:root{
    --navy:#0b1f3a;
    --navy-2:#0e2748;
    --navy-3:#142f56;
    --navy-deep:#06152a;
    --gold:#d4a73a;
    --gold-2:#b8902b;
    --gold-text:#755712;
    --gold-soft:#f4ecd6;
    --gold-light:#e8c46d;
    --blush:#f6e7e0;
    --blush-deep:#d9b8ad;
    --sand:#f6efe1;
    --paper:#fbf8f4;
    --ocean:#3c6e8f;
    --ocean-deep:#1e4d7a;
    --ink:#0f172a;
    --muted:#5b6b80;
    --line:#e6e1d4;
    --white:#ffffff;
    --shadow:0 14px 38px rgba(11,31,58,.08);
    --shadow-lg:0 28px 70px rgba(11,31,58,.14);
    --serif:'Cormorant Garamond',Georgia,serif;
    --display:'Playfair Display',Georgia,serif;
    --sans:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
  }
  *{box-sizing:border-box}
  html{scroll-behavior:smooth}
  html,body{margin:0;padding:0}
  body{font-family:var(--sans);color:var(--ink);background:var(--paper);line-height:1.7;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
  h1,h2,h3,h4{font-family:var(--display);line-height:1.15;margin:0 0 .5em;color:var(--navy);font-weight:700}
  h1{font-size:clamp(2.3rem,5.6vw,4rem);font-weight:800;letter-spacing:-.015em}
  h2{font-size:clamp(1.8rem,3.8vw,2.8rem);font-weight:700;letter-spacing:-.005em}
  h3{font-size:1.35rem;font-weight:700}
  p{margin:0 0 1.1em}
  a{color:var(--gold-2);text-decoration:none;transition:color .15s ease}
  a:hover{color:var(--gold)}
  .container{max-width:1240px;margin:0 auto;padding:0 28px}
  .eyebrow{display:inline-block;font-family:var(--sans);font-size:.76rem;font-weight:600;letter-spacing:.28em;text-transform:uppercase;color:var(--gold-2);margin-bottom:18px}

  /* COMPLIANCE IDENTITY BAR */
  .id-bar{background:#06152a;color:rgba(255,255,255,.85);font-family:var(--sans);font-size:.74rem;letter-spacing:.16em;text-transform:uppercase;font-weight:500;padding:9px 0;text-align:center;border-bottom:1px solid rgba(212,167,58,.25);position:relative;z-index:60}
  .id-bar .ib{max-width:1240px;margin:0 auto;padding:0 28px;display:flex;align-items:center;justify-content:center;gap:14px;flex-wrap:wrap;line-height:1.55}
  .id-bar strong{color:var(--gold);font-weight:600}
  .id-bar .sep{color:rgba(212,167,58,.5);font-weight:700}

  /* NAV */
  header.nav{position:absolute;top:34px;left:0;right:0;z-index:50;background:transparent}
  header.nav.scrolled{position:fixed;top:0;background:rgba(11,31,58,.96);backdrop-filter:saturate(140%) blur(12px);border-bottom:1px solid rgba(255,255,255,.08);animation:slideDown .3s ease}
  @keyframes slideDown{from{transform:translateY(-100%)}to{transform:translateY(0)}}
  .nav-inner{display:flex;align-items:center;justify-content:space-between;padding:22px 28px;max-width:1320px;margin:0 auto;gap:16px}
  .brand{display:flex;align-items:center;gap:14px;color:#fff;text-decoration:none}
  .brand-mark{width:48px;height:48px;border-radius:50%;background:linear-gradient(135deg,var(--gold) 0%,var(--gold-light) 100%);display:grid;place-items:center;color:var(--navy);font-weight:900;font-family:var(--display);font-size:1.15rem;letter-spacing:-.02em;box-shadow:0 6px 18px rgba(212,167,58,.35)}
  .brand-text{font-family:var(--display);font-size:1.2rem;line-height:1.1;font-weight:800;letter-spacing:.04em;color:#fff}
  .brand-text small{display:block;font-weight:500;color:var(--gold-light);font-size:.7rem;letter-spacing:.24em;text-transform:uppercase;font-family:var(--sans);margin-top:4px}
  .nav-links{display:flex;align-items:center;gap:26px}
  .nav-links a{color:rgba(255,255,255,.85);font-size:.88rem;font-weight:500;letter-spacing:.04em;text-transform:uppercase;font-family:var(--sans)}
  .nav-links a:hover{color:var(--gold-light)}
  .nav-cta{display:flex;align-items:center;gap:14px}
  .nav-phone{color:#fff;font-weight:500;font-size:.95rem;font-family:var(--sans);letter-spacing:.02em}
  .btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--sans);font-weight:600;border-radius:2px;padding:14px 28px;font-size:.8rem;cursor:pointer;transition:all .25s ease;border:0;text-decoration:none;white-space:nowrap;letter-spacing:.18em;text-transform:uppercase}
  .btn-gold{background:var(--gold);color:var(--navy)}
  .btn-gold:hover{background:var(--gold-light);transform:translateY(-2px);box-shadow:0 12px 26px rgba(212,167,58,.4);color:var(--navy)}
  .btn-outline{background:transparent;border:1.5px solid rgba(255,255,255,.6);color:#fff}
  .btn-outline:hover{background:#fff;color:var(--navy);border-color:#fff}
  .btn-navy{background:var(--navy);color:#fff}
  .btn-navy:hover{background:var(--navy-3);color:#fff}

  /* HERO */
  .hero{position:relative;min-height:100vh;background:linear-gradient(135deg,#0b1f3a 0%,#102a4d 50%,#1a3a5e 100%);color:#fff;overflow:hidden;display:flex;align-items:center;padding-top:140px;isolation:isolate}
  .hero::before{content:"";position:absolute;inset:0;z-index:-1;background:
    radial-gradient(ellipse at 18% 28%, rgba(60,110,143,.32), transparent 55%),
    radial-gradient(ellipse at 82% 72%, rgba(212,167,58,.16), transparent 60%),
    radial-gradient(ellipse at 100% 8%, rgba(246,231,224,.10), transparent 45%);
    pointer-events:none}
  .hero::after{content:"";position:absolute;bottom:-1px;left:0;right:0;height:120px;background:linear-gradient(180deg,transparent,var(--paper));pointer-events:none;z-index:1}
  .hero-grid{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:60px;align-items:center;padding:48px 0 96px;z-index:2;width:100%}
  .hero h1{margin:18px 0 22px;color:#fff}
  .hero h1 .accent{display:block;background:linear-gradient(90deg,var(--gold-light),var(--gold),var(--gold-light));-webkit-background-clip:text;background-clip:text;color:transparent;font-style:italic;font-family:var(--serif);font-weight:500;letter-spacing:-.005em}
  .hero p.lede{font-family:var(--serif);font-size:clamp(1.1rem,1.5vw,1.32rem);color:rgba(255,255,255,.88);max-width:540px;margin-top:8px;font-weight:400;line-height:1.7}
  .hero-pill{display:inline-flex;align-items:center;gap:10px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);padding:9px 18px;border-radius:999px;font-size:.72rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;color:#fff}
  .hero-pill .dot{width:7px;height:7px;border-radius:50%;background:var(--gold);box-shadow:0 0 12px var(--gold)}
  .hero-ctas{margin-top:36px;display:flex;gap:14px;flex-wrap:wrap}
  .hero-meta{display:flex;gap:30px;margin-top:42px;flex-wrap:wrap;color:rgba(255,255,255,.78);font-size:.82rem;font-family:var(--sans);letter-spacing:.04em}
  .hero-meta strong{display:block;color:var(--gold-light);font-family:var(--display);font-size:1.5rem;font-weight:700;line-height:1;margin-bottom:6px}

  /* HERO FORM */
  .lead-card{background:#fff;color:var(--ink);border-radius:4px;padding:32px;box-shadow:var(--shadow-lg);position:relative;z-index:3;border:1px solid rgba(255,255,255,.5)}
  .lead-card::before{content:"";position:absolute;top:-3px;left:-3px;right:-3px;bottom:-3px;border:1px solid var(--gold);border-radius:5px;z-index:-1;opacity:.4}
  .lead-card h3{margin:0 0 4px;color:var(--navy);font-family:var(--display);font-size:1.55rem;font-weight:700}
  .lead-card .sub{color:var(--muted);font-size:.92rem;margin:0 0 14px;font-family:var(--serif);font-style:italic;font-size:1.05rem}
  .privacy-line{display:flex;align-items:flex-start;gap:8px;background:#f8fafc;border:1px solid var(--line);border-radius:4px;padding:11px 14px;font-size:.78rem;color:var(--muted);margin-bottom:16px;line-height:1.55}
  .privacy-line svg{flex-shrink:0;color:var(--gold-2);margin-top:2px}
  .privacy-line strong{color:var(--navy);font-weight:600}
  .grid-2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
  .field{margin-bottom:14px}
  .field label{display:block;font-size:.7rem;font-weight:600;color:var(--navy);margin-bottom:7px;letter-spacing:.14em;text-transform:uppercase;font-family:var(--sans)}
  .field .req{color:#b91c1c;margin-left:3px}
  .field .opt{color:var(--muted);font-weight:500;margin-left:8px;font-size:.66rem;letter-spacing:.1em;text-transform:uppercase}
  .field input,.field select,.field textarea{width:100%;padding:13px 14px;font:inherit;color:var(--ink);background:#fcfaf6;border:1px solid var(--line);border-radius:2px;outline:none;transition:all .2s ease;font-family:var(--sans);font-size:.95rem}
  .field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(212,167,58,.16);background:#fff}
  .field textarea{min-height:72px;resize:vertical}
  .field .hint{font-size:.74rem;color:var(--muted);margin-top:6px;font-family:var(--serif);font-style:italic}
  .btn-submit{width:100%;background:var(--navy);color:#fff;padding:16px 22px;font-size:.8rem;border-radius:2px;font-weight:700;border:0;cursor:pointer;margin-top:8px;letter-spacing:.18em;text-transform:uppercase;transition:all .2s ease;font-family:var(--sans)}
  .btn-submit:hover{background:var(--gold);color:var(--navy)}
  .legal-mini{font-size:.74rem;color:var(--muted);margin-top:12px;line-height:1.6;font-family:var(--sans)}
  .success{display:none;background:#ecfdf5;border:1px solid #a7f3d0;color:#065f46;border-radius:4px;padding:22px;text-align:center}
  .success.show{display:block}
  .success h4{margin:0 0 8px;color:#065f46;font-family:var(--display);font-weight:700;font-size:1.2rem}

  /* SECTIONS */
  section{padding:110px 0;position:relative}
  .section-head{text-align:center;max-width:780px;margin:0 auto 56px}
  .section-head p{font-family:var(--serif);font-size:1.18rem;color:var(--muted);line-height:1.7;margin-top:14px}

  /* I'VE LIVED THIS */
  .lived{background:linear-gradient(180deg,var(--paper),var(--blush))}
  .lived-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:center;margin-bottom:48px}
  .lived-text h2{margin-bottom:24px}
  .lived-text h2 .it{font-family:var(--serif);font-style:italic;color:var(--gold-2);font-weight:500;display:block}
  .lived-text p{font-family:var(--serif);font-size:1.18rem;color:#3a4a60;line-height:1.85;margin-bottom:18px}
  .lived-text p:first-of-type::first-letter{font-family:var(--display);font-size:4.2rem;line-height:1;float:left;margin:6px 12px 0 0;color:var(--gold-2);font-weight:800}
  .lived-img{position:relative;border-radius:6px;overflow:hidden;box-shadow:var(--shadow-lg);aspect-ratio:3/2;background:#fbf8f4}
  .lived-img::before{content:"";position:absolute;top:-8px;left:-8px;right:-8px;bottom:-8px;border:1px solid var(--gold);border-radius:8px;opacity:.4;pointer-events:none;z-index:2}
  .lived-img img{width:100%;height:100%;object-fit:contain;object-position:center;display:block}
  .lived-pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:8px}
  .lp{background:#fff;border:1px solid var(--line);border-left:3px solid var(--gold);border-radius:3px;padding:20px 22px}
  .lp h4{font-family:var(--display);font-size:1.05rem;color:var(--navy);font-weight:700;margin:0 0 4px}
  .lp p{font-family:var(--serif);font-size:.98rem;color:var(--muted);margin:0;line-height:1.55;font-style:italic}

  /* PROCESS — 6 STEPS */
  .process{background:var(--navy);color:#fff;position:relative;overflow:hidden}
  .process::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse at 50% 0%,rgba(60,110,143,.28),transparent 60%);pointer-events:none}
  .process .section-head h2{color:#fff}
  .process .section-head p{color:rgba(255,255,255,.78)}
  .process .eyebrow{color:var(--gold-light)}
  .process-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
  .step{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1);border-radius:4px;overflow:hidden;position:relative;transition:all .3s ease;display:flex;flex-direction:column}
  .step:hover{transform:translateY(-4px);background:rgba(255,255,255,.07);border-color:rgba(212,167,58,.35);box-shadow:0 18px 38px rgba(0,0,0,.32)}
  .step-img{position:relative;aspect-ratio:5/4;overflow:hidden;background:#000}
  .step-img img{width:100%;height:100%;object-fit:cover;display:block;transition:transform .6s ease}
  .step:hover .step-img img{transform:scale(1.04)}
  .step-img::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 50%,rgba(11,31,58,.55));pointer-events:none}
  .step .step-num{position:absolute;bottom:14px;left:14px;width:44px;height:44px;border-radius:50%;background:var(--gold);color:var(--navy);font-family:var(--display);font-weight:800;font-size:1.2rem;display:grid;place-items:center;box-shadow:0 6px 16px rgba(0,0,0,.4);z-index:2}
  .step-body{padding:26px 26px 28px;flex:1;display:flex;flex-direction:column;gap:6px}
  .step h3{font-family:var(--display);font-size:1.25rem;color:#fff;font-weight:700;margin:0 0 4px;line-height:1.25}
  .step p{font-family:var(--serif);font-size:1.04rem;color:rgba(255,255,255,.82);line-height:1.65;margin:0;font-style:italic}

  /* THREE PATHS */
  .paths{background:var(--paper)}
  .paths-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:32px}
  .path{background:#fff;border:1px solid var(--line);border-radius:4px;padding:36px 32px;display:flex;flex-direction:column;transition:all .3s ease;position:relative}
  .path::before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:linear-gradient(90deg,var(--gold),var(--gold-light),var(--gold))}
  .path:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--gold)}
  .path .path-num{font-family:var(--sans);font-size:.66rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-2);margin-bottom:6px}
  .path .path-name{font-family:var(--display);font-size:1.5rem;color:var(--navy);font-weight:800;margin:0 0 10px;line-height:1.2}
  .path .path-summary{font-family:var(--serif);font-style:italic;font-size:1.08rem;color:var(--gold-2);font-weight:500;margin-bottom:18px;line-height:1.5}
  .path ul{list-style:none;padding:0;margin:0 0 18px;flex:1}
  .path li{padding:8px 0 8px 22px;position:relative;font-family:var(--sans);font-size:.95rem;color:var(--ink);line-height:1.55}
  .path li::before{content:"";position:absolute;left:0;top:14px;width:10px;height:2px;background:var(--gold)}
  .path .best{margin-top:auto;padding:12px 14px;background:var(--gold-soft);border-radius:3px;font-family:var(--sans);font-size:.85rem;color:var(--gold-2);font-weight:600;line-height:1.4}
  .path .best strong{color:var(--navy);font-weight:700;display:block;margin-bottom:3px;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase}

  /* WHY KIRI */
  .why{background:linear-gradient(180deg,var(--paper),var(--sand))}
  .why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
  .why-card{background:#fff;border:1px solid var(--line);border-radius:4px;padding:34px 30px;display:flex;gap:22px;align-items:flex-start;transition:all .3s ease}
  .why-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
  .why-ico{flex-shrink:0;width:56px;height:56px;border-radius:50%;background:linear-gradient(135deg,var(--gold-soft),var(--gold-light));color:var(--navy);display:grid;place-items:center}
  .why-card h3{font-family:var(--display);font-size:1.3rem;color:var(--navy);font-weight:700;margin:0 0 8px;line-height:1.25}
  .why-card p{font-family:var(--serif);font-size:1.08rem;color:#3a4a60;line-height:1.7;margin:0}

  /* ABOUT KIRI */
  .about{background:#fff;border-top:1px solid var(--line)}
  .about-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px;align-items:center}
  .about-photo{position:relative;display:flex;justify-content:center}
  .about-photo .ring{position:absolute;inset:-20px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--blush-deep) 70%);filter:blur(40px);opacity:.35;z-index:0}
  .about-photo .frame{position:relative;z-index:1;width:100%;max-width:420px;aspect-ratio:1/1;border-radius:50%;overflow:hidden;background:linear-gradient(135deg,var(--sand),#fff);box-shadow:var(--shadow-lg)}
  .about-photo .frame::after{content:"";position:absolute;inset:-12px;border:1px solid var(--gold);border-radius:50%;opacity:.45;pointer-events:none}
  .about-photo img{width:100%;height:100%;object-fit:cover}
  .about-text h2{margin-bottom:20px}
  .about-text .tag{font-family:var(--serif);font-style:italic;font-size:1.4rem;color:var(--gold-2);margin-bottom:24px;font-weight:500;line-height:1.45}
  .about-text p{font-family:var(--serif);font-size:1.13rem;color:#3a4a60;line-height:1.75;margin-bottom:18px}
  .credentials{display:grid;grid-template-columns:1fr;gap:18px;margin:32px 0;max-width:520px}
  .cred{padding:22px 24px;background:var(--paper);border-left:3px solid var(--gold)}
  .cred .top{font-size:.7rem;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-2);margin-bottom:8px;font-family:var(--sans)}
  .cred .mid{font-family:var(--display);font-weight:700;font-size:1.12rem;color:var(--navy);line-height:1.25}
  .cred .bot{font-size:.84rem;color:var(--muted);margin-top:5px;font-family:var(--sans)}
  .contact-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
  .chip{display:inline-flex;align-items:center;gap:9px;background:var(--paper);border:1px solid var(--line);border-radius:999px;padding:11px 18px;font-weight:600;color:var(--navy);font-size:.88rem;font-family:var(--sans)}
  .chip svg{flex-shrink:0;color:var(--gold-2)}

  /* CTA STRIP */
  .cta-strip{background:linear-gradient(135deg,var(--navy-deep),var(--navy));color:#fff;border-radius:4px;padding:60px 56px;display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap;box-shadow:var(--shadow-lg);position:relative;overflow:hidden}
  .cta-strip::before{content:"";position:absolute;inset:0;background:radial-gradient(ellipse at 100% 0%,rgba(212,167,58,.18),transparent 50%);pointer-events:none}
  .cta-strip h2{color:#fff;margin:0;font-size:clamp(1.5rem,2.4vw,2.1rem);position:relative}
  .cta-strip h2 .it{font-family:var(--serif);font-style:italic;color:var(--gold-light);font-weight:500}
  .cta-strip p{margin:10px 0 0;color:rgba(255,255,255,.78);font-family:var(--serif);font-size:1.15rem;position:relative}
  .cta-strip .cta-actions{display:flex;gap:14px;flex-wrap:wrap;position:relative}

  /* FOOTER */
  footer{background:var(--navy-deep);color:rgba(255,255,255,.7);padding:80px 0 36px;margin-top:0;position:relative;overflow:hidden}
  footer::before{content:"";position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent);opacity:.5}
  footer .f-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:50px}
  footer h4{color:#fff;font-family:var(--display);margin-bottom:18px;font-size:1.12rem;font-weight:700}
  footer a{color:rgba(255,255,255,.7)}
  footer a:hover{color:var(--gold-light)}
  footer ul{list-style:none;padding:0;margin:0}
  footer li{padding:6px 0;font-size:.93rem;font-family:var(--sans)}
  .footer-brand{display:flex;align-items:center;gap:16px;margin-bottom:22px}
  .footer-brand .brand-mark{width:54px;height:54px;font-size:1.35rem}
  .footer-brand strong{color:#fff;font-size:1.3rem;font-family:var(--display);font-weight:800;letter-spacing:.04em}
  .footer-brand small{display:block;color:var(--gold-light);font-size:.7rem;letter-spacing:.24em;text-transform:uppercase;font-family:var(--sans);font-weight:500;margin-top:4px}
  .footer-tag{font-family:var(--serif);font-style:italic;font-size:1.08rem;color:rgba(255,255,255,.82);margin-bottom:16px;max-width:380px;line-height:1.6}
  .disclaimer{border-top:1px solid rgba(255,255,255,.10);margin-top:48px;padding-top:28px;font-size:.78rem;color:rgba(255,255,255,.5);line-height:1.7;font-family:var(--sans)}
  .equal-housing{display:flex;align-items:center;gap:16px;margin-top:18px;flex-wrap:wrap;color:rgba(255,255,255,.5)}
  .eh-mark{display:inline-grid;place-items:center;width:36px;height:36px;border:1px solid rgba(255,255,255,.3);border-radius:4px;font-weight:700;color:rgba(255,255,255,.5);font-size:.78rem;letter-spacing:.04em}

  /* RESPONSIVE */
  @media (max-width:1024px){
    .hero-grid{grid-template-columns:1fr;padding:36px 0 60px;gap:48px}
    .lived-grid{grid-template-columns:1fr;gap:48px}
    .lived-img{aspect-ratio:3/2;max-width:640px;margin:0 auto}
    .lived-pillars{grid-template-columns:1fr 1fr;gap:14px}
    .process-grid{grid-template-columns:1fr 1fr;gap:22px}
    .paths-grid{grid-template-columns:1fr;gap:18px}
    .why-grid{grid-template-columns:1fr}
    .about-grid{grid-template-columns:1fr;text-align:center;gap:48px}
    .about-photo .frame{max-width:340px}
    .credentials{margin-left:auto;margin-right:auto}
    footer .f-grid{grid-template-columns:1fr 1fr}
    .nav-links{display:none}
    .id-bar{font-size:.68rem;letter-spacing:.1em}
  }
  @media (max-width:680px){
    section{padding:80px 0}
    .container{padding:0 20px}
    .grid-2{grid-template-columns:1fr}
    .process-grid{grid-template-columns:1fr;gap:32px}
    .lived-pillars{grid-template-columns:1fr}
    .cta-strip{flex-direction:column;align-items:flex-start;padding:40px 28px}
    .nav-inner{padding:18px 20px}
    .nav-phone{display:none}
    footer .f-grid{grid-template-columns:1fr}
    .hero-meta{gap:18px}
    header.nav{top:64px}
  }

/* ============================================================
   REBUILD ADDITIONS — divorce-site-rebuild (2026-08)
   ============================================================ */

/* identity bar: second line for NMLS */
.id-bar .ib.ib-2{padding-top:4px;font-size:.68rem;color:rgba(255,255,255,.65);letter-spacing:.12em}

/* generic helpers */
.muted{color:var(--muted)}
.lead-serif{font-family:var(--serif);font-size:1.15rem;color:#3a4a60;line-height:1.8}
.note{font-size:.8rem;color:var(--muted);font-family:var(--sans);line-height:1.6;border-left:2px solid var(--gold);padding-left:12px;margin-top:18px}
.two-col{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:start}
.prose h3{margin-top:28px}
.prose p,.prose li{font-family:var(--serif);font-size:1.12rem;color:#3a4a60;line-height:1.75}
.prose ul{padding-left:20px;margin:0 0 1.1em}
.prose li{margin-bottom:6px}
.prose strong{color:var(--navy)}
.callout{background:var(--gold-soft);border-left:3px solid var(--gold);padding:18px 22px;border-radius:3px;margin:22px 0}
.callout p{margin:0;font-family:var(--serif);font-size:1.08rem;color:var(--navy);line-height:1.65}
.callout strong{display:block;font-family:var(--sans);font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-2);margin-bottom:6px}
.inline-cta{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap;align-items:center}

/* figure (SVG infographics) */
.fig{background:#fff;border:1px solid var(--line);border-radius:4px;padding:26px;box-shadow:var(--shadow)}
.fig svg{width:100%;height:auto;display:block}
.fig figcaption{font-size:.78rem;color:var(--muted);margin-top:14px;line-height:1.6;font-family:var(--sans)}
.fig-dark{background:var(--navy);border-color:rgba(255,255,255,.1)}
.fig-dark figcaption{color:rgba(255,255,255,.6)}

/* STATS BAND */
.stats{background:var(--navy);color:#fff;padding:80px 0}
.stats .eyebrow{color:var(--gold-light)}
.stats h2{color:#fff}
.stats .section-head p{color:rgba(255,255,255,.78)}
.stat-band{display:grid;grid-template-columns:repeat(6,1fr);gap:16px}
.stat{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-top:3px solid var(--gold);border-radius:4px;padding:24px 18px;text-align:center;display:flex;flex-direction:column;gap:8px}
.stat .num{font-family:var(--display);font-size:clamp(1.9rem,3vw,2.6rem);font-weight:800;color:var(--gold-light);line-height:1}
.stat .num small{font-size:.55em;font-weight:600}
.stat .lbl{font-family:var(--sans);font-size:.82rem;color:rgba(255,255,255,.85);line-height:1.45}
.stat .src{font-family:var(--sans);font-size:.64rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.45);margin-top:auto}
.stat svg{margin:0 auto 4px}
.stat-ca{grid-column:1/-1;display:grid;grid-template-columns:auto 1fr 1fr 1fr;gap:22px;align-items:center;text-align:left;background:rgba(212,167,58,.08);border-top-color:var(--gold-light)}
.stat-ca .num{font-size:1.4rem}
.stat-ca .lbl strong{color:var(--gold-light);display:block;font-family:var(--display);font-size:1.1rem;margin-bottom:2px}

/* REASONS */
.reasons{background:var(--paper)}
.reason-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:8px}
.reason{background:#fff;border:1px solid var(--line);border-radius:4px;padding:24px 22px;transition:all .3s ease;display:flex;flex-direction:column;gap:6px}
.reason:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--gold)}
.reason .n{font-family:var(--sans);font-size:.66rem;font-weight:700;letter-spacing:.22em;text-transform:uppercase;color:var(--gold-2)}
.reason h3{font-size:1.12rem;margin:0}
.reason p{font-family:var(--serif);font-size:1rem;color:#3a4a60;line-height:1.6;margin:0}
.reason .stat-line{font-family:var(--sans);font-size:.76rem;color:var(--muted);margin-top:auto;padding-top:8px;border-top:1px dashed var(--line)}
.bridge{max-width:820px;margin:48px auto;text-align:center;font-family:var(--serif);font-size:1.35rem;color:var(--navy);line-height:1.6;font-style:italic}
.sell-reasons{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.sell-reason{display:flex;flex-direction:column;gap:8px;background:var(--navy);color:#fff;border-radius:4px;padding:22px 20px;text-decoration:none;transition:all .3s ease;border:1px solid transparent}
.sell-reason:hover{background:var(--navy-3);border-color:var(--gold);transform:translateY(-3px);color:#fff}
.sell-reason .n{font-family:var(--display);font-size:1.6rem;font-weight:800;color:var(--gold-light);line-height:1}
.sell-reason strong{font-family:var(--display);font-size:1.05rem;line-height:1.3;font-weight:700}
.sell-reason span{font-family:var(--sans);font-size:.74rem;color:var(--gold-light);letter-spacing:.08em;text-transform:uppercase;margin-top:auto}

/* PATH tax note */
.path .taxnote{margin-top:14px;padding-top:12px;border-top:1px dashed var(--line);font-family:var(--sans);font-size:.82rem;color:var(--muted);line-height:1.5}
.path .taxnote strong{color:var(--navy);font-size:.66rem;letter-spacing:.16em;text-transform:uppercase;display:block;margin-bottom:3px}

/* CAPITAL GAINS / PROP 13 / MORTGAGE — light editorial sections */
.edu{background:#fff;border-top:1px solid var(--line)}
.edu-alt{background:linear-gradient(180deg,var(--paper),var(--sand))}
.edu .two-col{margin-top:10px}
.edu-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:32px}
.edu-card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--gold);border-radius:4px;padding:24px 22px}
.edu-card h3{font-size:1.12rem;margin:0 0 8px}
.edu-card p{font-family:var(--serif);font-size:1.02rem;color:#3a4a60;line-height:1.6;margin:0}
.edu-card .k{font-family:var(--sans);font-size:.66rem;font-weight:700;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-2);display:block;margin-bottom:6px}

/* MORTGAGE section */
.mortgage{background:var(--navy);color:#fff}
.mortgage .eyebrow{color:var(--gold-light)}
.mortgage h2,.mortgage h3,.mortgage h4{color:#fff}
.mortgage .section-head p{color:rgba(255,255,255,.78)}
.mortgage .prose p,.mortgage .prose li{color:rgba(255,255,255,.85)}
.mortgage .prose strong{color:var(--gold-light)}
.nmls-badge{display:inline-flex;flex-wrap:wrap;gap:10px 22px;align-items:center;background:rgba(255,255,255,.06);border:1px solid rgba(212,167,58,.4);border-radius:4px;padding:14px 22px;font-family:var(--sans);font-size:.82rem;letter-spacing:.06em;margin:0 auto 48px}
.nmls-badge strong{color:var(--gold-light);font-weight:700}
.sub-block{padding:56px 0;border-top:1px solid rgba(255,255,255,.1)}
.sub-block .k{font-family:var(--sans);font-size:.7rem;font-weight:700;letter-spacing:.24em;text-transform:uppercase;color:var(--gold-light);display:block;margin-bottom:10px}
.sub-block h3{font-size:clamp(1.5rem,2.6vw,2rem);margin-bottom:18px}
.mortgage .fig{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.1);box-shadow:none}
.mortgage .fig figcaption{color:rgba(255,255,255,.55)}
.mortgage .callout{background:rgba(212,167,58,.1);border-left-color:var(--gold-light)}
.mortgage .callout p{color:#fff}
.checklist{list-style:none;padding:0;margin:0}
.checklist li{padding:8px 0 8px 30px;position:relative;font-family:var(--sans);font-size:.96rem;line-height:1.55}
.checklist li::before{content:"";position:absolute;left:0;top:13px;width:16px;height:16px;border:1.5px solid var(--gold);border-radius:3px}
.checklist li::after{content:"";position:absolute;left:5px;top:15px;width:5px;height:9px;border:solid var(--gold);border-width:0 2px 2px 0;transform:rotate(45deg)}
.wait-table{width:100%;border-collapse:collapse;font-family:var(--sans);font-size:.9rem;margin:22px 0}
.wait-table th,.wait-table td{padding:13px 14px;text-align:left;border-bottom:1px solid rgba(255,255,255,.12);vertical-align:top;line-height:1.45}
.wait-table th{font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-light);font-weight:700}
.wait-table tr.hl td{background:rgba(212,167,58,.1);font-weight:600}
.wait-table td:first-child{font-weight:600;color:#fff}
.table-wrap{overflow-x:auto}
.edu .wait-table th{color:var(--gold-2)}
.edu .wait-table th,.edu .wait-table td{border-bottom-color:var(--line)}
.edu .wait-table td:first-child{color:var(--navy)}
.edu .wait-table tr.hl td{background:var(--gold-soft)}
.nonqm{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:18px}
.nq{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:4px;padding:20px 18px}
.nq strong{display:block;font-family:var(--display);font-size:1.05rem;color:#fff;margin-bottom:6px}
.nq em{display:block;font-family:var(--sans);font-style:normal;font-size:.66rem;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-light);margin-bottom:8px}
.nq p{font-family:var(--sans);font-size:.86rem;color:rgba(255,255,255,.8);margin:0;line-height:1.55}
.lend-disc{font-family:var(--sans);font-size:.76rem;color:rgba(255,255,255,.55);line-height:1.65;border-top:1px solid rgba(255,255,255,.1);padding-top:22px;margin-top:40px}
.lend-disc a{color:var(--gold-light)}

/* FAQ */
.faq{background:var(--paper)}
.faq-list{max-width:860px;margin:0 auto}
.faq-item{border-bottom:1px solid var(--line)}
.faq-item summary{cursor:pointer;list-style:none;padding:22px 44px 22px 0;font-family:var(--display);font-size:1.22rem;font-weight:700;color:var(--navy);position:relative;line-height:1.35}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:4px;top:18px;font-family:var(--sans);font-weight:300;font-size:1.6rem;color:var(--gold-2);transition:transform .2s}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item .a{padding:0 0 24px;font-family:var(--serif);font-size:1.1rem;color:#3a4a60;line-height:1.75}

/* PARTNERS */
.partners{background:#fff;border-top:1px solid var(--line)}
.partner-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.partner{background:var(--paper);border-left:3px solid var(--gold);padding:24px 22px;border-radius:3px}
.partner h3{font-size:1.1rem;margin:0 0 6px}
.partner p{font-family:var(--serif);font-size:1rem;color:#3a4a60;line-height:1.6;margin:0}

/* SPOKE pages */
.spoke-hero{background:linear-gradient(135deg,#0b1f3a 0%,#102a4d 50%,#1a3a5e 100%);color:#fff;padding:170px 0 70px;position:relative}
.spoke-hero .eyebrow{color:var(--gold-light)}
.spoke-hero h1{color:#fff;font-size:clamp(2rem,4.6vw,3.4rem);max-width:900px}
.spoke-hero p{font-family:var(--serif);font-size:1.25rem;color:rgba(255,255,255,.85);max-width:720px;line-height:1.7}
.crumbs{font-family:var(--sans);font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.6);margin-bottom:18px}
.crumbs a{color:rgba(255,255,255,.75)}
.crumbs span{margin:0 8px;color:var(--gold)}
.spoke-body{padding:80px 0}
.spoke-grid{display:grid;grid-template-columns:1fr 360px;gap:64px;align-items:start}
.spoke-side{position:sticky;top:100px}
.spoke-side .lead-card{padding:26px}
.siblings{margin-top:24px;background:var(--paper);border:1px solid var(--line);border-radius:4px;padding:20px 22px}
.siblings h4{font-family:var(--sans);font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-2);margin:0 0 10px}
.siblings a{display:block;padding:7px 0;border-bottom:1px dashed var(--line);font-family:var(--sans);font-size:.92rem;color:var(--navy);font-weight:500}
.siblings a:last-child{border:0}
.spoke-body .prose h2{font-size:clamp(1.6rem,3vw,2.2rem);margin-top:48px}
.spoke-body .prose h2:first-child{margin-top:0}
.spoke-body .fig{margin:28px 0}
.updated{font-family:var(--sans);font-size:.74rem;color:var(--muted);letter-spacing:.08em;text-transform:uppercase;margin-top:40px;padding-top:18px;border-top:1px solid var(--line)}

/* responsive additions */
@media (max-width:1024px){
  .stat-band{grid-template-columns:repeat(3,1fr)}
  .stat-ca{grid-template-columns:1fr 1fr}
  .reason-grid{grid-template-columns:1fr 1fr}
  .sell-reasons{grid-template-columns:1fr 1fr 1fr}
  .two-col{grid-template-columns:1fr;gap:36px}
  .edu-cards{grid-template-columns:1fr}
  .nonqm{grid-template-columns:1fr 1fr}
  .partner-grid{grid-template-columns:1fr 1fr}
  .spoke-grid{grid-template-columns:1fr}
  .spoke-side{position:static}
}
@media (max-width:680px){
  .stat-band{grid-template-columns:1fr 1fr;gap:12px}
  .stat-ca{grid-template-columns:1fr}
  .reason-grid{grid-template-columns:1fr}
  .sell-reasons{grid-template-columns:1fr}
  .nonqm{grid-template-columns:1fr}
  .partner-grid{grid-template-columns:1fr}
  .spoke-hero{padding:150px 0 56px}
  .stats{padding:64px 0}
}

/* a11y pass */
.eyebrow,.callout strong,.siblings h4,.edu-card .k,.sub-block .k,.path .path-num,.reason .n,.cred .top,.stat .src,.lead-card .sub,.field .hint,.fig figcaption,.path .taxnote strong{color:var(--gold-text)}
.stats .stat .src{color:rgba(255,255,255,.72)}
.process .eyebrow,.stats .eyebrow,.mortgage .eyebrow,.spoke-hero .eyebrow,.mortgage .sub-block .k,.mortgage .callout strong,.mortgage .edu-card .k,.mortgage .fig figcaption{color:var(--gold-light)}
.prose a,.taxnote a,.disclaimer a,.callout a,.legal-mini a,.cred .bot a,.note a{text-decoration:underline;text-underline-offset:2px}
.inline-cta a:not(.btn){color:var(--navy);text-decoration:underline}
.lead-card h2{margin:0 0 4px;color:var(--navy);font-family:var(--display);font-size:1.55rem;font-weight:700}
.lp h3{font-family:var(--display);font-size:1.05rem;color:var(--navy);font-weight:700;margin:0 0 4px}
footer h3{color:#fff;font-family:var(--display);margin-bottom:18px;font-size:1.12rem;font-weight:700}
.stats .note{color:rgba(255,255,255,.72)!important}
.path .path-summary,.path .best,.callout strong,.edu .wait-table th,.prose a,.prose li a{color:var(--gold-text)}
.path .best{color:var(--navy)}
.lend-disc a{text-decoration:underline}
.siblings h3{font-family:var(--sans);font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:var(--gold-text);margin:0 0 10px}
.callout p strong{color:var(--navy)}
.mortgage .callout p strong{color:#fff}
.spoke-body .wait-table th{color:var(--gold-text)}
.spoke-body .wait-table th,.spoke-body .wait-table td{border-bottom-color:var(--line)}
.spoke-body .wait-table td:first-child{color:var(--navy)}
.spoke-body .wait-table tr.hl td{background:var(--gold-soft)}
.prose a.btn,.inline-cta a.btn{text-decoration:none}.prose a.btn-navy,.inline-cta a.btn-navy{color:#fff}.prose a.btn-gold,.inline-cta a.btn-gold{color:var(--navy)}
.about-text .tag{color:var(--gold-text)}.cred .bot a{color:var(--gold-text);text-decoration:underline}
header.nav{top:54px}.hero-pill{font-size:.66rem;letter-spacing:.14em;text-align:left;line-height:1.4}@media (max-width:680px){header.nav{top:92px}.hero{padding-top:170px}}
.callout p strong{display:inline;font-family:inherit;font-size:inherit;letter-spacing:0;text-transform:none;margin:0}
.nav-links{gap:18px}.nav-links a,.nav-phone{white-space:nowrap;font-size:.8rem}@media (max-width:1180px){.nav-links{display:none}}

.id-bar .ib{gap:8px 14px}
@media (max-width:680px){.id-bar{padding:7px 0}.id-bar .ib{font-size:.62rem;letter-spacing:.08em;line-height:1.4}.id-bar .sep{display:none}.id-bar .ib span{display:inline-block;padding:0 4px}.hero{padding-top:200px}}
.fig-scroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
.fig-scroll svg{min-width:720px}
@media (max-width:680px){.brand-text{font-size:1rem}.brand-mark{width:40px;height:40px;font-size:.95rem}}

/* photos */
.hero-photo{background:linear-gradient(135deg,rgba(11,31,58,.93) 0%,rgba(16,42,77,.86) 50%,rgba(26,58,94,.82) 100%),url('/hero-next-chapter.jpg') center/cover no-repeat}
picture{display:block}
.photo-wide{margin:0 0 32px;border-radius:6px;overflow:hidden;box-shadow:var(--shadow-lg);background:var(--paper)}
.photo-wide img{width:100%;height:auto;display:block;aspect-ratio:4/3;object-fit:cover}
.photo-wide figcaption{font-family:var(--serif);font-style:italic;font-size:1.02rem;color:var(--muted);padding:12px 18px;background:#fff;border-top:1px solid var(--line)}
.partners .photo-wide{margin-top:40px;max-width:900px;margin-left:auto;margin-right:auto}
.partners .photo-wide img{aspect-ratio:16/10}
.photo-inline{border-radius:4px;overflow:hidden;margin-bottom:22px;border:1px solid rgba(255,255,255,.12)}
.photo-inline img{width:100%;height:auto;display:block;aspect-ratio:16/10;object-fit:cover}
.edu-card-img{padding-top:0;overflow:hidden}
.edu-card-img img{height:auto;display:block;aspect-ratio:16/9;object-fit:cover;margin:0 -22px 18px;width:calc(100% + 44px)}
.ending{padding:0 0 90px;background:#fff}
.ending-fig{margin:0;border-radius:6px;overflow:hidden;box-shadow:var(--shadow-lg);position:relative}
.ending-fig img{width:100%;height:auto;display:block;aspect-ratio:3/2;object-fit:cover}
.ending-fig figcaption{position:absolute;left:0;right:0;bottom:0;padding:28px 36px;background:linear-gradient(180deg,transparent,rgba(11,31,58,.85));color:#fff;font-family:var(--serif);font-style:italic;font-size:clamp(1.1rem,2vw,1.5rem)}
.ending-inline{margin-top:48px}
.ending-inline img{aspect-ratio:3/2}
@media (max-width:680px){.ending-fig figcaption{position:static;background:var(--navy);font-size:1rem;padding:16px 18px}}