/* Tom Jarboe reverse mortgage resource hub. Large, calm type for readers 62+ and their families. */
/* Colors: light only, white and gray with one calm blue (Michael, 2026-11-02: "easy to understand, easy to read"). */
:root {
  --bg: #ffffff; --surface: #ffffff; --alt: #f4f6f8; --ink: #22282e; --muted: #555d65; --line: #dfe3e8;
  --heading: #1e3348; --brand: #2b5f8e; --brand-ink: #ffffff; --brand-soft: #edf2f7; --accent: #2b5f8e; --sky: #2b5f8e;
  --band: #1e3348; --band-ink: #ffffff;
  --note-bg: #fff2a8; --note-ink: #3d3200; --shadow: 0 1px 3px rgba(30,51,72,.08), 0 4px 16px rgba(30,51,72,.06);
  --display: "Avenir Next", Montserrat, "Segoe UI", -apple-system, BlinkMacSystemFont, Roboto, Helvetica, Arial, sans-serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color-scheme: light;
}

* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 1.1875rem/1.65 var(--sans); }
img { max-width: 100%; height: auto; }
a { color: var(--brand); text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--accent); outline-offset: 3px; border-radius: 4px; }
h1, h2, h3 { font-family: var(--display); line-height: 1.15; font-weight: 700; letter-spacing: -.015em; color: var(--heading); }
h1 { font-size: clamp(2rem, 5vw, 3rem); margin: 0 0 .5em; }
h2 { font-size: clamp(1.5rem, 3.4vw, 2rem); margin: 2em 0 .5em; }
h3 { font-size: 1.25rem; margin: 1.6em 0 .4em; }
p, ul, ol { margin: 0 0 1em; }
li { margin-bottom: .4em; }
.wrap { width: min(1120px, 100% - 32px); margin-inline: auto; }
.narrow { width: min(760px, 100% - 32px); margin-inline: auto; }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 16px; background: var(--surface); padding: 8px 12px; z-index: 10; }

/* Header */
.site-header { background: var(--surface); border-bottom: 1px solid var(--line); }
.header-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 14px 0; flex-wrap: wrap; }
.brand { text-decoration: none; color: var(--ink); display: flex; align-items: center; gap: 14px; line-height: 1.2; }
.brand-text { display: flex; flex-direction: column; }
.naf-logo { display: block; height: 40px; width: auto; }
.brand-divider { width: 1px; align-self: stretch; background: var(--line); }
.naf-logo-footer { display: block; height: 44px; width: auto; }
.cover-logo { display: block; height: 30px; width: auto; margin-bottom: 12px; mix-blend-mode: multiply; }
@media (max-width: 520px) { .naf-logo { height: 30px; } .brand { gap: 10px; } .brand-name { font-size: 1.15rem; } .brand-sub { font-size: .75rem; } }
.brand-name { font-family: var(--display); font-size: 1.4rem; font-weight: 700; color: var(--heading); }
.brand-sub { font-size: .85rem; color: var(--muted); }
.nav { display: flex; gap: 6px 18px; flex-wrap: wrap; align-items: center; }
.nav a { color: var(--ink); text-decoration: none; font-size: 1rem; padding: 6px 2px; border-bottom: 2px solid transparent; }
.nav a:hover, .nav a[aria-current="page"] { border-bottom-color: var(--brand); }
.btn { display: inline-block; background: var(--brand); color: var(--brand-ink); text-decoration: none; padding: 13px 24px; border-radius: 999px; font-weight: 600; font-size: 1rem; border: 2px solid var(--brand); }
.btn:hover { filter: brightness(1.08); }
.btn-ghost { background: transparent; color: var(--brand); }
.nav .btn { color: var(--brand-ink); border-bottom: 2px solid var(--brand); padding: 8px 16px; }

/* Preview notes */
.note { background: var(--note-bg); color: var(--note-ink); padding: 1px 6px; border-radius: 4px; font-size: .85em; font-family: var(--sans); }
body.hide-notes .note { display: none; }
.preview-bar { background: var(--note-bg); color: var(--note-ink); font-size: .9rem; }
.preview-bar .wrap { display: flex; gap: 12px; align-items: center; justify-content: space-between; padding: 8px 0; flex-wrap: wrap; }
.preview-bar button { font: inherit; background: var(--surface); color: var(--ink); border: 1px solid var(--line); border-radius: 8px; padding: 4px 12px; cursor: pointer; }
a.planned { color: var(--muted); text-decoration-style: dotted; }

/* Hero */
.hero { padding: clamp(40px, 7vw, 88px) 0 clamp(32px, 5vw, 56px); }
.eyebrow { text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; color: var(--accent); font-weight: 700; margin-bottom: .6em; }
.lede { font-size: 1.2rem; color: var(--muted); max-width: 40em; }
.hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 24px; }

/* Start here */
.paths { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.path { display: block; background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 20px; text-decoration: none; color: var(--ink); box-shadow: var(--shadow); }
.path:hover { border-color: var(--brand); }
.path strong { display: block; font-family: var(--display); color: var(--heading); font-size: 1.2rem; margin-bottom: 6px; }
.path span { color: var(--muted); font-size: .95rem; }
.path.featured { background: var(--brand-soft); border-color: #cfdbe7; }

section.band { padding: 48px 0; }
section.band.alt { background: var(--alt); }
.two-col { display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: start; }
@media (max-width: 820px) { .two-col { grid-template-columns: 1fr; gap: 24px; } }

.callout { background: var(--brand-soft); border-left: 4px solid var(--brand); border-radius: 10px; padding: 20px 22px; margin: 24px 0; }
.callout h2, .callout h3 { margin-top: 0; }
.callout p:last-child { margin-bottom: 0; }
.checklist { list-style: none; padding: 0; }
.checklist li { padding-left: 30px; position: relative; }
.checklist li::before { content: "✓"; position: absolute; left: 4px; color: var(--brand); font-weight: 700; }

/* Guide cards */
.group { margin-bottom: 40px; }
.group h2 { margin-top: 0; }
.group-intro { color: var(--muted); margin-top: -.2em; }
.cards { display: grid; grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); gap: 14px; list-style: none; padding: 0; }
.cards li { margin: 0; }
.card { display: block; height: 100%; background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 16px 18px; text-decoration: none; color: var(--ink); }
a.card:hover { border-color: var(--brand); }
.card .tag { display: block; font-size: .72rem; text-transform: uppercase; letter-spacing: .06em; color: var(--muted); margin-bottom: 6px; font-weight: 600; }
.card-title { display: block; line-height: 1.35; }
.card.coming .card-title { color: var(--muted); font-weight: 500; }
.card.coming { opacity: .75; border-style: dashed; }
.card-title { font-weight: 600; }

/* Article */
.article { padding: 40px 0 24px; }
.crumbs { font-size: .9rem; color: var(--muted); margin-bottom: 12px; }
.crumbs a { color: var(--muted); }
.meta { color: var(--muted); font-size: .95rem; margin-bottom: 1.6em; display: flex; gap: 6px 16px; flex-wrap: wrap; }
.article .answer { background: var(--brand-soft); border-left: 4px solid var(--brand); border-radius: 10px; padding: 16px 20px; margin: 0 0 24px; font-size: 1.15rem; }
.answer p { margin: 0; }
.answer .answer-label { font-size: .8rem; text-transform: uppercase; letter-spacing: .08em; font-weight: 700; color: var(--brand); margin-bottom: 4px; }
.toc { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 14px 20px; margin: 24px 0; font-size: .95rem; }
.toc p { margin: 0 0 .4em; font-weight: 600; }
.toc ol { margin: 0; padding-left: 1.2em; }
.table-wrap { overflow-x: auto; margin: 0 0 1.2em; border: 1px solid var(--line); border-radius: 10px; background: var(--surface); }
table { border-collapse: collapse; width: 100%; font-size: .95rem; }
th, td { text-align: left; vertical-align: top; padding: 10px 14px; border-bottom: 1px solid var(--line); }
thead th { background: var(--brand-soft); }
tbody tr:last-child th, tbody tr:last-child td { border-bottom: 0; }
tbody th { font-weight: 600; }
.sources { font-size: .9rem; color: var(--muted); word-break: break-word; }
.author-box { display: flex; gap: 16px; align-items: flex-start; background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 20px; margin: 32px 0; }
.avatar { flex: none; width: 64px; height: 64px; border-radius: 50%; background: var(--brand); color: var(--brand-ink); display: grid; place-items: center; font-family: var(--display); font-size: 1.4rem; font-weight: 700; }
.author-box p { margin: 0 0 .4em; }

/* Contact band and footer */
.contact-band { background: var(--band); color: var(--band-ink); padding: 40px 0; }
.contact-band a { color: var(--band-ink); }
.contact-band h2 { color: var(--band-ink); }
.contact-band h2 { margin-top: 0; }
.contact-band .btn { background: var(--band-ink); color: var(--band); border-color: var(--band-ink); }
.contact-band .note { color: var(--note-ink); }
.site-footer { padding: 40px 0 56px; font-size: .9rem; color: var(--muted); }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 24px; margin-bottom: 24px; }
.footer-grid ul { list-style: none; padding: 0; }
.footer-head { font-weight: 700; color: var(--ink); }
.disclosures { border-top: 1px solid var(--line); padding-top: 20px; }
.disclosures p { margin-bottom: .8em; }
.naf-links { display: flex; flex-wrap: wrap; gap: 4px 14px; }

/* Tom's photo */
.hero-grid { display: grid; grid-template-columns: 1.5fr 1fr; gap: 48px; align-items: center; }
.hero-photo { margin: 0; justify-self: end; max-width: 400px; }
.hero-photo figcaption { font-size: .85rem; color: var(--muted); margin-top: 8px; text-align: center; }
@media (max-width: 820px) {
  .hero-grid { grid-template-columns: 1fr; gap: 28px; }
  .hero-photo { justify-self: center; max-width: 300px; }
}
.about-photo { float: right; width: min(300px, 42%); margin: 0 0 16px 24px; }
@media (max-width: 600px) { .about-photo { float: none; width: min(260px, 80%); margin: 0 auto 20px; } }
.avatar-img { flex: none; border-radius: 50%; width: 64px; height: 64px; object-fit: cover; }
.talk-card { display: flex; gap: 16px; align-items: center; }
.talk-card .avatar-img { width: 96px; height: 96px; }
.talk-card p { margin: 0; }

/* Cutout photo over a gradient panel (Michael, 2026-11-02) */
.photo-stage { position: relative; }
.photo-stage::before { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 74%; border-radius: 28px;
  background: linear-gradient(180deg, #edf2f7 0%, #d3e0ec 100%); }
.photo-stage picture, .photo-stage img { position: relative; display: block; width: 100%; height: auto; }
.photo-stage img { border-radius: 0 0 28px 28px; }

/* Guide boxes: key points, do and don't, example, next step, free guide offer */
.box { border: 1px solid var(--line); border-radius: 14px; padding: 18px 22px; margin: 28px 0; background: var(--surface); }
.box h2 { margin-top: 0; font-size: 1.35rem; }
.box ul:last-child, .box p:last-child { margin-bottom: 0; }
.keypoints { background: var(--alt); }
.dd-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 640px) { .dd-grid { grid-template-columns: 1fr; } }
.dd-col { border-radius: 10px; padding: 12px 16px; }
.dd-col ul { list-style: none; padding: 0; margin: 0; }
.dd-col li { padding-left: 28px; position: relative; }
.dd-head { font-weight: 700; margin: 0 0 8px; font-size: 1rem; }
.dd-do { background: #eef6f0; } .dd-do .dd-head { color: #1f6b3a; }
.dd-do li::before { content: "✓"; position: absolute; left: 4px; color: #1f6b3a; font-weight: 700; }
.dd-dont { background: #f8efee; } .dd-dont .dd-head { color: #9b2c22; }
.dd-dont li::before { content: "✕"; position: absolute; left: 4px; color: #9b2c22; font-weight: 700; }
.example { background: #fbfaf6; border-style: dashed; }
.example-label { font-size: .85rem; color: var(--muted); font-style: italic; margin-bottom: 4px; }
.nextstep { background: var(--brand-soft); border-color: #cfdbe7; }
.guide-offer { display: flex; gap: 20px; align-items: center; justify-content: space-between; flex-wrap: wrap; background: var(--alt); border-radius: 14px; padding: 20px 24px; margin: 36px 0 8px; }
.guide-offer h2 { margin: 0 0 6px; font-size: 1.3rem; }
.guide-offer p { margin: 0 0 4px; max-width: 34em; }
.guide-offer .eyebrow { margin: 0 0 4px; }

/* Free guide page */
.guide-grid { display: grid; grid-template-columns: 1.1fr 1fr; gap: 48px; align-items: start; }
@media (max-width: 860px) { .guide-grid { grid-template-columns: 1fr; gap: 28px; } }
.guide-cover { background: linear-gradient(180deg, #edf2f7, #d3e0ec); border-radius: 14px; padding: 24px; max-width: 360px; margin: 20px 0 8px; box-shadow: var(--shadow); }
.cover-kicker { font-size: .8rem; text-transform: uppercase; letter-spacing: .08em; color: var(--brand); font-weight: 700; margin: 0 0 8px; }
.cover-title { font-family: var(--display); font-weight: 700; font-size: 1.4rem; line-height: 1.2; color: var(--heading); margin: 0 0 16px; }
.cover-by { font-size: .9rem; color: var(--muted); margin: 0; }
.inside-head { font-size: 1.2rem; margin: 1.4em 0 .4em; }
.form-card { background: var(--surface); border: 1px solid var(--line); border-radius: 18px; padding: 24px; box-shadow: var(--shadow); position: sticky; top: 16px; }
.progress { height: 8px; background: var(--alt); border-radius: 99px; overflow: hidden; }
.progress-bar { display: block; height: 100%; width: 33%; background: var(--brand); border-radius: 99px; transition: width .3s ease; }
.guide-form:not(.js) .progress, .guide-form:not(.js) .step-count, .guide-form:not(.js) .next, .guide-form:not(.js) .back { display: none; }
.step-count { font-size: .9rem; color: var(--muted); margin: 8px 0 12px; }
.step { border: 0; padding: 0; margin: 0 0 16px; }
.step legend { font-family: var(--display); font-weight: 700; font-size: 1.4rem; color: var(--heading); margin-bottom: 14px; padding: 0; }
.tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 16px; }
.tiles-2 { grid-template-columns: 1fr 1fr; }
@media (max-width: 480px) { .tiles { grid-template-columns: 1fr; } }
.tile { position: relative; display: block; cursor: pointer; }
.tile input { position: absolute; opacity: 0; inset: 0; }
.tile span { display: flex; align-items: center; min-height: 64px; padding: 12px 14px; border: 2px solid var(--line); border-radius: 12px; font-weight: 600; font-size: 1rem; }
.tile input:checked + span { border-color: var(--brand); background: var(--brand-soft); }
.tile input:focus-visible + span { outline: 3px solid var(--brand); outline-offset: 2px; }
.field { display: block; font-weight: 600; margin-bottom: 14px; }
.field input, .field select { display: block; width: 100%; margin-top: 6px; font: inherit; padding: 12px 14px; border: 2px solid var(--line); border-radius: 10px; background: #fff; color: var(--ink); }
.field input:focus, .field select:focus { border-color: var(--brand); outline: 3px solid var(--brand); outline-offset: 2px; }
.opt { font-weight: 400; color: var(--muted); }
.hint, .consent { font-size: .9rem; color: var(--muted); }
.check { display: flex; gap: 10px; align-items: flex-start; font-size: .95rem; margin-bottom: 12px; }
.check input { width: 22px; height: 22px; margin-top: 3px; flex: none; }
.step-actions { display: flex; gap: 10px; justify-content: space-between; }
.form-error { color: #9b2c22; font-weight: 600; }
.guide-done h2 { margin-top: 0; }
.guide-done:focus { outline: none; }

/* Resource Hub and resource cards */
.sr-only { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.hub-hero { text-align: center; padding: clamp(40px, 7vw, 80px) 0 28px; background: linear-gradient(180deg, var(--alt), var(--bg)); }
.hub-hero h1 { font-size: clamp(2.4rem, 6vw, 3.8rem); margin-bottom: .3em; }
.hub-hero .lede { margin: 0 auto 28px; max-width: 42em; }
.pills { display: inline-flex; flex-wrap: wrap; justify-content: center; gap: 6px; padding: 6px; border: 1px solid var(--line); border-radius: 14px; background: var(--surface); margin-bottom: 18px; }
.pill { font: inherit; font-size: 1rem; font-weight: 600; border: 0; background: none; color: var(--ink); padding: 10px 16px; border-radius: 10px; cursor: pointer; }
.pill span { color: var(--muted); font-weight: 500; margin-left: 4px; }
.pill:hover { background: var(--alt); }
.pill.active { background: var(--heading); color: #fff; }
.pill.active span { color: #c9d6e2; }
.hub-search { display: flex; align-items: center; gap: 10px; max-width: 640px; margin: 0 auto; border: 1px solid var(--line); border-radius: 12px; background: var(--surface); padding: 0 16px; }
.hub-search svg { fill: none; stroke: var(--muted); stroke-width: 2; stroke-linecap: round; flex: none; }
.hub-search input { flex: 1; font: inherit; border: 0; padding: 14px 0; background: transparent; color: var(--ink); min-width: 0; }
.hub-search input:focus { outline: none; }
.hub-search:focus-within { border-color: var(--brand); box-shadow: 0 0 0 3px var(--brand-soft); }
.hub-list { padding-top: 24px; padding-bottom: 48px; }
.hub-count { color: var(--muted); margin-bottom: 12px; }
.hub-empty { text-align: center; color: var(--muted); padding: 24px 0; }
.rgrid { display: grid; grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); gap: 24px; list-style: none; padding: 0; margin: 0 0 32px; }
.rgrid-2 { grid-template-columns: repeat(auto-fill, minmax(240px, 1fr)); gap: 16px; }
.rcard-li { margin: 0; }
.rcard { display: flex; flex-direction: column; height: 100%; background: var(--surface); border: 1px solid var(--line); border-radius: 18px; padding: 10px; text-decoration: none; color: var(--ink); transition: box-shadow .15s ease, border-color .15s ease; }
a.rcard:hover { border-color: #b9c9d8; box-shadow: var(--shadow); }
a.rcard:hover .rtitle { color: var(--brand); }
.rtop { position: relative; overflow: hidden; border-radius: 12px; min-height: 150px; padding: 18px 20px; display: flex; flex-direction: column; justify-content: flex-end; }
.rtop::after { content: ""; position: absolute; right: -40px; top: -60px; width: 180px; height: 180px; border-radius: 50%; border: 1px solid rgba(30,51,72,.10); }
.tint-lesa { background: #e6eef7; } .tint-families { background: #eef1f4; } .tint-honest { background: #f0f2f5; }
.tint-how { background: #e9f0f4; } .tint-local { background: #edf1f3; }
.ricon { fill: none; stroke: var(--brand); stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; margin-bottom: 8px; }
.rtopic { font-family: var(--display); font-weight: 700; font-size: 1.35rem; color: var(--heading); line-height: 1.2; }
.rbadge { position: absolute; top: 14px; right: 14px; font-size: .78rem; font-weight: 700; padding: 5px 12px; border-radius: 999px; background: var(--heading); color: #fff; }
.rbadge.soon { background: #fff; color: var(--muted); font-weight: 600; }
.rbody { padding: 16px 10px 8px; display: flex; flex-direction: column; flex: 1; }
.rtitle { font-weight: 700; font-size: 1.08rem; line-height: 1.35; margin: 0 0 12px; color: var(--ink); }
.rauthor { display: flex; align-items: center; gap: 8px; color: var(--muted); font-size: .95rem; margin: auto 0 10px; }
.rauthor img { width: 28px; height: 28px; border-radius: 50%; object-fit: cover; }
.rmeta { display: flex; align-items: center; justify-content: space-between; gap: 8px; color: var(--muted); font-size: .88rem; margin: 0; }
.rtag { font-size: .8rem; font-weight: 600; padding: 4px 10px; border-radius: 8px; background: var(--brand-soft); color: var(--brand); white-space: nowrap; }
.rcard.coming { border-style: dashed; }
.rcard.coming .rtitle { color: var(--muted); font-weight: 600; }
.rcard.coming .ricon { stroke: #8a96a3; }
@media (max-width: 640px) { .pills { display: flex; } .pill { padding: 8px 12px; font-size: .95rem; } .rtop { min-height: 120px; } }

/* Cards: full-bleed illustration on top (Tom's own look, Michael 2026-11-02) */
.rcard { padding: 0; overflow: hidden; border-radius: 16px; }
.rimg { position: relative; aspect-ratio: 16 / 9; background: var(--alt); }
.rimg img { display: block; width: 100%; height: 100%; object-fit: cover; }
.rsoon { position: absolute; top: 12px; left: 12px; font-size: .78rem; font-weight: 700; padding: 5px 12px; border-radius: 999px; background: rgba(255,255,255,.92); color: var(--muted); }
.rbody { padding: 16px 18px 16px; }
.rlabel { font-size: .78rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--brand); margin: 0 0 6px; }
.rcard.coming .rimg img { opacity: .55; filter: grayscale(.4); }
a.rcard:hover .rimg img { transform: scale(1.03); }
.rimg img { transition: transform .3s ease; }
@media (prefers-reduced-motion: reduce) { .rimg img { transition: none; } a.rcard:hover .rimg img { transform: none; } }

/* Cards: text first, no drawings (Michael 2026-11-02: older readers, less graphic) */
.rcard { padding: 0; border-radius: 14px; border: 2px solid var(--line); }
a.rcard:hover { border-color: var(--brand); box-shadow: none; }
.rbody { padding: 20px 22px; gap: 0; }
.rlabel { font-size: .85rem; letter-spacing: .04em; margin-bottom: 8px; }
.rtitle { font-size: 1.25rem; line-height: 1.35; margin-bottom: 10px; color: var(--heading); }
.rdesc { font-size: 1rem; color: var(--ink); line-height: 1.55; margin: 0 0 14px; }
.ract { font-weight: 700; color: var(--brand); margin: auto 0 14px; font-size: 1.05rem; }
.ract.soon { color: var(--muted); font-weight: 600; }
a.rcard:hover .ract { text-decoration: underline; }
.rmeta { border-top: 1px solid var(--line); padding-top: 12px; font-size: .92rem; }
.rauthor-inline { display: inline-flex; align-items: center; gap: 8px; }
.rauthor-inline img { width: 28px; height: 28px; border-radius: 50%; object-fit: cover; }
.rcard.coming { background: var(--alt); }
.rcard.coming .rtitle { color: var(--muted); }

.print-link { margin: -8px 0 20px; font-size: .95rem; }
.print-link a { font-weight: 600; }

.paths-3 { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 820px) { .paths-3 { grid-template-columns: 1fr; } }

/* Homepage hero: Tom in a house-shaped frame with a stats bar (Michael 2026-11-03, after FOA's HomeSafe page) */
.hero-house { background: linear-gradient(135deg, #2b5f8e 0%, #1e3348 100%); color: #fff; padding: clamp(40px, 6vw, 72px) 0 0; margin-bottom: 72px; }
.hh-grid { display: grid; grid-template-columns: 1.15fr 1fr; gap: 40px; align-items: end; }
.hh-text { padding-bottom: 96px; }
.hh-text h1 { color: #fff; font-size: clamp(2.2rem, 5vw, 3.4rem); }
.hh-text p { font-size: 1.2rem; color: #e3ebf3; max-width: 32em; }
.btn-light { background: #fff; color: #1e3348; border-color: #fff; }
.btn-outline-light { background: transparent; color: #fff; border-color: #fff; }
.hh-photo { margin: 0; justify-self: center; width: min(420px, 100%); }
.house-frame { aspect-ratio: 4 / 4.6; clip-path: polygon(50% 0, 100% 24%, 100% 100%, 0 100%, 0 24%); background: #dfe8f1; overflow: hidden; }
.house-frame img { width: 100%; height: 100%; object-fit: cover; object-position: 50% 18%; display: block; }
.hh-photo figcaption { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.hh-stats { position: relative; margin: -60px 0 -60px; display: grid; grid-template-columns: repeat(4, 1fr); background: #162a3d; border-radius: 18px; padding: 24px 12px; box-shadow: 0 8px 30px rgba(10, 25, 40, .25); }
.hh-stats div { text-align: center; padding: 4px 12px; border-left: 1px solid rgba(255,255,255,.18); }
.hh-stats div:first-child { border-left: 0; }
.hh-stats dt { font-family: var(--display); font-weight: 700; font-size: clamp(1.5rem, 3vw, 2.2rem); color: #fff; }
.hh-stats dd { margin: 4px 0 0; color: #c9d6e2; font-size: .95rem; }
@media (max-width: 820px) {
  .hh-grid { grid-template-columns: 1fr; gap: 24px; }
  .hh-text { padding-bottom: 0; }
  .hh-photo { width: min(320px, 85%); }
  .hh-stats { grid-template-columns: 1fr 1fr; row-gap: 16px; margin: 20px 0 -60px; }
  .hh-stats div:nth-child(3) { border-left: 0; }
}

.house-frame { background: linear-gradient(180deg, #f4f8fb 0%, #d3e0ec 100%); display: flex; align-items: flex-end; justify-content: center; }
.house-frame picture { display: block; width: 88%; }
.house-frame img { width: 100%; height: auto; object-fit: contain; object-position: bottom; }
@media (max-width: 820px) {
  .hh-stats { margin: 24px 0 -40px; padding: 18px 8px; }
  .hh-stats dt { font-size: 1.5rem; }
  .hh-stats dd { font-size: .85rem; }
}

.house-frame picture { width: 76%; }

/* Hero on white with layered, faded blue house shapes (Michael 2026-11-03) */
.hero-house { background: #fff; color: var(--ink); }
.hh-text h1 { color: var(--heading); }
.hh-text p { color: var(--muted); }
.hh-photo { position: relative; }
.hh-photo::before { content: ""; position: absolute; left: -7%; right: -7%; top: -6%; bottom: 0; clip-path: polygon(50% 0, 100% 24%, 100% 100%, 0 100%, 0 24%); background: linear-gradient(180deg, #f3f7fb 0%, #e6eef6 100%); z-index: 0; }
.house-frame { position: relative; z-index: 1; background: linear-gradient(180deg, #e9f0f7 0%, #c9d9e9 100%); }
.hh-stats { background: #1e3348; }

.hh-stats { z-index: 2; margin-top: -36px; }
@media (max-width: 820px) { .hh-stats { margin-top: 24px; } }

/* Milestones bar: soft and light (Michael 2026-11-03: "too strong on the eyes") */
.hh-stats { background: #f3f7fb; border: 1px solid #dbe5ee; box-shadow: 0 2px 10px rgba(30, 51, 72, .06); }
.hh-stats div { border-left-color: #dbe5ee; }
.hh-stats dt { color: var(--heading); }
.hh-stats dd { color: var(--muted); }

/* Floating "Talk with Tom" widget */
.tw { position: fixed; right: 20px; bottom: 20px; z-index: 50; font-family: var(--sans); }
.tw-btn { display: flex; align-items: center; gap: 10px; border: 0; cursor: pointer; background: var(--brand); color: #fff; font: 700 1.05rem var(--sans); padding: 8px 20px 8px 8px; border-radius: 999px; box-shadow: 0 6px 20px rgba(30, 51, 72, .28); }
.tw-btn img { width: 36px; height: 36px; border-radius: 50%; object-fit: cover; border: 2px solid #fff; }
.tw-btn:hover { filter: brightness(1.08); }
.tw-panel { position: absolute; right: 0; bottom: 64px; width: min(360px, calc(100vw - 32px)); background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 22px; box-shadow: 0 12px 40px rgba(30, 51, 72, .22); }
.tw-close { position: absolute; top: 8px; right: 10px; border: 0; background: none; font-size: 1.8rem; line-height: 1; color: var(--muted); cursor: pointer; padding: 4px 8px; }
.tw-head { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; }
.tw-head img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; }
.tw-name { font: 700 1.15rem var(--display); color: var(--heading); margin: 0; }
.tw-role { margin: 0; color: var(--muted); font-size: .9rem; }
.tw-title { font: 700 1.15rem/1.3 var(--display); color: var(--heading); margin: 0 0 6px; }
.tw-panel p { font-size: 1rem; }
.tw-call { display: block; text-align: center; font-size: 1.1rem; margin: 6px 0 8px; }
.tw-email { display: block; text-align: center; font-weight: 600; margin-bottom: 8px; }
.tw-fine { font-size: .85rem !important; color: var(--muted); margin: 8px 0 0; }
@media (max-width: 520px) { .tw { right: 12px; bottom: 12px; } .tw-btn { font-size: 1rem; padding: 6px 16px 6px 6px; } }
@media print { .tw { display: none; } }

.af-title { font-size: 1.4rem; margin: 0 0 14px; }

[hidden] { display: none !important; }

/* Section header: heading left, intro right, cards below */
.sec-head { display: grid; grid-template-columns: 1fr 1.25fr; gap: 40px; align-items: start; margin-bottom: 28px; }
.sec-head h2 { margin-bottom: 0; }
.sec-head p:last-child { margin-bottom: 0; }
@media (max-width: 820px) { .sec-head { grid-template-columns: 1fr; gap: 8px; } }

/* ===== Readability pass (Michael, 2026-11-03): readers 40s and up. Bigger small text, shorter lines, more separation, icons. ===== */
.narrow { width: min(700px, 100% - 32px); }
.hh-text p, .sec-head p, .two-col p, .band .wrap > p, .band .wrap > .lede { max-width: 40em; }
.crumbs { font-size: 1rem; }
.meta { font-size: 1rem; }
.eyebrow { font-size: .9rem; }
.answer .answer-label, .rlabel { font-size: .9rem; }
.example-label { font-size: 1rem; }
.rmeta { font-size: .95rem; }
.path span { font-size: 1.05rem; line-height: 1.5; }
table { font-size: 1.02rem; }
.sources { font-size: 1rem; }
.article p, .article li { line-height: 1.7; }
.article h2 { display: flex; align-items: center; gap: 12px; }
.article h3 { font-size: 1.3rem; }

/* Contents list: bigger, two columns on wide screens */
.toc { font-size: 1.05rem; padding: 18px 22px; }
.toc ol { columns: 2; column-gap: 32px; }
.toc li { break-inside: avoid; }
@media (max-width: 640px) { .toc ol { columns: 1; } }

/* Icons */
.ico { fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; flex: none; }
.h-ico { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; border-radius: 50%; background: var(--brand-soft); color: var(--brand); flex: none; }
.sources .h-ico { width: 36px; height: 36px; }
.sources h2 { display: flex; align-items: center; gap: 10px; }
.path-ico { display: inline-flex; align-items: center; justify-content: center; width: 52px; height: 52px; border-radius: 14px; background: var(--brand-soft); color: var(--brand); margin-bottom: 12px; }

/* Numbered points become cards */
.points { display: grid; gap: 14px; margin: 8px 0 24px; }
.point { display: grid; grid-template-columns: 48px 1fr; gap: 16px; background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 18px 20px; box-shadow: var(--shadow); }
.pnum { width: 44px; height: 44px; border-radius: 50%; background: var(--brand); color: #fff; font: 700 1.2rem/44px var(--display); text-align: center; }
.point h3 { margin: 6px 0 8px; }
.pbody > :last-child { margin-bottom: 0; }

/* Questions as cards */
.qas { display: grid; gap: 14px; margin: 8px 0 24px; }
.qa { display: grid; grid-template-columns: 44px 1fr; gap: 14px; background: var(--alt); border-radius: 14px; padding: 18px 20px; }
.qa-ico { color: var(--brand); padding-top: 4px; }
.qa h3 { margin: 4px 0 8px; font-size: 1.2rem; }
.qa > div > :last-child { margin-bottom: 0; }

/* Other subtopics get a soft panel */
.subs { display: grid; gap: 14px; margin: 8px 0 24px; }
.sub { border-left: 4px solid var(--brand); background: var(--alt); border-radius: 0 12px 12px 0; padding: 14px 20px; }
.sub h3 { margin: 4px 0 8px; }
.sub > :last-child { margin-bottom: 0; }

/* Teaching diagrams */
.vis { margin: 28px 0; padding: 22px; border: 1px solid var(--line); border-radius: 16px; background: var(--surface); box-shadow: var(--shadow); }
.vis-title { font: 700 1.2rem/1.3 var(--display); color: var(--heading); margin-bottom: 16px; }
.vis-note { font-size: 1rem; color: var(--muted); margin: 14px 0 0; }
.vsteps { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; counter-reset: vs; }
.vsteps li { position: relative; display: flex; flex-direction: column; gap: 4px; background: var(--alt); border-radius: 12px; padding: 16px 14px; margin: 0; }
.vsteps li strong { font-family: var(--display); color: var(--heading); font-size: 1.08rem; }
.vsteps li span:last-child { font-size: 1rem; line-height: 1.45; }
.vs-ico, .vt-ico { color: var(--brand); display: inline-flex; width: 48px; height: 48px; align-items: center; justify-content: center; border-radius: 50%; background: #fff; border: 2px solid var(--brand); margin-bottom: 6px; }
@media (min-width: 720px) {
  .vsteps.n3 { grid-template-columns: repeat(3, 1fr); } .vsteps.n4 { grid-template-columns: repeat(4, 1fr); } .vsteps.n5 { grid-template-columns: repeat(5, 1fr); }
  .vsteps li:not(:last-child)::after { content: ""; position: absolute; right: -11px; top: 38px; width: 10px; height: 10px; border-top: 2px solid var(--brand); border-right: 2px solid var(--brand); transform: rotate(45deg); }
}
.vtiles { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; grid-template-columns: repeat(auto-fit, minmax(180px, 1fr)); }
.vtiles li { display: flex; flex-direction: column; gap: 4px; background: var(--alt); border-radius: 12px; padding: 16px 14px; margin: 0; }
.vtiles li strong { font-family: var(--display); color: var(--heading); font-size: 1.08rem; }
.vtiles li span:last-child { font-size: 1rem; line-height: 1.45; }
.vchart { width: 100%; height: auto; display: block; }
.vchart .axis { stroke: #9aa5b1; stroke-width: 2; fill: none; }
.vchart .area-bal { fill: #d6e3f0; }
.vchart .line-bal { stroke: var(--brand); stroke-width: 4; fill: none; }
.vchart .line-home { stroke: var(--heading); stroke-width: 3; stroke-dasharray: 10 8; fill: none; }
.vchart .lbl { font: 700 20px var(--sans); fill: var(--heading); }
.vchart .lbl-eq { fill: var(--muted); }
.vchart .lbl-bal { fill: var(--brand); }
.vchart .lbl-sm { font-size: 16px; font-weight: 600; fill: var(--muted); }

/* Next step box with Tom's photo */
.ns-grid { display: grid; grid-template-columns: 96px 1fr; gap: 20px; align-items: start; }
.ns-photo { width: 96px; height: 96px; border-radius: 50%; object-fit: cover; border: 3px solid #fff; box-shadow: var(--shadow); }
.nextstep h2 { margin-top: 0; }
.ns-actions { margin: 8px 0 0; }
@media (max-width: 520px) { .ns-grid { grid-template-columns: 1fr; } .ns-photo { width: 80px; height: 80px; } }

/* Talk with Tom on phones: tucks away while you scroll down, comes back when you scroll up */
.tw { transition: transform .25s ease; }
.tw.tw-tucked { transform: translateY(140%); }
@media (prefers-reduced-motion: reduce) { .tw { transition: none; } }

/* Videos page: each planned video as a card with a play icon */
.page-videos ul { list-style: none; padding: 0; display: grid; gap: 14px; }
.page-videos li { position: relative; background: var(--alt); border-radius: 14px; padding: 18px 20px 18px 76px; margin: 0; }
.page-videos li::before { content: ""; position: absolute; left: 20px; top: 18px; width: 40px; height: 40px; border-radius: 50%; background: var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 7v10l8-5z' fill='white'/%3E%3C/svg%3E") center/22px no-repeat; }

/* Agent page: guide cover */
.agent-cover { display: block; width: 150px; margin: 0 auto 14px; border-radius: 6px; box-shadow: var(--shadow); border: 1px solid var(--line); }
/* Steps read top to bottom: icon on the left, joined by a line (easier than side-by-side columns) */
.vsteps, .vsteps.n3, .vsteps.n4, .vsteps.n5 { grid-template-columns: 1fr !important; gap: 0; }
.vsteps li { display: grid; grid-template-columns: 56px 1fr; column-gap: 14px; background: none; padding: 0 0 18px; border-radius: 0; }
.vsteps li::after { display: none !important; }
.vsteps li:not(:last-child)::before { content: ""; position: absolute; left: 24px; top: 52px; bottom: 2px; width: 2px; background: #c9d6e3; }
.vsteps .vs-ico { grid-row: span 2; margin: 0; }
.vsteps li strong { align-self: end; padding-top: 4px; }
.vsteps li:last-child { padding-bottom: 0; }
@media (max-width: 640px) {
  .vtiles li { display: grid; grid-template-columns: 56px 1fr; column-gap: 12px; padding: 12px; }
  .vtiles .vt-ico { grid-row: span 2; margin: 0; }
  .vtiles li strong { align-self: end; }
  .vis { padding: 16px; }
}

/* Site credit (Michael, 2026-11-03) */
.crafted { margin-top: 18px; padding-top: 14px; border-top: 1px solid var(--line, #e3e8ee); font-size: .9rem; text-align: center; }
.crafted { color: #6a737b; font-size: .85rem; }
.crafted a { color: #6a737b; font-weight: 400; text-decoration: none; }
.crafted a:hover { color: #6a737b; text-decoration: underline; }

/* Form spam trap: hidden from people */
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.cf-turnstile { margin: 12px 0; }

/* Mid-guide Talk with Tom box (Michael, 2026-11-03) */
.mid-cta { display: flex; gap: 20px; align-items: flex-start; margin: 40px 0; padding: 24px; border-radius: 16px;
  background: linear-gradient(135deg, #edf2f7, #f7f9fb); border: 1px solid #d6e1ec; }
.mid-cta img { border-radius: 50%; flex: none; }
.mid-cta-head { font-family: var(--heading, inherit); font-size: 1.3rem; font-weight: 700; color: #1e3348; margin: 0 0 6px; }
.mid-cta p { margin: 0 0 12px; }
.mid-cta-actions { display: flex; flex-wrap: wrap; gap: 10px; margin: 0 !important; }
@media (max-width: 560px) { .mid-cta { flex-direction: column; padding: 20px; } .mid-cta img { width: 72px; height: 72px; } .mid-cta-actions .btn { width: 100%; text-align: center; } }

/* Sources: collapsed until clicked (Michael, 2026-11-03) */
.sources details { border: 1px solid #dbe3ec; border-radius: 12px; background: #f7f9fb; padding: 0 18px; }
.sources summary { cursor: pointer; list-style: none; display: flex; flex-wrap: wrap; align-items: center; gap: 6px 10px; padding: 16px 0; font-weight: 700; color: #1e3348; font-size: 1.1rem; }
.sources summary::-webkit-details-marker { display: none; }
.sources summary::after { content: "+"; margin-left: auto; font-size: 1.5rem; line-height: 1; color: #2b5f8e; }
.sources details[open] summary::after { content: "\2212"; }
.sources .src-count { font-weight: 600; font-size: .95rem; color: #2b5f8e; }
.sources details[open] .src-count { display: none; }
.sources details > :not(summary) { padding-bottom: 12px; }

/* Personal estimate page (Michael, 2026-11-03): one calm question at a time */
.est-wrap { background: var(--alt, #f4f6f8); padding: 40px 0 56px; }
.est-card { max-width: 680px; margin: 0 auto; background: #fff; border: 1px solid #dbe3ec; border-radius: 20px; padding: 32px; box-shadow: 0 8px 30px rgba(30,51,72,.08); }
.est-head { display: flex; gap: 18px; align-items: flex-start; margin-bottom: 20px; }
.est-head img { border-radius: 50%; flex: none; }
.est-head h1 { font-size: clamp(1.6rem, 4vw, 2.1rem); margin: 0 0 6px; }
.est-head p { margin: 0; color: var(--muted); }
.est-form .step legend { font-size: 1.6rem; }
.est-form .tiles span { min-height: 68px; font-size: 1.08rem; }
.est-form:not(.js) .progress, .est-form:not(.js) .step-count, .est-form:not(.js) .next, .est-form:not(.js) .back { display: none; }
.field-row { display: grid; grid-template-columns: 1fr 140px; gap: 12px; }
.est-form .hint { color: var(--muted); font-size: .98rem; }
.est-call { text-align: center; margin: 22px 0 0; font-size: 1.15rem; font-weight: 600; }
.est-done h2 { margin-top: 0; }
.est-guide { display: flex; gap: 18px; align-items: center; background: #edf2f7; border-radius: 14px; padding: 18px; margin: 18px 0; }
.est-guide h3 { margin: 0 0 6px; }
@media (max-width: 560px) { .est-card { padding: 22px 18px; border-radius: 16px; } .est-head img { width: 56px; height: 56px; } .field-row { grid-template-columns: 1fr; } .est-guide { flex-direction: column; align-items: flex-start; } }

/* Small in-guide nudges (Michael, 2026-11-03) */
.nudge { display: flex; flex-wrap: wrap; align-items: center; gap: 6px 10px; margin: 28px 0; padding: 12px 16px; border-left: 4px solid #2b5f8e; background: #f3f7fb; border-radius: 0 10px 10px 0; font-size: 1.02rem; }
.nudge-ico { display: inline-flex; color: #2b5f8e; }
.nudge a { font-weight: 700; }

/* Getting started steps (homepage) */
.gs-steps { list-style: none; padding: 0; margin: 20px 0 0; display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; counter-reset: gs; }
.gs-steps li { position: relative; background: #fff; border: 1px solid #dbe3ec; border-radius: 14px; padding: 18px 16px 16px; counter-increment: gs; }
.gs-steps li::before { content: "Step " counter(gs); position: absolute; top: 18px; right: 16px; font-size: .9rem; font-weight: 600; letter-spacing: .02em; color: #6a737b; }
.gs-steps strong { display: block; font-size: 1.12rem; margin: 8px 0 4px; color: #1e3348; }
.gs-steps span { display: block; }
@media (max-width: 900px) { .gs-steps { grid-template-columns: 1fr 1fr; } }
@media (max-width: 560px) { .gs-steps { grid-template-columns: 1fr; } }

/* Questions page */
.q-jump { display: flex; flex-wrap: wrap; gap: 8px 14px; font-weight: 600; }
.page-questions h2 { margin-top: 48px; }
.q-guide { margin: 28px 0 10px; font-size: 1.15rem; }
.qa-item { border: 1px solid #dbe3ec; border-radius: 12px; margin: 10px 0; background: #fff; }
.qa-item summary { cursor: pointer; padding: 14px 44px 14px 16px; font-weight: 700; color: #1e3348; position: relative; list-style: none; }
.qa-item summary::-webkit-details-marker { display: none; }
.qa-item summary::after { content: "+"; position: absolute; right: 16px; top: 10px; font-size: 1.5rem; color: #2b5f8e; }
.qa-item[open] summary::after { content: "\2212"; }
.qa-item > div { padding: 0 16px 8px; }
.qa-more a, .hub-faq a { font-weight: 700; }

/* Classes page */
.class-list { display: grid; gap: 14px; margin: 12px 0 18px; }
.class-item { display: flex; gap: 14px; align-items: flex-start; background: #fff; border: 1px solid #dbe3ec; border-radius: 14px; padding: 16px; }
.class-item strong { display: block; font-size: 1.1rem; color: #1e3348; margin-bottom: 4px; }
.class-item span:not(.path-ico) { display: block; }
.tiles-1 { grid-template-columns: 1fr; }
.small-legend { font-size: 1.15rem !important; margin-bottom: 10px !important; }
.class-form .tile span { min-height: 52px; }

/* Notes from Tom */
.note-by { display: flex; gap: 12px; align-items: center; margin: 4px 0 18px; }
.note-by p { margin: 0; } .note-by img { border-radius: 50%; }
.meta-date { color: var(--muted); }
.note-card .rlabel { color: #2b5f8e; }

/* Checklist boxes in notes and guides */
li.cbox { list-style: none; position: relative; padding-left: 2px; }
ul:has(> li.cbox) { padding-left: 4px; }
.box-mark { display: inline-block; width: 20px; height: 20px; border: 2px solid #2b5f8e; border-radius: 4px; margin-right: 10px; vertical-align: -4px; }

/* Related guides: one clean row */
.rel-row { list-style: none; padding: 0; margin: 12px 0 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.rel-card { display: flex; flex-direction: column; gap: 6px; height: 100%; padding: 16px 18px; border: 1px solid var(--line); border-radius: 14px; background: var(--surface); text-decoration: none; color: var(--ink); }
.rel-card:hover { border-color: #b9c9d8; box-shadow: var(--shadow); }
.rel-title { font-weight: 700; color: #1e3348; font-size: 1.05rem; line-height: 1.35; }
.rel-card .ract { margin-top: auto; color: #2b5f8e; font-weight: 700; }
@media (max-width: 700px) { .rel-row { grid-template-columns: 1fr; } }
/* Homepage: funnel into the Resource Hub */
.funnel-search { display: flex; gap: 10px; max-width: 640px; }
.funnel-search .hub-search { flex: 1; margin: 0; }
.topic-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 16px; }
.topic-row a { padding: 10px 16px; border: 1px solid var(--line); border-radius: 999px; background: var(--surface); font-weight: 600; text-decoration: none; }
.topic-row a:hover { border-color: #2b5f8e; }
@media (max-width: 560px) { .funnel-search { flex-direction: column; } }

.notes-all { margin-top: 18px; }

/* Icons sit centered in their tinted boxes everywhere */
.gs-steps .path-ico, .path .path-ico, .class-item .path-ico { display: inline-flex; align-items: center; justify-content: center; }
/* Phones only: card rows swipe sideways instead of stacking into a long scroll (desktop unchanged) */
.swipe-hint { display: none; }
@media (max-width: 640px) {
  .swipe-hint { display: block; margin: 0 0 8px; font-size: .95rem; font-weight: 600; color: #2b5f8e; }
  .gs-steps, .paths, .paths.paths-3 { display: flex; overflow-x: auto; scroll-snap-type: x mandatory; gap: 12px;
    margin-left: -16px; margin-right: -16px; padding: 4px 16px 12px; scroll-padding-left: 16px; -webkit-overflow-scrolling: touch; }
  .gs-steps > li, .paths > .path { flex: 0 0 84%; scroll-snap-align: start; }
}

/* Equal Housing Lender logo in the footer */
.ehl { display: flex; align-items: center; gap: 12px; margin-top: 14px; }
.ehl img { flex: none; }
.ehl span { font-weight: 600; }

.btn-row { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 20px; margin-top: 16px; }
.btn-row a:not(.btn) { padding: 10px 0; }
.table-wrap:focus-visible, .gs-steps:focus-visible, .paths:focus-visible { outline: 3px solid var(--accent); outline-offset: 4px; }

/* Larger text (Michael, 2026-11-03): one button makes every page's text about 20% bigger; layouts reflow */
html.text-lg { font-size: 118.75%; }
.text-size { display: inline-flex; align-items: center; gap: 6px; background: none; border: 1px solid var(--line); border-radius: 999px; padding: 6px 12px; font: 600 .95rem var(--sans); color: var(--ink); cursor: pointer; min-height: 44px; }
.text-size:hover { border-color: #2b5f8e; }
.text-size[aria-pressed="true"] { background: #edf2f7; border-color: #2b5f8e; }
.ts-a { font-weight: 700; font-size: .9rem; line-height: 1; } .ts-a span { font-size: 1.25rem; }
@media (max-width: 640px) { .text-size .ts-label { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); } .text-size { padding: 6px 10px; } }
/* Long web addresses wrap instead of pushing the page sideways */
.article, .sources, .footer-grid, .disclosures { overflow-wrap: break-word; }
.article a, .sources a, .disclosures a { overflow-wrap: anywhere; }
/* Accessibility audit (2026-11-03): nothing on the page smaller than 16px (1rem), including the footer and small labels */
.site-footer, .site-footer p, .site-footer a, .site-footer li, .disclosures p, .footer-head, .crafted, .crafted a,
.eyebrow, .rlabel, .answer-label, .step-count, .consent, .hint, .src-count, .rauthor-inline, .rmeta, .rmeta span,
.ts-label, .cover-kicker, .cover-by, .hh-stats dd, .note-card .rlabel, .meta, .crumbs, .swipe-hint, .tw-role { font-size: max(1rem, 1em) !important; }
.ts-a { font-size: 1rem; } .ts-a span { font-size: 1.2rem; }
.pill, .print-link, .print-link a, .opt, .field .opt { font-size: max(1rem, 1em) !important; }
.check span { font-size: max(1rem, 1em) !important; }
/* Text-size button: just the two A's on every screen; the words stay for screen readers (Michael, 2026-11-03) */
.text-size .ts-label { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.text-size { padding: 6px 12px; min-width: 48px; justify-content: center; }
/* Phones: when a text link drops below a button, line its text up with the button's text */
@media (max-width: 640px) { .btn-row { flex-direction: column; align-items: flex-start; gap: 6px; } .btn-row a:not(.btn) { padding-left: 26px; } }

/* Phone polish sweep (2026-11-03) */
.nowrap { white-space: nowrap; }
/* No lonely last word: headings balance their lines; paragraphs and list items avoid a single word on the last line */
h1, h2, h3, .rtitle, .rel-title, .mid-cta-head, .tw-title, .answer-label { text-wrap: balance; }
p, li, dd, .rdesc, .tile span, .path span { text-wrap: pretty; }
@media (max-width: 640px) {
  /* search box and its button stay on one row; the hub button below matches the row's width */
  .funnel-search { flex-direction: row; }
  .funnel-search .btn { flex: none; padding-left: 18px; padding-right: 18px; }
  .hub-funnel p > .btn, .notes-all .btn { display: block; text-align: center; }
}
/* Header: menu links, then the AA and estimate buttons (desktop one row; phones two tidy rows) */
.nav { margin-left: auto; }
.header-actions { display: flex; align-items: center; gap: 10px; }
.header-actions .btn { padding: 10px 18px; }
@media (max-width: 640px) {
  .header-row { display: grid; grid-template-columns: 1fr auto; gap: 6px 10px; padding: 10px 0; }
  .brand { grid-column: 1; grid-row: 1; }
  .header-actions { grid-column: 2; grid-row: 1; gap: 8px; }
  .header-actions .btn { padding: 9px 14px; font-size: 1rem; }
  .nav { grid-column: 1 / -1; grid-row: 2; margin-left: 0; justify-content: space-between; gap: 4px 12px; }
  /* buttons on their own: full width, all the same size; a link under a button is centered under it */
  .hero-actions { flex-direction: column; align-items: stretch; }
  main .btn:not(.tw-call):not(.text-size), .hero-actions .btn { display: block; width: 100%; text-align: center; box-sizing: border-box; }
  .funnel-search .btn { width: auto; }
  .btn-row { align-items: stretch; }
  .btn-row a:not(.btn) { padding-left: 0; text-align: center; }
  .step-actions .btn { width: auto; display: inline-block; }
}
@media (max-width: 360px) { .header-actions .btn { padding: 8px 10px; } .naf-logo { height: 26px; } }
@media (max-width: 640px) { .funnel-search .btn { width: auto !important; display: inline-block !important; } }
.path strong, .gs-steps strong, .class-item strong { text-wrap: balance; }
@media (max-width: 400px) {
  main .btn:not(.tw-call):not(.text-size) { padding-left: 14px; padding-right: 14px; }
  .mid-cta { padding: 18px 14px; }
}
.funnel-search .hub-search, .funnel-search input { min-width: 0; }
.funnel-search input { width: 100%; }
.two-col > * { min-width: 0; }
@media (max-width: 400px) { .talk-card { flex-direction: column; align-items: flex-start; } }
.h-text { text-wrap: balance; }

/* For professionals section (2026-11-03) */
.pro-banner { background: #f4f6f8; border-left: 4px solid #2b5f8e; border-radius: 8px; padding: 12px 16px; margin: 0 0 22px; font-size: 1rem; }
.pros-group { margin: 30px 0 12px; }
.pro-card .rlabel { color: #2b5f8e; }
.pill-pros { border-style: dashed; }

/* Cards, quiet label (Michael 2026-11-04): the title leads, the topic whispers */
.rcard .rlabel, .note-card .rlabel, .pro-card .rlabel { font-weight: 400; text-transform: none; letter-spacing: 0; color: var(--muted); margin: 0 0 6px; }
.rcard .rtitle { font-size: 1.3rem; margin-bottom: 8px; }
.rcard .rdesc { color: var(--muted); margin-bottom: 18px; display: -webkit-box; -webkit-line-clamp: 3; -webkit-box-orient: vertical; overflow: hidden; }
.rcard .rmeta { margin-top: auto; border-top: 0; padding-top: 0; }
.rcard .rmeta .ract { margin: 0; font-size: 1rem; white-space: nowrap; }
.rcard .rauthor-inline img { width: 24px; height: 24px; }
.rcard .rauthor-inline { white-space: nowrap; }

/* Homepage: three rotating guides in the Resource Hub band (2026-11-04) */
.home-picks { margin: 8px 0 8px; }
.home-picks > li[hidden] { display: none; }
.picks-label { margin: 34px 0 12px; font-weight: 700; color: var(--heading); font-size: 1.1rem; }

/* Homepage: Meet with me in person, office address with map sketch (Michael 2026-11-04) */
.visit-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1.1fr); gap: 36px; align-items: center; }
.visit-address { font-size: 1.1rem; margin: 18px 0 6px; }
.visit-note { color: var(--muted); margin: 0 0 18px; }
.visit-actions { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }
.visit-actions .btn { margin: 0; }
.copy-done { color: var(--brand); font-weight: 700; }
.visit-apple { margin-top: 14px; }
.visit-art { display: block; border-radius: 18px; -webkit-mask-image: radial-gradient(ellipse at center, #000 70%, transparent 100%); mask-image: radial-gradient(ellipse at center, #000 70%, transparent 100%); }
.visit-art img { display: block; width: 100%; height: auto; }
@media (max-width: 820px) { .visit-grid { grid-template-columns: 1fr; gap: 8px; } .visit-art { order: -1; opacity: .9; margin: -10px 0 -10px; } }

/* City pages: MyDTI local numbers widget (2026-11-04) */
.local-widget { margin: 36px 0; padding: 24px; border: 2px solid var(--line); border-radius: 16px; background: var(--alt); }
.local-widget h2 { margin-top: 0; }
.local-widget-plain { background: transparent; border: 0; padding: 0; margin: 24px 0 32px; }
.local-cta { margin: 8px 0 28px; padding: 16px 20px; border-radius: 14px; background: var(--brand-soft); border-left: 0; display: flex; flex-wrap: wrap; gap: 14px 20px; align-items: center; justify-content: space-between; }
.local-cta p { margin: 0; font-size: 1.1rem; color: var(--heading); flex: 1 1 320px; }
.local-cta .btn { margin: 0; }
.lw-more { margin: 20px 0 0; }

/* Landing page: reverse mortgages near you (Michael 2026-11-04: a landing page, not an article) */
.ny-hero { text-align: center; background: linear-gradient(180deg, var(--brand-soft) 0%, #fff 100%); }
.ny-hero h1 { font-size: clamp(2.1rem, 5vw, 3.4rem); max-width: 860px; margin: 0 auto 16px; }
.ny-lede { font-size: 1.2rem; max-width: 760px; margin: 0 auto 28px; color: var(--ink); }
.ny-hero .local-widget-plain { text-align: left; max-width: 1040px; margin: 0 auto; }
.ny-under { margin: 24px 0 0; display: flex; flex-wrap: wrap; gap: 12px; justify-content: center; }
.ny-under .btn { margin: 0; }
.ny-two { display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr); gap: 48px; align-items: center; }
.ny-questions { list-style: none; padding: 0; margin: 4px 0 18px; display: grid; gap: 10px; }
.ny-questions li { background: var(--surface); border: 1px solid var(--line); border-radius: 12px; padding: 12px 16px; font-weight: 700; color: var(--heading); font-size: 1.1rem; }
.ny-tom { margin: 0; text-align: center; }
.ny-photo { border-radius: 28px 28px 0 0; background: linear-gradient(160deg, #eef3f9 0%, #cddcec 100%); display: flex; justify-content: center; align-items: flex-end; overflow: hidden; max-width: 360px; margin: 0 auto; }
.ny-photo img { width: 88%; height: auto; display: block; }
.ny-tom figcaption { background: var(--surface); border: 1px solid var(--line); border-top: 0; border-radius: 0 0 16px 16px; max-width: 360px; margin: 0 auto; padding: 14px; color: var(--muted); }
.ny-tom figcaption strong { color: var(--heading); font-size: 1.15rem; }
.ny-facts { grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.ny-dont { max-width: 820px; margin: 0 auto; background: var(--surface); border: 2px solid var(--line); border-radius: 18px; padding: clamp(20px, 4vw, 36px); }
.ny-links a { font-weight: 700; }
.ny-next { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
a.path:hover { border-color: var(--brand); }
@media (max-width: 820px) { .ny-two { grid-template-columns: 1fr; gap: 28px; } .ny-hero { text-align: left; } .ny-lede { margin-left: 0; } .ny-under { justify-content: flex-start; } }
@media (max-width: 820px) { .ny-photo, .ny-tom figcaption { max-width: 240px; } .ny-tom { order: -1; } }

/* Homepage hero: ARLO-style badge and headline, compliant wording (Michael 2026-11-04) */
.hero-badge { display: inline-block; background: #1f6b3a; color: #fff; font-weight: 700; font-size: .95rem; letter-spacing: .02em; padding: 6px 14px; border-radius: 999px; margin: 0 0 14px; }
.hero-sub { font-size: 1.15rem; font-weight: 600; color: var(--heading); }
.hh-text p.hero-badge { color: #fff; font-size: 1rem; line-height: 1.3; width: auto; max-width: max-content; margin-bottom: 16px; }
.hh-text p.hero-sub { color: var(--heading); }

/* Homepage photo redesign (Michael, 2026-11-04): calmer middle, photos, tabs */
.promise-strip { background: var(--heading); color: #fff; }
.promise-strip .wrap { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; padding-top: 26px; padding-bottom: 26px; }
.promise-strip .wrap > div { display: flex; gap: 14px; align-items: flex-start; }
.promise-strip .path-ico { background: rgba(255,255,255,.12); color: #fff; width: 44px; height: 44px; flex: none; margin: 0; }
.promise-strip p { margin: 0; color: #cfdbe7; font-size: 1rem; line-height: 1.45; }
.promise-strip strong { display: block; color: #fff; font-family: var(--display); font-size: 1.1rem; margin-bottom: 2px; }
.photo-paths { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.ppath { display: flex; flex-direction: column; text-decoration: none; color: var(--ink); background: var(--surface); border: 1px solid var(--line); border-radius: 16px; overflow: hidden; box-shadow: var(--shadow); transition: border-color .15s, transform .15s; }
.ppath:hover { border-color: var(--brand); transform: translateY(-2px); }
.ppath img { width: 100%; height: 190px; object-fit: cover; display: block; }
.ppath-body { padding: 16px 18px 20px; display: block; }
.ppath-body strong { display: block; font-family: var(--display); color: var(--heading); font-size: 1.2rem; line-height: 1.25; margin-bottom: 6px; }
.ppath-body span { display: block; color: var(--muted); font-size: 1rem; line-height: 1.5; }
.more-paths { margin-top: 22px; }
.more-paths summary { cursor: pointer; color: var(--brand); font-weight: 600; font-size: 1.1rem; display: inline-block; padding: 6px 0; }
.more-paths[open] summary { margin-bottom: 16px; }
.more-paths-grid { grid-template-columns: repeat(4, 1fr); }
.timeline { list-style: none; counter-reset: tl; padding: 0; margin: 28px 0 24px; display: grid; grid-template-columns: repeat(4, 1fr); gap: 0; position: relative; }
.timeline::before { content: ""; position: absolute; left: 12.5%; right: 12.5%; top: 27px; height: 2px; background: #c9d6e3; }
.timeline li { position: relative; text-align: center; padding: 0 14px; }
.timeline li::before { counter-increment: tl; content: counter(tl); display: grid; place-items: center; width: 56px; height: 56px; margin: 0 auto 14px; border-radius: 50%; background: var(--brand); color: #fff; font: 700 1.35rem var(--display); position: relative; }
.timeline strong { display: block; font-family: var(--display); color: var(--heading); font-size: 1.15rem; margin-bottom: 4px; }
.timeline span { display: block; color: var(--muted); font-size: 1rem; line-height: 1.5; }
.timeline-note { font-size: 1rem; color: var(--muted); margin-top: 18px; }
.feature-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.feature.flip .feature-photo { order: 2; }
.feature-photo img { width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 20px; display: block; box-shadow: var(--shadow); }
.feature-more { font-size: 1rem; color: var(--muted); }
.opt-tabs { display: flex; gap: 8px; flex-wrap: wrap; margin: 26px 0 22px; }
.opt-tabs[hidden] { display: none; }
.opt-tabs button { font: 600 1.02rem var(--sans); padding: 10px 18px; border-radius: 999px; border: 1.5px solid var(--line); background: var(--surface); color: var(--ink); cursor: pointer; min-height: 44px; }
.opt-tabs button[aria-selected="true"] { background: var(--heading); border-color: var(--heading); color: #fff; }
.opt-panel + .opt-panel { margin-top: 40px; }
.js-tabs .opt-panel + .opt-panel { margin-top: 0; }
.js-tabs .opt-panel[hidden] { display: none; }
.js-tabs .opt-title { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); }
.opt-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.opt-card { display: block; text-decoration: none; color: var(--ink); background: var(--surface); border: 1px solid var(--line); border-radius: 14px; padding: 16px 18px; }
.opt-card:hover { border-color: var(--brand); }
.opt-card strong { display: block; font-family: var(--display); color: var(--heading); font-size: 1.1rem; margin-bottom: 4px; }
.opt-card span { display: block; color: var(--muted); font-size: 1rem; line-height: 1.5; }
.opt-foot { font-size: 1rem; color: var(--muted); margin-top: 18px; }
.guide-band-grid { display: grid; grid-template-columns: 260px 1fr; gap: 56px; align-items: center; }
.guide-band-cover img { width: 100%; height: auto; display: block; border-radius: 6px; box-shadow: 0 18px 40px rgba(30,51,72,.22); transform: rotate(-2deg); }
@media (max-width: 960px) {
  .photo-paths, .more-paths-grid { grid-template-columns: 1fr 1fr; gap: 14px; }
  .opt-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 820px) {
  .promise-strip .wrap { grid-template-columns: 1fr; gap: 16px; }
  .ppath img { height: 130px; }
  .ppath-body { padding: 12px 14px 16px; }
  .ppath-body strong { font-size: 1.05rem; }
  .ppath-body span { display: none; }
  .timeline { grid-template-columns: 1fr; gap: 18px; }
  .timeline::before { left: 27px; right: auto; top: 28px; bottom: 28px; width: 2px; height: auto; }
  .timeline li { text-align: left; padding: 0 0 0 76px; min-height: 56px; }
  .timeline li::before { position: absolute; left: 0; top: 0; margin: 0; }
  .feature-grid, .guide-band-grid { grid-template-columns: 1fr; gap: 24px; }
  .feature.flip .feature-photo { order: 0; }
  .opt-grid { grid-template-columns: 1fr; }
  .guide-band-cover { max-width: 180px; }
}
@media (max-width: 520px) { .more-paths-grid { grid-template-columns: 1fr; } }
@media (prefers-reduced-motion: reduce) { .ppath { transition: none; } .ppath:hover { transform: none; } }
/* Set-aside photo: a little taller, with a soft abstract blue shape behind it (Michael, 2026-11-04) */
.blob-frame { position: relative; isolation: isolate; padding: 18px; }
.blob-frame::before { content: ""; position: absolute; z-index: -1; inset: 0 -6px -10px -14px; background: linear-gradient(140deg, #c9dcee, #e3edf7 75%); border-radius: 46% 54% 42% 58% / 38% 44% 56% 62%; transform: rotate(-4deg); }
.blob-frame::after { content: ""; position: absolute; z-index: -1; width: 96px; height: 96px; right: -4px; top: -6px; border-radius: 50%; background: #b9d1e8; opacity: .75; }
.blob-frame img { aspect-ratio: 11 / 10; }
@media (max-width: 820px) { .blob-frame { padding: 12px; } .blob-frame img { aspect-ratio: 4 / 3; } }

/* "Before you go" free guide reminder (desktop only) */
.exit-guide { border: 0; padding: 0; border-radius: 20px; max-width: 640px; width: calc(100vw - 48px); box-shadow: 0 24px 60px rgba(30, 51, 72, .35); color: var(--ink); background: #fff; }
.exit-guide::backdrop { background: rgba(20, 38, 58, .55); }
.exit-guide[open] { animation: eg-in .22s ease-out; }
@keyframes eg-in { from { opacity: 0; transform: translateY(12px); } to { opacity: 1; transform: none; } }
.eg-grid { display: grid; grid-template-columns: 170px 1fr; gap: 28px; align-items: center; padding: 34px 34px 26px; }
.eg-cover { width: 100%; height: auto; border-radius: 6px; box-shadow: 0 12px 28px rgba(30, 51, 72, .25); transform: rotate(-2deg); }
.exit-guide h2 { margin: 0 0 10px; font-size: 1.6rem; }
.exit-guide p { font-size: 1.05rem; margin: 0 0 10px; }
.exit-guide .eyebrow { margin: 0 0 6px; }
.eg-small { color: var(--muted); font-size: .98rem !important; }
.eg-actions { display: flex; gap: 10px; flex-wrap: wrap; margin: 16px 0 12px; }
.eg-actions .btn { cursor: pointer; }
.eg-fine { color: var(--muted); font-size: .8rem !important; margin: 0 !important; }
.eg-close { position: absolute; top: 10px; right: 14px; border: 0; background: none; font-size: 2rem; line-height: 1; color: var(--muted); cursor: pointer; padding: 4px 8px; }
@media (prefers-reduced-motion: reduce) { .exit-guide[open] { animation: none; } }
/* Set-aside photo: house-shaped background instead of the blob (Michael, 2026-11-04) */
.blob-frame { padding: 0; margin-top: 70px; }
.blob-frame::before { inset: -86px -22px -22px -22px; transform: none; border-radius: 0;
  background: linear-gradient(180deg, #d3e2f0, #e8f0f8 80%);
  clip-path: polygon(50% 0, 100% 34%, 100% 100%, 0 100%, 0 34%); }
.blob-frame::after { display: none; }
@media (max-width: 820px) { .blob-frame { margin-top: 56px; } .blob-frame::before { inset: -60px -12px -12px -12px; } }
/* Pop-up with the guide form inside (Michael, 2026-11-04) */
.exit-guide { max-width: 860px; max-height: calc(100vh - 40px); overflow: auto; overscroll-behavior: contain; }
.exit-guide .eg-grid { grid-template-columns: 200px 1fr; align-items: start; gap: 32px; padding: 34px 36px 24px; }
.exit-guide .eg-cover { margin-top: 34px; }
.exit-guide .eg-lede { color: var(--muted); }
.eg-form { margin: 16px 0 8px; padding: 20px; border: 1px solid var(--line); border-radius: 14px; background: var(--alt); }
.eg-form .guide-form legend { font-size: 1.15rem; }
.eg-form .tiles { gap: 8px; }
.eg-form .guide-done h2 { font-size: 1.35rem; margin-top: 0; }
.eg-fallback { margin: 0; }
.eg-no { border: 0; background: none; padding: 0; color: var(--brand); font: inherit; text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }
.exit-guide.eg-done .eg-lede, .exit-guide.eg-done .eg-small { display: none; }
@media (max-height: 760px) { .exit-guide .eg-cover { display: none; } .exit-guide .eg-grid { grid-template-columns: 1fr; } }
.exit-guide.eg-done .eyebrow { display: none; }

/* Free guide for advisors, CPAs and attorneys on /for-professionals (Michael, 2026-11-04) */
.pro-offer { display: grid; grid-template-columns: 1fr 360px; gap: 28px; align-items: start; margin: 28px 0 36px; padding: 24px; border-radius: 18px; background: var(--alt); border: 1px solid var(--line); }
.pro-offer h2 { font-size: 1.45rem; }
.pro-offer .form-card { margin: 0; }
@media (max-width: 900px) { .pro-offer { grid-template-columns: 1fr; padding: 18px; } }

/* Homepage "For professionals" band (Michael, 2026-11-04) */
.pro-band { border-top: 1px solid var(--line); }
.pro-cards { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.pro-card { display: flex; gap: 20px; align-items: center; text-decoration: none; color: var(--ink); background: var(--surface); border: 1px solid var(--line); border-radius: 16px; padding: 18px; box-shadow: var(--shadow); transition: border-color .15s; }
.pro-card:hover { border-color: var(--brand); }
.pro-card img { width: 96px; height: auto; flex: none; border-radius: 4px; box-shadow: 0 6px 14px rgba(30,51,72,.18); }
.pro-card strong { display: block; font-family: var(--display); color: var(--heading); font-size: 1.2rem; margin-bottom: 4px; }
.pro-card span span { display: block; color: var(--muted); font-size: 1rem; line-height: 1.5; }
.pro-card em { display: block; font-style: normal; font-weight: 600; color: var(--brand); margin-top: 8px; font-size: 1rem; }
@media (max-width: 820px) { .pro-cards { grid-template-columns: 1fr; } .pro-card img { width: 72px; } }
.h-sub { font-size: .6em; font-weight: 600; color: var(--muted); white-space: nowrap; }
.pro-ico { width: 96px; height: 124px; flex: none; display: flex; align-items: center; justify-content: center; border-radius: 6px; background: var(--brand-soft); color: var(--brand); } @media (max-width: 820px) { .pro-ico { width: 72px; height: 93px; } }

/* "Send this to family" (Michael, 2026-11-04) */
.share-wrap { position: relative; display: inline-block; }
.share-top { margin-left: 14px; }
.share-top::before { content: "·"; margin-right: 14px; color: var(--muted); }
.link-btn { border: 0; background: none; padding: 0; font: inherit; color: var(--brand); text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }
.share-menu { display: inline-flex; flex-wrap: wrap; gap: 8px 14px; align-items: center; margin-left: 10px; }
.js .share-menu { position: absolute; left: 0; top: calc(100% + 8px); z-index: 20; margin: 0; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 12px 14px; box-shadow: 0 10px 28px rgba(30,51,72,.18); flex-direction: column; align-items: flex-start; min-width: 180px; }
.js .share-menu[hidden] { display: none; }
.share-menu a, .share-copy { font-size: 1rem; font-weight: 600; color: var(--brand); }
.share-copy { border: 0; background: none; padding: 0; cursor: pointer; text-decoration: underline; text-underline-offset: 3px; font-family: inherit; }
.share-done { font-size: .9rem; color: var(--muted); }
.share-box { display: flex; gap: 16px; align-items: flex-start; margin: 36px 0; padding: 20px 22px; border-radius: 16px; background: var(--brand-soft); border: 1px solid #d6e1ec; }
.share-box p { margin: 0 0 12px; }
.share-ico { flex: none; width: 52px; height: 52px; border-radius: 14px; background: #fff; color: var(--brand); display: flex; align-items: center; justify-content: center; }
@media (max-width: 520px) { .share-top { display: block; margin: 8px 0 0; } .share-top::before { display: none; } .share-box { flex-direction: column; } }

/* "Hi, I'm Tom" centered (Michael, 2026-11-04): breaks up two left-aligned text blocks in a row */
.about-center .wrap { max-width: 760px; text-align: center; }
.about-avatar { width: 120px; height: 120px; border-radius: 50%; object-fit: cover; display: block; margin: 0 auto 16px; box-shadow: 0 8px 24px rgba(30,51,72,.18); border: 4px solid #fff; }
.about-center h2 { margin-top: 0; }
.about-center p { margin-left: auto; margin-right: auto; }
.about-actions { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; margin-top: 22px; }
.about-nmls { color: var(--muted); font-size: .95rem; margin-top: 14px; }

/* "The math that decides it" (refinance guide): a stack that has to fit inside one box (Michael, 2026-11-04) */
.fit { display: grid; grid-template-columns: 1.2fr auto 1fr; gap: 18px; align-items: center; margin: 22px 0; }
.fit-head { font-family: var(--display); font-weight: 700; color: var(--heading); margin: 0 0 10px; }
.fit-left { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 18px; box-shadow: var(--shadow); }
.fit-left ol { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; }
.fit-left li { display: flex; gap: 12px; align-items: center; background: var(--alt); border-radius: 10px; padding: 10px 12px; font-size: 1rem; line-height: 1.4; }
.fit-left li span { flex: none; width: 28px; height: 28px; border-radius: 50%; background: var(--brand); color: #fff; font: 700 .9rem/28px var(--display); text-align: center; }
.fit-arrow { display: flex; flex-direction: column; align-items: center; gap: 4px; color: var(--brand); font-size: .85rem; font-weight: 600; text-align: center; }
.fit-right { background: var(--brand-soft); border: 2px solid var(--brand); border-radius: 16px; padding: 20px; }
.fit-right p:last-child { margin: 0; font-size: 1rem; }
@media (max-width: 720px) { .fit { grid-template-columns: 1fr; } .fit-arrow svg { transform: rotate(90deg); } }

/* Share menu, modern version (Michael, 2026-11-04): icons, smooth open, native share sheet where the browser has one */
.share-btn { display: inline-flex; align-items: center; gap: 8px; }
.sb-ico { display: inline-flex; }
.sb-ico svg, .si svg { stroke: currentColor; fill: none; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.share-main { box-shadow: 0 4px 14px rgba(43,95,142,.25); }
.share-title { display: none; }
.js .share-menu { min-width: 230px; padding: 8px; gap: 2px; border-radius: 16px; box-shadow: 0 16px 40px rgba(30,51,72,.2); border-color: #e3e9ef;
  opacity: 0; transform: translateY(-6px) scale(.98); transform-origin: top left; pointer-events: none; transition: opacity .16s ease, transform .16s ease; }
.js .share-menu[hidden] { display: flex; visibility: hidden; }
.js .share-menu.open { opacity: 1; transform: none; pointer-events: auto; visibility: visible; }
.js .share-title { display: block; font: 700 .8rem var(--display); letter-spacing: .08em; text-transform: uppercase; color: var(--muted); padding: 8px 12px 6px; }
.share-item { display: flex; align-items: center; gap: 12px; width: 100%; padding: 10px 12px; border-radius: 10px; text-decoration: none !important; color: var(--ink) !important; font: 600 1rem var(--sans); background: none; border: 0; cursor: pointer; text-align: left; }
.share-item:hover, .share-item:focus-visible { background: var(--brand-soft); }
.si { flex: none; width: 36px; height: 36px; border-radius: 50%; background: var(--brand-soft); color: var(--brand); display: inline-flex; align-items: center; justify-content: center; }
.share-item:hover .si { background: #fff; }
.share-copy.copied .si { background: #e6f4ea; color: #1f6b3a; }
.js .share-done { padding: 0 12px; }
@media (prefers-reduced-motion: reduce) { .js .share-menu { transition: none; } }
.share-menu .share-item { font-size: 1.05rem; }

/* Tom's voice clip on a note (Michael, 2026-11-04) */
.voice { margin: 22px 0 28px; padding: 18px 20px; border-radius: 16px; background: var(--brand-soft); border: 1px solid #d6e1ec; }
.voice-head { display: flex; gap: 12px; align-items: center; margin-bottom: 12px; }
.voice-head img { border-radius: 50%; }
.voice-label { margin: 0; font-family: var(--display); font-weight: 700; color: var(--heading); font-size: 1.15rem; }
.voice-sub { margin: 0; color: var(--muted); font-size: .95rem; }
.voice audio { width: 100%; }
.voice figcaption { margin-top: 12px; }
.voice-words { font-size: 1.05rem; margin: 0 0 8px; }
.voice-note { margin: 0; color: var(--muted); font-size: .95rem; }
.noscript-note { background: #fff6d6; border-radius: 10px; padding: 12px 14px; font-weight: 600; }

/* Audit fixes 2026-11-04: readable small print (audience 62+), clearer control edges, visible search focus */
.eg-fine, .js .share-title, .fit-arrow, .tw-fine, .share-done, .about-nmls, .voice-sub, .voice-note, .eg-small, .opt-foot, .feature-more, .timeline-note { font-size: max(1rem, 1em) !important; }
.h-sub { font-size: max(1rem, .6em); }
.tile span, .field input, .field select { border-color: #8a96a3; }
.hub-search:focus-within { outline: 3px solid var(--accent); outline-offset: 2px; }
/* Counselor line under the four steps: full width of the section (Michael, 2026-11-04) */
.band .wrap > p.timeline-note { max-width: none; display: flex; gap: 14px; align-items: center; margin: 26px 0 0; padding: 14px 18px; background: #fff; border: 1px solid var(--line); border-radius: 14px; color: var(--muted); }
.timeline-note .path-ico { flex: none; width: 40px; height: 40px; margin: 0; }
.opt-tabs button[aria-selected="true"] { background: var(--brand); border-color: var(--brand); }  /* same blue as the buttons (Michael, 2026-11-04) */

/* Balanced card grids: never one card alone on a row (Michael, 2026-11-04) */
@media (min-width: 900px) {
  .rgrid.n2, .rgrid.n4 { grid-template-columns: repeat(2, 1fr); }
  .rgrid.n3, .rgrid.n6 { grid-template-columns: repeat(3, 1fr); }
  .rgrid.n1 { grid-template-columns: minmax(0, 560px); }
}
.pro-grid-4 { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 720px) { .pro-grid-4 { grid-template-columns: 1fr; } }
/* Professionals landing page */
.pro-two { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; margin-top: 22px; }
.pro-panel { background: var(--surface); border: 1px solid var(--line); border-radius: 16px; padding: 22px 24px; box-shadow: var(--shadow); }
.pro-panel h3 { margin-top: 0; }
.pro-panel p:last-child { margin-bottom: 0; }
.pro-extras { margin-top: 26px; }
@media (max-width: 820px) { .pro-two { grid-template-columns: 1fr; } }
.pro-three { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 22px; } @media (max-width: 900px) { .pro-three { grid-template-columns: 1fr; } }

/* Modern form fields (Michael, 2026-11-04: drop-downs looked dated). Thin edge that still meets 3:1 contrast, soft shadow, our own arrow, blue glow on focus. */
.field input, .field select { border: 1.5px solid #8a96a3; border-radius: 12px; padding: 14px 16px; min-height: 54px; background-color: #fff; box-shadow: 0 1px 2px rgba(16, 24, 40, .06); transition: border-color .15s ease, box-shadow .15s ease; }
.field select { -webkit-appearance: none; appearance: none; padding-right: 50px; cursor: pointer; text-overflow: ellipsis;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%232b5f8e' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: right 16px center; background-size: 20px 20px; }
.field select::-ms-expand { display: none; }
.field input:hover, .field select:hover { border-color: var(--brand); }
.field input:focus, .field select:focus { border-color: var(--brand); outline: 3px solid transparent; box-shadow: 0 0 0 4px rgba(43, 95, 142, .25); }
.field select:invalid, .field select option[value=""] { color: var(--muted); }
.field select option { color: var(--ink); }

/* Phone fixes (mobile audit, Michael 2026-11-04) */
@media (max-width: 520px) {
  .share-box { padding: 20px; }
  .share-box .share-ico { display: none; }                 /* the button already carries the share icon */
  .share-box .share-wrap, .share-box .share-main { display: flex; width: 100%; justify-content: center; }
}
.tw { transition: transform .25s ease, opacity .25s ease; }
.tw.tw-away { opacity: 0; transform: translateY(16px); pointer-events: none; }  /* steps aside where the page's own contact section shows */
@media (max-width: 520px) {
  /* Counselor note: the icon was squeezing the text into a thin column */
  .band .wrap > p.timeline-note { display: block; padding: 16px 18px; }
  .band .wrap > p.timeline-note .path-ico { display: none; }
  /* Option tabs: same width, stacked evenly */
  .opt-tabs { display: grid; grid-template-columns: 1fr; gap: 8px; }
  .opt-tabs button { width: 100%; text-align: center; }
  /* Free guide cover: centered */
  .guide-band-cover { display: block; width: 62%; max-width: 240px; margin: 0 auto 8px; }
  /* Professional cards: cover on top, text full width */
  .pro-card { flex-direction: column; align-items: flex-start; gap: 14px; }
  .pro-card img { width: 96px; height: auto; }
}
@media (max-width: 520px) {
  /* Agent and advisor guide covers centered like the family guide cover (Michael, 2026-11-05) */
  .pro-card img { align-self: center; width: 140px; margin: 0 auto; }
}