:root {
  --navy: #111936;
  --blue: #1b71b6;
  --steel: #465364;
  --line: #d8e0ea;
  --line-strong: #bfccdb;
  --shadow-card: 0 18px 44px rgba(17, 25, 54, 0.08);
  --shadow-panel: 0 24px 60px rgba(17, 25, 54, 0.10);
  --paper: #f6f8fb;
  --white: #ffffff;
  --green: #2f7d5c;
  --wide-max: 1220px;
  --content-max: 1080px;
  --page-x: 44px;
  --section-y: 64px;
  --section-y-tight: 48px;
  --section-y-compact: 40px;
  --anchor-offset: 118px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-padding-top: var(--anchor-offset);
}

body {
  margin: 0;
  color: #151821;
  background: var(--paper);
  font-family: Arial, Helvetica, sans-serif;
  line-height: 1.5;
}

a {
  color: inherit;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  gap: 24px;
  min-height: 74px;
  padding: 12px max(28px, calc((100vw - 1320px) / 2 + 28px));
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid var(--line);
}

.brand {
  display: flex;
  align-items: center;
  gap: 14px;
  text-decoration: none;
  min-width: 388px;
}

.brand-logo {
  display: block;
  width: 178px;
  height: auto;
  padding-right: 14px;
  border-right: 1px solid var(--line);
}

.brand-text {
  display: block;
  min-width: 0;
}

.brand-name {
  display: block;
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 25px;
  font-weight: 700;
  line-height: 27px;
}

.brand-role {
  display: block;
  color: var(--blue);
  font-size: 12px;
  font-weight: 700;
}

.nav {
  display: flex;
  align-items: center;
  flex-wrap: wrap;
  gap: 14px;
  margin-left: auto;
  font-size: 14px;
  font-weight: 700;
  color: var(--steel);
}

.nav a {
  text-decoration: none;
}

.nav a:hover {
  color: var(--blue);
}

.nav-check {
  position: absolute;
  left: -9999px;
  width: 1px;
  height: 1px;
  opacity: 0;
  pointer-events: none;
  appearance: none;
}

.menu-toggle {
  display: none;
}

.apply-link,
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 0 18px;
  border-radius: 8px;
  border: 1px solid transparent;
  font-size: 13px;
  font-weight: 800;
  text-decoration: none;
}

.apply-link,
.button.primary {
  color: var(--white);
  background: var(--blue);
}

.button.primary:hover,
.apply-link:hover {
  background: #155f9b;
}

.button.secondary {
  color: var(--navy);
  background: var(--white);
  border-color: var(--line-strong);
}

.button.secondary:hover {
  border-color: var(--blue);
}

.button.full {
  width: 100%;
}

.hero {
  position: relative;
  display: grid;
  grid-template-columns: minmax(360px, 620px) minmax(300px, 430px);
  justify-content: center;
  align-items: center;
  gap: 86px;
  min-height: 560px;
  padding: 76px var(--page-x) 0;
  overflow: hidden;
  background: var(--navy);
}

.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background: rgba(17, 25, 54, 0.22);
  z-index: 1;
}

.hero-portrait {
  position: relative;
  z-index: 0;
  justify-self: center;
  align-self: end;
  width: 410px;
  max-width: 100%;
  height: auto;
  filter: saturate(1.05);
}

.hero-content {
  position: relative;
  z-index: 2;
  width: 100%;
  max-width: 620px;
  padding: 0 0 72px;
  color: var(--white);
}

.kicker,
.eyebrow {
  margin: 0 0 12px 0;
  color: var(--blue);
  font-size: 13px;
  font-weight: 800;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1,
h2 {
  font-family: Georgia, "Times New Roman", serif;
}

h1,
h2,
h3 {
  text-wrap: balance;
}

.nowrap {
  white-space: nowrap;
}

.sent {
  text-wrap: balance;
}

h1 {
  margin-bottom: 18px;
  font-size: 58px;
  line-height: 61px;
  max-width: 620px;
}

.hero-copy {
  margin-bottom: 24px;
  max-width: 570px;
  color: #edf4fb;
  font-size: 18px;
}

.hero-actions,
.refresh-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
}

.decision-section {
  position: relative;
  z-index: 3;
  display: grid;
  grid-template-columns: minmax(310px, 480px) minmax(0, 1fr);
  gap: 34px;
  align-items: stretch;
  max-width: var(--wide-max);
  margin: 0 auto;
  padding: var(--section-y-tight) var(--page-x) var(--section-y-compact);
}

.decision-visual {
  min-height: 430px;
  overflow: hidden;
  border: 1px solid rgba(216, 224, 234, 0.9);
  border-radius: 20px;
  background: var(--white);
  box-shadow: var(--shadow-panel);
}

.decision-visual img {
  display: block;
  width: 100%;
  height: 100%;
  min-height: 430px;
  object-fit: cover;
}

.decision-copy {
  padding: 36px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  box-shadow: var(--shadow-panel);
}

.decision-copy h2 {
  max-width: 620px;
  margin-bottom: 12px;
  color: var(--navy);
  font-size: 40px;
  line-height: 44px;
}

.decision-copy > p:not(.eyebrow) {
  max-width: 62ch;
  color: var(--steel);
  font-size: 17px;
}

.decision-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 16px;
  margin-top: 26px;
}

.decision-grid a {
  display: grid;
  gap: 8px;
  min-height: 160px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f8fbfd;
  text-decoration: none;
  transition: border-color 160ms ease, box-shadow 160ms ease, transform 160ms ease;
}

.decision-grid a:hover {
  border-color: #9cbddd;
  box-shadow: 0 18px 42px rgba(17, 25, 54, 0.09);
  transform: translateY(-2px);
}

.decision-grid a > span {
  color: var(--blue);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .05em;
  text-transform: uppercase;
}

.decision-grid strong {
  color: var(--navy);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 22px;
  line-height: 25px;
}

.decision-grid small {
  color: var(--steel);
  font-size: 14px;
  line-height: 1.45;
}

.section {
  max-width: var(--wide-max);
  margin: 0 auto;
  padding: var(--section-y) var(--page-x);
}

.decision-section + .section {
  padding-top: var(--section-y-tight);
}

#work.section {
  padding-bottom: var(--section-y-tight);
}

.section-heading {
  max-width: 780px;
  margin: 0 auto 30px;
  text-align: center;
}

.section-heading p:not(.eyebrow) {
  color: var(--steel);
  font-size: 17px;
}

.section-heading h2,
.refresh h2,
.story-copy h2,
.site-intake h2,
.about-copy h2 {
  color: var(--navy);
  font-size: 38px;
  line-height: 42px;
}

.promise-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  max-width: var(--content-max);
  margin: 0 auto;
}

.promise-card,
.contact-panel {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
}

.promise-card {
  padding: 24px;
}

.promise-card p {
  font-size: 15px;
}

.promise-card h3,
.contact-panel h3 {
  color: var(--navy);
  font-size: 20px;
  line-height: 24px;
}

.promise-card p,
.refresh-copy p,
.about-copy p,
.footer p {
  color: var(--steel);
}

.refresh {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(340px, 440px);
  gap: 40px;
  align-items: center;
  max-width: var(--wide-max);
  margin: 0 auto;
  padding: var(--section-y-tight) var(--page-x) var(--section-y-compact);
  background: var(--white);
}

.refresh-disclaimer {
  grid-column: 1 / -1;
  margin: 0;
  padding-top: 18px;
  border-top: 1px solid var(--line);
  color: var(--steel);
  font-size: 12px;
}

.refresh-copy {
  max-width: 600px;
  margin: 0 auto;
  text-align: center;
}

.refresh-copy p {
  font-size: 17px;
}

.refresh .refresh-actions {
  justify-content: center;
}

.text-link {
  position: relative;
  padding: 12px 0;
  margin: -12px 0;
  color: var(--blue);
  font-size: 14px;
  font-weight: 800;
  text-decoration: none;
}

.text-link.card-action {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  padding: 14px 0 0;
  margin: 0;
}

.refresh-flow {
  display: grid;
  gap: 14px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #f8fbfd;
}

.flow-step {
  display: grid;
  grid-template-columns: 48px 1fr;
  column-gap: 14px;
  min-height: 100px;
  padding: 18px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 8px;
}

.flow-step span {
  grid-row: span 2;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 46px;
  height: 46px;
  border-radius: 8px;
  color: var(--navy);
  background: #f4e9cc;
  font-weight: 900;
}

.flow-step strong {
  color: var(--navy);
  font-size: 18px;
}

.flow-step p {
  margin: 4px 0 0 0;
  color: var(--steel);
}

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

.refresh + .monitor-example {
  padding-top: 34px;
}

.story-card {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 28px;
  align-items: center;
  max-width: var(--wide-max);
  margin: 0 auto;
  padding: 34px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: #f8fbfd;
  box-shadow: var(--shadow-panel);
}

.story-copy {
  max-width: 780px;
}

.monitor-example .story-card {
  padding: 30px 32px;
}

.story-copy h2 {
  margin-bottom: 14px;
}

.story-copy p:not(.eyebrow) {
  color: var(--steel);
  font-size: 17px;
}

.story-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  justify-content: flex-end;
}

.keep-rate-section {
  background: #f8fbfd;
}

.keep-rate-card {
  grid-template-columns: minmax(0, 1fr);
  gap: 22px;
  align-items: start;
  padding: 32px;
  background: var(--white);
}

.keep-rate-card .story-copy {
  max-width: 980px;
}

.keep-rate-card .story-copy p:not(.eyebrow) + p {
  margin-top: 12px;
}

.keep-rate-card .story-actions {
  justify-content: flex-start;
}

.keep-rate-disclaimer {
  grid-column: 1 / -1;
  margin: 0;
  padding-top: 18px;
  border-top: 1px solid var(--line);
  color: var(--steel);
  font-size: 12px;
  line-height: 1.55;
}

.site-intake {
  padding: var(--section-y) var(--page-x);
  background: #eaf2fa;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}

.start-ladder .section-heading {
  margin-bottom: 26px;
}

.start-ladder .section-heading p:not(.eyebrow) {
  color: var(--steel);
  font-size: 17px;
}

.ladder-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  max-width: var(--wide-max);
  margin: 0 auto;
}

.ladder-card {
  display: flex;
  flex-direction: column;
  min-height: 300px;
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow-card);
}

.ladder-card span {
  display: inline-flex;
  width: fit-content;
  margin-bottom: 18px;
  padding: 7px 11px;
  border-radius: 999px;
  color: var(--blue);
  background: #eaf2fa;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .05em;
  text-transform: uppercase;
}

.ladder-card h3 {
  color: var(--navy);
  font-size: 24px;
  line-height: 28px;
}

.ladder-card p {
  color: var(--steel);
  font-size: 15px;
}

.ladder-card .button {
  width: fit-content;
  margin-top: auto;
}

.loan-options-strip {
  padding: var(--section-y-tight) var(--page-x);
  background: var(--paper);
}

.loan-options-card {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 28px;
  align-items: center;
  max-width: 980px;
  margin: 0 auto;
  padding: 30px 34px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  box-shadow: var(--shadow-card);
}

.loan-options-card h2 {
  margin-top: 6px;
  color: var(--navy);
  font-size: 32px;
  line-height: 38px;
}

.loan-options-card p:not(.eyebrow) {
  max-width: 74ch;
  margin-top: 10px;
  color: var(--steel);
  font-size: 17px;
}

.loan-options-card .button {
  white-space: nowrap;
}

.site-intake h2 {
  margin-top: 8px;
  font-size: 43px;
  line-height: 47px;
}

.site-intake .button {
  padding: 0 20px;
}

.site-intake .button.primary {
  box-shadow: 0 14px 30px rgba(27, 113, 182, 0.24);
}

.about-section {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 390px;
  gap: 30px;
  align-items: start;
  background:
    linear-gradient(90deg, rgba(255,255,255,.76), rgba(255,255,255,.2)),
    #f3f6fa;
}

.about-copy {
  max-width: 860px;
  margin: 0;
  text-align: left;
}

.about-copy > p:not(.eyebrow) {
  max-width: 790px;
  margin-left: 0;
  margin-right: 0;
  font-size: 17px;
}

.about-copy h2 {
  max-width: none;
}

.about-copy .credential-strip {
  max-width: none;
  margin-top: 14px;
  color: #5c6a7c;
  font-size: 14px;
  font-weight: 800;
}

.about-copy p + p {
  margin-top: 16px;
}

.contact-panel {
  padding: 24px;
  box-shadow: var(--shadow-card);
}

.contact-intro {
  margin-bottom: 18px;
  color: var(--steel);
  font-size: 14px;
}

.contact-row {
  display: block;
  padding: 14px 0;
  border-top: 1px solid var(--line);
  text-decoration: none;
}

.contact-row > span {
  display: block;
  color: var(--steel);
  font-size: 12px;
  font-weight: 800;
}

.contact-row strong {
  display: block;
  margin-top: 2px;
  color: var(--navy);
  font-size: 15px;
  overflow-wrap: anywhere;
}

.contact-panel .button {
  margin-top: 18px;
}

.footer {
  padding: 38px 44px 48px;
  background: #e8edf3;
  border-top: 1px solid var(--line);
}

.sticky-leadbar {
  position: sticky;
  bottom: 18px;
  z-index: 30;
  display: flex;
  align-items: center;
  gap: 12px;
  width: min(calc(100vw - 32px), 760px);
  margin: 20px auto 24px;
  padding: 12px;
  border: 1px solid rgba(203, 214, 226, 0.96);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.96);
  box-shadow: 0 18px 45px rgba(17, 25, 54, 0.18);
  transition: opacity 160ms ease, transform 160ms ease, visibility 160ms ease;
}

.sticky-leadbar.is-hidden {
  visibility: hidden;
  opacity: 0;
  pointer-events: none;
  transform: translateY(12px);
}

.sticky-leadbar span {
  flex: 1 1 auto;
  color: var(--navy);
  font-size: 14px;
  font-weight: 900;
}

.sticky-leadbar a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 36px;
  padding: 0 13px;
  border-radius: 8px;
  color: var(--white);
  background: var(--blue);
  font-size: 13px;
  font-weight: 900;
  text-decoration: none;
  white-space: nowrap;
}

.sticky-leadbar a:last-child {
  color: var(--navy);
  background: #edf4fb;
}

.sticky-leadbar a:only-of-type {
  flex: 0 0 auto;
  grid-column: 1 / -1;
  color: var(--white);
  background: var(--blue);
}

.footer-inner {
  max-width: var(--wide-max);
  margin: 0 auto;
}

.footer-top {
  display: grid;
  grid-template-columns: minmax(230px, 330px) minmax(0, 1fr);
  gap: 44px;
  align-items: start;
}

.footer-brand-block {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
}

.footer img {
  display: block;
  width: 230px;
  height: auto;
  margin-bottom: 16px;
}

.footer-brand-block img {
  margin-top: -24px;
  margin-bottom: -4px;
}

.footer p {
  margin-bottom: 12px;
  font-size: 12px;
}

.footer a {
  color: var(--blue);
  font-weight: 700;
  text-decoration: none;
}

.footer-contact {
  max-width: 34ch;
  color: var(--steel);
}

.footer-sitemap {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 24px;
}

.footer-sitemap strong,
.footer-disclosures strong {
  display: block;
  margin-bottom: 10px;
  color: var(--navy);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .05em;
  text-transform: uppercase;
}

.footer-sitemap a {
  display: block;
  margin-bottom: 8px;
  padding: 6px 0;
  color: #253247;
  font-size: 13px;
}

.footer-disclosures {
  margin-top: 28px;
  padding-top: 22px;
  border-top: 1px solid var(--line-strong);
}

.footer-disclosures p {
  max-width: 1050px;
  color: var(--steel);
  line-height: 1.55;
}

.footer-disclosures p:last-child {
  margin-bottom: 0;
}

.learn-hero {
  max-width: var(--wide-max);
  margin: 0 auto;
  padding: 76px 44px 44px;
  color: var(--white);
  text-align: center;
  background:
    linear-gradient(120deg, rgba(17, 25, 54, 0.96), rgba(17, 25, 54, 0.78)),
    radial-gradient(circle at 78% 20%, rgba(27, 113, 182, 0.34), transparent 32%),
    var(--navy);
}

.learn-hero h1 {
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
}

.learn-hero p:not(.kicker) {
  max-width: 720px;
  margin-left: auto;
  margin-right: auto;
  color: #edf4fb;
  font-size: 18px;
}

.learn-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
  max-width: var(--wide-max);
  margin: 0 auto;
  padding: 34px 44px 74px;
}

@media (min-width: 981px) {
  .learn-grid[aria-label="Mortgage calculator cards"] {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .learn-card.accent h2 {
    font-size: 20px;
    line-height: 25px;
  }
}

.learn-card {
  display: flex;
  flex-direction: column;
  min-height: 315px;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.learn-card .card-action {
  align-self: flex-start;
  margin-top: auto;
}

.learn-card h2 {
  color: var(--navy);
  font-size: 25px;
  line-height: 29px;
}

.learn-card .lede {
  color: #293344;
  font-weight: 700;
}

.learn-card dl {
  margin: 18px 0 0;
}

.learn-card dt {
  margin-top: 14px;
  color: var(--blue);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .04em;
  text-transform: uppercase;
}

.learn-card dd {
  margin: 4px 0 0;
  color: var(--steel);
  font-size: 14px;
}

.learn-card.accent {
  justify-content: center;
  align-items: center;
  color: var(--white);
  background: var(--navy);
  text-align: center;
}

.learn-card.accent h2,
.learn-card.accent .lede {
  color: var(--white);
}

.learn-card.accent .button {
  align-self: center;
  margin-top: 16px;
}

.guide-framework {
  max-width: var(--wide-max);
  margin: 0 auto;
  padding: 0 44px 76px;
}

.guide-framework-copy {
  max-width: 820px;
  margin: 0 auto 28px;
  text-align: center;
}

.guide-framework-copy h2,
.guide-panel-copy h2,
.scenario-brief h2 {
  color: var(--navy);
  font-size: 38px;
  line-height: 42px;
}

.guide-framework-copy p:not(.eyebrow),
.guide-panel-copy p,
.scenario-brief p {
  color: var(--steel);
  font-size: 17px;
}

.framework-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.framework-grid article {
  min-height: 205px;
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: linear-gradient(180deg, #fff 0%, #f8fbfe 100%);
  box-shadow: var(--shadow-card);
}

.framework-grid span {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  margin-bottom: 16px;
  border-radius: 8px;
  color: var(--blue);
  background: #eaf2fa;
  font-size: 12px;
  font-weight: 900;
}

.framework-grid strong {
  display: block;
  color: var(--navy);
  font-size: 18px;
}

.framework-grid p {
  margin-top: 8px;
  color: var(--steel);
  font-size: 14px;
}

.deep-guide {
  display: grid;
  gap: 28px;
  max-width: var(--wide-max);
  margin: 0 auto;
  padding: 0 44px 76px;
}

.guide-panel {
  display: grid;
  grid-template-columns: minmax(280px, 0.72fr) minmax(0, 1.28fr);
  gap: 28px;
  align-items: start;
  padding: 32px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  box-shadow: var(--shadow-panel);
}

.guide-panel-copy {
  position: sticky;
  top: 98px;
}

.guide-panel-copy h2 {
  margin-bottom: 14px;
}

.guide-panel-copy p + p {
  margin-top: 14px;
}

.guide-checklists {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}

.guide-checklists section {
  min-height: 260px;
  padding: 20px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f8fbfd;
}

.guide-checklists h3 {
  margin-bottom: 12px;
  color: var(--navy);
  font-size: 18px;
  line-height: 22px;
}

.guide-checklists ul,
.brief-card ul {
  display: grid;
  gap: 10px;
  margin: 0;
  padding-left: 18px;
  color: var(--steel);
  font-size: 14px;
}

.guide-checklists li::marker,
.brief-card li::marker {
  color: var(--blue);
}

.scenario-brief {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(340px, 440px);
  gap: 28px;
  align-items: center;
  max-width: var(--wide-max);
  margin: 0 auto 74px;
  padding: 32px 44px;
  border-radius: 20px;
  color: var(--white);
  background: var(--navy);
  box-shadow: var(--shadow-panel);
}

.scenario-brief h2 {
  color: var(--white);
}

.scenario-brief p {
  max-width: 72ch;
  color: #dbe8f5;
}

.brief-card {
  padding: 24px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
}

.brief-card strong {
  display: block;
  margin-bottom: 14px;
  color: var(--white);
  font-size: 18px;
}

.brief-card ul {
  color: #dbe8f5;
}

.brief-card .button {
  margin-top: 18px;
  box-shadow: 0 14px 30px rgba(27, 113, 182, 0.24);
}

.learn-cta {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 24px;
  align-items: center;
  max-width: var(--wide-max);
  margin: 0 auto 74px;
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
}

.learn-cta h2 {
  color: var(--navy);
  font-size: 34px;
  line-height: 38px;
}

.learn-cta p:not(.eyebrow) {
  max-width: 62ch;
  color: var(--steel);
}

.legal-page {
  max-width: 900px;
  margin: 0 auto;
  padding: 62px 24px 76px;
}

.schedule-page {
  max-width: 1040px;
  margin: 0 auto;
  padding: 44px 24px 64px;
}

.schedule-page h1 {
  color: var(--navy);
}

.schedule-page .schedule-intro {
  max-width: 720px;
  color: var(--steel);
  font-size: 18px;
}

.schedule-embed {
  display: block;
  width: 100%;
  min-height: 760px;
  margin-top: 26px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  box-shadow: var(--shadow-panel);
}

.schedule-fallback {
  margin: 14px 0 0;
  color: var(--steel);
  font-size: 13px;
}

.schedule-fallback a {
  color: var(--blue);
  font-weight: 700;
}

.legal-page h1 {
  max-width: none;
  color: var(--navy);
}

.legal-page .hero-actions {
  margin-top: 22px;
}

.legal-page .hero-actions + p {
  margin-top: 18px;
}

.legal-page .updated {
  color: var(--steel);
  font-size: 13px;
  font-weight: 800;
}

.legal-page section {
  margin-top: 26px;
  padding-top: 22px;
  border-top: 1px solid var(--line);
}

.legal-page h2 {
  color: var(--navy);
  font-size: 24px;
  line-height: 28px;
}

.legal-page p {
  color: var(--steel);
}

.consult-shell {
  max-width: 1040px;
  margin: 0 auto;
  padding: 58px 24px 12px;
}

.consult-intro {
  max-width: 760px;
  margin-bottom: 26px;
}

.consult-intro h1 {
  color: var(--navy);
  font-size: 46px;
  line-height: 50px;
}

.consult-intro p:not(.kicker):not(.eyebrow) {
  color: var(--steel);
  font-size: 18px;
}

.consult-card {
  display: grid;
  grid-template-columns: 380px minmax(0, 1fr);
  gap: 28px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  box-shadow: var(--shadow-panel);
}

.enhanced-form-card {
  align-items: stretch;
}

.form-support-panel {
  display: flex;
  flex-direction: column;
  overflow: hidden;
  border-radius: 8px;
  color: var(--white);
  background: var(--navy);
}

.form-support-panel.compact {
  padding: 28px;
}

.form-support-panel img {
  display: block;
  width: 100%;
  height: 220px;
  object-fit: cover;
}

.form-support-copy {
  padding: 24px 26px 26px;
}

.form-support-panel h2 {
  margin-bottom: 12px;
  color: var(--white);
  font-size: 31px;
  line-height: 35px;
}

.form-support-panel p {
  color: #e2edf7;
}

.clean-list {
  display: grid;
  gap: 10px;
  margin: 20px 0 0;
  padding: 0;
  list-style: none;
}

.clean-list li {
  position: relative;
  padding-left: 22px;
  color: #edf4fb;
  font-size: 13px;
  font-weight: 800;
}

.clean-list li::before {
  content: "";
  position: absolute;
  top: 7px;
  left: 0;
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: #88c0ea;
}

.consult-card h2 {
  margin-bottom: 12px;
  color: var(--navy);
  font-size: 30px;
  line-height: 34px;
}

.consult-card p {
  color: var(--steel);
}

.consult-card .form-support-panel .eyebrow {
  color: #9cc8ef;
}

.consult-card .form-support-panel h2 {
  color: var(--white);
}

.consult-card .form-support-panel p {
  color: #dbeafe;
}

.consult-card .form-support-copy > p:not(.eyebrow) {
  margin-top: 8px;
}

.review-page {
  max-width: 1120px;
  margin: 0 auto;
  padding: 44px 24px 76px;
}

.review-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 390px;
  gap: 48px;
  align-items: center;
  margin-bottom: 26px;
  padding: 54px 48px;
  color: var(--white);
  background: var(--navy);
  border-radius: 20px;
}

.review-hero-copy {
  max-width: 680px;
}

.review-hero h1 {
  margin-bottom: 18px;
  font-size: 54px;
  line-height: 58px;
}

.review-hero-copy p:not(.kicker):not(.eyebrow) {
  max-width: 640px;
  color: #edf4fb;
  font-size: 18px;
}

.review-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}

.review-snapshot-panel {
  display: grid;
  gap: 18px;
  padding: 28px;
  color: var(--white);
  background: rgba(255, 255, 255, 0.075);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 8px;
}

.review-snapshot-panel .eyebrow {
  margin-bottom: 0;
}

.review-snapshot-list {
  display: grid;
  gap: 18px;
}

.review-snapshot-list article {
  display: grid;
  grid-template-columns: 1fr;
  gap: 14px;
  padding-bottom: 18px;
  border-bottom: 1px solid rgba(255, 255, 255, 0.16);
}

.review-snapshot-list article:last-child {
  padding-bottom: 0;
  border-bottom: 0;
}

.review-snapshot-list strong {
  display: block;
  margin-bottom: 5px;
  font-size: 15px;
  line-height: 1.25;
}

.review-snapshot-list p {
  margin: 0;
  color: #d9e6f2;
  font-size: 13px;
  line-height: 1.55;
}

.review-quiet-note {
  display: grid;
  gap: 5px;
  padding: 16px;
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.1);
}

.review-quiet-note strong {
  font-size: 14px;
}

.review-quiet-note span {
  color: #d9e6f2;
  font-size: 13px;
  line-height: 1.45;
}

.review-grid,
.review-card {
  display: grid;
  grid-template-columns: 330px minmax(0, 1fr);
  gap: 28px;
  margin-bottom: 26px;
  padding: 30px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
}

.review-grid h2,
.review-card h2 {
  margin-bottom: 0;
  color: var(--navy);
  font-size: 32px;
  line-height: 36px;
}

.watch-list {
  display: grid;
  gap: 14px;
}

.watch-explainer {
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f8fbfd;
}

.watch-explainer p {
  margin: 0;
  color: var(--steel);
  font-size: 17px;
}

.watch-explainer p + p {
  margin-top: 12px;
}

.watch-list p,
.review-card p,
.review-disclosure p {
  color: var(--steel);
}

.review-card .form-support-panel h2 {
  margin-bottom: 16px;
  color: var(--white);
  font-size: 28px;
  line-height: 33px;
}

.review-card .form-support-panel p {
  color: #e2edf7;
}

.review-disclosure {
  padding: 18px 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #eef3f8;
}

.review-disclosure p {
  margin-bottom: 10px;
  font-size: 12px;
}

.review-disclosure p:first-child {
  color: var(--navy);
  font-size: 14px;
  font-weight: 900;
}

.review-disclosure p:last-child {
  margin-bottom: 0;
}

.route-note {
  max-width: var(--wide-max);
  margin: 18px auto 0;
  padding: 18px 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.route-note p {
  margin: 0;
  color: var(--steel);
  font-size: 14px;
  font-weight: 800;
}

.calculator-page {
  max-width: 1180px;
  margin: 0 auto;
  padding: 44px 24px 76px;
}

.calculator-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 310px;
  gap: 28px;
  align-items: end;
  margin-bottom: 26px;
  padding: 38px;
  border-radius: 20px;
  color: var(--white);
  background: var(--navy);
}

.calculator-hero h1 {
  margin-bottom: 16px;
  font-size: 50px;
  line-height: 54px;
}

.calculator-hero p:not(.eyebrow) {
  max-width: 760px;
  color: #e8f1fa;
  font-size: 18px;
}

.calculator-hero aside {
  align-self: center;
  padding: 20px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 8px;
  background: rgba(255, 255, 255, 0.08);
}

.calculator-hero aside strong {
  display: block;
  margin-bottom: 8px;
  color: var(--white);
  font-size: 18px;
}

.calculator-hero aside p {
  color: #dbe8f5;
  font-size: 13px;
}

.calculator-shell {
  display: grid;
  grid-template-columns: minmax(0, 1fr) 370px;
  gap: 24px;
  align-items: start;
  margin-bottom: 26px;
}

.calculator-inputs {
  display: grid;
  gap: 18px;
}

.calculator-card,
.result-card {
  padding: 24px;
  border: 1px solid var(--line);
  background: var(--white);
}

.calculator-card {
  border-radius: 20px;
  box-shadow: var(--shadow-card);
}

.result-card {
  border-radius: 8px;
}

.calculator-card h2,
.result-card h2,
.calculator-notes h2,
.calculator-cta h2 {
  margin-bottom: 14px;
  color: var(--navy);
  font-size: 28px;
  line-height: 32px;
}

.calculator-helper {
  max-width: 68ch;
  margin: -4px 0 16px;
  color: var(--steel);
  font-size: 13px;
  font-weight: 700;
}

.calculator-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  align-items: start;
  gap: 14px;
}

.calculator-grid .wide {
  grid-column: 1 / -1;
}

.calculator-grid label {
  align-self: start;
  align-content: start;
}

.calculator-page input,
.calculator-page select {
  width: 100%;
  height: 44px;
  min-height: 44px;
  padding: 10px 12px;
  border: 1px solid var(--line-strong);
  border-radius: 8px;
  color: var(--navy);
  background: #fbfdff;
  font: inherit;
}

.calculator-page label small {
  color: var(--steel);
  font-size: 12px;
  font-weight: 700;
}

.calculator-results {
  position: sticky;
  top: 94px;
  display: grid;
  gap: 16px;
}

.result-card.favored {
  border-color: rgba(47, 125, 92, 0.6);
  background: linear-gradient(180deg, #ffffff 0%, #f1fbf6 100%);
}

.result-card strong {
  display: block;
  margin-bottom: 6px;
  color: var(--navy);
  font-size: 36px;
  line-height: 38px;
}

.result-card > span {
  display: block;
  margin-bottom: 16px;
  color: var(--steel);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: .05em;
  text-transform: uppercase;
}

.result-card dl {
  display: grid;
  gap: 8px;
  margin: 0;
}

.result-card dl div {
  display: flex;
  justify-content: space-between;
  gap: 14px;
  padding-top: 8px;
  border-top: 1px solid #e4ebf3;
}

.result-card dt {
  color: var(--steel);
  font-size: 13px;
  font-weight: 800;
}

.result-card dd {
  margin: 0;
  color: var(--navy);
  font-size: 13px;
  font-weight: 900;
  text-align: right;
}

.calculator-verdict {
  padding: 20px;
  border-radius: 8px;
  color: var(--white);
  background: var(--navy);
  font-size: 15px;
  font-weight: 800;
}

.calculator-notes {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
  margin-bottom: 26px;
}

.calculator-notes article {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.calculator-notes p,
.calculator-cta p {
  color: var(--steel);
}

.calculator-cta {
  display: grid;
  grid-template-columns: minmax(0, 1fr) auto;
  gap: 24px;
  align-items: center;
  margin-bottom: 26px;
  padding: 28px;
  border: 1px solid var(--line);
  border-radius: 20px;
  background: var(--white);
  box-shadow: var(--shadow-panel);
}

.calculator-cta .hero-actions {
  justify-content: flex-end;
  max-width: 440px;
}

form {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 14px;
}

.lead-form {
  align-content: start;
  padding: 14px;
  border-radius: 8px;
  background: #fbfdff;
}

label {
  display: grid;
  gap: 7px;
  color: var(--steel);
  font-size: 13px;
  font-weight: 800;
}

input,
select,
textarea {
  width: 100%;
  min-height: 44px;
  padding: 11px 12px;
  border: 1px solid var(--line-strong);
  border-radius: 8px;
  color: var(--navy);
  background: var(--white);
  font: inherit;
  font-size: 14px;
  outline: none;
  transition: border-color 140ms ease, box-shadow 140ms ease, background 140ms ease;
}

textarea {
  resize: vertical;
  min-height: 122px;
}

input:focus,
select:focus,
textarea:focus {
  border-color: var(--blue);
  background: #ffffff;
  box-shadow: 0 0 0 3px rgba(27, 113, 182, 0.4);
}

input[type="checkbox"] {
  width: 18px;
  min-height: 18px;
  height: 18px;
  margin: 2px 0 0;
  padding: 0;
  accent-color: var(--blue);
}

.consent {
  grid-template-columns: 20px minmax(0, 1fr);
  gap: 10px;
  align-items: start;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: #f4f8fc;
}

.consent span {
  color: #344254;
  font-size: 12px;
  line-height: 1.45;
}

label.wide,
.consent,
form .button,
.privacy-note,
.form-status {
  grid-column: 1 / -1;
}

.privacy-note {
  margin: 0;
  color: var(--steel);
  font-size: 12px;
  font-weight: 700;
}
.form-status {
  min-height: 18px;
  margin: 0;
  color: var(--green);
  font-size: 13px;
  font-weight: 800;
}

.skip-link { position: absolute; left: -9999px; top: 0; z-index: 100; padding: 10px 16px; background: var(--navy); color: var(--white); font-weight: 800; text-decoration: none; }
.skip-link:focus { left: 12px; top: 12px; }

.hero .kicker,
.review-hero .kicker, .review-hero .eyebrow,
.learn-hero .kicker,
.calculator-hero .eyebrow,
.form-support-panel .eyebrow,
.review-snapshot-panel .eyebrow,
.scenario-brief .eyebrow { color: #88c0ea; }

.calculator-hero .text-link, .learn-hero .text-link { color: #88c0ea; }

@media (min-width: 721px) {
  .nav-check { display: none; }
  .sent { display: block; }
}
.nav-check:focus-visible + .menu-toggle { outline: 3px solid rgba(27, 113, 182, 0.55); outline-offset: 2px; }

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

.footer .footer-ehl { width: 46px; height: auto; margin: 0 0 10px; }

.consult-flow { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; max-width: var(--content-max); margin: 26px auto 0; }

.faq-section { max-width: var(--wide-max); margin: 0 auto; padding: 0 44px 76px; }
.faq-heading { max-width: 820px; margin: 0 auto 24px; text-align: center; }
.faq-heading h2 { color: var(--navy); font-size: 38px; line-height: 42px; }
.faq-heading p:not(.eyebrow) { color: var(--steel); font-size: 17px; }
.faq-list { display: grid; gap: 12px; max-width: 900px; margin: 0 auto; }
.faq-list details { padding: 4px 20px; border: 1px solid var(--line); border-radius: 8px; background: var(--white); }
.faq-list summary { padding: 14px 0; color: var(--navy); font-family: Georgia, "Times New Roman", serif; font-size: 19px; font-weight: 700; cursor: pointer; }
.faq-list summary:hover { color: var(--blue); }
.faq-list details[open] summary { border-bottom: 1px solid var(--line); }
.faq-list details p { margin: 12px 0 16px; color: var(--steel); font-size: 15px; line-height: 1.6; }
.faq-list details a { color: var(--blue); font-weight: 700; }

@media (max-width: 980px) {
  .site-header {
    align-items: flex-start;
    flex-wrap: wrap;
  }

  .nav {
    order: 3;
    width: 100%;
    margin-left: 0;
  }

  .hero {
    grid-template-columns: minmax(300px, 620px) minmax(220px, 330px);
    gap: 40px;
  }

  .hero h1 {
    font-size: 40px;
    line-height: 45px;
  }

  .hero-portrait {
    width: 100%;
    max-width: 330px;
    align-self: center;
  }

  h1 {
    font-size: 48px;
    line-height: 52px;
  }

  .refresh,
  .story-card,
  .loan-options-card,
  .decision-section,
  .about-section,
  .footer-top,
  .learn-cta,
  .calculator-hero,
  .calculator-shell,
  .calculator-cta {
    grid-template-columns: 1fr;
  }

  .ladder-grid,
  .decision-grid,
  .learn-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .decision-section {
    padding-top: 42px;
  }

  .decision-visual,
  .decision-visual img {
    min-height: 320px;
  }

  .guide-panel,
  .scenario-brief {
    grid-template-columns: 1fr;
  }

  .guide-panel-copy {
    position: static;
  }

  .framework-grid,
  .guide-checklists,
  .calculator-notes {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .calculator-results {
    position: static;
  }

  .story-actions {
    justify-content: flex-start;
  }

  .review-hero,
  .review-grid,
  .review-card,
  .consult-card,
  .consult-flow,
  .promise-grid {
    grid-template-columns: 1fr;
  }

  .review-hero h1 {
    font-size: 44px;
    line-height: 48px;
  }

  .calculator-notes article:last-child {
    grid-column: 1 / -1;
  }

  .guide-checklists section:last-child:nth-child(odd) {
    grid-column: 1 / -1;
  }

  .ladder-grid .ladder-card:last-child {
    grid-column: 1 / -1;
  }

  .calculator-cta .hero-actions {
    justify-content: flex-start;
    max-width: none;
  }

  .learn-card {
    min-height: 0;
  }

  .footer-sitemap {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (max-width: 720px) {
  html {
    scroll-padding-top: 88px;
  }

  .site-header,
  .section,
  .decision-section,
  .refresh,
  .site-intake,
  .loan-options-strip,
  .footer,
  .learn-hero,
  .learn-grid,
  .learn-cta,
  .guide-framework,
  .deep-guide,
  .scenario-brief,
  .calculator-page {
    padding-left: 20px;
    padding-right: 20px;
  }

  .site-header {
    display: grid;
    grid-template-columns: minmax(0, 1fr) auto;
    gap: 12px;
    align-items: center;
    min-height: auto;
    padding-top: 12px;
    padding-bottom: 12px;
  }

  .brand {
    grid-column: 1;
    min-width: 0;
    gap: 10px;
  }

  .brand-logo {
    width: 96px;
    padding-right: 10px;
  }

  .brand-name {
    font-size: 22px;
    line-height: 23px;
  }


  .menu-toggle {
    grid-column: 2;
    display: inline-flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    gap: 4px;
    width: 44px;
    height: 44px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: #fbfdff;
    box-shadow: 0 8px 22px rgba(17, 25, 54, 0.08);
    cursor: pointer;
  }

  .menu-toggle span {
    display: block;
    width: 18px;
    height: 2px;
    border-radius: 999px;
    background: var(--navy);
    transition: transform 160ms ease, opacity 160ms ease;
  }

  .nav-check:checked + .menu-toggle span:nth-child(1) {
    transform: translateY(6px) rotate(45deg);
  }

  .nav-check:checked + .menu-toggle span:nth-child(2) {
    opacity: 0;
  }

  .nav-check:checked + .menu-toggle span:nth-child(3) {
    transform: translateY(-6px) rotate(-45deg);
  }

  .apply-link {
    display: none;
  }

  .nav {
    grid-column: 1 / -1;
    display: none;
    width: 100%;
    margin: 0;
    padding: 8px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: var(--white);
    box-shadow: 0 18px 38px rgba(17, 25, 54, 0.12);
    color: var(--navy);
  }

  .nav-check:checked ~ .nav {
    display: grid;
    grid-template-columns: 1fr;
    gap: 0;
  }

  .nav a {
    display: block;
    padding: 12px 10px;
    border-bottom: 1px solid #edf1f6;
  }

  .nav a:last-child {
    border-bottom: 0;
  }

  .nav-check:checked ~ .apply-link {
    display: inline-flex;
    grid-column: 1 / -1;
    width: 100%;
    margin-top: -4px;
  }

  .hero {
    display: block;
    min-height: 0;
    padding: 44px 20px 0;
  }

  .hero-portrait {
    z-index: 2;
    display: block;
    margin: 0 auto;
    width: min(64vw, 250px);
    border-radius: 20px;
    box-shadow: 0 18px 40px rgba(9, 14, 34, 0.45);
  }

  .hero-content {
    width: auto;
    max-width: none;
    padding: 26px 0 50px;
  }

  .section,
  .refresh,
  .site-intake {
    padding-top: 48px;
    padding-bottom: 48px;
  }

  h1 {
    font-size: 39px;
    line-height: 43px;
  }

  .hero-copy {
    font-size: 17px;
  }

  .section-heading h2,
  .refresh h2,
  .story-copy h2,
  .site-intake h2,
  .about-copy h2 {
    font-size: 30px;
    line-height: 34px;
  }

  .promise-grid,
  .ladder-grid,
  .decision-grid,
  .learn-grid,
  .footer-sitemap {
    grid-template-columns: 1fr;
  }

  .decision-section {
    gap: 18px;
    padding-top: 28px;
    padding-bottom: 32px;
  }

  .decision-section + .section {
    padding-top: 42px;
  }

  #work.section {
    padding-bottom: 36px;
  }

  .decision-copy,
  .form-support-copy {
    padding: 22px;
  }

  .decision-copy h2 {
    font-size: 30px;
    line-height: 34px;
  }

  .decision-visual,
  .decision-visual img {
    min-height: 260px;
  }

  .story-card,
  .loan-options-card,
  .ladder-card {
    padding: 22px;
  }

  .story-actions .button,
  .loan-options-card .button,
  .ladder-card .button {
    width: 100%;
  }

  .framework-grid,
  .guide-checklists {
    grid-template-columns: 1fr;
  }

  .guide-framework {
    padding-bottom: 48px;
  }

  .deep-guide {
    padding-bottom: 48px;
  }

  .guide-panel {
    gap: 22px;
    padding: 22px;
  }

  .guide-framework-copy h2,
  .guide-panel-copy h2,
  .scenario-brief h2 {
    font-size: 30px;
    line-height: 34px;
  }

  .framework-grid article,
  .guide-checklists section {
    min-height: auto;
  }

  .scenario-brief {
    margin-bottom: 58px;
    padding-top: 26px;
    padding-bottom: 26px;
  }

  .review-hero,
  .review-grid,
  .review-card,
  .consult-card,
  .learn-cta,
  .calculator-grid,
  .calculator-notes,
  .calculator-cta,
  form {
    grid-template-columns: 1fr;
  }

  .calculator-hero {
    padding: 26px;
  }

  .calculator-hero h1 {
    font-size: 38px;
    line-height: 42px;
  }

  .calculator-card,
  .result-card {
    padding: 20px;
  }

  .result-card strong {
    font-size: 30px;
    line-height: 34px;
  }

  .learn-cta {
    margin-left: 20px;
    margin-right: 20px;
  }

  .review-page {
    padding: 24px 16px 58px;
  }

  .review-hero {
    min-height: auto;
    padding: 26px;
  }

  .review-actions .button {
    width: 100%;
  }

  .review-snapshot-panel {
    padding: 22px;
  }

  .review-hero h1 {
    font-size: 36px;
    line-height: 40px;
  }

  .sticky-leadbar {
    display: grid;
    grid-template-columns: 1fr 1fr;
    bottom: 10px;
    width: min(calc(100vw - 20px), 520px);
  }

  .sticky-leadbar span {
    grid-column: 1 / -1;
    text-align: center;
  }

  .faq-section { padding-left: 20px; padding-right: 20px; }
  .faq-heading h2 { font-size: 30px; line-height: 34px; }
  .consult-flow { grid-template-columns: 1fr; }
  .consult-intro h1 { font-size: 36px; line-height: 40px; }
  .calculator-cta .hero-actions .button { width: 100%; }
  .legal-page .hero-actions .button { width: 100%; }
  .review-card .form-support-panel h2 { font-size: 24px; line-height: 29px; }
  .sticky-leadbar a { min-height: 44px; }
  .hero h1 { font-size: 39px; line-height: 43px; }
}