/* ==========================================================================
   Kyle Amorozo · West Capital Lending — "Boutique editorial" styles
   Palette: nude tones — espresso, mocha, clay, latte, warm gray, warm white.
   Type: Cormorant Garamond (display) + Jost (text). Shapes: arches, pills.
   ========================================================================== */
:root {
  --ink: #3a2e26;          /* espresso */
  --ink-2: #4a3c32;
  --ink-3: #5c4b3f;
  --paper: #f8f4ef;        /* warm white */
  --paper-2: #efe7dd;      /* sand */
  --sand: #e6dacb;
  --clay: #c9ab8c;
  --card: #fffdfa;
  --text: #2f2620;
  --muted: #6f6861;        /* warm gray */
  --line: #e0d6ca;
  --line-dark: rgba(246, 242, 236, .16);
  --accent: #8b6448;       /* mocha */
  --accent-ink: #6e4d36;
  --accent-soft: #efe3d6;
  --sage: #66625b;
  --sage-soft: #e7e3dd;
  --gold: #d9c1a5;         /* latte (highlights on dark) */
  --on-ink: #f8f4ef;
  --on-ink-muted: #cfc3b6;
  --radius: 14px;
  --radius-lg: 26px;
  --pill: 999px;
  --shadow: 0 30px 60px -40px rgba(58, 46, 38, .45);
  --wrap: 1240px;
  --display: "Cormorant Garamond", Georgia, serif;
  --body: "Jost", system-ui, sans-serif;
  --mono: "Jost", system-ui, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--paper); color: var(--text); font: 400 17px/1.65 var(--body); -webkit-font-smoothing: antialiased; }
body.lock { overflow: hidden; }
img { max-width: 100%; display: block; }
a { color: inherit; }
button { font: inherit; cursor: pointer; }
h1, h2, h3, h4 { font-family: var(--display); font-weight: 500; line-height: 1.04; letter-spacing: -.01em; margin: 0 0 .45em; }
h1 { font-size: clamp(2.8rem, 6.2vw, 5.4rem); font-weight: 400; }
h2 { font-size: clamp(2.2rem, 4.2vw, 3.6rem); font-weight: 400; }
h3 { font-size: 1.6rem; }
h1 em, h2 em { font-style: italic; color: var(--accent); }
p { margin: 0 0 1em; }
.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 28px; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--ink); color: var(--on-ink); padding: 8px 14px; z-index: 200; }
.skip:focus { left: 8px; }

/* ---------- Labels & buttons ---------- */
.eyebrow { display: inline-block; font: 500 .74rem/1 var(--body); letter-spacing: .28em; text-transform: uppercase; color: var(--accent); margin-bottom: 20px; }
.on-ink .eyebrow { color: var(--gold); }
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; padding: 15px 28px; border-radius: var(--pill); border: 1px solid transparent; font: 500 .82rem/1 var(--body); letter-spacing: .14em; text-transform: uppercase; text-decoration: none; transition: background .2s, color .2s, border-color .2s; white-space: nowrap; }
.btn-accent { background: var(--accent); color: #fff; }
.btn-accent:hover { background: var(--accent-ink); }
.btn-ink { background: var(--ink); color: var(--on-ink); }
.btn-ink:hover { background: var(--ink-3); }
.btn-line { border-color: currentColor; background: transparent; }
.btn-line:hover { background: rgba(139, 100, 72, .08); }
.on-ink .btn-line:hover, .contact-card .btn-line:hover { background: rgba(255, 255, 255, .08); }
.btn-sm { padding: 12px 20px; font-size: .74rem; }
.btn .arrow { transition: transform .2s; }
.btn:hover .arrow { transform: translateX(4px); }
.link-arrow { font: 500 .8rem var(--body); letter-spacing: .14em; text-transform: uppercase; color: var(--accent-ink); text-decoration: none; border-bottom: 1px solid var(--clay); padding-bottom: 3px; }
.link-arrow:hover { border-color: var(--accent); }

/* ---------- Header (two-tier) ---------- */
.topbar { background: var(--ink); color: var(--on-ink-muted); font-size: .82rem; letter-spacing: .04em; }
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 38px; }
.topbar a { color: var(--on-ink); text-decoration: none; }
.topbar .tb-right { display: flex; gap: 22px; }
@media (max-width: 760px) { .topbar .tb-left { display: none; } .topbar .wrap { justify-content: center; } .topbar .tb-mail { display: none; } }
.site-header { background: rgba(248, 244, 239, .94); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); position: sticky; top: 0; z-index: 60; border-bottom: 1px solid var(--line); }
.site-header .bar { display: flex; align-items: center; gap: 28px; height: 82px; }
.brand { display: flex; align-items: center; gap: 16px; text-decoration: none; }
.brand img { height: 36px; width: auto; }
.brand .who { border-left: 1px solid var(--line); padding-left: 16px; line-height: 1.1; white-space: nowrap; }
.brand .who strong { display: block; font: 500 1.35rem var(--display); color: var(--ink); }
.brand .who span { font-size: .68rem; letter-spacing: .2em; text-transform: uppercase; color: var(--muted); }
.nav { display: flex; align-items: center; gap: 2px; margin: 0 auto; }
.nav > a, .nav > .dd > button { background: none; border: 0; color: var(--text); text-decoration: none; padding: 10px 14px; font: 400 .95rem var(--body); white-space: nowrap; position: relative; }
.nav > a::after, .nav > .dd > button::after { content: ""; position: absolute; left: 14px; right: 14px; bottom: 4px; height: 1px; background: var(--accent); transform: scaleX(0); transition: transform .25s; }
.nav > a:hover::after, .nav > a[aria-current="page"]::after, .nav > .dd > button:hover::after, .dd.open > button::after { transform: scaleX(1); }
.header-cta { display: flex; align-items: center; gap: 10px; }
.dd { position: relative; }
.dd-panel { position: absolute; top: calc(100% + 18px); left: 50%; transform: translateX(-50%); width: min(920px, 94vw); background: var(--card); color: var(--text); border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: 0 40px 80px -40px rgba(58, 46, 38, .5); padding: 30px 32px; display: none; grid-template-columns: repeat(5, 1fr); gap: 8px 22px; }
.dd.open .dd-panel { display: grid; }
.dd-panel h4 { font: 500 .68rem var(--body); text-transform: uppercase; letter-spacing: .2em; color: var(--accent); margin: 0 0 8px; }
.dd-panel a { display: block; padding: 5px 0; text-decoration: none; font-size: .95rem; }
.dd-panel a:hover { color: var(--accent); }
.dd-panel .dd-foot { grid-column: 1 / -1; border-top: 1px solid var(--line); margin-top: 14px; padding-top: 16px; display: flex; gap: 26px; flex-wrap: wrap; }
.menu-toggle { display: none; margin-left: auto; background: none; border: 1px solid var(--ink); color: var(--ink); border-radius: var(--pill); padding: 9px 18px; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; }
@media (max-width: 1140px) { .nav { display: none; } .menu-toggle { display: block; } }
@media (max-width: 620px) { .brand .who { display: none; } .header-cta { display: none; } }
.mobile-nav { display: none; border-top: 1px solid var(--line); max-height: calc(100vh - 120px); overflow: auto; background: var(--paper); }
.mobile-nav.open { display: block; }
.mobile-nav .wrap { padding-top: 10px; padding-bottom: 30px; }
.mobile-nav a { display: block; padding: 11px 0; text-decoration: none; border-bottom: 1px solid var(--line); }
.mobile-nav h4 { font: 500 .68rem var(--body); text-transform: uppercase; letter-spacing: .2em; color: var(--accent); margin: 22px 0 4px; }
.mobile-nav .btn { margin-top: 16px; width: 100%; }

/* ---------- Sections ---------- */
section { padding: 110px 0; }
.on-ink { background: var(--ink); color: var(--on-ink); }
.on-ink .muted, .on-ink .lede { color: var(--on-ink-muted); }
.on-ink h2 em, .on-ink h1 em { color: var(--gold); }
.on-paper2 { background: var(--paper-2); }
.on-sand { background: var(--sand); }
.muted { color: var(--muted); }
.lede { font-size: 1.18rem; font-weight: 300; color: var(--muted); max-width: 620px; }
.section-head { display: grid; grid-template-columns: 1fr auto; align-items: end; gap: 24px; margin-bottom: 56px; }
.section-head h2 { margin: 0; max-width: 780px; }
.center { text-align: center; }
.center .lede { margin-left: auto; margin-right: auto; }
@media (max-width: 760px) { .section-head { grid-template-columns: 1fr; } section { padding: 76px 0; } }

/* ---------- Home hero: arch portrait ---------- */
.hero { padding: 64px 0 90px; background: linear-gradient(180deg, var(--paper) 0%, var(--paper-2) 100%); overflow: hidden; }
.hero .wrap { display: grid; grid-template-columns: .9fr 1.1fr; gap: 72px; align-items: center; }
.arch { position: relative; width: min(100%, 440px); margin: 0 auto; }
.arch .frame { border-radius: 999px 999px 26px 26px; overflow: hidden; aspect-ratio: 4 / 5; background: var(--sand); position: relative; z-index: 1; }
.arch .frame img { width: 100%; height: 100%; object-fit: cover; object-position: center 20%; }
.arch::before { content: ""; position: absolute; inset: -18px -18px 30px 18px; border: 1px solid var(--clay); border-radius: 999px 999px 26px 26px; }
.arch .badge-float { position: absolute; z-index: 2; left: -24px; bottom: 34px; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 18px; box-shadow: var(--shadow); }
.arch .badge-float b { display: block; font: 500 2rem/1 var(--display); color: var(--ink); }
.arch .badge-float span { font-size: .78rem; color: var(--muted); letter-spacing: .06em; }
.hero h1 { margin-bottom: 26px; }
.hero .lede { margin-bottom: 34px; }
.hero-actions { display: flex; gap: 14px; flex-wrap: wrap; align-items: center; }
.quick-goals { margin-top: 40px; padding-top: 26px; border-top: 1px solid var(--line); }
.quick-goals > span { font-size: .72rem; letter-spacing: .22em; text-transform: uppercase; color: var(--muted); display: block; margin-bottom: 12px; }
@media (max-width: 960px) { .hero .wrap { grid-template-columns: 1fr; gap: 56px; } .arch { max-width: 340px; } .arch .badge-float { left: -8px; } }

.page-hero { padding: 90px 0 70px; background: var(--paper-2); text-align: center; position: relative; overflow: hidden; }
.page-hero::after { content: ""; position: absolute; left: 50%; bottom: -260px; width: 520px; height: 520px; transform: translateX(-50%); border: 1px solid var(--clay); border-radius: 50%; opacity: .55; pointer-events: none; }
.page-hero .wrap { position: relative; z-index: 1; }
.page-hero h1 { font-size: clamp(2.6rem, 5.4vw, 4.6rem); max-width: 940px; margin-left: auto; margin-right: auto; }
.page-hero .lede { margin: 0 auto 28px; }
.page-hero .hero-actions { justify-content: center; }
.crumbs { font-size: .74rem; letter-spacing: .16em; text-transform: uppercase; color: var(--muted); margin-bottom: 26px; }
.crumbs a { color: var(--muted); text-decoration: none; border-bottom: 1px solid var(--line); }

/* ---------- Ticker ---------- */
.ticker { background: var(--ink); color: var(--gold); overflow: hidden; padding: 20px 0; white-space: nowrap; }
.ticker-track { display: inline-flex; gap: 48px; animation: tick 50s linear infinite; font: italic 400 1.6rem var(--display); }
.ticker-track span::after { content: "✦"; font-style: normal; font-size: .8rem; margin-left: 48px; color: var(--clay); vertical-align: middle; }
@keyframes tick { to { transform: translateX(-50%); } }

/* ---------- Goal tiles (bento) ---------- */
.cats { display: grid; grid-template-columns: repeat(6, 1fr); gap: 20px; }
.cat { grid-column: span 2; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 34px 30px 30px; display: flex; flex-direction: column; transition: transform .3s, box-shadow .3s; }
.cat:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.cat:nth-child(4), .cat:nth-child(5) { grid-column: span 3; }
.cat:nth-child(1) { background: var(--ink); color: var(--on-ink); border-color: var(--ink); }
.cat:nth-child(1) .cat-n, .cat:nth-child(1) .cat-links a { color: var(--gold); }
.cat:nth-child(1) p { color: var(--on-ink-muted); }
.cat:nth-child(1) .btn-line { color: var(--on-ink); }
.cat:nth-child(4) { background: var(--sand); }
.cat-n { font: italic 400 1.1rem var(--display); color: var(--accent); }
.cat h3 { font-size: 2.2rem; font-weight: 400; margin: 10px 0 10px; }
.cat p { color: var(--muted); }
.cat-links { list-style: none; padding: 0; margin: 4px 0 26px; display: grid; gap: 6px; }
.cat-links a { color: var(--accent-ink); text-decoration: none; font-size: .98rem; }
.cat-links a::before { content: "— "; opacity: .6; }
.cat-links a:hover { text-decoration: underline; }
.cat .btn { margin-top: auto; align-self: flex-start; }
@media (max-width: 960px) { .cats { grid-template-columns: 1fr 1fr; } .cat, .cat:nth-child(4), .cat:nth-child(5) { grid-column: span 1; } .cat:nth-child(1) { grid-column: 1 / -1; } }
@media (max-width: 600px) { .cats { grid-template-columns: 1fr; } }

/* ---------- Statement ---------- */
.statement { text-align: center; }
.statement blockquote { margin: 0 auto; max-width: 980px; font: italic 300 clamp(2rem, 4.2vw, 3.4rem)/1.18 var(--display); }
.statement .sig { margin-top: 30px; font-size: .78rem; letter-spacing: .24em; text-transform: uppercase; color: var(--gold); }
.stat-row { display: flex; justify-content: center; flex-wrap: wrap; margin-top: 64px; border-top: 1px solid var(--line-dark); }
.stat-row > div { padding: 30px 48px 0; border-left: 1px solid var(--line-dark); }
.stat-row > div:first-child { border-left: 0; }
.stat-row b { display: block; font: 400 3.4rem/1 var(--display); color: var(--on-ink); }
.stat-row span { font-size: .78rem; letter-spacing: .16em; text-transform: uppercase; color: var(--on-ink-muted); }
.about-strip .stat-row { justify-content: flex-start; border-color: var(--line); margin-top: 30px; }
.about-strip .stat-row > div { border-left: 0; padding: 24px 40px 0 0; }
.about-strip .stat-row b { color: var(--ink); font-size: 2.8rem; }
.about-strip .stat-row span { color: var(--muted); }
@media (max-width: 600px) { .stat-row { flex-wrap: nowrap; } .stat-row > div { flex: 1; padding: 24px 8px 0; } .stat-row b { font-size: 2.4rem; } .stat-row span { font-size: .66rem; letter-spacing: .1em; } }

/* ---------- Tools (calc list + featured) ---------- */
.tools { display: grid; grid-template-columns: .8fr 1.2fr; gap: 64px; align-items: start; }
.tool-list { list-style: none; padding: 0; margin: 0 0 30px; border-top: 1px solid var(--line); }
.tool-list a { display: grid; grid-template-columns: 1fr auto; gap: 2px 16px; padding: 16px 0; border-bottom: 1px solid var(--line); text-decoration: none; }
.tool-list b { font: 500 1.45rem var(--display); }
.tool-list small { grid-column: 1; color: var(--muted); font-size: .9rem; }
.tool-list i { grid-row: 1 / span 2; grid-column: 2; align-self: center; font-style: normal; color: var(--accent); transition: transform .2s; }
.tool-list a:hover i { transform: translateX(5px); }
.tool-list a:hover b { color: var(--accent); }
@media (max-width: 1000px) { .tools { grid-template-columns: 1fr; } }

/* ---------- Funnel ---------- */
.funnel { background: var(--card); color: var(--text); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; }
.funnel-top { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; padding: 22px 28px 0; }
.funnel-top strong { font: 500 1.3rem var(--display); }
.funnel-step-count { font-size: .72rem; letter-spacing: .18em; text-transform: uppercase; color: var(--muted); white-space: nowrap; }
.funnel-progress { height: 2px; background: var(--line); margin: 16px 28px 0; border-radius: 2px; overflow: hidden; }
.funnel-progress span { display: block; height: 100%; width: 0; background: var(--accent); transition: width .4s ease; }
.funnel-body { padding: 28px 28px 22px; min-height: 340px; }
.funnel-q { font: 400 2rem/1.1 var(--display); margin: 0 0 8px; outline: none; }
.funnel-help { color: var(--muted); font-size: .95rem; margin-bottom: 20px; }
.opts { display: grid; grid-template-columns: 1fr; border-top: 1px solid var(--line); }
.opt { text-align: left; background: transparent; border: 0; border-bottom: 1px solid var(--line); padding: 15px 4px 15px 40px; display: grid; gap: 1px; color: var(--text); position: relative; transition: background .15s, padding .2s; }
.opt::before { content: ""; position: absolute; left: 6px; top: 50%; width: 18px; height: 18px; margin-top: -9px; border: 1px solid var(--clay); border-radius: 50%; transition: box-shadow .15s, background .15s; }
.opt:hover { background: var(--paper); padding-left: 46px; }
.opt[aria-pressed="true"]::before { background: var(--accent); box-shadow: inset 0 0 0 4px var(--card); border-color: var(--accent); }
.opt b { font-weight: 500; font-size: 1.02rem; }
.opt small { color: var(--muted); font-size: .86rem; }
.funnel-nav { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 14px 28px; border-top: 1px solid var(--line); background: var(--paper); }
.funnel-nav .back { background: none; border: 0; color: var(--accent-ink); padding: 6px 0; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; }
.funnel-nav .back[hidden] { display: inline-block; visibility: hidden; }
.funnel-foot { padding: 0 28px 20px; font-size: .84rem; color: var(--muted); background: var(--paper); margin: 0; }
.funnel-note { margin-top: 14px; padding: 14px 16px; border-radius: var(--radius); background: var(--accent-soft); font-size: .92rem; }
.funnel-done .tick { width: 56px; height: 56px; border-radius: 50%; border: 1px solid var(--accent); color: var(--accent); display: grid; place-items: center; font-size: 1.4rem; margin-bottom: 18px; }
.suggest { display: grid; gap: 10px; margin: 18px 0; }
.suggest a { display: flex; justify-content: space-between; align-items: center; gap: 14px; padding: 14px 18px; border: 1px solid var(--line); border-radius: var(--radius); text-decoration: none; background: var(--card); transition: border-color .2s; }
.suggest a:hover { border-color: var(--accent); }
.suggest b { font: 500 1.2rem var(--display); }

/* ---------- Drawer (slide-out funnel) ---------- */
.drawer { position: fixed; inset: 0; z-index: 120; display: none; }
.drawer.open { display: block; }
.drawer-scrim { position: absolute; inset: 0; background: rgba(42, 33, 27, .55); opacity: 0; transition: opacity .3s; }
.drawer.show .drawer-scrim { opacity: 1; }
.drawer-panel { position: absolute; top: 0; right: 0; bottom: 0; width: min(560px, 100%); background: var(--paper); overflow-y: auto; transform: translateX(100%); transition: transform .38s cubic-bezier(.2, .8, .2, 1); display: flex; flex-direction: column; }
.drawer.show .drawer-panel { transform: none; }
.drawer-head { display: flex; align-items: center; gap: 14px; padding: 20px 24px; border-bottom: 1px solid var(--line); }
.drawer-head img { width: 52px; height: 52px; border-radius: 50%; object-fit: cover; }
.drawer-head div { flex: 1; line-height: 1.3; }
.drawer-head b { font: 500 1.25rem var(--display); display: block; }
.drawer-head small { color: var(--muted); font-size: .82rem; }
.drawer-close { background: none; border: 1px solid var(--line); width: 42px; height: 42px; border-radius: 50%; font-size: 1.2rem; color: var(--ink); flex: none; }
.drawer-body { padding: 18px; }

/* ---------- Forms ---------- */
.field { display: grid; gap: 6px; margin-bottom: 16px; }
.field label, .field .label { font-size: .76rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.field input, .field select, .field textarea { width: 100%; padding: 13px 16px; border: 1px solid var(--line); border-radius: 10px; background: var(--card); font: 400 1rem var(--body); color: var(--text); }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--accent); outline: none; box-shadow: 0 0 0 3px rgba(139, 100, 72, .15); }
.field .err { color: #9a3f2a; font-size: .82rem; display: none; text-transform: none; letter-spacing: 0; }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: #9a3f2a; }
.field.invalid .err { display: block; }
.row2 { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
@media (max-width: 480px) { .row2 { grid-template-columns: 1fr; } }
.check { display: grid; grid-template-columns: 20px 1fr; gap: 10px; font-size: .84rem; color: var(--muted); line-height: 1.5; align-items: start; }
.check input { margin-top: 3px; width: 17px; height: 17px; accent-color: var(--accent); }
.hp { position: absolute; left: -5000px; }
.chips { display: flex; flex-wrap: wrap; gap: 8px; }
.chip { border: 1px solid var(--clay); background: transparent; border-radius: var(--pill); padding: 9px 18px; font-size: .92rem; color: var(--text); text-decoration: none; transition: background .2s, color .2s; }
.chip:hover { background: var(--accent-soft); }
.chip[aria-pressed="true"] { background: var(--ink); color: var(--on-ink); border-color: var(--ink); }
.range-val { font: 400 2.8rem/1.1 var(--display); color: var(--ink); margin-bottom: 6px; }
input[type=range] { width: 100%; accent-color: var(--accent); }

/* ---------- Filter tabs (compare) ---------- */
.filter-tabs { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 28px; justify-content: center; }
.filter-tabs button { border: 1px solid var(--clay); background: transparent; border-radius: var(--pill); padding: 9px 18px; color: var(--text); font-size: .92rem; }
.filter-tabs button[aria-pressed="true"] { background: var(--ink); border-color: var(--ink); color: var(--on-ink); }

/* ---------- Calculators ---------- */
.calc-shell { display: block; }
.calc-menu { display: flex; flex-wrap: wrap; justify-content: center; align-items: center; gap: 8px; margin-bottom: 34px; }
.calc-menu h4 { flex-basis: 100%; text-align: center; font: 500 .68rem var(--body); letter-spacing: .24em; text-transform: uppercase; color: var(--muted); margin: 12px 0 2px; }
.calc-menu h4:first-child { margin-top: 0; }
.calc-menu button { border: 1px solid var(--clay); background: transparent; border-radius: var(--pill); padding: 9px 18px; color: var(--text); font-size: .92rem; }
.calc-menu button:hover { background: var(--accent-soft); }
.calc-menu button[aria-selected="true"] { background: var(--ink); color: var(--on-ink); border-color: var(--ink); }
.calc-pane { display: grid; grid-template-columns: 1.1fr .9fr; min-width: 0; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); }
.calc-inputs { padding: 38px; min-width: 0; }
.calc-inputs h3 { font-size: 2.2rem; font-weight: 400; margin-bottom: 6px; }
.calc-inputs > .muted { margin-bottom: 26px; }
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
.affix { position: relative; }
.affix input { padding-left: 30px; }
.affix.suf input { padding-left: 16px; padding-right: 44px; }
.affix i { position: absolute; top: 50%; transform: translateY(-50%); font-style: normal; color: var(--muted); pointer-events: none; }
.affix.pre i { left: 14px; }
.affix.suf i { right: 14px; }
.calc-out { padding: 38px; background: var(--ink); color: var(--on-ink); min-width: 0; }
.calc-out .big-label { font-size: .72rem; letter-spacing: .24em; text-transform: uppercase; color: var(--gold); }
.calc-out .big { font: 400 clamp(2.8rem, 5vw, 4rem)/1 var(--display); margin: 12px 0 8px; font-variant-numeric: lining-nums; }
.calc-out .sub { color: var(--on-ink-muted); font-size: .95rem; margin-bottom: 18px; }
.calc-out .badge { margin-bottom: 16px; }
.badge { display: inline-block; font-size: .8rem; padding: 6px 14px; border-radius: var(--pill); }
.badge.good { background: var(--sage-soft); color: var(--sage); }
.badge.warn { background: var(--accent-soft); color: var(--accent-ink); }
.badge.bad { background: #f2dcd3; color: #8a3a26; }
.calc-out .badge.good { background: rgba(255, 255, 255, .1); color: var(--on-ink); }
.calc-out .badge.warn { background: rgba(217, 193, 165, .18); color: var(--gold); }
.calc-out .badge.bad { background: rgba(242, 180, 160, .18); color: #f1c3b3; }
.stack { display: flex; height: 8px; border-radius: 8px; overflow: hidden; margin: 8px 0 18px; background: var(--ink-3); gap: 2px; }
.stack span { display: block; height: 100%; }
.rows { margin: 0; border-top: 1px solid var(--line-dark); }
.rows div { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--line-dark); font-size: .95rem; }
.rows dt { color: var(--on-ink-muted); display: flex; align-items: center; gap: 9px; }
.rows dd { margin: 0; font-variant-numeric: tabular-nums; text-align: right; }
.rows .dot { width: 8px; height: 8px; border-radius: 50%; display: inline-block; flex: none; }
.rows .total { font-weight: 500; }
.rows .total dt { color: var(--on-ink); }
.calc-out .btn-accent { background: var(--gold); color: var(--ink); }
.calc-out .btn-accent:hover { background: #e8d6c1; }
.calc-out .btn-line { color: var(--on-ink); }
.calc-actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 24px; }
.calc-chart { margin-top: 18px; background: var(--card); border-radius: var(--radius); padding: 10px; }
.calc-chart svg { width: 100%; height: auto; display: block; }
.calc-table-wrap { max-height: 280px; overflow: auto; margin-top: 16px; border-radius: var(--radius); background: var(--card); color: var(--text); }
.calc-table { width: 100%; border-collapse: collapse; font-size: .84rem; font-variant-numeric: tabular-nums; }
.calc-table th, .calc-table td { padding: 8px 12px; text-align: right; border-bottom: 1px solid var(--line); }
.calc-table th { position: sticky; top: 0; background: var(--paper-2); font-weight: 500; }
.calc-table td:first-child, .calc-table th:first-child { text-align: left; }
.calc-disclaimer { font-size: .9rem; color: var(--on-ink-muted); margin: 18px 0 0; line-height: 1.55; }
.calc-shell.single .calc-pane { box-shadow: none; }
@media (max-width: 860px) { .calc-pane { grid-template-columns: 1fr; } }
@media (max-width: 460px) { .calc-grid { grid-template-columns: 1fr; } .calc-inputs, .calc-out { padding: 26px 22px; } }

/* ---------- Generic blocks ---------- */
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 36px; }
.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px; }
@media (max-width: 900px) { .grid-3, .grid-2 { grid-template-columns: 1fr; } }
.pillar { padding-top: 22px; border-top: 1px solid var(--clay); }
.pillar .k { font: italic 400 1.2rem var(--display); color: var(--accent); }
.on-ink .pillar { border-color: var(--line-dark); }
.on-ink .pillar .k { color: var(--gold); }
.pillar h3 { margin: 10px 0 8px; font-size: 1.8rem; font-weight: 400; }

/* Vertical timeline with arch numerals */
.steps { list-style: none; counter-reset: s; padding: 0; margin: 0 auto; max-width: 820px; position: relative; }
.steps::before { content: ""; position: absolute; left: 31px; top: 10px; bottom: 10px; width: 1px; background: var(--line-dark); }
.steps li { counter-increment: s; position: relative; padding: 0 0 44px 100px; }
.steps li:last-child { padding-bottom: 0; }
.steps li::before { content: counter(s, decimal-leading-zero); position: absolute; left: 0; top: 0; width: 64px; height: 76px; border-radius: 999px 999px 10px 10px; border: 1px solid var(--gold); display: grid; place-items: center; font: italic 400 1.5rem var(--display); color: var(--gold); background: var(--ink); }
.steps h3 { font-size: 1.9rem; font-weight: 400; margin: 6px 0 6px; }
.steps p { color: var(--on-ink-muted); margin: 0; max-width: 560px; }
@media (max-width: 520px) { .steps li { padding-left: 84px; } }
.ticklist { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.ticklist li { padding-left: 32px; position: relative; }
.ticklist li::before { content: ""; position: absolute; left: 0; top: .45em; width: 14px; height: 14px; border-radius: 50%; border: 1px solid var(--accent); background: radial-gradient(circle, var(--accent) 0 3px, transparent 4px); }
.ticklist.two { grid-template-columns: 1fr 1fr; gap: 14px 32px; }
@media (max-width: 700px) { .ticklist.two { grid-template-columns: 1fr; } }
.notelist { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.notelist li { padding-left: 30px; position: relative; }
.notelist li::before { content: "◇"; position: absolute; left: 0; top: 0; color: var(--accent); }
.panel { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 36px; }
.panel h3 { font-size: 1.9rem; font-weight: 400; }
.spec { display: grid; grid-template-columns: repeat(4, 1fr); margin: 0; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--card); overflow: hidden; }
.spec div { padding: 22px 24px; border-right: 1px solid var(--line); }
.spec div:last-child { border-right: 0; }
.spec dt { font-size: .68rem; letter-spacing: .2em; text-transform: uppercase; color: var(--muted); margin-bottom: 6px; }
.spec dd { margin: 0; font: 500 1.2rem/1.3 var(--display); }
@media (max-width: 900px) { .spec { grid-template-columns: 1fr 1fr; } .spec div { border-bottom: 1px solid var(--line); } }
@media (max-width: 520px) { .spec { grid-template-columns: 1fr; } .spec div { border-right: 0; } }
.spec.about-spec { grid-template-columns: 1fr 1fr; }
.spec.about-spec div { border-bottom: 1px solid var(--line); }

/* ---------- FAQ ---------- */
.faq { border-top: 1px solid var(--clay); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 24px 52px 24px 0; position: relative; font: 500 1.45rem/1.25 var(--display); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: ""; position: absolute; right: 8px; top: 50%; width: 30px; height: 30px; margin-top: -15px; border: 1px solid var(--clay); border-radius: 50%; background: linear-gradient(var(--accent), var(--accent)) center / 10px 1px no-repeat, linear-gradient(var(--accent), var(--accent)) center / 1px 10px no-repeat; transition: transform .25s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details > div { padding: 0 0 24px; color: var(--muted); max-width: 760px; }

/* ---------- About ---------- */
.about-strip { display: grid; grid-template-columns: 420px 1fr; gap: 80px; align-items: center; }
@media (max-width: 900px) { .about-strip { grid-template-columns: 1fr; gap: 56px; } }

/* ---------- Reviews ---------- */
.reviews { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.review { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 34px; display: flex; flex-direction: column; gap: 18px; margin: 0; }
.review q { font: italic 400 1.35rem/1.4 var(--display); quotes: "\201C" "\201D"; }
.review footer { margin-top: auto; font-size: .78rem; letter-spacing: .14em; text-transform: uppercase; color: var(--muted); }
@media (max-width: 900px) { .reviews { grid-template-columns: 1fr; } }
.reviews-empty { text-align: center; padding: 60px 28px; border-radius: var(--radius-lg); background: var(--paper-2); }
.reviews-empty h3 { font-size: 2.4rem; font-weight: 400; }
.reviews-empty p { color: var(--muted); }

/* Rotating review carousel */
.rv { text-align: center; max-width: 960px; margin: 0 auto; }
.rv-summary { display: flex; justify-content: center; align-items: baseline; gap: 14px; flex-wrap: wrap; margin-bottom: 28px; }
.rv-score { font: 400 2.6rem/1 var(--display); color: var(--ink); }
.rv-score i { font-style: normal; font-size: 1rem; color: var(--clay); letter-spacing: 2px; vertical-align: middle; }
.reviews-empty .rv-score { font-size: 2rem; }
.rv-stage { display: grid; min-height: 260px; align-items: center; }
.rv-slide { grid-area: 1 / 1; margin: 0; opacity: 0; transform: translateY(10px); transition: opacity .7s ease, transform .7s ease; pointer-events: none; }
.rv-slide.on { opacity: 1; transform: none; pointer-events: auto; }
.rv-slide blockquote { margin: 0 auto 26px; max-width: 860px; font: italic 300 clamp(1.6rem, 3vw, 2.4rem)/1.3 var(--display); }
.rv-slide figcaption { font-size: .8rem; letter-spacing: .16em; text-transform: uppercase; color: var(--muted); }
.rv-slide figcaption b { color: var(--ink); font-weight: 500; }
.rv-verified { color: var(--accent); }
.rv-controls { display: flex; justify-content: center; align-items: center; gap: 18px; margin: 34px 0 28px; }
.rv-btn { width: 46px; height: 46px; border-radius: 50%; border: 1px solid var(--clay); background: transparent; color: var(--ink); font-size: 1.1rem; }
.rv-btn:hover { background: var(--ink); color: var(--on-ink); border-color: var(--ink); }
.rv-dots { display: flex; gap: 8px; }
.rv-dots button { width: 9px; height: 9px; padding: 0; border-radius: 50%; border: 0; background: var(--line); transition: width .3s, background .3s; }
.rv-dots button[aria-current="true"] { width: 28px; border-radius: 9px; background: var(--accent); }
.rv-note { font-size: .88rem; margin-top: 22px; }

/* ---------- Guides: magazine ---------- */
.mag { display: grid; grid-template-columns: 1.1fr .9fr; gap: 48px; align-items: stretch; }
.mag-feature { display: block; background: var(--sand); border-radius: var(--radius-lg); padding: 48px 42px; text-decoration: none; position: relative; overflow: hidden; min-height: 380px; }
.mag-feature::after { content: ""; position: absolute; right: -80px; bottom: -120px; width: 300px; height: 360px; border: 1px solid var(--clay); border-radius: 999px 999px 0 0; }
.mag-feature small { font-size: .72rem; letter-spacing: .22em; text-transform: uppercase; color: var(--accent); }
.mag-feature h3 { font-size: clamp(2rem, 3.4vw, 2.8rem); font-weight: 400; margin: 18px 0 14px; max-width: 460px; }
.mag-feature p { color: var(--muted); max-width: 440px; }
.guide-list { display: grid; grid-template-columns: 1fr; border-top: 1px solid var(--clay); }
.guide-list.two { grid-template-columns: 1fr 1fr; column-gap: 48px; }
.guide-list a { display: flex; justify-content: space-between; align-items: baseline; gap: 18px; padding: 20px 0; border-bottom: 1px solid var(--line); text-decoration: none; font: 500 1.35rem/1.25 var(--display); }
.guide-list a span { font: 400 .74rem var(--body); letter-spacing: .14em; text-transform: uppercase; color: var(--muted); white-space: nowrap; }
.guide-list a:hover { color: var(--accent); }
@media (max-width: 900px) { .mag, .guide-list.two { grid-template-columns: 1fr; } }
.article { max-width: 740px; }
.article h2 { font-size: 2.3rem; margin-top: 1.4em; }
.article p, .article li { font-size: 1.1rem; font-weight: 300; }
.article b { font-weight: 500; }
.article ul { padding-left: 1.2em; }
.article .callout { background: var(--paper-2); border-radius: var(--radius); padding: 22px 26px; margin: 26px 0; font-style: italic; }

/* ---------- Compare ---------- */
.table-scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--card); }
.compare { border-collapse: collapse; width: 100%; min-width: 980px; font-size: .96rem; }
.compare th, .compare td { padding: 18px 20px; text-align: left; vertical-align: top; border-bottom: 1px solid var(--line); }
.compare thead th { background: var(--paper-2); font-size: .68rem; font-weight: 500; letter-spacing: .2em; text-transform: uppercase; color: var(--muted); }
.compare tbody th { font: 500 1.3rem var(--display); white-space: nowrap; }
.compare tbody th a { text-decoration: none; }
.compare tbody th a:hover { color: var(--accent); }
.compare tbody tr:hover { background: var(--paper); }

/* ---------- States ---------- */
.state-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(170px, 1fr)); gap: 10px; }
.state { padding: 12px 18px; border: 1px solid var(--line); border-radius: var(--pill); background: var(--card); display: flex; justify-content: space-between; align-items: center; gap: 8px; }
.state small { font-size: .66rem; letter-spacing: .14em; text-transform: uppercase; }
.state.yes { border-color: var(--accent); background: var(--accent-soft); }
.state.yes small { color: var(--accent-ink); }
.state.no small { color: var(--muted); }
.state.hl { outline: 2px solid var(--ink); }

/* ---------- Glossary ---------- */
.gloss-search { max-width: 460px; margin: 0 auto 40px; }
.gloss { columns: 2 340px; column-gap: 56px; }
.gloss dl { break-inside: avoid; margin: 0 0 26px; }
.gloss dt { font: 500 1.45rem var(--display); margin-bottom: 4px; }
.gloss dd { margin: 0; color: var(--muted); }

/* ---------- CTA ---------- */
.cta-band { background: var(--paper-2); padding: 120px 0; text-align: center; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; left: 50%; top: 50%; width: min(560px, 90vw); height: 640px; transform: translate(-50%, -42%); border: 1px solid var(--clay); border-radius: 999px 999px 0 0; pointer-events: none; }
.cta-band .wrap { position: relative; }
.cta-band h2 { margin: 0 auto 16px; max-width: 760px; }
.cta-band p { margin: 0 auto 34px; color: var(--muted); max-width: 560px; }
.cta-band .acts { display: flex; gap: 12px; flex-wrap: wrap; justify-content: center; }

/* ---------- Footer (compliance) ---------- */
.site-footer { background: var(--ink); color: var(--on-ink); padding: 90px 0 44px; font-size: 1rem; }
.foot-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 44px; padding-bottom: 50px; border-bottom: 1px solid var(--line-dark); }
.foot-top img { height: 40px; width: auto; margin-bottom: 22px; }
.foot-top h4 { font: 500 .68rem var(--body); text-transform: uppercase; letter-spacing: .22em; color: var(--gold); margin-bottom: 16px; }
.foot-top a { color: var(--on-ink); text-decoration: none; display: block; padding: 4px 0; }
.foot-top a:hover { color: var(--gold); }
.foot-top p { color: var(--on-ink-muted); }
.foot-big { font: italic 300 2rem/1.15 var(--display); color: var(--on-ink); margin-bottom: 20px; }
.foot-id { padding: 30px 0; border-bottom: 1px solid var(--line-dark); display: grid; gap: 6px; }
.foot-id strong { font-weight: 500; }
.foot-links { display: flex; flex-wrap: wrap; gap: 8px 26px; padding: 22px 0; border-bottom: 1px solid var(--line-dark); }
.foot-links a { color: var(--on-ink); }
/* Compliance: disclosures ≥ 12pt (16px), full contrast */
.foot-legal { padding-top: 26px; display: grid; gap: 14px; font-size: 1rem; line-height: 1.6; color: var(--on-ink); }
.foot-legal p { margin: 0; }
.foot-legal a { color: var(--on-ink); }
.state-warning { background: var(--gold); color: var(--ink); padding: 2px 6px; font-weight: 600; }
@media (max-width: 900px) { .foot-top { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .foot-top { grid-template-columns: 1fr; } }

/* ---------- Program page ---------- */
.subnav { position: sticky; top: 82px; z-index: 40; background: rgba(248, 244, 239, .96); border-bottom: 1px solid var(--line); }
.subnav .wrap { display: flex; gap: 6px; overflow-x: auto; padding-top: 10px; padding-bottom: 10px; justify-content: center; }
.subnav a { padding: 8px 16px; border-radius: var(--pill); text-decoration: none; font-size: .9rem; white-space: nowrap; color: var(--muted); }
.subnav a:hover, .subnav a.on { background: var(--ink); color: var(--on-ink); }
@media (max-width: 760px) { .subnav .wrap { justify-content: flex-start; } }
.prog-layout { display: grid; grid-template-columns: minmax(0, 1fr) 440px; gap: 56px; align-items: start; }
.prog-layout aside { position: sticky; top: 150px; }
.prog-layout aside .funnel { box-shadow: var(--shadow); }
@media (max-width: 1080px) { .prog-layout { grid-template-columns: 1fr; } .prog-layout aside { position: static; } }
.prog-block { margin-bottom: 72px; }
.prog-block:last-child { margin-bottom: 0; }
.prog-block > h2 { font-size: clamp(2rem, 3.4vw, 2.8rem); }
[id] { scroll-margin-top: 150px; }
.related { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.related a { display: flex; flex-direction: column; gap: 8px; padding: 28px 24px; border-radius: var(--radius-lg); background: var(--card); border: 1px solid var(--line); text-decoration: none; transition: transform .25s, box-shadow .25s; }
.related a:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.related b { font: 500 1.5rem var(--display); }
.related small { color: var(--muted); font-size: .9rem; }
@media (max-width: 900px) { .related { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .related { grid-template-columns: 1fr; } }
.disclosure-box { border: 1px solid var(--accent); border-radius: var(--radius-lg); padding: 30px 34px; background: var(--card); margin-bottom: 20px; }
.disclosure-box h3 { margin-bottom: 12px; font-size: 1.8rem; }
.disclosure-box li { margin-bottom: 8px; }
/* Reverse-mortgage pages: body ≥ 16pt (≈21px), disclosures ≥ 14pt (≈19px) — WCL guide §6 */
body.reverse-page { font-size: 21px; }
body.reverse-page .disclosure-box, body.reverse-page .disclosure-box li, body.reverse-page .calc-disclaimer, body.reverse-page .funnel-foot, body.reverse-page .site-footer, body.reverse-page .foot-legal { font-size: 19px; }
body.reverse-page .opt small, body.reverse-page .rows div, body.reverse-page .field label { font-size: 19px; }

/* ---------- Start page ---------- */
.start-hero { padding: 70px 0 110px; background: linear-gradient(180deg, var(--paper-2), var(--paper)); }
.start-hero .intro { text-align: center; max-width: 720px; margin: 0 auto 44px; }
.avatar { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; margin: 0 auto 22px; border: 4px solid var(--card); box-shadow: 0 0 0 1px var(--clay); }
.start-hero .funnel-wrap { max-width: 660px; margin: 0 auto; }
.start-hero .funnel { box-shadow: var(--shadow); }
.assure { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; max-width: 900px; margin: 52px auto 0; text-align: center; }
.assure b { display: block; font: 500 1.4rem var(--display); margin-bottom: 4px; }
.assure span { color: var(--muted); font-size: .95rem; }
@media (max-width: 700px) { .assure { grid-template-columns: 1fr; } }

/* ---------- Book / contact ---------- */
.book-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 56px; align-items: start; }
.calendly-inline-widget { min-width: 300px; height: 720px; background: var(--card); border-radius: var(--radius-lg); border: 1px solid var(--line); overflow: hidden; }
@media (max-width: 900px) { .book-grid { grid-template-columns: 1fr; } }
.contact-card { background: var(--ink); color: var(--on-ink); border-radius: var(--radius-lg); padding: 36px; }
.contact-card a { color: var(--on-ink); }
.contact-card .big-link { display: block; font: 400 2.4rem/1.1 var(--display); text-decoration: none; margin: 6px 0 18px; overflow-wrap: anywhere; }
.contact-card .btn-line { color: var(--on-ink); }

/* ---------- Reveal ---------- */
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .8s ease, transform .8s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; transition: none; } html { scroll-behavior: auto; } .ticker-track { animation: none; } .drawer-panel, .drawer-scrim { transition: none; } }