/* ─────────────────────────────────────────────────────────────
   The Mortgage Way — global styles
   Brand: walnut/copper + black & white
   ───────────────────────────────────────────────────────────── */

:root {
  --walnut: #B89178;
  --walnut-dark: #8E6A52;
  --walnut-light: #E8D9CC;
  --ink: #14181C;
  --ink-soft: #2D343A;
  --body: #4A4F55;
  --muted: #8A8F95;
  --cream: #FAF7F2;
  --line: #E8E2DA;
  --white: #FFFFFF;
  --shadow-sm: 0 1px 2px rgba(20, 24, 28, 0.04);
  --shadow-md: 0 8px 24px rgba(20, 24, 28, 0.08);
  --shadow-lg: 0 24px 60px rgba(20, 24, 28, 0.12);
  --radius: 12px;
  --radius-lg: 20px;
  --maxw: 1200px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  color: var(--body);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

h1, h2, h3, h4 {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 500;
  color: var(--ink);
  line-height: 1.15;
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(2.4rem, 5.5vw, 4.2rem); font-weight: 400; }
h2 { font-size: clamp(1.9rem, 3.5vw, 2.8rem); }
h3 { font-size: clamp(1.2rem, 2vw, 1.4rem); }

p { margin-bottom: 1rem; }
a { color: var(--ink); text-decoration: none; transition: color 0.2s ease; }
a:hover { color: var(--walnut-dark); }

img, svg { max-width: 100%; display: block; }

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

/* ───── Buttons ───── */

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 14px 28px;
  border-radius: 999px;
  font-weight: 500;
  font-size: 15px;
  letter-spacing: 0.01em;
  cursor: pointer;
  border: 1.5px solid transparent;
  transition: all 0.2s ease;
  white-space: nowrap;
}

.btn-primary {
  background: var(--ink);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--walnut-dark);
  color: var(--white);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

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

.btn-ghost {
  background: transparent;
  color: var(--ink);
  padding: 8px 0;
}
.btn-ghost:hover {
  color: var(--walnut-dark);
}

.btn-walnut {
  background: var(--walnut);
  color: var(--white);
}
.btn-walnut:hover {
  background: var(--walnut-dark);
  color: var(--white);
  transform: translateY(-1px);
}

/* ───── Navigation ───── */

.nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border-bottom: 1px solid var(--line);
}

.nav-inner {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 18px 24px;
  display: flex;
  align-items: center;
  justify-content: space-between;
}

.nav-logo {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 500;
  color: var(--ink);
  letter-spacing: -0.01em;
}
.nav-logo span { color: var(--walnut); }

.nav-links {
  display: flex;
  gap: 36px;
  list-style: none;
  align-items: center;
}
.nav-links a {
  color: var(--ink-soft);
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.01em;
}
.nav-links a:hover { color: var(--walnut); }

.nav-cta {
  display: flex;
  gap: 12px;
  align-items: center;
}

.nav-mobile-toggle {
  display: none;
  background: none;
  border: none;
  cursor: pointer;
  font-size: 22px;
  color: var(--ink);
}

@media (max-width: 900px) {
  .nav-links { display: none; }
  .nav-cta .btn-secondary { display: none; }
}

/* ───── Hero ───── */

.hero {
  padding: 80px 0 100px;
  background: linear-gradient(180deg, var(--cream) 0%, var(--white) 100%);
  overflow: hidden;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 1fr;
  gap: 80px;
  align-items: center;
}

.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  background: var(--walnut-light);
  color: var(--walnut-dark);
  border-radius: 999px;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.02em;
  margin-bottom: 24px;
}
.hero-eyebrow::before {
  content: '';
  width: 6px;
  height: 6px;
  background: var(--walnut);
  border-radius: 50%;
}

.hero h1 {
  margin-bottom: 24px;
}
.hero h1 em {
  font-style: italic;
  color: var(--walnut);
  font-weight: 300;
}

.hero-sub {
  font-size: 19px;
  color: var(--body);
  margin-bottom: 36px;
  max-width: 540px;
  line-height: 1.55;
}

.hero-ctas {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.hero-photo {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  aspect-ratio: 4 / 5;
  background: var(--walnut-light);
  box-shadow: var(--shadow-lg);
}
.hero-photo img {
  width: 100%;
  height: 100%;
  object-fit: cover;
}
.hero-photo-placeholder {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  width: 100%;
  height: 100%;
  background: linear-gradient(135deg, var(--walnut-light) 0%, var(--cream) 100%);
  color: var(--walnut-dark);
  text-align: center;
  padding: 40px;
}
.hero-photo-placeholder svg { width: 80px; height: 80px; margin-bottom: 16px; opacity: 0.5; }
.hero-photo-placeholder p { font-size: 14px; color: var(--walnut-dark); font-weight: 500; }

@media (max-width: 900px) {
  .hero { padding: 48px 0 64px; }
  .hero-grid { grid-template-columns: 1fr; gap: 48px; }
  .hero-photo { max-width: 420px; margin: 0 auto; }
}

/* ───── Trust bar ───── */

.trust-bar {
  background: var(--ink);
  color: var(--white);
  padding: 20px 0;
}
.trust-bar-inner {
  max-width: var(--maxw);
  margin: 0 auto;
  padding: 0 24px;
  display: flex;
  justify-content: center;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
  font-size: 13px;
  color: rgba(255, 255, 255, 0.85);
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.trust-bar-item {
  display: flex;
  align-items: center;
  gap: 8px;
}
.trust-bar-item::before {
  content: '';
  width: 4px;
  height: 4px;
  background: var(--walnut);
  border-radius: 50%;
}

/* ───── Sections ───── */

section { padding: 100px 0; }

.section-header {
  text-align: center;
  max-width: 720px;
  margin: 0 auto 64px;
}
.section-header .eyebrow {
  display: inline-block;
  color: var(--walnut-dark);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.section-header h2 { margin-bottom: 16px; }
.section-header p {
  font-size: 18px;
  color: var(--muted);
  line-height: 1.55;
}

@media (max-width: 720px) {
  section { padding: 64px 0; }
}

/* ───── The Way ───── */

.way {
  background: var(--cream);
}
.way-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.way h2 { margin-bottom: 24px; }
.way h2 em { font-style: italic; color: var(--walnut); }
.way p { font-size: 18px; line-height: 1.65; margin-bottom: 16px; }
.way-photo {
  aspect-ratio: 1 / 1;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--walnut) 0%, var(--walnut-dark) 100%);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--white);
  font-family: 'Fraunces', serif;
  font-size: 80px;
  font-style: italic;
  font-weight: 300;
  box-shadow: var(--shadow-lg);
}
@media (max-width: 900px) {
  .way-grid { grid-template-columns: 1fr; gap: 48px; }
  .way-photo { aspect-ratio: 16 / 9; font-size: 60px; }
}

/* ───── Who I help ───── */

.audiences {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.audience-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 36px 28px;
  transition: all 0.25s ease;
  position: relative;
  overflow: hidden;
}
.audience-card:hover {
  border-color: var(--walnut);
  transform: translateY(-4px);
  box-shadow: var(--shadow-md);
}
.audience-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  background: var(--walnut-light);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 20px;
  color: var(--walnut-dark);
}
.audience-card h3 { margin-bottom: 10px; font-size: 18px; }
.audience-card p { font-size: 15px; color: var(--body); margin-bottom: 20px; line-height: 1.55; }
.audience-card a {
  font-size: 14px;
  font-weight: 600;
  color: var(--walnut-dark);
  display: inline-flex;
  align-items: center;
  gap: 6px;
}
.audience-card a:hover { color: var(--ink); gap: 10px; }

@media (max-width: 900px) {
  .audiences { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 540px) {
  .audiences { grid-template-columns: 1fr; }
}

/* ───── How it works ───── */

.how {
  background: var(--ink);
  color: var(--white);
}
.how .section-header h2 { color: var(--white); }
.how .section-header p { color: rgba(255, 255, 255, 0.65); }
.how .section-header .eyebrow { color: var(--walnut); }

.steps {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 40px;
  margin-top: 40px;
}
.step {
  position: relative;
  padding-top: 8px;
}
.step-num {
  font-family: 'Fraunces', serif;
  font-size: 64px;
  font-weight: 300;
  color: var(--walnut);
  line-height: 1;
  margin-bottom: 20px;
  font-style: italic;
}
.step h3 { color: var(--white); margin-bottom: 12px; }
.step p { color: rgba(255, 255, 255, 0.7); font-size: 16px; line-height: 1.6; }

@media (max-width: 720px) {
  .steps { grid-template-columns: 1fr; gap: 40px; }
}

/* ───── Calculator teaser ───── */

.calc-section {
  background: var(--cream);
}
.calc-wrapper {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 64px;
  align-items: center;
}
.calc-wrapper h2 { margin-bottom: 16px; }
.calc-wrapper > div:first-child p { font-size: 18px; color: var(--body); margin-bottom: 24px; line-height: 1.6; }

.calc-card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-md);
  border: 1px solid var(--line);
}
.calc-row {
  margin-bottom: 20px;
}
.calc-row label {
  display: flex;
  justify-content: space-between;
  font-size: 14px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 8px;
}
.calc-row label span { color: var(--walnut-dark); font-weight: 500; }
.calc-row input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 6px;
  background: var(--line);
  border-radius: 3px;
  outline: none;
}
.calc-row input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--walnut);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: var(--shadow-sm);
}
.calc-row input[type="range"]::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--walnut);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid var(--white);
}
.calc-result {
  background: var(--ink);
  color: var(--white);
  padding: 24px;
  border-radius: var(--radius);
  margin-top: 24px;
  text-align: center;
}
.calc-result-label {
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.6);
  margin-bottom: 8px;
}
.calc-result-value {
  font-family: 'Fraunces', serif;
  font-size: 44px;
  font-weight: 400;
  color: var(--white);
  line-height: 1;
}
.calc-result-value span { color: var(--walnut); }
.calc-disclaimer {
  font-size: 12px;
  color: var(--muted);
  margin-top: 16px;
  text-align: center;
  line-height: 1.5;
}

@media (max-width: 900px) {
  .calc-wrapper { grid-template-columns: 1fr; gap: 40px; }
}

/* ───── Reviews ───── */

.reviews-stats {
  display: flex;
  justify-content: center;
  gap: 80px;
  margin-bottom: 60px;
  flex-wrap: wrap;
}
.review-stat {
  text-align: center;
}
.review-stat-num {
  font-family: 'Fraunces', serif;
  font-size: 56px;
  font-weight: 400;
  color: var(--walnut);
  line-height: 1;
  margin-bottom: 8px;
}
.review-stat-label {
  font-size: 14px;
  color: var(--muted);
  letter-spacing: 0.04em;
}

.review-cards {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  max-width: 920px;
  margin: 0 auto 48px;
}
.review-card {
  background: var(--cream);
  border-radius: var(--radius-lg);
  padding: 36px;
  border: 1px solid var(--line);
}
.review-stars {
  color: var(--walnut);
  font-size: 16px;
  margin-bottom: 16px;
  letter-spacing: 4px;
}
.review-card blockquote {
  font-family: 'Fraunces', serif;
  font-size: 19px;
  line-height: 1.5;
  color: var(--ink);
  margin-bottom: 20px;
  font-weight: 400;
}
.review-author {
  font-size: 14px;
  font-weight: 600;
  color: var(--ink-soft);
}
.review-author span {
  font-weight: 400;
  color: var(--muted);
}
.reviews-cta {
  text-align: center;
}

@media (max-width: 720px) {
  .review-cards { grid-template-columns: 1fr; }
  .reviews-stats { gap: 40px; }
}

/* ───── FAQ ───── */

.faq-section {
  background: var(--cream);
}
.faq-list {
  max-width: 800px;
  margin: 0 auto;
}
.faq-item {
  border-bottom: 1px solid var(--line);
}
.faq-item summary {
  cursor: pointer;
  padding: 24px 0;
  font-family: 'Fraunces', serif;
  font-size: 20px;
  font-weight: 500;
  color: var(--ink);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: '+';
  font-size: 28px;
  color: var(--walnut);
  font-weight: 300;
  transition: transform 0.25s ease;
}
.faq-item[open] summary::after {
  transform: rotate(45deg);
}
.faq-item p {
  padding: 0 0 24px;
  color: var(--body);
  line-height: 1.65;
  max-width: 680px;
}

/* ───── Final CTA ───── */

.final-cta {
  background: var(--ink);
  color: var(--white);
  text-align: center;
}
.final-cta h2 {
  color: var(--white);
  margin-bottom: 16px;
  font-size: clamp(2.2rem, 4vw, 3.4rem);
}
.final-cta h2 em { color: var(--walnut); font-style: italic; font-weight: 300; }
.final-cta p {
  font-size: 19px;
  color: rgba(255, 255, 255, 0.75);
  margin-bottom: 36px;
  max-width: 580px;
  margin-left: auto;
  margin-right: auto;
}
.final-cta-ctas {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}
.final-cta .btn-primary {
  background: var(--walnut);
}
.final-cta .btn-primary:hover { background: var(--walnut-dark); }
.final-cta .btn-secondary {
  border-color: rgba(255, 255, 255, 0.4);
  color: var(--white);
}
.final-cta .btn-secondary:hover {
  background: var(--white);
  color: var(--ink);
  border-color: var(--white);
}

/* ───── Footer ───── */

.footer {
  background: #0A0D10;
  color: rgba(255, 255, 255, 0.6);
  padding: 80px 0 40px;
  font-size: 14px;
  line-height: 1.6;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 48px;
}
.footer h4 {
  color: var(--white);
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  margin-bottom: 18px;
}
.footer ul { list-style: none; }
.footer li { margin-bottom: 10px; }
.footer a { color: rgba(255, 255, 255, 0.65); }
.footer a:hover { color: var(--walnut); }
.footer-brand {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  color: var(--white);
  margin-bottom: 14px;
}
.footer-brand span { color: var(--walnut); }
.footer-tagline {
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 20px;
  max-width: 320px;
}
.footer-contact a { display: block; margin-bottom: 6px; }

.footer-legal {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 28px;
  font-size: 12px;
  color: rgba(255, 255, 255, 0.4);
  line-height: 1.6;
}
.footer-legal p { margin-bottom: 10px; }

@media (max-width: 900px) {
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 540px) {
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
}

/* ───── About page ───── */

.about-hero {
  background: linear-gradient(180deg, var(--cream) 0%, var(--white) 100%);
  padding: 80px 0 60px;
}
.about-hero-grid {
  display: grid;
  grid-template-columns: 1fr 1.1fr;
  gap: 64px;
  align-items: center;
}
.about-hero-content .eyebrow {
  display: inline-block;
  color: var(--walnut-dark);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.about-hero-content h1 {
  margin-bottom: 20px;
}
.about-hero-content h1 em { color: var(--walnut); font-style: italic; font-weight: 300; }
.about-hero-content .lead {
  font-size: 20px;
  line-height: 1.55;
  color: var(--body);
  margin-bottom: 28px;
}
.about-hero-photo {
  aspect-ratio: 4 / 5;
  border-radius: var(--radius-lg);
  background: linear-gradient(135deg, var(--walnut-light) 0%, var(--cream) 100%);
  overflow: hidden;
  box-shadow: var(--shadow-lg);
}
.about-hero-photo img { width: 100%; height: 100%; object-fit: cover; }
.about-hero-photo-placeholder {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  width: 100%;
  height: 100%;
  color: var(--walnut-dark);
  text-align: center;
  padding: 40px;
}
.about-hero-photo-placeholder svg { width: 80px; height: 80px; margin-bottom: 16px; opacity: 0.5; }
.about-hero-photo-placeholder p { font-size: 14px; font-weight: 500; }

.container-narrow { max-width: 760px; padding: 0 24px; margin: 0 auto; }

.story { padding: 80px 0 100px; background: var(--white); }
.story-section { margin-bottom: 72px; }
.story-section:last-child { margin-bottom: 0; }
.story-section .eyebrow {
  display: inline-block;
  color: var(--walnut-dark);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.story-section h2 {
  font-size: clamp(1.7rem, 3.2vw, 2.4rem);
  margin-bottom: 24px;
  line-height: 1.2;
}
.story-section h2 em { font-style: italic; color: var(--walnut); }
.story-section p {
  font-size: 19px;
  line-height: 1.7;
  color: var(--ink-soft);
  margin-bottom: 20px;
}
.story-section p:last-child { margin-bottom: 0; }
.story-pullquote {
  border-left: 3px solid var(--walnut);
  padding: 8px 0 8px 28px;
  margin: 36px 0;
  font-family: 'Fraunces', serif;
  font-size: 24px;
  font-style: italic;
  line-height: 1.45;
  color: var(--ink);
  font-weight: 400;
}
.story-divider {
  border: 0;
  height: 1px;
  background: var(--line);
  margin: 0;
}

.story-personal {
  background: var(--cream);
  border-radius: var(--radius-lg);
  padding: 48px;
  margin-top: 16px;
}
.story-personal h2 { margin-bottom: 24px; }
.story-personal-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px 32px;
  margin-top: 32px;
}
.story-personal-item {
  display: flex;
  gap: 14px;
  align-items: flex-start;
}
.story-personal-icon {
  width: 36px;
  height: 36px;
  border-radius: 10px;
  background: var(--white);
  display: flex;
  align-items: center;
  justify-content: center;
  color: var(--walnut-dark);
  flex-shrink: 0;
}
.story-personal-item-text strong {
  display: block;
  font-size: 15px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 2px;
}
.story-personal-item-text span {
  font-size: 14px;
  color: var(--muted);
}

@media (max-width: 900px) {
  .about-hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .about-hero-photo { max-width: 360px; margin: 0 auto; aspect-ratio: 4 / 5; }
}
@media (max-width: 720px) {
  .story-personal { padding: 32px 24px; }
  .story-personal-grid { grid-template-columns: 1fr; }
}

/* Mark active nav link */
.nav-links a.active { color: var(--walnut); }

/* ───── Service pages ───── */

.service-hero {
  background: linear-gradient(180deg, var(--cream) 0%, var(--white) 100%);
  padding: 80px 0 60px;
}
.service-hero .eyebrow {
  display: inline-block;
  background: var(--walnut-light);
  color: var(--walnut-dark);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 500;
  letter-spacing: 0.02em;
  margin-bottom: 24px;
}
.service-hero h1 {
  margin-bottom: 20px;
  max-width: 880px;
}
.service-hero h1 em {
  font-style: italic;
  color: var(--walnut);
  font-weight: 300;
}
.service-hero .lead {
  font-size: 20px;
  line-height: 1.55;
  color: var(--body);
  margin-bottom: 32px;
  max-width: 680px;
}
.service-hero-ctas {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.service-body { padding: 80px 0; }

.pain-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 20px;
  margin-top: 40px;
}
.pain-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px;
  transition: all 0.2s ease;
}
.pain-card:hover {
  border-color: var(--walnut);
  box-shadow: var(--shadow-md);
}
.pain-card-worry {
  font-family: 'Fraunces', serif;
  font-size: 19px;
  font-weight: 500;
  color: var(--ink);
  margin-bottom: 12px;
  line-height: 1.35;
}
.pain-card-worry::before {
  content: '"';
  color: var(--walnut);
  font-size: 28px;
  margin-right: 4px;
  line-height: 1;
}
.pain-card-worry::after {
  content: '"';
  color: var(--walnut);
  font-size: 28px;
  line-height: 1;
}
.pain-card-answer {
  font-size: 15px;
  line-height: 1.6;
  color: var(--body);
}
.pain-card-answer strong {
  color: var(--walnut-dark);
  font-weight: 600;
}

.loan-list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 16px;
  margin-top: 40px;
}
.loan-item {
  display: flex;
  gap: 16px;
  padding: 24px;
  background: var(--cream);
  border-radius: var(--radius);
  border-left: 3px solid var(--walnut);
}
.loan-item-num {
  font-family: 'Fraunces', serif;
  font-size: 32px;
  font-weight: 300;
  font-style: italic;
  color: var(--walnut);
  line-height: 1;
  flex-shrink: 0;
  min-width: 32px;
}
.loan-item-text h4 {
  font-family: 'Fraunces', serif;
  font-size: 18px;
  font-weight: 500;
  color: var(--ink);
  margin-bottom: 6px;
}
.loan-item-text p {
  font-size: 14px;
  line-height: 1.55;
  color: var(--body);
  margin: 0;
}

.process-steps {
  display: grid;
  grid-template-columns: 1fr;
  gap: 32px;
  margin-top: 40px;
  max-width: 760px;
}
.process-step {
  display: grid;
  grid-template-columns: 80px 1fr;
  gap: 24px;
  align-items: start;
  padding-bottom: 32px;
  border-bottom: 1px solid var(--line);
}
.process-step:last-child { border-bottom: 0; padding-bottom: 0; }
.process-step-num {
  font-family: 'Fraunces', serif;
  font-size: 56px;
  font-weight: 300;
  font-style: italic;
  color: var(--walnut);
  line-height: 1;
}
.process-step h4 {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 500;
  color: var(--ink);
  margin-bottom: 8px;
}
.process-step p {
  font-size: 16px;
  line-height: 1.6;
  color: var(--body);
  margin: 0;
}

@media (max-width: 720px) {
  .pain-grid { grid-template-columns: 1fr; }
  .loan-list { grid-template-columns: 1fr; }
  .process-step { grid-template-columns: 60px 1fr; gap: 16px; }
  .process-step-num { font-size: 44px; }
}

/* ───── Tools (Calculator / Quiz) ───── */

.tool-tabs {
  display: flex;
  gap: 8px;
  margin-bottom: 32px;
  border-bottom: 1px solid var(--line);
  overflow-x: auto;
}
.tool-tab {
  background: none;
  border: none;
  padding: 14px 20px;
  font-family: 'Inter', sans-serif;
  font-size: 15px;
  font-weight: 500;
  color: var(--muted);
  cursor: pointer;
  border-bottom: 2px solid transparent;
  white-space: nowrap;
  transition: all 0.2s ease;
}
.tool-tab:hover { color: var(--ink); }
.tool-tab.active {
  color: var(--walnut-dark);
  border-bottom-color: var(--walnut);
}
.tool-panel { display: none; }
.tool-panel.active { display: block; }

.tool-card {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 40px;
  box-shadow: var(--shadow-sm);
  margin-bottom: 24px;
}
.tool-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
  align-items: start;
}
.tool-grid h3 {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  font-weight: 500;
  color: var(--ink);
  margin-bottom: 8px;
}
.tool-grid p.tool-lead {
  font-size: 15px;
  color: var(--muted);
  margin-bottom: 24px;
  line-height: 1.55;
}
.tool-row {
  margin-bottom: 18px;
}
.tool-row label {
  display: flex;
  justify-content: space-between;
  font-size: 13px;
  font-weight: 600;
  color: var(--ink);
  margin-bottom: 8px;
  letter-spacing: 0.02em;
}
.tool-row label span { color: var(--walnut-dark); font-weight: 500; font-variant-numeric: tabular-nums; }
.tool-row input[type="range"] {
  -webkit-appearance: none;
  width: 100%;
  height: 5px;
  background: var(--line);
  border-radius: 3px;
  outline: none;
}
.tool-row input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 20px;
  height: 20px;
  background: var(--walnut);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid var(--white);
  box-shadow: var(--shadow-sm);
}
.tool-row input[type="range"]::-moz-range-thumb {
  width: 20px;
  height: 20px;
  background: var(--walnut);
  border-radius: 50%;
  cursor: pointer;
  border: 3px solid var(--white);
}
.tool-row input[type="number"], .tool-row input[type="text"] {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  font-size: 15px;
  font-family: inherit;
  color: var(--ink);
  background: var(--white);
  outline: none;
  transition: border-color 0.15s ease;
}
.tool-row input[type="number"]:focus, .tool-row input[type="text"]:focus {
  border-color: var(--walnut);
}

.tool-result {
  background: var(--ink);
  color: var(--white);
  padding: 32px;
  border-radius: var(--radius-lg);
  position: sticky;
  top: 100px;
}
.tool-result-block {
  margin-bottom: 24px;
  padding-bottom: 24px;
  border-bottom: 1px solid rgba(255,255,255,0.1);
}
.tool-result-block:last-child { border-bottom: 0; padding-bottom: 0; margin-bottom: 0; }
.tool-result-label {
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 6px;
}
.tool-result-value {
  font-family: 'Fraunces', serif;
  font-size: 36px;
  font-weight: 400;
  color: var(--white);
  line-height: 1;
  font-variant-numeric: tabular-nums;
}
.tool-result-value.large { font-size: 48px; color: var(--walnut-light); }
.tool-result-value .currency { color: var(--walnut); }
.tool-result-sub {
  font-size: 13px;
  color: rgba(255, 255, 255, 0.6);
  margin-top: 6px;
}
.tool-result-cta {
  background: var(--walnut);
  color: var(--white);
  padding: 14px 20px;
  border-radius: 999px;
  font-weight: 500;
  text-align: center;
  display: block;
  margin-top: 20px;
  font-size: 14px;
  transition: background 0.2s ease;
}
.tool-result-cta:hover { background: var(--walnut-dark); color: var(--white); }

@media (max-width: 900px) {
  .tool-grid { grid-template-columns: 1fr; gap: 28px; }
  .tool-result { position: static; }
  .tool-card { padding: 28px; }
}

/* ───── Quiz ───── */

.quiz-section {
  padding: 60px 0 100px;
  background: linear-gradient(180deg, var(--cream) 0%, var(--white) 100%);
  min-height: 70vh;
}
.quiz-container {
  max-width: 720px;
  margin: 0 auto;
  padding: 0 24px;
}
.quiz-progress {
  height: 4px;
  background: var(--line);
  border-radius: 999px;
  margin-bottom: 48px;
  overflow: hidden;
}
.quiz-progress-bar {
  height: 100%;
  background: var(--walnut);
  border-radius: 999px;
  transition: width 0.35s ease;
  width: 0;
}
.quiz-step { display: none; animation: quizFade 0.35s ease; }
.quiz-step.active { display: block; }
@keyframes quizFade {
  from { opacity: 0; transform: translateY(8px); }
  to { opacity: 1; transform: translateY(0); }
}
.quiz-step-num {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--walnut-dark);
  margin-bottom: 16px;
}
.quiz-step h2 {
  font-size: clamp(1.7rem, 3.2vw, 2.2rem);
  margin-bottom: 16px;
  line-height: 1.25;
}
.quiz-step .quiz-help {
  font-size: 16px;
  color: var(--muted);
  margin-bottom: 32px;
}
.quiz-options {
  display: grid;
  gap: 12px;
}
.quiz-option {
  background: var(--white);
  border: 1.5px solid var(--line);
  border-radius: var(--radius);
  padding: 20px 24px;
  text-align: left;
  cursor: pointer;
  font-family: inherit;
  font-size: 16px;
  color: var(--ink);
  transition: all 0.15s ease;
  display: flex;
  align-items: center;
  gap: 14px;
}
.quiz-option:hover {
  border-color: var(--walnut);
  background: var(--cream);
  transform: translateY(-1px);
}
.quiz-option .quiz-option-letter {
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--cream);
  color: var(--walnut-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 600;
  flex-shrink: 0;
}
.quiz-option:hover .quiz-option-letter {
  background: var(--walnut);
  color: var(--white);
}

.quiz-back {
  background: none;
  border: none;
  color: var(--muted);
  font-size: 14px;
  cursor: pointer;
  margin-top: 24px;
  font-family: inherit;
  padding: 8px 0;
}
.quiz-back:hover { color: var(--ink); }

.quiz-email-form { margin-top: 16px; }
.quiz-email-form input[type="text"], .quiz-email-form input[type="email"] {
  width: 100%;
  padding: 16px 18px;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  font-size: 16px;
  font-family: inherit;
  color: var(--ink);
  background: var(--white);
  outline: none;
  margin-bottom: 12px;
}
.quiz-email-form input:focus { border-color: var(--walnut); }
.quiz-email-form button {
  width: 100%;
  padding: 16px;
  background: var(--ink);
  color: var(--white);
  border: 0;
  border-radius: 999px;
  font-weight: 500;
  font-size: 15px;
  cursor: pointer;
  font-family: inherit;
  transition: background 0.2s ease;
}
.quiz-email-form button:hover { background: var(--walnut-dark); }

.quiz-result {
  text-align: center;
}
.quiz-result-eyebrow {
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--walnut-dark);
  margin-bottom: 16px;
}
.quiz-result h2 {
  font-size: clamp(2rem, 4vw, 2.8rem);
  margin-bottom: 16px;
  line-height: 1.2;
}
.quiz-result h2 em { color: var(--walnut); font-style: italic; }
.quiz-result-body {
  font-size: 18px;
  line-height: 1.6;
  color: var(--body);
  margin-bottom: 32px;
  text-align: left;
  background: var(--cream);
  padding: 28px;
  border-radius: var(--radius-lg);
  border-left: 3px solid var(--walnut);
}
.quiz-result-ctas {
  display: flex;
  gap: 12px;
  justify-content: center;
  flex-wrap: wrap;
}

/* ───── Lead Magnet ───── */

.lead-magnet {
  background: var(--ink);
  color: var(--white);
  padding: 80px 0;
  position: relative;
  overflow: hidden;
}
.lead-magnet::before {
  content: '';
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 4px;
  background: var(--walnut);
}
.lead-magnet-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 64px;
  align-items: center;
}
.lead-magnet-image {
  position: relative;
  text-align: center;
}
.lead-magnet-image img {
  max-width: 320px;
  width: 100%;
  margin: 0 auto;
  box-shadow: 0 30px 60px rgba(0,0,0,0.4);
  border-radius: 4px;
  transform: rotate(-2deg);
  transition: transform 0.4s ease;
}
.lead-magnet-image:hover img {
  transform: rotate(0deg) scale(1.02);
}
.lead-magnet-content .eyebrow {
  display: inline-block;
  color: var(--walnut);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  margin-bottom: 16px;
}
.lead-magnet-content h2 {
  color: var(--white);
  font-size: clamp(2rem, 4vw, 2.8rem);
  margin-bottom: 16px;
  line-height: 1.2;
}
.lead-magnet-content h2 em {
  color: var(--walnut);
  font-style: italic;
  font-weight: 300;
}
.lead-magnet-content p {
  font-size: 17px;
  color: rgba(255,255,255,0.75);
  margin-bottom: 24px;
  line-height: 1.6;
}
.lead-magnet-content ul {
  list-style: none;
  margin-bottom: 28px;
  padding: 0;
}
.lead-magnet-content ul li {
  padding: 6px 0 6px 24px;
  font-size: 15px;
  color: rgba(255,255,255,0.8);
  position: relative;
}
.lead-magnet-content ul li::before {
  content: '✓';
  position: absolute;
  left: 0;
  color: var(--walnut);
  font-weight: 600;
}
.lead-magnet-form {
  display: flex;
  flex-direction: column;
  gap: 12px;
  max-width: 480px;
}
.lead-magnet-form input {
  width: 100%;
  padding: 14px 18px;
  border: 1.5px solid rgba(255,255,255,0.15);
  border-radius: 10px;
  font-size: 15px;
  font-family: inherit;
  background: rgba(255,255,255,0.06);
  color: var(--white);
  outline: none;
}
.lead-magnet-form input::placeholder { color: rgba(255,255,255,0.4); }
.lead-magnet-form input:focus { border-color: var(--walnut); background: rgba(255,255,255,0.1); }
.lead-magnet-form button {
  background: var(--walnut);
  color: var(--white);
  border: 0;
  padding: 16px 24px;
  border-radius: 999px;
  font-weight: 500;
  font-size: 15px;
  cursor: pointer;
  font-family: inherit;
  transition: background 0.2s ease;
}
.lead-magnet-form button:hover { background: var(--walnut-dark); }
.lead-magnet-small {
  font-size: 12px;
  color: rgba(255,255,255,0.4);
  margin-top: 6px;
}

@media (max-width: 900px) {
  .lead-magnet-grid { grid-template-columns: 1fr; gap: 40px; text-align: center; }
  .lead-magnet-content ul { text-align: left; max-width: 380px; margin-left: auto; margin-right: auto; }
  .lead-magnet-form { margin: 0 auto; }
}

/* ───── Thank You page ───── */

.thanks-section {
  padding: 100px 0;
  text-align: center;
  background: linear-gradient(180deg, var(--cream) 0%, var(--white) 100%);
}
.thanks-eyebrow {
  display: inline-block;
  background: var(--walnut-light);
  color: var(--walnut-dark);
  padding: 6px 14px;
  border-radius: 999px;
  font-size: 13px;
  font-weight: 500;
  margin-bottom: 24px;
}
.thanks-section h1 {
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  margin-bottom: 20px;
}
.thanks-section h1 em { color: var(--walnut); font-style: italic; font-weight: 300; }
.thanks-section p.lead {
  font-size: 20px;
  color: var(--body);
  max-width: 600px;
  margin: 0 auto 36px;
  line-height: 1.5;
}
.thanks-cta-card {
  background: var(--ink);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 48px 40px;
  max-width: 540px;
  margin: 0 auto 32px;
  text-align: center;
}
.thanks-cta-card h3 {
  font-family: 'Fraunces', serif;
  font-size: 26px;
  color: var(--white);
  margin-bottom: 12px;
}
.thanks-cta-card p { color: rgba(255,255,255,0.7); margin-bottom: 24px; font-size: 15px; }
.thanks-cta-card .btn-primary { background: var(--walnut); }
.thanks-cta-card .btn-primary:hover { background: var(--walnut-dark); }

.thanks-next {
  max-width: 680px;
  margin: 60px auto 0;
  text-align: left;
  padding: 32px;
  background: var(--cream);
  border-radius: var(--radius-lg);
}
.thanks-next h3 {
  font-family: 'Fraunces', serif;
  font-size: 22px;
  margin-bottom: 12px;
}
.thanks-next p { font-size: 16px; line-height: 1.6; color: var(--body); }