*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
    :root {
      --navy: #1e3a6e;
      --teal: #0d7377;
      --green: #2d9e5f;
      --light-bg: #f0f4f8;
      --white: #ffffff;
      --text: #1a2233;
      --text-muted: #5a6a7e;
      --border: #d1dae6;
      --gradient: linear-gradient(135deg, #1e3a6e 0%, #0d7377 55%, #2d9e5f 100%);
    }
    html { scroll-behavior: smooth; overflow-x: hidden; }
    body { font-family: 'IBM Plex Sans', 'Segoe UI', system-ui, -apple-system, sans-serif; color: var(--text); background: var(--white); line-height: 1.6; overflow-x: hidden; }
    a { color: inherit; text-decoration: none; }
    img { max-width: 100%; display: block; }
    .container { max-width: 1200px; margin: 0 auto; padding: 0 24px; }
    .btn { display: inline-block; padding: 14px 32px; border-radius: 6px; font-weight: 600; font-size: 1rem; cursor: pointer; transition: all 0.2s; border: none; }
    .btn-primary { background: var(--green); color: white; }
    .btn-primary:hover:not(:disabled) { background: #258a52; transform: translateY(-1px); box-shadow: 0 4px 16px rgba(45,158,95,0.35); }
    .btn-primary:disabled { background: #94a3b8; cursor: not-allowed; transform: none; box-shadow: none; opacity: 0.7; }
    .btn-outline { background: transparent; color: white; border: 2px solid white; }
    .btn-outline:hover { background: rgba(255,255,255,0.12); }
    .section-label { font-size: 0.8rem; font-weight: 700; letter-spacing: 2.5px; text-transform: uppercase; color: var(--teal); margin-bottom: 12px; }
    .section-title { font-size: 2.2rem; font-weight: 800; color: var(--navy); line-height: 1.15; margin-bottom: 16px; }
    .section-subtitle { font-size: 1.05rem; color: var(--text-muted); max-width: 560px; margin-left: auto; margin-right: auto; }

    /* NAV */
    nav { position: sticky; top: 0; z-index: 100; background: var(--navy); box-shadow: 0 2px 16px rgba(0,0,0,0.2); }
    .nav-inner { display: flex; align-items: center; justify-content: space-between; padding: 0 24px; height: 66px; max-width: 1200px; margin: 0 auto; }
    .nav-brand .brand-name { color: white; font-size: 1.05rem; font-weight: 700; }
    .nav-brand .brand-sub { color: rgba(255,255,255,0.6); font-size: 0.72rem; }
    .nav-links { display: flex; align-items: center; gap: 4px; }
    .nav-links a { color: rgba(255,255,255,0.8); font-size: 0.88rem; padding: 8px 14px; border-radius: 5px; transition: all 0.2s; }
    .nav-links a:hover { color: white; background: rgba(255,255,255,0.1); }
    /* Nav dropdown */
    .nav-dropdown { position: relative; }
    .nav-dropdown > a { display: flex; align-items: center; gap: 4px; }
    .nav-dropdown.active > a { color: white !important; }
    .nav-dropdown-menu { display: none; position: absolute; top: 100%; left: 50%; transform: translateX(-50%); background: #fff; border-radius: 10px; box-shadow: 0 8px 32px rgba(0,0,0,0.18); min-width: 200px; padding: 10px 0 6px; z-index: 200; }
    .nav-dropdown.open .nav-dropdown-menu { display: block; }
    .nav-dropdown-menu a { display: block; color: #1a3a5c !important; padding: 10px 18px; font-size: 0.87rem; text-decoration: none; transition: background 0.15s; background: transparent !important; border-radius: 0; }
    .nav-dropdown-menu a:hover { background: #f0f4f8 !important; }
    /* Mobile */
    .mobile-section-label { font-size: 0.95rem !important; color: rgba(255,255,255,0.45) !important; text-transform: none; letter-spacing: 0; padding: 12px 0 !important; pointer-events: none; cursor: default; }
    .mobile-sub-link { padding-left: 36px !important; font-size: 0.9rem; }
    .nav-right { display: flex; align-items: center; gap: 16px; }
    .nav-phone { color: rgba(255,255,255,0.8); font-size: 0.88rem; }
    .nav-phone:hover { color: white; }
    .hamburger { display: none; background: none; border: none; cursor: pointer; padding: 8px; }
    .hamburger span { display: block; width: 24px; height: 2px; background: white; margin: 5px 0; transition: all 0.3s; }
    .mobile-menu { display: none; background: var(--navy); border-top: 1px solid rgba(255,255,255,0.1); padding: 8px 24px 20px; }
    .mobile-menu a { display: block; color: rgba(255,255,255,0.8); padding: 12px 0; border-bottom: 1px solid rgba(255,255,255,0.08); font-size: 0.95rem; }
    .mobile-menu a:last-child { border-bottom: none; }
    .mobile-menu.open { display: block; }

    /* HERO */
    .hero { background: var(--gradient); min-height: 100vh; display: flex; align-items: center; position: relative; overflow: hidden; }
    .hero-photo-col { display: flex; flex-direction: column; align-items: center; gap: 10px; flex-shrink: 0; }
    .hero-nmls { font-size: 0.72rem; color: rgba(255,255,255,0.55); text-align: center; }
    .hero::before { display: none; }
    .hero-inner { display: flex; align-items: flex-start; gap: 64px; padding: 60px 24px; max-width: 1200px; margin: 0 auto; width: 100%; position: relative; z-index: 1; min-height: calc(100vh - 66px); }
    .hero-content { flex: 1; color: white; }
    .hero-badge { display: inline-flex; align-items: center; gap: 8px; background: rgba(255,255,255,0.14); color: white; padding: 7px 18px; border-radius: 30px; font-size: 0.82rem; font-weight: 600; margin-bottom: 28px; backdrop-filter: blur(8px); border: 1px solid rgba(255,255,255,0.2); }
    .hero-badge::before { content: ''; width: 8px; height: 8px; border-radius: 50%; background: #7fffd4; display: block; }
    .hero h1 { font-size: 3rem; font-weight: 800; line-height: 1.08; margin-bottom: 22px; }
    .hero h1 span { color: #7fffd4; }
    .hero p { font-size: 1.1rem; color: rgba(255,255,255,0.82); margin-bottom: 38px; max-width: 480px; }
    .hero-actions { display: flex; gap: 14px; flex-wrap: wrap; }
    .hero-actions .btn { min-width: 240px; text-align: center; }
    .hero-photo {
      width: 300px; height: 360px; flex-shrink: 0; border-radius: 18px;
      background: rgba(255,255,255,0.1); border: none; position: relative;
      display: flex; flex-direction: column; align-items: center; justify-content: center;
      color: rgba(255,255,255,0.55); font-size: 0.85rem; text-align: center; gap: 10px;
      overflow: hidden;
    }
    .hero-photo svg { width: 64px; height: 64px; fill: rgba(255,255,255,0.4); }
    .vema-badge { position: absolute; bottom: 10px; right: 10px; width: 90px; border-radius: 8px; box-shadow: 0 2px 8px rgba(0,0,0,0.25); }
    .hero-photo img:not(.vema-badge) { width: 100%; height: 100%; object-fit: cover; }
    .hero-stats { display: flex; gap: 36px; margin-top: 44px; padding-top: 36px; border-top: 1px solid rgba(255,255,255,0.2); }
    .stat-num { font-size: 1.9rem; font-weight: 800; color: white; }
    .stat-label { font-size: 0.75rem; color: rgba(255,255,255,0.65); margin-top: 2px; }
    .stat-licenses { display: flex; flex-direction: column; gap: 8px; }
    .stat-licenses-title { font-size: 1.1rem; font-weight: 700; color: white; }
    .stat-states-row { display: flex; gap: 20px; }
    .stat-state { display: flex; flex-direction: column; align-items: center; }
    .state-svg { width: 140px; height: auto; display: block; }
    .state-img-wrap { position: relative; display: inline-flex; align-items: center; justify-content: center; }
    .state-nc-label { position: absolute; color: white; font-size: 1.1rem; font-weight: 700; font-family: 'Inter', 'Segoe UI', system-ui, sans-serif; letter-spacing: 2px; pointer-events: none; text-shadow: 0 1px 3px rgba(0,0,0,0.4); }

    /* LOAN OPTIONS */
    .loans { padding: 84px 0; }
    .loans-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); gap: 22px; margin-top: 48px; }
    .loan-card { background: var(--light-bg); border: 1px solid var(--border); border-radius: 14px; padding: 30px; transition: all 0.25s; display: flex; flex-direction: column; gap: 10px; }
    .loan-card:hover { border-color: var(--teal); box-shadow: 0 8px 32px rgba(13,115,119,0.13); transform: translateY(-3px); }
    .loan-icon { width: 46px; height: 46px; border-radius: 10px; background: var(--gradient); display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
    .loan-icon svg { width: 22px; height: 22px; fill: white; }
    .loan-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); }
    .loan-card p { font-size: 0.88rem; color: var(--text-muted); flex: 1; line-height: 1.7; }
    .loan-link { font-size: 0.88rem; font-weight: 700; color: var(--teal); margin-top: 6px; }
    .loan-link:hover { color: var(--green); }

    /* CTA BANNER */
    .cta-banner { background: var(--gradient); padding: 72px 24px; text-align: center; color: white; }
    .cta-banner h2 { font-size: 2.3rem; font-weight: 800; margin-bottom: 14px; }
    .cta-banner p { font-size: 1.05rem; color: rgba(255,255,255,0.83); max-width: 520px; margin: 0 auto 32px; }
    .cta-contact { margin-top: 22px; font-size: 0.88rem; opacity: 0.78; }
    .cta-contact a { color: white; font-weight: 700; text-decoration: underline; text-underline-offset: 3px; }

    /* CALCULATOR */
    .calculator { padding: 84px 0; background: var(--light-bg); }
    .calc-tabs { display: flex; border-bottom: 2px solid var(--border); margin-top: 40px; }
    .calc-tab { padding: 12px 28px; border: none; background: none; cursor: pointer; font-size: 0.93rem; font-weight: 600; color: var(--text-muted); border-bottom: 3px solid transparent; margin-bottom: -2px; transition: all 0.2s; }
    .calc-tab.active { color: var(--teal); border-bottom-color: var(--teal); }
    .calc-disclaimer { font-size: 0.75rem; color: var(--text-muted); margin: 8px 0 0; }
    .calc-panel { display: none; padding-top: 36px; }
    .calc-panel.active { display: block; }
    .form-row { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; }
    .form-group { margin-bottom: 0; }
    .form-group label { display: block; font-size: 0.75rem; font-weight: 700; color: var(--text-muted); margin-bottom: 6px; text-transform: uppercase; letter-spacing: 0.6px; }
    .form-group input, .form-group select { width: 100%; padding: 10px 14px; border: 1.5px solid var(--border); border-radius: 7px; font-size: 0.93rem; color: var(--text); background: white; transition: border-color 0.2s; }
    .form-group input:focus, .form-group select:focus { outline: none; border-color: var(--teal); box-shadow: 0 0 0 3px rgba(13,115,119,0.1); }
    .calc-card { background: white; border: 1px solid var(--border); border-radius: 14px; padding: 26px; }
    .calc-card h2 { font-size: 0.95rem; font-weight: 700; color: var(--navy); margin-bottom: 20px; padding-bottom: 12px; border-bottom: 1px solid var(--border); display: flex; align-items: center; gap: 8px; }
    .calc-actions { margin-top: 28px; display: flex; gap: 12px; flex-wrap: wrap; }
    .btn-calc { background: var(--teal); color: white; padding: 12px 30px; border-radius: 7px; font-weight: 700; cursor: pointer; border: none; font-size: 0.93rem; transition: all 0.2s; }
    .btn-calc:hover { background: var(--navy); transform: translateY(-1px); }
    .btn-reset-sm { background: none; color: var(--text-muted); padding: 12px 20px; border-radius: 7px; font-weight: 600; cursor: pointer; border: 1.5px solid var(--border); font-size: 0.93rem; transition: all 0.2s; }
    .btn-reset-sm:hover { border-color: var(--text-muted); color: var(--text); }

    /* Quote comparison layout */
    .quote-grid { display: grid; grid-template-columns: 1fr repeat(3, 1fr); gap: 18px; }
    .results-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 20px; margin-top: 32px; }
    .result-card { background: white; border: 1.5px solid var(--border); border-radius: 14px; padding: 24px; position: relative; overflow: hidden; }
    .result-card.winner { border-color: var(--green); box-shadow: 0 4px 20px rgba(45,158,95,0.15); }
    .result-card.winner::before { content: 'BEST VALUE'; position: absolute; top: 14px; right: -26px; background: var(--green); color: white; font-size: 0.62rem; font-weight: 800; padding: 4px 36px; transform: rotate(45deg); letter-spacing: 1px; }
    .result-card h2 { font-size: 0.9rem; font-weight: 700; color: var(--navy); margin-bottom: 16px; }
    .result-row { display: flex; justify-content: space-between; align-items: flex-start; padding: 7px 0; border-bottom: 1px solid #f0f4f8; font-size: 0.86rem; gap: 8px; }
    .result-row:last-child { border-bottom: none; }
    .result-row span:first-child { color: var(--text-muted); white-space: nowrap; }
    .result-row .val { font-weight: 600; color: var(--navy); text-align: right; }
    .result-row .val.hi { color: var(--green); font-size: 1.05rem; }
    #compare-results, #refi-results { display: none; }
    #compare-results.show, #refi-results.show { display: block; }
    .results-title { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-top: 36px; margin-bottom: 4px; }

    /* Refi */
    .refi-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
    .refi-card { background: white; border: 1.5px solid var(--border); border-radius: 14px; padding: 26px; }
    .refi-card h2 { font-size: 0.95rem; font-weight: 700; margin-bottom: 20px; padding-bottom: 12px; border-bottom: 1px solid var(--border); }
    .refi-card.current h2 { color: var(--text-muted); }
    .refi-card.offer h2 { color: var(--teal); }
    .refi-form-rows { display: flex; flex-direction: column; gap: 14px; }
    .refi-summary-box { background: white; border: 1.5px solid var(--border); border-radius: 14px; padding: 28px; margin-top: 22px; }
    .refi-summary-box h2 { font-size: 1.05rem; font-weight: 700; color: var(--navy); margin-bottom: 22px; }
    .metrics-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(170px, 1fr)); gap: 14px; }
    .metric-box { background: var(--light-bg); border-radius: 10px; padding: 18px; text-align: center; }
    .metric-val { font-size: 1.5rem; font-weight: 800; color: var(--navy); }
    .metric-val.pos { color: var(--green); }
    .metric-val.neg { color: #e53e3e; }
    .metric-label { font-size: 0.75rem; color: var(--text-muted); margin-top: 4px; line-height: 1.4; }
    .breakeven-section { margin-top: 22px; }
    .breakeven-section label { font-size: 0.82rem; color: var(--text-muted); margin-bottom: 8px; display: block; }
    .prog-track { height: 8px; background: var(--border); border-radius: 4px; overflow: hidden; }
    .prog-fill { height: 100%; background: var(--gradient); border-radius: 4px; transition: width 0.6s ease; }

    /* Payment Calculator */
    .pc-section-hdr { font-size: 0.82rem; font-weight: 800; color: var(--teal); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 16px; padding-bottom: 10px; border-bottom: 1.5px solid var(--border); }
    .pc-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 16px; }
    .pc-unit-wrap { display: flex; border: 1.5px solid var(--border); border-radius: 7px; overflow: hidden; }
    .pc-unit-wrap input { border: none; border-radius: 0; flex: 1; min-width: 0; }
    .pc-unit-wrap input:focus { box-shadow: none; }
    .pc-unit-toggle { display: flex; flex-direction: column; border-left: 1.5px solid var(--border); }
    .pc-unit-btn { background: var(--light-bg); border: none; cursor: pointer; font-size: 0.72rem; font-weight: 700; color: var(--text-muted); padding: 0 10px; flex: 1; transition: all 0.15s; }
    .pc-unit-btn.active { background: var(--teal); color: white; }
    .pc-unit-btn:hover:not(.active) { background: var(--border); }
    .pc-freq-toggle { display: flex; border: 1.5px solid var(--border); border-radius: 7px; overflow: hidden; height: 42px; }
    .pc-freq-btn { flex: 1; border: none; background: var(--light-bg); cursor: pointer; font-size: 0.83rem; font-weight: 700; color: var(--text-muted); transition: all 0.15s; }
    .pc-freq-btn.active { background: var(--teal); color: white; }
    .pc-freq-btn:hover:not(.active) { background: var(--border); }
    .pc-total-row { text-align: center; font-size: 1.1rem; font-weight: 700; color: var(--navy); margin: 20px 0 4px; padding: 16px; background: var(--light-bg); border-radius: 10px; }
    .pc-total-row span:last-child { color: var(--teal); font-size: 1.4rem; }
    .pc-bar-row { margin-bottom: 14px; }
    .pc-bar-label { display: flex; justify-content: space-between; font-size: 0.82rem; margin-bottom: 5px; color: var(--text-muted); font-weight: 600; }
    .pc-bar-label span:last-child { color: var(--navy); font-weight: 700; }
    .pc-bar-track { height: 10px; background: var(--border); border-radius: 5px; overflow: hidden; }
    .pc-bar-fill { height: 100%; border-radius: 5px; transition: width 0.6s ease; }
    .pc-legend { display: grid; grid-template-columns: repeat(4, auto); justify-content: start; gap: 8px 18px; font-size: 0.78rem; color: var(--text-muted); margin-bottom: 14px; }
    .pc-legend-item { display: flex; align-items: center; gap: 6px; white-space: nowrap; }
    @media (max-width: 480px) { .pc-legend { grid-template-columns: repeat(2, auto); } }
    .pc-swatch { width: 14px; height: 14px; border-radius: 3px; flex-shrink: 0; }
    .pc-swatch-interest { background-color: #0d7377 !important; }
    .pc-swatch-principal { background-color: #0c1829 !important; }
    .pc-swatch-taxins { background-color: #94a3b8 !important; }
    .pc-line-swatch { width: 22px; height: 3px; background-color: #4ade80 !important; border-radius: 2px; flex-shrink: 0; }
    .pc-swatch-subsidy { background-color: rgba(13,115,119,0.28) !important; border: 1px solid #0d7377; }
    #pc-chart { width: 100%; display: block; }
    #pc-loan { background: var(--light-bg); color: var(--text-muted); }
    #pc-results { display: none; }
    #pc-results.visible { display: block; }

    /* Break-even analysis */
    .be-analysis { margin-top: 28px; background: white; border: 1.5px solid var(--border); border-radius: 14px; padding: 26px; }
    .be-tbl-wrap { overflow-x: auto; margin-top: 16px; }
    .be-analysis h2 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 4px; }
    .be-analysis .be-sub { font-size: 0.8rem; color: var(--text-muted); margin-bottom: 20px; }
    .be-pair { margin-bottom: 24px; padding-bottom: 24px; border-bottom: 1px solid #f0f4f8; }
    .be-pair:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
    .be-pair-title { font-size: 0.88rem; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
    .be-bar-wrap { border-radius: 7px; overflow: hidden; height: 34px; display: flex; margin: 10px 0 8px; }
    .be-seg { display: flex; align-items: center; justify-content: center; font-size: 0.7rem; font-weight: 700; padding: 0 8px; white-space: nowrap; overflow: hidden; min-width: 30px; }
    .be-seg.seg-a { background: #dbeafe; color: #1e40af; }
    .be-seg.seg-b { background: #dcfce7; color: #166534; }
    .be-seg.seg-c { background: #fef9c3; color: #854d0e; }
    .be-seg.seg-tie { background: #f3f4f6; color: #4b5563; }
    .be-caption { font-size: 0.78rem; color: var(--text-muted); line-height: 1.8; }
    .be-caption b { color: var(--navy); }
    .horizon-tbl { width: 100%; border-collapse: collapse; font-size: 0.83rem; margin-top: 14px; }
    .horizon-tbl th { text-align: left; padding: 8px 8px; font-size: 0.68rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.7px; color: var(--text-muted); border-bottom: 2px solid var(--border); background: var(--light-bg); white-space: nowrap; }
    .horizon-tbl td { padding: 8px 8px; border-bottom: 1px solid #f0f4f8; vertical-align: middle; white-space: nowrap; }
    .horizon-tbl tr:last-child td { border-bottom: none; }
    .badge-refi   { display: inline-block; padding: 2px 10px; border-radius: 20px; font-size: 0.68rem; font-weight: 700; background: #dcfce7; color: #166534; }
    .badge-cur    { display: inline-block; padding: 2px 10px; border-radius: 20px; font-size: 0.68rem; font-weight: 700; background: #fef9c3; color: #854d0e; }
    .badge-be     { display: inline-block; padding: 2px 10px; border-radius: 20px; font-size: 0.68rem; font-weight: 700; background: #e0f2fe; color: #0369a1; }
    .badge-payoff { display: inline-block; padding: 2px 9px; border-radius: 20px; font-size: 0.65rem; font-weight: 700; background: #f0fdf4; color: #15803d; border: 1px solid #bbf7d0; }
    .refi-table { width: 100%; border-collapse: collapse; font-size: 0.86rem; margin-top: 22px; }
    .refi-table td { padding: 9px 0; border-bottom: 1px solid #f0f4f8; }
    .refi-table td:first-child { color: var(--text-muted); }
    .refi-table td:last-child { text-align: right; font-weight: 600; }
    .refi-table tr:last-child td { border-bottom: none; font-weight: 700; font-size: 1rem; }

    /* PROOF BAR */
    .proof-bar { background: var(--navy); padding: 14px 24px; }
    .proof-items { display: flex; align-items: center; justify-content: center; gap: 24px; flex-wrap: wrap; max-width: 1200px; margin: 0 auto; }
    .proof-item { color: rgba(255,255,255,0.9); font-size: 0.88rem; font-weight: 600; letter-spacing: 0.3px; }
    .proof-divider { width: 1px; height: 16px; background: rgba(255,255,255,0.25); }

    /* MODAL */
    .modal-overlay { display: none; position: fixed; inset: 0; background: rgba(10,20,40,0.65); z-index: 1000; align-items: center; justify-content: center; padding: 16px; backdrop-filter: blur(4px); }
    .modal-overlay.open { display: flex; }
    .modal-box { background: white; border-radius: 18px; padding: 36px; max-width: 560px; width: 100%; position: relative; max-height: 90vh; overflow-y: auto; box-shadow: 0 24px 60px rgba(0,0,0,0.22); }
    .modal-close { position: absolute; top: 16px; right: 18px; background: none; border: none; font-size: 1.6rem; cursor: pointer; color: var(--text-muted); line-height: 1; }
    .modal-close:hover { color: var(--navy); }
    .modal-title { font-size: 1.6rem; font-weight: 800; color: var(--navy); margin-bottom: 6px; }
    .modal-subtitle { color: var(--text-muted); font-size: 0.95rem; margin-bottom: 24px; }
    .modal-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
    .modal-grid .form-group { margin: 0; }
    .modal-grid .full-width { grid-column: 1 / -1; }
    .toggle-group { display: flex; gap: 0; border: 1.5px solid var(--border); border-radius: 7px; overflow: hidden; margin-top: 6px; }
    .toggle-btn { flex: 1; padding: 10px; background: white; border: none; font-size: 0.9rem; font-weight: 500; cursor: pointer; color: var(--text-muted); transition: all 0.15s; font-family: inherit; }
    .toggle-btn.active { background: var(--navy); color: white; font-weight: 600; }
    .rc-error { color: #e53e3e; font-size: 0.85rem; margin-top: 8px; }
    .consent-row { display: flex; align-items: flex-start; gap: 10px; margin-top: 16px; }
    .consent-row input[type="checkbox"] { margin-top: 3px; flex-shrink: 0; width: 16px; height: 16px; cursor: pointer; accent-color: var(--navy); }
    @media (max-width: 500px) { .modal-grid { grid-template-columns: 1fr; } .modal-grid .full-width { grid-column: 1; } .modal-box { padding: 24px 18px; } }

    /* REVIEWS */
    .reviews-section { background: var(--light-bg); padding: 48px 0; }
    .reviews-carousel { max-width: 680px; margin: 0 auto; position: relative; }
    .reviews-track { position: relative; overflow: hidden; }
    .review-card { display: none; background: white; border-radius: 16px; padding: 32px 36px; box-shadow: 0 2px 16px rgba(0,0,0,0.07); }
    .review-card.active { display: block; }
    .review-stars { color: #48bb78; font-size: 1.2rem; letter-spacing: 2px; margin-bottom: 6px; }
    .review-meta { display: flex; align-items: center; gap: 14px; margin-bottom: 16px; }
    .review-name { font-weight: 700; color: var(--navy); font-size: 1rem; }
    .review-date { color: var(--text-muted); font-size: 0.82rem; }
    .review-text { color: var(--text); font-size: 0.97rem; line-height: 1.7; }
    .reviews-dots { display: flex; justify-content: center; gap: 8px; margin-top: 18px; }
    .reviews-dots .dot { width: 8px; height: 8px; border-radius: 50%; background: var(--border); cursor: pointer; transition: background 0.2s; border: none; padding: 0; }
    .reviews-dots .dot.active { background: var(--green); }

    /* BLOG TEASER */
    .blog-teaser-section { padding: 84px 0; }
    .blog-teaser-all { font-size: 0.9rem; font-weight: 600; color: var(--teal); text-decoration: none; white-space: nowrap; padding-bottom: 2px; border-bottom: 1.5px solid var(--teal); }
    .blog-teaser-all:hover { opacity: 0.75; }
    .blog-teaser-grid { display: grid; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)); gap: 24px; }
    .blog-teaser-card { background: white; border-radius: 14px; overflow: hidden; border: 1px solid var(--border); text-decoration: none; color: inherit; display: flex; flex-direction: column; transition: all 0.25s; }
    .blog-teaser-card:hover { transform: translateY(-3px); box-shadow: 0 8px 32px rgba(13,115,119,0.13); border-color: var(--teal); }
    .blog-teaser-card img { width: 100%; aspect-ratio: 16/9; object-fit: cover; display: block; }
    .blog-teaser-card-body { padding: 18px 20px 20px; flex: 1; display: flex; flex-direction: column; }
    .blog-teaser-card-body h3 { font-size: 0.97rem; font-weight: 600; color: var(--navy); line-height: 1.45; margin: 0; }
    @media (max-width: 640px) { .blog-teaser-grid { grid-template-columns: 1fr; } }

    /* ABOUT */
    .about { padding: 84px 0; background: var(--light-bg); }
    .about-inner { display: flex; gap: 64px; align-items: center; }
    .about-photo { width: 270px; height: 310px; flex-shrink: 0; border-radius: 18px; background: var(--light-bg); border: none; display: flex; flex-direction: column; align-items: center; justify-content: center; color: var(--text-muted); font-size: 0.82rem; gap: 10px; overflow: hidden; }
    .about-photo svg { width: 48px; height: 48px; fill: #ccc; }
    .about-photo img { width: 100%; height: 100%; object-fit: cover; }
    .about-content { flex: 1; }
    .about-content p { color: var(--text-muted); margin-bottom: 14px; font-size: 0.97rem; line-height: 1.8; }
    .detail-list { display: flex; flex-direction: column; gap: 12px; margin: 22px 0; }
    .detail-item { display: flex; align-items: center; gap: 12px; font-size: 0.93rem; color: var(--text); }
    .detail-item svg { width: 18px; height: 18px; stroke: var(--teal); flex-shrink: 0; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
    .detail-item a:hover { color: var(--teal); }
    .nmls-badge { display: inline-block; background: var(--light-bg); border: 1px solid var(--border); border-radius: 6px; padding: 6px 14px; font-size: 0.78rem; font-weight: 700; color: var(--text-muted); letter-spacing: 0.5px; }

    /* SOCIAL */
    .social-section { padding: 64px 0; background: var(--navy); text-align: center; }
    .social-section h2 { color: white; font-size: 1.9rem; font-weight: 700; margin-bottom: 10px; }
    .social-section p { color: rgba(255,255,255,0.65); margin-bottom: 36px; font-size: 0.97rem; }
    .social-links { display: flex; justify-content: center; gap: 18px; }
    .social-link { width: 62px; height: 62px; border-radius: 14px; display: flex; align-items: center; justify-content: center; background: rgba(255,255,255,0.1); border: 1px solid rgba(255,255,255,0.18); transition: all 0.25s; }
    .social-link:hover { background: rgba(255,255,255,0.22); transform: translateY(-4px); box-shadow: 0 8px 24px rgba(0,0,0,0.2); }
    .social-link svg { width: 26px; height: 26px; fill: white; }
    .social-label { color: rgba(255,255,255,0.6); font-size: 0.72rem; margin-top: 8px; text-align: center; }

    /* FOOTER */
    footer { background: #0c1829; color: rgba(255,255,255,0.65); padding: 52px 0 28px; }
    .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 48px; margin-bottom: 44px; }
    .footer-brand-name { color: white; font-size: 1.15rem; font-weight: 700; margin-bottom: 6px; }
    .footer-brand p { font-size: 0.82rem; line-height: 2; }
    .footer-brand a { color: rgba(255,255,255,0.55); }
    .footer-brand a:hover { color: white; }
    footer h5 { color: white; font-size: 0.82rem; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; margin-bottom: 18px; }
    footer ul { list-style: none; display: flex; flex-direction: column; gap: 10px; }
    footer ul a { font-size: 0.82rem; color: rgba(255,255,255,0.55); transition: color 0.2s; }
    footer ul a:hover { color: white; }
    .footer-divider { border: none; border-top: 1px solid rgba(255,255,255,0.1); margin-bottom: 24px; }
    .footer-legal { font-size: 0.74rem; line-height: 1.9; color: rgba(255,255,255,0.42); }
    .footer-bottom-row { display: flex; align-items: flex-start; gap: 20px; margin-top: 16px; }
    .eh-icon { width: 100px; height: auto; flex-shrink: 0; opacity: 0.85; }
    /* Inner-page footer structure */
    .footer-inner { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 40px; max-width: 1200px; margin: 0 auto; padding: 0 24px 32px; }
    .footer-col { display: flex; flex-direction: column; gap: 8px; }
    .footer-col-title { color: white; font-weight: 700; font-size: 0.78rem; letter-spacing: 0.1em; text-transform: uppercase; margin-bottom: 6px; }
    .footer-col a { color: rgba(255,255,255,0.55); font-size: 0.85rem; text-decoration: none; transition: color 0.2s; }
    .footer-col a:hover { color: white; }
    .footer-brand .brand-name { color: white; font-size: 1.1rem; font-weight: 700; margin-bottom: 2px; }
    .footer-brand .brand-sub { color: rgba(255,255,255,0.55); font-size: 0.78rem; }
    .footer-brand p { font-size: 0.8rem; color: rgba(255,255,255,0.45); line-height: 1.6; margin-top: 6px; }
    .footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); margin-top: 8px; padding: 20px 24px 0; max-width: 1200px; margin-left: auto; margin-right: auto; font-size: 0.76rem; color: rgba(255,255,255,0.4); text-align: center; }
    @media (max-width: 768px) { .footer-inner { grid-template-columns: 1fr 1fr; gap: 28px; } }
    @media (max-width: 480px) { .footer-inner { grid-template-columns: 1fr; } }

    /* RESPONSIVE */
    @media (max-width: 960px) {
      .hero-inner { flex-direction: column-reverse; padding: 48px 24px; gap: 32px; }
      .hero-photo { width: 220px; height: 260px; }
      .hero h1 { font-size: 2.3rem; }
      .quote-grid { grid-template-columns: 1fr 1fr; }
      .refi-grid { grid-template-columns: 1fr; }
      .about-inner { flex-direction: column; }
      .footer-grid { grid-template-columns: 1fr 1fr; }
    }
    @media (max-width: 640px) {
      .nav-links, .nav-phone { display: none; }
      .hamburger { display: block; }
      .hero h1 { font-size: 1.9rem; }
      .hero-stats { display: none; }
      .hero-triangle { display: none; }
      .section-title { font-size: 1.8rem; }
      .calc-tabs { flex-wrap: wrap; }
      .quote-grid { grid-template-columns: 1fr; }
      .footer-grid { grid-template-columns: 1fr; gap: 32px; }
    }

    /* ── CHAT WIDGET ────────────────────────────────────────────────────────── */
    #chat-widget {
      position: fixed;
      bottom: 24px;
      right: 24px;
      z-index: 9999;
      display: flex;
      flex-direction: column;
      align-items: flex-end;
      gap: 12px;
    }

    #chat-toggle {
      display: flex;
      align-items: center;
      justify-content: center;
      width: 56px;
      height: 56px;
      background: #2d9e5f;
      color: white;
      border: none;
      border-radius: 50%;
      padding: 0;
      font-family: inherit;
      cursor: pointer;
      box-shadow: 0 4px 16px rgba(45,158,95,0.4);
      transition: background 0.2s, transform 0.2s;
    }
    #chat-toggle:hover { background: #258a52; transform: translateY(-2px); }
    #chat-toggle-label { display: none; }

    #chat-panel {
      width: 340px;
      height: 560px;
      max-height: calc(100vh - 80px);
      min-width: 260px;
      min-height: 300px;
      background: #fff;
      border-radius: 16px;
      box-shadow: 0 8px 40px rgba(0,0,0,0.18);
      display: none;
      flex-direction: column;
      overflow: hidden;
      position: relative;
    }
    #chat-resize-handle {
      position: absolute;
      top: 0;
      left: 0;
      width: 22px;
      height: 22px;
      cursor: nw-resize;
      z-index: 20;
      border-radius: 16px 0 8px 0;
    }
    #chat-resize-handle::after {
      content: '';
      position: absolute;
      top: 5px;
      left: 5px;
      width: 9px;
      height: 9px;
      border-top: 2px solid rgba(255,255,255,0.45);
      border-left: 2px solid rgba(255,255,255,0.45);
      border-radius: 2px 0 0 0;
    }
    #chat-panel.open { display: flex; }

    #chat-header {
      background: var(--navy);
      padding: 14px 16px;
      display: flex;
      align-items: center;
      justify-content: space-between;
    }
    .chat-header-left { display: flex; align-items: center; gap: 10px; }
    .chat-avatar { font-size: 1.4rem; line-height: 1; }
    .chat-title { color: white; font-weight: 700; font-size: 0.95rem; }
    .chat-subtitle { color: rgba(255,255,255,0.65); font-size: 0.75rem; margin-top: 1px; }

    #chat-disclaimer {
      background: #f0f4f8;
      padding: 5px 14px;
      font-size: 0.7rem;
      color: #64748b;
      border-bottom: 1px solid #e2e8f0;
      line-height: 1.35;
    }
    .chat-nmls { display: block; margin-top: 2px; font-size: 0.65rem; color: #94a3b8; }

    #chat-consent-screen {
      flex: 1;
      display: flex;
      flex-direction: column;
      justify-content: center;
      gap: 16px;
      padding: 20px 16px;
      background: #fff;
      font-size: 0.84rem;
      color: #334155;
      line-height: 1.55;
      transition: opacity 0.25s ease, transform 0.25s ease;
    }
    #chat-consent-screen.consent-accepted {
      opacity: 0;
      transform: translateY(-10px);
      pointer-events: none;
    }
    #chat-consent-screen.hidden { display: none; }
    .chat-consent-label {
      display: flex;
      align-items: flex-start;
      gap: 10px;
      cursor: pointer;
      font-weight: 600;
      color: var(--navy);
      font-size: 0.84rem;
    }
    .chat-consent-label input[type="checkbox"] {
      margin-top: 2px;
      width: 16px;
      height: 16px;
      flex-shrink: 0;
      cursor: pointer;
      accent-color: var(--navy);
    }

    .chat-quote-btn {
      background: none;
      border: none;
      color: var(--navy);
      font-size: inherit;
      font-family: inherit;
      cursor: pointer;
      text-decoration: underline;
      padding: 0;
    }

    #chat-messages {
      flex: 1;
      overflow-y: auto;
      padding: 16px;
      display: flex;
      flex-direction: column;
      gap: 10px;
      scroll-behavior: smooth;
    }

    .chat-msg {
      max-width: 85%;
      padding: 10px 13px;
      border-radius: 14px;
      font-size: 0.86rem;
      line-height: 1.5;
      word-wrap: break-word;
    }
    .chat-msg.bot {
      background: #f1f5f9;
      color: #1e293b;
      align-self: flex-start;
      border-bottom-left-radius: 4px;
    }
    .chat-msg.user {
      background: var(--navy);
      color: white;
      align-self: flex-end;
      border-bottom-right-radius: 4px;
    }
    .chat-msg a { color: var(--green); text-decoration: underline; }
    .chat-msg.user a { color: #90e6b4; }
    .chat-msg ul { margin: 6px 0 2px 16px; padding: 0; }
    .chat-msg li { margin-bottom: 3px; }
    .chat-msg h3 { font-size: 1em; font-weight: 700; margin: 8px 0 4px; }
    .chat-msg h4 { font-size: 0.95em; font-weight: 600; margin: 6px 0 3px; }

    .chat-typing {
      display: flex;
      gap: 4px;
      align-items: center;
      padding: 10px 14px;
    }
    .chat-typing span {
      width: 7px; height: 7px;
      background: #94a3b8;
      border-radius: 50%;
      animation: chat-bounce 1.2s infinite;
    }
    .chat-typing span:nth-child(2) { animation-delay: 0.2s; }
    .chat-typing span:nth-child(3) { animation-delay: 0.4s; }
    @keyframes chat-bounce {
      0%, 60%, 100% { transform: translateY(0); }
      30% { transform: translateY(-6px); }
    }

    #chat-input-area {
      display: flex;
      align-items: center;
      gap: 8px;
      padding: 12px 14px;
      border-top: 1px solid #e2e8f0;
      background: #fff;
    }
    #chat-input {
      flex: 1;
      border: 1.5px solid #e2e8f0;
      border-radius: 20px;
      padding: 9px 14px;
      font-size: 0.86rem;
      font-family: inherit;
      outline: none;
      transition: border-color 0.2s;
    }
    #chat-input:focus { border-color: var(--navy); }
    #chat-send {
      width: 36px; height: 36px;
      border-radius: 50%;
      border: none;
      background: var(--navy);
      color: white;
      cursor: pointer;
      display: flex;
      align-items: center;
      justify-content: center;
      flex-shrink: 0;
      transition: background 0.2s;
    }
    #chat-send:hover { background: #122b47; }
    #chat-send:disabled { background: #cbd5e1; cursor: not-allowed; }

    @media (max-width: 640px) {
      #chat-widget { bottom: 16px; right: 16px; }
      #chat-panel { width: calc(100vw - 32px); max-height: 460px; }
      #chat-toggle { width: 52px; height: 52px; }
    }

    /* ── HERO SLIDESHOW ──────────────────────────────────────────────────────── */
    .hero-grid { display: none; }
    .hero-slideshow { display: block; position: relative; width: 520px; height: 520px; flex-shrink: 0; border-radius: 18px; overflow: hidden; }
    @media (max-width: 960px) {
      .hero-slideshow { width: 100%; max-width: 480px; height: auto; aspect-ratio: 3 / 2; }
    }
    @media (max-width: 640px) {
      .hero { min-height: auto; overflow: visible; }
      .hero-inner { flex-direction: column; min-height: auto; padding: 24px 20px 40px; }
      .hero-photo-col { order: -1; width: 100%; }
      .hero-slideshow { width: 100%; max-width: 100%; border-radius: 14px; }
    }
    .hero-slide { position: absolute; inset: 0; background-size: cover; background-position: center; opacity: 0; animation: slideshow 24s infinite; }
    .hero-slide:nth-child(1) { animation-delay: 0s; background-position: right center; }
    .hero-slide:nth-child(2) { animation-delay: 6s; }
    .hero-slide:nth-child(3) { animation-delay: 12s; }
    .hero-slide:nth-child(4) { animation-delay: 18s; }
    @keyframes slideshow {
      0%    { opacity: 0; }
      4%    { opacity: 1; }
      25%   { opacity: 1; }
      29%   { opacity: 0; }
      100%  { opacity: 0; }
    }

    /* ── CALCULATOR TEASER ───────────────────────────────────────────────────── */
    .calc-teaser { padding: 84px 0; background: var(--light-bg); }
    .calc-teaser-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 22px; margin-top: 48px; }
    .calc-teaser-card { background: white; border: 1px solid var(--border); border-radius: 14px; padding: 30px; display: flex; flex-direction: column; gap: 12px; transition: all 0.25s; }
    .calc-teaser-card:hover { border-color: var(--teal); box-shadow: 0 8px 32px rgba(13,115,119,0.13); transform: translateY(-3px); }
    .calc-teaser-card h3 { font-size: 1.1rem; font-weight: 700; color: var(--navy); }
    .calc-teaser-card p { font-size: 0.88rem; color: var(--text-muted); flex: 1; line-height: 1.7; }
    .calc-teaser-card .loan-link { font-size: 0.88rem; font-weight: 700; color: var(--teal); }

    /* ── INNER PAGE HERO ─────────────────────────────────────────────────────── */
    .inner-hero { background: var(--gradient); padding: 56px 24px 52px; color: white; }
    .inner-hero .container { max-width: 1200px; margin: 0 auto; }
    .inner-hero h1 { font-size: 2.2rem; font-weight: 800; margin-bottom: 10px; }
    .inner-hero h1 span { color: #7fffd4; }
    .inner-hero p { font-size: 1rem; color: rgba(255,255,255,0.82); max-width: 620px; }
    @media (max-width: 640px) { .inner-hero h1 { font-size: 1.7rem; } }

    /* ── INNER PAGE CONTENT ──────────────────────────────────────────────────── */
    .inner-content { padding: 64px 0 88px; }

    /* ── FAQ ─────────────────────────────────────────────────────────────────── */
    .faq-category { margin-bottom: 52px; }
    .faq-category-title { font-size: 1.35rem; font-weight: 800; color: var(--navy); margin-bottom: 22px; padding-bottom: 12px; border-bottom: 2px solid var(--border); }
    .faq-item { border: 1px solid var(--border); border-radius: 10px; margin-bottom: 10px; overflow: hidden; background: white; }
    .faq-question { width: 100%; text-align: left; padding: 18px 20px; background: white; border: none; cursor: pointer; font-size: 0.97rem; font-weight: 600; color: var(--navy); display: flex; justify-content: space-between; align-items: center; gap: 12px; font-family: inherit; line-height: 1.4; }
    .faq-question:hover { background: var(--light-bg); }
    .faq-chevron { flex-shrink: 0; transition: transform 0.25s; font-size: 0.85rem; color: var(--teal); }
    .faq-item.open .faq-chevron { transform: rotate(180deg); }
    .faq-answer { display: none; padding: 4px 20px 20px; color: var(--text-muted); font-size: 0.93rem; line-height: 1.8; }
    .faq-answer p { margin-bottom: 10px; }
    .faq-answer p:last-child { margin-bottom: 0; }
    .faq-answer ul { margin: 8px 0 10px 20px; }
    .faq-answer li { margin-bottom: 6px; }
    .faq-item.open .faq-answer { display: block; }

    /* ── GLOSSARY ────────────────────────────────────────────────────────────── */
    .glossary-nav { display: flex; flex-wrap: wrap; gap: 8px; margin-bottom: 44px; }
    .glossary-nav a { display: inline-flex; align-items: center; justify-content: center; width: 36px; height: 36px; background: var(--light-bg); border: 1px solid var(--border); border-radius: 6px; font-weight: 700; font-size: 0.88rem; color: var(--navy); transition: all 0.2s; }
    .glossary-nav a:hover { background: var(--teal); color: white; border-color: var(--teal); }
    .glossary-letter-group { margin-bottom: 44px; scroll-margin-top: 80px; }
    .glossary-letter { font-size: 1.5rem; font-weight: 800; color: var(--navy); border-bottom: 2px solid var(--teal); padding-bottom: 8px; margin-bottom: 20px; display: inline-block; min-width: 36px; }
    .glossary-term { margin-bottom: 18px; padding-bottom: 18px; border-bottom: 1px solid #f0f4f8; }
    .glossary-term:last-child { border-bottom: none; }
    .glossary-term h4 { font-size: 1rem; font-weight: 700; color: var(--navy); margin-bottom: 6px; }
    .glossary-term p { font-size: 0.92rem; color: var(--text-muted); line-height: 1.75; margin: 0; }

    /* ── PROCESS ─────────────────────────────────────────────────────────────── */
    .process-grid { display: flex; flex-direction: column; margin-top: 48px; }
    .process-step { display: flex; gap: 24px; padding: 28px 0; border-bottom: 1px solid var(--border); }
    .process-step:last-child { border-bottom: none; }
    .process-num { width: 48px; height: 48px; min-width: 48px; border-radius: 50%; background: var(--gradient); color: white; font-size: 1.2rem; font-weight: 800; display: flex; align-items: center; justify-content: center; }
    .process-content h2 { font-size: 1.08rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
    .process-content p { font-size: 0.92rem; color: var(--text-muted); line-height: 1.8; margin: 0; }
    .process-content a { color: var(--teal); font-weight: 600; }

    /* ── LOANS DETAIL ────────────────────────────────────────────────────────── */
    .loans-detail-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(320px, 1fr)); gap: 28px; margin-top: 48px; }
    .loan-detail-card { background: var(--light-bg); border: 1px solid var(--border); border-radius: 16px; padding: 32px; transition: all 0.25s; display: flex; flex-direction: column; gap: 10px; }
    .loan-detail-card:hover { border-color: var(--teal); box-shadow: 0 8px 32px rgba(13,115,119,0.13); transform: translateY(-3px); }
    .loan-detail-card h2 { font-size: 1.15rem; font-weight: 700; color: var(--navy); display: flex; align-items: center; gap: 12px; }
    .loan-detail-card p { font-size: 0.91rem; color: var(--text-muted); line-height: 1.75; }
    .loan-detail-card ul { margin: 0 0 10px 18px; }
    .loan-detail-card li { font-size: 0.88rem; color: var(--text-muted); margin-bottom: 5px; line-height: 1.6; }
    .loan-detail-card .loan-link { font-size: 0.88rem; font-weight: 700; color: var(--teal); margin-top: 4px; }

    /* ── RESOURCES ───────────────────────────────────────────────────────────── */
    .resources-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 24px; margin-top: 48px; }
    .resource-card { background: var(--light-bg); border: 1px solid var(--border); border-radius: 16px; padding: 32px; display: flex; flex-direction: column; gap: 12px; transition: all 0.25s; text-decoration: none; color: inherit; }
    .resource-card:hover { border-color: var(--teal); box-shadow: 0 8px 32px rgba(13,115,119,0.13); transform: translateY(-3px); }
    .resource-icon { width: 52px; height: 52px; border-radius: 12px; background: var(--gradient); display: flex; align-items: center; justify-content: center; }
    .resource-icon svg { width: 26px; height: 26px; fill: white; }
    .resource-card h2 { font-size: 1.1rem; font-weight: 700; color: var(--navy); }
    .resource-card p { font-size: 0.88rem; color: var(--text-muted); flex: 1; line-height: 1.7; }
    .resource-link { font-size: 0.88rem; font-weight: 700; color: var(--teal); }

    /* BLOG INDEX */
    .blog-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 28px; margin-top: 44px; }
    .blog-card { background: var(--white); border: 1px solid var(--border); border-radius: 16px; overflow: hidden; display: flex; flex-direction: column; transition: all 0.25s; text-decoration: none; color: inherit; }
    .blog-card:hover { border-color: var(--teal); box-shadow: 0 8px 32px rgba(13,115,119,0.13); transform: translateY(-3px); }
    .blog-card-img { width: 100%; aspect-ratio: 16 / 9; object-fit: cover; }
    .blog-card-body { padding: 24px; display: flex; flex-direction: column; gap: 10px; flex: 1; }
    .blog-card-body h2 { font-size: 1.15rem; font-weight: 700; color: var(--navy); line-height: 1.3; }
    .blog-card-body p { font-size: 0.9rem; color: var(--text-muted); line-height: 1.65; flex: 1; }
    .blog-card-link { font-size: 0.88rem; font-weight: 700; color: var(--teal); }

    /* BLOG POST */
    .blog-post { padding: 48px 24px 88px; }
    .blog-post-inner { max-width: 720px; margin: 0 auto; }
    .blog-crumbs { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 24px; background: none; position: static; box-shadow: none; }
    .blog-crumbs a { color: var(--teal); font-weight: 600; }
    .blog-post h1 { font-size: 2.2rem; font-weight: 800; color: var(--navy); line-height: 1.2; margin-bottom: 12px; }
    .blog-meta { font-size: 0.85rem; color: var(--text-muted); margin-bottom: 24px; }
    .blog-cover { width: 100%; border-radius: 14px; margin-bottom: 32px; }
    .blog-body { font-size: 1.02rem; line-height: 1.75; color: var(--text); }
    .blog-body p { margin-bottom: 18px; }
    .blog-body h2 { font-size: 1.4rem; font-weight: 700; color: var(--navy); margin: 36px 0 14px; }
    .blog-body ul, .blog-body ol { margin: 0 0 18px 22px; }
    .blog-body li { margin-bottom: 8px; }
    .blog-body a { color: var(--teal); font-weight: 600; }
    .blog-body strong { font-weight: 700; color: var(--navy); }
    .blog-body img { border-radius: 12px; margin: 24px 0; border: 1px solid var(--border); }
    .blog-related { margin-top: 44px; padding-top: 28px; border-top: 1px solid var(--border); }
    .blog-related h2 { font-size: 1.25rem; font-weight: 700; color: var(--navy); margin-bottom: 16px; }
    .blog-related a { display: block; padding: 14px 18px; background: var(--light-bg); border: 1px solid var(--border); border-radius: 10px; margin-bottom: 10px; font-weight: 600; color: var(--navy); transition: all 0.2s; }
    .blog-related a:hover { border-color: var(--teal); color: var(--teal); }
    .blog-cta { margin-top: 36px; background: var(--light-bg); border: 1px solid var(--border); border-radius: 16px; padding: 32px; text-align: center; }
    .blog-cta h2 { font-size: 1.3rem; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
    .blog-cta p { font-size: 0.95rem; color: var(--text-muted); margin-bottom: 20px; }
    .blog-cta-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
    @media (max-width: 640px) { .blog-post h1 { font-size: 1.7rem; } }

    /* ── ABOUT PAGE ──────────────────────────────────────────────────────────── */
    .about-page-section { padding: 80px 0; }
    .about-page-inner { display: flex; gap: 64px; align-items: flex-start; }
    .about-page-photo { width: 100%; height: 350px; border-radius: 18px; overflow: hidden; }
    .about-page-photo img { width: 100%; height: 100%; object-fit: cover; }
    .about-page-photo-col { width: 290px; min-width: 290px; flex-shrink: 0; }
    @media (max-width: 960px) { .about-page-photo-col { width: 100%; min-width: unset; display: flex; flex-direction: column; align-items: center; } .about-page-photo img { object-position: top center; } }
    .about-page-content p { color: var(--text-muted); margin-bottom: 14px; font-size: 0.97rem; line-height: 1.8; }
    .credentials-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin-top: 24px; }
    .credential-item { background: var(--light-bg); border: 1px solid var(--border); border-radius: 10px; padding: 16px; }
    .credential-item h4 { font-size: 0.78rem; font-weight: 700; color: var(--teal); text-transform: uppercase; letter-spacing: 0.7px; margin-bottom: 4px; }
    .credential-item p { font-size: 0.88rem; color: var(--text); margin: 0; line-height: 1.4; }
    @media (max-width: 960px) {
      .about-page-inner { flex-direction: column; }
      .about-page-photo { height: 420px; }
      .about-page-section { padding: 32px 0; }
      .credentials-grid { grid-template-columns: 1fr; }
    }