/* =========================================================================
   ASJ Mortgage Solutions — Design System
   Brand tokens sampled from the official logo:
     gold #A8803F · brick-red #973029 · steel-navy #184078
   To re-skin: change the --brand-* variables below. Nothing else needs editing.
   ========================================================================= */

:root {
  /* ---- Brand palette (from logo) ---- */
  --gold:        #A8803F;
  --gold-deep:   #8A6831;
  --gold-soft:   #C9A463;
  --brick:       #973029;
  --brick-deep:  #7A2620;
  --steel:       #184078;
  --steel-deep:  #102C54;
  --steel-soft:  #3E6196;

  /* ---- Neutrals (warm) ---- */
  --ink:         #20242B;
  --ink-soft:    #4A515C;
  --line:        #E7E2D7;
  --sand:        #F7F3EA;   /* warm paper */
  --sand-deep:   #F0E9DA;
  --paper:       #FFFFFF;
  --cream-card:  #FBF8F1;

  /* ---- Semantic ---- */
  --bg:          var(--paper);
  --text:        var(--ink);
  --muted:       var(--ink-soft);
  --accent:      var(--gold);
  --cta:         var(--gold);
  --cta-ink:     #ffffff;
  --focus:       #2F6BD6;

  /* ---- Type ---- */
  --display: "Fraunces", Georgia, "Times New Roman", serif;
  --body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;

  /* ---- Metrics ---- */
  --maxw: 1180px;
  --gutter: clamp(20px, 5vw, 64px);
  --radius: 14px;
  --radius-sm: 9px;
  --shadow-sm: 0 1px 2px rgba(32,36,43,.06), 0 2px 8px rgba(32,36,43,.05);
  --shadow-md: 0 6px 24px rgba(24,64,120,.10), 0 2px 6px rgba(32,36,43,.06);
  --shadow-lg: 0 24px 60px rgba(16,44,84,.16);
}

/* ---------- Reset / base ---------- */
*,*::before,*::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--body);
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img,svg { display: block; max-width: 100%; }
/* default size for inline icon SVGs; explicit class rules (e.g. .card-ico svg) override */
svg { width: 1.15em; height: 1.15em; flex-shrink: 0; }
li svg { display: inline-block; color: var(--brick); vertical-align: -.18em; margin-right: .15rem; }
a { color: var(--steel); text-decoration: none; }
a:hover { text-decoration: underline; }
button { font: inherit; cursor: pointer; }
ul,ol { padding-left: 1.15em; }

h1,h2,h3,h4 { font-family: var(--display); font-weight: 600; line-height: 1.12; color: var(--ink); letter-spacing: -.01em; }
h1 { font-size: clamp(2.1rem, 1.3rem + 3.4vw, 3.5rem); }
h2 { font-size: clamp(1.7rem, 1.2rem + 2vw, 2.5rem); }
h3 { font-size: clamp(1.25rem, 1.05rem + .8vw, 1.55rem); }
p { color: var(--ink-soft); }
strong { color: var(--ink); font-weight: 650; }

:focus-visible { outline: 3px solid var(--focus); outline-offset: 2px; border-radius: 4px; }

.container { max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(56px, 7vw, 104px); }
.section--tight { padding-block: clamp(40px, 5vw, 64px); }
.bg-sand { background: var(--sand); }
.bg-cream { background: var(--cream-card); }
.bg-steel { background: var(--steel-deep); color: #EAF0FA; }
.bg-steel h1,.bg-steel h2,.bg-steel h3 { color: #fff; }
.bg-steel p { color: #C5D2E8; }

.eyebrow {
  font-family: var(--body); font-weight: 700; font-size: .78rem;
  letter-spacing: .14em; text-transform: uppercase; color: var(--brick);
  display: inline-flex; align-items: center; gap: .55rem; margin-bottom: .9rem;
}
.eyebrow::before { content:""; width: 26px; height: 2px; background: var(--gold); display:inline-block; }
.bg-steel .eyebrow { color: var(--gold-soft); }
.lead { font-size: clamp(1.05rem, 1rem + .4vw, 1.22rem); color: var(--ink-soft); max-width: 60ch; }
.center { text-align: center; }
.center .lead, .center .eyebrow { margin-inline: auto; }
.center .eyebrow { justify-content:center; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  padding: .85rem 1.5rem; border-radius: 999px; font-weight: 650; font-size: .98rem;
  border: 2px solid transparent; transition: transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease;
  text-decoration: none !important; line-height: 1; white-space: nowrap;
}
.btn:hover { transform: translateY(-2px); }
.btn--primary { background: var(--gold); color: #fff; box-shadow: 0 6px 18px rgba(168,128,63,.34); }
.btn--primary:hover { background: var(--gold-deep); box-shadow: 0 10px 26px rgba(168,128,63,.42); }
.btn--brick { background: var(--brick); color:#fff; box-shadow: 0 6px 18px rgba(151,48,41,.30); }
.btn--brick:hover { background: var(--brick-deep); }
.btn--ghost { background: transparent; color: var(--steel); border-color: var(--steel); }
.btn--ghost:hover { background: var(--steel); color:#fff; }
.btn--light { background:#fff; color: var(--steel-deep); }
.btn--light:hover { background: var(--sand); }
.btn--lg { padding: 1.05rem 1.9rem; font-size: 1.05rem; }
.btn--block { width: 100%; }

/* ---------- Header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.92);
  backdrop-filter: saturate(140%) blur(10px); border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; gap: 1.2rem; height: 76px; }
.brand { display: flex; align-items: center; flex-shrink: 0; }
.brand img { height: 44px; width: auto; }
.nav-links { display: flex; align-items: center; gap: .25rem; margin-left: auto; }
.nav-links a, .nav-dd > button {
  display: inline-flex; align-items: center; gap: .3rem; padding: .55rem .7rem; border-radius: 8px;
  color: var(--ink); font-weight: 550; font-size: .95rem; text-decoration: none; background: none; border: 0;
}
.nav-links a:hover, .nav-dd > button:hover { background: var(--sand); text-decoration: none; color: var(--brick); }
.nav-cta { margin-left: .5rem; }
.nav-dd { position: relative; }
.nav-dd > button::after { content:"▾"; font-size: .7em; color: var(--gold); }
.nav-dd-menu {
  position: absolute; top: 100%; left: 0; min-width: 230px; background: #fff;
  border: 1px solid var(--line); border-radius: 12px; box-shadow: var(--shadow-md); padding: 8px;
  display: none; z-index: 60;
}
.nav-dd-menu.wide { min-width: 440px; columns: 2; column-gap: 6px; }
.nav-dd:hover .nav-dd-menu, .nav-dd:focus-within .nav-dd-menu { display: block; }
.nav-dd-menu a { display: block; padding: .5rem .65rem; border-radius: 7px; font-size: .92rem; color: var(--ink); break-inside: avoid; }
.nav-dd-menu a:hover { background: var(--sand); color: var(--brick); }
.nav-toggle { display: none; margin-left: auto; background: none; border: 1px solid var(--line); border-radius: 9px; padding: .5rem .6rem; }
.nav-toggle span { display:block; width: 22px; height: 2px; background: var(--ink); margin: 4px 0; transition: .2s; }

@media (max-width: 980px) {
  .nav-toggle { display: block; }
  .nav-links {
    position: fixed; inset: 76px 0 auto 0; flex-direction: column; align-items: stretch; gap: 2px;
    background: #fff; border-bottom: 1px solid var(--line); padding: 12px var(--gutter) 22px;
    box-shadow: var(--shadow-md); display: none; max-height: calc(100vh - 76px); overflow-y: auto;
  }
  .nav-links.open { display: flex; }
  .nav-links a, .nav-dd > button { padding: .8rem .4rem; font-size: 1.02rem; width: 100%; }
  .nav-dd-menu, .nav-dd-menu.wide { position: static; display: block; box-shadow: none; border: 0; border-left: 2px solid var(--gold); border-radius: 0; margin: 0 0 .4rem .4rem; padding: 0 0 0 .6rem; columns: 1; }
  .nav-cta { margin: .6rem 0 0; }
}

/* ---------- Hero ---------- */
.hero { position: relative; overflow: clip; background: var(--steel-deep); color: #fff; isolation: isolate; }
.hero::before {
  content:""; position:absolute; inset:0; z-index:-2;
  background:
    linear-gradient(115deg, rgba(16,44,84,.96) 0%, rgba(16,44,84,.82) 42%, rgba(24,64,120,.55) 100%),
    var(--hero-photo, none);
  background-size: cover; background-position: center;
}
.hero::after { /* signature roofline accent echoing the logo */
  content:""; position:absolute; right:-6%; top:-30%; width: 58%; height: 160%; z-index:-1;
  background:
    linear-gradient(135deg, transparent 49.4%, var(--gold) 49.4%, var(--gold) 50.4%, transparent 50.4%),
    linear-gradient(135deg, transparent 56%, rgba(151,48,41,.35) 56%, rgba(151,48,41,.35) 57.2%, transparent 57.2%);
  opacity: .9; pointer-events:none;
}
.hero .container { position: relative; z-index: 1; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: clamp(28px,4vw,56px); align-items: center; padding-block: clamp(56px, 7vw, 96px); }
.hero h1 { color: #fff; }
.hero h1 em { font-style: italic; color: var(--gold-soft); }
.hero .lead { color: #CBD8EE; max-width: 52ch; margin-top: 1.1rem; }
.hero-cta { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.8rem; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 1.1rem 1.8rem; margin-top: 2rem; color: #BAC8E2; font-size: .9rem; }
.hero-trust span { display: inline-flex; align-items: center; gap: .45rem; }
.hero-trust svg { width: 18px; height: 18px; color: var(--gold-soft); }
.hero-card {
  background: rgba(255,255,255,.97); color: var(--ink); border-radius: 18px; padding: clamp(20px,3vw,30px);
  box-shadow: var(--shadow-lg); border-top: 5px solid var(--gold);
}
.hero-card h3 { color: var(--steel-deep); }
.hero-card .muted-note { font-size: .82rem; color: var(--muted); margin-top: .6rem; }
@media (max-width: 880px){ .hero-grid { grid-template-columns: 1fr; } .hero::after{ opacity:.4; } }

/* simple page hero (interior pages) */
.pagehero { background: var(--steel-deep); color:#fff; position: relative; overflow: clip; }
.pagehero::after { content:""; position:absolute; right:-8%; top:-40%; width:46%; height:180%;
  background: linear-gradient(135deg, transparent 49.2%, var(--gold) 49.2%, var(--gold) 50.2%, transparent 50.2%); opacity:.55;}
.pagehero .container { position: relative; z-index:1; padding-block: clamp(48px,6vw,84px); }
.pagehero h1 { color:#fff; max-width: 20ch; }
.pagehero p { color:#C5D2E8; max-width: 60ch; margin-top: .9rem; }
.crumbs { font-size:.82rem; color:#9DB2D6; margin-bottom: 1rem; }
.crumbs a { color:#C5D2E8; } .crumbs a:hover{ color:#fff; }

/* ---------- Grid helpers ---------- */
.grid { display: grid; gap: clamp(16px, 2.4vw, 28px); }
.grid-2 { grid-template-columns: repeat(2,1fr); }
.grid-3 { grid-template-columns: repeat(3,1fr); }
.grid-4 { grid-template-columns: repeat(4,1fr); }
.split { display:grid; grid-template-columns: 1.05fr .95fr; gap: clamp(28px,5vw,64px); align-items:center; }
@media (max-width: 900px){ .grid-3,.grid-4 { grid-template-columns: repeat(2,1fr);} .split{ grid-template-columns:1fr; } }
@media (max-width: 560px){ .grid-2,.grid-3,.grid-4 { grid-template-columns: 1fr; } }

/* ---------- Cards ---------- */
.card {
  background:#fff; border:1px solid var(--line); border-radius: var(--radius); padding: 1.5rem;
  box-shadow: var(--shadow-sm); transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
  display:flex; flex-direction:column; height:100%;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); border-color: var(--gold-soft); }
.card h3 { margin-bottom: .4rem; }
.card p { font-size: .96rem; flex: 1; }
.card .card-ico {
  width: 46px; height: 46px; border-radius: 11px; display:grid; place-items:center; margin-bottom: 1rem;
  background: linear-gradient(135deg, var(--gold) , var(--gold-deep)); color:#fff;
}
.card .card-ico svg { width: 24px; height: 24px; }
.card--brick .card-ico { background: linear-gradient(135deg, var(--brick), var(--brick-deep)); }
.card--steel .card-ico { background: linear-gradient(135deg, var(--steel), var(--steel-deep)); }
.card-link { margin-top: 1rem; font-weight: 650; color: var(--brick); font-size: .92rem; display:inline-flex; gap:.35rem; }
.card-link::after { content:"→"; transition: transform .15s; }
.card:hover .card-link::after { transform: translateX(4px); }

/* program / pill lists */
.pill-row { display:flex; flex-wrap:wrap; gap:.55rem; }
.pill { background: var(--sand); border:1px solid var(--line); border-radius: 999px; padding:.4rem .9rem; font-size:.86rem; font-weight:600; color: var(--steel-deep); }

/* ---------- Feature / value rows ---------- */
.feature { display:flex; gap:1rem; align-items:flex-start; }
.feature .fico { flex-shrink:0; width:44px; height:44px; border-radius: 11px; background: var(--sand-deep); display:grid; place-items:center; color: var(--brick); }
.feature .fico svg { width:22px; height:22px; }
.feature h3 { font-size:1.18rem; margin-bottom:.25rem; }
.feature p { font-size:.95rem; }

/* ---------- Stats ---------- */
.stats { display:grid; grid-template-columns: repeat(4,1fr); gap: clamp(12px,2vw,24px); }
.stat { text-align:center; padding: 1rem; }
.stat .num { font-family: var(--display); font-size: clamp(2rem,1.4rem+2vw,2.8rem); font-weight: 600; color: var(--gold); line-height:1; }
.bg-steel .stat .num { color: var(--gold-soft); }
.stat .lab { font-size:.85rem; color: var(--muted); margin-top:.4rem; }
.bg-steel .stat .lab { color:#AFC0DE; }
@media (max-width:680px){ .stats{ grid-template-columns: repeat(2,1fr);} }

/* ---------- Steps ---------- */
.steps { counter-reset: step; display:grid; gap: 1.3rem; }
.step { display:flex; gap:1.1rem; align-items:flex-start; }
.step::before {
  counter-increment: step; content: counter(step); flex-shrink:0;
  width: 46px; height:46px; border-radius: 50%; background:#fff; border:2px solid var(--gold);
  color: var(--brick); font-family: var(--display); font-weight:600; font-size:1.2rem; display:grid; place-items:center;
}
.step h3 { font-size:1.15rem; margin-bottom:.2rem; }
.step p { font-size:.95rem; }

/* ---------- FAQ accordion ---------- */
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary {
  list-style:none; cursor:pointer; padding: 1.15rem .25rem; font-weight: 650; color: var(--steel-deep);
  font-size: 1.05rem; display:flex; justify-content:space-between; gap:1rem; align-items:center;
}
.faq summary::-webkit-details-marker { display:none; }
.faq summary::after { content:"+"; font-size: 1.5rem; color: var(--gold); font-weight: 400; transition: transform .2s; line-height:1; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { padding: 0 .25rem 1.2rem; font-size: .98rem; }

/* ---------- Calculator ---------- */
.calc {
  background:#fff; border:1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-md);
  overflow:hidden;
}
.calc-head { background: var(--steel-deep); color:#fff; padding: 1.1rem 1.4rem; display:flex; align-items:center; gap:.7rem; }
.calc-head h3 { color:#fff; font-size:1.2rem; }
.calc-head svg { width:24px; height:24px; color: var(--gold-soft); flex-shrink:0; }
.calc-body { display:grid; grid-template-columns: 1fr .9fr; gap: 0; }
.calc-inputs { padding: 1.4rem; display:grid; gap: 1rem; }
.calc-result { background: var(--cream-card); padding: 1.4rem; border-left: 1px solid var(--line); display:flex; flex-direction:column; }
.field label { display:block; font-weight:600; font-size:.85rem; color: var(--steel-deep); margin-bottom:.35rem; }
.field .ihint { font-weight: 400; color: var(--muted); font-size:.78rem; }
.input-wrap { position:relative; display:flex; align-items:center; }
.input-wrap .pre { position:absolute; left:.85rem; color: var(--muted); font-weight:600; font-size:.95rem; }
.input-wrap .suf { position:absolute; right:.85rem; color: var(--muted); font-weight:600; font-size:.95rem; }
.calc input[type=number], .calc input[type=text], .calc select {
  width:100%; padding:.7rem .9rem; border:1.5px solid var(--line); border-radius: 10px; font: inherit;
  background:#fff; color: var(--ink); font-variant-numeric: tabular-nums;
}
.calc .has-pre input { padding-left: 1.9rem; }
.calc .has-suf input { padding-right: 2.4rem; }
.calc input:focus { border-color: var(--steel-soft); outline: none; box-shadow: 0 0 0 3px rgba(24,64,120,.12); }
.calc-result .big { font-family: var(--display); font-size: clamp(2.1rem,1.5rem+2.4vw,2.9rem); color: var(--brick); font-weight:600; line-height:1; font-variant-numeric: tabular-nums; }
.calc-result .big-lab { font-size:.85rem; color: var(--muted); margin-bottom: .2rem; }
.calc-breakdown { margin-top: 1.1rem; display:grid; gap:.5rem; }
.calc-breakdown .row { display:flex; justify-content:space-between; font-size:.9rem; padding:.35rem 0; border-bottom:1px dashed var(--line); }
.calc-breakdown .row span:last-child { font-weight:650; color: var(--ink); font-variant-numeric: tabular-nums; }
.calc-cta { margin-top: auto; padding-top: 1.1rem; }
.range-out { font-weight:700; color: var(--brick); }
@media (max-width: 720px){ .calc-body { grid-template-columns: 1fr; } .calc-result { border-left:0; border-top:1px solid var(--line);} }

/* compact inline calculator on home */
.calc--mini .calc-body { grid-template-columns: 1fr; }
.calc--mini .calc-result { display:grid; grid-template-columns: 1fr 1fr; gap: .8rem; align-items:center; border-left:0; border-top:1px solid var(--line); }

/* ---------- Embedded form ---------- */
.form-embed { background:#fff; border:1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-md); padding: clamp(14px,2vw,22px); }
.form-embed iframe { width:100%; min-height: 640px; border:0; }
.contact-aside .ci { display:flex; gap:.8rem; align-items:flex-start; padding:.7rem 0; border-bottom:1px solid var(--line); }
.contact-aside .ci svg { width:22px;height:22px;color:var(--brick);flex-shrink:0;margin-top:2px; }
.contact-aside .ci a { font-weight:600; color: var(--steel-deep); }

/* ---------- CTA band ---------- */
.ctaband { background: linear-gradient(120deg, var(--brick), var(--brick-deep)); color:#fff; border-radius: 20px; padding: clamp(28px,4vw,48px); text-align:center; }
.ctaband h2 { color:#fff; } .ctaband p { color:#F4D9D5; max-width:56ch; margin:.7rem auto 1.5rem; }

/* ---------- Image blocks (with graceful fallback) ---------- */
.imgwrap { position: relative; border-radius: var(--radius); overflow:hidden; background:
  linear-gradient(135deg, var(--steel-deep), var(--steel)); box-shadow: var(--shadow-md); aspect-ratio: 4/3; }
.imgwrap img { width:100%; height:100%; object-fit: cover; display:block; }
.imgwrap.is-broken::after {
  content: attr(data-label); position:absolute; inset:0; display:grid; place-items:center; text-align:center;
  color: #E7EEFA; font-family: var(--display); font-size: 1rem; padding: 1rem;
  background: linear-gradient(135deg, var(--steel-deep), var(--gold-deep));
}
.imgwrap.is-broken img { display:none; }
.imgwrap--tall { aspect-ratio: 3/4; }
.imgwrap--wide { aspect-ratio: 16/9; }
.imgwrap--round { border-radius: 50%; aspect-ratio: 1/1; }

/* ---------- Disclosure / legal blocks ---------- */
.legal { max-width: 80ch; }
.legal h2 { margin-top: 2.2rem; font-size: 1.5rem; }
.legal h3 { margin-top: 1.4rem; }
.legal p, .legal li { color: var(--ink-soft); font-size: .98rem; margin-bottom: .8rem; }
.legal ul { margin-bottom: 1rem; }
.legal .updated { font-size:.85rem; color: var(--muted); }
.disclosure-box { background: var(--sand); border:1px solid var(--line); border-left: 4px solid var(--gold); border-radius: 10px; padding: 1.2rem 1.3rem; font-size:.9rem; color: var(--ink-soft); }
.disclosure-box strong { color: var(--steel-deep); }

/* ehl badge */
.ehl { display:inline-flex; align-items:center; gap:.5rem; font-size:.78rem; color:#C5D2E8; }
.ehl svg { width:30px; height:30px; }

/* ---------- HousingBrief calculator embed ---------- */
.hb-embed { background:#fff; border:1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-md); overflow:hidden; }
.hb-embed-head { background: var(--steel-deep); color:#fff; padding: 1rem 1.3rem; display:flex; align-items:center; gap:.7rem; }
.hb-embed-head svg { width:24px; height:24px; color: var(--gold-soft); flex-shrink:0; }
.hb-embed-head h3 { color:#fff; font-size:1.18rem; margin:0; }
.hb-open { margin-left:auto; color:#fff; font-weight:650; font-size:.85rem; white-space:nowrap; opacity:.9; }
.hb-open:hover { opacity:1; color: var(--gold-soft); text-decoration:none; }
.hb-frame { width:100%; min-height: 760px; border:0; display:block; background: var(--cream-card); }
.hb-note { font-size:.78rem; color: var(--muted); padding: .8rem 1.3rem 1rem; margin:0; }
@media (max-width:600px){ .hb-frame { min-height: 1020px; } }

/* ---------- Footer ---------- */
.site-footer { background: var(--steel-deep); color: #C5D2E8; }
.footer-main { display:grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: clamp(24px,3vw,40px); padding-block: clamp(48px,5vw,72px); }
.site-footer .flogo img { height: 46px; margin-bottom: 1rem; }
.site-footer p { color:#A9BBD8; font-size:.92rem; }
.fcol h4 { color:#fff; font-family: var(--body); font-weight:700; font-size:.82rem; letter-spacing:.1em; text-transform:uppercase; margin-bottom:1rem; }
.fcol ul { list-style:none; padding:0; display:grid; gap:.55rem; }
.fcol a { color:#BFD0EC; font-size:.93rem; }
.fcol a:hover { color:#fff; }
.footer-social { display:flex; gap:.6rem; margin-top:1rem; }
.footer-social a { width:38px;height:38px;border-radius:9px;background:rgba(255,255,255,.08);display:grid;place-items:center; }
.footer-social a:hover { background: var(--gold); }
.footer-social svg { width:18px;height:18px;color:#fff; }
.footer-legal { border-top:1px solid rgba(255,255,255,.12); padding-block: 2rem; font-size:.82rem; color:#9DB2D6; }
.footer-legal p { color:#9DB2D6; font-size:.82rem; margin-bottom:.8rem; }
.footer-disclaimer { background: rgba(0,0,0,.18); }
.footer-disclaimer .container { padding-block: 1.6rem; }
.footer-disclaimer p { font-size:.78rem; color:#8AA0C6; line-height:1.6; margin-bottom:.7rem; }
.footer-bottom { display:flex; flex-wrap:wrap; justify-content:space-between; gap:1rem; align-items:center; }
.footer-bottom .links { display:flex; flex-wrap:wrap; gap: 1rem; }
@media (max-width: 880px){ .footer-main { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px){ .footer-main { grid-template-columns: 1fr; } }

/* ---------- Sticky mobile CTA ---------- */
.sticky-cta {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 45; display:none;
  background:#fff; border-top:1px solid var(--line); box-shadow: 0 -6px 20px rgba(0,0,0,.08);
  padding: .6rem var(--gutter); gap:.6rem;
}
.sticky-cta .btn { flex:1; }
@media (max-width: 760px){ .sticky-cta { display:flex; } body { padding-bottom: 72px; } }

/* ---------- Misc ---------- */
.note-banner { background: var(--gold); color:#3a2c10; font-size:.85rem; text-align:center; padding:.5rem 1rem; }
.note-banner a { color:#3a2c10; text-decoration: underline; font-weight:700; }
.kicker-num { font-family: var(--display); color: var(--gold); font-size: 1.1rem; font-weight:600; }
.divider-roof { height: 18px; background:
  linear-gradient(135deg, transparent 49.2%, var(--gold) 49.2%, var(--gold) 50.6%, transparent 50.6%); opacity:.5; margin-block: 0; }
.tag { display:inline-block; background: var(--sand-deep); color: var(--brick); font-size:.74rem; font-weight:700; letter-spacing:.04em; text-transform:uppercase; padding:.25rem .6rem; border-radius:6px; }
.skip-link { position:absolute; left:-9999px; top:0; background:#fff; padding:.7rem 1rem; z-index:100; border-radius:0 0 8px 0; }
.skip-link:focus { left:0; }

/* consent note under forms */
.consent-note { font-size:.74rem; line-height:1.5; color: var(--muted); margin-top:.9rem; padding-top:.8rem; border-top:1px solid var(--line); }
.consent-note a { color: var(--steel); text-decoration: underline; }

/* cookie notice */
.cookie-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 999999; background: var(--steel-deep); color:#E7EEFA;
  display:flex; flex-wrap:wrap; align-items:center; gap: 1rem 1.4rem; padding: 1rem var(--gutter);
  box-shadow: 0 -8px 28px rgba(0,0,0,.22); }
.cookie-bar p { color:#C5D2E8; font-size:.86rem; margin:0; flex:1; min-width: 240px; }
.cookie-bar a { color:#fff; text-decoration: underline; }
.cookie-actions { display:flex; gap:.6rem; flex-shrink:0; position:relative; z-index:2; pointer-events:auto; }
.cookie-btn { padding:.6rem 1.2rem; font-size:.9rem; position:relative; z-index:2; pointer-events:auto; cursor:pointer; }
.cookie-bar .btn--ghost { color:#fff; border-color: rgba(255,255,255,.5); }
.cookie-bar .btn--ghost:hover { background: rgba(255,255,255,.12); color:#fff; }
@media (max-width:760px){ .cookie-bar { bottom: 64px; } }

/* blog cards */
.post-card { display:flex; flex-direction:column; height:100%; background:#fff; border:1px solid var(--line); border-radius: var(--radius); overflow:hidden; box-shadow: var(--shadow-sm); transition: transform .18s, box-shadow .18s; }
.post-card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.post-card .imgwrap { border-radius:0; aspect-ratio: 16/9; box-shadow:none; }
.post-card .pc-body { padding: 1.2rem 1.3rem 1.4rem; display:flex; flex-direction:column; flex:1; }
.post-card h3 { font-size:1.18rem; margin:.5rem 0 .4rem; }
.post-card .pc-meta { font-size:.8rem; color: var(--muted); }
.post-card .card-link { margin-top:auto; }

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}

/* Loan Programs hub page: 4 tiles per row instead of 3 (client request) */
body.tpl-loan-programs .grid-3 { grid-template-columns: repeat(4,1fr); }
@media (max-width: 900px){ body.tpl-loan-programs .grid-3 { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 560px){ body.tpl-loan-programs .grid-3 { grid-template-columns: 1fr; } }