:root {
    --teal: #3a8e87;
    --teal-deep: #2b6b66;
    --teal-soft: #d6e7e5;
    --gold: #d2a55f;
    --gold-deep: #b48543;
    --gold-soft: #f3e4c8;
    --cream: #faf5ec;
    --cream-2: #f4ecdd;
    --ink: #211d18;
    --ink-2: #5c5448;
    --ink-3: #8a8170;
    --line: #e7dcc6;
    --white: #fffdf7;
  }

  * { box-sizing: border-box; }
  .sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
  html, body { margin: 0; padding: 0; }
  body {
    font-family: "Manrope", ui-sans-serif, system-ui, sans-serif;
    background: var(--cream);
    color: var(--ink);
    -webkit-font-smoothing: antialiased;
    text-rendering: optimizeLegibility;
    font-size: 16px;
    line-height: 1.55;
  }
  ::selection { background: var(--teal); color: var(--white); }

  .serif { font-family: "Instrument Serif", "Times New Roman", serif; font-weight: 400; font-style: normal; letter-spacing: -0.01em; }
  .serif-i { font-family: "Instrument Serif", serif; font-style: italic; }
  .script { font-family: "Caveat", cursive; font-weight: 600; }
  .mono { font-family: ui-monospace, "SF Mono", Menlo, monospace; }
  .eyebrow {
    font-family: "Manrope", sans-serif;
    font-size: 11px; font-weight: 600;
    letter-spacing: 0.18em; text-transform: uppercase;
    color: var(--teal-deep);
  }

  a { color: inherit; text-decoration: none; }

  /* ── topbar ─────────────────────────── */
  .topbar {
    background: var(--ink);
    color: rgba(250,245,236,0.85);
    border-bottom: 1px solid rgba(255,255,255,0.06);
    position: sticky;
    top: 0;
    z-index: 51;
  }
  .topbar-inner {
    max-width: 1280px; margin: 0 auto;
    padding: 10px 40px;
    display: flex; align-items: center; justify-content: space-between;
    gap: 24px;
    font-size: 13px;
  }
  .topbar-left, .topbar-right { display: flex; align-items: center; gap: 18px; }
  .tb-item { display: inline-flex; align-items: center; gap: 8px; color: rgba(250,245,236,0.9); font-weight: 500; white-space: nowrap; }
  .tb-item:hover { color: var(--gold); }
  .tb-muted { color: rgba(250,245,236,0.55); font-weight: 400; }
  .tb-divider {
    display: inline-block;
    width: 1px; height: 14px;
    background: rgba(255,255,255,0.15);
  }
  .tb-apply {
    display: inline-flex; align-items: center; gap: 8px;
    background: var(--gold);
    white-space: nowrap;
    color: var(--ink);
    padding: 7px 14px;
    border-radius: 999px;
    font-size: 12.5px;
    font-weight: 700;
    transition: all .15s;
    border: 1px solid var(--gold);
  }
  .tb-apply:hover {
    background: var(--gold-deep);
    border-color: var(--gold-deep);
    color: var(--white);
  }
  @media (max-width: 1024px) {
    .topbar-inner { padding: 10px 24px; gap: 12px; flex-wrap: wrap; }
    .topbar-left, .topbar-right { gap: 12px; flex-wrap: wrap; }
  }
  @media (max-width: 700px) {
    .topbar { display: none; }
  }

  /* ── header ───────────────────────────── */
  .nav {
    position: sticky; top: 41px; z-index: 50;
    backdrop-filter: blur(14px) saturate(160%);
    -webkit-backdrop-filter: blur(14px) saturate(160%);
    background: rgba(250, 245, 236, 0.78);
    border-bottom: 1px solid rgba(231, 220, 198, 0.6);
  }
  .nav-inner {
    max-width: 1280px; margin: 0 auto;
    padding: 14px 40px;
    display: flex; align-items: center; justify-content: space-between;
    gap: 24px;
  }
  .brand {
    display: flex; align-items: center; gap: 10px;
    font-family: "Instrument Serif", serif;
    font-size: 22px;
  }
  .brand img { height: 38px; width: auto; display: block; }
  .brand-text { display: flex; flex-direction: column; line-height: 1; }
  .brand-text b { color: var(--teal-deep); font-weight: 400; font-size: 24px; }
  .brand-text small { font-family: "Manrope", sans-serif; font-size: 9px; letter-spacing: 0.18em; text-transform: uppercase; color: var(--gold-deep); font-weight: 700; margin-top: 3px; }

  .nav-links { display: flex; gap: 28px; align-items: center; }
  .nav-links a {
    font-size: 14px; font-weight: 500; color: var(--ink-2);
    transition: color .15s;
  }
  .nav-links a:hover { color: var(--teal-deep); }

  .nav-cta { display: flex; gap: 10px; align-items: center; }

  /* Hamburger button - hidden on desktop, visible <1024px */
  .nav-burger {
    display: none;
    width: 42px; height: 42px;
    background: transparent;
    border: 1px solid var(--line);
    border-radius: 10px;
    padding: 0;
    cursor: pointer;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 4px;
    transition: background .15s, border-color .15s;
  }
  .nav-burger:hover { background: var(--white); border-color: var(--ink-3); }
  .nav-burger span {
    display: block;
    width: 18px; height: 2px;
    background: var(--ink);
    border-radius: 2px;
    transition: transform .25s, opacity .25s;
    transform-origin: center;
  }
  .nav-burger.open span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
  .nav-burger.open span:nth-child(2) { opacity: 0; }
  .nav-burger.open span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }

  /* Mobile drawer - hidden on desktop */
  .nav-drawer {
    position: fixed;
    inset: 0;
    background: rgba(33, 29, 24, 0);
    z-index: 49;
    pointer-events: none;
    transition: background .3s;
    visibility: hidden;
  }
  .nav-drawer.open {
    background: rgba(33, 29, 24, 0.5);
    pointer-events: auto;
    visibility: visible;
  }
  .nav-drawer-panel {
    position: absolute;
    top: 0; right: 0; bottom: 0;
    width: min(360px, 88vw);
    background: var(--cream);
    border-left: 1px solid var(--line);
    padding: 88px 32px 32px;
    display: flex;
    flex-direction: column;
    gap: 4px;
    transform: translateX(100%);
    transition: transform .3s cubic-bezier(.4, 0, .2, 1);
    overflow-y: auto;
  }
  .nav-drawer.open .nav-drawer-panel { transform: translateX(0); }
  .nav-drawer-panel > a {
    font-family: "Instrument Serif", serif;
    font-size: 28px;
    color: var(--ink);
    padding: 14px 0;
    border-bottom: 1px solid var(--line);
    line-height: 1;
    transition: color .15s, padding .15s;
  }
  .nav-drawer-panel > a:hover { color: var(--teal-deep); padding-left: 6px; }
  .nav-drawer-cta {
    margin-top: 16px;
    background: var(--teal);
    color: var(--white) !important;
    border-radius: 999px;
    padding: 14px 22px !important;
    border: 1px solid var(--teal-deep) !important;
    font-family: "Manrope", sans-serif !important;
    font-size: 15px !important;
    font-weight: 600;
    text-align: center;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    box-shadow: 0 6px 18px -8px rgba(43, 107, 102, 0.6);
  }
  .nav-drawer-cta:hover { background: var(--teal-deep) !important; padding-left: 22px !important; }
  .nav-drawer-sub {
    margin-top: 24px;
    padding-top: 24px;
    border-top: 1px solid var(--line);
    display: flex;
    flex-direction: column;
    gap: 14px;
  }
  .nav-drawer-sub a {
    display: inline-flex; align-items: center; gap: 10px;
    font-size: 14px; color: var(--ink-2);
    font-weight: 500;
  }
  .nav-drawer-sub a:hover { color: var(--teal-deep); }

  .btn {
    display: inline-flex; align-items: center; gap: 8px;
    padding: 11px 18px;
    background: var(--teal);
    color: var(--white);
    border-radius: 999px;
    font-size: 14px; font-weight: 600;
    border: 1px solid var(--teal-deep);
    cursor: pointer;
    white-space: nowrap;
    transition: transform .15s, background .15s, box-shadow .2s;
    box-shadow: 0 1px 0 rgba(255,255,255,.25) inset, 0 6px 18px -8px rgba(43,107,102,.6);
  }
  .btn:hover { background: var(--teal-deep); transform: translateY(-1px); }
  .btn.ghost {
    background: transparent; color: var(--ink);
    border: 1px solid var(--line);
    box-shadow: none;
  }
  .btn.ghost:hover { background: var(--white); border-color: var(--ink-3); }
  .btn.gold { background: var(--gold-deep); border-color: var(--gold-deep); }
  .btn.gold:hover { background: #8e6a37; }

  /* ── layout helpers ──────────────────── */
  .wrap { max-width: 1280px; margin: 0 auto; padding: 0 40px; }
  section { padding: 96px 0; }
  /* Anchor-target offset so the sticky topbar + nav don't cover the heading
     when arriving at #about / #services / #calculator / #process / #contact / #faq. */
  section[id] { scroll-margin-top: 92px; }
  .section-head { display: flex; align-items: end; justify-content: space-between; gap: 40px; margin-bottom: 56px; }
  .section-head h2 { margin: 0; }
  h2.serif { font-size: clamp(40px, 5vw, 64px); line-height: 0.98; letter-spacing: -0.02em; }
  h3.serif { font-size: 32px; line-height: 1.05; margin: 0; }

  /* ── hero ─────────────────────────────── */
  .hero { padding-top: 36px; padding-bottom: 0; position: relative; overflow: hidden; }
  .hero-grid {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 24px;
    align-items: center;
  }
  .hero-copy { padding: 40px 0 80px; }
  .hero-tag { display: inline-flex; align-items: center; gap: 10px; padding: 6px 12px; border: 1px solid var(--line); border-radius: 999px; background: var(--white); margin-bottom: 28px; font-size: 12px; font-weight: 500; color: var(--ink-2); }
  .hero-tag .dot { width: 7px; height: 7px; border-radius: 50%; background: #4caf50; box-shadow: 0 0 0 3px rgba(76, 175, 80, 0.18); }
  .hero h1 {
    font-family: "Instrument Serif", serif;
    font-size: clamp(56px, 8.2vw, 110px);
    line-height: 0.92;
    letter-spacing: -0.025em;
    margin: 0 0 28px;
    color: var(--ink);
  }
  .hero h1 .accent { color: var(--teal-deep); font-style: italic; }
  .hero h1 .gold { color: var(--gold-deep); }
  .hero p.lede { font-size: 19px; line-height: 1.5; color: var(--ink-2); max-width: 480px; margin: 0 0 36px; }
  .hero-cta { display: flex; gap: 12px; align-items: center; flex-wrap: wrap; }
  .hero-meta { margin-top: 44px; display: flex; gap: 32px; align-items: flex-start; }
  .hero-meta-divider { width: 1px; height: 40px; background: var(--line); align-self: center; flex-shrink: 0; }
  .hero-meta .stat .n.stat-word { font-size: 24px; }
  .hero-meta .stat .n { font-family: "Instrument Serif", serif; font-size: 38px; color: var(--ink); line-height: 1; }
  .hero-meta .stat .n .sm { font-size: 22px; color: var(--gold-deep); }
  .hero-meta .stat .l { font-size: 12px; color: var(--ink-3); text-transform: uppercase; letter-spacing: 0.1em; margin-top: 8px; }

  .hero-art {
    position: relative;
    align-self: center;
    padding-bottom: 0;
    margin-top: -40px;
  }
  .hero-art-bg {
    position: absolute; inset: auto 0 -40px 0;
    height: 70%;
    background: radial-gradient(ellipse 70% 60% at 60% 100%, var(--gold-soft) 0%, transparent 70%),
                linear-gradient(180deg, transparent 0%, var(--cream-2) 60%);
    border-radius: 50% 50% 0 0 / 30% 30% 0 0;
    z-index: 0;
  }
  .hero-art img {
    position: relative;
    z-index: 1;
    width: 100%;
    max-width: 580px;
    display: block;
    margin: 0 auto;
    filter: drop-shadow(0 30px 50px rgba(60, 50, 30, 0.18));
  }

  /* Blended variant: headshot in the hero instead of the mascot */
  .hero-art--headshot { margin-top: 0; padding: 40px 0 0; }
  .hero-art--headshot .hero-art-bg {
    inset: 20px 30px 0 30px;
    height: auto;
    bottom: 0;
    background: linear-gradient(160deg, var(--gold-soft) 0%, var(--teal-soft) 100%);
    border-radius: 8px 8px 0 0;
  }
  .hero-headshot {
    position: relative;
    z-index: 1;
    width: 100%;
    max-width: 460px;
    margin: 0 auto;
    aspect-ratio: 4/5;
    overflow: hidden;
    border-radius: 6px;
    box-shadow: 0 30px 60px -20px rgba(60, 50, 30, 0.25);
    border: 1px solid var(--line);
    background: var(--cream);
  }
  .hero-headshot img {
    width: 100%; height: 100%;
    object-fit: cover;
    display: block;
    filter: none;
  }
  .hero-art--headshot .hero-note {
    top: auto;
    bottom: 40px;
    right: -10px;
    transform: rotate(3deg);
  }

  /* Preview-only switcher bar */
  .preview-switcher {
    position: sticky; top: 64px; z-index: 49;
    background: var(--ink);
    color: var(--cream);
    padding: 10px 0;
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }
  .preview-switcher-inner {
    max-width: 1280px; margin: 0 auto;
    padding: 0 40px;
    display: flex; align-items: center; gap: 16px;
    flex-wrap: wrap;
  }
  .preview-switcher-label {
    font-size: 11px; font-weight: 700;
    letter-spacing: 0.14em; text-transform: uppercase;
    color: var(--gold);
  }
  .preview-switcher-btns { display: flex; gap: 6px; flex-wrap: wrap; }
  .ps-btn {
    background: transparent;
    border: 1px solid rgba(255,255,255,0.2);
    color: rgba(250,245,236,0.7);
    padding: 6px 12px;
    border-radius: 999px;
    font-size: 12px;
    font-family: inherit;
    cursor: pointer;
    transition: all .15s;
  }
  .ps-btn:hover { color: var(--cream); border-color: rgba(255,255,255,0.4); }
  .ps-btn.on { background: var(--gold); border-color: var(--gold); color: var(--ink); font-weight: 600; }
  .preview-switcher-note { font-size: 10px; color: rgba(250,245,236,0.4); margin-left: auto; font-style: italic; }

  /* Stacked hero: mascot on top, headshot below */
  .hero-art--stacked { margin-top: 0; padding: 20px 0 0; display: flex; flex-direction: column; align-items: center; gap: 0; }
  .hero-art--stacked .hero-art-bg {
    inset: 50% 30px 0 30px;
    height: auto;
    bottom: 0;
    background: linear-gradient(160deg, var(--gold-soft) 0%, var(--teal-soft) 100%);
    border-radius: 8px 8px 0 0;
  }
  .hero-art--stacked .hero-stacked-mascot {
    position: relative;
    z-index: 2;
    width: 100%;
    max-width: 200px;
    display: block;
    margin: 0 auto 16px;
    filter: drop-shadow(0 20px 40px rgba(60, 50, 30, 0.18));
  }
  .hero-headshot {
    position: relative;
    z-index: 1;
    width: 100%;
    max-width: 312px;
    margin: 0 auto;
    padding: 12px 12px 14px;
    aspect-ratio: 4/5;
    border-radius: 8px;
    box-shadow: 0 30px 60px -20px rgba(60, 50, 30, 0.28), 0 2px 6px rgba(60, 50, 30, 0.10);
    border: 1px solid var(--line);
    background: var(--white);
  }
  .hero-headshot img {
    width: 100%; height: 100%;
    object-fit: cover;
    display: block;
    border-radius: 4px;
    box-shadow: 0 0 0 1px rgba(60, 50, 30, 0.08) inset;
    filter: none;
  }
  .hero-headshot--circle {
    max-width: 360px;
    aspect-ratio: 1 / 1;
    padding: 0;
    border-radius: 50%;
    border: 6px solid var(--white);
    background: var(--white);
    box-shadow: 0 30px 60px -20px rgba(60, 50, 30, 0.30), 0 2px 6px rgba(60, 50, 30, 0.10);
  }
  .hero-headshot--circle img {
    border-radius: 50%;
    box-shadow: none;
  }
  .hero-art--stacked .hero-note {
    top: auto;
    bottom: 30px;
    right: -20px;
    transform: rotate(3deg);
  }

  /* Variant: Badge — headshot with a circular dog logo badge stuck on the corner */
  .hero-art--badge { padding: 30px 0 0; }
  .hero-art--badge .hero-art-bg {
    inset: 30px 30px 0 30px; height: auto; bottom: 0;
    background: linear-gradient(160deg, var(--gold-soft) 0%, var(--teal-soft) 100%);
    border-radius: 8px 8px 0 0;
  }
  .hero-art--badge .hero-headshot {
    position: relative; z-index: 1;
    width: 100%; max-width: 460px; margin: 0 auto;
    aspect-ratio: 4/5; overflow: visible;
    border-radius: 6px;
    box-shadow: 0 30px 60px -20px rgba(60, 50, 30, 0.25);
    border: 1px solid var(--line);
  }
  .hero-art--badge .hero-headshot img {
    width: 100%; height: 100%; object-fit: cover;
    display: block; border-radius: 6px;
  }
  .badge-mark {
    position: absolute;
    top: -40px; right: -30px;
    width: 130px; height: 130px;
    border-radius: 50%;
    background: var(--cream);
    border: 4px solid var(--cream);
    box-shadow: 0 12px 30px -8px rgba(0,0,0,.25);
    display: flex; align-items: center; justify-content: center;
    overflow: hidden;
    transform: rotate(-6deg);
  }
  .badge-mark img { width: 110%; height: 110%; object-fit: cover; }
  .hero-art--badge .hero-note { top: auto; bottom: 40px; right: -20px; transform: rotate(3deg); }

  /* Variant: Side-by-side — logo card next to headshot card */
  .hero-art--sidebyside { padding: 20px 0 0; }
  .hero-art--sidebyside .hero-art-bg {
    inset: 30px 0 0 0; height: auto; bottom: 0;
    background: linear-gradient(160deg, var(--gold-soft) 0%, var(--teal-soft) 100%);
    border-radius: 8px 8px 0 0;
  }
  .sbs-grid {
    position: relative; z-index: 1;
    display: grid;
    grid-template-columns: 1fr 1.2fr;
    gap: 14px;
    align-items: end;
    padding: 24px;
  }
  .sbs-mascot {
    aspect-ratio: 4/5;
    background: var(--cream);
    border-radius: 6px;
    border: 1px solid var(--line);
    box-shadow: 0 20px 40px -15px rgba(60, 50, 30, 0.2);
    display: flex; align-items: center; justify-content: center;
    padding: 16px;
    overflow: hidden;
  }
  .sbs-mascot img { width: 100%; height: auto; object-fit: contain; }
  .sbs-headshot {
    aspect-ratio: 4/5;
    border-radius: 6px;
    overflow: hidden;
    border: 1px solid var(--line);
    box-shadow: 0 20px 40px -15px rgba(60, 50, 30, 0.25);
  }
  .sbs-headshot img { width: 100%; height: 100%; object-fit: cover; display: block; }
  .hero-art--sidebyside .hero-note { top: -10px; right: 10px; transform: rotate(2deg); }

  /* Variant: Polaroid — two photo cards stacked on a soft background */
  .hero-art--polaroid { padding: 40px 20px 0; position: relative; min-height: 540px; }
  .hero-art--polaroid .hero-art-bg {
    inset: 60px 0 0 0; height: auto; bottom: 0;
    background: linear-gradient(160deg, var(--cream-2), var(--gold-soft) 80%);
    border-radius: 8px 8px 0 0;
  }
  .polaroid {
    position: absolute;
    z-index: 1;
    background: var(--white);
    padding: 12px 12px 36px;
    border-radius: 2px;
    box-shadow: 0 14px 30px -10px rgba(0,0,0,.25);
    border: 1px solid rgba(0,0,0,0.04);
  }
  .polaroid img { display: block; width: 100%; height: 100%; object-fit: cover; }
  .polaroid-cap {
    position: absolute;
    bottom: 6px; left: 0; right: 0;
    text-align: center;
    color: var(--teal-deep);
    font-size: 22px;
    line-height: 1;
  }
  .polaroid--mascot {
    top: 30px; left: 8%;
    width: 200px; height: 220px;
    transform: rotate(-6deg);
    padding: 16px 16px 36px;
  }
  .polaroid--mascot img { object-fit: contain; }
  .polaroid--head {
    top: 90px; right: 4%;
    width: 280px; height: 340px;
    transform: rotate(4deg);
  }
  .polaroid--head img { width: 100%; height: 100%; }

  /* Variant: Portrait — big headshot with floating mascot accent */
  .hero-art--portrait { padding: 30px 0 0; position: relative; }
  .hero-art--portrait .hero-art-bg {
    inset: 50px 40px 0 40px; height: auto; bottom: 0;
    background: linear-gradient(160deg, var(--teal-soft) 0%, var(--gold-soft) 100%);
    border-radius: 8px;
  }
  .portrait-frame {
    position: relative; z-index: 1;
    width: 100%; max-width: 380px;
    margin: 0 auto;
    aspect-ratio: 4/5;
    overflow: hidden;
    box-shadow: 0 30px 60px -20px rgba(60, 50, 30, 0.25);
    border: 1px solid var(--line);
    border-radius: 6px;
  }
  .portrait-img { width: 100%; height: 100%; object-fit: cover; display: block; }
  /* Mascot-in-frame variant: contain instead of cover so the logo isn't cropped */
  .portrait-frame--mascot {
    background: linear-gradient(160deg, var(--cream) 0%, var(--gold-soft) 100%);
    display: flex; align-items: center; justify-content: center;
    padding: 24px;
  }
  .portrait-frame--mascot .portrait-img { object-fit: contain; }
  /* Circular Jeremy accent floating off the corner of the mascot frame */
  .portrait-headshot-accent {
    position: absolute;
    bottom: -20px; right: -10px;
    width: 150px; height: 150px;
    border-radius: 50%;
    overflow: hidden;
    border: 5px solid var(--cream);
    box-shadow: 0 16px 30px -8px rgba(60, 50, 30, 0.35);
    z-index: 3;
  }
  .portrait-headshot-accent img {
    width: 100%; height: 100%;
    object-fit: cover;
    display: block;
  }
  .portrait-mascot {
    position: absolute;
    bottom: -10px; right: 4%;
    width: 160px;
    z-index: 2;
    filter: drop-shadow(0 16px 30px rgba(60, 50, 30, 0.25));
  }
  .hero-art--portrait .hero-note { top: 0; left: 10px; right: auto; transform: rotate(-3deg); }

  /* Portrait frame variants */
  .frame-arch .portrait-frame { border-radius: 200px 200px 6px 6px; }
  .frame-arch .hero-art-bg { border-radius: 200px 200px 8px 8px; }

  .frame-rect .portrait-frame { border-radius: 4px; }
  .frame-rect .hero-art-bg { border-radius: 4px; }

  .frame-soft .portrait-frame { border-radius: 24px; }
  .frame-soft .hero-art-bg { border-radius: 28px; }

  .frame-circle .portrait-frame {
    border-radius: 50%;
    aspect-ratio: 1;
    max-width: 420px;
  }
  .frame-circle .hero-art-bg { border-radius: 50%; inset: 80px 60px auto 60px; aspect-ratio: 1; height: auto; }
  .frame-circle .portrait-mascot { bottom: 20px; right: 0; }

  /* ── why fetch (Winnie) ───────────────────── */
  .whyfetch { padding: 96px 0; background: linear-gradient(180deg, var(--cream) 0%, var(--cream-2) 100%); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
  .whyfetch-grid {
    display: grid;
    grid-template-columns: 0.95fr 1.05fr;
    gap: 72px;
    align-items: center;
  }
  .whyfetch-photo-col { display: flex; justify-content: center; }
  .winnie-polaroid {
    position: relative;
    background: var(--white);
    padding: 18px 18px 56px;
    border-radius: 4px;
    box-shadow: 0 28px 48px -16px rgba(0,0,0,.28), 0 6px 14px -4px rgba(0,0,0,.12);
    transform: rotate(-3deg);
    max-width: 360px;
    width: 100%;
  }
  .winnie-frame {
    position: relative;
    aspect-ratio: 4 / 5;
    overflow: hidden;
    background: var(--cream-2);
  }
  .winnie-frame img { width: 100%; height: 100%; object-fit: cover; display: block; }
  .winnie-placeholder {
    position: absolute;
    inset: 0;
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--cream-2);
  }
  .winnie-placeholder-stripes {
    position: absolute;
    inset: 0;
    background-image: repeating-linear-gradient(45deg, transparent 0, transparent 14px, rgba(0,0,0,0.05) 14px, rgba(0,0,0,0.05) 15px);
  }
  .winnie-placeholder-label {
    position: relative;
    text-align: center;
    color: var(--ink-2);
    padding: 16px;
  }
  .winnie-placeholder-label .wpl-eyebrow {
    font-family: "Manrope";
    font-size: 10px;
    letter-spacing: 0.22em;
    text-transform: uppercase;
    font-weight: 700;
    color: var(--teal-deep);
    margin-bottom: 8px;
  }
  .winnie-placeholder-label .wpl-title {
    font-family: "Caveat", cursive;
    font-size: 44px;
    line-height: 1;
    color: var(--ink);
    margin-bottom: 12px;
  }
  .winnie-placeholder-label .wpl-hint {
    font-family: ui-monospace, "SF Mono", Menlo, monospace;
    font-size: 11px;
    line-height: 1.5;
    color: var(--ink-3);
  }
  .winnie-placeholder-label code {
    font-family: inherit;
    background: rgba(0,0,0,0.06);
    padding: 1px 4px;
    border-radius: 3px;
  }
  .winnie-cap {
    position: absolute;
    bottom: 12px; left: 0; right: 0;
    text-align: center;
    color: var(--teal-deep);
    font-size: 30px;
    line-height: 1;
  }
  .winnie-tape {
    position: absolute;
    width: 64px; height: 18px;
    background: rgba(232, 195, 90, 0.55);
    box-shadow: 0 1px 3px rgba(0,0,0,.08);
  }
  .winnie-tape--tl { top: -8px; left: -18px; transform: rotate(-22deg); }
  .winnie-tape--br { bottom: 30px; right: -16px; transform: rotate(28deg); }
  .whyfetch-copy h2 { font-size: clamp(40px, 5.2vw, 64px); line-height: 1.02; margin: 8px 0 24px; }
  .whyfetch-copy p { font-size: 17px; line-height: 1.65; color: var(--ink-2); margin: 0 0 18px; max-width: 540px; }
  .whyfetch-copy p em { font-style: italic; color: var(--ink); }
  .whyfetch-sign { margin-top: 28px; font-size: 28px; color: var(--gold-deep); line-height: 1; }
  @media (max-width: 900px) {
    .whyfetch { padding: 64px 0; }
    .whyfetch-grid { grid-template-columns: 1fr; gap: 40px; }
    .winnie-polaroid { transform: rotate(-2deg); max-width: 300px; }
  }

  /* Compact About: half-page, copy left + creds right, no big imagery */
  .about-compact { padding: 64px 0; }
  .about-grid--compact {
    display: grid;
    grid-template-columns: 1.1fr 0.9fr;
    gap: 56px;
    align-items: center;
  }
  .about-copy h2 { margin-bottom: 16px; font-size: clamp(32px, 4vw, 48px); }
  .about-copy p { margin-bottom: 14px; }
  .about-copy .pull { font-size: 22px; margin: 24px 0 0; }
  .about-creds--stacked {
    display: flex;
    flex-direction: column;
    gap: 12px;
    margin-top: 0;
  }
  .about-creds--stacked .cred { padding: 16px 18px; }

  .about-photo-col { display: flex; align-items: center; justify-content: center; }
  .about-duo { display: flex; flex-direction: column; gap: 12px; width: 100%; max-width: 340px; }
  .about-photo-card { display: flex; flex-direction: column; gap: 8px; }
  .about-photo-frame { border-radius: 14px; overflow: hidden; aspect-ratio: 4/3; background: var(--cream-2); border: 1px solid var(--line); }
  .about-winnie-img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 42%; display: block; }
  .about-jeremy-img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 18%; display: block; }
  .about-photo-cap { font-size: 13px; font-weight: 600; color: var(--ink-2); display: flex; flex-direction: column; gap: 2px; padding: 0 2px; }
  .about-photo-cap .script { font-family: "Caveat", cursive; font-size: 18px; font-weight: 500; color: var(--ink); line-height: 1; }
  .about-photo-role { font-size: 11px; font-weight: 400; color: var(--ink-3); text-transform: uppercase; letter-spacing: 0.08em; }
  .about-why-fetch { font-family: "Instrument Serif", serif; font-size: 26px; color: var(--teal-deep); margin: 28px 0 10px; line-height: 1.2; }
  .about-winnie-copy { color: var(--ink-2); line-height: 1.65; margin: 0; }
  .about-pull--between { font-family: "Instrument Serif", serif; font-style: italic; font-size: 17px; line-height: 1.5; color: var(--ink-2); padding: 14px 18px; border-left: 2px solid var(--gold); background: var(--cream-2); border-radius: 0 8px 8px 0; }
  .about-right { display: flex; flex-direction: column; gap: 24px; }
  .about-pull {
    padding: 20px 0 0;
    font-family: "Instrument Serif", serif;
    font-style: italic;
    font-size: 20px;
    line-height: 1.35;
    color: var(--ink);
    padding-left: 20px;
    border-left: 2px solid var(--gold);
  }
  .hero-note {
    position: absolute;
    top: 0; right: 10px;
    z-index: 2;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 16px;
    padding: 14px 16px;
    font-size: 13px;
    color: var(--ink-2);
    max-width: 220px;
    box-shadow: 0 10px 30px -10px rgba(0,0,0,.15);
    transform: rotate(2deg);
  }
  .hero-note .script { color: var(--teal-deep); font-size: 22px; display: inline; line-height: 1.1; vertical-align: baseline; margin-right: 4px; }

  /* ── ticker ─────────────────────────────── */
  .ticker {
    border-block: 1px solid var(--line);
    background: var(--cream-2);
    padding: 22px 0;
    overflow: hidden;
    white-space: nowrap;
    position: relative;
  }
  .ticker-eyebrow {
    text-align: center;
    margin-bottom: 14px;
  }
  .ticker-eyebrow .eyebrow { color: var(--ink-3); }
  .ticker-track { display: inline-flex; gap: 56px; animation: tick 45s linear infinite; padding-left: 56px; }
  .ticker-item { font-family: "Instrument Serif", serif; font-size: 24px; color: var(--ink); display: inline-flex; gap: 14px; align-items: center; }
  .ticker-item .b { color: var(--ink); letter-spacing: -0.01em; }
  .ticker-item .paw { color: var(--gold-deep); font-size: 10px; }
  @keyframes tick { from { transform: translateX(0); } to { transform: translateX(-50%); } }

  /* ── about ─────────────────────────────── */
  .about-grid {
    display: grid;
    grid-template-columns: 1fr 1.1fr;
    gap: 80px;
    align-items: start;
  }
  .headshot {
    aspect-ratio: 4/5;
    background: linear-gradient(160deg, var(--gold-soft), var(--teal-soft));
    border-radius: 6px;
    border: 1px solid var(--line);
    position: relative;
    overflow: hidden;
  }
  .headshot img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
  }
  .headshot .ph-label {
    font-family: ui-monospace, monospace;
    font-size: 11px;
    color: var(--ink-2);
    background: var(--white);
    padding: 6px 10px;
    border-radius: 4px;
    border: 1px solid var(--line);
    position: absolute;
    bottom: 22px;
    left: 22px;
  }
  .headshot .corner {
    position: absolute;
    top: 22px; right: 22px;
    font-family: "Caveat", cursive;
    color: var(--teal-deep);
    font-size: 26px;
    transform: rotate(-8deg);
  }
  .about-copy h2 { margin-bottom: 24px; }
  .about-copy p { font-size: 17px; line-height: 1.7; color: var(--ink-2); margin: 0 0 18px; max-width: 540px; }
  .about-copy .pull { font-family: "Instrument Serif", serif; font-size: 26px; line-height: 1.3; color: var(--ink); margin: 36px 0; padding-left: 24px; border-left: 2px solid var(--gold); }
  .about-creds { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 40px; }
  .cred { padding: 18px; border: 1px solid var(--line); border-radius: 10px; background: var(--white); }
  .cred .n { font-family: "Instrument Serif", serif; font-size: 30px; color: var(--teal-deep); line-height: 1; }
  .cred .l { font-size: 12px; color: var(--ink-3); margin-top: 8px; }

  /* ── services ─────────────────────────────── */
  .services { background: var(--cream-2); }
  .svc-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 16px;
  }
  .svc {
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 28px;
    transition: transform .25s, box-shadow .25s, border-color .25s;
    cursor: pointer;
    position: relative;
    overflow: hidden;
  }
  .svc:hover {
    transform: translateY(-4px);
    box-shadow: 0 20px 40px -20px rgba(60, 50, 30, 0.2);
    border-color: var(--teal);
  }
  .svc .num {
    font-family: "Instrument Serif", serif;
    font-style: italic;
    font-size: 16px;
    color: var(--gold-deep);
  }
  .svc h3 { font-family: "Instrument Serif", serif; font-size: 26px; line-height: 1.1; margin: 18px 0 12px; }
  .svc p { font-size: 14px; color: var(--ink-2); margin: 0 0 20px; line-height: 1.55; }
  .svc .arrow { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; font-weight: 600; color: var(--teal-deep); white-space: nowrap; }
  .svc:hover .arrow span { transform: translateX(3px); }
  .svc .arrow span { transition: transform .2s; display: inline-block; }

  /* ── process ─────────────────────────────── */
  .process-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; margin-top: 56px; }
  .step {
    padding: 32px 28px 32px 0;
    border-top: 1px solid var(--ink);
    position: relative;
  }
  .step .num {
    font-family: "Instrument Serif", serif;
    font-size: 64px;
    line-height: 1;
    color: var(--ink);
  }
  .step .num sup { font-size: 18px; color: var(--gold-deep); vertical-align: super; margin-left: 2px; font-style: italic; }
  .step h4 { font-family: "Instrument Serif", serif; font-size: 24px; line-height: 1.15; margin: 24px 0 12px; font-weight: 400; }
  .step p { font-size: 14px; color: var(--ink-2); margin: 0; }

  /* ── calculator ─────────────────────────────── */
  .calc { background: var(--ink); color: var(--cream); position: relative; overflow: hidden; }
  .calc::before {
    content: ""; position: absolute; inset: 0;
    background: radial-gradient(circle at 80% 20%, rgba(210, 165, 95, 0.12) 0%, transparent 50%),
                radial-gradient(circle at 10% 90%, rgba(58, 142, 135, 0.15) 0%, transparent 50%);
    pointer-events: none;
  }
  .calc .wrap { position: relative; z-index: 1; }
  .calc h2 { color: var(--cream); }
  .calc .eyebrow { color: var(--gold); }
  .calc-shell { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; margin-top: 48px; align-items: start; }
  .calc-form { display: flex; flex-direction: column; gap: 22px; }
  .field label { display: flex; justify-content: space-between; font-size: 12px; color: rgba(250, 245, 236, 0.6); margin-bottom: 8px; text-transform: uppercase; letter-spacing: 0.1em; font-weight: 600; }
  .field label .val { color: var(--gold); font-family: "Instrument Serif", serif; font-style: italic; font-size: 16px; text-transform: none; letter-spacing: 0; }
  .field input[type=range] {
    width: 100%; height: 4px; background: rgba(250, 245, 236, 0.15); appearance: none; border-radius: 999px; outline: none;
  }
  .field input[type=range]::-webkit-slider-thumb {
    appearance: none; width: 22px; height: 22px; background: var(--gold);
    border-radius: 50%; cursor: pointer; border: 3px solid var(--ink);
    box-shadow: 0 0 0 1px var(--gold);
  }
  .field input[type=range]::-moz-range-thumb {
    width: 22px; height: 22px; background: var(--gold); border-radius: 50%; cursor: pointer; border: 3px solid var(--ink);
  }
  .field input[type=number] {
    width: 100%;
    background: rgba(250, 245, 236, 0.06);
    border: 1px solid rgba(250, 245, 236, 0.18);
    border-radius: 10px;
    padding: 12px 14px;
    color: var(--cream);
    font-family: inherit;
    font-size: 18px;
    outline: none;
  }
  .field input[type=number]:focus { border-color: var(--gold); }

  .quick-row {
    display: flex; align-items: center; gap: 8px;
    background: rgba(250, 245, 236, 0.06);
    border: 1px solid rgba(250, 245, 236, 0.18);
    border-radius: 10px;
    padding: 0 14px;
    margin-bottom: 10px;
    transition: border-color .15s;
  }
  .quick-row:focus-within { border-color: var(--gold); }
  .quick-row .cur {
    color: rgba(250, 245, 236, 0.45);
    font-family: "Instrument Serif", serif;
    font-size: 22px;
  }
  .quick-row .quick {
    flex: 1; min-width: 0;
    background: transparent;
    border: 0;
    padding: 12px 0;
    color: var(--cream);
    font-family: "Instrument Serif", serif;
    font-size: 22px;
    outline: none;
    letter-spacing: -0.01em;
  }
  .quick-row .chips { display: flex; gap: 4px; }
  .quick-row .chip {
    background: rgba(250, 245, 236, 0.08);
    border: 1px solid rgba(250, 245, 236, 0.15);
    color: rgba(250, 245, 236, 0.75);
    border-radius: 6px;
    padding: 5px 9px;
    font-size: 11px;
    font-family: inherit;
    cursor: pointer;
    font-weight: 600;
    transition: all .15s;
  }
  .quick-row .chip:hover { background: var(--gold); color: var(--ink); border-color: var(--gold); }

  .rate-select { position: relative; }
  .rate-select select {
    width: 100%;
    background: rgba(250, 245, 236, 0.06);
    border: 1px solid rgba(250, 245, 236, 0.18);
    border-radius: 10px;
    padding: 14px 36px 14px 14px;
    color: var(--cream);
    font-family: "Instrument Serif", serif;
    font-size: 20px;
    outline: none;
    appearance: none;
    -webkit-appearance: none;
    cursor: pointer;
    transition: border-color .15s;
  }
  .rate-select select:focus { border-color: var(--gold); }
  .rate-select select option { background: var(--ink); color: var(--cream); font-family: "Manrope", sans-serif; font-size: 14px; }
  .rate-select .chev {
    position: absolute; right: 14px; top: 50%;
    transform: translateY(-50%);
    color: var(--gold);
    pointer-events: none;
    font-size: 14px;
  }
  .seg { display: flex; gap: 0; border: 1px solid rgba(250, 245, 236, 0.18); border-radius: 10px; overflow: hidden; }
  .seg button {
    flex: 1; background: transparent; color: rgba(250, 245, 236, 0.7);
    border: 0; padding: 11px 8px; font-size: 13px; font-family: inherit; cursor: pointer;
    transition: all .15s;
    border-right: 1px solid rgba(250, 245, 236, 0.12);
  }
  .seg button:last-child { border-right: 0; }
  .seg button.on { background: var(--gold); color: var(--ink); font-weight: 600; }

  .calc-out {
    border: 1px solid rgba(250, 245, 236, 0.15);
    border-radius: 16px;
    padding: 36px;
    background: rgba(250, 245, 236, 0.04);
  }
  .calc-out .label { font-size: 12px; color: rgba(250, 245, 236, 0.55); text-transform: uppercase; letter-spacing: 0.12em; font-weight: 600; }
  .calc-out .big {
    font-family: "Instrument Serif", serif;
    font-size: 88px;
    line-height: 1;
    margin: 12px 0 6px;
    color: var(--cream);
    letter-spacing: -0.03em;
  }
  .calc-out .big .cents { font-size: 36px; color: var(--gold); vertical-align: top; margin-left: 4px; }
  .calc-out .big .per { font-size: 16px; color: rgba(250, 245, 236, 0.55); font-style: italic; }
  .calc-out hr { border: 0; border-top: 1px solid rgba(250, 245, 236, 0.12); margin: 28px 0; }
  .calc-row { display: flex; justify-content: space-between; padding: 10px 0; font-size: 14px; }
  .calc-row .k { color: rgba(250, 245, 236, 0.6); }
  .calc-row .v { color: var(--cream); font-family: "Instrument Serif", serif; font-size: 18px; }
  .calc-disc { font-size: 11px; color: rgba(250, 245, 236, 0.4); margin-top: 20px; }

  /* ── testimonials ─────────────────────────────── */
  .testi-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; align-items: stretch; }
  .testi {
    position: relative;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 14px;
    padding: 28px 28px 84px;
  }
  .testi .stars {
    color: var(--gold-deep);
    letter-spacing: 2px;
    font-size: 14px;
    margin-bottom: 16px;
    display: flex; align-items: center; justify-content: space-between;
  }
  .testi .stars .src {
    font-family: "Manrope", sans-serif;
    font-size: 10px;
    color: var(--ink-3);
    text-transform: uppercase;
    font-weight: 600;
    letter-spacing: 0.12em;
  }
  .testi blockquote {
    font-family: "Instrument Serif", serif;
    font-size: 20px;
    line-height: 1.35;
    margin: 0 0 20px;
    color: var(--ink);
  }
  .testi .who { position: absolute; left: 28px; right: 28px; bottom: 28px; display: flex; align-items: center; gap: 12px; }
  .testi .av {
    flex: 0 0 38px;
    width: 38px; height: 38px; border-radius: 50%;
    background: linear-gradient(135deg, var(--teal-soft), var(--gold-soft));
    display: flex; align-items: center; justify-content: center;
    font-family: "Instrument Serif", serif;
    color: var(--teal-deep);
    font-size: 18px;
  }
  .testi .who > div:last-child { min-width: 0; flex: 1 1 auto; }
  .testi .who .n { font-weight: 600; font-size: 14px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
  .testi .who .role { font-size: 12px; color: var(--ink-3); }

  /* ── faq ─────────────────────────────── */
  .faq { background: var(--cream-2); }
  .faq-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 80px; align-items: start; }
  .faq-list { display: flex; flex-direction: column; }
  details {
    border-top: 1px solid var(--line);
    padding: 22px 0;
  }
  details:last-of-type { border-bottom: 1px solid var(--line); }
  details summary {
    display: flex; justify-content: space-between; align-items: center;
    font-family: "Instrument Serif", serif;
    font-size: 22px;
    cursor: pointer;
    list-style: none;
    color: var(--ink);
  }
  details summary::-webkit-details-marker { display: none; }
  details summary::after {
    content: "+";
    font-size: 24px; color: var(--gold-deep); font-family: "Manrope";
    transition: transform .25s;
  }
  details[open] summary::after { transform: rotate(45deg); }
  details p { color: var(--ink-2); font-size: 15px; margin: 14px 0 0; max-width: 600px; line-height: 1.6; }

  .faq-db-link {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    margin-top: 24px;
    padding: 12px 18px;
    border: 1px solid var(--teal-deep);
    border-radius: 999px;
    color: var(--teal-deep);
    font-family: "Manrope";
    font-size: 13px;
    font-weight: 600;
    letter-spacing: 0.02em;
    text-decoration: none;
    transition: background .18s, color .18s;
  }
  .faq-db-link:hover { background: var(--teal-deep); color: var(--cream); }
  .faq-db-link svg { transition: transform .18s; }
  .faq-db-link:hover svg { transform: translateX(3px); }

  .faq-list-more {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    margin-top: 22px;
    padding: 18px 0 6px;
    border-top: 1px dashed var(--line);
    color: var(--gold-deep);
    font-family: "Instrument Serif", serif;
    font-style: italic;
    font-size: 22px;
    text-decoration: none;
    align-self: flex-start;
    white-space: nowrap;
  }
  .faq-list-more:hover { color: var(--teal-deep); }
  .faq-list-more svg { transition: transform .18s; }
  .faq-list-more:hover svg { transform: translateX(4px); }

  /* ── contact ─────────────────────────────── */
  .contact { background: var(--teal-soft); position: relative; overflow: hidden; }
  .contact::before {
    content: ""; position: absolute; inset: 0;
    background:
      radial-gradient(circle at 90% 10%, rgba(210,165,95,0.25) 0%, transparent 40%);
    pointer-events: none;
  }
  .contact .wrap { position: relative; z-index: 1; }
  .contact-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 60px; align-items: center; }
  .contact h2 { color: var(--ink); margin-bottom: 24px; }
  .contact .lede { font-size: 18px; color: var(--ink-2); margin: 0 0 36px; max-width: 460px; }
  .contact-methods { display: flex; flex-direction: column; gap: 16px; }
  .contact-map {
    margin-top: 20px;
    border: 1px solid var(--line);
    border-radius: 14px;
    overflow: hidden;
    background: var(--white);
  }
  .contact-map iframe { width: 100%; height: 200px; border: 0; display: block; filter: grayscale(0.15); }
  .contact-map-cap {
    display: block;
    padding: 11px 16px;
    font-size: 13px; font-weight: 500;
    color: var(--ink-2);
    border-top: 1px solid var(--line);
    transition: color .15s, background .15s;
  }
  .contact-map-cap:hover { color: var(--teal-deep); background: var(--cream); }
  .cm {
    display: flex; align-items: center; gap: 18px;
    padding: 18px 22px;
    background: var(--white);
    border-radius: 14px;
    border: 1px solid var(--line);
    transition: transform .2s, box-shadow .2s;
  }
  .cm:hover { transform: translateY(-2px); box-shadow: 0 10px 30px -15px rgba(0,0,0,.2); }
  .cm-icon {
    flex: 0 0 44px;
    width: 44px; height: 44px; border-radius: 50%;
    background: var(--teal); color: var(--white);
    display: flex; align-items: center; justify-content: center;
    font-size: 18px;
  }
  .cm > div:last-child { min-width: 0; flex: 1 1 auto; }
  .cm .l { font-size: 11px; color: var(--ink-3); text-transform: uppercase; letter-spacing: 0.1em; font-weight: 600; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }
  .cm .v { font-family: "Instrument Serif", serif; font-size: 22px; color: var(--ink); line-height: 1; margin-top: 4px; white-space: nowrap; overflow: hidden; text-overflow: ellipsis; }

  .form-card {
    background: var(--white);
    border-radius: 18px;
    padding: 36px;
    border: 1px solid var(--line);
    box-shadow: 0 30px 60px -30px rgba(0,0,0,0.15);
  }
  .form-card h3 { margin-bottom: 6px; font-family: "Instrument Serif", serif; font-size: 28px; }
  .form-card .sub { color: var(--ink-3); font-size: 14px; margin-bottom: 24px; }
  .form-card .row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 12px; }
  .form-card input, .form-card select, .form-card textarea {
    width: 100%;
    padding: 12px 14px;
    background: var(--cream);
    border: 1px solid var(--line);
    border-radius: 10px;
    font-family: inherit; font-size: 14px;
    outline: none;
    transition: border-color .15s, background .15s;
  }
  .form-card input:focus, .form-card select:focus, .form-card textarea:focus { border-color: var(--teal); background: var(--white); }
  .form-card textarea { resize: vertical; min-height: 90px; margin-bottom: 16px; }
  .form-card .btn { width: 100%; justify-content: center; padding: 14px; font-size: 15px; }

  /* ── footer ─────────────────────────────── */
  footer { background: var(--ink); color: rgba(250, 245, 236, 0.6); padding: 80px 0 36px; }
  .foot-grid { display: grid; grid-template-columns: 1.3fr 0.9fr 1fr 1.4fr; gap: 48px; margin-bottom: 56px; }
  .foot-col h5 { color: var(--cream); font-family: "Manrope"; font-size: 12px; letter-spacing: 0.14em; text-transform: uppercase; font-weight: 700; margin: 0 0 18px; }
  .foot-col a, .foot-col p { display: block; font-size: 14px; color: rgba(250, 245, 236, 0.6); margin: 0 0 10px; }
  .foot-col a:hover { color: var(--gold); }
  .foot-brand { display: flex; align-items: center; gap: 12px; margin-bottom: 18px; }
  .foot-brand img { height: 40px; filter: brightness(1.05); }
  .foot-brand .bn { font-family: "Instrument Serif", serif; font-size: 26px; color: var(--cream); }
  .foot-blurb { font-size: 14px; line-height: 1.6; color: rgba(250, 245, 236, 0.55); max-width: 320px; }

  .invis-box {
    border: 1px solid rgba(250, 245, 236, 0.18);
    border-radius: 12px;
    padding: 18px;
    background: rgba(250, 245, 236, 0.03);
    display: flex;
    flex-direction: column;
    gap: 14px;
  }
  .invis-box .invis-plate {
    display: flex;
    align-items: center;
    justify-content: center;
    background: var(--cream);
    border-radius: 10px;
    padding: 12px 14px;
    margin: 0;
    box-shadow: 0 1px 0 rgba(255,255,255,0.04), 0 8px 24px rgba(0,0,0,0.25);
  }
  .invis-plate-img { height: 44px; width: auto; display: block; }
  .invis-meta {
    margin: 0;
    padding: 0;
    display: block;
  }
  .invis-meta dt {
    font-family: "Manrope";
    font-size: 10px;
    letter-spacing: 0.18em;
    text-transform: uppercase;
    font-weight: 700;
    color: var(--gold);
    margin: 0;
  }
  .invis-meta dd {
    margin: 0;
    font-size: 13px;
    line-height: 1.55;
    color: rgba(250, 245, 236, 0.78);
  }
  /* legacy class kept in case other pages still use it */
  .invis-box .invis-mark {
    display: inline-flex;
    align-items: center;
    background: var(--cream);
    border-radius: 8px;
    padding: 10px 14px;
    margin-bottom: 16px;
  }
  .invis-mark img { height: 44px; width: auto; display: block; }
  .invis-mark .iv-logo {
    font-family: "Instrument Serif", serif;
    font-style: italic;
    font-size: 28px;
    color: var(--cream);
    letter-spacing: -0.02em;
    line-height: 1;
  }
  .invis-mark .iv-tag {
    font-size: 9px;
    color: var(--gold);
    letter-spacing: 0.18em;
    text-transform: uppercase;
    font-weight: 700;
  }
  .invis-box .invis-sub { font-size: 13px; color: rgba(250, 245, 236, 0.55); line-height: 1.55; margin: 0; grid-column: 1 / -1; }
  .invis-box .invis-sub strong { color: var(--cream); font-weight: 600; }

  .foot-bot {
    border-top: 1px solid rgba(250, 245, 236, 0.12);
    padding-top: 28px;
    display: flex; justify-content: space-between; align-items: center;
    font-size: 12px; color: rgba(250, 245, 236, 0.4);
    flex-wrap: wrap; gap: 12px;
  }
  .foot-bot .legal { display: flex; gap: 24px; }

  /* ── paw divider ───────────── */
  .pawline { display: flex; align-items: center; gap: 16px; color: var(--gold-deep); margin: 14px 0 0; font-family: "Instrument Serif", serif; font-style: italic; }
  .pawline svg { flex-shrink: 0; }
  .pawline .ln { flex: 1; height: 1px; background: var(--line); }

  @media (max-width: 1024px) {
    .hero-grid, .about-grid, .calc-shell, .contact-grid, .faq-grid { grid-template-columns: 1fr; gap: 48px; }
    .svc-grid, .testi-grid { grid-template-columns: 1fr 1fr; }
    .process-grid { grid-template-columns: 1fr 1fr; }
    .foot-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
    .nav-links { display: none; }
    .nav-burger { display: inline-flex; }
    .nav-contact-btn { display: none; }
    section { padding: 64px 0; }
    .wrap, .nav-inner { padding-left: 24px; padding-right: 24px; }
  }
  @media (max-width: 640px) {
    .svc-grid, .testi-grid, .process-grid, .foot-grid { grid-template-columns: 1fr; }
    .form-card .row { grid-template-columns: 1fr; }
    .hero-meta { flex-wrap: wrap; gap: 24px; }
  }

/* ── calculators hub + affordability ─────────────────────────────────── */
.calc-hub-hero { padding: 64px 0 32px; }
.calc-hub-head {
  display: grid;
  grid-template-columns: 1fr 0.9fr;
  gap: 48px;
  align-items: end;
  margin-top: 24px;
}
.calc-hub-head h1 {
  font-family: "Instrument Serif", serif;
  font-size: clamp(44px, 5.6vw, 76px);
  line-height: 1.02;
  letter-spacing: -0.02em;
  color: var(--ink);
  margin: 8px 0 0;
}
.calc-hub-head h1 .accent { color: var(--teal-deep); font-style: italic; }
.calc-hub-head .lede {
  font-size: 17px;
  line-height: 1.55;
  color: var(--ink-2);
  margin: 0 0 6px;
}

.depth-toggle {
  display: inline-flex;
  gap: 0;
  margin-top: 40px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--white);
  padding: 6px;
  box-shadow: 0 2px 12px -6px rgba(0,0,0,0.08);
}
.depth-tab {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 22px;
  background: transparent;
  border: 0;
  border-radius: 10px;
  cursor: pointer;
  font-family: inherit;
  color: var(--ink-2);
  transition: background .18s, color .18s;
  text-align: left;
}
.depth-tab .depth-tab-num {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 22px;
  color: var(--ink-3);
}
.depth-tab .depth-tab-label {
  font-family: "Instrument Serif", serif;
  font-size: 22px;
  color: var(--ink);
  display: block;
}
.depth-tab .depth-tab-sub {
  font-family: "Manrope";
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-3);
  display: block;
}
.depth-tab > .depth-tab-text { display: flex; flex-direction: column; }
.depth-tab.on { background: var(--ink); color: var(--cream); }
.depth-tab.on .depth-tab-num { color: var(--gold); }
.depth-tab.on .depth-tab-label { color: var(--cream); }
.depth-tab.on .depth-tab-sub { color: var(--gold); }

.calc-hub-grid-wrap { background: var(--cream); padding: 64px 0 96px; }
.calc-hub-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.calc-card {
  display: flex;
  flex-direction: column;
  gap: 14px;
  padding: 28px 28px 24px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 16px;
  text-decoration: none;
  color: inherit;
  transition: transform .2s, box-shadow .2s, border-color .2s;
  position: relative;
  overflow: hidden;
}
.calc-card::before {
  content: "";
  position: absolute;
  inset: 0 0 auto 0;
  height: 3px;
  background: var(--teal-deep);
}
.calc-card--gold::before { background: var(--gold-deep); }
.calc-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 14px 32px -12px rgba(0,0,0,0.15);
  border-color: var(--ink-3);
}
.calc-card--coming {
  cursor: not-allowed;
  opacity: 0.78;
  background: var(--cream-2);
}
.calc-card--coming:hover {
  transform: none;
  box-shadow: none;
  border-color: var(--line);
}
.calc-card-head { display: flex; align-items: center; gap: 12px; }
.calc-card-num {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 22px;
  color: var(--gold-deep);
}
.calc-card-eyebrow {
  font-family: "Manrope";
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 700;
}
.calc-card-badge {
  margin-left: auto;
  font-family: "Manrope";
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
  padding: 3px 8px;
  border-radius: 999px;
  background: rgba(0,0,0,0.06);
  color: var(--ink-3);
}
.calc-card-title {
  font-family: "Instrument Serif", serif;
  font-size: 28px;
  line-height: 1.1;
  color: var(--ink);
  margin: 0;
}
.calc-card-blurb {
  font-size: 14px;
  line-height: 1.55;
  color: var(--ink-2);
  margin: 0;
  flex: 1;
}
.calc-card-foot {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  font-family: "Manrope";
  font-size: 13px;
  font-weight: 600;
  color: var(--teal-deep);
  margin-top: 4px;
}
.calc-card--gold .calc-card-foot { color: var(--gold-deep); }
.calc-card-foot svg { transition: transform .18s; }
.calc-card:hover .calc-card-foot svg { transform: translateX(3px); }

.calc-hub-foot {
  margin-top: 64px;
  padding: 36px 40px;
  background: var(--ink);
  color: var(--cream);
  border-radius: 18px;
  display: grid;
  grid-template-columns: 1.4fr 1fr;
  gap: 36px;
  align-items: center;
}
.calc-hub-foot-copy .eyebrow { color: var(--gold); }
.calc-hub-foot-copy p { font-size: 15px; line-height: 1.6; color: rgba(250,245,236,0.78); margin: 12px 0 0; }
.calc-hub-foot-cta { display: flex; flex-direction: column; gap: 10px; align-items: stretch; }
.calc-hub-foot-cta .btn { justify-content: center; }
/* On the dark hub footer, the ghost button needs cream text + a translucent border */
.calc-hub-foot-cta .btn.ghost {
  color: var(--cream);
  border-color: rgba(250, 245, 236, 0.35);
}
.calc-hub-foot-cta .btn.ghost:hover {
  background: rgba(250, 245, 236, 0.08);
  border-color: var(--cream);
}

/* ── affordability calc internals (smart mode) ─────────────────────────── */
.calc-out--aff { position: relative; }
.calc-out--aff .big--aff { font-size: 72px; line-height: 1; }
.aff-monthly-chip {
  position: absolute;
  top: 24px;
  right: 24px;
  display: flex;
  flex-direction: column;
  align-items: flex-end;
  gap: 4px;
  padding: 10px 14px;
  background: rgba(232,195,90,0.10);
  border: 1px solid rgba(232,195,90,0.45);
  border-radius: 999px;
  text-align: right;
}
.aff-monthly-chip-label {
  font-family: "Manrope";
  font-size: 9px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--gold);
  line-height: 1;
}
.aff-monthly-chip-value {
  font-family: "Instrument Serif", serif;
  font-size: 22px;
  color: var(--cream);
  line-height: 1;
}
.aff-monthly-chip-value .per {
  font-size: 12px;
  color: rgba(250,245,236,0.55);
  font-style: italic;
  margin-left: 2px;
}
@media (max-width: 900px) {
  .aff-monthly-chip {
    position: static;
    align-self: flex-end;
    margin-bottom: 14px;
    align-items: center;
    flex-direction: row;
    gap: 10px;
  }
  .aff-monthly-chip-value { font-size: 18px; }
}
.field-note { margin-top: 10px; font-size: 12px; color: rgba(250,245,236,0.55); }
.field-note strong { color: var(--gold); font-family: "Instrument Serif", serif; font-style: italic; font-weight: 400; }
.advanced-panel summary,
.math-panel summary {
  cursor: pointer;
  font-family: "Manrope";
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  font-weight: 700;
  color: rgba(250,245,236,0.7);
  padding: 12px 0;
  list-style: none;
  border-top: 1px solid rgba(250,245,236,0.12);
}
.advanced-panel summary::-webkit-details-marker,
.math-panel summary::-webkit-details-marker { display: none; }
.advanced-panel summary::after,
.math-panel summary::after {
  content: "+";
  float: right;
  color: var(--gold);
  font-family: "Manrope";
  font-size: 18px;
  line-height: 1;
}
.advanced-panel[open] summary::after,
.math-panel[open] summary::after { content: "−"; }
.advanced-inner { display: flex; flex-direction: column; gap: 18px; padding-top: 12px; }

.ratio-bar { margin: 20px 0 0; }
.ratio-bar-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 8px; }
.ratio-bar-label { font-family: "Manrope"; font-size: 11px; letter-spacing: 0.14em; text-transform: uppercase; font-weight: 700; color: rgba(250,245,236,0.7); }
.ratio-bar-val { font-family: "Instrument Serif", serif; font-size: 22px; color: var(--cream); }
.ratio-bar-val.over { color: #e57b6b; }
.ratio-bar-cap { font-size: 12px; color: rgba(250,245,236,0.45); font-style: italic; margin-left: 4px; }
.ratio-bar-track {
  position: relative;
  height: 10px;
  background: rgba(250,245,236,0.08);
  border-radius: 999px;
  overflow: visible;
}
.ratio-bar-fill {
  position: absolute;
  inset: 0 auto 0 0;
  background: linear-gradient(90deg, var(--gold-deep), var(--gold));
  border-radius: 999px;
  transition: width .25s ease;
}
.ratio-bar-fill.over { background: linear-gradient(90deg, #c1574a, #e57b6b); }
.ratio-bar-marker {
  position: absolute;
  top: -4px; bottom: -4px;
  width: 2px;
  background: var(--cream);
  opacity: 0.4;
  transform: translateX(-1px);
}
.ratio-bar-sub { margin-top: 6px; font-size: 12px; color: rgba(250,245,236,0.5); }

.cost-breakdown { margin: 28px 0 0; }
.cost-breakdown-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; }
.cost-bar {
  display: flex;
  height: 14px;
  border-radius: 999px;
  overflow: hidden;
  background: rgba(250,245,236,0.06);
}
.cost-bar-seg { transition: width .25s ease; }
.cost-legend {
  margin-top: 14px;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px 18px;
}
.cost-legend-row { display: flex; align-items: center; gap: 8px; font-size: 13px; }
.cost-legend-row .dot { display: inline-block; width: 8px; height: 8px; border-radius: 999px; }
.cost-legend-row .k { color: rgba(250,245,236,0.7); flex: 1; }
.cost-legend-row .v { color: var(--cream); font-family: "Instrument Serif", serif; font-size: 16px; }

.rate-sens { margin: 28px 0 0; }
.rate-sens-head { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 10px; }
.rate-sens-rows { display: flex; flex-direction: column; gap: 6px; }
.rate-sens-row {
  display: grid;
  grid-template-columns: 56px 1fr 100px;
  gap: 12px;
  align-items: center;
  font-size: 12px;
  color: rgba(250,245,236,0.55);
}
.rate-sens-row.is-now { color: var(--cream); font-weight: 600; }
.rate-sens-rate { font-family: "Instrument Serif", serif; font-size: 15px; font-style: italic; }
.rate-sens-track { height: 6px; background: rgba(250,245,236,0.06); border-radius: 999px; overflow: hidden; }
.rate-sens-bar { height: 100%; background: rgba(250,245,236,0.35); border-radius: 999px; transition: width .25s; }
.rate-sens-row.is-now .rate-sens-bar { background: linear-gradient(90deg, var(--gold-deep), var(--gold)); }
.rate-sens-val { text-align: right; font-family: "Instrument Serif", serif; font-size: 14px; }
.rate-sens-disc { margin: 12px 0 0; font-size: 11px; color: rgba(250,245,236,0.4); line-height: 1.5; }

.math-panel { margin-top: 24px; }
.math-inner { padding-top: 8px; }
.math-row { display: flex; justify-content: space-between; padding: 6px 0; gap: 12px; font-size: 13px; }
.math-row .math-k { color: rgba(250,245,236,0.7); }
.math-row .math-v { font-family: "Instrument Serif", serif; color: var(--cream); white-space: nowrap; }
.math-inner hr { border: 0; border-top: 1px dashed rgba(250,245,236,0.15); margin: 10px 0; }
.math-cap-note { margin: 10px 0 0; font-size: 11px; color: var(--gold); font-style: italic; }

.calc-out-actions { margin: 28px 0 16px; display: flex; gap: 10px; flex-wrap: wrap; }
.calc-out-actions .btn { justify-content: center; flex: 1; min-width: 180px; }
/* The results panel is dark — keep the ghost "Apply" button legible (cream text + translucent border) */
.calc-out .btn.ghost {
  color: var(--cream);
  border-color: rgba(250, 245, 236, 0.4);
}
.calc-out .btn.ghost:hover {
  background: rgba(250, 245, 236, 0.1);
  border-color: var(--cream);
  color: var(--cream);
}

/* Gold "Apply" button that matches the topbar Apply Now (yellowish, ink text) */
.btn.btn--apply {
  background: var(--gold); color: var(--ink); border-color: var(--gold);
  box-shadow: 0 1px 0 rgba(255, 255, 255, 0.25) inset, 0 6px 18px -8px rgba(180, 133, 67, 0.6);
}
.btn.btn--apply:hover { background: var(--gold-deep); border-color: var(--gold-deep); color: #fff; }

/* refinance calc — form-group dividers + verdict pill */
.form-group-head {
  font-family: "Manrope";
  font-size: 10px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  font-weight: 700;
  color: var(--gold);
  margin-top: 10px;
  padding-top: 10px;
  border-top: 1px solid rgba(250,245,236,0.12);
}
.form-group-head:first-of-type { border-top: 0; padding-top: 0; margin-top: 0; }

.big--aff.big--neg { color: #e57b6b; }

.refi-verdict {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-top: 18px;
  padding: 14px 16px;
  border-radius: 12px;
  background: rgba(250,245,236,0.05);
  border: 1px solid rgba(250,245,236,0.12);
}
.refi-verdict-dot {
  width: 10px; height: 10px;
  border-radius: 999px;
  flex-shrink: 0;
  margin-top: 6px;
}
.refi-verdict > div { display: flex; flex-direction: column; gap: 4px; }
.refi-verdict strong {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 18px;
  color: var(--cream);
  font-weight: 400;
}
.refi-verdict span:not(.refi-verdict-dot) {
  font-size: 13px;
  line-height: 1.5;
  color: rgba(250,245,236,0.65);
}
.refi-verdict--good { border-color: rgba(95,176,140,0.45); background: rgba(95,176,140,0.10); }
.refi-verdict--good .refi-verdict-dot { background: #5fb08c; box-shadow: 0 0 0 3px rgba(95,176,140,0.25); }
.refi-verdict--ok { border-color: rgba(232,195,90,0.45); background: rgba(232,195,90,0.08); }
.refi-verdict--ok .refi-verdict-dot { background: var(--gold); box-shadow: 0 0 0 3px rgba(232,195,90,0.25); }
.refi-verdict--warn { border-color: rgba(232,160,90,0.45); background: rgba(232,160,90,0.08); }
.refi-verdict--warn .refi-verdict-dot { background: #e8a05a; box-shadow: 0 0 0 3px rgba(232,160,90,0.25); }
.refi-verdict--bad { border-color: rgba(229,123,107,0.45); background: rgba(229,123,107,0.08); }
.refi-verdict--bad .refi-verdict-dot { background: #e57b6b; box-shadow: 0 0 0 3px rgba(229,123,107,0.25); }

/* itemized debt list */
.debt-list .debt-rows { display: flex; flex-direction: column; gap: 8px; margin-bottom: 10px; }
.debt-row {
  display: grid;
  grid-template-columns: 1fr 150px 28px;
  gap: 8px;
  align-items: stretch;
}
.debt-row .debt-label {
  background: rgba(250,245,236,0.04);
  border: 1px solid rgba(250,245,236,0.14);
  border-radius: 8px;
  padding: 10px 12px;
  color: var(--cream);
  font-family: inherit;
  font-size: 13px;
  transition: border-color .15s, background .15s;
}
.debt-row .debt-label::placeholder { color: rgba(250,245,236,0.35); }
.debt-row .debt-label:focus {
  outline: none;
  border-color: var(--gold);
  background: rgba(250,245,236,0.07);
}
.debt-row .debt-amount {
  display: flex;
  align-items: center;
  gap: 4px;
  background: rgba(250,245,236,0.04);
  border: 1px solid rgba(250,245,236,0.14);
  border-radius: 8px;
  padding: 0 12px;
  transition: border-color .15s, background .15s;
}
.debt-row .debt-amount:focus-within {
  border-color: var(--gold);
  background: rgba(250,245,236,0.07);
}
.debt-row .debt-amount .cur { color: rgba(250,245,236,0.55); font-size: 13px; }
.debt-row .debt-amount .per { color: rgba(250,245,236,0.45); font-size: 11px; }
.debt-row .debt-amount input {
  flex: 1;
  background: transparent;
  border: 0;
  color: var(--cream);
  font-family: "Instrument Serif", serif;
  font-size: 16px;
  text-align: right;
  outline: none;
  width: 100%;
  min-width: 0;
}
.debt-row .debt-remove {
  background: transparent;
  border: 1px solid rgba(250,245,236,0.14);
  border-radius: 8px;
  color: rgba(250,245,236,0.5);
  font-size: 18px;
  cursor: pointer;
  transition: color .15s, border-color .15s, background .15s;
}
.debt-row .debt-remove:hover {
  color: #e57b6b;
  border-color: rgba(229,123,107,0.5);
  background: rgba(229,123,107,0.08);
}
.debt-add {
  background: transparent;
  border: 1px dashed rgba(250,245,236,0.22);
  border-radius: 8px;
  padding: 10px;
  color: var(--gold);
  font-family: "Manrope";
  font-size: 12px;
  letter-spacing: 0.08em;
  font-weight: 600;
  cursor: pointer;
  width: 100%;
  transition: border-color .15s, color .15s, background .15s;
}
.debt-add:hover {
  border-color: var(--gold);
  background: rgba(232,195,90,0.06);
}

/* comfort slider */
.calc-out--aff .comfort-field { margin-top: 24px; }
.comfort-field .val .comfort-cap {
  font-family: "Manrope";
  font-style: normal;
  font-size: 12px;
  letter-spacing: 0.06em;
  color: rgba(250,245,236,0.5);
  margin-left: 6px;
}
.comfort-track-wrap {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  gap: 12px;
  margin-bottom: 10px;
}
.comfort-end {
  font-family: "Manrope";
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-weight: 700;
  color: rgba(250,245,236,0.55);
}
.comfort-end--safer { color: var(--teal-deep); }
.comfort-end--riskier { color: var(--gold); }
.comfort-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: linear-gradient(90deg, var(--teal-deep) 0%, rgba(250,245,236,0.16) 50%, var(--gold) 100%);
  border-radius: 999px;
  outline: none;
  margin: 0;
}
.comfort-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 22px; height: 22px;
  border-radius: 999px;
  background: var(--cream);
  border: 3px solid var(--ink);
  box-shadow: 0 0 0 2px var(--gold), 0 2px 6px rgba(0,0,0,0.25);
  cursor: pointer;
}
.comfort-range::-moz-range-thumb {
  width: 22px; height: 22px;
  border-radius: 999px;
  background: var(--cream);
  border: 3px solid var(--ink);
  box-shadow: 0 0 0 2px var(--gold), 0 2px 6px rgba(0,0,0,0.25);
  cursor: pointer;
}
.comfort-stops {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 6px;
  margin-top: 0;
}
.comfort-stop {
  background: transparent;
  border: 0;
  padding: 6px 4px;
  color: rgba(250,245,236,0.45);
  font-family: "Manrope";
  font-size: 10px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-weight: 600;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 4px;
  transition: color .15s;
}
.comfort-stop-dot {
  width: 6px; height: 6px;
  border-radius: 999px;
  background: rgba(250,245,236,0.25);
}
.comfort-stop.on { color: var(--cream); }
.comfort-stop.on .comfort-stop-dot { background: var(--gold); }
.comfort-stop:hover { color: rgba(250,245,236,0.85); }

/* Affordability — "Worth knowing" tip strip above the calculator */
.aff-highlights {
  padding: 56px 0 24px;
  background: var(--cream);
  border-top: 1px solid var(--line);
}
.aff-highlights-head {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 28px;
  align-items: baseline;
  margin-bottom: 32px;
  padding-bottom: 24px;
  border-bottom: 1px solid var(--line);
}
.aff-highlights-head .eyebrow {
  white-space: nowrap;
}
.aff-highlights-head p {
  margin: 0;
  color: var(--ink-2);
  font-size: 15px;
  line-height: 1.55;
  max-width: 640px;
  justify-self: end;
  text-align: right;
}
.aff-highlights-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.aff-highlight {
  position: relative;
  padding: 28px 26px 26px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  transition: border-color .2s, transform .2s, box-shadow .2s;
}
.aff-highlight:hover {
  border-color: var(--gold);
  transform: translateY(-2px);
  box-shadow: 0 14px 30px -16px rgba(60, 50, 30, 0.18);
}
.aff-highlight-num {
  position: absolute;
  top: 18px; right: 22px;
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 22px;
  color: var(--gold-deep);
  opacity: 0.7;
}
.aff-highlight-eyebrow {
  font-family: "Manrope", sans-serif;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--teal-deep);
}
.aff-highlight-title {
  font-family: "Instrument Serif", serif;
  font-weight: 400;
  font-size: 26px;
  line-height: 1.1;
  color: var(--ink);
  margin: 2px 0 0;
  letter-spacing: -0.01em;
}
.aff-highlight-body {
  margin: 4px 0 0;
  font-size: 14px;
  line-height: 1.55;
  color: var(--ink-2);
}
@media (max-width: 900px) {
  .aff-highlights-grid { grid-template-columns: 1fr; }
  .aff-highlights-head { grid-template-columns: 1fr; gap: 8px; }
  .aff-highlights-head p { text-align: left; justify-self: start; }
}

.aff-notes { padding: 80px 0; background: var(--cream); border-top: 1px solid var(--line); }
.aff-notes-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; }
.aff-notes-col h2 { font-size: clamp(32px, 3.8vw, 48px); line-height: 1.05; margin: 6px 0 16px; color: var(--ink); }
.aff-notes-col p { font-size: 16px; line-height: 1.65; color: var(--ink-2); margin: 0 0 14px; max-width: 520px; }

@media (max-width: 900px) {
  .calc-hub-head { grid-template-columns: 1fr; align-items: start; gap: 24px; }
  .calc-hub-grid { grid-template-columns: 1fr; }
  .calc-hub-foot { grid-template-columns: 1fr; padding: 28px; }
  .aff-notes-grid { grid-template-columns: 1fr; gap: 36px; }
  .depth-toggle { display: flex; width: 100%; }
  .depth-tab { flex: 1; padding: 12px 14px; gap: 10px; }
  .depth-tab .depth-tab-label { font-size: 18px; }
  .cost-legend { grid-template-columns: 1fr; }
}

/* ── service detail page ──────────────── */
.sub-hero {
  padding: 64px 0 48px;
  background: linear-gradient(180deg, var(--cream-2) 0%, var(--cream) 100%);
  border-bottom: 1px solid var(--line);
}
.sub-hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 64px;
  align-items: end;
}
.breadcrumb {
  font-size: 12px;
  color: var(--ink-3);
  margin-bottom: 24px;
  letter-spacing: 0.04em;
  display: flex;
  align-items: center;
  gap: 8px;
}
.breadcrumb a {
  color: var(--ink-2);
  border-bottom: 1px solid transparent;
  transition: color .15s, border-color .15s;
}
.breadcrumb a:hover { color: var(--teal-deep); border-color: var(--teal-deep); }
.breadcrumb .sep { color: var(--line); }
.sub-hero h1 {
  font-family: "Instrument Serif", serif;
  font-size: clamp(48px, 6.4vw, 88px);
  line-height: 0.95;
  letter-spacing: -0.022em;
  margin: 0 0 24px;
}
.sub-hero h1 .accent { color: var(--teal-deep); font-style: italic; }
.sub-hero .lede {
  font-size: 19px;
  line-height: 1.55;
  color: var(--ink-2);
  max-width: 540px;
  margin: 0;
}
.sub-hero-meta {
  display: flex;
  flex-direction: column;
  gap: 14px;
  padding: 20px 24px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  margin-bottom: 12px;
}
.sub-hero-meta .row {
  display: flex; gap: 12px; align-items: baseline;
}
.sub-hero-meta .k {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 700;
  min-width: 90px;
}
.sub-hero-meta .v {
  font-family: "Instrument Serif", serif;
  font-size: 18px;
  color: var(--ink);
  line-height: 1.2;
}

.sub-hero-cta { margin-top: 36px; display: flex; gap: 12px; flex-wrap: wrap; }

/* "What you'll get" checklist */
.checklist {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px 32px;
  margin-top: 36px;
}
.checklist .item {
  display: flex;
  gap: 16px;
  padding: 18px 0;
  border-top: 1px solid var(--line);
}
.checklist .item .num {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 18px;
  color: var(--gold-deep);
  min-width: 24px;
  padding-top: 2px;
}
.checklist .item h4 {
  margin: 0 0 6px;
  font-family: "Instrument Serif", serif;
  font-size: 22px;
  font-weight: 400;
  line-height: 1.2;
}
.checklist .item p {
  margin: 0;
  font-size: 14px;
  color: var(--ink-2);
  line-height: 1.55;
}

/* Programs grid (HBP, FHSA, etc.) */
.programs { background: var(--cream-2); }
.prog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
  margin-top: 40px;
}
.prog {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 28px;
}
.prog .tag {
  display: inline-block;
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--teal-deep);
  font-weight: 700;
  padding: 4px 10px;
  background: var(--teal-soft);
  border-radius: 999px;
  margin-bottom: 16px;
}
.prog h4 {
  font-family: "Instrument Serif", serif;
  font-size: 26px;
  line-height: 1.1;
  margin: 0 0 12px;
  font-weight: 400;
}
.prog .lim {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  color: var(--gold-deep);
  font-size: 17px;
  margin-bottom: 14px;
}
.prog p {
  font-size: 14px;
  color: var(--ink-2);
  margin: 0;
  line-height: 1.6;
}

/* Pull quote / step-by-step block */
.pull-block {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 64px;
  align-items: start;
}
.pull-block .pq {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 28px;
  line-height: 1.3;
  color: var(--ink);
  padding-left: 24px;
  border-left: 2px solid var(--gold);
}
.pull-block .pq-by {
  font-family: "Manrope", sans-serif;
  font-style: normal;
  font-size: 13px;
  color: var(--ink-3);
  letter-spacing: 0.08em;
  margin-top: 14px;
  font-weight: 600;
}
.pull-block .pb-body { font-size: 16px; color: var(--ink-2); line-height: 1.7; }
.pull-block .pb-body p { margin: 0 0 14px; }
.pull-block .pb-body p:last-child { margin: 0; }

/* Final CTA card on service pages */
.svc-cta {
  background: var(--teal-soft);
  position: relative;
  overflow: hidden;
}
.svc-cta::before {
  content: ""; position: absolute; inset: 0;
  background: radial-gradient(circle at 90% 10%, rgba(210,165,95,0.25) 0%, transparent 40%);
  pointer-events: none;
}
.svc-cta .wrap { position: relative; z-index: 1; }
.svc-cta-card {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr;
  gap: 56px;
  align-items: center;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 56px;
  box-shadow: 0 30px 60px -30px rgba(0,0,0,0.15);
}
.svc-cta-card h2 {
  font-family: "Instrument Serif", serif;
  font-size: clamp(36px, 4.4vw, 56px);
  line-height: 1;
  letter-spacing: -0.02em;
  margin: 0 0 16px;
}
.svc-cta-card h2 .accent { color: var(--teal-deep); font-style: italic; }
.svc-cta-card p { color: var(--ink-2); font-size: 17px; margin: 0; max-width: 480px; line-height: 1.55; }
.svc-cta-card .actions { display: flex; flex-direction: column; gap: 10px; }
.svc-cta-card .actions a { width: 100%; justify-content: center; padding: 14px 18px; font-size: 15px; }

/* Mini FAQ on service pages */
.svc-faq { background: var(--cream-2); }
.svc-faq-grid { display: grid; grid-template-columns: 1fr 1.4fr; gap: 80px; align-items: start; }

@media (max-width: 1024px) {
  .sub-hero-grid, .pull-block, .svc-cta-card, .svc-faq-grid { grid-template-columns: 1fr; gap: 32px; }
  .checklist, .prog-grid { grid-template-columns: 1fr 1fr; }
  .svc-cta-card { padding: 36px; }
}
@media (max-width: 640px) {
  .checklist, .prog-grid { grid-template-columns: 1fr; }
}


/* ── legal page layout ──────────────────── */
.legal-hero {
  padding: 64px 0 32px;
  background: linear-gradient(180deg, var(--cream-2) 0%, var(--cream) 100%);
  border-bottom: 1px solid var(--line);
}
.legal-hero h1 {
  font-family: "Instrument Serif", serif;
  font-size: clamp(40px, 5vw, 64px);
  line-height: 1;
  letter-spacing: -0.022em;
  margin: 0 0 16px;
}
.legal-hero h1 .accent { color: var(--teal-deep); font-style: italic; }
.legal-hero .updated {
  font-size: 13px;
  color: var(--ink-3);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  font-weight: 600;
  margin-top: 16px;
}
.legal-hero .lede {
  font-size: 17px;
  color: var(--ink-2);
  max-width: 640px;
  margin: 16px 0 0;
  line-height: 1.55;
}

.legal-body {
  padding: 64px 0 96px;
}
.legal-grid {
  display: grid;
  grid-template-columns: 240px 1fr;
  gap: 64px;
  align-items: start;
}
.legal-toc {
  position: sticky;
  top: 88px;
  padding-right: 16px;
  border-left: 2px solid var(--line);
  padding-left: 20px;
}
.legal-toc .toc-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 16px;
}
.legal-toc ol {
  list-style: none;
  padding: 0;
  margin: 0;
  counter-reset: toc;
  display: flex;
  flex-direction: column;
  gap: 10px;
}
.legal-toc ol li {
  counter-increment: toc;
}
.legal-toc ol li a {
  display: block;
  font-size: 14px;
  color: var(--ink-2);
  padding: 4px 0;
  transition: color .15s, padding .15s;
  line-height: 1.4;
}
.legal-toc ol li a::before {
  content: counter(toc, decimal-leading-zero) " ";
  font-family: "Instrument Serif", serif;
  font-style: italic;
  color: var(--gold-deep);
  margin-right: 6px;
  font-size: 13px;
}
.legal-toc ol li a:hover {
  color: var(--teal-deep);
  padding-left: 4px;
}

.legal-content {
  max-width: 720px;
  font-size: 16px;
  line-height: 1.75;
  color: var(--ink);
}
.legal-content h2 {
  font-family: "Instrument Serif", serif;
  font-size: 32px;
  line-height: 1.1;
  letter-spacing: -0.01em;
  margin: 48px 0 16px;
  scroll-margin-top: 88px;
  font-weight: 400;
}
.legal-content h2:first-child { margin-top: 0; }
.legal-content h3 {
  font-family: "Manrope", sans-serif;
  font-size: 16px;
  font-weight: 700;
  letter-spacing: 0.02em;
  margin: 28px 0 8px;
}
.legal-content p {
  margin: 0 0 16px;
  color: var(--ink-2);
}
.legal-content strong { color: var(--ink); font-weight: 600; }
.legal-content a {
  color: var(--teal-deep);
  border-bottom: 1px solid var(--teal);
  transition: color .15s, border-color .15s;
}
.legal-content a:hover { color: var(--gold-deep); border-color: var(--gold-deep); }
.legal-content ul {
  margin: 0 0 20px;
  padding-left: 20px;
}
.legal-content ul li {
  margin-bottom: 8px;
  color: var(--ink-2);
}
.legal-content .callout {
  background: var(--cream-2);
  border: 1px solid var(--line);
  border-left: 3px solid var(--teal);
  border-radius: 8px;
  padding: 20px 22px;
  margin: 24px 0;
  font-size: 15px;
}
.legal-content .callout strong {
  display: block;
  margin-bottom: 6px;
  color: var(--teal-deep);
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}
.legal-content .signoff {
  margin-top: 56px;
  padding-top: 32px;
  border-top: 1px solid var(--line);
  font-size: 14px;
  color: var(--ink-3);
}

/* Cross-links between legal pages */
.legal-related {
  background: var(--cream-2);
  padding: 64px 0;
  border-top: 1px solid var(--line);
}
.legal-related-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 16px;
}
.legal-related-card {
  display: block;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 28px;
  transition: transform .2s, border-color .2s, box-shadow .2s;
}
.legal-related-card:hover {
  transform: translateY(-3px);
  border-color: var(--teal);
  box-shadow: 0 16px 32px -16px rgba(60, 50, 30, 0.2);
}
.legal-related-card .num {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  color: var(--gold-deep);
  font-size: 14px;
}
.legal-related-card h4 {
  font-family: "Instrument Serif", serif;
  font-size: 24px;
  margin: 8px 0 6px;
  font-weight: 400;
}
.legal-related-card p {
  margin: 0;
  font-size: 13px;
  color: var(--ink-2);
  line-height: 1.5;
}
.legal-related-card.active {
  background: var(--ink);
  border-color: var(--ink);
}
.legal-related-card.active h4 { color: var(--cream); }
.legal-related-card.active p { color: rgba(250, 245, 236, 0.6); }
.legal-related-card.active .num { color: var(--gold); }

@media (max-width: 1024px) {
  .legal-grid { grid-template-columns: 1fr; gap: 24px; }
  .legal-toc {
    position: static;
    border-left: 0;
    border-top: 2px solid var(--line);
    padding-left: 0;
    padding-top: 20px;
    padding-right: 0;
    order: 2;
  }
  .legal-related-grid { grid-template-columns: 1fr; }
}


/* ── New hero art variants (May 2026) ──────────────────── */

/* Variant: Spotlight — big circular mascot disc, Jeremy as polaroid corner-piece */
.hero-art--spotlight {
  position: relative;
  padding: 20px 0 0;
  min-height: 560px;
}
.spotlight-disc {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 460px;
  aspect-ratio: 1;
  border-radius: 50%;
  margin: 0 auto;
  background: radial-gradient(circle at 30% 30%, var(--cream) 0%, var(--gold-soft) 60%, var(--teal-soft) 100%);
  border: 1px solid var(--line);
  box-shadow: 0 40px 80px -30px rgba(60, 50, 30, 0.3), inset 0 0 0 8px var(--cream);
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 30px;
}
.spotlight-disc img {
  width: 100%;
  height: 100%;
  object-fit: contain;
  display: block;
  filter: drop-shadow(0 18px 30px rgba(60, 50, 30, 0.2));
}
.spotlight-jeremy {
  position: absolute;
  bottom: 10px;
  right: 0;
  z-index: 3;
  background: var(--white);
  padding: 10px 10px 16px;
  box-shadow: 0 14px 30px -8px rgba(0,0,0,.25);
  border: 1px solid rgba(0,0,0,0.05);
  transform: rotate(5deg);
  width: 180px;
}
.spotlight-jeremy img {
  width: 100%;
  height: 200px;
  object-fit: cover;
  display: block;
}
.spotlight-jeremy-cap {
  padding-top: 10px;
  text-align: center;
  line-height: 1.1;
}
.spotlight-jeremy-cap .cap-name {
  font-family: "Caveat", cursive;
  color: var(--teal-deep);
  font-size: 24px;
  font-weight: 600;
}
.spotlight-jeremy-cap .cap-role {
  font-size: 10px;
  color: var(--ink-3);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 600;
  margin-top: 2px;
}
.spotlight-paws {
  position: absolute;
  top: 10%;
  left: 0;
  z-index: 0;
  display: flex;
  flex-direction: column;
  gap: 14px;
  font-size: 18px;
  color: var(--gold-deep);
  opacity: 0.5;
  transform: rotate(-12deg);
}

/* Variant: Mascot only — large dog illustration, "Fetch." script word, brand stamp */
.hero-art--mascotonly {
  position: relative;
  padding: 20px 0 40px;
  min-height: 580px;
  display: flex;
  flex-direction: column;
  align-items: center;
}
.mascotonly-bg {
  position: absolute;
  inset: 60px 0 40px;
  background: linear-gradient(160deg, var(--cream-2) 0%, var(--gold-soft) 60%, var(--teal-soft) 110%);
  border-radius: 200px 8px 200px 8px;
  z-index: 0;
}
.mascotonly-script {
  position: relative;
  z-index: 1;
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 96px;
  line-height: 1;
  color: var(--teal-deep);
  margin-bottom: -40px;
  padding-top: 30px;
  letter-spacing: -0.04em;
}
.mascotonly-img {
  position: relative;
  z-index: 1;
  width: 100%;
  max-width: 420px;
  display: block;
  filter: drop-shadow(0 30px 50px rgba(60, 50, 30, 0.22));
}
.mascotonly-tag {
  position: relative;
  z-index: 2;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 18px 22px;
  margin-top: -10px;
  max-width: 380px;
  box-shadow: 0 14px 30px -10px rgba(0,0,0,.15);
  text-align: center;
}
.mascotonly-tag .tag-stamp {
  font-family: "Manrope", sans-serif;
  font-size: 10px;
  letter-spacing: 0.2em;
  color: var(--gold-deep);
  font-weight: 700;
  margin-bottom: 6px;
}
.mascotonly-tag .tag-line {
  font-family: "Instrument Serif", serif;
  font-size: 18px;
  color: var(--ink);
  line-height: 1.3;
  font-style: italic;
}

/* Variant: Duo cards — brand card + Jeremy card */
.hero-art--duo {
  position: relative;
  padding: 30px 0;
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 16px;
  align-items: stretch;
}
.duo-card {
  border-radius: 8px;
  overflow: hidden;
  box-shadow: 0 20px 40px -20px rgba(60, 50, 30, 0.25);
  border: 1px solid var(--line);
  display: flex;
  flex-direction: column;
}
.duo-card--brand {
  background: linear-gradient(160deg, var(--gold-soft) 0%, var(--cream-2) 100%);
  padding: 28px 24px 32px;
  align-items: center;
  text-align: center;
  justify-content: space-between;
  min-height: 480px;
  position: relative;
}
.duo-brand-eyebrow {
  font-family: "Manrope", sans-serif;
  font-size: 10px;
  letter-spacing: 0.22em;
  color: var(--gold-deep);
  font-weight: 700;
}
.duo-brand-img {
  flex: 1;
  width: 100%;
  max-width: 280px;
  object-fit: contain;
  filter: drop-shadow(0 18px 30px rgba(60, 50, 30, 0.2));
  margin: 12px 0;
}
.duo-brand-tag {
  font-family: "Caveat", cursive;
  font-size: 32px;
  color: var(--teal-deep);
  font-weight: 600;
  line-height: 1;
}
.duo-card--jeremy {
  background: var(--white);
  position: relative;
  align-self: end;
  min-height: 380px;
}
.duo-jeremy-img {
  width: 100%;
  flex: 1;
  height: 100%;
  object-fit: cover;
  display: block;
  min-height: 280px;
}
.duo-jeremy-cap {
  padding: 16px 18px 18px;
  border-top: 1px solid var(--line);
  background: var(--cream);
}
.duo-jeremy-name {
  font-family: "Instrument Serif", serif;
  font-size: 22px;
  color: var(--ink);
  line-height: 1.1;
}
.duo-jeremy-role {
  font-size: 11px;
  color: var(--ink-3);
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 600;
  margin-top: 4px;
}


/* ── Google review CTA at the bottom of testimonials ──────────────────── */
.google-cta {
  margin-top: 48px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 28px 36px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  box-shadow: 0 16px 30px -20px rgba(60, 50, 30, 0.15);
}
.google-cta-left {
  display: flex;
  align-items: center;
  gap: 18px;
}
.google-stars {
  color: var(--gold-deep);
  font-size: 24px;
  letter-spacing: 4px;
  line-height: 1;
}
.google-text {
  font-size: 15px;
  color: var(--ink-2);
  line-height: 1.4;
}
.google-text strong { color: var(--ink); font-weight: 600; }
.google-cta-right {
  display: flex;
  gap: 10px;
  flex-shrink: 0;
}
@media (max-width: 1024px) {
  .google-cta {
    flex-direction: column;
    align-items: flex-start;
    padding: 24px;
  }
  .google-cta-right { width: 100%; }
  .google-cta-right .btn { flex: 1; justify-content: center; }
}
@media (max-width: 640px) {
  .google-cta-right { flex-direction: column; }
}


/* ── Apply Now confirmation modal ──────────────────── */
.apply-modal {
  position: fixed;
  inset: 0;
  background: rgba(33, 29, 24, 0.65);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  z-index: 100;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 24px;
  animation: applyFadeIn .2s ease-out;
}
@keyframes applyFadeIn {
  from { opacity: 0; }
  to { opacity: 1; }
}
.apply-modal-card {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 40px;
  width: 100%;
  max-width: 560px;
  max-height: calc(100vh - 48px);
  overflow-y: auto;
  position: relative;
  box-shadow: 0 40px 80px -20px rgba(0, 0, 0, 0.4);
  animation: applySlideUp .25s cubic-bezier(.4, 0, .2, 1);
}
@keyframes applySlideUp {
  from { opacity: 0; transform: translateY(20px); }
  to { opacity: 1; transform: translateY(0); }
}
.apply-modal-close {
  position: absolute;
  top: 14px; right: 14px;
  width: 36px; height: 36px;
  border-radius: 50%;
  background: transparent;
  border: 1px solid var(--line);
  color: var(--ink-2);
  font-size: 24px;
  line-height: 1;
  cursor: pointer;
  padding: 0;
  transition: background .15s, border-color .15s;
}
.apply-modal-close:hover {
  background: var(--white);
  border-color: var(--ink-3);
  color: var(--ink);
}
.apply-modal-title {
  font-family: "Instrument Serif", serif;
  font-size: 36px;
  line-height: 1.05;
  letter-spacing: -0.02em;
  margin: 8px 0 14px;
  font-weight: 400;
}
.apply-modal-lede {
  font-size: 15px;
  color: var(--ink-2);
  line-height: 1.55;
  margin: 0 0 24px;
}
.apply-modal-lede strong { color: var(--ink); font-weight: 600; }
.apply-modal-list {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 28px;
}
.apply-modal-item {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.apply-modal-item .num {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  color: var(--gold-deep);
  font-size: 16px;
  min-width: 24px;
  padding-top: 1px;
}
.apply-modal-item strong {
  display: block;
  font-size: 15px;
  color: var(--ink);
  font-weight: 600;
  line-height: 1.3;
  margin-bottom: 2px;
}
.apply-modal-item span {
  display: block;
  font-size: 13px;
  color: var(--ink-2);
  line-height: 1.5;
}
.apply-modal-actions {
  display: flex;
  gap: 10px;
  justify-content: flex-end;
}
.apply-modal-actions .btn {
  padding: 12px 20px;
}
.apply-modal-actions .btn.ghost {
  background: transparent;
}
.apply-modal-foot {
  margin-top: 20px;
  padding-top: 20px;
  border-top: 1px solid var(--line);
  font-size: 13px;
  color: var(--ink-3);
  text-align: center;
}
.apply-modal-foot a {
  color: var(--teal-deep);
  border-bottom: 1px solid var(--teal);
  transition: color .15s;
}
.apply-modal-foot a:hover { color: var(--gold-deep); border-color: var(--gold-deep); }

@media (max-width: 560px) {
  .apply-modal-card { padding: 28px 22px; border-radius: 14px; }
  .apply-modal-title { font-size: 28px; }
  .apply-modal-actions { flex-direction: column-reverse; }
  .apply-modal-actions .btn { width: 100%; justify-content: center; }
}


/* ── Lenders grid (replaces ticker) ──────────────────── */
.lenders {
  background: var(--cream-2);
  padding: 64px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.lenders-head {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: end;
  margin-bottom: 40px;
}
.lenders-title {
  font-size: clamp(28px, 3.6vw, 44px);
  line-height: 1.05;
  letter-spacing: -0.015em;
  margin: 8px 0 0;
  max-width: 480px;
}
.lenders-blurb {
  font-size: 15px;
  color: var(--ink-2);
  line-height: 1.55;
  margin: 0;
  max-width: 420px;
  justify-self: end;
}
.lenders-grid {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 10px;
}
/* ── lender ticker (scrolling row of logos) ───────── */
.lender-ticker {
  margin-top: 40px;
  overflow: hidden;
  position: relative;
  mask-image: linear-gradient(to right, transparent, black 8%, black 92%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, black 8%, black 92%, transparent);
}
.lender-ticker-track {
  display: inline-flex;
  gap: 40px;
  padding-left: 40px;
  animation: lenderTick 60s linear infinite;
  white-space: nowrap;
}
.lender-tile {
  flex-shrink: 0;
  width: 160px;
  height: 92px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 18px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: transform .25s, border-color .25s, box-shadow .25s;
}
.lender-tile:hover {
  transform: translateY(-3px);
  border-color: var(--teal);
  box-shadow: 0 16px 30px -16px rgba(60, 50, 30, 0.25);
}
.lender-tile img {
  max-width: 100%;
  max-height: 100%;
  width: auto;
  height: auto;
  object-fit: contain;
  filter: grayscale(20%) opacity(0.85);
  transition: filter .2s;
}
.lender-tile:hover img {
  filter: grayscale(0%) opacity(1);
}
@keyframes lenderTick {
  from { transform: translateX(0); }
  to { transform: translateX(-50%); }
}
.lender-ticker:hover .lender-ticker-track {
  animation-play-state: paused;
}

@media (max-width: 1024px) {
  .lenders-head { grid-template-columns: 1fr; gap: 16px; }
  .lenders-blurb { justify-self: start; }
  .lenders-grid { grid-template-columns: repeat(3, 1fr); }
}
@media (max-width: 640px) {
  .lenders-grid { grid-template-columns: repeat(2, 1fr); gap: 8px; }
  .lender-chip { padding: 14px 12px; min-height: 80px; }
  .lender-name { font-size: 18px; }
}


/* ── lender tile (text wordmarks with brand-color stripe) ─ */
.lender-tile {
  flex-shrink: 0;
  position: relative;
  width: 220px;
  height: 116px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 14px 18px 12px;
  display: inline-flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 6px;
  white-space: normal;
  text-align: center;
  overflow: hidden;
  transition: transform .25s, border-color .25s, box-shadow .25s;
}
.lender-tile:hover {
  transform: translateY(-3px);
  border-color: var(--brand, var(--teal));
  box-shadow: 0 16px 30px -16px rgba(60,50,30,.25);
}
.lender-stripe {
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 4px;
  background: var(--brand, var(--teal));
}
.lender-name {
  font-family: "Instrument Serif", serif;
  font-size: 22px;
  line-height: 1.05;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.lender-cat {
  font-family: "Manrope", sans-serif;
  font-size: 9.5px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.lender-tile--bigbank .lender-cat { color: var(--teal-deep); }
.lender-tile--mfc .lender-cat { color: var(--gold-deep); }
.lender-tile--monoline .lender-cat { color: var(--gold-deep); }
.lender-tile--alta .lender-cat { color: var(--ink-3); }
.lender-img {
  max-width: 100%;
  max-height: 100%;
  width: auto;
  height: auto;
  object-fit: contain;
  display: block;
}
.lender-tile--has-logo { padding: 16px 18px; }

/* ── topbar social row ────────────────────────────── */
.tb-socials {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  margin-right: 4px;
}
.tb-social {
  display: inline-flex; align-items: center; justify-content: center;
  width: 26px; height: 26px;
  border-radius: 6px;
  color: rgba(250,245,236,0.7);
  transition: color .15s, background .15s;
}
.tb-social:hover { color: var(--gold); background: rgba(255,255,255,0.06); }

/* ── footer social row ────────────────────────────── */
.foot-socials {
  display: flex; gap: 10px; margin-top: 14px;
}
.foot-socials a.foot-social {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px;
  border-radius: 999px;
  border: 1px solid rgba(255,255,255,0.14);
  color: rgba(250,245,236,0.78);
  transition: color .15s, border-color .15s, background .15s, transform .15s;
}
.foot-socials a.foot-social:hover {
  color: var(--ink);
  background: var(--gold);
  border-color: var(--gold);
  transform: translateY(-2px);
}

/* ── floating Contact FAB ─────────────────────────── */
.fab-contact {
  position: fixed;
  right: 24px;
  bottom: 24px;
  z-index: 45;
  display: inline-flex;
  align-items: center;
  gap: 10px;
  padding: 14px 20px 14px 22px;
  background: var(--teal);
  color: var(--white);
  border: 1px solid var(--teal-deep);
  border-radius: 999px;
  font-family: "Manrope", sans-serif;
  font-size: 14px;
  font-weight: 600;
  letter-spacing: 0.01em;
  box-shadow: 0 16px 36px -10px rgba(43,107,102,0.55), 0 4px 10px -4px rgba(0,0,0,0.18);
  cursor: pointer;
  transform: translateY(0);
  opacity: 1;
  transition: transform .35s cubic-bezier(.4,0,.2,1), opacity .25s, background .15s, box-shadow .25s;
}
.fab-contact:hover {
  background: var(--teal-deep);
  box-shadow: 0 20px 40px -10px rgba(43,107,102,0.7);
}
.fab-contact.is-hidden {
  transform: translateY(120%);
  opacity: 0;
  pointer-events: none;
}
.fab-contact .fab-chev {
  display: inline-flex;
  animation: fabBob 2.2s ease-in-out infinite;
}
@keyframes fabBob {
  0%, 100% { transform: translateY(0); }
  50%      { transform: translateY(3px); }
}
@media (max-width: 640px) {
  .fab-contact { right: 14px; bottom: 14px; padding: 12px 16px 12px 18px; font-size: 13px; }
}

/* ── INVIS logo slot beside Fetch logo ────────────── */
.brand-lockup {
  display: inline-flex;
  align-items: center;
  gap: 12px;
}
.brand-lockup .brand-divider {
  width: 1px; height: 26px;
  background: var(--line);
}
.brand-lockup .brand-invis {
  display: inline-flex; align-items: center;
  height: 36px;
}
.brand-lockup .brand-invis img { height: 100%; width: auto; display: block; }
.brand-lockup .brand-invis-placeholder {
  display: inline-flex; align-items: center; justify-content: center;
  height: 28px;
  padding: 0 10px;
  border: 1px dashed var(--ink-3);
  border-radius: 6px;
  color: var(--ink-3);
  font-family: "Manrope", sans-serif;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.22em;
  text-transform: uppercase;
}
@media (max-width: 540px) {
  .brand-lockup .brand-divider,
  .brand-lockup .brand-invis,
  .brand-lockup .brand-invis-placeholder { display: none; }
}

/* ── FAQ hub page ─────────────────────────────────── */
.faq-hero {
  padding: 72px 0 56px;
  background: linear-gradient(180deg, var(--cream-2) 0%, var(--cream) 100%);
  border-bottom: 1px solid var(--line);
  position: relative;
  overflow: hidden;
}
.faq-hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 92% 10%, rgba(210,165,95,0.18) 0%, transparent 38%),
    radial-gradient(circle at 4% 92%, rgba(58,142,135,0.14) 0%, transparent 42%);
  pointer-events: none;
}
.faq-hero .wrap { position: relative; z-index: 1; }

.faq-hero-grid {
  display: grid;
  grid-template-columns: 1.3fr 0.7fr;
  gap: 56px;
  align-items: end;
}
.faq-hero-grid--single {
  grid-template-columns: 1fr;
  max-width: 820px;
}
.faq-hero h1 {
  font-family: "Instrument Serif", serif;
  font-size: clamp(48px, 6.4vw, 84px);
  line-height: 0.96;
  letter-spacing: -0.022em;
  margin: 16px 0 22px;
}
.faq-hero h1 .num {
  color: var(--gold-deep);
  font-style: italic;
}
.faq-hero h1 .accent { color: var(--teal-deep); font-style: italic; }
.faq-hero .lede {
  font-size: 19px;
  line-height: 1.55;
  color: var(--ink-2);
  max-width: 560px;
  margin: 0;
}
.faq-meta-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 22px 24px;
  display: flex;
  flex-direction: column;
  gap: 14px;
}
.faq-meta-card .row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 12px;
  padding-bottom: 10px;
  border-bottom: 1px solid var(--line);
}
.faq-meta-card .row:last-child { border-bottom: 0; padding-bottom: 0; }
.faq-meta-card .k {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 700;
}
.faq-meta-card .v {
  font-family: "Instrument Serif", serif;
  font-size: 18px;
  color: var(--ink);
  line-height: 1.1;
  text-align: right;
}
.faq-meta-card .v.teal { color: var(--teal-deep); }

/* TL;DR summary band right under hero */
.faq-tldr {
  padding: 56px 0 24px;
  background: var(--cream);
}
.faq-tldr-card {
  background: var(--ink);
  color: var(--cream);
  border-radius: 18px;
  padding: 44px 48px;
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 48px;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.faq-tldr-card::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(circle at 90% 20%, rgba(210,165,95,0.16) 0%, transparent 50%),
    radial-gradient(circle at 8% 90%, rgba(58,142,135,0.14) 0%, transparent 55%);
  pointer-events: none;
}
.faq-tldr-card > * { position: relative; z-index: 1; }
.faq-tldr-card .eyebrow { color: var(--gold); }
.faq-tldr-card h2 {
  font-family: "Instrument Serif", serif;
  font-size: clamp(28px, 3.2vw, 40px);
  line-height: 1.06;
  letter-spacing: -0.015em;
  margin: 10px 0 0;
  color: var(--cream);
  font-weight: 400;
}
.faq-tldr-card h2 .accent { color: var(--gold); font-style: italic; }
.faq-tldr-list {
  margin: 0;
  padding: 0;
  list-style: none;
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px 28px;
}
.faq-tldr-list li {
  display: flex;
  gap: 12px;
  font-size: 14px;
  line-height: 1.5;
  color: rgba(250,245,236,0.82);
}
.faq-tldr-list li .n {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  color: var(--gold);
  font-size: 16px;
  line-height: 1.2;
  flex-shrink: 0;
  min-width: 22px;
}

/* Category TOC grid */
.faq-toc-section { padding: 48px 0 24px; }
.faq-toc-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 14px;
}
.faq-toc-card {
  display: block;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 24px 26px;
  transition: transform .2s, border-color .2s, box-shadow .2s;
  position: relative;
}
.faq-toc-card:hover {
  transform: translateY(-3px);
  border-color: var(--teal);
  box-shadow: 0 16px 32px -16px rgba(60, 50, 30, 0.18);
}
.faq-toc-card .ix {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  color: var(--gold-deep);
  font-size: 14px;
  letter-spacing: 0.02em;
}
.faq-toc-card h4 {
  font-family: "Instrument Serif", serif;
  font-size: 24px;
  font-weight: 400;
  line-height: 1.1;
  margin: 8px 0 8px;
  color: var(--ink);
}
.faq-toc-card .count {
  font-size: 12px;
  color: var(--ink-3);
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}
.faq-toc-card .count .num { color: var(--teal-deep); font-family: "Instrument Serif", serif; font-style: italic; font-size: 14px; }

/* Category section + questions */
.faq-section {
  padding: 72px 0 56px;
  border-top: 1px solid var(--line);
  scroll-margin-top: 100px;
}
.faq-section.alt { background: var(--cream-2); }
.faq-section-head {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 56px;
  align-items: start;
  margin-bottom: 48px;
}
.faq-section-head .cat-ix {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 22px;
  color: var(--gold-deep);
  line-height: 1;
  margin-bottom: 12px;
}
.faq-section-head h2 {
  font-family: "Instrument Serif", serif;
  font-size: clamp(36px, 4.4vw, 56px);
  line-height: 1;
  letter-spacing: -0.018em;
  margin: 0;
  font-weight: 400;
}
.faq-section-head h2 .accent { color: var(--teal-deep); font-style: italic; }
.faq-section-head .intro {
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink-2);
  margin: 0;
  max-width: 540px;
}

.faq-qa-list {
  display: flex;
  flex-direction: column;
  gap: 32px;
}
.faq-qa {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 32px 36px;
  scroll-margin-top: 100px;
  position: relative;
  transition: border-color .2s, box-shadow .2s;
}
.faq-section.alt .faq-qa { background: var(--cream); }
.faq-qa:hover { border-color: rgba(58, 142, 135, 0.4); }
.faq-qa .q-head {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 18px;
  align-items: baseline;
  margin-bottom: 12px;
}
.faq-qa .q-num {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 16px;
  color: var(--gold-deep);
  letter-spacing: 0.02em;
  white-space: nowrap;
  line-height: 1.3;
}
.faq-qa h3 {
  font-family: "Instrument Serif", serif;
  font-size: clamp(22px, 2.2vw, 28px);
  font-weight: 400;
  line-height: 1.18;
  margin: 0;
  letter-spacing: -0.005em;
  color: var(--ink);
}
.faq-qa .q-anchor {
  font-family: "Manrope", sans-serif;
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 700;
  opacity: 0;
  transition: opacity .15s;
  white-space: nowrap;
}
.faq-qa:hover .q-anchor { opacity: 1; }
.faq-qa .q-anchor:hover { color: var(--teal-deep); }

.faq-tldr-row {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  background: linear-gradient(90deg, var(--teal-soft) 0%, rgba(214, 231, 229, 0.4) 100%);
  border-radius: 10px;
  padding: 14px 18px;
  margin: 16px 0 18px;
}
.faq-tldr-row .lab {
  font-family: "Manrope", sans-serif;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--teal-deep);
  padding-top: 2px;
  white-space: nowrap;
  flex-shrink: 0;
}
.faq-tldr-row .body {
  font-size: 15px;
  line-height: 1.55;
  color: var(--ink);
  margin: 0;
}
.faq-qa .answer {
  font-size: 16px;
  line-height: 1.7;
  color: var(--ink-2);
}
.faq-qa .answer p { margin: 0 0 14px; }
.faq-qa .answer p:last-child { margin: 0; }
.faq-qa .answer ul {
  margin: 8px 0 14px;
  padding-left: 20px;
}
.faq-qa .answer ul li {
  margin-bottom: 8px;
}
.faq-qa .answer strong { color: var(--ink); font-weight: 600; }
.faq-qa .answer a {
  color: var(--teal-deep);
  border-bottom: 1px solid var(--teal);
  transition: color .15s, border-color .15s;
}
.faq-qa .answer a:hover { color: var(--gold-deep); border-bottom-color: var(--gold-deep); }

/* AIO-friendly: "Related" pill row */
.faq-related {
  margin-top: 20px;
  padding-top: 18px;
  border-top: 1px dashed var(--line);
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
}
.faq-related .lab {
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 700;
  margin-right: 6px;
}
.faq-related a {
  font-size: 12.5px;
  padding: 6px 12px;
  background: var(--cream-2);
  border: 1px solid var(--line);
  border-radius: 999px;
  color: var(--ink-2);
  transition: all .15s;
  font-weight: 500;
}
.faq-section.alt .faq-related a { background: var(--white); }
.faq-related a:hover { background: var(--teal-soft); border-color: var(--teal); color: var(--teal-deep); }

@media (max-width: 1024px) {
  .faq-hero-grid,
  .faq-tldr-card,
  .faq-section-head { grid-template-columns: 1fr; gap: 28px; }
  .faq-toc-grid { grid-template-columns: 1fr 1fr; }
  .faq-tldr-list { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .faq-toc-grid { grid-template-columns: 1fr; }
  .faq-tldr-card { padding: 28px 24px; }
  .faq-qa { padding: 24px 22px; }
  .faq-qa .q-head { grid-template-columns: auto 1fr; }
  .faq-qa .q-anchor { display: none; }
}

/* ── FAQ - scan-first accordion layout (v2) ───────────── */

/* Search + controls bar - sticky at top of the questions area */
.faq-controls {
  position: sticky;
  top: 88px;
  z-index: 30;
  background: var(--cream);
  padding: 18px 0 14px;
  margin: 0 0 8px;
  border-bottom: 1px solid var(--line);
}
.faq-controls-inner {
  display: grid;
  grid-template-columns: 1fr auto auto;
  gap: 14px;
  align-items: center;
}
.faq-search {
  position: relative;
  display: flex;
  align-items: center;
}
.faq-search .icon {
  position: absolute;
  left: 18px;
  color: var(--ink-3);
  pointer-events: none;
  display: inline-flex;
}
.faq-search input {
  width: 100%;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 14px 48px 14px 50px;
  font-family: "Manrope", sans-serif;
  font-size: 15px;
  color: var(--ink);
  outline: none;
  transition: border-color .15s, box-shadow .15s;
}
.faq-search input:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(58, 142, 135, 0.12);
}
.faq-search input::placeholder { color: var(--ink-3); }
.faq-search .clear {
  position: absolute;
  right: 14px;
  background: var(--cream-2);
  border: 1px solid var(--line);
  color: var(--ink-2);
  width: 26px;
  height: 26px;
  border-radius: 50%;
  font-size: 14px;
  font-family: inherit;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  line-height: 1;
  padding: 0;
  transition: background .15s, color .15s;
}
.faq-search .clear:hover { background: var(--ink); color: var(--cream); border-color: var(--ink); }

.faq-control-btn {
  background: var(--white);
  border: 1px solid var(--line);
  color: var(--ink-2);
  padding: 12px 18px;
  border-radius: 999px;
  font-family: "Manrope", sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.02em;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all .15s;
  white-space: nowrap;
}
.faq-control-btn:hover { background: var(--ink); color: var(--cream); border-color: var(--ink); }
.faq-control-btn .ix {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  color: var(--gold-deep);
  font-size: 14px;
}
.faq-control-btn:hover .ix { color: var(--gold); }

.faq-result-count {
  font-size: 13px;
  color: var(--ink-3);
  padding: 12px 0 4px;
  margin: 0;
  font-style: italic;
}
.faq-result-count strong { color: var(--ink); font-style: normal; font-family: "Instrument Serif", serif; font-size: 16px; }
.faq-result-count em { font-style: normal; color: var(--teal-deep); }

/* Empty state when no results */
.faq-empty {
  text-align: center;
  padding: 64px 24px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  margin-top: 24px;
}
.faq-empty h3 {
  font-family: "Instrument Serif", serif;
  font-size: 28px;
  font-weight: 400;
  margin: 0 0 10px;
}
.faq-empty p { color: var(--ink-2); margin: 0 auto; max-width: 360px; font-size: 15px; }
.faq-empty .btn { margin-top: 22px; }

/* Category section v2 — tighter */
.faq-section-v2 {
  padding: 56px 0 24px;
  border-top: 1px solid var(--line);
  scroll-margin-top: 160px;
}
.faq-section-v2.alt { background: var(--cream-2); }
.faq-section-v2 .cat-head {
  display: flex;
  align-items: baseline;
  gap: 18px;
  margin-bottom: 28px;
  flex-wrap: wrap;
}
.faq-section-v2 .cat-head .cat-ix {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 18px;
  color: var(--gold-deep);
}
.faq-section-v2 .cat-head h2 {
  font-family: "Instrument Serif", serif;
  font-size: clamp(28px, 3vw, 40px);
  line-height: 1;
  margin: 0;
  font-weight: 400;
  letter-spacing: -0.01em;
}
.faq-section-v2 .cat-head h2 .accent { color: var(--teal-deep); font-style: italic; }
.faq-section-v2 .cat-head .cat-count {
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-left: auto;
}

/* Accordion item */
.faq-row {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 12px;
  margin-bottom: 10px;
  scroll-margin-top: 180px;
  transition: border-color .2s, box-shadow .2s;
  overflow: hidden;
}
.faq-section-v2.alt .faq-row { background: var(--cream); }
.faq-row:hover { border-color: rgba(58, 142, 135, 0.4); }
.faq-row[open] {
  border-color: var(--teal-deep);
  box-shadow: 0 12px 32px -16px rgba(60, 50, 30, 0.18);
}

.faq-row summary {
  list-style: none;
  cursor: pointer;
  padding: 18px 22px;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 18px;
  align-items: center;
  transition: background .15s;
}
.faq-row summary::-webkit-details-marker { display: none; }
.faq-row summary:hover { background: rgba(214, 231, 229, 0.18); }
.faq-row[open] summary {
  border-bottom: 1px solid var(--line);
  background: linear-gradient(90deg, rgba(214, 231, 229, 0.3) 0%, transparent 100%);
}

.faq-row .row-num {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 18px;
  color: var(--gold-deep);
  letter-spacing: 0.02em;
  min-width: 36px;
}
.faq-row .row-text { min-width: 0; }
.faq-row h3 {
  font-family: "Instrument Serif", serif;
  font-size: 20px;
  font-weight: 400;
  line-height: 1.2;
  margin: 0 0 4px;
  letter-spacing: -0.005em;
  color: var(--ink);
}
.faq-row .peek {
  font-size: 13.5px;
  line-height: 1.45;
  color: var(--ink-2);
  margin: 0;
  display: -webkit-box;
  -webkit-line-clamp: 2;
  -webkit-box-orient: vertical;
  overflow: hidden;
  font-weight: 400;
}
.faq-row .peek mark {
  background: var(--gold-soft);
  color: var(--ink);
  padding: 0 2px;
  border-radius: 2px;
}
.faq-row h3 mark {
  background: var(--gold-soft);
  color: var(--ink);
  padding: 0 3px;
  border-radius: 3px;
}

/* Inline <strong> emphasis on key terms in questions + TL;DRs */
.faq-row h3 strong,
.faq-card h3 strong {
  font-weight: 600;
  color: var(--teal-deep);
}
.faq-row .peek strong,
.faq-card .card-tldr strong {
  font-weight: 600;
  color: var(--ink);
}

.faq-row .row-toggle {
  width: 34px;
  height: 34px;
  border-radius: 50%;
  background: var(--cream-2);
  color: var(--teal-deep);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 18px;
  font-weight: 500;
  font-family: "Manrope", sans-serif;
  border: 1px solid var(--line);
  transition: transform .25s, background .15s, color .15s;
  flex-shrink: 0;
}
.faq-row:hover .row-toggle { background: var(--teal-soft); }
.faq-row[open] .row-toggle {
  background: var(--teal-deep);
  color: var(--cream);
  transform: rotate(45deg);
  border-color: var(--teal-deep);
}

/* Body when expanded */
.faq-row .row-body {
  padding: 22px 24px 24px 76px;
  font-size: 15.5px;
  line-height: 1.65;
  color: var(--ink-2);
}
.faq-row .row-body p { margin: 0 0 12px; }
.faq-row .row-body p:last-child { margin: 0; }
.faq-row .row-body strong { color: var(--ink); font-weight: 600; }
.faq-row .row-body ul {
  margin: 8px 0 14px;
  padding-left: 20px;
}
.faq-row .row-body ul li { margin-bottom: 8px; }
.faq-row .row-body a {
  color: var(--teal-deep);
  border-bottom: 1px solid var(--teal);
  transition: color .15s, border-color .15s;
}
.faq-row .row-body a:hover { color: var(--gold-deep); border-bottom-color: var(--gold-deep); }

.faq-row .row-related {
  margin-top: 16px;
  padding-top: 14px;
  border-top: 1px dashed var(--line);
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
}
.faq-row .row-related .lab {
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 700;
  margin-right: 4px;
}
.faq-row .row-related a {
  font-size: 12.5px;
  padding: 5px 11px;
  background: var(--cream-2);
  border: 1px solid var(--line);
  border-radius: 999px;
  color: var(--ink-2);
  font-weight: 500;
  border-bottom: 1px solid var(--line);
  transition: all .15s;
}
.faq-section-v2.alt .faq-row .row-related a { background: var(--white); }
.faq-row .row-related a:hover {
  background: var(--teal-soft);
  border-color: var(--teal);
  color: var(--teal-deep);
}

@media (max-width: 768px) {
  .faq-controls { top: 80px; }
  .faq-controls-inner { grid-template-columns: 1fr; gap: 10px; }
  .faq-control-btn { justify-content: center; }
  .faq-row summary { padding: 16px 18px; gap: 12px; }
  .faq-row .row-num { font-size: 15px; min-width: 28px; }
  .faq-row h3 { font-size: 17px; }
  .faq-row .peek { font-size: 13px; }
  .faq-row .row-body { padding: 18px 20px 22px 20px; }
  .faq-row .row-toggle { width: 30px; height: 30px; font-size: 16px; }
}

/* ── FAQ - Sidebar layout (index + long-form) ────────── */
.faq-layout-sidebar .faq-sidebar-grid {
  display: grid;
  grid-template-columns: 300px 1fr;
  gap: 64px;
  align-items: start;
  padding: 40px 0 80px;
}
.faq-sidebar-nav {
  position: sticky;
  top: 180px;
  max-height: calc(100vh - 220px);
  overflow-y: auto;
  padding-right: 12px;
  scrollbar-width: thin;
}
.faq-sidebar-nav::-webkit-scrollbar { width: 6px; }
.faq-sidebar-nav::-webkit-scrollbar-thumb { background: var(--line); border-radius: 3px; }
.faq-sidebar-cat {
  margin-bottom: 22px;
}
.faq-sidebar-cat:last-child { margin-bottom: 0; }
.faq-sidebar-cat .head {
  font-family: "Manrope", sans-serif;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--teal-deep);
  padding-bottom: 10px;
  margin-bottom: 10px;
  border-bottom: 1px solid var(--line);
  display: flex;
  justify-content: space-between;
  align-items: baseline;
}
.faq-sidebar-cat .head .n {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  color: var(--gold-deep);
  letter-spacing: 0.02em;
  font-weight: 400;
  font-size: 13px;
  text-transform: none;
}
.faq-sidebar-cat ol {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.faq-sidebar-cat ol li a {
  display: flex;
  gap: 10px;
  font-size: 15px;
  line-height: 1.45;
  color: var(--ink-2);
  padding: 8px 0;
  transition: color .12s, padding .12s;
}
.faq-sidebar-cat ol li a strong {
  font-weight: 600;
  color: var(--ink);
}
.faq-sidebar-cat ol li a .ix {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  color: var(--gold-deep);
  flex-shrink: 0;
  min-width: 26px;
  font-size: 15px;
}
.faq-sidebar-cat ol li a:hover {
  color: var(--teal-deep);
  padding-left: 4px;
}
.faq-sidebar-cat ol li a.active {
  color: var(--teal-deep);
  font-weight: 600;
}

.faq-sidebar-body { min-width: 0; }
.faq-sidebar-section {
  margin-bottom: 56px;
  scroll-margin-top: 180px;
}
.faq-sidebar-section .sec-head {
  display: flex;
  align-items: baseline;
  gap: 16px;
  margin-bottom: 24px;
  padding-bottom: 12px;
  border-bottom: 1px solid var(--line);
}
.faq-sidebar-section .sec-head .ix {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  color: var(--gold-deep);
  font-size: 16px;
}
.faq-sidebar-section .sec-head h2 {
  font-family: "Instrument Serif", serif;
  font-size: clamp(28px, 3vw, 36px);
  line-height: 1.05;
  margin: 0;
  font-weight: 400;
  letter-spacing: -0.01em;
}
.faq-sidebar-section .sec-head h2 .accent { color: var(--teal-deep); font-style: italic; }

.faq-card {
  padding: 28px 0 24px;
  border-bottom: 1px solid var(--line);
  scroll-margin-top: 180px;
}
.faq-card:last-child { border-bottom: 0; }
.faq-card .card-head {
  display: flex;
  gap: 14px;
  align-items: baseline;
  margin-bottom: 12px;
}
.faq-card .card-head .num {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 18px;
  color: var(--gold-deep);
  flex-shrink: 0;
  min-width: 36px;
}
.faq-card h3 {
  font-family: "Instrument Serif", serif;
  font-size: clamp(22px, 2.2vw, 28px);
  font-weight: 400;
  line-height: 1.18;
  margin: 0;
  letter-spacing: -0.005em;
  color: var(--ink);
  flex: 1;
}
.faq-card .card-tldr {
  background: var(--teal-soft);
  border-radius: 8px;
  padding: 12px 16px;
  margin: 0 0 16px 50px;
  display: flex;
  gap: 12px;
  align-items: flex-start;
}
.faq-card .card-tldr .lab {
  font-family: "Manrope", sans-serif;
  font-size: 10px;
  font-weight: 800;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--teal-deep);
  padding-top: 2px;
  flex-shrink: 0;
  white-space: nowrap;
}
.faq-card .card-tldr p {
  font-size: 14.5px;
  line-height: 1.5;
  color: var(--ink);
  margin: 0;
}
.faq-card .card-body {
  padding-left: 50px;
  font-size: 15.5px;
  line-height: 1.65;
  color: var(--ink-2);
}
.faq-card .card-body p { margin: 0 0 12px; }
.faq-card .card-body p:last-child { margin: 0; }
.faq-card .card-body strong { color: var(--ink); font-weight: 600; }
.faq-card .card-body ul { margin: 8px 0 14px; padding-left: 20px; }
.faq-card .card-body ul li { margin-bottom: 8px; }
.faq-card .card-body a {
  color: var(--teal-deep);
  border-bottom: 1px solid var(--teal);
  transition: color .15s, border-color .15s;
}
.faq-card .card-body a:hover { color: var(--gold-deep); border-bottom-color: var(--gold-deep); }
.faq-card .card-related {
  padding-left: 50px;
  margin-top: 14px;
  display: flex;
  flex-wrap: wrap;
  gap: 6px;
  align-items: center;
}
.faq-card .card-related .lab {
  font-size: 10px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 700;
  margin-right: 4px;
}
.faq-card .card-related a {
  font-size: 12px;
  padding: 5px 10px;
  background: var(--cream-2);
  border: 1px solid var(--line);
  border-radius: 999px;
  color: var(--ink-2);
  font-weight: 500;
  transition: all .15s;
}
.faq-card .card-related a:hover {
  background: var(--teal-soft);
  border-color: var(--teal);
  color: var(--teal-deep);
}

@media (max-width: 1024px) {
  .faq-layout-sidebar .faq-sidebar-grid { grid-template-columns: 1fr; gap: 32px; }
  .faq-sidebar-nav {
    position: static;
    max-height: none;
    overflow: visible;
    padding: 20px;
    background: var(--white);
    border: 1px solid var(--line);
    border-radius: 12px;
  }
  .faq-card .card-tldr,
  .faq-card .card-body,
  .faq-card .card-related { margin-left: 0; padding-left: 0; }
}

/* ── FAQ - Tabbed layout ────────────────────────────── */
.faq-layout-tabs .faq-tabs-strip {
  position: sticky;
  top: 88px;
  z-index: 28;
  background: var(--cream);
  padding: 16px 0;
  border-bottom: 1px solid var(--line);
}
.faq-tabs-row {
  display: flex;
  gap: 6px;
  overflow-x: auto;
  scrollbar-width: none;
  -ms-overflow-style: none;
  padding: 2px;
}
.faq-tabs-row::-webkit-scrollbar { display: none; }
.faq-tab {
  flex-shrink: 0;
  padding: 10px 18px;
  border: 1px solid var(--line);
  background: var(--white);
  border-radius: 999px;
  cursor: pointer;
  font-family: "Manrope", sans-serif;
  font-size: 13px;
  font-weight: 600;
  color: var(--ink-2);
  display: inline-flex;
  align-items: center;
  gap: 8px;
  transition: all .15s;
  white-space: nowrap;
}
.faq-tab:hover {
  border-color: var(--teal);
  color: var(--teal-deep);
}
.faq-tab.on {
  background: var(--ink);
  color: var(--cream);
  border-color: var(--ink);
}
.faq-tab .count {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 14px;
  color: var(--gold-deep);
}
.faq-tab.on .count { color: var(--gold); }
.faq-tab .ix {
  font-size: 10px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 700;
}
.faq-tab.on .ix { color: rgba(250,245,236,0.6); }

.faq-tabs-panel {
  padding: 48px 0 64px;
}
.faq-tabs-intro {
  font-size: 16px;
  color: var(--ink-2);
  line-height: 1.6;
  margin: 0 0 32px;
  max-width: 680px;
}

/* Master list of question titles within a tab */
.faq-tabs-qlist {
  list-style: none;
  padding: 0;
  margin: 0 0 32px;
  display: flex;
  flex-direction: column;
  gap: 0;
  border-top: 1px solid var(--line);
}
.faq-tabs-qlist li { margin: 0; }
.faq-tabs-qrow {
  display: grid;
  grid-template-columns: 36px 1fr 16px;
  grid-template-rows: auto auto;
  column-gap: 16px;
  row-gap: 4px;
  width: 100%;
  text-align: left;
  background: transparent;
  border: 0;
  border-bottom: 1px solid var(--line);
  padding: 18px 4px;
  cursor: pointer;
  font-family: "Manrope", sans-serif;
  color: var(--ink);
  transition: background 0.15s ease, padding 0.15s ease;
}
.faq-tabs-qrow:hover {
  background: rgba(212, 165, 116, 0.05);
}
.faq-tabs-qrow.on {
  background: rgba(212, 165, 116, 0.08);
  padding-left: 16px;
  padding-right: 16px;
  border-left: 3px solid var(--gold-deep);
  border-right: 0;
}
.faq-tabs-qrow .ix {
  grid-row: 1 / span 2;
  align-self: center;
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 22px;
  color: var(--gold-deep);
  line-height: 1;
}
.faq-tabs-qrow .q {
  grid-column: 2;
  grid-row: 1;
  font-size: 17px;
  font-weight: 600;
  line-height: 1.35;
  color: var(--ink);
}
.faq-tabs-qrow .tldr {
  grid-column: 2;
  grid-row: 2;
  font-size: 13px;
  color: var(--ink-2);
  line-height: 1.45;
}
.faq-tabs-qrow .caret {
  grid-column: 3;
  grid-row: 1 / span 2;
  align-self: center;
  color: var(--ink-3);
  font-size: 14px;
  transition: color 0.15s ease, transform 0.15s ease;
}
.faq-tabs-qrow.on .caret { color: var(--gold-deep); }

/* Detail panel — the selected question's full answer */
.faq-tabs-detail {
  margin-top: 8px;
  padding-top: 24px;
  border-top: 2px solid var(--gold-deep);
  animation: faqDetailIn 0.25s ease;
}
.faq-tabs-detail .faq-card {
  margin: 0;
}

/* Inline-expanded answer (drops below the clicked question) */
.faq-tabs-qitem { margin: 0; }
.faq-tabs-qitem.on { background: transparent; }
.faq-tabs-qitem.on .faq-tabs-qrow {
  border-bottom: 1px solid rgba(180, 133, 67, 0.35);
  padding-left: 16px;
  padding-right: 16px;
  border-left: 3px solid var(--gold-deep);
  border-right: 0;
  background: rgba(212, 165, 116, 0.18);
}
.faq-tabs-answer {
  padding: 24px 24px 28px 24px;
  border-bottom: 1px solid var(--line);
  border-left: 3px solid var(--gold-deep);
  background: var(--white);
  box-shadow: inset 0 1px 0 rgba(0, 0, 0, 0.03);
  animation: faqDetailIn 0.25s ease;
}
.faq-tabs-answer .faq-card {
  margin: 0;
  border: 0;
  background: transparent;
  padding: 0;
  box-shadow: none;
}
.faq-tabs-answer .faq-card .card-head {
  display: none;
}
@keyframes faqDetailIn {
  from { opacity: 0; transform: translateY(6px); }
  to   { opacity: 1; transform: translateY(0); }
}

@media (max-width: 768px) {
  .faq-tabs-qrow { grid-template-columns: 28px 1fr 14px; column-gap: 12px; padding: 14px 4px; }
  .faq-tabs-qrow .ix { font-size: 18px; }
  .faq-tabs-qrow .q { font-size: 15px; }
  .faq-tabs-qrow .tldr { font-size: 12px; }
}

@media (max-width: 768px) {
  .faq-layout-tabs .faq-tabs-strip { top: 80px; padding: 12px 0; }
  .faq-tab { padding: 8px 14px; font-size: 12px; }
  .faq-tab .ix { display: none; }
}

/* ── FAQ — paw Q-numbers (used in accordion + card layouts) ─ */
.faq-row .row-num,
.faq-card .card-head .num {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  flex-shrink: 0;
  color: var(--gold-deep);
  line-height: 1;
}
.faq-row .row-num .n,
.faq-card .card-head .num .n {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 18px;
  color: var(--gold-deep);
  letter-spacing: 0.02em;
}
.faq-row .row-num svg,
.faq-card .card-head .num svg {
  transform: translateY(-1px);
  opacity: 0.85;
}
.faq-row[open] .row-num svg {
  opacity: 1;
  transform: translateY(-1px) rotate(-8deg);
  transition: transform .25s, opacity .15s;
}

@media (max-width: 768px) {
  .faq-row .row-num,
  .faq-card .card-head .num { gap: 4px; }
  .faq-row .row-num .n,
  .faq-card .card-head .num .n { font-size: 15px; }
  .faq-row .row-num svg,
  .faq-card .card-head .num svg { width: 14px; height: 14px; }
}

/* ── FAQ — paw divider between category sections ──────── */
.faq-paw-divider {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 18px;
  margin: 56px auto;
  max-width: 480px;
  color: var(--gold-deep);
  opacity: 0.8;
}
.faq-paw-divider .ln {
  flex: 1;
  height: 1px;
  background: linear-gradient(90deg, transparent 0%, var(--line) 50%, transparent 100%);
}
.faq-paw-divider svg { flex-shrink: 0; }
.faq-paw-divider .lbl {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 15px;
  letter-spacing: 0.02em;
}
.faq-section-v2.alt + .faq-paw-divider,
.faq-paw-divider + .faq-section-v2.alt { margin-top: 0; margin-bottom: 0; }

/* In the sidebar layout, dividers sit inside the body column - tighten them up */
.faq-sidebar-body > .faq-paw-divider {
  margin: 32px 0;
}

/* ── FAQ — empty-state mascot ─────────────────────────── */
.faq-empty .empty-mascot {
  position: relative;
  display: inline-flex;
  align-items: center;
  gap: 4px;
  margin: 0 0 18px;
  color: var(--teal-deep);
  height: 48px;
}
.faq-empty .empty-mascot svg {
  transform: rotate(-12deg);
}
.faq-empty .empty-mascot-dot {
  display: inline-block;
  width: 6px;
  height: 6px;
  border-radius: 50%;
  background: var(--gold-deep);
  opacity: 0.45;
  animation: emptyDotBob 1.6s ease-in-out infinite;
}
.faq-empty .empty-mascot-dot:nth-child(2) { animation-delay: 0s; }
.faq-empty .empty-mascot-dot:nth-child(3) { animation-delay: 0.18s; opacity: 0.7; }
.faq-empty .empty-mascot-dot:nth-child(4) { animation-delay: 0.36s; opacity: 0.95; transform: scale(1.4); }
@keyframes emptyDotBob {
  0%, 100% { transform: translateY(0) scale(1); }
  50%      { transform: translateY(-4px) scale(1.1); }
}
.faq-empty .empty-mascot-dot:nth-child(4) {
  animation-name: emptyDotPulse;
}
@keyframes emptyDotPulse {
  0%, 100% { transform: scale(1.4); opacity: 0.95; }
  50%      { transform: scale(1.7); opacity: 1; }
}
.faq-empty p em {
  font-style: normal;
  font-weight: 600;
  color: var(--ink);
}

/* ── FAQ — hero badge (dog logo as a circular badge above the meta card) ── */
.faq-hero-card-wrap {
  position: relative;
  display: flex;
  flex-direction: column;
  align-items: stretch;
}
.faq-hero-badge {
  align-self: flex-start;
  margin-left: 14px;
  margin-bottom: -28px;
  width: 88px;
  height: 88px;
  background: var(--cream);
  border-radius: 50%;
  border: 4px solid var(--cream);
  box-shadow: 0 14px 30px -10px rgba(60, 50, 30, 0.28);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  transform: rotate(-8deg);
  z-index: 2;
  transition: transform .35s cubic-bezier(.4, 0, .2, 1);
}
.faq-hero-badge:hover,
.faq-hero-card-wrap:hover .faq-hero-badge {
  transform: rotate(3deg) scale(1.05);
}
.faq-hero-badge img {
  width: 110%;
  height: 110%;
  object-fit: cover;
  display: block;
}
.faq-meta-card {
  position: relative;
  z-index: 1;
  padding-top: 44px;
}

@media (max-width: 1024px) {
  .faq-hero-badge { width: 76px; height: 76px; margin-bottom: -24px; }
  .faq-meta-card { padding-top: 38px; }
}
@media (max-width: 640px) {
  .faq-hero-badge { width: 64px; height: 64px; margin-bottom: -20px; margin-left: 10px; }
  .faq-meta-card { padding-top: 30px; }
}

/* ── FAQ — paw on accordion row hover ──────────────── */
.faq-row summary { position: relative; }
.faq-row .row-hover-paw {
  position: absolute;
  right: 70px;
  top: 50%;
  transform: translateY(-50%) translateX(8px) rotate(8deg);
  color: var(--gold-deep);
  opacity: 0;
  pointer-events: none;
  transition: opacity .25s, transform .3s cubic-bezier(.4, 0, .2, 1);
  display: inline-flex;
}
.faq-row:hover .row-hover-paw {
  opacity: 0.55;
  transform: translateY(-50%) translateX(0) rotate(-6deg);
}
.faq-row[open] .row-hover-paw {
  opacity: 0;
  transform: translateY(-50%) translateX(-8px) rotate(-12deg);
}
@media (max-width: 768px) {
  .faq-row .row-hover-paw { display: none; }
}

/* ── FAQ — category dog-themed icons ───────────────── */
.faq-section-v2 .cat-head .cat-icon,
.faq-sidebar-section .sec-head .cat-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 42px;
  height: 42px;
  border-radius: 12px;
  background: var(--cream-2);
  border: 1px solid var(--line);
  color: var(--teal-deep);
  flex-shrink: 0;
}
.faq-section-v2.alt .cat-head .cat-icon { background: var(--white); }
.faq-section-v2 .cat-head .cat-icon { margin-right: 4px; }
.faq-sidebar-section .sec-head { gap: 14px; align-items: center; }
.faq-sidebar-section .sec-head .cat-icon { width: 38px; height: 38px; border-radius: 10px; }

/* ── FAQ — paw watermark on bottom CTA section ─────── */
.svc-cta { position: relative; overflow: hidden; }
.svc-cta .cta-paw-watermark {
  position: absolute;
  left: -60px;
  bottom: -80px;
  color: var(--gold-deep);
  opacity: 0.06;
  pointer-events: none;
  transform: rotate(-18deg);
  z-index: 0;
  line-height: 0;
}
.svc-cta .wrap { position: relative; z-index: 1; }
@media (max-width: 768px) {
  .svc-cta .cta-paw-watermark svg { width: 220px; height: 220px; }
  .svc-cta .cta-paw-watermark { left: -50px; bottom: -50px; }
}


/* ── shared calculator extras (closing-costs, debt-consolidation, rent-vs-buy, compare-mortgages) ── */
.form-group-title {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 16px;
  color: var(--gold);
  margin: 8px 0 -8px;
  letter-spacing: 0.01em;
}
.calc-out .calc-row .v { color: var(--cream); }
.calc-out .calc-row .k { color: rgba(250, 245, 236, 0.6); }

/* Verdict chip variants used by debt-consolidation, rent-vs-buy, compare-mortgages */
.dc-verdict-chip { min-width: 180px; max-width: 220px; }
.dc-verdict-chip .aff-monthly-chip-value { font-size: 14px; font-style: italic; }
.dc-verdict-chip--good { border-color: rgba(123, 181, 139, 0.4); background: rgba(123, 181, 139, 0.08); }
.dc-verdict-chip--good .aff-monthly-chip-label { color: #9ed1ab; }
.dc-verdict-chip--bad  { border-color: rgba(213, 134, 90, 0.4); background: rgba(213, 134, 90, 0.08); }
.dc-verdict-chip--bad  .aff-monthly-chip-label { color: var(--gold); }

/* Two-column compare summary used by debt-consolidation, rent-vs-buy */
.dc-compare {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
}
.dc-compare-col {
  border: 1px solid rgba(250, 245, 236, 0.1);
  border-radius: 12px;
  padding: 16px;
  background: rgba(250, 245, 236, 0.02);
}
.dc-compare-eyebrow {
  font-family: "Manrope";
  font-size: 10px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
  margin-bottom: 10px;
}
.dc-compare-rows { display: flex; flex-direction: column; }
@media (max-width: 700px) {
  .dc-compare { grid-template-columns: 1fr; }
}

/* ── closing-costs itemized list ──────────────────────────────────────── */
.closing-items {
  display: flex;
  flex-direction: column;
  gap: 12px;
  margin: 4px 0;
}
.closing-item {
  border-left: 2px solid rgba(212, 165, 116, 0.35);
  padding: 4px 0 4px 14px;
}
.closing-item-head {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-size: 14px;
}
.closing-item-k { color: var(--cream); }
.closing-item-v { color: var(--gold); font-family: "Instrument Serif", serif; font-style: italic; font-size: 17px; }
.closing-item-note {
  font-size: 12px;
  color: rgba(250, 245, 236, 0.55);
  margin-top: 4px;
  line-height: 1.5;
}

/* ── debt-consolidation rows ──────────────────────────────────────────── */
.dc-debts { display: flex; flex-direction: column; gap: 12px; }
.dc-debt-row {
  position: relative;
  border: 1px solid rgba(250, 245, 236, 0.1);
  border-radius: 12px;
  padding: 12px 36px 12px 12px;
  background: rgba(250, 245, 236, 0.02);
}
.dc-debt-label {
  width: 100%;
  background: transparent;
  border: 0;
  border-bottom: 1px dashed rgba(250, 245, 236, 0.15);
  padding: 4px 0 8px;
  font-family: "Manrope";
  font-size: 13px;
  color: var(--cream);
  margin-bottom: 10px;
  outline: none;
}
.dc-debt-label::placeholder { color: rgba(250, 245, 236, 0.35); }
.dc-debt-grid {
  display: grid;
  grid-template-columns: 1.2fr 0.8fr 1fr;
  gap: 10px;
}
.dc-debt-field { display: flex; flex-direction: column; gap: 4px; }
.dc-debt-k {
  font-family: "Manrope";
  font-size: 9px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(250, 245, 236, 0.5);
  font-weight: 600;
}
.dc-debt-input {
  display: flex;
  align-items: center;
  gap: 4px;
  background: rgba(250, 245, 236, 0.05);
  border: 1px solid rgba(250, 245, 236, 0.1);
  border-radius: 8px;
  padding: 6px 8px;
}
.dc-debt-input input {
  flex: 1;
  background: transparent;
  border: 0;
  color: var(--cream);
  font-family: "Manrope";
  font-size: 13px;
  outline: none;
  min-width: 0;
  width: 100%;
}
.dc-debt-input .cur, .dc-debt-input .per {
  font-size: 11px;
  color: rgba(250, 245, 236, 0.55);
}
.dc-debt-remove {
  position: absolute;
  top: 8px;
  right: 8px;
  width: 22px;
  height: 22px;
  border-radius: 50%;
  border: 1px solid rgba(250, 245, 236, 0.15);
  background: transparent;
  color: rgba(250, 245, 236, 0.55);
  cursor: pointer;
  font-size: 16px;
  line-height: 1;
  display: flex;
  align-items: center;
  justify-content: center;
}
.dc-debt-remove:hover { background: rgba(212, 165, 116, 0.15); color: var(--gold); }

/* ── rent-vs-buy chart ────────────────────────────────────────────────── */
.rb-chart {
  margin: 8px 0 16px;
}
.rb-chart-head {
  display: flex;
  justify-content: space-between;
  align-items: center;
  margin-bottom: 8px;
  gap: 12px;
}
.rb-legend {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
}
.rb-legend-item {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 11px;
  color: rgba(250, 245, 236, 0.7);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-weight: 600;
}
.rb-dot {
  width: 9px;
  height: 9px;
  border-radius: 50%;
  display: inline-block;
}
.rb-chart-max {
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 13px;
  color: rgba(250, 245, 236, 0.55);
}
.rb-chart-svg {
  width: 100%;
  height: auto;
  display: block;
  background: rgba(250, 245, 236, 0.02);
  border-radius: 10px;
  border: 1px solid rgba(250, 245, 236, 0.08);
}
.rb-chart-note {
  margin-top: 8px;
  font-size: 12px;
  color: rgba(250, 245, 236, 0.6);
  font-style: italic;
  text-align: center;
}

/* ── compare-mortgages scenarios + table ──────────────────────────────── */
.cm-scenarios {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 18px;
  margin-top: 48px;
}
.cm-scenario {
  border: 1px solid rgba(250, 245, 236, 0.12);
  border-radius: 14px;
  padding: 18px;
  background: rgba(250, 245, 236, 0.03);
}
.cm-scenario--gold { border-color: rgba(212, 165, 116, 0.35); background: rgba(212, 165, 116, 0.04); }
.cm-scenario--teal { border-color: rgba(106, 185, 179, 0.35); background: rgba(106, 185, 179, 0.04); }
.cm-scenario-head {
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 14px;
}
.cm-scenario-tag {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: rgba(212, 165, 116, 0.18);
  color: var(--gold);
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 18px;
  font-weight: 500;
}
.cm-scenario--teal .cm-scenario-tag {
  background: rgba(106, 185, 179, 0.18);
  color: #9bd0cc;
}
.cm-scenario-name {
  flex: 1;
  background: transparent;
  border: 0;
  border-bottom: 1px dashed rgba(250, 245, 236, 0.15);
  padding: 4px 0;
  color: var(--cream);
  font-family: "Instrument Serif", serif;
  font-style: italic;
  font-size: 22px;
  outline: none;
}
.cm-scenario-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
}
.cm-mini-field { display: flex; flex-direction: column; gap: 4px; }
.cm-mini-field--wide { grid-column: span 2; }
.cm-mini-field label {
  font-family: "Manrope";
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(250, 245, 236, 0.5);
  font-weight: 600;
  display: block;
}
.cm-mini-input {
  display: flex;
  align-items: center;
  gap: 4px;
  background: rgba(250, 245, 236, 0.05);
  border: 1px solid rgba(250, 245, 236, 0.1);
  border-radius: 8px;
  padding: 8px 10px;
}
.cm-mini-input input {
  flex: 1;
  background: transparent;
  border: 0;
  color: var(--cream);
  font-family: "Manrope";
  font-size: 14px;
  outline: none;
  min-width: 0;
  width: 100%;
}
.cm-mini-input .cur, .cm-mini-input .per {
  font-size: 11px;
  color: rgba(250, 245, 236, 0.55);
}
.cm-shell { grid-template-columns: 1fr; }
.cm-out { width: 100%; }
.cm-bar { margin-bottom: 14px; }
.cm-bar-label {
  font-family: "Manrope";
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(250, 245, 236, 0.55);
  font-weight: 600;
  margin-bottom: 8px;
}
.cm-bar-row {
  display: grid;
  grid-template-columns: 220px 1fr;
  gap: 12px;
  align-items: center;
  padding: 4px 0;
}
.cm-bar-side {
  display: flex;
  justify-content: space-between;
  gap: 8px;
  font-size: 12px;
}
.cm-bar-side-name { color: rgba(250, 245, 236, 0.7); }
.cm-bar-side-val { color: var(--cream); font-family: "Instrument Serif", serif; font-style: italic; font-size: 14px; }
.cm-bar-track {
  height: 12px;
  background: rgba(250, 245, 236, 0.06);
  border-radius: 6px;
  overflow: hidden;
}
.cm-bar-fill {
  height: 100%;
  border-radius: 6px;
  transition: width 0.25s ease;
}

.cm-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 13px;
  margin: 8px 0;
}
.cm-table th, .cm-table td {
  text-align: right;
  padding: 9px 10px;
  border-bottom: 1px solid rgba(250, 245, 236, 0.08);
}
.cm-table th:first-child, .cm-table td:first-child {
  text-align: left;
  color: rgba(250, 245, 236, 0.65);
}
.cm-table thead th {
  font-family: "Manrope";
  font-size: 10px;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  color: rgba(250, 245, 236, 0.5);
  font-weight: 700;
  padding-bottom: 12px;
}
.cm-th-a { color: var(--gold) !important; }
.cm-th-b { color: #9bd0cc !important; }
.cm-table tbody td {
  color: var(--cream);
  font-family: "Manrope";
}
.cm-table-total td {
  border-top: 1px solid rgba(250, 245, 236, 0.18);
  border-bottom: 0;
  padding-top: 12px;
  font-size: 14px;
}

@media (max-width: 900px) {
  .cm-scenarios { grid-template-columns: 1fr; }
  .cm-bar-row { grid-template-columns: 1fr; }
  .cm-bar-side { margin-bottom: 4px; }
  .cm-table { font-size: 11px; }
  .cm-table th, .cm-table td { padding: 6px; }
}

/* ── Rates section ───────────────────────────────────────────── */
.rates-section {
  background: var(--cream);
  padding: 52px 0 56px;
  border-top: 1px solid var(--line);
}
.rates-section .section-head {
  margin-bottom: 24px;
}
@keyframes spin {
  to { transform: rotate(360deg); }
}
@media (max-width: 600px) {
  .dc-debt-grid { grid-template-columns: 1fr; }
}