/* ==========================================================
   My Diversified Agents — site stylesheet
   Loan-file aesthetic: kraft panels, ruled rows, stamps, brass
   Accessibility floor: 19px base, 60px buttons, AA contrast
   ========================================================== */

:root{
  --file:#E8E2D2;
  --file-2:#F1ECE0;
  --ink:#14202B;
  --ink-2:#2B3A48;
  --stamp:#9B2C22;
  --ledger:#1F5E52;
  --brass:#A87C34;
  --rule:#CBC2AC;
  --muted:#5E6B76;

  --slab:"Zilla Slab",Georgia,serif;
  --sans:"Public Sans",-apple-system,"Helvetica Neue",Arial,sans-serif;
  --mono:"IBM Plex Mono","Courier New",monospace;
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{
  background:var(--file);font-family:var(--sans);
  font-size:19px;line-height:1.55;color:var(--ink);
  -webkit-font-smoothing:antialiased;
}
.wrap{max-width:1180px;margin:0 auto;padding:0 26px}
img{max-width:100%;display:block}
a{color:var(--ink)}
:focus-visible{outline:3px solid var(--brass);outline-offset:3px}

/* ---------- skip link ---------- */
.skip{position:absolute;left:-9999px;top:8px;background:var(--ink);color:var(--file);padding:12px 18px;font-weight:700;z-index:99}
.skip:focus{left:8px}

/* ---------- masthead ---------- */
.mast{background:var(--ink);color:var(--file);border-bottom:3px solid var(--brass)}
.mast .wrap{display:flex;align-items:center;justify-content:space-between;gap:22px;padding:18px 26px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:15px;text-decoration:none;color:var(--file)}
.mono-box{
  font-family:var(--slab);font-weight:700;font-size:25px;letter-spacing:.04em;
  border:2px solid var(--brass);color:#E8C88A;padding:6px 12px;line-height:1;
}
.brand .nm{font-family:var(--slab);font-size:22px;font-weight:600;line-height:1.15}
.brand .lc{font-size:12px;color:#93A2AF;letter-spacing:.06em;margin-top:2px}
.mast .tel{font-family:var(--slab);font-size:30px;font-weight:700;color:#E8C88A;text-decoration:none;white-space:nowrap}
.mast .tel span{display:block;font-family:var(--sans);font-size:11.5px;font-weight:700;letter-spacing:.17em;text-transform:uppercase;color:#8C9BA8;margin-bottom:1px}

nav.main{background:var(--ink-2);border-bottom:1px solid #3C4B59}
nav.main .wrap{display:flex;flex-wrap:wrap;padding:0 26px}
nav.main a{
  color:#D3DCE3;text-decoration:none;font-size:16px;font-weight:600;
  padding:15px 20px;border-right:1px solid #3C4B59;
}
nav.main a:first-child{border-left:1px solid #3C4B59}
nav.main a:hover{background:var(--ink);color:#E8C88A}
nav.main a[aria-current="page"]{background:var(--file);color:var(--ink);border-bottom:3px solid var(--brass);margin-bottom:-1px}

/* ---------- type ---------- */
h1,h2,h3,h4{font-family:var(--slab);font-weight:600;line-height:1.15}
h1{font-size:clamp(38px,5.4vw,62px);letter-spacing:-.015em;max-width:17ch}
h2{font-size:clamp(28px,3.6vw,40px);line-height:1.18}
h3{font-size:24px;line-height:1.25}
h4{font-size:20px}
p{max-width:64ch}
.lead{font-size:22px;line-height:1.55;color:var(--ink-2);max-width:48ch}
.kick{font-size:13px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--stamp);margin-bottom:16px}
.kick.brass{color:var(--brass)}
.muted{color:var(--muted)}
strong{font-weight:700}
em{font-style:normal;background:#E4D9B8;padding:0 3px}

/* ---------- sections ---------- */
.sec{padding:56px 0;border-bottom:2px solid var(--ink)}
.sec-hd{margin-bottom:34px;max-width:36ch}
.sec-hd p{margin-top:12px;font-size:19px;color:var(--muted)}
.hero{padding:60px 0 52px;border-bottom:2px solid var(--ink)}
.hero .lead{margin:22px 0 34px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:center}
@media(max-width:900px){.hero-grid{grid-template-columns:1fr}}

.cta-row{display:flex;gap:16px;flex-wrap:wrap;align-items:center}

/* ---------- buttons ---------- */
.btn{
  font-family:var(--sans);font-size:19px;font-weight:700;
  background:var(--ink);color:var(--file);border:2px solid var(--ink);
  padding:18px 34px;min-height:64px;cursor:pointer;
  box-shadow:5px 5px 0 var(--ink-2);
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  text-decoration:none;transition:transform .08s,box-shadow .08s;
}
.btn:hover{transform:translate(2px,2px);box-shadow:3px 3px 0 var(--ink-2)}
.btn:active{transform:translate(5px,5px);box-shadow:none}
.btn.red{background:var(--stamp);border-color:var(--stamp);box-shadow:5px 5px 0 #6E1E17}
.btn.green{background:var(--ledger);border-color:var(--ledger);box-shadow:5px 5px 0 #133D35}
.btn.plain{background:transparent;color:var(--ink);box-shadow:5px 5px 0 var(--rule)}
.btn.sm{font-size:17px;padding:12px 22px;min-height:54px;box-shadow:3px 3px 0 var(--rule)}

/* ---------- panels ---------- */
.panel{background:var(--file-2);border:2px solid var(--ink)}
.panel-hd{
  background:var(--ink);color:var(--file);padding:12px 20px;
  display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;align-items:baseline;
}
.panel-hd .l{font-size:13px;font-weight:700;letter-spacing:.19em;text-transform:uppercase}
.panel-hd .r{font-family:var(--mono);font-size:13px;color:#9FB0BD}
.panel-bd{padding:26px}

/* ---------- stamps ---------- */
.stamp{
  display:inline-block;font-family:var(--slab);font-weight:700;
  font-size:13px;letter-spacing:.12em;text-transform:uppercase;
  border:2.5px solid var(--stamp);color:var(--stamp);
  padding:4px 11px 5px;transform:rotate(-2.5deg);white-space:nowrap;
}
.stamp.ok{border-color:var(--ledger);color:var(--ledger);transform:rotate(1.5deg)}
.stamp.wait{border-color:var(--brass);color:#7E5C22;transform:rotate(-1deg)}

/* ---------- image slot (placeholder) ---------- */
.img-slot{
  border:2px dashed var(--brass);background:repeating-linear-gradient(45deg,#EDE7D9 0 12px,#E8E2D2 12px 24px);
  display:flex;align-items:center;justify-content:center;text-align:center;
  padding:26px;min-height:240px;color:#7E5C22;
}
.img-slot .t{font-family:var(--mono);font-size:13px;letter-spacing:.12em;text-transform:uppercase;margin-bottom:8px;font-weight:600}
.img-slot .d{font-size:15.5px;color:var(--muted);max-width:32ch;line-height:1.45}
.img-slot.tall{min-height:380px}
.img-slot.wide{min-height:300px}

/* ---------- photo plate / archival mount ---------- */
.photo-plate{
  background:var(--file-2);border:2px solid var(--ink);
  box-shadow:6px 6px 0 var(--ink-2);
  padding:10px;display:flex;flex-direction:column;
  position:relative;transition:box-shadow .15s ease,transform .15s ease;
}
.photo-plate:hover{
  box-shadow:8px 8px 0 var(--ink-2);
  transform:translate(-1px,-1px);
}
.photo-plate .img-wrap{
  overflow:hidden;border:1px solid var(--rule);
  background:var(--file);position:relative;
}
.photo-plate img{
  width:100%;height:100%;display:block;
  object-fit:cover;transition:transform .35s ease;
}
.photo-plate:hover img{
  transform:scale(1.02);
}
.photo-plate.tall .img-wrap{
  aspect-ratio:3/4;max-height:480px;
}
.photo-plate.wide .img-wrap{
  aspect-ratio:16/10;max-height:380px;
}
.photo-plate.standard .img-wrap{
  aspect-ratio:3/2;max-height:340px;
}
.photo-cap{
  display:flex;justify-content:space-between;align-items:center;
  gap:12px;padding:9px 6px 3px;font-size:12px;
  color:var(--ink-2);font-family:var(--mono);border-top:1px solid var(--rule);
  margin-top:8px;
}
.photo-cap .tag{
  color:var(--stamp);font-weight:700;letter-spacing:.09em;text-transform:uppercase;
}
.photo-cap .loc{
  color:var(--muted);font-size:11.5px;letter-spacing:.03em;
}

/* ---------- step cards / service grid ---------- */
.steps{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
@media(max-width:1050px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.steps{grid-template-columns:1fr}}
.step{background:var(--file-2);border:2px solid var(--ink);display:flex;flex-direction:column;text-decoration:none;color:inherit}
.step:hover{background:#EDE7D9}
.step .hd{background:var(--ink);color:var(--file);padding:9px 14px;display:flex;align-items:center;justify-content:space-between}
.step .hd .no{font-family:var(--mono);font-size:14px;color:#E8C88A}
.step .hd .tg{font-size:11px;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:#93A2AF}
.step .bd{padding:20px 18px 22px;flex:1}
.step h3{font-size:24px;margin-bottom:9px}
.step p{font-size:16.5px;color:var(--muted);line-height:1.5}
.step .go{font-weight:700;font-size:15px;color:var(--stamp);margin-top:14px;display:block}

/* ---------- two column ---------- */
.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media(max-width:860px){.two{grid-template-columns:1fr}}
.three{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
@media(max-width:880px){.three{grid-template-columns:1fr}}

/* ---------- ruled list ---------- */
.ruled{list-style:none}
.ruled li{padding:14px 0 14px 30px;border-bottom:1px solid var(--rule);position:relative;font-size:18px;max-width:62ch}
.ruled li:last-child{border-bottom:0}
.ruled li::before{content:"";position:absolute;left:0;top:26px;width:14px;height:2px;background:var(--brass)}
.ruled li strong{display:block;font-family:var(--slab);font-size:20px;margin-bottom:3px}

/* ---------- numbered how ---------- */
.hw{display:flex;gap:18px}
.hw .n{font-family:var(--slab);font-size:36px;font-weight:700;color:var(--stamp);line-height:1;flex:none;width:48px;border-right:2px solid var(--rule)}
.hw h4{margin-bottom:7px}
.hw p{font-size:17px;color:var(--muted);line-height:1.5}

/* ---------- comparison table ---------- */
table.cmp{width:100%;border-collapse:collapse;border:2px solid var(--ink);background:var(--file-2)}
table.cmp th{background:var(--ink);color:var(--file);text-align:left;padding:13px 16px;font-size:13px;letter-spacing:.14em;text-transform:uppercase}
table.cmp td{padding:15px 16px;border-bottom:1px solid var(--rule);vertical-align:top;font-size:17px}
table.cmp tr:last-child td{border-bottom:0}
table.cmp td:first-child{font-family:var(--slab);font-weight:600;font-size:18px;width:26%}

/* ---------- FAQ (details) ---------- */
.faq details{border:2px solid var(--ink);background:var(--file-2);margin-bottom:12px}
.faq summary{
  cursor:pointer;list-style:none;padding:18px 22px;font-family:var(--slab);font-size:21px;font-weight:600;
  display:flex;justify-content:space-between;align-items:center;gap:16px;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--mono);font-size:26px;color:var(--brass);flex:none}
.faq details[open] summary::after{content:"–"}
.faq details[open] summary{border-bottom:1px solid var(--rule)}
.faq .a{padding:18px 22px 22px;font-size:17.5px;line-height:1.6}
.faq .a p+p{margin-top:12px}

/* ---------- widget ---------- */
.widget{background:var(--file-2);border:2px solid var(--ink)}
.widget .panel-hd .l::before{content:"◆ ";color:#E8C88A}
.w-body{padding:26px}
.w-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
@media(max-width:860px){.w-grid{grid-template-columns:1fr}}
.field{margin-bottom:18px}
.field label{display:block;font-weight:700;font-size:16px;margin-bottom:8px}
.field .help{font-size:14.5px;color:var(--muted);margin-top:6px}
.field input[type=number],.field input[type=text],.field select{
  width:100%;font-family:var(--sans);font-size:22px;padding:14px 16px;
  border:2px solid var(--ink);background:#fff;color:var(--ink);min-height:60px;
}
.field input[type=range]{width:100%;accent-color:var(--stamp);height:44px}
.choice{display:grid;gap:10px}
.choice label{
  display:flex;align-items:center;gap:14px;border:2px solid var(--ink);background:#fff;
  padding:14px 16px;cursor:pointer;font-size:18px;min-height:60px;
}
.choice label:hover{background:#EDE7D9}
.choice input{width:24px;height:24px;accent-color:var(--stamp);flex:none}
.choice input:checked + span{font-weight:700}

.result{border:2px solid var(--ink);background:var(--file);padding:22px 24px;min-height:120px}
.result .big{font-family:var(--slab);font-size:clamp(40px,5vw,58px);font-weight:700;line-height:1;margin:6px 0 8px}
.result .lab{font-size:12.5px;font-weight:700;letter-spacing:.17em;text-transform:uppercase;color:var(--muted)}
.result p{font-size:16.5px;line-height:1.5;margin-top:10px}
.light{display:inline-block;width:16px;height:16px;border-radius:50%;margin-right:10px;vertical-align:middle;border:2px solid var(--ink)}
.light.g{background:#3DA86C}.light.y{background:#E3B341}.light.r{background:#C4483B}
.result.green{border-color:var(--ledger);background:#E4EDE8}
.result.yellow{border-color:#B08A2A;background:#F2EAD3}
.result.red{border-color:var(--stamp);background:#F6E9E4}
.disc{font-size:14px;color:var(--muted);line-height:1.5;margin-top:16px;border-top:1px dotted var(--rule);padding-top:12px}

.checklist{list-style:none}
.checklist li{display:flex;gap:14px;align-items:flex-start;padding:12px 0;border-bottom:1px solid var(--rule);font-size:17px}
.checklist li:last-child{border-bottom:0}
.checklist .bx{width:22px;height:22px;border:2px solid var(--ink);flex:none;margin-top:3px}

/* ---------- quote / testimonial placeholder ---------- */
.quote{border-left:5px solid var(--brass);padding:6px 0 6px 24px;font-family:var(--slab);font-size:24px;line-height:1.35;max-width:36ch}
.quote .who{font-family:var(--sans);font-size:15px;color:var(--muted);margin-top:12px}

/* ---------- licensing plate ---------- */
.plate{border:2px solid var(--ink);background:var(--file-2)}
.plate-gr{display:grid;grid-template-columns:repeat(4,1fr)}
@media(max-width:840px){.plate-gr{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.plate-gr{grid-template-columns:1fr}}
.cell{padding:22px 20px;border-right:1px solid var(--rule)}
.cell:last-child{border-right:0}
.cell .a{font-family:var(--slab);font-size:24px;font-weight:600;margin-bottom:5px}
.cell .d{font-size:13px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.cell .n{font-family:var(--mono);font-size:14px;color:var(--ink-2);border-top:1px dotted var(--rule);padding-top:10px}

/* ---------- urgency band ---------- */
.band{background:var(--stamp);color:#FBEDE8;padding:26px 0}
.band .wrap{display:flex;justify-content:space-between;align-items:center;gap:22px;flex-wrap:wrap}
.band h3{color:#fff;font-size:26px}
.band p{color:#FBEDE8;font-size:17px;max-width:52ch}
.band .btn{background:#fff;color:var(--stamp);border-color:#fff;box-shadow:5px 5px 0 #6E1E17}

/* ---------- closing ---------- */
.close{background:var(--ink);color:var(--file);padding:56px 0}
.close h2{font-size:clamp(30px,4vw,44px);margin-bottom:14px;max-width:20ch}
.close p{font-size:19px;color:#B4C1CC;max-width:48ch;margin-bottom:30px}
.close .tel{font-family:var(--slab);font-size:clamp(42px,6vw,64px);font-weight:700;color:#E8C88A;text-decoration:none;display:inline-block;border-bottom:5px solid var(--brass);line-height:1.1}
.close .hrs{font-size:16px;color:#93A2AF;margin-top:16px}

footer{background:#0E1821;color:#8695A2;padding:30px 0;font-size:14.5px}
footer .wrap{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:26px}
@media(max-width:820px){footer .wrap{grid-template-columns:1fr}}
footer h5{color:#C3CDD6;font-family:var(--sans);font-size:12px;letter-spacing:.17em;text-transform:uppercase;margin-bottom:12px}
footer a{color:#C3CDD6;text-decoration:none;display:block;padding:4px 0}
footer a:hover{color:#E8C88A}
footer .mono{font-family:var(--mono);font-size:12.5px;line-height:1.7}
footer .legal{grid-column:1/-1;border-top:1px solid #23303B;padding-top:18px;font-size:13px;line-height:1.6;max-width:none}

/* ---------- utilities ---------- */
.mt{margin-top:26px}.mt2{margin-top:44px}
.sr{position:absolute;left:-9999px}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
@media print{.mast,nav.main,.band,.close,footer{display:none}}

/* ---------- nav: right-side actions ---------- */
nav.main .nav-ready{margin-left:auto;color:#E8C88A;border-left:1px solid #3C4B59}
nav.main .nav-portal{color:#fff;background:rgba(168,124,52,.18);border-right:none}
nav.main .nav-portal:hover{background:var(--ink);color:#E8C88A}
@media(max-width:700px){nav.main .nav-ready{margin-left:0}}

/* ---------- statutory rights block (credit repair) ---------- */
.rights h2{font-family:var(--slab);font-size:clamp(26px,3vw,34px);font-weight:600;line-height:1.2;margin-bottom:12px}
.rights p{font-size:19px;line-height:1.55;max-width:70ch}
.rights .ruled li{font-size:18px}

/* ==========================================================
   Contact form + portal coming-soon  (added 2026-09-15)
   Reuses .field / .choice from the widgets so every form on
   the site is the same form. Focus ring moved to the accessible
   brass (#7D5C26) per DESIGN-TOKENS.md; decorative brass unchanged.
   ========================================================== */
:focus-visible{outline:3px solid #7D5C26;outline-offset:3px}

.field input[type=email],.field input[type=tel],.field textarea{
  width:100%;font-family:var(--sans);font-size:22px;padding:14px 16px;
  border:2px solid var(--ink);background:#fff;color:var(--ink);min-height:60px;
}
.field textarea{min-height:130px;resize:vertical;line-height:1.45}
.field input:invalid:not(:placeholder-shown){border-color:var(--stamp)}
.field .req{color:var(--stamp);font-weight:700}

.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:0 26px}
@media(max-width:700px){.form-grid{grid-template-columns:1fr}}
.form-grid .span{grid-column:1/-1}

.consent{
  display:flex;gap:14px;align-items:flex-start;border:2px solid var(--ink);
  background:#fff;padding:14px 16px;font-size:17px;line-height:1.45;cursor:pointer;
}
.consent input{width:24px;height:24px;accent-color:var(--stamp);flex:none;margin-top:3px}

.form-foot{display:flex;gap:16px;flex-wrap:wrap;align-items:center;margin-top:8px}
.form-foot .btn{min-width:260px}
.form-foot .alt{font-size:17px;color:var(--muted)}
.form-foot .alt a{font-weight:700;color:var(--ink)}

.private{font-size:15px;color:var(--muted);line-height:1.5;margin-top:18px;border-top:1px dotted var(--rule);padding-top:12px;max-width:60ch}

/* coming-soon notice */
.soon{border:2px solid var(--ink);background:var(--file-2);box-shadow:6px 6px 0 var(--ink-2);margin-bottom:34px}
.soon .bd{padding:30px 28px}
.soon .bd h2{margin:10px 0 14px}
.soon .bd p{font-size:19px;line-height:1.55;color:var(--ink-2)}
.soon .bd p+p{margin-top:12px}
.soon .marks{display:flex;gap:14px;flex-wrap:wrap;margin-top:22px}
.soon .marks span{font-family:var(--mono);font-size:14px;color:var(--ink-2);border:1px solid var(--rule);padding:6px 10px;background:var(--file)}
.soon .marks span::before{content:"◆ ";color:var(--brass)}

/* thank-you */
.thanks{padding:70px 0;border-bottom:2px solid var(--ink)}
.thanks .stamp{font-size:18px;padding:8px 16px;margin-bottom:22px}
.thanks h1{max-width:20ch}
.thanks .lead{margin:18px 0 30px}

/* ==========================================================
   MOBILE PASS — 2026-09-15
   Phone-width fixes only. No content changes. Scoped to ≤700px so the
   desktop layout Luis approved is untouched.
   Fixes: sideways scroll (comparison table, contact form), the ragged
   wrapped nav, sub-18px reading text, and sub-44px tap targets.
   Eyebrows, captions and uppercase micro-labels are left at their token
   sizes on purpose — they are labels, not reading text.
   ========================================================== */
@media (max-width:700px){

  /* --- never scroll sideways --- */
  html,body{overflow-x:hidden}
  .wrap{padding-left:18px;padding-right:18px}
  .two,.three,.w-grid,.form-grid,.steps,.plate-gr,.hero-grid{grid-template-columns:minmax(0,1fr)}
  .two>*,.three>*,.w-grid>*,.form-grid>*,.steps>*,.hero-grid>*{min-width:0}
  .field,.widget,.soon,.panel,.result{min-width:0;max-width:100%}
  img,video{max-width:100%;height:auto}

  /* --- masthead --- */
  .mast .wrap{padding:16px 18px;gap:12px}
  .mast .tel{font-size:28px}
  .mast .tel span{font-size:12px}

  /* --- nav: an even grid instead of a ragged wrap --- */
  nav.main .wrap{display:grid;grid-template-columns:1fr 1fr;padding:0;gap:0}
  nav.main a{
    font-size:18px;min-height:60px;display:flex;align-items:center;
    padding:10px 16px;border-right:1px solid #3C4B59;border-bottom:1px solid #3C4B59;
  }
  nav.main a:first-child{border-left:none}
  nav.main a:nth-child(2n){border-right:none}
  nav.main a[aria-current="page"]{margin-bottom:0;border-bottom:3px solid var(--brass)}
  nav.main .nav-ready{margin-left:0;border-left:none}
  nav.main .nav-ready,nav.main .nav-portal{justify-content:space-between}

  /* --- hero --- */
  .hero{padding:44px 0 40px}
  h1{font-size:clamp(34px,9vw,42px);max-width:none}
  h2{font-size:clamp(27px,7.2vw,32px)}
  .lead{font-size:21px}
  .hero .lead{margin:18px 0 28px}
  .cta-row{flex-direction:column;align-items:stretch}
  .cta-row .btn{width:100%}
  .btn{padding:16px 22px;font-size:19px}

  /* --- reading text: nothing a client reads under 18px --- */
  .step p,.hw p,.band p,.faq .a,.checklist li,table.cmp td,
  .field label,.field .help,.disc,.result p,.close .hrs,.step .go,
  .consent,.form-foot .alt,.sec-hd p,.private,.quote .who{font-size:18px}
  .quote{font-size:22px}
  .step h3{font-size:23px}
  .band h3{font-size:24px}
  .close h2{font-size:clamp(28px,7.6vw,34px)}

  /* --- footer --- */
  footer{font-size:17px;padding:34px 0}
  footer .wrap{gap:22px;padding-left:18px;padding-right:18px}
  footer a{font-size:18px;padding:11px 0;min-height:44px;display:flex;align-items:center}
  footer .mono{font-size:15.5px;line-height:1.7}
  footer .legal{font-size:15.5px;line-height:1.6}

  /* --- inline phone links inside sentences: bigger hit area, same layout --- */
  .field .help a,.private a,.form-foot .alt a,.soon a,.hero a[href^="tel"],.result a[href^="tel"]{
    display:inline-block;padding:10px 4px;margin:-10px -4px;
  }
  .mast .tel{padding:4px 0}

  /* --- forms --- */
  .w-body{padding:20px 16px}
  .choice{grid-template-columns:1fr !important}
  .choice label{min-height:60px}
  .form-foot{flex-direction:column;align-items:stretch}
  .form-foot .btn{width:100%;min-width:0}
  .form-foot .alt{text-align:center}
  .soon .bd{padding:24px 18px}
  .soon .marks span{font-size:14px}

  /* --- comparison table: one card per row, column names as labels --- */
  table.cmp{border:0;background:none;display:block}
  table.cmp thead{position:absolute;left:-9999px;top:auto;width:1px;height:1px;overflow:hidden}
  table.cmp tbody,table.cmp tr,table.cmp td{display:block;width:100%}
  table.cmp tr{border:2px solid var(--ink);background:var(--file-2);margin-bottom:14px}
  table.cmp td{border-bottom:1px solid var(--rule);padding:14px 16px}
  table.cmp tr td:last-child{border-bottom:0}
  table.cmp td:first-child{
    background:var(--ink);color:var(--file);font-family:var(--slab);font-size:21px;
    width:100%;padding:12px 16px;border-bottom:0;
  }
  table.cmp td:not(:first-child)::before{
    content:attr(data-label);display:block;font-family:var(--sans);font-size:13px;
    font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:6px;
  }

  /* --- other tables (estimator): scroll inside their own box, never the page --- */
  .tbl-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}

  /* --- licensing plate + photo plates --- */
  .cell{border-right:0;border-bottom:1px solid var(--rule)}
  .cell:last-child{border-bottom:0}
  .photo-plate{box-shadow:4px 4px 0 var(--ink-2)}

  /* --- section rhythm --- */
  .sec{padding:44px 0}
  .sec-hd{margin-bottom:26px}
  .band{padding:24px 0}
  .band .btn{width:100%}
  .close{padding:44px 0}
  .thanks{padding:50px 0}
}
@media (max-width:700px){
  .btn.sm{font-size:18px;min-height:54px}
  .field .lab,span.lab{font-size:18px}
  footer .mono,footer .legal{font-size:17px}
  a.tel{display:inline-block;min-height:44px;padding:4px 0}
}
@media (max-width:700px){
  nav.main .nav-ready,nav.main .nav-portal{padding-left:12px;padding-right:12px;white-space:nowrap;letter-spacing:-.01em}
}

/* ==========================================================
   Masthead quote + mobile centring  (2026-09-15)
   ========================================================== */
.mast-quote{display:none}
@media (max-width:700px){
  .mast .wrap{flex-direction:column;align-items:center;text-align:center;gap:14px;padding:20px 18px 22px}
  .brand{flex-direction:column;gap:10px}
  .brand .lc{margin-top:4px}
  .mast-quote{
    display:block;margin:2px 0 0;max-width:30ch;
    font-family:var(--slab);font-size:19px;line-height:1.4;color:var(--file);
  }
  .mast-quote .q{display:block;font-style:italic;font-weight:500}
  .mast-quote .who{display:block;font-family:var(--sans);font-size:14px;font-weight:600;letter-spacing:.06em;color:#93A2AF;margin-top:8px}
  .mast-quote .who i{font-style:italic;font-weight:400}
  .mast .tel{align-self:center;text-align:center;border-top:1px solid #3C4B59;padding-top:14px;margin-top:2px;width:100%}
  .mast .tel span{text-align:center}
}

/* ==========================================================
   Scroll motion  (2026-09-15)
   Sections and cards rise in as they enter the viewport; the hero settles
   on load. All of it is gated on .js (no JS = everything simply visible)
   and switched off entirely under prefers-reduced-motion. Motion only —
   no colour, radius or shadow changes, per the anti-drift rule.
   ========================================================== */
.js .reveal{opacity:0;transform:translateY(16px);transition:opacity .55s cubic-bezier(.2,.7,.2,1),transform .55s cubic-bezier(.2,.7,.2,1);will-change:opacity,transform}
.js .reveal.in{opacity:1;transform:none;will-change:auto}

@keyframes mda-settle{from{opacity:0;transform:translateY(14px)}to{opacity:1;transform:none}}
.js .hero .kick,.js .hero h1,.js .hero .lead,.js .hero .cta-row,.js .hero .photo-plate,.js .thanks .stamp,.js .thanks h1,.js .thanks .lead,.js .thanks .cta-row{
  animation:mda-settle .6s cubic-bezier(.2,.7,.2,1) both;
}
.js .hero h1,.js .thanks h1{animation-delay:.08s}
.js .hero .lead,.js .thanks .lead{animation-delay:.16s}
.js .hero .cta-row,.js .thanks .cta-row{animation-delay:.24s}
.js .hero .photo-plate{animation-delay:.3s}

.js nav.main a{transition:background .15s,color .15s}
.js .step,.js .photo-plate,.js .btn{transition-property:transform,box-shadow,background,color;transition-duration:.15s}

@media (prefers-reduced-motion:reduce){
  .js .reveal{opacity:1;transform:none;transition:none}
  .js .hero *,.js .thanks *{animation:none!important}
}

/* Portrait headroom on tablet/desktop (2026-09-16): the tall plate is capped at
   480px, so the 3:4 photo is cropped there. Take the crop from the shoulders,
   not the hair. Mobile is uncropped and unchanged. */
.photo-plate.tall img{object-position:50% 6%}
/* Tablet (701–900px): the hero is one column here, so the tall plate would
   stretch full-width and crop half the portrait. Hold it at a true 3:4 print. */
@media (max-width:900px){
  .hero .photo-plate.tall{max-width:400px;margin-left:auto;margin-right:auto}
  .hero .photo-plate.tall .img-wrap{max-height:none}
}

/* form status (background submit) */
.form-status{border:2px solid var(--stamp);background:#F6EAE6;padding:13px 16px;font-size:18px;line-height:1.45;margin-top:14px;max-width:60ch}
.form-status a{font-weight:700;color:var(--ink)}
.form-status.ok{border-color:var(--ledger);background:#E4EDE8}

/* ---- nameplate under a portrait (2026-09-17 content audit) ---------------- */
.photo-name{font-family:var(--slab);font-weight:700;font-size:21px;line-height:1.15;color:var(--ink);padding:12px 6px 0;letter-spacing:.005em}
.photo-name + .photo-cap{margin-top:6px;padding-top:7px}

/* ---- dead-space pass (2026-09-17): centered headers, close card, page fills ---------- */
@media(min-width:861px){
  .sec-hd{margin-left:auto;margin-right:auto;text-align:center;max-width:46ch}
  .sec-hd p{margin-left:auto;margin-right:auto;max-width:58ch}
  .hd-two{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center;margin-bottom:34px}
  .hd-two .sec-hd{text-align:left;margin:0;max-width:40ch}
  .hero.center .wrap{text-align:center}
  .hero.center h1{margin-left:auto;margin-right:auto;max-width:22ch}
  .hero.center .lead{margin-left:auto;margin-right:auto;max-width:62ch}
  .hero.center .cta-row{justify-content:center}
  .thanks.center .wrap{text-align:center}
  .thanks.center h1,.thanks.center .lead,.thanks.center .private{margin-left:auto;margin-right:auto}
  .thanks.center .panel{margin-left:auto!important;margin-right:auto!important}
  .thanks.center .cta-row{justify-content:center}
  .close .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center}
  .close-side{border:2px solid var(--brass);padding:26px 30px 24px;background:rgba(255,255,255,.035);box-shadow:8px 8px 0 rgba(0,0,0,.35)}
  .close-side::before{content:"Direct line";display:block;font-size:12.5px;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:#93A2AF;margin-bottom:12px}
  .close-side .tel{font-size:clamp(38px,3.6vw,50px)}
  .two-fields{display:grid;grid-template-columns:1fr 1fr;gap:20px}
  .rights-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:start}
  .ruled.cols2{display:grid;grid-template-columns:1fr 1fr;gap:0 28px;align-items:start}
  .ruled.cols2 li:nth-last-child(2){border-bottom:0}
}
@media(max-width:860px){.close-side .hrs.desk{display:none}}
.side-plate{align-self:center}
.fill{margin-top:26px}
.fill .panel-bd,.side-plate .panel-bd{padding:20px 22px}
.ruled-sm{list-style:none;margin:0;padding:0}
.ruled-sm li{display:flex;gap:14px;align-items:flex-start;padding:11px 0;border-bottom:1px dotted var(--rule);font-size:16.5px;line-height:1.45}
.ruled-sm li:first-child{padding-top:0}
.ruled-sm li:last-child{border-bottom:0;padding-bottom:0}
.ruled-sm .k{flex:none;min-width:34px;font-family:var(--mono);font-size:12.5px;font-weight:700;color:var(--stamp);padding-top:4px;letter-spacing:.04em}
.ruled-sm b{font-family:var(--slab);font-size:18px;display:block;margin-bottom:2px;line-height:1.25}
.ruled-sm .m{color:var(--muted);display:block}
.ruled-sm .light{flex:none;margin:4px 0 0}
.ruled-sm a{color:var(--stamp);font-weight:700}
.tick{flex:none;width:20px;height:20px;border:2px solid var(--ledger);margin-top:3px;position:relative;display:inline-block}
.tick::after{content:"";position:absolute;left:5px;top:1px;width:5px;height:10px;border:solid var(--ledger);border-width:0 3px 3px 0;transform:rotate(45deg)}
.notice{border:2px solid var(--brass);background:var(--file);padding:18px 20px}
.notice p{font-size:16.5px!important;line-height:1.5!important}
.notice p+p{margin-top:12px}
/* payment anatomy bar (single hue, labels carry identity) */
.piti .lab{font-size:12.5px;font-weight:700;letter-spacing:.17em;text-transform:uppercase;color:var(--muted)}
.piti .bar{display:flex;height:26px;gap:2px;margin:10px 0 12px}
.piti .bar span{display:block;height:100%;min-width:3px}
.piti .bar span:first-child{border-radius:4px 0 0 4px}
.piti .bar span:last-child{border-radius:0 4px 4px 0}
.piti .s1{background:var(--ink)}
.piti .s2{background:#4E5B68}
.piti .s3{background:#8B96A0}
.piti .s4{background:repeating-linear-gradient(135deg,var(--stamp) 0 4px,#F1ECE0 4px 7px);box-shadow:inset 0 0 0 1px var(--stamp)}
.piti .legend{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:6px 18px;font-size:15px}
.piti .legend li{display:flex;align-items:center;gap:8px}
.piti .legend b{margin-left:auto;font-family:var(--mono);font-weight:500;font-size:14px}
.piti .sw{width:14px;height:14px;flex:none;display:inline-block}
@media(max-width:520px){.piti .legend{grid-template-columns:1fr}}
/* five score factors (one series, direct labels) */
.factors{list-style:none;margin:0;padding:0}
.factors li{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1.3fr) 46px;gap:12px;align-items:center;padding:9px 0;border-bottom:1px dotted var(--rule);font-size:16px}
.factors li:last-child{border-bottom:0}
.factors .t{height:14px;background:#DDD6C4;position:relative}
.factors .t i{position:absolute;left:0;top:0;bottom:0;background:var(--ink);border-radius:0 3px 3px 0}
.factors b{font-family:var(--mono);font-weight:700;text-align:right}
/* tax-year strip */
.cal{display:grid;grid-template-columns:repeat(12,1fr);gap:3px;margin-bottom:16px}
.cal span{font-family:var(--mono);font-size:11px;text-align:center;padding:9px 0;border:1px solid var(--rule);color:var(--muted);background:#fff}
.cal span.file{border-color:var(--ink);color:var(--ink);font-weight:700}
.cal span.win{background:var(--ledger);border-color:var(--ledger);color:#fff;font-weight:700}
.cal span.lock{background:var(--stamp);border-color:var(--stamp);color:#fff;font-weight:700}
/* two policies */
.two-pol{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.two-pol>div>b{font-family:var(--slab);font-size:20px;display:block;margin-bottom:8px;line-height:1.2}
.two-pol .ruled-sm li{font-size:15.5px;padding:8px 0}
@media(max-width:560px){.two-pol{grid-template-columns:1fr}}
/* portal phone mock */
.phone-mock{max-width:300px;margin:26px auto 0;border:3px solid var(--ink);border-radius:28px;padding:14px 16px 18px;background:#fff;box-shadow:8px 8px 0 var(--rule);font-family:var(--sans)}
.pm-top{display:flex;justify-content:space-between;font-family:var(--mono);font-size:11px;color:var(--muted);margin-bottom:12px}
.pm-hd{display:flex;gap:10px;align-items:center;margin-bottom:10px}
.pm-hd .box{font-family:var(--slab);font-weight:700;font-size:13px;border:2px solid var(--brass);color:var(--brass);padding:2px 6px}
.pm-hd b{display:block;font-family:var(--slab);font-size:17px;line-height:1.1}
.pm-hd small{font-family:var(--mono);font-size:11px;color:var(--muted)}
.pm-prog{height:8px;background:#E4DED0;margin-bottom:12px}
.pm-prog i{display:block;height:100%;background:var(--ledger)}
.pm-list{list-style:none;margin:0;padding:0}
.pm-list li{display:flex;align-items:center;gap:10px;padding:9px 0;border-bottom:1px dotted var(--rule);font-size:15px;color:var(--muted)}
.pm-list li.on{color:var(--ink)}
.pm-list .tick{width:18px;height:18px;margin-top:0}
.pm-list .tick::after{left:4px;top:0}
.pm-list .bx{width:18px;height:18px;border:2px solid var(--ink);flex:none;display:inline-block}
.pm-btn{margin-top:14px;background:var(--stamp);color:#fff;text-align:center;font-weight:700;padding:11px;font-size:15px}
.pm-foot{font-family:var(--mono);font-size:10.5px;color:var(--muted);text-align:center;margin-top:10px}
/* schematic map */
.map-plate svg{width:100%;height:auto;display:block}
.map-plate text{font-family:var(--mono);font-size:11px;fill:var(--ink-2)}
.map-plate text.hi{font-family:var(--slab);font-size:14px;font-weight:700;fill:var(--stamp)}
.map-plate text.rng{fill:var(--muted);font-size:10px;letter-spacing:.12em}

@media(max-width:700px){
  /* reading floor for the fills */
  .ruled-sm li,.ruled-sm .m,.factors li,.two-pol .ruled-sm li,.piti .legend,.notice p{font-size:18px!important}
  .ruled-sm b{font-size:19px}
  .factors li{grid-template-columns:minmax(0,1.2fr) minmax(0,1fr) 48px}
  .cal span{font-size:10px;padding:8px 0}
  .pm-list li{font-size:16px}
}