/* ==========================================================================
   Global נכסים ומשכנתאות — אייל סימני | יועץ משכנתאות ירושלים
   Design system: young · modern · luxury · RTL
   Brand: ink black + signature red + paper white
   ========================================================================== */

:root {
  /* Brand palette */
  --ink: #14141a;
  --ink-2: #1e1e26;
  --ink-3: #2a2a34;
  --red: #e11b22;
  --red-600: #c5161c;
  --red-700: #a51218;
  --red-glow: rgba(225, 27, 34, .45);
  --paper: #ffffff;
  --cream: #f7f6f3;
  --cream-2: #efece7;
  --gray: #6b6b73;
  --gray-2: #9a9aa2;
  --line: #e7e4de;

  /* Semantic */
  --bg: var(--paper);
  --text: #1b1b22;
  --text-soft: #5a5a63;
  --accent: var(--red);

  /* Type */
  --font-display: "Secular One", "Rubik", system-ui, sans-serif;
  --font-body: "Rubik", "Heebo", system-ui, -apple-system, sans-serif;

  /* Rhythm */
  --radius: 18px;
  --radius-lg: 28px;
  --radius-pill: 999px;
  --shadow-sm: 0 4px 16px rgba(20, 20, 26, .06);
  --shadow: 0 18px 50px rgba(20, 20, 26, .10);
  --shadow-red: 0 14px 34px var(--red-glow);
  --container: 1180px;
  --nav-h: 82px;
  --ease: cubic-bezier(.22, 1, .36, 1);
}

/* ---------- Reset ---------- */
*, *::before, *::after { box-sizing: border-box; }
* { margin: 0; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  font-family: var(--font-body);
  background: var(--bg);
  color: var(--text);
  line-height: 1.7;
  font-size: 17px;
  font-weight: 400;
  overflow-x: hidden;
  text-rendering: optimizeLegibility;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
ul { list-style: none; padding: 0; }
button { font-family: inherit; cursor: pointer; border: none; background: none; }
h1, h2, h3, h4 { font-family: var(--font-display); font-weight: 400; line-height: 1.12; letter-spacing: -.01em; }

/* ---------- Layout helpers ---------- */
.container { width: 100%; max-width: var(--container); margin-inline: auto; padding-inline: 22px; }
.section { padding: 92px 0; position: relative; }
.section--tight { padding: 64px 0; }
.section--cream { background: var(--cream); }
.section--ink { background: var(--ink); color: #f3f2ef; }
.center { text-align: center; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 9px;
  font-family: var(--font-body); font-weight: 700; font-size: .82rem;
  letter-spacing: .06em; color: var(--red);
  text-transform: none; margin-bottom: 16px;
}
.eyebrow::before { content: ""; width: 26px; height: 2px; background: var(--red); border-radius: 2px; }
.section--ink .eyebrow { color: #ff7075; }
.section--ink .eyebrow::before { background: #ff7075; }

.title { font-size: clamp(1.9rem, 4.6vw, 3rem); }
.title--xl { font-size: clamp(2.4rem, 6vw, 4.1rem); }
.lead { font-size: 1.13rem; color: var(--text-soft); max-width: 620px; }
.section--ink .lead { color: #c7c6cf; }
.center .lead { margin-inline: auto; }
.mt-s { margin-top: 14px; } .mt-m { margin-top: 26px; } .mt-l { margin-top: 44px; }

.text-red { color: var(--red); }
.underline-swipe { position: relative; white-space: nowrap; }
.underline-swipe::after {
  content: ""; position: absolute; inset-inline: -2px; bottom: .06em; height: .34em;
  background: linear-gradient(90deg, var(--red), #ff6a6f);
  border-radius: 6px; z-index: -1; opacity: .32;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-weight: 700; font-size: 1.02rem; padding: 15px 30px;
  border-radius: var(--radius-pill); transition: transform .3s var(--ease), box-shadow .3s var(--ease), background .3s;
  will-change: transform;
}
.btn svg { width: 20px; height: 20px; }
.btn--primary { background: var(--red); color: #fff; box-shadow: var(--shadow-red); }
.btn--primary:hover { background: var(--red-600); transform: translateY(-3px); box-shadow: 0 20px 40px var(--red-glow); }
.btn--dark { background: var(--ink); color: #fff; }
.btn--dark:hover { background: var(--ink-3); transform: translateY(-3px); }
.btn--ghost { background: transparent; color: var(--ink); border: 1.5px solid var(--line); }
.btn--ghost:hover { border-color: var(--ink); transform: translateY(-3px); }
/* Ghost buttons on any dark surface (hero / inner page-hero / ink sections) must be light */
.section--ink .btn--ghost,
.hero .btn--ghost,
.page-hero .btn--ghost {
  color: #fff;
  border-color: rgba(255, 255, 255, .5);
  background: rgba(255, 255, 255, .06);
  -webkit-backdrop-filter: blur(6px);
  backdrop-filter: blur(6px);
}
.section--ink .btn--ghost:hover,
.hero .btn--ghost:hover,
.page-hero .btn--ghost:hover { border-color: #fff; background: rgba(255,255,255,.16); transform: translateY(-3px); }
.btn--white { background: #fff; color: var(--ink); }
.btn--white:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.btn--lg { padding: 18px 38px; font-size: 1.08rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: 14px; }

/* ==========================================================================
   Header / Nav
   ========================================================================== */
.skip-link {
  position: absolute; inset-inline-start: 16px; top: -80px; z-index: 2000;
  background: var(--ink); color: #fff; padding: 12px 22px; border-radius: 12px;
  transition: top .25s; font-weight: 700;
}
.skip-link:focus { top: 14px; }

.site-header {
  position: sticky; top: 0; z-index: 900;
  background: rgba(255, 255, 255, .82);
  backdrop-filter: saturate(180%) blur(16px);
  -webkit-backdrop-filter: saturate(180%) blur(16px);
  border-bottom: 1px solid rgba(20,20,26,.06);
  transition: box-shadow .3s, background .3s;
}
.site-header.is-scrolled { box-shadow: 0 8px 30px rgba(20,20,26,.08); }
.nav {
  height: var(--nav-h); display: flex; align-items: center; justify-content: space-between; gap: 20px;
}
.brand { display: flex; align-items: center; gap: 12px; flex-shrink: 0; }
.brand img { height: 50px; width: auto; }
.brand__tag { display: none; font-size: .7rem; color: var(--gray); font-weight: 600; }

.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links a {
  padding: 10px 15px; border-radius: 12px; font-weight: 600; font-size: .98rem;
  color: #33333c; transition: background .2s, color .2s; position: relative;
}
.nav-links a:hover, .nav-links a.active { color: var(--red); background: rgba(225,27,34,.07); }

/* Dropdown */
.has-dropdown { position: relative; }
.dropdown-toggle { display: inline-flex; align-items: center; gap: 5px; }
.dropdown-toggle svg { width: 14px; height: 14px; transition: transform .25s; }
.has-dropdown:hover .dropdown-toggle svg { transform: rotate(180deg); }
.dropdown {
  position: absolute; top: calc(100% + 10px); inset-inline-end: 0; min-width: 268px;
  background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 10px;
  box-shadow: var(--shadow); opacity: 0; visibility: hidden; transform: translateY(10px);
  transition: all .25s var(--ease);
}
.has-dropdown:hover .dropdown, .has-dropdown:focus-within .dropdown { opacity: 1; visibility: visible; transform: translateY(0); }
.dropdown a { display: flex; flex-direction: column; padding: 11px 14px; border-radius: 12px; gap: 2px; }
.dropdown a strong { font-weight: 700; font-size: .97rem; color: var(--ink); }
.dropdown a span { font-size: .8rem; color: var(--gray); font-weight: 400; }
.dropdown a:hover { background: var(--cream); }

.nav-cta { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.nav-phone { display: inline-flex; align-items: center; gap: 8px; font-weight: 700; color: var(--ink); font-size: .98rem; }
.nav-phone svg { width: 18px; height: 18px; color: var(--red); }

.mobile-menu-cta { display: none; }
.nav-toggle { display: none; width: 46px; height: 46px; border-radius: 12px; background: var(--cream); align-items: center; justify-content: center; }
.nav-toggle span { display: block; width: 22px; height: 2px; background: var(--ink); position: relative; transition: .3s; }
.nav-toggle span::before, .nav-toggle span::after { content: ""; position: absolute; left: 0; width: 22px; height: 2px; background: var(--ink); transition: .3s; }
.nav-toggle span::before { top: -7px; } .nav-toggle span::after { top: 7px; }
.nav-toggle.is-open span { background: transparent; }
.nav-toggle.is-open span::before { top: 0; transform: rotate(45deg); }
.nav-toggle.is-open span::after { top: 0; transform: rotate(-45deg); }

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  position: relative; color: #fff; overflow: hidden;
  padding: clamp(70px, 11vw, 130px) 0 clamp(80px, 10vw, 120px);
  background:
    radial-gradient(125% 120% at 86% -15%, rgba(225,27,34,.32), rgba(225,27,34,0) 46%),
    radial-gradient(95% 100% at 2% 115%, rgba(150,22,60,.30), transparent 52%),
    linear-gradient(155deg, #1d1d29 0%, #141419 52%, #241019 100%);
}
.hero__bg { position: absolute; inset: 0; z-index: 0; overflow: hidden; }
/* drifting soft light for depth */
.hero__bg::after {
  content: ""; position: absolute; width: 70%; height: 130%; top: -15%; inset-inline-end: -5%;
  background: radial-gradient(closest-side, rgba(255,90,70,.14), transparent 70%);
  filter: blur(20px); animation: heroDrift 22s ease-in-out infinite;
}
@keyframes heroDrift { 50% { transform: translate(-40px, 40px) scale(1.12); } }
.blob { position: absolute; border-radius: 50%; filter: blur(80px); opacity: .6; }
.blob--1 { width: 560px; height: 560px; background: radial-gradient(circle, #ff2b34, transparent 66%); top: -180px; inset-inline-start: -130px; animation: float1 16s ease-in-out infinite; }
.blob--2 { width: 460px; height: 460px; background: radial-gradient(circle, #a5122a, transparent 68%); bottom: -160px; inset-inline-end: -90px; animation: float2 20s ease-in-out infinite; }
.hero__grid-lines { position: absolute; inset: 0; opacity: .7;
  background-image: linear-gradient(rgba(255,255,255,.05) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.05) 1px, transparent 1px);
  background-size: 54px 54px; mask-image: radial-gradient(circle at 60% 35%, #000, transparent 78%); }
/* subtle bottom vignette to blend into next section */
.hero::after { content: ""; position: absolute; inset: auto 0 0 0; height: 140px; z-index: 1; pointer-events: none;
  background: linear-gradient(transparent, rgba(8,8,12,.35)); }
@keyframes float1 { 50% { transform: translate(60px, 50px) scale(1.1); } }
@keyframes float2 { 50% { transform: translate(-50px, -40px) scale(1.15); } }

.hero__inner { position: relative; z-index: 2; display: grid; grid-template-columns: 1.15fr .85fr; gap: 50px; align-items: center; }
.hero__badge {
  display: inline-flex; align-items: center; gap: 9px; padding: 8px 16px; border-radius: var(--radius-pill);
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.14); font-size: .85rem; font-weight: 600; margin-bottom: 22px;
}
.hero__badge .dot { width: 8px; height: 8px; border-radius: 50%; background: #37d67a; box-shadow: 0 0 0 4px rgba(55,214,122,.2); }
.hero h1 { font-size: clamp(2.4rem, 6vw, 4.3rem); line-height: 1.06; }
.hero h1 .g { color: var(--red); }
.hero__sub { margin-top: 20px; font-size: 1.18rem; color: #cfced6; max-width: 520px; }
.hero__cta { margin-top: 34px; }
.hero__trust { margin-top: 40px; display: flex; gap: 30px; flex-wrap: wrap; }
.hero__trust .num { font-family: var(--font-display); font-size: 2rem; color: #fff; line-height: 1; }
.hero__trust .lbl { font-size: .85rem; color: #a9a8b2; margin-top: 5px; }

.hero__card { position: relative; }
.hero__photo {
  border-radius: var(--radius-lg); overflow: hidden; box-shadow: 0 30px 70px rgba(0,0,0,.5);
  border: 1px solid rgba(255,255,255,.1); aspect-ratio: 4/5; background: #222;
}
.hero__photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.hero__float-card {
  position: absolute; inset-inline-start: -26px; bottom: 28px; background: #fff; color: var(--ink);
  border-radius: 18px; padding: 16px 20px; box-shadow: var(--shadow); display: flex; align-items: center; gap: 13px; max-width: 250px;
}
.hero__float-card .ic { width: 44px; height: 44px; border-radius: 12px; background: rgba(225,27,34,.1); color: var(--red); display: grid; place-items: center; flex-shrink: 0; }
.hero__float-card .ic svg { width: 24px; height: 24px; }
.hero__float-card strong { display: block; font-size: 1.05rem; }
.hero__float-card span { font-size: .82rem; color: var(--gray); }

/* Wave divider */
.wave-sep { display: block; width: 100%; height: auto; }

/* ==========================================================================
   Logo strip / trust
   ========================================================================== */
.trust-strip { padding: 30px 0; border-bottom: 1px solid var(--line); }
.trust-strip__row { display: flex; flex-wrap: wrap; justify-content: center; gap: 18px 40px; align-items: center; }
.trust-strip__item { display: flex; align-items: center; gap: 10px; color: var(--gray); font-weight: 600; font-size: .95rem; }
.trust-strip__item svg { width: 22px; height: 22px; color: var(--red); }

/* ==========================================================================
   Feature / service cards
   ========================================================================== */
.grid { display: grid; gap: 26px; }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 32px;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
  position: relative; overflow: hidden;
}
.card:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.card__ic {
  width: 58px; height: 58px; border-radius: 16px; display: grid; place-items: center; margin-bottom: 20px;
  background: linear-gradient(135deg, rgba(225,27,34,.12), rgba(225,27,34,.04)); color: var(--red);
}
.card__ic svg { width: 30px; height: 30px; }
.card h3 { font-size: 1.32rem; margin-bottom: 10px; }
.card p { color: var(--text-soft); font-size: 1rem; }
.card__link { display: inline-flex; align-items: center; gap: 6px; margin-top: 16px; color: var(--red); font-weight: 700; font-size: .95rem; }
.card__link svg { width: 16px; height: 16px; transition: transform .25s; }
.card:hover .card__link svg { transform: translateX(-5px); }
.card--service::before {
  content: ""; position: absolute; top: 0; inset-inline-end: 0; width: 100%; height: 4px;
  background: linear-gradient(90deg, var(--red), #ff6a6f); transform: scaleX(0); transform-origin: right; transition: transform .4s var(--ease);
}
.card:hover.card--service::before { transform: scaleX(1); }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: step; }
.step { position: relative; padding: 30px 24px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.step__num { font-family: var(--font-display); font-size: 2.6rem; color: var(--red); opacity: .25; line-height: 1; }
.step h3 { font-size: 1.15rem; margin: 10px 0 8px; }
.step p { font-size: .95rem; color: var(--text-soft); }

/* Split feature */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.split__media { border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); position: relative; aspect-ratio: 4/5; }
.split__media img { width: 100%; height: 100%; object-fit: cover; object-position: top; }
.split__media--stat::after {
  content: attr(data-stat); position: absolute; inset-inline-start: 20px; bottom: 20px;
  background: var(--red); color: #fff; padding: 12px 20px; border-radius: 14px; font-family: var(--font-display); font-size: 1.05rem; box-shadow: var(--shadow-red);
}
.check-list li { display: flex; gap: 12px; align-items: flex-start; margin-bottom: 14px; font-size: 1.03rem; }
.check-list li svg { width: 24px; height: 24px; color: var(--red); flex-shrink: 0; margin-top: 3px; }

/* Stats band */
.stats-band { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; text-align: center; }
.stat .num { font-family: var(--font-display); font-size: clamp(2.4rem, 5vw, 3.4rem); color: #fff; line-height: 1; }
.stat .num .plus { color: var(--red); }
.stat .lbl { color: #b4b3bd; margin-top: 8px; font-size: .98rem; }

/* Testimonials */
.quote {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-lg); padding: 30px;
  display: flex; flex-direction: column; gap: 16px; height: 100%;
}
.quote__stars { color: #f5b301; display: flex; gap: 2px; }
.quote__stars svg { width: 20px; height: 20px; }
.quote p { font-size: 1.05rem; color: #34343c; flex-grow: 1; }
.quote__by { display: flex; align-items: center; gap: 12px; }
.quote__avatar { width: 46px; height: 46px; border-radius: 50%; background: linear-gradient(135deg, var(--red), var(--ink)); color: #fff; display: grid; place-items: center; font-family: var(--font-display); font-size: 1.1rem; }
.quote__by strong { display: block; font-size: 1rem; } .quote__by span { font-size: .85rem; color: var(--gray); }

/* Google reviews badge */
.google-badge {
  display: inline-flex; align-items: center; gap: 9px; margin-top: 18px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius-pill);
  padding: 9px 18px; box-shadow: var(--shadow-sm); font-weight: 700; color: var(--ink);
  transition: transform .25s var(--ease), box-shadow .25s;
}
.google-badge:hover { transform: translateY(-2px); box-shadow: var(--shadow); }
.google-badge strong { font-size: 1.15rem; }
.google-badge__stars { color: #f5b301; letter-spacing: 1px; }
.google-badge__count { color: var(--gray); font-weight: 600; font-size: .9rem; }
.reviews-more { margin-top: 34px; color: var(--text-soft); }
.reviews-more a { color: var(--red); font-weight: 700; }
.reviews-grid .quote p { font-size: 1rem; }

/* FAQ */
.faq { max-width: 820px; margin-inline: auto; }
.faq__item { border: 1px solid var(--line); border-radius: var(--radius); margin-bottom: 14px; background: #fff; overflow: hidden; }
.faq__q { width: 100%; text-align: start; display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 22px 24px; font-weight: 700; font-size: 1.08rem; color: var(--ink); }
.faq__q .plus { width: 26px; height: 26px; flex-shrink: 0; position: relative; }
.faq__q .plus::before, .faq__q .plus::after { content: ""; position: absolute; background: var(--red); border-radius: 2px; transition: transform .3s; }
.faq__q .plus::before { top: 12px; left: 3px; right: 3px; height: 2px; }
.faq__q .plus::after { left: 12px; top: 3px; bottom: 3px; width: 2px; }
.faq__item.open .plus::after { transform: rotate(90deg); opacity: 0; }
.faq__a { max-height: 0; overflow: hidden; transition: max-height .35s var(--ease); }
.faq__a-inner { padding: 0 24px 24px; color: var(--text-soft); }

/* CTA band */
.cta-band { background: linear-gradient(120deg, var(--ink), #2a0c0e 120%); color: #fff; border-radius: var(--radius-lg); padding: 60px; text-align: center; position: relative; overflow: hidden; }
.cta-band::before { content: ""; position: absolute; width: 320px; height: 320px; background: radial-gradient(circle, var(--red), transparent 70%); opacity: .35; filter: blur(40px); top: -100px; inset-inline-start: -60px; }
.cta-band h2 { font-size: clamp(1.8rem, 4vw, 2.8rem); position: relative; }
.cta-band p { color: #d5d4dd; max-width: 560px; margin: 16px auto 0; position: relative; }
.cta-band .btn-row { justify-content: center; margin-top: 30px; position: relative; }

/* ==========================================================================
   Page hero (inner pages)
   ========================================================================== */
.page-hero { background: var(--ink); color: #fff; position: relative; overflow: hidden; padding: 70px 0 84px; }
.page-hero__bg { position: absolute; inset: 0; z-index: 0; }
.page-hero .container { position: relative; z-index: 2; }
.breadcrumb { display: flex; gap: 8px; font-size: .88rem; color: #a9a8b2; margin-bottom: 18px; flex-wrap: wrap; }
.breadcrumb a:hover { color: #fff; } .breadcrumb .sep { opacity: .5; }
.page-hero h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); max-width: 800px; }
.page-hero p { margin-top: 18px; color: #cfced6; font-size: 1.13rem; max-width: 640px; }

/* Prose (article content) */
.prose { max-width: 760px; }
.prose h2 { font-size: 1.7rem; margin: 42px 0 16px; }
.prose h3 { font-size: 1.3rem; margin: 30px 0 12px; color: var(--ink); }
.prose p { margin-bottom: 18px; color: #3d3d45; }
.prose ul { margin: 0 0 20px; }
.prose ul li { position: relative; padding-inline-start: 30px; margin-bottom: 12px; color: #3d3d45; }
.prose ul li::before { content: ""; position: absolute; inset-inline-start: 0; top: 10px; width: 14px; height: 14px; border-radius: 4px; background: rgba(225,27,34,.15); border: 2px solid var(--red); }
.prose strong { color: var(--ink); font-weight: 700; }
.prose a { color: var(--red); font-weight: 600; text-decoration: underline; text-underline-offset: 3px; }

/* Layout with sidebar */
.article-layout { display: grid; grid-template-columns: 1fr 340px; gap: 50px; align-items: start; }
.sidebar-card { position: sticky; top: calc(var(--nav-h) + 20px); background: var(--ink); color: #fff; border-radius: var(--radius-lg); padding: 32px; }
.sidebar-card h3 { font-size: 1.4rem; margin-bottom: 10px; }
.sidebar-card p { color: #c7c6cf; font-size: .96rem; margin-bottom: 20px; }
.sidebar-card .btn { width: 100%; margin-bottom: 10px; }
.sidebar-list { margin-top: 26px; }
.sidebar-list a { display: block; padding: 12px 14px; border-radius: 12px; color: #e9e8ee; font-weight: 600; font-size: .95rem; transition: background .2s; }
.sidebar-list a:hover, .sidebar-list a.active { background: rgba(255,255,255,.08); color: #fff; }

/* ==========================================================================
   Contact / Forms
   ========================================================================== */
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 40px; align-items: start; }
.field { margin-bottom: 18px; }
.field label { display: block; font-weight: 600; margin-bottom: 7px; font-size: .95rem; }
.field label .req { color: var(--red); }
.field input, .field select, .field textarea {
  width: 100%; padding: 14px 16px; border: 1.5px solid var(--line); border-radius: 13px; font-family: inherit;
  font-size: 1rem; background: #fff; color: var(--text); transition: border-color .2s, box-shadow .2s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--red); box-shadow: 0 0 0 4px rgba(225,27,34,.1); }
.field textarea { resize: vertical; min-height: 120px; }
.consent { display: flex; gap: 12px; align-items: flex-start; background: var(--cream); padding: 16px; border-radius: 14px; margin: 6px 0 20px; }
.consent input { width: 22px; height: 22px; flex-shrink: 0; margin-top: 2px; accent-color: var(--red); cursor: pointer; }
.consent label { font-size: .88rem; color: var(--text-soft); line-height: 1.6; font-weight: 400; }
.consent a { color: var(--red); text-decoration: underline; }
.form-note { font-size: .82rem; color: var(--gray); margin-top: 10px; }
.contact-info-list { display: grid; gap: 18px; }
.contact-info-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-info-item .ic { width: 50px; height: 50px; border-radius: 14px; background: rgba(225,27,34,.1); color: var(--red); display: grid; place-items: center; flex-shrink: 0; }
.contact-info-item .ic svg { width: 24px; height: 24px; }
.contact-info-item strong { display: block; font-size: 1.05rem; }
.contact-info-item a, .contact-info-item span { color: var(--text-soft); }
.field-error { color: var(--red); font-size: .82rem; margin-top: 5px; display: none; }
.field.invalid input, .field.invalid textarea, .field.invalid select { border-color: var(--red); }
.field.invalid .field-error { display: block; }
.form-success { display: none; text-align: center; padding: 40px; background: var(--cream); border-radius: var(--radius-lg); }
.form-success.show { display: block; }
.form-success .ic { width: 70px; height: 70px; border-radius: 50%; background: #37d67a; color: #fff; display: grid; place-items: center; margin: 0 auto 18px; }
.form-success .ic svg { width: 40px; height: 40px; }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--ink); color: #c9c8d1; padding: 70px 0 30px; position: relative; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.2fr; gap: 40px; }
.footer-brand__logo { font-family: var(--font-display); font-size: 2rem; color: #fff; display: inline-flex; align-items: baseline; gap: 3px; }
.footer-brand__logo .roof { color: var(--red); }
.footer-brand__sub { letter-spacing: .35em; font-size: .72rem; color: #8f8e99; margin-top: 4px; }
.footer-brand p { margin-top: 16px; font-size: .95rem; max-width: 320px; color: #a9a8b3; }
.footer-social { display: flex; gap: 10px; margin-top: 20px; }
.footer-social a { width: 42px; height: 42px; border-radius: 12px; background: rgba(255,255,255,.06); display: grid; place-items: center; transition: background .25s, transform .25s; }
.footer-social a:hover { background: var(--red); transform: translateY(-3px); }
.footer-social svg { width: 20px; height: 20px; color: #fff; }
.footer-col h4 { font-family: var(--font-body); font-weight: 700; color: #fff; font-size: 1.05rem; margin-bottom: 18px; }
.footer-col a { display: block; padding: 6px 0; font-size: .95rem; color: #a9a8b3; transition: color .2s; }
.footer-col a:hover { color: #fff; }
.footer-contact-line { display: flex; gap: 10px; align-items: center; margin-bottom: 12px; font-size: .95rem; }
.footer-contact-line svg { width: 18px; height: 18px; color: var(--red); flex-shrink: 0; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); margin-top: 50px; padding-top: 24px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 14px; font-size: .85rem; color: #85848f; }
.footer-bottom a { color: #a9a8b3; } .footer-bottom a:hover { color: #fff; }
.footer-disclaimer { font-size: .78rem; color: #6f6e78; margin-top: 18px; line-height: 1.7; }

/* ==========================================================================
   Floating action buttons (LEFT side)
   ========================================================================== */
.fab-stack { position: fixed; left: 20px; right: auto; bottom: 20px; z-index: 950; display: flex; flex-direction: column; gap: 12px; }
.fab {
  width: 56px; height: 56px; border-radius: 50%; display: grid; place-items: center; color: #fff;
  box-shadow: 0 10px 26px rgba(0,0,0,.25); transition: transform .25s var(--ease), box-shadow .25s; position: relative;
}
.fab:hover { transform: scale(1.08) translateY(-2px); }
.fab svg { width: 28px; height: 28px; }
.fab--wa { background: #25d366; }
.fab--wa::after {
  content: ""; position: absolute; inset: 0; border-radius: 50%; border: 2px solid #25d366; animation: pulse 2.2s ease-out infinite;
}
@keyframes pulse { 0% { transform: scale(1); opacity: .7; } 100% { transform: scale(1.7); opacity: 0; } }
.fab--phone { background: var(--red); }
.fab--a11y { background: var(--ink); }
.fab--top { background: #fff; color: var(--ink); border: 1px solid var(--line); opacity: 0; visibility: hidden; transform: translateY(10px); }
.fab--top.show { opacity: 1; visibility: visible; transform: translateY(0); }
.fab__tip {
  position: absolute; left: calc(100% + 12px); right: auto; top: 50%; transform: translateY(-50%);
  background: var(--ink); color: #fff; padding: 7px 13px; border-radius: 10px; font-size: .82rem; font-weight: 600;
  white-space: nowrap; opacity: 0; visibility: hidden; pointer-events: none; transition: opacity .2s;
}
.fab__tip::before { content: ""; position: absolute; right: 100%; left: auto; top: 50%; transform: translateY(-50%); border: 6px solid transparent; border-right-color: var(--ink); }
.fab:hover .fab__tip { opacity: 1; visibility: visible; }

/* ==========================================================================
   Accessibility widget panel
   ========================================================================== */
.a11y-panel {
  position: fixed; left: 20px; right: auto; bottom: 90px; z-index: 960; width: 300px;
  background: #fff; border-radius: 20px; box-shadow: 0 24px 60px rgba(0,0,0,.28); border: 1px solid var(--line);
  padding: 20px; opacity: 0; visibility: hidden; transform: translateY(16px) scale(.96); transition: all .3s var(--ease);
}
.a11y-panel.open { opacity: 1; visibility: visible; transform: translateY(0) scale(1); }
.a11y-panel h3 { font-family: var(--font-body); font-weight: 700; font-size: 1.1rem; margin-bottom: 4px; display: flex; align-items: center; gap: 8px; }
.a11y-panel h3 svg { width: 22px; height: 22px; color: var(--red); }
.a11y-panel .sub { font-size: .8rem; color: var(--gray); margin-bottom: 16px; }
.a11y-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.a11y-btn {
  border: 1.5px solid var(--line); border-radius: 13px; padding: 12px 8px; text-align: center; font-size: .82rem;
  font-weight: 600; color: var(--ink); display: flex; flex-direction: column; align-items: center; gap: 6px; transition: .2s;
}
.a11y-btn svg { width: 22px; height: 22px; color: var(--red); }
.a11y-btn:hover { border-color: var(--red); background: rgba(225,27,34,.04); }
.a11y-btn.active { background: var(--red); color: #fff; border-color: var(--red); }
.a11y-btn.active svg { color: #fff; }
.a11y-reset { width: 100%; margin-top: 12px; padding: 11px; border-radius: 12px; background: var(--cream); font-weight: 700; color: var(--ink); font-size: .88rem; }
.a11y-reset:hover { background: var(--cream-2); }
.a11y-statement-link { display: block; text-align: center; margin-top: 10px; font-size: .82rem; color: var(--red); text-decoration: underline; }

/* Accessibility body states */
body.a11y-contrast { filter: contrast(1.35); }
body.a11y-grayscale { filter: grayscale(1); }
body.a11y-invert { filter: invert(1) hue-rotate(180deg); }
body.a11y-invert img, body.a11y-invert .hero__photo, body.a11y-invert .split__media { filter: invert(1) hue-rotate(180deg); }
body.a11y-links a { text-decoration: underline !important; }
body.a11y-readable, body.a11y-readable * { font-family: Arial, "Heebo", sans-serif !important; letter-spacing: .02em; }
body.a11y-big-cursor, body.a11y-big-cursor * { cursor: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='48' height='48' viewBox='0 0 24 24' fill='black' stroke='white' stroke-width='1'%3E%3Cpath d='M5 3l14 9-6 1 4 7-3 2-4-7-5 4z'/%3E%3C/svg%3E"), auto !important; }
body.a11y-stop-anim *, body.a11y-stop-anim *::before, body.a11y-stop-anim *::after { animation: none !important; transition: none !important; }
body.a11y-highlight :is(h1,h2,h3) { outline: 2px dashed var(--red); outline-offset: 4px; }

/* Reveal on scroll */
.reveal { opacity: 0; transform: translateY(30px); transition: opacity .7s var(--ease), transform .7s var(--ease); }
.reveal.in { opacity: 1; transform: none; }
.reveal[data-d="1"] { transition-delay: .08s; }
.reveal[data-d="2"] { transition-delay: .16s; }
.reveal[data-d="3"] { transition-delay: .24s; }

/* ==========================================================================
   Responsive
   ========================================================================== */
@media (max-width: 1024px) {
  .hero__inner { grid-template-columns: 1fr; gap: 40px; }
  .hero__card { max-width: 420px; }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .stats-band { grid-template-columns: repeat(2, 1fr); gap: 40px 20px; }
  .article-layout { grid-template-columns: 1fr; }
  .sidebar-card { position: static; }
}
@media (max-width: 820px) {
  .nav-links, .nav-phone { display: none; }
  .nav-toggle { display: flex; }
  .nav-cta .btn--primary { padding: 11px 18px; font-size: .92rem; }

  /* NOTE: .site-header has backdrop-filter, which makes it the containing block
     for position:fixed descendants. So the menu is positioned relative to the
     header box: top:100% drops it right below the header, and height fills the
     rest of the screen. (Using inset:var(--nav-h) 0 0 0 would collapse it.) */
  .nav-links.mobile-open {
    display: flex; position: fixed; top: 100%; left: 0; right: 0; bottom: auto;
    height: calc(100vh - var(--nav-h)); height: calc(100dvh - var(--nav-h));
    flex-direction: column; align-items: stretch;
    background: #fff; padding: 16px 18px 28px; gap: 8px; overflow-y: auto; z-index: 899;
    animation: slideDown .3s var(--ease); box-shadow: 0 20px 30px -18px rgba(0,0,0,.25);
  }
  @keyframes slideDown { from { opacity: 0; transform: translateY(-12px); } }
  /* top-level links as cards */
  .nav-links.mobile-open > li > a {
    display: flex; align-items: center; justify-content: space-between;
    padding: 15px 18px; font-size: 1.12rem; font-weight: 700; color: var(--ink);
    background: var(--cream); border-radius: 14px; border: none;
  }
  .nav-links.mobile-open > li > a.active { background: rgba(225,27,34,.1); color: var(--red); }
  .nav-links.mobile-open .has-dropdown { flex-direction: column; align-items: stretch; }
  .nav-links.mobile-open .dropdown-toggle svg { width: 18px; height: 18px; }
  /* services submenu */
  .nav-links.mobile-open .dropdown {
    position: static; opacity: 1; visibility: visible; transform: none; box-shadow: none;
    border: none; min-width: auto; padding: 6px 6px 2px; margin-top: 4px;
    display: grid; gap: 2px; background: transparent;
  }
  .nav-links.mobile-open .dropdown a {
    padding: 12px 16px; border-radius: 12px; background: #fff; border: 1px solid var(--line);
  }
  .nav-links.mobile-open .dropdown a:hover { background: var(--cream); }
  .nav-links.mobile-open .dropdown a strong { font-size: .98rem; }
  .nav-links.mobile-open .dropdown a span { font-size: .8rem; }
  /* CTA row pinned at the bottom of the menu */
  .nav-links.mobile-open::after { content: ""; flex: 1 1 auto; }
  .nav-links.mobile-open .mobile-menu-cta { display: flex; flex-direction: column; gap: 10px; margin-top: 14px; padding-top: 16px; border-top: 1px solid var(--line); }
  .mobile-menu-cta .btn { width: 100%; justify-content: center; }

  .grid--3, .grid--2 { grid-template-columns: 1fr; }
  .split { grid-template-columns: 1fr; gap: 32px; }
  .split--reverse .split__media { order: -1; }
  .form-grid { grid-template-columns: 1fr; gap: 30px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 30px; }
  .section { padding: 62px 0; }
  .cta-band { padding: 40px 24px; }
}
@media (max-width: 520px) {
  body { font-size: 16px; }
  .grid--4, .steps, .stats-band, .footer-grid { grid-template-columns: 1fr; }
  .hero__trust { gap: 20px; } .hero__trust .num { font-size: 1.6rem; }
  /* keep the floating card fully on the photo (was clipped by hero overflow when hung below),
     pinned to the bottom-right so it never covers the thumbs-up hand (which is on the left) */
  .hero__float-card { inset-inline-start: auto; inset-inline-end: auto; left: auto; right: 10px;
    transform: none; bottom: 12px; max-width: 180px; padding: 10px 13px; gap: 10px; }
  .hero__float-card .ic { width: 38px; height: 38px; }
  .hero__float-card .ic svg { width: 20px; height: 20px; }
  .hero__float-card strong { font-size: .95rem; }
  .hero__float-card span { font-size: .74rem; }
  .fab { width: 52px; height: 52px; }
  .a11y-panel { width: calc(100vw - 40px); }
  .btn { width: 100%; } .hero__cta .btn, .btn-row .btn { width: auto; }
}
@media (prefers-reduced-motion: reduce) {
  * { animation-duration: .01ms !important; transition-duration: .01ms !important; scroll-behavior: auto; }
  .reveal { opacity: 1; transform: none; }
}

/* ==========================================================================
   Credentials — association membership + certificate gallery (about.html)
   ========================================================================== */
.assoc-banner {
  display: grid; grid-template-columns: 300px 1fr; gap: 40px; align-items: center;
  background: linear-gradient(135deg, var(--ink), var(--ink-2));
  color: #f3f2ef; border-radius: var(--radius-lg); padding: 40px 44px;
  position: relative; overflow: hidden; box-shadow: var(--shadow);
}
.assoc-banner::before {
  content: ""; position: absolute; inset-block: 0; inset-inline-start: 0; width: 6px;
  background: linear-gradient(180deg, var(--red), #ff6a6f);
}
.assoc-banner::after {
  content: ""; position: absolute; top: -40%; inset-inline-start: -10%; width: 340px; height: 340px;
  background: radial-gradient(circle, var(--red-glow), transparent 70%); opacity: .5; pointer-events: none;
}
.assoc-banner__emblem {
  position: relative; background: #fff; border-radius: var(--radius); padding: 24px;
  display: grid; place-items: center; box-shadow: var(--shadow-sm);
}
.assoc-banner__emblem img { width: 100%; height: auto; }
.assoc-banner__seal {
  position: absolute; inset-block-start: -14px; inset-inline-start: -14px;
  display: inline-flex; align-items: center; gap: 6px;
  background: var(--red); color: #fff; font-family: var(--font-body); font-weight: 800;
  font-size: .78rem; padding: 7px 14px; border-radius: var(--radius-pill); box-shadow: var(--shadow-red);
}
.assoc-banner__seal svg { width: 15px; height: 15px; fill: #fff; stroke: #fff; }
.assoc-banner__body { position: relative; z-index: 1; }
.assoc-banner__tag {
  display: inline-block; font-family: var(--font-body); font-weight: 800; font-size: .74rem;
  letter-spacing: .08em; color: #ff8a8f; background: rgba(225,27,34,.14);
  padding: 5px 13px; border-radius: var(--radius-pill); margin-bottom: 14px;
}
.assoc-banner__body h3 { font-size: clamp(1.5rem, 3vw, 2rem); color: #fff; margin-bottom: 12px; }
.assoc-banner__body p { color: #c7c6cf; font-size: 1.03rem; }
.assoc-points { margin-top: 18px; display: grid; gap: 10px; }
.assoc-points li { display: flex; align-items: center; gap: 11px; font-weight: 500; color: #e9e8ec; }
.assoc-points svg { width: 20px; height: 20px; flex: 0 0 auto; color: #ff6a6f; }

.cert-subhead { font-size: clamp(1.4rem, 3vw, 1.9rem); text-align: center; }
.cert-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; }
.cert-card { margin: 0; }
.cert-card__thumb {
  display: block; width: 100%; padding: 0; border-radius: var(--radius); overflow: hidden;
  border: 1px solid var(--line); background: var(--cream); position: relative; aspect-ratio: 4 / 5;
  transition: transform .35s var(--ease), box-shadow .35s var(--ease), border-color .35s;
}
.cert-card__thumb img { width: 100%; height: 100%; object-fit: cover; object-position: top center; transition: transform .5s var(--ease); }
.cert-card__thumb:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.cert-card__thumb:hover img { transform: scale(1.05); }
.cert-card__thumb:focus-visible { outline: 3px solid var(--red); outline-offset: 3px; }
.cert-card__zoom {
  position: absolute; inset-block-end: 12px; inset-inline-end: 12px; width: 40px; height: 40px;
  display: grid; place-items: center; border-radius: 50%; background: rgba(20,20,26,.72);
  color: #fff; opacity: 0; transform: translateY(6px); transition: opacity .3s, transform .3s;
  -webkit-backdrop-filter: blur(4px); backdrop-filter: blur(4px);
}
.cert-card__zoom svg { width: 20px; height: 20px; }
.cert-card__thumb:hover .cert-card__zoom, .cert-card__thumb:focus-visible .cert-card__zoom { opacity: 1; transform: none; }
.cert-card figcaption { display: grid; gap: 2px; margin-top: 14px; text-align: center; }
.cert-card figcaption strong { font-family: var(--font-display); font-size: 1.02rem; color: var(--text); }
.cert-card figcaption span { font-size: .86rem; color: var(--text-soft); }

/* Lightbox */
.cert-lightbox {
  position: fixed; inset: 0; z-index: 1200; display: grid; place-items: center; padding: 26px;
  background: rgba(12,12,16,.86); -webkit-backdrop-filter: blur(6px); backdrop-filter: blur(6px);
  opacity: 0; transition: opacity .3s var(--ease);
}
.cert-lightbox[hidden] { display: none; }
.cert-lightbox.open { opacity: 1; }
.cert-lightbox__inner {
  margin: 0; max-width: min(620px, 92vw); max-height: 88vh; display: flex; flex-direction: column;
  transform: scale(.94); transition: transform .35s var(--ease);
}
.cert-lightbox.open .cert-lightbox__inner { transform: none; }
.cert-lightbox__inner img {
  width: 100%; height: auto; max-height: 78vh; object-fit: contain;
  border-radius: var(--radius); background: #fff; box-shadow: 0 30px 70px rgba(0,0,0,.5);
}
.cert-lightbox__inner figcaption { color: #f3f2ef; text-align: center; margin-top: 16px; font-weight: 500; }
.cert-lightbox__close {
  position: absolute; inset-block-start: 20px; inset-inline-end: 22px; width: 46px; height: 46px;
  border-radius: 50%; background: rgba(255,255,255,.12); color: #fff; font-size: 1.9rem; line-height: 1;
  display: grid; place-items: center; transition: background .25s, transform .25s;
}
.cert-lightbox__close:hover { background: var(--red); transform: rotate(90deg); }

@media (max-width: 900px) {
  .cert-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 767px) {
  .assoc-banner { grid-template-columns: 1fr; gap: 26px; padding: 32px 24px; text-align: center; }
  .assoc-banner__emblem { max-width: 280px; margin-inline: auto; }
  .assoc-points li { text-align: start; }
}
@media (max-width: 420px) {
  .cert-grid { grid-template-columns: 1fr; max-width: 320px; margin-inline: auto; }
}

/* Footer association-membership badge (injected on every page) */
.footer-assoc {
  position: relative; display: flex; align-items: center; gap: 16px;
  margin-top: 22px; padding: 16px 20px; max-width: 340px;
  background: linear-gradient(135deg, rgba(255,255,255,.09), rgba(255,255,255,.03));
  border: 1px solid rgba(255,255,255,.14); border-radius: var(--radius);
  transition: transform .3s var(--ease), border-color .3s, box-shadow .3s;
}
.footer-assoc:hover { transform: translateY(-3px); border-color: rgba(255,106,111,.55); box-shadow: 0 16px 34px rgba(0,0,0,.35); }
.footer-assoc__seal {
  position: absolute; top: -13px; inset-inline-start: 16px;
  display: inline-flex; align-items: center; gap: 5px;
  background: var(--red); color: #fff; font-weight: 800; font-size: .72rem;
  padding: 5px 12px; border-radius: var(--radius-pill); box-shadow: var(--shadow-red);
}
.footer-assoc__seal svg { width: 13px; height: 13px; }
.footer-assoc__emblem {
  flex: 0 0 auto; background: #fff; border-radius: 12px; padding: 9px 11px; display: grid; place-items: center;
}
.footer-assoc__emblem img { width: 96px; height: auto; display: block; }
.footer-assoc__txt { display: grid; gap: 1px; line-height: 1.25; }
.footer-assoc__txt strong { font-family: var(--font-display); font-size: 1.06rem; color: #fff; }
.footer-assoc__txt span { font-size: .82rem; color: #b9b8c2; }
@media (max-width: 767px) {
  .footer-assoc { margin-inline: auto; }
}

/* ==========================================================================
   Refinance worthiness calculator (mortgage-refinance.html)
   ========================================================================== */
.refi-calc {
  max-width: 900px; margin-inline: auto; background: #fff; border: 1px solid var(--line);
  border-radius: var(--radius-lg); padding: 38px; box-shadow: var(--shadow);
}
.refi-calc__form { display: grid; grid-template-columns: 1fr 1fr; gap: 22px 26px; }
.refi-calc__form .field { margin-bottom: 0; }
.refi-calc__form .field:nth-child(1) { grid-column: 1 / -1; }
.refi-calc__actions { grid-column: 1 / -1; margin-top: 6px; }
.refi-calc__actions .btn { width: 100%; }
.refi-calc__actions .form-note { margin-top: 14px; text-align: center; }

.refi-input-money { position: relative; }
.refi-input-money__sign {
  position: absolute; inset-inline-start: 15px; top: 50%; transform: translateY(-50%);
  color: var(--gray-2); font-weight: 700; pointer-events: none;
}
.refi-input-money input { padding-inline-start: 34px; }
.refi-inline { display: flex; gap: 12px; }
.refi-inline input { flex: 1 1 auto; }
.refi-inline select { flex: 0 0 130px; cursor: pointer; }

/* Result panel */
.refi-result { margin-top: 30px; padding-top: 30px; border-top: 1px dashed var(--line); animation: refiFade .45s var(--ease); }
.refi-result[hidden] { display: none; }
@keyframes refiFade { from { opacity: 0; transform: translateY(10px); } to { opacity: 1; transform: none; } }
.refi-result:focus { outline: none; }
.refi-verdict {
  display: grid; grid-template-columns: auto 1fr; gap: 20px; align-items: center;
  border-radius: var(--radius); padding: 24px 26px;
}
.refi-verdict--go { background: linear-gradient(135deg, rgba(225,27,34,.10), rgba(225,27,34,.03)); border: 1px solid rgba(225,27,34,.25); }
.refi-verdict--hold { background: var(--cream); border: 1px solid var(--line); }
.refi-verdict__rate { text-align: center; padding-inline-end: 22px; border-inline-end: 1px solid rgba(20,20,26,.1); }
.refi-verdict__rate .num { font-family: var(--font-display); font-size: clamp(2.2rem, 6vw, 3rem); line-height: 1; color: var(--ink); }
.refi-verdict--go .refi-verdict__rate .num { color: var(--red); }
.refi-verdict__rate .cap { display: block; font-size: .82rem; color: var(--text-soft); margin-top: 6px; }
.refi-verdict__msg h3 { font-size: 1.3rem; margin-bottom: 6px; }
.refi-verdict__msg p { color: var(--text-soft); font-size: 1rem; }
.refi-verdict__badge {
  display: inline-flex; align-items: center; gap: 6px; font-family: var(--font-body); font-weight: 800;
  font-size: .78rem; padding: 5px 13px; border-radius: var(--radius-pill); margin-bottom: 10px;
}
.refi-verdict--go .refi-verdict__badge { background: var(--red); color: #fff; }
.refi-verdict--hold .refi-verdict__badge { background: var(--ink); color: #fff; }

.refi-saving { margin-top: 18px; display: flex; flex-wrap: wrap; gap: 14px; }
.refi-saving__pill {
  flex: 1 1 200px; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 20px;
}
.refi-saving__pill .k { font-size: .84rem; color: var(--text-soft); }
.refi-saving__pill .v { font-family: var(--font-display); font-size: 1.5rem; color: var(--ink); margin-top: 2px; }
.refi-saving__pill .v.pos { color: #1a8f4c; }
.refi-result__cta { margin-top: 22px; display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.refi-result__cta .btn { flex: 1 1 240px; }
.refi-result__disclaimer { font-size: .8rem; color: var(--gray); margin-top: 14px; }

@media (max-width: 620px) {
  .refi-calc { padding: 24px 20px; }
  .refi-calc__form { grid-template-columns: 1fr; }
  .refi-verdict { grid-template-columns: 1fr; gap: 14px; text-align: center; }
  .refi-verdict__rate { padding-inline-end: 0; border-inline-end: none; padding-bottom: 14px; border-bottom: 1px solid rgba(20,20,26,.1); }
}

/* ==========================================================================
   Partners / financing-body logo wall (index.html)
   ========================================================================== */
.partners-grid {
  display: grid; grid-template-columns: repeat(6, 1fr); gap: 18px;
}
.partner {
  display: grid; place-items: center; min-height: 100px; padding: 22px 20px;
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  transition: transform .3s var(--ease), box-shadow .3s var(--ease), border-color .3s;
}
.partner:hover { transform: translateY(-4px); box-shadow: var(--shadow-sm); border-color: transparent; }
/* Normalize on a shared optical HEIGHT so heterogeneous logos read as one row.
   Wide wordmarks that would overflow are capped by max-width. */
.partner img {
  height: 38px; width: auto; max-width: 92%; object-fit: contain;
  filter: grayscale(1); opacity: .66; transition: filter .3s, opacity .3s;
}
.partner:hover img { filter: grayscale(0); opacity: 1; }
/* Text fallback tiles for brands without a usable logo file */
.partner--text span {
  font-family: var(--font-display); font-size: 1.25rem; font-weight: 700;
  color: #9a9aa2; opacity: .8; transition: color .3s, opacity .3s; letter-spacing: -.01em;
  text-align: center; line-height: 1.1;
}
.partner--text:hover span { color: var(--pc, var(--ink)); opacity: 1; }

@media (max-width: 900px) { .partners-grid { grid-template-columns: repeat(4, 1fr); } }
@media (max-width: 560px)  { .partners-grid { grid-template-columns: repeat(3, 1fr); gap: 12px; }
  .partner { min-height: 78px; padding: 14px; } .partner img { height: 30px; } .partner--text span { font-size: 1rem; }
}