/* Self-hosted font assets; licenses in /fonts/. */
@font-face {
  font-family: 'Inter';
  font-style: normal;
  font-weight: 400 700;
  font-display: swap;
  src: url(/fonts/Inter-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
@font-face {
  font-family: 'Inter Tight';
  font-style: normal;
  font-weight: 500 800;
  font-display: swap;
  src: url(/fonts/Inter-Tight-latin.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* Shawn Way Mortgage, design v3 (November 2026).
   The meetshawnway.com navy and teal, taken modern: Plus Jakarta Sans display over Inter, a deep-navy
   signature hero with soft light and a fine grid, floating proof cards, pill buttons, generous radii,
   quiet scroll reveals. Different from HELOCHQ on purpose: navy not evergreen, Jakarta not Geist. */
:root {
  --ink: #0d1b2a; --ink-2: #4a5869; --ink-3: #6f7d8d;
  --navy: #0f2f45; --navy-2: #0b2437; --navy-3: #071a29;
  --accent: #16708a; --accent-2: #0f5a70; --sky: #8fd0e0; --sky-2: #c6e8f1; --sky-soft: #eaf5f9;
  --wash: #f4f8fb; --wash-2: #eaf1f6; --line: #e2e9ef; --line-2: #ccd8e1; --paper: #fff;
  --display: "Inter Tight", "Inter", system-ui, sans-serif;
  --sans: "Inter", "Segoe UI", system-ui, -apple-system, sans-serif;
  --r: 12px; --r-lg: 20px; --r-xl: 28px; --wide: 76rem;
  --sh-1: 0 1px 2px rgba(13, 27, 42, .05), 0 1px 1px rgba(13, 27, 42, .03);
  --sh-2: 0 1px 2px rgba(13, 27, 42, .04), 0 10px 30px -12px rgba(13, 27, 42, .18);
  --sh-3: 0 2px 6px rgba(13, 27, 42, .08), 0 30px 70px -24px rgba(13, 27, 42, .45);
  --ease: cubic-bezier(.2, .7, .2, 1);
  --grad: linear-gradient(100deg, #9be0ef 0%, #d4f1f8 55%, #ffffff 100%);
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; scroll-padding-top: 96px; }
body { margin: 0; background: var(--paper); color: var(--ink); font: 400 1.0625rem/1.65 var(--sans); -webkit-font-smoothing: antialiased; -moz-osx-font-smoothing: grayscale; text-rendering: optimizeLegibility; font-feature-settings: "cv11", "ss01"; }
img, video, svg { max-width: 100%; }
img { height: auto; }
h1, h2, h3 { font-family: var(--display); font-weight: 750; color: var(--ink); margin: 0; text-wrap: balance; letter-spacing: -.03em; }
h1 { font-size: clamp(2.2rem, 1.3rem + 3vw, 3.6rem); line-height: 1.05; letter-spacing: -.038em; }
h2 { font-size: clamp(1.7rem, 1.2rem + 1.5vw, 2.5rem); line-height: 1.12; }
h3 { font-size: 1.18rem; line-height: 1.3; font-weight: 700; letter-spacing: -.018em; }
p { margin: 0; text-wrap: pretty; }
p + p { margin-top: 1em; }
a { color: var(--accent); text-decoration-thickness: 1px; text-underline-offset: 3px; text-decoration-color: color-mix(in srgb, currentColor 40%, transparent); transition: color .15s; }
a:hover { color: var(--navy); text-decoration-color: currentColor; }
:focus-visible { outline: 2px solid var(--accent); outline-offset: 3px; border-radius: 6px; }
::selection { background: var(--sky-2); }
.i { width: 1.1em; height: 1.1em; flex: none; }
.wrap { width: min(100% - 40px, var(--wide)); margin-inline: auto; }
.center { text-align: center; margin-inline: auto; }
.skip { position: absolute; left: 12px; top: -60px; background: #fff; padding: 10px 14px; z-index: 100; border-radius: var(--r); }
.skip:focus { top: 12px; }
.sr { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.eyebrow { display: inline-flex; align-items: center; gap: .55rem; font: 650 .74rem/1.3 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--accent); margin: 0 0 1rem; }
.eyebrow::before { content: ""; width: 7px; height: 7px; border-radius: 2px; background: currentColor; transform: rotate(45deg); flex: none; }
.lede { font-size: clamp(1.05rem, 1rem + .35vw, 1.22rem); line-height: 1.6; color: var(--ink-2); margin-top: 1.1rem; max-width: 44rem; }
.head.center .lede, .head.center > p:not(.eyebrow) { margin-inline: auto; }
.note { font-size: .84rem; color: var(--ink-3); margin-top: .9rem; line-height: 1.55; }
.more { display: inline-flex; align-items: center; gap: .45rem; font-weight: 650; text-decoration: none; color: var(--accent); }
.more .i { transition: transform .2s var(--ease); }
.more:hover .i { transform: translateX(4px); }

/* Buttons: pills */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .6rem; min-height: 48px; padding: .75rem 1.35rem; border-radius: 999px; border: 1px solid var(--navy); background: var(--navy); color: #fff; font: 650 .95rem/1.2 var(--sans); text-decoration: none; cursor: pointer; transition: background-color .2s, border-color .2s, transform .2s var(--ease), box-shadow .2s, color .2s; }
.btn:hover { background: var(--navy-3); border-color: var(--navy-3); color: #fff; transform: translateY(-1px); box-shadow: 0 10px 24px -10px rgba(15, 47, 69, .55); }
.btn-lg { min-height: 56px; padding: .9rem 1.6rem; font-size: 1rem; }
.btn-sm { min-height: 40px; padding: .5rem 1.05rem; font-size: .88rem; }
.btn-line { background: #fff; color: var(--navy); border-color: var(--line-2); }
.btn-line:hover { background: #fff; color: var(--navy); border-color: var(--navy); }
.btn-inv { background: #fff; color: var(--navy); border-color: #fff; }
.btn-inv:hover { background: var(--sky-2); border-color: var(--sky-2); color: var(--navy); box-shadow: 0 12px 30px -10px rgba(143, 208, 224, .5); }
.btn-ghost { background: rgba(255, 255, 255, .06); color: #fff; border-color: rgba(255, 255, 255, .28); backdrop-filter: blur(6px); }
.btn-ghost:hover { background: rgba(255, 255, 255, .12); border-color: rgba(255, 255, 255, .6); }

/* Header */
.hdr { position: sticky; top: 0; z-index: 50; background: rgba(255, 255, 255, .86); backdrop-filter: saturate(1.6) blur(14px); -webkit-backdrop-filter: saturate(1.6) blur(14px); border-bottom: 1px solid rgba(226, 233, 239, .8); }
.hdr-in { display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; min-height: 72px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--ink); }
.brand::before { content: "SW"; display: grid; place-items: center; width: 34px; height: 34px; border-radius: 10px; background: linear-gradient(140deg, #1a5a78, var(--navy) 60%); color: #fff; font: 800 .82rem/1 var(--display); letter-spacing: -.02em; box-shadow: inset 0 1px 0 rgba(255, 255, 255, .2); }
.brand-name { font: 800 1.2rem/1 var(--display); letter-spacing: -.035em; }
.brand-tag { font: 600 .62rem/1 var(--sans); letter-spacing: .2em; text-transform: uppercase; color: var(--ink-3); padding-top: 2px; }
.brand-inv { color: #fff; }
.brand-inv .brand-tag { color: var(--sky); }
.brand-inv::before { background: rgba(255, 255, 255, .12); box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .2); }
.nav { display: flex; align-items: center; gap: .3rem; font-size: .92rem; }
.nav a:not(.btn) { color: var(--ink-2); text-decoration: none; font-weight: 550; padding: .5rem .8rem; border-radius: 999px; transition: background-color .15s, color .15s; }
.nav a:not(.btn):hover, .nav a[aria-current="page"] { color: var(--ink); background: var(--wash-2); }
.nav .btn { margin-left: .5rem; }
.menu { display: none; font: 650 .9rem var(--sans); color: var(--ink); background: #fff; border: 1px solid var(--line-2); border-radius: 999px; padding: .55rem 1rem; min-height: 42px; }
.hdr-dark { background: rgba(7, 26, 41, .72); border-bottom-color: rgba(255, 255, 255, .08); }
.hdr-dark .brand { color: #fff; }
.hdr-dark .brand-tag { color: var(--sky); }
.hdr-dark .brand::before { background: rgba(255, 255, 255, .12); box-shadow: inset 0 0 0 1px rgba(255, 255, 255, .22); }
.hdr-dark .nav a:not(.btn) { color: #c8d6e1; }
.hdr-dark .nav a:not(.btn):hover, .hdr-dark .nav a[aria-current="page"] { color: #fff; background: rgba(255, 255, 255, .08); }
.hdr-dark .nav .btn { background: #fff; color: var(--navy); border-color: #fff; }
.hdr-dark .menu { background: transparent; color: #fff; border-color: rgba(255, 255, 255, .3); }

/* Breadcrumbs and page heads */
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: .35rem; margin: 0; padding: 0; font-size: .82rem; color: var(--ink-3); }
.crumbs li + li::before { content: "›"; margin-right: .35rem; color: var(--line-2); }
.crumbs a { color: var(--ink-2); text-decoration: none; }
.crumbs a:hover { color: var(--accent); }
.pg-top { background: radial-gradient(1000px 400px at 85% -20%, rgba(143, 208, 224, .28), transparent 60%), linear-gradient(180deg, var(--wash) 0%, #fff 100%); border-bottom: 1px solid var(--line); }
.pg-top > .wrap:first-child { padding-top: 1.4rem; }
.pg-head { padding: clamp(1.6rem, 4vw, 3rem) 0 clamp(2rem, 4vw, 3.2rem); }
.pg-head h1 { max-width: 22ch; }
.band { padding-block: clamp(3.5rem, 7vw, 6.5rem); position: relative; }
.band-wash { background: var(--wash); }
.band-navy { background: var(--navy-2); color: #fff; overflow: hidden; isolation: isolate; }
.band-navy h2, .band-navy h3 { color: #fff; }
.band-navy .eyebrow { color: var(--sky); }
.band-navy p { color: #b9cad8; }
.glow { position: absolute; inset: 0; z-index: -1; background: radial-gradient(700px 380px at 90% 0%, rgba(22, 112, 138, .55), transparent 65%), radial-gradient(600px 400px at 0% 100%, rgba(143, 208, 224, .14), transparent 60%); }
.head { max-width: 46rem; margin-bottom: clamp(2rem, 3.5vw, 3rem); }
.head.center { text-align: center; }
.head > p:not(.eyebrow) { color: var(--ink-2); margin-top: 1rem; font-size: 1.08rem; }
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.1rem; }
.grid-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.1rem; }

/* Cards */
.card { position: relative; display: flex; flex-direction: column; padding: 1.7rem; border: 1px solid var(--line); border-radius: var(--r-lg); background: #fff; color: var(--ink); text-decoration: none; box-shadow: var(--sh-1); transition: box-shadow .3s var(--ease), transform .3s var(--ease), border-color .3s; }
a.card:hover { box-shadow: var(--sh-2); transform: translateY(-4px); border-color: var(--line-2); color: var(--ink); }
a.card:hover .more .i { transform: translateX(4px); }
.card h3 { font-size: 1.28rem; }
.card p { color: var(--ink-2); font-size: .97rem; margin-top: .55rem; }
.card .more { margin-top: auto; padding-top: 1.2rem; font-size: .92rem; }
.card-ic .ic { display: grid; place-items: center; width: 48px; height: 48px; border-radius: 14px; background: linear-gradient(145deg, var(--sky-soft), #fff); border: 1px solid var(--sky-2); color: var(--accent); margin-bottom: 1.2rem; }
.card-ic .ic .i { width: 24px; height: 24px; }
.card-ic .tag { position: absolute; top: 1.6rem; right: 1.6rem; }
.card-feature { background: linear-gradient(160deg, var(--wash) 0%, #fff 70%); padding: 2.1rem; }
.card-feature h3 { font-size: 1.6rem; }
.tag { align-self: flex-start; font: 650 .66rem/1 var(--sans); letter-spacing: .1em; text-transform: uppercase; color: var(--accent-2); background: var(--sky-soft); border: 1px solid var(--sky-2); padding: .42rem .6rem; border-radius: 999px; margin-bottom: .8rem; }
.tbl { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--r-lg); background: #fff; box-shadow: var(--sh-1); }
.tbl table { margin-top: 0 !important; }
table { width: 100%; border-collapse: collapse; font-size: .93rem; }
caption { text-align: left; padding: .95rem 1.2rem; font: 650 .95rem/1.4 var(--display); letter-spacing: -.01em; color: var(--ink); background: var(--wash); border-bottom: 1px solid var(--line); }
th, td { text-align: left; vertical-align: top; padding: .75rem 1.2rem; border-bottom: 1px solid var(--line); }
thead th { font-size: .7rem; letter-spacing: .11em; text-transform: uppercase; color: var(--ink-3); font-weight: 650; background: #fff; }
tbody th { font-weight: 650; color: var(--ink); }
td { color: var(--ink-2); }
tbody tr:last-child > * { border-bottom: 0; }
tbody tr { transition: background-color .15s; }
tbody tr:hover { background: var(--wash); }
.num { font-variant-numeric: tabular-nums; white-space: nowrap; color: var(--ink); font-weight: 650; }

/* Home hero */
.hero { position: relative; isolation: isolate; color: #fff; background: var(--navy-3); margin-top: -73px; padding: calc(73px + clamp(3rem, 7vw, 6rem)) 0 clamp(6rem, 10vw, 8.5rem); overflow: hidden; }
.hero-bg { position: absolute; inset: 0; z-index: -1;
  background:
    radial-gradient(900px 520px at 78% 18%, rgba(22, 112, 138, .55), transparent 62%),
    radial-gradient(700px 500px at 5% 105%, rgba(143, 208, 224, .16), transparent 60%),
    linear-gradient(180deg, #071a29 0%, #0b2437 100%); }
.hero-bg::after { content: ""; position: absolute; inset: 0; background-image: linear-gradient(rgba(255, 255, 255, .045) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, .045) 1px, transparent 1px); background-size: 56px 56px; mask-image: radial-gradient(ellipse at 70% 30%, #000 0%, transparent 70%); -webkit-mask-image: radial-gradient(ellipse at 70% 30%, #000 0%, transparent 70%); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: clamp(2rem, 6vw, 5rem); align-items: center; }
.hero h1 { color: #fff; font-size: clamp(2.5rem, 1.4rem + 3.4vw, 4.35rem); max-width: 15ch; }
.hl { background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hero .lede { color: #c3d3df; max-width: 36rem; }
.chip { display: inline-flex; align-items: center; gap: .55rem; padding: .45rem .9rem .45rem .7rem; border-radius: 999px; background: rgba(255, 255, 255, .07); border: 1px solid rgba(255, 255, 255, .14); color: #d9e6ef; font: 550 .82rem/1.2 var(--sans); text-decoration: none; margin-bottom: 1.6rem; backdrop-filter: blur(6px); }
.chip:hover { color: #fff; border-color: rgba(255, 255, 255, .3); }
.dot { width: 8px; height: 8px; border-radius: 50%; background: #5fe0a8; box-shadow: 0 0 0 4px rgba(95, 224, 168, .18); }
.hero-act { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 2.2rem; }
.hero-proof { display: inline-flex; align-items: center; gap: .7rem; margin-top: 1.6rem; color: #c3d3df; text-decoration: none; font-size: .92rem; }
.hero-proof strong { color: #fff; }
.hero-proof:hover { color: #fff; }
.stars { display: inline-flex; gap: 2px; color: #f6c453; vertical-align: -2px; }
.stars .i { width: 16px; height: 16px; fill: currentColor; stroke: none; }
.hero-visual { position: relative; justify-self: center; width: min(100%, 440px); }
.portrait { position: relative; margin: 0; }
.portrait img { display: block; width: 100%; aspect-ratio: 1204/1350; object-fit: cover; border-radius: var(--r-xl); box-shadow: var(--sh-3); }
.hero .portrait img { box-shadow: 0 0 0 1px rgba(255, 255, 255, .12), 0 40px 80px -30px rgba(0, 0, 0, .7); }
.portrait figcaption { position: absolute; left: 0; right: 0; bottom: 0; padding: 3.2rem 1.4rem 1.2rem; border-radius: 0 0 var(--r-xl) var(--r-xl); background: linear-gradient(180deg, transparent, rgba(7, 26, 41, .9) 60%); color: #fff; display: grid; gap: .15rem; }
.portrait figcaption strong { font: 750 1.3rem/1.2 var(--display); letter-spacing: -.02em; }
.portrait figcaption span { font-size: .85rem; color: #c3d3df; }
.float { position: absolute; display: flex; align-items: center; gap: .7rem; padding: .7rem .95rem .7rem .7rem; border-radius: 16px; background: rgba(255, 255, 255, .94); color: var(--ink); text-decoration: none; box-shadow: 0 18px 40px -16px rgba(0, 0, 0, .5); backdrop-filter: blur(10px); animation: bob 7s ease-in-out infinite; }
.float strong { display: block; font: 750 .98rem/1.2 var(--display); letter-spacing: -.02em; }
.float small { display: block; font-size: .74rem; color: var(--ink-3); }
.fi { display: grid; place-items: center; width: 36px; height: 36px; border-radius: 11px; background: var(--sky-soft); color: var(--accent); }
.f1 { left: -46px; top: 12%; }
.f2 { right: -40px; top: 44%; animation-delay: -2.3s; }
.f3 { left: -30px; bottom: 16%; animation-delay: -4.6s; }
a.float:hover { color: var(--ink); box-shadow: 0 22px 48px -16px rgba(0, 0, 0, .6); }
@keyframes bob { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }
.proofbar-wrap { position: relative; z-index: 2; margin-top: -3.2rem; }
.proofbar { list-style: none; margin: 0; padding: .4rem; display: grid; grid-template-columns: repeat(4, 1fr); background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--sh-3); }
.proofbar li + li { border-left: 1px solid var(--line); }
.proofbar a { display: grid; gap: .2rem; padding: 1.25rem 1.4rem; text-decoration: none; color: var(--ink); border-radius: 14px; transition: background-color .2s; }
.proofbar a:hover { background: var(--wash); }
.pb-n { font: 800 1.65rem/1.1 var(--display); letter-spacing: -.035em; color: var(--navy); }
.pb-n small { font-size: .55em; color: var(--ink-3); font-weight: 650; }
.pb-l { font-size: .84rem; color: var(--ink-2); }

/* Why band */
.why { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; }
.why > div { padding: 1.8rem; border-radius: var(--r-lg); background: rgba(255, 255, 255, .04); border: 1px solid rgba(255, 255, 255, .1); backdrop-filter: blur(6px); }
.big { display: block; font: 800 clamp(2.6rem, 1.9rem + 2vw, 3.6rem)/1 var(--display); letter-spacing: -.045em; background: var(--grad); -webkit-background-clip: text; background-clip: text; color: transparent; }
.why h3 { font: 650 .78rem/1.3 var(--sans); letter-spacing: .13em; text-transform: uppercase; color: var(--sky); margin-top: 1.1rem; }
.why p { margin-top: .7rem; font-size: .97rem; }
.src { color: #8fa6b8 !important; margin-top: 2rem; }

/* Teaching */
.teach { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: clamp(2rem, 6vw, 5.5rem); align-items: center; }
.vlink { position: relative; display: block; aspect-ratio: 4/4.2; border-radius: var(--r-xl); overflow: hidden; background: var(--navy); box-shadow: var(--sh-3); }
.vlink img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 38%; transition: transform .6s var(--ease); }
.vlink::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, transparent 50%, rgba(7, 26, 41, .7)); }
.vlink:hover img { transform: scale(1.04); }
.play { position: absolute; z-index: 1; left: 50%; top: 50%; transform: translate(-50%, -50%); display: grid; place-items: center; width: 76px; height: 76px; border-radius: 50%; background: rgba(255, 255, 255, .95); color: var(--navy); box-shadow: 0 0 0 10px rgba(255, 255, 255, .18), var(--sh-2); transition: transform .3s var(--ease); }
.vlink:hover .play { transform: translate(-50%, -50%) scale(1.06); }
.play .i { width: 28px; height: 28px; margin-left: 4px; fill: currentColor; }
.vlabel { position: absolute; z-index: 1; left: 1.2rem; bottom: 1.1rem; color: #fff; font: 650 .82rem/1 var(--sans); letter-spacing: .04em; }
.calc { display: grid; grid-template-columns: repeat(3, 1fr); gap: .6rem; margin-top: 1.6rem; }
.calc > div { padding: 1rem 1.1rem; border-radius: 14px; background: var(--wash); border: 1px solid var(--line); }
.calc span { display: block; font-size: .78rem; color: var(--ink-3); }
.calc strong { display: block; font: 800 1.35rem/1.2 var(--display); letter-spacing: -.03em; color: var(--navy); margin-top: .25rem; }
.links-row { display: flex; flex-wrap: wrap; gap: 1rem 1.8rem; margin-top: 1.5rem; }

/* Reviews */
.quotes { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; }
.quote { position: relative; margin: 0; padding: 1.8rem 1.8rem 1.5rem; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); box-shadow: var(--sh-1); display: flex; flex-direction: column; justify-content: space-between; gap: 1.6rem; }
.qmark { position: absolute; top: .6rem; right: 1.3rem; font: 800 4.5rem/1 var(--display); color: var(--sky-2); }
.quote blockquote { margin: 0; font: 650 1.28rem/1.4 var(--display); letter-spacing: -.02em; color: var(--ink); }
.quote figcaption { display: flex; align-items: center; gap: .75rem; font-size: .88rem; font-weight: 650; }
.quote figcaption small { display: block; font-weight: 400; color: var(--ink-3); font-size: .78rem; }
.av { display: grid; place-items: center; width: 38px; height: 38px; border-radius: 50%; background: linear-gradient(140deg, #1a5a78, var(--navy)); color: #fff; font: 750 .9rem/1 var(--display); flex: none; }
.split-head { display: flex; justify-content: space-between; align-items: end; gap: 2rem; margin-bottom: 2.2rem; }

/* Steps */
.steps { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.1rem; counter-reset: s; position: relative; }
.steps li { position: relative; padding: 1.8rem; border-radius: var(--r-lg); background: #fff; border: 1px solid var(--line); box-shadow: var(--sh-1); }
.steps li > span { display: grid; place-items: center; width: 44px; height: 44px; border-radius: 14px; background: linear-gradient(140deg, #1a5a78, var(--navy)); color: #fff; font: 800 1.05rem/1 var(--display); box-shadow: 0 10px 20px -10px rgba(15, 47, 69, .7); }
.steps h3 { font-size: 1.22rem; margin-top: 1.2rem; }
.steps p { color: var(--ink-2); font-size: .97rem; margin-top: .55rem; }

/* FAQ */
.faq-grid { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(2rem, 6vw, 5rem); align-items: start; }
.faq-grid > .head { position: sticky; top: 110px; }
.qa { display: grid; gap: .6rem; }
.qa details, .faq details { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 0 1.3rem; transition: box-shadow .2s, border-color .2s; }
.qa details[open], .faq details[open] { box-shadow: var(--sh-2); border-color: var(--line-2); }
.faq details + details { margin-top: .6rem; }
details summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 1rem; padding: 1.15rem 0; }
details summary::-webkit-details-marker { display: none; }
.qa summary::after, .faq summary::after { content: ""; flex: none; width: 30px; height: 30px; border-radius: 50%; background: var(--wash-2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230f2f45' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='M12 6v12M6 12h12'/%3E%3C/svg%3E") center/14px no-repeat; transition: transform .25s var(--ease), background-color .2s; }
.qa details[open] summary::after, .faq details[open] summary::after { transform: rotate(45deg); background-color: var(--sky-2); }
details summary h3 { font-size: 1.06rem; letter-spacing: -.015em; }
details summary:hover h3 { color: var(--accent); }
.qa details > p, .faq details > p { color: var(--ink-2); margin: -.2rem 0 1.3rem; max-width: 64ch; }

/* Article */
.art-top { background: radial-gradient(900px 380px at 90% -30%, rgba(143, 208, 224, .3), transparent 60%), linear-gradient(180deg, var(--wash), #fff); border-bottom: 1px solid var(--line); padding: 1.4rem 0 2.6rem; }
.art-head { padding-top: clamp(1.4rem, 3vw, 2.4rem); max-width: 52rem; }
.art-head h1 { font-size: clamp(2.1rem, 1.3rem + 2.6vw, 3.3rem); }
.byline { display: flex; flex-wrap: wrap; align-items: center; gap: .35rem .9rem; font-size: .84rem; color: var(--ink-3); margin-top: 1.2rem; }
.byline img { width: 30px; height: 30px; border-radius: 50%; object-fit: cover; object-position: 50% 20%; }
.short { position: relative; margin: 1.8rem 0 0; max-width: 52rem; background: #fff; border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.5rem 1.6rem 1.5rem 1.9rem; box-shadow: var(--sh-2); overflow: hidden; }
.short::before { content: ""; position: absolute; left: 0; top: 0; bottom: 0; width: 5px; background: linear-gradient(180deg, var(--sky), var(--accent)); }
.short h2 { font: 650 .72rem/1.3 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--accent); }
.short-a { font-size: 1.14rem; line-height: 1.62; color: var(--ink); margin-top: .55rem; }
.art-wrap { padding-bottom: clamp(3rem, 6vw, 5rem); }
.art-grid { display: grid; grid-template-columns: minmax(0, 1fr) 290px; gap: clamp(2rem, 5vw, 4.5rem); align-items: start; margin-top: 2.6rem; }
.art-main > section { margin-top: 3rem; }
.art-main > section:first-child { margin-top: 0; }
.art-main > section > h2 { font-size: clamp(1.45rem, 1.15rem + .9vw, 1.95rem); margin-bottom: 1rem; }
.art-main p, .art-main li { color: var(--ink-2); }
.art-main strong { color: var(--ink); }
.art-main ul, .art-main ol { padding-left: 1.2rem; margin: .8rem 0 0; }
.art-main li + li { margin-top: .45rem; }
.art-main li::marker { color: var(--accent); }
.art-main .tbl, .art-main table { margin-top: 1.1rem; }
.toc { border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.2rem 1.4rem; background: #fff; }
.toc h2 { font: 650 .72rem/1.3 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--ink-3); }
.toc ol { margin: .7rem 0 0; padding-left: 1.15rem; font-size: .9rem; }
.toc li { margin: .3rem 0; color: var(--ink-3); }
.toc a { color: var(--ink-2); text-decoration: none; }
.toc a:hover { color: var(--accent); }
.toc-m ol { columns: 2; column-gap: 2rem; }
.toc-m li { break-inside: avoid; }
.art-aside { position: sticky; top: 96px; display: grid; gap: 1rem; }
.art-aside .toc { max-height: calc(100vh - 360px); overflow: auto; }
.example { background: linear-gradient(160deg, var(--wash), #fff 80%); border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.6rem 1.7rem 1.7rem; }
.math { display: inline-block; font: 700 1.12rem/1.4 var(--display); letter-spacing: -.01em; font-variant-numeric: tabular-nums; color: var(--navy); background: #fff; border: 1px solid var(--sky-2); border-radius: 12px; padding: .8rem 1.1rem; margin: .9rem 0 0; box-shadow: var(--sh-1); }
.with-shawn { border: 1px solid var(--line); border-radius: var(--r-lg); padding: 1.6rem 1.7rem; background: #fff; box-shadow: var(--sh-1); }
.with-shawn > h2::before { content: ""; display: inline-block; width: 30px; height: 30px; margin-right: .7rem; vertical-align: -6px; border-radius: 50%; background: url("/media/headshot-studio-portrait-1204x1350.webp") center 20%/cover; box-shadow: 0 0 0 2px #fff, 0 0 0 3px var(--sky-2); }
.vid { margin: 1.2rem 0 0; }
.vid video { display: block; width: 100%; max-width: 360px; aspect-ratio: 9/16; object-fit: cover; background: var(--navy); border-radius: var(--r-lg); box-shadow: var(--sh-2); }
.vid figcaption { display: grid; gap: .2rem; margin-top: .7rem; font-size: .88rem; color: var(--ink-2); max-width: 42rem; }
.vid figcaption strong { color: var(--ink); }
.transcript { margin-top: .7rem; border: 1px solid var(--line); border-radius: 14px; padding: 0 1.1rem; background: #fff; }
.transcript summary { font-weight: 650; font-size: .92rem; color: var(--accent); padding: .85rem 0; }
.transcript div { padding-bottom: 1rem; font-size: .93rem; }
.sources ol { font-size: .92rem; }
.related ul { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: .8rem; }
.related a { display: grid; gap: .3rem; height: 100%; padding: 1.1rem 1.3rem; border: 1px solid var(--line); border-radius: 16px; text-decoration: none; background: #fff; transition: box-shadow .25s var(--ease), transform .25s var(--ease), border-color .25s; }
.related a:hover { border-color: var(--line-2); box-shadow: var(--sh-2); transform: translateY(-2px); }
.related strong { font: 700 1.02rem/1.3 var(--display); letter-spacing: -.015em; color: var(--ink); }
.related span { font-size: .86rem; color: var(--ink-2); }
.ask { position: relative; border-radius: var(--r-lg); padding: 1.4rem; background: var(--navy-2); color: #c3d3df; overflow: hidden; isolation: isolate; }
.ask::before { content: ""; position: absolute; inset: 0; z-index: -1; background: radial-gradient(300px 200px at 100% 0%, rgba(22, 112, 138, .7), transparent 70%); }
.ask img { width: 60px; height: 60px; border-radius: 50%; object-fit: cover; object-position: 50% 20%; box-shadow: 0 0 0 3px rgba(255, 255, 255, .15); }
.ask-k { font: 750 1.2rem/1.2 var(--display); letter-spacing: -.02em; color: #fff; margin-top: .9rem; }
.ask p:not(.ask-k) { font-size: .9rem; margin-top: .4rem; }
.ask .btn { width: 100%; margin-top: 1.1rem; background: #fff; color: var(--navy); border-color: #fff; }
.ask-ph { display: block; text-align: center; margin-top: .75rem; font-weight: 650; color: #fff; text-decoration: none; }
.ask-id { font-size: .76rem !important; text-align: center; }
.ask a:not(.btn) { color: #fff; }

/* Hubs */
.hub-group + .hub-group { margin-top: 3rem; }
.hub-group > h2 { font-size: 1.45rem; margin-bottom: 1rem; }
.rows { list-style: none; margin: 0; padding: 0; display: grid; gap: .6rem; }
.rows a { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: .3rem 1.5rem; padding: 1.15rem 1.35rem; border: 1px solid var(--line); border-radius: 16px; background: #fff; text-decoration: none; color: var(--ink); transition: box-shadow .25s var(--ease), border-color .25s, transform .25s var(--ease); }
.rows a strong { font: 700 1.1rem/1.3 var(--display); letter-spacing: -.02em; }
.rows a span { grid-column: 1; font-size: .92rem; color: var(--ink-2); }
.rows a .i { grid-column: 2; grid-row: 1 / span 2; align-self: center; width: 34px; height: 34px; padding: 8px; border-radius: 50%; background: var(--wash-2); color: var(--navy); transition: transform .2s var(--ease), background-color .2s; }
.rows a:hover { box-shadow: var(--sh-2); border-color: var(--line-2); transform: translateY(-2px); }
.rows a:hover .i { transform: translateX(3px); background: var(--sky-2); }

/* Profile */
.profile { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, .8fr); gap: clamp(2rem, 6vw, 5rem); align-items: center; }
.profile .portrait { max-width: 400px; justify-self: end; width: 100%; }
.timeline { list-style: none; margin: 0; padding: 0 0 0 1.4rem; border-left: 2px solid var(--sky-2); display: grid; gap: 1.4rem; }
.timeline li { position: relative; display: grid; grid-template-columns: 10rem minmax(0, 1fr); gap: 1.5rem; }
.timeline li::before { content: ""; position: absolute; left: calc(-1.4rem - 7px); top: .35rem; width: 12px; height: 12px; border-radius: 50%; background: #fff; border: 3px solid var(--accent); }
.timeline .when { font: 700 .92rem/1.4 var(--display); color: var(--accent); }
.timeline strong { font: 700 1.1rem/1.3 var(--display); letter-spacing: -.02em; display: block; }
.timeline p { color: var(--ink-2); font-size: .95rem; margin-top: .3rem; }
.awards { list-style: none; columns: 2; column-gap: 1.1rem; padding: 0; margin: 0; }
.awards li { break-inside: avoid; display: flex; gap: .7rem; padding: .95rem 1.1rem; margin-bottom: .7rem; background: #fff; border: 1px solid var(--line); border-radius: 14px; color: var(--ink-2); font-size: .94rem; }
.awards li::before { content: ""; flex: none; width: 20px; height: 20px; margin-top: 1px; background: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='%23f6c453'%3E%3Cpath d='m12 3 2.8 5.7 6.2.9-4.5 4.4 1 6.2L12 17.3 6.5 20.2l1-6.2L3 9.6l6.2-.9L12 3Z'/%3E%3C/svg%3E") center/contain no-repeat; }
.kv { display: grid; grid-template-columns: max-content minmax(0, 1fr); gap: .7rem 1.5rem; margin: 0; }
.kv dt { font-weight: 650; color: var(--ink); }
.kv dd { margin: 0; color: var(--ink-2); }

/* Forms */
.form { display: grid; gap: 1.1rem; background: #fff; border: 1px solid var(--line); border-radius: var(--r-xl); padding: clamp(1.4rem, 3vw, 2.2rem); box-shadow: var(--sh-3); }
.form h2 { font-size: 1.6rem; }
.field label { display: block; font-weight: 650; font-size: .9rem; margin-bottom: .4rem; }
.field input, .field select, .field textarea { width: 100%; font: inherit; font-size: 1rem; padding: .8rem .95rem; border: 1px solid var(--line-2); border-radius: 12px; background: var(--wash); color: var(--ink); transition: border-color .15s, box-shadow .15s, background-color .15s; }
.field textarea { min-height: 140px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--accent); background: #fff; box-shadow: 0 0 0 4px var(--sky-soft); }
.field .err { display: block; color: #b03a28; font-size: .85rem; margin-top: .3rem; }
.field [aria-invalid="true"] { border-color: #b03a28; }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form .btn { justify-self: start; }
.form-status { font-weight: 650; color: var(--navy); min-height: 1.2em; }
.contact-grid { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(2rem, 6vw, 5rem); align-items: start; padding: 3rem 0 5rem; }
.big-phone { font: 800 clamp(2rem, 1.5rem + 1.6vw, 2.8rem)/1.1 var(--display); letter-spacing: -.04em; color: var(--navy); text-decoration: none; display: inline-block; margin-top: .2rem; }

/* Licensing */
.lic-tools { display: flex; gap: 1rem; align-items: center; margin: 0 0 1rem; }
.lic-tools input { font: inherit; padding: .8rem 1.1rem .8rem 2.6rem; border: 1px solid var(--line-2); border-radius: 999px; min-width: min(340px, 100%); background: #fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%236f7d8d' stroke-width='2' stroke-linecap='round'%3E%3Ccircle cx='11' cy='11' r='7'/%3E%3Cpath d='m20 20-3.5-3.5'/%3E%3C/svg%3E") 1rem center/16px no-repeat; }
.lic-tools input:focus { outline: none; border-color: var(--accent); box-shadow: 0 0 0 4px var(--sky-soft); }
.lic-count { font-size: .88rem; color: var(--ink-3); }

/* Closing panel and footer */
.close { padding-block: clamp(2.5rem, 5vw, 4rem) clamp(3.5rem, 7vw, 5.5rem); }
.close-in { position: relative; isolation: isolate; overflow: hidden; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 2rem 4rem; align-items: center; padding: clamp(2rem, 5vw, 3.6rem); border-radius: var(--r-xl); background: var(--navy-3); color: #fff; box-shadow: var(--sh-3); }
.close-in::before { content: ""; position: absolute; inset: 0; z-index: -1; background: radial-gradient(600px 300px at 100% 0%, rgba(22, 112, 138, .7), transparent 65%), radial-gradient(500px 300px at 0% 100%, rgba(143, 208, 224, .14), transparent 60%); }
.close .eyebrow { color: var(--sky); }
.close h2 { color: #fff; font-size: clamp(1.8rem, 1.3rem + 1.7vw, 2.7rem); }
.close p { color: #c3d3df; margin-top: .8rem; max-width: 38rem; }
.close-act { display: flex; flex-wrap: wrap; gap: .75rem; align-items: center; max-width: 30rem; }
.close-apply { flex-basis: 100%; display: inline-flex; gap: .45rem; align-items: center; color: #c3d3df; font-size: .85rem; text-decoration: none; }
.close-apply:hover { color: #fff; }
.ftr { background: var(--navy-3); color: #9fb3c3; font-size: .92rem; padding: clamp(3rem, 5vw, 4.5rem) 0 2.2rem; }
.ftr a { color: #dbe6ee; text-decoration: none; }
.ftr a:hover { color: var(--sky); }
.ftr-top { display: grid; grid-template-columns: 1.4fr repeat(3, 1fr); gap: 2.4rem; padding-bottom: 2.6rem; border-bottom: 1px solid rgba(255, 255, 255, .09); }
.ftr-id p { margin-top: 1.1rem; }
.ftr-phone { font: 800 1.45rem/1.2 var(--display); letter-spacing: -.03em; }
.ftr h2 { font: 650 .72rem/1.3 var(--sans); letter-spacing: .14em; text-transform: uppercase; color: var(--sky); }
.ftr ul { list-style: none; margin: 1rem 0 0; padding: 0; display: grid; gap: .6rem; }
.ftr-legal { padding-top: 2rem; display: grid; gap: .8rem; font-size: .8rem; line-height: 1.65; max-width: 64rem; color: #8fa6b8; }
.ftr-legal a { text-decoration: underline; text-decoration-color: rgba(255, 255, 255, .25); }
.ftr-legal p + p { margin-top: 0; }
.eho { display: inline-flex; align-items: center; gap: .45rem; }

/* Scroll reveal (only when JavaScript runs, never for reduced motion) */
.js .reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s var(--ease), transform .7s var(--ease); transition-delay: var(--d, 0ms); }
.js .reveal.in { opacity: 1; transform: none; }

@media (max-width: 1080px) {
  .f1 { left: -14px; } .f2 { right: -12px; } .f3 { left: -10px; }
}
@media (max-width: 980px) {
  .grid-3, .quotes, .why { grid-template-columns: 1fr 1fr; }
  .proofbar { grid-template-columns: 1fr 1fr; }
  .proofbar li:nth-child(3) { border-left: 0; }
  .proofbar li:nth-child(n+3) { border-top: 1px solid var(--line); }
  .art-grid { grid-template-columns: 1fr; }
  .art-aside { position: static; }
  .art-aside .toc { display: none; }
  .ftr-top { grid-template-columns: 1fr 1fr; }
  .related ul { grid-template-columns: 1fr; }
}
@media (min-width: 981px) { .toc-m { display: none; } }
@media (max-width: 760px) {
  body { font-size: 1rem; }
  .menu { display: inline-flex; }
  .nav { display: none; position: absolute; left: 0; right: 0; top: 100%; background: #fff; border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; gap: 0; padding: .6rem 20px 1.3rem; box-shadow: var(--sh-2); }
  .nav.open { display: flex; }
  .nav a:not(.btn) { padding: .85rem .3rem; border-radius: 0; border-bottom: 1px solid var(--line); color: var(--ink-2) !important; background: none !important; }
  .nav .btn { margin: 1rem 0 0; background: var(--navy) !important; color: #fff !important; border-color: var(--navy) !important; }
  .hdr-in { min-height: 64px; }
  .hero { margin-top: -65px; padding-top: calc(65px + 2rem); padding-bottom: 5rem; }
  .hero-grid, .teach, .faq-grid, .close-in, .profile, .contact-grid, .grid-2 { grid-template-columns: 1fr; }
  .hero-visual { width: min(100%, 340px); justify-self: start; margin: .5rem 0 0 0; }
  .hero .portrait img { aspect-ratio: 1/1; object-position: 50% 18%; }
  .float { padding: .5rem .7rem .5rem .5rem; }
  .float small { display: none; }
  .fi { width: 30px; height: 30px; }
  .f1 { left: auto; right: -10px; top: 8%; } .f2 { right: -10px; top: 40%; } .f3 { left: auto; right: -10px; bottom: 26%; }
  .hero-act .btn { flex: 1 1 100%; }
  .proofbar-wrap { margin-top: -2.4rem; }
  .pb-n { font-size: 1.3rem; }
  .proofbar a { padding: 1rem; }
  .grid-3, .quotes, .steps, .why, .calc { grid-template-columns: 1fr; }
  .split-head { display: block; }
  .faq-grid > .head { position: static; }
  .toc-m ol { columns: 1; }
  .timeline li { grid-template-columns: 1fr; gap: .2rem; }
  .awards { columns: 1; }
  .two { grid-template-columns: 1fr; }
  .ftr-top { grid-template-columns: 1fr; }
  table { font-size: .86rem; }
  th, td { padding: .6rem .8rem; }
  #lic-table td:nth-child(2), #lic-table th:nth-child(2), #lic-table td:nth-child(4), #lic-table th:nth-child(4) { display: none; }
  .lic-tools { flex-wrap: wrap; }
  .lic-tools input { min-width: 0; flex: 1 1 100%; }
  .card-ic .tag { position: static; }
}
@media (prefers-reduced-motion: reduce) { *, *::before, *::after { animation: none !important; transition: none !important; } .js .reveal { opacity: 1; transform: none; } }
@media print { .hdr, .ftr, .close, .art-aside, .menu { display: none; } }
.js .reveal:not(.in) { animation: reveal-fallback .01s 2.5s forwards; }
@keyframes reveal-fallback { to { opacity: 1; transform: none; } }
/* Tracking tuned for Plus Jakarta Sans */
h1 { letter-spacing: -.026em; }
h2 { letter-spacing: -.02em; }
h3, .card h3, details summary h3, .rows a strong, .related strong, .quote blockquote { letter-spacing: -.01em; }
.hero h1 { max-width: 17ch; font-size: clamp(2.4rem, 1.4rem + 3vw, 4rem); line-height: 1.06; }
.big, .pb-n, .calc strong, .big-phone, .ftr-phone, .brand-name { letter-spacing: -.02em; }
.quote blockquote { padding-right: 2.2rem; }
.band.grid-2 { padding-bottom: 1rem; }
h1 { letter-spacing: -.035em; } h2 { letter-spacing: -.028em; } h3 { letter-spacing: -.015em; }
.hero h1 { letter-spacing: -.04em; }
.f1 { top: 3%; left: -64px; }
.f2 { top: 52%; }
.f3 { bottom: 24%; left: -48px; }
@media (max-width: 1080px) { .f1 { left: -14px; } .f3 { left: -10px; } }
.eyebrow { display: flex; width: max-content; max-width: 100%; }
.head.center .eyebrow { margin-inline: auto; }
@media (max-width: 760px) {
  .f1, .f2, .f3 { left: auto !important; right: -10px !important; }
  .f1 { top: 8%; } .f2 { top: 42%; bottom: auto; } .f3 { top: auto; bottom: 26%; }
}

/* V4: a shorter introduction, visible choices and a direct mobile contact path. */
[hidden] { display:none !important; }
.hero-v4 .hero-grid { grid-template-columns:1.15fr .85fr; gap:5rem; align-items:center; }
.hero-v4 { padding-block:6.5rem 7rem; }
.hero-v4 h1 { font-size:clamp(2.6rem,4.8vw,4.6rem); max-width:13ch; }
.hero-v4 .lede { max-width:35rem; font-size:1.15rem; }
.hero-v4 .hero-visual { width:100%; max-width:390px; justify-self:end; }
.hero-v4 .portrait { aspect-ratio:4/4.5; }
.hero-v4 .portrait img { object-position:center 20%; }
.portrait-note { position:relative; display:flex; gap:1rem; align-items:center; background:#fff; color:var(--navy); padding:1rem 1.2rem; border-radius:16px; margin:-1rem -1rem 0; box-shadow:var(--sh-2); }
.portrait-note small { display:block; color:var(--ink-2); font-size:.8rem; }
.hero-person { display:none; }
.hero-proof small { display:block; font-size:.72rem; color:#c0d3df; }
.plan-tabs { display:flex; justify-content:center; gap:.5rem; margin:2rem auto 1.3rem; padding:.4rem; width:fit-content; max-width:100%; background:var(--wash-2); border-radius:999px; }
.plan-tabs a { display:flex; align-items:center; justify-content:center; gap:.6rem; border-radius:999px; padding:.9rem 1.3rem; font-weight:650; text-decoration:none; color:var(--ink-2); }
.plan-tabs [aria-selected="true"] { color:#fff; background:var(--navy); box-shadow:var(--sh-1); }
.plan-panel { display:grid; grid-template-columns:1.2fr .8fr; gap:3rem; padding:2.7rem; border:1px solid var(--line-2); border-radius:var(--r-xl); background:linear-gradient(120deg,#fff,var(--wash)); margin-top:1rem; }
.plan-panel h3 { font-size:clamp(1.6rem,2.6vw,2.2rem); max-width:22ch; }
.plan-panel p:not(.eyebrow) { color:var(--ink-2); margin-top:1rem; }
.plan-next { border-left:1px solid var(--line-2); padding-left:2rem; }
.plan-next>p { font-weight:700; color:var(--ink)!important; margin-top:0!important; }
.plan-next ul { padding-left:1.2rem; margin:1rem 0 1.5rem; color:var(--ink-2); }
.special-links { display:flex; flex-wrap:wrap; justify-content:center; align-items:center; gap:.8rem 1.8rem; padding-top:2rem; font-size:.9rem; }
.special-links span { color:var(--ink-2); }
.special-links a { display:inline-flex; gap:.4rem; align-items:center; text-decoration:none; font-weight:600; }
.contact-head { padding-bottom:2rem; }
.contact-head h1 { max-width:24ch; }
.contact-v4 { grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr); gap:4rem; align-items:start; padding-block:2.5rem 5rem; }
.contact-form-card { padding:2rem; background:#fff; border:1px solid var(--line-2); border-radius:24px; box-shadow:var(--sh-2); }
.contact-form-card .form { padding:0; border:0; box-shadow:none; }
.contact-form-card h2 { font-size:1.65rem; }
.contact-direct { padding-top:.5rem; }
.contact-portrait { width:96px; height:112px; object-fit:cover; border-radius:16px; margin-bottom:1.4rem; }
.contact-direct .big-phone { font-size:clamp(1.5rem,2.2vw,2rem); display:block; margin:1rem 0 .5rem; }
.contact-direct .kv { margin-top:2rem; grid-template-columns:5.6rem minmax(0,1fr); }
.secure-next { margin-top:2rem; border-top:1px solid var(--line-2); padding-top:1.5rem; }
.secure-next p { margin:.5rem 0; color:var(--ink-2); }
.secure-next a { display:inline-flex; align-items:center; gap:.4rem; }
.btn:disabled { cursor:wait; opacity:.65; transform:none; }
.form-confirmation p { margin-top:1rem; }
.success-mark { display:grid; place-items:center; background:var(--sky-soft); color:var(--accent); width:64px; height:64px; border-radius:50%; margin-bottom:1.4rem; font-size:2rem; }
.success-mark .i { width:30px; height:30px; }
.receipt { font-family:ui-monospace,monospace; background:var(--wash); padding:1rem; border-radius:10px; overflow-wrap:anywhere; margin:1.5rem 0; font-size:.9rem; }
.text-button { color:inherit; background:none; border:0; padding:0; text-decoration:underline; font:inherit; cursor:pointer; }
.usage-choice { position:fixed; right:1rem; bottom:1rem; z-index:80; max-width:360px; background:#fff; padding:1.2rem; border:1px solid var(--line-2); border-radius:16px; box-shadow:var(--sh-3); }
.usage-choice h2 { font-size:1rem; }
.usage-choice p { font-size:.8rem; color:var(--ink-2); margin:.55rem 0 .8rem; }
.usage-choice>div { display:flex; gap:.6rem; }
.mobile-actions { display:none; }
@media(max-width:980px) {
 .hero-v4 .hero-grid { gap:2.5rem; }
 .hero-v4 h1 { font-size:3.6rem; }
 .contact-v4 { gap:2rem; }
}
@media(max-width:760px) {
 body { padding-bottom:calc(72px + env(safe-area-inset-bottom)); }
 .hero-v4 { padding-block:2.3rem 4rem; }
 .hero-v4 .hero-grid { grid-template-columns:1fr; }
 .hero-v4 .hero-visual { display:none; }
 .hero-v4 .hero-person { display:flex; align-items:center; gap:.9rem; margin-bottom:1.3rem; }
 .hero-person img { object-fit:cover; border-radius:12px; width:60px; height:68px; }
 .hero-person strong { display:block; font-size:1.05rem; color:#fff; }
 .hero-person small { display:block; color:#c0d3df; font-size:.73rem; max-width:25ch; }
 .hero-v4 h1 { font-size:clamp(2.3rem,9.9vw,3.4rem); max-width:16ch; }
 .hero-v4 .eyebrow { font-size:.64rem; letter-spacing:.09em; }
 .hero-v4 .lede { font-size:1rem; line-height:1.6; margin-top:1rem; }
 .hero-v4 .hero-act { margin-top:1.5rem; gap:.6rem; }
 .hero-v4 .hero-act .btn { min-height:48px; }
 .hero-v4 .hero-proof { font-size:.78rem; margin-top:1.1rem; }
 .plan-tabs { width:100%; border-radius:14px; gap:0; }
 .plan-tabs a { flex:1; padding:.8rem .4rem; font-size:.82rem; border-radius:10px; }
 .plan-tabs .i { display:none; }
 .plan-panel { grid-template-columns:1fr; gap:1.5rem; padding:1.4rem; border-radius:18px; }
 .plan-next { padding:1.2rem 0 0; border-left:0; border-top:1px solid var(--line-2); }
 .plan-next .btn { width:100%; }
 .special-links { flex-direction:column; align-items:flex-start; gap:1rem; }
 .contact-head { padding-bottom:1.6rem; }
 .contact-v4 { grid-template-columns:1fr; padding-top:1.5rem; }
 .contact-form-card { padding:1.3rem; }
 .contact-direct { border-top:1px solid var(--line-2); padding-top:2rem; }
 .kv,.contact-direct .kv { grid-template-columns:1fr; gap:.25rem; }
 .kv dd { margin-bottom:1rem; }
 .mobile-actions { display:flex; position:fixed; bottom:0; left:0; right:0; background:rgba(255,255,255,.97); border-top:1px solid var(--line-2); gap:.5rem; padding:.6rem 1rem calc(.6rem + env(safe-area-inset-bottom)); z-index:60; backdrop-filter:blur(12px); }
 .mobile-actions a { flex:1; display:flex; justify-content:center; align-items:center; gap:.4rem; padding:.65rem .4rem; border-radius:999px; border:1px solid var(--line-2); text-decoration:none; color:var(--navy); font-weight:650; font-size:.82rem; }
 .mobile-actions a:last-child { background:var(--navy); color:#fff; }
 .usage-choice { bottom:calc(82px + env(safe-area-inset-bottom)); left:1rem; right:1rem; max-width:none; }
}
@media print { .usage-choice,.mobile-actions { display:none!important; } }
.preview-notice { background:#eaf5f9; border-bottom:1px solid #c6e8f1; padding:.6rem 1.2rem; text-align:center; font-size:.8rem; color:#0f2f45; }
.no-js .plan-panel { display:grid!important; }
.no-js .menu { display:none; }
.no-js .nav { display:flex; position:static; flex-wrap:wrap; }
/* Keep the compact introduction clear of the sticky header at every breakpoint. */
.hero-v4 { margin-top:0; padding-top:4.5rem; }
.hero-v4 .eyebrow { color:var(--sky); }
.hero-person img { object-position:center 20%; }
@media(max-width:760px) { .hero-v4 { padding-top:1.8rem; } }
.hdr-dark { background:rgba(7,26,41,.97); }
.hero-v4 h1 { max-width:none; font-size:clamp(2.6rem,4.2vw,4rem); }
.hero-v4 a:focus-visible { outline-color:var(--sky); }
.no-js .plan-tabs { display:none; }
@media(max-width:760px) { .hero-v4 h1 { font-size:clamp(2.3rem,9.9vw,3.4rem); } }
.contact-goal { color:var(--accent); background:var(--sky-soft); border-radius:999px; padding:.35rem .8rem; width:fit-content; font-size:.82rem; font-weight:650; }

/* Home equity is the main borrower entry point; the rest of the practice stays accessible. */
.hero-v4 .hero-terms { font-size:.75rem; line-height:1.6; max-width:38rem; color:#bed1dc; margin-top:1rem; }
.hero-v4 .hero-proof { margin-top:1.25rem; }
.equity-first { display:grid; grid-template-columns:1.2fr .8fr; align-items:center; gap:3rem; margin-top:3.5rem; }
.equity-first h3 { font-size:1.8rem; }
.equity-first p:not(.eyebrow) { color:var(--ink-2); margin-top:1rem; }
.equity-stack { background:var(--wash); padding:1.5rem; border:1px solid var(--line-2); border-radius:var(--r-xl); text-align:center; }
.equity-stack>div { background:white; border:1px solid var(--line-2); border-radius:12px; padding:1rem; }
.equity-stack span,.equity-stack strong { display:block; }
.equity-stack>div span { color:var(--ink-2); font-size:.8rem; margin-bottom:.3rem; }
.equity-stack .stack-plus { font-size:1.5rem; line-height:1.6; color:var(--accent); }
.equity-stack>p { font-size:.8rem; }
.fixed-feature { display:grid; grid-template-columns:1.15fr .85fr; gap:4rem; align-items:center; }
.fixed-feature .lede { margin-top:1rem; }
.fixed-checklist { padding:2rem; border:1px solid var(--line-2); border-radius:var(--r-xl); background:#fff; }
.fixed-checklist h3 { font-size:1.3rem; }
.fixed-checklist ol,.fixed-checklist ul { padding-left:1.2rem; color:var(--ink-2); margin-block:1rem; }
.fixed-checklist li+li { margin-top:.7rem; }
.card-equity-feature { border:2px solid var(--accent); }
.equity-source { margin-top:1.5rem; }
.equity-head { max-width:65rem; margin-inline:auto; }
.equity-head .note { margin-top:1.2rem; max-width:54rem; }
@media(max-width:980px) { .fixed-feature,.equity-first { gap:2rem; } }
@media(max-width:760px) {
 .hero-v4 h1 { font-size:clamp(2.2rem,9.1vw,3.4rem); }
 .hero-v4 .hero-terms { font-size:.71rem; }
 .hero-v4 .hero-act .btn-inv { width:100%; }
 .equity-first,.fixed-feature { grid-template-columns:1fr; gap:1.5rem; }
 .equity-first { margin-top:2rem; }
 .fixed-checklist { padding:1.4rem; }
 .plan-tabs a { font-size:.75rem; line-height:1.35; text-align:center; }
 .hdr .brand-tag { display:none; }
}
.equity-first>*,.fixed-feature>* { min-width:0; }
.equity-first .eyebrow,.fixed-feature .eyebrow { white-space:normal; }