/* Flo Funding — site styles (S3-style layout, Flo navy + green) */
:root{
  --navy:#0A294D; --navy-d:#071E3A; --navy-x:#04142A; --ink:#0F1E33; --ink-2:#3C4A63; --mute:#6F7A90;  /* the logo navy (#0A294D sampled from the mark) and its darks */
  --green:#0A294D; --green-d:#0A294D; --green-l:#AFC0D8;  /* monochrome like the logo: the old green accent now reads navy; light tint for dark backgrounds */
  --paper:#F7F7F5; --paper-2:#EEEFEC; --panel:#FCFCFB; --line:#D8DCE4; --line-2:#E7EAEF; --white:#fff;
  --font:"Source Sans 3","Helvetica Neue",Helvetica,Arial,sans-serif;  /* one face everywhere: a clean institutional sans (J.P. Morgan-style; their Amplitude is licensed) */
  --max:1240px; --r:2px; --hdr:76px;
  --serif:var(--font);  /* one typeface site-wide: headings and figures differ by weight and size only */
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--paper);line-height:1.5;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none}
h1,h2,h3,h4{margin:0;font-weight:600;letter-spacing:-0.005em;line-height:1.12;font-family:var(--serif)}
h1{font-size:clamp(38px,4.8vw,62px);letter-spacing:-0.025em;line-height:1.08}
h2{font-size:clamp(28px,3.1vw,40px)}
h3{font-size:23px;letter-spacing:0}
p{margin:0 0 14px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 32px}
.eyebrow{font-family:var(--serif);font-size:13.5px;letter-spacing:.24em;text-transform:uppercase;color:var(--green-d);margin:0 0 16px;font-weight:500}
.eyebrow.light{color:var(--green-l)}
.lead{font-size:18px;color:var(--ink-2);max-width:640px;line-height:1.55}
.small{font-size:13px;color:var(--mute)}
.btn{display:inline-flex;align-items:center;gap:10px;padding:13px 20px;border-radius:var(--r);font-weight:500;font-size:14.5px;border:1px solid transparent;cursor:pointer;line-height:1;transition:background .15s,border-color .15s,color .15s;white-space:nowrap;letter-spacing:.01em}
.btn:hover{text-decoration:none}
.btn-primary{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-primary:hover{background:var(--navy-d)}
.btn-green{background:var(--green);color:#fff;border-color:var(--green)}
.btn-green:hover{background:var(--green-d)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-outline-light{border-color:#fff;color:#fff;background:transparent}
.btn-outline-light:hover{background:#fff;color:var(--navy)}
.btn-sm{padding:10px 16px;font-size:13.5px}
.btn .arr{font-weight:400}
.tlink{display:inline-block;font-size:13px;letter-spacing:.12em;text-transform:uppercase;font-weight:500;color:var(--navy);padding-bottom:6px;border-bottom:1px solid var(--green);margin-top:8px}
.tlink:hover{border-bottom-color:var(--navy)}
.tlink.light{color:#fff;border-bottom-color:var(--green-l)}

/* header: fixed, transparent over hero, solid on scroll */
.top{position:fixed;top:0;left:0;right:0;z-index:50;height:var(--hdr);transition:background .25s,border-color .25s;border-bottom:1px solid transparent}
.top .wrap{display:flex;align-items:center;justify-content:space-between;height:var(--hdr);gap:24px;max-width:1400px}
.brand img{height:54px;width:auto}
.brand .logo-dark{display:none}
.nav{display:flex;align-items:center;gap:2px}
.nav a{padding:10px 14px;font-size:14.5px;font-weight:400;color:#fff;border-radius:var(--r);letter-spacing:.005em}
.nav a:hover{color:#fff;background:rgba(255,255,255,.12)}
.nav a.on{font-weight:500;background:rgba(255,255,255,.14)}
.nav .cta{margin-left:12px}
.nav a.btn{background:var(--green);color:#fff;border-color:var(--green);font-weight:500}
.nav a.btn:hover{background:var(--green-d)}
.nav a.btn-outline-light{background:transparent;border-color:#fff;margin-left:10px}
.nav a.btn-outline-light:hover{background:#fff;color:var(--navy)}
.top.solid{background:rgba(255,255,255,.97);border-bottom-color:var(--line-2);backdrop-filter:saturate(1.2) blur(8px)}
.top.solid .nav a{color:var(--ink)}
.top.solid .nav a:hover{background:var(--paper-2);color:var(--navy)}
.top.solid .nav a.on{background:var(--paper-2);color:var(--navy)}
.top.solid .nav a.btn{color:#fff;background:var(--green)}
.top.solid .nav a.btn-outline-light{color:var(--navy);border-color:var(--navy);background:transparent}
.top.solid .nav a.btn-outline-light:hover{background:var(--navy);color:#fff}
.top .brand .logo-light{display:block}.top.solid .brand .logo-light{display:none}.top.solid .brand .logo-dark{display:block}
.burger{display:none;background:none;border:1px solid rgba(255,255,255,.6);color:#fff;border-radius:var(--r);padding:8px 10px;font-size:12px;letter-spacing:.1em;cursor:pointer}
.top.solid .burger{border-color:var(--line);color:var(--ink)}

/* hero */
.hero{position:relative;color:#fff;overflow:hidden;background:var(--navy-x)}
.hero .bg{position:absolute;inset:0;background-size:cover;background-position:center;filter:saturate(.8) brightness(.72)}
.hero .shade{position:absolute;inset:0;background:linear-gradient(90deg,rgba(14,31,69,.78) 0%,rgba(14,31,69,.45) 50%,rgba(14,31,69,.25) 100%)}
.hero .wrap{position:relative;padding:calc(var(--hdr) + 120px) 32px 96px;min-height:720px;display:flex;flex-direction:column;justify-content:center}
.hero h1{max-width:720px;color:#fff;font-weight:400}
.hero .lead{color:#E3E8F3;margin:26px 0 34px;max-width:620px;font-size:17px}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap}
.hero .tag{position:absolute;right:32px;bottom:28px;font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:#C7D0E4;font-weight:500}
.hero.sub .wrap{min-height:560px;padding-top:calc(var(--hdr) + 90px);padding-bottom:80px}

/* stat band */
.stats{background:var(--navy);color:#fff}
.stats .wrap{padding:72px 32px 56px}
.stats .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px}
.stats .s{padding-bottom:18px;border-bottom:1px solid var(--green)}
.stats .v{font-size:48px;font-weight:400;letter-spacing:-0.03em;line-height:1}
.stats .k{font-size:15px;color:#E3E8F3;margin-top:12px}
.stats .fn{margin-top:36px;font-size:12px;color:#AEBBDA;line-height:1.7}
.stats .fn b{color:#fff;font-weight:500}

/* sections */
section{padding:96px 0}
section.tight{padding:64px 0}
section.paper2{background:var(--paper-2)}
section.white{background:#fff}
section.dark{background:var(--navy-d);color:#fff;position:relative;overflow:hidden}
section.dark .lead{color:#C7D0E4}
section.dark h2,section.dark h3{color:#fff}
section.dark .shapes{position:absolute;inset:0;pointer-events:none;opacity:.07}
section.dark .wrap{position:relative}
.sec-head{display:flex;justify-content:space-between;align-items:flex-end;gap:48px;margin-bottom:40px}
.sec-head .lead{margin:10px 0 0}
.sec-head .tlink{flex-shrink:0;margin-bottom:6px}

/* text panel + photo (S3 "for investors/borrowers") */
.split{display:grid;grid-template-columns:1.08fr 1fr;background:var(--panel);border:1px solid var(--line-2);min-height:460px}
.split+.split{margin-top:40px}
.split .txt{padding:64px 60px;display:flex;flex-direction:column;justify-content:center}
.split .ph{background-size:cover;background-position:center;min-height:460px}
.split h3{font-size:30px;margin-bottom:18px;letter-spacing:-0.02em}
.split ul{list-style:none;padding:0;margin:0 0 30px;display:grid;gap:10px}
.split li{padding-left:18px;position:relative;font-size:16.5px;color:var(--ink)}
.split li:before{content:"•";position:absolute;left:0;color:var(--ink)}
.split .kv{margin:0 0 26px}

/* in-house band */
.cols5{display:grid;grid-template-columns:repeat(5,1fr);border-top:1px solid rgba(255,255,255,.18);border-bottom:1px solid rgba(255,255,255,.18);margin-top:40px}
.cols5 .c{padding:38px 26px 42px 0;border-right:1px solid rgba(255,255,255,.18);margin-right:26px}
.cols5 .c:last-child{border-right:0;margin-right:0}
.cols5 .ic{width:34px;height:34px;margin-bottom:22px;color:var(--green-l)}
.cols5 .ic svg{width:34px;height:34px;stroke:currentColor;fill:none;stroke-width:1.5;stroke-linecap:round;stroke-linejoin:round}
.cols5 h3{font-size:19px;margin-bottom:10px}
.cols5 p{font-size:14px;color:#C7D0E4;margin:0;line-height:1.55}

/* three photo cards */
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.pcard{background:var(--panel);border:1px solid var(--line-2);display:flex;flex-direction:column}
.pcard .ph{aspect-ratio:4/3;background-size:cover;background-position:center}
.pcard .body{padding:30px 30px 34px}
.pcard h3{font-size:22px;color:var(--navy);margin-bottom:12px}
.pcard p{font-size:15px;color:var(--ink-2);margin:0;line-height:1.6}

/* mosaic */
.mosaic{display:grid;grid-template-columns:1.1fr 1fr 1fr;grid-template-rows:380px 380px;gap:16px}
.tile{position:relative;overflow:hidden;background:var(--navy-x);display:block;color:#fff}
.tile.big{grid-row:1/3}
.tile .ph{position:absolute;inset:0;background-size:cover;background-position:center;transition:transform .6s ease;filter:brightness(.78)}
.tile:hover .ph{transform:scale(1.04)}
.tile .cap{position:absolute;left:0;right:0;bottom:0;padding:28px 30px;background:linear-gradient(180deg,rgba(14,31,69,0),rgba(14,31,69,.85))}
.tile .cap .e{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:#D5DCEC;margin-bottom:8px}
.tile .cap .t{font-size:26px;letter-spacing:-0.01em}
.tile.big .cap .t{font-size:32px}

/* transaction-style cards */
.deals{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.deal{position:relative;aspect-ratio:1/1.05;overflow:hidden;background:var(--navy-x);color:#fff}
.deal .ph{position:absolute;inset:0;background-size:cover;background-position:center;filter:brightness(.8)}
.deal .badge{position:absolute;top:18px;left:18px;background:rgba(255,255,255,.92);color:var(--navy);font-size:11px;letter-spacing:.14em;text-transform:uppercase;padding:8px 10px;font-weight:500}
.deal .cap{position:absolute;left:0;right:0;bottom:0;padding:26px 24px;background:linear-gradient(180deg,rgba(14,31,69,0),rgba(14,31,69,.9))}
.deal .amt{font-size:28px;letter-spacing:-0.02em}
.deal .loc{font-size:14px;color:#D5DCEC;margin-top:4px}

/* tables + kv */
.kv{width:100%;border-collapse:collapse;font-size:15px;margin:16px 0 8px}
.kv td{padding:10px 0;border-top:1px solid var(--line-2);vertical-align:top}
.kv td:first-child{color:var(--mute);width:42%;font-size:13px;letter-spacing:.04em;text-transform:uppercase;padding-top:12px}
.kv td:last-child{font-weight:500}
.kv tr:last-child td{border-bottom:1px solid var(--line-2)}
.tbl{width:100%;border-collapse:collapse;font-size:15px;background:#fff;border:1px solid var(--line-2)}
.tbl th{background:var(--navy);color:#fff;font-weight:500;text-align:left;padding:13px 16px;font-size:12px;letter-spacing:.1em;text-transform:uppercase}
.tbl td{padding:13px 16px;border-top:1px solid var(--line-2);vertical-align:top}
.tbl td:first-child{font-weight:500}
.tbl .num{font-variant-numeric:tabular-nums}
.tbl tr:hover td{background:var(--panel)}
.tbl .sub td{background:var(--paper-2);font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-2)}
.tbl-wrap{overflow-x:auto}
.note{font-size:13px;color:var(--mute);margin-top:12px;line-height:1.6}
.check{list-style:none;padding:0;margin:16px 0 24px;display:grid;gap:10px}
.check li{padding-left:18px;position:relative;font-size:16px}
.check li:before{content:"•";position:absolute;left:0;color:var(--green-d)}
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}
.two{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.four{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.card{background:var(--panel);border:1px solid var(--line-2);display:flex;flex-direction:column}
.card .body{padding:30px 32px 34px;flex:1}
.card h3{margin-bottom:10px;font-size:21px}
.card p{color:var(--ink-2);font-size:15px}

/* subnav on product pages */
.subnav{border-bottom:1px solid var(--line-2);border-top:1px solid var(--line-2);background:rgba(245,245,242,.97);position:sticky;top:var(--hdr);z-index:40;backdrop-filter:blur(8px)}
.subnav .wrap{display:flex;gap:0;overflow-x:auto}
.subnav a{padding:17px 18px;font-size:13px;letter-spacing:.08em;text-transform:uppercase;font-weight:500;color:var(--ink-2);border-bottom:2px solid transparent;white-space:nowrap}
.subnav a:hover{color:var(--navy)}
.subnav a.on{color:var(--navy);border-bottom-color:var(--green)}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;background:#fff;border:1px solid var(--line-2)}
.calc .in{padding:40px 44px;border-right:1px solid var(--line-2)}
.calc .out{padding:40px 44px;background:var(--panel)}
.calc h3{font-size:22px;margin-bottom:6px}
.calc .fields{display:grid;grid-template-columns:1fr 1fr;gap:16px 20px;margin-top:22px}
.f label{display:block;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--mute);margin-bottom:7px;font-weight:500}
.f input,.f select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:var(--r);font:inherit;font-size:15px;color:var(--ink);background:#fff}
.f input:focus,.f select:focus{outline:2px solid rgba(43,165,91,.35);border-color:var(--green)}
.f.full{grid-column:1/-1}
.res{display:grid;margin-top:18px}
.res .r{display:flex;justify-content:space-between;align-items:baseline;padding:12px 0;border-top:1px solid var(--line-2);gap:16px}
.res .r:last-child{border-bottom:1px solid var(--line-2)}
.res .k{font-size:14.5px;color:var(--ink-2)}
.res .v{font-size:15px;font-weight:500;font-variant-numeric:tabular-nums;text-align:right}
.res .r.big .v{font-size:32px;color:var(--navy);letter-spacing:-0.02em;font-weight:400}
.res .r.big .k{font-weight:500;color:var(--ink)}
.res .v.bind{color:var(--green-d)}
.verdict{margin-top:18px;padding:14px 16px;font-size:14.5px;border:1px solid var(--line-2);background:#fff;line-height:1.5}
.verdict.ok{border-color:#BFE7CD;background:#EAF7EF;color:#14532D}
.verdict.no{border-color:#F3C7C2;background:#FDEDEB;color:#7A1F17}

/* about */
.quote{border-left:2px solid var(--green);padding:8px 0 8px 26px;font-size:26px;letter-spacing:-0.015em;line-height:1.35;max-width:720px;color:var(--navy);font-weight:400}
.principles{display:grid;grid-template-columns:repeat(2,1fr);border-top:1px solid var(--line);margin-top:8px}
.principles .p{padding:30px 32px 30px 0;border-bottom:1px solid var(--line);margin-right:32px}
.principles .p:nth-child(2n){margin-right:0}
.principles .n{font-size:12px;color:var(--green-d);letter-spacing:.16em;font-weight:500}
.principles h3{font-size:21px;margin:12px 0 10px}
.principles p{font-size:15px;color:var(--ink-2);margin:0;line-height:1.6}
.states{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px}
.states span{font-size:13px;padding:8px 12px;border:1px solid var(--line);background:#fff;letter-spacing:.02em}
.states span.hq{background:var(--navy);color:#fff;border-color:var(--navy)}

/* form */
.form{display:grid;grid-template-columns:1fr 1fr;gap:18px 22px}
.form .f.full{grid-column:1/-1}
.form textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:var(--r);font:inherit;font-size:15px;min-height:130px;resize:vertical}
.form textarea:focus{outline:2px solid rgba(43,165,91,.35);border-color:var(--green)}
.contact-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:64px;align-items:start}
.contact-side .blk{padding:22px 0;border-top:1px solid var(--line)}
.contact-side .blk:last-child{border-bottom:1px solid var(--line)}
.contact-side .k{font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--mute);margin-bottom:8px;font-weight:500}

/* CTA + footer */
.cta{background:var(--paper-2);border-top:1px solid var(--line-2)}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:40px;padding:72px 32px}
.cta h2{max-width:640px;color:var(--navy)}
.cta p{color:var(--ink-2);margin:12px 0 0;max-width:560px}
.cta .actions{display:flex;gap:12px;flex-shrink:0}
footer{background:var(--navy-d);color:#C7D0E4;font-size:14px}
footer .wrap{padding:0 32px}
.ft{display:grid;grid-template-columns:1.2fr 2fr;gap:0}
.ft .tag{padding:72px 48px 72px 0;border-right:1px solid rgba(255,255,255,.14);font-size:30px;line-height:1.25;color:#fff;letter-spacing:-0.02em;font-weight:400}
.ft .tag .logo{background:#fff;display:inline-block;padding:10px 14px;margin-bottom:28px}
.ft .tag .logo img{height:40px}
.ft .cols{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:72px 0 72px 48px}
.ft h4{color:var(--green-l);font-size:14px;font-weight:500;margin-bottom:18px;letter-spacing:.02em}
.ft a{color:#DCE2F0;display:block;padding:5px 0;font-size:14.5px}
.ft a:hover{color:#fff}
.legal{padding:26px 0 30px;border-top:1px solid rgba(255,255,255,.14);font-size:12px;line-height:1.65;color:#8E9BBC}
.legal p{margin:0 0 8px}

/* reveal */
.rv{opacity:0;transform:translateY(16px);transition:opacity .7s ease,transform .7s ease}
.rv.in{opacity:1;transform:none}

@media (max-width:1040px){
  .stats .grid{grid-template-columns:1fr 1fr}
  .cols5{grid-template-columns:repeat(3,1fr)}
  .cols5 .c:nth-child(3){border-right:0}
  .cards3,.deals{grid-template-columns:1fr 1fr}
  .mosaic{grid-template-columns:1fr 1fr;grid-template-rows:320px 320px 320px}
  .tile.big{grid-row:1/2;grid-column:1/3}
  .split,.calc,.contact-grid,.two,.three{grid-template-columns:1fr}
  .split .ph{min-height:300px;order:-1}
  .calc .in{border-right:0;border-bottom:1px solid var(--line-2)}
  .ft{grid-template-columns:1fr}
  .ft .tag{border-right:0;padding:56px 0 24px;border-bottom:1px solid rgba(255,255,255,.14)}
  .ft .cols{padding:40px 0 56px;grid-template-columns:1fr 1fr}
  .four{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  :root{--hdr:68px}
  .wrap{padding-left:20px;padding-right:20px}
  .nav{display:none;position:absolute;top:var(--hdr);left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 16px 18px;border-bottom:1px solid var(--line);gap:2px}
  .nav.open{display:flex}
  .nav a,.top .nav a{color:var(--ink)}
  .nav .cta{margin:10px 0 0}.nav a.btn-outline-light{color:var(--navy);border-color:var(--navy);margin:8px 0 0}
  .burger{display:block}
  .brand img{height:38px}
  .hero .wrap{padding:calc(var(--hdr) + 72px) 20px 72px;min-height:560px}
  .hero .tag{display:none}
  section{padding:64px 0}
  .stats .wrap{padding:48px 20px 40px}.stats .grid{grid-template-columns:1fr 1fr;gap:20px}.stats .v{font-size:34px}
  .sec-head{flex-direction:column;align-items:flex-start;gap:14px}
  .split .txt{padding:32px 24px}
  .cols5{grid-template-columns:1fr}.cols5 .c{border-right:0;margin-right:0;border-bottom:1px solid rgba(255,255,255,.18);padding:24px 0}
  .cards3,.deals,.four,.principles,.form,.calc .fields{grid-template-columns:1fr}
  .mosaic{grid-template-columns:1fr;grid-template-rows:repeat(5,260px)}.tile.big{grid-column:auto;grid-row:auto}
  .principles .p{margin-right:0!important}
  .cta .wrap{flex-direction:column;align-items:flex-start;padding:56px 20px}
  .ft .cols{grid-template-columns:1fr 1fr}.ft .tag{font-size:24px}
  .quote{font-size:20px}
}

/* ===== v2 distinct components ===== */
h1,h2{font-weight:600}
.hero.home .wrap{min-height:680px;padding-top:calc(var(--hdr) + 96px);padding-bottom:88px;justify-content:center}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:64px;align-items:end}
.hero h1{max-width:640px;font-size:clamp(36px,4.2vw,56px)}
.glance{background:rgba(14,31,69,.55);border:1px solid rgba(255,255,255,.22);backdrop-filter:blur(6px);padding:26px 28px 24px;color:#fff}
.glance .gh{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--green-l);margin-bottom:10px;font-weight:500}
.glance .gr{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-top:1px solid rgba(255,255,255,.16);font-size:14.5px}
.glance .gr span{color:#C7D0E4}.glance .gr b{font-weight:500;text-align:right}
.glance .tlink{margin-top:14px}
.strip{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:-64px;position:relative;z-index:2}
.sp{display:block;background:#fff;border:1px solid var(--line-2);padding:28px 30px 30px;color:var(--ink);box-shadow:0 10px 30px rgba(14,31,69,.06);border-top:3px solid var(--navy)}
.sp:hover{border-top-color:var(--green)}
.sp .sp-h{display:flex;justify-content:space-between;align-items:center}.sp .sp-h .eyebrow{margin:0}.sp .arrow{color:var(--green-d);font-size:20px}
.sp h3{font-size:22px;margin:12px 0 18px;color:var(--navy)}
.sp-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px 24px;font-size:14.5px}
.sp-grid i{display:block;font-style:normal;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--mute);margin-bottom:3px}
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.tl{display:block;background:var(--panel);border:1px solid var(--line-2);color:var(--ink)}
.tl .ph{aspect-ratio:4/3;background-size:cover;background-position:center;transition:filter .3s}
.tl:hover .ph{filter:brightness(.92)}
.tl .cap{padding:24px 26px 28px}.tl .cap .eyebrow{margin-bottom:10px}.tl h3{font-size:20px;margin-bottom:10px;color:var(--navy)}.tl p{font-size:14.5px;color:var(--ink-2);margin:0;line-height:1.6}
.timeline{display:grid;grid-template-columns:repeat(5,1fr);gap:0;position:relative;padding-top:28px}
.timeline:before{content:"";position:absolute;left:0;right:0;top:8px;height:1px;background:var(--line)}
.tp{padding:0 28px 0 0;position:relative}
.tp:before{content:"";position:absolute;left:0;top:-24px;width:9px;height:9px;border-radius:50%;background:var(--green);box-shadow:0 0 0 3px var(--paper)}
.tp .d{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--green-d);font-weight:500;margin-bottom:10px}
.tp h3{font-size:18px;margin-bottom:8px}.tp p{font-size:14px;color:var(--ink-2);margin:0;line-height:1.6}
.two-wide{display:grid;grid-template-columns:1fr 1.15fr;gap:72px;align-items:start}
.numlist{list-style:none;counter-reset:n;margin:0;padding:0;border-top:1px solid rgba(255,255,255,.16)}
.numlist li{counter-increment:n;padding:18px 0 18px 54px;border-bottom:1px solid rgba(255,255,255,.16);position:relative;font-size:15px;color:#C7D0E4;line-height:1.55}
.numlist li b{display:block;color:#fff;font-weight:500;margin-bottom:3px;font-size:16px}
.numlist li:before{content:counter(n,decimal-leading-zero);position:absolute;left:0;top:20px;font-size:12px;letter-spacing:.1em;color:var(--green-l)}
.row-links{display:flex;gap:32px;margin-top:22px}
.split.rev .ph{order:-1}
.split{grid-template-columns:1.15fr .85fr}
.ft{grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px;padding:64px 0 48px}
.ft .about .fl{height:44px;margin-bottom:18px}.ft .about p{font-size:14px;line-height:1.65;max-width:420px}
.ft .addr{display:block;padding:5px 0;color:#DCE2F0;font-size:14.5px}
.ft h4{color:#fff;font-size:12px;letter-spacing:.14em;text-transform:uppercase}
@media (max-width:1040px){.hero-grid{grid-template-columns:1fr;gap:28px}.glance{max-width:460px}.timeline{grid-template-columns:1fr 1fr 1fr;gap:28px 0}.tiles{grid-template-columns:1fr}.two-wide{grid-template-columns:1fr;gap:36px}.ft{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr}.split.rev .ph{order:-1}}
@media (max-width:720px){.strip{grid-template-columns:1fr;margin-top:24px}.timeline{grid-template-columns:1fr}.tp{padding:0 0 20px}.ft{grid-template-columns:1fr}.hero.home .wrap{min-height:0}}

/* ===== v3: tighter pages, clickable footprint ===== */
section{padding:60px 0}
section.tight{padding:44px 0}
.sec-head{margin-bottom:28px}
.hero.home .wrap{min-height:560px;padding-top:calc(var(--hdr) + 72px);padding-bottom:72px}
.hero.sub .wrap{min-height:400px;padding-top:calc(var(--hdr) + 64px);padding-bottom:56px}
.hero.sub.short .wrap{min-height:320px}
.hero h1{font-size:clamp(32px,3.8vw,50px)}
.hero .lead{margin:18px 0 26px}
.strip{margin-top:-52px}
.sp{padding:22px 26px 24px}.sp h3{margin:10px 0 14px;font-size:20px}
.tl .ph{aspect-ratio:16/9}.tl .cap{padding:20px 22px 22px}
.timeline{padding-top:24px}.tp h3{font-size:17px}.tp p{font-size:13.5px}
.numlist.cols2{display:grid;grid-template-columns:1fr 1fr;gap:0 32px;border-top:0}
.numlist.cols2 li{padding:14px 0 14px 40px;font-size:14px;border-top:1px solid rgba(255,255,255,.16);border-bottom:0}
.numlist.cols2 li:before{top:16px}
.numlist.cols2 li b{font-size:15px}
.two-wide{gap:56px}
.footband{display:grid;grid-template-columns:.9fr 1.1fr;gap:40px;align-items:center}
.footband .lead{margin:8px 0 0;font-size:16px}
.states a{display:inline-block;font-size:13.5px;padding:9px 13px;border:1px solid var(--line);background:#fff;color:var(--ink);letter-spacing:.01em;transition:background .15s,color .15s,border-color .15s}
.states a:hover{background:var(--navy);color:#fff;border-color:var(--navy);text-decoration:none}
.prod3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.pc{background:var(--panel);border:1px solid var(--line-2);display:flex;flex-direction:column;scroll-margin-top:140px}
.pc .ph{aspect-ratio:16/9;background-size:cover;background-position:center}
.pc .body{padding:22px 24px 26px;display:flex;flex-direction:column;flex:1}
.pc h3{font-size:20px;margin-bottom:8px;color:var(--navy)}
.pc p{font-size:14px;color:var(--ink-2);line-height:1.55;margin-bottom:6px}
.pc .check{margin:8px 0 16px;gap:7px}.pc .check li{font-size:14px}
.pc .tlink{margin-top:auto}
.tbl.mk td{vertical-align:top}
.tbl.mk tr:target td{background:#EAF7EF;box-shadow:inset 3px 0 0 var(--green)}
.tbl.mk tr{scroll-margin-top:120px}
.tbl th{padding:11px 14px}.tbl td{padding:11px 14px;font-size:14.5px}
.calc .in,.calc .out{padding:30px 34px}
.split{min-height:0}.split .txt{padding:44px 48px}.split .ph{min-height:340px}
.card .body{padding:24px 26px 26px}
.principles .p{padding:22px 28px 22px 0}.principles h3{font-size:19px;margin:8px 0 6px}
.cta .wrap{padding:52px 32px}
.ft{padding:48px 0 36px}
.legal{padding:20px 0 24px}
section[id]{scroll-margin-top:130px}
@media (max-width:1040px){.prod3{grid-template-columns:1fr}.footband{grid-template-columns:1fr}.numlist.cols2{grid-template-columns:1fr}}
.pricing{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:22px}
.pr{background:#fff;border:1px solid var(--line-2);padding:18px 20px;border-top:2px solid var(--navy)}
.pr i{display:block;font-style:normal;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--mute);margin-bottom:6px}
.pr b{display:block;font-size:24px;font-weight:600;color:var(--navy);letter-spacing:-0.01em;margin-bottom:6px}
.pr span{font-size:13.5px;color:var(--ink-2);line-height:1.5}
@media (max-width:1040px){.pricing{grid-template-columns:1fr 1fr}}
@media (max-width:720px){.pricing{grid-template-columns:1fr}}

/* ===== partner submission portal ===== */
.howit{display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.howit>div{border-top:2px solid var(--navy);padding-top:16px}
.howit .n{font-size:12px;letter-spacing:.16em;color:var(--green-d);font-weight:500}
.howit h3{font-size:17px;margin:8px 0 6px}.howit p{font-size:14px;color:var(--ink-2);margin:0;line-height:1.55}
.portal{background:#fff;border:1px solid var(--line-2)}
.pnav{display:flex;border-bottom:1px solid var(--line-2);overflow-x:auto}
.pnav a{flex:1;padding:16px 18px;font-size:13px;letter-spacing:.08em;text-transform:uppercase;font-weight:500;color:var(--mute);border-bottom:2px solid transparent;white-space:nowrap;text-align:center}
.pnav a.on{color:var(--navy);border-bottom-color:var(--green)}
.pform fieldset{display:none;border:0;margin:0;padding:32px 36px 28px}
.pform fieldset.on{display:block}
.pform legend{font-size:22px;font-weight:500;color:var(--navy);padding:0;margin-bottom:18px;letter-spacing:-0.01em}
.docs{display:grid;gap:0;border-top:1px solid var(--line-2)}
.doc{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:16px;align-items:center;padding:12px 0;border-bottom:1px solid var(--line-2)}
.doc .dt b{display:block;font-weight:500;font-size:14.5px}.doc .dt span{font-size:12.5px;color:var(--mute)}
.doc .ds{display:flex;gap:14px;font-size:13px;color:var(--ink-2)}.doc .ds label{display:flex;gap:5px;align-items:center;white-space:nowrap}
.doc .df input{font-size:12.5px;width:100%}
.review .kv td:first-child{width:22%}
.agree{display:grid;gap:10px;margin:22px 0 6px;font-size:14px;color:var(--ink-2)}
.agree label{display:flex;gap:10px;align-items:flex-start;line-height:1.5}.agree input{margin-top:4px}
.pactions{display:flex;gap:14px;align-items:center;margin-top:22px;flex-wrap:wrap}
.pactions.steps{justify-content:flex-end;border-top:1px solid var(--line-2);padding-top:18px}
.done{padding:48px 36px}.done h2{margin:6px 0 10px}
@media (max-width:1040px){.howit{grid-template-columns:1fr 1fr}.doc{grid-template-columns:1fr}.pform fieldset{padding:24px 20px}}
@media (max-width:720px){.howit{grid-template-columns:1fr}}
.policy{max-width:820px}
.policy h2{font-size:22px;margin:34px 0 10px;color:var(--navy)}
.policy h3{font-size:16px;font-weight:600;margin:18px 0 6px}
.policy p{font-size:15px;color:var(--ink-2);line-height:1.65}
.policy .check{margin:8px 0 14px}.policy .check li{font-size:15px;color:var(--ink-2);line-height:1.6}
.draftnote{background:#FFF6E0;border:1px solid #F1D9A0;padding:12px 16px;font-size:14px;color:#6B4E0B;margin-bottom:8px}
/* bigger logo, header backgrounds unchanged */
:root{--hdr:96px}
.brand img{height:74px}
.top .wrap{padding-left:24px}
.ft .about .fl{height:60px}
@media (max-width:720px){:root{--hdr:76px}.brand img{height:52px}}
/* header: always the white banner */
.top{background:rgba(255,255,255,.97);border-bottom-color:var(--line-2);backdrop-filter:saturate(1.2) blur(8px)}
.top .nav a{color:var(--ink)}
.top .nav a:hover{background:var(--paper-2);color:var(--navy)}
.top .nav a.on{background:var(--paper-2);color:var(--navy)}
.top .nav a.btn{color:#fff;background:var(--green)}
.top .brand .logo-light{display:none}.top .brand .logo-dark{display:block}
.burger{border-color:var(--line);color:var(--ink)}
.hero .wrap{padding-top:72px}
.hero.home .wrap{padding-top:72px;min-height:520px}
.hero.sub .wrap{padding-top:64px;min-height:360px}
.hero.sub.short .wrap{min-height:280px}
.hero{margin-top:var(--hdr)}
:root{--hdr:108px}
.brand img{height:86px}
.deskgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 32px}
.desk{padding:18px 0;border-top:1px solid var(--line)}
.desk .k{font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--mute);margin-bottom:6px;font-weight:500}
.desk a,.desk span{display:block;font-size:15px;padding:1px 0}
.desk p{font-size:13.5px;color:var(--ink-2);margin:6px 0 0;line-height:1.5}
.form.one{grid-template-columns:1fr}
@media (max-width:720px){.deskgrid{grid-template-columns:1fr}}
/* banner per Sam's reference: big logo, small-caps nav, navy pill CTA, off-white */
:root{--hdr:120px}
.top{background:#F8F8F6;border-bottom-color:var(--line-2);backdrop-filter:none}
.top .wrap{max-width:1500px;padding:0 40px}
.brand img{height:104px}
.top .nav a{font-size:12px;letter-spacing:.16em;text-transform:uppercase;font-weight:500;color:var(--navy);padding:10px 12px}
.top .nav a:hover,.top .nav a.on{background:transparent;color:var(--green-d)}
.top .nav a.btn{background:var(--navy);color:#fff;border-color:var(--navy);border-radius:999px;padding:14px 26px;font-size:12px;letter-spacing:.16em;margin-left:18px}
.top .nav a.btn:hover{background:var(--navy-d);color:#fff}
.top .nav a.btn .arr{display:none}
@media (max-width:720px){:root{--hdr:84px}.brand img{height:64px}.top .wrap{padding:0 20px}.top .nav a{letter-spacing:.08em}.top .nav a.btn{border-radius:999px}}
.ok{background:#EAF7EF;border:1px solid #BFE7CD;color:#14532D;padding:14px 16px;font-size:15px}
.ft{grid-template-columns:1.4fr 1fr 1fr 1fr 1fr}
@media (max-width:1040px){.ft{grid-template-columns:1fr 1fr}}
@media (max-width:720px){.ft{grid-template-columns:1fr}}
/* hero fades gently into the page at the bottom */
.hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:38%;background:linear-gradient(180deg,rgba(245,245,242,0) 0%,rgba(245,245,242,.55) 70%,#F5F5F2 100%);pointer-events:none}
.hero .wrap{z-index:1}
.top .nav a{font-size:11.5px;letter-spacing:.12em;padding:10px 9px;white-space:nowrap}
.top .nav a.btn{padding:13px 22px;margin-left:12px}
.top .nav a.login{color:var(--mute)}
/* ===== hero per reference: white left dissolving into the photo on the right ===== */
.top{background:#fff;border-bottom:0}
.hero{background:#fff;color:var(--navy);margin-top:var(--hdr)}
.hero .bg{left:22%;right:0;filter:none;opacity:1;-webkit-mask-image:linear-gradient(90deg,rgba(0,0,0,0) 0%,rgba(0,0,0,.35) 22%,#000 48%);mask-image:linear-gradient(90deg,rgba(0,0,0,0) 0%,rgba(0,0,0,.35) 22%,#000 48%);background-position:center}
.hero .shade{display:none}
.hero:after{height:14%;background:linear-gradient(180deg,rgba(255,255,255,0),rgba(245,245,242,.9))}
.hero .eyebrow{color:var(--navy);letter-spacing:.22em;font-size:12px}
.hero h1{color:var(--navy);font-family:var(--serif);font-weight:600;font-size:clamp(42px,5vw,66px);line-height:1.04;letter-spacing:-0.01em;max-width:620px}
.hero .lead{color:var(--ink-2);font-size:17.5px;max-width:520px}
.hero .lead b{color:var(--navy);font-weight:600}
.hero .btn{border-radius:999px;padding:15px 24px;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase}
.hero .btn .arr{text-transform:none;letter-spacing:0}
.hero .btn-primary{background:var(--navy);border-color:var(--navy)}
.hero .btn-outline{border-color:var(--navy);color:var(--navy);background:rgba(255,255,255,.6)}
.hero .btn-outline:hover{background:var(--navy);color:#fff}
.hero .btn-green{background:var(--navy);border-color:var(--navy)}.hero .btn-outline-light{border-color:var(--navy);color:var(--navy)}
.hero .tlink.light{color:var(--navy);border-bottom-color:var(--green)}
.hero.home .wrap{min-height:600px;padding-top:64px;padding-bottom:84px}
.hero-grid{grid-template-columns:1fr}
.glance{display:none}
.hero.sub .wrap{min-height:400px}
.hero.sub.short .wrap{min-height:320px}
.hero.sub h1{font-size:clamp(36px,4.2vw,54px)}
.hero .lead a{color:var(--navy)}
@media (max-width:900px){.hero .bg{left:0;-webkit-mask-image:linear-gradient(180deg,rgba(0,0,0,.08),rgba(0,0,0,.35));mask-image:linear-gradient(180deg,rgba(0,0,0,.08),rgba(0,0,0,.35))}}
.hero .bg{left:34%;-webkit-mask-image:linear-gradient(90deg,rgba(0,0,0,0) 0%,rgba(0,0,0,.4) 28%,#000 58%);mask-image:linear-gradient(90deg,rgba(0,0,0,0) 0%,rgba(0,0,0,.4) 28%,#000 58%)}
.hero h1{max-width:560px}.hero .lead{max-width:480px}
@media (max-width:900px){.hero .bg{left:0}}
/* hero content aligns with the logo, not the narrower page column */
.hero .wrap{max-width:1500px;padding-left:40px;padding-right:40px}
.hero .bg{left:30%}
@media (max-width:900px){.hero .bg{left:0}}
@media (max-width:720px){.hero .wrap{padding-left:20px;padding-right:20px}}
.hero .wrap{max-width:none;padding-left:72px;padding-right:72px}
.top .wrap{max-width:none;padding:0 72px}
.hero .bg{left:28%}
@media (max-width:900px){.hero .bg{left:0}}
@media (max-width:720px){.hero .wrap,.top .wrap{padding-left:20px;padding-right:20px}}
/* ===== footprint: tile map + alphabetized list (replaces the chip buttons) ===== */
.footprint{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:start}
.usmap{display:grid;grid-template-columns:repeat(11,1fr);grid-template-rows:repeat(8,1fr);gap:5px;max-width:620px}
.st{aspect-ratio:1;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:500;letter-spacing:.04em;border:1px solid var(--line);color:var(--mute);background:#fff;position:relative;transition:transform .12s,box-shadow .12s}
.st:hover{transform:translateY(-2px);box-shadow:0 6px 16px rgba(14,31,69,.14);text-decoration:none;z-index:2}
.st.on,.st.rule{background:var(--navy);border-color:var(--navy);color:#fff}
.st.rule:after{content:"";position:absolute;right:4px;top:4px;width:7px;height:7px;border-radius:50%;background:var(--green)}
.st.cbc{background:#fff;color:var(--ink-2)}
.maplegend{display:flex;gap:18px;flex-wrap:wrap;margin-top:14px;font-size:13px;color:var(--ink-2)}
.maplegend i{display:inline-block;width:12px;height:12px;border:1px solid var(--line);background:#fff;vertical-align:-1px;margin-right:7px;position:relative}
.maplegend i.on{background:var(--navy);border-color:var(--navy)}
.maplegend i.rule{background:var(--navy);border-color:var(--navy)}.maplegend i.rule:after{content:"";position:absolute;right:1px;top:1px;width:4px;height:4px;border-radius:50%;background:var(--green)}
.statelist .slh{font-size:11.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--mute);font-weight:500;margin:0 0 6px;padding-bottom:6px;border-bottom:1px solid var(--line)}
.statelist ul{list-style:none;margin:0 0 22px;padding:0;columns:2;column-gap:28px}
.statelist li{break-inside:avoid;font-size:14.5px;padding:4px 0}
.statelist li a{color:var(--ink);display:flex;align-items:center;gap:9px}
.statelist li a:hover{color:var(--navy);text-decoration:underline}
.statelist li i{width:9px;height:9px;flex:none;border:1px solid var(--line);background:#fff}
.statelist li i.on,.statelist li i.rule{background:var(--navy);border-color:var(--navy)}
.statelist li i.rule{box-shadow:inset 0 0 0 2px var(--navy),inset 0 0 0 9px var(--green)}
@media (max-width:980px){.footprint{grid-template-columns:1fr}.usmap{max-width:none}.statelist ul{columns:3}}
@media (max-width:640px){.st{font-size:10px}.statelist ul{columns:2}}
.fp-map{position:relative}
.stcard{margin-top:14px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--navy);padding:14px 18px 16px;max-width:620px}
.stcard .sth{display:flex;justify-content:space-between;align-items:center}
.stcard .sth b{font-size:17px;font-weight:500;color:var(--navy)}
.stcard .stx{background:none;border:0;font-size:22px;line-height:1;color:var(--mute);cursor:pointer;padding:0 2px}
.stcard .kv{margin:8px 0 6px}.stcard .kv td:first-child{width:38%}
.st.sel{outline:2px solid var(--green);outline-offset:1px}
.tbl.mk tr.hl td{background:#EAF7EF;box-shadow:inset 3px 0 0 var(--green)}
/* form fields: inputs stay on one baseline even when a label wraps */
.calc .fields .f,.form .f{display:flex;flex-direction:column;justify-content:flex-end}
.calc .fields .f label,.form .f label{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
/* side-by-side cards share one height */
.two{align-items:stretch}
.two>.card{height:100%}
.two>div:not(.card){align-self:center}

/* ---- recent closings (closings.html) ---- */
.cl-filters{display:flex;align-items:center;gap:36px;flex-wrap:wrap;padding:6px 0 18px;border-bottom:1px solid var(--line-2)}
.cl-group{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.cl-lab{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--mute);font-weight:500;margin-right:4px}
.cl-group label{font-size:15px;display:inline-flex;align-items:center;gap:8px;cursor:pointer}
.cl-group input[type=checkbox]{width:15px;height:15px;accent-color:var(--navy);margin:0}
.cl-size{flex:1 1 360px;min-width:300px}
.cl-range{position:relative;flex:1;height:44px;min-width:240px}
.cl-rv{position:absolute;right:0;top:-6px;font-size:14px;color:var(--ink)}
.cl-range input[type=range]{-webkit-appearance:none;appearance:none;position:absolute;left:0;right:0;top:22px;width:100%;height:0;margin:0;background:none;pointer-events:none;outline:none}
.cl-range input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:18px;height:18px;border-radius:50%;background:#fff;border:2px solid var(--green-d);pointer-events:auto;cursor:pointer;margin-top:-9px;box-shadow:0 1px 2px rgba(0,0,0,.15)}
.cl-range input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:2px solid var(--green-d);pointer-events:auto;cursor:pointer}
.cl-track{position:absolute;left:0;right:0;top:21px;height:2px;background:var(--line);z-index:-1}
.cl-track .cl-fill{position:absolute;top:0;bottom:0;background:var(--green-d)}
.cl-clear{margin-left:auto;color:#B23A3A;border-color:#B23A3A}
.cl-clear:hover{background:#B23A3A;color:#fff}
.cl-count{margin:22px 0 8px;font-size:15px;color:var(--ink-2)}
.cl-disc{margin:0 0 26px;max-width:none}
.cl-grid{margin-top:4px}
.cl-card{display:block;color:#fff}
.cl-card:hover .ph{filter:brightness(.9)}
.cl-card .ph{transition:filter .2s}
.cl-more{display:flex;justify-content:center;margin-top:32px}

/* ---- a single closing (closing.html) ---- */
.cl-hero{display:grid;grid-template-columns:1fr 1fr;min-height:640px;padding-top:var(--hdr);background:var(--paper)}
.cl-hero-txt{display:flex;align-items:center;padding:64px 48px 64px max(32px,calc((100vw - 1400px)/2 + 32px))}
.cl-hero-txt h1{color:var(--navy-x);max-width:560px}
.cl-hero-ph{background:var(--paper-2) center/cover no-repeat}
.cl-hero-ph.none{background:var(--navy-x)}
.cl-facts{background:var(--paper);border-top:1px solid var(--ink);border-bottom:1px solid var(--line-2)}
.cl-facts .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:40px 32px 44px;max-width:1400px}
.cl-fact h3{font-size:24px;color:var(--navy-d);margin:0 0 10px;letter-spacing:-0.01em}
.cl-fact p{margin:0;font-size:14.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--ink)}
.cl-body{display:grid;grid-template-columns:1.1fr .8fr;gap:72px;max-width:1400px;padding-top:24px}
.cl-h{font-size:26px;color:var(--navy-d);margin:0 0 22px}
.cl-desc{font-size:16px;max-width:620px;margin:0 0 56px}
.cl-photos img{width:100%;max-width:640px;height:auto;display:block}
.cl-side{padding-top:72px}
.cl-box{border:1px solid var(--ink);padding:36px 32px 28px;margin-bottom:48px}
.cl-box h3{font-size:22px;color:var(--navy-d);margin:0 0 22px}
.cl-box dl{margin:0;font-size:15px}
.cl-box dt{font-weight:600;color:var(--navy-d);margin-top:14px}
.cl-box dd{margin:2px 0 0}
@media(max-width:900px){.cl-hero{grid-template-columns:1fr;min-height:0}.cl-hero-ph{min-height:320px}.cl-facts .wrap{grid-template-columns:1fr 1fr}.cl-body{grid-template-columns:1fr;gap:32px}.cl-side{padding-top:0}.cl-clear{margin-left:0}.deals.cl-grid{grid-template-columns:1fr}}
.cl-more [hidden]{display:none}

/* ---- logo typeface across the site: figures and labels that carry the brand ---- */
.stats .n,.stats b,.stats strong,.deal .amt,.cl-fact h3,.cl-h,.cl-box h3,.res .v,.verdict b,.glance b,.pr .price,.pr b{font-family:var(--serif);font-weight:600}
.tlink,.cl-lab,.deal .badge,.cl-fact p{font-family:var(--serif);letter-spacing:.2em}
.deal .amt{font-size:30px;font-weight:500}
.nav a{font-family:var(--font)}
.deal .amt{font-weight:600;text-shadow:0 1px 6px rgba(14,31,69,.55)}
.hero h1{font-weight:600}
h2{font-weight:600}

/* ===== PHONE (≤720px): one clean pass that wins over the layers above ===== */
@media (max-width:720px){
  html,body{overflow-x:clip}
  body{font-size:16px}
  section{scroll-margin-top:calc(var(--hdr) + 56px)}
  /* header + menu */
  :root{--hdr:72px}
  .top,.top.solid{background:#fff;backdrop-filter:none}
  .brand img{height:52px}
  .burger{font-family:var(--font);font-size:13px;font-weight:600;letter-spacing:.14em;color:var(--navy);border:1px solid var(--navy);border-radius:999px;padding:0 18px;height:44px;background:#fff}
  .nav{max-height:calc(100vh - var(--hdr));overflow-y:auto;padding:4px 20px 24px;box-shadow:0 18px 30px rgba(10,41,77,.12)}
  .top .nav a{font-size:15px;letter-spacing:.06em;padding:16px 4px;border-bottom:1px solid var(--line-2);white-space:normal}
  .top .nav a.btn{margin:18px 0 0;padding:16px 22px;justify-content:center;text-align:center;border-bottom:0}
  /* hero: photo as a band on top, text on plain white below it */
  .hero,.hero.home,.hero.sub{display:flex;flex-direction:column;padding-top:0!important}
  .hero .bg{position:relative;inset:auto;left:0!important;height:220px;flex:none;-webkit-mask-image:none!important;mask-image:none!important}
  .hero:after{display:none}
  .hero .wrap,.hero.home .wrap,.hero.sub .wrap,.hero.sub.short .wrap{min-height:0;padding:28px 20px 36px!important}
  .hero h1,.hero.sub h1{font-size:34px;line-height:1.1}
  .hero .lead{font-size:17px}
  .hero .eyebrow{font-size:11.5px;letter-spacing:.16em}
  /* buttons: full width, easy to tap */
  .actions,.hero .actions,.cta .actions{flex-direction:column;align-items:stretch;gap:10px;width:100%}
  .actions .btn,.hero .btn{justify-content:center;width:100%;min-height:50px;font-size:13px}
  .row-links{flex-direction:column;gap:18px}
  /* sticky section tabs scroll sideways without a scrollbar */
  .subnav .wrap{padding:0 8px;scrollbar-width:none}
  .subnav .wrap::-webkit-scrollbar{display:none}
  .subnav a{padding:15px 12px;font-size:12px}
  /* headings + text */
  h2{font-size:28px}
  .lead{font-size:17px}
  .sec-head{margin-bottom:24px}
  /* pricing cards */
  .pr b{font-size:24px}
  /* stacked tables (site.js adds .stack + data-label) */
  .tbl-wrap{overflow:visible}
  .tbl.stack,.tbl.stack tbody,.tbl.stack tr,.tbl.stack td{display:block;width:auto!important}
  .tbl.stack{border:0;background:none;font-size:15px}
  .tbl.stack tr.hd{display:none}
  .tbl.stack tr{background:#fff;border:1px solid var(--line-2);border-top:3px solid var(--navy);margin-bottom:14px}
  .tbl.stack tr:hover td{background:transparent}
  .tbl.stack td{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:11px 16px;text-align:right;font-size:15px}
  .tbl.stack td:before{content:attr(data-label);flex:0 0 44%;text-align:left;font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute);font-weight:500}
  .tbl.stack td:first-child{display:block;text-align:left;border-top:0;font-size:18px;font-weight:600;color:var(--navy);padding:14px 16px 10px}
  .tbl.stack td:first-child:before,.tbl.stack td.full:before{content:none}
  .tbl.stack td.full{display:block;text-align:left}
  .tbl.stack td:first-child .small{display:block;font-size:13px;font-weight:400;margin-top:4px}
  .tbl.stack tr.sub{background:none;border:0;margin:26px 0 10px}
  .tbl.stack tr.sub td{background:none;padding:0;font-size:12px;letter-spacing:.14em;color:var(--navy);font-weight:600}
  /* forms: no zoom on focus, nothing wider than the screen */
  input,select,textarea{font-size:16px!important}
  fieldset{min-width:0}
  .pform fieldset{padding:22px 18px}
  .pnav{scrollbar-width:none}.pnav::-webkit-scrollbar{display:none}
  .pnav a{flex:none;padding:14px 14px;font-size:12px}
  label{white-space:normal!important}
  .doc .ds{flex-wrap:wrap}
  .pactions .btn{flex:1;justify-content:center;min-height:48px}
  /* footer */
  .ft .cols{grid-template-columns:1fr 1fr}
  .ft .cols a{padding:7px 0}
}
/* program comparison cards (built by site.js from "Item" tables) — phones only */
.pcards{display:none}
@media (max-width:720px){
  .tbl.has-pcards{display:none}
  .pcards{display:grid;gap:14px}
  .pcard{background:#fff;border:1px solid var(--line-2);border-top:3px solid var(--navy)}
  .pcard h3{font-size:20px;color:var(--navy);padding:16px 16px 12px;margin:0}
  .pcard dl{margin:0}
  .pcard dl div{display:flex;justify-content:space-between;align-items:baseline;gap:16px;padding:11px 16px;border-top:1px solid var(--line-2)}
  .pcard dt{flex:0 0 42%;font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mute);font-weight:500}
  .pcard dd{margin:0;text-align:right;font-size:15px;color:var(--ink)}
}
@media (max-width:720px){
  .pcard dl div.long{display:block}.pcard dl div.long dd{text-align:left;margin-top:6px}
  .tbl.stack td.long{display:block;text-align:left}.tbl.stack td.long:before{display:block;margin-bottom:6px}
}
/* home hero on phones: tight on the houses, street cropped out */
@media (max-width:720px){.hero.home .bg{height:260px;background-size:152% auto;background-position:100% 22%}}
/* ===== language menu (i18n.js): a pill showing the current language over a native picker ===== */
.lang{position:relative;display:flex;flex-direction:column;align-items:flex-end}
.lang label{position:relative;display:inline-flex;align-items:center;gap:7px;height:38px;padding:0 15px;border:1px solid var(--line);border-radius:999px;font-size:12px;font-weight:600;letter-spacing:.06em;color:var(--navy);cursor:pointer;white-space:nowrap;background:#fff}
.lang label:after{content:"▾";font-size:10px}
.lang select{position:absolute;inset:0;width:100%;opacity:0;cursor:pointer;font-size:16px}
.lang .lnote{position:absolute;top:100%;right:0;margin-top:5px;font-size:11px;color:var(--mute);white-space:nowrap}
.top .wrap .brand{order:0}.top .wrap .nav{order:1}.top .wrap .lang{order:2;margin-left:10px}.top .wrap .burger{order:3}
.side .lang{align-items:flex-start;margin-bottom:14px}.side .lang label{background:transparent;color:#fff;border-color:rgba(255,255,255,.35)}.side .lang .lnote{position:static;white-space:normal;color:rgba(255,255,255,.6)}
.login .lang{align-items:center;margin-top:20px}.login .lang .lnote{position:static;margin-top:8px}
.lang.float{position:fixed;right:16px;bottom:16px;z-index:60}
html.tr-wait body{visibility:hidden}
@media (max-width:720px){.top .wrap .lang{margin-left:auto;margin-right:10px}.top .lang label{height:44px;padding:0 14px;max-width:150px;overflow:hidden}.top .lang .lnote{display:none}}
/* translated menus run longer than English: the logo never shrinks and the menu may wrap to a second line */
@media (min-width:721px){.top .wrap .brand{flex-shrink:0}.top .wrap .nav{flex-wrap:wrap;justify-content:flex-end;min-width:0;row-gap:0}html.tr-on .top .nav a{letter-spacing:.06em;padding:8px 7px}}
.calc>*{min-width:0}.calc .out{overflow-wrap:anywhere}
.calc .out .sz-row{grid-template-columns:repeat(auto-fit,minmax(170px,1fr))}
.top .lang .lnote{display:none}
.top .lang label{height:34px;padding:0 12px;font-size:11.5px;letter-spacing:.1em}
@media (min-width:721px) and (max-width:1200px){html.tr-on .top .nav a{font-size:11px;padding:6px 6px;letter-spacing:.04em}}
@media (max-width:720px){.top .lang label{height:44px;padding:0 14px}}
@media (min-width:1201px){.top .nav a{padding:10px 7px}.top .nav a.btn{margin-left:8px}.top .wrap .lang{margin-left:8px}}
@media (min-width:1201px){.top .wrap{column-gap:14px}.top .nav{column-gap:0}.top .nav a{letter-spacing:.1em;padding:10px 6px}}
/* ===== one face everywhere (Sam 10/26: all one font, readable, no heavy "bubble" display letters; J.P. Morgan-style light headings) ===== */
button,input,select,textarea,option,.btn{font-family:var(--font)}
h1,h2,.hero h1,.hero.sub h1,.sec-head h2,.cta h2{font-weight:300;letter-spacing:-0.01em}
h3,h4,.sp h3,.tl h3,.pcard h3,.tbl.stack td:first-child{font-weight:600}
.pr b,.pr .price,.stats .n,.stats b,.stats strong,.deal .amt,.cl-fact h3,.cl-h,.cl-box h3,.res .v,.verdict b,.glance b{font-weight:400}
.lead b,.hero .lead b{font-weight:600}
body{font-size:17px;line-height:1.6}
/* ===== website chat (chat.js): a dot in the corner and a panel ===== */
.chatw{position:fixed;right:22px;bottom:22px;z-index:70;font-family:var(--font)}
.chat-dot{width:60px;height:60px;border-radius:50%;border:0;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;cursor:pointer;box-shadow:0 10px 26px rgba(10,41,77,.28);transition:transform .15s,background .15s}
.chat-dot:hover{transform:translateY(-2px);background:var(--navy-d)}
.chatw.open .chat-dot{display:none}
.chat-panel{position:absolute;right:0;bottom:0;width:380px;height:min(600px,calc(100vh - 120px));background:#fff;border:1px solid var(--line-2);box-shadow:0 24px 60px rgba(10,41,77,.22);display:flex;flex-direction:column}
.chat-panel[hidden]{display:none}
.chat-panel header{display:flex;justify-content:space-between;align-items:flex-start;padding:16px 18px;background:var(--navy);color:#fff}
.chat-panel header b{display:block;font-size:16px;font-weight:600}.chat-panel header span{font-size:13px;color:#C7D0E4}
.chat-x{background:none;border:0;color:#fff;font-size:26px;line-height:1;cursor:pointer;padding:0 2px}
.chat-log{flex:1;overflow-y:auto;padding:16px;display:flex;flex-direction:column;gap:10px;background:var(--paper)}
.cm{max-width:86%;padding:10px 13px;font-size:15px;line-height:1.5;border-radius:14px}
.cm p{margin:0 0 6px}.cm p:last-child{margin:0}.cm ul{margin:4px 0;padding-left:18px}.cm a{color:var(--navy);text-decoration:underline}
.cm.bot{align-self:flex-start;background:#fff;border:1px solid var(--line-2);border-bottom-left-radius:4px;color:var(--ink)}
.cm.me{align-self:flex-end;background:var(--navy);color:#fff;border-bottom-right-radius:4px;white-space:pre-wrap}
.cm.err{border-color:#E8C4C4;color:#7A1F1F}
.cm.typing{display:flex;gap:4px;padding:13px}.cm.typing i{width:7px;height:7px;border-radius:50%;background:var(--mute);animation:chatdot 1s infinite}.cm.typing i:nth-child(2){animation-delay:.15s}.cm.typing i:nth-child(3){animation-delay:.3s}
@keyframes chatdot{0%,60%,100%{opacity:.25}30%{opacity:1}}
.chat-chips{display:flex;flex-wrap:wrap;gap:8px;padding:0 16px 10px;background:var(--paper)}
.chat-chips:empty{display:none}
.chat-chips button{border:1px solid var(--navy);background:#fff;color:var(--navy);border-radius:999px;padding:7px 12px;font-size:13px;cursor:pointer;font-family:var(--font)}
.chat-chips button:hover{background:var(--navy);color:#fff}
.chat-in{display:flex;gap:8px;padding:12px;border-top:1px solid var(--line-2);background:#fff}
.chat-in textarea{flex:1;resize:none;border:1px solid var(--line);padding:10px 12px;font-size:15px;line-height:1.4;max-height:120px;font-family:var(--font)}
.chat-in button{width:44px;border:0;background:var(--navy);color:#fff;font-size:18px;cursor:pointer}
.chat-fine{margin:0;padding:0 14px 10px;font-size:11.5px;color:var(--mute);background:#fff}
@media (max-width:720px){
  .chatw{right:16px;bottom:16px}
  .chat-dot{width:56px;height:56px}
  .chatw.open{left:0;right:0;top:0;bottom:0}
  .chat-panel{position:fixed;inset:0;width:auto;height:auto;border:0}
  .chat-in textarea{font-size:16px}
}
.chat-panel{padding:0;scroll-margin:0}
.cm.note{align-self:stretch;max-width:none;background:#EEF2F8;border:1px solid #D5DEEC;color:var(--navy);font-size:14px;border-radius:8px}
.chat-flash{animation:chatflash 1.8s ease-out}
@keyframes chatflash{0%{box-shadow:0 0 0 0 rgba(10,41,77,.45)}30%{box-shadow:0 0 0 8px rgba(10,41,77,.18)}100%{box-shadow:0 0 0 0 rgba(10,41,77,0)}}
@media (min-width:721px){.top .wrap{justify-content:flex-start}.top .wrap .nav{margin-left:auto}.top .wrap .lang{margin-left:12px}}