/* Team Kristen — brand tokens. Brand-portable: no lender colors. */
:root{
  --ink:#14262B;          /* deep Sound */
  --paper:#F7F9F8;        /* cool off-white */
  --fir:#1F5C4E;          /* evergreen primary */
  --fir-deep:#163F36;
  --glacier:#D8E7E6;      /* pale tint */
  --porch:#F2B630;        /* porch light: CTAs only */
  --porch-deep:#D99A12;
  --slate:#55666B;        /* muted text */
  --line:#C9D6D4;
  --white:#FFFFFF;
  --danger:#A3312A;
  --ok:#1F6B45;

  --f-display:"Newsreader", Georgia, "Times New Roman", serif;
  --f-body:"Public Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;

  --s-1:.25rem; --s-2:.5rem; --s-3:.75rem; --s-4:1rem; --s-5:1.5rem; --s-6:2rem; --s-7:3rem; --s-8:4.5rem; --s-9:6.5rem;
  --r-sm:6px; --r-md:12px; --r-lg:22px;
  --measure:68ch;
  --wrap:1180px;
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font:400 1.0625rem/1.65 var(--f-body);text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--fir);text-underline-offset:.18em;text-decoration-thickness:1px}
a:hover{color:var(--fir-deep);text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--porch-deep);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:.6rem 1rem;z-index:99}
.skip:focus{left:1rem}

h1,h2,h3,h4{font-family:var(--f-display);font-weight:500;line-height:1.12;letter-spacing:-.01em;margin:0 0 var(--s-4);color:var(--ink)}
h1{font-size:clamp(2.35rem,5.4vw,4.25rem);font-weight:400;letter-spacing:-.02em}
h2{font-size:clamp(1.75rem,3.2vw,2.6rem)}
h3{font-size:1.4rem}
h4{font-size:1.15rem}
p{margin:0 0 var(--s-4);max-width:var(--measure)}
.lede{font-size:1.25rem;line-height:1.55;color:var(--slate)}
.muted{color:var(--slate)}
.small{font-size:.875rem}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 clamp(16px,4vw,40px)}
section{padding:var(--s-8) 0}
.band-fir{background:var(--fir);color:#EAF2F0}
.band-fir h2,.band-fir h3{color:#fff}
.band-fir a{color:#fff}
.band-glacier{background:var(--glacier)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:600 1rem/1 var(--f-body);padding:1rem 1.4rem;border-radius:999px;border:2px solid transparent;text-decoration:none;cursor:pointer;min-height:48px}
.btn-porch{background:var(--porch);color:var(--ink)}
.btn-porch:hover{background:var(--porch-deep);color:var(--ink)}
.btn-line{border-color:currentColor;color:var(--fir);background:transparent}
.band-fir .btn-line{color:#fff}
.btn-line:hover{background:rgba(31,92,78,.08)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(247,249,248,.94);backdrop-filter:saturate(1.3) blur(8px);border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:104px}
.brand{display:flex;align-items:center;gap:.8rem;text-decoration:none;color:var(--ink)}
.brand-mark{width:46px;height:46px;flex:none;border-radius:13px;box-shadow:0 6px 14px -8px rgba(20,38,43,.6)}
.brand-text{display:flex;flex-direction:column;line-height:1}
.brand-name{font-family:var(--f-display);font-size:1.95rem;font-weight:500;letter-spacing:-.025em;line-height:.95}
.brand-aff{font-family:var(--f-body);font-size:.72rem;font-weight:600;letter-spacing:.02em;color:var(--fir);margin-top:.35rem;padding-top:.3rem;border-top:2px solid var(--porch);align-self:flex-start}
.brand:hover .brand-name{color:var(--fir)}
.brand-foot{margin-bottom:1rem}
.brand-foot .brand-name{color:#fff;font-size:1.75rem}
@media (max-width:480px){.brand-name{font-size:1.6rem}.brand-mark{width:40px;height:40px}}
.nav{display:flex;align-items:center;gap:1.4rem}
.nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.98rem}
.nav a:hover{color:var(--fir)}
.nav .btn{padding:.75rem 1.1rem;min-height:44px}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:var(--r-sm);padding:.5rem .7rem;font:600 .95rem var(--f-body);color:var(--ink)}
@media (max-width:960px){
  .nav-toggle{display:inline-block}
  .nav{display:none;position:absolute;left:0;right:0;top:104px;background:var(--paper);flex-direction:column;align-items:flex-start;padding:1rem clamp(16px,4vw,40px) 1.5rem;border-bottom:1px solid var(--line);gap:1rem}
  .nav.open{display:flex}
}

/* Hero */
.hero{padding:var(--s-8) 0 var(--s-7)}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:clamp(2rem,5vw,4.5rem);align-items:start}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}}
.hero h1{max-width:16ch}
.hero .lede{max-width:52ch}
.idline{font-size:.95rem;color:var(--slate);border-left:3px solid var(--porch);padding-left:.8rem;margin-top:var(--s-5)}

/* Role picker = the funnel's front door */
.picker{background:var(--white);border:1px solid var(--line);border-radius:var(--r-lg);padding:var(--s-5);box-shadow:0 18px 40px -24px rgba(20,38,43,.35)}
.picker h2{font-size:1.5rem;margin-bottom:var(--s-3)}
.picker-options{display:grid;gap:.6rem}
.picker-options a{display:flex;justify-content:space-between;align-items:center;gap:1rem;padding:1rem 1.1rem;border:1px solid var(--line);border-radius:var(--r-md);text-decoration:none;color:var(--ink);font-weight:600;background:var(--paper)}
.picker-options a span{font-weight:400;color:var(--slate);font-size:.9rem}
.picker-options a:hover{border-color:var(--fir);background:#EEF5F3}

/* Generic grids/lists */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--s-6)}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--s-6)}
@media (max-width:900px){.grid-3,.grid-2{grid-template-columns:1fr}}
.program-list{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.program-list li{border-bottom:1px solid var(--line)}
.program-list a{display:grid;grid-template-columns:minmax(180px,.8fr) 2fr;gap:1.5rem;padding:1.15rem 0;text-decoration:none;color:var(--ink)}
.program-list a strong{font-family:var(--f-display);font-size:1.3rem;font-weight:500}
.program-list a:hover strong{color:var(--fir)}
@media (max-width:700px){.program-list a{grid-template-columns:1fr;gap:.3rem}}
.steps{counter-reset:step;list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:var(--s-5)}
.steps li{counter-increment:step;border-top:3px solid var(--fir);padding-top:var(--s-4)}
.steps li::before{content:counter(step);display:block;font-family:var(--f-display);font-size:2rem;color:var(--fir);margin-bottom:.3rem}
.band-fir .steps li{border-color:var(--porch)}
.band-fir .steps li::before{color:var(--porch)}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

/* Reviews: the revolving door */
.door{position:relative;background:var(--ink);color:#EAF2F0;border-radius:var(--r-lg);padding:clamp(2rem,5vw,4rem);overflow:hidden;min-height:340px}
.door::before{content:"";position:absolute;right:-120px;top:-120px;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(242,182,48,.38),rgba(242,182,48,0) 65%);pointer-events:none}
.door-quote{font-family:var(--f-display);font-style:italic;font-size:clamp(1.35rem,2.6vw,2rem);line-height:1.35;max-width:46ch;margin:0 0 1.5rem;color:#fff}
.door-meta{display:flex;flex-wrap:wrap;align-items:center;gap:.4rem 1rem;color:#BFD3CF;font-size:.95rem}
.stars{color:var(--porch);letter-spacing:2px;font-size:1.05rem}
.door-slide{transition:opacity .45s ease}
.door-slide[hidden]{display:block!important;position:absolute;inset:clamp(2rem,5vw,4rem);opacity:0;pointer-events:none;visibility:hidden}
.door-controls{display:flex;gap:.6rem;margin-top:2rem;align-items:center}
.door-controls button{background:transparent;border:1px solid rgba(255,255,255,.4);color:#fff;border-radius:999px;width:44px;height:44px;font-size:1.1rem;cursor:pointer}
.door-controls button:hover{border-color:var(--porch);color:var(--porch)}
.door-count{font-size:.85rem;color:#BFD3CF;margin-left:.4rem}
.door-empty p{color:#EAF2F0}
.source-tag{border:1px solid rgba(255,255,255,.3);border-radius:999px;padding:.1rem .6rem;font-size:.8rem}
.review-list{display:grid;gap:var(--s-5)}
.review-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:var(--s-5)}
.review-card blockquote{margin:.5rem 0 .75rem;font-family:var(--f-display);font-size:1.15rem;line-height:1.5}
.review-card .stars{color:var(--porch-deep)}

/* Forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(1.25rem,3vw,2.25rem)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1rem 1.1rem}
.form-grid .full{grid-column:1/-1}
@media (max-width:620px){.form-grid{grid-template-columns:1fr}}
label{display:block;font-weight:600;font-size:.95rem;margin-bottom:.35rem}
.hint{font-weight:400;color:var(--slate);font-size:.85rem}
input,select,textarea{width:100%;font:400 1rem/1.4 var(--f-body);color:var(--ink);background:var(--paper);border:1px solid #AFC0BD;border-radius:var(--r-sm);padding:.8rem .85rem;min-height:48px}
textarea{min-height:130px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(242,182,48,.6);border-color:var(--fir)}
fieldset{border:0;padding:0;margin:0}
legend{font-weight:600;font-size:.95rem;margin-bottom:.5rem}
.chips{display:flex;flex-wrap:wrap;gap:.5rem}
.chips label{font-weight:500;display:inline-flex;align-items:center;gap:.45rem;border:1px solid #AFC0BD;border-radius:999px;padding:.55rem .95rem;cursor:pointer;margin:0;background:var(--paper)}
.chips input{width:auto;min-height:0;accent-color:var(--fir)}
.chips label:has(input:checked){border-color:var(--fir);background:#E3EFEC}
.check{display:flex;gap:.6rem;align-items:flex-start;font-weight:400;font-size:.88rem;color:var(--slate)}
.check input{width:20px;height:20px;min-height:0;margin-top:2px;accent-color:var(--fir);flex:none}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.form-status{margin-top:1rem;font-weight:600}
.form-status.err{color:var(--danger)}
.form-status.ok{color:var(--ok)}
.star-input{display:flex;flex-direction:row-reverse;justify-content:flex-end;gap:.25rem}
.star-input input{position:absolute;opacity:0;width:1px;height:1px}
.star-input label{font-size:2rem;color:#C2CCCA;cursor:pointer;margin:0;line-height:1}
.star-input input:checked ~ label,.star-input label:hover,.star-input label:hover ~ label{color:var(--porch-deep)}
.star-input input:focus-visible + label{outline:3px solid var(--porch-deep);border-radius:4px}

/* Content pages */
.page-head{padding:var(--s-7) 0 var(--s-6);border-bottom:1px solid var(--line)}
.crumbs{font-size:.88rem;color:var(--slate);margin-bottom:var(--s-4)}
.crumbs a{color:var(--slate)}
.prose h2{margin-top:var(--s-7)}
.prose h3{margin-top:var(--s-6)}
.prose ul,.prose ol{max-width:var(--measure);padding-left:1.2rem}
.prose li{margin-bottom:.45rem}
.answer{background:var(--glacier);border-radius:var(--r-md);padding:var(--s-5);max-width:var(--measure);margin-bottom:var(--s-6)}
.answer p:last-child{margin-bottom:0}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:clamp(2rem,5vw,4rem);align-items:start}
.content-grid aside{position:sticky;top:96px}
@media (max-width:980px){.content-grid{grid-template-columns:1fr}.content-grid aside{position:static}}
table{border-collapse:collapse;width:100%;font-size:.97rem;background:#fff}
th,td{text-align:left;padding:.7rem .8rem;border-bottom:1px solid var(--line)}
th{font-weight:600;background:#EEF4F3}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r-md)}
details{border-bottom:1px solid var(--line);padding:1rem 0;max-width:var(--measure)}
details summary{cursor:pointer;font-weight:600;font-size:1.08rem;list-style:none;display:flex;justify-content:space-between;gap:1rem}
details summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--fir)}
details[open] summary::after{content:"−"}
details p{margin-top:.75rem}
.county-index{columns:4 180px;column-gap:2rem;list-style:none;padding:0}
.county-index li{break-inside:avoid;padding:.3rem 0}
.notice{border-left:4px solid var(--porch);background:#FFF8E6;padding:1rem 1.2rem;border-radius:0 var(--r-sm) var(--r-sm) 0;max-width:var(--measure)}
.calc-out{font-family:var(--f-display);font-size:2.6rem;color:var(--fir);margin:.2rem 0}
.kv{display:grid;grid-template-columns:1fr auto;gap:.35rem 1rem;max-width:420px}

/* Footer */
.site-footer{background:var(--ink);color:#C8D6D3;padding:var(--s-8) 0 var(--s-6);font-size:.93rem}
.site-footer a{color:#fff}
.site-footer h3{color:#fff;font-size:1.15rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:var(--s-6)}
.foot-grid ul{list-style:none;padding:0;margin:0}
.foot-grid li{margin-bottom:.4rem}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.foot-grid{grid-template-columns:1fr}}
.compliance{border-top:1px solid rgba(255,255,255,.15);margin-top:var(--s-7);padding-top:var(--s-5);font-size:.82rem;line-height:1.6;color:#A9BBB7}
.compliance p{max-width:none}
.eho{display:inline-flex;align-items:center;gap:.4rem;font-weight:600;color:#fff}

/* Sticky mobile CTA */
.mobile-cta{display:none}
@media (max-width:700px){
  .mobile-cta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;gap:.5rem;padding:.6rem 16px calc(.6rem + env(safe-area-inset-bottom));background:rgba(247,249,248,.97);border-top:1px solid var(--line)}
  .mobile-cta .btn{flex:1;padding:.85rem .5rem}
  body{padding-bottom:76px}
}

/* Portrait + About */
.idline{display:flex;gap:.85rem;align-items:center}
.idline p{margin:0}
.avatar{width:56px;height:56px;border-radius:50%;object-fit:cover;object-position:50% 20%;flex:none;border:2px solid #fff;box-shadow:0 0 0 2px var(--porch)}
.portrait{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:50% 25%;border-radius:var(--r-lg);background:var(--glacier)}
.portrait-fallback,.avatar.portrait-fallback{display:flex;align-items:center;justify-content:center;background:var(--fir);color:#fff;font-family:var(--f-display)}
.portrait.portrait-fallback span{font-size:clamp(4rem,10vw,7rem);letter-spacing:-.02em}
.avatar.portrait-fallback span{font-size:1.2rem}
.about-grid{display:grid;grid-template-columns:minmax(220px,.8fr) 1.4fr;gap:clamp(1.75rem,5vw,4.5rem);align-items:center}
.prose .about-grid{grid-template-columns:minmax(180px,.75fr) 1.25fr;align-items:start;margin-bottom:var(--s-6)}
@media (max-width:820px){.about-grid,.prose .about-grid{grid-template-columns:1fr}.about-photo{max-width:340px}}
.about-photo{margin:0;position:relative}
.about-photo figcaption{margin-top:.9rem;font-size:.95rem;line-height:1.5}

.checks{list-style:none;padding:0;margin:0 0 var(--s-5)}
.checks li{padding-left:1.7rem;position:relative;margin-bottom:.5rem}
.checks li::before{content:"";position:absolute;left:0;top:.5em;width:.75rem;height:.4rem;border-left:2px solid var(--fir);border-bottom:2px solid var(--fir);transform:rotate(-45deg)}
.about-ctas{display:flex;flex-wrap:wrap;gap:.6rem}

/* Calculator suite */
.calc-suite{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden}
.calc-tabs{display:flex;gap:.25rem;padding:.6rem;background:var(--paper);border-bottom:1px solid var(--line);overflow-x:auto}
.calc-tabs button{flex:none;border:0;background:transparent;border-radius:999px;padding:.65rem 1.1rem;font:600 .97rem var(--f-body);color:var(--slate);cursor:pointer;min-height:44px}
.calc-tabs button[aria-selected=true]{background:var(--fir);color:#fff}
.calc-panel{display:grid;grid-template-columns:1.35fr 1fr}
.calc-panel[hidden]{display:none}
@media (max-width:860px){.calc-panel{grid-template-columns:1fr}}
.calc-form{padding:clamp(1.25rem,3vw,2rem)}
.calc-form h3{margin-bottom:1rem}
.calc-result{background:var(--ink);color:#DDE8E6;padding:clamp(1.25rem,3vw,2rem);display:flex;flex-direction:column;justify-content:center}
.calc-label{margin:0;color:#A9BEB9;font-size:.95rem}
.calc-result .calc-out{color:var(--porch);font-size:clamp(2.3rem,5vw,3.2rem);line-height:1.1;margin:.2rem 0 1.25rem}
.calc-result .kv{gap:.55rem 1rem;max-width:none}
.calc-result .kv span{color:#BCCDC9}
.calc-result .kv strong{color:#fff;text-align:right}
.calc-msg{margin:1rem 0 0;color:#fff;font-size:.95rem;min-height:1.2em}
.calc-note{padding:0 clamp(1.25rem,3vw,2rem);margin:1rem 0}

/* Company badge (footer) */
.company-badge{margin-top:var(--s-7);display:flex;flex-wrap:wrap;align-items:center;gap:1.25rem 2.5rem;background:#fff;color:var(--ink);border-radius:var(--r-md);padding:1.1rem 1.5rem}
.company-badge a{color:var(--fir)}
.cb-logo img{height:52px;width:auto;max-width:240px;object-fit:contain}
.cb-ids{display:flex;flex-wrap:wrap;gap:.5rem 2.25rem;font-size:.9rem;line-height:1.45}
.cb-ids p{margin:0}

/* Logo image */
.brand-img img{height:86px;width:auto;display:block}
@media (max-width:480px){.brand-img img{height:62px}}
.brand-foot{margin:0 0 1rem}
.brand-foot img{height:80px;width:auto}