/* Close With Craig — preview. Calm bank-grade layout (white, one navy, one gold), Public Sans. */
:root{
  --navy:#1f3a5c; --navy-d:#142840; --navy-50:#eef2f7; --ink:#1b2430; --muted:#5b6675; --line:#dfe4ea;
  --bg2:#f5f7fa; --gold:#c9972c; --gold-l:#f6ecd4; --ok:#1f7a4d; --wrap:1360px; --r:10px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
[id]{scroll-margin-top:140px}
body{margin:0;font:400 17px/1.6 'Public Sans',system-ui,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img,video{max-width:100%;display:block}
a{color:var(--navy)}
h1,h2,h3,h4{font-weight:600;letter-spacing:-.015em;line-height:1.15;margin:0 0 .5em;color:var(--ink)}
h1{font-size:clamp(34px,4.4vw,54px);font-weight:500;letter-spacing:-.025em}
h2{font-size:clamp(27px,3vw,38px);font-weight:500;letter-spacing:-.02em}
h3{font-size:20px}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 32px}
.muted{color:var(--muted)}
.eyebrow{font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-bottom:14px;display:block}
.num{font-variant-numeric:tabular-nums}
sup{font-size:.6em}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 24px;border-radius:6px;font:600 16px/1.2 inherit;text-decoration:none;border:1.5px solid var(--navy);background:var(--navy);color:#fff;cursor:pointer;transition:background .15s,color .15s,border-color .15s;white-space:nowrap}
.btn:hover{background:var(--navy-d);border-color:var(--navy-d)}
.btn.ghost{background:#fff;color:var(--navy)}
.btn.ghost:hover{background:var(--navy-50)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:#1b1405}
.btn.gold:hover{background:#b48424;border-color:#b48424}
.btn.white{background:#fff;border-color:#fff;color:var(--navy)}
.btn.line-w{background:transparent;border-color:rgba(255,255,255,.6);color:#fff}
.btn.line-w:hover{background:rgba(255,255,255,.1)}
.btn.sm{padding:9px 16px;font-size:15px}
.acts{display:flex;flex-wrap:wrap;gap:12px}
.lnk{font-weight:600;text-decoration:none;display:inline-flex;align-items:center;gap:6px}
.lnk:after{content:'›';font-size:1.3em;line-height:1;transform:translateY(-1px)}
.lnk:hover{text-decoration:underline}

/* top bar + header */
.topbar{background:var(--navy-d);color:#c9d3e0;font-size:13.5px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:38px}
.topbar a{color:#fff;text-decoration:none}
.topbar .tb-l{display:flex;gap:22px;flex-wrap:wrap}
.topbar .tb-r{display:flex;gap:18px;align-items:center}
.topbar svg{width:15px;height:15px;fill:#fff;vertical-align:-2px}
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;gap:28px;min-height:78px}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:var(--ink);flex:0 0 auto}
.brand img{height:40px;width:auto}
.brand .who{border-left:1px solid var(--line);padding-left:14px;line-height:1.15}
.brand .who b{display:block;font-size:17px;font-weight:600}
.brand .who span{font-size:12.5px;color:var(--muted)}
nav.main{display:flex;gap:4px;margin-left:auto;align-items:center}
nav.main>a,nav.main .dd>a{padding:10px 12px;border-radius:6px;text-decoration:none;color:var(--ink);font-weight:500;font-size:16px;white-space:nowrap}
nav.main>a:hover,nav.main .dd>a:hover,nav.main a.on{color:var(--navy);background:var(--navy-50)}
.dd{position:relative}
.dd>a:after{content:'';display:inline-block;width:7px;height:7px;border-right:1.5px solid currentColor;border-bottom:1.5px solid currentColor;transform:rotate(45deg);margin:0 0 3px 8px}
.ddm{position:absolute;left:-20px;top:calc(100% + 6px);background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 16px 36px rgba(20,40,64,.12);padding:20px 22px 0;display:none;grid-template-columns:repeat(3,1fr);gap:0 26px;width:640px}
.ddm:before{content:'';position:absolute;left:0;right:0;top:-10px;height:10px}
.dd:hover .ddm,.dd:focus-within .ddm{display:grid}
.ddc h5{margin:0 0 8px;font-size:11.5px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted)}
.ddc a{display:block;padding:7px 8px;margin:0 -8px;border-radius:6px;text-decoration:none;color:var(--ink);line-height:1.3}
.ddc a:hover{background:var(--bg2)}
.ddc a:hover b{color:var(--navy)}
.ddc b{display:block;font-weight:600;font-size:15px}
.ddc span{display:block;font-size:13px;color:var(--muted);margin-top:1px}
.ddf{grid-column:1/-1;display:flex;justify-content:space-between;align-items:center;border-top:1px solid var(--line);margin:14px -22px 0;padding:12px 22px;background:var(--bg2);border-radius:0 0 12px 12px;font-size:14px}
.ddf a{font-weight:600;text-decoration:none}
.ddf span{color:var(--muted)}
.hd-acts{display:flex;gap:10px}
.burger{display:none;margin-left:auto;width:44px;height:44px;border:1px solid var(--line);border-radius:8px;background:#fff;cursor:pointer}
.burger span{display:block;width:20px;height:2px;background:var(--ink);margin:4px auto}
.mnav{display:none}

/* section tabs (sticky secondary nav) */
.tabs{position:sticky;top:79px;z-index:40;background:#fff;border-bottom:1px solid var(--line)}
.tabs .wrap{display:flex;gap:6px;overflow-x:auto;scrollbar-width:none}
.tabs .wrap::-webkit-scrollbar{display:none}
.tabs a{padding:15px 14px 13px;text-decoration:none;color:var(--muted);font-weight:500;font-size:15.5px;border-bottom:3px solid transparent;white-space:nowrap}
.tabs a:hover{color:var(--ink)}
.tabs a.on{color:var(--navy);border-color:var(--navy)}

/* hero */
.hero{padding:64px 0 72px}
.hero .wrap{display:grid;grid-template-columns:1fr 1.02fr;gap:64px;align-items:center}
.hero h1{margin-bottom:20px}
.hero h1 em{font-style:normal;color:var(--navy)}
.hero .lead{font-size:19px;color:var(--muted);max-width:30em;margin-bottom:22px}
.checks{list-style:none;padding:0;margin:0 0 30px}
.checks li{position:relative;padding-left:30px;margin:0 0 10px;font-size:16.5px}
.checks li:before{content:'';position:absolute;left:2px;top:4px;width:18px;height:18px;border-radius:50%;background:var(--navy-50)}
.checks li:after{content:'';position:absolute;left:8px;top:8px;width:5px;height:9px;border-right:2px solid var(--navy);border-bottom:2px solid var(--navy);transform:rotate(40deg)}
.hero .fine{font-size:13px;color:var(--muted);margin-top:18px}
.hcard{position:relative;background:linear-gradient(160deg,#284a73 0%,var(--navy) 45%,var(--navy-d) 100%);border-radius:18px;min-height:540px;overflow:hidden;color:#fff}
.hcard:before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 78% 22%,rgba(255,255,255,.14),transparent 46%);pointer-events:none}
.hcard .anchor{position:absolute;right:26px;top:24px;width:96px;opacity:.12}
.hcard .craig{position:absolute;right:-3%;bottom:0;height:96%;width:auto;max-width:none;filter:drop-shadow(0 20px 30px rgba(0,0,0,.25))}
.hcard .hi{position:absolute;left:32px;top:34px;max-width:36%;z-index:2}
.hcard .hi small{display:block;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:#a9bad0;margin-bottom:8px}
.hcard .hi b{display:block;font-size:26px;font-weight:500;line-height:1.2}
.hcard .hi p{color:#c9d5e4;font-size:15px;margin:10px 0 0}
.chip{position:absolute;background:#fff;color:var(--ink);border-radius:12px;box-shadow:0 14px 34px rgba(0,0,0,.2);padding:14px 16px;font-size:14px;line-height:1.35}
.chip b{font-size:15px}
.chip.r1{left:28px;bottom:122px}
.chip.r2{left:28px;bottom:30px;display:flex;gap:12px;align-items:center}
.stars{color:var(--gold);letter-spacing:1px;font-size:15px}
.chip .seal{width:40px;height:40px;border-radius:50%;background:var(--navy);display:grid;place-items:center;flex:0 0 40px}
.chip .seal svg{width:22px;height:22px;stroke:#fff}

/* path tiles */
.paths{padding:8px 0 76px}
.paths .grid{display:grid;grid-template-columns:repeat(6,1fr);gap:14px}
.path{border:1px solid var(--line);border-radius:var(--r);padding:22px 18px 20px;text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s,transform .15s;background:#fff}
.path:hover{border-color:var(--navy);box-shadow:0 10px 26px rgba(20,40,64,.1);transform:translateY(-2px)}
.path i{width:44px;height:44px;border-radius:50%;background:var(--navy-50);display:grid;place-items:center;margin-bottom:16px}
.path i svg{width:22px;height:22px;stroke:var(--navy)}
.path b{display:block;font-weight:600;font-size:16.5px;margin-bottom:4px}
.path span{font-size:14px;color:var(--muted);line-height:1.45;display:block}

/* sections */
section.s{padding:84px 0}
section.alt{background:var(--bg2)}
.shead{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:36px}
.shead p{color:var(--muted);max-width:36em;margin:0}
.shead h2{margin-bottom:10px}
.center{text-align:center}
.center .shead{justify-content:center}

/* split media rows (Chase-style alternating) */
.row{display:grid;grid-template-columns:1fr 1fr;gap:72px;align-items:center}
.row.rev .media{order:2}
.media{border-radius:14px;overflow:hidden;position:relative}
.media img{width:100%;height:100%;object-fit:cover}
.row .copy p{color:var(--muted);font-size:17.5px}

/* letter from Craig */
.letter{display:grid;grid-template-columns:.9fr 1.1fr;gap:72px;align-items:center}
.letter .ph{position:relative}
.letter .ph .main{border-radius:14px;overflow:hidden;aspect-ratio:4/5;background:var(--gold-l)}
.letter .ph .main img{width:100%;height:100%;object-fit:cover;object-position:50% 40%}
.letter .ph .tag{position:absolute;right:-22px;bottom:34px;background:#fff;border-radius:12px;box-shadow:0 14px 34px rgba(20,40,64,.16);padding:14px 18px;font-size:14px;line-height:1.4;max-width:240px}
.letter .ph .tag b{display:block;font-size:15px}
.letter blockquote{margin:0 0 22px;font-size:clamp(21px,2vw,25px);line-height:1.45;font-weight:400;color:var(--ink);letter-spacing:-.01em}
.letter blockquote:before{content:'“';display:block;font-size:64px;line-height:.6;color:var(--gold);margin-bottom:10px}
.letter .body{color:var(--muted)}
.sign{display:flex;align-items:center;gap:14px;margin:26px 0 30px}
.sign img{width:52px;height:52px;border-radius:50%;object-fit:cover;object-position:50% 20%}
.sign b{display:block}
.sign span{font-size:14px;color:var(--muted)}
.creds{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);margin-top:8px}
.creds div{padding:18px 16px 0 0}
.creds b{display:block;font-size:22px;font-weight:600;color:var(--navy)}
.creds span{font-size:14px;color:var(--muted);line-height:1.4;display:block}

/* closings */
.scroller{position:relative}
.strip{display:grid;grid-auto-flow:column;grid-auto-columns:calc((100% - 3*20px)/4);gap:20px;overflow-x:auto;scroll-snap-type:x mandatory;scrollbar-width:none;padding-bottom:6px}
.strip::-webkit-scrollbar{display:none}
.strip>*{scroll-snap-align:start}
.sarr{display:flex;gap:10px}
.sarr button{width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:#fff;cursor:pointer;font-size:20px;color:var(--navy)}
.sarr button:hover{border-color:var(--navy)}
.close{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column}
.close .ph{aspect-ratio:4/3;position:relative;background:var(--bg2)}
.close .ph img{width:100%;height:100%;object-fit:cover}
.close .ph .city{position:absolute;left:12px;top:12px;background:rgba(255,255,255,.95);border-radius:20px;padding:5px 11px;font-size:13px;font-weight:600;display:flex;gap:6px;align-items:center}
.close .ph .city svg{width:13px;height:13px;stroke:var(--navy)}
.close .bd{padding:18px 18px 20px;display:flex;flex-direction:column;flex:1}
.close .ty{font-size:12.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--gold)}
.close h3{font-size:18px;margin:6px 0 8px}
.close p{font-size:14.5px;color:var(--muted);margin:0 0 14px;line-height:1.5}
.close .ft{margin-top:auto;display:flex;flex-direction:column;gap:2px;border-top:1px solid var(--line);padding-top:12px;font-size:13.5px}
.close .ft b{color:var(--ok);font-weight:600}
.close .ft span{color:var(--muted);overflow:hidden;text-overflow:ellipsis;white-space:nowrap}
.cgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:var(--r);background:#fff;margin-bottom:34px}
.stats div{padding:22px 24px;border-left:1px solid var(--line)}
.stats div:first-child{border-left:0}
.stats b{display:block;font-size:30px;font-weight:600;color:var(--navy);letter-spacing:-.02em}
.stats span{font-size:14px;color:var(--muted)}

/* calculator */
.calc{display:grid;grid-template-columns:1.05fr .95fr;border:1px solid var(--line);border-radius:16px;overflow:hidden;background:#fff}
.calc .in{padding:34px 36px}
.calc .out{background:var(--navy);color:#fff;padding:34px 36px;display:flex;flex-direction:column}
.field{margin-bottom:18px}
.field label{display:flex;justify-content:space-between;font-size:14.5px;font-weight:600;margin-bottom:8px}
.field label output{font-weight:600;color:var(--navy)}
.field input[type=range]{width:100%;accent-color:var(--navy)}
.seg{display:flex;border:1px solid var(--line);border-radius:8px;overflow:hidden}
.seg button{flex:1;padding:10px 8px;border:0;background:#fff;font:500 14.5px inherit;cursor:pointer;border-left:1px solid var(--line);color:var(--ink)}
.seg button:first-child{border-left:0}
.seg button.on{background:var(--navy);color:#fff}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.inp{width:100%;padding:11px 12px;border:1px solid #c9d1db;border-radius:8px;font:inherit;font-size:16px;background:#fff}
.inp:focus{outline:2px solid var(--navy);outline-offset:-1px;border-color:var(--navy)}
.out small{font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:#a9bad0}
.out .big{font-size:56px;font-weight:600;letter-spacing:-.03em;line-height:1;margin:10px 0 6px}
.out .big span{font-size:20px;font-weight:400;color:#c9d5e4;letter-spacing:0}
.brk{list-style:none;padding:0;margin:22px 0 24px;border-top:1px solid rgba(255,255,255,.16)}
.brk li{display:flex;justify-content:space-between;padding:11px 0;border-bottom:1px solid rgba(255,255,255,.16);font-size:15px}
.brk li span{color:#c9d5e4}
.brk i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:8px;vertical-align:0}
.bar{display:flex;height:10px;border-radius:6px;overflow:hidden;background:rgba(255,255,255,.12)}
.out .note{font-size:12.5px;color:#a9bad0;margin:18px 0 0}
.out .acts{margin-top:auto;padding-top:22px}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:st}
.step{border-top:3px solid var(--navy);padding:24px 6px 0 0}
.step:before{counter-increment:st;content:'0' counter(st);display:block;font-size:14px;font-weight:600;color:var(--gold);letter-spacing:.06em;margin-bottom:10px}
.step h3{margin-bottom:8px}
.step p{color:var(--muted);font-size:16px;margin:0}

/* loans list */
.loans{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.loan{display:flex;gap:16px;padding:22px;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);background:#fff;transition:border-color .15s,box-shadow .15s}
.loan:hover{border-color:var(--navy);box-shadow:0 10px 24px rgba(20,40,64,.08)}
.loan i{flex:0 0 42px;height:42px;border-radius:10px;background:var(--navy-50);display:grid;place-items:center}
.loan i svg{width:21px;height:21px;stroke:var(--navy)}
.loan b{display:block;font-weight:600;font-size:17px;margin-bottom:3px}
.loan span{font-size:14.5px;color:var(--muted);line-height:1.45;display:block}

/* reviews */
.rv-top{display:grid;grid-template-columns:300px 1fr;gap:56px;align-items:start}
.rv-sum{position:sticky;top:150px}
.rv-sum .score{font-size:64px;font-weight:600;letter-spacing:-.03em;line-height:1;color:var(--navy)}
.rv-sum .stars{font-size:22px;margin:8px 0 6px}
.rv-list{display:grid;gap:14px}
.rv{display:grid;grid-template-columns:200px 1fr;gap:28px;padding:24px 26px;border:1px solid var(--line);border-radius:var(--r);background:#fff}
.rv .who b{display:block;font-size:16px}
.rv .who span{display:block;font-size:13.5px;color:var(--muted)}
.rv .who .av{width:44px;height:44px;border-radius:50%;background:var(--navy-50);color:var(--navy);display:grid;place-items:center;font-weight:600;margin-bottom:10px}
.rv p{margin:6px 0 0;font-size:16px;color:#364152}

/* videos */
.vids{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.vid{position:relative;border-radius:14px;overflow:hidden;aspect-ratio:9/16;background:#0d1a2b;cursor:pointer;border:0;padding:0;color:#fff;text-align:left}
.vid img,.vid video{width:100%;height:100%;object-fit:cover}
.vw{margin:0}
.vw figcaption{padding:14px 2px 0}
.vw figcaption b{display:block;font-size:17px;font-weight:600;line-height:1.3}
.vw figcaption span{font-size:14.5px;color:var(--muted)}
.vid .pl{position:absolute;left:50%;top:44%;transform:translate(-50%,-50%);width:62px;height:62px;border-radius:50%;background:rgba(255,255,255,.92);display:grid;place-items:center}
.vid .pl:after{content:'';border-left:18px solid var(--navy);border-top:11px solid transparent;border-bottom:11px solid transparent;margin-left:5px}
.vid.playing .pl{display:none}

/* human band */
.band{background:var(--navy);color:#fff;padding:72px 0}
.band .wrap{display:grid;grid-template-columns:auto 1fr auto;gap:44px;align-items:center}
.band img{width:148px;height:148px;border-radius:50%;object-fit:cover;object-position:50% 18%;border:4px solid rgba(255,255,255,.18)}
.band h2{color:#fff;margin-bottom:8px}
.band p{color:#c9d5e4;margin:0;font-size:17.5px}
.band .acts{justify-content:flex-end}

/* community photos */
.comm{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.comm figure{margin:0;border-radius:12px;overflow:hidden;position:relative;aspect-ratio:4/5}
.comm img{width:100%;height:100%;object-fit:cover}
.comm figcaption{position:absolute;left:12px;bottom:12px;right:12px;background:rgba(255,255,255,.95);border-radius:8px;padding:8px 12px;font-size:13.5px;line-height:1.35}
.comm figcaption b{display:block;font-size:14px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.comm figcaption span{display:-webkit-box;-webkit-line-clamp:2;-webkit-box-orient:vertical;overflow:hidden;min-height:2.7em;line-height:1.35}

/* FAQ */
.faq{display:grid;grid-template-columns:360px 1fr;gap:56px;align-items:start}
.faq-side{position:sticky;top:150px;border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff}
.faq-side .top{background:var(--navy);color:#fff;padding:22px 24px;display:flex;gap:16px;align-items:center}
.faq-side .top img{width:72px;height:72px;border-radius:50%;object-fit:cover;object-position:50% 20%;border:3px solid rgba(255,255,255,.22);flex:0 0 72px}
.faq-side .top b{display:block;font-size:19px;font-weight:600}
.faq-side .top span{font-size:13.5px;color:#c9d5e4}
.faq-side .bd{padding:22px 24px 24px}
.faq-side .bd p{font-size:15.5px;color:var(--muted)}
.faq-side .ln{display:flex;gap:10px;align-items:center;padding:10px 0;border-top:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:500;font-size:15.5px}
.faq-side .ln svg{width:18px;height:18px;stroke:var(--navy)}
.faq-side .btn{width:100%;margin-top:14px}
details.q{border-bottom:1px solid var(--line)}
details.q:first-of-type{border-top:1px solid var(--line)}
details.q summary{list-style:none;cursor:pointer;padding:22px 44px 22px 0;font-weight:600;font-size:18px;position:relative}
details.q summary::-webkit-details-marker{display:none}
details.q summary:after{content:'';position:absolute;right:8px;top:30px;width:9px;height:9px;border-right:2px solid var(--navy);border-bottom:2px solid var(--navy);transform:rotate(45deg);transition:transform .2s}
details.q[open] summary:after{transform:rotate(-135deg);top:34px}
details.q .a{padding:0 44px 22px 0;color:var(--muted);font-size:16.5px}

/* final cta */
.final{padding:84px 0;text-align:center;background:var(--bg2)}
.final h2{margin-bottom:10px}
.final p{color:var(--muted);margin-bottom:26px}
.final .acts{justify-content:center}

/* footnotes + footer */
.notes{padding:34px 0;font-size:12.5px;color:var(--muted);line-height:1.6;border-top:1px solid var(--line)}
.notes p{margin:0 0 8px}
footer.site{background:var(--navy-d);color:#b5c2d3;padding:48px 0 24px;font-size:15px}
footer.site a{color:#dfe6ef;text-decoration:none}
footer.site a:hover{color:#fff;text-decoration:underline}
footer.site .ftop{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap;padding-bottom:32px;border-bottom:1px solid rgba(255,255,255,.12)}
footer.site .fb{display:flex;align-items:center;gap:18px}
footer.site .fb img{height:44px;width:auto;background:#fff;border-radius:8px;padding:7px 12px}
footer.site .fb b{display:block;color:#fff;font-size:18px;font-weight:600}
footer.site .fb span{font-size:14px}
footer.site .fcta{display:flex;gap:12px;flex-wrap:wrap}
footer.site .fcta .btn.gold{color:#1b1405}
footer.site .cols{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;padding:34px 0 8px}
footer.site h4{color:#fff;font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;margin:0 0 16px}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin:0 0 11px}
footer.site .more{color:#e2c27a}
footer.site ul.ic a{display:inline-flex;align-items:center;gap:10px}
footer.site ul.ic svg{width:16px;height:16px;stroke:#e2c27a;flex:0 0 16px}
footer.site .soc{display:flex;gap:10px}
footer.site .soc a{width:40px;height:40px;border-radius:50%;border:1px solid rgba(255,255,255,.25);display:grid;place-items:center}
footer.site .soc a:hover{background:rgba(255,255,255,.08)}
footer.site .soc svg{width:17px;height:17px;fill:#fff}
footer.site .handle{margin:12px 0 0;font-size:14px}
footer.site .bottom{display:flex;justify-content:space-between;align-items:center;gap:14px 24px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:20px;font-size:13px;color:#93a3b8}
footer.site .bottom a{color:#c9d3e0;text-decoration:underline}
.eho{display:flex;gap:10px;align-items:center}
.eho svg{width:26px;height:26px;fill:#c9d3e0;flex:0 0 26px}

/* inner pages */
.phero{padding:56px 0 64px;background:linear-gradient(180deg,var(--bg2),#fff)}
.phero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center}
.crumbs{font-size:14px;color:var(--muted);margin-bottom:18px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.phero .lead{font-size:19px;color:var(--muted);max-width:32em;margin-bottom:26px}
.phero .media{aspect-ratio:4/3;box-shadow:0 24px 50px rgba(20,40,64,.12)}
.phero .media .city{position:absolute;left:16px;bottom:16px;background:#fff;border-radius:10px;padding:10px 14px;font-size:14px;line-height:1.35;box-shadow:0 10px 24px rgba(0,0,0,.15);max-width:80%}
.phero .media .city b{display:block}
.facts{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);border-radius:var(--r);background:#fff;margin-top:-30px;position:relative;z-index:2}
.facts div{padding:22px 26px;border-left:1px solid var(--line)}
.facts div:first-child{border-left:0}
.facts b{display:block;font-size:28px;font-weight:600;color:var(--navy);letter-spacing:-.02em}
.facts span{font-size:14.5px;color:var(--muted)}
.cols2{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.box{border:1px solid var(--line);border-radius:14px;padding:30px 32px;background:#fff}
.box h3{display:flex;gap:12px;align-items:center;margin-bottom:16px}
.box h3 i{width:36px;height:36px;border-radius:50%;background:var(--navy-50);display:grid;place-items:center}
.box h3 i svg{width:18px;height:18px;stroke:var(--navy)}
.box ul{margin:0;padding:0;list-style:none}
.box li{padding:10px 0 10px 26px;border-top:1px solid var(--line);position:relative;font-size:16px;color:#364152}
.box li:first-child{border-top:0}
.box li:before{content:'';position:absolute;left:3px;top:19px;width:8px;height:8px;border-radius:50%;background:var(--navy)}
.box.know li:before{background:var(--gold)}
.about-hero .media{aspect-ratio:4/5;max-height:600px;background:var(--gold-l)}
.about-hero .media img{object-position:50% 30%}
.timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.timeline div{border-top:3px solid var(--navy);padding-top:18px}
.timeline b{display:block;font-size:13px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);margin-bottom:6px}
.timeline h3{font-size:18px;margin-bottom:6px}
.timeline p{font-size:15.5px;color:var(--muted);margin:0}
.contact{display:grid;grid-template-columns:.8fr 1.2fr;gap:30px;align-items:start}
.ccard{border:1px solid var(--line);border-radius:14px;overflow:hidden}
.ccard .top{background:var(--navy);display:flex;align-items:center;gap:16px;padding:22px;color:#fff}
.ccard .top img{width:72px;height:72px;border-radius:50%;object-fit:cover;object-position:50% 20%;border:3px solid rgba(255,255,255,.22);flex:0 0 72px}
.ccard .top b{display:block;font-size:19px}
.ccard .top span{font-size:13.5px;color:#c9d5e4}
.ccard .bd{padding:10px 22px 22px}
.ccard .ln{display:flex;gap:12px;align-items:center;padding:13px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink)}
.ccard .ln svg{width:19px;height:19px;stroke:var(--navy);flex:0 0 19px}
.ccard .ln small{display:block;font-size:12.5px;color:var(--muted)}
form.req{border:1px solid var(--line);border-radius:14px;padding:30px 32px;background:#fff}
form.req .g{display:grid;grid-template-columns:1fr 1fr;gap:16px}
form.req label{display:block;font-size:14px;font-weight:600;margin-bottom:6px}
form.req .f{margin-bottom:16px}
form.req .full{grid-column:1/-1}
.pills{display:flex;flex-wrap:wrap;gap:8px}
.pills label{font-weight:500;margin:0;cursor:pointer}
.pills input{position:absolute;opacity:0}
.pills span{display:inline-block;padding:9px 14px;border:1px solid #c9d1db;border-radius:8px;font-size:14.5px}
.pills input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.pills input:focus-visible+span{outline:2px solid var(--gold)}
form.req .fine{font-size:12.5px;color:var(--muted);margin:14px 0 0}
.proto{display:inline-block;font-size:12px;font-weight:600;background:var(--gold-l);color:#7a5a14;border-radius:6px;padding:3px 8px;margin-left:8px;vertical-align:2px}

/* reveal */
.rv-in{opacity:0;transform:translateY(14px);transition:opacity .6s ease,transform .6s ease}
.rv-in.vis{opacity:1;transform:none}
.shot .rv-in{opacity:1;transform:none;transition:none}

/* mobile sticky */
.mbar{display:none}

@media (max-width:1500px){
  .hd-acts .ghost{display:none}
}
@media (max-width:1240px){
  nav.main>a,nav.main .dd>a{padding:10px 8px;font-size:15.5px}
  .hd-acts .ghost{display:none}
  .paths .grid{grid-template-columns:repeat(3,1fr)}
}
@media (max-width:1060px){
  nav.main,.hd-acts{display:none}
  .burger{display:block}
  .mnav{position:fixed;inset:117px 0 0 0;background:#fff;z-index:60;overflow:auto;padding:12px 24px 120px;border-top:1px solid var(--line)}
  .mnav.open{display:block}
  .mnav a{display:block;padding:14px 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:500;font-size:17px}
  .mnav .sub a{padding-left:16px;font-size:15.5px;color:var(--muted)}
  .mnav .btn{display:flex;margin-top:16px;color:#fff;border-bottom:0}
  .mnav .btn.ghost{color:var(--navy)}
  .tabs{top:79px}
  .hero .wrap,.row,.letter,.phero .wrap,.faq,.rv-top,.contact{grid-template-columns:1fr;gap:40px}
  .row.rev .media{order:0}
  .rv-sum,.faq-side{position:static}
  .strip{grid-auto-columns:calc((100% - 20px)/2.15)}
  .loans,.cgrid{grid-template-columns:1fr 1fr}
  .vids{grid-template-columns:repeat(2,1fr)}
  .comm{grid-template-columns:1fr 1fr}
  .calc{grid-template-columns:1fr}
  .band .wrap{grid-template-columns:auto 1fr}
  .band .acts{grid-column:1/-1;justify-content:flex-start}
  .letter .ph{max-width:520px}
  .letter .ph .tag{right:12px}
  footer.site .cols{grid-template-columns:1fr 1fr}
  .timeline{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  body{font-size:16px}
  .wrap{padding:0 20px}
  .topbar .tb-l span:not(:first-child){display:none}
  .topbar .tb-r .hide-m{display:none}
  header.site .wrap{min-height:66px;gap:12px}
  .brand img{height:32px}
  .brand .who{padding-left:10px}
  .brand .who b{font-size:15px}
  .brand .who span{font-size:11.5px}
  .mnav{inset:105px 0 0 0}
  .tabs{top:67px}
  .tabs a{padding:12px 10px 10px;font-size:14.5px}
  .hero{padding:36px 0 52px}
  .hcard{min-height:430px}
  .hcard .hi{left:20px;top:22px;max-width:56%}
  .hcard .hi b{font-size:20px}
  .hcard .hi p{display:none}
  .hcard .craig{right:-6%;height:90%}
  .chip{padding:11px 12px;font-size:13px}
  .chip.r1{left:16px;bottom:92px}
  .chip.r2{left:16px;bottom:18px}
  .chip .seal{display:none}
  .paths .grid{grid-template-columns:1fr 1fr;gap:10px}
  .path{padding:16px 14px}
  .path span{display:none}
  section.s{padding:60px 0}
  .shead{flex-direction:column;align-items:flex-start;margin-bottom:26px}
  .sarr{display:none}
  .strip{grid-auto-columns:82%}
  .loans,.cgrid,.cols2,.steps,.vids.v3{grid-template-columns:1fr}
  .stats,.facts{grid-template-columns:1fr 1fr}
  .stats div:nth-child(3),.facts div:nth-child(3){border-left:0}
  .stats div:nth-child(n+3),.facts div:nth-child(3){border-top:1px solid var(--line)}
  .facts div:nth-child(3){grid-column:1/-1}
  .rv{grid-template-columns:1fr;gap:6px;padding:20px}
  .rv .who{display:flex;gap:12px;align-items:center}
  .rv .who .av{margin:0}
  .calc .in,.calc .out{padding:24px 20px}
  .out .big{font-size:46px}
  .two{grid-template-columns:1fr 1fr}
  .band{padding:52px 0}
  .band .wrap{grid-template-columns:1fr;gap:20px}
  .band img{width:96px;height:96px}
  .comm{grid-template-columns:1fr 1fr}
  .comm figcaption{display:none}
  .creds{grid-template-columns:1fr 1fr 1fr}
  .creds b{font-size:18px}
  form.req{padding:22px 18px}
  form.req .g{grid-template-columns:1fr}
  footer.site .cols{grid-template-columns:1fr 1fr;gap:28px 20px}
  footer.site .fcta,footer.site .fcta .btn{width:100%}
  footer.site .fb img{height:38px}
  .timeline{grid-template-columns:1fr}
  .mbar{display:grid;grid-template-columns:1fr 1fr;gap:10px;position:fixed;left:0;right:0;bottom:0;z-index:70;background:#fff;border-top:1px solid var(--line);padding:10px 14px calc(10px + env(safe-area-inset-bottom))}
  .mbar .btn{padding:12px}
  body{padding-bottom:70px}
}
.bar i{display:block;height:100%}
.pos-r{object-position:72% 75%}
.strip.n3{grid-auto-columns:calc((100% - 2*20px)/3)}
.sarr[hidden]{display:none}
@media (max-width:1060px){.strip.n3{grid-auto-columns:calc((100% - 20px)/2.15)}}
@media (max-width:760px){.strip.n3{grid-auto-columns:82%}}
@media (max-width:760px){
  .hcard{min-height:400px}
  .chip.r2{display:none}
  .chip.r1{bottom:18px}
  .letter .ph .main{aspect-ratio:1/1}
  .letter .ph .tag{display:none}
  .paths .grid{grid-template-columns:1fr 1fr}
  .path{display:flex;gap:12px;align-items:center;padding:14px 12px}
  .path i{margin:0;flex:0 0 38px;width:38px;height:38px}
  .path b{font-size:15px;margin:0;line-height:1.25}
  .loans.home a:nth-child(n+7){display:none}
  .creds{margin-top:22px}
}

/* family story row */
.family .row{grid-template-columns:1.05fr .95fr}
.family .media{aspect-ratio:4/5;max-height:640px;box-shadow:0 24px 50px rgba(20,40,64,.12)}
.family .media img{object-position:50% 40%}
.family h2{max-width:15em}
.family .copy p{max-width:32em}
@media (max-width:1060px){.family .row{grid-template-columns:1fr}.family .media{order:-1;max-width:560px}}
@media (max-width:760px){.family .media{aspect-ratio:1/1}}

/* about hero: Craig's cutout on a navy card */
.pcard{position:relative;border-radius:16px;overflow:hidden;aspect-ratio:4/5;max-height:600px;background:linear-gradient(160deg,#284a73 0%,var(--navy) 45%,var(--navy-d) 100%);box-shadow:0 24px 50px rgba(20,40,64,.14)}
.pcard:before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 70% 20%,rgba(255,255,255,.14),transparent 50%)}
.pcard img{position:absolute;left:50%;bottom:0;transform:translateX(-50%);height:94%;width:auto;max-width:none}
.pcard .city{position:absolute;left:16px;bottom:16px;background:#fff;border-radius:10px;padding:10px 14px;font-size:14px;line-height:1.35;box-shadow:0 10px 24px rgba(0,0,0,.15)}
.pcard .city b{display:block}
@media (max-width:1060px){.pcard{max-width:520px}}

/* six reels: one row on desktop, 3x2 tablet, 2x3 phone */
.vids.v6{grid-template-columns:repeat(6,1fr);gap:14px}
.vids.v6 .vid .pl{width:50px;height:50px}
.vids.v6 figcaption b{font-size:15.5px}
.vids.v6 figcaption span{font-size:13.5px}
@media (max-width:1060px){.vids.v6{grid-template-columns:repeat(3,1fr)}}
@media (max-width:760px){.vids.v6{grid-template-columns:repeat(2,1fr)}}
button.btn{font:600 16px/1.2 'Public Sans',system-ui,sans-serif}
button.btn.sm{font-size:15px}

/* header fits every laptop width */
header.site .wrap{max-width:var(--wrap)}
.topbar .wrap{max-width:var(--wrap)}
@media (max-width:1180px){header.site .wrap{gap:16px}.brand .who span{display:none}}
.pos-t{object-position:50% 12%}
@media (min-width:1061px){.hero .fine{white-space:nowrap}}

/* DFW + realtors */
.dfw-home{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:center}
.dfw-home p{max-width:34em}
.city-chips{display:flex;flex-wrap:wrap;gap:10px}
.city-chip{display:inline-flex;align-items:center;gap:7px;padding:10px 15px;border:1px solid var(--line);border-radius:30px;text-decoration:none;color:var(--ink);font-weight:500;font-size:15px;background:#fff}
.city-chip svg{width:15px;height:15px;stroke:var(--navy)}
.city-chip:hover{border-color:var(--navy);color:var(--navy)}
.cities{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.city{border:1px solid var(--line);border-radius:var(--r);padding:22px;background:#fff;display:flex;flex-direction:column}
.city h3{display:flex;align-items:center;gap:8px;font-size:18px;margin-bottom:8px}
.city h3 svg{width:17px;height:17px;stroke:var(--navy)}
.city p{color:var(--muted);font-size:15.5px;margin:0 0 14px;min-height:3em}
.city .fit{margin-top:auto;display:flex;flex-wrap:wrap;gap:6px}
.city .fit a{font-size:13px;font-weight:600;text-decoration:none;background:var(--navy-50);border-radius:6px;padding:5px 9px}
.city .fit a:hover{background:var(--navy);color:#fff}
.tnotes{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.tnote{background:#fff;border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:var(--r);padding:24px 22px 24px;display:flex;flex-direction:column;box-shadow:0 10px 26px rgba(20,40,64,.06)}
.tnote .key{background:var(--navy-50);border-radius:8px;padding:14px 16px;margin-bottom:18px}
.tnote .key b{display:block;font-size:30px;font-weight:600;color:var(--navy);letter-spacing:-.02em;line-height:1.1}
.tnote .key span{font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--gold)}
.tnote h3{font-size:18px;margin-bottom:8px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.tnote p{color:var(--muted);font-size:15.5px;margin:0}
.fine-note{font-size:13px;color:var(--muted);margin:14px 0 0}
.agents{display:flex;flex-wrap:wrap;gap:10px}
.agent{padding:9px 14px;border:1px solid var(--line);border-radius:8px;font-size:15px;font-weight:500;background:#fff}
.quote-band{max-width:900px;margin:0 auto;text-align:center}
.quote-band blockquote{margin:0 0 16px;font-size:clamp(21px,2.2vw,27px);line-height:1.45;letter-spacing:-.01em}
.quote-band p{color:var(--muted);margin:0}
.perk h3{font-size:18px}
.topbar .tb-link{font-weight:500;opacity:.92}
@media (max-width:1060px){.dfw-home{grid-template-columns:1fr;gap:28px}.cities{grid-template-columns:1fr 1fr}.tnotes{grid-template-columns:1fr 1fr}}
@media (max-width:760px){.cities,.tnotes{grid-template-columns:1fr}.city p{min-height:0}}
@media (max-width:1300px){.topbar .tb-l span:nth-child(n+2){display:none}}
@media (max-width:900px){.topbar .tb-link{display:none}}
.rp-hero .wrap{align-items:center}
.rp-hero .checks{margin-bottom:0}
.rp-hero form.req{box-shadow:0 24px 50px rgba(20,40,64,.12)}
blockquote.rq{margin:0 0 16px;font-size:clamp(20px,2vw,24px);line-height:1.45;color:var(--ink)}

/* realtor hero form: bold action card */
.pform{background:linear-gradient(160deg,#284a73 0%,var(--navy) 50%,var(--navy-d) 100%)!important;border:0!important;color:#fff;padding:30px 32px 26px!important;box-shadow:0 28px 60px rgba(20,40,64,.28)!important}
.pform .pf-top{display:flex;gap:14px;align-items:center;margin-bottom:22px;padding-bottom:20px;border-bottom:1px solid rgba(255,255,255,.16)}
.pform .pf-top img{width:56px;height:56px;border-radius:50%;object-fit:cover;object-position:50% 20%;border:3px solid rgba(255,255,255,.25);flex:0 0 56px}
.pform .pf-top b{display:block;font-size:23px;font-weight:600;line-height:1.2}
.pform .pf-top span{font-size:14.5px;color:#c9d5e4}
.pform label{color:#fff}
.pform .inp{border-color:transparent;height:50px}
.pform .inp:focus{outline:3px solid var(--gold);outline-offset:0}
.pform .btn.big{width:100%;padding:16px 24px;font-size:17px;margin-top:4px}
.pform .pf-alt{display:flex;justify-content:center;gap:10px;margin-top:14px;font-size:15px;color:#a9bad0}
.pform .pf-alt a{color:#fff;font-weight:600;text-decoration:none}
.pform .pf-alt a:hover{text-decoration:underline}
.pform .fine{color:#a9bad0!important;text-align:center;margin-top:10px!important}

/* phones: Craig first, then the headline */
@media (max-width:1060px){.hero .hcard{order:-1}}
@media (max-width:760px){.hero{padding-top:20px}.hcard{min-height:360px}.hcard .craig{height:94%}}
@media (max-width:760px){.hero .eyebrow{display:none}.hero .acts{display:grid;grid-template-columns:1fr 1fr;gap:10px}.hero .acts .btn{padding:13px 10px;font-size:15px;white-space:normal;text-align:center}.hero .checks{margin-bottom:22px}.hero .lead{margin-bottom:16px}}
@media (max-width:760px){.dsk{display:none}}

/* DFW map */
.dfw-map{margin:0;background:var(--navy-50);border-radius:16px;padding:18px 18px 14px;position:relative}
.dfw-map svg{width:100%;height:auto;display:block;overflow:visible}
.dfw-map .roads polyline{fill:none;stroke:#c3cfdd;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}
.dfw-map .mp circle{fill:#fff;stroke:var(--navy);stroke-width:3;transition:r .15s}
.dfw-map .mp.hot circle{fill:var(--gold);stroke:#fff;stroke-width:3}
.dfw-map .mp text{font:600 14px 'Public Sans',sans-serif;fill:var(--ink);paint-order:stroke;stroke:var(--navy-50);stroke-width:4px}
.dfw-map .mp:hover text{fill:var(--navy);text-decoration:underline}
.dfw-map .mp:hover circle{stroke:var(--gold)}
.dfw-map figcaption{display:flex;gap:18px;justify-content:center;font-size:13px;color:var(--muted);margin-top:6px}
.dfw-map .lg{display:inline-block;width:11px;height:11px;border-radius:50%;background:#fff;border:2.5px solid var(--navy);margin-right:6px;vertical-align:-1px}
.dfw-map .lg.hot{background:var(--gold);border-color:var(--gold)}
@media (max-width:760px){.dfw-map{padding:10px 6px 10px;margin:0 -6px}.dfw-map .mp text{font-size:16px}}
/* phone hero: headline sits on the navy card beside Craig, then checks + buttons — one screen */
@media (max-width:760px){
  .hero{padding:14px 0 34px}
  .hero .wrap{display:grid;grid-template-columns:1fr;grid-template-areas:"card" "checks" "acts";gap:18px}
  .hero .wrap>div:first-child{display:contents}
  .hero .hcard{grid-area:card;min-height:330px}
  .hero h1{grid-area:card;align-self:start;position:relative;z-index:3;color:#fff;margin:0;padding:22px 0 0 20px;max-width:60%;font-size:29px;line-height:1.12}
  .hero h1 em{color:#e2c27a}
  .hero .lead,.hero .fine,.hero .eyebrow,.hcard .hi{display:none}
  .hero .checks{grid-area:checks;margin:0}
  .hero .checks li{font-size:15.5px;margin-bottom:7px}
  .hero .acts{grid-area:acts}
  .hcard .craig{right:-16%;height:90%}
  .chip.r1{left:16px;bottom:16px}
}
/* phones: inner page heroes — buttons in one row, shorter photo, compact facts row */
@media (max-width:760px){
  .phero{padding:22px 0 34px}
  .phero .wrap{gap:22px}
  .phero h1{font-size:30px}
  .phero .lead{font-size:16.5px;margin-bottom:18px}
  .phero .acts,.final .acts,.band .acts{display:grid;grid-template-columns:1fr 1fr;gap:10px}
  .phero .acts .btn,.final .acts .btn,.band .acts .btn{padding:13px 8px;font-size:15px;white-space:normal;text-align:center}
  .band .acts .btn:nth-child(3){grid-column:1/-1}
  .phero .media{aspect-ratio:16/10}
  .about-hero .media,.pcard{aspect-ratio:4/4.2}
  .facts{grid-template-columns:repeat(3,1fr);margin-top:-16px}
  .facts div{padding:12px 10px;border-left:1px solid var(--line)!important;border-top:0!important;grid-column:auto!important}
  .facts div:first-child{border-left:0!important}
  .facts b{font-size:19px;line-height:1.15}
  .facts span{font-size:12px;line-height:1.3;display:block;margin-top:3px}
  .fine-note{font-size:12px}
}
@media (max-width:760px){.facts b{white-space:nowrap;font-size:18px}}
@media (max-width:1060px){.rp-hero form.pform{order:-1}}
@media (max-width:760px){.rp-hero{padding-top:16px}.pform{padding:22px 18px 20px!important}.pform .pf-top{margin-bottom:16px;padding-bottom:14px}.pform .pf-top b{font-size:20px}}
@media (max-width:1060px){.rp-hero .crumbs{display:none}}
@media (min-width:1061px){header.site .wrap{gap:20px}nav.main>a,nav.main .dd>a{padding:10px 11px}}
.band h2 .nw{white-space:nowrap}
.band h2{text-wrap:balance}