/* ==========================================================================
   RIZE MORTGAGE — HOMEPAGE REDESIGN
   ========================================================================== */

/* 01 ─ Tokens ───────────────────────────────────────────────────────────── */
:root{
  /* Brand */
  --navy:#241C4F;
  --navy-950:#120D2E;
  --navy-900:#17113A;
  --navy-800:#1D1645;
  --navy-600:#3A3178;
  --violet:#5246A6;
  --lilac:#B9B2E6;
  --orange:#F36C37;
  --orange-600:#DE5620;
  --orange-50:#FEEEE6;
  --gold:#FFC107;
  --gold-600:#F0A800;
  --gold-50:#FFF6DA;
  --sand:#E8E0DC;

  /* Neutrals */
  --cream:#FBF8F5;
  --sand-50:#F4EFEB;
  --lav:#ECE9F5;
  --lav-200:#DDD8EE;
  --white:#FFFFFF;
  --ink:#241C4F;
  --body:#4A4566;
  --mute:#76718F;
  --line:rgba(36,28,79,.11);
  --line-d:rgba(255,255,255,.12);
  --ok:#17784C;
  --ok-50:#E3F4EA;

  /* Gradients */
  --g-sun:linear-gradient(120deg,#F36C37 0%,#FF8E3E 48%,#FFC107 100%);
  --g-sun-v:linear-gradient(180deg,#FFC107 0%,#FF8E3E 45%,#F36C37 100%);
  --g-orange:linear-gradient(135deg,#FF8A4C 0%,#F36C37 48%,#E0561F 100%);
  --g-night:linear-gradient(165deg,#2E2566 0%,#241C4F 42%,#17113A 100%);

  /* Type */
  --sans:"Geist",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --serif:"Instrument Serif",Georgia,"Times New Roman",serif;
  --brand:"Source Serif 4",Georgia,serif;

  /* Shape & depth */
  --r-xs:8px; --r-sm:12px; --r:16px; --r-lg:24px; --r-xl:32px;
  --cut:10px;
  --sh-1:0 1px 2px rgba(36,28,79,.06),0 12px 28px -18px rgba(36,28,79,.30);
  --sh-2:0 2px 4px rgba(36,28,79,.06),0 28px 56px -26px rgba(36,28,79,.45);
  --sh-3:0 40px 90px -30px rgba(10,7,30,.65);

  /* Layout & motion */
  --wrap:1500px;
  --gutter:24px;
  --header-h:76px;
  --sec:clamp(80px,9vw,128px);
  --ease:cubic-bezier(.2,.7,.2,1);

  /* Grain used on every dark surface */
  --grain:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='220' height='220'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='3' stitchTiles='stitch'/%3E%3CfeColorMatrix values='0 0 0 0 1 0 0 0 0 1 0 0 0 0 1 0 0 0 .9 0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}

/* 02 ─ Base ─────────────────────────────────────────────────────────────── */
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 16px);-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);font-size:16px;line-height:1.6;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden}
img,svg{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
button,input,select{font:inherit;color:inherit}
button{cursor:pointer;background:none;border:0;padding:0}
h1,h2,h3,h4,p,ul,ol{margin:0}
ul,ol{padding:0;list-style:none}
::selection{background:var(--gold);color:var(--navy)}
:focus-visible{outline:2px solid var(--orange);outline-offset:3px;border-radius:6px}
.rz-dark :focus-visible{outline-color:var(--gold)}
[hidden]{display:none!important}

/* 03 ─ Utilities ────────────────────────────────────────────────────────── */
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:12px;top:-60px;z-index:300;background:var(--navy);color:#fff;padding:10px 16px;border-radius:var(--r-xs)}
.skip:focus{top:12px}
.sec{position:relative;padding:var(--sec) 0}
.rz-dark{color:#fff}

/* Grain: any dark surface gets .grain for depth */
.grain{position:relative;isolation:isolate}
.grain::after{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;background-image:var(--grain);background-size:220px;opacity:.09;mix-blend-mode:screen;border-radius:inherit}
.grain>*{position:relative;z-index:1}

/* Type */
.h2{font-size:clamp(34px,4.2vw,54px);line-height:1.04;letter-spacing:-.035em;font-weight:500;color:var(--ink)}
.rz-dark .h2{color:#fff}
.accent{font-family:var(--serif);font-style:italic;font-weight:400;letter-spacing:-.01em;font-size:1.08em;background:var(--g-sun);-webkit-background-clip:text;background-clip:text;color:transparent;padding-right:.06em}
.sub{font-size:clamp(16px,1.3vw,18px);line-height:1.6;color:var(--body);max-width:540px}
.rz-dark .sub{color:#C9C3E6}
.head{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:24px 48px;align-items:end;margin-bottom:clamp(40px,4.5vw,64px)}
.head>.sub{justify-self:end}
.head>div>.sub{justify-self:start;max-width:620px}
.fine{font-size:12px;line-height:1.6;color:var(--mute)}
.rz-dark .fine{color:#A7A1C9}
.tlink{display:inline-flex;align-items:center;gap:7px;font-weight:600;font-size:13.5px;letter-spacing:.06em;text-transform:uppercase;color:var(--orange-600)}
.tlink svg{width:10px;height:10px;transition:transform .25s var(--ease)}
a:hover .tlink svg,.tlink:hover svg{transform:translateX(3px)}
.ulink{font-weight:600;color:var(--navy);text-decoration:underline;text-decoration-color:var(--orange);text-decoration-thickness:2px;text-underline-offset:4px;transition:color .2s,text-decoration-color .2s}
.ulink:hover{color:#F36C37;text-decoration-color:#F36C37}
p a:not(.btn):not(.rv-c):hover,.sub a:not(.btn):not(.rv-c):hover,.fine a:not(.btn):not(.rv-c):hover{color:#F36C37}

/* Rize wordmark */
.logo{display:inline-flex;flex-direction:column;line-height:1;flex-shrink:0;color:var(--navy)}
.logo-word{font-family:var(--brand);font-weight:600;font-size:30px;letter-spacing:-.02em}
.logo-word b{color:var(--orange);font-weight:600}
.logo-sub{font-size:9px;font-weight:700;letter-spacing:.38em;margin-top:3px;padding-left:2px}
.rz-dark .logo,.logo.on-dark{color:#fff}

/* Product lockup */
.lockup{display:inline-flex;align-items:center;gap:8px;font-size:22px;line-height:1;margin-bottom:22px;letter-spacing:-.02em}
.lockup .logo-word{font-size:26px}
.lockup span:last-child{font-weight:300}
.lockup-img{height:36px;width:auto;display:block;max-width:100%}

/* 04 ─ Buttons ─────────────────────────────────────────────────────────── */
.btn{--c1:var(--orange);--c2:var(--orange);--fg:var(--navy-950);
  position:relative;display:inline-flex;align-items:center;justify-content:center;gap:10px;
  height:52px;padding:0 24px;border-radius:5px;white-space:nowrap;
  font-weight:600;font-size:15.5px;letter-spacing:-.005em;color:var(--fg);
  background:linear-gradient(135deg,var(--c1),var(--c2));
  transition:transform .3s var(--ease),box-shadow .3s var(--ease),filter .3s var(--ease),opacity .2s}
.btn svg{width:17px;height:17px;flex:none}
.btn .arr{transition:transform .3s var(--ease)}
.btn:hover{transform:translateY(-2px)}
.btn:hover .arr{transform:translateX(3px)}
.btn:active{transform:translateY(0)}
.btn-primary{--c1:#FF8A4C;--c2:#E7591F;box-shadow:0 10px 22px -10px rgba(243,108,55,.6)}
.btn-primary:hover{box-shadow:0 16px 28px -12px rgba(243,108,55,.7);filter:brightness(1.04)}
.btn-gold{--c1:#FFD24D;--c2:#F5AE00;box-shadow:0 10px 22px -10px rgba(255,193,7,.55)}
.btn-gold:hover{box-shadow:0 16px 28px -12px rgba(255,193,7,.65);filter:brightness(1.03)}
.btn-dark{--c1:var(--navy-600);--c2:var(--navy);--fg:#fff}
.btn-dark:hover{box-shadow:0 14px 26px -12px rgba(36,28,79,.6)}
.btn-light{--c1:#fff;--c2:#fff;--fg:var(--navy)}
.btn-light:hover{box-shadow:0 14px 26px -12px rgba(36,28,79,.35)}
.btn-soft{--c1:var(--lav);--c2:var(--lav);--fg:var(--navy)}
.btn-soft:hover{--c1:var(--lav-200);--c2:var(--lav-200)}
.btn-glass{--c1:rgba(255,255,255,.12);--c2:rgba(255,255,255,.08);--fg:#fff;backdrop-filter:blur(8px)}
.btn-glass:hover{--c1:rgba(255,255,255,.2);--c2:rgba(255,255,255,.14)}
.btn-sm{height:42px;padding:0 18px;font-size:14px;--cut:9px}
.btn-lg{height:56px;padding:0 28px;font-size:16px;--cut:12px}
.btn-block{width:100%}

/* 05 ─ Header & mega menu ───────────────────────────────────────────────── */
.site-header{position:sticky;top:0;z-index:90;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid transparent;transition:border-color .25s,box-shadow .25s}
.site-header.scrolled{border-bottom-color:var(--line);box-shadow:0 10px 30px -22px rgba(36,28,79,.45)}
.header-inner{display:flex;align-items:center;gap:28px;height:var(--header-h)}
.main-nav{flex:1}
.main-nav>ul{display:flex;gap:2px;align-items:center;margin-left:85px}
.nav-item{position:relative}
.nav-link{display:flex;align-items:center;gap:5px;padding:10px 14px;border-radius:var(--r-xs);font-size:15px;font-weight:500;color:var(--ink);transition:background .2s}
.nav-link svg{width:14px;height:14px;transition:transform .25s var(--ease)}
.nav-link:hover,.nav-item:focus-within>.nav-link,.nav-item.open>.nav-link{background:var(--lav)}
.nav-item:hover>.nav-link svg,.nav-item:focus-within>.nav-link svg,.nav-item.open>.nav-link svg{transform:rotate(180deg)}
.dropdown{position:absolute;top:calc(100% + 8px);left:0;min-width:260px;padding:10px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-2);opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .2s,transform .25s var(--ease),visibility .2s}
.dropdown::before{content:"";position:absolute;left:0;right:0;top:-10px;height:10px}
.dropdown a{display:block;padding:10px 12px;border-radius:var(--r-xs);font-size:14.5px;font-weight:500;color:var(--ink)}
.dropdown a:hover{background:var(--cream);color:var(--navy)}
.nav-item:hover .dropdown,.nav-item:focus-within .dropdown,.nav-item.open .dropdown{opacity:1;visibility:visible;transform:none}
.nav-item.mega{position:static}
.mega-panel{position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);box-shadow:0 40px 70px -40px rgba(36,28,79,.45);opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .2s,transform .25s var(--ease),visibility .2s}
.nav-item.mega:hover .mega-panel,.nav-item.mega:focus-within .mega-panel,.nav-item.mega.open .mega-panel{opacity:1;visibility:visible;transform:none}
.mega-inner{max-width:var(--wrap);margin:0 auto;padding:28px var(--gutter) 32px;display:grid;grid-template-columns:repeat(4,minmax(0,1fr)) minmax(240px,270px);gap:8px 22px}
.mega-col{display:flex;flex-direction:column}
.mega-col a.mega-head{display:flex;align-items:center;gap:12px;min-height:84px;padding:12px;margin-bottom:8px;border-radius:14px;background:var(--cream);border:1px solid var(--line);transition:background .25s,border-color .25s,box-shadow .25s,transform .25s var(--ease)}
.mega-col a.mega-head:hover{background:#fff;border-color:var(--orange);box-shadow:var(--sh-1);transform:translateY(-2px)}
.mh-ic{width:42px;height:42px;border-radius:11px;display:grid;place-items:center;flex:none;color:#fff;position:relative;overflow:hidden}
.mh-ic svg{width:20px;height:20px;position:relative}
.mh-or .mh-ic{background:var(--g-orange)}
.mh-nv .mh-ic{background:linear-gradient(160deg,#3D3480,#241C4F)}
.mh-nv .mh-ic::after{content:"";position:absolute;inset:0;background-image:var(--grain);background-size:120px;opacity:.12;mix-blend-mode:screen}
.mh-sd .mh-ic{background:var(--sand);color:var(--navy)}
.mh-gd .mh-ic{background:linear-gradient(160deg,#FFD24D,#FFC107);color:var(--navy)}
.mh-t{flex:1;min-width:0}
.mh-t b{display:block;font-size:16px;font-weight:600;letter-spacing:-.01em;color:var(--navy);line-height:1.2}
.mh-t small{display:block;margin-top:3px;font-size:12.5px;font-weight:500;color:var(--orange-600)}
.mh-arr{width:18px;height:18px;flex:none;color:var(--orange);transition:transform .25s var(--ease)}
.mega-head:hover .mh-arr{transform:translateX(3px)}
.mega-col a:not(.mega-head){display:flex;gap:12px;align-items:flex-start;padding:8px 10px;border-radius:10px;transition:background .2s}
.mega-col a:not(.mega-head):hover{background:var(--cream)}
.mega-col a .ic{width:32px;height:32px;border-radius:9px;display:grid;place-items:center;flex:none;margin-top:1px;background:var(--lav);color:var(--navy);transition:background .2s,color .2s}
.mega-col a:not(.mega-head):hover .ic{background:var(--orange);color:#fff}
.mega-col a .ic svg{width:16px;height:16px}
.mega-col h4{font-size:12.5px;font-weight:600;letter-spacing:.02em;color:var(--mute);margin:0 0 8px;padding:0 10px}
.mega-col a{display:flex;gap:12px;align-items:flex-start;padding:10px;border-radius:var(--r-sm);transition:background .2s}
.mega-col a:hover{background:var(--cream)}
.mega-col a .ic{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;flex:none;background:var(--lav);color:var(--navy);transition:background .2s,color .2s}
.mega-col a:hover .ic{background:var(--orange);color:#fff}
.mega-col a .ic svg{width:17px;height:17px}
.mega-col strong{display:block;font-size:14.5px;font-weight:600;color:var(--navy);line-height:1.35}
.mega-col small{display:block;font-size:13px;color:var(--mute);line-height:1.45;margin-top:2px}
.mega-promo{position:relative;overflow:hidden;min-height:340px;display:flex;flex-direction:column;justify-content:flex-end;gap:10px;padding:26px;border-radius:var(--r-lg);background:radial-gradient(70% 50% at 80% 0%,rgba(243,108,55,.35),transparent 70%),var(--g-night);color:#fff}
.mega-promo img{align-self:flex-end;height:230px;width:auto;margin:-6px -4px auto 0;filter:drop-shadow(0 16px 18px rgba(0,0,0,.4));animation:bob 6s ease-in-out infinite}
.mega-promo h4{font-size:21px;font-weight:500;letter-spacing:-.02em;line-height:1.15;max-width:200px}
.mega-promo p{font-size:14px;color:#C9C3E6;line-height:1.5;margin-bottom:8px}
.header-actions{display:flex;align-items:center;gap:16px;margin-left:auto}
.header-phone{display:flex;align-items:center;gap:8px;font-size:15px;font-weight:600;color:var(--navy);transition:color .2s ease}
.header-phone:hover,.header-phone:hover span{color:#F36C37!important}
.header-phone svg{width:18px;height:18px;color:var(--orange);transition:color .2s ease}
.header-phone:hover svg{color:#F36C37!important}
.header-login{font-size:15px;font-weight:600;color:var(--navy);padding:8px 2px}
.header-login:hover{text-decoration:underline;text-decoration-color:var(--orange);text-underline-offset:4px}
.icon-btn{display:none;width:46px;height:46px;border-radius:var(--r-sm);background:var(--lav);color:var(--navy);align-items:center;justify-content:center}
.icon-btn svg{width:22px;height:22px}

/* Top-level link + chevron dropdowns */
.nav-top{display:flex;align-items:center;border-radius:var(--r-xs);transition:background .2s}
.nav-item:hover .nav-top,.nav-item.open .nav-top,.nav-item:focus-within .nav-top{background:var(--lav)}
.nav-top .nav-link{padding:10px 4px 10px 12px;background:none!important}
.nav-top .nav-link:hover{color:#F36C37}
.dd-btn{display:grid;place-items:center;width:30px;height:40px;border-radius:var(--r-xs);color:var(--ink)}
.dd-btn svg{width:14px;height:14px;transition:transform .25s var(--ease)}
.dd-btn-label{display:flex;align-items:center;gap:5px;width:auto;height:40px;padding:0 12px;font-size:15px;font-weight:500;line-height:1}
.nav-item:hover .dd-btn svg,.nav-item.open .dd-btn svg,.nav-item:focus-within .dd-btn svg{transform:rotate(180deg)}
.dd{position:absolute;top:calc(100% + 10px);left:0;z-index:95;width:340px;padding:10px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh-2);opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .2s,transform .25s var(--ease),visibility .2s}
.dd::before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}
.dd-sm{width:250px}
.dd-right{left:auto;right:0}
.nav-item:hover .dd,.nav-item.open .dd,.nav-item:focus-within .dd{opacity:1;visibility:visible;transform:none}
.dd a{display:flex;gap:12px;align-items:flex-start;padding:10px;border-radius:var(--r-sm);transition:background .2s}
.dd a:hover{background:var(--cream)}
.dd .ic{width:34px;height:34px;border-radius:10px;display:grid;place-items:center;flex:none;background:var(--lav);color:var(--navy);transition:background .2s,color .2s}
.dd a:hover .ic{background:var(--orange);color:#fff}
.dd .ic svg{width:17px;height:17px}
.dd strong{display:block;font-size:14.5px;font-weight:600;color:var(--navy);line-height:1.35}
.dd small{display:block;font-size:13px;color:var(--mute);line-height:1.45;margin-top:1px}
.dd-sm a{padding:10px 12px}
.dd-sm strong{font-weight:500}
.dd a.dd-all{align-items:center;justify-content:space-between;margin-top:6px;padding:12px;border-top:1px solid var(--line);border-radius:0 0 var(--r-sm) var(--r-sm);font-size:14px;font-weight:600;color:var(--orange-600)}
.dd a.dd-all svg{width:16px;height:16px;transition:transform .25s var(--ease)}
.dd a.dd-all:hover svg{transform:translateX(3px)}

/* 06 ─ Mobile drawer ────────────────────────────────────────────────────── */
.drawer-backdrop{position:fixed;inset:0;z-index:120;background:rgba(18,13,46,.5);backdrop-filter:blur(3px);opacity:0;visibility:hidden;transition:opacity .25s,visibility .25s}
.drawer{position:fixed;top:0;right:0;z-index:130;height:100%;width:min(90vw,400px);background:#fff;display:flex;flex-direction:column;padding:16px 20px calc(20px + env(safe-area-inset-bottom));overflow-y:auto;transform:translateX(100%);visibility:hidden;transition:transform .32s var(--ease),visibility .32s}
.drawer-open .drawer{transform:none;visibility:visible}
.drawer-open .drawer-backdrop{opacity:1;visibility:visible}
.drawer-top{display:flex;justify-content:space-between;align-items:center;height:56px;margin-bottom:14px}
.drawer-top .icon-btn{display:inline-flex}
.drawer-cta{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px}
.drawer nav>a,.drawer summary{display:flex;justify-content:space-between;align-items:center;padding:15px 2px;border-bottom:1px solid var(--line);font-size:17px;font-weight:600;color:var(--navy);cursor:pointer;list-style:none}
.drawer summary::-webkit-details-marker{display:none}
.drawer summary svg{width:16px;height:16px;transition:transform .25s var(--ease)}
.drawer details[open] summary svg{transform:rotate(180deg)}
.drawer details a{display:block;padding:11px 14px;font-size:15.5px;font-weight:500;color:var(--body);border-bottom:1px solid var(--line)}
.m-group{border-bottom:1px solid var(--line)}
.m-row{display:flex;align-items:center;justify-content:space-between;gap:8px}
.m-row>a{flex:1;display:flex;align-items:center;gap:12px;padding:14px 2px;font-size:17px;font-weight:600;color:var(--navy)}
.m-ic{width:36px;height:36px;border-radius:10px;display:grid;place-items:center;flex:none;background:var(--lav);color:var(--navy)}
.m-ic svg{width:18px;height:18px}
.m-plain .m-row>a{padding:15px 2px}
.m-tog{width:44px;height:44px;border-radius:var(--r-sm);display:grid;place-items:center;flex:none;color:var(--navy)}
.m-tog:hover{background:var(--cream)}
.m-tog svg{width:16px;height:16px;transition:transform .25s var(--ease)}
.m-tog[aria-expanded="true"] svg{transform:rotate(180deg)}
.m-tog-label{flex:1;width:auto;display:flex;justify-content:space-between;padding:15px 14px 15px 2px;font-size:17px;font-weight:600;text-align:left}
.m-sub{padding:0 0 12px 48px;display:grid}
.m-plain .m-sub{padding-left:2px}
.m-sub a{padding:9px 0;font-size:15.5px;font-weight:500;color:var(--body)}
.m-sub a:hover{color:#F36C37}
.drawer-morti{margin-top:22px;display:flex;align-items:center;gap:14px;padding:14px 16px;border-radius:var(--r);background:var(--cream);text-align:left;width:100%}
.drawer-morti img{width:44px;height:44px;border-radius:50%;background:var(--sand);object-fit:cover}
.drawer-morti b{display:block;color:var(--navy)}
.drawer-morti small{color:var(--mute);font-size:13px}
.drawer-login{margin-top:auto;padding-top:22px;font-weight:600;color:var(--navy)}

/* 07 ─ Hero & rate quiz ─────────────────────────────────────────────────── */
.hero{position:relative;overflow:hidden;background:var(--navy-950);color:#fff;min-height:min(calc(100svh - var(--header-h)),880px);display:flex;align-items:center}
.hero-bg{position:absolute;inset:0;z-index:0;overflow:hidden;pointer-events:none}
.hero-mesh{position:absolute;inset:-10%;background:
  radial-gradient(55% 50% at 10% 8%,rgba(82,70,166,.55),transparent 62%),
  radial-gradient(40% 40% at 92% 10%,rgba(82,70,166,.35),transparent 65%),
  linear-gradient(180deg,#120D2E 0%,#1A1442 55%,#241C4F 100%)}
.sunwrap{position:absolute;left:50%;bottom:0;width:min(1400px,170vw);aspect-ratio:1;transform:translate(-50%,calc(64% - var(--lift,0%)));transition:transform .2s linear}
.sun{position:absolute;inset:0;border-radius:50%;background:radial-gradient(closest-side,#FFE08A 0%,#FFC107 18%,#FF8E3E 38%,rgba(243,108,55,.5) 56%,rgba(243,108,55,0) 72%);filter:blur(6px);animation:breathe 9s ease-in-out infinite}
.sun-core{position:absolute;left:50%;top:50%;width:46%;aspect-ratio:1;transform:translate(-50%,-50%);border-radius:50%;background:radial-gradient(circle at 50% 35%,#FFE7A6,#FFC107 40%,#F36C37 86%);box-shadow:0 0 120px 40px rgba(255,142,62,.42)}
.rings i{position:absolute;left:50%;top:50%;border-radius:50%;border:1px solid rgba(255,193,7,.16);transform:translate(-50%,-50%)}
.floor{position:absolute;left:-10%;right:-10%;bottom:0;height:30%;opacity:.5;background-image:linear-gradient(rgba(255,255,255,.1) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.1) 1px,transparent 1px);background-size:60px 40px;transform:perspective(420px) rotateX(62deg);transform-origin:bottom;-webkit-mask-image:linear-gradient(180deg,transparent,#000 60%);mask-image:linear-gradient(180deg,transparent,#000 60%)}
.horizon{position:absolute;left:0;right:0;bottom:0;height:36%;background:linear-gradient(180deg,transparent,rgba(18,13,46,.55) 70%,rgba(18,13,46,.85))}
.hero-in{position:relative;z-index:2;width:100%;display:grid;grid-template-columns:minmax(0,1.12fr) minmax(0,.88fr);gap:56px;align-items:center;padding-top:72px;padding-bottom:88px}
.live{display:inline-flex;align-items:center;gap:10px;padding:7px 14px 7px 8px;border-radius:999px;background:rgba(255,255,255,.06);border:1px solid var(--line-d);font-size:13.5px;color:#D9D4EE;backdrop-filter:blur(8px)}
.live b{display:inline-flex;align-items:center;gap:6px;padding:3px 10px;border-radius:999px;background:rgba(61,220,151,.14);color:#76EFBB;font-size:12px;font-weight:500}
.live b::before{content:"";width:6px;height:6px;border-radius:50%;background:#3DDC97;animation:ping 1.8s infinite}
.hero h1{font-size:clamp(42px,5vw,78px);line-height:1;letter-spacing:-.045em;font-weight:500;margin:26px 0 24px;max-width:760px;color:#fff}
.hero h1 a,.hero h1 a:hover,.hero h1 a:focus{color:#fff!important;text-decoration:none!important}
.hero h1 .accent{font-size:1.1em;letter-spacing:-.02em}
.ul{position:relative;white-space:nowrap}
.ul svg{position:absolute;left:-2%;bottom:-.06em;width:104%;height:.22em;overflow:visible}
.ul path{stroke-dasharray:600;stroke-dashoffset:600;animation:draw 1.4s .6s var(--ease) forwards}
.hero-p{font-size:clamp(17px,1.45vw,19.5px);line-height:1.55;color:#C9C3E6;max-width:560px}
.hero-p b{display:block;color:#fff;font-weight:500}
.proof{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin-top:34px}
.faces{display:flex}
.faces span{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;margin-left:-10px;border:2px solid var(--navy-900);font-size:12px;font-weight:600;color:var(--navy-950)}
.faces span:first-child{margin-left:0}
.proof-t{font-size:13.5px;line-height:1.35;color:#B9B3D6}
.proof-t b{display:flex;align-items:center;gap:6px;color:#fff;font-size:15px;font-weight:600}
.stars{color:var(--gold);letter-spacing:1px}
.proof-div{width:1px;height:36px;background:var(--line-d)}

.console{position:relative;padding:28px;border-radius:var(--r-xl);background:linear-gradient(160deg,rgba(255,255,255,.14),rgba(255,255,255,.04) 60%);border:1px solid rgba(255,255,255,.16);backdrop-filter:blur(24px) saturate(1.4);-webkit-backdrop-filter:blur(24px) saturate(1.4);box-shadow:var(--sh-3),inset 0 1px 0 rgba(255,255,255,.18);transition:box-shadow .4s}
.console::before{content:"";position:absolute;inset:-1px;border-radius:inherit;padding:1px;pointer-events:none;background:linear-gradient(160deg,rgba(255,193,7,.6),transparent 30%,transparent 70%,rgba(243,108,55,.5));-webkit-mask:linear-gradient(#000 0 0) content-box,linear-gradient(#000 0 0);-webkit-mask-composite:xor;mask-composite:exclude}
.console.pulse{box-shadow:var(--sh-3),0 0 0 6px rgba(255,193,7,.25)}
.q-head{margin-bottom:18px}
.q-sub{margin-top:6px;font-size:14px;color:#B9B3D6}
.stepper{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin-bottom:22px;counter-reset:none}
.stepper li{display:flex;align-items:center;gap:8px;padding-bottom:11px;border-bottom:3px solid rgba(255,255,255,.12);font-size:13px;font-weight:500;color:#9F98C6;transition:color .3s,border-color .3s}
.stepper .dot{width:24px;height:24px;border-radius:50%;display:grid;place-items:center;flex:none;font-size:12px;font-weight:600;border:1px solid rgba(255,255,255,.25);transition:background .3s,color .3s,border-color .3s}
.stepper li.on{color:#fff;border-color:var(--gold)}
.stepper li.on .dot{background:var(--g-sun);color:var(--navy-950);border-color:transparent}
.stepper li.past{color:#C9C3E6;border-color:rgba(61,220,151,.6)}
.stepper li.past .dot{background:rgba(61,220,151,.18);border-color:transparent;color:#76EFBB}
.q-ask{font-size:16px;font-weight:600;margin-bottom:12px}
.q-goal{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:16px;padding:10px 14px;border-radius:12px;background:rgba(255,255,255,.06);font-size:14px;color:#C9C3E6}
.q-goal b{color:#fff;font-weight:600}
.q-goal button{font-size:13.5px;font-weight:600;color:var(--gold);text-decoration:underline;text-underline-offset:3px}
.opt-tag{color:#8C86AE}
.c-back svg{width:15px;height:15px;display:inline-block;vertical-align:-2px;margin-right:6px}
.c-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:6px}
.c-lab{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--lilac)}
.c-step{font-size:12.5px;color:#B9B3D6;font-variant-numeric:tabular-nums}
.c-q{font-size:clamp(22px,2vw,26px);font-weight:500;letter-spacing:-.03em;line-height:1.15;margin-bottom:18px}
.segs{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-bottom:20px}
.segs i{position:relative;height:3px;border-radius:3px;overflow:hidden;background:rgba(255,255,255,.14)}
.segs i::after{content:"";position:absolute;inset:0;background:var(--g-sun);transform:scaleX(0);transform-origin:left;transition:transform .5s var(--ease)}
.segs i.on::after{transform:scaleX(1)}
.pane{display:none}
.pane.on{display:block;animation:paneIn .45s var(--ease)}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.opt{display:flex;flex-direction:column;align-items:flex-start;gap:3px;width:100%;min-height:132px;padding:16px;border-radius:18px;text-align:left;background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);transition:background .3s,border-color .3s,transform .3s var(--ease)}
.opt .oi{width:42px;height:42px;margin-bottom:10px;border-radius:13px;display:grid;place-items:center;flex:none;background:rgba(255,255,255,.08);color:var(--gold);transition:background .3s,color .3s}
.opt .oi svg{width:20px;height:20px}
.opt b{display:block;font-size:16px;font-weight:600;letter-spacing:-.01em;line-height:1.25}
.opt small{display:block;font-size:13px;color:#ABA4D2}
.opt .go{margin-left:auto;width:32px;height:32px;border-radius:50%;display:grid;place-items:center;flex:none;background:rgba(255,255,255,.07);transition:background .3s,color .3s}
.opt .go svg{width:14px;height:14px}
.opt.sel{background:rgba(255,255,255,.1);border-color:rgba(255,193,7,.55)}
@media (hover:hover){.opt:hover{background:rgba(255,255,255,.1);border-color:rgba(255,193,7,.55);transform:translateY(-2px)}.opt:hover .oi,.opt:hover .go{background:var(--g-sun);color:var(--navy-950)}}
.opt.sel .oi{background:var(--g-sun);color:var(--navy-950)}
.opt.sel .go{background:var(--g-sun);color:var(--navy-950)}
.fld{display:flex;flex-direction:column;gap:7px;margin-bottom:14px}
.fld label,.fld .lbl{font-size:13px;color:#C9C3E6}
.fld input,.fld select{width:100%;height:52px;padding:0 16px;border-radius:14px;border:1px solid rgba(255,255,255,.14);background:rgba(255,255,255,.06);color:#fff;font-size:16px;appearance:none;transition:border-color .2s,background .2s}
.fld input::placeholder{color:#8C86AE}
.fld select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23FFC107' stroke-width='1.6' fill='none'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 16px center;padding-right:40px}
.fld select option,.fld select optgroup{color:var(--ink);background:#fff}
.fld input:focus,.fld select:focus{outline:none;border-color:var(--gold);background:rgba(255,255,255,.1)}
.fld input[aria-invalid="true"]{border-color:#FF8A80;background:rgba(255,138,128,.08)}
.f-err{display:none;font-size:12.5px;color:#FFB4AB}
.fld input[aria-invalid="true"]+.f-err{display:block}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.qchips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:18px}
.qchip{padding:9px 15px;border-radius:999px;font-size:14px;color:#DAD5EF;border:1px solid rgba(255,255,255,.16);transition:background .2s,border-color .2s,color .2s}
.qchip:hover{border-color:rgba(255,255,255,.38)}
.qchip[aria-pressed="true"]{background:#fff;color:var(--navy);border-color:#fff}
.st-note{display:none;margin:-4px 0 14px;padding:11px 14px;border-radius:12px;font-size:13.5px;line-height:1.45}
.st-note.show{display:block}
.st-note.licensed{background:rgba(61,220,151,.12);color:#C8F5DE;border:1px solid rgba(61,220,151,.25)}
.st-note.soon{background:rgba(255,193,7,.12);color:#FFE7A0;border:1px solid rgba(255,193,7,.3)}
.st-note.not{background:rgba(255,255,255,.07);color:#DAD5EF;border:1px solid rgba(255,255,255,.14)}
.c-act{display:flex;align-items:center;gap:10px}
.c-back{height:52px;padding:0 12px;font-size:14.5px;font-weight:500;color:#C9C3E6;white-space:nowrap}
.c-back:hover{color:#fff}
.c-foot{display:flex;flex-wrap:wrap;gap:8px 16px;margin-top:18px;padding-top:16px;border-top:1px solid var(--line-d);font-size:12.5px;color:#ABA4D2}
.c-foot span{display:inline-flex;align-items:center;gap:6px}
.c-foot svg{width:14px;height:14px;color:#76EFBB}
.done{display:flex;gap:14px;align-items:center;padding:14px;margin-bottom:16px;border-radius:16px;background:rgba(61,220,151,.1);border:1px solid rgba(61,220,151,.25);font-size:14px;color:#D8F7E8}
.done .ck{width:36px;height:36px;border-radius:50%;display:grid;place-items:center;flex:none;background:#3DDC97;color:var(--navy-950)}
.done .ck svg{width:18px;height:18px}
.c-fine{margin-top:12px;font-size:11.5px;line-height:1.5;color:#9690BC}
.c-fine a{text-decoration:underline}

/* Results screen after quiz */
.console.is-done .q-head,.console.is-done .stepper,.console.is-done .c-foot{display:none}
.q-result:focus{outline:none}
.r-hero{display:flex;gap:14px;align-items:flex-start;margin-bottom:18px}
.r-check{width:48px;height:48px;border-radius:50%;display:grid;place-items:center;flex:none;background:#3DDC97;color:var(--navy-950);box-shadow:0 0 0 6px rgba(61,220,151,.15);animation:pop .5s var(--ease)}
.r-check svg{width:24px;height:24px}
.r-hero h3{font-size:clamp(20px,1.8vw,24px);font-weight:600;letter-spacing:-.025em;line-height:1.2}
.r-hero p{margin-top:6px;font-size:14.5px;line-height:1.5;color:#C9C3E6}
.r-hero p b{color:#fff;font-weight:600}
.r-sum{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:8px;margin:0}
.r-sum div{padding:10px 12px;border-radius:12px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.08)}
.r-sum dt{font-size:11px;font-weight:500;letter-spacing:.08em;text-transform:uppercase;color:#9F98C6}
.r-sum dd{margin:2px 0 0;font-size:14px;font-weight:600;color:#fff;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.r-block h4{margin:20px 0 10px;font-size:12.5px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--lilac)}
.r-progs{display:grid;gap:8px}
.r-progs a{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:10px 14px;border-radius:12px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);transition:border-color .25s,background .25s,transform .25s var(--ease)}
.r-progs a:hover{border-color:rgba(255,193,7,.6);background:rgba(255,255,255,.09);transform:translateX(3px)}
.r-progs b{display:block;font-size:15px;font-weight:600}
.r-progs small{display:block;font-size:12.5px;color:#ABA4D2;margin-top:1px}
.r-progs svg{width:16px;height:16px;flex:none;color:var(--gold)}
.r-next{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;counter-reset:nx}
.r-next li{position:relative;display:flex;flex-direction:column;gap:4px;padding:12px;border-radius:12px;background:rgba(255,255,255,.04);counter-increment:nx}
.r-next li::before{content:counter(nx);margin-bottom:4px;width:26px;height:26px;border-radius:50%;display:grid;place-items:center;font-size:13px;font-weight:600;background:var(--g-sun);color:var(--navy-950)}
.r-next b{font-size:14px;font-weight:600;line-height:1.3}
.r-next span{font-size:12.5px;line-height:1.4;color:#ABA4D2}
.r-cta{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.r-cta .btn-primary{flex:1 1 220px}
.r-restart{display:block;margin:14px auto 0;font-size:13.5px;color:#B9B3D6;text-decoration:underline;text-underline-offset:3px}
.r-restart:hover{color:#fff}

/* 08 ─ Trust strip ──────────────────────────────────────────────────────── */
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust-inner{display:grid;grid-template-columns:repeat(4,minmax(0,1fr))}
.t-item{display:flex;align-items:center;gap:14px;padding:26px 20px}
.t-item+.t-item{border-left:1px solid var(--line)}
.t-item .ic{width:44px;height:44px;border-radius:12px;display:grid;place-items:center;flex:none;background:var(--sand-50);color:var(--orange-600)}
.t-item .ic svg{width:21px;height:21px}
.t-item b{display:block;font-size:16px;font-weight:600;color:var(--navy);line-height:1.25}
.t-item small{display:block;font-size:13px;color:var(--mute);line-height:1.35;margin-top:2px}
.t-item small a{color:inherit;text-decoration:underline;text-decoration-color:rgba(118,113,143,.4);text-underline-offset:2px;transition:color .2s,text-decoration-color .2s}
.t-item small a:hover{color:var(--orange-600);text-decoration-color:var(--orange-600)}

/* 09 ─ Loan options ─────────────────────────────────────────────────────── */
.loans{background:linear-gradient(180deg,var(--lav) 0%,#E4E0F1 100%)}
.cards{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.card{display:grid;grid-template-columns:40% 60%;min-height:256px;border-radius:var(--r);overflow:hidden;background:var(--cream);box-shadow:var(--sh-1);transition:transform .4s var(--ease),box-shadow .4s var(--ease)}
.card:hover{transform:translateY(-5px);box-shadow:var(--sh-2)}
.c-pan{position:relative;display:grid;place-items:center;color:#fff;isolation:isolate;overflow:hidden}
.c-pan::before{content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;background:radial-gradient(90% 75% at 85% 10%,rgba(255,255,255,.2),rgba(255,255,255,0) 62%),radial-gradient(85% 70% at 10% 105%,rgba(18,13,46,.28),rgba(18,13,46,0) 62%);transition:opacity .6s var(--ease),transform .8s var(--ease)}
.c-pan .glow{position:absolute;z-index:-1;width:150%;aspect-ratio:1;left:30%;top:-75%;border-radius:50%;background:radial-gradient(closest-side,rgba(255,255,255,.14),rgba(255,255,255,0));pointer-events:none;transition:transform .8s var(--ease)}
.card:hover .c-pan .glow{transform:translate(-8%,8%) scale(1.08)}
.c-pan svg{width:88px;height:88px;stroke-width:1.3;transition:transform .5s var(--ease)}
.card:hover .c-pan svg{transform:scale(1.08) translateY(-3px)}
.pn-or{background:var(--g-orange)}
.pn-nv{background:linear-gradient(160deg,#3D3480,#241C4F)}
.pn-nv::after,.calc-stage .screen::after,.cam .grain-l,.step-n::after,.morti-fab::after,.btn-dark::after{content:"";position:absolute;inset:0;pointer-events:none;background-image:var(--grain);background-size:220px;opacity:.09;mix-blend-mode:screen;border-radius:inherit}
.calc-stage .screen,.step-n{position:relative;overflow:hidden}
.step-n>*{position:relative;z-index:1}
.pn-br{background:linear-gradient(160deg,#F3EEEB 0%,#E8E0DC 55%,#DCD0C9 100%);color:var(--navy)}
.pn-br::before,.pn-gd::before{background:radial-gradient(90% 75% at 85% 10%,rgba(255,255,255,.7),rgba(255,255,255,0) 60%),radial-gradient(85% 70% at 10% 105%,rgba(36,28,79,.12),rgba(36,28,79,0) 62%)}
.pn-br .glow,.pn-gd .glow{background:radial-gradient(closest-side,rgba(255,255,255,.55),rgba(255,255,255,0))}
.pn-gd{background:linear-gradient(160deg,#FFD24D,#FFC107 55%,#F2A900);color:var(--navy)}
.pn-vi{background:linear-gradient(160deg,#6F67A8,#4A4285)}
.c-body{display:flex;flex-direction:column;padding:28px 30px 24px}
.c-body h3{font-size:25px;font-weight:600;letter-spacing:-.03em;line-height:1.15;color:var(--navy)}
.c-body p{margin-top:10px;font-size:15.5px;line-height:1.55;color:var(--body)}
.c-progs{margin-top:12px;font-size:13px;line-height:1.5;font-weight:500;color:var(--mute)}
.c-body .tlink{margin-top:auto;padding-top:18px;align-self:flex-end}
.loan-note{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;margin-top:28px;padding:20px 24px;border-radius:var(--r);background:rgba(255,255,255,.6);border:1px solid rgba(255,255,255,.8)}
.loan-note p{font-size:16px;color:var(--body)}
.loan-note b{font-weight:600;color:var(--ink)}

/* 10 ─ Calculator ───────────────────────────────────────────────────────── */
.calc{overflow:hidden;background:
  radial-gradient(60% 50% at 88% 30%,rgba(243,108,55,.18),transparent 65%),
  radial-gradient(50% 60% at 0% 100%,rgba(82,70,166,.5),transparent 65%),
  linear-gradient(180deg,#241C4F 0%,#2B2262 45%,#3A3180 100%)}
.calc-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:center}
.calc .sub{margin:18px 0 34px}
.sl{width:100%;max-width:520px;margin-bottom:26px;box-sizing:border-box}
.sl-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:12px;width:100%}
.sl-top label{font-size:14.5px;font-weight:500;color:#DCD7EF}
.sl-top label em{font-style:normal;color:var(--gold);margin-left:6px}
.sl-v{display:flex;align-items:baseline;font-size:24px;font-weight:500;letter-spacing:-.02em}
.sl-v span{font-size:16px;color:#B9B3D6;margin:0 3px}
.sl-v input{width:var(--w,8ch);text-align:right;background:transparent;border:0;border-bottom:1px dashed rgba(255,255,255,.3);color:#fff;font-weight:500;letter-spacing:-.02em;font-variant-numeric:tabular-nums;outline:none;padding:0 0 2px;transition:border-color .2s}
.sl-v input:focus{border-bottom-color:var(--gold)}
input[type=range]{-webkit-appearance:none;appearance:none;display:block;width:100%;height:4px;border-radius:4px;outline:none;cursor:pointer;background:linear-gradient(90deg,#F36C37,#FFC107) 0/var(--p,50%) 100% no-repeat,rgba(255,255,255,.2);box-sizing:border-box}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;box-shadow:0 0 0 6px rgba(255,193,7,.16),0 3px 10px rgba(0,0,0,.35);transition:box-shadow .2s}
input[type=range]:active::-webkit-slider-thumb{box-shadow:0 0 0 10px rgba(255,193,7,.22),0 3px 10px rgba(0,0,0,.35)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border:0;border-radius:50%;background:#fff;box-shadow:0 0 0 6px rgba(255,193,7,.16)}
input[type=range]:focus-visible{outline:2px solid var(--gold);outline-offset:8px}
.terms-lbl{display:block;font-size:14.5px;font-weight:500;color:#DCD7EF;margin-bottom:12px}
.terms{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:34px}
.tchip{height:42px;padding:0 18px;border-radius:5px;font-size:14.5px;font-weight:500;color:#E6E2F4;box-shadow:inset 0 0 0 1px rgba(255,255,255,.25);transition:background .2s,color .2s,box-shadow .2s}
.tchip:hover{box-shadow:inset 0 0 0 1px rgba(255,255,255,.5)}
.tchip[aria-checked="true"]{background:#fff;color:var(--navy);box-shadow:none}
.calc-cta{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.calc .fine{margin-top:32px;max-width:500px}

.device{position:relative;width:318px;height:640px;padding:11px;border-radius:52px;background:linear-gradient(150deg,#4A4280,#151033 55%,#2A2356);box-shadow:30px 50px 90px -26px rgba(10,7,30,.6),inset 0 0 0 1.5px rgba(255,255,255,.14)}
.device::before{content:"";position:absolute;right:-3px;top:150px;width:3px;height:70px;border-radius:0 3px 3px 0;background:#2A2356}
.device .screen{height:100%;border-radius:42px;overflow:hidden;display:flex;flex-direction:column}
.isl{width:96px;height:28px;border-radius:20px;background:#0B0820;margin:0 auto 6px;flex:none}
.calc-stage{position:relative;display:grid;place-items:center;min-height:660px}
.calc-stage .device{transform:rotate(5deg)}
.calc-stage .screen{background:#1C1645;color:#fff;padding:14px 22px 18px}
.sb{display:flex;justify-content:space-between;align-items:center;font-size:13px;font-weight:600;padding:0 6px;margin-bottom:6px}
.sb i{display:flex;gap:3px;align-items:flex-end}
.sb i span{display:block;width:3px;border-radius:1px;background:currentColor}
.g-tag{margin-top:18px;text-align:center;font-size:12.5px;font-weight:600;color:var(--gold)}
.gauge-wrap{position:relative;width:240px;margin:6px auto 0}
.gauge{width:240px;height:140px;overflow:visible}
.gauge path{fill:none;stroke-width:22;transition:stroke-dasharray .6s var(--ease),stroke-dashoffset .6s var(--ease)}
.g-mid{position:absolute;left:0;right:0;bottom:4px;text-align:center}
.g-mid small{display:block;font-size:11px;font-weight:500;color:#B9B3D6}
.g-mid b{font-size:38px;font-weight:500;letter-spacing:-.045em;font-variant-numeric:tabular-nums}
.g-legend{display:flex;justify-content:center;gap:16px;margin-top:8px;font-size:11.5px;color:#B9B3D6}
.g-legend i{display:inline-block;width:8px;height:8px;border-radius:2px;margin-right:6px}
.scr-date{margin-top:20px;font-size:11.5px;color:#9C96C2}
.calc-stage h4{font-size:17px;font-weight:600;letter-spacing:-.02em;margin:4px 0 12px}
.brk{display:grid;gap:10px}
.brk div{display:flex;justify-content:space-between;gap:10px;font-size:13.5px;color:#C9C3E6}
.brk b{color:#fff;font-weight:500;font-variant-numeric:tabular-nums}
.brk .tot{padding-top:10px;border-top:1px solid rgba(255,255,255,.1)}
.scr-note{margin-top:auto;font-size:12px;line-height:1.5;color:#9C96C2;font-style:italic}

/* 11 ─ Tools ────────────────────────────────────────────────────────────── */
.tools{padding:56px 0;background:#fff;border-bottom:1px solid var(--line)}
.tools-row{display:grid;grid-template-columns:minmax(0,.8fr) repeat(3,minmax(0,1fr));gap:14px;align-items:stretch}
.tools-head h2{font-size:24px;font-weight:600;letter-spacing:-.03em;line-height:1.15;color:var(--navy)}
.tools-head a{display:inline-flex;margin-top:10px}
.tool{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:20px 22px;border-radius:var(--r);border:1px solid var(--line);background:#fff;transition:transform .35s var(--ease),box-shadow .35s var(--ease),border-color .35s}
.tool b{display:block;font-size:16px;font-weight:600;letter-spacing:-.01em;color:var(--ink)}
.tool small{display:block;font-size:13.5px;line-height:1.4;color:var(--mute);margin-top:2px}
.tool .arr-c{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;flex:none;background:var(--sand-50);color:var(--navy);transition:background .35s,color .35s,transform .35s var(--ease)}
.tool .arr-c svg{width:16px;height:16px}
.tool:hover{transform:translateY(-3px);border-color:transparent;box-shadow:var(--sh-2)}
.tool:hover .arr-c{background:var(--orange);color:#fff;transform:rotate(-45deg)}

/* 12 ─ App tour ─────────────────────────────────────────────────────────── */
.tour{background:var(--cream)}
.tour-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,.95fr);gap:64px;align-items:center}
.tour .sub{margin:18px 0 30px}
.tour-steps{display:grid;gap:10px}
.tour-step{position:relative;display:grid;grid-template-columns:52px 1fr;gap:18px;width:100%;padding:18px 20px;border-radius:20px;text-align:left;border:1.5px solid transparent;transition:background .3s,border-color .3s,box-shadow .3s;overflow:hidden}
.tour-step:hover{background:rgba(255,255,255,.7)}
.tour-step[aria-selected="true"]{background:#fff;border-color:var(--orange);box-shadow:var(--sh-1)}
.step-n{width:52px;height:52px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-size:19px;font-weight:600;transition:background .3s,color .3s}
.tour-step[aria-selected="true"] .step-n{background:var(--orange);color:var(--navy-950)}
.tour-step h3{font-size:20px;font-weight:600;letter-spacing:-.02em;color:var(--navy);margin:3px 0 4px}
.tour-step p{font-size:15px;line-height:1.5;color:var(--body)}
.tour-step .prog{position:absolute;left:0;bottom:0;height:3px;width:100%;background:var(--g-sun);transform-origin:left;transform:scaleX(0)}
.tour-step[aria-selected="true"] .prog.run{animation:fill var(--dur,6s) linear forwards}
.tour.paused .prog,.tour.hold .prog{animation-play-state:paused!important}
.tour-feats{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.tour-feats li{display:inline-flex;align-items:center;gap:8px;padding:9px 14px;border-radius:999px;background:#fff;border:1px solid var(--line);font-size:14px;font-weight:500;color:var(--navy)}
.tour-feats svg{width:17px;height:17px;color:var(--orange)}
.tour-stage{display:flex;flex-direction:column;align-items:center}
.tour-stage .screen{background:#fff;color:var(--ink)}
.tour-stage .isl{margin-top:12px}
.scr{display:none;flex:1;flex-direction:column;padding:10px 20px 22px;animation:paneIn .35s var(--ease)}
.scr.on{display:flex}
.scr-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px}
.scr-top .logo-word{font-size:22px}
.scr-top .scr-logo{height:24px;width:auto;display:block}
.lock-pill{display:inline-flex;align-items:center;gap:5px;padding:4px 9px;border-radius:999px;background:var(--ok-50);color:var(--ok);font-size:11px;font-weight:700}
.lock-pill svg{width:12px;height:12px}
.scr h4{font-size:21px;font-weight:600;letter-spacing:-.025em;color:var(--navy);margin-bottom:4px}
.scr .s-sub{font-size:13px;color:var(--mute);margin-bottom:14px}
.mini-progress{height:6px;border-radius:6px;background:var(--lav);margin-bottom:18px;overflow:hidden}
.mini-progress i{display:block;height:100%;width:66%;border-radius:6px;background:var(--g-sun)}
.fake-field{padding:10px 12px;margin-bottom:10px;border-radius:12px;border:1.5px solid var(--line);font-size:13px}
.fake-field small{display:block;font-size:11px;color:var(--mute)}
.fake-field b{color:var(--navy);font-weight:600}
.fake-field.sel{border-color:var(--orange);background:var(--orange-50)}
.fake-btn{margin-top:auto;padding:13px;border-radius:5px;text-align:center;font-size:14px;font-weight:600;color:var(--navy-950);background:linear-gradient(135deg,#FF8A4C,#E7591F)}
.lo-row{display:flex;align-items:center;gap:10px;margin-bottom:14px}
.avatar{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;flex:none;background:var(--gold);color:var(--navy)}
.avatar svg{width:20px;height:20px}
.lo-row strong{display:block;font-size:14px;color:var(--navy)}
.lo-row small{font-size:12px;font-weight:600;color:var(--ok)}
.msg{max-width:88%;padding:10px 13px;margin-bottom:8px;border-radius:14px;font-size:13px;line-height:1.45}
.msg.lo{background:var(--lav);border-bottom-left-radius:4px}
.msg.me{align-self:flex-end;background:var(--orange);color:var(--navy-950);font-weight:600;border-bottom-right-radius:4px}
.cam{position:relative;display:grid;place-items:center;aspect-ratio:4/3;margin-bottom:14px;border-radius:18px;background:var(--navy)}
.cam::before{content:"";position:absolute;inset:18px;border:2px dashed rgba(255,193,7,.7);border-radius:10px}
.cam::after{content:"";position:absolute;left:18px;right:18px;top:18px;height:2px;background:var(--gold);box-shadow:0 0 12px var(--gold);animation:scan 2.4s ease-in-out infinite}
.cam .doc{width:44%;aspect-ratio:3/4;padding:10px;border-radius:6px;background:#fff;display:grid;gap:5px;align-content:start}
.cam .doc i{display:block;height:5px;border-radius:3px;background:var(--sand)}
.cam .doc i:first-child{width:60%;height:7px;background:var(--lav-200)}
.up-list{display:grid;gap:8px;font-size:13px}
.up-list li{display:flex;justify-content:space-between;align-items:center;padding:9px 12px;border-radius:10px;background:var(--cream)}
.up-list svg{width:16px;height:16px;color:var(--ok)}
.up-list em{font-style:normal;font-weight:700;color:var(--orange-600)}
.celebrate{text-align:center;padding:14px 0 10px}
.big-check{width:74px;height:74px;margin:0 auto 14px;border-radius:50%;display:grid;place-items:center;background:var(--orange);color:var(--navy-950);animation:pop .5s var(--ease)}
.big-check svg{width:36px;height:36px}
.appt{display:flex;gap:12px;align-items:center;margin-top:8px;padding:12px 14px;border-radius:14px;border:1.5px solid var(--line);font-size:13px}
.appt svg{width:22px;height:22px;flex:none;color:var(--orange)}
.appt b{display:block;color:var(--navy)}
.tour-cap{margin-top:16px;font-size:12.5px;color:var(--mute)}

/* 13 ─ Licensing map ────────────────────────────────────────────────────── */
.states{background:linear-gradient(180deg,#E4E0F1 0%,var(--lav) 100%)}
.st-box{display:grid;grid-template-columns:minmax(0,.82fr) minmax(0,1.18fr);gap:48px;align-items:center;padding:clamp(28px,4vw,52px);border-radius:var(--r-lg);background:linear-gradient(135deg,#2F2768 0%,#241C4F 55%,#1C1544 100%);overflow:hidden;box-shadow:var(--sh-2)}
.st-box::before{content:"";position:absolute;inset:0;z-index:0;pointer-events:none;border-radius:inherit;background:radial-gradient(55% 70% at 0% 100%,rgba(243,108,55,.28),rgba(243,108,55,0) 65%),radial-gradient(45% 60% at 100% 0%,rgba(122,108,214,.38),rgba(122,108,214,0) 65%)}
.st-box .sub{margin:16px 0 26px}
.st-sel{width:100%;max-width:420px;height:56px;padding:0 44px 0 16px;border:0;border-radius:var(--r-xs);font-size:16px;font-weight:500;color:var(--navy);appearance:none;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23241C4F' stroke-width='1.8' fill='none'/%3E%3C/svg%3E") no-repeat right 16px center}
.st-res{display:flex;flex-wrap:wrap;align-items:center;gap:12px;min-height:56px;margin-top:14px;font-size:15px;color:#DCD7EF}
.st-hint{font-size:14px;color:#A7A1C9}
.st-res .pill{padding:8px 14px;border-radius:var(--r-xs);font-size:14px;font-weight:600}
.pill.licensed{background:var(--ok-50);color:#0E5636}
.pill.soon{background:var(--gold);color:var(--navy)}
.pill.not{background:rgba(255,255,255,.14);color:#fff}
.st-counts{display:flex;flex-wrap:wrap;gap:22px;margin-top:22px;padding-top:22px;border-top:1px solid var(--line-d)}
.st-counts div{font-size:13px;color:#B9B3D6}
.st-counts b{display:block;font-size:30px;font-weight:500;letter-spacing:-.03em;color:#fff;line-height:1.1}
.map-card{position:relative;padding:22px;border-radius:var(--r);background:#fff;box-shadow:0 30px 60px -30px rgba(0,0,0,.5);overflow:hidden}
.world-map-container{display:flex;justify-content:center;align-items:center;position:relative;width:100%;min-height:360px}
.world-map1{width:100%;height:auto;position:relative}
.map-loader{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;background:#fff;z-index:10}
.map-loader .spinner{border:4px solid #ddd;border-top:4px solid #df733b;border-radius:50%;width:40px;height:40px;animation:spin 1s linear infinite;margin-bottom:10px}
.legend{display:flex;justify-content:center;flex-wrap:wrap;gap:18px;margin-top:14px;padding-top:12px;border-top:1px solid var(--line);font-size:13px;font-weight:500;color:var(--body)}
.legend-color{width:14px;height:14px;display:inline-block;margin-right:6px;border-radius:3px;vertical-align:-2px}
.legend-color.licensed,.licensed{background-color:#df733b}
.legend-color.coming-soon,.coming-soon{background-color:#feb901}
.legend-color.not-licensed,.not-licensed{background-color:#e8e0dd}
@keyframes spin{0%{transform:rotate(0deg)}100%{transform:rotate(360deg)}}

/* SimpleMaps State Hover Tooltip - State Name & License Status in White */
div[id^="tt_sm_"],
div[id^="tt_sm_"] *,
.tt_sm,
.tt_sm *,
.tt_name_sm,
.tt_custom_sm {
  color: #ffffff !important;
}

div[id^="tt_sm_"] .tt_sm,
.tt_sm {
  background-color: #241C4F !important;
  color: #ffffff !important;
  border-radius: 8px !important;
  padding: 8px 14px !important;
  box-shadow: 0 10px 25px -5px rgba(0, 0, 0, 0.4), 0 8px 10px -6px rgba(0, 0, 0, 0.3) !important;
  border: 1px solid rgba(255, 255, 255, 0.2) !important;
  font-family: 'Geist', -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif !important;
}

.tt_name_sm {
  color: #ffffff !important;
  font-weight: 700 !important;
  font-size: 13px !important;
  line-height: 1.3 !important;
}

.tt_custom_sm {
  color: #ffffff !important;
  font-size: 12px !important;
  font-weight: 500 !important;
  opacity: 0.95 !important;
  text-transform: capitalize !important;
  margin-top: 2px !important;
}

/* 14 ─ Reviews ──────────────────────────────────────────────────────────── */
.reviews{background:#fff;overflow:hidden}
.score{display:flex;align-items:center;gap:18px;justify-self:end}
.score .num{font-size:clamp(64px,7vw,88px);font-weight:500;letter-spacing:-.06em;line-height:.8;color:var(--navy)}
.score small{display:block;margin-top:6px;font-size:14px;color:var(--body)}
.rv-tabs-wrap{display:flex;align-items:center;justify-content:center;margin-top:24px}
.rv-tabs{display:inline-flex;align-items:center;gap:6px;padding:5px;background:var(--cream);border:1px solid var(--line);border-radius:999px;box-shadow:inset 0 1px 3px rgba(36,28,79,.04)}
.rv-tab{display:inline-flex;align-items:center;gap:9px;padding:9px 20px;border-radius:999px;border:1px solid transparent;background:transparent;color:var(--body);font-size:14.5px;font-weight:600;cursor:pointer;transition:all .25s var(--ease);user-select:none;-webkit-tap-highlight-color:transparent}
.rv-tab:hover{color:var(--navy);background:rgba(255,255,255,.65)}
.rv-tab.on{background:#fff;color:var(--navy);border-color:rgba(36,28,79,.08);box-shadow:0 3px 12px rgba(36,28,79,.08)}
.rv-tab-ic{width:18px;height:18px;display:inline-block;vertical-align:middle;flex:none;object-fit:contain}
.rv-tab-ic.z-ic{width:18px;height:18px;object-fit:cover;object-position:0 50%}
.mq{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);margin-top:22px}
.mq-t{display:flex;gap:18px;width:max-content;padding:12px 0 18px;animation:marquee var(--mq-dur,70s) linear infinite}
.mq:hover .mq-t,.mq:focus-within .mq-t,.mq.paused .mq-t{animation-play-state:paused}
.rv-c{flex:none;width:420px;display:flex;flex-direction:column;gap:14px;padding:30px;border-radius:var(--r-lg);background:var(--cream);border:1px solid var(--line);transition:transform .4s var(--ease),box-shadow .4s,background .4s}
.rv-c:hover{transform:translateY(-4px);background:#fff;box-shadow:var(--sh-2)}
.rv-c .q{display:block;height:40px;margin-bottom:-6px;font-family:var(--serif);font-size:84px;line-height:1;background:var(--g-sun);-webkit-background-clip:text;background-clip:text;color:transparent}
.rv-c h3{font-size:21px;font-weight:600;letter-spacing:-.025em;color:var(--navy)}
.rv-c p{flex:1;font-size:15px;line-height:1.6;color:var(--body)}
.who{display:flex;align-items:center;gap:12px;padding-top:16px;border-top:1px solid var(--line)}
.who .a{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;flex:none;font-size:13px;font-weight:600;color:#fff}
.who b{display:block;font-size:15px;font-weight:600}
.who small{font-size:12.5px;color:var(--mute)}
.who .tg{margin-left:auto;padding:5px 10px;border-radius:999px;background:var(--sand-50);color:var(--navy);font-size:12px;font-weight:500;white-space:nowrap}
.mq-ctrl{display:flex;justify-content:center;align-items:center;gap:12px;margin-top:18px}
.mq-ctrl button,.mq-ctrl a{display:inline-flex;align-items:center;gap:8px;padding:8px 16px;border-radius:999px;font-size:13.5px;font-weight:500;color:var(--body);background:#fff;border:1px solid var(--line);cursor:pointer;text-decoration:none;transition:background .2s,color .2s,border-color .2s,box-shadow .2s;user-select:none}
.mq-ctrl button:hover,.mq-ctrl a:hover{background:var(--cream);color:var(--navy)}
.mq-ctrl a:visited{color:var(--body)}
.mq-ctrl a:hover:visited{color:var(--navy)}
.mq-ctrl button.on,.mq-ctrl a.on{background:var(--navy);color:#fff;border-color:var(--navy);box-shadow:0 3px 12px rgba(36,28,79,.16)}
.mq-ctrl button.on svg,.mq-ctrl a.on svg{color:#fff}
.mq-ctrl svg{width:14px;height:14px}
.mq-ctrl .rv-tab-ic{width:16px;height:16px;display:inline-block;vertical-align:middle;flex:none;object-fit:contain}
.mq-ctrl .rv-tab-ic.z-ic{object-fit:cover;object-position:0 50%}

/* 15 ─ FAQ & MORTi ──────────────────────────────────────────────────────── */
.faq{background:var(--cream)}
.faq-grid{display:grid;grid-template-columns:minmax(0,1.32fr) minmax(0,.68fr);gap:56px;align-items:start}
.faq .h2{margin-bottom:34px}
.faq-list{display:grid;gap:12px}
.qa{border-radius:var(--r);background:#fff;border:1px solid var(--line);transition:box-shadow .3s,border-color .3s}
.qa:hover{border-color:rgba(36,28,79,.2)}
.qa[open]{box-shadow:var(--sh-1);border-color:transparent}
.qa summary{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:21px 24px;list-style:none;cursor:pointer;font-size:17px;font-weight:600;letter-spacing:-.01em;color:var(--navy)}
.qa summary::-webkit-details-marker{display:none}
.qa summary i{position:relative;width:28px;height:28px;flex:none;border-radius:50%;transition:background .3s}
.qa summary i::before,.qa summary i::after{content:"";position:absolute;left:8px;right:8px;top:13px;height:2px;border-radius:2px;background:var(--orange);transition:transform .3s var(--ease),background .3s}
.qa summary i::after{transform:rotate(90deg)}
.qa[open] summary i{background:var(--orange)}
.qa[open] summary i::before,.qa[open] summary i::after{background:#fff}
.qa[open] summary i::after{transform:rotate(0)}
.qa .ans{padding:0 24px 22px;max-width:70ch;font-size:15.5px;line-height:1.65;color:var(--body)}
.qa .ans a{font-weight:600;color:var(--navy);text-decoration:underline;text-decoration-color:var(--orange);text-underline-offset:3px;transition:color .2s,text-decoration-color .2s}
.qa .ans a:hover{color:#F36C37;text-decoration-color:#F36C37}

.morti-card{position:sticky;top:calc(var(--header-h) + 120px);margin-top:118px;padding:26px;border-radius:var(--r-lg);background:var(--sand-50);border:1px solid var(--sand)}
.morti-fig{position:absolute;right:2px;top:-108px;width:136px;pointer-events:none;filter:drop-shadow(0 18px 18px rgba(101,78,70,.28));animation:bob 6s ease-in-out infinite;transform-origin:50% 100%}
.morti-card h3{font-size:24px;font-weight:600;letter-spacing:-.025em;color:var(--navy);padding-right:120px}
.morti-card>p{margin-top:6px;font-size:15px;line-height:1.5;color:var(--body);padding-right:118px}
.ask{display:grid;gap:10px;margin:22px 0 18px}
.ask button{display:flex;justify-content:space-between;align-items:center;gap:12px;width:100%;padding:14px 16px;border-radius:14px;background:#fff;border:1.5px solid transparent;text-align:left;font-size:15px;font-weight:600;color:var(--navy);transition:border-color .2s,transform .3s var(--ease)}
.ask button:hover{border-color:var(--orange);transform:translateX(3px)}
.ask svg{width:17px;height:17px;flex:none;color:var(--orange)}
.morti-card small{display:block;font-size:12.5px;line-height:1.5;color:var(--mute)}

/* 16 ─ CTA band ─────────────────────────────────────────────────────────── */
.band{overflow:hidden;background:linear-gradient(100deg,#E0561F 0%,#F36C37 45%,#FF8E3E 100%);color:#fff}
.band::before{content:"";position:absolute;left:-4%;top:0;bottom:0;width:48%;z-index:0;background:rgba(255,255,255,.08);clip-path:polygon(0 0,62% 0,100% 100%,0 100%)}
.band .wrap::before{content:"";position:absolute;right:-30vw;top:0;bottom:0;width:60vw;background:rgba(255,193,7,.2);clip-path:polygon(30% 0,100% 0,100% 100%,0 100%);z-index:-1}
.band .wrap{position:relative;display:flex;justify-content:space-between;align-items:center;gap:40px;flex-wrap:wrap;padding-top:64px;padding-bottom:64px}
.band h2{max-width:600px;font-size:clamp(28px,3vw,40px);font-weight:600;letter-spacing:-.03em;line-height:1.12}
.band p{max-width:620px;margin-top:12px;font-size:17px;line-height:1.55;color:rgba(255,255,255,.94)}
.band-b{display:flex;flex-wrap:wrap;gap:14px}
.band-b .btn{--fg:var(--orange-600);height:56px;font-size:14.5px;letter-spacing:.04em;text-transform:uppercase;--cut:12px;transition:transform .3s var(--ease),box-shadow .3s var(--ease),filter .3s var(--ease),opacity .2s,color .2s ease}
.band-b .btn:hover{color:#241C4F;--fg:#241C4F}

.cookie{position:fixed;left:50%;bottom:24px;transform:translateX(-50%);z-index:100;display:flex;align-items:center;gap:20px;width:calc(100% - 48px);max-width:860px;padding:16px 20px 16px 24px;border-radius:var(--r);background:rgba(255,255,255,.98);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border:1px solid var(--line);box-shadow:0 12px 36px rgba(36,28,79,.18);font-size:13.5px;line-height:1.5;color:var(--body);transition:opacity .3s,transform .35s var(--ease)}
.cookie.hide{opacity:0;transform:translate(-50%,20px);pointer-events:none}
.cookie a{font-weight:600;color:var(--orange);text-decoration:none;border-bottom:1px dashed rgba(243,108,55,.4);transition:border-bottom .2s,color .2s}
.cookie a:hover{color:#F36C37;border-bottom:1px solid #F36C37}
.footer1 a:hover,.footer-links a:hover,.contact-info a:hover,.contact-info a:hover *,.contact-info p a:hover,a[href^="tel:"]:not(.btn):hover,a[href^="tel:"]:not(.btn):hover *{color:#F36C37!important}
.cookie-actions{display:flex;gap:10px;flex:none}
.cookie .btn{height:42px;padding:0 18px;font-size:13.5px;box-shadow:none}

.sticky-bar{position:fixed;left:0;right:0;bottom:0;z-index:95;display:none;grid-template-columns:1fr 1.6fr;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.95);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-top:1px solid var(--line);transform:translateY(110%);transition:transform .4s var(--ease)}
.sticky-bar.show{transform:none}
.sticky-bar .btn{height:48px;padding:0 12px}

.floating-logo{z-index:96;transition:transform .3s var(--ease),bottom .35s cubic-bezier(.16,1,.3,1)}
.morti-fab{position:fixed;right:24px;bottom:24px;z-index:96;display:flex;align-items:center;gap:10px;padding:6px 18px 6px 6px;border-radius:999px;background:var(--navy);color:#fff;font-size:15px;font-weight:600;box-shadow:0 16px 34px -12px rgba(36,28,79,.6);transition:transform .3s var(--ease),bottom .3s var(--ease)}
.morti-fab:hover{transform:translateY(-3px)}
.morti-fab img{width:46px;height:46px;border-radius:50%;object-fit:cover;object-position:50% 12%;background:var(--sand)}
.morti-fab::before{content:"";position:absolute;left:6px;top:6px;width:46px;height:46px;border-radius:50%;box-shadow:0 0 0 0 rgba(255,193,7,.6);animation:ping 2.6s infinite}
.morti-panel{position:fixed;right:24px;bottom:92px;z-index:110;width:min(380px,calc(100vw - 32px));border-radius:22px;overflow:hidden;background:#fff;border:1px solid var(--line);box-shadow:0 40px 80px -24px rgba(18,13,46,.55);opacity:0;visibility:hidden;transform:translateY(14px) scale(.98);transform-origin:100% 100%;transition:opacity .25s,visibility .25s,transform .35s var(--ease)}
.morti-panel.open{opacity:1;visibility:visible;transform:none}
.mp-head{display:flex;align-items:center;gap:12px;padding:14px 16px;background:var(--g-night);color:#fff}
.mp-head img{width:42px;height:42px;border-radius:50%;object-fit:cover;object-position:50% 12%;background:var(--sand)}
.mp-head strong{display:block;font-size:16px}
.mp-head small{font-size:12px;color:#B9B3D6}
.mp-head .mp-x{margin-left:auto;width:36px;height:36px;border-radius:10px;display:grid;place-items:center;color:#fff}
.mp-head .mp-x:hover{background:rgba(255,255,255,.12)}
.mp-head .mp-x svg{width:18px;height:18px}
.mp-body{display:flex;flex-direction:column;gap:10px;min-height:170px;max-height:320px;overflow-y:auto;padding:16px;font-size:14.5px;line-height:1.5}
.bubble{max-width:86%;padding:10px 14px;border-radius:16px}
.bubble.bot{background:var(--lav);color:var(--ink);border-bottom-left-radius:4px}
.bubble.me{align-self:flex-end;background:var(--orange);color:var(--navy-950);font-weight:600;border-bottom-right-radius:4px}
.mp-sugg{display:flex;flex-wrap:wrap;gap:6px;padding:0 16px 12px}
.mp-sugg button{padding:7px 12px;border-radius:999px;font-size:12.5px;font-weight:500;color:var(--navy);background:var(--cream);border:1px solid var(--line)}
.mp-sugg button:hover{border-color:var(--orange)}
.mp-input{display:flex;gap:8px;padding:12px;border-top:1px solid var(--line)}
.mp-input input{flex:1;min-width:0;height:46px;padding:0 16px;border-radius:12px;border:1.5px solid var(--line);font-size:15px}
.mp-input input:focus{outline:none;border-color:var(--navy)}
.mp-input .btn{width:46px;height:46px;padding:0;--cut:8px}
.mp-note{padding:0 16px 12px;font-size:11.5px;color:var(--mute)}

/* 19 ─ Motion ───────────────────────────────────────────────────────────── */
.js .rv{opacity:0;transform:translateY(24px);transition:opacity .9s var(--ease),transform .9s var(--ease)}
.js .rv.in{opacity:1;transform:none}
.js .d1{transition-delay:.08s}.js .d2{transition-delay:.16s}.js .d3{transition-delay:.24s}
@keyframes breathe{0%,100%{transform:scale(1);opacity:1}50%{transform:scale(1.04);opacity:.9}}
@keyframes ping{0%{box-shadow:0 0 0 0 rgba(61,220,151,.7)}100%{box-shadow:0 0 0 9px rgba(61,220,151,0)}}
@keyframes draw{to{stroke-dashoffset:0}}
@keyframes paneIn{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
@keyframes marquee{to{transform:translateX(-50%)}}
@keyframes fill{to{transform:scaleX(1)}}
@keyframes scan{0%,100%{top:18px}50%{top:calc(100% - 20px)}}
@keyframes pop{0%{transform:scale(.6);opacity:0}100%{transform:scale(1);opacity:1}}
@keyframes ring{0%{box-shadow:0 0 0 0 rgba(36,28,79,.45)}100%{box-shadow:0 0 0 12px rgba(36,28,79,0)}}
@keyframes bob{0%,100%{transform:translateY(0) rotate(0)}50%{transform:translateY(-8px) rotate(-2deg)}}

/* 20 ─ Responsive ───────────────────────────────────────────────────────── */
@media (max-width:1380px){
  .header-phone span{display:none}
  .header-inner{gap:18px}
}
@media (max-width:1240px){
  .nav-top .nav-link{padding:10px 2px 10px 10px;font-size:14.5px}
  .dd-btn-label{font-size:14.5px;padding:10px}
  .header-login{display:none}
  .main-nav>ul{margin-left:16px}
}
@media (max-width:1060px){
  .main-nav,.header-phone,.header-actions>.btn{display:none}
  .icon-btn{display:inline-flex}
}
@media (max-width:1200px){
  .tools-row{grid-template-columns:repeat(3,minmax(0,1fr))}
  .tools-head{grid-column:1/-1;display:flex;justify-content:space-between;align-items:baseline;gap:20px;margin-bottom:4px}
  .tools-head a{margin-top:0}
}
@media (max-width:1024px){
  :root{--header-h:68px}
  .hero{min-height:0}
  .hero-in{grid-template-columns:1fr;gap:40px;padding-top:56px;padding-bottom:72px}
  .console{max-width:640px}
  .head{grid-template-columns:1fr;gap:16px}
  .head>.sub,.score{justify-self:start}
  .calc-grid{grid-template-columns:1fr;gap:24px}
  .calc-stage{min-height:0;padding-top:16px}
  .tour-grid{grid-template-columns:1fr;gap:48px}
  .st-box{grid-template-columns:1fr;gap:32px}
  .faq-grid{grid-template-columns:1fr;gap:24px}
  .morti-card{position:relative;top:0;margin-top:84px}
}
@media (max-width:900px){
  .cards{grid-template-columns:1fr}
  .trust-inner{grid-template-columns:repeat(2,minmax(0,1fr))}
  .t-item{padding:18px 14px}
  .t-item:nth-child(n){border-left:0;border-top:0}
  .t-item:nth-child(even){border-left:1px solid var(--line)}
  .t-item:nth-child(n+3){border-top:1px solid var(--line)}
  .tools-row{grid-template-columns:1fr}
  .cookie{left:50%;right:auto;bottom:12px;transform:translateX(-50%);width:calc(100% - 24px);max-width:860px}
}
@media (max-width:480px){
  .t-item{gap:10px;padding:16px 12px}
  .t-item .ic{width:36px;height:36px;border-radius:10px}
  .t-item .ic svg{width:18px;height:18px}
  .t-item b{font-size:13.5px}
  .t-item small{font-size:11.5px}
  .rv-tab{padding:8px 16px;font-size:13.5px;gap:7px}
  .rv-tab-ic,.rv-tab-ic.z-ic{width:16px;height:16px}
}
@media (max-width:640px){
  :root{--gutter:20px;--sec:72px}
  .logo-word{font-size:27px}
  .hero-in{padding-top:40px;padding-bottom:56px;gap:32px}
  .hero h1{font-size:clamp(38px,10.6vw,50px);margin:20px 0 16px}
  .hero-p{font-size:16.5px}
  .proof{margin-top:24px;gap:12px}
  .proof-div,.proof-nmls{display:none}
  .console{padding:20px;border-radius:26px}
  .r-sum{grid-template-columns:repeat(2,minmax(0,1fr))}
  .r-next{grid-template-columns:1fr}
  .r-next li{flex-direction:row;flex-wrap:wrap;align-items:center;column-gap:10px}
  .r-next li::before{margin:0}
  .r-next span{flex-basis:100%}
  .r-cta .btn{flex:1 1 100%}
  .opt{padding:13px;min-height:122px}
  .opt .oi{width:36px;height:36px;margin-bottom:8px}
  .opt b{font-size:15px}
  .stepper .lab{font-size:12px}
  .row2{grid-template-columns:1fr;gap:0}
  .sunwrap{width:230vw;transform:translate(-50%,calc(72% - var(--lift,0%)))}
  .h2{font-size:clamp(32px,9.4vw,42px)}
  .card{grid-template-columns:1fr;min-height:0}
  .c-pan{height:128px}
  .c-pan svg{width:62px;height:62px}
  .c-body{padding:22px 22px 20px}
  .c-body h3{font-size:23px}
  .loan-note{padding:18px}
  .loan-note .btn{width:100%}
  .sl-v{font-size:21px}
  .calc-cta .btn{flex:1 1 100%}
  .calc-stage .device{transform:none}
  .device{width:288px;height:584px;border-radius:46px}
  .device .screen{border-radius:37px}
  .gauge-wrap,.gauge{width:212px}
  .gauge{height:124px}
  .g-mid b{font-size:33px}
  .tour-step{grid-template-columns:42px 1fr;gap:14px;padding:16px}
  .step-n{width:42px;height:42px;font-size:16px}
  .tour-step h3{font-size:18px}
  .tour-feats li{font-size:13px;padding:8px 12px}
  .st-counts b{font-size:26px}
  .map-card{padding:14px 12px 12px;margin:0 -6px}
  .map-legend{font-size:12px;gap:8px 14px}
  .rv-c{width:300px;padding:24px}
  .who .tg{display:none}
  .qa summary{padding:18px;font-size:16px}
  .qa .ans{padding:0 18px 18px;font-size:15px}
  .morti-card{padding:22px}
  .morti-fig{width:104px;top:-80px}
  .morti-card h3{padding-right:96px}
  .morti-card>p{padding-right:96px}
  .band .wrap{padding-top:52px;padding-bottom:52px}
  .band-b,.band-b .btn{width:100%}
  .sticky-bar{display:grid}
  body.has-bar .morti-fab,
  body.has-bar .floating-logo{bottom:calc(82px + env(safe-area-inset-bottom, 0px))!important}
  body.has-bar .morti-panel,
  body.has-bar .chat-window{bottom:calc(135px + env(safe-area-inset-bottom, 0px))!important}
  .morti-fab{right:14px;bottom:16px;padding:5px}
  .morti-fab span{display:none}
  .morti-fab img{width:46px;height:46px}
  .morti-panel{right:16px;bottom:84px}
  .cookie{flex-direction:column;align-items:stretch;gap:12px;padding:16px}
  body.cookie-on .morti-fab,
  body.cookie-on .floating-logo{opacity:0;pointer-events:none}
  .cookie-actions .btn{flex:1}
}
@media (max-width:450px){
  .tour-grid{display:flex;flex-direction:column;gap:0}
  .tour-grid>div:first-child{display:contents}
  .tour-grid .lockup{order:1}
  .tour-grid .h2{order:2}
  .tour-grid .sub{order:3}
  .tour-grid .tour-steps{order:4}
  .tour-stage{order:5;margin-top:28px}
  .tour-feats{order:6;margin-top:28px}
  .calc-grid{display:flex;flex-direction:column;align-items:stretch}
  .calc-grid>div:first-child,
  .calc-grid>div:first-child>.rv.d2{display:contents}
  .calc .lockup{align-self:flex-start}
  .sl{width:100%;max-width:100%}
  .calc .terms{margin-bottom:20px}
  .calc-stage{order:1;padding-top:0;margin:8px 0 24px}
  .calc-cta{order:2;width:100%}
  .calc .fine{order:3;margin-top:20px}
  .st-box{display:flex;flex-direction:column}
  .st-box>div:first-child{display:contents}
  .map-card{order:1;margin-top:14px}
  .world-map-container{min-height:200px}
  .st-counts{order:2}
  .st-counts div{font-size:8px}
  .morti-fig{width:125px;top:-92px}
}
@media (max-width:430px){
  .st-box{gap:10px}
}
@media (max-width:420px){
  .tchip{font-size:10.5px}
  .tour-feats li{font-size:11px}
}
@media (max-width:410px){
  .sl{margin-bottom:6px}
  .calc .terms{margin-bottom:1px}
  .terms-lbl{margin-bottom:1px}
  .calc-grid{gap:18px}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
  .js .rv{opacity:1;transform:none}
  .ul path{stroke-dashoffset:0}
  .mq{overflow-x:auto;-webkit-mask-image:none;mask-image:none}
}
@media print{
  .site-header,.cookie,.sticky-bar,.morti-fab,.morti-panel,.hero-bg{display:none!important}
}