/* ==========================================================================
   Howard Funding LLC, Design System
   Brand: bronze-gold (#b49658) + charcoal on warm white. No heavy dependencies.
   ========================================================================== */

/* ---------- Design Tokens ---------- */
:root {
  /* Brand gold (bronze) */
  --gold-800: #6f5a2e;
  --gold-700: #8a6f38;   /* accessible gold text on white */
  --gold-600: #a07f42;
  --gold-500: #b49658;   /* brand gold, use for THIN LINES / small accents only */
  --gold-bright: #d0aa54; /* friendlier gold for FILLS (buttons, chips, stars) */
  --gold-bright-hover: #dcb968;
  --gold-400: #c7ad74;
  --gold-300: #dcc79c;
  --gold-200: #ece0c8;
  --gold-100: #f5eddd;
  --gold-50:  #faf6ec;

  /* Charcoal / ink */
  --ink-900: #191919;    /* headings / near-black */
  --ink-800: #262626;
  --ink-700: #3d3d3d;
  --ink-600: #565656;
  --ink-500: #6e6e6e;    /* muted body */
  --ink-400: #949494;
  --line:    #e9e3d7;    /* warm hairline */
  --line-2:  #f1ece2;
  --paper:   #ffffff;
  --paper-2: #faf7f1;    /* warm off-white */
  --paper-3: #f2ece0;

  /* Dark sections */
  --dark-900: #141414;
  --dark-800: #1e1e1e;
  --dark-700: #2b2b2b;

  /* Aliases used throughout (kept stable across pages) */
  --navy-900: var(--dark-900);
  --navy-800: var(--ink-900);
  --navy-700: var(--ink-800);
  --navy-600: var(--ink-700);
  --blue-500: var(--gold-700);
  --blue-100: var(--gold-100);
  --blue-50:  var(--gold-50);
  --green-600: var(--gold-700);
  --green-100: var(--gold-100);
  --ink-600b: var(--ink-600);

  /* Typography */
  --font-sans: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
    Helvetica, Arial, sans-serif, "Apple Color Emoji", "Segoe UI Emoji";
  --font-display: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto,
    Helvetica, Arial, sans-serif;

  /* Spacing / radius / shadow */
  --radius-sm: 8px;
  --radius:    14px;
  --radius-lg: 22px;
  --radius-pill: 999px;
  --shadow-sm: 0 1px 2px rgba(30, 25, 15, .05), 0 2px 8px rgba(30, 25, 15, .05);
  --shadow:    0 12px 34px -14px rgba(40, 33, 20, .22);
  --shadow-lg: 0 34px 64px -22px rgba(30, 25, 12, .34);
  --ring: 0 0 0 4px rgba(180, 150, 88, .28);

  --maxw: 1180px;
  --gutter: clamp(1.1rem, 4vw, 2.5rem);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .001ms !important; transition-duration: .001ms !important; }
}
body {
  margin: 0;
  font-family: var(--font-sans);
  color: var(--ink-800);
  background: var(--paper);
  line-height: 1.65;
  font-size: 1.02rem;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: var(--gold-700); text-decoration: none; }
a:hover { color: var(--gold-800); }
h1, h2, h3, h4 { line-height: 1.15; color: var(--ink-900); font-weight: 800; letter-spacing: -.02em; margin: 0 0 .5em; }
h1 { font-family: var(--font-display); letter-spacing: -.03em; }
p { margin: 0 0 1rem; }
ul, ol { margin: 0 0 1rem; padding-left: 1.2rem; }
strong { color: var(--ink-900); }
:focus-visible { outline: none; box-shadow: var(--ring); border-radius: 6px; }
hr { border: none; border-top: 1px solid var(--line); margin: 2rem 0; }
::selection { background: var(--gold-200); color: var(--ink-900); }

/* ---------- Layout helpers ---------- */
.container { max-width: var(--maxw); margin-inline: auto; padding-inline: var(--gutter); }
.container-narrow { max-width: 820px; margin-inline: auto; padding-inline: var(--gutter); }
.section { padding-block: clamp(3.2rem, 7vw, 6rem); }
.section-tight { padding-block: clamp(2.4rem, 5vw, 4rem); }
.center { text-align: center; }
.grid { display: grid; gap: 1.5rem; }
.cols-2 { grid-template-columns: repeat(2, 1fr); }
.cols-3 { grid-template-columns: repeat(3, 1fr); }
.cols-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) { .cols-3, .cols-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 620px) { .cols-2, .cols-3, .cols-4 { grid-template-columns: 1fr; } }
.stack > * + * { margin-top: 1rem; }
.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--ink-900); color: #fff; padding: .7rem 1.1rem; border-radius: 0 0 8px 0;
}
.skip-link:focus { left: 0; color: #fff; }

/* ---------- Eyebrow / labels ---------- */
.eyebrow {
  display: inline-flex; align-items: center; gap: .5rem;
  font-size: .78rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase;
  color: var(--gold-700); margin-bottom: .9rem;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--gold-500); border-radius: 2px; }
.eyebrow.on-dark { color: var(--gold-400); }
.section-head { max-width: 720px; margin-bottom: 2.6rem; }
.section-head.center { margin-inline: auto; }
.lead { font-size: 1.18rem; color: var(--ink-600); }
.muted { color: var(--ink-500); }
.h2-xl { font-size: clamp(1.8rem, 4vw, 2.8rem); }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  font-weight: 650; font-size: 1rem; line-height: 1; cursor: pointer;
  padding: .95rem 1.6rem; border-radius: var(--radius-pill);
  border: 1.5px solid transparent; transition: transform .15s ease, box-shadow .2s ease, background .2s ease, color .2s ease;
  text-align: center; white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--gold-bright); color: #26190a; box-shadow: 0 10px 24px -12px rgba(208, 170, 84, .85); }
.btn-primary:hover { background: var(--gold-bright-hover); color: #26190a; box-shadow: 0 14px 30px -12px rgba(208, 170, 84, .95); }
.btn-dark { background: var(--ink-900); color: #fff; }
.btn-dark:hover { background: var(--ink-800); color: #fff; }
.btn-ghost { background: transparent; color: var(--ink-900); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--gold-500); color: var(--ink-900); background: var(--gold-50); }
.btn-ghost.on-dark { color: #fff; border-color: rgba(255,255,255,.34); }
.btn-ghost.on-dark:hover { background: rgba(255,255,255,.1); color: #fff; border-color: rgba(255,255,255,.6); }
.btn-lg { padding: 1.1rem 2rem; font-size: 1.06rem; }
.btn-block { width: 100%; }
.btn-row { display: flex; flex-wrap: wrap; gap: .8rem; }

/* Differentiated secondary link: "learn how it works", not a primary action */
.link-explainer { display: inline-flex; align-items: center; gap: .4rem; font-weight: 600; font-size: .95rem; color: var(--gold-700); text-decoration: none; }
.link-explainer:hover { text-decoration: underline; text-underline-offset: 3px; }
.link-explainer svg { width: 16px; height: 16px; transition: transform .15s ease; }
.link-explainer:hover svg { transform: translateX(3px); }
.link-explainer.on-dark { color: #fff; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(255,255,255,.9); backdrop-filter: saturate(150%) blur(12px);
  border-bottom: 1px solid var(--line-2);
}
.nav {
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
  height: 74px;
}
.brand { display: inline-flex; align-items: center; gap: .6rem; font-weight: 800; color: var(--ink-900); letter-spacing: -.01em; }
.brand:hover { color: var(--ink-900); }
.brand__mark { width: 40px; height: 40px; flex: none; }
.brand__name { font-size: 1.02rem; line-height: 1.05; font-weight: 800; letter-spacing: .02em; text-transform: uppercase; }
.brand__name small { display: block; font-size: .58rem; font-weight: 600; letter-spacing: .22em; text-transform: uppercase; color: var(--gold-600); margin-top: 2px; }
.nav__links { display: flex; align-items: center; gap: .25rem; list-style: none; margin: 0; padding: 0; }
.nav__links a { color: var(--ink-700); font-weight: 550; font-size: .95rem; padding: .5rem .55rem; border-radius: 8px; white-space: nowrap; }
.nav__links a:hover { color: var(--ink-900); background: var(--gold-50); }
.nav__links a[aria-current="page"] { color: var(--ink-900); background: var(--gold-100); }
.nav__menu { display: flex; align-items: center; gap: .95rem; }
.nav__cta { display: flex; align-items: center; gap: .6rem; }
.nav__cta .btn { padding: .58rem 1.15rem; font-size: .92rem; }
.nav__phone { display: inline-flex; align-items: center; gap: .4rem; font-weight: 700; color: var(--ink-900); white-space: nowrap; font-size: .95rem; }
.nav__phone:hover { color: var(--gold-700); }

/* Dropdown */
.has-dropdown { position: relative; }
.dropdown__toggle { display: inline-flex; align-items: center; gap: .3rem; background: none; border: none; font: inherit; cursor: pointer; color: var(--ink-700); font-weight: 550; font-size: .95rem; padding: .5rem .55rem; border-radius: 8px; white-space: nowrap; }
.dropdown__toggle:hover { color: var(--ink-900); background: var(--gold-50); }
.dropdown__toggle svg { width: 14px; height: 14px; transition: transform .2s; }
.has-dropdown[data-open="true"] .dropdown__toggle svg { transform: rotate(180deg); }
.dropdown__menu {
  position: absolute; top: calc(100% + 8px); left: 0; min-width: 270px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow); padding: .5rem; list-style: none; margin: 0;
  opacity: 0; visibility: hidden; transform: translateY(6px); transition: all .18s ease; z-index: 20;
}
.has-dropdown[data-open="true"] .dropdown__menu { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown__menu a { display: block; padding: .55rem .8rem; border-radius: 8px; color: var(--ink-700); font-size: .94rem; }
.dropdown__menu a:hover { background: var(--gold-50); color: var(--ink-900); }
.dropdown__menu a strong { display: block; color: var(--ink-900); font-weight: 650; }
.dropdown__menu a span { font-size: .82rem; color: var(--ink-500); }

.nav__toggle { display: none; background: none; border: 1px solid var(--line); border-radius: 10px; width: 46px; height: 42px; cursor: pointer; align-items: center; justify-content: center; }
.nav__toggle svg { width: 22px; height: 22px; color: var(--ink-900); }

/* Tighten the bar on narrower desktops so nothing wraps or overflows */
@media (max-width: 1240px) and (min-width: 981px) {
  .nav__menu { gap: .8rem; }
  .nav__links { gap: 0; }
  .nav__links a, .dropdown__toggle { padding: .5rem .45rem; font-size: .9rem; }
  .nav__cta { gap: .5rem; }
  .nav__phone { display: none; }
}

@media (max-width: 980px) {
  .nav__toggle { display: inline-flex; }
  .nav__cta .btn { display: none; }
  .nav__menu {
    position: fixed; inset: 74px 0 auto 0; background: #fff; border-bottom: 1px solid var(--line);
    box-shadow: var(--shadow); padding: 1rem var(--gutter) 1.6rem;
    display: none; flex-direction: column; gap: .2rem; max-height: calc(100vh - 74px); overflow-y: auto;
  }
  .nav__menu[data-open="true"] { display: flex; }
  .nav__links { display: flex; flex-direction: column; align-items: stretch; gap: .1rem; width: 100%; }
  .nav__links a, .dropdown__toggle { font-size: 1.05rem; padding: .8rem .6rem; width: 100%; }
  .has-dropdown { width: 100%; }
  .dropdown__menu { position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none; border: none; border-left: 2px solid var(--gold-200); border-radius: 0; margin: 0 0 .4rem .6rem; padding: .2rem 0 .2rem .4rem; display: none; }
  .has-dropdown[data-open="true"] .dropdown__menu { display: block; }
  .nav__menu .btn { display: inline-flex; margin-top: .8rem; }
  .nav__cta { width: 100%; flex-direction: column; align-items: stretch; }
}

/* ---------- Hero ---------- */
.hero {
  position: relative; overflow: hidden;
  background: radial-gradient(1100px 560px at 80% -12%, rgba(180,150,88,.26), transparent 60%),
              linear-gradient(155deg, var(--dark-900), var(--dark-800) 55%, var(--dark-700));
  color: #ece7dd;
}
.hero::after {
  content: ""; position: absolute; inset: 0; opacity: .6; pointer-events: none;
  background-image: radial-gradient(rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 22px 22px; mask-image: linear-gradient(to bottom, #000, transparent 75%);
}
.hero__inner { position: relative; z-index: 1; display: grid; grid-template-columns: 1.1fr .9fr; gap: 3rem; align-items: center; padding-block: clamp(3rem, 7vw, 5.5rem); }
.hero h1 { color: #fff; font-size: clamp(2.3rem, 5.2vw, 3.9rem); margin-bottom: 1.1rem; }
.hero h1 .accent { color: var(--gold-400); }
.hero p.lead { color: #cfc9bd; max-width: 46ch; }
.hero__badges { display: flex; flex-wrap: wrap; gap: .7rem; margin: 1.6rem 0; }
.pill {
  display: inline-flex; align-items: center; gap: .45rem; font-size: .84rem; font-weight: 600;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16); color: #ece7dd;
  padding: .45rem .85rem; border-radius: var(--radius-pill); backdrop-filter: blur(4px);
}
.pill svg { width: 15px; height: 15px; color: var(--gold-400); }
.hero__actions { margin-top: 1.7rem; }
.hero__trust { margin-top: 2rem; display: flex; align-items: center; gap: 1.2rem; flex-wrap: wrap; color: #b3ac9f; font-size: .9rem; }
.stars { color: var(--gold-400); letter-spacing: 2px; }
@media (max-width: 900px) { .hero__inner { grid-template-columns: 1fr; gap: 2rem; } }

/* Hero card */
.hero__card {
  background: #fff; color: var(--ink-900); border-radius: var(--radius-lg);
  box-shadow: var(--shadow-lg); padding: 1.7rem; border: 1px solid rgba(255,255,255,.5);
}
.hero__card h3 { font-size: 1.15rem; margin-bottom: .3rem; }
.hero__card .muted { font-size: .9rem; margin-bottom: 1.1rem; }

/* ---------- Cards ---------- */
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.6rem; box-shadow: var(--shadow-sm); transition: transform .18s ease, box-shadow .2s ease, border-color .2s;
  height: 100%;
}
.card.hoverable:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--gold-300); }
.card h3 { font-size: 1.2rem; }
.card p:last-child { margin-bottom: 0; }
.card__icon {
  width: 52px; height: 52px; border-radius: 14px; display: grid; place-items: center; margin-bottom: 1rem;
  background: var(--gold-100); color: var(--gold-700);
}
.card__icon svg { width: 26px; height: 26px; }
.card--gold .card__icon { background: var(--gold-bright); color: #26190a; }
.card--green .card__icon { background: var(--ink-900); color: var(--gold-400); }
.card__link { display: inline-flex; align-items: center; gap: .35rem; font-weight: 650; margin-top: .4rem; }
.card__link svg { width: 16px; height: 16px; transition: transform .15s; }
.card:hover .card__link svg { transform: translateX(3px); }

.tag { display: inline-block; font-size: .72rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--gold-700); background: var(--gold-100); padding: .25rem .6rem; border-radius: var(--radius-pill); margin-bottom: .8rem; }
.tag.blue { color: var(--ink-700); background: var(--paper-3); }
.tag.gold { color: var(--gold-700); background: var(--gold-100); }

/* ---------- Stats ---------- */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; }
.stat { text-align: center; }
.stat__num { font-family: var(--font-display); font-size: clamp(2rem, 4vw, 2.9rem); font-weight: 800; color: var(--ink-900); line-height: 1; letter-spacing: -.02em; }
.stat__num .unit { color: var(--gold-500); }
.stat__label { font-size: .92rem; color: var(--ink-500); margin-top: .4rem; }
@media (max-width: 720px) { .stats { grid-template-columns: repeat(2, 1fr); gap: 1.8rem 1rem; } }

/* ---------- Section backgrounds ---------- */
.bg-soft { background: var(--paper-2); }
.bg-soft-2 { background: linear-gradient(180deg, var(--paper-2), #fff); }
.bg-blue { background: var(--gold-50); }
.bg-navy { background: var(--dark-800); color: #d9d3c8; }
.bg-navy h2, .bg-navy h3 { color: #fff; }
.bg-navy .eyebrow { color: var(--gold-400); }
.bg-navy .lead { color: #cfc9bd; }
.bg-navy a { color: var(--gold-300); }

/* ---------- Steps / process ---------- */
.steps { counter-reset: step; display: grid; gap: 1.3rem; }
.step { display: grid; grid-template-columns: auto 1fr; gap: 1.1rem; align-items: start; }
.step__num {
  counter-increment: step; width: 46px; height: 46px; flex: none; border-radius: 50%;
  display: grid; place-items: center; font-weight: 800; color: var(--gold-400);
  background: var(--ink-900); box-shadow: var(--shadow-sm);
}
.step__num::before { content: counter(step); }
.step h3 { font-size: 1.12rem; margin-bottom: .25rem; }
.step p { margin: 0; color: var(--ink-600); }

/* ---------- Feature list ---------- */
.check-list { list-style: none; padding: 0; margin: 0; display: grid; gap: .7rem; }
.check-list li { display: grid; grid-template-columns: auto 1fr; gap: .7rem; align-items: start; }
.check-list li::before {
  content: ""; width: 22px; height: 22px; margin-top: .15rem; flex: none; border-radius: 50%;
  background: var(--gold-100) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%238a6f38' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/13px no-repeat;
}
.check-list.on-dark li::before { background: rgba(199,173,116,.18) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23c7ad74' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='20 6 9 17 4 12'/%3E%3C/svg%3E") center/13px no-repeat; }

/* ---------- Split (image/content) ---------- */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(1.6rem, 4vw, 3.4rem); align-items: center; }
.split--reverse .split__media { order: 2; }
@media (max-width: 820px) { .split { grid-template-columns: 1fr; } .split--reverse .split__media { order: 0; } }
.media-frame {
  border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); background: var(--dark-800);
  aspect-ratio: 4 / 3; position: relative;
}
.media-frame svg { width: 100%; height: 100%; }

/* ---------- Reviews ---------- */
.review {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.6rem; height: 100%;
}
.review__stars { color: var(--gold-bright); letter-spacing: 2px; margin-bottom: .7rem; }
.review p { font-size: 1.02rem; color: var(--ink-700); }
.review__by { display: flex; align-items: center; gap: .7rem; margin-top: 1rem; font-size: .9rem; }
.review__avatar { width: 38px; height: 38px; border-radius: 50%; background: var(--ink-900); color: var(--gold-400); display: grid; place-items: center; font-weight: 700; flex: none; }
.review__by strong { display: block; color: var(--ink-900); }
.review__by span { color: var(--ink-500); }

/* ---------- CTA band ---------- */
.cta-band {
  background: radial-gradient(880px 400px at 18% 0%, rgba(180,150,88,.28), transparent 60%),
              linear-gradient(145deg, var(--dark-900), var(--dark-700));
  color: #fff; border-radius: var(--radius-lg); padding: clamp(2rem, 5vw, 3.4rem); text-align: center;
  box-shadow: var(--shadow-lg); position: relative; overflow: hidden;
}
.cta-band h2 { color: #fff; }
.cta-band p { color: #cfc9bd; max-width: 52ch; margin-inline: auto; }

/* ---------- Forms ---------- */
.field { margin-bottom: 1.05rem; }
.field label { display: block; font-weight: 600; font-size: .92rem; color: var(--ink-900); margin-bottom: .4rem; }
.field .hint { font-size: .82rem; color: var(--ink-500); font-weight: 400; }
.input, .select, .textarea {
  width: 100%; font: inherit; color: var(--ink-900); background: #fff;
  border: 1.5px solid var(--line); border-radius: var(--radius-sm); padding: .8rem .9rem; transition: border-color .15s, box-shadow .15s;
}
.input:focus, .select:focus, .textarea:focus { border-color: var(--gold-500); box-shadow: var(--ring); outline: none; }
.textarea { min-height: 120px; resize: vertical; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
@media (max-width: 560px) { .field-row { grid-template-columns: 1fr; } }
.form-note { font-size: .82rem; color: var(--ink-500); margin-top: .5rem; }
.input-group { display: flex; align-items: stretch; border: 1.5px solid var(--line); border-radius: var(--radius-sm); overflow: hidden; transition: border-color .15s, box-shadow .15s; background:#fff; }
.input-group:focus-within { border-color: var(--gold-500); box-shadow: var(--ring); }
.input-group .addon { display: grid; place-items: center; padding: 0 .85rem; background: var(--paper-3); color: var(--ink-500); font-weight: 600; }
.input-group input { border: none; box-shadow: none !important; flex: 1; }
.input-group input:focus { outline: none; }

/* ---------- Calculator ---------- */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 2rem; align-items: start; }
@media (max-width: 860px) { .calc { grid-template-columns: 1fr; } }
.calc__panel { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 1.7rem; box-shadow: var(--shadow-sm); }
.range, input[type="range"] { width: 100%; accent-color: var(--gold-600); }
.calc__result { background: linear-gradient(150deg, var(--dark-900), var(--dark-700)); color: #fff; border-radius: var(--radius-lg); padding: 1.9rem; box-shadow: var(--shadow); position: sticky; top: 92px; }
.calc__payment { font-family: var(--font-display); font-size: clamp(2.6rem, 6vw, 3.6rem); font-weight: 800; color: #fff; line-height: 1; letter-spacing: -.03em; }
.calc__payment small { font-size: 1rem; color: #b7b1a4; font-weight: 500; letter-spacing: 0; }
.calc__breakdown { list-style: none; padding: 0; margin: 1.4rem 0 0; }
.calc__breakdown li { display: flex; justify-content: space-between; padding: .6rem 0; border-top: 1px solid rgba(255,255,255,.12); font-size: .95rem; color: #cfc9bd; }
.calc__breakdown li b { color: #fff; }
.calc__swatch { width: 12px; height: 12px; border-radius: 3px; display: inline-block; margin-right: .5rem; vertical-align: middle; }

/* ---------- FAQ ---------- */
.faq { max-width: 820px; margin-inline: auto; }
.faq details { border: 1px solid var(--line); border-radius: var(--radius); background: #fff; margin-bottom: .8rem; overflow: hidden; }
.faq details[open] { border-color: var(--gold-300); box-shadow: var(--shadow-sm); }
.faq summary { list-style: none; cursor: pointer; padding: 1.15rem 1.3rem; font-weight: 650; color: var(--ink-900); display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-size: 1.5rem; color: var(--gold-500); font-weight: 400; line-height: 1; transition: transform .2s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq .faq__body { padding: 0 1.3rem 1.25rem; color: var(--ink-700); }
.faq .faq__body p:last-child { margin-bottom: 0; }

/* ---------- Page hero (interior) ---------- */
.page-hero {
  background: radial-gradient(820px 460px at 84% -22%, rgba(180,150,88,.26), transparent 60%),
              linear-gradient(155deg, var(--dark-900), var(--dark-700));
  color: #ece7dd; padding-block: clamp(2.6rem, 6vw, 4.6rem);
}
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4.6vw, 3.2rem); }
.page-hero p { color: #cfc9bd; max-width: 60ch; font-size: 1.12rem; }
.breadcrumb { font-size: .85rem; color: #a49d90; margin-bottom: 1rem; display: flex; gap: .5rem; flex-wrap: wrap; }
.breadcrumb a { color: #cfc9bd; }
.breadcrumb a:hover { color: #fff; }
.breadcrumb span { color: #7c766a; }

/* ---------- Prose (legal / article) ---------- */
.prose { max-width: 780px; }
.prose h2 { font-size: 1.5rem; margin-top: 2.2rem; }
.prose h3 { font-size: 1.2rem; margin-top: 1.6rem; }
.prose ul { padding-left: 1.3rem; }
.prose li { margin-bottom: .4rem; }
.prose a { text-decoration: underline; text-underline-offset: 2px; }

/* ---------- Data table ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); }
table.data { width: 100%; border-collapse: collapse; min-width: 560px; }
table.data th, table.data td { text-align: left; padding: .9rem 1.1rem; border-bottom: 1px solid var(--line-2); font-size: .95rem; }
table.data th { background: var(--paper-2); color: var(--ink-900); font-weight: 700; }
table.data tr:last-child td { border-bottom: none; }

/* ---------- Footer ---------- */
.site-footer { background: var(--dark-900); color: #a8a196; padding-block: 3.4rem 2rem; font-size: .93rem; }
.site-footer a { color: #d0cabf; }
.site-footer a:hover { color: #fff; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 2rem; }
@media (max-width: 860px) { .footer__grid { grid-template-columns: 1fr 1fr; gap: 1.8rem; } }
@media (max-width: 520px) { .footer__grid { grid-template-columns: 1fr; } }
.footer__brand .brand__name { color: #fff; }
.footer h4 { color: #fff; font-size: .82rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 1rem; }
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .55rem; }
.footer__contact li { display: flex; gap: .55rem; align-items: flex-start; }
.footer__contact svg { width: 17px; height: 17px; color: var(--gold-400); flex: none; margin-top: .2rem; }
.footer__legal { border-top: 1px solid rgba(255,255,255,.1); margin-top: 2.6rem; padding-top: 1.6rem; font-size: .8rem; color: #857f74; }
.footer__legal p { margin-bottom: .8rem; }
.footer__legal a { color: #b6b0a4; text-decoration: underline; text-underline-offset: 2px; }
.footer__legal a:hover { color: #fff; }
.footer__badges { display: flex; align-items: center; gap: 1.4rem; margin: 1rem 0; flex-wrap: wrap; }
.eho-badge { display: inline-flex; align-items: center; gap: .5rem; color: #cfc9bd; font-size: .78rem; font-weight: 600; }
.eho-badge svg { width: 34px; height: 34px; color: #cfc9bd; flex: none; }
.footer__bottom { display: flex; justify-content: space-between; gap: 1rem; flex-wrap: wrap; align-items: center; margin-top: 1.4rem; }
.footer__social { display: flex; gap: .6rem; }
.footer__social a { width: 38px; height: 38px; border-radius: 10px; background: rgba(255,255,255,.07); display: grid; place-items: center; }
.footer__social a:hover { background: var(--gold-500); }
.footer__social svg { width: 18px; height: 18px; color: #fff; }

/* ---------- Utilities ---------- */
.mt-0 { margin-top: 0; } .mb-0 { margin-bottom: 0; }
.mt-1 { margin-top: 1rem; } .mt-2 { margin-top: 2rem; } .mt-3 { margin-top: 3rem; }
.text-gold { color: var(--gold-700); }
.hide { display: none !important; }
.nowrap { white-space: nowrap; }
.reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) { .reveal { opacity: 1; transform: none; } }

/* ---------- Notice / alert ---------- */
.notice { background: var(--gold-50); border: 1px solid var(--gold-200); border-radius: var(--radius); padding: 1.1rem 1.3rem; display: flex; gap: .8rem; }
.notice svg { width: 22px; height: 22px; color: var(--gold-700); flex: none; margin-top: .1rem; }
.notice.gold { background: var(--gold-100); border-color: var(--gold-300); }
.notice.gold svg { color: var(--gold-700); }
.notice.is-error { background: #fdeceb; border-color: #eab6b2; color: #8a2018; }

/* Social icon row for light backgrounds (e.g. the Contact "Connect with us" card) */
.social-row { display: flex; gap: .6rem; margin-top: 1rem; }
.social-row a { width: 40px; height: 40px; border-radius: 10px; background: var(--gold-100); display: grid; place-items: center; transition: background .2s, transform .15s; }
.social-row a:hover { background: var(--gold-bright); transform: translateY(-2px); }
.social-row svg { width: 18px; height: 18px; color: var(--gold-700); }
.social-row a:hover svg { color: #26190a; }

/* ==========================================================================
   LIGHT & BRIGHT THEME
   Converts the hero, interior page-heroes, and mid-page bands to a light,
   airy treatment. Only the footer stays dark. Scoped overrides (with
   !important where needed) beat the inline light-text colors used inside
   these bands, so no per-page HTML edits are required.
   ========================================================================== */

/* --- Home hero --- */
.hero {
  background:
    radial-gradient(1100px 560px at 82% -12%, var(--gold-100), transparent 62%),
    linear-gradient(180deg, var(--paper-2), #fff 92%);
  color: var(--ink-800);
  border-bottom: 1px solid var(--line-2);
}
.hero::after {
  background-image: radial-gradient(rgba(25,20,10,.05) 1px, transparent 1px);
  opacity: 1;
  mask-image: linear-gradient(to bottom, #000, transparent 78%);
}
.hero h1 { color: var(--ink-900); }
.hero h1 .accent { color: var(--gold-600); }
.hero p.lead { color: var(--ink-600); }
.hero .eyebrow.on-dark { color: var(--gold-700); }
.hero .eyebrow.on-dark::before { background: var(--gold-500); }
.hero .pill { background: #fff; border-color: var(--line); color: var(--ink-700); }
.hero .pill svg { color: var(--gold-600); }
.hero__trust { color: var(--ink-500); }
.hero__trust .stars, .hero .stars { color: var(--gold-bright); }
.hero .btn-ghost.on-dark { color: var(--ink-900); border-color: var(--line); background: #fff; }
.hero .btn-ghost.on-dark:hover { background: var(--gold-50); color: var(--ink-900); border-color: var(--gold-500); }
.hero__card { border: 1px solid var(--line); box-shadow: var(--shadow); }

/* --- Interior page hero --- */
.page-hero {
  background:
    radial-gradient(820px 460px at 85% -24%, var(--gold-100), transparent 62%),
    linear-gradient(180deg, var(--paper-2), #fff);
  color: var(--ink-800);
  border-bottom: 1px solid var(--line-2);
}
.page-hero h1 { color: var(--ink-900); }
.page-hero p { color: var(--ink-600); }
.page-hero .eyebrow, .page-hero .eyebrow.on-dark { color: var(--gold-700); }
.breadcrumb { color: var(--ink-500); }
.breadcrumb a { color: var(--gold-700); }
.breadcrumb a:hover { color: var(--gold-800); }
.breadcrumb span { color: var(--ink-400); }

/* --- bg-navy bands --- */
.bg-navy {
  background: linear-gradient(180deg, var(--paper-2), #fff);
  color: var(--ink-700);
  border-top: 1px solid var(--line-2);
  border-bottom: 1px solid var(--line-2);
}
.bg-navy h2, .bg-navy h3 { color: var(--ink-900) !important; }
.bg-navy p { color: var(--ink-700) !important; }
.bg-navy .lead { color: var(--ink-600) !important; }
.bg-navy .eyebrow, .bg-navy .eyebrow.on-dark { color: var(--gold-700); }
.bg-navy a { color: var(--gold-700); }
.bg-navy .btn-ghost.on-dark { color: var(--ink-900); border-color: var(--line); background: #fff; }
.bg-navy .btn-ghost.on-dark:hover { background: var(--gold-50); border-color: var(--gold-500); }

/* --- CTA band --- */
.cta-band {
  background:
    radial-gradient(880px 400px at 18% 0%, var(--gold-200), transparent 62%),
    linear-gradient(150deg, var(--gold-50), #fff);
  color: var(--ink-800);
  border: 1px solid var(--gold-200);
  box-shadow: var(--shadow);
}
.cta-band h2 { color: var(--ink-900) !important; }
.cta-band p { color: var(--ink-600) !important; }
.cta-band .eyebrow, .cta-band .eyebrow.on-dark { color: var(--gold-700); }
.cta-band .btn-ghost.on-dark { color: var(--ink-900) !important; border-color: var(--line) !important; background: #fff; }
.cta-band .btn-ghost.on-dark:hover { background: var(--gold-50); border-color: var(--gold-500) !important; }

/* --- Calculator result panel --- */
.calc__result {
  background: linear-gradient(155deg, #fff, var(--gold-50));
  color: var(--ink-800);
  border: 1px solid var(--gold-200);
}
.calc__payment { color: var(--ink-900) !important; }
.calc__payment small { color: var(--ink-500) !important; }
.calc__breakdown li { color: var(--ink-700); border-top-color: var(--line); }
.calc__breakdown li b { color: var(--ink-900); }

/* --- Catch-all: any inline light-colored text inside these light bands --- */
.hero [style*="color:#fff"], .page-hero [style*="color:#fff"],
.bg-navy [style*="color:#fff"], .cta-band [style*="color:#fff"],
.calc__result [style*="color:#fff"] { color: var(--ink-900) !important; }
.hero [style*="#cfc9bd"], .page-hero [style*="#cfc9bd"],
.bg-navy [style*="#cfc9bd"], .cta-band [style*="#cfc9bd"],
.bg-navy [style*="#cfe0f3"], .cta-band [style*="#cfe0f3"],
.bg-navy [style*="#d9d3c8"], .cta-band [style*="#d9d3c8"] { color: var(--ink-700) !important; }