/* Landstar Realty Group — California Home Financing (type: Newsreader + Hanken Grotesk)
   Direction: coastal editorial. Pacific navy, terracotta clay, warm sand paper, Fraunces + Outfit. */
:root {
  --navy: #10405b;
  --navy-deep: #082a3d;
  --navy-ink: #0b3045;
  --sky: #afd2e8;
  --sky-soft: #e4f0f6;
  --clay: #a24d4c;
  --clay-deep: #853a3a;
  --sun: #e9b872;
  --paper: #f7f3ea;
  --paper-2: #efe9db;
  --card: #fffdf8;
  --ink: #173d52;
  --muted: #5b7380;
  --line: #d9d6c9;
  --ok: #2f7d5b;
  --err: #b3362f;
  --radius: 22px;
  --shadow: 0 30px 80px -30px rgba(8, 42, 61, .35);
  --serif: "Newsreader", Georgia, "Times New Roman", serif;
  --sans: "Hanken Grotesk", "Segoe UI", system-ui, sans-serif;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0; color: var(--ink); background: var(--paper); font-family: var(--sans);
  line-height: 1.6; -webkit-font-smoothing: antialiased; overflow-x: hidden;
}
body::before { /* paper grain */
  content: ""; position: fixed; inset: 0; z-index: 100; pointer-events: none; opacity: .045;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='160' height='160'><filter id='n'><feTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='2' stitchTiles='stitch'/></filter><rect width='100%' height='100%' filter='url(%23n)'/></svg>");
}
img { max-width: 100%; display: block; }
a { color: inherit; }
button, input, select, textarea { font: inherit; color: inherit; }
h1, h2, h3 { font-family: var(--serif); font-weight: 500; letter-spacing: -.015em; line-height: 1.08; margin: 0; font-feature-settings: "lnum" 1; }
p { margin: 0 0 1em; }
.wrap { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: 12px; top: -60px; z-index: 200; padding: 10px 16px; background: var(--navy); color: #fff; border-radius: 10px; }
.skip:focus { top: 12px; }
:focus-visible { outline: 3px solid var(--sun); outline-offset: 3px; border-radius: 6px; }
.todo { background: #fff2b8; color: #5a4300; padding: 0 3px; border-radius: 3px; }

/* header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(247, 243, 234, .86); backdrop-filter: blur(14px); border-bottom: 1px solid transparent; transition: border-color .3s, box-shadow .3s; }
.site-header.scrolled { border-color: var(--line); box-shadow: 0 8px 30px -20px rgba(8, 42, 61, .4); }
.topbar { height: 78px; display: flex; align-items: center; justify-content: space-between; gap: 20px; }
.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.brand img { width: 34px; height: 54px; object-fit: contain; }
.brand-name { display: grid; line-height: 1.1; color: var(--navy); }
.brand-name strong { font-family: var(--serif); font-size: 18px; font-weight: 600; }
.brand-name small { margin-top: 3px; color: var(--muted); font-size: 10px; letter-spacing: .14em; text-transform: uppercase; }
.nav { display: flex; gap: 28px; font-size: 14px; color: #35576a; }
.nav a { text-decoration: none; position: relative; padding: 4px 0; }
.nav a::after { content: ""; position: absolute; left: 0; bottom: 0; width: 100%; height: 2px; background: var(--clay); transform: scaleX(0); transform-origin: left; transition: transform .3s; }
.nav a:hover::after { transform: scaleX(1); }
.head-cta { display: flex; align-items: center; gap: 14px; }
.call { font-size: 14px; font-weight: 600; color: var(--navy); text-decoration: none; white-space: nowrap; }
.menu-btn { display: none; background: none; border: 1px solid var(--line); border-radius: 12px; width: 44px; height: 44px; cursor: pointer; }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 12px 26px; border: 0; border-radius: 99px; background: var(--clay); color: #fff; font-weight: 600; text-decoration: none; cursor: pointer; box-shadow: 0 12px 28px -12px rgba(162, 77, 76, .8); transition: transform .25s, background .25s, box-shadow .25s; }
.btn:hover { transform: translateY(-2px); background: var(--clay-deep); }
.btn:disabled { opacity: .55; cursor: not-allowed; transform: none; }
.btn.ghost { background: transparent; color: var(--navy); box-shadow: inset 0 0 0 1.5px var(--navy); }
.btn.ghost:hover { background: var(--navy); color: #fff; }
.btn.small { min-height: 42px; padding: 9px 20px; font-size: 14px; }
.link-btn { background: none; border: 0; padding: 6px 0; color: var(--muted); text-decoration: underline; text-underline-offset: 4px; cursor: pointer; }

/* hero */
.hero { position: relative; isolation: isolate; color: #fff; overflow: hidden; background: var(--navy-deep); }
.hero::before { content: ""; position: absolute; inset: 0; z-index: -2; background: var(--hero-img, url("../../california-home.jpg")) center 55% / cover; transform: scale(1.05); animation: drift 24s ease-in-out infinite alternate; }
.hero::after { content: ""; position: absolute; inset: 0; z-index: -1; background:
  radial-gradient(900px 500px at 85% 10%, rgba(233, 184, 114, .22), transparent 60%),
  linear-gradient(100deg, rgba(8, 42, 61, .97) 8%, rgba(11, 48, 69, .88) 48%, rgba(16, 64, 91, .35)); }
@keyframes drift { to { transform: scale(1.12) translate(-1.5%, -1%); } }
.hero-grid { display: grid; grid-template-columns: 1.02fr .98fr; gap: 56px; align-items: center; padding-block: 72px 96px; min-height: 700px; }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; color: var(--sky); font-size: 12px; font-weight: 600; letter-spacing: .18em; text-transform: uppercase; }
.eyebrow::before { content: ""; width: 34px; height: 1px; background: currentColor; }
.hero h1 { margin: 22px 0 22px; font-size: clamp(42px, 5.3vw, 72px); letter-spacing: -.035em; }
.hero h1 em { font-style: italic; font-weight: 400; color: var(--sun); }
.hero-sub { max-width: 520px; color: #d3e4eb; font-size: 18px; }
.hero-bullets { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 12px; color: #e7f2f6; }
.hero-bullets li { display: flex; gap: 12px; align-items: flex-start; }
.hero-bullets svg { flex: none; margin-top: 4px; color: var(--sun); }
.hero-fine { margin-top: 26px; max-width: 520px; font-size: 12px; color: #a9c4d0; line-height: 1.5; }
.rise { opacity: 0; transform: translateY(22px); animation: rise .9s cubic-bezier(.2, .7, .2, 1) forwards; }
.rise.d1 { animation-delay: .1s; } .rise.d2 { animation-delay: .25s; } .rise.d3 { animation-delay: .4s; } .rise.d4 { animation-delay: .55s; }
@keyframes rise { to { opacity: 1; transform: none; } }

/* quiz card */
.quiz { position: relative; background: var(--card); color: var(--ink); border-radius: 28px; padding: 30px; box-shadow: var(--shadow); border: 1px solid rgba(255, 255, 255, .6); }
.quiz::before { content: ""; position: absolute; inset: -1px; border-radius: 28px; padding: 1.5px; background: linear-gradient(140deg, var(--sun), transparent 40%, var(--sky)); -webkit-mask: linear-gradient(#000 0 0) content-box, linear-gradient(#000 0 0); -webkit-mask-composite: xor; mask-composite: exclude; pointer-events: none; opacity: .8; }
.quiz-top { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-bottom: 16px; }
.kicker { font-size: 11px; font-weight: 700; letter-spacing: .17em; text-transform: uppercase; color: var(--clay); }
.step-count { font-size: 12px; color: var(--muted); font-variant-numeric: tabular-nums; }
.progress { height: 6px; background: var(--paper-2); border-radius: 9px; overflow: hidden; margin-bottom: 22px; }
.progress i { display: block; height: 100%; width: 0; border-radius: 9px; background: linear-gradient(90deg, var(--navy), var(--clay)); transition: width .5s cubic-bezier(.2, .7, .2, 1); }
.quiz h2, .quiz h3.q { font-size: 28px; margin-bottom: 8px; letter-spacing: -.025em; }
.q-help { color: var(--muted); font-size: 14px; margin-bottom: 20px; }
.step { display: none; }
.step.active { display: block; animation: stepIn .45s cubic-bezier(.2, .7, .2, 1); }
@keyframes stepIn { from { opacity: 0; transform: translateX(18px); } to { opacity: 1; transform: none; } }
.options { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.options.one { grid-template-columns: 1fr; }
.opt { position: relative; }
.opt input { position: absolute; opacity: 0; inset: 0; cursor: pointer; }
.opt span { display: flex; align-items: center; gap: 12px; min-height: 58px; padding: 12px 16px; border: 1.5px solid var(--line); border-radius: 16px; background: #fff; font-weight: 500; line-height: 1.25; transition: .22s; cursor: pointer; }
.opt span b { font-weight: 600; display: block; }
.opt span small { display: block; color: var(--muted); font-size: 12px; font-weight: 400; }
.opt .ico { flex: none; width: 36px; height: 36px; border-radius: 11px; display: grid; place-items: center; background: var(--sky-soft); color: var(--navy); }
.opt:hover span { border-color: var(--navy); transform: translateY(-2px); box-shadow: 0 12px 24px -16px rgba(8, 42, 61, .6); }
.opt input:checked + span { border-color: var(--navy); background: var(--sky-soft); box-shadow: inset 0 0 0 1.5px var(--navy); }
.opt input:focus-visible + span { outline: 3px solid var(--sun); outline-offset: 2px; }
.quiz-nav { display: flex; align-items: center; justify-content: space-between; margin-top: 20px; gap: 10px; }
.field { margin-bottom: 14px; }
.field label, .field .lbl { display: block; font-size: 13px; font-weight: 600; margin-bottom: 6px; color: #284d60; }
.field input, .field select, .field textarea { width: 100%; min-height: 50px; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 14px; background: #fff; transition: border-color .2s, box-shadow .2s; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--navy); box-shadow: 0 0 0 4px rgba(16, 64, 91, .12); }
.field input[aria-invalid="true"] { border-color: var(--err); }
.field .err { color: var(--err); font-size: 12px; min-height: 0; margin-top: 4px; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.consent { display: flex; gap: 10px; align-items: flex-start; font-size: 11.5px; line-height: 1.5; color: #4b6573; margin: 6px 0 14px; }
.consent input { flex: none; width: 20px; height: 20px; margin-top: 2px; accent-color: var(--navy); }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.secure { display: flex; gap: 8px; align-items: center; justify-content: center; margin-top: 12px; font-size: 12px; color: var(--muted); }
.form-msg { padding: 12px 14px; border-radius: 12px; font-size: 14px; margin-top: 12px; }
.form-msg.bad { background: #fbe9e7; color: #7c2420; }
.form-msg.good { background: #e3f3ea; color: #1d5b40; }
.snapshot { display: none; margin-top: 18px; padding: 14px 16px; border-radius: 16px; background: var(--paper); font-size: 13px; color: var(--muted); }
.snapshot.show { display: block; }
.snapshot b { color: var(--navy); }

/* sections */
section { position: relative; }
.pad { padding-block: 104px; }
.sec-head { max-width: 720px; margin-bottom: 52px; }
.sec-head .eyebrow { color: var(--clay); }
.sec-head h2 { font-size: clamp(34px, 4.4vw, 56px); margin: 16px 0 16px; }
.sec-head p { color: var(--muted); font-size: 18px; }
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .8s cubic-bezier(.2, .7, .2, 1), transform .8s cubic-bezier(.2, .7, .2, 1); }
.reveal.in { opacity: 1; transform: none; }

/* strip */
.strip { background: var(--navy-deep); color: #cfe2ea; }
.strip .wrap { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; padding-block: 26px; font-size: 14px; }
.strip div { display: flex; gap: 12px; align-items: center; }
.strip svg { color: var(--sun); flex: none; }

/* programs */
.programs { display: grid; grid-template-columns: repeat(12, 1fr); gap: 18px; }
.prog { grid-column: span 4; position: relative; overflow: hidden; padding: 28px; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); transition: transform .35s, box-shadow .35s, border-color .35s; }
.prog::after { content: ""; position: absolute; right: -40px; top: -40px; width: 140px; height: 140px; border-radius: 50%; background: radial-gradient(circle, var(--sky-soft), transparent 70%); transition: transform .5s; }
.prog:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: var(--navy); }
.prog:hover::after { transform: scale(1.8); }
.prog .tag { font-size: 11px; font-weight: 700; letter-spacing: .15em; text-transform: uppercase; color: var(--clay); }
.prog h3 { font-size: 28px; margin: 10px 0 10px; position: relative; }
.prog p { color: var(--muted); font-size: 15px; position: relative; }
.prog ul { margin: 0 0 18px; padding-left: 18px; color: var(--ink); font-size: 14px; position: relative; }
.prog a { position: relative; font-weight: 600; color: var(--navy); text-decoration: none; display: inline-flex; gap: 8px; align-items: center; cursor: pointer; }
.prog a:hover { gap: 14px; }

/* calculator */
.calc-band { background: linear-gradient(180deg, var(--paper-2), var(--paper)); }
.calc { display: grid; grid-template-columns: 1.05fr .95fr; gap: 28px; align-items: stretch; }
.calc-in, .calc-out { background: var(--card); border: 1px solid var(--line); border-radius: 28px; padding: 34px; }
.calc-out { background: var(--navy-deep); color: #fff; border: 0; position: relative; overflow: hidden; }
.calc-out::before { content: ""; position: absolute; width: 380px; height: 380px; right: -120px; top: -120px; background: radial-gradient(circle, rgba(233, 184, 114, .35), transparent 65%); }
.slider { margin-bottom: 26px; }
.slider-top { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 8px; font-size: 14px; font-weight: 600; color: #284d60; }
.slider-top output { font-family: var(--serif); font-size: 24px; color: var(--navy); font-variant-numeric: tabular-nums; }
input[type=range] { -webkit-appearance: none; appearance: none; width: 100%; height: 6px; border-radius: 9px; background: linear-gradient(90deg, var(--navy) var(--fill, 50%), var(--paper-2) var(--fill, 50%)); outline-offset: 6px; }
input[type=range]::-webkit-slider-thumb { -webkit-appearance: none; width: 26px; height: 26px; border-radius: 50%; background: var(--clay); border: 4px solid #fff; box-shadow: 0 4px 14px rgba(8, 42, 61, .4); cursor: grab; }
input[type=range]::-moz-range-thumb { width: 20px; height: 20px; border-radius: 50%; background: var(--clay); border: 4px solid #fff; box-shadow: 0 4px 14px rgba(8, 42, 61, .4); cursor: grab; }
.terms { display: flex; gap: 8px; }
.terms button { flex: 1; min-height: 44px; border: 1.5px solid var(--line); background: #fff; border-radius: 12px; cursor: pointer; font-weight: 600; transition: .2s; }
.terms button[aria-pressed="true"] { background: var(--navy); border-color: var(--navy); color: #fff; }
.pay-label { position: relative; font-size: 13px; letter-spacing: .14em; text-transform: uppercase; color: var(--sky); }
.pay-num { position: relative; font-family: var(--serif); font-size: clamp(54px, 7vw, 84px); line-height: 1; margin: 6px 0 4px; font-variant-numeric: tabular-nums; }
.pay-sub { position: relative; color: #a9c4d0; font-size: 14px; }
.donut-row { position: relative; display: flex; align-items: center; gap: 26px; margin: 28px 0; flex-wrap: wrap; }
.donut { width: 150px; height: 150px; flex: none; }
.donut circle { transition: stroke-dasharray .6s cubic-bezier(.2, .7, .2, 1), stroke-dashoffset .6s; }
.legend { display: grid; gap: 10px; font-size: 14px; flex: 1; min-width: 180px; }
.legend div { display: flex; justify-content: space-between; gap: 14px; }
.legend i { display: inline-block; width: 10px; height: 10px; border-radius: 3px; margin-right: 8px; }
.legend b { font-variant-numeric: tabular-nums; }
.calc-note { position: relative; font-size: 12px; color: #9fbac6; line-height: 1.5; margin-top: 18px; }

/* process */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; counter-reset: s; }
.stepcard { padding: 28px 24px; border-top: 2px solid var(--navy); background: linear-gradient(180deg, var(--card), transparent); counter-increment: s; }
.stepcard::before { content: "0" counter(s); font-family: var(--serif); font-size: 46px; color: var(--clay); display: block; line-height: 1; margin-bottom: 14px; }
.stepcard h3 { font-size: 22px; margin-bottom: 8px; }
.stepcard p { color: var(--muted); font-size: 15px; margin: 0; }

/* faq */
.faq-band { background: var(--paper-2); }
.faq { max-width: 860px; }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 22px 0; display: flex; justify-content: space-between; gap: 20px; font-family: var(--serif); font-size: 22px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; font-family: var(--sans); font-size: 28px; line-height: 1; color: var(--clay); transition: transform .3s; }
.faq details[open] summary::after { transform: rotate(45deg); }
.faq details p { color: var(--muted); padding: 0 40px 22px 0; margin: 0; }

/* cta */
.cta-band { background: var(--navy-deep); color: #fff; text-align: center; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; inset: 0; background: radial-gradient(700px 360px at 50% 120%, rgba(233, 184, 114, .35), transparent 70%); }
.cta-band .wrap { position: relative; padding-block: 96px; }
.cta-band h2 { font-size: clamp(36px, 5vw, 64px); max-width: 800px; margin: 0 auto 18px; }
.cta-band p { color: #c3d9e2; max-width: 560px; margin: 0 auto 28px; font-size: 18px; }

/* footer */
.site-footer { background: #061f2d; color: #a9c1cc; font-size: 13px; }
.foot-grid { display: grid; grid-template-columns: 1.3fr 1fr 1fr 1fr; gap: 36px; padding-block: 64px 36px; }
.site-footer h4 { margin: 0 0 14px; color: #fff; font-size: 12px; letter-spacing: .15em; text-transform: uppercase; }
.site-footer a { text-decoration: none; display: block; padding: 4px 0; }
.site-footer a:hover { color: #fff; text-decoration: underline; }
.foot-brand strong { display: block; color: #fff; font-family: var(--serif); font-size: 22px; font-weight: 500; margin-bottom: 8px; }
.legal { border-top: 1px solid rgba(255, 255, 255, .1); padding-block: 28px 100px; line-height: 1.65; font-size: 12px; color: #8ba5b2; }
.legal p { margin-bottom: .9em; max-width: 1000px; }
.legal strong { color: #cfe0e8; }
.eho { display: inline-flex; align-items: center; gap: 8px; border: 1px solid rgba(255, 255, 255, .25); border-radius: 8px; padding: 6px 10px; margin-bottom: 14px; color: #fff; font-weight: 600; }

/* cookie banner + sticky mobile CTA */
.cookie { position: fixed; z-index: 90; left: 16px; bottom: 16px; max-width: 460px; padding: 18px 20px; background: var(--navy-deep); color: #dbe9ef; border-radius: 18px; box-shadow: var(--shadow); font-size: 13px; display: none; }
.cookie.show { display: block; animation: rise .6s forwards; }
.cookie p { margin: 0 0 12px; }
.cookie .row { display: flex; gap: 10px; flex-wrap: wrap; }
.cookie .btn { min-height: 40px; padding: 8px 18px; font-size: 14px; box-shadow: none; }
.cookie .btn.ghost { color: #fff; box-shadow: inset 0 0 0 1.5px rgba(255, 255, 255, .5); }
.sticky-cta { position: fixed; z-index: 60; left: 12px; right: 12px; bottom: 12px; display: none; gap: 10px; }
.sticky-cta .btn { flex: 1; }

/* legal pages */
.doc { padding-block: 64px 96px; }
.doc .wrap { max-width: 820px; }
.doc h1 { font-size: clamp(38px, 5vw, 58px); margin-bottom: 8px; }
.doc .updated { color: var(--muted); font-size: 14px; margin-bottom: 36px; }
.doc h2 { font-size: 26px; margin: 40px 0 12px; }
.doc h3 { font-size: 19px; margin: 24px 0 8px; font-family: var(--sans); font-weight: 600; letter-spacing: 0; }
.doc p, .doc li { color: #2d4c5c; }
.doc ul { padding-left: 22px; }
.doc table { width: 100%; border-collapse: collapse; font-size: 14px; margin: 14px 0 22px; }
.doc th, .doc td { text-align: left; padding: 10px 12px; border: 1px solid var(--line); vertical-align: top; }
.doc th { background: var(--paper-2); }
.notice { padding: 16px 18px; border-radius: 14px; background: #fff7dc; border: 1px solid #ecd78a; font-size: 14px; margin-bottom: 28px; color: #5a4300; }
.thanks { min-height: 70vh; display: grid; place-items: center; text-align: center; padding-block: 80px; }
.thanks .tick { width: 84px; height: 84px; border-radius: 50%; background: var(--ok); color: #fff; display: grid; place-items: center; margin: 0 auto 24px; animation: pop .6s cubic-bezier(.2, 1.4, .4, 1); }
@keyframes pop { from { transform: scale(0); } to { transform: scale(1); } }

/* responsive */
@media (max-width: 1020px) {
  .hero-grid { grid-template-columns: 1fr; padding-block: 48px 64px; min-height: 0; gap: 40px; }
  .calc, .foot-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr 1fr; }
  .prog, .prog:nth-child(1), .prog:nth-child(6) { grid-column: span 6; }
  .strip .wrap { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 760px) {
  .nav { display: none; position: absolute; top: 78px; left: 0; right: 0; flex-direction: column; gap: 0; padding: 10px 20px 20px; background: var(--paper); border-bottom: 1px solid var(--line); }
  .nav.open { display: flex; }
  .nav a { padding: 14px 0; font-size: 17px; border-bottom: 1px solid var(--line); }
  .menu-btn { display: grid; place-items: center; }
  .call span { display: none; }
  .pad { padding-block: 72px; }
  .prog, .prog:nth-child(1), .prog:nth-child(6) { grid-column: span 12; }
  .steps { grid-template-columns: 1fr; }
  .options, .two { grid-template-columns: 1fr; }
  .quiz { padding: 22px 18px; border-radius: 22px; }
  .quiz h2, .quiz h3.q { font-size: 24px; }
  .calc-in, .calc-out { padding: 24px 20px; }
  .sticky-cta { display: flex; }
  .sticky-cta .btn { white-space: nowrap; padding-inline: 16px; }
  .sticky-cta .btn.ghost { flex: 0 0 92px; }
  .hero-bullets { display: none; }
  .hero-sub { font-size: 16px; }
  .hero-grid { gap: 28px; padding-block: 36px 56px; }
  .cookie { left: 10px; right: 10px; bottom: 76px; max-width: none; }
  .faq summary { font-size: 19px; }
}
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal, .rise { opacity: 1; transform: none; }
}

/* program landing pages */
.crumbs { font-size: 13px; color: #a9c4d0; margin-bottom: 18px; }
.crumbs a { text-decoration: none; } .crumbs a:hover { text-decoration: underline; }
.crumbs span { margin-inline: 4px; }
.glance { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; margin-top: 8px; }
.glance div { padding: 22px; background: var(--card); border: 1px solid var(--line); border-radius: 18px; }
.glance b { display: block; font-family: var(--serif); font-size: 26px; font-weight: 500; line-height: 1.1; color: var(--navy); margin-bottom: 8px; }
.glance span { font-size: 14px; color: var(--muted); }
.cols { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.panel { padding: 30px; background: var(--card); border: 1px solid var(--line); border-radius: 24px; }
.panel h3 { font-size: 26px; margin-bottom: 14px; }
.ticks, .cautions { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; }
.ticks li, .cautions li { display: flex; gap: 12px; align-items: flex-start; font-size: 16px; color: #2d4c5c; }
.ticks li::before { content: ""; flex: none; width: 20px; height: 20px; margin-top: 3px; border-radius: 50%; background: var(--ok) url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3'><path d='M6 12.5l4 4 8-9'/></svg>") center / 14px no-repeat; }
.cautions li::before { content: "!"; flex: none; width: 20px; height: 20px; margin-top: 3px; border-radius: 50%; background: var(--sun); color: var(--navy-deep); font-weight: 700; font-size: 13px; display: grid; place-items: center; }
.related { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.related a { display: flex; justify-content: space-between; align-items: center; gap: 12px; padding: 20px 22px; background: var(--card); border: 1px solid var(--line); border-radius: 18px; text-decoration: none; font-family: var(--serif); font-size: 20px; transition: .25s; }
.related a:hover { border-color: var(--navy); transform: translateY(-3px); box-shadow: var(--shadow); }
.prog h3 a { text-decoration: none; } .prog h3 a:hover { text-decoration: underline; }
@media (max-width: 1020px) { .glance { grid-template-columns: 1fr 1fr; } .related { grid-template-columns: 1fr 1fr; } }
@media (max-width: 760px) { .glance, .cols, .related { grid-template-columns: 1fr; } .panel { padding: 22px 18px; } }

/* Punjabi (Gurmukhi) text */
:lang(pa), :lang(pa) h1, :lang(pa) h2, :lang(pa) h3 { font-family: "Noto Sans Gurmukhi", var(--sans); letter-spacing: 0; }
.pa-line { font-size: 1.15em; line-height: 1.7; color: inherit; }
.hero .pa-line { color: var(--sun); }
.langlink { font-family: "Noto Sans Gurmukhi", var(--sans); font-weight: 600; }
/* areas we serve */
.areas { display: flex; flex-wrap: wrap; gap: 10px; }
.areas a { padding: 10px 18px; border: 1px solid var(--line); background: var(--card); border-radius: 99px; text-decoration: none; font-weight: 500; transition: .25s; }
.areas a:hover { border-color: var(--navy); background: var(--navy); color: #fff; }
.foot-areas { border-top: 1px solid rgba(255,255,255,.1); padding-block: 22px 0; display: flex; flex-wrap: wrap; gap: 6px 18px; font-size: 13px; }
.foot-areas strong { color: #fff; font-size: 12px; letter-spacing: .15em; text-transform: uppercase; margin-right: 8px; }
.foot-areas a { padding: 2px 0; }

/* photo credit in hero corner */
.photo-credit { position: absolute; right: 16px; bottom: 10px; z-index: 1; font-size: 11px; color: rgba(255,255,255,.7); }
.photo-credit:empty { display: none; }
.photo-credit a { text-decoration: underline; }
@media (max-width: 760px) { .photo-credit { bottom: 76px; } }

/* owner / trust block */
.owner-band { background: linear-gradient(180deg, var(--paper), var(--paper-2)); }
.owner { display: grid; grid-template-columns: 320px 1fr; gap: 56px; align-items: center; }
.owner-photo { aspect-ratio: 4 / 5; border-radius: 28px; overflow: hidden; background: linear-gradient(150deg, var(--navy-deep), var(--navy)); box-shadow: var(--shadow); display: grid; place-items: center; position: relative; }
.owner-photo img { width: 100%; height: 100%; object-fit: cover; }
.owner-photo .mono { font-family: var(--serif); font-size: 96px; color: var(--sun); letter-spacing: .02em; }
.owner h2 { font-size: clamp(36px, 4vw, 52px); margin: 14px 0 6px; }
.owner-role { color: var(--clay); font-weight: 600; margin-bottom: 18px; }
.owner-copy p { color: #2d4c5c; font-size: 17px; }
.chips { list-style: none; display: flex; gap: 10px; padding: 0; margin: 18px 0; flex-wrap: wrap; }
.chips li { padding: 7px 16px; border: 1px solid var(--navy); border-radius: 99px; color: var(--navy); font-weight: 600; font-size: 14px; }
.owner-lic { font-size: 13px !important; color: var(--muted) !important; line-height: 1.7; }
.owner-lic a { text-decoration: underline; }
@media (max-width: 760px) { .owner { grid-template-columns: 1fr; gap: 28px; } .owner-photo { max-width: 280px; } }

/* alignment fixes */
.calc-in { display: flex; flex-direction: column; justify-content: space-between; gap: 22px; }
.calc-in .slider { margin-bottom: 0; }
.owner-copy .eyebrow { color: var(--clay); }
.prog { display: flex; flex-direction: column; }
.prog a:last-child { margin-top: auto; }

/* header: use the menu button on tablets so links never wrap */
@media (max-width: 1020px) {
  .nav { display: none; position: absolute; top: 78px; left: 0; right: 0; flex-direction: column; gap: 0; padding: 10px 20px 20px; background: var(--paper); border-bottom: 1px solid var(--line); }
  .nav.open { display: flex; }
  .nav a { padding: 14px 0; font-size: 17px; border-bottom: 1px solid var(--line); }
  .nav a::after { display: none; }
  .menu-btn { display: grid; place-items: center; }
}
/* wide tables scroll inside themselves instead of widening the page */
@media (max-width: 760px) {
  .doc table { display: block; overflow-x: auto; -webkit-overflow-scrolling: touch; }
  .doc th, .doc td { min-width: 150px; }
}

/* baseline alignment for mixed English + Gurmukhi rows */
.nav { align-items: baseline; }
.nav a { line-height: 1.4; }
.langlink { line-height: 1.4; font-size: 15px; position: relative; top: 2px; }
.call { display: inline-flex; align-items: center; gap: 8px; line-height: 1; }
.call svg { flex: none; }
.foot-areas { align-items: baseline; }
.foot-areas a { line-height: 1.5; }
.foot-areas a[lang="pa"] { position: relative; top: 2px; font-size: 14px; }
.areas a { display: inline-flex; align-items: center; line-height: 1.3; }
.areas a[lang="pa"] { padding-block: 9px 11px; }

/* H.O.M.E. Lending badge (mortgage loan originator affiliation) */
.home-badge { display: inline-flex; align-items: center; vertical-align: middle; background: #fff; border-radius: 8px; padding: 3px 8px; margin-left: 8px; box-shadow: inset 0 0 0 1px rgba(8, 42, 61, .12); }
.home-badge img { height: 32px; width: auto; display: block; }
.mlo-line { display: flex; align-items: center; flex-wrap: wrap; gap: 2px; }
.lic-row { display: block; }
.owner-lic .home-badge { margin-left: 6px; }
.owner-lic a { display: inline-block; margin-top: 6px; }