/* Generated from approved desktop mockups in docs/design/mockups. */
*, *::before, *::after {
  box-sizing: border-box;
}
html {
  scroll-behavior: smooth;
}
body {
  margin: 0;
}
img, svg {
  max-width: 100%;
}
a {
  color: inherit;
}


/* ===== Source: home-final.html (body.page-home) ===== */
body.page-home {
    --bg: #F8F4ED;
    --bg-card: #FFFFFF;
    --bg-warm: #F1EBDF;
    --bg-deep: #EAE0CC;
    --ink: #2A2520;
    --ink-soft: #5A524A;
    --ink-muted: #8A8278;
    --teal: #1B3A4B;
    --teal-deep: #122833;
    --teal-soft: #3A6478;
    --terracotta: #B85C38;
    --terracotta-soft: #D88562;
    --terracotta-deep: #8a4226;
    --line: #E5DCC9;
    --line-soft: #EFE7D6;
    --green: #2D6A4F;
    --gold: #B89460;
  }


  body.page-home * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }


  body.page-home {
    font-family: 'Manrope', sans-serif;
    background: var(--bg);
    color: var(--ink);
    line-height: 1.6;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
  }


  body.page-home /* ============== TOP UTILITY BAR (rates ticker) ============== */
  .utility-bar {
    background: var(--teal-deep);
    color: rgba(255,255,255,0.78);
    font-size: 11.5px;
    font-weight: 500;
    letter-spacing: 0.02em;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    padding: 0 32px;
  }

  body.page-home .utility-inner {
    max-width: 1240px;
    margin: 0 auto;
    padding: 7px 0;
    display: flex;
    align-items: center;
    gap: 24px;
  }

  body.page-home .utility-rates {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-wrap: wrap;
  }

  body.page-home .utility-rates .rate-label {
    color: rgba(255,255,255,0.55);
    text-transform: uppercase;
    letter-spacing: 0.16em;
    font-size: 10px;
    font-weight: 600;
  }

  body.page-home .utility-rates .rate-pair {
    display: inline-flex;
    align-items: baseline;
    gap: 6px;
  }

  body.page-home .utility-rates .rate-term {
    color: rgba(255,255,255,0.6);
    font-size: 10.5px;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    font-weight: 600;
  }

  body.page-home .utility-rates .rate-val {
    color: #fff;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 13.5px;
    letter-spacing: -0.005em;
  }

  body.page-home .utility-rates .rate-sep {
    color: rgba(255,255,255,0.25);
  }

  body.page-home .utility-rates a.rate-source {
    color: rgba(255,255,255,0.55);
    text-decoration: none;
    font-size: 10.5px;
    letter-spacing: 0.04em;
    transition: color 0.2s;
  }

  body.page-home .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }

  body.page-home .utility-right {
    display: flex;
    align-items: center;
    gap: 18px;
    font-size: 11px;
    color: rgba(255,255,255,0.55);
  }

  body.page-home .utility-right .phone {
    color: rgba(255,255,255,0.78);
    text-decoration: none;
    font-weight: 500;
  }

  body.page-home .utility-right .phone:hover { color: #fff; }

  body.page-home .utility-right .nmls { letter-spacing: 0.06em; }

  @media (max-width: 720px) {
body.page-home .utility-inner { padding: 6px 0; gap: 14px; }

    body.page-home .utility-right .nmls { display: none; }

    body.page-home .utility-rates .rate-label { display: none; }
}


  body.page-home /* ============== HEADER ============== */
  .site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(248, 244, 237, 0.92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--line-soft);
    padding: 0 32px;
  }

  body.page-home .header-inner {
    max-width: 1240px;
    margin: 0 auto;
    padding: 18px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
  }

  body.page-home .logo {
    display: flex;
    align-items: baseline;
    gap: 12px;
    text-decoration: none;
    color: var(--ink);
  }

  body.page-home .logo-mark {
    font-family: 'Fraunces', serif;
    font-size: 24px;
    font-weight: 500;
    letter-spacing: -0.02em;
    color: var(--teal-deep);
    line-height: 1;
  }

  body.page-home .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-home .logo-tag {
    font-size: 10px;
    text-transform: uppercase;
    letter-spacing: 0.2em;
    color: var(--ink-muted);
    font-weight: 600;
  }

  body.page-home nav.main-nav { display: flex; gap: 30px; }

  body.page-home nav.main-nav a {
    color: var(--ink-soft);
    text-decoration: none;
    font-size: 14px;
    font-weight: 500;
    position: relative;
    padding: 4px 0;
    transition: color 0.2s;
  }

  body.page-home nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-home nav.main-nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 1px;
    background: var(--terracotta);
    transition: width 0.3s ease;
  }

  body.page-home nav.main-nav a:hover::after { width: 100%; }

  body.page-home nav.main-nav a.has-dropdown::before {
    content: '⌄';
    position: absolute;
    right: -12px;
    top: 2px;
    font-size: 10px;
    color: var(--ink-muted);
  }


  body.page-home .header-ctas { display: flex; gap: 12px; align-items: center; }

  body.page-home .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 11px 20px;
    border: none;
    border-radius: 8px;
    font-family: inherit;
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    text-decoration: none;
    transition: all 0.18s ease;
    line-height: 1;
    white-space: nowrap;
  }

  body.page-home .btn-primary {
    background: var(--teal-deep);
    color: #fff;
  }

  body.page-home .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-home .btn-secondary {
    background: transparent;
    color: var(--teal-deep);
    border: 1.5px solid var(--teal-deep);
  }

  body.page-home .btn-secondary:hover { background: var(--teal-deep); color: #fff; }

  body.page-home .btn-quiet {
    background: transparent;
    color: var(--ink-soft);
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-color: var(--line);
    padding: 11px 0;
  }

  body.page-home .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-home .btn-lg { padding: 15px 26px; font-size: 14px; }

  body.page-home .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-home .btn-arrow:hover svg { transform: translateX(3px); }


  body.page-home /* ============== HERO ============== */
  .hero {
    position: relative;
    padding: 40px 32px 56px;
    overflow: hidden;
  }

  body.page-home .hero::before {
    content: '';
    position: absolute;
    top: -120px;
    right: -120px;
    width: 480px;
    height: 480px;
    background: radial-gradient(circle, rgba(184, 92, 56, 0.08) 0%, transparent 70%);
    pointer-events: none;
  }

  body.page-home .hero::after {
    content: '';
    position: absolute;
    bottom: -180px;
    left: -180px;
    width: 480px;
    height: 480px;
    background: radial-gradient(circle, rgba(27, 58, 75, 0.05) 0%, transparent 70%);
    pointer-events: none;
  }


  body.page-home .hero-grid {
    max-width: 1240px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1.15fr 1fr;
    gap: 72px;
    align-items: stretch;
    position: relative;
    z-index: 1;
  }

  body.page-home .hero-content {
    display: flex;
    flex-direction: column;
    /* trust strip sits flush with photo bottom via margin-top:auto */
  }


  body.page-home .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--terracotta);
    margin-bottom: 22px;
  }

  body.page-home .eyebrow::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--terracotta);
  }


  body.page-home .hero-headline {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(40px, 4.6vw, 58px);
    line-height: 1.05;
    letter-spacing: -0.022em;
    color: var(--ink);
    margin-bottom: 22px;
  }

  body.page-home .hero-headline em {
    font-style: italic;
    color: var(--terracotta);
    font-weight: 400;
  }


  body.page-home .hero-supporting {
    font-size: 17px;
    line-height: 1.6;
    color: var(--ink-soft);
    margin-bottom: 26px;
    max-width: 560px;
  }


  body.page-home .hero-bullets {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin-bottom: 30px;
    max-width: 560px;
  }

  body.page-home .hero-bullets li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 15px;
    color: var(--ink);
    line-height: 1.5;
  }

  body.page-home .hero-bullets li svg {
    flex-shrink: 0;
    width: 20px;
    height: 20px;
    margin-top: 1px;
    color: var(--terracotta);
  }


  body.page-home .hero-ctas {
    display: flex;
    gap: 16px;
    align-items: center;
    margin-bottom: 14px;
  }


  body.page-home .hero-reassurance {
    font-size: 12.5px;
    color: var(--ink-muted);
    letter-spacing: 0.02em;
    margin-bottom: 36px;
  }


  body.page-home /* Trust strip — pinned to bottom of left column */
  .trust-strip {
    margin-top: auto;
    padding-top: 24px;
    border-top: 1px solid var(--line);
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 12px;
  }

  body.page-home .trust-item .trust-num {
    font-family: 'Fraunces', serif;
    font-size: 28px;
    font-weight: 500;
    color: var(--teal-deep);
    line-height: 1.05;
    letter-spacing: -0.01em;
    margin-bottom: 4px;
  }

  body.page-home .trust-item .trust-label {
    font-size: 10px;
    font-weight: 600;
    color: var(--ink-muted);
    text-transform: uppercase;
    letter-spacing: 0.12em;
    line-height: 1.3;
  }


  body.page-home /* HERO MEDIA */
  .hero-media {
    position: relative;
    align-self: stretch;
  }

  body.page-home .hero-portrait {
    position: relative;
    width: 100%;
    aspect-ratio: 4 / 5;
    border-radius: 14px;
    overflow: hidden;
    background: var(--teal-deep);
    box-shadow:
      0 30px 60px -20px rgba(18, 40, 51, 0.35),
      0 8px 24px -8px rgba(18, 40, 51, 0.18);
  }

  body.page-home .hero-portrait img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center 25%;
    display: block;
  }

  body.page-home .hero-portrait::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(
      180deg,
      transparent 0%,
      transparent 55%,
      rgba(18, 40, 51, 0.85) 100%
    );
    pointer-events: none;
  }

  body.page-home /* Play overlay (video placeholder) */
  .hero-play {
    position: absolute;
    bottom: 88px;
    right: 22px;
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(6px);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: all 0.28s ease;
    z-index: 3;
    border: 1px solid rgba(255,255,255,0.25);
    opacity: 0.7;
  }

  body.page-home .hero-portrait:hover .hero-play {
    opacity: 1;
    background: rgba(255, 255, 255, 0.95);
    border-color: rgba(255,255,255,0.95);
    transform: scale(1.06);
    box-shadow: 0 10px 24px rgba(0,0,0,0.3);
  }

  body.page-home .hero-portrait:hover .hero-play svg { color: var(--teal-deep); }

  body.page-home .hero-play svg {
    width: 18px;
    height: 18px;
    color: #fff;
    margin-left: 2px;
    transition: color 0.28s ease;
  }

  body.page-home .hero-play-label {
    position: absolute;
    right: 88px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 10px;
    font-weight: 600;
    color: rgba(255,255,255,0.85);
    text-transform: uppercase;
    letter-spacing: 0.18em;
    white-space: nowrap;
    opacity: 0;
    transition: opacity 0.25s ease;
  }

  body.page-home .hero-portrait:hover .hero-play-label { opacity: 1; }


  body.page-home .hero-caption {
    position: absolute;
    bottom: 24px;
    left: 24px;
    color: #fff;
    z-index: 2;
  }

  body.page-home .hero-caption .name {
    font-family: 'Fraunces', serif;
    font-size: 22px;
    font-weight: 500;
    letter-spacing: -0.01em;
    margin-bottom: 4px;
  }

  body.page-home .hero-caption .role {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.16em;
    color: rgba(255,255,255,0.82);
  }


  body.page-home /* Rotated terracotta pull-quote breaking the frame */
  .hero-pullquote {
    position: absolute;
    bottom: 48px;
    right: -28px;
    background: var(--terracotta);
    color: #fff;
    padding: 18px 22px;
    border-radius: 4px;
    max-width: 260px;
    font-family: 'Fraunces', serif;
    font-style: italic;
    font-size: 15px;
    line-height: 1.4;
    transform: rotate(-2.5deg);
    box-shadow: 0 14px 30px -10px rgba(184, 92, 56, 0.55);
    z-index: 4;
  }

  body.page-home .hero-pullquote::before {
    content: '"';
    position: absolute;
    top: -8px;
    left: 12px;
    font-size: 56px;
    color: rgba(255,255,255,0.35);
    font-style: normal;
    line-height: 1;
    font-family: 'Fraunces', serif;
  }

  body.page-home .hero-pullquote-attr {
    display: block;
    margin-top: 8px;
    font-style: normal;
    font-family: 'Manrope', sans-serif;
    font-size: 10px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    color: rgba(255,255,255,0.85);
  }


  body.page-home /* ============== STATES RIBBON (LEFT-ALIGNED) ============== */
  .states-ribbon {
    background: var(--bg-deep);
    border-top: 1px solid var(--line);
    border-bottom: 2px solid var(--line);
    padding: 16px 32px;
  }

  body.page-home .states-inner {
    max-width: 1240px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 28px;
    flex-wrap: wrap;
  }

  body.page-home .states-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--terracotta);
    text-transform: uppercase;
    letter-spacing: 0.22em;
    display: inline-flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
  }

  body.page-home .states-label::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-home .states-list {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-wrap: wrap;
    font-size: 13px;
    font-weight: 500;
    color: var(--ink);
  }

  body.page-home .states-list .sep { color: var(--terracotta); font-weight: 400; }


  body.page-home /* ============== SECTION COMMON ============== */
  .block { padding: 96px 32px; position: relative; }

  body.page-home .block.warm { background: var(--bg-warm); }

  body.page-home .block.dark { background: var(--teal-deep); color: #fff; }

  body.page-home .container { max-width: 1240px; margin: 0 auto; }


  body.page-home .section-head { max-width: 760px; margin-bottom: 56px; }

  body.page-home .section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

  body.page-home .section-head.center .eyebrow { justify-content: center; }

  body.page-home .section-head.center .eyebrow::before { display: none; }


  body.page-home .section-title {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(32px, 3.4vw, 44px);
    line-height: 1.1;
    letter-spacing: -0.02em;
    color: var(--ink);
    margin-bottom: 20px;
  }

  body.page-home .section-title em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-home .block.dark .section-title { color: #fff; }

  body.page-home .block.dark .section-title em { color: var(--terracotta-soft); }


  body.page-home .section-sub {
    font-size: 17px;
    line-height: 1.6;
    color: var(--ink-soft);
  }

  body.page-home .block.dark .section-sub { color: rgba(255,255,255,0.78); }

  body.page-home .block.dark .eyebrow { color: var(--terracotta-soft); }

  body.page-home .block.dark .eyebrow::before { background: var(--terracotta-soft); }


  body.page-home /* ============== START WITH SITUATION (§2) ============== */
  .situation-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 18px;
  }

  body.page-home .situation-grid .row-two {
    grid-template-columns: repeat(3, 1fr);
  }

  body.page-home .situation-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 28px 26px;
    display: flex;
    flex-direction: column;
    gap: 12px;
    transition: all 0.3s ease;
    cursor: pointer;
    text-decoration: none;
    color: inherit;
    position: relative;
  }

  body.page-home .situation-card:hover {
    border-color: var(--terracotta-soft);
    transform: translateY(-3px);
    box-shadow: 0 16px 32px -16px rgba(42, 37, 32, 0.2);
  }

  body.page-home .situation-icon {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--bg-warm);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--terracotta);
    margin-bottom: 4px;
  }

  body.page-home .situation-card:hover .situation-icon { background: var(--terracotta); color: #fff; }

  body.page-home .situation-icon svg { width: 18px; height: 18px; stroke-width: 1.8; }

  body.page-home .situation-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 18px;
    line-height: 1.25;
    color: var(--ink);
    letter-spacing: -0.005em;
  }

  body.page-home .situation-card p {
    font-size: 13.5px;
    line-height: 1.55;
    color: var(--ink-soft);
  }

  body.page-home .situation-card .arrow {
    margin-top: auto;
    padding-top: 6px;
    font-size: 12px;
    font-weight: 600;
    color: var(--terracotta);
    display: inline-flex;
    align-items: center;
    gap: 4px;
    opacity: 0;
    transform: translateX(-4px);
    transition: all 0.25s ease;
  }

  body.page-home .situation-card:hover .arrow { opacity: 1; transform: translateX(0); }

  body.page-home .situation-row {
    display: grid;
    gap: 18px;
  }

  body.page-home .situation-row.row-4 { grid-template-columns: repeat(4, 1fr); }

  body.page-home .situation-row.row-3 { grid-template-columns: repeat(3, 1fr); }

  body.page-home .situation-rows { display: flex; flex-direction: column; gap: 18px; }


  body.page-home /* ============== WHY DIFFERENT (§3) ============== */
  .why-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }

  body.page-home .why-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 40px 36px;
    transition: all 0.3s ease;
    position: relative;
  }

  body.page-home .why-card:hover {
    transform: translateY(-3px);
    border-color: var(--terracotta-soft);
    box-shadow: 0 18px 36px -18px rgba(42, 37, 32, 0.22);
  }

  body.page-home .why-num {
    font-family: 'Fraunces', serif;
    font-style: italic;
    font-size: 32px;
    color: var(--terracotta);
    font-weight: 400;
    margin-bottom: 16px;
    line-height: 1;
  }

  body.page-home .why-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 22px;
    line-height: 1.22;
    letter-spacing: -0.01em;
    margin-bottom: 14px;
    color: var(--ink);
  }

  body.page-home .why-card p { font-size: 15px; line-height: 1.6; color: var(--ink-soft); }

  body.page-home .why-card.featured { background: var(--teal-deep); color: #fff; border-color: var(--teal-deep); }

  body.page-home .why-card.featured h3 { color: #fff; }

  body.page-home .why-card.featured p { color: rgba(255,255,255,0.82); }

  body.page-home .why-card.featured .why-num { color: var(--terracotta-soft); }

  body.page-home .why-card.featured .why-flag {
    position: absolute;
    top: 22px;
    right: 22px;
    background: var(--terracotta);
    color: #fff;
    font-size: 9.5px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.16em;
    padding: 5px 10px;
    border-radius: 3px;
  }


  body.page-home /* ============== EDITORIAL PULL-QUOTE BAND ============== */
  .pullquote-band {
    background: var(--bg);
    padding: 80px 32px 88px;
    position: relative;
    overflow: hidden;
  }

  body.page-home .pullquote-band::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 600px;
    height: 600px;
    background: radial-gradient(circle, rgba(184, 92, 56, 0.06) 0%, transparent 65%);
    pointer-events: none;
  }

  body.page-home .editorial-quote {
    position: relative;
    max-width: 880px;
    margin: 0 auto;
    padding-left: 36px;
    border-left: 2px solid var(--terracotta);
  }

  body.page-home .editorial-quote .quote-glyph {
    position: absolute;
    top: -28px;
    left: 24px;
    font-family: 'Fraunces', serif;
    font-style: italic;
    font-size: 96px;
    line-height: 1;
    color: var(--terracotta);
    opacity: 0.32;
    pointer-events: none;
  }

  body.page-home .editorial-quote p {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(26px, 2.8vw, 36px);
    line-height: 1.25;
    letter-spacing: -0.018em;
    color: var(--ink);
    margin-bottom: 22px;
  }

  body.page-home .editorial-quote em {
    font-style: italic;
    color: var(--terracotta);
    font-weight: 500;
  }

  body.page-home .quote-attr {
    display: flex;
    align-items: center;
    gap: 14px;
    font-size: 12px;
    font-weight: 600;
    color: var(--ink-muted);
    text-transform: uppercase;
    letter-spacing: 0.18em;
  }

  body.page-home .quote-rule {
    display: inline-block;
    width: 32px;
    height: 1px;
    background: var(--terracotta);
  }


  body.page-home /* ============== RUSHED APPROVALS (§4) ============== */
  .compare-grid {
    display: grid;
    grid-template-columns: 1.15fr 1fr;
    gap: 24px;
    align-items: stretch;
  }

  body.page-home .compare-card {
    border-radius: 14px;
    padding: 44px 40px;
    transition: all 0.3s ease;
    position: relative;
    display: flex;
    flex-direction: column;
  }

  body.page-home .compare-card.win {
    background: var(--bg-card);
    border: 2px solid var(--terracotta);
    box-shadow: 0 20px 50px -20px rgba(184, 92, 56, 0.28);
  }

  body.page-home .compare-card.win::before {
    content: 'Recommended';
    position: absolute;
    top: -14px;
    left: 36px;
    background: var(--terracotta);
    color: #fff;
    font-size: 10px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.18em;
    padding: 6px 14px;
    border-radius: 3px;
  }

  body.page-home .compare-card.lose {
    background: var(--bg-warm);
    border: 1px solid var(--line);
    opacity: 0.85;
  }

  body.page-home .compare-card .compare-tag {
    font-size: 10.5px;
    font-weight: 600;
    color: var(--ink-muted);
    text-transform: uppercase;
    letter-spacing: 0.18em;
    margin-bottom: 16px;
  }

  body.page-home .compare-card.win .compare-tag { color: var(--terracotta); }

  body.page-home .compare-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 26px;
    line-height: 1.18;
    letter-spacing: -0.01em;
    color: var(--ink);
    margin-bottom: 16px;
  }

  body.page-home .compare-card p { font-size: 15.5px; line-height: 1.65; color: var(--ink-soft); }

  body.page-home .compare-card .compare-list {
    list-style: none;
    margin-top: 18px;
    display: flex;
    flex-direction: column;
    gap: 10px;
  }

  body.page-home .compare-card .compare-list li {
    display: flex;
    align-items: flex-start;
    gap: 10px;
    font-size: 14px;
    color: var(--ink-soft);
    line-height: 1.5;
  }

  body.page-home .compare-card .compare-list li svg { flex-shrink: 0; width: 18px; height: 18px; margin-top: 1px; }

  body.page-home .compare-card.win .compare-list li svg { color: var(--terracotta); }

  body.page-home .compare-card.lose .compare-list li svg { color: var(--ink-muted); }


  body.page-home /* ============== SIMPLE FIRST STEP (§5) — LIGHTWEIGHT CARDS ============== */
  .lite-cards {
    display: grid;
    grid-template-columns: 1fr 28px 1fr 28px 1fr;
    align-items: stretch;
    gap: 12px;
    margin: 32px 0 48px;
  }

  body.page-home .lite-card {
    background: transparent;
    padding: 24px 22px 26px;
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
  }

  body.page-home .lite-card:hover .lite-num {
    color: var(--terracotta-deep);
  }

  body.page-home .lite-num {
    font-family: 'Fraunces', serif;
    font-style: italic;
    font-size: 13px;
    font-weight: 500;
    color: var(--terracotta);
    margin-bottom: 14px;
    padding-bottom: 14px;
    border-bottom: 1px solid var(--line);
    letter-spacing: 0.08em;
    transition: border-color 0.3s ease;
  }

  body.page-home .lite-card:hover .lite-num { border-bottom-color: var(--terracotta); }

  body.page-home .lite-card h4 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 20px;
    line-height: 1.22;
    letter-spacing: -0.01em;
    margin-bottom: 12px;
    color: var(--ink);
  }

  body.page-home .lite-card p {
    font-size: 14.5px;
    line-height: 1.6;
    color: var(--ink-soft);
  }

  body.page-home .lite-arrow {
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--terracotta);
    opacity: 0.5;
  }

  body.page-home .lite-arrow svg { width: 22px; height: 22px; }


  body.page-home /* CTA row */
  .process-cta-row {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 14px;
    margin-top: 16px;
  }

  body.page-home .process-reassurance { font-size: 13px; color: var(--ink-muted); }


  @media (max-width: 1080px) {
body.page-home .lite-cards { grid-template-columns: 1fr; gap: 8px; }

    body.page-home .lite-arrow { transform: rotate(90deg); padding: 4px 0; }
}


  body.page-home /* ============== SERVICES (§6) — FEATURED + 2x2 ============== */
  .services-layout {
    display: grid;
    grid-template-columns: 1.1fr 2fr;
    gap: 22px;
    align-items: stretch;
  }

  body.page-home .services-grid-2x2 {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 22px;
  }

  body.page-home .service-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 30px 28px;
    display: flex;
    flex-direction: column;
    gap: 14px;
    text-decoration: none;
    color: inherit;
    transition: all 0.3s ease;
  }

  body.page-home .service-card:hover {
    transform: translateY(-3px);
    border-color: var(--terracotta-soft);
    box-shadow: 0 18px 36px -18px rgba(42, 37, 32, 0.22);
  }

  body.page-home .service-card .service-icon {
    width: 40px;
    height: 40px;
    border-radius: 8px;
    background: var(--bg-warm);
    color: var(--terracotta);
    display: flex;
    align-items: center;
    justify-content: center;
  }

  body.page-home .service-card .service-icon svg { width: 20px; height: 20px; stroke-width: 1.8; }

  body.page-home .service-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 21px;
    line-height: 1.2;
    color: var(--ink);
    letter-spacing: -0.01em;
  }

  body.page-home .service-card p {
    font-size: 14.5px;
    line-height: 1.6;
    color: var(--ink-soft);
  }

  body.page-home .service-card .link {
    margin-top: auto;
    padding-top: 12px;
    font-size: 13px;
    font-weight: 600;
    color: var(--terracotta);
    display: inline-flex;
    align-items: center;
    gap: 6px;
  }

  body.page-home .service-card:hover .link svg { transform: translateX(3px); }

  body.page-home .service-card .link svg { width: 14px; height: 14px; transition: transform 0.2s; }


  body.page-home /* Featured card — same style as others,
body.page-home just larger + with bullets + tag */
  .service-card.featured {
    padding: 44px 38px;
    gap: 18px;
  }

  body.page-home .service-card.featured .service-icon {
    width: 48px;
    height: 48px;
  }

  body.page-home .service-card.featured .service-icon svg { width: 24px; height: 24px; }

  body.page-home .service-card.featured .featured-flag {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    font-size: 10px;
    font-weight: 700;
    text-transform: uppercase;
    letter-spacing: 0.18em;
    color: var(--terracotta);
    margin-bottom: 4px;
  }

  body.page-home .service-card.featured .featured-flag::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-home .service-card.featured h3 {
    font-size: 28px;
    line-height: 1.18;
  }

  body.page-home .service-card.featured p {
    font-size: 15.5px;
  }

  body.page-home .service-card.featured .featured-list {
    list-style: none;
    display: flex;
    flex-direction: column;
    gap: 9px;
    padding: 14px 0 6px;
    margin-top: 4px;
    border-top: 1px solid var(--line);
  }

  body.page-home .service-card.featured .featured-list li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: 13.5px;
    color: var(--ink-soft);
    line-height: 1.5;
  }

  body.page-home .service-card.featured .featured-list li svg {
    flex-shrink: 0;
    width: 18px;
    height: 18px;
    margin-top: 1px;
    color: var(--terracotta);
  }

  body.page-home .service-card.featured .link {
    font-size: 14px;
  }


  @media (max-width: 1080px) {
body.page-home .services-layout { grid-template-columns: 1fr; gap: 22px; }

    body.page-home .services-grid-2x2 { grid-template-columns: repeat(2, 1fr); }

    body.page-home .service-card.featured { padding: 36px 30px; }

    body.page-home .service-card.featured h3 { font-size: 24px; }
}

  @media (max-width: 720px) {
body.page-home .services-grid-2x2 { grid-template-columns: 1fr; }
}


  body.page-home /* ============== TESTIMONIALS / TRUST (§7 — DARK) ============== */
  .trust-metrics {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin: 48px 0 56px;
    padding: 32px 0;
    border-top: 1px solid rgba(255,255,255,0.12);
    border-bottom: 1px solid rgba(255,255,255,0.12);
  }

  body.page-home .trust-metric { text-align: center; }

  body.page-home .trust-metric .num {
    font-family: 'Fraunces', serif;
    font-size: 48px;
    font-weight: 500;
    color: var(--terracotta-soft);
    line-height: 1;
    letter-spacing: -0.02em;
    margin-bottom: 6px;
  }

  body.page-home .trust-metric .label {
    font-size: 11px;
    font-weight: 600;
    color: rgba(255,255,255,0.72);
    text-transform: uppercase;
    letter-spacing: 0.18em;
  }


  body.page-home .testimonial-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 16px;
  }

  body.page-home .testimonial-card {
    background: rgba(255,255,255,0.04);
    border: 1px solid rgba(255,255,255,0.1);
    border-radius: 12px;
    padding: 36px 30px;
    position: relative;
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
  }

  body.page-home .testimonial-card blockquote { flex: 0 0 auto; }

  body.page-home .testimonial-card .testimonial-attrib { margin-top: auto; }

  body.page-home .testimonial-card:hover {
    background: rgba(255,255,255,0.07);
    transform: translateY(-3px);
  }

  body.page-home .testimonial-mark {
    font-family: 'Fraunces', serif;
    font-size: 64px;
    line-height: 0.5;
    color: var(--terracotta);
    font-style: italic;
    position: absolute;
    top: 28px;
    left: 30px;
    opacity: 0.6;
  }

  body.page-home .testimonial-tag {
    display: inline-block;
    background: rgba(216, 133, 98, 0.16);
    color: var(--terracotta-soft);
    font-size: 10px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    padding: 4px 10px;
    border-radius: 3px;
    margin-bottom: 18px;
    margin-top: 18px;
    position: relative;
    z-index: 1;
  }

  body.page-home .testimonial-card blockquote {
    font-family: 'Fraunces', serif;
    font-style: italic;
    font-weight: 400;
    font-size: 16px;
    line-height: 1.55;
    color: rgba(255,255,255,0.92);
    margin-bottom: 24px;
  }

  body.page-home .testimonial-attrib {
    display: flex;
    align-items: center;
    gap: 12px;
    padding-top: 18px;
    border-top: 1px solid rgba(255,255,255,0.1);
  }

  body.page-home .testimonial-avatar {
    width: 36px;
    height: 36px;
    border-radius: 50%;
    background: var(--terracotta);
    color: #fff;
    display: flex;
    align-items: center;
    justify-content: center;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 15px;
  }

  body.page-home .testimonial-name {
    font-size: 14px;
    font-weight: 600;
    color: #fff;
  }

  body.page-home .testimonial-context {
    font-size: 11.5px;
    color: rgba(255,255,255,0.65);
    font-style: italic;
  }

  body.page-home .testimonials-foot {
    margin-top: 36px;
    text-align: center;
  }

  body.page-home .testimonials-foot a {
    color: var(--terracotta-soft);
    text-decoration: none;
    font-weight: 600;
    font-size: 14px;
    border-bottom: 1px solid var(--terracotta-soft);
    padding-bottom: 3px;
  }

  body.page-home .testimonials-foot a:hover { color: #fff; border-color: #fff; }


  body.page-home /* ============== MONEY SMART (§8 — MERGED: Calculator + Articles) ============== */
  .money-smart-layout {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 32px;
    align-items: stretch;
  }

  body.page-home .money-smart-layout > * { min-height: 100%; }


  body.page-home /* LEFT: Calculator */
  .ms-calculator {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 36px 36px 32px;
    display: flex;
    flex-direction: column;
    gap: 22px;
  }

  body.page-home .ms-calc-head { display: flex; flex-direction: column; gap: 4px; }

  body.page-home .ms-calc-eyebrow {
    font-size: 11px;
    font-weight: 600;
    color: var(--terracotta);
    text-transform: uppercase;
    letter-spacing: 0.2em;
  }

  body.page-home .ms-calc-subtitle {
    font-size: 13.5px;
    color: var(--ink-soft);
    line-height: 1.5;
  }

  body.page-home .calc-output-simple {
    background: var(--bg-warm);
    border-radius: 10px;
    padding: 22px 24px;
    display: flex;
    flex-direction: column;
    gap: 6px;
    margin-top: 4px;
  }

  body.page-home .calc-out-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--terracotta);
    text-transform: uppercase;
    letter-spacing: 0.18em;
  }

  body.page-home .calc-out-big {
    font-family: 'Fraunces', serif;
    font-size: 46px;
    font-weight: 500;
    line-height: 1;
    letter-spacing: -0.025em;
    color: var(--teal-deep);
    display: flex;
    align-items: baseline;
    gap: 6px;
  }

  body.page-home .calc-out-big .per {
    font-size: 15px;
    color: var(--ink-muted);
    font-weight: 400;
    letter-spacing: 0;
    font-family: 'Manrope', sans-serif;
  }

  body.page-home .calc-foot-simple {
    display: flex;
    flex-direction: column;
    gap: 14px;
    margin-top: auto;
    padding-top: 8px;
    border-top: 1px solid var(--line);
  }

  body.page-home .calc-disclaimer-simple {
    font-size: 11.5px;
    color: var(--ink-muted);
    line-height: 1.5;
    padding-top: 14px;
  }

  body.page-home .calc-full-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 600;
    color: var(--terracotta);
    text-decoration: none;
    border-bottom: 1px solid var(--terracotta);
    padding-bottom: 3px;
    align-self: flex-start;
  }

  body.page-home .calc-full-link svg { width: 14px; height: 14px; transition: transform 0.2s; }

  body.page-home .calc-full-link:hover svg { transform: translateX(3px); }


  body.page-home /* RIGHT: Article cards — match service-card visual style,
body.page-home fill vertical space */
  .ms-articles {
    display: flex;
    flex-direction: column;
    gap: 16px;
    height: 100%;
  }

  body.page-home .ms-article {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 28px 28px;
    transition: all 0.3s ease;
    text-decoration: none;
    color: inherit;
    display: flex;
    flex-direction: column;
    gap: 10px;
    flex: 1;
  }

  body.page-home .ms-article p { flex: 1; }

  body.page-home .ms-article .ms-art-link { margin-top: auto; }

  body.page-home .ms-article:hover {
    transform: translateY(-3px);
    border-color: var(--terracotta-soft);
    box-shadow: 0 16px 32px -16px rgba(42, 37, 32, 0.18);
  }

  body.page-home .ms-article:hover .ms-art-link svg { transform: translateX(3px); }

  body.page-home .ms-art-q {
    font-family: 'Fraunces', serif;
    font-style: italic;
    font-size: 13px;
    color: var(--terracotta);
    letter-spacing: 0.01em;
  }

  body.page-home .ms-article h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 20px;
    line-height: 1.22;
    color: var(--ink);
    letter-spacing: -0.01em;
  }

  body.page-home .ms-article p {
    font-size: 14px;
    line-height: 1.55;
    color: var(--ink-soft);
  }

  body.page-home .ms-art-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    font-size: 13px;
    font-weight: 600;
    color: var(--terracotta);
    margin-top: 6px;
  }

  body.page-home .ms-art-link svg { width: 14px; height: 14px; transition: transform 0.2s; }


  @media (max-width: 1080px) {
body.page-home .money-smart-layout { grid-template-columns: 1fr; gap: 28px; }

    body.page-home .ms-calculator { padding: 30px 28px; }
}


body.page-home /* ============== ABOUT ART (§10) ============== */
  .about-grid {
    display: grid;
    grid-template-columns: 0.85fr 1.15fr;
    gap: 64px;
    align-items: center;
  }


  body.page-home /* ============== CALCULATOR INPUT STYLES (used in §8 merged section) ============== */
  .calc-inputs {
    display: flex;
    flex-direction: column;
    gap: 18px;
  }

  body.page-home .calc-inputs-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 18px;
  }

  body.page-home .calc-row {
    display: flex;
    flex-direction: column;
    gap: 6px;
  }

  body.page-home .calc-row label {
    font-size: 11px;
    font-weight: 600;
    color: var(--ink-muted);
    text-transform: uppercase;
    letter-spacing: 0.14em;
  }

  body.page-home .calc-row .input-line {
    display: flex;
    align-items: center;
    gap: 10px;
    background: var(--bg);
    border: 1px solid var(--line);
    border-radius: 8px;
    padding: 10px 14px;
    transition: border-color 0.2s ease, box-shadow 0.2s ease;
  }

  body.page-home .calc-row .input-line:focus-within {
    border-color: var(--terracotta);
    box-shadow: 0 0 0 3px rgba(184, 92, 56, 0.12);
  }

  body.page-home .calc-row input[type="number"],
body.page-home .calc-row select {
    flex: 1;
    width: 100%;
    min-width: 0;
    border: none;
    outline: none;
    background: transparent;
    font-family: 'Fraunces', serif;
    font-size: 20px;
    color: var(--ink);
    font-weight: 500;
    padding: 0;
    -moz-appearance: textfield;
    appearance: textfield;
    letter-spacing: -0.005em;
  }

  body.page-home .calc-row select {
    cursor: pointer;
    appearance: none;
    -webkit-appearance: none;
    background-image: url("data:image/svg+xml;charset=UTF-8,%3csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238A8278' stroke-width='2'%3e%3cpolyline points='6 9 12 15 18 9'/%3e%3c/svg%3e");
    background-repeat: no-repeat;
    background-position: right 4px center;
    background-size: 16px;
    padding-right: 22px;
  }

  body.page-home .calc-row input::-webkit-outer-spin-button,
body.page-home .calc-row input::-webkit-inner-spin-button {
    -webkit-appearance: none;
    margin: 0;
  }

  body.page-home .calc-row .prefix {
    font-family: 'Fraunces', serif;
    font-size: 20px;
    color: var(--ink-muted);
    font-weight: 400;
    flex-shrink: 0;
  }

  body.page-home .calc-row .suffix {
    font-size: 11px;
    color: var(--ink-muted);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.1em;
    flex-shrink: 0;
  }


  body.page-home .about-portrait {
    position: relative;
    width: 100%;
    max-width: 380px;
    aspect-ratio: 4/5;
    border-radius: 12px;
    overflow: hidden;
    box-shadow: 0 24px 50px -24px rgba(42, 37, 32, 0.3);
  }

  body.page-home .about-portrait img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center top;
  }

  body.page-home .about-portrait::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 0%, transparent 70%, rgba(42,37,32,0.4) 100%);
  }

  body.page-home .about-portrait .stamp {
    position: absolute;
    bottom: 18px;
    left: 18px;
    color: #fff;
    font-family: 'Fraunces', serif;
    font-style: italic;
    font-size: 14px;
    z-index: 2;
  }

  body.page-home .about-cards {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 16px;
    margin: 28px 0 24px;
  }

  body.page-home .about-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 10px;
    padding: 22px 22px;
  }

  body.page-home .about-card h4 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 17px;
    color: var(--ink);
    margin-bottom: 8px;
    letter-spacing: -0.005em;
  }

  body.page-home .about-card p {
    font-size: 13.5px;
    line-height: 1.55;
    color: var(--ink-soft);
  }

  body.page-home .about-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 14px;
    font-weight: 600;
    color: var(--terracotta);
    text-decoration: none;
    border-bottom: 1px solid var(--terracotta);
    padding-bottom: 3px;
  }

  body.page-home .about-link svg { width: 14px; height: 14px; transition: transform 0.2s; }

  body.page-home .about-link:hover svg { transform: translateX(3px); }


  body.page-home /* ============== FAQ (§11) ============== */
  .faq-grid {
    display: grid;
    grid-template-columns: 0.85fr 1.15fr;
    gap: 64px;
    align-items: start;
  }

  body.page-home .faq-side .eyebrow { margin-bottom: 22px; }

  body.page-home .faq-side .faq-link {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--terracotta);
    font-weight: 600;
    text-decoration: none;
    margin-top: 16px;
    font-size: 14px;
    border-bottom: 1px solid var(--terracotta);
    padding-bottom: 3px;
  }

  body.page-home .faq-list { display: flex; flex-direction: column; gap: 12px; }

  body.page-home details.faq-item {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 10px;
    padding: 0;
    transition: border-color 0.3s ease;
  }

  body.page-home details.faq-item[open] { border-color: var(--terracotta-soft); }

  body.page-home details.faq-item summary {
    list-style: none;
    cursor: pointer;
    padding: 22px 26px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 16px;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 18px;
    color: var(--ink);
    letter-spacing: -0.005em;
  }

  body.page-home details.faq-item summary::-webkit-details-marker { display: none; }

  body.page-home details.faq-item summary::after {
    content: '+';
    flex-shrink: 0;
    width: 28px;
    height: 28px;
    border-radius: 50%;
    background: var(--bg-warm);
    color: var(--terracotta);
    display: flex;
    align-items: center;
    justify-content: center;
    font-size: 20px;
    font-weight: 400;
    transition: all 0.25s ease;
  }

  body.page-home details.faq-item[open] summary::after { content: '−'; background: var(--terracotta); color: #fff; }

  body.page-home details.faq-item .answer {
    padding: 0 26px 24px;
    font-size: 15px;
    line-height: 1.65;
    color: var(--ink-soft);
  }


  body.page-home /* ============== FINAL CTA (§12) ============== */
  .final-cta {
    background: var(--teal-deep);
    color: #fff;
    text-align: center;
    padding: 96px 32px;
    position: relative;
    overflow: hidden;
  }

  body.page-home .final-cta::before {
    content: '';
    position: absolute;
    top: -150px;
    left: 50%;
    transform: translateX(-50%);
    width: 700px;
    height: 700px;
    background: radial-gradient(circle, rgba(184, 92, 56, 0.12) 0%, transparent 60%);
    pointer-events: none;
  }

  body.page-home .final-cta .container { position: relative; z-index: 1; max-width: 760px; }

  body.page-home .final-cta .eyebrow { justify-content: center; color: var(--terracotta-soft); }

  body.page-home .final-cta .eyebrow::before { display: none; }

  body.page-home .final-cta h2 {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(36px, 4vw, 52px);
    line-height: 1.1;
    letter-spacing: -0.022em;
    color: #fff;
    margin: 18px 0 22px;
  }

  body.page-home .final-cta h2 em { font-style: italic; color: var(--terracotta-soft); }

  body.page-home .final-cta p {
    font-size: 17px;
    line-height: 1.6;
    color: rgba(255,255,255,0.85);
    margin-bottom: 36px;
  }

  body.page-home .final-cta .cta-row {
    display: flex;
    gap: 16px;
    justify-content: center;
    align-items: center;
    margin-bottom: 16px;
  }

  body.page-home .btn-primary-light {
    background: #fff;
    color: var(--teal-deep);
  }

  body.page-home .btn-primary-light:hover { background: var(--bg-warm); transform: translateY(-1px); }

  body.page-home .btn-secondary-light {
    background: transparent;
    color: #fff;
    border: 1.5px solid rgba(255,255,255,0.4);
  }

  body.page-home .btn-secondary-light:hover { border-color: #fff; background: rgba(255,255,255,0.06); }

  body.page-home .btn-quiet-light {
    background: transparent;
    color: rgba(255,255,255,0.7);
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-color: rgba(255,255,255,0.25);
    padding: 11px 0;
  }

  body.page-home .btn-quiet-light:hover { color: var(--terracotta-soft); text-decoration-color: var(--terracotta-soft); }

  body.page-home .final-reassurance { font-size: 13px; color: rgba(255,255,255,0.55); }


  body.page-home /* ============== FOOTER ============== */
  footer.site-footer {
    background: var(--teal-deep);
    color: rgba(255,255,255,0.78);
    padding: 72px 32px 28px;
    border-top: 1px solid rgba(255,255,255,0.06);
  }

  body.page-home .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-home .footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
    gap: 48px;
    margin-bottom: 56px;
  }

  body.page-home .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-home .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-home .footer-tagline {
    font-size: 14px;
    line-height: 1.6;
    color: rgba(255,255,255,0.65);
    margin: 14px 0 18px;
    max-width: 280px;
  }

  body.page-home .footer-credentials {
    font-size: 11.5px;
    color: rgba(255,255,255,0.5);
    line-height: 1.6;
    margin-bottom: 22px;
  }

  body.page-home .footer-socials { display: flex; gap: 12px; }

  body.page-home .footer-socials a {
    width: 34px;
    height: 34px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.15);
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.7);
    transition: all 0.25s ease;
  }

  body.page-home .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-home .footer-socials svg { width: 14px; height: 14px; }


  body.page-home .footer-col h5 {
    color: #fff;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 15px;
    margin-bottom: 18px;
    letter-spacing: -0.005em;
  }

  body.page-home .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-home .footer-col ul a {
    color: rgba(255,255,255,0.65);
    text-decoration: none;
    font-size: 13.5px;
    transition: color 0.2s;
  }

  body.page-home .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-home .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-home .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }


  body.page-home .footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 28px;
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: 18px;
    font-size: 12px;
    color: rgba(255,255,255,0.45);
  }

  body.page-home .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-home .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-home .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-home .ehl-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 11px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
  }

  body.page-home .ehl-icon {
    width: 22px; height: 22px;
    border: 1px solid rgba(255,255,255,0.5);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 11px; font-weight: 700;
  }


  body.page-home /* ============== STICKY MOBILE CTA ============== */
  .sticky-mobile-cta {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 50;
    background: var(--teal-deep);
    padding: 12px 16px;
    box-shadow: 0 -8px 24px rgba(0,0,0,0.18);
  }

  body.page-home .sticky-mobile-cta .btn { width: 100%; }


  body.page-home /* ============== RESPONSIVE ============== */
  @media (max-width: 1080px) {
    .hero-grid { grid-template-columns: 1fr; gap: 56px; }
    .hero-pullquote { right: 12px; bottom: 30px; max-width: 240px; }
    .why-grid, .testimonial-grid, .smart-grid { grid-template-columns: repeat(2, 1fr); }
    .situation-row.row-4, .situation-row.row-3 { grid-template-columns: repeat(2, 1fr); }
    .compare-grid { grid-template-columns: 1fr; }
    
    .about-grid { grid-template-columns: 1fr; gap: 40px; }
    .about-portrait { max-width: 320px; margin: 0 auto; }
    .faq-grid { grid-template-columns: 1fr; gap: 32px; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  }

  @media (max-width: 720px) {
body.page-home .block { padding: 64px 20px; }

    body.page-home .hero { padding: 32px 20px 40px; }

    body.page-home nav.main-nav,
body.page-home .header-ctas .btn-secondary,
body.page-home .header-ctas .btn-primary { display: none; }

    body.page-home .header-ctas .btn-mobile-cta { display: inline-flex; }

    body.page-home .why-grid,
body.page-home .testimonial-grid,
body.page-home .smart-grid,
body.page-home .situation-row.row-4,
body.page-home .situation-row.row-3,
body.page-home .about-cards,
body.page-home .footer-grid,
body.page-home .calc-inputs-grid,
body.page-home .trust-strip { grid-template-columns: 1fr; }

    body.page-home .trust-strip { gap: 18px; }

    body.page-home .trust-metrics { grid-template-columns: 1fr 1fr; }

    body.page-home .hero-ctas { flex-direction: column; align-items: stretch; gap: 12px; }

    body.page-home .hero-ctas .btn { width: 100%; }

    body.page-home .compare-card { padding: 32px 24px; }

    
    body.page-home .sticky-mobile-cta { display: block; }

    body.page-home { padding-bottom: 76px; }

    body.page-home .final-cta .cta-row { flex-direction: column; align-items: stretch; }

    body.page-home .footer-bottom { flex-direction: column; align-items: flex-start; }
}


  @media (prefers-reduced-motion: reduce) {
body.page-home *,
body.page-home *::before,
body.page-home *::after {
      animation-duration: 0.01ms !important;
      transition-duration: 0.01ms !important;
    }
}


/* ===== Source: about-final.html (body.page-about) ===== */
body.page-about {
    --bg: #F8F4ED;
    --bg-card: #FFFFFF;
    --bg-warm: #F1EBDF;
    --bg-deep: #EAE0CC;
    --ink: #2A2520;
    --ink-soft: #5A524A;
    --ink-muted: #8A8278;
    --teal: #1B3A4B;
    --teal-deep: #122833;
    --teal-soft: #3A6478;
    --terracotta: #B85C38;
    --terracotta-soft: #D88562;
    --terracotta-deep: #8a4226;
    --line: #E5DCC9;
    --line-soft: #EFE7D6;
  }


  body.page-about * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }


  body.page-about {
    font-family: 'Manrope', sans-serif;
    background: var(--bg);
    color: var(--ink);
    line-height: 1.6;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
  }


  body.page-about /* ============== TOP UTILITY BAR ============== */
  .utility-bar {
    background: var(--teal-deep);
    color: rgba(255,255,255,0.78);
    font-size: 11.5px;
    font-weight: 500;
    letter-spacing: 0.02em;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    padding: 0 32px;
  }

  body.page-about .utility-inner {
    max-width: 1240px;
    margin: 0 auto;
    padding: 7px 0;
    display: flex;
    align-items: center;
    gap: 24px;
  }

  body.page-about .utility-rates {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-wrap: wrap;
  }

  body.page-about .utility-rates .rate-label {
    color: rgba(255,255,255,0.55);
    text-transform: uppercase;
    letter-spacing: 0.16em;
    font-size: 10px;
    font-weight: 600;
  }

  body.page-about .utility-rates .rate-pair { display: inline-flex; align-items: baseline; gap: 6px; }

  body.page-about .utility-rates .rate-term {
    color: rgba(255,255,255,0.6);
    font-size: 10.5px;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    font-weight: 600;
  }

  body.page-about .utility-rates .rate-val {
    color: #fff;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 13.5px;
    letter-spacing: -0.005em;
  }

  body.page-about .utility-rates .rate-sep { color: rgba(255,255,255,0.25); }

  body.page-about .utility-rates a.rate-source {
    color: rgba(255,255,255,0.55);
    text-decoration: none;
    font-size: 10.5px;
    letter-spacing: 0.04em;
    transition: color 0.2s;
  }

  body.page-about .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }


  body.page-about /* ============== HEADER ============== */
  .site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(248, 244, 237, 0.92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--line-soft);
    padding: 0 32px;
  }

  body.page-about .header-inner {
    max-width: 1240px;
    margin: 0 auto;
    padding: 18px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
  }

  body.page-about .logo {
    display: flex;
    align-items: baseline;
    gap: 12px;
    text-decoration: none;
    color: var(--ink);
  }

  body.page-about .logo-mark {
    font-family: 'Fraunces', serif;
    font-size: 24px;
    font-weight: 500;
    letter-spacing: -0.02em;
    color: var(--teal-deep);
    line-height: 1;
  }

  body.page-about .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }


  body.page-about nav.main-nav { display: flex; gap: 30px; }

  body.page-about nav.main-nav a {
    color: var(--ink-soft);
    text-decoration: none;
    font-size: 14px;
    font-weight: 500;
    position: relative;
    padding: 4px 0;
    transition: color 0.2s;
  }

  body.page-about nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-about nav.main-nav a.active { color: var(--teal-deep); }

  body.page-about nav.main-nav a.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-about nav.main-nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 1px;
    background: var(--terracotta);
    transition: width 0.3s ease;
  }

  body.page-about nav.main-nav a:hover::after { width: 100%; }

  body.page-about nav.main-nav a.has-dropdown::before {
    content: '⌄';
    position: absolute;
    right: -12px;
    top: 2px;
    font-size: 10px;
    color: var(--ink-muted);
  }


  body.page-about .header-ctas { display: flex; gap: 12px; align-items: center; }

  body.page-about .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 11px 20px;
    border: none;
    border-radius: 8px;
    font-family: inherit;
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    text-decoration: none;
    transition: all 0.18s ease;
    line-height: 1;
    white-space: nowrap;
  }

  body.page-about .btn-primary {
    background: var(--teal-deep);
    color: #fff;
  }

  body.page-about .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-about .btn-quiet {
    background: transparent;
    color: var(--ink-soft);
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-color: var(--line);
    padding: 11px 0;
  }

  body.page-about .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-about .btn-lg { padding: 15px 26px; font-size: 14px; }

  body.page-about .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-about .btn-arrow:hover svg { transform: translateX(3px); }


  body.page-about .btn-primary-light { background: #fff; color: var(--teal-deep); }

  body.page-about .btn-primary-light:hover { background: var(--bg-warm); transform: translateY(-1px); }

  body.page-about .btn-quiet-light {
    background: transparent;
    color: rgba(255,255,255,0.7);
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-color: rgba(255,255,255,0.25);
    padding: 11px 0;
  }

  body.page-about .btn-quiet-light:hover { color: var(--terracotta-soft); text-decoration-color: var(--terracotta-soft); }


  body.page-about /* ============== HERO (Option B - Editorial 50/50 with rounded portrait) ============== */
  .about-hero-wrap {
    background: var(--bg-warm);
    position: relative;
    overflow: hidden;
    padding: 72px 32px;
  }

  body.page-about .about-hero-inner {
    max-width: 1240px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 56px;
    align-items: center;
  }

  body.page-about .hero-portrait {
    position: relative;
    overflow: hidden;
    background: var(--teal-deep);
    border-radius: 14px;
    aspect-ratio: 4 / 5;
    box-shadow:
      0 30px 60px -20px rgba(18, 40, 51, 0.35),
      0 8px 24px -8px rgba(18, 40, 51, 0.18);
  }

  body.page-about .hero-portrait img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    object-position: center 25%;
    display: block;
  }

  body.page-about .hero-portrait::after {
    content: '';
    position: absolute;
    inset: 0;
    background: linear-gradient(180deg, transparent 0%, transparent 55%, rgba(18, 40, 51, 0.85) 100%);
    pointer-events: none;
  }

  body.page-about .hero-caption {
    position: absolute;
    bottom: 28px;
    left: 28px;
    color: #fff;
    z-index: 2;
  }

  body.page-about .hero-caption .name {
    font-family: 'Fraunces', serif;
    font-size: 24px;
    font-weight: 500;
    margin-bottom: 6px;
    letter-spacing: -0.005em;
  }

  body.page-about .hero-caption .role {
    font-size: 11px;
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.18em;
    color: rgba(255,255,255,0.82);
  }


  body.page-about /* Optional video play button — bottom-right */
  .hero-play {
    position: absolute;
    bottom: 24px;
    right: 24px;
    width: 56px;
    height: 56px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.12);
    backdrop-filter: blur(6px);
    display: flex;
    align-items: center;
    justify-content: center;
    cursor: pointer;
    transition: all 0.28s ease;
    z-index: 3;
    border: 1px solid rgba(255,255,255,0.25);
    opacity: 0.7;
  }

  body.page-about .hero-portrait:hover .hero-play {
    opacity: 1;
    background: rgba(255,255,255,0.95);
    border-color: rgba(255,255,255,0.95);
    transform: scale(1.06);
    box-shadow: 0 10px 24px rgba(0,0,0,0.3);
  }

  body.page-about .hero-portrait:hover .hero-play svg { color: var(--teal-deep); }

  body.page-about .hero-play svg {
    width: 18px;
    height: 18px;
    color: #fff;
    margin-left: 2px;
    transition: color 0.28s ease;
  }

  body.page-about .hero-play-label {
    position: absolute;
    right: 88px;
    top: 50%;
    transform: translateY(-50%);
    font-size: 10px;
    font-weight: 600;
    color: rgba(255,255,255,0.85);
    text-transform: uppercase;
    letter-spacing: 0.18em;
    white-space: nowrap;
    opacity: 0;
    transition: opacity 0.25s ease;
  }

  body.page-about .hero-portrait:hover .hero-play-label { opacity: 1; }


  body.page-about .hero-content {
    padding: 0;
    display: flex;
    flex-direction: column;
    justify-content: center;
    max-width: 620px;
  }

  body.page-about .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--terracotta);
    margin-bottom: 22px;
  }

  body.page-about .eyebrow::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--terracotta);
  }


  body.page-about .hero-headline {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(36px, 3.8vw, 52px);
    line-height: 1.05;
    letter-spacing: -0.022em;
    color: var(--ink);
    margin-bottom: 22px;
  }

  body.page-about .hero-headline em {
    font-style: italic;
    color: var(--terracotta);
    font-weight: 400;
  }

  body.page-about .hero-supporting {
    font-size: 17px;
    line-height: 1.65;
    color: var(--ink-soft);
    margin-bottom: 30px;
  }

  body.page-about .hero-ctas {
    display: flex;
    gap: 16px;
    align-items: center;
    margin-bottom: 14px;
  }

  body.page-about .hero-reassurance {
    font-size: 12.5px;
    color: var(--ink-muted);
    margin-bottom: 36px;
  }

  body.page-about .trust-strip {
    padding-top: 24px;
    border-top: 1px solid var(--line);
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 18px 24px;
  }

  body.page-about .trust-num {
    font-family: 'Fraunces', serif;
    font-size: 26px;
    font-weight: 500;
    color: var(--teal-deep);
    line-height: 1.05;
    letter-spacing: -0.01em;
    margin-bottom: 4px;
  }

  body.page-about .trust-num.sm { font-size: 15px; line-height: 1.3; padding-top: 4px; }

  body.page-about .trust-label {
    font-size: 10px;
    font-weight: 600;
    color: var(--ink-muted);
    text-transform: uppercase;
    letter-spacing: 0.12em;
    line-height: 1.3;
  }


  body.page-about /* ============== HERO STATES BLOCK (inset, in hero column) ============== */
  .hero-states {
    margin-top: 24px;
    padding-top: 22px;
    border-top: 1px solid var(--line);
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 14px;
  }

  body.page-about .hero-states-label {
    font-size: 10px;
    font-weight: 600;
    color: var(--terracotta);
    text-transform: uppercase;
    letter-spacing: 0.22em;
    display: inline-flex;
    align-items: center;
    gap: 10px;
    flex-shrink: 0;
  }

  body.page-about .hero-states-label::before {
    content: '';
    width: 18px;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-about .hero-states-list {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 8px 10px;
    font-size: 12px;
    font-weight: 500;
    color: var(--ink);
  }

  body.page-about .hero-states-list .sep { color: var(--terracotta); font-weight: 400; }


    body.page-about /* ============== STATES RIBBON ============== */
  .states-ribbon {
    background: var(--bg-deep);
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
    padding: 16px 32px;
  }

  body.page-about .states-inner {
    max-width: 1240px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 28px;
    flex-wrap: wrap;
  }

  body.page-about .states-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--terracotta);
    text-transform: uppercase;
    letter-spacing: 0.22em;
    display: inline-flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
  }

  body.page-about .states-label::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-about .states-list {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-wrap: wrap;
    font-size: 13px;
    font-weight: 500;
    color: var(--ink);
  }

  body.page-about .states-list .sep { color: var(--terracotta); font-weight: 400; }


  body.page-about /* ============== SECTION COMMON ============== */
  .block { padding: 96px 32px; position: relative; }

  body.page-about .block.warm { background: var(--bg-warm); }

  body.page-about .block.dark { background: var(--teal-deep); color: #fff; }

  body.page-about .container { max-width: 1240px; margin: 0 auto; }


  body.page-about .section-head { max-width: 760px; margin-bottom: 56px; }

  body.page-about .section-title {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(32px, 3.4vw, 44px);
    line-height: 1.1;
    letter-spacing: -0.02em;
    color: var(--ink);
    margin-bottom: 20px;
  }

  body.page-about .section-title em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-about .section-sub {
    font-size: 17px;
    line-height: 1.6;
    color: var(--ink-soft);
  }


  body.page-about /* ============== §2 MY STORY (Option C — Side-rule timeline) ============== */
  .story-container { max-width: 820px; margin: 0 auto; }

  body.page-about .story-block {
    border-left: 2px solid var(--terracotta);
    padding-left: 36px;
    margin-bottom: 56px;
    position: relative;
  }

  body.page-about .story-block:last-child { margin-bottom: 0; }

  body.page-about .story-block::before {
    content: '';
    position: absolute;
    left: -7px;
    top: 12px;
    width: 12px;
    height: 12px;
    border-radius: 50%;
    background: var(--terracotta);
    box-shadow: 0 0 0 4px var(--bg);
  }

  body.page-about .story-block .year-tag {
    font-size: 10.5px;
    font-weight: 700;
    color: var(--terracotta);
    text-transform: uppercase;
    letter-spacing: 0.2em;
    margin-bottom: 12px;
    display: block;
  }

  body.page-about .story-block h3 {
    font-family: 'Fraunces', serif;
    font-style: italic;
    font-weight: 500;
    font-size: 26px;
    line-height: 1.22;
    color: var(--ink);
    margin-bottom: 22px;
    letter-spacing: -0.005em;
  }

  body.page-about .story-block p {
    font-size: 17px;
    line-height: 1.7;
    color: var(--ink);
    margin-bottom: 18px;
  }

  body.page-about .story-block p:last-child { margin-bottom: 0; }


  body.page-about /* ============== §3 HOW I WORK (2x2 cards) ============== */
  .how-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
  }

  body.page-about .how-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 36px 32px;
    transition: all 0.3s ease;
    position: relative;
  }

  body.page-about .how-card:hover {
    transform: translateY(-3px);
    border-color: var(--terracotta-soft);
    box-shadow: 0 18px 36px -18px rgba(42, 37, 32, 0.22);
  }

  body.page-about .how-num {
    font-family: 'Fraunces', serif;
    font-style: italic;
    font-size: 28px;
    color: var(--terracotta);
    font-weight: 400;
    margin-bottom: 18px;
    line-height: 1;
  }

  body.page-about .how-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 23px;
    line-height: 1.22;
    letter-spacing: -0.01em;
    margin-bottom: 14px;
    color: var(--ink);
  }

  body.page-about .how-card p {
    font-size: 15px;
    line-height: 1.6;
    color: var(--ink-soft);
  }


  body.page-about /* ============== §4 AWARDS (Logo strip — monochrome) ============== */
  .awards-head { margin-bottom: 48px; }

  body.page-about .awards-strip {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 56px 40px;
  }

  body.page-about .awards-grid {
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 36px 24px;
    align-items: center;
  }

  body.page-about .award-item {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    text-align: center;
    gap: 12px;
    padding: 8px 4px;
  }

  body.page-about .award-logo {
    width: 64px;
    height: 64px;
    border-radius: 12px;
    background: var(--bg-warm);
    border: 1px solid var(--line);
    display: flex;
    align-items: center;
    justify-content: center;
    color: var(--terracotta);
    flex-shrink: 0;
  }

  body.page-about .award-logo svg { width: 28px; height: 28px; stroke-width: 1.6; }

  body.page-about .award-text {
    display: flex;
    flex-direction: column;
    gap: 4px;
  }

  body.page-about .award-name {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 14px;
    line-height: 1.25;
    color: var(--ink);
    letter-spacing: -0.005em;
  }

  body.page-about .award-detail {
    font-size: 10.5px;
    font-weight: 600;
    color: var(--ink-muted);
    text-transform: uppercase;
    letter-spacing: 0.14em;
    line-height: 1.4;
  }

  body.page-about .awards-foot {
    margin-top: 44px;
    padding-top: 28px;
    border-top: 1px solid var(--line);
    text-align: center;
    font-size: 13px;
    color: var(--ink-muted);
    font-style: italic;
  }


  body.page-about /* ============== §5 CROSSCOUNTRY ============== */
  .ccm-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: center;
  }

  body.page-about .ccm-content h2 { margin-bottom: 24px; }

  body.page-about .ccm-content .lead {
    font-size: 17px;
    line-height: 1.65;
    color: var(--ink-soft);
    margin-bottom: 22px;
  }

  body.page-about .ccm-content .lead.bold { color: var(--ink); }

  body.page-about .ccm-licensed {
    margin-top: 28px;
    padding-top: 24px;
    border-top: 1px solid var(--line);
  }

  body.page-about .ccm-licensed-label {
    font-size: 10.5px;
    font-weight: 700;
    color: var(--terracotta);
    text-transform: uppercase;
    letter-spacing: 0.2em;
    margin-bottom: 12px;
    display: block;
  }

  body.page-about .ccm-licensed-text {
    font-size: 15px;
    line-height: 1.65;
    color: var(--ink);
  }

  body.page-about .ccm-visual {
    background: var(--teal-deep);
    color: #fff;
    padding: 56px 48px;
    border-radius: 14px;
    position: relative;
    overflow: hidden;
  }

  body.page-about .ccm-visual::before {
    content: '';
    position: absolute;
    top: -120px;
    right: -120px;
    width: 360px;
    height: 360px;
    background: radial-gradient(circle, rgba(184, 92, 56, 0.18) 0%, transparent 65%);
    pointer-events: none;
  }

  body.page-about .ccm-visual-eyebrow {
    font-size: 10.5px;
    font-weight: 700;
    color: var(--terracotta-soft);
    text-transform: uppercase;
    letter-spacing: 0.2em;
    margin-bottom: 18px;
    display: inline-flex;
    align-items: center;
    gap: 12px;
  }

  body.page-about .ccm-visual-eyebrow::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--terracotta-soft);
  }

  body.page-about .ccm-visual-stat {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 38px;
    line-height: 1.05;
    margin-bottom: 14px;
    letter-spacing: -0.015em;
  }

  body.page-about .ccm-visual-stat em { font-style: italic; color: var(--terracotta-soft); }

  body.page-about .ccm-visual p {
    font-size: 15px;
    line-height: 1.65;
    color: rgba(255,255,255,0.78);
  }

  body.page-about .ccm-visual .nmls-credentials {
    margin-top: 32px;
    padding-top: 24px;
    border-top: 1px solid rgba(255,255,255,0.12);
    font-size: 11px;
    line-height: 1.7;
    color: rgba(255,255,255,0.6);
    letter-spacing: 0.04em;
  }


  body.page-about /* ============== §6 FINAL CTA (locked dark pattern) ============== */
  .final-cta {
    background: var(--teal-deep);
    color: #fff;
    text-align: center;
    padding: 96px 32px;
    position: relative;
    overflow: hidden;
  }

  body.page-about .final-cta::before {
    content: '';
    position: absolute;
    top: -150px;
    left: 50%;
    transform: translateX(-50%);
    width: 700px;
    height: 700px;
    background: radial-gradient(circle, rgba(184, 92, 56, 0.12) 0%, transparent 60%);
    pointer-events: none;
  }

  body.page-about .final-cta .container { position: relative; z-index: 1; max-width: 760px; }

  body.page-about .final-cta .eyebrow { justify-content: center; color: var(--terracotta-soft); }

  body.page-about .final-cta .eyebrow::before { display: none; }

  body.page-about .final-cta h2 {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(36px, 4vw, 52px);
    line-height: 1.1;
    letter-spacing: -0.022em;
    color: #fff;
    margin: 18px 0 22px;
  }

  body.page-about .final-cta h2 em { font-style: italic; color: var(--terracotta-soft); }

  body.page-about .final-cta p {
    font-size: 17px;
    line-height: 1.6;
    color: rgba(255,255,255,0.85);
    margin-bottom: 36px;
  }

  body.page-about .final-cta .cta-row {
    display: flex;
    gap: 16px;
    justify-content: center;
    align-items: center;
    margin-bottom: 16px;
  }

  body.page-about .final-reassurance { font-size: 13px; color: rgba(255,255,255,0.55); }


  body.page-about /* ============== FOOTER ============== */
  footer.site-footer {
    background: var(--teal-deep);
    color: rgba(255,255,255,0.78);
    padding: 72px 32px 28px;
    border-top: 1px solid rgba(255,255,255,0.06);
  }

  body.page-about .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-about .footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
    gap: 48px;
    margin-bottom: 56px;
  }

  body.page-about .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-about .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-about .footer-tagline {
    font-size: 14px;
    line-height: 1.6;
    color: rgba(255,255,255,0.65);
    margin: 14px 0 18px;
    max-width: 280px;
  }

  body.page-about .footer-credentials {
    font-size: 11.5px;
    color: rgba(255,255,255,0.5);
    line-height: 1.6;
    margin-bottom: 22px;
  }

  body.page-about .footer-socials { display: flex; gap: 12px; }

  body.page-about .footer-socials a {
    width: 34px; height: 34px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.15);
    display: flex; align-items: center; justify-content: center;
    color: rgba(255,255,255,0.7);
    transition: all 0.25s ease;
  }

  body.page-about .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-about .footer-socials svg { width: 14px; height: 14px; }


  body.page-about .footer-col h5 {
    color: #fff;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 15px;
    margin-bottom: 18px;
    letter-spacing: -0.005em;
  }

  body.page-about .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-about .footer-col ul a {
    color: rgba(255,255,255,0.65);
    text-decoration: none;
    font-size: 13.5px;
    transition: color 0.2s;
  }

  body.page-about .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-about .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-about .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }


  body.page-about .footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 28px;
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: 18px;
    font-size: 12px;
    color: rgba(255,255,255,0.45);
  }

  body.page-about .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-about .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-about .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-about .ehl-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 11px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
  }

  body.page-about .ehl-icon {
    width: 22px; height: 22px;
    border: 1px solid rgba(255,255,255,0.5);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 11px; font-weight: 700;
  }

body.page-about /* Sticky mobile CTA */
  .sticky-mobile-cta {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 50;
    background: var(--teal-deep);
    padding: 12px 16px;
    box-shadow: 0 -8px 24px rgba(0,0,0,0.18);
  }

  body.page-about .sticky-mobile-cta .btn { width: 100%; }


  body.page-about /* ============== RESPONSIVE ============== */
  @media (max-width: 1080px) {
    .about-hero-inner { grid-template-columns: 1fr; gap: 40px; }
    .hero-portrait { aspect-ratio: 4/5; max-width: 480px; margin: 0 auto; }
    .hero-content { padding: 0; }
    .how-grid { grid-template-columns: 1fr; }
    .awards-grid { grid-template-columns: repeat(2, 1fr); gap: 40px 24px; }
    .ccm-grid { grid-template-columns: 1fr; gap: 40px; }
    .ccm-visual { padding: 40px 32px; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  }

  @media (max-width: 720px) {
body.page-about .block { padding: 64px 20px; }

    body.page-about .about-hero-wrap { padding: 48px 20px; }

    body.page-about .hero-content { padding: 0; }

    body.page-about .utility-rates .rate-label { display: none; }

    body.page-about nav.main-nav,
body.page-about .header-ctas .btn-secondary,
body.page-about .header-ctas .btn-primary { display: none; }

    body.page-about .awards-grid { grid-template-columns: 1fr; }

    body.page-about .footer-grid { grid-template-columns: 1fr; }

    body.page-about .sticky-mobile-cta { display: block; }

    body.page-about { padding-bottom: 76px; }

    body.page-about .final-cta .cta-row { flex-direction: column; align-items: stretch; }

    body.page-about .footer-bottom { flex-direction: column; align-items: flex-start; }

    body.page-about .story-block { padding-left: 24px; }

    body.page-about .story-block h3 { font-size: 22px; }
}


  @media (prefers-reduced-motion: reduce) {
body.page-about *,
body.page-about *::before,
body.page-about *::after {
      animation-duration: 0.01ms !important;
      transition-duration: 0.01ms !important;
    }
}


/* ===== Source: services-final.html (body.page-services) ===== */
body.page-services {
    --bg: #F8F4ED;
    --bg-card: #FFFFFF;
    --bg-warm: #F1EBDF;
    --bg-deep: #EAE0CC;
    --ink: #2A2520;
    --ink-soft: #5A524A;
    --ink-muted: #8A8278;
    --teal: #1B3A4B;
    --teal-deep: #122833;
    --teal-soft: #3A6478;
    --terracotta: #B85C38;
    --terracotta-soft: #D88562;
    --terracotta-deep: #8a4226;
    --line: #E5DCC9;
    --line-soft: #EFE7D6;
  }


  body.page-services * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }


  body.page-services {
    font-family: 'Manrope', sans-serif;
    background: var(--bg);
    color: var(--ink);
    line-height: 1.6;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
  }


  body.page-services /* ============== TOP UTILITY BAR ============== */
  .utility-bar {
    background: var(--teal-deep);
    color: rgba(255,255,255,0.78);
    font-size: 11.5px;
    font-weight: 500;
    letter-spacing: 0.02em;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    padding: 0 32px;
  }

  body.page-services .utility-inner {
    max-width: 1240px;
    margin: 0 auto;
    padding: 7px 0;
    display: flex;
    align-items: center;
    gap: 24px;
  }

  body.page-services .utility-rates { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

  body.page-services .utility-rates .rate-label {
    color: rgba(255,255,255,0.55);
    text-transform: uppercase;
    letter-spacing: 0.16em;
    font-size: 10px;
    font-weight: 600;
  }

  body.page-services .utility-rates .rate-pair { display: inline-flex; align-items: baseline; gap: 6px; }

  body.page-services .utility-rates .rate-term {
    color: rgba(255,255,255,0.6);
    font-size: 10.5px;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    font-weight: 600;
  }

  body.page-services .utility-rates .rate-val {
    color: #fff;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 13.5px;
    letter-spacing: -0.005em;
  }

  body.page-services .utility-rates .rate-sep { color: rgba(255,255,255,0.25); }

  body.page-services .utility-rates a.rate-source {
    color: rgba(255,255,255,0.55);
    text-decoration: none;
    font-size: 10.5px;
    letter-spacing: 0.04em;
    transition: color 0.2s;
  }

  body.page-services .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }


  body.page-services /* ============== HEADER ============== */
  .site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(248, 244, 237, 0.92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--line-soft);
    padding: 0 32px;
  }

  body.page-services .header-inner {
    max-width: 1240px;
    margin: 0 auto;
    padding: 18px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
  }

  body.page-services .logo {
    display: flex;
    align-items: baseline;
    gap: 12px;
    text-decoration: none;
    color: var(--ink);
  }

  body.page-services .logo-mark {
    font-family: 'Fraunces', serif;
    font-size: 24px;
    font-weight: 500;
    letter-spacing: -0.02em;
    color: var(--teal-deep);
    line-height: 1;
  }

  body.page-services .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }


  body.page-services nav.main-nav { display: flex; gap: 30px; }

  body.page-services nav.main-nav a {
    color: var(--ink-soft);
    text-decoration: none;
    font-size: 14px;
    font-weight: 500;
    position: relative;
    padding: 4px 0;
    transition: color 0.2s;
  }

  body.page-services nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-services nav.main-nav a.active { color: var(--teal-deep); }

  body.page-services nav.main-nav a.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-services nav.main-nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 1px;
    background: var(--terracotta);
    transition: width 0.3s ease;
  }

  body.page-services nav.main-nav a:hover::after { width: 100%; }

  body.page-services nav.main-nav a.has-dropdown::before {
    content: '⌄';
    position: absolute;
    right: -12px;
    top: 2px;
    font-size: 10px;
    color: var(--ink-muted);
  }


  body.page-services .header-ctas { display: flex; gap: 12px; align-items: center; }

  body.page-services .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 11px 20px;
    border: none;
    border-radius: 8px;
    font-family: inherit;
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    text-decoration: none;
    transition: all 0.18s ease;
    line-height: 1;
    white-space: nowrap;
  }

  body.page-services .btn-primary { background: var(--teal-deep); color: #fff; }

  body.page-services .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-services .btn-quiet {
    background: transparent;
    color: var(--ink-soft);
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-color: var(--line);
    padding: 11px 0;
  }

  body.page-services .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-services .btn-lg { padding: 15px 26px; font-size: 14px; }

  body.page-services .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-services .btn-arrow:hover svg { transform: translateX(3px); }


  body.page-services .btn-primary-light { background: #fff; color: var(--teal-deep); }

  body.page-services .btn-primary-light:hover { background: var(--bg-warm); transform: translateY(-1px); }

  body.page-services .btn-quiet-light {
    background: transparent;
    color: rgba(255,255,255,0.7);
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-color: rgba(255,255,255,0.25);
    padding: 11px 0;
  }

  body.page-services .btn-quiet-light:hover { color: var(--terracotta-soft); text-decoration-color: var(--terracotta-soft); }


  body.page-services /* ============== EYEBROW + HEADLINE PATTERNS ============== */
  .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--terracotta);
    margin-bottom: 22px;
  }

  body.page-services .eyebrow::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-services .eyebrow.centered {
    justify-content: center;
    margin-left: auto;
    margin-right: auto;
  }

  body.page-services .eyebrow.centered::before { display: none; }

  body.page-services .eyebrow.on-dark { color: var(--terracotta-soft); }

  body.page-services .eyebrow.on-dark::before { background: var(--terracotta-soft); }


  body.page-services .section-headline {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(32px, 3.4vw, 46px);
    line-height: 1.08;
    letter-spacing: -0.022em;
    color: var(--ink);
    margin-bottom: 22px;
  }

  body.page-services .section-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }


  body.page-services .section-support {
    font-size: 17px;
    line-height: 1.65;
    color: var(--ink-soft);
    max-width: 680px;
    margin: 0 auto 48px;
  }


  body.page-services /* ============== §1 HERO — Variant 3 (Dark) ============== */
  .hero-wrap {
    background: var(--teal-deep);
    position: relative;
    overflow: hidden;
    padding: 96px 32px 84px;
    color: #fff;
  }

  body.page-services .hero-wrap::before {
    content: '';
    position: absolute;
    top: -30%;
    right: -15%;
    width: 70%;
    height: 160%;
    background: radial-gradient(ellipse, rgba(184, 92, 56, 0.18) 0%, transparent 55%);
    pointer-events: none;
  }

  body.page-services .hero-wrap::after {
    content: '';
    position: absolute;
    bottom: -40%;
    left: -10%;
    width: 50%;
    height: 80%;
    background: radial-gradient(ellipse, rgba(58, 100, 120, 0.30) 0%, transparent 60%);
    pointer-events: none;
  }

  body.page-services .hero-inner {
    position: relative;
    max-width: 1040px;
    margin: 0 auto;
    text-align: center;
    z-index: 2;
  }

  body.page-services .hero-headline {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(40px, 5vw, 64px);
    line-height: 1.04;
    letter-spacing: -0.025em;
    color: #fff;
    margin-bottom: 26px;
  }

  body.page-services .hero-headline em { font-style: italic; color: var(--terracotta-soft); font-weight: 400; }

  body.page-services .hero-support {
    font-size: 18px;
    line-height: 1.65;
    color: rgba(255,255,255,0.78);
    max-width: 720px;
    margin: 0 auto 36px;
  }

  body.page-services .hero-ctas {
    display: flex;
    gap: 16px;
    justify-content: center;
    align-items: center;
    margin-bottom: 22px;
    flex-wrap: wrap;
  }

  body.page-services .hero-reassurance {
    font-size: 13px;
    color: rgba(255,255,255,0.5);
    margin-bottom: 56px;
  }

  body.page-services .trust-strip {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 40px;
    padding-top: 36px;
    border-top: 1px solid rgba(255,255,255,0.12);
  }

  body.page-services .trust-item {
    font-size: 12.5px;
    font-weight: 500;
    color: rgba(255,255,255,0.78);
    letter-spacing: 0.01em;
    display: inline-flex;
    align-items: baseline;
    gap: 8px;
  }

  body.page-services .trust-item strong {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    color: var(--terracotta-soft);
  }


  body.page-services /* Licensed ribbon */
  .ribbon {
    background: var(--bg-warm);
    border-bottom: 1px solid var(--line);
    text-align: center;
    padding: 16px 24px;
    font-size: 12.5px;
    color: var(--ink-soft);
    letter-spacing: 0.01em;
  }

  body.page-services .ribbon strong {
    text-transform: uppercase;
    letter-spacing: 0.16em;
    font-size: 10.5px;
    font-weight: 700;
    color: var(--terracotta);
    margin-right: 12px;
  }


  body.page-services /* ============== SECTION WRAPPERS ============== */
  .block { padding: 96px 32px; }

  body.page-services .block.warm { background: var(--bg-warm); }

  body.page-services .block.cream { background: var(--bg); }

  body.page-services .block-inner { max-width: 1240px; margin: 0 auto; }

  body.page-services .block-head { text-align: center; margin-bottom: 64px; max-width: 820px; margin-left: auto; margin-right: auto; }

  body.page-services .block-head .section-support { margin-bottom: 0; }


  body.page-services /* ============== §2 — How I Pick the Right Path (numbered cards) ============== */
  .numbered-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 28px;
  }

  body.page-services .numbered-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 36px 32px;
    transition: all 0.22s ease;
  }

  body.page-services .numbered-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 12px 28px -12px rgba(18, 40, 51, 0.16);
    border-color: var(--terracotta-soft);
  }

  body.page-services .numbered-card .num {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: 48px;
    line-height: 1;
    color: var(--terracotta);
    margin-bottom: 18px;
    letter-spacing: -0.02em;
  }

  body.page-services .numbered-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 22px;
    line-height: 1.25;
    color: var(--ink);
    margin-bottom: 14px;
    letter-spacing: -0.01em;
  }

  body.page-services .numbered-card p {
    font-size: 14.5px;
    line-height: 1.65;
    color: var(--ink-soft);
  }


  body.page-services /* ============== §3 — Service cards (asymmetric: 1 featured + 4 standard) ============== */
  .services-grid {
    display: grid;
    grid-template-columns: 1.5fr 1fr 1fr;
    grid-template-rows: auto auto;
    gap: 26px;
  }

  body.page-services .service-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 32px 28px;
    display: flex;
    flex-direction: column;
    text-decoration: none;
    color: inherit;
    transition: all 0.22s ease;
    cursor: pointer;
  }

  body.page-services .service-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 14px 32px -12px rgba(18, 40, 51, 0.16);
    border-color: var(--terracotta-soft);
  }

  body.page-services .service-card:hover .card-cta { color: var(--terracotta-deep); }

  body.page-services .service-card:hover .card-cta svg { transform: translateX(4px); }


  body.page-services .service-card.featured {
    grid-row: 1 / 3;
    background: linear-gradient(180deg, #fff 0%, var(--bg-warm) 100%);
    padding: 40px 36px;
    border: 1px solid var(--line);
    position: relative;
  }

  body.page-services .service-card.featured .card-eyebrow {
    display: inline-block;
    background: var(--terracotta);
    color: #fff;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.16em;
    text-transform: uppercase;
    padding: 5px 10px;
    border-radius: 4px;
    margin-bottom: 20px;
    align-self: flex-start;
  }

  body.page-services .service-card.featured h3 {
    font-size: 32px;
    line-height: 1.15;
  }

  body.page-services .service-card.featured .card-body {
    font-size: 16px;
  }


  body.page-services .service-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 22px;
    line-height: 1.2;
    color: var(--ink);
    margin-bottom: 14px;
    letter-spacing: -0.012em;
  }

  body.page-services .service-card .card-body {
    font-size: 14.5px;
    line-height: 1.65;
    color: var(--ink-soft);
    margin-bottom: 22px;
    flex-grow: 1;
  }

  body.page-services .card-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--terracotta);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.01em;
    transition: color 0.18s;
  }

  body.page-services .card-cta svg {
    width: 13px;
    height: 13px;
    transition: transform 0.18s;
  }


  body.page-services /* ============== §4 — Brand philosophy (Terracotta wash) ============== */
  .philosophy {
    background:
      radial-gradient(ellipse at top right, rgba(184, 92, 56, 0.08) 0%, transparent 55%),
      radial-gradient(ellipse at bottom left, rgba(184, 92, 56, 0.06) 0%, transparent 50%),
      var(--bg-warm);
    padding: 112px 32px;
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
    position: relative;
    overflow: hidden;
  }

  body.page-services .philo-inner {
    position: relative;
    max-width: 820px;
    margin: 0 auto;
    text-align: center;
  }

  body.page-services .philo-headline {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(32px, 3.8vw, 50px);
    line-height: 1.1;
    letter-spacing: -0.022em;
    color: var(--ink);
    margin-bottom: 32px;
  }

  body.page-services .philo-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-services .philo-body {
    font-size: 18px;
    line-height: 1.75;
    color: var(--ink-soft);
    margin-bottom: 22px;
  }

  body.page-services .philo-cta {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 28px;
    font-size: 14px;
    font-weight: 600;
    text-decoration: none;
    letter-spacing: 0.005em;
    padding: 13px 22px;
    border-radius: 8px;
    background: var(--teal-deep);
    color: #fff;
    transition: all 0.18s;
  }

  body.page-services .philo-cta:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-services .philo-cta svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-services .philo-cta:hover svg { transform: translateX(3px); }


  body.page-services /* ============== §5 — Final CTA (dark) ============== */
  .final-cta {
    background: var(--teal-deep);
    color: #fff;
    padding: 96px 32px;
    text-align: center;
    position: relative;
    overflow: hidden;
  }

  body.page-services .final-cta::before {
    content: '';
    position: absolute;
    top: -30%;
    right: -10%;
    width: 50%;
    height: 130%;
    background: radial-gradient(ellipse, rgba(184, 92, 56, 0.14) 0%, transparent 55%);
    pointer-events: none;
  }

  body.page-services .final-inner {
    position: relative;
    max-width: 720px;
    margin: 0 auto;
    z-index: 2;
  }

  body.page-services .final-headline {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(34px, 3.6vw, 48px);
    line-height: 1.1;
    letter-spacing: -0.022em;
    color: #fff;
    margin-bottom: 22px;
  }

  body.page-services .final-headline em { font-style: italic; color: var(--terracotta-soft); }

  body.page-services .final-support {
    font-size: 17px;
    line-height: 1.65;
    color: rgba(255,255,255,0.78);
    margin-bottom: 36px;
  }

  body.page-services .final-ctas {
    display: flex;
    gap: 16px;
    justify-content: center;
    align-items: center;
    margin-bottom: 18px;
    flex-wrap: wrap;
  }

  body.page-services .final-reassurance { font-size: 13px; color: rgba(255,255,255,0.55); }


  body.page-services /* ============== FOOTER ============== */
  footer.site-footer {
    background: var(--teal-deep);
    color: rgba(255,255,255,0.78);
    padding: 72px 32px 28px;
    border-top: 1px solid rgba(255,255,255,0.06);
  }

  body.page-services .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-services .footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
    gap: 48px;
    margin-bottom: 56px;
  }

  body.page-services .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-services .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-services .footer-tagline {
    font-size: 14px;
    line-height: 1.6;
    color: rgba(255,255,255,0.65);
    margin: 14px 0 18px;
    max-width: 280px;
  }

  body.page-services .footer-credentials {
    font-size: 11.5px;
    color: rgba(255,255,255,0.5);
    line-height: 1.6;
    margin-bottom: 22px;
  }

  body.page-services .footer-socials { display: flex; gap: 12px; }

  body.page-services .footer-socials a {
    width: 34px; height: 34px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.15);
    display: flex; align-items: center; justify-content: center;
    color: rgba(255,255,255,0.7);
    transition: all 0.25s ease;
  }

  body.page-services .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-services .footer-socials svg { width: 14px; height: 14px; }


  body.page-services .footer-col h5 {
    color: #fff;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 15px;
    margin-bottom: 18px;
    letter-spacing: -0.005em;
  }

  body.page-services .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-services .footer-col ul a {
    color: rgba(255,255,255,0.65);
    text-decoration: none;
    font-size: 13.5px;
    transition: color 0.2s;
  }

  body.page-services .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-services .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-services .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }


  body.page-services .footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 28px;
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: 18px;
    font-size: 12px;
    color: rgba(255,255,255,0.45);
  }

  body.page-services .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-services .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-services .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-services .ehl-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 11px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
  }

  body.page-services .ehl-icon {
    width: 22px; height: 22px;
    border: 1px solid rgba(255,255,255,0.5);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 11px; font-weight: 700;
  }


  body.page-services /* Sticky mobile CTA */
  .sticky-mobile-cta {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 50;
    background: var(--teal-deep);
    padding: 12px 16px;
    box-shadow: 0 -8px 24px rgba(0,0,0,0.18);
  }

  body.page-services .sticky-mobile-cta .btn { width: 100%; }


  body.page-services /* ============== RESPONSIVE ============== */
  @media (max-width: 1080px) {
    .services-grid { grid-template-columns: 1fr 1fr; }
    .service-card.featured { grid-row: auto; grid-column: 1 / -1; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  }

  @media (max-width: 720px) {
body.page-services .block { padding: 64px 20px; }

    body.page-services .hero-wrap { padding: 56px 20px 64px; }

    body.page-services .philosophy { padding: 72px 20px; }

    body.page-services .final-cta { padding: 64px 20px; }

    body.page-services .utility-rates .rate-label { display: none; }

    body.page-services nav.main-nav,
body.page-services .header-ctas .btn-primary { display: none; }

    body.page-services .numbered-grid { grid-template-columns: 1fr; }

    body.page-services .services-grid { grid-template-columns: 1fr; }

    body.page-services .service-card.featured { grid-row: auto; }

    body.page-services .service-card.featured h3 { font-size: 26px; }

    body.page-services .footer-grid { grid-template-columns: 1fr; }

    body.page-services .sticky-mobile-cta { display: block; }

    body.page-services { padding-bottom: 76px; }

    body.page-services .final-ctas,
body.page-services .hero-ctas { flex-direction: column; align-items: stretch; }

    body.page-services .final-ctas .btn,
body.page-services .hero-ctas .btn { width: 100%; }

    body.page-services .footer-bottom { flex-direction: column; align-items: flex-start; }

    body.page-services .trust-strip { gap: 20px; }
}


  @media (prefers-reduced-motion: reduce) {
body.page-services *,
body.page-services *::before,
body.page-services *::after {
      animation-duration: 0.01ms !important;
      transition-duration: 0.01ms !important;
    }
}


/* ===== Source: contact-final.html (body.page-contact) ===== */
body.page-contact {
    --bg: #F8F4ED;
    --bg-card: #FFFFFF;
    --bg-warm: #F1EBDF;
    --bg-deep: #EAE0CC;
    --ink: #2A2520;
    --ink-soft: #5A524A;
    --ink-muted: #8A8278;
    --teal: #1B3A4B;
    --teal-deep: #122833;
    --teal-soft: #3A6478;
    --terracotta: #B85C38;
    --terracotta-soft: #D88562;
    --terracotta-deep: #8a4226;
    --line: #E5DCC9;
    --line-soft: #EFE7D6;
  }

  body.page-contact * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }

  body.page-contact {
    font-family: 'Manrope', sans-serif;
    background: var(--bg);
    color: var(--ink);
    line-height: 1.6;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
  }


  body.page-contact /* ============== TOP UTILITY BAR ============== */
  .utility-bar {
    background: var(--teal-deep);
    color: rgba(255,255,255,0.78);
    font-size: 11.5px;
    font-weight: 500;
    letter-spacing: 0.02em;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    padding: 0 32px;
  }

  body.page-contact .utility-inner {
    max-width: 1240px;
    margin: 0 auto;
    padding: 7px 0;
    display: flex;
    align-items: center;
    gap: 24px;
  }

  body.page-contact .utility-rates { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

  body.page-contact .utility-rates .rate-label {
    color: rgba(255,255,255,0.55);
    text-transform: uppercase;
    letter-spacing: 0.16em;
    font-size: 10px;
    font-weight: 600;
  }

  body.page-contact .utility-rates .rate-pair { display: inline-flex; align-items: baseline; gap: 6px; }

  body.page-contact .utility-rates .rate-term {
    color: rgba(255,255,255,0.6);
    font-size: 10.5px;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    font-weight: 600;
  }

  body.page-contact .utility-rates .rate-val {
    color: #fff;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 13.5px;
    letter-spacing: -0.005em;
  }

  body.page-contact .utility-rates .rate-sep { color: rgba(255,255,255,0.25); }

  body.page-contact .utility-rates a.rate-source {
    color: rgba(255,255,255,0.55);
    text-decoration: none;
    font-size: 10.5px;
    letter-spacing: 0.04em;
  }

  body.page-contact .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }


  body.page-contact /* ============== HEADER ============== */
  .site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(248, 244, 237, 0.92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--line-soft);
    padding: 0 32px;
  }

  body.page-contact .header-inner {
    max-width: 1240px;
    margin: 0 auto;
    padding: 18px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
  }

  body.page-contact .logo { display: flex; align-items: baseline; gap: 12px; text-decoration: none; color: var(--ink); }

  body.page-contact .logo-mark {
    font-family: 'Fraunces', serif;
    font-size: 24px;
    font-weight: 500;
    letter-spacing: -0.02em;
    color: var(--teal-deep);
    line-height: 1;
  }

  body.page-contact .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }


  body.page-contact nav.main-nav { display: flex; gap: 30px; }

  body.page-contact nav.main-nav a {
    color: var(--ink-soft);
    text-decoration: none;
    font-size: 14px;
    font-weight: 500;
    position: relative;
    padding: 4px 0;
    transition: color 0.2s;
  }

  body.page-contact nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-contact nav.main-nav a.active { color: var(--teal-deep); }

  body.page-contact nav.main-nav a.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-contact nav.main-nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 1px;
    background: var(--terracotta);
    transition: width 0.3s ease;
  }

  body.page-contact nav.main-nav a:hover::after { width: 100%; }

  body.page-contact nav.main-nav a.has-dropdown::before {
    content: '⌄';
    position: absolute;
    right: -12px;
    top: 2px;
    font-size: 10px;
    color: var(--ink-muted);
  }


  body.page-contact .header-ctas { display: flex; gap: 12px; align-items: center; }

  body.page-contact .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 11px 20px;
    border: none;
    border-radius: 8px;
    font-family: inherit;
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    text-decoration: none;
    transition: all 0.18s ease;
    line-height: 1;
    white-space: nowrap;
  }

  body.page-contact .btn-primary { background: var(--teal-deep); color: #fff; }

  body.page-contact .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-contact .btn-quiet {
    background: transparent;
    color: var(--ink-soft);
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-color: var(--line);
    padding: 11px 0;
  }

  body.page-contact .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-contact .btn-lg { padding: 15px 26px; font-size: 14px; }

  body.page-contact .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-contact .btn-arrow:hover svg { transform: translateX(3px); }

  body.page-contact .btn-primary-light { background: #fff; color: var(--teal-deep); }

  body.page-contact .btn-primary-light:hover { background: var(--bg-warm); transform: translateY(-1px); }


  body.page-contact /* ============== HERO (Option B — Quiet Center) ============== */
  .contact-hero {
    background: var(--bg-warm);
    padding: 112px 32px 96px;
    text-align: center;
    position: relative;
    overflow: hidden;
  }

  body.page-contact .contact-hero::before {
    content: '';
    position: absolute;
    top: 50%;
    left: 50%;
    transform: translate(-50%, -50%);
    width: 900px;
    height: 900px;
    background: radial-gradient(circle, rgba(184, 92, 56, 0.06) 0%, transparent 60%);
    pointer-events: none;
  }

  body.page-contact .contact-hero-inner {
    max-width: 800px;
    margin: 0 auto;
    position: relative;
    z-index: 1;
  }

  body.page-contact .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--terracotta);
    margin-bottom: 22px;
  }

  body.page-contact .eyebrow::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-contact .contact-hero .eyebrow { justify-content: center; }

  body.page-contact .contact-hero .eyebrow::before { display: none; }

  body.page-contact .contact-hero h1 {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(44px, 5vw, 66px);
    line-height: 1.04;
    letter-spacing: -0.022em;
    color: var(--ink);
    margin-bottom: 26px;
  }

  body.page-contact .contact-hero h1 em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-contact .contact-hero .support {
    font-size: 18px;
    line-height: 1.7;
    color: var(--ink-soft);
    max-width: 620px;
    margin: 0 auto;
  }


  body.page-contact /* ============== SECTION COMMON ============== */
  .block { padding: 96px 32px; position: relative; }

  body.page-contact .block.warm { background: var(--bg-warm); }

  body.page-contact .block.dark { background: var(--teal-deep); color: #fff; }

  body.page-contact .container { max-width: 1240px; margin: 0 auto; }

  body.page-contact .section-head { max-width: 760px; margin-bottom: 56px; }

  body.page-contact .section-title {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(32px, 3.4vw, 44px);
    line-height: 1.1;
    letter-spacing: -0.02em;
    color: var(--ink);
    margin-bottom: 20px;
  }

  body.page-contact .section-title em { font-style: italic; color: var(--terracotta); }

  body.page-contact .section-sub {
    font-size: 17px;
    line-height: 1.6;
    color: var(--ink-soft);
  }


  body.page-contact /* ============== §2 SCHEDULE A CALL (FULL-SPAN CALENDAR) ============== */
  .schedule-block {
    background: var(--bg);
    padding: 0 32px 96px;
  }

  body.page-contact .schedule-inner {
    max-width: 1100px;
    margin: 0 auto;
  }

  body.page-contact .schedule-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 18px;
    padding: 48px;
    box-shadow: 0 30px 60px -30px rgba(42, 37, 32, 0.18);
    margin-top: -64px;
    position: relative;
  }


  body.page-contact /* Call-type tabs */
  .call-tabs {
    display: inline-flex;
    gap: 4px;
    background: var(--bg-warm);
    border-radius: 10px;
    padding: 5px;
    margin-bottom: 28px;
  }

  body.page-contact .call-tab {
    background: transparent;
    border: 0;
    padding: 11px 22px;
    border-radius: 8px;
    font-family: inherit;
    font-size: 13.5px;
    font-weight: 600;
    color: var(--ink-soft);
    cursor: pointer;
    transition: all 0.2s ease;
    display: inline-flex;
    align-items: center;
    gap: 10px;
  }

  body.page-contact .call-tab .duration {
    font-size: 11px;
    font-weight: 500;
    color: var(--ink-muted);
    text-transform: uppercase;
    letter-spacing: 0.12em;
  }

  body.page-contact .call-tab.active {
    background: var(--teal-deep);
    color: #fff;
  }

  body.page-contact .call-tab.active .duration { color: rgba(255,255,255,0.7); }


  body.page-contact .call-description {
    margin-bottom: 36px;
    font-size: 15.5px;
    line-height: 1.65;
    color: var(--ink-soft);
    max-width: 720px;
  }

  body.page-contact .call-description.hidden { display: none; }


  body.page-contact /* Calendar layout: month on left,
body.page-contact slots on right */
  .calendar-layout {
    display: grid;
    grid-template-columns: 1.3fr 1fr;
    gap: 48px;
    align-items: start;
  }


  body.page-contact /* Calendar month */
  .cal-month-head {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-bottom: 18px;
  }

  body.page-contact .cal-month-label {
    font-family: 'Fraunces', serif;
    font-size: 22px;
    font-weight: 500;
    color: var(--ink);
    letter-spacing: -0.01em;
  }

  body.page-contact .cal-nav-btns { display: flex; gap: 8px; }

  body.page-contact .cal-nav-btn {
    width: 36px;
    height: 36px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: transparent;
    color: var(--ink-soft);
    cursor: pointer;
    display: flex;
    align-items: center;
    justify-content: center;
    transition: all 0.2s;
  }

  body.page-contact .cal-nav-btn:hover { background: var(--bg-warm); border-color: var(--terracotta); color: var(--terracotta); }

  body.page-contact .cal-nav-btn svg { width: 14px; height: 14px; }

  body.page-contact .cal-weekdays {
    display: grid;
    grid-template-columns: repeat(7, 1fr);
    gap: 4px;
    font-size: 11px;
    color: var(--ink-muted);
    font-weight: 600;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    margin-bottom: 8px;
    text-align: center;
  }

  body.page-contact .cal-weekdays span { padding: 8px 0; }

  body.page-contact .cal-days {
    display: grid;
    grid-template-columns: repeat(7, 1fr);
    gap: 4px;
  }

  body.page-contact .cal-day {
    aspect-ratio: 1;
    display: flex;
    align-items: center;
    justify-content: center;
    border-radius: 8px;
    font-size: 14px;
    font-weight: 500;
    cursor: pointer;
    color: var(--ink);
    transition: all 0.15s;
    border: 1px solid transparent;
  }

  body.page-contact .cal-day.muted { color: var(--ink-muted); opacity: 0.4; cursor: default; }

  body.page-contact .cal-day.unavailable { color: var(--ink-muted); opacity: 0.45; cursor: not-allowed; }

  body.page-contact .cal-day.available:hover { background: var(--bg-warm); border-color: var(--line); }

  body.page-contact .cal-day.selected {
    background: var(--terracotta);
    color: #fff;
    font-weight: 600;
  }

  body.page-contact .cal-day.today { font-weight: 700; position: relative; }

  body.page-contact .cal-day.today::after {
    content: '';
    position: absolute;
    bottom: 6px;
    left: 50%;
    transform: translateX(-50%);
    width: 4px;
    height: 4px;
    border-radius: 50%;
    background: var(--terracotta);
  }

  body.page-contact .cal-day.today.selected::after { background: #fff; }


  body.page-contact /* Time slots */
  .slot-col {
    padding-left: 0;
  }

  body.page-contact .slot-head {
    display: flex;
    flex-direction: column;
    gap: 4px;
    margin-bottom: 18px;
  }

  body.page-contact .slot-day-label {
    font-family: 'Fraunces', serif;
    font-size: 18px;
    font-weight: 500;
    color: var(--ink);
    letter-spacing: -0.005em;
  }

  body.page-contact .slot-tz {
    font-size: 11.5px;
    color: var(--ink-muted);
    font-weight: 500;
  }

  body.page-contact .slots-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 10px;
  }

  body.page-contact .cal-slot {
    padding: 14px 0;
    border: 1px solid var(--line);
    border-radius: 8px;
    text-align: center;
    font-family: 'Manrope', sans-serif;
    font-size: 14px;
    font-weight: 600;
    color: var(--ink);
    cursor: pointer;
    transition: all 0.15s;
    background: var(--bg-card);
  }

  body.page-contact .cal-slot:hover {
    border-color: var(--terracotta);
    color: var(--terracotta);
    transform: translateY(-1px);
  }

  body.page-contact .slot-foot {
    margin-top: 24px;
    padding-top: 18px;
    border-top: 1px solid var(--line);
    font-size: 12px;
    color: var(--ink-muted);
    line-height: 1.5;
  }


  body.page-contact /* ============== §3 HOW TO REACH ME (Option C w/ map) ============== */
  .reach-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 64px;
    align-items: start;
  }

  body.page-contact .reach-list { display: flex; flex-direction: column; }

  body.page-contact .reach-row {
    display: grid;
    grid-template-columns: 140px 1fr;
    gap: 24px;
    padding: 24px 0;
    border-bottom: 1px solid var(--line);
    align-items: baseline;
  }

  body.page-contact .reach-row:first-child { border-top: 1px solid var(--line); }

  body.page-contact .reach-eyebrow {
    font-size: 10.5px;
    font-weight: 700;
    color: var(--terracotta);
    text-transform: uppercase;
    letter-spacing: 0.2em;
  }

  body.page-contact .reach-content { font-size: 16px; line-height: 1.5; color: var(--ink-soft); }

  body.page-contact .reach-content strong {
    display: block;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 20px;
    color: var(--ink);
    margin-bottom: 4px;
    letter-spacing: -0.005em;
  }

  body.page-contact .reach-content a {
    color: var(--terracotta);
    text-decoration: none;
    border-bottom: 1px solid transparent;
    transition: border-color 0.2s;
  }

  body.page-contact .reach-content a:hover { border-bottom-color: var(--terracotta); }

  body.page-contact .reach-content .secondary {
    display: block;
    font-size: 14px;
    color: var(--ink-soft);
    margin-top: 4px;
  }

  body.page-contact .reach-content .meta-line {
    font-size: 13px;
    color: var(--ink-muted);
    font-style: italic;
    margin-top: 6px;
  }


  body.page-contact /* Map (right column) */
  .map-card {
    position: relative;
    background: var(--bg-deep);
    border: 1px solid var(--line);
    border-radius: 14px;
    overflow: hidden;
    aspect-ratio: 4 / 5;
    box-shadow: 0 20px 40px -20px rgba(42, 37, 32, 0.15);
    text-decoration: none;
    display: block;
    transition: transform 0.3s ease, box-shadow 0.3s ease;
  }

  body.page-contact .map-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 28px 50px -22px rgba(42, 37, 32, 0.22);
  }

  body.page-contact .map-svg-wrap {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
  }

  body.page-contact .map-svg-wrap svg { width: 100%; height: 100%; display: block; }

  body.page-contact .map-overlay {
    position: absolute;
    bottom: 18px;
    left: 18px;
    right: 18px;
    background: rgba(248, 244, 237, 0.96);
    backdrop-filter: blur(10px);
    border-radius: 10px;
    padding: 16px 18px;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 12px;
    border: 1px solid rgba(229, 220, 201, 0.7);
  }

  body.page-contact .map-overlay-info {
    display: flex;
    flex-direction: column;
    gap: 2px;
  }

  body.page-contact .map-overlay .name {
    font-family: 'Fraunces', serif;
    font-size: 15px;
    font-weight: 500;
    color: var(--ink);
    letter-spacing: -0.005em;
  }

  body.page-contact .map-overlay .addr {
    font-size: 12.5px;
    color: var(--ink-soft);
  }

  body.page-contact .map-overlay-cta {
    font-size: 11.5px;
    font-weight: 700;
    color: var(--terracotta);
    text-transform: uppercase;
    letter-spacing: 0.16em;
    display: inline-flex;
    align-items: center;
    gap: 4px;
    flex-shrink: 0;
  }

  body.page-contact .map-overlay-cta svg { width: 12px; height: 12px; }


  body.page-contact /* ============== §4 OUTSIDE ARIZONA ============== */
  .outstate-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 48px 56px;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 48px;
    align-items: center;
  }

  body.page-contact .outstate-content h2 { margin-bottom: 18px; font-size: 30px; }

  body.page-contact .outstate-content p {
    font-size: 16px;
    line-height: 1.65;
    color: var(--ink-soft);
  }

  body.page-contact .outstate-list {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 12px 24px;
  }

  body.page-contact .outstate-state {
    display: flex;
    align-items: center;
    gap: 12px;
    padding: 10px 0;
    border-bottom: 1px solid var(--line);
    font-size: 15px;
    color: var(--ink);
    font-weight: 500;
  }

  body.page-contact .outstate-state::before {
    content: '';
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--terracotta);
    flex-shrink: 0;
  }

  body.page-contact .outstate-state.home { color: var(--terracotta); font-weight: 600; }

  body.page-contact .outstate-state.home::before { background: var(--terracotta); width: 8px; height: 8px; box-shadow: 0 0 0 3px rgba(184, 92, 56, 0.18); }


  body.page-contact /* ============== §5 BEFORE YOU REACH OUT ============== */
  .reassure-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
  }

  body.page-contact .reassure-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 36px 32px;
    transition: all 0.3s ease;
  }

  body.page-contact .reassure-card:hover {
    transform: translateY(-3px);
    border-color: var(--terracotta-soft);
    box-shadow: 0 18px 36px -18px rgba(42, 37, 32, 0.2);
  }

  body.page-contact .reassure-num {
    font-family: 'Fraunces', serif;
    font-style: italic;
    font-size: 28px;
    color: var(--terracotta);
    line-height: 1;
    margin-bottom: 18px;
  }

  body.page-contact .reassure-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 22px;
    line-height: 1.22;
    letter-spacing: -0.01em;
    color: var(--ink);
    margin-bottom: 14px;
  }

  body.page-contact .reassure-card.featured h3 em { font-style: italic; color: var(--terracotta); }

  body.page-contact .reassure-card p {
    font-size: 15px;
    line-height: 1.65;
    color: var(--ink-soft);
  }


  body.page-contact /* ============== FOOTER (locked global) ============== */
  footer.site-footer {
    background: var(--teal-deep);
    color: rgba(255,255,255,0.78);
    padding: 72px 32px 28px;
    border-top: 1px solid rgba(255,255,255,0.06);
  }

  body.page-contact .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-contact .footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
    gap: 48px;
    margin-bottom: 56px;
  }

  body.page-contact .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-contact .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-contact .footer-tagline {
    font-size: 14px;
    line-height: 1.6;
    color: rgba(255,255,255,0.65);
    margin: 14px 0 18px;
    max-width: 280px;
  }

  body.page-contact .footer-credentials {
    font-size: 11.5px;
    color: rgba(255,255,255,0.5);
    line-height: 1.6;
    margin-bottom: 22px;
  }

  body.page-contact .footer-socials { display: flex; gap: 12px; }

  body.page-contact .footer-socials a {
    width: 34px; height: 34px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.15);
    display: flex; align-items: center; justify-content: center;
    color: rgba(255,255,255,0.7);
    transition: all 0.25s ease;
  }

  body.page-contact .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-contact .footer-socials svg { width: 14px; height: 14px; }


  body.page-contact .footer-col h5 {
    color: #fff;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 15px;
    margin-bottom: 18px;
    letter-spacing: -0.005em;
  }

  body.page-contact .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-contact .footer-col ul a {
    color: rgba(255,255,255,0.65);
    text-decoration: none;
    font-size: 13.5px;
    transition: color 0.2s;
  }

  body.page-contact .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-contact .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-contact .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }


  body.page-contact .footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 28px;
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: 18px;
    font-size: 12px;
    color: rgba(255,255,255,0.45);
  }

  body.page-contact .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-contact .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-contact .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-contact .ehl-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 11px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
  }

  body.page-contact .ehl-icon {
    width: 22px; height: 22px;
    border: 1px solid rgba(255,255,255,0.5);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 11px; font-weight: 700;
  }


  body.page-contact /* Sticky mobile CTA */
  .sticky-mobile-cta {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 50;
    background: var(--teal-deep);
    padding: 12px 16px;
    box-shadow: 0 -8px 24px rgba(0,0,0,0.18);
  }

  body.page-contact .sticky-mobile-cta .btn { width: 100%; }


  body.page-contact /* ============== RESPONSIVE ============== */
  @media (max-width: 1080px) {
    .schedule-card { padding: 36px 28px; }
    .calendar-layout { grid-template-columns: 1fr; gap: 32px; }
    .reach-grid { grid-template-columns: 1fr; gap: 40px; }
    .outstate-card { grid-template-columns: 1fr; gap: 32px; padding: 40px 32px; }
    .reassure-grid { grid-template-columns: 1fr; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  }

  @media (max-width: 720px) {
body.page-contact .block { padding: 64px 20px; }

    body.page-contact .contact-hero { padding: 80px 20px 72px; }

    body.page-contact .schedule-block { padding: 0 20px 64px; }

    body.page-contact .schedule-card { padding: 28px 22px; }

    body.page-contact .reach-row { grid-template-columns: 1fr; gap: 6px; padding: 22px 0; }

    body.page-contact .outstate-card { padding: 32px 24px; }

    body.page-contact .outstate-list { grid-template-columns: 1fr; }

    body.page-contact .call-tabs { flex-direction: column; width: 100%; }

    body.page-contact .call-tab { justify-content: space-between; }

    body.page-contact .slots-grid { grid-template-columns: 1fr 1fr; }

    body.page-contact nav.main-nav,
body.page-contact .header-ctas .btn-secondary,
body.page-contact .header-ctas .btn-primary { display: none; }

    body.page-contact .footer-grid { grid-template-columns: 1fr; }

    body.page-contact .sticky-mobile-cta { display: block; }

    body.page-contact { padding-bottom: 76px; }

    body.page-contact .footer-bottom { flex-direction: column; align-items: flex-start; }
}


  @media (prefers-reduced-motion: reduce) {
body.page-contact *,
body.page-contact *::before,
body.page-contact *::after {
      animation-duration: 0.01ms !important;
      transition-duration: 0.01ms !important;
    }
}


/* ===== Source: testimonials-final.html (body.page-testimonials) ===== */
body.page-testimonials {
    --bg: #F8F4ED;
    --bg-card: #FFFFFF;
    --bg-warm: #F1EBDF;
    --bg-deep: #EAE0CC;
    --ink: #2A2520;
    --ink-soft: #5A524A;
    --ink-muted: #8A8278;
    --teal: #1B3A4B;
    --teal-deep: #122833;
    --teal-soft: #3A6478;
    --terracotta: #B85C38;
    --terracotta-soft: #D88562;
    --terracotta-deep: #8a4226;
    --line: #E5DCC9;
    --line-soft: #EFE7D6;
  }


  body.page-testimonials * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }


  body.page-testimonials {
    font-family: 'Manrope', sans-serif;
    background: var(--bg);
    color: var(--ink);
    line-height: 1.6;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
  }

  body.page-testimonials a { color: inherit; }


  body.page-testimonials /* ============== UTILITY BAR ============== */
  .utility-bar {
    background: var(--teal-deep);
    color: rgba(255,255,255,0.78);
    font-size: 11.5px;
    font-weight: 500;
    letter-spacing: 0.02em;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    padding: 0 32px;
  }

  body.page-testimonials .utility-inner { max-width: 1240px; margin: 0 auto; padding: 7px 0; display: flex; align-items: center; gap: 24px; }

  body.page-testimonials .utility-rates { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

  body.page-testimonials .utility-rates .rate-label { color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.16em; font-size: 10px; font-weight: 600; }

  body.page-testimonials .utility-rates .rate-pair { display: inline-flex; align-items: baseline; gap: 6px; }

  body.page-testimonials .utility-rates .rate-term { color: rgba(255,255,255,0.6); font-size: 10.5px; text-transform: uppercase; letter-spacing: 0.14em; font-weight: 600; }

  body.page-testimonials .utility-rates .rate-val { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 13.5px; letter-spacing: -0.005em; }

  body.page-testimonials .utility-rates .rate-sep { color: rgba(255,255,255,0.25); }

  body.page-testimonials .utility-rates a.rate-source { color: rgba(255,255,255,0.55); text-decoration: none; font-size: 10.5px; letter-spacing: 0.04em; transition: color 0.2s; }

  body.page-testimonials .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }


  body.page-testimonials /* ============== HEADER ============== */
  .site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(248, 244, 237, 0.92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--line-soft);
    padding: 0 32px;
  }

  body.page-testimonials .header-inner { max-width: 1240px; margin: 0 auto; padding: 18px 0; display: flex; align-items: center; justify-content: space-between; gap: 32px; }

  body.page-testimonials .logo { display: flex; align-items: baseline; gap: 12px; text-decoration: none; color: var(--ink); }

  body.page-testimonials .logo-mark { font-family: 'Fraunces', serif; font-size: 24px; font-weight: 500; letter-spacing: -0.02em; color: var(--teal-deep); line-height: 1; }

  body.page-testimonials .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }


  body.page-testimonials nav.main-nav { display: flex; gap: 30px; }

  body.page-testimonials nav.main-nav a { color: var(--ink-soft); text-decoration: none; font-size: 14px; font-weight: 500; position: relative; padding: 4px 0; transition: color 0.2s; }

  body.page-testimonials nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-testimonials nav.main-nav a.active { color: var(--teal-deep); }

  body.page-testimonials nav.main-nav a.active::after { content: ''; position: absolute; bottom: 0; left: 0; width: 100%; height: 1px; background: var(--terracotta); }

  body.page-testimonials nav.main-nav a::after { content: ''; position: absolute; bottom: 0; left: 0; width: 0; height: 1px; background: var(--terracotta); transition: width 0.3s ease; }

  body.page-testimonials nav.main-nav a:hover::after { width: 100%; }

  body.page-testimonials nav.main-nav a.has-dropdown::before { content: '⌄'; position: absolute; right: -12px; top: 2px; font-size: 10px; color: var(--ink-muted); }


  body.page-testimonials .header-ctas { display: flex; gap: 12px; align-items: center; }

  body.page-testimonials .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 11px 20px; border: none; border-radius: 8px; font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; text-decoration: none; transition: all 0.18s ease; line-height: 1; white-space: nowrap; }

  body.page-testimonials .btn-primary { background: var(--teal-deep); color: #fff; }

  body.page-testimonials .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-testimonials .btn-quiet { background: transparent; color: var(--ink-soft); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: var(--line); padding: 11px 0; }

  body.page-testimonials .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-testimonials .btn-lg { padding: 15px 26px; font-size: 14px; }

  body.page-testimonials .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-testimonials .btn-arrow:hover svg { transform: translateX(3px); }

  body.page-testimonials .btn-primary-light { background: #fff; color: var(--teal-deep); }

  body.page-testimonials .btn-primary-light:hover { background: var(--bg-warm); transform: translateY(-1px); }

  body.page-testimonials .btn-quiet-light { background: transparent; color: rgba(255,255,255,0.7); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: rgba(255,255,255,0.25); padding: 11px 0; }

  body.page-testimonials .btn-quiet-light:hover { color: var(--terracotta-soft); text-decoration-color: var(--terracotta-soft); }


  body.page-testimonials /* ============== TYPOGRAPHY ============== */
  .eyebrow { display: inline-flex; align-items: center; gap: 12px; font-size: 11px; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 22px; }

  body.page-testimonials .eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--terracotta); }

  body.page-testimonials .eyebrow.centered { justify-content: center; margin-left: auto; margin-right: auto; }

  body.page-testimonials .eyebrow.centered::before { display: none; }

  body.page-testimonials .eyebrow.on-dark { color: var(--terracotta-soft); }

  body.page-testimonials .eyebrow.on-dark::before { background: var(--terracotta-soft); }


  body.page-testimonials .section-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(32px, 3.4vw, 46px); line-height: 1.08; letter-spacing: -0.022em; color: var(--ink); margin-bottom: 22px; }

  body.page-testimonials .section-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-testimonials .section-support { font-size: 17px; line-height: 1.65; color: var(--ink-soft); max-width: 680px; margin: 0 auto 32px; }


  body.page-testimonials /* ============== §1 HERO — V1 Soft wash ============== */
  .hero-wrap { background: var(--bg); position: relative; overflow: hidden; padding: 96px 32px 80px; }

  body.page-testimonials .hero-wrap::before { content: ''; position: absolute; top: -20%; right: -10%; width: 60%; height: 140%; background: radial-gradient(ellipse, rgba(184,92,56,0.10) 0%, transparent 60%); pointer-events: none; }

  body.page-testimonials .hero-wrap::after { content: ''; position: absolute; bottom: -30%; left: -10%; width: 50%; height: 90%; background: radial-gradient(ellipse, rgba(27,58,75,0.06) 0%, transparent 65%); pointer-events: none; }

  body.page-testimonials .hero-inner { position: relative; max-width: 1040px; margin: 0 auto; text-align: center; z-index: 2; }

  body.page-testimonials .hero-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(38px, 4.5vw, 58px); line-height: 1.05; letter-spacing: -0.024em; color: var(--ink); margin-bottom: 26px; }

  body.page-testimonials .hero-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-testimonials .hero-support { font-size: 18px; line-height: 1.65; color: var(--ink-soft); max-width: 720px; margin: 0 auto 36px; }

  body.page-testimonials .hero-ctas { display: flex; gap: 16px; justify-content: center; align-items: center; margin-bottom: 22px; flex-wrap: wrap; }

  body.page-testimonials .hero-reassurance { font-size: 13px; color: var(--ink-muted); margin-bottom: 56px; }

  body.page-testimonials .trust-strip { display: flex; flex-wrap: wrap; justify-content: center; gap: 40px; padding-top: 36px; border-top: 1px solid var(--line); }

  body.page-testimonials .trust-item { font-size: 12.5px; font-weight: 500; color: var(--ink-soft); letter-spacing: 0.01em; display: inline-flex; align-items: baseline; gap: 8px; }

  body.page-testimonials .trust-item strong { font-family: 'Fraunces', serif; font-weight: 500; color: var(--terracotta); }


  body.page-testimonials /* Licensed ribbon */
  .ribbon { background: var(--bg-warm); border-bottom: 1px solid var(--line); text-align: center; padding: 16px 24px; font-size: 12.5px; color: var(--ink-soft); letter-spacing: 0.01em; }

  body.page-testimonials .ribbon strong { text-transform: uppercase; letter-spacing: 0.16em; font-size: 10.5px; font-weight: 700; color: var(--terracotta); margin-right: 12px; }


  body.page-testimonials /* ============== §2 ANCHOR NAV — Inline-links (sticky desktop) ============== */
  .anchor-nav-wrap {
    position: sticky;
    top: 67px; /* sits under the sticky header */
    z-index: 90;
    background: rgba(248,244,237,0.92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--line-soft);
    padding: 14px 32px;
  }

  body.page-testimonials .anchor-nav-inner {
    max-width: 1240px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 16px;
    flex-wrap: wrap;
  }

  body.page-testimonials .anchor-nav-label { font-size: 10.5px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--ink-muted); font-weight: 700; flex-shrink: 0; }

  body.page-testimonials .anchor-inline { display: inline-flex; align-items: center; flex-wrap: wrap; gap: 4px; }

  body.page-testimonials .anchor-inline a {
    padding: 4px 8px;
    font-size: 13.5px;
    font-weight: 500;
    color: var(--ink-soft);
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-color: var(--line);
    transition: all 0.18s;
  }

  body.page-testimonials .anchor-inline a:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-testimonials .anchor-inline .sep { color: var(--ink-muted); font-size: 13.5px; padding: 0 2px; user-select: none; }


  body.page-testimonials /* On mobile: horizontal scroll,
body.page-testimonials single row */
  @media (max-width: 720px) {
    .anchor-nav-wrap { top: 56px; padding: 10px 0; }
    .anchor-nav-inner { flex-wrap: nowrap; overflow-x: auto; padding: 0 20px; gap: 4px; -webkit-overflow-scrolling: touch; }
    .anchor-nav-inner::-webkit-scrollbar { display: none; }
    .anchor-nav-inner { scrollbar-width: none; }
    .anchor-nav-label { display: none; }
    .anchor-inline { flex-wrap: nowrap; flex-shrink: 0; }
    .anchor-inline a { white-space: nowrap; }
  }


  body.page-testimonials /* ============== BLOCK WRAPPERS ============== */
  .block { padding: 88px 32px; position: relative; scroll-margin-top: 120px; }

  body.page-testimonials .block.warm { background: var(--bg-warm); }

  body.page-testimonials .block.cream { background: var(--bg); }

  body.page-testimonials .block-inner { max-width: 1240px; margin: 0 auto; }

  body.page-testimonials .block-head { text-align: center; margin-bottom: 56px; max-width: 820px; margin-left: auto; margin-right: auto; }

  body.page-testimonials .block-head .section-support { margin-bottom: 0; }


  body.page-testimonials /* ============== TESTIMONIAL CARD — Style A (Quote-card editorial) ============== */
  .tcards {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 28px;
  }

  body.page-testimonials .tcards.single { grid-template-columns: 1fr; max-width: 760px; margin: 0 auto; }

  body.page-testimonials .tcard {
    background: var(--bg-card);
    border-left: 3px solid var(--terracotta);
    border-radius: 4px;
    padding: 36px 36px 32px;
    position: relative;
    display: flex;
    flex-direction: column;
    box-shadow: 0 4px 14px -8px rgba(18, 40, 51, 0.10);
  }

  body.page-testimonials .tcard.full-width { grid-column: 1 / -1; }

  body.page-testimonials .tcard::before {
    content: '"';
    position: absolute;
    top: 12px;
    right: 24px;
    font-family: 'Fraunces', serif;
    font-size: 100px;
    line-height: 1;
    color: rgba(184, 92, 56, 0.12);
    font-style: italic;
    pointer-events: none;
  }

  body.page-testimonials .tcard .summary {
    font-size: 11px;
    font-weight: 700;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    color: var(--terracotta);
    margin-bottom: 18px;
    position: relative;
    z-index: 1;
  }

  body.page-testimonials .tcard blockquote {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: 19px;
    line-height: 1.55;
    color: var(--ink);
    letter-spacing: -0.005em;
    margin-bottom: 24px;
    flex-grow: 1;
    position: relative;
    z-index: 1;
  }

  body.page-testimonials .tcard cite {
    font-style: normal;
    font-size: 13.5px;
    font-weight: 600;
    color: var(--ink-soft);
    display: block;
    letter-spacing: 0.01em;
    border-top: 1px solid var(--line-soft);
    padding-top: 16px;
    position: relative;
    z-index: 1;
  }

  body.page-testimonials .tcard cite .role { color: var(--ink-muted); font-weight: 500; margin-left: 4px; }


  body.page-testimonials /* ============== §8 THIRD-PARTY PLATFORM LINKS ============== */
  .platforms {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 26px;
  }

  body.page-testimonials .platform-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 32px 28px;
    display: flex;
    flex-direction: column;
    text-decoration: none;
    color: inherit;
    transition: all 0.22s ease;
    cursor: pointer;
  }

  body.page-testimonials .platform-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 14px 32px -12px rgba(18, 40, 51, 0.16);
    border-color: var(--terracotta-soft);
  }

  body.page-testimonials .platform-card:hover .card-cta svg { transform: translateX(4px); }

  body.page-testimonials .platform-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 22px;
    line-height: 1.25;
    color: var(--ink);
    margin-bottom: 10px;
    letter-spacing: -0.012em;
  }

  body.page-testimonials .platform-card .platform-rating {
    font-size: 13px;
    font-weight: 600;
    color: var(--terracotta);
    letter-spacing: 0.01em;
    margin-bottom: 18px;
  }

  body.page-testimonials .platform-card .card-body {
    font-size: 14.5px;
    line-height: 1.65;
    color: var(--ink-soft);
    margin-bottom: 22px;
    flex-grow: 1;
  }

  body.page-testimonials .card-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--terracotta);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.01em;
    transition: color 0.18s;
  }

  body.page-testimonials .card-cta svg { width: 13px; height: 13px; transition: transform 0.18s; }


  body.page-testimonials /* ============== §9 THEMES — "What Clients Mention Most" ============== */
  .themes-grid {
    display: grid;
    grid-template-columns: repeat(2, 1fr);
    gap: 24px;
    max-width: 960px;
    margin: 0 auto;
  }

  body.page-testimonials .theme-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 32px 28px;
  }

  body.page-testimonials .theme-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-style: italic;
    font-size: 22px;
    line-height: 1.3;
    color: var(--ink);
    margin-bottom: 14px;
    letter-spacing: -0.012em;
  }

  body.page-testimonials .theme-card h3 .quote-mark { color: var(--terracotta); font-weight: 400; }

  body.page-testimonials .theme-card p {
    font-size: 14.5px;
    line-height: 1.65;
    color: var(--ink-soft);
  }


  body.page-testimonials /* ============== §10 FINAL CTA WITH PHOTO ============== */
  .final-cta-photo { background: var(--teal-deep); color: #fff; padding: 96px 32px; position: relative; overflow: hidden; }

  body.page-testimonials .final-cta-photo::before { content: ''; position: absolute; top: -30%; right: -10%; width: 50%; height: 130%; background: radial-gradient(ellipse, rgba(184,92,56,0.14) 0%, transparent 55%); pointer-events: none; }

  body.page-testimonials .final-cta-inner { position: relative; z-index: 2; max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 360px 1fr; gap: 64px; align-items: center; }

  body.page-testimonials .final-photo { aspect-ratio: 4/5; background: linear-gradient(180deg, var(--teal-soft) 0%, var(--teal-deep) 100%); border-radius: 12px; position: relative; overflow: hidden; box-shadow: 0 24px 60px -20px rgba(0,0,0,0.5); }

  body.page-testimonials .final-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }

  body.page-testimonials .final-photo-placeholder { width: 100%; height: 100%; display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.4); font-size: 13px; letter-spacing: 0.1em; text-transform: uppercase; background: radial-gradient(ellipse at 30% 30%, rgba(184,92,56,0.18) 0%, transparent 60%), var(--teal-deep); }

  body.page-testimonials .final-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(32px, 3.4vw, 44px); line-height: 1.1; letter-spacing: -0.022em; color: #fff; margin-bottom: 22px; }

  body.page-testimonials .final-headline em { font-style: italic; color: var(--terracotta-soft); }

  body.page-testimonials .final-support { font-size: 17px; line-height: 1.65; color: rgba(255,255,255,0.78); margin-bottom: 32px; max-width: 540px; }

  body.page-testimonials .final-ctas { display: flex; gap: 16px; align-items: center; margin-bottom: 18px; flex-wrap: wrap; }

  body.page-testimonials .final-reassurance { font-size: 13px; color: rgba(255,255,255,0.55); }


  body.page-testimonials /* ============== FOOTER ============== */
  footer.site-footer { background: var(--teal-deep); color: rgba(255,255,255,0.78); padding: 72px 32px 28px; border-top: 1px solid rgba(255,255,255,0.06); }

  body.page-testimonials .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-testimonials .footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 56px; }

  body.page-testimonials .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-testimonials .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-testimonials .footer-tagline { font-size: 14px; line-height: 1.6; color: rgba(255,255,255,0.65); margin: 14px 0 18px; max-width: 280px; }

  body.page-testimonials .footer-credentials { font-size: 11.5px; color: rgba(255,255,255,0.5); line-height: 1.6; margin-bottom: 22px; }

  body.page-testimonials .footer-socials { display: flex; gap: 12px; }

  body.page-testimonials .footer-socials a { width: 34px; height: 34px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.15); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); transition: all 0.25s ease; }

  body.page-testimonials .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-testimonials .footer-socials svg { width: 14px; height: 14px; }

  body.page-testimonials .footer-col h5 { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 15px; margin-bottom: 18px; letter-spacing: -0.005em; }

  body.page-testimonials .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-testimonials .footer-col ul a { color: rgba(255,255,255,0.65); text-decoration: none; font-size: 13.5px; transition: color 0.2s; }

  body.page-testimonials .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-testimonials .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-testimonials .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }

  body.page-testimonials .footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 28px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 18px; font-size: 12px; color: rgba(255,255,255,0.45); }

  body.page-testimonials .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-testimonials .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-testimonials .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-testimonials .ehl-badge { display: inline-flex; align-items: center; gap: 8px; font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; }

  body.page-testimonials .ehl-icon { width: 22px; height: 22px; border: 1px solid rgba(255,255,255,0.5); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 700; }


  body.page-testimonials /* Sticky mobile CTA */
  .sticky-mobile-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 50; background: var(--teal-deep); padding: 12px 16px; box-shadow: 0 -8px 24px rgba(0,0,0,0.18); }

  body.page-testimonials .sticky-mobile-cta .btn { width: 100%; }


  body.page-testimonials /* ============== RESPONSIVE ============== */
  @media (max-width: 1080px) {
    .tcards { grid-template-columns: 1fr; max-width: 720px; margin: 0 auto; }
    .tcard.full-width { grid-column: auto; }
    .platforms { grid-template-columns: 1fr; max-width: 540px; margin: 0 auto; }
    .themes-grid { grid-template-columns: 1fr; max-width: 600px; }
    .final-cta-inner { grid-template-columns: 1fr; gap: 40px; }
    .final-photo { max-width: 360px; margin: 0 auto; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  }

  @media (max-width: 720px) {
body.page-testimonials .block { padding: 64px 20px; }

    body.page-testimonials .hero-wrap { padding: 56px 20px 64px; }

    body.page-testimonials .final-cta-photo { padding: 64px 20px; }

    body.page-testimonials .utility-rates .rate-label { display: none; }

    body.page-testimonials nav.main-nav,
body.page-testimonials .header-ctas .btn-primary { display: none; }

    body.page-testimonials .footer-grid { grid-template-columns: 1fr; }

    body.page-testimonials .sticky-mobile-cta { display: block; }

    body.page-testimonials { padding-bottom: 76px; }

    body.page-testimonials .final-ctas,
body.page-testimonials .hero-ctas { flex-direction: column; align-items: stretch; }

    body.page-testimonials .final-ctas .btn,
body.page-testimonials .hero-ctas .btn { width: 100%; }

    body.page-testimonials .footer-bottom { flex-direction: column; align-items: flex-start; }

    body.page-testimonials .trust-strip { gap: 20px; }

    body.page-testimonials .tcard { padding: 28px 24px; }

    body.page-testimonials .tcard blockquote { font-size: 17px; }
}

  @media (prefers-reduced-motion: reduce) {
body.page-testimonials *,
body.page-testimonials *::before,
body.page-testimonials *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}


/* ===== Source: money-smart-final.html (body.page-money-smart) ===== */
body.page-money-smart {
    --bg: #F8F4ED;
    --bg-card: #FFFFFF;
    --bg-warm: #F1EBDF;
    --bg-deep: #EAE0CC;
    --ink: #2A2520;
    --ink-soft: #5A524A;
    --ink-muted: #8A8278;
    --teal: #1B3A4B;
    --teal-deep: #122833;
    --teal-soft: #3A6478;
    --terracotta: #B85C38;
    --terracotta-soft: #D88562;
    --terracotta-deep: #8a4226;
    --line: #E5DCC9;
    --line-soft: #EFE7D6;
  }


  body.page-money-smart * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }


  body.page-money-smart {
    font-family: 'Manrope', sans-serif;
    background: var(--bg);
    color: var(--ink);
    line-height: 1.6;
    font-size: 16px;
    -webkit-font-smoothing: antialiased;
    -moz-osx-font-smoothing: grayscale;
  }

  body.page-money-smart a { color: inherit; }


  body.page-money-smart /* ============== TOP UTILITY BAR ============== */
  .utility-bar {
    background: var(--teal-deep);
    color: rgba(255,255,255,0.78);
    font-size: 11.5px;
    font-weight: 500;
    letter-spacing: 0.02em;
    border-bottom: 1px solid rgba(255,255,255,0.06);
    padding: 0 32px;
  }

  body.page-money-smart .utility-inner {
    max-width: 1240px;
    margin: 0 auto;
    padding: 7px 0;
    display: flex;
    align-items: center;
    gap: 24px;
  }

  body.page-money-smart .utility-rates { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

  body.page-money-smart .utility-rates .rate-label {
    color: rgba(255,255,255,0.55);
    text-transform: uppercase;
    letter-spacing: 0.16em;
    font-size: 10px;
    font-weight: 600;
  }

  body.page-money-smart .utility-rates .rate-pair { display: inline-flex; align-items: baseline; gap: 6px; }

  body.page-money-smart .utility-rates .rate-term {
    color: rgba(255,255,255,0.6);
    font-size: 10.5px;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    font-weight: 600;
  }

  body.page-money-smart .utility-rates .rate-val {
    color: #fff;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 13.5px;
    letter-spacing: -0.005em;
  }

  body.page-money-smart .utility-rates .rate-sep { color: rgba(255,255,255,0.25); }

  body.page-money-smart .utility-rates a.rate-source {
    color: rgba(255,255,255,0.55);
    text-decoration: none;
    font-size: 10.5px;
    letter-spacing: 0.04em;
    transition: color 0.2s;
  }

  body.page-money-smart .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }


  body.page-money-smart /* ============== HEADER ============== */
  .site-header {
    position: sticky;
    top: 0;
    z-index: 100;
    background: rgba(248, 244, 237, 0.92);
    backdrop-filter: blur(12px);
    border-bottom: 1px solid var(--line-soft);
    padding: 0 32px;
  }

  body.page-money-smart .header-inner {
    max-width: 1240px;
    margin: 0 auto;
    padding: 18px 0;
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 32px;
  }

  body.page-money-smart .logo {
    display: flex;
    align-items: baseline;
    gap: 12px;
    text-decoration: none;
    color: var(--ink);
  }

  body.page-money-smart .logo-mark {
    font-family: 'Fraunces', serif;
    font-size: 24px;
    font-weight: 500;
    letter-spacing: -0.02em;
    color: var(--teal-deep);
    line-height: 1;
  }

  body.page-money-smart .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }


  body.page-money-smart nav.main-nav { display: flex; gap: 30px; }

  body.page-money-smart nav.main-nav a {
    color: var(--ink-soft);
    text-decoration: none;
    font-size: 14px;
    font-weight: 500;
    position: relative;
    padding: 4px 0;
    transition: color 0.2s;
  }

  body.page-money-smart nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-money-smart nav.main-nav a.active { color: var(--teal-deep); }

  body.page-money-smart nav.main-nav a.active::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 100%;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-money-smart nav.main-nav a::after {
    content: '';
    position: absolute;
    bottom: 0;
    left: 0;
    width: 0;
    height: 1px;
    background: var(--terracotta);
    transition: width 0.3s ease;
  }

  body.page-money-smart nav.main-nav a:hover::after { width: 100%; }

  body.page-money-smart nav.main-nav a.has-dropdown::before {
    content: '⌄';
    position: absolute;
    right: -12px;
    top: 2px;
    font-size: 10px;
    color: var(--ink-muted);
  }


  body.page-money-smart .header-ctas { display: flex; gap: 12px; align-items: center; }

  body.page-money-smart .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    padding: 11px 20px;
    border: none;
    border-radius: 8px;
    font-family: inherit;
    font-size: 13px;
    font-weight: 600;
    cursor: pointer;
    text-decoration: none;
    transition: all 0.18s ease;
    line-height: 1;
    white-space: nowrap;
  }

  body.page-money-smart .btn-primary { background: var(--teal-deep); color: #fff; }

  body.page-money-smart .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-money-smart .btn-quiet {
    background: transparent;
    color: var(--ink-soft);
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-color: var(--line);
    padding: 11px 0;
  }

  body.page-money-smart .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-money-smart .btn-lg { padding: 15px 26px; font-size: 14px; }

  body.page-money-smart .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-money-smart .btn-arrow:hover svg { transform: translateX(3px); }

  body.page-money-smart .btn-primary-light { background: #fff; color: var(--teal-deep); }

  body.page-money-smart .btn-primary-light:hover { background: var(--bg-warm); transform: translateY(-1px); }

  body.page-money-smart .btn-quiet-light {
    background: transparent;
    color: rgba(255,255,255,0.7);
    text-decoration: underline;
    text-underline-offset: 4px;
    text-decoration-color: rgba(255,255,255,0.25);
    padding: 11px 0;
  }

  body.page-money-smart .btn-quiet-light:hover { color: var(--terracotta-soft); text-decoration-color: var(--terracotta-soft); }


  body.page-money-smart /* ============== EYEBROW + HEADLINE PATTERNS ============== */
  .eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 12px;
    font-size: 11px;
    font-weight: 600;
    letter-spacing: 0.2em;
    text-transform: uppercase;
    color: var(--terracotta);
    margin-bottom: 22px;
  }

  body.page-money-smart .eyebrow::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-money-smart .eyebrow.centered { justify-content: center; margin-left: auto; margin-right: auto; }

  body.page-money-smart .eyebrow.centered::before { display: none; }

  body.page-money-smart .eyebrow.on-dark { color: var(--terracotta-soft); }

  body.page-money-smart .eyebrow.on-dark::before { background: var(--terracotta-soft); }


  body.page-money-smart .section-headline {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(32px, 3.4vw, 46px);
    line-height: 1.08;
    letter-spacing: -0.022em;
    color: var(--ink);
    margin-bottom: 22px;
  }

  body.page-money-smart .section-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }


  body.page-money-smart .section-support {
    font-size: 17px;
    line-height: 1.65;
    color: var(--ink-soft);
    max-width: 680px;
    margin: 0 auto 56px;
  }


  body.page-money-smart /* ============== §1 HERO — V1 Soft wash (hub default) ============== */
  .hero-wrap {
    background: var(--bg);
    position: relative;
    overflow: hidden;
    padding: 96px 32px 80px;
  }

  body.page-money-smart .hero-wrap::before {
    content: '';
    position: absolute;
    top: -20%;
    right: -10%;
    width: 60%;
    height: 140%;
    background: radial-gradient(ellipse, rgba(184, 92, 56, 0.10) 0%, transparent 60%);
    pointer-events: none;
  }

  body.page-money-smart .hero-wrap::after {
    content: '';
    position: absolute;
    bottom: -30%;
    left: -10%;
    width: 50%;
    height: 90%;
    background: radial-gradient(ellipse, rgba(27, 58, 75, 0.06) 0%, transparent 65%);
    pointer-events: none;
  }

  body.page-money-smart .hero-inner {
    position: relative;
    max-width: 1040px;
    margin: 0 auto;
    text-align: center;
    z-index: 2;
  }

  body.page-money-smart .hero-headline {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(40px, 5vw, 64px);
    line-height: 1.04;
    letter-spacing: -0.025em;
    color: var(--ink);
    margin-bottom: 26px;
  }

  body.page-money-smart .hero-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-money-smart .hero-support {
    font-size: 18px;
    line-height: 1.65;
    color: var(--ink-soft);
    max-width: 720px;
    margin: 0 auto 36px;
  }

  body.page-money-smart .hero-ctas {
    display: flex;
    gap: 16px;
    justify-content: center;
    align-items: center;
    margin-bottom: 22px;
    flex-wrap: wrap;
  }

  body.page-money-smart .hero-reassurance {
    font-size: 13px;
    color: var(--ink-muted);
    margin-bottom: 56px;
  }

  body.page-money-smart .trust-strip {
    display: flex;
    flex-wrap: wrap;
    justify-content: center;
    gap: 40px;
    padding-top: 36px;
    border-top: 1px solid var(--line);
  }

  body.page-money-smart .trust-item {
    font-size: 12.5px;
    font-weight: 500;
    color: var(--ink-soft);
    letter-spacing: 0.01em;
    display: inline-flex;
    align-items: baseline;
    gap: 8px;
  }

  body.page-money-smart .trust-item strong {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    color: var(--terracotta);
  }


  body.page-money-smart /* Licensed ribbon */
  .ribbon {
    background: var(--bg-warm);
    border-bottom: 1px solid var(--line);
    text-align: center;
    padding: 16px 24px;
    font-size: 12.5px;
    color: var(--ink-soft);
    letter-spacing: 0.01em;
  }

  body.page-money-smart .ribbon strong {
    text-transform: uppercase;
    letter-spacing: 0.16em;
    font-size: 10.5px;
    font-weight: 700;
    color: var(--terracotta);
    margin-right: 12px;
  }


  body.page-money-smart /* ============== SECTION WRAPPERS ============== */
  .block { padding: 96px 32px; }

  body.page-money-smart .block.warm { background: var(--bg-warm); }

  body.page-money-smart .block.cream { background: var(--bg); }

  body.page-money-smart .block-inner { max-width: 1240px; margin: 0 auto; }

  body.page-money-smart .block-head { text-align: center; margin-bottom: 56px; max-width: 820px; margin-left: auto; margin-right: auto; }

  body.page-money-smart .block-head .section-support { margin-bottom: 0; }


  body.page-money-smart /* ============== STANDARD CARD (used by §2, §3, §4, §5, §6) ============== */
  .card-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 26px;
  }

  body.page-money-smart .card-grid.cols-2 { grid-template-columns: repeat(2, 1fr); max-width: 820px; margin: 0 auto; }

  body.page-money-smart .topic-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 32px 28px;
    display: flex;
    flex-direction: column;
    text-decoration: none;
    color: inherit;
    transition: all 0.22s ease;
    cursor: pointer;
  }

  body.page-money-smart .topic-card:hover {
    transform: translateY(-3px);
    box-shadow: 0 14px 32px -12px rgba(18, 40, 51, 0.16);
    border-color: var(--terracotta-soft);
  }

  body.page-money-smart .topic-card:hover .card-cta { color: var(--terracotta-deep); }

  body.page-money-smart .topic-card:hover .card-cta svg { transform: translateX(4px); }

  body.page-money-smart .topic-card .card-meta {
    font-size: 11.5px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--ink-muted);
    margin-bottom: 14px;
    padding-bottom: 14px;
    border-bottom: 1px solid var(--line-soft);
  }

  body.page-money-smart .topic-card .card-meta-inline {
    font-size: 11.5px;
    font-weight: 600;
    letter-spacing: 0.08em;
    text-transform: uppercase;
    color: var(--ink-muted);
    margin-bottom: 12px;
    display: inline-flex;
    align-items: center;
    gap: 8px;
  }

  body.page-money-smart .topic-card .card-meta-inline .dot { color: var(--terracotta); }

  body.page-money-smart .topic-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 22px;
    line-height: 1.22;
    color: var(--ink);
    margin-bottom: 14px;
    letter-spacing: -0.012em;
  }

  body.page-money-smart .topic-card .card-body {
    font-size: 14.5px;
    line-height: 1.65;
    color: var(--ink-soft);
    margin-bottom: 22px;
    flex-grow: 1;
  }

  body.page-money-smart .card-cta {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--terracotta);
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.01em;
    transition: color 0.18s;
  }

  body.page-money-smart .card-cta svg {
    width: 13px;
    height: 13px;
    transition: transform 0.18s;
  }


  body.page-money-smart /* ============== §8 FAQ ============== */
  .faq-list {
    max-width: 820px;
    margin: 0 auto;
  }

  body.page-money-smart .faq-item {
    border-bottom: 1px solid var(--line);
    padding: 28px 0;
  }

  body.page-money-smart .faq-item:first-child { border-top: 1px solid var(--line); }

  body.page-money-smart .faq-question {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 21px;
    line-height: 1.3;
    color: var(--ink);
    margin-bottom: 12px;
    letter-spacing: -0.012em;
  }

  body.page-money-smart .faq-answer {
    font-size: 15.5px;
    line-height: 1.65;
    color: var(--ink-soft);
  }

  body.page-money-smart .faq-footer {
    text-align: center;
    margin-top: 40px;
    font-size: 14px;
    color: var(--ink-muted);
  }

  body.page-money-smart .faq-footer a {
    color: var(--terracotta);
    text-decoration: none;
    font-weight: 600;
  }

  body.page-money-smart .faq-footer a:hover { color: var(--terracotta-deep); }


  body.page-money-smart /* ============== §9 Final CTA WITH PHOTO ============== */
  .final-cta-photo {
    background: var(--teal-deep);
    color: #fff;
    padding: 96px 32px;
    position: relative;
    overflow: hidden;
  }

  body.page-money-smart .final-cta-photo::before {
    content: '';
    position: absolute;
    top: -30%;
    right: -10%;
    width: 50%;
    height: 130%;
    background: radial-gradient(ellipse, rgba(184, 92, 56, 0.14) 0%, transparent 55%);
    pointer-events: none;
  }

  body.page-money-smart .final-cta-inner {
    position: relative;
    z-index: 2;
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: 360px 1fr;
    gap: 64px;
    align-items: center;
  }

  body.page-money-smart .final-photo {
    aspect-ratio: 4/5;
    background: linear-gradient(180deg, var(--teal-soft) 0%, var(--teal-deep) 100%);
    border-radius: 12px;
    position: relative;
    overflow: hidden;
    box-shadow: 0 24px 60px -20px rgba(0,0,0,0.5);
  }

  body.page-money-smart .final-photo img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
  }

  body.page-money-smart .final-photo-placeholder {
    width: 100%;
    height: 100%;
    display: flex;
    align-items: center;
    justify-content: center;
    color: rgba(255,255,255,0.4);
    font-size: 13px;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    background:
      radial-gradient(ellipse at 30% 30%, rgba(184, 92, 56, 0.18) 0%, transparent 60%),
      var(--teal-deep);
  }

  body.page-money-smart .final-headline {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(32px, 3.4vw, 44px);
    line-height: 1.1;
    letter-spacing: -0.022em;
    color: #fff;
    margin-bottom: 22px;
  }

  body.page-money-smart .final-headline em { font-style: italic; color: var(--terracotta-soft); }

  body.page-money-smart .final-support {
    font-size: 17px;
    line-height: 1.65;
    color: rgba(255,255,255,0.78);
    margin-bottom: 32px;
    max-width: 540px;
  }

  body.page-money-smart .final-ctas {
    display: flex;
    gap: 16px;
    align-items: center;
    margin-bottom: 18px;
    flex-wrap: wrap;
  }

  body.page-money-smart .final-reassurance { font-size: 13px; color: rgba(255,255,255,0.55); }


  body.page-money-smart /* ============== FOOTER ============== */
  footer.site-footer {
    background: var(--teal-deep);
    color: rgba(255,255,255,0.78);
    padding: 72px 32px 28px;
    border-top: 1px solid rgba(255,255,255,0.06);
  }

  body.page-money-smart .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-money-smart .footer-grid {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
    gap: 48px;
    margin-bottom: 56px;
  }

  body.page-money-smart .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-money-smart .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-money-smart .footer-tagline {
    font-size: 14px;
    line-height: 1.6;
    color: rgba(255,255,255,0.65);
    margin: 14px 0 18px;
    max-width: 280px;
  }

  body.page-money-smart .footer-credentials {
    font-size: 11.5px;
    color: rgba(255,255,255,0.5);
    line-height: 1.6;
    margin-bottom: 22px;
  }

  body.page-money-smart .footer-socials { display: flex; gap: 12px; }

  body.page-money-smart .footer-socials a {
    width: 34px; height: 34px;
    border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.15);
    display: flex; align-items: center; justify-content: center;
    color: rgba(255,255,255,0.7);
    transition: all 0.25s ease;
  }

  body.page-money-smart .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-money-smart .footer-socials svg { width: 14px; height: 14px; }


  body.page-money-smart .footer-col h5 {
    color: #fff;
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 15px;
    margin-bottom: 18px;
    letter-spacing: -0.005em;
  }

  body.page-money-smart .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-money-smart .footer-col ul a {
    color: rgba(255,255,255,0.65);
    text-decoration: none;
    font-size: 13.5px;
    transition: color 0.2s;
  }

  body.page-money-smart .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-money-smart .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-money-smart .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }


  body.page-money-smart .footer-bottom {
    border-top: 1px solid rgba(255,255,255,0.1);
    padding-top: 28px;
    display: flex;
    flex-wrap: wrap;
    justify-content: space-between;
    align-items: center;
    gap: 18px;
    font-size: 12px;
    color: rgba(255,255,255,0.45);
  }

  body.page-money-smart .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-money-smart .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-money-smart .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-money-smart .ehl-badge {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: 11px;
    letter-spacing: 0.08em;
    text-transform: uppercase;
  }

  body.page-money-smart .ehl-icon {
    width: 22px; height: 22px;
    border: 1px solid rgba(255,255,255,0.5);
    border-radius: 50%;
    display: flex; align-items: center; justify-content: center;
    font-size: 11px; font-weight: 700;
  }


  body.page-money-smart /* Sticky mobile CTA */
  .sticky-mobile-cta {
    display: none;
    position: fixed;
    bottom: 0;
    left: 0;
    right: 0;
    z-index: 50;
    background: var(--teal-deep);
    padding: 12px 16px;
    box-shadow: 0 -8px 24px rgba(0,0,0,0.18);
  }

  body.page-money-smart .sticky-mobile-cta .btn { width: 100%; }


  body.page-money-smart /* ============== RESPONSIVE ============== */
  @media (max-width: 1080px) {
    .card-grid { grid-template-columns: repeat(2, 1fr); }
    .final-cta-inner { grid-template-columns: 1fr; gap: 40px; }
    .final-photo { max-width: 360px; margin: 0 auto; }
    .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
  }

  @media (max-width: 720px) {
body.page-money-smart .block { padding: 64px 20px; }

    body.page-money-smart .hero-wrap { padding: 56px 20px 64px; }

    body.page-money-smart .final-cta-photo { padding: 64px 20px; }

    body.page-money-smart .utility-rates .rate-label { display: none; }

    body.page-money-smart nav.main-nav,
body.page-money-smart .header-ctas .btn-primary { display: none; }

    body.page-money-smart .card-grid { grid-template-columns: 1fr; }

    body.page-money-smart .card-grid.cols-2 { grid-template-columns: 1fr; }

    body.page-money-smart .footer-grid { grid-template-columns: 1fr; }

    body.page-money-smart .sticky-mobile-cta { display: block; }

    body.page-money-smart { padding-bottom: 76px; }

    body.page-money-smart .final-ctas,
body.page-money-smart .hero-ctas { flex-direction: column; align-items: stretch; }

    body.page-money-smart .final-ctas .btn,
body.page-money-smart .hero-ctas .btn { width: 100%; }

    body.page-money-smart .footer-bottom { flex-direction: column; align-items: flex-start; }

    body.page-money-smart .trust-strip { gap: 20px; }
}


  @media (prefers-reduced-motion: reduce) {
body.page-money-smart *,
body.page-money-smart *::before,
body.page-money-smart *::after {
      animation-duration: 0.01ms !important;
      transition-duration: 0.01ms !important;
    }
}


/* ===== Source: loan-options-hub-final.html (body.page-loan-options) ===== */
body.page-loan-options {
    --bg: #F8F4ED; --bg-card: #FFFFFF; --bg-warm: #F1EBDF; --bg-deep: #EAE0CC;
    --ink: #2A2520; --ink-soft: #5A524A; --ink-muted: #8A8278;
    --teal: #1B3A4B; --teal-deep: #122833; --teal-soft: #3A6478;
    --terracotta: #B85C38; --terracotta-soft: #D88562; --terracotta-deep: #8a4226;
    --line: #E5DCC9; --line-soft: #EFE7D6;
  }

  body.page-loan-options * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }

  body.page-loan-options { font-family: 'Manrope', sans-serif; background: var(--bg); color: var(--ink); line-height: 1.6; font-size: 16px; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }

  body.page-loan-options a { color: inherit; }


  body.page-loan-options /* UTILITY BAR */
  .utility-bar { background: var(--teal-deep); color: rgba(255,255,255,0.78); font-size: 11.5px; font-weight: 500; letter-spacing: 0.02em; border-bottom: 1px solid rgba(255,255,255,0.06); padding: 0 32px; }

  body.page-loan-options .utility-inner { max-width: 1240px; margin: 0 auto; padding: 7px 0; display: flex; align-items: center; gap: 24px; }

  body.page-loan-options .utility-rates { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

  body.page-loan-options .utility-rates .rate-label { color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.16em; font-size: 10px; font-weight: 600; }

  body.page-loan-options .utility-rates .rate-pair { display: inline-flex; align-items: baseline; gap: 6px; }

  body.page-loan-options .utility-rates .rate-term { color: rgba(255,255,255,0.6); font-size: 10.5px; text-transform: uppercase; letter-spacing: 0.14em; font-weight: 600; }

  body.page-loan-options .utility-rates .rate-val { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 13.5px; }

  body.page-loan-options .utility-rates .rate-sep { color: rgba(255,255,255,0.25); }

  body.page-loan-options .utility-rates a.rate-source { color: rgba(255,255,255,0.55); text-decoration: none; font-size: 10.5px; transition: color 0.2s; }

  body.page-loan-options .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }


  body.page-loan-options /* HEADER */
  .site-header { position: sticky; top: 0; z-index: 100; background: rgba(248,244,237,0.92); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line-soft); padding: 0 32px; }

  body.page-loan-options .header-inner { max-width: 1240px; margin: 0 auto; padding: 18px 0; display: flex; align-items: center; justify-content: space-between; gap: 32px; }

  body.page-loan-options .logo { display: flex; align-items: baseline; gap: 12px; text-decoration: none; color: var(--ink); }

  body.page-loan-options .logo-mark { font-family: 'Fraunces', serif; font-size: 24px; font-weight: 500; letter-spacing: -0.02em; color: var(--teal-deep); line-height: 1; }

  body.page-loan-options .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-loan-options nav.main-nav { display: flex; gap: 30px; }

  body.page-loan-options nav.main-nav a { color: var(--ink-soft); text-decoration: none; font-size: 14px; font-weight: 500; position: relative; padding: 4px 0; transition: color 0.2s; }

  body.page-loan-options nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-loan-options nav.main-nav a.active { color: var(--teal-deep); }

  body.page-loan-options nav.main-nav a.active::after { content: ''; position: absolute; bottom: 0; left: 0; width: 100%; height: 1px; background: var(--terracotta); }

  body.page-loan-options nav.main-nav a.has-dropdown::before { content: '⌄'; position: absolute; right: -12px; top: 2px; font-size: 10px; color: var(--ink-muted); }

  body.page-loan-options .header-ctas { display: flex; gap: 12px; align-items: center; }


  body.page-loan-options /* Buttons */
  .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 11px 20px; border: none; border-radius: 8px; font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; text-decoration: none; transition: all 0.18s ease; line-height: 1; white-space: nowrap; }

  body.page-loan-options .btn-primary { background: var(--teal-deep); color: #fff; }

  body.page-loan-options .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-loan-options .btn-quiet { background: transparent; color: var(--ink-soft); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: var(--line); padding: 11px 0; }

  body.page-loan-options .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-loan-options .btn-lg { padding: 15px 26px; font-size: 14px; }

  body.page-loan-options .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-loan-options .btn-arrow:hover svg { transform: translateX(3px); }

  body.page-loan-options .btn-primary-light { background: #fff; color: var(--teal-deep); }

  body.page-loan-options .btn-primary-light:hover { background: var(--bg-warm); transform: translateY(-1px); }


  body.page-loan-options .eyebrow { display: inline-flex; align-items: center; gap: 12px; font-size: 11px; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 22px; }

  body.page-loan-options .eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--terracotta); }

  body.page-loan-options .eyebrow.centered { justify-content: center; margin-left: auto; margin-right: auto; }

  body.page-loan-options .eyebrow.centered::before { display: none; }

  body.page-loan-options .eyebrow.on-dark { color: var(--terracotta-soft); }

  body.page-loan-options .eyebrow.on-dark::before { background: var(--terracotta-soft); }


  body.page-loan-options /* BREADCRUMB */
  .breadcrumb-bar { background: var(--bg-warm); border-bottom: 1px solid var(--line); padding: 12px 32px; }

  body.page-loan-options .breadcrumb-inner { max-width: 1240px; margin: 0 auto; font-size: 12px; color: var(--ink-muted); }

  body.page-loan-options .breadcrumb-inner a { color: var(--ink-soft); text-decoration: none; font-weight: 500; transition: color 0.18s; }

  body.page-loan-options .breadcrumb-inner a:hover { color: var(--terracotta); }

  body.page-loan-options .breadcrumb-inner .sep { margin: 0 8px; color: var(--line); }

  body.page-loan-options .breadcrumb-inner .current { color: var(--ink); font-weight: 600; }


  body.page-loan-options /* HERO — Centered V1 (no CTAs per locked decision) */
  .hero-wrap { background: var(--bg); position: relative; overflow: hidden; padding: 84px 32px 72px; }

  body.page-loan-options .hero-wrap::before { content: ''; position: absolute; top: -20%; right: -10%; width: 60%; height: 140%; background: radial-gradient(ellipse, rgba(184,92,56,0.10) 0%, transparent 60%); pointer-events: none; }

  body.page-loan-options .hero-wrap::after { content: ''; position: absolute; bottom: -30%; left: -10%; width: 50%; height: 90%; background: radial-gradient(ellipse, rgba(27,58,75,0.06) 0%, transparent 65%); pointer-events: none; }

  body.page-loan-options .hero-inner { position: relative; max-width: 880px; margin: 0 auto; text-align: center; z-index: 2; }

  body.page-loan-options .hero-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(38px, 4.4vw, 58px); line-height: 1.04; letter-spacing: -0.024em; color: var(--ink); margin-bottom: 22px; }

  body.page-loan-options .hero-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-loan-options .hero-support { font-size: 18px; line-height: 1.65; color: var(--ink-soft); margin: 0 auto 28px; max-width: 720px; }

  body.page-loan-options .hero-bullets { list-style: none; margin: 0 auto 32px; padding: 0; max-width: 600px; text-align: left; }

  body.page-loan-options .hero-bullets li { font-size: 15px; line-height: 1.6; color: var(--ink-soft); padding: 7px 0 7px 26px; position: relative; }

  body.page-loan-options .hero-bullets li::before { content: ''; position: absolute; left: 0; top: 17px; width: 14px; height: 1.5px; background: var(--terracotta); }


  body.page-loan-options /* TRUST STRIP */
  .trust-strip { padding-top: 32px; border-top: 1px solid var(--line); display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; max-width: 720px; margin: 0 auto; }

  body.page-loan-options .trust-item { text-align: center; }

  body.page-loan-options .trust-item .trust-num { font-family: 'Fraunces', serif; font-size: 30px; font-weight: 500; color: var(--teal-deep); line-height: 1.05; letter-spacing: -0.01em; margin-bottom: 6px; }

  body.page-loan-options .trust-item.small-num .trust-num { font-size: 16px; line-height: 1.3; padding-top: 6px; }

  body.page-loan-options .trust-item .trust-label { font-size: 10px; font-weight: 600; color: var(--ink-muted); text-transform: uppercase; letter-spacing: 0.12em; line-height: 1.35; }


  body.page-loan-options /* STATES RIBBON (left-aligned, matching home/Buy a Home pattern) */
  .states-ribbon { background: var(--bg); padding: 28px 32px; border-top: 1px solid var(--line-soft); border-bottom: 1px solid var(--line-soft); }

  body.page-loan-options .states-inner { max-width: 1240px; margin: 0 auto; display: flex; align-items: center; gap: 28px; flex-wrap: wrap; }

  body.page-loan-options .states-label { font-size: 10.5px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--terracotta); display: inline-flex; align-items: center; gap: 10px; flex-shrink: 0; }

  body.page-loan-options .states-label::before { content: ''; width: 18px; height: 1px; background: var(--terracotta); }

  body.page-loan-options .states-list { font-family: 'Fraunces', serif; font-size: 16px; font-weight: 500; color: var(--ink); letter-spacing: -0.005em; }

  body.page-loan-options .states-list span { color: var(--ink-muted); margin: 0 8px; font-style: italic; }


  body.page-loan-options /* BLOCK */
  .block { padding: 80px 32px; position: relative; }

  body.page-loan-options .block.warm { background: var(--bg-warm); }

  body.page-loan-options .block.cream { background: var(--bg); }

  body.page-loan-options .block-inner { max-width: 1240px; margin: 0 auto; }

  body.page-loan-options .block-head { text-align: center; margin-bottom: 48px; max-width: 820px; margin-left: auto; margin-right: auto; }

  body.page-loan-options .section-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(30px, 3.2vw, 42px); line-height: 1.08; letter-spacing: -0.022em; color: var(--ink); margin-bottom: 18px; }

  body.page-loan-options .section-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-loan-options .section-support { font-size: 16px; line-height: 1.65; color: var(--ink-soft); max-width: 700px; margin: 0 auto; }

  body.page-loan-options .section-support em { font-style: italic; color: var(--ink); }


  body.page-loan-options /* §2 — COMPARISON TABLE */
  .comparison-table-wrap {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 12px;
    box-shadow: 0 18px 44px -22px rgba(18,40,51,0.12);
    overflow-x: auto;
  }

  body.page-loan-options table.comparison-table { width: 100%; min-width: 980px; border-collapse: collapse; }

  body.page-loan-options table.comparison-table th,
body.page-loan-options table.comparison-table td { padding: 18px 16px; text-align: left; font-size: 13.5px; color: var(--ink-soft); border-bottom: 1px solid var(--line-soft); }

  body.page-loan-options table.comparison-table th { font-size: 11px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; color: var(--ink-muted); background: var(--bg-warm); border-bottom: 2px solid var(--line); vertical-align: bottom; }

  body.page-loan-options table.comparison-table th:first-child { border-top-left-radius: 10px; }

  body.page-loan-options table.comparison-table th:last-child { border-top-right-radius: 10px; }

  body.page-loan-options table.comparison-table th.product-header {
    color: var(--terracotta);
    font-family: 'Fraunces', serif;
    font-size: 18px;
    font-style: italic;
    font-weight: 500;
    letter-spacing: -0.005em;
    text-transform: none;
    padding-bottom: 8px;
  }

  body.page-loan-options table.comparison-table th.product-header small {
    display: block;
    font-size: 10px;
    font-style: normal;
    font-family: 'Manrope', sans-serif;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    color: var(--ink-muted);
    font-weight: 600;
    margin-top: 4px;
  }

  body.page-loan-options table.comparison-table tr:hover td { background: rgba(184,92,56,0.03); }

  body.page-loan-options table.comparison-table td:first-child { font-weight: 600; color: var(--ink); }

  body.page-loan-options table.comparison-table td.cell-val { color: var(--ink); font-weight: 500; }


  body.page-loan-options /* Per-column "Learn more" link at bottom of table */
  table.comparison-table tr.cta-row td { padding: 22px 16px 8px; border-bottom: none; }

  body.page-loan-options table.comparison-table tr.cta-row td:first-child { background: transparent; }

  body.page-loan-options table.comparison-table tr.cta-row a {
    display: inline-flex;
    align-items: center;
    gap: 6px;
    color: var(--terracotta);
    font-size: 13px;
    font-weight: 600;
    text-decoration: none;
    transition: gap 0.18s;
  }

  body.page-loan-options table.comparison-table tr.cta-row a:hover { gap: 10px; }

  body.page-loan-options table.comparison-table tr.cta-row a svg { width: 13px; height: 13px; }


  body.page-loan-options .table-footnote {
    text-align: center;
    font-size: 12px;
    color: var(--ink-muted);
    margin-top: 22px;
    font-style: italic;
  }


  body.page-loan-options /* §3 — DECISION AID (5 statements with destinations) */
  .decision-aid {
    max-width: 880px;
    margin: 0 auto;
  }

  body.page-loan-options .decision-list { display: flex; flex-direction: column; gap: 14px; }

  body.page-loan-options .decision-item {
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 28px;
    align-items: center;
    padding: 22px 28px;
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-left: 3px solid var(--terracotta);
    border-radius: 10px;
    transition: all 0.22s ease;
  }

  body.page-loan-options .decision-item:hover { transform: translateX(4px); border-color: var(--terracotta-soft); border-left-color: var(--terracotta); box-shadow: 0 8px 20px -10px rgba(18,40,51,0.12); }

  body.page-loan-options .decision-statement { font-size: 15.5px; line-height: 1.6; color: var(--ink-soft); }

  body.page-loan-options .decision-statement strong { color: var(--ink); font-weight: 600; display: block; margin-bottom: 4px; }

  body.page-loan-options .decision-result {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    padding: 8px 14px;
    background: var(--bg-warm);
    color: var(--terracotta);
    border-radius: 999px;
    font-size: 11.5px;
    font-weight: 700;
    letter-spacing: 0.14em;
    text-transform: uppercase;
    white-space: nowrap;
  }

  body.page-loan-options .decision-result svg { width: 12px; height: 12px; }


  body.page-loan-options .decision-aid-cta {
    text-align: center;
    margin-top: 40px;
  }

  body.page-loan-options .decision-aid-cta .reassurance {
    font-size: 13px;
    color: var(--ink-muted);
    margin-top: 14px;
  }


  body.page-loan-options /* §4 — PUW REFERENCE WASH */
  .puw-wash {
    background: linear-gradient(180deg, rgba(184,92,56,0.06) 0%, rgba(184,92,56,0.03) 100%);
    border-top: 1px solid var(--line);
    border-bottom: 1px solid var(--line);
    padding: 88px 32px;
  }

  body.page-loan-options .puw-inner {
    max-width: 880px;
    margin: 0 auto;
    text-align: center;
  }

  body.page-loan-options .puw-inner h2 {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(28px, 3.2vw, 40px);
    line-height: 1.08;
    letter-spacing: -0.022em;
    color: var(--ink);
    margin-bottom: 22px;
  }

  body.page-loan-options .puw-inner h2 em { font-style: italic; color: var(--terracotta); }

  body.page-loan-options .puw-inner p { font-size: 16.5px; line-height: 1.7; color: var(--ink-soft); margin-bottom: 14px; max-width: 760px; margin-left: auto; margin-right: auto; }

  body.page-loan-options .puw-inner p:last-of-type { margin-bottom: 28px; }

  body.page-loan-options .puw-inner p strong { color: var(--ink); font-weight: 600; }


  body.page-loan-options /* §5 — FAQ */
  .faq-list { max-width: 820px; margin: 0 auto; }

  body.page-loan-options .faq-item { border-bottom: 1px solid var(--line); padding: 24px 0; }

  body.page-loan-options .faq-item:first-child { border-top: 1px solid var(--line); }

  body.page-loan-options .faq-question {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 19px;
    line-height: 1.3;
    color: var(--ink);
    margin-bottom: 12px;
    letter-spacing: -0.012em;
  }

  body.page-loan-options .faq-answer { font-size: 15px; line-height: 1.7; color: var(--ink-soft); }


  body.page-loan-options /* §6 — FINAL CTA (photo) */
  .final-cta { background: var(--teal-deep); color: #fff; padding: 88px 32px; position: relative; overflow: hidden; }

  body.page-loan-options .final-cta::before { content: ''; position: absolute; top: -30%; right: -10%; width: 50%; height: 130%; background: radial-gradient(ellipse, rgba(184,92,56,0.14) 0%, transparent 55%); pointer-events: none; }

  body.page-loan-options .final-cta::after { content: ''; position: absolute; bottom: -30%; left: -10%; width: 50%; height: 90%; background: radial-gradient(ellipse, rgba(58,100,120,0.18) 0%, transparent 65%); pointer-events: none; }

  body.page-loan-options .final-cta-inner { position: relative; z-index: 2; max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 320px 1fr; gap: 56px; align-items: center; }

  body.page-loan-options .final-photo {
    aspect-ratio: 4/5;
    background: linear-gradient(180deg, var(--teal-soft) 0%, var(--teal-deep) 100%);
    border-radius: 14px;
    overflow: hidden;
    box-shadow: 0 30px 60px -20px rgba(0,0,0,0.5);
    position: relative;
  }

  body.page-loan-options .final-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 25%; display: block; }

  body.page-loan-options .final-photo-placeholder {
    width: 100%; height: 100%;
    display: flex; align-items: center; justify-content: center;
    color: rgba(255,255,255,0.4); font-size: 12px; letter-spacing: 0.1em; text-transform: uppercase;
    background: radial-gradient(ellipse at 30% 30%, rgba(184,92,56,0.18) 0%, transparent 60%), var(--teal-deep);
  }

  body.page-loan-options .final-cta h2 {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-size: clamp(28px, 3.2vw, 40px);
    line-height: 1.08;
    letter-spacing: -0.022em;
    color: #fff;
    margin-bottom: 18px;
  }

  body.page-loan-options .final-cta h2 em { font-style: italic; color: var(--terracotta-soft); }

  body.page-loan-options .final-cta p { font-size: 16px; line-height: 1.65; color: rgba(255,255,255,0.78); margin-bottom: 28px; max-width: 560px; }

  body.page-loan-options .final-ctas { display: flex; gap: 16px; align-items: center; margin-bottom: 16px; flex-wrap: wrap; }

  body.page-loan-options .btn-quiet-light { background: transparent; color: rgba(255,255,255,0.7); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: rgba(255,255,255,0.25); padding: 11px 0; }

  body.page-loan-options .btn-quiet-light:hover { color: var(--terracotta-soft); text-decoration-color: var(--terracotta-soft); }

  body.page-loan-options .final-reassurance { font-size: 13px; color: rgba(255,255,255,0.55); }


  body.page-loan-options /* PAGE FOOTNOTE — italic disclaimer band */
  .page-footnote { background: var(--bg-warm); border-top: 1px solid var(--line); padding: 24px 32px; }

  body.page-loan-options .page-footnote-inner { max-width: 1100px; margin: 0 auto; font-size: 11.5px; line-height: 1.65; color: var(--ink-muted); font-style: italic; text-align: center; }


  body.page-loan-options /* FOOTER */
  footer.site-footer { background: var(--teal-deep); color: rgba(255,255,255,0.78); padding: 72px 32px 28px; border-top: 1px solid rgba(255,255,255,0.06); }

  body.page-loan-options .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-loan-options .footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 56px; }

  body.page-loan-options .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-loan-options .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-loan-options .footer-tagline { font-size: 14px; line-height: 1.6; color: rgba(255,255,255,0.65); margin: 14px 0 18px; max-width: 280px; }

  body.page-loan-options .footer-credentials { font-size: 11.5px; color: rgba(255,255,255,0.5); line-height: 1.6; margin-bottom: 22px; }

  body.page-loan-options .footer-socials { display: flex; gap: 12px; }

  body.page-loan-options .footer-socials a { width: 34px; height: 34px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.15); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); transition: all 0.25s ease; }

  body.page-loan-options .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-loan-options .footer-socials svg { width: 14px; height: 14px; }

  body.page-loan-options .footer-col h5 { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 15px; margin-bottom: 18px; letter-spacing: -0.005em; }

  body.page-loan-options .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-loan-options .footer-col ul a { color: rgba(255,255,255,0.65); text-decoration: none; font-size: 13.5px; transition: color 0.2s; }

  body.page-loan-options .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-loan-options .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-loan-options .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }

  body.page-loan-options .footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 28px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 18px; font-size: 12px; color: rgba(255,255,255,0.45); }

  body.page-loan-options .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-loan-options .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-loan-options .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-loan-options .ehl-badge { display: inline-flex; align-items: center; gap: 8px; font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; }

  body.page-loan-options .ehl-icon { width: 22px; height: 22px; border: 1px solid rgba(255,255,255,0.5); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 700; }


  body.page-loan-options /* STICKY MOBILE CTA */
  .sticky-mobile-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 50; background: var(--teal-deep); padding: 12px 16px; box-shadow: 0 -8px 24px rgba(0,0,0,0.18); }

  body.page-loan-options .sticky-mobile-cta .btn { width: 100%; background: #fff; color: var(--teal-deep); }

  body.page-loan-options .sticky-mobile-cta .btn:hover { background: var(--bg-warm); }


  @media (max-width: 980px) {
body.page-loan-options .trust-strip { grid-template-columns: repeat(4, 1fr); }

    body.page-loan-options .final-cta-inner { grid-template-columns: 1fr; gap: 32px; }

    body.page-loan-options .final-photo { max-width: 280px; margin: 0 auto; }

    body.page-loan-options .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }

    body.page-loan-options .decision-item { grid-template-columns: 1fr; gap: 12px; }

    body.page-loan-options .decision-result { justify-self: start; }
}

  @media (max-width: 720px) {
body.page-loan-options .hero-wrap { padding: 56px 20px 48px; }

    body.page-loan-options .block { padding: 56px 20px; }

    body.page-loan-options .puw-wash { padding: 56px 20px; }

    body.page-loan-options .final-cta { padding: 56px 20px; }

    body.page-loan-options .trust-strip { grid-template-columns: repeat(2, 1fr); gap: 24px; }

    body.page-loan-options .utility-rates .rate-label { display: none; }

    body.page-loan-options nav.main-nav,
body.page-loan-options .header-ctas .btn-primary { display: none; }

    body.page-loan-options .footer-grid { grid-template-columns: 1fr; }

    body.page-loan-options .sticky-mobile-cta { display: block; }

    body.page-loan-options { padding-bottom: 76px; }

    body.page-loan-options .final-ctas { flex-direction: column; align-items: stretch; }

    body.page-loan-options .final-ctas .btn { width: 100%; }

    body.page-loan-options .footer-bottom { flex-direction: column; align-items: flex-start; }

    body.page-loan-options .states-inner { gap: 14px; }

    body.page-loan-options .states-list { font-size: 14px; }

    body.page-loan-options .states-list span { margin: 0 4px; }
}

  @media (prefers-reduced-motion: reduce) {
body.page-loan-options *,
body.page-loan-options *::before,
body.page-loan-options *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}


/* ===== Source: loan-options-fha-final.html (body.page-loan-option.page-loan-option-fha) ===== */
body.page-loan-option.page-loan-option-fha {
    --bg: #F8F4ED; --bg-card: #FFFFFF; --bg-warm: #F1EBDF; --bg-deep: #EAE0CC;
    --ink: #2A2520; --ink-soft: #5A524A; --ink-muted: #8A8278;
    --teal: #1B3A4B; --teal-deep: #122833; --teal-soft: #3A6478;
    --terracotta: #B85C38; --terracotta-soft: #D88562; --terracotta-deep: #8a4226;
    --line: #E5DCC9; --line-soft: #EFE7D6;
  }

  body.page-loan-option.page-loan-option-fha * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }

  body.page-loan-option.page-loan-option-fha { font-family: 'Manrope', sans-serif; background: var(--bg); color: var(--ink); line-height: 1.6; font-size: 16px; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }

  body.page-loan-option.page-loan-option-fha a { color: inherit; }


  body.page-loan-option.page-loan-option-fha /* UTILITY BAR */
  .utility-bar { background: var(--teal-deep); color: rgba(255,255,255,0.78); font-size: 11.5px; font-weight: 500; letter-spacing: 0.02em; border-bottom: 1px solid rgba(255,255,255,0.06); padding: 0 32px; }

  body.page-loan-option.page-loan-option-fha .utility-inner { max-width: 1240px; margin: 0 auto; padding: 7px 0; display: flex; align-items: center; gap: 24px; }

  body.page-loan-option.page-loan-option-fha .utility-rates { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

  body.page-loan-option.page-loan-option-fha .utility-rates .rate-label { color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.16em; font-size: 10px; font-weight: 600; }

  body.page-loan-option.page-loan-option-fha .utility-rates .rate-pair { display: inline-flex; align-items: baseline; gap: 6px; }

  body.page-loan-option.page-loan-option-fha .utility-rates .rate-term { color: rgba(255,255,255,0.6); font-size: 10.5px; text-transform: uppercase; letter-spacing: 0.14em; font-weight: 600; }

  body.page-loan-option.page-loan-option-fha .utility-rates .rate-val { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 13.5px; letter-spacing: -0.005em; }

  body.page-loan-option.page-loan-option-fha .utility-rates .rate-sep { color: rgba(255,255,255,0.25); }

  body.page-loan-option.page-loan-option-fha .utility-rates a.rate-source { color: rgba(255,255,255,0.55); text-decoration: none; font-size: 10.5px; letter-spacing: 0.04em; transition: color 0.2s; }

  body.page-loan-option.page-loan-option-fha .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }


  body.page-loan-option.page-loan-option-fha /* HEADER */
  .site-header { position: sticky; top: 0; z-index: 100; background: rgba(248,244,237,0.92); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line-soft); padding: 0 32px; }

  body.page-loan-option.page-loan-option-fha .header-inner { max-width: 1240px; margin: 0 auto; padding: 18px 0; display: flex; align-items: center; justify-content: space-between; gap: 32px; }

  body.page-loan-option.page-loan-option-fha .logo { display: flex; align-items: baseline; gap: 12px; text-decoration: none; color: var(--ink); }

  body.page-loan-option.page-loan-option-fha .logo-mark { font-family: 'Fraunces', serif; font-size: 24px; font-weight: 500; letter-spacing: -0.02em; color: var(--teal-deep); line-height: 1; }

  body.page-loan-option.page-loan-option-fha .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-loan-option.page-loan-option-fha nav.main-nav { display: flex; gap: 30px; }

  body.page-loan-option.page-loan-option-fha nav.main-nav a { color: var(--ink-soft); text-decoration: none; font-size: 14px; font-weight: 500; position: relative; padding: 4px 0; transition: color 0.2s; }

  body.page-loan-option.page-loan-option-fha nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-loan-option.page-loan-option-fha nav.main-nav a.active { color: var(--teal-deep); }

  body.page-loan-option.page-loan-option-fha nav.main-nav a.active::after { content: ''; position: absolute; bottom: 0; left: 0; width: 100%; height: 1px; background: var(--terracotta); }

  body.page-loan-option.page-loan-option-fha nav.main-nav a::after { content: ''; position: absolute; bottom: 0; left: 0; width: 0; height: 1px; background: var(--terracotta); transition: width 0.3s ease; }

  body.page-loan-option.page-loan-option-fha nav.main-nav a:hover::after { width: 100%; }

  body.page-loan-option.page-loan-option-fha nav.main-nav a.has-dropdown::before { content: '⌄'; position: absolute; right: -12px; top: 2px; font-size: 10px; color: var(--ink-muted); }

  body.page-loan-option.page-loan-option-fha .header-ctas { display: flex; gap: 12px; align-items: center; }


  body.page-loan-option.page-loan-option-fha /* BUTTONS */
  .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 11px 20px; border: none; border-radius: 8px; font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; text-decoration: none; transition: all 0.18s ease; line-height: 1; white-space: nowrap; }

  body.page-loan-option.page-loan-option-fha .btn-primary { background: var(--teal-deep); color: #fff; }

  body.page-loan-option.page-loan-option-fha .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-loan-option.page-loan-option-fha .btn-quiet { background: transparent; color: var(--ink-soft); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: var(--line); padding: 11px 0; }

  body.page-loan-option.page-loan-option-fha .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-loan-option.page-loan-option-fha .btn-lg { padding: 15px 26px; font-size: 14px; }

  body.page-loan-option.page-loan-option-fha .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-loan-option.page-loan-option-fha .btn-arrow:hover svg { transform: translateX(3px); }

  body.page-loan-option.page-loan-option-fha .btn-primary-light { background: #fff; color: var(--teal-deep); }

  body.page-loan-option.page-loan-option-fha .btn-primary-light:hover { background: var(--bg-warm); transform: translateY(-1px); }

  body.page-loan-option.page-loan-option-fha .btn-quiet-light { background: transparent; color: rgba(255,255,255,0.7); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: rgba(255,255,255,0.25); padding: 11px 0; }

  body.page-loan-option.page-loan-option-fha .btn-quiet-light:hover { color: var(--terracotta-soft); text-decoration-color: var(--terracotta-soft); }


  body.page-loan-option.page-loan-option-fha /* TYPOGRAPHY */
  .eyebrow { display: inline-flex; align-items: center; gap: 12px; font-size: 11px; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 22px; }

  body.page-loan-option.page-loan-option-fha .eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--terracotta); }

  body.page-loan-option.page-loan-option-fha .eyebrow.centered { justify-content: center; margin-left: auto; margin-right: auto; }

  body.page-loan-option.page-loan-option-fha .eyebrow.centered::before { display: none; }

  body.page-loan-option.page-loan-option-fha .eyebrow.on-dark { color: var(--terracotta-soft); }

  body.page-loan-option.page-loan-option-fha .eyebrow.on-dark::before { background: var(--terracotta-soft); }

  body.page-loan-option.page-loan-option-fha .section-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(32px, 3.4vw, 46px); line-height: 1.08; letter-spacing: -0.022em; color: var(--ink); margin-bottom: 22px; }

  body.page-loan-option.page-loan-option-fha .section-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-loan-option.page-loan-option-fha .section-support { font-size: 17px; line-height: 1.65; color: var(--ink-soft); max-width: 680px; margin: 0 auto 48px; }


  body.page-loan-option.page-loan-option-fha /* ============== §1 HERO — TWO-COLUMN (copy left, form right) ============== */
  .hero-wrap { background: var(--bg); position: relative; overflow: hidden; padding: 80px 32px 72px; }

  body.page-loan-option.page-loan-option-fha .hero-wrap::before { content: ''; position: absolute; top: -20%; right: -10%; width: 60%; height: 140%; background: radial-gradient(ellipse, rgba(184,92,56,0.10) 0%, transparent 60%); pointer-events: none; }

  body.page-loan-option.page-loan-option-fha .hero-wrap::after { content: ''; position: absolute; bottom: -30%; left: -10%; width: 50%; height: 90%; background: radial-gradient(ellipse, rgba(27,58,75,0.06) 0%, transparent 65%); pointer-events: none; }

  body.page-loan-option.page-loan-option-fha .hero-inner { position: relative; max-width: 1240px; margin: 0 auto; z-index: 2; }

  body.page-loan-option.page-loan-option-fha .hero-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 64px; align-items: stretch; }

  body.page-loan-option.page-loan-option-fha .hero-content { text-align: left; display: flex; flex-direction: column; }

  body.page-loan-option.page-loan-option-fha .hero-content .eyebrow { justify-content: flex-start; }

  body.page-loan-option.page-loan-option-fha .hero-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(34px, 3.6vw, 50px); line-height: 1.06; letter-spacing: -0.024em; color: var(--ink); margin-bottom: 22px; }

  body.page-loan-option.page-loan-option-fha .hero-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-loan-option.page-loan-option-fha .hero-support { font-size: 17px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 28px; }

  body.page-loan-option.page-loan-option-fha .hero-bullets { list-style: none; margin: 0 0 28px; }

  body.page-loan-option.page-loan-option-fha .hero-bullets li { font-size: 15px; line-height: 1.6; color: var(--ink-soft); padding: 7px 0 7px 26px; position: relative; }

  body.page-loan-option.page-loan-option-fha .hero-bullets li::before { content: ''; position: absolute; left: 0; top: 17px; width: 14px; height: 1.5px; background: var(--terracotta); }


  body.page-loan-option.page-loan-option-fha /* Trust strip — matches home final exactly (pinned to bottom of left column) */
  .trust-strip {
    margin-top: auto;
    padding-top: 24px;
    border-top: 1px solid var(--line);
    display: grid;
    grid-template-columns: repeat(4, 1fr);
    gap: 12px;
  }

  body.page-loan-option.page-loan-option-fha .trust-item .trust-num {
    font-family: 'Fraunces', serif;
    font-size: 28px;
    font-weight: 500;
    color: var(--teal-deep);
    line-height: 1.05;
    letter-spacing: -0.01em;
    margin-bottom: 4px;
  }

  body.page-loan-option.page-loan-option-fha .trust-item .trust-label {
    font-size: 10px;
    font-weight: 600;
    color: var(--ink-muted);
    text-transform: uppercase;
    letter-spacing: 0.12em;
    line-height: 1.3;
  }


  body.page-loan-option.page-loan-option-fha /* HERO FORM CARD — Variant C — Quote intake */
  .hero-form-card {
    background: var(--bg-card); border: 1px solid var(--line); border-radius: 16px;
    padding: 36px 34px; box-shadow: 0 24px 60px -28px rgba(18,40,51,0.16), 0 4px 18px -6px rgba(18,40,51,0.06);
    position: relative;
    align-self: start;
  }

  body.page-loan-option.page-loan-option-fha .hero-form-card .form-eyebrow { font-size: 10.5px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 12px; }

  body.page-loan-option.page-loan-option-fha .hero-form-card .form-title { font-family: 'Fraunces', serif; font-weight: 500; font-size: 22px; line-height: 1.2; color: var(--ink); margin-bottom: 8px; letter-spacing: -0.012em; }

  body.page-loan-option.page-loan-option-fha .hero-form-card .form-sub { font-size: 14px; line-height: 1.55; color: var(--ink-soft); margin-bottom: 24px; }

  body.page-loan-option.page-loan-option-fha .form-row { margin-bottom: 14px; }

  body.page-loan-option.page-loan-option-fha .form-row label { display: block; font-size: 11.5px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-muted); margin-bottom: 6px; }

  body.page-loan-option.page-loan-option-fha .form-row input,
body.page-loan-option.page-loan-option-fha .form-row select,
body.page-loan-option.page-loan-option-fha .form-row textarea { width: 100%; background: var(--bg); border: 1px solid var(--line); color: var(--ink); padding: 11px 14px; border-radius: 8px; font-family: inherit; font-size: 14.5px; transition: all 0.18s; }

  body.page-loan-option.page-loan-option-fha .form-row input:focus,
body.page-loan-option.page-loan-option-fha .form-row select:focus,
body.page-loan-option.page-loan-option-fha .form-row textarea:focus { outline: none; border-color: var(--terracotta); background: #fff; }

  body.page-loan-option.page-loan-option-fha .form-row select { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23B85C38' stroke-width='2'><path d='M6 9l6 6 6-6'/></svg>"); background-repeat: no-repeat; background-position: right 12px center; background-size: 16px; padding-right: 36px; }

  body.page-loan-option.page-loan-option-fha .form-row-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

  body.page-loan-option.page-loan-option-fha .form-submit { width: 100%; margin-top: 6px; }

  body.page-loan-option.page-loan-option-fha .form-note { font-size: 11.5px; color: var(--ink-muted); margin-top: 12px; text-align: center; }

  body.page-loan-option.page-loan-option-fha .form-note strong { color: var(--ink-soft); font-weight: 600; }

  body.page-loan-option.page-loan-option-fha .form-disabled-note {
    margin-top: 14px; padding: 8px 12px;
    background: rgba(184,92,56,0.08); border-left: 2px solid var(--terracotta);
    font-size: 11px; font-style: italic; color: var(--ink-muted);
    border-radius: 0 4px 4px 0;
  }


  body.page-loan-option.page-loan-option-fha /* ============== STATES RIBBON — matches home final exactly (LEFT-ALIGNED) ============== */
  .states-ribbon {
    background: var(--bg-deep);
    border-top: 1px solid var(--line);
    border-bottom: 2px solid var(--line);
    padding: 16px 32px;
  }

  body.page-loan-option.page-loan-option-fha .states-inner {
    max-width: 1240px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 28px;
    flex-wrap: wrap;
  }

  body.page-loan-option.page-loan-option-fha .states-label {
    font-size: 11px;
    font-weight: 600;
    color: var(--terracotta);
    text-transform: uppercase;
    letter-spacing: 0.22em;
    display: inline-flex;
    align-items: center;
    gap: 12px;
    flex-shrink: 0;
  }

  body.page-loan-option.page-loan-option-fha .states-label::before {
    content: '';
    width: 24px;
    height: 1px;
    background: var(--terracotta);
  }

  body.page-loan-option.page-loan-option-fha .states-list {
    display: flex;
    align-items: center;
    gap: 14px;
    flex-wrap: wrap;
    font-size: 13px;
    font-weight: 500;
    color: var(--ink);
  }

  body.page-loan-option.page-loan-option-fha .states-list .sep { color: var(--terracotta); font-weight: 400; }


  body.page-loan-option.page-loan-option-fha /* BLOCK */
  .block { padding: 88px 32px; position: relative; }

  body.page-loan-option.page-loan-option-fha .block.warm { background: var(--bg-warm); }

  body.page-loan-option.page-loan-option-fha .block.cream { background: var(--bg); }

  body.page-loan-option.page-loan-option-fha .block-inner { max-width: 1240px; margin: 0 auto; }

  body.page-loan-option.page-loan-option-fha .block-head { text-align: center; margin-bottom: 56px; max-width: 820px; margin-left: auto; margin-right: auto; }

  body.page-loan-option.page-loan-option-fha .block-head .section-support { margin-bottom: 0; }


  body.page-loan-option.page-loan-option-fha /* SHARED CARD */
  .three-col { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }

  body.page-loan-option.page-loan-option-fha .topic-card { background: var(--bg-card); border: 1px solid var(--line); border-radius: 12px; padding: 32px 28px; display: flex; flex-direction: column; text-decoration: none; color: inherit; transition: all 0.22s ease; }

  body.page-loan-option.page-loan-option-fha .topic-card.linkable { cursor: pointer; }

  body.page-loan-option.page-loan-option-fha .topic-card.linkable:hover { transform: translateY(-3px); box-shadow: 0 14px 32px -12px rgba(18,40,51,0.16); border-color: var(--terracotta-soft); }

  body.page-loan-option.page-loan-option-fha .topic-card.linkable:hover .card-cta { color: var(--terracotta-deep); }

  body.page-loan-option.page-loan-option-fha .topic-card.linkable:hover .card-cta svg { transform: translateX(4px); }

  body.page-loan-option.page-loan-option-fha .topic-card h3 { font-family: 'Fraunces', serif; font-weight: 500; font-size: 22px; line-height: 1.22; color: var(--ink); margin-bottom: 14px; letter-spacing: -0.012em; }

  body.page-loan-option.page-loan-option-fha .topic-card .card-body { font-size: 14.5px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 22px; flex-grow: 1; }

  body.page-loan-option.page-loan-option-fha .card-cta { display: inline-flex; align-items: center; gap: 6px; color: var(--terracotta); font-size: 13px; font-weight: 600; transition: color 0.18s; }

  body.page-loan-option.page-loan-option-fha .card-cta svg { width: 13px; height: 13px; transition: transform 0.18s; }


  body.page-loan-option.page-loan-option-fha /* §3 AUDIENCE CARDS — circular icon at top */
  .audience-card .icon-circle { width: 48px; height: 48px; border-radius: 50%; background: rgba(184,92,56,0.1); display: flex; align-items: center; justify-content: center; color: var(--terracotta); margin-bottom: 20px; }

  body.page-loan-option.page-loan-option-fha .audience-card .icon-circle svg { width: 22px; height: 22px; }


  body.page-loan-option.page-loan-option-fha /* §4 Pre-Underwrite reference block (terracotta wash) */
  .preuw-section { background: radial-gradient(ellipse at top right, rgba(184,92,56,0.08) 0%, transparent 55%), radial-gradient(ellipse at bottom left, rgba(184,92,56,0.06) 0%, transparent 50%), var(--bg-warm); padding: 112px 32px; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); position: relative; overflow: hidden; }

  body.page-loan-option.page-loan-option-fha .preuw-inner { position: relative; max-width: 820px; margin: 0 auto; text-align: center; }

  body.page-loan-option.page-loan-option-fha .preuw-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(32px, 3.6vw, 46px); line-height: 1.1; letter-spacing: -0.022em; color: var(--ink); margin-bottom: 28px; }

  body.page-loan-option.page-loan-option-fha .preuw-headline em { font-style: italic; color: var(--terracotta); }

  body.page-loan-option.page-loan-option-fha .preuw-body { font-size: 18px; line-height: 1.75; color: var(--ink-soft); margin-bottom: 22px; }

  body.page-loan-option.page-loan-option-fha .preuw-body em { font-style: italic; color: var(--ink); }

  body.page-loan-option.page-loan-option-fha .preuw-cta { display: inline-flex; align-items: center; gap: 8px; margin-top: 22px; font-size: 14px; font-weight: 600; text-decoration: none; padding: 13px 22px; border-radius: 8px; background: var(--teal-deep); color: #fff; transition: all 0.18s; }

  body.page-loan-option.page-loan-option-fha .preuw-cta:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-loan-option.page-loan-option-fha .preuw-cta svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-loan-option.page-loan-option-fha .preuw-cta:hover svg { transform: translateX(3px); }


  body.page-loan-option.page-loan-option-fha /* ============== §5 HOW IT WORKS — matches home lite-card pattern (4 steps + 3 arrows) ============== */
  .lite-cards {
    display: grid;
    grid-template-columns: 1fr 28px 1fr 28px 1fr 28px 1fr;
    align-items: stretch;
    gap: 12px;
    margin: 32px 0 48px;
  }

  body.page-loan-option.page-loan-option-fha .lite-card {
    background: transparent;
    padding: 24px 22px 26px;
    transition: all 0.3s ease;
    display: flex;
    flex-direction: column;
  }

  body.page-loan-option.page-loan-option-fha .lite-card:hover .lite-num { color: var(--terracotta-deep); }

  body.page-loan-option.page-loan-option-fha .lite-num {
    font-family: 'Fraunces', serif;
    font-style: italic;
    font-size: 13px;
    font-weight: 500;
    color: var(--terracotta);
    margin-bottom: 14px;
    padding-bottom: 14px;
    border-bottom: 1px solid var(--line);
    letter-spacing: 0.08em;
    transition: border-color 0.3s ease;
  }

  body.page-loan-option.page-loan-option-fha .lite-card:hover .lite-num { border-bottom-color: var(--terracotta); }

  body.page-loan-option.page-loan-option-fha .lite-card h4 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 20px;
    line-height: 1.22;
    letter-spacing: -0.01em;
    margin-bottom: 12px;
    color: var(--ink);
  }

  body.page-loan-option.page-loan-option-fha .lite-card p { font-size: 14.5px; line-height: 1.6; color: var(--ink-soft); }

  body.page-loan-option.page-loan-option-fha .lite-arrow { display: flex; align-items: center; justify-content: center; color: var(--terracotta); opacity: 0.5; }

  body.page-loan-option.page-loan-option-fha .lite-arrow svg { width: 22px; height: 22px; }

  body.page-loan-option.page-loan-option-fha .process-cta-row { display: flex; flex-direction: column; align-items: center; gap: 14px; margin-top: 16px; }

  body.page-loan-option.page-loan-option-fha .process-reassurance { font-size: 13px; color: var(--ink-muted); }


  body.page-loan-option.page-loan-option-fha /* §6 FAQ */
  .faq-list { max-width: 820px; margin: 0 auto; }

  body.page-loan-option.page-loan-option-fha .faq-item { border-bottom: 1px solid var(--line); padding: 28px 0; }

  body.page-loan-option.page-loan-option-fha .faq-item:first-child { border-top: 1px solid var(--line); }

  body.page-loan-option.page-loan-option-fha .faq-question { font-family: 'Fraunces', serif; font-weight: 500; font-size: 21px; line-height: 1.3; color: var(--ink); margin-bottom: 12px; letter-spacing: -0.012em; }

  body.page-loan-option.page-loan-option-fha .faq-answer { font-size: 15.5px; line-height: 1.65; color: var(--ink-soft); }

  body.page-loan-option.page-loan-option-fha .faq-footer { text-align: center; margin-top: 40px; font-size: 14px; color: var(--ink-muted); }

  body.page-loan-option.page-loan-option-fha .faq-footer a { color: var(--terracotta); text-decoration: none; font-weight: 600; }

  body.page-loan-option.page-loan-option-fha .faq-footer a:hover { color: var(--terracotta-deep); }


  body.page-loan-option.page-loan-option-fha /* §7 FREE TOOLS — Featured download */
  .tools-grid { display: grid; grid-template-columns: 1fr 1.6fr; gap: 26px; align-items: stretch; }

  body.page-loan-option.page-loan-option-fha .tool-calc { background: var(--bg-card); border: 1px solid var(--line); border-radius: 12px; padding: 36px 32px; display: flex; flex-direction: column; transition: all 0.22s ease; text-decoration: none; color: inherit; }

  body.page-loan-option.page-loan-option-fha .tool-calc:hover { transform: translateY(-3px); box-shadow: 0 14px 32px -12px rgba(18,40,51,0.16); border-color: var(--terracotta-soft); }

  body.page-loan-option.page-loan-option-fha .tool-calc:hover .card-cta svg { transform: translateX(4px); }

  body.page-loan-option.page-loan-option-fha .tool-calc h3 { font-family: 'Fraunces', serif; font-weight: 500; font-size: 24px; line-height: 1.2; color: var(--ink); margin-bottom: 14px; letter-spacing: -0.012em; }

  body.page-loan-option.page-loan-option-fha .tool-calc p { font-size: 14.5px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 22px; flex-grow: 1; }

  body.page-loan-option.page-loan-option-fha .tool-guide { background: linear-gradient(155deg, var(--teal-deep) 0%, #1a3a4d 100%); color: #fff; border-radius: 12px; padding: 40px; display: grid; grid-template-columns: 200px 1fr; gap: 36px; align-items: center; position: relative; overflow: hidden; }

  body.page-loan-option.page-loan-option-fha .tool-guide::before { content: ''; position: absolute; top: -30%; right: -10%; width: 50%; height: 130%; background: radial-gradient(ellipse, rgba(184,92,56,0.16) 0%, transparent 55%); pointer-events: none; }

  body.page-loan-option.page-loan-option-fha .pdf-thumb { position: relative; z-index: 1; aspect-ratio: 3/4; background: var(--bg-warm); border-radius: 6px; box-shadow: 0 24px 48px -16px rgba(0,0,0,0.55), 0 4px 12px -4px rgba(0,0,0,0.25); display: flex; flex-direction: column; padding: 22px 18px; }

  body.page-loan-option.page-loan-option-fha .pdf-thumb .pdf-eyebrow { font-size: 8.5px; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 12px; }

  body.page-loan-option.page-loan-option-fha .pdf-thumb .pdf-title { font-family: 'Fraunces', serif; font-weight: 500; font-size: 15px; line-height: 1.15; color: var(--ink); letter-spacing: -0.01em; margin-bottom: auto; }

  body.page-loan-option.page-loan-option-fha .pdf-thumb .pdf-meta { font-size: 9px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--ink-muted); padding-top: 12px; border-top: 1px solid var(--line); }

  body.page-loan-option.page-loan-option-fha .guide-content { position: relative; z-index: 1; }

  body.page-loan-option.page-loan-option-fha .guide-eyebrow { display: inline-block; background: var(--terracotta); color: #fff; font-size: 10px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; padding: 5px 10px; border-radius: 4px; margin-bottom: 16px; }

  body.page-loan-option.page-loan-option-fha .guide-title { font-family: 'Fraunces', serif; font-weight: 400; font-size: 28px; line-height: 1.15; color: #fff; letter-spacing: -0.018em; margin-bottom: 14px; }

  body.page-loan-option.page-loan-option-fha .guide-body { font-size: 15px; line-height: 1.6; color: rgba(255,255,255,0.78); margin-bottom: 20px; }

  body.page-loan-option.page-loan-option-fha .guide-form { display: flex; gap: 10px; align-items: stretch; }

  body.page-loan-option.page-loan-option-fha .guide-form input { flex: 1; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.2); color: #fff; padding: 12px 14px; border-radius: 8px; font-family: inherit; font-size: 14px; transition: all 0.18s; }

  body.page-loan-option.page-loan-option-fha .guide-form input::placeholder { color: rgba(255,255,255,0.45); }

  body.page-loan-option.page-loan-option-fha .guide-form input:focus { outline: none; border-color: var(--terracotta-soft); background: rgba(255,255,255,0.12); }

  body.page-loan-option.page-loan-option-fha .guide-form button { background: #fff; color: var(--teal-deep); border: none; border-radius: 8px; padding: 12px 18px; font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; white-space: nowrap; display: inline-flex; align-items: center; gap: 6px; transition: all 0.18s; }

  body.page-loan-option.page-loan-option-fha .guide-form button:hover { background: var(--bg-warm); transform: translateY(-1px); }

  body.page-loan-option.page-loan-option-fha .guide-form button svg { width: 12px; height: 12px; }

  body.page-loan-option.page-loan-option-fha .guide-form-note { font-size: 11.5px; color: rgba(255,255,255,0.5); margin-top: 10px; }

  body.page-loan-option.page-loan-option-fha .guide-form-disabled-note {
    margin-top: 14px; padding: 8px 12px;
    background: rgba(216,133,98,0.10); border-left: 2px solid var(--terracotta-soft);
    font-size: 11px; font-style: italic; color: rgba(255,255,255,0.65);
    border-radius: 0 4px 4px 0;
  }


  body.page-loan-option.page-loan-option-fha /* §8 CASE STUDY */
  .case-wrap { max-width: 940px; margin: 0 auto; }

  body.page-loan-option.page-loan-option-fha .case-box { background: radial-gradient(ellipse at top right, rgba(184,92,56,0.08) 0%, transparent 60%), var(--bg-warm); border: 1px solid var(--line); border-left: 4px solid var(--terracotta); border-radius: 8px; padding: 48px 48px 44px; position: relative; }

  body.page-loan-option.page-loan-option-fha .case-label { display: inline-block; background: var(--terracotta); color: #fff; font-size: 10px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; padding: 5px 10px; border-radius: 4px; margin-bottom: 18px; }

  body.page-loan-option.page-loan-option-fha .case-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(26px, 2.6vw, 34px); line-height: 1.15; letter-spacing: -0.018em; color: var(--ink); margin-bottom: 28px; }

  body.page-loan-option.page-loan-option-fha .case-subhead { font-family: 'Fraunces', serif; font-weight: 500; font-size: 13px; letter-spacing: 0.06em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 8px; margin-top: 22px; }

  body.page-loan-option.page-loan-option-fha .case-subhead:first-of-type { margin-top: 0; }

  body.page-loan-option.page-loan-option-fha .case-body { font-size: 15.5px; line-height: 1.7; color: var(--ink-soft); margin-bottom: 6px; }

  body.page-loan-option.page-loan-option-fha .case-cta { display: inline-flex; align-items: center; gap: 8px; margin-top: 28px; font-size: 14px; font-weight: 600; color: var(--terracotta); padding: 13px 22px; border: 1.5px solid var(--terracotta); border-radius: 8px; transition: all 0.18s; text-decoration: none; }

  body.page-loan-option.page-loan-option-fha .case-cta:hover { background: var(--terracotta); color: #fff; }

  body.page-loan-option.page-loan-option-fha .case-cta svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-loan-option.page-loan-option-fha .case-cta:hover svg { transform: translateX(3px); }


  body.page-loan-option.page-loan-option-fha /* §9 FINAL CTA WITH PHOTO */
  .final-cta-photo { background: var(--teal-deep); color: #fff; padding: 96px 32px; position: relative; overflow: hidden; }

  body.page-loan-option.page-loan-option-fha .final-cta-photo::before { content: ''; position: absolute; top: -30%; right: -10%; width: 50%; height: 130%; background: radial-gradient(ellipse, rgba(184,92,56,0.14) 0%, transparent 55%); pointer-events: none; }

  body.page-loan-option.page-loan-option-fha .final-cta-inner { position: relative; z-index: 2; max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 360px 1fr; gap: 64px; align-items: center; }

  body.page-loan-option.page-loan-option-fha .final-photo { aspect-ratio: 4/5; background: linear-gradient(180deg, var(--teal-soft) 0%, var(--teal-deep) 100%); border-radius: 12px; position: relative; overflow: hidden; box-shadow: 0 24px 60px -20px rgba(0,0,0,0.5); }

  body.page-loan-option.page-loan-option-fha .final-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }

  body.page-loan-option.page-loan-option-fha .final-photo-placeholder { width: 100%; height: 100%; display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.4); font-size: 13px; letter-spacing: 0.1em; text-transform: uppercase; background: radial-gradient(ellipse at 30% 30%, rgba(184,92,56,0.18) 0%, transparent 60%), var(--teal-deep); }

  body.page-loan-option.page-loan-option-fha .final-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(32px, 3.4vw, 44px); line-height: 1.1; letter-spacing: -0.022em; color: #fff; margin-bottom: 22px; }

  body.page-loan-option.page-loan-option-fha .final-headline em { font-style: italic; color: var(--terracotta-soft); }

  body.page-loan-option.page-loan-option-fha .final-support { font-size: 17px; line-height: 1.65; color: rgba(255,255,255,0.78); margin-bottom: 32px; max-width: 540px; }

  body.page-loan-option.page-loan-option-fha .final-ctas { display: flex; gap: 16px; align-items: center; margin-bottom: 18px; flex-wrap: wrap; }

  body.page-loan-option.page-loan-option-fha .final-reassurance { font-size: 13px; color: rgba(255,255,255,0.55); }


  body.page-loan-option.page-loan-option-fha /* PAGE FOOTNOTE */
  .page-footnote { background: var(--bg-warm); padding: 24px 32px; border-bottom: 1px solid var(--line); border-top: 1px solid var(--line); }

  body.page-loan-option.page-loan-option-fha .page-footnote-inner { max-width: 940px; margin: 0 auto; font-size: 12px; line-height: 1.6; color: var(--ink-muted); font-style: italic; }


  body.page-loan-option.page-loan-option-fha /* FOOTER */
  footer.site-footer { background: var(--teal-deep); color: rgba(255,255,255,0.78); padding: 72px 32px 28px; border-top: 1px solid rgba(255,255,255,0.06); }

  body.page-loan-option.page-loan-option-fha .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-loan-option.page-loan-option-fha .footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 56px; }

  body.page-loan-option.page-loan-option-fha .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-loan-option.page-loan-option-fha .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-loan-option.page-loan-option-fha .footer-tagline { font-size: 14px; line-height: 1.6; color: rgba(255,255,255,0.65); margin: 14px 0 18px; max-width: 280px; }

  body.page-loan-option.page-loan-option-fha .footer-credentials { font-size: 11.5px; color: rgba(255,255,255,0.5); line-height: 1.6; margin-bottom: 22px; }

  body.page-loan-option.page-loan-option-fha .footer-socials { display: flex; gap: 12px; }

  body.page-loan-option.page-loan-option-fha .footer-socials a { width: 34px; height: 34px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.15); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); transition: all 0.25s ease; }

  body.page-loan-option.page-loan-option-fha .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-loan-option.page-loan-option-fha .footer-socials svg { width: 14px; height: 14px; }

  body.page-loan-option.page-loan-option-fha .footer-col h5 { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 15px; margin-bottom: 18px; letter-spacing: -0.005em; }

  body.page-loan-option.page-loan-option-fha .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-loan-option.page-loan-option-fha .footer-col ul a { color: rgba(255,255,255,0.65); text-decoration: none; font-size: 13.5px; transition: color 0.2s; }

  body.page-loan-option.page-loan-option-fha .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-loan-option.page-loan-option-fha .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-loan-option.page-loan-option-fha .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }

  body.page-loan-option.page-loan-option-fha .footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 28px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 18px; font-size: 12px; color: rgba(255,255,255,0.45); }

  body.page-loan-option.page-loan-option-fha .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-loan-option.page-loan-option-fha .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-loan-option.page-loan-option-fha .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-loan-option.page-loan-option-fha .ehl-badge { display: inline-flex; align-items: center; gap: 8px; font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; }

  body.page-loan-option.page-loan-option-fha .ehl-icon { width: 22px; height: 22px; border: 1px solid rgba(255,255,255,0.5); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 700; }


  body.page-loan-option.page-loan-option-fha .sticky-mobile-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 50; background: var(--teal-deep); padding: 12px 16px; box-shadow: 0 -8px 24px rgba(0,0,0,0.18); }

  body.page-loan-option.page-loan-option-fha .sticky-mobile-cta .btn { width: 100%; }


  @media (max-width: 1080px) {
body.page-loan-option.page-loan-option-fha .hero-grid { grid-template-columns: 1fr; gap: 40px; }

    body.page-loan-option.page-loan-option-fha .trust-strip { grid-template-columns: repeat(4, 1fr); gap: 18px; }

    body.page-loan-option.page-loan-option-fha .three-col { grid-template-columns: 1fr 1fr; }

    body.page-loan-option.page-loan-option-fha .lite-cards { grid-template-columns: 1fr; gap: 8px; }

    body.page-loan-option.page-loan-option-fha .lite-arrow { transform: rotate(90deg); padding: 6px 0; }

    body.page-loan-option.page-loan-option-fha .tools-grid { grid-template-columns: 1fr; }

    body.page-loan-option.page-loan-option-fha .tool-guide { grid-template-columns: 1fr; gap: 24px; }

    body.page-loan-option.page-loan-option-fha .pdf-thumb { max-width: 200px; margin: 0 auto; }

    body.page-loan-option.page-loan-option-fha .final-cta-inner { grid-template-columns: 1fr; gap: 40px; }

    body.page-loan-option.page-loan-option-fha .final-photo { max-width: 360px; margin: 0 auto; }

    body.page-loan-option.page-loan-option-fha .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
}

  @media (max-width: 720px) {
body.page-loan-option.page-loan-option-fha .block { padding: 64px 20px; }

    body.page-loan-option.page-loan-option-fha .hero-wrap { padding: 56px 20px 64px; }

    body.page-loan-option.page-loan-option-fha .preuw-section { padding: 72px 20px; }

    body.page-loan-option.page-loan-option-fha .final-cta-photo { padding: 64px 20px; }

    body.page-loan-option.page-loan-option-fha .utility-rates .rate-label { display: none; }

    body.page-loan-option.page-loan-option-fha nav.main-nav,
body.page-loan-option.page-loan-option-fha .header-ctas .btn-primary { display: none; }

    body.page-loan-option.page-loan-option-fha .trust-strip { grid-template-columns: repeat(2, 1fr); gap: 18px; }

    body.page-loan-option.page-loan-option-fha .three-col { grid-template-columns: 1fr; }

    body.page-loan-option.page-loan-option-fha .footer-grid { grid-template-columns: 1fr; }

    body.page-loan-option.page-loan-option-fha .sticky-mobile-cta { display: block; }

    body.page-loan-option.page-loan-option-fha { padding-bottom: 76px; }

    body.page-loan-option.page-loan-option-fha .final-ctas { flex-direction: column; align-items: stretch; }

    body.page-loan-option.page-loan-option-fha .final-ctas .btn { width: 100%; }

    body.page-loan-option.page-loan-option-fha .footer-bottom { flex-direction: column; align-items: flex-start; }

    body.page-loan-option.page-loan-option-fha .case-box { padding: 32px 24px; }

    body.page-loan-option.page-loan-option-fha .guide-form { flex-direction: column; }

    body.page-loan-option.page-loan-option-fha .guide-form button { width: 100%; justify-content: center; }

    body.page-loan-option.page-loan-option-fha .form-row-pair { grid-template-columns: 1fr; gap: 14px; }

    body.page-loan-option.page-loan-option-fha .hero-form-card { padding: 28px 22px; }

    body.page-loan-option.page-loan-option-fha .states-inner { gap: 16px; }
}

  @media (prefers-reduced-motion: reduce) {
body.page-loan-option.page-loan-option-fha *,
body.page-loan-option.page-loan-option-fha *::before,
body.page-loan-option.page-loan-option-fha *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}


/* ===== Source: calculators-final.html (body.page-calculators) ===== */
body.page-calculators {
    --bg: #F8F4ED; --bg-card: #FFFFFF; --bg-warm: #F1EBDF; --bg-deep: #EAE0CC;
    --ink: #2A2520; --ink-soft: #5A524A; --ink-muted: #8A8278;
    --teal: #1B3A4B; --teal-deep: #122833; --teal-soft: #3A6478;
    --terracotta: #B85C38; --terracotta-soft: #D88562; --terracotta-deep: #8a4226;
    --line: #E5DCC9; --line-soft: #EFE7D6;
    --c-pi: #1B3A4B; --c-tax: #B85C38; --c-ins: #D88562; --c-hoa: #8A8278; --c-pmi: #EAE0CC;
  }

  body.page-calculators * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }

  body.page-calculators { font-family: 'Manrope', sans-serif; background: var(--bg); color: var(--ink); line-height: 1.6; font-size: 16px; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }

  body.page-calculators a { color: inherit; }


  body.page-calculators /* UTILITY BAR */
  .utility-bar { background: var(--teal-deep); color: rgba(255,255,255,0.78); font-size: 11.5px; font-weight: 500; letter-spacing: 0.02em; border-bottom: 1px solid rgba(255,255,255,0.06); padding: 0 32px; }

  body.page-calculators .utility-inner { max-width: 1240px; margin: 0 auto; padding: 7px 0; display: flex; align-items: center; gap: 24px; }

  body.page-calculators .utility-rates { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

  body.page-calculators .utility-rates .rate-label { color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.16em; font-size: 10px; font-weight: 600; }

  body.page-calculators .utility-rates .rate-pair { display: inline-flex; align-items: baseline; gap: 6px; }

  body.page-calculators .utility-rates .rate-term { color: rgba(255,255,255,0.6); font-size: 10.5px; text-transform: uppercase; letter-spacing: 0.14em; font-weight: 600; }

  body.page-calculators .utility-rates .rate-val { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 13.5px; }

  body.page-calculators .utility-rates .rate-sep { color: rgba(255,255,255,0.25); }

  body.page-calculators .utility-rates a.rate-source { color: rgba(255,255,255,0.55); text-decoration: none; font-size: 10.5px; transition: color 0.2s; }

  body.page-calculators .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }


  body.page-calculators /* HEADER */
  .site-header { position: sticky; top: 0; z-index: 100; background: rgba(248,244,237,0.92); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line-soft); padding: 0 32px; }

  body.page-calculators .header-inner { max-width: 1240px; margin: 0 auto; padding: 18px 0; display: flex; align-items: center; justify-content: space-between; gap: 32px; }

  body.page-calculators .logo { display: flex; align-items: baseline; gap: 12px; text-decoration: none; color: var(--ink); }

  body.page-calculators .logo-mark { font-family: 'Fraunces', serif; font-size: 24px; font-weight: 500; letter-spacing: -0.02em; color: var(--teal-deep); line-height: 1; }

  body.page-calculators .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-calculators nav.main-nav { display: flex; gap: 30px; }

  body.page-calculators nav.main-nav a { color: var(--ink-soft); text-decoration: none; font-size: 14px; font-weight: 500; position: relative; padding: 4px 0; transition: color 0.2s; }

  body.page-calculators nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-calculators nav.main-nav a.has-dropdown::before { content: '⌄'; position: absolute; right: -12px; top: 2px; font-size: 10px; color: var(--ink-muted); }

  body.page-calculators .header-ctas { display: flex; gap: 12px; align-items: center; }


  body.page-calculators .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 11px 18px; border: none; border-radius: 8px; font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; text-decoration: none; transition: all 0.18s ease; line-height: 1; white-space: nowrap; }

  body.page-calculators .btn-primary { background: var(--teal-deep); color: #fff; }

  body.page-calculators .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-calculators .btn-quiet { background: transparent; color: var(--ink-soft); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: var(--line); padding: 11px 0; }

  body.page-calculators .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-calculators .btn-lg { padding: 13px 22px; font-size: 13.5px; }

  body.page-calculators .btn-primary-light { background: #fff; color: var(--teal-deep); }

  body.page-calculators .btn-primary-light:hover { background: var(--bg-warm); transform: translateY(-1px); }

  body.page-calculators .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-calculators .btn-arrow:hover svg { transform: translateX(3px); }


  body.page-calculators .eyebrow { display: inline-flex; align-items: center; gap: 12px; font-size: 11px; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 18px; }

  body.page-calculators .eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--terracotta); }

  body.page-calculators .eyebrow.centered { justify-content: center; margin-left: auto; margin-right: auto; }

  body.page-calculators .eyebrow.centered::before { display: none; }

  body.page-calculators .eyebrow.on-dark { color: var(--terracotta-soft); }

  body.page-calculators .eyebrow.on-dark::before { background: var(--terracotta-soft); }


  body.page-calculators /* BREADCRUMB */
  .breadcrumb-bar { background: var(--bg-warm); border-bottom: 1px solid var(--line); padding: 12px 32px; }

  body.page-calculators .breadcrumb-inner { max-width: 1240px; margin: 0 auto; font-size: 12px; color: var(--ink-muted); }

  body.page-calculators .breadcrumb-inner a { color: var(--ink-soft); text-decoration: none; font-weight: 500; transition: color 0.18s; }

  body.page-calculators .breadcrumb-inner a:hover { color: var(--terracotta); }

  body.page-calculators .breadcrumb-inner .sep { margin: 0 8px; color: var(--line); }

  body.page-calculators .breadcrumb-inner .current { color: var(--ink); font-weight: 600; }


  body.page-calculators /* PAGE HERO */
  .page-hero { background: var(--bg); padding: 64px 32px 32px; position: relative; overflow: hidden; }

  body.page-calculators .page-hero::before { content: ''; position: absolute; top: -20%; right: -10%; width: 50%; height: 130%; background: radial-gradient(ellipse, rgba(184,92,56,0.08) 0%, transparent 60%); pointer-events: none; }

  body.page-calculators .page-hero-inner { max-width: 1240px; margin: 0 auto; position: relative; z-index: 1; }

  body.page-calculators .page-hero h1 { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(32px, 3.6vw, 46px); line-height: 1.08; letter-spacing: -0.022em; color: var(--ink); margin-bottom: 14px; }

  body.page-calculators .page-hero h1 em { font-style: italic; color: var(--terracotta); }

  body.page-calculators .page-hero p { font-size: 16.5px; line-height: 1.65; color: var(--ink-soft); max-width: 680px; }


  body.page-calculators /* SUITE TABS */
  .suite-tabs-wrap { padding: 24px 32px 0; max-width: 1240px; margin: 0 auto; }

  body.page-calculators .suite-tabs {
    display: flex; gap: 4px;
    background: var(--bg-warm); border: 1px solid var(--line);
    border-radius: 12px; padding: 5px;
    max-width: 880px; margin: 0 auto;
  }

  body.page-calculators .suite-tab {
    flex: 1; background: transparent; color: var(--ink-soft); border: 0;
    padding: 14px 16px; border-radius: 8px;
    font-family: inherit; font-size: 13.5px; font-weight: 600; cursor: pointer;
    transition: all 0.18s; display: flex; flex-direction: column; gap: 3px; align-items: center;
    text-decoration: none; text-align: center;
  }

  body.page-calculators .suite-tab:hover { color: var(--ink); }

  body.page-calculators .suite-tab.active { background: #fff; color: var(--terracotta); box-shadow: 0 2px 8px rgba(18,40,51,0.08); }

  body.page-calculators .suite-tab .tab-sub { font-size: 10.5px; font-weight: 500; letter-spacing: 0.04em; color: var(--ink-muted); text-transform: uppercase; line-height: 1.3; }

  body.page-calculators .suite-tab.active .tab-sub { color: var(--terracotta-deep); }


  body.page-calculators /* CALC LAYOUT */
  .calc-wrap { padding: 40px 32px 80px; max-width: 1240px; margin: 0 auto; }

  body.page-calculators .calc-grid { display: grid; grid-template-columns: 360px 1fr; gap: 40px; align-items: start; }


  body.page-calculators /* Form card */
  .form-card {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 28px 28px;
    position: sticky; top: 84px;
    box-shadow: 0 18px 44px -22px rgba(18,40,51,0.08);
  }

  body.page-calculators .form-card-header { padding-bottom: 18px; border-bottom: 1px solid var(--line); margin-bottom: 22px; }

  body.page-calculators .form-card-eyebrow { font-size: 10.5px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 6px; }

  body.page-calculators .form-card-title { font-family: 'Fraunces', serif; font-size: 20px; font-weight: 500; color: var(--ink); letter-spacing: -0.012em; line-height: 1.2; }


  body.page-calculators .calc-form { display: flex; flex-direction: column; gap: 22px; }

  body.page-calculators .field-group { display: flex; flex-direction: column; gap: 8px; }

  body.page-calculators .field-label-row { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; }

  body.page-calculators .field-label { font-size: 11.5px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink-muted); }

  body.page-calculators .field-value { font-family: 'Fraunces', serif; font-size: 17px; font-weight: 500; color: var(--ink); letter-spacing: -0.005em; }

  body.page-calculators .field-value-secondary { font-size: 11.5px; color: var(--ink-muted); font-family: 'Manrope', sans-serif; font-weight: 500; letter-spacing: 0; }


  body.page-calculators .slider {
    -webkit-appearance: none; appearance: none;
    width: 100%; height: 4px;
    background: var(--line); border-radius: 2px; outline: none;
    margin: 8px 0 4px;
  }

  body.page-calculators .slider::-webkit-slider-thumb {
    -webkit-appearance: none; appearance: none;
    width: 18px; height: 18px;
    background: var(--terracotta);
    border: 2px solid #fff; border-radius: 50%;
    cursor: pointer; box-shadow: 0 2px 6px rgba(184,92,56,0.3);
    transition: transform 0.12s;
  }

  body.page-calculators .slider::-webkit-slider-thumb:active { transform: scale(1.15); }

  body.page-calculators .slider::-moz-range-thumb {
    width: 18px; height: 18px;
    background: var(--terracotta);
    border: 2px solid #fff; border-radius: 50%;
    cursor: pointer; box-shadow: 0 2px 6px rgba(184,92,56,0.3);
  }

  body.page-calculators .slider-ticks { display: flex; justify-content: space-between; font-size: 10px; color: var(--ink-muted); }


  body.page-calculators .input-text {
    width: 100%; background: var(--bg);
    border: 1px solid var(--line); padding: 9px 12px;
    border-radius: 8px; font-family: inherit; font-size: 13.5px;
    color: var(--ink); transition: border 0.18s;
  }

  body.page-calculators .input-text:focus { outline: none; border-color: var(--terracotta); background: #fff; }

  body.page-calculators .input-prefix-wrap { position: relative; }

  body.page-calculators .input-prefix-wrap::before { content: '$'; position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: var(--ink-muted); font-size: 13.5px; pointer-events: none; }

  body.page-calculators .input-prefix-wrap .input-text { padding-left: 24px; }

  body.page-calculators .input-suffix-wrap { position: relative; }

  body.page-calculators .input-suffix-wrap.pct::after { content: '%'; position: absolute; right: 12px; top: 50%; transform: translateY(-50%); color: var(--ink-muted); font-size: 13.5px; pointer-events: none; }

  body.page-calculators .input-suffix-wrap.pct .input-text { padding-right: 26px; }


  body.page-calculators .seg-control { display: flex; background: var(--bg-warm); border: 1px solid var(--line); border-radius: 8px; padding: 3px; gap: 2px; }

  body.page-calculators .seg-control button {
    flex: 1; background: transparent; color: var(--ink-soft); border: 0;
    padding: 7px 8px; border-radius: 5px; font-family: inherit; font-size: 12px; font-weight: 600; cursor: pointer;
    transition: all 0.18s;
  }

  body.page-calculators .seg-control button:hover { color: var(--ink); }

  body.page-calculators .seg-control button.active { background: #fff; color: var(--terracotta); box-shadow: 0 1px 2px rgba(18,40,51,0.06); }


  body.page-calculators /* RESULTS */
  .results-card {
    background: var(--bg-card); border: 1px solid var(--line); border-radius: 16px;
    padding: 32px 32px;
    box-shadow: 0 18px 44px -22px rgba(18,40,51,0.10);
  }

  body.page-calculators .results-headline { font-size: 11px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 8px; }

  body.page-calculators .results-total { font-family: 'Fraunces', serif; font-size: clamp(40px, 5vw, 56px); font-weight: 400; color: var(--ink); line-height: 1; letter-spacing: -0.022em; margin-bottom: 6px; }

  body.page-calculators .results-total em { font-style: italic; color: var(--terracotta); font-weight: 400; font-size: 0.5em; vertical-align: 0.4em; font-family: 'Manrope', sans-serif; letter-spacing: 0.04em; }

  body.page-calculators .results-subtotal { font-size: 13.5px; color: var(--ink-muted); padding-bottom: 24px; border-bottom: 1px solid var(--line); margin-bottom: 24px; }


  body.page-calculators /* DONUT + LEGEND */
  .donut-layout { display: grid; grid-template-columns: 220px 1fr; gap: 32px; align-items: center; }

  body.page-calculators .donut-svg { width: 220px; height: 220px; }

  body.page-calculators .donut-svg .donut-center { font-family: 'Fraunces', serif; font-size: 11px; fill: var(--ink-muted); }

  body.page-calculators .donut-svg .donut-center-val { font-family: 'Fraunces', serif; font-size: 16px; font-weight: 500; fill: var(--ink); letter-spacing: -0.01em; }

  body.page-calculators .donut-svg circle { transition: stroke-dasharray 0.3s ease, stroke-dashoffset 0.3s ease; }

  body.page-calculators .donut-legend { display: flex; flex-direction: column; gap: 10px; }

  body.page-calculators .legend-row { display: grid; grid-template-columns: 14px 1fr auto auto; gap: 12px; align-items: center; padding: 6px 0; border-bottom: 1px solid var(--line-soft); }

  body.page-calculators .legend-row:last-child { border-bottom: none; }

  body.page-calculators .legend-row.hidden { display: none; }

  body.page-calculators .legend-dot { width: 14px; height: 14px; border-radius: 3px; }

  body.page-calculators .legend-label { font-size: 13px; color: var(--ink-soft); font-weight: 500; }

  body.page-calculators .legend-val { font-family: 'Fraunces', serif; font-size: 15px; color: var(--ink); font-weight: 500; letter-spacing: -0.005em; min-width: 70px; text-align: right; }

  body.page-calculators .legend-pct { font-size: 11px; color: var(--ink-muted); min-width: 38px; text-align: right; font-weight: 500; }


  body.page-calculators /* AMORTIZATION */
  .amort-section { margin-top: 32px; padding-top: 28px; border-top: 1px solid var(--line); }

  body.page-calculators .amort-headline { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-bottom: 16px; flex-wrap: wrap; }

  body.page-calculators .amort-title { font-family: 'Fraunces', serif; font-weight: 500; font-size: 17px; color: var(--ink); letter-spacing: -0.012em; }

  body.page-calculators .amort-meta { font-size: 12px; color: var(--ink-muted); }

  body.page-calculators .amort-meta strong { color: var(--ink); font-family: 'Fraunces', serif; font-weight: 500; font-size: 13px; }

  body.page-calculators .amort-chart { width: 100%; height: 160px; }

  body.page-calculators .amort-chart rect { transition: y 0.3s ease, height 0.3s ease; }

  body.page-calculators .amort-legend { display: flex; gap: 18px; margin-top: 12px; font-size: 12px; color: var(--ink-soft); }

  body.page-calculators .amort-legend-item { display: flex; align-items: center; gap: 6px; }

  body.page-calculators .amort-legend-item .dot { width: 10px; height: 10px; border-radius: 2px; }

  body.page-calculators .amort-year-labels { display: flex; justify-content: space-between; margin-top: 4px; font-size: 10px; color: var(--ink-muted); padding: 0 2px; }


  body.page-calculators /* AFFORDABILITY-specific stats */
  .affordability-stats { margin-top: 28px; padding-top: 24px; border-top: 1px solid var(--line); display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }

  body.page-calculators .affordability-stat { padding: 18px; background: var(--bg-warm); border-radius: 10px; }

  body.page-calculators .affordability-stat .label { font-size: 10.5px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--ink-muted); margin-bottom: 8px; }

  body.page-calculators .affordability-stat .val { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500; color: var(--terracotta); line-height: 1; letter-spacing: -0.012em; margin-bottom: 4px; }

  body.page-calculators .affordability-stat .sub { font-size: 11px; color: var(--ink-muted); }


  body.page-calculators /* REFI break-even — special result card */
  .refi-result { padding: 24px 28px; background: linear-gradient(155deg, var(--teal-deep) 0%, #1a3a4d 100%); color: #fff; border-radius: 12px; margin-top: 24px; position: relative; overflow: hidden; }

  body.page-calculators .refi-result::before { content: ''; position: absolute; top: -30%; right: -10%; width: 50%; height: 130%; background: radial-gradient(ellipse, rgba(184,92,56,0.18) 0%, transparent 55%); pointer-events: none; }

  body.page-calculators .refi-result .inner { position: relative; z-index: 1; }

  body.page-calculators .refi-result .label { font-size: 10.5px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--terracotta-soft); margin-bottom: 8px; }

  body.page-calculators .refi-result .months { font-family: 'Fraunces', serif; font-size: 36px; font-weight: 400; line-height: 1; margin-bottom: 8px; letter-spacing: -0.02em; }

  body.page-calculators .refi-result .months em { font-style: italic; color: var(--terracotta-soft); font-weight: 400; }

  body.page-calculators .refi-result .narrative { font-size: 14px; line-height: 1.55; color: rgba(255,255,255,0.78); }

  body.page-calculators .refi-result .narrative strong { color: #fff; font-weight: 500; }


  body.page-calculators /* CLOSING COSTS — itemized breakdown */
  .closing-itemized { display: flex; flex-direction: column; gap: 10px; margin-top: 24px; }

  body.page-calculators .closing-row { display: grid; grid-template-columns: 1fr auto auto; gap: 16px; padding: 12px 16px; background: var(--bg-warm); border-radius: 8px; align-items: center; }

  body.page-calculators .closing-row .item-name { font-size: 13.5px; font-weight: 500; color: var(--ink); }

  body.page-calculators .closing-row .item-desc { font-size: 11.5px; color: var(--ink-muted); }

  body.page-calculators .closing-row .item-val { font-family: 'Fraunces', serif; font-size: 16px; color: var(--terracotta); font-weight: 500; letter-spacing: -0.005em; text-align: right; min-width: 90px; }


  body.page-calculators /* HONEST TAKE block — shared */
  .honest-take {
    margin-top: 32px; padding: 20px 24px;
    background: var(--bg-warm); border: 1px solid var(--line);
    border-left: 3px solid var(--terracotta); border-radius: 8px;
  }

  body.page-calculators .honest-take .label { font-size: 11px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 8px; }

  body.page-calculators .honest-take p { font-size: 14px; line-height: 1.65; color: var(--ink-soft); }

  body.page-calculators .honest-take p strong { color: var(--ink); font-weight: 600; }


  body.page-calculators /* Calculator-specific show/hide */
  .calc-panel { display: none; }

  body.page-calculators .calc-panel.active { display: block; }


  body.page-calculators /* Cross-sell CTA — calculator → contact */
  .cross-cta-section { background: var(--teal-deep); color: #fff; padding: 64px 32px; position: relative; overflow: hidden; margin-top: 60px; }

  body.page-calculators .cross-cta-section::before { content: ''; position: absolute; top: -30%; right: -10%; width: 50%; height: 130%; background: radial-gradient(ellipse, rgba(184,92,56,0.14) 0%, transparent 55%); pointer-events: none; }

  body.page-calculators .cross-cta-inner { position: relative; z-index: 2; max-width: 880px; margin: 0 auto; text-align: center; }

  body.page-calculators .cross-cta-inner h2 { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(26px, 3vw, 36px); line-height: 1.1; letter-spacing: -0.022em; margin-bottom: 16px; }

  body.page-calculators .cross-cta-inner h2 em { font-style: italic; color: var(--terracotta-soft); }

  body.page-calculators .cross-cta-inner p { font-size: 16px; line-height: 1.65; color: rgba(255,255,255,0.78); margin-bottom: 28px; max-width: 560px; margin-left: auto; margin-right: auto; }

  body.page-calculators .cross-ctas { display: flex; gap: 16px; justify-content: center; align-items: center; margin-bottom: 14px; flex-wrap: wrap; }

  body.page-calculators .btn-quiet-light { background: transparent; color: rgba(255,255,255,0.7); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: rgba(255,255,255,0.25); padding: 11px 0; }

  body.page-calculators .btn-quiet-light:hover { color: var(--terracotta-soft); text-decoration-color: var(--terracotta-soft); }

  body.page-calculators .cross-reassurance { font-size: 13px; color: rgba(255,255,255,0.55); }


  body.page-calculators /* Page footnote */
  .page-footnote { background: var(--bg-warm); border-top: 1px solid var(--line); padding: 24px 32px; }

  body.page-calculators .page-footnote-inner { max-width: 1100px; margin: 0 auto; font-size: 11.5px; line-height: 1.65; color: var(--ink-muted); font-style: italic; text-align: center; }


  body.page-calculators /* FOOTER */
  footer.site-footer { background: var(--teal-deep); color: rgba(255,255,255,0.78); padding: 72px 32px 28px; border-top: 1px solid rgba(255,255,255,0.06); }

  body.page-calculators .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-calculators .footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 56px; }

  body.page-calculators .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-calculators .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-calculators .footer-tagline { font-size: 14px; line-height: 1.6; color: rgba(255,255,255,0.65); margin: 14px 0 18px; max-width: 280px; }

  body.page-calculators .footer-credentials { font-size: 11.5px; color: rgba(255,255,255,0.5); line-height: 1.6; margin-bottom: 22px; }

  body.page-calculators .footer-socials { display: flex; gap: 12px; }

  body.page-calculators .footer-socials a { width: 34px; height: 34px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.15); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); transition: all 0.25s ease; }

  body.page-calculators .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-calculators .footer-socials svg { width: 14px; height: 14px; }

  body.page-calculators .footer-col h5 { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 15px; margin-bottom: 18px; }

  body.page-calculators .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-calculators .footer-col ul a { color: rgba(255,255,255,0.65); text-decoration: none; font-size: 13.5px; transition: color 0.2s; }

  body.page-calculators .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-calculators .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-calculators .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }

  body.page-calculators .footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 28px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 18px; font-size: 12px; color: rgba(255,255,255,0.45); }

  body.page-calculators .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-calculators .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-calculators .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-calculators .ehl-badge { display: inline-flex; align-items: center; gap: 8px; font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; }

  body.page-calculators .ehl-icon { width: 22px; height: 22px; border: 1px solid rgba(255,255,255,0.5); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 700; }


  body.page-calculators /* STICKY MOBILE CTA */
  .sticky-mobile-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 50; background: var(--teal-deep); padding: 12px 16px; box-shadow: 0 -8px 24px rgba(0,0,0,0.18); }

  body.page-calculators .sticky-mobile-cta .btn { width: 100%; background: #fff; color: var(--teal-deep); }


  @media (max-width: 980px) {
body.page-calculators .calc-grid { grid-template-columns: 1fr; gap: 24px; }

    body.page-calculators .form-card { position: static; }

    body.page-calculators .donut-layout { grid-template-columns: 1fr; }

    body.page-calculators .donut-svg { margin: 0 auto; }

    body.page-calculators .affordability-stats { grid-template-columns: 1fr; }

    body.page-calculators .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
}

  @media (max-width: 720px) {
body.page-calculators .page-hero { padding: 48px 20px 24px; }

    body.page-calculators .suite-tabs-wrap { padding: 16px 20px 0; }

    body.page-calculators .calc-wrap { padding: 24px 20px 56px; }

    body.page-calculators .suite-tabs { flex-direction: column; padding: 4px; }

    body.page-calculators .suite-tab { padding: 12px 14px; flex-direction: row; justify-content: space-between; gap: 16px; }

    body.page-calculators .suite-tab .tab-sub { font-size: 10px; }

    body.page-calculators .utility-rates .rate-label { display: none; }

    body.page-calculators nav.main-nav,
body.page-calculators .header-ctas .btn-primary { display: none; }

    body.page-calculators .footer-grid { grid-template-columns: 1fr; }

    body.page-calculators .sticky-mobile-cta { display: block; }

    body.page-calculators { padding-bottom: 76px; }

    body.page-calculators .cross-ctas { flex-direction: column; align-items: stretch; }

    body.page-calculators .cross-ctas .btn { width: 100%; }

    body.page-calculators .closing-row { grid-template-columns: 1fr auto; }

    body.page-calculators .closing-row .item-desc { grid-column: 1; font-size: 11px; }

    body.page-calculators .footer-bottom { flex-direction: column; align-items: flex-start; }

    body.page-calculators .results-card { padding: 24px 22px; }

    body.page-calculators .form-card { padding: 24px 22px; }
}

  @media (prefers-reduced-motion: reduce) {
body.page-calculators *,
body.page-calculators *::before,
body.page-calculators *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}


/* ===== Source: preuw-final.html (body.page-pre-underwrite) ===== */
body.page-pre-underwrite {
    --bg: #F8F4ED; --bg-card: #FFFFFF; --bg-warm: #F1EBDF; --bg-deep: #EAE0CC;
    --ink: #2A2520; --ink-soft: #5A524A; --ink-muted: #8A8278;
    --teal: #1B3A4B; --teal-deep: #122833; --teal-soft: #3A6478;
    --terracotta: #B85C38; --terracotta-soft: #D88562; --terracotta-deep: #8a4226;
    --line: #E5DCC9; --line-soft: #EFE7D6;
  }

  body.page-pre-underwrite * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }

  body.page-pre-underwrite { font-family: 'Manrope', sans-serif; background: var(--bg); color: var(--ink); line-height: 1.6; font-size: 16px; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }

  body.page-pre-underwrite a { color: inherit; }


  body.page-pre-underwrite /* UTILITY BAR */
  .utility-bar { background: var(--teal-deep); color: rgba(255,255,255,0.78); font-size: 11.5px; font-weight: 500; letter-spacing: 0.02em; border-bottom: 1px solid rgba(255,255,255,0.06); padding: 0 32px; }

  body.page-pre-underwrite .utility-inner { max-width: 1240px; margin: 0 auto; padding: 7px 0; display: flex; align-items: center; gap: 24px; }

  body.page-pre-underwrite .utility-rates { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

  body.page-pre-underwrite .utility-rates .rate-label { color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.16em; font-size: 10px; font-weight: 600; }

  body.page-pre-underwrite .utility-rates .rate-pair { display: inline-flex; align-items: baseline; gap: 6px; }

  body.page-pre-underwrite .utility-rates .rate-term { color: rgba(255,255,255,0.6); font-size: 10.5px; text-transform: uppercase; letter-spacing: 0.14em; font-weight: 600; }

  body.page-pre-underwrite .utility-rates .rate-val { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 13.5px; letter-spacing: -0.005em; }

  body.page-pre-underwrite .utility-rates .rate-sep { color: rgba(255,255,255,0.25); }

  body.page-pre-underwrite .utility-rates a.rate-source { color: rgba(255,255,255,0.55); text-decoration: none; font-size: 10.5px; letter-spacing: 0.04em; transition: color 0.2s; }

  body.page-pre-underwrite .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }


  body.page-pre-underwrite /* HEADER */
  .site-header { position: sticky; top: 0; z-index: 100; background: rgba(248,244,237,0.92); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line-soft); padding: 0 32px; }

  body.page-pre-underwrite .header-inner { max-width: 1240px; margin: 0 auto; padding: 18px 0; display: flex; align-items: center; justify-content: space-between; gap: 32px; }

  body.page-pre-underwrite .logo { display: flex; align-items: baseline; gap: 12px; text-decoration: none; color: var(--ink); }

  body.page-pre-underwrite .logo-mark { font-family: 'Fraunces', serif; font-size: 24px; font-weight: 500; letter-spacing: -0.02em; color: var(--teal-deep); line-height: 1; }

  body.page-pre-underwrite .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-pre-underwrite nav.main-nav { display: flex; gap: 30px; }

  body.page-pre-underwrite nav.main-nav a { color: var(--ink-soft); text-decoration: none; font-size: 14px; font-weight: 500; position: relative; padding: 4px 0; transition: color 0.2s; }

  body.page-pre-underwrite nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-pre-underwrite nav.main-nav a.has-dropdown::before { content: '⌄'; position: absolute; right: -12px; top: 2px; font-size: 10px; color: var(--ink-muted); }

  body.page-pre-underwrite nav.main-nav a::after { content: ''; position: absolute; bottom: 0; left: 0; width: 0; height: 1px; background: var(--terracotta); transition: width 0.3s ease; }

  body.page-pre-underwrite nav.main-nav a:hover::after { width: 100%; }

  body.page-pre-underwrite .header-ctas { display: flex; gap: 12px; align-items: center; }


  body.page-pre-underwrite /* BUTTONS */
  .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 11px 20px; border: none; border-radius: 8px; font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; text-decoration: none; transition: all 0.18s ease; line-height: 1; white-space: nowrap; }

  body.page-pre-underwrite .btn-primary { background: var(--teal-deep); color: #fff; }

  body.page-pre-underwrite .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-pre-underwrite .btn-quiet { background: transparent; color: var(--ink-soft); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: var(--line); padding: 11px 0; }

  body.page-pre-underwrite .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-pre-underwrite .btn-lg { padding: 15px 26px; font-size: 14px; }

  body.page-pre-underwrite .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-pre-underwrite .btn-arrow:hover svg { transform: translateX(3px); }

  body.page-pre-underwrite .btn-primary-light { background: #fff; color: var(--teal-deep); }

  body.page-pre-underwrite .btn-primary-light:hover { background: var(--bg-warm); transform: translateY(-1px); }

  body.page-pre-underwrite .btn-quiet-light { background: transparent; color: rgba(255,255,255,0.7); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: rgba(255,255,255,0.25); padding: 11px 0; }

  body.page-pre-underwrite .btn-quiet-light:hover { color: var(--terracotta-soft); text-decoration-color: var(--terracotta-soft); }


  body.page-pre-underwrite /* TYPOGRAPHY */
  .eyebrow { display: inline-flex; align-items: center; gap: 12px; font-size: 11px; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 22px; }

  body.page-pre-underwrite .eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--terracotta); }

  body.page-pre-underwrite .eyebrow.centered { justify-content: center; margin-left: auto; margin-right: auto; }

  body.page-pre-underwrite .eyebrow.centered::before { display: none; }

  body.page-pre-underwrite .eyebrow.on-dark { color: var(--terracotta-soft); }

  body.page-pre-underwrite .eyebrow.on-dark::before { background: var(--terracotta-soft); }

  body.page-pre-underwrite .section-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(32px, 3.4vw, 46px); line-height: 1.08; letter-spacing: -0.022em; color: var(--ink); margin-bottom: 22px; }

  body.page-pre-underwrite .section-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-pre-underwrite .section-support { font-size: 17px; line-height: 1.65; color: var(--ink-soft); max-width: 720px; margin: 0 auto 48px; }


  body.page-pre-underwrite /* §1 HERO — two-column with Art photo */
  .hero-wrap { background: var(--bg); position: relative; overflow: hidden; padding: 80px 32px 72px; }

  body.page-pre-underwrite .hero-wrap::before { content: ''; position: absolute; top: -20%; right: -10%; width: 60%; height: 140%; background: radial-gradient(ellipse, rgba(184,92,56,0.10) 0%, transparent 60%); pointer-events: none; }

  body.page-pre-underwrite .hero-wrap::after { content: ''; position: absolute; bottom: -30%; left: -10%; width: 50%; height: 90%; background: radial-gradient(ellipse, rgba(27,58,75,0.06) 0%, transparent 65%); pointer-events: none; }

  body.page-pre-underwrite .hero-inner { position: relative; max-width: 1240px; margin: 0 auto; z-index: 2; }

  body.page-pre-underwrite .hero-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 64px; align-items: stretch; }

  body.page-pre-underwrite .hero-content { text-align: left; display: flex; flex-direction: column; }

  body.page-pre-underwrite .hero-content .eyebrow { justify-content: flex-start; }

  body.page-pre-underwrite .hero-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(32px, 3.4vw, 48px); line-height: 1.06; letter-spacing: -0.024em; color: var(--ink); margin-bottom: 22px; }

  body.page-pre-underwrite .hero-headline em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-pre-underwrite .hero-support { font-size: 17px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 28px; }

  body.page-pre-underwrite .hero-bullets { list-style: none; margin: 0 0 28px; padding: 0; }

  body.page-pre-underwrite .hero-bullets li { font-size: 15px; line-height: 1.6; color: var(--ink-soft); padding: 7px 0 7px 26px; position: relative; }

  body.page-pre-underwrite .hero-bullets li::before { content: ''; position: absolute; left: 0; top: 17px; width: 14px; height: 1.5px; background: var(--terracotta); }

  body.page-pre-underwrite .hero-ctas { display: flex; gap: 16px; align-items: center; margin-bottom: 18px; flex-wrap: wrap; }

  body.page-pre-underwrite .hero-reassurance { font-size: 13px; color: var(--ink-muted); margin-bottom: 28px; }


  body.page-pre-underwrite .trust-strip { margin-top: auto; padding-top: 24px; border-top: 1px solid var(--line); display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; }

  body.page-pre-underwrite .trust-item .trust-num { font-family: 'Fraunces', serif; font-size: 28px; font-weight: 500; color: var(--teal-deep); line-height: 1.05; letter-spacing: -0.01em; margin-bottom: 4px; }

  body.page-pre-underwrite .trust-item .trust-label { font-size: 10px; font-weight: 600; color: var(--ink-muted); text-transform: uppercase; letter-spacing: 0.12em; line-height: 1.3; }


  body.page-pre-underwrite /* Hero photo card */
  .hero-photo {
    width: 100%;
    aspect-ratio: 4/5;
    background: linear-gradient(180deg, var(--teal-soft) 0%, var(--teal-deep) 100%);
    border-radius: 14px;
    position: relative;
    overflow: hidden;
    box-shadow: 0 30px 60px -20px rgba(18,40,51,0.35), 0 8px 24px -8px rgba(18,40,51,0.18);
    align-self: stretch;
  }

  body.page-pre-underwrite .hero-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 25%; }

  body.page-pre-underwrite .hero-photo-placeholder { width: 100%; height: 100%; display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.4); font-size: 13px; letter-spacing: 0.1em; text-transform: uppercase; background: radial-gradient(ellipse at 30% 30%, rgba(184,92,56,0.18) 0%, transparent 60%), var(--teal-deep); }

  body.page-pre-underwrite .hero-caption { position: absolute; left: 24px; bottom: 24px; background: rgba(18,40,51,0.7); backdrop-filter: blur(8px); padding: 14px 18px; border-radius: 10px; color: #fff; border: 1px solid rgba(255,255,255,0.1); }

  body.page-pre-underwrite .hero-caption .name { font-family: 'Fraunces', serif; font-size: 16px; font-weight: 500; line-height: 1.2; margin-bottom: 2px; }

  body.page-pre-underwrite .hero-caption .role { font-size: 11.5px; color: rgba(255,255,255,0.75); letter-spacing: 0.02em; }


  body.page-pre-underwrite /* States ribbon */
  .states-ribbon { background: var(--bg-deep); border-top: 1px solid var(--line); border-bottom: 2px solid var(--line); padding: 16px 32px; }

  body.page-pre-underwrite .states-inner { max-width: 1240px; margin: 0 auto; display: flex; align-items: center; gap: 28px; flex-wrap: wrap; }

  body.page-pre-underwrite .states-label { font-size: 11px; font-weight: 600; color: var(--terracotta); text-transform: uppercase; letter-spacing: 0.22em; display: inline-flex; align-items: center; gap: 12px; flex-shrink: 0; }

  body.page-pre-underwrite .states-label::before { content: ''; width: 24px; height: 1px; background: var(--terracotta); }

  body.page-pre-underwrite .states-list { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; font-size: 13px; font-weight: 500; color: var(--ink); }

  body.page-pre-underwrite .states-list .sep { color: var(--terracotta); font-weight: 400; }


  body.page-pre-underwrite /* BLOCK */
  .block { padding: 96px 32px; position: relative; }

  body.page-pre-underwrite .block.warm { background: var(--bg-warm); }

  body.page-pre-underwrite .block.cream { background: var(--bg); }

  body.page-pre-underwrite .block-inner { max-width: 1240px; margin: 0 auto; }

  body.page-pre-underwrite .block-head { text-align: center; margin-bottom: 56px; max-width: 820px; margin-left: auto; margin-right: auto; }

  body.page-pre-underwrite .block-head .section-support { margin-bottom: 0; }


  body.page-pre-underwrite /* §2 COMPARISON CARDS — Pre-Approval vs Pre-Underwrite */
  .compare-grid { display: grid; grid-template-columns: 1fr 1.1fr; gap: 28px; align-items: stretch; max-width: 1080px; margin: 0 auto; }

  body.page-pre-underwrite .compare-card { background: var(--bg-card); border-radius: 14px; padding: 40px 36px; display: flex; flex-direction: column; transition: all 0.22s ease; position: relative; }

  body.page-pre-underwrite .compare-card.standard { border: 1px solid var(--line); color: var(--ink-soft); }

  body.page-pre-underwrite .compare-card.standard .compare-label { background: var(--bg-warm); color: var(--ink-muted); }

  body.page-pre-underwrite .compare-card.standard h3 { color: var(--ink); }

  body.page-pre-underwrite .compare-card.standard .compare-body { color: var(--ink-soft); }

  body.page-pre-underwrite .compare-card.standard .compare-catch { color: var(--ink-soft); border-top: 1px solid var(--line); padding-top: 18px; margin-top: 18px; font-size: 14px; line-height: 1.65; }

  body.page-pre-underwrite .compare-card.standard .compare-catch strong { color: var(--ink); font-weight: 600; }


  body.page-pre-underwrite .compare-card.favored { border: 1px solid var(--terracotta); background: var(--bg-card); position: relative; box-shadow: 0 20px 50px -22px rgba(184,92,56,0.20), 0 4px 14px -4px rgba(18,40,51,0.08); }

  body.page-pre-underwrite .compare-card.favored::before {
    content: '';
    position: absolute;
    top: -1px; left: -1px; right: -1px; bottom: -1px;
    border-radius: 14px;
    pointer-events: none;
    background: linear-gradient(180deg, rgba(184,92,56,0.06) 0%, transparent 60%);
  }

  body.page-pre-underwrite .compare-card .compare-label {
    display: inline-block;
    font-size: 10px;
    font-weight: 700;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    padding: 5px 10px;
    border-radius: 4px;
    margin-bottom: 18px;
    align-self: flex-start;
    position: relative;
    z-index: 1;
  }

  body.page-pre-underwrite .compare-card.favored .compare-label { background: var(--terracotta); color: #fff; }

  body.page-pre-underwrite .compare-card h3 {
    font-family: 'Fraunces', serif;
    font-weight: 500;
    font-size: 26px;
    line-height: 1.18;
    color: var(--ink);
    margin-bottom: 16px;
    letter-spacing: -0.014em;
    position: relative;
    z-index: 1;
  }

  body.page-pre-underwrite .compare-card.favored h3 { font-size: 30px; }

  body.page-pre-underwrite .compare-card .compare-body {
    font-size: 15.5px;
    line-height: 1.7;
    color: var(--ink-soft);
    margin-bottom: 16px;
    position: relative;
    z-index: 1;
  }

  body.page-pre-underwrite .compare-card.favored .compare-body { color: var(--ink-soft); }

  body.page-pre-underwrite .compare-card.favored .compare-body em { font-style: italic; color: var(--ink); }

  body.page-pre-underwrite .compare-card.favored .compare-result {
    margin-top: auto;
    padding-top: 18px;
    border-top: 1px solid rgba(184,92,56,0.25);
    font-size: 14.5px;
    line-height: 1.65;
    color: var(--ink-soft);
    position: relative;
    z-index: 1;
  }

  body.page-pre-underwrite .compare-card.favored .compare-result strong { color: var(--terracotta-deep); font-weight: 600; }


  body.page-pre-underwrite /* §3 NUMBERED LIST + PULL QUOTE */
  .why-list { max-width: 820px; margin: 0 auto 56px; }

  body.page-pre-underwrite .why-item { display: grid; grid-template-columns: 88px 1fr; gap: 28px; align-items: start; padding: 28px 0; border-bottom: 1px solid var(--line-soft); }

  body.page-pre-underwrite .why-item:first-child { border-top: 1px solid var(--line-soft); }

  body.page-pre-underwrite .why-num {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-style: italic;
    font-size: 56px;
    line-height: 1;
    color: var(--terracotta);
    letter-spacing: -0.02em;
  }

  body.page-pre-underwrite .why-body {
    font-size: 16.5px;
    line-height: 1.65;
    color: var(--ink-soft);
    padding-top: 6px;
  }

  body.page-pre-underwrite .why-body strong { color: var(--ink); font-weight: 600; }


  body.page-pre-underwrite .pull-quote {
    text-align: center;
    max-width: 820px;
    margin: 0 auto;
    padding: 36px 32px;
    position: relative;
  }

  body.page-pre-underwrite .pull-quote::before,
body.page-pre-underwrite .pull-quote::after {
    content: '';
    position: absolute;
    left: 50%;
    transform: translateX(-50%);
    width: 48px;
    height: 1.5px;
    background: var(--terracotta);
  }

  body.page-pre-underwrite .pull-quote::before { top: 0; }

  body.page-pre-underwrite .pull-quote::after { bottom: 0; }

  body.page-pre-underwrite .pull-quote blockquote {
    font-family: 'Fraunces', serif;
    font-weight: 400;
    font-style: italic;
    font-size: clamp(24px, 2.4vw, 32px);
    line-height: 1.3;
    color: var(--ink);
    letter-spacing: -0.012em;
  }

  body.page-pre-underwrite .pull-quote blockquote em { color: var(--terracotta); font-style: italic; }


  body.page-pre-underwrite /* §4 PROCESS — lite-card pattern from home (4 steps + 3 arrows) */
  .lite-cards {
    display: grid;
    grid-template-columns: 1fr 28px 1fr 28px 1fr 28px 1fr;
    align-items: stretch;
    gap: 12px;
    margin: 32px 0 48px;
  }

  body.page-pre-underwrite .lite-card { background: transparent; padding: 24px 22px 26px; transition: all 0.3s ease; display: flex; flex-direction: column; }

  body.page-pre-underwrite .lite-card:hover .lite-num { color: var(--terracotta-deep); }

  body.page-pre-underwrite .lite-num { font-family: 'Fraunces', serif; font-style: italic; font-size: 13px; font-weight: 500; color: var(--terracotta); margin-bottom: 14px; padding-bottom: 14px; border-bottom: 1px solid var(--line); letter-spacing: 0.08em; transition: border-color 0.3s ease; }

  body.page-pre-underwrite .lite-card:hover .lite-num { border-bottom-color: var(--terracotta); }

  body.page-pre-underwrite .lite-card h4 { font-family: 'Fraunces', serif; font-weight: 500; font-size: 20px; line-height: 1.22; letter-spacing: -0.01em; margin-bottom: 12px; color: var(--ink); }

  body.page-pre-underwrite .lite-card p { font-size: 14.5px; line-height: 1.6; color: var(--ink-soft); }

  body.page-pre-underwrite .lite-arrow { display: flex; align-items: center; justify-content: center; color: var(--terracotta); opacity: 0.5; }

  body.page-pre-underwrite .lite-arrow svg { width: 22px; height: 22px; }

  body.page-pre-underwrite .process-cta-row { display: flex; flex-direction: column; align-items: center; gap: 14px; margin-top: 16px; }

  body.page-pre-underwrite .process-reassurance { font-size: 13px; color: var(--ink-muted); }


  body.page-pre-underwrite /* §5 FAQ */
  .faq-list { max-width: 820px; margin: 0 auto; }

  body.page-pre-underwrite .faq-item { border-bottom: 1px solid var(--line); padding: 28px 0; }

  body.page-pre-underwrite .faq-item:first-child { border-top: 1px solid var(--line); }

  body.page-pre-underwrite .faq-question { font-family: 'Fraunces', serif; font-weight: 500; font-size: 21px; line-height: 1.3; color: var(--ink); margin-bottom: 12px; letter-spacing: -0.012em; }

  body.page-pre-underwrite .faq-answer { font-size: 15.5px; line-height: 1.65; color: var(--ink-soft); }

  body.page-pre-underwrite .faq-answer em { color: var(--ink); font-style: italic; }

  body.page-pre-underwrite .faq-answer a { color: var(--terracotta); font-weight: 600; text-decoration: none; border-bottom: 1px solid rgba(184,92,56,0.4); transition: all 0.18s; }

  body.page-pre-underwrite .faq-answer a:hover { border-bottom-color: var(--terracotta); }


  body.page-pre-underwrite /* §6 FINAL CTA WITH PHOTO */
  .final-cta-photo { background: var(--teal-deep); color: #fff; padding: 96px 32px; position: relative; overflow: hidden; }

  body.page-pre-underwrite .final-cta-photo::before { content: ''; position: absolute; top: -30%; right: -10%; width: 50%; height: 130%; background: radial-gradient(ellipse, rgba(184,92,56,0.14) 0%, transparent 55%); pointer-events: none; }

  body.page-pre-underwrite .final-cta-inner { position: relative; z-index: 2; max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 360px 1fr; gap: 64px; align-items: center; }

  body.page-pre-underwrite .final-photo { aspect-ratio: 4/5; background: linear-gradient(180deg, var(--teal-soft) 0%, var(--teal-deep) 100%); border-radius: 12px; position: relative; overflow: hidden; box-shadow: 0 24px 60px -20px rgba(0,0,0,0.5); }

  body.page-pre-underwrite .final-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }

  body.page-pre-underwrite .final-photo-placeholder { width: 100%; height: 100%; display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.4); font-size: 13px; letter-spacing: 0.1em; text-transform: uppercase; background: radial-gradient(ellipse at 30% 30%, rgba(184,92,56,0.18) 0%, transparent 60%), var(--teal-deep); }

  body.page-pre-underwrite .final-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(32px, 3.4vw, 44px); line-height: 1.1; letter-spacing: -0.022em; color: #fff; margin-bottom: 22px; }

  body.page-pre-underwrite .final-headline em { font-style: italic; color: var(--terracotta-soft); }

  body.page-pre-underwrite .final-support { font-size: 17px; line-height: 1.65; color: rgba(255,255,255,0.78); margin-bottom: 32px; max-width: 540px; }

  body.page-pre-underwrite .final-ctas { display: flex; gap: 16px; align-items: center; margin-bottom: 18px; flex-wrap: wrap; }

  body.page-pre-underwrite .final-reassurance { font-size: 13px; color: rgba(255,255,255,0.55); }


  body.page-pre-underwrite /* Page footnote */
  .page-footnote { background: var(--bg-warm); padding: 24px 32px; border-bottom: 1px solid var(--line); border-top: 1px solid var(--line); }

  body.page-pre-underwrite .page-footnote-inner { max-width: 940px; margin: 0 auto; font-size: 12px; line-height: 1.6; color: var(--ink-muted); font-style: italic; }


  body.page-pre-underwrite /* FOOTER */
  footer.site-footer { background: var(--teal-deep); color: rgba(255,255,255,0.78); padding: 72px 32px 28px; border-top: 1px solid rgba(255,255,255,0.06); }

  body.page-pre-underwrite .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-pre-underwrite .footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 56px; }

  body.page-pre-underwrite .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-pre-underwrite .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-pre-underwrite .footer-tagline { font-size: 14px; line-height: 1.6; color: rgba(255,255,255,0.65); margin: 14px 0 18px; max-width: 280px; }

  body.page-pre-underwrite .footer-credentials { font-size: 11.5px; color: rgba(255,255,255,0.5); line-height: 1.6; margin-bottom: 22px; }

  body.page-pre-underwrite .footer-socials { display: flex; gap: 12px; }

  body.page-pre-underwrite .footer-socials a { width: 34px; height: 34px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.15); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); transition: all 0.25s ease; }

  body.page-pre-underwrite .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-pre-underwrite .footer-socials svg { width: 14px; height: 14px; }

  body.page-pre-underwrite .footer-col h5 { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 15px; margin-bottom: 18px; letter-spacing: -0.005em; }

  body.page-pre-underwrite .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-pre-underwrite .footer-col ul a { color: rgba(255,255,255,0.65); text-decoration: none; font-size: 13.5px; transition: color 0.2s; }

  body.page-pre-underwrite .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-pre-underwrite .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-pre-underwrite .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }

  body.page-pre-underwrite .footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 28px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 18px; font-size: 12px; color: rgba(255,255,255,0.45); }

  body.page-pre-underwrite .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-pre-underwrite .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-pre-underwrite .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-pre-underwrite .ehl-badge { display: inline-flex; align-items: center; gap: 8px; font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; }

  body.page-pre-underwrite .ehl-icon { width: 22px; height: 22px; border: 1px solid rgba(255,255,255,0.5); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 700; }


  body.page-pre-underwrite .sticky-mobile-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 50; background: var(--teal-deep); padding: 12px 16px; box-shadow: 0 -8px 24px rgba(0,0,0,0.18); }

  body.page-pre-underwrite .sticky-mobile-cta .btn { width: 100%; }


  @media (max-width: 1080px) {
body.page-pre-underwrite .hero-grid { grid-template-columns: 1fr; gap: 40px; }

    body.page-pre-underwrite .hero-photo { max-width: 420px; margin: 0 auto; }

    body.page-pre-underwrite .compare-grid { grid-template-columns: 1fr; max-width: 640px; }

    body.page-pre-underwrite .lite-cards { grid-template-columns: 1fr; gap: 8px; }

    body.page-pre-underwrite .lite-arrow { transform: rotate(90deg); padding: 6px 0; }

    body.page-pre-underwrite .final-cta-inner { grid-template-columns: 1fr; gap: 40px; }

    body.page-pre-underwrite .final-photo { max-width: 360px; margin: 0 auto; }

    body.page-pre-underwrite .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
}

  @media (max-width: 720px) {
body.page-pre-underwrite .block { padding: 64px 20px; }

    body.page-pre-underwrite .hero-wrap { padding: 56px 20px 64px; }

    body.page-pre-underwrite .final-cta-photo { padding: 64px 20px; }

    body.page-pre-underwrite .utility-rates .rate-label { display: none; }

    body.page-pre-underwrite nav.main-nav,
body.page-pre-underwrite .header-ctas .btn-primary { display: none; }

    body.page-pre-underwrite .trust-strip { grid-template-columns: repeat(2, 1fr); gap: 18px; }

    body.page-pre-underwrite .compare-card { padding: 32px 26px; }

    body.page-pre-underwrite .compare-card.favored h3 { font-size: 26px; }

    body.page-pre-underwrite .why-item { grid-template-columns: 56px 1fr; gap: 18px; padding: 22px 0; }

    body.page-pre-underwrite .why-num { font-size: 40px; }

    body.page-pre-underwrite .why-body { font-size: 15.5px; padding-top: 2px; }

    body.page-pre-underwrite .pull-quote { padding: 28px 20px; }

    body.page-pre-underwrite .hero-ctas,
body.page-pre-underwrite .final-ctas { flex-direction: column; align-items: stretch; }

    body.page-pre-underwrite .hero-ctas .btn,
body.page-pre-underwrite .final-ctas .btn { width: 100%; }

    body.page-pre-underwrite .footer-grid { grid-template-columns: 1fr; }

    body.page-pre-underwrite .sticky-mobile-cta { display: block; }

    body.page-pre-underwrite { padding-bottom: 76px; }

    body.page-pre-underwrite .footer-bottom { flex-direction: column; align-items: flex-start; }

    body.page-pre-underwrite .states-inner { gap: 16px; }
}

  @media (prefers-reduced-motion: reduce) {
body.page-pre-underwrite *,
body.page-pre-underwrite *::before,
body.page-pre-underwrite *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}


/* ===== Source: pillar-template-final.html (body.page-pillar) ===== */
body.page-pillar {
    --bg: #F8F4ED; --bg-card: #FFFFFF; --bg-warm: #F1EBDF; --bg-deep: #EAE0CC;
    --ink: #2A2520; --ink-soft: #5A524A; --ink-muted: #8A8278;
    --teal: #1B3A4B; --teal-deep: #122833; --teal-soft: #3A6478;
    --terracotta: #B85C38; --terracotta-soft: #D88562; --terracotta-deep: #8a4226;
    --line: #E5DCC9; --line-soft: #EFE7D6;
  }

  body.page-pillar * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }

  body.page-pillar { font-family: 'Manrope', sans-serif; background: var(--bg); color: var(--ink); line-height: 1.6; font-size: 16px; -webkit-font-smoothing: antialiased; }

  body.page-pillar a { color: inherit; }


  body.page-pillar /* UTILITY + HEADER (same as article template) */
  .utility-bar { background: var(--teal-deep); color: rgba(255,255,255,0.78); font-size: 11.5px; padding: 0 32px; border-bottom: 1px solid rgba(255,255,255,0.06); }

  body.page-pillar .utility-inner { max-width: 1240px; margin: 0 auto; padding: 7px 0; display: flex; align-items: center; gap: 24px; }

  body.page-pillar .utility-rates { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

  body.page-pillar .utility-rates .rate-label { color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.16em; font-size: 10px; font-weight: 600; }

  body.page-pillar .utility-rates .rate-pair { display: inline-flex; align-items: baseline; gap: 6px; }

  body.page-pillar .utility-rates .rate-term { color: rgba(255,255,255,0.6); font-size: 10.5px; text-transform: uppercase; letter-spacing: 0.14em; font-weight: 600; }

  body.page-pillar .utility-rates .rate-val { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 13.5px; }

  body.page-pillar .utility-rates .rate-sep { color: rgba(255,255,255,0.25); }

  body.page-pillar .utility-rates a.rate-source { color: rgba(255,255,255,0.55); text-decoration: none; font-size: 10.5px; }

  body.page-pillar .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }


  body.page-pillar .site-header { position: sticky; top: 0; z-index: 100; background: rgba(248,244,237,0.92); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line-soft); padding: 0 32px; }

  body.page-pillar .header-inner { max-width: 1240px; margin: 0 auto; padding: 18px 0; display: flex; align-items: center; justify-content: space-between; gap: 32px; }

  body.page-pillar .logo { display: flex; align-items: baseline; gap: 12px; text-decoration: none; color: var(--ink); }

  body.page-pillar .logo-mark { font-family: 'Fraunces', serif; font-size: 24px; font-weight: 500; letter-spacing: -0.02em; color: var(--teal-deep); line-height: 1; }

  body.page-pillar .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-pillar nav.main-nav { display: flex; gap: 30px; }

  body.page-pillar nav.main-nav a { color: var(--ink-soft); text-decoration: none; font-size: 14px; font-weight: 500; position: relative; padding: 4px 0; transition: color 0.2s; }

  body.page-pillar nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-pillar nav.main-nav a.active { color: var(--teal-deep); }

  body.page-pillar nav.main-nav a.active::after { content: ''; position: absolute; bottom: 0; left: 0; width: 100%; height: 1px; background: var(--terracotta); }

  body.page-pillar nav.main-nav a.has-dropdown::before { content: '⌄'; position: absolute; right: -12px; top: 2px; font-size: 10px; color: var(--ink-muted); }

  body.page-pillar .header-ctas { display: flex; gap: 12px; align-items: center; }


  body.page-pillar .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 11px 20px; border: none; border-radius: 8px; font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; text-decoration: none; transition: all 0.18s ease; line-height: 1; white-space: nowrap; }

  body.page-pillar .btn-primary { background: var(--teal-deep); color: #fff; }

  body.page-pillar .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-pillar .btn-quiet { background: transparent; color: var(--ink-soft); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: var(--line); padding: 11px 0; }

  body.page-pillar .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-pillar .btn-lg { padding: 15px 26px; font-size: 14px; }

  body.page-pillar .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-pillar .btn-arrow:hover svg { transform: translateX(3px); }

  body.page-pillar .btn-primary-light { background: #fff; color: var(--teal-deep); }

  body.page-pillar .btn-primary-light:hover { background: var(--bg-warm); transform: translateY(-1px); }


  body.page-pillar .eyebrow { display: inline-flex; align-items: center; gap: 12px; font-size: 11px; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 18px; }

  body.page-pillar .eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--terracotta); }

  body.page-pillar .eyebrow.centered { justify-content: center; margin-left: auto; margin-right: auto; }

  body.page-pillar .eyebrow.centered::before { display: none; }

  body.page-pillar .eyebrow.on-dark { color: var(--terracotta-soft); }

  body.page-pillar .eyebrow.on-dark::before { background: var(--terracotta-soft); }


  body.page-pillar /* BREADCRUMB */
  .breadcrumb-bar { background: var(--bg-warm); border-bottom: 1px solid var(--line); padding: 12px 32px; }

  body.page-pillar .breadcrumb-inner { max-width: 1240px; margin: 0 auto; font-size: 12px; color: var(--ink-muted); }

  body.page-pillar .breadcrumb-inner a { color: var(--ink-soft); text-decoration: none; font-weight: 500; transition: color 0.18s; }

  body.page-pillar .breadcrumb-inner a:hover { color: var(--terracotta); }

  body.page-pillar .breadcrumb-inner .sep { margin: 0 8px; color: var(--line); }

  body.page-pillar .breadcrumb-inner .current { color: var(--ink); font-weight: 600; }


  body.page-pillar /* PILLAR HERO */
  .pillar-hero { background: var(--bg); padding: 80px 32px 56px; position: relative; overflow: hidden; }

  body.page-pillar .pillar-hero::before { content: ''; position: absolute; top: -20%; right: -10%; width: 60%; height: 140%; background: radial-gradient(ellipse, rgba(184,92,56,0.10) 0%, transparent 60%); pointer-events: none; }

  body.page-pillar .pillar-hero::after { content: ''; position: absolute; bottom: -30%; left: -10%; width: 50%; height: 90%; background: radial-gradient(ellipse, rgba(27,58,75,0.06) 0%, transparent 65%); pointer-events: none; }

  body.page-pillar .pillar-hero-inner { max-width: 880px; margin: 0 auto; position: relative; z-index: 1; }

  body.page-pillar .pillar-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(38px, 4.4vw, 58px); line-height: 1.04; letter-spacing: -0.024em; color: var(--ink); margin-bottom: 20px; }

  body.page-pillar .pillar-headline em { font-style: italic; color: var(--terracotta); }

  body.page-pillar .pillar-lead { font-size: 18px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 32px; max-width: 760px; }


  body.page-pillar /* PROGRESS STRIP — anonymous tracking with soft capture */
  .progress-strip {
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-left: 3px solid var(--terracotta);
    border-radius: 12px;
    padding: 20px 24px;
    max-width: 720px;
    display: grid;
    grid-template-columns: auto 1fr auto;
    gap: 20px;
    align-items: center;
  }

  body.page-pillar .progress-circle {
    width: 56px; height: 56px;
    border-radius: 50%;
    background: linear-gradient(135deg, var(--terracotta) 0%, var(--terracotta-deep) 100%);
    color: #fff;
    display: flex; align-items: center; justify-content: center;
    font-family: 'Fraunces', serif; font-weight: 500; font-size: 18px;
    box-shadow: 0 8px 20px -6px rgba(184,92,56,0.4);
    position: relative;
  }

  body.page-pillar .progress-circle .progress-frac { font-size: 16px; line-height: 1; }

  body.page-pillar .progress-content .progress-label { font-size: 10.5px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 4px; }

  body.page-pillar .progress-content .progress-text { font-size: 14px; color: var(--ink-soft); line-height: 1.4; }

  body.page-pillar .progress-content .progress-text strong { color: var(--ink); font-weight: 600; }

  body.page-pillar .progress-save-link {
    font-size: 12px;
    color: var(--terracotta);
    font-weight: 600;
    background: none;
    border: none;
    cursor: pointer;
    padding: 0;
    text-align: right;
    line-height: 1.4;
  }

  body.page-pillar .progress-save-link:hover { color: var(--terracotta-deep); text-decoration: underline; }

  body.page-pillar .progress-save-link small { display: block; font-weight: 500; color: var(--ink-muted); font-size: 11px; margin-top: 2px; }


  body.page-pillar /* Save-progress modal (compact) */
  .save-progress-popup {
    display: none;
    position: fixed;
    bottom: 24px;
    right: 24px;
    z-index: 100;
    background: #fff;
    border: 1px solid var(--line);
    border-radius: 12px;
    padding: 24px;
    box-shadow: 0 24px 60px -16px rgba(18,40,51,0.2);
    max-width: 360px;
  }

  body.page-pillar .save-progress-popup.open { display: block; }

  body.page-pillar .save-progress-popup h4 { font-family: 'Fraunces', serif; font-weight: 500; font-size: 18px; line-height: 1.25; color: var(--ink); margin-bottom: 8px; }

  body.page-pillar .save-progress-popup p { font-size: 13.5px; line-height: 1.55; color: var(--ink-soft); margin-bottom: 14px; }

  body.page-pillar .save-progress-popup form { display: flex; gap: 8px; }

  body.page-pillar .save-progress-popup input { flex: 1; background: var(--bg); border: 1px solid var(--line); padding: 9px 12px; border-radius: 8px; font-family: inherit; font-size: 13px; }

  body.page-pillar .save-progress-popup input:focus { outline: none; border-color: var(--terracotta); }

  body.page-pillar .save-progress-popup button { background: var(--teal-deep); color: #fff; border: none; padding: 9px 14px; border-radius: 8px; font-family: inherit; font-size: 12.5px; font-weight: 600; cursor: pointer; }

  body.page-pillar .save-progress-popup .close-btn { position: absolute; top: 12px; right: 12px; background: none; border: none; cursor: pointer; color: var(--ink-muted); font-size: 16px; padding: 4px; }


  body.page-pillar /* TOOLKIT BUNDLE — featured download (overlaps hero) */
  .toolkit-bundle {
    background: linear-gradient(155deg, var(--teal-deep) 0%, #1a3a4d 100%);
    color: #fff;
    margin: 0 auto;
    max-width: 1100px;
    border-radius: 16px;
    padding: 48px;
    transform: translateY(-32px);
    position: relative;
    overflow: hidden;
    box-shadow: 0 30px 60px -20px rgba(18,40,51,0.3);
  }

  body.page-pillar .toolkit-bundle::before { content: ''; position: absolute; top: -30%; right: -10%; width: 40%; height: 130%; background: radial-gradient(ellipse, rgba(184,92,56,0.18) 0%, transparent 55%); pointer-events: none; }

  body.page-pillar .toolkit-bundle-inner { display: grid; grid-template-columns: 280px 1fr; gap: 48px; align-items: center; position: relative; z-index: 1; }


  body.page-pillar /* Stacked PDF + worksheet visual */
  .toolkit-visual { position: relative; aspect-ratio: 1/1; }

  body.page-pillar .toolkit-pdf,
body.page-pillar .toolkit-worksheet,
body.page-pillar .toolkit-calc {
    position: absolute;
    background: var(--bg-warm);
    border-radius: 6px;
    padding: 18px 14px;
    box-shadow: 0 20px 40px -16px rgba(0,0,0,0.5), 0 4px 12px -4px rgba(0,0,0,0.2);
    display: flex; flex-direction: column;
  }

  body.page-pillar .toolkit-pdf { z-index: 3; top: 0; left: 30%; width: 70%; aspect-ratio: 3/4; transform: rotate(2deg); }

  body.page-pillar .toolkit-worksheet { z-index: 2; top: 18%; left: 0; width: 56%; aspect-ratio: 3/4; transform: rotate(-6deg); background: #fff; }

  body.page-pillar .toolkit-calc { z-index: 1; top: 50%; left: 50%; width: 48%; aspect-ratio: 4/3; transform: rotate(8deg); background: var(--bg-card); padding: 12px 10px; }

  body.page-pillar .toolkit-pdf .pdf-eyebrow,
body.page-pillar .toolkit-worksheet .pdf-eyebrow { font-size: 7.5px; font-weight: 700; letter-spacing: 0.2em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 8px; }

  body.page-pillar .toolkit-pdf .pdf-title,
body.page-pillar .toolkit-worksheet .pdf-title { font-family: 'Fraunces', serif; font-weight: 500; font-size: 12px; line-height: 1.15; color: var(--ink); margin-bottom: auto; }

  body.page-pillar .toolkit-pdf .pdf-meta,
body.page-pillar .toolkit-worksheet .pdf-meta { font-size: 8px; font-weight: 600; letter-spacing: 0.14em; text-transform: uppercase; color: var(--ink-muted); padding-top: 8px; border-top: 1px solid var(--line); }

  body.page-pillar .toolkit-calc .calc-bar { width: 100%; height: 4px; background: var(--line); border-radius: 2px; margin-bottom: 4px; }

  body.page-pillar .toolkit-calc .calc-bar.fill { background: var(--terracotta); width: 60%; }

  body.page-pillar .toolkit-calc .calc-num { font-family: 'Fraunces', serif; font-size: 14px; color: var(--terracotta-deep); font-weight: 500; margin-top: auto; }


  body.page-pillar .toolkit-content .badge { display: inline-block; background: var(--terracotta); color: #fff; font-size: 10px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; padding: 5px 10px; border-radius: 4px; margin-bottom: 18px; }

  body.page-pillar .toolkit-content h2 { font-family: 'Fraunces', serif; font-weight: 400; font-size: 30px; line-height: 1.1; color: #fff; letter-spacing: -0.022em; margin-bottom: 14px; }

  body.page-pillar .toolkit-content h2 em { font-style: italic; color: var(--terracotta-soft); }

  body.page-pillar .toolkit-content .toolkit-includes { display: flex; flex-direction: column; gap: 6px; margin-bottom: 22px; }

  body.page-pillar .toolkit-content .toolkit-includes li { font-size: 14.5px; color: rgba(255,255,255,0.85); padding-left: 22px; position: relative; list-style: none; line-height: 1.5; }

  body.page-pillar .toolkit-content .toolkit-includes li::before { content: '✓'; position: absolute; left: 0; color: var(--terracotta-soft); font-weight: 700; }

  body.page-pillar .toolkit-form { display: flex; gap: 10px; }

  body.page-pillar .toolkit-form input { flex: 1; background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.2); color: #fff; padding: 12px 14px; border-radius: 8px; font-family: inherit; font-size: 14px; }

  body.page-pillar .toolkit-form input::placeholder { color: rgba(255,255,255,0.45); }

  body.page-pillar .toolkit-form input:focus { outline: none; border-color: var(--terracotta-soft); background: rgba(255,255,255,0.12); }

  body.page-pillar .toolkit-form button { background: #fff; color: var(--teal-deep); border: none; border-radius: 8px; padding: 12px 18px; font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; white-space: nowrap; display: inline-flex; align-items: center; gap: 6px; transition: all 0.18s; }

  body.page-pillar .toolkit-form button:hover { background: var(--bg-warm); transform: translateY(-1px); }

  body.page-pillar .toolkit-form button svg { width: 12px; height: 12px; }

  body.page-pillar .toolkit-form-note { font-size: 11.5px; color: rgba(255,255,255,0.5); margin-top: 10px; }

  body.page-pillar .toolkit-form-disabled-note { margin-top: 12px; padding: 8px 12px; background: rgba(216,133,98,0.10); border-left: 2px solid var(--terracotta-soft); font-size: 11px; font-style: italic; color: rgba(255,255,255,0.65); border-radius: 0 4px 4px 0; }


  body.page-pillar /* SYLLABUS (modules + lessons) */
  .syllabus { padding: 40px 32px 64px; }

  body.page-pillar .syllabus-inner { max-width: 880px; margin: 0 auto; }

  body.page-pillar .module-section { margin-bottom: 56px; }

  body.page-pillar .module-header { margin-bottom: 24px; }

  body.page-pillar .module-eyebrow { font-size: 10.5px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 8px; }

  body.page-pillar .module-title { font-family: 'Fraunces', serif; font-weight: 500; font-size: 24px; line-height: 1.2; color: var(--ink); margin-bottom: 6px; letter-spacing: -0.014em; }

  body.page-pillar .module-sub { font-size: 14.5px; color: var(--ink-muted); }

  body.page-pillar .lesson-list { display: flex; flex-direction: column; gap: 12px; }

  body.page-pillar .lesson-card {
    display: grid;
    grid-template-columns: 60px 1fr auto;
    gap: 20px;
    align-items: center;
    padding: 20px 24px;
    background: var(--bg-card);
    border: 1px solid var(--line);
    border-radius: 12px;
    transition: all 0.22s ease;
    text-decoration: none;
    color: inherit;
  }

  body.page-pillar .lesson-card:hover { transform: translateX(4px); border-color: var(--terracotta-soft); box-shadow: 0 8px 20px -10px rgba(18,40,51,0.12); }

  body.page-pillar .lesson-card:hover .lesson-arrow svg { transform: translateX(3px); }

  body.page-pillar .lesson-num {
    width: 44px; height: 44px;
    border-radius: 50%;
    border: 2px solid var(--terracotta);
    color: var(--terracotta);
    display: flex; align-items: center; justify-content: center;
    font-family: 'Fraunces', serif; font-weight: 500; font-size: 17px;
    font-style: italic;
    transition: all 0.22s ease;
    flex-shrink: 0;
  }

  body.page-pillar .lesson-card.completed .lesson-num {
    background: var(--terracotta);
    color: #fff;
    border-color: var(--terracotta);
  }

  body.page-pillar .lesson-card.completed .lesson-num::before {
    content: '✓';
    font-style: normal;
    font-family: 'Manrope', sans-serif;
    font-size: 18px;
    font-weight: 700;
  }

  body.page-pillar .lesson-card.completed .lesson-num span { display: none; }

  body.page-pillar .lesson-card.current .lesson-num {
    background: rgba(184,92,56,0.12);
    box-shadow: 0 0 0 3px rgba(184,92,56,0.1);
  }

  body.page-pillar .lesson-content { display: flex; flex-direction: column; gap: 4px; }

  body.page-pillar .lesson-title-row { display: flex; align-items: center; flex-wrap: wrap; gap: 10px; }

  body.page-pillar .lesson-title { font-family: 'Fraunces', serif; font-weight: 500; font-size: 18px; line-height: 1.25; color: var(--ink); letter-spacing: -0.012em; }

  body.page-pillar .lesson-meta { font-size: 12.5px; color: var(--ink-muted); display: flex; gap: 8px; align-items: center; flex-wrap: wrap; }

  body.page-pillar .lesson-meta .sep { color: var(--line); }

  body.page-pillar .lesson-arrow { color: var(--terracotta); }

  body.page-pillar .lesson-arrow svg { width: 18px; height: 18px; transition: transform 0.22s; }


  body.page-pillar .badge-start-here { padding: 4px 10px; background: var(--terracotta); color: #fff; font-size: 9.5px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; border-radius: 4px; display: inline-block; }

  body.page-pillar .badge-featured { padding: 4px 10px; background: rgba(184,92,56,0.15); color: var(--terracotta); font-size: 9.5px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; border-radius: 4px; display: inline-block; }


  body.page-pillar /* ADJACENT CLUSTERS */
  .adjacent-clusters { background: var(--bg-warm); padding: 72px 32px; border-top: 1px solid var(--line); }

  body.page-pillar .adjacent-inner { max-width: 1100px; margin: 0 auto; }

  body.page-pillar .adjacent-head { text-align: center; max-width: 680px; margin: 0 auto 40px; }

  body.page-pillar .adjacent-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(26px, 2.8vw, 34px); line-height: 1.15; letter-spacing: -0.018em; color: var(--ink); margin-bottom: 12px; }

  body.page-pillar .adjacent-headline em { font-style: italic; color: var(--terracotta); }

  body.page-pillar .adjacent-sub { font-size: 15px; color: var(--ink-soft); }

  body.page-pillar .adjacent-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }

  body.page-pillar .adjacent-card { background: var(--bg-card); border: 1px solid var(--line); border-radius: 12px; padding: 28px; display: flex; flex-direction: column; text-decoration: none; color: inherit; transition: all 0.22s ease; }

  body.page-pillar .adjacent-card:hover { transform: translateY(-3px); box-shadow: 0 14px 32px -12px rgba(18,40,51,0.16); border-color: var(--terracotta-soft); }

  body.page-pillar .adjacent-card h3 { font-family: 'Fraunces', serif; font-weight: 500; font-size: 19px; line-height: 1.22; color: var(--ink); margin-bottom: 10px; letter-spacing: -0.012em; }

  body.page-pillar .adjacent-card p { font-size: 14px; line-height: 1.6; color: var(--ink-soft); margin-bottom: 16px; flex-grow: 1; }

  body.page-pillar .adjacent-card .card-cta { display: inline-flex; align-items: center; gap: 6px; color: var(--terracotta); font-size: 13px; font-weight: 600; }

  body.page-pillar .adjacent-card .card-cta svg { width: 13px; height: 13px; transition: transform 0.18s; }

  body.page-pillar .adjacent-card:hover .card-cta svg { transform: translateX(3px); }


  body.page-pillar /* WHEN YOU'RE READY — final CTA section */
  .when-ready-section { background: var(--teal-deep); color: #fff; padding: 80px 32px; position: relative; overflow: hidden; }

  body.page-pillar .when-ready-section::before { content: ''; position: absolute; top: -30%; right: -10%; width: 50%; height: 130%; background: radial-gradient(ellipse, rgba(184,92,56,0.14) 0%, transparent 55%); pointer-events: none; }

  body.page-pillar .when-ready-inner { position: relative; z-index: 1; max-width: 800px; margin: 0 auto; text-align: center; }

  body.page-pillar .when-ready-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(28px, 3.2vw, 40px); line-height: 1.1; letter-spacing: -0.022em; color: #fff; margin-bottom: 20px; }

  body.page-pillar .when-ready-headline em { font-style: italic; color: var(--terracotta-soft); }

  body.page-pillar .when-ready-body { font-size: 17px; line-height: 1.65; color: rgba(255,255,255,0.78); margin-bottom: 32px; max-width: 640px; margin-left: auto; margin-right: auto; }

  body.page-pillar .when-ready-ctas { display: flex; gap: 16px; justify-content: center; align-items: center; margin-bottom: 18px; flex-wrap: wrap; }

  body.page-pillar .when-ready-section .btn-quiet-light { background: transparent; color: rgba(255,255,255,0.7); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: rgba(255,255,255,0.25); padding: 11px 0; }

  body.page-pillar .when-ready-section .btn-quiet-light:hover { color: var(--terracotta-soft); text-decoration-color: var(--terracotta-soft); }

  body.page-pillar .when-ready-reassurance { font-size: 13px; color: rgba(255,255,255,0.55); }


  body.page-pillar /* FOOTER */
  footer.site-footer { background: #0a1a23; color: rgba(255,255,255,0.78); padding: 72px 32px 28px; border-top: 1px solid rgba(255,255,255,0.06); }

  body.page-pillar .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-pillar .footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 56px; }

  body.page-pillar .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-pillar .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-pillar .footer-tagline { font-size: 14px; line-height: 1.6; color: rgba(255,255,255,0.65); margin: 14px 0 18px; max-width: 280px; }

  body.page-pillar .footer-credentials { font-size: 11.5px; color: rgba(255,255,255,0.5); line-height: 1.6; margin-bottom: 22px; }

  body.page-pillar .footer-socials { display: flex; gap: 12px; }

  body.page-pillar .footer-socials a { width: 34px; height: 34px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.15); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); transition: all 0.25s ease; }

  body.page-pillar .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-pillar .footer-socials svg { width: 14px; height: 14px; }

  body.page-pillar .footer-col h5 { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 15px; margin-bottom: 18px; letter-spacing: -0.005em; }

  body.page-pillar .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-pillar .footer-col ul a { color: rgba(255,255,255,0.65); text-decoration: none; font-size: 13.5px; transition: color 0.2s; }

  body.page-pillar .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-pillar .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-pillar .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }

  body.page-pillar .footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 28px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 18px; font-size: 12px; color: rgba(255,255,255,0.45); }

  body.page-pillar .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-pillar .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-pillar .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-pillar .ehl-badge { display: inline-flex; align-items: center; gap: 8px; font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; }

  body.page-pillar .ehl-icon { width: 22px; height: 22px; border: 1px solid rgba(255,255,255,0.5); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 700; }


  body.page-pillar .sticky-mobile-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 50; background: var(--teal-deep); padding: 12px 16px; box-shadow: 0 -8px 24px rgba(0,0,0,0.18); }

  body.page-pillar .sticky-mobile-cta .btn { width: 100%; background: #fff; color: var(--teal-deep); }


  @media (max-width: 980px) {
body.page-pillar .toolkit-bundle { margin: 0 16px; padding: 32px 28px; }

    body.page-pillar .toolkit-bundle-inner { grid-template-columns: 1fr; gap: 32px; }

    body.page-pillar .toolkit-visual { max-width: 240px; margin: 0 auto; }

    body.page-pillar .adjacent-grid { grid-template-columns: 1fr; }

    body.page-pillar .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }

    body.page-pillar .progress-strip { grid-template-columns: auto 1fr; }

    body.page-pillar .progress-save-link { grid-column: 1 / -1; text-align: left; padding-top: 8px; border-top: 1px solid var(--line-soft); }
}

  @media (max-width: 720px) {
body.page-pillar .pillar-hero { padding: 56px 20px 40px; }

    body.page-pillar .syllabus { padding: 32px 20px 56px; }

    body.page-pillar .adjacent-clusters { padding: 56px 20px; }

    body.page-pillar .when-ready-section { padding: 56px 20px; }

    body.page-pillar .utility-rates .rate-label { display: none; }

    body.page-pillar nav.main-nav,
body.page-pillar .header-ctas .btn-primary { display: none; }

    body.page-pillar .lesson-card { grid-template-columns: 44px 1fr; padding: 16px 18px; }

    body.page-pillar .lesson-card .lesson-arrow { display: none; }

    body.page-pillar .lesson-num { width: 36px; height: 36px; font-size: 14px; }

    body.page-pillar .lesson-title { font-size: 16px; }

    body.page-pillar .toolkit-form { flex-direction: column; }

    body.page-pillar .toolkit-form button { width: 100%; justify-content: center; }

    body.page-pillar .footer-grid { grid-template-columns: 1fr; }

    body.page-pillar .sticky-mobile-cta { display: block; }

    body.page-pillar { padding-bottom: 76px; }

    body.page-pillar .when-ready-ctas { flex-direction: column; align-items: stretch; }

    body.page-pillar .when-ready-ctas .btn { width: 100%; }

    body.page-pillar .footer-bottom { flex-direction: column; align-items: flex-start; }

    body.page-pillar .save-progress-popup { bottom: 90px; right: 16px; left: 16px; max-width: none; }
}

  @media (prefers-reduced-motion: reduce) {
body.page-pillar *,
body.page-pillar *::before,
body.page-pillar *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}


/* ===== Source: article-template-final.html (body.page-article) ===== */
body.page-article {
    --bg: #F8F4ED; --bg-card: #FFFFFF; --bg-warm: #F1EBDF; --bg-deep: #EAE0CC;
    --ink: #2A2520; --ink-soft: #5A524A; --ink-muted: #8A8278;
    --teal: #1B3A4B; --teal-deep: #122833; --teal-soft: #3A6478;
    --terracotta: #B85C38; --terracotta-soft: #D88562; --terracotta-deep: #8a4226;
    --line: #E5DCC9; --line-soft: #EFE7D6;
  }

  body.page-article * { box-sizing: border-box; margin: 0; padding: 0; }

  html { scroll-behavior: smooth; }

  body.page-article { font-family: 'Manrope', sans-serif; background: var(--bg); color: var(--ink); line-height: 1.6; font-size: 16px; -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; }

  body.page-article a { color: inherit; }


  body.page-article /* UTILITY BAR */
  .utility-bar { background: var(--teal-deep); color: rgba(255,255,255,0.78); font-size: 11.5px; font-weight: 500; letter-spacing: 0.02em; border-bottom: 1px solid rgba(255,255,255,0.06); padding: 0 32px; }

  body.page-article .utility-inner { max-width: 1240px; margin: 0 auto; padding: 7px 0; display: flex; align-items: center; gap: 24px; }

  body.page-article .utility-rates { display: flex; align-items: center; gap: 14px; flex-wrap: wrap; }

  body.page-article .utility-rates .rate-label { color: rgba(255,255,255,0.55); text-transform: uppercase; letter-spacing: 0.16em; font-size: 10px; font-weight: 600; }

  body.page-article .utility-rates .rate-pair { display: inline-flex; align-items: baseline; gap: 6px; }

  body.page-article .utility-rates .rate-term { color: rgba(255,255,255,0.6); font-size: 10.5px; text-transform: uppercase; letter-spacing: 0.14em; font-weight: 600; }

  body.page-article .utility-rates .rate-val { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 13.5px; }

  body.page-article .utility-rates .rate-sep { color: rgba(255,255,255,0.25); }

  body.page-article .utility-rates a.rate-source { color: rgba(255,255,255,0.55); text-decoration: none; font-size: 10.5px; transition: color 0.2s; }

  body.page-article .utility-rates a.rate-source:hover { color: var(--terracotta-soft); }


  body.page-article /* HEADER */
  .site-header { position: sticky; top: 0; z-index: 100; background: rgba(248,244,237,0.92); backdrop-filter: blur(12px); border-bottom: 1px solid var(--line-soft); padding: 0 32px; }

  body.page-article .header-inner { max-width: 1240px; margin: 0 auto; padding: 18px 0; display: flex; align-items: center; justify-content: space-between; gap: 32px; }

  body.page-article .logo { display: flex; align-items: baseline; gap: 12px; text-decoration: none; color: var(--ink); }

  body.page-article .logo-mark { font-family: 'Fraunces', serif; font-size: 24px; font-weight: 500; letter-spacing: -0.02em; color: var(--teal-deep); line-height: 1; }

  body.page-article .logo-mark em { font-style: italic; color: var(--terracotta); font-weight: 400; }

  body.page-article nav.main-nav { display: flex; gap: 30px; }

  body.page-article nav.main-nav a { color: var(--ink-soft); text-decoration: none; font-size: 14px; font-weight: 500; position: relative; padding: 4px 0; transition: color 0.2s; }

  body.page-article nav.main-nav a:hover { color: var(--teal-deep); }

  body.page-article nav.main-nav a.active { color: var(--teal-deep); }

  body.page-article nav.main-nav a.active::after { content: ''; position: absolute; bottom: 0; left: 0; width: 100%; height: 1px; background: var(--terracotta); }

  body.page-article nav.main-nav a.has-dropdown::before { content: '⌄'; position: absolute; right: -12px; top: 2px; font-size: 10px; color: var(--ink-muted); }

  body.page-article .header-ctas { display: flex; gap: 12px; align-items: center; }


  body.page-article /* Buttons */
  .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 11px 20px; border: none; border-radius: 8px; font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; text-decoration: none; transition: all 0.18s ease; line-height: 1; white-space: nowrap; }

  body.page-article .btn-primary { background: var(--teal-deep); color: #fff; }

  body.page-article .btn-primary:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-article .btn-quiet { background: transparent; color: var(--ink-soft); text-decoration: underline; text-underline-offset: 4px; text-decoration-color: var(--line); padding: 11px 0; }

  body.page-article .btn-quiet:hover { color: var(--terracotta); text-decoration-color: var(--terracotta); }

  body.page-article .btn-arrow svg { width: 14px; height: 14px; transition: transform 0.18s; }

  body.page-article .btn-arrow:hover svg { transform: translateX(3px); }


  body.page-article .eyebrow { display: inline-flex; align-items: center; gap: 12px; font-size: 11px; font-weight: 600; letter-spacing: 0.2em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 18px; }

  body.page-article .eyebrow::before { content: ''; width: 24px; height: 1px; background: var(--terracotta); }


  body.page-article /* Breadcrumb strip */
  .breadcrumb-bar { background: var(--bg-warm); border-bottom: 1px solid var(--line); padding: 12px 32px; }

  body.page-article .breadcrumb-inner { max-width: 1240px; margin: 0 auto; font-size: 12px; color: var(--ink-muted); }

  body.page-article .breadcrumb-inner a { color: var(--ink-soft); text-decoration: none; font-weight: 500; transition: color 0.18s; }

  body.page-article .breadcrumb-inner a:hover { color: var(--terracotta); }

  body.page-article .breadcrumb-inner .sep { margin: 0 8px; color: var(--line); }

  body.page-article .breadcrumb-inner .current { color: var(--ink); font-weight: 600; }


  body.page-article /* ARTICLE HERO */
  .article-hero { background: var(--bg); padding: 64px 32px 48px; position: relative; overflow: hidden; }

  body.page-article .article-hero::before { content: ''; position: absolute; top: -20%; right: -10%; width: 40%; height: 120%; background: radial-gradient(ellipse, rgba(184,92,56,0.08) 0%, transparent 60%); pointer-events: none; }

  body.page-article .article-hero-inner { max-width: 880px; margin: 0 auto; position: relative; z-index: 1; }

  body.page-article .article-headline { font-family: 'Fraunces', serif; font-weight: 400; font-size: clamp(36px, 4vw, 52px); line-height: 1.08; letter-spacing: -0.022em; color: var(--ink); margin-bottom: 20px; }

  body.page-article .article-headline em { font-style: italic; color: var(--terracotta); }

  body.page-article .article-lead { font-size: 19px; line-height: 1.65; color: var(--ink-soft); margin-bottom: 28px; max-width: 720px; }

  body.page-article .article-byline { font-size: 13px; color: var(--ink-muted); border-top: 1px solid var(--line); padding-top: 18px; display: flex; flex-wrap: wrap; gap: 14px; align-items: center; }

  body.page-article .article-byline .author { color: var(--ink); font-weight: 600; }

  body.page-article .article-byline .sep { color: var(--line); }


  body.page-article /* Hero media */
  .article-hero-media { padding: 0 32px 56px; }

  body.page-article .article-hero-img { width: 100%; max-width: 1100px; margin: 0 auto; aspect-ratio: 16/8; background: linear-gradient(135deg, var(--teal-deep) 0%, var(--teal) 50%, var(--terracotta-deep) 150%); border-radius: 14px; display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.4); font-size: 12px; letter-spacing: 0.1em; text-transform: uppercase; box-shadow: 0 24px 60px -20px rgba(18,40,51,0.3); position: relative; overflow: hidden; }

  body.page-article .article-hero-img::before { content: ''; position: absolute; top: 50%; left: 50%; width: 80px; height: 80px; border-radius: 50%; background: rgba(255,255,255,0.15); backdrop-filter: blur(8px); transform: translate(-50%, -50%); display: flex; align-items: center; justify-content: center; }

  body.page-article .article-hero-img::after { content: ''; position: absolute; top: 50%; left: 50%; width: 0; height: 0; border-left: 16px solid #fff; border-top: 11px solid transparent; border-bottom: 11px solid transparent; transform: translate(-30%, -50%); }


  body.page-article /* MAIN LAYOUT — body + sidebar */
  .article-layout { max-width: 1240px; margin: 0 auto; padding: 0 32px 96px; display: grid; grid-template-columns: 1fr 280px; gap: 64px; align-items: start; }

  body.page-article .article-body { max-width: 720px; }


  body.page-article /* Body typography */
  .article-body h2 { font-family: 'Fraunces', serif; font-weight: 500; font-size: 28px; line-height: 1.2; letter-spacing: -0.015em; color: var(--ink); margin: 48px 0 18px; scroll-margin-top: 100px; }

  body.page-article .article-body h2:first-child { margin-top: 0; }

  body.page-article .article-body h3 { font-family: 'Fraunces', serif; font-weight: 500; font-size: 21px; line-height: 1.3; letter-spacing: -0.012em; color: var(--ink); margin: 36px 0 12px; }

  body.page-article .article-body p { font-size: 16.5px; line-height: 1.75; color: var(--ink-soft); margin-bottom: 18px; }

  body.page-article .article-body p strong { color: var(--ink); font-weight: 600; }

  body.page-article .article-body em { font-style: italic; color: var(--ink); }

  body.page-article .article-body ul,
body.page-article .article-body ol { margin: 0 0 22px 24px; }

  body.page-article .article-body li { font-size: 16.5px; line-height: 1.75; color: var(--ink-soft); margin-bottom: 8px; }

  body.page-article .article-body li strong { color: var(--ink); font-weight: 600; }

  body.page-article .article-body a { color: var(--terracotta); font-weight: 600; text-decoration: none; border-bottom: 1px solid rgba(184,92,56,0.4); transition: border 0.18s; }

  body.page-article .article-body a:hover { border-bottom-color: var(--terracotta); }

  body.page-article .article-body blockquote { border-left: 3px solid var(--terracotta); padding: 6px 24px; margin: 28px 0; font-family: 'Fraunces', serif; font-style: italic; font-size: 19px; line-height: 1.55; color: var(--ink); }


  body.page-article /* Mid-article CTA card */
  .mid-cta-card { background: linear-gradient(155deg, var(--teal-deep) 0%, #1a3a4d 100%); color: #fff; padding: 36px 36px; border-radius: 12px; margin: 44px 0; position: relative; overflow: hidden; }

  body.page-article .mid-cta-card::before { content: ''; position: absolute; top: -30%; right: -10%; width: 50%; height: 130%; background: radial-gradient(ellipse, rgba(184,92,56,0.16) 0%, transparent 55%); pointer-events: none; }

  body.page-article .mid-cta-card .inner { position: relative; z-index: 1; }

  body.page-article .mid-cta-card h4 { font-family: 'Fraunces', serif; font-weight: 500; font-size: 22px; line-height: 1.25; margin-bottom: 10px; }

  body.page-article .mid-cta-card p { font-size: 15px; color: rgba(255,255,255,0.78); margin-bottom: 18px; }

  body.page-article .mid-cta-card .btn-light { display: inline-flex; align-items: center; gap: 8px; background: #fff; color: var(--teal-deep); padding: 12px 20px; border-radius: 8px; font-weight: 600; font-size: 13.5px; text-decoration: none; transition: all 0.18s; }

  body.page-article .mid-cta-card .btn-light:hover { background: var(--bg-warm); transform: translateY(-1px); }

  body.page-article .mid-cta-card .btn-light svg { width: 14px; height: 14px; }


  body.page-article /* End of article — closing block */
  .article-closing { background: var(--bg-warm); border: 1px solid var(--line); border-radius: 12px; padding: 32px 32px; margin: 48px 0 36px; }

  body.page-article .article-closing p { font-size: 16.5px; line-height: 1.7; color: var(--ink-soft); margin-bottom: 12px; }

  body.page-article .article-closing p:last-child { margin-bottom: 0; }

  body.page-article .article-closing p em { font-style: italic; color: var(--ink); }


  body.page-article /* Article footer CTA — Get My Options */
  .article-footer-cta { padding: 36px 0; border-top: 1px solid var(--line); margin-top: 36px; text-align: center; }

  body.page-article .article-footer-cta h3 { font-family: 'Fraunces', serif; font-weight: 500; font-size: 26px; line-height: 1.2; letter-spacing: -0.014em; color: var(--ink); margin-bottom: 14px; }

  body.page-article .article-footer-cta h3 em { font-style: italic; color: var(--terracotta); }

  body.page-article .article-footer-cta p { font-size: 15px; color: var(--ink-soft); margin-bottom: 22px; }

  body.page-article .article-footer-cta .footer-ctas { display: flex; gap: 16px; justify-content: center; align-items: center; flex-wrap: wrap; margin-bottom: 14px; }

  body.page-article .article-footer-cta .reassurance { font-size: 12.5px; color: var(--ink-muted); }


  body.page-article /* Email capture inline */
  .inline-capture { background: var(--bg-card); border: 1px solid var(--line); border-left: 3px solid var(--terracotta); border-radius: 8px; padding: 28px; margin: 40px 0; }

  body.page-article .inline-capture h4 { font-family: 'Fraunces', serif; font-weight: 500; font-size: 20px; line-height: 1.25; color: var(--ink); margin-bottom: 8px; }

  body.page-article .inline-capture p { font-size: 14px; line-height: 1.55; color: var(--ink-soft); margin-bottom: 16px; }

  body.page-article .inline-capture form { display: flex; gap: 10px; }

  body.page-article .inline-capture input { flex: 1; background: var(--bg); border: 1px solid var(--line); padding: 11px 14px; border-radius: 8px; font-family: inherit; font-size: 14px; transition: all 0.18s; }

  body.page-article .inline-capture input:focus { outline: none; border-color: var(--terracotta); background: #fff; }

  body.page-article .inline-capture button { background: var(--teal-deep); color: #fff; border: none; padding: 11px 18px; border-radius: 8px; font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; white-space: nowrap; display: inline-flex; align-items: center; gap: 6px; transition: all 0.18s; }

  body.page-article .inline-capture button:hover { background: var(--teal); transform: translateY(-1px); }

  body.page-article .inline-capture button svg { width: 12px; height: 12px; }

  body.page-article .inline-capture .form-note { font-size: 11.5px; color: var(--ink-muted); margin-top: 10px; }

  body.page-article .form-disabled-note { margin-top: 14px; padding: 8px 12px; background: rgba(184,92,56,0.08); border-left: 2px solid var(--terracotta); font-size: 11px; font-style: italic; color: var(--ink-muted); border-radius: 0 4px 4px 0; }


  body.page-article /* SIDEBAR */
  .sidebar { position: sticky; top: 92px; max-height: calc(100vh - 120px); overflow-y: auto; padding-right: 4px; }

  body.page-article .sidebar::-webkit-scrollbar { width: 4px; }

  body.page-article .sidebar::-webkit-scrollbar-track { background: transparent; }

  body.page-article .sidebar::-webkit-scrollbar-thumb { background: var(--line); border-radius: 2px; }

  body.page-article .sidebar-block { padding-bottom: 28px; border-bottom: 1px solid var(--line); margin-bottom: 28px; }

  body.page-article .sidebar-block:last-child { border-bottom: 0; margin-bottom: 0; }

  body.page-article .sidebar-label { font-size: 10.5px; font-weight: 700; letter-spacing: 0.18em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 14px; }

  body.page-article .toc-list { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 2px; }

  body.page-article .toc-list a { font-size: 13.5px; color: var(--ink-soft); transition: all 0.18s; line-height: 1.4; display: block; padding: 7px 0 7px 16px; border-left: 1px solid var(--line); }

  body.page-article .toc-list a:hover { color: var(--terracotta); border-left-color: var(--terracotta); }

  body.page-article .toc-list a.active { color: var(--terracotta-deep); border-left-color: var(--terracotta); font-weight: 600; border-left-width: 2px; padding-left: 15px; }


  body.page-article .cluster-card { background: var(--bg-warm); border: 1px solid var(--line); border-radius: 8px; padding: 16px; text-decoration: none; display: block; transition: all 0.18s; }

  body.page-article .cluster-card:hover { transform: translateY(-2px); box-shadow: 0 8px 20px -10px rgba(18,40,51,0.12); border-color: var(--terracotta-soft); }

  body.page-article .cluster-card .cluster-meta { font-size: 10px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase; color: var(--terracotta); margin-bottom: 6px; }

  body.page-article .cluster-card .cluster-title { font-family: 'Fraunces', serif; font-weight: 500; font-size: 16px; line-height: 1.25; color: var(--ink); margin-bottom: 4px; letter-spacing: -0.012em; }

  body.page-article .cluster-card .cluster-sub { font-size: 12px; color: var(--ink-muted); }


  body.page-article .related-list { display: flex; flex-direction: column; gap: 12px; }

  body.page-article .related-item { padding: 12px 14px; background: var(--bg-card); border: 1px solid var(--line); border-radius: 8px; transition: all 0.18s; text-decoration: none; display: block; }

  body.page-article .related-item:hover { border-color: var(--terracotta-soft); transform: translateY(-2px); }

  body.page-article .related-item .title { font-family: 'Fraunces', serif; font-size: 14px; font-weight: 500; line-height: 1.3; color: var(--ink); margin-bottom: 4px; letter-spacing: -0.01em; }

  body.page-article .related-item .meta { font-size: 11px; color: var(--ink-muted); }


  body.page-article /* Bottom-of-article CTA section — beyond sidebar,
body.page-article full width within max */
  .article-end-section { background: var(--bg-warm); padding: 64px 32px; border-top: 1px solid var(--line); }

  body.page-article .article-end-inner { max-width: 1100px; margin: 0 auto; display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: stretch; }

  body.page-article .end-card { background: var(--bg-card); border: 1px solid var(--line); border-radius: 12px; padding: 32px; display: flex; flex-direction: column; }

  body.page-article .end-card .eyebrow { margin-bottom: 12px; }

  body.page-article .end-card h3 { font-family: 'Fraunces', serif; font-weight: 500; font-size: 22px; line-height: 1.25; color: var(--ink); margin-bottom: 10px; letter-spacing: -0.012em; }

  body.page-article .end-card h3 em { font-style: italic; color: var(--terracotta); }

  body.page-article .end-card p { font-size: 14.5px; line-height: 1.6; color: var(--ink-soft); margin-bottom: 18px; flex-grow: 1; }

  body.page-article .end-card .end-form { display: flex; flex-direction: column; gap: 10px; }

  body.page-article .end-card .end-form-row { display: flex; gap: 8px; }

  body.page-article .end-card .end-form input { flex: 1; background: var(--bg); border: 1px solid var(--line); padding: 11px 14px; border-radius: 8px; font-family: inherit; font-size: 14px; }

  body.page-article .end-card .end-form input:focus { outline: none; border-color: var(--terracotta); background: #fff; }

  body.page-article .end-card .end-form button { background: var(--teal-deep); color: #fff; border: none; padding: 11px 18px; border-radius: 8px; font-family: inherit; font-size: 13px; font-weight: 600; cursor: pointer; white-space: nowrap; display: inline-flex; align-items: center; gap: 6px; }

  body.page-article .end-card .end-form button svg { width: 12px; height: 12px; }

  body.page-article .end-card .form-note { font-size: 11.5px; color: var(--ink-muted); }


  body.page-article /* FOOTER */
  footer.site-footer { background: var(--teal-deep); color: rgba(255,255,255,0.78); padding: 72px 32px 28px; border-top: 1px solid rgba(255,255,255,0.06); }

  body.page-article .footer-inner { max-width: 1240px; margin: 0 auto; }

  body.page-article .footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px; margin-bottom: 56px; }

  body.page-article .footer-brand .logo-mark { color: #fff; font-size: 22px; }

  body.page-article .footer-brand .logo-mark em { color: var(--terracotta-soft); }

  body.page-article .footer-tagline { font-size: 14px; line-height: 1.6; color: rgba(255,255,255,0.65); margin: 14px 0 18px; max-width: 280px; }

  body.page-article .footer-credentials { font-size: 11.5px; color: rgba(255,255,255,0.5); line-height: 1.6; margin-bottom: 22px; }

  body.page-article .footer-socials { display: flex; gap: 12px; }

  body.page-article .footer-socials a { width: 34px; height: 34px; border-radius: 50%; border: 1px solid rgba(255,255,255,0.15); display: flex; align-items: center; justify-content: center; color: rgba(255,255,255,0.7); transition: all 0.25s ease; }

  body.page-article .footer-socials a:hover { background: var(--terracotta); border-color: var(--terracotta); color: #fff; }

  body.page-article .footer-socials svg { width: 14px; height: 14px; }

  body.page-article .footer-col h5 { color: #fff; font-family: 'Fraunces', serif; font-weight: 500; font-size: 15px; margin-bottom: 18px; letter-spacing: -0.005em; }

  body.page-article .footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }

  body.page-article .footer-col ul a { color: rgba(255,255,255,0.65); text-decoration: none; font-size: 13.5px; transition: color 0.2s; }

  body.page-article .footer-col ul a:hover { color: var(--terracotta-soft); }

  body.page-article .footer-col p { font-size: 13.5px; line-height: 1.65; color: rgba(255,255,255,0.65); }

  body.page-article .footer-col p strong { color: rgba(255,255,255,0.9); font-weight: 500; }

  body.page-article .footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 28px; display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 18px; font-size: 12px; color: rgba(255,255,255,0.45); }

  body.page-article .footer-bottom .legal-links { display: flex; gap: 22px; }

  body.page-article .footer-bottom a { color: rgba(255,255,255,0.55); text-decoration: none; }

  body.page-article .footer-bottom a:hover { color: var(--terracotta-soft); }

  body.page-article .ehl-badge { display: inline-flex; align-items: center; gap: 8px; font-size: 11px; letter-spacing: 0.08em; text-transform: uppercase; }

  body.page-article .ehl-icon { width: 22px; height: 22px; border: 1px solid rgba(255,255,255,0.5); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 11px; font-weight: 700; }


  body.page-article /* Mobile */
  .sticky-mobile-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 50; background: var(--teal-deep); padding: 12px 16px; box-shadow: 0 -8px 24px rgba(0,0,0,0.18); }

  body.page-article .sticky-mobile-cta .btn { width: 100%; background: #fff; color: var(--teal-deep); }

  body.page-article .sticky-mobile-cta .btn:hover { background: var(--bg-warm); }


  @media (max-width: 980px) {
body.page-article .article-layout { grid-template-columns: 1fr; gap: 40px; }

    body.page-article .sidebar { position: static; max-height: none; overflow: visible; padding-right: 0; }

    body.page-article .toc-list { display: none; }

    body.page-article .sidebar-mobile-toggle { display: block; }

    body.page-article .article-end-inner { grid-template-columns: 1fr; }

    body.page-article .footer-grid { grid-template-columns: 1fr 1fr; gap: 36px; }
}

  @media (max-width: 720px) {
body.page-article .article-hero { padding: 48px 20px 32px; }

    body.page-article .article-hero-media { padding: 0 20px 40px; }

    body.page-article .article-layout { padding: 0 20px 64px; }

    body.page-article .article-body h2 { font-size: 24px; margin: 36px 0 14px; }

    body.page-article .article-body p,
body.page-article .article-body li { font-size: 15.5px; }

    body.page-article .utility-rates .rate-label { display: none; }

    body.page-article nav.main-nav,
body.page-article .header-ctas .btn-primary { display: none; }

    body.page-article .footer-grid { grid-template-columns: 1fr; }

    body.page-article .sticky-mobile-cta { display: block; }

    body.page-article { padding-bottom: 76px; }

    body.page-article .article-footer-cta .footer-ctas { flex-direction: column; align-items: stretch; }

    body.page-article .footer-bottom { flex-direction: column; align-items: flex-start; }

    body.page-article .article-end-section { padding: 48px 20px; }

    body.page-article .end-card { padding: 24px; }

    body.page-article .inline-capture form,
body.page-article .end-card .end-form-row { flex-direction: column; }

    body.page-article .inline-capture button,
body.page-article .end-card .end-form button { width: 100%; justify-content: center; }
}

  @media (prefers-reduced-motion: reduce) {
body.page-article *,
body.page-article *::before,
body.page-article *::after { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; }
}


/* ===== Shared implementation overrides ===== */
.main-nav .has-menu {
  position: relative;
}

.main-nav .has-dropdown {
  display: inline-flex;
  align-items: center;
}

.main-nav .nav-dropdown {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  z-index: 120;
  min-width: 242px;
  padding: 10px;
  background: var(--bg-card);
  border: 1px solid var(--line-soft);
  box-shadow: 0 20px 48px rgba(18, 40, 51, 0.16);
  transform: translateX(-50%) translateY(8px);
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.18s ease, transform 0.18s ease;
}

.main-nav .nav-dropdown::before {
  content: '';
  position: absolute;
  top: -15px;
  left: 0;
  right: 0;
  height: 15px;
}

.main-nav .has-menu:hover .nav-dropdown,
.main-nav .has-menu:focus-within .nav-dropdown,
.main-nav .has-menu.is-open .nav-dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}

.main-nav .nav-dropdown a {
  display: block;
  padding: 10px 12px;
  color: var(--ink-soft);
  line-height: 1.25;
  white-space: nowrap;
}

.main-nav .nav-dropdown a::after,
.main-nav .nav-dropdown a::before {
  display: none;
}

.main-nav .nav-dropdown a:hover,
.main-nav .nav-dropdown a:focus {
  color: var(--teal-deep);
  background: var(--bg-warm);
  outline: none;
}