/* ownmore — shared site styles. In GHL: paste into Funnel/Website Settings > Custom CSS. */
:root{
  color-scheme:light;
  --paper:#ffffff;
  --ink:#141312;
  --text:#2a2724;
  --muted:#6a655e;
  --line:rgba(20,19,18,.10);
  --line-strong:rgba(20,19,18,.22);
  --rust:#c1531f;
  --rust-dk:#a9461a;
  --rust-wash:#f7e9e1;
  --sand:#dcd1c0;
  --wash:#f8f6f3;
  --cream:#f5f0e8;
  --night:#141312;
  --display:'Poppins',Arial,Helvetica,sans-serif;
  --body:'Open Sans',Arial,Helvetica,sans-serif;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
[hidden]{display:none!important}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{background:var(--paper);color:var(--text);font-family:var(--body);font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased}
a{color:inherit}
img{max-width:100%;display:block}
button{font:inherit;color:inherit}
.wrap{max-width:1140px;margin:0 auto;padding-inline:24px}
h1,h2,h3,h4{font-family:var(--display);color:var(--ink);text-wrap:balance;font-weight:400}
.label{font-family:var(--display);font-weight:500;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.label.rust{color:var(--rust)}
:focus-visible{outline:2px solid var(--rust);outline-offset:3px}
.num{font-variant-numeric:tabular-nums}

/* wordmark */
.om{display:inline-flex;align-items:center;font-family:var(--display);font-weight:800;letter-spacing:-.035em;line-height:1;color:var(--ink);text-decoration:none}
.om svg{width:1em;height:1em;flex:none;margin-right:1px}
.om .o{color:var(--rust)}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:48px;padding:0 22px;border-radius:6px;border:0;background:var(--ink);color:#fff;font-family:var(--display);font-weight:500;font-size:15px;text-decoration:none;cursor:pointer;transition:background .15s,opacity .15s;white-space:nowrap}
.btn:hover{opacity:.86}
.btn.rust{background:var(--rust)}
.btn.rust:hover{opacity:1;background:var(--rust-dk)}
.btn.ghost{background:transparent;color:var(--ink);box-shadow:inset 0 0 0 1px var(--line-strong)}
.btn.ghost:hover{opacity:1;box-shadow:inset 0 0 0 1px var(--ink)}
.btn.light{background:#fff;color:var(--ink)}
.link{font-family:var(--display);font-weight:500;font-size:15px;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line-strong);padding-bottom:2px;transition:border-color .15s}
.link:hover{border-color:var(--ink)}
.arrow::after{content:" \2192";color:var(--rust)}

/* header */
.hdr{position:sticky;top:env(safe-area-inset-top,0px);z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.2) blur(8px);-webkit-backdrop-filter:saturate(1.2) blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:24px;height:72px}
.nav .om{font-size:26px}
.nav ul{display:flex;align-items:center;gap:30px;list-style:none;font-family:var(--display);font-size:14px}
.nav ul a:not(.btn){text-decoration:none;color:var(--muted);transition:color .15s}
.nav ul a:not(.btn):hover,.nav ul a[aria-current]{color:var(--ink)}
.nav .btn{height:40px;padding:0 18px;font-size:14px}
.menu-btn{display:none;width:44px;height:44px;border:0;background:none;cursor:pointer;align-items:center;justify-content:center}
.menu-btn span,.menu-btn span::before,.menu-btn span::after{display:block;width:20px;height:1.5px;background:var(--ink);position:relative;transition:transform .2s}
.menu-btn span::before,.menu-btn span::after{content:"";position:absolute;left:0}
.menu-btn span::before{top:-6px}.menu-btn span::after{top:6px}
.menu-btn[aria-expanded="true"] span{background:transparent}
.menu-btn[aria-expanded="true"] span::before{transform:translateY(6px) rotate(45deg)}
.menu-btn[aria-expanded="true"] span::after{transform:translateY(-6px) rotate(-45deg)}
.mnav{border-top:1px solid var(--line);padding-block:8px 20px}
.mnav a{display:block;padding:12px 0;font-family:var(--display);font-size:17px;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.mnav .btn{display:flex;margin-top:16px;border-bottom:0;color:#fff}

/* sections */
section{padding-block:96px}
section + section{border-top:1px solid var(--line)}
.band-cream{background:var(--cream);border-top:0!important}
.band-cream + section{border-top:0}
.band-night{background:var(--night);color:rgba(255,255,255,.72);border-top:0!important;position:relative;overflow:hidden}
.band-night h2,.band-night h3{color:#fff}
.band-night + footer{border-top:0}
.sec-head{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.2fr);gap:72px;margin-bottom:52px;align-items:end}
.sec-head h2{font-weight:300;font-size:clamp(32px,4vw,46px);line-height:1.08;letter-spacing:-.025em}
.sec-head p{color:var(--muted);max-width:36em}
.sec-head .label{display:block;margin-bottom:14px}

/* footer */
footer{border-top:1px solid var(--line)}
.contact{display:grid;grid-template-columns:1fr 1fr;padding-block:48px}
.contact>div:first-child{padding-right:40px}
.contact>div+div{border-left:1px solid var(--line);padding-left:48px}
.contact h3{font-weight:300;font-size:30px;line-height:1.2}
.contact p{font-family:var(--display);font-size:14px;color:var(--muted);margin-top:4px}
.contact .ln{display:flex;align-items:center;gap:10px;margin-top:14px;font-family:var(--display);font-weight:600;font-size:15px;color:var(--ink);text-decoration:none;user-select:all}
.contact svg.ic{width:16px;height:16px;stroke:var(--rust);fill:none;stroke-width:1.8;flex:none}
.contact .fmark{font-size:30px;margin-bottom:22px}
.contact .vine{height:52px;width:auto}
.contact .lic{margin-top:22px}
.prov{border-top:1px solid var(--line);padding-block:22px;text-align:center;font-family:var(--display);font-weight:600;font-size:12px;letter-spacing:.18em;color:var(--muted)}
.disc{font-family:var(--display);font-size:12px;line-height:1.8;color:var(--muted);padding-bottom:48px}

/* mobile action bar */
.mbar{display:none}

/* FAQ */
.faq{border-top:1px solid var(--ink);max-width:880px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:24px;padding:22px 0;font-family:var(--display);font-size:19px;color:var(--ink)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-weight:300;font-size:26px;color:var(--rust);line-height:1;transition:transform .2s;flex:none}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{padding-bottom:24px;max-width:44em;color:var(--text)}

/* forms */
.field{display:flex;flex-direction:column;gap:6px}
.field label,.flabel{font-family:var(--display);font-weight:500;font-size:14px;color:var(--ink)}
.inp{position:relative}
.inp input,.field select,.field>input{width:100%;height:48px;border:1px solid var(--line-strong);border-radius:6px;background:#fff;padding:0 14px;font-family:var(--display);font-size:16px;color:var(--ink);font-variant-numeric:tabular-nums;transition:border-color .15s}
.inp input:focus,.field select:focus,.field>input:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px rgba(193,83,31,.15)}
.inp .pre,.inp .suf{position:absolute;top:50%;transform:translateY(-50%);font-family:var(--display);color:var(--muted);font-size:15px;pointer-events:none}
.inp .pre{left:14px}.inp .suf{right:14px}
.inp.pre-on input{padding-left:28px}
.inp.suf-on input{padding-right:34px}
.note{font-size:13px;color:var(--muted);line-height:1.5}

@media (max-width:900px){
  section{padding-block:68px}
  .sec-head{grid-template-columns:1fr;gap:14px;margin-bottom:36px}
  .nav ul{display:none}
  .menu-btn{display:flex}
  .contact{grid-template-columns:1fr}
  .contact>div:first-child{padding-right:0}
  .contact>div+div{border-left:0;border-top:1px solid var(--line);padding:28px 0 0;margin-top:28px}
  .mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;gap:10px;padding:10px 16px calc(10px + env(safe-area-inset-bottom,0px));background:rgba(255,255,255,.96);border-top:1px solid var(--line);backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
  .mbar .btn{flex:1;height:46px;font-size:14px}
  footer{padding-bottom:80px}
}
@media (max-width:640px){
  body{font-size:16px}
  .wrap{padding-inline:18px}
  .prov{letter-spacing:.1em;line-height:2}
  .faq summary{font-size:17px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;animation:none!important;scroll-behavior:auto!important}}

/* ===== strategy pages (hero cycle, estimator, fit, close) ===== */

.phero{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:64px;align-items:center;padding-block:80px 88px;border-top:0}
.phero h1{font-weight:300;font-size:clamp(40px,5.4vw,66px);line-height:1.04;letter-spacing:-.035em;margin-top:16px}
.phero .lede{font-size:19px;color:var(--muted);max-width:30em;margin-top:24px}
.phero .ctas{display:flex;align-items:center;gap:28px;flex-wrap:wrap;margin-top:34px}

/* the monthly cycle */
.cycle{background:var(--wash);border-radius:10px;padding:28px}
.cycle .when{font-family:var(--display);font-weight:500;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:12px}
.cycle .when + .flow{margin-bottom:22px}
.flow{display:grid;grid-template-columns:minmax(0,1fr) 44px minmax(0,1fr);align-items:center;gap:0;background:#fff;border:1px solid var(--line);border-radius:8px;padding:14px 16px}
.flow + .flow{margin-top:10px}
.flow .acct{font-family:var(--display);font-size:14px;line-height:1.3;color:var(--ink)}
.flow .acct small{display:block;font-size:12px;color:var(--muted);margin-top:2px}
.flow .acct:last-child{text-align:right}
.flow svg{width:44px;height:14px;overflow:visible}
.flow .pipe{stroke:var(--rust);stroke-width:2;stroke-dasharray:4 5;fill:none;animation:flow 1s linear infinite}
@keyframes flow{to{stroke-dashoffset:-9}}
.tag{display:inline-block;font-family:var(--display);font-size:11px;font-weight:600;letter-spacing:.04em;padding:2px 7px;border-radius:3px;margin-top:5px}
.tag.no{background:var(--cream);color:var(--muted)}
.tag.yes{background:var(--rust-wash);color:var(--rust-dk)}

/* estimator */
.est{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:48px;align-items:start}
.inputs{display:grid;gap:30px}
.grp h3{font-size:18px;font-weight:500;margin-bottom:14px;padding-bottom:10px;border-bottom:1px solid var(--line)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.row3{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:16px}
.grp .field + .field,.grp .row2 + .field,.grp .field + .row2{margin-top:16px}
.tgl{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0;border-top:1px solid var(--line)}
.tgl:first-of-type{border-top:0}
.tgl .t{font-family:var(--display);font-weight:500;font-size:14px;color:var(--ink);line-height:1.4}
.tgl .t small{display:block;font-family:var(--body);font-weight:400;font-size:13px;color:var(--muted);margin-top:2px}
.sw{position:relative;width:46px;height:26px;flex:none}
.sw input{position:absolute;inset:0;opacity:0;width:100%;height:100%;margin:0;cursor:pointer;z-index:1}
.sw span{position:absolute;inset:0;border-radius:13px;background:rgba(20,19,18,.18);transition:background .15s}
.sw span::after{content:"";position:absolute;left:3px;top:3px;width:20px;height:20px;border-radius:50%;background:#fff;box-shadow:0 1px 3px rgba(0,0,0,.2);transition:transform .15s}
.sw input:checked + span{background:var(--ink)}
.sw input:checked + span::after{transform:translateX(20px)}
.sw input:focus-visible + span{outline:2px solid var(--rust);outline-offset:2px}

.res{position:sticky;top:96px;background:var(--night);color:rgba(255,255,255,.72);border-radius:10px;padding:30px}
.res .label{color:#e7a47f}
.res .head{font-family:var(--display);font-weight:300;font-size:clamp(40px,4.6vw,56px);line-height:1;letter-spacing:-.035em;color:#fff;margin-top:12px}
.res .head small{font-size:18px;letter-spacing:0;color:rgba(255,255,255,.6);margin-left:6px}
.res .vs{font-family:var(--display);font-size:14px;margin-top:10px}
.res .vs b{color:#fff;font-weight:500}
.kpis{display:grid;grid-template-columns:1fr 1fr;gap:1px;background:rgba(255,255,255,.12);border-radius:6px;overflow:hidden;margin-top:24px}
.kpis div{background:#1f1d1b;padding:16px 18px}
.kpis b{display:block;font-family:var(--display);font-weight:600;font-size:23px;color:#fff;font-variant-numeric:tabular-nums;line-height:1.3}
.kpis span{font-size:12.5px;color:rgba(255,255,255,.6);line-height:1.4;display:block}
.res .cash{margin-top:18px;font-size:14px;line-height:1.55;padding-left:14px;border-left:2px solid var(--rust)}
.res .btns{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.res .btns .btn{flex:1}
.res .warn{margin-top:16px;font-size:14px;color:#f0b48f}

/* chart + gate */
.detail{margin-top:56px;position:relative}
.detail .dh{display:flex;justify-content:space-between;align-items:end;gap:24px;flex-wrap:wrap;margin-bottom:18px}
.detail h3{font-weight:300;font-size:30px;letter-spacing:-.02em}
.legend{display:flex;flex-wrap:wrap;gap:8px 20px;font-family:var(--display);font-size:13px;color:var(--muted)}
.legend i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:7px;vertical-align:-1px}
.legend i.dash{height:0;width:16px;border-top:2px dashed var(--ink);border-radius:0;vertical-align:3px}
.chart{position:relative}
.chart svg{display:block;width:100%;height:auto;overflow:visible}
.chart .ax{font-family:Poppins,Arial,sans-serif;font-size:11px;fill:var(--muted)}
.tip{position:absolute;pointer-events:none;background:var(--ink);color:#fff;font-family:var(--display);font-size:12px;line-height:1.55;padding:9px 11px;border-radius:6px;white-space:nowrap;transform:translate(-50%,-105%);opacity:0;transition:opacity .1s}
.tip b{font-weight:600}
.tbl{overflow-x:auto;margin-top:30px}
.tbl table{width:100%;border-collapse:collapse;font-family:var(--display);font-size:14px;font-variant-numeric:tabular-nums;min-width:640px}
.tbl th{font-weight:500;font-size:12px;color:var(--muted);text-align:right;padding:0 0 10px;border-bottom:1px solid var(--ink)}
.tbl td{text-align:right;padding:10px 0;border-bottom:1px solid var(--line);color:var(--ink)}
.tbl th:first-child,.tbl td:first-child{text-align:left}
.tbl td.pos{color:var(--rust-dk);font-weight:500}
.locked .chart,.locked .tbl{filter:blur(7px);pointer-events:none;user-select:none}
.gate{position:absolute;left:50%;top:120px;transform:translateX(-50%);width:min(440px,100%);background:#fff;border-radius:10px;padding:28px;box-shadow:0 24px 60px -20px rgba(20,19,18,.35),0 0 0 1px var(--line);z-index:5}
.gate h4{font-size:22px;font-weight:500;letter-spacing:-.01em}
.gate p{font-size:15px;color:var(--muted);margin-top:6px}
.gate form{display:grid;gap:14px;margin-top:18px}
.gate .consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--muted);line-height:1.5;cursor:pointer}
.gate .consent input{margin-top:3px;accent-color:var(--rust);width:16px;height:16px;flex:none}
.gate .err{font-size:13px;color:#a3321a}
.gate .btn{width:100%}

/* fit */
.fit{display:grid;grid-template-columns:1fr 1fr;gap:48px}
.fit h3{font-size:22px;margin-bottom:14px}
.fit ul{list-style:none;border-top:1px solid var(--ink)}
.fit li{padding:14px 0 14px 28px;border-bottom:1px solid var(--line);position:relative}
.fit li::before{position:absolute;left:0;top:14px;font-family:var(--display);font-weight:600}
.fit .yes li::before{content:"\2713";color:var(--rust)}
.fit .no li::before{content:"\2715";color:var(--muted)}

.close{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:48px;align-items:end}
.close h2{font-weight:300;font-size:clamp(34px,4.4vw,54px);line-height:1.05;letter-spacing:-.03em}
.close p{margin-top:16px;max-width:30em}
.close .ctas{display:flex;flex-direction:column;align-items:flex-start;gap:16px}
.close .link{color:#fff;border-color:rgba(255,255,255,.35)}

@media (max-width:1000px){
  .phero{grid-template-columns:1fr;gap:44px;padding-block:52px 68px}
  .est{grid-template-columns:1fr}
  .res{position:static}
  .close{grid-template-columns:1fr;gap:26px}
}
@media (max-width:700px){
  .fit{grid-template-columns:1fr;gap:36px}
  .row3{grid-template-columns:1fr 1fr}
  .row3 .field:first-child{grid-column:1/-1}
  .cycle{padding:20px 14px}
  .flow{grid-template-columns:minmax(0,1fr) 30px minmax(0,1fr);padding:12px}
  .flow svg{width:30px}
  .res{padding:24px 18px}
  .kpis b{font-size:19px}
  .gate{padding:22px 18px;top:60px}
}

/* ===== calculator pages ===== */
.thero{padding-block:60px 52px;border-top:0}
.thero h1{font-weight:300;font-size:clamp(34px,4.6vw,56px);line-height:1.05;letter-spacing:-.03em;margin-top:14px;max-width:16em}
.thero .sub{font-size:18px;color:var(--muted);max-width:38em;margin-top:18px}
.pill{display:inline-flex;align-items:center;gap:8px;font-family:var(--display);font-weight:500;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--rust-dk);background:var(--rust-wash);padding:5px 10px;border-radius:4px}
.tool-sec{padding-block:64px 88px}
.res .lines{margin-top:22px}
.res .lines div{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-top:1px solid rgba(255,255,255,.12);font-family:var(--display);font-size:14px}
.res .lines b{color:#fff;font-weight:500;font-variant-numeric:tabular-nums;text-align:right}
.res .sub2{font-family:var(--display);font-size:14px;margin-top:10px}
.res .sub2 b{color:#fff;font-weight:500}
.btn.dim{background:rgba(255,255,255,.1);color:#fff}
.btn.dim:hover{opacity:1;background:rgba(255,255,255,.18)}
.res .smsg{font-size:13px;margin-top:12px;color:rgba(255,255,255,.75);overflow-wrap:anywhere}
.res .next{display:block;margin-top:20px;padding-top:18px;border-top:1px solid rgba(255,255,255,.12);font-family:var(--display);font-size:14px;color:#fff;text-decoration:none;line-height:1.5}
.res .next span{color:#e7a47f}
.grp .row3 + .field,.grp .field + .row3,.grp .row2 + .row2,.grp .row3 + .row2,.grp .row2 + .row3{margin-top:16px}
.grp .hide{display:none}

/* split bar */
.split{display:flex;height:44px;border-radius:6px;overflow:hidden;background:var(--wash)}
.split span{display:block;height:100%;min-width:0;transition:width .3s cubic-bezier(.3,.7,.2,1)}
.keys{display:grid;grid-template-columns:repeat(auto-fill,minmax(190px,1fr));gap:10px 24px;margin-top:18px;list-style:none;font-family:var(--display);font-size:14px;color:var(--muted)}
.keys li{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid var(--line);padding-bottom:8px}
.keys i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:8px;vertical-align:-1px}
.keys b{color:var(--ink);font-weight:500;font-variant-numeric:tabular-nums}

/* homepage: meet strip, tool index, renewal, reviews */
.meet{padding-block:0;border-top:1px solid var(--line)}
.meet .in{display:grid;grid-template-columns:auto minmax(0,1.1fr) minmax(0,1.5fr);gap:28px;align-items:center;padding-block:26px}
.meet img{width:76px;height:76px;border-radius:50%;object-fit:cover;filter:grayscale(1)}
.meet .who b{display:block;font-family:var(--display);font-weight:500;font-size:18px;color:var(--ink);line-height:1.3}
.meet .who span{display:block;font-size:15px;color:var(--muted);line-height:1.5;margin-top:2px}
.meet ul{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);font-family:var(--display);font-size:13px;color:var(--muted);line-height:1.45}
.meet li{padding-left:20px;border-left:1px solid var(--line)}
.meet li b{display:block;color:var(--ink);font-weight:500;font-size:14px}
.sub-h{display:flex;align-items:baseline;justify-content:space-between;gap:16px;flex-wrap:wrap;margin:44px 0 18px}
.sub-h h3{font-size:20px;font-weight:500}
.sub-h span{font-size:14px;color:var(--muted)}
.tools3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}
.tools3 .tool h3{font-size:21px}
.tools3 .tool p{font-size:15px}
.tools3 .tool.feature h3{font-size:26px}
.renew{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.25fr);gap:64px;align-items:center}
.renew h2{font-weight:300;font-size:clamp(30px,3.6vw,42px);line-height:1.1;letter-spacing:-.025em;margin-top:14px}
.renew p.lead{color:var(--muted);margin-top:14px;max-width:30em}
.renew form{display:grid;gap:16px}
.renew .r4{display:grid;grid-template-columns:1.25fr .85fr 1.1fr 1.5fr;gap:14px}
.renew .consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--muted);line-height:1.5;cursor:pointer}
.renew .consent input{margin-top:3px;accent-color:var(--rust);width:16px;height:16px;flex:none}
.renew .err{font-size:13px;color:#a3321a}
.reviews{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px}
.reviews figure{background:var(--wash);border-radius:8px;padding:28px;display:flex;flex-direction:column;gap:18px}
.reviews blockquote{font-size:17px;line-height:1.65;color:var(--text)}
.reviews figcaption b{display:block;font-family:var(--display);font-weight:500;font-size:15px;color:var(--ink)}
.reviews figcaption span{font-family:var(--display);font-size:13px;color:var(--muted)}

@media (max-width:1000px){
  .tools3{grid-template-columns:1fr 1fr}
  .meet .in{grid-template-columns:auto minmax(0,1fr)}
  .meet ul{grid-column:1/-1}
  .meet li:first-child{padding-left:0;border-left:0}
  .renew{grid-template-columns:1fr;gap:32px}
}
@media (max-width:640px){
  .tools3{grid-template-columns:1fr}
  .meet ul{grid-template-columns:1fr;gap:10px}
  .meet li{padding-left:0;border-left:0}
  .renew .r4{grid-template-columns:1fr 1fr}
  .thero{padding-block:40px 36px}
}

.tools3 .tool.feature{grid-row:auto}
.grp .row2 > .field,.grp .row3 > .field{margin-top:0}
.prow{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.tools4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:20px}
.tools4 .tool{padding:26px}
.tools4 .tool h3{font-size:20px}
.tools4 .tool p{font-size:15px}
.tools4 .wide{grid-column:span 2}
.tools4 .wide h3{font-size:26px}
@media (max-width:1000px){.tools4{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.tools4{grid-template-columns:1fr}.tools4 .wide{grid-column:auto}}
.about.top{padding-block:0}
.about .more{display:flex;gap:24px;align-items:center;flex-wrap:wrap;margin-top:26px}

/* sliders, segmented choice, tabs (calculators) */
input[type=range].rng{-webkit-appearance:none;appearance:none;display:block;width:100%;height:26px;background:none;margin-top:4px;cursor:pointer;--p:0%}
.rng::-webkit-slider-runnable-track{height:4px;border-radius:2px;background:linear-gradient(to right,var(--ink) var(--p),var(--sand) var(--p))}
.rng::-moz-range-track{height:4px;border-radius:2px;background:linear-gradient(to right,var(--ink) var(--p),var(--sand) var(--p))}
.rng::-webkit-slider-thumb{-webkit-appearance:none;width:20px;height:20px;border-radius:50%;background:#fff;border:2px solid var(--ink);margin-top:-8px}
.rng::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;border:2px solid var(--ink)}
.rng:focus-visible{outline:2px solid var(--rust);outline-offset:2px}
.segc{display:flex;background:#fff;border:1px solid var(--line-strong);border-radius:6px;padding:3px;gap:3px}
.segc label{flex:1;position:relative;cursor:pointer}
.segc input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}
.segc span{display:flex;align-items:center;justify-content:center;text-align:center;min-height:40px;padding:6px 12px;border-radius:4px;font-family:var(--display);font-weight:500;font-size:14px;color:var(--muted);line-height:1.25;transition:background .15s,color .15s}
.segc input:checked + span{background:var(--ink);color:#fff}
.segc input:focus-visible + span{outline:2px solid var(--rust);outline-offset:2px}
.segc.small{flex:none}
.segc.small span{min-height:32px;font-size:13px;white-space:nowrap}
.chk{display:flex;gap:10px;align-items:flex-start;font-family:var(--display);font-weight:500;font-size:14px;color:var(--ink);line-height:1.4;cursor:pointer}
.chk input{margin-top:2px;accent-color:var(--rust);width:16px;height:16px;flex:none}
.chk small{display:block;font-family:var(--body);font-weight:400;font-size:13px;color:var(--muted)}
.adv{border-top:1px solid var(--line);padding-top:14px}
.adv summary{cursor:pointer;font-family:var(--display);font-weight:500;font-size:14px;color:var(--ink);list-style:none}
.adv summary::-webkit-details-marker{display:none}
.adv summary::after{content:" +";color:var(--rust)}
.adv[open] summary::after{content:" \2212"}
.tabs{display:flex;gap:4px;margin-top:22px;background:rgba(255,255,255,.08);border-radius:6px;padding:3px}
.tabs button{flex:1;height:34px;border:0;border-radius:4px;background:none;color:rgba(255,255,255,.65);font-family:var(--display);font-weight:500;font-size:13px;cursor:pointer;transition:background .15s,color .15s}
.tabs button[aria-selected="true"]{background:#fff;color:var(--ink)}
.bd{margin-top:16px}
.bdbar{display:flex;height:10px;border-radius:5px;overflow:hidden;background:rgba(255,255,255,.1)}
.bdbar span{display:block;height:100%;transition:width .3s cubic-bezier(.3,.7,.2,1)}
.bdbar span:first-child{background:#dcd1c0}
.bdbar span:last-child{background:#c1531f}
.res .lines .dot{display:inline-block;width:9px;height:9px;border-radius:50%;margin-right:8px}
.bd .lines div:first-child{border-top:0}
.tbl thead th{position:sticky;top:0;background:var(--cream)}
.tbl tr.term td{background:rgba(193,83,31,.07);font-weight:500}
.tools4{grid-template-columns:repeat(3,minmax(0,1fr))}.field > input[type=range].rng{height:26px;border:0;padding:0;background:none;border-radius:0}
.field > input[type=range].rng:focus{box-shadow:none;border:0}
.tools3.up4{grid-template-columns:repeat(4,minmax(0,1fr))}
.tools3.up4 .tool{padding:24px}
.tools3.up4 .tool h3{font-size:20px}
.tools3.up4 .tool.feature h3{font-size:23px}
.tools3.up4 .tool.feature .mini{grid-template-columns:1fr}
@media (max-width:1100px){.tools3.up4{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.tools3.up4{grid-template-columns:1fr}}

/* ===== shared bits for the max-mortgage and refinance pages ===== */
.hide{display:none!important}
.res.blurred .v-lock{filter:blur(9px);user-select:none}
.blurred .chart-wrap,.blurred .month-row{filter:blur(8px);pointer-events:none;user-select:none}
.lblrow{display:flex;justify-content:space-between;align-items:center;gap:12px}
.seg{display:inline-flex;border:1px solid var(--line-strong);border-radius:6px;padding:2px;background:#fff;gap:2px}
.seg button{border:0;background:none;height:28px;padding:0 12px;border-radius:4px;font-family:var(--display);font-size:13px;font-weight:500;color:var(--muted);cursor:pointer}
.seg button.on{background:var(--ink);color:#fff}
.seg.full{display:flex;height:48px;padding:3px}
.seg.full button{flex:1;height:auto}
input.bad{border-color:#a3321a!important}
.txt-btn,.mini{background:none;border:0;font-family:var(--display);font-weight:500;font-size:13px;color:var(--ink);text-decoration:underline;text-underline-offset:2px;cursor:pointer;padding:0}
.mini{margin-top:6px;align-self:flex-start}
.collapse-h{display:flex;justify-content:space-between;align-items:center;width:100%;background:none;border:0;border-bottom:1px solid var(--line);padding:0 0 10px;cursor:pointer;text-align:left}
.collapse-h h3{border:0!important;margin:0!important;padding:0!important}
.collapse-h .plus{font-family:var(--display);font-size:24px;font-weight:300;color:var(--rust);line-height:1}
.levels{display:flex;justify-content:space-between;font-family:var(--display);font-size:12px;color:var(--muted);margin-top:2px}
.ratio{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-top:12px;font-family:var(--display);font-size:14px;color:var(--muted)}
.ratio .lvl{font-weight:600;color:var(--ink);font-size:16px}
.inputs .help{font-size:14px;color:var(--muted);margin-bottom:12px}
.inputs .warn{font-size:13px;color:#8a3a12;margin-top:12px}
.res-top{display:flex;justify-content:space-between;align-items:center;gap:12px}
.gear{background:none;border:0;cursor:pointer;width:32px;height:32px;display:flex;align-items:center;justify-content:center;border-radius:6px}
.gear:hover{background:rgba(255,255,255,.1)}
.gear svg{width:18px;height:18px;stroke:rgba(255,255,255,.75);fill:none;stroke-width:1.6}
.res .settings{display:grid;gap:12px;margin-top:18px;padding:16px;background:#1f1d1b;border-radius:6px}
.res .settings .field label{color:rgba(255,255,255,.8)}
.pricebox{background:#1f1d1b;border-radius:6px;padding:16px 18px;margin-top:20px}
.pricebox .k{font-family:var(--display);font-size:12.5px;color:rgba(255,255,255,.6)}
.pricebox .pv{font-family:var(--display);font-weight:600;font-size:26px;color:#fff;font-variant-numeric:tabular-nums;line-height:1.3}
.pricebox .pn{font-size:13px;color:rgba(255,255,255,.65);line-height:1.5}
.res .limit{font-size:14px;line-height:1.55;margin-top:18px;padding-left:14px;border-left:2px solid var(--rust)}
.res .limit b{color:#fff;font-weight:600}
.gate-in{background:#fff;border-radius:8px;padding:22px;margin-top:22px;display:grid;gap:14px;color:var(--text)}
.gate-in h4{font-size:20px;font-weight:500;color:var(--ink)}
.gate-in > p{font-size:14px;color:var(--muted);margin-top:-8px}
.gate-in .consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;color:var(--muted);line-height:1.5;cursor:pointer}
.gate-in .consent input{margin-top:3px;accent-color:var(--rust);width:16px;height:16px;flex:none}
.gate-in .err{font-size:13px;color:#a3321a;display:none}
.gate-in .btn{width:100%}
.res .after{display:flex;gap:10px;flex-wrap:wrap;margin-top:24px}
.res .after .btn{flex:1}
.debts{width:100%;border-collapse:collapse}
.debts th{font-family:var(--display);font-weight:500;font-size:12px;color:var(--muted);text-align:left;padding:0 8px 6px 0}
.debts td{padding:0 8px 8px 0;vertical-align:middle}
.debts td:last-child{padding-right:0;width:38px}
.debts input[type=text]{width:100%;height:44px;border:1px solid var(--line-strong);border-radius:6px;background:#fff;padding:0 10px;font-family:var(--display);font-size:15px;color:var(--ink);font-variant-numeric:tabular-nums}
.debts input[type=text]:focus{outline:none;border-color:var(--ink);box-shadow:0 0 0 3px rgba(193,83,31,.15)}
.debts .inp.pre-on input{padding-left:24px}
.debts .inp .pre{left:10px;font-size:14px}
.debts .inp.suf-on input{padding-right:26px}
.debts .inp .suf{right:10px;font-size:14px}
.rm{width:38px;height:44px;border:1px solid var(--line-strong);border-radius:6px;background:#fff;color:var(--muted);font-size:20px;line-height:1;cursor:pointer}
.rm:hover{color:var(--ink);border-color:var(--ink)}
.add{margin-top:4px;background:none;border:0;font-family:var(--display);font-weight:500;font-size:14px;color:var(--ink);cursor:pointer;padding:6px 0}
.add span{color:var(--rust)}
.chart-wrap{position:relative;margin-top:16px}
.chart-wrap svg{display:block;width:100%;height:auto;overflow:visible}
.month-row{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.4fr);gap:32px;align-items:center;margin-top:22px}
.month-row .mlabel{font-family:var(--display);font-weight:500;font-size:15px;color:var(--ink)}
.mgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.mk{background:#fff;border-radius:6px;padding:12px 14px}
.mk b{display:block;font-family:var(--display);font-weight:600;font-size:18px;color:var(--ink);font-variant-numeric:tabular-nums;line-height:1.3}
.mk span{font-size:12px;color:var(--muted);line-height:1.4;display:block}
/* strategy pages: how-it-works block under the estimator */
.howw{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px;align-items:center}
.howw h2{font-weight:300;font-size:clamp(32px,4vw,46px);line-height:1.08;letter-spacing:-.025em;margin-top:14px}
.howw p{color:var(--muted);margin-top:18px;max-width:32em}
#mwm-report{display:none}
@media print{
  body *{visibility:hidden!important}
  #mwm-report,#mwm-report *{visibility:visible!important}
  #mwm-report{display:block!important;position:absolute;left:0;top:0;width:100%;padding:24px 32px;font-family:"Open Sans",Arial,Helvetica,sans-serif;color:#151522}
  #mwm-report img{height:40px}
  #mwm-report h1{font-family:Poppins,Arial,Helvetica,sans-serif;font-weight:300;font-size:28px;margin:18px 0 4px}
  #mwm-report h2{font-family:Poppins,Arial,Helvetica,sans-serif;font-weight:600;font-size:14px;color:#c1531f;margin:20px 0 6px}
  #mwm-report table{width:100%;border-collapse:collapse;font-size:13px}
  #mwm-report td{padding:6px 0;border-bottom:1px solid #ddd}
  #mwm-report td:last-child{text-align:right;font-weight:700}
  #mwm-report .rbig{font-size:34px;font-weight:300;font-family:Poppins,Arial,Helvetica,sans-serif}
  #mwm-report .small{font-size:10px;color:#6b6b78;margin-top:18px;line-height:1.6}
}
@media (max-width:900px){
  .month-row{grid-template-columns:1fr;gap:14px}
  .howw{grid-template-columns:1fr;gap:32px}
}
@media (max-width:640px){
  .mgrid{grid-template-columns:1fr}
  .debts th:nth-child(3),.debts td:nth-child(3){display:none}
}

/* homepage: pain points and worked example */
.pains{list-style:none;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 64px;border-top:1px solid var(--ink)}
.pains li{padding:28px 0;border-bottom:1px solid var(--line)}
.pains h3{font-size:22px;letter-spacing:-.01em;line-height:1.3}
.pains p{color:var(--muted);margin-top:10px;max-width:30em}
.ill-tag{display:block;font-size:13px;margin-top:8px}
.xgrid{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:64px;align-items:start}
.xfacts{list-style:none;border-top:1px solid var(--line-strong)}
.xfacts li{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid var(--line);font-family:var(--display);font-size:14px;color:var(--muted)}
.xfacts b{color:var(--ink);font-weight:500;text-align:right}
.xboard{background:#fff;border-radius:10px;padding:32px;box-shadow:0 1px 0 var(--line),0 18px 40px -24px rgba(20,19,18,.25)}
.xline + .xline{margin-top:28px}
.xcap{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-family:var(--display);font-size:14px;color:var(--muted);margin-bottom:8px}
.xcap b{color:var(--ink);font-weight:600;font-size:16px}
.xtrack{display:flex;height:36px;border-radius:5px;background:var(--wash);overflow:hidden}
.xtrack span{display:block;height:100%}
.xtrack .xa{background:var(--sand)}
.xtrack .xb{background:var(--rust)}
.xkey{display:flex;flex-wrap:wrap;gap:6px 20px;margin-top:8px;font-family:var(--display);font-size:13px;color:var(--muted)}
.xkey i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:7px;vertical-align:-1px}
.xkey b{color:var(--ink);font-weight:500}
.xout{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border-radius:6px;overflow:hidden;margin-top:28px}
.xout div{background:var(--wash);padding:16px 18px}
.xout b{display:block;font-family:var(--display);font-weight:600;font-size:24px;color:var(--ink);font-variant-numeric:tabular-nums;line-height:1.25}
.xout span{font-size:13px;color:var(--muted);line-height:1.4;display:block}
@media (max-width:1000px){.xgrid{grid-template-columns:1fr;gap:32px}}
@media (max-width:700px){.pains{grid-template-columns:1fr}.xout{grid-template-columns:1fr}.xboard{padding:22px 18px}}
.emailme{margin-top:10px}
.emailme > .btn{width:100%}
.emailme .gate-in{margin-top:12px}
.emailme .eerr{font-size:13px;color:#a3321a}
.res .gate-in .field label{color:var(--ink)}

.fineprint{font-size:12.5px;color:var(--muted);line-height:1.5}
.fineprint a{color:inherit}
.flinks{font-family:var(--display);font-size:13px;color:var(--muted);padding-bottom:12px;display:flex;gap:10px;align-items:center}
.flinks a,.flinks button{color:var(--ink);background:none;border:0;font:inherit;cursor:pointer;text-decoration:underline;text-underline-offset:2px;padding:0}
.cookie{position:fixed;left:16px;right:16px;bottom:calc(16px + env(safe-area-inset-bottom,0px));z-index:80;max-width:720px;margin-inline:auto;background:#fff;border-radius:10px;padding:18px 20px;box-shadow:0 0 0 1px var(--line),0 24px 60px -20px rgba(20,19,18,.4);display:flex;gap:18px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cookie p{font-size:14px;color:var(--text);line-height:1.5;flex:1;min-width:240px}
.cookie div{display:flex;gap:8px}
.cookie .btn{height:40px;padding:0 18px;font-size:14px}
@media (max-width:900px){.cookie{bottom:calc(84px + env(safe-area-inset-bottom,0px))}}

/* ===== design pass: dark hero, strategy flows, header webinar link, motion ===== */
.hero-band{background:var(--night);padding-block:0;position:relative;overflow:hidden;border-top:0}
.hero-band .hero{position:relative;z-index:1;padding-block:84px 60px}
.hero-band .hero h1{color:#fff}
.hero-band .hero .lede{color:rgba(255,255,255,.74);max-width:31em}
.hero-band .label.hl{display:block;color:#e7a47f;margin-bottom:20px}
.hero-band .link{color:#fff;border-color:rgba(255,255,255,.35)}
.hero-band .link:hover{border-color:#fff}
.hero-band .chooser{background:rgba(255,255,255,.07);box-shadow:inset 0 0 0 1px rgba(255,255,255,.08)}
.hero-band .chooser h2{color:#fff}
.hero-band .chooser .label.rust{color:#e7a47f}
.hero-band .chooser .alt{color:rgba(255,255,255,.62)}
.hero-band .chooser .alt b{color:#fff;border-color:rgba(255,255,255,.35)}
.hero-band .pick{border-color:transparent}
.hero-band .pick:hover{border-color:var(--rust)}
.hring{position:absolute;left:-170px;bottom:-230px;width:560px;height:560px;opacity:.55;transform:rotate(-24deg);pointer-events:none}
.hring .arc{animation:hringdraw 1.6s cubic-bezier(.3,.7,.2,1) both}
@keyframes hringdraw{from{stroke-dasharray:0 239}to{stroke-dasharray:179 239}}
.hstrip{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1.25fr) repeat(3,minmax(0,1fr));border-top:1px solid rgba(255,255,255,.14)}
.hstrip > *{padding:24px 24px 34px 0}
.hstrip > div{padding-left:24px;border-left:1px solid rgba(255,255,255,.14)}
.hstrip .hs-l{font-family:var(--display);font-size:14px;line-height:1.5;color:rgba(255,255,255,.62)}
.hstrip .hs-l a{display:block;color:#fff;margin-top:4px;text-underline-offset:3px}
.hstrip b{display:block;font-family:var(--display);font-weight:300;font-size:34px;letter-spacing:-.02em;color:#fff;line-height:1.1;font-variant-numeric:tabular-nums}
.hstrip span{display:block;font-family:var(--display);font-size:13px;color:rgba(255,255,255,.6);margin-top:6px;line-height:1.4}
.mflows{margin-top:16px;display:grid;gap:7px}
.mflow{display:flex;align-items:center;gap:8px;font-family:var(--display);font-size:12px;line-height:1.2;flex-wrap:wrap}
.mflow span{padding:5px 9px;border-radius:4px;background:var(--wash);color:var(--ink);box-shadow:inset 0 0 0 1px var(--line)}
.mflow span.d{background:var(--rust-wash);color:var(--rust-dk);box-shadow:none}
.mflow i{width:20px;height:1.5px;background:var(--rust);position:relative;flex:none}
.mflow i::after{content:"";position:absolute;right:-1px;top:-3px;width:6px;height:6px;border-top:1.5px solid var(--rust);border-right:1.5px solid var(--rust);transform:rotate(45deg)}
.nav ul a.web{display:inline-flex;align-items:center;gap:8px;color:var(--ink);font-weight:500}
.nav ul a.web::before{content:"";width:7px;height:7px;border-radius:50%;background:var(--rust);box-shadow:0 0 0 0 rgba(193,83,31,.5);animation:pulse 2.2s ease-out infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(193,83,31,.45)}70%,100%{box-shadow:0 0 0 7px rgba(193,83,31,0)}}
.xtrack span{transition:width 1s cubic-bezier(.3,.7,.2,1)}
.pains li{transition:background .2s}
.strat li{transition:background .2s}
.strat li:hover{background:linear-gradient(to right,var(--wash),transparent 70%)}
@media (max-width:1100px){.nav ul{gap:22px}}
@media (max-width:1000px){.hero-band .hero{padding-block:52px 44px}.hstrip{grid-template-columns:repeat(3,minmax(0,1fr))}.hstrip .hs-l{grid-column:1/-1;padding-bottom:6px}.hstrip > div:nth-child(2){padding-left:0;border-left:0}.hstrip > div{padding-top:14px}}
@media (max-width:560px){.hstrip b{font-size:24px}.hstrip > div{padding-left:14px;padding-right:10px}.hring{width:380px;height:380px;left:-150px;bottom:-170px}}
/* ===== photos: homepage hero and final call-to-action band ===== */
.hero-band{background:linear-gradient(95deg,rgba(20,19,18,.93) 0%,rgba(20,19,18,.82) 42%,rgba(20,19,18,.46) 100%),url(hero.jpg) center 42%/cover no-repeat var(--night)}
.hero-band .chooser{background:rgba(20,19,18,.62);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);box-shadow:inset 0 0 0 1px rgba(255,255,255,.12)}
.hero-band .hring{opacity:.28}
.hero-band .hstrip{border-top-color:rgba(255,255,255,.2)}
.band-night.photo{background:linear-gradient(rgba(20,19,18,.80),rgba(20,19,18,.88)),url(street.jpg) center 62%/cover no-repeat var(--night)}
.band-night.photo .bigring{opacity:.55}
@media (max-width:1000px){.hero-band{background:linear-gradient(rgba(20,19,18,.90),rgba(20,19,18,.86)),url(hero.jpg) center 42%/cover no-repeat var(--night)}}
/* ===== homepage: two routes, advisor, tool list (from the funnel version) ===== */
.routes{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.route{border-radius:10px;padding:30px}
.route.std{background:var(--wash)}
.route.str{background:var(--night);color:rgba(255,255,255,.74)}
.route h3{font-size:24px;letter-spacing:-.015em}
.route.str h3{color:#fff}
.route .tagline{font-size:15px;color:var(--muted);margin-top:4px}
.route.str .tagline{color:rgba(255,255,255,.6)}
.route dl{margin-top:22px}
.route dl div{padding:16px 0;border-top:1px solid var(--line)}
.route.str dl div{border-top-color:rgba(255,255,255,.14)}
.route dt{font-family:var(--display);font-weight:500;font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted)}
.route.str dt{color:#e7a47f}
.route dd{margin-top:6px;font-size:16px;color:var(--text)}
.route.str dd{color:rgba(255,255,255,.86)}
.adv2{display:grid;grid-template-columns:300px minmax(0,1fr);gap:64px;align-items:start}
.adv2 img{width:300px;height:340px;object-fit:cover;border-radius:8px;filter:grayscale(1)}
.adv2 h2{font-weight:300;font-size:clamp(32px,4vw,46px);line-height:1.08;letter-spacing:-.025em;margin-top:12px}
.adv2 .role{font-family:var(--display);font-size:14px;color:var(--muted);margin-top:8px}
.adv2 p.b{margin-top:20px;max-width:38em}
.tlist{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:1px;background:var(--line);border-radius:10px;overflow:hidden}
.tlist a{background:#fff;padding:22px;text-decoration:none;display:flex;flex-direction:column;gap:6px;transition:background .15s}
.tlist a:hover{background:var(--wash)}
.tlist b{font-family:var(--display);font-weight:500;font-size:16px;color:var(--ink)}
.tlist span{font-size:14px;color:var(--muted);line-height:1.5}
@media (max-width:1000px){.adv2{grid-template-columns:1fr;gap:28px}.adv2 img{width:200px;height:220px}.tlist{grid-template-columns:1fr 1fr}}
@media (max-width:700px){.routes{grid-template-columns:1fr}.tlist{grid-template-columns:1fr}}
/* homepage copy pass: longer headline, accent on the second sentence */
.hero-band .hero h1{font-size:clamp(34px,4.3vw,56px);line-height:1.07;letter-spacing:-.03em}
.hero-band .hero h1 em{font-style:normal;color:#e7a47f}
.adv2 p.b + p.b{margin-top:14px}

/* ===== homepage: true cost of a mortgage, team ===== */
.hero-band .hero .assume{font-family:var(--display);font-size:13px;color:rgba(255,255,255,.55);margin-top:14px}
.hero-band .hero .assume a{color:rgba(255,255,255,.85);text-underline-offset:3px}
.costw{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.05fr);gap:64px;align-items:start}
.costw h2{font-weight:300;font-size:clamp(32px,4vw,46px);line-height:1.08;letter-spacing:-.025em}
.costw .cl{color:var(--muted);margin-top:16px;max-width:30em}
.costw .two{display:grid;gap:0;margin-top:26px;border-top:1px solid var(--ink)}
.costw .two > div{padding:20px 0;border-bottom:1px solid var(--line)}
.costw .two h3{font-size:20px}
.costw .two p{margin-top:6px;max-width:32em}
.costw .two b{color:var(--ink);font-weight:600;font-variant-numeric:tabular-nums}
.tcin{display:grid;grid-template-columns:1.5fr 1fr 1.1fr 1fr;gap:12px;margin-top:26px}
.cboard{background:#fff;border-radius:10px;padding:32px;box-shadow:0 1px 0 var(--line),0 18px 40px -24px rgba(20,19,18,.25)}
.crow + .crow{margin-top:24px}
.cc{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-family:var(--display);font-size:15px;color:var(--muted);margin-bottom:8px}
.cc b{color:var(--ink);font-weight:500;font-size:22px}
.crow.big .cc b{font-weight:300;font-size:40px;letter-spacing:-.03em;line-height:1}
.crow.big .cc span{color:var(--ink);font-weight:500}
.ctrack{display:flex;height:34px;border-radius:5px;background:var(--wash);overflow:hidden}
.crow.big .ctrack{height:46px}
.ctrack span{display:block;height:100%;transition:width .4s cubic-bezier(.3,.7,.2,1)}
.s1{background:var(--sand)}.s2{background:#8a8378}.s3{background:var(--rust)}
.ckey{display:flex;flex-wrap:wrap;gap:6px 20px;margin-top:16px;font-family:var(--display);font-size:13px;color:var(--muted)}
.ckey i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:7px;vertical-align:-1px}
.cnote{font-family:var(--display);font-size:15px;color:var(--ink);margin-top:18px;padding-top:16px;border-top:1px solid var(--line)}
.team{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.tm{display:grid;grid-template-columns:120px minmax(0,1fr);gap:26px;align-items:start;background:var(--wash);border-radius:10px;padding:30px}
.tm img{width:120px;height:120px;border-radius:50%;object-fit:cover;filter:grayscale(1)}
.tm .ph{width:120px;height:120px;border-radius:50%;background:#fff;display:flex;align-items:center;justify-content:center}
.tm .ph svg{width:56px;height:56px}
.tm h3{font-size:24px;letter-spacing:-.015em;line-height:1.2}
.tm .tbd{display:inline-block;font-family:var(--display);font-weight:500;font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:#6b3d05;background:#fde9c8;border-radius:3px;padding:2px 7px;vertical-align:middle;margin-left:6px}
.tm .role{font-family:var(--display);font-size:14px;color:var(--muted);margin-top:4px}
.tm p{margin-top:12px;font-size:16px}
.tm .creds{margin-top:16px}
.tlist{grid-template-columns:repeat(3,minmax(0,1fr))}
@media (max-width:1000px){.costw{grid-template-columns:1fr;gap:32px}.team{grid-template-columns:1fr}.tlist{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.tcin{grid-template-columns:1fr 1fr}.cboard{padding:22px 18px}.crow.big .cc b{font-size:30px}.tm{grid-template-columns:1fr;gap:16px;padding:22px 18px}.tm img,.tm .ph{width:88px;height:88px}.tlist{grid-template-columns:1fr}}
/* chart slider + numbers (same look as the refinance chart) */
.scrub{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:32px;align-items:center;margin-top:20px}
.scrub .slabel{font-family:var(--display);font-weight:500;font-size:15px;color:var(--ink);margin-bottom:6px}
.scrub .rng{width:100%}
.sgrid{display:grid;gap:10px}
.sgrid div{background:#fff;border-radius:6px;padding:12px 14px;box-shadow:0 1px 0 var(--line)}
.sgrid b{display:block;font-family:var(--display);font-weight:600;font-size:16px;color:var(--ink);font-variant-numeric:tabular-nums}
.sgrid span{font-family:var(--display);font-size:11.5px;color:var(--muted);line-height:1.4}
.locked .scrub{filter:blur(7px);pointer-events:none;user-select:none}
@media (max-width:800px){.scrub{grid-template-columns:1fr;gap:14px}.sgrid{grid-template-columns:1fr 1fr!important}}
/* ===== phone polish ===== */
@media (max-width:560px){
  section{padding-block:64px}
  .tool-sec{padding-block:44px 64px}
  .sec-head{margin-bottom:32px;gap:14px}
  .tag{font-size:12px}
  .prov{font-size:11px;letter-spacing:.08em}
  .pill{font-size:11px;letter-spacing:.06em;line-height:1.5}
  .scrub .slabel{font-size:14px}
  .sgrid b{font-size:15px}
  .sgrid div{padding:10px 12px}
  .tbl{-webkit-mask-image:linear-gradient(90deg,#000 88%,transparent);mask-image:linear-gradient(90deg,#000 88%,transparent)}
}
/* header tucks away on scroll down */
.hdr{transition:transform .3s cubic-bezier(.3,.7,.2,1)}
.hdr.hdr-hide{transform:translateY(-110%)}
/* live result in the phone bottom bar */
.mbar .mres{flex:1.35;min-width:0;height:46px;display:flex;flex-direction:column;justify-content:center;align-items:flex-start;gap:1px;padding:0 12px;border:0;border-radius:8px;background:var(--night);color:#fff;text-align:left;cursor:pointer;font:inherit}
.mbar .mres span{max-width:100%;font-family:var(--display);font-size:10.5px;line-height:1.2;color:rgba(255,255,255,.62);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.mbar .mres b{max-width:100%;font-family:var(--display);font-weight:600;font-size:16px;line-height:1.2;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.mbar .mres b::after{content:" \2193";color:#e7a47f;font-weight:400}
/* ===== phones: header scrolls away normally, so nothing is ever hidden under it ===== */
@media (max-width:1000px){
  .hdr{position:relative;top:auto}
  .hdr.hdr-hide{transform:none}
  html{scroll-padding-top:12px}
}@media (max-width:560px){
  .tbl{-webkit-mask-image:none;mask-image:none}
  .tbl.scrolls{-webkit-mask-image:linear-gradient(90deg,#000 88%,transparent);mask-image:linear-gradient(90deg,#000 88%,transparent)}
}
/* ===== phones: each debt becomes its own little card ===== */
@media (max-width:700px){
  .debts,.debts tbody{display:block;width:100%}
  .debts thead{display:none}
  .debts tr{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px 8px;align-items:end;background:#fff;border:1px solid var(--line-strong);border-radius:10px;padding:10px 10px 12px;margin-bottom:10px}
  .debts td,.debts th:nth-child(1),.debts td:nth-child(1),.debts td:nth-child(3){display:block!important;padding:0!important;border:0!important;width:auto!important}
  .debts td:nth-child(1){grid-column:1/3;grid-row:1}
  .debts td:last-child{grid-column:3;grid-row:1;justify-self:end;align-self:center}
  .debts td:nth-child(2)::before{content:"Balance"}
  .debts td:nth-child(3)::before{content:"Rate"}
  .debts td:nth-child(4)::before{content:"Payment / mo"}
  .debts td:nth-child(2)::before,.debts td:nth-child(3)::before,.debts td:nth-child(4)::before{display:block;font-family:var(--display);font-size:11.5px;color:var(--muted);margin-bottom:4px}
  .debts input[type=text]{width:100%;height:40px;font-size:15px;font-weight:600;padding:0 10px;border:1px solid var(--line-strong);border-radius:8px;background:var(--wash)}
  .debts td:nth-child(1) input{font-weight:500;background:#fff;border-color:transparent;padding-left:2px;font-size:16px}
  .debts .inp .pre{left:9px;font-size:14px}
  .debts .inp.pre-on input{padding-left:21px}
  .debts .inp .suf{right:8px;font-size:13px}
  .debts .inp.suf-on input{padding-right:22px}
  .debts td.ck{grid-column:1/-1;display:flex!important;align-items:center;gap:10px;text-align:left}
  .debts td.ck::after{content:"Roll this into the new mortgage";font-family:var(--display);font-size:13px;color:var(--ink)}
  .debts td.ck input{flex:none}
}
/* ===== phones: calculators laid out like a native app =====
   result card first, a result bar pinned to the top once it scrolls away,
   inputs as list rows (label left, value right, slider underneath) inside white grouped cards */
@media (max-width:700px){
  .thero{padding-block:22px 16px}
  .thero .pill{display:none}
  .thero h1{font-size:30px;line-height:1.1}
  .thero .sub{font-size:15px;line-height:1.55;margin-top:10px}
  .tool-sec{padding-block:14px 48px}
  .est{gap:18px}
  .est > .res{order:-1}
  .res{padding:20px 18px;border-radius:14px}
  .res .head{font-size:44px}
  .inputs{gap:16px}
  .grp{background:#fff;border-radius:14px;padding:0 16px 4px;box-shadow:0 1px 0 var(--line),0 10px 24px -20px rgba(20,19,18,.3)}
  .grp h3{font-family:var(--display);font-size:11.5px;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--muted);margin:0 -16px;padding:14px 16px 10px;border-bottom:1px solid var(--line)}
  .grp .row2,.grp .row3{display:block}
  .grp .field + .field,.grp .row2 + .field,.grp .field + .row2,.grp .row3 + .field,.grp .field + .row3,.grp .row2 + .row2,.grp .row3 + .row2,.grp .row2 + .row3,.grp .row2 > .field,.grp .row3 > .field{margin-top:0}
  .inputs .field{display:grid;grid-template-columns:minmax(0,1fr) auto;align-items:center;column-gap:12px;row-gap:2px;padding:13px 0;border-top:1px solid var(--line)}
  .grp > h3 + .field,.grp > h3 + .row2 > .field:first-child,.grp > h3 + .row3 > .field:first-child{border-top:0}
  .inputs .field > label{grid-column:1;grid-row:1;font-size:15px;font-weight:500;color:var(--ink);line-height:1.3;margin:0}
  .inputs .field > .inp,.inputs .field > select,.inputs .field > input:not([type=range]){grid-column:2;grid-row:1}
  .inputs .field > .rng,.inputs .field > input[type=range].rng{grid-column:1/-1;margin-top:8px}
  .inputs .field > .note{grid-column:1/-1;font-size:12.5px;margin-top:4px}
  .inputs .inp{display:flex;align-items:center;justify-content:flex-end}
  .inputs .inp .pre,.inputs .inp .suf{position:static;transform:none;font-family:var(--display);font-size:17px;font-weight:600;color:var(--ink);line-height:1}
  .inputs .inp .suf{margin-left:3px;font-size:15px;font-weight:500;color:var(--muted)}
  .inputs .inp input,.inputs .field > input:not([type=range]){width:8ch;min-width:0;max-width:52vw;height:36px;border:0;border-radius:6px;padding:0;background:transparent;text-align:right;font-family:var(--display);font-size:17px;font-weight:600;color:var(--ink);box-shadow:none}
  .inputs .inp.pre-on input{padding-left:0}
  .inputs .inp.suf-on input{padding-right:0}
  .inputs .inp input:focus,.inputs .field > input:not([type=range]):focus{border:0;background:var(--rust-wash);box-shadow:none}
  .inputs .field > select{width:auto;max-width:56vw;height:36px;border:0;border-radius:6px;padding:0 18px 0 6px;-webkit-appearance:none;appearance:none;background:transparent url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='10' height='6' viewBox='0 0 10 6'%3E%3Cpath d='M1 1l4 4 4-4' stroke='%23c1531f' stroke-width='1.6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E") no-repeat right 2px center;text-align:right;text-align-last:right;font-family:var(--display);font-size:16px;font-weight:600;color:var(--ink);box-shadow:none}
  .inputs .field > select:focus{border:0;background-color:var(--rust-wash);box-shadow:none}
  .inputs .field input::placeholder{font-size:14px;font-weight:400;color:var(--muted)}
  .grp > .rng{margin:2px 0 10px}
  .grp > .note,.grp > p.note{margin:6px 0 12px}
  .grp .tgl{border-top:1px solid var(--line);padding:13px 0}
  .grp .segc{margin:12px 0}
  .debts tr{background:var(--wash);border-color:transparent}
}
/* result bar pinned to the top of the screen once the result card scrolls away */
.mtop{display:none}
@media (max-width:1000px){
  .mtop{display:flex;position:fixed;left:0;right:0;top:0;z-index:70;align-items:center;justify-content:space-between;gap:12px;padding:calc(10px + env(safe-area-inset-top,0px)) 16px 10px;border:0;background:var(--night);color:#fff;font:inherit;text-align:left;cursor:pointer;transform:translateY(-105%);transition:transform .25s cubic-bezier(.3,.7,.2,1);box-shadow:0 6px 18px -8px rgba(0,0,0,.45)}
  .mtop.on{transform:none}
  .mtop span{min-width:0;font-family:var(--display);font-size:12.5px;line-height:1.3;color:rgba(255,255,255,.7);white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .mtop b{flex:none;font-family:var(--display);font-weight:600;font-size:19px;letter-spacing:-.01em;font-variant-numeric:tabular-nums}
}
@media (max-width:700px){.grp .row2,.grp .row3,.grp > .field{margin-top:0!important}.inputs .inp .pre{margin-right:1px}}

@media (max-width:700px){.inputs .field > .inp:first-child{grid-column:1/-1;justify-content:flex-start}.inputs .field > .inp:first-child input{width:100%!important;max-width:none;text-align:left}.inputs .inp input:placeholder-shown{width:52vw}}

/* =====================================================================
   Phones: app mode for calculator pages, bottom tab bar, sheets, number pad
   ===================================================================== */
.abar,.m-more,.m-learn{display:none}
@media (max-width:700px){
  /* app bar replaces the website header on calculator pages */
  .m-app .hdr{display:none}
  .m-app .abar{display:grid;grid-template-columns:44px minmax(0,1fr) 44px;align-items:center;position:sticky;top:0;z-index:80;height:52px;padding:0 6px;padding-top:env(safe-area-inset-top,0px);background:var(--night);color:#fff}
  .m-app .ab-btn{display:grid;place-items:center;width:44px;height:44px;border:0;background:none;color:#fff;cursor:pointer;border-radius:10px}
  .m-app .ab-btn svg{width:22px;height:22px}
  .m-app .ab-btn:active{background:rgba(255,255,255,.1)}
  .m-app .ab-t{text-align:center;font-family:var(--display);font-weight:600;font-size:16px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .m-app .mtop{top:52px;padding-top:9px;padding-bottom:9px;background:#26231f}
  /* only the calculator on screen */
  .m-app .thero{display:none}
  .m-app .tool-sec{padding-block:14px 24px}
  .m-app main > section:not(.tool-sec){display:none}
  .m-app.m-learned main > section:not(.tool-sec):not([data-calendar]){display:block}
  .m-app .m-learn{display:block;padding:4px 16px 28px;background:var(--cream)}
  .m-app .m-learn button{width:100%;height:50px;border:1px solid var(--line-strong);border-radius:12px;background:#fff;font-family:var(--display);font-weight:500;font-size:15px;color:var(--ink);cursor:pointer}
  .m-app .m-learn button::after{content:"  \2193";color:var(--rust)}
  /* result card: headline numbers, the rest on tap */
  .m-app .res .lines,.m-app .res .cash,.m-app .res .btns,.m-app .res .next,.m-app .res .smsg{display:none}
  .m-app .res.m-open .lines,.m-app .res.m-open .cash,.m-app .res.m-open .next{display:block}
  .m-app .res.m-open .btns{display:flex}
  .m-app .res .m-more{display:block;width:100%;height:44px;margin-top:16px;border:1px solid rgba(255,255,255,.18);border-radius:10px;background:rgba(255,255,255,.06);color:#fff;font-family:var(--display);font-weight:500;font-size:14px;cursor:pointer}
  .m-app .res #emailme{margin-top:10px}
  .m-app .tbl{display:none}
  .m-app .tbl.m-open{display:block}
  .m-app .m-tbl{display:block;width:100%;height:46px;margin-top:18px;border:1px solid var(--line-strong);border-radius:12px;background:#fff;color:var(--ink);font-family:var(--display);font-weight:500;font-size:14px;cursor:pointer}
  .m-app .detail{margin-top:22px}
  /* number boxes open the pad, so they read as tappable values */
  .m-app .inputs .inp input{cursor:pointer;caret-color:transparent;-webkit-user-select:none;user-select:none}
  .m-app .inputs .inp{border-radius:8px;padding:2px 6px;margin-right:-6px;background:var(--wash)}
  /* leave room for the tab bar */
  .m-app body{padding-bottom:calc(70px + env(safe-area-inset-bottom,0px))}
}

/* bottom tab bar */
@media (max-width:1000px){
  .mbar.tabs5{display:grid;grid-template-columns:repeat(4,1fr);gap:0;padding:6px 6px calc(6px + env(safe-area-inset-bottom,0px));background:rgba(255,255,255,.97);border-top:1px solid var(--line)}
  .mbar.tabs5 .tb{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:3px;height:52px;border:0;background:none;color:var(--muted);text-decoration:none;font-family:var(--display);font-size:11px;font-weight:500;cursor:pointer;border-radius:12px}
  .mbar.tabs5 .tb svg{width:23px;height:23px}
  .mbar.tabs5 .tb.on{color:var(--ink)}
  .mbar.tabs5 .tb.on svg{color:var(--rust)}
  .mbar.tabs5 .tb.book{color:#fff;background:var(--rust);margin:0 4px}
  .mbar.tabs5 .tb:active{background:var(--wash)}
  .mbar.tabs5 .tb.book:active{background:var(--rust-dk)}
}

/* bottom sheets */
.msheet{position:fixed;inset:0;z-index:200}
.msheet .ms-back{position:absolute;inset:0;background:rgba(20,19,18,.45);opacity:0;transition:opacity .25s}
.msheet .ms-panel{position:absolute;left:0;right:0;bottom:0;background:#fff;border-radius:18px 18px 0 0;padding:10px 18px calc(18px + env(safe-area-inset-bottom,0px));transform:translateY(100%);transition:transform .28s cubic-bezier(.3,.7,.2,1);box-shadow:0 -10px 40px rgba(0,0,0,.2)}
.msheet.on .ms-back{opacity:1}
.msheet.on .ms-panel{transform:none}
.msheet{touch-action:none;overscroll-behavior:contain}
.ms-grab{width:40px;height:5px;border-radius:3px;background:var(--sand);margin:2px auto 14px}
.ms-nav a{display:block;padding:15px 4px;border-bottom:1px solid var(--line);font-family:var(--display);font-weight:500;font-size:17px;color:var(--ink);text-decoration:none}
.ms-cta{display:flex;width:100%;height:52px;margin-top:16px;justify-content:center}
/* number pad */
.kp .kp-l{font-family:var(--display);font-size:14px;color:var(--muted);text-align:center}
.kp .kp-v{font-family:var(--display);font-weight:600;font-size:38px;letter-spacing:-.02em;color:var(--ink);text-align:center;margin:4px 0 14px;font-variant-numeric:tabular-nums;min-height:48px;overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.kp .kp-keys{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.kp .kp-keys button{height:56px;border:0;border-radius:12px;background:var(--wash);font-family:var(--display);font-weight:500;font-size:24px;color:var(--ink);cursor:pointer;display:grid;place-items:center}
.kp .kp-keys button:active{background:var(--sand)}
.kp .kp-keys button svg{width:26px;height:26px}
.kp .kp-act{display:grid;grid-template-columns:1fr 2fr;gap:10px;margin-top:12px}
.kp .kp-act .btn{height:52px}
/* toast */
.mtoast{position:fixed;left:50%;bottom:calc(84px + env(safe-area-inset-bottom,0px));z-index:210;transform:translate(-50%,20px);opacity:0;pointer-events:none;background:var(--night);color:#fff;font-family:var(--display);font-size:14px;padding:10px 16px;border-radius:10px;transition:opacity .2s,transform .2s}
.mtoast.on{opacity:1;transform:translate(-50%,0)}

@media (max-width:700px){
  .m-app .res:not(.m-open) .tabs,.m-app .res:not(.m-open) .bd{display:none}
  .m-app footer .fmark,.m-app footer .vine{display:none}
  .m-app footer .contact{padding-block:28px 18px;gap:18px}
  .m-app footer h3{font-size:20px}
}
.vweb{margin-top:10px}

/* ===== header dropdowns: Strategies and Tools ===== */
.nav ul li.dd{position:relative}
.dd-t{display:inline-flex;align-items:center;gap:6px;border:0;background:none;padding:10px 0;font-family:var(--display);font-size:14px;color:var(--muted);cursor:pointer}
.dd-t svg{width:10px;height:7px;transition:transform .2s}
.dd:hover .dd-t,.dd.open .dd-t,.dd:focus-within .dd-t{color:var(--ink)}
.dd:hover .dd-t svg,.dd.open .dd-t svg{transform:rotate(180deg)}
.dd-p{position:absolute;top:100%;left:50%;z-index:90;width:560px;display:grid;grid-template-columns:1fr 1fr;gap:2px;padding:10px;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 30px 60px -24px rgba(20,19,18,.35);opacity:0;visibility:hidden;transform:translate(-50%,10px);transition:opacity .18s,transform .18s,visibility .18s}
.dd-p::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
.dd:hover .dd-p,.dd:focus-within .dd-p,.dd.open .dd-p{opacity:1;visibility:visible;transform:translate(-50%,4px)}
.dd-p a{display:block;padding:12px 14px;border-radius:10px;text-decoration:none;transition:background .15s}
.dd-p a:hover{background:var(--wash)}
.dd-p b{display:block;font-family:var(--display);font-weight:500;font-size:14.5px;color:var(--ink)}
.dd-p span{display:block;font-family:var(--body);font-size:13px;line-height:1.4;color:var(--muted);margin-top:2px}
.dd-p a.dd-all b::after{content:" \2192";color:var(--rust)}

/* ===== footer: identity stacked left, links right ===== */
.fgrid{display:grid;grid-template-columns:minmax(0,.85fr) minmax(0,1.5fr);gap:80px;align-items:start;padding-block:60px 44px}
.contact.fstack{display:block;padding:0}
.contact.fstack > div:first-child{padding-right:0}
.contact.fstack > div + div{border-left:0;padding-left:0;margin-top:30px;padding-top:30px;border-top:1px solid var(--line)}
.contact.fstack .fmark{font-size:30px;margin-bottom:14px}
.contact.fstack h3{font-size:26px;margin-top:22px}
.contact.fstack .vine{height:44px;width:auto}
.contact.fstack .lic{margin-top:16px}
.ftag{font-family:var(--display);font-size:14.5px;line-height:1.55;color:var(--muted);max-width:24em}
.vweb{margin-top:12px}
.fnav{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}
.fgrid .fnav{padding-top:8px}
.fnav b{display:block;font-family:var(--display);font-weight:600;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin-bottom:14px}
.fnav a{display:block;padding:6px 0;font-family:var(--display);font-size:15px;color:var(--ink);text-decoration:none;transition:color .15s}
.fnav a:hover{color:var(--rust-dk)}
@media (max-width:900px){.fgrid{grid-template-columns:1fr;gap:40px;padding-block:44px 32px}}
@media (max-width:560px){.fnav{grid-template-columns:1fr 1fr;gap:24px}.fnav > div:last-child{grid-column:1/-1}}

/* ===== footer v2: tighter, both columns carry weight ===== */
.fgrid{grid-template-columns:minmax(0,1fr) minmax(0,1.9fr);gap:64px;padding-block:52px 40px}
.contact.fstack > div + div{margin-top:22px;padding-top:22px}
.contact.fstack .fmark{font-size:26px;margin-bottom:10px}
.contact.fstack .ftag{margin-bottom:0}
.contact.fstack h3{font-size:21px;margin-top:18px;margin-bottom:4px}
.contact.fstack p{margin:0;line-height:1.6;font-size:13.5px}
.contact.fstack .ln{margin-top:10px}
.contact.fstack .ln + .ln{margin-top:6px}
.contact.fstack .vine{height:34px}
.contact.fstack .lic{margin-top:10px}
.fright{display:flex;flex-direction:column;gap:26px;padding-top:6px}
.fright .fnav{padding-top:0}
.fnav b{margin-bottom:10px}
.fnav a{padding:4px 0;font-size:14.5px}
.fright .prov{margin:0;padding:22px 0 0;border-top:1px solid var(--line);text-align:left;letter-spacing:.14em}
.fright .flinks:not(:has(button)){display:none}
.fright .flinks{margin:0}
.fright .disc{margin:0;font-size:12px;line-height:1.65}
@media (max-width:900px){.fgrid{grid-template-columns:1fr;gap:34px;padding-block:40px 28px}}

/* ===== strategy pages: hero actions and quick facts ===== */
.tcta{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.tcta .btn{height:52px;padding:0 26px}
.tfacts{list-style:none;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:0;margin-top:44px;border-top:1px solid var(--ink)}
.tfacts li{padding:18px 28px 0 0;font-size:15px;line-height:1.55;color:var(--text)}
.tfacts li + li{padding-left:28px;border-left:1px solid var(--line)}
.tfacts b{display:block;font-family:var(--display);font-weight:600;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--rust);margin-bottom:6px}

/* ===== in plain English ===== */
.plain{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,1fr);gap:72px;align-items:start}
.plain h2{font-weight:300;font-size:clamp(32px,4vw,46px);line-height:1.08;letter-spacing:-.025em;margin-bottom:22px}
.plain-copy p{font-size:17px;line-height:1.7;color:var(--text);max-width:34em}
.plain-copy p + p{margin-top:16px}
.plain-copy .ex{margin-top:24px;padding:18px 20px;border-left:3px solid var(--rust);background:var(--wash);font-size:15.5px;color:var(--text)}
.plain-copy .ex b{font-family:var(--display);font-weight:600;color:var(--ink)}
.setup{background:var(--night);color:rgba(255,255,255,.75);border-radius:18px;padding:32px 32px 28px}
.setup h3{color:#fff;font-size:20px;margin-bottom:6px}
.setup > p{font-size:14.5px;margin-bottom:16px}
.setup ul{list-style:none}
.setup li{position:relative;padding:12px 0 12px 30px;border-top:1px solid rgba(255,255,255,.12);font-size:15px;line-height:1.5}
.setup li::before{content:"\2713";position:absolute;left:0;top:12px;color:var(--rust);font-family:var(--display);font-weight:600}
.setup li b{color:#fff;font-weight:600}

/* ===== how working with me works ===== */
.proc-sec{background:var(--wash)}
.proc-head{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:72px;align-items:end;margin-bottom:48px}
.proc-head h2{font-weight:300;font-size:clamp(32px,4vw,46px);line-height:1.08;letter-spacing:-.025em}
.proc-head p{color:var(--muted);max-width:34em}
.proc{list-style:none;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;counter-reset:none}
.proc li{position:relative;background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 24px 28px}
.proc li:not(:last-child)::after{content:"";position:absolute;top:44px;right:-19px;width:20px;height:1px;background:var(--rust)}
.proc-n{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--rust-wash);color:var(--rust-dk);font-family:var(--display);font-weight:600;font-size:14px}
.proc li:last-child .proc-n{background:var(--rust);color:#fff}
.proc h3{font-size:20px;margin:18px 0 8px}
.proc p{font-size:14.5px;line-height:1.6;color:var(--muted)}
.proc-cta{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin-top:34px}
.proc-cta .btn{height:52px;padding:0 26px}
.proc-cta span{font-size:14.5px;color:var(--muted)}

/* ===== client reviews strip ===== */
.qt-head{display:flex;justify-content:space-between;align-items:end;gap:24px;flex-wrap:wrap;margin-bottom:36px}
.qt-head h2{font-weight:300;font-size:clamp(30px,3.6vw,42px);line-height:1.1;letter-spacing:-.025em}
.qt-head p{color:var(--muted);font-size:15px}
.qt-head b{color:var(--ink);font-family:var(--display);font-weight:500}
.qt-head a{color:var(--ink)}
.qt-head .gstars{color:#e8a33d;letter-spacing:2px}
.qt-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.qt-grid figure{display:flex;flex-direction:column;justify-content:space-between;gap:20px;margin:0;padding:26px;border:1px solid var(--line);border-radius:16px;background:#fff}
.qt-grid blockquote{margin:0;font-size:15px;line-height:1.65;color:var(--text);display:-webkit-box;-webkit-line-clamp:7;-webkit-box-orient:vertical;overflow:hidden}
.qt-grid blockquote::before{content:"\201C";display:block;font-family:var(--display);font-size:40px;line-height:.8;color:var(--rust);margin-bottom:6px}
.qt-grid figcaption b{display:block;font-family:var(--display);font-weight:500;color:var(--ink)}
.qt-grid figcaption span{font-size:13px;color:var(--muted)}

@media (max-width:1000px){
  .proc{grid-template-columns:1fr 1fr}
  .proc li::after{display:none}
  .qt-grid{grid-template-columns:1fr}
  .qt-grid figure:nth-child(n+3){display:none}
}
@media (max-width:900px){
  .plain,.proc-head{grid-template-columns:1fr;gap:28px}
  .tfacts{grid-template-columns:1fr;margin-top:32px}
  .tfacts li,.tfacts li + li{padding:14px 0;border-left:0;border-bottom:1px solid var(--line)}
}
@media (max-width:600px){
  .proc{grid-template-columns:1fr}
  .setup{padding:26px 22px 22px}
  .tcta .btn{flex:1 1 auto}
}

/* ===== phone menu: expandable Strategies and Tools ===== */
.mnav details{border-bottom:1px solid var(--line)}
.mnav summary{list-style:none;display:flex;justify-content:space-between;align-items:center;padding:12px 0;font-family:var(--display);font-size:17px;color:var(--ink);cursor:pointer}
.mnav summary::-webkit-details-marker{display:none}
.mnav summary::after{content:"";width:8px;height:8px;margin-right:4px;border-right:1.6px solid var(--rust);border-bottom:1.6px solid var(--rust);transform:translateY(-3px) rotate(45deg);transition:transform .2s}
.mnav details[open] summary::after{transform:translateY(2px) rotate(225deg)}
.mnav .mg{margin:0 0 12px 2px;padding-left:16px;border-left:2px solid var(--rust-wash)}
.mnav .mg a{padding:9px 0;font-size:15.5px;color:var(--text);border-bottom:0}

/* ===== two ways to use the tax refunds (Rental Cash Damming, Debt Swap) ===== */
.uses-sec{margin-top:56px}
.uses-ctl{display:flex;flex-wrap:wrap;align-items:flex-end;gap:12px 16px;margin:6px 0 20px}
.uses-ctl .field{min-width:150px}
.uses{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}
.use{position:relative;background:#fff;border:1px solid var(--line);border-radius:16px;padding:24px 24px 22px;display:flex;flex-direction:column;gap:6px}
.use .n{display:inline-flex;align-items:center;justify-content:center;width:30px;height:30px;border-radius:50%;background:var(--wash);font-family:var(--display);font-weight:600;font-size:13px;color:var(--muted)}
.use h4{font-family:var(--display);font-weight:500;font-size:17px;color:var(--ink);margin-top:8px}
.use .v{font-family:var(--display);font-weight:300;font-size:clamp(28px,3.2vw,36px);line-height:1.1;letter-spacing:-.02em;color:var(--ink);font-variant-numeric:tabular-nums}
.use .vl{font-size:13.5px;color:var(--muted);margin-top:-2px}
.use dl{margin:10px 0 0;border-top:1px solid var(--line)}
.use dl div{display:flex;justify-content:space-between;gap:12px;padding:8px 0;border-bottom:1px solid var(--line);font-size:14.5px}
.use dt{color:var(--muted)}
.use dd{margin:0;font-family:var(--display);font-weight:500;color:var(--ink);font-variant-numeric:tabular-nums;text-align:right}
.use p{font-size:14px;line-height:1.55;color:var(--muted);margin-top:6px}
.use p b{color:var(--ink);font-weight:600}
.use .tagb{display:none;position:absolute;top:20px;right:20px;font-family:var(--display);font-weight:600;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:#fff;background:var(--rust);border-radius:4px;padding:4px 8px}
.use.best{border-color:var(--rust);box-shadow:0 0 0 1px var(--rust)}
.use.best .tagb{display:block}
.use.best .n{background:var(--rust-wash);color:var(--rust-dk)}
.uses-note{font-size:13px;color:var(--muted);margin-top:12px}
@media (max-width:760px){.uses{grid-template-columns:1fr}}
.uses-sum{margin-top:18px;padding:16px 20px;border-radius:12px;background:#fff;border-left:3px solid var(--rust);font-size:15px;line-height:1.6;color:var(--text)}
.uses-sum b{color:var(--ink)}
.use .field label{font-size:13.5px}

.use dt small{display:block;font-size:12px;color:var(--muted);font-weight:400}
.use .u-tot dt,.use .u-tot dd{font-weight:600;color:var(--ink)}
.use .u-tot{border-top:1.5px solid var(--ink)!important}

/* the last dropdown opens to the left so it stays on screen */
.nav .dd.dd-r .dd-p{left:auto;right:0;width:310px;grid-template-columns:1fr;transform:none}

/* strategy calculators: chart, table and comparison unlock with an email (OWNMORE.detailGate) */
.locked{position:relative}
.uses-sec.locked{min-height:620px}
.uses-sec.locked > :not(.gate){filter:blur(6px);pointer-events:none;user-select:none}
.gate .fineprint{font-size:12px;color:var(--muted);text-align:center;margin-top:-4px}
.gate .fineprint a{color:inherit}
/* ===== strategy articles ===== */
.art-hero{max-width:46em}
.art-k{display:block;font-family:var(--display);font-weight:600;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--rust);margin-bottom:12px}
.art-ctas{display:flex;align-items:center;gap:24px;flex-wrap:wrap;margin-top:26px}
.art-ctas .btn{height:52px;padding:0 24px}
.ex-sec{padding-block:72px}
.ex{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:48px;align-items:center;background:#fff;border-radius:18px;padding:36px;box-shadow:0 1px 0 var(--line),0 30px 60px -40px rgba(20,19,18,.35)}
.ex h2{font-weight:300;font-size:clamp(28px,3.2vw,38px);letter-spacing:-.02em;line-height:1.1}
.ex-copy > p{color:var(--muted);font-size:15.5px;margin-top:12px}
.ex-stats{display:grid;gap:14px;margin:22px 0 4px}
.ex-stats div{display:grid;grid-template-columns:150px 1fr;gap:14px;align-items:baseline;padding-bottom:12px;border-bottom:1px solid var(--line)}
.ex-stats b{font-family:var(--display);font-weight:500;font-size:24px;color:var(--ink);letter-spacing:-.01em;font-variant-numeric:tabular-nums}
.ex-stats span{font-size:14.5px;color:var(--muted)}
.ex-stats b span{font:inherit;color:inherit}
.ex-fine{font-size:12.5px;color:var(--muted);margin:12px 0 20px}
.ex-chart svg{display:block;width:100%;height:auto}
.ex-leg{display:flex;gap:18px;flex-wrap:wrap;margin-top:8px;font-family:var(--display);font-size:13px;color:var(--muted)}
.ex-leg i{display:inline-block;width:16px;height:3px;border-radius:2px;background:#c1531f;vertical-align:middle;margin-right:6px}
.ex-leg i.d{background:repeating-linear-gradient(90deg,#8a847c 0 4px,transparent 4px 7px)}
@media (max-width:900px){.ex{grid-template-columns:1fr;gap:28px;padding:24px 20px}.ex-stats div{grid-template-columns:1fr;gap:2px}.ex-sec{padding-block:48px}}
/* strategy walk-through: one column of steps along a rust line, each led by when it happens */
.walk-sec{border-top:1px solid var(--line)}
.walk{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:72px;align-items:start}
.walk-intro{position:sticky;top:96px}
.walk-intro h2{font-weight:300;font-size:clamp(32px,4vw,46px);line-height:1.08;letter-spacing:-.025em;margin-top:14px}
.walk-intro p{color:var(--muted);margin-top:18px;max-width:30em}
.steps{list-style:none;margin:0;padding:0;border-left:2px solid var(--sand)}
.steps li{position:relative;padding:0 0 34px 34px}
.steps li:last-child{padding-bottom:0}
.steps li::before{content:"";position:absolute;left:-8px;top:4px;width:14px;height:14px;border-radius:50%;background:#fff;border:3px solid var(--rust)}
.steps .when{display:block;font-family:var(--display);font-weight:600;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--rust-dk)}
.steps h3{font-weight:500;font-size:21px;line-height:1.3;margin-top:4px}
.steps p{margin-top:8px;color:var(--text);max-width:40em}
.steps p + p{margin-top:10px}
.pitfalls{margin-top:56px;background:var(--wash);border-radius:18px;padding:30px 32px 26px}
.pitfalls h3{font-weight:500;font-size:21px}
.pitfalls > p{color:var(--muted);margin-top:6px}
.pitfalls ul{list-style:none;margin-top:14px}
.pitfalls li{position:relative;padding:12px 0 12px 30px;border-top:1px solid var(--line)}
.pitfalls li::before{content:"\2715";position:absolute;left:0;top:12px;color:var(--rust);font-family:var(--display);font-weight:600}
.pitfalls li b{color:var(--ink);font-weight:600}
@media (max-width:860px){
  .walk{grid-template-columns:1fr;gap:32px}
  .walk-intro{position:static}
  .pitfalls{padding:24px 20px 18px;margin-top:40px}
}
/* long-form strategy article: a jump-to menu beside readable prose */
.art-sec{padding-block:88px}
.art-grid{display:grid;grid-template-columns:220px minmax(0,1fr);gap:72px;align-items:start}
.art-toc{position:sticky;top:96px;font-family:var(--display)}
.art-toc b{display:block;font-weight:600;font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--rust-dk);margin-bottom:10px}
.art-toc a{display:block;padding:8px 0 8px 14px;border-left:2px solid var(--sand);font-size:14px;line-height:1.4;color:var(--muted);text-decoration:none}
.art-toc a:hover{color:var(--ink);border-left-color:var(--rust)}
.art-body{max-width:44em}
.art-body h2{font-weight:300;font-size:clamp(30px,3.6vw,42px);line-height:1.1;letter-spacing:-.025em}
.art-body h3{font-weight:500;font-size:22px;line-height:1.3;margin-top:44px;scroll-margin-top:96px}
.art-body p{margin-top:14px;font-size:17px;line-height:1.75;color:var(--text)}
.art-body > p:first-of-type{font-size:19px;color:var(--ink)}
.art-body a{color:var(--rust-dk);text-underline-offset:3px}
@media (max-width:860px){
  .art-sec{padding-block:56px}
  .art-grid{grid-template-columns:1fr;gap:0}
  .art-toc{display:none}
  .art-body p{font-size:16.5px}
}
/* phones: the footer's link lists repeat the menu, so only the contact details, licences and disclaimer stay */
@media (max-width:760px){footer .fnav{display:none}}