:root {
  --navy: #061b31;
  --navy-2: #0d253d;
  --indigo: #1c1e54;
  --gold: #c79a3b;
  --gold-2: #e3c985;
  --cream: #f6efe3;
  --surface: #ffffff;
  --surface-soft: #f5f5f7;
  --ink: #162033;
  --muted: #64748d;
  --line: #e5edf5;
  --shadow-blue: rgba(50, 50, 93, 0.25) 0 30px 45px -30px, rgba(0, 0, 0, 0.1) 0 18px 36px -18px;
  --shadow-soft: rgba(23, 23, 23, 0.08) 0 15px 35px 0;
  --radius: 8px;
  --container: 1160px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--surface);
  font-family: "Manrope", ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.55;
  text-rendering: optimizeLegibility;
}
body::selection { background: rgba(199, 154, 59, 0.25); }
img, svg { display: block; max-width: 100%; }
a { color: inherit; }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid rgba(199, 154, 59, 0.95);
  outline-offset: 3px;
}
.skip-link {
  position: absolute;
  left: 1rem;
  top: 1rem;
  z-index: 100;
  transform: translateY(-150%);
  border-radius: var(--radius);
  background: var(--navy);
  color: #fff;
  padding: .75rem 1rem;
  text-decoration: none;
}
.skip-link:focus { transform: translateY(0); }
.container { width: min(100% - 2rem, var(--container)); margin-inline: auto; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  border-bottom: 1px solid rgba(229, 237, 245, .58);
  background: rgba(255, 255, 255, .78);
  -webkit-backdrop-filter: saturate(150%) blur(14px);
  backdrop-filter: saturate(150%) blur(14px);
  transition: background 260ms ease, border-color 260ms ease, box-shadow 260ms ease, backdrop-filter 260ms ease;
}
.site-header.is-scrolled {
  border-bottom-color: rgba(6,27,49,.08);
  background: rgba(255,255,255,.9);
  -webkit-backdrop-filter: saturate(180%) blur(22px);
  backdrop-filter: saturate(180%) blur(22px);
  box-shadow: 0 12px 34px rgba(6,27,49,.075);
}
.header-inner {
  min-height: 58px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.2rem;
}
.brand { display: inline-flex; align-items: center; color: var(--navy); text-decoration: none; min-width: 0; transition: transform 220ms ease, filter 220ms ease; }
.brand:hover { transform: translateY(-1px) scale(1.015); filter: drop-shadow(0 10px 18px rgba(6, 27, 49, .14)); }
.brand-logo { width: clamp(190px, 20vw, 270px); height: auto; max-height: 50px; object-fit: contain; border-radius: 0; }
.desktop-nav { display: flex; align-items: center; gap: 1.05rem; margin-inline: auto; color: rgba(6, 27, 49, .78); font-size: .92rem; font-weight: 800; letter-spacing: .005em; }
.desktop-nav a, .phone-link, .tools-trigger { position: relative; text-decoration: none; transition: color 280ms cubic-bezier(.22,1,.36,1), transform 280ms cubic-bezier(.22,1,.36,1); }
.tools-menu { position: relative; display: inline-flex; align-items: center; }
.tools-menu::after { content: ""; position: absolute; left: -1rem; right: -1rem; top: 100%; height: 1.05rem; }
.tools-trigger { appearance: none; border: 0; background: transparent; color: inherit; cursor: pointer; font: inherit; font-weight: 800; padding: .32rem .1rem; }
.tools-trigger::after { content: ""; display: inline-block; width: .38rem; height: .38rem; margin-left: .38rem; border-right: 1.8px solid currentColor; border-bottom: 1.8px solid currentColor; transform: translateY(-2px) rotate(45deg); opacity: .68; transition: transform 300ms cubic-bezier(.22,1,.36,1), opacity 300ms cubic-bezier(.22,1,.36,1); }
.tools-mega { position: absolute; top: calc(100% + .48rem); left: 50%; width: min(360px, calc(100vw - 2rem)); transform: translateX(-50%) translateY(8px); opacity: 0; visibility: hidden; pointer-events: none; display: grid; gap: .45rem; border: 1px solid rgba(6,27,49,.10); border-radius: 20px; background: rgba(255,255,255,.94); -webkit-backdrop-filter: blur(22px) saturate(155%); backdrop-filter: blur(22px) saturate(155%); box-shadow: 0 24px 60px rgba(6,27,49,.14), 0 1px 0 rgba(255,255,255,.85) inset; padding: .65rem; transition: opacity 300ms cubic-bezier(.22,1,.36,1), transform 300ms cubic-bezier(.22,1,.36,1), visibility 0s linear .16s; }
.tools-menu:hover .tools-mega, .tools-menu:focus-within .tools-mega { opacity: 1; visibility: visible; pointer-events: auto; transform: translateX(-50%) translateY(0); transition-delay: 0s; }
.tools-menu:hover .tools-trigger, .tools-menu:focus-within .tools-trigger { color: var(--gold); }
.tools-menu:hover .tools-trigger::after, .tools-menu:focus-within .tools-trigger::after { transform: translateY(0) rotate(225deg); opacity: .95; }
.tools-mega-item { display: grid; grid-template-columns: 38px 1fr; align-items: center; gap: .78rem; border-radius: 15px; padding: .78rem; color: var(--navy) !important; text-decoration: none; background: rgba(246,239,227,.36); transition: background 300ms cubic-bezier(.22,1,.36,1), transform 300ms cubic-bezier(.22,1,.36,1); }
.tools-mega-item:hover, .tools-mega-item:focus-visible { background: rgba(246,239,227,.72); transform: translateY(-1px); }
.tools-mega-item::after { display: none !important; }
.tools-mega-item small, .tools-mega-item strong { display: block; }
.tools-mega-item strong { font-size: .92rem; line-height: 1.2; }
.tools-mega-item small { margin-top: .16rem; color: var(--muted); font-size: .78rem; font-weight: 700; letter-spacing: 0; }
.tools-mega-item.is-muted { background: rgba(255,255,255,.58); }
.tools-icon { width: 38px; height: 38px; display: grid; place-items: center; border-radius: 12px; background: linear-gradient(135deg, var(--navy), #153d62); color: #fff; font-size: .96rem; box-shadow: 0 10px 20px rgba(6,27,49,.12); }
.desktop-nav a::after, .phone-link::after { content: ""; position: absolute; left: 0; right: 0; bottom: -.35rem; height: 2px; background: linear-gradient(90deg, var(--gold), var(--gold-2)); transform: scaleX(0); transform-origin: left; transition: transform 300ms cubic-bezier(.22,1,.36,1); }
.desktop-nav a:hover, .phone-link:hover { color: var(--gold); transform: translateY(-1px); }
.desktop-nav a:hover::after, .phone-link:hover::after { transform: scaleX(1); }
.header-controls { display: flex; align-items: center; gap: .85rem; }
.phone-link { display: inline-flex; align-items: center; color: var(--navy); font-weight: 700; white-space: nowrap; }
.language-switch { display: inline-flex; border: 1px solid var(--line); border-radius: 999px; background: #fff; padding: .18rem; box-shadow: rgba(23,23,23,.04) 0 3px 10px; }
.language-button { min-width: 64px; min-height: 34px; border: 0; border-radius: 999px; background: transparent; color: var(--navy); cursor: pointer; font: inherit; font-size: .84rem; font-weight: 700; }
.language-button[aria-pressed="true"] { background: var(--navy); color: #fff; }

.hero {
  position: relative;
  min-height: calc(100svh - 58px);
  display: grid;
  align-items: center;
  overflow: hidden;
  color: #fff;
  background: #070b12;
}
.hero-bg {
  position: absolute;
  inset: 0;
  --hero-parallax-y: 0px;
  background:
    linear-gradient(90deg, rgba(6, 27, 49, .58) 0%, rgba(13, 37, 61, .30) 44%, rgba(227, 201, 133, .04) 74%, rgba(255, 255, 255, .02) 100%),
    linear-gradient(0deg, rgba(6,27,49,.24), rgba(255,255,255,.02) 52%, rgba(227,201,133,.20)),
    url("assets/california-family-moving-home.jpg") 66% center / cover;
  transform: translate3d(0, var(--hero-parallax-y), 0) scale(1.015);
  transform-origin: 68% 48%;
  will-change: transform;
  animation: heroSlowZoom 24s cubic-bezier(.22,1,.36,1) forwards;
}
.hero::before {
  content: "";
  position: absolute;
  inset: -18% -12%;
  pointer-events: none;
  z-index: 0;
  opacity: .5;
  background:
    radial-gradient(circle at 78% 32%, rgba(244,217,141,.18), transparent 28%),
    radial-gradient(circle at 18% 78%, rgba(91,128,160,.16), transparent 35%);
  transform: translate3d(-1.5%, 0, 0);
  animation: ambientLightDrift 14s ease-in-out infinite alternate;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  background:
    linear-gradient(0deg, rgba(6, 27, 49, .56) 0%, transparent 34%),
    linear-gradient(115deg, rgba(6,27,49,.08), rgba(255,255,255,.06) 50%, rgba(227,201,133,.08));
  opacity: .88;
  animation: heroOverlayDrift 12s ease-in-out infinite alternate;
}
.hero-content { position: relative; z-index: 1; padding-block: clamp(2.6rem, 6vh, 4.8rem) 3rem; transform: translateY(-2.5vh); }
.eyebrow { margin: 0 0 .8rem; color: var(--gold-2); font-size: .76rem; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.hero-eyebrow { color: #f4d98d; }
/* Compact Apple/Stripe-style glass pill. Keep it one-line for every rotating phrase. */
.hero-rotating-title {
  display: inline-flex;
  flex-wrap: nowrap;
  align-items: center;
  gap: .34rem;
  max-width: calc(100vw - 2rem);
  margin: 0 0 .82rem;
  color: rgba(255,255,255,.84);
  font-size: clamp(.76rem, 1.15vw, .94rem);
  font-weight: 700;
  line-height: 1;
  letter-spacing: .005em;
  white-space: nowrap;
  border: 1px solid rgba(255,255,255,.18);
  border-radius: 999px;
  background: linear-gradient(135deg, rgba(255,255,255,.115), rgba(255,255,255,.038));
  -webkit-backdrop-filter: blur(22px) saturate(155%);
  backdrop-filter: blur(22px) saturate(155%);
  box-shadow: 0 10px 30px rgba(0,0,0,.10), inset 0 1px 0 rgba(255,255,255,.18);
  padding: .42rem .62rem;
}
.rotating-prefix { flex: 0 0 auto; color: rgba(255,255,255,.76); }
.rotating-phrase {
  display: inline-block;
  flex: 0 1 auto;
  max-width: min(64vw, 34ch);
  overflow: hidden;
  color: #fff1b7;
  font: inherit;
  font-weight: 800;
  letter-spacing: -.006em;
  text-overflow: ellipsis;
  white-space: nowrap;
  text-shadow: 0 1px 18px rgba(255,232,166,.22);
  transition: opacity 260ms ease, transform 260ms ease;
}
.rotating-phrase.is-changing { opacity: 0; transform: translateY(6px); }
h1, h2, h3, p { overflow-wrap: anywhere; }
h1, h2, h3 { margin: 0; font-family: "Cormorant Garamond", Georgia, "Times New Roman", serif; line-height: .98; letter-spacing: -.035em; text-wrap: balance; }
h1 { max-width: 860px; font-size: clamp(2.85rem, 5.4vw, 5.25rem); font-weight: 700; }
h2 { font-size: clamp(2.25rem, 4.5vw, 4.8rem); font-weight: 700; }
h3 { font-size: clamp(1.35rem, 2.1vw, 1.75rem); font-weight: 700; letter-spacing: -.025em; }
.hero-text { max-width: 700px; margin: 1.2rem 0 0; color: rgba(255,255,255,.86); font-size: clamp(1.08rem, 2vw, 1.38rem); letter-spacing: -.01em; }
.hero-actions, .contact-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.45rem; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 48px;
  border: 1px solid transparent;
  border-radius: 999px;
  padding: .82rem 1.2rem;
  font-weight: 700;
  text-decoration: none;
  text-align: center;
  cursor: pointer;
  position: relative; overflow: hidden; isolation: isolate; transition: transform 200ms ease, background 200ms ease, border-color 200ms ease, box-shadow 200ms ease, color 200ms ease;
}
.button::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(120deg, transparent 0%, rgba(255,255,255,.42) 45%, transparent 75%); transform: translateX(-120%); transition: transform 520ms ease; }
.button:hover { transform: translateY(-3px); box-shadow: rgba(6,27,49,.22) 0 18px 36px; }
.button:hover::before { transform: translateX(120%); }
.button:active { transform: translateY(-1px) scale(.99); }
.button.primary { background: #fff; color: var(--navy); box-shadow: rgba(0,0,0,.22) 0 10px 28px; }
.button.primary:hover { background: var(--gold-2); }
.button.secondary { border-color: rgba(255,255,255,.38); color: #fff; background: rgba(255,255,255,.08); backdrop-filter: blur(16px); }
.button.secondary:hover { background: rgba(255,255,255,.16); }
.button.secondary.light { color: var(--navy); border-color: rgba(6,27,49,.14); background: #fff; box-shadow: none; }
.button.dark { background: var(--navy); color: #fff; box-shadow: var(--shadow-blue); }
.form-submit { width: 100%; border: 0; background: var(--navy); color: #fff; box-shadow: none; }
.hero-trust-strip { display: flex; flex-wrap: wrap; gap: .7rem; margin-top: clamp(1.4rem, 3vh, 2.4rem); color: rgba(255,255,255,.88); }
.hero-trust-strip span { border: 1px solid rgba(255,255,255,.2); border-radius: 999px; background: rgba(255,255,255,.08); padding: .55rem .8rem; backdrop-filter: blur(18px); font-size: .9rem; }

.loan-programs-section, .contact-section { padding-block: clamp(4.5rem, 9vw, 8rem); }
.reviews-section { position: relative; z-index: 2; margin-top: -1.35rem; padding-bottom: clamp(4rem, 7vw, 6.6rem); }
.reviews-card { display: grid; grid-template-columns: minmax(0, .66fr) minmax(440px, 1fr); gap: clamp(2.4rem, 6vw, 5rem); align-items: center; border: 0; border-radius: 32px; background: linear-gradient(135deg, rgba(255,255,255,.82), rgba(255,255,255,.58)); -webkit-backdrop-filter: blur(26px) saturate(145%); backdrop-filter: blur(26px) saturate(145%); box-shadow: 0 24px 60px rgba(6,27,49,.075), 0 1px 0 rgba(255,255,255,.86) inset; padding: clamp(1.9rem, 4.8vw, 3.35rem); }
.reviews-kicker { margin: 0 0 .62rem; color: var(--gold); font-size: .76rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; }
.reviews-card h2 { color: var(--navy); font-size: clamp(2rem, 3.4vw, 3.25rem); }
.reviews-card p { margin: .9rem 0 0; color: var(--muted); max-width: 540px; }
.trust-signals { display: flex; flex-wrap: wrap; gap: 1.2rem; margin-top: clamp(1.6rem, 3vw, 2.2rem); }
.trust-signals span { display: grid; gap: .15rem; min-width: 132px; }
.trust-signals strong { color: var(--navy); font-size: clamp(1.45rem, 2.6vw, 2.05rem); line-height: 1; letter-spacing: -.035em; }
.trust-signals small { color: var(--muted); font-size: .78rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.reviews-content { display: grid; gap: clamp(1.15rem, 2.5vw, 1.65rem); }
.review-excerpts { display: grid; gap: clamp(1rem, 2vw, 1.35rem); }
.review-excerpts figure { margin: 0; border: 0; border-radius: 20px; background: rgba(255,255,255,.64); padding: clamp(1.05rem, 2vw, 1.35rem); box-shadow: 0 12px 34px rgba(6,27,49,.055), 0 1px 0 rgba(255,255,255,.85) inset; }
.review-excerpts blockquote { margin: 0; color: var(--navy); font-size: clamp(.96rem, 1.4vw, 1.04rem); line-height: 1.62; font-weight: 650; }
.review-excerpts figcaption { margin-top: .7rem; color: var(--muted); font-size: .78rem; font-weight: 800; letter-spacing: .03em; }
.loan-programs-section { background: linear-gradient(180deg, #fff 0%, var(--surface-soft) 100%); }
.loan-programs-heading { margin-bottom: clamp(2.25rem, 4.4vw, 3.35rem); }
.loan-programs-heading h2 { color: var(--navy); }
.loan-programs-heading p { max-width: 660px; margin: .95rem auto 0; color: #56657a; font-size: clamp(1rem, 1.55vw, 1.12rem); line-height: 1.72; }
.loan-program-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: clamp(1rem, 1.8vw, 1.25rem); }
.loan-program-card { position: relative; min-height: 270px; border: 1px solid rgba(6,27,49,.10); border-radius: 22px; background: linear-gradient(145deg, rgba(255,255,255,.98), rgba(250,246,238,.88)); box-shadow: rgba(23,23,23,.05) 0 12px 30px; padding: clamp(1.2rem, 2.4vw, 1.62rem); transition: transform 340ms cubic-bezier(.22,1,.36,1), box-shadow 340ms cubic-bezier(.22,1,.36,1), border-color 340ms cubic-bezier(.22,1,.36,1), background 340ms cubic-bezier(.22,1,.36,1); overflow: hidden; }
.loan-program-card::before { content: ""; position: absolute; inset: 0; background: radial-gradient(circle at 84% 12%, rgba(199,154,59,.10), transparent 38%), linear-gradient(135deg, rgba(6,27,49,.018), rgba(199,154,59,.025)); opacity: .38; transition: opacity 340ms cubic-bezier(.22,1,.36,1), transform 340ms cubic-bezier(.22,1,.36,1); pointer-events: none; }
.loan-program-card::after { content: ""; position: absolute; inset: auto -28px -42px auto; width: 130px; height: 130px; border-radius: 50%; background: rgba(199,154,59,.10); pointer-events: none; transition: transform 340ms cubic-bezier(.22,1,.36,1), background 340ms cubic-bezier(.22,1,.36,1); }
.loan-program-card:focus { outline: 3px solid rgba(199,154,59,.28); outline-offset: 3px; }
.loan-program-card:hover, .loan-program-card:focus, .loan-program-card:focus-within { transform: translateY(-4px) scale(1.012); border-color: rgba(199,154,59,.38); background: linear-gradient(145deg, #fff, rgba(250,246,238,.94)); box-shadow: 0 20px 46px rgba(6,27,49,.105), 0 0 0 1px rgba(199,154,59,.08), 0 0 24px rgba(199,154,59,.095); }
.loan-program-card:hover::before, .loan-program-card:focus::before, .loan-program-card:focus-within::before { opacity: .74; transform: scale(1.035); }
.loan-program-card:hover::after, .loan-program-card:focus::after, .loan-program-card:focus-within::after { transform: scale(1.08); background: rgba(199,154,59,.11); }
.loan-icon, .loan-program-card h3, .loan-program-card p, .loan-detail { position: relative; z-index: 1; }
.loan-icon { width: 54px; height: 54px; display: grid; place-items: center; border-radius: 16px; background: linear-gradient(135deg, var(--navy), #123d63); color: #fff; box-shadow: 0 14px 28px rgba(6,27,49,.18); margin-bottom: 1.05rem; transition: transform 340ms cubic-bezier(.22,1,.36,1), box-shadow 340ms cubic-bezier(.22,1,.36,1); }
.loan-program-card:hover .loan-icon, .loan-program-card:focus .loan-icon, .loan-program-card:focus-within .loan-icon { transform: translateY(-1px); box-shadow: 0 16px 30px rgba(6,27,49,.20); }
.loan-icon svg { width: 30px; height: 30px; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.loan-program-card h3 { color: var(--navy); font-size: clamp(1.24rem, 1.75vw, 1.56rem); letter-spacing: -.025em; line-height: 1.16; }
.loan-program-card p { max-width: 29ch; margin: .82rem 0 0; color: #4f5f73; font-size: .96rem; line-height: 1.68; }
.loan-detail { margin-top: 1rem; padding-top: .85rem; border-top: 1px solid rgba(6,27,49,.08); opacity: 0; transform: translateY(6px); max-height: 0; overflow: hidden; transition: opacity 340ms cubic-bezier(.22,1,.36,1), transform 340ms cubic-bezier(.22,1,.36,1), max-height 340ms cubic-bezier(.22,1,.36,1); }
.loan-program-card:hover .loan-detail, .loan-program-card:focus .loan-detail, .loan-program-card:focus-within .loan-detail, .loan-program-card:active .loan-detail { opacity: 1; transform: translateY(0); max-height: 150px; }
.loan-detail strong { display: block; color: var(--navy); font-size: .78rem; font-weight: 900; letter-spacing: .12em; text-transform: uppercase; }
.loan-detail ul { margin: .52rem 0 0; padding: 0; list-style: none; display: grid; gap: .32rem; }
.loan-detail li { position: relative; padding-left: 1.05rem; color: #526277; font-size: .9rem; line-height: 1.45; }
.loan-detail li::before { content: "•"; position: absolute; left: 0; color: var(--gold); font-weight: 900; }

.intro-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(280px, .9fr); gap: clamp(2rem, 6vw, 5rem); align-items: end; }
.intro-grid h2 { color: var(--navy); }
.intro-grid p:last-child { margin: 0; color: var(--muted); font-size: 1.15rem; }
.section-heading { max-width: 760px; margin-bottom: 2.3rem; }
.section-heading.center { margin-inline: auto; text-align: center; }
.section-heading p { color: var(--muted); font-size: 1.08rem; }
.pathways-section { background: var(--surface-soft); }
.pathway-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.pathway-card {
  position: relative;
  min-height: 350px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  border: 1px solid var(--line);
  border-radius: 18px;
  background: #fff;
  box-shadow: rgba(23,23,23,.06) 0 10px 30px;
  padding: 1.35rem;
  transition: transform 220ms ease, box-shadow 220ms ease, border-color 220ms ease;
}
.pathway-card:hover { transform: translateY(-7px); box-shadow: rgba(23,23,23,.14) 0 22px 46px; border-color: rgba(199,154,59,.45); }
.pathway-card.featured { background: var(--navy); color: #fff; border-color: rgba(255,255,255,.18); box-shadow: var(--shadow-blue); }
.card-index { color: var(--gold); font-size: .82rem; font-weight: 800; letter-spacing: .12em; }
.pathway-card p { color: var(--muted); margin: 1rem 0 1.4rem; }
.pathway-card.featured p { color: rgba(255,255,255,.76); }
.pathway-card a { color: var(--navy); font-weight: 800; text-decoration-color: rgba(199,154,59,.45); text-underline-offset: .24em; transition: color 180ms ease, letter-spacing 180ms ease; }
.pathway-card a:hover { color: var(--gold); letter-spacing: .01em; }
.pathway-card.featured a { color: #fff; }
.image-card {
  position: relative;
  justify-content: end;
  overflow: hidden;
  color: #fff;
  background:
    linear-gradient(0deg, rgba(0,0,0,.7), rgba(0,0,0,.05)),
    url("https://images.unsplash.com/photo-1600585154340-be6161a56a0c?auto=format&fit=crop&w=1200&q=82") center / cover;
}
.image-card span { display: block; color: rgba(255,255,255,.76); font-size: .9rem; font-weight: 650; }
.image-card strong { display: block; margin-top: .25rem; font-size: 1.65rem; line-height: 1.05; letter-spacing: -.04em; }

.broker-grid { display: grid; grid-template-columns: minmax(280px, .95fr) minmax(0, 1.05fr); gap: clamp(2rem, 6vw, 5rem); align-items: center; }
.broker-photo-panel { position: relative; }
.photo-frame { min-height: 560px; border-radius: 26px; background:
  linear-gradient(0deg, rgba(6,27,49,.78), rgba(6,27,49,.08)),
  url("https://images.unsplash.com/photo-1600607687920-4e2a09cf159d?auto=format&fit=crop&w=1400&q=82") center / cover; box-shadow: var(--shadow-blue); }
.broker-caption { position: absolute; left: 1.2rem; right: 1.2rem; bottom: 1.2rem; border: 1px solid rgba(255,255,255,.22); border-radius: 18px; color: #fff; background: rgba(6,27,49,.68); backdrop-filter: blur(18px); padding: 1rem; }
.broker-caption strong, .broker-caption span { display: block; }
.broker-caption span { color: rgba(255,255,255,.75); }
.broker-copy h2 { color: var(--navy); }
.broker-copy > p { color: var(--muted); font-size: 1.1rem; }
.check-list { display: grid; gap: .8rem; margin: 1.6rem 0 0; padding: 0; list-style: none; }
.check-list li { position: relative; padding-left: 2rem; color: var(--navy); font-weight: 650; }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: -.05rem; width: 1.35rem; height: 1.35rem; display: grid; place-items: center; border-radius: 50%; background: var(--cream); color: var(--gold); font-weight: 900; }

.journey-section { background: var(--navy); color: #fff; }
.journey-section .section-heading p { color: var(--gold-2); }
.journey-list { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px; margin: 0; padding: 0; list-style: none; background: rgba(255,255,255,.18); border-radius: 22px; overflow: hidden; }
.journey-list li { min-height: 270px; background: rgba(255,255,255,.08); padding: 1.35rem; }
.journey-list span { display: grid; place-items: center; width: 42px; height: 42px; border-radius: 50%; background: #fff; color: var(--navy); font-weight: 800; margin-bottom: 3rem; }
.journey-list p { color: rgba(255,255,255,.72); }
.tools-section { background: linear-gradient(135deg, #fff, #f7f1e6); }
.tools-card { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 2rem; align-items: center; border: 1px solid rgba(199,154,59,.28); border-radius: 24px; background: rgba(255,255,255,.72); box-shadow: var(--shadow-soft); padding: clamp(1.4rem, 4vw, 2.4rem); }
.tools-card h2 { color: var(--navy); font-size: clamp(1.8rem, 3.2vw, 3.2rem); }
.tools-card p { color: var(--muted); max-width: 720px; }

.contact-section { background: var(--surface-soft); }
.contact-grid { display: grid; grid-template-columns: minmax(0, .98fr) minmax(320px, .72fr); gap: clamp(2rem, 6vw, 5rem); align-items: start; }
.contact-grid h2 { color: var(--navy); }
.contact-grid > div > p { color: var(--muted); font-size: 1.12rem; max-width: 680px; }
.lead-card { display: grid; gap: .95rem; border: 1px solid var(--line); border-radius: 22px; background: #fff; box-shadow: var(--shadow-blue); padding: 1.35rem; }
.lead-card h3 { color: var(--navy); }
.lead-card label { display: grid; gap: .35rem; color: var(--navy); font-size: .9rem; font-weight: 700; }
.lead-card input, .lead-card select, .lead-card textarea { width: 100%; border: 1px solid var(--line); border-radius: 12px; padding: .85rem .9rem; color: var(--ink); background: #fff; font: inherit; transition: border-color 180ms ease, box-shadow 180ms ease, transform 180ms ease; }
.lead-card input:hover, .lead-card select:hover, .lead-card textarea:hover, .lead-card input:focus, .lead-card select:focus, .lead-card textarea:focus { border-color: rgba(199,154,59,.72); box-shadow: 0 0 0 4px rgba(199,154,59,.13); transform: translateY(-1px); }
.lead-card textarea { resize: vertical; }
.hp-field { position: absolute !important; left: -9999px !important; width: 1px !important; height: 1px !important; overflow: hidden !important; }
.form-status { min-height: 1.2em; margin: -.2rem 0 0; color: var(--navy); font-size: .9rem; font-weight: 700; }
.form-status.success { color: #16724b; }
.form-status.error { color: #b42318; }
.form-note { margin: 0; color: var(--muted); font-size: .84rem; }
.contact-methods { margin-top: 1.2rem; display: grid; gap: .85rem; }
.wechat-card { display: flex; align-items: center; gap: 1rem; max-width: 470px; border: 1px solid rgba(6,27,49,.10); border-radius: 20px; background: rgba(255,255,255,.78); padding: .9rem 1rem; box-shadow: 0 14px 30px rgba(6,27,49,.06); }
.wechat-qr-image { width: clamp(116px, 11vw, 146px); height: auto; flex: 0 0 auto; border-radius: 14px; border: 1px solid rgba(6,27,49,.10); background: #fff; padding: .28rem; box-shadow: 0 10px 22px rgba(6,27,49,.07); }
.wechat-card strong { display: block; color: var(--navy); font-weight: 800; }
.wechat-card p { margin: .24rem 0 0 !important; color: var(--muted); font-size: .93rem !important; line-height: 1.58; }

.site-footer { background: #050b13; color: #fff; padding-block: clamp(4.6rem, 7vw, 5.8rem) 2.6rem; }
.footer-grid { display: grid; grid-template-columns: minmax(260px, 1.15fr) minmax(220px, .82fr) minmax(240px, .9fr); gap: clamp(2.5rem, 5.6vw, 5rem); align-items: start; }
.footer-column { min-width: 0; }
.footer-brand-name { margin: 0 0 .55rem; color: rgba(255,255,255,.94); font-family: "Cormorant Garamond", Georgia, serif; font-size: clamp(1.72rem, 2.25vw, 2.25rem); font-weight: 700; line-height: 1.05; letter-spacing: -.015em; }
.site-footer h2 { margin: .06rem 0 1.08rem; font-size: .8rem; line-height: 1.25; letter-spacing: .15em; text-transform: uppercase; color: rgba(255,255,255,.82); }
.site-footer h3 { margin: 1.45rem 0 .45rem; font-size: .74rem; line-height: 1.25; letter-spacing: .13em; text-transform: uppercase; color: rgba(255,255,255,.64); }
.site-footer address, .site-footer p, .footer-list { color: rgba(255,255,255,.62); line-height: 1.75; }
.footer-tagline { max-width: 32ch; margin: 0 0 1.3rem; line-height: 1.75; font-size: .98rem; }
.site-footer address { font-style: normal; line-height: 1.78; }
.site-footer a { color: rgba(255,255,255,.84); text-decoration-color: rgba(255,255,255,.18); text-underline-offset: .28em; transition: color 240ms ease, text-decoration-color 240ms ease, opacity 240ms ease, filter 240ms ease; }
.site-footer a:hover { color: rgba(255,255,255,.96); text-decoration-color: rgba(255,255,255,.34); filter: brightness(1.04); }
.footer-list { display: grid; gap: .68rem; margin: 0; padding: 0; list-style: none; }
.footer-list a, .nmls-link { font-weight: 750; }
.office-hours p { max-width: 24ch; margin: 0; line-height: 1.72; }
.footer-licensing p { margin: 0 0 1.05rem; }
.equal-housing-badge { display: inline-flex; align-items: center; width: fit-content; margin-top: .18rem; border: 1px solid rgba(255,255,255,.13); border-radius: 999px; background: rgba(255,255,255,.035); color: rgba(255,255,255,.58); padding: .42rem .68rem; font-size: .68rem; font-weight: 800; line-height: 1; letter-spacing: .08em; text-transform: uppercase; }
.social-links { display: flex; flex-wrap: wrap; gap: .5rem; margin-top: 1.25rem; }
.social-links a { display: inline-grid; place-items: center; width: 2.35rem; height: 2.35rem; border: 1px solid rgba(255,255,255,.085); border-radius: 11px; background: rgba(255,255,255,.022); color: rgba(255,255,255,.5); text-decoration: none; opacity: .86; transition: color 220ms ease, opacity 220ms ease, background 220ms ease, border-color 220ms ease, transform 220ms ease, filter 220ms ease; }
.social-links a:hover, .social-links a:focus-visible { color: rgba(255,255,255,.78); opacity: .98; background: rgba(255,255,255,.045); border-color: rgba(255,255,255,.14); filter: brightness(1.06); transform: translate3d(0,-1px,0); }
.social-links svg { width: 1.32rem; height: 1.32rem; fill: none; stroke: currentColor; stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.social-links svg path[fill], .social-links svg rect[fill], .social-links svg circle[fill] { fill: currentColor; }
.footer-bottom { display: grid; gap: 1.08rem; margin-top: clamp(3.2rem, 6vw, 4.4rem); padding-top: 1.85rem; border-top: 1px solid rgba(255,255,255,.16); }
.footer-copyright { margin: 0; font-size: .86rem; color: rgba(255,255,255,.58) !important; }
.legal-copy { max-width: 900px; margin: .18rem 0 0; color: rgba(255,255,255,.43) !important; font-size: .77rem; line-height: 1.82; }

@media (max-width: 1020px) {
  .pathway-grid, .journey-list, .loan-program-grid { grid-template-columns: repeat(2, 1fr); }
  .intro-grid, .broker-grid, .contact-grid, .reviews-card { grid-template-columns: 1fr; }
  .photo-frame { min-height: 420px; }
}
@media (max-width: 720px) {
  .container { width: min(100% - 1.25rem, var(--container)); }
  .header-inner { min-height: 62px; flex-wrap: wrap; padding-block: .38rem; row-gap: .36rem; }
  .brand-logo { width: 182px; max-height: 44px; height: auto; }
  .desktop-nav { order: 3; width: 100%; justify-content: center; gap: 1rem; font-size: .82rem; }
  .tools-mega { left: auto; right: -4.5rem; top: calc(100% + .42rem); transform: translateY(8px); width: min(330px, calc(100vw - 1.25rem)); }
  .tools-menu:hover .tools-mega, .tools-menu:focus-within .tools-mega { transform: translateY(0); }
  .header-controls { width: 100%; justify-content: space-between; gap: .55rem; }
  .phone-link { display: inline-flex; font-size: .86rem; }
  .language-button { min-width: 58px; }
  .hero { min-height: 760px; align-items: end; }
  .hero-content { transform: none; }
  .hero-bg { background-position: 62% center; }
  h1 { font-size: clamp(2.65rem, 14vw, 4.2rem); }
  h2 { font-size: clamp(2rem, 10vw, 3rem); }
  .hero-text { font-size: 1.05rem; }
  .hero-actions, .contact-actions { flex-direction: column; }
  .button { width: 100%; }
  .pathway-grid, .journey-list, .loan-program-grid, .footer-grid, .tools-card { grid-template-columns: 1fr; }
  .pathway-card, .journey-list li { min-height: auto; }
  .journey-list span { margin-bottom: 1.3rem; }
  .tools-card .button { width: 100%; }
  .footer-legal-row { align-items: flex-start; flex-direction: column; }
  .footer-grid { gap: 2.4rem; }
  .footer-brand-name { font-size: 1.72rem; }
  .social-links a { width: 2.18rem; height: 2.18rem; }
  .social-links svg { width: 1.18rem; height: 1.18rem; }
  .wechat-card { max-width: none; }
  .wechat-qr-image { width: 118px; }
}

.visually-hidden { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
html { scroll-behavior: smooth; }
body.motion-ready .reveal-on-scroll { opacity: 0; transform: translate3d(0, 18px, 0); transition: opacity 420ms cubic-bezier(.22,1,.36,1), transform 420ms cubic-bezier(.22,1,.36,1); transition-delay: var(--reveal-delay, 0ms); will-change: opacity, transform; }
body.motion-ready .reveal-on-scroll.is-visible { opacity: 1; transform: translate3d(0, 0, 0); }
@keyframes heroSlowZoom { from { transform: translate3d(0, var(--hero-parallax-y), 0) scale(1); } to { transform: translate3d(0, var(--hero-parallax-y), 0) scale(1.03); } }
@keyframes heroOverlayDrift { from { opacity: .8; transform: translate3d(-1%, 0, 0); } to { opacity: .95; transform: translate3d(1%, -.6%, 0); } }
@keyframes ambientLightDrift { from { transform: translate3d(-1.5%, .4%, 0); opacity: .42; } to { transform: translate3d(1.6%, -1%, 0); opacity: .58; } }
@media (max-width: 720px) {
  .hero-bg { animation-duration: 30s; transform: translate3d(0, 0, 0) scale(1.012); will-change: auto; }
  .hero::before { opacity: .32; animation-duration: 18s; }
  body.motion-ready .reveal-on-scroll { transform: translate3d(0, 12px, 0); transition-duration: 340ms; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto !important; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
  body.motion-ready .reveal-on-scroll { opacity: 1 !important; transform: none !important; }
  .hero-bg { transform: scale(1.01) !important; will-change: auto !important; }
}


@media (max-width: 520px) {
  .hero-rotating-title { gap: .26rem; font-size: clamp(.68rem, 3.05vw, .78rem); padding: .36rem .5rem; }
  .rotating-phrase { max-width: 63vw; }
}


.portal-page { background: linear-gradient(135deg, #f7f1e6, #ffffff 48%, #eef5fb); color: var(--ink); }
.portal-main { min-height: calc(100svh - 58px); display: grid; align-items: start; padding-block: clamp(1.6rem, 4vw, 3.2rem); }
.portal-footer { padding-block: 3rem 2rem; }
.portal-card { max-width: 860px; margin-inline: auto; border: 1px solid rgba(6,27,49,.10); border-radius: 30px; background: rgba(255,255,255,.78); -webkit-backdrop-filter: blur(22px) saturate(150%); backdrop-filter: blur(22px) saturate(150%); box-shadow: var(--shadow-blue); padding: clamp(1.3rem, 3.5vw, 2.6rem); text-align: center; }
.portal-card h1 { max-width: 760px; margin-inline: auto; color: var(--navy); font-size: clamp(2.4rem, 5vw, 4.8rem); }
.portal-card p { max-width: 670px; margin: 1rem auto 0; color: var(--muted); font-size: clamp(1rem, 2vw, 1.18rem); }
.portal-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: .8rem; margin-top: 1.6rem; }
.portal-note { margin-top: 1.2rem; font-size: .88rem !important; color: var(--muted) !important; }


/* Compact navigation mega menus */
.desktop-nav { gap: clamp(.45rem, 1vw, .78rem); font-size: .84rem; }
.desktop-nav > a, .desktop-nav .nav-trigger, .nav-secure-upload, .nav-apply { white-space: nowrap; }
.nav-menu { position: relative; display: inline-flex; align-items: center; }
.nav-menu::after { content:""; position:absolute; left:-.8rem; right:-.8rem; top:100%; height:.9rem; }
.nav-trigger { appearance:none; border:0; background:transparent; color:rgba(6,27,49,.78); cursor:pointer; font:inherit; font-weight:800; padding:.34rem .08rem; transition:color 240ms cubic-bezier(.22,1,.36,1), transform 240ms cubic-bezier(.22,1,.36,1); }
.nav-trigger::after { content:""; display:inline-block; width:.34rem; height:.34rem; margin-left:.34rem; border-right:1.6px solid currentColor; border-bottom:1.6px solid currentColor; transform:translateY(-2px) rotate(45deg); opacity:.58; transition:transform 240ms cubic-bezier(.22,1,.36,1), opacity 240ms cubic-bezier(.22,1,.36,1); }
.nav-menu:hover .nav-trigger, .nav-menu:focus-within .nav-trigger { color:var(--gold); transform:translateY(-1px); }
.nav-menu:hover .nav-trigger::after, .nav-menu:focus-within .nav-trigger::after { transform:translateY(0) rotate(225deg); opacity:.88; }
.mega-panel { position:absolute; top:calc(100% + .48rem); left:50%; z-index:60; width:min(330px, calc(100vw - 2rem)); transform:translateX(-50%) translateY(8px); opacity:0; visibility:hidden; pointer-events:none; display:grid; gap:.45rem; padding:.72rem; border:1px solid rgba(6,27,49,.10); border-radius:18px; background:rgba(255,255,255,.94); -webkit-backdrop-filter:blur(22px) saturate(155%); backdrop-filter:blur(22px) saturate(155%); box-shadow:0 22px 52px rgba(6,27,49,.14), inset 0 1px 0 rgba(255,255,255,.88); transition:opacity 190ms ease, transform 230ms cubic-bezier(.22,1,.36,1), visibility 0s linear 160ms; }
.nav-menu:hover .mega-panel, .nav-menu:focus-within .mega-panel, .nav-menu.is-open .mega-panel { opacity:1; visibility:visible; pointer-events:auto; transform:translateX(-50%) translateY(0); transition-delay:0s; }
.loan-mega { width:min(480px, calc(100vw - 2rem)); grid-template-columns:repeat(2, minmax(0,1fr)); gap:.7rem; }
.mega-section { border-radius:15px; padding:.78rem; background:rgba(246,239,227,.34); border:1px solid rgba(6,27,49,.055); }
.mega-section p { margin:0 0 .55rem; color:var(--navy); font-size:.74rem; line-height:1.2; letter-spacing:.11em; text-transform:uppercase; font-weight:900; }
.mega-section a { display:block; padding:.34rem .15rem; color:rgba(6,27,49,.72); text-decoration:none; font-size:.84rem; font-weight:750; border-radius:9px; transition:color 200ms ease, background 200ms ease, transform 200ms ease; }
.mega-section a:hover, .mega-section a:focus-visible { color:var(--navy); background:rgba(255,255,255,.58); transform:translateX(1px); }
.mega-feature { display:grid; grid-template-columns:34px 1fr; align-items:center; gap:.68rem; border-radius:14px; padding:.7rem; color:var(--navy) !important; text-decoration:none; background:rgba(246,239,227,.34); transition:background 220ms ease, transform 220ms ease; }
.mega-feature:hover, .mega-feature:focus-visible { background:rgba(246,239,227,.62); transform:translateY(-1px); }
.mega-feature::after, .nav-trigger::after { pointer-events:none; }
.mega-feature > span { grid-row:span 2; width:34px; height:34px; display:grid; place-items:center; border-radius:11px; background:linear-gradient(135deg, rgba(6,27,49,.96), rgba(21,61,98,.95)); color:#fff; font-size:.72rem; font-weight:900; box-shadow:0 8px 18px rgba(6,27,49,.12); }
.mega-feature strong, .mega-feature small { display:block; }
.mega-feature strong { font-size:.88rem; line-height:1.2; }
.mega-feature small { margin-top:.1rem; color:var(--muted); font-size:.75rem; line-height:1.25; font-weight:700; letter-spacing:0; }
.mega-feature.is-muted { background:rgba(255,255,255,.58); }
.nav-apply { display:inline-flex; align-items:center; justify-content:center; border-radius:999px; padding:.48rem .78rem; background:linear-gradient(135deg, var(--navy), #14395d); color:#fff !important; text-decoration:none; font-weight:900; box-shadow:0 10px 22px rgba(6,27,49,.13); transition:transform 220ms ease, box-shadow 220ms ease, filter 220ms ease; }
.nav-apply:hover, .nav-apply:focus-visible { transform:translateY(-1px); filter:brightness(1.04); box-shadow:0 14px 26px rgba(6,27,49,.18); }
.nav-apply::after { display:none !important; }
.site-footer .equal-housing-logo { display:block; width:min(78px, 22vw); height:auto; margin-top:.25rem; opacity:.52; filter:invert(1) grayscale(1) brightness(1.6) contrast(.82); mix-blend-mode:screen; border-radius:6px; }
.site-footer .equal-housing-logo:hover { opacity:.62; filter:invert(1) grayscale(1) brightness(1.75) contrast(.86); }
@media (max-width: 1080px) {
  .brand-logo { width: clamp(170px, 18vw, 220px); }
  .desktop-nav { gap:.44rem; font-size:.78rem; }
  .nav-apply { padding:.42rem .62rem; }
  .phone-link { font-size:.86rem; }
}
@media (max-width: 720px) {
  .desktop-nav { justify-content:flex-start; gap:.6rem; overflow-x:auto; padding-bottom:.15rem; scrollbar-width:none; }
  .desktop-nav::-webkit-scrollbar { display:none; }
  .mega-panel { left:0; transform:translateY(8px); width:min(330px, calc(100vw - 1.25rem)); }
  .nav-menu:hover .mega-panel, .nav-menu:focus-within .mega-panel, .nav-menu.is-open .mega-panel { transform:translateY(0); }
  .loan-mega { grid-template-columns:1fr; width:min(340px, calc(100vw - 1.25rem)); }
  .site-footer .equal-housing-logo { width:72px; }
}


/* Mega menu refinement: right rail + mobile accordion */
.mega-panel { transition: opacity 220ms ease, transform 260ms cubic-bezier(.22,1,.36,1), visibility 0s linear 170ms; }
.mega-panel-with-rail { width:min(640px, calc(100vw - 2rem)); grid-template-columns:minmax(0, 1.6fr) minmax(170px, .82fr); gap:.72rem; }
.tools-mega-panel, .resources-mega-panel { width:min(680px, calc(100vw - 2rem)); }
.mega-groups { display:grid; grid-template-columns:repeat(2, minmax(0,1fr)); gap:.65rem; }
.loan-mega { grid-template-columns:minmax(0, 1.55fr) minmax(170px, .82fr); }
.mega-rail { display:flex; flex-direction:column; justify-content:space-between; gap:1rem; min-height:100%; border-radius:16px; padding:.86rem; border:1px solid rgba(6,27,49,.065); background:linear-gradient(145deg, rgba(6,27,49,.94), rgba(19,55,88,.9)); color:#fff; box-shadow:inset 0 1px 0 rgba(255,255,255,.12); }
.mega-rail p { margin:0; color:rgba(255,255,255,.82); font-size:.84rem; line-height:1.55; font-weight:700; letter-spacing:.002em; }
.mega-cta { display:inline-flex; align-items:center; justify-content:flex-start; align-self:flex-start; min-height:38px; border-radius:999px; padding:.48rem .68rem; color:#fff !important; text-decoration:none; font-size:.78rem; font-weight:900; background:rgba(255,255,255,.10); border:1px solid rgba(255,255,255,.14); transition:background 220ms ease, transform 220ms ease, opacity 220ms ease; }
.mega-cta:hover, .mega-cta:focus-visible { background:rgba(255,255,255,.16); transform:translateY(-1px); }
.mega-section a { min-height:32px; display:flex; align-items:center; }
.nav-menu:hover .mega-panel, .nav-menu:focus-within .mega-panel, .nav-menu.is-open .mega-panel { transform:translateX(-50%) translateY(0); }
@media (max-width: 720px) {
  .desktop-nav {
    align-items:stretch;
    flex-direction:column;
    overflow:visible;
    gap:.35rem;
    padding:.15rem 0 .35rem;
  }
  .nav-menu { width:100%; display:block; }
  .nav-menu::after { display:none; }
  .nav-trigger,
  .nav-secure-upload,
  .nav-apply {
    width:100%;
    min-height:46px;
    justify-content:space-between;
    border-radius:14px;
    padding:.72rem .9rem;
    background:rgba(255,255,255,.72);
    border:1px solid rgba(6,27,49,.08);
    color:rgba(6,27,49,.82);
    text-align:left;
  }
  .nav-trigger { display:flex; align-items:center; }
  .nav-apply { display:flex; justify-content:center; margin-top:.1rem; color:#fff !important; }
  .mega-panel,
  .mega-panel-with-rail,
  .loan-mega,
  .tools-mega-panel,
  .resources-mega-panel,
  .compact-panel {
    position:static;
    left:auto;
    top:auto;
    width:100%;
    max-height:0;
    opacity:0;
    visibility:hidden;
    pointer-events:none;
    overflow:hidden;
    transform:translateY(-4px);
    grid-template-columns:1fr;
    margin:.28rem 0 .15rem;
    padding:0 .55rem;
    border-radius:16px;
    box-shadow:none;
    transition:max-height 260ms cubic-bezier(.22,1,.36,1), opacity 220ms ease, transform 240ms cubic-bezier(.22,1,.36,1), padding 240ms ease, visibility 0s linear 220ms;
  }
  .nav-menu:hover .mega-panel,
  .nav-menu:focus-within .mega-panel { opacity:0; visibility:hidden; pointer-events:none; transform:translateY(-4px); max-height:0; padding-top:0; padding-bottom:0; }
  .nav-menu.is-open .mega-panel,
  .nav-menu:focus-within.is-open .mega-panel {
    max-height:760px;
    opacity:1;
    visibility:visible;
    pointer-events:auto;
    transform:translateY(0);
    padding:.55rem;
    transition-delay:0s;
  }
  .mega-groups { grid-template-columns:1fr; gap:.48rem; }
  .mega-section { padding:.68rem; }
  .mega-section a { min-height:42px; padding:.48rem .25rem; font-size:.88rem; }
  .mega-rail { min-height:auto; padding:.76rem; gap:.72rem; }
  .mega-rail p { font-size:.82rem; line-height:1.5; }
  .mega-cta { min-height:42px; width:100%; justify-content:center; }
  .mega-feature { min-height:58px; }
}
@media (prefers-reduced-motion: reduce) {
  .mega-panel, .mega-cta, .mega-section a, .nav-trigger { transition:none !important; }
}


/* Navigation polish pass: single-open behavior, layering, softer premium panels */
.site-header { z-index: 120; }
.header-inner { position: relative; }
.desktop-nav { position: relative; z-index: 125; }
.nav-menu { z-index: 1; }
.nav-menu.is-open { z-index: 140; }
.nav-trigger { outline-offset: 5px; }
.nav-trigger:focus-visible,
.mega-panel a:focus-visible,
.mega-cta:focus-visible {
  outline: 2px solid rgba(190, 143, 70, .34);
  outline-offset: 3px;
}
.mega-panel {
  z-index: 150;
  isolation: isolate;
  border-color: rgba(6,27,49,.085);
  background: linear-gradient(180deg, rgba(255,255,255,.975), rgba(250,247,240,.955));
  box-shadow: 0 18px 46px rgba(6,27,49,.13), 0 4px 14px rgba(6,27,49,.055), inset 0 1px 0 rgba(255,255,255,.82);
  transition: opacity 220ms ease, transform 250ms cubic-bezier(.22,1,.36,1), visibility 0s linear 180ms;
  will-change: opacity, transform;
}
.nav-menu .mega-panel {
  transform: translateX(-50%) translateY(9px) scale(.992);
}
.nav-menu:hover .mega-panel,
.nav-menu.is-open .mega-panel {
  opacity:1;
  visibility:visible;
  pointer-events:auto;
  transform:translateX(-50%) translateY(0) scale(1);
  transition-delay:0s;
}
.nav-menu:focus-within .mega-panel {
  opacity:0;
  visibility:hidden;
  pointer-events:none;
}
.nav-menu.is-open:focus-within .mega-panel {
  opacity:1;
  visibility:visible;
  pointer-events:auto;
  transform:translateX(-50%) translateY(0) scale(1);
}
.nav-menu:hover .nav-trigger,
.nav-menu.is-open .nav-trigger {
  color: color-mix(in srgb, var(--gold) 88%, #061b31 12%);
  transform: translateY(-1px);
}
.nav-menu:hover .nav-trigger::after,
.nav-menu.is-open .nav-trigger::after {
  transform: translateY(0) rotate(225deg);
  opacity:.82;
}
.mega-section {
  background: linear-gradient(180deg, rgba(248,243,234,.58), rgba(255,255,255,.48));
  border-color: rgba(6,27,49,.06);
  box-shadow: inset 0 1px 0 rgba(255,255,255,.72);
}
.mega-section p {
  letter-spacing:.105em;
  color: rgba(6,27,49,.48);
}
.mega-section a {
  border-radius:10px;
  transition: background 210ms ease, color 210ms ease, transform 210ms ease, opacity 210ms ease;
}
.mega-section a:hover,
.mega-section a:focus-visible {
  background: rgba(190,143,70,.075);
  color: #061b31;
  transform: translateY(-1px);
}
.mega-rail {
  position: relative;
  overflow: hidden;
  border-color: rgba(255,255,255,.105);
  background:
    radial-gradient(circle at 18% 0%, rgba(255,255,255,.12), transparent 36%),
    linear-gradient(145deg, rgba(7,31,55,.96), rgba(17,52,82,.91) 58%, rgba(39,71,95,.86));
  box-shadow: inset 0 1px 0 rgba(255,255,255,.13), 0 14px 28px rgba(6,27,49,.10);
}
.mega-rail::after {
  content:"";
  position:absolute;
  inset:auto -22% -34% 28%;
  height:72px;
  border-radius:999px;
  background:rgba(190,143,70,.12);
  filter:blur(18px);
  pointer-events:none;
}
.mega-rail p,
.mega-cta { position:relative; z-index:1; }
.mega-rail p { color:rgba(255,255,255,.80); font-weight:760; }
.mega-cta { background:rgba(255,255,255,.095); border-color:rgba(255,255,255,.135); box-shadow:none; }
.mega-cta:hover,
.mega-cta:focus-visible { background:rgba(255,255,255,.145); transform:translateY(-1px); }
@media (max-width: 720px) {
  .nav-menu:hover .mega-panel,
  .nav-menu:focus-within .mega-panel {
    opacity:0;
    visibility:hidden;
    pointer-events:none;
    transform:translateY(-4px) scale(1);
    max-height:0;
    padding-top:0;
    padding-bottom:0;
  }
  .nav-menu.is-open .mega-panel,
  .nav-menu.is-open:focus-within .mega-panel {
    opacity:1;
    visibility:visible;
    pointer-events:auto;
    transform:translateY(0) scale(1);
    max-height:760px;
    padding:.55rem;
  }
  .mega-panel { will-change:max-height, opacity, transform; }
}


/* Mobile nav polish: visible apply row, safer header controls, calmer hero type */
@media (max-width: 720px) {
  .header-controls {
    max-width: 100%;
    justify-content: flex-start;
    flex-wrap: nowrap;
    overflow: visible;
  }
  .language-switch {
    margin-left: auto;
    max-width: calc(100vw - 1.25rem);
    flex-shrink: 1;
  }
  .language-button {
    min-width: 52px;
    padding-inline: .55rem;
    font-size: .78rem;
  }
  .nav-apply {
    background: linear-gradient(135deg, var(--navy), #14395d) !important;
    color: #fff !important;
    border-color: rgba(6,27,49,.08) !important;
    text-align: center;
    box-shadow: 0 10px 22px rgba(6,27,49,.12);
  }
  .nav-apply:hover,
  .nav-apply:focus-visible {
    filter: brightness(1.04);
    transform: translateY(-1px);
  }
  h1 { font-size: clamp(2.35rem, 11.5vw, 3.45rem); line-height: .98; max-width: 10.5ch; }
  .hero-content { max-width: 100%; }
}
@media (max-width: 420px) {
  .brand-logo { width: 172px; }
  .phone-link { font-size: .82rem; }
  .language-button { min-width: 48px; padding-inline: .48rem; }
}


/* Mobile header safety: stack controls so language switch never clips */
@media (max-width: 720px) {
  .header-inner {
    display: grid;
    grid-template-columns: 1fr;
    align-items: start;
    row-gap: .45rem;
  }
  .brand { justify-self: start; }
  .header-controls {
    order: initial;
    width: 100%;
    min-width: 0;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: .65rem;
  }
  .desktop-nav { order: initial; }
  .language-switch { margin-left: 0; justify-self: end; }
}


/* Keep third-party accessibility widget inside mobile viewport */
@media (max-width: 720px) {
  .userway_buttons_wrapper {
    left: auto !important;
    right: .75rem !important;
    top: auto !important;
    bottom: .75rem !important;
    transform: none !important;
  }
  #userwayAccessibilityIcon,
  #userwayLstIcon {
    left: auto !important;
    right: 0 !important;
  }
}


/* Mobile navigation overlay: closed by default, never pushes hero down */
.mobile-nav-toggle { display: none; }
.mobile-nav-backdrop { display: none; }
@media (max-width: 720px) {
  .site-header {
    position: sticky;
    top: 0;
    z-index: 240;
  }
  .header-inner {
    display: grid !important;
    grid-template-columns: minmax(0, 1fr) auto !important;
    align-items: center !important;
    min-height: 64px !important;
    padding-block: .46rem !important;
    row-gap: 0 !important;
  }
  .brand { grid-column: 1; min-width: 0; }
  .brand-logo { width: min(188px, 62vw) !important; max-height: 48px; }
  .mobile-nav-toggle {
    grid-column: 2;
    display: inline-grid;
    place-items: center;
    width: 44px;
    height: 44px;
    border: 1px solid rgba(6,27,49,.10);
    border-radius: 999px;
    background: rgba(255,255,255,.84);
    color: var(--navy);
    box-shadow: 0 10px 24px rgba(6,27,49,.08);
    cursor: pointer;
  }
  .mobile-nav-toggle span {
    display: block;
    width: 18px;
    height: 2px;
    margin: 2px 0;
    border-radius: 999px;
    background: currentColor;
    transition: transform 220ms cubic-bezier(.22,1,.36,1), opacity 180ms ease;
  }
  body.mobile-nav-open .mobile-nav-toggle span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
  body.mobile-nav-open .mobile-nav-toggle span:nth-child(2) { opacity: 0; }
  body.mobile-nav-open .mobile-nav-toggle span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }
  .header-controls { display: none !important; }
  .desktop-nav {
    position: fixed !important;
    top: calc(64px + env(safe-area-inset-top, 0px));
    left: .75rem;
    right: .75rem;
    width: auto !important;
    max-height: min(76svh, 620px);
    overflow: auto !important;
    display: flex !important;
    flex-direction: column !important;
    align-items: stretch !important;
    gap: .42rem !important;
    padding: .75rem !important;
    border: 1px solid rgba(6,27,49,.09);
    border-radius: 22px;
    background: rgba(255,255,255,.96);
    -webkit-backdrop-filter: blur(24px) saturate(160%);
    backdrop-filter: blur(24px) saturate(160%);
    box-shadow: 0 24px 60px rgba(6,27,49,.18), inset 0 1px 0 rgba(255,255,255,.78);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transform: translateY(-10px) scale(.985);
    transition: opacity 220ms ease, transform 260ms cubic-bezier(.22,1,.36,1), visibility 0s linear 220ms;
    z-index: 260;
  }
  body.mobile-nav-open .desktop-nav {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transform: translateY(0) scale(1);
    transition-delay: 0s;
  }
  .mobile-nav-backdrop {
    position: fixed;
    inset: 0;
    display: block;
    border: 0;
    background: rgba(6,27,49,.16);
    opacity: 0;
    visibility: hidden;
    pointer-events: none;
    transition: opacity 220ms ease, visibility 0s linear 220ms;
    z-index: 230;
  }
  body.mobile-nav-open .mobile-nav-backdrop {
    opacity: 1;
    visibility: visible;
    pointer-events: auto;
    transition-delay: 0s;
  }
  .nav-menu { width: 100%; }
  .nav-trigger,
  .nav-secure-upload,
  .nav-apply {
    width: 100% !important;
    min-height: 48px !important;
    background: rgba(248,243,234,.55) !important;
  }
  .nav-apply {
    background: linear-gradient(135deg, var(--navy), #14395d) !important;
  }
  .mega-panel,
  .mega-panel-with-rail,
  .loan-mega,
  .tools-mega-panel,
  .resources-mega-panel,
  .compact-panel {
    position: static !important;
    width: 100% !important;
    max-height: 0;
    margin: 0 !important;
  }
  .nav-menu.is-open .mega-panel,
  .nav-menu.is-open:focus-within .mega-panel {
    max-height: 70svh;
    margin: .35rem 0 .2rem !important;
  }
  .hero {
    min-height: calc(100svh - 64px) !important;
    align-items: center !important;
  }
  .hero-content {
    padding-block: clamp(2.2rem, 8svh, 4rem) 2.4rem !important;
    transform: none !important;
  }
}


/* Final mobile first-impression polish */
@media (max-width: 720px) {
  .mobile-nav-toggle {
    background: linear-gradient(135deg, var(--navy), #14395d) !important;
    color: #fff !important;
    border-color: rgba(255,255,255,.22) !important;
    box-shadow: 0 12px 28px rgba(6,27,49,.18) !important;
    z-index: 275;
  }
  .hero h1 {
    max-width: 12.4ch !important;
    font-size: clamp(2.35rem, 10.8vw, 3.28rem) !important;
    line-height: 1.02 !important;
    overflow-wrap: normal !important;
    word-break: normal !important;
    hyphens: none !important;
    text-wrap: balance;
  }
  .hero-text {
    max-width: min(100%, 34ch) !important;
    font-size: clamp(1rem, 4.05vw, 1.08rem) !important;
    line-height: 1.55 !important;
    overflow-wrap: normal !important;
  }
  .hero-trust-strip {
    max-width: 100%;
    gap: .46rem;
  }
  .hero-trust-strip span {
    max-width: 100%;
    font-size: .78rem;
    padding: .46rem .58rem;
    overflow-wrap: normal;
    white-space: normal;
  }
}
@media (max-width: 390px) {
  .hero h1 { font-size: clamp(2.18rem, 10.2vw, 3rem) !important; max-width: 12.8ch !important; }
}


/* Force mobile menu control to be visible above all header layout variants */
@media (max-width: 720px) {
  .mobile-nav-toggle {
    position: fixed !important;
    top: calc(.62rem + env(safe-area-inset-top, 0px)) !important;
    right: .75rem !important;
    display: flex !important;
    flex-direction: column !important;
    align-items: center !important;
    justify-content: center !important;
    gap: 4px !important;
  }
  .mobile-nav-toggle span {
    margin: 0 !important;
    flex: 0 0 auto;
  }
  .site-header .brand { padding-right: 3.25rem; }
}


@media (max-width: 720px) {
  .mobile-nav-toggle .mobile-menu-glyph {
    display: block !important;
    position: absolute;
    inset: 0;
    line-height: 44px;
    text-align: center;
    font-size: 1.35rem;
    font-weight: 900;
    color: #fff;
  }
  .mobile-nav-toggle > span:not(.mobile-menu-glyph) { opacity: 0; }
  body.mobile-nav-open .mobile-nav-toggle .mobile-menu-glyph { font-size: 1.55rem; }
  body.mobile-nav-open .mobile-nav-toggle .mobile-menu-glyph::before { content: "×"; }
  body.mobile-nav-open .mobile-nav-toggle .mobile-menu-glyph { color: transparent; }
  body.mobile-nav-open .mobile-nav-toggle .mobile-menu-glyph::before { color: #fff; }
}


/* Claude review high-impact fixes: honest menu state, mobile language, conversion polish */
.trust-signal-link { display:grid; gap:.15rem; color:inherit; text-decoration:none; border-radius:14px; }
.trust-signal-link:hover strong,
.trust-signal-link:focus-visible strong { color: color-mix(in srgb, var(--gold) 78%, var(--navy) 22%); }
.mega-item-disabled {
  min-height: 32px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: .65rem;
  border-radius: 10px;
  padding: .34rem .25rem;
  color: rgba(6,27,49,.62);
  font-size: .86rem;
  font-weight: 800;
}
.mega-item-disabled em {
  flex: 0 0 auto;
  border-radius: 999px;
  background: rgba(190,143,70,.10);
  color: rgba(6,27,49,.58);
  padding: .18rem .42rem;
  font-size: .66rem;
  font-style: normal;
  font-weight: 900;
  letter-spacing: .04em;
  text-transform: uppercase;
}
.mobile-nav-language { display: none; }
.form-note-nmls { margin-top: .45rem !important; }
.form-note-nmls a { color: inherit; text-decoration: underline; text-underline-offset: 3px; }
@media (hover: none), (max-width: 720px) {
  .loan-detail {
    opacity: 1 !important;
    transform: translateY(0) !important;
    max-height: none !important;
    overflow: visible !important;
  }
}
@media (max-width: 720px) {
  .mobile-nav-language {
    display: flex;
    justify-content: center;
    gap: .25rem;
    margin-top: .18rem;
    border: 1px solid rgba(6,27,49,.08);
    border-radius: 999px;
    background: rgba(248,243,234,.62);
    padding: .2rem;
  }
  .mobile-nav-language .language-button {
    flex: 1 1 0;
    min-height: 42px;
    min-width: 0;
  }
  .mega-item-disabled { min-height: 42px; padding: .48rem .25rem; font-size: .88rem; }
}


/* Mobile hamburger visibility safety for narrow screenshots / in-app browsers */
@media (max-width: 720px) {
  .mobile-nav-toggle {
    right: max(.75rem, calc(100vw - 380px)) !important;
    background: linear-gradient(135deg, #061b31, #14395d) !important;
    color: #fff !important;
    border: 1px solid rgba(255,255,255,.22) !important;
    box-shadow: 0 12px 28px rgba(6,27,49,.18) !important;
  }
}


.portal-card-wide { max-width: 980px; }
.portal-embed-card {
  max-width: 980px;
  margin: clamp(1rem, 2.5vw, 1.6rem) auto 0;
  border: 1px solid rgba(6,27,49,.10);
  border-radius: 26px;
  overflow: hidden;
  background: #fff;
  box-shadow: 0 20px 55px rgba(6,27,49,.14);
}
.tally-upload-frame {
  display: block;
  width: 100%;
  min-height: 1600px;
  border: 0;
  background: #fff;
}
@media (max-width: 720px) {
  .portal-embed-card { border-radius: 18px; }
  .tally-upload-frame { min-height: 1800px; }
}


/* Compact Tally secure upload page */
.secure-upload-page .site-header { position: sticky; }
.secure-upload-main { padding-block: clamp(.75rem, 2vw, 1.4rem); }
.portal-fallback-bar {
  max-width: 980px;
  margin: 0 auto .8rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: .85rem;
  border: 1px solid rgba(6,27,49,.10);
  border-radius: 18px;
  background: rgba(255,255,255,.82);
  padding: .7rem .9rem;
  color: var(--muted);
  font-size: .92rem;
  box-shadow: 0 12px 30px rgba(6,27,49,.08);
}
.portal-fallback-link {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 38px;
  padding: .55rem .9rem;
  border-radius: 999px;
  background: var(--navy);
  color: #fff;
  text-decoration: none;
  font-size: .84rem;
  font-weight: 850;
  white-space: nowrap;
}
.secure-upload-embed { margin-top: 0; }
@media (max-width: 720px) {
  .portal-fallback-bar { align-items: flex-start; flex-direction: column; }
  .portal-fallback-link { width: 100%; }
}


/* Secure Upload nav link */
.nav-secure-upload {
  display:inline-flex;
  align-items:center;
  justify-content:center;
  border:1px solid rgba(199,154,59,.34);
  border-radius:999px;
  padding:.43rem .72rem;
  color:var(--navy) !important;
  background:rgba(246,239,227,.72);
  text-decoration:none;
  font-weight:900;
  white-space:nowrap;
  box-shadow:0 8px 18px rgba(6,27,49,.06);
}
.nav-secure-upload:hover,
.nav-secure-upload:focus-visible {
  color:var(--navy) !important;
  background:rgba(227,201,133,.5);
  transform:translateY(-1px);
}
.nav-secure-upload::after { display:none !important; }
@media (max-width: 1080px) {
  .nav-secure-upload { padding:.39rem .56rem; }
}
@media (max-width: 720px) {
  .nav-secure-upload {
    width:100%;
    min-height:46px;
    border-radius:14px;
    padding:.72rem .9rem;
    background:rgba(246,239,227,.82);
  }
}


/* Tools menu Secure Upload link */
.mega-tool-secure-upload {
  min-height:42px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:.75rem;
  border:1px solid rgba(199,154,59,.24);
  border-radius:12px;
  padding:.52rem .65rem;
  background:rgba(246,239,227,.72);
  color:var(--navy) !important;
  text-decoration:none;
  font-weight:850;
}
.mega-tool-secure-upload:hover,
.mega-tool-secure-upload:focus-visible { background:rgba(227,201,133,.48); transform:translateY(-1px); }
.mega-tool-secure-upload::after { display:none !important; }
.mega-tool-secure-upload em {
  flex:0 0 auto;
  border-radius:999px;
  background:rgba(6,27,49,.08);
  color:var(--muted);
  padding:.16rem .42rem;
  font-size:.68rem;
  font-style:normal;
  font-weight:850;
}
@media (max-width: 720px) {
  .mega-tool-secure-upload { min-height:42px; }
}


/* Pre-approval / Tally intake page */
.preapproval-main {
  background:
    radial-gradient(circle at top left, rgba(227,201,133,.20), transparent 34%),
    linear-gradient(135deg, #f8f3ea 0%, #ffffff 46%, #eef5fb 100%);
  padding-block: clamp(1.4rem, 4vw, 3rem) clamp(2.4rem, 6vw, 4.8rem);
}
.preapproval-container {
  width: min(100% - 1.25rem, 1040px);
}
.preapproval-hero-card,
.preapproval-security-card,
.preapproval-form-help,
.preapproval-form-card {
  max-width: 980px;
  margin-inline: auto;
}
.preapproval-hero-card {
  border: 1px solid rgba(6,27,49,.09);
  border-radius: clamp(22px, 4vw, 32px);
  background: rgba(255,255,255,.82);
  -webkit-backdrop-filter: blur(24px) saturate(150%);
  backdrop-filter: blur(24px) saturate(150%);
  box-shadow: 0 24px 60px rgba(6,27,49,.10), inset 0 1px 0 rgba(255,255,255,.82);
  padding: clamp(1.35rem, 4.5vw, 3rem);
  text-align: center;
}
.preapproval-kicker {
  margin: 0 0 .7rem;
  color: var(--gold);
  font-size: .76rem;
  font-weight: 900;
  letter-spacing: .16em;
  text-transform: uppercase;
}
.preapproval-hero-card h1 {
  max-width: 820px;
  margin-inline: auto;
  color: var(--navy);
  font-size: clamp(2.3rem, 6vw, 4.7rem);
}
.preapproval-subtitle {
  max-width: 720px;
  margin: 1rem auto 0;
  color: #4f5f73;
  font-size: clamp(1rem, 2vw, 1.18rem);
  line-height: 1.72;
}
.preapproval-trust-note {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .45rem;
  margin: 1.2rem auto 0;
  border: 1px solid rgba(199,154,59,.28);
  border-radius: 999px;
  background: rgba(246,239,227,.72);
  color: var(--navy);
  padding: .62rem .9rem;
  font-size: .92rem;
  font-weight: 850;
}
.preapproval-trust-note::before { content: "✓"; color: var(--gold); font-weight: 950; }
.preapproval-security-card {
  display: grid;
  grid-template-columns: minmax(170px, .35fr) 1fr;
  gap: clamp(1rem, 3vw, 2rem);
  align-items: start;
  margin-top: clamp(1rem, 2.6vw, 1.5rem);
  border: 1px solid rgba(6,27,49,.08);
  border-radius: 24px;
  background: rgba(255,255,255,.74);
  box-shadow: 0 14px 36px rgba(6,27,49,.075);
  padding: clamp(1.1rem, 3vw, 1.65rem);
}
.preapproval-security-card h2 {
  color: var(--navy);
  font-family: "Manrope", ui-sans-serif, system-ui, sans-serif;
  font-size: .9rem;
  line-height: 1.3;
  letter-spacing: .12em;
  text-transform: uppercase;
}
.preapproval-security-card ul {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  gap: .62rem;
}
.preapproval-security-card li {
  position: relative;
  padding-left: 1.35rem;
  color: #526277;
  line-height: 1.6;
  font-size: .96rem;
}
.preapproval-security-card li::before {
  content: "•";
  position: absolute;
  left: .2rem;
  color: var(--gold);
  font-weight: 950;
}
.preapproval-form-help { margin-top: clamp(1rem, 2.6vw, 1.45rem); }
.preapproval-form-card {
  border-radius: clamp(20px, 4vw, 30px);
  border-color: rgba(6,27,49,.09);
  background: linear-gradient(180deg, #fff, #fbfcfe);
  box-shadow: 0 28px 70px rgba(6,27,49,.13), inset 0 1px 0 rgba(255,255,255,.9);
}
@media (max-width: 720px) {
  .preapproval-main { padding-block: 1rem 2.4rem; }
  .preapproval-hero-card { text-align: left; }
  .preapproval-hero-card h1 { font-size: clamp(2.18rem, 11vw, 3.4rem); }
  .preapproval-trust-note { align-items: flex-start; border-radius: 18px; width: 100%; justify-content: flex-start; }
  .preapproval-security-card { grid-template-columns: 1fr; border-radius: 20px; }
  .preapproval-form-card { border-radius: 20px; }
}


/* Premium mobile header refinement: calmer Apple/luxury finance hamburger */
@media (max-width: 720px) {
  .site-header {
    background: rgba(255,255,255,.78);
    -webkit-backdrop-filter: saturate(170%) blur(18px);
    backdrop-filter: saturate(170%) blur(18px);
  }
  .site-header.is-scrolled {
    background: rgba(255,255,255,.86);
    box-shadow: 0 8px 24px rgba(6,27,49,.055);
  }
  .header-inner {
    min-height: 58px !important;
    padding-block: .28rem !important;
  }
  .brand-logo {
    width: min(180px, 59vw) !important;
    max-height: 44px !important;
  }
  .mobile-nav-toggle {
    width: 48px !important;
    height: 48px !important;
    display: inline-flex !important;
    flex-direction: column !important;
    align-items: center !important;
    justify-content: center !important;
    gap: 4.5px !important;
    padding: 0 !important;
    border-radius: 999px !important;
    color: #fff !important;
    background: rgba(6,27,49,.70) !important;
    border: 1px solid rgba(255,255,255,.20) !important;
    box-shadow: 0 6px 16px rgba(6,27,49,.12), inset 0 1px 0 rgba(255,255,255,.18) !important;
    -webkit-backdrop-filter: blur(16px) saturate(150%);
    backdrop-filter: blur(16px) saturate(150%);
    transform: none !important;
    transition: background 180ms ease, border-color 180ms ease, box-shadow 180ms ease, transform 180ms ease !important;
  }
  .mobile-nav-toggle:hover,
  .mobile-nav-toggle:focus-visible {
    background: rgba(6,27,49,.78) !important;
    border-color: rgba(255,255,255,.28) !important;
    box-shadow: 0 8px 18px rgba(6,27,49,.14), inset 0 1px 0 rgba(255,255,255,.20) !important;
  }
  .mobile-nav-toggle:active { transform: scale(.985) !important; }
  .mobile-nav-toggle span:not(.mobile-menu-glyph) {
    width: 17px !important;
    height: 1.7px !important;
    margin: 0 !important;
    border-radius: 999px !important;
    background: currentColor !important;
    transform-origin: center !important;
  }
  .mobile-nav-toggle .mobile-menu-glyph { display: none !important; }
  body.mobile-nav-open .mobile-nav-toggle {
    background: rgba(6,27,49,.82) !important;
    box-shadow: 0 8px 20px rgba(6,27,49,.15), inset 0 1px 0 rgba(255,255,255,.16) !important;
  }
  body.mobile-nav-open .mobile-nav-toggle span:nth-child(1) { transform: translateY(6.2px) rotate(45deg) !important; }
  body.mobile-nav-open .mobile-nav-toggle span:nth-child(2) { opacity: 0 !important; transform: scaleX(.55) !important; }
  body.mobile-nav-open .mobile-nav-toggle span:nth-child(3) { transform: translateY(-6.2px) rotate(-45deg) !important; }
  .desktop-nav { top: calc(58px + env(safe-area-inset-top, 0px)) !important; }
  .hero { min-height: calc(100svh - 58px) !important; }
}
@media (max-width: 420px) {
  .header-inner { min-height: 56px !important; padding-block: .24rem !important; }
  .brand-logo { width: min(172px, 58vw) !important; max-height: 42px !important; }
  .mobile-nav-toggle { width: 46px !important; height: 46px !important; }
  .desktop-nav { top: calc(56px + env(safe-area-inset-top, 0px)) !important; }
  .hero { min-height: calc(100svh - 56px) !important; }
}


/* Reliable minimal hamburger icon rendering */
@media (max-width: 720px) {
  .mobile-nav-toggle { position: relative !important; }
  .mobile-nav-toggle span { display: none !important; }
  .mobile-nav-toggle::before,
  .mobile-nav-toggle::after {
    content: "";
    position: absolute;
    left: 50%;
    top: 50%;
    width: 17.5px;
    height: 1.7px;
    border-radius: 999px;
    background: #fff;
    transform: translate(-50%, -50%);
    transition: transform 220ms cubic-bezier(.22,1,.36,1), box-shadow 180ms ease, opacity 180ms ease;
  }
  .mobile-nav-toggle::before { box-shadow: 0 -5.8px 0 #fff, 0 5.8px 0 #fff; }
  .mobile-nav-toggle::after { opacity: 0; }
  body.mobile-nav-open .mobile-nav-toggle::before {
    box-shadow: none;
    transform: translate(-50%, -50%) rotate(45deg);
  }
  body.mobile-nav-open .mobile-nav-toggle::after {
    opacity: 1;
    transform: translate(-50%, -50%) rotate(-45deg);
  }
}