/* Reliant Mortgage — editorial luxury system */
:root{
  --navy:#0B1F35; --navy-d:#071626; --navy-l:#153352;
  --gold:#C8A24A; --gold-l:#E3CE9B; --gold-d:#A98436;
  --cream:#F7F4EE; --cream-2:#EFEAE1; --line:#DCD5C8; --line-d:rgba(255,255,255,.16);
  --ink:#14171C; --ink-2:#3C434D; --muted:#666D78;
  --disp:"Cormorant Garamond",Garamond,"Times New Roman",serif;
  --sans:"Jost",-apple-system,"Segoe UI",Helvetica,Arial,sans-serif;
  --ease:cubic-bezier(.22,.61,.36,1);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--sans);font-weight:400;font-size:16.5px;line-height:1.72;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{width:100%;max-width:1280px;margin:0 auto;padding:0 clamp(22px,4vw,56px)}
.narrow{max-width:900px}

h1,h2,h3{font-family:var(--disp);font-weight:300;margin:0 0 .5em;letter-spacing:-.005em;line-height:1.04}
h1{font-size:clamp(46px,7.4vw,108px);line-height:.98}
h2{font-size:clamp(34px,4.6vw,64px);line-height:1.06}
h3{font-size:clamp(22px,2.1vw,29px);line-height:1.2}
em{font-style:italic}
p{margin:0 0 1.1em}
.lede{font-size:clamp(16px,1.4vw,18.5px);color:var(--ink-2);font-weight:400;line-height:1.8;max-width:56ch}
.dl{font-family:var(--disp);font-size:clamp(21px,2.3vw,30px);line-height:1.5;color:var(--ink);font-weight:400}

/* label */
.lbl{font-family:var(--sans);font-size:10px;font-weight:400;letter-spacing:.34em;text-transform:uppercase;color:var(--gold-d);margin:0 0 26px;display:block}
.lbl.on-dark{color:var(--gold-l)}
.rule{width:100%;height:1px;background:var(--line);border:0;margin:0}
.rule.on-dark{background:var(--line-d)}

/* links + buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;padding:19px 42px;border:1px solid var(--navy);border-radius:6px;
  font-family:var(--sans);font-size:10.5px;font-weight:400;letter-spacing:.28em;text-transform:uppercase;
  color:var(--navy);background:transparent;transition:.45s var(--ease);cursor:pointer}
.btn:hover{background:var(--navy);color:var(--cream)}
.btn.solid{background:var(--navy);color:var(--cream)}
.btn.solid:hover{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.btn.lt{border-color:rgba(255,255,255,.5);color:#fff}
.btn.lt:hover{background:#fff;border-color:#fff;color:var(--navy)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.btn.gold:hover{background:var(--gold-d);border-color:var(--gold-d);color:#fff}
.tl{display:inline-flex;align-items:center;gap:12px;font-size:10.5px;letter-spacing:.26em;text-transform:uppercase;
  color:var(--navy);padding-bottom:7px;border-bottom:1px solid var(--gold);transition:.4s var(--ease)}
.tl:hover{gap:20px;border-color:var(--navy)}
.tl.on-dark{color:#fff;border-color:var(--gold)}
.acts{display:flex;gap:clamp(20px,3vw,44px);align-items:center;flex-wrap:wrap;margin-top:44px}

/* top strip + nav */
.strip{background:var(--navy-d);color:rgba(255,255,255,.62);font-size:10.5px;letter-spacing:.16em;text-transform:uppercase}
.strip .wrap{display:flex;justify-content:space-between;gap:20px;min-height:40px;align-items:center;flex-wrap:wrap}
.strip a{color:rgba(255,255,255,.85)}
.strip a:hover{color:var(--gold-l)}
.strip .sep{opacity:.3;margin:0 12px}

header.nav{position:fixed;top:40px;left:0;right:0;z-index:80;transition:.5s var(--ease);border-bottom:1px solid transparent}
header.nav .in{display:flex;align-items:center;justify-content:space-between;gap:30px;min-height:104px;transition:.5s var(--ease)}
.logo{display:block;position:relative;width:clamp(178px,17vw,232px);height:auto}
.logo img{width:100%;transition:opacity .4s var(--ease),visibility .4s}
.logo .dark{position:absolute;inset:0;opacity:0;visibility:hidden}
header.nav.stuck{background:var(--cream);border-bottom-color:var(--line);top:0}
header.nav.stuck .in{min-height:78px}
header.nav.stuck .logo .light{opacity:0;visibility:hidden}
header.nav.stuck .logo .dark{opacity:1;visibility:visible}
header.nav.stuck .menu>li>a{color:var(--ink-2)}
header.nav.stuck .navtoggle{color:var(--navy)}

.menu{display:flex;align-items:center;gap:clamp(20px,2.5vw,38px);list-style:none;margin:0;padding:0}
.menu>li{position:relative}
.menu>li>a{font-size:10.5px;font-weight:400;letter-spacing:.22em;text-transform:uppercase;color:rgba(255,255,255,.92);padding:16px 0;display:inline-block;transition:.35s var(--ease)}
.menu>li>a:hover{color:var(--gold-l)}
header.nav.stuck .menu>li>a:hover{color:var(--navy)}
.drop{position:absolute;top:100%;left:-26px;background:var(--cream);border:1px solid var(--line);
  min-width:290px;padding:14px 0;list-style:none;margin:0;opacity:0;visibility:hidden;transform:translateY(10px);transition:.35s var(--ease)}
.menu>li:hover .drop{opacity:1;visibility:visible;transform:translateY(0)}
.drop a{display:block;padding:11px 30px;font-size:13px;letter-spacing:.03em;color:var(--ink-2);transition:.3s var(--ease)}
.drop a:hover{color:var(--navy);padding-left:36px}
.navtoggle{display:none;background:none;border:0;font-size:22px;color:#fff;cursor:pointer;padding:6px}

/* hero */
.hero{position:relative;min-height:min(100vh,1020px);display:flex;flex-direction:column;overflow:hidden;background:var(--navy);padding-top:158px}
.hero-bg{position:absolute;inset:0;background-size:cover;background-position:center 55%;animation:slow 22s var(--ease) forwards}
@keyframes slow{from{transform:scale(1.1)}to{transform:scale(1)}}
.hero:after{content:"";position:absolute;inset:0;background:
  linear-gradient(100deg,rgba(5,15,28,.95) 0%,rgba(5,15,28,.88) 32%,rgba(5,15,28,.64) 52%,rgba(5,15,28,.24) 74%,rgba(5,15,28,0) 92%),
  linear-gradient(180deg,rgba(5,15,28,.50) 0%,rgba(5,15,28,.10) 26%,rgba(5,15,28,.34) 62%,rgba(5,15,28,.74) 100%)}
@media(max-width:900px){.hero:after{background:
  linear-gradient(180deg,rgba(5,15,28,.42) 0%,rgba(5,15,28,.16) 20%,rgba(5,15,28,.68) 42%,rgba(5,15,28,.88) 70%,rgba(5,15,28,.94) 100%)}}
.hero .wrap{position:relative;z-index:3;margin-top:auto;padding-bottom:clamp(66px,9vh,116px)}
.hero h1{color:#fff;max-width:16ch;margin-bottom:30px;text-shadow:0 2px 26px rgba(0,0,0,.72),0 1px 3px rgba(0,0,0,.55)}
.hero h1 em{color:var(--gold-l)}
.hero .lede{color:rgba(255,255,255,.92);max-width:50ch;font-size:clamp(15.5px,1.3vw,17.5px);text-shadow:0 1px 18px rgba(0,0,0,.7)}
.hero .lbl{color:var(--gold-l);margin-bottom:30px}
.scroll-hint{position:absolute;right:clamp(22px,4vw,56px);bottom:clamp(66px,9vh,116px);z-index:3;
  writing-mode:vertical-rl;font-size:9.5px;letter-spacing:.32em;text-transform:uppercase;color:rgba(255,255,255,.6);display:flex;align-items:center;gap:16px}
.scroll-hint:after{content:"";width:1px;height:64px;background:linear-gradient(180deg,rgba(255,255,255,.6),transparent)}

/* sections */
section{padding:clamp(78px,11vw,168px) 0}
section.tight{padding:clamp(54px,6vw,92px) 0}
section.cream2{background:var(--cream-2)}
section.dark{background:var(--navy);color:rgba(255,255,255,.82)}
section.dark h2,section.dark h3,section.dark .dl{color:#fff}
section.dark .lede{color:rgba(255,255,255,.84)}

/* statement */
.statement{max-width:19ch}
.stmt-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:clamp(40px,7vw,110px);align-items:start}

/* figures */
.figs{display:grid;grid-template-columns:repeat(4,1fr)}
.fig{padding:clamp(30px,3.4vw,48px) clamp(14px,2vw,30px);border-left:1px solid var(--line-d);text-align:center}
.fig:first-child{border-left:0}
.fig .v{font-family:var(--disp);font-weight:300;font-size:clamp(46px,5.6vw,80px);line-height:.9;color:var(--gold-l);margin-bottom:18px}
.fig .k{font-size:9.5px;letter-spacing:.28em;text-transform:uppercase;color:rgba(255,255,255,.55);line-height:1.8}

/* editorial split */
.ed{display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,6vw,96px);align-items:center}
.ed.rev .txt{order:2}
.ed .fr{position:relative}
.ed .fr img{width:100%;height:clamp(400px,56vw,660px);object-fit:cover}
.ed .fr:after{content:"";position:absolute;left:0;right:0;bottom:0;height:2px;background:linear-gradient(90deg,var(--gold),rgba(200,162,74,0))}
.cap{font-size:10px;letter-spacing:.24em;text-transform:uppercase;color:var(--muted);margin-top:18px}

/* editorial list */
.elist{border-top:1px solid var(--line)}
.erow{display:grid;grid-template-columns:78px 1fr 1.15fr 120px;gap:clamp(18px,3vw,44px);align-items:baseline;
  padding:clamp(26px,3vw,40px) 0;border-bottom:1px solid var(--line);transition:.45s var(--ease)}
.erow:hover{padding-left:14px;background:linear-gradient(90deg,rgba(200,162,74,.07),transparent 60%)}
.erow .no{font-family:var(--disp);font-size:20px;color:var(--gold-d)}
.erow h3{margin:0}
.erow p{margin:0;font-size:15px;color:var(--ink-2);line-height:1.7}
.erow .go{font-size:10px;letter-spacing:.24em;text-transform:uppercase;color:var(--navy);opacity:.35;transition:.4s var(--ease);text-align:right}
.erow:hover .go{opacity:1;color:var(--gold-d)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(26px,3.4vw,54px)}
.step .no{font-family:var(--disp);font-size:clamp(40px,4.4vw,62px);color:var(--gold);line-height:1;margin-bottom:20px;font-weight:300}
.step .bar{width:36px;height:1px;background:var(--line-d);margin-bottom:22px}
.step h3{font-size:clamp(19px,1.7vw,23px);margin-bottom:12px}
.step p{font-size:15px;color:rgba(255,255,255,.78);line-height:1.8;margin:0}

/* calculator */
.calc{display:grid;grid-template-columns:1.05fr .95fr;border:1px solid var(--line);background:#fff}
.calc .l{padding:clamp(34px,4.4vw,62px)}
.calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:22px 26px;margin-top:6px}
.field label{display:block;font-size:9.5px;font-weight:400;letter-spacing:.24em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.field input{width:100%;padding:14px 0;border:0;border-bottom:1px solid var(--line);background:transparent;
  font-family:var(--disp);font-size:26px;font-weight:300;color:var(--navy);transition:.35s var(--ease)}
.field input:focus{outline:0;border-color:var(--gold)}
.calc-note{font-size:12.5px;color:var(--muted);margin:34px 0 0;line-height:1.8;max-width:52ch}
.calc-out{background:var(--navy);color:#fff;padding:clamp(34px,4.4vw,58px);display:flex;flex-direction:column;justify-content:center}
.calc-out .k{font-size:9.5px;letter-spacing:.28em;text-transform:uppercase;color:rgba(255,255,255,.5);margin-bottom:16px}
.calc-out .big{font-family:var(--disp);font-weight:300;font-size:clamp(52px,6.4vw,88px);color:var(--gold-l);line-height:.92;margin-bottom:10px}
.calc-out .sub{font-size:12.5px;color:rgba(255,255,255,.5);letter-spacing:.05em}
.calc-rows{margin-top:36px;border-top:1px solid var(--line-d);padding-top:10px}
.calc-rows div{display:flex;justify-content:space-between;padding:11px 0;font-size:13.5px;color:rgba(255,255,255,.62);border-bottom:1px solid rgba(255,255,255,.07)}
.calc-rows div span:last-child{color:#fff}

/* closing band */
.band{position:relative;overflow:hidden;background:var(--navy)}
.band-bg{position:absolute;inset:0;background-size:cover;background-position:center;opacity:.42}
.band:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(7,22,38,.75),rgba(7,22,38,.9))}
.band .wrap{position:relative;z-index:3;text-align:center;padding-top:clamp(80px,10vw,148px);padding-bottom:clamp(80px,10vw,148px)}
.band h2{color:#fff;max-width:18ch;margin:0 auto .6em}
.band .lede{color:rgba(255,255,255,.72);margin:0 auto}
.band .acts{justify-content:center}

/* footer */
footer{background:var(--navy-d);color:rgba(255,255,255,.74);font-size:14px;padding:clamp(64px,7vw,104px) 0 0}
footer h4{color:#fff;font-size:9.5px;letter-spacing:.28em;text-transform:uppercase;font-family:var(--sans);font-weight:400;margin:0 0 24px}
.fgrid{display:grid;grid-template-columns:1.6fr .85fr .85fr .85fr .85fr;gap:clamp(28px,3.4vw,52px);padding-bottom:clamp(48px,6vw,80px)}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin-bottom:13px;font-size:13.5px}
footer a{color:rgba(255,255,255,.74);transition:.3s var(--ease)}
footer a:hover{color:var(--gold-l)}
.flogo{width:230px;margin-bottom:26px}
.legal{border-top:1px solid rgba(255,255,255,.11);padding:34px 0 54px;font-size:12px;line-height:1.9;color:rgba(255,255,255,.6)}
.legal p{margin:0 0 14px}
.legal strong{color:rgba(255,255,255,.72);font-weight:400}
.badges{display:flex;gap:26px;align-items:center;margin-bottom:26px;flex-wrap:wrap;
  font-size:9.5px;letter-spacing:.26em;text-transform:uppercase;color:rgba(255,255,255,.6)}

/* reveal */
.rv{opacity:0;transform:translateY(26px);transition:opacity 1s var(--ease),transform 1s var(--ease)}
.rv.in{opacity:1;transform:none}

@media(max-width:1080px){
  .stmt-grid,.ed,.calc{grid-template-columns:1fr}
  .ed.rev .txt{order:0}
  .ed .fr img{height:clamp(300px,52vw,460px)}
  .steps{grid-template-columns:1fr 1fr}
  .figs{grid-template-columns:1fr 1fr}
  .fig:nth-child(3){border-left:0}
  .fig{border-top:1px solid var(--line-d)}
  .fig:nth-child(-n+2){border-top:0}
  .fgrid{grid-template-columns:1fr 1fr}
  .erow{grid-template-columns:52px 1fr;gap:16px}
  .erow p{grid-column:2}
  .erow .go{grid-column:2;text-align:left;opacity:1;color:var(--gold-d)}
}
/* ── header ──
   six nav groups plus the lockup need about 1100px. Below that the links wrapped
   to two rows and the top strip wrapped to two lines, which squashed the logo.
   So the hamburger starts here, not at phone width. */
@media(max-width:1080px){
  .navtoggle{display:block}
  header.nav .in{min-height:82px}
  .menu{display:none;position:fixed;top:0;left:0;right:0;bottom:0;background:var(--cream);
    flex-direction:column;align-items:flex-start;justify-content:flex-start;gap:0;padding:110px 30px 40px;overflow-y:auto;z-index:90}
  .menu.open{display:flex}
  .menu>li{width:100%}
  .menu>li>a{color:var(--navy)!important;padding:16px 0;font-size:12px;border-bottom:1px solid var(--line);width:100%}
  .drop{position:static;opacity:1;visibility:visible;transform:none;border:0;background:transparent;padding:6px 0 14px 16px;min-width:0}
  .drop a{padding:8px 0}
  .strip{display:none}
  header.nav{top:0}
  header.nav .navcall{display:inline-flex;color:#fff;border-color:rgba(255,255,255,.5)}
  header.nav.stuck .navcall{color:var(--navy);border-color:var(--line)}
  .hero{padding-top:112px}
}
@media(max-width:780px){
  .steps,.figs,.calc-fields,.fgrid{grid-template-columns:1fr}
  .fig{border-left:0;border-top:1px solid var(--line-d);text-align:left}
  .fig:first-child{border-top:0}
  .scroll-hint{display:none}
  .hero{height:auto;min-height:0;padding-top:180px}
}

/* ── team grid ── */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(24px,3vw,44px)}
.tcard{display:block;position:relative;transition:.5s var(--ease)}
.tcard .ph{position:relative}
.tcard .ph img{width:100%;aspect-ratio:1/1;object-fit:contain;transition:.7s var(--ease)}
.tcard:hover .ph img{transform:translateY(-6px) scale(1.03)}
.tcard .ov{display:block;margin-top:14px;font-size:10px;letter-spacing:.26em;text-transform:uppercase;color:var(--gold-d);opacity:0;transition:.4s var(--ease)}
.tcard:hover .ov{opacity:1}
.tcard .nm{font-family:var(--disp);font-size:clamp(21px,1.9vw,26px);font-weight:400;color:var(--navy);margin:10px 0 6px;line-height:1.2;border-top:1px solid var(--line);padding-top:22px;transition:.4s var(--ease)}
.tcard:hover .nm{border-color:var(--gold)}
.tcard .ti{font-size:10px;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-d)}

/* ── officer landing ── */
.oh{display:grid;grid-template-columns:1fr 1.06fr;gap:clamp(32px,4vw,64px);align-items:start;
  padding-top:clamp(150px,17vw,224px);padding-bottom:clamp(60px,7vw,100px)}
/* the bio runs long, so the portrait rides along instead of stranding a hole above it */
.oh .fr{position:sticky;top:118px}
.oh .fr{position:relative}
.oh .fr img{width:100%;height:auto}
.oh .fr:after{content:"";position:absolute;left:12%;right:12%;bottom:0;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.oh h1{font-size:clamp(38px,5vw,72px);margin-bottom:14px}
.oh .ti{font-size:10.5px;letter-spacing:.28em;text-transform:uppercase;color:var(--gold-d);margin-bottom:26px;display:block}
.ometa{display:flex;flex-wrap:wrap;gap:0 clamp(26px,4vw,54px);margin:30px 0 0;border-top:1px solid var(--line);padding-top:26px}
.ometa div{padding:8px 0}
.ometa .k{font-size:9.5px;letter-spacing:.26em;text-transform:uppercase;color:var(--muted);margin-bottom:6px}
.ometa .v{font-family:var(--disp);font-size:22px;color:var(--navy)}
.ometa .v a:hover{color:var(--gold-d)}
.pull{font-family:var(--disp);font-size:clamp(24px,2.7vw,36px);font-weight:300;font-style:italic;line-height:1.4;color:var(--navy);
  border-left:1px solid var(--gold);padding-left:clamp(22px,3vw,40px);margin:0}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:8px}
.chip{font-size:10px;letter-spacing:.2em;text-transform:uppercase;border:1px solid var(--line);padding:10px 16px;color:var(--ink-2)}
section.dark .chip{border-color:var(--line-d);color:rgba(255,255,255,.8)}

/* ── lead form ── */
.lead{display:grid;grid-template-columns:.95fr 1.05fr;border:1px solid var(--line);background:#fff}
.lead .l{padding:clamp(34px,4.4vw,62px);background:var(--navy);color:#fff;display:flex;flex-direction:column;justify-content:center}
.lead .l h2{color:#fff;font-size:clamp(28px,3.2vw,42px)}
.lead .l p{color:rgba(255,255,255,.68);font-size:15px;line-height:1.85;margin:0}
.lead .r{padding:clamp(34px,4.4vw,62px)}
/* the dark column was mostly empty next to a tall form, so it now carries the
   three steps a lead actually wants to know before they hand over a phone number */
.lsteps{list-style:none;margin:clamp(26px,3vw,38px) 0 0;padding:0;counter-reset:s}
.lsteps li{position:relative;padding-left:40px;counter-increment:s;margin-bottom:clamp(18px,2vw,26px)}
.lsteps li:last-child{margin-bottom:0}
.lsteps li:before{content:counter(s);position:absolute;left:0;top:0;width:26px;height:26px;border-radius:50%;
  border:1px solid rgba(200,162,74,.55);color:var(--gold-l);font-family:var(--sans);font-size:10.5px;
  display:flex;align-items:center;justify-content:center;letter-spacing:.04em}
.lead .l .lsteps b{display:block;font-family:var(--disp);font-weight:400;font-size:clamp(18px,1.7vw,21px);color:#fff;margin-bottom:4px;line-height:1.25}
.lead .l .lsteps p{color:rgba(255,255,255,.6);font-size:14px;line-height:1.75;margin:0}
.lead .l .lapply{margin-top:clamp(28px,3.2vw,40px)}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:20px 26px}
.frow .full{grid-column:1/-1}
.lead .field input,.lead .field select,.lead .field textarea{width:100%;padding:13px 0;border:0;border-bottom:1px solid var(--line);background:transparent;
  font-family:var(--sans);font-weight:300;font-size:16px;color:var(--ink);transition:.35s var(--ease)}
.lead .field textarea{resize:vertical;min-height:64px}
.lead .field select{font-family:var(--sans)}
.lead .field input:focus,.lead .field select:focus,.lead .field textarea:focus{outline:0;border-color:var(--gold)}
.consent{font-size:11.5px;line-height:1.75;color:var(--muted);margin:26px 0 0}
.formmsg{margin-top:18px;font-size:13.5px;color:var(--gold-d);min-height:20px}
@media(max-width:1080px){.team-grid{grid-template-columns:1fr 1fr}.oh,.lead{grid-template-columns:1fr}
  .oh{padding-top:clamp(120px,20vw,170px)}.oh .fr{max-width:420px}}
@media(max-width:780px){.team-grid{grid-template-columns:1fr}.frow{grid-template-columns:1fr}}

.tcard .nick{font-style:italic;color:var(--gold-d);font-size:.8em}
.oh h1 .hnick{font-style:italic;color:var(--gold-d);font-size:.62em;white-space:nowrap}

.pull-src{display:block;margin-top:22px;padding-left:clamp(23px,3vw,41px);font-size:10px;letter-spacing:.28em;text-transform:uppercase;color:var(--gold-d)}
.socials{display:flex;align-items:center;gap:26px;flex-wrap:wrap;margin-top:30px;padding-top:24px;border-top:1px solid var(--line)}
.socials .k{font-size:9.5px;letter-spacing:.26em;text-transform:uppercase;color:var(--muted)}
.socials a{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--navy);padding-bottom:5px;border-bottom:1px solid transparent;transition:.35s var(--ease)}
.socials a:hover{border-color:var(--gold);color:var(--gold-d)}
.feature{display:flex;align-items:center;justify-content:space-between;gap:clamp(24px,4vw,60px);
  border:1px solid var(--line);background:#fff;padding:clamp(28px,3.6vw,52px)}
.feature h3{margin:0 0 10px}
@media(max-width:780px){.feature{flex-direction:column;align-items:flex-start}}

/* ── licensed states grid ── */
.maprow{display:grid;grid-template-columns:1.35fr .65fr;gap:clamp(32px,4vw,64px);align-items:center}
.usmap{display:grid;grid-template-columns:repeat(12,1fr);grid-auto-rows:1fr;gap:clamp(3px,.5vw,7px)}
.st{aspect-ratio:1;display:flex;align-items:center;justify-content:center;cursor:default;
  font-size:clamp(8px,.85vw,12px);letter-spacing:.06em;font-weight:400;transition:.3s var(--ease);outline:0}
.st.res{background:var(--navy);color:#fff}
.st.biz{background:transparent;border:1px solid var(--gold);color:var(--gold-d)}
.st.no{background:var(--cream-2);color:var(--muted);opacity:.7}
.st:hover,.st:focus{transform:scale(1.14);z-index:2}
.st.res:hover,.st.res:focus{background:var(--gold);color:var(--navy)}
.legend{display:flex;flex-direction:column;gap:14px;margin-bottom:30px}
.legend div{display:flex;align-items:center;gap:12px;font-size:12px;letter-spacing:.04em;color:var(--ink-2)}
.sw{width:16px;height:16px;flex:0 0 16px;display:block}
.sw.res{background:var(--navy)}
.sw.biz{border:1px solid var(--gold)}
.sw.no{background:var(--cream-2)}
.stateout{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:22px 0;min-height:96px}
.stateout strong{display:block;font-family:var(--disp);font-size:clamp(21px,2vw,28px);font-weight:400;color:var(--navy);margin-bottom:6px}
.stateout span{font-size:11px;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-d)}
.statelist{list-style:none;margin:0;padding:0;columns:2;column-gap:34px}
.statelist li{font-size:14.5px;color:var(--ink-2);padding:7px 0;border-bottom:1px solid var(--line);break-inside:avoid}
@media(max-width:1080px){.maprow{grid-template-columns:1fr}.statelist{columns:2}}
@media(max-width:600px){.statelist{columns:1}.st{font-size:7.5px}}

.fgrid{grid-template-columns:1.35fr 3.4fr}
.fbrand{grid-row:auto}
/* the six link groups have very different lengths, so a plain grid left a long
   empty run under the short ones. Column flow packs them instead. */
.fnav{display:grid;grid-template-columns:repeat(3,1fr);gap:clamp(24px,3vw,48px);align-items:start}
.fcol>div+div{margin-top:clamp(30px,3.2vw,44px)}
@media(max-width:1080px){.fgrid{grid-template-columns:1fr}.fnav{grid-template-columns:repeat(3,1fr)}}
@media(max-width:780px){.fnav{grid-template-columns:1fr 1fr}}
@media(max-width:460px){.fnav{grid-template-columns:1fr}.fcol>div+div{margin-top:26px}}

/* ── investor products ── */
.figs-lt .fig{border-left-color:var(--line);border-top-color:var(--line)}
.figs-lt .fig .v{color:var(--navy)}
.figs-lt .fig .k{color:var(--muted)}
.prods{border-top:1px solid var(--line)}
.prod{display:grid;grid-template-columns:120px 1fr;gap:clamp(18px,3vw,48px);
  padding:clamp(34px,4vw,58px) 0;border-bottom:1px solid var(--line);scroll-margin-top:130px}
.prod .no{font-family:var(--disp);font-size:clamp(30px,3.4vw,46px);color:var(--gold);line-height:1}
.prod h3{margin-bottom:10px}
.prod .lede{max-width:64ch}
.ticks{list-style:none;margin:24px 0 0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:10px 30px}
.ticks li{position:relative;padding-left:24px;font-size:14.5px;color:var(--ink-2)}
.ticks li:before{content:"";position:absolute;left:0;top:.65em;width:11px;height:1px;background:var(--gold)}
.faqs{border-top:1px solid var(--line)}
.faq{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:26px 0;font-family:var(--disp);
  font-size:clamp(19px,1.8vw,25px);font-weight:400;color:var(--navy);display:flex;justify-content:space-between;gap:20px;align-items:baseline}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";color:var(--gold-d);font-size:.8em;transition:.3s var(--ease)}
.faq[open] summary:after{content:"\2013"}
.faq .fa{padding:0 0 28px;max-width:74ch}
@media(max-width:780px){.prod{grid-template-columns:1fr;gap:14px}.ticks{grid-template-columns:1fr}}

.jump{display:flex;flex-wrap:wrap;gap:10px;margin-top:clamp(34px,4vw,52px);
  border-top:1px solid var(--line);padding-top:26px}
.jump a{font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-2);
  border:1px solid var(--line);padding:11px 16px;transition:.35s var(--ease)}
.jump a:hover{border-color:var(--navy);color:var(--navy)}

/* ── recognition badges ── */
.badgeband{background:var(--cream-2);border-top:1px solid var(--line)}
.badgerow{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;
  gap:clamp(26px,5vw,68px);margin-top:8px}
.badge img{height:clamp(58px,7vw,84px);width:auto;opacity:.9;transition:.4s var(--ease)}
.badge:hover img{opacity:1}
.badge:first-child img{height:clamp(26px,3.2vw,38px)}
.ehl{display:inline-flex;align-items:center;gap:9px}
.ehl-mark{width:17px;height:16px;flex:0 0 17px;color:rgba(255,255,255,.75)}
/* service area map */
.mapfig{max-width:1040px;margin:0 auto}
.mapfig img{width:100%;height:auto}
.maplegend{display:flex;flex-wrap:wrap;gap:clamp(20px,4vw,54px);justify-content:center;margin-top:clamp(24px,3vw,40px);
  border-top:1px solid var(--line);padding-top:26px}
.maplegend div{display:flex;align-items:center;gap:12px;font-size:12.5px;color:var(--ink-2)}
.maplegend i{width:15px;height:15px;display:block;flex:0 0 15px}

.lbl.center{display:flex;justify-content:center}
.badgeband .lbl{margin-bottom:34px}

.terms{columns:2;column-gap:clamp(34px,5vw,72px)}
.term{break-inside:avoid;padding:24px 0;border-bottom:1px solid var(--line)}
.term h3{font-size:clamp(18px,1.6vw,22px);margin-bottom:8px}
.term p{font-size:15px;color:var(--ink-2);line-height:1.75;margin:0}
@media(max-width:820px){.terms{columns:1}}

section.dark .figs .fig{border-left-color:var(--line-d)}
.band .lbl.center{justify-content:center}

.legalpage{max-width:74ch}
.legalpage p{font-size:15.5px;line-height:1.85;color:var(--ink-2);margin:0 0 18px}
.lg-h{font-size:clamp(22px,2.2vw,30px);margin:44px 0 16px;padding-top:26px;border-top:1px solid var(--line)}
.lg-sub{font-family:var(--sans);font-size:11px;font-weight:400;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-d);margin:26px 0 12px}

.tst{display:flex;flex-wrap:wrap;gap:6px;margin-top:14px}
.tst span{font-size:10px;letter-spacing:.14em;color:var(--ink-2);border:1px solid var(--line);
  padding:5px 8px;line-height:1;transition:.35s var(--ease)}
.tcard:hover .tst span{border-color:var(--gold);color:var(--gold-d)}

.calc .l select{width:100%;padding:14px 0;border:0;border-bottom:1px solid var(--line);background:transparent;
  font-family:var(--sans);font-weight:300;font-size:16px;color:var(--navy)}
.calc .l select:focus{outline:0;border-color:var(--gold)}
.cmp{display:inline-flex;align-items:center;gap:11px;margin-top:26px;cursor:pointer;
  font-size:12.5px;letter-spacing:.06em;color:var(--ink-2)}
.cmp input{width:16px;height:16px;accent-color:var(--gold-d);cursor:pointer}

.steps-3{grid-template-columns:repeat(3,1fr)}
@media(max-width:900px){.steps-3{grid-template-columns:1fr}}

.badges a.nmls-link{color:rgba(255,255,255,.6);border-bottom:1px solid rgba(255,255,255,.28);padding-bottom:3px;transition:.3s var(--ease)}
.badges a.nmls-link:hover{color:var(--gold-l);border-color:var(--gold)}

/* ── phone header ── */
.navright{display:flex;align-items:center;gap:14px}
.navcall{display:none;align-items:center;gap:7px;font-size:10.5px;letter-spacing:.18em;
  text-transform:uppercase;color:var(--navy);border:1px solid var(--line);
  padding:9px 14px;border-radius:6px;transition:.35s var(--ease)}
.navcall svg{flex:0 0 17px}
.navcall:hover{border-color:var(--gold);color:var(--gold-d)}

@media(max-width:780px){
  /* the top strip wraps to five lines on a phone, so it goes away entirely.
     everything in it lives in the menu, the call button, or the footer. */
  .strip{display:none}
  header.nav{top:0}
  .navcall{display:inline-flex}
  .logo{width:clamp(150px,44vw,190px)}
  .hero{padding-top:108px}
  .hero .wrap{padding-top:34px;padding-bottom:64px}
  .hero h1{max-width:none}
  .acts{gap:18px}
  .acts .btn{width:100%}
}

@media(max-width:780px){
  /* two across, so the whole team is scannable instead of one face per screen */
  .team-grid{grid-template-columns:1fr 1fr;gap:20px 16px}
  .tcard .nm{font-size:17px;padding-top:16px;margin-top:6px}
  .tcard .ti{font-size:9px;letter-spacing:.18em}
  .tst{gap:4px;margin-top:10px}
  .tst span{font-size:9px;padding:4px 6px;letter-spacing:.1em}
  .tcard .ov{display:none}
  /* the officer photo should not eat the whole first screen */
  .oh{padding-top:104px;gap:8px}
  .oh .fr{max-width:250px;margin:0 auto}
  .oh .fr:after{left:6%;right:6%}
  .ometa{gap:0 28px}
}
@media(max-width:400px){
  .tcard .nm{font-size:15.5px}
}

/* the full lockup carries a tagline that turns to mush on a phone,
   so small screens get the wordmark on its own, larger and legible */
.logo .mark-light,.logo .mark-dark{display:none;position:absolute;inset:0}
@media(max-width:780px){
  .logo{width:clamp(132px,38vw,164px)}
  .logo .light,.logo .dark{display:none}
  .logo .mark-light{display:block;position:static;opacity:1;visibility:visible}
  .logo .mark-dark{display:block;opacity:0;visibility:hidden}
  header.nav.stuck .logo .mark-light{opacity:0;visibility:hidden}
  header.nav.stuck .logo .mark-dark{opacity:1;visibility:visible}
  /* the call button has to read on the photo before it reads on cream */
  .navcall{color:#fff;border-color:rgba(255,255,255,.5)}
  header.nav.stuck .navcall{color:var(--navy);border-color:var(--line)}
  .navright{gap:10px}
  .nav-in{gap:12px}
  .navcall{padding:9px 12px;letter-spacing:.14em}
  /* the eyebrow was six pixels tall on a phone */
  .lbl{font-size:12px;letter-spacing:.26em;margin-bottom:20px}
  .hero .lbl{font-size:12.5px;letter-spacing:.24em}
}
@media(max-width:380px){
  .navcall span{display:none}
  .navcall{padding:10px 11px}
  .logo{width:126px}
}

.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.ocredit{margin-top:20px;font-size:13px;letter-spacing:.02em}
.ocredit a{color:var(--gold-d);border-bottom:1px solid rgba(200,162,74,.45);padding-bottom:2px}
.ocredit a:hover{color:var(--navy);border-color:var(--navy)}
.formmsg.sent{color:var(--ink-2);font-size:16px;line-height:1.7;display:flex;flex-direction:column;
  justify-content:center;align-items:flex-start;min-height:340px;padding:8px 0}
.formmsg.sent strong{font-family:var(--disp);font-size:clamp(28px,3vw,38px);font-weight:400;color:var(--navy);
  display:block;margin-bottom:10px;line-height:1.15}
.formmsg.sent p{margin:0;max-width:42ch;color:var(--ink-2)}
.formmsg.sent .dacts{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px;width:100%}

.lead{scroll-margin-top:110px}

/* ── officer page: centred masthead, then an even split ── */
.ohead{padding:clamp(140px,16vw,206px) 0 clamp(28px,3.4vw,46px)}
.ohead h1{font-size:clamp(44px,6.6vw,96px);margin-bottom:14px;line-height:1}
.ohead .ti{display:block;font-size:11px;letter-spacing:.28em;text-transform:uppercase;
  color:var(--gold-d);margin-bottom:26px}
.ohead .chips{justify-content:center}
.obody{padding:clamp(16px,2vw,30px) 0 clamp(64px,7vw,104px)}
.osplit{display:grid;grid-template-columns:1fr 1fr;gap:clamp(34px,4.4vw,72px);align-items:start}
.osplit .fr{position:sticky;top:112px}
.osplit .fr img{width:100%;height:auto}
.osplit .fr:after{content:"";position:absolute;left:8%;right:8%;bottom:0;height:1px;
  background:linear-gradient(90deg,transparent,var(--gold),transparent)}
.osplit .lede{max-width:none}
@media(max-width:1000px){
  .osplit{grid-template-columns:1fr;gap:18px}
  .osplit .fr{position:static;max-width:330px;margin:0 auto}
  .ohead{padding-top:clamp(104px,15vw,150px)}
}

.ohead .wrap{text-align:center}
.ohead h1,.ohead .ti{text-align:center}

/* footer call button */
.fcall{display:inline-flex;align-items:center;gap:9px;margin-top:4px;padding:12px 22px;
  border:1px solid rgba(255,255,255,.34);border-radius:6px;color:#fff;text-decoration:none;
  font-family:var(--disp);font-size:18px;letter-spacing:.01em;line-height:1;
  transition:background .18s,border-color .18s,color .18s}
.fcall:hover,.fcall:focus{background:var(--gold);border-color:var(--gold);color:var(--navy)}
.tlang{color:var(--gold-d);font-style:italic;white-space:nowrap}
.smsbox{display:flex;gap:11px;align-items:flex-start;margin-top:26px;padding:15px 17px;
  border:1px solid var(--line);border-radius:10px;background:var(--cream);cursor:pointer}
.smsbox input{margin:2px 0 0;width:17px;height:17px;flex:0 0 17px;accent-color:var(--navy);cursor:pointer}
.smsbox span{font-size:12.5px;line-height:1.55;color:var(--muted)}
.smsbox a{color:var(--gold-d);text-decoration:underline}
.smsbox:hover{border-color:var(--gold)}