/* ============================================================
   DECISIVE FINANCIAL — MAIN STYLESHEET
   Colors: Charcoal #2C2C2C | Steel Blue #2E7CB8
   Fonts: Playfair Display (headings) | Inter (body)
   NMLS #2685338 | decisive.financial
   ============================================================ */

:root {
  --charcoal:       #2C2C2C;
  --charcoal-dark:  #1A1A1A;
  --charcoal-light: #3D3D3D;
  --steel:          #2E7CB8;
  --steel-dark:     #1E5C8A;
  --steel-light:    #5B9FCC;
  --steel-pale:     #EBF4FB;
  --off-white:      #F4F6F8;
  --white:          #FFFFFF;
  --text-dark:      #1A1A1A;
  --text-mid:       #4A4A4A;
  --text-light:     #777777;
  --border:         #DDE1E6;
  --success:        #1A8C55;
  --serif:  'Playfair Display', Georgia, serif;
  --sans:   'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --radius:    8px;
  --radius-lg: 14px;
  --shadow:    0 2px 12px rgba(0,0,0,0.08);
  --shadow-md: 0 4px 24px rgba(0,0,0,0.12);
  --shadow-lg: 0 8px 40px rgba(0,0,0,0.16);
  --transition: all 0.2s ease;
  --max-width: 1160px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; font-size: 16px; }
body {
  font-family: var(--sans);
  color: var(--text-dark);
  background: var(--white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; display: block; }
a { text-decoration: none; color: inherit; }
ul { list-style: none; }

.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

/* === TYPOGRAPHY === */
h1, h2, h3 { font-family: var(--serif); line-height: 1.2; }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); font-weight: 700; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); font-weight: 600; }
h3 { font-size: clamp(1.1rem, 2vw, 1.4rem); font-weight: 600; }
p  { line-height: 1.7; color: var(--text-mid); }

.eyebrow {
  font-family: var(--sans);
  font-size: 0.72rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 1.5px;
  color: var(--steel-light);
  margin-bottom: 12px;
  display: block;
}

/* === BUTTONS === */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: var(--radius);
  font-family: var(--sans);
  font-size: 0.95rem;
  font-weight: 600;
  cursor: pointer;
  border: 2px solid transparent;
  transition: var(--transition);
  white-space: nowrap;
}
.btn-primary {
  background: var(--steel);
  color: var(--white);
  border-color: var(--steel);
}
.btn-primary:hover {
  background: var(--steel-dark);
  border-color: var(--steel-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 16px rgba(46,124,184,0.35);
}
.btn-outline {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.5);
}
.btn-outline:hover { border-color: var(--white); background: rgba(255,255,255,0.08); }
.btn-outline-dark {
  background: transparent;
  color: var(--charcoal);
  border-color: var(--charcoal);
}
.btn-outline-dark:hover { background: var(--charcoal); color: var(--white); }
.btn-white { background: var(--white); color: var(--steel); border-color: var(--white); }
.btn-white:hover { background: var(--off-white); }
.btn-sm { padding: 10px 20px; font-size: 0.875rem; }
.btn-lg { padding: 16px 36px; font-size: 1.05rem; }

/* === NAVIGATION === */
.nav {
  position: fixed;
  top: 0; left: 0; right: 0;
  z-index: 1000;
  background: var(--charcoal);
  border-bottom: 1px solid var(--charcoal-light);
  height: 72px;
  display: flex;
  align-items: center;
}
.nav-inner {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-logo img { height: 38px; width: auto; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 4px;
  margin-left: auto;
}
.nav-links a {
  font-size: 0.875rem;
  font-weight: 500;
  color: rgba(255,255,255,0.8);
  padding: 8px 14px;
  border-radius: 6px;
  transition: var(--transition);
}
.nav-links a:hover, .nav-links a.active { color: var(--white); background: rgba(255,255,255,0.08); }
.nav-cta { margin-left: 12px; }

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 8px;
  margin-left: auto;
  background: none;
  border: none;
}
.nav-toggle span {
  display: block;
  width: 24px; height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: var(--transition);
}
.nav-mobile {
  display: none;
  position: fixed;
  top: 72px; left: 0; right: 0;
  background: var(--charcoal-dark);
  padding: 16px 24px 28px;
  z-index: 999;
  flex-direction: column;
  gap: 4px;
  border-top: 1px solid var(--charcoal-light);
  box-shadow: 0 8px 24px rgba(0,0,0,0.3);
}
.nav-mobile.open { display: flex; }
.nav-mobile a {
  color: rgba(255,255,255,0.85);
  font-size: 1rem;
  font-weight: 500;
  padding: 13px 16px;
  border-radius: 6px;
  transition: var(--transition);
}
.nav-mobile a:hover { color: var(--white); background: rgba(255,255,255,0.08); }
.nav-mobile .btn { margin-top: 10px; justify-content: center; }

/* === HERO === */
.hero {
  background: var(--charcoal);
  padding-top: 72px;
  padding-bottom: 80px;
  display: flex;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: 0; right: 0;
  width: 50%; height: 100%;
  background: linear-gradient(135deg, transparent, rgba(46,124,184,0.05));
  pointer-events: none;
}
.hero-inner {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 80px 24px;
  display: grid;
  grid-template-columns: 1fr 420px;
  gap: 60px;
  align-items: center;
}
.hero-content { color: var(--white); }

.hero-credentials {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-bottom: 24px;
}
.credential-tag {
  display: inline-flex;
  align-items: center;
  gap: 5px;
  background: rgba(46,124,184,0.18);
  border: 1px solid rgba(46,124,184,0.35);
  color: var(--steel-light);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 5px 10px;
  border-radius: 20px;
  letter-spacing: 0.3px;
}
.hero h1 { color: var(--white); margin-bottom: 20px; }
.hero h1 em { font-style: italic; color: var(--steel-light); }
.hero-sub {
  font-size: 1.05rem;
  color: rgba(255,255,255,0.72);
  margin-bottom: 36px;
  line-height: 1.8;
}
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.hero-right { position: relative; }
.hero-photo-wrap {
  border-radius: var(--radius-lg);
  overflow: hidden;
  background: var(--charcoal-light);
  aspect-ratio: 3/4;
  max-height: 520px;
}
.hero-photo-wrap img {
  width: 100%; height: 100%;
  object-fit: cover;
  object-position: top center;
}
.hero-photo-placeholder {
  width: 100%; height: 100%; min-height: 420px;
  display: flex; align-items: center; justify-content: center;
  flex-direction: column; gap: 14px;
  color: rgba(255,255,255,0.25);
  font-size: 0.85rem;
  background: linear-gradient(160deg, #383838, #2a2a2a);
  text-align: center;
  padding: 24px;
}
.hero-photo-placeholder .placeholder-icon { font-size: 3rem; opacity: 0.2; }

.hero-stat-card {
  position: absolute;
  bottom: -20px; left: -30px;
  background: var(--white);
  border-radius: var(--radius);
  padding: 16px 20px;
  box-shadow: var(--shadow-lg);
  min-width: 210px;
}
.stat-row { display: flex; gap: 24px; }
.stat-item .stat-num {
  font-family: var(--serif);
  font-size: 1.8rem;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1;
}
.stat-item .stat-label {
  font-size: 0.68rem;
  color: var(--text-light);
  text-transform: uppercase;
  letter-spacing: 0.8px;
  font-weight: 600;
  margin-top: 3px;
}

/* === TRUST BAR === */
.trust-bar {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  padding: 0;
}
.trust-bar-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  align-items: stretch;
  justify-content: center;
  flex-wrap: wrap;
}
.trust-item {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 20px 28px;
  border-right: 1px solid var(--border);
}
.trust-item:last-child { border-right: none; }
.trust-icon {
  width: 38px; height: 38px;
  border-radius: 50%;
  background: var(--steel-pale);
  display: flex; align-items: center; justify-content: center;
  flex-shrink: 0;
  font-size: 1.1rem;
}
.trust-num {
  font-family: var(--serif);
  font-size: 1.15rem;
  font-weight: 700;
  color: var(--charcoal);
  line-height: 1.1;
}
.trust-label {
  font-size: 0.7rem;
  color: var(--text-light);
  text-transform: uppercase;
  letter-spacing: 0.6px;
  font-weight: 600;
}

/* === SECTION HEADER === */
.section-header { text-align: center; margin-bottom: 48px; }
.section-header h2 { margin-bottom: 12px; }
.section-header p { font-size: 1.05rem; color: var(--text-mid); max-width: 560px; margin: 0 auto; }

/* === LEAD FUNNEL === */
.funnel-section { background: var(--off-white); padding: 80px 0; }
.funnel-inner { max-width: 680px; margin: 0 auto; padding: 0 24px; }

.funnel-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  box-shadow: var(--shadow-md);
  overflow: hidden;
}
.funnel-progress { height: 4px; background: var(--border); }
.funnel-progress-bar {
  height: 100%;
  background: var(--steel);
  transition: width 0.4s ease;
  border-radius: 2px;
  width: 20%;
}
.funnel-body { padding: 40px; }
.funnel-step { display: none; }
.funnel-step.active { display: block; animation: fadeIn 0.25s ease; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: translateY(0); } }

.step-indicator {
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--steel);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 8px;
}
.step-question {
  font-family: var(--serif);
  font-size: 1.5rem;
  font-weight: 600;
  color: var(--charcoal);
  margin-bottom: 28px;
  line-height: 1.3;
}
.option-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.option-grid.cols-3 { grid-template-columns: repeat(3, 1fr); }

.option-btn {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 18px 12px;
  border: 2px solid var(--border);
  border-radius: var(--radius);
  background: var(--white);
  cursor: pointer;
  transition: var(--transition);
  text-align: center;
  font-family: var(--sans);
}
.option-btn .opt-icon { font-size: 1.5rem; }
.option-btn .opt-label { font-size: 0.875rem; font-weight: 600; color: var(--charcoal); line-height: 1.3; }
.option-btn .opt-sub { font-size: 0.72rem; color: var(--text-light); }
.option-btn:hover, .option-btn.selected { border-color: var(--steel); background: var(--steel-pale); }
.option-btn.selected .opt-label { color: var(--steel-dark); }

.funnel-nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
}

.form-grid { display: grid; gap: 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label { font-size: 0.85rem; font-weight: 600; color: var(--charcoal); }
.form-group input, .form-group select {
  padding: 12px 14px;
  border: 1.5px solid var(--border);
  border-radius: var(--radius);
  font-family: var(--sans);
  font-size: 0.95rem;
  color: var(--text-dark);
  transition: var(--transition);
  background: var(--white);
}
.form-group input:focus, .form-group select:focus {
  outline: none;
  border-color: var(--steel);
  box-shadow: 0 0 0 3px rgba(46,124,184,0.1);
}
.tcpa-notice {
  display: flex;
  gap: 10px;
  align-items: flex-start;
  margin-top: 10px;
  padding: 12px;
  background: var(--off-white);
  border-radius: var(--radius);
}
.tcpa-notice input[type="checkbox"] { margin-top: 2px; flex-shrink: 0; width: 16px; height: 16px; accent-color: var(--steel); }
.tcpa-notice p { font-size: 0.7rem; color: var(--text-light); line-height: 1.5; margin: 0; }

/* === AUDIENCE SEGMENTS === */
.segments-section { background: var(--white); padding: 80px 0; }
.segments-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 48px;
}
.segment-card {
  border: 2px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: var(--transition);
  position: relative;
  overflow: hidden;
}
.segment-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--steel);
  transform: scaleX(0);
  transition: transform 0.25s ease;
  transform-origin: left;
}
.segment-card:hover { border-color: var(--steel); box-shadow: var(--shadow-md); }
.segment-card:hover::before { transform: scaleX(1); }
.segment-icon {
  width: 56px; height: 56px;
  border-radius: 14px;
  background: var(--steel-pale);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
  font-size: 1.6rem;
}
.segment-card h3 { margin-bottom: 12px; }
.segment-card p { font-size: 0.9rem; color: var(--text-mid); margin-bottom: 16px; }
.segment-tags { display: flex; flex-wrap: wrap; gap: 6px; margin-bottom: 20px; }
.segment-tag {
  background: var(--steel-pale);
  color: var(--steel-dark);
  font-size: 0.68rem;
  font-weight: 600;
  padding: 3px 9px;
  border-radius: 12px;
  letter-spacing: 0.2px;
}
.segment-link {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  color: var(--steel);
  font-size: 0.875rem;
  font-weight: 600;
  transition: var(--transition);
}
.segment-link:hover { gap: 10px; }

/* === CALCULATOR SECTION === */
.calc-section { background: var(--charcoal); padding: 80px 0; }
.calc-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: start;
}
.calc-content { color: var(--white); }
.calc-content h2 { color: var(--white); margin-bottom: 16px; }
.calc-content p { color: rgba(255,255,255,0.65); margin-bottom: 28px; }
.calc-callout {
  background: rgba(46,124,184,0.15);
  border: 1px solid rgba(46,124,184,0.3);
  border-radius: var(--radius);
  padding: 16px 20px;
  margin-top: 28px;
}
.calc-callout p { font-size: 0.875rem; color: rgba(255,255,255,0.75); margin: 0; }
.calc-callout strong { color: var(--steel-light); }

.calc-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px;
  box-shadow: var(--shadow-lg);
}
.calc-tabs {
  display: flex;
  gap: 4px;
  background: var(--off-white);
  border-radius: var(--radius);
  padding: 4px;
  margin-bottom: 24px;
}
.calc-tab {
  flex: 1;
  padding: 8px 6px;
  border-radius: 6px;
  text-align: center;
  font-size: 0.75rem;
  font-weight: 600;
  color: var(--text-light);
  cursor: pointer;
  transition: var(--transition);
  border: none;
  background: transparent;
  font-family: var(--sans);
}
.calc-tab.active { background: var(--white); color: var(--steel); box-shadow: 0 1px 4px rgba(0,0,0,0.1); }
.calc-panel { display: none; }
.calc-panel.active { display: block; }

.range-group { margin-bottom: 20px; }
.range-label {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 8px;
}
.range-label span:first-child { font-size: 0.85rem; font-weight: 600; color: var(--charcoal); }
.range-val { font-size: 0.875rem; font-weight: 700; color: var(--steel); }

input[type="range"] {
  -webkit-appearance: none;
  width: 100%; height: 4px;
  border-radius: 2px;
  background: var(--border);
  outline: none;
  cursor: pointer;
}
input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--steel);
  cursor: pointer;
  box-shadow: 0 2px 6px rgba(46,124,184,0.4);
}
input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--steel);
  cursor: pointer;
  border: none;
}
.calc-result {
  background: var(--steel-pale);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
  margin-top: 20px;
  border: 1px solid rgba(46,124,184,0.15);
}
.calc-result-label { font-size: 0.72rem; font-weight: 600; text-transform: uppercase; letter-spacing: 1px; color: var(--text-light); margin-bottom: 6px; }
.calc-result-amount { font-family: var(--serif); font-size: 2.4rem; font-weight: 700; color: var(--charcoal); }
.calc-result-sub { font-size: 0.78rem; color: var(--text-light); margin-top: 4px; }
.dscr-badge {
  display: inline-flex; align-items: center; gap: 6px;
  margin-top: 10px; padding: 8px 14px;
  border-radius: 6px; font-size: 0.85rem; font-weight: 600;
}
.dscr-badge.good { background: #e6f8f1; color: #1a8c55; }
.dscr-badge.caution { background: #fff8e6; color: #a06000; }
.dscr-badge.low { background: #feeaea; color: #c0392b; }

/* === ABOUT PREVIEW === */
.about-preview { background: var(--charcoal); padding: 80px 0; }
.about-inner {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 60px;
  align-items: center;
}
.about-photo-wrap {
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4/5;
  background: var(--charcoal-light);
}
.about-photo-wrap img { width: 100%; height: 100%; object-fit: cover; object-position: top; }
.about-photo-placeholder {
  width: 100%; height: 100%; min-height: 360px;
  display: flex; align-items: center; justify-content: center;
  flex-direction: column; gap: 12px;
  background: var(--charcoal-light);
  color: rgba(255,255,255,0.2);
  font-size: 0.85rem; text-align: center; padding: 24px;
}
.about-content { color: var(--white); }
.about-content h2 { color: var(--white); margin-bottom: 6px; }
.about-content .role-tag {
  display: inline-block;
  background: var(--steel);
  color: var(--white);
  font-size: 0.72rem;
  font-weight: 600;
  padding: 4px 10px;
  border-radius: 4px;
  text-transform: uppercase;
  letter-spacing: 0.5px;
  margin-bottom: 20px;
}
.about-content p { color: rgba(255,255,255,0.72); margin-bottom: 16px; line-height: 1.8; }
.about-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
  margin: 28px 0;
}
.about-stat {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius);
  padding: 16px 12px;
  text-align: center;
}
.about-stat .as-num {
  font-family: var(--serif);
  font-size: 1.7rem;
  font-weight: 700;
  color: var(--steel-light);
  display: block;
  line-height: 1;
}
.about-stat .as-label { font-size: 0.68rem; color: rgba(255,255,255,0.45); text-transform: uppercase; letter-spacing: 0.6px; margin-top: 5px; }

/* === LOAN TYPES === */
.loans-section { background: var(--off-white); padding: 80px 0; }
.loans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 48px;
}
.loan-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: var(--transition);
  border: 1px solid var(--border);
}
.loan-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); }
.loan-icon {
  width: 48px; height: 48px;
  border-radius: 12px;
  background: var(--steel-pale);
  display: flex; align-items: center; justify-content: center;
  margin-bottom: 16px;
  font-size: 1.3rem;
}
.loan-card h3 { font-size: 1.1rem; margin-bottom: 10px; }
.loan-card p { font-size: 0.875rem; color: var(--text-mid); line-height: 1.6; margin-bottom: 16px; }
.loan-tags { display: flex; flex-wrap: wrap; gap: 5px; }
.loan-tag {
  font-size: 0.68rem; font-weight: 600;
  background: var(--off-white);
  color: var(--text-mid);
  padding: 3px 8px; border-radius: 4px;
}

/* === FINAL CTA === */
.cta-section { background: var(--steel); padding: 80px 0; text-align: center; }
.cta-section h2 { color: var(--white); margin-bottom: 16px; }
.cta-section p { color: rgba(255,255,255,0.85); font-size: 1.05rem; margin-bottom: 36px; max-width: 540px; margin-left: auto; margin-right: auto; }
.cta-actions { display: flex; justify-content: center; gap: 16px; flex-wrap: wrap; }

/* === FOOTER === */
.footer { background: var(--charcoal-dark); padding: 60px 0 0; }
.footer-top {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px 48px;
  display: grid;
  grid-template-columns: 260px 1fr 1fr 1fr;
  gap: 48px;
}
.footer-brand .brand-logo { height: 32px; width: auto; margin-bottom: 16px; }
.footer-brand p { font-size: 0.82rem; color: rgba(255,255,255,0.45); line-height: 1.6; }
.footer-col h4 {
  font-size: 0.7rem; font-weight: 700;
  text-transform: uppercase; letter-spacing: 1px;
  color: rgba(255,255,255,0.35);
  margin-bottom: 16px;
  font-family: var(--sans);
}
.footer-col a {
  display: block;
  font-size: 0.85rem;
  color: rgba(255,255,255,0.6);
  padding: 5px 0;
  transition: var(--transition);
}
.footer-col a:hover { color: var(--white); }

.social-links { display: flex; gap: 10px; margin-top: 20px; }
.social-link {
  width: 36px; height: 36px;
  border-radius: 8px;
  background: rgba(255,255,255,0.08);
  display: flex; align-items: center; justify-content: center;
  color: rgba(255,255,255,0.6);
  font-size: 0.9rem;
  transition: var(--transition);
  font-weight: 700;
}
.social-link:hover { background: var(--steel); color: var(--white); }

.footer-compliance {
  border-top: 1px solid rgba(255,255,255,0.07);
  padding: 24px;
  text-align: center;
}
.footer-compliance p {
  font-size: 0.68rem;
  color: rgba(255,255,255,0.3);
  line-height: 1.8;
  margin: 0;
}
.footer-compliance strong { color: rgba(255,255,255,0.45); }

/* === PAGE HEADER (inner pages) === */
.page-hero {
  background: var(--charcoal);
  padding: 140px 0 72px;
  text-align: center;
  color: var(--white);
}
.page-hero .eyebrow { justify-content: center; }
.page-hero h1 { color: var(--white); margin-bottom: 16px; }
.page-hero p { color: rgba(255,255,255,0.72); font-size: 1.05rem; max-width: 580px; margin: 0 auto; }

/* === ABOUT PAGE === */
.about-page-grid {
  display: grid;
  grid-template-columns: 380px 1fr;
  gap: 60px;
  align-items: start;
}
.about-sticky { position: sticky; top: 96px; }
.about-photo-main {
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
  margin-bottom: 20px;
}
.about-photo-main img { width: 100%; display: block; }
.about-photo-placeholder-lg {
  background: var(--off-white);
  aspect-ratio: 3/4;
  display: flex; align-items: center; justify-content: center;
  color: var(--text-light); font-size: 0.85rem;
  flex-direction: column; gap: 12px;
}
.about-sidebar-card {
  background: var(--charcoal);
  border-radius: var(--radius-lg);
  padding: 24px;
  color: var(--white);
}
.about-sidebar-card h4 { color: rgba(255,255,255,0.5); font-size: 0.7rem; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 14px; font-family: var(--sans); font-weight: 700; }
.award-item {
  display: flex; align-items: center; gap: 10px;
  padding: 8px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
  font-size: 0.82rem;
  color: rgba(255,255,255,0.7);
}
.award-item:last-child { border-bottom: none; }
.award-item .award-icon { font-size: 1rem; flex-shrink: 0; }

.bio-block { margin-bottom: 48px; }
.bio-block h2 { margin-bottom: 6px; }
.bio-block .bio-label {
  font-size: 0.72rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: 1px; color: var(--steel); margin-bottom: 20px; display: block;
}
.bio-block p { color: var(--text-mid); margin-bottom: 14px; line-height: 1.8; }
.bio-block blockquote {
  border-left: 3px solid var(--steel);
  padding: 12px 20px;
  margin: 24px 0;
  background: var(--off-white);
  border-radius: 0 var(--radius) var(--radius) 0;
}
.bio-block blockquote p { font-family: var(--serif); font-style: italic; font-size: 1.05rem; color: var(--charcoal); margin: 0; }

.credentials-list { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 20px; }
.cred-item {
  display: flex; align-items: flex-start; gap: 10px;
  padding: 12px; background: var(--off-white); border-radius: var(--radius);
}
.cred-item .ci-icon { font-size: 1.1rem; flex-shrink: 0; }
.cred-item .ci-text { font-size: 0.82rem; color: var(--text-mid); line-height: 1.4; }
.cred-item .ci-text strong { color: var(--charcoal); display: block; margin-bottom: 1px; font-size: 0.85rem; }

/* === TOOLS PAGE === */
.tools-nav { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 40px; padding: 20px; background: var(--off-white); border-radius: var(--radius-lg); border: 1px solid var(--border); }
.tool-nav-btn {
  padding: 11px 20px;
  border-radius: var(--radius);
  border: 2px solid var(--border);
  background: var(--white);
  font-size: 0.875rem; font-weight: 700;
  color: var(--charcoal);
  cursor: pointer; transition: var(--transition);
  font-family: var(--sans);
  box-shadow: 0 1px 3px rgba(0,0,0,0.06);
}
.tool-nav-btn:hover { border-color: var(--steel); color: var(--steel-dark); background: var(--steel-pale); transform: translateY(-1px); box-shadow: 0 3px 8px rgba(46,124,184,0.15); }
.tool-nav-btn.active { border-color: var(--steel); color: #fff; background: var(--steel); box-shadow: 0 3px 10px rgba(46,124,184,0.35); }
.tool-panel { display: none; }
.tool-panel.active { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: start; }
.tool-inputs { background: var(--white); border-radius: var(--radius-lg); padding: 32px; border: 1px solid var(--border); }
.tool-inputs h3 { margin-bottom: 24px; }
.tool-output { background: var(--charcoal); border-radius: var(--radius-lg); padding: 32px; color: var(--white); }
.tool-output h3 { color: var(--white); margin-bottom: 24px; }
.output-primary {
  background: rgba(46,124,184,0.15);
  border: 1px solid rgba(46,124,184,0.3);
  border-radius: var(--radius);
  padding: 20px;
  text-align: center;
  margin-bottom: 20px;
}
.output-primary .op-label { font-size: 0.72rem; font-weight: 600; text-transform: uppercase; letter-spacing: 1px; color: rgba(255,255,255,0.5); margin-bottom: 8px; }
.output-primary .op-value { font-family: var(--serif); font-size: 2.6rem; font-weight: 700; color: var(--white); }
.output-primary .op-sub { font-size: 0.78rem; color: rgba(255,255,255,0.5); margin-top: 4px; }
.output-row {
  display: flex; justify-content: space-between; align-items: center;
  padding: 11px 0;
  border-bottom: 1px solid rgba(255,255,255,0.07);
}
.output-row:last-child { border-bottom: none; }
.output-row .or-label { font-size: 0.82rem; color: rgba(255,255,255,0.55); }
.output-row .or-value { font-size: 0.9rem; font-weight: 600; color: var(--white); }
.output-row .or-value.accent { color: var(--steel-light); }

.tool-cta-strip {
  background: var(--steel-pale);
  border: 1px solid rgba(46,124,184,0.2);
  border-radius: var(--radius);
  padding: 16px 20px;
  display: flex; align-items: center; justify-content: space-between; gap: 16px;
  margin-top: 20px;
}
.tool-cta-strip p { font-size: 0.875rem; color: var(--steel-dark); margin: 0; font-weight: 500; }

.comparison-wrap { overflow-x: auto; margin-top: 16px; }
.comparison-table { width: 100%; border-collapse: collapse; white-space: nowrap; }
.comparison-table th {
  background: var(--charcoal);
  color: var(--white);
  padding: 12px 16px;
  text-align: left;
  font-size: 0.78rem; font-weight: 600;
  text-transform: uppercase; letter-spacing: 0.5px;
  font-family: var(--sans);
}
.comparison-table td {
  padding: 11px 16px;
  font-size: 0.85rem;
  border-bottom: 1px solid var(--border);
  color: var(--text-mid);
}
.comparison-table tr:last-child td { border-bottom: none; }
.comparison-table tr:hover td { background: var(--off-white); }
.comparison-table .check { color: var(--success); font-weight: 700; }
.comparison-table .cross { color: #c0392b; }
.comparison-table .partial { color: var(--text-light); }

/* === CONTACT PAGE === */
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact-info h2 { margin-bottom: 16px; }
.contact-info .sub { font-size: 1.05rem; color: var(--text-mid); margin-bottom: 36px; }
.contact-detail { display: flex; align-items: flex-start; gap: 14px; margin-bottom: 24px; }
.contact-icon {
  width: 44px; height: 44px; border-radius: 10px;
  background: var(--steel-pale);
  display: flex; align-items: center; justify-content: center;
  color: var(--steel); font-size: 1.2rem; flex-shrink: 0;
}
.contact-detail strong { display: block; font-size: 0.85rem; font-weight: 600; margin-bottom: 2px; }
.contact-detail span { font-size: 0.875rem; color: var(--text-mid); }
.calendly-wrap {
  background: var(--white);
  border-radius: var(--radius-lg);
  border: 1px solid var(--border);
  overflow: hidden;
  min-height: 520px;
  display: flex; align-items: center; justify-content: center;
}
.calendly-placeholder { text-align: center; padding: 40px; color: var(--text-light); }
.calendly-placeholder .cal-icon { font-size: 3rem; margin-bottom: 16px; opacity: 0.3; }
.calendly-placeholder p { font-size: 0.875rem; max-width: 280px; margin: 0 auto; }

/* === THANK YOU PAGE === */
.thankyou-section {
  min-height: 80vh; display: flex; align-items: center;
  background: var(--off-white); padding: 120px 0;
}
.thankyou-card {
  background: var(--white); border-radius: var(--radius-lg);
  padding: 60px 48px; text-align: center;
  box-shadow: var(--shadow-md); max-width: 580px; margin: 0 auto;
}
.thankyou-icon { font-size: 3.5rem; margin-bottom: 20px; }
.thankyou-card h1 { font-size: 2rem; margin-bottom: 16px; }
.thankyou-card p { color: var(--text-mid); margin-bottom: 32px; line-height: 1.7; }
.next-steps { text-align: left; background: var(--off-white); border-radius: var(--radius); padding: 24px; margin: 28px 0; }
.next-steps h4 { font-family: var(--sans); font-size: 0.8rem; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--text-light); margin-bottom: 14px; }
.next-step { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 12px; }
.next-step:last-child { margin-bottom: 0; }
.step-dot {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--steel); color: var(--white);
  font-size: 0.72rem; font-weight: 700;
  display: flex; align-items: center; justify-content: center; flex-shrink: 0; margin-top: 1px;
}
.next-step p { font-size: 0.875rem; color: var(--text-mid); margin: 0; line-height: 1.5; }

/* === CONTACT PAGE EXTENDED === */
.contact-methods { margin: 32px 0; display: flex; flex-direction: column; gap: 16px; }
.contact-method {
  display: flex; align-items: flex-start; gap: 16px;
  padding: 16px; background: var(--off-white); border-radius: var(--radius);
}
.cm-icon { font-size: 1.4rem; flex-shrink: 0; }
.contact-method strong { display: block; font-size: 0.875rem; font-weight: 700; color: var(--charcoal); margin-bottom: 2px; }
.contact-method span { font-size: 0.85rem; color: var(--text-mid); }
.social-connect { margin-top: 24px; }
.social-connect p { font-size: 0.875rem; color: var(--text-mid); margin-bottom: 12px; }
.contact-form-wrap { background: var(--white); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 36px; }
.contact-form-wrap h2 { margin-bottom: 8px; }
.contact-form-wrap > p { color: var(--text-mid); margin-bottom: 28px; }
.contact-form { display: flex; flex-direction: column; gap: 18px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { display: flex; flex-direction: column; gap: 6px; }
.form-group label { font-size: 0.82rem; font-weight: 600; color: var(--charcoal); }
.form-group input,
.form-group select,
.form-group textarea {
  border: 1.5px solid var(--border); border-radius: var(--radius);
  padding: 11px 14px; font-size: 0.9rem; font-family: var(--sans);
  color: var(--charcoal); background: var(--white); transition: var(--transition);
  outline: none;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--steel); box-shadow: 0 0 0 3px rgba(46,124,184,0.12); }
.form-group textarea { resize: vertical; min-height: 120px; }
.calendly-placeholder {
  background: var(--off-white); border: 2px dashed var(--border);
  border-radius: var(--radius-lg); padding: 40px 24px; text-align: center; margin: 24px 0;
}
.calendly-inner { max-width: 400px; margin: 0 auto; }
.calendly-icon { font-size: 3rem; margin-bottom: 16px; }
.calendly-placeholder h4 { margin-bottom: 8px; color: var(--charcoal); }
.calendly-placeholder p { font-size: 0.875rem; color: var(--text-mid); }

/* === TOOL COMPARE PANEL (full width) === */
#tool-compare.active { display: block; }

/* === RESPONSIVE === */
@media (max-width: 1024px) {
  .hero-inner { grid-template-columns: 1fr; text-align: center; }
  .hero-credentials { justify-content: center; }
  .hero-actions { justify-content: center; }
  .hero-right { display: block; max-width: 220px; margin: 36px auto 0; }
  .hero-stat-card { display: none; }
  .segments-grid { grid-template-columns: 1fr 1fr; }
  .loans-grid { grid-template-columns: 1fr 1fr; }
  .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
  .calc-inner { grid-template-columns: 1fr; }
  .about-inner { grid-template-columns: 1fr; }
  .about-photo-wrap { max-width: 340px; }
  .about-page-grid { grid-template-columns: 1fr; }
  .about-sticky { position: static; }
  .tool-panel.active { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 768px) {
  .nav-links, .nav-cta { display: none; }
  .nav-toggle { display: flex; }
  .segments-grid { grid-template-columns: 1fr; }
  .loans-grid { grid-template-columns: 1fr; }
  .about-stats { grid-template-columns: repeat(3, 1fr); }
  .trust-bar-inner { flex-direction: column; align-items: stretch; }
  .trust-item { border-right: none; border-bottom: 1px solid var(--border); justify-content: center; }
  .trust-item:last-child { border-bottom: none; }
  .option-grid.cols-3 { grid-template-columns: 1fr 1fr; }
  .funnel-body { padding: 24px; }
  .footer-top { grid-template-columns: 1fr; }
  .credentials-list { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
}
@media (max-width: 480px) {
  .option-grid { grid-template-columns: 1fr; }
  .about-stats { grid-template-columns: 1fr 1fr; }
  .hero-actions { flex-direction: column; }
  .cta-actions { flex-direction: column; align-items: center; }
  .hero-inner { padding: 60px 20px; }
  .hero-credentials { gap: 6px; }
  .funnel-body { padding: 20px; }
  .step-question { font-size: 1.25rem; }
  .thankyou-card { padding: 40px 24px; }
}