital-lenders{padding:4rem 0;background:var(--cream);text-align:center}
.digital-lenders .section-label{justify-content:center}.digital-lenders .section-label::before{display:none}
.digital-lenders h2{text-align:center;width:100%}
.dl-intro{text-align:center;font-size:.82rem;color:var(--text-light);max-width:480px;margin:0 auto .75rem;line-height:1.5}
.dl-grid{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;max-width:700px;margin:0 auto}
.dl-card{background:var(--white);border:1px solid rgba(31,61,46,.06);border-radius:12px;padding:1.25rem;text-align:center;text-decoration:none;transition:all .3s;display:flex;flex-direction:column;align-items:center;gap:.5rem}
.dl-card:hover{border-color:var(--gold);box-shadow:0 4px 16px rgba(173,151,79,.1);transform:translateY(-2px)}
.dl-icon{width:44px;height:44px;border-radius:10px;background:var(--navy);display:flex;align-items:center;justify-content:center;border:none}
.dl-icon svg{width:22px;height:22px;stroke:var(--gold);fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.dl-card h3{font-family:'Playfair Display',serif;font-size:1rem;color:var(--navy);font-weight:600;margin:0}
.dl-card p{font-size:.75rem;color:var(--text-light);line-height:1.5;margin:0;flex:1}
.dl-card .dl-btn{font-size:.72rem;font-weight:600;color:var(--gold);text-transform:uppercase;letter-spacing:.08em;border:1px solid rgba(173,151,79,.3);padding:.35rem .75rem;border-radius:6px;transition:all .3s;margin-top:auto}
.dl-card:hover .dl-btn{background:var(--gold);color:var(--navy)}
.dl-card[style*="navy-mid"]:hover{border-color:rgba(173,151,79,.3) !important;box-shadow:0 4px 16px rgba(0,0,0,.3)}

.reviews{padding:4.5rem 0;background:var(--navy);position:relative;overflow:hidden}
.reviews::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='40' height='40' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M20 0v40M0 20h40' stroke='%23C8A55C' stroke-width='.3' opacity='.03'/%3E%3C/svg%3E")}
.reviews .container{position:relative;z-index:1}
.reviews .section-label{color:var(--gold);justify-content:center}.reviews .section-label::before{display:none}
.reviews h2{color:var(--white);text-align:center}
.reviews-intro{text-align:center;font-size:.82rem;color:rgba(255,255,255,.45);max-width:480px;margin:0 auto .75rem;line-height:1.5}
.review-badge{display:flex;align-items:center;justify-content:center;gap:1rem;margin-bottom:.75rem}
.review-badge-item{display:flex;align-items:center;gap:.4rem}
.badge-stars{display:flex;gap:.1rem}
.badge-stars svg{width:12px;height:12px;fill:var(--gold)}
.badge-text{font-size:.72rem;color:rgba(255,255,255,.5)}.badge-text strong{color:var(--white)}
.reviews-grid{display:grid;grid-template-columns:1fr 1fr;gap:.75rem;margin-bottom:.75rem}
.reviews .section-label+h2{margin-top:0}
.reviews .section-label{margin-bottom:.25rem}
.review-card{background:var(--white);border:1px solid rgba(173,151,79,.15);border-radius:10px;padding:.85rem;position:relative;display:flex;flex-direction:column}
.review-card::before{content:'\201C';position:absolute;top:.5rem;right:1rem;font-family:'Playfair Display',serif;font-size:2.5rem;color:rgba(173,151,79,.12);line-height:1}
.review-stars{display:flex;gap:.15rem;margin-bottom:.4rem}
.review-stars svg{width:12px;height:12px;fill:var(--gold)}
.review-text{font-size:.78rem;color:var(--text-dark);line-height:1.6;font-style:italic;margin-bottom:.5rem;flex:1}
.review-author{display:flex;align-items:center;gap:.5rem;margin-top:auto}
.review-author-avatar{width:28px;height:28px;border-radius:50%;background:rgba(173,151,79,.12);display:flex;align-items:center;justify-content:center;font-family:'Playfair Display',serif;font-size:.65rem;font-weight:600;color:var(--gold)}
.review-name{font-size:.72rem;color:var(--navy);font-weight:600}
.review-source{font-size:.55rem;color:var(--gold-muted);text-transform:uppercase;letter-spacing:.08em}
.reviews-cta{text-align:center;margin-top:.75rem;margin-bottom:0}
.reviews-cta a{display:inline-flex;align-items:center;gap:.4rem;color:var(--gold);font-size:.78rem;font-weight:600;text-decoration:none;border:1px solid rgba(173,151,79,.25);padding:.5rem 1rem;border-radius:6px;transition:all .3s}
.reviews-cta a:hover{background:rgba(173,151,79,.1)}
.reviews-cta a svg{width:14px;height:14px;stroke:var(--gold);fill:none;stroke-width:2}
.reviews-divider{width:160px;height:1px;background:linear-gradient(90deg,transparent,rgba(173,151,79,.3),transparent);margin:2rem auto 1.25rem}

.process{padding:4.5rem 0;background:var(--white);position:relative;overflow:hidden}
.process::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='40' height='40' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M20 0v40M0 20h40' stroke='%23C8A55C' stroke-width='.3' opacity='.04'/%3E%3C/svg%3E")}
.process>*{position:relative;z-index:1}
.process .section-label{justify-content:center;color:var(--gold)}.process .section-label::before{display:none}
.process h2{text-align:center;color:var(--navy)}
.process-intro{text-align:center;font-size:.85rem;color:var(--text-light);max-width:480px;margin:0 auto 1.75rem;line-height:1.5}
.process-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.process-steps::before{content:'';position:absolute;top:1.5rem;left:12%;right:12%;height:1px;background:linear-gradient(90deg,transparent,var(--gold-muted),var(--gold-muted),transparent)}
.step{text-align:center;padding:0 .75rem}
.step-num{width:36px;height:36px;border-radius:50%;border:2px solid var(--gold);display:flex;align-items:center;justify-content:center;margin:0 auto .6rem;font-family:'Playfair Display',serif;font-size:.9rem;font-weight:700;color:var(--gold);background:var(--white);position:relative;z-index:1}
.step h3{font-family:'Playfair Display',serif;font-size:.9rem;color:var(--navy);margin-bottom:.25rem;font-weight:600}
.step p{font-size:.72rem;color:var(--text-light);line-height:1.5}

.cta-section{padding:3.5rem 0;background:var(--cream)}
.cta-section#contact{padding:4.5rem 0;background:var(--navy);position:relative;overflow:hidden}
.cta-section#contact::before{content:'';position:absolute;inset:0;background:url("data:image/svg+xml,%3Csvg width='40' height='40' xmlns='http://www.w3.org/2000/svg'%3E%3Cpath d='M20 0v40M0 20h40' stroke='%23C8A55C' stroke-width='.3' opacity='.04'/%3E%3C/svg%3E")}
.cta-section#contact>*{position:relative;z-index:1}
.cta-box{max-width:none;margin:0 auto;background:transparent;border-radius:0;padding:0;text-align:center;position:relative;overflow:visible}
.cta-box>*{position:relative;z-index:1}
.cta-box .section-label{justify-content:center;color:var(--gold);margin-bottom:.25rem}.cta-box .section-label::before{display:none}
.cta-box h2{color:var(--white);margin-bottom:.5rem;font-size:1.5rem}
.cta-box p{color:rgba(255,255,255,.5);font-size:.85rem;line-height:1.6;max-width:560px;margin:0 auto 1rem}
.cta-btns{display:flex;gap:.6rem;justify-content:center;flex-wrap:wrap}
.cta-contact{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:rgba(173,151,79,.1);border-radius:8px;overflow:hidden;max-width:480px;margin:1.5rem auto 0}
.cta-contact-item{background:var(--navy-mid);padding:.4rem .4rem;text-align:center}
.cc-label{font-size:.5rem;text-transform:uppercase;letter-spacing:.1em;color:var(--gold-muted);font-weight:700;margin-bottom:.1rem}
.cc-value{font-size:.72rem;color:var(--white)}
.cc-value a{color:var(--white);text-decoration:none}

footer{background:var(--navy);border-top:1px solid rgba(173,151,79,.1);padding:.6rem 0 .4rem}
.footer-inner{max-width:1200px;margin:0 auto;padding:0 clamp(1rem,3vw,2.5rem)}
.footer-top{display:flex;flex-direction:column;align-items:center;gap:.6rem;margin-bottom:.5rem}
.f-name{font-family:'Playfair Display',serif;font-size:2.8rem;font-style:italic;font-weight:600;color:var(--gold);text-align:center;letter-spacing:-.5px;line-height:1.1}
.f-logo{font-family:'Cormorant Garamond',serif;font-size:.85rem;letter-spacing:3px;text-align:center}
.f-logo .b-letter{color:var(--white)}.f-logo .l-letter{color:var(--gold);opacity:.6}
.f-tagline{font-size:.65rem;color:rgba(255,255,255,.45);text-transform:uppercase;letter-spacing:.2em;text-align:center;margin-top:.2rem}
.footer-links{display:flex;gap:1rem}
.footer-links a{font-size:.62rem;color:rgba(255,255,255,.4);text-decoration:none;transition:color .3s}
.footer-links a:hover{color:var(--gold)}
.footer-bottom{border-top:1px solid rgba(173,151,79,.06);padding-top:.6rem;text-align:center}
.footer-compliance{font-size:.55rem;color:#FFFFFF;line-height:1.5}
.footer-compliance a{color:rgba(173,151,79,.4);text-decoration:none}
.compliance-line{display:inline}
.compliance-line+.compliance-line::before{content:' | '}
.footer-badges{display:flex;align-items:center;justify-content:center;gap:1.5rem;margin-top:.6rem;padding-top:.5rem;border-top:1px solid rgba(173,151,79,.06)}
.footer-badge{display:flex;align-items:center;gap:.4rem;color:var(--gold-muted);text-decoration:none;transition:color .3s;opacity:.55;transition:opacity .3s}
.footer-badge:hover{opacity:.85}
a.footer-badge{cursor:pointer}
.nmls-logo{width:72px;height:28px;color:var(--gold-muted)}
.eho-logo{width:22px;height:22px;color:var(--gold-muted)}
.eho-badge span{font-size:.45rem;color:rgba(255,255,255,.3);text-transform:uppercase;letter-spacing:.04em;line-height:1.3}

@media(max-width:1080px){
nav .nav-links{display:none !important}
.nav-cta-group{display:none !important}
.nav-hamburger{display:block !important}
.nav-inner{justify-content:space-between}
.nav-dropdown{max-height:calc(100vh - 56px);max-height:calc(100dvh - 56px);overflow-y:auto;-webkit-overflow-scrolling:touch}
}
@media(max-width:900px){
.hero-content{padding:calc(56px + 1.5rem) 1.5rem 2rem}
.about-grid{grid-template-columns:1fr}.about-image{order:-1;max-width:280px;margin:0 auto}
.service-cards{grid-template-columns:1fr}
.reviews-grid{grid-template-columns:1fr}
.dl-grid{grid-template-columns:1fr !important;max-width:400px !important;margin:0 auto}
.process-steps{grid-template-columns:repeat(2,1fr);gap:1rem}.process-steps::before{display:none}
.cta-contact{grid-template-columns:1fr}
.compliance-line{display:block}
.compliance-line+.compliance-line::before{content:none}
}
@media(max-width:600px){.process-steps{grid-template-columns:1fr}.about-highlights{grid-template-columns:1fr}
.nav-dropdown-ctas{flex-direction:column}
.nav-dropdown-ctas .nav-cta{flex:none;width:100%;font-size:.7rem;padding:.6rem .75rem}
}

@keyframes fadeUp{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}
.hero-content .section-label{animation:fadeUp .5s ease both .1s}
.hero-content h1{animation:fadeUp .5s ease both .2s}
.hero-content p{animation:fadeUp .5s ease both .3s}
.hero-btns{animation:fadeUp .5s ease both .4s}

.section-divider{display:flex;align-items:center;justify-content:center;padding:0;margin:0;position:relative;z-index:2;background:transparent;height:0}
.section-divider-inner{display:flex;align-items:center;gap:1rem;width:100%;max-width:600px;padding:0 2rem}
.section-divider-inner::before,.section-divider-inner::after{content:'';flex:1;height:1px;background:linear-gradient(90deg,transparent,rgba(173,151,79,.35),transparent)}
.section-divider-icon{width:8px;height:8px;border:1.5px solid rgba(173,151,79,.4);transform:rotate(45deg);flex-shrink:0}
/* ============================================================
   LEAD FORM — 4-STEP WIZARD (Redesigned)
   ============================================================ */

#lead-form{text-align:left}

/* ── Time badge ── */
.form-time-badge{display:inline-flex;align-items:center;gap:.35rem;background:rgba(173,151,79,.1);border:1px solid rgba(173,151,79,.2);border-radius:20px;padding:.3rem .8rem;font-size:.7rem;color:var(--gold);font-weight:600;margin-top:.5rem}
.form-trust-badges{display:flex;align-items:center;justify-content:center;gap:.6rem;margin-top:.5rem;flex-wrap:wrap}
.form-trust-badge{display:inline-flex;align-items:center;gap:.3rem;font-size:.68rem;color:var(--gold-muted);font-weight:500;letter-spacing:.02em}

/* ── Success celebration ── */
.success-celebration{text-align:center;padding:2rem 1rem}
.success-check{margin-bottom:1rem;animation:successPop .5s ease .2s both}
.success-check svg{width:56px;height:56px}
.success-circle{stroke-dasharray:60;stroke-dashoffset:60;animation:drawCircle .6s ease .3s forwards}
.success-tick{stroke-dasharray:20;stroke-dashoffset:20;animation:drawTick .4s ease .8s forwards}
.success-text{font-family:'Playfair Display',serif;font-size:1.3rem;color:var(--white);margin-bottom:.4rem;animation:successFade .5s ease .6s both}
.success-text strong{color:var(--gold)}
.success-sub{font-size:.82rem;color:rgba(255,255,255,.55);line-height:1.6;max-width:400px;margin:0 auto;animation:successFade .5s ease .8s both}
@keyframes successPop{from{opacity:0;transform:scale(.5)}to{opacity:1;transform:scale(1)}}
@keyframes successFade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}
@keyframes drawCircle{to{stroke-dashoffset:0}}
@keyframes drawTick{to{stroke-dashoffset:0}}

/* ── Testimonials ── */
.testimonials{padding:4.5rem 0;background:var(--navy);position:relative;overflow:hidden}
.testimonials .container{position:relative;z-index:1}
.testimonials h2{text-align:center;color:var(--white)}
.testimonials h2 em{color:var(--gold)}
.testimonials .section-label{color:var(--gold);justify-content:center}
.testimonials .section-label::before,.testimonials .section-label::after{content:'';width:1.5rem;height:1px;background:var(--gold)}
.testimonials-intro{text-align:center;font-size:.85rem;color:rgba(255,255,255,.5);max-width:480px;margin:0 auto 1rem;line-height:1.6}
.testimonials-rating{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:.25rem;margin-bottom:1.75rem;text-align:center}
.testimonials-rating-score{font-family:'Playfair Display',serif;font-size:2.4rem;font-weight:700;color:var(--gold);line-height:1;font-style:italic}
.testimonials-rating-info{text-align:center}
.testimonials-rating-stars{color:var(--gold);font-size:1rem;letter-spacing:.12em;line-height:1}
.testimonials-rating-label{font-size:.65rem;color:rgba(255,255,255,.5);text-transform:uppercase;letter-spacing:.1em;margin-top:.15rem}
.testimonials-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.25rem;max-width:960px;margin:0 auto}
.testimonial-card{background:var(--cream);border:1px solid rgba(173,151,79,.15);border-radius:14px;padding:1.75rem;position:relative;transition:all .4s;overflow:hidden;display:flex;flex-direction:column}
.testimonial-card::before{content:'\201C';position:absolute;top:.75rem;right:1.25rem;font-family:'Playfair Display',serif;font-size:4rem;color:rgba(173,151,79,.12);line-height:1;pointer-events:none}
.testimonial-card::after{content:'';position:absolute;top:0;left:0;right:0;height:2px;background:linear-gradient(90deg,transparent,var(--gold),transparent);opacity:.3}
.testimonial-card:hover{border-color:rgba(173,151,79,.4);transform:translateY(-3px);box-shadow:0 12px 40px rgba(31,61,46,.08),0 0 20px rgba(173,151,79,.06)}
.testimonial-stars{color:var(--gold);font-size:1rem;letter-spacing:.15em;margin-bottom:.75rem}
.testimonial-quote{font-size:.88rem;color:var(--text-dark);line-height:1.7;margin-bottom:1rem;font-style:italic;font-family:'Cormorant Garamond',serif;font-weight:400;flex:1}
.testimonial-author{display:flex;align-items:center;gap:.6rem;border-top:1px solid rgba(173,151,79,.15);padding-top:.85rem;margin-top:auto}
.testimonial-avatar{width:38px;height:38px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--gold-muted));display:flex;align-items:center;justify-content:center;font-size:.7rem;font-weight:700;color:var(--navy);flex-shrink:0;box-shadow:0 2px 8px rgba(173,151,79,.2)}
.testimonial-name{font-size:.78rem;font-weight:600;color:var(--navy)}
.testimonial-detail{font-size:.62rem;color:var(--text-light);text-transform:uppercase;letter-spacing:.06em}

/* ── Progress: Named dot steps ── */
.wizard-progress{margin:0 0 2rem}
.wizard-dots{display:flex;align-items:center;justify-content:center;gap:0}
.wz-dot{display:flex;flex-direction:column;align-items:center;gap:.3rem;background:none;border:none;cursor:pointer;padding:.25rem .5rem;min-width:48px;transition:opacity .2s}
.wz-dot-num{width:28px;height:28px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.72rem;font-weight:600;font-family:'DM Sans',sans-serif;border:2px solid rgba(173,151,79,.2);color:rgba(255,255,255,.35);background:transparent;transition:all .3s}
.wz-dot-label{font-size:.58rem;text-transform:uppercase;letter-spacing:.08em;color:rgba(255,255,255,.3);font-family:'DM Sans',sans-serif;font-weight:600;transition:color .3s;white-space:nowrap}
.wz-dot.active .wz-dot-num{background:var(--gold);color:var(--navy);border-color:var(--gold)}
.wz-dot.active .wz-dot-label{color:var(--gold)}
.wz-dot.done .wz-dot-num{background:transparent;border-color:var(--gold);color:var(--gold)}
.wz-dot.done .wz-dot-label{color:rgba(173,151,79,.6)}
.wz-line{flex:1;height:2px;background:rgba(173,151,79,.12);max-width:50px;position:relative}
.wz-line-fill{position:absolute;inset:0;background:var(--gold);transform:scaleX(0);transform-origin:left;transition:transform .4s ease}
.wz-line.done .wz-line-fill{transform:scaleX(1)}

/* ── Step visibility + animation ── */
.wizard-step{display:none}
.wizard-step.active{display:block;animation:fadeStep .45s cubic-bezier(.4,0,.2,1)}
@keyframes fadeStep{from{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}

/* ── Step header ── */
.step-header{display:flex;align-items:center;gap:.75rem;margin-bottom:1.25rem}
.step-icon{width:40px;height:40px;border-radius:10px;background:rgba(173,151,79,.1);border:1px solid rgba(173,151,79,.15);display:flex;align-items:center;justify-content:center;color:var(--gold);flex-shrink:0}
.step-intro-title{font-family:'Playfair Display',serif;font-size:1.05rem;font-weight:600;color:var(--gold);line-height:1.2}
.step-intro-sub{font-size:.75rem;color:rgba(255,255,255,.45);margin-top:.15rem}

/* ── Form cards (visual grouping) ── */
.form-card{background:rgba(255,255,255,.04);border:1px solid rgba(173,151,79,.1);border-radius:12px;padding:1.25rem 1.35rem;margin-bottom:1rem}
.form-card-label{font-family:'Playfair Display',serif;font-size:.85rem;font-weight:600;color:var(--gold-light);margin-bottom:.65rem;letter-spacing:-.01em}
.form-card-desc{font-size:.72rem;color:rgba(255,255,255,.4);margin-bottom:.65rem;line-height:1.5}
.form-card-final{background:rgba(173,151,79,.05);border-color:rgba(173,151,79,.18)}

/* ── Form grid ── */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:.75rem .9rem}
.form-group{display:flex;flex-direction:column;position:relative}
.form-group.col-2{grid-column:1/-1}

/* ── Labels ── */
.form-group label{font-size:.68rem;font-weight:600;color:rgba(255,255,255,.8);margin-bottom:.2rem;text-transform:uppercase;letter-spacing:.06em}
.form-group label .req{color:#ff6b6b;font-weight:700}

/* ── Inputs ── */
#lead-form input[type="text"],#lead-form input[type="email"],#lead-form input[type="tel"],#lead-form select,#lead-form textarea{
  font-family:'DM Sans',sans-serif;font-size:.8rem;color:var(--text-dark);background:var(--white);
  border:1.5px solid rgba(173,151,79,.18);border-radius:8px;padding:.5rem .7rem;
  transition:border-color .2s,box-shadow .2s;width:100%;-webkit-appearance:none;appearance:none;
}
#lead-form input:focus,#lead-form select:focus,#lead-form textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(173,151,79,.18)}
#lead-form input::placeholder,#lead-form textarea::placeholder{color:rgba(107,124,147,.45)}
#lead-form select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%236B7C93' stroke-width='2'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right .7rem center;padding-right:1.8rem}
#lead-form textarea{resize:vertical;min-height:70px}

/* ── DOB ── */
.dob-selects{display:grid;grid-template-columns:1.4fr .8fr 1fr;gap:.35rem}
.dob-selects select{min-width:0}

/* ── Helpers ── */
.field-helper{font-size:.62rem;color:rgba(255,255,255,.4);margin-top:.15rem;font-style:italic}

/* ── Errors ── */
.field-error{border-color:#ff6b6b !important;box-shadow:0 0 0 3px rgba(255,107,107,.15) !important}
.inline-error{font-size:.66rem;color:#ff6b6b;margin-top:.15rem;font-weight:500}

/* ── Consent ── */
.consent-row{margin:0 0 .75rem;text-align:left}
.consent-label{display:flex;gap:.5rem;align-items:flex-start;cursor:pointer;font-size:.7rem;color:rgba(255,255,255,.55);line-height:1.5}
.consent-label input[type="checkbox"]{margin-top:.15rem;flex-shrink:0;accent-color:var(--gold);width:16px;height:16px}
.insurance-toggle-row{margin:0 0 .75rem;padding:.65rem .75rem;background:rgba(173,151,79,.06);border:1px solid rgba(173,151,79,.12);border-radius:8px}
.toggle-label{display:flex;align-items:center;justify-content:space-between;gap:.75rem;cursor:pointer}
.toggle-text{font-size:.75rem;color:rgba(255,255,255,.65);line-height:1.4}
.toggle-switch{flex-shrink:0;position:relative}
.toggle-switch input{position:absolute;opacity:0;width:0;height:0}
.toggle-track{display:block;width:40px;height:22px;background:rgba(255,255,255,.12);border-radius:11px;position:relative;transition:background .3s}
.toggle-thumb{position:absolute;top:2px;left:2px;width:18px;height:18px;background:#fff;border-radius:50%;transition:transform .3s,background .3s;box-shadow:0 1px 3px rgba(0,0,0,.3)}
.toggle-switch input:checked+.toggle-track{background:var(--gold)}
.toggle-switch input:checked+.toggle-track .toggle-thumb{transform:translateX(18px);background:var(--navy)}

/* ── Turnstile ── */
.turnstile-wrap{margin:0 0 .75rem;display:flex;justify-content:center}

/* ── Submit button ── */
.form-submit-btn{width:100%;padding:.7rem 1.5rem;font-size:.88rem;position:relative;display:flex;align-items:center;justify-content:center;gap:.4rem;cursor:pointer;border:none}
.form-submit-btn:disabled{opacity:.7;cursor:not-allowed}
.form-submit-btn .btn-text{display:flex;align-items:center;gap:.4rem;transition:opacity .2s}
.form-submit-btn .btn-spinner{width:20px;height:20px;border:2.5px solid rgba(31,61,46,.2);border-top-color:var(--navy);border-radius:50%;animation:spin .6s linear infinite;position:absolute}
@keyframes spin{to{transform:rotate(360deg)}}

/* ── Wizard nav ── */
.wizard-nav{display:flex;gap:.5rem;margin-top:.75rem}
.wizard-btn-back{flex:0 0 auto;padding:.55rem 1.1rem;font-size:.78rem;font-weight:600;font-family:'DM Sans',sans-serif;border:1.5px solid rgba(173,151,79,.25);background:transparent;color:var(--gold);border-radius:6px;cursor:pointer;transition:all .2s}
.wizard-btn-back:hover{border-color:var(--gold);background:rgba(173,151,79,.06)}
.wizard-btn-next{flex:1;padding:.55rem 1.1rem;font-size:.82rem;font-weight:600;font-family:'DM Sans',sans-serif;background:var(--gold);color:var(--navy);border:none;border-radius:6px;cursor:pointer;transition:all .2s}
.wizard-btn-next:hover{background:var(--gold-light);transform:translateY(-1px)}

/* ── Messages ── */
.form-msg{padding:1rem 1.25rem;border-radius:10px;font-size:.82rem;line-height:1.6;margin-bottom:1rem;text-align:left}
.form-msg-success{background:rgba(173,151,79,.1);border:1px solid rgba(173,151,79,.3);color:rgba(255,255,255,.85);display:flex;align-items:center;gap:.75rem}
.form-msg-success strong{color:var(--gold)}
.form-msg-error{background:rgba(255,107,107,.1);border:1px solid rgba(255,107,107,.25);color:#ff6b6b}

/* ── CTA box ── */
#lead-form{max-width:720px;margin:0 auto}

/* ── Responsive ── */
@media(max-width:768px){
  .form-grid{gap:.45rem .6rem}
  .wz-dot{padding:.25rem .3rem;min-width:40px}
  .wz-dot-label{font-size:.52rem}
  .wz-line{max-width:35px}
}
@media(max-width:600px){
  .form-grid{grid-template-columns:1fr}
  .form-group.col-2{grid-column:1}
  .wizard-nav{flex-direction:column}
  .wizard-btn-back{text-align:center}
  .step-header{gap:.5rem}
  .step-icon{width:34px;height:34px;border-radius:8px}
  .step-intro-title{font-size:.92rem}
  .wz-dot{min-width:36px;padding:.2rem}
  .wz-dot-num{width:24px;height:24px;font-size:.65rem}
  .wz-dot-label{font-size:.48rem}
  .wz-line{max-width:24px}
}

/* ── Multi-select dropdown ── */
.multi-select{position:relative}
.multi-select-trigger{
  font-family:'DM Sans',sans-serif;font-size:.8rem;color:var(--text-dark);background:var(--white);
  border:1.5px solid rgba(173,151,79,.18);border-radius:8px;padding:.5rem .7rem;
  cursor:pointer;display:flex;align-items:center;justify-content:space-between;
  transition:border-color .2s,box-shadow .2s;min-height:38px;gap:.35rem;
}
.multi-select-trigger:focus,.multi-select.open .multi-select-trigger{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(173,151,79,.18)}
.multi-select-placeholder{color:rgba(107,124,147,.45)}
.multi-select-values{color:var(--text-dark);flex:1;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.multi-select-arrow{flex-shrink:0;transition:transform .2s}
.multi-select.open .multi-select-arrow{transform:rotate(180deg)}
.multi-select-dropdown{
  display:none;position:absolute;top:calc(100% + 4px);left:0;right:0;z-index:50;
  background:var(--white);border:1.5px solid rgba(173,151,79,.25);border-radius:8px;
  box-shadow:0 8px 24px rgba(0,0,0,.12);max-height:220px;overflow-y:auto;
  padding:.3rem 0;
}
.multi-select.open .multi-select-dropdown{display:block}
.form-group .multi-select-option{
  display:flex;align-items:center;gap:.5rem;padding:.45rem .7rem;cursor:pointer;
  font-size:.78rem;color:var(--navy);transition:background .15s;text-transform:none;letter-spacing:normal;font-weight:400;margin-bottom:0;
}
.multi-select-option:hover{background:rgba(173,151,79,.1)}
.multi-select-option input[type="checkbox"]{
  width:16px;height:16px;accent-color:var(--gold);cursor:pointer;flex-shrink:0;
  margin:0;
}
.form-group .multi-select-option span{line-height:1.3;color:var(--navy)}

/* ── Scroll animations ── */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .6s ease,transform .6s ease}
.reveal.visible{opacity:1;transform:translateY(0)}
.reveal-delay-1{transition-delay:.1s}
.reveal-delay-2{transition-delay:.2s}
.reveal-delay-3{transition-delay:.3s}

/* ── FAQ search ── */
.faq-search{width:100%;max-width:420px;margin:0 auto 1.5rem;position:relative}
.faq-search input{width:100%;padding:.7rem 1rem .7rem 2.4rem;border:1px solid rgba(173,151,79,.2);border-radius:8px;background:var(--white);font-size:.85rem;font-family:'DM Sans',sans-serif;color:var(--navy);outline:none;transition:border-color .2s}
.faq-search input:focus{border-color:var(--gold)}
.faq-search svg{position:absolute;left:.75rem;top:50%;transform:translateY(-50%);color:rgba(173,151,79,.5)}
.faq-item.faq-hidden{display:none}
.faq-no-results{text-align:center;color:var(--text-light);font-size:.85rem;padding:1rem 0;display:none}

/* ── Testimonial carousel ── */
.carousel-wrap{position:relative;overflow:hidden}
.carousel-track{display:flex;transition:transform .5s ease}
.carousel-track .review-card{flex:0 0 100%;min-width:0;box-sizing:border-box}
.carousel-dots{display:flex;justify-content:center;gap:.5rem;margin-top:1rem}
.carousel-dot{width:8px;height:8px;border-radius:50%;background:rgba(173,151,79,.25);border:none;cursor:pointer;padding:0;transition:background .2s}
.carousel-dot.active{background:var(--gold)}
.carousel-nav{position:absolute;top:50%;transform:translateY(-50%);background:rgba(173,151,79,.1);border:none;color:var(--gold);width:32px;height:32px;border-radius:50%;cursor:pointer;font-size:1rem;display:flex;align-items:center;justify-content:center;transition:background .2s;z-index:2}
.carousel-nav:hover{background:rgba(173,151,79,.3)}
.carousel-prev{left:0}
.carousel-next{right:0}
@media(min-width:700px){.carousel-track .review-card{flex:0 0 50%}}

/* ── Partner finder ── */
.partner-finder{max-width:420px;margin:0 auto 1.5rem;text-align:center}
.partner-finder select{padding:.6rem 1rem;border:1px solid rgba(173,151,79,.2);border-radius:8px;background:var(--white);font-size:.85rem;font-family:'DM Sans',sans-serif;color:var(--navy);min-width:220px;outline:none;cursor:pointer}
.partner-finder select:focus{border-color:var(--gold)}
.partner-finder-results{margin-top:1rem;text-align:left;max-width:500px;margin-left:auto;margin-right:auto}
.pf-cat{font-size:.6rem;text-transform:uppercase;letter-spacing:1.5px;color:var(--gold);font-weight:700;margin:1rem 0 .4rem;padding-top:.6rem;border-top:1px solid rgba(173,151,79,.1)}
.pf-cat:first-child{border-top:none;padding-top:0;margin-top:.5rem}
.pf-partner{display:flex;align-items:center;gap:.6rem;padding:.5rem .6rem;border-radius:6px;transition:background .2s;font-size:.82rem}
.pf-partner:hover{background:rgba(173,151,79,.06)}
.pf-name{color:var(--navy);font-weight:600;font-size:.82rem}
.pf-role{color:var(--text-light);font-size:.7rem}
.pf-pref{color:var(--gold);font-size:.55rem;font-weight:600}
.pf-none{color:var(--text-light);font-size:.82rem;text-align:center;padding:.5rem 0;font-style:italic}

/* ── Interactive timeline ── */
.timeline{position:relative;max-width:600px;margin:0 auto;padding-left:2rem}
.timeline::before{content:'';position:absolute;left:.75rem;top:0;bottom:0;width:2px;background:rgba(173,151,79,.1)}
.timeline-step{position:relative;margin-bottom:1.5rem;cursor:pointer}
.timeline-dot{position:absolute;left:-1.3rem;top:.2rem;width:14px;height:14px;border-radius:50%;background:rgba(173,151,79,.2);border:2px solid var(--gold);transition:all .3s;z-index:1}
.timeline-step.active .timeline-dot{background:var(--gold);box-shadow:0 0 12px rgba(173,151,79,.4)}
.timeline-header{font-family:'Playfair Display',serif;font-size:1rem;font-weight:600;color:var(--navy);transition:color .2s}
.timeline-step.active .timeline-header{color:var(--gold)}
.timeline-body{max-height:0;overflow:hidden;transition:max-height .4s ease,opacity .3s ease;opacity:0;font-size:.85rem;color:var(--text-light);line-height:1.6;padding-right:1rem}
.timeline-step.active .timeline-body{max-height:300px;opacity:1;margin-top:.5rem}

/* ── Loan quiz ── */
.quiz-wrap{max-width:520px;margin:0 auto;background:var(--white);border-radius:12px;box-shadow:0 4px 24px rgba(0,0,0,.06);padding:2rem;position:relative;overflow:hidden}
.quiz-progress{height:3px;background:rgba(173,151,79,.1);border-radius:2px;margin-bottom:1.5rem}
.quiz-progress-bar{height:100%;background:var(--gold);border-radius:2px;transition:width .3s ease}
.quiz-question{font-family:'Playfair Display',serif;font-size:1.1rem;color:var(--navy);margin-bottom:1rem;font-weight:600}
.quiz-options{display:flex;flex-direction:column;gap:.5rem}
.quiz-opt{padding:.75rem 1rem;border:1px solid rgba(173,151,79,.2);border-radius:8px;background:var(--white);cursor:pointer;font-size:.85rem;font-family:'DM Sans',sans-serif;color:var(--navy);text-align:left;transition:all .2s}
.quiz-opt:hover{border-color:var(--gold);background:rgba(173,151,79,.04)}
.quiz-opt.selected{border-color:var(--gold);background:rgba(173,151,79,.1);font-weight:600}
.quiz-result{text-align:center}
.quiz-result h3{font-family:'Playfair Display',serif;font-size:1.3rem;color:var(--navy);margin-bottom:.5rem}
.quiz-result .loan-type{color:var(--gold);font-size:1.1rem;font-weight:700;margin-bottom:.75rem}
.quiz-result p{color:var(--text-light);font-size:.85rem;line-height:1.6;margin-bottom:1rem}
.quiz-restart{background:none;border:1px solid var(--gold);color:var(--gold);padding:.5rem 1.2rem;border-radius:6px;cursor:pointer;font-size:.8rem;font-family:'DM Sans',sans-serif;transition:all .2s}
.quiz-restart:hover{background:var(--gold);color:var(--navy)}

/* ── Rate ticker ── */
.rate-disclaimer{font-size:.55rem;color:rgba(255,255,255,.25);flex-shrink:0}

/* ── Affordability calc ── */
.afford-result-big{font-family:'Playfair Display',serif;font-size:clamp(1.8rem,4vw,2.8rem);color:var(--gold);font-weight:700;margin:.5rem 0}

/* ============ ACCESSIBILITY / WCAG ============ */
/* Focus-visible outline for keyboard navigation */
*:focus-visible{outline:2px solid var(--gold);outline-offset:2px;border-radius:4px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
/* Remove outline for mouse clicks */
*:focus:not(:focus-visible){outline:none}
/* Skip-nav link */
.skip-nav:focus{top:0 !important;position:fixed !important}
/* Ensure minimum contrast for text */
.calc-field label{color:rgba(173,151,79,.85)}
/* Ensure all interactive elements have pointer cursor */
button,select,[role="button"],[onclick]{cursor:pointer}
/* Reduce motion for users who prefer it */
@media(prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:0.01ms !important;animation-iteration-count:1 !important;transition-duration:0.01ms !important;scroll-behavior:auto !important}}
/* High contrast mode adjustments */
@media(prefers-contrast:high){:root{--gold:#d9975a;--text-light:#d0c8b8}.calc-field label{color:#d9975a}}



/* ============ RESOURCES DROPDOWN — SELF-CONTAINED (DO NOT REMOVE) ============ */
.resources-dropdown{position:relative !important;display:inline-block !important}
.resources-dropdown>.resources-dropdown-toggle{cursor:pointer;display:inline-flex;align-items:center;gap:3px}
.resources-dropdown>.resources-dropdown-toggle::after{content:'';display:inline-block;width:5px;height:5px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);transition:transform .25s;margin-top:-2px}
.resources-dropdown:hover>.resources-dropdown-toggle::after{transform:rotate(-135deg)}
nav .nav-links .resources-dropdown-menu{position:absolute !important;top:calc(100% + .45rem) !important;left:50% !important;transform:translateX(-50%) !important;background:var(--navy) !important;border:1px solid rgba(173,151,79,.15) !important;border-radius:8px !important;box-shadow:0 12px 36px rgba(0,0,0,.45) !important;min-width:190px !important;padding:.45rem 0 !important;z-index:100 !important;max-height:70vh;overflow-y:auto;display:none;flex-direction:column !important}
nav .nav-links .resources-dropdown-menu a{display:block !important;width:100% !important;box-sizing:border-box !important;font-size:.72rem !important;color:rgba(255,255,255,.65) !important;text-decoration:none !important;text-transform:uppercase !important;letter-spacing:.04em !important;font-weight:500 !important;padding:.7rem .9rem !important;transition:all .2s !important;white-space:nowrap !important;border-bottom:1px solid rgba(173,151,79,.06) !important;font-family:'Playfair Display',serif !important;overflow:visible !important;text-overflow:clip !important}
nav .nav-links .resources-dropdown-menu a:last-child{border-bottom:none !important}
nav .nav-links .resources-dropdown-menu a:hover{color:var(--gold) !important;background:rgba(173,151,79,.1) !important}
/* ============ END RESOURCES DROPDOWN ============ */

/* Mobile Resources Toggle */
.mob-resources-toggle{display:flex !important;align-items:center !important}.mob-resources-toggle::after{display:none !important;content:none !important}


.mob-resources-sub{display:none;padding-left:1rem;background:rgba(173,151,79,.03);max-height:50vh;overflow-y:auto}
.mob-resources-sub.open{display:block}