/* ============================================================================
   Greenlight Mortgage — design system
   ----------------------------------------------------------------------------
   Three decisions carry this design, and everything else follows from them:

   1. WARM, NOT CLINICAL. The background is a warm off-white, not #fff. Better.com
      and its imitators are cold blue-white SaaS. This is East Texas. The paper
      should feel like paper.
   2. EDITORIAL SERIF DISPLAY. Headlines are set in a serif, body in a sans. That
      single pairing is what stops this reading as a Bootstrap template. It also
      reads as a firm that has been here since 2008 rather than a startup.
   3. THE GREEN LIGHT IS THE BRAND. "Green means GO!" — so the traffic light is a
      real, repeated motif: the mark in the header, the tick before every eyebrow,
      the three-lamp signal on CTA bands. Motion exists only to turn it green.

   No webfonts. Nothing is fetched from a third party — it is faster, it is one
   less privacy surface on a page that collects borrower contact details, and the
   system serif stack below is genuinely good on every platform we care about.
   ========================================================================== */

:root{
  /* --- ink & surface ------------------------------------------------------ */
  --ink:#101c15;          /* body text — near-black with green in it          */
  --ink-2:#4a5a51;        /* secondary text                                    */
  --mut:#63736a;          /* muted / captions — passes AA on cream            */
  /* Lifted from #0b3a29/#072a1e on KT's note that it read a shade too heavy.
     Still unmistakably forest, but the surfaces breathe and the green reads as
     a colour rather than as near-black. White on --forest is ~9:1. */
  --forest:#12503a;       /* deep brand green, dark surfaces                   */
  --forest-2:#0c3c2a;     /* deeper, for gradients                             */
  --forest-3:#082b1e;     /* deepest, footer base                              */
  --g:#0f7a4d;            /* mid green — links, primary buttons                */
  --g-dark:#0b5c3a;
  --go:#16c46a;           /* the signal. accents, the lamp, "GO"               */
  --go-soft:rgba(22,196,106,.14);

  --paper:#fbf9f4;        /* page background — warm                            */
  --paper-2:#f4f1e8;      /* alternating band                                  */
  --card:#ffffff;
  --sand:#efeade;
  --line:#e4dfd1;         /* hairlines on paper                                */
  --line-2:#d8d2c1;

  /* --- type --------------------------------------------------------------- */
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",
          "Hoefler Text",Georgia,"Times New Roman",serif;
  --sans:ui-sans-serif,system-ui,-apple-system,"Segoe UI",Inter,Roboto,
         "Helvetica Neue",Arial,sans-serif;
  --mono:ui-monospace,SFMono-Regular,"SF Mono",Menlo,Consolas,monospace;

  /* Modular scale, 1.25 at the small end opening to ~1.33 at display sizes. */
  --t-xs:12.5px;
  --t-sm:14px;
  --t-base:17px;
  --t-lg:19px;
  --t-xl:clamp(21px,1.4vw + 16px,25px);
  --t-h3:clamp(20px,1.1vw + 17px,23px);
  --t-h2:clamp(28px,2.6vw + 16px,42px);
  --t-h1:clamp(38px,4.6vw + 18px,68px);
  --t-display:clamp(44px,6vw + 18px,86px);

  /* --- space -------------------------------------------------------------- */
  --gut:24px;
  --max:1180px;
  --narrow:720px;
  --sec:clamp(64px,7vw,116px);   /* vertical section rhythm */

  --r:14px;
  --r-lg:22px;
  --shadow:0 1px 2px rgba(16,28,21,.04),0 8px 28px -12px rgba(16,28,21,.14);
  --shadow-lg:0 2px 4px rgba(16,28,21,.05),0 24px 60px -24px rgba(16,28,21,.24);
  --ease:cubic-bezier(.22,.68,.35,1);
}

/* ------------------------------------------------------------------ reset -- */
*,*::before,*::after{box-sizing:border-box}
*{margin:0;padding:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:88px}
body{
  font:var(--t-base)/1.65 var(--sans);
  color:var(--ink);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;
  -moz-osx-font-smoothing:grayscale;
  overflow-x:hidden;
}
img,svg,video{display:block;max-width:100%}
img{height:auto}
a{color:inherit;text-decoration:none}
button{font:inherit;color:inherit;background:none;border:0;cursor:pointer}
input,select,textarea{font:inherit;color:inherit}
::selection{background:var(--go-soft);color:var(--forest-2)}

/* Focus: visible, on-brand, never removed. */
:focus-visible{
  outline:2.5px solid var(--go);
  outline-offset:3px;
  border-radius:4px;
}
.skip{
  position:absolute;left:-9999px;top:0;z-index:200;
  background:var(--forest);color:#fff;padding:12px 20px;border-radius:0 0 10px 0;
  font-weight:650;font-size:var(--t-sm);
}
.skip:focus{left:0}

.wrap{max-width:var(--max);margin-inline:auto;padding-inline:var(--gut)}
.narrow{max-width:var(--narrow);margin-inline:auto}

/* --------------------------------------------------------------- typography */
h1,h2,h3,h4{font-family:var(--serif);font-weight:600;letter-spacing:-.018em;line-height:1.1}
h1{font-size:var(--t-h1);line-height:1.02;letter-spacing:-.028em;max-width:16ch}
h2{font-size:var(--t-h2);line-height:1.08;letter-spacing:-.022em;max-width:22ch}
h3{font-size:var(--t-h3);line-height:1.22;letter-spacing:-.012em}
h4{font-size:var(--t-lg);line-height:1.3}
/* Optical fix: serif italics need a touch more room. */
em,i{font-style:italic}
h1 em,h2 em{font-style:italic;color:var(--g)}

.lede{font-size:var(--t-xl);line-height:1.5;color:var(--ink-2);max-width:56ch;margin-top:22px}
.sub{color:var(--ink-2);max-width:62ch;margin-top:16px}
p+p{margin-top:1em}

.eyebrow{
  display:flex;align-items:center;gap:12px;
  font-family:var(--sans);font-size:var(--t-xs);font-weight:750;
  letter-spacing:.14em;text-transform:uppercase;color:var(--g);
  margin-bottom:18px;
}
/* Was a green dot. A dot beside a label is the house style of every generated
   site on the internet; a short rule is an editorial convention and reads as
   typeset rather than assembled. */
.eyebrow .tick{
  width:28px;height:2px;flex:none;border-radius:2px;
  background:linear-gradient(90deg,var(--go),rgba(22,196,106,.25));
}
.dark .eyebrow,.ctaband .eyebrow{color:var(--go)}

section{padding-block:var(--sec)}
.alt{background:var(--paper-2);border-block:1px solid var(--line)}
/* Dark sections. KT's note on v1 was that a cream page with green buttons reads
   as unfinished — the one part he liked was the forest CTA band. So forest is
   now a real surface in the rotation, not a single accent: masthead, the letter,
   the East Texas block, the CTA band, the trust bar. */
.dark{
  position:relative;isolation:isolate;
  background:linear-gradient(165deg,var(--forest),var(--forest-2));
  color:#e8f0ea;
  border-block:1px solid rgba(255,255,255,.08);
}
.dark::before{
  content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;
  background:radial-gradient(46rem 30rem at 84% -10%,rgba(22,196,106,.17),transparent 62%);
}
.dark h1,.dark h2,.dark h3,.dark h4{color:#fff}
.dark .sub,.dark .lede,.dark p{color:#b6cbbf}
.dark strong{color:#fff}
.dark em{color:var(--go)}
.dark .card{background:rgba(255,255,255,.045);border-color:rgba(255,255,255,.12)}
.dark .card h3{color:#fff}
.dark .card p{color:#a9c6b7}
.dark .card .num{color:var(--go)}
.dark .ticks li{color:#b6cbbf}
.dark .ticks li::before{border-color:var(--go)}
/* Not .btn — buttons carry their own foreground. Without this exclusion the
   "Questions? Contact me" button rendered green-on-green and was unreadable. */
.dark a:not(.btn){color:var(--go)}
.dark .disclose{color:#8fae9d;border-left-color:rgba(255,255,255,.18)}

/* The welcome letter. Set as correspondence rather than as another content
   block — bigger measure, serif salutation, and an actual signature. */
.letter .salut{font-family:var(--serif);font-size:23px;color:#fff;margin-top:22px;
  letter-spacing:-.015em}
.letter .sub{font-size:17px;line-height:1.75;max-width:56ch}
.sign{display:flex;align-items:center;gap:16px;margin-top:32px;padding-top:26px;
  border-top:1px solid rgba(255,255,255,.14)}
.sign img{width:72px;height:72px;border-radius:50%;object-fit:cover;flex:none;
  border:2px solid rgba(22,196,106,.5)}
.signame{font-family:var(--serif);font-size:26px;color:#fff;letter-spacing:-.02em;
  line-height:1.1}
.sigrole{font-size:13px;color:#8fae9d;margin-top:5px;line-height:1.5}

/* ---------------------------------------------------------------- brand marks */
/* The real logo is a green gaslight lantern with the wordmark and "THE KENNETH
   TRAVIS TEAM" beneath. It was sitting in assets/ the whole time. There is no
   reason to draw an abstract substitute for a mark that already exists.
   logo-header.png is white-on-transparent, which is why the header is dark. */
.brand{display:flex;align-items:center;flex:none}
.brand img{height:46px;width:auto}
@media(max-width:620px){.brand img{height:38px}}
footer .brand img{height:54px}

/* Vector trust marks — EHO, NMLS, lantern. Inherit currentColor so one file
   works on cream and on forest. */
.mark{width:34px;height:34px;flex:none}

/* Three-lamp traffic signal — the CTA band motif. Lights sequence to green. */
.signal{display:inline-flex;gap:7px;padding:7px 9px;border-radius:999px;
  background:rgba(0,0,0,.24);margin-bottom:26px}
.signal i{width:9px;height:9px;border-radius:50%;background:rgba(255,255,255,.16)}
.signal i:nth-child(1){animation:lamp 3.2s var(--ease) infinite}
.signal i:nth-child(2){animation:lamp 3.2s var(--ease) .35s infinite}
.signal i:nth-child(3){animation:lampGo 3.2s var(--ease) .7s infinite}
@keyframes lamp{0%,12%{background:rgba(255,255,255,.55)}30%,100%{background:rgba(255,255,255,.16)}}
@keyframes lampGo{0%,12%{background:var(--go);box-shadow:0 0 10px var(--go)}
  55%,100%{background:rgba(255,255,255,.16);box-shadow:none}}

/* ------------------------------------------------------------------ buttons */
.btn{
  --bg:var(--g);--fg:#fff;--bd:var(--g);
  display:inline-flex;align-items:center;justify-content:center;gap:9px;
  background:var(--bg);color:var(--fg);border:1.5px solid var(--bd);
  padding:15px 26px;border-radius:11px;
  font-family:var(--sans);font-size:15.5px;font-weight:650;letter-spacing:-.005em;
  transition:transform .16s var(--ease),box-shadow .16s var(--ease),background .16s;
  box-shadow:0 1px 2px rgba(11,58,41,.16);
}
.btn:hover{--bg:var(--g-dark);--bd:var(--g-dark);transform:translateY(-1.5px);
  box-shadow:0 8px 20px -8px rgba(11,58,41,.5)}
.btn:active{transform:translateY(0)}
.btn.sm{padding:11px 18px;font-size:14.5px;border-radius:9px}
.btn.lg{padding:18px 32px;font-size:17px}
.btn.ghost{--bg:transparent;--fg:var(--g);--bd:var(--line-2);box-shadow:none}
.btn.ghost:hover{--bg:var(--card);--fg:var(--g-dark);--bd:var(--g);box-shadow:var(--shadow)}
.btn.go{--bg:var(--go);--fg:#042417;--bd:var(--go)}
.btn.go:hover{--bg:#12b361;--bd:#12b361}
.btn.onDark{--bg:transparent;--fg:#fff;--bd:rgba(255,255,255,.34)}
.btn.onDark:hover{--bg:rgba(255,255,255,.1);--bd:rgba(255,255,255,.6)}
.btn[disabled]{opacity:.5;pointer-events:none}
.cta{display:flex;gap:13px;flex-wrap:wrap;margin-top:34px;align-items:center}

/* ------------------------------------------------------------------- header */
/* Dark header. Three reasons, in order of importance: the only logo artwork that
   exists is white-on-transparent and was drawn for a dark ground; a cream page
   under a cream header has no anchor and reads unfinished; and the site was
   "white with some green" — a forest masthead gives the green somewhere to live
   other than the buttons. */
header{
  position:sticky;top:0;z-index:80;
  background:linear-gradient(178deg,var(--forest),var(--forest-2));
  border-bottom:1px solid rgba(255,255,255,.09);
  transition:box-shadow .25s,background .25s;
}
header::after{
  content:"";position:absolute;inset:auto 0 0 0;height:2px;
  background:linear-gradient(90deg,var(--go),rgba(22,196,106,0) 42%);
}
header.stuck{box-shadow:0 10px 34px -20px rgba(4,26,17,.85)}
.nav{display:flex;align-items:center;gap:34px;height:84px;transition:height .25s var(--ease)}
header.stuck .nav{height:70px}

nav.links{display:flex;align-items:center;gap:6px;margin-left:auto}
.navlink{
  display:inline-flex;align-items:center;gap:5px;
    padding:9px 12px;border-radius:9px;white-space:nowrap;
    font-size:14.5px;font-weight:550;color:rgba(233,244,237,.82);
  transition:color .15s,background .15s;
}
.navlink:hover{color:#fff;background:rgba(255,255,255,.09)}
.chev{width:9px;height:6px;opacity:.55;transition:transform .2s var(--ease)}
.has-menu{position:relative}
.has-menu:hover .chev,.has-menu:focus-within .chev{transform:rotate(180deg)}
.menu{
  position:absolute;top:calc(100% + 10px);left:-8px;min-width:246px;z-index:90;
  opacity:0;visibility:hidden;transform:translateY(-7px);
  transition:opacity .18s var(--ease),transform .18s var(--ease),visibility .18s;
}
.has-menu:hover .menu,.has-menu:focus-within .menu{opacity:1;visibility:visible;transform:none}
.menuinner{
  background:var(--card);border:1px solid var(--line);border-radius:var(--r);
  box-shadow:var(--shadow-lg);padding:8px;
}
.menu a{
  display:block;padding:10px 14px;border-radius:9px;
  font-size:14.5px;font-weight:550;color:var(--ink-2);
  transition:background .13s,color .13s;
}
.menu a:hover{background:var(--paper-2);color:var(--forest)}

.navcta{display:flex;align-items:center;gap:14px;flex:none}
.navcta{display:flex;align-items:center;gap:18px;flex:none;margin-left:26px}
  color:rgba(233,244,237,.9);white-space:nowrap}
.phone:hover{color:var(--go)}
.phone svg{opacity:.55}
header .btn.sm{--bg:var(--go);--fg:#04241a;--bd:var(--go);font-weight:700}
header .btn.sm:hover{--bg:#2ad57c;--bd:#2ad57c}

.burger{display:none;width:44px;height:44px;border-radius:10px;
  border:1px solid rgba(255,255,255,.22);
  flex-direction:column;gap:4.5px;align-items:center;justify-content:center;
  background:rgba(255,255,255,.06)}
.burger span{display:block;width:17px;height:1.8px;background:#fff;border-radius:2px;
  transition:transform .22s var(--ease),opacity .18s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(6.3px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-6.3px) rotate(-45deg)}

.drawer{border-top:1px solid rgba(255,255,255,.1);background:var(--forest-2);color:#e8f0ea;
  max-height:calc(100dvh - 84px);overflow-y:auto;padding-block:22px 40px}
.drawer .dh{font-size:11.5px;font-weight:750;letter-spacing:.13em;text-transform:uppercase;
  color:var(--go);margin:24px 0 6px}
.drawer .dh:first-child{margin-top:0}
.drawer a{display:block;padding:12px 0;font-size:17px;font-weight:550;color:#e8f0ea;
  border-bottom:1px solid rgba(255,255,255,.09)}
.drawer a:hover{color:var(--go)}
.drawer .btn{display:flex;border-bottom:0;--bg:var(--go);--fg:#04241a;--bd:var(--go)}
.drawer .phone.big{font-size:22px;margin-top:18px;display:flex;justify-content:center;
  color:#fff;border-bottom:0}

@media(max-width:1180px){
  nav.links{display:none}
  .burger{display:flex}
  /* nav.links carries the margin-left:auto that pushes everything after it to
     the right edge. Hiding it took that away, so phone / Apply / burger sat
     flush against the logo with the whole right-hand side empty. The controls
     own the push at this width instead. */
  .navcta{margin-left:auto}
}
@media(max-width:620px){
  .navcta .phone{display:none}
  .btn.sm{padding:10px 14px}
}

/* --------------------------------------------------------------------- hero */
/* A big warm field of paper, a serif headline given room, and a soft green
   bloom top-right so the fold is not a flat rectangle.                        */
.hero{
  position:relative;isolation:isolate;
  /* Tightened: the dark masthead now anchors the top of the page, so the hero
     no longer needs to open with a void to separate itself from the header. */
  padding-block:clamp(34px,4vw,58px) clamp(44px,5vw,76px);
  background:
    radial-gradient(58rem 34rem at 88% -12%,rgba(22,196,106,.16),transparent 62%),
    radial-gradient(46rem 30rem at -8% 8%,rgba(11,58,41,.06),transparent 60%),
    linear-gradient(180deg,var(--paper-2),var(--paper) 72%);
  border-bottom:1px solid var(--line);
  overflow:hidden;
}
/* Faint contour texture. Cheap, no image request, keeps the fold from feeling flat. */
.hero::after{
  content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;opacity:.5;
  background-image:
    repeating-linear-gradient(115deg,transparent 0 38px,rgba(11,58,41,.028) 38px 39px);
  mask-image:linear-gradient(200deg,#000,transparent 62%);
  -webkit-mask-image:linear-gradient(200deg,#000,transparent 62%);
}
.hero h1{max-width:15ch}
.hero .lede{max-width:52ch}

.crumb{display:flex;flex-wrap:wrap;gap:8px;align-items:center;
  font-size:13.5px;color:var(--mut);margin-bottom:26px}
.crumb a{color:var(--mut);border-bottom:1px solid transparent}
.crumb a:hover{color:var(--g);border-bottom-color:currentColor}
.crumb span{opacity:.5}

/* Homepage hero: asymmetric, with the video as a real design element. */
.hero.home{padding-block:clamp(38px,4.5vw,66px) clamp(92px,9vw,128px)}
.herogrid{display:grid;grid-template-columns:1.06fr .94fr;gap:clamp(34px,4.5vw,70px);
  align-items:center}
@media(max-width:940px){.herogrid{grid-template-columns:1fr;gap:40px}}
.hero.home h1{font-size:var(--t-display);max-width:13ch;line-height:.98}
.hero.home h1 .rule{
  display:inline-block;position:relative;
}
.hero.home h1 .rule::after{
  content:"";position:absolute;left:0;right:0;bottom:.1em;height:.1em;border-radius:3px;
  background:linear-gradient(90deg,var(--go),rgba(22,196,106,0));
  transform:scaleX(0);transform-origin:left;
  animation:sweep 1.1s .35s var(--ease) forwards;
}
@keyframes sweep{to{transform:scaleX(1)}}

.heroproof{display:flex;flex-wrap:wrap;gap:10px 26px;margin-top:34px;
  padding-top:26px;border-top:1px solid var(--line)}
.heroproof div{display:flex;align-items:baseline;gap:9px}
.heroproof b{font-family:var(--serif);font-size:26px;font-weight:600;color:var(--forest);
  letter-spacing:-.02em}
.heroproof span{font-size:13.5px;color:var(--mut);max-width:15ch;line-height:1.35}

/* Video framed like a photograph, not an embed. */
.vidframe{position:relative;border-radius:var(--r-lg);overflow:hidden;
  background:var(--forest-2);box-shadow:var(--shadow-lg);
  border:1px solid rgba(11,58,41,.16)}
.vidframe video{width:100%;aspect-ratio:16/10;object-fit:cover;background:var(--forest-2)}
.vidcap{display:flex;align-items:center;gap:10px;margin-top:14px;font-size:13.5px;
  color:var(--mut)}
.vidcap .dot{width:8px;height:8px;box-shadow:0 0 0 3px var(--go-soft)}

/* ---------------------------------------------------------------- tiles row */
.tiles{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;
  margin-top:calc(-1 * clamp(48px,5vw,64px));position:relative;z-index:3}
@media(max-width:900px){.tiles{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.tiles{grid-template-columns:1fr}}
.tile{
  display:block;background:var(--card);border:1px solid var(--line);
  border-radius:var(--r);padding:24px 22px 20px;box-shadow:var(--shadow);
  transition:transform .2s var(--ease),box-shadow .2s var(--ease),border-color .2s;
}
.tile:hover{transform:translateY(-4px);border-color:rgba(22,196,106,.5);
  box-shadow:var(--shadow-lg)}
.tile .ti{display:grid;place-items:center;width:52px;height:52px;border-radius:14px;
  background:linear-gradient(155deg,rgba(22,196,106,.2),rgba(11,58,41,.07));
  border:1px solid rgba(22,196,106,.22);
  color:var(--g);margin-bottom:18px;
  transition:background .2s var(--ease),color .2s,transform .2s var(--ease)}
.tile .ti svg{width:29px;height:29px}
.tile:hover .ti{background:var(--forest);color:var(--go);transform:rotate(-3deg) scale(1.04);
  border-color:var(--forest)}
.tile h3{font-size:17.5px;margin-bottom:6px}
.tile p{font-size:14px;color:var(--mut);line-height:1.5}
.tile .go{display:inline-flex;align-items:center;gap:6px;margin-top:14px;
  font-family:var(--sans);font-size:13px;font-weight:700;color:var(--g)}
.tile .go svg{width:13px;height:9px;transition:transform .2s var(--ease)}
.tile:hover .go svg{transform:translateX(4px)}

/* -------------------------------------------------------------- split / grid */
.split{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(34px,5vw,72px);
  align-items:start}
.split.even{grid-template-columns:1fr 1fr}
.split.narrowright{grid-template-columns:1.35fr .65fr}
@media(max-width:880px){.split,.split.even,.split.narrowright{grid-template-columns:1fr;gap:38px}}

.grid{display:grid;gap:16px;margin-top:38px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:960px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:680px){.g2,.g3,.g4{grid-template-columns:1fr}}

.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);
  padding:26px 24px}
.card h3{font-size:18.5px;margin-bottom:9px}
.card p{color:var(--ink-2);font-size:15.5px;line-height:1.6}
.card .num{font-family:var(--serif);font-size:15px;color:var(--go);font-weight:600;
  display:block;margin-bottom:12px;letter-spacing:.02em}

/* Loan cards — the primary navigational surface of the site. */
.lgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:38px}
@media(max-width:920px){.lgrid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.lgrid{grid-template-columns:1fr}}
/* Loan cards were six identical white blocks. Each now carries its own mark and
   its own accent, plus a one-line "who it's for" tag — so the grid reads as six
   different products rather than one product repeated. */
.lcard{
  --accent:var(--go);
  position:relative;display:flex;flex-direction:column;
  background:var(--card);border:1px solid var(--line);border-radius:var(--r);
  padding:26px;overflow:hidden;isolation:isolate;
  transition:transform .2s var(--ease),box-shadow .2s var(--ease),border-color .2s;
}
/* Tinted wash in the top corner, keyed to the program. */
.lcard::after{
  content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;
  background:radial-gradient(16rem 9rem at 100% 0%,
             color-mix(in srgb,var(--accent) 20%,transparent),transparent 68%);
  opacity:.85;transition:opacity .25s var(--ease);
}
.lcard::before{
  content:"";position:absolute;inset:0 auto 0 0;width:3px;background:var(--accent);
  transform:scaleY(0);transform-origin:top;transition:transform .28s var(--ease);
}
.lcard:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:var(--line-2)}
.lcard:hover::before{transform:scaleY(1)}
.lcard:hover::after{opacity:1}
.lcard .lmark{
  display:grid;place-items:center;width:46px;height:46px;border-radius:12px;
  margin-bottom:16px;color:var(--accent);
  background:color-mix(in srgb,var(--accent) 14%,#fff);
  border:1px solid color-mix(in srgb,var(--accent) 26%,transparent);
}
.lcard .lmark svg{width:26px;height:26px}
.lcard .who{
  display:inline-block;font-family:var(--sans);font-size:11.5px;font-weight:750;
  letter-spacing:.09em;text-transform:uppercase;margin-bottom:11px;
  color:color-mix(in srgb,var(--accent) 72%,var(--ink));
}
.lcard h3{font-size:21px;margin-bottom:9px}
.lcard p{color:var(--ink-2);font-size:15px;line-height:1.58;flex:1}
.lcard .go{display:inline-flex;align-items:center;gap:7px;margin-top:18px;
  font-family:var(--sans);font-size:13.5px;font-weight:700;color:var(--g)}
.lcard .go svg{width:14px;height:9px;transition:transform .2s var(--ease)}
.lcard:hover .go svg{transform:translateX(5px)}

/* ------------------------------------------------------------------- ticks */
.ticks{list-style:none;margin-top:24px}
.ticks li{position:relative;padding-left:32px;margin-bottom:14px;color:var(--ink-2);
  font-size:16.5px;line-height:1.55}
.ticks li::before{
  content:"";position:absolute;left:2px;top:8px;width:15px;height:8px;
  border-left:2.5px solid var(--go);border-bottom:2.5px solid var(--go);
  transform:rotate(-45deg);
}

/* --------------------------------------------------------------------- FAQ */
.faq{margin-top:38px;max-width:820px;border-top:1px solid var(--line)}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{
  cursor:pointer;list-style:none;position:relative;
  padding:22px 46px 22px 0;
  font-family:var(--serif);font-size:19px;font-weight:600;letter-spacing:-.012em;
  transition:color .15s;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--g)}
.faq summary::after{
  content:"";position:absolute;right:10px;top:50%;width:13px;height:13px;
  margin-top:-6px;
  background:
    linear-gradient(var(--go),var(--go)) center/13px 2.2px no-repeat,
    linear-gradient(var(--go),var(--go)) center/2.2px 13px no-repeat;
  transition:transform .24s var(--ease);
}
.faq details[open] summary::after{transform:rotate(90deg);
  background:linear-gradient(var(--go),var(--go)) center/13px 2.2px no-repeat}
.faq .a{padding:0 0 24px;color:var(--ink-2);max-width:68ch}

/* ----------------------------------------------------------------- quotes */
.tgrid{columns:3;column-gap:16px;margin-top:38px}
@media(max-width:960px){.tgrid{columns:2}}
@media(max-width:640px){.tgrid{columns:1}}
.quote{
  break-inside:avoid;margin:0 0 16px;
  background:var(--card);border:1px solid var(--line);border-radius:var(--r);
  padding:28px 26px;
}
.quote blockquote{font-family:var(--serif);font-size:17px;line-height:1.55;
  color:var(--ink);letter-spacing:-.008em}
.quote blockquote::before{content:"\201C";color:var(--go);font-size:42px;line-height:0;
  vertical-align:-.28em;margin-right:2px}
.quote figcaption{display:flex;flex-direction:column;gap:6px;margin-top:18px;
  padding-top:16px;border-top:1px solid var(--line);font-family:var(--sans)}
.quote figcaption .who{font-size:12.5px;font-weight:800;letter-spacing:.06em;
  text-transform:uppercase;color:var(--ink)}
.quote figcaption time{font-size:12.5px;color:var(--mut)}
.stars{display:flex;gap:2px;color:var(--go);margin-bottom:14px}
.stars svg{width:15px;height:15px}

/* Provenance. A review we can link to and one we cannot must not look alike —
   that is the whole point of showing a source at all. */
.prov{font-size:12px;font-weight:650;line-height:1.45}
.prov.ok{color:var(--g);text-decoration:none;
  display:inline-flex;align-items:center;gap:4px}
.prov.ok:hover{text-decoration:underline}
.prov.pending{color:#8a6d1f;background:#fdf6e3;border:1px solid #f0e2b8;
  padding:5px 9px;border-radius:6px;font-weight:600;display:inline-block}

/* External review platforms */
.plat{display:flex;flex-direction:column;background:var(--card);
  border:1px solid var(--line);border-radius:var(--r);padding:24px;height:100%}
.plat .score{font-family:var(--serif);font-size:42px;font-weight:600;color:var(--forest);
  line-height:1;letter-spacing:-.03em}
.plat .of{font-size:13px;color:var(--mut);margin-top:6px}
.plat h3{font-size:18px;margin:14px 0 8px}
.plat p{font-size:14px;color:var(--ink-2);line-height:1.55;flex:1}
.plat .go{margin-top:16px;font-size:13.5px;font-weight:700;color:var(--g)}
.plat.unconfirmed{background:var(--paper-2);border-style:dashed}
.plat.unconfirmed .score{color:var(--line-2)}

/* --------------------------------------------------------------- CTA band */
.band-wrap{padding-block:0 var(--sec)}
.ctaband{
  position:relative;overflow:hidden;isolation:isolate;
  background:linear-gradient(150deg,var(--forest),var(--forest-2));
  color:#fff;border-radius:var(--r-lg);
  padding:clamp(46px,6vw,74px) clamp(28px,5vw,64px);
  text-align:center;
}
.ctaband::before{
  content:"";position:absolute;inset:0;z-index:-1;
  background:radial-gradient(30rem 20rem at 78% 0%,rgba(22,196,106,.28),transparent 64%);
}
.ctaband h2{color:#fff;max-width:20ch;margin-inline:auto}
.ctaband p{color:#a9c6b7;margin:18px auto 0;max-width:52ch;font-size:var(--t-lg)}
.ctaband .cta{justify-content:center}
.bandnote{font-size:12.5px !important;color:rgba(255,255,255,.52) !important;
  margin-top:26px !important}

/* ---------------------------------------------------------------- trust bar */
.trustbar{background:var(--forest-2);color:#cfe2d6;
  border-top:1px solid rgba(255,255,255,.08)}
.trustrow{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;padding-block:34px}
@media(max-width:880px){.trustrow{grid-template-columns:1fr;gap:24px}}
.trust{display:flex;gap:15px;align-items:flex-start}
.trust .mark{color:var(--go);margin-top:1px}
.trust strong{display:block;font-size:14.5px;font-weight:700;color:#fff;letter-spacing:-.005em}
.trust small{display:block;font-size:12.5px;line-height:1.55;color:#95b6a3;margin-top:5px;
  max-width:36ch}

/* ------------------------------------------------------------------ footer */
/* Footer runs dark, continuous with the trust bar above it. Two reasons: the
   only logo artwork is white-on-transparent, so a cream footer showed nothing
   at all; and a solid dark base anchors the page instead of letting it fade
   out into more cream. */
footer{background:var(--forest-2);border-top:0;
  padding-block:clamp(48px,5vw,72px) 44px;font-size:14.5px;color:#a9c6b7}
.fg{display:grid;grid-template-columns:1.7fr repeat(4,1fr);gap:34px;
  padding-bottom:38px;border-bottom:1px solid rgba(255,255,255,.12)}
@media(max-width:1000px){.fg{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:660px){.fg{grid-template-columns:1fr 1fr}.fbrand{grid-column:1/-1}}
.fbrand p{font-size:14.5px;color:#93b3a1;margin-top:16px;max-width:34ch;line-height:1.6}
.fnap{font-size:14px}
.fnap strong{color:#fff}
.fnap a{color:var(--go);font-weight:650}
.fbadges{display:flex;gap:14px;margin-top:22px;color:var(--go)}
footer h4{font-family:var(--sans);font-size:11.5px;font-weight:750;letter-spacing:.13em;
  text-transform:uppercase;color:#fff;margin-bottom:15px}
footer .fg a{display:block;margin-bottom:10px;color:#a9c6b7;font-size:14.5px;
  transition:color .13s}
footer .fg a:hover{color:var(--go)}
.fbrand .brand{margin-bottom:0}
.fareas{padding-block:24px;font-size:13.5px;color:#93b3a1;line-height:1.7;
  border-bottom:1px solid rgba(255,255,255,.12)}
.fareas strong{color:#fff}

/* Legal: quiet but legible. 13px against forest clears AA comfortably —
   disclosure you cannot read is not disclosure, and it looks cheap. */
.legal{padding-top:26px;font-size:13px;line-height:1.72;color:#8fae9d}
.legal p+p{margin-top:13px}
.legal strong{color:#cfe2d6}
.legal a{color:var(--go);text-decoration:underline;text-underline-offset:2px}
.legal .copy{margin-top:22px;padding-top:18px;
  border-top:1px solid rgba(255,255,255,.12);font-size:13px}
.legal .todo{background:#5a4300;color:#ffd97a}
.todo{background:#fff4d6;color:#7a5200;padding:1px 6px;border-radius:4px;
  font-style:normal;font-weight:600}

/* Inline disclosure — one line beside a number, never a paragraph. */
.disclose{font-size:12.5px;line-height:1.55;color:var(--mut);margin-top:10px;
  padding-left:13px;border-left:2px solid var(--line-2);max-width:60ch}

/* ------------------------------------------------------------------- forms */
.field{margin-bottom:18px}
.field label{display:block;font-size:14px;font-weight:650;margin-bottom:7px;color:var(--ink)}
.field .help{font-size:13px;color:var(--mut);margin:-2px 0 8px}
.field input,.field select,.field textarea{
  width:100%;background:var(--card);border:1.5px solid var(--line-2);
  border-radius:10px;padding:13px 15px;font-size:16px;color:var(--ink);
  transition:border-color .15s,box-shadow .15s;
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--go);box-shadow:0 0 0 4px var(--go-soft);
}
.field input[aria-invalid="true"],.field select[aria-invalid="true"]{border-color:#c0392b}
.field .err{display:none;font-size:13px;color:#c0392b;margin-top:6px;font-weight:600}
.field.bad .err{display:block}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:600px){.frow{grid-template-columns:1fr}}
fieldset{border:0}
legend{font-family:var(--serif);font-size:var(--t-h3);font-weight:600;margin-bottom:6px}

/* Choice chips — used by the estimator. Bigger tap targets than radios. */
.choices{display:grid;gap:10px;margin-top:6px}
.choices.two{grid-template-columns:1fr 1fr}
@media(max-width:520px){.choices.two{grid-template-columns:1fr}}
.choice{position:relative}
.choice input{position:absolute;opacity:0;width:1px;height:1px}
.choice span{
  display:block;padding:15px 18px;border:1.5px solid var(--line-2);border-radius:11px;
  background:var(--card);font-size:15.5px;font-weight:550;cursor:pointer;
  transition:border-color .15s,background .15s,box-shadow .15s;
}
.choice span small{display:block;font-size:13px;font-weight:450;color:var(--mut);margin-top:3px}
.choice input:checked+span{border-color:var(--go);background:var(--go-soft);
  box-shadow:0 0 0 3px rgba(22,196,106,.1)}
.choice input:focus-visible+span{outline:2.5px solid var(--go);outline-offset:2px}

/* Consent checkbox — deliberately not styled to disappear. Never pre-ticked. */
.consent{display:flex;gap:13px;align-items:flex-start;background:var(--paper-2);
  border:1.5px solid var(--line-2);border-radius:12px;padding:17px 18px;margin-top:6px}
.consent input{width:21px;height:21px;flex:none;margin-top:1px;accent-color:var(--g);
  cursor:pointer}
.consent label{font-size:13.5px;line-height:1.6;color:var(--ink-2);cursor:pointer}
.consent.bad{border-color:#c0392b;background:#fdf3f2}

/* Estimator result — the number, then one line under it. */
.result{background:linear-gradient(150deg,var(--forest),var(--forest-2));color:#fff;
  border-radius:var(--r-lg);padding:clamp(32px,4vw,48px);text-align:center}
.result .big{font-family:var(--serif);font-size:clamp(46px,8vw,78px);font-weight:600;
  letter-spacing:-.035em;line-height:1;color:var(--go)}
.result .cap{font-size:14px;color:#a9c6b7;margin-top:12px}
.result .rnote{font-size:12.5px;color:rgba(255,255,255,.6);margin-top:22px;
  padding-top:18px;border-top:1px solid rgba(255,255,255,.14);line-height:1.6}

/* ------------------------------------------------------------ the estimator */
.estcard{background:var(--card);border:1px solid var(--line);border-radius:var(--r-lg);
  padding:clamp(26px,4vw,44px);box-shadow:var(--shadow)}
.estcard h2{font-size:clamp(24px,2.4vw + 15px,34px);max-width:24ch}
.estcard .btn{margin-top:8px}
.estq{margin-bottom:6px}
.estprog{margin-bottom:26px}
.estprog span{display:block;font-size:12.5px;font-weight:700;letter-spacing:.08em;
  text-transform:uppercase;color:var(--mut);margin-top:10px}
.estbar{height:4px;border-radius:3px;background:var(--go);
  transition:width .4s var(--ease);min-width:4px}
.estprog{position:relative}
.estprog::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;
  border-radius:3px;background:var(--sand)}
.estbar{position:relative}
.estnav{display:flex;justify-content:space-between;gap:12px;margin-top:32px;align-items:center}
.estinput{position:relative;margin-top:18px}
.estinput input{font-size:26px;font-weight:600;padding:18px 46px;text-align:center;
  font-family:var(--serif);letter-spacing:-.01em}
.estinput .affix{position:absolute;top:50%;transform:translateY(-50%);left:20px;
  font-family:var(--serif);font-size:22px;color:var(--mut);pointer-events:none}
.estinput .affix.right{left:auto;right:20px}
.estinput .err{text-align:center}
.estcard .choices{margin-top:22px}

/* -------------------------------------------------------------- prose pages */
.prose{max-width:var(--narrow)}
.prose h2{font-size:clamp(24px,2vw + 16px,32px);margin-top:48px;margin-bottom:14px;
  max-width:30ch}
.prose h3{margin-top:32px;margin-bottom:10px}
.prose p,.prose li{color:var(--ink-2);font-size:16.5px;line-height:1.72}
.prose ul,.prose ol{margin:16px 0 16px 22px}
.prose li{margin-bottom:9px}
.prose a{color:var(--g);text-decoration:underline;text-underline-offset:3px}
.prose strong{color:var(--ink)}
.prose>p:first-child{font-size:var(--t-lg);color:var(--ink-2)}
.updated{font-size:13.5px;color:var(--mut);padding:12px 16px;background:var(--paper-2);
  border-left:3px solid var(--go);border-radius:0 8px 8px 0;margin-bottom:34px}

/* -------------------------------------------------------------- team cards */
.team{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:38px}
@media(max-width:900px){.team{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.team{grid-template-columns:1fr}}
.person{background:var(--card);border:1px solid var(--line);border-radius:var(--r);
  padding:26px;text-align:center}
.person img,.person .ph{width:104px;height:104px;border-radius:50%;margin:0 auto 16px;
  object-fit:cover;border:3px solid var(--card);box-shadow:0 4px 18px rgba(16,28,21,.14)}
.person .ph{display:grid;place-items:center;background:var(--sand);color:var(--mut);
  font-family:var(--serif);font-size:30px;box-shadow:none;border:1px dashed var(--line-2)}
.person h3{font-size:19px}
.person .role{font-size:13.5px;font-weight:650;color:var(--g);margin-top:4px}
.person .nmls{font-family:var(--mono);font-size:12px;color:var(--mut);margin-top:8px}
.person p{font-size:14.5px;color:var(--ink-2);margin-top:12px;line-height:1.55}

/* Kenneth's card — the one person whose details are confirmed. */
.locard{display:grid;grid-template-columns:auto 1fr;gap:clamp(24px,4vw,44px);
  align-items:center;background:var(--card);border:1px solid var(--line);
  border-radius:var(--r-lg);padding:clamp(26px,4vw,44px);box-shadow:var(--shadow)}
@media(max-width:700px){.locard{grid-template-columns:1fr;text-align:center;
  justify-items:center}}
.locard img{width:168px;height:168px;border-radius:var(--r);object-fit:cover;
  box-shadow:var(--shadow-lg)}
.locard h3{font-size:clamp(26px,3vw,34px)}
.locard .role{font-size:14.5px;font-weight:700;color:var(--g);margin-top:6px;
  letter-spacing:.01em}
.locard .meta{color:var(--ink-2);font-size:15.5px;margin-top:14px;line-height:1.65}
.locard .meta a{color:var(--g);font-weight:650}
.locard .tag{font-family:var(--serif);font-style:italic;font-size:18px;color:var(--forest);
  margin-top:16px}

/* ------------------------------------------------------------- misc blocks */
/* Town list. Was a row of rounded pills, which every visitor read as buttons and
   then tried to click. They are place names, not controls — so they are set as
   type, on a rule, with no affordance suggesting otherwise. */
.places{display:flex;flex-wrap:wrap;gap:0 10px;margin-top:26px;
  font-family:var(--serif);font-size:clamp(21px,2.2vw,30px);line-height:1.45;
  letter-spacing:-.015em;color:var(--forest);max-width:22ch}
/* Separator trails the name rather than leading the next one, so a wrapped line
   never opens with a stray middot. */
.places span{white-space:nowrap}
.places span:not(:last-child)::after{content:"·";color:var(--go);margin-left:11px;
  font-weight:700}
.dark .places{color:#fff}
.districts{margin-top:20px;padding-top:18px;border-top:1px solid var(--line);
  font-size:15px;color:var(--mut)}
.dark .districts{border-top-color:rgba(255,255,255,.14);color:#a9c6b7}
.callout{background:var(--paper-2);border:1px solid var(--line);border-left:3px solid var(--go);
  border-radius:0 var(--r) var(--r) 0;padding:22px 24px;margin:28px 0}
.callout h3{font-size:18px;margin-bottom:8px}
.callout p{color:var(--ink-2);font-size:15.5px}

.steps{counter-reset:s;margin-top:38px;display:grid;gap:2px}
.step{position:relative;padding:24px 0 24px 62px;border-bottom:1px solid var(--line)}
.step:last-child{border-bottom:0}
.step::before{
  counter-increment:s;content:counter(s);
  position:absolute;left:0;top:22px;width:38px;height:38px;border-radius:50%;
  display:grid;place-items:center;background:var(--card);border:1.5px solid var(--line);
  font-family:var(--serif);font-size:17px;font-weight:600;color:var(--g);
}
.step h3{font-size:19.5px;margin-bottom:6px}
.step p{color:var(--ink-2);font-size:15.5px;max-width:62ch}

.postlist{display:grid;gap:2px;margin-top:38px;border-top:1px solid var(--line)}
.post{display:grid;grid-template-columns:132px 1fr;gap:26px;padding:26px 0;
  border-bottom:1px solid var(--line);transition:background .15s}
.post:hover{background:var(--paper-2)}
@media(max-width:640px){.post{grid-template-columns:1fr;gap:8px}}
.post time{font-size:13.5px;color:var(--mut);padding-top:4px}
.post h3{font-size:21px;margin-bottom:7px}
.post p{color:var(--ink-2);font-size:15.5px;max-width:64ch}
.post .tagline{display:inline-block;margin-top:11px;font-size:12.5px;font-weight:700;
  letter-spacing:.06em;text-transform:uppercase;color:var(--g)}

.empty{background:var(--paper-2);border:1px dashed var(--line-2);border-radius:var(--r);
  padding:34px;text-align:center;color:var(--mut);margin-top:34px}
.empty h3{color:var(--ink);margin-bottom:8px}

/* Data table — used by the amortization view. Scrolls on its own. */
.tablewrap{overflow-x:auto;margin-top:22px;border:1px solid var(--line);
  border-radius:var(--r);background:var(--card)}
table{border-collapse:collapse;width:100%;font-size:14.5px;min-width:520px}
th,td{padding:12px 16px;text-align:right;border-bottom:1px solid var(--line)}
th:first-child,td:first-child{text-align:left}
th{font-family:var(--sans);font-size:12px;font-weight:750;letter-spacing:.08em;
  text-transform:uppercase;color:var(--mut);background:var(--paper-2);
  position:sticky;top:0}
tbody tr:last-child td{border-bottom:0}
td.num{font-variant-numeric:tabular-nums}

/* ------------------------------------------------------------------ motion */
/* Everything below is an enhancement. The page is complete without it.
   Note the .js scope: the hidden state is only applied when the inline head
   script has confirmed scripting is alive. With JS off — or if site.js throws
   and removes the class — every .reveal block is simply visible. Content that
   only appears if a script succeeds is content that can vanish. */
.js .reveal{opacity:0;transform:translateY(14px)}
.js .reveal.revealed{opacity:1;transform:none;
  transition:opacity .6s var(--ease),transform .6s var(--ease)}

@media(prefers-reduced-motion:reduce){
  *,*::before,*::after{
    animation-duration:.001ms !important;animation-iteration-count:1 !important;
    transition-duration:.001ms !important;scroll-behavior:auto !important;
  }
  .js .reveal{opacity:1;transform:none}
  .hero.home h1 .rule::after{transform:scaleX(1)}
}

@media print{
  header,.drawer,.trustbar,.band-wrap,.tiles,video{display:none}
  body{background:#fff}
  .legal{font-size:9pt}
}

/* ------------------------------------------------------- archive listings */
.attrib{font-size:13px;font-weight:650;color:var(--mut);margin-bottom:10px;
  text-transform:uppercase;letter-spacing:.06em}
blockquote.thirdparty{font-family:var(--serif);font-size:18px;line-height:1.65;
  color:var(--ink-2);padding:20px 24px;background:var(--paper-2);
  border-left:3px solid var(--line-2);border-radius:0 var(--r) var(--r) 0}
.lcard .bmeta{font-size:13px;color:var(--mut);margin-top:10px;flex:none}
table.deets{min-width:0}
table.deets th{text-align:left;white-space:nowrap;width:1%;background:transparent;
  position:static;font-size:11.5px;color:var(--mut);vertical-align:top;padding-right:18px}
table.deets td{text-align:left;font-size:14.5px}
table.deets a{color:var(--g);font-weight:650}

/* Team cards where the person is real but their title/NMLS is not yet confirmed. */
.person.unconfirmed{background:var(--paper-2);border-style:dashed}
.person .role.pending,.person .nmls.pending{color:#8a6d1f;font-weight:600}
.person .role.pending{font-style:italic}

/* --------------------------------------------------------- partner co-brand */
/* Shown when a professional shares a tool link. Reads "shared with you by",
   never "brought to you by" — they passed on a tool, they did not endorse a
   lender, and we do not get to imply otherwise on their behalf. */
.cobrand{background:var(--sand);border-bottom:1px solid var(--line-2);
  padding-block:12px;font-size:14px}
.cobrand .wrap{display:flex;flex-wrap:wrap;align-items:baseline;gap:4px 10px}
.cobrand .cb-label{color:var(--mut);font-size:13px}
.cobrand strong{font-family:var(--serif);font-size:18px;color:var(--forest);
  letter-spacing:-.01em}
.cobrand .cb-note{color:var(--mut);font-size:12.5px;flex-basis:100%;line-height:1.5}
.cobrand .cb-x{margin-left:auto;width:30px;height:30px;border-radius:8px;font-size:20px;
  line-height:1;color:var(--mut);border:1px solid transparent;flex:none}
.cobrand .cb-x:hover{background:var(--card);border-color:var(--line-2);color:var(--ink)}

/* Compact input rows for the pro calculators — a lot of fields in a small box. */
.field.pf{margin-bottom:14px}
.field.pf label{font-size:13.5px;margin-bottom:4px}
.field.pf .help{font-size:12px;margin:-1px 0 6px;line-height:1.45}
.pfin{position:relative}
.pfin .affix{position:absolute;top:50%;transform:translateY(-50%);left:14px;
  font-size:15px;color:var(--mut);pointer-events:none}
.pfin .affix.right{left:auto;right:14px}
.pfin input{padding-left:30px;font-variant-numeric:tabular-nums}
.pfin .affix.right ~ input,.field.pf input[id$="-rate"],.field.pf input[id$="-tax"],
.field.pf input[id$="-maint"],.field.pf input[id$="-sellcost"],
.field.pf input[id$="-commission"],.field.pf input[id$="-closing"],
.field.pf input[id$="-appreciation"],.field.pf input[id$="-rentgrowth"]{padding-left:15px}
table tr.total th,table tr.total td{border-top:2px solid var(--line-2);
  font-weight:800;color:var(--ink);padding-top:14px}
.cobrand+main .hero{padding-top:clamp(26px,3vw,44px)}

/* --------------------------------------------------- sticky mobile actions */
/* Persistent, honest, and never interruptive. The README rules out exit-intent
   popups, countdown timers, fake scarcity and self-opening chat bubbles — all
   of which read as desperate to exactly the referral-quality people worth
   having. A bar that sits there offering the two things someone actually wants
   is the opposite: always available, never in your face. Mobile only, where
   the header CTA has scrolled away. */
.actionbar{display:none}
@media(max-width:760px){
  .actionbar{
    display:flex;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:70;
    padding:10px 14px calc(10px + env(safe-area-inset-bottom));
    background:rgba(12,60,42,.96);backdrop-filter:blur(10px);
    border-top:1px solid rgba(255,255,255,.12);
    transform:translateY(110%);transition:transform .28s var(--ease);
  }
  .actionbar.up{transform:none}
  .actionbar a{flex:1;display:flex;align-items:center;justify-content:center;gap:8px;
    padding:13px 10px;border-radius:10px;font-size:15px;font-weight:700;
    text-align:center;line-height:1.2}
  .actionbar .ab-call{background:rgba(255,255,255,.1);color:#fff;
    border:1px solid rgba(255,255,255,.24)}
  .actionbar .ab-go{background:var(--go);color:#04241a}
  body{padding-bottom:0}
  body.has-actionbar{padding-bottom:76px}
}
@media(prefers-reduced-motion:reduce){.actionbar{transition:none}}