/* ===========================================================================
   Nook — We're Making Home Loans Simple
   Design system: glassmorphism + aurora mesh. Owner-provided design (nook-home).
   Nav: Nook frosted-glass pill (desktop) + witness-the-fitness drawer (mobile).
   Reviews: template1 / witness-the-fitness Google Reviews dual-marquee.
   =========================================================================== */
:root{
  --blue-700:#0B3DB8;--blue-600:#1454F2;--blue-500:#2E6BFF;--blue-400:#5B8DFF;--blue-300:#9DBEFF;
  --sky:#E8F0FF;--ink:#0A1B3D;--ink-soft:#475573;--ink-faint:#8492AE;--bg:#EEF4FF;--white:#FFFFFF;
  --glass:rgba(255,255,255,.55);--glass-strong:rgba(255,255,255,.72);--glass-border:rgba(255,255,255,.85);
  --hair:rgba(10,27,61,.10);
  --radius:26px;--radius-sm:16px;
  --shadow-soft:0 20px 50px -24px rgba(11,61,184,.45);
  --shadow-card:0 24px 60px -28px rgba(10,27,61,.35);
  --ease:cubic-bezier(.22,1,.36,1);
  --maxw:1180px;
  --serif:"Geist",-apple-system,BlinkMacSystemFont,sans-serif;
  --sans:"Inter",-apple-system,BlinkMacSystemFont,sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--sans);color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden;position:relative}
body.menu-open{overflow:hidden}
a{color:inherit}
img{max-width:100%;display:block}

/* ---------- aurora mesh background ---------- */
.aurora{position:fixed;inset:0;z-index:-2;overflow:hidden}
.aurora span{position:absolute;border-radius:50%;filter:blur(70px);opacity:.34;will-change:transform;transform:translateZ(0)}
.aurora .b1{width:620px;height:620px;background:radial-gradient(circle at 30% 30%,#2E6BFF,transparent 70%);top:-180px;left:-120px;animation:float1 22s var(--ease) infinite alternate}
.aurora .b2{width:540px;height:540px;background:radial-gradient(circle at 40% 40%,#5B8DFF,transparent 70%);top:-60px;right:-160px;animation:float2 26s var(--ease) infinite alternate}
.aurora .b3{width:460px;height:460px;background:radial-gradient(circle at 50% 50%,#9DBEFF,transparent 70%);top:46%;left:-160px;animation:float3 30s var(--ease) infinite alternate;opacity:.4}
.aurora .b4{width:520px;height:520px;background:radial-gradient(circle at 50% 50%,#1454F2,transparent 72%);bottom:-220px;right:-120px;animation:float1 28s var(--ease) infinite alternate;opacity:.32}
@keyframes float1{to{transform:translate(60px,80px) scale(1.12)}}
@keyframes float2{to{transform:translate(-70px,60px) scale(1.08)}}
@keyframes float3{to{transform:translate(80px,-50px) scale(1.15)}}
.grain{position:fixed;inset:0;z-index:-1;pointer-events:none;opacity:.04;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.85' numOctaves='2'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}

.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px}
.glass{background:var(--glass);backdrop-filter:blur(22px) saturate(160%);-webkit-backdrop-filter:blur(22px) saturate(160%);border:1px solid var(--glass-border);box-shadow:var(--shadow-card), inset 0 1px 0 rgba(255,255,255,.6)}

/* ---------- nav (frosted glass pill) ---------- */
.nav-shell{position:fixed;top:18px;left:0;right:0;z-index:100;display:flex;justify-content:center;padding:0 20px}
nav#nav{width:100%;max-width:var(--maxw);display:flex;align-items:center;justify-content:space-between;gap:12px;padding:11px 12px 11px 24px;border-radius:999px;background:var(--glass-strong);backdrop-filter:blur(20px) saturate(170%);-webkit-backdrop-filter:blur(20px) saturate(170%);border:1px solid var(--glass-border);box-shadow:0 12px 40px -18px rgba(11,61,184,.4), inset 0 1px 0 rgba(255,255,255,.7);transition:padding .4s var(--ease), box-shadow .4s var(--ease)}
.brand{font-family:var(--serif);font-weight:700;font-size:1.5rem;letter-spacing:-.02em;color:var(--ink);display:flex;align-items:center;gap:1px;text-decoration:none;flex-shrink:0}
.brand .us{color:var(--blue-600);font-weight:800}
.nav-links{display:flex;gap:30px;list-style:none;font-size:.93rem;font-weight:500}
.nav-links a{color:var(--ink-soft);text-decoration:none;position:relative;transition:color .25s;padding:4px 0}
.nav-links a::after{content:"";position:absolute;left:0;bottom:-4px;width:0;height:2px;background:var(--blue-600);border-radius:2px;transition:width .3s var(--ease)}
.nav-links a:hover,.nav-links a.active{color:var(--ink)}
.nav-links a:hover::after,.nav-links a.active::after{width:100%}
.nav-cta{display:flex;gap:10px;align-items:center}

.btn{font-family:var(--sans);font-weight:600;font-size:.92rem;border:none;cursor:pointer;text-decoration:none;display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;transition:transform .3s var(--ease),box-shadow .3s var(--ease),background .3s;line-height:1.1}
.btn-primary{background:linear-gradient(135deg,var(--blue-500),var(--blue-700));color:#fff;padding:13px 26px;box-shadow:0 14px 30px -12px rgba(20,84,242,.7)}
.btn-primary:hover{transform:translateY(-3px);box-shadow:0 22px 40px -14px rgba(20,84,242,.8)}
.btn-ghost{background:rgba(255,255,255,.5);color:var(--ink);padding:12px 22px;border:1px solid var(--glass-border)}
.btn-ghost:hover{background:#fff;transform:translateY(-2px)}
.btn-lg{padding:17px 36px;font-size:1.02rem}

/* hamburger — hidden on desktop, shown on mobile (G17) */
.nav-toggle{display:none;align-items:center;justify-content:center;width:42px;height:42px;border-radius:999px;background:rgba(255,255,255,.6);border:1px solid var(--glass-border);color:var(--ink);cursor:pointer;flex-shrink:0;transition:background .2s}
.nav-toggle:hover{background:#fff}
.nav-toggle svg{width:20px;height:20px}
.nav-toggle .line{stroke:currentColor;stroke-width:2;stroke-linecap:round}

/* ---------- mobile menu drawer (witness-the-fitness pattern, Nook-skinned) ---------- */
.mobile-menu{position:fixed;inset:0;z-index:200;display:flex;flex-direction:column;background:linear-gradient(180deg,rgba(255,255,255,.92),rgba(232,240,255,.95));backdrop-filter:blur(30px) saturate(160%);-webkit-backdrop-filter:blur(30px) saturate(160%);opacity:0;pointer-events:none;transition:opacity .3s var(--ease)}
.mobile-menu.open{opacity:1;pointer-events:auto}
.mobile-menu-head{display:flex;align-items:center;justify-content:space-between;padding:22px 26px;border-bottom:1px solid var(--hair);flex-shrink:0}
.mobile-menu-logo{font-family:var(--serif);font-weight:700;font-size:1.5rem;letter-spacing:-.02em;color:var(--ink);text-decoration:none}
.mobile-menu-logo .us{color:var(--blue-600);font-weight:800}
.mobile-menu-close{display:flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:999px;background:rgba(255,255,255,.7);border:1px solid var(--glass-border);cursor:pointer;color:var(--ink);transition:background .2s}
.mobile-menu-close:hover{background:#fff}
.mobile-menu-close svg{width:16px;height:16px}
.mobile-menu-body{flex:1;display:flex;flex-direction:column;padding:30px 26px 26px;overflow-y:auto}
.mobile-menu-links{display:flex;flex-direction:column;list-style:none;margin:0 0 28px;padding:0;flex:1}
.mobile-menu-links li{border-bottom:1px solid var(--hair)}
.mobile-menu-links li:first-child{border-top:1px solid var(--hair)}
.mobile-menu-links a{display:flex;align-items:center;justify-content:space-between;padding:20px 4px;font-family:var(--serif);font-size:28px;font-weight:600;letter-spacing:-.03em;color:var(--ink);line-height:1;text-decoration:none;transition:padding .25s,color .25s}
.mobile-menu-links a .idx{font-family:var(--sans);font-size:12px;color:var(--ink-faint);font-weight:500;letter-spacing:.04em}
.mobile-menu-links a:hover{padding-left:10px;color:var(--blue-600)}
.mobile-menu-foot{margin-top:auto;padding-top:22px;border-top:1px solid var(--hair);display:flex;flex-direction:column;gap:10px}
.mobile-menu-cta{display:flex;align-items:center;justify-content:space-between;padding:16px 20px;border-radius:14px;background:rgba(255,255,255,.7);border:1px solid var(--glass-border);text-decoration:none;color:var(--ink);transition:background .2s,transform .2s}
.mobile-menu-cta.primary{background:linear-gradient(135deg,var(--blue-500),var(--blue-700));color:#fff;border:none;box-shadow:0 14px 30px -14px rgba(20,84,242,.7)}
.mobile-menu-cta:hover{transform:translateY(-2px)}
.mobile-menu-cta .l{display:flex;flex-direction:column;gap:3px}
.mobile-menu-cta .t{font-size:15px;font-weight:600}
.mobile-menu-cta .s{font-size:11.5px;color:var(--ink-faint);letter-spacing:.01em}
.mobile-menu-cta.primary .s{color:rgba(255,255,255,.75)}
.mobile-menu-cta svg{width:14px;height:14px;opacity:.7;flex-shrink:0}
@media(min-width:921px){.mobile-menu{display:none}}

/* ---------- shared section primitives ---------- */
.eyebrow{font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:var(--blue-600);font-weight:700;display:block;margin-bottom:14px}
.section-head{max-width:640px}
.section-head h2{font-family:var(--serif);font-weight:700;font-size:clamp(1.9rem,3.6vw,2.9rem);letter-spacing:-.03em;line-height:1.05}
.section-head p{color:var(--ink-soft);font-size:1.05rem;margin-top:14px}
section{padding:60px 0}
.pill{display:inline-flex;align-items:center;gap:9px;padding:8px 16px;border-radius:999px;background:rgba(255,255,255,.6);border:1px solid var(--glass-border);font-size:.84rem;font-weight:600;color:var(--blue-700);backdrop-filter:blur(10px);box-shadow:inset 0 1px 0 rgba(255,255,255,.7)}
.dot{width:8px;height:8px;border-radius:50%;background:#22C55E;box-shadow:0 0 0 4px rgba(34,197,94,.18);animation:pulse 2.2s infinite}
@keyframes pulse{0%,100%{box-shadow:0 0 0 4px rgba(34,197,94,.18)}50%{box-shadow:0 0 0 7px rgba(34,197,94,.05)}}

/* ---------- hero (home) ---------- */
header.hero-wrap{position:relative;padding:170px 0 70px}
.hero{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
h1{font-family:var(--serif);font-weight:700;font-size:clamp(2.7rem,5.4vw,4.4rem);line-height:1.02;letter-spacing:-.035em;margin:22px 0 18px}
.hero-copy h1{font-weight:800;font-size:clamp(2.7rem,5.9vw,4.9rem);line-height:.98;letter-spacing:-.045em}
h1 .grad{background:linear-gradient(120deg,var(--blue-500),var(--blue-700));-webkit-background-clip:text;background-clip:text;color:transparent}
.lede{font-size:1.18rem;color:var(--ink-soft);max-width:34ch;margin-bottom:30px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hero-proof{display:flex;align-items:center;gap:14px;margin-top:30px;font-size:.9rem;color:var(--ink-soft);flex-wrap:wrap}
.hero-proof>span{flex:1 1 220px;min-width:0}
.avatars{display:flex}
.avatars img{width:38px;height:38px;border-radius:50%;border:2px solid #fff;margin-left:-12px;object-fit:cover;display:block;box-shadow:0 2px 10px rgba(10,27,61,.28)}
.avatars img:first-child{margin-left:0}
.hero-proof b{color:var(--ink)}
.hero-visual{position:relative;display:flex;justify-content:center;align-items:center;min-height:460px}
.hero-img-card{position:relative;z-index:2;width:100%;max-width:430px;transform-origin:50% 85%;animation:heroLift 5.2s ease-in-out infinite}
.hero-img-card img{width:100%;height:auto;filter:drop-shadow(0 30px 60px rgba(11,61,184,.35));animation:heroShadow 5.2s ease-in-out infinite}
.float-card{--card-scale:1;--card-scale-pop:1.04;position:absolute;z-index:3;background:var(--glass-strong);backdrop-filter:blur(18px) saturate(160%);-webkit-backdrop-filter:blur(18px) saturate(160%);border:1px solid var(--glass-border);border-radius:16px;padding:14px 18px;box-shadow:var(--shadow-card);display:flex;align-items:center;gap:12px;font-size:.86rem;transform-origin:center;will-change:transform}
.float-card b{font-family:var(--serif);display:block;font-size:.95rem}
.float-card span{color:var(--ink-faint);font-size:.78rem}
.fc-approve{top:6%;left:-14px;animation:cardFloatLeft 4.1s ease-in-out infinite}
.fc-approve .check{width:34px;height:34px;border-radius:50%;background:#22C55E;color:#fff;display:grid;place-items:center;font-weight:700;flex-shrink:0}
.fc-rate{bottom:16%;right:-10px;flex-direction:column;align-items:flex-start;gap:2px;animation:cardFloatRight 4.4s ease-in-out infinite}
.fc-rate .num{font-family:var(--serif);font-weight:800;font-size:1.5rem;color:var(--blue-700);line-height:1}
.fc-rate small{color:var(--ink-faint);font-size:.74rem}
.fc-rating{bottom:26px;left:8%;animation:cardFloatLow 4.8s ease-in-out infinite}
.fc-rating .stars{color:#FBBF24;letter-spacing:1px;display:block;font-size:.9rem}
.fc-rating span{font-size:.74rem;color:var(--ink-faint)}
@keyframes heroLift{
  0%,100%{transform:translate3d(0,8px,0) rotate(-1.4deg) scale(1)}
  50%{transform:translate3d(0,-24px,0) rotate(1.6deg) scale(1.035)}
}
@keyframes heroShadow{
  0%,100%{filter:drop-shadow(0 24px 44px rgba(11,61,184,.30))}
  50%{filter:drop-shadow(0 44px 72px rgba(11,61,184,.46))}
}
@keyframes cardFloatLeft{
  0%,100%{transform:translate3d(-4px,10px,0) rotate(-2deg) scale(var(--card-scale))}
  50%{transform:translate3d(14px,-28px,0) rotate(3deg) scale(var(--card-scale-pop))}
}
@keyframes cardFloatRight{
  0%,100%{transform:translate3d(8px,-8px,0) rotate(2deg) scale(var(--card-scale))}
  50%{transform:translate3d(-18px,26px,0) rotate(-3deg) scale(var(--card-scale-pop))}
}
@keyframes cardFloatLow{
  0%,100%{transform:translate3d(0,12px,0) rotate(1deg) scale(var(--card-scale))}
  50%{transform:translate3d(18px,-24px,0) rotate(-3deg) scale(var(--card-scale-pop))}
}

/* ---------- trust marquee ---------- */
.trust{margin:8px auto 0;text-align:center}
.trust p{font-size:.82rem;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-faint);font-weight:600;margin-bottom:22px}
.marquee{position:relative;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent);mask-image:linear-gradient(90deg,transparent,#000 12%,#000 88%,transparent)}
.marquee-track{display:flex;gap:46px;width:max-content;animation:scrollX 32s linear infinite;align-items:center}
.media-logo{font-family:var(--serif);font-weight:600;font-size:1.15rem;color:var(--ink-faint);white-space:nowrap;opacity:.75}
@keyframes scrollX{to{transform:translateX(-50%)}}

/* ---------- refinance calculator ---------- */
.calc-wrap{display:grid;grid-template-columns:1fr 1.1fr;gap:0;border-radius:var(--radius);overflow:hidden}
.calc-left{padding:46px;background:linear-gradient(150deg,var(--blue-600),var(--blue-700));color:#fff;position:relative;overflow:hidden}
.calc-left::after{content:"";position:absolute;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.18),transparent 70%);top:-80px;right:-80px}
.calc-left .eyebrow{color:var(--blue-300)}
.calc-left h3{font-family:var(--serif);font-size:2rem;letter-spacing:-.02em;line-height:1.08;margin-bottom:12px;position:relative}
.calc-left p{color:rgba(255,255,255,.82);font-size:.98rem;position:relative}
.field{margin-top:26px;position:relative}
.field label{display:flex;justify-content:space-between;font-size:.86rem;font-weight:600;margin-bottom:10px;color:rgba(255,255,255,.9)}
.field label .val{font-family:var(--serif);color:#fff;font-size:1rem}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;background:rgba(255,255,255,.25);outline:none}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;cursor:pointer;box-shadow:0 4px 12px rgba(0,0,0,.3);transition:transform .2s}
input[type=range]::-webkit-slider-thumb:hover{transform:scale(1.15)}
input[type=range]::-moz-range-thumb{width:22px;height:22px;border:none;border-radius:50%;background:#fff;cursor:pointer;box-shadow:0 4px 12px rgba(0,0,0,.3)}
.calc-right{padding:46px;background:var(--glass-strong);backdrop-filter:blur(22px) saturate(160%);-webkit-backdrop-filter:blur(22px) saturate(160%);border:1px solid var(--glass-border);display:flex;flex-direction:column;justify-content:center}
.savings-label{font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-faint);font-weight:600}
.savings-big{font-family:var(--serif);font-weight:800;font-size:clamp(2.8rem,5vw,3.8rem);line-height:1;letter-spacing:-.03em;background:linear-gradient(120deg,var(--blue-500),var(--blue-700));-webkit-background-clip:text;background-clip:text;color:transparent;margin:8px 0 4px}
.savings-sub{color:var(--ink-soft);font-size:.95rem;margin-bottom:26px}
.savings-rows{display:flex;flex-direction:column;gap:1px;background:rgba(10,27,61,.08);border-radius:14px;overflow:hidden;margin-bottom:26px}
.srow{display:flex;justify-content:space-between;padding:14px 18px;background:rgba(255,255,255,.7);font-size:.92rem}
.srow span{color:var(--ink-soft)}
.srow b{font-family:var(--serif);color:var(--ink)}
.srow.hi b{color:var(--blue-700)}
.calc-note{font-size:.76rem;color:var(--ink-faint);margin-top:16px;text-align:center}

/* ---------- bento ---------- */
.bento{display:grid;grid-template-columns:repeat(3,1fr);grid-auto-rows:minmax(180px,auto);gap:18px;margin-top:42px}
.cell{border-radius:var(--radius);padding:30px;position:relative;overflow:hidden;background:var(--glass);backdrop-filter:blur(18px) saturate(150%);-webkit-backdrop-filter:blur(18px) saturate(150%);border:1px solid var(--glass-border);box-shadow:var(--shadow-card),inset 0 1px 0 rgba(255,255,255,.6);transition:transform .45s var(--ease),box-shadow .45s var(--ease)}
.cell:hover{transform:translateY(-6px);box-shadow:0 36px 70px -30px rgba(20,84,242,.4),inset 0 1px 0 rgba(255,255,255,.7)}
.cell .ico{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,var(--blue-500),var(--blue-700));color:#fff;margin-bottom:18px;font-size:1.3rem}
.cell h4{font-family:var(--serif);font-size:1.22rem;letter-spacing:-.01em;margin-bottom:8px}
.cell p{color:var(--ink-soft);font-size:.95rem}
.cell.span2{grid-column:span 2}
.cell.feature{background:linear-gradient(150deg,var(--ink),var(--blue-700));color:#fff;display:flex;flex-direction:column;justify-content:space-between}
.cell.feature::after{content:"";position:absolute;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.16),transparent 70%);bottom:-70px;right:-50px}
.cell.feature .ico{background:rgba(255,255,255,.18)}
.cell.feature h4{font-size:1.7rem;line-height:1.1}
.cell.feature p{color:rgba(255,255,255,.85)}
.big-stat{font-family:var(--serif);font-weight:800;font-size:3.6rem;line-height:1;letter-spacing:-.03em}

/* ---------- process steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:42px;counter-reset:step}
.step{position:relative;overflow:hidden;padding:32px 26px;border-radius:var(--radius);background:var(--glass);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border:1px solid var(--glass-border);box-shadow:var(--shadow-card);transition:transform .5s var(--ease),box-shadow .5s var(--ease),border-color .5s var(--ease),background .5s var(--ease)}
.step::before{counter-increment:step;content:"0" counter(step);font-family:var(--serif);font-weight:700;font-size:2.6rem;color:var(--blue-300);opacity:.45;line-height:1;display:block;margin-bottom:14px;transition:color .5s var(--ease),opacity .5s var(--ease),transform .5s var(--ease)}
.step h4{font-family:var(--serif);font-size:1.18rem;margin-bottom:6px}
.step p{font-size:.9rem;color:var(--ink-soft)}
/* scroll light-up: each step glows as it scrolls into view */
.step .step-bar{position:absolute;left:0;top:0;height:3px;width:0;background:linear-gradient(90deg,var(--blue-500),var(--blue-700));border-radius:0 3px 3px 0;transition:width .7s var(--ease)}
.step.lit{background:var(--glass-strong);border-color:var(--blue-400);box-shadow:0 30px 60px -28px rgba(20,84,242,.55),inset 0 1px 0 rgba(255,255,255,.7);transform:translateY(-4px)}
.step.lit::before{color:var(--blue-600);opacity:1;transform:scale(1.04)}
.step.lit .step-bar{width:100%}

/* ---------- compare ---------- */
.compare{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin-top:42px}
.col{border-radius:var(--radius);padding:34px;border:1px solid var(--glass-border)}
.col.with{background:var(--glass-strong);backdrop-filter:blur(20px);-webkit-backdrop-filter:blur(20px);box-shadow:var(--shadow-card)}
.col.without{background:linear-gradient(160deg,rgba(244,63,94,.10),rgba(244,63,94,.05));box-shadow:0 18px 50px -30px rgba(225,29,72,.4);border:1px solid rgba(244,63,94,.28)}
.col h4{font-family:var(--serif);font-size:1.35rem;margin-bottom:20px;display:flex;align-items:center;gap:10px}
.col.with h4{color:var(--blue-700)}
.col.without h4{color:#B91C1C}
.col ul{list-style:none;display:flex;flex-direction:column;gap:14px}
.col li{display:flex;gap:12px;font-size:.98rem;color:var(--ink-soft)}
.col.without li{color:#7F1D1D}
.col li .mk{flex-shrink:0;width:24px;height:24px;border-radius:50%;display:grid;place-items:center;font-size:.7rem;font-weight:700}
.with .mk{background:rgba(34,197,94,.15);color:#16A34A}
.without .mk{background:rgba(244,63,94,.18);color:#DC2626}

/* ---------- lenders ---------- */
.lenders{display:flex;flex-wrap:wrap;gap:12px;margin-top:38px;justify-content:center}
.lender{padding:13px 24px;border-radius:14px;background:var(--glass);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid var(--glass-border);font-family:var(--serif);font-weight:600;font-size:1.02rem;color:var(--ink-soft);box-shadow:0 8px 24px -16px rgba(10,27,61,.3);transition:transform .3s var(--ease),color .3s,background .3s}
.lender:hover{transform:translateY(-4px);color:var(--blue-700);background:#fff}
/* lender logo cards (real logos from the original site) */
.lender-logos{display:grid;grid-template-columns:repeat(5,1fr);gap:16px;margin-top:38px}
.lender-logo{display:flex;align-items:center;justify-content:center;height:96px;padding:18px;border-radius:18px;background:#fff;border:1px solid var(--glass-border);box-shadow:var(--shadow-card);transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.lender-logo:hover{transform:translateY(-4px);box-shadow:0 30px 60px -28px rgba(20,84,242,.35)}
.lender-logo img{max-height:52px;max-width:100%;width:auto;object-fit:contain}
.lender-logo-more{background:linear-gradient(135deg,rgba(255,255,255,.92),rgba(232,240,255,.92));color:var(--blue-700);font-family:var(--serif);font-size:1.08rem;font-weight:800;letter-spacing:-.01em}
.lenders-more{text-align:center;margin-top:24px;font-family:var(--serif);font-weight:600;font-size:1.05rem;color:var(--ink-soft)}
.lenders-more b{color:var(--blue-700)}
@media(max-width:920px){.lender-logos{grid-template-columns:repeat(3,1fr)}}
@media(max-width:480px){.lender-logos{grid-template-columns:repeat(2,1fr)}}

/* banking partners landing visual */
.banking-hero-visual{padding-top:0}
.banking-hero-layout{display:grid;grid-template-columns:minmax(260px,.82fr) minmax(0,1.18fr);gap:36px;align-items:center}
.banking-hero-copy h2{font-family:var(--serif);font-size:clamp(2rem,4vw,3rem);line-height:1;letter-spacing:-.03em;margin:12px 0 14px}
.banking-hero-copy p{font-size:1.02rem;color:var(--ink-soft);max-width:35ch}
.banking-hero-logos{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px}
.banking-hero-logo{min-height:104px;display:flex;align-items:center;justify-content:center;padding:18px;border-radius:18px;background:rgba(255,255,255,.88);border:1px solid var(--glass-border);box-shadow:0 20px 50px -30px rgba(10,27,61,.45);text-decoration:none;transition:transform .3s var(--ease),box-shadow .3s var(--ease),background .3s var(--ease)}
.banking-hero-logo:hover{transform:translateY(-4px);background:#fff;box-shadow:0 32px 62px -34px rgba(20,84,242,.45)}
.banking-hero-logo img{max-width:86%;max-height:48px;width:auto;object-fit:contain}
.banking-hero-logo img[src$="eastwest.png"]{max-height:40px}
.banking-hero-logo.more{font-family:var(--serif);font-size:1rem;font-weight:800;color:var(--blue-700);background:linear-gradient(135deg,rgba(255,255,255,.86),rgba(218,230,255,.88))}
@media(max-width:820px){
  .banking-hero-layout{grid-template-columns:1fr;gap:26px}
  .banking-hero-copy{text-align:center}
  .banking-hero-copy p{margin:0 auto}
  .banking-hero-logos{grid-template-columns:repeat(2,minmax(0,1fr))}
  .banking-hero-logo{min-height:88px}
}
@media(max-width:380px){
  .banking-hero-logo{min-height:78px;padding:14px}
  .banking-hero-logo img{max-height:38px}
}

/* press / "as seen in" scrolling banner (real media logos, normalised height) */
.press-strip{padding:34px 0;background:#fff;border-top:1px solid var(--hair);border-bottom:1px solid var(--hair);margin:10px 0}
.press-strip p{text-align:center;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--ink-faint);font-weight:600;margin-bottom:24px}
.press-marquee{position:relative;overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent);mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.press-track{--press-gap:64px;display:flex;align-items:center;width:max-content;animation:pressScroll 24s linear infinite;will-change:transform}
.press-group{display:flex;align-items:center;gap:var(--press-gap);padding-right:var(--press-gap);flex:0 0 auto}
.press-track img{height:30px;width:auto;object-fit:contain;opacity:.74;filter:grayscale(100%);transition:opacity .3s,filter .3s;flex:0 0 auto}
.press-track img:hover{opacity:1;filter:grayscale(0)}
@keyframes pressScroll{to{transform:translate3d(-50%,0,0)}}
@media(max-width:560px){.press-marquee{-webkit-mask-image:linear-gradient(90deg,transparent,#000 4%,#000 96%,transparent);mask-image:linear-gradient(90deg,transparent,#000 4%,#000 96%,transparent)}.press-track{--press-gap:24px;animation-duration:18s}.press-track img{height:25px;opacity:.82}}

/* ---------- Google Reviews marquee (template1 / witness pattern) ---------- */
.gr-summary{display:flex;align-items:center;justify-content:space-between;gap:32px;padding:24px 28px;background:var(--glass-strong);backdrop-filter:blur(20px) saturate(160%);-webkit-backdrop-filter:blur(20px) saturate(160%);border:1px solid var(--glass-border);border-radius:20px;margin-bottom:30px;flex-wrap:wrap;box-shadow:var(--shadow-card)}
.gr-sum-left{display:flex;align-items:center;gap:20px}
.gr-logo{width:48px;height:48px;border-radius:999px;background:#fff;border:1px solid var(--glass-border);display:flex;align-items:center;justify-content:center;flex-shrink:0}
.gr-meta-top{display:flex;align-items:baseline;gap:10px}
.gr-score{font-family:var(--serif);font-size:28px;font-weight:700;letter-spacing:-.03em;color:var(--ink)}
.gr-stars{display:inline-flex;gap:1px;color:#FBBF24;font-size:17px;letter-spacing:-1px}
.gr-sub{font-size:13px;color:var(--ink-soft);margin-top:2px}
.gr-sub strong{color:var(--ink);font-weight:600}
.gr-cta{display:inline-flex;align-items:center;gap:8px;padding:11px 18px;border-radius:999px;font-size:13px;font-weight:600;color:var(--ink);border:1px solid var(--glass-border);background:rgba(255,255,255,.6);text-decoration:none;transition:background .25s,transform .25s,color .25s}
.gr-cta:hover{background:var(--ink);color:#fff;border-color:var(--ink);transform:translateY(-1px)}
.gr-cta svg{width:12px;height:12px}
.gr-marquee{position:relative;overflow:hidden;margin:0 0 16px;padding:8px 0;min-height:184px;isolation:isolate;contain:layout}
.gr-marquee::before,.gr-marquee::after{content:'';position:absolute;top:0;bottom:0;width:64px;z-index:2;pointer-events:none}
.gr-marquee::before{left:0;background:linear-gradient(90deg,var(--bg),transparent)}
.gr-marquee::after{right:0;background:linear-gradient(-90deg,var(--bg),transparent)}
.gr-marquee:last-child{margin-bottom:0}
.gr-track{display:flex;gap:20px;width:max-content;will-change:transform}
.gr-card{flex:0 0 360px;background:var(--glass-strong);backdrop-filter:blur(14px) saturate(150%);-webkit-backdrop-filter:blur(14px) saturate(150%);border:1px solid var(--glass-border);border-radius:18px;padding:20px 22px;display:flex;flex-direction:column;gap:12px;box-shadow:var(--shadow-card)}
.gr-card-head{display:flex;align-items:center;gap:14px}
.gr-avatar{width:46px;height:46px;border-radius:999px;color:#fff;font-weight:600;font-size:14px;display:flex;align-items:center;justify-content:center;flex-shrink:0;letter-spacing:0;object-fit:cover}
.gr-avatar-photo{background:#fff;border:2px solid #fff;box-shadow:0 5px 16px rgba(10,27,61,.2)}
.gr-who{flex:1;min-width:0}
.gr-name{font-family:var(--serif);font-size:14px;font-weight:600;letter-spacing:-.01em;color:var(--ink);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.gr-date{font-size:11.5px;color:var(--ink-faint);margin-top:2px}
.gr-g-mark{flex-shrink:0}
.gr-stars-row{display:flex;gap:2px}
.gr-s{width:15px;height:15px;fill:#e2e6ef}
.gr-s.on{fill:#FBBF24}
.gr-text{font-size:13.5px;line-height:1.55;color:var(--ink-soft);display:-webkit-box;-webkit-line-clamp:5;-webkit-box-orient:vertical;overflow:hidden}

/* ---------- final CTA ---------- */
.cta-final{margin:30px 0 90px}
.cta-card{border-radius:36px;padding:64px;text-align:center;position:relative;overflow:hidden;background:linear-gradient(150deg,var(--blue-600),var(--blue-700));color:#fff;box-shadow:0 40px 80px -30px rgba(20,84,242,.7)}
.cta-card::before{content:"";position:absolute;width:400px;height:400px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.16),transparent 70%);top:-160px;left:-100px}
.cta-card::after{content:"";position:absolute;width:360px;height:360px;border-radius:50%;background:radial-gradient(circle,rgba(93,141,255,.4),transparent 70%);bottom:-160px;right:-80px}
.cta-card h2{font-family:var(--serif);font-size:clamp(2.2rem,4vw,3.2rem);letter-spacing:-.03em;position:relative}
.cta-card p{color:rgba(255,255,255,.85);font-size:1.12rem;margin:16px auto 32px;max-width:46ch;position:relative}
.cta-card .btn-primary{background:#fff;color:var(--blue-700);position:relative}
.cta-card .btn-primary:hover{background:#fff;box-shadow:0 22px 50px -16px rgba(0,0,0,.4)}
.cta-card .meta{margin-top:18px;font-size:.86rem;color:rgba(255,255,255,.78);position:relative}

/* ---------- inner page hero ---------- */
.page-hero{position:relative;padding:160px 0 50px;text-align:center}
.page-hero .wrap{max-width:820px}
.breadcrumb{display:flex;gap:8px;justify-content:center;font-size:.82rem;color:var(--ink-faint);margin-bottom:18px;flex-wrap:wrap}
.breadcrumb a{color:var(--ink-soft);text-decoration:none}
.breadcrumb a:hover{color:var(--blue-600)}
.page-hero h1{font-size:clamp(2.4rem,4.6vw,3.6rem);margin:14px 0 16px}
.page-hero .lede{font-size:1.18rem;color:var(--ink-soft);max-width:60ch;margin:0 auto}

/* prose / content */
.prose{max-width:760px;margin:0 auto}
.prose p{color:var(--ink-soft);font-size:1.05rem;margin-bottom:18px}
.prose h2{font-family:var(--serif);font-size:1.8rem;letter-spacing:-.02em;margin:40px 0 14px}
.prose h3{font-family:var(--serif);font-size:1.3rem;margin:28px 0 10px}
.prose ul{list-style:none;display:flex;flex-direction:column;gap:12px;margin:18px 0}
.prose ul li{display:flex;gap:12px;color:var(--ink-soft);font-size:1.02rem}
.prose ul li::before{content:"✓";flex-shrink:0;width:24px;height:24px;border-radius:50%;background:rgba(34,197,94,.15);color:#16A34A;display:grid;place-items:center;font-size:.72rem;font-weight:700}

/* info grid (cards) */
.info-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;margin-top:42px}
.info-card{border-radius:var(--radius);padding:30px;background:var(--glass);backdrop-filter:blur(18px) saturate(150%);-webkit-backdrop-filter:blur(18px) saturate(150%);border:1px solid var(--glass-border);box-shadow:var(--shadow-card);transition:transform .4s var(--ease)}
.info-card:hover{transform:translateY(-6px)}
.loan-type-grid{grid-template-columns:repeat(3,minmax(0,1fr));align-items:stretch}
.loan-card{display:block;text-decoration:none;color:inherit;height:100%}
.loan-card p{margin-bottom:18px}
.loan-card .learn{font-size:.84rem;font-weight:700;color:var(--blue-700);display:inline-flex;align-items:center;gap:7px}
.info-card .ico{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;background:linear-gradient(135deg,var(--blue-500),var(--blue-700));color:#fff;margin-bottom:18px;font-size:1.3rem}
.info-card h3{font-family:var(--serif);font-size:1.22rem;margin-bottom:8px}
.info-card p{color:var(--ink-soft);font-size:.95rem}

/* stat band */
.stat-band{display:grid;grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:20px;margin-top:42px}
.stat{text-align:center;padding:28px 18px;border-radius:var(--radius);background:var(--glass);backdrop-filter:blur(16px);-webkit-backdrop-filter:blur(16px);border:1px solid var(--glass-border)}
.stat .num{display:block;font-family:var(--serif);font-weight:800;font-size:2.6rem;line-height:1;letter-spacing:-.03em;background:linear-gradient(120deg,var(--blue-500),var(--blue-700));-webkit-background-clip:text;background-clip:text;color:transparent}
.stat .lbl{display:block;font-size:.86rem;color:var(--ink-soft);margin-top:10px;line-height:1.35}

/* contact channels */
.channel-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin-top:36px}
.channel-card{display:flex;align-items:center;gap:16px;padding:22px;border-radius:18px;background:var(--glass-strong);backdrop-filter:blur(18px);-webkit-backdrop-filter:blur(18px);border:1px solid var(--glass-border);box-shadow:var(--shadow-card);text-decoration:none;color:var(--ink);transition:transform .3s var(--ease)}
.channel-card:hover{transform:translateY(-4px)}
.channel-card .ch-ico{width:46px;height:46px;border-radius:12px;display:grid;place-items:center;background:linear-gradient(135deg,var(--blue-500),var(--blue-700));color:#fff;flex-shrink:0}
.channel-card .ch-ico.brand{background:none;border:none;box-shadow:none;padding:0;border-radius:12px;overflow:hidden}
.channel-card .ch-ico.brand img{width:100%;height:100%;object-fit:contain;display:block}
.channel-card b{font-family:var(--serif);font-size:1.05rem;display:block}
.channel-card span{font-size:.84rem;color:var(--ink-faint)}

/* form */
.lead-form{display:grid;gap:16px;max-width:560px;margin:0 auto}
.lead-form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.lead-form label{font-size:.84rem;font-weight:600;color:var(--ink-soft);display:block;margin-bottom:6px}
.lead-form input,.lead-form select,.lead-form textarea{width:100%;padding:13px 16px;border-radius:12px;border:1px solid var(--glass-border);background:rgba(255,255,255,.7);font-family:var(--sans);font-size:.95rem;color:var(--ink);transition:border-color .2s,box-shadow .2s}
.lead-form input:focus,.lead-form select:focus,.lead-form textarea:focus{outline:none;border-color:var(--blue-500);box-shadow:0 0 0 4px rgba(46,107,255,.14)}
.lead-form textarea{resize:vertical;min-height:120px}
.hp-field{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-note{font-size:.78rem;color:var(--ink-faint);text-align:center}

/* FAQ accordion */
.faq-list{max-width:780px;margin:36px auto 0;display:flex;flex-direction:column;gap:12px}
.faq-item{border-radius:16px;background:var(--glass);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid var(--glass-border);overflow:hidden}
.faq-item summary{cursor:pointer;list-style:none;padding:20px 24px;font-family:var(--serif);font-weight:600;font-size:1.05rem;display:flex;justify-content:space-between;align-items:center;gap:16px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:1.5rem;color:var(--blue-500);transition:transform .3s;flex-shrink:0}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item .faq-a{padding:0 24px 22px;color:var(--ink-soft);font-size:.98rem;line-height:1.6}

/* partner grid (banks) */
.partner-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));gap:14px;margin-top:42px}
.partner{display:flex;align-items:center;justify-content:center;padding:26px 18px;border-radius:16px;background:var(--glass-strong);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border:1px solid var(--glass-border);font-family:var(--serif);font-weight:700;font-size:1.1rem;color:var(--ink-soft);box-shadow:var(--shadow-card);transition:transform .3s var(--ease),color .3s}
.partner:hover{transform:translateY(-4px);color:var(--blue-700)}
.property-grid{grid-template-columns:repeat(5,minmax(130px,1fr));max-width:940px;margin-left:auto;margin-right:auto}

/* process landing visual */
.process-hero-visual{padding-top:0}
.process-flow{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;max-width:1040px;margin:0 auto}
.process-flow-card{min-height:144px;padding:22px;border-radius:22px;background:rgba(255,255,255,.78);border:1px solid var(--glass-border);box-shadow:var(--shadow-card);display:flex;flex-direction:column;justify-content:space-between}
.process-flow-card .n{font-family:var(--serif);font-weight:800;font-size:2.1rem;line-height:1;color:var(--blue-500)}
.process-flow-card strong{font-family:var(--serif);font-size:1.12rem;line-height:1.1;color:var(--ink)}
.process-flow-card span:last-child{font-size:.88rem;color:var(--ink-soft)}
.process-flow-card:nth-child(2),.process-flow-card:nth-child(4){transform:translateY(18px)}

.loan-explain .section-head,.loan-explain .prose,.about-story .section-head,.about-story .prose{margin-left:0;margin-right:0}
/* When a content section pairs a left-aligned .section-head directly with a .prose body (banking-partner & landing pages), keep the body's left edge aligned with the heading instead of centering it. Blog article reading columns have no .section-head sibling, so they stay centered. */
.section-head + .prose{margin-left:0;margin-right:0}
.about-story figure{max-width:920px}

/* ---------- footer ---------- */
footer{padding:60px 0 40px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px;padding:42px;border-radius:var(--radius)}
.foot-brand .brand{font-size:1.7rem;margin-bottom:14px}
.foot-brand p{color:var(--ink-soft);font-size:.95rem;max-width:32ch;margin-bottom:18px}
.foot-social{display:flex;gap:10px}
.foot-social a{width:38px;height:38px;border-radius:999px;background:rgba(255,255,255,.6);border:1px solid var(--glass-border);display:grid;place-items:center;color:var(--ink-soft);transition:background .2s,color .2s,transform .2s}
.foot-social a:hover{background:var(--blue-600);color:#fff;transform:translateY(-2px)}
.foot-social svg{width:18px;height:18px}
.foot-col h5{font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;color:var(--ink-faint);margin-bottom:16px;font-weight:700}
.foot-col a{display:block;color:var(--ink-soft);text-decoration:none;font-size:.94rem;margin-bottom:11px;transition:color .25s}
.foot-col a:hover{color:var(--blue-700)}
.foot-nap{font-size:.88rem;color:var(--ink-soft);margin-top:6px;line-height:1.5}
.foot-bottom{display:flex;justify-content:space-between;align-items:center;margin-top:30px;padding-top:24px;border-top:1px solid rgba(10,27,61,.1);font-size:.86rem;color:var(--ink-faint);flex-wrap:wrap;gap:12px}
.foot-legal a{color:var(--ink-soft);text-decoration:none;font-weight:600}
.foot-legal a:hover{color:var(--blue-700)}
.footer-credit a{color:var(--ink-soft);text-decoration:none;font-weight:600}
.footer-credit a:hover{color:var(--blue-700)}

/* ---------- mobile sticky CTA (chat-first; G8 adapted — no public phone) ---------- */
.sticky-cta{display:none}
@media(max-width:920px){
  .sticky-cta{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:90;box-shadow:0 -8px 30px -10px rgba(10,27,61,.3)}
  .sticky-cta a{flex:1;display:flex;align-items:center;justify-content:center;gap:8px;padding:15px 10px;font-weight:600;font-size:.96rem;text-decoration:none;color:#fff}
  .sticky-cta .sc-chat{background:linear-gradient(135deg,var(--blue-500),var(--blue-700))}
  .sticky-cta .sc-apply{background:#0a0a0a}
  .sticky-cta svg{width:18px;height:18px}
}

/* ---------- reveal animations ---------- */
.reveal{opacity:0;transform:translateY(30px);transition:opacity .9s var(--ease),transform .9s var(--ease)}
.reveal.in{opacity:1;transform:none}
.stagger>*{opacity:0;transform:translateY(26px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.stagger.in>*{opacity:1;transform:none}
.stagger.in>*:nth-child(2){transition-delay:.08s}
.stagger.in>*:nth-child(3){transition-delay:.16s}
.stagger.in>*:nth-child(4){transition-delay:.24s}
.stagger.in>*:nth-child(5){transition-delay:.32s}
.stagger.in>*:nth-child(6){transition-delay:.4s}
.pl{opacity:0;transform:translateY(24px);animation:plUp .9s var(--ease) forwards}
.pl-1{animation-delay:.05s}.pl-2{animation-delay:.18s}.pl-3{animation-delay:.31s}.pl-4{animation-delay:.44s}.pl-5{animation-delay:.57s}
@keyframes plUp{to{opacity:1;transform:none}}
.hero-visual.pl{animation-delay:.3s}

/* ---------- responsive ---------- */
@media(max-width:1100px){.gr-card{flex:0 0 320px}}
@media(max-width:920px){
  .hero{grid-template-columns:1fr;gap:50px}
  .hero-visual{min-height:auto;margin-top:6px}
  .calc-wrap{grid-template-columns:1fr}
  .bento{grid-template-columns:1fr 1fr}
  .cell.span2{grid-column:span 2}
  .steps{grid-template-columns:1fr 1fr}
  .compare{grid-template-columns:1fr}
  .loan-type-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .property-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
  .process-flow{grid-template-columns:repeat(2,minmax(0,1fr))}
  .process-flow-card:nth-child(2),.process-flow-card:nth-child(4){transform:none}
  .foot-grid{grid-template-columns:1fr 1fr}
  .nav-links,.nav-cta .btn-ghost{display:none}
  .nav-toggle{display:inline-flex}
  body{padding-bottom:56px}
}
@media(max-width:560px){
  .wrap{padding:0 18px}
  header.hero-wrap{padding:140px 0 40px}
  .page-hero{padding:130px 0 40px}
  .bento{grid-template-columns:1fr}
  .cell.span2{grid-column:span 1}
  .steps{grid-template-columns:1fr}
  .loan-type-grid,.property-grid,.process-flow{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .float-card{--card-scale:.84;--card-scale-pop:.88}
  .calc-left,.calc-right{padding:32px}
  .cta-card{padding:42px 26px}
  .gr-card{flex:0 0 280px}
  .gr-marquee-reverse{display:none}
  .lead-form .row{grid-template-columns:1fr}
  section{padding:46px 0}
}
@media(prefers-reduced-motion:reduce){
  *{animation:none!important;transition:none!important}
  .reveal,.stagger>*,.pl{opacity:1!important;transform:none!important}
  .gr-track{transform:none!important}
}

/* ---------- v3.1 fixes ---------- */
/* emoji / icon squares: white with a light grey border (not blue) */
.cell .ico,.info-card .ico,.ch-ico,.cell.feature .ico{background:#fff;border:1px solid #E3E8F2;color:var(--blue-600);box-shadow:0 2px 10px rgba(10,27,61,.06)}
.cell.feature .ico{border-color:rgba(255,255,255,.5)}
/* decorative gradient pseudo-elements must never intercept clicks (fixes CTA button) */
.cta-card::before,.cta-card::after,.calc-left::after,.cell.feature::after,.aurora{pointer-events:none}
.cta-card>*{position:relative;z-index:1}

/* ---------- content / article imagery (v3.1) ---------- */
.feature-img{width:100%;height:auto;max-height:460px;object-fit:cover;border-radius:var(--radius);box-shadow:var(--shadow-card);display:block;margin:0 auto 30px}
.page-hero .feature-img{margin-top:26px}
.prose figure{margin:30px 0}
.prose figure img{width:100%;border-radius:var(--radius-sm);box-shadow:var(--shadow-card);display:block}
.prose figcaption{font-size:.82rem;color:var(--ink-faint);text-align:center;margin-top:10px}
.media-row{display:grid;grid-template-columns:1.05fr .95fr;gap:36px;align-items:center;margin:8px 0}
.media-row img{width:100%;height:auto;border-radius:var(--radius);box-shadow:var(--shadow-card);object-fit:cover}
.media-row .info-grid,.media-row .prose{margin-top:0}
.media-row .section-head{max-width:none}
@media(max-width:760px){.media-row{grid-template-columns:1fr;gap:24px}}

/* nav buttons must not wrap (v3.2) */
.btn{white-space:nowrap}

/* ---------- v3.3 polish pass ---------- */
/* Article CTAs live inside .prose, so restate the contrast after prose text rules. */
.prose .cta-card h2{color:#fff}
.prose .cta-card p{color:rgba(255,255,255,.88)}
.prose .cta-card .btn-ghost{background:rgba(255,255,255,.20);color:#fff;border-color:rgba(255,255,255,.55)}
.prose .cta-card .btn-ghost:hover{background:rgba(255,255,255,.30);color:#fff}

/* Contact cards: stack the channel label/description beside the icon without overflow. */
.channel-card{display:grid;grid-template-columns:46px minmax(0,1fr);grid-template-rows:auto auto;align-items:center;column-gap:16px;row-gap:2px}
.channel-card .ch-ico{grid-row:1 / span 2}
.channel-card b,.channel-card span{grid-column:2;min-width:0}
.channel-card span{line-height:1.35;overflow-wrap:anywhere}

/* EastWest has a taller source mark than the other homepage lender logos. */
.lender-logo img[src$="eastwest.png"]{max-height:42px}

/* Final CTA: grey, image-backed treatment inspired by the Brisbane reference build. */
.cta-final .cta-card{
  display:grid;
  grid-template-columns:minmax(0,1fr) auto;
  align-items:center;
  gap:12px 36px;
  min-height:250px;
  padding:52px 56px;
  text-align:left;
  border-radius:26px;
  background:linear-gradient(90deg,#3f4652,#5b6270);
  box-shadow:0 38px 80px -34px rgba(10,27,61,.55);
}
.cta-final .cta-card::before{
  content:"";
  display:block;
  position:absolute;
  top:50%;
  left:auto;
  right:32px;
  width:min(36%,360px);
  height:auto;
  aspect-ratio:603 / 738;
  transform:translateY(-50%);
  background:url("/clients/nook/img/cta-portrait.webp") center bottom/contain no-repeat;
  border-radius:0;
  opacity:.82;
  z-index:0;
  pointer-events:none;
}
.cta-final .cta-card::after{display:none}
.cta-final .cta-card h2{grid-column:1;color:#fff;max-width:17ch;margin:0}
.cta-final .cta-card p{grid-column:1;color:rgba(255,255,255,.84);max-width:46ch;margin:0}
.cta-final .cta-card .btn{grid-column:2;grid-row:1 / span 3;justify-self:end}
.cta-final .cta-card .btn-primary{background:#fff;color:var(--ink);box-shadow:none}
.cta-final .cta-card .btn-primary:hover{background:#fff;box-shadow:0 18px 42px -18px rgba(0,0,0,.5)}
.cta-final .cta-card .meta{grid-column:1;margin-top:8px;color:rgba(255,255,255,.74)}

@media(max-width:760px){
  .reveal,.stagger>*{opacity:1;transform:none}
  .cta-final .cta-card{
    grid-template-columns:1fr;
    min-height:520px;
    padding:38px 26px 190px;
    background:linear-gradient(180deg,#3f4652,#5b6270);
  }
  .cta-final .cta-card::before{
    top:auto;
    left:auto;
    right:-10px;
    bottom:-70px;
    width:56%;
    transform:none;
    opacity:.72;
  }
  .cta-final .cta-card .btn{grid-column:1;grid-row:auto;justify-self:start}
}