/* ============================================================================
   OWNERS FIRST — STYLES  (v2 · Web3 / dark-glass)
   Same class names as v1, re-skinned: dark canvas, glassmorphism, gradient glow.
   ========================================================================== */

/* --- Reset & base --------------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }

html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 110px; }

body {
  font-family: var(--font-body);
  font-size: var(--fs-base);
  line-height: var(--lh-normal);
  color: var(--color-text);
  background: var(--bg-0);
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  position: relative;
  overflow-x: hidden;
}

/* Ambient web3 glow — fixed mesh behind everything */
body::before {
  content: "";
  position: fixed;
  inset: -20vh -10vw;
  z-index: -1;
  background:
    radial-gradient(40vw 40vw at 12% 8%, rgba(212,175,55,0.16), transparent 60%),
    radial-gradient(45vw 45vw at 88% 2%, rgba(212,175,55,0.12), transparent 60%),
    radial-gradient(50vw 50vw at 75% 85%, rgba(184,148,31,0.12), transparent 60%);
  filter: blur(20px);
  animation: drift 24s var(--ease) infinite alternate;
  pointer-events: none;
}
@keyframes drift {
  0%   { transform: translate3d(0,0,0) scale(1); }
  100% { transform: translate3d(0,-3%,0) scale(1.08); }
}

img, svg { display: block; max-width: 100%; }
ul, ol { padding: 0; list-style: none; }
a { color: var(--c-blue); text-decoration: none; transition: color var(--dur) var(--ease); }
a:hover { color: var(--c-cyan); }
button { font: inherit; cursor: pointer; }

::selection { background: rgba(212,175,55,0.35); color: #fff; }

:focus-visible { outline: none; box-shadow: var(--shadow-focus); border-radius: var(--radius-sm); }

/* --- Typography ----------------------------------------------------------- */
h1, h2, h3, h4 { font-family: var(--font-display); line-height: var(--lh-tight); color: var(--ink); font-weight: var(--fw-bold); letter-spacing: var(--tracking-tight); }
h1 { font-size: var(--fs-3xl); }
h2 { font-size: var(--fs-2xl); }
h3 { font-size: var(--fs-xl); line-height: var(--lh-snug); }
h4 { font-size: var(--fs-lg); line-height: var(--lh-snug); font-weight: var(--fw-semibold); }
p { color: var(--slate-700); }

.grad-text {
  background: var(--grad-brand);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: transparent;
}

.eyebrow {
  display: inline-block;
  font-family: var(--font-mono);
  font-size: var(--fs-xs);
  font-weight: var(--fw-semibold);
  letter-spacing: var(--tracking-caps);
  text-transform: uppercase;
  margin-bottom: var(--space-3);
  background: var(--grad-brand);
  -webkit-background-clip: text; background-clip: text;
  -webkit-text-fill-color: transparent; color: transparent;
}
.eyebrow.on-dark { -webkit-text-fill-color: transparent; }

.lead { font-size: var(--fs-md); color: var(--slate-700); line-height: var(--lh-normal); }

/* --- Layout helpers ------------------------------------------------------- */
.container { width: 100%; max-width: var(--container-max); margin-inline: auto; padding-inline: var(--gutter); }
.container--narrow { max-width: var(--container-narrow); }
.section { padding-block: var(--section-y); position: relative; }
.section--tint { background: var(--surface); border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.section--alt { background: var(--surface-2); }
.section--navy {
  position: relative; color: #d6def0;
  background:
    radial-gradient(60% 120% at 50% 0%, rgba(212,175,55,0.14), transparent 70%),
    var(--bg-1);
  border-block: 1px solid var(--border);
}
.section--navy h2, .section--navy h3 { color: #fff; }

.section-head { max-width: 660px; margin-bottom: var(--space-12); }
.section-head.center { margin-inline: auto; text-align: center; }
.section-head p { margin-top: var(--space-4); font-size: var(--fs-md); }

.stack > * + * { margin-top: var(--space-4); }
.grid { display: grid; gap: var(--space-6); }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.text-center { text-align: center; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }

/* --- Buttons -------------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: var(--space-2);
  padding: 0.8rem 1.5rem;
  font-family: var(--font-body); font-weight: var(--fw-semibold); font-size: var(--fs-base);
  line-height: 1; border: 1px solid transparent; border-radius: var(--radius-pill);
  cursor: pointer; transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease), background var(--dur) var(--ease), border-color var(--dur) var(--ease), color var(--dur) var(--ease);
  white-space: nowrap; position: relative;
}
.btn svg { width: 1.1em; height: 1.1em; }
.btn--primary { background: var(--grad-brand); color: #1c1608; box-shadow: var(--glow-blue); }
.btn--primary:hover { color: #1c1608; transform: translateY(-2px); box-shadow: var(--glow-violet); }
.btn--accent { background: var(--grad-cyan); color: #04141c; box-shadow: var(--glow-cyan); font-weight: var(--fw-bold); }
.btn--accent:hover { color: #04141c; transform: translateY(-2px); box-shadow: 0 16px 50px -8px rgba(212,175,55,0.6); }
.btn--secondary { background: var(--glass-bg-strong); color: var(--ink); border-color: var(--glass-border-strong); backdrop-filter: blur(var(--glass-blur)); }
.btn--secondary:hover { border-color: var(--c-blue); color: #fff; box-shadow: var(--glow-blue); }
.btn--ghost { background: transparent; color: var(--ink); }
.btn--ghost:hover { background: var(--glass-bg); color: #fff; }
.btn--on-dark { background: #fff; color: #0b0e1b; }
.btn--on-dark:hover { background: #fff; color: #000; transform: translateY(-2px); box-shadow: 0 16px 40px -10px rgba(255,255,255,.35); }
.btn--outline-light { background: rgba(255,255,255,.04); color: #fff; border-color: rgba(255,255,255,.28); backdrop-filter: blur(var(--glass-blur)); }
.btn--outline-light:hover { background: rgba(255,255,255,.1); color: #fff; border-color: #fff; }
.btn--lg { padding: 1rem 1.9rem; font-size: var(--fs-md); }
.btn--block { width: 100%; }
.btn[hidden] { display: none !important; } /* the class sets display, so re-honor [hidden] */

/* --- Badges & pills ------------------------------------------------------- */
.badge {
  display: inline-flex; align-items: center; gap: var(--space-2);
  padding: 0.35rem 0.8rem; font-size: var(--fs-xs); font-weight: var(--fw-semibold);
  letter-spacing: var(--tracking-wide); border-radius: var(--radius-pill);
  background: var(--glass-bg-strong); color: var(--blue-100);
  border: 1px solid var(--glass-border); backdrop-filter: blur(var(--glass-blur));
}
.badge--accent { background: rgba(212,175,55,0.14); color: var(--c-cyan); border-color: rgba(212,175,55,0.3); }
.badge--gold { background: rgba(245,196,81,0.12); color: var(--gold-500); border-color: rgba(245,196,81,0.3); }
.badge--violet { background: rgba(212,175,55,0.16); color: #e7cf86; border-color: rgba(212,175,55,0.32); }
.badge--dot::before { content: ""; width: 6px; height: 6px; border-radius: 50%; background: currentColor; box-shadow: 0 0 8px currentColor; }

/* --- Cards ---------------------------------------------------------------- */
.card {
  background: var(--glass-bg); border: 1px solid var(--glass-border); border-radius: var(--radius-lg);
  padding: var(--space-8); box-shadow: var(--shadow-md); backdrop-filter: blur(var(--glass-blur));
  transition: transform var(--dur) var(--ease-out), box-shadow var(--dur) var(--ease-out), border-color var(--dur) var(--ease);
  position: relative;
}
.card--hover:hover { transform: translateY(-6px); box-shadow: var(--glow-violet); border-color: rgba(212,175,55,0.45); }

.icon-tile {
  display: inline-flex; align-items: center; justify-content: center;
  width: 56px; height: 56px; border-radius: var(--radius-md);
  background: rgba(212,175,55,0.14); color: #e7c86a; margin-bottom: var(--space-5);
  border: 1px solid rgba(212,175,55,0.28);
}
.icon-tile svg { width: 28px; height: 28px; }
.icon-tile--teal { background: rgba(212,175,55,0.16); color: var(--c-cyan); border-color: rgba(212,175,55,0.3); }
.icon-tile--gold { background: rgba(212,175,55,0.18); color: var(--gold-500); border-color: rgba(212,175,55,0.32); }
.icon-tile--navy { background: rgba(255,255,255,0.06); color: #f0e2b0; border-color: rgba(212,175,55,0.28); }

/* Product card */
.product-card { display: flex; flex-direction: column; height: 100%; overflow: hidden; }
.product-card::after { content: ""; position: absolute; inset: 0 0 auto 0; height: 1px; background: var(--grad-line); opacity: 0; transition: opacity var(--dur); }
.product-card:hover::after { opacity: 1; }
.product-card .badge { align-self: flex-start; margin-bottom: var(--space-5); }
.product-card h3 { margin-bottom: var(--space-2); }
.product-card p { font-size: var(--fs-base); flex-grow: 1; }
.product-card .product-link {
  display: inline-flex; align-items: center; gap: var(--space-2); white-space: nowrap;
  margin-top: var(--space-6); font-weight: var(--fw-semibold); font-size: var(--fs-base); color: var(--c-cyan);
}
.product-card .product-link svg { width: 18px; height: 18px; flex-shrink: 0; transition: transform var(--dur) var(--ease); }

/* Homepage program grid — 5 across on desktop, gracefully wrapping below */
.programs-grid { display: grid; gap: var(--space-5); grid-template-columns: repeat(5, minmax(0, 1fr)); }
.programs-grid .card { padding: var(--space-6); }
@media (max-width: 1080px) { .programs-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
@media (max-width: 680px) { .programs-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 460px) { .programs-grid { grid-template-columns: 1fr; } }
.product-card:hover .product-link svg { transform: translateX(4px); }

/* --- Header / floating glass pill nav ------------------------------------- */
.site-header {
  position: sticky; top: 0; z-index: var(--z-header);
  padding-top: var(--space-4); padding-bottom: var(--space-2);
  background: transparent;
  transition: padding var(--dur) var(--ease);
}
.site-header .container { padding-inline: var(--gutter); max-width: 1280px; }
.nav {
  display: flex; align-items: center; gap: var(--space-3);
  height: 64px; padding: 0 0.75rem 0 1.25rem;
  background: rgba(11,13,26,0.55);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-pill);
  box-shadow: 0 10px 40px -16px rgba(0,0,0,0.8), inset 0 1px 0 rgba(255,255,255,0.06);
  backdrop-filter: blur(18px) saturate(140%);
  transition: background var(--dur) var(--ease), border-color var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.site-header.is-scrolled .nav {
  background: rgba(8,10,20,0.8);
  border-color: var(--glass-border-strong);
  box-shadow: 0 14px 50px -16px rgba(0,0,0,0.9), inset 0 1px 0 rgba(255,255,255,0.08);
}

.brand { display: flex; align-items: center; gap: var(--space-3); font-family: var(--font-display); font-weight: var(--fw-extra); font-size: 1.05rem; color: #fff; letter-spacing: var(--tracking-tight); white-space: nowrap; flex-shrink: 0; }
.brand:hover { color: #fff; }
.brand-mark { width: 38px; height: 38px; flex-shrink: 0; border-radius: 11px; box-shadow: var(--glow-violet); }
.brand small { display: block; font-family: var(--font-mono); font-size: 0.58rem; font-weight: var(--fw-semibold); letter-spacing: var(--tracking-caps); text-transform: uppercase; color: var(--slate-400); }

.nav-menu { display: flex; align-items: center; gap: 2px; margin-left: var(--space-2); flex-shrink: 0; }
.nav-link {
  display: inline-flex; align-items: center; gap: var(--space-1);
  padding: 0.5rem 0.8rem; border-radius: var(--radius-pill);
  color: var(--slate-700); font-weight: var(--fw-medium); font-size: 0.95rem;
  white-space: nowrap; flex-shrink: 0;
  transition: color var(--dur) var(--ease), background var(--dur) var(--ease);
}
.nav-link:hover, .nav-link[aria-expanded="true"] { color: #fff; background: var(--glass-bg-strong); }
.nav-link .caret { width: 14px; height: 14px; transition: transform var(--dur) var(--ease); }
.nav-link[aria-expanded="true"] .caret { transform: rotate(180deg); }

.nav-actions { display: flex; align-items: center; gap: var(--space-3); margin-left: auto; flex-shrink: 0; }
.nav-phone { display: inline-flex; align-items: center; gap: var(--space-2); font-weight: var(--fw-semibold); font-size: 0.95rem; color: #e7eaf6; white-space: nowrap; }
.nav-phone svg { width: 18px; height: 18px; color: var(--c-cyan); }
.nav-actions .btn { padding: 0.6rem 1.2rem; }

/* Mega dropdown */
.nav-item { position: relative; }
.dropdown {
  position: absolute; top: calc(100% + 16px); left: 0; z-index: var(--z-dropdown);
  width: 560px; padding: var(--space-5);
  background: rgba(11,13,26,0.92);
  border: 1px solid var(--glass-border-strong); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); backdrop-filter: blur(24px);
  display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-2);
  opacity: 0; visibility: hidden; transform: translateY(10px); transition: all var(--dur) var(--ease-out);
}
.dropdown::before { content: ""; position: absolute; top: -1px; left: var(--space-5); right: var(--space-5); height: 1px; background: var(--grad-line); }
.nav-item.is-open .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown-link { display: flex; gap: var(--space-3); padding: var(--space-3); border-radius: var(--radius-md); transition: background var(--dur); }
.dropdown-link:hover { background: var(--glass-bg-strong); }
.dropdown-link .icon-tile { width: 42px; height: 42px; margin: 0; flex-shrink: 0; }
.dropdown-link .icon-tile svg { width: 22px; height: 22px; }
.dropdown-link strong { display: block; color: #fff; font-family: var(--font-display); font-size: var(--fs-base); }
.dropdown-link span { font-size: var(--fs-sm); color: var(--slate-500); }

/* Theme toggle (injected into .nav-actions by main.js) */
.theme-toggle { width: 40px; height: 40px; flex-shrink: 0; border: 1px solid var(--glass-border); border-radius: var(--radius-pill); background: var(--glass-bg-strong); color: var(--ink); display: inline-flex; align-items: center; justify-content: center; transition: background var(--dur) var(--ease), color var(--dur) var(--ease), border-color var(--dur) var(--ease); }
.theme-toggle:hover { border-color: var(--c-blue); color: var(--c-blue); }
.theme-toggle svg { width: 18px; height: 18px; }
.theme-toggle .t-sun { display: none; }
:root[data-theme="light"] .theme-toggle .t-sun { display: block; }
:root[data-theme="light"] .theme-toggle .t-moon { display: none; }

/* Mobile nav toggle */
.nav-toggle { display: none; width: 44px; height: 44px; border: 1px solid var(--glass-border); border-radius: var(--radius-pill); background: var(--glass-bg-strong); align-items: center; justify-content: center; }
.nav-toggle svg { width: 22px; height: 22px; color: #fff; }

@media (max-width: 1180px) {
  .nav-menu, .nav-actions .btn, .nav-phone { display: none; }
  .nav-toggle { display: inline-flex; }
  .nav-actions { margin-left: auto; }
}

/* Mobile slide-in menu */
.mobile-menu { position: fixed; inset: 0; z-index: var(--z-overlay); visibility: hidden; }
.mobile-menu.is-open { visibility: visible; }
.mobile-menu__scrim { position: absolute; inset: 0; background: rgba(3,4,10,.7); opacity: 0; transition: opacity var(--dur); backdrop-filter: blur(4px); }
.mobile-menu.is-open .mobile-menu__scrim { opacity: 1; }
.mobile-menu__panel {
  position: absolute; top: 0; right: 0; height: 100%; width: min(360px, 86vw);
  background: var(--bg-1); border-left: 1px solid var(--glass-border);
  padding: var(--space-6); overflow-y: auto;
  transform: translateX(100%); transition: transform var(--dur-slow) var(--ease-out);
  display: flex; flex-direction: column; gap: var(--space-2);
}
.mobile-menu.is-open .mobile-menu__panel { transform: translateX(0); }
.mobile-menu__head { display: flex; justify-content: space-between; align-items: center; margin-bottom: var(--space-4); }
.mobile-menu a { padding: var(--space-3) var(--space-4); border-radius: var(--radius-md); color: #e7eaf6; font-weight: var(--fw-medium); }
.mobile-menu a:hover { background: var(--glass-bg-strong); color: #fff; }
.mobile-menu .mobile-sub { display: flex; flex-direction: column; }
.mobile-menu .mobile-sub a { font-size: var(--fs-sm); color: var(--slate-700); padding-left: var(--space-6); }
.mobile-menu .mobile-label { padding: var(--space-3) var(--space-4) var(--space-1); font-size: var(--fs-xs); text-transform: uppercase; letter-spacing: var(--tracking-caps); color: var(--slate-400); font-weight: var(--fw-bold); font-family: var(--font-mono); }
.mobile-menu .btn { margin-top: var(--space-2); }
.icon-btn { width: 40px; height: 40px; border: 1px solid var(--glass-border); border-radius: var(--radius-pill); background: var(--glass-bg-strong); display: inline-flex; align-items: center; justify-content: center; color: #fff; }
.icon-btn svg { color: #fff; }

/* --- Hero ----------------------------------------------------------------- */
.hero { position: relative; overflow: hidden; }
.hero::after {
  content: ""; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(38% 50% at 78% 12%, rgba(212,175,55,0.18), transparent 70%),
    radial-gradient(40% 55% at 6% 88%, rgba(184,148,31,0.18), transparent 70%);
}
.hero .container { position: relative; z-index: 1; }

/* Hero / page-hero background photo layer */
.hero__bg, .page-hero__bg { position: absolute; inset: 0; z-index: 0; pointer-events: none; overflow: hidden; }
.hero__bg img, .page-hero__bg img { width: 100%; height: 100%; object-fit: cover; opacity: 0.6; }
.page-hero__bg img { opacity: 0.42; }
.hero__bg::after, .page-hero__bg::after {
  content: ""; position: absolute; inset: 0;
  background:
    linear-gradient(90deg, var(--bg-0) 4%, rgba(0,0,0,0) 58%),
    linear-gradient(0deg, var(--bg-0) 3%, rgba(0,0,0,0) 42%),
    linear-gradient(180deg, var(--bg-0) 0%, rgba(0,0,0,0) 16%);
}
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: var(--space-16); align-items: center; padding-block: clamp(3rem, 1.5rem + 6vw, 6.5rem); }
.hero h1 { color: #fff; font-size: var(--fs-display); font-weight: var(--fw-extra); }
.hero h1 .accent { background: var(--grad-brand); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: transparent; }
.hero p { color: var(--slate-700); font-size: var(--fs-md); margin-top: var(--space-5); max-width: 48ch; }
.hero-cta { display: flex; flex-wrap: wrap; gap: var(--space-3); margin-top: var(--space-8); }
.hero-trust { display: flex; flex-wrap: wrap; gap: var(--space-8); margin-top: var(--space-10); padding-top: var(--space-6); border-top: 1px solid var(--border); }
.hero-trust div { font-size: var(--fs-sm); color: var(--slate-500); }
.hero-trust strong { display: block; font-family: var(--font-display); font-size: var(--fs-xl); color: #fff; }
@media (max-width: 900px) { .hero-grid { grid-template-columns: 1fr; gap: var(--space-10); } }

/* Rate / estimate card */
.rate-card {
  background: var(--glass-bg-strong); border: 1px solid var(--glass-border-strong);
  border-radius: var(--radius-xl); padding: var(--space-8);
  box-shadow: var(--shadow-lg); backdrop-filter: blur(var(--glass-blur)); color: var(--ink);
  position: relative; overflow: hidden;
}
.rate-card::before { content: ""; position: absolute; top: 0; left: 0; right: 0; height: 1px; background: var(--grad-line); }
.rate-card h3 { font-size: var(--fs-lg); color: #fff; }
.rate-card .muted { color: var(--slate-500); font-size: var(--fs-sm); }
.rate-row { display: flex; justify-content: space-between; align-items: baseline; padding: var(--space-4) 0; border-bottom: 1px solid var(--border); }
.rate-row:last-of-type { border-bottom: 0; }
.rate-row > span:first-child { color: var(--slate-700); }
.rate-row .rate-num { font-family: var(--font-display); font-weight: var(--fw-bold); font-size: var(--fs-xl); color: #fff; }
.rate-row .rate-num span { font-size: var(--fs-sm); color: var(--slate-500); font-weight: var(--fw-medium); }

/* --- Trust strip ---------------------------------------------------------- */
.trust-strip { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: var(--space-8) var(--space-12); }
.trust-strip span { font-weight: var(--fw-semibold); color: var(--slate-500); display: inline-flex; align-items: center; gap: var(--space-2); }
.trust-strip svg { width: 22px; height: 22px; color: var(--slate-400); }

/* --- Stats band ----------------------------------------------------------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: var(--space-8); text-align: center; }
.stats .stat strong { display: block; font-family: var(--font-display); font-size: var(--fs-2xl); font-weight: var(--fw-extra); background: var(--grad-brand); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: transparent; }
.stats .stat span { color: var(--slate-500); font-size: var(--fs-sm); }
@media (max-width: 700px) { .stats { grid-template-columns: repeat(2, 1fr); gap: var(--space-10) var(--space-6); } }

/* --- Steps ---------------------------------------------------------------- */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-8); }
.step { position: relative; padding-top: var(--space-12); }
.step::before {
  counter-increment: step; content: counter(step);
  position: absolute; top: 0; left: 0;
  width: 48px; height: 48px; border-radius: 14px;
  background: var(--grad-brand); color: #1c1608; font-family: var(--font-display);
  font-weight: var(--fw-bold); font-size: var(--fs-lg);
  display: flex; align-items: center; justify-content: center;
  box-shadow: var(--glow-blue);
}
.step h4 { margin-bottom: var(--space-2); }
@media (max-width: 800px) { .steps { grid-template-columns: 1fr; gap: var(--space-6); } }

/* --- Check list ----------------------------------------------------------- */
.check-list li { display: flex; gap: var(--space-3); align-items: flex-start; padding: var(--space-2) 0; color: var(--slate-700); }
.check-list svg { width: 22px; height: 22px; flex-shrink: 0; color: var(--c-cyan); margin-top: 2px; }
.check-list strong { color: var(--ink); }
.check-list.on-dark li { color: var(--slate-700); }

/* --- Split ---------------------------------------------------------------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-16); align-items: center; }
.split--reverse .split__media { order: 2; }
.split__media { border-radius: var(--radius-xl); overflow: hidden; box-shadow: var(--shadow-md); background: var(--glass-bg); border: 1px solid var(--glass-border); aspect-ratio: 4/3; }
.split__media img { width: 100%; height: 100%; object-fit: cover; }
@media (max-width: 860px) { .split { grid-template-columns: 1fr; gap: var(--space-8); } .split--reverse .split__media { order: 0; } }

/* --- Testimonials --------------------------------------------------------- */
.quote-card { background: var(--glass-bg); border: 1px solid var(--glass-border); border-radius: var(--radius-lg); padding: var(--space-8); box-shadow: var(--shadow-md); backdrop-filter: blur(var(--glass-blur)); height: 100%; }
.stars { display: flex; gap: 2px; color: var(--gold-500); margin-bottom: var(--space-4); }
.stars svg { width: 18px; height: 18px; filter: drop-shadow(0 0 6px rgba(245,196,81,.5)); }
.quote-card blockquote { font-size: var(--fs-md); color: var(--ink); line-height: var(--lh-normal); }
.quote-card .author { display: flex; align-items: center; gap: var(--space-3); margin-top: var(--space-6); }
.avatar { width: 44px; height: 44px; border-radius: 50%; background: var(--grad-brand-2); color: #fff; display: flex; align-items: center; justify-content: center; font-family: var(--font-display); font-weight: var(--fw-bold); }
.quote-card .author strong { display: block; color: #fff; font-size: var(--fs-base); }
.quote-card .author span { font-size: var(--fs-sm); color: var(--slate-500); }

/* --- CTA band ------------------------------------------------------------- */
.cta-band {
  position: relative; overflow: hidden; text-align: center;
  background: linear-gradient(120deg, rgba(212,175,55,0.30), rgba(184,148,31,0.10)), #0a0a0c;
  border: 1px solid rgba(212,175,55,0.22);
  border-radius: var(--radius-xl); padding: clamp(2.5rem, 1.5rem + 4vw, 4.5rem);
  box-shadow: var(--shadow-lg);
}
.cta-band::after { content:""; position:absolute; inset:0; background: radial-gradient(50% 80% at 50% 0%, rgba(212,175,55,0.28), transparent 70%); pointer-events: none; }
.cta-band::before { content:""; position:absolute; top:0; left:10%; right:10%; height:1px; background: var(--grad-line); }
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #cdd9e8; margin: var(--space-4) auto var(--space-8); max-width: 52ch; font-size: var(--fs-md); }
.cta-band .hero-cta { justify-content: center; }

/* --- FAQ ------------------------------------------------------------------ */
.faq { max-width: var(--container-narrow); margin-inline: auto; }
.faq-item { border-bottom: 1px solid var(--border); }
.faq-q { width: 100%; display: flex; justify-content: space-between; align-items: center; gap: var(--space-4); padding: var(--space-5) 0; background: none; border: 0; text-align: left; font-family: var(--font-display); font-weight: var(--fw-semibold); font-size: var(--fs-md); color: #fff; }
.faq-q .faq-icon { flex-shrink: 0; width: 28px; height: 28px; border-radius: 50%; border: 1px solid var(--glass-border-strong); display: grid; place-items: center; transition: all var(--dur) var(--ease); color: var(--slate-500); }
.faq-q .faq-icon svg { width: 14px; height: 14px; transition: transform var(--dur) var(--ease); }
.faq-q[aria-expanded="true"] .faq-icon { background: var(--grad-brand); border-color: transparent; color: #fff; box-shadow: var(--glow-blue); }
.faq-q[aria-expanded="true"] .faq-icon svg { transform: rotate(45deg); }
.faq-a { overflow: hidden; max-height: 0; transition: max-height var(--dur-slow) var(--ease); }
.faq-a > div { padding-bottom: var(--space-5); color: var(--slate-700); }

/* --- Forms ---------------------------------------------------------------- */
.field { margin-bottom: var(--space-4); }
.field label { display: block; font-size: var(--fs-sm); font-weight: var(--fw-semibold); color: var(--ink); margin-bottom: var(--space-2); }
.input, .select {
  width: 100%; padding: 0.8rem 0.95rem; font: inherit; color: var(--ink);
  background: rgba(255,255,255,0.04); border: 1px solid var(--glass-border-strong); border-radius: var(--radius-md);
  transition: border-color var(--dur), box-shadow var(--dur), background var(--dur);
}
.input::placeholder { color: var(--slate-400); }
.input:focus, .select:focus { outline: none; border-color: var(--c-blue); background: rgba(255,255,255,0.06); box-shadow: var(--shadow-focus); }
.select { appearance: none; background-image: linear-gradient(45deg, transparent 50%, var(--slate-400) 50%), linear-gradient(135deg, var(--slate-400) 50%, transparent 50%); background-position: calc(100% - 18px) 55%, calc(100% - 13px) 55%; background-size: 5px 5px, 5px 5px; background-repeat: no-repeat; }
.select option { background: var(--bg-1); color: var(--ink); }
.input-prefix { position: relative; }
.input-prefix span { position: absolute; left: 0.95rem; top: 50%; transform: translateY(-50%); color: var(--slate-500); }
.input-prefix .input { padding-left: 1.95rem; }
.help { font-size: var(--fs-sm); color: var(--slate-500); margin-top: var(--space-2); }

/* --- Calculator ----------------------------------------------------------- */
.card[data-calc] { padding: clamp(1.75rem, 1rem + 2.5vw, 3rem); }
.calc { display: grid; grid-template-columns: 1.2fr 1fr; gap: var(--space-10); align-items: stretch; }
.calc > div:first-child { display: flex; flex-direction: column; }
.calc__result {
  background: linear-gradient(150deg, rgba(212,175,55,0.34), rgba(184,148,31,0.12)), #0a0a0c;
  color: #fff; border-radius: var(--radius-xl); padding: var(--space-8); text-align: center;
  border: 1px solid rgba(212,175,55,0.22); box-shadow: var(--glow-violet);
}
.calc__result .big { font-family: var(--font-display); font-weight: var(--fw-extra); font-size: var(--fs-3xl); color: #fff; line-height: 1; }
.calc__result .muted { color: #cfccc0; font-size: var(--fs-sm); }
.calc__result hr { border: 0; border-top: 1px solid rgba(255,255,255,.14); margin: var(--space-6) 0; }
.calc__breakdown { text-align: left; display: grid; gap: var(--space-2); font-size: var(--fs-sm); color: #d8d4c7; }
.calc__breakdown div { display: flex; justify-content: space-between; }
@media (max-width: 760px) { .calc { grid-template-columns: 1fr; } }

/* --- Page hero (interior) ------------------------------------------------- */
.page-hero { position: relative; overflow: hidden; }
.page-hero::after { content:""; position:absolute; inset:0; pointer-events: none; background: radial-gradient(40% 60% at 88% 0%, rgba(212,175,55,0.16), transparent 70%), radial-gradient(40% 60% at 5% 30%, rgba(184,148,31,0.16), transparent 70%); }
.page-hero .container { position: relative; z-index: 1; }
.page-hero__inner { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: var(--space-12); align-items: center; padding-block: clamp(2.5rem, 1.5rem + 4vw, 4.5rem); }
.page-hero h1 { color: #fff; }
.page-hero p { color: var(--slate-700); font-size: var(--fs-md); margin-top: var(--space-4); }
.page-hero .badge { margin-bottom: var(--space-5); }
@media (max-width: 880px) { .page-hero__inner { grid-template-columns: 1fr; gap: var(--space-8); } }

/* Breadcrumb */
.breadcrumb { display: flex; gap: var(--space-2); align-items: center; font-size: var(--fs-sm); color: var(--slate-500); padding-top: var(--space-6); }
.breadcrumb a { color: var(--slate-700); }
.breadcrumb a:hover { color: #fff; }
.breadcrumb svg { width: 14px; height: 14px; opacity: .6; }

/* Fact grid */
.fact-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-6); }
.fact { background: var(--glass-bg); border: 1px solid var(--glass-border); border-radius: var(--radius-lg); padding: var(--space-6); backdrop-filter: blur(var(--glass-blur)); }
.fact strong { display: block; font-family: var(--font-display); font-size: var(--fs-2xl); font-weight: var(--fw-extra); background: var(--grad-brand); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; color: transparent; }
.fact span { font-size: var(--fs-sm); color: var(--slate-500); }
@media (max-width: 700px) { .fact-grid { grid-template-columns: 1fr; } }

/* --- Footer --------------------------------------------------------------- */
.site-footer { position: relative; background: var(--bg-1); color: var(--slate-500); padding-block: var(--space-20) var(--space-10); border-top: 1px solid var(--glass-border); }
.site-footer::before { content:""; position:absolute; top:0; left:0; right:0; height:1px; background: var(--grad-line); }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: var(--space-10); }
.footer-grid h4 { color: #fff; font-size: var(--fs-sm); text-transform: uppercase; letter-spacing: var(--tracking-caps); margin-bottom: var(--space-4); font-family: var(--font-mono); font-weight: var(--fw-bold); }
.footer-grid a { color: var(--slate-500); display: block; padding: var(--space-1) 0; }
.footer-grid a:hover { color: #fff; }
.site-footer .brand { color: #fff; margin-bottom: var(--space-4); }
.site-footer .brand small { color: var(--slate-400); }
.footer-about p { font-size: var(--fs-sm); max-width: 36ch; }
.footer-contact { font-size: var(--fs-sm); display: grid; gap: var(--space-2); margin-top: var(--space-5); }
.footer-contact a, .footer-contact button { display: inline-flex; gap: var(--space-2); align-items: center; }
.footer-contact button { background: none; border: 0; padding: 0; margin: 0; font: inherit; color: inherit; cursor: pointer; text-align: left; }
.footer-contact button:hover { color: var(--ink); }
.footer-contact svg { width: 16px; height: 16px; color: var(--c-cyan); }
.footer-bottom { margin-top: var(--space-16); padding-top: var(--space-8); border-top: 1px solid var(--border); display: flex; flex-wrap: wrap; justify-content: space-between; gap: var(--space-4); font-size: var(--fs-sm); }
.footer-legal { max-width: 100%; font-size: var(--fs-xs); color: var(--slate-400); line-height: 1.7; margin-top: var(--space-6); }
.equal-housing { display: inline-flex; align-items: center; gap: var(--space-2); color: var(--slate-500); font-size: var(--fs-xs); }
.equal-housing svg { width: 28px; height: 28px; }
@media (max-width: 860px) { .footer-grid { grid-template-columns: 1fr 1fr; gap: var(--space-8); } .footer-about { grid-column: 1 / -1; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } }

/* --- Utility -------------------------------------------------------------- */
.mt-0 { margin-top: 0; }
.mt-6 { margin-top: var(--space-6); }
.mt-8 { margin-top: var(--space-8); }
.mb-0 { margin-bottom: 0; }
.maxw-prose { max-width: 60ch; }

/* Rich text for editable WordPress content pages (the_content) */
.of-prose { max-width: 72ch; }
.of-prose > * + * { margin-top: var(--space-4); }
.of-prose h2 { font-size: var(--fs-xl); margin-top: var(--space-10); }
.of-prose h3 { font-size: var(--fs-lg); margin-top: var(--space-6); }
.of-prose p, .of-prose li { color: var(--slate-700); }
.of-prose strong { color: var(--ink); }
.of-prose ul { list-style: disc; padding-left: 1.4rem; }
.of-prose ol { list-style: decimal; padding-left: 1.4rem; }
.of-prose li + li { margin-top: var(--space-2); }
.of-prose a { color: var(--c-blue); text-decoration: underline; }
.of-prose code { font-family: var(--font-mono); font-size: 0.9em; background: var(--surface-2); border: 1px solid var(--border); padding: 0.1em 0.4em; border-radius: 6px; }
.of-prose hr { border: 0; border-top: 1px solid var(--border); margin: var(--space-8) 0; }
.of-prose blockquote { border-left: 3px solid var(--c-blue); padding-left: var(--space-4); color: var(--slate-500); }

/* --- Chat launcher (opens the LeadConnector widget) ----------------------- */
.chat-fab {
  position: fixed; right: clamp(1rem, 2.5vw, 1.6rem); bottom: clamp(1rem, 2.5vw, 1.6rem);
  z-index: 95; display: inline-flex; align-items: center; gap: 0.6rem;
  padding: 0.85rem 1.35rem; font-family: var(--font-body); font-weight: 700; font-size: var(--fs-base);
  color: #1c1608; background: var(--grad-brand);
  border: 1px solid rgba(212,175,55,0.5); border-radius: var(--radius-pill);
  box-shadow: var(--glow-violet), var(--shadow-md); cursor: pointer;
  transition: transform var(--dur) var(--ease), box-shadow var(--dur) var(--ease);
}
.chat-fab:hover { transform: translateY(-2px); box-shadow: 0 18px 50px -8px rgba(212,175,55,0.6); }
.chat-fab:focus-visible { outline: none; box-shadow: var(--shadow-focus), var(--shadow-md); }
.chat-fab svg { width: 20px; height: 20px; }
.chat-fab__dot { width: 8px; height: 8px; border-radius: 50%; background: #1f8a3b; box-shadow: 0 0 0 0 rgba(31,138,59,0.6); animation: chatPulse 2.2s var(--ease) infinite; }
@keyframes chatPulse { 0% { box-shadow: 0 0 0 0 rgba(31,138,59,0.55); } 70% { box-shadow: 0 0 0 7px rgba(31,138,59,0); } 100% { box-shadow: 0 0 0 0 rgba(31,138,59,0); } }
.chat-fab--hidden { opacity: 0; visibility: hidden; transform: translateY(8px); pointer-events: none; }

/* --- Pre-approval modal --------------------------------------------------- */
.modal { position: fixed; inset: 0; z-index: 300; display: none; }
.modal.is-open { display: block; }
.modal__scrim { position: absolute; inset: 0; background: rgba(3,4,8,0.62); backdrop-filter: blur(6px); animation: modalFade var(--dur) var(--ease); }
.modal__panel {
  position: relative; z-index: 1; width: min(580px, 92vw); max-height: 92vh; overflow-y: auto;
  margin: clamp(1rem, 5vh, 5rem) auto; padding: clamp(1.5rem, 1rem + 3vw, 2.75rem);
  background: var(--bg-1); border: 1px solid var(--glass-border-strong);
  border-radius: var(--radius-xl); box-shadow: var(--shadow-lg);
  animation: modalRise var(--dur-slow) var(--ease-out);
}
.modal__panel::before { content: ""; position: absolute; top: 0; left: 10%; right: 10%; height: 1px; background: var(--grad-line); }
.modal__panel h2 { margin-bottom: var(--space-2); }
.modal__sub { color: var(--slate-500); margin-bottom: var(--space-6); }
.modal__close {
  position: absolute; top: var(--space-4); right: var(--space-4); width: 40px; height: 40px;
  display: inline-flex; align-items: center; justify-content: center;
  background: var(--glass-bg-strong); border: 1px solid var(--glass-border); border-radius: 50%;
  color: var(--ink); cursor: pointer; transition: border-color var(--dur), color var(--dur);
}
.modal__close:hover { border-color: var(--c-blue); color: var(--c-blue); }
.modal__close svg { width: 18px; height: 18px; }
.apply-form .btn { margin-top: var(--space-2); }
.apply-error { color: var(--danger); background: var(--danger-bg); border: 1px solid var(--danger); border-radius: var(--radius-md); padding: var(--space-3) var(--space-4); font-size: var(--fs-sm); margin-bottom: var(--space-3); }
.apply-success { text-align: center; padding: var(--space-6) 0 var(--space-2); }
.apply-success__icon { width: 64px; height: 64px; margin: 0 auto var(--space-5); border-radius: 50%; display: grid; place-items: center; color: #1c1608; background: var(--grad-brand); box-shadow: var(--glow-violet); }
.apply-success__icon svg { width: 30px; height: 30px; }
.apply-success h3 { margin-bottom: var(--space-2); }
.apply-success p { color: var(--slate-700); margin-bottom: var(--space-6); }
@keyframes modalFade { from { opacity: 0; } to { opacity: 1; } }
@keyframes modalRise { from { opacity: 0; transform: translateY(16px) scale(0.98); } to { opacity: 1; transform: none; } }

/* --- Multi-step wizard (HELOC pre-qualification) -------------------------- */
.wiz-head { margin: var(--space-2) 0 var(--space-6); }
.wiz-meta { font-family: var(--font-mono); font-size: var(--fs-xs); letter-spacing: var(--tracking-wide); text-transform: uppercase; color: var(--slate-500); margin-bottom: var(--space-3); }
.wiz-meta [data-title] { color: var(--ink); font-weight: 700; }
.wiz-bar { height: 6px; background: var(--surface-2); border: 1px solid var(--border); border-radius: var(--radius-pill); overflow: hidden; }
.wiz-bar__fill { height: 100%; width: 20%; background: var(--grad-brand); border-radius: var(--radius-pill); transition: width var(--dur-slow) var(--ease-out); }
.wiz-step { border: 0; padding: 0; margin: 0; min-width: 0; }
.wiz-step[hidden] { display: none; }
.wiz-nav { display: flex; align-items: center; gap: var(--space-3); margin-top: var(--space-6); }
.wiz-nav .wiz-next, .wiz-nav .wiz-submit { margin-left: auto; }
.field-opt { color: var(--slate-400); font-weight: var(--fw-regular); font-size: var(--fs-xs); }
@media (max-width: 560px) { .chat-fab span:not(.chat-fab__dot) { display: none; } .chat-fab { padding: 0.95rem; gap: 0; } }

/* ============================================================================
   LIGHT THEME COMPONENT OVERRIDES
   Most components flip automatically via tokens. These selectors fix the few
   places that hard-coded white text or dark glass for the dark theme.
   ========================================================================== */
:root[data-theme="light"] body::before { opacity: 0.55; }

/* Nav + overlays get light glass */
:root[data-theme="light"] .nav { background: rgba(255,255,255,0.62); box-shadow: 0 10px 36px -16px rgba(20,30,60,0.28), inset 0 1px 0 rgba(255,255,255,0.7); }
:root[data-theme="light"] .site-header.is-scrolled .nav { background: rgba(255,255,255,0.86); }
:root[data-theme="light"] .dropdown { background: rgba(255,255,255,0.97); }

/* Text that was hard-coded white on now-light surfaces */
:root[data-theme="light"] .brand,
:root[data-theme="light"] .brand:hover,
:root[data-theme="light"] .nav-link:hover,
:root[data-theme="light"] .nav-phone,
:root[data-theme="light"] .nav-toggle svg,
:root[data-theme="light"] .icon-btn,
:root[data-theme="light"] .icon-btn svg,
:root[data-theme="light"] .hero h1,
:root[data-theme="light"] .hero-trust strong,
:root[data-theme="light"] .rate-card h3,
:root[data-theme="light"] .rate-row .rate-num,
:root[data-theme="light"] .section--navy,
:root[data-theme="light"] .section--navy h2,
:root[data-theme="light"] .section--navy h3,
:root[data-theme="light"] .quote-card .author strong,
:root[data-theme="light"] .faq-q,
:root[data-theme="light"] .page-hero h1,
:root[data-theme="light"] .site-footer h4,
:root[data-theme="light"] .site-footer .brand,
:root[data-theme="light"] .dropdown-link strong,
:root[data-theme="light"] .mobile-menu a,
:root[data-theme="light"] .mobile-menu a:hover { color: var(--ink); }

/* Light inputs */
:root[data-theme="light"] .input,
:root[data-theme="light"] .select { background: #fff; }

/* Outline button on the (now light) hero */
:root[data-theme="light"] .btn--outline-light { color: var(--ink); border-color: rgba(20,30,60,0.22); background: rgba(20,30,60,0.02); }
:root[data-theme="light"] .btn--outline-light:hover { background: rgba(20,30,60,0.06); border-color: var(--ink); color: var(--ink); }

/* Badges + accent text/icons need a deep gold for contrast on white */
:root[data-theme="light"] .badge,
:root[data-theme="light"] .badge--accent,
:root[data-theme="light"] .badge--gold,
:root[data-theme="light"] .badge--violet { color: #8a6a12; border-color: rgba(184,148,31,0.35); }
:root[data-theme="light"] .check-list svg { color: #9a7b15; }
:root[data-theme="light"] .product-card .product-link { color: #8a6a12; }
:root[data-theme="light"] .nav-phone svg,
:root[data-theme="light"] .footer-contact svg { color: #9a7b15; }
:root[data-theme="light"] a { color: #8a6a12; }
:root[data-theme="light"] a:hover { color: #6f5410; }

/* Gold gradient text is unreadable on white — use a solid deep gold in light */
:root[data-theme="light"] .grad-text,
:root[data-theme="light"] .eyebrow,
:root[data-theme="light"] .hero h1 .accent,
:root[data-theme="light"] .stats .stat strong,
:root[data-theme="light"] .fact strong {
  background: none;
  -webkit-text-fill-color: #9a7b15;
  color: #9a7b15;
}