:root {
  --navy-950: #061c32;
  --navy-900: #092f57;
  --navy-800: #104a80;
  --blue-600: #1768ac;
  --blue-100: #e8f3fb;
  --green-700: #177b32;
  --green-600: #249543;
  --green-100: #e8f6ec;
  --teal-700: #12665f;
  --teal-100: #dff3ef;
  --gold-600: #b9822f;
  --gold-400: #e0b66f;
  --gold-100: #f8edda;
  --ink: #102235;
  --muted: #5d6c7a;
  --line: #dbe4ea;
  --paper: #ffffff;
  --cloud: #f4f7f9;
  --shadow: 0 20px 60px rgba(6, 28, 50, .12);
  --radius-lg: 28px;
  --radius-md: 18px;
  --shell: min(1180px, calc(100% - 40px));
}
body[data-mode="loans"] { --green-700: #9b6b25; --green-600: #bd8734; --green-100: #f8edda; }

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 104px; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; font-size: 16px; line-height: 1.6; }
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
:focus-visible { outline: 3px solid #f6c453; outline-offset: 3px; }
[hidden] { display: none !important; }
.shell { width: var(--shell); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.skip-link { position: fixed; top: 10px; left: 10px; z-index: 999; padding: 10px 14px; border-radius: 8px; background: white; color: var(--navy-950); transform: translateY(-160%); }
.skip-link:focus { transform: translateY(0); }

.license-bar { color: #eaf3fa; background: var(--navy-950); font-size: .78rem; letter-spacing: .025em; }
.license-bar__inner { min-height: 34px; display: flex; align-items: center; justify-content: center; gap: 12px; }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.94); backdrop-filter: blur(16px); border-bottom: 1px solid rgba(9,47,87,.08); }
.header-inner { min-height: 78px; display: grid; grid-template-columns: auto 1fr auto; align-items: center; gap: 28px; }
.brand img { width: 150px; height: 64px; object-fit: contain; }
.primary-nav { display: flex; justify-content: center; align-items: center; gap: 26px; }
.primary-nav a { text-decoration: none; font-weight: 650; font-size: .94rem; color: #31465a; }
.primary-nav a:hover { color: var(--blue-600); }
.nav-toggle { display: none; width: 44px; height: 44px; padding: 10px; border: 0; background: transparent; }
.nav-toggle span:not(.sr-only) { display: block; height: 2px; margin: 5px 0; background: var(--navy-900); }

.button { min-height: 50px; display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 12px 20px; border: 1px solid transparent; border-radius: 999px; text-decoration: none; font-weight: 750; cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease; }
.button:hover { transform: translateY(-2px); }
.button--compact { min-height: 42px; padding: 9px 16px; font-size: .9rem; }
.button--primary { color: white; background: linear-gradient(135deg, var(--green-600), var(--green-700)); box-shadow: 0 12px 28px rgba(23,123,50,.25); }
.button--dark { color: white; background: var(--navy-900); }
.button--glass { color: white; background: rgba(255,255,255,.12); border-color: rgba(255,255,255,.4); backdrop-filter: blur(8px); }
.button--outline { color: var(--navy-900); background: white; border-color: #b8cad8; }
.button--full { width: 100%; }

.hero { position: relative; isolation: isolate; min-height: 720px; overflow: hidden; color: white; background: var(--navy-950); }
.hero-media, .hero-shade { position: absolute; inset: 0; z-index: -2; }
.hero-media img, .hero-media video { width: 100%; height: 100%; object-fit: cover; object-position: center; }
.hero-shade { z-index: -1; background: linear-gradient(90deg, rgba(3,20,36,.96) 0%, rgba(3,20,36,.88) 45%, rgba(3,20,36,.44) 78%, rgba(3,20,36,.30) 100%); }
.hero-inner { min-height: 720px; display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(320px, .75fr); align-items: center; gap: 72px; padding-block: 76px; }
.eyebrow { margin: 0 0 14px; color: #bce1c3; font-size: .78rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; }
.eyebrow--blue { color: var(--blue-600); }
.eyebrow--gold { color: var(--gold-600); }
.hero h1 { max-width: 760px; margin: 0; font-family: Georgia, "Times New Roman", serif; font-size: clamp(3rem, 6.2vw, 5.6rem); font-weight: 500; line-height: .98; letter-spacing: -.045em; }
.hero-lede { max-width: 670px; margin: 22px 0 0; color: #e7eff5; font-size: clamp(1.05rem, 1.8vw, 1.28rem); }
.mode-switch { width: fit-content; display: flex; gap: 4px; margin-top: 30px; padding: 5px; border: 1px solid rgba(255,255,255,.25); border-radius: 999px; background: rgba(4,29,51,.68); }
.mode-button { min-height: 46px; display: inline-flex; align-items: center; gap: 8px; padding: 9px 18px; border: 0; border-radius: 999px; color: #cfe0ed; background: transparent; font-weight: 750; cursor: pointer; }
.mode-button.is-active { color: var(--navy-950); background: white; box-shadow: 0 6px 18px rgba(0,0,0,.16); }
.mode-icon { width: 25px; height: 25px; display: inline-grid; place-items: center; border-radius: 50%; background: rgba(23,149,67,.12); font-weight: 900; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px; }
.hero-note { margin: 14px 0 0; color: #b9c8d4; font-size: .78rem; }

.quick-card { padding: 28px; border: 1px solid rgba(255,255,255,.25); border-radius: var(--radius-lg); background: rgba(255,255,255,.94); color: var(--ink); box-shadow: var(--shadow); backdrop-filter: blur(18px); }
.quick-card__label { width: fit-content; margin: 0 0 14px; padding: 5px 10px; border-radius: 999px; background: var(--green-100); color: var(--green-700); font-size: .72rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.quick-card h2 { margin: 0 0 14px; color: var(--navy-950); font-size: 1.45rem; line-height: 1.25; }
.quick-links { display: grid; }
.quick-links a { display: flex; align-items: center; justify-content: space-between; padding: 15px 2px; border-bottom: 1px solid var(--line); text-decoration: none; font-weight: 700; }
.quick-links a:hover { color: var(--blue-600); }
.quick-card__contact { display: flex; align-items: baseline; justify-content: space-between; gap: 12px; margin-top: 20px; color: var(--muted); font-size: .85rem; }
.quick-card__contact a { color: var(--navy-900); font-size: 1.05rem; font-weight: 850; text-decoration: none; }

.trust-strip { position: relative; z-index: 3; margin-top: -1px; background: white; border-bottom: 1px solid var(--line); }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-grid > div { min-height: 110px; display: flex; flex-direction: column; justify-content: center; padding: 22px 24px; border-right: 1px solid var(--line); }
.trust-grid > div:first-child { border-left: 1px solid var(--line); }
.trust-grid strong { color: var(--navy-900); font-size: .96rem; }
.trust-grid span { color: var(--muted); font-size: .82rem; }

.market-ribbon { overflow: hidden; background: linear-gradient(90deg, var(--navy-900), var(--teal-700)); color: white; }
.market-ribbon__inner { min-height: 58px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.market-ribbon span { position: relative; font-size: .8rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; white-space: nowrap; }
.market-ribbon span:not(:last-child)::after { content: ""; position: absolute; right: -18px; top: 50%; width: 4px; height: 4px; border-radius: 50%; background: var(--gold-400); }

.section { padding-block: 108px; }
.section-heading { max-width: 780px; margin: 0 auto 46px; text-align: center; }
.section-heading--left { margin-inline: 0; text-align: left; }
.section-heading h2, .calculator-intro h2, .about-copy h2, .contact-copy h2 { margin: 0; color: var(--navy-950); font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.25rem, 4.3vw, 4rem); font-weight: 500; line-height: 1.04; letter-spacing: -.035em; }
.section-heading > p:last-child, .calculator-intro > p, .about-copy > p, .contact-copy > p { color: var(--muted); font-size: 1.04rem; }
.service-panels { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 24px; }
.service-panel { position: relative; overflow: hidden; min-height: 520px; display: flex; flex-direction: column; padding: 38px; border: 1px solid var(--line); border-radius: var(--radius-lg); background: white; box-shadow: 0 10px 38px rgba(6,28,50,.07); transition: transform .2s ease, border-color .2s ease; }
.service-panel::after { content: ""; position: absolute; width: 240px; height: 240px; right: -100px; top: -100px; border-radius: 50%; opacity: .65; }
.service-panel--property::after { background: var(--blue-100); }
.service-panel--loan::after { background: var(--green-100); }
.service-panel.is-emphasized { transform: translateY(-8px); border-color: var(--blue-600); }
.service-panel--loan.is-emphasized { border-color: var(--green-600); }
.service-photo { width: calc(100% + 76px); max-width: none; height: 220px; margin: -38px -38px 32px; object-fit: cover; }
.service-panel__top { position: relative; z-index: 1; display: flex; align-items: center; justify-content: space-between; }
.service-kicker { color: var(--blue-600); font-size: .78rem; font-weight: 850; letter-spacing: .12em; text-transform: uppercase; }
.service-panel--loan .service-kicker { color: var(--green-700); }
.service-symbol { width: 48px; height: 48px; display: grid; place-items: center; border-radius: 50%; background: var(--blue-100); color: var(--navy-900); font-size: 1.4rem; font-weight: 900; }
.service-panel--loan .service-symbol { background: var(--green-100); color: var(--green-700); }
.service-panel h3 { max-width: 480px; margin: 36px 0 12px; color: var(--navy-950); font-size: 2rem; line-height: 1.12; }
.service-panel > p { color: var(--muted); }
.check-list { display: grid; gap: 10px; margin: 18px 0 30px; padding: 0; list-style: none; }
.check-list li { position: relative; padding-left: 28px; }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--green-700); font-weight: 900; }
.card-actions { margin-top: auto; display: flex; flex-wrap: wrap; gap: 22px; }
.text-link { color: var(--blue-600); font-weight: 800; text-decoration-thickness: 1px; text-underline-offset: 4px; }
.text-link--muted { color: #536b7e; }

.process { background: var(--cloud); }
.process-layout { display: grid; grid-template-columns: minmax(0,.8fr) minmax(0,1.2fr); gap: 86px; align-items: start; }
.process .section-heading p:not(.eyebrow) { margin-bottom: 28px; }
.steps { display: grid; gap: 0; margin: 0; padding: 0; list-style: none; counter-reset: steps; }
.steps li { position: relative; display: grid; grid-template-columns: 70px 1fr; gap: 22px; padding: 0 0 36px; }
.steps li:not(:last-child)::before { content: ""; position: absolute; left: 34px; top: 55px; bottom: 4px; width: 1px; background: #bfd0db; }
.steps li > span { width: 70px; height: 52px; display: grid; place-items: center; border: 1px solid #bfd0db; border-radius: 14px; color: var(--blue-600); background: white; font-weight: 850; }
.steps h3 { margin: 0 0 4px; color: var(--navy-950); font-size: 1.25rem; }
.steps p { margin: 0; color: var(--muted); }

.loan-roadmap { position: relative; overflow: hidden; background: linear-gradient(145deg, #fbf6ed 0%, #fff 54%, #eef7f5 100%); }
.loan-roadmap::before { content: ""; position: absolute; inset: 0; pointer-events: none; background-image: radial-gradient(circle at 1px 1px, rgba(9,47,87,.12) 1px, transparent 0); background-size: 28px 28px; mask-image: linear-gradient(to bottom, transparent, #000 25%, #000 75%, transparent); }
.roadmap-grid { position: relative; display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 16px; margin: 0; padding: 0; list-style: none; }
.roadmap-grid li { min-height: 230px; padding: 28px; border: 1px solid rgba(9,47,87,.12); border-radius: 20px; background: rgba(255,255,255,.86); box-shadow: 0 14px 36px rgba(6,28,50,.06); backdrop-filter: blur(8px); }
.roadmap-grid li > span { display: inline-grid; place-items: center; width: 42px; height: 42px; border-radius: 12px; color: white; background: linear-gradient(135deg,var(--navy-800),var(--teal-700)); font-weight: 900; }
.roadmap-grid h3 { margin: 26px 0 8px; color: var(--navy-950); font-size: 1.14rem; }
.roadmap-grid p { margin: 0; color: var(--muted); font-size: .92rem; }

.calculator-section { background: var(--navy-900); color: white; }
.calculator-layout { display: grid; grid-template-columns: minmax(0,.8fr) minmax(0,1.2fr); gap: 76px; align-items: center; }
.calculator-intro h2 { color: white; }
.calculator-intro > p { color: #c8d8e4; }
.calculator-tip { display: grid; grid-template-columns: auto 1fr; gap: 14px; margin-top: 26px; padding: 18px; border: 1px solid rgba(255,255,255,.16); border-radius: var(--radius-md); background: rgba(255,255,255,.07); }
.calculator-tip strong { color: #bde2c4; }
.calculator-tip span { color: #dce8f0; font-size: .9rem; }
.calculator-card { padding: 34px; border-radius: var(--radius-lg); background: white; color: var(--ink); box-shadow: 0 24px 70px rgba(0,0,0,.25); }
.field-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 18px; }
.calculator-card label, .contact-form label { display: grid; gap: 7px; color: #3a4c5d; font-size: .86rem; font-weight: 700; }
input, select, textarea { width: 100%; min-height: 49px; padding: 11px 13px; border: 1px solid #bdcbd5; border-radius: 10px; color: var(--ink); background: white; }
textarea { min-height: 120px; resize: vertical; }
input:focus, select:focus, textarea:focus { border-color: var(--blue-600); outline: 3px solid rgba(23,104,172,.13); }
.input-prefix, .input-suffix { display: grid; grid-template-columns: auto 1fr; align-items: center; border: 1px solid #bdcbd5; border-radius: 10px; overflow: hidden; }
.input-suffix { grid-template-columns: 1fr auto; }
.input-prefix:focus-within, .input-suffix:focus-within { border-color: var(--blue-600); outline: 3px solid rgba(23,104,172,.13); }
.input-prefix > span, .input-suffix > span { padding: 0 12px; color: #71808d; font-weight: 800; }
.input-prefix input, .input-suffix input { border: 0; border-radius: 0; outline: 0; }
.calc-result { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin: 28px 0 14px; padding: 24px; border-radius: var(--radius-md); background: var(--blue-100); }
.calc-result > div:first-child { display: flex; flex-direction: column; }
.calc-result span { color: #4a6275; font-size: .8rem; }
.calc-result > div > strong { color: var(--navy-900); font-size: 2.35rem; line-height: 1.1; }
.calc-result small { color: var(--muted); }
.calc-breakdown { display: grid; align-content: center; gap: 6px; }
.calc-breakdown p { display: flex; justify-content: space-between; gap: 12px; margin: 0; padding: 7px 0; border-bottom: 1px solid #ccdde8; }
.calc-breakdown strong { color: var(--navy-950); }
.fine-print { color: var(--muted); font-size: .75rem; line-height: 1.5; }

.news-section { background: #f7f9fb; }
.news-heading { display: flex; align-items: end; justify-content: space-between; gap: 36px; margin-bottom: 38px; }
.news-heading h2, .secure-apply h2 { margin: 0; color: var(--navy-950); font-family: Georgia, "Times New Roman", serif; font-size: clamp(2.25rem,4.3vw,4rem); font-weight: 500; line-height: 1.04; letter-spacing: -.035em; }
.news-heading p:not(.eyebrow) { color: var(--muted); }
.news-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 18px; }
.news-card { min-height: 310px; display: flex; flex-direction: column; padding: 28px; border: 1px solid var(--line); border-radius: 20px; background: white; box-shadow: 0 12px 34px rgba(6,28,50,.06); }
.news-source { width: fit-content; padding: 5px 10px; border-radius: 999px; color: var(--teal-700); background: var(--teal-100); font-size: .72rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.news-card h3 { margin: 30px 0 10px; color: var(--navy-950); font-size: 1.45rem; line-height: 1.2; }
.news-card p { color: var(--muted); }
.news-card a { margin-top: auto; color: var(--blue-600); font-weight: 800; text-underline-offset: 4px; }
.news-disclaimer { margin: 22px 0 0; color: #6d7d8b; font-size: .78rem; }

.secure-apply { color: white; background: radial-gradient(circle at 15% 20%, rgba(35,122,112,.55), transparent 32%), linear-gradient(135deg,var(--navy-950),#0c3e68 70%,#135e70); }
.secure-apply__grid { display: grid; grid-template-columns: minmax(0,1.15fr) minmax(320px,.85fr); gap: 72px; align-items: center; }
.secure-apply h2 { color: white; }
.secure-apply__copy > p:not(.eyebrow) { color: #d0e0ea; }
.secure-badges { display: flex; flex-wrap: wrap; gap: 9px; margin: 24px 0 28px; }
.secure-badges span { padding: 7px 12px; border: 1px solid rgba(255,255,255,.28); border-radius: 999px; color: #ecf6f8; background: rgba(255,255,255,.07); font-size: .8rem; font-weight: 750; }
.secure-visual { border: 1px solid rgba(255,255,255,.3); border-radius: 24px; background: rgba(255,255,255,.96); box-shadow: 0 26px 70px rgba(0,0,0,.28); transform: rotate(2deg); overflow: hidden; }
.secure-visual__top { display: flex; gap: 7px; padding: 16px 18px; border-bottom: 1px solid var(--line); background: #eef4f6; }
.secure-visual__top span { width: 9px; height: 9px; border-radius: 50%; background: #9cb0bd; }
.secure-visual__body { min-height: 330px; display: flex; flex-direction: column; align-items: center; justify-content: center; padding: 34px; text-align: center; }
.shield-mark { width: 72px; height: 72px; display: grid; place-items: center; border-radius: 22px 22px 32px 32px; color: white; background: linear-gradient(135deg,var(--teal-700),var(--green-600)); font-size: 2rem; font-weight: 900; }
.secure-visual strong { margin-top: 22px; color: var(--navy-950); font-size: 1.22rem; }
.secure-visual small { color: var(--muted); }
.progress-bars { width: 100%; display: grid; gap: 10px; margin-top: 26px; }
.progress-bars i { height: 10px; border-radius: 999px; background: linear-gradient(90deg,var(--gold-400) 68%,#e6edf1 68%); }
.progress-bars i:nth-child(2) { background: linear-gradient(90deg,var(--teal-700) 84%,#e6edf1 84%); }
.progress-bars i:nth-child(3) { background: linear-gradient(90deg,var(--blue-600) 44%,#e6edf1 44%); }

.about-layout { display: grid; grid-template-columns: minmax(330px,.8fr) minmax(0,1.2fr); gap: 78px; align-items: center; }
.portrait-wrap { position: relative; }
.portrait-wrap > img { width: 100%; aspect-ratio: 1 / .98; object-fit: cover; object-position: center 15%; border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.portrait-badge { position: absolute; right: -18px; bottom: 24px; min-width: 155px; padding: 16px 20px; border-radius: 14px; color: white; background: var(--navy-900); box-shadow: 0 16px 30px rgba(6,28,50,.25); }
.portrait-badge strong, .portrait-badge span { display: block; }
.portrait-badge strong { font-size: 1.2rem; }
.portrait-badge span { color: #cbdbe7; font-size: .78rem; }
.credential-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 12px; margin: 28px 0; }
.credential-grid > div { padding: 16px; border: 1px solid var(--line); border-radius: 12px; background: var(--cloud); }
.credential-grid span, .credential-grid strong { display: block; }
.credential-grid span { color: var(--muted); font-size: .78rem; }
.credential-grid strong { color: var(--navy-900); }
.inline-actions { display: flex; gap: 12px; flex-wrap: wrap; }

.faq { background: var(--cloud); }
.faq-layout { display: grid; grid-template-columns: minmax(0,.7fr) minmax(0,1.3fr); gap: 70px; align-items: start; }
.accordion details { border-bottom: 1px solid #cad7df; }
.accordion summary { position: relative; padding: 22px 46px 22px 0; color: var(--navy-950); font-weight: 800; cursor: pointer; list-style: none; }
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary::after { content: "+"; position: absolute; right: 8px; top: 16px; color: var(--blue-600); font-size: 1.8rem; font-weight: 400; }
.accordion details[open] summary::after { content: "−"; }
.accordion details p { margin: -6px 36px 22px 0; color: var(--muted); }

.contact { color: white; background: var(--navy-950); }
.contact-layout { display: grid; grid-template-columns: minmax(0,.72fr) minmax(0,1.28fr); gap: 78px; align-items: start; }
.contact-copy h2 { color: white; }
.contact-copy > p { color: #c8d8e4; }
.contact-list { display: grid; gap: 4px; margin-top: 30px; }
.contact-list a, .contact-list > div { display: grid; gap: 2px; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.14); text-decoration: none; }
.contact-list span { color: #9db2c1; font-size: .78rem; text-transform: uppercase; letter-spacing: .09em; }
.contact-list strong { color: white; }
.map-frame { margin-top: 26px; overflow: hidden; border: 1px solid rgba(255,255,255,.18); border-radius: 16px; background: rgba(255,255,255,.06); }
.map-frame iframe { display: block; width: 100%; height: 220px; border: 0; }
.contact-form { padding: 34px; border-radius: var(--radius-lg); color: var(--ink); background: white; }
.contact-form > label { margin-top: 18px; }
.consent-row { grid-template-columns: 20px 1fr !important; align-items: start; font-weight: 500 !important; }
.consent-row input { width: 18px; min-height: 18px; margin-top: 2px; }
.honeypot { position: absolute !important; left: -9999px !important; opacity: 0 !important; }
.form-status { margin-bottom: 20px; padding: 12px 14px; border-radius: 10px; font-weight: 700; }
.form-status--success { color: #0c6426; background: #e2f6e8; }
.form-status--error { color: #922929; background: #fde9e9; }

.site-footer { padding: 64px 0 110px; color: #c6d4de; background: #041524; }
.footer-main { display: grid; grid-template-columns: 1.35fr repeat(3,1fr); gap: 48px; }
.footer-brand img { width: 165px; height: 88px; object-fit: contain; padding: 5px; border-radius: 8px; background: white; }
.footer-brand p { color: #a9bdcb; }
.footer-main h2 { margin: 0 0 14px; color: white; font-size: .82rem; letter-spacing: .1em; text-transform: uppercase; }
.footer-main > div:not(.footer-brand) { display: flex; flex-direction: column; gap: 9px; }
.footer-main a { color: #c6d4de; font-size: .9rem; text-decoration: none; }
.footer-main a:hover { color: white; }
.compliance-links { display: flex; flex-wrap: wrap; gap: 12px 26px; margin-top: 36px; padding: 22px 0; border-top: 1px solid rgba(255,255,255,.12); border-bottom: 1px solid rgba(255,255,255,.12); }
.compliance-links a { color: white; font-size: .82rem; font-weight: 750; text-underline-offset: 3px; }
.footer-legal { margin-top: 46px; padding-top: 26px; border-top: 1px solid rgba(255,255,255,.12); }
.footer-legal p { max-width: 980px; color: #91a7b7; font-size: .75rem; }
.mobile-dock { display: none; }

.legal-page { background: var(--cloud); }
.legal-hero { padding: 84px 0 48px; color: white; background: var(--navy-900); }
.legal-hero h1 { margin: 0; font-family: Georgia, serif; font-size: clamp(2.6rem,5vw,4.5rem); font-weight: 500; }
.legal-content { max-width: 900px; margin: 0 auto; padding: 70px 20px 100px; }
.legal-content h2 { margin-top: 36px; color: var(--navy-900); }
.legal-content p, .legal-content li { color: #465b6d; }
.legal-content a { color: var(--blue-600); }

.portal-plan-page { background: #f7fafb; }
.portal-hero { position: relative; overflow: hidden; padding: 96px 0 86px; color: white; background: radial-gradient(circle at 85% 12%, rgba(201,154,76,.34), transparent 26%), radial-gradient(circle at 12% 92%, rgba(35,122,112,.36), transparent 28%), linear-gradient(135deg,var(--navy-950),#0b3b63 72%,#15586b); }
.portal-hero::after { content: ""; position: absolute; inset: 0; opacity: .14; pointer-events: none; background-image: radial-gradient(circle at 1px 1px,#fff 1px,transparent 0); background-size: 26px 26px; }
.portal-hero__grid { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0,1.1fr) minmax(340px,.9fr); gap: 76px; align-items: center; }
.portal-hero h1 { max-width: 760px; margin: 0; font-family: Georgia,"Times New Roman",serif; font-size: clamp(3rem,6vw,5.9rem); font-weight: 500; line-height: .98; letter-spacing: -.045em; }
.portal-lead { max-width: 720px; color: #d7e5ec; font-size: 1.12rem; }
.portal-alert { max-width: 760px; margin: 26px 0; padding: 16px 18px; border: 1px solid rgba(255,255,255,.22); border-left: 4px solid var(--gold-400); border-radius: 12px; color: #edf5f8; background: rgba(2,18,32,.34); font-size: .9rem; }
.portal-dashboard { overflow: hidden; border: 1px solid rgba(255,255,255,.34); border-radius: 24px; background: white; box-shadow: 0 30px 80px rgba(0,0,0,.32); transform: rotate(1.5deg); }
.portal-dashboard__bar { display: flex; align-items: center; gap: 7px; padding: 15px 18px; color: var(--muted); background: #edf3f6; }
.portal-dashboard__bar > span { width: 9px; height: 9px; border-radius: 50%; background: #98aab5; }
.portal-dashboard__bar small { margin-left: auto; }
.portal-dashboard__body { padding: 34px; color: var(--ink); }
.portal-lock { width: 58px; height: 58px; display: grid; place-items: center; border-radius: 18px 18px 25px 25px; color: white; background: linear-gradient(135deg,var(--teal-700),var(--green-600)); font-size: 1.5rem; font-weight: 900; }
.portal-dashboard__body > p { margin: 24px 0 2px; color: var(--muted); font-size: .82rem; }
.portal-dashboard__body > strong { color: var(--navy-950); font-size: 1.6rem; }
.portal-progress { height: 10px; margin: 12px 0 26px; overflow: hidden; border-radius: 999px; background: #e5edf1; }
.portal-progress i { display: block; width: 75%; height: 100%; background: linear-gradient(90deg,var(--teal-700),var(--gold-400)); }
.portal-dashboard ul { display: grid; gap: 8px; margin: 0; padding: 0; list-style: none; }
.portal-dashboard li { display: flex; justify-content: space-between; gap: 14px; padding: 12px 0; border-bottom: 1px solid var(--line); color: #466071; font-size: .84rem; }
.portal-dashboard li b { color: var(--teal-700); }
.portal-card-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 17px; }
.portal-card-grid article { min-height: 240px; padding: 28px; border: 1px solid var(--line); border-radius: 20px; background: white; box-shadow: 0 12px 34px rgba(6,28,50,.06); }
.portal-card-grid article > span { display: inline-grid; place-items: center; width: 42px; height: 42px; border-radius: 13px; color: white; background: linear-gradient(135deg,var(--navy-800),var(--teal-700)); font-weight: 900; }
.portal-card-grid h3 { margin: 26px 0 8px; color: var(--navy-950); font-size: 1.16rem; }
.portal-card-grid p { color: var(--muted); font-size: .9rem; }
.portal-documents { color: white; background: linear-gradient(135deg,#102f49,var(--navy-950)); }
.portal-documents__grid { display: grid; grid-template-columns: minmax(0,.8fr) minmax(0,1.2fr); gap: 78px; align-items: center; }
.portal-documents h2,.portal-security h2,.portal-cta h2 { margin: 0; font-family: Georgia,"Times New Roman",serif; font-size: clamp(2.4rem,4.7vw,4.4rem); font-weight: 500; line-height: 1.03; letter-spacing: -.035em; }
.portal-documents__grid > div:first-child > p:not(.eyebrow) { color: #bed0dc; }
.portal-documents .text-link { color: #fff; }
.document-list { display: grid; gap: 12px; }
.document-list > div { display: grid; grid-template-columns: 58px 1fr; gap: 16px; align-items: center; padding: 17px; border: 1px solid rgba(255,255,255,.16); border-radius: 15px; background: rgba(255,255,255,.07); }
.document-list > div > span { width: 50px; height: 50px; display: grid; place-items: center; border-radius: 13px; color: var(--navy-950); background: var(--gold-400); font-weight: 900; }
.document-list p,.document-list strong,.document-list small { display: block; margin: 0; }
.document-list small { margin-top: 3px; color: #bcd0dc; }
.portal-security { background: #eef6f4; }
.security-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 14px; }
.security-grid > div { display: grid; gap: 7px; min-height: 150px; align-content: center; padding: 25px; border: 1px solid rgba(35,122,112,.2); border-radius: 18px; background: rgba(255,255,255,.78); }
.security-grid strong { color: var(--navy-950); font-size: 1.25rem; }
.security-grid span { color: var(--muted); }
.portal-cta { padding: 70px 0; color: white; background: #0a2235; }
.portal-cta .shell { display: flex; justify-content: space-between; gap: 50px; align-items: center; }
.portal-cta p:not(.eyebrow) { max-width: 720px; color: #bdd0dc; }

.reveal { opacity: 0; transform: translateY(18px); transition: opacity .65s ease, transform .65s ease; }
.reveal.is-visible { opacity: 1; transform: none; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .reveal { opacity: 1; transform: none; }
  .hero-media video { display: none; }
  .hero-media { background: url('../images/hero-frisco-2026.webp') center/cover no-repeat; }
}

@media (max-width: 980px) {
  .header-inner { grid-template-columns: auto auto; justify-content: space-between; }
  .nav-toggle { display: block; }
  .primary-nav { position: absolute; left: 20px; right: 20px; top: 84px; display: none; padding: 18px; border: 1px solid var(--line); border-radius: 16px; background: white; box-shadow: var(--shadow); }
  .primary-nav.is-open { display: grid; }
  .primary-nav a { padding: 9px; }
  .header-cta { display: none; }
  .hero-inner { grid-template-columns: 1fr; gap: 32px; }
  .quick-card { max-width: 560px; }
  .trust-grid { grid-template-columns: repeat(2,1fr); }
  .trust-grid > div:nth-child(3) { border-left: 1px solid var(--line); }
  .service-panels, .calculator-layout, .about-layout { gap: 36px; }
  .process-layout, .calculator-layout, .faq-layout, .contact-layout, .secure-apply__grid { grid-template-columns: 1fr; }
  .roadmap-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .news-heading { align-items: start; flex-direction: column; }
  .calculator-intro, .contact-copy { max-width: 720px; }
  .footer-main { grid-template-columns: repeat(2,1fr); }
  .portal-hero__grid,.portal-documents__grid { grid-template-columns: 1fr; }
  .portal-dashboard { max-width: 620px; transform: none; }
  .portal-card-grid,.security-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
}

@media (max-width: 740px) {
  :root { --shell: min(100% - 28px, 1180px); }
  body { padding-bottom: 64px; }
  .license-bar__inner { justify-content: flex-start; overflow-x: auto; white-space: nowrap; scrollbar-width: none; }
  .license-bar__inner::-webkit-scrollbar { display: none; }
  .header-inner { min-height: 70px; }
  .brand img { width: 128px; height: 56px; }
  .primary-nav { top: 76px; }
  .hero { min-height: auto; }
  .hero-media img { object-position: 60% center; }
  .hero-media video { object-position: 61% center; }
  .hero-shade { background: linear-gradient(180deg, rgba(3,20,36,.94) 0%, rgba(3,20,36,.88) 70%, rgba(3,20,36,.96) 100%); }
  .hero-inner { min-height: auto; padding-block: 64px 48px; }
  .hero h1 { font-size: clamp(2.7rem, 13.5vw, 4.1rem); }
  .mode-switch { width: 100%; }
  .mode-button { flex: 1; justify-content: center; padding-inline: 12px; }
  .hero-actions, .hero-actions .button { width: 100%; }
  .quick-card { padding: 22px; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-grid > div, .trust-grid > div:nth-child(3) { min-height: 86px; border-left: 1px solid var(--line); }
  .section { padding-block: 78px; }
  .section-heading { margin-bottom: 32px; }
  .service-panels, .about-layout { grid-template-columns: 1fr; }
  .service-panel { min-height: auto; padding: 26px; }
  .service-photo { width: calc(100% + 52px); height: 200px; margin: -26px -26px 26px; }
  .service-panel h3 { font-size: 1.65rem; }
  .process-layout { gap: 36px; }
  .field-grid, .calc-result, .credential-grid { grid-template-columns: 1fr; }
  .calculator-card, .contact-form { padding: 24px; }
  .about-layout { gap: 42px; }
  .roadmap-grid, .news-grid { grid-template-columns: 1fr; }
  .roadmap-grid li { min-height: auto; }
  .market-ribbon__inner { justify-content: flex-start; overflow-x: auto; scrollbar-width: none; }
  .market-ribbon__inner::-webkit-scrollbar { display: none; }
  .secure-visual { transform: none; }
  .portrait-badge { right: 12px; }
  .footer-main { grid-template-columns: 1fr; gap: 30px; }
  .mobile-dock { position: fixed; left: 0; right: 0; bottom: 0; z-index: 80; height: 64px; display: grid; grid-template-columns: repeat(3,1fr); border-top: 1px solid #ccd9e2; background: rgba(255,255,255,.96); backdrop-filter: blur(12px); }
  .mobile-dock a { display: flex; flex-direction: column; align-items: center; justify-content: center; color: var(--navy-900); font-size: .72rem; font-weight: 800; text-decoration: none; }
  .mobile-dock span { font-size: 1.15rem; line-height: 1; }
  .portal-hero { padding: 70px 0 60px; }
  .portal-card-grid,.security-grid { grid-template-columns: 1fr; }
  .portal-cta .shell { display: grid; }
}