/* =========================================================
   CENTRAL POINT FUNDING — forked from eliterfs-template
   Palette: navy + warm sand (maritime, trustworthy)
   ========================================================= */
:root {
  /* Colors */
  --c-primary: #1e3a5f;       /* deep navy — brand */
  --c-primary-ink: #142942;   /* darker navy for hover */
  --c-accent:  #c8a975;       /* warm sand/rope */
  --c-accent-ink: #a8875a;
  --c-dark:    #1a2332;       /* body text */
  --c-light:   #ffffff;
  --c-bg:      #f5f1ea;       /* cream section bg */
  --c-bg-soft: #f9f6f0;
  --c-neutral: #d4d9df;
  --c-muted:   #6b7280;
  --c-ink-2:   #4b5563;

  /* Type */
  --ff-head: "Kumbh Sans", Arial, Helvetica, sans-serif;
  --ff-body: "Mulish", Arial, Helvetica, sans-serif;
  --fs-base: 17px;

  /* Layout */
  --site-w: 1280px;
  --pad-y:    72px;
  --pad-y-lg: 120px;   /* editorial rhythm — alternate on feature sections */
  --radius: 10px;
  --shadow-soft: 0 10px 30px rgba(30,58,95,.08);
  --shadow-card: 0 14px 40px rgba(30,58,95,.14);
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: var(--ff-body);
  font-size: var(--fs-base);
  line-height: 1.6;
  color: var(--c-dark);
  background: var(--c-light);
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, h4, h5 {
  font-family: var(--ff-head);
  font-weight: 700;
  color: var(--c-dark);
  margin: 0 0 .5em;
  line-height: 1.2;
}
h1 { font-size: clamp(2.2rem, 4.5vw, 3.4rem); }
h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); }
h3 { font-size: 1.5rem; }
h4 { font-size: 1.15rem; }
p  { margin: 0 0 1em; }

/* Typography: avoid awkward line breaks in long text.
   - balance: distributes lines evenly so short text doesn't end in a dangling word.
   - pretty: prevents orphan words on the last line of long paragraphs.
   Both are progressively-enhanced (modern browsers; older ones ignore). */
h1, h2, h3, h4, h5,
.section-sub, .lede, .hero-headline,
.feature p, .service-body p, .feature h3, .feature h4,
.faq-item summary, .process-step h4, .process-step p,
.dealer-band p, .phone-label, .apply-modal__sub {
  text-wrap: balance;
}
p, li, .info-meta {
  text-wrap: pretty;
}
/* Things that should never wrap mid-token: phone numbers, hours, email. */
/* Things that should never wrap mid-token: phone numbers, email, the hero-
   headline accent, and anything explicitly marked with .nowrap. Note: long
   info-meta lines (e.g. "California · Serving buyers and dealers nationwide")
   are intentionally allowed to wrap — forcing nowrap on them blew up the
   contact-grid track width on mobile. */
.utility-link,
.footer-phone,
.info-row a[href^="tel:"],
.info-row a[href^="mailto:"],
.phone-band h3 a,
.phone-label,
.nowrap {
  white-space: nowrap;
}
a  { color: var(--c-primary); text-decoration: none; transition: color .2s ease; }
a:hover { color: var(--c-primary-ink); }
img { max-width: 100%; display: block; }

.container {
  width: 100%;
  max-width: var(--site-w);
  margin: 0 auto;
  padding: 0 24px;
}

.eyebrow {
  font-family: var(--ff-head);
  text-transform: uppercase;
  letter-spacing: .18em;
  font-size: .78rem;
  color: var(--c-primary);
  margin: 0 0 .75rem;
}
.eyebrow.center { text-align: center; }

.section-head {
  text-align: center;
  max-width: 760px;
  margin: 0 auto 48px;
}
.section-sub { color: var(--c-ink-2); }

/* ---------- Buttons (sentence case, modern type) ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  gap: .5rem;
  padding: 14px 26px;
  border-radius: 999px;
  font-family: var(--ff-head);
  font-weight: 600;
  font-size: .95rem;
  letter-spacing: 0;
  text-transform: none;
  border: 2px solid transparent;
  cursor: pointer;
  transition: background .2s ease, color .2s ease, transform .2s ease, box-shadow .2s ease;
  white-space: nowrap;
}
.btn:focus-visible { outline: 3px solid var(--c-accent); outline-offset: 3px; }
.btn-primary { background: var(--c-primary); color: var(--c-light); }
.btn-primary:hover { background: var(--c-primary-ink); color: var(--c-light); }
.btn-accent { background: var(--c-accent); color: var(--c-dark); }
.btn-accent:hover { background: var(--c-accent-ink); color: var(--c-light); }
.btn-dark { background: var(--c-dark); color: var(--c-light); }
.btn-dark:hover { background: #000; color: var(--c-light); }
.btn-ghost {
  background: transparent;
  color: var(--c-light);
  border-color: var(--c-light);
}
.btn-ghost:hover { background: var(--c-light); color: var(--c-primary); }

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  font-weight: 700;
  color: var(--c-primary);
  text-transform: none;
  letter-spacing: 0;
  font-size: .95rem;
  transition: gap .2s ease, color .2s ease;
}
.link-arrow:hover { color: var(--c-primary-ink); gap: .7rem; }

/* ---------- Utility bar ---------- */
.utility-bar {
  background: var(--c-dark);
  color: var(--c-light);
  font-size: .82rem;
  /* Sticky to the top of the viewport — keeps phone + Apply now visible
     while scrolling. site-header is offset by --utility-h below so they stack. */
  position: sticky;
  top: 0;
  z-index: 51;
}
.utility-inner {
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 24px;
  padding: 8px 24px;
}
.utility-left, .utility-right { display: flex; gap: 18px; align-items: center; }
/* Utility links: small text visually, but padding extends the tap area to ~36px tall */
.utility-link {
  color: var(--c-light);
  opacity: .85;
  display: inline-flex;
  gap: 6px;
  align-items: center;
  padding: 8px 4px;
  margin: -8px -4px;
}
.utility-link:hover { opacity: 1; color: var(--c-accent); }

/* ---------- Header ---------- */
.site-header {
  position: sticky;
  /* Sit just below the sticky utility-bar so they stack correctly. */
  top: var(--utility-h, 37px);
  z-index: 50;
  background: var(--c-light);
  box-shadow: 0 2px 6px rgba(0,0,0,.04);
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 6px 24px;
}
.logo { display: inline-block; line-height: 0; }
.logo-img {
  height: 96px;
  width: auto;
  display: block;
}
.logo-img-footer {
  height: 44px;
  filter: brightness(0) invert(1);
  opacity: .95;
  margin-bottom: 8px;
}
.logo-wordmark {
  font-family: var(--ff-head);
  font-weight: 700;
  font-size: 1.25rem;
  letter-spacing: .02em;
  color: var(--c-primary);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.logo-wordmark .dot {
  width: 12px;
  height: 12px;
  border-radius: 50%;
  background: var(--c-accent);
  display: inline-block;
}

.main-nav .menu {
  list-style: none;
  display: flex;
  gap: 28px;
  margin: 0;
  padding: 0;
}
.main-nav a {
  color: var(--c-dark);
  font-weight: 600;
  font-size: .95rem;
  /* Bigger tap area without changing visual layout (nav has flex gap handling spacing) */
  padding: 14px 4px;
  display: inline-block;
}
.main-nav a:hover,
.main-nav a.active { color: var(--c-primary); }

/* ---------- Hero ---------- */
.hero {
  position: relative;
  min-height: 600px;
  display: flex;
  align-items: flex-start;
  color: var(--c-light);
  overflow: hidden;
  background: #0d1b2e url("assets/hero-water.jpg") center/cover no-repeat;
}
.hero-video {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  z-index: 0;
  pointer-events: none;
}
/* Respect users' reduced-motion preference — hide autoplay video */
@media (prefers-reduced-motion: reduce) {
  .hero-video { display: none; }
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    linear-gradient(135deg, rgba(13,27,46,.75) 0%, rgba(30,58,95,.45) 55%, rgba(13,27,46,.7) 100%);
  z-index: 1;
}
/* Soft fade into the next section — kills the hard horizontal edge */
.hero::after {
  content: "";
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  height: 90px;
  background: linear-gradient(
    to bottom,
    rgba(255,255,255,0) 0%,
    rgba(255,255,255,.4) 70%,
    #ffffff 100%
  );
  z-index: 2;
  pointer-events: none;
}
.hero-content {
  position: relative;
  z-index: 3;
  max-width: 880px;
  padding: 96px 24px 120px;
}
.hero h1 { color: var(--c-light); }
.hero-sub {
  font-size: 1.15rem;
  opacity: .92;
  max-width: 600px;
  margin-top: 18px;
}
/* Margin roughly matches where the (now-deleted) hero subheading used to sit.
   Scales with viewport height so the gap stays proportionate on short laptop
   screens vs. tall desktop monitors. */
.hero-ctas {
  display: flex;
  gap: 14px;
  flex-wrap: wrap;
  margin-top: clamp(72px, 9vh, 110px);
}

.hero-headline {
  font-family: var(--ff-head);
  font-weight: 700;
  font-size: clamp(2.2rem, 4.8vw, 3.6rem);
  line-height: 1.1;
  color: var(--c-light);
  margin: 0;
  max-width: 780px;
  letter-spacing: -.01em;
}
.hero-accent { color: var(--c-accent); }

/* ---------- Page banner (inner pages) ---------- */
.page-banner {
  background: linear-gradient(135deg, var(--c-primary), var(--c-primary-ink));
  color: var(--c-light);
  padding: 80px 0 72px;
  text-align: center;
}
.page-banner h1 { color: var(--c-light); margin: 0 0 .3em; }
.page-banner .eyebrow { color: var(--c-accent); }
.page-banner p { max-width: 640px; margin: 0 auto; opacity: .9; }

/* ---------- Features 4-up ---------- */
.features { padding: var(--pad-y-lg) 0; background: var(--c-light); }
.features-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 32px;
}
.feature {
  text-align: left;
  padding: 8px 4px;
  background: transparent;
  border-radius: 0;
  border: none;
  border-top: 1px solid var(--c-neutral);
  padding-top: 28px;
}
.feature-icon {
  width: auto;
  height: auto;
  border-radius: 0;
  background: transparent;
  color: var(--c-primary);
  display: inline-flex;
  place-items: start;
  font-size: 1.75rem;
  margin: 0 0 18px;
}
.feature h3 { font-size: 1.1rem; margin-bottom: 8px; color: var(--c-primary); }
.feature p { color: var(--c-ink-2); font-size: .95rem; margin: 0; }

/* ---------- Services preview ---------- */
.services { padding: var(--pad-y) 0; background: var(--c-bg); }
.services-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.service-card {
  background: var(--c-light);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-soft);
  transition: transform .25s ease, box-shadow .25s ease;
  display: flex;
  flex-direction: column;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: var(--shadow-card);
}
.service-img {
  aspect-ratio: 16 / 9;
  background: var(--c-neutral) center/cover no-repeat;
  position: relative;
  overflow: hidden;
  transition: transform .4s ease;
}
.service-card:hover .service-img { transform: scale(1.03); }
.service-img::after {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(180deg, transparent 60%, rgba(20,41,66,.35));
}
.service-body { padding: 22px 24px 26px; flex: 1; display: flex; flex-direction: column; }
.service-body h4 { margin-bottom: 6px; color: var(--c-primary); }
.service-body p { color: var(--c-ink-2); font-size: .95rem; flex: 1; }

/* ---------- Process / How it works ---------- */
.process { padding: var(--pad-y) 0; background: var(--c-light); }
.process-steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
  counter-reset: step;
}
.process-step {
  position: relative;
  padding: 28px 24px;
  background: var(--c-bg-soft);
  border-radius: var(--radius);
  border: none;
}
.process-step::before {
  counter-increment: step;
  content: "0" counter(step);
  font-family: var(--ff-head);
  font-weight: 700;
  font-size: 2.4rem;
  color: var(--c-accent);
  opacity: .5;
  line-height: 1;
  margin-bottom: 10px;
  display: block;
}
.process-step h4 { margin-bottom: 6px; color: var(--c-primary); }
.process-step p { color: var(--c-ink-2); font-size: .95rem; margin: 0; }

/* ---------- Meet Patrick section ---------- */
.meet {
  padding: var(--pad-y-lg) 0;
  background:
    linear-gradient(180deg, var(--c-bg) 0%, var(--c-bg-soft) 100%);
}
.meet-grid {
  display: grid;
  grid-template-columns: 420px 1fr;
  gap: 56px;
  align-items: center;
}
.meet-photo {
  position: relative;
  aspect-ratio: 4 / 5;
  border-radius: var(--radius);
  overflow: hidden;
  background: var(--c-primary);
  box-shadow: var(--shadow-card);
  isolation: isolate;
}
.meet-photo img { width: 100%; height: 100%; object-fit: cover; display: block; }
.meet-copy .eyebrow { color: var(--c-accent-ink); }
.meet-copy h2 { margin-bottom: 12px; }
.meet-copy .lede {
  font-size: 1.1rem;
  color: var(--c-ink-2);
  margin-bottom: 18px;
}
.meet-signature {
  display: flex;
  align-items: center;
  gap: 16px;
  margin: 20px 0 24px;
  padding: 16px 20px;
  background: var(--c-light);
  border-left: 3px solid var(--c-accent);
  border-radius: 6px;
}
.meet-signature strong {
  font-family: var(--ff-head);
  color: var(--c-primary);
  font-size: 1rem;
}
.meet-signature small { color: var(--c-muted); display: block; font-size: .85rem; }

/* ---------- Dealer band ---------- */
.dealer-band {
  padding: 90px 0;
  background: #0d1b2e url("assets/marina-wide.jpg") center/cover no-repeat;
  color: var(--c-light);
  position: relative;
  overflow: hidden;
}
.dealer-band::before {
  content: "";
  position: absolute; inset: 0;
  background: linear-gradient(
    90deg,
    rgba(13,27,46,.92) 0%,
    rgba(30,58,95,.72) 55%,
    rgba(13,27,46,.85) 100%
  );
}
.dealer-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 32px;
  flex-wrap: wrap;
  position: relative;
  z-index: 1;
}
.dealer-band h3 { color: var(--c-light); margin: 0 0 6px; }
.dealer-band p { margin: 0; opacity: .9; max-width: 540px; }

/* ---------- Phone band ---------- */
.phone-band {
  background: var(--c-dark);
  color: var(--c-light);
  padding: 36px 0;
}
.phone-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  flex-wrap: wrap;
}
.phone-label {
  text-transform: uppercase;
  letter-spacing: .15em;
  font-size: .78rem;
  opacity: .8;
  margin: 0 0 4px;
  color: var(--c-accent);
}
.phone-band h3 { color: var(--c-light); margin: 0; }
.phone-band h3 a {
  color: inherit;
  /* Add padding so the tap target is taller than the text */
  display: inline-block;
  padding: 8px 0;
}
.phone-band h3 a:hover { color: var(--c-accent); }

/* ---------- FAQ (modern rotating chevron) ---------- */
.faq { padding: var(--pad-y) 0; background: var(--c-light); }
.faq-list {
  max-width: 860px;
  margin: 0 auto;
}
.faq-item {
  border-bottom: 1px solid var(--c-neutral);
  padding: 22px 0;
}
.faq-item:first-child { border-top: 1px solid var(--c-neutral); }
.faq-item summary {
  cursor: pointer;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 20px;
  font-family: var(--ff-head);
  font-weight: 700;
  font-size: 1.05rem;
  color: var(--c-primary);
  padding-right: 4px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "";
  flex: 0 0 auto;
  width: 9px;
  height: 9px;
  border-right: 2px solid var(--c-primary);
  border-bottom: 2px solid var(--c-primary);
  transform: rotate(45deg);
  transition: transform .25s ease;
  margin-right: 6px;
  margin-top: -4px;
}
.faq-item[open] summary::after { transform: rotate(-135deg); margin-top: 2px; }
.faq-item p { color: var(--c-ink-2); padding: 12px 0 0; margin: 0; }

.faq-cta { text-align: center; margin-top: 40px; }

/* ---------- Contact page ---------- */
.contact-wrap {
  padding: var(--pad-y) 0;
}
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr;
  gap: 48px;
}
/* Prevent grid-track min-content from blowing past the viewport: any child
   with long unbreakable text (like an input with a wide placeholder, or a
   nowrap utility label) would otherwise force the track wider than 1fr. */
.contact-grid > * { min-width: 0; }
.form-row-2 > * { min-width: 0; }
.footer-grid > * { min-width: 0; }
.contact-info h3 { color: var(--c-primary); }
.contact-info .info-row {
  display: flex;
  gap: 14px;
  align-items: flex-start;
  margin: 18px 0;
}
.contact-info .info-icon {
  width: 42px;
  height: 42px;
  border-radius: 10px;
  background: var(--c-primary);
  color: var(--c-accent);
  display: grid;
  place-items: center;
  flex: 0 0 42px;
}
.contact-info strong { display: block; color: var(--c-primary); font-family: var(--ff-head); }
.contact-info a { color: var(--c-ink-2); }
.contact-info a:hover { color: var(--c-primary); }
.contact-info .info-meta { display: block; color: var(--c-ink-2); }
.contact-info .info-meta.small { font-size: .88rem; color: var(--c-muted); }

.contact-form {
  background: var(--c-bg);
  padding: 36px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
}
.form-row { margin-bottom: 18px; }
.form-row-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-row label {
  display: block;
  font-family: var(--ff-head);
  font-weight: 600;
  font-size: .85rem;
  color: var(--c-primary);
  margin-bottom: 6px;
  letter-spacing: .04em;
}
.form-row input,
.form-row select,
.form-row textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--c-neutral);
  border-radius: 8px;
  font-family: var(--ff-body);
  font-size: 1rem;
  line-height: 1.4;
  color: var(--c-dark);
  background: var(--c-light);
  transition: border-color .15s ease, box-shadow .15s ease;
  /* Normalize line-height across input types so select/input visually align */
  height: 46px;
}
.form-row textarea { height: auto; resize: vertical; min-height: 90px; }
/* Muted "(optional)" tag next to labels so required vs. optional is obvious */
.form-optional {
  color: var(--c-muted);
  font-weight: 500;
  letter-spacing: 0;
  text-transform: none;
  font-size: .78rem;
  margin-left: 4px;
}
/* Strip native styling from <select> and replace the chevron with one that matches the rest of the UI */
.form-row select {
  appearance: none;
  -webkit-appearance: none;
  -moz-appearance: none;
  background-image: url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8' fill='none' stroke='%231e3a5f' stroke-width='1.75' stroke-linecap='round' stroke-linejoin='round'><path d='M1 1.5l5 5 5-5'/></svg>");
  background-repeat: no-repeat;
  background-position: right 14px center;
  background-size: 12px 8px;
  padding-right: 38px;
  cursor: pointer;
}
.form-row select::-ms-expand { display: none; }
.form-row input:focus,
.form-row select:focus,
.form-row textarea:focus {
  outline: none;
  border-color: var(--c-primary);
  box-shadow: 0 0 0 3px rgba(30, 58, 95, .15);
}

/* ---------- Services page ---------- */
.service-section {
  padding: var(--pad-y) 0;
  border-bottom: 1px solid var(--c-neutral);
}
.service-section:nth-child(even) { background: var(--c-bg); }
.service-section .container {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: center;
}
.service-section.reverse .container > :first-child { order: 2; }
.service-section h2 { color: var(--c-primary); }
.service-section ul {
  list-style: none;
  padding: 0;
  margin: 18px 0;
}
.service-section ul li {
  position: relative;
  padding: 8px 0 8px 28px;
  color: var(--c-ink-2);
  border-bottom: 1px solid rgba(0,0,0,.05);
}
.service-section ul li::before {
  content: "\2713";
  position: absolute;
  left: 0;
  color: var(--c-accent);
  font-weight: 700;
}
.service-visual {
  aspect-ratio: 4 / 3;
  border-radius: var(--radius);
  background: var(--c-primary) center/cover no-repeat;
  box-shadow: var(--shadow-card);
  position: relative;
  overflow: hidden;
}

/* ---------- Footer ---------- */
.site-footer {
  background: var(--c-dark);
  color: #c9cdd3;
  padding-top: 64px;
}
.site-footer h5 {
  color: var(--c-light);
  text-transform: uppercase;
  letter-spacing: .12em;
  font-size: .9rem;
  margin-bottom: 16px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 56px;
}
.footer-col ul {
  list-style: none;
  margin: 0;
  padding: 0;
}
.footer-col ul li + li { margin-top: 4px; }
.footer-col a {
  color: #c9cdd3;
  /* Bigger tap area on mobile without visual overcrowding */
  display: inline-block;
  padding: 6px 0;
}
.footer-col a:hover { color: var(--c-accent); }

.socials { display: flex; gap: 12px; margin-top: 16px; }
.socials a {
  width: 38px;
  height: 38px;
  border-radius: 50%;
  background: rgba(255,255,255,.08);
  color: var(--c-light);
  display: grid;
  place-items: center;
  transition: background .2s ease;
}
.socials a:hover { background: var(--c-accent); color: var(--c-dark); }

.footer-phone {
  display: inline-block;
  font-family: var(--ff-head);
  font-size: 1.25rem;
  color: var(--c-accent);
  margin: 4px 0 6px;
  /* Bigger tap area */
  padding: 8px 0;
}
.muted { color: var(--c-muted); font-size: .88rem; }

.footer-bottom {
  border-top: 1px solid rgba(255,255,255,.08);
  padding: 20px 0;
  font-size: .85rem;
}
.footer-bottom .container {
  display: flex;
  justify-content: space-between;
  gap: 16px;
  flex-wrap: wrap;
}
.footer-legal {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  gap: 18px;
}
.footer-legal a { color: #c9cdd3; display: inline-block; padding: 6px 0; }
.footer-legal a:hover { color: var(--c-accent); }

/* ---------- Legal page typography ---------- */
.legal-wrap { padding: var(--pad-y) 0; }
.legal-wrap .container { max-width: 780px; }
.legal-wrap h2 { color: var(--c-primary); margin-top: 2em; }
.legal-wrap h3 { color: var(--c-primary); margin-top: 1.5em; font-size: 1.2rem; }
.legal-wrap p, .legal-wrap li { color: var(--c-ink-2); }

/* ---------- Contact form success state ---------- */
.contact-success {
  background: var(--c-bg);
  padding: 36px;
  border-radius: var(--radius);
  box-shadow: var(--shadow-soft);
  text-align: center;
}
.contact-success h3 { color: var(--c-primary); margin-bottom: 8px; }
.contact-success p { color: var(--c-ink-2); margin: 0; }

/* ---------- Segmented control (radio buttons styled as a 3-up selector) ---------- */
.form-label {
  display: block;
  font-family: var(--ff-head);
  font-weight: 600;
  font-size: .85rem;
  color: var(--c-primary);
  margin-bottom: 6px;
  letter-spacing: .04em;
}
.segmented {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 8px;
  background: transparent;
}
.segmented input[type="radio"] {
  position: absolute;
  opacity: 0;
  pointer-events: none;
  width: 0;
  height: 0;
}
.segmented label {
  display: flex;
  align-items: center;
  justify-content: center;
  text-align: center;
  height: 46px;
  padding: 0 12px;
  border: 1px solid var(--c-neutral);
  border-radius: 8px;
  background: var(--c-light);
  font-family: var(--ff-body);
  font-weight: 600;
  font-size: .92rem;
  color: var(--c-ink-2);
  cursor: pointer;
  transition: background .15s ease, border-color .15s ease, color .15s ease, box-shadow .15s ease;
  user-select: none;
}
.segmented label:hover {
  border-color: var(--c-primary);
  color: var(--c-primary);
}
.segmented input[type="radio"]:checked + label {
  background: var(--c-primary);
  border-color: var(--c-primary);
  color: var(--c-light);
}
.segmented input[type="radio"]:focus-visible + label {
  box-shadow: 0 0 0 3px rgba(30, 58, 95, .25);
}
/* Forced-colors / Windows High Contrast — keep selection visible without relying on background color */
@media (forced-colors: active) {
  .segmented input[type="radio"]:checked + label {
    border-width: 3px;
    outline: 2px solid CanvasText;
    outline-offset: -4px;
  }
}
/* "Other" detail follow-up input — inherits input styling, just adds top margin */
.loantype-other-detail {
  margin-top: 10px;
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--c-neutral);
  border-radius: 8px;
  font-family: var(--ff-body);
  font-size: 1rem;
  height: 46px;
  color: var(--c-dark);
  background: var(--c-light);
  transition: border-color .15s ease, box-shadow .15s ease;
}
.loantype-other-detail:focus {
  outline: none;
  border-color: var(--c-primary);
  box-shadow: 0 0 0 3px rgba(30, 58, 95, .15);
}

/* Inline form error states */
.apply-modal__error,
.contact-form-error {
  background: #fef2f2;
  color: #991b1b;
  border: 1px solid #fecaca;
  border-radius: 8px;
  padding: 10px 14px;
  margin-bottom: 14px;
  font-size: .9rem;
  line-height: 1.4;
}

/* ---------- Application modal (native <dialog>) ---------- */
.apply-modal {
  border: none;
  padding: 0;
  border-radius: 14px;
  background: var(--c-light);
  color: var(--c-dark);
  width: min(560px, calc(100vw - 32px));
  max-height: calc(100dvh - 32px);
  overflow: hidden;
  box-shadow: 0 30px 80px rgba(0, 0, 0, .35);
  position: relative;
}
/* Only apply flex layout when the dialog is actually open — without the
   [open] guard, the class selector overrides the UA `dialog:not([open]) {
   display:none }` rule and the dialog renders inline at the bottom of every
   page. */
.apply-modal[open] {
  display: flex;
  flex-direction: column;
}
.apply-modal::backdrop {
  background: rgba(13, 27, 46, .65);
  backdrop-filter: blur(2px);
}
.apply-modal__close {
  position: absolute;
  top: 10px;
  right: 12px;
  width: 36px;
  height: 36px;
  border-radius: 50%;
  border: none;
  background: rgba(0, 0, 0, .05);
  color: var(--c-dark);
  font-size: 1.4rem;
  line-height: 1;
  cursor: pointer;
  display: grid;
  place-items: center;
  z-index: 2;
}
.apply-modal__close:hover { background: rgba(0, 0, 0, .1); }
.apply-modal__content {
  padding: 36px 32px 32px;
  /* min-height:0 + flex:1 lets this child scroll when content exceeds the modal */
  flex: 1 1 auto;
  min-height: 0;
  overflow-y: auto;
  -webkit-overflow-scrolling: touch;
  overscroll-behavior: contain;
  /* Ensure focused fields scroll above the sticky footer (~ footer height) */
  scroll-padding-bottom: 140px;
  /* Always show a slim scrollbar as a visual "you can scroll" cue. */
  scrollbar-width: thin;
  scrollbar-color: rgba(30, 58, 95, .35) transparent;
}
.apply-modal__content::-webkit-scrollbar {
  width: 8px;
}
.apply-modal__content::-webkit-scrollbar-track {
  background: transparent;
}
.apply-modal__content::-webkit-scrollbar-thumb {
  background: rgba(30, 58, 95, .25);
  border-radius: 4px;
}
.apply-modal__content::-webkit-scrollbar-thumb:hover {
  background: rgba(30, 58, 95, .45);
}
.apply-modal__head { margin-bottom: 22px; }
.apply-modal__head .eyebrow { color: var(--c-accent-ink); }
.apply-modal__head h2 { margin: 0 0 8px; color: var(--c-primary); font-size: 1.65rem; }
.apply-modal__sub { color: var(--c-ink-2); margin: 0; font-size: .95rem; }
.apply-modal__submit {
  width: 100%;
  justify-content: center;
}
.apply-modal__legal {
  margin: 10px 0 0;
  font-size: .78rem;
  text-align: center;
  color: var(--c-muted);
}
/* Sticky form footer — keeps Submit visible no matter how tall the form is.
   Top fade hints that there's content scrolling underneath. */
.apply-modal__form-footer {
  position: sticky;
  bottom: -32px; /* extend into the content's bottom padding */
  margin: 16px -32px -32px; /* break out of content padding to span full width */
  padding: 18px 32px 32px;
  background: linear-gradient(
    to bottom,
    rgba(255, 255, 255, 0) 0%,
    var(--c-light) 22px,
    var(--c-light) 100%
  );
  z-index: 1;
}
@media (max-width: 640px) {
  .apply-modal__form-footer {
    bottom: -24px;
    margin: 16px -20px -24px;
    padding: 18px 20px 24px;
  }
}
.apply-modal__success { text-align: center; padding: 12px 0; }
.apply-modal__success h2 { color: var(--c-primary); }
.apply-modal__success p { color: var(--c-ink-2); }

/* Apply trigger styled to match other utility-bar links */
.utility-apply {
  background: none;
  border: none;
  font: inherit;
  color: var(--c-light);
  cursor: pointer;
  /* Bigger tap area (matches .utility-link padding so row stays aligned) */
  padding: 8px 4px;
  margin: -8px -4px;
  opacity: .85;
  display: inline-flex;
  gap: 6px;
  align-items: center;
}
.utility-apply:hover { opacity: 1; color: var(--c-accent); }

/* ---------- Responsive ---------- */
@media (max-width: 1024px) {
  .features-grid { grid-template-columns: repeat(2, 1fr); }
  .services-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .meet-grid { grid-template-columns: 1fr; gap: 32px; }
  .meet-photo { max-width: 420px; margin: 0 auto; }
  .contact-grid { grid-template-columns: 1fr; }
  .service-section .container { grid-template-columns: 1fr; }
  .service-section.reverse .container > :first-child { order: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 640px) {
  .main-nav { display: none; }
  .header-cta { display: none; }
  .utility-left .utility-link:not(:first-child) { display: none; }
  /* Hide hours on mobile to keep Apply trigger visible */
  .utility-right .utility-link:not(.utility-apply) { display: none; }
  /* Mobile-friendly modal — full-screen sheet */
  .apply-modal {
    width: 100vw;
    max-width: 100vw;
    height: 100dvh; /* dvh respects iOS Safari URL bar */
    max-height: 100dvh;
    border-radius: 0;
    margin: 0;
  }
  .apply-modal__content { padding: 28px 20px 24px; }
  /* Tighten segmented pills so they fit without text wrapping on small screens */
  .segmented label {
    font-size: .82rem;
    padding: 0 6px;
    height: 44px;
  }
  .features-grid { grid-template-columns: 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .form-row-2 { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero { min-height: 500px; }
  .hero-content { padding: 64px 20px; }
  .phone-inner { flex-direction: column; align-items: flex-start; }
  .contact-form { padding: 20px; }
  /* Phone band CTA text is long — allow wrap on small screens instead of overflowing */
  .phone-band h3, .phone-band h3 a { white-space: normal; word-break: break-word; }
  .phone-label { white-space: normal; }
}