/* ==========================================================================
   DESIGN TOKENS
   ========================================================================== */
:root {
  /* Colors */
  --white: #FFFFFF;
  --off-white: #FAFAF8;
  --charcoal: #2F2F2F;
  --charcoal-soft: #4A4A4A;
  --text-secondary: #7A7066;
  --beige: #EAE2D8;
  --beige-light: #F5F0EA;
  --beige-deep: #D4C8B8;
  --beige-muted: #F8F4EE;
  --border: rgba(47, 47, 47, 0.10);
  --border-strong: rgba(47, 47, 47, 0.18);
  --success: #4F6F52;

  /* Typography */
  --font-display: 'Lora', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  /* Layout */
  --container: 1280px;
  --container-narrow: 1080px;
  --radius-sm: 6px;
  --radius: 8px;
  --radius-lg: 14px;

  /* Motion */
  --ease: cubic-bezier(0.22, 0.61, 0.36, 1);
  --ease-out: cubic-bezier(0.16, 1, 0.3, 1);
}

/* ==========================================================================
   RESET + BASE
   ========================================================================== */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 17px;
  line-height: 1.65;
  color: var(--charcoal);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}
img, svg { display: block; max-width: 100%; height: auto; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
input, select, textarea { font-family: inherit; font-size: inherit; color: inherit; }
::selection { background: var(--beige); color: var(--charcoal); }

h1, h2, h3, h4, h5 {
  font-family: var(--font-display);
  font-weight: 500;
  letter-spacing: -0.01em;
  line-height: 1.18;
  color: var(--charcoal);
}

p { color: var(--charcoal-soft); }

.container { max-width: var(--container); margin: 0 auto; padding: 0 32px; }
.container-narrow { max-width: var(--container-narrow); margin: 0 auto; padding: 0 32px; }

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-secondary);
}
.eyebrow::before {
  content: '';
  width: 24px; height: 1px;
  background: var(--beige-deep);
}

/* ==========================================================================
   BUTTONS
   ========================================================================== */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 500;
  letter-spacing: 0.01em;
  padding: 13px 26px;
  border-radius: var(--radius);
  transition: all 0.25s var(--ease);
  white-space: nowrap;
  text-align: center;
  border: 1px solid transparent;
}
.btn-primary {
  background: var(--charcoal);
  color: var(--white);
}
.btn-primary:hover { background: #1a1a1a; transform: translateY(-1px); }
.btn-secondary {
  background: transparent;
  color: var(--charcoal);
  border-color: var(--border-strong);
}
.btn-secondary:hover { background: var(--beige-muted); border-color: var(--charcoal); }
.btn-ghost {
  background: transparent;
  color: var(--charcoal);
  padding: 13px 0;
}
.btn-ghost::after {
  content: '→';
  margin-left: 4px;
  transition: transform 0.25s var(--ease);
}
.btn-ghost:hover::after { transform: translateX(4px); }

.btn-sm { padding: 10px 20px; font-size: 14px; }
.btn-lg { padding: 16px 32px; font-size: 16px; }

/* ==========================================================================
   UTILITY BAR
   ========================================================================== */
.utility-bar {
  background: var(--charcoal);
  color: var(--white);
  font-size: 13px;
  padding: 9px 0;
  font-weight: 400;
  letter-spacing: 0.01em;
}
.utility-bar .container {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
}
.utility-bar a { color: rgba(255,255,255,0.85); transition: color 0.2s; }
.utility-bar a:hover { color: var(--white); }
.utility-left { display: flex; gap: 24px; align-items: center; }
.utility-left strong { color: var(--white); font-weight: 500; }
.utility-right { display: flex; gap: 24px; align-items: center; font-size: 12px; }
.utility-right .sep { opacity: 0.3; }

@media (max-width: 768px) {
  .utility-bar { font-size: 12px; padding: 8px 0; }
  .utility-bar .container { padding: 0 20px; }
  .utility-left { gap: 14px; }
  .utility-right { display: none; }
}

/* ==========================================================================
   HEADER + NAVIGATION (Reference-style mega-menu)
   ========================================================================== */
.header {
  background: var(--white);
  border-bottom: 1px solid var(--border);
  position: sticky;
  top: 0;
  z-index: 100;
  transition: box-shadow 0.3s var(--ease);
}
.header.scrolled { box-shadow: 0 2px 12px rgba(0,0,0,0.04); }
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 88px;
  gap: 32px;
}
.logo {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 22px;
  letter-spacing: -0.01em;
  color: var(--charcoal);
  display: flex;
  align-items: baseline;
  gap: 2px;
}
.logo-mark {
  display: inline-block;
  width: 8px; height: 8px;
  background: var(--beige-deep);
  border-radius: 50%;
  margin-right: 10px;
  transform: translateY(-2px);
}
.logo-sub {
  font-family: var(--font-body);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--text-secondary);
  margin-left: 8px;
}

.main-nav {
  display: flex;
  align-items: center;
  gap: 4px;
}
.nav-item {
  position: relative;
}
.nav-link {
  display: flex;
  align-items: center;
  gap: 6px;
  padding: 14px 18px;
  font-size: 15px;
  font-weight: 500;
  color: var(--charcoal);
  cursor: pointer;
  transition: color 0.2s;
  border-radius: var(--radius-sm);
}
.nav-link:hover, .nav-item.active .nav-link { color: var(--charcoal); }
.nav-link svg {
  width: 10px; height: 10px;
  opacity: 0.5;
  transition: transform 0.25s var(--ease);
}
.nav-item.active .nav-link svg { transform: rotate(180deg); opacity: 0.9; }

.header-cta {
  display: flex;
  align-items: center;
  gap: 12px;
}

/* Mega menu rebuilt below */
@media (max-width: 1024px) {
  .main-nav, .header-cta .btn-secondary { display: none; }
  .mobile-toggle { display: flex; }
  .header-inner { height: 72px; }
  .logo { font-size: 19px; }
  .logo-sub { display: none; }
}
@media (max-width: 600px) {
  .header-cta .btn { padding: 10px 18px; font-size: 13px; }
  .container { padding: 0 20px; }
}

/* ==========================================================================
   HERO
   ========================================================================== */
.hero {
  padding: 88px 0 96px;
  position: relative;
  overflow: hidden;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: 72px;
  align-items: center;
}
.hero-content { max-width: 580px; }
.hero h1 {
  font-size: clamp(40px, 5.2vw, 68px);
  line-height: 1.05;
  letter-spacing: -0.02em;
  font-weight: 500;
  margin: 28px 0 24px;
}
.hero h1 em {
  font-style: italic;
  font-weight: 400;
  color: var(--text-secondary);
}
.hero-lead {
  font-size: 18px;
  line-height: 1.65;
  color: var(--charcoal-soft);
  margin-bottom: 36px;
  max-width: 500px;
}
.hero-actions {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
  margin-bottom: 48px;
}
.hero-trust {
  display: flex;
  gap: 36px;
  padding-top: 32px;
  border-top: 1px solid var(--border);
}
.trust-item {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.trust-num {
  font-family: var(--font-display);
  font-size: 32px;
  font-weight: 500;
  color: var(--charcoal);
  line-height: 1;
  letter-spacing: -0.02em;
}
.trust-label {
  font-size: 12px;
  color: var(--text-secondary);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

/* Hero visual */
.hero-visual {
  position: relative;
  aspect-ratio: 4/5;
  max-width: 520px;
  margin-left: auto;
}
.hero-image {
  position: absolute;
  inset: 0;
  border-radius: var(--radius-lg);
  background: linear-gradient(180deg, #d4c8b8 0%, #bfb09c 100%);
  overflow: hidden;
  box-shadow: 0 30px 60px -20px rgba(47,47,47,0.18);
}
/* Decorative house illustration */
.hero-image svg { width: 100%; height: 100%; }

.hero-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius);
  padding: 18px 22px;
  box-shadow: 0 12px 32px -12px rgba(47,47,47,0.18);
  border: 1px solid var(--border);
}
.hero-card-1 {
  top: 8%;
  left: -36px;
  display: flex;
  align-items: center;
  gap: 12px;
}
.hero-card-1 .stars {
  display: flex;
  gap: 2px;
}
.hero-card-1 .stars span {
  color: #E8B92E;
  font-size: 14px;
}
.hero-card-1 strong { font-size: 14px; font-weight: 600; }
.hero-card-1 small { display: block; font-size: 12px; color: var(--text-secondary); }

.hero-card-2 {
  bottom: 8%;
  right: -36px;
  width: 240px;
}
.hero-card-2 .label {
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-secondary);
  margin-bottom: 6px;
}
.hero-card-2 .value {
  font-family: var(--font-display);
  font-size: 26px;
  font-weight: 500;
  color: var(--charcoal);
  margin-bottom: 4px;
}
.hero-card-2 .desc {
  font-size: 13px;
  color: var(--charcoal-soft);
  line-height: 1.4;
}

@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; gap: 56px; }
  .hero-visual { max-width: 460px; margin: 0 auto; }
  .hero-card-1 { left: -16px; }
  .hero-card-2 { right: -16px; }
}
@media (max-width: 768px) {
  .hero { padding: 56px 0 72px; }
  .hero-trust { flex-wrap: wrap; gap: 24px; }
  .hero-card-1, .hero-card-2 { display: none; }
}

/* ==========================================================================
   PARTNERS / TRUST STRIP
   ========================================================================== */
.trust-strip {
  border-top: 1px solid var(--border);
  border-bottom: 1px solid var(--border);
  padding: 28px 0;
  background: var(--off-white);
}
.trust-strip-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
}
.trust-strip-label {
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-secondary);
  font-weight: 500;
}
.trust-strip-logos {
  display: flex;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
  font-family: var(--font-display);
  color: var(--charcoal-soft);
}
.trust-strip-logos > div {
  font-size: 16px;
  font-weight: 500;
  opacity: 0.7;
  letter-spacing: 0.02em;
}

/* ==========================================================================
   SECTION SHARED
   ========================================================================== */
.section { padding: 112px 0; }
.section-header {
  max-width: 720px;
  margin-bottom: 64px;
}
.section-header.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-header h2 {
  font-size: clamp(32px, 3.4vw, 48px);
  font-weight: 500;
  letter-spacing: -0.02em;
  margin: 16px 0 20px;
  line-height: 1.1;
}
.section-header p {
  font-size: 17px;
  color: var(--charcoal-soft);
  line-height: 1.6;
  max-width: 580px;
}
.section-header.center p { margin-left: auto; margin-right: auto; }

@media (max-width: 768px) {
  .section { padding: 72px 0; }
  .section-header { margin-bottom: 44px; }
}

/* ==========================================================================
   LOAN TYPES
   ========================================================================== */
.loans { background: var(--white); }
.loans-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.loan-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  padding: 36px 32px;
  transition: all 0.3s var(--ease);
  display: flex;
  flex-direction: column;
  min-height: 320px;
  position: relative;
  overflow: hidden;
}
.loan-card:hover {
  border-color: var(--border-strong);
  transform: translateY(-3px);
}
.loan-card-icon {
  width: 44px; height: 44px;
  background: var(--beige-muted);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 24px;
  transition: background 0.3s var(--ease);
}
.loan-card:hover .loan-card-icon { background: var(--beige); }
.loan-card-icon svg { width: 20px; height: 20px; color: var(--charcoal); }
.loan-card h3 {
  font-size: 24px;
  font-weight: 500;
  margin-bottom: 10px;
  line-height: 1.2;
}
.loan-card p {
  font-size: 15px;
  color: var(--charcoal-soft);
  line-height: 1.55;
  margin-bottom: 24px;
  flex: 1;
}
.loan-card-meta {
  display: flex;
  flex-direction: column;
  gap: 6px;
  padding-top: 20px;
  border-top: 1px solid var(--border);
  margin-bottom: 20px;
}
.loan-card-meta-row {
  display: flex;
  justify-content: space-between;
  font-size: 13px;
}
.loan-card-meta-row span:first-child { color: var(--text-secondary); }
.loan-card-meta-row span:last-child { font-weight: 500; color: var(--charcoal); }
.loan-card-link {
  font-size: 14px;
  font-weight: 500;
  color: var(--charcoal);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.loan-card-link::after {
  content: '→';
  transition: transform 0.25s var(--ease);
}
.loan-card:hover .loan-card-link::after { transform: translateX(4px); }

@media (max-width: 1024px) {
  .loans-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .loans-grid { grid-template-columns: 1fr; }
  .loan-card { padding: 28px 24px; min-height: auto; }
}

/* ==========================================================================
   PROCESS
   ========================================================================== */
.process { background: var(--beige-muted); }
.process-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 80px;
  align-items: start;
}
.process-list {
  display: flex;
  flex-direction: column;
  gap: 0;
}
.process-step {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 24px;
  padding: 32px 0;
  border-bottom: 1px solid rgba(122, 112, 102, 0.18);
  position: relative;
}
.process-step:last-child { border-bottom: none; }
.process-num {
  font-family: var(--font-display);
  font-size: 14px;
  font-weight: 500;
  color: var(--text-secondary);
  letter-spacing: 0.05em;
}
.process-num::before {
  content: '';
  display: inline-block;
  width: 6px; height: 6px;
  background: var(--beige-deep);
  border-radius: 50%;
  margin-right: 12px;
  vertical-align: middle;
  transform: translateY(-2px);
}
.process-step h4 {
  font-size: 22px;
  font-weight: 500;
  margin-bottom: 8px;
  line-height: 1.25;
}
.process-step p {
  font-size: 15px;
  color: var(--charcoal-soft);
  line-height: 1.6;
}

@media (max-width: 1024px) {
  .process-grid { grid-template-columns: 1fr; gap: 40px; }
}
@media (max-width: 600px) {
  .process-step { grid-template-columns: 1fr; gap: 8px; padding: 24px 0; }
}

/* ==========================================================================
   CALCULATOR
   ========================================================================== */
.calculator { background: var(--white); }
.calc-card {
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  display: grid;
  grid-template-columns: 1.2fr 1fr;
}
.calc-form {
  padding: 48px 48px 48px;
  background: var(--white);
}
.calc-form h3 {
  font-size: 24px;
  font-weight: 500;
  margin-bottom: 4px;
}
.calc-form > p {
  font-size: 14px;
  color: var(--text-secondary);
  margin-bottom: 32px;
}
.calc-field {
  margin-bottom: 24px;
}
.calc-field label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 13px;
  font-weight: 500;
  color: var(--charcoal);
  margin-bottom: 10px;
  letter-spacing: 0.02em;
}
.calc-field label .helper {
  font-weight: 400;
  font-size: 12px;
  color: var(--text-secondary);
}
.calc-input-wrap {
  position: relative;
}
.calc-input-wrap .prefix, .calc-input-wrap .suffix {
  position: absolute;
  top: 50%;
  transform: translateY(-50%);
  color: var(--text-secondary);
  font-size: 15px;
  pointer-events: none;
}
.calc-input-wrap .prefix { left: 16px; }
.calc-input-wrap .suffix { right: 16px; }
.calc-input-wrap input {
  width: 100%;
  padding: 14px 16px 14px 32px;
  border: 1px solid var(--border-strong);
  border-radius: var(--radius);
  background: var(--white);
  font-size: 16px;
  font-weight: 500;
  color: var(--charcoal);
  transition: border-color 0.2s, box-shadow 0.2s;
  -moz-appearance: textfield;
}
.calc-input-wrap input.no-prefix { padding-left: 16px; }
.calc-input-wrap input.has-suffix { padding-right: 36px; }
.calc-input-wrap input::-webkit-outer-spin-button,
.calc-input-wrap input::-webkit-inner-spin-button { -webkit-appearance: none; margin: 0; }
.calc-input-wrap input:focus {
  outline: none;
  border-color: var(--charcoal);
  box-shadow: 0 0 0 3px rgba(234, 226, 216, 0.6);
}

.calc-slider {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 4px;
  background: var(--border);
  border-radius: 2px;
  margin-top: 16px;
  outline: none;
}
.calc-slider::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--charcoal);
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: 0 0 0 1px var(--charcoal);
  transition: transform 0.15s;
}
.calc-slider::-webkit-slider-thumb:hover { transform: scale(1.15); }
.calc-slider::-moz-range-thumb {
  width: 18px; height: 18px;
  border-radius: 50%;
  background: var(--charcoal);
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: 0 0 0 1px var(--charcoal);
}

.calc-term-toggle {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  background: var(--beige-muted);
  padding: 4px;
  border-radius: var(--radius);
}
.calc-term-toggle button {
  padding: 11px 8px;
  border-radius: 6px;
  font-size: 14px;
  font-weight: 500;
  color: var(--charcoal-soft);
  background: transparent;
  transition: all 0.2s;
}
.calc-term-toggle button.active {
  background: var(--white);
  color: var(--charcoal);
  box-shadow: 0 1px 2px rgba(47,47,47,0.06);
}

.calc-result {
  background: var(--beige-muted);
  padding: 48px;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  border-left: 1px solid var(--border);
}
.calc-result-eyebrow {
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--text-secondary);
  margin-bottom: 14px;
  font-weight: 500;
}
.calc-result-payment {
  font-family: var(--font-display);
  font-size: 56px;
  font-weight: 500;
  color: var(--charcoal);
  letter-spacing: -0.025em;
  line-height: 1;
  margin-bottom: 6px;
  font-variant-numeric: tabular-nums;
}
.calc-result-payment .cents {
  font-size: 32px;
  color: var(--text-secondary);
}
.calc-result-sub {
  font-size: 14px;
  color: var(--text-secondary);
  margin-bottom: 36px;
}
.calc-result-breakdown {
  display: flex;
  flex-direction: column;
  gap: 14px;
  margin-bottom: 32px;
  padding: 24px 0;
  border-top: 1px solid rgba(122, 112, 102, 0.16);
  border-bottom: 1px solid rgba(122, 112, 102, 0.16);
}
.calc-result-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 14px;
}
.calc-result-row span:first-child {
  color: var(--charcoal-soft);
  display: flex;
  align-items: center;
  gap: 8px;
}
.calc-result-row .swatch {
  width: 10px; height: 10px;
  border-radius: 2px;
}
.calc-result-row span:last-child {
  font-weight: 500;
  color: var(--charcoal);
  font-variant-numeric: tabular-nums;
}
.calc-result .btn { width: 100%; }
.calc-disclaimer {
  font-size: 11px;
  color: var(--text-secondary);
  line-height: 1.5;
  margin-top: 16px;
}

@media (max-width: 900px) {
  .calc-card { grid-template-columns: 1fr; }
  .calc-result { border-left: none; border-top: 1px solid var(--border); }
}
@media (max-width: 600px) {
  .calc-form, .calc-result { padding: 32px 24px; }
  .calc-result-payment { font-size: 44px; }
  .calc-result-payment .cents { font-size: 26px; }
}

/* ==========================================================================
   WHY ERIN HILL
   ========================================================================== */
.why { background: var(--white); }
.why-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 80px;
  align-items: center;
}
.why-portrait {
  position: relative;
  aspect-ratio: 4/5;
  max-width: 480px;
}
.why-portrait-img {
  position: absolute;
  inset: 0;
  background: linear-gradient(160deg, #EAE2D8 0%, #C9BFAE 100%);
  border-radius: var(--radius-lg);
  overflow: hidden;
}
.why-portrait-img svg { width: 100%; height: 100%; }
.why-portrait::before {
  content: '';
  position: absolute;
  inset: 16px -16px -16px 16px;
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-lg);
  z-index: -1;
}

.why-content h2 {
  font-size: clamp(32px, 3.4vw, 44px);
  font-weight: 500;
  margin: 16px 0 24px;
  letter-spacing: -0.02em;
  line-height: 1.12;
}
.why-content > p {
  font-size: 17px;
  line-height: 1.65;
  color: var(--charcoal-soft);
  margin-bottom: 32px;
}
.why-features {
  display: flex;
  flex-direction: column;
  gap: 24px;
  margin-bottom: 40px;
}
.why-feature {
  display: grid;
  grid-template-columns: 36px 1fr;
  gap: 20px;
}
.why-feature-icon {
  width: 36px; height: 36px;
  border-radius: 50%;
  background: var(--beige-muted);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--charcoal);
  flex-shrink: 0;
}
.why-feature-icon svg { width: 16px; height: 16px; }
.why-feature h5 {
  font-family: var(--font-body);
  font-size: 16px;
  font-weight: 600;
  color: var(--charcoal);
  margin-bottom: 4px;
}
.why-feature p {
  font-size: 14px;
  color: var(--charcoal-soft);
  line-height: 1.55;
}

@media (max-width: 1024px) {
  .why-grid { grid-template-columns: 1fr; gap: 56px; }
  .why-portrait { max-width: 380px; margin: 0 auto; }
}


/* ==========================================================================
   RESOURCES / BLOG
   ========================================================================== */
.resources { background: var(--white); }
.resources-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr;
  gap: 24px;
}
.resource-card {
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all 0.3s var(--ease);
  display: flex;
  flex-direction: column;
}
.resource-card:hover {
  border-color: var(--border-strong);
  transform: translateY(-3px);
}
.resource-card-image {
  aspect-ratio: 16/10;
  background: linear-gradient(135deg, var(--beige-light), var(--beige));
  position: relative;
  overflow: hidden;
}
.resource-card-image svg {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}
.resource-card-content {
  padding: 28px 28px 32px;
  flex: 1;
  display: flex;
  flex-direction: column;
}
.resource-card.featured .resource-card-content { padding: 36px; }
.resource-tag {
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-secondary);
  font-weight: 600;
  margin-bottom: 12px;
}
.resource-card h4 {
  font-size: 20px;
  font-weight: 500;
  line-height: 1.3;
  margin-bottom: 12px;
  color: var(--charcoal);
}
.resource-card.featured h4 {
  font-size: 28px;
  line-height: 1.2;
}
.resource-card p {
  font-size: 14px;
  color: var(--charcoal-soft);
  line-height: 1.55;
  margin-bottom: 20px;
  flex: 1;
}
.resource-card-meta {
  display: flex;
  gap: 14px;
  font-size: 12px;
  color: var(--text-secondary);
}
.resource-card-meta span:not(:last-child)::after {
  content: '·';
  margin-left: 14px;
}

@media (max-width: 1024px) {
  .resources-grid { grid-template-columns: 1fr 1fr; }
  .resource-card.featured { grid-column: span 2; }
  .resource-card.featured .resource-card-image { aspect-ratio: 21/9; }
}
@media (max-width: 640px) {
  .resources-grid { grid-template-columns: 1fr; }
  .resource-card.featured { grid-column: span 1; }
}

/* ==========================================================================
   PRE-APPROVAL CTA
   ========================================================================== */
.preapproval {
  padding: 96px 0 0;
  background: var(--white);
}
.preapproval-card {
  background: var(--charcoal);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 80px 64px;
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 56px;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.preapproval-card::before {
  content: '';
  position: absolute;
  top: -120px; right: -80px;
  width: 380px; height: 380px;
  border-radius: 50%;
  background: rgba(234, 226, 216, 0.08);
}
.preapproval-card .eyebrow { color: rgba(255,255,255,0.6); }
.preapproval-card .eyebrow::before { background: var(--beige); }
.preapproval-card h2 {
  color: var(--white);
  font-size: clamp(32px, 3.4vw, 46px);
  margin: 16px 0 20px;
  font-weight: 500;
  letter-spacing: -0.02em;
  line-height: 1.1;
}
.preapproval-card p {
  font-size: 17px;
  line-height: 1.65;
  color: rgba(255,255,255,0.78);
  margin-bottom: 32px;
}
.preapproval-card .btn-primary {
  background: var(--beige);
  color: var(--charcoal);
}
.preapproval-card .btn-primary:hover {
  background: var(--white);
}
.preapproval-card .btn-secondary {
  background: transparent;
  color: var(--white);
  border-color: rgba(255,255,255,0.3);
}
.preapproval-card .btn-secondary:hover {
  background: rgba(255,255,255,0.06);
  border-color: rgba(255,255,255,0.6);
}

.preapproval-checks {
  position: relative;
  z-index: 1;
}
.preapproval-check {
  display: grid;
  grid-template-columns: 28px 1fr;
  gap: 16px;
  padding: 18px 0;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.preapproval-check:last-child { border-bottom: none; }
.preapproval-check-icon {
  width: 22px; height: 22px;
  border-radius: 50%;
  background: var(--beige);
  color: var(--charcoal);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 12px;
  font-weight: 600;
  margin-top: 2px;
}
.preapproval-check h5 {
  font-family: var(--font-body);
  font-size: 15px;
  font-weight: 500;
  color: var(--white);
  margin-bottom: 2px;
}
.preapproval-check p {
  font-size: 13px;
  color: rgba(255,255,255,0.65);
  line-height: 1.5;
  margin: 0;
}

@media (max-width: 1024px) {
  .preapproval-card { grid-template-columns: 1fr; gap: 40px; padding: 56px 40px; }
}
@media (max-width: 600px) {
  .preapproval { padding-top: 64px; }
  .preapproval-card { padding: 40px 28px; }
}

/* ==========================================================================
   FOOTER
   ========================================================================== */
.footer {
  background: var(--white);
  padding: 96px 0 32px;
  border-top: 1px solid var(--border);
  margin-top: 96px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 64px;
}
.footer-brand .logo { margin-bottom: 20px; }
.footer-brand p {
  font-size: 14px;
  color: var(--charcoal-soft);
  line-height: 1.6;
  margin-bottom: 24px;
  max-width: 320px;
}
.footer-contact {
  display: flex;
  flex-direction: column;
  gap: 8px;
  font-size: 14px;
}
.footer-contact a {
  color: var(--charcoal);
  font-weight: 500;
}
.footer-contact a:hover { text-decoration: underline; text-underline-offset: 4px; }
.footer-contact span {
  color: var(--text-secondary);
  font-size: 13px;
}

.footer-col h6 {
  font-family: var(--font-body);
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--charcoal);
  margin-bottom: 20px;
}
.footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
.footer-col a {
  font-size: 14px;
  color: var(--charcoal-soft);
  transition: color 0.2s;
}
.footer-col a:hover { color: var(--charcoal); }

.footer-bottom {
  border-top: 1px solid var(--border);
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.footer-bottom-left {
  display: flex;
  gap: 20px;
  font-size: 12px;
  color: var(--text-secondary);
  flex-wrap: wrap;
}
.footer-bottom-left a { color: var(--text-secondary); }
.footer-bottom-left a:hover { color: var(--charcoal); }
.footer-bottom-right {
  font-size: 12px;
  color: var(--text-secondary);
}

.footer-disclosure {
  font-size: 11px;
  color: var(--text-secondary);
  line-height: 1.6;
  margin-top: 24px;
  padding-top: 24px;
  border-top: 1px solid var(--border);
  max-width: 100%;
}

@media (max-width: 1024px) {
  .footer-grid { grid-template-columns: 1fr 1fr 1fr; gap: 40px; }
  .footer-brand { grid-column: span 3; }
}
@media (max-width: 640px) {
  .footer { padding-top: 64px; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: span 2; }
  .footer-bottom { flex-direction: column; gap: 12px; }
}

/* ==========================================================================
   ANIMATIONS / SCROLL REVEAL
   ========================================================================== */
.fade-up {
  opacity: 0;
  transform: translateY(20px);
  transition: opacity 0.7s var(--ease-out), transform 0.7s var(--ease-out);
}
.fade-up.visible {
  opacity: 1;
  transform: translateY(0);
}
.fade-up:nth-child(2) { transition-delay: 0.08s; }
.fade-up:nth-child(3) { transition-delay: 0.16s; }
.fade-up:nth-child(4) { transition-delay: 0.24s; }
.fade-up:nth-child(5) { transition-delay: 0.32s; }
.fade-up:nth-child(6) { transition-delay: 0.4s; }


/* ==========================================================================
   STAGING FULL DRAFT EXTENSIONS
   ========================================================================== */
.staging-banner{background:var(--beige);color:var(--charcoal);text-align:center;padding:10px 16px;font:600 13px var(--font-body);letter-spacing:.02em}.header{top:0}.nav-link{border:0;background:transparent}.mega-menu{position:absolute;left:0;right:0;top:100%;background:var(--white);border-top:1px solid var(--border);border-bottom:1px solid var(--border);box-shadow:0 18px 42px rgba(47,47,47,.10);opacity:0;visibility:hidden;transform:translateY(-10px);transition:opacity .18s var(--ease),transform .18s var(--ease),visibility .18s;z-index:150}.mega-menu.open{opacity:1;visibility:visible;transform:translateY(0)}.mega-menu-inner{max-width:var(--container);margin:0 auto;padding:34px 32px 38px;display:grid;grid-template-columns:1.15fr repeat(3,1fr);gap:34px}.mega-feature{background:var(--beige-muted);border-radius:var(--radius-lg);padding:24px;min-height:190px}.mega-feature h4{font-size:24px;margin:0 0 8px}.mega-col h5{font-family:var(--font-body);font-size:11px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--text-secondary);margin:0 0 14px}.mega-col ul{list-style:none;display:grid;gap:12px}.mega-col a{display:block;font-size:15px;font-weight:600;color:var(--charcoal);transition:transform .16s}.mega-col a:hover{transform:translateX(3px)}.mega-col small{display:block;margin-top:2px;font-size:12px;font-weight:400;color:var(--text-secondary);line-height:1.35}.mega-backdrop{position:fixed;inset:0;background:rgba(47,47,47,.18);opacity:0;visibility:hidden;transition:.18s;z-index:90;pointer-events:none}.mega-backdrop.open{opacity:1;visibility:visible}.header{z-index:160}.page-hero{padding:76px 0 56px;background:linear-gradient(180deg,var(--white),var(--off-white));border-bottom:1px solid var(--border)}.page-hero h1{font-size:clamp(40px,5vw,64px);margin:18px 0 18px}.page-hero p{font-size:18px;max-width:720px}.breadcrumb{font-size:13px;color:var(--text-secondary);margin-bottom:18px}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:48px;align-items:start}.side-card{position:sticky;top:118px;background:var(--beige-muted);border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px}.section-card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.section-card-grid.two{grid-template-columns:repeat(2,1fr)}.info-card{border:1px solid var(--border);border-radius:var(--radius-lg);background:var(--white);padding:28px}.info-card h3{font-size:24px;margin:0 0 10px}.info-card p,.info-card li{font-size:15px;color:var(--charcoal-soft)}.info-card ul,.article-body ul{padding-left:20px;margin:14px 0}.article-body{max-width:860px}.article-body h2{font-size:34px;margin:36px 0 14px}.article-body h3{font-family:var(--font-body);font-size:20px;font-weight:700;margin:28px 0 8px}.article-body p,.article-body li{color:var(--charcoal-soft)}.route-tabs{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}.route-tabs a{border:1px solid var(--border-strong);border-radius:999px;padding:10px 15px;font-size:14px;font-weight:600}.route-tabs a.active,.route-tabs a:hover{background:var(--charcoal);color:var(--white)}.calculator-shell{display:grid;grid-template-columns:280px 1fr;gap:28px;align-items:start}.calc-nav{background:var(--beige-muted);border:1px solid var(--border);border-radius:var(--radius-lg);padding:14px;position:sticky;top:118px}.calc-nav button{width:100%;text-align:left;border-radius:var(--radius);padding:13px 14px;font-weight:650;color:var(--charcoal);background:transparent}.calc-nav button.active,.calc-nav button:hover{background:var(--white);box-shadow:0 1px 2px rgba(47,47,47,.06)}.calc-panel{display:none}.calc-panel.active{display:block}.calc-layout{display:grid;grid-template-columns:1.1fr .9fr;border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;background:var(--white)}.calc-fields{padding:34px}.calc-output{padding:34px;background:var(--beige-muted);border-left:1px solid var(--border);display:flex;flex-direction:column;justify-content:center}.field-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.field{display:grid;gap:8px;margin-bottom:18px}.field label{font-size:13px;font-weight:650;color:var(--charcoal)}.field input,.field select,.field textarea{width:100%;border:1px solid var(--border-strong);border-radius:var(--radius);padding:13px 14px;background:#fff}.result-big{font-family:var(--font-display);font-size:48px;line-height:1;color:var(--charcoal);margin:8px 0 10px}.result-list{display:grid;gap:10px;margin-top:24px}.result-row{display:flex;justify-content:space-between;border-bottom:1px solid rgba(122,112,102,.18);padding-bottom:10px;color:var(--charcoal-soft)}.result-row strong{color:var(--charcoal)}.draft-note{font-size:12px;line-height:1.5;color:var(--text-secondary);margin-top:18px}.blog-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:24px}.blog-card{border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden;background:#fff}.blog-art{height:150px;background:linear-gradient(135deg,var(--beige-light),var(--beige));display:grid;place-items:center;color:var(--text-secondary);font-size:13px;font-weight:700}.blog-card.featured{grid-row:span 2}.blog-card.featured .blog-art{height:290px}.blog-copy{padding:24px}.tag-row{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px}.tag{font-size:11px;letter-spacing:.08em;text-transform:uppercase;border:1px solid var(--border);border-radius:999px;padding:5px 8px;color:var(--text-secondary)}.contact-form{position:relative}.contact-form:after{content:'Staging form only — not connected yet';position:absolute;right:18px;bottom:18px;background:var(--charcoal);color:#fff;border-radius:999px;padding:8px 11px;font-size:12px;font-weight:700}.full-width{grid-column:1/-1}.footer{margin-top:0}.footer a[href="#"]{cursor:not-allowed}.disclaimer-box{border-left:4px solid var(--beige-deep);background:var(--beige-muted);padding:18px;border-radius:0 var(--radius) var(--radius) 0;font-size:14px;color:var(--charcoal-soft)}
.calc-visual{margin-top:24px;border:1px solid var(--border);border-radius:var(--radius-lg);background:var(--white);padding:18px}.calc-visual h4{font-family:var(--font-body);font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--text-secondary);margin:0 0 12px}.calc-chart{min-height:230px}.calc-chart svg{width:100%;height:auto;display:block}.chart-legend{display:flex;gap:12px;flex-wrap:wrap;margin-top:12px;font-size:12px;color:var(--text-secondary)}.chart-legend span{display:inline-flex;align-items:center;gap:6px}.legend-dot{width:10px;height:10px;border-radius:2px;background:var(--beige-deep)}.legend-dot.dark{background:var(--charcoal)}.legend-dot.soft{background:var(--beige)}.calc-table{width:100%;border-collapse:collapse;margin-top:16px;font-size:13px}.calc-table th,.calc-table td{padding:9px 8px;border-bottom:1px solid var(--border);text-align:right}.calc-table th:first-child,.calc-table td:first-child{text-align:left}.calc-table th{font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--text-secondary);font-weight:700}.calc-copy-block{margin-top:20px;display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.calc-copy-block .mini{background:var(--beige-muted);border-radius:var(--radius);padding:14px}.calc-copy-block strong{display:block;margin-bottom:4px}.calc-copy-block p{font-size:13px;margin:0;color:var(--charcoal-soft)}
.seo-callout{border:1px solid var(--border);border-radius:var(--radius-lg);background:linear-gradient(135deg,var(--beige-muted),#fff);padding:26px;margin:28px 0}.seo-callout h3{font-size:24px;margin:0 0 8px}.seo-link-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:18px}.seo-link-card{display:block;border:1px solid var(--border);border-radius:var(--radius);padding:16px;background:#fff;color:var(--charcoal)}.seo-link-card strong{display:block;margin-bottom:4px}.seo-link-card small{color:var(--text-secondary);line-height:1.35}.faq-list{display:grid;gap:14px;margin:22px 0}.faq-item{border:1px solid var(--border);border-radius:var(--radius);padding:18px;background:#fff}.faq-item h3{font-family:var(--font-body);font-size:17px;margin:0 0 8px}.keyword-chip-row{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0}.keyword-chip{border:1px solid var(--border);background:#fff;border-radius:999px;padding:7px 10px;font-size:12px;color:var(--text-secondary)}.calculator-inline{border:1px solid var(--border);border-radius:var(--radius-lg);padding:24px;background:var(--beige-muted);margin:30px 0}.calculator-inline .route-tabs{margin-top:18px}.internal-map{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:18px}@media(max-width:800px){.seo-link-grid,.internal-map{grid-template-columns:1fr}}
.calc-nav a{display:block;width:100%;text-align:left;border-radius:var(--radius);padding:13px 14px;font-weight:650;color:var(--charcoal);background:transparent}.calc-nav a.active,.calc-nav a:hover{background:var(--white);box-shadow:0 1px 2px rgba(47,47,47,.06)}

/* HEADER REFINEMENT + MOBILE DRAWER FIX */
.utility-bar{background:#2F2F2F;color:#fff;font-size:12px;padding:8px 0}.utility-bar .container{display:flex;justify-content:space-between;align-items:center;gap:24px}.utility-left span{font-weight:500}.utility-right{display:flex;gap:14px;align-items:center}.utility-bar a{color:rgba(255,255,255,.86)}.utility-bar a:hover{color:#fff}.header{background:rgba(255,255,255,.98);backdrop-filter:saturate(140%) blur(10px);border-bottom:0;position:sticky;top:0;z-index:300}.header.scrolled{box-shadow:0 8px 26px rgba(47,47,47,.08)}.header-inner{height:76px;display:flex;align-items:center;justify-content:space-between;gap:22px}.logo{flex:0 0 auto;white-space:nowrap;font-size:21px;align-items:center}.logo-mark{width:9px;height:9px;background:var(--beige-deep);border-radius:50%;margin-right:10px}.logo-sub{display:block;font-family:var(--font-body);font-size:10px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--text-secondary);margin-left:8px}.main-nav{flex:1;display:flex;justify-content:center;align-items:center;gap:2px}.nav-link{height:76px;display:flex;align-items:center;gap:6px;padding:0 12px;border-radius:0;font-size:15.5px;font-weight:650;color:var(--charcoal);white-space:nowrap;letter-spacing:-.01em}.nav-link:hover,.nav-item.active .nav-link{background:var(--beige-muted);color:var(--charcoal)}.nav-link svg{width:10px;height:10px;opacity:.55}.header-cta{flex:0 0 auto;display:flex;align-items:center;gap:10px}.header-cta .btn-primary{background:var(--charcoal);color:#fff;border-color:var(--charcoal);border-radius:999px;padding:12px 20px}.header-cta .btn-secondary{border-radius:999px;padding:11px 18px;background:#fff;border:1px solid var(--border-strong)}.mobile-toggle{display:none;width:44px;height:44px;border:1px solid var(--border);border-radius:999px;background:#fff;align-items:center;justify-content:center;padding:0;cursor:pointer}.mobile-toggle span,.mobile-toggle span::before,.mobile-toggle span::after{content:'';display:block;width:18px;height:2px;background:var(--charcoal);border-radius:2px;position:relative;transition:.2s}.mobile-toggle span::before{position:absolute;top:-6px;left:0}.mobile-toggle span::after{position:absolute;top:6px;left:0}.mobile-toggle.active span{background:transparent}.mobile-toggle.active span::before{transform:translateY(6px) rotate(45deg)}.mobile-toggle.active span::after{transform:translateY(-6px) rotate(-45deg)}.mobile-drawer{position:fixed;top:0;right:-420px;width:min(390px,92vw);height:100vh;background:#fff;z-index:500;box-shadow:-24px 0 60px rgba(47,47,47,.18);padding:22px;display:flex;flex-direction:column;gap:18px;transition:right .24s var(--ease);overflow-y:auto}.mobile-drawer.open{right:0}.mobile-drawer-header{display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid var(--border);padding-bottom:16px}.mobile-drawer nav{display:grid;gap:4px}.mobile-drawer nav a{display:flex;align-items:center;justify-content:space-between;padding:13px 14px;border-radius:var(--radius);font-size:15px;font-weight:650;color:var(--charcoal);background:#fff}.mobile-drawer nav a:hover{background:var(--beige-muted)}.mobile-cta{margin-top:auto;display:grid;gap:10px}.mobile-cta .btn{width:100%;justify-content:center}.mega-menu{top:100%;z-index:290}.mega-menu-inner{padding-top:30px}.mega-feature{display:flex;flex-direction:column;justify-content:space-between;background:linear-gradient(135deg,var(--beige-muted),#fff)}@media(max-width:1220px){.nav-link{padding:0 9px;font-size:14px}.logo-sub{display:none}.header-cta .btn-secondary{display:none}}@media(max-width:1024px){.main-nav{display:none}.mobile-toggle{display:flex}.header-inner{height:72px}.header-cta .btn-secondary{display:none}.header-cta .btn-primary{padding:10px 16px}.mega-menu{display:none}}@media(max-width:640px){.utility-right{display:none}.utility-bar .container{justify-content:center;text-align:center}.header-cta .btn-primary{display:none}.logo{font-size:19px}.mobile-drawer{width:100vw;right:-100vw}}

@media(max-width:1100px){.main-nav{display:none}.mobile-toggle{display:flex}.header-cta .btn-secondary{display:none}.content-grid,.calculator-shell,.calc-layout{grid-template-columns:1fr}.calc-output{border-left:0;border-top:1px solid var(--border)}.side-card,.calc-nav{position:static}.section-card-grid,.section-card-grid.two,.blog-grid{grid-template-columns:1fr 1fr}.mega-menu{display:none}}
@media(max-width:700px){.container,.container-narrow{padding:0 20px}.section-card-grid,.section-card-grid.two,.blog-grid,.field-grid{grid-template-columns:1fr}.blog-card.featured .blog-art{height:170px}.hero-trust{display:none}.utility-left span:nth-child(n+2){display:none}.page-hero{padding:50px 0 36px}.section{padding:64px 0}.result-big{font-size:38px}}

/* SCOPED BLOG / RESOURCE LOOK IMPLEMENTATION */
.resource-hero{position:relative;overflow:hidden;background:radial-gradient(circle at 78% 18%,rgba(212,200,184,.32),transparent 34%),linear-gradient(180deg,#fff,var(--beige-muted))}.resource-hero .container{position:relative}.resource-category-nav{display:flex;flex-wrap:wrap;gap:10px;margin-top:28px}.resource-category-nav a{min-height:44px;display:inline-flex;align-items:center;border:1px solid var(--border-strong);border-radius:999px;background:rgba(255,255,255,.72);padding:10px 15px;font-size:14px;font-weight:700;color:var(--charcoal)}.resource-category-nav a:hover,.resource-category-nav a.active{background:var(--charcoal);border-color:var(--charcoal);color:#fff}.resource-hero-notes{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px;color:var(--text-secondary);font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase}.resource-hero-notes span{border:1px solid var(--border);border-radius:999px;padding:7px 10px;background:rgba(255,255,255,.62)}.resource-hub-section{padding-top:72px;background:var(--white)}.resource-hub-intro{max-width:760px;margin-bottom:28px}.resource-hub-intro h2{font-size:clamp(30px,4vw,46px);margin:12px 0}.resource-hub-grid{display:grid;grid-template-columns:1.2fr repeat(2,minmax(0,1fr));gap:20px}.resource-card{display:flex;min-height:230px;flex-direction:column;justify-content:space-between;border:1px solid var(--border);border-radius:22px;background:#fff;padding:26px;box-shadow:0 16px 38px rgba(47,47,47,.06);transition:transform .22s var(--ease),box-shadow .22s var(--ease),border-color .22s var(--ease)}.resource-card:hover{transform:translateY(-4px);box-shadow:0 24px 52px rgba(47,47,47,.10);border-color:var(--border-strong)}.resource-card.featured{grid-row:span 2;min-height:480px;background:linear-gradient(135deg,var(--charcoal),#4a443d);color:#fff}.resource-card.featured h3,.resource-card.featured p,.resource-card.featured .resource-card-meta,.resource-card.featured .resource-card-cta{color:#fff}.resource-card h3{font-size:clamp(24px,3vw,38px);margin:14px 0 12px}.resource-card p{font-size:15px}.resource-card-meta{align-self:flex-start;border:1px solid var(--border);border-radius:999px;padding:6px 9px;color:var(--text-secondary);font-size:11px;font-weight:800;letter-spacing:.1em;text-transform:uppercase}.resource-card-cta{margin-top:22px;color:var(--charcoal);font-weight:800}.resource-library-section{background:var(--beige-muted)}.resource-library-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}.resource-library-block{border:1px solid var(--border);border-radius:18px;background:#fff;padding:24px}.resource-library-block h3{font-size:24px;margin-bottom:10px}.resource-library-block p{font-size:14px}.resource-library-block div{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}.resource-library-block a{border:1px solid var(--border);border-radius:999px;padding:8px 10px;font-size:12px;font-weight:700;color:var(--charcoal)}.resource-faq-body{max-width:920px}.resource-article-section{background:linear-gradient(180deg,#fff,var(--off-white))}.resource-article-shell{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;align-items:start}.resource-article-main{background:#fff;border:1px solid var(--border);border-radius:24px;padding:clamp(26px,4vw,48px);box-shadow:0 18px 44px rgba(47,47,47,.05)}.resource-article-main h2{scroll-margin-top:120px;border-top:1px solid var(--border);padding-top:30px;margin-top:38px}.resource-article-main h2:first-of-type{border-top:0;padding-top:0}.resource-summary{border:1px solid var(--border);border-radius:18px;background:linear-gradient(135deg,var(--beige-muted),#fff);padding:22px;margin-bottom:30px}.resource-summary span{display:block;color:var(--text-secondary);font-size:12px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:8px}.resource-summary p{margin:0}.resource-article-aside{position:sticky;top:118px;display:grid;gap:18px}.toc-card,.resource-side-card{border:1px solid var(--border);border-radius:18px;background:#fff;padding:22px;box-shadow:0 12px 30px rgba(47,47,47,.05)}.toc-card h3,.resource-side-card h3{font-family:var(--font-body);font-size:13px;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:var(--text-secondary);margin:0 0 12px}.toc-card a,.resource-side-card>a{display:block;border-radius:10px;padding:10px 11px;color:var(--charcoal);font-size:14px;font-weight:700}.toc-card a:hover,.resource-side-card>a:hover{background:var(--beige-muted)}.side-actions{display:grid;gap:10px;margin-top:14px}.side-actions .btn{width:100%}.article-step-title{position:relative;border:1px solid var(--border)!important;border-left:5px solid var(--beige-deep)!important;border-radius:16px;background:var(--beige-muted);padding:22px 22px 22px 72px!important;margin-top:24px!important}.article-step-title span:before{content:counter(step);counter-increment:step;position:absolute;left:20px;top:19px;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:var(--charcoal);color:#fff;font-family:var(--font-body);font-size:13px;font-weight:800}.process-article{counter-reset:step}.glossary-article{display:grid;gap:16px}.glossary-article>p,.glossary-article>ul,.glossary-article>h2{display:block}.definition-card{border:1px solid var(--border);border-radius:16px;background:#fff;padding:20px;margin:0}.definition-card h3{font-size:20px;margin:0 0 8px}.definition-card p{margin:0}.definition-card:hover{border-color:var(--border-strong);box-shadow:0 12px 26px rgba(47,47,47,.05)}@media(max-width:1100px){.resource-hub-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.resource-card.featured{grid-row:auto;min-height:330px}.resource-library-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.resource-article-shell{grid-template-columns:1fr}.resource-article-aside{position:static;order:-1}.toc-card{display:none}}@media(max-width:700px){.resource-hub-grid,.resource-library-grid{grid-template-columns:1fr}.resource-card,.resource-card.featured{min-height:auto}.resource-hero-notes{display:none}.resource-article-main{border-radius:18px;padding:22px}.article-step-title{padding-left:60px!important}.resource-category-nav a{flex:1 1 auto;justify-content:center}}

/* HEADER / HEADING STYLIZATION PASS */
.page-hero h1,.resource-hero h1,.hero h1{position:relative;text-wrap:balance}.page-hero h1::after,.resource-hero h1::after{content:'';display:block;width:86px;height:4px;margin:18px 0 0;border-radius:999px;background:linear-gradient(90deg,var(--beige-deep),rgba(212,200,184,0));}.resource-hero h1::after{margin-left:0}.page-hero .eyebrow,.resource-hero .eyebrow,.hero .eyebrow{display:inline-flex;align-items:center;gap:10px}.page-hero .eyebrow::before,.resource-hero .eyebrow::before,.hero .eyebrow::before{content:'';width:28px;height:1px;background:var(--beige-deep);display:inline-block}.article-body h2,.resource-article-main h2,.seo-callout h2,.resource-hub-intro h2{position:relative;text-wrap:balance;letter-spacing:-.025em}.article-body h2:not(.article-step-title),.resource-article-main h2:not(.article-step-title){padding-left:22px}.article-body h2:not(.article-step-title)::before,.resource-article-main h2:not(.article-step-title)::before{content:'';position:absolute;left:0;top:.18em;width:5px;height:1.2em;border-radius:999px;background:linear-gradient(180deg,var(--beige-deep),var(--beige));box-shadow:0 8px 18px rgba(122,112,102,.16)}.article-body h3,.resource-article-main h3,.info-card h3,.resource-library-block h3{position:relative;text-wrap:balance}.article-body h3::after,.resource-article-main h3::after,.info-card h3::after,.resource-library-block h3::after{content:'';display:block;width:44px;height:2px;margin-top:8px;border-radius:999px;background:var(--beige)}.seo-callout h2,.seo-callout h3{display:inline;background:linear-gradient(180deg,transparent 58%,rgba(212,200,184,.45) 58%);box-decoration-break:clone;-webkit-box-decoration-break:clone}.resource-card h3,.seo-link-card strong{transition:color .18s var(--ease),transform .18s var(--ease)}.resource-card:hover h3,.seo-link-card:hover strong{color:#5c5147}.section-card-grid .info-card{transition:transform .2s var(--ease),box-shadow .2s var(--ease),border-color .2s var(--ease)}.section-card-grid .info-card:hover{transform:translateY(-3px);box-shadow:0 18px 38px rgba(47,47,47,.08);border-color:var(--border-strong)}