/* ==========================================================================
   Component library, proven in production. Extend rather than replace.
   Requires tokens.css to load first.
   ========================================================================== */

/* ==========================================================================
   My Lender Jackie, site-wide design system
   Source of truth: client-approved homepage (hero.css + page.css), extended.
   Palette: navy #0B1F3A · teal #3A8F8A/#2d7270 · gold #C8A96A · cream #F8F5EF
   Type: Playfair Display (display) · Inter (UI/body)
   ========================================================================== */


*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; }
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}

body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  color: var(--site-charcoal);
  background: var(--site-cream);
  -webkit-text-size-adjust: 100%;
}

img { max-width: 100%; height: auto; }
a { color: var(--site-teal-dark); text-underline-offset: 3px; }
a:focus-visible, button:focus-visible, summary:focus-visible, input:focus-visible, textarea:focus-visible, select:focus-visible {
  outline: 3px solid rgba(200, 169, 106, .8);
  outline-offset: 2px;
  border-radius: 4px;
}

.container { width: min(1180px, calc(100% - 40px)); margin-inline: auto; }

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  padding: 12px 20px; background: var(--site-navy); color: #fff;
  font-weight: 700; border-radius: 0 0 12px 0; text-decoration: none;
}
.skip-link:focus { left: 0; }

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

/* ==========================================================================
   Buttons
   ========================================================================== */
.site-btn {
  display: inline-flex; min-height: 46px; align-items: center; justify-content: center;
  gap: 8px; border-radius: var(--site-radius); padding: 12px 18px;
  font-size: .95rem; font-weight: 700; line-height: 1.2; text-align: center;
  text-decoration: none; border: 0; cursor: pointer; font-family: var(--font-body);
  transition: transform .18s ease, box-shadow .18s ease, background .18s ease;
}
.site-btn:hover, .site-btn:focus-visible { transform: translateY(-1px); }
.site-btn--primary { color: #fff; background: var(--site-navy); box-shadow: var(--site-shadow); }
.site-btn--secondary { color: var(--site-navy); background: #fff; border: 1px solid rgba(30, 42, 58, .18); }
.site-btn--text { color: var(--site-navy); background: transparent; border: 0; text-decoration: underline; text-underline-offset: 3px; }
.btn-block {
  display: flex; width: 100%; min-height: 46px; align-items: center; justify-content: center;
  border-radius: 999px; background: var(--site-gold); color: var(--site-navy);
  font-weight: 700; text-decoration: none; font-size: .9rem; padding: 10px 16px;
}
.btn-white {
  display: inline-flex; min-height: 46px; align-items: center; padding: 10px 20px;
  border-radius: 999px; background: var(--site-gold); color: var(--site-navy);
  font-weight: 700; text-decoration: none;
}
.btn-outline-white {
  display: inline-flex; min-height: 46px; align-items: center; padding: 10px 20px;
  border-radius: 999px; border: 1px solid rgba(255,255,255,.55); color: #fff;
  font-weight: 700; text-decoration: none;
}
@media (prefers-reduced-motion: reduce) {
  .site-btn { transition: none; }
  .site-btn:hover, .site-btn:focus-visible { transform: none; }
}

/* ==========================================================================
   Header + navigation (replaces the review-only background picker)
   ========================================================================== */
.site-nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(247, 244, 239, 0.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(30, 42, 58, 0.08);
}
.site-nav__inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 20px; min-height: 92px; padding: 14px 0;
}
.site-nav__brand { display: inline-flex; align-items: center; flex-shrink: 0; line-height: 0; }
.site-nav__brand img { width: auto; height: 72px; max-width: 340px; display: block; }

.site-nav__menu { display: flex; align-items: center; }
.nav-list {
  display: flex; align-items: center; gap: 2px;
  margin: 0; padding: 0; list-style: none;
}
.nav-list > li { position: relative; }
.nav-list > li > a,
.nav-list > li > button {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 12px 13px; border: 0; background: none; cursor: pointer;
  color: var(--site-navy); font: 600 .95rem/1 var(--font-body);
  text-decoration: none; border-radius: 10px; white-space: nowrap;
}
.nav-list > li > a:hover, .nav-list > li > button:hover,
.nav-list > li > a[aria-current="page"] { background: rgba(200, 169, 106, .18); }
.nav-list > li > a[aria-current="page"] { color: var(--site-teal-dark); }

.nav-caret { width: 10px; height: 10px; fill: none; stroke: currentColor; stroke-width: 2.4; stroke-linecap: round; stroke-linejoin: round; transition: transform .15s ease; }
.nav-item--open > button .nav-caret { transform: rotate(180deg); }

.nav-dropdown {
  position: absolute; top: calc(100% + 6px); left: 0; z-index: 110;
  min-width: 300px; margin: 0; padding: 10px; list-style: none;
  background: #fff; border: 1px solid rgba(11, 31, 58, .1);
  border-radius: 16px; box-shadow: 0 24px 60px rgba(11, 31, 58, .18);
  display: none;
}
.nav-item--open > .nav-dropdown { display: block; }
.nav-dropdown li + li { margin-top: 2px; }
.nav-dropdown a {
  display: block; padding: 9px 12px; border-radius: 10px;
  color: var(--site-navy); font-size: .92rem; font-weight: 500; text-decoration: none;
}
.nav-dropdown a:hover, .nav-dropdown a:focus-visible { background: var(--site-cream); color: var(--site-teal-dark); }
.nav-dropdown a strong { display: block; font-weight: 700; }
.nav-dropdown a small { color: var(--site-ink-faint); font-size: .8rem; }
.nav-dropdown__all { border-top: 1px solid rgba(11,31,58,.08); margin-top: 8px !important; padding-top: 8px; }
.nav-dropdown__all a { color: var(--site-teal-dark); font-weight: 700; }

.site-nav__actions { display: flex; gap: 10px; align-items: center; flex-shrink: 0; }
.site-nav__actions .site-btn { min-height: 42px; padding: 10px 16px; font-size: .88rem; box-shadow: none; }

.nav-toggle {
  display: none; align-items: center; justify-content: center;
  width: 46px; height: 46px; border: 1px solid rgba(11,31,58,.16);
  border-radius: 12px; background: #fff; cursor: pointer; color: var(--site-navy);
}
.nav-toggle svg { width: 22px; height: 22px; stroke: currentColor; stroke-width: 2; stroke-linecap: round; fill: none; }
.nav-toggle .icon-close { display: none; }
.nav-toggle[aria-expanded="true"] .icon-open { display: none; }
.nav-toggle[aria-expanded="true"] .icon-close { display: block; }

@media (max-width: 1120px) {
  .nav-list > li > a, .nav-list > li > button { padding: 12px 9px; font-size: .89rem; }
}

@media (max-width: 960px) {
  .nav-toggle { display: inline-flex; }
  .site-nav__menu {
    position: fixed; inset: 67px 0 0 0; z-index: 105;
    display: none; overflow-y: auto;
    background: var(--site-cream); padding: 18px 20px 40px;
  }
  .site-nav__menu.is-open { display: block; }
  .nav-list { flex-direction: column; align-items: stretch; gap: 4px; }
  .nav-list > li > a, .nav-list > li > button {
    width: 100%; justify-content: space-between; padding: 14px 14px;
    font-size: 1.02rem; background: #fff; border: 1px solid rgba(11,31,58,.08);
  }
  .nav-dropdown {
    position: static; min-width: 0; box-shadow: none;
    border: 0; background: transparent; padding: 4px 6px 8px;
  }
  .nav-dropdown a { background: rgba(255,255,255,.6); margin-top: 4px; }
  .site-nav__actions { display: none; }
  .nav-list__cta { display: grid; gap: 10px; margin-top: 14px; }
  .nav-list__cta .site-btn { width: 100%; }
}
@media (min-width: 961px) { .nav-list__cta { display: none; } }

/* ==========================================================================
   Homepage hero (approved)
   ========================================================================== */
.site-hero {
  position: relative; isolation: isolate; overflow: hidden;
  min-height: clamp(680px, 82vh, 880px);
  padding: clamp(32px, 6vw, 70px) 20px 18px;
  color: var(--site-charcoal); background: var(--site-cream);
}
.site-hero__bg, .site-hero__bg img, .site-hero__shade { position: absolute; inset: 0; width: 100%; height: 100%; }
.site-hero__bg { z-index: -2; }
.site-hero__bg img { object-fit: cover; transform: scale(1.01); }
.site-hero__shade {
  z-index: -1;
  background:
    radial-gradient(circle at 78% 16%, rgba(255,255,255,.82), rgba(255,255,255,0) 28%),
    linear-gradient(90deg, rgba(248,245,239,.98) 0%, rgba(248,245,239,.94) 43%, rgba(248,245,239,.70) 64%, rgba(248,245,239,.43) 100%),
    linear-gradient(180deg, rgba(248,245,239,.14) 0%, rgba(11,31,58,.10) 100%);
}
.site-hero__inner {
  width: min(1220px, 100%); margin: 0 auto; display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(330px, .72fr);
  gap: clamp(28px, 5vw, 68px); align-items: center;
}
.site-hero__content {
  max-width: 760px; padding: clamp(24px, 4vw, 42px);
  border: 1px solid rgba(200, 169, 106, .28); border-radius: var(--site-radius-lg);
  background: rgba(248, 245, 239, .86); box-shadow: var(--site-shadow-lg);
  backdrop-filter: blur(10px);
}
.site-hero__eyebrow {
  margin: 0 0 14px; color: var(--site-teal-dark);
  font-size: clamp(.8rem, 1.4vw, .92rem); font-weight: 800;
  letter-spacing: .14em; text-transform: uppercase;
}
.site-hero h1 {
  margin: 0; color: var(--site-navy); font-family: var(--font-display);
  font-size: clamp(2.1rem, 4.8vw, 3.5rem); line-height: 1.04;
  letter-spacing: -.02em; text-wrap: balance;
}
.site-hero__lead, .site-hero__body {
  margin: 16px 0 0; max-width: 680px; color: var(--site-charcoal);
  font-size: clamp(1rem, 1.45vw, 1.12rem); line-height: 1.62;
}
.site-hero__body { font-size: clamp(.95rem, 1.3vw, 1.05rem); }
.site-hero__proof {
  display: grid; grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 10px; margin: 24px 0 0; padding: 0; list-style: none;
}
.site-hero__proof li { padding: 15px 14px; border: 1px solid rgba(58, 143, 138, .24); border-radius: var(--site-radius); background: rgba(255,255,255,.72); }
.site-hero__proof strong { display: block; color: var(--site-navy); font-family: var(--font-display); font-size: clamp(1.15rem, 2vw, 1.55rem); line-height: 1; }
.site-hero__proof span { display: block; margin-top: 6px; color: #496067; font-size: .84rem; line-height: 1.25; }
.site-hero__actions { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; margin-top: 26px; }
.site-hero__microcopy { margin: 14px 0 0; color: var(--site-ink-faint); font-size: .92rem; line-height: 1.45; }
.site-hero__microcopy ul { margin: 8px 0 0; padding: 0; list-style: none; display: flex; flex-wrap: wrap; gap: 8px 16px; }
.site-hero__microcopy li::before {
  content: ""; display: inline-block; width: 7px; height: 7px; margin-right: 6px;
  border-radius: 50%; background: var(--site-teal); vertical-align: middle;
}
.site-hero__topic-links { display: flex; flex-wrap: wrap; gap: 8px 12px; margin-top: 18px; color: #55676d; font-size: .92rem; line-height: 1.45; }
.site-hero__topic-links span { font-weight: 800; color: var(--site-navy); }
.site-hero__topic-links a { color: var(--site-teal-dark); font-weight: 600; }
.site-hero__visual { display: grid; gap: 18px; justify-items: center; }
.site-hero__photo-card {
  position: relative; width: min(410px, 100%); border-radius: 36px;
  border: 1px solid rgba(255,255,255,.72); background: rgba(248, 245, 239, .64);
  box-shadow: 0 34px 74px rgba(11, 31, 58, .20); padding: 12px;
}
.site-hero__photo-card img { display: block; width: 100%; height: auto; border-radius: var(--site-radius-lg); aspect-ratio: 4 / 5; object-fit: cover; }
.site-hero__review-card {
  position: absolute; left: 22px; right: 22px; bottom: 22px;
  padding: 14px 16px; border-radius: 20px; color: #fff;
  background: linear-gradient(135deg, rgba(11, 31, 58, .95), rgba(45, 114, 112, .94));
  box-shadow: 0 18px 34px rgba(11, 31, 58, .28);
}
.site-stars { display: block; color: var(--site-gold); letter-spacing: .08em; font-size: .96rem; line-height: 1; }
.site-hero__review-card strong { display: block; margin-top: 5px; font-size: 1rem; }
.site-hero__review-card small { display: block; margin-top: 3px; color: rgba(255,255,255,.78); font-size: .8rem; }
.site-hero__quote {
  width: min(410px, 100%); padding: 18px 20px; border-radius: 24px;
  background: rgba(255, 255, 255, .70); border: 1px solid rgba(200, 169, 106, .25);
  color: #32474d; box-shadow: 0 18px 44px rgba(11, 31, 58, .10);
}
.site-hero__quote p { margin: 0; font-family: var(--font-display); font-size: clamp(1rem, 1.35vw, 1.14rem); line-height: 1.42; color: var(--site-navy); }
.site-hero__quote span { display: block; margin-top: 8px; color: var(--site-gold-dark); font-weight: 700; font-size: .9rem; }
.site-hero__disclosure { width: min(1220px, 100%); margin: 24px auto 0; color: rgba(34, 34, 34, .66); font-size: .78rem; line-height: 1.45; }

@media (max-width: 980px) {
  .site-hero { min-height: auto; padding-top: 26px; }
  .site-hero__inner { grid-template-columns: 1fr; }
  .site-hero__content { max-width: none; }
  .site-hero__visual { grid-template-columns: minmax(220px, 340px) minmax(250px, 1fr); align-items: center; justify-content: center; }
  .site-hero__photo-card, .site-hero__quote { width: 100%; }
}
@media (max-width: 767px) {
  .site-hero { padding: 18px 14px 14px; }
  .site-hero__shade {
    background:
      linear-gradient(180deg, rgba(248,245,239,.95) 0%, rgba(248,245,239,.90) 45%, rgba(248,245,239,.83) 100%),
      radial-gradient(circle at 50% 5%, rgba(255,255,255,.84), rgba(255,255,255,0) 44%);
  }
  .site-hero__inner { gap: 20px; }
  .site-hero__content { padding: 24px 18px; border-radius: 24px; }
  .site-hero__proof { grid-template-columns: 1fr; }
  .site-hero__proof li { display: flex; align-items: baseline; gap: 10px; }
  .site-hero__proof span { margin-top: 0; }
  .site-hero__actions { display: grid; grid-template-columns: 1fr; }
  .site-hero__actions .site-btn { width: 100%; }
  .site-hero__visual { grid-template-columns: 1fr; }
  .site-hero__photo-card { width: min(330px, 94vw); }
  .site-hero__quote { width: 100%; }
}

/* ==========================================================================
   Sections + shared components (approved)
   ========================================================================== */
.section { padding: clamp(48px, 7vw, 72px) 0; }
.section--white { background: #fff; }
.section--ivory { background: var(--site-cream); }
.section--navy { background: var(--site-navy); color: var(--site-cream); text-align: center; }
.section--navy h2 { color: #fff; }
.section h2 { font-family: var(--font-display); color: var(--site-navy); font-size: clamp(1.75rem, 3.2vw, 2.35rem); margin: 0 0 .5em; letter-spacing: -.01em; }
.section__lead { max-width: 680px; margin: 0 0 28px; color: var(--site-ink-soft); }

.icon { width: 22px; height: 22px; stroke: var(--site-teal); fill: none; stroke-width: 1.75; stroke-linecap: round; stroke-linejoin: round; flex-shrink: 0; }

.path-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.path-card {
  display: flex; flex-direction: column; gap: 12px; min-height: 132px;
  padding: 22px 20px; border-radius: var(--site-radius); background: #fff;
  border: 1px solid rgba(11, 31, 58, 0.08); box-shadow: var(--site-shadow);
  text-decoration: none; color: inherit;
  transition: border-color 0.15s ease, transform 0.15s ease;
}
.path-card:hover { border-color: var(--site-gold); transform: translateY(-2px); }
.path-card__head { display: flex; align-items: center; gap: 10px; }
.path-card h3 { margin: 0; font-family: var(--font-display); font-size: 1.08rem; color: var(--site-navy); }
.path-card p { margin: 0; font-size: .88rem; color: #555; }
.path-card__cta { margin-top: auto; font-weight: 700; font-size: .86rem; color: var(--site-teal-dark); }

.strip-metrics { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.metric-card {
  position: relative; display: flex; flex-direction: column; align-items: center; justify-content: flex-end;
  min-height: 168px; padding: 22px 16px 20px; border-radius: var(--site-radius); overflow: hidden;
  text-align: center; border: 1px solid rgba(200, 169, 106, 0.45); box-shadow: 0 14px 36px rgba(11, 31, 58, 0.12);
  background-image: linear-gradient(180deg, rgba(11, 31, 58, 0.18) 0%, rgba(11, 31, 58, 0.72) 68%, rgba(11, 31, 58, 0.9) 100%), var(--metric-bg);
  background-size: cover; background-position: center;
}
.metric-card strong { display: block; position: relative; z-index: 1; font-family: var(--font-display); font-size: clamp(1.75rem, 3.2vw, 2.35rem); line-height: 1; color: var(--site-cream); letter-spacing: -0.02em; }
.metric-card span { position: relative; z-index: 1; display: block; margin-top: 8px; font-size: clamp(.95rem, 1.35vw, 1.12rem); font-weight: 600; line-height: 1.25; color: var(--site-gold); letter-spacing: 0.02em; }

.media-trust__label { margin: 0 0 14px; text-align: center; font-size: .78rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--site-teal-dark); }
.media-buckets--logos { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.media-bucket {
  display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 4px;
  min-height: 96px; padding: 20px 16px; border-radius: var(--site-radius); background: #fff;
  border: 1px solid rgba(200, 169, 106, 0.45); box-shadow: 0 14px 36px rgba(11, 31, 58, 0.08); text-align: center;
}
.media-bucket strong { font-family: var(--font-display); font-size: 1.15rem; color: var(--site-navy); letter-spacing: .02em; }
.media-bucket span { font-size: .78rem; color: var(--site-ink-faint); }

.loan-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 14px; }
.loan-card { display: flex; flex-direction: column; padding: 22px 18px; border-radius: var(--site-radius); background: var(--site-cream); border: 1px solid rgba(11, 31, 58, 0.08); }
.section--ivory .loan-card { background: #fff; }
.loan-card__icon { display: block; width: 56px; height: 56px; margin-bottom: 16px; fill: none; stroke: var(--site-teal); stroke-width: 1.6; stroke-linecap: round; stroke-linejoin: round; }
.loan-card h3 { margin: 0 0 8px; font-family: var(--font-display); font-size: 1.05rem; color: var(--site-navy); }
.loan-card h3 a { color: inherit; text-decoration: none; }
.loan-card h3 a:hover { color: var(--site-teal-dark); }
.loan-card p { margin: 0 0 16px; font-size: .88rem; color: #555; flex-grow: 1; }

.steps { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; margin-bottom: 24px; }
.step { padding: 22px; border-radius: 16px; background: #fff; border: 1px solid rgba(11, 31, 58, 0.08); }
.section--white .step { background: var(--site-cream); }
.step__num {
  display: inline-flex; width: 32px; height: 32px; align-items: center; justify-content: center;
  border-radius: 50%; background: var(--site-gold); color: var(--site-navy);
  font-weight: 800; font-size: .9rem; margin-bottom: 10px;
}
.step h3 { margin: 0 0 6px; font-family: var(--font-display); font-size: 1.05rem; color: var(--site-navy); }
.step p { margin: 0; font-size: .92rem; color: #555; }

.cta-banner {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 18px; padding: 32px; border-radius: 20px; background: var(--site-navy); color: var(--site-cream);
}
.cta-banner h2 { color: #fff; margin: 0; }
.cta-banner p { margin: 6px 0 0; color: rgba(248,245,239,.85); max-width: 560px; }
.cta-banner__actions { display: flex; flex-wrap: wrap; gap: 10px; }

.closings-bar, .mortgage-question { padding: 28px; border-radius: var(--site-radius); background: #fff; border: 1px solid rgba(58, 143, 138, 0.22); text-align: center; }
.mortgage-question { border: 2px solid var(--site-gold); }

.testimonials { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.testimonial { margin: 0; padding: 20px; border-radius: 16px; background: #fff; border: 1px solid rgba(11, 31, 58, 0.08); display: flex; flex-direction: column; }
.section--white .testimonial { background: var(--site-cream); }
.testimonial blockquote { margin: 0; font-size: .92rem; color: var(--site-ink-soft); flex-grow: 1; }
.testimonial blockquote::before { content: "\201C"; display: block; font-family: var(--font-display); font-size: 2rem; line-height: .5; color: var(--site-gold); margin-bottom: 8px; }
.testimonial footer { margin-top: 14px; font-weight: 700; color: var(--site-navy); font-size: .86rem; }
.testimonial__avatar { width: 54px; height: 54px; border-radius: 50%; object-fit: cover; display: block; margin: 0 0 10px; box-shadow: 0 0 0 2px #fff, 0 0 0 4px var(--site-gold); }
.testimonial__avatars { display: flex; margin: 0 0 10px; }
.testimonial__avatars .testimonial__avatar { margin: 0; }
.testimonial__avatars .testimonial__avatar + .testimonial__avatar { margin-left: -14px; }
.testimonial footer small { display: block; font-weight: 500; color: var(--site-ink-faint); }

.final-cta { display: grid; gap: 10px; max-width: 400px; margin: 24px auto 0; }

/* ==========================================================================
   Inner pages
   ========================================================================== */
.site-page-hero {
  position: relative; isolation: isolate; overflow: hidden;
  padding: clamp(36px, 5vw, 64px) 0 clamp(36px, 5vw, 56px);
  background: var(--site-cream);
  border-bottom: 1px solid rgba(30, 42, 58, .08);
}
.site-page-hero .container { max-width: 1180px; }
.site-page-hero__eyebrow,
.site-page-hero .eyebrow {
  margin: 10px 0 12px; color: var(--site-gold-dark); font-size: .8rem; font-weight: 700;
  letter-spacing: .12em; text-transform: uppercase;
}
.site-page-hero h1 {
  margin: 0; color: var(--site-navy); font-family: var(--font-display);
  font-size: clamp(1.95rem, 3.8vw, 2.85rem); line-height: 1.12; letter-spacing: -.015em;
  max-width: 20ch; text-wrap: balance;
}
.site-page-hero__lead,
.site-page-hero .lead {
  margin: 16px 0 0; max-width: 46rem; color: var(--site-ink-soft);
  font-size: clamp(1.05rem, 1.4vw, 1.15rem); line-height: 1.65;
}
.site-page-hero__actions,
.site-page-hero .hero-actions {
  display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; align-items: center;
}

.site-breadcrumbs { display: flex; flex-wrap: wrap; gap: 4px 6px; margin: 0; padding: 0; list-style: none; font-size: .82rem; color: var(--site-ink-faint); }
.site-breadcrumbs li + li::before { content: "›"; margin: 0 4px; color: rgba(34,34,34,.4); }
.site-breadcrumbs a { color: var(--site-teal-dark); text-decoration: none; }
.site-breadcrumbs a:hover { text-decoration: underline; }
.site-breadcrumbs [aria-current="page"] { color: var(--site-navy); font-weight: 600; }

.site-layout { display: grid; grid-template-columns: minmax(0, 1fr) 320px; gap: clamp(28px, 4vw, 56px); align-items: start; }
.site-layout--single { grid-template-columns: minmax(0, 820px); justify-content: center; }

.site-content { max-width: none; }
.site-content > p, .site-content > ul, .site-content > ol { color: #333; font-size: 1.02rem; line-height: 1.72; }
.site-content h2 { font-family: var(--font-display); color: var(--site-navy); font-size: clamp(1.4rem, 2.4vw, 1.8rem); margin: 1.8em 0 .5em; letter-spacing: -.01em; }
.site-content h2:first-child { margin-top: 0; }
.site-content h3 { color: var(--site-navy); font-size: 1.1rem; margin: 1.5em 0 .4em; }
.site-content ul, .site-content ol { padding-left: 1.3em; }
.site-content li { margin: .35em 0; }
.site-content li::marker { color: var(--site-gold-dark); font-weight: 700; }
.site-content img { border-radius: var(--site-radius); }
.site-content figure { margin: 1.6em 0; }
.site-content figcaption { font-size: .84rem; color: var(--site-ink-faint); margin-top: 8px; }

.site-callout {
  margin: 1.6em 0; padding: 18px 20px; border-radius: var(--site-radius-lg);
  background: rgba(176, 138, 94, .08); border: 1px solid rgba(176, 138, 94, .28);
  font-size: .98rem; line-height: 1.6;
}
.site-callout strong { display: block; color: var(--site-gold-dark); font-size: .82rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; margin-bottom: 6px; }
.site-callout--gold { background: rgba(176, 138, 94, .12); border-color: rgba(176, 138, 94, .4); }
.site-callout--gold strong { color: var(--site-gold-dark); }

.site-table-wrap { overflow-x: auto; margin: 1.4em 0; border-radius: 14px; border: 1px solid rgba(11, 31, 58, .1); }
.site-table { width: 100%; border-collapse: collapse; font-size: .92rem; background: #fff; }
.site-table caption { text-align: left; padding: 12px 14px; font-weight: 700; color: var(--site-navy); background: var(--site-cream); border-bottom: 1px solid rgba(11,31,58,.1); }
.site-table th, .site-table td { padding: 12px 14px; text-align: left; border-bottom: 1px solid rgba(11, 31, 58, .08); vertical-align: top; }
.site-table thead th { background: var(--site-navy); color: var(--site-cream); font-weight: 700; white-space: nowrap; }
.site-table tbody tr:last-child td { border-bottom: 0; }
.site-table tbody tr:nth-child(even) { background: rgba(248, 245, 239, .55); }
.site-table td:first-child { font-weight: 600; color: var(--site-navy); }

/* FAQ, native details/summary: crawlable, keyboard accessible, zero JS */
.site-faq { margin: 1em 0 0; }
.site-faq details { border: 1px solid rgba(11, 31, 58, .1); border-radius: 14px; background: #fff; margin-bottom: 10px; overflow: hidden; }
.site-faq summary {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding: 16px 18px; cursor: pointer; list-style: none;
  font-weight: 700; color: var(--site-navy); font-size: 1rem;
}
.site-faq summary::-webkit-details-marker { display: none; }
.site-faq summary::after {
  content: ""; flex-shrink: 0; width: 12px; height: 12px;
  border-right: 2.4px solid var(--site-gold-dark); border-bottom: 2.4px solid var(--site-gold-dark);
  transform: rotate(45deg); transition: transform .15s ease; margin-top: -4px;
}
.site-faq details[open] summary::after { transform: rotate(-135deg); margin-top: 4px; }
.site-faq details[open] summary { border-bottom: 1px solid rgba(11,31,58,.08); }
.site-faq .site-faq__a { padding: 14px 18px 18px; font-size: .96rem; line-height: 1.65; color: #333; }
.site-faq .site-faq__a p { margin: 0 0 .8em; }
.site-faq .site-faq__a p:last-child { margin-bottom: 0; }

/* Sidebar */
.site-sidebar { position: sticky; top: 84px; display: grid; gap: 16px; }
.site-side-card { padding: 22px 20px; border-radius: 20px; background: #fff; border: 1px solid rgba(11, 31, 58, .09); box-shadow: var(--site-shadow); }
.site-side-card--navy { background: linear-gradient(150deg, var(--site-navy), #12305a); color: var(--site-cream); border: 0; }
.site-side-card--navy h2 { color: #fff; }
.site-side-card h2 { margin: 0 0 6px; font-family: var(--font-display); font-size: 1.2rem; color: var(--site-navy); }
.site-side-card p { margin: 0 0 14px; font-size: .9rem; color: inherit; opacity: .92; }
.site-side-card .site-btn { width: 100%; margin-top: 8px; min-height: 46px; font-size: .92rem; }
.site-side-card__phone { display: block; margin: 4px 0 2px; font-family: var(--font-display); font-size: 1.35rem; font-weight: 700; color: inherit; text-decoration: none; }
.site-side-links { margin: 0; padding: 0; list-style: none; }
.site-side-links li + li { border-top: 1px solid rgba(11,31,58,.07); }
.site-side-links a { display: block; padding: 10px 2px; font-size: .92rem; font-weight: 600; color: var(--site-navy); text-decoration: none; }
.site-side-links a:hover { color: var(--site-teal-dark); }
.site-side-jackie { display: flex; gap: 14px; align-items: center; }
.site-side-jackie img { width: 72px; height: 72px; border-radius: 50%; object-fit: cover; border: 2px solid var(--site-gold); }
.site-side-jackie strong { display: block; color: var(--site-navy); }
.site-side-jackie small { color: var(--site-ink-faint); line-height: 1.4; display: block; }

@media (max-width: 960px) {
  .site-layout { grid-template-columns: 1fr; }
  .site-sidebar { position: static; }
}

/* Related cards */
.site-related-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 12px; margin-top: 14px; }
.site-related-card { display: block; padding: 16px 18px; border-radius: 14px; background: var(--site-cream); border: 1px solid rgba(11,31,58,.08); text-decoration: none; transition: border-color .15s ease; }
.site-related-card:hover { border-color: var(--site-gold); }
.site-related-card h3 { margin: 0 0 4px; font-size: .98rem; color: var(--site-navy); font-family: var(--font-display); }
.site-related-card p { margin: 0; font-size: .84rem; color: #555; }
@media (max-width: 640px) { .site-related-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   Specialty page components
   ========================================================================== */
.team-grid { display: grid; gap: 18px; }
.team-member { display: grid; grid-template-columns: 300px minmax(0,1fr); gap: clamp(20px, 3vw, 36px); padding: clamp(20px, 3vw, 32px); border-radius: 22px; background: #fff; border: 1px solid rgba(11,31,58,.08); box-shadow: var(--site-shadow); align-items: start; }
.team-member img { width: 100%; border-radius: var(--site-radius); aspect-ratio: 1/1.05; object-fit: cover; }
.team-member h3 { margin: 0; font-family: var(--font-display); color: var(--site-navy); font-size: 1.5rem; }
.team-member .team-member__role { margin: 4px 0 12px; color: var(--site-gold-dark); font-weight: 700; font-size: .9rem; letter-spacing: .06em; text-transform: uppercase; }
.team-member p { color: #333; font-size: .98rem; line-height: 1.68; }
.team-member__contact { display: flex; flex-wrap: wrap; gap: 8px 20px; margin: 0 0 12px; font-weight: 600; font-size: .94rem; }
@media (max-width: 760px) { .team-member { grid-template-columns: 1fr; } .team-member img { max-width: 340px; } }

.case-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 14px; }
.case-card__img { width: calc(100% + 44px); margin: -24px -22px 18px; border-radius: var(--site-radius) var(--site-radius) 0 0; display: block; height: auto; }
.case-card { display: flex; flex-direction: column; padding: 24px 22px; border-radius: var(--site-radius); background: #fff; border: 1px solid rgba(11,31,58,.08); box-shadow: var(--site-shadow); }
.case-card__amount { font-family: var(--font-display); font-size: 1.9rem; color: var(--site-navy); line-height: 1; letter-spacing: -.02em; }
.case-card h3 { margin: 10px 0 8px; font-size: 1.04rem; color: var(--site-navy); }
.case-card p { margin: 0 0 14px; font-size: .9rem; color: #555; flex-grow: 1; }
.case-card__tag { align-self: flex-start; margin-bottom: 12px; padding: 4px 12px; border-radius: 999px; background: rgba(58,143,138,.1); color: var(--site-teal-dark); font-size: .76rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; }
a.case-card__tag { text-decoration: none; }
a.case-card__tag:hover { text-decoration: underline; }
.case-card a { font-weight: 700; font-size: .88rem; }
@media (max-width: 960px) { .case-grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 640px) { .case-grid { grid-template-columns: 1fr; } }

.contact-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 14px; }
.contact-card { padding: 24px 22px; border-radius: var(--site-radius); background: #fff; border: 1px solid rgba(11,31,58,.08); box-shadow: var(--site-shadow); text-align: center; }
.contact-card .icon { width: 34px; height: 34px; margin: 0 auto 10px; display: block; }
.contact-card h3 { margin: 0 0 4px; font-family: var(--font-display); color: var(--site-navy); font-size: 1.1rem; }
.contact-card p { margin: 0 0 12px; font-size: .88rem; color: #555; }
.contact-card a.big { font-family: var(--font-display); font-size: 1.25rem; font-weight: 700; color: var(--site-navy); text-decoration: none; }
.contact-card a.big:hover { color: var(--site-teal-dark); }
@media (max-width: 900px) { .contact-grid { grid-template-columns: 1fr; } }

/* Blog */
.blog-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 16px; }
.blog-card { display: flex; flex-direction: column; border-radius: 20px; overflow: hidden; background: #fff; border: 1px solid rgba(11,31,58,.08); box-shadow: var(--site-shadow); }
.blog-card__body { display: flex; flex-direction: column; padding: 20px; flex-grow: 1; }
.blog-card__kicker { color: var(--site-teal-dark); font-size: .76rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 8px; }
.blog-card h2, .blog-card h3 { margin: 0 0 8px; font-family: var(--font-display); font-size: 1.15rem; line-height: 1.3; }
.blog-card h2 a, .blog-card h3 a { color: var(--site-navy); text-decoration: none; }
.blog-card h2 a:hover, .blog-card h3 a:hover { color: var(--site-teal-dark); }
.blog-card p { margin: 0 0 14px; font-size: .9rem; color: #555; flex-grow: 1; }
.blog-card time { font-size: .8rem; color: var(--site-ink-faint); }
@media (max-width: 960px) { .blog-grid { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 640px) { .blog-grid { grid-template-columns: 1fr; } }

.press-doc {
  margin: 0 0 2.4em; padding: 22px 22px 8px;
  border: 1px solid rgba(11, 31, 58, .1);
  border-radius: var(--site-radius-lg);
  background: #fff;
}
.press-doc--second { background: rgba(248, 245, 239, .55); }
.press-doc__kicker {
  margin: 0 0 6px; color: var(--site-gold-dark); font-size: .76rem;
  font-weight: 800; letter-spacing: .12em; text-transform: uppercase;
}
.press-doc__dateline { margin: 0 0 14px; color: var(--site-ink-faint); font-size: .92rem; }
.press-doc__guide {
  margin: 0 0 1.1em; padding: 12px 14px;
  background: rgba(176, 138, 94, .08);
  border-left: 3px solid var(--site-gold-dark);
  color: var(--site-navy); font-size: .95rem; line-height: 1.55;
}
.press-doc blockquote {
  margin: 1.2em 0; padding: 4px 0 4px 16px;
  border-left: 3px solid var(--site-navy);
  color: var(--site-navy);
}
.press-doc blockquote p { margin: 0; font-size: 1.02rem; line-height: 1.65; }

.article-meta { display: flex; flex-wrap: wrap; gap: 8px 18px; margin: 14px 0 0; font-size: .86rem; color: var(--site-ink-faint); align-items: center; }
.article-meta img { width: 40px; height: 40px; border-radius: 50%; object-fit: cover; border: 2px solid var(--site-gold); }
.article-meta strong { color: var(--site-navy); }

/* Trust page */
.trust-links { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 12px; }
.trust-link { display: block; padding: 16px 18px; border-radius: 14px; background: #fff; border: 1px solid rgba(11,31,58,.08); text-decoration: none; transition: border-color .15s ease; }
.trust-link:hover { border-color: var(--site-gold); }
.trust-link strong { display: block; color: var(--site-navy); font-size: .95rem; }
.trust-link span { display: block; margin-top: 3px; font-size: .8rem; color: var(--site-ink-faint); }
@media (max-width: 900px) { .trust-links { grid-template-columns: repeat(2,1fr); } }
@media (max-width: 600px) { .trust-links { grid-template-columns: 1fr; } }

.credential-list { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 0 28px; margin: 0; }
.credential-list div { display: flex; justify-content: space-between; gap: 14px; padding: 12px 2px; border-bottom: 1px solid rgba(11,31,58,.08); }
.credential-list dt { color: var(--site-ink-faint); font-size: .9rem; }
.credential-list dd { margin: 0; font-weight: 700; color: var(--site-navy); font-size: .92rem; text-align: right; }
@media (max-width: 760px) { .credential-list { grid-template-columns: 1fr; } }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { background: var(--site-navy); color: rgba(248,245,239,.85); font-size: .9rem; }
.site-footer a { color: var(--site-cream); text-decoration: none; }
.site-footer a:hover { color: var(--site-gold); text-decoration: underline; }
.site-footer__main { display: grid; grid-template-columns: 1.25fr 1fr 1fr 1.1fr; gap: clamp(24px, 4vw, 48px); padding: clamp(40px, 6vw, 60px) 0 32px; }
.site-footer__brand img { width: auto; height: 64px; max-width: 280px; margin-bottom: 14px; }
.site-footer__brand p { margin: 0 0 14px; line-height: 1.6; color: rgba(248,245,239,.75); }
.site-footer h2 { margin: 0 0 14px; font-family: var(--font-display); font-size: 1.02rem; color: var(--site-gold); letter-spacing: .04em; }
.site-footer ul { margin: 0; padding: 0; list-style: none; }
.site-footer li { margin: 0 0 9px; }
.site-footer address { font-style: normal; line-height: 1.7; }
.footer-social { display: flex; gap: 10px; margin-top: 14px; }
.footer-social a {
  display: inline-flex; align-items: center; justify-content: center;
  width: 38px; height: 38px; border-radius: 50%;
  background: rgba(248,245,239,.1); border: 1px solid rgba(248,245,239,.2);
}
.footer-social a:hover { background: var(--site-gold); border-color: var(--site-gold); text-decoration: none; }
.footer-social svg { width: 17px; height: 17px; fill: var(--site-cream); }
.footer-social a:hover svg { fill: var(--site-navy); }
.site-footer__legal { border-top: 1px solid rgba(248,245,239,.15); padding: 22px 0 30px; font-size: .78rem; line-height: 1.6; color: rgba(248,245,239,.62); }
.site-footer__legal p { margin: 0 0 8px; }
.site-footer__legal-links { display: flex; flex-wrap: wrap; gap: 6px 18px; margin: 0 0 12px; padding: 0; list-style: none; }
.site-footer__legal-links a { color: rgba(248,245,239,.82); }
.eho-mark { display: inline-flex; align-items: center; gap: 8px; margin-top: 6px; }
.eho-mark svg { width: 30px; height: 30px; fill: rgba(248,245,239,.75); }
@media (max-width: 960px) { .site-footer__main { grid-template-columns: 1fr 1fr; } }
@media (max-width: 600px) { .site-footer__main { grid-template-columns: 1fr; } }

/* ==========================================================================
   Forms (contact)
   ========================================================================== */
.site-form { display: grid; gap: 14px; }
.site-form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.site-form label { display: block; font-weight: 600; font-size: .9rem; color: var(--site-navy); margin-bottom: 5px; }
.site-form input, .site-form select, .site-form textarea {
  width: 100%; padding: 12px 14px; border-radius: 12px;
  border: 1px solid rgba(11,31,58,.2); background: #fff;
  font: inherit; color: var(--site-charcoal);
}
.site-form textarea { min-height: 130px; resize: vertical; }
.site-form small { color: var(--site-ink-faint); }
.site-form { position: relative; }
.site-form__honey { position: absolute; left: -10000px; height: 1px; width: 1px; overflow: hidden; }
.site-form__check { display: flex; gap: 10px; align-items: flex-start; }
.site-form__check input { margin-top: 4px; flex-shrink: 0; width: auto; }
.site-form__check label { font-weight: 500; margin-bottom: 0; }
@media (max-width: 640px) { .site-form__row { grid-template-columns: 1fr; } }

/* Utility grids */
.grid-2 { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 16px; }
@media (max-width: 760px) { .grid-2 { grid-template-columns: 1fr; } }

@media (max-width: 900px) {
  .path-grid, .loan-grid, .testimonials, .strip-metrics, .steps, .media-buckets--logos { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .path-grid, .loan-grid, .testimonials, .strip-metrics, .steps, .media-buckets--logos { grid-template-columns: 1fr; }
  .cta-banner { text-align: center; justify-content: center; }
}

@media print {
  .site-nav, .site-footer .footer-social, .site-hero__actions, .cta-banner, .section--navy { display: none !important; }
}

/* Featured team member (Jackie): larger photo per client request */
.team-member--featured { grid-template-columns: 420px minmax(0,1fr); border-color: rgba(200,169,106,.45); }
.team-member--featured img { aspect-ratio: 1/1.1; }
@media (max-width: 900px) { .team-member--featured { grid-template-columns: 320px minmax(0,1fr); } }
@media (max-width: 760px) { .team-member--featured { grid-template-columns: 1fr; } .team-member--featured img { max-width: 420px; } }

/* ==========================================================================
   MIC Investing brand extensions (light professional)
   ========================================================================== */
.content-measure { max-width: none; }

.site-page-hero__brand {
  margin: 0 0 14px;
  font-family: var(--font-display);
  font-size: clamp(2.4rem, 5vw, 3.6rem);
  font-weight: 700;
  line-height: 1.05;
  letter-spacing: -.02em;
  color: var(--site-navy);
}

.site-page-hero--home {
  min-height: min(74vh, 720px);
  display: flex;
  align-items: center;
  border-bottom: 0;
  background:
    linear-gradient(105deg,
      rgba(247, 244, 239, .94) 0%,
      rgba(247, 244, 239, .82) 34%,
      rgba(247, 244, 239, .35) 58%,
      rgba(247, 244, 239, .08) 100%),
    url("/assets/img/hero-1024.webp") right center / cover no-repeat;
}
.site-page-hero--home .container { width: min(1180px, calc(100% - 40px)); }
.site-page-hero--home h1 { max-width: 14em; color: var(--site-navy); }
.site-page-hero--home .site-page-hero__brand,
.site-page-hero--home .site-page-hero__lead,
.site-page-hero--home .site-page-hero__note { color: var(--site-navy); }
.site-page-hero--home .site-page-hero__lead { color: var(--site-ink-soft); max-width: 36rem; }
.site-page-hero--home .site-btn--secondary {
  background: #fff;
  border: 1px solid rgba(30, 42, 58, .16);
}
.site-page-hero__note {
  margin-top: 18px; max-width: 40rem; font-size: .92rem;
  line-height: 1.55; color: var(--site-ink-faint);
}

.site-page-hero .site-breadcrumbs { margin-bottom: 8px; }

/* Override earlier footer dark-black Halloween look */
.site-footer {
  background: var(--site-navy);
  color: rgba(247, 244, 239, .88);
  padding: 48px 0 28px;
}
.site-footer a { color: #E6D3B5; }
.site-footer a:hover { color: #fff; }
.site-footer h2 {
  color: #fff; font-size: .9rem; letter-spacing: .06em; text-transform: uppercase;
  margin: 0 0 14px; font-family: var(--font-display);
}
.site-footer__main {
  display: grid;
  grid-template-columns: 1.35fr repeat(3, minmax(0, 1fr));
  gap: 28px;
  margin-bottom: 28px;
  align-items: start;
}
.site-footer__brand img,
.site-footer__logo {
  width: auto; height: 64px; max-width: 280px;
  margin-bottom: 14px; display: block;
}
.site-footer__brand p { max-width: 36ch; line-height: 1.55; margin: 0; color: rgba(247,244,239,.78); }
.site-footer__main ul { margin: 0; padding: 0; list-style: none; }
.site-footer__main li + li { margin-top: 8px; }
.site-footer__legal {
  border-top: 1px solid rgba(255,255,255,.14);
  padding-top: 18px; font-size: .88rem; color: rgba(247,244,239,.78);
}
@media (max-width: 900px) { .site-footer__main { grid-template-columns: 1fr 1fr; } }
@media (max-width: 640px) { .site-footer__main { grid-template-columns: 1fr; } }

.site-card {
  padding: 22px 20px; border-radius: var(--site-radius-lg); background: #fff;
  border: 1px solid rgba(30,42,58,.09); box-shadow: var(--site-shadow);
}
.site-card h2 { margin: 0 0 8px; font-family: var(--font-display); font-size: 1.2rem; color: var(--site-navy); }
.site-card p { margin: 0 0 12px; font-size: .92rem; color: var(--site-ink-soft); }
.site-card ul { margin: 0; padding-left: 1.1em; }
.site-card .site-btn { width: 100%; margin-top: 8px; }
.site-card .site-btn--text { width: auto; margin-top: 10px; }

.path-card__cta { margin-top: auto; font-weight: 700; color: var(--site-gold-dark); font-size: .9rem; }
.path-grid--partners { margin-top: 20px; margin-bottom: 8px; }

.table-wrap { overflow-x: auto; margin: 1.4em 0; border-radius: var(--site-radius); border: 1px solid rgba(30,42,58,.1); }
.table-wrap table { width: 100%; border-collapse: collapse; font-size: .92rem; background: #fff; }
.table-wrap th, .table-wrap td { padding: 12px 14px; text-align: left; border-bottom: 1px solid rgba(30,42,58,.08); vertical-align: top; }
.table-wrap thead th { background: var(--site-navy); color: #fff; }
.table-wrap tbody tr:nth-child(even) { background: rgba(247,244,239,.7); }

.cta-band {
  padding: clamp(40px, 6vw, 68px) 0; text-align: center;
  background: var(--site-navy);
  color: rgba(247, 244, 239, .92);
}
.cta-band h2 {
  margin: 0 0 10px; font-family: var(--font-display);
  font-size: clamp(1.55rem, 3vw, 2.1rem); color: #fff;
}
.cta-band p { margin: 0 auto 18px; max-width: 58ch; color: rgba(247,244,239,.82); }
.cta-band__actions { display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.cta-band__note {
  margin: 18px auto 0; font-size: .84rem; line-height: 1.55;
  max-width: 68ch; color: rgba(247,244,239,.72);
}
.cta-band .site-btn--primary { background: #fff; color: var(--site-navy); }
.cta-band .site-btn--secondary {
  background: transparent; color: #fff; border: 1px solid rgba(255,255,255,.45);
}

.site-content details,
.content-measure details {
  border: 1px solid rgba(30,42,58,.1); border-radius: var(--site-radius);
  background: #fff; margin-bottom: 10px; overflow: hidden;
}
.site-content summary,
.content-measure summary {
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  padding: 16px 18px; cursor: pointer; list-style: none;
  font-weight: 700; color: var(--site-navy); font-size: 1rem;
}
.site-content summary::-webkit-details-marker,
.content-measure summary::-webkit-details-marker { display: none; }
.site-faq__a { padding: 14px 18px 18px; font-size: .96rem; line-height: 1.65; color: #333; }

.learn-tracks { display: grid; gap: 22px; margin: 1.4em 0 1.8em; }
.learn-track h3 {
  margin: 0 0 10px; font-family: var(--font-display); font-size: 1.15rem; color: var(--site-navy);
}
.learn-track .path-grid { grid-template-columns: repeat(3, minmax(0,1fr)); margin: 0; }

/* Full-bleed PREV/NEXT under education heroes (same width language as .site-page-hero) */
.learn-nav {
  background: var(--site-cream);
  border-bottom: 1px solid rgba(30, 42, 58, .08);
  padding: 0;
}
.learn-nav .container { max-width: 1180px; }
.learn-nav__grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
}
.learn-nav__card {
  display: flex;
  flex-direction: column;
  gap: 4px;
  padding: clamp(18px, 2.4vw, 26px) clamp(18px, 2.8vw, 28px);
  text-decoration: none;
  color: inherit;
  border-right: 1px solid rgba(30, 42, 58, .08);
  transition: background .15s ease;
  min-height: 96px;
  justify-content: center;
}
.learn-nav__card:last-child { border-right: 0; }
.learn-nav__card--next { text-align: right; align-items: flex-end; }
.learn-nav__card--empty { pointer-events: none; }
.learn-nav__card:not(.learn-nav__card--empty):hover {
  background: rgba(255, 255, 255, .72);
}
.learn-nav__dir {
  font-size: .72rem;
  font-weight: 700;
  letter-spacing: .12em;
  text-transform: uppercase;
  color: var(--site-gold-dark);
}
.learn-nav__title {
  font-family: var(--font-display);
  font-size: clamp(1.05rem, 1.6vw, 1.25rem);
  line-height: 1.25;
  color: var(--site-navy);
}
.learn-nav__blurb {
  font-size: .88rem;
  color: var(--site-ink-soft);
  line-height: 1.4;
}

@media (max-width: 900px) {
  .learn-track .path-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .learn-track .path-grid { grid-template-columns: 1fr; }
  .learn-nav__grid { grid-template-columns: 1fr; }
  .learn-nav__card { border-right: 0; border-bottom: 1px solid rgba(30, 42, 58, .08); }
  .learn-nav__card:last-child { border-bottom: 0; }
  .learn-nav__card--next { text-align: left; align-items: flex-start; }
  .learn-nav__card--empty { display: none; }
  .site-nav__brand img { height: 52px; max-width: 240px; }
  .site-page-hero--home {
    min-height: auto;
    background:
      linear-gradient(180deg, rgba(247,244,239,.96) 0%, rgba(247,244,239,.88) 55%, rgba(247,244,239,.7) 100%),
      url("/assets/img/hero-1024.webp") center / cover no-repeat;
  }
}

.partner-logos { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 16px; margin: 1.5em 0; }
.partner-logos a {
  display: grid; gap: 10px; place-items: center; text-align: center;
  padding: 22px 16px; border-radius: var(--site-radius-lg); background: #fff;
  border: 1px solid rgba(30,42,58,.1); text-decoration: none; color: inherit;
}
.partner-logos img { max-height: 56px; width: auto; object-fit: contain; }
.team-photos { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 18px; margin: 1.4em 0; }
.team-photos figure { margin: 0; }
.team-photos img { width: 100%; aspect-ratio: 1; object-fit: cover; border-radius: var(--site-radius-lg); }
@media (max-width: 640px) {
  .partner-logos, .team-photos { grid-template-columns: 1fr; }
}