/* =========================================================
   Wendy Thompson Lending Team | SmartStart RateSaver
   Palette pulled from the logo; Montserrat echoes "LENDING TEAM",
   Allison echoes the signature script.
   ========================================================= */
:root{
  --navy:#0D3B4F;
  --navy-deep:#082A39;
  --teal:#2E9ABB;
  --teal-soft:#E4F3F8;
  --orange:#E0843A;
  --orange-deep:#C96E25;
  --rust:#B4612C;
  --cream:#FBF7F2;
  --ink:#1B2A33;
  --muted:#5A6B75;
  --line:#E3E8EB;
  --white:#fff;
  --radius:18px;
  --radius-sm:10px;
  --shadow:0 18px 40px -18px rgba(13,59,79,.35);
  --shadow-sm:0 6px 18px -8px rgba(13,59,79,.25);
  --max:1180px;
  --font-head:"Montserrat",system-ui,sans-serif;
  --font-body:"Mulish",system-ui,sans-serif;
  --font-script:"Allison",cursive;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:90px}
body{margin:0;background:var(--white);color:var(--ink);font-family:var(--font-body);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
main{overflow-x:clip}
a{color:var(--teal)}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--navy);line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2.1rem,5vw,3.6rem);font-weight:800}
h2{font-size:clamp(1.7rem,3.4vw,2.6rem);font-weight:800}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.section{padding:clamp(64px,9vw,110px) 0}
.eyebrow{font-family:var(--font-head);font-weight:600;font-size:.78rem;letter-spacing:.32em;text-transform:uppercase;color:var(--teal);margin-bottom:14px;display:block}
.script{font-family:var(--font-script);font-weight:400;color:var(--orange);font-size:1.45em;letter-spacing:0;line-height:.8}
.lead{font-size:1.15rem;color:var(--muted);max-width:640px}
.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--font-head);font-weight:700;font-size:.95rem;letter-spacing:.04em;text-decoration:none;border:2px solid transparent;border-radius:999px;padding:15px 28px;cursor:pointer;transition:transform .15s,box-shadow .15s,background .15s;line-height:1}
.btn:hover{transform:translateY(-2px)}
.btn-primary{background:var(--orange);color:#fff;box-shadow:0 10px 24px -10px rgba(224,132,58,.8)}
.btn-primary:hover{background:var(--orange-deep)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep)}
.btn-ghost{border-color:currentColor;color:var(--navy);background:transparent}
.btn-ghost.light{color:#fff}
.btn-block{width:100%}
.btn svg{width:18px;height:18px}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.topbar{background:var(--navy);color:#cfe4ec;font-size:.82rem;font-family:var(--font-head)}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;height:76px}
.brand{display:flex;align-items:center;text-decoration:none;flex:none}
.brand img{max-width:none}
.brand img{height:56px;width:auto}
.brand-text{display:none;flex-direction:column;line-height:1}
.brand-text .s{font-family:var(--font-script);color:var(--navy);font-size:2.3rem}
.brand-text .t{font-family:var(--font-head);color:var(--teal);font-size:.6rem;letter-spacing:.55em;margin-top:2px}
.brand.no-img img{display:none}.brand.no-img .brand-text{display:flex}
.nav-links{display:flex;align-items:center;gap:20px;white-space:nowrap;list-style:none;margin:0;padding:0}
.nav-links a{font-family:var(--font-head);font-weight:600;font-size:.88rem;color:var(--navy);text-decoration:none;position:relative}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-6px;height:2px;width:0;background:var(--orange);transition:width .2s}
.nav-links a:hover::after{width:100%}
/* Dropdown menus */
.has-dd{position:relative}
.dd-toggle{display:flex;align-items:center;gap:5px;background:none;border:0;padding:0;cursor:pointer;font-family:var(--font-head);font-weight:600;font-size:.88rem;color:var(--navy)}
.dd-toggle svg{width:15px;height:15px;transition:transform .25s}
.has-dd:hover .dd-toggle svg,.has-dd.open .dd-toggle svg{transform:rotate(180deg)}
.dd{list-style:none;margin:0;padding:10px;position:absolute;top:calc(100% + 18px);left:-18px;min-width:280px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 24px 50px -20px rgba(13,59,79,.45);opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .2s,transform .2s,visibility .2s;z-index:70}
.dd::before{content:"";position:absolute;left:0;right:0;top:-20px;height:20px}
.has-dd:hover .dd,.has-dd:focus-within .dd,.has-dd.open .dd{opacity:1;visibility:visible;transform:none}
.nav-links .dd a{display:block;padding:10px 12px;border-radius:10px;white-space:normal;transition:background .15s}
.nav-links .dd a::after{display:none}
.nav-links .dd a:hover{background:var(--teal-soft)}
.dd a b{display:block;font-family:var(--font-head);font-weight:700;font-size:.9rem;color:var(--navy)}
.dd a small{display:block;font-family:var(--font-body);font-weight:500;font-size:.8rem;color:var(--muted);margin-top:2px}
.nav-cta{display:flex;gap:10px;align-items:center;white-space:nowrap}
.nav-cta .btn{padding:12px 20px;font-size:.85rem}
.menu-toggle{display:none;background:none;border:0;padding:8px;cursor:pointer;color:var(--navy)}
.menu-toggle svg{width:28px;height:28px}

/* Hero */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.hero-bg{position:absolute;inset:0;background-size:cover;background-position:center;opacity:.28}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(105deg,var(--navy) 35%,rgba(13,59,79,.55) 100%)}
.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding-top:clamp(56px,8vw,100px);padding-bottom:clamp(56px,8vw,100px)}
.hero h1{color:#fff}
.hero h1 .script{display:block;color:var(--orange);font-size:1.25em;margin:.1em 0 .05em}
.hero .lead{color:#d5e6ed}
.hero .eyebrow{color:#8fd0e6}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:28px 0 22px}
.hero-proof{display:flex;gap:22px;flex-wrap:wrap;font-family:var(--font-head);font-size:.85rem;color:#cfe4ec}
.hero-proof span{display:flex;align-items:center;gap:8px}
.hero-proof svg{width:18px;height:18px;color:var(--orange)}

.picker{background:#fff;color:var(--ink);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.picker h2{font-size:1.25rem;margin-bottom:4px}
.picker p{color:var(--muted);font-size:.95rem;margin-bottom:18px}
.picker-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.pick{display:flex;flex-direction:column;gap:6px;padding:18px 16px;border:2px solid var(--line);border-radius:14px;text-decoration:none;color:var(--navy);transition:border-color .15s,transform .15s,background .15s}
.pick:hover{border-color:var(--teal);background:var(--teal-soft);transform:translateY(-2px)}
.pick .ico{width:40px;height:40px;border-radius:10px;display:grid;place-items:center;color:#fff}
.pick .ico svg{width:22px;height:22px}
.pick strong{font-family:var(--font-head);font-size:.98rem}
.pick small{color:var(--muted);font-size:.8rem;line-height:1.35}
.c-orange{background:var(--orange)}.c-teal{background:var(--teal)}.c-navy{background:var(--navy)}.c-rust{background:var(--rust)}
.picker .or{display:block;text-align:center;font-size:.85rem;color:var(--muted);margin-top:16px}
.picker .or a{font-weight:700;color:var(--navy)}

/* Trust strip */
.strip{background:var(--cream);border-bottom:1px solid var(--line)}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding-top:26px;padding-bottom:26px}
.stat{display:flex;gap:14px;align-items:center}
.stat b{font-family:var(--font-head);font-size:1.5rem;color:var(--navy);line-height:1}
.stat span{font-size:.85rem;color:var(--muted);line-height:1.3}
.stat > div{display:flex;flex-direction:column;gap:5px}
.stat .dot{width:10px;height:10px;border-radius:50%;flex:none}

/* Calculator */
.calc{display:grid;grid-template-columns:.9fr 1.1fr;gap:0;background:#fff;border-radius:24px;box-shadow:var(--shadow);overflow:hidden;border:1px solid var(--line);margin-top:44px}
.calc-inputs{padding:34px;background:var(--navy);color:#fff}
.calc-inputs h3{color:#fff}
.field{margin-bottom:18px}
.field label{display:flex;justify-content:space-between;font-family:var(--font-head);font-weight:600;font-size:.82rem;letter-spacing:.04em;margin-bottom:8px}
.field label output{color:var(--orange);font-weight:700}
.calc-inputs input[type=range]{width:100%;accent-color:var(--orange)}
.calc-inputs .num{width:100%;padding:12px 14px;border-radius:10px;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.08);color:#fff;font:600 1rem var(--font-head)}
.seg{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;background:rgba(255,255,255,.08);padding:5px;border-radius:12px}
.seg button{border:0;background:transparent;color:#cfe4ec;font:600 .8rem var(--font-head);padding:10px 4px;border-radius:8px;cursor:pointer}
.seg button.on{background:#fff;color:var(--navy)}
.calc-note{font-size:.75rem;color:#9fbfcc;margin-top:14px;line-height:1.45}
.calc-out{padding:34px}
.pay-rows{display:grid;gap:10px;margin:18px 0}
.pay-row{display:grid;grid-template-columns:1fr auto auto;gap:16px;align-items:center;padding:14px 18px;border-radius:12px;background:var(--cream)}
.pay-row .yr{font-family:var(--font-head);font-weight:700;color:var(--navy);font-size:.92rem}
.pay-row .yr small{display:block;font-weight:500;color:var(--muted);font-size:.78rem}
.pay-row .amt{font-family:var(--font-head);font-weight:800;font-size:1.35rem;color:var(--navy)}
.pay-row .save{font-family:var(--font-head);font-weight:700;font-size:.82rem;color:#1d8a5a;background:#e3f5ec;padding:4px 10px;border-radius:999px;white-space:nowrap}
.pay-row.base{background:#fff;border:1px dashed var(--line)}
.big-save{display:flex;align-items:baseline;gap:12px;flex-wrap:wrap;padding:18px 20px;border-radius:14px;background:linear-gradient(120deg,var(--teal) 0%,var(--navy) 100%);color:#fff}
.big-save b{font-family:var(--font-head);font-size:2rem;line-height:1}
.compare{margin-top:16px;padding:16px 18px;border-left:4px solid var(--orange);background:#fff7ef;border-radius:0 12px 12px 0;font-size:.95rem}
.compare b{color:var(--navy)}
.calc-out .btn{margin-top:20px}

/* Steps / explainer */
.bg-cream{background:var(--cream)}
.bg-navy{background:var(--navy);color:#dceaf0}
.bg-navy h2,.bg-navy h3{color:#fff}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:44px;counter-reset:s}
.step{background:#fff;border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-sm);position:relative;transition:transform .3s ease,box-shadow .3s ease}
.step:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.step::before{counter-increment:s;content:"0" counter(s);display:block;font-family:var(--font-head);font-weight:800;font-size:2.4rem;line-height:1;color:var(--teal-soft);-webkit-text-stroke:1px var(--teal);margin-bottom:14px}
.step p{color:var(--muted);margin:0}
.options{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:28px}
.option{border-radius:var(--radius);padding:30px;border:2px solid var(--line);background:#fff}
.option .tag{display:inline-block;font:700 .72rem var(--font-head);letter-spacing:.2em;text-transform:uppercase;padding:6px 12px;border-radius:999px;margin-bottom:14px}
.option p{color:var(--muted);margin:0}

/* Audience tabs */
.tabs{display:flex;gap:8px;justify-content:center;flex-wrap:wrap;margin:36px 0 34px}
.tab{font:700 .9rem var(--font-head);padding:13px 24px;border-radius:999px;border:2px solid var(--line);background:#fff;color:var(--navy);cursor:pointer;display:flex;gap:8px;align-items:center}
.tab[aria-selected=true]{background:var(--navy);border-color:var(--navy);color:#fff}
.panel{display:none}.panel.on{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;animation:fade .35s ease}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.panel-img{border-radius:24px;overflow:hidden;aspect-ratio:4/3;background:var(--teal-soft) center/cover;box-shadow:var(--shadow);position:relative}
.panel-img .badge{position:absolute;left:18px;bottom:18px;background:#fff;border-radius:14px;padding:14px 18px;box-shadow:var(--shadow-sm);font-family:var(--font-head);font-size:.82rem;color:var(--muted);max-width:75%}
.panel-img .badge b{display:block;color:var(--navy);font-size:1.15rem}
.checks{list-style:none;padding:0;margin:20px 0 26px;display:grid;gap:14px}
.checks li{display:grid;grid-template-columns:28px 1fr;gap:12px}
.checks li::before{content:"";width:26px;height:26px;border-radius:50%;background:var(--teal-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232E9ABB' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/14px no-repeat;margin-top:2px}
.checks b{font-family:var(--font-head);color:var(--navy);font-size:.98rem;display:block}
.checks span{color:var(--muted);font-size:.95rem}
.panel-actions{display:flex;gap:12px;flex-wrap:wrap}
.text-link{font:700 .88rem var(--font-head);color:var(--navy);display:inline-flex;align-items:center;gap:6px;text-decoration:none;border-bottom:2px solid var(--orange);padding-bottom:2px}

/* Who I help */
.help-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;margin-top:40px}
.help-card{display:flex;flex-direction:column;gap:8px;padding:24px 20px;background:#fff;border:2px solid var(--line);border-radius:var(--radius);text-decoration:none;color:var(--navy);transition:transform .3s ease,border-color .3s,box-shadow .3s}
.help-card:hover{transform:translateY(-6px);border-color:var(--teal);box-shadow:var(--shadow-sm)}
.help-card .ico{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;color:#fff;margin-bottom:6px}
.help-card .ico svg{width:22px;height:22px}
.help-card strong{font-family:var(--font-head);font-size:1rem;line-height:1.25}
.help-card small{color:var(--muted);font-size:.85rem;line-height:1.4}
.hero-sub .wrap{padding-top:clamp(56px,7vw,90px);padding-bottom:clamp(56px,7vw,90px)}

/* Property-specific */
.prop{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.prop-card{background:#fff;color:var(--ink);border-radius:24px;padding:34px;box-shadow:var(--shadow)}
.mock{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.15);border-radius:18px;padding:22px;margin-top:26px}
.mock-head{display:flex;gap:14px;align-items:center;margin-bottom:14px}
.mock-thumb{width:64px;height:64px;border-radius:12px;background:center/cover;flex:none}
.mock-head b{color:#fff;font-family:var(--font-head);display:block}
.mock-head small{color:#9fbfcc}
.mock-rows div{display:flex;justify-content:space-between;padding:9px 0;border-top:1px solid rgba(255,255,255,.1);font-family:var(--font-head);font-size:.88rem}
.mock-rows div span:last-child{color:#fff;font-weight:700}
.mock-rows .hl span:last-child{color:var(--orange)}
.uses{display:grid;gap:12px;margin:22px 0 0;padding:0;list-style:none}
.uses li{display:flex;gap:12px;align-items:flex-start}
.uses svg{width:20px;height:20px;color:var(--orange);flex:none;margin-top:4px}

/* Refi band */
.refi{background:linear-gradient(115deg,var(--orange) 0%,var(--rust) 100%);color:#fff;border-radius:28px;padding:clamp(34px,5vw,56px);display:grid;grid-template-columns:auto 1fr auto;gap:36px;align-items:center}
.refi h2{color:#fff;margin:0 0 6px}
.refi p{margin:0;color:#fff3e8}
.refi-num{font-family:var(--font-head);font-weight:800;font-size:clamp(4rem,9vw,6.5rem);line-height:.85}
.refi-num small{display:block;font-size:.85rem;letter-spacing:.3em;font-weight:600}
.refi .btn{background:#fff;color:var(--navy)}

/* About */
.about{display:grid;grid-template-columns:.8fr 1.2fr;gap:56px;align-items:center}
.portrait{position:relative;isolation:isolate}
.portrait img{border-radius:24px;width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:50% 20%;box-shadow:var(--shadow)}
.portrait::before{content:"";position:absolute;inset:-14px 14px 14px -14px;border:3px solid var(--teal);border-radius:28px;z-index:-1}
.contact-list{display:grid;gap:10px;margin:22px 0 28px;padding:0;list-style:none}
.contact-list a{font-family:var(--font-head);font-weight:600;color:var(--navy);text-decoration:none}
.contact-list li{display:flex;gap:12px;align-items:center}
.contact-list svg{width:20px;height:20px;color:var(--teal)}

/* Guide */
.guide{display:grid;grid-template-columns:auto 1fr;gap:44px;align-items:center;background:var(--teal-soft);border-radius:28px;padding:clamp(28px,4vw,48px)}
.guide img{width:220px;border-radius:14px;box-shadow:var(--shadow);transform:rotate(-3deg)}
.inline-form{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}
.inline-form input{flex:1 1 200px}

/* FAQ */
.faq{max-width:820px;margin:40px auto 0}
.faq details{border-bottom:1px solid var(--line);padding:6px 0}
.faq summary{list-style:none;cursor:pointer;font-family:var(--font-head);font-weight:700;color:var(--navy);padding:18px 40px 18px 0;position:relative;font-size:1.05rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:12px;font-size:1.6rem;color:var(--orange);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--muted);padding-right:30px}

/* Forms */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-grid .full{grid-column:1/-1}
label.lbl{display:block;font:600 .8rem var(--font-head);color:var(--navy);margin-bottom:6px;letter-spacing:.02em}
input,select,textarea{width:100%;font:500 1rem var(--font-body);color:var(--ink);padding:13px 14px;border:1.5px solid var(--line);border-radius:var(--radius-sm);background:#fff;transition:border-color .15s,box-shadow .15s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 4px rgba(46,154,187,.15)}
textarea{min-height:96px;resize:vertical}
.roles{display:grid;grid-template-columns:repeat(4,1fr);gap:8px}
.roles{position:relative}
.roles input{position:absolute;opacity:0;pointer-events:none;width:1px;height:1px;left:0;top:0}
.roles label{display:block;text-align:center;padding:12px 6px;border:1.5px solid var(--line);border-radius:10px;font:700 .82rem var(--font-head);color:var(--navy);cursor:pointer;transition:all .15s}
.roles input:checked+label{background:var(--navy);border-color:var(--navy);color:#fff}
.roles input:focus-visible+label{box-shadow:0 0 0 4px rgba(46,154,187,.3)}
.form-fine{font-size:.78rem;color:var(--muted);margin:12px 0 0}
.cta-final{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.cta-final .form-card{background:#fff;border-radius:24px;padding:34px;box-shadow:var(--shadow);color:var(--ink)}
.cta-final .side-list{list-style:none;padding:0;margin:26px 0;display:grid;gap:16px}
.cta-final .side-list li{display:flex;gap:14px;align-items:flex-start}
.cta-final .side-list .n{width:34px;height:34px;flex:none;border-radius:50%;background:var(--orange);color:#fff;display:grid;place-items:center;font:800 .9rem var(--font-head)}
.hidden-field{display:none}

/* Footer */
.site-footer{background:var(--navy-deep);color:#9fbfcc;font-size:.88rem;padding:56px 0 110px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:36px}
.site-footer h4{color:#fff;font-size:.8rem;letter-spacing:.25em;text-transform:uppercase}
.site-footer a{color:#fff;text-decoration:none}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.foot-logo{background:#fff;border-radius:14px;padding:14px 18px;display:inline-block;margin-bottom:16px}
.foot-logo img{height:48px;width:auto}
.legal{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;font-size:.78rem;line-height:1.6;display:flex;gap:18px;align-items:flex-start}
.ehl{flex:none;width:42px;height:42px;color:#fff}

/* Mobile action bar */
.mbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px 12px calc(10px + env(safe-area-inset-bottom));gap:10px;box-shadow:0 -10px 24px -14px rgba(13,59,79,.4)}
.mbar .btn{flex:1;padding:14px 10px;font-size:.88rem}


/* ===== Guide pages ===== */
.crumbs{display:flex;flex-wrap:wrap;gap:8px;align-items:center;font-family:var(--font-head);font-size:.78rem;color:#9fbfcc;margin-bottom:18px}
.crumbs a{color:#cfe4ec;text-decoration:none}.crumbs a:hover{color:#fff}
.quick{max-width:860px;margin:0 auto;background:var(--teal-soft);border-left:6px solid var(--teal);border-radius:0 20px 20px 0;padding:32px 36px}
.quick h2{font-size:clamp(1.35rem,2.6vw,1.8rem);margin-bottom:12px}
.quick p{font-size:1.08rem;margin-bottom:0}
.quick .byline{display:flex;align-items:center;gap:10px;margin-top:18px;font-size:.82rem;color:var(--muted);font-family:var(--font-head)}
.quick .byline img{width:40px;height:40px;border-radius:50%;object-fit:cover;object-position:50% 15%}
.options.three{grid-template-columns:repeat(3,1fr)}
.guide-wrap{display:grid;grid-template-columns:260px 1fr;gap:56px;align-items:start}
.toc{position:sticky;top:130px;background:#fff;border-radius:var(--radius);padding:22px;box-shadow:var(--shadow-sm)}
.toc b{font-family:var(--font-head);color:var(--navy);font-size:.8rem;letter-spacing:.2em;text-transform:uppercase}
.toc ul{list-style:none;margin:12px 0 0;padding:0;display:grid;gap:2px}
.toc a{display:block;padding:7px 10px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:.9rem;line-height:1.35;transition:background .15s,color .15s}
.toc a:hover,.toc a.active{background:var(--teal-soft);color:var(--navy)}
.toc a.active{font-weight:700;box-shadow:inset 3px 0 0 var(--teal)}
.toc a.btn,.toc a.btn:hover{color:#fff;background:var(--orange);box-shadow:0 10px 24px -10px rgba(224,132,58,.8);padding:14px 18px;justify-content:center}
.toc a.btn:hover{background:var(--orange-deep)}
.guide-body{max-width:760px}
.g-sec{scroll-margin-top:130px;margin-bottom:44px}
.g-sec h2{font-size:clamp(1.4rem,2.6vw,1.9rem)}
.g-sec a{color:var(--teal);font-weight:700}
.g-list{padding-left:0;list-style:none;display:grid;gap:12px;margin:0 0 1em}
.g-list li{position:relative;padding-left:30px}
.g-list li::before{content:"";position:absolute;left:0;top:5px;width:18px;height:18px;border-radius:50%;background:var(--teal-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232E9ABB' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/11px no-repeat}
.g-list b{color:var(--navy)}
.mid-cta{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;background:var(--navy);color:#cfe4ec;border-radius:20px;padding:26px 30px}
.mid-cta b{display:block;color:#fff;font-family:var(--font-head);font-size:1.15rem;margin-bottom:4px}
.g-steps{list-style:none;counter-reset:gs;padding:0;margin:44px auto 0;max-width:900px;display:grid;gap:16px}
.g-steps li{counter-increment:gs;display:grid;grid-template-columns:56px 1fr;gap:4px 20px;align-items:start;background:#fff;border:2px solid var(--line);border-radius:18px;padding:20px 24px;transition:transform .3s,border-color .3s}
.g-steps li:hover{transform:translateX(6px);border-color:var(--teal)}
.g-steps li::before{content:counter(gs);grid-row:span 2;width:48px;height:48px;border-radius:50%;background:var(--orange);color:#fff;display:grid;place-items:center;font:800 1.2rem var(--font-head)}
.g-steps b{font-family:var(--font-head);color:var(--navy);font-size:1.05rem}
.g-steps span{color:var(--muted)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.meter{height:10px;border-radius:99px;background:#e6ecef;overflow:hidden;margin-top:18px}
.meter i{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--teal),var(--navy));transition:width .4s ease}
.meter-label{font-family:var(--font-head);font-weight:700;color:var(--navy);font-size:.9rem;margin-top:8px}
.checklist{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.checklist label{display:flex;gap:14px;align-items:flex-start;background:#fff;border:2px solid var(--line);border-radius:14px;padding:14px 16px;cursor:pointer;transition:border-color .2s,background .2s}
.checklist input{width:22px;height:22px;flex:none;margin:1px 0 0;accent-color:var(--teal);padding:0}
.checklist label:has(input:checked){border-color:var(--teal);background:var(--teal-soft)}
.checklist label:has(input:checked) span{text-decoration:line-through;color:var(--muted)}
.myths{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:40px}
.myth{border-radius:18px;overflow:hidden;border:2px solid var(--line);background:#fff}
.myth p{margin:0;padding:18px 22px}
.myth span{display:block;font:800 .72rem var(--font-head);letter-spacing:.2em;text-transform:uppercase;margin-bottom:6px}
.myth .m{background:#fdeedf;color:#6b4a2f;text-decoration:line-through;text-decoration-color:rgba(201,110,37,.5)}
.myth .m span{color:var(--orange-deep);text-decoration:none;display:block}
.myth .f span{color:var(--teal)}
.help-grid.related{grid-template-columns:repeat(4,1fr)}
@media (max-width:1020px){
  .guide-wrap,.two-col{grid-template-columns:1fr}
  .toc{position:static}
  .options.three,.myths{grid-template-columns:1fr 1fr}
  .help-grid.related{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .options.three,.myths,.help-grid.related{grid-template-columns:1fr}
  .quick{padding:24px 22px}
  .g-steps li{grid-template-columns:44px 1fr;padding:16px}
  .g-steps li::before{width:40px;height:40px;font-size:1rem}
  .toc{display:none}
}

/* ===== Motion =====
   Only hides content when JS is running (html.js), so nothing is ever stuck invisible. */
.js .reveal{opacity:0;transform:translateY(28px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1);transition-delay:var(--d,0s)}
.js .reveal.from-left{transform:translateX(-48px)}
.js .reveal.from-right{transform:translateX(48px)}
.js .reveal.zoom{transform:scale(.94)}
.js .reveal.in{opacity:1;transform:none}

/* Hero entrance */
@keyframes rise{from{opacity:0;transform:translateY(26px)}to{opacity:1;transform:none}}
@keyframes popIn{from{opacity:0;transform:translateY(30px) scale(.96)}to{opacity:1;transform:none}}
.js .hero .eyebrow,.js .hero h1,.js .hero .lead,.js .hero-actions,.js .hero-proof{animation:rise .9s cubic-bezier(.2,.7,.2,1) both}
.js .hero h1{animation-delay:.12s}.js .hero .lead{animation-delay:.28s}.js .hero-actions{animation-delay:.42s}.js .hero-proof{animation-delay:.56s}
.js .hero .picker{animation:popIn 1s cubic-bezier(.2,.7,.2,1) .35s both}
.js .pick{animation:rise .7s cubic-bezier(.2,.7,.2,1) both}
.js .pick:nth-child(1){animation-delay:.6s}.js .pick:nth-child(2){animation-delay:.7s}.js .pick:nth-child(3){animation-delay:.8s}.js .pick:nth-child(4){animation-delay:.9s}

/* Slow drifting background photo + floating color glows in the hero */
@keyframes kenburns{from{transform:scale(1)}to{transform:scale(1.1) translate(-1.5%,-1%)}}
.hero-bg{animation:kenburns 24s ease-in-out infinite alternate}
@keyframes drift{0%{transform:translate(0,0)}50%{transform:translate(30px,-24px)}100%{transform:translate(0,0)}}
.glow{position:absolute;border-radius:50%;filter:blur(70px);opacity:.35;z-index:1;pointer-events:none;animation:drift 14s ease-in-out infinite}
.glow.g1{width:340px;height:340px;background:var(--orange);left:-90px;bottom:-120px}
.glow.g2{width:300px;height:300px;background:var(--teal);right:8%;top:-120px;animation-duration:18s;animation-direction:reverse}

/* Script words draw in like handwriting */
.js .reveal .script{display:inline-block;clip-path:inset(0 100% 0 0);transition:clip-path 1.1s cubic-bezier(.6,.1,.2,1) .35s}
.js .reveal.in .script{clip-path:inset(0 -10% 0 0)}

/* Buttons */
.btn svg{transition:transform .2s}
.btn:hover svg{transform:translateX(4px)}
@keyframes ping{0%{box-shadow:0 0 0 0 rgba(224,132,58,.55)}80%,100%{box-shadow:0 0 0 14px rgba(224,132,58,0)}}
.hero-actions .btn-primary,.mbar .btn-primary{animation:ping 2.6s ease-out 1.6s infinite}

/* Header gets a shadow once you scroll */
.site-header{transition:box-shadow .3s}
.site-header.scrolled{box-shadow:0 10px 30px -18px rgba(13,59,79,.45)}

/* Cards lift on hover */
.option,.pick,.prop-card,.form-card,.stat{transition:transform .3s ease,box-shadow .3s ease,border-color .3s}
.option:hover{transform:translateY(-5px);box-shadow:var(--shadow-sm);border-color:var(--teal)}
.stat:hover{transform:translateY(-3px)}

/* Tab panels: photo slides in, list items cascade */
.panel.on .panel-img{animation:popIn .7s cubic-bezier(.2,.7,.2,1) both}
.panel.on .badge{animation:rise .6s cubic-bezier(.2,.7,.2,1) .35s both}
.panel.on .checks li{animation:rise .55s cubic-bezier(.2,.7,.2,1) both}
.panel.on .checks li:nth-child(1){animation-delay:.15s}.panel.on .checks li:nth-child(2){animation-delay:.25s}.panel.on .checks li:nth-child(3){animation-delay:.35s}.panel.on .checks li:nth-child(4){animation-delay:.45s}
.panel-img{transition:transform .5s ease}
.panel-img:hover{transform:scale(1.02)}

/* Calculator: payment rows slide in, savings banner shimmers */
.pay-row{animation:rise .45s cubic-bezier(.2,.7,.2,1) both}
.pay-row:nth-child(2){animation-delay:.07s}.pay-row:nth-child(3){animation-delay:.14s}
@keyframes shimmer{from{background-position:-200% 0}to{background-position:200% 0}}
.big-save{position:relative;overflow:hidden}
.big-save::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,transparent 30%,rgba(255,255,255,.22) 50%,transparent 70%);background-size:200% 100%;animation:shimmer 3.5s ease-in-out infinite}

/* Example-home rows tick in one at a time */
.js .mock-rows div{opacity:0;transform:translateX(-14px);transition:opacity .5s,transform .5s}
.mock-rows.in div{opacity:1;transform:none}
.mock-rows.in div:nth-child(2){transition-delay:.15s}.mock-rows.in div:nth-child(3){transition-delay:.3s}.mock-rows.in div:nth-child(4){transition-delay:.45s}

/* Refi band: the big 5 bobs gently, light sweeps across */
@keyframes bob{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}
.refi-num{animation:bob 4s ease-in-out infinite}
.refi{position:relative;overflow:hidden}
.refi::after{content:"";position:absolute;top:0;bottom:0;width:40%;left:-60%;background:linear-gradient(100deg,transparent,rgba(255,255,255,.18),transparent);transform:skewX(-18deg);animation:sweep 6s ease-in-out 1s infinite}
@keyframes sweep{0%{left:-60%}35%,100%{left:130%}}

/* Portrait frame floats */
@keyframes frame{0%,100%{transform:translate(0,0)}50%{transform:translate(6px,-6px)}}
.portrait::before{animation:frame 6s ease-in-out infinite}

/* Guide cover tilts on hover */
.guide img{transition:transform .5s cubic-bezier(.2,.7,.2,1)}
.guide:hover img{transform:rotate(0) scale(1.04)}

/* FAQ answers slide open */
.faq details[open] p{animation:rise .4s ease both}
.faq summary{transition:color .2s}
.faq summary:hover{color:var(--teal)}

/* Numbered steps in the final section pop */
.js .side-list .n{transform:scale(0);transition:transform .5s cubic-bezier(.3,1.6,.5,1);transition-delay:var(--d,0s)}
.js .side-list li.in .n{transform:scale(1)}

/* Mobile call bar slides up after the hero */
.js .mbar{transform:translateY(110%);transition:transform .4s ease}
.js .mbar.show{transform:none}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important}
  .js .reveal,.js .mock-rows div,.js .side-list .n{opacity:1!important;transform:none!important}
  .js .reveal .script{clip-path:none!important}
  .js .mbar{transform:none}
  html{scroll-behavior:auto}
}

/* Responsive */
@media (max-width:1100px){
  .nav-links{display:none}
  .menu-toggle{display:block}
  .nav-links.open{display:flex;flex-direction:column;position:absolute;top:100%;left:0;right:0;background:#fff;padding:12px 20px 20px;border-bottom:1px solid var(--line);gap:4px;max-height:calc(100vh - 110px);overflow-y:auto;box-shadow:0 24px 40px -24px rgba(13,59,79,.4)}
  .nav-links.open > li{border-bottom:1px solid var(--line);padding:12px 0}
  .nav-links.open > li:last-child{border-bottom:0}
  .nav-links.open .dd-toggle{width:100%;justify-content:space-between;font-size:1rem}
  .nav-links.open > li > a{font-size:1rem}
  .nav-links.open .dd{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:6px 0 0;min-width:0;display:none}
  .nav-links.open .has-dd.open .dd{display:block}
  .nav-links.open .dd::before{display:none}
}
@media (max-width:1020px){
  .nav-cta .btn-ghost{display:none}
  .hero .wrap,.calc,.panel.on,.prop,.about,.cta-final{grid-template-columns:1fr}
  .strip .wrap{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr}
  .help-grid{grid-template-columns:1fr 1fr}
  .refi{grid-template-columns:1fr;text-align:left}
  .foot-grid{grid-template-columns:1fr 1fr}
  .about .portrait{max-width:400px}
}
@media (max-width:640px){
  body{font-size:16px}
  .topbar .hours{display:none}
  .nav{height:66px}
  .brand img{height:44px}
  .nav-cta .btn-primary{display:none}
  .options,.form-grid,.foot-grid{grid-template-columns:1fr}
  .picker{padding:22px}
  .pick{padding:14px 12px}
  .pick small{display:none}
  .roles{grid-template-columns:1fr 1fr}
  .guide{grid-template-columns:1fr}
  .help-grid{grid-template-columns:1fr}
  .guide img{width:160px}
  .calc-inputs,.calc-out,.prop-card,.cta-final .form-card{padding:24px}
  .pay-row{grid-template-columns:1fr auto;}
  .pay-row .save{grid-column:1/-1;justify-self:start}
  .mbar{display:flex}
  .tab{padding:11px 16px;font-size:.84rem}
}