/* ============================================================
   Funding Finance Access — Heritage Edition
   Light editorial theme: ivory paper + deep pine + brass gold
   ============================================================ */
:root{
  --paper:#f6f1e4;
  --paper-2:#fffdf6;
  --card:#ffffff;
  --pine:#0e3b2c;
  --pine-2:#155340;
  --pine-deep:#082a1f;
  --gold:#c9a227;
  --gold-deep:#9a7814;
  --gold-soft:#f3e8c8;
  --ink:#24312b;
  --muted:#5d6f64;
  --line:#e0d5b8;
  --line-soft:#ece4cf;
  --ok:#1c7a4d;
  --err:#b3261e;
  --shadow:0 24px 60px -28px rgba(14,59,44,.28);
  --shadow-sm:0 12px 30px -18px rgba(14,59,44,.25);
  --radius:20px;
  --radius-sm:14px;
  --font-display:"Fraunces",Georgia,"Times New Roman",serif;
  --font-body:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  background:var(--paper);
  color:var(--ink);
  font-family:var(--font-body);
  line-height:1.7;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
h1,h2,h3,h4{font-family:var(--font-display);line-height:1.18;color:var(--pine-deep);font-weight:600}
a{color:inherit;text-decoration:none}
ul{list-style:none}
button{font:inherit;background:none;border:0;cursor:pointer;color:inherit}
input,select,textarea{font:inherit;color:var(--ink)}
img,svg{display:block}
::selection{background:var(--gold);color:var(--pine-deep)}
:focus-visible{outline:3px solid var(--gold-deep);outline-offset:3px;border-radius:6px}
section[id],div[id]{scroll-margin-top:96px}

.container{width:min(1180px,92%);margin-inline:auto;position:relative;z-index:2}
.section{padding:clamp(64px,8vw,104px) 0;position:relative}
.section.alt{background:var(--paper-2);border-top:1px solid var(--line-soft);border-bottom:1px solid var(--line-soft)}

/* ---------- Skip link ---------- */
.skip{position:absolute;left:-9999px;top:0;background:var(--pine);color:#fff;padding:.7rem 1.2rem;border-radius:0 0 12px 0;z-index:200;font-weight:600}
.skip:focus{left:0}

/* ---------- Eyebrow / headings ---------- */
.eyebrow{display:inline-flex;align-items:center;gap:.6rem;font-size:.76rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep)}
.eyebrow::before{content:"";width:34px;height:2px;background:var(--gold);border-radius:2px}
.eyebrow.centered::after{content:"";width:34px;height:2px;background:var(--gold);border-radius:2px}
.sec-head{max-width:800px;margin:0 auto clamp(2.2rem,5vw,3.4rem);text-align:center}
.sec-head.left{margin-inline:0;text-align:left;max-width:640px}
.sec-head h2{font-size:clamp(1.85rem,4vw,2.7rem);margin:.9rem 0 .8rem}
.sec-head p{color:var(--muted);font-size:clamp(1rem,1.5vw,1.12rem)}
.sec-head p b{color:var(--pine)}

/* ---------- Buttons ---------- */
.btn{position:relative;display:inline-flex;align-items:center;justify-content:center;gap:.6rem;padding:.9rem 1.8rem;border-radius:999px;font-weight:600;font-size:1rem;line-height:1.2;border:2px solid transparent;transition:transform .25s ease,box-shadow .25s ease,background .25s ease,color .25s ease,border-color .25s ease;white-space:nowrap}
.btn svg{width:1em;height:1em;flex:none}
.btn-sm{padding:.62rem 1.3rem;font-size:.92rem}
.btn-lg{padding:1.05rem 2.1rem;font-size:1.05rem}
.btn-primary{background:var(--pine);color:#fff;box-shadow:0 14px 28px -14px rgba(14,59,44,.55)}
.btn-primary:hover{background:var(--pine-2);transform:translateY(-2px)}
.btn-gold{background:var(--gold);color:var(--pine-deep);box-shadow:0 14px 28px -14px rgba(154,120,20,.6)}
.btn-gold:hover{background:#d8b133;transform:translateY(-2px)}
.btn-outline{border-color:var(--pine);color:var(--pine);background:transparent}
.btn-outline:hover{background:var(--pine);color:#fff;transform:translateY(-2px)}
.btn-outline.light{border-color:rgba(255,255,255,.55);color:#fff}
.btn-outline.light:hover{background:#fff;color:var(--pine);border-color:#fff}
.btn-block{width:100%}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,253,246,.94);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border-bottom:1px solid var(--line);transition:box-shadow .3s ease}
.site-header.scrolled{box-shadow:0 10px 30px -18px rgba(14,59,44,.35)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:.85rem 0}
.brand{display:inline-flex;align-items:center;gap:.65rem}
.brand-mark{width:44px;height:44px;border-radius:13px;background:var(--pine);display:grid;place-items:center;color:var(--gold);box-shadow:inset 0 0 0 2px rgba(201,162,39,.45)}
.brand-mark svg{width:22px;height:22px}
.brand-name{font-family:var(--font-display);font-size:1.35rem;font-weight:700;color:var(--pine-deep);letter-spacing:-.01em}
.main-nav{display:flex;align-items:center;gap:.25rem}
.main-nav a{padding:.6rem .95rem;border-radius:10px;font-weight:600;font-size:.98rem;color:var(--pine);transition:background .2s ease,color .2s ease}
.main-nav a:hover{background:var(--gold-soft)}
.main-nav a.active{background:var(--pine);color:#fff}
.header-actions{display:flex;align-items:center;gap:.7rem}
.menu-btn{display:none;width:46px;height:46px;border-radius:12px;border:2px solid var(--line);background:#fff;color:var(--pine);place-items:center}
.menu-btn svg{width:22px;height:22px}
.mobile-menu{display:none;flex-direction:column;gap:.35rem;padding:.4rem 4% 1.2rem;background:var(--paper-2);border-top:1px solid var(--line-soft)}
.mobile-menu a.mlink{padding:.8rem 1rem;border-radius:12px;font-weight:600;color:var(--pine);border:1px solid transparent}
.mobile-menu a.mlink:hover{background:var(--gold-soft)}
.mobile-menu a.mlink.active{background:var(--pine);color:#fff}
.mobile-menu .btn{margin-top:.5rem}
.mobile-menu.open{display:flex}

/* ---------- Hero ---------- */
.hero{background:
  radial-gradient(700px 340px at 12% 8%,rgba(201,162,39,.16),transparent 60%),
  radial-gradient(800px 420px at 95% 90%,rgba(21,83,64,.5),transparent 60%),
  linear-gradient(160deg,var(--pine-deep),var(--pine) 60%,#0c3527);
  color:#f4efe0;overflow:hidden}
.hero-inner{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(2rem,5vw,4rem);align-items:center;padding:clamp(3.2rem,7vw,5.5rem) 0}
.hero .eyebrow{color:var(--gold)}
.hero h1{font-size:clamp(2.4rem,5.4vw,3.9rem);color:#fffdf4;letter-spacing:-.015em;margin:1rem 0 1.1rem}
.hero h1 .accent{color:var(--gold);font-style:italic}
.hero .lede{font-size:clamp(1.02rem,1.6vw,1.18rem);color:#d9d2ba;max-width:34rem}
.hero .lede b{color:#fff}
.hero-cta{display:flex;gap:.9rem;flex-wrap:wrap;margin-top:1.8rem}
.hero-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:.8rem;margin-top:2.4rem;border-top:1px solid rgba(201,162,39,.35);padding-top:1.6rem}
.hstat b{display:block;font-family:var(--font-display);font-size:clamp(1.4rem,2.6vw,2rem);color:#fff}
.hstat span{font-size:.85rem;color:#cfc7a8;line-height:1.45;display:block;margin-top:.15rem}
.hero-card{background:rgba(255,253,246,.06);border:1px solid rgba(201,162,39,.4);border-radius:26px;padding:1.8rem;box-shadow:0 30px 70px -30px rgba(0,0,0,.5)}
.hero-card h3{color:var(--gold);font-size:1.05rem;letter-spacing:.14em;text-transform:uppercase;font-family:var(--font-body);font-weight:700;margin-bottom:1.2rem}
.chip-row{display:flex;flex-wrap:wrap;gap:.6rem}
.chip-row span{display:inline-flex;align-items:center;gap:.5rem;background:rgba(255,253,246,.1);border:1px solid rgba(201,162,39,.35);color:#f4efe0;padding:.55rem 1rem;border-radius:999px;font-size:.9rem;font-weight:600}
.chip-row span i.dot{width:9px;height:9px;border-radius:50%;background:var(--gold);flex:none}
.hero-note{margin-top:1.4rem;background:var(--gold);color:var(--pine-deep);border-radius:16px;padding:1rem 1.2rem;font-weight:600;font-size:.95rem;display:flex;gap:.7rem;align-items:flex-start}
.hero-note svg{width:22px;height:22px;flex:none;margin-top:2px}

/* ---------- Ticker ---------- */
.ticker{background:var(--pine-deep);border-top:3px solid var(--gold);border-bottom:3px solid var(--gold);overflow:hidden;padding:.85rem 0}
.ticker-track{display:flex;gap:2.8rem;width:max-content;animation:tick 32s linear infinite}
.ticker:hover .ticker-track{animation-play-state:paused}
@keyframes tick{to{transform:translateX(-50%)}}
.tick-item{display:flex;align-items:center;gap:.6rem;color:#efe7cf;font-weight:600;font-size:.95rem;white-space:nowrap}
.tick-item i.dot{width:8px;height:8px;border-radius:50%;background:var(--gold);flex:none}

/* ---------- About preview / split ---------- */
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,5vw,4rem);align-items:center}
.about-visual{background:var(--pine);color:#efe9d5;border-radius:26px;padding:clamp(1.6rem,3vw,2.4rem);position:relative;overflow:hidden;box-shadow:var(--shadow)}
.about-visual::after{content:"";position:absolute;right:-70px;top:-70px;width:230px;height:230px;border-radius:50%;border:26px solid rgba(201,162,39,.18)}
.about-visual .board-tag{display:inline-block;background:var(--gold);color:var(--pine-deep);font-weight:700;font-size:.82rem;letter-spacing:.06em;padding:.4rem .95rem;border-radius:999px;margin-bottom:1.1rem}
.about-visual h3{color:#fff;font-size:1.5rem;margin-bottom:1.1rem}
.board-cell{display:flex;gap:.9rem;padding:.95rem 0;border-top:1px solid rgba(201,162,39,.25)}
.board-cell:first-of-type{border-top:0}
.board-cell .bicon{width:42px;height:42px;flex:none;border-radius:12px;background:rgba(201,162,39,.16);border:1px solid rgba(201,162,39,.4);display:grid;place-items:center;color:var(--gold)}
.board-cell .bicon svg{width:20px;height:20px}
.board-cell b{display:block;color:#fff;font-size:1rem}
.board-cell p{font-size:.92rem;color:#cfc7a8}
.about-support{margin-top:1.2rem;background:rgba(255,253,246,.07);border:1px dashed rgba(201,162,39,.5);border-radius:16px;padding:1rem 1.2rem;font-size:.93rem}
.about-support b{color:var(--gold)}
.about-copy p+p{margin-top:1rem}
.about-copy p{color:#43544b}
.about-copy p b{color:var(--pine)}
.value-pills{display:flex;flex-wrap:wrap;gap:.6rem;margin:1.4rem 0}
.value-pills span{display:inline-flex;align-items:center;gap:.5rem;background:#fff;border:1px solid var(--line);border-radius:999px;padding:.5rem 1.05rem;font-size:.9rem;font-weight:600;color:var(--pine);box-shadow:var(--shadow-sm)}
.value-pills svg{width:15px;height:15px;color:var(--gold-deep)}
.inline-cta{display:flex;gap:.9rem;flex-wrap:wrap;margin-top:1.6rem}

/* ---------- Service family cards (home) ---------- */
.fam-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem}
.fam-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem 1.5rem;display:flex;flex-direction:column;gap:.7rem;box-shadow:var(--shadow-sm);transition:transform .3s ease,box-shadow .3s ease,border-color .3s ease;position:relative;overflow:hidden}
.fam-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--gold);opacity:.85}
.fam-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:var(--gold)}
.fam-num{font-family:var(--font-display);font-size:.85rem;letter-spacing:.2em;color:var(--gold-deep);font-weight:700}
.fam-card h3{font-size:1.25rem}
.fam-card p{font-size:.93rem;color:var(--muted);flex-grow:1}
.text-link{display:inline-flex;align-items:center;gap:.45rem;font-weight:700;color:var(--pine);font-size:.95rem}
.text-link svg{width:15px;height:15px;transition:transform .25s ease}
.text-link:hover{color:var(--gold-deep)}
.text-link:hover svg{transform:translateX(4px)}
.center-cta{text-align:center;margin-top:2.4rem}

/* ---------- Category jump nav (services page) ---------- */
.cat-jump{display:flex;flex-wrap:wrap;gap:.6rem;justify-content:center;margin-top:1.8rem}
.cat-jump a{display:inline-flex;align-items:center;gap:.5rem;background:#fff;border:1px solid var(--line);border-radius:999px;padding:.55rem 1.15rem;font-weight:600;font-size:.92rem;color:var(--pine);transition:all .25s ease}
.cat-jump a:hover{background:var(--pine);color:#fff;border-color:var(--pine)}
.cat-jump svg{width:15px;height:15px;color:var(--gold-deep)}
.cat-jump a:hover svg{color:var(--gold)}

/* ---------- Page hero (inner pages) ---------- */
.page-hero{background:linear-gradient(160deg,var(--pine-deep),var(--pine) 70%);color:#f4efe0;padding:clamp(3rem,7vw,4.8rem) 0;border-bottom:4px solid var(--gold)}
.page-hero .eyebrow{color:var(--gold)}
.page-hero h1{color:#fffdf4;font-size:clamp(2rem,4.6vw,3.1rem);margin:.9rem 0 .9rem;max-width:16em}
.page-hero p{color:#d9d2ba;max-width:46rem;font-size:clamp(1rem,1.6vw,1.15rem)}
.page-hero p b{color:#fff}
.crumbs{display:flex;align-items:center;gap:.6rem;font-size:.88rem;color:#bdb58f;margin-bottom:1.2rem;font-weight:600}
.crumbs a:hover{color:var(--gold)}
.crumbs .sep{opacity:.6}

/* ---------- Service detail blocks ---------- */
.svc-block{padding:clamp(2.6rem,5vw,4rem) 0;border-bottom:1px solid var(--line-soft)}
.svc-block:last-child{border-bottom:0}
.svc-head{display:flex;align-items:flex-end;justify-content:space-between;gap:1.5rem;margin-bottom:2rem;flex-wrap:wrap}
.svc-head h2{font-size:clamp(1.6rem,3.4vw,2.3rem);margin:.7rem 0 .6rem}
.svc-head .kicker{font-size:.78rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-deep)}
.svc-head p.lead-copy{color:var(--muted);max-width:44rem;font-size:1.05rem}
.svc-count{font-family:var(--font-display);font-size:clamp(3rem,6vw,4.4rem);font-weight:700;color:transparent;-webkit-text-stroke:2px var(--gold);line-height:1;opacity:.7}

.card-grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.card-grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:1.2rem}
.loan-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.7rem;box-shadow:var(--shadow-sm);display:flex;flex-direction:column;gap:.7rem;transition:transform .3s ease,box-shadow .3s ease}
.loan-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.loan-card.feature{grid-column:1/-1;display:grid;grid-template-columns:auto 1fr;gap:1.3rem;align-items:start;background:linear-gradient(120deg,#fffdf4,#faf3df);border-color:var(--gold)}
.loan-card h4{font-size:1.25rem}
.loan-card.feature h4{font-size:1.5rem}
.loan-card p{font-size:.95rem;color:var(--muted)}
.icon-badge{width:52px;height:52px;flex:none;border-radius:15px;background:var(--pine);color:var(--gold);display:grid;place-items:center}
.icon-badge svg{width:24px;height:24px}
.icon-badge.gold{background:var(--gold);color:var(--pine-deep)}
.icon-badge.sm{width:40px;height:40px;border-radius:11px}
.icon-badge.sm svg{width:19px;height:19px}
.card-foot{margin-top:auto;padding-top:.6rem}

/* insurance */
.ins-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.ins-card{background:var(--pine);color:#e9e2c9;border-radius:var(--radius);padding:1.7rem;display:flex;flex-direction:column;gap:.7rem;border:1px solid rgba(201,162,39,.35);transition:transform .3s ease}
.ins-card:hover{transform:translateY(-5px)}
.ins-card h4{color:#fff;font-size:1.3rem}
.ins-card p{font-size:.93rem;color:#cfc7a8}
.ins-card .icon-badge{background:rgba(201,162,39,.15);border:1px solid rgba(201,162,39,.5)}
.tag-row{display:flex;flex-wrap:wrap;gap:.45rem;margin-top:.5rem}
.tag-row span{font-size:.78rem;font-weight:600;background:rgba(201,162,39,.14);border:1px solid rgba(201,162,39,.4);color:#efe7cf;border-radius:999px;padding:.28rem .8rem}
.tag-row.light span{background:#f4eedd;border-color:var(--line);color:var(--pine)}

/* investments */
.inv-row{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:clamp(1.5rem,3vw,2.2rem);display:grid;grid-template-columns:280px 1fr;gap:1.8rem;margin-bottom:1.2rem;box-shadow:var(--shadow-sm);position:relative;overflow:hidden}
.inv-row:last-child{margin-bottom:0}
.inv-row::after{content:attr(data-letter);position:absolute;right:10px;bottom:-38px;font-family:var(--font-display);font-size:9rem;font-weight:700;color:var(--pine);opacity:.06;line-height:1;pointer-events:none}
.inv-side .tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-deep);margin:.8rem 0 .4rem}
.inv-side h4{font-size:1.45rem}
.inv-body p{color:var(--muted);font-size:.97rem}
.inv-body p+p{margin-top:.8rem}
.check-list{display:flex;flex-wrap:wrap;gap:.5rem;margin-top:1rem}
.check-list span{display:inline-flex;align-items:center;gap:.45rem;background:var(--pine);color:#fff;font-size:.85rem;font-weight:600;border-radius:999px;padding:.4rem .95rem}
.check-list svg{width:13px;height:13px;color:var(--gold)}

/* wealth */
.wm-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.wm-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;display:flex;flex-direction:column;gap:.7rem;box-shadow:var(--shadow-sm);transition:transform .3s ease,box-shadow .3s ease}
.wm-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}
.wm-card.feature{grid-column:span 2;grid-row:span 2;background:var(--pine);color:#e9e2c9;border-color:rgba(201,162,39,.4)}
.wm-card.feature h4{color:#fff;font-size:1.6rem}
.wm-card.feature p{color:#cfc7a8}
.wm-card h4{font-size:1.2rem}
.wm-card p{font-size:.92rem;color:var(--muted)}
.wm-top{display:flex;align-items:center;justify-content:space-between}
.wm-top .num{font-family:var(--font-display);font-weight:700;color:var(--gold-deep);letter-spacing:.08em}
.wm-quote{border-left:3px solid var(--gold);padding:.4rem 0 .4rem 1rem;font-family:var(--font-display);font-style:italic;font-size:1.05rem;color:#f4efe0}
.wm-card.cta-card{background:linear-gradient(150deg,#fffdf4,#f6ecd2);border:2px dashed var(--gold-deep);justify-content:center;text-align:center;align-items:center}
.wm-card.cta-card h4{font-size:1.35rem}

/* payments */
.pay-layout{display:grid;grid-template-columns:340px 1fr;gap:1.4rem;align-items:start}
.pay-side{background:var(--pine);color:#e9e2c9;border-radius:22px;padding:1.8rem;border:1px solid rgba(201,162,39,.4)}
.pay-side h4{color:#fff;font-size:1.4rem;margin-bottom:1rem}
.pay-url{display:inline-flex;align-items:center;gap:.5rem;font-size:.8rem;font-weight:600;color:#efe7cf;background:rgba(255,253,246,.08);border:1px solid rgba(201,162,39,.4);border-radius:999px;padding:.35rem .9rem;margin-bottom:1rem}
.pay-url svg{width:14px;height:14px;color:var(--gold)}
.pay-balance{background:rgba(201,162,39,.12);border:1px solid rgba(201,162,39,.4);border-radius:16px;padding:1.1rem 1.2rem;margin-bottom:1.1rem}
.pay-balance small{color:#bdb58f;font-weight:600;letter-spacing:.06em;text-transform:uppercase;font-size:.72rem}
.pay-balance .amt{font-family:var(--font-display);font-size:1.8rem;color:#fff}
.pay-balance .amt span{color:var(--gold);font-style:italic}
.pay-bill{display:flex;align-items:center;gap:.8rem;padding:.7rem 0;border-top:1px solid rgba(201,162,39,.22)}
.pay-bill b{display:block;color:#fff;font-size:.95rem}
.pay-bill small{color:#bdb58f;font-size:.82rem}
.pay-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.1rem}
.pay-card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:1.4rem;box-shadow:var(--shadow-sm);cursor:pointer;transition:border-color .25s ease,box-shadow .25s ease}
.pay-card:hover{border-color:var(--gold)}
.pay-card:focus-visible{outline:3px solid var(--gold-deep);outline-offset:2px}
.pay-card-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:.7rem}
.pay-card h4{font-size:1.15rem}
.pay-card>p{font-size:.92rem;color:var(--muted)}
.pay-more{display:grid;grid-template-rows:0fr;transition:grid-template-rows .35s ease}
.pay-more>div{overflow:hidden}
.pay-card.open .pay-more{grid-template-rows:1fr}
.pay-more p{font-size:.9rem;color:var(--ink);background:#faf5e6;border:1px solid var(--line);border-radius:12px;padding:.9rem 1rem;margin-top:.8rem}
.pay-toggle{width:32px;height:32px;border-radius:50%;border:2px solid var(--line);display:grid;place-items:center;color:var(--pine);transition:all .25s ease;flex:none}
.pay-toggle svg{width:14px;height:14px;transition:transform .25s ease}
.pay-card.open .pay-toggle{background:var(--pine);border-color:var(--pine);color:var(--gold)}
.pay-card.open .pay-toggle svg{transform:rotate(45deg)}

/* debt */
.debt-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.debt-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;position:relative;box-shadow:var(--shadow-sm);overflow:hidden}
.debt-card .dnum{position:absolute;top:8px;right:16px;font-family:var(--font-display);font-size:3.4rem;font-weight:700;color:var(--pine);opacity:.08;line-height:1}
.debt-card h4{font-size:1.3rem;margin:.8rem 0 .6rem}
.debt-card p{font-size:.93rem;color:var(--muted)}
.debt-card p.small{font-size:.86rem;margin-top:.7rem;color:var(--gold-deep);font-weight:600}
.note-bar{margin-top:1.4rem;background:var(--gold-soft);border:1px solid var(--gold);border-left:6px solid var(--gold-deep);border-radius:14px;padding:1.2rem 1.4rem;display:flex;gap:.9rem;align-items:flex-start}
.note-bar svg{width:24px;height:24px;flex:none;color:var(--gold-deep);margin-top:2px}
.note-bar p{font-size:.96rem;color:#4a3f14}
.note-bar b{color:var(--pine-deep)}

/* home warranty */
.hw-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.hw-card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.7rem;display:flex;flex-direction:column;gap:.8rem;box-shadow:var(--shadow-sm)}
.hw-top{display:flex;gap:1rem;align-items:center}
.hw-top h4{font-size:1.25rem}
.hw-top small{color:var(--gold-deep);font-weight:700;letter-spacing:.04em}
.hw-card>p{font-size:.93rem;color:var(--muted)}
.hw-list{display:flex;flex-direction:column;gap:.5rem;margin:.4rem 0}
.hw-list li{display:flex;align-items:center;gap:.6rem;font-size:.93rem;font-weight:500;color:var(--pine)}
.hw-list svg{width:17px;height:17px;color:var(--ok);flex:none}
.hw-foot{display:flex;align-items:center;justify-content:space-between;gap:.8rem;border-top:1px solid var(--line-soft);padding-top:1rem;margin-top:auto;flex-wrap:wrap}
.hw-pill{display:inline-flex;align-items:center;gap:.4rem;font-size:.8rem;font-weight:700;color:var(--pine);background:#f4eedd;border:1px solid var(--line);border-radius:999px;padding:.3rem .85rem}

/* auto warranty */
.aw-row{background:var(--card);border:1px solid var(--line);border-radius:20px;padding:1.6rem 1.8rem;display:grid;grid-template-columns:auto 1fr 220px;gap:1.4rem;align-items:center;margin-bottom:1.1rem;box-shadow:var(--shadow-sm)}
.aw-row h4{font-size:1.3rem;margin-bottom:.4rem}
.aw-row p{font-size:.94rem;color:var(--muted)}
.meter-top{display:flex;justify-content:space-between;font-size:.8rem;font-weight:700;color:var(--pine);margin-bottom:.45rem}
.meter{height:10px;border-radius:99px;background:#eee5cb;overflow:hidden}
.meter-fill{height:100%;width:0;border-radius:99px;background:linear-gradient(90deg,var(--pine-2),var(--gold));transition:width 1.2s ease}
.fine-print{text-align:center;color:var(--muted);margin-top:1.4rem;font-size:.92rem}

/* ---------- Why us ---------- */
.why-split{display:grid;grid-template-columns:1.05fr .95fr;gap:1.6rem;align-items:stretch}
.why-feats{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem}
.why-feat{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;box-shadow:var(--shadow-sm)}
.why-feat h4{font-size:1.12rem;margin:.7rem 0 .4rem}
.why-feat p{font-size:.9rem;color:var(--muted)}
.why-panel{background:var(--pine);color:#e9e2c9;border-radius:24px;padding:clamp(1.6rem,3vw,2.3rem);border:1px solid rgba(201,162,39,.4);box-shadow:var(--shadow)}
.why-panel h3{color:#fff;font-size:1.4rem;margin-bottom:1.2rem}
.gcounts{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin-bottom:1.2rem}
.gcount{background:rgba(255,253,246,.06);border:1px solid rgba(201,162,39,.35);border-radius:16px;padding:1rem;text-align:center}
.gcount b{font-family:var(--font-display);font-size:1.7rem;color:var(--gold);display:block;line-height:1.1}
.gcount b .u{font-size:1rem}
.gcount p{font-size:.82rem;color:#cfc7a8;margin-top:.25rem;line-height:1.5}
.why-badges{display:flex;flex-direction:column;gap:.55rem}
.why-badges span{display:flex;gap:.6rem;align-items:flex-start;font-size:.9rem;color:#e9e2c9}
.why-badges svg{width:17px;height:17px;color:var(--gold);flex:none;margin-top:3px}
.steps{margin-top:3rem;text-align:center}
.steps h3{font-size:clamp(1.5rem,3vw,2rem);margin-bottom:1.6rem}
.steps-line{display:grid;grid-template-columns:repeat(4,1fr);gap:1.1rem;position:relative}
.steps-line::before{content:"";position:absolute;top:31px;left:11%;right:11%;height:2px;background:repeating-linear-gradient(90deg,var(--gold) 0 10px,transparent 10px 18px);opacity:.6}
.step{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem 1.3rem;position:relative;box-shadow:var(--shadow-sm)}
.scirc{width:60px;height:60px;border-radius:50%;background:var(--pine);color:var(--gold);font-family:var(--font-display);font-size:1.5rem;font-weight:700;display:grid;place-items:center;margin:0 auto 1rem;border:3px solid var(--gold);position:relative;z-index:1}
.step h4{font-size:1.2rem;margin-bottom:.4rem}
.step p{font-size:.9rem;color:var(--muted)}

/* ---------- Testimonials ---------- */
.t-shell{max-width:820px;margin:0 auto}
.t-viewport{overflow:hidden;border-radius:24px}
.t-track{display:flex;transition:transform .55s cubic-bezier(.2,.75,.25,1)}
.t-slide{flex:0 0 100%;padding:.3rem}
.t-card{background:var(--card);border:1px solid var(--line);border-radius:22px;padding:clamp(1.8rem,4vw,2.8rem);text-align:center;box-shadow:var(--shadow);position:relative}
.t-card .qmark{width:44px;height:44px;margin:0 auto 1rem;border-radius:50%;background:var(--gold-soft);border:1px solid var(--gold);display:grid;place-items:center;color:var(--gold-deep)}
.t-card .qmark svg{width:20px;height:20px}
.stars{display:inline-flex;gap:3px;color:var(--gold-deep);margin-bottom:1rem}
.stars svg{width:17px;height:17px}
.t-card blockquote{font-family:var(--font-display);font-size:clamp(1.05rem,2.2vw,1.3rem);color:var(--pine-deep);line-height:1.55}
.t-person{display:flex;align-items:center;justify-content:center;gap:.8rem;margin-top:1.4rem}
.t-ava{width:52px;height:52px;border-radius:50%;background:var(--pine);color:var(--gold);display:grid;place-items:center;font-weight:700;font-size:1rem;border:2px solid var(--gold);flex:none}
.t-person div{text-align:left}
.t-person b{display:block;color:var(--pine-deep)}
.t-person small{color:var(--muted)}
.t-role{display:inline-flex;align-items:center;gap:.45rem;margin-top:1rem;font-size:.82rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-deep);background:var(--gold-soft);border:1px solid var(--gold);padding:.4rem 1rem;border-radius:999px}
.t-role svg{width:14px;height:14px}
.t-controls{display:flex;align-items:center;justify-content:center;gap:1rem;margin-top:1.4rem}
.t-arrow{width:48px;height:48px;border-radius:50%;border:2px solid var(--pine);color:var(--pine);display:grid;place-items:center;transition:all .25s ease;background:transparent}
.t-arrow:hover{background:var(--pine);color:var(--gold)}
.t-arrow svg{width:18px;height:18px}
.t-dots{display:flex;gap:.5rem}
.t-dots button{width:12px;height:12px;border-radius:50%;background:#d8cba4;transition:all .25s ease;padding:0}
.t-dots button.on{background:var(--pine);transform:scale(1.25)}

/* ---------- FAQ ---------- */
.faq-list{max-width:860px;margin:0 auto;display:flex;flex-direction:column;gap:.8rem}
.faq-item{background:var(--card);border:1px solid var(--line);border-radius:16px;overflow:hidden;transition:border-color .25s ease,box-shadow .25s ease}
.faq-item.open{border-color:var(--gold);box-shadow:var(--shadow-sm)}
.faq-q{width:100%;display:flex;align-items:center;justify-content:space-between;gap:1rem;text-align:left;padding:1.15rem 1.35rem;font-weight:700;color:var(--pine-deep);font-size:1.02rem}
.faq-x{width:34px;height:34px;flex:none;border-radius:50%;background:var(--pine);color:var(--gold);display:grid;place-items:center;transition:transform .3s ease}
.faq-x svg{width:15px;height:15px}
.faq-item.open .faq-x{transform:rotate(45deg)}
.faq-a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .35s ease}
.faq-a>div{overflow:hidden}
.faq-item.open .faq-a{grid-template-rows:1fr}
.faq-a p{padding:0 1.35rem 1.3rem;color:var(--muted);font-size:.97rem}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(140deg,var(--pine-deep),var(--pine) 65%);border-radius:28px;padding:clamp(2.2rem,5vw,3.6rem);text-align:center;color:#f4efe0;position:relative;overflow:hidden;border:1px solid rgba(201,162,39,.4)}
.cta-band::before,.cta-band::after{content:"";position:absolute;border-radius:50%;border:30px solid rgba(201,162,39,.12)}
.cta-band::before{width:260px;height:260px;left:-90px;top:-90px}
.cta-band::after{width:320px;height:320px;right:-120px;bottom:-140px}
.cta-band h2{color:#fff;font-size:clamp(1.7rem,3.6vw,2.5rem);margin-bottom:.7rem;position:relative;z-index:1}
.cta-band p{color:#d9d2ba;max-width:36rem;margin:0 auto 1.6rem;position:relative;z-index:1}
.cta-band .hero-cta{justify-content:center;position:relative;z-index:1}

/* ---------- Contact ---------- */
.contact-split{display:grid;grid-template-columns:.9fr 1.1fr;gap:1.6rem;align-items:start}
.info-card{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:1.3rem 1.4rem;display:flex;gap:1.1rem;align-items:flex-start;box-shadow:var(--shadow-sm);margin-bottom:1rem}
.info-card:last-child{margin-bottom:0}
.info-card h4{font-size:1.1rem;margin-bottom:.15rem}
.info-card p{font-size:.94rem;color:var(--muted)}
.info-card p.strong{color:var(--pine);font-weight:600}
.form-card{background:var(--card);border:1px solid var(--line);border-radius:24px;padding:clamp(1.6rem,3.5vw,2.4rem);box-shadow:var(--shadow);border-top:5px solid var(--gold)}
.form-card h3{font-size:1.5rem;margin-bottom:1.3rem}
.f-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.fld{display:flex;flex-direction:column;gap:.4rem}
.fld.full{grid-column:1/-1}
.fld label{font-weight:600;font-size:.92rem;color:var(--pine)}
.fld label em{color:var(--err);font-style:normal}
.inp,.txt,.sel{width:100%;background:#fbf8ee;border:2px solid var(--line);border-radius:12px;padding:.8rem 1rem;font-size:.98rem;transition:border-color .2s ease,box-shadow .2s ease,background .2s ease;color:var(--ink)}
.txt{min-height:140px;resize:vertical}
.inp:focus,.txt:focus,.sel:focus{outline:none;border-color:var(--pine);background:#fff;box-shadow:0 0 0 4px rgba(14,59,44,.1)}
.inp::placeholder,.txt::placeholder{color:#9aa79e}
.fld.invalid .inp,.fld.invalid .txt,.fld.invalid .sel{border-color:var(--err);background:#fdf1f0}
.f-err{display:none;align-items:center;gap:.4rem;font-size:.83rem;color:var(--err);font-weight:600}
.f-err svg{width:14px;height:14px;flex:none}
.fld.invalid .f-err{display:inline-flex}
.form-ok{display:none;text-align:center;padding:1.5rem .5rem}
.form-ok.show{display:block;animation:popIn .45s ease}
@keyframes popIn{from{opacity:0;transform:translateY(14px) scale(.98)}to{opacity:1;transform:none}}
.ok-badge{width:88px;height:88px;margin:0 auto 1.2rem;border-radius:50%;background:#e6f5ec;border:3px solid var(--ok);display:grid;place-items:center;color:var(--ok);animation:popIn .5s ease}
.ok-badge svg{width:40px;height:40px}
.ok-badge.gold{background:#faf3df;border-color:var(--gold-deep);color:var(--gold-deep)}
.form-ok h3{font-size:1.6rem;margin-bottom:.5rem}
.form-ok p{color:var(--muted);max-width:30rem;margin:0 auto 1.3rem}
.ok-actions{display:flex;gap:.8rem;justify-content:center;flex-wrap:wrap}

/* ---------- Newsletter / unsubscribe ---------- */
.news-wrap{max-width:760px;margin:0 auto}
.news-card{background:var(--pine);color:#e9e2c9;border-radius:26px;padding:clamp(1.8rem,4vw,2.8rem);border:1px solid rgba(201,162,39,.45);box-shadow:var(--shadow);position:relative;overflow:hidden}
.news-card::before{content:"";position:absolute;left:-80px;bottom:-80px;width:240px;height:240px;border-radius:50%;border:28px solid rgba(201,162,39,.14)}
.news-card .eyebrow{color:var(--gold)}
.news-card h2{color:#fff;font-size:clamp(1.6rem,3.4vw,2.2rem);margin:.8rem 0 .6rem}
.news-card>p{color:#cfc7a8;margin-bottom:1.5rem}
.news-card .fld label{color:#efe7cf}
.news-card .inp,.news-card .sel{background:rgba(255,253,246,.08);border-color:rgba(201,162,39,.4);color:#fff}
.news-card .inp::placeholder{color:#9a9174}
.news-card .inp:focus,.news-card .sel:focus{border-color:var(--gold);background:rgba(255,253,246,.12);box-shadow:0 0 0 4px rgba(201,162,39,.15)}
.news-card .sel option{color:#24312b;background:#fff}
.news-card .fld.invalid .inp{border-color:#ff9d9d;background:rgba(179,38,30,.15)}
.news-card .f-err{color:#ffc9c4}
.consent-row{display:flex;gap:.75rem;align-items:flex-start;background:rgba(255,253,246,.06);border:1px solid rgba(201,162,39,.35);border-radius:14px;padding:1rem 1.1rem}
.consent-row input[type="checkbox"]{width:22px;height:22px;flex:none;margin-top:3px;accent-color:var(--gold);cursor:pointer}
.consent-row label{font-size:.9rem;font-weight:400;color:#e3dcc2;line-height:1.6}
.news-card .consent-row label{color:#e3dcc2}
.consent-row label a{color:var(--gold);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.consent-row label a:hover{color:#fff}
.news-note{margin-top:1.2rem;font-size:.93rem;color:#bdb58f;text-align:center}
.news-note a{color:var(--gold);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.news-note a:hover{color:#fff}
.news-card .form-ok h3{color:#fff}
.news-card .form-ok p{color:#cfc7a8}
.light-card{background:var(--card);border:1px solid var(--line);border-radius:26px;padding:clamp(1.8rem,4vw,2.8rem);box-shadow:var(--shadow);border-top:5px solid var(--gold)}
.light-card h2{font-size:clamp(1.6rem,3.4vw,2.2rem);margin:.8rem 0 .6rem}
.light-card>p.lead{color:var(--muted);margin-bottom:1.5rem}

/* ---------- Legal pages ---------- */
.legal-wrap{max-width:880px;margin:0 auto}
.legal-card{background:var(--card);border:1px solid var(--line);border-radius:24px;padding:clamp(1.8rem,4vw,3rem);box-shadow:var(--shadow-sm)}
.legal-card>p:first-of-type{font-size:1.05rem;color:var(--pine);background:#faf5e6;border:1px solid var(--line);border-radius:14px;padding:1.1rem 1.3rem;margin-bottom:1.6rem}
.legal-card h4{font-size:1.25rem;margin:1.8rem 0 .6rem;padding-top:1.4rem;border-top:1px solid var(--line-soft)}
.legal-card h4:first-of-type{border-top:0;padding-top:0;margin-top:0}
.legal-card p{color:#43544b;margin-bottom:.7rem}
.legal-card p b{color:var(--pine)}
.legal-card ul{margin:.4rem 0 .9rem;display:flex;flex-direction:column;gap:.5rem}
.legal-card ul li{position:relative;padding-left:1.6rem;color:#43544b}
.legal-card ul li::before{content:"";position:absolute;left:0;top:.62em;width:9px;height:9px;border-radius:50%;background:var(--gold-deep)}

/* ---------- Footer ---------- */
.site-footer{background:var(--pine-deep);color:#cfc7a8;padding:clamp(3rem,6vw,4.5rem) 0 0;border-top:4px solid var(--gold)}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:2rem;padding-bottom:2.4rem}
.footer-brand .brand-name{color:#fff}
.footer-brand p{font-size:.93rem;margin:1rem 0;color:#bdb58f}
.rating{display:inline-flex;align-items:center;gap:.5rem;font-size:.88rem;font-weight:700;color:var(--gold)}
.rating .stars{margin:0}
.foot-col h3{color:#fff;font-size:1.05rem;font-family:var(--font-body);font-weight:700;margin-bottom:1rem;letter-spacing:.04em}
.foot-col ul{display:flex;flex-direction:column;gap:.15rem}
.foot-col ul a{display:inline-flex;align-items:center;gap:.5rem;padding:.32rem 0;font-size:.93rem;transition:color .2s ease,gap .2s ease}
.foot-col ul a svg{width:11px;height:11px;color:var(--gold)}
.foot-col ul a:hover{color:#fff;gap:.7rem}
.f-contact{display:flex;gap:.7rem;align-items:flex-start;padding:.4rem 0;font-size:.92rem}
.f-contact svg{width:17px;height:17px;color:var(--gold);flex:none;margin-top:4px}
.footer-bottom{border-top:1px solid rgba(201,162,39,.25);padding:1.3rem 0;display:flex;align-items:center;justify-content:space-between;gap:1rem;flex-wrap:wrap;font-size:.9rem}
.footer-legal{display:flex;align-items:center;gap:.9rem}
.footer-legal a{display:inline-flex;align-items:center;gap:.45rem;font-weight:600}
.footer-legal a svg{width:15px;height:15px;color:var(--gold)}
.footer-legal a:hover{color:#fff}
.footer-legal .sep{opacity:.4}

/* ---------- Toast ---------- */
.toast{position:fixed;left:50%;bottom:26px;transform:translateX(-50%) translateY(140%);background:var(--pine-deep);color:#fff;border:1px solid var(--gold);border-radius:999px;padding:.9rem 1.6rem .9rem 1.1rem;display:flex;align-items:center;gap:.7rem;font-weight:600;font-size:.95rem;box-shadow:0 20px 45px -12px rgba(0,0,0,.5);z-index:300;transition:transform .45s cubic-bezier(.2,.75,.25,1);max-width:min(92vw,560px)}
.toast.show{transform:translateX(-50%) translateY(0)}
.toast .t-ic{width:34px;height:34px;flex:none;border-radius:50%;background:var(--gold);color:var(--pine-deep);display:grid;place-items:center}
.toast .t-ic svg{width:17px;height:17px}

/* ---------- Back to top ---------- */
.to-top{position:fixed;right:22px;bottom:22px;width:52px;height:52px;border-radius:50%;background:var(--pine);color:var(--gold);display:grid;place-items:center;box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(16px);transition:all .3s ease;z-index:150;border:2px solid var(--gold)}
.to-top.show{opacity:1;visibility:visible;transform:none}
.to-top:hover{background:var(--pine-2)}
.to-top svg{width:20px;height:20px}

/* ---------- Reveal on scroll ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001s !important;transition-duration:.001s !important}
  html{scroll-behavior:auto}
  .reveal{opacity:1;transform:none}
}

/* ---------- Responsive ---------- */
@media (max-width:1024px){
  .fam-grid{grid-template-columns:repeat(2,1fr)}
  .card-grid-3,.ins-grid,.debt-grid,.hw-grid{grid-template-columns:repeat(2,1fr)}
  .wm-grid{grid-template-columns:repeat(2,1fr)}
  .pay-layout{grid-template-columns:1fr}
  .hero-inner{grid-template-columns:1fr}
  .hero-card{max-width:560px}
  .split,.why-split,.contact-split{grid-template-columns:1fr}
  .steps-line{grid-template-columns:repeat(2,1fr)}
  .steps-line::before{display:none}
  .inv-row{grid-template-columns:1fr;gap:1rem}
  .aw-row{grid-template-columns:auto 1fr}
  .aw-row .meter-wrap{grid-column:1/-1}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  .main-nav{display:none}
  .menu-btn{display:grid}
  .header-actions .btn{display:none}
}
@media (max-width:640px){
  .fam-grid,.card-grid-3,.ins-grid,.debt-grid,.hw-grid,.wm-grid,.pay-grid,.f-grid,.why-feats{grid-template-columns:1fr}
  .loan-card.feature{grid-template-columns:1fr}
  .hero-stats{grid-template-columns:repeat(2,1fr)}
  .steps-line{grid-template-columns:1fr}
  .aw-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr;gap:1.6rem}
  .footer-bottom{justify-content:center;text-align:center}
  .gcounts{grid-template-columns:1fr 1fr}
  .svc-count{display:none}
}