/* Open House Finance — v2 design system.
   Brand palette carried over from the legacy Elementor site: orange #E37530,
   near-black teal #0B191B, soft teal #73A9AD, deep blue #245064, tint #F6F6F6.
   Type is the legacy self-hosted Urbanist (variable, 100-900). */

@font-face {
  font-family: "Urbanist";
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url("/assets/fonts/urbanist-latin.woff2") format("woff2");
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA,
    U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193,
    U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: "Urbanist";
  font-style: normal;
  font-weight: 100 900;
  font-display: swap;
  src: url("/assets/fonts/urbanist-latin-ext.woff2") format("woff2");
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF,
    U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020,
    U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}

:root {
  --brand: #d9661f;
  --brand-strong: #b85114;
  --brand-legacy: #e37530;
  --brand-tint: #fdf1e8;
  --ink: #0b191b;
  --ink-soft: #253537;
  --muted: #55686a;
  --muted-light: #7d8e90;
  --deep: #14343f;
  --teal: #245064;
  --teal-soft: #73a9ad;
  --surface: #ffffff;
  --surface-alt: #f6f6f6;
  --surface-warm: #faf7f4;
  --line: #e2e7e7;
  --line-strong: #cbd4d4;
  --focus: #14343f;
  --shell: 1180px;
  --radius-sm: 8px;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(11, 25, 27, 0.06), 0 4px 12px rgba(11, 25, 27, 0.05);
  --shadow: 0 12px 32px rgba(11, 25, 27, 0.09);
  --shadow-lg: 0 24px 64px rgba(11, 25, 27, 0.14);
  --step: clamp(1rem, 0.92rem + 0.4vw, 1.0625rem);
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

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

/* Author `display` declarations outrank the user-agent [hidden] rule, so the
   multistep buttons would stay visible without this. */
[hidden] {
  display: none !important;
}

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  background: var(--surface);
  color: var(--ink-soft);
  font-family: "Urbanist", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
    "Helvetica Neue", Arial, sans-serif;
  font-size: var(--step);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}

h1,
h2,
h3,
h4 {
  margin: 0 0 0.5em;
  color: var(--ink);
  font-weight: 700;
  line-height: 1.12;
  letter-spacing: -0.021em;
  text-wrap: balance;
}

h1 {
  font-size: clamp(2.15rem, 1.5rem + 2.9vw, 3.65rem);
}
h2 {
  font-size: clamp(1.7rem, 1.32rem + 1.7vw, 2.55rem);
}
h3 {
  font-size: clamp(1.18rem, 1.07rem + 0.5vw, 1.42rem);
}

p {
  margin: 0 0 1.15em;
  text-wrap: pretty;
}
p:last-child {
  margin-bottom: 0;
}

a {
  color: var(--brand-strong);
  text-decoration-thickness: 1px;
  text-underline-offset: 3px;
}
a:hover {
  color: var(--ink);
}

img,
svg {
  max-width: 100%;
  height: auto;
  display: block;
}

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
  border-radius: 4px;
}

.shell {
  width: min(100% - 2.5rem, var(--shell));
  margin-inline: auto;
}

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

.skip-link {
  position: absolute;
  left: 1rem;
  top: -4rem;
  z-index: 100;
  padding: 0.75rem 1.25rem;
  background: var(--ink);
  color: #fff;
  border-radius: 0 0 var(--radius-sm) var(--radius-sm);
  text-decoration: none;
  transition: top 0.15s var(--ease);
}
.skip-link:focus {
  top: 0;
  color: #fff;
}

.eyebrow {
  margin: 0 0 0.7rem;
  font-size: 0.79rem;
  font-weight: 700;
  letter-spacing: 0.13em;
  text-transform: uppercase;
  color: var(--brand-strong);
}

.section {
  padding-block: clamp(3.5rem, 2.4rem + 4.4vw, 6rem);
}
.section-tint {
  background: var(--surface-alt);
}
.section-warm {
  background: var(--surface-warm);
}
.section-dark {
  background: var(--ink);
  color: #d6dfe0;
}
.section-dark h2,
.section-dark h3 {
  color: #fff;
}
.section-dark .eyebrow {
  color: var(--teal-soft);
}
/* The default outline button is dark-on-light and disappears here. */
.section-dark .button-outline,
.cta-band .button-outline {
  border-color: rgba(255, 255, 255, 0.45);
  color: #fff;
}
.section-dark .button-outline:hover,
.cta-band .button-outline:hover {
  border-color: #fff;
  background: #fff;
  color: var(--ink);
}

.lede {
  font-size: clamp(1.06rem, 1rem + 0.35vw, 1.22rem);
  color: var(--muted);
}

/* ---------- buttons ---------- */

.button {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  padding: 0.95rem 1.6rem;
  border: 2px solid transparent;
  border-radius: 999px;
  font-size: 1rem;
  font-weight: 700;
  line-height: 1.15;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.18s var(--ease), color 0.18s var(--ease),
    border-color 0.18s var(--ease), transform 0.18s var(--ease),
    box-shadow 0.18s var(--ease);
}
.button svg {
  width: 1.05em;
  height: 1.05em;
  flex: none;
}
.button:hover {
  transform: translateY(-1px);
}
.button:active {
  transform: translateY(0);
}

.button-primary {
  background: var(--brand);
  border-color: var(--brand);
  color: #fff;
  box-shadow: 0 8px 20px rgba(217, 102, 31, 0.26);
}
.button-primary:hover {
  background: var(--brand-strong);
  border-color: var(--brand-strong);
  color: #fff;
  box-shadow: 0 12px 26px rgba(184, 81, 20, 0.3);
}

.button-outline {
  border-color: var(--line-strong);
  color: var(--ink);
  background: transparent;
}
.button-outline:hover {
  border-color: var(--ink);
  background: var(--ink);
  color: #fff;
}

.button-light {
  background: #fff;
  border-color: #fff;
  color: var(--ink);
}
.button-light:hover {
  background: var(--brand);
  border-color: var(--brand);
  color: #fff;
}

.button-block {
  width: 100%;
  justify-content: center;
}

.button-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.85rem;
  align-items: center;
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  font-weight: 700;
  text-decoration: none;
  color: var(--brand-strong);
}
.text-link svg {
  width: 1em;
  height: 1em;
  transition: transform 0.18s var(--ease);
}
.text-link:hover svg {
  transform: translateX(3px);
}

/* ---------- header ---------- */

.site-header {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(255, 255, 255, 0.94);
  backdrop-filter: saturate(1.4) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner {
  display: flex;
  align-items: center;
  gap: 1rem;
  min-height: 74px;
}
.brand {
  display: flex;
  align-items: center;
  margin-right: auto;
  text-decoration: none;
}
.brand img {
  width: 232px;
  height: 33px;
}
.site-nav {
  display: flex;
  align-items: center;
  gap: 0.35rem;
}
.site-nav a {
  padding: 0.55rem 0.85rem;
  border-radius: var(--radius-sm);
  color: var(--ink);
  font-weight: 600;
  text-decoration: none;
  transition: color 0.15s var(--ease), background-color 0.15s var(--ease);
}
.site-nav a:hover {
  color: var(--brand-strong);
  background: var(--brand-tint);
}
.site-nav a[aria-current="page"] {
  color: var(--brand-strong);
}
.site-nav .nav-cta {
  margin-left: 0.5rem;
  padding: 0.7rem 1.35rem;
  border-radius: 999px;
  background: var(--brand);
  color: #fff;
  box-shadow: 0 6px 16px rgba(217, 102, 31, 0.24);
}
.site-nav .nav-cta:hover {
  background: var(--brand-strong);
  color: #fff;
}
.nav-phone {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  color: var(--ink);
  font-weight: 700;
  text-decoration: none;
  white-space: nowrap;
}
.nav-phone svg {
  width: 1.05em;
  height: 1.05em;
  color: var(--brand-strong);
}
.menu-toggle {
  display: none;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  padding: 0;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  background: #fff;
  color: var(--ink);
  cursor: pointer;
}
.menu-toggle svg {
  width: 24px;
  height: 24px;
}
.menu-toggle .icon-close,
.menu-toggle[aria-expanded="true"] .icon-open {
  display: none;
}
.menu-toggle[aria-expanded="true"] .icon-close {
  display: block;
}

/* ---------- hero ---------- */

.hero {
  position: relative;
  isolation: isolate;
  color: #fff;
  padding-block: clamp(3.5rem, 2rem + 6vw, 7rem);
  background: var(--deep);
}
/* The hero photo is a real <img> rather than a CSS background so it carries the
   cache-busting asset version, a width/height, and fetchpriority for LCP. */
.hero-media {
  position: absolute;
  inset: 0;
  z-index: -2;
  overflow: hidden;
}
.hero-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 42%;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  z-index: -1;
  background-image: linear-gradient(
    100deg,
    rgba(9, 26, 32, 0.93) 0%,
    rgba(9, 26, 32, 0.76) 44%,
    rgba(9, 26, 32, 0.3) 100%
  );
}
.hero-grid {
  display: grid;
  gap: clamp(2rem, 1rem + 3vw, 3.5rem);
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 0.85fr);
  align-items: center;
}
.hero h1 {
  color: #fff;
  margin-bottom: 0.35em;
}
.hero .hero-sub {
  font-size: clamp(1.06rem, 1rem + 0.4vw, 1.24rem);
  color: #cfdadb;
  margin-bottom: 1.75rem;
  max-width: 40ch;
  text-wrap: balance;
}
.hero-trust {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem 1.5rem;
  margin: 2rem 0 0;
  padding: 0;
  list-style: none;
  font-size: 0.94rem;
  color: #b9c8ca;
}
.hero-trust li {
  display: flex;
  align-items: center;
  gap: 0.45rem;
}
.hero-trust svg {
  width: 1.1em;
  height: 1.1em;
  color: var(--teal-soft);
  flex: none;
}

.hero-card {
  padding: clamp(1.5rem, 1.1rem + 1.4vw, 2.25rem);
  background: rgba(255, 255, 255, 0.97);
  color: var(--ink-soft);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg);
}
.hero-card h2 {
  font-size: 1.2rem;
  margin-bottom: 1rem;
}
.contact-list {
  margin: 0 0 1.5rem;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.7rem;
}
.contact-list li {
  display: flex;
  align-items: flex-start;
  gap: 0.7rem;
  font-weight: 600;
}
.contact-list svg {
  width: 1.15em;
  height: 1.15em;
  margin-top: 0.28em;
  color: var(--brand-strong);
  flex: none;
}
.contact-list a {
  color: var(--ink);
  text-decoration: none;
  overflow-wrap: anywhere;
}
.contact-list a:hover {
  color: var(--brand-strong);
  text-decoration: underline;
}

/* ---------- proof strip ---------- */

.proof {
  border-bottom: 1px solid var(--line);
  background: var(--surface-alt);
}
.proof-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 1.5rem;
  padding-block: 2.15rem;
  text-align: center;
}
.proof-grid div {
  display: grid;
  gap: 0.2rem;
}
.proof-grid strong {
  font-size: clamp(1.6rem, 1.35rem + 1vw, 2.15rem);
  font-weight: 700;
  color: var(--ink);
  line-height: 1.05;
  text-wrap: balance;
}
/* Word-shaped values need to sit visually level with the numeric ones. */
.proof-grid div[data-kind="text"] strong {
  font-size: clamp(1.05rem, 0.95rem + 0.45vw, 1.3rem);
  letter-spacing: -0.01em;
}
.proof-grid span {
  font-size: 0.92rem;
  color: var(--muted);
}

/* ---------- section headings ---------- */

.section-heading {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem 2rem;
  align-items: end;
  justify-content: space-between;
  margin-bottom: clamp(2rem, 1.4rem + 1.8vw, 3rem);
}
.section-heading > div {
  max-width: 62ch;
}
.section-heading h2 {
  margin-bottom: 0;
}
.heading-centered {
  max-width: 62ch;
  margin-inline: auto;
  text-align: center;
  margin-bottom: clamp(2rem, 1.4rem + 1.8vw, 3rem);
}
.heading-centered h2 {
  margin-bottom: 0.4em;
}

/* ---------- cards ---------- */

.card-grid {
  display: grid;
  gap: 1.25rem;
  grid-template-columns: repeat(auto-fit, minmax(255px, 1fr));
}
/* Six service cards read better as two rows of three than four-plus-two. */
.card-grid-3 {
  grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
}
.card {
  display: flex;
  flex-direction: column;
  padding: 1.75rem;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  transition: transform 0.2s var(--ease), box-shadow 0.2s var(--ease),
    border-color 0.2s var(--ease);
}
.card:hover {
  transform: translateY(-3px);
  border-color: var(--line-strong);
  box-shadow: var(--shadow);
}
.card-icon {
  display: grid;
  place-items: center;
  width: 48px;
  height: 48px;
  margin-bottom: 1.1rem;
  border-radius: 12px;
  background: var(--brand-tint);
  color: var(--brand-strong);
}
.card-icon svg {
  width: 24px;
  height: 24px;
}
.card h3 {
  margin-bottom: 0.5rem;
}
.card p {
  color: var(--muted);
  font-size: 0.98rem;
}
.card-points {
  margin: 1.1rem 0 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: 0.45rem;
  font-size: 0.94rem;
  color: var(--muted);
}
.card-points li {
  display: flex;
  gap: 0.5rem;
  align-items: flex-start;
}
.card-points svg {
  width: 1.05em;
  height: 1.05em;
  margin-top: 0.32em;
  color: var(--teal-soft);
  flex: none;
}

/* ---------- split ---------- */

.split {
  display: grid;
  gap: clamp(2rem, 1.2rem + 3.2vw, 4rem);
  grid-template-columns: minmax(0, 1fr) minmax(0, 1fr);
  align-items: center;
}
.split-media img {
  width: 100%;
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
  object-fit: cover;
}
/* Landscape source photos look adrift beside a tall column of prose; crop them
   to a portrait ratio so the two halves carry similar weight. */
.split-media-tall img {
  aspect-ratio: 4 / 5;
  height: auto;
}
.split-narrow {
  grid-template-columns: minmax(0, 0.85fr) minmax(0, 1.15fr);
}
.prose > p + p {
  margin-top: 0;
}
.prose strong {
  color: var(--ink);
}

/* ---------- FAQ ---------- */

.faq {
  max-width: 820px;
  margin-inline: auto;
  display: grid;
  gap: 0.75rem;
}
.faq details {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  overflow: hidden;
  transition: border-color 0.18s var(--ease), box-shadow 0.18s var(--ease);
}
.faq details[open] {
  border-color: var(--line-strong);
  box-shadow: var(--shadow-sm);
}
.faq summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.15rem 1.35rem;
  font-weight: 700;
  font-size: 1.04rem;
  color: var(--ink);
  cursor: pointer;
  list-style: none;
}
.faq summary::-webkit-details-marker {
  display: none;
}
.faq summary::after {
  content: "";
  flex: none;
  width: 12px;
  height: 12px;
  border-right: 2.5px solid var(--brand-strong);
  border-bottom: 2.5px solid var(--brand-strong);
  transform: rotate(45deg) translate(-2px, -2px);
  transition: transform 0.2s var(--ease);
}
.faq details[open] summary::after {
  transform: rotate(225deg) translate(-2px, -2px);
}
.faq .faq-body {
  padding: 0 1.35rem 1.35rem;
  color: var(--muted);
}

/* ---------- CTA band ---------- */

.cta-band {
  background: linear-gradient(115deg, var(--deep) 0%, #0b191b 100%);
  color: #cfdadb;
  padding-block: clamp(3rem, 2.2rem + 3vw, 4.5rem);
}
.cta-inner {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 1.75rem;
}
.cta-inner > div:first-child {
  max-width: 46ch;
}
.cta-inner h2 {
  color: #fff;
  margin-bottom: 0.35em;
}
.cta-inner p {
  color: #b9c8ca;
}
.phone-link {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: #fff;
  font-weight: 700;
  font-size: 1.06rem;
  text-decoration: none;
}
.phone-link:hover {
  color: var(--teal-soft);
}
.phone-link svg {
  width: 1.1em;
  height: 1.1em;
}

/* ---------- page hero ---------- */

.page-hero {
  padding-block: clamp(2.75rem, 2rem + 3vw, 4.5rem);
  background: var(--surface-alt);
  border-bottom: 1px solid var(--line);
}
.page-hero .shell {
  max-width: 72ch;
}
.page-hero h1 {
  margin-bottom: 0.3em;
}
.breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.4rem;
  margin: 0 0 1rem;
  padding: 0;
  list-style: none;
  font-size: 0.88rem;
  color: var(--muted-light);
}
.breadcrumbs a {
  color: var(--muted);
  text-decoration: none;
}
.breadcrumbs a:hover {
  color: var(--brand-strong);
  text-decoration: underline;
}
.breadcrumbs li + li::before {
  content: "/";
  margin-right: 0.4rem;
  color: var(--line-strong);
}

/* ---------- process steps ---------- */

.steps {
  display: grid;
  gap: 1.5rem;
  grid-template-columns: repeat(auto-fit, minmax(255px, 1fr));
  counter-reset: step;
}
.steps article {
  position: relative;
  padding-top: 1.5rem;
  border-top: 3px solid var(--brand);
}
.steps span {
  display: block;
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  color: var(--brand-strong);
  margin-bottom: 0.5rem;
}
.steps h3 {
  margin-bottom: 0.4rem;
}
.steps p {
  color: var(--muted);
  font-size: 0.98rem;
}

/* ---------- forms ---------- */

.form-panel {
  padding: clamp(1.5rem, 1.1rem + 1.6vw, 2.5rem);
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
}
.field {
  display: grid;
  gap: 0.4rem;
  margin-bottom: 1.1rem;
}
.field label,
.fieldset > legend {
  font-size: 0.92rem;
  font-weight: 700;
  color: var(--ink);
}
.field-row {
  display: grid;
  gap: 0 1rem;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
}
input[type="text"],
input[type="email"],
input[type="tel"],
input[type="number"],
select,
textarea {
  width: 100%;
  padding: 0.85rem 1rem;
  border: 1.5px solid var(--line-strong);
  border-radius: var(--radius-sm);
  background: #fff;
  color: var(--ink);
  font-family: inherit;
  font-size: 1rem;
  line-height: 1.4;
  transition: border-color 0.15s var(--ease), box-shadow 0.15s var(--ease);
}
select {
  appearance: none;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2355686a' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 0.9rem center;
  background-size: 1.15rem;
  padding-right: 2.75rem;
}
textarea {
  min-height: 8.5rem;
  resize: vertical;
}
input:focus,
select:focus,
textarea:focus {
  outline: none;
  border-color: var(--brand);
  box-shadow: 0 0 0 3px rgba(217, 102, 31, 0.16);
}
input[aria-invalid="true"],
select[aria-invalid="true"],
textarea[aria-invalid="true"] {
  border-color: #b3261e;
}
.field-error {
  min-height: 1.2em;
  font-size: 0.86rem;
  font-weight: 600;
  color: #b3261e;
}
.honeypot {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
.form-status {
  margin-top: 1rem;
  padding: 0.9rem 1.1rem;
  border-radius: var(--radius-sm);
  font-weight: 600;
}
.form-status:empty {
  display: none;
}
.form-status[data-tone="ok"] {
  background: #e8f4ee;
  color: #14653a;
}
.form-status[data-tone="error"] {
  background: #fdecea;
  color: #8c1d18;
}
.form-note {
  margin-top: 1rem;
  font-size: 0.85rem;
  color: var(--muted-light);
}

/* ---------- apply (multistep) ---------- */

.apply-shell {
  width: min(100% - 2.5rem, 760px);
  margin-inline: auto;
  padding-block: clamp(2rem, 1.4rem + 2.4vw, 3.5rem);
}
.apply-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 0.6rem;
  margin: 1.25rem 0 0;
  padding: 0;
  list-style: none;
}
.apply-badges li {
  display: inline-flex;
  align-items: center;
  gap: 0.45rem;
  padding: 0.5rem 0.95rem;
  border: 1.5px solid var(--line-strong);
  border-radius: 999px;
  font-size: 0.88rem;
  font-weight: 700;
  color: var(--ink);
  background: #fff;
}
.apply-badges svg {
  width: 1.05em;
  height: 1.05em;
  color: var(--brand-strong);
}

.progress {
  margin-bottom: 1.75rem;
}
.progress-meta {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  margin-bottom: 0.5rem;
  font-size: 0.85rem;
  font-weight: 700;
  color: var(--muted);
}
.progress-track {
  height: 8px;
  border-radius: 999px;
  background: var(--line);
  overflow: hidden;
}
.progress-fill {
  height: 100%;
  width: 0;
  border-radius: 999px;
  background: linear-gradient(90deg, var(--brand) 0%, var(--brand-legacy) 100%);
  transition: width 0.4s var(--ease);
}

.step {
  border: 0;
  padding: 0;
  margin: 0 0 1.75rem;
}
.step + .step {
  border-top: 1px solid var(--line);
  padding-top: 1.75rem;
}
.js .step + .step {
  border-top: 0;
  padding-top: 0;
}
.step > legend,
.step .step-title {
  display: block;
  padding: 0;
  margin: 0 0 0.35rem;
  font-size: clamp(1.35rem, 1.15rem + 0.85vw, 1.8rem);
  font-weight: 700;
  line-height: 1.2;
  color: var(--ink);
  letter-spacing: -0.02em;
}
.step .step-hint {
  margin: 0 0 1.25rem;
  color: var(--muted);
  font-size: 0.98rem;
}
.js .step:not([hidden]) {
  animation: step-in 0.28s var(--ease) both;
}
.js .step.is-leaving {
  opacity: 0;
  transform: translateY(-6px);
  transition: opacity 0.16s var(--ease), transform 0.16s var(--ease);
}
@keyframes step-in {
  from {
    opacity: 0;
    transform: translateY(10px);
  }
  to {
    opacity: 1;
    transform: none;
  }
}

.choices {
  display: grid;
  gap: 0.65rem;
}
.choice {
  position: relative;
}
/* Clipped rather than opacity:0 or appearance:none, so the radio stays in the
   accessibility tree and :focus-visible can paint a ring on its card. */
.choice input {
  position: absolute;
  width: 1px;
  height: 1px;
  margin: -1px;
  padding: 0;
  border: 0;
  overflow: hidden;
  clip-path: inset(50%);
  white-space: nowrap;
}
.choice span {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  min-height: 66px;
  padding: 1rem 3.25rem 1rem 1.25rem;
  border: 2px solid var(--line-strong);
  border-radius: var(--radius);
  background: #fff;
  font-weight: 700;
  color: var(--ink);
  cursor: pointer;
  transition: border-color 0.15s var(--ease), background-color 0.15s var(--ease),
    box-shadow 0.15s var(--ease);
}
.choice span::after {
  content: "";
  position: absolute;
  right: 1.15rem;
  top: 50%;
  width: 24px;
  height: 24px;
  transform: translateY(-50%);
  border: 2px solid var(--line-strong);
  border-radius: 50%;
  transition: border-color 0.15s var(--ease), background-color 0.15s var(--ease);
}
.choice span:hover {
  border-color: var(--brand);
  background: var(--brand-tint);
}
.choice input:checked + span {
  border-color: var(--brand);
  background: var(--brand-tint);
  box-shadow: 0 6px 18px rgba(217, 102, 31, 0.16);
}
.choice input:checked + span::after {
  border-color: var(--brand);
  background: var(--brand)
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m20 6-11 11-5-5'/%3E%3C/svg%3E")
    center / 15px no-repeat;
}
.choice input:focus-visible + span {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
}

.consent {
  display: flex;
  gap: 0.75rem;
  align-items: flex-start;
  margin-top: 0.5rem;
  font-size: 0.92rem;
  color: var(--muted);
}
.consent input {
  margin-top: 0.28em;
  width: 20px;
  height: 20px;
  accent-color: var(--brand);
  flex: none;
}

.apply-nav {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  align-items: center;
  margin-top: 1.5rem;
}
.apply-nav .button-outline {
  order: -1;
}
.apply-success {
  padding: clamp(1.75rem, 1.3rem + 1.8vw, 2.75rem);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  background: var(--surface-warm);
  box-shadow: var(--shadow-sm);
}

/* ---------- footer ---------- */

.site-footer {
  background: var(--ink);
  color: #a8babc;
  padding-top: clamp(3rem, 2.2rem + 3vw, 4.5rem);
  font-size: 0.96rem;
}
.footer-grid {
  display: grid;
  gap: 2.25rem;
  grid-template-columns: minmax(0, 1.5fr) repeat(auto-fit, minmax(160px, 1fr));
  padding-bottom: 2.75rem;
}
.footer-brand img {
  width: 240px;
  height: 34px;
  margin-bottom: 1rem;
  filter: brightness(0) invert(1);
}
.footer-brand p {
  max-width: 34ch;
}
.site-footer h2 {
  margin-bottom: 0.85rem;
  font-size: 0.82rem;
  font-weight: 800;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #fff;
}
.site-footer a {
  color: #a8babc;
  text-decoration: none;
  overflow-wrap: anywhere;
}
.site-footer a:hover {
  color: var(--teal-soft);
  text-decoration: underline;
}
.footer-links {
  display: grid;
  gap: 0.55rem;
}
.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-block: 2rem;
  display: grid;
  gap: 1.5rem;
  grid-template-columns: minmax(0, 1fr) auto;
  align-items: start;
  font-size: 0.86rem;
  line-height: 1.65;
  color: #8fa3a5;
}
.footer-legal p {
  margin-bottom: 0.55rem;
}
.footer-badges {
  display: flex;
  gap: 1rem;
  align-items: center;
}
.footer-badges img {
  width: 58px;
  height: 64px;
  filter: brightness(0) invert(1);
  opacity: 0.85;
}

/* ---------- misc ---------- */

.notice {
  padding: 0.6rem 0;
  background: var(--brand-strong);
  color: #fff;
  font-size: 0.86rem;
  font-weight: 700;
  text-align: center;
  letter-spacing: 0.04em;
}

.not-found {
  padding-block: clamp(4rem, 3rem + 5vw, 7rem);
  text-align: center;
}
.not-found .shell {
  max-width: 56ch;
}

/* ---------- responsive ---------- */

@media (max-width: 960px) {
  .hero-grid,
  .split,
  .split-narrow {
    grid-template-columns: minmax(0, 1fr);
  }
  .hero .hero-sub {
    max-width: none;
  }
  .split-media {
    order: -1;
  }
}

@media (max-width: 860px) {
  .menu-toggle {
    display: inline-flex;
  }
  /* Tap-to-call is the highest-intent action on a phone, so it moves into the
     menu panel rather than disappearing. */
  .nav-phone {
    order: 10;
    padding: 0.85rem 0.75rem;
    border-top: 1px solid var(--line);
    font-size: 1.05rem;
  }
  .site-nav {
    position: absolute;
    left: 0;
    right: 0;
    top: 100%;
    display: none;
    flex-direction: column;
    align-items: stretch;
    gap: 0.15rem;
    padding: 0.75rem 1.25rem 1.25rem;
    background: #fff;
    border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow);
  }
  .site-nav[data-open="true"] {
    display: flex;
  }
  .site-nav a {
    padding: 0.85rem 0.75rem;
    font-size: 1.05rem;
  }
  .site-nav .nav-cta {
    margin: 0.5rem 0 0;
    justify-content: center;
    display: flex;
  }
  .site-header {
    position: relative;
  }
  .footer-legal {
    grid-template-columns: minmax(0, 1fr);
  }
}

@media (max-width: 640px) {
  .shell {
    width: min(100% - 2rem, var(--shell));
  }
  /* Comfortable touch targets: link rows get real vertical padding on phones. */
  .footer-links {
    gap: 0.15rem;
  }
  .footer-links a {
    padding-block: 0.45rem;
  }
  .breadcrumbs {
    font-size: 0.95rem;
  }
  .breadcrumbs a {
    padding-block: 0.35rem;
    display: inline-block;
  }
  .brand img {
    width: 200px;
    height: 28px;
  }
  .button {
    width: 100%;
    justify-content: center;
  }
  .button-row .button {
    width: 100%;
  }
  .cta-inner .phone-link {
    justify-content: center;
    width: 100%;
  }
  .footer-grid {
    grid-template-columns: minmax(0, 1fr);
    gap: 1.75rem;
  }
  .apply-nav .button {
    width: 100%;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }
  *,
  *::before,
  *::after {
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
  }
}

@media print {
  .site-header,
  .cta-band,
  .site-footer,
  .skip-link {
    display: none;
  }
}

/* ---------- utilities ----------
   The CSP is `style-src 'self'`, which blocks inline style attributes, so every
   one-off spacing or colour tweak has to live here as a class. */

.stack-sm {
  margin-top: 1.5rem;
}
.stack-md {
  margin-top: 1.75rem;
}
.stack-lg {
  margin-top: 2.25rem;
}
.button-row-center {
  justify-content: center;
}
.media-panel {
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow);
}
.lede-inverse {
  color: #c4d1d2;
}
.phone-link-ink {
  color: var(--ink);
}
.phone-link-ink:hover {
  color: var(--brand-strong);
}