/* Kristina Lends — private client edition
   Palette and type live in :root. Minimum text size is 12px on every screen. */
:root{
  --midnight:#0f1f2a;
  --navy:#162e3d;
  --navy-2:#1d3a4b;
  --ivory:#f7f3ec;
  --paper:#fcfaf6;
  --stone:#ece6da;
  --champagne:#c9a86e;
  --champagne-soft:#e4d2ad;
  --gold:#8a6737;
  --ink:#1b2a33;
  --muted:#586368;
  --muted-light:#b9c2c4;
  --line:#ddd4c3;
  --line-dark:rgba(247,243,236,.16);
  --serif:'Cormorant Garamond','Cormorant','Hoefler Text','Baskerville','Garamond',Georgia,serif;
  --sans:'Jost','Futura','Avenir Next','Avenir','Helvetica Neue',Arial,sans-serif;
  --container:1240px;
  --ease:cubic-bezier(.2,.65,.25,1);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--ivory);color:var(--ink);font-family:var(--sans);font-weight:400;font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}
body.modal-open{overflow:hidden}
button,input,textarea,select{font:inherit;color:inherit}
h1,h2,h3,p,figure,blockquote,ol,ul,dl,dd{margin:0}
ol,ul{padding:0;list-style:none}
h1,h2,h3,blockquote{font-family:var(--serif);font-weight:400}
h1 em,h2 em,h3 em,blockquote em,.hero-note em,.personal-card-quote em{font-style:italic;font-weight:400;color:var(--gold)}
h2{font-size:clamp(40px,4.6vw,64px);line-height:1.04;letter-spacing:-.01em;font-weight:300}
h3{font-size:clamp(24px,2vw,28px);line-height:1.2}
a{color:inherit;text-decoration:none}
button{cursor:pointer;border:0;background:none}
img{display:block;max-width:100%;height:auto}
svg{display:block}
::selection{background:var(--champagne-soft);color:var(--midnight)}
:focus-visible{outline:2px solid var(--champagne);outline-offset:4px}
[hidden]{display:none!important}
.container{width:min(var(--container),calc(100% - 96px));margin-inline:auto}
.section{padding-block:clamp(88px,10vw,140px)}
.svg-library{width:0;height:0;position:absolute;overflow:hidden}
.icon{width:20px;height:20px;stroke:currentColor;stroke-width:1.4;fill:none;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}
.skip-link{position:absolute;left:16px;top:-60px;z-index:100;background:var(--midnight);color:var(--ivory);padding:10px 16px}
.skip-link:focus{top:12px}

/* Labels */
.eyebrow{font-family:var(--sans);font-size:12px;font-weight:500;letter-spacing:.24em;text-transform:uppercase;line-height:1.6;color:var(--gold)}
.line-label{display:flex;align-items:center;gap:16px}
.line-label:before{content:'';width:36px;height:1px;background:currentColor;opacity:.7;flex-shrink:0}
.fine-print{font-size:13px;line-height:1.65;color:var(--muted)}
.centered{text-align:center}

/* Buttons & links */
.button{display:inline-flex;align-items:center;justify-content:center;gap:14px;min-height:54px;padding:15px 28px;font-family:var(--sans);font-size:13px;font-weight:500;letter-spacing:.16em;text-transform:uppercase;line-height:1.3;border:1px solid transparent;border-radius:0;transition:background .35s var(--ease),color .35s var(--ease),border-color .35s var(--ease),transform .35s var(--ease)}
.button .icon{width:18px;height:18px;transition:transform .35s var(--ease)}
.button:hover .icon{transform:translateX(4px)}
.button-gold{background:var(--champagne);color:var(--midnight)}
.button-gold:hover{background:var(--champagne-soft)}
.button-dark{background:var(--midnight);color:var(--ivory)}
.button-dark:hover{background:var(--navy-2)}
.button-outline{border-color:var(--ink);color:var(--ink)}
.button-outline:hover{background:var(--ink);color:var(--ivory)}
.button:disabled{opacity:.5;cursor:not-allowed}
.text-link{display:inline-flex;align-items:center;gap:10px;font-size:13px;font-weight:500;letter-spacing:.16em;text-transform:uppercase;padding-bottom:4px;border-bottom:1px solid currentColor;transition:color .3s var(--ease),gap .3s var(--ease)}
.text-link .icon{width:16px;height:16px}
.text-link:hover{color:var(--gold);gap:14px}
.text-link.light{color:var(--ivory)}
.text-link.light:hover{color:var(--champagne)}

/* Announcement & header */
.announcement{background:var(--midnight);color:var(--muted-light);font-size:12px;letter-spacing:.18em;text-transform:uppercase;border-bottom:1px solid var(--line-dark)}
.announcement-inner{display:flex;justify-content:space-between;align-items:center;min-height:40px;gap:16px}
.announcement i{font-style:normal;color:var(--champagne);padding-inline:6px}
.announcement a{color:var(--ivory)}
.announcement a span{color:var(--champagne);margin-left:6px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(15,31,42,.97);color:var(--ivory);transition:box-shadow .3s var(--ease)}
.site-header.scrolled{box-shadow:0 10px 30px rgba(0,0,0,.18)}
@supports (backdrop-filter:blur(8px)){.site-header{background:rgba(15,31,42,.9);backdrop-filter:blur(14px)}}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:88px}
.brand{display:flex;align-items:center;gap:12px}
.brand-mark{font-family:var(--serif);font-style:italic;font-size:46px;line-height:1;color:var(--champagne);position:relative;padding-right:8px}
.brand-mark span{position:relative;top:10px;left:-3px;font-size:40px}
.brand-text{display:flex;flex-direction:column;font-family:var(--serif);font-size:28px;line-height:1}
.brand-text em{font-style:italic}.brand-name{white-space:nowrap}
.brand-text small{font-family:var(--sans);font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted-light);margin-top:8px}
.desktop-nav{align-self:stretch;display:flex}
.nav-list{display:flex;align-items:stretch;gap:clamp(4px,1.2vw,18px);margin:0;padding:0;list-style:none}
.nav-item{display:flex}
.nav-trigger{display:flex;align-items:center;gap:8px;padding:0 10px;font-size:13px;font-weight:400;letter-spacing:.16em;text-transform:uppercase;color:rgba(247,243,236,.82);position:relative;white-space:nowrap}
.nav-trigger:after{content:'';position:absolute;left:10px;right:10px;bottom:24px;height:1px;background:var(--champagne);transform:scaleX(0);transform-origin:left;transition:transform .35s var(--ease)}
.nav-trigger:hover,.nav-trigger[aria-expanded=true]{color:var(--ivory)}
.nav-trigger:hover:after,.nav-trigger[aria-expanded=true]:after{transform:scaleX(1)}
.chev{width:12px;height:12px;stroke:currentColor;stroke-width:1.3;fill:none;transition:transform .3s var(--ease)}
.nav-trigger[aria-expanded=true] .chev{transform:rotate(180deg)}
.mega{position:absolute;left:0;right:0;top:100%;background:var(--midnight);color:var(--ivory);border-top:1px solid var(--line-dark);box-shadow:0 40px 80px rgba(5,12,18,.45);animation:megaIn .32s var(--ease)}
@keyframes megaIn{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:none}}
.mega-inner{display:grid;grid-template-columns:1.1fr 1.1fr .9fr 1fr;gap:48px;padding-block:52px 56px}
.mega-wide .mega-inner{grid-template-columns:repeat(4,1fr)}
.mega-intro .eyebrow{color:var(--champagne)}
.mega-title{font-family:var(--serif);font-weight:300;font-size:38px;line-height:1.08;margin-top:16px}
.mega-title em{font-style:italic;color:var(--champagne)}
.mega-intro>p:last-child:not(.mega-title){margin-top:16px;font-size:15px;line-height:1.7;color:rgba(247,243,236,.72);font-weight:300}
.mega-col h3{font-family:var(--sans);font-size:12px;font-weight:500;letter-spacing:.22em;text-transform:uppercase;color:var(--champagne);padding-bottom:14px;border-bottom:1px solid var(--line-dark);margin-bottom:6px}
.mega-col ul{list-style:none;margin:0;padding:0}
.mega-link{display:block;padding:10px 0;transition:color .25s var(--ease),transform .25s var(--ease)}
.mega-link span{display:block;font-family:var(--serif);font-size:21px;line-height:1.25}
.mega-link small{display:block;font-size:13px;line-height:1.5;color:var(--muted-light);margin-top:2px}
.mega-link:hover{color:var(--champagne);transform:translateX(4px)}
.mega-feature{background:var(--navy);border:1px solid rgba(201,168,110,.35);padding:30px 28px;align-self:start}
.mega-feature .eyebrow{color:var(--champagne)}
.mega-feature-title{font-family:var(--serif);font-size:28px;line-height:1.15;margin-top:12px}
.mega-feature p:not(.mega-feature-title){margin-top:10px;font-size:14px;line-height:1.6;color:rgba(247,243,236,.75)}
.mega-feature .button{margin-top:22px;width:100%;justify-content:space-between;font-size:12px;padding-inline:20px}
.mega-portrait{text-align:left}
.mega-portrait img{width:96px;height:96px;border-radius:50%;object-fit:cover;border:1px solid var(--champagne);padding:4px}
.mega-portrait .mega-feature-title{margin-top:18px}
.mega-portrait .text-link{margin-top:20px}
.site-header.mega-open{box-shadow:none}
.header-actions{display:flex;align-items:center;gap:14px}
.header-cta{min-height:46px;padding:12px 22px;font-size:12px;white-space:nowrap}
.brand-text small{white-space:nowrap}
.menu-toggle{display:none;width:46px;height:46px;position:relative;border:1px solid var(--line-dark)}
.menu-toggle span{position:absolute;left:12px;right:12px;height:1px;background:var(--ivory);transition:transform .3s var(--ease),top .3s var(--ease)}
.menu-toggle span:first-child{top:18px}.menu-toggle span:last-child{top:26px}
.menu-toggle[aria-expanded=true] span:first-child{top:22px;transform:rotate(45deg)}
.menu-toggle[aria-expanded=true] span:last-child{top:22px;transform:rotate(-45deg)}
.mobile-nav{display:flex;flex-direction:column;padding:4px 24px 28px;border-top:1px solid var(--line-dark);background:var(--midnight);max-height:calc(100dvh - 116px);overflow-y:auto}
.m-group{border-bottom:1px solid var(--line-dark)}
.m-group summary{display:flex;justify-content:space-between;align-items:center;list-style:none;cursor:pointer;font-family:var(--serif);font-size:28px;padding:16px 0}
.m-group summary::-webkit-details-marker{display:none}
.m-group summary .icon{color:var(--champagne);transition:transform .3s var(--ease)}
.m-group[open] summary .icon{transform:rotate(45deg)}
.m-links{display:flex;flex-direction:column;padding:0 0 16px 2px}
.m-link{padding:9px 0;font-size:16px;color:rgba(247,243,236,.82)}
.m-link:hover{color:var(--champagne)}
.m-cta{margin-top:24px;display:flex;justify-content:center;align-items:center;min-height:54px;background:var(--champagne);color:var(--midnight);font-size:13px;font-weight:500;letter-spacing:.16em;text-transform:uppercase}
.m-apply{margin-top:18px;text-align:center;font-size:13px;letter-spacing:.16em;text-transform:uppercase;color:var(--champagne)}

/* Hero */
.hero{background:var(--midnight);color:var(--ivory);position:relative;overflow:hidden}
.hero:before{content:'';position:absolute;inset:auto -10% -40% 40%;height:80%;background:radial-gradient(closest-side,rgba(201,168,110,.12),transparent);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:clamp(40px,6vw,96px);align-items:center;padding-block:clamp(72px,8vw,120px) clamp(88px,9vw,132px);position:relative}
.hero .eyebrow{color:var(--champagne)}
.hero h1{font-size:clamp(56px,7.2vw,104px);line-height:.98;letter-spacing:-.015em;font-weight:300;margin-top:30px}
.hero h1 em{color:var(--champagne)}
.hero h1.tagline{font-size:clamp(88px,12vw,176px);line-height:.9;letter-spacing:-.025em}
.hero-subhead{font-family:var(--serif);font-weight:300;font-size:clamp(28px,2.8vw,40px);line-height:1.15;margin-top:22px;color:var(--ivory)}
.hero-subhead em{font-style:italic;color:var(--champagne)}
.hero-description{max-width:540px;margin-top:32px;font-size:19px;line-height:1.75;color:rgba(247,243,236,.8);font-weight:300}
.hero-actions{display:flex;flex-wrap:wrap;align-items:center;gap:22px 34px;margin-top:44px}
.hero-person{display:flex;align-items:center;gap:16px;margin-top:56px;padding-top:28px;border-top:1px solid var(--line-dark);max-width:520px}
.hero-person img{width:56px;height:56px;border-radius:50%;object-fit:cover;border:1px solid var(--champagne)}
.hero-person strong{display:block;font-family:var(--serif);font-size:22px;font-weight:400;line-height:1.2}
.hero-person span{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--muted-light)}
.hero-visual{position:relative;padding:0 0 40px 40px}
.hero-image{position:relative;border-radius:999px 999px 0 0;overflow:hidden;aspect-ratio:4/5;outline:1px solid rgba(201,168,110,.5);outline-offset:14px}
.hero-image img{width:100%;height:100%;object-fit:cover}
.hero-note{position:absolute;left:0;bottom:0;background:var(--ivory);color:var(--ink);padding:28px 34px;min-width:260px;box-shadow:0 30px 60px rgba(0,0,0,.28)}
.hero-note span{display:block;font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold)}
.hero-note p{font-family:var(--serif);font-size:30px;line-height:1.15;margin-top:12px}

/* Proof */
.proof-strip{background:var(--navy);color:var(--ivory);border-top:1px solid var(--line-dark)}
.proof-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.proof-stat{padding:44px 28px;border-left:1px solid var(--line-dark)}
.proof-stat:first-child{border-left:0;padding-left:0}
.proof-stat strong{display:block;font-family:var(--serif);font-weight:300;font-size:clamp(44px,4.4vw,60px);line-height:1}
.proof-stat strong span{color:var(--champagne)}
.proof-stat strong em{font-style:italic;color:var(--champagne)}
.proof-stat p{margin-top:12px;font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted-light)}

/* Section headings */
.section-heading{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,.7fr);gap:48px;align-items:end;margin-bottom:clamp(48px,6vw,80px)}
.section-heading h2{margin-top:22px}
.section-heading>p{font-size:18px;color:var(--muted);font-weight:300;max-width:440px}

/* Clients */
.client-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line)}
.client-card{padding:40px 32px 40px 0;border-right:1px solid var(--line);margin-right:32px}
.client-card:nth-child(3n){border-right:0;margin-right:0}
.client-card:nth-child(n+4){border-top:1px solid var(--line)}
.client-icon{width:40px;height:40px;stroke:var(--gold);stroke-width:1.1;fill:none;stroke-linecap:round;stroke-linejoin:round}
.client-card h3{margin-top:28px}
.client-card p{margin-top:14px;font-size:16px;color:var(--muted);line-height:1.7}

/* Programs */
.programs{background:var(--paper);border-block:1px solid var(--line)}
.program-tabs{display:flex;gap:6px;border-bottom:1px solid var(--line);margin-bottom:40px;overflow-x:auto;scrollbar-width:none}
.program-tabs::-webkit-scrollbar{display:none}
.program-tabs button{padding:18px 22px;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid transparent;margin-bottom:-1px;white-space:nowrap;transition:color .3s var(--ease),border-color .3s var(--ease)}
.program-tabs button:hover{color:var(--ink)}
.program-tabs button[aria-selected=true]{color:var(--ink);border-bottom-color:var(--gold)}
.program-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.program-grid.three-cards{grid-template-columns:repeat(3,1fr)}
.program-grid:focus-visible{outline-offset:8px}
.program-card{display:flex;flex-direction:column;text-align:left;background:var(--ivory);border:1px solid var(--line);padding:34px 30px 30px;min-height:330px;transition:transform .45s var(--ease),box-shadow .45s var(--ease),border-color .45s var(--ease),background .45s var(--ease)}
.program-card.is-highlighted{border-color:var(--champagne);box-shadow:0 0 0 1px var(--champagne),0 26px 50px rgba(15,31,42,.12);background:#fff}
.program-card:hover{transform:translateY(-6px);box-shadow:0 26px 50px rgba(15,31,42,.1);border-color:var(--champagne);background:#fff}
.card-top{display:flex;align-items:center;gap:14px}
.program-icon{width:30px;height:30px;stroke:var(--gold);stroke-width:1.2;fill:none;stroke-linecap:round;stroke-linejoin:round}
.card-top span{font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--gold)}
.program-card h3{margin-top:30px;font-size:30px}
.program-card>p{margin-top:14px;font-size:16px;line-height:1.65;color:var(--muted);flex:1}
.card-action{display:flex;justify-content:space-between;align-items:center;margin-top:26px;padding-top:18px;border-top:1px solid var(--line);font-size:12px;font-weight:500;letter-spacing:.18em;text-transform:uppercase}
.program-card:hover .card-action .icon{transform:translateX(4px)}
.card-action .icon{transition:transform .35s var(--ease)}
.programs-help{margin-top:44px;text-align:center;font-family:var(--serif);font-size:24px}
.programs-help a{font-style:italic;color:var(--gold);border-bottom:1px solid currentColor}
.programs .fine-print{margin-top:16px}

/* Experience */
.experience{background:var(--midnight);color:var(--ivory);padding-block:clamp(88px,10vw,140px)}
.experience-grid{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);gap:clamp(48px,7vw,110px);align-items:center}
.personal-card{border:1px solid rgba(201,168,110,.45);padding:52px 40px;text-align:center;position:relative}
.personal-card:before{content:'';position:absolute;inset:10px;border:1px solid var(--line-dark);pointer-events:none}
.personal-card-kicker{font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--champagne)}
.personal-portrait{width:176px;height:176px;margin:36px auto 0;border-radius:50%;padding:6px;border:1px solid var(--champagne)}
.personal-portrait img{width:100%;height:100%;border-radius:50%;object-fit:cover}
.personal-card-quote{font-family:var(--serif);font-size:34px;line-height:1.2;margin-top:34px;font-weight:300}
.personal-card-quote em{color:var(--champagne)}
.signature{font-family:var(--serif);font-style:italic;font-size:34px;color:var(--champagne);margin-top:26px}
.personal-card-footer{font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted-light);margin-top:8px}
.experience .eyebrow{color:var(--champagne)}
.experience h2{margin-top:22px}
.experience h2 em{color:var(--champagne)}
.experience .intro{font-family:var(--serif);font-size:30px;margin-top:32px}
.experience-copy>p:not(.eyebrow):not(.intro){margin-top:16px;color:rgba(247,243,236,.8);font-weight:300;max-width:620px}
.standard-list{margin-top:40px;border-top:1px solid var(--line-dark)}
.standard-list li{display:grid;grid-template-columns:52px 1fr;gap:12px;padding:20px 0;border-bottom:1px solid var(--line-dark);font-size:16px;color:rgba(247,243,236,.78);font-weight:300}
.standard-list li>span{font-family:var(--serif);font-style:italic;font-size:22px;color:var(--champagne);line-height:1.3}
.standard-list strong{display:block;font-family:var(--serif);font-size:24px;font-weight:400;color:var(--ivory);margin-bottom:2px}
.experience .button{margin-top:44px}

/* Process */
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:36px;counter-reset:step}
.process-grid li{border-top:1px solid var(--ink);padding-top:28px}
.step-number{font-family:var(--serif);font-style:italic;font-size:30px;color:var(--gold)}
.process-grid h3{margin-top:18px}
.process-grid p{margin-top:12px;font-size:16px;color:var(--muted)}
.process>.fine-print{margin-top:48px}

/* Calculator */
.calculator-section{background:var(--stone);padding-block:clamp(88px,10vw,140px)}
.calculator-shell{background:var(--paper);border:1px solid var(--line);box-shadow:0 30px 70px rgba(15,31,42,.08)}
.calculator-tabs{display:flex;border-bottom:1px solid var(--line);overflow-x:auto;scrollbar-width:none;padding-inline:20px}
.calculator-tabs::-webkit-scrollbar{display:none}
.calculator-tabs button{padding:22px 18px;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid transparent;margin-bottom:-1px;white-space:nowrap}
.calculator-tabs button[aria-selected=true]{color:var(--ink);border-bottom-color:var(--gold)}
.calculator-layout{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr)}
.calculator-inputs{padding:clamp(28px,4vw,52px)}
.calculator-form-heading{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:32px}
.calculator-form-heading h3{font-size:clamp(28px,2.6vw,36px);font-weight:300}
.illustration-label{font-size:12px;letter-spacing:.18em;text-transform:uppercase;border:1px solid var(--line);padding:6px 10px;color:var(--muted);white-space:nowrap}
.input-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:22px 24px}
.field{display:flex;flex-direction:column;gap:9px;min-width:0}
.field label{font-size:13px;font-weight:500;letter-spacing:.08em;color:var(--ink)}
.field small{font-size:13px;color:var(--gold)}
.input-wrap{display:flex;align-items:center;gap:10px;background:#fff;border:1px solid var(--line);padding:0 16px;min-height:54px;transition:border-color .3s var(--ease)}
.input-wrap:focus-within{border-color:var(--gold)}
.input-wrap>span{color:var(--muted);font-size:16px}
.input-wrap input,.input-wrap select,.input-wrap textarea{flex:1;min-width:0;border:0;outline:0;background:transparent;font-size:16px;padding:14px 0;color:var(--ink)}
.input-wrap textarea{resize:vertical;min-height:120px;line-height:1.6}
.select-wrap{position:relative}
.select-wrap select{appearance:none;-webkit-appearance:none;padding-right:28px;cursor:pointer}
.select-wrap:after{content:'';position:absolute;right:18px;top:50%;width:8px;height:8px;border-right:1.4px solid var(--ink);border-bottom:1.4px solid var(--ink);transform:translateY(-70%) rotate(45deg);pointer-events:none}
.extra-field{margin-top:22px}
.cost-details{margin-top:28px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cost-details summary{display:flex;justify-content:space-between;align-items:center;padding:18px 0;font-size:14px;font-weight:500;letter-spacing:.08em;cursor:pointer;list-style:none}
.cost-details summary::-webkit-details-marker{display:none}
.cost-details summary .icon{transition:transform .3s var(--ease)}
.cost-details[open] summary .icon{transform:rotate(45deg)}
.cost-details .input-grid{padding-bottom:18px}
.cost-details .fine-print{padding-bottom:20px}
.calculator-assumption{margin-top:22px;font-size:14px;color:var(--muted);line-height:1.6}
.form-error{margin-top:14px;color:#9b3b2e;font-size:15px}
.calculator-results{background:var(--midnight);color:var(--ivory);padding:clamp(28px,4vw,52px);display:flex;flex-direction:column}
.calculator-results .eyebrow{color:var(--champagne)}
.result-total{display:flex;align-items:baseline;gap:10px;margin-top:14px}
.result-total>span{font-family:var(--serif);font-weight:300;font-size:clamp(56px,6vw,80px);line-height:1}
.result-total>small{font-size:16px;color:var(--muted-light)}
.payment-visual{display:flex;align-items:center;gap:22px;margin-top:30px}
.payment-ring{width:88px;height:88px;border-radius:50%;display:grid;place-items:center;flex-shrink:0;background:conic-gradient(var(--champagne) 0 80%,#7f9aa0 80% 90%,#e8e1d3 90% 96%,#51707c 96%);position:relative}
.payment-ring:before{content:'';position:absolute;inset:9px;border-radius:50%;background:var(--midnight)}
.ring-house{width:28px;height:28px;stroke:var(--champagne);stroke-width:1.3;fill:none;position:relative}
.loan-summary span{display:block;font-size:12px;letter-spacing:.18em;text-transform:uppercase;color:var(--muted-light)}
.loan-summary strong{display:block;font-family:var(--serif);font-weight:400;font-size:36px;line-height:1.1;margin-block:4px}
.loan-summary span:last-child{letter-spacing:.04em;text-transform:none;font-size:14px}
.payment-breakdown,.comparison-breakdown{margin-top:28px;border-top:1px solid var(--line-dark)}
.payment-breakdown>div,.comparison-breakdown>div{display:flex;justify-content:space-between;gap:16px;padding:14px 0;border-bottom:1px solid var(--line-dark);font-size:15px}
.payment-breakdown dt,.comparison-breakdown dt{display:flex;align-items:center;gap:12px;color:rgba(247,243,236,.8)}
.payment-breakdown dd,.comparison-breakdown dd{font-weight:500;white-space:nowrap}
.swatch{width:9px;height:9px;border-radius:50%;flex-shrink:0}
.swatch.pi{background:var(--champagne)}.swatch.tax{background:#7f9aa0}.swatch.insurance{background:#e8e1d3}.swatch.other{background:#51707c}
.result-explanation{margin-top:14px;font-size:16px;color:rgba(247,243,236,.8)}
.result-explanation strong{color:var(--champagne);font-weight:500}
.result-small{margin-top:20px;font-size:13px;line-height:1.65;color:var(--muted-light)}
.buydown-years{margin-top:24px;display:grid;gap:10px}
.buydown-year{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:16px 18px;border:1px solid var(--line-dark)}
.buydown-year strong{display:block;font-family:var(--serif);font-size:22px;font-weight:400}
.buydown-year small{font-size:13px;color:var(--muted-light)}
.buydown-year>span{font-weight:500;white-space:nowrap}
#calculator-empty-state h3{font-size:30px}
.result-cta{margin-top:auto;align-self:stretch}
.calculator-results>div+.result-cta,.result-cta{margin-top:32px}
.result-disclaimer{margin-top:16px;font-size:13px;line-height:1.6;color:var(--muted-light)}
.noscript-note{margin-top:20px;text-align:center}

/* Testimonial */
.testimonial{text-align:center;padding-block:clamp(96px,11vw,150px);display:flex;flex-direction:column;align-items:center}
.quote-mark{font-family:var(--serif);font-size:120px;line-height:.6;color:var(--champagne);margin-top:30px;height:60px}
.testimonial blockquote{font-size:clamp(40px,5vw,68px);line-height:1.12;font-weight:300;max-width:900px}
.review-author{display:flex;align-items:center;gap:16px;margin-top:36px;text-align:left}
.review-line{width:40px;height:1px;background:var(--gold)}
.review-author strong{display:block;font-family:var(--serif);font-size:22px;font-weight:400}
.review-author span:not(.review-line){font-size:13px;color:var(--muted)}
.review-links{display:flex;flex-wrap:wrap;justify-content:center;gap:18px 36px;margin-top:36px}

/* Insights */
.insights{background:var(--paper);border-block:1px solid var(--line);padding-block:72px}
.insights-inner{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:center}
.insights h2{font-size:clamp(36px,3.6vw,50px);margin-top:18px}
.insights p:not(.eyebrow){margin-top:14px;color:var(--muted);font-weight:300;max-width:520px}
.video-card{display:flex;align-items:center;gap:20px;padding:28px 30px;background:var(--midnight);color:var(--ivory);transition:transform .4s var(--ease)}
.video-card:hover{transform:translateY(-4px)}
.video-card .play{width:44px;height:44px;stroke:var(--champagne);stroke-width:1.1}
.video-card>span{flex:1;font-family:var(--serif);font-size:24px;line-height:1.2}
.video-card small{display:block;font-family:var(--sans);font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--champagne);margin-bottom:6px}

/* FAQ */
.faq-section{padding-block:clamp(88px,10vw,140px)}
.faq-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(48px,7vw,110px)}
.faq-grid h2{margin-top:22px}
.faq-grid>div>p:not(.eyebrow){margin-top:20px;color:var(--muted);font-weight:300;margin-bottom:28px}
.faq-list{border-top:1px solid var(--line)}
.faq-list details{border-bottom:1px solid var(--line)}
.faq-list summary{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:26px 0;cursor:pointer;list-style:none;font-family:var(--serif);font-size:25px;line-height:1.3}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary .icon{color:var(--gold);transition:transform .3s var(--ease)}
.faq-list details[open] summary .icon{transform:rotate(45deg)}
.faq-list details>p{padding:0 48px 28px 0;color:var(--muted);font-size:16px}

/* Contact */
.contact{background:var(--midnight);color:var(--ivory);padding-block:clamp(88px,10vw,140px)}
.contact-grid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:clamp(48px,7vw,100px);align-items:start}
.contact .eyebrow{color:var(--champagne)}
.contact h2{margin-top:22px}
.contact h2 em{color:var(--champagne)}
.contact-copy>p:not(.eyebrow){margin-top:22px;color:rgba(247,243,236,.8);font-weight:300;max-width:420px}
.contact-methods{margin-block:40px 32px;border-top:1px solid var(--line-dark)}
.contact-methods>a,.contact-methods>div{display:flex;gap:18px;padding:20px 0;border-bottom:1px solid var(--line-dark)}
.contact-methods .icon{color:var(--champagne);margin-top:4px}
.contact-methods span{display:block;font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted-light)}
.contact-methods strong,.contact-methods p{font-family:var(--serif);font-size:24px;font-weight:400;line-height:1.3;overflow-wrap:anywhere}
.contact-methods a:hover strong{color:var(--champagne)}
.contact-form{background:var(--ivory);color:var(--ink);padding:clamp(28px,4vw,52px)}
.contact-form-top{padding-bottom:22px;margin-bottom:28px;border-bottom:1px solid var(--line)}
.contact-form>.field{margin-top:22px}
.required-mark{color:var(--gold)}
.optional{font-weight:400;color:var(--muted);letter-spacing:0}
.privacy-note{margin-top:18px}
.contact-submit{width:100%;margin-top:26px;justify-content:space-between}
.form-handoff{margin-top:14px;font-size:13px;color:var(--muted);text-align:center}
.secure-application{display:flex;align-items:center;justify-content:center;gap:10px;margin-top:22px;padding-top:22px;border-top:1px solid var(--line);font-size:14px;color:var(--muted)}
.secure-application .icon{color:var(--gold)}
.secure-application a{color:var(--ink);border-bottom:1px solid var(--gold)}

/* Footer */
.site-footer{background:#0b1720;color:var(--muted-light);padding-top:80px;font-size:14px}
.footer-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:56px;border-bottom:1px solid var(--line-dark)}
.footer-brand{color:var(--ivory);align-self:start}
.footer-column,.footer-service{display:flex;flex-direction:column;gap:10px}
.site-footer h3{font-family:var(--sans);font-size:12px;font-weight:500;letter-spacing:.22em;text-transform:uppercase;color:var(--champagne);margin-bottom:8px}
.footer-column a:hover{color:var(--ivory)}
.footer-service p{color:var(--ivory);font-family:var(--serif);font-size:20px;line-height:1.4}
.equal-housing{display:flex;align-items:center;gap:12px;margin-top:14px;font-size:12px;letter-spacing:.14em;text-transform:uppercase;line-height:1.4}
.equal-housing svg{width:34px;height:34px;stroke:currentColor;stroke-width:1.3;fill:none}
.footer-disclosures{padding-block:36px;display:grid;gap:14px;font-size:13px;line-height:1.7;border-bottom:1px solid var(--line-dark)}
.footer-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:16px;padding-block:28px;font-size:13px}
.footer-bottom div{display:flex;flex-wrap:wrap;gap:12px 26px}
.footer-bottom a:hover{color:var(--ivory)}

/* Dialogs */
.modal{width:min(640px,calc(100% - 32px));max-height:calc(100dvh - 48px);border:0;padding:clamp(32px,5vw,52px);background:var(--ivory);color:var(--ink);box-shadow:0 40px 90px rgba(0,0,0,.35)}
.modal::backdrop{background:rgba(11,23,32,.72);backdrop-filter:blur(3px)}
.modal-close{position:absolute;top:16px;right:16px;width:44px;height:44px;display:grid;place-items:center;border:1px solid var(--line)}
.modal-close:hover{border-color:var(--ink)}
.modal h2{font-size:clamp(34px,4vw,46px);margin-top:14px}
.modal>p:not(.eyebrow):not(.fine-print){margin-top:18px;color:var(--muted)}
.modal-note{margin-top:26px;padding:22px 24px;background:var(--paper);border-left:2px solid var(--champagne)}
.modal-note h3{font-size:22px}
.modal-note p{margin-top:8px;font-size:15px;color:var(--muted)}
.modal .fine-print{margin-top:18px}
.modal-actions{display:flex;flex-wrap:wrap;align-items:center;gap:20px 28px;margin-top:28px}
.draft-label{display:block;margin-top:22px;font-size:13px;font-weight:500;letter-spacing:.08em}
#email-preview{width:100%;margin-top:10px;padding:16px;border:1px solid var(--line);background:#fff;font-size:15px;line-height:1.6;resize:vertical}

/* Responsive */
@media (max-width:1500px){.nav-trigger{letter-spacing:.1em;padding:0 7px;font-size:12.5px}.nav-trigger:after{left:7px;right:7px}.nav-list{gap:4px}.header-cta{padding-inline:18px}}
@media (max-width:1360px){.mega-inner{gap:32px}.mega-title{font-size:32px}.header-inner{gap:16px}}
@media (max-width:1320px){.desktop-nav{display:none}.menu-toggle{display:block}}
@media (max-width:1100px){
  .program-grid,.program-grid.three-cards{grid-template-columns:repeat(2,1fr)}
  .client-grid{grid-template-columns:repeat(2,1fr)}
  .client-card:nth-child(n){border-right:1px solid var(--line);margin-right:32px;border-top:0}
  .client-card:nth-child(2n){border-right:0;margin-right:0}
  .client-card:nth-child(n+3){border-top:1px solid var(--line)}
  .process-grid{grid-template-columns:repeat(2,1fr);row-gap:48px}
  .footer-top{grid-template-columns:1fr 1fr}
  .footer-brand{grid-column:1/-1}
}
@media (max-width:900px){
  .hero-grid,.experience-grid,.faq-grid,.contact-grid,.insights-inner,.calculator-layout{grid-template-columns:minmax(0,1fr)}
  .hero-visual{max-width:520px;width:100%;margin-inline:auto}
  .section-heading{grid-template-columns:1fr;gap:20px}
  .proof-grid{grid-template-columns:repeat(2,1fr)}
  .proof-stat:nth-child(3){border-left:0;padding-left:0}
  .proof-stat:nth-child(n+3){border-top:1px solid var(--line-dark)}
  .personal-card{max-width:520px;width:100%;margin-inline:auto}
}
@media (max-width:640px){
  body{font-size:16px}
  .container{width:calc(100% - 40px)}
  .announcement-inner{justify-content:center}
  .announce-text{display:none}
  .header-inner{min-height:76px}
  .header-cta{display:none}
  .brand-mark{font-size:40px}.brand-mark span{font-size:34px}
  .brand-text{font-size:24px}
  .brand-text small{font-size:12px;letter-spacing:.06em;white-space:nowrap}
  .hero h1{font-size:clamp(46px,13vw,60px)}
  .hero h1.tagline{font-size:clamp(52px,calc((100vw - 40px) / 5),112px);white-space:nowrap}
  .hero-subhead{font-size:28px}
  .hero-description{font-size:17px}
  .hero-actions{flex-direction:column;align-items:stretch}
  .hero-actions .button{width:100%;justify-content:space-between}
  .hero-actions .text-link{align-self:flex-start}
  .hero-visual{padding:0 0 32px 16px}
  .hero-image{outline-offset:8px}
  .hero-note{padding:20px 22px;min-width:0;max-width:78%}
  .hero-note p{font-size:24px}
  .proof-stat{padding:28px 16px}
  .proof-stat:nth-child(odd){padding-left:0;border-left:0}
  .client-grid,.program-grid,.program-grid.three-cards,.process-grid,.input-grid,.footer-top{grid-template-columns:1fr}
  .client-card:nth-child(n){border-right:0;margin-right:0;padding-right:0;border-top:1px solid var(--line)}
  .client-card:first-child{border-top:0}
  .program-card{min-height:0;padding:28px 24px 24px}
  .program-card h3{font-size:28px}
  .program-tabs,.calculator-tabs{display:grid;grid-template-columns:1fr 1fr;gap:0;overflow:visible;padding-inline:0}
  .program-tabs button,.calculator-tabs button{white-space:normal;padding:16px 10px;font-size:12px;letter-spacing:.1em;text-align:center;line-height:1.4;border-bottom:1px solid var(--line);margin-bottom:0}
  .program-tabs button[aria-selected=true],.calculator-tabs button[aria-selected=true]{border-bottom:2px solid var(--gold);background:var(--ivory)}
  .calculator-form-heading{flex-direction:column}
  .personal-card{padding:44px 24px}
  .standard-list li{grid-template-columns:40px 1fr}
  .faq-list summary{font-size:22px}
  .faq-list details>p{padding-right:0}
  .contact-methods strong,.contact-methods p{font-size:20px}
  .footer-bottom{flex-direction:column}
}
@media (max-width:374px){.proof-stat strong{font-size:36px}.payment-visual{flex-wrap:wrap}.loan-summary strong{font-size:30px}.bn{display:none}.brand-text{font-size:22px}.brand-mark{font-size:36px}.brand-mark span{font-size:30px}}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*:before,*:after{transition:none!important;animation:none!important}
}
@media print{
  .announcement,.site-header,.hero,.proof-strip,.clients,.programs,.experience,.process,.testimonial,.insights,.faq-section,.contact,.site-footer,.calculator-tabs,.result-cta{display:none!important}
  .calculator-section{background:#fff;padding:0}
  .calculator-layout{grid-template-columns:1fr}
  .calculator-results{background:#fff;color:#000}
}

/* Centered hero (We close.) */
.hero-centered{text-align:center;min-height:min(92vh,960px);display:flex;align-items:center}
.hero-bg{position:absolute;inset:0;overflow:hidden}
.hero-bg img{position:absolute;left:50%;bottom:-6%;width:min(1100px,120%);height:auto;transform:translateX(-50%);opacity:.14;filter:saturate(.7)}
.hero-bg:after{content:'';position:absolute;inset:0;background:radial-gradient(ellipse at 50% 38%,rgba(15,31,42,.35) 0%,rgba(15,31,42,.88) 55%,var(--midnight) 85%)}
.hero-center{position:relative;padding-block:clamp(80px,10vw,140px);display:flex;flex-direction:column;align-items:center}
.hero-eyebrow{color:var(--champagne)}
.hero-eyebrow i,.hero-small i{font-style:normal;padding-inline:8px;opacity:.7}
.hero-centered h1.tagline{margin-top:26px;font-size:clamp(96px,15vw,220px);line-height:.88}
.hero-centered .hero-subhead{margin-top:20px}
.hero-rating{display:inline-flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:10px;margin-top:30px;padding:10px 20px;border:1px solid var(--line-dark);font-size:14px;letter-spacing:.06em;color:rgba(247,243,236,.85);transition:border-color .3s var(--ease)}
.hero-rating:hover{border-color:var(--champagne)}
.hero-rating .stars{color:var(--champagne);letter-spacing:.12em;font-size:15px}
.hero-rating strong{color:var(--ivory);font-weight:500}
.hero-rating .dot{opacity:.5}
.hero-centered .hero-description{margin:28px auto 0;max-width:640px}
.hero-centered .hero-actions{justify-content:center;margin-top:38px}
.button-ghost{border-color:rgba(247,243,236,.4);color:var(--ivory)}
.button-ghost:hover{border-color:var(--champagne);color:var(--champagne)}
.button-ghost .icon{width:18px;height:18px}
.button-ghost:hover .icon{transform:none}
.hero-small{margin-top:26px;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted-light)}
.hero-small a{color:var(--champagne);border-bottom:1px solid rgba(201,168,110,.5)}

/* Trust band */
.trust-band{background:var(--ivory);border-bottom:1px solid var(--line)}
.trust-inner{display:flex;flex-wrap:wrap;justify-content:center;align-items:center;gap:14px 44px;padding-block:22px;font-size:12px;letter-spacing:.2em;text-transform:uppercase;color:var(--muted)}
.trust-inner span{display:inline-flex;align-items:center;gap:10px}
.trust-inner svg{width:22px;height:22px;stroke:currentColor;stroke-width:1.3;fill:none}
.trust-inner a{color:var(--gold)}

/* CTA bands */
.cta-band{background:var(--navy);color:var(--ivory);border-block:1px solid rgba(201,168,110,.35)}
.cta-band-inner{display:flex;justify-content:space-between;align-items:center;gap:32px 48px;flex-wrap:wrap;padding-block:64px}
.cta-band .eyebrow{color:var(--champagne)}
.cta-band h2{margin-top:14px;font-size:clamp(36px,4vw,56px)}
.cta-band h2 em{color:var(--champagne)}
.cta-band-actions{display:flex;flex-wrap:wrap;align-items:center;gap:18px 26px}
.cta-strip{background:var(--stone);border-bottom:1px solid var(--line)}
.cta-strip-inner{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px 40px;padding-block:28px}
.cta-strip p{font-family:var(--serif);font-size:24px;line-height:1.3}
.cta-strip p strong{font-weight:500}
.cta-strip-inner>div{display:flex;flex-wrap:wrap;gap:16px 32px}

/* Footer program directory */
.footer-programs{display:grid;grid-template-columns:repeat(5,1fr);gap:32px;padding-block:44px;border-bottom:1px solid var(--line-dark)}
.footer-programs>div{display:flex;flex-direction:column;gap:9px}
.footer-programs a:hover{color:var(--ivory)}
.footer-office p{color:var(--ivory);line-height:1.6}

/* Sticky mobile actions */
.mobile-actions{display:none}
@media (max-width:1100px){.footer-programs{grid-template-columns:repeat(2,1fr)}}
@media (max-width:640px){
  .hero-centered{min-height:0}
  .hero-centered h1.tagline{font-size:clamp(52px,calc((100vw - 40px) / 4.6),112px)}
  .hero-centered .hero-actions{align-items:stretch;width:100%}
  .hero-eyebrow{letter-spacing:.16em;line-height:1.9}
  .hero-rating .dot,.hero-rating span:last-child{display:none}
  .hero-bg img{width:180%;bottom:0;opacity:.16}
  .trust-inner{gap:10px 24px;font-size:12px;letter-spacing:.12em}
  .cta-band-actions{width:100%;flex-direction:column;align-items:stretch}
  .cta-band-actions .button{justify-content:space-between}
  .footer-programs{grid-template-columns:1fr}
  .mobile-actions{display:grid;grid-template-columns:1fr 1fr 1.2fr;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--midnight);border-top:1px solid rgba(201,168,110,.4);padding-bottom:env(safe-area-inset-bottom)}
  .mobile-actions a{display:flex;align-items:center;justify-content:center;gap:8px;min-height:58px;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--ivory);border-right:1px solid var(--line-dark)}
  .mobile-actions a .icon{width:18px;height:18px;color:var(--champagne)}
  .mobile-actions a.primary{background:var(--champagne);color:var(--midnight);border:0}
  body{padding-bottom:calc(58px + env(safe-area-inset-bottom))}
}
@media print{.mobile-actions,.cta-band,.cta-strip,.trust-band{display:none!important}}