/* Layout shell */
.container {
  max-width: var(--content-max);
  margin-inline: auto;
  padding-inline: var(--space-sm);
}
.prose { max-width: var(--prose-max); }
.section { padding-block: var(--space-2xl); }
.section--tight { padding-block: var(--space-xl); }
.section--mist { background: var(--mist); }
.section--navy { background: var(--navy-deep); color: #fff; }
.section--navy h1, .section--navy h2, .section--navy h3 { color: #fff; }
.eyebrow {
  display: block;
  font-size: var(--step--1);
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gold-ink);
  margin-bottom: var(--space-xs);
}
.section--navy .eyebrow { color: var(--gold); }

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  gap: 0.5em;
  font-weight: 600;
  font-size: var(--step--1);
  padding: 0.85em 1.5em;
  border-radius: var(--radius-sm);
  border: 1px solid transparent;
  cursor: pointer;
  text-decoration: none;
  line-height: 1;
  transition: background-color 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}
.btn--primary { background: var(--gold); color: var(--navy-deep); }
.btn--primary:hover { background: var(--gold-deep); color: #fff; }
.btn--secondary { background: transparent; color: #fff; border-color: rgba(255,255,255,0.55); }
.btn--secondary:hover { border-color: #fff; color: var(--gold); }
.btn--outline { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn--outline:hover { background: var(--navy); color: #fff; }
.btn--phone { color: inherit; font-family: var(--font-mono); font-weight: 600; }

/* Sticky wrapper — keeps the contact bar + nav frozen together while scrolling */
.site-topband {
  position: sticky;
  top: 0;
  z-index: 100;
}

/* Top utility bar — contact info, sits above the main header */
.topbar {
  background: var(--ink);
  color: rgba(255,255,255,0.85);
  font-size: var(--step-0);
}
.topbar__row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  padding-block: 0.75rem;
}
.topbar__contact {
  display: flex;
  list-style: none;
  margin: 0; padding: 0;
  gap: var(--space-md);
}
.topbar__contact a {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
}
.topbar__contact a:hover { color: var(--gold); }
.topbar__phone { font-weight: 700; font-size: var(--step-1); color: #fff; }
.topbar__phone .topbar__icon { width: 20px; height: 20px; }
.topbar__icon { width: 16px; height: 16px; flex: none; }
.topbar__licensed { margin: 0; color: rgba(255,255,255,0.6); white-space: nowrap; }

@media (max-width: 700px) {
  .topbar__email, .topbar__licensed { display: none; }
}

/* Site header */
.site-header {
  background: rgba(16, 49, 79, 0.92);
  color: #fff;
}
.site-header__bar {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-md);
  padding-block: 0.85rem;
}
.site-header__logo { display: flex; align-items: center; gap: 0.6rem; color: #fff; text-decoration: none; flex: none; }
.site-header__logo img { height: 40px; width: auto; }
.site-header__logo-text { font-family: var(--font-display); font-size: var(--step-1); font-weight: 600; white-space: nowrap; }

.site-nav { display: flex; align-items: center; gap: var(--space-sm); min-width: 0; }
.site-nav__list {
  display: flex;
  list-style: none;
  margin: 0; padding: 0;
  gap: 1.1rem;
  font-size: var(--step--1);
}
.site-nav__list a {
  display: inline-block;
  white-space: nowrap;
  color: rgba(255,255,255,0.85);
  text-decoration: none;
  padding: 0.4em 0;
  border-bottom: 2px solid transparent;
}
.site-nav__list a:hover, .site-nav__list a[aria-current="page"] {
  color: #fff;
  border-bottom-color: var(--gold);
}
.site-header__actions { display: flex; align-items: center; gap: var(--space-sm); flex: none; }
.site-header__actions .btn { white-space: nowrap; }
.nav-toggle {
  display: none;
  background: none; border: 0; color: #fff; cursor: pointer;
  padding: 0.5rem;
}

@media (max-width: 1180px) {
  .site-nav { position: fixed; inset: 64px 0 0 0; background: var(--navy-deep); flex-direction: column;
    align-items: stretch; padding: var(--space-lg) var(--space-sm); transform: translateY(-8px);
    opacity: 0; pointer-events: none; transition: opacity 0.15s ease, transform 0.15s ease; }
  .site-nav.is-open { opacity: 1; transform: translateY(0); pointer-events: auto; }
  .site-nav__list { flex-direction: column; gap: var(--space-md); font-size: var(--step-1); }
  .nav-toggle { display: inline-flex; }
}

/* Hero */
.hero {
  position: relative;
  color: #fff;
  background:
    radial-gradient(120% 140% at 12% 0%, rgba(196, 149, 62, 0.18) 0%, rgba(196, 149, 62, 0) 45%),
    linear-gradient(160deg, rgba(16, 49, 79, 0.9) 0%, rgba(27, 71, 110, 0.86) 100%),
    var(--hero-image, none) center / cover no-repeat,
    linear-gradient(160deg, var(--navy-deep) 0%, var(--navy) 100%);
}
.hero__content { position: relative; padding-block: var(--space-2xl) var(--space-xl); max-width: 46rem; }

/* Hero payment estimator (the homepage's signature interactive element) */
.estimator {
  margin-top: var(--space-lg);
  padding: var(--space-lg);
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: var(--radius);
  backdrop-filter: blur(8px);
}
.estimator__field + .estimator__field { margin-top: var(--space-md); }
.estimator__field-row { display: flex; justify-content: space-between; align-items: baseline; gap: var(--space-sm); margin-bottom: 0.4rem; }
.estimator__field-row label { font-size: var(--step--1); color: rgba(255, 255, 255, 0.75); }
.estimator__field-value { font-family: var(--font-mono); font-weight: 600; color: #fff; white-space: nowrap; }
.estimator input[type="range"] {
  width: 100%;
  appearance: none;
  height: 4px;
  border-radius: 2px;
  background: rgba(255, 255, 255, 0.25);
  border: none;
  padding: 0;
}
.estimator input[type="range"]::-webkit-slider-thumb {
  appearance: none;
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: 2px solid var(--navy-deep);
}
.estimator input[type="range"]::-moz-range-thumb {
  width: 18px;
  height: 18px;
  border-radius: 50%;
  background: var(--gold);
  cursor: pointer;
  border: 2px solid var(--navy-deep);
}
.estimator__result {
  display: block;
  margin-top: var(--space-lg);
  padding-top: var(--space-lg);
  border-top: 1px solid rgba(255, 255, 255, 0.15);
}
.estimator__result-label { display: block; font-size: var(--step--1); color: rgba(255, 255, 255, 0.75); }
.estimator__result-value {
  display: block;
  font-family: var(--font-mono);
  font-variant-numeric: tabular-nums;
  font-size: var(--step-3);
  font-weight: 600;
  color: var(--gold);
  line-height: 1.15;
}
.estimator__result-note { display: block; margin-top: 0.4rem; font-size: var(--step--1); color: rgba(255, 255, 255, 0.6); }
.estimator__result-note a { color: rgba(255, 255, 255, 0.85); }
@media (max-width: 560px) { .estimator { padding: var(--space-md); } }
.hero__eyebrow { color: var(--gold); }
.hero h1 { color: #fff; font-size: var(--step-4); }
.hero__lede { font-size: var(--step-1); color: rgba(255,255,255,0.9); max-width: 34rem; }
.hero__actions { display: flex; flex-wrap: wrap; align-items: center; gap: var(--space-md); margin-top: var(--space-md); }

/* Loan finder (signature interactive section) */
.loan-finder__toggles {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-sm) var(--space-lg);
  list-style: none;
  padding: 0; margin: var(--space-md) 0;
}
.loan-finder__toggle {
  font-family: var(--font-display);
  font-size: var(--step-2);
  background: none;
  border: none;
  border-bottom: 3px solid var(--hairline);
  padding-bottom: 0.15em;
  color: var(--slate);
  cursor: pointer;
  transition: color 0.15s ease, border-color 0.15s ease;
}
.loan-finder__toggle:hover { color: var(--navy); }
.loan-finder__toggle[aria-pressed="true"] {
  color: var(--navy-deep);
  border-bottom-color: var(--gold);
}
.loan-finder__result { margin-top: var(--space-lg); }
.loan-finder__result p { font-size: var(--step-1); margin-bottom: var(--space-sm); }
.loan-finder__result-actions { display: flex; align-items: center; gap: var(--space-md); flex-wrap: wrap; }
.loan-finder__info-link { font-weight: 600; color: var(--navy); text-decoration: underline; text-underline-offset: 0.15em; }
.loan-finder__result[hidden] { display: none; }

/* Program grid — hairline, typography-led, no shadowed tiles */
.program-grid { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); border-top: 1px solid var(--hairline); }
.program-card {
  border-bottom: 1px solid var(--hairline);
  border-right: 1px solid var(--hairline);
  padding: var(--space-md);
  text-decoration: none;
  color: inherit;
  display: flex;
  flex-direction: column;
  gap: 0.4rem;
  transition: background-color 0.15s ease;
}
.program-grid > :nth-child(3n) { border-right: none; }
.program-card:hover { background: var(--mist); color: inherit; }
.program-card__icon { color: var(--gold-deep); }
.program-card__name { font-family: var(--font-display); font-size: var(--step-1); color: var(--navy-deep); font-weight: 600; }
.program-card__desc { color: var(--slate); font-size: var(--step--1); }
.program-card__arrow { margin-top: auto; color: var(--gold-deep); font-weight: 600; font-size: var(--step--1); }

@media (max-width: 900px) {
  .program-grid { grid-template-columns: 1fr 1fr; }
  .program-grid > :nth-child(3n) { border-right: 1px solid var(--hairline); }
  .program-grid > :nth-child(2n) { border-right: none; }
}
@media (max-width: 560px) {
  .program-grid { grid-template-columns: 1fr; }
  .program-grid > * { border-right: none !important; }
}

/* Numbered process (legitimate sequence) */
.process-list { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(6, 1fr); gap: var(--space-md); counter-reset: step; }
.process-step { counter-increment: step; }
.process-step__num {
  font-family: var(--font-display);
  font-size: var(--step-2);
  color: var(--hairline);
  -webkit-text-stroke: 1.5px var(--gold-deep);
  color: transparent;
}
.process-step__label { font-weight: 600; margin-top: 0.4rem; }
@media (max-width: 900px) { .process-list { grid-template-columns: repeat(2, 1fr); } }

/* Billboard homepage banner */
.billboard-banner {
  display: block;
  background: var(--gold);
  color: var(--navy-deep);
  text-align: center;
  text-decoration: none;
  padding: 0.65rem var(--space-sm);
  font-size: var(--step--1);
}
.billboard-banner:hover { background: var(--gold-deep); color: var(--navy-deep); }
.billboard-banner__text strong { font-family: var(--font-display); }

/* Billboard landing page */
.billboard-hero { padding-block: var(--space-2xl) var(--space-xl); }
.billboard-hero__accent { color: var(--gold); }
.billboard-hero__badges {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-sm) var(--space-lg);
  list-style: none;
  margin: var(--space-lg) 0 var(--space-xs);
  padding: 0;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: var(--step-0);
  color: #fff;
}
.billboard-hero__badges li { display: flex; align-items: center; gap: 0.5em; }
.billboard-hero__badges li::before {
  content: "";
  width: 8px; height: 8px;
  border-radius: 2px;
  background: var(--gold);
  flex: none;
}
.billboard-hero__disclosure { font-size: var(--step--1); color: rgba(255,255,255,0.6); max-width: 42rem; }

/* Split media + copy (image on one side, prose on the other) */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-xl); align-items: center; }
.split__media img { display: block; width: 100%; height: auto; border-radius: var(--radius-sm); }
@media (max-width: 800px) { .split { grid-template-columns: 1fr; } }

/* Pull-quote / why-us */
.pull-quote {
  font-family: var(--font-display);
  font-size: var(--step-2);
  font-weight: 500;
  line-height: 1.4;
  max-width: 44rem;
  border-left: 3px solid var(--gold);
  padding-left: var(--space-md);
}

/* Testimonials (built, hidden until real reviews exist) */
.testimonials[data-empty="true"] { display: none; }
.testimonial-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-md); list-style: none; padding: 0; margin: 0; }
.testimonial { border: 1px solid var(--hairline); border-radius: var(--radius); padding: var(--space-md); }
.testimonial__quote { font-size: var(--step-0); }
.testimonial__name { color: var(--slate); font-size: var(--step--1); margin-top: var(--space-sm); }

/* Final CTA */
.final-cta { text-align: center; }
.final-cta h2 { color: #fff; }
.final-cta__actions { display: flex; justify-content: center; flex-wrap: wrap; gap: var(--space-md); margin-top: var(--space-md); }

/* Footer */
.site-footer { background: var(--navy-deep); color: rgba(255,255,255,0.85); }
.site-footer a { color: #fff; }
.site-footer__grid { display: grid; grid-template-columns: 1.3fr repeat(4, 1fr); gap: var(--space-lg); padding-block: var(--space-xl); }
.site-footer__list { list-style: none; padding: 0; margin: 0; display: grid; gap: 0.5rem; font-size: var(--step--1); }
.site-footer__heading { font-size: var(--step--1); text-transform: uppercase; letter-spacing: 0.1em; color: var(--gold); margin-bottom: var(--space-sm); }
.disclosure-bar { border-top: 1px solid rgba(255,255,255,0.15); padding-block: var(--space-md); font-size: var(--step--1); color: rgba(255,255,255,0.7); }
.disclosure-bar__row { display: flex; align-items: center; gap: var(--space-md); flex-wrap: wrap; justify-content: space-between; }
.disclosure-bar img { height: 42px; width: auto; }
@media (max-width: 1100px) { .site-footer__grid { grid-template-columns: 1fr 1fr 1fr; } }
@media (max-width: 700px) { .site-footer__grid { grid-template-columns: 1fr 1fr; } }

/* Cards used for team/articles/calculators listing */
.tile-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: var(--space-lg); list-style: none; padding: 0; margin: 0; }
.tile { text-decoration: none; color: inherit; }
.tile__media { aspect-ratio: 4/3; background: var(--mist); border-radius: var(--radius); overflow: hidden; margin-bottom: var(--space-sm); display: flex; align-items: center; justify-content: center; }
.tile__media img { width: 100%; height: 100%; object-fit: cover; }
.tile__avatar {
  font-family: var(--font-display); font-size: var(--step-3); font-weight: 600; color: var(--navy);
  width: 100%; height: 100%; display: flex; align-items: center; justify-content: center; background: var(--mist);
}
.tile h3 { margin-bottom: 0.2rem; }
.tile__meta { color: var(--slate); font-size: var(--step--1); }
@media (max-width: 900px) { .tile-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .tile-grid { grid-template-columns: 1fr; } }

/* Forms */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: var(--space-md); }
.form-field { display: flex; flex-direction: column; gap: 0.35rem; }
.form-field--full { grid-column: 1 / -1; }
.form-field label { font-weight: 600; font-size: var(--step--1); }
.form-field .hint { color: var(--slate); font-size: var(--step--1); }
input, select, textarea {
  font: inherit;
  padding: 0.7em 0.85em;
  border: 1px solid var(--hairline);
  border-radius: var(--radius-sm);
  background: #fff;
  color: var(--ink);
}
input:focus, select:focus, textarea:focus { border-color: var(--navy); }
fieldset { border: 1px solid var(--hairline); border-radius: var(--radius-sm); padding: var(--space-sm); }
legend { font-weight: 600; padding-inline: 0.4rem; }
.radio-row { display: flex; gap: var(--space-md); align-items: center; }
.radio-row label, .checkbox-label { display: flex; align-items: center; gap: 0.35rem; font-weight: 400; }
.checkbox-label { align-items: flex-start; gap: 0.5rem; }
.checkbox-label input { margin-top: 0.2em; }
.radio-legend { font-weight: 600; font-size: var(--step--1); }
.form-error { color: var(--alert); font-size: var(--step--1); margin-top: 0.3rem; }
.form-success { border: 1px solid var(--success); background: rgba(30,107,69,0.08); color: var(--success); padding: var(--space-md); border-radius: var(--radius-sm); }
@media (max-width: 700px) { .form-grid { grid-template-columns: 1fr; } }

/* Calculator shell */
.calculator {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr);
  gap: var(--space-xl);
  align-items: start;
}
.calculator__result {
  background: var(--navy-deep);
  color: #fff;
  border-radius: var(--radius);
  padding: var(--space-lg);
  position: sticky;
  top: 6rem;
}
.calculator__figure { font-family: var(--font-mono); font-variant-numeric: tabular-nums; font-size: var(--step-4); color: var(--gold); }
.calculator__figure-label { color: rgba(255,255,255,0.75); font-size: var(--step--1); }
.calculator__breakdown { list-style: none; padding: 0; margin-top: var(--space-md); font-family: var(--font-mono); font-size: var(--step--1); }
.calculator__breakdown li { display: flex; justify-content: space-between; padding-block: 0.35rem; border-bottom: 1px solid rgba(255,255,255,0.12); }
.calculator__cta { margin-top: var(--space-lg); padding-top: var(--space-lg); border-top: 1px solid rgba(255,255,255,0.15); }
.calculator__cta-note { margin: 0.6rem 0 0; color: rgba(255,255,255,0.6); font-size: var(--step--1); }
@media (max-width: 900px) { .calculator { grid-template-columns: 1fr; } .calculator__result { position: static; } }

/* Breadcrumbs */
.breadcrumbs { font-size: var(--step--1); color: var(--slate); margin-bottom: var(--space-md); }
.breadcrumbs a { color: var(--slate); }
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 0.4em; padding: 0; margin: 0; }
.breadcrumbs li:not(:last-child)::after { content: "/"; margin-left: 0.4em; color: var(--hairline); }

/* Learning center search */
.learning-search { max-width: 26rem; margin-bottom: var(--space-lg); }