/* Team Perks draft site, revision 2.
   Layout concept: the reference site's light Squarespace rhythm. Light-gray ground, light header with a thin ink rule,
   very large condensed uppercase headlines in ink with a copper second line, wide photos, serif body,
   copper buttons with softened asymmetrical corners, white cards on gray, light footer.
   Single deliberate light look (colors are set explicitly). */

@font-face{font-family:"Anton";src:url("fonts/anton-latin-400-normal.woff2") format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Merriweather";src:url("fonts/merriweather-latin-300-normal.woff2") format("woff2");font-weight:300;font-display:swap}
@font-face{font-family:"Merriweather";src:url("fonts/merriweather-latin-300-italic.woff2") format("woff2");font-weight:300;font-style:italic;font-display:swap}
@font-face{font-family:"Merriweather";src:url("fonts/merriweather-latin-400-normal.woff2") format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Merriweather";src:url("fonts/merriweather-latin-700-normal.woff2") format("woff2");font-weight:700;font-display:swap}
@font-face{font-family:"Inter Tight";src:url("fonts/inter-tight-latin-400-normal.woff2") format("woff2");font-weight:400;font-display:swap}
@font-face{font-family:"Inter Tight";src:url("fonts/inter-tight-latin-500-normal.woff2") format("woff2");font-weight:500;font-display:swap}
@font-face{font-family:"Inter Tight";src:url("fonts/inter-tight-latin-600-normal.woff2") format("woff2");font-weight:600;font-display:swap}
@font-face{font-family:"Inter Tight";src:url("fonts/inter-tight-latin-700-normal.woff2") format("woff2");font-weight:700;font-display:swap}

:root{
  color-scheme: light;
  --paper:#EAEAEA;      /* reference "white": page + header ground */
  --stone:#CBCBC9;      /* reference light accent band */
  --card:#FFFFFF;       /* cards on gray */
  --ink:#1E1F1B;        /* reference "black": headlines, body, rules */
  --teal:#1A3033;       /* reference dark accent (used sparingly) */
  --copper:#A86150;     /* reference accent: display-size copper lines */
  --copper-fill:#A86150;/* darker warm fill for white button text */
  --copper-tx:#895040;  /* darker warm accent for small text */
  --copper-lt:#DDA08C;  /* copper on teal */
  --muted:#4A4B45;      /* secondary text (7.3:1 on paper) */
  --muted-dk:#C8CCC6;
  --white:#FFFFFF;
  --line:rgba(30,31,27,.22);
  /* Reference headings: Headline Gothic ATF Round (Adobe Fonts, licensed). Free stand-in: Anton (OFL). */
  --display:"Headline Gothic ATF Round","Anton","League Gothic",Impact,"Arial Narrow",sans-serif;
  --body:"Merriweather",Georgia,"Times New Roman",serif;
  --ui:"Inter Tight","Inter","Segoe UI",system-ui,-apple-system,sans-serif;
  --wrap:1360px;
  --gut:max(20px,env(safe-area-inset-left,0px));
  --gut-r:max(20px,env(safe-area-inset-right,0px));
  --pad-y:clamp(56px,7.5vw,112px);
  --r-btn:1.35em .3em 1.35em .3em;   /* softened, asymmetrical button corners */
  --r-card:22px 4px 22px 4px;
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--body);font-weight:300;font-size:17px;line-height:1.8;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--copper-tx);text-underline-offset:3px}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--copper-fill);outline-offset:3px}
p{margin:0;max-width:64ch}
strong,b{font-weight:700}
h1,h2,h3,h4{font-family:var(--display);font-weight:400;text-transform:uppercase;line-height:.95;letter-spacing:.004em;margin:0;text-wrap:balance;color:var(--ink)}
h1{font-size:clamp(3.4rem,8.6vw,8.4rem);line-height:.9}
h2{font-size:clamp(2.6rem,5.8vw,5.6rem)}
h3{font-size:clamp(1.9rem,3.4vw,3rem)}
h4{font-size:clamp(1.35rem,1.9vw,1.75rem);line-height:1.05;letter-spacing:.01em}
.split span{display:block}
.split .b{color:var(--copper)}
.teal .split .b,.teal h2 .b{color:var(--copper-lt)}
.eyebrow{font-family:var(--ui);font-weight:700;font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:var(--copper-tx)}
.lede{font-size:clamp(1.06rem,1.35vw,1.24rem);line-height:1.75}
.small{font-size:14.5px;line-height:1.65}
.skip{position:absolute;left:-999px;top:0;z-index:200;background:var(--white);color:var(--ink);padding:12px 18px;font-family:var(--ui);font-weight:600}
.skip:focus{left:16px;top:16px}

/* bands */
.band{padding-block:var(--pad-y)}
.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-left:var(--gut);padding-right:var(--gut-r)}
.narrow{max-width:980px}
.paper{background:var(--paper)}
.stone{background:var(--stone)}
.stone .eyebrow,.stone a:not(.btn){color:var(--copper-tx)}
.stone p{color:var(--ink)}
.teal{background:var(--teal);color:var(--white)}
.teal h1,.teal h2,.teal h3,.teal h4{color:var(--white)}
.teal p{color:var(--muted-dk)}
.teal .eyebrow,.teal a:not(.btn){color:var(--copper-lt)}
.rule-top{border-top:1px solid var(--line)}
.stack{display:flex;flex-direction:column;gap:22px}
.stack-lg{display:flex;flex-direction:column;gap:44px}
.center{text-align:center;align-items:center}
.center p{margin-inline:auto}
.grid-2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(32px,5.5vw,88px);align-items:center}
.grid-2.top{align-items:start}
.grid-2.wide-l{grid-template-columns:minmax(0,1.25fr) minmax(0,1fr)}
.grid-2.wide-r{grid-template-columns:minmax(0,1fr) minmax(0,1.25fr)}
.grid-3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(24px,3.5vw,48px)}
.grid-4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(22px,3vw,40px)}
.grid-2>*,.grid-3>*,.grid-4>*{min-width:0}

/* draft bar */
.draft-bar{background:var(--ink);color:var(--white);font-family:var(--ui);font-size:12.5px;font-weight:500;letter-spacing:.03em;text-align:center;padding:7px max(16px,env(safe-area-inset-right,0px)) 7px max(16px,env(safe-area-inset-left,0px))}
.draft-bar strong{letter-spacing:.16em;text-transform:uppercase;margin-right:8px;color:var(--copper-lt)}

/* header: light, like the reference */
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:60;background:var(--paper)}
.site-header{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:var(--paper);color:var(--ink);border-bottom:1px solid var(--ink)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:92px}
.lockup{display:flex;align-items:center;gap:16px;text-decoration:none;color:var(--ink);min-width:0;flex:0 1 auto}
.lockup:hover{color:var(--ink)}
.wordmark{font-family:var(--display);font-size:38px;line-height:1;letter-spacing:.02em;white-space:nowrap;display:block}
.wordmark b{font-weight:400;color:var(--copper)}
.lockup .x{font-family:var(--ui);font-weight:500;font-size:20px;color:var(--copper-tx);line-height:1}
.sh-wrap{display:flex;align-items:center;min-width:0}
.sh-logo{height:38px;width:auto;max-width:200px;object-fit:contain}
.on-light{filter:brightness(0);opacity:.9}       /* official white logo rendered as solid ink on light grounds */
.logo-fallback{white-space:nowrap;display:inline-block;font-family:var(--ui);font-weight:700;letter-spacing:.12em;font-size:12px;text-transform:uppercase;color:var(--ink);border:1px solid var(--ink);padding:5px 8px}
.nav-links{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.nav-links a,.nav-links button.dd-btn{font-family:var(--ui);font-weight:500;font-size:15.5px;letter-spacing:.01em;color:var(--ink);text-decoration:none;background:none;border:0;padding:10px 13px;cursor:pointer;display:inline-flex;align-items:center;gap:6px;min-height:44px}
.nav-links a:hover,.nav-links button.dd-btn:hover{color:var(--copper-tx)}
.nav-links a.btn:hover{background:var(--ink);border-color:var(--ink);color:var(--white)}
.nav-links a[aria-current="page"]{color:var(--copper-tx);text-decoration:underline;text-decoration-thickness:2px;text-underline-offset:8px}
.nav-links a.btn{background:var(--copper-fill);border:2px solid var(--copper-fill);border-radius:var(--r-btn);margin-left:10px;padding:13px 24px;font-size:13px;font-weight:700;letter-spacing:.14em;color:var(--white)}
.dd{position:relative}
.dd-menu{position:absolute;right:0;top:calc(100% + 8px);background:var(--card);color:var(--ink);min-width:240px;padding:8px;list-style:none;margin:0;box-shadow:0 18px 40px rgba(30,31,27,.18);border-radius:var(--r-card)}
.dd-menu a{color:var(--ink)!important;display:flex;flex-direction:column;align-items:flex-start;gap:0;padding:10px 12px;line-height:1.3;text-decoration:none!important}
.dd-menu a small{font-weight:400;color:var(--muted);font-size:13px}
.dd-menu a:hover{background:var(--paper)}
.chev{width:10px;height:10px;transition:transform .2s}
.dd-btn[aria-expanded="true"] .chev{transform:rotate(180deg)}
.menu-toggle{display:none;background:none;border:1px solid var(--ink);color:var(--ink);width:48px;height:48px;align-items:center;justify-content:center;cursor:pointer;border-radius:14px 3px 14px 3px;flex:none}
.menu-toggle svg{width:22px;height:22px}

/* buttons: softened asymmetrical corners */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--ui);font-weight:700;font-size:14px;letter-spacing:.14em;text-transform:uppercase;text-decoration:none;padding:17px 34px;min-height:54px;border:2px solid var(--copper-fill);background:var(--copper-fill);color:var(--white)!important;cursor:pointer;transition:background .15s,color .15s,border-color .15s;border-radius:var(--r-btn);line-height:1.1;text-align:center}
.btn:hover{background:var(--ink);border-color:var(--ink);color:var(--white)!important}
.btn.ghost{background:transparent;color:var(--ink)!important;border-color:var(--ink)}
.btn.ghost:hover{background:var(--ink);color:var(--white)!important}
.teal .btn:hover{background:var(--white);border-color:var(--white);color:var(--ink)!important}
.teal .btn.ghost{color:var(--white)!important;border-color:var(--white)}
.teal .btn.ghost:hover{background:var(--white);color:var(--ink)!important}
.btn.sm{padding:12px 22px;min-height:46px;font-size:13px}
.btn-row{display:flex;flex-wrap:wrap;gap:14px}
.center .btn-row{justify-content:center}

/* heroes (light, like the reference) */
.hero{background:var(--paper);padding-block:clamp(40px,5vw,72px) clamp(56px,7vw,104px)}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.15fr);gap:clamp(32px,5vw,80px);align-items:center}
.hero-copy{display:flex;flex-direction:column;gap:26px}
.hero-copy p{color:var(--ink)}
.hero-media img,.hero-media .ph{width:100%;aspect-ratio:6/5;object-fit:cover;object-position:50% 22%;border-radius:var(--r-card)}
.home-hero .wrap{grid-template-columns:minmax(0,.9fr) minmax(0,1.25fr)}
.home-hero h1{font-size:clamp(3.6rem,9.4vw,9.2rem)}
.hero.text-only .wrap{grid-template-columns:minmax(0,1fr)}
.hero.text-only .hero-copy{max-width:1050px}
.page-title{padding-block:clamp(48px,7vw,104px) clamp(32px,4vw,56px)}

/* photo / media placeholders */
.ph{position:relative;display:flex;flex-direction:column;justify-content:flex-end;gap:6px;padding:20px;background:repeating-linear-gradient(135deg,#D6D6D3 0 14px,#CFCFCB 14px 28px);color:var(--ink);aspect-ratio:4/3;width:100%;border:1px solid var(--line);border-radius:var(--r-card)}
.stone .ph{background:repeating-linear-gradient(135deg,#BDBDBA 0 14px,#B6B6B3 14px 28px)}
.ph .tag{align-self:flex-start;font-family:var(--ui);font-weight:700;font-size:11px;letter-spacing:.14em;text-transform:uppercase;background:var(--ink);color:var(--white);padding:5px 9px;border-radius:10px 2px 10px 2px}
.ph .desc{font-family:var(--ui);font-size:14px;line-height:1.45;max-width:38ch}
.ph.wide{aspect-ratio:16/9}.ph.tall{aspect-ratio:4/5}.ph.sq{aspect-ratio:1/1}.ph.pano{aspect-ratio:21/9}
.photo-wide{width:100%;aspect-ratio:16/9;object-fit:cover;border-radius:var(--r-card)}

/* video placeholder */
.video{display:flex;flex-direction:column;gap:14px}
.video-frame{position:relative;aspect-ratio:16/9;width:100%;max-width:100%;background:linear-gradient(160deg,#24383B,var(--teal) 55%,#132326);color:var(--white);display:flex;flex-direction:column;align-items:center;justify-content:center;gap:14px;text-align:center;padding:20px;overflow:hidden;border-radius:var(--r-card)}
.video-frame::after{content:"";position:absolute;inset:0;background:radial-gradient(circle at 72% 18%,rgba(221,160,140,.22),transparent 55%);pointer-events:none}
.play{width:clamp(56px,7vw,84px);height:clamp(56px,7vw,84px);border-radius:50%;background:var(--copper-fill);display:grid;place-items:center;position:relative;z-index:1}
.play svg{width:38%;height:38%;margin-left:8%;fill:var(--white)}
.soon{position:relative;z-index:1;font-family:var(--ui);font-weight:700;font-size:12px;letter-spacing:.16em;text-transform:uppercase;background:var(--copper-lt);color:var(--ink);padding:6px 12px;border-radius:10px 2px 10px 2px}
.video-frame .vt{position:relative;z-index:1;font-family:var(--display);font-size:clamp(1.4rem,2.4vw,2.2rem);line-height:1.02;text-transform:uppercase;max-width:24ch;color:var(--white)}
.tp-box{border-left:3px solid var(--copper);padding:4px 0 4px 16px;font-family:var(--ui)}
.teal .tp-box{border-color:var(--copper-lt)}
.tp-box summary{cursor:pointer;font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase;list-style:none;display:flex;align-items:center;gap:8px;min-height:36px}
.tp-box summary::-webkit-details-marker{display:none}
.tp-box summary::before{content:"+";font-size:18px;width:14px}
.tp-box[open] summary::before{content:"–"}
.tp-box ol{margin:8px 0 4px;padding-left:20px;font-size:15px;line-height:1.55;display:flex;flex-direction:column;gap:5px}
.tp-box .note{font-size:12.5px;color:var(--muted);margin-top:6px}
.teal .tp-box .note{color:var(--muted-dk)}

/* steps, reference-style alternating icon row */
.steps{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:clamp(22px,3vw,44px)}
.steps>*{min-width:0}
.step{display:flex;flex-direction:column;gap:14px;align-items:center;text-align:center}
.step .ico{width:132px;height:132px;border-radius:50%;background:var(--card);display:grid;place-items:center;color:var(--copper-fill)}
.stone .step .ico{background:var(--paper)}
.step .ico svg{width:64px;height:64px}
.step .n{font-family:var(--ui);font-weight:700;font-size:12px;letter-spacing:.18em;color:var(--copper-tx)}
.step p{font-size:15.5px;line-height:1.7}
.steps.zig>.step:nth-child(even){margin-top:72px}
.steps.zig>.step:nth-child(even) .ico{order:3}
.steps.zig>.step:nth-child(even) .n{order:1}
.steps.zig>.step:nth-child(even) h4{order:2}
.steps.zig>.step:nth-child(even) p{order:4}

/* lists */
.ticks{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px 30px;font-family:var(--ui);font-weight:500;font-size:16.5px}
.ticks li{display:flex;gap:12px;align-items:baseline;border-bottom:1px solid var(--line);padding-bottom:11px;min-width:0}
.ticks li::before{content:"";flex:none;width:9px;height:9px;background:var(--copper);border-radius:5px 1px 5px 1px;transform:translateY(-2px)}
.ticks.one{grid-template-columns:minmax(0,1fr)}
.loan-list{list-style:none;margin:0;padding:0;border-top:1px solid var(--ink)}
.loan-list li{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:20px;align-items:baseline;padding:18px 0;border-bottom:1px solid var(--line)}
.loan-list .lt{font-family:var(--display);font-size:clamp(1.7rem,2.8vw,2.5rem);text-transform:uppercase;line-height:1}
.loan-list .ld{font-size:15px;line-height:1.6;color:var(--muted)}

.feature{display:flex;flex-direction:column;gap:14px;background:var(--card);padding:30px;border-radius:var(--r-card)}
.feature .k{font-family:var(--ui);font-weight:700;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--copper-tx)}
.feature p{font-size:15.5px;line-height:1.7}

.callout{background:var(--card);border-radius:var(--r-card);padding:clamp(24px,3vw,36px);display:flex;flex-direction:column;gap:14px}
.callout .k{font-family:var(--ui);font-weight:700;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--copper-tx)}
.callout ul{margin:0;padding-left:20px;display:flex;flex-direction:column;gap:6px;font-size:15.5px;line-height:1.6}

/* talking-point cards (agents page, Kyle's own verbatim points) */
.tp-cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.tp-cards>*{min-width:0}

/* reviews */
.review-ph{border:2px dashed var(--copper);padding:28px;display:flex;flex-direction:column;gap:14px;background:rgba(255,255,255,.55);border-radius:var(--r-card);margin:0}
.review-ph .q{font-family:var(--body);font-style:italic;font-size:1.12rem;line-height:1.6;margin:0}
.review-ph .who{font-family:var(--ui);font-size:13px;letter-spacing:.06em;text-transform:uppercase}
.placeholder-note{display:inline-block;font-family:var(--ui);font-size:11.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;border:1px dashed currentColor;padding:2px 7px;border-radius:8px 2px 8px 2px;color:var(--copper-tx)}
.teal .placeholder-note{color:var(--copper-lt)}

/* facts strip (reference stat row, verified facts only) */
.facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(24px,4vw,56px);text-align:center}
.facts>*{min-width:0}
.fact .big{display:block;font-family:var(--display);font-size:clamp(3rem,6.4vw,5.8rem);line-height:.95;color:var(--ink)}
.fact .lbl{display:block;font-family:var(--ui);font-size:15px;font-weight:500;margin-top:8px}

/* team */
.team-card{display:flex;flex-direction:column;gap:12px}
.team-card img,.team-card .ph{aspect-ratio:4/5;width:100%;object-fit:cover;object-position:top;border-radius:var(--r-card)}
.team-card .role{font-family:var(--ui);font-weight:700;font-size:12.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--copper-tx)}
.team-card p{font-size:15px;line-height:1.6}
.bio-ph{font-family:var(--ui);font-size:13.5px;color:var(--muted);border:1px dashed var(--muted);padding:10px 12px;border-radius:12px 3px 12px 3px}

/* faq */
.faq{border-top:1px solid var(--ink)}
.faq-item{border-bottom:1px solid var(--line)}
.faq-h{margin:0;font-size:inherit;line-height:inherit}
.faq-q{all:unset;box-sizing:border-box;width:100%;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:24px 0;cursor:pointer;font-family:var(--display);font-size:clamp(1.45rem,2.2vw,2rem);text-transform:uppercase;line-height:1.08;color:var(--ink)}
.faq-q:hover{color:var(--copper-tx)}
.faq-q:focus-visible{outline:3px solid var(--copper-fill);outline-offset:2px}
.faq-q .pm{flex:none;width:38px;height:38px;border:2px solid currentColor;display:grid;place-items:center;position:relative;border-radius:14px 3px 14px 3px}
.faq-q .pm::before,.faq-q .pm::after{content:"";position:absolute;width:14px;height:2px;background:currentColor;transition:transform .2s}
.faq-q .pm::after{transform:rotate(90deg)}
.faq-q[aria-expanded="true"] .pm::after{transform:rotate(0)}
.faq-a{padding:0 0 26px;max-width:76ch}
.faq-a p+p{margin-top:12px}

/* contact */
.contact-cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.contact-cards>*{min-width:0}
.c-card{background:var(--card);padding:30px;display:flex;flex-direction:column;gap:10px;border-radius:var(--r-card)}
.c-card .k{font-family:var(--ui);font-weight:700;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--copper-tx)}
.c-card .v{font-family:var(--display);font-size:clamp(1.7rem,2.6vw,2.3rem);line-height:1.05;word-break:break-word}
.c-card .v a{color:var(--ink);text-decoration:none}
.copy-btn{align-self:flex-start;font-family:var(--ui);font-size:13px;font-weight:600;background:none;border:1px solid var(--line);padding:6px 12px;cursor:pointer;min-height:36px;color:var(--ink);border-radius:10px 2px 10px 2px}
.contact-big{font-family:var(--display);font-size:clamp(1.8rem,3.4vw,3rem);line-height:1.08;display:flex;flex-direction:column;gap:4px}
.contact-big a{color:var(--ink);text-decoration:none;word-break:break-word}
.contact-big a:hover{color:var(--copper-tx)}

/* full-width image CTA band (reference: photo + "Get pre-approved" card) */
.cta-photo{position:relative;padding-block:var(--pad-y)}
.cta-photo .bg{position:absolute;inset:0;border-radius:0;aspect-ratio:auto;height:100%;border:0}
.cta-photo .wrap{position:relative;z-index:1}
.cta-photo .ph.bg{justify-content:flex-start;align-items:flex-end;text-align:right;padding:16px max(20px,env(safe-area-inset-right,0px))}
.cta-photo .ph.bg .tag{align-self:flex-end}
.cta-card{background:var(--paper);border-radius:var(--r-card);padding:clamp(28px,4.5vw,64px);max-width:760px;display:flex;flex-direction:column;gap:22px}

.fine{font-family:var(--ui);font-size:13px;line-height:1.65;color:var(--muted);max-width:100ch}

/* footer: light, like the reference */
.site-footer{background:var(--paper);color:var(--ink);font-family:var(--ui);font-size:14.5px;line-height:1.6;padding-block:64px 40px;border-top:1px solid var(--ink)}
.site-footer a{color:var(--ink);text-decoration:none}
.site-footer a:hover{color:var(--copper-tx);text-decoration:underline}
.f-top{display:grid;grid-template-columns:1.5fr repeat(4,minmax(0,1fr));gap:36px;padding-bottom:40px;border-bottom:1px solid var(--line)}
.f-top>*{min-width:0}
.f-top h4{font-family:var(--ui);font-size:12px;font-weight:700;letter-spacing:.16em;color:var(--copper-tx);margin-bottom:12px}
.f-top ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}
.f-brand{display:flex;flex-direction:column;gap:16px}
.site-footer .lockup{flex-wrap:wrap;row-gap:10px}
.site-footer .wordmark{font-size:34px}
.site-footer .sh-logo{height:34px}
.f-legal{padding-top:28px;display:flex;flex-direction:column;gap:10px;font-size:12.5px;line-height:1.65;color:var(--muted)}
.f-legal p{max-width:120ch}
.ehl{display:flex;align-items:center;gap:12px;font-weight:600}
.ehl img{height:42px;width:auto}

/* dialog */
dialog.apply{border:0;padding:0;max-width:min(580px,calc(100vw - 32px));width:100%;background:var(--paper);color:var(--ink);border-radius:var(--r-card)}
dialog.apply::backdrop{background:rgba(30,31,27,.6)}
.apply-in{position:relative;padding:clamp(24px,4vw,44px);display:flex;flex-direction:column;gap:18px}
.apply-in .x{position:absolute;top:10px;right:10px;width:44px;height:44px;background:none;border:0;font-size:30px;line-height:1;cursor:pointer;color:var(--ink)}

.contact-line{display:flex;flex-wrap:wrap;gap:10px 26px;font-family:var(--ui);font-weight:600}
.contact-line a{color:var(--ink)}

/* responsive */
@media (max-width:1180px){
  .nav-links a,.nav-links button.dd-btn{padding:10px 9px;font-size:14.5px}
  .nav-links a.btn{padding:12px 16px;margin-left:4px}
  .wordmark{font-size:32px}.sh-logo{height:32px}
  .f-top{grid-template-columns:repeat(3,minmax(0,1fr))}
  .f-brand{grid-column:1/-1}
}
@media (max-width:1000px){
  .steps{grid-template-columns:repeat(2,minmax(0,1fr))}
  .steps.zig>.step:nth-child(even){margin-top:0}
  .steps.zig>.step:nth-child(even) .ico{order:0}.steps.zig>.step:nth-child(even) .n{order:0}.steps.zig>.step:nth-child(even) h4{order:0}.steps.zig>.step:nth-child(even) p{order:0}
  .grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (max-width:920px){
  .menu-toggle{display:inline-flex}
  .nav-wrap{position:fixed;inset:calc(92px + env(safe-area-inset-top,0px)) 0 0 0;background:var(--paper);padding:20px max(20px,env(safe-area-inset-right,0px)) calc(32px + env(safe-area-inset-bottom,0px)) max(20px,env(safe-area-inset-left,0px));overflow-y:auto;display:none;border-top:1px solid var(--ink)}
  .nav-wrap.open{display:block}
  .nav-links{flex-direction:column;align-items:stretch;gap:0}
  .nav-links>li{border-bottom:1px solid var(--line)}
  .nav-links a,.nav-links button.dd-btn{font-family:var(--display);font-size:2.3rem;font-weight:400;text-transform:uppercase;padding:14px 0;width:100%;justify-content:space-between}
  .nav-links a[aria-current="page"]{text-decoration:none}
  .dd-menu{position:static;box-shadow:none;background:transparent;padding:0 0 12px;border-radius:0}
  .dd-menu a{font-family:var(--ui)!important;font-size:17px!important;text-transform:none!important;padding:10px 0!important}
  .dd-menu a:hover{background:transparent}
  .nav-links .nav-cta{border:0;padding-top:22px}
  .nav-links .nav-cta .btn{width:100%;font-family:var(--ui);font-size:15px;margin-left:0;padding:17px}
  .grid-2,.grid-2.wide-l,.grid-2.wide-r,.grid-3{grid-template-columns:minmax(0,1fr)}
  .hero .wrap,.home-hero .wrap{grid-template-columns:minmax(0,1fr)}
  .contact-cards{grid-template-columns:minmax(0,1fr)}
  .order-first-m{order:-1}
  .tp-cards{grid-template-columns:minmax(0,1fr)}
  .facts{grid-template-columns:minmax(0,1fr)}
}
@media (max-width:600px){
  body{font-size:16px}
  .nav{min-height:76px;gap:12px}
  .nav-wrap{inset:calc(76px + env(safe-area-inset-top,0px)) 0 0 0}
  .wordmark{font-size:26px}
  .sh-logo{height:26px;max-width:120px}
  .lockup{gap:9px}.lockup .x{font-size:15px}
  .logo-fallback{font-size:9px;padding:3px 5px;letter-spacing:.06em}
  .steps,.grid-4{grid-template-columns:minmax(0,1fr)}
  .ticks{grid-template-columns:minmax(0,1fr)}
  .f-top{grid-template-columns:minmax(0,1fr)}
  .btn{padding:16px 24px;letter-spacing:.11em}
  .loan-list li{grid-template-columns:minmax(0,1fr);gap:4px}
  .feature,.callout,.c-card{padding:24px}
}
@media (max-width:370px){
  .wordmark{font-size:22px}
  .sh-logo{height:21px;max-width:96px}
  .lockup{gap:7px}
}

/* ===== Patch r2b: reference header height + dark full-bleed split heroes (Homebuyers = teal, Agents = ink) ===== */
.nav{min-height:88px}
.page-homebuyers .hero{background:var(--teal)}
.page-agents .hero{background:var(--ink)}
.page-homebuyers .hero,.page-agents .hero{padding-block:0;color:var(--paper)}
.page-homebuyers .hero .wrap,.page-agents .hero .wrap{max-width:none;padding:0;gap:0;grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:stretch}
.page-homebuyers .hero-copy,.page-agents .hero-copy{justify-content:center;padding:clamp(56px,7vw,112px) clamp(24px,4vw,64px) clamp(56px,7vw,112px) max(4vw,env(safe-area-inset-left,0px),20px)}
.page-homebuyers .hero h1,.page-agents .hero h1,
.page-homebuyers .hero .split .a,.page-homebuyers .hero .split .b,
.page-agents .hero .split .a,.page-agents .hero .split .b{color:var(--copper-lt)}              /* 6.1:1 on teal, 7.3:1 on ink */
.page-homebuyers .hero-copy p,.page-agents .hero-copy p{color:var(--paper)}                     /* 11.6:1 / 13.8:1 */
.page-homebuyers .hero-media,.page-agents .hero-media{position:relative;min-height:clamp(380px,44vw,680px)}
.page-homebuyers .hero-media>img,.page-agents .hero-media>img,
.page-homebuyers .hero-media>.ph,.page-agents .hero-media>.ph{position:absolute;inset:0;width:100%;height:100%;aspect-ratio:auto;object-fit:cover;border-radius:0;border:0}
.page-homebuyers .hero .ph,.page-agents .hero .ph{background:repeating-linear-gradient(135deg,#2C3F42 0 14px,#26393C 14px 28px);color:var(--paper)}
.page-agents .hero .ph{background:repeating-linear-gradient(135deg,#2A2C26 0 14px,#25271F 14px 28px)}
.page-homebuyers .hero .ph .tag,.page-agents .hero .ph .tag{background:var(--copper-lt);color:var(--ink)}
.page-homebuyers .hero .review-ph,.page-agents .hero .review-ph{background:rgba(255,255,255,.05);border-color:var(--copper-lt);color:var(--paper)}
.page-homebuyers .hero .placeholder-note,.page-agents .hero .placeholder-note{color:var(--copper-lt)}
.page-homebuyers .hero .btn:hover,.page-agents .hero .btn:hover{background:var(--white);border-color:var(--white);color:var(--ink)!important}
.page-homebuyers .hero .btn.ghost,.page-agents .hero .btn.ghost{background:transparent;color:var(--white)!important;border-color:var(--white)}
.page-homebuyers .hero .btn.ghost:hover,.page-agents .hero .btn.ghost:hover{background:var(--white);color:var(--ink)!important}
.page-homebuyers .hero :focus-visible,.page-agents .hero :focus-visible{outline-color:var(--copper-lt)}
@media (max-width:920px){
  .page-homebuyers .hero .wrap,.page-agents .hero .wrap{grid-template-columns:minmax(0,1fr)}
  .page-homebuyers .hero-copy,.page-agents .hero-copy{padding:48px max(20px,env(safe-area-inset-right,0px)) 48px max(20px,env(safe-area-inset-left,0px))}
  .page-homebuyers .hero-media,.page-agents .hero-media{min-height:0;aspect-ratio:4/3}
}
@media (max-width:600px){ .nav{min-height:76px} }
/* ===== end patch r2b ===== */

/* ===== Patch r2c: balanced header lockup + condensed uppercase nav ===== */
.site-header .nav{min-height:88px}
.site-header .lockup{gap:14px;align-items:center}
.site-header .wordmark{font-size:31.5px;line-height:1}
.site-header .lockup .x{font-size:20px}
.site-header .sh-logo{width:140px;height:auto;max-width:none;max-height:72px;object-fit:contain}
.site-header .nav-links a,
.site-header .nav-links button.dd-btn{font-family:var(--display);font-weight:400;font-size:18px;letter-spacing:.05em;text-transform:uppercase;line-height:1}
.site-header .nav-links a.btn{font-family:var(--display);font-weight:400;font-size:17px;letter-spacing:.08em;padding:14px 24px}
.site-header .dd-menu a{font-family:var(--display);font-size:18px;letter-spacing:.05em;text-transform:uppercase;gap:4px}
.site-header .dd-menu a small{font-family:var(--ui);font-weight:500;font-size:13.5px;letter-spacing:0;text-transform:none;line-height:1.35;color:var(--muted)}
@media (max-width:1180px){
  .site-header .wordmark{font-size:26px}
  .site-header .sh-logo{width:116px;max-height:60px}
  .site-header .lockup{gap:10px}
  .site-header .nav-links a,.site-header .nav-links button.dd-btn{font-size:16.5px;padding:10px 8px}
  .site-header .nav-links a.btn{font-size:15.5px;padding:12px 16px}
}
@media (max-width:920px){
  .site-header .wordmark{font-size:26px}
  .site-header .sh-logo{width:116px;max-height:58px}
  .site-header .nav-links a,.site-header .nav-links button.dd-btn{font-size:2.3rem;padding:14px 0;letter-spacing:.02em}
  .site-header .nav-links .nav-cta a.btn{font-size:20px;padding:17px;letter-spacing:.08em}
  .site-header .dd-menu a{font-size:20px!important;text-transform:uppercase!important;font-family:var(--display)!important}
  .site-header .dd-menu a small{font-size:14.5px}
}
@media (max-width:600px){
  .site-header .nav{min-height:76px}
  .site-header .wordmark{font-size:24px}
  .site-header .sh-logo{width:104px;max-height:52px}
  .site-header .lockup{gap:8px}
  .site-header .lockup .x{font-size:15px}
}
@media (max-width:370px){
  .site-header .wordmark{font-size:20.5px}
  .site-header .sh-logo{width:86px;max-height:43px}
  .site-header .lockup{gap:6px}
  .site-header .lockup .x{font-size:13px}
}
/* ===== end patch r2c ===== */

/* ===== Patch r2d: About photo-backdrop hero, Watch centered hero + teal galleries ===== */
/* About: full-width photo band, centered title over it, intro centered below */
.page-about .hero{padding-block:0 clamp(40px,5vw,72px)}
.page-about .hero .wrap{max-width:none;padding:0;display:grid;grid-template-columns:minmax(0,1fr);gap:0;justify-items:center}
.page-about .hero-copy{display:contents}
.page-about .hero-media{grid-area:1/1;width:100%;min-height:clamp(340px,40vw,600px);position:relative}
.page-about .hero-media>.ph,.page-about .hero-media>img{position:absolute;inset:0;width:100%;height:100%;aspect-ratio:auto;border-radius:0;border:0;object-fit:cover}
.page-about .hero-media>.ph{justify-content:flex-start}           /* label sits top-left, clear of the title */
.page-about .hero h1{grid-area:1/1;align-self:center;z-index:1;text-align:center;color:var(--ink);background:rgba(234,234,234,.86);padding:.12em .3em .08em;border-radius:var(--r-card);margin:clamp(64px,7vw,96px) max(20px,env(safe-area-inset-right,0px)) clamp(40px,5vw,72px) max(20px,env(safe-area-inset-left,0px));max-width:min(1100px,calc(100% - 40px))}
.page-about .hero h1 .a{color:var(--ink)}
.page-about .hero h1 .b{color:var(--copper)}
.page-about .hero-copy>p{grid-area:2/1;text-align:center;margin:clamp(28px,3.5vw,44px) auto 0;max-width:62ch;padding-inline:max(20px,env(safe-area-inset-left,0px)) max(20px,env(safe-area-inset-right,0px))}

/* Watch: light centered title first, then intro and jump links */
.page-watch .hero-copy{align-items:center;text-align:center;margin-inline:auto}
.page-watch .hero-copy p{margin-inline:auto}
.page-watch .hero .btn-row{justify-content:center}
/* Watch: dark teal video galleries with copper headings */
.page-watch .band.teal+.band.teal{border-top:1px solid rgba(255,255,255,.12)}
.page-watch .band.teal h2{color:var(--copper-lt)}
.page-watch .band.teal .tp-box summary{color:var(--white)}
.page-watch .band.teal .tp-box ol{color:var(--muted-dk)}
@media (max-width:600px){ .page-about .hero h1{margin-top:92px} }
/* ===== end patch r2d ===== */
/* Final visual review: interior heroes follow the reference's smaller title scale. */
.page-homebuyers .hero h1{font-size:clamp(2.4rem,3.2vw,3rem);line-height:1.35}
.page-agents .hero h1{font-size:clamp(2.8rem,4.2vw,4rem);line-height:1.3}
.page-about .hero h1{font-size:clamp(2.5rem,4.2vw,4rem);line-height:1.3;background:none;max-width:900px}
.page-about .hero h1 .b,.page-watch .hero h1 .b{color:var(--ink)}
.page-watch .hero h1{font-size:clamp(3rem,5.8vw,5.5rem);line-height:1.1}
.site-footer .sh-logo{width:130px;height:auto;max-height:66px}
.home-hero .certainty-line{font-family:var(--display);font-size:clamp(1.7rem,2.8vw,2.6rem);line-height:1.2;text-transform:uppercase;color:var(--copper);margin:0}

/* Real photographic placeholders: display crops only; original faces unchanged. */
.real-solo{width:100%;aspect-ratio:4/5;position:relative;overflow:hidden;border-radius:var(--r-card);background:var(--stone)}
.real-solo img,.hero-media .real-solo img,.team-card .real-solo img{position:absolute;width:350%;max-width:none;height:auto;aspect-ratio:auto;left:-164%;top:-144%;object-fit:initial;border-radius:0}
.real-family{margin:0}
.real-family img{display:block;width:100%;height:auto;border-radius:var(--r-card)}
.real-family figcaption{font-size:14px;margin-top:10px}
.company-gallery{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:28px}
.company-gallery.compact{grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.company-gallery figure{margin:0;min-width:0}
.company-gallery img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:top;border-radius:var(--r-card)}
.company-gallery figcaption{font-family:var(--ui);font-size:15px;font-weight:700;margin-top:8px}
.company-gallery.compact figcaption{font-size:12px}
.blog-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:32px}
.blog-card{padding:30px;border:1px solid var(--line);border-radius:var(--r-card);display:flex;flex-direction:column;align-items:flex-start;gap:18px}
.blog-card h2{font-size:clamp(1.7rem,2.5vw,2.5rem);line-height:1.2}
.blog-card h2 a{text-decoration:none}
.blog-card .btn{margin-top:auto}
.article-body{max-width:850px;overflow-wrap:anywhere}
.article-body h1{font-size:clamp(2.2rem,4.5vw,4rem);line-height:1.15;margin:28px 0}
.article-body h2{font-size:clamp(1.7rem,3vw,2.5rem);line-height:1.25;margin:40px 0 18px}
.article-body h3{font-size:1.5rem;margin:28px 0 16px}
.article-body p,.article-body ul,.article-body ol{margin:18px 0;line-height:1.8}
.article-body li{margin:8px 0}
.article-body ul,.article-body ol{padding-left:26px}
.article-body table{display:block;overflow-x:auto;border-collapse:collapse;width:100%;margin:24px 0;font-size:15px}
.article-body td,.article-body th{padding:12px;border:1px solid #ccc;text-align:left}
.article-body .callout{padding:20px;background:var(--stone);border-radius:var(--r-card)}
.article-body .article-source{font-size:14px;border-top:1px solid #ccc;padding-top:24px;margin-top:40px}
@media(max-width:600px){.company-gallery{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}.blog-grid{grid-template-columns:1fr}.blog-card{padding:22px}}

/* Small licensing line beneath the Team Perks wordmark. */
.brand-name{display:flex;flex-direction:column;align-items:flex-start;gap:3px}
.brand-nmls{font-family:Arial,sans-serif;font-size:9px;font-weight:400;line-height:1.1;letter-spacing:.04em;white-space:nowrap}

.review-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
.client-review{margin:0;padding:clamp(28px,4vw,52px);background:#f7f5ef;color:var(--ink);border:0;border-radius:24px;display:flex;flex-direction:column;align-items:flex-start}
.client-review .review-excerpt{font-family:var(--display);font-size:clamp(27px,3vw,42px);font-weight:400;line-height:1.3;text-transform:uppercase;color:var(--copper);margin:0 0 30px;max-width:20ch}
.client-review figcaption{margin-top:auto;display:flex;flex-direction:column;gap:5px;font-family:var(--ui);font-size:14px;line-height:1.4}
.client-review figcaption strong{font-size:16px}
.client-review figcaption span{opacity:.75}
.review-full{margin-top:22px;width:100%;font-size:14px;line-height:1.65}
.review-full summary{font-family:var(--ui);font-size:12px;letter-spacing:.04em;text-transform:uppercase;cursor:pointer;text-decoration:underline;text-underline-offset:5px;padding:5px 0}
.review-full p{font-size:15px;margin:20px 0 12px}
.review-full a{font-family:var(--ui);font-size:12px;color:inherit}
.review-grid .client-review:nth-child(-n+2){background:#193539;color:#f5f1e8}
.review-grid .client-review:nth-child(-n+2) .review-excerpt{color:#DDA08C}
.page-homebuyers .hero .client-review{background:transparent;color:#f5f1e8;padding:20px 0 0}
.page-homebuyers .hero .client-review .review-excerpt{color:#DDA08C;font-size:clamp(28px,3vw,42px)}
.page-kyle .certainty-line{font-family:var(--display);text-transform:uppercase;color:var(--copper);font-size:clamp(24px,2.8vw,36px);line-height:1.2;margin:0}
.kyle-name{font-family:var(--ui);font-weight:600;font-size:18px;margin:0}
@media(max-width:700px){.review-grid{grid-template-columns:1fr}.client-review{padding:30px}.client-review .review-excerpt{max-width:100%}}

/* Final photography and readable overlays. */
.stock-photo{display:block;width:100%;object-fit:cover;border-radius:var(--r-card)}
.stock-photo.wide{aspect-ratio:4/3;object-position:center}
.stock-photo.tall{aspect-ratio:4/5}
.cta-photo>.stock-photo.bg{width:100%;object-fit:cover;object-position:center}
.cta-photo::after{content:"";position:absolute;inset:0;background:rgba(7,23,26,.24);pointer-events:none}
.page-about .hero-media::after{content:"";position:absolute;inset:0;background:rgba(7,23,26,.65)}
.page-about .hero-copy{position:relative;z-index:2;color:#fff}
.page-about .hero-copy .split .a{color:#fff}
.page-about .hero-copy .split .b{color:#DDA08C}
.page-homebuyers .hero-media>.family-stock{object-position:50% 53%}
.video-frame .soon{position:static}

.page-about .hero h1{background:transparent}
.page-about .hero-copy>p{color:var(--ink)}

/* Aligned process cards: no alternating positions or decorative icons. */
.steps{gap:18px;align-items:stretch}
.step{align-items:flex-start;text-align:left;gap:18px;padding:28px 24px;background:var(--paper);border-radius:20px;border-top:4px solid var(--copper)}
.step .n{color:var(--copper);font-size:12px;letter-spacing:.12em}
.step h4{margin:0;font-size:clamp(24px,2.2vw,30px);line-height:1.2}
.step p{margin:0;font-size:15px;line-height:1.6}

.blog-card{padding:0;overflow:hidden;background:var(--card);gap:0;border:0;border-radius:22px;box-shadow:0 8px 24px rgba(24,52,40,.06)}
.blog-cover-link{display:block;width:100%;overflow:hidden}
.blog-cover{width:100%;height:auto;aspect-ratio:16/10;object-fit:cover;transition:transform .25s ease}
.blog-cover-link:hover .blog-cover{transform:scale(1.025)}
.blog-card h2,.blog-card p{margin:22px 26px 0}
.blog-card p{font-size:16px;line-height:1.6}
.blog-card .btn{margin:24px 26px 28px}
.article-cover{margin:26px 0 34px}
.article-cover img{width:100%;aspect-ratio:16/8;object-fit:cover;border-radius:20px}
.article-cover figcaption{font-family:var(--ui);font-size:12px;color:var(--muted);margin-top:8px}
.guide-byline{font-family:var(--ui);font-size:13px;color:var(--muted)}
.guide-next{padding:24px 28px;background:var(--stone);border-radius:18px;margin:34px 0}
.article-body .guide-next h2{margin-top:0}
@media(prefers-reduced-motion:reduce){.blog-cover{transition:none}}

/* Give the homepage portrait breathing room. */
.home-hero .hero-media{width:100%;max-width:460px;justify-self:center}
@media(max-width:600px){.home-hero .hero-media{max-width:340px}}

/* Open testimonial layout: prominent quotes, small attributions, direct Google links. */
.reviews-heading{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.review-grid{gap:0 64px}
.review-grid .client-review,.review-grid .client-review:nth-child(-n+2){background:transparent;color:var(--ink);border-radius:0;border-top:1px solid #c8c5c1;padding:36px 0;gap:0}
.review-grid .client-review .review-excerpt,.review-grid .client-review:nth-child(-n+2) .review-excerpt{color:var(--copper);font-size:clamp(25px,2.5vw,36px);line-height:1.25;max-width:none;margin-bottom:24px}
.review-google{font-family:var(--ui);font-size:12px;text-transform:uppercase;letter-spacing:.04em;margin-top:20px;text-underline-offset:5px}
.page-homebuyers .hero .review-google{color:var(--copper-lt)}
@media(max-width:700px){.review-grid{gap:0}.reviews-heading{align-items:flex-start;flex-direction:column}}

.reviews-action{display:flex;justify-content:center;width:100%;padding-top:12px}

/* Clear page roles, using the original site's loan grid and numbered buyer guidance. */
.loan-options{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:36px}
.loan-options article,.service-perks article{border-top:1px solid #aaa8a3;padding-top:24px}
.loan-options h3,.service-perks h3,.buyer-checklist h3{font-size:clamp(24px,2.5vw,34px);line-height:1.2;margin:12px 0}
.loan-options p,.service-perks p,.buyer-checklist p{font-size:17px;line-height:1.6;margin:12px 0}
.loan-options a{display:inline-block;margin-top:10px;font-family:var(--ui);font-size:13px}
.option-number,.buyer-checklist span{font-family:var(--ui);color:var(--copper-tx);font-size:13px;letter-spacing:.1em}
.buyer-checklist{padding:32px;background:var(--stone);border-radius:24px;display:grid;gap:24px}
.buyer-checklist>div+div{border-top:1px solid #aaa8a3;padding-top:24px}
.service-perks{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:36px}
.buyer-close{max-width:900px;margin-inline:auto}.buyer-close .btn-row{justify-content:center}
#reviews{scroll-margin-top:110px}
#reviews .reviews-action{display:block!important;width:100%!important;align-self:stretch;text-align:center!important;grid-column:1/-1}
#reviews .reviews-action>.btn{display:inline-flex;margin-inline:auto}
@media(max-width:700px){.loan-options,.service-perks{grid-template-columns:1fr;gap:28px}.buyer-checklist{padding:24px}}

/* ===== 2026-10-28 finishing pass: new sections, guides, calculator, page transition ===== */
/* Four steps: one fine-line icon set joined by a thin rule, on Home and Homebuyers. */
.step-mark{display:grid;place-items:center;flex:none;width:58px;height:58px;border-radius:50%;background:var(--paper);border:1px solid rgba(168,97,80,.5);color:var(--copper-tx);box-shadow:0 0 0 6px rgba(168,97,80,.07)}
.step-mark svg{width:26px;height:26px;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round}
.win-steps{position:relative;list-style:none;margin:8px 0 6px;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px}
.win-steps::before{content:"";position:absolute;top:29px;left:12.5%;right:12.5%;height:1px;background:rgba(168,97,80,.45)}
.win-steps li{position:relative;display:flex;flex-direction:column;align-items:center;text-align:center;gap:4px;min-width:0}
.win-steps .step-mark{margin-bottom:8px}
.win-steps .step-n{font-family:var(--ui);font-weight:700;font-size:12px;letter-spacing:.16em;color:var(--copper-tx)}
.win-steps .step-l{font-family:var(--ui);font-weight:600;font-size:15px;line-height:1.3;color:var(--ink)}
.steps{position:relative}
.steps::before{content:"";position:absolute;left:0;right:0;top:61px;height:1px;background:rgba(168,97,80,.45)}
.steps>.step{position:relative;z-index:1}
.steps .step-mark{background:var(--card)}
.band p.reach-line{font-family:var(--ui);font-weight:600;font-size:15px;line-height:1.5;color:var(--copper-tx)}
.family-figure{margin:0}
.family-figure img{display:block;width:100%;height:auto;border-radius:var(--r-card)}
.family-figure figcaption{font-family:var(--ui);font-size:13px;color:var(--muted);margin-top:10px}
.reach-note{display:flex;gap:16px;align-items:flex-start;background:var(--paper);border-radius:var(--r-card);padding:18px 20px}
.reach-note .step-mark{width:46px;height:46px;background:var(--card);box-shadow:none}
.reach-note .step-mark svg{width:22px;height:22px}
.reach-note h4{font-size:clamp(20px,2vw,26px);line-height:1.1;margin:2px 0 6px}
.reach-note p{margin:0;font-size:15.5px;line-height:1.6}
.loan-options.four{grid-template-columns:repeat(4,minmax(0,1fr))}
.strategy-note{font-family:var(--ui);font-size:14.5px;line-height:1.6;max-width:820px;margin:0}
.cpa-strip{display:flex;gap:24px;align-items:center;justify-content:space-between;background:var(--card);border-radius:var(--r-card);padding:clamp(22px,3vw,34px);margin-top:12px}
.cpa-strip h3{font-size:clamp(24px,2.5vw,34px);line-height:1.15;margin:0}
.cpa-strip p{margin:10px 0 0;max-width:720px;font-size:16.5px;line-height:1.65}
.cpa-strip .btn{flex:none}
.page-kyle h1.kyle-name{font-family:var(--ui);font-weight:600;font-size:18px;line-height:1.3;text-transform:none;letter-spacing:0;margin:0}
.page-kyle .tagline{font-family:var(--display);text-transform:uppercase;font-size:clamp(3.4rem,8.6vw,8.4rem);line-height:.9;letter-spacing:.004em;margin:0;color:var(--ink)}
.quick-facts{background:var(--card);border-radius:var(--r-card);padding:clamp(24px,3vw,36px)}
.quick-facts h3{font-size:clamp(24px,2.4vw,32px);margin:0 0 14px}
.quick-facts dl{margin:0;display:grid;grid-template-columns:max-content minmax(0,1fr);gap:10px 18px;font-size:15.5px;line-height:1.55}
.quick-facts dt{font-family:var(--ui);font-weight:700;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--copper-tx);padding-top:3px}
.quick-facts dd{margin:0}
.crumbs{font-family:var(--ui);font-size:13px;color:var(--muted);display:flex;flex-wrap:wrap;gap:6px}
.crumbs a{color:var(--copper-tx)}
.guide-byline a{color:var(--copper-tx)}
.guide-label{font-family:var(--ui);font-weight:700;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--copper-tx);margin:0 0 6px}
.guide-short{background:var(--card);border-radius:20px;padding:clamp(22px,3vw,36px);margin:30px 0 10px}
.guide-short section h2{font-size:clamp(1.35rem,2.2vw,1.8rem);margin:22px 0 8px}
.guide-short section:first-of-type h2{margin-top:10px}
.guide-short p{margin:8px 0}
.guide-full{margin-top:46px}
.article-body .guide-full-title{font-size:clamp(2rem,3.6vw,3.1rem);line-height:1.1;margin:4px 0 18px;text-transform:none}
.article-body .pillar-cta{padding:24px 28px;background:var(--stone);border-radius:18px;margin:34px 0}
.article-body .pillar-cta h3{margin-top:0}
.card-tag{font-family:var(--ui);font-weight:700;font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--copper-tx)}
.calc-frame{display:block;width:100%;min-height:1100px;border:0;border-radius:var(--r-card);background:var(--paper)}
.calc-note{margin:14px 0 0}
.page-simple .capture-form{display:flex;flex-wrap:wrap;gap:12px;align-items:flex-end;margin:24px 0}
.page-simple .capture-form label{font-family:var(--ui);font-weight:600;display:flex;flex-direction:column;gap:6px}
.page-simple .capture-form input[type=email]{font:inherit;padding:12px 14px;border:1px solid var(--line);border-radius:10px;min-width:min(320px,100%)}
.page-simple .capture-form [name=bot-field],.page-simple .capture-form .hp{position:absolute;left:-9999px}
.page-simple .capture-form button{font-family:var(--ui);font-weight:700;background:var(--copper);color:#fff;border:0;border-radius:var(--r-btn);padding:14px 26px;cursor:pointer}
@media(max-width:900px){.win-steps,.loan-options.four{grid-template-columns:repeat(2,minmax(0,1fr))}.win-steps{row-gap:24px}.win-steps::before,.steps::before{display:none}.cpa-strip{flex-direction:column;align-items:flex-start}}
@media(max-width:600px){.reach-note{flex-direction:column;gap:10px}.loan-options.four{grid-template-columns:minmax(0,1fr)}.quick-facts dl{grid-template-columns:minmax(0,1fr)}.quick-facts dd{margin-bottom:6px}}

/* One page transition: the next page opens as a circle from the spot you clicked.
   Visitors who ask their device for less motion get the browser's short cross-fade instead. */
@view-transition{navigation:auto}
@media (prefers-reduced-motion:no-preference){
 ::view-transition-old(root){animation:tp-recede .62s cubic-bezier(.7,0,.3,1) both}
 ::view-transition-new(root){animation:tp-reveal .62s cubic-bezier(.7,0,.3,1) both}
}
@keyframes tp-reveal{from{clip-path:circle(0% at var(--tp-x,50%) var(--tp-y,40%))}to{clip-path:circle(150% at var(--tp-x,50%) var(--tp-y,40%))}}
@keyframes tp-recede{to{transform:scale(.97);filter:brightness(.82)}}