/* LoanShield site styles */
@font-face{font-family:"Inter";font-style:normal;font-weight:400;font-display:swap;src:url("../fonts/inter-latin-400-normal.woff2") format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:500;font-display:swap;src:url("../fonts/inter-latin-500-normal.woff2") format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:600;font-display:swap;src:url("../fonts/inter-latin-600-normal.woff2") format("woff2")}
@font-face{font-family:"Inter";font-style:normal;font-weight:700;font-display:swap;src:url("../fonts/inter-latin-700-normal.woff2") format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:500;font-display:swap;src:url("../fonts/plus-jakarta-sans-latin-500-normal.woff2") format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:600;font-display:swap;src:url("../fonts/plus-jakarta-sans-latin-600-normal.woff2") format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:700;font-display:swap;src:url("../fonts/plus-jakarta-sans-latin-700-normal.woff2") format("woff2")}
@font-face{font-family:"Plus Jakarta Sans";font-style:normal;font-weight:800;font-display:swap;src:url("../fonts/plus-jakarta-sans-latin-800-normal.woff2") format("woff2")}
:root{
  --navy:#0b1f3a;
  --navy-2:#132c52;
  --blue:#1d5fe0;
  --blue-600:#174ec0;
  --blue-50:#eef4ff;
  --blue-100:#dbe7ff;
  --sky:#5aa2ff;
  --ink:#0f172a;
  --slate-700:#334155;
  --slate-600:#475569;
  --slate-500:#64748b;
  --slate-300:#cbd5e1;
  --slate-200:#e2e8f0;
  --slate-100:#f1f5f9;
  --slate-50:#f8fafc;
  --white:#ffffff;
  --green:#0f9d6b;
  --radius:16px;
  --shadow-sm:0 1px 2px rgba(15,23,42,.06),0 1px 3px rgba(15,23,42,.08);
  --shadow:0 10px 30px -12px rgba(15,23,42,.18),0 4px 10px -6px rgba(15,23,42,.08);
  --shadow-lg:0 30px 60px -20px rgba(11,31,58,.30);
  --maxw:1200px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:"Plus Jakarta Sans",Inter,sans-serif;line-height:1.15;letter-spacing:-.02em;color:var(--navy)}
a{color:inherit;text-decoration:none}
img,svg{display:block}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--blue)}
.eyebrow::before{content:"";width:18px;height:2px;background:var(--blue);border-radius:2px}
.section{padding:96px 0}
.section-head{max-width:640px;margin-bottom:48px}
.section-head.center{margin-left:auto;margin-right:auto;text-align:center}
.section-head.center .eyebrow::before{display:none}
.section-head h2{font-size:clamp(28px,4vw,42px);margin-top:12px}
.section-head p{color:var(--slate-600);font-size:18px;margin-top:14px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:600;font-size:15px;padding:13px 22px;border-radius:12px;border:1px solid transparent;cursor:pointer;transition:.18s ease;font-family:inherit;white-space:nowrap}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 8px 20px -8px rgba(29,95,224,.6)}
.btn-primary:hover{background:var(--blue-600);transform:translateY(-1px)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--slate-200)}
.btn-ghost:hover{border-color:var(--slate-300);background:var(--slate-50)}
.btn-lg{padding:16px 28px;font-size:16px}
.btn svg{width:18px;height:18px}

/* Header */
.topbar{background:var(--navy);color:#cfdcf3;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;height:38px}
.topbar a{color:#fff;font-weight:600}
.topbar .tb-left{display:flex;gap:18px;align-items:center}
.topbar .dot{width:6px;height:6px;border-radius:50%;background:#34d399;display:inline-block;margin-right:6px;box-shadow:0 0 0 3px rgba(52,211,153,.2)}
header.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.9);backdrop-filter:saturate(1.6) blur(12px);border-bottom:1px solid var(--slate-200)}
header.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:24px}
.logo{display:flex;align-items:center;gap:10px;font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-weight:800;font-size:21px;color:var(--navy);letter-spacing:-.02em}
.logo b{font-weight:800}
.logo span{color:var(--blue)}
.logo svg{width:34px;height:34px}
nav.menu{display:flex;gap:4px}
nav.menu a{padding:9px 14px;border-radius:10px;font-size:15px;font-weight:500;color:var(--slate-700)}
nav.menu a:hover{background:var(--slate-100);color:var(--navy)}
.nav-cta{display:flex;align-items:center;gap:10px}
.nav-cta .phone{font-weight:600;color:var(--navy);font-size:15px;display:flex;align-items:center;gap:8px;padding:9px 12px}
.nav-cta .phone svg{width:18px;height:18px;color:var(--blue)}
.burger{display:none;background:none;border:1px solid var(--slate-200);border-radius:10px;width:42px;height:42px;align-items:center;justify-content:center;cursor:pointer}

/* Hero */
.hero{position:relative;overflow:hidden;background:
  radial-gradient(900px 500px at 85% -10%,var(--blue-100),transparent 60%),
  radial-gradient(700px 400px at -10% 110%,var(--blue-50),transparent 60%),
  #fff}
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(var(--slate-100) 1px,transparent 1px),linear-gradient(90deg,var(--slate-100) 1px,transparent 1px);background-size:44px 44px;mask-image:radial-gradient(ellipse at 70% 30%,#000 10%,transparent 65%);opacity:.7;pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;padding-top:80px;padding-bottom:96px}
.pill{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid var(--slate-200);padding:6px 14px 6px 6px;border-radius:999px;font-size:14px;color:var(--slate-600);box-shadow:var(--shadow-sm)}
.pill b{background:var(--blue-50);color:var(--blue);padding:3px 10px;border-radius:999px;font-size:12px;font-weight:700}
.hero h1{font-size:clamp(38px,5.6vw,64px);margin:22px 0 20px;font-weight:800}
.hero h1 .hl{color:var(--blue);position:relative;white-space:nowrap}
.hero h1 .hl::after{content:"";position:absolute;left:0;right:0;bottom:4px;height:10px;background:var(--blue-100);z-index:-1;border-radius:4px}
.hero .lede{font-size:19px;color:var(--slate-600);max-width:540px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:32px}
.offer{margin-top:28px;display:flex;max-width:460px;background:#fff;border:1px solid var(--slate-200);border-radius:14px;padding:6px;box-shadow:var(--shadow-sm)}
.offer input{flex:1;border:0;outline:0;font:inherit;padding:10px 12px;font-size:15px;color:var(--ink);min-width:0;background:transparent}
.offer button{border:0;background:var(--navy);color:#fff;font:inherit;font-weight:600;font-size:14px;padding:10px 16px;border-radius:10px;cursor:pointer}
.offer-label{font-size:13px;color:var(--slate-500);margin-top:24px;margin-bottom:8px;font-weight:500}
.trust-row{display:flex;flex-wrap:wrap;gap:22px;margin-top:32px;color:var(--slate-600);font-size:14px;font-weight:500}
.trust-row div{display:flex;align-items:center;gap:8px}
.trust-row svg{width:18px;height:18px;color:var(--green)}

/* Hero visual */
.hero-visual{position:relative}
.card-main{background:#fff;border:1px solid var(--slate-200);border-radius:22px;box-shadow:var(--shadow-lg);padding:28px;position:relative}
.cm-head{display:flex;justify-content:space-between;align-items:center;margin-bottom:22px}
.cm-head h4{font-size:16px}
.badge{font-size:12px;font-weight:700;padding:5px 10px;border-radius:999px;background:#e7f7f0;color:var(--green)}
.cm-compare{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.cm-box{border:1px solid var(--slate-200);border-radius:14px;padding:16px}
.cm-box.new{background:linear-gradient(180deg,var(--blue-50),#fff);border-color:var(--blue-100)}
.cm-box small{display:block;font-size:12px;color:var(--slate-500);font-weight:500;text-transform:uppercase;letter-spacing:.06em}
.cm-box .amt{font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-weight:800;font-size:30px;color:var(--navy);margin-top:6px}
.cm-box .amt sub{font-size:14px;color:var(--slate-500);font-weight:600;bottom:0}
.cm-box.old .amt{color:var(--slate-500);text-decoration:line-through;text-decoration-color:var(--slate-300);text-decoration-thickness:2px}
.cm-box .rate{font-size:13px;color:var(--slate-600);margin-top:4px}
.cm-save{margin-top:18px;background:var(--navy);color:#fff;border-radius:14px;padding:18px 20px;display:flex;justify-content:space-between;align-items:center}
.cm-save small{color:#9fb6dc;font-size:13px}
.cm-save .big{font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-weight:800;font-size:28px}
.cm-bars{display:flex;align-items:flex-end;gap:8px;height:70px;margin-top:20px}
.cm-bars span{flex:1;border-radius:6px 6px 2px 2px;background:var(--blue-100)}
.cm-bars span.on{background:linear-gradient(180deg,var(--sky),var(--blue))}
.cm-foot{display:flex;justify-content:space-between;font-size:12px;color:var(--slate-500);margin-top:8px}

/* Stats strip */
.stats{border-top:1px solid var(--slate-200);border-bottom:1px solid var(--slate-200);background:var(--slate-50)}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.stat{padding:32px 24px;border-right:1px solid var(--slate-200)}
.stat:last-child{border-right:0}
.stat .n{font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-weight:800;font-size:34px;color:var(--navy)}
.stat .n em{font-style:normal;color:var(--blue)}
.stat p{color:var(--slate-600);font-size:14px;margin-top:4px}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;position:relative}
.step{background:#fff;border:1px solid var(--slate-200);border-radius:var(--radius);padding:32px;position:relative;transition:.2s}
.step:hover{border-color:var(--blue-100);box-shadow:var(--shadow);transform:translateY(-3px)}
.step .num{position:absolute;top:24px;right:28px;font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-weight:800;font-size:44px;color:var(--slate-100)}
.step .ic{width:52px;height:52px;border-radius:14px;background:var(--blue);color:#fff;display:grid;place-items:center;margin-bottom:22px;box-shadow:0 10px 20px -10px rgba(29,95,224,.7)}
.step .ic svg{width:26px;height:26px}
.step h3{font-size:21px;margin-bottom:8px}
.step p{color:var(--slate-600)}

/* Products */
.products-bg{background:var(--slate-50);border-top:1px solid var(--slate-200);border-bottom:1px solid var(--slate-200)}
.products{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.product{background:#fff;border:1px solid var(--slate-200);border-radius:20px;overflow:hidden;display:flex;flex-direction:column;transition:.2s}
.product:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.product .art{height:170px;position:relative;overflow:hidden;background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,var(--blue) 140%)}
.product .art svg{position:absolute;inset:0;width:100%;height:100%}
.product .tag{position:absolute;top:16px;left:16px;background:rgba(255,255,255,.14);color:#fff;font-size:12px;font-weight:600;padding:5px 10px;border-radius:999px;border:1px solid rgba(255,255,255,.2);backdrop-filter:blur(4px)}
.product .body{padding:28px;display:flex;flex-direction:column;flex:1}
.product h3{font-size:22px;margin-bottom:10px}
.product p{color:var(--slate-600);flex:1}
.product ul{list-style:none;margin:18px 0 24px;display:grid;gap:8px}
.product li{display:flex;gap:10px;font-size:14px;color:var(--slate-700)}
.product li svg{width:18px;height:18px;color:var(--blue);flex-shrink:0;margin-top:2px}
.product .link{font-weight:600;color:var(--blue);display:inline-flex;align-items:center;gap:6px}
.product .link svg{width:16px;height:16px;transition:.2s}
.product:hover .link svg{transform:translateX(3px)}

.handled{margin-top:24px;background:#fff;border:1px solid var(--slate-200);border-radius:20px;padding:28px 32px;display:grid;grid-template-columns:.8fr 1.6fr;gap:32px;align-items:center}
.handled-head h3{font-size:20px}
.handled-head p{color:var(--slate-600);font-size:15px;margin-top:6px}
.handled ol{list-style:none;counter-reset:h;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.handled li{counter-increment:h;padding-left:44px;position:relative}
.handled li::before{content:counter(h);position:absolute;left:0;top:0;width:32px;height:32px;border-radius:50%;background:var(--blue-50);color:var(--blue);font-weight:700;display:grid;place-items:center;font-size:14px}
.handled li b{display:block;color:var(--navy);font-size:15px}
.handled li span{color:var(--slate-600);font-size:14px}

/* Calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:0;border:1px solid var(--slate-200);border-radius:24px;overflow:hidden;box-shadow:var(--shadow)}
.calc-in{padding:40px;background:#fff}
.calc-in h3{font-size:15px;color:var(--slate-500);text-transform:uppercase;letter-spacing:.08em;font-weight:700;margin-bottom:18px;font-family:Inter,system-ui,sans-serif}
.calc-in h3:not(:first-child){margin-top:30px}
.field{margin-bottom:18px}
.field-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:8px}
.field label{font-size:14px;font-weight:600;color:var(--slate-700)}
.field output{font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-weight:700;color:var(--navy);font-size:16px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;background:var(--slate-200);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--blue);cursor:pointer;box-shadow:var(--shadow-sm)}
input[type=range]::-moz-range-thumb{width:18px;height:18px;border-radius:50%;background:#fff;border:3px solid var(--blue);cursor:pointer}
.calc-out{background:linear-gradient(160deg,var(--navy),var(--navy-2));color:#fff;padding:40px;display:flex;flex-direction:column}
.calc-out .lbl{color:#9fb6dc;font-size:14px;font-weight:500}
.calc-out .hero-num{font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-weight:800;font-size:clamp(44px,6vw,60px);line-height:1;margin:10px 0 6px;letter-spacing:-.03em}
.calc-out .sub{color:#cfdcf3;font-size:15px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:28px 0}
.calc-grid div{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:16px}
.calc-grid small{color:#9fb6dc;font-size:12px;text-transform:uppercase;letter-spacing:.06em;font-weight:600}
.calc-grid b{display:block;font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-size:22px;margin-top:4px}
.calc-table{width:100%;border-collapse:collapse;font-size:14px;margin-bottom:26px}
.calc-table th{text-align:right;color:#9fb6dc;font-weight:600;font-size:12px;text-transform:uppercase;letter-spacing:.05em;padding:8px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.calc-table th:first-child,.calc-table td:first-child{text-align:left}
.calc-table td{text-align:right;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.08);color:#e4ecfa}
.calc-table td.s{color:#6ee7b7;font-weight:600}
.calc-out .btn{margin-top:auto;align-self:flex-start}
.calc-note{font-size:12px;color:var(--slate-500);margin-top:16px;max-width:900px}

/* Why */
.why{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:center}
.why-list{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.why-item{padding:26px;border:1px solid var(--slate-200);border-radius:var(--radius);background:#fff}
.why-item .ic{width:44px;height:44px;border-radius:12px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;margin-bottom:16px}
.why-item .ic svg{width:22px;height:22px}
.why-item h4{font-size:17px;margin-bottom:6px}
.why-item p{color:var(--slate-600);font-size:15px}
.benefits{list-style:none;display:grid;gap:12px;margin:28px 0 32px}
.benefits li{display:flex;align-items:center;gap:12px;font-weight:500;color:var(--slate-700)}
.benefits li span{width:28px;height:28px;border-radius:8px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;flex-shrink:0}
.benefits li svg{width:16px;height:16px}

/* Agent band */
.agent{background:var(--navy);border-radius:28px;padding:56px;display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center;position:relative;overflow:hidden}
.agent::before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;right:-160px;top:-220px;background:radial-gradient(circle,rgba(90,162,255,.35),transparent 65%)}
.agent h2{color:#fff;font-size:clamp(26px,3.6vw,38px);position:relative}
.agent p{color:#b9c9e6;font-size:17px;margin-top:12px;position:relative}
.agent .hours{display:flex;gap:10px;margin-top:22px;position:relative;flex-wrap:wrap}
.agent .hours span{font-size:13px;color:#cfdcf3;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);padding:6px 12px;border-radius:999px}
.agent-cta{position:relative;display:flex;flex-direction:column;gap:12px;align-items:stretch}
.agent-cta .phone-big{display:flex;align-items:center;gap:14px;background:#fff;border-radius:16px;padding:18px 22px;color:var(--navy)}
.agent-cta .phone-big .ic{width:46px;height:46px;border-radius:12px;background:var(--blue);color:#fff;display:grid;place-items:center}
.agent-cta .phone-big .ic svg{width:22px;height:22px}
.agent-cta .phone-big small{display:block;color:var(--slate-500);font-size:13px}
.agent-cta .phone-big b{font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-size:22px}
.avatars{display:flex;align-items:center;gap:10px;color:#cfdcf3;font-size:14px}
.avatars div{display:flex}
.avatars i{width:34px;height:34px;border-radius:50%;border:2px solid var(--navy);margin-left:-8px;display:grid;place-items:center;font-style:normal;font-weight:700;font-size:12px;color:#fff}
.avatars i:first-child{margin-left:0}

/* FAQ */
.faq-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:64px}
.faq details{border-bottom:1px solid var(--slate-200);padding:22px 0}
.faq details:first-child{border-top:1px solid var(--slate-200)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-weight:700;font-size:18px;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary .pm{width:30px;height:30px;border-radius:50%;border:1px solid var(--slate-200);display:grid;place-items:center;flex-shrink:0;transition:.2s;color:var(--blue)}
.faq details[open] summary .pm{transform:rotate(45deg);background:var(--blue);color:#fff;border-color:var(--blue)}
.faq details p{color:var(--slate-600);margin-top:12px;max-width:640px}

/* Final CTA */
.final{text-align:center;padding:96px 0;background:
  radial-gradient(600px 300px at 50% 0%,var(--blue-50),transparent 70%),#fff;border-top:1px solid var(--slate-200)}
.final h2{font-size:clamp(32px,5vw,52px);max-width:760px;margin:14px auto 16px}
.final p{color:var(--slate-600);font-size:18px;max-width:560px;margin:0 auto 32px}
.final .btns{display:flex;justify-content:center;gap:12px;flex-wrap:wrap}

/* Footer */
footer{background:var(--navy);color:#b9c9e6;padding:72px 0 32px;font-size:14px}
.f-top{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.1)}
footer .logo{color:#fff}
footer .logo span{color:var(--sky)}
.f-top p{margin-top:16px;max-width:300px}
.f-top h5{color:#fff;font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif;font-size:14px;margin-bottom:16px;letter-spacing:.02em}
.f-top ul{list-style:none;display:grid;gap:10px}
.f-top a:hover{color:#fff}
.f-phone{display:inline-flex;margin-top:20px;color:#fff;font-weight:700;font-size:18px;font-family:"Plus Jakarta Sans",Inter,system-ui,sans-serif}
.f-legal{padding-top:28px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:16px}
.f-legal ul{display:flex;gap:20px;list-style:none;flex-wrap:wrap}
.disclaimer{margin-top:28px;font-size:12px;line-height:1.7;color:#7f93b5}
.disclaimer p+p{margin-top:12px}

/* Responsive */
@media (max-width:1024px){
  nav.menu,.nav-cta .phone{display:none}
  .burger{display:flex}
  .hero .wrap{grid-template-columns:1fr;gap:64px;padding-top:56px}
  .hero-visual{max-width:520px;margin:0 auto;width:100%}
  .why,.faq-wrap{grid-template-columns:1fr;gap:40px}
  .agent{grid-template-columns:1fr;padding:40px}
  .f-top{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  .steps,.products{grid-template-columns:1fr}
  .handled,.handled ol{grid-template-columns:1fr}
  .calc{grid-template-columns:1fr}
  .stats .wrap{grid-template-columns:1fr 1fr}
  .stat:nth-child(2){border-right:0}
  .stat:nth-child(-n+2){border-bottom:1px solid var(--slate-200)}
}
@media (max-width:600px){
  .wrap{padding:0 16px}
  .section{padding:64px 0}
  .topbar .tb-left span:last-child{display:none}
  .nav-cta .btn{padding:10px 14px;font-size:14px}
  .why-list{grid-template-columns:1fr}
  .calc-in,.calc-out{padding:28px 20px}
  .agent{padding:32px 22px;border-radius:20px}
  .f-top{grid-template-columns:1fr}
  .cm-box .amt{font-size:24px}
  .hero h1 .hl{white-space:normal}
}

/* Mobile menu */
.mmenu{border-top:1px solid var(--slate-200);background:#fff;padding:8px 16px 16px;display:flex;flex-direction:column}
.mmenu[hidden]{display:none}
.mmenu a{padding:12px 4px;font-weight:600;color:var(--navy);border-bottom:1px solid var(--slate-100)}
.mmenu a:last-child{border-bottom:0}
.mmenu .mmenu-phone{color:var(--blue)}
@media (min-width:1025px){.mmenu{display:none !important}}

/* Keyboard focus */
a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:2px solid var(--blue);outline-offset:2px;border-radius:6px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:8px;z-index:100;background:#fff;padding:8px 12px;border-radius:8px}

/* Simple content pages (404, error, future legal pages) */
.page{max-width:760px;margin:0 auto;padding:96px 24px;min-height:50vh}
.page h1{font-size:clamp(32px,5vw,48px);margin:12px 0 16px}
.page p{color:var(--slate-600);font-size:18px;margin-bottom:28px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none !important;animation:none !important}}

/* ── Inner pages ─────────────────────────────────────────────── */
.page-hero{background:radial-gradient(700px 320px at 85% -20%,var(--blue-100),transparent 60%),var(--slate-50);border-bottom:1px solid var(--slate-200)}
.page-hero .wrap{padding-top:64px;padding-bottom:56px;max-width:var(--maxw)}
.page-hero h1{font-size:clamp(32px,4.6vw,48px);margin:12px 0 12px;font-weight:800}
.page-hero p{color:var(--slate-600);font-size:18px;max-width:720px}
.page-hero p a{color:var(--blue);font-weight:600}
.wrap.narrow{max-width:880px}
.section-title{font-size:clamp(26px,3.4vw,36px);margin:12px 0 32px}

/* Legal */
.legal{padding:56px 0 96px}
.legal-grid{display:grid;grid-template-columns:260px minmax(0,1fr);gap:56px;align-items:start}
.legal-nav{position:sticky;top:96px}
.legal-nav-title{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--slate-500);font-weight:700;margin-bottom:10px}
.legal-nav ul{list-style:none;border-left:2px solid var(--slate-200)}
.legal-nav li a{display:block;padding:8px 14px;margin-left:-2px;border-left:2px solid transparent;color:var(--slate-600);font-weight:500;font-size:15px}
.legal-nav li a:hover{color:var(--navy)}
.legal-nav li a.on{border-left-color:var(--blue);color:var(--blue);font-weight:600}
.legal-help{margin-top:24px;padding:16px;border:1px solid var(--slate-200);border-radius:14px;font-size:14px;color:var(--slate-600)}
.legal-help b{display:block;color:var(--navy);margin-bottom:4px}
.legal-help a{color:var(--blue);font-weight:600}
.legal-body{color:var(--slate-700);font-size:16px;line-height:1.75;min-width:0}
.legal-body h4{font-size:26px;margin:0 0 16px}
.legal-body h5{font-size:19px;margin:28px 0 10px}
.legal-body h6{font-size:17px;margin:32px 0 10px;color:var(--navy)}
.legal-body p{margin:0 0 16px}
.legal-body b,.legal-body strong{color:var(--navy)}
.legal-body a{color:var(--blue);text-decoration:underline;text-underline-offset:2px;word-break:break-word}
.legal-body ul,.legal-body ol{margin:0 0 18px;padding-left:24px}
.legal-body li{margin-bottom:8px}
.legal-body li > br{display:none}
.legal-body ol ol{margin-top:10px}
.legal-body table{width:100%;border-collapse:collapse;margin:8px 0 24px;font-size:14px;line-height:1.5;display:block;overflow-x:auto}
.legal-body th{background:var(--slate-50);color:var(--navy);text-align:left;font-weight:700}
.legal-body th,.legal-body td{border:1px solid var(--slate-200);padding:10px 12px;vertical-align:top}
.legal-body td br{display:none}
.legal-body > br{display:none}

/* Forms (contact, privacy requests) */
.lform{margin-top:24px;display:grid;gap:18px}
.lform-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.lform-row.three{grid-template-columns:1.4fr 1.2fr .8fr}
.lf{display:flex;flex-direction:column;gap:7px;border:0;min-width:0}
.lf label,.lf legend{font-size:14px;font-weight:600;color:var(--slate-700)}
.lf legend{margin-bottom:8px;line-height:1.45}
.lf input[type=text],.lf input[type=email],.lf input[type=tel],.lf input:not([type]),.lf select,.lf textarea{width:100%;height:48px;border:1px solid var(--slate-300);border-radius:12px;padding:0 14px;font:inherit;font-size:16px;color:var(--ink);background:#fff;outline:none}
.lf textarea{height:auto;padding:12px 14px;resize:vertical}
.lf input:focus,.lf select:focus,.lf textarea:focus{border-color:var(--blue);box-shadow:0 0 0 4px var(--blue-50)}
.lf .input-validation-error{border-color:#dc2626 !important;box-shadow:0 0 0 4px #fee2e2 !important}
.lf-err{font-size:13px;color:#dc2626}
.lf-err:empty{display:none}
.lf-choices{display:flex;flex-wrap:wrap;gap:10px}
.lf-check{display:inline-flex;align-items:center;gap:8px;padding:10px 14px;border:1.5px solid var(--slate-200);border-radius:12px;font-weight:500;font-size:15px;color:var(--slate-700);cursor:pointer;background:#fff}
.lf-check input{width:18px;height:18px;accent-color:var(--blue)}
.lf-check:has(input:checked){border-color:var(--blue);background:var(--blue-50);color:var(--blue)}
.lf-note{font-size:13px;line-height:1.6;color:var(--slate-500)}
.lf-note a{color:var(--blue)}
.lform-submit{justify-self:start;min-width:200px}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.form-alert{padding:14px 16px;border-radius:12px;background:#fee2e2;color:#991b1b;font-size:14px}
.form-alert:empty,.form-alert.validation-summary-valid{display:none}
.form-alert ul{margin:0;padding-left:18px}
.form-alert a{color:#991b1b;font-weight:700}
.form-done{margin-top:24px;padding:18px 20px;border-radius:14px;background:#e7f7f0;color:#065f46;font-size:15px}
.form-done b{display:block;color:#065f46}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.contact-h{font-size:clamp(28px,3.6vw,38px);margin:12px 0 28px}
.info-cards{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.info-card{display:flex;gap:14px;padding:20px;border:1px solid var(--slate-200);border-radius:16px;background:#fff;font-size:15px;color:var(--slate-600);line-height:1.6}
.info-card b{display:block;color:var(--navy);font-family:"Plus Jakarta Sans",Inter,sans-serif;margin-bottom:2px}
.info-card a{color:var(--blue);font-weight:600}
.info-card .ic,.doc-card .ic{width:40px;height:40px;border-radius:10px;background:var(--blue-50);color:var(--blue);display:grid;place-items:center;flex-shrink:0}
.info-card .ic svg,.doc-card .ic svg{width:20px;height:20px}
.contact-form-card{background:#fff;border:1px solid var(--slate-200);border-radius:22px;box-shadow:var(--shadow);padding:32px}
.contact-form-card h3{font-size:20px;line-height:1.35}

/* Documents needed */
.doc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.doc-card{background:#fff;border:1px solid var(--slate-200);border-radius:18px;padding:26px;display:flex;flex-direction:column;gap:12px}
.doc-card h3{font-size:19px}
.doc-card p{color:var(--slate-600);font-size:15px;flex:1;white-space:pre-line}
.doc-card .link{font-weight:600;color:var(--blue);display:inline-flex;align-items:center;gap:6px;margin-top:auto;padding-top:8px}
.doc-card .link svg{width:16px;height:16px}

/* FAQ page */
.faq-group{font-size:20px;margin:36px 0 8px}
.faq-group:first-of-type{margin-top:0}
.faq details{border-bottom:1px solid var(--slate-200);padding:20px 0}
.faq details:first-child{border-top:1px solid var(--slate-200)}
.faq details ul{margin:10px 0 0 22px;color:var(--slate-600)}

/* Glossary */
.gl-jump{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:32px}
.gl-jump a{width:40px;height:40px;display:grid;place-items:center;border:1px solid var(--slate-200);border-radius:10px;font-weight:700;color:var(--navy);background:#fff}
.gl-jump a:hover{border-color:var(--blue);color:var(--blue)}
.gl-letter{display:grid;grid-template-columns:56px 1fr;gap:16px;padding:24px 0;border-top:1px solid var(--slate-200);scroll-margin-top:96px}
.gl-letter h3{font-size:30px;color:var(--blue)}
.gl-letter dl{margin:0}
.gl-letter dt{font-weight:700;color:var(--navy);font-size:16px}
.gl-letter dd{margin:4px 0 20px;color:var(--slate-600)}
.gl-letter dd:last-child{margin-bottom:0}

@media (max-width:1024px){
  .legal-grid{grid-template-columns:1fr;gap:28px}
  .legal-nav{position:static}
  .legal-nav ul{display:flex;flex-wrap:wrap;gap:8px;border-left:0}
  .legal-nav li a{border:1px solid var(--slate-200);border-radius:999px;margin:0;padding:6px 12px;font-size:14px}
  .legal-nav li a.on{border-color:var(--blue);background:var(--blue-50)}
  .legal-help{display:none}
  .contact-grid{grid-template-columns:1fr;gap:40px}
  .doc-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .page-hero .wrap{padding-top:40px;padding-bottom:36px}
  .lform-row,.lform-row.three,.info-cards,.doc-grid{grid-template-columns:1fr}
  .contact-form-card{padding:22px}
  .lform-submit{width:100%}
  .gl-letter{grid-template-columns:1fr;gap:8px}
}