/* Zach's mortgage site: modern fintech system.
   Bright surfaces, deep navy ink, one electric blue, bold Manrope display type,
   statement-style numbers. Every color pair below was checked for WCAG AA. */

@font-face {
  font-family: "Manrope";
  src: url("/assets/fonts/Manrope-Variable.ttf") format("truetype");
  font-weight: 200 800;
  font-style: normal;
  font-display: swap;
}

:root {
  --navy: #0f1f3d;
  --navy-2: #172b52;
  --ink: #14213a;
  --ink-soft: #46546c;
  --ink-mute: #5c6a80;
  --blue: #2457e6;
  --blue-deep: #1a44bd;
  --blue-soft: #e8efff;
  --blue-line: #c9d8ff;
  --paper: #ffffff;
  --paper-2: #f4f6fa;
  --paper-3: #eaeef5;
  --line: #dbe1ea;
  --mint: #0f7a5a;
  --mint-soft: #e3f5ee;
  --amber: #8a5300;
  --amber-soft: #fff3dc;
  --red: #b3261e;
  --focus: #0f1f3d;
  --focus-halo: #ffffff;
  --max: 74rem;
  --header-h: 4.6rem;
  --measure: 48rem;
  --r-lg: 22px;
  --r-md: 14px;
  --r-sm: 9px;
  --shadow-1: 0 1px 2px rgba(15, 31, 61, 0.05), 0 10px 30px rgba(15, 31, 61, 0.07);
  --shadow-2: 0 2px 6px rgba(15, 31, 61, 0.06), 0 24px 60px rgba(15, 31, 61, 0.14);
  --font: "Manrope", -apple-system, BlinkMacSystemFont, "Segoe UI", Inter, Roboto, "Helvetica Neue", Arial, sans-serif;
  color-scheme: light;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}

body {
  margin: 0;
  font-family: var(--font);
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
}

h1, h2, h3, h4 { line-height: 1.1; color: var(--ink); margin: 0 0 0.5em; letter-spacing: -0.025em; font-weight: 800; }
h1 { font-size: clamp(2.2rem, 1.3rem + 3vw, 3.5rem); text-wrap: balance; }
h2 { text-wrap: balance; }
h2 { font-size: clamp(1.6rem, 1.15rem + 1.6vw, 2.4rem); }
h3 { font-size: 1.25rem; font-weight: 750; letter-spacing: -0.015em; }
p { margin: 0 0 1em; max-width: var(--measure); }
ul, ol { padding-left: 1.3em; max-width: var(--measure); }
li { margin-bottom: 0.45em; }
a { color: var(--blue-deep); text-underline-offset: 0.18em; text-decoration-thickness: 1.5px; }
a:hover { color: var(--navy); }
strong { font-weight: 750; }
small, .small { font-size: 0.9rem; color: var(--ink-soft); }
.mute { color: var(--ink-mute); }
.accent { color: var(--blue); }

:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; box-shadow: 0 0 0 2px var(--focus-halo); border-radius: 4px; }

.skip-link { position: absolute; left: 0.5rem; top: -3rem; padding: 0.5rem 0.75rem; background: var(--navy); color: #fff; z-index: 100; border-radius: 6px; }
.skip-link:focus { top: 0.5rem; }

.wrap { width: min(100% - 2.5rem, var(--max)); margin-inline: auto; }
.narrow { max-width: var(--measure); }

/* Eyebrows and labels */
.eyebrow { display: inline-flex; align-items: center; gap: 0.5rem; color: var(--blue-deep); font-weight: 750; text-transform: uppercase; letter-spacing: 0.12em; font-size: 0.74rem; margin-bottom: 0.9rem; }
.eyebrow .num { display: inline-grid; place-items: center; min-width: 1.6rem; height: 1.6rem; padding: 0 0.35rem; border: 1.5px solid var(--blue-line); border-radius: 6px; color: var(--blue-deep); background: var(--blue-soft); font-size: 0.72rem; }

/* Preview banner */
.preview-banner { background: var(--navy); color: #d7e0f2; font-size: 0.82rem; padding: 0.5rem 0; letter-spacing: 0.01em; }
.preview-banner .wrap { display: flex; flex-wrap: wrap; gap: 0.35rem 1.25rem; align-items: center; justify-content: center; }
.preview-banner strong { color: #ffd27a; text-transform: uppercase; letter-spacing: 0.1em; font-size: 0.72rem; }
.preview-banner a { color: #fff; }
@media (max-width: 640px) { .preview-banner .long { display: none; } }

/* Header */
.site-header { position: sticky; top: 0; z-index: 40; background: rgba(255, 255, 255, 0.92); backdrop-filter: saturate(160%) blur(10px); border-bottom: 1px solid var(--line); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 0.75rem; padding: 0.7rem 0; position: relative; width: min(100% - 2.5rem, 90rem); }
.brand a { text-decoration: none; color: inherit; }
.brand-photo { display: inline-flex; border-radius: 50%; }
.brand-photo:hover .mark, .brand-photo:focus-visible .mark { box-shadow: 0 0 0 3px var(--blue-soft), 0 4px 12px rgba(36, 87, 230, 0.3); }
.brand { text-decoration: none; color: var(--ink); display: flex; align-items: center; gap: 0.65rem; font-weight: 800; letter-spacing: -0.02em; font-size: 1.15rem; line-height: 1.05; flex: 0 0 auto; white-space: nowrap; }
.brand .mark { width: 2.5rem; height: 2.5rem; border-radius: 50%; background: var(--blue); color: #fff; display: inline-grid; place-items: center; font-weight: 800; font-size: 1.1rem; box-shadow: 0 4px 12px rgba(36, 87, 230, 0.3); flex: 0 0 auto; }
.brand img.mark { object-fit: cover; object-position: 50% 22%; border: 2px solid #fff; }
.brand .sub { display: block; font-weight: 500; color: var(--ink-mute); font-size: 0.78rem; letter-spacing: 0; margin-top: 0.15rem; }
.site-nav { flex: 1 1 auto; min-width: 0; display: flex; justify-content: center; }
.site-nav ul { list-style: none; margin: 0; padding: 0; display: flex; gap: 0.1rem; max-width: none; flex-wrap: nowrap; justify-content: center; }
.site-nav a { text-decoration: none; color: var(--ink-soft); font-weight: 600; font-size: 0.9rem; padding: 0.5rem 0.7rem; border-radius: 999px; display: inline-block; white-space: nowrap; }
.site-nav a:hover { color: var(--ink); background: var(--paper-2); }
.site-nav a[aria-current="page"] { color: var(--blue-deep); background: var(--blue-soft); }
.header-cta { display: inline-flex; align-items: center; gap: 0.45rem; flex: 0 0 auto; }
.header-cta .btn { white-space: nowrap; }
.nav-toggle { display: none; }
.site-nav a { padding: 0.45rem 0.5rem; font-size: 0.84rem; }
@media (max-width: 1320px) {
  .nav-toggle { display: inline-flex; align-items: center; gap: 0.4rem; background: #fff; border: 1.5px solid var(--line); border-radius: 999px; padding: 0.5rem 0.9rem; font: inherit; font-weight: 700; font-size: 0.9rem; color: var(--ink); cursor: pointer; }
  .site-nav { position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow-1); }
  .site-nav[hidden] { display: none; }
  .site-nav ul { flex-direction: column; gap: 0; padding: 0.5rem 1.25rem 0.9rem; }
  .site-nav a { display: block; padding: 0.75rem 0.5rem; border-radius: 8px; font-size: 1rem; }
  .header-cta .btn { padding: 0.6rem 0.9rem; font-size: 0.9rem; }
}
@media (max-width: 560px) { .header-cta { display: none; } }
.brand { min-width: 0; }
@media (max-width: 400px) { .brand { white-space: normal; } .brand .sub { font-size: 0.7rem; } }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 0.5rem; text-decoration: none; padding: 0.9rem 1.35rem; border-radius: 999px; font-weight: 750; font-size: 1rem; border: 1.5px solid transparent; cursor: pointer; line-height: 1.15; font-family: var(--font); transition: transform 120ms ease, box-shadow 120ms ease, background 120ms ease; }
.btn .arrow { width: 1em; height: 1em; flex: 0 0 auto; }
.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 8px 22px rgba(36, 87, 230, 0.32); }
.btn-primary:hover { background: var(--blue-deep); color: #fff; transform: translateY(-1px); }
.btn-secondary { background: #fff; color: var(--navy); border-color: var(--line); }
.btn-secondary:hover { border-color: var(--navy); background: var(--paper-2); }
.btn-ghost { background: transparent; color: var(--blue-deep); padding-inline: 0.5rem; }
.btn-lg { padding: 1.05rem 1.6rem; font-size: 1.08rem; }
.btn-block { width: 100%; }
.btn[aria-disabled="true"] { opacity: 0.55; cursor: not-allowed; box-shadow: none; }
.btn-row { display: flex; flex-wrap: wrap; gap: 0.75rem; align-items: center; margin: 1.1rem 0; }

/* Hero (scenario and support pages) */
.hero { padding: clamp(1.5rem, 4vw, 3.5rem) 0 1.5rem; }
.hero .lede { font-size: clamp(1.1rem, 1rem + 0.5vw, 1.3rem); line-height: 1.5; color: var(--ink-soft); font-weight: 500; }
.hero-grid { display: grid; gap: clamp(1.5rem, 3vw, 3rem); grid-template-columns: minmax(0, 1.25fr) minmax(19rem, 0.9fr); align-items: start; }
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; } }
.two-col > *, .hero-grid > *, .card-grid > *, .calc-grid > *, .stat-row > *, .stats > *, .funnel-rows > * { min-width: 0; }

.direct-answer { position: relative; background: var(--paper-2); border-radius: var(--r-lg); padding: 1.3rem 1.5rem 1.3rem 1.6rem; margin: 1.4rem 0 1rem; border-left: 5px solid var(--blue); }
.direct-answer .label { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.12em; color: var(--blue-deep); font-weight: 800; margin-bottom: 0.45rem; }
.direct-answer p { max-width: none; }
.direct-answer p:last-child { margin-bottom: 0; }

/* Options dock: the one dominant action */
.dock { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--shadow-2); padding: 1.35rem 1.4rem 1.2rem; position: sticky; top: calc(var(--header-h) + 1rem); }
@media (max-width: 900px) { .dock { position: static; } }
.dock h2, .dock .dock-h { font-size: 1.25rem; margin: 0 0 0.35rem; letter-spacing: -0.02em; font-weight: 800; color: var(--ink); line-height: 1.15; max-width: none; }
.dock .preclick { list-style: none; padding: 0; margin: 0.75rem 0 0; font-size: 0.86rem; color: var(--ink-soft); max-width: none; }
.dock .preclick li { padding-left: 1.1rem; position: relative; margin-bottom: 0.35rem; }
.dock .preclick li::before { content: "\2713"; position: absolute; left: 0; color: var(--mint); font-weight: 800; }
.inline-link { color: var(--blue-deep); font-weight: 700; text-decoration: underline; }
.inline-link .arrow { display: none; }
.dock .lead { color: var(--ink-soft); font-size: 0.95rem; margin-bottom: 1rem; max-width: none; }
.dock .btn-primary { width: 100%; padding: 1.05rem 1.2rem; font-size: 1.08rem; }
.dock .soft { margin: 0.85rem 0 0; font-size: 0.9rem; color: var(--ink); max-width: none; }
.dock .soft strong { color: var(--mint); }
.dock .fine { font-size: 0.8rem; color: var(--ink-mute); margin: 0.5rem 0 0; max-width: none; }
.dock .divider { height: 1px; background: var(--line); margin: 1rem 0; }
.dock .pricing { font-size: 0.92rem; color: var(--ink-soft); max-width: none; margin: 0; }
.dock .contact-alt { display: flex; align-items: center; gap: 0.75rem; margin-top: 1rem; font-size: 0.92rem; }
.dock .contact-alt img, .dock .contact-alt .avatar { width: 2.4rem; height: 2.4rem; }
.dock .contact-alt p { margin: 0; max-width: none; line-height: 1.35; }
.dock .ext { font-size: 0.78rem; color: var(--ink-mute); display: block; margin-top: 0.4rem; }
.dock-detail > summary { cursor: pointer; list-style: none; font-size: 0.86rem; font-weight: 700; color: var(--blue-deep); padding: 0.5rem 0; }
.dock-detail > summary::-webkit-details-marker { display: none; }
.dock-detail > summary::before { content: "\25B8\00a0"; }
.dock-detail[open] > summary::before { content: "\25BE\00a0"; }
.company-logo-header { width: 5rem; }

.dock-mobile { display: none; }
@media (max-width: 900px) { .dock-mobile { display: block; margin-top: 1.25rem; } .dock-desktop { display: none; } }

/* Review proof, compact and full */
.review-proof { background: var(--paper-2); border-radius: var(--r-md); padding: 0.95rem 1.1rem; }
.review-proof .rating { display: flex; align-items: baseline; gap: 0.5rem; margin: 0; flex-wrap: wrap; }
.review-proof .rating .score { font-size: 1.9rem; font-weight: 800; letter-spacing: -0.03em; color: var(--ink); }
.review-proof .stars { color: #b97a00; letter-spacing: 0.05em; font-size: 1rem; }
.review-proof .rating small { font-size: 0.85rem; color: var(--ink-soft); font-weight: 500; }
.review-proof ul { margin: 0.55rem 0 0.6rem; padding-left: 1.1em; font-size: 0.92rem; }
.review-proof li { margin-bottom: 0.2em; }
.review-proof p { max-width: none; }
.review-proof .src { font-size: 0.8rem; color: var(--ink-mute); margin: 0.35rem 0 0; }
.review-proof.full { background: #fff; border: 1px solid var(--line); padding: 1.4rem 1.5rem; }
.quotes { margin: 0.75rem 0 0.25rem; }
.quote { margin: 0 0 0.75rem; padding: 0 0 0 0.9rem; border-left: 3px solid var(--blue-line); }
.quote p { margin: 0 0 0.2rem; font-size: 0.95rem; color: var(--ink); max-width: none; }
.quote footer { font-size: 0.8rem; color: var(--ink-mute); }

/* Statement strip: the key numbers */
.stats { display: grid; gap: 1px; background: var(--line); border: 1px solid var(--line); border-radius: var(--r-lg); overflow: hidden; margin: 1.25rem 0 1.5rem; grid-template-columns: repeat(auto-fit, minmax(10.5rem, 1fr)); }
.stats > div { background: #fff; padding: 1.1rem 1.2rem; border-top: 3px solid var(--blue-line); }
.stats > div:first-child { border-top-color: var(--blue); }
.stats .k { font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.1em; color: var(--ink-mute); font-weight: 700; }
.stats .v { font-size: clamp(1.35rem, 1.1rem + 0.8vw, 1.7rem); font-weight: 800; letter-spacing: -0.03em; color: var(--ink); font-variant-numeric: tabular-nums; line-height: 1.15; margin: 0.25rem 0 0.15rem; white-space: nowrap; }
.stats .v.blue { color: var(--blue-deep); }
.stats .v.sm { font-size: clamp(1.15rem, 1rem + 0.5vw, 1.35rem); }
.stats .n { font-size: 0.85rem; color: var(--ink-soft); }

/* Sections */
main { padding-bottom: 3rem; }
main > .wrap > section, main > section, .two-col > div > section { margin-top: clamp(3rem, 5vw, 4.5rem); }
section > h2 { margin-bottom: 1rem; }
.two-col { display: grid; gap: clamp(1.5rem, 3vw, 3rem); grid-template-columns: minmax(0, 1.8fr) minmax(19rem, 0.8fr); align-items: start; }
.two-col.proof { align-items: stretch; }
.two-col.proof > div > * { height: 100%; }
@media (max-width: 900px) { .two-col { grid-template-columns: 1fr; } }
.sticky-aside { position: sticky; top: calc(var(--header-h) + 1rem); }
@media (max-width: 900px) { .sticky-aside { position: static; } }
.band { background: var(--paper-2); border-radius: var(--r-lg); padding: clamp(1.5rem, 3vw, 2.5rem); }
.band.navy { background: var(--navy); color: #e6ecf7; }
.band.navy h2, .band.navy h3 { color: #fff; }
.band.navy p { color: #d3dced; }
.band.navy a { color: #fff; }

/* Cards and funnel rows */
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.4rem 1.5rem; box-shadow: var(--shadow-1); }
.card h3 { margin-top: 0; }
.card-grid { display: grid; gap: 1.1rem; grid-template-columns: repeat(auto-fit, minmax(15rem, 1fr)); }
.card-grid .card p { max-width: none; }
.scenario-card { display: flex; flex-direction: column; gap: 0.5rem; }
.scenario-card .q { color: var(--ink-mute); font-size: 0.95rem; }
.scenario-card .go { margin-top: auto; color: var(--blue-deep); font-weight: 750; text-decoration: none; }
.scenario-card a.stretch { text-decoration: none; color: inherit; }

.funnel-rows { list-style: none; padding: 0; margin: 1.25rem 0 0; max-width: none; border-top: 1px solid var(--line); }
.funnel-rows li { border-bottom: 1px solid var(--line); margin: 0; }
.funnel-rows a { display: grid; grid-template-columns: 3rem minmax(0, 1fr) auto; gap: 1rem; align-items: center; padding: 1.4rem 1rem; text-decoration: none; color: inherit; border-radius: 12px; transition: background 120ms ease; }
.funnel-rows a:hover { background: var(--paper-2); }
.funnel-rows .num { font-weight: 800; color: var(--blue-deep); font-size: 0.85rem; letter-spacing: 0.08em; }
.funnel-rows .t { font-weight: 800; font-size: clamp(1.15rem, 1rem + 0.7vw, 1.5rem); letter-spacing: -0.02em; line-height: 1.15; }
.funnel-rows .q { color: var(--ink-soft); font-size: 0.95rem; margin-top: 0.25rem; }
.funnel-rows .arrow { width: 2.3rem; height: 2.3rem; border-radius: 50%; border: 1.5px solid var(--line); display: grid; place-items: center; color: var(--blue-deep); }
.funnel-rows a:hover .arrow { background: var(--blue); color: #fff; border-color: var(--blue); }
@media (max-width: 480px) { .funnel-rows a { grid-template-columns: 2.2rem minmax(0, 1fr); } .funnel-rows .arrow { display: none; } }

/* Photo hero on funnels: image with navy veil, headline in white, dock overlaps below on desktop */
.hero-photo { position: relative; border-radius: var(--r-lg); overflow: hidden; background: var(--navy); color: #fff; padding: clamp(1.75rem, 4vw, 3.25rem) clamp(1.25rem, 3.5vw, 3rem); margin-top: 1rem; min-height: 22rem; display: flex; flex-direction: column; justify-content: flex-end; }
.hero-photo img.bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; object-position: 60% 50%; }
.hero-photo .veil { position: absolute; inset: 0; background: linear-gradient(100deg, rgba(15, 31, 61, 0.92) 0%, rgba(15, 31, 61, 0.72) 45%, rgba(15, 31, 61, 0.35) 100%); }
/* Caption sits below the photo card, not on it */
.hero-photo { overflow: visible; margin-bottom: 1.9rem; }
.hero-photo > .bg-fig { overflow: visible; }
.hero-photo img.bg { border-radius: var(--r-lg); }
.hero-photo .tag { position: absolute; right: 0.25rem; bottom: -1.55rem; color: var(--ink-mute); font-size: 0.74rem; background: none; padding: 0; white-space: nowrap; }
.hero-photo > * { position: relative; }
.hero-photo .eyebrow { color: #cfdcff; }
.hero-photo .eyebrow .num { background: rgba(255, 255, 255, 0.12); border-color: rgba(255, 255, 255, 0.35); color: #fff; }
.hero-photo h1 { color: #fff; max-width: 15ch; }
.hero-photo .lede { color: #e3e9f5; max-width: 38rem; margin-bottom: 0; }
.hero-answer { margin-top: 1.25rem; }

.hero-photo > .bg-fig, .photo-band > .bg-fig { position: absolute; inset: 0; margin: 0; z-index: 0; }
.hero-photo > .bg-fig .tag, .photo-band > .bg-fig .tag { position: absolute; }
.hero-photo > .veil { z-index: 1; border-radius: var(--r-lg); }
.hero-photo > .eyebrow, .hero-photo > h1, .hero-photo > .lede { z-index: 2; }

/* Photo band (illustrative image, labeled) */
.photo-band { position: relative; border-radius: var(--r-lg); overflow: hidden; min-height: 22rem; background: var(--navy); }
.photo-band img.bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; opacity: 0.9; }
.photo-band .veil { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(15, 31, 61, 0.88) 0%, rgba(15, 31, 61, 0.45) 55%, rgba(15, 31, 61, 0.15) 100%); }
.photo-band .content { position: relative; padding: clamp(1.5rem, 4vw, 3rem); color: #fff; max-width: 34rem; }
.photo-band .content h2 { color: #fff; font-size: clamp(1.8rem, 1.2rem + 2.5vw, 3rem); }
.photo-band .content p { color: #e3e9f5; }
.photo-band .tag { position: absolute; right: 0.9rem; top: 0.9rem; background: rgba(15, 31, 61, 0.72); color: #dfe6f3; font-size: 0.72rem; padding: 0.3rem 0.6rem; border-radius: 999px; }
.photo-band .float { position: absolute; right: 1.25rem; bottom: 1.25rem; background: #fff; color: var(--ink); border-radius: var(--r-md); padding: 0.9rem 1.1rem; display: flex; gap: 0.8rem; align-items: center; box-shadow: var(--shadow-2); max-width: 20rem; }
.photo-band .float p { margin: 0; color: var(--ink); font-size: 0.9rem; max-width: none; }
.photo-band .float img { width: 2.8rem; height: 2.8rem; border-radius: 50%; object-fit: cover; }
@media (max-width: 640px) { .photo-band { display: flex; flex-direction: column; } .photo-band .float { position: static; margin: 0 1rem 1rem; max-width: none; } .photo-band .content { padding-bottom: 0.5rem; } }

/* Steps */
.steps { display: grid; gap: 1rem; grid-template-columns: repeat(auto-fit, minmax(14rem, 1fr)); counter-reset: step; list-style: none; padding: 0; max-width: none; }
.steps li { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.3rem 1.4rem; counter-increment: step; margin: 0; }
.steps li::before { content: counter(step, decimal-leading-zero); display: block; font-weight: 800; color: var(--blue-deep); font-size: 0.8rem; letter-spacing: 0.1em; margin-bottom: 0.5rem; }
.steps h3 { margin-bottom: 0.3rem; }
.steps p { margin: 0; max-width: none; color: var(--ink-soft); font-size: 0.95rem; }

/* Tables */
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 1rem 0 1.5rem; border: 1px solid var(--line); border-radius: var(--r-md); background: #fff; }
table { border-collapse: collapse; width: 100%; font-size: 0.95rem; }
caption { text-align: left; padding: 0.85rem 1rem 0.35rem; font-weight: 750; color: var(--ink); caption-side: top; letter-spacing: -0.01em; }
th, td { padding: 0.62rem 1rem; border-top: 1px solid var(--line); text-align: left; vertical-align: top; }
thead th { border-top: 0; background: var(--paper-2); font-weight: 700; font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--ink-soft); }
th[scope="row"] { font-weight: 500; }
td.num, th.num { text-align: right; font-variant-numeric: tabular-nums; white-space: nowrap; }
tr.total td, tr.total th { font-weight: 750; background: var(--blue-soft); }

/* Callouts */
.callout { border-radius: var(--r-md); padding: 1rem 1.2rem; margin: 1.25rem 0; border: 1px solid var(--line); background: #fff; max-width: var(--measure); }
.callout p:last-child { margin-bottom: 0; }
.callout-label { font-weight: 800; font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.12em; margin-bottom: 0.4rem; }
.callout-illustrative { background: var(--amber-soft); border-color: #f1dfb7; }
.callout-illustrative .callout-label { color: var(--amber); }
.callout-source { background: var(--paper-2); }
.callout-source .callout-label { color: var(--ink-soft); }
.callout-warning { background: var(--amber-soft); border-color: #f1dfb7; }
.callout-warning .callout-label { color: var(--amber); }
.callout-preview { background: #eef2f6; border-color: #cfd8e3; border-style: dashed; }
.callout-preview .callout-label { color: #3b4a5c; }

/* FAQ */
.faq { border-top: 1px solid var(--line); max-width: var(--measure); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { cursor: pointer; list-style: none; padding: 1rem 2.4rem 1rem 0; font-weight: 750; font-size: 1.05rem; letter-spacing: -0.01em; position: relative; }
.faq .faq-q { display: inline; font-size: inherit; font-weight: inherit; margin: 0; letter-spacing: inherit; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 0.25rem; top: 0.85rem; width: 1.6rem; height: 1.6rem; border-radius: 50%; border: 1.5px solid var(--line); display: grid; place-items: center; color: var(--blue-deep); font-weight: 600; }
.faq details[open] summary::after { content: "\2212"; background: var(--blue-soft); }
.faq summary:hover { background: var(--paper-2); }
.faq details[open] summary { color: var(--blue-deep); }
.faq details[open] { box-shadow: inset 3px 0 0 var(--blue); padding-left: 0.9rem; }
.faq .a { padding: 0 0 1.1rem; color: var(--ink-soft); }
.faq .a p { max-width: none; }

/* Author block */
.author-block { display: flex; gap: 1rem; align-items: flex-start; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.1rem 1.25rem; margin: 2rem 0; max-width: var(--measure); background: #fff; }
.avatar { flex: 0 0 auto; width: 3.5rem; height: 3.5rem; border-radius: 50%; background: var(--blue-soft); color: var(--blue-deep); display: grid; place-items: center; font-weight: 700; font-size: 0.75rem; text-align: center; line-height: 1.1; border: 1px solid var(--blue-line); }
.avatar.large { width: 11rem; height: 11rem; font-size: 0.95rem; }
.avatar.photo { object-fit: cover; object-position: 50% 22%; display: block; border: 3px solid #fff; box-shadow: var(--shadow-2); }
.portrait { display: block; width: 100%; max-width: 22rem; height: auto; aspect-ratio: 4 / 5; object-fit: cover; object-position: 50% 15%; border-radius: var(--r-lg); box-shadow: var(--shadow-2); }
.company-logo { display: inline-block; height: auto; background: #fff; }
.company-logo-header { width: 4.2rem; margin-left: 0.9rem; padding-left: 0.9rem; border-left: 1px solid var(--line); flex: 0 0 auto; }
.company-logo-footer { width: 6.5rem; border-radius: 8px; padding: 0.35rem 0.5rem; margin-bottom: 0.75rem; }
.company-logo-about { width: 4.5rem; border-radius: 6px; padding: 0.2rem 0.35rem; border: 1px solid var(--line); }
/* The company logo sits in the header only where the nav has collapsed to the menu button; at desktop widths the eight nav links need the room. */
.company-logo-header { display: none; }
@media (max-width: 1320px) { .company-logo-header { display: inline-block; } }
@media (max-width: 700px) { .company-logo-header { display: none; } }
.author-block p { margin: 0 0 0.25rem; max-width: none; }

/* Forms (secondary, preview-only) */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.4rem; }
.form-card h2, .form-card h3 { margin-top: 0; font-size: 1.3rem; }
.field { margin-bottom: 1rem; }
.field label, .field legend { display: block; font-weight: 700; font-size: 0.92rem; margin-bottom: 0.3rem; }
.field .hint { display: block; font-size: 0.85rem; color: var(--ink-mute); margin-bottom: 0.35rem; }
.field input[type="text"], .field input[type="tel"], .field input[type="email"], .field select, .field textarea { width: 100%; font: inherit; font-size: 1rem; padding: 0.7rem 0.8rem; border: 1.5px solid #b9c2d0; border-radius: 10px; background: #fff; color: var(--ink); }
.field textarea { min-height: 5rem; resize: vertical; }
fieldset { border: 0; padding: 0; margin: 0 0 1rem; }
.choice { display: flex; align-items: flex-start; gap: 0.5rem; margin: 0.3rem 0; font-weight: 500; }
.choice input { margin-top: 0.3rem; width: 1.1rem; height: 1.1rem; accent-color: var(--blue); }
.field .error { color: var(--red); font-size: 0.9rem; margin-top: 0.3rem; display: none; }
.field.invalid .error { display: block; }
.field.invalid input, .field.invalid select { border-color: var(--red); }
.preview-tag { display: inline-block; background: var(--navy); color: #ffd27a; font-size: 0.72rem; font-weight: 800; letter-spacing: 0.1em; text-transform: uppercase; padding: 0.3rem 0.6rem; border-radius: 6px; margin-bottom: 0.75rem; }
.form-summary { border: 1px dashed #9aa6b5; background: #eef2f6; border-radius: var(--r-md); padding: 1rem 1.15rem; margin-top: 1rem; }
.form-summary dl { display: grid; grid-template-columns: max-content 1fr; gap: 0.25rem 1rem; margin: 0.5rem 0 0; }
.form-summary dt { font-weight: 700; color: var(--ink-soft); }
.form-summary dd { margin: 0; }
.scenario-lock { background: var(--blue-soft); border-radius: 10px; padding: 0.6rem 0.8rem; font-size: 0.93rem; margin-bottom: 1rem; }
details.demo-form > summary { cursor: pointer; font-weight: 750; color: var(--blue-deep); padding: 0.5rem 0; list-style: none; }
details.demo-form > summary::-webkit-details-marker { display: none; }
details.demo-form > summary::before { content: "+ "; }
details.demo-form[open] > summary::before { content: "\2212 "; }
details.demo-form .form-card { margin-top: 0.75rem; }

/* Calculator */
.calc { background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.35rem 1.4rem; margin: 1rem 0 1.5rem; }
.calc-grid { display: grid; gap: 0.75rem 1.25rem; grid-template-columns: repeat(auto-fit, minmax(13rem, 1fr)); }
.calc-grid .field { margin-bottom: 0.25rem; }
.calc output { display: block; }
.calc .results { margin-top: 1rem; }
.calc .results.stale { opacity: 0.35; }
.calc-error { color: var(--red); font-size: 0.95rem; margin: 0.75rem 0 0; }
.stat-row { display: grid; gap: 0.75rem; grid-template-columns: repeat(auto-fit, minmax(10rem, 1fr)); margin: 1rem 0; }
.stat { background: var(--paper-2); border-radius: 10px; padding: 0.75rem 0.9rem; }
.stat .k { font-size: 0.72rem; text-transform: uppercase; letter-spacing: 0.08em; color: var(--ink-mute); font-weight: 700; }
.stat .v { font-size: 1.35rem; font-weight: 800; font-variant-numeric: tabular-nums; letter-spacing: -0.02em; }

/* Timeline */
.timeline { list-style: none; padding: 0; margin: 1rem 0 1.5rem; max-width: var(--measure); border-left: 3px solid var(--blue-line); }
.timeline li { position: relative; padding: 0 0 1.1rem 1.35rem; }
.timeline li::before { content: ""; position: absolute; left: -0.62rem; top: 0.4rem; width: 0.9rem; height: 0.9rem; border-radius: 50%; background: var(--blue); border: 2px solid #fff; box-shadow: 0 0 0 2px var(--blue-line); }
.timeline .when { font-weight: 800; display: block; letter-spacing: -0.01em; }

.qa dt { font-weight: 750; margin-top: 0.9rem; }
.qa dd { margin: 0.2rem 0 0; color: var(--ink-soft); }

/* Breadcrumb */
.crumbs { font-size: 0.85rem; color: var(--ink-mute); margin: 1rem 0 0; }
.crumbs a { color: var(--ink-soft); text-decoration: none; }
.crumbs span { margin: 0 0.4rem; }

/* Footer */
.site-footer { background: var(--navy); color: #c5cfe0; padding: 3rem 0 3rem; margin-top: 4rem; font-size: 0.92rem; }
.site-footer .cols { display: grid; gap: 2rem; grid-template-columns: repeat(auto-fit, minmax(15rem, 1fr)); }
.site-footer h2 { font-size: 0.74rem; text-transform: uppercase; letter-spacing: 0.12em; color: #8fa3c7; font-weight: 800; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer p, .site-footer li { max-width: none; color: #c5cfe0; }
.site-footer a { color: #fff; }
.site-footer .ph { background: #2a3d63; color: #ffd27a; font-family: inherit; font-size: inherit; display: inline; }
.site-footer .small, .site-footer .pend { color: #9fb0cc; }
.site-footer .foot-cta { margin-bottom: 2.25rem; padding-bottom: 2rem; border-bottom: 1px solid #2a3d63; display: flex; flex-wrap: wrap; gap: 1rem 2rem; align-items: center; justify-content: space-between; }
.site-footer .foot-cta h2, .site-footer .foot-cta .foot-h { color: #fff; text-transform: none; letter-spacing: -0.02em; font-size: clamp(1.4rem, 1.1rem + 1.2vw, 2rem); margin: 0; font-weight: 800; line-height: 1.1; }
.ph { background: #fff3cd; color: #6a4a00; padding: 0 0.3em; border-radius: 3px; font-family: ui-monospace, SFMono-Regular, Menlo, monospace; font-size: 0.85em; }

/* Mobile sticky action bar */
.sticky-cta { display: none; }
@media (max-width: 900px) {
  .sticky-cta { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 50; background: rgba(255, 255, 255, 0.96); backdrop-filter: blur(8px); border-top: 1px solid var(--line); padding: 0.65rem 1rem calc(0.65rem + env(safe-area-inset-bottom)); gap: 0.75rem; align-items: center; }
  .sticky-cta { flex-direction: column; align-items: stretch; gap: 0.3rem; }
  .sticky-cta .btn { flex: none; width: 100%; padding: 0.85rem 1rem; white-space: nowrap; }
  .sticky-cta .small { text-align: center; font-size: 0.75rem; line-height: 1.2; }
  main { padding-bottom: 5rem; }
  .site-footer { padding-bottom: 6rem; }
}

.visually-hidden { position: absolute !important; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }

@media print {
  .preview-banner, .site-nav, .btn, .form-card, .sticky-cta { display: none !important; }
}