/* Purpose Home Loans stylesheet (warm direction). Production build 2026-10-15 from the approved mockup of 2026-10-02.
   Tokens follow REDESIGN-BRIEF.md: Jost, ink #16191D, blue #5E92CC / #3A6EA5 / #8DB8E6.
   Warm ground per Andrew's 2026-10-02 feedback. Radius 4px max. Light theme only. */

:root{
  --ink:#16191D; --text:#23272C; --muted:#645D54; --muted-dark:#B9C0C9;
  --ground:#F7F4EE; --tint:#EFE9DF; --card:#FFFFFF; --line:#E4DDD2; --line-dark:#3A4048;
  --blue:#3A6EA5; --blue-light:#5E92CC; --blue-dark:#8DB8E6; --cta:#2F5C8C;
  --font:'Jost',system-ui,-apple-system,'Segoe UI',sans-serif;
  --max:1200px; --gutter:24px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;font-family:var(--font);color:var(--text);background:var(--ground);line-height:1.55;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
a:hover{color:var(--ink)}
h1,h2,h3{margin:0;font-weight:500;line-height:1.1;color:var(--ink);letter-spacing:-0.01em}
h1{font-size:clamp(38px,5.2vw,66px);line-height:1.06}
h2{font-size:clamp(30px,3.4vw,42px)}
h3{font-size:22px;font-weight:600;letter-spacing:0}
p{margin:0}
.wrap{max-width:var(--max);margin:0 auto;padding:0 var(--gutter)}
.eyebrow{font-size:13px;font-weight:500;letter-spacing:.2em;text-transform:uppercase;color:var(--blue)}
.on-dark .eyebrow{color:var(--blue-dark)}
.muted{color:var(--muted)}
.lead{font-size:19px;line-height:1.55}
.small{font-size:13px;line-height:1.5}
.fine{font-size:12px;line-height:1.5}
:focus-visible{outline:3px solid var(--blue-light);outline-offset:3px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:52px;padding:0 26px;border-radius:4px;font:inherit;font-size:17px;font-weight:500;text-decoration:none;cursor:pointer;border:1px solid transparent;white-space:nowrap}
.btn-solid{background:var(--blue);color:#fff}
.btn-solid:hover{background:var(--cta);color:#fff}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:#fff}
.on-dark .btn-solid{background:var(--blue-dark);color:var(--ink)}
.on-dark .btn-solid:hover{background:#fff;color:var(--ink)}
.on-dark .btn-ghost{color:#fff;border-color:rgba(255,255,255,.55)}
.on-dark .btn-ghost:hover{background:#fff;color:var(--ink)}
.btn-play .dot{width:36px;height:36px;border-radius:50%;background:#fff;display:inline-flex;align-items:center;justify-content:center;margin-left:-14px}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}

/* topbar + header */
.topbar{background:var(--ink);color:var(--muted-dark);font-size:12.5px;letter-spacing:.03em;text-align:center;padding:10px var(--gutter);line-height:1.4}
.header{background:var(--card);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:88px}
.lockup{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.lockup svg{width:38px;height:56px;flex-shrink:0}
.lockup .l1{font-size:23px;letter-spacing:.16em;line-height:1}
.lockup .l2{display:flex;align-items:center;gap:8px;margin-top:3px}
.lockup .l2 span{font-size:10px;font-weight:500;letter-spacing:.42em;color:var(--blue);line-height:1}
.lockup .l2 i{display:block;width:30px;height:1px;background:var(--blue)}
.lockup .l3{font-size:12.5px;color:var(--muted);line-height:1.1;margin-top:4px}
.nav{display:flex;align-items:center;gap:26px;font-size:15px;font-weight:500}
.nav a{color:var(--ink);text-decoration:none;padding:6px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a[aria-current=page]{color:var(--blue);border-bottom-color:var(--blue)}
.nav .btn{min-height:46px;padding:0 20px;font-size:15px}
.nav .btn:hover{border-bottom-color:transparent}
.menu-toggle{display:none}

/* sections */
.section{padding:80px 0}
.section-tight{padding:56px 0}
.bg-ground{background:var(--ground)}
.bg-tint{background:var(--tint)}
.bg-card{background:var(--card)}
.bg-ink,.on-dark{background:var(--ink);color:#fff}
.on-dark h1,.on-dark h2,.on-dark h3{color:#fff}
.on-dark .muted{color:var(--muted-dark)}
.on-dark a{color:var(--blue-dark)}
.on-dark a:hover{color:#fff}
.section-head{display:flex;flex-wrap:wrap;align-items:baseline;justify-content:space-between;gap:12px 24px;margin-bottom:30px}
.stack{display:flex;flex-direction:column;gap:18px}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px;align-items:center}
.split.photo-left>img,.split.photo-right>img{width:100%;height:auto;border-radius:4px;object-fit:cover}
.split.photo-right>img{order:2}
.grid{display:grid;gap:16px}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media (max-width:900px){
  .section{padding:56px 0}
  .split{grid-template-columns:1fr;gap:28px}
  .split.photo-right>img{order:0}
  .grid-4,.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:600px){
  .grid-4,.grid-3,.grid-2{grid-template-columns:1fr}
  .btn{white-space:normal;text-align:center;padding:12px 18px}
  .btn-row{flex-direction:column;align-items:stretch}
}

/* cards */
.card{background:var(--card);border:1px solid var(--line);border-radius:4px;padding:26px;display:flex;flex-direction:column;gap:8px;color:var(--ink);text-decoration:none}
a.card:hover{border-color:var(--blue)}
.card h3{font-size:20px}
.card .more{margin-top:auto;padding-top:8px;font-size:15px;font-weight:500;color:var(--blue)}
.card.plain{background:transparent;border:none;padding:0}
.card-dark{background:rgba(255,255,255,.04);border:1px solid var(--line-dark);border-radius:4px;padding:22px 26px}

/* numbered list rows */
.rows{display:flex;flex-direction:column}
.rows .row{display:flex;gap:18px;padding:16px 0;border-top:1px solid var(--line)}
.rows .row:last-child{border-bottom:1px solid var(--line)}
.rows .n{font-size:14px;font-weight:500;color:var(--blue);width:26px;flex-shrink:0;padding-top:3px}
.rows .t{font-size:18px;font-weight:600;color:var(--ink)}
.rows .d{font-size:15px;color:var(--muted);margin-top:4px}

/* hero */
.hero{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);min-height:640px;background:var(--ink);color:#fff}
.hero .media{position:relative;min-height:320px}
.hero .media img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:left center}
.hero .media::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(22,25,29,0) 55%,rgba(22,25,29,1) 100%)}
.hero .copy{min-width:0;padding:72px 64px 64px 24px;display:flex;flex-direction:column;justify-content:center;gap:20px}
.hero .beat{font-size:clamp(20px,2vw,26px);line-height:1.3;color:var(--blue-dark)}
.hero .lead{color:var(--muted-dark)}
.hero .fine{color:var(--muted-dark)}
@media (max-width:900px){
  .hero{grid-template-columns:1fr}
  .hero .media{min-height:300px}
  .hero .media::after{background:linear-gradient(180deg,rgba(22,25,29,0) 60%,rgba(22,25,29,1) 100%)}
  .hero .copy{padding:8px 24px 48px}
}

/* page hero (interior pages, dark band with optional side card) */
.page-hero{padding:80px 0}
.page-hero .inner{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,.9fr);gap:56px;align-items:center}
@media (max-width:900px){.page-hero{padding:56px 0}.page-hero .inner{grid-template-columns:1fr;gap:28px}}

/* quiz cards */
.quiz .grid a{padding:22px}
.quiz .grid a span:first-child{font-size:19px;font-weight:600}
.quiz .grid a span:last-child{font-size:14px;color:var(--muted)}

/* proof band */
.proof{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:24px}
.proof .v{font-size:44px;font-weight:500;color:var(--blue-dark);line-height:1}
.proof .k{font-size:15px;color:var(--muted-dark);margin-top:6px;line-height:1.4}
.proof-foot{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px 40px;margin-top:26px;font-size:12px;line-height:1.5;color:var(--muted-dark)}
.proof-foot a{font-size:15px;font-weight:500;white-space:nowrap}
@media (max-width:900px){.proof{grid-template-columns:repeat(2,minmax(0,1fr))}}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:28px}
.steps>div{border-top:2px solid var(--ink);padding-top:18px}
.steps .n{font-size:15px;font-weight:500;color:var(--blue)}
.steps h3{font-size:20px;margin:6px 0 8px}
.steps p{font-size:15px;color:var(--muted)}
@media (max-width:900px){.steps{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.steps{grid-template-columns:1fr}}

/* stories */
.story{background:var(--card);border-radius:4px;padding:32px;display:flex;flex-direction:column;gap:14px}
.story p{font-size:17px;line-height:1.6;color:var(--ink)}
.story .take{font-weight:600}

/* link lists */
.links a{display:flex;justify-content:space-between;gap:16px;padding:13px 0;border-top:1px solid var(--line);text-decoration:none;color:var(--ink);font-size:17px;font-weight:500}
.links a:last-child{border-bottom:1px solid var(--line)}
.links a span:last-child{color:var(--blue)}

/* program tabs (static in the mockup) */
.mtabs{display:flex;flex-wrap:wrap;gap:4px;border-bottom:1px solid var(--line);margin-bottom:24px}
.mtabs button{font:inherit;font-size:16px;font-weight:500;padding:14px 20px;background:none;border:none;border-bottom:3px solid transparent;color:var(--muted);cursor:pointer}
.mtabs button[aria-selected=true]{color:var(--blue);border-bottom-color:var(--blue)}

/* faq */
.faq details{border-top:1px solid var(--line)}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:20px 0;font-size:19px;font-weight:600;color:var(--ink);display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-weight:400;color:var(--blue);font-size:24px;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq .a{padding:0 0 22px;font-size:16px;line-height:1.6;color:var(--muted);max-width:760px}

/* forms */
.form{background:var(--card);border:1px solid var(--line);border-radius:4px;padding:28px;display:flex;flex-direction:column;gap:14px}
.form label{font-size:14px;font-weight:500;color:var(--muted);display:block;margin-bottom:6px}
.form input,.form select{width:100%;font:inherit;font-size:16px;height:46px;padding:0 12px;border:1px solid var(--line);border-radius:4px;background:#fff;color:var(--ink)}
.form .two{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
@media (max-width:600px){.form .two{grid-template-columns:1fr}}
.consent{font-size:12px;line-height:1.5;color:var(--muted)}

/* calculator engine theme bridge: calc.css uses the old token names */
.calc-embed{--surface:#F7F4EE;--card:#FFFFFF;--ink:#16191D;--ink-2:#645D54;--ink-3:#8A857D;--line:#E4DDD2;--line-2:#D6CFC3;--accent:#3A6EA5;--accent-deep:#2F5C8C;--accent-ink:#FFFFFF;--accent-soft:#E8EFF7;--c1:#B0742A;--c2:#2C5C9E;--c3:#12805A;--c4:#6E56B8;--c5:#C0504A;--shadow:0 1px 2px rgba(22,25,29,.05),0 4px 14px rgba(22,25,29,.06);--serif:var(--font);--sans:var(--font)}

/* booking */
.booking{background:var(--card);color:var(--ink);border-radius:4px;padding:24px;display:flex;flex-direction:column;gap:14px}
.booking .who{display:flex;align-items:center;gap:14px}
.booking .who img{width:56px;height:56px;object-fit:cover;object-position:50% 20%;border-radius:4px}
.booking iframe{width:100%;min-height:680px;border:0;border-radius:4px;background:#fff}
.booking[hidden]{display:none}

/* cta + footer */
.cta{background:var(--cta);color:#fff;text-align:center;padding:64px 0}
.cta h2{color:#fff}
.cta p{color:#fff;font-size:18px;margin:14px 0 24px}
.cta .btn-row{justify-content:center}
.cta .btn-solid{background:#fff;color:var(--ink)}
.cta .btn-ghost{color:#fff;border-color:#fff}
.cta .btn-ghost:hover{background:#fff;color:var(--ink)}
.footer{background:var(--ink);color:var(--muted-dark);padding:64px 0 36px}
.footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.footer .lockup{color:#fff}
.footer .lockup .l2 span{color:var(--blue-dark)}
.footer .lockup .l2 i{background:var(--blue-dark)}
.footer .lockup .l3{color:var(--muted-dark)}
.footer .tag{font-size:17px;color:#fff;margin-top:14px}
.footer .tag-es{font-size:17px;color:var(--muted-dark)}
.footer h4{margin:0 0 10px;font-size:13px;font-weight:500;letter-spacing:.2em;color:var(--blue-dark)}
.footer .cols a:not(.lockup){display:block;color:var(--muted-dark);text-decoration:none;font-size:15px;padding:4px 0}
.footer .cols a:hover{color:#fff}
.footer .legal{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;border-top:1px solid var(--line-dark);margin-top:40px;padding-top:22px;font-size:13px;line-height:1.6}
.footer .legal a{color:var(--muted-dark)}
@media (max-width:900px){.footer .cols{grid-template-columns:1fr 1fr}.footer .legal{flex-direction:column;align-items:flex-start}}
@media (max-width:600px){.footer .cols{grid-template-columns:1fr}}


/* quiz */
.quiz-wrap{max-width:760px;margin:0 auto;padding:40px var(--gutter) 80px}
.progress{height:4px;background:var(--line);border-radius:2px;overflow:hidden;margin-bottom:22px}
.progress i{display:block;height:100%;background:var(--blue);transition:width .3s}
@media (prefers-reduced-motion:reduce){.progress i{transition:none}}
.quiz-screen{background:var(--card);border:1px solid var(--line);border-radius:4px;padding:36px;position:relative}
.quiz-step-label{font-size:13px;font-weight:500;letter-spacing:.2em;text-transform:uppercase;color:var(--blue);margin-bottom:10px}
.quiz-q{font-size:clamp(26px,3.2vw,36px);outline:none}
.quiz-sub{font-size:16px;color:var(--muted);margin:10px 0 24px;min-height:1em}
.quiz-back{position:absolute;top:14px;right:14px;display:inline-flex;align-items:center;gap:6px;font:inherit;font-size:14px;font-weight:500;color:var(--muted);background:none;border:1px solid var(--line);border-radius:4px;padding:8px 12px;cursor:pointer}
.quiz-back:hover{color:var(--ink);border-color:var(--ink)}
.opts{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.opt{display:flex;align-items:center;gap:14px;min-height:68px;padding:16px 18px;border:1px solid var(--line);border-radius:4px;background:#fff;font:inherit;font-size:17px;font-weight:500;color:var(--ink);text-align:left;cursor:pointer}
.opt svg{color:var(--blue);flex-shrink:0}
.opt:hover{border-color:var(--blue)}
.opt[aria-pressed=true]{border-color:var(--blue);background:#E8EFF7}
@media (max-width:520px){.opts{grid-template-columns:1fr}.quiz-screen{padding:26px 20px}}
.quiz-form{display:flex;flex-direction:column;gap:14px;max-width:460px}
.qf-field label{display:block;font-size:14px;font-weight:500;color:var(--muted);margin-bottom:6px}
.qf-field input,.qf-field select{width:100%;font:inherit;font-size:16px;height:48px;padding:0 12px;border:1px solid var(--line);border-radius:4px;background:#fff;color:var(--ink)}
.qf-hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.quiz-note{font-size:15px;line-height:1.5;color:var(--ink);background:var(--tint);border-radius:4px;padding:12px 14px}
.quiz-note[hidden]{display:none}

/* skip link */
.skip{position:absolute;left:-9999px;top:8px;background:var(--ink);color:#fff;padding:10px 14px;border-radius:4px;z-index:50;font-weight:500}
.skip:focus{left:12px}

/* program groups */
.pgroup{border-top:1px solid var(--line)}
.pgroup:last-of-type{border-bottom:1px solid var(--line)}
.pgroup summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 0;font-size:22px;font-weight:600;color:var(--ink)}
.pgroup summary::-webkit-details-marker{display:none}
.pgroup .pcount{font-size:14px;font-weight:500;color:var(--blue)}
.pgroup[open] summary .pcount{color:var(--muted)}

/* hero with a portrait photo (interim, until the new hero photo is shot) */
.hero .media.portrait img{object-position:50% 12%}
.hero .media.portrait::after{background:linear-gradient(90deg,rgba(22,25,29,0) 70%,rgba(22,25,29,1) 100%)}
@media (max-width:900px){.hero .media.portrait{min-height:380px}.hero .media.portrait::after{background:linear-gradient(180deg,rgba(22,25,29,0) 72%,rgba(22,25,29,1) 100%)}}

/* ---- 2026-10-04 review round: contact and apply at the top of every page ---- */
.topbar{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:4px 28px;text-align:left;padding:9px max(var(--gutter),calc((100vw - var(--max))/2 + var(--gutter)))}
.topbar .reach{display:inline-flex;gap:22px;font-size:14.5px;font-weight:500;letter-spacing:0}
.topbar .reach a{color:#fff;text-decoration:none;display:inline-flex;align-items:center;gap:7px}
.topbar .reach a:hover{color:var(--blue-dark)}
.btn svg{flex-shrink:0}
.btn-sm{min-height:46px;padding:0 18px;font-size:16px}
.nav{gap:20px}
.nav .btn{padding:0 16px}
.nav .btn-ghost{border-color:var(--ink)}
.nav .btn-ghost:hover{background:var(--ink);color:#fff}
.quickbar{display:none}
.actions{display:flex;flex-direction:column;gap:10px}
.ast{text-decoration:none;color:inherit}
@media (max-width:760px){
  .topbar{justify-content:center;text-align:center;font-size:11.5px;padding:7px 14px}
  .topbar .reach{display:none}
  .header .wrap{min-height:72px}
  .quickbar{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));border-top:1px solid var(--line)}
  .quickbar a{display:flex;align-items:center;justify-content:center;gap:8px;min-height:46px;font-size:15.5px;font-weight:500;color:var(--ink);text-decoration:none;border-right:1px solid var(--line)}
  .quickbar a:last-child{border-right:none;background:var(--blue);color:#fff}
  .quickbar svg{color:var(--blue)}
  .quickbar a:last-child svg{color:#fff}
  #hdrCall{display:none} /* deal-review: the quickbar right below already has Call and Text; the box crushed the logo at 360px */
}

/* investor program blocks: every card visible, grouped by what the investor is trying to do */
.chips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:8px}
.chips a{display:inline-flex;align-items:center;min-height:40px;padding:0 16px;border:1px solid var(--line);border-radius:4px;background:var(--card);color:var(--ink);font-size:15px;font-weight:500;text-decoration:none}
.chips a:hover{border-color:var(--blue);color:var(--blue)}
.pblock{display:grid;grid-template-columns:minmax(0,270px) minmax(0,1fr);gap:20px 44px;padding:36px 0;border-top:1px solid var(--line);scroll-margin-top:150px}
.pblock .ph .n{font-size:13px;font-weight:500;letter-spacing:.2em;text-transform:uppercase;color:var(--blue);margin-bottom:8px}
.pblock .ph h3{font-size:28px;font-weight:500;line-height:1.15}
.pblock .ph p{color:var(--muted);margin-top:10px}
.pblock .cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.pblock .cards.two{grid-template-columns:repeat(2,minmax(0,1fr))}
.pblock .card{padding:22px}
.pblock .card h3{font-size:19px}
.pblock .card p{font-size:15.5px}
@media (max-width:1000px){.pblock{grid-template-columns:1fr}.pblock .cards{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.pblock .cards,.pblock .cards.two{grid-template-columns:1fr}}

/* tool and guide cards on the home page */
.tool .ico{width:44px;height:44px;border-radius:4px;background:#E8EFF7;color:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:6px}
.guides{display:flex;flex-wrap:wrap;align-items:center;gap:10px 14px;margin-top:28px;padding-top:24px;border-top:1px solid var(--line)}
.guides .lbl{font-weight:600;color:var(--ink);margin-right:6px}

/* page hero with a photo */
.page-hero .shot{position:relative}
.page-hero .shot img{width:100%;border-radius:4px;object-fit:cover}
.page-hero .shot figcaption{font-size:14px;color:var(--muted-dark);margin-top:10px}
.page-hero figure{margin:0}
.steps.three{grid-template-columns:repeat(3,minmax(0,1fr))}
@media (max-width:900px){.steps.three{grid-template-columns:1fr}}

/* realtor page: booking card with the portrait, and the callback strip */
.booking .who img{width:104px;height:128px}
.booking .who .t{font-size:22px;font-weight:600;line-height:1.15}
.form-strip{display:grid;grid-template-columns:repeat(4,minmax(0,1fr)) auto;gap:12px;align-items:end}
@media (max-width:900px){.form-strip{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:600px){.form-strip{grid-template-columns:1fr}}

/* header menu: a button with aria-expanded toggles .open on .navwrap (inline script at the end of each page) */
.navwrap{position:relative;display:flex;align-items:center}
@media (max-width:1240px){
  .navwrap .nav{display:none}
  .menu-toggle{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;padding:0;border:1px solid var(--line);border-radius:4px;background:#fff;color:var(--ink);font:inherit;cursor:pointer}
  .navwrap.open .nav{display:flex;flex-direction:column;align-items:stretch;gap:0;position:absolute;right:0;top:56px;background:#fff;border:1px solid var(--line);border-radius:4px;min-width:250px;padding:8px;box-shadow:0 12px 30px rgba(22,25,29,.12);z-index:30}
  .navwrap.open .nav a{padding:12px 14px;border-bottom:none;border-radius:4px}
  .navwrap.open .nav a:hover{background:var(--ground)}
  .navwrap.open .nav .btn{margin-top:6px;justify-content:center}
  .navwrap.open .nav .btn-solid{background:var(--blue);color:#fff}
}
.booking .muted,.on-dark .booking .muted{color:var(--muted)}
.on-dark .booking a:not(.btn){color:var(--blue)}
.on-dark .booking .btn-solid{background:var(--blue);color:#fff}
.booking .who img{object-position:50% 12%}
.pblock .card .eyebrow{font-size:12px;letter-spacing:.14em}

/* ---- 2026-10-04, second pass: shorter home page ---- */
.pathlinks{display:flex;flex-wrap:wrap;align-items:center;gap:6px 22px;margin-top:22px;font-size:16px}
.pathlinks span{color:var(--muted)}
.pathlinks a{font-weight:500;text-decoration:none;border-bottom:1px solid currentColor;padding-bottom:1px}
.free{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:28px;margin-top:6px}
.free h3{font-size:13px;font-weight:500;letter-spacing:.2em;text-transform:uppercase;color:var(--blue);margin-bottom:10px}
.free a{display:block;padding:11px 0;border-top:1px solid var(--line);color:var(--ink);text-decoration:none;font-weight:500;font-size:16.5px;line-height:1.35}
.free a:hover{color:var(--blue)}
.free a.all{color:var(--blue);font-size:15px}
@media (max-width:760px){.free{grid-template-columns:1fr;gap:22px}}

/* phones: calculators fold behind one button, program cards tighten up */
.fold-btn{display:none}
@media (max-width:760px){
  .fold-btn{display:flex;width:100%}
  .fold-btn[aria-expanded=false] ~ .calc-embed{display:none}
  .fold-btn[aria-expanded=true]{display:none}
  .section{padding:44px 0}
  .section-tight{padding:36px 0}
  .card{padding:18px}
  .card h3{font-size:18px}
  .pblock{padding:26px 0;gap:14px}
  .pblock .ph h3{font-size:24px}
  .pblock .card{padding:16px}
  .pblock .card p{font-size:15px;line-height:1.45}
  .pblock .cards{gap:10px}
  .story{padding:22px}
  .story p{font-size:16px}
  .hero .media.portrait{min-height:300px}
  .page-hero{padding:40px 0}
  .faq summary{padding:16px 0;font-size:17px}
  .cta{padding:48px 0}
}

/* Google reviews block (reviews.js fills it; waiting state until the profile is connected) */
.greviews{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:40px;align-items:start}
.gsum{display:flex;flex-direction:column;gap:10px;align-items:flex-start}
.grate{display:flex;align-items:baseline;gap:12px}
.grate .big{font-size:52px;font-weight:500;color:var(--ink);line-height:1}
.gstars,.rstars{color:var(--blue);letter-spacing:.08em;font-size:20px;white-space:nowrap}
.rcards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.rcard{background:var(--ground);border:1px solid var(--line);border-radius:4px;padding:20px;display:flex;flex-direction:column;gap:10px;min-height:170px}
.rhead{display:flex;justify-content:space-between;align-items:baseline;gap:10px}
.rname{font-weight:600;color:var(--ink)}
.rstars{font-size:15px}
.rtext{font-size:15.5px;line-height:1.55;color:var(--text)}
.rwhen{font-size:13px;color:var(--muted);margin-top:auto}
.rcard.waiting .rname,.rcard.waiting .rstars,.rcard.waiting .rtext{display:block;background:var(--line);border-radius:3px;min-height:14px}
.rcard.waiting .rname{width:40%}.rcard.waiting .rstars{width:30%}.rcard.waiting .rtext{width:100%;min-height:40px}.rcard.waiting .rtext.short{width:60%;min-height:14px}
@media (max-width:900px){.greviews{grid-template-columns:1fr;gap:24px}.rcards{grid-template-columns:1fr}}

/* FAQ and "Free resources" splits: the column ratio lives here, not in an
   inline style, so the 900px breakpoint can stack them (2026-10-16). */
.split.faq-split{grid-template-columns:minmax(0,.7fr) minmax(0,1.3fr);align-items:start}
.split.free-split{grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);align-items:start}
@media (max-width:900px){.split.faq-split,.split.free-split{grid-template-columns:1fr}}

/* Header buttons: ".nav a" must not recolor them. The solid button keeps
   white text in every state, desktop and open menu (2026-10-16). */
.nav a.btn-solid,.nav a.btn-solid:link,.nav a.btn-solid:visited,.nav a.btn-solid:focus,.nav a.btn-solid:focus-visible{background:var(--blue);color:#fff;border-bottom-color:transparent}
.nav a.btn-solid:hover,.nav a.btn-solid:active{background:var(--cta);color:#fff;border-bottom-color:transparent}
.nav a.btn-ghost,.nav a.btn-ghost:link,.nav a.btn-ghost:visited,.nav a.btn-ghost:focus{background:#fff;color:var(--ink);border-color:var(--ink)}
.nav a.btn-ghost:hover,.nav a.btn-ghost:active{background:var(--ink);color:#fff;border-color:var(--ink)}
.navwrap.open .nav a.btn-solid,.navwrap.open .nav a.btn-solid:focus{background:var(--blue);color:#fff}
.navwrap.open .nav a.btn-solid:hover,.navwrap.open .nav a.btn-solid:active{background:var(--cta);color:#fff}
.navwrap.open .nav a.btn-ghost,.navwrap.open .nav a.btn-ghost:focus{background:#fff;color:var(--ink)}
.navwrap.open .nav a.btn-ghost:hover,.navwrap.open .nav a.btn-ghost:active{background:var(--ink);color:#fff}

/* Form outcome messages: accepted (role=status) and failed (role=alert). */
.form-msg{border-radius:4px;padding:14px 16px;font-size:15.5px;line-height:1.5;margin:14px 0 0}
.form-msg p{margin:0 0 8px}
.form-msg p:last-child{margin-bottom:0}
.form-msg.fail{background:#FBEDEC;border:1px solid #C0504A;color:var(--ink)}
.form-msg.fail strong{color:#8E2F2A}
.form-msg .alt{display:flex;flex-wrap:wrap;gap:8px 18px;font-weight:500}

/* TCPA consent checkbox on every lead form (Edge marketing rules, 2026-10-27):
   unchecked by default, required, full-size readable text next to the box. */
.tcpa{display:flex;align-items:flex-start;gap:12px}
.tcpa input[type=checkbox]{flex:none;width:22px;height:22px;margin:1px 0 0;padding:0;accent-color:var(--blue);cursor:pointer}
.tcpa label,.form .tcpa label{display:block;margin:0;font-size:13.5px;font-weight:400;line-height:1.55;color:var(--text);cursor:pointer}
.tcpa-err{margin:-4px 0 0 34px;font-size:14.5px;font-weight:500;line-height:1.45;color:#8E2F2A}
.form-actions{display:flex;flex-wrap:wrap;gap:12px}
.footer .gov-note{display:inline-block;margin-top:6px}

/* Home and Spanish hero on phones (2026-10-29): the button sits right after the beat line,
   above the lead paragraph, and the portrait is a little shorter, so the button shows on the
   first screen of a 375x812 phone. Desktop order unchanged. */
@media (max-width:600px){
  .hero .media.portrait{min-height:250px}
  .hero .copy{gap:14px}
  .hero .copy > .lead{order:1}
}