/* Fundi Finance — static site styles (brand: charcoal + taupe) */
:root{
  --navy:#202229; --charcoal:#2b2e37; --slate:#3c424e;
  --accent:#948d77; --accent-dark:#6d6650; --stone:#b4ae96;
  --cream:#f6f5f1; --white:#fff; --text:#23252e; --muted:#5f6572;
  --border:#e6e4dd; --green:#1f9d6b;
  --maxw:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0; background:var(--cream); color:var(--text);
  font-family:'Inter',-apple-system,'Segoe UI',Roboto,sans-serif;
  line-height:1.6; -webkit-font-smoothing:antialiased;
}
a{color:var(--accent-dark)}
img{max-width:100%; display:block}
h1,h2,h3{letter-spacing:-0.5px; line-height:1.12; margin:0}
.wrap{max-width:var(--maxw); margin:0 auto; padding:0 24px}
.skip{position:absolute;left:-9999px;top:8px;z-index:200;background:var(--accent);color:var(--navy);padding:10px 16px;border-radius:8px;font-weight:800;font-size:14px;text-decoration:none}
.skip:focus{left:8px}
.eyebrow{display:inline-block; font-size:11px; font-weight:700; letter-spacing:1.8px;
  text-transform:uppercase; color:var(--accent-dark); margin-bottom:12px}
.eyebrow.on-dark{color:var(--accent)}
.sec{padding:72px 0}
.sec--cream{background:var(--cream)} .sec--white{background:var(--white)} .sec--navy{background:var(--navy)}
.lede{font-size:15.5px; line-height:1.85; color:var(--text)}
.muted{color:var(--muted)}

/* buttons */
.btn{display:inline-flex; align-items:center; gap:8px; font-weight:800; font-size:14.5px;
  padding:13px 22px; border-radius:9px; text-decoration:none; cursor:pointer; border:1.6px solid transparent;
  transition:transform .15s ease, background .15s ease, color .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn--primary{background:var(--accent); color:var(--navy)}
.btn--primary:hover{background:var(--accent-dark); color:#fff}
.btn--ghost{background:transparent; color:var(--charcoal); border-color:var(--border)}
.btn--ghost:hover{border-color:var(--accent); color:var(--accent-dark)}
.btn--ghost-dark{background:transparent; color:#fff; border-color:rgba(255,255,255,.28)}
.btn--ghost-dark:hover{border-color:var(--accent); color:var(--accent)}
.btn--big{padding:15px 26px; font-size:15.5px}
.btn .ico{width:17px;height:17px}

/* header / nav */
.hdr{position:sticky; top:0; z-index:80; background:rgba(32,34,41,.92);
  backdrop-filter:blur(10px); border-bottom:1px solid rgba(255,255,255,.08)}
.hdr__in{display:flex; align-items:center; justify-content:space-between; height:66px}
.hdr__logo img{height:26px}
.nav{display:flex; align-items:center; gap:4px}
.nav__item{position:relative}
.nav__link{display:inline-flex; align-items:center; gap:5px; color:rgba(255,255,255,.82);
  text-decoration:none; font-size:14px; font-weight:600; padding:10px 13px; border-radius:7px}
.nav__link:hover,.nav__link[aria-current="page"]{color:#fff; background:rgba(255,255,255,.07)}
.nav__sub{position:absolute; top:100%; left:0; min-width:230px; background:var(--charcoal);
  border:1px solid rgba(255,255,255,.1); border-radius:10px; padding:8px; margin-top:4px;
  opacity:0; visibility:hidden; transform:translateY(6px); transition:.16s; box-shadow:0 20px 50px rgba(0,0,0,.3)}
.nav__item:hover .nav__sub, .nav__item:focus-within .nav__sub{opacity:1; visibility:visible; transform:none}
.nav__sub a{display:block; color:rgba(255,255,255,.78); text-decoration:none; font-size:13.5px;
  padding:9px 12px; border-radius:6px}
.nav__sub a:hover{background:rgba(255,255,255,.08); color:#fff}
.hdr__cta{display:flex; align-items:center; gap:10px}
.hdr__call{color:var(--accent); text-decoration:none; font-weight:700; font-size:14px}
.burger{display:none; background:none; border:none; color:#fff; cursor:pointer; padding:10px; min-width:44px; min-height:44px}
.burger .ico{width:24px;height:24px}
.mobile-nav{display:none; background:var(--charcoal); border-bottom:1px solid rgba(255,255,255,.08)}
.mobile-nav.open{display:block}
.mobile-nav a{display:block; color:rgba(255,255,255,.85); text-decoration:none; padding:13px 24px;
  border-top:1px solid rgba(255,255,255,.06); font-weight:600; font-size:15px}

/* hero */
.hero{position:relative; overflow:hidden; background:var(--navy); color:#fff}
.hero__bg{position:absolute; inset:0; width:100%; height:100%; object-fit:cover; filter:brightness(.5) saturate(1.05)}
.hero__grad{position:absolute; inset:0;
  background:linear-gradient(105deg,#202229f5 0%,#202229e6 42%,#20222966 78%,#20222933 100%)}
.hero__grad2{position:absolute; inset:0; background:linear-gradient(0deg,#20222966 0%,transparent 45%)}
.hero__mark{position:absolute; right:3%; bottom:-70px; width:340px; opacity:.08; pointer-events:none}
.hero__in{position:relative; max-width:var(--maxw); margin:0 auto; padding:128px 24px 70px}
.hero__chip{display:inline-flex; align-items:center; gap:7px; background:rgba(148,141,119,.16);
  border:1px solid rgba(148,141,119,.45); border-radius:6px; padding:6px 13px; margin-bottom:22px;
  font-size:11px; font-weight:700; letter-spacing:1.5px; text-transform:uppercase; color:var(--accent)}
.hero h1{font-size:clamp(2.4rem,5.2vw,4rem); font-weight:900; letter-spacing:-2px; max-width:760px; margin-bottom:20px}
.hero h1 .hl{color:var(--accent)}
.hero__sub{font-size:1.08rem; color:rgba(255,255,255,.66); line-height:1.75; max-width:520px; margin-bottom:32px}
.hero__btns{display:flex; gap:12px; flex-wrap:wrap}
.hero__trust{display:flex; gap:26px; margin-top:38px; flex-wrap:wrap}
.hero__trust span{display:inline-flex; align-items:center; gap:8px; color:rgba(255,255,255,.55); font-size:12.5px; font-weight:500}
.hero__trust .ico{width:16px;height:16px;color:var(--accent)}
.pagehero{position:relative; overflow:hidden; background:var(--navy); color:#fff}
.pagehero__in{position:relative; max-width:var(--maxw); margin:0 auto; padding:118px 24px 64px}
.pagehero h1{font-size:clamp(2.1rem,4.6vw,3.2rem); font-weight:900; letter-spacing:-1.5px; max-width:780px}
.pagehero__sub{font-size:1.05rem; color:rgba(255,255,255,.6); line-height:1.7; max-width:600px; margin-top:16px}
.crumbs{font-size:12.5px; color:rgba(255,255,255,.45); margin-bottom:18px}
.crumbs a{color:rgba(255,255,255,.6); text-decoration:none}
.crumbs a:hover{color:var(--accent)}

/* stats band */
.stats{background:var(--accent); padding:42px 0}
.stats__grid{display:grid; grid-template-columns:repeat(4,1fr); gap:16px; text-align:center; max-width:860px; margin:0 auto}
.stats__n{font-size:2.4rem; font-weight:900; color:var(--navy); letter-spacing:-1.5px; line-height:1}
.stats__l{font-size:11px; font-weight:700; color:rgba(32,34,41,.66); text-transform:uppercase; letter-spacing:1.3px; margin-top:6px}

/* grids + cards */
.grid{display:grid; gap:16px}
.grid--3{grid-template-columns:repeat(3,1fr)}
.grid--2{grid-template-columns:repeat(2,1fr)}
.card{display:block; text-decoration:none; background:var(--white); border:1.5px solid var(--border);
  border-radius:14px; padding:28px 24px; transition:.2s; box-shadow:0 1px 4px rgba(0,0,0,.04); color:var(--text)}
.card:hover{transform:translateY(-3px); border-color:var(--accent); box-shadow:0 22px 50px rgba(0,0,0,.14)}
.card__ico{width:46px;height:46px;border-radius:11px;display:flex;align-items:center;justify-content:center;
  background:rgba(148,141,119,.16); margin-bottom:16px}
.card__ico .ico{width:22px;height:22px;color:var(--accent-dark)}
.card h3{font-size:16.5px; font-weight:800; margin-bottom:8px; color:var(--text)}
.card p{font-size:13.5px; line-height:1.65; color:var(--muted); margin:0}
.card__more{display:inline-flex; align-items:center; gap:5px; margin-top:14px; color:var(--accent-dark); font-size:13px; font-weight:700}
.card__more .ico{width:14px;height:14px}

.section-head{margin-bottom:40px}
.section-head h2{font-size:clamp(1.8rem,3.3vw,2.4rem); font-weight:900; color:var(--charcoal); max-width:520px}
.section-head p{color:var(--muted); margin-top:12px; max-width:460px; font-size:14.5px}

/* split content (service/location detail) */
.split{display:grid; grid-template-columns:1.1fr .9fr; gap:52px; align-items:start; max-width:1080px; margin:0 auto}
.split--even{grid-template-columns:1fr 1fr}
.split > img{width:100%; height:360px; object-fit:cover; border-radius:16px; box-shadow:0 18px 40px rgba(0,0,0,.14)}
.points{display:grid; grid-template-columns:1fr 1fr; gap:18px; margin-top:8px}
.point{background:var(--cream); border:1px solid var(--border); border-radius:12px; padding:20px}
.point__h{display:flex; align-items:center; gap:9px; margin-bottom:8px; font-weight:800; font-size:14.5px; color:var(--charcoal)}
.tick{width:22px;height:22px;border-radius:50%;background:rgba(31,157,107,.12);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.tick .ico{width:13px;height:13px;color:var(--green)}
.point p{font-size:13.5px;line-height:1.65;color:var(--muted);margin:0}
.comefor{display:flex;flex-direction:column;gap:10px;margin-top:6px}
.comefor div{display:flex;gap:10px;align-items:center;font-size:14px}
.aside{background:var(--navy); border-radius:16px; padding:30px; color:#fff; position:sticky; top:88px}
.aside__who{display:flex;gap:12px;align-items:center;padding-bottom:16px;border-bottom:1px solid rgba(255,255,255,.1)}
.aside__who img{width:54px;height:54px;border-radius:50%;object-fit:cover;border:2px solid var(--accent);flex:none}
.aside__who b{display:block;color:#fff;font-size:14.5px}
.aside__who span{color:rgba(255,255,255,.5);font-size:12px}
.contact-face{display:flex;gap:14px;align-items:center;margin-bottom:20px}
.contact-face img{width:64px;height:64px;border-radius:50%;object-fit:cover;border:2.5px solid var(--accent);flex:none}
.contact-face b{display:block;color:var(--charcoal);font-size:16px}
.contact-face span{color:var(--muted);font-size:12.5px}
.aside h3{color:#fff;font-size:18px;font-weight:800;margin-bottom:8px}
.aside p{color:rgba(255,255,255,.55);font-size:13.5px;line-height:1.7;margin:0 0 18px}
.aside__row{display:flex;gap:11px;align-items:center;padding:11px 0;border-top:1px solid rgba(255,255,255,.08)}
.aside__row .ico{width:17px;height:17px;color:var(--accent);flex-shrink:0}
.aside__row span{color:rgba(255,255,255,.78);font-size:13.5px}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:8px}
.chip{background:var(--white);border:1px solid var(--border);border-radius:999px;padding:8px 16px;
  font-size:13.5px;color:var(--charcoal);font-weight:600;text-decoration:none}
a.chip:hover{border-color:var(--accent);color:var(--accent-dark)}
span.chip{background:transparent;border-style:dashed;color:var(--muted);font-weight:600}

/* reviews */
.reviews{background:var(--navy);color:#fff;text-align:center}
.review{max-width:620px;margin:0 auto}
.review p{font-size:1.1rem;line-height:1.85;color:rgba(255,255,255,.86);font-style:italic;margin:0 0 20px}
.review__who{font-weight:700;color:#fff;font-size:14px}
.review__type{font-size:12px;color:var(--accent);font-weight:600}
.review__top{display:flex;align-items:center;gap:11px;margin-bottom:12px}
.review__avatar{flex:none;width:40px;height:40px;border-radius:50%;background:var(--accent);color:var(--navy);font-weight:800;font-size:14px;display:flex;align-items:center;justify-content:center;letter-spacing:.5px}
.review__top > div{flex:1;min-width:0}
.review__g{flex:none;opacity:.9;display:inline-flex}
.review-badge .review__g{transform:translateY(-1px)}
.gstars,.gstars-row{display:inline-flex;gap:2px;line-height:1}
.gstars-row{margin-bottom:12px}
.review-badge{display:inline-flex;align-items:center;gap:12px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:999px;padding:11px 20px}
.review-head{text-align:center;max-width:640px;margin:0 auto}
.review-badge b{color:#fff;font-size:16px;font-weight:800}
.review-badge__c{color:rgba(255,255,255,.72);font-size:13px;font-weight:600;padding-left:12px;margin-left:2px;border-left:1px solid rgba(255,255,255,.18)}
.review-badge--light{background:var(--white);border:1px solid var(--border)}
.review-badge--light b{color:var(--charcoal)}
.review-badge--light .review-badge__c{color:var(--muted);border-left-color:var(--border)}
.stars{display:inline-flex;gap:3px;margin-bottom:22px;color:var(--accent)}
.stars .ico{width:20px;height:20px;fill:var(--accent)}
.review-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;text-align:left}
.review-card{background:var(--white);border:1px solid var(--border);border-radius:14px;padding:26px}
.review-card p{font-size:14.5px;line-height:1.75;color:var(--text);margin:0 0 16px}

/* ===== Reviews (revamped, polished testimonial) ===== */
.rev-badge{display:inline-flex;align-items:center;gap:11px;padding:9px 16px;border-radius:999px;background:var(--white);border:1px solid var(--border);box-shadow:0 2px 12px rgba(0,0,0,.06)}
.rev-badge--dark{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);box-shadow:none}
.rev-badge__g{display:inline-flex;flex:none}
.rev-badge__g svg{display:block;width:22px;height:22px}
.rev-badge__stars{display:inline-flex;align-items:center;gap:2px}
.rev-badge__stars svg{display:block;width:17px;height:17px}
.rev-badge__sep{flex:none;width:1px;height:18px;background:var(--border)}
.rev-badge--dark .rev-badge__sep{background:rgba(255,255,255,.2)}
.rev-badge__txt{font-size:13.5px;font-weight:600;color:var(--muted);white-space:nowrap}
.rev-badge__txt b{font-weight:800;color:var(--charcoal)}
.rev-badge--dark .rev-badge__txt{color:rgba(255,255,255,.72)}
.rev-badge--dark .rev-badge__txt b{color:#fff}
.rev-stars{display:inline-flex;align-items:center;gap:3px}
.rev-stars svg{display:block;width:18px;height:18px}
.rev-grid{columns:2;column-gap:20px;text-align:left;margin-top:38px}
.rev-card{position:relative;display:flex;flex-direction:column;break-inside:avoid;-webkit-column-break-inside:avoid;margin:0 0 20px;background:var(--white);border:1px solid var(--border);border-radius:16px;padding:28px 28px 22px;box-shadow:0 1px 3px rgba(0,0,0,.05);overflow:hidden;transition:transform .2s ease,box-shadow .2s ease}
.rev-card:hover{transform:translateY(-3px);box-shadow:0 20px 44px rgba(0,0,0,.14)}
.rev-card__q{position:absolute;top:6px;right:22px;font-family:Georgia,'Times New Roman',serif;font-size:96px;line-height:1;color:var(--accent);opacity:.13;pointer-events:none;user-select:none}
.rev-card .rev-stars{margin-bottom:14px}
.rev-card__text{position:relative;font-size:15px;line-height:1.75;color:var(--text);margin:0 0 22px}
.rev-card__foot{display:flex;align-items:center;gap:12px;margin-top:auto;padding-top:18px;border-top:1px solid var(--border)}
.rev-card__avatar{flex:none;width:42px;height:42px;border-radius:50%;background:var(--accent);color:var(--navy);font-weight:800;font-size:13.5px;display:flex;align-items:center;justify-content:center;letter-spacing:.5px}
.rev-card__meta{flex:1;min-width:0;display:flex;flex-direction:column}
.rev-card__name{font-weight:800;color:var(--charcoal);font-size:14.5px;line-height:1.2}
.rev-card__role{font-size:12.5px;color:var(--muted);font-weight:600;margin-top:3px}
.rev-card__src{flex:none;display:inline-flex;align-items:center;gap:6px;font-size:12px;color:var(--muted);font-weight:600}
.rev-card__src svg{display:block;width:16px;height:16px}
@media(max-width:760px){.rev-grid{columns:1}}

/* rolling review banner (home) */
.rev-marquee{position:relative;overflow:hidden;margin-top:40px}
.rev-marquee::before,.rev-marquee::after{content:"";position:absolute;top:0;bottom:0;width:80px;z-index:2;pointer-events:none}
.rev-marquee::before{left:0;background:linear-gradient(90deg,var(--navy),rgba(32,34,41,0))}
.rev-marquee::after{right:0;background:linear-gradient(270deg,var(--navy),rgba(32,34,41,0))}
.rev-track{display:flex;width:max-content;animation:rev-scroll 80s linear infinite}
.rev-marquee:hover .rev-track{animation-play-state:paused}
.rev-marquee .rev-card{flex:0 0 360px;width:360px;height:300px;margin:6px 20px 6px 0;text-align:left}
.rev-marquee .rev-card:hover{transform:none;box-shadow:0 1px 3px rgba(0,0,0,.05)}
.rev-marquee .rev-card__text{display:-webkit-box;-webkit-line-clamp:5;-webkit-box-orient:vertical;overflow:hidden}
@keyframes rev-scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(max-width:560px){.rev-marquee .rev-card{flex-basis:290px;width:290px;height:320px}.rev-marquee::before,.rev-marquee::after{width:40px}}
@media(prefers-reduced-motion:reduce){.rev-track{animation:none;overflow-x:auto}}

/* about page fact tiles */
.about-facts{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:26px}
.about-fact{display:flex;align-items:flex-start;gap:13px;background:var(--cream);border:1px solid var(--border);border-radius:12px;padding:16px 18px}
.about-fact__ic{flex:none;width:38px;height:38px;border-radius:10px;background:rgba(148,141,119,.16);display:flex;align-items:center;justify-content:center;color:var(--accent-dark)}
.about-fact__ic svg{width:19px;height:19px;display:block}
.about-fact__bd{min-width:0}
.about-fact__k{display:block;font-size:11px;font-weight:700;letter-spacing:.8px;text-transform:uppercase;color:var(--accent-dark)}
.about-fact__v{display:block;font-size:14px;font-weight:700;color:var(--charcoal);margin-top:3px;line-height:1.35}
.about-fact__sub{display:block;font-size:12.5px;color:var(--muted);margin-top:2px;line-height:1.4}
@media(max-width:560px){.about-facts{grid-template-columns:1fr}}

/* about page remodel */
.about-intro{display:grid;grid-template-columns:.82fr 1fr;gap:54px;align-items:center}
.about-intro__media{position:relative;isolation:isolate}
.about-intro__media::after{content:"";position:absolute;right:-16px;bottom:-16px;width:140px;height:140px;border-radius:16px;background:rgba(148,141,119,.22);z-index:0}
.about-portrait{position:relative;z-index:1;width:100%;height:auto;max-height:560px;object-fit:cover;object-position:top;border-radius:18px;box-shadow:0 28px 60px rgba(32,34,41,.20)}
.about-intro__h{font-size:clamp(1.7rem,3vw,2.35rem);font-weight:900;color:var(--charcoal);letter-spacing:-1px;margin:10px 0 18px}
.about-sign{margin-top:26px;padding-top:20px;border-top:1px solid var(--border)}
.about-sign__name{display:block;font-weight:900;color:var(--charcoal);font-size:16px}
.about-sign__role{display:block;font-size:13px;color:var(--muted);margin-top:3px}
.about-facts--4{grid-template-columns:repeat(4,1fr);margin-top:44px}
.grid--4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.about-intro{grid-template-columns:1fr;gap:34px}.about-intro__media{max-width:420px}.about-facts--4{grid-template-columns:1fr 1fr}.grid--4{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.about-facts--4,.grid--4{grid-template-columns:1fr}}

/* faq */
.faq{max-width:760px;margin:0 auto}
.faq details{background:var(--white);border:1px solid var(--border);border-radius:12px;padding:0;margin-bottom:12px}
.faq summary{list-style:none;cursor:pointer;padding:20px 22px;font-weight:700;font-size:15.5px;color:var(--charcoal);
  display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary .ico{width:18px;height:18px;color:var(--accent-dark);transition:.2s;flex-shrink:0}
.faq details[open] summary .ico{transform:rotate(180deg)}
.faq details > p{padding:0 22px 20px;margin:0;font-size:14.5px;line-height:1.8;color:var(--muted)}

/* lenders */
.lenders{display:flex;flex-wrap:wrap;gap:26px;align-items:center;justify-content:center}
.lenders img{max-height:30px;max-width:96px;object-fit:contain;filter:grayscale(.3);opacity:.85}
.lender-marquee{overflow:hidden;position:relative;
  -webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);
  mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}
.lender-track{display:flex;align-items:center;gap:52px;width:max-content;animation:lender-scroll 55s linear infinite}
.lender-marquee:hover .lender-track{animation-play-state:paused}
.lender-track img{height:36px;width:auto;max-width:170px;object-fit:contain;flex:none}
@keyframes lender-scroll{from{transform:translateX(0)}to{transform:translateX(-50%)}}

/* process */
.process{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.step{background:var(--white);border:1px solid var(--border);border-radius:14px;padding:24px 22px;box-shadow:0 1px 4px rgba(0,0,0,.05)}
.step__n{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:10px;background:rgba(148,141,119,.16);color:var(--accent-dark);font-size:14px;font-weight:800;margin-bottom:14px}
.step h3{font-size:16px;font-weight:800;color:var(--charcoal);margin:0 0 6px}
.step p{font-size:13.5px;line-height:1.65;color:var(--muted);margin:0}

/* article */
.article{max-width:680px;margin:0 auto}
.article__meta{display:flex;gap:14px;align-items:center;color:var(--muted);font-size:12.5px;font-weight:600;
  text-transform:uppercase;letter-spacing:1px;margin-bottom:24px}
.article h2{font-size:1.3rem;font-weight:800;color:var(--charcoal);margin:26px 0 10px}
.article p{font-size:16px;line-height:1.85;color:var(--text);margin:0 0 16px}
.callout{background:var(--cream);border:1px solid var(--border);border-radius:14px;padding:24px;margin-top:24px}
.callout p{font-size:14px;color:var(--muted);margin:0 0 16px}

/* cta band */
.ctaband{background:var(--charcoal);color:#fff;text-align:center;position:relative;overflow:hidden}
.ctaband h2{font-size:clamp(1.7rem,3.2vw,2.3rem);font-weight:900;margin-bottom:14px}
.ctaband p{color:rgba(255,255,255,.6);max-width:520px;margin:0 auto 26px}
.ctaband__btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* calculator */
.calc{max-width:560px;margin:0 auto;background:var(--cream);border:1px solid var(--border);border-radius:16px;padding:32px}
.calc__tabs{display:flex;gap:6px;background:#eceae3;padding:5px;border-radius:11px;margin-bottom:26px}
.calc__tab{flex:1;padding:12px 6px;border:none;cursor:pointer;background:transparent;color:var(--muted);
  font-weight:700;font-size:13.5px;border-radius:8px}
.calc__tab.active{background:#fff;color:var(--charcoal);box-shadow:0 1px 4px rgba(0,0,0,.08)}
.calc__panel{display:none} .calc__panel.active{display:block}
.field{margin-bottom:18px}
.field label{display:block;font-size:13px;font-weight:600;color:var(--text);margin-bottom:8px}
.field input,.field select{width:100%;padding:12px 14px;border:1.5px solid var(--border);border-radius:8px;
  font-size:14px;background:#fff;color:var(--text);font-family:inherit}
.field input:focus,.field select:focus{outline:none;border-color:var(--accent)}
.field--row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
/* money input box (replaces sliders) */
.nf{display:flex;align-items:center;border:1.5px solid var(--border);border-radius:8px;background:#fff;transition:border-color .15s}
.nf:focus-within{border-color:var(--accent)}
.nf>span{padding-left:14px;color:var(--muted);font-weight:700;font-size:15px}
.field .nf input{flex:1;width:100%;border:none;background:transparent;padding:12px 14px 12px 6px;font-size:15px;font-family:inherit;color:var(--text)}
.field .nf input:focus{outline:none;border:none}
.nf input::-webkit-outer-spin-button,.nf input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.nf input[type=number]{-moz-appearance:textfield;appearance:textfield}
/* narrative question labels on the borrowing calculator */
.field--q label{font-size:15.5px;font-weight:800;color:var(--navy)}
.calc__check{display:flex;align-items:center;gap:9px;font-size:13.5px;color:var(--text);cursor:pointer}
.calc__result{margin-top:24px;background:var(--navy);border-radius:12px;padding:26px;display:flex;gap:14px;flex-wrap:wrap}
.calc__result .r{flex:1;min-width:130px;text-align:center}
.calc__result .r .l{font-size:10px;color:rgba(255,255,255,.6);text-transform:uppercase;letter-spacing:2px;margin-bottom:8px}
.calc__result .r .v{font-size:2rem;font-weight:900;color:var(--accent);letter-spacing:-1.5px;line-height:1}
.calc__result .r.sub .v{font-size:1.35rem;color:#fff}
.calc__result .r .s{font-size:11px;color:rgba(255,255,255,.5);margin-top:8px}
.calc__explore{margin-top:24px;padding-top:22px;border-top:1.5px dashed var(--border)}
.calc__note{font-size:11.5px;color:var(--muted);text-align:center;margin:16px 0 0;line-height:1.6}

/* sticky mobile calc results */
.calc__sticky{display:none}
@media(max-width:860px){
  .calc__sticky{display:flex;justify-content:space-between;gap:14px;position:sticky;top:74px;z-index:40;
    background:var(--navy);border-radius:10px;padding:10px 16px;margin-bottom:18px;box-shadow:0 8px 22px rgba(0,0,0,.28)}
  .calc__sticky span{display:flex;flex-direction:column;min-width:0}
  .calc__sticky em{font-style:normal;font-size:9px;letter-spacing:1.4px;text-transform:uppercase;color:rgba(255,255,255,.55)}
  .calc__sticky b{font-size:16.5px;color:var(--accent);font-weight:900;white-space:nowrap}
}
/* sliders */
.sld{margin-bottom:18px}
.sld__top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:10px}
.sld__top label{font-size:13px;font-weight:600;color:var(--text);line-height:1.35}
.sld__val{font-size:15px;font-weight:800;color:var(--accent-dark);white-space:nowrap}
.sld__note{font-size:11.5px;color:var(--accent-dark);margin:-8px 0 16px;font-weight:600}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:999px;cursor:pointer;
  background:linear-gradient(90deg,var(--accent) 0%,var(--accent) var(--pct,50%),#e2ded2 var(--pct,50%),#e2ded2 100%)}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;appearance:none;width:22px;height:22px;border-radius:50%;
  background:#fff;border:2.5px solid var(--accent-dark);box-shadow:0 2px 6px rgba(0,0,0,.2);cursor:pointer}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border-radius:50%;background:#fff;border:2.5px solid var(--accent-dark);box-shadow:0 2px 6px rgba(0,0,0,.2);cursor:pointer}
input[type=range]:focus-visible{outline:2px solid var(--accent);outline-offset:4px}
/* segmented control */
.seg{display:flex;gap:5px;background:#eceae3;padding:5px;border-radius:11px}
.seg button{flex:1;border:none;background:transparent;padding:11px 8px;border-radius:8px;font-weight:700;font-size:13.5px;color:var(--muted);cursor:pointer;font-family:inherit;transition:.15s}
.seg button.active{background:#fff;color:var(--charcoal);box-shadow:0 1px 4px rgba(0,0,0,.1)}
/* toggle */
.toggle{display:inline-flex;align-items:center;gap:12px;background:none;border:none;cursor:pointer;font-size:13.5px;font-weight:600;color:var(--text);padding:6px 0;font-family:inherit}
.toggle__dot{width:44px;height:25px;border-radius:999px;background:#d9d5c8;position:relative;transition:.18s;flex:none}
.toggle__dot::after{content:"";position:absolute;top:3px;left:3px;width:19px;height:19px;border-radius:50%;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.25);transition:.18s}
.toggle.on .toggle__dot{background:var(--accent)}
.toggle.on .toggle__dot::after{left:22px}

/* contact form */
.cform{background:var(--white);border:1px solid var(--border);border-radius:16px;padding:30px;max-width:560px}
.cform h2,.cform h3{font-size:19px;font-weight:800;color:var(--charcoal);margin:0 0 4px}
.cform .sub{font-size:13.5px;color:var(--muted);margin-bottom:22px}
.cform button{width:100%;background:var(--accent);color:var(--navy);border:none;padding:14px;border-radius:8px;
  font-weight:800;font-size:15px;cursor:pointer;display:flex;align-items:center;justify-content:center;gap:8px}
.cform button:hover{background:var(--accent-dark);color:#fff}
.contact-rows{display:flex;flex-direction:column;gap:14px;margin-bottom:8px}
.contact-rows a,.contact-rows div{display:flex;gap:12px;align-items:center;color:var(--text);text-decoration:none;font-size:14.5px}
.contact-rows .ico{width:18px;height:18px;color:var(--accent-dark)}

/* footer */
.ft{background:#0c0d14;color:rgba(255,255,255,.5);padding:54px 0 34px}
.ft__grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:36px}
.ft__logo{height:30px;margin-bottom:16px}
.ft p{font-size:13.5px;line-height:1.8;margin:0 0 16px;max-width:300px}
.ft h4{color:#fff;font-weight:700;font-size:13px;margin:0 0 14px}
.ft__col a{display:block;color:rgba(255,255,255,.5);font-size:13px;text-decoration:none;margin-bottom:9px}
.ft__col a:hover{color:var(--accent)}
.ft__social{display:flex;gap:6px;margin-top:6px}
.ft__social a{color:rgba(255,255,255,.55);display:flex;align-items:center;justify-content:center;width:44px;height:44px;border-radius:10px}
.ft__social a:hover{background:rgba(255,255,255,.08);color:var(--accent)}
.ft__social .ico{width:18px;height:18px}
.ft__legal{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:24px;font-size:11.5px;
  line-height:1.7;color:rgba(255,255,255,.4)}

/* sticky mobile cta */
.mcta{position:fixed;left:0;right:0;bottom:0;z-index:90;display:none;gap:10px;
  padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(32,34,41,.95);
  backdrop-filter:blur(8px);border-top:1px solid rgba(148,141,119,.3);box-shadow:0 -6px 22px rgba(0,0,0,.22)}
.mcta a.book{flex:1;display:flex;align-items:center;justify-content:center;gap:7px;background:var(--accent);
  color:var(--navy);font-weight:800;font-size:14.5px;padding:13px;border-radius:9px;text-decoration:none}
.mcta a.call{width:52px;display:flex;align-items:center;justify-content:center;border:1.5px solid rgba(148,141,119,.5);
  color:var(--accent);border-radius:9px;text-decoration:none}

/* responsive */
@media(max-width:980px){
  .ft__grid{grid-template-columns:1fr 1fr}
  .process{grid-template-columns:1fr 1fr}
}
@media(max-width:860px){
  .nav,.hdr__call{display:none}
  .burger{display:block}
  .grid--3,.grid--2,.split,.split--even,.points,.review-grid{grid-template-columns:1fr}
  .split > img{height:240px}
  .stats__grid{grid-template-columns:1fr 1fr;gap:24px}
  .sec{padding:54px 0}
  .hero__in{padding:104px 24px 56px}
  .mcta{display:flex}
  body{padding-bottom:0}
  .ft{padding-bottom:90px}
}
@media(max-width:560px){
  .ft__grid{grid-template-columns:1fr}
  .process{grid-template-columns:1fr}
  .calc{padding:22px 18px}
  .field--row{grid-template-columns:1fr}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}
  .lender-track{flex-wrap:wrap;width:100%;justify-content:center;gap:22px 40px}}
:focus-visible{outline:2px solid var(--accent);outline-offset:2px}

/* ---- Home Buying Guide: visual step roadmap ---- */
.guide-intro{max-width:660px;margin:0 auto 42px;text-align:center;color:var(--muted);font-size:16px;line-height:1.65}
.guide-steps{max-width:720px;margin:0 auto}
.gstep{display:grid;grid-template-columns:56px 1fr;gap:20px;align-items:stretch}
.gstep__rail{display:flex;flex-direction:column;align-items:center}
.gstep__num{width:52px;height:52px;border-radius:50%;background:var(--navy);color:var(--accent);
  display:flex;align-items:center;justify-content:center;font-weight:900;font-size:20px;flex:none;
  border:2px solid var(--accent);box-shadow:0 4px 12px rgba(32,34,41,.18);z-index:2}
.gstep__line{width:2px;flex:1;background:linear-gradient(var(--stone),var(--border));min-height:24px}
.gstep:last-child .gstep__line{display:none}
.gstep__card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:22px 24px;
  margin-bottom:22px;box-shadow:0 2px 10px rgba(32,34,41,.05)}
.gstep__head{display:flex;align-items:center;gap:11px;margin-bottom:9px}
.gstep__icon{width:24px;height:24px;color:var(--accent-dark);flex:none}
.gstep__card h3{font-size:18px;font-weight:800;color:var(--navy);margin:0;line-height:1.25}
.gstep__card p{margin:0;color:var(--text);font-size:15px;line-height:1.6}
.gstep__card p a{color:var(--accent-dark);font-weight:700;text-decoration:underline}
.gstep__tip{margin-top:13px;background:var(--cream);border-left:3px solid var(--accent);
  border-radius:0 8px 8px 0;padding:10px 14px;font-size:13.5px;color:var(--accent-dark);line-height:1.5}
.gstep__tip b{color:var(--navy)}
.guide-actions{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:14px}
@media(max-width:560px){
  .gstep{grid-template-columns:44px 1fr;gap:14px}
  .gstep__num{width:42px;height:42px;font-size:17px}
  .gstep__card{padding:18px 18px}
  .guide-actions .btn{flex:1;justify-content:center}
}

/* ---- Resource sub-pages: visual explainer layout ---- */
.res{max-width:770px;margin:0 auto}
.res-lede{font-size:17px;line-height:1.6;color:var(--text);text-align:center;max-width:650px;margin:0 auto 26px}
.res-facts{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-bottom:44px}
.res-fact{background:var(--cream);border:1px solid var(--border);border-radius:999px;padding:8px 16px;font-size:13px;font-weight:700;color:var(--navy);display:inline-flex;align-items:center;gap:7px}
.res-fact svg{width:15px;height:15px;color:var(--accent-dark);flex:none}
.res-block{display:flex;gap:18px;padding:24px 0;border-bottom:1px solid var(--border)}
.res-block:first-of-type{padding-top:4px}
.res-block__ic{width:46px;height:46px;flex:none;border-radius:12px;background:rgba(148,141,119,.16);display:flex;align-items:center;justify-content:center;color:var(--accent-dark)}
.res-block__ic svg{width:23px;height:23px}
.res-block__bd{flex:1;min-width:0}
.res-block h3{font-size:18px;font-weight:800;color:var(--navy);margin:3px 0 8px;line-height:1.25}
.res-block p{font-size:15px;line-height:1.62;color:var(--text);margin:0}
.res-subgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:16px}
.res-subcard{background:#fff;border:1px solid var(--border);border-radius:12px;padding:16px 18px}
.res-subcard h4{font-size:15px;font-weight:800;color:var(--navy);margin:0 0 6px}
.res-subcard p{font-size:13.5px;line-height:1.55;color:var(--muted);margin:0}
.res-note{display:flex;gap:16px;background:var(--cream);border-left:4px solid var(--accent);border-radius:0 14px 14px 0;padding:22px 24px;margin-top:34px}
.res-note__ic{color:var(--accent-dark);flex:none;margin-top:1px}
.res-note__ic svg{width:24px;height:24px}
.res-note h4{font-size:15.5px;font-weight:800;color:var(--navy);margin:0 0 6px}
.res-note p{font-size:14px;line-height:1.6;color:var(--text);margin:0}
.res-help{text-align:center;margin-top:40px;padding-top:34px;border-top:1px solid var(--border)}
.res-help p{color:var(--muted);font-size:15px;margin:0 0 16px}
.res-help .btn{justify-content:center;text-align:center}
@media(max-width:560px){
  .res-block{gap:14px;padding:20px 0}
  .res-block__ic{width:40px;height:40px}
  .res-subgrid{grid-template-columns:1fr}
}