/* ============================================================
   The 2026 Columbia Buyer Starter Kit - Selling Carolinas Group
   Palette: navy + gold on mostly white, with warm cream accents
   ============================================================ */

:root{
  --ink:#16233F;
  --ink-deep:#0D1730;
  --ink-soft:#243458;
  --copper:#B8862A;
  --copper-deep:#8A6414;
  --copper-light:#DFBB65;
  --sand:#F7F3EC;
  --bone:#FFFFFF;
  --sage:#8C97AF;
  --sage-deep:#4B5674;
  --clay:#E2DACA;
  --text:#1A2540;
  --text-mid:#4E5872;
  --line:#E2E1DC;
  --line-ink:rgba(255,255,255,.18);

  --wrap:1120px;
  --r:14px;
  --r-lg:22px;

  --sans:"Satoshi","Helvetica Neue",Arial,system-ui,sans-serif;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;

  --shadow:0 1px 2px rgba(16,35,31,.05), 0 12px 32px -12px rgba(16,35,31,.18);
  --shadow-lg:0 2px 4px rgba(10,23,21,.08), 0 30px 60px -24px rgba(10,23,21,.35);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:#fff;color:var(--text);
  font-family:var(--sans);font-size:17px;line-height:1.65;
  font-weight:400;-webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
button{font:inherit}

h1,h2,h3,h4{font-family:var(--serif);font-weight:600;line-height:1.08;letter-spacing:-.015em;margin:0 0 .5em;font-variation-settings:"SOFT" 0,"WONK" 0}
h1{font-size:clamp(2.35rem,7.2vw,4.6rem);font-weight:600}
h2{font-size:clamp(1.95rem,4.6vw,3.2rem)}
h3{font-size:clamp(1.3rem,2.4vw,1.75rem)}
h4{font-size:clamp(1.2rem,2vw,1.5rem)}
p{margin:0 0 1.1em}

.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 22px}

/* ---------- progress + topbar ---------- */
.progress{position:fixed;top:0;left:0;right:0;height:3px;z-index:60;background:transparent;pointer-events:none}
.progress span{display:block;height:100%;width:0;background:linear-gradient(90deg,var(--copper-deep),var(--copper-light))}

.topbar{
  position:sticky;top:0;z-index:50;display:flex;align-items:center;justify-content:space-between;
  gap:14px;padding:12px 22px;background:rgba(13,23,48,.94);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line-ink);color:var(--sand);
}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;min-width:0}
.logo{width:32px;height:32px;flex:none;color:var(--sand)}
.logo.lg{width:46px;height:46px}
.brand-text{display:flex;flex-direction:column;min-width:0}
.brand-text strong{font-family:var(--serif);font-weight:600;font-size:.98rem;letter-spacing:-.01em;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.brand-text em{font-style:normal;font-size:.68rem;letter-spacing:.13em;text-transform:uppercase;color:rgba(247,243,236,.62)}
.topbar-cta{
  flex:none;text-decoration:none;font-size:.82rem;font-weight:700;letter-spacing:.04em;
  padding:9px 15px;border-radius:999px;background:var(--copper-light);color:var(--ink-deep);white-space:nowrap;
}
.topbar-cta:hover{background:#EBCE86}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;text-align:center;
  text-decoration:none;font-weight:700;font-size:.95rem;letter-spacing:.01em;
  padding:15px 24px;border-radius:999px;border:1.5px solid transparent;cursor:pointer;
  transition:background .2s ease,color .2s ease,border-color .2s ease,transform .2s ease;
  min-height:50px;
}
.btn:active{transform:translateY(1px)}
.btn-accent{background:var(--ink);color:#fff}
.btn-accent:hover{background:var(--ink-deep)}
/* on dark navy panels the primary flips to gold for contrast */
.hero .btn-accent,.section-ink .btn-accent,.closing .btn-accent,.sticky-bar .btn-accent,.calc-result .btn-accent{
  background:var(--copper-light);color:var(--ink-deep);
}
.hero .btn-accent:hover,.section-ink .btn-accent:hover,.closing .btn-accent:hover,.sticky-bar .btn-accent:hover,.calc-result .btn-accent:hover{
  background:#EBCE86;color:var(--ink-deep);
}
.btn-ghost{background:transparent;color:var(--sand);border-color:rgba(247,243,236,.45)}
.btn-ghost:hover{background:rgba(247,243,236,.1);border-color:var(--sand)}
.btn-outline{background:transparent;color:var(--sand);border-color:rgba(247,243,236,.42)}
.btn-outline:hover{background:rgba(247,243,236,.12)}
.btn-quiet{background:transparent;color:var(--text-mid);border-color:var(--line)}
.btn-quiet:hover{background:#fff;color:var(--text)}
.btn-block{width:100%}
.btn-lg{padding:17px 30px;font-size:1rem}
.btn:disabled{opacity:.4;cursor:not-allowed}

a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible{
  outline:3px solid var(--copper-deep);outline-offset:3px;border-radius:6px;
}

/* ---------- hero ---------- */
.hero{position:relative;color:var(--sand);background:var(--ink-deep);overflow:hidden}
.hero-media{position:absolute;inset:0}
.hero-media img{width:100%;height:100%;object-fit:cover;object-position:center 62%;filter:saturate(.82) contrast(1.02)}
.hero-media::after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(178deg,rgba(10,23,21,.86) 0%,rgba(10,23,21,.72) 42%,rgba(10,23,21,.95) 100%),
             radial-gradient(120% 70% at 15% 20%,rgba(16,35,31,.35),transparent 70%);
}
.hero-inner{position:relative;padding:74px 22px 86px;max-width:var(--wrap)}
.eyebrow{font-size:.72rem;letter-spacing:.19em;text-transform:uppercase;font-weight:700;color:var(--copper-light);margin:0 0 18px}
.hero h1{max-width:16em;margin-bottom:.35em}
.lede{font-family:var(--serif);font-style:italic;font-weight:400;font-size:clamp(1.15rem,2.4vw,1.6rem);line-height:1.35;color:#EDE6D9;max-width:24em}
.hero-body{max-width:36em;color:rgba(240,235,225,.9);font-size:1.03rem}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.cta-row.center{justify-content:center}
.hero-note{margin-top:20px;font-size:.87rem;color:rgba(240,235,225,.66)}

/* ---------- sections ---------- */
.section{padding:84px 0 92px;position:relative}
.section-sand{background:var(--sand);color:var(--text)}
.section-bone{background:var(--bone);color:var(--text);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-ink{background:var(--ink);color:#EFEADF}
.section-ink h2,.section-ink h3,.section-ink h4{color:var(--sand)}

.sec-num{font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;font-weight:700;color:var(--copper-deep);margin:0 0 14px}
.section-ink .sec-num{color:var(--copper-light)}
.section h2{max-width:24ch}
.sec-lede{font-size:1.1rem;max-width:34em;color:var(--text-mid)}
.section-ink .sec-lede{color:rgba(239,234,223,.82)}
.sec-lede.strong{font-weight:700;color:var(--sand)}
.sec-lede.tight{margin-top:-.4em}
.sub-head{margin:56px 0 18px;font-size:clamp(1.3rem,2.6vw,1.9rem)}

/* ---------- calculator ---------- */
.calc{
  display:grid;grid-template-columns:1.05fr .95fr;gap:0;margin:34px 0 26px;
  background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow);
}
.calc-controls{padding:30px 30px 28px}
.calc-label{display:block;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--text-mid)}
.calc-price{display:block;font-family:var(--serif);font-size:clamp(1.9rem,4vw,2.6rem);font-weight:600;letter-spacing:-.02em;margin:6px 0 14px;color:var(--ink)}
input[type=range]{
  -webkit-appearance:none;appearance:none;width:100%;height:34px;background:transparent;margin:0;cursor:pointer;
}
input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:99px;background:var(--clay)}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;width:30px;height:30px;border-radius:50%;background:var(--copper);
  border:4px solid #fff;box-shadow:0 2px 8px rgba(16,35,31,.3);margin-top:-12px;
}
input[type=range]::-moz-range-track{height:6px;border-radius:99px;background:var(--clay)}
input[type=range]::-moz-range-thumb{width:26px;height:26px;border:4px solid #fff;border-radius:50%;background:var(--copper)}
.calc-scale{display:flex;justify-content:space-between;font-size:.76rem;color:var(--text-mid);margin-top:2px}
.toggle{display:flex;gap:6px;margin-top:24px;background:var(--sand);padding:5px;border-radius:999px;border:1px solid var(--line)}
.toggle-btn{
  flex:1;min-height:46px;border:0;border-radius:999px;background:transparent;color:var(--text-mid);
  font-weight:700;font-size:.88rem;cursor:pointer;padding:8px 10px;transition:.2s;
}
.toggle-btn.is-on{background:var(--ink);color:var(--sand)}
.calc-result{
  padding:30px;background:var(--ink);color:var(--sand);
  display:flex;flex-direction:column;justify-content:center;
}
.calc-result-label{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--copper-light);margin:0 0 6px}
.calc-big{
  font-family:var(--serif);font-weight:600;font-size:clamp(3rem,8vw,4.6rem);line-height:1;
  letter-spacing:-.035em;margin:0 0 12px;color:#fff;font-variant-numeric:tabular-nums;
}
.calc-sub{font-size:.87rem;color:rgba(239,234,223,.78);margin:0}

/* ---------- tables ---------- */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:26px 0}
.ref-table{width:100%;border-collapse:collapse;min-width:460px;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.ref-table caption{text-align:left;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--text-mid);padding:0 2px 10px 2px}
.ref-table th,.ref-table td{padding:15px 16px;text-align:left;border-bottom:1px solid var(--line);font-size:.95rem}
.ref-table thead th{background:var(--ink);color:var(--sand);font-weight:700;font-size:.8rem;letter-spacing:.04em;border-bottom:0}
.ref-table tbody th{font-weight:700;color:var(--ink)}
.ref-table tbody tr:last-child th,.ref-table tbody tr:last-child td{border-bottom:0}

.footnote{font-size:.85rem;color:var(--text-mid);max-width:44em}
.footnote.on-ink,.source.on-ink{color:rgba(239,234,223,.66)}
.source{font-size:.78rem;color:var(--text-mid);letter-spacing:.02em}
.section-ink .footnote{color:rgba(239,234,223,.66)}

.pull{
  margin:36px 0;padding:4px 0 4px 24px;border-left:3px solid var(--copper);
}
.pull p{font-family:var(--serif);font-style:italic;font-size:clamp(1.25rem,2.8vw,1.8rem);line-height:1.32;margin:0;color:var(--ink)}
.pull.on-ink p,.section-ink .pull p{color:var(--sand)}

.inline-cta{
  margin:44px 0 0;padding:28px;border-radius:var(--r-lg);background:#fff;border:1px solid var(--line);
  display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:18px;
}
.inline-cta p{margin:0;font-family:var(--serif);font-size:1.15rem;line-height:1.35;max-width:26em;color:var(--ink)}
.inline-cta.on-ink{background:rgba(247,243,236,.06);border-color:var(--line-ink)}
.inline-cta.on-ink p{color:var(--sand)}

/* ---------- programs ---------- */
.prog-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px;margin-top:34px}
.prog-card{
  background:rgba(247,243,236,.055);border:1px solid var(--line-ink);border-radius:var(--r-lg);
  padding:30px 28px;
}
.prog-card h3{margin-bottom:.25em}
.prog-hook{font-family:var(--serif);font-style:italic;color:var(--copper-light);font-size:1.05rem;margin-bottom:1.2em}
.ticks{list-style:none;margin:0;padding:0;display:grid;gap:12px}
.ticks li{position:relative;padding-left:30px;font-size:.97rem;color:rgba(239,234,223,.9);line-height:1.5}
.ticks li::before{
  content:"";position:absolute;left:0;top:.42em;width:16px;height:9px;
  border-left:2.2px solid var(--copper-light);border-bottom:2.2px solid var(--copper-light);
  transform:rotate(-45deg);
}
.note-box{
  margin-top:26px;padding:22px 24px;border-radius:var(--r);background:rgba(194,112,61,.13);
  border:1px solid rgba(224,154,107,.35);color:#F2E8DC;font-size:1rem;
}

/* ---------- quiz ---------- */
.quiz{
  margin:34px 0 20px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);
  padding:30px;box-shadow:var(--shadow);
}
.quiz-head{margin-bottom:22px}
.quiz-step{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--text-mid);margin:0 0 10px}
.quiz-bar{height:5px;border-radius:99px;background:var(--clay);overflow:hidden}
.quiz-bar span{display:block;height:100%;width:20%;background:var(--copper);transition:width .35s cubic-bezier(.4,0,.2,1)}
.q{display:none;border:0;padding:0;margin:0;min-width:0}
.q.is-active{display:block}
.q legend{font-family:var(--serif);font-size:clamp(1.25rem,3vw,1.65rem);font-weight:600;line-height:1.2;color:var(--ink);padding:0;margin-bottom:18px}
.opts{display:grid;gap:10px}
.opts-row{grid-template-columns:1fr 1fr}
.opt{
  text-align:left;padding:15px 18px;border-radius:12px;border:1.5px solid var(--line);
  background:var(--bone);color:var(--text);font-weight:500;font-size:.98rem;cursor:pointer;
  min-height:52px;transition:.18s;
}
.opt:hover{border-color:var(--sage);background:#fff}
.opt.is-sel{border-color:var(--copper);background:rgba(184,134,42,.10);font-weight:700;box-shadow:inset 0 0 0 1px var(--copper)}
.opt-sm{text-align:center}
.sub-q{margin-bottom:20px}
.sub-q:last-child{margin-bottom:0}
.sub-label{font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;font-weight:700;color:var(--text-mid);margin:0 0 9px}
.quiz-nav{display:flex;gap:10px;margin-top:24px}
.quiz-nav .btn{flex:1}
.quiz-nav.is-hidden{display:none}

.quiz-result{border-top:1px solid var(--line);margin-top:8px;padding-top:26px}
.result-kicker{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;font-weight:700;color:var(--copper-deep);margin:0 0 10px}
.quiz-result h3{color:var(--ink)}
.result-list{list-style:none;padding:0;margin:0 0 22px;display:grid;gap:10px}
.result-list li{position:relative;padding-left:26px;font-size:.96rem;color:var(--text-mid)}
.result-list li::before{content:"";position:absolute;left:0;top:.6em;width:11px;height:2px;background:var(--copper)}
.link-btn{display:block;margin:16px auto 0;background:none;border:0;color:var(--text-mid);text-decoration:underline;font-size:.88rem;cursor:pointer}

/* ---------- accordion ---------- */
.accordion{display:grid;gap:10px;margin-top:20px}
.acc{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden}
.acc summary{
  list-style:none;cursor:pointer;padding:18px 52px 18px 20px;position:relative;
  font-family:var(--serif);font-size:1.04rem;font-weight:600;color:var(--ink);line-height:1.35;
}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{
  content:"";position:absolute;right:20px;top:calc(50% - 6px);width:11px;height:11px;
  border-right:2.2px solid var(--copper-deep);border-bottom:2.2px solid var(--copper-deep);
  transform:rotate(45deg);transition:transform .25s ease;
}
.acc[open] summary::after{transform:rotate(-135deg)}
.acc[open] summary{background:rgba(194,112,61,.06)}
.acc-body{padding:0 20px 18px}
.acc-body p{margin:0;color:var(--text-mid);font-size:.98rem}

.callout{
  margin-top:44px;padding:30px 28px;border-radius:var(--r-lg);
  background:var(--ink);color:#EFEADF;
}
.callout h3{color:var(--sand);margin-bottom:.6em}
.callout ul{list-style:none;padding:0;margin:0;display:grid;gap:16px}
.callout li{padding-left:20px;border-left:2px solid var(--copper);font-size:.98rem;color:rgba(239,234,223,.88);line-height:1.55}
.callout strong{color:var(--sand)}

/* ---------- lenders ---------- */
.feat-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-bottom:12px}
.feat-card{
  background:linear-gradient(165deg,rgba(223,187,101,.20),rgba(223,187,101,.06));
  border:1.5px solid rgba(223,187,101,.55);border-radius:var(--r-lg);padding:28px 26px 26px;
  box-shadow:var(--shadow-lg);display:flex;flex-direction:column;
}
.feat-label{
  display:inline-block;align-self:flex-start;font-size:.68rem;letter-spacing:.17em;text-transform:uppercase;
  font-weight:700;background:var(--copper-light);color:var(--ink-deep);padding:6px 12px;border-radius:999px;margin:0 0 16px;
}
.feat-label.alt{background:transparent;color:var(--copper-light);border:1.5px solid rgba(223,187,101,.7)}
.feat-card h4{margin:0 0 4px;font-size:clamp(1.4rem,2.6vw,1.8rem)}
.feat-title{margin:0;font-size:.9rem;letter-spacing:.06em;text-transform:uppercase;font-weight:700;color:var(--copper-light)}
.feat-co{margin:4px 0 22px;font-size:1.02rem;color:rgba(239,234,223,.9)}
.feat-actions{display:grid;gap:10px;margin-top:auto}
.feat-fine{margin:14px 0 0;font-size:.78rem;color:rgba(239,234,223,.62);letter-spacing:.04em}

.lender-list{list-style:none;margin:0;padding:0;display:grid;gap:8px;border-top:1px solid var(--line-ink)}
.lender-list a{
  display:grid;grid-template-columns:1fr auto auto;align-items:center;gap:14px;
  text-decoration:none;padding:17px 4px;border-bottom:1px solid var(--line-ink);transition:.18s;
}
.lender-list a:hover{background:rgba(247,243,236,.06);padding-left:12px;padding-right:12px}
.ld-name{font-weight:700;font-size:1rem;color:var(--sand)}
.ld-city{font-size:.84rem;color:rgba(239,234,223,.6);letter-spacing:.06em;text-transform:uppercase}
.ld-phone{font-weight:700;color:var(--copper-light);font-variant-numeric:tabular-nums;white-space:nowrap}

/* ---------- timeline ---------- */
.timeline{list-style:none;margin:34px 0 0;padding:0;display:grid;gap:2px;counter-reset:tl}
.timeline li{display:grid;grid-template-columns:64px 1fr;gap:20px;align-items:start;padding:24px 0;border-bottom:1px solid var(--line)}
.timeline li:first-child{border-top:1px solid var(--line)}
.tl-num{
  font-family:var(--serif);font-size:1.6rem;font-weight:600;color:var(--copper-deep);
  width:56px;height:56px;border-radius:50%;border:1.5px solid var(--clay);background:#fff;
  display:flex;align-items:center;justify-content:center;line-height:1;
}
.timeline h3{font-size:1.18rem;margin:.35em 0 .25em;color:var(--ink)}
.timeline p{margin:0;color:var(--text-mid);font-size:.97rem}
.big-line{
  font-family:var(--serif);font-size:clamp(1.5rem,3.6vw,2.3rem);line-height:1.25;color:var(--ink);
  margin:44px 0 0;max-width:26em;font-weight:600;
}
.img-band{margin:44px 0 0;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow)}
.img-band img{width:100%;height:clamp(200px,34vw,380px);object-fit:cover}

/* ---------- bios ---------- */
.bio-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;align-items:stretch}
.bio-card{
  background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 26px;
  display:flex;flex-direction:column;box-shadow:var(--shadow);
}
.bio-head{display:flex;align-items:center;gap:16px;margin-bottom:18px}
.mono-avatar{
  flex:none;width:62px;height:62px;border-radius:50%;background:var(--ink);color:var(--sand);
  display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-weight:600;
  font-size:1.3rem;letter-spacing:.02em;
}
.mono-avatar.alt{background:var(--copper-light);color:var(--ink-deep)}
.bio-card h4{margin:0 0 2px;font-size:1.35rem}
.bio-title{margin:0;font-size:.76rem;letter-spacing:.12em;text-transform:uppercase;font-weight:700;color:var(--copper-deep)}
.bio-card p{color:var(--text-mid);font-size:.98rem}
.bio-links{display:flex;flex-wrap:wrap;gap:8px;margin-top:auto;padding-top:18px}
.bio-links a{
  text-decoration:none;font-weight:700;font-size:.84rem;padding:10px 16px;border-radius:999px;
  border:1.5px solid var(--line);color:var(--ink);background:var(--bone);min-height:42px;
  display:inline-flex;align-items:center;
}
.bio-links a:hover{border-color:var(--copper);color:var(--copper-deep)}

/* ---------- closing ---------- */
.closing{background:var(--ink-deep);color:var(--sand);padding:90px 0 96px;text-align:center}
.closing .wrap{max-width:820px}
.closing h2{margin:0 auto .5em;max-width:22ch}
.closing-body{color:rgba(240,235,225,.84);max-width:40em;margin:0 auto 8px;font-size:1.05rem}
.closing-fine{margin-top:26px;font-size:.82rem;color:rgba(240,235,225,.55)}

/* ---------- footer ---------- */
.footer{background:#0A1226;color:rgba(240,242,248,.72);padding:52px 0 118px;font-size:.86rem}
.foot-top{display:flex;flex-wrap:wrap;align-items:center;gap:22px;justify-content:space-between;padding-bottom:26px;border-bottom:1px solid var(--line-ink)}
.footer .logo{color:var(--sand)}
.foot-contact{display:flex;flex-wrap:wrap;gap:8px 22px}
.foot-contact a{text-decoration:none;font-weight:700;color:var(--copper-light)}
.foot-contact a:hover{text-decoration:underline}
.disclaimer{margin:24px 0 0;font-size:.775rem;line-height:1.7;color:rgba(239,234,223,.56);max-width:70em}
.copyright{margin:14px 0 0;font-size:.75rem;color:rgba(239,234,223,.4)}

/* ---------- sticky bar ---------- */
.sticky-bar{
  position:fixed;left:0;right:0;bottom:0;z-index:55;display:flex;gap:10px;align-items:center;
  padding:10px 14px calc(10px + env(safe-area-inset-bottom));
  background:rgba(13,23,48,.95);backdrop-filter:blur(10px);border-top:1px solid var(--line-ink);
}
.sticky-bar .btn{flex:1;padding:14px 12px;font-size:.92rem}
.sticky-call{
  flex:none;width:50px;height:50px;border-radius:50%;border:1.5px solid rgba(247,243,236,.4);
  display:flex;align-items:center;justify-content:center;color:var(--sand);
}
.sticky-call svg{width:22px;height:22px}

/* ---------- reveal ---------- */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .7s cubic-bezier(.22,.7,.2,1),transform .7s cubic-bezier(.22,.7,.2,1)}
.reveal.is-in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  .reveal{opacity:1;transform:none;transition:none}
  html{scroll-behavior:auto}
  *{animation:none!important}
}

/* ---------- responsive ---------- */
@media (max-width:900px){
  .prog-grid,.feat-grid,.bio-grid{grid-template-columns:1fr}
  .calc{grid-template-columns:1fr}
}
@media (max-width:640px){
  body{font-size:16.5px}
  .wrap{padding:0 18px}
  .hero-inner{padding:56px 18px 68px}
  .section{padding:60px 0 66px}
  .brand-text em{display:none}
  .brand-text strong{font-size:.9rem}
  .topbar{padding:10px 16px}
  .topbar-cta{font-size:.78rem;padding:9px 13px}
  .cta-row .btn{width:100%}
  .calc-controls,.calc-result,.quiz,.inline-cta,.callout,.prog-card,.feat-card,.bio-card{padding-left:20px;padding-right:20px}
  .calc-controls{padding-top:24px;padding-bottom:24px}
  .calc-result{padding-top:26px;padding-bottom:28px}
  .quiz{padding-top:24px;padding-bottom:24px}
  .inline-cta{padding-top:22px;padding-bottom:22px;flex-direction:column;align-items:stretch}
  .inline-cta .btn{width:100%}
  .inline-cta p{font-size:1.05rem}
  .lender-list a{grid-template-columns:1fr auto;row-gap:2px;padding:15px 2px}
  .ld-city{grid-column:1;font-size:.78rem}
  .ld-phone{grid-row:1/3;grid-column:2;align-self:center}
  .timeline li{grid-template-columns:46px 1fr;gap:14px;padding:20px 0}
  .tl-num{width:44px;height:44px;font-size:1.25rem}
  .timeline h3{font-size:1.08rem;margin-top:.15em}
  .pull{padding-left:18px;margin:28px 0}
  .foot-top{gap:16px}
  .footer{padding-bottom:112px}
  .quiz-nav .btn{padding:14px 16px}
  .mono-avatar{width:54px;height:54px;font-size:1.15rem}
  .bio-links a{flex:1;justify-content:center}
}
@media (min-width:641px){
  .sticky-bar{display:none}
}

@media (min-width:641px){.footer{padding-bottom:52px}}

/* ---------- refinements ---------- */
.toggle-btn{white-space:nowrap}
.calc-hint p{margin:16px 0 0;font-size:.82rem;color:var(--text-mid)}

@media (max-width:640px){
  .toggle-btn{font-size:.8rem;padding:8px 6px}
  .table-wrap{overflow:visible}
  .ref-table{min-width:0;border:0;background:transparent;display:block}
  .ref-table thead{display:none}
  .ref-table caption{display:block}
  .ref-table tbody,.ref-table tbody tr{display:block}
  .ref-table tbody tr{background:#fff;border:1px solid var(--line);border-radius:var(--r);margin-bottom:10px;overflow:hidden}
  .ref-table tbody th{display:block;background:var(--ink);color:var(--sand);border-bottom:0;font-size:1rem}
  .ref-table tbody td{display:flex;justify-content:space-between;gap:14px;align-items:baseline;padding:13px 16px}
  .ref-table tbody td::before{content:attr(data-label);font-size:.78rem;letter-spacing:.06em;text-transform:uppercase;color:var(--text-mid);font-weight:700}
  .ref-table tbody tr td:last-child{border-bottom:0}
}
section[id]{scroll-margin-top:74px}
.disclaimer{color:rgba(239,234,223,.72)}
.copyright{color:rgba(239,234,223,.58)}
.closing-fine{color:rgba(240,235,225,.72)}
.foot-contact a{color:#E7A87A}
.ld-city{color:rgba(239,234,223,.7)}
.feat-fine{color:rgba(239,234,223,.75)}
.footnote.on-ink,.section-ink .footnote{color:rgba(239,234,223,.76)}
.hero-note{color:rgba(240,235,225,.76)}