/* =====================================================================
   THE MORTGAGE MAMA  ×  HOWARD HANNA MORTGAGE SERVICES  -  DESIGN SYSTEM
   ---------------------------------------------------------------------
   Layer 1 (company): Howard Hanna deep green + gold + white/cream.
                      Values sampled from the supplied logo; not an
                      official corporate brand guide.
   Layer 2 (personal): Mortgage Mama pink, used selectively.
   The Howard Hanna logo is always shown untouched and never recolored.
   Shared by index.html, learn.html, apply.html and 404.html.
   ===================================================================== */
:root{
  color-scheme:light;
  /* Howard Hanna layer */
  --green:#0F3A31;        /* logo green (sampled) */
  --green-2:#17503F;      /* slightly lighter surface */
  --green-3:#0A2923;      /* deepest, for footers */
  --gold:#B7812B;         /* logo gold (sampled): lines, ornaments, large text */
  --gold-text:#8A5F14;    /* darker gold for small text on light backgrounds */
  --gold-light:#DDB86A;   /* gold for text on green */
  /* neutrals */
  --paper:#FFFFFF;
  --cream:#FBF7EF;
  --cream-2:#F3ECDD;
  --ink:#14261F;
  --ink-soft:#4A5C55;
  --line:rgba(15,58,49,.13);
  --line-strong:rgba(15,58,49,.28);
  /* Mortgage Mama layer */
  --pink:#E31C79;
  --pink-deep:#B0125D;
  --pink-soft:#FDE8F1;
  /* on-green text */
  --on-green:#F6F2E8;
  --on-green-soft:#B9CBC4;

  /* legacy names used by the calculator stylesheet */
  --navy:var(--green); --navy-2:var(--green-2);
  --surface:var(--cream); --surface-2:var(--cream-2); --card:var(--paper);
  --on-navy:var(--on-green); --on-navy-soft:var(--on-green-soft);

  --font-display:'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body:'Public Sans', ui-sans-serif, system-ui, sans-serif;
  --font-mono:'IBM Plex Mono', ui-monospace, monospace;
  --font-num:'Public Sans', ui-sans-serif, system-ui, sans-serif;
  --radius:16px;
}

*{ box-sizing:border-box; }
html{ scroll-behavior:smooth; scroll-padding-top:84px; }
body{ margin:0; background:var(--paper); color:var(--ink); font-family:var(--font-body); font-size:16px; line-height:1.6; -webkit-font-smoothing:antialiased; overflow-x:hidden; }
a{ color:inherit; }
img{ max-width:100%; display:block; }
h1,h2,h3,h4{ font-family:var(--font-display); margin:0; line-height:1.12; letter-spacing:-.012em; text-wrap:balance; color:var(--ink); font-weight:700; }
p{ margin:0; }
.wrap{ max-width:1180px; margin:0 auto; padding:0 28px; }
.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; background:var(--green); color:#fff; padding:10px 16px; border-radius:8px; z-index:100; text-decoration:none; font-weight:700; }
.skip:focus{ top:12px; }
:focus-visible{ outline:3px solid var(--pink); outline-offset:3px; }

/* reveal-on-scroll only when JS is available; never on very tall blocks */
.js .reveal{ opacity:0; transform:translateY(14px); transition:opacity .6s ease, transform .6s ease; }
.js .reveal.in{ opacity:1; transform:none; }
@media (prefers-reduced-motion: reduce){ html{ scroll-behavior:auto; } .js .reveal{ opacity:1; transform:none; transition:none; } }

/* ---------- buttons ---------- */
.btn{ font-family:var(--font-body); font-weight:700; font-size:15px; padding:14px 24px; min-height:48px; border-radius:999px; text-decoration:none; display:inline-flex; align-items:center; justify-content:center; gap:8px; border:1.5px solid transparent; transition:transform .15s ease, box-shadow .15s ease, background .15s ease, color .15s ease, border-color .15s ease; cursor:pointer; line-height:1.1; text-align:center; }
.btn:hover{ transform:translateY(-2px); }
.btn-pink{ background:var(--pink); color:#fff; box-shadow:0 12px 26px -12px rgba(227,28,121,.65); }
.btn-pink:hover{ background:var(--pink-deep); }
.btn-green{ background:var(--green); color:#fff; box-shadow:0 12px 26px -14px rgba(15,58,49,.7); }
.btn-green:hover{ background:var(--green-2); }
.btn-outline{ border-color:var(--green); color:var(--green); background:transparent; }
.btn-outline:hover{ background:var(--green); color:#fff; }
.btn-outline-light{ border-color:rgba(255,255,255,.55); color:#fff; background:transparent; }
.btn-outline-light:hover{ background:#fff; color:var(--green); }
.btn-sm{ padding:10px 18px; min-height:42px; font-size:14px; }
.btn-outline-pink{ border-color:var(--pink); color:var(--pink-deep); }
.btn-outline-pink:hover{ background:var(--pink); color:#fff; }
.link-arrow{ font-weight:700; color:var(--green); text-decoration:none; border-bottom:2px solid var(--gold); padding-bottom:1px; }
.link-arrow:hover{ color:var(--pink-deep); border-color:var(--pink); }

/* ---------- header ---------- */
header.site{ position:sticky; top:0; z-index:50; background:rgba(251,247,239,.94); backdrop-filter:saturate(1.4) blur(10px); -webkit-backdrop-filter:saturate(1.4) blur(10px); border-bottom:1px solid var(--line); transition:box-shadow .2s ease; }
header.site.scrolled{ box-shadow:0 10px 26px -18px rgba(15,58,49,.5); }
.site .wrap{ display:flex; align-items:center; justify-content:space-between; gap:20px; padding-top:10px; padding-bottom:10px; }
.brand{ display:flex; align-items:center; gap:14px; text-decoration:none; min-width:0; }
.brand-name{ font-family:var(--font-display); font-weight:700; font-size:21px; line-height:1.05; letter-spacing:-.01em; color:var(--green); }
.brand-name i{ color:var(--pink); font-style:normal; }
.brand-name small{ display:block; margin-top:4px; font-family:var(--font-mono); font-weight:500; font-size:10px; letter-spacing:.1em; color:var(--ink-soft); text-transform:uppercase; }
.brand-x{ width:1px; height:34px; background:var(--line-strong); flex:none; }
.hh-tile{ width:52px; height:52px; border-radius:8px; display:block; flex:none; }
nav.primary{ display:flex; align-items:center; gap:26px; }
nav.primary a{ font-size:14.5px; font-weight:600; text-decoration:none; color:var(--ink-soft); padding:6px 0; border-bottom:2px solid transparent; }
nav.primary a:hover{ color:var(--green); border-color:var(--gold); }
.head-actions{ display:flex; align-items:center; gap:14px; }
.phone-link{ font-family:var(--font-mono); font-size:13.5px; font-weight:600; text-decoration:none; color:var(--green); display:none; }
@media (min-width:1080px){ .phone-link{ display:inline-block; } }
.menu-btn{ display:none; background:none; border:1.5px solid var(--line-strong); border-radius:10px; width:46px; height:46px; cursor:pointer; align-items:center; justify-content:center; color:var(--green); }
.menu-btn svg{ width:22px; height:22px; }
@media (max-width:980px){
  nav.primary{ display:none; position:absolute; left:0; right:0; top:100%; background:var(--cream); flex-direction:column; align-items:stretch; gap:0; padding:8px 28px 20px; border-bottom:1px solid var(--line); box-shadow:0 24px 40px -24px rgba(15,58,49,.5); }
  nav.primary.open{ display:flex; }
  nav.primary a{ padding:16px 0; font-size:17px; border-bottom:1px solid var(--line); }
  .menu-btn{ display:inline-flex; }
  .head-actions .btn{ display:none; }
}
@media (max-width:480px){ .brand-name small{ display:none; } .brand-x{ display:none; } .brand{ gap:10px; } .hh-tile{ width:44px; height:44px; } .brand-name{ font-size:19px; } }

/* ---------- section shell ---------- */
section{ padding:clamp(60px,8vw,100px) 0; }
.bg-cream{ background:var(--cream); }
.bg-cream-2{ background:var(--cream-2); }
.bg-green{ background:var(--green); color:var(--on-green); }
.kicker{ font-family:var(--font-mono); font-size:12px; letter-spacing:.14em; text-transform:uppercase; color:var(--pink-deep); font-weight:600; margin-bottom:14px; display:flex; align-items:center; gap:10px; }
.kicker::before{ content:''; width:26px; height:2px; background:var(--gold); flex:none; }
.bg-green .kicker{ color:var(--gold-light); }
.section-title{ font-size:clamp(30px,4.2vw,46px); max-width:22ch; }
.section-title em, h1 em, .em{ color:var(--pink); font-style:italic; font-weight:600; }
.bg-green .section-title, .bg-green h3, .bg-green h4{ color:#fff; }
.section-sub{ color:var(--ink-soft); font-size:17.5px; max-width:62ch; margin-top:16px; line-height:1.65; }
.bg-green .section-sub{ color:var(--on-green-soft); }
.rule{ height:1px; background:var(--line); border:0; margin:0; }

/* ---------- hero ---------- */
.hero{ position:relative; padding:clamp(40px,6vw,76px) 0 clamp(56px,7vw,92px); background:var(--cream); overflow:hidden; }
.hero::before{ content:''; position:absolute; right:-12%; top:-30%; width:70%; height:140%; background:radial-gradient(closest-side, rgba(183,129,43,.16), transparent 70%); pointer-events:none; }
.hero .grid{ position:relative; display:grid; grid-template-columns:1.08fr .92fr; gap:clamp(28px,5vw,64px); align-items:center; }
.eyebrow{ display:flex; align-items:center; gap:10px; font-family:var(--font-mono); font-size:12.5px; letter-spacing:.16em; text-transform:uppercase; color:var(--pink-deep); font-weight:600; margin-bottom:20px; }
.eyebrow::before{ content:''; width:9px; height:9px; border-radius:50%; background:var(--pink); flex:none; }
.hero h1{ font-size:clamp(40px,6vw,72px); font-weight:700; line-height:1.03; letter-spacing:-.02em; color:var(--green); }
.hero p.sub{ margin-top:22px; font-size:19px; line-height:1.6; color:var(--ink-soft); max-width:46ch; }
.hero .idline{ margin-top:22px; font-family:var(--font-mono); font-size:12.5px; letter-spacing:.06em; color:var(--ink); line-height:1.8; }
.hero .idline b{ font-weight:600; color:var(--green); }
.cta-row{ display:flex; gap:12px; margin-top:30px; flex-wrap:wrap; align-items:center; }
.cta-row .link-arrow{ margin-left:8px; }
.proof-row{ display:flex; flex-wrap:wrap; gap:10px 22px; margin-top:34px; padding-top:22px; border-top:1px solid var(--line); font-size:14px; color:var(--ink-soft); font-weight:600; }
.proof-row span{ display:inline-flex; align-items:center; gap:8px; }
.proof-row span::before{ content:''; width:7px; height:7px; border-radius:50%; background:var(--gold); }

.hero-photo{ position:relative; perspective:1200px; max-width:520px; margin-left:auto; width:100%; }
.hero-photo .frame{ position:relative; border-radius:28px; overflow:hidden; background:linear-gradient(160deg,var(--green-2),var(--green) 62%); aspect-ratio:1/1.08; transform-style:preserve-3d; will-change:transform; transition:transform .5s cubic-bezier(.22,1,.36,1), box-shadow .5s ease; box-shadow:0 30px 60px -30px rgba(15,58,49,.7); }
.hero-photo .frame::before{ content:''; position:absolute; width:78%; aspect-ratio:1/1.1; left:11%; top:6%; border:2px solid var(--gold); border-radius:50%; opacity:.85; }
.hero-photo .frame img{ position:absolute; inset:auto 0 0 0; width:100%; height:96%; object-fit:contain; object-position:50% 100%; transition:transform .5s cubic-bezier(.22,1,.36,1); }
.hero-photo .badge{ position:absolute; left:-14px; bottom:22px; background:var(--paper); border:1px solid var(--line); border-radius:16px; padding:10px 16px 10px 10px; box-shadow:0 20px 40px -20px rgba(15,58,49,.55); display:flex; align-items:center; gap:12px; transform:translateZ(40px); transition:transform .5s cubic-bezier(.22,1,.36,1); max-width:calc(100% - 24px); }
.hero-photo .badge .hh-tile{ width:62px; height:62px; border-radius:10px; }
.hero-photo .badge .lbl{ font-size:12px; line-height:1.35; color:var(--ink-soft); }
.hero-photo .badge .lbl b{ display:block; font-family:var(--font-display); font-size:15px; color:var(--green); line-height:1.15; margin-top:2px; }
.hero-photo .sticker{ position:absolute; right:-10px; top:26px; background:var(--pink); color:#fff; font-family:var(--font-display); font-style:italic; font-weight:600; font-size:15px; padding:9px 16px; border-radius:999px; transform:rotate(4deg) translateZ(30px); box-shadow:0 14px 28px -14px rgba(227,28,121,.8); }
@media (max-width:900px){
  .hero .grid{ grid-template-columns:1fr; }
  .hero-photo{ max-width:440px; margin:8px auto 0; }
  .hero-photo .badge{ left:6px; }
  .hero-photo .sticker{ right:6px; }
}

/* ---------- trust band ---------- */
.trust{ background:var(--green); color:var(--on-green); padding:44px 0; }
.trust-grid{ display:grid; grid-template-columns:repeat(4,1fr); gap:24px; }
.trust-item{ border-left:2px solid var(--gold); padding-left:18px; }
.trust-item .n{ font-family:var(--font-display); font-weight:700; font-size:clamp(26px,3vw,36px); color:#fff; line-height:1.1; }
.trust-item .l{ font-size:13.5px; color:var(--on-green-soft); margin-top:6px; line-height:1.45; }
@media (max-width:800px){ .trust-grid{ grid-template-columns:1fr 1fr; row-gap:28px; } }

/* ---------- about ---------- */
.about-head{ display:grid; grid-template-columns:.9fr 1.1fr; gap:clamp(28px,5vw,72px); align-items:start; }
.about h2.hi{ font-size:clamp(40px,6vw,76px); line-height:1; color:var(--green); max-width:none; letter-spacing:-.025em; }
.about h2.hi em{ display:block; }
.about .lede p{ font-size:18px; color:var(--ink-soft); line-height:1.75; margin-bottom:16px; }
.about .lede p:first-child{ font-size:21px; color:var(--ink); line-height:1.6; font-family:var(--font-display); font-weight:500; }
.pull{ font-family:var(--font-display); font-style:italic; font-weight:500; font-size:clamp(22px,2.6vw,30px); line-height:1.35; color:var(--green); border-left:4px solid var(--pink); padding:4px 0 4px 22px; margin:30px 0 0; }
.story-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:20px; margin-top:56px; }
.story{ background:var(--paper); border:1px solid var(--line); border-top:4px solid var(--gold); border-radius:var(--radius); padding:28px 26px; }
.story .num{ font-family:var(--font-mono); font-size:12px; letter-spacing:.14em; color:var(--pink-deep); font-weight:600; }
.story h3{ font-size:24px; margin:10px 0 12px; color:var(--green); }
.story p{ font-size:15.5px; color:var(--ink-soft); line-height:1.7; }
@media (max-width:900px){ .about-head{ grid-template-columns:1fr; } .story-grid{ grid-template-columns:1fr; } }

.eeg{ margin-top:56px; background:var(--green); border-radius:28px; padding:clamp(32px,5vw,60px); position:relative; overflow:hidden; color:var(--on-green); }
.eeg::after{ content:''; position:absolute; right:-150px; top:-170px; width:300px; height:300px; border:2px solid rgba(183,129,43,.5); border-radius:50%; }
.eeg-words{ display:grid; grid-template-columns:repeat(3,1fr); gap:28px; position:relative; z-index:1; }
.eeg-word{ border-top:2px solid var(--gold); padding-top:18px; }
.eeg-word .w{ font-family:var(--font-display); font-weight:700; font-size:clamp(32px,4.4vw,54px); color:#fff; line-height:1; letter-spacing:-.02em; }
.eeg-word .w span{ color:var(--pink); }
.eeg-word p{ margin-top:14px; color:var(--on-green-soft); font-size:15.5px; line-height:1.65; max-width:34ch; }
@media (max-width:800px){ .eeg-words{ grid-template-columns:1fr; } }

.bio-full{ margin-top:34px; border:1px solid var(--line); border-radius:var(--radius); background:var(--paper); }
.bio-full summary{ cursor:pointer; list-style:none; padding:20px 26px; font-family:var(--font-display); font-weight:700; font-size:20px; color:var(--green); display:flex; justify-content:space-between; align-items:center; gap:16px; }
.bio-full summary::-webkit-details-marker{ display:none; }
.bio-full summary::after{ content:'+'; font:500 28px var(--font-mono); color:var(--pink); line-height:1; }
.bio-full[open] summary::after{ content:'\2212'; }
.bio-body{ padding:4px 26px 30px; columns:2; column-gap:44px; }
.bio-body p{ font-size:16px; color:var(--ink-soft); line-height:1.75; margin:0 0 16px; break-inside:avoid-column; }
.bio-body p.big{ font-family:var(--font-display); font-size:20px; color:var(--green); font-weight:600; }
.bio-body p.sign{ font-family:var(--font-display); font-style:italic; color:var(--ink); }
@media (max-width:800px){ .bio-body{ columns:1; padding:4px 20px 26px; } .bio-full summary{ padding:18px 20px; } }

.cred-row{ display:flex; flex-wrap:wrap; gap:10px; margin-top:30px; }
.cred{ background:var(--paper); border:1px solid var(--line); border-radius:999px; padding:10px 18px; font-size:14px; font-weight:600; color:var(--green); display:inline-flex; align-items:center; gap:9px; }
.cred::before{ content:''; width:8px; height:8px; border-radius:50%; background:var(--pink); }

/* ---------- show my work band ---------- */
.smw{ background:var(--cream-2); }
.smw-grid{ display:grid; grid-template-columns:1fr 1fr; gap:clamp(28px,5vw,72px); align-items:center; }
.smw h2{ font-size:clamp(34px,5vw,60px); color:var(--green); line-height:1.02; max-width:14ch; }
.smw .sub{ margin-top:18px; font-size:19px; color:var(--ink-soft); max-width:36ch; }
.smw-list{ list-style:none; margin:0; padding:0; display:grid; gap:12px; }
.smw-list a{ display:flex; align-items:center; justify-content:space-between; gap:16px; padding:20px 22px; background:var(--paper); border:1px solid var(--line); border-radius:14px; text-decoration:none; transition:transform .15s ease, border-color .15s ease, box-shadow .15s ease; }
.smw-list a:hover{ transform:translateX(4px); border-color:var(--pink); box-shadow:0 14px 30px -20px rgba(15,58,49,.5); }
.smw-list .tag{ font-family:var(--font-mono); font-size:11.5px; letter-spacing:.14em; font-weight:600; color:var(--pink-deep); display:block; }
.smw-list .t{ font-family:var(--font-display); font-weight:600; font-size:19px; color:var(--green); display:block; margin-top:4px; line-height:1.25; }
.smw-list .arr{ font-size:22px; color:var(--pink); flex:none; }
@media (max-width:860px){ .smw-grid{ grid-template-columns:1fr; } }

/* ---------- loan options ---------- */
.needs{ display:grid; grid-template-columns:repeat(4,1fr); gap:16px; margin-top:44px; }
.need{ background:var(--paper); border:1px solid var(--line); border-radius:var(--radius); padding:22px 20px 20px; display:flex; flex-direction:column; transition:transform .18s ease, box-shadow .18s ease, border-color .18s ease; }
.need:hover{ transform:translateY(-4px); border-color:var(--gold); box-shadow:0 24px 40px -26px rgba(15,58,49,.5); }
.need .ico{ width:40px; height:40px; border-radius:50%; background:var(--green); color:var(--gold-light); display:flex; align-items:center; justify-content:center; margin-bottom:16px; }
.need .ico svg{ width:20px; height:20px; }
.need h3{ font-size:19px; color:var(--green); text-transform:none; line-height:1.2; }
.need p{ font-size:14.5px; color:var(--ink-soft); line-height:1.6; margin-top:10px; flex:1; }
.need .opts{ display:flex; flex-wrap:wrap; gap:6px; margin-top:16px; }
.opt{ font-family:var(--font-mono); font-size:11px; font-weight:600; letter-spacing:.04em; color:var(--green); background:var(--cream-2); border-radius:6px; padding:4px 8px; }
@media (max-width:1000px){ .needs{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:560px){ .needs{ grid-template-columns:1fr; } }

.prog-block{ margin-top:56px; }
.prog-block h3{ font-size:26px; color:var(--green); }
.prog-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:0; margin-top:22px; border-top:1px solid var(--line); }
.prog{ padding:20px 22px 20px 0; border-bottom:1px solid var(--line); }
.prog h4{ font-family:var(--font-display); font-size:18px; color:var(--green); display:flex; align-items:center; gap:10px; }
.prog h4 .code{ font-family:var(--font-mono); font-size:10.5px; font-weight:600; background:var(--green); color:var(--gold-light); padding:3px 7px; border-radius:5px; letter-spacing:.06em; }
.prog p{ font-size:14.5px; color:var(--ink-soft); margin-top:8px; line-height:1.6; }
@media (max-width:900px){ .prog-grid{ grid-template-columns:1fr 1fr; } }
@media (max-width:560px){ .prog-grid{ grid-template-columns:1fr; } .prog{ padding-right:0; } }
.fineprint{ font-size:13px; color:var(--ink-soft); line-height:1.65; margin-top:22px; max-width:90ch; }

/* ---------- why real estate ---------- */
.why-grid{ display:grid; grid-template-columns:1fr 1fr; gap:clamp(28px,5vw,72px); align-items:start; }
.why-list{ list-style:none; margin:0; padding:0; display:grid; grid-template-columns:1fr 1fr; gap:14px; }
.why-list li{ background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.14); border-radius:14px; padding:16px 18px; font-family:var(--font-display); font-weight:600; font-size:18px; color:#fff; display:flex; gap:12px; align-items:center; }
.why-list li::before{ content:''; width:10px; height:10px; background:var(--gold); border-radius:50%; flex:none; }
@media (max-width:860px){ .why-grid{ grid-template-columns:1fr; } .why-list{ grid-template-columns:1fr; } }

/* ---------- learn teaser ---------- */
.topics{ display:grid; grid-template-columns:repeat(4,1fr); gap:14px; margin-top:40px; }
.topic{ display:block; background:var(--paper); border:1px solid var(--line); border-radius:14px; padding:18px 18px 16px; text-decoration:none; transition:transform .15s ease, border-color .15s ease; }
.topic:hover{ transform:translateY(-3px); border-color:var(--pink); }
.topic b{ font-family:var(--font-display); font-size:17px; color:var(--green); display:block; line-height:1.2; }
.topic span{ display:block; font-size:13.5px; color:var(--ink-soft); margin-top:6px; line-height:1.5; }
@media (max-width:1000px){ .topics{ grid-template-columns:repeat(2,1fr); } }
@media (max-width:520px){ .topics{ grid-template-columns:1fr; } }

/* ---------- reviews / video (hidden until approved) ---------- */
.t-grid{ display:grid; grid-template-columns:repeat(3,1fr); gap:20px; margin-top:36px; }
.t-card{ background:var(--paper); border:1px solid var(--line); border-radius:var(--radius); padding:26px 24px; }
.t-card q{ font-family:var(--font-display); font-weight:500; font-size:18px; line-height:1.5; display:block; margin:0 0 16px; color:var(--ink); quotes:"“" "”"; }
.t-card .by{ font-family:var(--font-mono); font-size:12px; color:var(--ink-soft); }
@media (max-width:900px){ .t-grid{ grid-template-columns:1fr; } }
.video-frame{ position:relative; max-width:360px; margin:36px auto 0; border-radius:24px; overflow:hidden; aspect-ratio:9/16; background:var(--green); box-shadow:0 30px 60px -30px rgba(15,58,49,.6); }
.video-frame video{ width:100%; height:100%; object-fit:cover; display:block; }

/* ---------- contact / cta ---------- */
.cta-section{ background:var(--green); color:var(--on-green); position:relative; overflow:hidden; }
.cta-section::after{ content:''; position:absolute; left:-120px; bottom:-160px; width:420px; height:420px; border:2px solid rgba(183,129,43,.45); border-radius:50%; pointer-events:none; }
.cta-grid{ position:relative; z-index:1; display:grid; grid-template-columns:1.1fr .9fr; gap:clamp(28px,5vw,64px); margin-top:40px; align-items:start; }
.contact-list{ list-style:none; margin:0; padding:0; display:grid; gap:20px; }
.contact-list li{ display:flex; gap:14px; align-items:flex-start; font-size:17px; }
.contact-list svg{ flex:none; margin-top:3px; }
.contact-list a{ text-decoration:none; color:#fff; font-weight:600; border-bottom:1px solid rgba(255,255,255,.35); }
.contact-list a:hover{ border-color:var(--pink); }
.contact-list .lbl{ font-family:var(--font-mono); font-size:11px; text-transform:uppercase; letter-spacing:.12em; color:var(--gold-light); display:block; margin-bottom:3px; }
.cta-panel{ background:rgba(255,255,255,.07); border:1px solid rgba(255,255,255,.2); border-radius:22px; padding:30px; }
.cta-panel h3{ font-size:24px; color:#fff; margin-bottom:10px; }
.cta-panel p{ color:var(--on-green-soft); font-size:15.5px; line-height:1.65; margin:0 0 22px; }
.cta-panel .btn{ width:100%; }
.cta-panel .btn + .btn{ margin-top:12px; }
.cta-panel .alt-line{ margin:18px 0 0; font-size:14px; color:var(--on-green-soft); text-align:center; }
.cta-panel .alt-line a{ color:#fff; font-weight:700; }
@media (max-width:860px){ .cta-grid{ grid-template-columns:1fr; } }

/* ---------- footer ---------- */
footer.site-foot{ background:var(--green-3); color:var(--on-green-soft); padding:56px 0 40px; }
.foot-top{ display:grid; grid-template-columns:auto 1fr auto; gap:32px; align-items:center; padding-bottom:32px; border-bottom:1px solid rgba(255,255,255,.14); }
.foot-top .hh-tile{ width:110px; height:110px; border-radius:12px; }
.foot-id .nm{ font-family:var(--font-display); font-size:26px; font-weight:700; color:#fff; line-height:1.1; }
.foot-id .nm i{ color:var(--pink); font-style:normal; }
.foot-id p{ font-size:14px; line-height:1.7; margin-top:8px; color:var(--on-green-soft); }
.foot-id a{ color:#fff; }
.foot-links{ display:flex; flex-direction:column; gap:8px; font-size:14px; }
.foot-links a{ color:var(--on-green-soft); text-decoration:none; }
.foot-links a:hover{ color:#fff; text-decoration:underline; }
.foot-offices{ display:grid; grid-template-columns:1fr 1fr; gap:24px; padding:28px 0; font-size:13.5px; line-height:1.7; }
.foot-offices b{ color:#fff; display:block; font-weight:600; }
.foot-offices a{ color:var(--on-green-soft); }
.foot-legal{ font-size:12.5px; line-height:1.75; color:var(--on-green-soft); border-top:1px solid rgba(255,255,255,.14); padding-top:24px; }
.foot-legal p + p{ margin-top:12px; }
.foot-legal .fair{ color:#fff; font-weight:600; }
.foot-copy{ margin-top:22px; font-family:var(--font-mono); font-size:11px; letter-spacing:.05em; color:rgba(185,203,196,.75); }
@media (max-width:760px){ .foot-top{ grid-template-columns:1fr; justify-items:start; } .foot-offices{ grid-template-columns:1fr; } }

/* ---------- forms (contact page) ---------- */
.form{ display:grid; gap:18px; }
.field label, .field .lab{ display:block; font-weight:600; font-size:14px; margin-bottom:8px; color:var(--green); }
.field .opt-tag{ font-weight:500; color:var(--ink-soft); font-size:12px; margin-left:4px; }
.field input[type=text], .field input[type=email], .field input[type=tel], .field select, .field textarea{ width:100%; border:1.5px solid var(--line-strong); background:var(--paper); border-radius:12px; padding:14px 14px; font:500 16px var(--font-body); color:var(--ink); min-height:50px; }
.field textarea{ min-height:120px; resize:vertical; }
.field input:focus, .field select:focus, .field textarea:focus{ outline:0; border-color:var(--pink); box-shadow:0 0 0 4px rgba(227,28,121,.14); }
.field .hint{ font-size:13px; color:var(--ink-soft); margin-top:6px; line-height:1.5; }
.hp{ position:absolute; left:-9999px; width:1px; height:1px; overflow:hidden; }
.form-status{ padding:14px 16px; border-radius:12px; font-size:15px; line-height:1.5; }
.form-status.ok{ background:#E6F3EC; color:#0F3A31; border:1px solid #B5D8C4; }
.form-status.err{ background:var(--pink-soft); color:#7A0B3F; border:1px solid #F6B7D2; }
.form-status[hidden]{ display:none; }
.notice-box{ background:var(--cream-2); border-left:4px solid var(--gold); border-radius:0 12px 12px 0; padding:16px 18px; font-size:14.5px; color:var(--ink-soft); line-height:1.6; }
.notice-box b{ color:var(--green); }

/* ---------- learn page ---------- */
.learn-hero{ background:var(--green); color:var(--on-green); padding:clamp(48px,7vw,88px) 0; position:relative; overflow:hidden; }
.learn-hero::after{ content:''; position:absolute; right:-100px; top:-120px; width:380px; height:380px; border:2px solid rgba(183,129,43,.45); border-radius:50%; }
.learn-hero h1{ color:#fff; font-size:clamp(36px,5.4vw,64px); max-width:18ch; letter-spacing:-.02em; }
.learn-hero h1 em{ color:#FF7EB6; }
.learn-hero p{ margin-top:18px; font-size:18px; color:var(--on-green-soft); max-width:56ch; position:relative; z-index:1; }
.learn-layout{ display:grid; grid-template-columns:260px 1fr; gap:clamp(28px,5vw,64px); align-items:start; }
.toc{ position:sticky; top:96px; align-self:start; }
.toc h2{ font-family:var(--font-mono); font-size:11.5px; letter-spacing:.16em; text-transform:uppercase; color:var(--pink-deep); font-weight:600; margin-bottom:14px; }
.toc ol{ list-style:none; margin:0; padding:0; display:grid; gap:2px; border-left:2px solid var(--line); }
.toc a{ display:block; padding:8px 14px; font-size:14.5px; font-weight:600; color:var(--ink-soft); text-decoration:none; margin-left:-2px; border-left:2px solid transparent; }
.toc a:hover{ color:var(--green); border-color:var(--gold); }
@media (max-width:900px){ .learn-layout{ grid-template-columns:1fr; } .toc{ position:static; } .toc ol{ grid-template-columns:1fr 1fr; border-left:0; gap:6px; } .toc a{ border:1px solid var(--line); border-radius:10px; margin:0; background:var(--paper); } }
.article{ padding:44px 0; border-top:1px solid var(--line); scroll-margin-top:90px; }
.article:first-child{ border-top:0; padding-top:0; }
.article .tagline{ font-family:var(--font-mono); font-size:11.5px; letter-spacing:.16em; text-transform:uppercase; color:var(--pink-deep); font-weight:600; margin-bottom:10px; }
.article h2{ font-size:clamp(28px,3.4vw,40px); color:var(--green); max-width:24ch; }
.article h3{ font-size:20px; color:var(--green); margin:28px 0 8px; }
.article p{ font-size:17px; color:var(--ink-soft); line-height:1.75; margin-top:14px; max-width:68ch; }
.article ul, .article ol.num{ margin:14px 0 0; padding-left:22px; max-width:68ch; color:var(--ink-soft); font-size:16.5px; line-height:1.7; }
.article li + li{ margin-top:6px; }
.article b, .article strong{ color:var(--ink); }
.smw-box{ margin-top:24px; border:1.5px solid var(--gold); background:var(--cream); border-radius:16px; padding:20px 22px; max-width:68ch; }
.smw-box .tag{ font-family:var(--font-mono); font-size:11.5px; font-weight:600; letter-spacing:.16em; color:var(--pink-deep); }
.smw-box p{ margin-top:8px; font-size:16px; }
.smw-box .eq{ font-family:var(--font-mono); font-size:15px; color:var(--green); background:var(--paper); border:1px solid var(--line); border-radius:10px; padding:12px 14px; margin-top:12px; line-height:1.9; }
.smw-box a{ font-weight:700; color:var(--green); }
.faq-learn details{ border-top:1px solid var(--line); }
.faq-learn details:last-child{ border-bottom:1px solid var(--line); }
.faq-learn summary{ cursor:pointer; list-style:none; padding:16px 36px 16px 0; font-weight:700; color:var(--green); position:relative; font-size:16.5px; }
.faq-learn summary::-webkit-details-marker{ display:none; }
.faq-learn summary::after{ content:'+'; position:absolute; right:4px; top:50%; transform:translateY(-50%); font:500 24px var(--font-mono); color:var(--pink); }
.faq-learn details[open] summary::after{ content:'\2212'; }
.faq-learn details p{ margin:0 0 16px; font-size:16px; }
.market-slot{ background:var(--cream-2); border-radius:var(--radius); padding:24px; margin-top:22px; max-width:68ch; }
.market-slot p{ margin:0; font-size:15.5px; }

@media print{ header.site, .menu-btn, .toc, .mc-mbar{ display:none !important; } }

/* on-green overrides for sections that use the green background without .bg-green */
.cta-section .kicker, .learn-hero .kicker{ color:var(--gold-light); }
.cta-section .section-title, .cta-section h3, .learn-hero h1{ color:#fff; }
.cta-section .section-sub{ color:var(--on-green-soft); }
.cta-section .section-title em{ color:#FF7EB6; }
@media (max-width:900px){ .hero::before{ display:none; } }

.nav-cta{ display:none; }
@media (max-width:980px){
  nav.primary a.nav-cta{ display:flex; justify-content:center; margin-top:18px; background:var(--pink); color:#fff; border:0; border-radius:999px; padding:15px 24px; font-size:16px; font-weight:700; }
}