/* ============================================
   UNITED TRUST MUTUAL — Design System
   ============================================ */

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

/* JetBrains Mono's default "0" has a center dot that reads as an "8" at
   small sizes. These tiny (~2KB) fonts contain ONLY a patched "0" glyph
   (dot removed, same advance width); unicode-range makes every other
   character fall through to the Google-hosted JetBrains Mono below it
   in --font-mono. */
@font-face {
  font-family: 'JetBrains Mono PlainZero';
  src: url('/assets/fonts/jbm-zero-400.otf') format('opentype');
  font-weight: 400;
  font-display: swap;
  unicode-range: U+0030;
}
@font-face {
  font-family: 'JetBrains Mono PlainZero';
  src: url('/assets/fonts/jbm-zero-500.otf') format('opentype');
  font-weight: 500;
  font-display: swap;
  unicode-range: U+0030;
}

:root {
  /* — UTopia palette: UTM midnight navy #102943 + trust teal #00AABE (matches utmcrm.com/apply) — */
  --bone:          #f4f6f9;   /* page bg — UTopia light */
  --bone-2:        #eaf0f6;   /* subtle alt section */
  --bone-3:        #e3e8ef;   /* divider, low-emphasis fill */
  --paper:         #ffffff;   /* raised card surface */

  --ink:           #102943;   /* UTM midnight navy — text, primary buttons */
  --ink-2:         #163a5c;   /* dark card surface (rare) */
  --ink-3:         #1d3f60;   /* dark hover */

  --emerald:       #008c9e;   /* trust teal, darkened for text on light */
  --emerald-deep:  #1d3f60;
  --emerald-bright:#00aabe;
  --champagne:     #4bc8d5;   /* tertiary only — ledger figures, corner crops */

  --line:          rgba(16, 41, 67, 0.10);
  --line-strong:   rgba(16, 41, 67, 0.20);
  --line-emerald:  rgba(0, 170, 190, 0.22);
  --text-muted:    rgba(16, 41, 67, 0.62);
  --text-soft:     rgba(16, 41, 67, 0.45);

  /* atmospheric tints — emerald replaces champagne per spec 3.6 */
  --emerald-glow:  rgba(0, 170, 190, 0.10);
  --champagne-soft:rgba(0, 170, 190, 0.22);
  --champagne-bloom:rgba(0, 170, 190, 0.06);

  /* — Backwards-compat aliases (so older selectors keep working) — */
  --primary-dark:   var(--bone);    /* was page-bg; still is */
  --secondary-dark: var(--paper);   /* secondary surface → paper */
  --accent-gold:    var(--emerald); /* gold accents shift to emerald */
  --charcoal:       var(--bone-2);
  --black:          var(--ink);
  --white:          var(--ink);     /* "white" now means primary ink text */
  --gray-100:       var(--bone);
  --gray-200:       rgba(16, 41, 67, 0.85);
  --gray-300:       rgba(16, 41, 67, 0.78);
  --gray-400:       var(--text-muted);
  --gray-500:       var(--text-soft);
  --muted:          var(--text-muted);   /* re-bound to ink-based */
  --muted-faint:    var(--text-soft);    /* re-bound to ink-based */
  --gold-glow:        rgba(0, 170, 190, 0.10);
  --gold-glow-strong: rgba(0, 170, 190, 0.18);
  --glass-bg:     var(--paper);
  --glass-border: var(--line);

  /* — Type stack — */
  --font-main:    'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-display: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --font-mono:    'JetBrains Mono PlainZero', 'JetBrains Mono', ui-monospace, SFMono-Regular, Menlo, monospace;

  /* — Motion — */
  --ease-out-expo:  cubic-bezier(0.16, 1, 0.3, 1);
  --ease-out-quart: cubic-bezier(0.25, 1, 0.5, 1);
  --transition-fast:   0.2s var(--ease-out-quart);
  --transition-medium: 0.4s var(--ease-out-expo);
  --transition-slow:   0.8s var(--ease-out-expo);

  /* — Layout — */
  --nav-height: 88px;
  --section-padding: clamp(80px, 10vw, 140px);
  --container-max: 1240px;

  /* — Geometry: hairline radii only (no rounded corners over 4px) — */
  --radius-sm: 6px;
  --radius-md: 10px;
  --radius-lg: 14px;
  --radius-xl: 18px;
  --radius-pill: 12px;
}

html {
  scroll-behavior: smooth;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

body {
  font-family: var(--font-main);
  background:
    radial-gradient(ellipse 1100px 700px at 90% -5%, var(--emerald-glow) 0%, transparent 55%),
    radial-gradient(ellipse 800px 600px at -5% 90%, var(--champagne-bloom) 0%, transparent 60%),
    var(--bone);
  background-attachment: fixed;
  color: var(--ink);
  line-height: 1.6;
  overflow-x: hidden;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
ul, ol { list-style: none; }

.container {
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 24px;
}

/* --- Typography --- */
h1, h2, h3, h4, h5, h6 {
  font-family: var(--font-display);
  font-weight: 800;
  line-height: 1.05;
  letter-spacing: -0.025em;
  color: var(--ink);
}
h1 em, h2 em, h3 em, h4 em,
h1 .text-gold, h2 .text-gold, h3 .text-gold, h4 .text-gold,
.line-accent {
  font-style: normal;
  font-weight: inherit;
  color: var(--emerald);
}
.line-accent { display: block; }

h1 { font-size: clamp(2.75rem, 7vw, 6rem); letter-spacing: -0.035em; line-height: 0.96; }
h2 { font-size: clamp(1.9rem, 3.6vw, 2.8rem); letter-spacing: -0.03em; line-height: 1.06; }
h3 { font-size: clamp(1.25rem, 2vw, 1.5rem); letter-spacing: -0.02em; line-height: 1.15; }
h4 { font-size: clamp(1rem, 1.4vw, 1.15rem); letter-spacing: -0.015em; }

.text-gold { color: var(--emerald); }
.text-gray { color: var(--muted); }
.text-balance { text-wrap: balance; }
.text-mono { font-family: var(--font-mono); letter-spacing: 0.06em; }

.section-label {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-mono);
  font-size: 0.7rem;
  font-weight: 500;
  text-transform: uppercase;
  letter-spacing: 0.2em;
  color: var(--emerald);
  margin-bottom: 24px;
  padding-bottom: 0;
  border-bottom: none;
}

.section-label::before {
  content: '';
  width: 24px;
  height: 1px;
  background: var(--champagne);
}

.section-subtitle {
  font-family: var(--font-main);
  font-size: clamp(1rem, 1.4vw, 1.15rem);
  color: var(--muted);
  max-width: 620px;
  line-height: 1.65;
  margin-top: 24px;
  font-weight: 400;
}

/* Mono utility — instrument-panel detail */
.eyebrow-mono {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-mono);
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--emerald);
}
.eyebrow-mono .dot {
  width: 6px; height: 6px; background: var(--champagne); border-radius: 50%;
}

/* Ledger figure — Fraunces tabular numerals */
.ledger {
  font-family: var(--font-display);
  font-weight: 700;
  color: var(--emerald);
  letter-spacing: -0.02em;
  font-variant-numeric: tabular-nums;
}

/* Corner-crop accent (champagne L-marks) */
.crop {
  position: relative;
}
.crop::before, .crop::after {
  content: '';
  position: absolute;
  width: 14px;
  height: 14px;
  pointer-events: none;
}
.crop::before {
  top: -1px; left: -1px;
  border-top: 1px solid var(--champagne);
  border-left: 1px solid var(--champagne);
}
.crop::after {
  bottom: -1px; right: -1px;
  border-bottom: 1px solid var(--champagne);
  border-right: 1px solid var(--champagne);
}

/* --- Buttons --- editorial squared geometry, hairline accents */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-family: var(--font-main);
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.02em;
  padding: 14px 28px;
  border-radius: var(--radius-pill);
  border: 1px solid transparent;
  transition: all var(--transition-fast);
  position: relative;
  white-space: nowrap;
  cursor: pointer;
}

/* Primary — ink fill, bone text. Used sparingly. */
.btn-primary {
  background: var(--ink);
  color: var(--bone);
  border-color: var(--ink);
}
.btn-primary:hover {
  background: var(--emerald-deep);
  border-color: var(--emerald-deep);
  transform: translateY(-1px);
}
.btn-primary:active { transform: translateY(0); }

/* Secondary — bone hairline on dark */
.btn-secondary {
  background: transparent;
  color: var(--ink);
  border-color: rgba(16, 41, 67, 0.20);
}
.btn-secondary:hover {
  border-color: var(--emerald);
  color: var(--emerald);
}

/* Ghost — text-only champagne arrow link */
.btn-ghost {
  background: transparent;
  color: var(--emerald);
  padding: 6px 0;
  border: 0;
  font-family: var(--font-mono);
  font-size: 0.72rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.btn-ghost:hover { gap: 14px; color: var(--ink); }
.btn-ghost svg { transition: transform var(--transition-fast); }
.btn-ghost:hover svg { transform: translateX(4px); }

.btn-sm { padding: 10px 22px; font-size: 0.78rem; }

/* --- Navigation --- */
.nav {
  position: fixed;
  top: 0;
  left: 0;
  width: 100%;
  z-index: 1000;
  padding: 0 24px;
  height: var(--nav-height);
  display: flex;
  align-items: center;
  transition: all var(--transition-medium);
}

.nav.scrolled {
  background: rgba(244, 246, 249, 0.92);
  backdrop-filter: blur(20px) saturate(1.2);
  border-bottom: 1px solid var(--line);
}

.nav-inner {
  max-width: var(--container-max);
  width: 100%;
  margin: 0 auto;
  display: flex;
  align-items: center;
  gap: 32px;
}
.nav-inner .nav-links { margin-left: auto; }

.nav-logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: -0.01em;
}

.nav-logo-icon {
  width: 36px;
  height: 36px;
  background: var(--accent-gold);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--primary-dark);
  font-weight: 800;
  font-size: 1rem;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 36px;
}

.nav-links a {
  white-space: nowrap; /* "Client Login" stays on one line */
  font-size: 0.9rem;
  font-weight: 500;
  color: var(--gray-300);
  transition: color var(--transition-fast);
  position: relative;
}

.nav-links a:hover { color: var(--white); }

.nav-links a::after {
  content: '';
  position: absolute;
  bottom: -4px;
  left: 0;
  width: 0;
  height: 2px;
  background: var(--accent-gold);
  transition: width var(--transition-fast);
}

.nav-links a:hover::after { width: 100%; }

.nav-cta { margin-left: 12px; }

.mobile-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  padding: 8px;
}

.mobile-toggle span {
  width: 22px;
  height: 2px;
  background: var(--white);
  border-radius: 2px;
  transition: all var(--transition-fast);
}

.mobile-menu {
  display: none;
  position: fixed;
  top: var(--nav-height);
  left: 0;
  width: 100%;
  background: rgba(244, 246, 249, 0.98);
  backdrop-filter: blur(30px);
  padding: 32px 24px;
  flex-direction: column;
  gap: 8px;
  z-index: 999;
  border-bottom: 1px solid var(--line);
}

.mobile-menu.active { display: flex; }

.mobile-menu a {
  font-size: 1.1rem;
  padding: 12px 0;
  color: var(--gray-300);
  border-bottom: 1px solid var(--line);
}

/* --- Hero --- */
.hero {
  position: relative;
  min-height: 100vh;
  display: flex;
  align-items: center;
  overflow: hidden;
  padding-top: var(--nav-height);
}

.hero-bg {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-bg-gradient {
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse 80% 60% at 20% 50%, rgba(0, 170, 190, 0.06) 0%, transparent 70%),
    radial-gradient(ellipse 60% 80% at 80% 20%, rgba(0, 170, 190, 0.05) 0%, transparent 50%),
    radial-gradient(ellipse 50% 50% at 50% 100%, rgba(244, 246, 249, 1) 0%, transparent 60%);
  z-index: 1;
}

.hero-grid-pattern {
  display: none;
}

.hero-particles {
  position: absolute;
  inset: 0;
  z-index: 0;
}

.hero-particle {
  position: absolute;
  width: 3px;
  height: 3px;
  background: var(--accent-gold);
  border-radius: 50%;
  opacity: 0;
  animation: particle-float 8s infinite;
}

@keyframes particle-float {
  0%   { opacity: 0; transform: translateY(0) scale(0); }
  10%  { opacity: 0.6; transform: scale(1); }
  90%  { opacity: 0.1; }
  100% { opacity: 0; transform: translateY(-400px) scale(0); }
}

.hero-particle:nth-child(1) { left: 10%; top: 80%; animation-delay: 0s; }
.hero-particle:nth-child(2) { left: 25%; top: 90%; animation-delay: 1.5s; }
.hero-particle:nth-child(3) { left: 40%; top: 75%; animation-delay: 3s; }
.hero-particle:nth-child(4) { left: 55%; top: 85%; animation-delay: 0.8s; }
.hero-particle:nth-child(5) { left: 70%; top: 70%; animation-delay: 2.2s; }
.hero-particle:nth-child(6) { left: 85%; top: 80%; animation-delay: 4s; }
.hero-particle:nth-child(7) { left: 15%; top: 60%; animation-delay: 5s; }
.hero-particle:nth-child(8) { left: 60%; top: 65%; animation-delay: 6s; }

.hero-content {
  position: relative;
  z-index: 2;
  width: 100%;
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 60px 24px 80px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}

.hero-text { max-width: 620px; }

.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: rgba(0, 170, 190, 0.08);
  border: 1px solid rgba(0, 170, 190, 0.15);
  border-radius: 50px;
  padding: 8px 20px 8px 10px;
  font-size: 0.82rem;
  font-weight: 500;
  color: var(--accent-gold);
  margin-bottom: 28px;
  backdrop-filter: blur(10px);
}

.hero-badge-dot {
  width: 8px;
  height: 8px;
  background: var(--accent-gold);
  border-radius: 50%;
  animation: pulse-dot 2s infinite;
}

@keyframes pulse-dot {
  0%, 100% { opacity: 1; box-shadow: 0 0 0 0 var(--gold-glow-strong); }
  50% { opacity: 0.7; box-shadow: 0 0 0 8px transparent; }
}

.hero h1 {
  margin-bottom: 24px;
  line-height: 1.05;
}

.hero h1 .line-accent {
  background: linear-gradient(135deg, var(--emerald), var(--emerald-bright));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-description {
  font-size: clamp(1.05rem, 1.5vw, 1.2rem);
  color: var(--gray-400);
  line-height: 1.7;
  margin-bottom: 40px;
  max-width: 520px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 60px;
}

.hero-stats {
  display: flex;
  gap: 48px;
}

.hero-stat {
  position: relative;
}

.hero-stat::before {
  content: '';
  position: absolute;
  left: -24px;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 40px;
  background: rgba(16, 41, 67,0.1);
}

.hero-stat:first-child::before { display: none; }

.hero-stat-value {
  font-size: 2rem;
  font-weight: 800;
  letter-spacing: -0.02em;
  background: linear-gradient(135deg, var(--ink), var(--emerald));
  -webkit-background-clip: text;
  -webkit-text-fill-color: transparent;
  background-clip: text;
}

.hero-stat-label {
  font-size: 0.82rem;
  color: var(--gray-500);
  font-weight: 500;
  margin-top: 2px;
}

/* Hero right — Floating card stack */
.hero-visual {
  position: relative;
  height: 500px;
}

.hero-card {
  position: absolute;
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  backdrop-filter: blur(20px);
  padding: 28px;
  transition: transform var(--transition-slow);
}

.hero-card-main {
  width: 380px;
  top: 40px;
  right: 0;
  z-index: 2;
}

.hero-card-float {
  width: 280px;
  top: 0;
  right: 200px;
  z-index: 1;
  padding: 20px;
}

.hero-card-small {
  width: 220px;
  bottom: 40px;
  right: 20px;
  z-index: 3;
  padding: 20px;
}

.hero-card-label {
  font-size: 0.75rem;
  color: var(--gray-500);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 12px;
}

.hero-card-title {
  font-size: 1.3rem;
  font-weight: 700;
  margin-bottom: 4px;
}

.hero-card-subtitle {
  font-size: 0.85rem;
  color: var(--gray-400);
  margin-bottom: 20px;
}

.hero-card-row {
  display: flex;
  justify-content: space-between;
  padding: 10px 0;
  border-top: 1px solid rgba(16, 41, 67,0.05);
  font-size: 0.88rem;
}

.hero-card-row span:first-child { color: var(--gray-400); }
.hero-card-row span:last-child { font-weight: 600; }

.hero-card-metric {
  font-size: 2rem;
  font-weight: 800;
  color: var(--accent-gold);
}

.hero-card-metric-sub {
  font-size: 0.82rem;
  color: var(--gray-400);
}

.hero-card-approved {
  display: flex;
  align-items: center;
  gap: 10px;
}

.approved-icon {
  width: 40px;
  height: 40px;
  background: rgba(0, 170, 190, 0.15);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  color: #00aabe;
  font-size: 1.2rem;
}

.approved-text { font-weight: 600; }
.approved-sub { font-size: 0.8rem; color: var(--gray-400); }

/* --- Loan Programs --- */
.programs {
  padding: var(--section-padding) 0;
  position: relative;
}

.programs-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 56px;
}

.program-card {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: all var(--transition-medium);
  position: relative;
  overflow: hidden;
  display: flex;
  flex-direction: column;
}
.program-card .btn-ghost { margin-top: auto; }

.program-card::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  right: 0;
  height: 2px;
  background: linear-gradient(90deg, transparent, var(--accent-gold), transparent);
  opacity: 0;
  transition: opacity var(--transition-fast);
}

.program-card:hover {
  transform: translateY(-4px);
  border-color: rgba(0, 170, 190, 0.15);
  box-shadow: 0 20px 60px rgba(16, 41, 67, 0.08);
}

.program-card:hover::before { opacity: 1; }

.program-card.featured {
  border-color: rgba(0, 170, 190, 0.2);
  background: linear-gradient(135deg, var(--bone-2), rgba(0, 170, 190, 0.03));
}

.program-card.featured .program-badge {
  display: inline-block;
}

.program-badge {
  display: none;
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--primary-dark);
  background: var(--accent-gold);
  padding: 4px 12px;
  border-radius: 50px;
  margin-bottom: 16px;
}

.program-icon {
  width: 52px;
  height: 52px;
  background: rgba(0, 170, 190, 0.08);
  border: 1px solid rgba(0, 170, 190, 0.1);
  border-radius: var(--radius-md);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  margin-bottom: 20px;
}

.program-card h3 {
  font-size: 1.2rem;
  margin-bottom: 8px;
}

.program-card p {
  font-size: 0.9rem;
  color: var(--gray-400);
  line-height: 1.6;
  margin-bottom: 20px;
}

.program-card .btn-ghost {
  font-size: 0.85rem;
}

/* --- Why UTM Section --- */
.why-section {
  padding: var(--section-padding) 0;
  background: linear-gradient(180deg, var(--primary-dark), var(--secondary-dark), var(--primary-dark));
  position: relative;
}

.why-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  margin-top: 56px;
}

.why-card {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: 40px 32px;
  transition: all var(--transition-medium);
  position: relative;
}

.why-card:hover {
  border-color: rgba(0, 170, 190, 0.12);
  transform: translateY(-2px);
}

.why-card-number {
  font-size: 3rem;
  font-weight: 800;
  color: var(--accent-gold);
  opacity: 0.55;
  position: absolute;
  top: 20px;
  right: 28px;
  line-height: 1;
  letter-spacing: -0.02em;
}

.why-card h3 { margin-bottom: 12px; }

.why-card p {
  color: var(--gray-400);
  font-size: 0.95rem;
  line-height: 1.7;
}

.why-card-bar {
  margin-top: 24px;
  height: 4px;
  background: rgba(16, 41, 67,0.05);
  border-radius: 2px;
  overflow: hidden;
}

.why-card-bar-fill {
  height: 100%;
  background: var(--accent-gold);
  border-radius: 2px;
  width: 0;
  transition: width 1.5s var(--ease-out-expo);
}

/* --- Process Section --- */
.process {
  padding: var(--section-padding) 0;
  position: relative;
}

.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  margin-top: 56px;
  position: relative;
}

.process-steps::before {
  content: '';
  position: absolute;
  top: 44px;
  left: 12.5%;
  right: 12.5%;
  height: 2px;
  background: linear-gradient(90deg, var(--accent-gold), rgba(0, 170, 190, 0.3), rgba(0, 170, 190, 0.1));
}

.process-step {
  text-align: center;
  padding: 0 20px;
  position: relative;
  z-index: 1;
}

.process-step-number {
  width: 56px;
  height: 56px;
  border-radius: 50%;
  background: var(--secondary-dark);
  border: 2px solid var(--accent-gold);
  display: flex;
  align-items: center;
  justify-content: center;
  font-weight: 800;
  font-size: 1.1rem;
  color: var(--accent-gold);
  margin: 0 auto 24px;
  position: relative;
}

.process-step-number::after {
  content: '';
  position: absolute;
  inset: -6px;
  border-radius: 50%;
  border: 1px solid rgba(0, 170, 190, 0.15);
}

.process-step h4 { margin-bottom: 8px; }

.process-step p {
  font-size: 0.88rem;
  color: var(--gray-400);
  line-height: 1.6;
}

/* --- Stats Strip --- */
.stats-strip {
  padding: 80px 0;
  background: linear-gradient(135deg, var(--secondary-dark), var(--charcoal));
  border-top: 1px solid rgba(0, 170, 190, 0.06);
  border-bottom: 1px solid rgba(0, 170, 190, 0.06);
  position: relative;
  overflow: hidden;
}

.stats-strip::before {
  content: '';
  position: absolute;
  top: -50%;
  left: -10%;
  width: 40%;
  height: 200%;
  background: radial-gradient(ellipse, rgba(0, 170, 190, 0.03), transparent 70%);
}

.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 40px;
  text-align: center;
}

.stat-item {}

.stat-value {
  font-size: clamp(2.2rem, 4vw, 3.5rem);
  font-weight: 800;
  letter-spacing: -0.03em;
  margin-bottom: 4px;
}

.stat-value .counter-suffix {
  color: var(--accent-gold);
}

.stat-label {
  font-size: 0.88rem;
  color: var(--gray-400);
  font-weight: 500;
}

/* --- Non-QM Education --- */
.nonqm-section {
  padding: var(--section-padding) 0;
  position: relative;
}

.nonqm-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  margin-top: 56px;
}

.nonqm-content h3 {
  font-size: 1.6rem;
  margin-bottom: 16px;
}

.nonqm-content > p {
  color: var(--gray-400);
  line-height: 1.7;
  margin-bottom: 32px;
}

.nonqm-who-list {
  display: flex;
  flex-direction: column;
  gap: 16px;
  margin-bottom: 36px;
}

.nonqm-who-item {
  display: flex;
  align-items: center;
  gap: 14px;
  font-size: 0.95rem;
}

.nonqm-who-icon {
  width: 40px;
  height: 40px;
  min-width: 40px;
  background: rgba(0, 170, 190, 0.08);
  border: 1px solid rgba(0, 170, 190, 0.1);
  border-radius: var(--radius-sm);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.1rem;
}

.nonqm-scenarios {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.nonqm-scenario-card {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-md);
  padding: 24px;
  transition: all var(--transition-medium);
}

.nonqm-scenario-card:hover {
  border-color: rgba(0, 170, 190, 0.15);
  transform: translateY(-2px);
}

.nonqm-scenario-card h4 {
  font-size: 1rem;
  margin-bottom: 8px;
}

.nonqm-scenario-card p {
  font-size: 0.85rem;
  color: var(--gray-400);
  line-height: 1.6;
}

/* --- DSCR Highlight Band --- */
.dscr-band {
  padding: 80px 0;
  background: linear-gradient(135deg, rgba(0, 170, 190, 0.04), var(--bone-2));
  border-top: 1px solid rgba(0, 170, 190, 0.08);
  border-bottom: 1px solid rgba(0, 170, 190, 0.08);
  position: relative;
}

.dscr-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 60px;
  align-items: center;
}

.dscr-label {
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--accent-gold);
  margin-bottom: 12px;
}

.dscr-layout h2 { margin-bottom: 16px; }

.dscr-layout > div > p {
  color: var(--gray-400);
  line-height: 1.7;
  margin-bottom: 24px;
}

.dscr-features {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}

.dscr-feature {
  display: flex;
  align-items: center;
  gap: 10px;
  font-size: 0.9rem;
  font-weight: 500;
}

.dscr-check {
  color: var(--accent-gold);
  font-size: 1rem;
}

.dscr-example-card {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: 32px;
}

.dscr-example-header {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 24px;
  padding-bottom: 16px;
  border-bottom: 1px solid rgba(16, 41, 67,0.05);
}

.dscr-example-title {
  font-size: 0.8rem;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.dscr-example-status {
  font-size: 0.78rem;
  font-weight: 600;
  color: #00aabe;
  background: rgba(0, 170, 190, 0.1);
  padding: 4px 14px;
  border-radius: 50px;
}

.dscr-example-rows { display: flex; flex-direction: column; gap: 12px; }

.dscr-example-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.9rem;
}

.dscr-example-row span:first-child { color: var(--gray-400); }
.dscr-example-row span:last-child { font-weight: 600; }
.dscr-example-row .gold { color: var(--accent-gold); }

/* --- Deal Spotlight --- */
.deals-section {
  padding: var(--section-padding) 0;
  position: relative;
}

.deals-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 56px;
}

.deal-card {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition-medium);
}

.deal-card:hover {
  border-color: rgba(0, 170, 190, 0.12);
  transform: translateY(-4px);
}

.deal-card-header {
  padding: 24px 24px 16px;
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
}

.deal-type {
  font-size: 0.7rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: var(--accent-gold);
  background: rgba(0, 170, 190, 0.08);
  padding: 4px 12px;
  border-radius: 50px;
}

.deal-amount {
  font-size: 1.5rem;
  font-weight: 800;
  text-align: right;
}

.deal-card-body {
  padding: 0 24px 24px;
  display: flex;
  flex-direction: column;
  gap: 10px;
}

.deal-row {
  display: flex;
  justify-content: space-between;
  font-size: 0.85rem;
  padding: 6px 0;
  border-bottom: 1px solid rgba(16, 41, 67,0.03);
}

.deal-row span:first-child { color: var(--gray-400); }
.deal-row span:last-child { font-weight: 500; }

/* --- Scenario Tool (UI Only) --- */
.scenario-section {
  padding: var(--section-padding) 0;
  background: linear-gradient(180deg, var(--primary-dark), var(--secondary-dark));
  position: relative;
}

.scenario-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
  margin-top: 56px;
}

.scenario-tool {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-xl);
  padding: 40px;
  backdrop-filter: blur(20px);
}

.scenario-tool h3 {
  font-size: 1.3rem;
  margin-bottom: 8px;
}

.scenario-tool > p {
  font-size: 0.88rem;
  color: var(--gray-400);
  margin-bottom: 32px;
}

.scenario-field {
  margin-bottom: 20px;
}

.scenario-field label {
  display: block;
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 8px;
}

.scenario-field select,
.scenario-field input {
  width: 100%;
  padding: 12px 16px;
  background: var(--paper);
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-size: 0.95rem;
  font-family: inherit;
  transition: border-color var(--transition-fast);
  -webkit-appearance: none;
}

.scenario-field select:focus,
.scenario-field input:focus {
  outline: none;
  border-color: var(--accent-gold);
}

.scenario-field select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%238A94A6' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 16px center;
  padding-right: 40px;
}

.scenario-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}

.scenario-tool .btn-primary {
  width: 100%;
  margin-top: 8px;
}

/* --- Trust / Reviews --- */
.trust-section {
  padding: var(--section-padding) 0;
  position: relative;
}

.reviews-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  margin-top: 56px;
}

.review-card {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: 32px;
}

.review-stars {
  color: var(--accent-gold);
  font-size: 0.9rem;
  letter-spacing: 2px;
  margin-bottom: 16px;
}

.review-text {
  font-size: 0.95rem;
  color: var(--gray-300);
  line-height: 1.7;
  margin-bottom: 20px;
  font-style: italic;
}

.review-author {
  font-weight: 600;
  font-size: 0.9rem;
}

.review-role {
  font-size: 0.82rem;
  color: var(--gray-500);
}

.partners-strip {
  margin-top: 60px;
  padding-top: 40px;
  border-top: 1px solid rgba(16, 41, 67,0.05);
  text-align: center;
}

.partners-label {
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.15em;
  color: var(--gray-500);
  margin-bottom: 28px;
}

.partners-logos {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 48px;
  flex-wrap: wrap;
  opacity: 0.4;
}

.partner-logo {
  font-size: 1.1rem;
  font-weight: 700;
  letter-spacing: 0.02em;
  color: var(--gray-300);
}

/* --- Lead Capture Modal --- */
.lead-modal-overlay {
  position: fixed;
  inset: 0;
  background: rgba(16, 41, 67, 0.5);
  backdrop-filter: blur(8px);
  z-index: 2000;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 24px;
}

.lead-modal-overlay.active { display: flex; }

.lead-modal {
  background: var(--secondary-dark);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-xl);
  padding: 48px;
  width: 100%;
  max-width: 500px;
  position: relative;
}

.lead-modal-close {
  position: absolute;
  top: 20px;
  right: 20px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: rgba(16, 41, 67,0.05);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--gray-400);
  font-size: 1.2rem;
  transition: all var(--transition-fast);
}

.lead-modal-close:hover {
  background: rgba(16, 41, 67,0.1);
  color: var(--white);
}

.lead-modal h3 {
  font-size: 1.5rem;
  margin-bottom: 8px;
}

.lead-modal > p {
  color: var(--gray-400);
  margin-bottom: 32px;
  font-size: 0.95rem;
}

.lead-form { display: flex; flex-direction: column; gap: 16px; }

.lead-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

.lead-field label {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--gray-400);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.lead-field input,
.lead-field select {
  padding: 12px 16px;
  background: var(--paper);
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-sm);
  color: var(--white);
  font-size: 0.95rem;
  font-family: inherit;
  transition: border-color var(--transition-fast);
  -webkit-appearance: none;
}

.lead-field input:focus,
.lead-field select:focus {
  outline: none;
  border-color: var(--accent-gold);
}

.lead-form .btn-primary { width: 100%; margin-top: 8px; }

/* --- Sticky CTA --- */
.sticky-cta {
  position: fixed;
  bottom: 28px;
  right: 28px;
  z-index: 900;
  opacity: 0;
  transform: translateY(20px);
  transition: all var(--transition-medium);
  pointer-events: none;
}

.sticky-cta.visible {
  opacity: 1;
  transform: translateY(0);
  pointer-events: all;
}

.sticky-cta .btn-primary {
  box-shadow: 0 8px 30px rgba(0, 170, 190, 0.25);
  padding: 16px 28px;
}

/* --- Footer --- */
.footer {
  padding: 80px 0 40px;
  border-top: 1px solid var(--line);
  background:
    radial-gradient(ellipse 700px 300px at 80% 0%, rgba(0, 170, 190, 0.06) 0%, transparent 60%),
    var(--bone-2);
}

.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}

.footer-brand p {
  color: var(--gray-500);
  font-size: 0.9rem;
  line-height: 1.7;
  margin-top: 16px;
  max-width: 300px;
}

.footer-col h4 {
  font-size: 0.82rem;
  text-transform: uppercase;
  letter-spacing: 0.12em;
  color: var(--gray-400);
  margin-bottom: 20px;
}

.footer-col a {
  display: block;
  font-size: 0.9rem;
  color: var(--gray-500);
  padding: 6px 0;
  transition: color var(--transition-fast);
}

.footer-col a:hover { color: var(--accent-gold); }

.footer-disclaimer {
  margin-bottom: 28px;
  padding: 16px 20px;
  border: 1px solid rgba(11, 20, 16, 0.12);
  border-radius: 8px;
  background: rgba(11, 20, 16, 0.03);
  font-size: 0.88rem;
  line-height: 1.55;
  color: var(--gray-600, #4a5553);
}

.footer-bottom {
  padding-top: 32px;
  border-top: 1px solid rgba(16, 41, 67,0.05);
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-size: 0.82rem;
  color: var(--gray-500);
  flex-wrap: wrap;
  gap: 16px;
}

.footer-legal { display: flex; gap: 24px; }
.footer-legal a { transition: color var(--transition-fast); }
.footer-legal a:hover { color: var(--gray-300); }

/* --- Team Page --- */
.page-header {
  padding: calc(var(--nav-height) + 60px) 0 60px;
  text-align: center;
  background: linear-gradient(180deg, var(--secondary-dark), var(--primary-dark));
  position: relative;
}

.page-header::before {
  content: none;
}

.team-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  padding: var(--section-padding) 0;
}

.team-card {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition-medium);
}

.team-card:hover {
  transform: translateY(-4px);
  border-color: rgba(0, 170, 190, 0.12);
}

.team-card-img {
  width: 100%;
  aspect-ratio: 1;
  background: linear-gradient(135deg, var(--charcoal), var(--secondary-dark));
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 2.5rem;
  color: var(--gray-500);
  overflow: hidden;
}

.team-card-img img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.team-card-info {
  padding: 20px;
}

.team-card-name {
  font-size: 1.05rem;
  font-weight: 700;
  margin-bottom: 2px;
}

.team-card-title {
  font-size: 0.82rem;
  color: var(--gray-400);
  margin-bottom: 12px;
}

.team-card-link {
  font-size: 0.82rem;
  color: var(--accent-gold);
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: gap var(--transition-fast);
}

.team-card-link:hover { gap: 10px; }

.team-card-contact {
  display: flex;
  flex-direction: column;
  gap: 6px;
  margin-bottom: 14px;
  font-size: 0.82rem;
}
.team-card-contact a {
  color: var(--gray-300);
  display: inline-flex;
  align-items: center;
  gap: 6px;
  transition: color var(--transition-fast);
}
.team-card-contact a:hover { color: var(--accent-gold); }
.team-card-contact svg { flex-shrink: 0; opacity: 0.7; }

/* --- Scroll Animations --- */
.reveal {
  opacity: 0;
  transform: translateY(40px);
  transition: opacity 0.8s var(--ease-out-expo), transform 0.8s var(--ease-out-expo);
}

.reveal.revealed {
  opacity: 1;
  transform: translateY(0);
}

.reveal-delay-1 { transition-delay: 0.1s; }
.reveal-delay-2 { transition-delay: 0.2s; }
.reveal-delay-3 { transition-delay: 0.3s; }
.reveal-delay-4 { transition-delay: 0.4s; }
.reveal-delay-5 { transition-delay: 0.5s; }

/* --- Responsive --- */
@media (max-width: 1024px) {
  .hero-content { grid-template-columns: 1fr; gap: 48px; }
  .hero-visual { display: none; }
  .hero-text { max-width: 100%; }
  .programs-grid { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; }
  .nonqm-layout { grid-template-columns: 1fr; gap: 48px; }
  .dscr-layout { grid-template-columns: 1fr; gap: 40px; }
  .scenario-layout { grid-template-columns: 1fr; gap: 48px; }
  .deals-grid { grid-template-columns: repeat(2, 1fr); }
  .reviews-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .team-grid { grid-template-columns: repeat(3, 1fr); }
  .process-steps { grid-template-columns: repeat(2, 1fr); gap: 40px; }
  .process-steps::before { display: none; }
}

@media (max-width: 768px) {
  .nav-links { display: none; }
  .mobile-toggle { display: flex; }
  .nav-cta { display: none; }
  .hero { min-height: auto; padding-top: calc(var(--nav-height) + 40px); padding-bottom: 24px; }
  .hero-content { padding: 40px 24px 32px; }
  .hero-stats { gap: 32px; }
  .hero-stat-value { font-size: 1.5rem; }
  .programs-grid { grid-template-columns: 1fr; }
  .why-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: 1fr; gap: 32px; }
  .stats-grid { grid-template-columns: 1fr 1fr; }
  .nonqm-scenarios { grid-template-columns: 1fr; }
  .dscr-features { grid-template-columns: 1fr; }
  .deals-grid { grid-template-columns: 1fr; }
  .reviews-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .team-grid { grid-template-columns: repeat(2, 1fr); gap: 16px; }
  .scenario-row { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; }
  .hero-actions .btn { width: 100%; }
  .sticky-cta { bottom: 16px; right: 16px; left: 16px; }
  .sticky-cta .btn-primary { width: 100%; }
  .footer-bottom { flex-direction: column; text-align: center; }
}

@media (max-width: 480px) {
  :root { --section-padding: clamp(48px, 8vw, 72px); }
  .team-grid { grid-template-columns: 1fr; max-width: 360px; margin-left: auto; margin-right: auto; }
  .hero-stats { flex-direction: column; gap: 16px; }
  .hero-stat::before { display: none; }
  .lead-modal { padding: 32px 24px; }
  .programs-grid { margin-top: 32px; }
  .programs .container,
  .stats-strip .container,
  .nonqm-section .container,
  .scenario-section .container { position: relative; z-index: 1; }
  body { padding-bottom: env(safe-area-inset-bottom, 0px); }
  .sticky-cta { bottom: calc(16px + env(safe-area-inset-bottom, 0px)); }
}

/* ============================================
   ADDITIONS — Logo image, nav dropdown, apply rows
   ============================================ */

/* Logo image — bone bg, ink-colored logo (no inversion needed) */
.nav-logo-img {
  height: 44px;
  width: auto;
  display: block;
}
.footer-logo-img { height: 52px; }
/* The logo image already contains the "UNITED TRUST MUTUAL" wordmark — hide the duplicate text next to it */
.nav-logo span { display: none; }
.nav-logo { padding: 4px 0; }
/* Logo never squeezes; the menu tightens on mid-size screens instead */
.nav-logo { flex-shrink: 0; }
@media (max-width: 1280px) { .nav-links { gap: 22px; } .nav-inner { gap: 20px; } }

/* Hide the old text "UT" badge if still around (no-op when not used) */
.nav-logo-icon { display: inline-flex; }

/* Nav dropdown (Tools) */
.nav-dropdown { position: relative; }
.nav-dropdown-toggle {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  cursor: pointer;
}
.nav-dropdown-menu {
  position: absolute;
  top: 100%;
  left: 50%;
  transform: translateX(-50%) translateY(8px);
  min-width: 200px;
  background: var(--secondary-dark);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-md);
  padding: 8px;
  display: flex;
  flex-direction: column;
  gap: 2px;
  opacity: 0;
  visibility: hidden;
  transition: opacity var(--transition-fast), transform var(--transition-fast), visibility var(--transition-fast);
  box-shadow: 0 24px 48px rgba(16, 41, 67, 0.10);
  z-index: 200;
}
.nav-dropdown:hover .nav-dropdown-menu,
.nav-dropdown:focus-within .nav-dropdown-menu {
  opacity: 1;
  visibility: visible;
  transform: translateX(-50%) translateY(4px);
}
.nav-dropdown-menu a {
  display: block;
  padding: 10px 14px;
  border-radius: 8px;
  font-size: 0.92rem;
  color: var(--gray-300);
  transition: background var(--transition-fast), color var(--transition-fast);
}
.nav-dropdown-menu a:hover {
  background: rgba(0, 170, 190, 0.08);
  color: var(--accent-gold);
}

/* Hero language link */
.hero-lang-row { margin-top: 14px; }
.hero-lang-link {
  font-size: 0.85rem;
  color: var(--gray-400);
  letter-spacing: 0.02em;
  transition: color var(--transition-fast);
}
.hero-lang-link:hover { color: var(--accent-gold); }

/* Final CTA row */
.cta-actions {
  display: inline-flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: center;
}

/* Footer apply row + lang */
.footer-apply-row {
  display: flex;
  align-items: center;
  gap: 16px;
  margin-top: 20px;
}
.footer-lang-link {
  font-size: 0.85rem;
  color: var(--gray-400);
  transition: color var(--transition-fast);
}
.footer-lang-link:hover { color: var(--accent-gold); }

/* Footer grid: support 5 columns now */
.footer-grid { grid-template-columns: 1.4fr 1fr 1fr 1fr 1fr; }

@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .nav-dropdown-menu { left: 0; transform: translateY(8px); }
  .nav-dropdown:hover .nav-dropdown-menu,
  .nav-dropdown:focus-within .nav-dropdown-menu {
    transform: translateY(4px);
  }
}
@media (max-width: 640px) {
  .footer-grid { grid-template-columns: 1fr; }
}

/* Page-header (used by team & shared pages) */
.page-header {
  position: relative;
  padding: calc(var(--nav-height) + 80px) 0 60px;
  text-align: center;
  background:
    radial-gradient(1200px 400px at 50% 0%, rgba(0, 170, 190, 0.08), transparent 60%),
    var(--primary-dark);
  border-bottom: 1px solid rgba(16, 41, 67,0.05);
}

/* ============================================
   BLOG STYLES
   ============================================ */
.blog-hero {
  padding: calc(var(--nav-height) + 80px) 0 60px;
  background:
    radial-gradient(1200px 400px at 50% 0%, rgba(0, 170, 190, 0.08), transparent 60%),
    var(--primary-dark);
  text-align: center;
  border-bottom: 1px solid rgba(16, 41, 67,0.05);
}
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  padding: 60px 0;
}
.blog-card {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  padding: 32px;
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: transform var(--transition-medium), border-color var(--transition-medium), background var(--transition-medium);
}
.blog-card:hover {
  transform: translateY(-4px);
  border-color: rgba(0, 170, 190, 0.3);
  background: var(--bone-2);
}
.blog-card-tag {
  font-size: 0.75rem;
  font-weight: 600;
  letter-spacing: 0.15em;
  text-transform: uppercase;
  color: var(--accent-gold);
}
.blog-card h3 {
  font-size: 1.4rem;
  line-height: 1.25;
}
.blog-card p {
  color: var(--gray-400);
  line-height: 1.6;
  font-size: 0.95rem;
}
.blog-card-link {
  margin-top: auto;
  color: var(--accent-gold);
  font-size: 0.9rem;
  font-weight: 600;
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

/* Blog post page */
.post-hero {
  padding: calc(var(--nav-height) + 80px) 0 60px;
  background:
    radial-gradient(1200px 400px at 30% 0%, rgba(0, 170, 190, 0.1), transparent 60%),
    var(--primary-dark);
  border-bottom: 1px solid rgba(16, 41, 67,0.05);
}
.post-hero .container { max-width: 820px; }
.post-hero .post-meta {
  display: flex;
  gap: 14px;
  align-items: center;
  font-size: 0.8rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 16px;
}
.post-hero .post-meta .tag {
  color: var(--accent-gold);
  font-weight: 600;
}
.post-hero h1 { font-size: clamp(2rem, 4.2vw, 3.4rem); }
.post-hero p {
  margin-top: 20px;
  font-size: clamp(1.05rem, 1.4vw, 1.2rem);
  color: var(--gray-300);
  line-height: 1.7;
}
.post-body {
  max-width: 760px;
  margin: 0 auto;
  padding: 60px 24px 40px;
}
.post-body h2 {
  font-size: 1.7rem;
  margin: 48px 0 16px;
  color: var(--white);
}
.post-body h3 {
  font-size: 1.25rem;
  margin: 32px 0 12px;
  color: var(--accent-gold);
}
.post-body p {
  color: var(--gray-300);
  line-height: 1.8;
  margin-bottom: 18px;
  font-size: 1.02rem;
}
.post-body ul {
  list-style: none;
  margin: 12px 0 24px;
  padding: 0;
}
.post-body ul li {
  position: relative;
  padding-left: 26px;
  margin-bottom: 12px;
  color: var(--gray-300);
  line-height: 1.7;
}
.post-body ul li::before {
  content: '';
  position: absolute;
  left: 0;
  top: 11px;
  width: 14px;
  height: 1px;
  background: var(--accent-gold);
}
.post-body strong { color: var(--white); }
.post-body a:not(.btn) { color: var(--accent-gold); text-decoration: underline; text-underline-offset: 3px; }
.post-body .btn { text-decoration: none; }
.post-body .btn-primary { color: var(--primary-dark); }
.post-body .btn-secondary { color: var(--white); }
.post-callout {
  margin: 32px 0;
  padding: 28px 32px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, rgba(0, 170, 190, 0.08), rgba(0, 170, 190, 0.02));
  border: 1px solid rgba(0, 170, 190, 0.18);
}
.post-callout h4 {
  color: var(--accent-gold);
  margin-bottom: 8px;
  font-size: 1rem;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.post-cta-band {
  margin: 60px auto 80px;
  max-width: 760px;
  padding: 40px 32px;
  border-radius: var(--radius-xl);
  background: var(--secondary-dark);
  border: 1px solid rgba(0, 170, 190, 0.18);
  text-align: center;
}
.post-cta-band h3 { margin-bottom: 12px; }
.post-cta-band p { color: var(--gray-400); margin-bottom: 24px; }
.post-cta-band .cta-actions { width: 100%; }

@media (max-width: 900px) {
  .blog-grid { grid-template-columns: 1fr; }
}

/* ============================================
   FAQ section
   ============================================ */
.faq-section {
  padding: var(--section-padding) 0;
  position: relative;
}
.faq-section::before {
  content: '';
  position: absolute;
  inset: 0;
  background: radial-gradient(800px 400px at 50% 0%, rgba(0, 170, 190, 0.04), transparent 70%);
  pointer-events: none;
}
.faq-list {
  max-width: 820px;
  margin: 56px auto 0;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.faq-item {
  background: var(--glass-bg);
  border: 1px solid var(--glass-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: border-color var(--transition-fast);
}
.faq-item.open { border-color: rgba(0, 170, 190, 0.22); }
.faq-q {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 22px 28px;
  background: transparent;
  border: 0;
  color: var(--white);
  font: inherit;
  font-size: 1.02rem;
  font-weight: 600;
  text-align: left;
  cursor: pointer;
  transition: background var(--transition-fast);
}
.faq-q:hover { background: rgba(16, 41, 67,0.02); }
.faq-toggle {
  flex-shrink: 0;
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--accent-gold);
  line-height: 1;
  transition: transform var(--transition-fast);
}
.faq-item.open .faq-toggle { transform: rotate(45deg); }
.faq-a {
  max-height: 0;
  overflow: hidden;
  transition: max-height var(--transition-medium), padding var(--transition-medium);
  padding: 0 28px;
}
.faq-item.open .faq-a {
  max-height: 600px;
  padding: 0 28px 22px;
}
.faq-a p {
  color: var(--gray-300);
  line-height: 1.7;
  font-size: 0.96rem;
}
.faq-a a {
  color: var(--accent-gold);
  text-decoration: underline;
  text-underline-offset: 3px;
}

@media (max-width: 640px) {
  .faq-q { padding: 18px 20px; font-size: 0.95rem; }
  .faq-a, .faq-item.open .faq-a { padding-left: 20px; padding-right: 20px; }
  .faq-item.open .faq-a { padding-bottom: 18px; }
}

/* Hero pre-approval note */
.hero-preapproval {
  margin-top: 18px;
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.hero-preapproval-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  color: var(--gray-300);
  font-weight: 500;
}
.hero-preapproval-badge svg { color: var(--accent-gold); flex-shrink: 0; }
.hero-preapproval-badge strong { color: var(--accent-gold); font-weight: 700; }
.hero-preapproval-fine {
  font-size: 0.72rem;
  color: var(--gray-500);
  letter-spacing: 0.01em;
}

/* Team card NMLS line */
.team-card-nmls {
  font-size: 0.7rem;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gray-500);
  margin-bottom: 12px;
  font-weight: 600;
}
.team-card-nmls strong { color: var(--accent-gold); font-weight: 700; }

/* ============================================
   REDESIGN — Hero atmosphere + Ledger card
   ============================================ */

/* Hero atmospheric grid removed — bone direction prefers daylight */
.hero-grid-pattern {
  display: none !important;
}

.hero-bg-gradient {
  background:
    radial-gradient(ellipse 900px 600px at 80% 15%, rgba(0, 170, 190, 0.30) 0%, transparent 55%),
    radial-gradient(ellipse 700px 500px at 10% 85%, rgba(0, 170, 190, 0.06) 0%, transparent 60%) !important;
}

/* Hero typography refinements */
.hero h1 em { font-style: normal; font-weight: inherit; background: linear-gradient(180deg, var(--emerald-bright), var(--emerald)); -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent; }
.hero-description {
  font-size: 1.05rem;
  line-height: 1.7;
  color: var(--muted);
  max-width: 540px;
  margin: 28px 0 0;
}
.hero-description em { font-style: normal; color: var(--ink); }

.hero-actions { margin-top: 36px; }

.hero-lang-link {
  font-family: var(--font-mono);
  font-size: 0.7rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--emerald);
}
.hero-lang-link:hover { color: var(--ink); }

.hero-preapproval { margin-top: 22px; }
.hero-preapproval-badge {
  font-size: 0.85rem;
  color: var(--ink);
}
.hero-preapproval-badge svg { color: var(--emerald-bright); }
.hero-preapproval-badge strong { color: var(--emerald); font-weight: 500; }
.hero-preapproval-fine {
  font-family: var(--font-mono);
  font-size: 0.65rem;
  color: var(--muted-faint);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero-stats {
  margin-top: 56px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.hero-stat-value {
  font-family: var(--font-display);
  font-size: clamp(1.5rem, 2.6vw, 2.1rem);
  font-weight: 800;
  color: var(--ink);
  letter-spacing: -0.02em;
  line-height: 1;
}
.hero-stat-label {
  font-family: var(--font-mono);
  font-size: 0.62rem;
  color: var(--muted-faint);
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin-top: 8px;
}
.hero-stat::before { display: none; }

/* Hero badge (legacy) — kill the rounded-pill look */
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  font-family: var(--font-mono);
  font-size: 0.68rem;
  font-weight: 500;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--emerald);
  padding: 0;
  background: none;
  border: 0;
  border-radius: 0;
}
.hero-badge-dot { width: 6px; height: 6px; background: var(--champagne); border-radius: 50%; }

/* — Ledger card — */
.hero-visual {
  position: relative;
  height: auto;
  min-height: 540px;
}
.ledger-card {
  position: relative;
  width: 100%;
  max-width: 460px;
  margin-left: auto;
  padding: 32px 32px 28px;
  background:
    radial-gradient(ellipse 600px 300px at 70% 20%, rgba(0, 170, 190, 0.06) 0%, transparent 60%),
    var(--paper);
  border: 1px solid var(--line-emerald);
  border-radius: var(--radius-xl);
  backdrop-filter: blur(14px);
  color: var(--ink);
}
.ledger-card-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  font-family: var(--font-mono);
  font-size: 0.68rem;
  letter-spacing: 0.18em;
  text-transform: uppercase;
}
.ledger-card-eyebrow { color: var(--champagne); }
.ledger-card-live {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--emerald-bright);
}
.ledger-card-live-dot {
  width: 7px; height: 7px;
  border-radius: 50%;
  background: var(--emerald-bright);
  box-shadow: 0 0 10px rgba(0, 170, 190, 0.6);
  animation: live-pulse 2.4s ease-in-out infinite;
}
@keyframes live-pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.45; }
}
.ledger-card-title {
  font-family: var(--font-display);
  font-size: 1.85rem;
  font-weight: 500;
  letter-spacing: -0.025em;
  margin-top: 22px;
  margin-bottom: 4px;
  line-height: 1.05;
}
.ledger-card-subtitle {
  font-family: var(--font-display);
  font-size: 1.4rem;
  font-weight: 600;
  color: var(--emerald);
  letter-spacing: -0.01em;
  margin-bottom: 14px;
  line-height: 1.1;
}
.ledger-card-subtitle em { font-style: normal; }
.ledger-card-mono {
  font-family: var(--font-mono);
  font-size: 0.72rem;
  color: rgba(16, 41, 67, 0.65);
  letter-spacing: 0.06em;
  margin-bottom: 22px;
}
.ledger-card-rows {
  display: flex;
  flex-direction: column;
}
.ledger-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  padding: 12px 0;
  border-top: 1px solid rgba(16, 41, 67, 0.08);
  font-size: 0.92rem;
}
.ledger-row:first-child { border-top: none; }
.ledger-row-k {
  color: rgba(16, 41, 67, 0.7);
  font-weight: 400;
}
.ledger-row-v {
  font-variant-numeric: tabular-nums;
  font-weight: 500;
  color: var(--ink);
  font-family: var(--font-main);
}
.ledger-row-v.ledger {
  font-family: var(--font-display);
  color: var(--champagne);
  font-weight: 500;
  font-size: 1.02rem;
}
.ledger-card-status {
  margin-top: 22px;
  padding: 16px 18px;
  background: rgba(0, 170, 190, 0.18);
  border: 1px solid rgba(0, 170, 190, 0.22);
  display: flex;
  align-items: center;
  gap: 14px;
}
.ledger-card-status-icon {
  width: 32px; height: 32px;
  border-radius: 50%;
  background: var(--emerald);
  color: var(--bone);
  display: flex;
  align-items: center;
  justify-content: center;
  flex-shrink: 0;
}
.ledger-card-status-text {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: 1rem;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.ledger-card-status-sub {
  font-family: var(--font-mono);
  font-size: 0.66rem;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: rgba(16, 41, 67, 0.55);
  margin-top: 2px;
}

/* Hide legacy hero-card classes if any survive */
.hero-card { display: none; }

@media (max-width: 1024px) {
  .hero-stats { grid-template-columns: repeat(3, 1fr); gap: 16px; }
}
@media (max-width: 720px) {
  .hero-stats { grid-template-columns: repeat(2, 1fr); }
  .ledger-card { padding: 24px; }
}

/* Hero headline — keep "Capital that closes." on one line */
.hero-headline { font-size: clamp(2.4rem, 5.4vw, 4.6rem); line-height: 0.98; }
.hero-headline-line {
  display: block;
  white-space: nowrap;
}
@media (max-width: 540px) {
  .hero-headline { font-size: clamp(2.2rem, 8vw, 3.2rem); }
  .hero-headline-line { white-space: normal; }
}

/* ============================================================
   LEAD INTAKE FORM (hero) — styled to match the UTM site
   (bone/emerald editorial palette, Fraunces + Inter, hairline
   geometry, ink-fill CTA). Scoped under #lead-form so it never
   collides with the .form-card class used by the /analyze tool.
   ============================================================ */
.hero-visual {
  height: auto;
  min-height: 0;
  display: flex;
  align-items: flex-start;
  justify-content: flex-end;
}

#lead-form {
  width: 100%;
  max-width: 460px;
  margin-left: auto;
  background:
    radial-gradient(ellipse 600px 320px at 70% 0%, rgba(0, 170, 190, 0.06) 0%, transparent 60%),
    var(--paper);
  border: 1px solid var(--line-emerald);
  border-radius: var(--radius-md);
  overflow: hidden;
  box-shadow: 0 24px 60px rgba(16, 41, 67, 0.10);
  backdrop-filter: blur(14px);
  position: relative;
  z-index: 1;
  font-family: var(--font-main);
  color: var(--ink);
  text-align: left;
}
#lead-form .form-header {
  background: rgba(0, 170, 190, 0.05);
  border-bottom: 1px solid var(--line-emerald);
  padding: 26px 28px 22px;
  text-align: center;
}
#lead-form .form-header h2 {
  font-family: var(--font-display);
  font-size: 1.7rem;
  color: var(--ink);
  font-weight: 800;
  letter-spacing: -0.02em;
  line-height: 1.05;
  margin: 0;
}
#lead-form .form-header p {
  font-size: 0.82rem;
  color: var(--text-muted);
  margin: 8px 0 0;
}
#lead-form .form-body { padding: 24px 28px 26px; }
#lead-form .form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
#lead-form .form-group { display: flex; flex-direction: column; gap: 6px; }
#lead-form .form-group.full { grid-column: 1 / -1; }
#lead-form label {
  font-family: var(--font-main);
  font-size: 0.7rem;
  font-weight: 600;
  color: var(--text-muted);
  letter-spacing: 0.1em;
  text-transform: uppercase;
}
#lead-form input,
#lead-form select {
  width: 100%;
  padding: 11px 14px;
  background: #ffffff;
  border: 1px solid var(--line-strong);
  border-radius: var(--radius-md);
  color: var(--ink);
  font-size: 0.92rem;
  font-family: var(--font-main);
  outline: none;
  transition: border-color var(--transition-fast);
  -webkit-appearance: none;
  appearance: none;
}
#lead-form input::placeholder { color: var(--text-soft); }
#lead-form input:focus,
#lead-form select:focus { border-color: var(--emerald); }
#lead-form select {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 24 24' fill='none' stroke='%231f5b4a' stroke-width='2'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 14px center;
  padding-right: 38px;
}
#lead-form .form-submit {
  margin-top: 18px;
  width: 100%;
  background: var(--ink);
  color: var(--bone);
  border: 1px solid var(--ink);
  padding: 14px;
  border-radius: var(--radius-md);
  font-size: 0.9rem;
  font-weight: 500;
  cursor: pointer;
  font-family: var(--font-main);
  letter-spacing: 0.02em;
  transition: all var(--transition-fast);
}
#lead-form .form-submit:hover {
  background: var(--emerald-deep);
  border-color: var(--emerald-deep);
  transform: translateY(-1px);
}
#lead-form .form-trust {
  display: flex;
  justify-content: center;
  gap: 16px;
  margin-top: 14px;
  font-size: 0.66rem;
  color: var(--text-soft);
}
#lead-form .form-trust span { display: flex; align-items: center; gap: 5px; }
#lead-form .form-disclaimer {
  font-size: 0.62rem;
  color: var(--text-soft);
  margin-top: 14px;
  line-height: 1.55;
}
#lead-form .form-disclaimer a {
  color: var(--emerald);
  text-decoration: underline;
  text-underline-offset: 2px;
}
#lead-form .form-disclaimer a:hover { color: var(--ink); }
/* 2-step indicator */
#lead-form .step-indicator {
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 6px;
}
#lead-form .step-dot {
  width: 30px;
  height: 30px;
  border-radius: 50%;
  background: var(--bone-3);
  color: var(--text-soft);
  font-family: var(--font-mono);
  font-size: 0.8rem;
  font-weight: 500;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.3s;
  flex-shrink: 0;
  position: relative;
}
#lead-form .step-dot .dot-check { display: none; }
#lead-form .step-dot .dot-num { display: block; }
#lead-form .step-dot.active { background: var(--emerald); color: var(--bone); }
#lead-form .step-dot.completed { background: var(--emerald-deep); color: var(--bone); }
#lead-form .step-dot.completed .dot-check { display: block; }
#lead-form .step-dot.completed .dot-num { display: none; }
#lead-form .step-line {
  flex: 1;
  height: 1px;
  background: var(--line-strong);
  max-width: 80px;
  transition: background 0.4s;
}
#lead-form .step-line.active { background: var(--emerald); }
#lead-form .step-labels {
  display: flex;
  justify-content: space-between;
  padding: 0 2px;
  margin-bottom: 18px;
  font-size: 0.66rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-soft);
}
#lead-form .step-labels span:first-child { color: var(--ink); }
#lead-form .step-title-txt {
  font-size: 0.8rem;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 14px;
  text-align: center;
}
#lead-form .eligibility-notice {
  background: rgba(0, 170, 190, 0.06);
  border: 1px solid var(--line-emerald);
  border-radius: var(--radius-md);
  padding: 11px 14px;
  font-size: 0.72rem;
  font-weight: 500;
  color: var(--emerald);
  text-align: center;
  margin: 14px 0 0;
}
#lead-form .good-news-bar {
  background: rgba(0, 170, 190, 0.08);
  border: 1px solid var(--line-emerald);
  border-radius: var(--radius-md);
  padding: 11px 14px;
  font-size: 0.78rem;
  font-weight: 500;
  color: var(--emerald-deep);
  text-align: center;
  margin-bottom: 16px;
}
#lead-form #step2 { animation: leadFormFadeUp 0.4s ease both; }
@keyframes leadFormFadeUp {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}

/* Reveal the hero form on tablet/mobile (the hero visual is hidden by default) */
@media (max-width: 1024px) {
  .hero-visual { display: flex; justify-content: center; }
  #lead-form { margin: 0 auto; max-width: 480px; }
}
@media (max-width: 540px) {
  #lead-form .form-grid { grid-template-columns: 1fr; }
}

/* ============================================
   PHOTOGRAPHY — hero panel, program cards, CTA band
   Photos: assets/photos/ (Unsplash License, see CREDITS.md there)
   ============================================ */

/* Hero: full-width house photo behind the whole banner, white type on a navy wash
   (starts below the nav so the nav stays on the light page background) */
.hero-text { position: relative; z-index: 2; }
.hero-headline { font-size: clamp(2.4rem, 5vw, 4.3rem); } /* bold Inter runs wider than the old serif */
.hero.hero-photo-bg { isolation: isolate; }
.hero.hero-photo-bg::before,
.hero.hero-photo-bg::after {
  content: '';
  position: absolute;
  left: 0; right: 0; bottom: 0;
  top: var(--nav-height);
  pointer-events: none;
}
.hero.hero-photo-bg::before {
  z-index: -2;
  background: url('/assets/photos/hero-villa.webp') 70% 55% / cover no-repeat;
  transform-origin: 50% 0; /* zoom grows downward only, never up into the nav */
  animation: hero-photo-drift 28s ease-in-out infinite alternate;
}
.hero.hero-photo-bg::after {
  z-index: -1;
  background:
    linear-gradient(90deg, rgba(16, 41, 67, 0.88) 0%, rgba(16, 41, 67, 0.7) 36%, rgba(16, 41, 67, 0.2) 68%, rgba(16, 41, 67, 0.05) 100%),
    linear-gradient(180deg, rgba(16, 41, 67, 0.2) 0%, transparent 30%, rgba(16, 41, 67, 0.4) 100%);
}
@keyframes hero-photo-drift {
  from { transform: scale(1); }
  to   { transform: scale(1.08) translateX(-1%); }
}
.hero.hero-photo-bg .hero-bg { display: none; }
.hero.hero-photo-bg .hero-content { padding-top: 96px; }
.hero.hero-photo-bg .eyebrow-mono { color: var(--champagne); }
.hero.hero-photo-bg .hero-headline,
.hero.hero-photo-bg .hero-headline-line { color: #fff; }
.hero.hero-photo-bg .hero-headline em {
  background: linear-gradient(180deg, #9ee9ef, #00aabe);
  -webkit-background-clip: text; background-clip: text; -webkit-text-fill-color: transparent;
}
.hero.hero-photo-bg .hero-description { color: rgba(255, 255, 255, 0.82); }
.hero.hero-photo-bg .hero-description em { color: #fff; }
.hero.hero-photo-bg .btn-primary { background: #fff; border-color: #fff; color: var(--ink); }
.hero.hero-photo-bg .btn-primary:hover { background: #e6f7f9; border-color: #e6f7f9; }
.hero.hero-photo-bg .btn-secondary { color: #fff; border-color: rgba(255, 255, 255, 0.45); }
.hero.hero-photo-bg .btn-secondary:hover { color: #fff; border-color: #fff; background: rgba(255, 255, 255, 0.08); }
.hero.hero-photo-bg .hero-preapproval-badge { color: rgba(255, 255, 255, 0.9); }
.hero.hero-photo-bg .hero-preapproval-badge svg,
.hero.hero-photo-bg .hero-preapproval-badge strong { color: var(--champagne); }
.hero.hero-photo-bg .hero-preapproval-fine { color: rgba(255, 255, 255, 0.55); }
.hero.hero-photo-bg .hero-stats { border-top-color: rgba(255, 255, 255, 0.18); }
.hero.hero-photo-bg .hero-stat-value { color: #fff; background: none; -webkit-text-fill-color: #fff; }
.hero.hero-photo-bg .hero-stat-label { color: rgba(255, 255, 255, 0.6); }
.hero.hero-photo-bg #lead-form { box-shadow: 0 30px 70px -20px rgba(8, 24, 44, 0.55); }
@media (max-width: 1024px) {
  /* stacked layout: wash evenly so text stays readable over the whole photo */
  .hero.hero-photo-bg::after {
    background: linear-gradient(180deg, rgba(16, 41, 67, 0.9) 0%, rgba(16, 41, 67, 0.8) 60%, rgba(16, 41, 67, 0.65) 100%);
  }
  .hero.hero-photo-bg .hero-content { padding-top: 56px; }
}

/* Program cards: photo header bleeding to the card edges */
.program-photo {
  margin: -36px -28px 22px;
  aspect-ratio: 16 / 9;
  overflow: hidden;
  background: var(--bone-3);
}
.program-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.8s var(--ease-out-expo);
}
.program-card:hover .program-photo img { transform: scale(1.06); }

/* Closing CTA: navy band over the house-keys photo */
.cta-photo {
  position: relative;
  color: #fff;
  background:
    linear-gradient(160deg, rgba(16, 41, 67, 0.92) 0%, rgba(22, 58, 92, 0.85) 55%, rgba(15, 79, 104, 0.8) 100%),
    url('/assets/photos/couple-moving-in.jpg') center / cover no-repeat;
}
.cta-photo h2 { color: #fff; }
.cta-photo h2 .text-gold { color: var(--champagne); }
.cta-photo .section-subtitle { color: rgba(255, 255, 255, 0.82); }
.cta-photo .btn-primary { background: #fff; border-color: #fff; color: var(--ink); }
.cta-photo .btn-primary:hover { background: var(--teal-soft, #e6f7f9); border-color: var(--teal-soft, #e6f7f9); }

@media (prefers-reduced-motion: reduce) {
  .hero.hero-photo-bg::before { animation: none; }
  .program-card:hover .program-photo img { transform: none; }
}
/* "Most Popular" sits on the photo instead of pushing it down */
.program-card.featured .program-badge {
  position: absolute;
  top: 14px;
  left: 14px;
  z-index: 2;
  margin: 0;
  background: #fff;
  color: var(--ink);
  box-shadow: 0 6px 18px -6px rgba(16, 41, 67, 0.35);
}
.program-card::before { z-index: 2; }

/* Who We Help — lifestyle photo mosaic */
.people-section { padding: var(--section-padding) 0; }
.people-head { max-width: 720px; margin-bottom: 40px; }
.people-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  grid-auto-rows: 230px;
  gap: 16px;
}
.people-tile {
  position: relative;
  margin: 0;
  border-radius: var(--radius-xl);
  overflow: hidden;
  background: var(--bone-3);
}
.people-tile.big { grid-column: span 2; grid-row: span 2; }
.people-tile img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  transition: transform 0.8s var(--ease-out-expo);
}
.people-tile:hover img { transform: scale(1.05); }
.people-tile::after {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(180deg, transparent 55%, rgba(16, 41, 67, 0.7) 100%);
  pointer-events: none;
}
.people-tile figcaption {
  position: absolute;
  left: 18px;
  bottom: 14px;
  z-index: 1;
  color: #fff;
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: -0.01em;
}
.people-tile.big figcaption { font-size: 1.2rem; left: 24px; bottom: 20px; }
@media (max-width: 768px) {
  .people-grid { grid-template-columns: 1fr 1fr; grid-auto-rows: 170px; gap: 12px; }
  .people-tile.big { grid-column: span 2; grid-row: span 1; }
}
@media (prefers-reduced-motion: reduce) {
  .people-tile:hover img { transform: none; }
}

/* FAQ page: questions sit right under the page header */
.faq-section.faq-page { padding-top: 24px; }

/* Recently Funded page: deals sit right under the page header */
.deals-section.deals-page { padding-top: 24px; }
/* Clickable "Who We Help" tiles: the whole photo is the link */
.people-link { position: absolute; inset: 0; z-index: 2; border-radius: inherit; }
.people-link:focus-visible { outline: 3px solid var(--emerald-bright); outline-offset: 3px; }
.people-tile:has(.people-link) { cursor: pointer; }
.people-arrow { display: inline-block; margin-left: 6px; transition: transform var(--transition-fast); }
.people-tile:hover .people-arrow { transform: translateX(4px); }

/* Blog: first-time buyer down payment assistance highlight in the post header */
.dpa-highlight {
  display: flex;
  align-items: center;
  gap: 14px;
  max-width: 680px;
  margin-top: 26px;
  padding: 14px 18px;
  background: #e6f7f9;
  border: 1px solid rgba(0, 170, 190, 0.35);
  border-radius: var(--radius-lg);
  color: var(--ink);
  font-size: 0.95rem;
  line-height: 1.5;
  text-align: left;
  transition: border-color var(--transition-fast), box-shadow var(--transition-fast);
}
.dpa-highlight:hover { border-color: var(--emerald-bright); box-shadow: 0 10px 26px -12px rgba(0, 170, 190, 0.55); }
.dpa-badge {
  flex-shrink: 0;
  padding: 5px 10px;
  border-radius: 999px;
  background: var(--emerald);
  color: #fff;
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.dpa-arrow { margin-left: auto; color: var(--emerald); font-weight: 700; }
@media (max-width: 540px) {
  .dpa-highlight { flex-wrap: wrap; }
  .dpa-arrow { display: none; }
}
#down-payment-assistance { scroll-margin-top: calc(var(--nav-height) + 20px); }

/* "Not sure what's best? Just ask." contact cards */
.ask-section { padding: 72px 0; }
.ask-head { text-align: center; margin-bottom: 32px; }
.ask-head .section-subtitle { margin: 12px auto 0; text-align: center; }
.ask-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 16px; max-width: 620px; margin: 0 auto; }
.ask-card {
  display: flex; align-items: center; gap: 14px;
  padding: 20px 22px; background: var(--paper);
  border: 1px solid var(--line); border-radius: var(--radius-lg);
  color: var(--ink); transition: border-color var(--transition-fast), box-shadow var(--transition-fast), transform var(--transition-fast);
}
.ask-card:hover { border-color: var(--emerald-bright); box-shadow: 0 14px 30px -16px rgba(0, 170, 190, 0.6); transform: translateY(-2px); }
.ask-ic { flex: none; width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: #e6f7f9; color: var(--emerald); }
.ask-card b { display: block; font-size: 1rem; }
.ask-card small { display: block; color: var(--text-muted); font-size: 0.85rem; margin-top: 2px; }
@media (max-width: 768px) { .ask-grid { grid-template-columns: 1fr; } }

/* Team page: Who We Are story */
.who-section { padding: 72px 0 24px; }
.who-layout { display: grid; grid-template-columns: 1.3fr 1fr; gap: 56px; align-items: start; }
.who-text h2 { margin-bottom: 18px; }
.who-text h3 { font-size: 1.1rem; margin: 22px 0 8px; }
.who-text p { color: var(--text-muted); line-height: 1.75; margin-bottom: 14px; max-width: 620px; }
.who-pillars { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.who-pillar { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 20px; }
.who-pillar b { display: block; font-size: 1.05rem; margin-bottom: 6px; color: var(--ink); }
.who-pillar b::before { content: ''; display: block; width: 26px; height: 3px; border-radius: 2px; background: var(--emerald-bright); margin-bottom: 12px; }
.who-pillar span { color: var(--text-muted); font-size: 0.9rem; line-height: 1.55; }
@media (max-width: 900px) { .who-layout { grid-template-columns: 1fr; gap: 28px; } }

/* Loans menu: keep long program names on one line */
.nav-dropdown-menu { min-width: 240px; }
.nav-dropdown-menu a { white-space: nowrap; }

/* Trust message — hero line, "Why Families Trust Us" strip, footer tagline, loan-page promise */
.hero.hero-photo-bg .hero-trust,
.hero-trust {
  margin: 0 0 32px;
  max-width: 540px;
  padding-left: 14px;
  border-left: 3px solid var(--champagne);
  color: rgba(255, 255, 255, 0.92);
  font-size: 1rem;
  line-height: 1.6;
}
.promise-section { padding: 80px 0 24px; }
.promise-head { text-align: center; max-width: 820px; margin: 0 auto 36px; }
.promise-head h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); }
.promise-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.promise-card { background: var(--paper); border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 24px 22px; }
.promise-ic { width: 44px; height: 44px; border-radius: 12px; display: grid; place-items: center; background: #e6f7f9; color: var(--emerald); margin-bottom: 14px; }
.promise-card b { display: block; font-size: 1.02rem; color: var(--ink); margin-bottom: 6px; }
.promise-card p { color: var(--text-muted); font-size: 0.9rem; line-height: 1.55; margin: 0; }
.promise-card a { color: var(--emerald); text-decoration: underline; }
@media (max-width: 1024px) { .promise-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .promise-grid { grid-template-columns: 1fr; } }
.footer-trust { color: var(--ink) !important; font-weight: 700; margin-bottom: 8px; }
.promise-callout { border-left: 3px solid var(--emerald-bright); }
.hero-description:has(+ .hero-trust) { margin-bottom: 18px; }

/* Program card photos are links to the program guide */
a.program-photo { display: block; cursor: pointer; }

/* Loan programs: a card left alone on the last row becomes a wide card */
@media (min-width: 1025px) {
  .programs-grid > .program-card:last-child:nth-child(3n+1) {
    grid-column: 1 / -1;
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(0, 2fr);
    grid-template-rows: auto auto 1fr;
    column-gap: 36px;
    padding: 0 36px 0 0;
  }
  .programs-grid > .program-card:last-child:nth-child(3n+1) .program-photo {
    grid-column: 1; grid-row: 1 / -1;
    margin: 0; aspect-ratio: auto; height: 100%; min-height: 240px;
  }
  .programs-grid > .program-card:last-child:nth-child(3n+1) > :not(.program-photo):not(.program-badge) { grid-column: 2; }
  .programs-grid > .program-card:last-child:nth-child(3n+1) h3 { margin-top: 36px; }
  .programs-grid > .program-card:last-child:nth-child(3n+1) .btn-ghost { align-self: start; margin: 8px 0 32px; }
}

/* How It Works — animated tracker: the line draws left to right and each
   step lights up teal as the line reaches it (scripts.js adds .in-view) */
.process-steps::before { top: 27px; background: rgba(0, 170, 190, 0.16); }
.process-steps::after {
  content: '';
  position: absolute;
  top: 27px; left: 12.5%; right: 12.5%;
  height: 2px;
  background: linear-gradient(90deg, #008c9e, #00aabe);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform 2.4s linear 0.3s;
}
.process-steps.in-view::after { transform: scaleX(1); }
.process-step-number {
  background: var(--paper);
  border-color: rgba(0, 170, 190, 0.35);
  color: var(--emerald);
  transition: background 0.5s ease, color 0.5s ease, border-color 0.5s ease, box-shadow 0.5s ease;
}
.process-step:nth-child(1) { --step-delay: 0.3s; }
.process-step:nth-child(2) { --step-delay: 1.1s; }
.process-step:nth-child(3) { --step-delay: 1.9s; }
.process-step:nth-child(4) { --step-delay: 2.7s; }
.process-steps.in-view .process-step-number {
  background: #00a3b6;
  border-color: transparent;
  color: #fff;
  box-shadow: 0 10px 24px -8px rgba(0, 170, 190, 0.7);
  transition-delay: var(--step-delay);
  animation: step-pop 1.2s cubic-bezier(0.34, 1.4, 0.64, 1) var(--step-delay) both;
}
.process-steps.in-view .process-step-number::after {
  border-color: rgba(0, 170, 190, 0.35);
  animation: step-ring 1.8s ease-out var(--step-delay) both;
}
.process-steps.in-view .process-step:last-child .process-step-number::after {
  animation: step-ring 1.8s ease-out var(--step-delay) both, step-glow 2.6s ease-in-out calc(var(--step-delay) + 1.2s) infinite;
}
@keyframes step-pop { 0% { transform: scale(1); } 45% { transform: scale(1.18); } 100% { transform: scale(1); } }
@keyframes step-ring { 0% { transform: scale(0.8); opacity: 0; } 50% { opacity: 1; } 100% { transform: scale(1.25); opacity: 0.5; } }
@keyframes step-glow { 0%, 100% { transform: scale(1.1); opacity: 0.25; } 50% { transform: scale(1.35); opacity: 0.6; } }
@media (max-width: 1024px) { .process-steps::after { display: none; } }
@media (prefers-reduced-motion: reduce) {
  .process-steps::after { transition: none; }
  .process-steps.in-view .process-step-number,
  .process-steps.in-view .process-step-number::after { animation: none; transition: none; }
}
/* Confetti burst around the "Close" step */
.confetti-layer { position: absolute; left: 50%; top: 50%; width: 0; height: 0; pointer-events: none; z-index: 3; }
.confetti-bit { position: absolute; left: 0; top: 0; border-radius: 2px; will-change: transform, opacity; }
/* Tracker reset between loops: snap back instantly instead of animating in reverse */
.process-steps.no-anim::after,
.process-steps.no-anim .process-step-number,
.process-steps.no-anim .process-step-number::after { transition: none !important; animation: none !important; }

/* Stats strip with three figures */
.stats-grid.stats-grid-3 { grid-template-columns: repeat(3, 1fr); max-width: 980px; margin: 0 auto; }
@media (max-width: 768px) { .stats-grid.stats-grid-3 { grid-template-columns: 1fr; } }

/* ============================================
   Card motion — one design language for every content card (assets/cards.js)
   ============================================ */
.ui-card {
  transition:
    opacity 0.8s cubic-bezier(0.22, 1, 0.36, 1) var(--ui-delay, 0s),
    transform 0.55s cubic-bezier(0.22, 1, 0.36, 1) var(--ui-delay, 0s),
    box-shadow 0.45s ease, border-color 0.3s ease, background-color 0.3s ease;
}
html.cards-anim .ui-card:not(.ui-in) { opacity: 0; transform: translateY(28px); }
.ui-card:hover {
  transform: translateY(-6px);
  border-color: rgba(0, 170, 190, 0.45);
  box-shadow: 0 24px 46px -24px rgba(0, 170, 190, 0.55), 0 6px 14px -8px rgba(16, 41, 67, 0.14);
}
/* icon wells tilt and fill teal on hover */
.promise-ic, .ask-ic, .program-icon { transition: transform 0.45s cubic-bezier(0.34, 1.56, 0.64, 1), background-color 0.3s ease, color 0.3s ease; }
.ui-card:hover .promise-ic,
.ui-card:hover .ask-ic,
.ui-card:hover .program-icon { transform: scale(1.1) rotate(-6deg); background-color: var(--emerald-bright); color: #fff; }
/* small accents that also respond */
.who-pillar b::before { transition: width 0.45s cubic-bezier(0.22, 1, 0.36, 1); }
.ui-card.who-pillar:hover b::before { width: 46px; }
.ui-card:hover .btn-ghost svg, .ui-card:hover .people-arrow { transform: translateX(4px); }
.btn-ghost svg { transition: transform 0.3s ease; }
@media (prefers-reduced-motion: reduce) {
  .ui-card, .ui-card:hover { transition: none; transform: none; }
  .ui-card:hover .promise-ic, .ui-card:hover .ask-ic, .ui-card:hover .program-icon { transform: none; }
}

/* Non-QM scenario cards link to their program guides (whole card clickable) */
.nonqm-scenario-card.has-link { position: relative; cursor: pointer; }
.scenario-link { position: absolute; inset: 0; z-index: 2; border-radius: inherit; }
.scenario-link:focus-visible { outline: 3px solid var(--emerald-bright); outline-offset: 3px; }
.scenario-arrow { display: inline-block; color: var(--emerald); margin-left: 4px; transition: transform 0.3s ease; }
.ui-card:hover .scenario-arrow { transform: translateX(4px); }
/* Non-QM "who it's for" rows that link to a guide */
a.nonqm-who-item.is-link { color: inherit; border-radius: var(--radius-md); margin: -6px -10px; padding: 6px 10px; transition: background-color 0.3s ease; }
a.nonqm-who-item.is-link:hover { background-color: rgba(0, 170, 190, 0.06); }
a.nonqm-who-item.is-link:hover strong { color: var(--emerald); }
.nonqm-who-icon { transition: transform 0.45s cubic-bezier(0.34, 1.56, 0.64, 1), background-color 0.3s ease; }
a.nonqm-who-item.is-link:hover .nonqm-who-icon { transform: scale(1.08) rotate(-6deg); background-color: rgba(0, 170, 190, 0.18); }
a.nonqm-who-item.is-link:hover .scenario-arrow { transform: translateX(4px); }

/* Loan programs on desktop: 6-column track so a last row of two cards splits the row in half */
@media (min-width: 1025px) {
  .programs-grid { grid-template-columns: repeat(6, 1fr); }
  .programs-grid > .program-card { grid-column: span 2; }
  .programs-grid > .program-card:last-child:nth-child(3n+2),
  .programs-grid > .program-card:nth-last-child(2):nth-child(3n+1) { grid-column: span 3; }
  .programs-grid > .program-card:last-child:nth-child(3n+1) { grid-column: 1 / -1; }
}

/* Why United Trust: intro + office photo, cards in a row below */
.why-intro { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.25fr); gap: 56px; align-items: center; }
.why-photo {
  position: relative; margin: 0;
  border-radius: 24px; overflow: hidden;
  aspect-ratio: 16 / 10;
  box-shadow: 0 34px 70px -30px rgba(16, 41, 67, 0.55);
}
.why-photo img { width: 100%; height: 100%; object-fit: cover; display: block; transition: transform 1.6s cubic-bezier(0.22, 1, 0.36, 1); }
.why-photo:hover img { transform: scale(1.04); }
.why-badge {
  position: absolute; left: 20px; bottom: 20px;
  display: flex; flex-direction: column; gap: 2px;
  padding: 14px 18px; border-radius: 14px;
  background: rgba(255, 255, 255, 0.92); backdrop-filter: blur(10px);
  box-shadow: 0 14px 30px -14px rgba(16, 41, 67, 0.45);
}
.why-badge b { font-size: 1.5rem; font-weight: 800; color: var(--ink); line-height: 1.1; }
.why-badge span { font-size: 0.78rem; color: var(--text-muted); letter-spacing: 0.02em; }
@media (min-width: 1025px) { .why-grid { grid-template-columns: repeat(4, 1fr); } }
@media (max-width: 900px) {
  .why-intro { grid-template-columns: 1fr; gap: 28px; }
}
@media (prefers-reduced-motion: reduce) { .why-photo:hover img { transform: none; } }
@media (min-width: 1025px) {
  .why-grid .why-card { padding: 30px 26px; }
  .why-grid .why-card-number { position: static; display: block; font-size: 2.2rem; line-height: 1; margin-bottom: 14px; }
}
.why-photo img { object-position: 72% 50%; }