/* =============================================
   DRAFT-D SITE STYLES — Apple-Inspired Light Theme
   ============================================= */

/* === Reset & Base === */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',sans-serif;color:#1d1d1f;background:#ffffff;line-height:1.7;font-size:16px}
img{max-width:100%;height:auto;display:block}
a{color:#0066cc;text-decoration:none;transition:color .2s}
a:hover{color:#2997ff}
h1,h2,h3,h4{font-family:'DM Serif Display',serif;font-weight:400;color:#1d1d1f;line-height:1.12}
h1{font-size:2.2rem;margin-bottom:1rem}
h2{font-size:1.75rem;margin-bottom:.75rem}
h3{font-size:1.3rem;margin-bottom:.5rem}
p{margin-bottom:1rem}
blockquote{border-left:3px solid #0066cc;padding:1rem 1.5rem;margin:1.5rem 0;background:#f5f5f7;font-style:italic;border-radius:0 12px 12px 0}
.container{max-width:1120px;margin:0 auto;padding:0 24px}

/* === Buttons === */
.btn{display:inline-block;padding:.75rem 1.75rem;border-radius:50px;font-weight:600;font-size:1rem;cursor:pointer;border:none;transition:all .3s;text-align:center;font-family:'DM Sans',sans-serif}
.btn-primary{background:linear-gradient(135deg,#0066cc,#2997ff);color:#fff;box-shadow:0 2px 12px rgba(41,151,255,.25)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 4px 20px rgba(41,151,255,.4);color:#fff}
.btn-outline{background:transparent;border:1px solid #d2d2d7;color:#1d1d1f}
.btn-outline:hover{background:rgba(0,0,0,.04);color:#1d1d1f}
.btn-lg{padding:1rem 2.25rem;font-size:1.1rem}
.btn-glow{background:linear-gradient(135deg,#0066cc,#2997ff);color:#fff;padding:15px 36px;border-radius:50px;font-weight:600;font-size:1rem;display:inline-block;box-shadow:0 4px 24px rgba(41,151,255,.28);transition:all .3s}
.btn-glow:hover{transform:translateY(-2px);box-shadow:0 8px 32px rgba(41,151,255,.38);color:#fff}
.btn-ghost{background:rgba(0,0,0,.04);color:#1d1d1f;padding:15px 36px;border-radius:50px;font-weight:500;font-size:1rem;border:1px solid #d2d2d7;display:inline-block;transition:all .3s}
.btn-ghost:hover{background:rgba(0,0,0,.08);color:#1d1d1f}

/* ===== TOP BAR (scrolls away) ===== */
.top-bar{position:relative;top:0;left:0;right:0;width:100%;height:32px;background:#1d1d1f;z-index:50;display:flex;align-items:center;justify-content:space-between;padding:0 24px}
.top-bar-left{display:flex;align-items:center;gap:16px}
.top-bar-left span{font-size:.7rem;color:rgba(255,255,255,.7);font-weight:400;letter-spacing:.01em}
.top-bar-right{display:flex;align-items:center;gap:16px}
.top-bar-right span{font-size:.7rem;color:rgba(255,255,255,.5);font-weight:400}
.top-bar .lang-switch{color:rgba(255,255,255,.8);font-size:.72rem;font-weight:500;background:rgba(255,255,255,.1);padding:2px 10px;border-radius:4px;text-decoration:none;transition:all .2s}
.top-bar .lang-switch:hover{background:rgba(255,255,255,.2);color:#fff}

/* ===== HEADER (sticky) ===== */
.glow-top{position:fixed;top:0;left:0;right:0;height:220px;background:radial-gradient(ellipse at 50% -30%,rgba(0,102,204,.08) 0%,transparent 70%);pointer-events:none;z-index:99}
.header{position:fixed;top:44px;transition:top .3s ease;left:50%;transform:translateX(-50%);width:calc(100% - 48px);max-width:1100px;z-index:100;background:rgba(255,255,255,.85);backdrop-filter:saturate(180%) blur(20px);-webkit-backdrop-filter:saturate(180%) blur(20px);border-radius:16px;border:1px solid rgba(0,0,0,.06);box-shadow:0 0 0 .5px rgba(0,0,0,.03),0 8px 40px rgba(0,0,0,.08),inset 0 .5px 0 rgba(255,255,255,.8)}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:62px;padding:0 16px}
.brand{display:flex;align-items:center;gap:12px}
.brand-photo{width:44px;height:44px;border-radius:50%;object-fit:cover;box-shadow:0 2px 10px rgba(0,102,204,.18);border:2px solid rgba(0,102,204,.12)}
.brand-info h1{font-size:1.05rem;letter-spacing:-.01em;color:#1d1d1f;line-height:1.2;margin-bottom:0}
.brand-info .agent-title{font-family:'DM Sans',sans-serif;font-size:.65rem;color:#86868b;font-weight:400;letter-spacing:.02em}

/* Hamburger menu */
.menu-toggle{display:flex;flex-direction:column;gap:4px;cursor:pointer;padding:8px;border:none;background:none;position:relative}
.menu-toggle span{display:block;width:18px;height:2px;background:#6e6e73;border-radius:2px;transition:all .3s}
.menu-toggle:hover span{background:#1d1d1f}
.nav-drawer{position:fixed;top:0;right:-320px;width:300px;height:100vh;background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(30px);-webkit-backdrop-filter:saturate(180%) blur(30px);z-index:200;box-shadow:-8px 0 40px rgba(0,0,0,.12);transition:right .35s cubic-bezier(.22,1,.36,1);padding:80px 32px 32px;overflow-y:auto}
.nav-drawer.open{right:0}
.nav-drawer-overlay{position:fixed;inset:0;background:rgba(0,0,0,.3);z-index:199;opacity:0;pointer-events:none;transition:opacity .3s}
.nav-drawer-overlay.open{opacity:1;pointer-events:all}
.nav-drawer .close-btn{position:absolute;top:20px;right:20px;background:none;border:none;font-size:1.5rem;color:#86868b;cursor:pointer;padding:8px}
.nav-drawer ul{list-style:none;margin-bottom:28px}
.nav-drawer li{border-bottom:1px solid #e5e5ea}
.nav-drawer li a{display:block;padding:16px 0;color:#1d1d1f;font-size:1rem;font-weight:500}
.nav-drawer li a:hover{color:#0066cc}
.nav-drawer .drawer-cta{margin-top:12px}
.nav-drawer .drawer-cta a{display:block;text-align:center;padding:14px;border-radius:14px;font-weight:600;font-size:.95rem;margin-bottom:10px}

.nav-actions{display:flex;align-items:center;gap:14px}
.phone-link{color:#86868b;font-size:.82rem;font-weight:400;white-space:nowrap}
.phone-link:hover{color:#0066cc}
.cta-btn{background:linear-gradient(135deg,#0066cc,#2997ff);color:#fff;padding:7px 18px;border-radius:50px;font-weight:500;font-size:.78rem;box-shadow:0 2px 12px rgba(41,151,255,.25);transition:all .3s;cursor:pointer;border:none;font-family:'DM Sans',sans-serif}
.cta-btn:hover{transform:scale(1.04);box-shadow:0 4px 20px rgba(41,151,255,.4);color:#fff}
.header-cta-scroll{opacity:0;max-width:0;padding:0;overflow:hidden;pointer-events:none;transition:opacity .3s,max-width .3s,padding .3s}
.header-cta-scroll.is-visible{opacity:1;max-width:200px;padding:7px 18px;pointer-events:all}

/* Rates strip with tooltip */
.rates-row{display:flex;justify-content:center;align-items:center;gap:20px;padding:8px 0 6px;border-top:1px solid rgba(0,0,0,.06);margin:0 16px}
.rates-row span{font-size:.68rem;color:#86868b;letter-spacing:.02em}
.rates-row strong{color:#005BAA;font-weight:500}
.rates-tooltip-wrap{position:relative;display:inline-flex;align-items:center;gap:4px}
.rates-tooltip-icon{display:inline-flex;align-items:center;justify-content:center;width:14px;height:14px;border-radius:50%;background:#e5e5ea;color:#86868b;font-size:.6rem;font-weight:700;cursor:help;flex-shrink:0}
.rates-tooltip{position:absolute;bottom:calc(100% + 8px);left:50%;transform:translateX(-50%);background:#1d1d1f;color:#fff;padding:12px 16px;border-radius:12px;font-size:.72rem;line-height:1.5;width:280px;opacity:0;pointer-events:none;transition:opacity .25s;z-index:50;box-shadow:0 4px 20px rgba(0,0,0,.2)}
.rates-tooltip::after{content:'';position:absolute;top:100%;left:50%;transform:translateX(-50%);border:6px solid transparent;border-top-color:#1d1d1f}
.rates-tooltip-wrap:hover .rates-tooltip{opacity:1;pointer-events:all}

/* ===== HERO ===== */
.hero{padding:140px 0 60px;text-align:center;position:relative;overflow:hidden;background:#ffffff}
.hero-glow{position:absolute;width:1000px;height:700px;top:-100px;left:50%;transform:translateX(-50%);background:radial-gradient(ellipse,rgba(0,102,204,.07) 0%,rgba(0,40,120,.03) 40%,transparent 70%);filter:blur(50px);pointer-events:none}
.hero-glow-2{position:absolute;width:500px;height:400px;top:50px;right:5%;background:radial-gradient(ellipse,rgba(0,91,170,.04) 0%,transparent 70%);filter:blur(50px);pointer-events:none}
.hero .headline{font-size:3.8rem;max-width:800px;margin:0 auto;letter-spacing:-.04em;line-height:1.08;position:relative;z-index:1;color:#1d1d1f}
.hero .headline .gradient-text{background:linear-gradient(135deg,#1d1d1f,#0066cc);-webkit-background-clip:text;-webkit-text-fill-color:transparent;background-clip:text}
.hero-body{margin-top:28px;position:relative;z-index:1}
.hero-body p{color:#6e6e73;font-size:1.1rem;font-weight:300;max-width:540px;margin:0 auto 32px;line-height:1.65}
.hero-actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* ===== DLC BRANDING ===== */
.dlc-strip{padding:14px 0;border-top:1px solid #e5e5ea;border-bottom:1px solid #e5e5ea;background:#fafafa;text-align:center}
.dlc-strip-inner{display:flex;align-items:center;justify-content:center;gap:10px}
.dlc-icon{height:20px;width:auto;opacity:.6}
.dlc-strip p{font-size:.78rem;color:#86868b;font-weight:400;margin:0}
.dlc-strip strong{color:#6e6e73;font-weight:500}

/* ===== TRUST STRIP ===== */
.trust-strip{padding:56px 0;background:#ffffff}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;text-align:center}
.trust-item .num{font-family:'DM Serif Display',serif;font-size:2.4rem;color:#005BAA;letter-spacing:-.02em}
.trust-item .desc{font-size:.82rem;color:#86868b;margin-top:4px}
.trust-link{text-decoration:none;color:inherit;display:block;cursor:pointer;transition:opacity .2s}
.trust-link:hover{opacity:.7}

/* ===== SECTIONS ===== */
.section{padding:100px 0;background:#ffffff}
.section-alt{background:#f5f5f7}
.section-title{font-size:2.8rem;text-align:center;margin-bottom:14px;letter-spacing:-.03em;color:#1d1d1f}
.section-sub{text-align:center;color:#6e6e73;font-size:1.05rem;font-weight:300;max-width:580px;margin:0 auto 56px;line-height:1.6}

/* ===== STEPS ===== */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;max-width:960px;margin:0 auto}
.step-card{background:#ffffff;border:1px solid #e5e5ea;border-radius:24px;padding:40px 28px;text-align:center;position:relative;box-shadow:0 2px 16px rgba(0,0,0,.04)}
.step-num{position:absolute;top:16px;right:20px;font-family:'DM Serif Display',serif;font-size:3rem;color:rgba(0,0,0,.04);line-height:1}
.step-icon{font-size:2.2rem;margin-bottom:16px}
.step-card h3{font-size:1.2rem;margin-bottom:8px;color:#1d1d1f}
.step-card p{color:#6e6e73;font-size:.88rem;line-height:1.6;text-align:left}

/* ===== INLINE REVIEW ===== */
.inline-review{max-width:720px;margin:0 auto;background:#f5f5f7;border-radius:20px;padding:40px 44px;text-align:center}
.inline-review-header{display:flex;align-items:center;justify-content:center;gap:10px;margin-bottom:16px}
.inline-review-g{width:24px;height:24px;background:#fff;border-radius:6px;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.72rem;color:#4285f4;border:1px solid #e5e5ea}
.inline-review-stars{color:#fbbc04;font-size:1rem;letter-spacing:-1px}
.inline-review blockquote{font-size:1.05rem;color:#1d1d1f;line-height:1.7;font-style:italic;margin:0 0 16px;border:none;padding:0;background:none;border-radius:0}
.inline-review cite{font-size:.85rem;color:#86868b;font-style:normal;font-weight:500}

/* ===== VALUE PROPS ===== */
.value-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.value-card{background:#ffffff;border:1px solid #e5e5ea;border-radius:24px;padding:40px 28px;position:relative;overflow:hidden;transition:all .4s;box-shadow:0 2px 16px rgba(0,0,0,.04)}
.value-card::before{content:'';position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,rgba(0,102,204,.2),transparent);opacity:0;transition:opacity .4s}
.value-card:hover{background:#fafafa;transform:translateY(-4px);box-shadow:0 8px 32px rgba(0,0,0,.08)}
.value-card:hover::before{opacity:1}
.value-icon{font-size:2rem;margin-bottom:16px;display:block}
.value-card h3{font-size:1.15rem;margin-bottom:8px;color:#1d1d1f}
.value-card p{color:#6e6e73;font-size:.88rem;line-height:1.65}

/* ===== REVIEWS ===== */
.reviews-header{display:flex;align-items:center;gap:12px;justify-content:center;margin-bottom:40px}
.g-icon{width:28px;height:28px;background:#fff;border-radius:6px;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.8rem;color:#4285f4;border:1px solid #e5e5ea}
.reviews-stars{color:#fbbc04;font-size:1rem;letter-spacing:-1px}
.reviews-meta{font-size:.85rem;color:#86868b}
.reviews-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.review-card{background:#ffffff;border:1px solid #e5e5ea;border-radius:20px;padding:28px;box-shadow:0 2px 12px rgba(0,0,0,.04)}
.review-author{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.review-avatar{width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,#0066cc,#2997ff);display:flex;align-items:center;justify-content:center;font-size:.95rem;font-weight:600;color:#fff;flex-shrink:0}
.review-name{font-size:.9rem;font-weight:500;color:#1d1d1f}
.review-loc{font-size:.72rem;color:#86868b}
.review-stars{color:#fbbc04;font-size:.85rem;margin-bottom:10px}
.review-text{font-size:.88rem;color:#6e6e73;line-height:1.6;font-style:italic}
.owner-reply{margin-top:14px;padding:10px 14px;background:#007AFF;border-radius:18px 18px 4px 18px;position:relative;max-width:90%;margin-left:auto}
.owner-reply::after{content:'';position:absolute;bottom:0;right:-6px;width:12px;height:12px;background:#007AFF;clip-path:polygon(0 0,0 100%,100% 100%);border-radius:0 0 0 2px}
.owner-reply-name{font-size:.7rem;font-weight:500;color:rgba(255,255,255,.7);margin-bottom:2px}
.owner-reply p{font-size:.82rem;color:#fff;line-height:1.5;font-style:normal;margin:0}
.google-review-photo{width:40px;height:40px;border-radius:50%;object-fit:cover;flex-shrink:0}

/* ===== CTA ===== */
.cta-section{padding:100px 0;text-align:center;position:relative;overflow:hidden;background:#EBF5FF}
.cta-glow{position:absolute;width:800px;height:600px;top:50%;left:50%;transform:translate(-50%,-50%);background:radial-gradient(ellipse,rgba(0,102,204,.06) 0%,transparent 65%);filter:blur(60px);pointer-events:none}

/* ===== CONSULTATION ===== */
.consult-card{max-width:600px;margin:0 auto;text-align:center;padding:0}
.consult-card h3{font-family:'DM Serif Display',serif;font-size:2.2rem;font-weight:400;margin-bottom:16px;color:#1d1d1f;letter-spacing:-.02em;line-height:1.15}
.consult-card>p{color:#6e6e73;font-size:1rem;line-height:1.65;margin-bottom:32px;font-weight:300}
.consult-checklist{list-style:none;margin-bottom:36px;display:inline-flex;gap:28px}
.consult-checklist li{color:#1d1d1f;font-size:.88rem;font-weight:500;display:flex;align-items:center;gap:8px}
.consult-checklist li::before{content:'';width:6px;height:6px;border-radius:50%;background:#0066cc;flex-shrink:0}

/* ===== CALCULATOR ===== */
.calc-widget{background:#ffffff;border:1px solid #e5e5ea;border-radius:24px;padding:40px;max-width:560px;margin:0 auto;box-shadow:0 4px 24px rgba(0,0,0,.06)}
.calc-form{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.calc-group{display:flex;flex-direction:column}
.calc-group label{font-size:.78rem;color:#86868b;margin-bottom:4px;font-weight:500}
.calc-group input,.calc-group select{background:#f5f5f7;border:1px solid #e5e5ea;border-radius:12px;padding:12px 14px;color:#1d1d1f;font-size:1rem;font-family:'DM Sans',sans-serif}
.calc-group input:focus,.calc-group select:focus{outline:none;border-color:rgba(0,102,204,.4);background:#fff}
.calc-group select option{background:#ffffff;color:#1d1d1f}
.calc-btn{grid-column:1/-1;background:linear-gradient(135deg,#0066cc,#2997ff);color:#fff;padding:13px;border-radius:14px;font-weight:600;font-size:.95rem;border:none;cursor:pointer;transition:all .3s;font-family:'DM Sans',sans-serif}
.calc-btn:hover{box-shadow:0 4px 20px rgba(41,151,255,.3)}
.calc-result{display:flex;align-items:center;justify-content:center;gap:12px;margin-top:24px;padding:24px;background:#EBF5FF;border-radius:16px;border:1px solid rgba(0,102,204,.1)}
.calc-label{color:#6e6e73;font-weight:500}
.calc-payment{font-family:'DM Serif Display',serif;font-size:2.2rem;color:#005BAA}

/* ===== LENDERS (greyscale → color) ===== */
.lenders-section{padding:100px 0;background:#ffffff}
.lender-tabs{display:flex;justify-content:center;gap:8px;margin-bottom:40px}
.lender-tab{padding:9px 22px;border:1px solid #e5e5ea;border-radius:50px;background:transparent;color:#86868b;font-size:.85rem;font-weight:500;cursor:pointer;font-family:'DM Sans',sans-serif;transition:all .2s}
.lender-tab.is-active{background:#ffffff;color:#1d1d1f;border-color:#d1d1d6;box-shadow:0 2px 8px rgba(0,0,0,.06)}
.lender-panel{display:none;justify-content:center;align-items:center;gap:48px;min-height:80px}
.lender-panel.is-active{display:flex}
.lender-logo{height:44px;width:auto;max-width:180px;object-fit:contain;filter:grayscale(100%);opacity:.45;transition:filter .6s ease,opacity .6s ease}
.lender-logo:hover,.lender-logo.is-highlighted{filter:none;opacity:1}

/* ===== PERSONA SELECTOR ===== */
.persona-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;max-width:960px;margin:0 auto}
.persona-card{display:flex;flex-direction:column;align-items:center;text-align:center;padding:36px 24px 28px;background:#fff;border-radius:20px;border:1px solid #e5e5ea;text-decoration:none;transition:all .3s;position:relative;box-shadow:0 2px 12px rgba(0,0,0,.03);cursor:pointer}
.persona-card:hover{transform:translateY(-4px);box-shadow:0 8px 32px rgba(0,0,0,.08);border-color:#d2d2d7}
.persona-icon-wrap{width:52px;height:52px;border-radius:14px;background:#f5f5f7;display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.persona-card h3{font-family:'DM Sans',sans-serif;font-size:.95rem;font-weight:600;color:#1d1d1f;margin-bottom:8px;line-height:1.3}
.persona-card p{font-size:.82rem;color:#86868b;line-height:1.55;flex:1}
.persona-arrow{font-size:1.1rem;color:#0066cc;margin-top:14px;opacity:0;transition:opacity .3s,transform .3s;transform:translateX(-4px)}
.persona-card:hover .persona-arrow{opacity:1;transform:translateX(0)}
.router-question{font-family:'DM Serif Display',serif;font-size:1.8rem;text-align:center;color:#1d1d1f;margin-bottom:32px;letter-spacing:-.02em}
.router-options-list{max-width:520px;margin:0 auto;display:flex;flex-direction:column;gap:8px}
.router-link{display:block;padding:16px 24px;background:#fff;border:1px solid #e5e5ea;border-radius:14px;color:#1d1d1f;font-size:.95rem;font-weight:500;text-decoration:none;transition:all .2s;text-align:left}
.router-link:hover{background:#EBF4FF;border-color:rgba(0,102,204,.25);color:#0066cc;transform:translateX(4px)}
.router-back{display:block;margin:24px auto 0;background:none;border:none;color:#86868b;font-size:.88rem;font-weight:500;cursor:pointer;font-family:'DM Sans',sans-serif;transition:color .2s}
.router-back:hover{color:#0066cc}

/* ===== FAQ ===== */
.faq-list{max-width:760px;margin:0 auto}
.faq-item{border-bottom:1px solid #e5e5ea}
.faq-question{display:flex;justify-content:space-between;align-items:center;width:100%;padding:22px 0;background:none;border:none;cursor:pointer;font-size:1rem;font-weight:500;color:#6e6e73;text-align:left;font-family:'DM Sans',sans-serif;transition:color .2s}
.faq-question:hover{color:#1d1d1f}
.faq-icon{color:#86868b;font-size:1.3rem;transition:transform .3s}
.faq-answer{max-height:0;overflow:hidden;transition:max-height .35s ease}
.faq-answer p{padding:0 0 22px;color:#86868b;font-size:.92rem;line-height:1.7}

/* ===== MAP ===== */
.map-text-layout{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start;margin-bottom:48px}
.map-text h3{font-family:'DM Serif Display',serif;font-size:1.6rem;font-weight:400;color:#1d1d1f;margin-bottom:16px;letter-spacing:-.01em}
.map-text p{color:#6e6e73;font-size:.92rem;line-height:1.7;margin-bottom:16px}
.map-text p strong{color:#1d1d1f;font-weight:600}
.map-container{width:100%;height:380px;border-radius:20px;overflow:hidden;border:1px solid #e5e5ea;box-shadow:0 4px 24px rgba(0,0,0,.06);position:sticky;top:120px}
.area-group{margin-bottom:24px}
.area-group-title{font-size:.78rem;font-weight:600;color:#1d1d1f;letter-spacing:.04em;text-transform:uppercase;margin-bottom:4px}
.area-link{color:#0066cc;text-decoration:none;font-weight:500;transition:color .2s}
.area-link:hover{color:#2997ff}
.area-desc{font-size:.8rem;color:#86868b;margin:0 0 10px}
.towns-grid{display:flex;flex-wrap:wrap;gap:6px}
.town-pill{background:#ffffff;border:1px solid #e5e5ea;padding:7px 16px;border-radius:50px;font-size:.8rem;color:#6e6e73;transition:all .25s;cursor:pointer;text-decoration:none}
.town-pill:hover{background:#EBF4FF;border-color:rgba(0,102,204,.25);color:#0066cc}
.town-pill.is-home{background:#EBF4FF;border-color:rgba(0,102,204,.25);color:#0066cc;font-weight:500}

/* ===== FOOTER ===== */
.footer{border-top:1px solid #e5e5ea;padding:56px 0 28px;background:#f5f5f7}
.footer-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:36px;margin-bottom:36px}
.footer h3{font-family:'DM Sans',sans-serif;font-weight:600;font-size:.88rem;color:#6e6e73;margin-bottom:14px}
.footer ul{list-style:none}
.footer li{margin-bottom:8px}
.footer li a{color:#86868b;font-size:.82rem}
.footer li a:hover{color:#0066cc}
.footer-contact p{font-size:.82rem;color:#86868b;line-height:1.65}
.footer-bottom{border-top:1px solid #e5e5ea;padding-top:22px;text-align:center}
.footer-bottom p{font-size:.75rem;color:#86868b;margin:0}
.footer-bottom a{color:#86868b}

/* ===== CONTENT PAGES (articles, guides, tools) ===== */
.page-header{background:#f5f5f7;padding:120px 0 40px;text-align:center;border-bottom:1px solid #e5e5ea}
.page-header h1{color:#1d1d1f;margin-bottom:0;font-size:2.4rem;letter-spacing:-.03em}
.page-header .page-subtitle{color:#6e6e73;font-size:1.05rem;margin-top:12px;font-weight:300}
.page-banner{background-size:cover;background-position:center;padding:120px 0 40px;position:relative;text-align:center}
.page-banner::after{content:'';position:absolute;inset:0;background:rgba(0,0,0,.5)}
.page-banner .container{position:relative;z-index:1}
.page-banner h1{color:#fff}
.content-grid{display:grid;grid-template-columns:1fr 340px;gap:48px;padding-top:56px;padding-bottom:56px}
.content-main{min-width:0}
.content-main h2{margin-top:2rem;color:#1d1d1f;font-size:1.6rem}
.content-main h3{color:#1d1d1f;font-size:1.2rem;margin-top:1.5rem}
.content-main ul,.content-main ol{margin:1rem 0;padding-left:1.5rem}
.content-main li{margin-bottom:.5rem;color:#6e6e73}
.content-main a{color:#0066cc}
.content-main a:hover{color:#2997ff}

/* === Sidebar === */
.content-sidebar{position:sticky;top:120px;align-self:start}
.contact-form-box{background:#f5f5f7;border:1px solid #e5e5ea;border-radius:20px;padding:28px;margin-bottom:24px}
.contact-form-box h3{color:#1d1d1f;margin-bottom:16px;font-size:1.15rem}
.form-group{margin-bottom:16px}
.form-group label{display:block;font-size:.78rem;font-weight:500;margin-bottom:4px;color:#86868b}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:12px 14px;border:1px solid #e5e5ea;border-radius:12px;font-size:.95rem;font-family:'DM Sans',sans-serif;background:#fff;color:#1d1d1f;transition:border-color .2s}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:rgba(0,102,204,.4)}
.form-group textarea{resize:vertical}
.sidebar-nav{background:#f5f5f7;border:1px solid #e5e5ea;border-radius:20px;padding:24px}
.sidebar-nav h3{font-size:1rem;margin-bottom:12px;color:#1d1d1f}
.sidebar-nav ul{list-style:none}
.sidebar-nav li{border-bottom:1px solid #e5e5ea}
.sidebar-nav li:last-child{border:none}
.sidebar-nav li a{display:block;padding:10px 0;font-size:.88rem;color:#6e6e73}
.sidebar-nav li a:hover{color:#0066cc}
.sidebar-nav li.active a{color:#0066cc;font-weight:600}

/* === Blog List === */
.list-item{padding:24px 0;border-bottom:1px solid #e5e5ea}
.list-item h2{font-size:1.3rem;margin-bottom:8px}
.list-item h2 a{color:#1d1d1f}
.list-item h2 a:hover{color:#0066cc}
.list-item p{color:#6e6e73;font-size:.92rem}
.read-more{font-weight:600;font-size:.88rem;color:#0066cc}
.post-meta{font-size:.82rem;color:#86868b;margin-bottom:.5rem}

/* === Page CTA === */
.page-cta{margin-top:2rem;padding-top:2rem;border-top:1px solid #e5e5ea;text-align:center}

/* === Rates Banner (for inner pages) === */
.rates-banner{padding:20px 0;background:#f5f5f7;border-bottom:1px solid #e5e5ea}
.rates-inner{display:flex;align-items:center;justify-content:center;gap:24px;flex-wrap:wrap}
.rates-heading{text-align:center}
.rates-heading h3{font-family:'DM Sans',sans-serif;font-size:.85rem;font-weight:600;color:#1d1d1f;margin-bottom:2px}
.rates-heading .rates-updated{font-size:.72rem;color:#86868b}
.rates-grid{display:flex;gap:12px;align-items:center}
.rate-chip{background:#fff;border:1px solid #e5e5ea;border-radius:12px;padding:8px 16px;text-align:center}
.rate-term{font-size:.72rem;color:#86868b;display:block}
.rate-value{font-size:1.1rem;font-weight:600;color:#005BAA;font-family:'DM Serif Display',serif}
.rates-cta{text-align:center;margin-top:12px}
.rates-cta p{font-size:.82rem;color:#6e6e73;margin:0}
.rates-cta a{color:#0066cc;font-weight:500}
.rates-disclaimer{font-size:.72rem;color:#86868b;text-align:center;margin-top:12px}
.rates-disclaimer a{color:#0066cc}
.rates-renewal-note{margin-top:8px}
.rates-live-check{color:#34c759}
.rates-stale-warn{color:#ff9500}

/* Tooltip for rates */
.rate-chip.has-tooltip{position:relative}
.tooltip-trigger{display:inline-flex;align-items:center;justify-content:center;width:14px;height:14px;border-radius:50%;background:#e5e5ea;color:#86868b;font-size:.6rem;font-weight:700;cursor:help;vertical-align:middle;margin-left:4px}
.rate-tooltip{display:none;position:absolute;bottom:calc(100% + 8px);left:50%;transform:translateX(-50%);background:#1d1d1f;color:#fff;padding:12px 16px;border-radius:12px;font-size:.72rem;line-height:1.5;width:280px;z-index:50;box-shadow:0 4px 20px rgba(0,0,0,.2)}
.rate-chip.has-tooltip:hover .rate-tooltip{display:block}

/* === Apply FAB === */
.apply-fab{position:fixed;bottom:24px;right:24px;z-index:150}
.apply-fab-toggle{display:flex;align-items:center;gap:8px;background:linear-gradient(135deg,#0066cc,#2997ff);color:#fff;padding:12px 20px;border-radius:50px;border:none;cursor:pointer;font-family:'DM Sans',sans-serif;font-size:.88rem;font-weight:600;box-shadow:0 4px 24px rgba(41,151,255,.3);transition:all .3s}
.apply-fab-toggle:hover{transform:scale(1.04);box-shadow:0 6px 28px rgba(41,151,255,.4)}
.apply-fab-icon{font-size:1.1rem}
.apply-fab-panel{display:none;position:absolute;bottom:calc(100% + 12px);right:0;width:320px;background:#fff;border:1px solid #e5e5ea;border-radius:20px;padding:24px;box-shadow:0 8px 40px rgba(0,0,0,.12)}
.apply-fab.is-open .apply-fab-panel{display:block}
.apply-fab-note{font-size:.85rem;color:#6e6e73;line-height:1.6;margin-bottom:16px}
.apply-fab-note strong{color:#1d1d1f}
.apply-fab-btn{display:block;width:100%;text-align:center;margin-bottom:12px}
.apply-fab-first{font-size:.78rem;color:#86868b;text-align:center;margin:0}
.apply-fab-first a{color:#0066cc}

/* === Tool Pages === */
.tool-page .tool-header{background:#f5f5f7;padding:120px 0 40px;text-align:center;border-bottom:1px solid #e5e5ea}
.tool-page .tool-header h1{color:#1d1d1f;font-size:2.2rem;margin-bottom:.5rem}
.tool-subtitle{font-size:1.05rem;color:#6e6e73;max-width:650px;margin:0 auto;font-weight:300}
.tool-badge{display:inline-block;background:#EBF5FF;color:#0066cc;font-weight:600;padding:.3rem 1rem;border-radius:50px;font-size:.8rem;margin-bottom:1rem;border:1px solid rgba(0,102,204,.15)}
.tool-area{padding:40px 0;background:#fff}
.tool-widget{background:#fff;border:1px solid #e5e5ea;border-radius:24px;padding:40px;max-width:720px;margin:0 auto;box-shadow:0 4px 24px rgba(0,0,0,.06)}
.tool-widget h3{text-align:center;margin-bottom:1.5rem;color:#1d1d1f}
.tool-disclaimer{max-width:720px;margin:1rem auto 0;font-size:.78rem;color:#86868b;text-align:center}

/* === Town Pages === */
.town-page .town-header{background:#f5f5f7;padding:120px 0 40px;text-align:center;border-bottom:1px solid #e5e5ea}
.town-page .town-header h1{color:#1d1d1f}

/* === Landing page layout === */
.landing-page .content-grid{grid-template-columns:1fr}
.landing-page .content-main{max-width:800px;margin:0 auto}

/* ===== RESPONSIVE ===== */
@media(max-width:768px){
  .top-bar{padding:0 12px;height:auto;flex-wrap:wrap;padding:6px 12px;gap:4px}
  .header{width:calc(100% - 24px)}
  .header-inner{height:56px;padding:0 12px}
  .brand-photo{width:38px;height:38px}
  .hero{padding:120px 0 40px}
  .hero .headline{font-size:2.2rem}
  .trust-grid{grid-template-columns:repeat(2,1fr);gap:16px}
  .steps-grid{grid-template-columns:1fr}
  .value-grid{grid-template-columns:1fr}
  .reviews-grid{grid-template-columns:1fr}
  .calc-form{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:repeat(2,1fr)}
  .hero-actions{flex-direction:column;align-items:center}
  .inline-review{padding:28px 24px}
  .consult-card{padding:32px 24px}
  .lender-panel.is-active{flex-wrap:wrap;gap:24px}
  .lender-logo{height:36px}
  .rates-row{flex-wrap:wrap;gap:10px}
  .dlc-strip-inner{flex-direction:column;gap:10px}
  .nav-drawer{width:280px}
  .persona-grid{grid-template-columns:repeat(2,1fr)}
  .consult-checklist{flex-direction:column;gap:8px;align-items:center}
  .map-text-layout{grid-template-columns:1fr;gap:32px}
  /* Content pages */
  .page-header{padding:100px 0 32px}
  .page-banner{padding:100px 0 32px}
  .content-grid{grid-template-columns:1fr;gap:32px}
  .content-sidebar{position:static}
  h1{font-size:1.8rem}
  h2{font-size:1.4rem}
  .rates-inner{flex-direction:column;gap:12px}
  .rates-grid{flex-wrap:wrap;justify-content:center}
}
@media(max-width:480px){
  .footer-grid{grid-template-columns:1fr}
  .persona-grid{grid-template-columns:1fr}
}