/* ==========================================================================
   HOMEWISE — "Patriot Premium" design system (plain CSS, no build step)
   Navy #0D2137 · Red #C0392B · Gold #D4AF37 · Oswald headlines / Lato body
   ========================================================================== */

:root {
  --navy: #0D2137;
  --navy-dark: #081422;
  --navy-light: #1a3352;
  --red: #C0392B;
  --red-dark: #a5301f;
  --gold: #D4AF37;
  --gold-light: #e3c766;
  --ink: #1f2937;
  --muted: #5b6573;
  --line: #e5e7eb;
  --bg: #ffffff;
  --bg-alt: #f5f7fa;
  --radius: 10px;
  --shadow-sm: 0 1px 3px rgba(13, 33, 55, .08), 0 1px 2px rgba(13, 33, 55, .06);
  --shadow-md: 0 10px 25px -10px rgba(13, 33, 55, .25);
  --shadow-lg: 0 25px 50px -12px rgba(13, 33, 55, .28);
  --maxw: 1180px;
  --font-head: 'Oswald', 'Arial Narrow', sans-serif;
  --font-body: 'Lato', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: var(--red); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 700;
  letter-spacing: .02em;
  color: var(--navy);
  line-height: 1.12;
  margin: 0 0 .5em;
}
h1 { font-size: clamp(2rem, 5vw, 3.4rem); text-transform: uppercase; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.4rem); text-transform: uppercase; }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1rem; }

.container { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 1.25rem; }
.center { text-align: center; }
.muted { color: var(--muted); }
.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: absolute; left: -999px; top: 0; z-index: 200;
  background: var(--gold); color: var(--navy); padding: .6rem 1rem;
  font-family: var(--font-head); text-transform: uppercase;
}
.skip-link:focus { left: 8px; top: 8px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: .5rem;
  font-family: var(--font-head); font-weight: 600; font-size: 1rem;
  text-transform: uppercase; letter-spacing: .08em;
  padding: .85rem 1.6rem; border-radius: 4px; border: 2px solid transparent;
  cursor: pointer; transition: transform .15s ease, box-shadow .15s ease, background .15s, color .15s;
  text-decoration: none; line-height: 1;
}
.btn:hover { text-decoration: none; transform: translateY(-2px); box-shadow: var(--shadow-md); }
.btn-primary { background: var(--red); color: #fff; }
.btn-primary:hover { background: var(--red-dark); color: #fff; }
.btn-gold { background: var(--gold); color: var(--navy); }
.btn-gold:hover { background: var(--gold-light); color: var(--navy); }
.btn-outline { border-color: var(--navy); color: var(--navy); background: transparent; }
.btn-outline:hover { background: var(--navy); color: #fff; }
.btn-outline-light { border-color: rgba(255,255,255,.45); color: #fff; background: transparent; }
.btn-outline-light:hover { background: rgba(255,255,255,.12); color: #fff; }
.btn-sm { padding: .55rem 1rem; font-size: .85rem; }

.icon { width: 1em; height: 1em; flex: 0 0 auto; vertical-align: -.125em; }

/* ---------- Header / Nav ---------- */
.site-header { position: sticky; top: 0; z-index: 100; box-shadow: 0 4px 6px -1px rgba(0,0,0,.25); }
/* ---------- Rate ticker (top of every page) ---------- */
.rate-ticker {
  display: flex; align-items: stretch; height: 34px; overflow: hidden;
  background: var(--navy-dark); border-bottom: 1px solid rgba(212,175,55,.18);
}
.ticker-tag {
  flex: 0 0 auto; display: inline-flex; align-items: center; gap: .42rem;
  padding: 0 .9rem; white-space: nowrap;
  background: linear-gradient(135deg, var(--gold), var(--gold-light));
  color: var(--navy); font-family: var(--font-head); font-weight: 700;
  text-transform: uppercase; letter-spacing: .08em; font-size: .66rem;
}
.ticker-dot {
  width: 7px; height: 7px; border-radius: 50%; background: var(--navy);
  animation: ticker-pulse 1.8s ease-out infinite;
}
@keyframes ticker-pulse {
  0%   { box-shadow: 0 0 0 0 rgba(13,33,55,.55); }
  70%  { box-shadow: 0 0 0 7px rgba(13,33,55,0); }
  100% { box-shadow: 0 0 0 0 rgba(13,33,55,0); }
}
.ticker-viewport { flex: 1 1 auto; overflow: hidden; display: flex; align-items: center; }
.ticker-track {
  display: inline-flex; white-space: nowrap; will-change: transform;
  animation: ticker-scroll 42s linear infinite;
}
.rate-ticker:hover .ticker-track { animation-play-state: paused; }
@keyframes ticker-scroll {            /* items are rendered twice -> seamless loop */
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
.ticker-item { display: inline-flex; align-items: baseline; gap: .42rem; padding: 0 1.5rem; position: relative; }
.ticker-item::after {
  content: ""; position: absolute; right: 0; top: 50%; transform: translateY(-50%);
  height: 11px; width: 1px; background: rgba(255,255,255,.15);
}
.ticker-label { color: rgba(255,255,255,.6); text-transform: uppercase; letter-spacing: .06em; font-size: .66rem; font-family: var(--font-head); }
.ticker-val { color: var(--gold); font-weight: 700; font-size: .82rem; font-family: var(--font-head); letter-spacing: .02em; }
.ticker-chg { font-family: var(--font-head); font-weight: 700; font-size: .72rem; letter-spacing: .01em; }
.ticker-chg.up { color: #3ddc84; }
.ticker-chg.up::before { content: "\25B2 "; font-size: .6em; }
.ticker-chg.down { color: #ff6b6b; }
.ticker-chg.down::before { content: "\25BC "; font-size: .6em; }
.ticker-val.ticker-updated { animation: ticker-flash 1.4s ease; }
@keyframes ticker-flash { 0% { color: #fff; } 100% { color: var(--gold); } }
@media (max-width: 560px) {
  .ticker-tag { font-size: .58rem; padding: 0 .6rem; }
  .ticker-label { font-size: .6rem; }
  .ticker-val { font-size: .74rem; }
}
@media (prefers-reduced-motion: reduce) {
  .ticker-track { animation: none; }
  .ticker-dot { animation: none; }
}

/* Sticky header: pin the nav while the rate ticker (34px) scrolls away. */
.site-header { position: sticky; top: -34px; z-index: 60; }
.nav { background: var(--navy); }
.nav .container { display: flex; align-items: center; justify-content: space-between; padding-top: .7rem; padding-bottom: .7rem; gap: 1rem; }
.logo { display: inline-flex; align-items: center; gap: .6rem; }
.logo:hover { text-decoration: none; }
.logo-mark { width: 46px; height: 46px; display: grid; place-items: center; }
.logo-mark svg, .emblem { width: 46px; height: 46px; }
/* Self-contained circular seal sits directly on the navy nav (no tile). */
.nav .logo-mark { width: 88px; height: 88px; }
.nav .logo-mark .emblem { width: 88px; height: 88px; }
.nav .container { padding-top: .4rem; padding-bottom: .4rem; }
.logo-text { display: inline-flex; flex-direction: column; justify-content: center; gap: .14rem; }
.logo-name { font-family: Georgia, 'Times New Roman', serif; font-weight: 700; color: #fff; font-size: 1.55rem; line-height: 1; letter-spacing: .01em; }
.logo-name .lt-home { color: #fff; }
.logo-name .lt-wise { color: var(--gold); }
.logo-slogan {
  font-family: var(--font-head); text-transform: uppercase; white-space: nowrap;
  letter-spacing: .12em; font-size: .52rem; font-weight: 600; line-height: 1;
  color: rgba(212,175,55,.82);
}
@media (max-width: 700px) { .logo-slogan { display: none; } }

/* Honeypot anti-spam field — hidden from humans, bots tend to fill it. */
.hp-field { position: absolute !important; left: -9999px !important; top: auto; width: 1px; height: 1px; overflow: hidden; opacity: 0; pointer-events: none; }

/* ---------- Educational category tab bar (home + guides) ---------- */
.edu-tabs { background: #fff; border-bottom: 1px solid #e8ecf1; box-shadow: 0 1px 3px rgba(8,20,34,.05); position: sticky; top: 101px; z-index: 50; }
.edu-tabs .container { padding-top: .85rem; padding-bottom: .85rem; }
.edu-tabs-toggle { display: flex; align-items: center; gap: .6rem; margin-bottom: .7rem; }
.edu-toggle {
  display: inline-flex; align-items: center; gap: .45rem;
  font-family: var(--font-head); font-weight: 700; font-size: .82rem;
  letter-spacing: .01em; padding: .5rem .95rem; border-radius: 10px;
  border: 1px solid transparent; white-space: nowrap;
}
.edu-toggle.is-active { background: var(--navy); color: #fff; }
.edu-toggle.is-active .icon { color: var(--gold); }
.edu-toggle-alt { color: var(--muted); background: transparent; }
.edu-toggle-alt .icon { color: var(--red); }
.edu-toggle-alt:hover { color: var(--navy); background: var(--bg-alt); text-decoration: none; }
.edu-toggle .icon { width: 16px; height: 16px; }
.edu-tab-row {
  display: flex; gap: .55rem; overflow-x: auto; padding-bottom: .25rem;
  scrollbar-width: none; -ms-overflow-style: none;
}
.edu-tab-row::-webkit-scrollbar { display: none; }
.edu-tab {
  flex: 0 0 auto; white-space: nowrap;
  font-family: var(--font-head); font-weight: 600; font-size: .82rem;
  color: #46566b; background: #fff; border: 1px solid #dde3ea;
  padding: .5rem 1rem; border-radius: 999px;
  transition: border-color .15s, color .15s, box-shadow .15s, background .15s;
}
.edu-tab:hover { color: var(--navy); border-color: #b9c4d2; box-shadow: 0 2px 6px rgba(8,20,34,.08); text-decoration: none; }
.edu-tab.is-active { background: var(--navy); border-color: var(--navy); color: #fff; box-shadow: 0 4px 12px rgba(13,33,55,.22); }
.edu-tab.is-active:hover { color: #fff; }

.nav-links { display: flex; align-items: center; gap: 1.4rem; list-style: none; margin: 0; padding: 0; }
.nav-link { color: rgba(255,255,255,.82); font-weight: 700; font-size: .92rem; }
.nav-link:hover, .nav-link[aria-current="page"] { color: var(--gold); text-decoration: none; }
.nav-cta { margin-left: .5rem; }

.menu-toggle { display: none; background: none; border: 0; color: #fff; padding: .25rem; cursor: pointer; }
.menu-toggle .icon { width: 28px; height: 28px; }
.mobile-menu { display: none; background: var(--navy-light); border-top: 1px solid rgba(255,255,255,.12); }
.mobile-menu.open { display: block; }
.mobile-menu ul { list-style: none; margin: 0; padding: .75rem 0; }
.mobile-menu a { display: block; color: rgba(255,255,255,.9); font-weight: 700; padding: .7rem 1.25rem; }
.mobile-menu a:hover { background: rgba(255,255,255,.08); text-decoration: none; }
.mobile-group-label {
  padding: .85rem 1.25rem .2rem; list-style: none;
  color: var(--gold); font-family: var(--font-head);
  font-size: .75rem; text-transform: uppercase; letter-spacing: .18em;
}
.mobile-sub-link { padding-left: 2.25rem !important; font-weight: 400 !important; }

/* ---------- Dropdown nav ---------- */
.has-dropdown { position: relative; }
.nav-dropdown-btn {
  background: none; border: 0; cursor: pointer; padding: 0; margin: 0;
  color: rgba(255,255,255,.82); font-weight: 700; font-size: .92rem;
  font-family: var(--font-body); line-height: 1;
  display: inline-flex; align-items: center; gap: .28rem;
}
.nav-dropdown-btn:hover, .nav-dropdown-btn[aria-expanded="true"] { color: var(--gold); }
.dropdown-arrow {
  width: .82em; height: .82em; flex: 0 0 auto;
  transition: transform .18s ease;
  vertical-align: -.1em;
}
.nav-dropdown-btn[aria-expanded="true"] .dropdown-arrow { transform: rotate(180deg); }

.dropdown-menu {
  display: none;
  position: absolute; top: calc(100% + 12px); left: 50%;
  transform: translateX(-50%);
  background: #fff; border-radius: var(--radius);
  box-shadow: var(--shadow-lg); border-top: 3px solid var(--red);
  list-style: none; margin: 0; padding: .45rem 0;
  min-width: 210px; white-space: nowrap; z-index: 200;
}
.dropdown-menu.open { display: block; }
.dropdown-item {
  display: block; color: var(--navy); padding: .52rem 1.1rem;
  font-size: .88rem; font-weight: 600;
  transition: background .1s, color .1s;
}
.dropdown-item:hover { background: var(--bg-alt); color: var(--red); text-decoration: none; }

/* ---------- Hero ---------- */
.hero { position: relative; color: #fff; overflow: hidden; }
.hero-bg { position: absolute; inset: 0; background: var(--navy); z-index: 0; }
.hero-bg::after {
  content: ""; position: absolute; inset: 0;
  background:
    radial-gradient(1200px 500px at 80% -10%, rgba(212,175,55,.16), transparent 60%),
    radial-gradient(900px 500px at -10% 110%, rgba(192,57,43,.20), transparent 60%),
    linear-gradient(135deg, var(--navy-dark), var(--navy) 55%, var(--navy-light));
}
/* Photographic hero (home): show the image instead of the flat gradient. */
.hero--photo .hero-bg { background-size: cover; background-position: center 28%; background-repeat: no-repeat; }
.hero--photo .hero-bg::after { display: none; }
.hero .container { position: relative; z-index: 1; padding-top: 4.5rem; padding-bottom: 4.5rem; }
.badge {
  display: inline-flex; align-items: center; gap: .5rem;
  background: rgba(192,57,43,.22); border: 1px solid rgba(192,57,43,.45);
  color: #fff; padding: .4rem .9rem; border-radius: 999px;
  font-family: var(--font-head); font-size: .72rem; letter-spacing: .18em;
  text-transform: uppercase; margin-bottom: 1.25rem;
}
.badge .icon { color: var(--gold); }
.hero h1 { color: #fff; max-width: 16ch; }
.hero h1 .accent { display: block; color: var(--gold); }
.hero-lead { color: rgba(255,255,255,.85); font-size: 1.2rem; max-width: 46ch; margin-bottom: 1.5rem; }
.hero-points { display: grid; grid-template-columns: 1fr 1fr; gap: .6rem 1.2rem; max-width: 520px; margin: 0 0 1.75rem; padding: 0; list-style: none; }
.hero-points li { display: flex; align-items: center; gap: .5rem; color: rgba(255,255,255,.92); font-size: .95rem; }
.hero-points .icon { color: var(--gold); }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 1.25rem; margin-top: 2rem; padding-top: 1.25rem; border-top: 1px solid rgba(255,255,255,.18); color: rgba(255,255,255,.7); font-size: .8rem; align-items: center; }
.stars { color: var(--gold); letter-spacing: .1em; }

/* ---------- Calculator CTA band (home) ---------- */
.calc-cta-band { padding: 2.25rem 0; background: var(--bg-alt); }
.calc-cta-hero {
  position: relative; z-index: 1; margin: 0 0 2rem;
  background:
    radial-gradient(700px 220px at 88% -40%, rgba(212,175,55,.22), transparent 60%),
    linear-gradient(135deg, rgba(26,51,82,.92), rgba(13,33,55,.92));
  backdrop-filter: blur(2px);
}
.calc-cta {
  display: flex; align-items: center; gap: 1.5rem;
  padding: 1.6rem 1.9rem; border-radius: 18px;
  background:
    radial-gradient(700px 220px at 88% -40%, rgba(212,175,55,.18), transparent 60%),
    linear-gradient(135deg, var(--navy-dark), var(--navy) 58%, var(--navy-light));
  border: 1px solid rgba(212,175,55,.28);
  box-shadow: 0 18px 44px rgba(8,20,34,.22);
  color: #fff; text-decoration: none;
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.calc-cta:hover {
  transform: translateY(-2px);
  box-shadow: 0 24px 56px rgba(8,20,34,.32);
  border-color: rgba(212,175,55,.55);
  color: #fff; text-decoration: none;
}
.calc-cta-icon {
  flex: 0 0 auto; width: 58px; height: 58px; border-radius: 14px;
  display: grid; place-items: center;
  background: rgba(212,175,55,.14); border: 1px solid rgba(212,175,55,.4);
  color: var(--gold);
}
.calc-cta-icon .icon { width: 28px; height: 28px; }
.calc-cta-text { display: flex; flex-direction: column; gap: .2rem; min-width: 0; }
.calc-cta-eyebrow {
  font-family: var(--font-head); text-transform: uppercase; letter-spacing: .15em;
  font-size: .72rem; color: var(--gold); font-weight: 700;
}
.calc-cta-title {
  font-family: var(--font-head); font-weight: 700; font-size: 1.35rem;
  line-height: 1.2; color: #fff;
}
.calc-cta-sub { color: rgba(255,255,255,.82); font-size: .95rem; line-height: 1.45; }
.calc-cta-action {
  flex: 0 0 auto; margin-left: auto;
  display: inline-flex; align-items: center; gap: .5rem; white-space: nowrap;
  background: var(--gold); color: var(--navy); font-weight: 700;
  font-family: var(--font-head); letter-spacing: .02em;
  padding: .8rem 1.4rem; border-radius: 999px;
  transition: background .18s ease;
}
.calc-cta:hover .calc-cta-action { background: var(--gold-light); }
@media (max-width: 760px) {
  .calc-cta { flex-direction: column; align-items: flex-start; text-align: left; gap: 1.1rem; padding: 1.5rem; }
  .calc-cta-action { margin-left: 0; width: 100%; justify-content: center; }
}

/* ---------- Sections ---------- */
.section { padding: 4.5rem 0; }
.section-sm { padding: 3rem 0; }
.section-alt { background: var(--bg-alt); }
.section-navy { background: var(--navy); color: #fff; }
.section-navy h2 { color: #fff; }
.section-head { max-width: 720px; margin: 0 auto 2.5rem; text-align: center; }
.eyebrow {
  display: inline-block; font-family: var(--font-head); text-transform: uppercase;
  letter-spacing: .15em; font-size: .8rem; color: var(--red);
  background: rgba(192,57,43,.1); padding: .35rem .85rem; border-radius: 999px; margin-bottom: .9rem;
}
.section-navy .eyebrow { color: var(--gold); background: rgba(212,175,55,.15); }
.section-sub { color: var(--muted); font-size: 1.1rem; }
.section-navy .section-sub { color: rgba(255,255,255,.75); }

/* ---------- Grid + Cards ---------- */
.grid { display: grid; gap: 1.5rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  box-shadow: var(--shadow-sm); overflow: hidden; transition: transform .25s, box-shadow .25s;
  display: flex; flex-direction: column;
}
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow-md); }
.card-top { padding: 1.1rem 1.25rem; display: flex; align-items: center; justify-content: space-between; }
.card-top .icon { width: 26px; height: 26px; color: #fff; }
.card-body { padding: 1.25rem; flex: 1; display: flex; flex-direction: column; }
.card-title { color: var(--navy); margin-bottom: .4rem; }
.card-text { color: var(--muted); font-size: .95rem; margin-bottom: 1rem; }
.card-link { margin-top: auto; font-family: var(--font-head); text-transform: uppercase; letter-spacing: .06em; font-size: .85rem; color: var(--red); display: inline-flex; align-items: center; gap: .35rem; }
.card-link:hover { gap: .6rem; text-decoration: none; }

/* feature with icon circle */
.feature { display: flex; gap: 1rem; align-items: flex-start; }
.feature-icon { width: 48px; height: 48px; border-radius: 999px; background: var(--navy); color: #fff; display: grid; place-items: center; flex: 0 0 auto; }
.feature-icon .icon { width: 22px; height: 22px; }
.feature h3 { margin-bottom: .15rem; }
.feature p { color: var(--muted); font-size: .95rem; margin: 0; }

/* stats */
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1.5rem; text-align: center; }
.stat-number { font-family: var(--font-head); font-weight: 700; font-size: 2.6rem; color: var(--gold); line-height: 1; }
.stat-label { color: rgba(255,255,255,.75); font-size: .85rem; margin-top: .35rem; }

/* ---------- Article / guide pages ---------- */
.breadcrumb { font-size: .85rem; color: var(--muted); padding: 1rem 0 0; }
.breadcrumb a { color: var(--muted); }
.breadcrumb a:hover { color: var(--red); }
.page-hero { background: var(--navy); color: #fff; padding: 3rem 0; }
.page-hero h1 { color: #fff; margin: 0; }
.page-hero .eyebrow { color: var(--gold); background: rgba(212,175,55,.15); }
.article { max-width: 760px; margin: 0 auto; }
.article h2 { margin-top: 2.25rem; font-size: 1.6rem; }
.article h3 { margin-top: 1.5rem; color: var(--navy); }
.article p, .article li { font-size: 1.05rem; }
.article ul { padding-left: 1.25rem; }
.article li { margin-bottom: .4rem; }
.callout {
  background: rgba(192,57,43,.07); border-left: 4px solid var(--red);
  padding: 1rem 1.25rem; border-radius: 6px; margin: 1.5rem 0; font-size: .95rem; color: var(--muted);
}
.toc { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius); padding: 1.25rem 1.5rem; margin-bottom: 2rem; }
.toc h2 { font-size: 1rem; margin: 0 0 .6rem; }
.toc ul { margin: 0; padding-left: 1.1rem; }
.toc a { color: var(--navy); }

/* related guides */
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.related-card { display: block; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.1rem 1.25rem; box-shadow: var(--shadow-sm); transition: transform .2s, box-shadow .2s; }
.related-card:hover { transform: translateY(-3px); box-shadow: var(--shadow-md); text-decoration: none; }
.related-card strong { color: var(--navy); font-family: var(--font-head); display: block; margin-bottom: .25rem; }
.related-card span { color: var(--muted); font-size: .85rem; }

/* ---------- Free-booklet picker (checkbox-style links to each booklet page) ---------- */
.booklet-picker { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg); border-top: 4px solid var(--red); padding: 1.75rem; color: var(--ink); }
.booklet-picker .lead-form-title { font-family: var(--font-head); font-weight: 600; color: var(--navy); font-size: 1.4rem; line-height: 1.1; margin: 0 0 .25rem; }
.booklet-picker .muted { font-size: .92rem; margin-bottom: 1rem; }
.booklet-pick-list { list-style: none; margin: 0 0 1rem; padding: 0; display: grid; gap: .5rem; }
.booklet-pick { display: flex; align-items: center; gap: .75rem; border: 2px solid var(--line); border-radius: 8px; padding: .7rem .85rem; color: var(--navy); transition: border-color .15s, background .15s, transform .15s; }
.booklet-pick:hover { border-color: var(--red); background: rgba(192,57,43,.05); text-decoration: none; transform: translateX(2px); }
.booklet-pick:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.booklet-pick-box { flex: 0 0 auto; width: 22px; height: 22px; border: 2px solid var(--line); border-radius: 5px; position: relative; transition: background .15s, border-color .15s; }
.booklet-pick-box::after { content: ""; position: absolute; left: 6px; top: 2px; width: 6px; height: 11px; border: solid #fff; border-width: 0 2.5px 2.5px 0; transform: rotate(45deg) scale(0); transition: transform .15s; }
.booklet-pick:hover .booklet-pick-box, .booklet-pick:focus-visible .booklet-pick-box { background: var(--red); border-color: var(--red); }
.booklet-pick:hover .booklet-pick-box::after, .booklet-pick:focus-visible .booklet-pick-box::after { transform: rotate(45deg) scale(1); }
.booklet-pick-text { flex: 1 1 auto; min-width: 0; }
.booklet-pick-title { display: block; font-family: var(--font-head); font-weight: 600; font-size: .98rem; color: var(--navy); }
.booklet-pick-blurb { display: block; font-size: .82rem; color: var(--muted); line-height: 1.35; }
.booklet-pick-arrow { flex: 0 0 auto; color: var(--red); display: inline-flex; }
.booklet-pick-arrow .icon { width: 18px; height: 18px; }
.booklet-picker-wrap { max-width: 640px; margin: 0 auto; }
.booklet-picker-compact { box-shadow: var(--shadow-md); }
.booklet-picker-compact .booklet-pick-blurb { display: none; }

/* booklet page "what's inside" check list */
.check-list { list-style: none; padding-left: 0; margin: .5rem 0 0; display: grid; gap: .55rem; }
.check-list li { display: flex; align-items: flex-start; gap: .6rem; font-size: 1.05rem; }
.check-list .icon { color: var(--red); width: 20px; height: 20px; flex: 0 0 auto; margin-top: .2rem; }

/* ---------- FAQ ---------- */
.faq details { border: 1px solid var(--line); border-radius: 8px; margin-bottom: .75rem; background: #fff; box-shadow: var(--shadow-sm); }
.faq summary { cursor: pointer; padding: 1rem 1.25rem; font-family: var(--font-head); color: var(--navy); font-size: 1.05rem; list-style: none; display: flex; justify-content: space-between; align-items: center; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--red); font-size: 1.4rem; line-height: 1; }
.faq details[open] summary::after { content: "\2013"; }
.faq .faq-body { padding: 0 1.25rem 1.1rem; color: var(--muted); }

/* ---------- Rate table ---------- */
.rate-table { width: 100%; border-collapse: collapse; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow-sm); }
.rate-table th, .rate-table td { padding: .85rem 1rem; text-align: left; border-bottom: 1px solid var(--line); }
.rate-table thead th { background: var(--navy); color: #fff; font-family: var(--font-head); text-transform: uppercase; letter-spacing: .05em; font-size: .82rem; }
.rate-table tbody tr:hover { background: var(--bg-alt); }
.rate-table td:last-child { font-weight: 700; color: var(--navy); }

/* ---------- Calculator ---------- */
.calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 2.5rem; }
.calc-controls .field { margin-bottom: 1.5rem; }
.calc-controls label { display: block; font-family: var(--font-head); color: var(--navy); text-transform: uppercase; letter-spacing: .04em; font-size: .85rem; margin-bottom: .35rem; }
.calc-value { font-family: var(--font-head); color: var(--navy); font-size: 1.4rem; }
.calc-controls input[type="range"] { width: 100%; height: 6px; border-radius: 999px; -webkit-appearance: none; appearance: none; background: var(--line); outline-offset: 4px; margin-top: .5rem; }
.calc-controls input[type="range"]::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 22px; height: 22px; border-radius: 50%; background: var(--red); border: 3px solid #fff; box-shadow: var(--shadow-sm); cursor: pointer; }
.calc-controls input[type="range"]::-moz-range-thumb { width: 22px; height: 22px; border-radius: 50%; background: var(--red); border: 3px solid #fff; cursor: pointer; }
.range-hint { font-size: .8rem; color: var(--muted); margin-top: .35rem; }
.seg { display: flex; gap: .5rem; flex-wrap: wrap; }
.seg button { font-family: var(--font-head); text-transform: uppercase; letter-spacing: .04em; font-size: .85rem; padding: .55rem 1rem; border-radius: 8px; border: 0; background: #eef1f5; color: var(--navy); cursor: pointer; transition: background .15s, color .15s; }
.seg button[aria-pressed="true"] { background: var(--navy); color: #fff; }
.seg.seg-red button[aria-pressed="true"] { background: var(--red); color: #fff; }

/* VA-specific calculator options */
#calc-va-options { background: var(--bg-alt); border: 1px solid var(--line); border-radius: var(--radius); padding: 1rem 1.1rem; }
.va-sub { margin-top: .85rem; }
.va-exempt-label {
  display: flex !important; align-items: flex-start; gap: .55rem; margin: .85rem 0 0;
  font-family: var(--font-body) !important; text-transform: none !important;
  letter-spacing: 0 !important; font-weight: 400 !important;
  font-size: .85rem !important; color: var(--muted) !important; cursor: pointer; line-height: 1.4;
}
.va-exempt-label input { width: auto; margin-top: .15rem; flex: 0 0 auto; accent-color: var(--red); }

/* State select */
.calc-select {
  width: 100%; margin-top: .35rem; padding: .6rem .7rem; font: inherit;
  border: 2px solid var(--line); border-radius: 8px; background: #fff; color: var(--ink);
}
.calc-select:focus { border-color: var(--navy); outline: none; }

/* Calculator lead capture (personalized breakdown booklet) */
.calc-lead { margin-top: 1.25rem; border: 1px solid var(--line); border-top: 3px solid var(--gold); border-radius: var(--radius); background: #fff; padding: 1.1rem 1.25rem; box-shadow: var(--shadow-sm); }
.calc-lead-toggle { display: flex; align-items: flex-start; gap: .65rem; cursor: pointer; font-size: .9rem; color: var(--ink); line-height: 1.45; }
.calc-lead-toggle input { width: auto; margin-top: .2rem; flex: 0 0 auto; accent-color: var(--red); }
.calc-lead-toggle strong { color: var(--navy); }
.calc-lead-form { margin-top: 1rem; }
.calc-lead-form label { display: block; font-size: .82rem; font-weight: 700; color: var(--navy); margin-bottom: .75rem; }
.calc-lead-form input { display: block; width: 100%; margin-top: .3rem; padding: .6rem .8rem; font: inherit; border: 2px solid var(--line); border-radius: 8px; background: #fff; color: var(--ink); }
.calc-lead-form input:focus { border-color: var(--navy); outline: none; }
.calc-lead-thanks { margin-top: 1rem; text-align: center; }
.calc-lead-thanks p { margin: 0; font-size: .92rem; }

/* Calculator disclaimer */
.calc-disclaimer { margin-top: 1.1rem; font-size: .78rem; color: var(--muted); line-height: 1.6; border-top: 1px solid var(--line); padding-top: .9rem; }

.result-card { background: var(--navy); color: #fff; border-radius: var(--radius); padding: 1.5rem; box-shadow: var(--shadow-md); margin-bottom: 1rem; }
.result-card h3 { color: #fff; font-size: 1.15rem; margin-bottom: 1rem; }
.result-row { display: flex; justify-content: space-between; align-items: center; padding: .6rem 0; border-bottom: 1px solid rgba(255,255,255,.12); }
.result-row:last-child { border-bottom: 0; }
.result-row .label { color: rgba(255,255,255,.8); font-size: .92rem; }
.result-row .val { font-family: var(--font-head); font-size: 1.2rem; }
.result-row.total .val { color: var(--gold); font-size: 1.9rem; }
.result-card.light { background: #fff; color: var(--ink); border: 1px solid var(--line); }
.result-card.light h3 { color: var(--navy); }
.result-card.light .result-row { border-color: var(--line); }
.result-card.light .label { color: var(--muted); }
.result-card.light .val { color: var(--navy); }

/* ---------- City directory ---------- */
.state-block { margin-bottom: 2rem; }
.state-block h2 { font-size: 1.3rem; border-bottom: 2px solid var(--gold); padding-bottom: .4rem; margin-bottom: 1rem; }
.city-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: .5rem 1.25rem; }
.city-grid a { color: var(--navy); font-size: .95rem; padding: .2rem 0; display: inline-flex; align-items: center; gap: .35rem; }
.city-grid a:hover { color: var(--red); text-decoration: none; }
.search-box { width: 100%; max-width: 460px; margin: 0 auto 2rem; display: block; padding: .85rem 1.1rem; border: 2px solid var(--line); border-radius: 8px; font-size: 1rem; font-family: var(--font-body); }
.search-box:focus { border-color: var(--navy); outline: none; }

/* nearby cities chips */
.chips { display: flex; flex-wrap: wrap; gap: .5rem; }
.chip { background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: .35rem .9rem; font-size: .88rem; color: var(--navy); box-shadow: var(--shadow-sm); }
.chip:hover { border-color: var(--red); color: var(--red); text-decoration: none; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy-dark); color: rgba(255,255,255,.7); padding: 3.5rem 0 0; font-size: .92rem; }
.footer-grid { display: grid; grid-template-columns: 1.8fr 1fr 1fr 1fr 1.2fr; gap: 2rem; }
.footer-col h4 { color: #fff; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; margin-bottom: 1rem; font-family: var(--font-head); }
.footer-col ul { list-style: none; margin: 0; padding: 0; }
.footer-col li { margin-bottom: .5rem; }
.footer-col a { color: rgba(255,255,255,.7); }
.footer-col a:hover { color: var(--gold); text-decoration: none; }
.footer-logo { display: inline-flex; align-items: center; gap: .55rem; }
.footer-logo:hover { text-decoration: none; }
.footer-emblem { display: inline-grid; place-items: center; }
.footer-emblem .emblem { width: 78px; height: 78px; }
.footer-brand .logo-name { font-family: Georgia, 'Times New Roman', serif; font-weight: 700; font-size: 1.5rem; line-height: 1; }
.footer-brand .logo-name .lt-home { color: #fff; }
.footer-brand .logo-name .lt-wise { color: var(--gold); }
.footer-slogan { color: var(--gold); font-family: var(--font-head); font-weight: 600; letter-spacing: .1em; text-transform: uppercase; font-size: .78rem; margin: 1rem 0 0 !important; }
.footer-about { margin-top: .8rem; max-width: 40ch; line-height: 1.6; }
.footer-contact { margin-top: .9rem; }
.footer-contact a { color: var(--gold); font-weight: 600; }

/* Structured legal disclaimers */
.footer-legal { border-top: 1px solid rgba(255,255,255,.12); margin-top: 2.75rem; padding-top: 1.75rem; }
.footer-legal-head {
  color: rgba(255,255,255,.92); font-family: var(--font-head); font-size: .82rem;
  letter-spacing: .14em; text-transform: uppercase; margin: 0 0 1.4rem;
}
.footer-disclaimers {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 1.5rem 2.5rem;
}
.footer-colophon {
  margin: 1.6rem 0 0; padding-top: 1.4rem; border-top: 1px solid rgba(255,255,255,.08);
  font-size: .72rem; color: rgba(255,255,255,.42); line-height: 1.65;
}
.footer-disc-label {
  display: inline-flex; align-items: center; gap: .4rem;
  color: rgba(255,255,255,.92); font-family: var(--font-head); font-weight: 700;
  font-size: .74rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: .5rem;
}
.footer-disc p { font-size: .76rem; color: rgba(255,255,255,.5); line-height: 1.65; margin: 0; }
.footer-eho-icon { color: var(--gold); display: inline-grid; place-items: center; }
.footer-eho-icon .icon { width: 15px; height: 15px; }

.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 1.75rem; padding: 1.25rem 0; display: flex; flex-wrap: wrap; justify-content: space-between; gap: .75rem; font-size: .8rem; color: rgba(255,255,255,.55); }
.footer-bottom a { color: rgba(255,255,255,.7); }
.footer-bottom a:hover { color: var(--gold); text-decoration: none; }
@media (max-width: 760px) {
  .footer-disclaimers { grid-template-columns: 1fr; gap: 1.5rem; }
}

/* ---------- Lead / booklet form ---------- */
.lead-form { background: #fff; border-radius: var(--radius); box-shadow: var(--shadow-lg); border-top: 4px solid var(--red); padding: 1.75rem; color: var(--ink); }
.lead-form h3, .lead-form-title { font-size: 1.4rem; margin-bottom: .25rem; }
.lead-form-title { font-family: var(--font-head); font-weight: 600; color: var(--navy); line-height: 1.1; }
.lead-form .muted { font-size: .92rem; margin-bottom: 1rem; }
.loan-options { border: 0; padding: 0; margin: 0 0 1rem; display: grid; gap: .5rem; }
.loan-card { display: block; cursor: pointer; }
.loan-card input { position: absolute; opacity: 0; pointer-events: none; }
.loan-card-inner { display: block; border: 2px solid var(--line); border-radius: 8px; padding: .65rem .85rem; transition: border-color .15s, background .15s; }
.loan-card:hover .loan-card-inner { border-color: var(--gold); }
.loan-card input:checked + .loan-card-inner { border-color: var(--red); background: rgba(192,57,43,.05); }
.loan-card input:focus-visible + .loan-card-inner { outline: 3px solid var(--gold); outline-offset: 2px; }
.loan-card-title { display: block; font-family: var(--font-head); font-weight: 600; color: var(--navy); font-size: .98rem; }
.loan-card-blurb { display: block; font-size: .82rem; color: var(--muted); }
.lead-form label { display: block; font-size: .82rem; font-weight: 700; color: var(--navy); margin-bottom: .75rem; }
.lead-form input[type=text], .lead-form input[type=email], .lead-form input[type=tel] {
  display: block; width: 100%; margin-top: .3rem; padding: .65rem .8rem; font: inherit;
  border: 2px solid var(--line); border-radius: 8px; background: #fff; color: var(--ink);
}
.lead-form input:focus { border-color: var(--navy); outline: none; }
.lead-form input:focus-visible, .calc-lead-form input:focus-visible, .calc-select:focus-visible, .search-box:focus-visible, .calc-controls input[type="range"]:focus-visible { outline: 3px solid var(--gold); outline-offset: 2px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; }
.form-status { min-height: 1.2em; font-size: .85rem; margin-bottom: .5rem; }
.form-status.err { color: var(--red); font-weight: 700; }
.form-status.ok { color: #1a7f37; font-weight: 700; }
.form-fineprint { font-size: .72rem; color: var(--muted); margin: .75rem 0 0; }
.optin-label {
  display: flex !important; align-items: flex-start; gap: .55rem; cursor: pointer;
  font-size: .76rem !important; font-weight: 400 !important; color: var(--muted) !important;
  line-height: 1.45; margin: .25rem 0 .9rem !important;
}
.optin-label input { width: auto !important; margin: .15rem 0 0 !important; flex: 0 0 auto; accent-color: var(--red); }
.optin-label span { display: block; }
.booklet-thanks { text-align: center; padding: 1rem .5rem; }
.thanks-check { width: 56px; height: 56px; border-radius: 999px; background: #e8f5ec; color: #1a7f37; font-size: 1.8rem; display: grid; place-items: center; margin: 0 auto 1rem; }

/* ---------- Animations ---------- */
@keyframes fadeUp { from { opacity: 0; transform: translateY(20px); } to { opacity: 1; transform: none; } }
.reveal { animation: fadeUp .6s ease both; }
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; } }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .nav-links, .nav-cta { display: none; }
  .menu-toggle { display: inline-flex; }
}
@media (max-width: 980px) {
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .city-grid { grid-template-columns: repeat(3, 1fr); }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .calc-grid { grid-template-columns: 1fr; }
  .stats { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 760px) {
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .related-grid { grid-template-columns: 1fr; }
  .city-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-points { grid-template-columns: 1fr; }
  .topbar-meta .hide-sm { display: none; }
  .footer-grid { grid-template-columns: 1fr; }
}
@media (max-width: 460px) {
  body { font-size: 16px; }
  .city-grid { grid-template-columns: 1fr; }
  .stats { grid-template-columns: 1fr; }
}