/* ============================================================
   BeforeJumboLoan.com — Premium Coastal Concierge Design System
   Multi-market mortgage Strategy Studio
   ============================================================ */

:root {
  /* Coastal palette */
  --white:        #FBFAF7;   /* soft white */
  --sand:         #EDE4D2;   /* warm sand */
  --sand-soft:    #F4EEE2;   /* lighter sand wash */
  --stone:        #D9D2C5;   /* light stone */
  --stone-deep:   #B9AF9D;
  --ocean:        #2E7FA6;   /* ocean blue */
  --ocean-light:  #4FA3C9;
  --ocean-pale:   #E4F0F4;
  --navy:         #0E2A3B;   /* deep navy accent */
  --navy-soft:    #163A4E;
  --ink:          #1C2B33;
  --muted:        #5C6A72;
  --line:         rgba(14, 42, 59, 0.10);
  --line-strong:  rgba(14, 42, 59, 0.18);

  --gold:         #C8A86B;   /* restrained luxury accent */

  --shadow-sm: 0 2px 10px rgba(14,42,59,0.06);
  --shadow-md: 0 10px 30px rgba(14,42,59,0.10);
  --shadow-lg: 0 24px 60px rgba(14,42,59,0.16);

  --radius:    18px;
  --radius-sm: 12px;
  --radius-lg: 28px;

  --maxw: 1180px;
  --ease: cubic-bezier(0.22, 1, 0.36, 1);

  --font-display: "Lora", Georgia, "Times New Roman", serif;
  --font-body: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  color: var(--ink);
  background: var(--white);
  line-height: 1.7;
  font-size: 16.5px;
  letter-spacing: 0.002em;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: hidden;
}
img, svg, video { max-width: 100%; display: block; }
a { color: var(--ocean); text-decoration: none; transition: color .2s var(--ease); }
a:hover { color: var(--navy); }
h1,h2,h3,h4 { font-family: var(--font-display); font-weight: 500; line-height: 1.2; color: var(--navy); letter-spacing: -0.005em; margin: 0 0 .5em; }
h1 { font-size: clamp(2.1rem, 4.2vw, 3.3rem); line-height: 1.16; }
h2 { font-size: clamp(1.7rem, 3.1vw, 2.4rem); }
h3 { font-size: clamp(1.2rem, 1.8vw, 1.42rem); }
p  { margin: 0 0 1.1em; color: var(--ink); }
.lead { font-size: 1.135rem; color: var(--muted); line-height: 1.72; letter-spacing: 0; }

/* ---------- Layout ---------- */
.wrap { width: 100%; max-width: var(--maxw); margin: 0 auto; padding: 0 24px; }
.section { padding: clamp(56px, 8vw, 110px) 0; }
.section--sand { background: linear-gradient(180deg, var(--sand-soft), var(--sand)); }
.section--stone { background: var(--white); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.section--navy { background: var(--navy); color: #DDE7EC; }
.section--navy h1, .section--navy h2, .section--navy h3 { color: #fff; }
.section--navy .lead { color: #AFC2CC; }
.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 600;
  font-size: .76rem;
  letter-spacing: .22em;
  text-transform: uppercase;
  color: var(--ocean);
  margin-bottom: 1rem;
}
.section--navy .eyebrow { color: var(--ocean-light); }
.section-head { max-width: 760px; margin-bottom: clamp(32px, 5vw, 56px); }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55em;
  font-family: var(--font-body); font-weight: 600; font-size: .98rem;
  padding: 15px 30px; border-radius: 999px; border: 1px solid transparent;
  cursor: pointer; transition: transform .25s var(--ease), box-shadow .25s var(--ease), background .25s var(--ease), color .25s var(--ease);
  white-space: nowrap; line-height: 1;
}
.btn--primary { background: var(--ocean); color: #fff; box-shadow: 0 10px 24px rgba(46,127,166,.32); }
.btn--primary:hover { background: var(--navy); color: #fff; transform: translateY(-2px); box-shadow: 0 16px 32px rgba(14,42,59,.3); }
.btn--ghost { background: transparent; color: var(--navy); border-color: var(--line-strong); }
.btn--ghost:hover { background: var(--navy); color: #fff; border-color: var(--navy); transform: translateY(-2px); }
.btn--light { background: rgba(255,255,255,.12); color: #fff; border-color: rgba(255,255,255,.35); backdrop-filter: blur(6px); }
.btn--light:hover { background: #fff; color: var(--navy); transform: translateY(-2px); }
.btn--gold { background: var(--gold); color: #1c1405; }
.btn--gold:hover { background: #d9bd83; transform: translateY(-2px); }
.btn--block { width: 100%; }
.btn--lg { padding: 18px 38px; font-size: 1.05rem; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100;
  background: rgba(251,250,247,.82);
  backdrop-filter: saturate(140%) blur(14px);
  border-bottom: 1px solid var(--line);
  transition: box-shadow .3s var(--ease);
}
.site-header.scrolled { box-shadow: var(--shadow-sm); }
.nav { display: flex; align-items: center; justify-content: space-between; height: 76px; gap: 24px; }
.brand { display: flex; flex-direction: column; line-height: 1; text-decoration: none; }
.brand__name { font-family: var(--font-display); font-weight: 600; font-size: 1.5rem; color: var(--navy); letter-spacing: -.01em; }
.brand__name b { color: var(--ocean); font-weight: 600; }
.brand__tag { font-size: .64rem; letter-spacing: .2em; text-transform: uppercase; color: var(--muted); margin-top: 4px; font-weight: 600; }
.nav__links { display: flex; align-items: center; gap: 28px; list-style: none; margin: 0; padding: 0; }
.nav__links a { color: var(--ink); font-weight: 500; font-size: .95rem; position: relative; }
.nav__links a::after { content:""; position:absolute; left:0; bottom:-6px; height:2px; width:0; background:var(--ocean); transition:width .25s var(--ease); }
.nav__links a:hover::after, .nav__links a.active::after { width:100%; }
.nav__cta { display: flex; align-items: center; gap: 14px; }
.nav__toggle { display:none; background:none; border:none; cursor:pointer; padding:8px; }
.nav__toggle span { display:block; width:24px; height:2px; background:var(--navy); margin:5px 0; transition:.3s var(--ease); border-radius:2px; }
.nav__toggle.open span:nth-child(1){ transform:translateY(7px) rotate(45deg); }
.nav__toggle.open span:nth-child(2){ opacity:0; }
.nav__toggle.open span:nth-child(3){ transform:translateY(-7px) rotate(-45deg); }

@media (max-width: 1024px) {
  .nav__links, .nav__cta .btn { display: none; }   /* both CTAs collapse into the menu */
  .nav__toggle { display: block; }
  .mobile-menu { display: block; }
}
.mobile-menu {
  display: none; position: fixed; inset: 76px 0 0 0; z-index: 99;
  background: var(--white); padding: 28px 24px; transform: translateX(100%);
  transition: transform .35s var(--ease); overflow-y: auto;
}
.mobile-menu.open { transform: translateX(0); }
.mobile-menu a { display: block; padding: 16px 4px; font-family: var(--font-display); font-size: 1.4rem; color: var(--navy); border-bottom: 1px solid var(--line); }
.mobile-menu .btn { margin-top: 22px; }

/* ---------- Hero ---------- */
.hero { position: relative; min-height: 92vh; display: flex; align-items: center; overflow: hidden; color: #fff; }
.hero__bg { position: absolute; inset: 0; z-index: 0; }
.hero__bg::after { content:""; position:absolute; inset:0; background:
   linear-gradient(180deg, rgba(8,28,40,.55) 0%, rgba(8,28,40,.35) 40%, rgba(8,28,40,.72) 100%); }
.hero__inner { position: relative; z-index: 2; padding: clamp(80px,12vh,140px) 0; }
.hero__label { display:inline-block; font-size:.78rem; letter-spacing:.24em; text-transform:uppercase; font-weight:600; color:#cfe6f0; padding:8px 16px; border:1px solid rgba(255,255,255,.3); border-radius:999px; margin-bottom:28px; backdrop-filter: blur(4px); }
.hero h1 { color:#fff; max-width: 16ch; text-shadow: 0 2px 30px rgba(0,0,0,.25); }
.hero__sub { font-size: clamp(1.05rem,1.6vw,1.3rem); max-width: 60ch; color:#e9f1f4; margin: 1.2em 0 1em; line-height:1.6; }
.hero__trust { display:inline-flex; align-items:center; gap:10px; font-size:.95rem; color:#cfe6f0; margin-bottom: 2em; font-weight:500; }
.hero__trust svg { flex:0 0 auto; }
.hero__cta { display:flex; flex-wrap:wrap; gap:16px; }

/* Animated coastal background (CSS only — slow, elegant) */
.coastal-bg { position:absolute; inset:0; background:
   radial-gradient(120% 120% at 20% 10%, #2E7FA6 0%, #14506e 45%, #0E2A3B 100%); }
.coastal-bg__grad {
  position:absolute; inset:-20%;
  background: linear-gradient(120deg, rgba(79,163,201,.45), rgba(14,42,59,0) 40%, rgba(46,127,166,.4) 70%, rgba(14,42,59,0));
  background-size: 200% 200%;
  animation: drift 26s var(--ease) infinite alternate;
  filter: blur(10px);
}
@keyframes drift { 0%{ background-position:0% 50%; transform:scale(1.05);} 100%{ background-position:100% 50%; transform:scale(1.15);} }

/* layered slow waves */
.waves { position:absolute; left:0; right:0; bottom:-2px; width:100%; height:42vh; min-height:240px; z-index:1; }
.waves svg { width:200%; height:100%; }
.wave-layer { animation: wave-move linear infinite; transform-origin:center; }
.wave-1 { animation-duration: 32s; opacity:.30; }
.wave-2 { animation-duration: 46s; opacity:.22; }
.wave-3 { animation-duration: 64s; opacity:.16; }
@keyframes wave-move { from { transform: translateX(0); } to { transform: translateX(-50%); } }
.sheen { position:absolute; inset:0; z-index:1; background:
   radial-gradient(60% 40% at 70% 20%, rgba(255,255,255,.14), transparent 60%);
   animation: sheen 18s ease-in-out infinite alternate; }
@keyframes sheen { from{opacity:.4; transform:translateX(-4%);} to{opacity:.85; transform:translateX(4%);} }

@media (prefers-reduced-motion: reduce) {
  .coastal-bg__grad, .wave-layer, .sheen { animation: none; }
}

/* ---------- Page hero (interior pages) ---------- */
.page-hero { position: relative; color:#fff; padding: clamp(90px,14vh,150px) 0 clamp(60px,8vh,90px); overflow:hidden; }
.page-hero .coastal-bg__grad { animation-duration: 34s; }
.page-hero__inner { position:relative; z-index:2; max-width: 820px; }
.page-hero h1 { color:#fff; }
.page-hero .lead { color:#dceaf0; }
.page-hero::after { content:""; position:absolute; inset:0; background:linear-gradient(180deg, rgba(8,28,40,.55), rgba(8,28,40,.78)); z-index:1; }

/* ---------- Cards ---------- */
.grid { display:grid; gap: 24px; }
.grid--2 { grid-template-columns: repeat(2,1fr); }
.grid--3 { grid-template-columns: repeat(3,1fr); }
.grid--4 { grid-template-columns: repeat(4,1fr); }
@media (max-width: 900px){ .grid--3,.grid--4{ grid-template-columns: repeat(2,1fr);} }
@media (max-width: 600px){ .grid--2,.grid--3,.grid--4{ grid-template-columns: 1fr;} }

.card {
  background:#fff; border:1px solid var(--line); border-radius: var(--radius);
  padding: 30px; box-shadow: var(--shadow-sm);
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s var(--ease);
}
.card:hover { transform: translateY(-5px); box-shadow: var(--shadow-md); border-color: var(--stone); }
.card h3 { margin-bottom:.4em; }
.card p { color: var(--muted); font-size: .98rem; margin-bottom:0; }
.card__icon { width:48px; height:48px; border-radius:12px; background: var(--ocean-pale); color: var(--ocean);
  display:flex; align-items:center; justify-content:center; margin-bottom:18px; }
.card--feature { border:2px solid var(--ocean); position:relative; box-shadow: var(--shadow-md); }
.card--feature::before { content:"Most Reviewed"; position:absolute; top:-13px; left:24px; background:var(--ocean); color:#fff; font-size:.66rem; font-weight:700; letter-spacing:.12em; text-transform:uppercase; padding:5px 12px; border-radius:999px; }
.card__tag { display:inline-block; font-size:.72rem; font-weight:700; letter-spacing:.1em; text-transform:uppercase; color:var(--ocean); margin-bottom:10px; }

/* ---------- Scenario rotating card ---------- */
.scenario-stage { background: var(--navy); border-radius: var(--radius-lg); padding: clamp(32px,5vw,56px); color:#fff; position:relative; overflow:hidden; box-shadow: var(--shadow-lg); }
.scenario-stage::after { content:""; position:absolute; inset:0; background: radial-gradient(60% 80% at 85% 10%, rgba(79,163,201,.35), transparent 60%); pointer-events:none; }
.scenario-card { position:relative; z-index:1; min-height: 150px; }
.scenario-card .quote { font-family: var(--font-display); font-size: clamp(1.4rem,2.6vw,2rem); line-height:1.3; color:#fff; margin:0 0 24px; opacity:0; transform: translateY(12px); transition: opacity .6s var(--ease), transform .6s var(--ease); }
.scenario-card .quote.show { opacity:1; transform: translateY(0); }
.scenario-card .next { display:inline-flex; align-items:center; gap:10px; font-size:.85rem; letter-spacing:.08em; text-transform:uppercase; color:var(--ocean-light); font-weight:600; }
.scenario-dots { display:flex; gap:8px; margin-top:28px; position:relative; z-index:1; }
.scenario-dots button { width:30px; height:4px; border-radius:999px; border:none; background:rgba(255,255,255,.25); cursor:pointer; padding:0; transition:background .3s; }
.scenario-dots button.active { background:var(--ocean-light); }

/* ---------- Forms ---------- */
.form-shell { background:#fff; border:1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(28px,4vw,48px); box-shadow: var(--shadow-md); }
.form-grid { display:grid; grid-template-columns: repeat(2,1fr); gap: 20px; }
@media (max-width:640px){ .form-grid{ grid-template-columns:1fr; } }
.field { display:flex; flex-direction:column; gap:8px; }
.field.full { grid-column: 1 / -1; }
.field label { font-size:.85rem; font-weight:600; color:var(--navy); letter-spacing:.01em; }
.field label .req { color:var(--ocean); }
.field input, .field select, .field textarea {
  font-family: var(--font-body); font-size:1rem; color:var(--ink);
  padding: 13px 15px; border:1px solid var(--line-strong); border-radius: var(--radius-sm);
  background:#fff; transition: border-color .2s, box-shadow .2s; width:100%;
}
.field textarea { resize: vertical; min-height: 120px; }
.field input:focus, .field select:focus, .field textarea:focus { outline:none; border-color:var(--ocean); box-shadow:0 0 0 3px rgba(46,127,166,.15); }
.field--check { flex-direction:row; align-items:center; gap:12px; }
.field--check input { width:auto; }
.form-note { font-size:.85rem; color:var(--muted); margin-top:18px; }
.form-success { display:none; text-align:center; padding: 30px; }
.form-success.show { display:block; }
.form-success__icon { width:64px; height:64px; border-radius:50%; background:var(--ocean-pale); color:var(--ocean); display:flex; align-items:center; justify-content:center; margin:0 auto 20px; }

/* ---------- Table ---------- */
.table-wrap { overflow-x:auto; border:1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); background:#fff; }
table.compare { width:100%; border-collapse:collapse; min-width:620px; }
table.compare th, table.compare td { padding:16px 20px; text-align:left; border-bottom:1px solid var(--line); }
table.compare thead th { background:var(--navy); color:#fff; font-size:.82rem; letter-spacing:.06em; text-transform:uppercase; font-weight:600; }
table.compare tbody tr:hover { background: var(--sand-soft); }
table.compare td:last-child { font-weight:600; color:var(--ocean); }
.disclaimer { font-size:.82rem; color:var(--muted); line-height:1.6; margin-top:18px; max-width:80ch; }

/* ---------- Split / feature rows ---------- */
.split { display:grid; grid-template-columns: 1fr 1fr; gap: clamp(32px,5vw,64px); align-items:center; }
@media (max-width:860px){ .split{ grid-template-columns:1fr; } }
.stat-row { display:flex; flex-wrap:wrap; gap: clamp(24px,4vw,56px); }
.stat { }
.stat__num { font-family:var(--font-display); font-size:2.4rem; color:var(--ocean); line-height:1; }
.stat__lbl { font-size:.85rem; color:var(--muted); text-transform:uppercase; letter-spacing:.08em; margin-top:6px; }

/* ---------- Accordion (Jumbo vs Conforming etc.) ---------- */
.accordion { border:1px solid var(--line); border-radius: var(--radius); overflow:hidden; background:#fff; box-shadow: var(--shadow-sm); }
.acc-item { border-bottom:1px solid var(--line); }
.acc-item:last-child { border-bottom:none; }
.acc-head { width:100%; text-align:left; background:none; border:none; cursor:pointer; padding:22px 26px; font-family:var(--font-display); font-size:1.18rem; color:var(--navy); display:flex; justify-content:space-between; align-items:center; gap:16px; }
.acc-head .ico { flex:0 0 auto; transition: transform .3s var(--ease); color:var(--ocean); }
.acc-item.open .acc-head .ico { transform: rotate(45deg); }
.acc-body { max-height:0; overflow:hidden; transition: max-height .4s var(--ease); }
.acc-body__inner { padding: 0 26px 24px; color:var(--muted); }

/* ---------- CTA band ---------- */
.cta-band { background: linear-gradient(120deg, var(--navy), var(--navy-soft)); color:#fff; border-radius: var(--radius-lg); padding: clamp(40px,6vw,72px); text-align:center; position:relative; overflow:hidden; }
.cta-band::after { content:""; position:absolute; inset:0; background: radial-gradient(50% 80% at 80% 0%, rgba(79,163,201,.4), transparent 60%); }
.cta-band > * { position:relative; z-index:1; }
.cta-band h2 { color:#fff; }
.cta-band p { color:#bcd0da; max-width: 56ch; margin-left:auto; margin-right:auto; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color:#9fb4bf; font-size:.92rem; padding: 64px 0 32px; }
.site-footer h4 { color:#fff; font-family:var(--font-body); font-size:.8rem; letter-spacing:.16em; text-transform:uppercase; margin-bottom:18px; font-weight:600; }
.footer-grid { display:grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; }
@media (max-width:860px){ .footer-grid{ grid-template-columns:1fr 1fr; gap:32px; } }
@media (max-width:520px){ .footer-grid{ grid-template-columns:1fr; } }
.footer-brand .brand__name { color:#fff; font-size:1.5rem; }
.footer-brand .brand__name b { color: var(--ocean-light); }
.footer-brand p { color:#8ba3af; margin-top:14px; max-width: 34ch; }
.site-footer ul { list-style:none; margin:0; padding:0; }
.site-footer ul li { margin-bottom:11px; }
.site-footer a { color:#9fb4bf; }
.site-footer a:hover { color:#fff; }
.footer-powered { color:#7e96a3; margin-top:18px; font-size:.85rem; }
.footer-legal { border-top:1px solid rgba(255,255,255,.12); margin-top:48px; padding-top:28px; }
.footer-legal p { color:#7e96a3; font-size:.8rem; line-height:1.7; }
.footer-disclosures { display:flex; flex-wrap:wrap; gap:8px 22px; margin-bottom:14px; color:#a9bdc7; font-size:.82rem; }
.footer-disclosures span { display:inline-flex; align-items:center; gap:8px; }
.ehl { display:inline-flex; align-items:center; gap:8px; }

/* ---------- Cookie consent ---------- */
.cookie-bar { position:fixed; left:16px; right:16px; bottom:16px; z-index:200; max-width:560px; margin:0 auto;
  background:#fff; border:1px solid var(--line-strong); border-radius: var(--radius); box-shadow: var(--shadow-lg);
  padding:22px 24px; transform: translateY(140%); transition: transform .5s var(--ease); }
.cookie-bar.show { transform: translateY(0); }
.cookie-bar p { font-size:.88rem; color:var(--muted); margin:0 0 16px; }
.cookie-bar a { font-weight:600; }
.cookie-actions { display:flex; gap:12px; flex-wrap:wrap; }
.cookie-actions .btn { padding:11px 22px; font-size:.9rem; }

/* ---------- Misc ---------- */
.reveal { opacity:0; transform: translateY(24px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in { opacity:1; transform:none; }
.center { text-align:center; }
.mt-0{margin-top:0}.mb-0{margin-bottom:0}
.pill-list { display:flex; flex-wrap:wrap; gap:10px; list-style:none; padding:0; margin:18px 0 0; }
.pill-list li { background:#fff; border:1px solid var(--line); border-radius:999px; padding:8px 16px; font-size:.85rem; color:var(--navy); font-weight:500; box-shadow:var(--shadow-sm); }
.note-strip { background: var(--ocean-pale); border-left:3px solid var(--ocean); padding:18px 22px; border-radius:0 var(--radius-sm) var(--radius-sm) 0; color:var(--navy); font-size:.95rem; }
.breadcrumb { font-size:.82rem; color:#bcd0da; margin-bottom:18px; position:relative; z-index:2; }
.breadcrumb a { color:#dceaf0; }
.skip-link { position:absolute; left:-9999px; top:0; background:#fff; padding:10px 16px; z-index:999; }
.skip-link:focus { left:8px; top:8px; }

/* ============================================================
   HERO + HEADER REFINEMENTS (premium pass)
   ============================================================ */

/* --- Cleaner, premium logo (single line) + powered-by trust line --- */
.brand { flex-direction: row; align-items: baseline; flex-wrap: wrap; }
.brand__name { white-space: nowrap; font-size: 1.5rem; letter-spacing: .002em; }
.brand__name b { font-weight: 600; }
.brand__powered { flex-basis: 100%; font-size: .6rem; letter-spacing: .1em; text-transform: uppercase; color: var(--muted); font-weight: 600; margin-top: 3px; line-height: 1.2; }
/* the [hidden] attribute must win over .btn/.state-block display rules */
[data-app-panel] [hidden] { display: none !important; }
[data-app-panel] .state-block { background: #fff8ee; border: 1px solid #e7d6ae; border-left: 3px solid #b5651d; border-radius: 12px; padding: 14px; text-align: left; }
[data-app-panel] .state-block__title { color: #8a4b13; font-weight: 600; margin: 0 0 6px; }
[data-app-panel] .state-block__text { font-size: .82rem; line-height: 1.55; margin: 0 0 12px; }
.footer-brand .brand__powered { color: rgba(255,255,255,.6); }
@media (max-width: 380px){ .brand__name { font-size: 1.3rem; } }

/* --- Hero video background --- */
.hero__video {
  position: absolute; inset: 0; width: 100%; height: 100%;
  object-fit: cover; z-index: 0; opacity: 0;
  transition: opacity 1.4s var(--ease);
}
.hero__video.is-ready { opacity: 1; }
/* If JS is unavailable, don't hide the video — let it show over the gradient */
@media (scripting: none) { .hero__video { opacity: 1; } }
.hero__video--mobile { display: none; }
@media (max-width: 760px) {
  .hero__video--desktop { display: none; }
  .hero__video--mobile { display: block; }
}

/* Navy gradient overlay for readability (replaces the old ::after) */
.hero__bg::after { display: none; }
.hero__overlay {
  position: absolute; inset: 0; z-index: 1; pointer-events: none;
  background:
    linear-gradient(180deg, rgba(8,26,40,.60) 0%, rgba(8,26,40,.38) 40%, rgba(8,26,40,.80) 100%),
    linear-gradient(105deg, rgba(8,26,40,.58) 0%, rgba(8,26,40,.12) 52%, rgba(8,26,40,0) 75%);
}

/* --- Subtler, premium bottom waves --- */
.waves--subtle { height: 22vh; min-height: 120px; z-index: 2; opacity: .9; }
.waves--subtle .wave-1 { opacity: .12; animation-duration: 56s; }
.waves--subtle .wave-2 { opacity: .08; animation-duration: 72s; }

/* --- Two-column hero layout --- */
.hero__inner { z-index: 3; }
.hero__grid {
  display: grid; grid-template-columns: 1.12fr .88fr;
  gap: clamp(40px, 5vw, 72px); align-items: center;
}
.hero__copy h1 { max-width: 15ch; }
.hero__copy .hero__sub { max-width: 46ch; }
@media (max-width: 980px) {
  .hero__grid { grid-template-columns: 1fr; gap: 36px; }
  .hero__copy h1, .hero__copy .hero__sub { max-width: 22ch; }
  .hero__copy .hero__sub { max-width: 52ch; }
}

/* --- Floating premium scenario card --- */
.hero-card {
  position: relative; max-width: 430px; margin-left: auto; width: 100%;
  background: linear-gradient(160deg, rgba(255,255,255,.16), rgba(255,255,255,.07));
  border: 1px solid rgba(255,255,255,.28);
  border-radius: 22px; padding: 30px 30px 26px;
  box-shadow: 0 30px 70px rgba(6,22,34,.45), inset 0 1px 0 rgba(255,255,255,.25);
  backdrop-filter: blur(16px) saturate(140%);
  -webkit-backdrop-filter: blur(16px) saturate(140%);
  color: #fff; animation: cardFloat 7s ease-in-out infinite;
}
@keyframes cardFloat { 0%,100%{ transform: translateY(0); } 50%{ transform: translateY(-9px); } }
@media (prefers-reduced-motion: reduce){ .hero-card{ animation: none; } }
.hero-card__label {
  display: inline-block; font-size: .68rem; font-weight: 600;
  letter-spacing: .2em; text-transform: uppercase; color: #cfe6f0;
  padding-bottom: 14px; border-bottom: 1px solid rgba(255,255,255,.18); margin-bottom: 18px;
}
.hero-card__quote {
  font-family: var(--font-display); font-size: 1.32rem; line-height: 1.38;
  color: #fff; margin: 0 0 22px;
}
.hero-card__review {
  display: flex; flex-direction: column; gap: 5px;
  background: rgba(255,255,255,.10); border: 1px solid rgba(255,255,255,.18);
  border-radius: 14px; padding: 14px 16px; margin-bottom: 18px;
}
.hero-card__rk { font-size: .7rem; letter-spacing: .14em; text-transform: uppercase; color: #aecbd9; }
.hero-card__rv {
  display: inline-flex; align-items: center; gap: 8px;
  font-weight: 600; font-size: 1.02rem; color: #eaf6fb;
}
.hero-card__rv svg { color: var(--ocean-light); flex: 0 0 auto; }
.hero-card__foot { font-size: .8rem; line-height: 1.55; color: #b9cdd8; margin: 0; }
@media (max-width: 980px){ .hero-card { margin: 0 auto; } }

/* ============================================================
   TYPOGRAPHY POLISH (Lora display + Inter UI) — premium/calm
   ============================================================ */

/* Display face: Lora reads calmer with a touch more weight + tight tracking */
h1, h2 { font-weight: 500; }
h3, h4 { font-weight: 600; }

/* Hero headline — smaller, calmer, balanced */
.hero h1 {
  font-size: clamp(2.05rem, 3.6vw, 3.05rem);
  line-height: 1.18;
  letter-spacing: -0.012em;
  font-weight: 500;
  text-shadow: 0 2px 26px rgba(0,0,0,.22);
}
.hero__sub {
  font-size: clamp(1.02rem, 1.3vw, 1.16rem);
  line-height: 1.66;
  letter-spacing: 0;
  color: #e8f1f4;
  margin: 1.1em 0 1.05em;
}

/* Eyebrow / label — clean, letter-spaced, premium (Inter) */
.eyebrow, .hero__label, .card__tag, .hero-card__label, .hero-card__rk {
  font-family: var(--font-body);
}
.hero__label { letter-spacing: .2em; font-weight: 600; }

/* Body copy — refined rhythm */
.card p { line-height: 1.66; }
p { line-height: 1.7; }

/* Buttons — consistent modern UI type */
.btn { font-family: var(--font-body); font-weight: 600; font-size: .95rem; letter-spacing: .006em; }
.btn--lg { font-size: 1.02rem; }

/* Navigation + forms stay on Inter (already), tighten weights */
.nav__links a { font-weight: 500; letter-spacing: .004em; }
.field label { font-family: var(--font-body); letter-spacing: .004em; }
.field input, .field select, .field textarea { font-family: var(--font-body); }

/* Logo — cleaner, single line, calm tracking */
.brand__name { font-family: var(--font-display); font-weight: 600; letter-spacing: 0; }
.brand__name b { font-weight: 600; }

/* Hero scenario card + rotating card quotes use Lora now — keep them measured */
.hero-card__quote { font-weight: 500; letter-spacing: -0.005em; line-height: 1.42; }
.scenario-card .quote { font-weight: 500; letter-spacing: -0.005em; }

/* Section eyebrows a touch smaller/cleaner */
.eyebrow { font-size: .74rem; letter-spacing: .2em; }

/* ============================================================
   MOBILE HERO + HEADER POLISH
   ============================================================ */

/* Header: on mobile, the hamburger holds the CTAs — hide the inline buttons
   so the logo + menu icon never get crowded / cut off. */
@media (max-width: 1024px) {
  .nav__cta .btn { display: none; }
  .nav { gap: 12px; }
}

/* Hero: don't force full-viewport height on phones, so the headline and
   subhead lead instead of scrolling off above the scenario card. */
@media (max-width: 760px) {
  .hero { min-height: auto; }
  .hero__inner { padding: 104px 0 56px; }
  .hero__grid { gap: 26px; }
  .hero h1 { font-size: clamp(1.95rem, 8vw, 2.35rem); line-height: 1.2; }
  .hero__sub { font-size: 1.02rem; }
  .hero__cta { gap: 12px; }
  .hero__cta .btn { width: 100%; }            /* full-width, stacked, calmer */
  .hero-card { padding: 22px 22px 20px; border-radius: 18px; }
  .hero-card__quote { font-size: 1.18rem; }
  .waves--subtle { height: 14vh; min-height: 80px; }
}

/* ============================================================
   HERO "HOW IT WORKS" TRUST CARD (replaces scenario preview)
   ============================================================ */
.hero-card__title {
  font-family: var(--font-display); font-weight: 500; font-size: 1.32rem;
  color: #fff; margin: 0 0 18px; padding-bottom: 16px;
  border-bottom: 1px solid rgba(255,255,255,.18); letter-spacing: -0.005em;
}
.hiw { list-style: none; margin: 0; padding: 0; display: flex; flex-direction: column; gap: 15px; }
.hiw li { display: flex; gap: 14px; align-items: flex-start; }
.hiw__n {
  flex: 0 0 auto; width: 28px; height: 28px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--font-body); font-weight: 600; font-size: .82rem; color: #fff;
  background: rgba(255,255,255,.14); border: 1px solid rgba(255,255,255,.32);
}
.hiw__t { color: #e9f2f6; font-size: .98rem; line-height: 1.46; padding-top: 3px; }

.hero-card__trust {
  list-style: none; margin: 20px 0 22px; padding: 18px 0 0;
  border-top: 1px solid rgba(255,255,255,.18);
  display: flex; flex-direction: column; gap: 10px;
}
.hero-card__trust li { display: flex; align-items: center; gap: 10px; font-size: .9rem; color: #cfe0e8; }
.hero-card__trust li svg { color: var(--ocean-light); flex: 0 0 auto; }

/* CTA inside the card scrolls to the full scenario form (#builder) */
.hero-card .btn--light { margin-top: 2px; }

/* ---------- Mobile hero polish ---------- */
@media (max-width: 760px) {
  .hero { min-height: auto; }
  .hero__inner { padding: 104px 0 60px; }
  .hero__cta { gap: 12px; }
  .hero__cta .btn { width: 100%; }          /* full-width, stacked CTAs */
  .hero-card { margin-top: 30px; padding: 26px 22px 24px; }
}

/* ============================================================
   BEFORE JUMBO — Hero Quick Check + Strategy Studio
   ============================================================ */

/* ---- shared range styling ---- */
input[type="range"]{ -webkit-appearance:none; appearance:none; width:100%; height:6px; border-radius:999px;
  background:rgba(46,127,166,.25); outline:none; accent-color:var(--ocean); cursor:pointer; }
input[type="range"]::-webkit-slider-thumb{ -webkit-appearance:none; width:22px; height:22px; border-radius:50%;
  background:#fff; border:2px solid var(--ocean); box-shadow:0 2px 8px rgba(14,42,59,.3); cursor:pointer; }
input[type="range"]::-moz-range-thumb{ width:22px; height:22px; border-radius:50%; background:#fff; border:2px solid var(--ocean); cursor:pointer; }
input[type="range"]:focus-visible{ box-shadow:0 0 0 3px rgba(46,127,166,.3); }

/* ---- review-path badge (zone-aware) ---- */
.qc__badge{ display:inline-flex; align-items:center; gap:8px; font-family:var(--font-body); font-weight:600;
  font-size:.9rem; padding:8px 15px; border-radius:999px; background:rgba(46,127,166,.16);
  color:#eaf3f7; border:1px solid rgba(255,255,255,.22); }
[data-zone="conforming"] .qc__badge{ background:rgba(86,170,140,.20); border-color:rgba(140,210,180,.5); color:#dff3ea; }
[data-zone="high-balance"] .qc__badge{ background:rgba(79,163,201,.22); border-color:rgba(140,200,225,.5); color:#e7f4fb; }
[data-zone="jumbo"] .qc__badge{ background:rgba(200,168,107,.22); border-color:rgba(220,195,140,.55); color:#f6ecd6; }

/* ---- meter ---- */
.qc__meter{ margin-top:14px; }
.qc__meter-track{ position:relative; height:8px; border-radius:999px; background:rgba(255,255,255,.16); overflow:hidden; }
.qc__meter-fill{ position:absolute; left:0; top:0; bottom:0; width:40%;
  background:linear-gradient(90deg,#7fc8b0,var(--ocean-light) 55%,var(--gold));
  border-radius:999px; transition:width .5s var(--ease); }
.qc__meter-track .qc__tick{ position:absolute; top:-3px; width:2px; height:14px; background:rgba(255,255,255,.55); }
.qc__meter-labels{ display:flex; justify-content:space-between; font-size:.66rem; letter-spacing:.06em; text-transform:uppercase;
  color:#a9c2cf; margin-top:7px; }

/* ---- hero Quick Check card ---- */
.qc .hero-card__title{ margin-bottom:6px; }
.qc__mini{ color:#cfe0e8; font-size:.92rem; margin:0 0 18px; }
.qc__field{ margin-bottom:16px; }
.qc__field label,.qc__lbl{ display:flex; flex-wrap:wrap; align-items:baseline; gap:8px; font-size:.82rem; font-weight:600;
  color:#dbe9f0; margin-bottom:8px; }
.qc__out{ margin-left:auto; font-family:var(--font-display); font-size:1.05rem; color:#fff; }
.qc__pct{ color:var(--ocean-light); font-weight:600; }
.qc__seg{ display:flex; gap:6px; background:rgba(255,255,255,.08); padding:5px; border-radius:14px; }
.qc__seg-btn{ flex:1; padding:9px 6px; border:none; border-radius:10px; background:transparent; color:#dbe9f0;
  font-family:var(--font-body); font-weight:600; font-size:.82rem; cursor:pointer; transition:.2s var(--ease); }
.qc__seg-btn.is-on{ background:#fff; color:var(--navy); box-shadow:0 2px 8px rgba(0,0,0,.18); }
.qc__result{ margin-top:18px; padding-top:18px; border-top:1px solid rgba(255,255,255,.16); }
.qc__loan{ display:flex; justify-content:space-between; align-items:baseline; margin-bottom:12px; }
.qc__loan span{ font-size:.82rem; color:#bcd0da; }
.qc__loan strong{ font-family:var(--font-display); font-size:1.5rem; color:#fff; }
.qc__insight{ font-size:.84rem; color:#cfe0e8; margin:16px 0 8px; min-height:2.4em; }
.qc__ref{ font-size:.72rem; line-height:1.5; color:#9fb6c2; margin:0 0 16px; }

/* ============================================================
   STRATEGY STUDIO PAGE
   ============================================================ */
.glass{ background:#fff; border:1px solid var(--line); border-radius:var(--radius-lg); box-shadow:var(--shadow-md); }
.studio__grid{ display:grid; grid-template-columns:1.25fr .85fr; gap:28px; align-items:start; }
@media (max-width:980px){ .studio__grid{ grid-template-columns:1fr; } }

.studio__main{ padding:clamp(24px,3vw,38px); position:relative; min-height:440px; display:flex; flex-direction:column; }
.studio__progress{ display:flex; align-items:center; gap:16px; margin-bottom:26px; }
.studio__bar{ flex:1; height:6px; border-radius:999px; background:var(--ocean-pale); overflow:hidden; }
.studio__bar span{ display:block; height:100%; background:linear-gradient(90deg,var(--ocean),var(--ocean-light));
  border-radius:999px; transition:width .45s var(--ease); }
.studio__count{ font-size:.8rem; font-weight:600; color:var(--muted); white-space:nowrap; }

.st{ flex:1; }
.st.is-active{ animation:stIn .42s var(--ease); }
@keyframes stIn{ from{ opacity:0; transform:translateY(12px); } to{ opacity:1; transform:none; } }
.st__q{ margin:.2em 0 .2em; }
.st__sub,.st__hint{ color:var(--muted); font-size:.95rem; }
.st__hint{ margin-top:16px; }
.st__hint strong{ color:var(--ocean); }

.opt-grid{ display:grid; grid-template-columns:1fr 1fr; gap:12px; margin-top:18px; }
@media (max-width:520px){ .opt-grid{ grid-template-columns:1fr; } }
.opt{ text-align:left; padding:16px 18px; border:1px solid var(--line-strong); border-radius:var(--radius-sm);
  background:#fff; color:var(--navy); font-family:var(--font-body); font-weight:500; font-size:.98rem; cursor:pointer;
  transition:transform .2s var(--ease), border-color .2s, background .2s, box-shadow .2s; }
.opt:hover{ border-color:var(--ocean); transform:translateY(-2px); box-shadow:var(--shadow-sm); }
.opt.is-sel{ border-color:var(--ocean); background:var(--ocean-pale); box-shadow:0 0 0 2px rgba(46,127,166,.25) inset; }
.opt:focus-visible{ outline:2px solid var(--ocean); outline-offset:2px; }

.st-slider{ margin-top:22px; }
.st-slider__val{ font-family:var(--font-display); font-size:2rem; color:var(--navy); margin-bottom:14px; }
.st-slider__lbl{ display:flex; justify-content:space-between; align-items:baseline; font-size:.86rem; font-weight:600; color:var(--navy); margin-bottom:10px; }
.st-slider__lbl strong{ font-family:var(--font-display); font-size:1.2rem; color:var(--ocean); }
.st-slider__scale{ display:flex; justify-content:space-between; font-size:.74rem; color:var(--muted); margin-top:8px; }

.studio__nav{ display:flex; justify-content:space-between; gap:14px; margin-top:30px; padding-top:22px; border-top:1px solid var(--line); }
.btn--soft{ background:var(--sand-soft); color:var(--navy); border-color:var(--line); }
.btn--soft:hover{ background:var(--sand); transform:translateY(-2px); }

/* result */
.st-result,.st-thanks{ animation:stIn .42s var(--ease); }
.result-card{ background:var(--sand-soft); border:1px solid var(--line); border-radius:var(--radius); padding:24px; margin:18px 0; }
.result-paths{ margin-top:16px; padding-top:16px; border-top:1px solid var(--line); }
.chiprow,.result-paths .chiprow{ display:flex; flex-wrap:wrap; gap:8px; margin-top:10px; }
.chip{ display:inline-block; background:#fff; border:1px solid var(--ocean); color:var(--ocean); border-radius:999px;
  padding:7px 14px; font-size:.85rem; font-weight:600; }
.result-actions{ display:flex; flex-wrap:wrap; gap:12px; margin-top:8px; align-items:center; }
.st-thanks{ text-align:center; }
.st-thanks .form-success__icon{ margin:0 auto 18px; }

/* snapshot panel */
.studio__panel{ display:flex; flex-direction:column; gap:20px; position:sticky; top:96px; }
@media (max-width:980px){ .studio__panel{ position:static; } }
.snap{ padding:24px; }
.snap__title{ font-size:1.1rem; margin:0 0 16px; }
.snap__list{ margin:0; }
.snap__row{ display:flex; justify-content:space-between; gap:14px; padding:9px 0; border-bottom:1px solid var(--line); }
.snap__row:last-child{ border-bottom:none; }
.snap__row dt{ color:var(--muted); font-size:.86rem; }
.snap__row dd{ margin:0; font-weight:600; color:var(--navy); font-size:.9rem; text-align:right; }
.snap__path{ display:flex; flex-direction:column; gap:8px; margin:16px 0 4px; }
.snap__k{ font-size:.72rem; letter-spacing:.12em; text-transform:uppercase; color:var(--muted); }
.snap .qc__badge{ color:var(--navy); background:var(--ocean-pale); border-color:var(--line-strong); align-self:flex-start; }
.snap[data-zone="conforming"] .qc__badge{ background:rgba(86,170,140,.18); border-color:rgba(86,170,140,.5); color:#1f6b54; }
.snap[data-zone="high-balance"] .qc__badge{ background:var(--ocean-pale); border-color:rgba(46,127,166,.45); color:var(--ocean); }
.snap[data-zone="jumbo"] .qc__badge{ background:rgba(200,168,107,.2); border-color:rgba(200,168,107,.6); color:#7a5f25; }
.snap .qc__meter-track{ background:var(--ocean-pale); }
.snap .qc__meter-track .qc__tick{ background:rgba(14,42,59,.35); }
.snap .qc__meter-labels{ color:var(--muted); }
.snap__cx{ display:flex; align-items:center; justify-content:space-between; gap:10px; margin-top:18px; padding-top:16px; border-top:1px solid var(--line); }
.cx-badge{ font-weight:700; font-size:.85rem; padding:6px 13px; border-radius:999px; background:var(--ocean-pale); color:var(--ocean); }
.cx-badge[data-level="0"],.cx-badge[data-level="1"]{ background:rgba(86,170,140,.18); color:#1f6b54; }
.cx-badge[data-level="4"],.cx-badge[data-level="5"]{ background:rgba(200,168,107,.22); color:#7a5f25; }
.cx-badge[data-level="6"],.cx-badge[data-level="7"],.cx-badge[data-level="8"],.cx-badge[data-level="9"]{ background:rgba(176,93,74,.16); color:#9a4a35; }
.snap__cxnote{ font-size:.76rem; color:var(--muted); margin:10px 0 0; }
.snap__insights{ list-style:none; margin:16px 0 0; padding:0; display:flex; flex-direction:column; gap:8px; }
.snap__insights li{ position:relative; padding-left:20px; font-size:.84rem; color:var(--ink); line-height:1.5; }
.snap__insights li::before{ content:""; position:absolute; left:0; top:8px; width:8px; height:8px; border-radius:50%; background:var(--ocean-light); }
.snap__cta{ margin-top:20px; padding-top:18px; border-top:1px solid var(--line); }
.snap__cta p{ font-size:.9rem; color:var(--navy); margin:0 0 12px; font-weight:500; }

/* what-if + path cards */
.whatif{ padding:24px; }
.whatif [data-whatif-body]{ font-size:.96rem; color:var(--ink); line-height:1.6; }
.whatif [data-whatif-body] strong{ color:var(--ocean); }
.whatif .qc__ref{ color:var(--muted); margin-top:12px; }
.pathcards{ padding:24px; }
.pathcards__grid{ display:flex; flex-direction:column; gap:10px; margin-top:6px; }
.pcard{ display:flex; align-items:center; justify-content:space-between; gap:12px; padding:13px 16px;
  border:1px solid var(--line); border-radius:var(--radius-sm); background:#fff; }
.pcard__label{ font-weight:600; color:var(--navy); font-size:.92rem; }
.pcard__status{ font-size:.72rem; font-weight:700; letter-spacing:.04em; text-transform:uppercase; padding:4px 10px; border-radius:999px; white-space:nowrap; }
.pcard[data-status="primary"]{ border-color:var(--ocean); background:var(--ocean-pale); }
.pcard[data-status="primary"] .pcard__status{ background:var(--ocean); color:#fff; }
.pcard[data-status="possible"] .pcard__status{ background:var(--sand); color:var(--navy); }
.pathnotes{ margin-top:14px; }
.pathnote{ font-size:.78rem; color:var(--muted); line-height:1.5; margin:8px 0 0; padding-left:14px; border-left:2px solid var(--stone); }

.studio__compliance{ font-size:.8rem; color:var(--muted); line-height:1.65; max-width:90ch; margin:30px auto 0; text-align:center; }

.field input.is-bad, .field select.is-bad{ border-color:#c0553f; box-shadow:0 0 0 3px rgba(192,85,63,.15); }
.sr-only{ position:absolute; width:1px; height:1px; padding:0; margin:-1px; overflow:hidden; clip:rect(0,0,0,0); white-space:nowrap; border:0; }
.page-hero--studio{ padding-bottom:clamp(40px,6vh,70px); }

@media (prefers-reduced-motion: reduce){
  .st.is-active,.st-result,.st-thanks{ animation:none; }
  .qc__meter-fill,.studio__bar span{ transition:none; }
}

/* ---- hero quick-check secondary action ---- */
.qc__send{ display:block; text-align:center; margin-top:12px; font-size:.86rem; font-weight:600;
  color:#cfe0e8; text-decoration:underline; text-underline-offset:3px; }
.qc__send:hover{ color:#fff; }

/* ---- next-best question ---- */
.st__nbq{ margin:22px 0 0; padding:14px 16px; background:var(--ocean-pale); border-radius:var(--radius-sm);
  color:var(--navy); font-size:.92rem; font-weight:500; border-left:3px solid var(--ocean); }

/* ---- advanced details + consent ---- */
.adv{ margin-top:22px; border:1px solid var(--line); border-radius:var(--radius-sm); padding:0 16px; background:var(--sand-soft); }
.adv summary{ cursor:pointer; padding:14px 0; font-weight:600; color:var(--navy); font-size:.95rem; list-style:none; display:flex; align-items:center; gap:8px; }
.adv summary::-webkit-details-marker{ display:none; }
.adv summary::before{ content:"+"; display:inline-flex; width:20px; height:20px; align-items:center; justify-content:center;
  border:1px solid var(--ocean); color:var(--ocean); border-radius:50%; font-weight:700; }
.adv[open] summary::before{ content:"–"; }
.adv .form-grid{ padding-bottom:18px; }
.consent{ display:flex; gap:12px; align-items:flex-start; margin-top:22px; font-size:.86rem; color:var(--ink); line-height:1.55; }
.consent input{ margin-top:3px; width:18px; height:18px; flex:0 0 auto; accent-color:var(--ocean); }

/* ---- attention items / next steps ---- */
.result-attention{ margin-top:16px; padding-top:16px; border-top:1px solid var(--line); }
.next-steps{ text-align:left; max-width:380px; margin:22px auto; background:var(--sand-soft); border:1px solid var(--line); border-radius:var(--radius); padding:20px 24px; }
.next-steps ol{ margin:10px 0 0; padding-left:20px; }
.next-steps li{ margin-bottom:8px; color:var(--ink); }

/* ---- mobile bottom bar ---- */
.studio-mbar{ position:fixed; left:0; right:0; bottom:0; z-index:90; display:none;
  align-items:center; justify-content:space-between; gap:14px; padding:12px 16px;
  background:rgba(251,250,247,.96); backdrop-filter:blur(10px); border-top:1px solid var(--line-strong);
  box-shadow:0 -6px 20px rgba(14,42,59,.12); }
.studio-mbar__txt{ font-size:.85rem; font-weight:600; color:var(--navy); }
.studio-mbar .btn{ padding:12px 24px; }
@media (max-width:760px){
  .studio-mbar:not([hidden]){ display:flex; }
  .studio-section{ padding-bottom:84px; }
  .studio__panel{ order:2; }
}

@media (prefers-reduced-motion: reduce){ .studio-mbar{ transition:none; } }

/* ============================================================
   AI Strategy Explainer (result page)
   ============================================================ */
.result-ai {
  margin-top: 18px;
  padding: 20px 22px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: linear-gradient(180deg, var(--ocean-pale), var(--white));
}
.result-ai__head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 12px;
  margin-bottom: 10px;
}
.ai-badge {
  font-size: 0.7rem;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  padding: 4px 10px;
  border-radius: 999px;
  color: var(--ocean);
  background: rgba(46, 127, 166, 0.12);
  border: 1px solid rgba(46, 127, 166, 0.28);
}
.result-ai__body {
  color: var(--ink);
  font-size: 0.98rem;
  line-height: 1.6;
}
.result-ai__body p { margin: 0 0 10px; }
.result-ai__body p:last-child { margin-bottom: 0; }
.result-ai__loading { color: var(--muted); font-style: italic; }
.result-ai .btn { margin-top: 14px; }
.result-ai__note {
  margin: 12px 0 0;
  font-size: 0.78rem;
  color: var(--muted);
}

/* ============================================================
   Placeholder / stub content pages
   ============================================================ */
.page-stub__notice {
  margin: 0 0 26px;
  padding: 12px 16px;
  border: 1px dashed var(--stone-deep);
  border-radius: var(--radius-sm);
  background: var(--sand-soft);
  color: var(--muted);
  font-size: 0.9rem;
}
.page-stub__body h2 { font-family: var(--font-display); font-size: 1.4rem; margin: 30px 0 10px; color: var(--navy); }
.page-stub__body p { color: var(--ink); line-height: 1.7; margin: 0 0 12px; }
.page-stub__body ul { color: var(--ink); line-height: 1.8; padding-left: 20px; }
.page-stub__body a { color: var(--ocean); }

/* ============================================================
   Property location selector + county loan-limit reference
   ============================================================ */
.snap__limit { margin: 14px 0 4px; padding-top: 14px; border-top: 1px solid var(--line); }
.snap__limitline { display: flex; align-items: baseline; gap: 10px; flex-wrap: wrap; margin-top: 4px; }
.snap__limitval { font-family: var(--font-display); font-size: 1.15rem; color: var(--navy); font-weight: 600; }
.snap__delta { font-size: 0.82rem; font-weight: 600; color: var(--ocean); }
.snap__delta[data-over="yes"] { color: #b5651d; }
.snap__delta[data-over="no"] { color: #3a7d44; }
.snap__refnote { margin: 8px 0 0; font-size: 0.72rem; line-height: 1.5; color: var(--muted); }
[data-snap-location] { font-weight: 600; }
#st-county-free { margin-top: 8px; }
.snap__fha { margin-top: 4px; font-size: 0.82rem; color: var(--ocean); font-weight: 600; }
.snap__limitval[data-verify="yes"] { color: #b5651d; }