/* ═══════════════════════════════════════
   TOKENS
═══════════════════════════════════════ */
:root {
  --navy:    #0E1C2F;
  --navy2:   #162438;
  --navy3:   #1E3050;
  --teal:    #22B5BD;
  --teal2:   #1A9EA6;
  --teal3:   #E8F9FA;
  --cream:   #F3EFE6;
  --cream2:  #EDE8DE;
  --white:   #FFFFFF;
  --text:    #2A3848;
  --text2:   #506070;
  --gold:    #C9A84C;
  --red:     #8B1A1A;
  --border:  rgba(14,28,47,.1);
  --shadow:  0 2px 20px rgba(14,28,47,.08);
}
*,*::before,*::after { margin:0; padding:0; box-sizing:border-box; }
html { scroll-behavior:smooth; font-size:16px; }
body {
  background: var(--cream);
  color: var(--text);
  font-family: 'Barlow', sans-serif;
  font-weight: 400;
  line-height: 1.7;
  overflow-x: hidden;
}

/* ═══════════════════════════════════════
   NAVIGATION
═══════════════════════════════════════ */
#navbar {
  position: fixed; top:0; left:0; right:0; z-index:1000;
  padding: 14px 0;
  transition: all .4s ease;
}
#navbar.scrolled {
  background: rgba(14,28,47,.97);
  backdrop-filter: blur(16px);
  -webkit-backdrop-filter: blur(16px);
  padding: 10px 0;
  box-shadow: 0 4px 24px rgba(0,0,0,.3);
}
.nav-inner {
  max-width: 1200px; margin: 0 auto;
  padding: 0 32px;
  display: flex; align-items:center; justify-content:space-between; gap:20px;
}
.nav-brand {
  font-family: 'Barlow Condensed', sans-serif;
  font-weight: 800; font-size: 1.1rem; letter-spacing: .08em;
  text-transform: uppercase; text-decoration: none;
  color: var(--white);
}
.nav-brand span { color: var(--teal); }
.nav-links {
  display: flex; align-items:center; gap:4px; list-style:none;
}
.nav-links a {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .78rem; letter-spacing: .1em; text-transform: uppercase;
  color: rgba(255,255,255,.7); text-decoration: none;
  padding: 6px 12px; border-radius: 4px;
  transition: color .2s, background .2s;
}
.nav-links a:hover { color: var(--white); background: rgba(255,255,255,.08); }
.nav-cta {
  background: var(--teal); color: var(--white) !important;
  border-radius: 4px; padding: 8px 18px !important;
  font-weight: 700 !important;
  transition: background .2s !important;
}
.nav-cta:hover { background: var(--teal2) !important; }
.nav-toggle {
  display: none; background: none; border: none; cursor: pointer;
  flex-direction: column; gap: 5px; padding: 4px;
}
.nav-toggle span {
  display: block; width: 24px; height: 2px;
  background: var(--white); border-radius: 2px;
  transition: all .3s;
}

/* ═══════════════════════════════════════
   HERO
═══════════════════════════════════════ */
.hero {
  position: relative; 
  min-height: 100vh;
  display: flex; 
  align-items: center;
  overflow: hidden;
}

/* Hero background image - now using <img> tag instead of CSS background */
.hero-bg {
  position: absolute; 
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;           /* Keeps the image sharp and properly scaled */
  object-position: center;     /* Change to "center top" if you want more sky/flag focus */
  z-index: 1;
}

/* Dark overlay gradient */
.hero-overlay {
  position: absolute; 
  inset: 0;
  background: linear-gradient(to right, rgba(14,28,47,.82) 40%, rgba(14,28,47,.45) 100%),
              linear-gradient(180deg, transparent 60%, rgba(14,28,47,.5) 100%);
  z-index: 2;
}
.hero-content {
  position: relative; z-index:2;
  max-width: 1200px; margin: 0 auto;
  padding: 140px 32px 100px;
  max-width: 680px;
}
.hero-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .72rem; letter-spacing: .3em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 18px;
}
.hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.2rem, 5vw, 3.8rem);
  font-weight: 800; color: var(--white);
  line-height: 1.1; margin-bottom: 18px;
}
.hero h1 em { font-style: italic; color: rgba(255,255,255,.9); }
.hero-sub {
  font-size: 1.05rem; font-weight: 300;
  color: rgba(255,255,255,.7);
  max-width: 480px; margin-bottom: 36px; line-height: 1.75;
}
.btn-teal {
  display: inline-block;
  background: var(--teal); color: var(--white);
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .82rem; font-weight: 700; letter-spacing: .18em; text-transform: uppercase;
  padding: 14px 32px; border-radius: 4px; text-decoration: none;
  transition: background .2s, transform .2s;
  border: none; cursor: pointer;
}
.btn-teal:hover { background: var(--teal2); transform: translateY(-1px); }
.btn-outline {
  display: inline-block;
  background: transparent;
  border: 1px solid rgba(255,255,255,.4); color: var(--white);
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .82rem; font-weight: 600; letter-spacing: .15em; text-transform: uppercase;
  padding: 13px 28px; border-radius: 4px; text-decoration: none;
  transition: all .2s;
}
.btn-outline:hover { background: rgba(255,255,255,.08); border-color: rgba(255,255,255,.7); }
.hero-btns { display: flex; gap: 14px; flex-wrap: wrap; }

/* ═══════════════════════════════════════
   NO MIN CREDIT SCORE SECTION
═══════════════════════════════════════ */
.no-min-section {
  background: var(--cream);
  padding: 80px 32px;
}
.no-min-inner {
  max-width: 1200px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start;
}
.no-min-left h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3.5vw, 2.6rem);
  font-weight: 700; color: var(--navy);
  margin-bottom: 20px; line-height: 1.15;
}
.no-min-left p {
  font-size: .95rem; color: var(--text2);
  line-height: 1.85; margin-bottom: 16px; font-weight: 300;
}
.no-min-left p strong { color: var(--navy); font-weight: 600; }
.no-min-left a { color: var(--teal); text-decoration: none; font-weight: 500; }
.no-min-left a:hover { text-decoration: underline; }

/* "For Veterans" eyebrow above h2 */
.no-min-for-veterans {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .78rem; letter-spacing: .28em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 10px; font-weight: 600;
}

/* "What does the VA require?" subheading */
.va-require-heading {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.15rem, 2.5vw, 1.45rem);
  font-weight: 700; color: var(--navy);
  margin-top: 22px; margin-bottom: 10px; line-height: 1.3;
}

/* Solution card icon */
.sol-icon {
  font-size: 1.8rem; margin-bottom: 14px; display: block; line-height: 1;
}

.no-min-right {
  background: var(--navy);
  border-radius: 8px; padding: 36px 32px;
  position: relative; overflow: hidden;
}
.no-min-right::before {
  content: ''; position: absolute; top: -40px; right: -40px;
  width: 150px; height: 150px; border-radius: 50%;
  background: rgba(34,181,189,.08);
}
.no-min-right .nr-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .68rem; letter-spacing: .25em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 10px;
}
.no-min-right h3 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.6rem, 3vw, 2.2rem);
  font-weight: 700; color: var(--white); margin-bottom: 4px; line-height: 1.15;
}
.no-min-right .too-easy {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 5vw, 3rem);
  font-weight: 800; color: var(--teal); margin-bottom: 20px; line-height: 1;
  font-style: italic;
}
.no-min-right p {
  font-size: .9rem; color: rgba(255,255,255,.6);
  line-height: 1.8; font-weight: 300; margin-bottom: 14px;
}
.no-min-right .nr-link {
  color: var(--teal); font-size: .82rem; text-decoration: none;
  font-family: 'Barlow Condensed', sans-serif; letter-spacing: .1em;
  text-transform: uppercase; font-weight: 600;
}
.no-min-right .nr-link:hover { text-decoration: underline; }

/* Qualifiers list */
.qualifier-list { list-style: none; margin: 16px 0; }
.qualifier-list li {
  display: flex; align-items: flex-start; gap: 10px;
  font-size: .88rem; color: rgba(255,255,255,.7); font-weight: 300;
  padding: 7px 0; border-bottom: 1px solid rgba(255,255,255,.06);
  line-height: 1.5;
}
.qualifier-list li:last-child { border-bottom: none; }
.qualifier-list li::before {
  content: '✓'; color: var(--teal); font-weight: 700; flex-shrink: 0;
  margin-top: 1px;
}

/* ═══════════════════════════════════════
   SOLUTION SECTION (dark)
═══════════════════════════════════════ */
.solution-section {
  background: var(--navy);
  padding: 80px 32px;
  text-align: center;
}
.solution-inner { max-width: 1100px; margin: 0 auto; }
.section-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .68rem; letter-spacing: .3em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 10px; display: block;
}
.section-title {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.6rem, 3.5vw, 2.4rem);
  font-weight: 700; line-height: 1.2; margin-bottom: 8px;
}
.section-title.white { color: var(--white); }
.section-title.dark  { color: var(--navy); }
.section-sub {
  font-size: .95rem; font-weight: 300; line-height: 1.8;
  max-width: 600px; margin: 0 auto 48px;
}
.section-sub.muted { color: rgba(255,255,255,.5); }
.section-sub.dark  { color: var(--text2); }

.solution-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}
.sol-card {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.07);
  border-radius: 8px; padding: 28px 22px; text-align: left;
  transition: background .25s, border-color .25s;
}
.sol-card:hover {
  background: rgba(34,181,189,.06);
  border-color: rgba(34,181,189,.2);
}
.sol-card .sol-icon {
  font-size: 1.8rem; margin-bottom: 14px; display: block; line-height: 1;
}
.sol-card h4 {
  font-family: 'Playfair Display', serif;
  font-size: 1rem; font-weight: 700; color: var(--white);
  margin-bottom: 10px; line-height: 1.3;
}
.sol-card p {
  font-size: .85rem; color: rgba(255,255,255,.5);
  line-height: 1.75; font-weight: 300;
}

/* ═══════════════════════════════════════
   REVIEWS
═══════════════════════════════════════ */
.reviews-section {
  background: var(--cream2);
  padding: 80px 32px;
  text-align: center;
}
.reviews-inner { max-width: 1100px; margin: 0 auto; }

.featured-review {
  background: var(--white);
  border-radius: 10px; padding: 40px;
  margin-bottom: 24px;
  box-shadow: var(--shadow);
  max-width: 700px; margin: 0 auto 32px;
  text-align: left; position: relative;
}
.featured-review::before {
  content: '\201C';
  font-family: 'Playfair Display', serif;
  font-size: 5rem; color: var(--teal); opacity: .15;
  position: absolute; top: 12px; left: 20px; line-height: 1;
}
.featured-review blockquote {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1rem, 2vw, 1.15rem); font-style: italic;
  color: var(--text); line-height: 1.8; margin-bottom: 20px;
  padding-left: 8px;
}
.review-author {
  display: flex; align-items: center; gap: 12px;
}
.review-avatar {
  width: 42px; height: 42px; border-radius: 50%;
  background: var(--navy); color: var(--white);
  display: flex; align-items:center; justify-content:center;
  font-family: 'Barlow Condensed', sans-serif; font-weight: 700; font-size: 1rem;
  flex-shrink: 0;
}
.review-info .r-name { font-weight: 700; font-size: .9rem; color: var(--navy); }
.review-info .r-loc  { font-size: .78rem; color: var(--text2); }
.review-stars { color: #F0A500; font-size: .9rem; margin-top: 2px; }

.review-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(280px, 1fr));
  gap: 16px; margin-top: 24px;
}
.review-card {
  background: var(--white); border-radius: 8px; padding: 22px;
  border: 1px solid rgba(14,28,47,.07);
  box-shadow: var(--shadow); text-align: left;
  transition: transform .2s, box-shadow .2s;
}
.review-card:hover { transform: translateY(-2px); box-shadow: 0 8px 28px rgba(14,28,47,.1); }
.review-card .rc-stars { color: #F0A500; font-size: .82rem; margin-bottom: 10px; }
.review-card .rc-body { font-size: .87rem; color: var(--text2); line-height: 1.72; font-weight: 300; margin-bottom: 14px; }
.review-card .rc-name { font-weight: 600; font-size: .84rem; color: var(--navy); }
.review-card .rc-loc  { font-size: .76rem; color: var(--text2); }

.review-count-bar {
  display: flex; align-items: center; justify-content: center; gap: 12px;
  margin-bottom: 40px;
}
.review-count-bar .rc-num {
  font-family: 'Playfair Display', serif;
  font-size: 2.4rem; font-weight: 700; color: var(--navy);
}
.review-count-bar .rc-label {
  font-size: .82rem; color: var(--text2); font-weight: 300; line-height: 1.4;
}
.rc-stars-big { color: #F0A500; font-size: 1.1rem; margin-bottom: 4px; }

/* ═══════════════════════════════════════
   TEAM SECTION - Fully Updated
   (Featured Caleb + Partner Stack + Grid)
═══════════════════════════════════════ */
.team-section {
  background: var(--cream);
  padding: 80px 32px;
  text-align: center;
}

.team-inner {
  max-width: 1100px;
  margin: 0 auto;
}

/* ── Featured Caleb Section ── */
.team-featured {
  display: grid;
  grid-template-columns: 1fr 1fr 1fr;   /* Photo | Info | Partner Stack */
  gap: 0;
  background: var(--navy);
  border-radius: 10px;
  overflow: hidden;
  margin-bottom: 36px;
  max-width: 960px;
  margin-left: auto;
  margin-right: auto;
  box-shadow: 0 8px 40px rgba(14,28,47,.2);
}

/* Caleb Photo */
.tf-photo {
  position: relative;
  min-height: 380px;
  overflow: hidden;
}

.tf-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  transition: transform .55s ease;
}

/* Caleb Info Column */
.tf-info {
  padding: 32px 28px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  border-right: 1px solid rgba(255,255,255,.07);
  color: white;
}

.tf-info .tf-badge {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .65rem;
  letter-spacing: .25em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 10px;
}

.tf-info h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1.5rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 4px;
}

.tf-info .tf-title {
  font-size: .78rem;
  color: rgba(255,255,255,.5);
  margin-bottom: 14px;
  font-family: 'Barlow Condensed', sans-serif;
  letter-spacing: .08em;
  text-transform: uppercase;
}

.tf-info p {
  font-size: .85rem;
  color: rgba(255,255,255,.55);
  line-height: 1.78;
  font-weight: 300;
  margin-bottom: 16px;
}

/* Buttons inside Caleb info */
.tf-info .btn-teal-sm {
  display: inline-block;
  background: var(--teal);
  color: var(--white);
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .15em;
  text-transform: uppercase;
  padding: 10px 22px;
  border-radius: 4px;
  text-decoration: none;
  transition: background .2s;
  margin-bottom: 10px;
}

.tf-info .btn-teal-sm:hover {
  background: var(--teal2);
}

/* Partner Stack (Jenn + Melissa) */
.tf-partner-stack {
  display: flex;
  flex-direction: column;
}

.tf-partner {
  flex: 1;
  display: flex;
  flex-direction: row;
  align-items: stretch;
  overflow: hidden;
  position: relative;
}

.tf-partner + .tf-partner {
  border-top: 1px solid rgba(255,255,255,.08);
}

.tf-partner-photo {
  width: 120px;
  flex-shrink: 0;
  background: linear-gradient(160deg, var(--navy3) 0%, var(--navy2) 100%);
  overflow: hidden;
}

.tf-partner-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.tf-partner-info {
  padding: 20px 18px;
  display: flex;
  flex-direction: column;
  justify-content: center;
  color: white;
}

.tf-partner-info .tp-badge {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .6rem;
  letter-spacing: .2em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 5px;
}

.tf-partner-info .tp-name {
  font-family: 'Playfair Display', serif;
  font-size: 1rem;
  font-weight: 700;
  color: var(--white);
  margin-bottom: 2px;
}

.tf-partner-info .tp-title {
  font-size: .72rem;
  color: rgba(255,255,255,.4);
  font-family: 'Barlow Condensed', sans-serif;
  letter-spacing: .06em;
  text-transform: uppercase;
}

/* ── Team Grid (Julian, Kristie, Alex, etc.) ── */
.team-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 20px;
}

.team-card {
  background: var(--white);
  border-radius: 8px;
  overflow: hidden;
  box-shadow: var(--shadow);
  border: 1px solid var(--border);
  transition: transform .2s, box-shadow .2s;
  text-align: left;
}

.team-card:hover {
  transform: translateY(-3px);
  box-shadow: 0 10px 32px rgba(14,28,47,.12);
}

.tc-photo {
  height: 240px;                        /* Desktop height */
  background: linear-gradient(160deg, var(--navy3) 0%, var(--navy) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  overflow: hidden;
  position: relative;
}

.tc-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
  transition: transform .55s ease;
}

.tc-info {
  padding: 16px 18px;
}

.tc-name {
  font-family: 'Playfair Display', serif;
  font-size: .95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 3px;
}

.tc-title {
  font-size: .75rem;
  color: var(--text2);
  font-weight: 300;
  margin-bottom: 10px;
  font-family: 'Barlow Condensed', sans-serif;
  letter-spacing: .06em;
  text-transform: uppercase;
}

.tc-bio {
  font-size: .8rem;
  color: var(--text2);
  line-height: 1.65;
  font-weight: 300;
  margin-bottom: 12px;
}

.tc-btn {
  display: inline-block;
  background: var(--teal);
  color: var(--white);
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .65rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 7px 16px;
  border-radius: 4px;
  text-decoration: none;
  transition: background .2s;
}

.tc-btn:hover {
  background: var(--teal2);
}

/* ── MOBILE AGGRESSIVE FIX ── */
@media (max-width: 768px) {
  .team-featured {
    grid-template-columns: 1fr;           /* Stack Caleb section vertically on mobile */
  }
  
  .tf-info {
    border-right: none;
    border-bottom: 1px solid rgba(255,255,255,.07);
    padding: 28px;
  }
  
  .tf-photo {
    min-height: 340px;                    /* Taller Caleb photo on mobile */
  }
  
  .tf-photo img {
    object-position: 50% 15%;             /* Strong top focus - head visible */
  }

  .tf-partner-photo {
    width: 110px;
  }
  
  .tc-photo {
    height: 320px;                        /* More aggressive height for team grid cards */
  }
  
  .tc-photo img {
    object-position: 50% 15%;             /* Strong top bias for all heads */
  }
}

/* Hover zoom effect */
.team-card:hover .tc-photo img,
.tf-photo:hover img {
  transform: scale(1.05);
}

/* Hover zoom effect */
.team-card:hover .tc-photo img,
.tf-photo:hover img {
  transform: scale(1.05);
}

/* Team info styles (unchanged) */
.tc-info {
  padding: 16px 18px;
}

.tc-name {
  font-family: 'Playfair Display', serif;
  font-size: .95rem;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 3px;
}

.tc-title {
  font-size: .75rem;
  color: var(--text2);
  font-weight: 300;
  margin-bottom: 10px;
  font-family: 'Barlow Condensed', sans-serif;
  letter-spacing: .06em;
  text-transform: uppercase;
}

.tc-bio {
  font-size: .8rem;
  color: var(--text2);
  line-height: 1.65;
  font-weight: 300;
  margin-bottom: 12px;
}

.tc-btn {
  display: inline-block;
  background: var(--teal);
  color: var(--white);
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .65rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  padding: 7px 16px;
  border-radius: 4px;
  text-decoration: none;
  transition: background .2s;
}

.tc-btn:hover {
  background: var(--teal2);
}

/* ═══════════════════════════════════════
   FAQ
═══════════════════════════════════════ */
.faq-section {
  background: var(--cream2);
  padding: 80px 32px;
  text-align: center;
}
.faq-inner { max-width: 760px; margin: 0 auto; }

.faq-list { display: flex; flex-direction: column; gap: 10px; margin-top: 0; text-align: left; }
.faq-item {
  background: var(--white); border-radius: 8px;
  border: 1px solid var(--border);
  box-shadow: var(--shadow); overflow: hidden;
}
.faq-head {
  padding: 18px 22px; cursor: pointer;
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  transition: background .2s;
}
.faq-head:hover { background: rgba(34,181,189,.04); }
.faq-q { font-size: .95rem; font-weight: 600; color: var(--navy); line-height: 1.4; }
.faq-icon {
  width: 24px; height: 24px; flex-shrink: 0;
  background: var(--navy); border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  color: var(--white); font-size: .7rem;
  transition: transform .3s, background .2s;
}
.faq-item.open .faq-icon { transform: rotate(45deg); background: var(--teal); }
.faq-body {
  max-height: 0; overflow: hidden;
  padding: 0 22px;
  transition: max-height .35s ease, padding .3s;
  border-top: 0 solid transparent;
}
.faq-item.open .faq-body {
  max-height: 500px;
  padding: 18px 22px 22px;
  border-top: 1px solid var(--border);
}
.faq-body p { font-size: .9rem; color: var(--text2); line-height: 1.82; font-weight: 300; }
.faq-body strong { color: var(--navy); font-weight: 600; }

/* ═══════════════════════════════════════
   CALCULATORS — TABBED
═══════════════════════════════════════ */
.calc-section {
  background: var(--cream);
  padding: 80px 32px;
  text-align: center;
}
.calc-inner { max-width: 760px; margin: 0 auto; }

/* Tab bar */
.calc-tabs {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0; margin-bottom: 0;
  border-radius: 8px 8px 0 0; overflow: hidden;
  box-shadow: var(--shadow);
}
.calc-tab {
  background: var(--white); border: 1px solid var(--border);
  border-bottom: none; padding: 18px 20px;
  cursor: pointer; text-align: left;
  transition: background .2s;
  border-right: none;
}
.calc-tab:last-child { border-right: 1px solid var(--border); }
.calc-tab .ct-title {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .9rem; font-weight: 700; text-transform: uppercase;
  letter-spacing: .06em; color: var(--text2);
  margin-bottom: 3px; transition: color .2s;
}
.calc-tab .ct-sub {
  font-size: .75rem; color: var(--muted, #8A9BB0);
  font-weight: 300; line-height: 1.3;
}
.calc-tab.active {
  background: var(--navy);
}
.calc-tab.active .ct-title { color: var(--white); }
.calc-tab.active .ct-sub   { color: rgba(255,255,255,.45); }
.calc-tab:hover:not(.active) { background: var(--cream); }

/* Calculator panel */
.calc-panel {
  display: none;
  background: var(--white);
  border: 1px solid var(--border);
  border-top: none;
  border-radius: 0 0 10px 10px;
  padding: 32px 36px;
  text-align: left;
  box-shadow: var(--shadow);
}
.calc-panel.active { display: block; }
.calc-panel-title {
  font-family: 'Playfair Display', serif;
  font-size: 1.3rem; font-weight: 700; color: var(--navy);
  margin-bottom: 4px;
}
.calc-panel-sub {
  font-size: .82rem; color: var(--text2); font-weight: 300;
  margin-bottom: 24px;
}

/* Form rows */
.calc-row { margin-bottom: 16px; }
.calc-row label {
  display: block; font-size: .72rem; font-weight: 700;
  color: var(--text2); margin-bottom: 6px;
  font-family: 'Barlow Condensed', sans-serif;
  letter-spacing: .08em; text-transform: uppercase;
}
.calc-row label .opt {
  font-weight: 300; color: var(--muted, #8A9BB0);
  font-style: italic; letter-spacing: 0; text-transform: none; font-size: .7rem;
}
.calc-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }

/* Text inputs */
.calc-input-wrap {
  display: flex; align-items: center;
  border: 1px solid rgba(14,28,47,.18); border-radius: 5px;
  background: var(--cream); overflow: hidden;
  transition: border-color .2s, box-shadow .2s;
}
.calc-input-wrap:focus-within {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(34,181,189,.1);
}
.calc-prefix, .calc-suffix {
  padding: 10px 12px;
  font-size: .88rem; color: var(--text2); font-weight: 400;
  background: rgba(14,28,47,.04); flex-shrink: 0;
  border-right: 1px solid rgba(14,28,47,.1);
}
.calc-suffix { border-right: none; border-left: 1px solid rgba(14,28,47,.1); }
.calc-input-wrap input {
  flex: 1; padding: 10px 12px; border: none; background: transparent;
  font-family: 'Barlow', sans-serif; font-size: .92rem; color: var(--navy);
  outline: none; min-width: 0;
}

/* Toggle buttons */
.toggle-group { display: flex; gap: 0; }
.toggle-btn {
  flex: 1; padding: 10px 8px; border: 1px solid rgba(14,28,47,.18);
  background: var(--cream); color: var(--text2); cursor: pointer;
  font-family: 'Barlow Condensed', sans-serif; font-size: .82rem;
  font-weight: 600; letter-spacing: .06em; text-transform: uppercase;
  transition: background .2s, color .2s; border-right: none;
}
.toggle-btn:last-child { border-right: 1px solid rgba(14,28,47,.18); border-radius: 0 5px 5px 0; }
.toggle-btn:first-child { border-radius: 5px 0 0 5px; }
.toggle-btn.active { background: var(--navy); color: var(--white); border-color: var(--navy); }
.toggle-btn:hover:not(.active) { background: var(--cream2); }

/* Results row */
.calc-results-row {
  display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr));
  gap: 12px; margin: 20px 0 0;
}
.calc-result-item {
  background: var(--navy); border-radius: 6px; padding: 14px 16px; text-align: left;
}
.calc-result-item .cri-label {
  font-size: .65rem; color: rgba(255,255,255,.45);
  font-family: 'Barlow Condensed', sans-serif; text-transform: uppercase;
  letter-spacing: .1em; margin-bottom: 4px;
}
.calc-result-item .cri-val {
  font-family: 'Playfair Display', serif; font-size: 1.25rem;
  font-weight: 700; color: var(--teal);
}

/* Big calculate button */
.calc-submit {
  width: 100%; margin-top: 20px;
  background: var(--navy); color: var(--white);
  border: none; border-radius: 5px; padding: 14px 20px;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .88rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  cursor: pointer; transition: background .2s; display: flex; align-items: center; justify-content: center; gap: 8px;
}
.calc-submit:hover { background: var(--teal); }

.calc-disclaimer {
  font-size: .72rem; color: var(--text2); margin-top: 20px;
  font-style: italic; font-weight: 300; text-align: center; line-height: 1.6;
}

@media(max-width: 560px) {
  .calc-tabs { grid-template-columns: 1fr; }
  .calc-tab { border-bottom: 1px solid var(--border); border-right: 1px solid var(--border) !important; }
  .calc-tab.active { border-bottom: none; }
  .calc-2col { grid-template-columns: 1fr; }
  .calc-panel { padding: 24px 20px; }
}

/* ═══════════════════════════════════════
   CTA SECTION
═══════════════════════════════════════ */
.cta-section {
  position: relative; overflow: hidden;
  padding: 0;
}
.cta-bg {
  position: absolute; inset: 0;
  background:
    linear-gradient(to bottom, rgba(14,28,47,.72) 0%, rgba(14,28,47,.82) 100%),
    url('img/house-exterior.webp') center/cover no-repeat;
}
.cta-content {
  position: relative; z-index: 1;
  max-width: 900px; margin: 0 auto;
  padding: 80px 32px 0;
  text-align: center;
}
.cta-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .72rem; letter-spacing: .35em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 14px; display: block;
}
.cta-content h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 5vw, 3.2rem);
  font-weight: 700; color: var(--white); line-height: 1.15; margin-bottom: 48px;
}
.cta-content h2 em { font-style: italic; color: var(--teal); }

/* Contact icons row */
.cta-contacts {
  display: flex; gap: 0; flex-wrap: wrap;
  justify-content: center; margin-bottom: 0;
}
.cta-contact-item {
  text-align: center; padding: 28px 36px; flex: 1; min-width: 200px;
}
.cci-icon {
  width: 44px; height: 44px; border-radius: 8px;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 12px; font-size: 1.1rem;
  transition: background .2s;
}
.cta-contact-item:hover .cci-icon { background: rgba(34,181,189,.15); border-color: rgba(34,181,189,.3); }
.cci-label {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .62rem; letter-spacing: .2em; text-transform: uppercase;
  color: rgba(255,255,255,.4); margin-bottom: 5px;
}
.cci-val {
  font-size: .92rem; color: rgba(255,255,255,.75); font-weight: 300; line-height: 1.5;
}
.cci-val a { color: var(--teal); text-decoration: none; }
.cci-val a:hover { text-decoration: underline; }

/* Apply today card */
.apply-card {
  position: relative; z-index: 1;
  background: var(--navy2);
  border-top: 1px solid rgba(34,181,189,.15);
  padding: 40px 32px;
  text-align: center;
  margin-top: 0;
}
.apply-card .ac-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .65rem; letter-spacing: .3em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 8px; display: block;
}
.apply-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 700; color: var(--white); margin-bottom: 24px;
}
.apply-card h3 em { font-style: italic; color: var(--teal); }
.apply-form {
  display: flex; gap: 10px; max-width: 600px; margin: 0 auto; flex-wrap: wrap;
}
.apply-form input {
  flex: 1; min-width: 160px;
  padding: 13px 16px; border: 1px solid rgba(255,255,255,.15);
  border-radius: 5px; background: rgba(255,255,255,.06);
  color: var(--white); font-family: 'Barlow', sans-serif; font-size: .9rem;
  transition: border-color .2s;
}
.apply-form input::placeholder { color: rgba(255,255,255,.35); }
.apply-form input:focus { outline: none; border-color: var(--teal); background: rgba(34,181,189,.05); }
.apply-form button {
  background: var(--teal); color: var(--white);
  border: none; border-radius: 5px; padding: 13px 24px;
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .8rem; font-weight: 700; letter-spacing: .12em; text-transform: uppercase;
  cursor: pointer; transition: background .2s; white-space: nowrap;
}
.apply-form button:hover { background: var(--teal2); }

@media(max-width: 680px) {
  .cta-content { padding: 60px 20px 0; }
  .cta-contact-item { padding: 20px 16px; min-width: 140px; }
  .apply-card { padding: 36px 20px; }
  .apply-form { flex-direction: column; }
  .apply-form input, .apply-form button { width: 100%; }
}

/* ═══════════════════════════════════════
   CORE PROMISE BANNER
═══════════════════════════════════════ */
.core-promise-section {
  background: var(--navy);
  padding: 80px 32px;
}
.core-promise-inner {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: center;
}
.cp-statement {
  text-align: center;
  border-right: 1px solid rgba(255,255,255,.08);
  padding-right: 60px;
}
.cp-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .7rem; letter-spacing: .3em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 20px;
}
.cp-heading {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2.2rem, 4vw, 3.4rem);
  font-weight: 800; color: var(--white);
  line-height: 1.1; margin-bottom: 16px;
}
.cp-gold { color: var(--gold); display: block; }
.cp-sub {
  font-size: .95rem; color: rgba(255,255,255,.5);
  font-weight: 300; margin-bottom: 20px;
}
.cp-divider { width: 40px; height: 3px; background: var(--teal); margin: 0 auto 16px; border-radius: 2px; }
.cp-tagline {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .68rem; letter-spacing: .28em; text-transform: uppercase;
  color: var(--gold);
}
.cp-eyebrow-label {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .7rem; letter-spacing: .25em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 14px;
}
.cp-body {
  font-size: .95rem; color: rgba(255,255,255,.6);
  font-weight: 300; line-height: 1.8; margin-bottom: 24px;
}
.cp-list { list-style: none; margin-bottom: 28px; }
.cp-list li {
  display: flex; align-items: flex-start; gap: 14px;
  padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,.06);
}
.cp-list li:last-child { border-bottom: none; }
.cp-check {
  color: var(--teal); font-weight: 700; flex-shrink: 0;
  margin-top: 2px; font-size: 1rem;
}
.cp-list li div { display: flex; flex-direction: column; gap: 2px; }
.cp-list li strong { color: var(--white); font-size: .9rem; font-weight: 600; }
.cp-list li span { color: rgba(255,255,255,.45); font-size: .82rem; font-weight: 300; }

/* ═══════════════════════════════════════
   SOCIAL LINKS
═══════════════════════════════════════ */
.social-links { display: flex; flex-direction: column; gap: 8px; }
.social-link { display: flex; align-items: center; gap: 10px; font-size: .82rem; color: rgba(255,255,255,.45); text-decoration: none; font-weight: 300; transition: color .2s; }
.social-link:hover { color: var(--teal); }
.social-link svg { width: 16px; height: 16px; flex-shrink: 0; opacity: .6; transition: opacity .2s; }
.social-link:hover svg { opacity: 1; }
.social-bar { display: flex; align-items: center; gap: 12px; margin-top: 28px; flex-wrap: wrap; }
.social-bar-label { font-family: 'Barlow Condensed', sans-serif; font-size: .65rem; letter-spacing: .2em; text-transform: uppercase; color: rgba(255,255,255,.3); }
.social-icon-btn { display: flex; align-items: center; justify-content: center; width: 38px; height: 38px; border-radius: 50%; background: rgba(255,255,255,.07); border: 1px solid rgba(255,255,255,.12); color: rgba(255,255,255,.55); text-decoration: none; transition: background .2s, color .2s, border-color .2s, transform .25s; }
.social-icon-btn:hover { background: var(--teal); color: var(--white); border-color: var(--teal); transform: translateY(-3px); }
.social-icon-btn svg { width: 16px; height: 16px; }

/* ═══════════════════════════════════════
   ANIMATIONS
═══════════════════════════════════════ */
@keyframes fadeInUp    { from { opacity:0; transform:translateY(28px); } to { opacity:1; transform:translateY(0); } }
@keyframes shimmer     { 0% { background-position:-200% center; } 100% { background-position:200% center; } }
@keyframes pulse-ring  { 0% { box-shadow:0 0 0 0 rgba(34,181,189,.4); } 70% { box-shadow:0 0 0 14px rgba(34,181,189,0); } 100% { box-shadow:0 0 0 0 rgba(34,181,189,0); } }
@keyframes stepGlow    { from { opacity:0; } to { opacity:.35; } }

/* Scroll reveal */
.reveal { opacity:0; transform:translateY(24px); transition:opacity .7s ease, transform .7s ease; }
.reveal.from-left  { transform:translateX(-28px); }
.reveal.from-right { transform:translateX(28px); }
.reveal.visible    { opacity:1 !important; transform:none !important; }
.reveal.d1 { transition-delay:.1s; } .reveal.d2 { transition-delay:.2s; }
.reveal.d3 { transition-delay:.3s; } .reveal.d4 { transition-delay:.4s; }
.reveal.d5 { transition-delay:.5s; } .reveal.d6 { transition-delay:.6s; }

/* Hero stagger */
.hero-eyebrow { animation:fadeInUp .8s ease both; }
.hero h1      { animation:fadeInUp .9s .15s ease both; }
.hero-sub     { animation:fadeInUp .9s .28s ease both; }
.hero-btns    { animation:fadeInUp .9s .40s ease both; }
.hero-social  { animation:fadeInUp .9s .55s ease both; }

/* Team photo zoom on hover */
.tc-photo img { transition:transform .55s ease; }
.team-card:hover .tc-photo img { transform:scale(1.05); }

/* Solution cards stagger */
.sol-card { opacity:0; transform:translateY(20px); transition:opacity .6s ease, transform .6s ease, background .2s, box-shadow .2s; }
.sol-card.visible { opacity:1; transform:translateY(0); }
.sol-card.d1 { transition-delay:.05s; } .sol-card.d2 { transition-delay:.15s; }
.sol-card.d3 { transition-delay:.25s; } .sol-card.d4 { transition-delay:.35s; }
.sol-card.d5 { transition-delay:.45s; } .sol-card.d6 { transition-delay:.55s; }

/* Trust num shimmer on intersect */
.trust-num { background: linear-gradient(90deg, var(--teal) 0%, #cff 45%, var(--teal) 100%); background-size:200% auto; -webkit-background-clip:text; -webkit-text-fill-color:transparent; background-clip:text; }
.trust-num.shimmer { animation:shimmer 1.8s ease; }

/* Step number hover pulse */
.hiw-num { cursor:default; transition:box-shadow .3s; }
.hiw-num:hover { animation:pulse-ring 1s ease; }
.hiw-num-sm:hover { animation:pulse-ring 1s ease; }

/* Connector reveal */
.hiw-connector { transition:none; }
.steps-anim.visible .hiw-connector { animation:stepGlow .8s .6s ease both; }

/* Base card hover lift */
.base-card { transition:background .25s, border-color .25s, transform .25s; }
.base-card:hover { transform:translateY(-3px); }

/* Review card hover */
.review-card { transition:transform .3s, box-shadow .3s; }
.review-card:hover { transform:translateY(-4px); box-shadow:0 12px 36px rgba(14,28,47,.14); }

/* CTA btn shimmer on hover */
.btn-teal { position:relative; overflow:hidden; }
.btn-teal::after { content:''; position:absolute; inset:0; background:linear-gradient(120deg,transparent 30%,rgba(255,255,255,.15) 50%,transparent 70%); transform:translateX(-100%); }
.btn-teal:hover::after { transform:translateX(100%); transition:transform .5s ease; }

/* ═══════════════════════════════════════
   SERVE TEXAS / BASES
═══════════════════════════════════════ */
.serve-section {
  background: var(--navy2);
  padding: 80px 32px;
}
.serve-inner {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start;
}
.serve-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .7rem; letter-spacing: .28em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 14px;
}
.serve-heading {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 3.5vw, 2.8rem);
  font-weight: 800; color: var(--white);
  line-height: 1.1; margin-bottom: 20px;
}
.serve-heading em { font-style: italic; color: var(--gold); }
.serve-left p { font-size: .92rem; color: rgba(255,255,255,.55); font-weight: 300; line-height: 1.8; margin-bottom: 14px; }
.serve-highlight {
  background: rgba(201,168,76,.12); border-left: 3px solid var(--gold);
  padding: 12px 16px; font-size: .88rem;
  color: var(--gold); font-style: italic; border-radius: 0 4px 4px 0;
  margin-top: 20px;
}
.serve-bases-label {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .68rem; letter-spacing: .25em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 16px;
}
.bases-grid {
  display: grid; grid-template-columns: 1fr 1fr; gap: 10px;
}
.base-card {
  background: rgba(255,255,255,.04);
  border: 1px solid rgba(255,255,255,.07);
  border-radius: 6px; padding: 14px 16px;
  transition: background .2s, border-color .2s;
}
.base-card:hover { background: rgba(34,181,189,.06); border-color: rgba(34,181,189,.2); }
.base-flag { font-size: 1.2rem; display: block; margin-bottom: 6px; }
.base-name { font-family: 'Barlow Condensed', sans-serif; font-size: .9rem; font-weight: 700; color: var(--white); letter-spacing: .04em; }
.base-loc { font-size: .72rem; color: rgba(255,255,255,.38); font-weight: 300; margin-top: 2px; }

/* ═══════════════════════════════════════
   3 SIMPLE STEPS
═══════════════════════════════════════ */
.steps-section {
  background: var(--navy);
  padding: 80px 32px;
  text-align: center;
}
.steps-inner { max-width: 960px; margin: 0 auto; }
.hiw-steps {
  display: grid; grid-template-columns: 1fr 1fr 1fr;
  gap: 0; position: relative; margin-top: 48px;
}
.hiw-connector {
  position: absolute; top: 36px; left: calc(16.66% + 20px); right: calc(16.66% + 20px);
  height: 2px; background: linear-gradient(to right, var(--teal), var(--gold), var(--teal));
  opacity: .35;
}
.hiw-step {
  padding: 0 24px; position: relative; z-index: 1;
}
.hiw-num {
  width: 72px; height: 72px; border-radius: 50%;
  border: 2px solid var(--teal);
  display: flex; align-items: center; justify-content: center;
  margin: 0 auto 20px;
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem; font-weight: 700; color: var(--teal);
  background: var(--navy);
}
.hiw-title {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .72rem; letter-spacing: .18em; text-transform: uppercase;
  color: var(--white); font-weight: 700; margin-bottom: 10px;
}
.hiw-desc {
  font-size: .85rem; color: rgba(255,255,255,.5);
  font-weight: 300; line-height: 1.75; margin-bottom: 14px;
}
.hiw-tag {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .65rem; letter-spacing: .15em; text-transform: uppercase;
  color: var(--teal); opacity: .7;
}

/* ═══════════════════════════════════════
   FAQ + STEPS TWO-COL LAYOUT
═══════════════════════════════════════ */
.faq-steps-section {
  background: var(--cream2);
  padding: 80px 32px;
}
.faq-steps-inner {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: 1fr 1fr; gap: 60px; align-items: start;
}
.faq-left .faq-list { margin-top: 0; }
.steps-right { padding-top: 4px; }
.hiw-steps-vert { display: flex; flex-direction: column; gap: 0; }
.hiw-step-vert {
  display: flex; align-items: flex-start; gap: 18px;
  padding: 20px 0; border-bottom: 1px solid var(--border);
  position: relative;
}
.hiw-step-vert:last-child { border-bottom: none; }
.hiw-num-sm {
  width: 44px; height: 44px; border-radius: 50%;
  border: 2px solid var(--teal); flex-shrink: 0;
  display: flex; align-items: center; justify-content: center;
  font-family: 'Playfair Display', serif;
  font-size: 1.1rem; font-weight: 700; color: var(--teal);
  background: var(--white);
}
.hiw-step-body { flex: 1; }
.hiw-title-dark {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .78rem; letter-spacing: .15em; text-transform: uppercase;
  color: var(--navy); font-weight: 700; margin-bottom: 6px;
}
.hiw-desc-dark {
  font-size: .85rem; color: var(--text2);
  font-weight: 300; line-height: 1.7; margin-bottom: 8px;
}
.hiw-tag-dark {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .65rem; letter-spacing: .12em; text-transform: uppercase;
  color: var(--teal);
}

/* ═══════════════════════════════════════
   FOOTER
═══════════════════════════════════════ */
footer {
  background: #080F19;
  padding: 48px 32px 28px;
}
.footer-inner {
  max-width: 1100px; margin: 0 auto;
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr 1fr; gap: 32px;
  margin-bottom: 40px;
}
.footer-brand h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1.1rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase;
  color: var(--white); margin-bottom: 12px;
}
.footer-brand h3 span { color: var(--teal); }
.footer-brand p {
  font-size: .82rem; color: rgba(255,255,255,.35);
  font-weight: 300; line-height: 1.75; max-width: 280px;
}
.footer-col h4 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .7rem; letter-spacing: .2em; text-transform: uppercase;
  color: rgba(255,255,255,.4); margin-bottom: 14px; font-weight: 600;
}
.footer-col ul { list-style: none; }
.footer-col ul li { margin-bottom: 8px; }
.footer-col ul li a {
  font-size: .83rem; color: rgba(255,255,255,.45); text-decoration: none;
  transition: color .2s; font-weight: 300;
}
.footer-col ul li a:hover { color: var(--teal); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.06);
  padding-top: 24px;
  display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px;
}
.footer-bottom .fb-legal {
  font-size: .72rem; color: rgba(255,255,255,.22); line-height: 1.6;
  font-weight: 300; max-width: 700px;
}
.footer-bottom .fb-copy {
  font-size: .72rem; color: rgba(255,255,255,.22); white-space: nowrap;
}

/* ═══════════════════════════════════════
   UTILITIES
═══════════════════════════════════════ */
.gold-divider {
  width: 50px; height: 3px; background: var(--teal);
  margin: 12px auto 36px; border-radius: 2px;
}
.gold-divider.left { margin-left: 0; }
.mb-48 { margin-bottom: 48px; }

/* ═══════════════════════════════════════
   MOBILE
═══════════════════════════════════════ */
@media(max-width: 900px) {
  .solution-grid { grid-template-columns: 1fr 1fr; }
  /* team-featured: stack photo | info on top, partner stack below */
  .team-featured {
    grid-template-columns: 1fr 1fr;
    grid-template-rows: auto auto;
  }
  .tf-photo { min-height: 280px; grid-row: 1; grid-column: 1; }
  .tf-info   { grid-row: 1; grid-column: 2; }
  .tf-partner-stack { grid-row: 2; grid-column: 1 / -1; flex-direction: row; }
  .tf-partner { flex: 1; }
  .tf-partner + .tf-partner { border-top: none; border-left: 1px solid rgba(255,255,255,.08); }
  .footer-inner { grid-template-columns: 1fr 1fr; }
  .cta-contacts { justify-content: center; }
}
@media(max-width: 680px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .nav-links.open {
    display: flex; flex-direction: column;
    position: fixed; top: 56px; left: 0; right: 0; bottom: 0;
    background: var(--navy); padding: 32px 24px;
    z-index: 999; gap: 8px;
  }
  .nav-links.open a { font-size: 1.1rem; padding: 10px 0; }
  .no-min-inner { grid-template-columns: 1fr; }
  .solution-grid { grid-template-columns: 1fr; }
  /* on small screens stack everything vertically */
  .team-featured {
    grid-template-columns: 1fr;
    grid-template-rows: auto;
  }
  .tf-photo { min-height: 240px; grid-row: auto; grid-column: auto; }
  .tf-info   { grid-row: auto; grid-column: auto; border-right: none; }
  .tf-partner-stack { grid-row: auto; grid-column: auto; flex-direction: column; }
  .tf-partner { flex-direction: row; }
  .tf-partner + .tf-partner { border-left: none; border-top: 1px solid rgba(255,255,255,.08); }
  .tf-partner-photo { width: 100px; }
  .team-grid { grid-template-columns: 1fr 1fr; }
  .footer-inner { grid-template-columns: 1fr; gap: 28px; }
  .hero-content { padding: 120px 0 80px; }
  .no-min-section,
  .solution-section,
  .core-promise-section,
  .serve-section,
  .steps-section,
  .reviews-section,
  .team-section,
  .faq-section,
  .cta-section { padding: 60px 20px; }
  .core-promise-inner { grid-template-columns: 1fr; }
  .cp-statement { border-right: none; padding-right: 0; border-bottom: 1px solid rgba(255,255,255,.08); padding-bottom: 40px; margin-bottom: 40px; }
  .serve-inner { grid-template-columns: 1fr; gap: 40px; }
  .hiw-steps { grid-template-columns: 1fr; gap: 32px; }
  .hiw-connector { display: none; }
  .faq-steps-inner { grid-template-columns: 1fr; gap: 40px; }
  footer { padding: 40px 20px 24px; }
  .cta-contacts { gap: 20px; }
}
@media(max-width: 440px) {
  .team-grid { grid-template-columns: 1fr; }
  .tc-photo { height: 280px; }
  .review-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════
   NAV SOCIAL ICONS
═══════════════════════════════════════ */
.nav-social-row {
  display: flex;
  align-items: center;
  gap: 4px;
  flex-shrink: 0;
}
.nav-social-btn {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 30px;
  height: 30px;
  border-radius: 50%;
  color: rgba(255,255,255,.45);
  text-decoration: none;
  transition: color .2s, background .2s;
  flex-shrink: 0;
}
.nav-social-btn svg { width: 14px; height: 14px; }
.nav-social-btn:hover { color: var(--teal); background: rgba(255,255,255,.06); }
/* Hide social row on medium screens to avoid crowding; show on wide */
@media(max-width: 1100px) { .nav-social-row { display: none; } }
/* Also hide below the mobile toggle breakpoint (already hidden by parent collapse) */

/* nav-active state for current page links */
.nav-links a.nav-active { color: var(--teal); }

/* ═══════════════════════════════════════
   TEAM PHOTO — MOBILE FULL-HEAD FIX
   Raise height on all mobile breakpoints
   so heads are never cut off
═══════════════════════════════════════ */
@media(max-width: 768px) {
  .tc-photo {
    height: 360px;              /* was 320px — gives more forehead room */
  }
  .tc-photo img {
    object-position: 50% 8%;   /* tight top bias — shows full head */
  }
}
@media(max-width: 440px) {
  .team-grid { grid-template-columns: 1fr; }
  .tc-photo {
    height: 380px;              /* full-width single-column = more height needed */
  }
  .tc-photo img {
    object-position: 50% 5%;
  }
  .review-grid { grid-template-columns: 1fr; }
}

/* ═══════════════════════════════════════
   FOOTER BOTTOM — CLEANUP + BIS CREDIT
═══════════════════════════════════════ */
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.06);
  padding-top: 28px;
  margin-top: 40px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 16px;
  text-align: center;
  max-width: 900px;
  margin-left: auto;
  margin-right: auto;
}
.footer-bottom .fb-legal {
  font-size: .72rem;
  color: rgba(255,255,255,.22);
  line-height: 1.72;
  font-weight: 300;
  text-align: center;
}
.footer-bottom .fb-legal a {
  color: rgba(255,255,255,.38);
  text-decoration: none;
  transition: color .2s;
}
.footer-bottom .fb-legal a:hover { color: var(--teal); }
.footer-bottom .fb-legal strong { color: rgba(255,255,255,.38); font-weight: 600; }

.fb-copy {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  font-size: .72rem;
  color: rgba(255,255,255,.22);
}
.fb-bis {
  display: flex;
  align-items: center;
  gap: 8px;
  flex-wrap: wrap;
  justify-content: center;
}
.fb-bis span { font-size: .68rem; color: rgba(255,255,255,.2); }
.fb-bis a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  text-decoration: none;
  transition: opacity .2s;
  opacity: .4;
}
.fb-bis a:hover { opacity: .7; }
.fb-bis img { height: 16px; filter: brightness(0) invert(1); }
.fb-bis-text {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: rgba(255,255,255,.5);
}
/* ═══════════════════════════════════════
   CALCULATOR PAGE — PAGE HEADER
   (exact from calculator.html reference)
═══════════════════════════════════════ */
.page-header {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy3) 100%);
  padding: 120px 32px 60px;
  text-align: center;
  position: relative;
  overflow: hidden;
}
.page-header::before {
  content: '';
  position: absolute; top: -80px; right: -80px;
  width: 500px; height: 500px; border-radius: 50%;
  background: rgba(34,181,189,.05);
  pointer-events: none;
}
.page-header .ph-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .7rem; letter-spacing: .3em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 14px;
}
.page-header h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(2rem, 4vw, 3rem);
  font-weight: 800; color: var(--white);
  line-height: 1.1; margin-bottom: 16px;
}
.page-header h1 em { font-style: italic; color: rgba(255,255,255,.85); }
.page-header p {
  font-size: 1rem; color: rgba(255,255,255,.55);
  font-weight: 300; max-width: 520px; margin: 0 auto;
}

/* Calculator section override — wider max-width for standalone page */
.calc-section { padding: 64px 32px 80px; }
.calc-inner { max-width: 820px; margin: 0 auto; }

/* CTA Strip */
.cta-strip {
  background: var(--navy2);
  padding: 48px 32px;
  text-align: center;
}
.cta-strip h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.5rem, 3vw, 2.2rem);
  font-weight: 700; color: var(--white); margin-bottom: 10px;
}
.cta-strip h2 em { font-style: italic; color: var(--teal); }
.cta-strip p { font-size: .9rem; color: rgba(255,255,255,.5); font-weight: 300; margin-bottom: 24px; }
.cta-strip .btn-outline {
  display: inline-block;
  border: 1px solid rgba(255,255,255,.25); color: rgba(255,255,255,.7);
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .78rem; font-weight: 700; letter-spacing: .15em; text-transform: uppercase;
  padding: 14px 28px; border-radius: 4px; text-decoration: none;
  transition: all .2s; margin-left: 12px;
}
.cta-strip .btn-outline:hover { border-color: var(--teal); color: var(--teal); }

/* Calculator page mobile */
@media(max-width: 680px) {
  .page-header { padding: 100px 20px 48px; }
  .calc-section { padding: 40px 20px 60px; }
  .cta-strip { padding: 40px 20px; }
  .cta-strip .btn-outline { margin-left: 0; margin-top: 12px; display: inline-block; }
}
@media(max-width: 440px) {
  .calc-tabs { grid-template-columns: 1fr; }
  .calc-tab { border-bottom: 1px solid var(--border); border-right: 1px solid var(--border) !important; }
  .calc-tab.active { border-bottom: none; }
  .calc-2col { grid-template-columns: 1fr; }
  .calc-panel { padding: 24px 20px; }
}

/* ═══════════════════════════════════════
   VA HANDBOOK PAGE
   (exact from va-handbook.html reference)
═══════════════════════════════════════ */

/* Jump nav */
.jump-nav {
  background: var(--navy2);
  border-bottom: 1px solid rgba(34,181,189,.12);
  position: sticky; top: 52px; z-index: 950;
}
.jump-nav-inner {
  max-width: 1100px; margin: 0 auto; padding: 0 32px;
  display: flex; flex-wrap: wrap; gap: 4px 0;
  justify-content: center;
}
.jump-link {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .72rem; letter-spacing: .1em; text-transform: uppercase;
  color: rgba(255,255,255,.42); text-decoration: none;
  padding: 13px 16px; display: block;
  border-bottom: 2px solid transparent;
  transition: color .2s, border-color .2s;
}
.jump-link:hover { color: var(--white); border-color: rgba(34,181,189,.45); }
.jump-link.active { color: var(--teal); border-color: var(--teal); }

@media(max-width: 680px) {
  .jump-nav-inner { padding: 0 16px; justify-content: flex-start; }
  .jump-link { font-size: .68rem; padding: 10px 12px; }
}
.jump-nav::-webkit-scrollbar { height: 3px; }
.jump-nav::-webkit-scrollbar-thumb { background: rgba(34,181,189,.35); border-radius: 2px; }
.jump-nav-inner {
  max-width: 1200px; margin: 0 auto; padding: 0 32px;
  display: flex; white-space: nowrap;
}
.jump-link {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .72rem; letter-spacing: .1em; text-transform: uppercase;
  color: rgba(255,255,255,.42); text-decoration: none;
  padding: 13px 16px; display: block;
  border-bottom: 2px solid transparent;
  transition: color .2s, border-color .2s; flex-shrink: 0;
}
.jump-link:hover { color: var(--white); border-color: rgba(34,181,189,.45); }
.jump-link.active { color: var(--teal); border-color: var(--teal); }

/* Page hero */
.page-hero {
  background: var(--navy);
  padding: 110px 32px 64px;
  text-align: center;
  position: relative; overflow: hidden;
}
.page-hero::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background:
    radial-gradient(ellipse 70% 50% at 50% 0%, rgba(34,181,189,.11) 0%, transparent 65%),
    radial-gradient(ellipse 40% 35% at 100% 100%, rgba(201,168,76,.07) 0%, transparent 55%);
}
.breadcrumb {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .65rem; letter-spacing: .2em; text-transform: uppercase;
  color: rgba(255,255,255,.3); margin-bottom: 16px;
  display: flex; align-items: center; justify-content: center; gap: 8px;
  position: relative; z-index: 1;
}
.breadcrumb a { color: var(--teal); text-decoration: none; }
.breadcrumb a:hover { text-decoration: underline; }
.hero-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .7rem; letter-spacing: .32em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 14px; display: block;
  position: relative; z-index: 1;
}
.page-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.9rem, 4.5vw, 3.2rem);
  font-weight: 800; color: var(--white); line-height: 1.1;
  margin-bottom: 16px; max-width: 780px;
  margin-left: auto; margin-right: auto;
  position: relative; z-index: 1;
}
.page-hero h1 em { font-style: italic; color: var(--teal); }
.page-hero p {
  font-size: 1rem; font-weight: 300; color: rgba(255,255,255,.6);
  max-width: 600px; margin: 0 auto 32px; line-height: 1.82;
  position: relative; z-index: 1;
}
.hero-stats {
  display: flex; gap: 32px; flex-wrap: wrap; justify-content: center;
  margin-bottom: 36px; position: relative; z-index: 1;
}
.hero-stat { border-left: 2px solid var(--teal); padding-left: 16px; text-align: left; }
.hs-num {
  font-family: 'Playfair Display', serif;
  font-size: 1.6rem; font-weight: 700; color: var(--teal); line-height: 1;
}
.hs-lbl {
  font-size: .68rem; color: rgba(255,255,255,.42); font-weight: 300;
  font-family: 'Barlow Condensed', sans-serif; letter-spacing: .1em;
  text-transform: uppercase; margin-top: 3px;
}

/* Main layout */
.page-wrap {
  max-width: 1200px; margin: 0 auto;
  padding: 60px 32px 80px;
  display: grid; grid-template-columns: 1fr 300px; gap: 52px; align-items: start;
}
.main-content { min-width: 0; }

/* Handbook sections */
.hb-section { margin-bottom: 68px; scroll-margin-top: 128px; }
.section-tag {
  display: inline-flex; align-items: center; gap: 8px;
  background: var(--navy); color: var(--white);
  font-family: 'Barlow Condensed', sans-serif; font-size: .65rem;
  font-weight: 700; letter-spacing: .15em; text-transform: uppercase;
  padding: 5px 12px; border-radius: 4px; margin-bottom: 14px;
}
.hb-section.featured .section-tag { background: var(--teal); }
.hb-section h2 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 700; color: var(--navy);
  line-height: 1.2; margin-bottom: 8px;
}
.hb-section h2 em { font-style: italic; color: var(--teal); }
.teal-bar { width: 44px; height: 3px; background: var(--teal); border-radius: 2px; margin: 12px 0 22px; }
.section-lead {
  font-size: 1rem; font-weight: 400; color: var(--text2);
  line-height: 1.85; margin-bottom: 24px; max-width: 680px;
}
.hb-section h3 {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: 1rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase;
  color: var(--navy); margin: 28px 0 10px; padding-bottom: 8px;
  border-bottom: 1px solid var(--border);
}
.hb-section p {
  font-size: .95rem; color: var(--text2); line-height: 1.88;
  font-weight: 300; margin-bottom: 16px;
}
.hb-section p strong { color: var(--navy); font-weight: 600; }
.hb-section p:last-child { margin-bottom: 0; }

/* Quote block */
.quote-block {
  background: var(--navy); border-radius: 8px; padding: 26px 32px;
  margin: 26px 0; position: relative; overflow: hidden;
}
.quote-block::before {
  content: '\201C'; font-family: 'Playfair Display', serif;
  font-size: 6rem; color: var(--teal); opacity: .14;
  position: absolute; top: -8px; left: 14px; line-height: 1;
}
.quote-block blockquote {
  font-family: 'Playfair Display', serif; font-style: italic;
  font-size: clamp(1rem, 2vw, 1.15rem); color: var(--white);
  line-height: 1.76; margin-bottom: 10px; padding-left: 8px;
}
.quote-block cite {
  font-family: 'Barlow Condensed', sans-serif; font-size: .68rem;
  letter-spacing: .18em; text-transform: uppercase;
  color: rgba(255,255,255,.32); padding-left: 8px;
}

/* Key/warn callouts */
.key-point {
  background: rgba(34,181,189,.08); border-left: 3px solid var(--teal);
  border-radius: 0 6px 6px 0; padding: 14px 20px; margin: 18px 0;
  font-size: .95rem; color: var(--navy); line-height: 1.72;
}
.key-point strong { font-weight: 700; }
.warn-point {
  background: rgba(139,26,26,.06); border-left: 3px solid #8B1A1A;
  border-radius: 0 6px 6px 0; padding: 14px 20px; margin: 18px 0;
  font-size: .9rem; color: var(--text); line-height: 1.72; font-weight: 300;
}
.warn-point strong { color: #8B1A1A; font-weight: 600; }

/* Check list */
.check-list { list-style: none; margin: 14px 0 22px; }
.check-list li {
  display: flex; align-items: flex-start; gap: 12px;
  font-size: .92rem; color: var(--text2); font-weight: 300; line-height: 1.7;
  padding: 8px 0; border-bottom: 1px solid rgba(14,28,47,.05);
}
.check-list li:last-child { border-bottom: none; }
.ci { color: var(--teal); font-weight: 700; flex-shrink: 0; margin-top: 2px; }
.check-list li strong { color: var(--navy); font-weight: 600; }

/* Data table */
.data-table {
  width: 100%; border-collapse: collapse; margin: 18px 0 26px;
  border-radius: 8px; overflow: hidden; box-shadow: var(--shadow);
}
.data-table thead { background: var(--navy); }
.data-table thead th {
  padding: 12px 16px; font-family: 'Barlow Condensed', sans-serif;
  font-size: .72rem; letter-spacing: .12em; text-transform: uppercase;
  color: var(--white); text-align: left; font-weight: 600;
}
.data-table tbody tr { background: var(--white); border-bottom: 1px solid var(--border); transition: background .15s; }
.data-table tbody tr:last-child { border-bottom: none; }
.data-table tbody tr:hover { background: rgba(34,181,189,.04); }
.data-table tbody td {
  padding: 12px 16px; font-size: .88rem; color: var(--text2);
  font-weight: 300; vertical-align: top; line-height: 1.5;
}
.data-table tbody td:first-child { font-weight: 600; color: var(--navy); }
.section-divider { border: none; border-top: 1px solid var(--border); margin: 56px 0; }

/* Sidebar */
.sidebar { position: sticky; top: 112px; }
.sb-card {
  background: var(--white); border-radius: 10px;
  border: 1px solid var(--border); box-shadow: var(--shadow);
  overflow: hidden; margin-bottom: 20px;
}
.sb-head { background: var(--navy); padding: 14px 18px; }
.sb-head h4 {
  font-family: 'Barlow Condensed', sans-serif; font-size: .78rem;
  font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--white);
  margin: 0;
}
.sb-sub { font-size: .7rem; color: rgba(255,255,255,.38); margin-top: 2px; font-weight: 300; }
.sb-body { padding: 18px; }
.sb-cta {
  background: var(--navy); border-radius: 10px; padding: 26px 22px;
  text-align: center; box-shadow: 0 8px 32px rgba(14,28,47,.2);
  margin-bottom: 20px; position: relative; overflow: hidden;
}
.sb-cta::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse 80% 60% at 50% 100%, rgba(34,181,189,.1) 0%, transparent 70%);
}
.sb-cta h4 {
  font-family: 'Playfair Display', serif; font-size: 1.1rem; font-weight: 700;
  color: var(--white); margin-bottom: 8px; line-height: 1.3; position: relative;
}
.sb-cta h4 em { font-style: italic; color: var(--teal); }
.sb-cta p { font-size: .82rem; color: rgba(255,255,255,.45); font-weight: 300; margin-bottom: 18px; line-height: 1.6; position: relative; }
.sb-cta-btn {
  display: block; background: var(--teal); color: var(--white);
  font-family: 'Barlow Condensed', sans-serif; font-size: .78rem; font-weight: 700;
  letter-spacing: .14em; text-transform: uppercase; padding: 11px 20px;
  border-radius: 4px; text-decoration: none; transition: background .2s;
  margin-bottom: 10px; position: relative;
}
.sb-cta-btn:hover { background: var(--teal2); }
.sb-cta-tel { font-size: .8rem; color: rgba(255,255,255,.38); text-decoration: none; display: block; position: relative; }
.sb-cta-tel:hover { color: var(--teal); }
.ch-nav { list-style: none; }
.ch-nav li { border-bottom: 1px solid var(--border); }
.ch-nav li:last-child { border-bottom: none; }
.ch-nav a {
  display: flex; align-items: center; gap: 10px; padding: 10px 2px;
  font-size: .85rem; color: var(--text2); text-decoration: none;
  transition: color .2s; line-height: 1.4;
}
.ch-nav a:hover, .ch-nav a.active { color: var(--teal); }
.ch-nav a.active { font-weight: 600; }
.ch-tag {
  font-family: 'Barlow Condensed', sans-serif; font-size: .6rem; letter-spacing: .1em;
  background: rgba(34,181,189,.1); color: var(--teal); padding: 2px 7px;
  border-radius: 3px; flex-shrink: 0; font-weight: 700; text-transform: uppercase;
}
.ch-tag.star { background: rgba(34,181,189,.22); }
.fact-item {
  display: flex; align-items: flex-start; gap: 10px;
  padding: 10px 0; border-bottom: 1px solid var(--border);
}
.fact-item:last-child { border-bottom: none; }
.fact-icon { font-size: 1rem; flex-shrink: 0; margin-top: 1px; }
.fact-label { font-weight: 600; color: var(--navy); font-size: .82rem; display: block; margin-bottom: 1px; }
.fact-note { color: var(--text2); font-size: .8rem; font-weight: 300; line-height: 1.5; }

/* Callout band */
.callout-band { background: var(--navy2); padding: 60px 32px; text-align: center; }
.callout-band .cb-inner { max-width: 700px; margin: 0 auto; }
.callout-band blockquote {
  font-family: 'Playfair Display', serif; font-style: italic;
  font-size: clamp(1.05rem, 2.5vw, 1.35rem); color: rgba(255,255,255,.85);
  line-height: 1.78; margin-bottom: 10px;
  border-left: 3px solid var(--teal); padding-left: 22px; text-align: left;
}
.callout-band cite {
  font-family: 'Barlow Condensed', sans-serif; font-size: .68rem;
  letter-spacing: .2em; text-transform: uppercase;
  color: rgba(255,255,255,.28); padding-left: 22px;
  display: block; margin-bottom: 32px; text-align: left;
}

/* VA Handbook mobile */
@media(max-width: 900px) {
  .page-wrap { grid-template-columns: 1fr; gap: 40px; }
  .sidebar { position: static; display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
  .sb-cta { grid-column: 1 / -1; }
}
@media(max-width: 680px) {
  .nav-inner { padding: 0 20px; }
  .jump-nav-inner { padding: 0 16px; }
  .page-hero { padding: 90px 20px 52px; }
  .hero-stats { gap: 18px; }
  .page-wrap { padding: 40px 20px 60px; }
  .sidebar { grid-template-columns: 1fr; }
  .callout-band { padding: 48px 20px; }
}
@media(max-width: 420px) {
  .hero-stats { flex-direction: column; gap: 14px; }
  .data-table { font-size: .78rem; }
  .data-table thead th,
  .data-table tbody td { padding: 10px 12px; }
}

/* ═══════════════════════════════════════
   LEGAL / CONTENT PAGES
   (e-consent, ada, rov-form)
═══════════════════════════════════════ */

/* Page header — matches page-hero but simpler */
.content-hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy3) 100%);
  padding: 120px 32px 56px;
  position: relative; overflow: hidden;
}
.content-hero::before {
  content: ''; position: absolute; inset: 0; pointer-events: none;
  background: radial-gradient(ellipse 60% 80% at 0% 50%, rgba(34,181,189,.07) 0%, transparent 60%);
}
.content-hero-inner { max-width: 900px; margin: 0 auto; position: relative; z-index: 1; }
.content-eyebrow {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .65rem; letter-spacing: .3em; text-transform: uppercase;
  color: var(--teal); margin-bottom: 12px; display: block;
}
.content-hero h1 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.8rem, 4vw, 2.8rem);
  font-weight: 800; color: var(--white); line-height: 1.1; margin-bottom: 10px;
}
.content-hero h1 em { font-style: italic; color: var(--teal); }
.content-hero p {
  font-size: .95rem; color: rgba(255,255,255,.5); font-weight: 300;
}

/* Legal nav bar */
.legal-nav {
  background: var(--navy2); border: 1px solid var(--border);
  border-radius: 6px; padding: 18px 24px; margin-bottom: 28px;
}
.legal-nav-label {
  font-family: 'Barlow Condensed', sans-serif;
  font-size: .65rem; font-weight: 700; color: var(--teal);
  text-transform: uppercase; letter-spacing: .2em; margin-bottom: 12px;
}
.legal-nav-links { display: flex; flex-wrap: wrap; gap: 8px; }
.legal-nav-link {
  font-family: 'Barlow Condensed', sans-serif; font-size: .7rem;
  font-weight: 600; color: var(--text2); text-decoration: none;
  padding: 5px 12px; border: 1px solid var(--border); border-radius: 3px;
  text-transform: uppercase; letter-spacing: .06em;
  transition: all .2s;
}
.legal-nav-link:hover,
.legal-nav-link.active { color: var(--teal); border-color: rgba(34,181,189,.35); background: rgba(34,181,189,.05); }

/* Content wrap */
.content-wrap { max-width: 900px; margin: 0 auto; padding: 52px 32px 80px; }
.content-wrap-wide { max-width: 960px; margin: 0 auto; padding: 52px 32px 80px; }

/* Content card */
.content-card {
  background: var(--white); border-radius: 8px;
  border: 1px solid var(--border); box-shadow: var(--shadow);
  padding: 44px 48px; margin-bottom: 24px;
  position: relative; overflow: hidden;
}
.content-card::before {
  content: ''; position: absolute; top: 0; left: 0; right: 0; height: 3px;
  background: linear-gradient(90deg, var(--teal), var(--teal2));
}
.content-card h2 {
  font-family: 'Playfair Display', serif;
  font-size: 1.2rem; font-weight: 700; color: var(--navy);
  margin: 28px 0 14px; padding-bottom: 10px;
  border-bottom: 1px solid var(--border);
  display: flex; align-items: center; gap: 10px;
}
.content-card h2:first-of-type { margin-top: 0; }
.content-card h3 {
  font-family: 'Playfair Display', serif;
  font-size: 1rem; font-weight: 700; color: var(--teal);
  margin: 22px 0 10px;
}
.content-card p {
  font-size: .95rem; color: var(--text2); line-height: 1.85; margin-bottom: 16px;
}
.content-card p:last-child { margin-bottom: 0; }
.content-card p strong { color: var(--navy); font-weight: 600; }
.content-card a { color: var(--teal); text-decoration: none; }
.content-card a:hover { text-decoration: underline; }
.card-dot { width: 6px; height: 6px; background: var(--teal); border-radius: 50%; flex-shrink: 0; }

/* Feature list */
.feature-list { list-style: none; margin: 8px 0 20px; display: flex; flex-direction: column; gap: 10px; }
.feature-list li {
  display: flex; align-items: flex-start; gap: 12px;
  font-size: .92rem; color: var(--text2); line-height: 1.7;
}
.feature-list li::before {
  content: '✓'; color: var(--teal); font-weight: 700; flex-shrink: 0; margin-top: 1px;
}
.feature-list li strong { color: var(--navy); font-weight: 600; }

/* Bullet list (e-consent) */
.bullet-list { list-style: none; margin: 8px 0 16px; display: flex; flex-direction: column; gap: 9px; }
.bullet-list li {
  display: flex; align-items: flex-start; gap: 12px;
  font-size: .92rem; color: var(--text2); line-height: 1.7;
}
.bullet-list li::before {
  content: '◆'; color: var(--teal); font-size: .5rem; flex-shrink: 0; margin-top: 5px;
}

/* Info grid (system req icons) */
.info-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 14px; margin: 16px 0; }
.info-tile {
  background: rgba(34,181,189,.05); border: 1px solid rgba(34,181,189,.15);
  border-radius: 6px; padding: 18px 20px;
}
.info-tile-icon { font-size: 1.4rem; margin-bottom: 8px; display: block; }
.info-tile-label {
  font-family: 'Barlow Condensed', sans-serif; font-size: .65rem;
  font-weight: 700; color: var(--teal); text-transform: uppercase;
  letter-spacing: .15em; margin-bottom: 6px;
}
.info-tile-text { font-size: .85rem; color: var(--text2); line-height: 1.6; }

/* Contact tiles */
.contact-tiles { display: grid; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); gap: 14px; margin-top: 24px; }
.c-tile {
  background: rgba(34,181,189,.05); border: 1px solid rgba(34,181,189,.15);
  border-radius: 6px; padding: 18px 20px;
}
.c-tile-label {
  font-family: 'Barlow Condensed', sans-serif; font-size: .65rem;
  font-weight: 700; color: var(--teal); text-transform: uppercase;
  letter-spacing: .15em; margin-bottom: 8px;
}
.c-tile-val { font-size: .9rem; color: var(--navy); font-weight: 500; }
.c-tile-val a { color: var(--teal); text-decoration: none; }
.c-tile-val a:hover { text-decoration: underline; }

/* Contact info box (e-consent) */
.contact-box {
  display: flex; flex-wrap: wrap; gap: 12px; margin-top: 22px;
  padding: 18px 22px; background: var(--cream); border: 1px solid var(--border); border-radius: 6px;
}
.contact-box-item { display: flex; flex-direction: column; gap: 3px; flex: 1; min-width: 140px; }
.contact-box-label {
  font-family: 'Barlow Condensed', sans-serif; font-size: .65rem;
  font-weight: 700; color: var(--teal); text-transform: uppercase; letter-spacing: .15em;
}
.contact-box-val { font-size: .87rem; color: var(--text2); }
.contact-box-val a { color: var(--teal); text-decoration: none; }

/* Warning / note boxes */
.warn-box {
  background: rgba(34,181,189,.06); border: 1px solid rgba(34,181,189,.2);
  border-radius: 6px; padding: 18px 22px; margin-top: 24px;
}
.warn-box p { font-size: .88rem; color: var(--text2); margin-bottom: 0; line-height: 1.75; }
.warn-box p strong { color: var(--navy); }

/* Commitment box */
.commit-box {
  display: flex; gap: 18px; align-items: flex-start;
  background: var(--cream2); border: 1px solid var(--border);
  border-radius: 8px; padding: 28px 32px; margin-top: 32px;
}
.commit-icon { font-size: 2rem; flex-shrink: 0; }
.commit-box h4 {
  font-family: 'Playfair Display', serif; font-size: 1rem;
  font-weight: 700; color: var(--navy); margin-bottom: 6px;
}
.commit-box p { font-size: .88rem; color: var(--text2); line-height: 1.75; margin: 0; }

/* Content page CTA strip */
.content-cta {
  background: var(--navy); padding: 48px 32px; text-align: center;
}
.content-cta h3 {
  font-family: 'Playfair Display', serif;
  font-size: clamp(1.4rem, 3vw, 2rem);
  font-weight: 700; color: var(--white); margin-bottom: 10px;
}
.content-cta h3 em { font-style: italic; color: var(--teal); }
.content-cta p { font-size: .9rem; color: rgba(255,255,255,.5); font-weight: 300; margin-bottom: 24px; }

/* Legal footnote */
.legal-note {
  font-size: .75rem; color: var(--text2); margin-top: 26px; line-height: 1.7;
}
.legal-note a { color: var(--teal); text-decoration: none; }

/* Section divider */
hr.content-divider { border: none; border-top: 1px solid var(--border); margin: 28px 0; }

/* ── ROV FORM STYLES ── */
.form-group { margin-bottom: 20px; }
.form-label {
  display: block; font-family: 'Barlow Condensed', sans-serif;
  font-size: .7rem; font-weight: 700; color: var(--text2);
  text-transform: uppercase; letter-spacing: .1em; margin-bottom: 7px;
}
.form-label .req { color: var(--teal); }
.form-input,
.form-textarea,
.form-select {
  width: 100%; background: var(--cream);
  border: 1.5px solid var(--border); border-radius: 5px;
  padding: 12px 16px; font-family: 'Barlow', sans-serif;
  font-size: .92rem; color: var(--navy); outline: none;
  transition: border-color .2s, box-shadow .2s;
}
.form-input::placeholder, .form-textarea::placeholder { color: var(--text2); opacity: .5; }
.form-input:focus, .form-textarea:focus, .form-select:focus {
  border-color: var(--teal);
  box-shadow: 0 0 0 3px rgba(34,181,189,.1);
}
.form-textarea { resize: vertical; min-height: 120px; }
.form-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-3col { display: grid; grid-template-columns: 1fr 1fr 1fr; gap: 12px; }

.comp-card {
  background: var(--cream2); border: 1px solid var(--border);
  border-radius: 6px; padding: 22px 24px; margin-bottom: 20px;
}
.comp-card-title {
  font-family: 'Barlow Condensed', sans-serif; font-size: .72rem;
  font-weight: 700; color: var(--teal); text-transform: uppercase;
  letter-spacing: .15em; margin-bottom: 16px; padding-bottom: 8px;
  border-bottom: 1px solid var(--border);
}
.form-submit {
  width: 100%; padding: 16px; background: var(--navy); color: var(--white);
  font-family: 'Barlow Condensed', sans-serif; font-weight: 700;
  font-size: .9rem; letter-spacing: .15em; text-transform: uppercase;
  border: none; border-radius: 5px; cursor: pointer;
  transition: background .2s; margin-top: 12px;
}
.form-submit:hover { background: var(--teal); }
.form-error-box {
  background: rgba(139,26,26,.08); border: 1px solid rgba(139,26,26,.3);
  border-radius: 6px; padding: 16px 20px; margin-bottom: 22px;
}
.form-error-box ul { list-style: none; padding: 0; }
.form-error-box li {
  font-size: .9rem; color: #8B1A1A; margin-bottom: 4px;
  display: flex; align-items: center; gap: 8px; font-weight: 500;
}
.form-error-box li::before { content: '!'; font-weight: 700; }
.form-success-box {
  background: rgba(34,181,189,.08); border: 1px solid rgba(34,181,189,.25);
  border-radius: 8px; padding: 36px 40px; text-align: center;
}
.form-success-box h3 {
  font-family: 'Playfair Display', serif; font-size: 1.5rem;
  font-weight: 700; color: var(--navy); margin-bottom: 10px;
}
.form-success-box p { font-size: .95rem; color: var(--text2); line-height: 1.75; }
.form-info-note {
  background: rgba(34,181,189,.06); border: 1px solid rgba(34,181,189,.15);
  border-radius: 5px; padding: 12px 16px; margin-top: 10px;
  font-size: .84rem; color: var(--text2); line-height: 1.65;
}
.rov-contact-tiles {
  display: flex; flex-wrap: wrap; gap: 14px; margin: 16px 0 24px;
}
.rov-contact-tile {
  flex: 1; min-width: 220px;
  background: rgba(34,181,189,.05); border: 1px solid rgba(34,181,189,.15);
  border-radius: 6px; padding: 16px 20px;
}
.rov-contact-tile-label {
  font-family: 'Barlow Condensed', sans-serif; font-size: .65rem;
  font-weight: 700; color: var(--teal); text-transform: uppercase;
  letter-spacing: .15em; margin-bottom: 6px;
}
.rov-contact-tile-val { font-size: .9rem; color: var(--text2); }
.rov-contact-tile-val a { color: var(--teal); text-decoration: none; }

/* Mobile adjustments */
@media(max-width: 680px) {
  .content-hero { padding: 100px 20px 44px; }
  .content-wrap, .content-wrap-wide { padding: 36px 16px 60px; }
  .content-card { padding: 28px 20px; }
  .form-2col, .form-3col { grid-template-columns: 1fr; }
  .commit-box { flex-direction: column; }
  .content-cta { padding: 40px 20px; }
}