/* =========================================================
   Secured Equity Title Pawn — Static Rebuild
   style.css — Clean Consolidated Version
   ========================================================= */

/* =========================
   GLOBAL RESET
========================= */
* {
  margin: 0;
  padding: 0;
  box-sizing: border-box;
}

html,
body {
  font-family: 'Montserrat', Arial, sans-serif;
  color: #1a1a1a;
  background: #ffffff;
  line-height: 1.6;
}

img {
  max-width: 100%;
  height: auto;
  display: block;
}

button,
input,
select,
textarea {
  font: inherit;
}

a {
  color: #02344a;
  text-decoration: none;
}

a:hover {
  color: #012739;
  text-decoration: underline;
}

/* =========================
   ACCESSIBILITY
========================= */
:focus {
  outline: none;
}

:focus-visible {
  outline: 3px solid rgba(153, 0, 0, 0.55);
  outline-offset: 3px;
}

a:focus-visible,
button:focus-visible,
summary:focus-visible,
input:focus-visible,
select:focus-visible {
  border-radius: 10px;
}

.visually-hidden {
  position: absolute !important;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  left: -9999px;
  top: 8px;
  background: #ffffff;
  padding: 8px 10px;
  border: 1px solid rgba(0, 0, 0, 0.2);
  border-radius: 8px;
  z-index: 9999;
}

.skip-link:focus {
  left: 12px;
}

/* =========================
   DESIGN TOKENS
========================= */
:root {
  --page-max: 1180px;
  --gutter: 24px;

  --section-y: clamp(56px, 5vw, 92px);
  --section-y-tight: clamp(40px, 4vw, 72px);

  --radius: 14px;
  --shadow-sm: 0 6px 18px rgba(0, 0, 0, 0.08);

  --text: #1a1a1a;
  --muted: rgba(26, 26, 26, 0.72);
  --muted-2: rgba(26, 26, 26, 0.58);

  --border: rgba(0, 0, 0, 0.1);
  --surface: #ffffff;
  --surface-2: #f7f8fa;

  --brand-red: #990000;
  --brand-blue: #02344a;

  --link: var(--brand-blue);
  --link-hover: #012739;
}

/* =========================
   GLOBAL LAYOUT
========================= */
.container {
  width: min(var(--page-max), calc(100% - (var(--gutter) * 2)));
  margin-inline: auto;
}

.section {
  padding-block: var(--section-y);
}

.section.section--tight {
  padding-block: var(--section-y-tight);
}

.section.section--alt {
  background: var(--surface-2);
}

.section + .section {
  border-top: 1px solid rgba(0, 0, 0, 0.04);
}

.section[id] {
  scroll-margin-top: 110px;
}

.site-main {
  min-height: 50vh;
}

/* =========================
   TYPOGRAPHY HELPERS
========================= */
.section-header {
  max-width: 820px;
  margin: 0 auto 28px;
  text-align: center;
}

.h2 {
  font-size: clamp(26px, 2.2vw, 38px);
  line-height: 1.15;
  margin: 0 0 10px;
  color: var(--text);
}

.h3 {
  font-size: clamp(18px, 1.5vw, 22px);
  line-height: 1.25;
  margin: 0 0 8px;
  color: var(--text);
}

.lede {
  font-size: clamp(16px, 1.2vw, 18px);
  line-height: 1.6;
  color: var(--muted);
  margin: 0;
}

.p {
  font-size: 16px;
  line-height: 1.65;
  color: var(--muted);
  margin: 0;
}

@media (max-width: 900px) {
  .section-header {
    text-align: left;
    margin-bottom: 18px;
  }
}

/* =========================
   HEADER
========================= */
.site-header {
  position: sticky;
  top: 0;
  z-index: 999;
  background: #ffffff;
  border-bottom: 1px solid rgba(0, 0, 0, 0.08);
}

.header-inner {
  max-width: 1200px;
  margin: 0 auto;
  padding: 14px 18px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}

.brand {
  display: inline-flex;
  align-items: center;
  text-decoration: none;
}

.brand-logo {
  height: 120px;
  width: auto;
  display: block;
}

/* Desktop nav */
.site-nav {
  display: flex;
  align-items: center;
  gap: 18px;
  flex-wrap: nowrap;
  white-space: nowrap;
}

.site-nav a,
.site-nav button {
  font-family: inherit;
  font-size: 16px;
  font-weight: 600;
  color: var(--brand-blue);
  background: none;
  border: 0;
  padding: 8px 6px;
  cursor: pointer;
  text-decoration: none;
}

.site-nav a:hover,
.site-nav button:hover {
  color: var(--brand-red);
  text-decoration: none;
}

/* Apply Now CTA */
.site-nav a.nav-cta,
.site-nav a.nav-cta:link,
.site-nav a.nav-cta:visited {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 10px 14px;
  border-radius: 8px;
  background: var(--brand-red);
  color: #ffffff !important;
  font-weight: 700;
  line-height: 1;
  text-decoration: none;
}

.site-nav a.nav-cta:hover,
.site-nav a.nav-cta:focus-visible {
  background: #7a0000;
  color: #ffffff !important;
  text-decoration: none;
}

/* Dropdown */
.nav-dropdown {
  position: relative;
}

.nav-dropbtn {
  display: inline-flex;
  align-items: center;
  gap: 6px;
}

.caret {
  font-size: 0.9em;
}

.nav-dropmenu {
  position: absolute;
  top: 100%;
  left: 0;
  margin-top: 8px;
  min-width: 260px;
  background: #ffffff;
  border: 1px solid rgba(0, 0, 0, 0.08);
  border-radius: 10px;
  padding: 10px;
  box-shadow: 0 10px 30px rgba(0, 0, 0, 0.1);
  display: none;
}

.nav-dropmenu::before {
  content: "";
  position: absolute;
  top: -10px;
  left: 0;
  width: 100%;
  height: 10px;
}

.nav-dropdown:hover .nav-dropmenu,
.nav-dropdown:focus-within .nav-dropmenu {
  display: block;
}

.nav-sublink {
  display: block;
  padding: 10px;
  border-radius: 8px;
  color: var(--brand-blue);
  text-decoration: none;
  font-weight: 600;
}

.nav-sublink:hover {
  background: rgba(2, 52, 74, 0.06);
  color: var(--brand-red);
  text-decoration: none;
}

/* Mobile nav */
.nav-toggle {
  display: none;
  font-size: 28px;
  background: none;
  border: 0;
  cursor: pointer;
  padding: 8px 10px;
}

.mobile-nav {
  max-width: 1200px;
  margin: 0 auto;
  padding: 12px 18px 18px;
  display: grid;
  gap: 10px;
  border-top: 1px solid rgba(0, 0, 0, 0.06);
}

.mobile-nav a {
  color: var(--brand-blue);
  text-decoration: none;
  font-weight: 700;
  padding: 10px;
  border-radius: 10px;
}

.mobile-nav a:hover {
  background: rgba(2, 52, 74, 0.06);
  color: var(--brand-red);
  text-decoration: none;
}

.mobile-cta {
  background: var(--brand-red);
  color: #ffffff !important;
  text-align: center;
}

.mobile-nav[hidden] {
  display: none !important;
}

@media (max-width: 980px) {
  .site-nav {
    display: none;
  }

  .nav-toggle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }

  .brand-logo {
    height: 80px;
  }
}

/* =========================
   HERO
========================= */
.hero {
  position: relative;
  width: 100%;
  min-height: 520px;
  overflow: hidden;
}

.hero > .hero-media {
  position: absolute;
  inset: 0;
  margin: 0;
}

.hero > .hero-media > img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center;
  display: block;
}

.hero-overlay {
  position: absolute;
  inset: 0;
  background: rgba(0, 0, 0, 0.35);
}

.hero-content {
  position: relative;
  z-index: 2;
  min-height: 520px;
  max-width: 1200px;
  margin: 0 auto;
  padding: 48px 24px;
  display: grid;
  grid-template-columns: 1fr 360px;
  gap: 32px;
  align-items: center;
}

.hero-content h1,
.hero-content p,
.hero-content .btn-primary {
  grid-column: 1;
  justify-self: center;
  text-align: center;
  color: #ffffff;
}

.hero-content h1 {
  margin: 0 0 14px;
  font-weight: 800;
  font-size: clamp(38px, 4.2vw, 58px);
  line-height: 1.05;
  max-width: 18ch;
}

.hero-content p {
  margin: 0 0 18px;
  font-size: 18px;
  max-width: 52ch;
}

.hero-estimator {
  grid-column: 2;
  justify-self: end;
  width: 360px;
  max-width: 100%;
  background: rgba(0, 0, 0, 0.55);
  color: #ffffff;
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 14px;
  padding: 18px 18px 14px;
  backdrop-filter: blur(6px);
}

.hero-estimator__title {
  font-weight: 800;
  font-size: 16px;
  margin-bottom: 10px;
}

.hero-estimator__label {
  display: block;
  font-size: 13px;
  font-weight: 700;
  margin: 10px 0 6px;
}

.hero-estimator__input {
  width: 100%;
  border-radius: 10px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: rgba(255, 255, 255, 0.08);
  color: #ffffff;
  padding: 10px 12px;
  outline: none;
}

.hero-estimator__input:focus {
  outline: 2px solid rgba(255, 255, 255, 0.3);
}

.hero-estimator__input option {
  color: #000000;
}

.hero-estimator__btn {
  width: 100%;
  margin-top: 12px;
  padding: 12px 14px;
  border: 0;
  border-radius: 10px;
  background: var(--brand-red);
  color: #ffffff;
  font-weight: 800;
  cursor: pointer;
}

.hero-estimator__btn:hover {
  filter: brightness(0.92);
}

.hero-estimator__result {
  margin-top: 12px;
  font-size: 14px;
}

.hero-estimator__fineprint {
  margin-top: 10px;
  font-size: 12px;
  opacity: 0.9;
  line-height: 1.35;
}

@media (max-width: 900px) {
  .hero,
  .hero-content {
    min-height: 420px;
  }

  .hero-content {
    grid-template-columns: 1fr;
    justify-items: center;
    text-align: center;
    padding: 40px 18px;
  }

  .hero-estimator {
    grid-column: 1;
    justify-self: center;
    width: min(420px, 100%);
    margin-top: 18px;
  }

  .hero-content h1 {
    max-width: 22ch;
  }
}

/* =========================
   BUTTONS
========================= */
.btn,
.btn-primary,
.btn-secondary,
.btn--primary,
.btn--secondary {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 10px;
  font-weight: 600;
  text-decoration: none;
  cursor: pointer;
  transition: transform 0.12s ease, box-shadow 0.12s ease, background 0.12s ease, border-color 0.12s ease;
}

.btn,
.btn--primary,
.btn--secondary {
  padding: 12px 18px;
  border-radius: 999px;
  border: 1px solid transparent;
}

.btn:active,
.btn-primary:active,
.btn-secondary:active,
.btn--primary:active,
.btn--secondary:active {
  transform: translateY(1px);
}

.btn-primary,
.btn.btn-primary,
.btn--primary {
  padding: 14px 28px;
  background: var(--brand-red);
  color: #ffffff;
  border-radius: 6px;
}

.btn-primary:hover,
.btn.btn-primary:hover,
.btn--primary:hover {
  background: #7a0000;
  color: #ffffff;
  text-decoration: none;
  box-shadow: 0 10px 22px rgba(153, 0, 0, 0.2);
}

.btn-secondary,
.btn.btn-secondary,
.btn--secondary {
  background: transparent;
  border: 1px solid rgba(2, 52, 74, 0.3);
  color: var(--brand-blue);
}

.btn-secondary:hover,
.btn.btn-secondary:hover,
.btn--secondary:hover {
  text-decoration: none;
  border-color: rgba(2, 52, 74, 0.55);
  box-shadow: 0 10px 22px rgba(2, 52, 74, 0.1);
}

@media (max-width: 520px) {
  .btn,
  .btn-primary,
  .btn-secondary,
  .btn--primary,
  .btn--secondary {
    width: 100%;
  }
}

/* =========================
   GRIDS + CARDS
========================= */
.grid-2 {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: clamp(18px, 3vw, 36px);
  align-items: start;
}

.grid-3 {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: clamp(14px, 2.4vw, 26px);
}

@media (max-width: 900px) {
  .grid-2,
  .grid-3 {
    grid-template-columns: 1fr;
  }
}

.card {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  padding: clamp(16px, 2.2vw, 22px);
}

.card.card--flat {
  box-shadow: none;
  background: transparent;
}

.bullets {
  display: grid;
  gap: 12px;
  padding: 0;
  margin: 14px 0 0;
  list-style: none;
}

.bullets li {
  display: grid;
  grid-template-columns: 18px 1fr;
  gap: 10px;
  align-items: start;
  color: var(--muted);
  line-height: 1.6;
}

.bullets li::before {
  content: "";
  width: 10px;
  height: 10px;
  margin-top: 6px;
  border-radius: 999px;
  background: var(--brand-red);
}

.divider {
  height: 1px;
  background: rgba(0, 0, 0, 0.08);
  margin: 22px 0;
}

/* =========================
   FAQ
========================= */
.faq {
  max-width: 920px;
  margin: 0 auto;
  display: grid;
  gap: 12px;
}

.faq-item {
  border: 1px solid var(--border);
  border-radius: var(--radius);
  background: var(--surface);
  box-shadow: var(--shadow-sm);
  overflow: hidden;
}

.faq-q {
  list-style: none;
  cursor: pointer;
  padding: 16px 18px;
  font-weight: 700;
  color: var(--text);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.faq-q::-webkit-details-marker {
  display: none;
}

.faq-q::after {
  content: "+";
  font-weight: 800;
  color: var(--brand-blue);
  flex: 0 0 auto;
}

.faq-item[open] .faq-q::after {
  content: "–";
}

.faq-a {
  padding: 0 18px 18px;
}

/* =========================
   BREADCRUMBS
========================= */
.breadcrumbs {
  padding: 14px 0;
}

.breadcrumbs-list {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  gap: 10px;
  align-items: center;
  flex-wrap: wrap;
}

.breadcrumbs-list li {
  font-size: 14px;
  color: var(--muted);
}

.breadcrumbs-list li a {
  color: var(--brand-blue);
  text-decoration: none;
}

.breadcrumbs-list li a:hover {
  text-decoration: underline;
}

.breadcrumbs-list li + li::before {
  content: "›";
  opacity: 0.6;
  margin-right: 10px;
}

/* =========================
   CTA BAND
========================= */
.cta-band {
  background: linear-gradient(180deg, #0e4b5d 0%, #0d4353 100%);
  padding: clamp(70px, 8vw, 110px) 0;
  position: relative;
}

.cta-band::after {
  content: "";
  position: absolute;
  bottom: 0;
  left: 0;
  width: 100%;
  height: 1px;
  background: rgba(255, 255, 255, 0.12);
}

.cta-inner {
  background: rgba(255, 255, 255, 0.06);
  backdrop-filter: blur(4px);
  border: 1px solid rgba(255, 255, 255, 0.18);
  border-radius: 18px;
  padding: clamp(28px, 4vw, 42px);
  box-shadow: 0 30px 60px rgba(0, 0, 0, 0.35);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.cta-band .h2 {
  color: #ffffff;
}

.cta-band .lede {
  color: rgba(255, 255, 255, 0.85);
}

.cta-band .btn--secondary {
  border-color: rgba(255, 255, 255, 0.35);
  color: #ffffff;
}

.cta-band .btn--secondary:hover {
  border-color: rgba(255, 255, 255, 0.65);
  box-shadow: 0 12px 24px rgba(0, 0, 0, 0.25);
}

@media (max-width: 900px) {
  .cta-inner {
    flex-direction: column;
    align-items: flex-start;
  }
}

/* =========================
   FINAL CTA
========================= */
.section-final-cta {
  text-align: center;
}

.section-final-cta .cta-box {
  max-width: 760px;
  margin: 0 auto;
  padding: 40px 32px;
  background: #ffffff;
  border-radius: 18px;
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.08);
}

.section-final-cta h2 {
  margin-top: 0;
  margin-bottom: 12px;
}

.section-final-cta p {
  margin-bottom: 22px;
}

.section-final-cta .cta-actions {
  display: flex;
  justify-content: center;
  gap: 16px;
  flex-wrap: wrap;
}

/* =========================
   FOOTER
========================= */
.site-footer {
  background: #0b3b4a;
  color: rgba(255, 255, 255, 0.88);
  padding: 64px 0 38px;
  position: relative;
}

.site-footer .container {
  width: min(1200px, calc(100% - 48px));
  margin-inline: auto;
}

.site-footer ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer-top {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr 0.9fr;
  gap: 28px;
  align-items: start;
  margin-bottom: 28px;
}

.footer-logo img {
  display: block;
  height: auto;
  max-width: 220px;
}

.footer-title {
  margin-top: 14px;
  font-weight: 900;
  letter-spacing: 0.02em;
  text-transform: uppercase;
  color: #ffffff;
}

.footer-subtitle {
  margin-top: 6px;
  color: rgba(255, 255, 255, 0.72);
  font-weight: 600;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  font-size: 12px;
}

.footer-hours {
  margin-top: 18px;
  border-top: 1px solid rgba(255, 255, 255, 0.16);
  padding-top: 14px;
  max-width: 320px;
}

.footer-hours-title {
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 12px;
  margin-bottom: 10px;
  color: rgba(255, 255, 255, 0.78);
}

.footer-hours-row {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  font-size: 14px;
  color: rgba(255, 255, 255, 0.78);
  padding: 6px 0;
  border-bottom: 1px dashed rgba(255, 255, 255, 0.1);
}

.footer-col-title {
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 12px;
  margin-bottom: 14px;
  color: #ffffff;
}

.footer-nav {
  display: grid;
  gap: 10px;
}

.footer-nav a {
  color: rgba(255, 255, 255, 0.78);
  text-decoration: none;
}

.footer-nav a:hover {
  color: #ffffff;
  text-decoration: underline;
}

.footer-mini-note {
  margin-top: 16px;
  color: rgba(255, 255, 255, 0.7);
  font-size: 12px;
  line-height: 1.5;
  text-transform: uppercase;
  letter-spacing: 0.06em;
}

.footer-cta .footer-apply {
  width: 200px;
  justify-content: center;
  margin-bottom: 14px;
}

.footer-social {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

.social-btn {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: #990000;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  border: 1px solid rgba(255, 255, 255, 0.14);
  box-shadow: 0 10px 22px rgba(0, 0, 0, 0.18);
  transition: transform 0.12s ease, box-shadow 0.12s ease, filter 0.12s ease;
  text-decoration: none;
}

.social-btn svg {
  width: 20px;
  height: 20px;
  fill: #ffffff;
}

.social-btn:hover {
  transform: translateY(-1px);
  filter: brightness(1.06);
}

.footer-disclosure {
  border-top: 1px solid rgba(255, 255, 255, 0.16);
  padding-top: 18px;
  margin-top: 10px;
  text-align: center;
}

.footer-disclosure-title {
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  font-size: 12px;
  margin-bottom: 10px;
  color: #ffffff;
}

.footer-disclosure p {
  margin: 10px auto 0;
  max-width: 980px;
  font-size: 12px;
  line-height: 1.7;
  color: rgba(255, 255, 255, 0.74);
}

.footer-mla {
  margin: 18px auto 0;
  max-width: 980px;
  padding: 14px 16px;
  border-radius: 12px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  background: rgba(0, 0, 0, 0.12);
  text-align: center;
}

.footer-mla-title {
  font-weight: 900;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  font-size: 12px;
  margin-bottom: 8px;
  color: #ffdd77;
}

.footer-bottom {
  margin-top: 22px;
  padding-top: 16px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  display: flex;
  gap: 14px;
  justify-content: space-between;
  flex-wrap: wrap;
  align-items: center;
}

.footer-bottom a {
  color: rgba(255, 255, 255, 0.74);
  text-decoration: none;
  font-size: 13px;
}

.footer-bottom a:hover {
  color: #ffffff;
  text-decoration: underline;
}

.footer-dot {
  color: rgba(255, 255, 255, 0.38);
  margin: 0 8px;
}

.footer-bottom-right {
  color: rgba(255, 255, 255, 0.62);
  font-size: 13px;
}

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

  .footer-disclosure,
  .footer-mla {
    text-align: left;
  }
}

/* =========================
   BACK TO TOP
========================= */
.back-to-top {
  position: fixed;
  right: 18px;
  bottom: 18px;
  width: 44px;
  height: 44px;
  border-radius: 999px;
  border: 1px solid rgba(255, 255, 255, 0.22);
  background: rgba(153, 0, 0, 0.95);
  color: #ffffff;
  font-weight: 900;
  cursor: pointer;
  opacity: 0;
  pointer-events: none;
  transform: translateY(10px);
  box-shadow: 0 10px 22px rgba(0, 0, 0, 0.22);
  transition: opacity 0.16s ease, transform 0.16s ease, filter 0.16s ease;
}

.back-to-top.show {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
  animation: pulseUp 1.6s ease-in-out infinite;
}

.back-to-top:hover {
  filter: brightness(1.08);
  animation: none;
}

@keyframes pulseUp {
  0%,
  100% {
    transform: translateY(0);
    box-shadow: 0 10px 22px rgba(0, 0, 0, 0.22);
  }
  50% {
    transform: translateY(-3px);
    box-shadow: 0 14px 26px rgba(0, 0, 0, 0.28);
  }
}

/* =========================
   ARTICLES
========================= */
.articles-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
}

.article-card {
  display: grid;
  grid-template-columns: minmax(280px, 420px) 1fr;
  gap: 24px;
  align-items: stretch;
  background: #ffffff;
  border: 1px solid var(--border);
  border-radius: 18px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.article-card__image-link {
  display: block;
  height: 100%;
}

.article-card__image {
  width: 100%;
  height: 100%;
  min-height: 260px;
  object-fit: cover;
}

.article-card__body {
  padding: 24px;
  display: flex;
  flex-direction: column;
  justify-content: center;
}

.article-card__eyebrow,
.article-meta {
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--brand-red);
  margin-bottom: 10px;
}

.article-card__title {
  font-size: clamp(24px, 2.2vw, 34px);
  line-height: 1.15;
  margin-bottom: 12px;
}

.article-card__title a {
  color: var(--text);
  text-decoration: none;
}

.article-card__title a:hover {
  color: var(--brand-blue);
  text-decoration: none;
}

.article-card__excerpt {
  color: var(--muted);
  margin-bottom: 18px;
}

.article-hero {
  padding: 34px 0 20px;
}

.article-hero__grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 32px;
  align-items: center;
}

.article-hero__content h1 {
  font-size: clamp(34px, 4vw, 56px);
  line-height: 1.05;
  margin-bottom: 12px;
  color: var(--text);
}

.article-date {
  font-size: 14px;
  color: var(--muted-2);
  margin-bottom: 14px;
}

.article-hero__intro {
  font-size: 18px;
  line-height: 1.7;
  color: var(--muted);
}

.article-hero__media img {
  width: 100%;
  border-radius: 18px;
  box-shadow: var(--shadow-sm);
}

.article-layout {
  display: grid;
  grid-template-columns: 280px minmax(0, 1fr);
  gap: 32px;
  align-items: start;
}

.article-toc {
  position: sticky;
  top: 110px;
}

.article-toc__title {
  font-weight: 800;
  margin-bottom: 12px;
  color: var(--text);
}

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

.article-toc__list a {
  color: var(--brand-blue);
  text-decoration: none;
  font-weight: 600;
}

.article-toc__list a:hover {
  color: var(--brand-red);
  text-decoration: none;
}

.article-content {
  min-width: 0;
}

.article-content section + section {
  margin-top: 34px;
}

.article-content h2 {
  font-size: clamp(28px, 2.2vw, 38px);
  line-height: 1.15;
  margin-bottom: 14px;
  color: var(--text);
}

.article-content h3 {
  font-size: clamp(20px, 1.5vw, 24px);
  line-height: 1.25;
  margin: 20px 0 10px;
  color: var(--text);
}

.article-content p,
.article-content li {
  font-size: 17px;
  line-height: 1.75;
  color: var(--muted);
}

.article-content p + p {
  margin-top: 14px;
}

.article-content ul,
.article-content ol {
  margin: 14px 0 0 22px;
}

.article-content li + li {
  margin-top: 8px;
}

.article-callout {
  background: var(--surface-2);
  border: 1px solid var(--border);
  border-radius: 16px;
  padding: 20px 22px;
  margin: 18px 0;
}

.article-steps {
  margin: 0;
  padding-left: 20px;
}

.article-cta {
  margin-top: 22px;
  border-radius: 18px;
}

.article-cta h3 {
  margin-top: 0;
}

.article-cta__actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 18px;
}

.article-resource {
  margin-top: 20px;
  font-size: 15px;
}

@media (max-width: 980px) {
  .article-hero__grid,
  .article-layout,
  .article-card {
    grid-template-columns: 1fr;
  }

  .article-toc {
    position: static;
  }

  .article-card__image {
    min-height: 220px;
  }
}
/* =========================
   MY ACCOUNT PAGE
========================= */
.container--narrow {
  width: min(760px, calc(100% - 48px));
  margin-inline: auto;
}

.account-card {
  text-align: center;
  padding: clamp(28px, 4vw, 42px);
  border-radius: 18px;
}

.account-card h2 {
  margin: 0 0 14px;
  font-size: clamp(30px, 3vw, 44px);
  line-height: 1.1;
  color: var(--text);
}

.account-lede {
  max-width: 680px;
  margin: 0 auto 24px;
  font-size: 18px;
  line-height: 1.75;
  color: var(--muted);
}

.account-actions {
  display: flex;
  flex-direction: column;
  gap: 14px;
  align-items: center;
  margin-top: 18px;
}

.account-btn {
  min-width: 290px;
}

.account-links {
  display: grid;
  gap: 12px;
  margin-top: 24px;
}

.account-links a {
  color: var(--brand-blue);
  font-weight: 600;
  text-decoration: underline;
}

.account-links a:hover {
  color: var(--brand-red);
}

.account-note {
  margin-top: 28px;
  padding-top: 18px;
  border-top: 1px solid var(--border);
}

.account-note p {
  margin: 0;
  font-size: 14px;
  line-height: 1.7;
  color: var(--muted);
}

@media (max-width: 640px) {
  .account-btn {
    width: 100%;
    min-width: 0;
  }
}
.page-hero__media img{
  width:100%;
  height:auto;
  border-radius:16px;
  box-shadow:0 20px 40px rgba(0,0,0,.12);
}
/* =========================
   CONTACT PAGE HERO
========================= */
.contact-hero {
  padding: 34px 0 20px;
}

.contact-hero__grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 32px;
  align-items: center;
}

.contact-hero__content h1 {
  font-size: clamp(34px, 4vw, 56px);
  line-height: 1.05;
  margin-bottom: 14px;
  color: var(--text);
}

.contact-hero__content .page-intro {
  font-size: 18px;
  line-height: 1.7;
  color: var(--muted);
  max-width: 58ch;
}

.contact-hero__actions {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 20px;
}

.contact-hero__media img {
  width: 100%;
  height: auto;
  border-radius: 18px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.12);
}

.hero-highlights {
  list-style: none;
  display: grid;
  gap: 10px;
  margin: 22px 0 0;
  padding: 0;
}

.hero-highlights li {
  display: grid;
  grid-template-columns: 16px 1fr;
  gap: 10px;
  align-items: start;
  color: var(--muted);
  line-height: 1.6;
}

.hero-highlights li::before {
  content: "";
  width: 10px;
  height: 10px;
  margin-top: 7px;
  border-radius: 999px;
  background: var(--brand-red);
}

@media (max-width: 980px) {
  .contact-hero__grid {
    grid-template-columns: 1fr;
  }
}
/* =========================
   APPLY NOW PAGE
========================= */
.application-card {
  padding: clamp(22px, 3vw, 32px);
  border-radius: 18px;
}

.application-intro {
  margin: 10px 0 18px;
  color: var(--muted);
  line-height: 1.7;
}

.application-frame-wrap {
  width: 100%;
  border-radius: 16px;
  overflow: hidden;
  background: #ffffff;
}

.application-frame-wrap iframe {
  display: block;
}
/* =========================
   APPLICATION TIP BOX
========================= */

.application-tip {
  margin-bottom: 28px;
  text-align: center;
}

.application-tip-highlight {
  margin-top: 8px;
  font-weight: 600;
  color: var(--brand-red);
}

/* subtle pulse highlight */
.application-tip {
  animation: tipPulse 3s infinite;
}

@keyframes tipPulse {
  0% { box-shadow: 0 0 0 0 rgba(2,52,74,0.18); }
  70% { box-shadow: 0 0 0 14px rgba(2,52,74,0); }
  100% { box-shadow: 0 0 0 0 rgba(2,52,74,0); }
}
/* =========================
   ABOUT PAGE
========================= */
.hero-about {
  padding: 34px 0 20px;
  min-height: auto;
  overflow: visible;
  background: transparent;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.05fr 0.95fr;
  gap: 32px;
  align-items: center;
}

.hero-copy h1 {
  font-size: clamp(34px, 4vw, 56px);
  line-height: 1.05;
  margin-bottom: 14px;
  color: var(--text);
}

.hero-copy .lead {
  font-size: 18px;
  line-height: 1.7;
  color: var(--muted);
  max-width: 58ch;
}

.hero-cta {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: 20px;
}

.hero-about .hero-media {
  position: relative;
  inset: auto;
  margin: 0;
}

.hero-about .hero-media figure {
  margin: 0;
}

.hero-about .hero-media img {
  width: 100%;
  height: auto;
  border-radius: 18px;
  box-shadow: 0 20px 40px rgba(0, 0, 0, 0.12);
}

.section-about .panel,
.section--alt .panel {
  background: var(--surface);
  border: 1px solid var(--border);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  padding: clamp(18px, 2.2vw, 24px);
}

.section-about .panel h3,
.section--alt .panel h3 {
  margin-top: 0;
  margin-bottom: 12px;
  color: var(--text);
}

.section-about .panel ul,
.section--alt .panel ul {
  margin: 0;
  padding-left: 20px;
  color: var(--muted);
}

.section-about .panel li,
.section--alt .panel li {
  line-height: 1.7;
}

.section-about .panel li + li,
.section--alt .panel li + li {
  margin-top: 8px;
}

@media (max-width: 980px) {
  .hero-grid {
    grid-template-columns: 1fr;
  }
}
.article-hub-intro__content {
  max-width: 60rem;
}

.article-hub-intro__content h2 {
  margin-bottom: 1rem;
}

.article-hub-intro__content p + p {
  margin-top: 1rem;
}

.article-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  margin-top: 1.5rem;
}

.article-hub-supporting-links .card {
  padding: 2rem;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.2fr 1fr;
  gap: 40px;
  align-items: center;
}

.hero-media img {
  width: 100%;
  height: auto;
  border-radius: 10px;
}

@media (max-width: 900px) {
  .hero-grid {
    grid-template-columns: 1fr;
  }
}
.hero-faqs {
  padding: 3rem 0 2rem;
}

.hero-faqs__grid {
  display: grid;
  grid-template-columns: minmax(0, 1.15fr) minmax(320px, 0.85fr);
  gap: 2rem;
  align-items: center;
}

.hero-faqs__content h1 {
  margin-bottom: 1rem;
}

.hero-faqs__content .lead {
  margin-bottom: 1rem;
  max-width: 52rem;
}

.hero-faqs__supporting-copy {
  margin-bottom: 1.5rem;
  max-width: 52rem;
}

.hero-faqs__media img {
  display: block;
  width: 100%;
  height: auto;
  border-radius: 16px;
}

.faq-page-cta {
  margin-top: 1.5rem;
}

@media (max-width: 900px) {
  .hero-faqs__grid {
    grid-template-columns: 1fr;
  }

  .hero-faqs__media {
    order: 2;
  }

  .hero-faqs__content {
    order: 1;
  }
}