@import url("https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800;900&family=Manrope:wght@600;700;800&display=swap");

:root {
  --green-500: #14b87a;
  --green-600: #0e9a64;
  --green-700: #08764d;
  --green-50: #e8f9f0;
  --ink-950: #07111f;
  --ink-900: #0f172a;
  --ink-700: #334155;
  --ink-600: #475569;
  --ink-500: #64748b;
  --ink-200: #e2e8f0;
  --ink-100: #f1f5f9;
  --white: #ffffff;
  --gold: #d4a017;
  --maxw: 1200px;
  --radius: 14px;
  --radius-lg: 28px;
  --shadow-sm: 0 2px 8px rgba(15, 23, 42, 0.06);
  --shadow-md: 0 10px 30px rgba(15, 23, 42, 0.12);
  --shadow-lg: 0 28px 60px rgba(15, 23, 42, 0.2);
  --sans: Inter, system-ui, -apple-system, "Segoe UI", Roboto, Arial, sans-serif;
  --display: Manrope, Inter, system-ui, sans-serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  -webkit-text-size-adjust: 100%;
}

body {
  margin: 0;
  font-family: var(--sans);
  font-size: 17px;
  line-height: 1.65;
  color: var(--ink-700);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}

img,
video,
iframe {
  display: block;
  max-width: 100%;
  height: auto;
}

a {
  color: var(--green-600);
  text-decoration: none;
}

a:hover {
  text-decoration: underline;
}

a:focus-visible,
button:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible,
summary:focus-visible {
  outline: 3px solid rgba(20, 184, 122, 0.45);
  outline-offset: 3px;
}

h1,
h2,
h3,
h4 {
  margin: 0 0 0.6em;
  font-family: var(--display);
  color: var(--ink-900);
  line-height: 1.12;
  letter-spacing: 0;
}

h1 {
  font-size: clamp(2.25rem, 5.4vw, 4.3rem);
  font-weight: 800;
}

h2 {
  font-size: clamp(1.7rem, 3.3vw, 2.65rem);
  font-weight: 800;
}

h3 {
  font-size: 1.35rem;
  font-weight: 800;
}

h4 {
  font-size: 1.08rem;
  font-weight: 800;
}

p {
  margin: 0 0 1em;
}

.container {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 24px;
}

.section {
  padding: 82px 0;
}

.section-tight {
  padding: 56px 0;
}

.tinted {
  background: var(--ink-100);
}

.dark {
  background: var(--ink-900);
  color: rgba(255, 255, 255, 0.82);
}

.dark h2,
.dark h3,
.dark h4 {
  color: var(--white);
}

.center {
  text-align: center;
}

.lede,
.lead {
  font-size: 1.16rem;
  color: var(--ink-700);
}

.muted {
  color: var(--ink-500);
}

.eyebrow {
  display: inline-block;
  margin-bottom: 12px;
  color: var(--green-600);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.btn,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 46px;
  padding: 14px 24px;
  border: 0;
  border-radius: 999px;
  background: var(--green-500);
  color: var(--white);
  font-family: var(--display);
  font-weight: 800;
  font-size: 1rem;
  text-decoration: none;
  cursor: pointer;
  box-shadow: var(--shadow-sm);
  transition: transform 150ms ease, box-shadow 150ms ease, background 150ms ease, border-color 150ms ease;
}

.btn:hover,
.button:hover {
  transform: translateY(-1px);
  background: var(--green-600);
  box-shadow: var(--shadow-md);
  text-decoration: none;
}

.btn-secondary,
.button.secondary {
  background: var(--white);
  color: var(--ink-900);
  border: 2px solid var(--ink-200);
  box-shadow: none;
}

.btn-secondary:hover,
.button.secondary:hover {
  background: var(--white);
  border-color: var(--ink-900);
}

.button.light {
  background: var(--green-50);
  color: var(--green-700);
  box-shadow: none;
}

.btn-large {
  min-height: 56px;
  padding: 17px 32px;
  font-size: 1.08rem;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.93);
  border-bottom: 1px solid var(--ink-200);
  backdrop-filter: blur(12px);
}

.site-header .container {
  max-width: 1380px;
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  min-height: 68px;
}

.brand {
  display: grid;
  grid-template-columns: 38px auto;
  grid-template-rows: auto auto;
  align-items: center;
  flex: 0 1 auto;
  column-gap: 10px;
  row-gap: 2px;
  color: var(--ink-900);
  font-family: var(--display);
  font-weight: 800;
  text-decoration: none;
  white-space: nowrap;
}

.brand::before {
  content: "";
  grid-row: 1 / 3;
  width: 42px;
  height: 42px;
  display: grid;
  place-items: center;
  border-radius: 12px;
  background: url("../img/ml-logo-badge-header.png") center / contain no-repeat;
  box-shadow: 0 8px 20px rgba(15, 23, 42, 0.08);
}

.brand strong {
  display: block;
  grid-column: 2;
  color: var(--ink-900);
  font-size: 1.02rem;
  line-height: 1.05;
}

.brand span {
  display: block;
  grid-column: 2;
  color: var(--ink-500);
  font-size: 0.72rem;
  line-height: 1.15;
  font-family: var(--sans);
  font-weight: 700;
}

.nav {
  display: flex;
  align-items: center;
  justify-content: center;
  flex: 1 1 auto;
  min-width: 0;
  gap: 2px;
}

.nav a {
  display: inline-block;
  padding: 9px 9px;
  border-radius: 8px;
  color: var(--ink-700);
  font-size: 0.9rem;
  font-weight: 800;
  line-height: 1;
  text-decoration: none;
  white-space: nowrap;
}

.nav a:hover {
  background: var(--ink-100);
  color: var(--ink-900);
}

.header-actions {
  display: flex;
  align-items: center;
  flex: 0 0 auto;
  gap: 8px;
}

.header-actions .button {
  min-height: 40px;
  padding: 9px 14px;
  border-radius: 999px;
  font-size: 0.9rem;
  line-height: 1.15;
  white-space: nowrap;
  box-shadow: none;
}

.header-actions .button.secondary {
  border-width: 1.5px;
}

.menu-toggle {
  display: none;
  border: 0;
  background: transparent;
  color: var(--ink-900);
  font-weight: 900;
  cursor: pointer;
}

.hero {
  position: relative;
  min-height: 88vh;
  display: grid;
  align-items: center;
  overflow: hidden;
  color: var(--white);
  background:
    linear-gradient(180deg, rgba(15, 23, 42, 0.5), rgba(15, 23, 42, 0.9)),
    url("../img/hero-house.jpg") center/cover no-repeat,
    var(--ink-900);
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(90deg, rgba(7, 17, 31, 0.68), rgba(7, 17, 31, 0.34) 46%, rgba(7, 17, 31, 0.18)),
    linear-gradient(180deg, rgba(7, 17, 31, 0.18), rgba(7, 17, 31, 0.62));
  z-index: 1;
}

.hero::after {
  content: none;
}

.hero-bg-video {
  position: absolute;
  inset: 0;
  z-index: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  filter: saturate(1.05) contrast(1.05);
}

.motion-scene {
  position: absolute;
  inset: 0;
  z-index: 0;
  overflow: hidden;
  background:
    linear-gradient(180deg, rgba(7, 17, 31, 0.22), rgba(7, 17, 31, 0.86)),
    url("../img/hero-house.jpg") center/cover no-repeat;
}

.motion-scene::before,
.motion-scene::after {
  content: "";
  position: absolute;
  inset: -15%;
  pointer-events: none;
}

.motion-scene::before {
  background:
    linear-gradient(115deg, transparent 0 38%, rgba(255, 255, 255, 0.18) 44%, transparent 52%),
    radial-gradient(circle at 72% 24%, rgba(20, 184, 122, 0.28), transparent 24%);
  mix-blend-mode: screen;
  animation: architectureSweep 7.5s ease-in-out infinite;
}

.motion-scene::after {
  background:
    linear-gradient(90deg, rgba(20, 184, 122, 0.12), transparent 20% 80%, rgba(212, 160, 23, 0.11)),
    repeating-linear-gradient(90deg, transparent 0 72px, rgba(255, 255, 255, 0.08) 74px, transparent 76px);
  opacity: 0.64;
  animation: lineDrift 12s linear infinite;
}

.motion-grid {
  position: absolute;
  left: 7%;
  right: 7%;
  bottom: 12%;
  height: 28%;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 22px;
  background:
    linear-gradient(90deg, rgba(20, 184, 122, 0.18), transparent),
    repeating-linear-gradient(0deg, rgba(255, 255, 255, 0.11) 0 1px, transparent 1px 24px),
    repeating-linear-gradient(90deg, rgba(255, 255, 255, 0.09) 0 1px, transparent 1px 42px);
  box-shadow: inset 0 0 45px rgba(20, 184, 122, 0.12);
  transform: perspective(900px) rotateX(62deg);
  transform-origin: bottom center;
  animation: gridPulse 6s ease-in-out infinite alternate;
}

@keyframes architectureSweep {
  0% {
    transform: translateX(-18%) scale(1.02);
    opacity: 0.32;
  }

  52% {
    opacity: 0.78;
  }

  100% {
    transform: translateX(18%) scale(1.05);
    opacity: 0.42;
  }
}

@keyframes lineDrift {
  from {
    transform: translateX(-4%);
  }

  to {
    transform: translateX(4%);
  }
}

@keyframes gridPulse {
  from {
    opacity: 0.42;
    transform: perspective(900px) rotateX(62deg) translateY(14px);
  }

  to {
    opacity: 0.78;
    transform: perspective(900px) rotateX(62deg) translateY(0);
  }
}

.hero-inner {
  position: relative;
  z-index: 3;
  width: 100%;
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 118px 24px;
}

@keyframes heroGlow {
  from {
    transform: translate3d(-1.5%, -1%, 0) scale(1);
    opacity: 0.7;
  }

  to {
    transform: translate3d(1.5%, 1%, 0) scale(1.04);
    opacity: 1;
  }
}

.hero h1 {
  max-width: 820px;
  color: var(--white);
  font-size: clamp(2.45rem, 6vw, 4.7rem);
}

.hero .accent {
  color: var(--green-500);
}

.hero .lede,
.hero .lead {
  max-width: 680px;
  color: rgba(255, 255, 255, 0.9);
  font-size: clamp(1.06rem, 2vw, 1.25rem);
}

.hero-actions,
.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.hero .button.secondary {
  background: rgba(255, 255, 255, 0.1);
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.32);
}

.hero-trust,
.trust-line {
  display: flex;
  flex-wrap: wrap;
  gap: 14px 28px;
  margin-top: 42px;
  color: rgba(255, 255, 255, 0.84);
  font-size: 0.91rem;
}

.hero-trust span::before,
.trust-line span::before {
  content: "✓ ";
  color: var(--green-500);
  font-weight: 900;
}

.trust-strip {
  padding: 20px 0;
  background: var(--green-50);
  border-top: 1px solid var(--ink-200);
  border-bottom: 1px solid var(--ink-200);
}

.trust-list {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-around;
  gap: 14px 28px;
  margin: 0;
  padding: 0;
  list-style: none;
  color: var(--ink-900);
  font-weight: 800;
  font-size: 0.94rem;
}

.trust-list li::before {
  content: "✓";
  margin-right: 8px;
  color: var(--green-600);
}

.grid {
  display: grid;
  gap: 24px;
}

.grid.two,
.grid-2 {
  grid-template-columns: repeat(auto-fit, minmax(300px, 1fr));
}

.grid,
.grid.three,
.grid-3 {
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
}

.card,
.panel {
  background: var(--white);
  border: 1px solid var(--ink-200);
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow-sm);
}

.card {
  transition: transform 150ms ease, box-shadow 150ms ease, border-color 150ms ease;
}

.card:hover {
  transform: translateY(-3px);
  border-color: var(--green-500);
  box-shadow: var(--shadow-md);
}

.card .icon {
  width: 50px;
  height: 50px;
  display: grid;
  place-items: center;
  margin-bottom: 16px;
  border-radius: 13px;
  background: var(--green-50);
  color: var(--green-600);
  font-weight: 900;
  font-size: 1.3rem;
}

.card p {
  color: var(--ink-700);
}

.more {
  display: inline-flex;
  margin-top: 8px;
  font-weight: 900;
}

.review-section {
  background: var(--white);
}

.review-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.review-card {
  display: grid;
  gap: 12px;
  min-height: 250px;
  padding: 26px;
  border: 1px solid var(--ink-200);
  border-radius: var(--radius);
  background: linear-gradient(180deg, var(--white), rgba(232, 249, 240, 0.42));
  box-shadow: var(--shadow-sm);
}

.review-stars {
  color: var(--gold);
  font-size: 1.05rem;
  letter-spacing: 0.08em;
}

.review-card h3 {
  margin-bottom: 0;
}

.review-card p {
  color: var(--ink-900);
  font-family: var(--display);
  font-size: 1.2rem;
  font-weight: 800;
  line-height: 1.34;
}

.review-card span {
  align-self: end;
  width: fit-content;
  padding: 6px 10px;
  border-radius: 999px;
  background: var(--green-50);
  color: var(--green-700);
  font-size: 0.78rem;
  font-weight: 900;
}

.review-footer {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  margin-top: 24px;
  padding-top: 22px;
  border-top: 1px solid var(--ink-200);
}

.review-footer p {
  max-width: 680px;
  margin: 0;
  color: var(--ink-500);
  font-size: 0.84rem;
  line-height: 1.5;
}

.split,
.two-col,
.hero-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 56px;
  align-items: center;
}

.headshot {
  min-height: 420px;
  border-radius: var(--radius-lg);
  background: var(--green-50) url("../img/jamal-akber-headshot.jpg") center top/cover no-repeat;
  box-shadow: var(--shadow-lg);
}

.about-secondary-photo {
  min-height: 430px;
  border-radius: var(--radius-lg);
  background: var(--green-50) url("../img/jamal-akber-about-secondary.jpg") center 20%/cover no-repeat;
  box-shadow: var(--shadow-lg);
}

.page-hero {
  padding: 82px 0;
  background:
    linear-gradient(135deg, rgba(232, 249, 240, 0.94), rgba(241, 245, 249, 0.97)),
    url("../img/hero-house.jpg") center/cover no-repeat;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
}

.field.full {
  grid-column: 1 / -1;
}

label {
  display: block;
  margin-bottom: 6px;
  color: var(--ink-900);
  font-size: 0.9rem;
  font-weight: 800;
}

.field-note {
  margin: 6px 0 0;
  color: var(--ink-500);
  font-size: 0.78rem;
  line-height: 1.35;
}

input,
select,
textarea {
  width: 100%;
  min-height: 48px;
  padding: 13px 15px;
  border: 1.5px solid var(--ink-200);
  border-radius: 8px;
  background: var(--white);
  color: var(--ink-900);
  font: inherit;
}

textarea {
  min-height: 120px;
}

.bot-field {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  overflow: hidden;
}

.form-status {
  margin-top: 14px;
  color: var(--ink-700);
  font-size: 0.9rem;
  font-weight: 800;
}

.form-status.error {
  padding: 12px 14px;
  border-radius: 8px;
  background: #fff1f2;
  color: #9f1239;
}

button:disabled,
.button:disabled {
  cursor: wait;
  opacity: 0.72;
  transform: none;
}

input:focus,
select:focus,
textarea:focus {
  border-color: var(--green-500);
  box-shadow: 0 0 0 4px var(--green-50);
  outline: 0;
}

.fine-print,
.disclaimer {
  color: var(--ink-500);
  font-size: 0.84rem;
  line-height: 1.5;
}

.disclaimer {
  padding: 16px;
  border-left: 4px solid var(--green-500);
  border-radius: 8px;
  background: var(--green-50);
}

.steps {
  counter-reset: step;
}

.step {
  display: grid;
  grid-template-columns: 64px 1fr;
  gap: 20px;
  padding: 20px 0;
  border-bottom: 1px solid var(--ink-200);
}

.step:last-child {
  border-bottom: 0;
}

.step::before {
  counter-increment: step;
  content: counter(step);
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border-radius: 13px;
  background: var(--green-500);
  color: var(--white);
  font-family: var(--display);
  font-weight: 900;
  font-size: 1.35rem;
}

.step h3,
.step h4 {
  margin-bottom: 4px;
}

.faq {
  background: var(--ink-100);
}

.faq-list,
.faq {
  max-width: 850px;
}

.faq details {
  padding: 18px 0;
  border-bottom: 1px solid var(--ink-200);
  background: transparent;
}

.faq summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  color: var(--ink-900);
  font-family: var(--display);
  font-size: 1.08rem;
  font-weight: 800;
  cursor: pointer;
  list-style: none;
}

.faq summary::-webkit-details-marker {
  display: none;
}

.faq summary::after {
  content: "+";
  color: var(--green-600);
  font-size: 1.55rem;
  font-weight: 400;
  transition: transform 150ms ease;
}

.faq details[open] summary::after {
  transform: rotate(45deg);
}

.faq details p,
.faq .answer {
  padding-top: 10px;
  color: var(--ink-700);
}

.calculator-output {
  margin-top: 18px;
  padding: 24px;
  border-radius: var(--radius);
  background: linear-gradient(180deg, var(--green-50), var(--white));
  border: 1px solid rgba(16, 185, 129, 0.22);
  color: var(--ink-900);
  font-family: var(--display);
  font-weight: 900;
}

.calculator-output p {
  margin: 0 0 6px;
  color: var(--ink-600);
}

.calc-total {
  display: grid;
  gap: 4px;
  padding-bottom: 18px;
  margin-bottom: 18px;
  border-bottom: 1px solid rgba(15, 23, 42, 0.1);
}

.calc-total span,
.calc-breakdown span,
.calc-note {
  color: var(--ink-600);
  font-family: var(--sans);
  font-size: 0.9rem;
  font-weight: 700;
}

.calc-total strong {
  color: var(--green-500);
  font-size: clamp(2rem, 5vw, 3rem);
  line-height: 1;
}

.calc-breakdown {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.calc-breakdown div {
  padding: 12px;
  border-radius: 10px;
  background: rgba(255, 255, 255, 0.82);
  border: 1px solid rgba(15, 23, 42, 0.06);
}

.calc-breakdown strong {
  display: block;
  color: var(--ink-900);
  font-size: 1.05rem;
}

.calc-snapshot {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px;
  margin-top: 16px;
}

.calc-snapshot div {
  padding: 14px;
  border-radius: 10px;
  background: var(--ink-900);
  color: var(--white);
}

.calc-snapshot span {
  display: block;
  color: rgba(255, 255, 255, 0.72);
  font-family: var(--sans);
  font-size: 0.78rem;
  font-weight: 700;
}

.calc-snapshot strong {
  display: block;
  margin-top: 4px;
  color: var(--white);
  font-size: 1.08rem;
}

.calc-note {
  margin-top: 16px !important;
}

.calc-action {
  margin-top: 20px;
  text-align: center;
}

.calculator-layout {
  align-items: start;
}

.calculator-panel {
  padding: 26px;
}

.calculator-sidebar {
  position: sticky;
  top: 96px;
}

.amortization-output {
  margin-top: 24px;
}

.amortization-teaser {
  display: grid;
  gap: 18px;
  padding: 22px;
  border: 1px solid var(--ink-200);
  border-radius: var(--radius);
  background: var(--white);
}

.amortization-teaser h2 {
  margin-bottom: 8px;
  font-size: clamp(1.35rem, 2.2vw, 1.8rem);
  line-height: 1.16;
}

.amortization-teaser p:last-child {
  max-width: 36rem;
  margin-bottom: 0;
}

.amortization-teaser .button {
  justify-self: start;
}

.amortization-header {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 18px;
  padding: 22px;
  border: 1px solid var(--ink-200);
  border-radius: var(--radius);
  background: var(--white);
}

.amortization-header h2 {
  margin-bottom: 8px;
  font-size: clamp(1.4rem, 2.8vw, 2.05rem);
}

.amortization-header p:last-child {
  margin-bottom: 0;
}

.amortization-years {
  display: grid;
  gap: 10px;
  margin-top: 14px;
}

.amortization-year {
  border: 1px solid var(--ink-200);
  border-radius: 10px;
  background: var(--white);
  overflow: hidden;
}

.amortization-year summary {
  display: grid;
  grid-template-columns: 0.7fr repeat(3, 1fr);
  gap: 12px;
  align-items: center;
  padding: 15px 16px;
  color: var(--ink-900);
  font-weight: 800;
  cursor: pointer;
  list-style: none;
}

.amortization-year summary::-webkit-details-marker {
  display: none;
}

.amortization-year summary:hover {
  background: var(--green-50);
}

.amortization-year summary span:not(:first-child) {
  color: var(--ink-500);
  font-size: 0.86rem;
  font-weight: 800;
  text-align: right;
}

.table-scroll {
  overflow-x: auto;
  border-top: 1px solid var(--ink-200);
}

.amortization-table {
  width: 100%;
  min-width: 720px;
  border-collapse: collapse;
  font-size: 0.86rem;
}

.amortization-table th,
.amortization-table td {
  padding: 10px 12px;
  border-bottom: 1px solid var(--ink-100);
  text-align: right;
  white-space: nowrap;
}

.amortization-table th:first-child,
.amortization-table td:first-child {
  text-align: left;
}

.amortization-table th {
  background: var(--ink-100);
  color: var(--ink-700);
  font-size: 0.76rem;
  font-weight: 900;
  text-transform: uppercase;
}

.cta-banner {
  padding: 52px;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--green-500), var(--green-600));
  color: var(--white);
  text-align: center;
  box-shadow: var(--shadow-md);
}

.cta-banner h2 {
  color: var(--white);
}

.cta-banner p {
  max-width: 620px;
  margin-left: auto;
  margin-right: auto;
  color: rgba(255, 255, 255, 0.92);
}

.cta-banner .button {
  background: var(--white);
  color: var(--green-700);
}

.site-footer {
  padding: 58px 0 34px;
  background: var(--ink-900);
  color: rgba(255, 255, 255, 0.78);
  font-size: 0.92rem;
}

.site-footer h2,
.site-footer h3,
.site-footer h4 {
  color: var(--white);
}

.footer-grid {
  display: grid;
  grid-template-columns: 1.45fr 1fr 1fr;
  gap: 34px;
}

.footer-links {
  display: grid;
  gap: 8px;
}

.site-footer a {
  color: rgba(255, 255, 255, 0.82);
}

.site-footer a:hover {
  color: var(--white);
}

.compliance {
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  color: rgba(255, 255, 255, 0.56);
  font-size: 0.8rem;
  line-height: 1.6;
}

.bottom-bar {
  display: none;
}

@media (max-width: 960px) {
  .nav,
  .header-actions {
    display: none;
  }

  .menu-toggle {
    display: inline-flex;
    padding: 10px;
  }

  .nav.open {
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    display: grid;
    gap: 0;
    padding: 12px 18px 18px;
    background: var(--white);
    border-bottom: 1px solid var(--ink-200);
    box-shadow: var(--shadow-md);
  }

  .nav.open a {
    padding: 13px 14px;
  }

  .split,
  .two-col,
  .hero-grid {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .review-grid {
    grid-template-columns: 1fr;
  }

  .review-footer {
    display: grid;
  }
}

@media (max-width: 640px) {
  body {
    font-size: 16px;
  }

  .container {
    padding: 0 18px;
  }

  .section,
  .page-hero {
    padding: 56px 0;
  }

  .hero {
    min-height: auto;
  }

  .hero-bg-video {
    display: none;
  }

  .hero-inner {
    padding: 74px 18px 66px;
  }

  .hero h1 {
    font-size: clamp(2rem, 12vw, 3rem);
  }

  .hero-actions {
    flex-direction: column;
    align-items: stretch;
  }

  .hero-trust,
  .trust-line {
    margin-top: 30px;
    gap: 10px;
    font-size: 0.86rem;
  }

  .trust-list {
    justify-content: flex-start;
    gap: 10px 16px;
  }

  .card,
  .panel {
    padding: 22px;
  }

  .form-grid,
  .footer-grid {
    grid-template-columns: 1fr;
  }

  .field.full {
    grid-column: auto;
  }

  .cta-banner {
    padding: 34px 22px;
    border-radius: var(--radius);
  }

  .step {
    grid-template-columns: 48px 1fr;
    gap: 14px;
  }

  .step::before {
    width: 40px;
    height: 40px;
    font-size: 1.1rem;
  }

  .bottom-bar {
    position: fixed;
    left: 0;
    right: 0;
    bottom: 0;
    z-index: 110;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 8px;
    padding: 10px;
    background: var(--white);
    border-top: 1px solid var(--ink-200);
  }

  .bottom-bar .button {
    min-height: 44px;
    padding: 10px 12px;
    font-size: 0.92rem;
  }

  .site-footer {
    padding-bottom: 92px;
  }

  .calc-breakdown {
    grid-template-columns: 1fr;
  }

  .calc-snapshot {
    grid-template-columns: 1fr;
  }

  .calculator-sidebar {
    position: static;
  }

  .amortization-header {
    display: grid;
    align-items: start;
  }

  .amortization-header .button {
    width: 100%;
  }

  .amortization-year summary {
    grid-template-columns: 1fr;
    gap: 4px;
  }

  .amortization-year summary span:not(:first-child) {
    text-align: left;
  }
}