:root {
    --brand: #4FB8E8;
    --brand-dark: #2E9FD4;
    --brand-light: #CFEBF8;
    --brand-pale: #EAF6FC;
    --ink: #0A1220;
    --ink-soft: #2B3445;
    --gray-900: #1a2230;
    --gray-700: #4a5568;
    --gray-500: #8a94a5;
    --gray-300: #d4dae3;
    --gray-200: #e8ecf2;
    --gray-100: #f3f6fa;
    --gray-50: #fafbfd;
    --white: #ffffff;
    --success: #27b97a;
  }

  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  html { scroll-behavior: smooth; }
  body {
    font-family: 'Manrope', sans-serif;
    background: var(--white);
    color: var(--ink);
    overflow-x: hidden;
    -webkit-font-smoothing: antialiased;
  }

  .brand-logo { display: inline-flex; align-items: center; text-decoration: none; gap: 10px; color: var(--ink); }
  .brand-logo-img { display: block; width: 260px; max-width: 42vw; height: auto; }
  .brand-mark { width: 42px; height: 42px; border-radius: 10px; background: var(--brand); display: grid; place-items: center; color: var(--white); font-weight: 800; letter-spacing: -0.04em; }
  .brand-word { font-weight: 800; line-height: 1; letter-spacing: -0.04em; }
  .brand-word span { display: block; color: var(--brand); font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; margin-top: 4px; }
  .footer-brand .brand-logo {
    background: var(--white);
    padding: 10px 18px;
    border-radius: 10px;
    display: inline-flex;
    box-shadow: 0 8px 24px rgba(0,0,0,0.25);
  }
  .footer-brand .brand-logo-img { width: 220px; max-width: 100%; }

  .skip-link {
    position: absolute; left: -9999px; top: 0; z-index: 1000;
    background: var(--brand, #4FB8E8); color: #fff !important;
    padding: 12px 20px; font-weight: 700; font-size: 14px;
    text-decoration: none; border-radius: 0 0 8px 0;
    box-shadow: 0 4px 16px rgba(0,0,0,0.2);
  }
  .skip-link:focus { left: 0; outline: 3px solid #ffd84d; outline-offset: 2px; }
  #main-content { scroll-margin-top: 90px; }
  #main-content:focus { outline: none; }

  nav {
    position: fixed; top: 0; left: 0; right: 0; z-index: 100;
    padding: 0 56px; height: 78px;
    display: flex; align-items: center; justify-content: space-between;
    background: rgba(255,255,255,0.96);
    backdrop-filter: blur(18px);
    border-bottom: 1px solid var(--gray-200);
  }
  .nav-links { display: flex; align-items: center; gap: 36px; list-style: none; }
  .nav-links a { font-size: 14px; font-weight: 600; color: var(--ink-soft); text-decoration: none; transition: color 0.2s; position: relative; white-space: nowrap; }
  .nav-links a:not(.nav-cta)::after { content: ''; position: absolute; bottom: -4px; left: 0; width: 0; height: 2px; background: var(--brand); transition: width 0.25s; }
  .nav-links a:hover:not(.nav-cta)::after { width: 100%; }
  .nav-links a:hover:not(.nav-cta) { color: var(--brand); }
  .nav-cta {
    padding: 11px 22px; background: var(--brand); color: var(--white) !important;
    border-radius: 999px; font-weight: 700 !important; font-size: 13px !important;
    transition: all 0.25s !important;
    box-shadow: 0 4px 16px rgba(79,184,232,0.35);
  }
  .nav-cta:hover { background: var(--brand-dark) !important; transform: translateY(-1px); box-shadow: 0 8px 24px rgba(79,184,232,0.45); }
  .nav-toggle {
    display: none; background: transparent; border: 0; padding: 10px;
    width: 44px; height: 44px; cursor: pointer; border-radius: 8px;
    flex-direction: column; justify-content: center; align-items: center; gap: 5px;
  }
  .nav-toggle:hover { background: var(--gray-100, rgba(0,0,0,0.04)); }
  .nav-toggle-bar {
    display: block; width: 22px; height: 2px; background: var(--ink, #111);
    border-radius: 2px; transition: transform 0.25s, opacity 0.2s;
  }
  .nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2) { opacity: 0; }
  .nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
  .mobile-menu {
    position: fixed; top: 78px; left: 0; right: 0; z-index: 99;
    background: rgba(255,255,255,0.98); backdrop-filter: blur(18px);
    border-bottom: 1px solid var(--gray-200);
    transform: translateY(-12px); opacity: 0; pointer-events: none;
    transition: transform 0.25s ease, opacity 0.25s ease;
    padding: 16px 24px 24px;
  }
  .mobile-menu.open { transform: translateY(0); opacity: 1; pointer-events: auto; }
  .mobile-menu-links { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 4px; }
  .mobile-menu-links a {
    display: block; padding: 14px 12px; font-size: 16px; font-weight: 600;
    color: var(--ink-soft); text-decoration: none; border-radius: 10px;
  }
  .mobile-menu-links a:hover { background: var(--gray-100, rgba(0,0,0,0.04)); color: var(--brand); }
  .mobile-menu-cta {
    margin-top: 8px; text-align: center; background: var(--brand);
    color: var(--white) !important; border-radius: 999px;
    box-shadow: 0 4px 16px rgba(79,184,232,0.35);
  }
  .mobile-menu-cta:hover { background: var(--brand-dark) !important; color: var(--white) !important; }
  body.menu-open { overflow: hidden; }
  @media (min-width: 1340px) { .mobile-menu { display: none !important; } }
  @media (max-width: 1339px) {
    .nav-links { display: none; }
    .nav-cta { display: none; }
    .nav-toggle { display: inline-flex; }
  }

  /* Desktop dropdown */
  .nav-has-dropdown { position: relative; }
  .nav-dropdown-trigger { display: inline-flex; align-items: center; gap: 4px; }
  .nav-chevron { transition: transform 0.2s; flex-shrink: 0; }
  .nav-has-dropdown:hover .nav-chevron,
  .nav-has-dropdown:focus-within .nav-chevron { transform: rotate(180deg); }
  .nav-dropdown {
    position: absolute; top: calc(100% + 14px); left: 50%; transform: translateX(-50%);
    background: var(--white); border: 1px solid var(--gray-200);
    border-radius: 14px; box-shadow: 0 12px 40px rgba(0,0,0,0.12);
    padding: 8px; list-style: none; min-width: 240px;
    opacity: 0; pointer-events: none;
    transform: translateX(-50%) translateY(-6px);
    transition: opacity 0.2s ease, transform 0.2s ease;
    z-index: 200;
  }
  /* Invisible bridge so the cursor can travel from the trigger
     into the panel without dropping the :hover state. */
  .nav-dropdown::before {
    content: ""; position: absolute;
    left: 0; right: 0; top: -14px; height: 14px;
    background: transparent;
  }
  .nav-has-dropdown:hover .nav-dropdown,
  .nav-has-dropdown:focus-within .nav-dropdown {
    opacity: 1; pointer-events: auto;
    transform: translateX(-50%) translateY(0);
  }
  .nav-dropdown li a {
    display: flex; align-items: center; justify-content: space-between;
    padding: 9px 12px; border-radius: 8px; font-size: 13px; font-weight: 600;
    color: var(--ink-soft); text-decoration: none;
    transition: background 0.15s, color 0.15s;
    gap: 8px;
  }
  .nav-dropdown li a::after { display: none !important; }
  .nav-dropdown li a:hover { background: var(--brand-pale); color: var(--brand-dark); }
  .nav-dropdown-tag {
    font-size: 10px; font-weight: 700; letter-spacing: 0.04em;
    color: var(--brand-dark); background: var(--brand-pale);
    border: 1px solid rgba(79,184,232,0.25); border-radius: 4px;
    padding: 2px 6px; white-space: nowrap; flex-shrink: 0;
  }
  .nav-dropdown li a:hover .nav-dropdown-tag { background: rgba(79,184,232,0.2); }

  /* Mobile accordion */
  .mobile-accordion-btn {
    display: flex; align-items: center; justify-content: space-between;
    width: 100%; padding: 14px 12px;
    background: transparent; border: none; cursor: pointer;
    font-family: 'Manrope', sans-serif; font-size: 16px; font-weight: 600;
    color: var(--ink-soft); border-radius: 10px; text-align: left;
    transition: background 0.15s, color 0.15s;
  }
  .mobile-accordion-btn:hover { background: var(--gray-100, rgba(0,0,0,0.04)); color: var(--brand); }
  .mobile-accordion-btn[aria-expanded="true"] { color: var(--brand); }
  .mobile-accordion-chevron { transition: transform 0.25s; flex-shrink: 0; }
  .mobile-accordion-btn[aria-expanded="true"] .mobile-accordion-chevron { transform: rotate(180deg); }
  .mobile-accordion-list {
    list-style: none; margin: 0; padding: 0 0 4px 12px;
  }
  .mobile-accordion-list[hidden] { display: none; }
  .mobile-accordion-list li a {
    display: block; padding: 10px 12px; font-size: 14px; font-weight: 600;
    color: var(--ink-soft); text-decoration: none; border-radius: 8px;
    transition: background 0.15s, color 0.15s;
  }
  .mobile-accordion-list li a:hover { background: var(--gray-100, rgba(0,0,0,0.04)); color: var(--brand); }

  #hero { min-height: 100vh; padding: 140px 56px 80px; position: relative; overflow: hidden; background: var(--white); }
  #hero::before {
    content: ''; position: absolute; inset: 0;
    background-image:
      linear-gradient(rgba(79,184,232,0.06) 1px, transparent 1px),
      linear-gradient(90deg, rgba(79,184,232,0.06) 1px, transparent 1px);
    background-size: 56px 56px;
    pointer-events: none;
    mask-image: radial-gradient(ellipse at 70% 30%, black 20%, transparent 75%);
    -webkit-mask-image: radial-gradient(ellipse at 70% 30%, black 20%, transparent 75%);
  }
  #hero::after {
    content: ''; position: absolute; top: -200px; right: -200px;
    width: 600px; height: 600px; border-radius: 50%;
    background: radial-gradient(circle, rgba(79,184,232,0.18) 0%, transparent 65%);
    pointer-events: none;
  }
  .hero-grid {
    display: grid; grid-template-columns: 1.2fr 1fr; gap: 80px;
    align-items: center; max-width: 1400px; margin: 0 auto;
    position: relative; z-index: 2;
  }
  .hero-badge {
    display: inline-flex; align-items: center; gap: 10px;
    padding: 8px 16px; background: var(--brand-pale);
    border: 1px solid rgba(79,184,232,0.3); border-radius: 999px;
    font-size: 12px; font-weight: 700; letter-spacing: 0.04em;
    color: var(--brand-dark); margin-bottom: 28px;
  }
  .hero-badge .dot { width: 6px; height: 6px; background: var(--success); border-radius: 50%; box-shadow: 0 0 0 3px rgba(39,185,122,0.2); animation: pulse 2s ease infinite; }
  @keyframes pulse { 0%,100% { box-shadow: 0 0 0 3px rgba(39,185,122,0.2); } 50% { box-shadow: 0 0 0 6px rgba(39,185,122,0.05); } }
  .hero-h1 {
    font-family: 'Fraunces', serif; font-size: clamp(48px, 6vw, 78px);
    font-weight: 400; line-height: 1.02; letter-spacing: -0.03em;
    color: var(--ink); margin-bottom: 28px;
  }
  .hero-h1 .accent { color: var(--brand); font-style: italic; font-weight: 500; position: relative; }
  .hero-h1 .accent::after {
    content: ''; position: absolute; left: 0; right: 0; bottom: 4px;
    height: 8px; background: rgba(79,184,232,0.18); z-index: -1; border-radius: 4px;
  }
  .hero-sub { font-size: 18px; line-height: 1.6; color: var(--gray-700); max-width: 520px; margin-bottom: 40px; }
  .hero-actions { display: flex; align-items: center; gap: 16px; flex-wrap: wrap; margin-bottom: 48px; }

  .btn-primary, .btn-cta-dark {
    display: inline-flex; align-items: center; gap: 10px;
    padding: 16px 32px; background: var(--ink); color: var(--white);
    font-family: 'Manrope', sans-serif; font-size: 15px; font-weight: 700;
    letter-spacing: -0.01em; text-decoration: none; border-radius: 999px;
    transition: all 0.25s; border: none; cursor: pointer;
  }
  .btn-primary:hover { background: var(--brand); transform: translateY(-2px); box-shadow: 0 16px 36px rgba(79,184,232,0.35); }
  .btn-primary svg, .btn-cta-dark svg { transition: transform 0.25s; }
  .btn-primary:hover svg, .btn-cta-dark:hover svg { transform: translateX(4px); }

  .btn-ghost {
    display: inline-flex; align-items: center; gap: 10px;
    padding: 16px 28px; background: transparent; color: var(--ink);
    font-family: 'Manrope', sans-serif; font-size: 15px; font-weight: 700;
    text-decoration: none; border-radius: 999px;
    border: 2px solid var(--gray-300); transition: all 0.25s; cursor: pointer;
  }
  .btn-ghost:hover { border-color: var(--brand); color: var(--brand); }

  .hero-trust { display: flex; align-items: center; gap: 24px; }
  .avatar-stack { display: flex; text-decoration: none; }
  .avatar-stack .avatar {
    width: 40px; height: 40px; border-radius: 50%;
    background: linear-gradient(135deg, var(--brand), var(--brand-dark));
    border: 3px solid var(--white); margin-left: -10px;
    display: flex; align-items: center; justify-content: center;
    color: var(--white); font-weight: 700; font-size: 13px;
    text-decoration: none;
  }
  .avatar-stack .avatar:first-child { margin-left: 0; }
  .avatar-stack .avatar:nth-child(2) { background: linear-gradient(135deg, #f4a261, #e76f51); }
  .avatar-stack .avatar:nth-child(3) { background: linear-gradient(135deg, #6fcf97, #27b97a); }
  .avatar-stack .avatar:nth-child(4) { background: linear-gradient(135deg, #a78bfa, #7c3aed); }
  .avatar-stack .avatar.avatar-photo { padding: 0; overflow: hidden; background: var(--gray-200); }
  .avatar-stack .avatar.avatar-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
  .trust-copy .stars { color: var(--brand); font-size: 14px; }
  .trust-copy .text { font-size: 13px; color: var(--gray-700); margin-top: 2px; }
  .trust-copy .text strong { color: var(--ink); font-weight: 700; }

  .hero-visual { position: relative; }
  .rate-card-main {
    background: var(--white); border-radius: 24px;
    box-shadow: 0 30px 80px rgba(10,18,32,0.08), 0 2px 8px rgba(10,18,32,0.04);
    padding: 32px; border: 1px solid var(--gray-200); position: relative; z-index: 2;
  }
  .rc-header { display: flex; justify-content: space-between; align-items: center; padding-bottom: 20px; border-bottom: 1px solid var(--gray-200); margin-bottom: 24px; }
  .rc-title { font-family: 'Fraunces', serif; font-size: 17px; font-weight: 500; color: var(--ink); }
  .rc-live { display: inline-flex; align-items: center; gap: 6px; font-size: 11px; font-weight: 700; letter-spacing: 0.1em; text-transform: uppercase; color: var(--success); }
  .rc-live .dot { width: 6px; height: 6px; background: var(--success); border-radius: 50%; animation: pulse 2s ease infinite; }
  .rate-rows { display: flex; flex-direction: column; gap: 14px; margin-bottom: 24px; }
  .rate-row {
    display: flex; justify-content: space-between; align-items: center;
    padding: 14px 18px; background: var(--gray-50); border-radius: 12px;
    transition: all 0.2s;
  }
  .rate-row.highlight {
    background: linear-gradient(135deg, var(--brand-pale), #dcf0f9);
    border: 1px solid rgba(79,184,232,0.3);
  }
  .rate-row:hover { background: var(--gray-100); transform: translateX(4px); }
  .rate-row.highlight:hover { background: linear-gradient(135deg, var(--brand-pale), #d0e9f5); transform: translateX(4px); }
  .rr-type { font-size: 14px; font-weight: 600; color: var(--ink); }
  .rr-apr { font-size: 11px; color: var(--gray-500); margin-top: 2px; font-family: 'JetBrains Mono', monospace; }
  .rr-rate { font-family: 'Manrope', sans-serif; font-size: 13px; font-weight: 800; color: var(--ink); white-space: nowrap; }
  .rate-row.highlight .rr-rate { color: var(--brand-dark); }
  .rc-cta {
    display: block; width: 100%; padding: 14px;
    background: var(--brand); color: var(--white);
    font-family: 'Manrope', sans-serif; font-size: 14px; font-weight: 700;
    text-align: center; border-radius: 12px;
    text-decoration: none; transition: background 0.2s;
  }
  .rc-cta:hover { background: var(--brand-dark); }

  .stat-float {
    position: absolute; bottom: -40px; left: -50px;
    background: var(--ink); color: var(--white);
    border-radius: 16px; padding: 20px 24px;
    box-shadow: 0 20px 40px rgba(10,18,32,0.25);
    z-index: 3; transform: rotate(-3deg);
  }
  .stat-float-label { font-size: 11px; font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--brand); margin-bottom: 6px; }
  .stat-float-num { font-family: 'Fraunces', serif; font-size: 32px; font-weight: 500; line-height: 1; }
  .stat-float-sub { font-size: 12px; color: rgba(255,255,255,0.6); margin-top: 4px; }
  .hero-blob {
    position: absolute; top: -30px; right: -60px;
    width: 200px; height: 200px; background: var(--brand);
    border-radius: 50%; opacity: 0.1; filter: blur(40px); z-index: 1;
  }

  .stats-strip { background: var(--ink); padding: 48px 56px; color: var(--white); }
  .stats-inner { max-width: 1400px; margin: 0 auto; display: grid; grid-template-columns: repeat(4, 1fr); gap: 40px; }
  .stat-item { border-left: 2px solid var(--brand); padding-left: 20px; }
  .stat-num { font-family: 'Fraunces', serif; font-size: 44px; font-weight: 400; line-height: 1; margin-bottom: 8px; }
  .stat-num .plus { color: var(--brand); }
  .stat-label { font-size: 13px; color: rgba(255,255,255,0.6); font-weight: 500; }

  section { padding: 120px 56px; }
  .section-container { max-width: 1400px; margin: 0 auto; }
  .eyebrow {
    display: inline-flex; align-items: center; gap: 10px;
    font-size: 12px; font-weight: 700; letter-spacing: 0.16em; text-transform: uppercase;
    color: var(--brand); margin-bottom: 20px;
  }
  .eyebrow::before { content: ''; width: 24px; height: 2px; background: var(--brand); }
  .section-title {
    font-family: 'Fraunces', serif; font-size: clamp(36px, 4.5vw, 56px);
    font-weight: 400; line-height: 1.05; letter-spacing: -0.02em;
    color: var(--ink); margin-bottom: 20px;
  }
  .section-title .accent { color: var(--brand); font-style: italic; }
  .section-desc { font-size: 17px; line-height: 1.65; color: var(--gray-700); max-width: 580px; }

  #programs, #calculator { background: var(--gray-50); }
  .programs-header { display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: end; margin-bottom: 60px; }
  .programs-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
  .program-card, .why-card, .testi-card, .ps-card {
    background: var(--white); border: 1px solid var(--gray-200); border-radius: 20px;
    padding: 32px; transition: all 0.3s cubic-bezier(0.4, 0, 0.2, 1);
    position: relative; overflow: hidden;
  }
  .program-card::after {
    content: ''; position: absolute; top: 0; left: 0; width: 100%; height: 4px;
    background: var(--brand); transform: scaleX(0); transform-origin: left; transition: transform 0.35s;
  }
  .program-card:hover, .why-card:hover, .testi-card:hover, .ps-card:hover {
    border-color: var(--brand); transform: translateY(-6px);
    box-shadow: 0 24px 48px rgba(79,184,232,0.12);
  }
  .program-card:hover::after, .program-card.expanded::after { transform: scaleX(1); }
  .program-card:focus-visible { outline: 3px solid rgba(79,184,232,0.35); outline-offset: 3px; }
  .program-icon, .why-icon {
    width: 52px; height: 52px; background: var(--brand-pale);
    border-radius: 14px; display: flex; align-items: center; justify-content: center;
    margin-bottom: 20px; color: var(--brand); transition: all 0.3s;
  }
  .program-card:hover .program-icon, .why-card:hover .why-icon { background: var(--brand); color: var(--white); }
  .program-icon svg, .why-icon svg { width: 24px; height: 24px; }
  .program-name, .why-title { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500; margin-bottom: 10px; color: var(--ink); }
  .program-desc, .why-text { font-size: 14px; line-height: 1.6; color: var(--gray-700); margin-bottom: 20px; }
  .program-details {
    max-height: 0; opacity: 0; overflow: hidden;
    transition: max-height 0.35s ease, opacity 0.25s ease, margin 0.25s ease;
    margin: 0;
  }
  .program-card:hover .program-details, .program-card.expanded .program-details {
    max-height: 220px; opacity: 1; margin: -4px 0 20px;
  }
  .program-details ul { list-style: none; display: grid; gap: 8px; }
  .program-details li {
    display: flex; gap: 8px; font-size: 13px; line-height: 1.45;
    color: var(--gray-700);
  }
  .program-details li::before {
    content: '✓'; color: var(--brand); font-weight: 900; flex: 0 0 auto;
  }
  .program-meta { display: flex; justify-content: space-between; align-items: center; padding-top: 16px; border-top: 1px solid var(--gray-200); }
  .program-tag {
    display: inline-block; padding: 4px 10px; background: var(--brand-pale);
    border-radius: 6px; font-size: 11px; font-weight: 700; letter-spacing: 0.04em; color: var(--brand-dark);
  }
  .program-arrow { color: var(--gray-500); transition: all 0.25s; text-decoration: none; display: inline-block; }
  .program-card:hover .program-arrow, .program-card.expanded .program-arrow { color: var(--brand); transform: translate(4px, -4px) rotate(-45deg); }

  #about { padding-bottom: 60px; }
  #about + #why { padding-top: 60px; }
  .about-container { max-width: 920px; }
  .about-prose { margin-top: 28px; display: flex; flex-direction: column; gap: 20px; }
  .about-prose p { font-size: 17px; line-height: 1.7; color: var(--gray-700); }
  .about-prose strong { color: var(--ink); font-weight: 700; }
  .about-prose .accent { color: var(--brand-dark); font-style: italic; font-weight: 600; }
  .about-prose strong.accent { font-weight: 700; }
  .about-compliance {
    margin-top: 32px; padding-top: 20px;
    border-top: 1px solid var(--gray-200);
    font-size: 13px; color: var(--gray-500);
    font-family: 'JetBrains Mono', monospace;
    letter-spacing: 0.01em;
  }
  .footer-compliance-line {
    font-family: 'JetBrains Mono', monospace;
    font-size: 12px; letter-spacing: 0.02em;
    color: rgba(255,255,255,0.85); margin-bottom: 10px;
  }
  @media (max-width: 720px) {
    #about { padding-left: 24px; padding-right: 24px; }
    .about-prose p { font-size: 16px; }
  }

  .team-row {
    list-style: none; margin: 48px auto 56px; padding: 0;
    display: flex; flex-wrap: wrap; justify-content: center;
    gap: 40px 56px; max-width: 1100px;
  }
  .team-member { display: flex; flex-direction: column; align-items: center; text-align: center; width: 140px; }
  .team-photo {
    width: 120px; height: 120px; border-radius: 50%;
    background: var(--brand-pale);
    border: 4px solid var(--brand-pale);
    box-shadow: 0 0 0 1px rgba(79,184,232,0.25);
    overflow: hidden; display: flex; align-items: center; justify-content: center;
    margin-bottom: 14px;
  }
  .team-photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; display: block; }
  .team-photo-placeholder { color: var(--brand); }
  .team-photo-placeholder svg { width: 56px; height: 56px; }
  .team-name { font-family: 'Fraunces', serif; font-size: 18px; font-weight: 600; color: var(--ink); line-height: 1.2; }
  .team-title { font-size: 13px; color: var(--gray-700); margin-top: 4px; }
  .team-nmls { font-size: 12px; color: var(--gray-700); margin-top: 2px; letter-spacing: 0.02em; }
  .why-text-short { display: none; }

  .process-layout, .calc-layout, .partner-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; margin-top: 60px; }
  .calc-layout { grid-template-columns: 1.2fr 1fr; gap: 40px; }
  .process-steps { display: flex; flex-direction: column; }
  .process-step { display: grid; grid-template-columns: 60px 1fr; gap: 24px; padding: 28px 0; border-bottom: 1px solid var(--gray-200); cursor: pointer; transition: all 0.2s; }
  .process-step:first-child { padding-top: 0; }
  .process-step:last-child { border-bottom: none; }
  .step-num { font-family: 'Fraunces', serif; font-size: 36px; font-weight: 400; color: var(--brand); line-height: 1; }
  .step-title { font-family: 'Fraunces', serif; font-size: 24px; font-weight: 500; margin-bottom: 8px; color: var(--ink); transition: color 0.2s; }
  .process-step:hover .step-title { color: var(--brand); }
  .step-text { font-size: 15px; line-height: 1.6; color: var(--gray-700); }
  .process-visual, .calc-result {
    position: sticky; top: 100px;
    background: linear-gradient(135deg, var(--ink) 0%, var(--gray-900) 100%);
    border-radius: 24px; padding: 40px; color: var(--white); overflow: hidden;
  }
  .process-visual::before, .calc-result::before {
    content: ''; position: absolute; top: -80px; right: -80px;
    width: 240px; height: 240px; border-radius: 50%;
    background: radial-gradient(circle, rgba(79,184,232,0.25) 0%, transparent 70%);
  }
  .pv-label, .calc-res-label { font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--brand); margin-bottom: 24px; position: relative; z-index: 1; }
  .calc-res-sub { font-size: 14px; color: rgba(255,255,255,0.55); margin-bottom: 36px; font-family: 'JetBrains Mono', monospace; }
  .calc-breakdown { display: flex; flex-direction: column; gap: 12px; padding-top: 28px; border-top: 1px solid rgba(255,255,255,0.08); }
  .cb-row { display: flex; justify-content: space-between; align-items: center; font-size: 14px; gap: 24px; }
  .cb-label { color: rgba(255,255,255,0.55); }
  .cb-val { font-weight: 600; color: var(--white); text-align: right; }
  .cb-val.accent { color: var(--brand); }

  .pv-timeline { position: relative; padding: 4px 0 8px; z-index: 1; }
  .pv-tl-list { list-style: none; margin: 0; padding: 0; }
  .pv-tl-title { margin: 0 0 4px; }
  .pv-tl-line {
    position: absolute; left: 21px; top: 22px; bottom: 22px; width: 2px;
    pointer-events: none;
  }
  .pv-tl-line-fill {
    display: block; width: 100%; height: 100%;
    background-image: linear-gradient(to bottom, rgba(255,255,255,0.32) 50%, transparent 50%);
    background-size: 2px 8px; background-repeat: repeat-y;
    transform: scaleY(0); transform-origin: top center;
    transition: transform 1.1s cubic-bezier(0.22, 0.61, 0.36, 1) 0.15s;
  }
  .process-visual.is-visible .pv-tl-line-fill { transform: scaleY(1); }
  .pv-tl-step {
    position: relative; display: grid; grid-template-columns: 44px 1fr;
    gap: 16px; align-items: start; padding-bottom: 24px;
    opacity: 0; transform: translateY(10px);
    transition: opacity 0.5s ease, transform 0.5s ease;
    transition-delay: calc(0.3s + var(--i, 0) * 0.18s);
  }
  .process-visual.is-visible .pv-tl-step { opacity: 1; transform: translateY(0); }
  .pv-tl-step:last-child { padding-bottom: 0; }
  .pv-tl-circle {
    width: 44px; height: 44px; border-radius: 50%;
    background: rgba(255,255,255,0.06);
    border: 1.5px solid rgba(255,255,255,0.18);
    display: flex; align-items: center; justify-content: center;
    color: var(--white); font-family: 'JetBrains Mono', monospace;
    font-size: 13px; font-weight: 600; letter-spacing: 0.02em;
    position: relative; z-index: 1;
  }
  .pv-tl-step.is-final .pv-tl-circle {
    background: var(--success); border-color: var(--success); color: var(--white);
    box-shadow: 0 0 0 4px rgba(39,185,122,0.18), 0 8px 20px rgba(39,185,122,0.35);
  }
  .pv-tl-body { padding-top: 8px; min-width: 0; }
  .pv-tl-title {
    display: flex; align-items: center; gap: 8px;
    font-family: 'Fraunces', serif; font-size: 18px; font-weight: 500;
    color: var(--white); line-height: 1.2; margin-bottom: 4px;
  }
  .pv-tl-icon { width: 16px; height: 16px; color: var(--brand); flex-shrink: 0; }
  .pv-tl-step.is-final .pv-tl-icon { color: var(--success); }
  .pv-tl-caption { font-size: 13px; line-height: 1.45; color: rgba(255,255,255,0.6); }
  .pv-tl-pill {
    display: flex; align-items: center; justify-content: center; gap: 8px;
    width: fit-content; margin: 8px auto 0; padding: 8px 14px;
    background: rgba(79,184,232,0.12); border: 1px solid rgba(79,184,232,0.3);
    border-radius: 999px; color: var(--brand-light);
    font-size: 12px; font-weight: 700; letter-spacing: 0.04em;
    position: relative; z-index: 1;
    opacity: 0; transform: translateY(10px);
    transition: opacity 0.5s ease 1s, transform 0.5s ease 1s;
  }
  .process-visual.is-visible .pv-tl-pill { opacity: 1; transform: translateY(0); }
  .pv-tl-pill-dot { width: 6px; height: 6px; background: var(--success); border-radius: 50%; box-shadow: 0 0 0 3px rgba(39,185,122,0.25); }

  @media (prefers-reduced-motion: reduce) {
    .pv-tl-step, .pv-tl-line-fill, .pv-tl-pill { opacity: 1 !important; transform: none !important; transition: none !important; }
  }

  @keyframes programsReveal {
    from { opacity: 0; transform: translateY(12px); }
    to   { opacity: 1; transform: none; }
  }
  #programs[data-reveal]:not(.is-visible) .programs-header > *,
  #programs[data-reveal]:not(.is-visible) .program-card {
    opacity: 0;
  }
  #programs[data-reveal].is-visible .programs-header > * {
    animation: programsReveal 0.55s ease backwards;
  }
  #programs[data-reveal].is-visible .programs-header > *:nth-child(2) {
    animation-delay: 0.08s;
  }
  #programs[data-reveal].is-visible .program-card {
    animation: programsReveal 0.55s ease backwards;
    animation-delay: calc(0.18s + var(--i, 0) * 0.06s);
  }
  @media (prefers-reduced-motion: reduce) {
    #programs[data-reveal]:not(.is-visible) .programs-header > *,
    #programs[data-reveal]:not(.is-visible) .program-card { opacity: 1; }
    #programs[data-reveal].is-visible .programs-header > *,
    #programs[data-reveal].is-visible .program-card { animation: none; }
  }

  .calc-form { background: var(--white); border: 1px solid var(--gray-200); border-radius: 24px; padding: 40px; box-shadow: 0 4px 24px rgba(10,18,32,0.04); }
  .calc-row { margin-bottom: 26px; }
  .calc-label { display: block; font-size: 12px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: var(--gray-700); margin-bottom: 10px; }
  .calc-input {
    width: 100%; padding: 16px 20px; background: var(--gray-50);
    border: 2px solid var(--gray-200); border-radius: 12px; color: var(--ink);
    font-family: 'JetBrains Mono', monospace; font-size: 17px; font-weight: 500;
    outline: none; transition: all 0.2s;
  }
  .calc-input:focus { border-color: var(--brand); background: var(--white); box-shadow: 0 0 0 4px rgba(79,184,232,0.12); }
  .calc-input.field-error { border-color: #e53e3e; background: #fff5f5; box-shadow: 0 0 0 3px rgba(229,62,62,0.12); }
  .calc-input.field-error:focus { border-color: #e53e3e; box-shadow: 0 0 0 4px rgba(229,62,62,0.18); }
  .field-error-msg { display: block; margin-top: 5px; font-size: 12px; font-weight: 600; color: #e53e3e; font-family: 'Manrope', sans-serif; letter-spacing: 0.01em; }
  .calc-slider {
    width: 100%; -webkit-appearance: none; height: 6px;
    background: var(--gray-200); border-radius: 3px; outline: none; cursor: pointer;
  }
  .calc-slider::-webkit-slider-thumb {
    -webkit-appearance: none; width: 22px; height: 22px; border-radius: 50%;
    background: var(--brand); cursor: pointer; border: 4px solid var(--white);
    box-shadow: 0 0 0 2px var(--brand), 0 4px 12px rgba(79,184,232,0.4);
    transition: transform 0.15s;
  }
  .calc-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
  .calc-slider-labels { display: flex; justify-content: space-between; margin-top: 10px; }
  .calc-slider-labels span { font-size: 12px; color: var(--gray-500); font-family: 'JetBrains Mono', monospace; }
  .calc-slider-labels .current { color: var(--brand); font-weight: 700; }
  .term-toggle { display: flex; gap: 10px; }
  .term-btn {
    flex: 1; padding: 14px; background: var(--gray-50); color: var(--gray-700);
    border: 2px solid var(--gray-200); border-radius: 12px;
    font-family: 'Manrope', sans-serif; font-weight: 700; font-size: 14px;
    cursor: pointer; transition: all 0.2s;
  }
  .term-btn.active { background: var(--brand); color: var(--white); border-color: var(--brand); box-shadow: 0 8px 20px rgba(79,184,232,0.3); }
  .calc-res-payment { font-family: 'Fraunces', serif; font-size: 64px; font-weight: 400; line-height: 1; margin-bottom: 6px; }
  .calc-btn {
    display: block; width: 100%; margin-top: 28px; padding: 16px;
    background: var(--brand); color: var(--white);
    font-family: 'Manrope', sans-serif; font-size: 14px; font-weight: 700;
    letter-spacing: 0.04em; text-align: center;
    border: none; border-radius: 12px; cursor: pointer;
    transition: all 0.2s; text-decoration: none;
  }
  .calc-btn:hover { background: var(--brand-dark); transform: translateY(-2px); box-shadow: 0 12px 24px rgba(79,184,232,0.4); }

  .why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; margin-top: 60px; }
  .why-card { background: var(--gray-50); }
  .why-card:hover { background: var(--white); }

  #partners { background: var(--brand-pale); position: relative; overflow: hidden; }
  #partners::before {
    content: ''; position: absolute; top: -200px; left: -200px;
    width: 500px; height: 500px; background: var(--brand);
    border-radius: 50%; opacity: 0.08; filter: blur(60px);
  }
  #partners, #loan-officers { scroll-margin-top: 96px; }
  #loan-officers { background: var(--white); position: relative; overflow: hidden; }
  #loan-officers::before {
    content: ''; position: absolute; bottom: -220px; right: -220px;
    width: 520px; height: 520px; background: var(--brand);
    border-radius: 50%; opacity: 0.07; filter: blur(64px);
  }
  #loan-officers .partner-layout { margin-top: 0; }
  .partner-layout { position: relative; z-index: 2; align-items: center; }
  .partner-stats { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 40px; }
  .ps-card { border: 1px solid rgba(79,184,232,0.2); }
  .ps-num { font-family: 'Fraunces', serif; font-size: 44px; font-weight: 500; color: var(--brand); line-height: 1; margin-bottom: 8px; }
  .ps-label { font-size: 13px; color: var(--gray-700); font-weight: 500; }
  .partner-list { list-style: none; display: flex; flex-direction: column; gap: 14px; margin: 28px 0 36px; }
  .partner-list li { display: flex; align-items: flex-start; gap: 12px; font-size: 15px; color: var(--ink); line-height: 1.5; }
  .partner-list li .check {
    flex-shrink: 0; width: 22px; height: 22px; background: var(--brand);
    color: var(--white); border-radius: 50%; display: flex;
    align-items: center; justify-content: center;
    font-size: 12px; font-weight: 900; margin-top: 1px;
  }
  .partner-form {
    max-height: 0; opacity: 0; overflow: hidden;
    transition: max-height 0.4s ease, opacity 0.25s ease, margin 0.25s ease;
    margin-top: 0;
  }
  .partner-form.open { max-height: 1200px; opacity: 1; margin-top: 28px; }
  .partner-form-inner {
    background: var(--white); border: 1px solid rgba(79,184,232,0.25);
    border-radius: 20px; padding: 24px;
    box-shadow: 0 18px 42px rgba(79,184,232,0.12);
  }
  .partner-form-title {
    font-family: 'Fraunces', serif; font-size: 24px; font-weight: 500;
    color: var(--ink); margin-bottom: 6px;
  }
  .partner-form-sub { font-size: 13px; line-height: 1.55; color: var(--gray-700); margin-bottom: 18px; }
  .partner-form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
  .partner-form-grid .full { grid-column: 1 / -1; }
  .partner-form textarea { min-height: 96px; resize: vertical; }
  .partner-form .calc-row { margin-bottom: 0; }
  .partner-form .calc-input { font-family: 'Manrope', sans-serif; font-size: 14px; }
  .partner-form-submit { margin-top: 16px; border-radius: 12px; justify-content: center; width: 100%; }
  .partner-form select.calc-input { appearance: none; -webkit-appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='16' height='16' viewBox='0 0 24 24' fill='none'%3E%3Cpath d='M6 9l6 6 6-6' stroke='%238a94a5' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right 16px center; padding-right: 44px; cursor: pointer; }
  .partner-form select.calc-input:focus { border-color: var(--brand); outline: none; box-shadow: 0 0 0 3px rgba(79,184,232,0.15); }
  .partner-form-thanks-msg { font-family: 'Fraunces', serif; font-size: 22px; font-weight: 500; color: var(--success); text-align: center; padding: 24px 0 8px; }

  .testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 56px; }
  .testi-card { background: var(--gray-50); }
  .testi-card:hover { background: var(--white); box-shadow: 0 20px 40px rgba(10,18,32,0.06); }
  .testi-stars { color: var(--brand); font-size: 16px; margin-bottom: 16px; letter-spacing: 2px; }
  .testi-text { font-family: 'Fraunces', serif; font-size: 17px; line-height: 1.5; color: var(--ink); margin-bottom: 28px; font-weight: 400; }
  .testi-author { display: flex; align-items: center; gap: 14px; padding-top: 24px; border-top: 1px solid var(--gray-200); }
  .testi-avatar {
    width: 44px; height: 44px; border-radius: 50%;
    background: linear-gradient(135deg, var(--brand), var(--brand-dark));
    display: flex; align-items: center; justify-content: center;
    font-family: 'Fraunces', serif; font-size: 18px; font-weight: 600; color: var(--white);
  }
  .testi-name { font-size: 15px; font-weight: 700; color: var(--ink); }
  .testi-loc { font-size: 12px; color: var(--gray-500); margin-top: 2px; }

  #coverage { background: var(--ink); color: var(--white); text-align: center; }
  #coverage .section-title { color: var(--white); }
  #coverage .section-desc { color: rgba(255,255,255,0.6); margin: 0 auto; text-align: center; }
  .coverage-inner { max-width: 900px; margin: 0 auto; }
  .state-chips { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 48px; }
  .state-chip {
    padding: 10px 20px; border: 1px solid rgba(255,255,255,0.15);
    border-radius: 999px; font-size: 13px; font-weight: 600;
    color: rgba(255,255,255,0.65); transition: all 0.2s; cursor: default;
    background: rgba(255,255,255,0.03);
  }
  .state-chip.active { border-color: var(--brand); color: var(--white); background: rgba(79,184,232,0.18); }
  .state-chip:hover { border-color: var(--brand); color: var(--brand); background: rgba(79,184,232,0.1); transform: translateY(-2px); }

  #cta-banner { background: var(--white); padding: 120px 56px; }
  .cta-inner {
    max-width: 1000px; margin: 0 auto;
    background: linear-gradient(135deg, var(--brand) 0%, #38a4d4 100%);
    border-radius: 32px; padding: 80px 60px; text-align: center;
    color: var(--white); position: relative; overflow: hidden;
    box-shadow: 0 40px 80px rgba(79,184,232,0.3);
  }
  .cta-inner::before {
    content: ''; position: absolute; top: -100px; left: -100px;
    width: 300px; height: 300px; border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.2);
  }
  .cta-inner::after {
    content: ''; position: absolute; bottom: -100px; right: -100px;
    width: 400px; height: 400px; border-radius: 50%;
    border: 1px solid rgba(255,255,255,0.15);
  }
  .cta-heading {
    font-family: 'Fraunces', serif; font-size: clamp(36px, 4.5vw, 56px);
    font-weight: 400; line-height: 1.05; margin-bottom: 20px;
    letter-spacing: -0.02em; position: relative; z-index: 2;
  }
  .cta-heading em { font-style: italic; font-weight: 500; }
  .cta-sub { font-size: 18px; color: rgba(255,255,255,0.85); margin-bottom: 40px; line-height: 1.5; position: relative; z-index: 2; }
  .btn-cta-dark { background: var(--white); color: var(--ink); padding: 18px 40px; position: relative; z-index: 2; }
  .btn-cta-dark:hover { background: var(--ink); color: var(--white); transform: translateY(-2px); box-shadow: 0 20px 40px rgba(10,18,32,0.3); }
  .cta-contact { margin-top: 28px; font-size: 13px; color: rgba(255,255,255,0.7); position: relative; z-index: 2; }

  footer { background: var(--ink); color: var(--white); padding: 72px 56px 36px; }
  .footer-inner { max-width: 1400px; margin: 0 auto; }
  .footer-top { display: grid; grid-template-columns: 2fr repeat(4, 1fr); gap: 40px; margin-bottom: 48px; }
  .footer-tagline { font-size: 14px; line-height: 1.65; color: rgba(255,255,255,0.55); max-width: 280px; margin-top: 20px; margin-bottom: 24px; }
  .footer-contact-item { display: flex; align-items: center; gap: 10px; font-size: 14px; color: rgba(255,255,255,0.55); margin-bottom: 10px; text-decoration: none; transition: color 0.2s; }
  .footer-contact-item:hover { color: var(--brand); }
  .footer-col-title { font-size: 12px; font-weight: 700; letter-spacing: 0.12em; text-transform: uppercase; color: var(--brand); margin-bottom: 20px; }
  .footer-links { list-style: none; display: flex; flex-direction: column; gap: 12px; }
  .footer-links a { font-size: 14px; color: rgba(255,255,255,0.55); text-decoration: none; transition: color 0.2s; }
  .footer-links a:hover { color: var(--white); }
  .footer-bottom { display: flex; justify-content: space-between; align-items: flex-start; gap: 40px; padding-top: 32px; border-top: 1px solid rgba(255,255,255,0.1); }
  .footer-bottom-left { display: flex; flex-direction: column; gap: 18px; max-width: 760px; }
  .footer-compliance { display: flex; align-items: center; flex-wrap: wrap; gap: 16px 22px; }
  .equal-housing {
    display: inline-flex; align-items: center; gap: 10px;
    color: rgba(255,255,255,0.7); font-size: 12px; font-weight: 700;
    letter-spacing: 0.08em; text-transform: uppercase;
  }
  .equal-housing-logo { display: block; width: 128px; max-width: 100%; height: auto; opacity: 0.92; }
  .nmls-access { color: rgba(255,255,255,0.55); font-size: 13px; font-weight: 600; text-decoration: none; transition: color 0.2s; }
  .nmls-access:hover { color: var(--brand); }
  .footer-legal { font-size: 12px; color: rgba(255,255,255,0.3); line-height: 1.7; max-width: 720px; }
  .footer-nmls { font-family: 'JetBrains Mono', monospace; font-size: 11px; color: rgba(255,255,255,0.3); text-align: right; line-height: 1.8; flex-shrink: 0; }
  .disclaimer-modal {
    position: fixed; inset: 0; z-index: 300;
    display: none; align-items: center; justify-content: center;
    padding: 24px; background: rgba(10,18,32,0.68);
    backdrop-filter: blur(10px);
  }
  .disclaimer-modal.open { display: flex; }
  .disclaimer-panel {
    width: min(820px, 100%); max-height: min(760px, 86vh);
    overflow: auto; background: var(--white); color: var(--ink);
    border-radius: 8px; box-shadow: 0 28px 80px rgba(0,0,0,0.35);
  }
  .disclaimer-header {
    position: sticky; top: 0; z-index: 1;
    display: flex; align-items: center; justify-content: space-between; gap: 20px;
    padding: 22px 26px; background: var(--white);
    border-bottom: 1px solid var(--gray-200);
  }
  .disclaimer-header h2 { font-family: 'Fraunces', serif; font-size: 30px; font-weight: 500; line-height: 1.1; }
  .disclaimer-close {
    border: 1px solid var(--gray-300); background: var(--white); color: var(--ink);
    border-radius: 8px; width: 38px; height: 38px;
    font-size: 24px; line-height: 1; cursor: pointer;
  }
  .disclaimer-close:hover { border-color: var(--brand); color: var(--brand); }
  .disclaimer-body { padding: 28px 26px 34px; }
  .disclaimer-body h3 {
    font-size: 13px; font-weight: 800; letter-spacing: 0.12em;
    text-transform: uppercase; color: var(--brand-dark);
    margin: 26px 0 10px;
  }
  .disclaimer-body h3:first-child { margin-top: 0; }
  .disclaimer-body p, .disclaimer-body li {
    font-size: 14px; line-height: 1.75; color: var(--gray-700);
  }
  .disclaimer-body a { color: var(--brand-dark); font-weight: 700; text-decoration: none; }
  .disclaimer-body a:hover { text-decoration: underline; }
  .disclaimer-body p + p { margin-top: 16px; }
  .disclaimer-body ul { margin: 12px 0 0 20px; display: grid; gap: 10px; }
  .disclaimer-body nav {
    position: static; height: auto; padding: 0;
    display: block; background: transparent; border: 0;
    backdrop-filter: none;
  }

  @keyframes fadeUp { from { opacity: 0; transform: translateY(24px); } to { opacity: 1; transform: translateY(0); } }
  .fade-up { opacity: 0; animation: fadeUp 0.8s cubic-bezier(0.2, 0.8, 0.2, 1) forwards; }
  .d1 { animation-delay: 0.1s; }
  .d2 { animation-delay: 0.2s; }
  .d3 { animation-delay: 0.35s; }
  .d4 { animation-delay: 0.5s; }

  @media (max-width: 1024px) {
    html { overflow-x: hidden; }
    #hero::after, #partners::before, #loan-officers::before, .cta-inner::before, .cta-inner::after { display: none; }
    .hero-grid, .process-layout, .calc-layout, .partner-layout, .programs-header { grid-template-columns: 1fr; gap: 40px; }
    #loan-officers .partner-layout > div:first-child { order: 2; }
    #loan-officers .partner-layout > div:last-child { order: 1; }
    .programs-grid, .testi-grid, .stats-inner, .footer-top { grid-template-columns: repeat(2, 1fr); }
    .team-row { gap: 32px 28px; }
    .team-member { width: 116px; }
    .team-photo { width: 104px; height: 104px; }
    nav { padding: 0 24px; }
    section, .stats-strip, footer, #cta-banner, #hero { padding-left: 24px; padding-right: 24px; }
    .nav-links { display: none; }
    .nav-cta { display: none; }
    .nav-toggle { display: inline-flex; }
    .stat-float { left: 20px; bottom: -60px; }
    section { padding-top: 80px; padding-bottom: 80px; }
    #cta-banner { padding-top: 80px; padding-bottom: 80px; }
    .stats-strip { padding-top: 40px; padding-bottom: 40px; }
    .process-visual, .calc-result, .calc-form { padding: 32px; }
    .process-visual, .calc-result { position: static; }
    .footer-top { gap: 32px; }
    .footer-top > div:first-child { grid-column: 1 / -1; }
    .content-main { padding: 120px 24px 72px; }
    .content-panel { padding: 32px; }
  }
  @media (max-width: 768px) {
    .why-grid { grid-template-columns: repeat(2, 1fr); gap: 12px; }
    .why-card { padding: 16px 18px !important; border-radius: 14px; background: var(--gray-100); border-color: transparent; }
    .why-card .why-icon { display: none; }
    .why-card .why-title { font-family: 'Manrope', sans-serif; font-size: 15px; font-weight: 700; margin-bottom: 4px; }
    .why-card .why-text { font-size: 13px; line-height: 1.4; margin-bottom: 0; }
    .why-text-long { display: none; }
    .why-text-short { display: inline; }
    .team-row { display: grid; grid-template-columns: repeat(2, 1fr); justify-items: center; gap: 28px 24px; margin: 36px auto 40px; }
    .team-member { width: 100%; max-width: 140px; }
    .team-photo { width: 88px; height: 88px; border-width: 3px; }
    .team-photo-placeholder svg { width: 42px; height: 42px; }
    .team-name { font-size: 16px; }
    .team-title { font-size: 12px; }
  }
  @media (max-width: 680px) {
    nav { height: 70px; }
    .mobile-menu { top: 70px; }
    .brand-word { display: none; }
    .brand-logo-img { width: 190px; max-width: 52vw; }
    #hero { padding-top: 100px; padding-bottom: 64px; }
    .hero-h1 { font-size: 44px; }
    .hero-sub { font-size: 16px; margin-bottom: 32px; }
    .hero-actions { gap: 12px; margin-bottom: 36px; }
    .btn-primary, .btn-cta-dark, .btn-ghost { padding: 14px 24px; font-size: 14px; }
    .hero-trust { gap: 16px; }
    .hero-blob { display: none; }
    .stat-float {
      position: static; transform: none; margin: 24px auto 0;
      display: inline-block; padding: 14px 20px;
    }
    .stat-float-num { font-size: 26px; }
    .hero-visual { display: flex; flex-direction: column; align-items: center; }
    .rate-card-main { padding: 24px; width: 100%; }
    section { padding-top: 64px; padding-bottom: 64px; }
    #cta-banner { padding-top: 64px; padding-bottom: 64px; }
    .programs-grid, .testi-grid, .stats-inner, .footer-top, .partner-stats { grid-template-columns: 1fr; }
    .partner-form-grid { grid-template-columns: 1fr; }
    .footer-bottom { flex-direction: column; }
    .footer-nmls { text-align: left; }
    .cta-inner { padding: 48px 24px; border-radius: 24px; }
    .cta-sub { font-size: 16px; margin-bottom: 28px; }
    .cta-contact { font-size: 12px; line-height: 1.6; }
    .calc-res-payment { font-size: 44px; }
    .calc-form, .calc-result { padding: 24px; border-radius: 20px; }
    .calc-row { margin-bottom: 22px; }
    .calc-input { padding: 14px 16px; font-size: 16px; }
    .term-btn { padding: 12px; font-size: 13px; }
    .process-visual { padding: 28px; border-radius: 20px; }
    .process-step { grid-template-columns: 48px 1fr; gap: 16px; padding: 22px 0; }
    .step-num { font-size: 30px; }
    .step-title { font-size: 20px; }
    .step-text { font-size: 14px; }
    .program-card, .testi-card, .ps-card { padding: 24px; }
    .program-name { font-size: 20px; }
    .programs-header { gap: 24px; margin-bottom: 32px; }
    .programs-header .section-desc { padding-bottom: 0 !important; }
    .partner-form-inner { padding: 20px; }
    .partner-form-title { font-size: 20px; }
    .partner-stats { gap: 12px; }
    .ps-num { font-size: 36px; }
    .state-chips { gap: 8px; margin-top: 32px; }
    .state-chip { padding: 8px 14px; font-size: 12px; }
    footer { padding: 56px 24px 28px; }
    .footer-top { gap: 28px; margin-bottom: 36px; }
    .footer-top > div:first-child { grid-column: auto; }
    .content-main { padding: 100px 20px 64px; }
    .content-panel { padding: 24px; }
    .content-panel h1 { font-size: 36px; }
    .content-panel h2 { font-size: 22px; margin: 28px 0 10px; }
    .sitemap-grid { grid-template-columns: 1fr !important; }
  }
  @media (max-width: 380px) {
    nav { padding: 0 16px; }
    section, .stats-strip, footer, #cta-banner, #hero { padding-left: 16px; padding-right: 16px; }
    .hero-h1 { font-size: 38px; }
    .hero-actions { flex-direction: column; align-items: stretch; }
    .hero-actions .btn-primary, .hero-actions .btn-ghost { justify-content: center; width: 100%; }
    .calc-res-payment { font-size: 38px; }
    .section-title { font-size: 32px; }
    .cta-heading { font-size: 32px; }
  }

.content-page {
  background: var(--gray-50);
}
.content-main {
  padding: 140px 56px 96px;
}
.content-main .section-container {
  max-width: 980px;
}
.content-panel {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 8px;
  padding: 48px;
  box-shadow: 0 18px 42px rgba(10,18,32,0.06);
}
.content-panel h1 {
  font-family: 'Fraunces', serif;
  font-size: clamp(40px, 5vw, 58px);
  font-weight: 400;
  line-height: 1.05;
  letter-spacing: -0.02em;
  margin-bottom: 24px;
}
.content-panel h2 {
  font-family: 'Fraunces', serif;
  font-size: 28px;
  font-weight: 500;
  margin: 36px 0 12px;
}
.content-panel p,
.content-panel li {
  font-size: 15px;
  line-height: 1.75;
  color: var(--gray-700);
}
.content-panel p + p {
  margin-top: 16px;
}
.content-panel ul {
  margin: 12px 0 0 22px;
  display: grid;
  gap: 10px;
}
.content-panel a {
  color: var(--brand-dark);
  font-weight: 700;
  text-decoration: none;
}
.content-panel a:hover {
  text-decoration: underline;
}
.sitemap-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 32px;
  margin-top: 24px;
}
.sitemap-grid section {
  padding: 0;
}
@media (max-width: 680px) {
  .sitemap-grid { grid-template-columns: 1fr; }
}

/* Program social proof strip */
.prog-social-proof { padding: 56px 24px; background: var(--gray-50, #f7f7f8); }
.prog-social-proof-inner {
  max-width: 980px; margin: 0 auto;
  display: flex; align-items: center; justify-content: center;
  gap: 28px; flex-wrap: wrap;
  padding: 28px 32px;
  background: #fff;
  border: 1px solid var(--gray-200, #e6e7eb);
  border-radius: 16px;
  box-shadow: 0 4px 24px rgba(15, 23, 42, 0.04);
  text-align: left;
}
.prog-social-proof .avatar-stack { flex-shrink: 0; }
.prog-social-proof .avatar-stack .avatar {
  width: 48px; height: 48px; font-size: 14px;
  border: 3px solid #fff;
  margin-left: -12px;
  display: inline-flex; align-items: center; justify-content: center;
  border-radius: 50%; color: #fff; font-weight: 700;
  background: linear-gradient(135deg, var(--brand), var(--brand-dark));
  text-decoration: none;
}
.prog-social-proof .avatar-stack .avatar:first-child { margin-left: 0; }
.prog-social-proof .avatar-stack .avatar:nth-child(2) { background: linear-gradient(135deg, #f4a261, #e76f51); }
.prog-social-proof .avatar-stack .avatar:nth-child(3) { background: linear-gradient(135deg, #6fcf97, #27b97a); }
.prog-social-proof .avatar-stack .avatar:nth-child(4) { background: linear-gradient(135deg, #a78bfa, #7c3aed); }
.prog-social-proof .avatar-stack .avatar:nth-child(5) { background: linear-gradient(135deg, #60a5fa, #2563eb); }
.prog-social-proof .avatar-stack .avatar.avatar-photo { padding: 0; overflow: hidden; background: var(--gray-200, #e6e7eb); }
.prog-social-proof .avatar-stack .avatar.avatar-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.prog-social-proof-copy { flex: 1 1 320px; min-width: 0; }
.prog-social-proof-eyebrow { font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--brand-dark, #1d4ed8); font-weight: 700; margin-bottom: 4px; }
.prog-social-proof-title { font-family: var(--font-display, "Fraunces", serif); font-size: 22px; line-height: 1.25; color: var(--ink, #0f172a); margin: 0 0 6px; }
.prog-social-proof-rating { font-size: 14px; color: var(--gray-700, #475569); margin-bottom: 4px; }
.prog-social-proof-rating strong { color: var(--ink, #0f172a); }
.prog-social-proof-names { font-size: 13px; color: var(--gray-700, #475569); }
.prog-social-proof-names strong { color: var(--ink, #0f172a); font-weight: 600; }
.prog-social-proof-cta { font-size: 13px; font-weight: 600; color: var(--brand-dark, #1d4ed8); text-decoration: none; white-space: nowrap; }
.prog-social-proof-cta:hover { text-decoration: underline; }
@media (max-width: 640px) {
  .prog-social-proof { padding: 40px 16px; }
  .prog-social-proof-inner { flex-direction: column; align-items: flex-start; padding: 20px; gap: 16px; }
  .prog-social-proof-title { font-size: 19px; }
}