:root{
  --paper:#F7F5F0;
  --card:#FFFFFF;
  --ink:#15201F;
  --ink-2:#22302E;
  --ink-soft:#4F5856;
  --hairline:#E2E1DA;
  --hairline-dark:#C3C6BE;
  --plate:#0A3633;
  --brand:#0E4D4A;
  --brand-deep:#0A3633;
  --brand-tint:#E4EEEA;
  --brand-wash:#EDF2EF;
  --brass:#C9A26A;
  --brass-light:#DCC08F;
  --brass-text:#8A6630;
  --max:1140px;
  --nav-h:72px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  font-family:'Archivo',-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
  font-size:16.5px;line-height:1.7;color:var(--ink);
  background:var(--paper);
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
body::after{
  content:"";position:fixed;inset:0;pointer-events:none;z-index:2000;opacity:.018;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='320' height='320'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.9' numOctaves='2'/%3E%3C/filter%3E%3Crect width='320' height='320' filter='url(%23n)'/%3E%3C/svg%3E");
}
::selection{background:var(--ink);color:var(--paper)}
img{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3,.serif{font-family:'Marcellus',Georgia,serif;font-weight:400;line-height:1.15}
.container{max-width:var(--max);margin:0 auto;padding:0 26px}
.skip{position:absolute;left:-9999px;top:0;background:var(--ink);color:var(--paper);padding:10px 18px;z-index:3000}
.skip:focus{left:12px;top:12px}

/* ---------- brand rules ---------- */
.top-rule{height:3px;background:var(--ink)}
.kicker{
  display:flex;align-items:center;gap:14px;
  font-size:11px;font-weight:600;letter-spacing:.22em;text-transform:uppercase;color:var(--ink-soft);
}
.kicker::before{content:"";width:44px;height:1px;background:var(--hairline-dark);flex:none}
.section{padding:clamp(84px,9vw,136px) 0}
.section + .section{border-top:1px solid var(--hairline)}
.section-head{margin-bottom:clamp(40px,5vw,64px);max-width:720px}
.section-head h1,.section-head h2{font-size:clamp(30px,3.6vw,44px);margin:18px 0 16px;letter-spacing:-.01em;text-wrap:balance}
.section-head p{color:var(--ink-soft);max-width:600px}
.smallcaps{font-size:11px;font-weight:600;letter-spacing:.2em;text-transform:uppercase}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:10px;
  padding:16px 28px;border:1px solid var(--ink);background:transparent;color:var(--ink);
  font-family:'Archivo',sans-serif;font-size:12px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;
  text-decoration:none;cursor:pointer;transition:background .18s ease,color .18s ease,transform .12s ease;
}
.btn:hover{background:var(--ink);color:var(--paper)}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--ink);color:var(--paper)}
.btn-primary:hover{background:var(--ink-2)}
.btn:focus-visible,a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline:2px solid var(--ink);outline-offset:3px}
.text-link{
  font-size:12px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;
  text-decoration:none;border-bottom:1px solid var(--hairline-dark);padding-bottom:4px;transition:border-color .18s;
}
.text-link:hover{border-color:var(--ink)}

/* ---------- nav ---------- */
.nav{
  position:sticky;top:0;z-index:1000;background:rgba(250,249,246,0);
  transition:background .25s ease,box-shadow .25s ease;height:var(--nav-h);
}
.nav.scrolled{background:rgba(250,249,246,.92);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);box-shadow:0 1px 0 var(--hairline)}
.nav-inner{max-width:var(--max);margin:0 auto;padding:0 26px;height:100%;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.monogram{
  width:42px;height:42px;flex:none;background:var(--plate);color:var(--paper);
  display:flex;align-items:center;justify-content:center;
  font-family:'Marcellus',serif;font-size:17px;letter-spacing:.06em;
  box-shadow:inset 0 0 0 1px rgba(250,249,246,.28), inset 0 0 0 3px var(--plate), inset 0 0 0 4px rgba(250,249,246,.22);
}
.brand-name{font-family:'Marcellus',serif;font-size:18px;letter-spacing:.04em;white-space:nowrap}
.nav-links{display:flex;align-items:center;gap:30px;list-style:none}
.nav-links a{font-size:11.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;text-decoration:none;color:var(--ink-soft);transition:color .15s}
.nav-links a:hover{color:var(--ink)}
.nav .btn{padding:12px 20px}
.nav-toggle{display:none;background:none;border:1px solid var(--hairline-dark);width:44px;height:40px;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px}
.nav-toggle span{display:block;width:18px;height:1.5px;background:var(--ink)}
.nav-panel{display:none}
@media (max-width:900px){
  .nav-links,.nav .btn-apply{display:none}
  .nav-toggle{display:flex}
  .nav-panel{display:block;position:absolute;top:var(--nav-h);left:0;right:0;background:var(--paper);border-bottom:1px solid var(--hairline);box-shadow:0 24px 40px -30px rgba(22,21,18,.25);transform:translateY(-8px);opacity:0;visibility:hidden;transition:.22s ease}
  .nav.open .nav-panel{transform:none;opacity:1;visibility:visible}
  .nav-panel ul{list-style:none;padding:10px 26px 22px}
  .nav-panel a{display:block;padding:13px 0;border-bottom:1px solid var(--hairline);text-decoration:none;font-size:12px;font-weight:600;letter-spacing:.16em;text-transform:uppercase}
  .nav-panel li:last-child a{border-bottom:none}
}

/* ---------- hero ---------- */
.hero{padding:clamp(48px,6vw,96px) 0 clamp(72px,8vw,120px)}
.hero-grid{
  display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(40px,6vw,88px);
  grid-template-areas:"head media" "rest media";align-items:start;
}
.hero-head{grid-area:head}
.hero-rest{grid-area:rest;align-self:start}
.hero-media{grid-area:media}
.hero h1{
  font-size:clamp(38px,4.9vw,64px);letter-spacing:-.015em;line-height:1.08;
  margin:26px 0 0;text-wrap:balance;
}
.lede{font-size:clamp(17px,1.5vw,19px);color:var(--ink-soft);max-width:560px;margin:26px 0 34px}
.cta-row{display:flex;flex-wrap:wrap;align-items:center;gap:16px;margin-bottom:22px}
.hero-tertiary{font-size:13px;color:var(--ink-soft)}
.hero-tertiary a{text-decoration:none;border-bottom:1px solid var(--hairline-dark);padding-bottom:2px}
.hero-tertiary a:hover{border-color:var(--ink)}
.cred-line{
  margin-top:34px;padding-top:18px;border-top:1px solid var(--hairline);
  font-size:10.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-soft);
}

/* the portrait plate — signature element */
.plate{
  position:relative;background:var(--card);padding:14px;border:1px solid var(--hairline-dark);
  box-shadow:0 1px 0 rgba(22,21,18,.05), 0 34px 60px -42px rgba(22,21,18,.35);
  max-width:400px;margin-left:auto;
}
.plate-media{position:relative;border:1px solid var(--hairline);background:#F1EFE9;height:0;padding-bottom:125%;overflow:hidden}
.plate-media img{position:absolute;top:0;left:0;width:100%;height:100%;object-fit:cover;filter:grayscale(1) contrast(1.05)}
.plate-fallback{display:none;position:absolute;top:0;left:0;width:100%;height:100%;align-items:center;justify-content:center;font-family:'Marcellus',serif;font-size:88px;color:var(--hairline-dark);letter-spacing:.04em}
.plate.img-missing .plate-media img{display:none}
.plate.img-missing .plate-fallback{display:flex}
.plate-plaque{
  position:absolute;top:-18px;left:-18px;width:58px;height:58px;background:var(--plate);color:var(--paper);
  display:flex;align-items:center;justify-content:center;font-family:'Marcellus',serif;font-size:21px;letter-spacing:.06em;
  box-shadow:0 0 0 7px var(--paper), inset 0 0 0 1px rgba(250,249,246,.28), inset 0 0 0 3px var(--plate), inset 0 0 0 4px rgba(250,249,246,.22);
}
.plate-caption{
  display:flex;justify-content:space-between;gap:16px;align-items:baseline;
  border-top:1px solid var(--hairline);margin-top:14px;padding-top:12px;
  font-size:10px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--ink-soft);
}
.plate-caption strong{color:var(--ink);font-weight:600}

/* ---------- trust strip ---------- */
.trust{border-top:1px solid var(--hairline);border-bottom:1px solid var(--hairline);background:var(--paper)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.trust-item{padding:34px 26px;border-left:1px solid var(--hairline);text-align:left}
.trust-item:first-child{border-left:none;padding-left:0}
.trust-item .serif{font-size:clamp(21px,2vw,26px);display:block;margin-bottom:6px}
.trust-item span{font-size:10.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-soft)}
.trust-item a{text-decoration:none}
.trust-item a:hover .serif{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:5px}
@media (max-width:820px){
  .trust-grid{grid-template-columns:1fr 1fr}
  .trust-item{padding:24px 20px}
  .trust-item:nth-child(odd){border-left:none;padding-left:0}
  .trust-item:nth-child(n+3){border-top:1px solid var(--hairline)}
}

/* ---------- programs ---------- */
.programs-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px}
.program{
  background:var(--card);border:1px solid var(--hairline);padding:36px 34px;
  transition:transform .22s ease,border-color .22s ease,box-shadow .22s ease;
  display:flex;flex-direction:column;
}
.program:hover{transform:translateY(-3px);border-color:var(--hairline-dark);box-shadow:0 26px 44px -36px rgba(22,21,18,.3)}
.program-meta{font-size:10px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--ink-soft);display:flex;align-items:center;gap:12px;margin-bottom:16px}
.program-meta::after{content:"";height:1px;background:var(--hairline);flex:1}
.program h3{font-size:23px;margin-bottom:12px}
.program p{font-size:15px;color:var(--ink-soft);flex:1}
.program .text-link{margin-top:20px;align-self:flex-start}
.program-featured{border-color:var(--ink);box-shadow:inset 0 3px 0 var(--ink)}
@media (max-width:760px){.programs-grid{grid-template-columns:1fr}}

/* ---------- calculators ---------- */
.calc-card{background:var(--card);border:1px solid var(--hairline-dark);padding:clamp(28px,4vw,52px);box-shadow:0 1px 0 rgba(22,21,18,.05), 0 34px 60px -46px rgba(22,21,18,.3)}
.tabs{display:flex;gap:32px;border-bottom:1px solid var(--hairline);margin-bottom:38px}
.tab{
  background:none;border:none;cursor:pointer;padding:0 2px 14px;color:var(--ink-soft);
  font-family:'Archivo',sans-serif;font-size:12px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;
  transition:color .15s;
}
.tab[aria-selected="true"]{color:var(--ink);box-shadow:inset 0 -2px 0 var(--ink)}
.tab:hover{color:var(--ink)}
.calc-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:clamp(32px,4.5vw,64px);align-items:start}
@media (max-width:860px){.calc-grid{grid-template-columns:1fr}}
.control{margin-bottom:26px}
.control:last-child{margin-bottom:0}
.control-head{display:flex;justify-content:space-between;align-items:baseline;gap:16px;margin-bottom:12px}
.control-head label{font-size:11px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-soft)}
.control-head output{font-family:'Marcellus',serif;font-size:19px;white-space:nowrap;font-variant-numeric:tabular-nums lining-nums}
.control-note{font-size:12px;color:var(--ink-soft);margin-top:8px}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:24px;background:transparent;cursor:pointer}
input[type=range]::-webkit-slider-runnable-track{height:1px;background:var(--hairline-dark)}
input[type=range]::-webkit-slider-thumb{
  -webkit-appearance:none;appearance:none;margin-top:-10.5px;width:22px;height:22px;border-radius:50%;
  background:var(--card);border:1.5px solid var(--ink);box-shadow:0 0 0 5px var(--card);
  transition:background .15s;
}
input[type=range]::-webkit-slider-thumb:hover{background:var(--ink)}
input[type=range]::-moz-range-track{height:1px;background:var(--hairline-dark)}
input[type=range]::-moz-range-thumb{
  width:19px;height:19px;border-radius:50%;background:var(--card);border:1.5px solid var(--ink);box-shadow:0 0 0 5px var(--card);
}
.term-toggle{display:flex;gap:0;border:1px solid var(--hairline-dark);width:max-content}
.term-toggle button{
  background:none;border:none;cursor:pointer;padding:11px 22px;
  font-family:'Archivo',sans-serif;font-size:11px;font-weight:600;letter-spacing:.15em;text-transform:uppercase;color:var(--ink-soft);
}
.term-toggle button + button{border-left:1px solid var(--hairline-dark)}
.term-toggle button[aria-pressed="true"]{background:var(--ink);color:var(--paper)}

/* the ledger — signature element */
.ledger{list-style:none}
.ledger li{display:flex;justify-content:space-between;align-items:baseline;gap:20px;padding:12px 0;border-bottom:1px solid var(--hairline)}
.ledger .l-label{font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-soft)}
.ledger .l-value{font-family:'Marcellus',serif;font-size:18px;text-align:right;font-variant-numeric:tabular-nums lining-nums}
.ledger .l-total{border-top:1px solid var(--ink);border-bottom:3px double var(--ink);padding:18px 0;margin-top:8px}
.ledger .l-total .l-label{color:var(--ink)}
.ledger .l-total .l-value{font-size:clamp(30px,3.4vw,40px);letter-spacing:-.01em}
.ledger .l-sub{border-bottom:none;padding-top:14px}
.ledger .l-sub .l-label,.ledger .l-sub .l-value{font-size:12px;color:var(--ink-soft);font-family:'Archivo',sans-serif;letter-spacing:.04em;text-transform:none;font-weight:400}
.disclaimer{font-size:12px;line-height:1.65;color:var(--ink-soft);margin-top:30px;padding-top:20px;border-top:1px solid var(--hairline);max-width:860px}

/* ---------- HELOC ---------- */
.heloc-intro{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-bottom:56px}
@media (max-width:860px){.heloc-intro{grid-template-columns:1fr}}
.faq-list{margin-top:56px;border-top:1px solid var(--hairline)}
.faq-list details{border-bottom:1px solid var(--hairline)}
.faq-list summary{
  cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:24px;
  padding:24px 2px;font-family:'Marcellus',serif;font-size:clamp(18px,1.8vw,21px);
}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{content:"+";font-family:'Marcellus',serif;font-size:26px;line-height:1;transition:transform .2s ease;flex:none;color:var(--ink-soft)}
.faq-list details[open] summary::after{transform:rotate(45deg)}
.faq-list details p{padding:0 2px 26px;color:var(--ink-soft);max-width:760px}

/* ---------- reviews ---------- */
.reviews-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;margin-bottom:40px}
@media (max-width:760px){.reviews-grid{grid-template-columns:1fr}}
.review{background:var(--card);border:1px solid var(--hairline);padding:40px 36px;position:relative}
.review::before{content:"\201C";position:absolute;top:14px;left:28px;font-family:'Marcellus',serif;font-size:84px;line-height:1;color:var(--hairline-dark)}
.review blockquote{font-family:'Marcellus',serif;font-size:clamp(19px,1.9vw,23px);line-height:1.4;margin:34px 0 24px}
.review cite{font-style:normal;font-size:10.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-soft)}
.review cite a{text-decoration:none;border-bottom:1px solid var(--hairline-dark);padding-bottom:2px}
.review cite a:hover{border-color:var(--ink)}
.reviews-foot{font-size:14px;color:var(--ink-soft)}
.reviews-foot a{text-decoration:none;border-bottom:1px solid var(--hairline-dark);padding-bottom:2px}
.reviews-foot a:hover{border-color:var(--ink)}

/* ---------- about ---------- */
.about-grid{display:grid;grid-template-columns:1fr;max-width:780px}
.about-grid p{color:var(--ink-soft);margin-bottom:22px}
.dropcap::first-letter{
  font-family:'Marcellus',serif;font-size:74px;line-height:.82;float:left;
  padding:8px 14px 0 0;color:var(--ink);
}
.pullquote{
  margin:clamp(56px,7vw,88px) auto 0;max-width:820px;text-align:center;
  border-top:1px solid var(--hairline);border-bottom:1px solid var(--hairline);
  padding:clamp(40px,5vw,60px) 20px;
}
.pullquote p{font-family:'Marcellus',serif;font-size:clamp(24px,3vw,34px);line-height:1.35;text-wrap:balance}
.pullquote footer{margin-top:18px;font-size:10.5px;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:var(--ink-soft)}

/* ---------- process ---------- */
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-left:1px solid var(--hairline)}
.step{border-right:1px solid var(--hairline);padding:8px 30px 8px 30px}
.step-num{font-family:'Marcellus',serif;font-size:15px;letter-spacing:.1em;color:var(--ink-soft);display:flex;align-items:center;gap:12px;margin-bottom:20px}
.step-num::after{content:"";height:1px;background:var(--hairline);flex:1}
.step h3{font-size:21px;margin-bottom:12px}
.step p{font-size:14.5px;color:var(--ink-soft)}
@media (max-width:960px){
  .process-grid{grid-template-columns:1fr 1fr;border-left:none}
  .step{border-right:none;border-top:1px solid var(--hairline);padding:28px 4px 20px}
}
@media (max-width:560px){.process-grid{grid-template-columns:1fr}}

/* ---------- contact ---------- */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,6vw,88px);align-items:start}
@media (max-width:860px){.contact-grid{grid-template-columns:1fr}}
.contact-grid h1,.contact-grid h2{font-size:clamp(32px,4vw,50px);letter-spacing:-.01em;margin:18px 0 20px;text-wrap:balance}
.contact-grid .lede{margin-bottom:32px}
.contact-ledger{list-style:none;border-top:1px solid var(--hairline)}
.contact-ledger li{display:grid;grid-template-columns:130px 1fr;gap:20px;padding:18px 0;border-bottom:1px solid var(--hairline);align-items:baseline}
.contact-ledger .l-label{font-size:10.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--ink-soft)}
.contact-ledger .l-value{font-family:'Marcellus',serif;font-size:19px}
.contact-ledger a{text-decoration:none}
.contact-ledger a:hover{text-decoration:underline;text-decoration-thickness:1px;text-underline-offset:5px}
.contact-note{font-size:13px;color:var(--ink-soft);margin-top:18px}

/* ---------- footer ---------- */
footer{border-top:3px solid var(--ink);background:var(--paper);padding:64px 0 46px}
.foot-top{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-start;gap:32px;margin-bottom:44px}
.foot-id{display:flex;align-items:center;gap:16px}
.foot-id .serif{font-size:20px;display:block}
.foot-id span{font-size:10.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-soft)}
.foot-links{display:flex;flex-wrap:wrap;gap:22px;list-style:none}
.foot-links a{font-size:10.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-soft);text-decoration:none}
.foot-links a:hover{color:var(--ink)}
.foot-legal{border-top:1px solid var(--hairline);padding-top:32px;font-size:12px;line-height:1.7;color:var(--ink-soft)}
.foot-legal p{margin-bottom:14px;max-width:920px}
.eho{display:flex;align-items:center;gap:12px;margin:22px 0 14px}
.eho svg{flex:none}
.foot-base{display:flex;flex-wrap:wrap;justify-content:space-between;gap:14px;margin-top:26px;padding-top:22px;border-top:1px solid var(--hairline);font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--ink-soft)}
.foot-base a{color:inherit}

/* ---------- motion ---------- */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .75s cubic-bezier(.2,.6,.2,1),transform .75s cubic-bezier(.2,.6,.2,1)}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion: reduce){
  html{scroll-behavior:auto}
  .reveal{opacity:1;transform:none;transition:none}
  .program,.btn{transition:none}
}

/* ---------- responsive hero ---------- */
section[id]{scroll-margin-top:calc(var(--nav-h) + 20px)}
@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;grid-template-areas:"head" "media" "rest";gap:30px}
  .plate{margin:0 auto;max-width:280px;padding:10px}
  .plate-media{padding-bottom:100%}
  .plate-media img{object-position:50% 22%}
  .plate-fallback{font-size:64px}
  .plate-plaque{width:46px;height:46px;top:-13px;left:-13px;font-size:17px}
  .plate-caption{padding-top:11px;font-size:10px}
  .hero h1{font-size:clamp(34px,8.4vw,46px)}
}

/* =========================================================
   v8 — colour layer: deep bay teal + brass, on warm paper
   ========================================================= */
::selection{background:var(--brand);color:var(--paper)}
.top-rule{height:4px;background:linear-gradient(var(--brand) 0 3px,var(--brass) 3px 4px)}
.kicker{color:var(--brand)}
.kicker::before{background:var(--brass);height:2px;width:36px}

/* buttons & links */
.btn{border-color:var(--brand);color:var(--brand)}
.btn:hover{background:var(--brand);color:var(--paper)}
.btn-primary{background:var(--brand);border-color:var(--brand);color:var(--paper)}
.btn-primary:hover{background:var(--brand-deep);border-color:var(--brand-deep);color:var(--paper)}
.btn:focus-visible,a:focus-visible,button:focus-visible,input:focus-visible,summary:focus-visible{outline-color:var(--brand)}
.text-link{color:var(--brand);border-color:var(--brass)}
.text-link:hover{border-color:var(--brand)}
.nav-links a:hover{color:var(--brand)}
.hero-tertiary a,.reviews-foot a,.review cite a{border-color:var(--brass)}

/* monogram, plaque & portrait */
.monogram,.plate-plaque{background:var(--brand-deep);color:var(--paper);
  box-shadow:inset 0 0 0 1px rgba(201,162,106,.55), inset 0 0 0 3px var(--brand-deep), inset 0 0 0 4px rgba(201,162,106,.4)}
.plate-plaque{box-shadow:0 0 0 7px var(--paper), inset 0 0 0 1px rgba(201,162,106,.55), inset 0 0 0 3px var(--brand-deep), inset 0 0 0 4px rgba(201,162,106,.4)}
.plate{border-color:var(--hairline-dark);box-shadow:0 1px 0 rgba(14,77,74,.06), 0 40px 70px -44px rgba(10,56,54,.45)}
.plate{border-bottom:6px solid var(--brand)}
.plate-caption strong{color:var(--brand)}
.hero{background:radial-gradient(1100px 520px at 88% 8%,var(--brand-tint) 0%,rgba(227,238,234,0) 62%)}
.cred-line{color:var(--ink-soft)}

/* trust strip — the one deep band near the top */
.trust{background:var(--brand-deep);border:none;color:var(--paper)}
.trust-item{border-left-color:rgba(247,245,240,.14)}
.trust-item .serif{color:var(--paper)}
.trust-item span:not(.serif){color:var(--brass-light)}
@media (max-width:820px){.trust-item:nth-child(n+3){border-top-color:rgba(247,245,240,.14)}}

/* programs */
.program{border-top:2px solid var(--hairline)}
.program:hover{border-color:var(--hairline-dark);border-top-color:var(--brand)}
.program-meta{color:var(--brass-text)}
.program h3{color:var(--brand-deep)}
.program-featured{border-color:var(--brand);border-top:3px solid var(--brand);box-shadow:none;background:linear-gradient(180deg,var(--brand-tint) 0,var(--card) 140px)}
.program-featured:hover{border-top-color:var(--brand)}

/* calculators */
#calculators{background:linear-gradient(180deg,var(--paper) 0,var(--brand-wash) 100%)}
.calc-card{border-color:var(--hairline-dark);border-top:3px solid var(--brand)}
.tabs{gap:28px;overflow-x:auto;overflow-y:hidden;scrollbar-width:none;-webkit-overflow-scrolling:touch;
  margin-left:-4px;margin-right:-4px;padding:0 4px;scroll-snap-type:x proximity;
  -webkit-mask-image:linear-gradient(90deg,#000 0,#000 calc(100% - 28px),transparent);mask-image:linear-gradient(90deg,#000 0,#000 calc(100% - 28px),transparent)}
.tabs::-webkit-scrollbar{display:none}
.tab{white-space:nowrap;flex:none;scroll-snap-align:start;padding-top:4px}
.tab:last-child{margin-right:28px}
.tab[aria-selected="true"]{color:var(--brand);box-shadow:inset 0 -2px 0 var(--brand)}
.tab:hover{color:var(--brand)}
.panel-lede{color:var(--ink-soft);font-size:15px;margin:-14px 0 30px;max-width:640px}
input[type=range]{--fill:50%}
input[type=range]::-webkit-slider-runnable-track{height:3px;border-radius:2px;
  background:linear-gradient(90deg,var(--brand) 0,var(--brand) var(--fill),var(--hairline-dark) var(--fill),var(--hairline-dark) 100%)}
input[type=range]::-webkit-slider-thumb{margin-top:-9.5px;border-color:var(--brand);border-width:2px}
input[type=range]::-webkit-slider-thumb:hover{background:var(--brand)}
input[type=range]::-moz-range-track{height:3px;background:var(--hairline-dark)}
input[type=range]::-moz-range-progress{height:3px;background:var(--brand)}
input[type=range]::-moz-range-thumb{border-color:var(--brand);border-width:2px}
.control-head output{color:var(--brand-deep)}
.term-toggle{border-color:var(--hairline-dark);flex-wrap:wrap;max-width:100%}
.term-toggle button[aria-pressed="true"]{background:var(--brand);color:var(--paper)}
.term-toggle button:hover:not([aria-pressed="true"]){color:var(--brand)}
.ledger .l-total{border-top-color:var(--brand);border-bottom-color:var(--brand)}
.ledger .l-total .l-label{color:var(--brand-deep)}
.ledger .l-total .l-value{color:var(--brand)}
.ledger .l-total-first{margin-top:0}
.ledger .l-sub .l-value{white-space:nowrap}
.calc-grid>*{min-width:0}
@media (max-width:860px){.calc-grid{grid-template-columns:minmax(0,1fr)}}
@media (max-width:480px){
  .calc-card{padding:24px 18px}
  .term-toggle button{padding:11px 14px}
  .ledger .l-value{font-size:16px}
  .control-head output{font-size:17px}
}

/* collapsible assumptions in calculators */
.assume{border:1px solid var(--hairline);background:var(--paper);margin-top:4px}
.assume summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px;padding:14px 16px;
  font-size:11px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink-soft)}
.assume summary::-webkit-details-marker{display:none}
.assume summary::after{content:"+";font-family:'Marcellus',serif;font-size:20px;line-height:1;color:var(--brand);flex:none;transition:transform .2s}
.assume[open] summary::after{transform:rotate(45deg)}
.assume-sum{margin-left:auto;font-family:'Archivo',sans-serif;font-size:12px;font-weight:500;letter-spacing:.02em;text-transform:none;color:var(--brand-deep);white-space:nowrap}
.assume .control{padding:4px 16px 0}
.assume .control:last-child{padding-bottom:18px}
@media (max-width:480px){.assume summary{flex-wrap:wrap}.assume-sum{margin-left:0;width:100%;order:3}}

/* home equity */
.faq-list summary::after{color:var(--brand)}
.faq-list details[open] summary{color:var(--brand-deep)}

/* reviews */
.review{border-top:3px solid var(--brass)}
.review::before{color:var(--brass);opacity:.75}

/* about */
.dropcap::first-letter{color:var(--brand)}
.pullquote{background:var(--brand-tint);border:none;border-left:3px solid var(--brass);border-right:3px solid var(--brass)}
.pullquote p{color:var(--brand-deep)}

/* process */
.step-num{color:var(--brass-text)}
.step-num::after{background:var(--brass);opacity:.5}
.step h3{color:var(--brand-deep)}

/* contact — deep closing band */
#contact{background:var(--brand-deep);color:var(--paper);border-top:none}
#contact .kicker{color:var(--brass-light)}
#contact .kicker::before{background:var(--brass)}
#contact h1,#contact h2{color:var(--paper)}
#contact .lede,#contact .contact-note{color:rgba(247,245,240,.78)}
#contact .btn{border-color:rgba(247,245,240,.7);color:var(--paper)}
#contact .btn:hover{background:var(--paper);color:var(--brand-deep);border-color:var(--paper)}
#contact .btn-primary{background:var(--brass);border-color:var(--brass);color:#1a1408}
#contact .btn-primary:hover{background:var(--brass-light);border-color:var(--brass-light);color:#1a1408}
#contact .contact-ledger{border-top-color:rgba(247,245,240,.18)}
#contact .contact-ledger li{border-bottom-color:rgba(247,245,240,.18)}
#contact .contact-ledger .l-label{color:var(--brass-light)}
#contact .contact-ledger .l-value{color:var(--paper)}
#contact a:focus-visible{outline-color:var(--brass-light)}

/* footer */
body>footer{border-top:4px solid var(--brass)}
.pullquote footer{border:none;background:none;padding:0}
.foot-links a:hover{color:var(--brand)}
.foot-legal a{color:var(--brand)}