/* ==========================================================================
   My 1st Choice Mortgage — site styles
   Edit the tokens in :root to re-theme the whole site.
   ========================================================================== */

:root {
  --navy: #2b2926;            /* logo charcoal (dark text, buttons, bands) */
  --navy-2: #45413c;
  --blue: #b45300;            /* deep orange for links, icons, labels (readable on white) */
  --blue-soft: #efeeec;       /* light grey accent backgrounds */
  --accent: #ed6e00;          /* logo orange */
  --accent-dark: #c95d00;
  --charcoal: #2b2926;        /* logo charcoal */
  --green: #1f9d6b;
  --bg: #ffffff;
  --bg-alt: #f6f5f3;
  --text: #232120;
  --muted: #66615b;
  --line: #e5e2de;
  --radius: 14px;
  --radius-lg: 22px;
  --shadow-sm: 0 1px 2px rgba(43, 41, 38, .06), 0 2px 8px rgba(43, 41, 38, .05);
  --shadow: 0 10px 30px rgba(43, 41, 38, .10);
  --max: 1160px;
  --font: "Plus Jakarta Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font);
  font-size: 17px;
  line-height: 1.65;
  color: var(--text);
  background: var(--bg);
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; display: block; }
a { color: var(--blue); text-decoration-thickness: 1px; text-underline-offset: 3px; }
a:hover { color: var(--navy); }
h1, h2, h3, h4 { color: var(--navy); line-height: 1.2; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-size: clamp(2.1rem, 4.6vw, 3.4rem); font-weight: 800; letter-spacing: -.02em; }
h2 { font-size: clamp(1.6rem, 3vw, 2.3rem); font-weight: 800; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 1em; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 2px; border-radius: 6px; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.section { padding: 88px 0; }
.section--alt { background: var(--bg-alt); }
.section--tight { padding: 56px 0; }
.eyebrow {
  display: inline-block; font-size: .8rem; font-weight: 700; letter-spacing: .12em;
  text-transform: uppercase; color: var(--blue); margin-bottom: .75rem;
}
.lead { font-size: 1.15rem; color: var(--muted); max-width: 640px; }
.section-head { max-width: 720px; margin-bottom: 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head.center .lead { margin-left: auto; margin-right: auto; }
.muted { color: var(--muted); }
.small { font-size: .9rem; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 8px; z-index: 100; }
.skip-link:focus { left: 8px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .5rem;
  font: inherit; font-weight: 700; font-size: 1rem; line-height: 1;
  padding: 16px 26px; border-radius: 999px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer; transition: transform .15s ease, background .15s ease, box-shadow .15s ease, color .15s ease;
  white-space: nowrap;
}
.btn:hover { transform: translateY(-1px); }
.btn svg { width: 18px; height: 18px; flex: none; }
.btn--primary { background: var(--accent); color: var(--navy); box-shadow: 0 6px 18px rgba(237, 110, 0, .28); }
.btn--primary:hover { background: var(--accent-dark); color: var(--navy); }
.btn--dark { background: var(--navy); color: #fff; }
.btn--dark:hover { background: var(--navy-2); color: #fff; }
.btn--ghost { background: transparent; color: var(--navy); border-color: var(--line); }
.btn--ghost:hover { border-color: var(--navy); color: var(--navy); }
.btn--light { background: #fff; color: var(--navy); }
.btn--sm { padding: 11px 18px; font-size: .92rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; }

/* Header */
.topbar { background: var(--navy); color: #e3e0dc; font-size: .88rem; }
.topbar .container { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding-top: 8px; padding-bottom: 8px; }
.topbar a { color: #fff; text-decoration: none; font-weight: 600; }
.topbar a:hover { text-decoration: underline; }
.topbar__links { display: flex; gap: 22px; }

.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .94); backdrop-filter: saturate(160%) blur(10px); border-bottom: 1px solid var(--line); }
.nav { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: 84px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-weight: 800; font-size: 1.12rem; letter-spacing: -.01em; }
.brand__mark { width: 40px; height: 40px; flex: none; }
.brand__logo { height: 62px; width: auto; }
@media (max-width: 560px) { .brand__logo { height: 50px; } }
.brand small { display: block; font-size: .7rem; font-weight: 600; color: var(--muted); letter-spacing: .08em; text-transform: uppercase; }
.nav__menu { display: flex; align-items: center; gap: 4px; list-style: none; margin: 0; padding: 0; }
.nav__menu a { display: block; white-space: nowrap; padding: 10px 11px; border-radius: 10px; color: var(--text); text-decoration: none; font-weight: 600; font-size: .95rem; }
.nav__menu a:hover { background: var(--bg-alt); color: var(--navy); }
.nav__menu a[aria-current="page"] { color: var(--blue); }
.nav__cta { display: flex; align-items: center; gap: 10px; }
.nav__toggle { display: none; background: none; border: 0; padding: 10px; cursor: pointer; color: var(--navy); }
.nav__toggle svg { width: 28px; height: 28px; }

@media (max-width: 1200px) {
  .nav__toggle { display: block; }
  .nav__cta .btn--ghost { display: none; }
  .nav__menu {
    display: none; position: absolute; left: 0; right: 0; top: 100%;
    flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); padding: 8px 16px 16px;
  }
  .nav__menu.is-open { display: flex; }
  .nav__menu a { padding: 14px 12px; font-size: 1.05rem; border-bottom: 1px solid var(--line); border-radius: 0; }
  .topbar__hours { display: none; }
}
@media (max-width: 560px) {
  .nav__cta .btn { display: none; }
  .topbar__links a.email { display: none; }
}

/* Hero */
.hero { position: relative; overflow: hidden; background: linear-gradient(180deg, #f6f5f3 0%, #fff 100%); padding: 80px 0 96px; }
.hero::before {
  content: ""; position: absolute; right: -240px; top: -240px; width: 640px; height: 640px; border-radius: 50%;
  background: radial-gradient(circle, rgba(237, 110, 0, .10), transparent 65%);
}
.hero__grid { position: relative; display: grid; grid-template-columns: 1.1fr .9fr; gap: 56px; align-items: center; }
.hero h1 span { color: var(--blue); }
.hero .lead { margin-bottom: 2rem; }
.hero__checks { display: flex; flex-wrap: wrap; gap: 10px 22px; list-style: none; padding: 0; margin: 28px 0 0; color: var(--muted); font-weight: 600; font-size: .95rem; }
.hero__checks li { display: flex; align-items: center; gap: 8px; }
.check { width: 20px; height: 20px; flex: none; color: var(--green); }

.quick-card { background: #fff; border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 32px; border: 1px solid var(--line); }
.quick-card h2 { font-size: 1.4rem; margin-bottom: .25rem; }
.quick-card p { color: var(--muted); font-size: .95rem; }
.choice-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 20px 0; }
.choice {
  display: flex; flex-direction: column; align-items: flex-start; gap: 10px; padding: 18px; border-radius: var(--radius);
  border: 2px solid var(--line); background: #fff; text-decoration: none; color: var(--navy); font-weight: 700; transition: border-color .15s, background .15s, transform .15s;
}
.choice:hover { border-color: var(--blue); background: var(--blue-soft); color: var(--navy); transform: translateY(-2px); }
.choice svg { width: 30px; height: 30px; color: var(--blue); }
.quick-card__foot { display: flex; align-items: center; gap: 10px; font-size: .88rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 16px; margin-top: 4px; }
.quick-card__foot svg { width: 18px; height: 18px; color: var(--green); flex: none; }

@media (max-width: 900px) {
  .hero { padding: 48px 0 64px; }
  .hero__grid { grid-template-columns: 1fr; gap: 36px; }
}

/* Page hero (inner pages) */
.page-hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); color: #e3e0dc; padding: 64px 0 60px; }
.page-hero h1 { color: #fff; font-size: clamp(2rem, 4vw, 2.8rem); }
.page-hero .lead { color: #cfcbc6; margin-bottom: 0; }
.page-hero .eyebrow { color: var(--accent); }
.crumbs { font-size: .85rem; margin-bottom: 14px; color: #b3ada6; }
.crumbs a { color: #e3e0dc; text-decoration: none; }

/* Trust strip */
.trust { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: #fff; }
.trust__grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust__item { padding: 26px 20px; display: flex; gap: 14px; align-items: center; }
.trust__item + .trust__item { border-left: 1px solid var(--line); }
.trust__icon { width: 46px; height: 46px; border-radius: 12px; background: var(--blue-soft); color: var(--blue); display: grid; place-items: center; flex: none; }
.trust__icon svg { width: 24px; height: 24px; }
.trust__item strong { display: block; color: var(--navy); font-size: 1rem; }
.trust__item span { font-size: .88rem; color: var(--muted); }
@media (max-width: 900px) {
  .trust__grid { grid-template-columns: 1fr 1fr; }
  .trust__item:nth-child(3) { border-left: 0; }
  .trust__item:nth-child(n+3) { border-top: 1px solid var(--line); }
}
@media (max-width: 520px) {
  .trust__grid { grid-template-columns: 1fr; }
  .trust__item + .trust__item { border-left: 0; border-top: 1px solid var(--line); }
}

/* Cards & grids */
.grid { display: grid; gap: 24px; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 980px) { .grid-3, .grid-4 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; } }

.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px; box-shadow: var(--shadow-sm); transition: transform .2s, box-shadow .2s; }
.card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.card--flat:hover { transform: none; box-shadow: var(--shadow-sm); }
.card__icon { width: 52px; height: 52px; border-radius: 14px; background: var(--blue-soft); color: var(--blue); display: grid; place-items: center; margin-bottom: 18px; }
.card__icon svg { width: 26px; height: 26px; }
.card p { color: var(--muted); margin-bottom: 0; }
.card .link-arrow { margin-top: 16px; }
.link-arrow { display: inline-flex; align-items: center; gap: 6px; font-weight: 700; text-decoration: none; }
.link-arrow::after { content: "→"; transition: transform .15s; }
.link-arrow:hover::after { transform: translateX(3px); }

/* Steps */
.steps { counter-reset: step; display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.step { position: relative; padding: 32px 28px 28px; background: #fff; border-radius: var(--radius-lg); border: 1px solid var(--line); }
.step__num { width: 44px; height: 44px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800; display: grid; place-items: center; margin-bottom: 18px; }
.step p { color: var(--muted); margin: 0; }
@media (max-width: 860px) { .steps { grid-template-columns: 1fr; } }

/* Timeline (process page) */
.timeline { list-style: none; margin: 0; padding: 0; position: relative; max-width: 820px; }
.timeline::before { content: ""; position: absolute; left: 23px; top: 8px; bottom: 8px; width: 2px; background: var(--line); }
.timeline li { position: relative; padding: 0 0 40px 76px; }
.timeline li:last-child { padding-bottom: 0; }
.timeline__dot { position: absolute; left: 0; top: 0; width: 48px; height: 48px; border-radius: 50%; background: #fff; border: 2px solid var(--blue); color: var(--blue); font-weight: 800; display: grid; place-items: center; }
.timeline h3 { margin-top: 10px; }
.timeline p { color: var(--muted); }
.timeline .tip { background: var(--blue-soft); border-radius: 12px; padding: 14px 18px; font-size: .95rem; color: var(--navy); margin-top: 10px; }

/* Split / feature */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
@media (max-width: 900px) { .split { grid-template-columns: 1fr; gap: 32px; } }
.checklist { list-style: none; padding: 0; margin: 0 0 1.5rem; }
.checklist li { display: flex; gap: 12px; padding: 8px 0; }
.checklist li .check { margin-top: 4px; }

.panel { background: linear-gradient(135deg, var(--navy) 0%, #4a4540 100%); color: #e3e0dc; border-radius: var(--radius-lg); padding: 40px; position: relative; overflow: hidden; }
.panel h3 { color: #fff; }
.panel::after { content: ""; position: absolute; width: 260px; height: 260px; border-radius: 50%; right: -80px; bottom: -120px; background: rgba(237, 110, 0, .25); }
.panel__big { font-size: 2.8rem; font-weight: 800; color: #fff; line-height: 1; margin: 8px 0 4px; }

/* Chips (refinance programs) */
.chips { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.chips li { display: flex; align-items: center; gap: 10px; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 14px 16px; font-weight: 700; color: var(--navy); }
@media (max-width: 420px) { .chips { grid-template-columns: 1fr; } }

/* Locations */
.location { display: flex; flex-direction: column; gap: 6px; }
.location h3 { display: flex; align-items: center; gap: 10px; }
.location h3 svg { width: 22px; height: 22px; color: var(--blue); }
.location address { font-style: normal; color: var(--muted); }

/* CTA band */
.cta-band { background: var(--navy); color: #d6d2cd; border-radius: var(--radius-lg); padding: 56px; display: flex; align-items: center; justify-content: space-between; gap: 32px; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; left: -100px; top: -140px; width: 360px; height: 360px; border-radius: 50%; background: rgba(237, 110, 0, .22); }
.cta-band > * { position: relative; }
.cta-band h2 { color: #fff; margin-bottom: .3em; }
.cta-band p { margin: 0; }
@media (max-width: 820px) { .cta-band { flex-direction: column; align-items: flex-start; padding: 40px 28px; } }

/* FAQ */
.faq { max-width: 820px; margin: 0 auto; }
.faq details { border: 1px solid var(--line); border-radius: var(--radius); background: #fff; margin-bottom: 12px; }
.faq summary { cursor: pointer; list-style: none; padding: 20px 56px 20px 24px; font-weight: 700; color: var(--navy); position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 24px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; color: var(--blue); font-weight: 500; }
.faq details[open] summary::after { content: "–"; }
.faq details p { padding: 0 24px 20px; margin: 0; color: var(--muted); }

/* Profile (owner feature) */
.profile { display: grid; grid-template-columns: 380px 1fr; gap: 56px; align-items: center; }
.profile__photo { width: 100%; height: auto; aspect-ratio: 1; object-fit: cover; border-radius: var(--radius-lg); box-shadow: var(--shadow); background: var(--bg-alt); }
.profile--compact { grid-template-columns: 300px 1fr; max-width: 980px; margin: 0 auto; }
.profile--compact .profile__photo { border-radius: 50%; border: 8px solid #fff; }
@media (max-width: 860px) {
  .profile, .profile--compact { grid-template-columns: 1fr; gap: 28px; }
  .profile__photo { max-width: 320px; }
  .profile--compact .profile__photo { max-width: 220px; }
}

/* Designation badges */
.badges { list-style: none; padding: 0; margin: 4px 0 20px; display: flex; flex-wrap: wrap; gap: 8px; }
.badges li { font-size: .82rem; font-weight: 700; letter-spacing: .04em; color: var(--navy); background: var(--blue-soft); border-radius: 999px; padding: 6px 12px; }
.badges abbr { text-decoration: none; cursor: help; }
.badges .badges__honor { background: #fff1e5; color: #8a3f00; letter-spacing: 0; }

/* Team */
.team-card { text-align: center; }
.avatar { width: 128px; height: 128px; border-radius: 50%; margin: 0 auto 18px; background: linear-gradient(135deg, var(--blue-soft), #e2dfdb); display: grid; place-items: center; color: var(--blue); font-size: 2.4rem; font-weight: 800; overflow: hidden; }
.avatar { position: relative; }
.avatar img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.avatar svg { width: 56px; height: 56px; }
.team-card .role { color: var(--blue); font-weight: 700; font-size: .92rem; margin-bottom: 4px; }
.team-card .nmls { font-size: .82rem; color: var(--muted); margin-bottom: 14px; }
.team-card .btn-row { justify-content: center; }

/* Forms */
.honeypot { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.form-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow); padding: 40px; }
@media (max-width: 600px) { .form-card { padding: 26px 20px; } }
.field { margin-bottom: 20px; }
.field label, .field .label { display: block; font-weight: 700; color: var(--navy); margin-bottom: 8px; font-size: .95rem; }
.field .hint { font-weight: 500; color: var(--muted); font-size: .85rem; }
.input, select.input, textarea.input {
  width: 100%; font: inherit; font-size: 1rem; color: var(--text); background: #fff;
  border: 1.5px solid #d3cfca; border-radius: 12px; padding: 14px 16px; transition: border-color .15s, box-shadow .15s;
}
textarea.input { min-height: 130px; resize: vertical; }
.input:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px rgba(237, 110, 0, .2); }
.input.is-invalid { border-color: #d14343; }
.error-msg { color: #b42318; font-size: .85rem; margin-top: 6px; display: none; }
.field.has-error .error-msg { display: block; }
.field.has-error .input { border-color: #d14343; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .field-row { grid-template-columns: 1fr; } }
.input-prefix { position: relative; }
.input-prefix span { position: absolute; left: 16px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; pointer-events: none; }
.input-prefix .input { padding-left: 32px; }
.input-suffix { position: relative; }
.input-suffix span { position: absolute; right: 16px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; pointer-events: none; }

.options { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.options--3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 560px) { .options, .options--3 { grid-template-columns: 1fr; } }
.option { position: relative; }
.option input { position: absolute; opacity: 0; inset: 0; pointer-events: none; }
.option label {
  display: flex; align-items: center; gap: 12px; padding: 16px 18px; border: 2px solid var(--line); border-radius: 12px;
  cursor: pointer; font-weight: 600; color: var(--text); margin: 0; transition: border-color .15s, background .15s;
}
.option label svg { width: 24px; height: 24px; color: var(--blue); flex: none; }
.option input:checked + label { border-color: var(--blue); background: var(--blue-soft); color: var(--navy); }
.option input:focus-visible + label { outline: 3px solid var(--accent); outline-offset: 2px; }
.option label:hover { border-color: #f0b37f; }

.field .consent, .consent { display: flex; gap: 12px; align-items: flex-start; font-size: .88rem; font-weight: 500; color: var(--muted); }
.consent input { margin-top: 4px; width: 18px; height: 18px; flex: none; accent-color: var(--blue); }

/* Multi-step pre-qual */
.progress { margin-bottom: 32px; scroll-margin-top: 110px; }
.progress__meta { display: flex; justify-content: space-between; font-size: .88rem; font-weight: 700; color: var(--muted); margin-bottom: 10px; }
.progress__meta strong { color: var(--navy); }
.progress__bar { height: 8px; background: var(--bg-alt); border-radius: 999px; overflow: hidden; }
.progress__fill { height: 100%; width: 25%; background: var(--accent); border-radius: 999px; transition: width .35s ease; }
.step-panel { display: none; }
.step-panel.is-active { display: block; animation: fadeIn .3s ease; }
.step-panel h2:focus { outline: none; }
.step-panel h2 { font-size: 1.55rem; margin-bottom: .25em; }
.step-panel > p { color: var(--muted); margin-bottom: 28px; }
.form-nav { display: flex; justify-content: space-between; gap: 12px; margin-top: 32px; padding-top: 24px; border-top: 1px solid var(--line); }
.form-nav .btn--ghost[hidden] { display: none; }
.form-success { display: none; text-align: center; padding: 20px 0; }
.form-success.is-visible { display: block; animation: fadeIn .3s ease; }
.form-success__icon { width: 76px; height: 76px; border-radius: 50%; background: #e3f6ee; color: var(--green); display: grid; place-items: center; margin: 0 auto 20px; }
.form-success__icon svg { width: 38px; height: 38px; }
@keyframes fadeIn { from { opacity: 0; transform: translateY(6px); } to { opacity: 1; transform: none; } }

.side-assure { position: sticky; top: 100px; }
.assure-list { list-style: none; padding: 0; margin: 0; }
.assure-list li { display: flex; gap: 14px; padding: 16px 0; border-bottom: 1px solid var(--line); }
.assure-list li:last-child { border-bottom: 0; }
.assure-list svg { width: 24px; height: 24px; color: var(--blue); flex: none; margin-top: 2px; }
.assure-list strong { display: block; color: var(--navy); }
.assure-list span { color: var(--muted); font-size: .92rem; }

.layout-form { display: grid; grid-template-columns: 1.5fr 1fr; gap: 40px; align-items: start; }
@media (max-width: 920px) { .layout-form { grid-template-columns: 1fr; } .side-assure { position: static; } }

/* Calculator */
.calc { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: start; }
@media (max-width: 900px) { .calc { grid-template-columns: 1fr; } }
.range { width: 100%; accent-color: var(--blue); margin-top: 10px; }
.calc-result { position: sticky; top: 100px; }
.calc-result .panel__big { font-size: 3.2rem; }
.calc-result .panel::after { display: none; }
.breakdown { list-style: none; padding: 0; margin: 24px 0 0; position: relative; z-index: 1; }
.breakdown li { display: flex; justify-content: space-between; align-items: center; padding: 11px 0; border-bottom: 1px solid rgba(255, 255, 255, .14); }
.breakdown li:last-child { border-bottom: 0; }
.breakdown .swatch { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 10px; }
.breakdown strong { color: #fff; }
.stack { display: flex; height: 14px; border-radius: 999px; overflow: hidden; margin-top: 22px; background: rgba(255, 255, 255, .15); position: relative; z-index: 1; }
.stack span { display: block; height: 100%; transition: width .3s ease; }
.calc-note { font-size: .82rem; color: var(--muted); margin-top: 16px; }

/* Prose (privacy) */
.prose { max-width: 780px; }
.prose h2 { font-size: 1.4rem; margin-top: 2.2em; }
.prose p, .prose li { color: #45413c; }

/* Notice for placeholders (remove before launch) */
.todo-note { background: #fff8e8; border: 1px dashed var(--accent); color: #7a5208; border-radius: 10px; padding: 10px 14px; font-size: .85rem; margin-top: 12px; }

/* Footer */
.site-footer { background: #1c1a18; color: #b3ada6; padding: 72px 0 0; font-size: .95rem; margin-top: 0; }
.site-footer a { color: #e3e0dc; text-decoration: none; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.footer__grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
@media (max-width: 900px) { .footer__grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .footer__grid { grid-template-columns: 1fr; } }
.site-footer h4 { color: #fff; font-size: .85rem; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 16px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { padding: 5px 0; }
.footer__logo { display: inline-block; background: #fff; border-radius: 14px; padding: 14px 18px; margin-bottom: 18px; }
.footer__logo img { width: 210px; height: auto; }
.footer__legal { border-top: 1px solid rgba(255, 255, 255, .1); margin-top: 56px; padding: 28px 0 36px; font-size: .82rem; color: #948d85; display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; align-items: center; }
.footer__legal p { margin: 0; max-width: 760px; }
.ehl { display: inline-flex; align-items: center; gap: 10px; color: #d6d2cd; font-weight: 600; }
.ehl svg { width: 34px; height: 34px; }

/* Mobile sticky action bar */
.mobile-bar { display: none; }
@media (max-width: 720px) {
  .mobile-bar {
    display: grid; grid-template-columns: 1fr 1.4fr; gap: 10px; position: fixed; bottom: 0; left: 0; right: 0; z-index: 60;
    padding: 10px 14px calc(10px + env(safe-area-inset-bottom)); background: #fff; border-top: 1px solid var(--line); box-shadow: 0 -6px 20px rgba(43, 41, 38, .08);
  }
  .mobile-bar .btn { padding: 14px 12px; }
  body { padding-bottom: 78px; }
  body.no-mobile-bar { padding-bottom: 0; }
  body.no-mobile-bar .mobile-bar { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}