/* ===========================================================
   CALL YOUR MORTGAGE GUY — Tim Slominski
   Friendly, phone-forward, coastal-Florida warmth
   APM-anchored trust, distinct from Daco editorial navy
   =========================================================== */

:root {
  /* Coastal-Florida palette — ocean teal + warm gold + sand */
  --ocean-deep:   #06283d;
  --ocean:        #0b3d5c;
  --ocean-mid:    #10577e;
  --ocean-bright: #1789a6;
  --teal:         #17a2a8;
  --gold:         #f5a623;
  --gold-soft:    #ffd787;
  --gold-deep:    #c9791a;
  --coral:        #ef6f53;
  --ink:          #1a2530;
  --slate:        #57646f;
  --muted:        #8794a0;
  --line:         #e4ddd0;
  --line-soft:    #efe9dd;
  --sand:         #fbf7ee;
  --sand-2:       #f4eddd;
  --white:        #ffffff;

  --shadow-sm: 0 1px 2px rgba(6, 40, 61, 0.06), 0 2px 6px rgba(6, 40, 61, 0.04);
  --shadow-md: 0 6px 20px rgba(6, 40, 61, 0.10), 0 2px 6px rgba(6, 40, 61, 0.05);
  --shadow-lg: 0 20px 52px rgba(6, 40, 61, 0.16);
  --shadow-gold: 0 8px 22px rgba(245, 166, 35, 0.30);

  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --radius: 8px;
  --radius-lg: 18px;
  --radius-pill: 100px;

  --container-max: 1280px;
  --gutter: clamp(20px, 4vw, 56px);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.62;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: var(--ocean-bright); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--ocean); }

.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 600; line-height: 1.1; color: var(--ocean-deep); margin: 0 0 .5em; }

.skip-link {
  position: absolute; left: -999px; top: 0; z-index: 200;
  background: var(--gold); color: var(--ocean-deep);
  padding: 10px 18px; font-weight: 600; border-radius: 0 0 var(--radius) 0;
}
.skip-link:focus { left: 0; }

.eyebrow {
  font-family: var(--font-body);
  text-transform: uppercase;
  letter-spacing: 0.18em;
  font-size: 12px;
  font-weight: 700;
  color: var(--gold-deep);
  margin-bottom: 14px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
}
.eyebrow::before {
  content: "";
  width: 26px; height: 2px;
  background: var(--gold);
  display: inline-block;
}

.section { padding: clamp(64px, 8vw, 108px) 0; }
.section-head { max-width: 720px; margin-bottom: 48px; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }
.section-head h2 { font-size: clamp(30px, 4vw, 46px); }
.section-head p { font-size: 18px; color: var(--slate); margin: 0; }

/* =========================================================
   BUTTONS
   ========================================================= */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: var(--font-body); font-weight: 600; font-size: 15px;
  padding: 14px 26px; border-radius: var(--radius-pill);
  border: 2px solid transparent; cursor: pointer; transition: all .22s ease;
  letter-spacing: 0.01em;
}
.btn-gold { background: var(--gold); color: var(--ocean-deep); box-shadow: var(--shadow-gold); }
.btn-gold:hover { background: #ffb739; color: var(--ocean-deep); transform: translateY(-2px); box-shadow: 0 12px 28px rgba(245,166,35,.42); }
.btn-ocean { background: var(--ocean); color: #fff; }
.btn-ocean:hover { background: var(--ocean-deep); color:#fff; transform: translateY(-2px); }
.btn-ghost { background: transparent; color: var(--ocean); border-color: var(--ocean); }
.btn-ghost:hover { background: var(--ocean); color: #fff; }
.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.55); }
.btn-ghost-light:hover { background: #fff; color: var(--ocean-deep); }
.btn-lg { padding: 17px 34px; font-size: 16px; }
.btn-block { width: 100%; }

/* =========================================================
   ANNOUNCEMENT BAR
   ========================================================= */
.announce { background: var(--ocean-deep); color: #cfe4ee; font-size: 13px; }
.announce-inner {
  max-width: var(--container-max); margin: 0 auto;
  padding: 9px var(--gutter);
  display: flex; flex-wrap: wrap; gap: 10px 18px;
  align-items: center; justify-content: center;
}
.announce-label {
  font-family: var(--font-display); font-weight: 600; color: var(--gold);
  text-transform: uppercase; letter-spacing: 0.16em; font-size: 11px;
}
.announce-text { color: #a9c6d5; }
.announce-link { color: var(--gold-soft); font-weight: 600; border-bottom: 1px solid rgba(245,166,35,.4); padding-bottom: 1px; }
.announce-link:hover { color: #fff; border-color: #fff; }

/* =========================================================
   NAV
   ========================================================= */
.nav {
  position: sticky; top: 0; z-index: 60;
  background: rgba(255,255,255,0.93);
  backdrop-filter: saturate(150%) blur(14px);
  -webkit-backdrop-filter: saturate(150%) blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  max-width: var(--container-max); margin: 0 auto;
  padding: 13px var(--gutter);
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
}
.brand { display: flex; align-items: center; gap: 13px; }
.brand-mark {
  width: 46px; height: 46px; flex: 0 0 46px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--ocean) 0%, var(--ocean-bright) 100%);
  display: grid; place-items: center;
  color: var(--gold); position: relative;
  box-shadow: var(--shadow-sm);
}
.brand-mark i { font-size: 20px; }
.brand-text { display: flex; flex-direction: column; line-height: 1.05; }
.brand-name { font-family: var(--font-display); font-weight: 700; font-size: 18px; color: var(--ocean-deep); letter-spacing: -0.01em; }
.brand-sub { font-size: 10.5px; text-transform: uppercase; letter-spacing: 0.16em; color: var(--gold-deep); font-weight: 700; }
.nav-links { display: flex; align-items: center; gap: 26px; }
.nav-links a { color: var(--ink); font-weight: 500; font-size: 15px; position: relative; }
.nav-links a::after { content:""; position:absolute; left:0; bottom:-6px; width:0; height:2px; background:var(--gold); transition:width .22s ease; }
.nav-links a:hover { color: var(--ocean); }
.nav-links a:hover::after { width: 100%; }
.nav-actions { display: flex; align-items: center; gap: 12px; }
.nav-phone { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; color: var(--ocean); font-size: 15px; }
.nav-phone i { color: var(--gold-deep); }
.nav-cta { padding: 11px 22px; font-size: 14px; }
.nav-toggle { display: none; background: none; border: none; cursor: pointer; color: var(--ocean-deep); font-size: 24px; }

/* =========================================================
   HERO
   ========================================================= */
.hero {
  position: relative;
  background:
    radial-gradient(120% 90% at 82% 0%, rgba(23,162,168,0.14), transparent 55%),
    linear-gradient(160deg, var(--sand) 0%, var(--sand-2) 100%);
  overflow: hidden;
}
.hero::before {
  content:""; position:absolute; inset:0;
  background-image: radial-gradient(rgba(6,40,61,0.05) 1px, transparent 1px);
  background-size: 22px 22px; opacity:.6; pointer-events:none;
}
.hero-grid {
  position: relative; z-index: 2;
  display: grid; grid-template-columns: 1.05fr 0.95fr;
  gap: clamp(32px, 5vw, 72px); align-items: center;
  padding: clamp(56px, 8vw, 96px) 0;
}
.hero-title {
  font-size: clamp(38px, 5.6vw, 68px);
  line-height: 1.02; letter-spacing: -0.015em; margin-bottom: 20px;
}
.hero-title .accent { color: var(--gold-deep); font-style: italic; }
.hero-sub { font-size: clamp(17px, 2vw, 20px); color: var(--slate); max-width: 540px; margin-bottom: 30px; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 14px; margin-bottom: 32px; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px; margin-bottom: 30px; }
.hero-badge {
  display: inline-flex; align-items: center; gap: 8px;
  background: #fff; border: 1px solid var(--line);
  padding: 8px 15px; border-radius: var(--radius-pill);
  font-size: 13px; font-weight: 600; color: var(--ocean); box-shadow: var(--shadow-sm);
}
.hero-badge i { color: var(--gold-deep); }
.hero-stats { display: flex; gap: 34px; flex-wrap: wrap; padding-top: 26px; border-top: 1px solid var(--line); }
.hero-stat .num { font-family: var(--font-display); font-weight: 700; font-size: 34px; color: var(--ocean-deep); line-height: 1; }
.hero-stat .num .plus { color: var(--gold-deep); }
.hero-stat .lbl { font-size: 13px; color: var(--slate); margin-top: 6px; text-transform: uppercase; letter-spacing: 0.06em; }

.hero-portrait { position: relative; }
.hero-portrait-frame {
  position: relative; border-radius: var(--radius-lg); overflow: hidden;
  box-shadow: var(--shadow-lg); border: 6px solid #fff;
  aspect-ratio: 4/5; background: var(--ocean);
}
.hero-portrait-frame img { width: 100%; height: 100%; object-fit: cover; object-position: center 18%; }
.hero-card {
  position: absolute; left: -18px; bottom: 26px;
  background: rgba(6,40,61,0.94); color: #fff;
  backdrop-filter: blur(8px);
  padding: 18px 22px; border-radius: var(--radius);
  box-shadow: var(--shadow-lg); max-width: 260px;
  border-left: 4px solid var(--gold);
}
.hero-card .hc-name { font-family: var(--font-display); font-weight: 700; font-size: 20px; margin-bottom: 3px; }
.hero-card .hc-title { font-size: 12.5px; color: var(--gold-soft); text-transform: uppercase; letter-spacing: 0.08em; margin-bottom: 12px; }
.hero-card .hc-row { display: flex; align-items: center; gap: 9px; font-size: 13.5px; color: #d7e6ee; margin-top: 6px; }
.hero-card .hc-row i { color: var(--gold); width: 15px; text-align: center; }
.hero-flag {
  position: absolute; right: -14px; top: 24px;
  background: var(--gold); color: var(--ocean-deep);
  font-weight: 700; font-size: 13px; padding: 10px 16px;
  border-radius: var(--radius); box-shadow: var(--shadow-gold);
  transform: rotate(2deg);
  font-family: var(--font-display);
}

/* =========================================================
   TICKER
   ========================================================= */
.ticker { background: var(--ocean-deep); color:#fff; }
.ticker-inner {
  max-width: var(--container-max); margin:0 auto;
  padding: 16px var(--gutter);
  display: flex; flex-wrap: wrap; gap: 14px 26px;
  align-items:center; justify-content:center;
}
.ticker a, .ticker span { display:inline-flex; align-items:center; gap:9px; font-size:14.5px; font-weight:500; color:#cfe4ee; }
.ticker a { color:#fff; }
.ticker a:hover { color: var(--gold-soft); }
.ticker i { color: var(--gold); }
.ticker-sep { color: rgba(255,255,255,.2); }

/* =========================================================
   PROOF BAND
   ========================================================= */
.proof-band {
  background:
    radial-gradient(120% 140% at 85% 0%, rgba(23,162,168,0.18), transparent 55%),
    linear-gradient(135deg, var(--ocean) 0%, var(--ocean-deep) 100%);
  color: #fff; padding: clamp(40px, 5vw, 60px) 0;
}
.proof-inner {
  display: grid; grid-template-columns: 1.3fr auto auto;
  gap: clamp(28px, 4vw, 56px); align-items: center;
}
.proof-headline {
  font-family: var(--font-display); font-weight: 600;
  font-size: clamp(22px, 2.6vw, 32px); line-height: 1.22; color: #fff; margin: 8px 0 0;
}
.proof-accent { color: var(--gold); font-style: italic; }
.proof-figures { display: flex; gap: clamp(20px, 3vw, 40px); }
.proof-fig { text-align: center; }
.proof-fig .pf-num { font-family: var(--font-display); font-weight: 700; font-size: clamp(26px, 3vw, 38px); color: var(--gold-soft); line-height: 1; }
.proof-fig .pf-lbl { font-size: 12px; text-transform: uppercase; letter-spacing: 0.07em; color: #a9c6d5; margin-top: 8px; }
.proof-cta { white-space: nowrap; }
@media (max-width: 980px) {
  .proof-inner { grid-template-columns: 1fr; text-align: center; justify-items: center; }
  .proof-figures { justify-content: center; flex-wrap: wrap; }
}

/* =========================================================
   PILLARS / WHY
   ========================================================= */
.pillars { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.pillar {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg);
  padding: 30px 26px; position: relative; transition: all .25s ease; overflow: hidden;
}
.pillar::before { content:""; position:absolute; top:0; left:0; width:100%; height:4px; background: linear-gradient(90deg, var(--gold), var(--coral)); transform: scaleX(0); transform-origin:left; transition: transform .3s ease; }
.pillar:hover { transform: translateY(-6px); box-shadow: var(--shadow-md); border-color: transparent; }
.pillar:hover::before { transform: scaleX(1); }
.pillar-num { font-family: var(--font-display); font-weight: 700; font-size: 15px; color: var(--gold-deep); margin-bottom: 14px; }
.pillar-icon { width: 52px; height: 52px; border-radius: 14px; background: var(--sand-2); display:grid; place-items:center; color: var(--ocean); font-size: 22px; margin-bottom: 18px; }
.pillar h3 { font-size: 20px; margin-bottom: 10px; }
.pillar p { font-size: 15px; color: var(--slate); margin: 0; line-height: 1.55; }

/* =========================================================
   LOAN PROGRAMS
   ========================================================= */
.program-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.program-card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 24px 22px; cursor: pointer; transition: all .22s ease; text-align: left;
  position: relative; display: flex; flex-direction: column; gap: 10px;
}
.program-card:hover { border-color: var(--gold); box-shadow: var(--shadow-md); transform: translateY(-4px); }
.program-card .pc-icon { width: 44px; height: 44px; border-radius: 11px; background: linear-gradient(135deg, var(--ocean), var(--ocean-bright)); color: var(--gold-soft); display:grid; place-items:center; font-size: 19px; }
.program-card h3 { font-size: 17px; margin: 0; }
.program-card p { font-size: 13.5px; color: var(--slate); margin: 0; }
.program-card .pc-more { font-size: 13px; font-weight: 600; color: var(--gold-deep); margin-top: auto; display:inline-flex; align-items:center; gap:6px; }
.program-card-feature { background: linear-gradient(150deg, var(--ocean-deep), var(--ocean-mid)); border-color: transparent; color:#fff; }
.program-card-feature h3 { color:#fff; }
.program-card-feature p { color: #bcd6e2; }
.program-card-feature .pc-icon { background: var(--gold); color: var(--ocean-deep); }
.program-card-feature .pc-more { color: var(--gold-soft); }

/* =========================================================
   PROCESS
   ========================================================= */
.process { background: var(--ocean-deep); color:#fff; position: relative; overflow:hidden; }
.process::before { content:""; position:absolute; inset:0; background-image: radial-gradient(rgba(255,255,255,0.04) 1px, transparent 1px); background-size: 24px 24px; }
.process .section-head h2 { color:#fff; }
.process .section-head p { color:#a9c6d5; }
.process-grid { display:grid; grid-template-columns: repeat(4,1fr); gap: 26px; position:relative; z-index:2; }
.process-step { position: relative; }
.process-step .ps-num {
  width: 56px; height: 56px; border-radius: 50%;
  background: var(--gold); color: var(--ocean-deep);
  font-family: var(--font-display); font-weight: 700; font-size: 22px;
  display:grid; place-items:center; margin-bottom: 20px;
}
.process-step h3 { color:#fff; font-size: 20px; margin-bottom: 10px; }
.process-step p { color:#a9c6d5; font-size: 15px; margin: 0; }

/* =========================================================
   CALCULATOR
   ========================================================= */
.calc-wrap { background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); box-shadow: var(--shadow-md); overflow: hidden; }
.calc-tabs { display: flex; border-bottom: 1px solid var(--line); }
.calc-tab { flex:1; padding: 18px; background: var(--sand); border:none; cursor:pointer; font-family: var(--font-body); font-weight:600; font-size:15px; color: var(--slate); transition: all .2s; }
.calc-tab.active { background:#fff; color: var(--ocean-deep); box-shadow: inset 0 -3px 0 var(--gold); }
.calc-body { display: grid; grid-template-columns: 1.2fr 1fr; gap: 0; }
.calc-inputs { padding: clamp(24px, 3vw, 40px); }
.calc-field { margin-bottom: 24px; }
.calc-field label { display:flex; justify-content: space-between; font-weight: 600; font-size: 14px; margin-bottom: 10px; color: var(--ink); }
.calc-field label .val { color: var(--gold-deep); font-family: var(--font-display); }
.calc-field input[type=range] { width: 100%; accent-color: var(--gold); height: 6px; }
.calc-results { background: linear-gradient(155deg, var(--ocean-deep), var(--ocean-mid)); color:#fff; padding: clamp(24px, 3vw, 40px); display:flex; flex-direction:column; justify-content:center; }
.calc-results .cr-label { font-size: 13px; text-transform:uppercase; letter-spacing: 0.12em; color: var(--gold-soft); margin-bottom: 8px; }
.calc-results .cr-payment { font-family: var(--font-display); font-weight:700; font-size: clamp(40px, 6vw, 56px); line-height:1; margin-bottom: 6px; }
.calc-results .cr-payment .per { font-size: 18px; color:#a9c6d5; font-family: var(--font-body); font-weight:500; }
.calc-breakdown { margin-top: 28px; border-top: 1px solid rgba(255,255,255,.15); padding-top: 20px; }
.calc-breakdown .cb-row { display:flex; justify-content:space-between; font-size:14.5px; margin-bottom: 12px; color:#cfe4ee; }
.calc-breakdown .cb-row span:last-child { font-weight:600; color:#fff; }
.calc-note { font-size: 12px; color: var(--muted); margin-top: 22px; }

/* =========================================================
   AREAS
   ========================================================= */
.areas-grid { display:grid; grid-template-columns: repeat(4,1fr); gap: 28px; margin-bottom: 44px; }
.area-col h4 { font-size: 17px; color: var(--ocean-deep); margin-bottom: 14px; display:flex; align-items:center; gap:8px; }
.area-col h4 i { color: var(--gold-deep); }
.area-col ul { list-style:none; margin:0; padding:0; }
.area-col li { font-size: 14.5px; color: var(--slate); padding: 5px 0; border-bottom: 1px dashed var(--line-soft); }
.areas-states { display:grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.state-card { background:#fff; border:1px solid var(--line); border-radius: var(--radius); padding: 22px 20px; display:flex; align-items:center; gap:16px; transition: all .22s; }
.state-card:hover { box-shadow: var(--shadow-md); transform: translateY(-3px); border-color: var(--gold); }
.state-abbr { width: 52px; height: 52px; flex:0 0 52px; border-radius: 12px; background: linear-gradient(135deg, var(--ocean), var(--ocean-bright)); color: var(--gold-soft); font-family: var(--font-display); font-weight:700; font-size: 20px; display:grid; place-items:center; }
.state-card .sc-name { font-weight:600; font-size:15px; color: var(--ocean-deep); }
.state-card .sc-sub { font-size:12.5px; color: var(--slate); }

/* =========================================================
   ABOUT
   ========================================================= */
.about-grid { display:grid; grid-template-columns: 0.85fr 1.15fr; gap: clamp(32px, 5vw, 64px); align-items:center; }
.about-photo { position:relative; }
.about-photo-frame { border-radius: var(--radius-lg); overflow:hidden; box-shadow: var(--shadow-lg); border:6px solid #fff; aspect-ratio: 4/5; }
.about-photo-frame img { width:100%; height:100%; object-fit:cover; object-position: center 16%; }
.about-photo .exp-badge {
  position:absolute; right:-16px; bottom:-16px;
  background: var(--gold); color: var(--ocean-deep);
  border-radius: var(--radius-lg); padding: 20px 24px; text-align:center;
  box-shadow: var(--shadow-gold); border: 4px solid #fff;
}
.about-photo .exp-badge .eb-num { font-family: var(--font-display); font-weight:700; font-size: 34px; line-height:1; }
.about-photo .exp-badge .eb-lbl { font-size: 12px; font-weight:600; text-transform:uppercase; letter-spacing:0.06em; margin-top:4px; }
.about-copy h2 { font-size: clamp(28px, 4vw, 42px); }
.about-copy p { color: var(--slate); font-size: 16.5px; margin-bottom: 18px; }
.about-facts { list-style:none; margin: 26px 0 0; padding:0; display:grid; grid-template-columns: repeat(2,1fr); gap: 14px; }
.about-facts li { display:flex; gap:12px; align-items:flex-start; font-size:14.5px; color: var(--ink); }
.about-facts li i { color: var(--gold-deep); margin-top:3px; }
.about-facts li strong { display:block; color: var(--ocean-deep); }

/* =========================================================
   TESTIMONIALS
   ========================================================= */
.t-grid { display:grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
.t-card { background:#fff; border:1px solid var(--line); border-radius: var(--radius-lg); padding: 30px 28px; position:relative; }
.t-card .t-quote-mark { font-family: var(--font-display); font-size: 60px; color: var(--sand-2); line-height:.6; position:absolute; top:22px; right:24px; }
.t-stars { color: var(--gold); font-size: 15px; margin-bottom: 16px; letter-spacing: 2px; }
.t-card p { font-size: 15.5px; color: var(--ink); line-height:1.6; margin: 0 0 22px; position:relative; z-index:2; }
.t-author { display:flex; align-items:center; gap:13px; }
.t-avatar { width: 46px; height:46px; border-radius:50%; background: linear-gradient(135deg, var(--ocean), var(--ocean-bright)); color: var(--gold-soft); display:grid; place-items:center; font-family: var(--font-display); font-weight:700; font-size:18px; }
.t-author .ta-name { font-weight:600; font-size:15px; color: var(--ocean-deep); }
.t-author .ta-role { font-size:13px; color: var(--slate); }

/* =========================================================
   FAQ
   ========================================================= */
.faq-list { max-width: 820px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid var(--line); }
.faq-item summary { list-style:none; cursor:pointer; padding: 22px 0; font-family: var(--font-display); font-weight:600; font-size: 19px; color: var(--ocean-deep); display:flex; justify-content:space-between; align-items:center; gap:16px; }
.faq-item summary::-webkit-details-marker { display:none; }
.faq-item summary .faq-icon { flex:0 0 auto; width:30px; height:30px; border-radius:50%; background:var(--sand-2); color: var(--ocean); display:grid; place-items:center; font-size:14px; transition: all .25s; }
.faq-item[open] summary .faq-icon { background: var(--gold); transform: rotate(45deg); }
.faq-item p { color: var(--slate); font-size: 15.5px; padding: 0 0 24px; margin: 0; max-width: 700px; }

/* =========================================================
   CTA BAND
   ========================================================= */
.cta-band {
  background: linear-gradient(135deg, var(--gold) 0%, var(--gold-deep) 100%);
  color: var(--ocean-deep); text-align:center;
}
.cta-band .container { padding-top: clamp(56px,7vw,88px); padding-bottom: clamp(56px,7vw,88px); }
.cta-band h2 { font-size: clamp(30px, 4.5vw, 48px); color: var(--ocean-deep); margin-bottom: 14px; }
.cta-band p { font-size: 19px; color: rgba(6,40,61,.8); max-width: 620px; margin: 0 auto 30px; }
.cta-band .btn-ocean { box-shadow: 0 12px 30px rgba(6,40,61,.25); }

/* =========================================================
   CONTACT
   ========================================================= */
.contact { background: var(--sand); }
.contact-grid { display:grid; grid-template-columns: 0.9fr 1.1fr; gap: clamp(32px,5vw,56px); }
.contact-info h2 { font-size: clamp(28px,4vw,42px); }
.contact-info > p { color: var(--slate); font-size: 16.5px; margin-bottom: 28px; }
.contact-list { list-style:none; margin:0 0 28px; padding:0; }
.contact-list li { display:flex; gap:15px; align-items:flex-start; margin-bottom: 20px; }
.contact-list li .ci-icon { width:46px; height:46px; flex:0 0 46px; border-radius:12px; background:#fff; border:1px solid var(--line); color: var(--ocean); display:grid; place-items:center; font-size:18px; box-shadow: var(--shadow-sm); }
.contact-list li .ci-label { font-size:12.5px; text-transform:uppercase; letter-spacing:0.08em; color: var(--muted); font-weight:600; }
.contact-list li .ci-value { font-size:16px; color: var(--ocean-deep); font-weight:600; }
.contact-map { border-radius: var(--radius-lg); overflow:hidden; box-shadow: var(--shadow-sm); border:1px solid var(--line); }
.contact-map iframe { width:100%; height: 240px; border:0; display:block; }

.contact-form { background:#fff; border:1px solid var(--line); border-radius: var(--radius-lg); padding: clamp(28px,4vw,40px); box-shadow: var(--shadow-md); }
.contact-form h3 { font-size: 24px; margin-bottom: 6px; }
.contact-form .cf-sub { font-size:14.5px; color: var(--slate); margin-bottom: 26px; }
.form-row { display:grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 18px; }
.form-group label { display:block; font-size:13.5px; font-weight:600; margin-bottom:7px; color: var(--ink); }
.form-group input, .form-group select, .form-group textarea {
  width:100%; padding: 13px 15px; border:1px solid var(--line); border-radius: var(--radius);
  font-family: var(--font-body); font-size:15px; color: var(--ink); background:#fff; transition: border-color .2s, box-shadow .2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus { outline:none; border-color: var(--gold); box-shadow: 0 0 0 3px rgba(245,166,35,.18); }
.form-group textarea { resize: vertical; min-height: 100px; }

/* =========================================================
   TRUST BADGES
   ========================================================= */
.trust { background:#fff; border-top:1px solid var(--line); border-bottom:1px solid var(--line); }
.tb-inner { display:flex; flex-wrap:wrap; gap: 40px 56px; align-items:center; justify-content:center; padding: 40px var(--gutter); }
.tb-item { display:flex; align-items:center; gap:13px; color: var(--slate); }
.tb-item .tb-icon { color: var(--ocean); font-size: 30px; }
.tb-item .tb-text { font-size:13.5px; }
.tb-item .tb-text strong { display:block; color: var(--ocean-deep); font-size:15px; font-family: var(--font-display); }

/* =========================================================
   FOOTER
   ========================================================= */
.footer { background: var(--ocean-deep); color:#a9c6d5; padding-top: clamp(56px,7vw,80px); }
.footer-grid { display:grid; grid-template-columns: 1.4fr 1fr 1fr 1.3fr; gap: 40px; padding-bottom: 44px; }
.footer .brand-name { color:#fff; }
.footer-brand p { font-size: 14.5px; color:#89a7b7; margin: 16px 0 20px; max-width: 300px; }
.footer-social { display:flex; gap:12px; }
.footer-social a { width:40px; height:40px; border-radius:10px; background: rgba(255,255,255,0.08); display:grid; place-items:center; color:#fff; font-size:16px; transition: all .2s; }
.footer-social a:hover { background: var(--gold); color: var(--ocean-deep); transform: translateY(-3px); }
.footer-col h4 { color:#fff; font-size:16px; margin-bottom:18px; }
.footer-col ul { list-style:none; margin:0; padding:0; }
.footer-col li { margin-bottom: 11px; }
.footer-col a { color:#a9c6d5; font-size:14.5px; }
.footer-col a:hover { color: var(--gold-soft); }
.footer-contact li { display:flex; gap:11px; align-items:flex-start; margin-bottom:14px; font-size:14.5px; color:#a9c6d5; }
.footer-contact li i { color: var(--gold); margin-top:3px; width:16px; text-align:center; }

.eho-strip { border-top:1px solid rgba(255,255,255,.1); padding: 26px 0; display:flex; gap:20px; align-items:flex-start; }
.eho-strip .eho-icon { flex:0 0 auto; font-size: 34px; color:#fff; }
.eho-strip p { font-size:12.5px; color:#7f9dad; margin:0; line-height:1.6; }

.parent-strip { border-top:1px solid rgba(255,255,255,.1); padding: 22px 0; text-align:center; }
.parent-strip p { font-size:13px; color:#89a7b7; margin:0; }

.legal { border-top:1px solid rgba(255,255,255,.1); padding: 26px 0 40px; }
.legal p { font-size:11.5px; color:#6f8d9d; margin: 0 0 12px; line-height:1.7; }
.legal a { color:#a9c6d5; border-bottom:1px solid rgba(169,198,238,.3); }
.legal a:hover { color: var(--gold-soft); }
.legal-bottom { display:flex; flex-wrap:wrap; gap:8px 20px; justify-content:space-between; align-items:center; padding-top:16px; border-top:1px solid rgba(255,255,255,.08); margin-top:8px; }
.legal-bottom span { font-size:12px; color:#89a7b7; }

/* =========================================================
   PROGRAM MODAL
   ========================================================= */
.modal-overlay { position: fixed; inset:0; background: rgba(6,40,61,.7); backdrop-filter: blur(4px); z-index:200; display:none; align-items:center; justify-content:center; padding: 20px; }
.modal-overlay.open { display:flex; }
.modal { background:#fff; border-radius: var(--radius-lg); max-width: 560px; width:100%; max-height: 88vh; overflow-y:auto; box-shadow: var(--shadow-lg); position:relative; }
.modal-head { background: linear-gradient(135deg, var(--ocean-deep), var(--ocean-mid)); color:#fff; padding: 32px 34px; }
.modal-head .mh-icon { width:56px; height:56px; border-radius:14px; background: var(--gold); color: var(--ocean-deep); display:grid; place-items:center; font-size:24px; margin-bottom:16px; }
.modal-head h3 { color:#fff; font-size:26px; margin:0; }
.modal-body { padding: 30px 34px; }
.modal-body p { color: var(--slate); font-size:15.5px; }
.modal-body ul { padding-left: 20px; color: var(--slate); font-size:15px; }
.modal-body li { margin-bottom: 8px; }
.modal-close { position:absolute; top:18px; right:18px; background: rgba(255,255,255,.15); border:none; color:#fff; width:38px; height:38px; border-radius:50%; cursor:pointer; font-size:18px; display:grid; place-items:center; transition: all .2s; }
.modal-close:hover { background: rgba(255,255,255,.3); }

/* =========================================================
   STICKY MOBILE CTA
   ========================================================= */
.sticky-cta { position: fixed; bottom:0; left:0; right:0; z-index:90; background: var(--ocean-deep); display:none; grid-template-columns: repeat(4,1fr); border-top: 2px solid var(--gold); }
.sticky-cta a { padding: 12px 4px; text-align:center; color:#fff; font-size:11px; font-weight:600; display:flex; flex-direction:column; align-items:center; gap:4px; border-right: 1px solid rgba(255,255,255,.1); }
.sticky-cta a:last-child { border-right:none; }
.sticky-cta a i { font-size:17px; color: var(--gold); }

/* =========================================================
   ANIMATIONS
   ========================================================= */
.reveal { opacity:0; transform: translateY(24px); transition: opacity .7s ease, transform .7s ease; }
.reveal.visible { opacity:1; transform: none; }

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width: 1080px) {
  .pillars, .program-grid, .process-grid, .areas-grid, .areas-states { grid-template-columns: repeat(2, 1fr); }
  .t-grid { grid-template-columns: 1fr; max-width: 560px; margin: 0 auto; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .nav-links { display:none; }
  .nav-toggle { display:block; }
  .nav-phone { display:none; }
  .nav-cta { display:none; }
  .nav-inner { padding: 12px var(--gutter); }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-portrait { max-width: 420px; margin: 0 auto; }
  .calc-body { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .about-photo { max-width: 380px; margin: 0 auto 30px; }
  .contact-grid { grid-template-columns: 1fr; }
  .sticky-cta { display:grid; }
  body { padding-bottom: 60px; }

  .nav-links.open {
    display:flex; position:absolute; top:100%; left:0; right:0;
    flex-direction:column; align-items:stretch; gap:0;
    background:#fff; border-bottom:1px solid var(--line); box-shadow: var(--shadow-md);
    padding: 8px 0;
  }
  .nav-links.open a { padding: 14px var(--gutter); border-bottom:1px solid var(--line-soft); }
  .nav-links.open a::after { display:none; }
}
@media (max-width: 620px) {
  .pillars, .program-grid, .process-grid, .areas-grid, .areas-states, .about-facts, .form-row { grid-template-columns: 1fr; }
  .hero-stats { gap: 22px; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-card { position: static; margin-top: 18px; max-width: none; left:0; }
  .hero-flag { right: 8px; top: 12px; }
  .about-photo .exp-badge { right: 8px; }
}