/* Layout: navy "blueprint" hero with the deal-intake form beside the promise, then proof (closings ledger), programs, process, calculator, and a closing CTA band. */
:root{
  --navy:#0A2C55; --navy-2:#0F3A6E; --ink:#14202E; --steel:#5B6573; --paper:#F4F6F9; --card:#FFFFFF;
  --line:#DCE2EA; --brass:#E9A23B; --brass-ink:#1A1405; --ok:#1F7A4D;
  --hero-fg:#FFFFFF; --hero-sub:#C9D5E4; --grid:rgba(255,255,255,.06);
  --f-display:"Archivo","Arial Narrow",Arial,sans-serif;
  --f-body:"Public Sans",system-ui,-apple-system,"Segoe UI",sans-serif;
  --f-mono:"IBM Plex Mono",ui-monospace,Menlo,Consolas,monospace;
  --logo-light:url("logo-navy.png");
  --logo-dark:url("logo-reverse.png");
  --logo:var(--logo-light);
}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){
  --navy:#061B35; --navy-2:#0B2748; --ink:#E6ECF3; --steel:#9AA6B5; --paper:#0A1626; --card:#112238;
  --line:#22364F; --brass:#F0B04E; --brass-ink:#1A1405; --ok:#4CC08A;
  --hero-fg:#FFFFFF; --hero-sub:#AFC0D6; --grid:rgba(255,255,255,.05); --logo:var(--logo-dark); color-scheme:dark}}
:root[data-theme="dark"]{
  --navy:#061B35; --navy-2:#0B2748; --ink:#E6ECF3; --steel:#9AA6B5; --paper:#0A1626; --card:#112238;
  --line:#22364F; --brass:#F0B04E; --brass-ink:#1A1405; --ok:#4CC08A;
  --hero-fg:#FFFFFF; --hero-sub:#AFC0D6; --grid:rgba(255,255,255,.05); --logo:var(--logo-dark); color-scheme:dark}

*{box-sizing:border-box}
[hidden]{display:none!important}
html,body{margin:0}
body{background:var(--paper);color:var(--ink);font-family:var(--f-body);font-size:16px;line-height:1.55}
body::before{content:"";position:fixed;inset:0 0 auto;height:env(safe-area-inset-top,0px);z-index:10;background:var(--card)}
a{color:inherit}
.wrap{max-width:1180px;margin:0 auto;padding-left:max(16px,env(safe-area-inset-left,0px));padding-right:max(16px,env(safe-area-inset-right,0px))}
h1,h2,h3{font-family:var(--f-display);font-variation-settings:"wdth" 112;line-height:1.05;text-wrap:balance;margin:0}
.eyebrow{font-family:var(--f-mono);font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--steel);margin:0 0 12px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font:700 15px/1 var(--f-body);padding:14px 20px;border-radius:6px;border:0;cursor:pointer;text-decoration:none;transition:transform .15s,box-shadow .15s}
.btn-brass{background:var(--brass);color:var(--brass-ink)}
.btn-brass:hover{transform:translateY(-1px);box-shadow:0 6px 16px rgba(233,162,59,.35)}
.btn-ghost{background:transparent;color:inherit;border:1.5px solid currentColor}
:focus-visible{outline:3px solid var(--brass);outline-offset:2px}
.proto-unused{font-family:var(--f-mono);font-size:12px;background:var(--brass);color:var(--brass-ink);padding:6px 10px;text-align:center}

/* header */
header.site{position:sticky;top:env(safe-area-inset-top,0px);z-index:9;background:var(--card);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:24px;padding-block:12px}
.logo{display:block;width:134px;height:48px;background:var(--logo) left center/contain no-repeat;flex:none}
nav.main{display:flex;gap:22px;font-weight:600;font-size:14px;margin-left:auto}
nav.main a{text-decoration:none;color:var(--ink)}
nav.main a:hover{color:var(--navy-2);text-decoration:underline}
.phone{font-family:var(--f-mono);font-weight:600;font-size:14px;white-space:nowrap;user-select:all}
@media (max-width:900px){nav.main{display:none}.bar{justify-content:space-between}.phone{margin-left:auto}}
@media (max-width:480px){.phone{display:none}.bar .btn{padding:12px 14px;font-size:14px}}

/* hero */
.hero{background:
  linear-gradient(var(--grid) 1px,transparent 1px) 0 0/40px 40px,
  linear-gradient(90deg,var(--grid) 1px,transparent 1px) 0 0/40px 40px,
  radial-gradient(120% 90% at 0% 0%,var(--navy-2),var(--navy));color:var(--hero-fg);position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;padding-block:64px 72px;align-items:start}
.hero .eyebrow{color:var(--brass)}
.hero h1{font-size:clamp(38px,5.6vw,68px);font-weight:850;letter-spacing:-.01em}
.hero h1 em{font-style:normal;color:var(--brass);display:block}
.hero p.sub{font-size:19px;color:var(--hero-sub);max-width:34em;margin:22px 0 28px}
.proof{display:grid;grid-template-columns:repeat(4,auto);gap:0;justify-content:start;border-top:1px solid rgba(255,255,255,.18);padding-top:22px;margin-top:8px}
.proof div{padding-right:28px;margin-right:28px;border-right:1px solid rgba(255,255,255,.18)}
.proof div:last-child{border:0;margin:0;padding:0}
.proof b{display:block;font-family:var(--f-display);font-variation-settings:"wdth" 100;font-size:30px;font-weight:800;line-height:1}
.proof span{font-size:13px;color:var(--hero-sub)}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.hero .ctas small{color:var(--hero-sub);font-size:14px}
.skyline{position:absolute;right:-20px;bottom:-4px;width:420px;opacity:.07;pointer-events:none}
@media (max-width:960px){.hero .wrap{grid-template-columns:1fr;padding-block:40px 48px}.proof{grid-template-columns:repeat(2,auto);row-gap:18px}.proof div:nth-child(2){border:0}}

/* quote card */
.quote{background:var(--card);color:var(--ink);border-radius:10px;box-shadow:0 24px 60px rgba(0,0,0,.35);overflow:hidden;min-width:0}
.quote-head{display:flex;justify-content:space-between;align-items:center;padding:16px 22px;border-bottom:1px solid var(--line);font-family:var(--f-mono);font-size:12px;letter-spacing:.06em;text-transform:uppercase;color:var(--steel)}
.meter{height:4px;background:var(--line)}
.meter i{display:block;height:100%;width:16.6%;background:var(--brass);transition:width .3s}
.quote form{padding:22px}
.quote h3{font-size:22px;margin-bottom:6px}
.quote .hint{color:var(--steel);font-size:14px;margin:0 0 16px}
.tiles{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.tile{font:600 15px/1.25 var(--f-body);text-align:left;padding:14px;border:1.5px solid var(--line);border-radius:8px;background:var(--paper);color:var(--ink);cursor:pointer}
.tile small{display:block;font-weight:400;color:var(--steel);font-size:12.5px;margin-top:3px}
.tile:hover{border-color:var(--navy-2)}
.tile[aria-pressed="true"]{border-color:var(--brass);background:color-mix(in srgb,var(--brass) 14%,var(--card))}
.field{display:grid;gap:6px;margin-bottom:12px}
.field label{font-size:13px;font-weight:600}
.field input{font:16px var(--f-body);padding:12px;border:1.5px solid var(--line);border-radius:6px;background:var(--paper);color:var(--ink);width:100%}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.qnav{display:flex;justify-content:space-between;align-items:center;margin-top:18px;gap:12px}
.linkbtn{background:none;border:0;color:var(--steel);font:600 14px var(--f-body);cursor:pointer;padding:8px 0}
.fine{font-size:12px;color:var(--steel);margin:12px 0 0}
.done{text-align:center;padding:12px 4px}
.done .check{width:52px;height:52px;border-radius:50%;background:var(--ok);color:#fff;display:grid;place-items:center;margin:0 auto 14px;font-size:26px}
.done p{color:var(--steel)}
.err{color:#C2412D;font-size:13px;min-height:1em;margin:6px 0 0}

/* sections */
section.band{padding-block:80px}
section.band h2{font-size:clamp(30px,3.6vw,44px);font-weight:800;margin-bottom:14px}
.lede{color:var(--steel);font-size:18px;max-width:40em;margin:0 0 36px}

/* closings */
.deals{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.deal{background:var(--card);border:1px solid var(--line);border-radius:8px;padding:20px;display:flex;flex-direction:column;gap:10px;min-width:0}
.deal .amt{font-family:var(--f-mono);font-weight:600;font-size:26px;letter-spacing:-.02em;color:var(--ink)}
.deal .tag{font-family:var(--f-mono);font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--steel)}
.deal .what{font-weight:700}
.deal .why{font-size:14px;color:var(--steel);border-top:1px dashed var(--line);padding-top:10px;margin-top:auto}
.deal .why b{color:var(--ok);font-weight:700}
.ledger-wrap{overflow-x:auto;margin-top:28px;border:1px solid var(--line);border-radius:8px;background:var(--card)}
table.ledger{width:100%;border-collapse:collapse;font-size:14px;min-width:560px}
.ledger th,.ledger td{padding:11px 16px;text-align:left;border-bottom:1px solid var(--line)}
.ledger th{font-family:var(--f-mono);font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--steel);font-weight:500}
.ledger td.n{font-family:var(--f-mono);text-align:right;font-variant-numeric:tabular-nums}
.ledger th.n{text-align:right}
.ledger tfoot td{font-weight:700;border-bottom:0}
@media (max-width:1000px){.deals{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.deals{grid-template-columns:1fr}}

/* programs */
.programs{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:8px;overflow:hidden}
.prog{background:var(--card);padding:26px;text-decoration:none;display:flex;flex-direction:column;gap:8px;min-width:0}
.prog h3{font-size:21px;font-weight:750}
.prog p{margin:0;color:var(--steel);font-size:15px}
.prog .go{margin-top:auto;padding-top:10px;font-weight:700;font-size:14px;color:var(--navy-2)}
:root[data-theme="dark"] .prog .go{color:var(--brass)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .prog .go{color:var(--brass)}}
.prog:hover h3{text-decoration:underline}
@media (max-width:900px){.programs{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.programs{grid-template-columns:1fr}}
.ptypes{display:flex;flex-wrap:wrap;gap:8px;margin-top:22px}
.ptypes a{font-size:14px;font-weight:600;text-decoration:none;padding:8px 12px;border:1px solid var(--line);border-radius:999px;background:var(--card)}
.ptypes a:hover{border-color:var(--navy-2)}

/* broker vs bank + steps */
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
@media (max-width:900px){.split{grid-template-columns:1fr}}
.steps{list-style:none;padding:0;margin:0;display:grid;gap:0;counter-reset:s}
.steps li{display:grid;grid-template-columns:56px 1fr;gap:16px;padding:20px 0;border-top:1px solid var(--line)}
.steps li:last-child{border-bottom:1px solid var(--line)}
.steps li::before{counter-increment:s;content:counter(s,decimal-leading-zero);font-family:var(--f-mono);font-size:22px;font-weight:600;color:var(--brass)}
.steps h3{font-size:20px;margin-bottom:4px}
.steps p{margin:0;color:var(--steel)}
.vs{display:grid;grid-template-columns:1fr 1fr;border:1px solid var(--line);border-radius:8px;overflow:hidden;background:var(--card)}
.vs > div{padding:22px;min-width:0}
.vs > div + div{background:var(--navy);color:var(--hero-fg)}
.vs h3{font-size:18px;margin-bottom:12px}
.vs ul{margin:0;padding-left:18px;display:grid;gap:8px;font-size:15px}
.vs > div:first-child ul{color:var(--steel)}
@media (max-width:480px){.vs{grid-template-columns:1fr}}

/* calculator */
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:0;background:var(--card);border:1px solid var(--line);border-radius:10px;overflow:hidden}
.calc .inputs{padding:28px;display:grid;grid-template-columns:1fr 1fr;gap:14px 16px;align-content:start}
.calc .out{background:var(--navy);color:var(--hero-fg);padding:28px;display:flex;flex-direction:column;gap:14px;min-width:0}
.calc .out .big{font-family:var(--f-mono);font-size:clamp(34px,4vw,46px);font-weight:600;letter-spacing:-.02em;line-height:1}
.calc .out dl{display:grid;grid-template-columns:1fr auto;gap:8px 16px;margin:0;font-size:14px;color:var(--hero-sub)}
.calc .out dd{margin:0;font-family:var(--f-mono);color:var(--hero-fg);text-align:right;font-variant-numeric:tabular-nums}
.calc .bind{font-size:14px;color:var(--hero-sub);border-top:1px solid rgba(255,255,255,.15);padding-top:14px}
@media (max-width:860px){.calc{grid-template-columns:1fr}}
@media (max-width:480px){.calc .inputs{grid-template-columns:1fr}}

/* reviews placeholder */
.reviews{border:2px dashed var(--line);border-radius:10px;padding:28px;display:flex;gap:24px;align-items:center;flex-wrap:wrap;background:var(--card)}
.stars{font-size:28px;color:var(--brass);letter-spacing:2px}

/* cta band + footer */
.cta-band{background:var(--brass);color:var(--brass-ink)}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;padding-block:44px}
.cta-band h2{font-size:clamp(26px,3vw,36px);font-weight:850}
.cta-band .btn{background:var(--navy);color:#fff}
footer{background:var(--navy);color:var(--hero-sub);font-size:14px}
footer .wrap{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:32px;padding-block:52px 36px}
footer .logo{--logo:var(--logo-dark);width:150px;height:54px;margin-bottom:14px}
footer h4{color:#fff;font-family:var(--f-mono);font-size:12px;letter-spacing:.1em;text-transform:uppercase;margin:0 0 12px;font-weight:500}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:7px}
footer a{text-decoration:none}
footer a:hover{color:#fff;text-decoration:underline}
footer .legal{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.14);padding-top:20px;font-size:12.5px;line-height:1.6}
@media (max-width:760px){footer .wrap{grid-template-columns:1fr}}
.sticky-call{display:none}
@media (max-width:640px){
  .sticky-call{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:8;gap:8px;background:var(--card);border-top:1px solid var(--line);
    padding:10px max(12px,env(safe-area-inset-right,0px)) calc(10px + env(safe-area-inset-bottom,0px)) max(12px,env(safe-area-inset-left,0px))}
  .sticky-call .btn{flex:1;padding:13px 10px}
  footer{padding-bottom:72px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
html{scroll-behavior:smooth}

/* ---------- inner pages ---------- */
.crumbs{font-family:var(--f-mono);font-size:12px;letter-spacing:.06em;color:var(--hero-sub);margin:0 0 14px}
.crumbs a{color:var(--hero-sub);text-decoration:none}
.crumbs a:hover{color:#fff;text-decoration:underline}
.page-hero{background:
  linear-gradient(var(--grid) 1px,transparent 1px) 0 0/40px 40px,
  linear-gradient(90deg,var(--grid) 1px,transparent 1px) 0 0/40px 40px,
  radial-gradient(120% 90% at 0% 0%,var(--navy-2),var(--navy));color:var(--hero-fg)}
.page-hero .wrap{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;padding-block:52px 56px;align-items:center}
.page-hero h1{font-size:clamp(34px,4.6vw,56px);font-weight:850}
.page-hero p.sub{font-size:18px;color:var(--hero-sub);max-width:36em;margin:18px 0 26px}
.page-hero .ctas{display:flex;gap:12px;flex-wrap:wrap}
.page-hero.slim .wrap{grid-template-columns:1fr;padding-block:44px 44px}
.facts{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.16);border-radius:10px;padding:22px;min-width:0}
.facts h2{font-family:var(--f-mono);font-variation-settings:normal;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--brass);font-weight:500;margin:0 0 12px}
.facts dl{display:grid;grid-template-columns:auto 1fr;gap:10px 16px;margin:0;font-size:15px}
.facts dt{color:var(--hero-sub)}
.facts dd{margin:0;font-weight:600;text-align:right}
@media (max-width:900px){.page-hero .wrap{grid-template-columns:1fr;padding-block:36px 40px}}
.content{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding-block:64px;align-items:start}
.content aside{position:sticky;top:96px;display:grid;gap:16px}
@media (max-width:960px){.content{grid-template-columns:1fr}.content aside{position:static}}
.prose{max-width:46em;min-width:0}
.prose h2{font-size:clamp(26px,2.8vw,34px);font-weight:800;margin:48px 0 14px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:20px;font-weight:750;margin:28px 0 8px}
.prose p,.prose li{font-size:17px}
.prose ul,.prose ol{padding-left:22px;display:grid;gap:6px}
.prose a{color:var(--navy-2);font-weight:600}
:root[data-theme="dark"] .prose a{color:var(--brass)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .prose a{color:var(--brass)}}
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:8px;background:var(--card);margin:18px 0}
.tbl{width:100%;border-collapse:collapse;font-size:15px;min-width:460px}
.tbl th,.tbl td{padding:12px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.tbl th{font-family:var(--f-mono);font-size:11.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--steel);font-weight:500}
.tbl tr:last-child td{border-bottom:0}
.note{font-size:13px;color:var(--steel)}
.side-card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:22px}
.side-card h3{font-size:19px;margin-bottom:8px}
.side-card p{color:var(--steel);font-size:14.5px;margin:0 0 14px}
.side-card .btn{width:100%}
.side-card.navy{background:var(--navy);color:var(--hero-fg);border-color:var(--navy)}
.side-card.navy p{color:var(--hero-sub)}
.side-links{list-style:none;padding:0;margin:0;display:grid;gap:8px;font-size:15px}
.side-links a{text-decoration:none;font-weight:600}
.side-links a:hover{text-decoration:underline}
.faq details{border-top:1px solid var(--line);padding:16px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;font-weight:700;font-size:17px;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::after{content:"+";font-family:var(--f-mono);color:var(--brass);font-size:20px;line-height:1}
.faq details[open] summary::after{content:"−"}
.faq summary::-webkit-details-marker{display:none}
.faq details p{margin:10px 0 0;color:var(--steel)}
.hub{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.hub a{background:var(--card);border:1px solid var(--line);border-radius:8px;padding:22px;text-decoration:none;display:flex;flex-direction:column;gap:8px;min-width:0}
.hub a:hover{border-color:var(--navy-2)}
.hub h3{font-size:20px}
.hub p{margin:0;color:var(--steel);font-size:15px}
@media (max-width:900px){.hub{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.hub{grid-template-columns:1fr}}
.quote.page-quote{max-width:640px;margin:0 auto;box-shadow:0 18px 50px rgba(10,44,85,.18)}
.article-meta{font-family:var(--f-mono);font-size:12.5px;color:var(--hero-sub);letter-spacing:.04em}
.checklist{list-style:none;padding:0}
.checklist li{padding-left:30px;position:relative}
.checklist li::before{content:"✓";position:absolute;left:0;top:0;color:var(--ok);font-weight:800}
.honey{position:absolute;left:-9999px}