:root{--navy:#0B1A36;--navy2:#132A52;--ink:#14213D;--gold:#C9A24B;--gold2:#E9D29A;--goldd:#9A7422;--cream:#FAF6EC;--line:#E6DFCF;--mute:#5B6478;--white:#fff;--r:18px;--sh:0 18px 50px -24px rgba(11,26,54,.35)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--ink);background:#fff;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}a{color:inherit;text-decoration:none}
h1,h2,h3,h4{line-height:1.15;margin:0 0 .5em;letter-spacing:-.02em;font-weight:800;color:var(--navy)}
h1{font-size:clamp(2.3rem,5vw,3.9rem)}h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}h3{font-size:1.2rem}
h1 em,h2 em{font-style:normal;color:var(--gold)}
p{margin:0 0 1em}.wrap{width:min(1180px,92%);margin:0 auto}
[hidden]{display:none!important}
.script{font-family:"Caveat",cursive;font-weight:700;color:var(--gold);font-size:1.7rem;line-height:1;margin:0 0 .3em}
.eyebrow{display:inline-flex;align-items:center;gap:.6em;font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--goldd);margin:0 0 1em}
.eyebrow:before{content:"";width:28px;height:2px;background:var(--gold)}
.ic{display:inline-grid;place-items:center;width:52px;height:52px;border-radius:14px;background:linear-gradient(135deg,#FBF3DD,#F1E2B8);color:var(--goldd);flex:none}
.ic svg,.btn svg,.more svg,.checks svg,.strip svg,.badge svg{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
svg.fill{fill:currentColor!important;stroke:none!important}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:.6em;padding:.95em 1.5em;border-radius:999px;font-weight:700;font-size:1rem;border:2px solid transparent;cursor:pointer;transition:transform .2s,box-shadow .2s,background .2s;font-family:inherit}
.btn svg{width:18px;height:18px}.btn:hover{transform:translateY(-2px)}
.btn-gold{background:linear-gradient(135deg,var(--gold2),var(--gold));color:var(--navy);box-shadow:0 12px 28px -12px rgba(201,162,75,.8)}
.btn-ghost{border-color:rgba(255,255,255,.35);color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn.sm{padding:.65em 1.2em;font-size:.92rem}
.btn-row{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.6rem}
/* header */
.site-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.head-in{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:76px}
.brand{display:flex;align-items:center;gap:.8rem}
.mono{display:grid;place-items:center;width:46px;height:46px;border-radius:12px;background:var(--navy);color:var(--gold2);font-weight:800;letter-spacing:.02em;border:1.5px solid var(--gold)}
.brand-t{display:flex;flex-direction:column;line-height:1.2}.brand-t b{font-size:1.08rem;color:var(--navy);font-weight:800}.brand-t small{font-size:.74rem;color:var(--mute);font-weight:600}
.brand.light .brand-t b{color:#fff}.brand.light .brand-t small{color:var(--gold2)}
.nav{display:flex;align-items:center;gap:1.5rem;font-weight:600;font-size:.95rem}
.nav>a:not(.btn),.drop-btn{color:var(--ink);padding:.4em 0;border:0;background:none;font:inherit;font-weight:600;cursor:pointer;border-bottom:2px solid transparent}
.nav>a:not(.btn):hover,.drop-btn:hover,.nav .on{color:var(--goldd);border-bottom-color:var(--gold)}
.drop{position:relative}.drop-btn:after{content:"";display:inline-block;margin-left:.45em;width:7px;height:7px;border-right:2px solid;border-bottom:2px solid;transform:translateY(-3px) rotate(45deg)}
.drop-menu{position:absolute;top:100%;left:-1rem;min-width:270px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--sh);padding:.5rem;display:none}
.drop:hover .drop-menu,.drop.open .drop-menu,.drop:focus-within .drop-menu{display:block}
.drop-menu a{display:block;padding:.7em .9em;border-radius:10px;border:0!important}.drop-menu a:hover,.drop-menu a.on{background:var(--cream);color:var(--goldd)}
.burger{display:none;width:46px;height:46px;border:1px solid var(--line);border-radius:12px;background:#fff;cursor:pointer;padding:12px 11px;flex-direction:column;justify-content:space-between}
.burger i{display:block;height:2px;background:var(--navy);border-radius:2px}
/* hero */
.hero{background:radial-gradient(900px 500px at 85% 0%,#1C3A6E 0%,transparent 60%),linear-gradient(160deg,var(--navy) 0%,#0E2145 100%);color:#fff;padding:clamp(3.5rem,7vw,6rem) 0;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;inset:auto 0 0 0;height:4px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(2rem,5vw,4.5rem);align-items:center}
.hero h1{color:#fff}.hero .eyebrow{color:var(--gold2)}
.lead{font-size:1.18rem;color:#D5DCEA;max-width:36em}
.portrait{position:relative;padding:1rem 1.2rem 2.4rem}
.portrait-in{background:linear-gradient(170deg,#18335F,#0B1A36);border:1px solid rgba(233,210,154,.35);border-radius:28px;padding:3.2rem 1.5rem 3.4rem;text-align:center;box-shadow:0 40px 80px -40px #000}
.house{width:min(300px,80%);display:block;margin:0 auto}
.sig{font-size:2.6rem;margin:.2rem 0 0}.portrait-cap{margin:0;font-weight:800;color:#fff;font-size:1.1rem}.portrait-cap span{font-weight:600;color:var(--gold2);font-size:.9rem}
.badge{position:absolute;display:flex;align-items:center;gap:.7rem;background:#fff;color:var(--ink);padding:.75rem 1rem;border-radius:14px;box-shadow:var(--sh);font-size:.82rem;line-height:1.3;max-width:260px}
.badge svg{color:var(--gold);flex:none;width:26px;height:26px}.badge b{display:block;color:var(--navy);font-size:.92rem}
.badge.b1{left:-.6rem;top:0}.badge.b2{right:-.6rem;bottom:0}
.fact-card,.contact-card,.mini-calc{background:#fff;color:var(--ink);border-radius:22px;padding:1.6rem;box-shadow:0 40px 80px -40px #000;border-top:4px solid var(--gold)}
.fact-title{font-weight:800;color:var(--navy);font-size:1.05rem;margin:0 0 .8rem}
.fact-card ul{list-style:none;margin:0;padding:0}.fact-card li{display:flex;justify-content:space-between;gap:1rem;padding:.75rem 0;border-top:1px solid var(--line);font-size:.93rem}
.fact-card li span{color:var(--mute)}.fact-card li b{text-align:right;color:var(--navy);max-width:58%}
.fact-foot{margin:.8rem 0 0;font-size:.8rem;color:var(--mute)}
.contact-card>a,.contact-card>div{display:flex;gap:.9rem;align-items:center;padding:.7rem 0;border-top:1px solid var(--line);font-size:.95rem;word-break:break-word}
.contact-card b{display:block;font-size:.78rem;text-transform:uppercase;letter-spacing:.08em;color:var(--mute)}.contact-card .ic{width:44px;height:44px}
/* strip */
.strip{background:var(--cream);border-bottom:1px solid var(--line)}
.strip-in{display:flex;flex-wrap:wrap;justify-content:space-between;gap:.8rem 2rem;padding:1.1rem 0;font-weight:600;font-size:.93rem}
.strip span{display:flex;align-items:center;gap:.5rem}.strip svg{color:var(--goldd);width:20px;height:20px}
/* sections */
.section{padding:clamp(3.5rem,7vw,5.5rem) 0}.section.cream{background:var(--cream)}
.section.navy{background:var(--navy);color:#DDE3EF}.section.navy h2,.section.navy h3{color:#fff}.section.navy .eyebrow{color:var(--gold2)}.section.navy .sec-head p{color:#C5CEDF}
.sec-head{max-width:720px;margin:0 0 2.5rem}.sec-head p:last-child{color:var(--mute);font-size:1.08rem;margin:0}
.grid{display:grid;gap:1.4rem}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}
.card,.term,.opt,.guide{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.7rem;transition:transform .25s,box-shadow .25s,border-color .25s;display:flex;flex-direction:column}
.card:hover,.guide:hover{transform:translateY(-4px);box-shadow:var(--sh);border-color:var(--gold2)}
.card h3{margin-top:1.1rem}.card p,.term p,.opt p,.guide p{color:var(--mute);font-size:.97rem;margin:0}
.more{margin-top:auto;padding-top:1.1rem;font-weight:700;color:var(--goldd);display:inline-flex;align-items:center;gap:.4em;font-size:.93rem}.more svg{width:16px;height:16px}
.note{margin:2rem 0 0;font-size:.9rem;color:var(--mute);border-left:3px solid var(--gold);padding-left:1rem;max-width:860px}
/* compare */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem}
.col{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.8rem}.col ul{margin:0;padding-left:1.1rem;color:var(--mute)}.col li{margin:.5em 0}
.col.best{background:var(--navy);border-color:var(--gold)}.col.best h3{color:var(--gold2)}.col.best ul{color:#E3E8F2}
/* promise */
.promise{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:1rem}
.promise li{background:rgba(255,255,255,.05);border:1px solid rgba(233,210,154,.28);border-radius:var(--r);padding:1.4rem}
.promise h3{font-size:1.05rem}.promise p{font-size:.92rem;margin:0;color:#C9D1E0}
.stars{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;background:rgba(201,162,75,.16);margin-bottom:.9rem}.stars svg{width:22px;height:22px;color:var(--gold)}
/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:1.4rem}
.steps li{border-top:3px solid var(--gold);padding-top:1.1rem}.steps p{color:var(--mute);font-size:.96rem;margin:0}
.num{font-weight:800;color:var(--gold);font-size:1.5rem;display:block;margin-bottom:.4rem}
.form-split .steps{grid-template-columns:1fr}
/* split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4rem);align-items:center}.split.tight{margin-top:2.5rem;align-items:start}
.split p{color:var(--mute)}.split .btn-gold{margin-top:.6rem}
.checks{list-style:none;margin:0;padding:0}.checks li{display:flex;gap:.8rem;padding:.75rem 0;border-bottom:1px solid var(--line);font-weight:500}
.checks svg{color:var(--goldd);flex:none;width:22px;height:22px;margin-top:.15em}
.mini-calc{box-shadow:var(--sh)}.mini-calc label,.form label,.fields label{display:block;font-size:.85rem;font-weight:700;color:var(--navy);margin-bottom:1rem}
input[type=text],input[type=tel],input[type=email],input:not([type]),select,textarea{display:block;width:100%;margin-top:.4rem;padding:.8em 1em;border:1.5px solid var(--line);border-radius:12px;font:inherit;font-size:1rem;color:var(--ink);background:#fff}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 4px rgba(201,162,75,.18)}
.mini-out{margin:0;font-size:1.05rem}.mini-out b{font-size:1.7rem;color:var(--navy)}.mini-out span{display:block;font-size:.82rem;color:var(--mute)}
/* about */
.pairs{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin-bottom:2.5rem}
.pairs p{margin:0;background:var(--cream);border-radius:14px;padding:1.2rem;font-size:1.02rem}.pairs s{color:var(--mute);display:block}.pairs b{font-family:"Caveat",cursive;font-size:1.7rem;color:var(--goldd);line-height:1.1}
.term .was{font-size:.76rem;text-transform:uppercase;letter-spacing:.1em;color:var(--goldd);font-weight:700;margin-bottom:.6rem}
/* options */
.tag{display:inline-block;align-self:flex-start;font-size:.74rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--goldd);background:#FBF3DD;padding:.35em .8em;border-radius:999px;margin-bottom:1rem}
.opt.best{background:var(--navy);border-color:var(--gold)}.opt.best h3{color:#fff}.opt.best p{color:#D5DCEA}
/* readiness */
.ready{display:grid;grid-template-columns:1.4fr .6fr;gap:2rem;align-items:center}
.ready-list{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
.ready-list label{display:flex;gap:.8rem;align-items:flex-start;background:rgba(255,255,255,.06);border:1px solid rgba(233,210,154,.25);border-radius:14px;padding:1rem;cursor:pointer;font-size:.95rem;color:#fff}
.ready-list input{width:20px;height:20px;accent-color:var(--gold);flex:none;margin-top:.15em}
.ready-meter{text-align:center;background:rgba(255,255,255,.06);border-radius:var(--r);padding:2rem 1.2rem;border:1px solid rgba(233,210,154,.35)}
.ready-num{font-size:3.6rem;font-weight:800;color:var(--gold2);margin:0;line-height:1}.ready-meter p:last-child{margin:.6rem 0 0;font-size:.95rem}
/* faq */
.faq{max-width:860px}.faq details,.guide details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:1.2rem 2.5rem 1.2rem 0;font-weight:700;font-size:1.08rem;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker,.guide summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:.3rem;top:50%;transform:translateY(-50%);font-size:1.6rem;color:var(--gold);font-weight:500}
.faq details[open] summary:after{content:"–"}.faq details p{color:var(--mute);margin:0 0 1.3rem;max-width:46em}
/* calculators */
.calcs{display:grid;gap:1.6rem}
.calc{border:1px solid var(--line);border-radius:22px;padding:1.8rem;background:#fff;box-shadow:var(--sh)}
.calc h3{display:flex;align-items:center;gap:.8rem;font-size:1.3rem;margin-bottom:1.4rem}.calc h3 .ic{width:44px;height:44px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem}
.fields small{display:block;font-weight:500;color:var(--mute);margin-top:.3rem}
.tick{display:flex!important;align-items:center;gap:.7rem;font-size:.98rem!important;cursor:pointer}.tick input{width:20px;height:20px;accent-color:var(--gold)}
.result{background:var(--navy);color:#fff;border-radius:18px;padding:1.6rem}
.big{font-size:2.6rem;font-weight:800;color:var(--gold2);margin:0;line-height:1.1}.sub{color:#C5CEDF;font-size:.9rem;margin:.2rem 0 1rem}
.result ul{list-style:none;margin:0;padding:0}.result li{display:flex;justify-content:space-between;gap:1rem;padding:.6rem 0;border-top:1px solid rgba(255,255,255,.14);font-size:.93rem}.result li span{color:#C5CEDF}
.warn{font-size:.85rem;color:var(--gold2);margin:.9rem 0 0}.warn:empty{display:none}
/* resources */
.guide details{border:0;margin-top:1rem}.guide summary{cursor:pointer;font-weight:700;color:var(--goldd);list-style:none}
.guide ul{margin:.8rem 0 0;padding-left:1.1rem;color:var(--mute);font-size:.95rem}.guide li{margin:.45em 0}
.gloss{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin:0}
.gloss div{background:#fff;border:1px solid var(--line);border-radius:14px;padding:1.2rem}.gloss dt{font-weight:800;color:var(--navy)}.gloss dd{margin:.3rem 0 0;color:var(--mute);font-size:.95rem}
/* form */
.form-split{align-items:start}.form{background:#fff;border:1px solid var(--line);border-radius:22px;padding:2rem;box-shadow:var(--sh);border-top:4px solid var(--gold)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}.small{font-size:.82rem;color:var(--mute);margin:1rem 0 0}.mt{margin-top:2rem}
/* cta + footer */
.cta{background:linear-gradient(135deg,#132A52,var(--navy));color:#D5DCEA;padding:clamp(3rem,6vw,4.5rem) 0;border-top:4px solid var(--gold)}
.cta-in{display:flex;align-items:center;justify-content:space-between;gap:2rem;flex-wrap:wrap}.cta h2{color:#fff}.cta p{margin:0;max-width:34em}.cta .btn-row{margin:0}
.site-foot{background:#081226;color:#B9C2D4;padding:4rem 0 2rem;font-size:.93rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:2.5rem}
.site-foot h4{color:#fff;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:1rem}
.foot-grid a:not(.brand),.foot-grid span:not(.mono):not(.brand-t){display:block;padding:.3rem 0}.foot-grid a:not(.brand):hover{color:var(--gold2)}
.foot-grid p{margin:1rem 0 0}
.legal{margin-top:3rem;padding-top:1.6rem;border-top:1px solid rgba(255,255,255,.12);font-size:.82rem;color:#8E99AE}.legal b{color:#D5DCEA}.legal p{margin:0 0 .6em}
.toast{position:fixed;left:50%;bottom:24px;transform:translate(-50%,140%);background:var(--navy);color:#fff;padding:1rem 1.4rem;border-radius:14px;border:1px solid var(--gold);box-shadow:var(--sh);transition:transform .35s,opacity .35s;opacity:0;visibility:hidden;z-index:99;max-width:92vw;font-weight:600}
.toast.show{transform:translate(-50%,0);opacity:1;visibility:visible}
/* responsive */
@media(max-width:1080px){.promise{grid-template-columns:repeat(3,1fr)}.nav{gap:1.1rem;font-size:.9rem}}
@media(max-width:940px){
 .burger{display:flex}
 .nav{position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:1rem 4%;border-bottom:1px solid var(--line);display:none;max-height:calc(100vh - 76px);overflow:auto}
 .nav.open{display:flex}.nav>a:not(.btn),.drop-btn{padding:.9em 0;border-bottom:1px solid var(--line);text-align:left;width:100%}
 .drop-menu{position:static;display:block;box-shadow:none;border:0;padding:0 0 0 1rem}.drop-btn:after{display:none}.nav .btn{margin-top:1rem;justify-content:center}
 .hero-grid,.split,.compare,.calc-grid,.ready{grid-template-columns:1fr}
 .g3,.pairs{grid-template-columns:repeat(2,1fr)}.foot-grid{grid-template-columns:1fr 1fr}.promise{grid-template-columns:repeat(2,1fr)}
 .badge.b1{left:0}.badge.b2{right:0}
}
@media(max-width:620px){
 body{font-size:16px}.g3,.g2,.pairs,.gloss,.row,.ready-list,.promise,.foot-grid{grid-template-columns:1fr}
 .brand-t small{display:none}.badge{position:static;margin:.8rem 0 0;max-width:none}.portrait{padding:0}
 .cta-in{flex-direction:column;align-items:flex-start}.big{font-size:2.1rem}.fact-card li{flex-direction:column;gap:.1rem}.fact-card li b{text-align:left;max-width:none}
}
/* ===== v2: photography + graphics ===== */
.hero.photo{background:linear-gradient(90deg,rgba(11,26,54,.97) 0%,rgba(11,26,54,.9) 38%,rgba(11,26,54,.55) 70%,rgba(11,26,54,.35) 100%),var(--bg) var(--pos,center)/cover no-repeat}
.hero.photo .lead{color:#E3E8F2}
.portrait-in.photo{padding:0;overflow:hidden;position:relative;background:#0B1A36}
.portrait-in.photo img{display:block;width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center 20%}
.portrait-tag{position:absolute;left:0;right:0;bottom:0;padding:3.5rem 1.2rem 1.3rem;background:linear-gradient(transparent,rgba(11,26,54,.95) 55%)}
.portrait .badge.b1{top:1.6rem}.portrait .badge.b2{bottom:5.5rem}
/* image cards */
.icard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;transition:transform .25s,box-shadow .25s,border-color .25s}
.icard:hover{transform:translateY(-5px);box-shadow:var(--sh);border-color:var(--gold2)}
.icard-img{position:relative;display:block;aspect-ratio:16/10;overflow:hidden}
.icard-img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .6s}.icard:hover .icard-img img{transform:scale(1.06)}
.icard-img .ic{position:absolute;left:1.2rem;bottom:-26px;border:3px solid #fff;box-shadow:0 8px 20px -8px rgba(0,0,0,.4)}
.icard-img{overflow:visible}.icard-img img{border-radius:var(--r) var(--r) 0 0}
.icard-body{display:flex;flex-direction:column;flex:1;padding:2.4rem 1.6rem 1.6rem}.icard-body p{color:var(--mute);font-size:.97rem;margin:0}
/* feature photo sections */
.feature{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(2rem,5vw,4.5rem);align-items:center}
.feature.flip>figure{order:2}
.feature p{color:var(--mute)}.section.cream .feature p{color:var(--mute)}
.photo-frame{margin:0;position:relative;border-radius:24px}
.photo-frame img{display:block;width:100%;aspect-ratio:4/5;object-fit:cover;border-radius:24px;box-shadow:var(--sh);position:relative;z-index:1}
.photo-frame:before{content:"";position:absolute;inset:1.4rem -1.4rem -1.4rem 1.4rem;border:2px solid var(--gold);border-radius:24px}
.feature.flip .photo-frame:before,.flip>.photo-frame:before{inset:1.4rem 1.4rem -1.4rem -1.4rem}
.split.with-photo{grid-template-columns:.8fr 1.2fr;align-items:center}.split.with-photo.flip>figure{order:2}
.split.with-photo .photo-frame img{aspect-ratio:4/4.4}
/* CTA photo */
.cta{background:linear-gradient(120deg,rgba(19,42,82,.96),rgba(11,26,54,.86)),var(--bg) center/cover no-repeat}
/* down payment visual */
.dp{background:#fff;border:1px solid var(--line);border-radius:22px;padding:2rem;box-shadow:var(--sh)}
.dp-range{display:block;font-weight:700;color:var(--navy)}.dp-range span{display:flex;justify-content:space-between;align-items:baseline}.dp-range b{font-size:1.6rem}
.dp-range input{width:100%;margin:1rem 0 1.6rem;accent-color:var(--gold);height:6px}
.dp-bar{display:flex;height:54px;border-radius:14px;overflow:hidden;background:#EEF1F6}
.seg{display:block;height:100%;transition:width .35s}.seg.a,.sw.a{background:linear-gradient(135deg,var(--gold2),var(--gold))}.seg.b,.sw.b{background:var(--navy)}
.dp-legend{display:grid;grid-template-columns:1fr 1fr 1fr;gap:1rem;margin-top:1.3rem}
.dp-legend p{margin:0;font-size:.92rem;color:var(--mute);display:flex;flex-direction:column;gap:.2rem}.dp-legend b{font-size:1.35rem;color:var(--navy)}
.dp-legend .tot{background:var(--cream);border-radius:14px;padding:.8rem 1rem}.dp-legend .tot b{color:var(--goldd)}
.sw{display:inline-block;width:12px;height:12px;border-radius:3px;margin-right:.4rem;vertical-align:middle}
.dp-note{margin:1.2rem 0 0;font-size:.9rem;color:var(--mute)}.dp-note:empty{display:none}
/* principal vs interest */
.pi{margin-top:1.1rem;padding-top:1rem;border-top:1px solid rgba(255,255,255,.14)}
.pi-t{margin:0 0 .6rem;font-size:.82rem;color:#C5CEDF;text-transform:uppercase;letter-spacing:.08em}
.pi-bar{display:flex;height:14px;border-radius:999px;overflow:hidden;background:rgba(255,255,255,.1)}
.pi-bar .p,.sw.p{background:var(--gold2)}.pi-bar .i,.sw.i{background:#5E7BB0}.pi-bar span{transition:width .35s}
.pi-l{display:flex;justify-content:space-between;gap:1rem;margin:.6rem 0 0;font-size:.88rem;color:#C5CEDF}.pi-l b{color:#fff}
/* renewal timeline */
.tl{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;position:relative}
.tl:before{content:"";position:absolute;left:4%;right:4%;top:32px;height:2px;background:linear-gradient(90deg,rgba(233,210,154,.25),var(--gold))}
.tl li{position:relative;text-align:center}.tl b{display:block;color:#fff;margin:.9rem 0 .3rem}.tl p{margin:0;font-size:.93rem;color:#C5CEDF}
.dot{display:grid;place-items:center;width:64px;height:64px;margin:0 auto;border-radius:50%;background:var(--navy2);border:2px solid var(--gold);color:var(--gold2);font-weight:800;font-size:1.15rem;position:relative;z-index:1}
.dot.gold{background:linear-gradient(135deg,var(--gold2),var(--gold));color:var(--navy);font-size:1.5rem}
/* contact card head */
.cc-head{display:flex;align-items:center;gap:1rem;padding-bottom:1rem}.cc-head img{width:76px;height:76px;border-radius:50%;object-fit:cover;object-position:center 15%;border:3px solid var(--gold)}
.cc-head p{margin:0;font-size:.88rem;color:var(--mute);line-height:1.4}.cc-head b{display:block;font-size:1.1rem;color:var(--navy)}
@media(max-width:940px){
 .feature,.split.with-photo{grid-template-columns:1fr}.feature.flip>figure,.split.with-photo.flip>figure{order:0}
 .photo-frame{max-width:460px;margin:0 auto 1rem;width:92%}.dp-legend{grid-template-columns:1fr}
 .tl{grid-template-columns:1fr 1fr}.tl:before{display:none}
 .hero.photo{background:linear-gradient(180deg,rgba(11,26,54,.9),rgba(11,26,54,.82)),var(--bg) var(--pos,center)/cover no-repeat}
}
@media(max-width:620px){.tl{grid-template-columns:1fr}.portrait .badge.b2{bottom:auto}}
.portrait .badge.b2{bottom:auto;top:52%;right:-1.4rem}
@media(max-width:620px){.portrait .badge.b2{top:auto}}
.contact-card .cc-head b{text-transform:none;letter-spacing:-.01em;font-size:1.1rem;color:var(--navy)}

/* synced with Framer version */
.hero-checks{margin-top:1.4rem}.hero-checks li{color:#DDE3EF;font-size:.95rem;padding:.25rem 0;border:0}.hero-checks svg{color:var(--gold2)}
@media(max-width:620px){.section.center-mobile .sec-head{text-align:center;margin-left:auto;margin-right:auto}}

/* ---- Motion (matches the Framer version). Only active when JS adds .anim to <html>. ---- */
html.anim .rv{opacity:0;transform:translateY(36px);transition:opacity .8s cubic-bezier(.22,1,.36,1) var(--d,0s),transform .8s cubic-bezier(.22,1,.36,1) var(--d,0s)}
html.anim .rv.m{transform:translateY(16px)}
html.anim .rv.pop{transform:translateY(30px) scale(.97);transition-duration:1.1s;transition-timing-function:cubic-bezier(.34,1.35,.64,1)}
html.anim .rv.sc{transform:scale(.94);transition-duration:1s}
html.anim .rv.in{opacity:1;transform:none}
html.anim .rv.words{opacity:1;transform:none;transition:none}
html.anim .words .w{display:inline-block;opacity:0;transform:translateY(28px);filter:blur(8px);transition:opacity .9s cubic-bezier(.22,1,.36,1),transform .9s cubic-bezier(.34,1.3,.64,1),filter .9s cubic-bezier(.22,1,.36,1);transition-delay:calc(.15s + var(--i) * .07s)}
html.anim .words.in .w{opacity:1;transform:none;filter:blur(0)}
.card:hover,.guide:hover,.opt:hover,.term:hover{transform:translateY(-6px);box-shadow:0 28px 50px -24px rgba(11,26,54,.35)}
.icard:hover{transform:translateY(-6px);box-shadow:0 28px 50px -24px rgba(11,26,54,.35)}
.strip-in.tick{display:block;overflow:hidden;padding:1.1rem 0;-webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}
.tick-track{display:flex;width:max-content;animation:tick 45s linear infinite}
.tick-set{display:flex;flex:none}.tick-set>span{flex:none;padding-right:3rem;white-space:nowrap}
@keyframes tick{to{transform:translateX(-50%)}}
@keyframes floaty{50%{transform:translateY(-8px)}}
html.anim .portrait .badge{animation:floaty 5s ease-in-out infinite}html.anim .portrait .badge.b2{animation-delay:-2.5s}
@media(max-width:620px){html.anim .portrait .badge{animation:none}}
@media(prefers-reduced-motion:reduce){.tick-track{animation:none}.strip-in.tick{-webkit-mask-image:none;mask-image:none}.tick-set[aria-hidden]{display:none}.tick-set{flex-wrap:wrap}}
html.anim:not(.anim-go) .rv,html.anim:not(.anim-go) .w{transition:none!important}
html.anim:not(.anim-go) .hero-copy>*,html.anim:not(.anim-go) .hero-aside>*{opacity:0}
.strip{overflow:hidden}

/* Mortgage Assurance logos */
.brand-wrap{display:flex;align-items:center;gap:1rem}
.ma-logo{display:flex;align-items:center;padding-left:1rem;border-left:1px solid var(--line)}
.ma-logo img{height:40px;width:auto;display:block}
.ma-seal{display:inline-block;margin-top:1.2rem}
.ma-seal img{width:96px;height:96px;display:block;border-radius:50%;background:#fff}
@media(max-width:1100px){.ma-logo img{height:34px}}
@media(max-width:620px){.brand-wrap{gap:.6rem}.ma-logo{padding-left:.6rem}.ma-logo img{height:26px}.brand-t small{display:none}}
@media(max-width:1180px) and (min-width:941px){.brand-t small{display:none}.nav .btn{white-space:nowrap}.nav{gap:1rem}}
.mono-logo{width:52px;height:52px;border-radius:50%;background:#fff;display:block;flex:none}
.ma-rect{display:inline-block;margin-top:1.2rem}.ma-rect img{height:60px;width:auto;display:block;border-radius:4px}
@media(max-width:620px){.mono-logo{width:44px;height:44px}}