/* ==========================================================================
   Physician Home Loans — design system v2

   Brief: "plain, not exciting." The fix is not decoration, it is contrast and
   scale. This version leans on four things:
     · Huge display type (Instrument Serif carries 5rem beautifully)
     · The product's own numbers at poster scale — 0%, $2M, 150 days
     · Deep ink bands alternating with paper, so sections land like chapters
     · Optional full-bleed photography that the layout works WITHOUT

   Every image slot degrades to a designed gradient, so the site looks
   finished today and better the day real Arizona photography drops in.

   Palette  ink #0A0F16 · paper #FBFAF7 · green #0E7A57 · gold #E0A526
   Type     Instrument Serif (display) · Public Sans (body) · IBM Plex Mono (data)
   ========================================================================== */

:root {
  --ink: #0A0F16;
  --ink-2: #131C27;
  --ink-3: #1E2A38;
  --body: #3C4757;
  --muted: #6B7787;
  --paper: #FBFAF7;
  --panel: #FFFFFF;
  --panel-2: #F0F1EC;
  --rule: #E3E4DE;
  --rule-2: #C7C9C1;

  --green: #0E7A57;
  --green-dark: #0A5C41;
  --green-soft: #E4F1EB;
  --gold: #E0A526;
  --gold-dark: #B8830F;
  --gold-soft: #FBF0D8;

  --wrap: 1180px;
  --prose: 66ch;
  --r: 3px;
}

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

body {
  margin: 0;
  background: var(--paper);
  color: var(--body);
  font-family: "Public Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  font-size: 17px;
  line-height: 1.62;
  -webkit-font-smoothing: antialiased;
}

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.prose { max-width: var(--prose); }
.prose p + p { margin-top: 1.05em; }

h1, h2, h3, h4 { color: var(--ink); margin: 0; text-wrap: balance; }
h1, h2 { font-family: "Instrument Serif", Georgia, "Times New Roman", serif;
  font-weight: 400; letter-spacing: -.018em; }
h1 { font-size: clamp(2.8rem, 6.6vw, 5rem); line-height: .98; }
h2 { font-size: clamp(2rem, 4.2vw, 3.2rem); line-height: 1.06; }
h3 { font-size: 1.15rem; font-weight: 650; letter-spacing: -.005em; }
h4 { font-size: .98rem; font-weight: 650; }
p { margin: 0; }

a { color: var(--green); text-underline-offset: 3px; }
a:hover { color: var(--green-dark); }
:focus-visible { outline: 2px solid var(--gold); outline-offset: 3px; border-radius: 2px; }

.eyebrow {
  font-family: "IBM Plex Mono", ui-monospace, monospace;
  font-size: .7rem; font-weight: 500; letter-spacing: .16em;
  text-transform: uppercase; color: var(--muted);
}
.mono { font-family: "IBM Plex Mono", ui-monospace, monospace; }

.skip { position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--ink); color: #fff; padding: 12px 18px; }
.skip:focus { left: 0; }

/* ---- Header ------------------------------------------------------------- */
.hdr { background: rgba(251,250,247,.92); backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--rule); position: sticky; top: 0; z-index: 60; }
.hdr-in { display: flex; align-items: center; gap: 24px; min-height: 70px; }
.brand { display: flex; flex-direction: column; text-decoration: none; line-height: 1.05; margin-right: auto; }
.brand b { font-family: "Instrument Serif", Georgia, serif; font-weight: 400;
  font-size: 1.45rem; color: var(--ink); letter-spacing: -.01em; }
.brand span { font-size: .64rem; letter-spacing: .13em; text-transform: uppercase;
  color: var(--muted); font-family: "IBM Plex Mono", monospace; margin-top: 3px; }
.nav { display: flex; gap: 26px; align-items: center; }
.nav a { color: var(--ink-2); text-decoration: none; font-size: .91rem; font-weight: 500; }
.nav a:hover { color: var(--green); }
@media (max-width: 900px) { .nav { display: none; } }

/* ---- Buttons ------------------------------------------------------------ */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font: inherit; font-size: .96rem; font-weight: 650; line-height: 1;
  padding: 17px 30px; border-radius: var(--r); border: 1.5px solid transparent;
  text-decoration: none; cursor: pointer;
  transition: background .16s ease, color .16s ease, border-color .16s ease, transform .16s ease;
}
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--green); color: #fff; border-color: var(--green); }
.btn-primary:hover { background: var(--green-dark); border-color: var(--green-dark); color: #fff; }
.btn-gold { background: var(--gold); color: var(--ink); border-color: var(--gold); }
.btn-gold:hover { background: #F0B739; color: var(--ink); border-color: #F0B739; }
.btn-ghost { border-color: var(--rule-2); color: var(--ink); background: transparent; }
.btn-ghost:hover { border-color: var(--ink); background: var(--panel-2); color: var(--ink); }
.btn-on-dark { border-color: rgba(255,255,255,.4); color: #fff; }
.btn-on-dark:hover { background: rgba(255,255,255,.12); color: #fff; border-color: #fff; }
.btn-row { display: flex; flex-wrap: wrap; gap: 13px; }

/* ==========================================================================
   HERO — the whole "not exciting" fix starts here.
   Layered: ink ground, a warm radial bloom, an optional photograph, then a
   scrim so type stays legible whether or not the photo exists.
   ========================================================================== */
.hero { position: relative; background: var(--ink); color: #C9D2DD;
  padding: clamp(70px, 9vw, 116px) 0 0; overflow: hidden; isolation: isolate; }
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: -2;
  background:
    radial-gradient(90% 120% at 8% -10%, rgba(224,165,38,.20) 0%, transparent 55%),
    radial-gradient(70% 100% at 100% 0%, rgba(14,122,87,.28) 0%, transparent 60%),
    var(--ink);
}
/* Photograph slot. Empty by default — the gradient above stands alone. */
.hero-img { position: absolute; inset: 0; z-index: -3; }
.hero-img img { width: 100%; height: 100%; object-fit: cover; opacity: .34; }
.hero.has-img::before { background:
  linear-gradient(100deg, rgba(10,15,22,.96) 12%, rgba(10,15,22,.72) 62%, rgba(10,15,22,.5) 100%); }

.hero h1 { color: #fff; max-width: 17ch; }
.hero .eyebrow { color: var(--gold); }
.hero .lede { font-size: clamp(1.08rem, 1.5vw, 1.3rem); color: #A9B4C2;
  margin-top: 22px; max-width: 54ch; }
.hero .btn-row { margin-top: 34px; }
.hero-head { padding-bottom: clamp(48px, 6vw, 78px); }

/* The tagline. Bigger now — it is a brand asset, not a footnote. */
.sig { margin-top: 40px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,.15);
  font-family: "Instrument Serif", Georgia, serif; font-style: italic;
  font-size: clamp(1.6rem, 2.8vw, 2.3rem); color: var(--gold); line-height: 1.1; }
.sig small { display: block; font-family: "IBM Plex Mono", monospace; font-style: normal;
  font-size: .66rem; letter-spacing: .14em; text-transform: uppercase;
  color: #7C8798; margin-top: 12px; }

/* ---- Stat band — the product's own numbers at poster scale -------------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr);
  border-top: 1px solid rgba(255,255,255,.16); }
.stats > div { padding: 30px 26px 34px; border-right: 1px solid rgba(255,255,255,.16); }
.stats > div:first-child { padding-left: 0; }
.stats > div:last-child { border-right: 0; }
.stats b { display: block; font-family: "Instrument Serif", Georgia, serif;
  font-weight: 400; font-size: clamp(2.4rem, 4.4vw, 3.6rem); line-height: 1;
  color: var(--gold); letter-spacing: -.02em; }
.stats span { display: block; margin-top: 11px; font-size: .82rem; line-height: 1.4;
  color: #94A0B0; max-width: 22ch; }
@media (max-width: 880px) {
  .stats { grid-template-columns: repeat(2, 1fr); }
  .stats > div { padding: 24px 20px; border-bottom: 1px solid rgba(255,255,255,.16); }
  .stats > div:nth-child(2n) { border-right: 0; }
  .stats > div:nth-child(3) { padding-left: 0; }
}
@media (max-width: 460px) { .stats { grid-template-columns: 1fr; }
  .stats > div { border-right: 0; padding-left: 0; } }

/* Load-in. Starts visible, so the page reads fine with JS or motion off. */
@media (prefers-reduced-motion: no-preference) {
  .hero-head > * { animation: rise .62s cubic-bezier(.2,.7,.3,1) backwards; }
  .hero-head > *:nth-child(2) { animation-delay: .05s; }
  .hero-head > *:nth-child(3) { animation-delay: .1s; }
  .hero-head > *:nth-child(4) { animation-delay: .15s; }
  .hero-head > *:nth-child(5) { animation-delay: .2s; }
  @keyframes rise { from { opacity: .001; transform: translateY(14px); } }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

/* ---- Sections ----------------------------------------------------------- */
.sec { padding: clamp(62px, 7.5vw, 104px) 0; }
.sec-tight { padding: 56px 0; }
.sec-alt { background: var(--panel-2); }
.sec-dark { background: var(--ink); color: #A9B4C2; }
.sec-dark h2, .sec-dark h3 { color: #fff; }
.sec-dark .eyebrow { color: var(--gold); }
.sec-head { max-width: var(--prose); margin-bottom: 44px; }
.sec-head .eyebrow { display: block; margin-bottom: 16px; }
.sec-head p { margin-top: 18px; font-size: 1.04rem; }

/* A hairline gold rule as the section motif — cheap, and it ties the page. */
.sec-head h2::after {
  content: ""; display: block; width: 54px; height: 2px;
  background: var(--gold); margin-top: 22px;
}

/* ---- Cards -------------------------------------------------------------- */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 1px;
  background: var(--rule); border: 1px solid var(--rule); }
.card { background: var(--panel); padding: 34px 30px; }
.sec-alt .cards { background: var(--rule-2); border-color: var(--rule-2); }
.card h3 { margin-bottom: 11px; }
.card p { font-size: .95rem; }
.card .num { font-family: "Instrument Serif", Georgia, serif; font-size: 2.1rem;
  line-height: 1; color: var(--gold); display: block; margin-bottom: 16px; }

/* ---- Full-bleed band (image optional) ---------------------------------- */
.band { position: relative; background: var(--ink-2); color: #C9D2DD;
  padding: clamp(64px, 8vw, 108px) 0; overflow: hidden; isolation: isolate; }
.band::before { content: ""; position: absolute; inset: 0; z-index: -2;
  background: radial-gradient(80% 130% at 90% 10%, rgba(14,122,87,.32) 0%, transparent 60%),
              radial-gradient(60% 100% at 0% 100%, rgba(224,165,38,.16) 0%, transparent 60%),
              var(--ink-2); }
.band-img { position: absolute; inset: 0; z-index: -3; }
.band-img img { width: 100%; height: 100%; object-fit: cover; opacity: .3; }
.band h2 { color: #fff; }
.band p { color: #A9B4C2; margin-top: 18px; max-width: 56ch; font-size: 1.05rem; }
.band .eyebrow { color: var(--gold); }

/* ---- Tier table --------------------------------------------------------- */
.tscroll { overflow-x: auto; }
table.grid { width: 100%; border-collapse: collapse; }
table.grid th { text-align: left; font-family: "IBM Plex Mono", monospace;
  font-size: .67rem; font-weight: 500; letter-spacing: .13em; text-transform: uppercase;
  color: var(--muted); padding: 0 20px 12px 0; border-bottom: 2px solid var(--ink);
  white-space: nowrap; }
table.grid td { padding: 20px 20px 20px 0; border-bottom: 1px solid var(--rule);
  vertical-align: baseline; font-size: .96rem; }
table.grid td:first-child, table.grid td:nth-child(2) {
  font-family: "IBM Plex Mono", monospace; font-weight: 600; color: var(--ink);
  font-variant-numeric: tabular-nums; white-space: nowrap; }
table.grid td:nth-child(2) { color: var(--green); font-size: 1.05rem; }
table.grid td:nth-child(3) { font-family: "Instrument Serif", Georgia, serif;
  font-size: 1.5rem; color: var(--ink); white-space: nowrap; }
table.grid tr:last-child td { border-bottom: 0; }

/* ---- Rules list --------------------------------------------------------- */
.rules { display: flex; flex-direction: column; }
.rule { padding: 30px 0; border-bottom: 1px solid var(--rule);
  display: grid; grid-template-columns: 240px 1fr; gap: 30px; }
.rule:first-child { border-top: 1px solid var(--rule); }
.rule h3 { font-size: 1.02rem; }
.rule .why { margin-top: 12px; font-size: .91rem; color: var(--muted);
  border-left: 2px solid var(--gold); padding-left: 16px; }
@media (max-width: 760px) { .rule { grid-template-columns: 1fr; gap: 10px; } }

/* ---- Degree chips ------------------------------------------------------- */
.chips { display: flex; flex-wrap: wrap; gap: 9px; }
.chip { font-family: "IBM Plex Mono", monospace; font-size: .9rem; font-weight: 600;
  background: var(--ink); color: #fff; padding: 11px 19px; border-radius: 2px;
  letter-spacing: .02em; }
.chip.cond { background: transparent; color: var(--muted); border: 1px dashed var(--rule-2); }
.chip-note { font-size: .87rem; color: var(--muted); margin-top: 20px; max-width: 62ch; }
.sec-dark .chip { background: var(--gold); color: var(--ink); }
.sec-dark .chip.cond { background: transparent; color: #94A0B0; border-color: rgba(255,255,255,.28); }
.sec-dark .chip-note { color: #94A0B0; }

/* ---- City grid ---------------------------------------------------------- */
.state-block + .state-block { margin-top: 48px; }
.state-block h3 { font-family: "IBM Plex Mono", monospace; font-size: .7rem;
  letter-spacing: .15em; text-transform: uppercase; color: var(--muted); font-weight: 500;
  padding-bottom: 12px; border-bottom: 1px solid var(--rule-2); margin-bottom: 8px; }
.city-list { display: grid; grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 0 30px; }
.city-list a { display: block; padding: 15px 0; text-decoration: none; color: var(--ink);
  font-weight: 600; font-size: 1.02rem; border-bottom: 1px solid var(--rule);
  transition: padding-left .16s ease, color .16s ease; }
.city-list a:hover { color: var(--green); padding-left: 8px; }
.city-list a span { display: block; font-size: .79rem; color: var(--muted); font-weight: 400; margin-top: 2px; }
.sec-dark .city-list a, .band .city-list a { color: #fff; border-bottom-color: rgba(255,255,255,.14); }
.sec-dark .city-list a:hover, .band .city-list a:hover { color: var(--gold); }
.sec-dark .state-block h3, .band .state-block h3 { color: #94A0B0; border-bottom-color: rgba(255,255,255,.2); }

/* ---- Anchors ------------------------------------------------------------ */
.anchors { list-style: none; padding: 0; margin: 20px 0 0; display: flex;
  flex-direction: column; gap: 13px; }
.anchors li { padding-left: 24px; position: relative; font-size: .95rem; }
.anchors li::before { content: ""; position: absolute; left: 0; top: .52em;
  width: 9px; height: 9px; background: var(--gold); }

/* ---- FAQ ---------------------------------------------------------------- */
.faq { border-top: 2px solid var(--ink); }
.faq details { border-bottom: 1px solid var(--rule); }
.faq summary { cursor: pointer; padding: 24px 0; font-weight: 650; color: var(--ink);
  font-size: 1.06rem; list-style: none; display: flex; justify-content: space-between;
  gap: 20px; align-items: baseline; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary:hover { color: var(--green); }
.faq summary::after { content: "+"; font-family: "IBM Plex Mono", monospace;
  color: var(--gold); font-size: 1.5rem; line-height: 1; flex: none; }
.faq details[open] summary::after { content: "–"; }
.faq details > div { padding: 0 0 26px; max-width: var(--prose); font-size: .97rem; }

/* ---- Form --------------------------------------------------------------- */
.form-card { background: var(--panel); border: 1px solid var(--rule);
  border-top: 3px solid var(--gold); padding: 34px; }
.field { display: flex; flex-direction: column; gap: 7px; margin-bottom: 17px; }
.field label { font-size: .83rem; font-weight: 650; color: var(--ink); }
.field input, .field select, .field textarea {
  font: inherit; font-size: .96rem; padding: 13px 15px; border: 1px solid var(--rule-2);
  border-radius: var(--r); background: var(--paper); color: var(--ink); width: 100%; }
.field textarea { min-height: 100px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus {
  border-color: var(--green); outline: none; box-shadow: 0 0 0 3px var(--green-soft); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 17px; }
@media (max-width: 560px) { .form-row { grid-template-columns: 1fr; } }
.hp { position: absolute; left: -9999px; }
.form-note { font-size: .79rem; color: var(--muted); margin-top: 16px; }

/* ---- Two-column layout helper ------------------------------------------ */
.split { display: grid; grid-template-columns: 1.18fr 1fr; gap: 60px; align-items: start; }
.split-wide { grid-template-columns: 1.3fr 1fr; }
@media (max-width: 900px) { .split, .split-wide { grid-template-columns: 1fr; gap: 44px; } }

/* ---- CTA band ----------------------------------------------------------- */
.cta { background: var(--green); color: #fff; padding: clamp(56px, 7vw, 88px) 0;
  position: relative; overflow: hidden; }
.cta::before { content: ""; position: absolute; inset: 0;
  background: radial-gradient(60% 140% at 88% 0%, rgba(224,165,38,.3) 0%, transparent 62%); }
.cta .wrap { position: relative; }
.cta h2 { color: #fff; }
.cta h2::after { background: rgba(255,255,255,.55); }
.cta p { color: #CBE5DA; margin-top: 18px; max-width: 54ch; font-size: 1.05rem; }
.cta .btn-row { margin-top: 32px; }
.cta .btn-ghost { border-color: rgba(255,255,255,.5); color: #fff; }
.cta .btn-ghost:hover { background: rgba(255,255,255,.14); border-color: #fff; color: #fff; }

/* ---- Callout ------------------------------------------------------------ */
.callout { background: var(--gold-soft); border-left: 4px solid var(--gold); padding: 26px 30px; }
.callout h3 { margin-bottom: 8px; }
.callout p { font-size: .96rem; }
.callout.green { background: var(--green-soft); border-left-color: var(--green); }

/* ---- Officer strip ------------------------------------------------------ */
.officer { display: flex; align-items: center; gap: 48px; }
.officer img { width: 260px; height: 300px; object-fit: cover; flex: none;
  border-bottom: 4px solid var(--gold); }
.officer h2 { font-size: clamp(2rem, 3.4vw, 2.8rem); }
.officer h2::after { display: none; }
@media (max-width: 760px) {
  .officer { flex-direction: column; align-items: flex-start; gap: 28px; }
  .officer img { width: 180px; height: 210px; }
}

/* ---- City photograph ---------------------------------------------------- */
.city-photo { margin: 0; }
.city-photo img { display: block; width: 100%; height: clamp(240px, 36vw, 440px); object-fit: cover; }

/* ---- Footer ------------------------------------------------------------- */
.ftr { background: var(--ink); color: #7C8798; padding: 72px 0 36px; font-size: .88rem; }
.ftr a { color: #B8C2CE; text-decoration: none; }
.ftr a:hover { color: var(--gold); }
.ftr h4 { color: #fff; font-size: .68rem; letter-spacing: .15em; text-transform: uppercase;
  font-family: "IBM Plex Mono", monospace; font-weight: 500; margin-bottom: 18px; }
.ftr-grid { display: grid; grid-template-columns: 1.7fr 1fr 1fr; gap: 48px; }
@media (max-width: 820px) { .ftr-grid { grid-template-columns: 1fr; gap: 34px; } }
.ftr ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 10px; }
.legal { margin-top: 52px; padding-top: 30px; border-top: 1px solid rgba(255,255,255,.13);
  font-size: .77rem; line-height: 1.65; color: #66707E; display: flex; flex-direction: column; gap: 14px; }
.legal strong { color: #A9B4C2; }
.eho { display: inline-flex; align-items: center; gap: 10px; color: #A9B4C2;
  font-weight: 650; font-size: .78rem; }
.eho svg { flex: none; }

/* ---- Sticky call bar ---------------------------------------------------- */
.callbar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 90;
  background: var(--gold); padding: 14px 18px; display: none;
  box-shadow: 0 -3px 18px rgba(10,15,22,.24); }
.callbar a { display: flex; align-items: center; justify-content: center; gap: 10px;
  color: var(--ink); font-weight: 700; text-decoration: none; font-size: 1.02rem; }
@media (max-width: 900px) { .callbar { display: block; } body { padding-bottom: 66px; } }

/* ---- Breadcrumb --------------------------------------------------------- */
.crumb { font-size: .8rem; color: var(--muted); padding: 18px 0 0;
  font-family: "IBM Plex Mono", monospace; }
.crumb a { color: var(--muted); text-decoration: none; }
.crumb a:hover { color: var(--green); text-decoration: underline; }

/* ---- Portrait (About) --------------------------------------------------- */
.portrait { margin: 0; }
.portrait img { display: block; width: 100%; height: auto; object-fit: cover;
  border-bottom: 4px solid var(--gold); }
.portrait figcaption { margin-top: 16px; font-family: "IBM Plex Mono", monospace;
  font-size: .74rem; line-height: 1.6; color: var(--muted); letter-spacing: .02em; }

/* ==========================================================================
   Calculator
   ========================================================================== */
.calc-grid { display: grid; grid-template-columns: 1fr 1.05fr; gap: 52px; align-items: start; }
@media (max-width: 940px) { .calc-grid { grid-template-columns: 1fr; gap: 40px; } }

.calc-form { background: var(--panel); border: 1px solid var(--rule);
  border-top: 3px solid var(--green); padding: 32px; }
.calc-h { font-family: "IBM Plex Mono", monospace; font-size: .7rem; font-weight: 500;
  letter-spacing: .16em; text-transform: uppercase; color: var(--muted); margin-bottom: 26px; }
.calc-h::after { display: none; }

.input-pre, .input-post { display: flex; align-items: stretch; }
.input-pre span, .input-post span {
  display: flex; align-items: center; padding: 0 14px; background: var(--panel-2);
  border: 1px solid var(--rule-2); color: var(--muted); font-size: .92rem;
  font-family: "IBM Plex Mono", monospace; }
.input-pre span { border-right: 0; border-radius: var(--r) 0 0 var(--r); }
.input-post span { border-left: 0; border-radius: 0 var(--r) var(--r) 0; }
.input-pre input { border-radius: 0 var(--r) var(--r) 0; }
.input-post input { border-radius: var(--r) 0 0 var(--r); }
.calc-form input, .calc-form select { font-variant-numeric: tabular-nums; }

.calc-note { font-size: .79rem; color: var(--muted); margin-top: 6px; line-height: 1.5; }
.calc-adv { margin-top: 22px; border-top: 1px solid var(--rule); padding-top: 18px; }
.calc-adv summary { cursor: pointer; font-size: .86rem; font-weight: 650; color: var(--ink);
  list-style: none; display: flex; justify-content: space-between; align-items: center; }
.calc-adv summary::-webkit-details-marker { display: none; }
.calc-adv summary::after { content: "+"; font-family: "IBM Plex Mono", monospace;
  color: var(--gold); font-size: 1.3rem; line-height: 1; }
.calc-adv[open] summary::after { content: "–"; }
.calc-adv > div, .calc-adv > p { margin-top: 18px; }

/* ---- Output ------------------------------------------------------------- */
.calc-out { position: sticky; top: 92px; }
@media (max-width: 940px) { .calc-out { position: static; } }

.verdict { display: flex; flex-direction: column; gap: 7px; padding: 22px 26px;
  border-left: 4px solid var(--rule-2); background: var(--panel-2); margin-bottom: 26px; }
.verdict strong { color: var(--ink); font-size: 1.05rem; }
.verdict span { font-size: .91rem; color: var(--body); }
.verdict.ok { background: var(--green-soft); border-left-color: var(--green); }
.verdict.warn { background: var(--gold-soft); border-left-color: var(--gold); }
.verdict.no { background: #FBEAE6; border-left-color: #B3462C; }

.calc-total { background: var(--ink); color: #fff; padding: 30px; }
.calc-total .eyebrow { color: var(--gold); display: block; }
.calc-total b { display: block; font-family: "Instrument Serif", Georgia, serif;
  font-weight: 400; font-size: clamp(2.8rem, 5.6vw, 4rem); line-height: 1;
  margin-top: 12px; letter-spacing: -.02em; }
.calc-sub { display: block; font-size: .82rem; color: #94A0B0; margin-top: 12px; line-height: 1.5; }

.calc-table { width: 100%; border-collapse: collapse; margin-top: 0; }
.calc-table td { padding: 15px 0; border-bottom: 1px solid var(--rule); font-size: .95rem; }
.calc-table td:last-child { text-align: right; font-family: "IBM Plex Mono", monospace;
  font-weight: 600; color: var(--ink); font-variant-numeric: tabular-nums; }
.calc-table tr.hi td { color: var(--green); font-weight: 650; }
.calc-table tr.hi td:last-child { color: var(--green); }

.calc-save, .calc-res { margin-top: 0; }
.calc-save.on, .calc-res.on { margin-top: 26px; padding: 24px 26px; background: var(--panel-2);
  border-left: 4px solid var(--gold); }
.calc-res.on { border-left-color: var(--green); }
.calc-save b, .calc-res b { display: block; font-family: "Instrument Serif", Georgia, serif;
  font-weight: 400; font-size: 2rem; line-height: 1; color: var(--ink); margin-top: 10px; }
.calc-save .calc-sub, .calc-res .calc-sub { color: var(--muted); }

.calc-disclaim { font-size: .75rem; color: var(--muted); margin-top: 26px; line-height: 1.6; }

/* ==========================================================================
   Paid landing page  (/lp/*)
   Denser and more commercial than the organic site: offer, proof and form
   all above the fold, one path through.
   ========================================================================== */
.hdr-bare .nav { display: flex; }
@media (max-width: 640px) { .hdr-bare .nav .btn { padding: 13px 18px; font-size: .88rem; } }

.lp-hero { position: relative; background: var(--ink); color: #C9D2DD;
  padding: clamp(44px, 5.5vw, 72px) 0 clamp(48px, 6vw, 76px); overflow: hidden; isolation: isolate; }
.lp-hero::before { content: ""; position: absolute; inset: 0; z-index: -2;
  background: radial-gradient(85% 110% at 6% -12%, rgba(224,165,38,.22) 0%, transparent 56%),
              radial-gradient(65% 95% at 100% 8%, rgba(14,122,87,.30) 0%, transparent 58%),
              var(--ink); }
.lp-hero-grid { display: grid; grid-template-columns: 1.02fr .98fr; gap: 52px; align-items: start; }
@media (max-width: 940px) { .lp-hero-grid { grid-template-columns: 1fr; gap: 36px; } }
.lp-hero h1 { color: #fff; font-size: clamp(2.5rem, 5.2vw, 4rem); max-width: 15ch; margin-top: 14px; }
.lp-hero .eyebrow { color: var(--gold); }
.lp-hero .btn-row { margin-top: 30px; }

.lp-trio { list-style: none; padding: 0; margin: 26px 0 0; display: flex;
  flex-direction: column; gap: 13px; }
.lp-trio li { padding-left: 30px; position: relative; font-size: 1.06rem; color: #C9D2DD; }
.lp-trio li::before { content: ""; position: absolute; left: 0; top: .46em;
  width: 12px; height: 12px; background: var(--gold); }
.lp-trio b { color: #fff; font-weight: 700; }

.lp-sig { margin-top: 28px; font-family: "Instrument Serif", Georgia, serif;
  font-style: italic; font-size: 1.5rem; color: var(--gold); line-height: 1.15; }

/* ---- Trust strip -------------------------------------------------------- */
.lp-trust { background: var(--panel-2); border-bottom: 1px solid var(--rule); }
.lp-trust .wrap { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px;
  background: var(--rule); }
.lp-trust > .wrap > div { background: var(--panel-2); padding: 26px 24px 28px; }
.lp-trust b { display: block; font-family: "Instrument Serif", Georgia, serif;
  font-weight: 400; font-size: 2.1rem; line-height: 1; color: var(--ink); letter-spacing: -.02em; }
.lp-trust span { display: block; margin-top: 9px; font-size: .84rem; line-height: 1.45;
  color: var(--muted); }
@media (max-width: 880px) {
  .lp-trust .wrap { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 480px) { .lp-trust .wrap { grid-template-columns: 1fr; } }

/* ---- Recent closings ---------------------------------------------------- */
.closings-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 14px; }
.closings-grid img { display: block; width: 100%; height: 220px; object-fit: cover; }

/* ---- Video -------------------------------------------------------------- */
.sr { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }

.video-sec .sec-head { margin-bottom: 34px; }
.video-frame {
  display: block; position: relative; width: 100%; aspect-ratio: 16 / 9;
  padding: 0; border: 0; border-radius: 3px; overflow: hidden; cursor: pointer;
  background: var(--ink-2); font: inherit;
}
.video-frame img { width: 100%; height: 100%; object-fit: cover; display: block; }
iframe.video-frame { cursor: auto; }
.video-frame:hover img { opacity: .82; }
.video-frame .video-play {
  position: absolute; left: 50%; top: 50%; transform: translate(-50%, -50%);
  width: 84px; height: 84px; border-radius: 50%; background: var(--gold);
  display: grid; place-items: center;
  box-shadow: 0 6px 28px rgba(10, 15, 22, .45);
  transition: transform .18s ease, background .18s ease;
}
.video-frame .video-play::after {
  content: ""; width: 0; height: 0; margin-left: 6px;
  border-left: 26px solid var(--ink);
  border-top: 16px solid transparent; border-bottom: 16px solid transparent;
}
.video-frame:hover .video-play { transform: translate(-50%, -50%) scale(1.07); background: #F0B739; }
.video-frame:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }
@media (max-width: 560px) {
  .video-frame .video-play { width: 62px; height: 62px; }
  .video-frame .video-play::after { border-left-width: 19px; border-top-width: 12px; border-bottom-width: 12px; }
}