/* The Smart Team at NOVA Home Loans */

:root {
  --navy: #0B1D3F;
  --navy-2: #13305E;
  --red: #D3112F;
  --red-dark: #B00D26;
  --cream: #F5F0EA;
  --white: #FFFFFF;
  --ink: #0B1D3F;
  --muted: #465062;
  --line: #E3E0DB;
  --control-border: #767676;
  --green: #22C55E;

  --serif: "Source Serif 4", Georgia, "Times New Roman", serif;
  --serif-logo: "Bodoni Moda", "Bodoni 72", Didot, Georgia, serif;
  --sans: "DM Sans", system-ui, -apple-system, "Segoe UI", sans-serif;

  --radius: 10px;
  --radius-lg: 18px;
  --shadow: 0 20px 50px -20px rgba(11, 29, 63, .25);
  --header-h: 92px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 18px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
button { font: inherit; color: inherit; cursor: pointer; }
h1, h2, h3 { margin: 0; font-weight: 400; }
p { margin: 0; }

.container { width: min(1180px, 100% - 48px); margin-inline: auto; }
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip-link { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 8px 14px; z-index: 100; border-radius: 6px; }
.skip-link:focus { left: 8px; }
.hp { position: absolute !important; left: -9999px !important; }
:focus-visible { outline: 3px solid var(--red); outline-offset: 3px; }

/* ---------- type ---------- */
.eyebrow {
  font-size: 15px; font-weight: 700; letter-spacing: .28em; text-transform: uppercase;
  color: var(--red); margin-bottom: 22px;
}
.eyebrow.light { color: #fff; }
.display {
  font-family: var(--serif); font-size: clamp(38px, 5vw, 60px); line-height: 1.08; letter-spacing: -.01em;
}
.display.light { color: #fff; }
.center { text-align: center; }
.lede-muted { color: var(--muted); font-size: 19px; line-height: 1.65; margin-top: 26px; }
.lede-light { color: rgba(255,255,255,.82); font-size: 19px; line-height: 1.65; margin-top: 26px; }
.narrow { max-width: 720px; margin-inline: auto; }
.narrow-left { max-width: 720px; }
.muted { color: var(--muted); }
.fineprint { font-size: 15px; color: var(--muted); line-height: 1.55; margin-top: 16px; }
.opt { font-weight: 400; color: var(--muted); }

/* ---------- buttons ---------- */
.btn {
  min-height: 48px; display: inline-flex; align-items: center; justify-content: center; gap: 12px;
  border: 1.5px solid transparent; border-radius: 8px; padding: 14px 24px;
  font-weight: 700; font-size: 17px; text-decoration: none; line-height: 1.2;
  transition: background .2s, transform .2s, box-shadow .2s, color .2s;
}
.btn-lg { padding: 18px 26px; font-size: 18px; }
.btn-block { width: 100%; }
.btn-red { background: var(--red); color: #fff; box-shadow: 0 10px 24px -10px rgba(211,17,47,.6); }
.btn-red:hover { background: var(--red-dark); transform: translateY(-1px); }
.btn-ghost-light { background: transparent; color: #fff; border-color: rgba(255,255,255,.85); }
.btn-ghost-light:hover { background: rgba(255,255,255,.1); }
.btn-white { background: #fff; color: var(--red); }
.btn-white:hover { transform: translateY(-1px); box-shadow: 0 12px 28px -12px rgba(0,0,0,.35); }
.btn-navy { background: var(--navy); color: #fff; }
.btn-navy:hover { background: var(--navy-2); }
.btn-text { background: none; border: 0; padding: 12px 0; color: var(--navy); font-weight: 600; }
.btn-text:hover { color: var(--red); }
.arrow { font-weight: 400; }
.link-arrow {
  background: none; border: 0; min-height: 48px; padding: 0 0 6px; margin-top: 30px; color: #fff; font-weight: 700; font-size: 18px;
  border-bottom: 2px solid var(--red);
}
.link-arrow:hover { color: #ffd9de; }

/* ---------- header ---------- */
.site-header {
  position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.97);
  backdrop-filter: blur(8px); border-bottom: 1px solid var(--line);
}
.header-inner { height: var(--header-h); display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.logo { flex: none; text-decoration: none; display: inline-flex; flex-direction: column; align-items: center; }
.logo-name { white-space: nowrap; font-family: var(--serif-logo); font-size: 34px; letter-spacing: .04em; text-transform: uppercase; line-height: 1; }
.logo-sub {
  display: flex; align-items: center; gap: 10px; width: 100%;
  font-size: 10.5px; letter-spacing: .3em; text-transform: uppercase; margin-top: 6px; white-space: nowrap;
}
.logo-sub::before, .logo-sub::after { content: ""; flex: 1; height: 1px; background: var(--red); }
.site-nav { display: flex; align-items: center; gap: 30px; }
.site-nav a { text-decoration: none; font-weight: 500; font-size: 17px; white-space: nowrap; min-height: 48px; display: inline-flex; align-items: center; }
.site-nav a:hover { color: var(--red); }
.lang-switch { display: inline-flex; align-items: center; gap: 6px; font-weight: 600 !important; color: var(--navy); }
.lang-switch svg { width: 18px; height: 18px; flex: none; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.lang-switch--mobile { display: none; }
.nav-phone { white-space: nowrap; display: inline-flex; align-items: center; gap: 6px; font-weight: 700 !important; font-size: 19px !important; }
.nav-phone svg { width: 19px; height: 19px; fill: currentColor; }
.btn-talk { padding: 16px 22px; font-size: 18px; white-space: nowrap; }
.nav-toggle { flex: none; display: none; background: none; border: 0; width: 48px; height: 48px; padding: 12px; }
.nav-toggle span { display: block; height: 2px; background: var(--navy); margin: 5px 0; transition: transform .2s, opacity .2s; }

/* ---------- hero ---------- */
.hero { position: relative; background: var(--navy); color: #fff; overflow: hidden; min-height: 620px; display: flex; align-items: center; }
.hero-media {
  position: absolute; top: 0; bottom: 0; right: 0; left: 38%;
  /* Keeps the photo layers and their fade behind the hero text. */
  isolation: isolate;
}
.hero-slide {
  position: absolute; inset: 0; opacity: 0; transition: opacity 1.2s ease;
  background: var(--slide) var(--pos, center) / cover no-repeat;
}
.hero-slide.is-active { opacity: 1; }
.hero-media::before {
  content: ""; position: absolute; inset: 0; z-index: 1;
  background: linear-gradient(90deg, var(--navy) 0%, rgba(11,29,63,.8) 14%, rgba(11,29,63,.3) 24%, rgba(11,29,63,0) 36%);
}
.hero-inner { position: relative; padding: 48px 0 60px; }
.hero-pause {
  position: absolute; right: 24px; top: 24px; z-index: 2; width: 48px; height: 48px;
  display: grid; place-items: center; padding: 0; border: 1.5px solid rgba(255,255,255,.85); border-radius: 50%;
  background: rgba(11,29,63,.72); color: #fff;
}
.hero-pause[hidden] { display: none; }
.hero-pause:hover { background: var(--navy); }
.hero-pause:focus-visible { outline-color: #fff; }
.hero-pause-icon { display: block; width: 14px; height: 16px; border-left: 4px solid currentColor; border-right: 4px solid currentColor; }
.hero-pause.is-paused .hero-pause-icon { width: 0; height: 0; margin-left: 4px; border-style: solid; border-width: 8px 0 8px 14px; border-color: transparent transparent transparent currentColor; }
.hero-title { font-family: var(--serif); font-size: clamp(48px, 7vw, 84px); line-height: 1.02; letter-spacing: -.015em; }
.hero-title > span { display: block; }
.hero-title .underline { position: relative; display: inline-block; padding-bottom: 14px; white-space: nowrap; }
.hero-title .underline::after { content: ""; position: absolute; left: 0; bottom: 0; width: 72%; height: 4px; background: var(--red); }
.hero-lede { max-width: 640px; font-size: 22px; line-height: 1.6; margin-top: 18px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 36px; }
.hero-cta { width: fit-content; max-width: 100%; }
.hero-note { margin-top: 26px; font-size: 18px; font-weight: 700; color: #fff; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 4px 12px; }

/* ---------- trust bar ---------- */
.trust { background: #fff; border-bottom: 1px solid var(--line); }
.trust-grid { display: grid; grid-template-columns: 1.2fr 1fr 1fr 1.2fr; padding: 30px 0; }
.trust-item { display: flex; gap: 22px; align-items: flex-start; padding: 0 28px; border-left: 1px solid var(--line); }
.trust-item:first-child { border-left: 0; padding-left: 0; }
.trust-icon { width: 26px; height: 26px; flex: none; margin-top: 18px; fill: none; stroke: var(--navy); stroke-width: 1.6; }
.trust-photo { width: 56px; height: 56px; flex: none; border-radius: 50%; object-fit: cover; object-position: center 20%; border: 2px solid var(--line); }
.trust-item h3 { font-family: var(--serif); font-size: 22px; line-height: 1.35; }
.trust-item p { font-size: 16px; color: var(--muted); margin-top: 8px; }
.nmls { font-size: 16px; color: var(--muted); }
.nmls a { display: inline-flex; align-items: center; min-height: 48px; text-decoration: none; }
.nmls a:hover { text-decoration: underline; }

/* ---------- sections ---------- */
.section-cream { background: var(--cream); }
.section-navy { background: var(--navy); color: #fff; }
section.explorer, section.process, section.tradeoffs, section.compare, section.team, section.faqs, section.counseling { padding: 120px 0; }

/* ---------- explorer ---------- */
.explorer-grid { display: grid; grid-template-columns: 1fr 1.15fr; gap: 90px; align-items: center; }
.checklist { list-style: none; padding: 0; margin: 44px 0 0; display: grid; gap: 24px; }
.checklist li { position: relative; padding-left: 42px; font-weight: 600; font-size: 18px; }
.checklist li::before {
  content: "✓"; position: absolute; left: 0; top: 0; width: 28px; height: 28px; border-radius: 50%;
  background: var(--red); color: #fff; display: grid; place-items: center; font-size: 15px; font-weight: 700;
}
.explorer-card { background: #fff; border-radius: var(--radius-lg); padding: 40px 38px 34px; box-shadow: var(--shadow); }
.explorer-meta { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; font-size: 15px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-bottom: 26px; }
.card-title { font-family: var(--serif); font-size: 29px; line-height: 1.2; margin-bottom: 18px; padding: 0; }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field-full { grid-column: 1 / -1; }
.field label { display: block; font-size: 16px; font-weight: 700; margin-bottom: 8px; }
.field input, .field select {
  width: 100%; height: 54px; padding: 0 14px; font: inherit; font-size: 18px; color: var(--ink);
  border: 1.5px solid var(--control-border); border-radius: var(--radius); background: #fff;
}
.field input:focus, .field select:focus { outline: none; border-color: var(--red); box-shadow: 0 0 0 3px rgba(211,17,47,.12); }
.field select[aria-invalid="true"], .field input[aria-invalid="true"] { border-color: var(--red); }
.input-money { position: relative; }
.input-money span { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); font-weight: 700; font-size: 15px; }
.input-money input { padding-left: 30px; }
.field-hint { font-size: 16px; color: var(--muted); line-height: 1.45; margin-top: 8px; }
.spouse-set { border: 0; margin: 20px 0 24px; padding: 0; }
.spouse-set legend { padding: 0; font-size: 16px; font-weight: 700; margin-bottom: 10px; }
.spouse-options { display: flex; gap: 12px; }
.spouse-option { display: inline-flex; align-items: center; gap: 10px; min-height: 48px; min-width: 96px; padding: 0 16px; border: 1.5px solid var(--control-border); border-radius: var(--radius); cursor: pointer; font-weight: 600; }
.spouse-option input { width: 20px; height: 20px; accent-color: var(--red); }
.spouse-age { margin-top: 16px; max-width: 240px; }
.form-error { color: var(--red-dark); font-size: 16px; font-weight: 600; margin: 0 0 14px; }
.explorer-step .fineprint { text-align: center; }

.calc-closed-text { margin-bottom: 22px; }
.explorer-results { margin-top: 56px; scroll-margin-top: calc(var(--header-h) + 16px); }
.explorer-results[hidden] { display: none; }
.result-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; }
#results > .result-card { max-width: 760px; margin-inline: auto; }
.result-card { background: #fff; border-radius: var(--radius-lg); padding: 32px 30px; box-shadow: var(--shadow); }
.result-fit { display: inline-block; background: var(--navy); color: #fff; font-size: 15px; font-weight: 700; padding: 5px 12px; border-radius: 99px; margin-bottom: 14px; }
.result-label { color: var(--muted); font-size: 16px; }
.result-range { font-family: var(--serif); font-weight: 500; font-size: clamp(30px, 4vw, 44px); line-height: 1.15; color: var(--red-dark); overflow-wrap: anywhere; }
.result-note, .result-reason { margin-top: 12px; color: var(--muted); }
.result-reason { margin-bottom: 16px; }
.result-reason + .btn { width: 100%; }
.result-message { margin-top: 18px; padding: 16px 18px; background: var(--cream); border-radius: var(--radius); }
.result-cards + .result-message { background: #fff; box-shadow: var(--shadow); }
.result-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 14px; margin-top: 30px; }
.result-lead { max-width: 560px; margin: 24px auto 0; }
.result-disclosure { margin-top: 30px; font-size: 16px; line-height: 1.6; color: var(--muted); }
.result-config-line { margin-top: 12px; font-size: 16px; color: var(--muted); }
.phone-num { font-weight: 700; white-space: nowrap; }
.program-dialog { width: min(560px, calc(100vw - 32px)); max-height: calc(100dvh - 32px); border: 0; border-radius: var(--radius-lg); padding: 0; color: var(--ink); box-shadow: var(--shadow); }
.program-dialog:not([open]) { display: none; }
.program-dialog::backdrop { background: rgba(11, 29, 63, .65); }
.dialog-inner { position: relative; padding: 34px 32px 26px; }
.dialog-x { position: absolute; top: 10px; right: 10px; width: 48px; height: 48px; background: none; border: 0; font-size: 32px; line-height: 1; color: var(--navy); }
.dialog-inner .card-title { padding-right: 40px; }
.dialog-message { font-size: 20px; line-height: 1.55; }
#contact-form-mount { margin-top: 20px; }
#contact-form-mount .booking { padding: 0; box-shadow: none; }
.dialog-actions { display: grid; gap: 10px; margin-top: 22px; }

/* ---------- process ---------- */
.steps { list-style: none; margin: 46px 0 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 30px; }
.steps li { text-align: center; }
.step-num {
  position: relative; display: grid; place-items: center; width: 50px; height: 50px; margin: 0 auto 28px;
  border-radius: 50%; background: var(--red); color: #fff; font-weight: 700; font-size: 17px;
}
.steps li { position: relative; }
.steps li::before { content: ""; position: absolute; top: 25px; left: 0; right: 0; height: 1px; background: var(--line); z-index: -1; }
.steps h3 { font-family: var(--serif); font-size: 32px; margin-bottom: 14px; }
.steps p { color: var(--muted); max-width: 300px; margin-inline: auto; font-size: 17.5px; line-height: 1.6; }

/* ---------- trade-offs ---------- */
.tradeoffs-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 90px; align-items: center; }
.tradeoff-card { background: #fff; color: var(--ink); border-radius: var(--radius-lg); padding: 36px 38px 32px; box-shadow: 0 30px 80px -30px rgba(0,0,0,.6); }
.bar-row + .bar-row { margin-top: 24px; }
.bar-head { display: grid; grid-template-columns: 105px 1fr; align-items: baseline; margin-bottom: 14px; }
.bar-tag { font-size: 15px; font-weight: 700; color: var(--red); text-transform: uppercase; }
.bar-label { font-family: var(--serif); font-size: 22px; }
.bar { height: 8px; border-radius: 99px; background: #E9EAEE; overflow: hidden; }
.bar span { display: block; height: 100%; width: 0; background: var(--red); border-radius: 99px; transition: width 1.2s cubic-bezier(.2,.8,.2,1); }
.tradeoff-card.is-visible .bar span { width: var(--w); }
.tradeoff-card .fineprint { margin-top: 30px; }

/* ---------- compare ---------- */
.compare-wrap { display: grid; grid-template-columns: 1.7fr 1fr; gap: 36px; margin-top: 56px; align-items: start; }
.compare-table { width: 100%; border-collapse: collapse; font-size: 16px; background: #fff; border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); }
.compare-table th, .compare-table td { padding: 16px 18px; border-bottom: 1px solid var(--line); text-align: center; vertical-align: middle; line-height: 1.45; }
.compare-table thead th { background: var(--navy); color: #fff; font-family: var(--serif); font-size: 26px; font-weight: 400; padding: 22px 18px; }
.compare-table thead th:first-child { background: var(--navy); }
.compare-table tbody th { text-align: left; font-weight: 700; width: 30%; }
.compare-table .col-rs { background: #F2F8F2; }
.compare-table thead .col-rs { background: var(--navy-2); }
.compare-table tr:last-child th, .compare-table tr:last-child td { border-bottom: 0; }
.requirements { background: var(--cream); border-radius: var(--radius-lg); padding: 30px; }
.requirements h3 { font-size: 15px; font-weight: 700; letter-spacing: .25em; text-transform: uppercase; color: var(--red); margin-bottom: 16px; }
.requirements ul { margin: 0 0 24px; padding-left: 18px; display: grid; gap: 10px; font-size: 16px; color: var(--muted); }
.requirements .btn { width: 100%; font-size: 17px; }
.compare-disclaimer { font-size: 15px; color: var(--muted); margin-top: 28px; line-height: 1.6; max-width: 980px; }

/* ---------- team ---------- */
.team-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-top: 50px; }
.person { display: flex; gap: 28px; align-items: center; background: #fff; border-radius: var(--radius-lg); padding: 28px; box-shadow: var(--shadow); }
.person img { width: 124px; height: 140px; object-fit: cover; object-position: center top; border-radius: 10px; flex: none; background: var(--navy); }
.person-role { font-size: 15px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--red); }
.person h3 { font-family: var(--serif); font-size: 34px; line-height: 1.2; margin: 6px 0 2px; }
.person-cta { display: inline-block; min-height: 48px; margin-top: 8px; background: none; border: 0; padding: 12px 0; line-height: 24px; font-weight: 700; font-size: 18px; text-decoration: none; }
.person-cta:hover { color: var(--red); }
.person-hint { font-size: 16px; color: var(--muted); line-height: 1.45; }

/* ---------- faqs ---------- */
.faq-container { max-width: 1010px; }
.faq-list { margin-top: 46px; border-top: 1px solid var(--line); }
.faq { border-bottom: 1px solid var(--line); }
.faq button {
  display: flex; justify-content: space-between; align-items: center; gap: 20px; width: 100%;
  padding: 26px 6px; background: none; border: 0; text-align: left;
  font-family: var(--serif); font-size: 27px; line-height: 1.3;
}
.faq button:hover { color: var(--red); }
.faq-icon { position: relative; width: 14px; height: 14px; flex: none; transition: transform .25s; }
.faq-icon::before, .faq-icon::after { content: ""; position: absolute; background: var(--red); left: 50%; top: 50%; transform: translate(-50%, -50%); }
.faq-icon::before { width: 14px; height: 2px; }
.faq-icon::after { width: 2px; height: 14px; }
.faq button[aria-expanded="true"] .faq-icon { transform: rotate(45deg); }
.faq-a p { padding: 0 6px 30px; color: var(--muted); font-size: 17.5px; line-height: 1.65; max-width: 980px; }

/* ---------- CTA ---------- */
.cta-band { background: var(--red); color: #fff; padding: 84px 0; }
.cta-grid { display: grid; grid-template-columns: .9fr 1.6fr auto; gap: 50px; align-items: center; }
.cta-script { font-family: var(--serif); font-style: italic; font-size: 32px; line-height: 1.2; transform: rotate(-3deg); }
.cta-title { font-family: var(--serif); font-size: clamp(36px, 4.4vw, 52px); line-height: 1.08; }
.cta-band .eyebrow { margin-bottom: 26px; }
.cta-band :focus-visible { outline-color: #fff; }

/* ---------- footer ---------- */
.professionals { padding: 120px 0; }
.professionals-cta { margin-top: 30px; }
.site-footer { background: var(--navy); color: rgba(255,255,255,.85); padding: 56px 0 120px; }
.footer-grid { display: grid; grid-template-columns: 1fr 2fr 1.2fr; gap: 40px; align-items: start; }
.footer-logo { color: #fff; }
.footer-logo .logo-name { font-size: 27px; display: block; }
.footer-logo-sub { font-size: 13px; letter-spacing: .22em; text-transform: uppercase; }
.footer-legal p { font-size: 15px; line-height: 1.6; margin-bottom: 8px; }
.footer-legal a { text-decoration: none; }
.footer-legal a:hover { text-decoration: underline; }
.footer-legal .ehl { display: flex; align-items: center; gap: 10px; }
.ehl svg { flex: none; width: 34px; height: 31px; fill: #fff; }
.ehl > span { min-width: 0; font-weight: 600; letter-spacing: .04em; text-transform: uppercase; font-size: 14px; }
.footer-nav { display: flex; gap: 20px; justify-content: flex-end; flex-wrap: wrap; }
.footer-nav a, .footer-nav button { display: inline-flex; align-items: center; min-height: 48px; color: #fff; text-decoration: none; background: none; border: 0; padding: 0; font-size: 16px; }
.footer-nav a:hover, .footer-nav button:hover { text-decoration: underline; }
.footer-credit { margin-top: 40px; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.15); display: flex; justify-content: center; }
.footer-credit a { display: inline-flex; align-items: center; gap: 12px; min-height: 48px; color: rgba(255,255,255,.85); font-size: 15px; text-decoration: none; }
.footer-credit a:hover span { text-decoration: underline; }
.footer-credit img { height: 84px; width: auto; }

/* ---------- Smart Assistant ---------- */
.assistant-launcher {
  position: fixed; right: 24px; bottom: 20px; z-index: 60;
  display: inline-flex; align-items: center; gap: 10px;
  background: var(--navy); color: #fff; border: 0; border-radius: 99px; padding: 18px 26px;
  font-weight: 700; font-size: 18px; box-shadow: 0 16px 40px -12px rgba(11,29,63,.6);
  transition: transform .2s;
}
.assistant-launcher:hover { transform: translateY(-2px); }
.assistant-launcher[hidden], .assistant-launcher.is-tucked { display: none; }
.assistant-launcher[aria-expanded="true"] { display: none; }
.dot { display: inline-block; width: 10px; height: 10px; border-radius: 50%; background: var(--green); }
.assistant {
  position: fixed; right: 24px; bottom: 20px; z-index: 70;
  width: min(410px, calc(100vw - 32px)); height: min(640px, calc(100vh - 40px));
  display: flex; flex-direction: column; background: #fff; border-radius: 20px; overflow: hidden;
  box-shadow: 0 30px 80px -20px rgba(11,29,63,.55);
}
.assistant[hidden] { display: none; }
.assistant-head { display: flex; justify-content: space-between; align-items: flex-start; padding: 18px 20px; background: var(--navy); color: #fff; }
.assistant-head h2 { font-family: var(--serif); font-size: 26px; line-height: 1.1; }
.assistant-head p { font-size: 15px; opacity: .85; margin-top: 4px; display: flex; align-items: center; gap: 6px; }
.assistant-head .dot { width: 8px; height: 8px; }
.assistant-close { flex: none; width: 48px; height: 48px; margin: -8px -10px 0 0; background: none; border: 0; color: #fff; font-size: 30px; line-height: 1; padding: 0; }
.assistant-log { flex: 1; overflow-y: auto; padding: 18px; display: flex; flex-direction: column; gap: 10px; background: var(--cream); }
.msg { max-width: 86%; padding: 11px 14px; border-radius: 14px; font-size: 17px; line-height: 1.5; white-space: pre-wrap; word-wrap: break-word; }
.msg-agent { align-self: flex-start; background: #fff; border-bottom-left-radius: 4px; box-shadow: 0 1px 2px rgba(0,0,0,.05); }
.msg-user { align-self: flex-end; background: var(--navy); color: #fff; border-bottom-right-radius: 4px; }
.msg-typing { letter-spacing: .2em; color: var(--muted); animation: blink 1.2s infinite; }
@keyframes blink { 50% { opacity: .4; } }
.msg-action { align-self: flex-start; }
.msg-action .btn { padding: 10px 16px; font-size: 16px; }
.msg-disclosure { max-width: 100%; display: grid; gap: 12px; white-space: normal; }
.msg-robin { align-self: stretch; display: grid; gap: 12px; }
.assistant-chips[hidden] { display: none; }
.assistant-chips { display: flex; gap: 8px; padding: 10px 14px; overflow-x: auto; background: #fff; border-top: 1px solid var(--line); scrollbar-width: none; }
.assistant-chips button { flex: none; background: #fff; border: 1.5px solid var(--line); border-radius: 99px; min-height: 48px; padding: 7px 15px; font-size: 16px; font-weight: 600; }
.assistant-chips button:hover { border-color: var(--navy); }
.assistant-chips .chip-book { border-color: var(--red); color: var(--red); }
.assistant-form { display: flex; gap: 8px; padding: 12px 14px 6px; background: #fff; }
.assistant-form input { flex: 1; min-width: 0; height: 48px; padding: 0 14px; border: 1.5px solid var(--control-border); border-radius: 10px; font: inherit; font-size: 16px; }
.assistant-form input:focus { outline: none; border-color: var(--navy); }
.assistant-form button { flex: none; width: 48px; height: 48px; border: 0; border-radius: 10px; background: var(--red); color: #fff; font-size: 20px; }
.assistant-form button:disabled { opacity: .5; }
.assistant-foot { font-size: 14px; color: var(--muted); padding: 2px 14px 12px; background: #fff; }

.field[hidden] { display: none; }
.booking { align-self: stretch; background: #fff; border-radius: 14px; padding: 18px; display: grid; gap: 10px; box-shadow: 0 1px 2px rgba(0,0,0,.06); }
.booking h3 { font-family: var(--serif); font-size: 23px; line-height: 1.15; }
.booking-sub { font-size: 16px; color: var(--muted); margin-top: -4px; }
.booking label { display: block; font-size: 16px; font-weight: 700; }
.booking .consent { display: flex; gap: 12px; align-items: flex-start; min-height: 48px; font-weight: 400; line-height: 1.45; }
.booking .consent input { flex: none; width: 24px; height: 24px; min-height: 0; margin: 2px 0 0; accent-color: var(--red); }
.booking .consent input:focus-visible { outline: 3px solid var(--red); outline-offset: 3px; }
.consent-link { font-size: 16px; }
.consent-link a { display: inline-flex; align-items: center; min-height: 48px; }
.consent-link[hidden], .lead-estimate-note[hidden] { display: none; }
.booking label > input, .booking label > select { display: block; margin-top: 4px; }
.booking input, .booking select {
  font: inherit; font-size: 18px; font-weight: 400; min-height: 48px; padding: 9px 11px; border: 1.5px solid var(--control-border); border-radius: 8px; background: #fff; width: 100%;
}
.booking input:focus, .booking select:focus { outline: none; border-color: var(--red); }
.booking .form-error { margin: 0; }
.booking.is-sent { text-align: center; padding: 22px 18px; }

/* ---------- reveal ---------- */
@media (prefers-reduced-motion: no-preference) {
  .reveal { opacity: 0; transform: translateY(18px); transition: opacity .7s ease, transform .7s ease; }
  .reveal.is-visible { opacity: 1; transform: none; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .bar span { transition: none; }
  .hero-slide { transition: none; }
  .dot { animation: none; }
}

/* ---------- responsive ---------- */
@media (max-width: 1366px) {
  .site-nav { gap: 20px; }
  .site-nav a { font-size: 16px; }
  .nav-phone { font-size: 17px !important; }
  .logo-name { font-size: 28px; }
}
/* The full nav needs about 1400px, more in Spanish, so below 1500px the
   links move into the menu. The language switch stays in plain view beside
   the menu button, so a Spanish reader never has to open the menu to find it. */
@media (max-width: 1499px) {
  .nav-toggle { display: block; }
  .site-nav {
    position: absolute; top: var(--header-h); left: 0; right: 0; flex-direction: column; align-items: stretch; gap: 0;
    background: #fff; border-bottom: 1px solid var(--line); padding: 8px 24px 24px; box-shadow: 0 20px 30px -20px rgba(0,0,0,.2);
    display: none;
  }
  .site-nav.is-open { display: flex; }
  .site-nav a { padding: 14px 0; border-bottom: 1px solid var(--line); font-size: 17px; }
  .site-nav .btn-talk { margin-top: 16px; }
  .site-nav .lang-switch { display: none; }
  .lang-switch--mobile {
    display: inline-flex; align-items: center; min-height: 48px; margin-left: auto; margin-right: -4px; padding: 10px 12px; border-radius: 999px;
    text-decoration: none; font-size: 16px;
  }
  .lang-switch--mobile:hover { background: var(--cream); }
  .nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(7px) rotate(45deg); }
  .nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-7px) rotate(-45deg); }
}
@media (max-width: 1024px) {
  :root { --header-h: 76px; }
  .trust-grid { grid-template-columns: 1fr 1fr; gap: 24px 0; }
  .trust-item:nth-child(3) { border-left: 1px solid var(--line); }
  .trust-item:nth-child(3) { padding-left: 28px; }
  .trust-item:nth-child(odd) { border-left: 0; padding-left: 0; }
  .explorer-grid, .tradeoffs-grid { grid-template-columns: 1fr; gap: 50px; }
  .compare-wrap { grid-template-columns: 1fr; }
  .team-grid { grid-template-columns: 1fr; }
  .cta-grid { grid-template-columns: 1fr; gap: 28px; }
  .cta-script { transform: none; }
  .footer-grid { grid-template-columns: 1fr; gap: 24px; }
  .footer-nav { justify-content: flex-start; }
}
@media (max-width: 720px) {
  .container { width: calc(100% - 32px); }
  section.explorer, section.process, section.tradeoffs, section.compare, section.team, section.faqs, section.counseling, .professionals { padding: 76px 0; }
  .result-cards { grid-template-columns: 1fr; }
  .result-card { padding: 26px 22px; }
  .result-actions .btn { width: 100%; }
  .dialog-inner { padding: 30px 22px 22px; }
  .logo-name { font-size: 22px; }
  .logo-sub { font-size: 8.5px; }
  .hero { min-height: 0; align-items: flex-end; }
  .hero-media { left: 0; }
  .hero-slide { bottom: auto; height: 300px; background-position: var(--pos, center); -webkit-mask-image: linear-gradient(#000 70%, transparent); mask-image: linear-gradient(#000 70%, transparent); }
  .hero-pause { top: 236px; right: 12px; }
  .hero-slide:first-child { height: auto; aspect-ratio: 647 / 623; background-position: center top; background-size: 100% auto; -webkit-mask-image: none; mask-image: none; }
  .hero-media::before { background: linear-gradient(180deg, rgba(11,29,63,.1) 0%, rgba(11,29,63,.7) 40%, var(--navy) 62%); }
  .hero-inner { padding: 240px 0 48px; }
  .hero-lede { font-size: 18px; }
  .hero-cta { width: auto; }
  .hero-actions .btn { width: 100%; }
  .hero-note { font-size: 16px; gap: 4px 12px; justify-content: center; }
  /* "Conozca sus opciones." is wider than a phone; let it wrap there. */
  .hero-title .underline { white-space: normal; }
  .trust-grid { grid-template-columns: 1fr; }
  .trust-item, .trust-item:nth-child(3) { border-left: 0; padding: 0; }
  .explorer-card { padding: 28px 20px; }
  .field-grid { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; gap: 48px; }
  .steps li::before { display: none; }
  .tradeoff-card { padding: 26px 22px; }
  .bar-head { grid-template-columns: 1fr; gap: 2px; }
  .compare-table { font-size: 15px; }
  .compare-table th, .compare-table td { padding: 12px 10px; }
  .compare-table thead th { font-size: 20px; }
  .person { flex-direction: column; text-align: center; }
  .person img { width: 140px; height: 160px; }
  .faq button { font-size: 22px; padding: 22px 2px; }
  .assistant-launcher { right: 16px; bottom: 16px; padding: 14px 20px; font-size: 16px; }
  .assistant { right: 0; bottom: 0; width: 100vw; height: 100dvh; border-radius: 0; }
}

.nowrap { white-space: nowrap; }

/* Readability: Source Serif 4 at medium weight with a capped optical size keeps
   strokes sturdy on white. The audience skews 60+, so headings favor legibility
   over hairline contrast. */
.display, .hero-title, .card-title, .cta-title, .steps h3, .person h3, .bar-label,
.trust-item h3, .faq button, .assistant-head h2, .booking h3, .compare-table thead th,
.cta-script {
  font-weight: 500;
  font-variation-settings: "opsz" 32;
  letter-spacing: -0.01em;
}
.hero-title { font-size: clamp(44px, 6.2vw, 78px); line-height: 1.06; }
.explorer-copy .display { font-size: clamp(36px, 4.1vw, 54px); }
.trust-item h3 { font-size: 21px; }
.faq button { font-size: 25px; }
/* Logo: sturdy Source Serif 4 semibold instead of hairline Bodoni, so the
   name reads clearly at a glance. */
.logo-name { font-family: var(--serif); font-weight: 600; font-variation-settings: "opsz" 32; letter-spacing: .02em; }

/* No orphaned last words. Headings balance their lines evenly; body copy
   avoids leaving a single word on the final line. Browsers without support
   simply wrap normally. */
h1, h2, h3, .display, .hero-title, .cta-title, .cta-script, .card-title, .faq button, .eyebrow { text-wrap: balance; }
p, li, dd, dt, td, th, label, .checklist li, .fineprint, .lede-muted, .lede-light, .hero-lede { text-wrap: pretty; }
.nowrap-tail { white-space: nowrap; }
.nowrap-tail.wrap-ok { white-space: normal; }

/* Comparison table on phones: each row label becomes a full-width band with
   the two answers side by side beneath it, so cells aren't squeezed into
   three narrow columns. */
@media (max-width: 720px) {
  .compare-table, .compare-table thead, .compare-table tbody { display: block; }
  .compare-table tr { display: grid; grid-template-columns: 1fr 1fr; }
  .compare-table thead th:first-child { display: none; }
  .compare-table tbody th {
    grid-column: 1 / -1; width: auto; text-align: center; background: var(--cream);
    font-size: 14px; letter-spacing: .1em; text-transform: uppercase; padding: 10px 12px; border-bottom: 0;
  }
  .compare-table td { font-size: 15px; padding: 12px 12px 16px; }
  .compare-table td:last-child { border-left: 1px solid var(--line); }
}
.faq-q { min-width: 0; }
.explorer-grid > *, .tradeoffs-grid > * { min-width: 0; }
@media (max-width: 400px) { .explorer-copy .display { font-size: 33px; } }
/* Keeps "HUD-approved counselor." on one line down to 320px screens. */
@media (max-width: 720px) { .counseling-container .display { font-size: min(38px, 8vw); } }
.steps p, .explorer-step .fineprint, .center { text-wrap: balance; }
/* Smallest phones: logo, language switch and menu button share one row. */
@media (max-width: 400px) {
  .header-inner { gap: 8px; }
  .logo-name { font-size: 20px; }
  .lang-switch--mobile { padding: 8px 6px; margin-right: 0; }
  .lang-switch--mobile svg { display: none; }
}

/* ---------- HUD counseling ---------- */
.counseling-container { max-width: 1010px; }
.counseling-form { display: flex; align-items: flex-end; justify-content: center; gap: 16px; margin: 44px auto 0; max-width: 560px; }
.counseling-form .field { flex: 1; }
.counseling-error { text-align: center; margin-top: 16px; }
.counseling-results:not(:empty) { margin-top: 44px; }
.counseling-summary { font-size: 18px; font-weight: 600; margin-bottom: 20px; }
.counselor-list { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 20px; }
.counselor { background: #fff; border-radius: var(--radius-lg); padding: 26px 28px; box-shadow: var(--shadow); }
.counselor h3 { font-family: var(--serif); font-size: 24px; line-height: 1.25; margin-bottom: 4px; }
.counselor-distance { font-size: 15px; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--red); margin-bottom: 12px; }
.counselor p { font-size: 17px; line-height: 1.5; }
.counselor-detail { color: var(--muted); margin-top: 6px; }
.counselor-contact { display: flex; flex-wrap: wrap; gap: 4px 20px; margin-top: 10px; }
.counselor-contact a { display: inline-block; padding: 10px 0; font-weight: 700; text-decoration-color: var(--red); text-underline-offset: 4px; }
.counselor-contact a:hover { color: var(--red); }
.counseling-links { margin-top: 44px; text-align: center; }
.counseling-links p { font-weight: 600; }
.counseling-links ul { list-style: none; padding: 0; margin: 8px 0 0; display: flex; flex-wrap: wrap; justify-content: center; gap: 0 32px; }
.counseling-links a { display: inline-block; padding: 12px 0; font-weight: 700; text-decoration-color: var(--red); text-underline-offset: 4px; }
.counseling-links a:hover { color: var(--red); }
.counseling .fineprint { max-width: 720px; margin: 24px auto 0; }
@media (max-width: 720px) {
  .counseling-form { flex-direction: column; align-items: stretch; }
  .counseling-form .btn { width: 100%; }
  .counselor-list { grid-template-columns: 1fr; }
  .counselor { padding: 22px; }
}