/* =========================================================
   BestRate — Design tokens
   Navy + gold (drawn from the mark), warm paper background.
   Display: Fraunces (serif, a little untidy, humane)
   Body:    IBM Plex Sans
   Data:    IBM Plex Mono (rates, numbers — teller-window feel)
   ========================================================= */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,400;9..144,500;9..144,600;9..144,700&family=IBM+Plex+Sans:wght@400;500;600;700&family=IBM+Plex+Mono:wght@500;600;700&display=swap');

:root{
  --navy-950: #0A1E33;
  --navy-900: #0F2A43;
  --navy-800: #16375A;
  --navy-700: #204A73;
  --gold-500: #FFC72C;
  --gold-600: #E8A916;
  --gold-100: #FFF3D2;
  --paper: #FAF8F3;
  --paper-dim: #F1EEE5;
  --ink: #1C2530;
  --slate: #5B6672;
  --slate-200: #D8D3C4;
  --line: #E4E1D4;
  --green: #157A4F;
  --green-100: #E4F3EA;

  --radius-sm: 6px;
  --radius-md: 12px;
  --radius-lg: 22px;

  --shadow-card: 0 1px 2px rgba(15,42,67,0.06), 0 12px 32px -16px rgba(15,42,67,0.18);
  --shadow-lift: 0 24px 60px -24px rgba(15,42,67,0.35);

  --container: 1180px;
}

*, *::before, *::after{ box-sizing: border-box; }
html{ scroll-behavior: smooth; }

@media (prefers-reduced-motion: reduce){
  html{ scroll-behavior: auto; }
  *, *::before, *::after{
    animation-duration: 0.001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: 0.001ms !important;
    scroll-behavior: auto !important;
  }
}

body{
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: 'IBM Plex Sans', system-ui, sans-serif;
  font-size: 16px;
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

img{ max-width: 100%; display: block; }
a{ color: inherit; }

.container{
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 28px;
}

h1, h2, h3, h4{
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 600;
  line-height: 1.12;
  margin: 0 0 0.5em;
  color: var(--navy-950);
  letter-spacing: -0.01em;
}

.eyebrow{
  font-family: 'IBM Plex Mono', monospace;
  font-size: 12.5px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-600);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.eyebrow::before{
  content: "";
  width: 20px; height: 1px;
  background: var(--gold-600);
}

p{ margin: 0 0 1em; color: var(--slate); }

.mono{ font-family: 'IBM Plex Mono', monospace; }

/* Buttons */
.btn{
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 26px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 15px;
  text-decoration: none;
  border: 1px solid transparent;
  cursor: pointer;
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease, color .18s ease;
  font-family: inherit;
}
.btn:focus-visible{ outline: 3px solid var(--navy-700); outline-offset: 2px; }
.btn-gold{
  background: var(--gold-500);
  color: var(--navy-950);
}
.btn-gold:hover{ background: var(--gold-600); transform: translateY(-1px); box-shadow: var(--shadow-lift); }
.btn-outline{
  background: transparent;
  border-color: rgba(255,255,255,0.35);
  color: #fff;
}
.btn-outline:hover{ border-color: #fff; background: rgba(255,255,255,0.08); }
.btn-navy{
  background: var(--navy-900);
  color: #fff;
}
.btn-navy:hover{ background: var(--navy-950); transform: translateY(-1px); }
.btn-block{ width: 100%; }
.btn-sm{ padding: 10px 18px; font-size: 13.5px; }

/* =========================== HEADER =========================== */
.site-header{
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(250,248,243,0.86);
  backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.site-header .container{
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 82px;
}
.brand{
  display: flex;
  align-items: center;
  gap: 12px;
  text-decoration: none;
}
.brand img{ height: 30px; width: auto; }
.brand-word{
  font-family: 'Fraunces', serif;
  font-weight: 700;
  font-size: 19px;
  color: var(--navy-950);
  letter-spacing: -0.01em;
  white-space: nowrap;
}
.brand-word span{ color: var(--gold-600); }

.main-nav{ display: flex; align-items: center; gap: 36px; }
.main-nav ul{
  display: flex;
  gap: 30px;
  list-style: none;
  margin: 0; padding: 0;
}
.main-nav a{
  text-decoration: none;
  font-weight: 500;
  font-size: 14.5px;
  color: var(--navy-900);
  position: relative;
  padding: 6px 0;
}
.main-nav a.active,
.main-nav a:hover{ color: var(--navy-950); }
.main-nav a.active::after{
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -2px;
  height: 2px;
  background: var(--gold-500);
  border-radius: 2px;
}
.header-cta{ display: flex; align-items: center; gap: 14px; }
.phone-link{
  font-family: 'IBM Plex Mono', monospace;
  font-weight: 600;
  font-size: 14px;
  text-decoration: none;
  color: var(--navy-900);
  display: none;
}

.nav-toggle{
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  padding: 8px;
  flex-direction: column;
  gap: 5px;
}
.nav-toggle span{
  width: 24px; height: 2px; background: var(--navy-950); border-radius: 2px;
}

/* =========================== FOOTER =========================== */
.site-footer{
  background: var(--navy-950);
  color: rgba(255,255,255,0.75);
  padding: 64px 0 28px;
}
.footer-grid{
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1.2fr;
  gap: 40px;
  padding-bottom: 44px;
  border-bottom: 1px solid rgba(255,255,255,0.12);
}
.footer-brand .brand-word{ color: #fff; }
.footer-brand .brand img{ height: 32px; }
.footer-brand p{ color: rgba(255,255,255,0.55); max-width: 320px; margin-top: 14px; }
.footer-col h4{
  color: #fff;
  font-family: 'IBM Plex Sans', sans-serif;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 16px;
}
.footer-col ul{ list-style: none; margin: 0; padding: 0; }
.footer-col li{ margin-bottom: 11px; }
.footer-col a{ color: rgba(255,255,255,0.65); text-decoration: none; font-size: 14.5px; }
.footer-col a:hover{ color: var(--gold-500); }
.footer-bottom{
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding-top: 26px;
  font-size: 13px;
  color: rgba(255,255,255,0.4);
  flex-wrap: wrap;
  gap: 12px;
}
.footer-legal{ display: flex; gap: 18px; }
.footer-legal a{ color: rgba(255,255,255,0.4); text-decoration: none; }
.footer-legal a:hover{ color: rgba(255,255,255,0.7); }
.disclosure{
  font-size: 12.5px;
  color: rgba(255,255,255,0.35);
  max-width: 900px;
  margin-top: 18px;
  line-height: 1.6;
}

/* =========================== HERO =========================== */
.hero{
  position: relative;
  background: radial-gradient(1200px 600px at 15% -10%, var(--navy-800), var(--navy-950) 60%);
  color: #fff;
  overflow: hidden;
  padding: 96px 0 160px;
}
.hero::after{
  content:"";
  position: absolute;
  inset: auto 0 0 0;
  height: 140px;
  background: linear-gradient(to bottom, transparent, var(--paper));
  pointer-events: none;
}
.hero-inner{
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 48px;
  align-items: center;
  position: relative;
  z-index: 2;
}
.hero h1{
  color: #fff;
  font-size: clamp(34px, 4.6vw, 56px);
  margin: 18px 0 22px;
}
.hero h1 em{
  font-style: normal;
  color: var(--gold-500);
}
.hero-sub{
  color: rgba(255,255,255,0.72);
  font-size: 17.5px;
  max-width: 520px;
  margin-bottom: 30px;
}
.hero-actions{ display: flex; gap: 14px; margin-bottom: 34px; flex-wrap: wrap; }
.hero-trust{
  display: flex;
  gap: 28px;
  flex-wrap: wrap;
  padding-top: 26px;
  border-top: 1px solid rgba(255,255,255,0.14);
}
.hero-trust div{ }
.hero-trust strong{
  display: block;
  font-family: 'Fraunces', serif;
  font-size: 26px;
  color: #fff;
}
.hero-trust span{
  font-size: 12.5px;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

/* Rate ticker panel — the signature element */
.rate-panel{
  position: relative;
  background: linear-gradient(180deg, #10314F, #0C2540);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: var(--radius-lg);
  padding: 6px;
  box-shadow: var(--shadow-lift);
  z-index: 2;
}
.rate-panel-head{
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 18px 20px 14px;
}
.rate-panel-head .dot{
  width: 8px; height: 8px; border-radius: 50%;
  background: var(--green);
  display: inline-block;
  margin-right: 8px;
  box-shadow: 0 0 0 0 rgba(21,122,79,0.6);
  animation: pulse 2.2s infinite;
}
@keyframes pulse{
  0%{ box-shadow: 0 0 0 0 rgba(21,122,79,0.55); }
  70%{ box-shadow: 0 0 0 8px rgba(21,122,79,0); }
  100%{ box-shadow: 0 0 0 0 rgba(21,122,79,0); }
}
.rate-panel-head span{
  font-family: 'IBM Plex Mono', monospace;
  font-size: 12px;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.08em;
}
.rate-list{ padding: 0 8px 8px; }
.rate-row{
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 14px;
  align-items: center;
  padding: 15px 12px;
  border-radius: var(--radius-md);
  transition: background .5s ease;
}
.rate-row.flash{ background: rgba(255,199,44,0.1); }
.rate-row + .rate-row{ border-top: 1px solid rgba(255,255,255,0.08); }
.rate-term{ color: #fff; font-weight: 500; font-size: 14.5px; }
.rate-term small{ display:block; color: rgba(255,255,255,0.45); font-size: 12px; font-weight: 400; margin-top: 2px;}
.rate-num{
  font-family: 'IBM Plex Mono', monospace;
  font-size: 22px;
  font-weight: 600;
  color: var(--gold-500);
  text-align: right;
}
.rate-num small{ font-size: 12px; color: rgba(255,255,255,0.5); font-weight: 500; margin-left: 3px;}
.rate-delta{
  font-family: 'IBM Plex Mono', monospace;
  font-size: 12px;
  padding: 4px 8px;
  border-radius: 999px;
  text-align: center;
  min-width: 52px;
}
.rate-delta.down{ background: rgba(21,122,79,0.22); color: #6FE3AC; }
.rate-delta.up{ background: rgba(196,70,70,0.22); color: #F3A2A2; }
.rate-delta.flat{ background: rgba(255,255,255,0.1); color: rgba(255,255,255,0.5); }
.rate-panel-foot{
  padding: 14px 20px 18px;
  font-size: 12px;
  color: rgba(255,255,255,0.4);
  border-top: 1px solid rgba(255,255,255,0.08);
}

/* =========================== SECTIONS =========================== */
section{ padding: 96px 0; }
.section-head{
  max-width: 640px;
  margin-bottom: 52px;
}
.section-head.center{ margin-left: auto; margin-right: auto; text-align: center; }
.section-tight .section-head{ margin-bottom: 36px; }

.bg-dim{ background: var(--paper-dim); }
.bg-navy{ background: var(--navy-950); color: rgba(255,255,255,0.75); }
.bg-navy h2, .bg-navy h3{ color: #fff; }

/* Partners strip */
.partners{
  padding: 56px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.partners-label{
  text-align: center;
  font-size: 13px;
  color: var(--slate);
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 30px;
}
.partner-grid{
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 16px;
}
.partner-badge{
  display: flex;
  align-items: center;
  justify-content: center;
  height: 84px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-md);
  transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.partner-badge:hover{
  transform: translateY(-3px);
  box-shadow: var(--shadow-card);
  border-color: var(--slate-200);
}
.partner-mark{
  font-family: 'Fraunces', serif;
  font-weight: 600;
  font-size: 17px;
  letter-spacing: -0.01em;
  display: flex;
  align-items: center;
  gap: 8px;
}

/* Steps */
.steps{
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
.step-card{
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 30px 26px;
}
.step-num{
  font-family: 'IBM Plex Mono', monospace;
  color: var(--gold-600);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.06em;
  margin-bottom: 18px;
  display: block;
}
.step-card h3{ font-size: 19px; margin-bottom: 8px; }
.step-card p{ font-size: 14.5px; margin: 0; }

/* Feature split */
.split{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 64px;
  align-items: center;
}
.check-list{ list-style: none; margin: 0; padding: 0; }
.check-list li{
  display: flex;
  gap: 14px;
  padding: 16px 0;
  border-top: 1px solid var(--line);
  align-items: flex-start;
}
.check-list li:first-child{ border-top: none; }
.check-ico{
  width: 26px; height: 26px;
  border-radius: 50%;
  background: var(--gold-100);
  color: var(--gold-600);
  display: flex; align-items: center; justify-content: center;
  font-size: 13px; font-weight: 700;
  flex-shrink: 0;
  margin-top: 2px;
}
.check-list h4{ font-family: 'IBM Plex Sans', sans-serif; font-size: 15.5px; font-weight: 600; margin: 0 0 4px; color: var(--navy-950); }
.check-list p{ margin: 0; font-size: 14px; }

.mock-card{
  background: #fff;
  border-radius: var(--radius-lg);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-card);
  padding: 30px;
}
.mock-card .mono-label{ font-size: 11.5px; color: var(--slate); text-transform: uppercase; letter-spacing: 0.08em; }
.mock-bars{ display: flex; align-items: flex-end; gap: 10px; height: 130px; margin: 20px 0 8px; }
.mock-bars .bar{ flex: 1; background: var(--paper-dim); border-radius: 6px 6px 0 0; position: relative; }
.mock-bars .bar.hi{ background: var(--gold-500); }
.mock-bars .bar span{
  position: absolute; top: -20px; left: 0; right: 0; text-align: center;
  font-family: 'IBM Plex Mono', monospace; font-size: 11px; color: var(--slate);
}

/* Testimonials */
.testi-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.testi-card{
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px;
}
.testi-stars{ color: var(--gold-500); letter-spacing: 2px; margin-bottom: 14px; font-size: 15px; }
.testi-quote{ font-size: 15px; color: var(--ink); margin-bottom: 20px; }
.testi-who{ display: flex; align-items: center; gap: 12px; }
.testi-avatar{
  width: 38px; height: 38px; border-radius: 50%;
  background: var(--navy-900); color: var(--gold-500);
  display: flex; align-items: center; justify-content: center;
  font-family: 'Fraunces', serif; font-weight: 600; font-size: 14px;
}
.testi-name{ font-weight: 600; font-size: 14px; color: var(--navy-950); }
.testi-loc{ font-size: 12.5px; color: var(--slate); }

/* CTA band */
.cta-band{
  background: linear-gradient(120deg, var(--navy-900), var(--navy-700));
  border-radius: var(--radius-lg);
  padding: 56px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 30px;
  color: #fff;
}
.cta-band h2{ color: #fff; margin-bottom: 8px; font-size: 30px; }
.cta-band p{ color: rgba(255,255,255,0.65); margin: 0; max-width: 460px; }
.cta-actions{ display: flex; gap: 14px; flex-shrink: 0; }

/* FAQ */
.faq{ max-width: 780px; margin: 0 auto; }
.faq-item{
  border-bottom: 1px solid var(--line);
}
.faq-q{
  width: 100%;
  text-align: left;
  background: none;
  border: none;
  padding: 22px 4px;
  font-family: 'Fraunces', serif;
  font-size: 17px;
  color: var(--navy-950);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  font-weight: 500;
}
.faq-q .plus{
  font-family: 'IBM Plex Mono', monospace;
  font-size: 20px;
  color: var(--gold-600);
  transition: transform .25s ease;
  flex-shrink: 0;
}
.faq-item.open .faq-q .plus{ transform: rotate(45deg); }
.faq-a{
  max-height: 0;
  overflow: hidden;
  transition: max-height .3s ease;
}
.faq-a-inner{ padding: 0 4px 22px; font-size: 14.5px; color: var(--slate); max-width: 640px; }

/* Page header (inner pages) */
.page-hero{
  background: var(--navy-950);
  color: #fff;
  padding: 80px 0 64px;
}
.page-hero h1{ color: #fff; font-size: clamp(32px, 4vw, 46px); margin-bottom: 12px; }
.page-hero p{ color: rgba(255,255,255,0.65); max-width: 560px; font-size: 16px; }
.breadcrumb{
  font-family: 'IBM Plex Mono', monospace;
  font-size: 12.5px;
  color: rgba(255,255,255,0.45);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 18px;
}
.breadcrumb a{ color: rgba(255,255,255,0.65); text-decoration: none; }

/* Rates table (rates.html) */
.rate-toolbar{
  display: flex;
  gap: 12px;
  margin-bottom: 14px;
  flex-wrap: wrap;
}
.rate-toolbar + .rate-toolbar{
  margin-bottom: 28px;
  padding-top: 4px;
  border-top: 1px dashed var(--line);
  padding-top: 14px;
}
.chip{
  padding: 9px 18px;
  border-radius: 999px;
  border: 1px solid var(--line);
  background: #fff;
  font-size: 13.5px;
  font-weight: 500;
  cursor: pointer;
  transition: all .15s ease;
}
.chip.active, .chip:hover{ background: var(--navy-950); color: #fff; border-color: var(--navy-950); }

.table-wrap{
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
}
table.rates-table{ width: 100%; border-collapse: collapse; }
.rates-table thead th{
  text-align: left;
  font-size: 12px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--slate);
  padding: 16px 20px;
  background: var(--paper-dim);
  font-weight: 600;
}
.rates-table td{
  padding: 18px 20px;
  border-top: 1px solid var(--line);
  font-size: 14.5px;
  vertical-align: middle;
}
.lender-cell{ display: flex; align-items: center; gap: 12px; font-weight: 600; color: var(--navy-950); }
.rate-cell{ font-family: 'IBM Plex Mono', monospace; font-weight: 700; font-size: 16px; color: var(--navy-950); }
.tag{
  display: inline-block;
  font-size: 11px;
  font-weight: 600;
  padding: 3px 9px;
  border-radius: 999px;
  background: var(--green-100);
  color: var(--green);
  margin-left: 8px;
}
.rates-table .apply-cell a{
  font-size: 13px; font-weight: 600; color: var(--navy-900); text-decoration: none;
  padding: 8px 16px; border: 1px solid var(--navy-900); border-radius: 999px;
  white-space: nowrap;
}
.rates-table .apply-cell a:hover{ background: var(--navy-900); color: #fff; }
.rates-note{ font-size: 13px; color: var(--slate); margin-top: 18px; }

/* Calculator page */
.calc-wrap{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  box-shadow: var(--shadow-card);
}
.calc-form{ padding: 44px; }
.calc-result{
  padding: 44px;
  background: var(--navy-950);
  color: #fff;
}
.field{ margin-bottom: 22px; }
.field label{
  display: flex;
  justify-content: space-between;
  font-size: 13.5px;
  font-weight: 600;
  color: var(--navy-950);
  margin-bottom: 8px;
}
.field label .val{ color: var(--gold-600); font-family: 'IBM Plex Mono', monospace; }
.field input[type="range"]{
  width: 100%;
  accent-color: var(--gold-500);
  height: 4px;
}
.field-row{ display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field input[type="number"], .field input[type="text"], .field select, .field textarea{
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  font-family: inherit;
  font-size: 14.5px;
  background: var(--paper);
  color: var(--ink);
}
.field input:focus, .field select:focus, .field textarea:focus{
  outline: none;
  border-color: var(--gold-600);
  box-shadow: 0 0 0 3px var(--gold-100);
}
.toggle-row{ display: flex; gap: 8px; }
.toggle-row button{
  flex: 1;
  padding: 10px;
  border-radius: var(--radius-sm);
  border: 1px solid var(--line);
  background: var(--paper);
  cursor: pointer;
  font-weight: 600;
  font-size: 13.5px;
  color: var(--slate);
}
.toggle-row button.active{ background: var(--navy-950); border-color: var(--navy-950); color: #fff; }

.result-figure{ text-align: center; padding: 10px 0 28px; border-bottom: 1px solid rgba(255,255,255,0.15); margin-bottom: 28px; }
.result-figure .label{ font-size: 12.5px; color: rgba(255,255,255,0.5); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 10px;}
.result-figure .num{ font-family: 'Fraunces', serif; font-size: 46px; color: var(--gold-500); }
.result-figure .num small{ font-size: 16px; color: rgba(255,255,255,0.5); font-family: 'IBM Plex Sans', sans-serif; }
.result-rows{ display: flex; flex-direction: column; gap: 14px; margin-bottom: 30px; }
.result-row{ display: flex; justify-content: space-between; font-size: 14.5px; }
.result-row span:first-child{ color: rgba(255,255,255,0.55); }
.result-row span:last-child{ font-family: 'IBM Plex Mono', monospace; font-weight: 600; }

/* Contact page */
.contact-grid{
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
}
.contact-info-card{
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 32px;
  margin-bottom: 20px;
}
.contact-info-card h4{ font-family:'IBM Plex Sans',sans-serif; font-weight:600; font-size:14px; text-transform:uppercase; letter-spacing:.06em; color: var(--slate); margin-bottom: 8px;}
.contact-info-card .big{ font-family: 'Fraunces', serif; font-size: 24px; color: var(--navy-950); }
form.form-card{
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 36px;
  box-shadow: var(--shadow-card);
}
.form-status{
  margin-top: 16px; padding: 12px 16px; border-radius: var(--radius-sm);
  background: var(--green-100); color: var(--green); font-size: 14px; display: none;
}
.form-status.show{ display: block; }

/* About page */
.value-grid{
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.value-card{
  padding: 28px;
  border-radius: var(--radius-lg);
  background: #fff;
  border: 1px solid var(--line);
}
.value-card .num{ font-family: 'IBM Plex Mono', monospace; color: var(--gold-600); font-size: 13px; font-weight: 700; }
.timeline{ position: relative; padding-left: 30px; }
.timeline::before{ content:""; position:absolute; left: 5px; top: 6px; bottom: 6px; width: 2px; background: var(--line); }
.timeline-item{ position: relative; padding-bottom: 34px; }
.timeline-item::before{
  content:""; position:absolute; left:-30px; top: 4px; width: 12px; height:12px; border-radius:50%;
  background: var(--gold-500); border: 3px solid var(--paper);
}
.timeline-item:last-child{ padding-bottom: 0; }
.timeline-year{ font-family:'IBM Plex Mono',monospace; color: var(--slate); font-size: 13px; margin-bottom: 4px;}

/* Utility */
.grid-2{ display:grid; grid-template-columns: 1fr 1fr; gap: 24px; }
.grid-3{ display:grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.mt-0{ margin-top:0; }
.text-center{ text-align:center; }

/* =========================== RESPONSIVE =========================== */
@media (min-width: 900px){
  .phone-link{ display: inline-flex; align-items:center; }
}

@media (max-width: 980px){
  .hero-inner{ grid-template-columns: 1fr; }
  .split{ grid-template-columns: 1fr; }
  .split.reverse .split-media{ order: -1; }
  .footer-grid{ grid-template-columns: 1fr 1fr; }
  .partner-grid{ grid-template-columns: repeat(3, 1fr); }
  .steps{ grid-template-columns: 1fr 1fr; }
  .testi-grid{ grid-template-columns: 1fr; }
  .value-grid{ grid-template-columns: 1fr; }
  .calc-wrap{ grid-template-columns: 1fr; }
  .contact-grid{ grid-template-columns: 1fr; }
  .cta-band{ flex-direction: column; text-align:center; }
}

@media (max-width: 720px){
  .main-nav ul{ display: none; }
  .nav-toggle{ display: flex; }
  .header-cta .btn{ padding: 10px 16px; font-size: 13px; }
  section{ padding: 64px 0; }
  .footer-grid{ grid-template-columns: 1fr; gap: 30px; }
  .partner-grid{ grid-template-columns: repeat(2, 1fr); }
  .steps{ grid-template-columns: 1fr; }
  .grid-2, .grid-3{ grid-template-columns: 1fr; }
  .field-row{ grid-template-columns: 1fr; }
}

/* Mobile nav drawer */
.mobile-nav{
  position: fixed;
  inset: 0;
  background: var(--navy-950);
  z-index: 200;
  display: none;
  flex-direction: column;
  padding: 24px;
}
.mobile-nav.open{ display: flex; }
.mobile-nav-top{ display:flex; justify-content:space-between; align-items:center; margin-bottom: 40px;}
.mobile-nav-top .brand-word{ color: #fff; }
.mobile-nav-close{ background:none; border:none; color:#fff; font-size: 28px; cursor:pointer; line-height:1;}
.mobile-nav ul{ list-style:none; margin:0; padding:0; display:flex; flex-direction:column; gap: 4px;}
.mobile-nav a{
  display:block; padding: 16px 4px; color:#fff; text-decoration:none;
  font-family:'Fraunces',serif; font-size: 24px; border-bottom: 1px solid rgba(255,255,255,0.1);
}
.mobile-nav .btn{ margin-top: 30px; }

/* Reveal-on-scroll */
.reveal{ opacity: 0; transform: translateY(16px); transition: opacity .6s ease, transform .6s ease; }
.reveal.in{ opacity: 1; transform: translateY(0); }