/* Shane Your Mortgage Guy — homepage design preview (not live) */
@font-face{font-family:"Fraunces";src:url(../fonts/Fraunces-var.woff2) format("woff2");font-weight:300 700;font-display:swap}
@font-face{font-family:"Manrope";src:url(../fonts/Manrope-var.woff2) format("woff2");font-weight:300 800;font-display:swap}

:root{
  --navy-900:#071630; --navy-800:#132b52; --navy-700:#12305c; --navy-600:#1d4479;
  --powder-500:#8fb8de; --powder-400:#afd5ef; --powder-300:#c6dcf0; --powder-200:#deebf7; --powder-100:#eef5fb;
  --white:#ffffff; --paper:#F6F4F0; --sand:#E6E2DA; --accent:#7C5C2E;
  --ink:#1A1D21; --muted:#5C6570; --line:#E6E2DA;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Manrope",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
  --r-lg:16px; --r-md:16px; --r-sm:8px;
  --shadow-lg:0 8px 24px -16px rgba(19,43,82,.28);
  --shadow-md:0 8px 24px -16px rgba(19,43,82,.28);
  --ease:cubic-bezier(.2,.7,.2,1);
  --wrap:1240px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 32px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:#fff;padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:12px}
:focus-visible{outline:3px solid var(--powder-500);outline-offset:3px;border-radius:6px}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(12px);-webkit-backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid rgba(19,43,82,.07)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:24px}
.brand{display:flex;align-items:center;gap:16px;text-decoration:none;color:var(--navy-800);flex-shrink:0}
.brand-name{font-family:var(--serif);font-weight:500;font-size:22px;letter-spacing:-.01em;line-height:1.05}
.brand-name small{display:block;font-family:var(--sans);font-size:10.5px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-top:5px;white-space:normal;max-width:22em}
.brand-sep{width:1px;height:38px;background:var(--line)}
.brand-logo{height:38px;width:auto}
.nav{display:flex;align-items:center;gap:6px}
.nav a{font-size:14.5px;font-weight:600;color:var(--navy-800);text-decoration:none;padding:10px 12px;border-radius:999px;transition:background .2s,color .2s}
.nav a:hover{background:var(--powder-100)}
.nav a.secondary{color:var(--muted);font-weight:500}
.nav a[aria-current="page"]{background:var(--powder-100)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--sans);font-weight:700;font-size:14px;letter-spacing:.08em;text-transform:uppercase;text-decoration:none;border-radius:999px;padding:15px 26px;border:1.5px solid transparent;cursor:pointer;min-height:48px;transition:background .2s ease,box-shadow .2s ease;white-space:nowrap}
.btn svg{width:18px;height:18px;transition:transform .3s var(--ease)}
.btn:hover svg{transform:none}
.btn-navy{background:var(--navy-800);color:#fff}
.btn-navy:hover{background:var(--navy-600);box-shadow:0 10px 24px -10px rgba(19,43,82,.6)}
.btn-white{background:#fff;color:var(--navy-800)}
.btn-white:hover{background:var(--powder-100);box-shadow:0 12px 26px -10px rgba(0,0,0,.45)}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-outline{border-color:var(--navy-800);color:var(--navy-800)}
.btn-outline:hover{background:var(--navy-800);color:#fff}
.nav .btn{padding:12px 20px;font-size:12.5px;margin-left:10px;color:#fff}
.nav .btn:hover{background:var(--navy-600)}
.menu-toggle{display:none;background:none;border:0;padding:10px;margin-right:-10px;cursor:pointer;color:var(--navy-800)}
.menu-toggle svg{width:28px;height:28px}

/* ---------- Hero ---------- */
.hero{position:relative;background:radial-gradient(1200px 500px at 85% -10%,rgba(143,184,222,.28),transparent 60%),linear-gradient(160deg,var(--navy-900) 0%,var(--navy-800) 55%,var(--navy-700) 100%);color:#fff;overflow:hidden;padding:40px 0 196px}
.hero::after{content:"";position:absolute;inset:0;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='120' height='120' viewBox='0 0 120 120'%3E%3Cpath d='M0 60h120M60 0v120' stroke='%23ffffff' stroke-opacity='.035' stroke-width='1'/%3E%3C/svg%3E");pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;grid-template-columns:1fr auto;align-items:center;gap:56px}
.eyebrow{display:inline-flex;align-items:center;gap:12px;font-size:12.5px;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--powder-300)}
.eyebrow::before{content:"";width:34px;height:1.5px;background:var(--powder-500)}
.hero h1{font-family:var(--serif);font-weight:400;font-size:clamp(34px,4vw,56px);line-height:1.06;letter-spacing:-.022em;margin:16px 0 14px;max-width:16em;font-variation-settings:"opsz" 60}
.hero h1 em{font-style:italic;color:var(--powder-300);font-weight:400}
.hero .lede{font-size:19px;line-height:1.55;color:rgba(255,255,255,.82);max-width:42em;margin:0}
.hero-portrait{position:relative;width:206px;flex-shrink:0;margin-right:8px}
.hero-portrait .frame{width:206px;height:244px;border-radius:120px 120px 20px 20px;overflow:hidden;background:var(--powder-200);box-shadow:0 0 0 8px rgba(255,255,255,.06),var(--shadow-lg)}
.hero-portrait img{width:100%;height:100%;object-fit:cover;object-position:50% 18%}
.hero-portrait .badge{position:absolute;left:-46px;bottom:26px;background:#fff;color:var(--navy-800);border-radius:14px;padding:10px 14px 10px 12px;display:flex;align-items:center;gap:10px;box-shadow:var(--shadow-md);font-size:13px;line-height:1.25}
.badge .stars{color:#e8a817;font-size:14px;letter-spacing:1px}
.badge strong{font-size:15px}
.hero-portrait .caption{margin-top:16px;text-align:center;font-size:13px;color:rgba(255,255,255,.7);line-height:1.4}
.hero-portrait .caption b{display:block;color:#fff;font-size:15px;font-weight:600}

/* ---------- Two-path cards ---------- */
.paths{position:relative;z-index:2;margin-top:-168px;padding-bottom:40px}
.paths-label{text-align:center;color:var(--powder-200);font-size:12.5px;font-weight:700;letter-spacing:.24em;text-transform:uppercase;margin:0 0 18px}
.paths-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.path-card{position:relative;display:flex;flex-direction:column;justify-content:flex-end;min-height:500px;border-radius:var(--r-lg);overflow:hidden;color:#fff;text-decoration:none;isolation:isolate;box-shadow:var(--shadow-lg);transition:transform .45s var(--ease),box-shadow .45s var(--ease)}
.path-card .media{position:absolute;inset:0;z-index:-2}
.path-card .media img{width:100%;height:100%;object-fit:cover;transform:scale(1.02);transition:transform 1.1s var(--ease)}
.path-card::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(7,22,48,.05) 0%,rgba(7,22,48,.18) 22%,rgba(7,22,48,.72) 50%,rgba(7,22,48,.96) 100%)}
.path-card:hover{transform:translateY(-8px);box-shadow:0 44px 70px -24px rgba(7,22,48,.55),0 16px 30px -14px rgba(7,22,48,.35)}
.path-card:hover .media img{transform:scale(1.08)}
.path-card .tag{position:absolute;top:22px;left:22px;display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.92);color:var(--navy-800);font-size:11.5px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;padding:8px 13px;border-radius:999px}
.path-card .tag i{width:7px;height:7px;border-radius:50%;background:var(--powder-500)}
.path-body{padding:34px 40px 36px}
.path-card h2{font-family:var(--serif);font-weight:400;font-size:clamp(34px,3.4vw,48px);line-height:1.02;letter-spacing:-.02em;margin:0 0 14px;font-variation-settings:"opsz" 60}
.path-card p{margin:0 0 18px;font-size:16.5px;line-height:1.55;color:rgba(255,255,255,.88);max-width:31em}
.chips{display:flex;flex-wrap:wrap;gap:6px 6px;margin:0 0 24px;padding:0;list-style:none}
.chips li{font-size:12px;font-weight:600;color:rgba(255,255,255,.88);border:1px solid rgba(255,255,255,.24);background:rgba(255,255,255,.06);padding:4px 10px;border-radius:999px;backdrop-filter:blur(4px)}
.path-card .btn{align-self:flex-start}
.path-card:hover .btn{background:var(--powder-200)}
.path-card:hover .btn svg{transform:translateX(5px)}

/* ---------- Sections ---------- */
section{position:relative}
.section{padding:110px 0}
.section-tight{padding:80px 0}
.kicker{display:inline-flex;align-items:center;gap:12px;font-size:12px;font-weight:800;letter-spacing:.22em;text-transform:uppercase;color:var(--accent)}
.kicker::before{content:"";width:28px;height:1.5px;background:var(--powder-500)}
.h2{font-family:var(--serif);font-weight:400;font-size:clamp(30px,3.3vw,46px);line-height:1.08;letter-spacing:-.018em;color:var(--navy-800);margin:16px 0 18px;font-variation-settings:"opsz" 60}
.h2 em{font-style:italic;color:var(--navy-600)}
.lead{font-size:18px;color:var(--muted);max-width:40em}
.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}

/* Meet Shane */
.meet .wrap{display:grid;grid-template-columns:420px 1fr;gap:88px;align-items:center}
.meet-photo{position:relative}
.meet-photo::before{content:"";position:absolute;inset:34px -26px -26px 34px;border-radius:var(--r-lg);background:var(--powder-200)}
.meet-photo img{position:relative;border-radius:var(--r-lg);aspect-ratio:4/5;object-fit:cover;object-position:50% 20%;width:100%;box-shadow:var(--shadow-md)}
.meet-photo .ease-chip{position:absolute;right:-12px;top:28px;background:#fff;border-radius:12px;padding:10px 14px;box-shadow:var(--shadow-md)}
.meet-photo .ease-chip img{height:34px!important;width:auto;border-radius:0;box-shadow:none;aspect-ratio:auto}
.meet p{color:#2c3c52;margin:0 0 16px;max-width:36em}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:0;margin:34px 0 34px;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.stat{padding:22px 18px 20px 0}
.stat+.stat{padding-left:22px;border-left:1px solid var(--line)}
.stat b{display:block;font-family:var(--serif);font-weight:400;font-size:38px;line-height:1;color:var(--navy-800);letter-spacing:-.02em}
.stat span{display:block;font-size:13.5px;color:var(--muted);margin-top:8px;line-height:1.35}
.sig{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.sig .name{font-family:var(--serif);font-style:italic;font-size:26px;color:var(--navy-800)}
.sig .meta{font-size:13.5px;color:var(--muted);line-height:1.4}

/* Reviews */
.reviews{background:linear-gradient(180deg,var(--powder-100),#fff)}
.reviews-head{display:flex;justify-content:space-between;align-items:flex-end;gap:40px;margin-bottom:46px}
.rating{display:flex;align-items:center;gap:18px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:16px 22px;box-shadow:var(--shadow-md);text-decoration:none;flex-shrink:0}
.rating .score{font-family:var(--serif);font-size:44px;line-height:1;color:var(--navy-800)}
.rating .stars{color:#e8a817;font-size:17px;letter-spacing:2px}
.rating small{display:block;color:var(--muted);font-size:13px}
.review-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.review{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:34px 34px 28px;display:flex;flex-direction:column;transition:transform .35s var(--ease),box-shadow .35s}
.review:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}
.review .q{font-family:var(--serif);font-size:64px;line-height:.6;color:var(--powder-400);height:26px}
.review blockquote{margin:6px 0 24px;font-size:16.5px;line-height:1.65;color:#22324a}
.review footer{margin-top:auto;display:flex;align-items:center;justify-content:space-between;gap:12px;border-top:1px solid var(--line);padding-top:18px}
.review .who b{display:block;color:var(--navy-800);font-size:15.5px}
.review .who span{font-size:13px;color:var(--muted)}
.review .src{display:flex;align-items:center;gap:7px;font-size:12px;font-weight:700;color:var(--muted);letter-spacing:.04em}
.review .src .stars{color:#e8a817;letter-spacing:1px;font-size:13px}
.fine{font-size:12.5px;color:var(--muted);margin-top:22px}

/* How I help */
.help{background:var(--navy-800);color:#fff;overflow:hidden}
.help::before{content:"";position:absolute;right:-200px;top:-200px;width:620px;height:620px;border-radius:50%;background:radial-gradient(circle,rgba(143,184,222,.2),transparent 65%)}
.help .wrap{position:relative;display:grid;grid-template-columns:.9fr 1.1fr;gap:80px;align-items:start}
.help .kicker{color:var(--powder-300)}
.help .h2{color:#fff}.help .h2 em{color:var(--powder-300)}
.help .lead{color:rgba(255,255,255,.75)}
.help-cols{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.help-col{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--r-lg);padding:30px 28px}
.help-col h3{font-family:var(--serif);font-weight:500;font-size:24px;margin:0 0 6px}
.help-col .sub{color:var(--powder-300);font-size:13px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;margin-bottom:18px}
.help-col ul{list-style:none;margin:0 0 22px;padding:0}
.help-col li{position:relative;padding:10px 0 10px 28px;border-top:1px solid rgba(255,255,255,.09);font-size:15.5px;color:rgba(255,255,255,.88);line-height:1.45}
.help-col li::before{content:"";position:absolute;left:2px;top:17px;width:12px;height:7px;border-left:2px solid var(--powder-400);border-bottom:2px solid var(--powder-400);transform:rotate(-45deg)}
.help-col a.more{color:#fff;font-weight:700;font-size:14px;text-decoration:none;border-bottom:1.5px solid var(--powder-500);padding-bottom:2px}
.steps{display:flex;gap:0;margin-top:34px;counter-reset:s}
.steps div{flex:1;padding-right:18px}
.steps div b{display:block;font-family:var(--serif);font-size:15px;color:var(--powder-400);margin-bottom:6px}
.steps div span{font-size:14.5px;color:rgba(255,255,255,.82);line-height:1.45;display:block}

/* Resources */
.res-head{display:flex;justify-content:space-between;align-items:flex-end;gap:30px;margin-bottom:40px}
.res-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.res{display:flex;flex-direction:column;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:28px 24px 24px;position:relative;overflow:hidden;transition:transform .35s var(--ease),box-shadow .35s,border-color .35s}
.res::before{content:"";position:absolute;left:0;top:0;right:0;height:4px;background:linear-gradient(90deg,var(--navy-700),var(--powder-500));transform:scaleX(.18);transform-origin:left;transition:transform .5s var(--ease)}
.res:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);border-color:var(--powder-300)}
.res:hover::before{transform:scaleX(1)}
.res .aud{font-size:11px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--navy-600);margin-bottom:16px}
.res h3{font-family:var(--serif);font-weight:500;font-size:22px;line-height:1.18;color:var(--navy-800);margin:0 0 12px;letter-spacing:-.01em}
.res p{font-size:14.5px;color:var(--muted);margin:0 0 22px;line-height:1.55}
.res .go{margin-top:auto;font-size:13.5px;font-weight:700;color:var(--navy-800)}
.link-arrow{font-weight:700;color:var(--navy-800);text-decoration:none;font-size:15px;border-bottom:1.5px solid var(--powder-500);padding-bottom:2px;white-space:nowrap}

/* Home value strip (secondary) */
.hv-strip{padding:0 0 90px}
.hv-strip .inner{display:flex;align-items:center;justify-content:space-between;gap:24px;border:1px solid var(--line);border-radius:var(--r-md);padding:22px 28px;background:var(--powder-100)}
.hv-strip .t{display:flex;align-items:center;gap:16px}
.hv-strip .ico{width:42px;height:42px;border-radius:50%;background:#fff;display:grid;place-items:center;color:var(--navy-700);flex-shrink:0;border:1px solid var(--line)}
.hv-strip .ico svg{width:20px;height:20px}
.hv-strip b{color:var(--navy-800);font-size:16px;display:block}
.hv-strip span{color:var(--muted);font-size:14px}

/* Consultation CTA */
.cta{position:relative;color:#fff;overflow:hidden;isolation:isolate;padding:120px 0}
.cta .bg{position:absolute;inset:0;z-index:-2}
.cta .bg img{width:100%;height:100%;object-fit:cover;object-position:50% 60%}
.cta::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(7,22,48,.95) 0%,rgba(19,43,82,.86) 45%,rgba(19,43,82,.55) 100%)}
.cta .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:center}
.cta .kicker{color:var(--powder-300)}
.cta .h2{color:#fff;font-size:clamp(34px,4vw,56px)}
.cta .h2 em{color:var(--powder-300)}
.cta p{color:rgba(255,255,255,.82);font-size:18px;max-width:32em;margin:0 0 32px}
.cta .actions{display:flex;flex-wrap:wrap;gap:14px}
.contact-card{background:rgba(255,255,255,.97);color:var(--ink);border-radius:var(--r-lg);padding:30px;box-shadow:var(--shadow-lg)}
.contact-card .top{display:flex;align-items:center;gap:16px;padding-bottom:20px;border-bottom:1px solid var(--line);margin-bottom:12px}
.contact-card .top img{width:64px;height:64px;border-radius:50%;object-fit:cover;object-position:50% 20%}
.contact-card .top b{display:block;font-family:var(--serif);font-weight:500;font-size:22px;color:var(--navy-800)}
.contact-card .top span{font-size:13px;color:var(--muted)}
.contact-card a.row{display:flex;align-items:center;gap:14px;padding:12px 0;text-decoration:none;color:var(--navy-800);font-weight:600;font-size:15.5px}
.contact-card a.row svg{width:20px;height:20px;color:var(--navy-600);flex-shrink:0}
.contact-card .row small{display:block;color:var(--muted);font-weight:500;font-size:12.5px}

/* Footer */
.site-footer{background:var(--navy-900);color:rgba(255,255,255,.72);font-size:14px;padding:72px 0 36px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:48px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.1)}
.foot-brand .brand-name{color:#fff;font-size:24px}
.foot-brand .brand-name small{color:rgba(255,255,255,.6);text-transform:none;letter-spacing:.01em;font-size:12.5px;font-weight:600;white-space:nowrap}
.logo-plate{display:inline-block;margin:24px 0 20px}
.logo-plate img{height:46px;width:auto}
.site-footer h4,.site-footer .foot-heading{color:#fff;font-size:12px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;margin:6px 0 18px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin:0 0 10px}
.site-footer a{color:rgba(255,255,255,.82);text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.legal{padding-top:30px;display:grid;grid-template-columns:auto 1fr;gap:26px;align-items:start;font-size:12.5px;line-height:1.65;color:rgba(255,255,255,.7)}
.legal a,.site-footer .legal a{color:#fff;text-decoration:underline;text-underline-offset:2px}
.legal p{margin:0 0 10px}
.legal b{color:rgba(255,255,255,.85);font-weight:600}
.eho{display:flex;flex-direction:column;align-items:center;gap:6px;color:#fff;font-size:10px;font-weight:700;letter-spacing:.08em;text-align:center;width:84px}
.eho svg{width:46px;height:46px}

/* Sub-page hero */
.page-hero{background:linear-gradient(160deg,var(--navy-900),var(--navy-700));color:#fff;padding:76px 0 84px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-160px;bottom:-260px;width:620px;height:620px;border-radius:50%;background:radial-gradient(circle,rgba(143,184,222,.22),transparent 65%)}
.page-hero .wrap{position:relative;z-index:1}
.crumbs{font-size:13px;color:rgba(255,255,255,.6);margin-bottom:22px}
.crumbs a{color:rgba(255,255,255,.8);text-decoration:none}
.page-hero h1{font-family:var(--serif);font-weight:400;font-size:clamp(38px,5vw,66px);line-height:1.04;letter-spacing:-.02em;margin:14px 0 18px;font-variation-settings:"opsz" 60}
.page-hero .lede{font-size:19px;color:rgba(255,255,255,.82);max-width:36em;margin:0 0 32px}

/* Home value page */
.hv-hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:64px;align-items:center}
.hv-visual{border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:4/3.4;position:relative}
.hv-visual img{width:100%;height:100%;object-fit:cover}
.hv-visual .note{position:absolute;left:18px;right:18px;bottom:18px;background:rgba(255,255,255,.95);color:var(--navy-800);border-radius:12px;padding:14px 16px;font-size:13.5px;line-height:1.45;box-shadow:var(--shadow-md)}
.hv-visual .note b{display:block;font-size:14.5px}
.ext-note{display:block;font-size:13px;color:rgba(255,255,255,.62);margin-top:14px}
.disclaimer{display:flex;gap:18px;background:#fff;border:1px solid var(--line);border-left:5px solid var(--navy-700);border-radius:var(--r-md);padding:24px 28px;box-shadow:var(--shadow-md)}
.disclaimer svg{width:26px;height:26px;color:var(--navy-700);flex-shrink:0;margin-top:2px}
.disclaimer h2{font-size:17px;margin:0 0 6px;color:var(--navy-800)}
.disclaimer p{margin:0;font-size:15px;color:#33445c;line-height:1.6}
.overlap{margin-top:-40px;position:relative;z-index:2}
.steps3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{border:1px solid var(--line);border-radius:var(--r-md);padding:28px 26px;background:#fff}
.step .n{width:38px;height:38px;border-radius:50%;background:var(--powder-200);color:var(--navy-800);font-family:var(--serif);font-size:18px;display:grid;place-items:center;margin-bottom:16px}
.step h3{font-family:var(--serif);font-weight:500;font-size:21px;color:var(--navy-800);margin:0 0 8px}
.step p{margin:0;font-size:15px;color:var(--muted)}
.equity{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.equity ul{list-style:none;padding:0;margin:0}
.equity li a{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 0;border-top:1px solid var(--line);text-decoration:none;color:var(--navy-800);font-weight:600;font-size:17px}
.equity li:last-child a{border-bottom:1px solid var(--line)}
.equity li a span{display:block;font-weight:500;color:var(--muted);font-size:14px;margin-top:3px}
.equity li a svg{width:20px;height:20px;flex-shrink:0;transition:transform .3s var(--ease)}
.equity li a:hover svg{transform:translateX(5px)}

/* Homebuyers stub */
.topic-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.topic{border:1px solid var(--line);border-radius:var(--r-md);padding:22px 20px;background:#fff;text-decoration:none;transition:transform .3s var(--ease),box-shadow .3s}
.topic:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.topic b{display:block;font-family:var(--serif);font-weight:500;font-size:19px;color:var(--navy-800);margin-bottom:6px;line-height:1.2}
.topic span{font-size:14px;color:var(--muted);line-height:1.45;display:block}
.owner-band{background:var(--powder-100);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.owner-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:20px;margin-top:34px}
.owner-card{background:#fff;border:1px solid var(--line);border-radius:var(--r-md);padding:28px 26px;display:flex;flex-direction:column}
.owner-card.feature{background:var(--navy-800);color:#fff;border-color:var(--navy-800)}
.owner-card .aud{font-size:11px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--navy-600);margin-bottom:12px}
.owner-card.feature .aud{color:var(--powder-300)}
.owner-card h3{font-family:var(--serif);font-weight:500;font-size:24px;line-height:1.15;margin:0 0 10px;color:var(--navy-800)}
.owner-card.feature h3{color:#fff}
.owner-card p{font-size:15px;color:var(--muted);margin:0 0 20px}
.owner-card.feature p{color:rgba(255,255,255,.8)}
.owner-card .btn,.owner-card .link-arrow{margin-top:auto;align-self:flex-start}
.owner-card .tiny{font-size:12px;color:rgba(255,255,255,.6);margin-top:12px}
.preview-flag{display:inline-block;font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;background:var(--powder-200);color:var(--navy-800);padding:4px 10px;border-radius:999px;margin-left:8px;vertical-align:middle}


/* ---------- Reveal animations ---------- */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .9s var(--ease),transform .9s var(--ease)}
.reveal.in{opacity:1;transform:none}
.d1{transition-delay:.08s}.d2{transition-delay:.16s}.d3{transition-delay:.24s}.d4{transition-delay:.32s}
.hero .rise{animation:rise 1s var(--ease) both}
.hero .rise.d1{animation-delay:.1s}.hero .rise.d2{animation-delay:.2s}.hero .rise.d3{animation-delay:.3s}
.paths .path-card{animation:rise 1.1s var(--ease) both}
.paths .path-card:nth-child(2){animation-delay:.12s}
@keyframes rise{from{opacity:0;transform:translateY(30px)}to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}}
html.no-anim *{animation:none!important;transition:none!important}
html.no-anim .reveal{opacity:1;transform:none}

/* ---------- Responsive ---------- */
@media (max-width:1180px){
  .nav a{padding:9px 9px;font-size:14px}
  .brand-sep,.site-header .brand-logo{display:none}
  .res-grid{grid-template-columns:repeat(2,1fr)}
  .meet .wrap{grid-template-columns:360px 1fr;gap:60px}
  .help .wrap{grid-template-columns:1fr;gap:40px}
}
@media (max-width:960px){
  .wrap{padding:0 22px}
  .menu-toggle{display:block}
  .nav{position:fixed;inset:70px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;padding:14px 22px 26px;gap:2px;border-bottom:1px solid var(--line);box-shadow:0 30px 40px -20px rgba(7,22,48,.25);transform:translateY(-8px);opacity:0;visibility:hidden;transition:.25s var(--ease)}
  .nav.open{transform:none;opacity:1;visibility:visible}
  .nav a{padding:14px 6px;border-radius:0;border-bottom:1px solid var(--line);font-size:16px}
  .nav .btn{margin:14px 0 0;padding:16px;font-size:13px;border-bottom:0;border-radius:999px}
  .site-header .wrap{height:70px}
  .brand-sep,.site-header .brand-logo{display:block}
  .brand-logo{height:30px}.brand-sep{height:30px}
  .brand-name{font-size:19px}
  .hero{padding:34px 0 150px}
  .hero .wrap{grid-template-columns:1fr;gap:0}
  .hero-portrait{display:none}
  .hero-mini{display:flex!important}
  .paths{margin-top:-122px}
  .paths-grid{grid-template-columns:1fr;gap:20px}
  .path-card{min-height:470px}
  .meet .wrap,.cta .wrap,.hv-hero .wrap,.equity{grid-template-columns:1fr;gap:48px}
  .meet-photo{max-width:420px}
  .reviews-head,.res-head{flex-direction:column;align-items:flex-start;gap:22px}
  .review-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr;gap:36px}
  .steps3,.owner-grid{grid-template-columns:1fr}
  .topic-grid{grid-template-columns:repeat(2,1fr)}
}
.hero-mini{display:none;align-items:center;gap:12px;margin-top:22px}
.hero-mini img{width:48px;height:48px;border-radius:50%;object-fit:cover;object-position:50% 18%;border:2px solid rgba(255,255,255,.7)}
.hero-mini .t{font-size:13px;line-height:1.35;color:rgba(255,255,255,.75)}
.hero-mini .t b{color:#fff;font-size:14.5px;font-weight:600;display:block}
.hero-mini .stars{color:#f0b429;letter-spacing:1px}
@media (max-width:600px){
  body{font-size:16px}
  .wrap{padding:0 18px}
  .brand{gap:11px}
  .brand-name{font-size:17px}
  .brand-name small{font-size:9px;letter-spacing:.12em;margin-top:4px}
  .brand-logo{height:26px}.brand-sep{height:28px}
  .hero{padding:26px 0 128px}
  .eyebrow{font-size:11px;letter-spacing:.18em}
  .eyebrow::before{width:22px}
  .hero h1{font-size:33px;margin:12px 0 12px}
  .hero .lede{font-size:16px}
  .paths{margin-top:-108px;padding-bottom:20px}
  .paths-label{font-size:11px;margin-bottom:14px}
  .path-card{min-height:440px;border-radius:18px}
  .path-body{padding:26px 22px 24px}
  .path-card h2{font-size:34px}
  .path-card p{font-size:15.5px;margin-bottom:14px}
  .chips{gap:6px;margin-bottom:20px}
  .chips li{font-size:11.5px;padding:4px 9px}
  .chips li.x{display:none}
  .path-card .btn{width:100%}
  .path-card .tag{top:16px;left:16px;font-size:10.5px}
  .section{padding:76px 0}
  .section-tight{padding:60px 0}
  .stats{grid-template-columns:1fr 1fr 1fr}
  .stat b{font-size:28px}
  .stat span{font-size:12px}
  .stat+.stat{padding-left:12px}
  .stat{padding-right:8px}
  .meet-photo::before{inset:22px -12px -14px 22px}
  .meet-photo .ease-chip{right:-6px}
  .review{padding:26px 22px 22px}
  .res-grid{grid-template-columns:1fr}
  .hv-strip .inner{flex-direction:column;align-items:flex-start;padding:20px}
  .cta{padding:84px 0}
  .cta .actions .btn{width:100%}
  .foot-grid{grid-template-columns:1fr}
  .legal{grid-template-columns:1fr}
  .help-cols{grid-template-columns:1fr}
  .steps{flex-direction:column;gap:14px}
  .topic-grid{grid-template-columns:1fr}
  .page-hero{padding:52px 0 64px}
  .page-hero h1{font-size:40px}
  .page-hero .btn{width:100%}
  .disclaimer{flex-direction:column;gap:10px;padding:22px}
}

@media (max-width:600px){
  .meet-photo{max-width:300px;margin:0 auto 0 0}
  .review-grid{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;gap:14px;margin:0 -18px;padding:4px 18px 12px;scrollbar-width:none}
  .review-grid::-webkit-scrollbar{display:none}
  .review{flex:0 0 86%;scroll-snap-align:start}
  .review footer{flex-direction:column;align-items:flex-start;gap:8px}
  .swipe-hint{display:block!important}
  .foot-grid{grid-template-columns:1fr 1fr;gap:30px 20px}
  .foot-brand{grid-column:1/-1}
  .foot-grid > div:last-child{grid-column:1/-1}
  .contact-card{padding:24px 20px}
  .reviews-head{margin-bottom:28px}
}
.swipe-hint{display:none;font-size:12.5px;color:var(--muted);margin:0 0 12px;font-weight:600}