/* =========================================================
   Shana Williams | Mortgage — Design System
   ========================================================= */

:root {
  /* Colors */
  --navy: #16233F;
  --rose: #B08699;
  --ivory: #F7F3EE;
  --charcoal: #2C2C2C;
  --white: #ffffff;

  /* Fonts */
  --font-display: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --font-body: "Montserrat", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;

  /* Layout */
  --max-width: 1200px;
  --pad-x: 20px;
  --header-h: 76px;
}

/* -------------------- Reset -------------------- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  -webkit-text-size-adjust: 100%;
  scroll-behavior: smooth;
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.65;
  color: var(--charcoal);
  background-color: var(--ivory);
  overflow-x: hidden;
}

img {
  max-width: 100%;
  display: block;
}

a {
  color: inherit;
  text-decoration: none;
}

ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

/* -------------------- Typography -------------------- */
h1,
h2,
h3,
h4 {
  font-family: var(--font-display);
  font-weight: 600;
  line-height: 1.12;
  color: var(--navy);
  margin: 0 0 0.4em;
  letter-spacing: 0.005em;
}

h1 {
  font-size: clamp(2.4rem, 6vw, 4.25rem);
}

h2 {
  font-size: clamp(1.9rem, 4vw, 3rem);
}

h3 {
  font-size: clamp(1.4rem, 2.6vw, 2rem);
}

p {
  margin: 0 0 1.1em;
}

/* Signature style: italic Cormorant accent word in dusty rose */
.accent {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 500;
  color: var(--rose);
}

/* -------------------- Layout helpers -------------------- */
.container {
  width: 100%;
  max-width: var(--max-width);
  margin: 0 auto;
  padding-left: var(--pad-x);
  padding-right: var(--pad-x);
}

.eyebrow {
  font-family: var(--font-body);
  text-transform: uppercase;
  letter-spacing: 0.22em;
  font-size: 0.72rem;
  font-weight: 600;
  color: var(--rose);
  margin-bottom: 1rem;
}

/* -------------------- Buttons -------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 1.6rem;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  border-radius: 2px;
  cursor: pointer;
  transition: background-color 0.25s ease, color 0.25s ease, border-color 0.25s ease;
}

.btn-primary {
  background-color: var(--rose);
  color: var(--white);
  border: 1px solid var(--rose);
}

.btn-primary:hover {
  background-color: var(--navy);
  border-color: var(--navy);
}

.btn-outline {
  background-color: transparent;
  color: var(--navy);
  border: 1px solid var(--navy);
}

.btn-outline:hover {
  background-color: var(--navy);
  color: var(--white);
}

/* =========================================================
   Header
   ========================================================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background-color: var(--navy);
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: var(--header-h);
  gap: 1rem;
}

.brand {
  display: inline-flex;
  align-items: center;
  flex-shrink: 0;
}

.brand img {
  height: 56px;
  width: auto;
  aspect-ratio: 900 / 315;
  object-fit: contain;
}

.nav-links {
  display: flex;
  align-items: center;
  gap: 2rem;
}

.nav-links a {
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.85);
  padding: 0.5rem 0;
  position: relative;
  transition: color 0.2s ease;
}

.nav-links a::after {
  content: "";
  position: absolute;
  left: 0;
  bottom: 0;
  width: 0;
  height: 1.5px;
  background-color: var(--rose);
  transition: width 0.25s ease;
}

.nav-links a:hover,
.nav-links a.active {
  color: var(--white);
}

.nav-links a:hover::after,
.nav-links a.active::after {
  width: 100%;
}

.header-actions {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  flex-shrink: 0;
}

/* Hamburger */
.nav-toggle {
  display: none;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 44px;
  height: 44px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 10px;
}

.nav-toggle span {
  display: block;
  height: 2px;
  width: 100%;
  background-color: var(--white);
  border-radius: 2px;
  transition: transform 0.3s ease, opacity 0.3s ease;
}

.nav-toggle.open span:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}

.nav-toggle.open span:nth-child(2) {
  opacity: 0;
}

.nav-toggle.open span:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* =========================================================
   Main / placeholder
   ========================================================= */
main {
  min-height: 40vh;
}

.page-placeholder {
  padding: 5rem 0;
  text-align: center;
}

.page-placeholder p {
  max-width: 540px;
  margin-left: auto;
  margin-right: auto;
  color: #6b6b6b;
}

/* -------------------- Shared section helpers -------------------- */
.section {
  padding: 4rem 0;
}

.center {
  text-align: center;
}

.eyebrow.center {
  text-align: center;
}

.section-title {
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 2.75rem;
}

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--navy);
  padding: 0.75rem 0;
  transition: color 0.2s ease, gap 0.2s ease;
}

.link-arrow::after {
  content: "\2192";
  font-size: 1rem;
  transition: transform 0.2s ease;
}

.link-arrow:hover {
  color: var(--rose);
}

.link-arrow:hover::after {
  transform: translateX(4px);
}

/* =========================================================
   Hero
   ========================================================= */
.hero {
  padding: 3.5rem 0 4rem;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  align-items: center;
}

.hero-copy h1 {
  margin-bottom: 1.25rem;
}

.hero-sub {
  font-size: 1.1rem;
  max-width: 34rem;
  color: #52525b;
  margin-bottom: 2rem;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
}

.hero-media img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: 3px;
  /* Feathered edge: dissolve into the cream page. Stacked (mobile) fades the
     bottom toward the text; side fade is applied at >=1024px below. */
  -webkit-mask-image: linear-gradient(to top, transparent 0%, #000 24%, #000 100%);
  mask-image: linear-gradient(to top, transparent 0%, #000 24%, #000 100%);
  -webkit-mask-repeat: no-repeat;
  mask-repeat: no-repeat;
}

/* Text-only centered hero (About page) */
.hero-center {
  padding: 4.5rem 0;
  text-align: center;
}

.hero-center-copy {
  max-width: 600px;
  margin: 0 auto;
}

.hero-center-copy h1 {
  margin-bottom: 1.25rem;
}

.hero-center-copy .hero-sub {
  margin: 0 auto;
  color: #52525b;
}

/* =========================================================
   Why cards / testimonials — shared grid
   ========================================================= */
.why {
  background-color: var(--white);
}

.card-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.5rem;
}

.feature-card {
  background-color: var(--ivory);
  border: 1px solid rgba(22, 35, 63, 0.08);
  border-radius: 4px;
  padding: 2.25rem 1.75rem;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.feature-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 40px -24px rgba(22, 35, 63, 0.4);
}

.feature-icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 52px;
  height: 52px;
  border-radius: 50%;
  background-color: rgba(176, 134, 153, 0.14);
  margin-bottom: 1.25rem;
}

.feature-icon svg {
  width: 24px;
  height: 24px;
  fill: none;
  stroke: var(--rose);
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.feature-card h3 {
  margin-bottom: 0.5rem;
}

.feature-card p {
  margin: 0;
  color: #52525b;
}

/* About "How I Work" — equal-height cards (align bottoms to tallest) */
.card-grid--4 .feature-card {
  height: 100%;
}

/* =========================================================
   About intro
   ========================================================= */
.about-intro {
  background-color: var(--ivory);
}

.about-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  align-items: center;
}

.about-media img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: 3px;
  box-shadow: 0 30px 60px -25px rgba(22, 35, 63, 0.45);
}

/* About "My Story" portrait ONLY: feathered edge that dissolves into the cream
   page. Stacked (mobile) fades the bottom toward the text; side fade at >=1024px
   below. Scoped so the Home "More Than a Mortgage Broker" photo (also .about-media)
   is unaffected. */
.about-story-media img {
  box-shadow: none;
  -webkit-mask-image: linear-gradient(to top, transparent 0%, #000 24%, #000 100%);
  mask-image: linear-gradient(to top, transparent 0%, #000 24%, #000 100%);
  -webkit-mask-repeat: no-repeat;
  mask-repeat: no-repeat;
}

.about-copy p {
  color: #52525b;
  max-width: 34rem;
}

/* =========================================================
   Testimonials
   ========================================================= */
.testimonials {
  background-color: var(--white);
}

.quote-card {
  margin: 0;
  background-color: var(--ivory);
  border: 1px solid rgba(22, 35, 63, 0.08);
  border-left: 3px solid var(--rose);
  border-radius: 4px;
  padding: 2rem 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 1.25rem;
}

.quote-card blockquote {
  margin: 0;
  font-family: var(--font-display);
  font-size: 1.3rem;
  font-style: italic;
  line-height: 1.45;
  color: var(--navy);
}

.quote-card figcaption {
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--rose);
}

.testimonials .link-arrow {
  margin-top: 2rem;
}

/* =========================================================
   CTA band
   ========================================================= */
.cta-band {
  background-color: var(--navy);
  color: var(--white);
  text-align: center;
  padding: 4.5rem 0;
}

.cta-band h2 {
  color: var(--white);
  max-width: 780px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 0.5rem;
}

.cta-band p {
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 2rem;
}

/* =========================================================
   Resources — intro / FAQ / blog
   ========================================================= */
.container.narrow {
  max-width: 860px;
}

.resources-intro {
  background-color: var(--ivory);
  padding-top: 4.5rem;
}

.resources-intro .lead {
  font-size: 1.15rem;
  color: #52525b;
  max-width: 44rem;
  margin: 1rem auto 0;
}

/* -------------------- FAQ accordion -------------------- */
.faq {
  background-color: var(--white);
}

.accordion {
  border-top: 1px solid rgba(22, 35, 63, 0.12);
}

.faq-item {
  border-bottom: 1px solid rgba(22, 35, 63, 0.12);
}

.faq-question {
  margin: 0;
  font-family: var(--font-body);
}

.faq-trigger {
  width: 100%;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.25rem;
  padding: 1.4rem 0;
  background: none;
  border: none;
  cursor: pointer;
  text-align: left;
  font-family: var(--font-display);
  font-size: 1.25rem;
  font-weight: 600;
  color: var(--navy);
  transition: color 0.2s ease;
}

.faq-trigger:hover {
  color: var(--rose);
}

.faq-trigger:focus-visible {
  outline: 2px solid var(--rose);
  outline-offset: 3px;
  border-radius: 2px;
}

.faq-icon {
  position: relative;
  flex: 0 0 auto;
  width: 20px;
  height: 20px;
}

.faq-icon::before,
.faq-icon::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 14px;
  height: 2px;
  background-color: var(--rose);
  transform: translate(-50%, -50%);
  transition: transform 0.25s ease, opacity 0.25s ease;
}

.faq-icon::after {
  transform: translate(-50%, -50%) rotate(90deg);
}

.faq-trigger[aria-expanded="true"] .faq-icon::after {
  transform: translate(-50%, -50%) rotate(0);
  opacity: 0;
}

.faq-panel {
  padding: 0 0 1.6rem;
}

.faq-panel p {
  margin: 0;
  max-width: 60ch;
  color: #52525b;
}

/* -------------------- Blog grid -------------------- */
.blog {
  background-color: var(--ivory);
}

.post-card {
  background-color: var(--white);
  border: 1px solid rgba(22, 35, 63, 0.08);
  border-radius: 4px;
  overflow: hidden;
  display: flex;
  flex-direction: column;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}

.post-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 20px 40px -24px rgba(22, 35, 63, 0.4);
}

.post-media {
  width: 100%;
  aspect-ratio: 16 / 10;
  background-color: rgba(176, 134, 153, 0.12);
  overflow: hidden;
}

.post-media img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}

/* Branded placeholder for blog cards without a post image yet */
.post-placeholder {
  width: 100%;
  height: 100%;
  display: flex;
  align-items: center;
  justify-content: center;
  background: linear-gradient(135deg, #1d2f52 0%, var(--navy) 55%, #0f1830 100%);
}

.post-placeholder img {
  width: 42%;
  max-width: 110px;
  height: auto;
  opacity: 0.5;
}

.post-body {
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  flex: 1 1 auto;
}

.post-date {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--rose);
  margin: 0 0 0.6rem;
}

.post-body h3 {
  margin: 0 0 0.75rem;
}

.post-excerpt {
  color: #52525b;
  margin: 0 0 1.25rem;
}

.post-body .link-arrow {
  margin-top: auto;
  padding-bottom: 0;
}

/* =========================================================
   Contact
   ========================================================= */
.contact-intro {
  background-color: var(--ivory);
  padding-top: 4.5rem;
}

.contact-intro .lead {
  font-size: 1.15rem;
  color: #52525b;
  max-width: 44rem;
  margin: 1rem auto 0;
}

.contact-main {
  background-color: var(--white);
}

.contact-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: start;
}

.contact-form-wrap h2,
.contact-direct h2 {
  margin-bottom: 1.5rem;
}

/* -------------------- Form -------------------- */
.hp-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.contact-form .field {
  margin-bottom: 1.25rem;
}

.field-row {
  display: grid;
  grid-template-columns: 1fr;
  gap: 1.25rem;
}

.contact-form label {
  display: block;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-bottom: 0.5rem;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  min-height: 48px;
  padding: 0.75rem 0.9rem;
  font-family: var(--font-body);
  font-size: 1rem;
  color: var(--charcoal);
  background-color: var(--white);
  border: 1px solid rgba(22, 35, 63, 0.22);
  border-radius: 4px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.contact-form textarea {
  min-height: 140px;
  resize: vertical;
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  outline: none;
  border-color: var(--rose);
  box-shadow: 0 0 0 3px rgba(176, 134, 153, 0.2);
}

.form-submit {
  min-height: 48px;
  width: 100%;
}

.form-status {
  margin-top: 1.25rem;
  padding: 0.9rem 1rem;
  border-radius: 4px;
  font-size: 0.95rem;
}

.form-status--success {
  background-color: rgba(22, 35, 63, 0.06);
  border: 1px solid rgba(22, 35, 63, 0.18);
  color: var(--navy);
}

.form-status--error {
  background-color: rgba(176, 134, 153, 0.12);
  border: 1px solid rgba(176, 134, 153, 0.4);
  color: #8a4a63;
}

.form-fallback-note {
  color: #52525b;
  margin-bottom: 1.5rem;
}

/* -------------------- Direct contact -------------------- */
.contact-direct {
  background-color: var(--ivory);
  border: 1px solid rgba(22, 35, 63, 0.08);
  border-radius: 4px;
  padding: 2.25rem;
}

.contact-list {
  list-style: none;
  margin: 0 0 1.75rem;
  padding: 0;
  display: grid;
  gap: 1.25rem;
}

.contact-list li {
  display: flex;
  flex-direction: column;
  gap: 0.25rem;
}

.contact-label {
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--rose);
}

.contact-list a {
  color: var(--navy);
  font-size: 1.05rem;
  transition: color 0.2s ease;
  word-break: break-word;
}

.contact-list a:hover {
  color: var(--rose);
}

.contact-social a {
  border-color: rgba(22, 35, 63, 0.2);
  color: var(--navy);
}

.contact-social a:hover {
  background-color: var(--rose);
  border-color: var(--rose);
  color: var(--white);
}

/* Single contact block (call / email mode) */
.contact-single {
  max-width: 620px;
  margin: 0 auto;
  text-align: center;
  background-color: var(--ivory);
  border: 1px solid rgba(22, 35, 63, 0.08);
  border-radius: 4px;
  padding: 3rem 2.25rem;
}

.contact-single h2 {
  margin-bottom: 1rem;
}

.contact-invite {
  color: #52525b;
  font-size: 1.1rem;
  max-width: 34rem;
  margin: 0 auto 2.25rem;
}

.contact-single .contact-list {
  justify-items: center;
  margin-bottom: 2rem;
}

.contact-single .contact-list li {
  align-items: center;
}

.contact-single .contact-social {
  display: flex;
  justify-content: center;
  gap: 0.75rem;
}

/* -------------------- Map -------------------- */
.contact-map-section {
  background-color: var(--white);
  padding-top: 0;
}

.map-frame {
  width: 100%;
  aspect-ratio: 16 / 9;
  border-radius: 4px;
  overflow: hidden;
  border: 1px solid rgba(22, 35, 63, 0.12);
}

.map-frame iframe {
  width: 100%;
  height: 100%;
  border: 0;
  display: block;
}

/* =========================================================
   Footer
   ========================================================= */
.site-footer {
  background-color: var(--navy);
  color: rgba(255, 255, 255, 0.82);
  padding: 3.5rem 0 2rem;
  font-size: 0.85rem;
}

.footer-top {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  padding-bottom: 2.5rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-brand img.footer-mono {
  height: 56px;
  width: auto;
  aspect-ratio: 1 / 1;
  object-fit: contain;
  margin-bottom: 1rem;
}

.footer-brand p {
  margin: 0.25rem 0;
}

.footer-contact a {
  color: var(--white);
  transition: color 0.2s ease;
}

.footer-contact a:hover {
  color: var(--rose);
}

.footer-tagline {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.25rem;
  color: var(--rose);
}

.footer-social {
  display: flex;
  gap: 0.9rem;
  margin-top: 1rem;
}

.footer-social a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(255, 255, 255, 0.25);
  border-radius: 50%;
  color: var(--white);
  transition: background-color 0.2s ease, border-color 0.2s ease;
}

.footer-social a:hover {
  background-color: var(--rose);
  border-color: var(--rose);
}

.footer-social svg {
  width: 18px;
  height: 18px;
  fill: currentColor;
}

/* Compliance block */
.footer-compliance {
  padding-top: 2rem;
  display: grid;
  gap: 1.25rem;
  font-size: 0.76rem;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.6);
}

.footer-compliance .compliance-lender {
  display: flex;
  align-items: center;
  gap: 1rem;
  flex-wrap: wrap;
}

.footer-compliance img.ehl {
  height: 62px;
  width: auto;
  aspect-ratio: 512 / 1047;
  object-fit: contain;
  background-color: var(--white);
  padding: 5px 7px;
  border-radius: 2px;
}

.footer-compliance .nmls strong {
  color: rgba(255, 255, 255, 0.85);
  font-weight: 600;
}

.footer-legal {
  font-style: italic;
}

.footer-fraud {
  border-top: 1px solid rgba(255, 255, 255, 0.1);
  padding-top: 1rem;
  color: rgba(255, 255, 255, 0.5);
}

/* =========================================================
   Responsive — tablet 768px
   ========================================================= */
@media (max-width: 767px) {
  .nav-toggle {
    display: flex;
  }

  .nav-links {
    position: absolute;
    top: var(--header-h);
    left: 0;
    right: 0;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background-color: var(--navy);
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    max-height: 0;
    overflow: hidden;
    transition: max-height 0.35s ease;
  }

  .nav-links.open {
    max-height: 320px;
    border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  }

  .nav-links a {
    padding: 1rem var(--pad-x);
    border-bottom: 1px solid rgba(255, 255, 255, 0.06);
    letter-spacing: 0.16em;
  }

  .nav-links a::after {
    display: none;
  }

  .header-actions .btn {
    padding: 0 1rem;
    font-size: 0.7rem;
  }
}

/* -------------------- tablet+ 768px -------------------- */
@media (min-width: 768px) {
  :root {
    --pad-x: 32px;
  }

  .card-grid {
    grid-template-columns: repeat(3, 1fr);
  }

  .card-grid--4 {
    grid-template-columns: repeat(2, 1fr);
  }

  .field-row {
    grid-template-columns: 1fr 1fr;
  }

  .footer-top {
    grid-template-columns: 1.2fr 1fr 1fr;
    align-items: start;
  }
}

/* -------------------- desktop 1024px -------------------- */
@media (min-width: 1024px) {
  :root {
    --pad-x: 40px;
  }

  .section {
    padding: 5.5rem 0;
  }

  .card-grid--4 {
    grid-template-columns: repeat(4, 1fr);
  }

  .contact-grid {
    grid-template-columns: 1.3fr 1fr;
    gap: 4rem;
  }

  .hero {
    padding: 5rem 0 5.5rem;
  }

  .hero-inner {
    grid-template-columns: 1.05fr 0.95fr;
    gap: 4rem;
  }

  .about-inner {
    grid-template-columns: 0.95fr 1.05fr;
    gap: 4rem;
  }

  /* Two-column layout: fade the INNER edge nearest the text column. Home hero
     photo sits right of the text, so fade its left edge. About story photo
     sits left of the text, so fade its right edge. */
  .hero-media img {
    -webkit-mask-image: linear-gradient(to right, transparent 0%, #000 24%, #000 100%);
    mask-image: linear-gradient(to right, transparent 0%, #000 24%, #000 100%);
  }

  .about-story-media img {
    -webkit-mask-image: linear-gradient(to left, transparent 0%, #000 24%, #000 100%);
    mask-image: linear-gradient(to left, transparent 0%, #000 24%, #000 100%);
  }

  .footer-compliance {
    grid-template-columns: auto 1fr;
    align-items: center;
    column-gap: 2rem;
  }

  .footer-fraud {
    grid-column: 1 / -1;
  }
}

/* ===== First-visit intro overlay ===== */
.swm-intro{position:fixed;inset:0;z-index:9999;display:flex;align-items:center;justify-content:center;background:radial-gradient(120% 120% at 50% 45%, #1d2f52 0%, var(--navy,#16233F) 45%, #0F1830 100%);overflow:hidden;transition:opacity 1s ease, visibility 1s ease;}
.swm-intro::after{content:"";position:absolute;inset:0;pointer-events:none;background:radial-gradient(120% 120% at 50% 50%, transparent 55%, rgba(0,0,0,.35) 100%);}
.swm-intro.done{opacity:0;visibility:hidden;}
.swm-wordmark{width:min(90vw,900px);overflow:visible;position:relative;z-index:2;opacity:0;transform:scale(.965);transition:opacity .8s ease, transform 1.1s cubic-bezier(.19,1,.22,1);}
.swm-wordmark.show{opacity:1;transform:scale(1);}
.swm-welcome{font-family:"Montserrat",sans-serif;font-weight:400;fill:#C9A6B5;letter-spacing:8px;}
.swm-name{font-family:"Cormorant Garamond",serif;font-weight:500;fill:var(--ivory,#F7F3EE);}
.swm-underline{fill:var(--rose,#B08699);}
.swm-ring{position:absolute;top:50%;left:50%;width:140vmax;height:140vmax;border-radius:50%;border:2px solid #C9A6B5;transform:translate(-50%,-50%) scale(0);pointer-events:none;opacity:0;z-index:1;}
.swm-flash{position:absolute;top:50%;left:50%;width:8px;height:8px;border-radius:50%;transform:translate(-50%,-50%) scale(0);background:radial-gradient(circle, rgba(255,255,255,.9), rgba(201,166,181,.4) 40%, transparent 70%);pointer-events:none;z-index:1;}
.swm-skip{position:absolute;bottom:26px;left:50%;transform:translateX(-50%);font-family:"Montserrat";font-size:11px;letter-spacing:2px;color:rgba(247,243,238,.4);z-index:3;opacity:0;transition:opacity .6s ease .8s;cursor:pointer;}
.swm-intro.armed .swm-skip{opacity:1;}

/* About centered hero — generous desktop padding */
@media (min-width: 768px) {
  .hero-center {
    padding: 7rem 0;
  }
}

#mm-tools{--navy:#16233F;--navy-2:#1d2f52;--rose:#B08699;--rose-soft:#C9A6B5;--ivory:#F7F3EE;--cream:#EFE7DE;--charcoal:#2C2C2C;--muted:#6b7688;--line:#e3dad0;font-family:"Montserrat",sans-serif;color:var(--charcoal);}
#mm-tools *{box-sizing:border-box;margin:0;padding:0;}
#mm-tools .calc{background:#fff;border-radius:14px;box-shadow:0 30px 70px -40px rgba(22,35,63,.45);overflow:hidden;border:1px solid var(--line);}
#mm-tools .calc-head{display:flex;align-items:center;gap:16px;padding:26px 30px;background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;}
#mm-tools .calc-head img{height:44px;width:auto;filter:brightness(0) invert(1);opacity:.96;}
#mm-tools .calc-head .t-eyebrow{font-size:11px;letter-spacing:3px;color:var(--rose-soft);text-transform:uppercase;margin-bottom:3px;}
#mm-tools .calc-head h2{font-family:"Cormorant Garamond",serif;font-weight:500;font-size:27px;line-height:1;color:#fff;}
#mm-tools .calc-head h2 em{font-style:italic;color:var(--rose-soft);}
#mm-tools .tabs{display:flex;gap:0;border-bottom:1px solid var(--line);background:var(--ivory);}
#mm-tools .tab{flex:1;padding:16px 10px;border:none;background:none;cursor:pointer;font-family:"Montserrat";font-size:12.5px;letter-spacing:1px;text-transform:uppercase;color:var(--muted);border-bottom:2px solid transparent;transition:.2s;}
#mm-tools .tab:hover{color:var(--navy);}
#mm-tools .tab.active{color:var(--navy);border-bottom-color:var(--rose);font-weight:600;background:#fff;}
#mm-tools .panel{display:none;padding:34px 30px;}
#mm-tools .panel.active{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;}
@media(max-width:800px){
#mm-tools .panel.active{grid-template-columns:1fr;gap:30px;}
#mm-tools .calc-head h2{font-size:23px;}
}
#mm-tools .control{margin-bottom:22px;}
#mm-tools .control label{display:flex;justify-content:space-between;align-items:baseline;font-size:12px;letter-spacing:.5px;color:var(--muted);text-transform:uppercase;margin-bottom:9px;}
#mm-tools .control label .val{font-family:"Cormorant Garamond",serif;font-style:italic;font-size:20px;color:var(--navy);letter-spacing:0;text-transform:none;font-weight:500;}
#mm-tools input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:5px;border-radius:5px;background:var(--cream);outline:none;}
#mm-tools input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;height:20px;width:20px;border-radius:50%;background:var(--navy);cursor:pointer;border:3px solid #fff;box-shadow:0 2px 8px rgba(22,35,63,.35);transition:.15s;}
#mm-tools input[type=range]::-webkit-slider-thumb:hover{background:var(--rose);transform:scale(1.12);}
#mm-tools input[type=range]::-moz-range-thumb{height:16px;width:16px;border-radius:50%;background:var(--navy);cursor:pointer;border:3px solid #fff;}
#mm-tools .seg{display:flex;gap:8px;}
#mm-tools .seg button{flex:1;padding:9px;border:1px solid var(--line);background:#fff;border-radius:7px;cursor:pointer;font-family:"Montserrat";font-size:12px;color:var(--muted);transition:.15s;}
#mm-tools .seg button.on{background:var(--navy);color:#fff;border-color:var(--navy);}
#mm-tools .result{background:var(--ivory);border-radius:12px;padding:28px 26px;display:flex;flex-direction:column;align-items:center;text-align:center;}
#mm-tools .result .lead-label{font-size:11px;letter-spacing:2.5px;text-transform:uppercase;color:var(--rose);margin-bottom:6px;}
#mm-tools .result .big{font-family:"Cormorant Garamond",serif;font-weight:600;font-size:52px;color:var(--navy);line-height:1;}
#mm-tools .result .big span{font-size:26px;color:var(--muted);font-weight:500;}
#mm-tools .result .sub{font-size:12.5px;color:var(--muted);margin-top:4px;}
#mm-tools .donut{margin:22px 0 8px;}
#mm-tools .legend{width:100%;display:flex;flex-direction:column;gap:9px;margin-top:6px;}
#mm-tools .legend .row{display:flex;align-items:center;justify-content:space-between;font-size:13px;}
#mm-tools .legend .row .k{display:flex;align-items:center;gap:9px;color:var(--charcoal);}
#mm-tools .legend .dot{width:11px;height:11px;border-radius:3px;}
#mm-tools .legend .v{font-weight:600;color:var(--navy);}
#mm-tools .mini-facts{width:100%;border-top:1px solid var(--line);margin-top:16px;padding-top:14px;display:flex;justify-content:space-between;font-size:12px;color:var(--muted);}
#mm-tools .mini-facts b{display:block;font-family:"Cormorant Garamond",serif;font-style:italic;font-size:18px;color:var(--navy);font-weight:500;}
#mm-tools .cta{margin-top:20px;width:100%;background:var(--rose);color:#fff;border:none;padding:14px;border-radius:8px;font-family:"Montserrat";font-size:12px;letter-spacing:1.5px;text-transform:uppercase;cursor:pointer;transition:.15s;}
#mm-tools .cta:hover{background:var(--navy);}
#mm-tools .disclaimer{font-size:10.5px;color:#9aa2ae;line-height:1.5;margin-top:14px;text-align:center;}
#mm-tools .afford-explain{background:var(--ivory);border-radius:10px;padding:16px 18px;font-size:12.5px;color:var(--muted);line-height:1.6;margin-top:4px;}
#mm-tools .afford-explain b{color:var(--navy);}
#mm-tools .bars{width:100%;margin-top:8px;}
#mm-tools .bar-row{margin-bottom:16px;}
#mm-tools .bar-row .bl{display:flex;justify-content:space-between;font-size:12px;color:var(--muted);margin-bottom:6px;}
#mm-tools .bar-track{height:14px;background:var(--cream);border-radius:8px;overflow:hidden;}
#mm-tools .bar-fill{height:100%;border-radius:8px;transition:width .5s cubic-bezier(.19,1,.22,1);}
#mm-tools .stats{margin-top:26px;background:linear-gradient(120deg,var(--navy) 0%,var(--navy-2) 100%);border-radius:14px;padding:44px 30px;color:#fff;text-align:center;}
#mm-tools .stats .eyebrow{display:block;width:100%;position:static;float:none;font-size:11px;letter-spacing:3px;line-height:1.4;color:var(--rose-soft);text-transform:uppercase;margin:0 0 6px;}
#mm-tools .stats h3{display:block;width:100%;position:static;float:none;font-family:"Cormorant Garamond",serif;font-weight:500;font-size:30px;line-height:1.15;color:#fff;margin:6px 0 4px;}
#mm-tools .stats h3 em{font-style:italic;color:var(--rose-soft);}
#mm-tools .stats .note{display:block;width:100%;position:static;float:none;font-size:11px;line-height:1.4;color:rgba(255,255,255,.4);margin:0 0 26px;}
#mm-tools .stat-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;}
@media(max-width:700px){
#mm-tools .stat-grid{grid-template-columns:repeat(2,1fr);gap:30px 16px;}
}
#mm-tools .stat .num{font-family:"Cormorant Garamond",serif;font-weight:600;font-size:46px;line-height:1;color:#fff;}
#mm-tools .stat .num .suffix{color:var(--rose-soft);}
#mm-tools .stat .lbl{font-size:11.5px;letter-spacing:1px;text-transform:uppercase;color:rgba(255,255,255,.7);margin-top:8px;}