/* Mike Casher, Mortgage Broker. Site styles. */
@font-face{font-family:"Public Sans";font-style:normal;font-weight:100 900;font-display:swap;src:url("/assets/fonts/public-sans.woff2") format("woff2")}
@font-face{font-family:"Public Sans";font-style:italic;font-weight:100 900;font-display:swap;src:url("/assets/fonts/public-sans-italic.woff2") format("woff2")}
:root{
  --navy:#0b1440;
  --ink:#101c52;
  --blue:#3d5aa8;
  --blue-soft:#dbe2f4;
  --accent:#6380bc;
  --accent-deep:#4a63a8;
  --star:#e2ae3e;
  --sky:#eef1f9;
  --paper:#ffffff;
  --text:#1f2d3c;
  --muted:#5b6b7c;
  --line:#d8deee;
  --radius:10px;
  --wrap:1180px;
  --font:"Public Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;font-family:var(--font);font-size:1.0625rem;line-height:1.65;color:var(--text);background:var(--paper);text-rendering:optimizeLegibility}
img,svg{max-width:100%;display:block}
[hidden]{display:none!important}
a{color:var(--blue);text-underline-offset:.18em;text-decoration-thickness:1px}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:4px}
h1,h2,h3{color:var(--ink);line-height:1.15;letter-spacing:-.015em;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,1.2rem + 3.4vw,3.5rem);font-weight:900;letter-spacing:-.025em;line-height:1.04}
h2{font-size:clamp(1.6rem,1.2rem + 1.4vw,2.3rem);font-weight:850;letter-spacing:-.02em}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
.muted{color:var(--muted)}
.skip{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 14px;z-index:99;font-weight:700}
.skip:focus{left:10px;top:10px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;font:inherit;font-weight:700;font-size:1rem;line-height:1.2;padding:.9em 1.3em;border-radius:8px;border:2px solid transparent;text-decoration:none;cursor:pointer;transition:background-color .15s,border-color .15s,color .15s}
.btn--primary{background:var(--ink);color:#fff}
.btn--primary:hover{background:var(--accent-deep);color:#fff}
.va-band .btn--primary,.closer .btn--primary{background:#fff;color:var(--ink)}
.va-band .btn--primary:hover,.closer .btn--primary:hover{background:var(--blue-soft);color:var(--ink)}
.btn--navy{background:var(--ink);color:#fff}
.btn--navy:hover{background:var(--navy);color:#fff}
.btn--line{border-color:var(--ink);color:var(--ink);background:transparent}
.btn--line:hover{background:var(--ink);color:#fff}
.btn--ghost-light{border-color:rgba(255,255,255,.55);color:#fff}
.btn--ghost-light:hover{background:#fff;color:var(--navy)}
.btn--sm{padding:.6em 1em;font-size:.95rem}
.btn--block{width:100%}
.textlink{font-weight:700;color:var(--ink);text-decoration:underline;text-decoration-color:var(--accent);text-decoration-thickness:3px;text-underline-offset:.3em}
.textlink:hover{color:var(--blue)}

/* Header */
.masthead{background:var(--navy);border-bottom:1px solid rgba(255,255,255,.1);position:sticky;top:0;z-index:20}
.masthead__row{display:flex;align-items:center;gap:18px;min-height:80px}
.brand{display:flex;align-items:center;text-decoration:none;margin-right:auto;flex-shrink:0}
.masthead .wrap{max-width:1320px}
.brand picture{display:block}
.brand__logo{height:54px;width:auto;max-width:none;object-fit:contain}
@media (max-width:479px){.brand__logo{height:38px}}
@media (min-width:1100px) and (max-width:1279px){.brand__logo{height:48px}.mainnav > a,.dd__top{padding:8px 8px}}
.brand__mark{display:grid;place-items:center;width:42px;height:42px;border-radius:9px;background:var(--ink);color:#fff;font-weight:800;font-size:1rem;letter-spacing:.02em;box-shadow:inset 0 -4px 0 var(--accent)}
.brand__text{display:flex;flex-direction:column;line-height:1.15}
.brand__name{font-weight:800;font-size:1.15rem;letter-spacing:-.01em}
.brand__sub{font-size:.78rem;color:var(--muted);white-space:nowrap}
@media (max-width:400px){.brand__sub{font-size:.7rem}.menu__label{display:none}}
.mainnav{display:none;align-items:center;gap:2px}
.mainnav > a,.dd__top{color:#d9def2;text-decoration:none;font-weight:700;font-size:.84rem;text-transform:uppercase;letter-spacing:.07em;white-space:nowrap;padding:10px 11px;border-radius:6px;display:inline-flex;align-items:center;gap:7px}
.mainnav > a:hover,.dd:hover .dd__top,.dd:focus-within .dd__top{background:rgba(255,255,255,.08);color:#fff}
.mainnav a[aria-current="page"]{color:#fff;box-shadow:inset 0 -3px 0 var(--accent);border-radius:0}
.dd{position:relative}
.dd__caret{width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:translateY(-2px) rotate(45deg)}
.dd__panel{position:absolute;left:-12px;top:100%;width:min(640px,calc(100vw - 40px));background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 18px 40px rgba(11,20,64,.14);padding:22px 24px 18px;display:grid;grid-template-columns:repeat(2,1fr);gap:18px 28px;opacity:0;visibility:hidden;transform:translateY(6px);transition:opacity .15s,transform .15s,visibility .15s;z-index:30}
.dd__panel::before{content:"";position:absolute;left:0;right:0;top:-12px;height:12px}
.dd:hover .dd__panel,.dd:focus-within .dd__panel{opacity:1;visibility:visible;transform:none}
.dd__group{display:flex;flex-direction:column}
.dd__h{font-size:.76rem;font-weight:800;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin:0 0 6px}
.dd__group a{color:var(--ink);text-decoration:none;font-weight:600;padding:6px 0;font-size:.97rem}
.dd__group a:hover{color:var(--blue)}
.dd__all{grid-column:1/-1;border-top:1px solid var(--line);padding-top:12px;font-weight:700;color:var(--ink);text-decoration:underline;text-decoration-color:var(--accent);text-decoration-thickness:2px;text-underline-offset:.3em}
.masthead__phone{display:none;font-weight:700;color:#fff;text-decoration:none;white-space:nowrap}
.masthead__cta{display:none;text-transform:uppercase;letter-spacing:.07em;font-size:.82rem;white-space:nowrap}
.menu{position:relative}
.menu summary{list-style:none;display:flex;align-items:center;gap:8px;cursor:pointer;font-weight:700;color:#fff;padding:10px 12px;border:1px solid rgba(255,255,255,.3);border-radius:8px}
.menu summary::-webkit-details-marker{display:none}
.menu__bars{width:18px;height:2px;background:currentColor;position:relative;display:block}
.menu__bars::before,.menu__bars::after{content:"";position:absolute;left:0;width:18px;height:2px;background:currentColor}
.menu__bars::before{top:-6px}.menu__bars::after{top:6px}
.menu__panel{position:absolute;right:0;top:calc(100% + 10px);background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 18px 40px rgba(11,20,64,.16);padding:8px;display:flex;flex-direction:column;min-width:240px}
.menu__panel a{padding:12px 14px;text-decoration:none;color:var(--ink);font-weight:700;border-radius:6px;text-transform:uppercase;letter-spacing:.08em;font-size:.92rem}
.menu__panel a:hover,.menu__panel a[aria-current="page"]{background:var(--sky)}
.menu__panel .menu__apply{background:#fff;color:var(--ink);border:2px solid var(--ink);margin-top:6px;text-align:center;font-weight:800}
.menu__panel .menu__phone{background:var(--ink);color:#fff;margin-top:6px;text-align:center;font-weight:800}
@media (min-width:1100px){
  .mainnav{display:flex}
  .masthead__cta{display:inline-flex}
  .menu{display:none}
}
@media (min-width:1280px){.masthead__phone{display:inline-flex}}
@media (min-width:640px) and (max-width:1099px){.masthead__phone{display:inline-flex}}

/* Hero: full-width navy, big type */
.hero{position:relative;background:var(--navy);color:#d9def2;overflow:hidden;isolation:isolate}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background-image:radial-gradient(circle,rgba(170,184,236,.28) 1.6px,transparent 2px);background-size:26px 26px;background-position:right top;-webkit-mask-image:linear-gradient(100deg,transparent 30%,#000 75%);mask-image:linear-gradient(100deg,transparent 30%,#000 75%)}
.hero--photo{background:linear-gradient(90deg,rgba(11,20,64,.94) 0%,rgba(11,20,64,.82) 45%,rgba(11,20,64,.35) 100%),url("/assets/hero.jpg") center/cover no-repeat}
.hero--photo::before{display:none}
.hero__inner{padding-block:64px 72px}
.hero__head{container-type:inline-size}
.hero__kicker{font-family:var(--font);font-weight:800;color:#aab8ec;text-transform:uppercase;letter-spacing:.12em;font-size:.86rem;line-height:1.5;margin:0 0 18px}
.hero__title{color:#fff;text-transform:uppercase;font-size:min(calc(100cqi / 13.6),3.5rem);font-weight:750;letter-spacing:-.005em;line-height:1.05;margin:0 0 20px}
.hero__title span{display:block;white-space:nowrap}
.hero__promise span{white-space:nowrap}
.hero__promise{margin:0;font-weight:800;color:#aab8ec;font-size:clamp(1.05rem,.85rem + .6vw,1.335rem);letter-spacing:-.01em;line-height:1.3}
.hero__lead{font-size:clamp(1.08rem,1rem + .35vw,1.2rem);max-width:54ch;color:#d4daf0;line-height:1.6;margin-top:14px}
.hero__actions{display:flex;flex-wrap:wrap;gap:12px;margin:30px 0 20px}
.hero__fine{font-size:.86rem;color:#9aa7d4;margin:0}
.hero__photo{display:none;margin:0}
.hero__callshort{display:none}
.hero__intro{display:flex;align-items:center;gap:12px;margin:0;color:#c9d2f2;font-size:1.02rem}
.hero__avatar{width:44px;height:44px;border-radius:50%;object-fit:cover;object-position:center 18%;border:2px solid rgba(255,255,255,.7);flex:none}
@media (min-width:960px){.hero__inner--split .hero__avatar{display:none}}
@media (max-width:599px){
  .hero__inner{padding-block:40px 44px}
  .hero__kicker{font-size:.74rem;letter-spacing:.09em;margin-bottom:14px}
  .hero__title{margin-bottom:14px}
  .hero__more{display:none}
  .hero__lead{margin-top:12px;margin-bottom:0;font-size:1rem}
  .hero__actions{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:22px 0 18px}
  .hero__actions .btn{padding:.85em .6em;font-size:.95rem}
  .hero__callfull{display:none}
  .hero__callshort{display:inline}
  .hero__fine{font-size:.78rem}
}
@media (min-width:960px){
  .hero__inner{padding-block:72px 104px}
  .hero__title{margin-bottom:24px}
  .hero__inner--split{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(0,1fr);grid-template-areas:"head photo" "copy photo";grid-template-rows:auto 1fr;column-gap:40px;padding-bottom:0}
  .hero__inner--split .hero__title{font-size:min(calc(100cqi / 11.6),3.5rem)}
  .hero__inner--split .hero__head{grid-area:head}
  .hero__inner--split .hero__copy{grid-area:copy;padding-bottom:56px}
  .hero__photo{display:block;grid-area:photo;align-self:end;margin-top:0}
  .hero__photo img{display:block;width:100%;max-width:370px;margin-left:auto;height:auto;-webkit-mask-image:linear-gradient(180deg,transparent 0,#000 8%,#000 86%,transparent 100%),linear-gradient(90deg,transparent 0,#000 16%);-webkit-mask-composite:source-in;mask-image:linear-gradient(180deg,transparent 0,#000 8%,#000 86%,transparent 100%),linear-gradient(90deg,transparent 0,#000 16%);mask-composite:intersect}
}

/* Fact strip under the hero */
.factband{background:var(--accent-deep);color:#fff}
.factband__list{list-style:none;margin:0 auto;display:grid;grid-template-columns:1fr 1fr}
.factband__list li{display:flex;flex-direction:column;gap:2px;padding:20px 0;padding-right:16px}
.factband strong{font-size:clamp(1.3rem,1.1rem + .8vw,1.75rem);font-weight:900;letter-spacing:-.01em;line-height:1.1}
.factband span{font-size:.9rem;color:#e3e8f8}
.factband strong .factband__stars{font-size:inherit;color:#f3c64b}
@media (min-width:860px){.factband__list{grid-template-columns:repeat(4,1fr)}.factband__list li{padding:26px 24px;border-left:1px solid rgba(255,255,255,.22)}.factband__list li:first-child{border-left:0;padding-left:0}}

/* Sections */
.section{padding:72px 0}
.section--tint{background:var(--sky)}
.section__head{max-width:640px;margin-bottom:36px}
.section__head p{color:var(--muted);font-size:1.08rem}
.section__head--row{display:flex;justify-content:space-between;align-items:baseline;gap:20px;max-width:none}

/* Program lists */
.groups{display:grid;gap:34px}
@media (min-width:800px){.groups{grid-template-columns:1fr 1fr;gap:40px 56px}}
.group__name{font-size:1rem;color:var(--muted);font-weight:700;margin:0 0 10px;padding-bottom:10px;border-bottom:2px solid var(--ink)}
.plist{list-style:none;margin:0;padding:0}
.plist li{border-bottom:1px solid var(--line)}
.plist a{display:grid;gap:3px;padding:16px 36px 16px 0;text-decoration:none;position:relative}
.plist a::after{content:"";position:absolute;right:8px;top:50%;width:9px;height:9px;border-top:2px solid var(--ink);border-right:2px solid var(--ink);transform:translateY(-50%) rotate(45deg);transition:right .15s}
.plist a:hover::after{right:2px;border-color:var(--accent-deep)}
.plist__name{font-weight:750;color:var(--ink);font-size:1.12rem}
.plist__desc{color:var(--muted);font-size:.98rem}
.plist a:hover .plist__name{color:var(--blue)}
.prose .plist{margin:0 0 2em;padding:0}
.prose .plist li{margin:0}
.prose .plist a{text-decoration:none}

/* VA band */
.va-band{background:var(--navy);color:#d9def2;padding:72px 0;position:relative}
.va-band::before{content:"";position:absolute;inset:0 auto 0 0;width:8px;background:var(--accent)}
.va-band h2{color:#fff}
.va-band p{max-width:52ch;font-size:1.08rem}
.va-band__grid{display:grid;gap:36px;align-items:center}
@media (min-width:900px){.va-band__grid{grid-template-columns:1fr 1fr;gap:64px}}
.checks{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.checks li{position:relative;padding-left:30px}
.checks li::before{content:"";position:absolute;left:2px;top:.45em;width:14px;height:8px;border-left:3px solid var(--accent-deep);border-bottom:3px solid var(--accent-deep);transform:rotate(-45deg)}
.checks--light li{color:#fff;font-weight:600;padding:12px 0 12px 32px;border-bottom:1px solid rgba(255,255,255,.14)}
.checks--light li::before{border-color:var(--accent);top:1.15em}

/* Steps (a real sequence) */
.steps{list-style:none;margin:0;padding:0;display:grid;gap:22px;counter-reset:s}
@media (min-width:760px){.steps{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1080px){.steps{grid-template-columns:repeat(4,1fr)}}
.steps li{counter-increment:s;padding:26px 22px 22px;border-top:4px solid var(--ink);background:#fff;position:relative}
.steps li::before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--accent);color:#fff;font-weight:800;margin-bottom:14px}
.steps p{color:var(--muted);margin:0}

/* Towns */
.areas-home{display:grid;gap:36px;align-items:start}
@media (min-width:900px){.areas-home{grid-template-columns:1fr 1fr;gap:64px}}
.townlist{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.townlist a{display:flex;justify-content:space-between;align-items:baseline;gap:12px;background:#fff;border:1px solid var(--line);border-left:5px solid var(--ink);border-radius:6px;padding:16px 18px;text-decoration:none;color:var(--ink);font-weight:750;font-size:1.12rem}
.townlist a:hover{border-left-color:var(--accent)}
.townlist small{color:var(--muted);font-weight:500;font-size:.88rem}
@media (min-width:600px){.townlist--grid{grid-template-columns:1fr 1fr}}
.townlist--grid a{flex-direction:column;gap:2px;font-size:1.06rem}
.townlist--big a{display:grid;grid-template-columns:1fr auto;row-gap:6px}
.townlist--big em{grid-column:1/-1;font-style:normal;font-weight:400;font-size:.98rem;color:var(--muted)}

/* Blog cards */
.postgrid{display:grid;gap:22px}
@media (min-width:760px){.postgrid{grid-template-columns:repeat(3,1fr)}}
.postcard{border-top:4px solid var(--ink);padding-top:16px}
.postcard__cat{font-size:.88rem;font-weight:700;color:var(--blue);margin-bottom:6px}
.postcard h3{font-size:1.22rem;line-height:1.25}
.postcard h3 a{color:var(--ink);text-decoration:none}
.postcard h3 a:hover{text-decoration:underline;text-decoration-color:var(--accent);text-decoration-thickness:3px}
.postcard p{color:var(--muted);font-size:.98rem}
.postcard__meta{font-size:.86rem}

/* About strip, portrait */
.about-strip{display:grid;gap:30px;align-items:center}
@media (min-width:760px){.about-strip{grid-template-columns:220px 1fr;gap:48px}}
.about-strip p{max-width:62ch}
.portrait{width:100%;max-width:220px;aspect-ratio:4/5;object-fit:cover;border-radius:12px;box-shadow:10px 10px 0 var(--accent)}
.portrait--mono{display:grid;place-items:center;background:var(--ink);color:#fff;font-size:3.4rem;font-weight:800;letter-spacing:.02em}

/* Breadcrumbs */
.crumbs{padding-top:18px;padding-bottom:0;font-size:.88rem}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px}
.crumbs li:not(:last-child)::after{content:"/";margin-left:6px;color:#a7b4c2}
.crumbs a{color:var(--muted)}
.crumbs [aria-current]{color:var(--text)}

/* Page heads */
.pagehead{padding:26px 0 48px;border-bottom:1px solid var(--line);background:linear-gradient(180deg,#fff,var(--sky))}
.pagehead--slim{padding-bottom:36px}
.pagehead__grid{display:grid;gap:30px;align-items:start}
@media (min-width:960px){.pagehead__grid{grid-template-columns:1.4fr .8fr;gap:56px}}
.pagehead__group{font-weight:700;color:var(--blue);margin:14px 0 10px}
.pagehead h1{max-width:20ch;margin-top:10px}
.pagehead--slim h1{margin-top:22px}
.lead{font-size:1.15rem;color:#2d3d4e;max-width:60ch}
.fitbox{background:#fff;border:1px solid var(--line);border-top:5px solid var(--accent);border-radius:var(--radius);padding:22px 24px}
.fitbox h2{font-size:1.1rem;margin-bottom:14px}
.tags{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.tags li{background:var(--sky);border:1px solid var(--line);border-radius:999px;padding:5px 12px;font-size:.92rem;color:var(--ink)}

/* Article layout */
.article-layout{display:grid;gap:44px;padding-top:48px;padding-bottom:72px}
@media (min-width:960px){.article-layout{grid-template-columns:minmax(0,1fr) 300px;gap:64px}}
.prose{max-width:70ch}
.prose h2{margin-top:1.8em}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.6em}
.prose ul,.prose ol{padding-left:1.25em;margin:0 0 1.2em}
.prose li{margin-bottom:.5em}
.prose li::marker{color:var(--accent-deep)}
.prose strong{color:var(--ink)}
.prose--post{font-size:1.1rem}
.prose--post > p:first-child{font-size:1.2rem;color:#2d3d4e}
.disclaimer{font-size:.86rem;color:var(--muted);border-top:1px solid var(--line);padding-top:16px;margin-top:36px}
.sidebar{display:grid;gap:24px;align-content:start}
@media (min-width:960px){.sidebar{position:sticky;top:96px}}
.sidecard{background:var(--sky);border-radius:var(--radius);padding:22px}
.sidecard__h{font-weight:800;color:var(--ink);margin-bottom:6px}
.sidecard p{font-size:.97rem}
.sidecard__phone{display:block;text-align:center;font-weight:800;color:var(--ink);margin-top:12px;text-decoration:none;font-size:1.1rem}
.sidelinks{display:flex;flex-direction:column}
.sidelinks a{padding:10px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:600;color:var(--ink)}
.sidelinks a:hover{color:var(--blue)}

/* FAQ */
.faq{margin-top:2.4em}
.faq details{border-bottom:1px solid var(--line)}
.faq details:first-of-type{border-top:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;font-weight:700;color:var(--ink);padding:16px 40px 16px 0;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:6px;top:50%;transform:translateY(-50%);font-size:1.5rem;font-weight:500;color:var(--accent-deep);line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:0 0 18px;color:#33475b}

/* Post */
.posthead{padding-top:20px;padding-bottom:10px}
.posthead h1{font-size:clamp(2rem,1.3rem + 2.4vw,3rem);max-width:24ch}
.posthead__meta{color:var(--muted);font-size:.95rem}
.authorbox{display:grid;grid-template-columns:96px 1fr;gap:20px;align-items:center;background:var(--sky);border-radius:var(--radius);padding:20px;margin-top:40px}
.authorbox .portrait{max-width:96px;box-shadow:5px 5px 0 var(--accent);font-size:1.6rem}
.authorbox p{font-size:.97rem;margin:0}
.authorbox__name{font-weight:800;color:var(--ink);margin-bottom:4px!important}

/* Listing / single */
.listing{padding-top:48px;padding-bottom:72px}
.listing__note{margin-top:56px}
.single{padding-top:44px;padding-bottom:72px}
.about-layout{display:grid;gap:40px;padding-top:44px;padding-bottom:72px}
@media (min-width:860px){.about-layout{grid-template-columns:240px 1fr;gap:64px}.about-photo{position:sticky;top:100px;align-self:start}}

/* Contact form */
.contact-layout{display:grid;gap:40px;padding-top:44px;padding-bottom:72px}
@media (min-width:960px){.contact-layout{grid-template-columns:minmax(0,1fr) 320px;gap:64px}}
.form{display:grid;gap:18px;max-width:680px}
.form__row{display:grid;gap:18px}
@media (min-width:640px){.form__row--2{grid-template-columns:1fr 1fr}}
.form__row{align-items:start}
.form label{display:grid;align-content:start;gap:6px;font-weight:700;color:var(--ink);font-size:.97rem}
.opt{font-weight:400;color:var(--muted)}
.form input,.form select{min-height:50px}
.form input,.form select,.form textarea{font:inherit;font-weight:400;color:var(--text);background:#fff;border:1.5px solid #b9c7d6;border-radius:8px;padding:12px 14px;width:100%}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px var(--blue-soft)}
.form .consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.9rem;color:var(--muted)}
.form .consent input{width:20px;height:20px;margin-top:2px;flex:none}
.form button{justify-self:start}
.form__fine{font-size:.86rem;color:var(--muted);margin:0}
.hp{position:absolute;left:-9999px}
.contact-big{display:block;font-size:1.6rem;font-weight:800;color:var(--ink);text-decoration:none;margin-bottom:16px}

/* Closer + footer */
.closer{background:var(--ink);color:#d9def2;padding:56px 0}
.closer h2{color:#fff;font-size:clamp(1.5rem,1.1rem + 1.3vw,2.1rem)}
.closer p{max-width:56ch;margin:0}
.closer__inner{display:grid;gap:26px;align-items:center}
.closer__actions{display:flex;flex-wrap:wrap;gap:12px}
@media (min-width:900px){.closer__inner{grid-template-columns:1fr auto;gap:48px}}
.footer{background:var(--navy);color:#b6c6d8;font-size:.95rem;padding:56px 0 30px}
.footer a{color:#e3ecf5;text-decoration:none}
.footer a:hover{color:var(--accent)}
.footer__grid{display:grid;gap:32px}
@media (min-width:860px){.footer__grid{grid-template-columns:1.6fr 1fr 1fr 1fr;gap:40px}}
.footer__name{color:#fff;font-weight:800;font-size:1.1rem}
.footer__h{color:#fff;font-weight:700;margin-bottom:10px}
.footer__col{display:flex;flex-direction:column;gap:7px}
.footer__legal{display:grid;grid-template-columns:44px 1fr;gap:6px 18px;border-top:1px solid rgba(255,255,255,.14);margin-top:40px;padding-top:24px;font-size:.82rem;color:#93a7bd}
.footer__legal p{margin:0;grid-column:2}
.footer__legal a{text-decoration:underline;color:#c7d5e4}
.eho{width:40px;height:40px;color:#c7d5e4;grid-row:span 2}

/* Reviews */
.stars{display:inline-block;width:92px;height:18px;vertical-align:-3px}
.stars svg{width:100%;height:100%}
.stars path{fill:var(--star)}
.stars--inline{width:84px;margin-right:6px}
.review{margin:0;background:#fff;border:1px solid var(--line);border-radius:12px;padding:22px 22px 20px;display:flex;flex-direction:column;gap:14px}
.review__top{display:flex;align-items:center;justify-content:space-between;gap:10px}
.review__src{font-size:.82rem;color:var(--muted);font-weight:600}
.review blockquote{margin:0;flex:1}
.review blockquote p{margin:0;color:var(--text);font-size:1rem;line-height:1.6}
.review figcaption{font-weight:800;color:var(--ink)}
.reviews-band{padding:64px 0 56px;border-bottom:1px solid var(--line)}
.reviews-band__head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:12px 30px;margin-bottom:28px}
.reviews-band__head h2{margin-bottom:6px}
.reviews-band__head p{margin:0;color:var(--muted)}
.marquee{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent);mask-image:linear-gradient(90deg,transparent,#000 6%,#000 94%,transparent)}
.marquee__track{display:flex;width:max-content;animation:marquee 70s linear infinite}
.marquee:hover .marquee__track,.marquee:focus-within .marquee__track{animation-play-state:paused}
.marquee__set{display:flex;gap:20px;padding-right:20px}
.marquee .review{width:340px;flex:none;background:var(--sky);border-color:transparent}
@keyframes marquee{to{transform:translateX(-50%)}}
@media (max-width:640px){.marquee .review{width:280px}.marquee__track{animation-duration:55s}}
@media (prefers-reduced-motion:reduce){
  .marquee{overflow-x:auto;-webkit-mask-image:none;mask-image:none;padding:0 20px 8px}
  .marquee__track{animation:none}
  .marquee__set[aria-hidden="true"]{display:none}
}
.trio-wrap{padding-bottom:72px}
.trio{border-top:1px solid var(--line);padding-top:48px}
.trio__head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:baseline;gap:10px 24px;margin-bottom:24px}
.trio__head h2{margin:0}
.trio__grid{display:grid;gap:20px}
@media (min-width:860px){.trio__grid{grid-template-columns:repeat(3,1fr)}}
.article-layout + .trio-wrap{margin-top:-24px}

/* VA hub path tiles */
.paths-wrap{padding-top:52px}
.paths{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:14px}
@media (min-width:640px){.paths{grid-template-columns:1fr 1fr}}
@media (min-width:1000px){.paths{grid-template-columns:repeat(3,1fr)}}
.paths a{display:flex;flex-direction:column;gap:6px;height:100%;background:#fff;border:1px solid var(--line);border-top:4px solid var(--ink);border-radius:8px;padding:18px 20px;text-decoration:none}
.paths a:hover{border-top-color:var(--accent);box-shadow:0 10px 24px rgba(11,20,64,.08)}
.paths__t{font-weight:800;color:var(--ink);font-size:1.08rem}
.paths__d{color:var(--muted);font-size:.96rem}

/* Calculators */
.toolnav{display:flex;flex-wrap:wrap;gap:10px 22px;margin:6px 0 0}
.toolnav a{font-weight:700;color:var(--ink);text-decoration:underline;text-decoration-color:var(--accent);text-decoration-thickness:2px;text-underline-offset:.3em}
.tools{padding-top:44px;padding-bottom:72px;display:grid;gap:56px}
.calc{scroll-margin-top:100px}
.calc__head{max-width:640px;margin-bottom:22px}
.calc__head p{color:var(--muted);margin:0}
.calc__grid{display:grid;gap:28px;align-items:start}
@media (min-width:960px){.calc__grid{grid-template-columns:minmax(0,1.25fr) minmax(0,1fr);gap:40px}}
.calc__form{max-width:none}
.calc__form .form__row{gap:16px}
.field{position:relative;display:block}
.field input{width:100%}
.field--money input{padding-left:28px}
.field--money::before{content:"$";position:absolute;left:13px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:500;pointer-events:none}
.field--pct input,.field--yr input,.field--mo input{padding-right:44px}
.field--pct::after,.field--yr::after,.field--mo::after{position:absolute;right:13px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:500;font-size:.92rem;pointer-events:none}
.field--pct::after{content:"%"}
.field--yr::after{content:"/yr"}
.field--mo::after{content:"/mo"}
.hint{font-weight:400;color:var(--muted);font-size:.84rem}
.calc__more{border:1px solid var(--line);border-radius:var(--radius);padding:16px 18px 18px;margin:0;display:grid;gap:16px}
.calc__more legend{font-weight:800;color:var(--ink);padding:0 6px}
.calc__out{background:var(--navy);color:#d9def2;border-radius:14px;padding:26px 26px 24px;display:flex;flex-direction:column;gap:14px}
@media (min-width:960px){.calc__out{position:sticky;top:100px}}
.calc__label{margin:0;font-weight:700;color:#aab8ec}
.calc__big{margin:0;font-size:clamp(2.4rem,1.8rem + 2vw,3.2rem);font-weight:800;color:#fff;letter-spacing:-.02em;font-variant-numeric:tabular-nums;line-height:1}
.calc__bar{display:flex;height:12px;border-radius:6px;overflow:hidden;background:rgba(255,255,255,.12);gap:2px}
.calc__bar span{display:block;min-width:3px}
.calc__rows,.calc__meta{margin:0;display:grid;gap:0}
.calc__rows div,.calc__meta div{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.calc__rows dt,.calc__meta dt{display:flex;align-items:center;gap:9px;color:#d9def2}
.calc__rows dt i{width:10px;height:10px;border-radius:3px;flex:none;box-shadow:0 0 0 1px rgba(255,255,255,.35)}
.calc__rows dd,.calc__meta dd{margin:0;font-weight:700;color:#fff;font-variant-numeric:tabular-nums}
.calc__meta div{border-bottom:0;padding:4px 0}
.calc__meta dt{color:#a9b4dc;font-size:.93rem}
.calc__note{margin:0;font-size:.9rem;color:#b8c2e6;min-height:1em}
.btn--white{background:#fff;color:var(--ink)}
.btn--white:hover{background:var(--blue-soft);color:var(--ink)}
.tools__disc{margin-top:0}