/* ===========================================================
   DACO LENDING GROUP — Intelligent Mortgage Strategy
   Editorial, premium, APM-anchored
   =========================================================== */

:root {
  /* APM-anchored palette */
  --navy-deep:    #01182a;
  --navy:         #002744;
  --navy-mid:     #003c66;
  --navy-bright:  #005a7c;
  --gold:         #fdb515;
  --gold-soft:    #ffdd7f;
  --gold-deep:    #c08a05;
  --charcoal:     #1c2128;
  --ink:          #20242b;
  --slate:        #5a6371;
  --muted:        #8a929d;
  --line:         #e6e3dc;
  --line-soft:    #efece6;
  --cream:        #faf7f0;
  --cream-2:      #f4efe5;
  --white:        #ffffff;

  --shadow-sm: 0 1px 2px rgba(1, 24, 42, 0.06), 0 2px 6px rgba(1, 24, 42, 0.04);
  --shadow-md: 0 6px 18px rgba(1, 24, 42, 0.08), 0 2px 6px rgba(1, 24, 42, 0.04);
  --shadow-lg: 0 18px 48px rgba(1, 24, 42, 0.14);

  --font-display: 'Fraunces', Georgia, 'Times New Roman', serif;
  --font-body: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;

  --radius: 4px;
  --radius-lg: 10px;

  --container-max: 1280px;
  --gutter: clamp(20px, 4vw, 56px);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  overflow-x: hidden;
}

img { max-width: 100%; display: block; }
a { color: var(--navy-bright); text-decoration: none; }
a:hover { color: var(--navy); }

.container {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

/* =========================================================
   ANNOUNCEMENT BAR
   ========================================================= */
.announce {
  background: var(--navy-deep);
  color: #e7d9b3;
  font-size: 13px;
  letter-spacing: 0.02em;
}
.announce-inner {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 9px var(--gutter);
  display: flex;
  flex-wrap: wrap;
  gap: 12px 18px;
  align-items: center;
  justify-content: center;
}
.announce-label {
  font-family: var(--font-display);
  font-weight: 600;
  color: var(--gold);
  text-transform: uppercase;
  letter-spacing: 0.18em;
  font-size: 11px;
}
.announce-text { color: #cdbf99; }
.announce-link {
  color: var(--gold-soft);
  font-weight: 500;
  border-bottom: 1px solid rgba(253, 181, 21, 0.4);
  padding-bottom: 1px;
}
.announce-link:hover { color: var(--white); border-color: var(--white); }

/* =========================================================
   NAV
   ========================================================= */
.nav {
  position: sticky;
  top: 0;
  z-index: 60;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: saturate(150%) blur(14px);
  -webkit-backdrop-filter: saturate(150%) blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav-inner {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 14px var(--gutter);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--ink);
}
.brand-mark img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: contain;
}
.brand-mark {
  width: 56px;
  height: 48px;
  display: grid;
  place-items: center;
  background: transparent;
}
.brand-stack { display: flex; flex-direction: column; line-height: 1.15; }
.brand-name {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 19px;
  color: var(--navy-deep);
  letter-spacing: -0.005em;
  line-height: 1.1;
}
.brand-sub {
  margin-top: 4px;
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  line-height: 1.25;
  gap: 1px;
}
.brand-sub .lbd {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 600;
  color: var(--gold-deep);
  font-size: 13px;
  letter-spacing: 0;
}
.brand-sub .apm {
  text-transform: uppercase;
  letter-spacing: 0.14em;
  font-size: 9.5px;
  font-weight: 600;
  color: var(--slate);
}
.brand-sub .dot { display: none; }
.brand-name { white-space: nowrap; }
.brand-sub { white-space: nowrap; }
.nav-links {
  display: flex;
  align-items: center;
  gap: 28px;
}
.nav-links a {
  color: var(--ink);
  font-size: 14.5px;
  font-weight: 500;
  letter-spacing: 0.01em;
  position: relative;
  white-space: nowrap;
}
.nav-links a::after {
  content: '';
  position: absolute;
  left: 0; right: 0; bottom: -6px;
  height: 1.5px;
  background: var(--gold);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform 0.25s ease;
}
.nav-links a:hover::after { transform: scaleX(1); }
.nav-cta {
  background: var(--navy);
  color: var(--white) !important;
  padding: 10px 22px;
  border-radius: 2px;
  border: 1px solid var(--navy);
  transition: background 0.2s ease, color 0.2s ease;
  white-space: nowrap;
  letter-spacing: 0.02em;
}
.nav-cta:hover { background: var(--gold); color: var(--navy-deep) !important; border-color: var(--gold); }
.nav-cta::after { display: none !important; }

.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--line);
  width: 44px;
  height: 44px;
  border-radius: 2px;
  cursor: pointer;
  padding: 0;
  flex-direction: column;
  justify-content: center;
  align-items: center;
  gap: 4px;
}
.nav-toggle span {
  width: 22px;
  height: 1.6px;
  background: var(--navy);
  display: block;
}

/* =========================================================
   HERO
   ========================================================= */
.hero {
  background: var(--cream);
  border-bottom: 1px solid var(--line);
  position: relative;
  overflow: hidden;
}
.hero::before {
  content: '';
  position: absolute;
  top: 0; right: 0; bottom: 0;
  width: 50%;
  background: linear-gradient(180deg, var(--cream-2), var(--cream));
  z-index: 0;
}
.hero-grid {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: clamp(48px, 8vw, 100px) var(--gutter) clamp(40px, 7vw, 96px);
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: clamp(28px, 5vw, 80px);
  align-items: center;
  position: relative;
  z-index: 1;
}
.hero-eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-size: 12px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--navy);
  font-weight: 600;
  margin-bottom: 28px;
}
.eyebrow-dot {
  width: 7px; height: 7px;
  background: var(--gold);
  border-radius: 50%;
  display: inline-block;
}
.hero-title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(46px, 7vw, 96px);
  line-height: 0.98;
  color: var(--navy-deep);
  margin: 0 0 28px;
  letter-spacing: -0.025em;
  font-variation-settings: 'opsz' 144;
}
.hero-italic {
  font-style: italic;
  color: var(--navy-mid);
  font-weight: 400;
}
.hero-sub {
  font-size: clamp(16px, 1.4vw, 19px);
  color: var(--slate);
  max-width: 540px;
  margin: 0 0 36px;
  line-height: 1.55;
}
.hero-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 22px;
}
.hero-socials {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin-bottom: 44px;
}
.hero-socials__label {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--slate);
  margin-right: 4px;
}
@media (max-width: 720px) {
  .hero-socials { margin-bottom: 34px; gap: 8px; }
  .hero-socials__label { width: 100%; margin-bottom: 4px; margin-right: 0; }
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-body);
  font-size: 14.5px;
  font-weight: 600;
  letter-spacing: 0.04em;
  padding: 14px 26px;
  border-radius: 2px;
  cursor: pointer;
  border: 1px solid transparent;
  transition: all 0.25s ease;
  text-transform: uppercase;
}
.btn-primary {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.btn-primary:hover {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
}
.btn-ghost {
  background: transparent;
  color: var(--navy-deep);
  border-color: var(--navy-deep);
}
.btn-ghost:hover {
  background: var(--navy-deep);
  color: var(--white);
}

.hero-stats {
  list-style: none;
  margin: 0;
  padding: 24px 0 0;
  border-top: 1px solid var(--line);
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
}
.hero-stats li {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.stat-num {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: clamp(26px, 2.5vw, 34px);
  color: var(--navy-deep);
  letter-spacing: -0.01em;
}
.stat-lbl {
  font-size: 11.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--slate);
}

.hero-portrait {
  position: relative;
  align-self: stretch;
  display: flex;
  align-items: center;
}
.hero-portrait img {
  width: 100%;
  height: auto;
  aspect-ratio: 1600 / 1195;
  object-fit: cover;
  display: block;
  border-radius: 2px;
  box-shadow: var(--shadow-lg);
}
.hero-card {
  position: absolute;
  bottom: -28px;
  left: -28px;
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-md);
  padding: 18px 22px;
  display: flex;
  flex-direction: column;
  gap: 8px;
  min-width: 260px;
}
.hero-card-row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  gap: 16px;
  font-size: 13.5px;
}
.hero-card-label {
  color: var(--slate);
  letter-spacing: 0.16em;
  font-size: 11px;
  text-transform: uppercase;
  font-weight: 600;
}
.hero-card-value {
  color: var(--navy-deep);
  font-weight: 600;
  font-family: var(--font-display);
}
.hero-card-value.link { color: var(--navy-bright); }
.hero-card-value.link:hover { color: var(--gold-deep); }

/* =========================================================
   TICKER
   ========================================================= */
.ticker-section {
  background: var(--navy-deep);
  color: var(--cream);
  border-bottom: 1px solid #0a2238;
}
.ticker {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 14px var(--gutter);
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: center;
  gap: 8px 0;
}
.ticker-item {
  background: transparent;
  border: none;
  color: var(--cream);
  font-family: var(--font-body);
  padding: 6px 22px;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
  cursor: pointer;
  transition: color 0.2s ease;
}
.ticker-item:hover { color: var(--gold); }
.ti-label {
  font-size: 10.5px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 600;
}
.ti-value {
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.01em;
}
.ticker-sep {
  width: 1px;
  height: 28px;
  background: rgba(253, 181, 21, 0.18);
  align-self: center;
}

/* =========================================================
   SECTION HEAD UTIL
   ========================================================= */
.section-head {
  max-width: 780px;
  margin: 0 auto clamp(40px, 5vw, 64px);
  text-align: center;
}
.section-head.light { color: var(--cream); }
.section-head.light .section-title,
.section-head.light .section-eyebrow {
  color: inherit;
}
.section-head.light .section-eyebrow { color: var(--gold); }
.section-head.light .section-title em { color: var(--gold-soft); }

.section-eyebrow {
  display: inline-block;
  font-size: 11.5px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--navy-bright);
  font-weight: 700;
  margin-bottom: 18px;
}
.section-title {
  font-family: var(--font-display);
  font-weight: 500;
  font-size: clamp(32px, 4.6vw, 54px);
  line-height: 1.04;
  color: var(--navy-deep);
  margin: 0 0 22px;
  letter-spacing: -0.02em;
}
.section-title em {
  font-style: italic;
  font-weight: 400;
  color: var(--navy-mid);
}
.section-lede {
  font-size: clamp(15.5px, 1.2vw, 17.5px);
  color: var(--slate);
  margin: 0;
  line-height: 1.6;
}

/* =========================================================
   STRATEGY
   ========================================================= */
.strategy {
  padding: clamp(72px, 9vw, 128px) 0;
  background: var(--white);
}
.pillars {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid var(--line);
  border-left: 1px solid var(--line);
}
.pillar {
  padding: 36px 28px;
  border-right: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  background: var(--white);
  transition: background 0.3s ease;
}
.pillar:hover { background: var(--cream); }
.pillar-num {
  font-family: var(--font-display);
  font-weight: 500;
  font-style: italic;
  font-size: 20px;
  color: var(--gold-deep);
  display: block;
  margin-bottom: 22px;
}
.pillar h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 22px;
  margin: 0 0 12px;
  color: var(--navy-deep);
  letter-spacing: -0.01em;
}
.pillar p {
  margin: 0;
  color: var(--slate);
  font-size: 15px;
  line-height: 1.6;
}

/* =========================================================
   PROGRAMS
   ========================================================= */
.programs {
  padding: clamp(72px, 9vw, 128px) 0;
  background: var(--cream);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.program-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 14px;
}
.program-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 28px 24px 26px;
  text-align: left;
  cursor: pointer;
  font-family: var(--font-body);
  position: relative;
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.program-card:hover {
  transform: translateY(-3px);
  box-shadow: var(--shadow-md);
  border-color: var(--navy);
}
.pc-num {
  font-family: var(--font-display);
  font-weight: 500;
  font-style: italic;
  font-size: 14px;
  color: var(--gold-deep);
  letter-spacing: 0.02em;
}
.program-card h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 21px;
  margin: 12px 0 8px;
  color: var(--navy-deep);
  letter-spacing: -0.01em;
}
.program-card p {
  margin: 0;
  color: var(--slate);
  font-size: 13.5px;
  line-height: 1.55;
}
.program-card-feature {
  background: var(--navy-deep);
  border-color: var(--navy-deep);
  color: var(--cream);
}
.program-card-feature:hover { border-color: var(--gold); }
.program-card-feature .pc-num { color: var(--gold); }
.program-card-feature h3 { color: var(--white); }
.program-card-feature p { color: #c8d2dc; }
.pc-feature-tag {
  position: absolute;
  top: 14px;
  right: 14px;
  background: var(--gold);
  color: var(--navy-deep);
  font-size: 9.5px;
  letter-spacing: 0.16em;
  font-weight: 700;
  padding: 4px 8px;
  text-transform: uppercase;
  border-radius: 3px;
}
/* On narrow viewports the card is too tight to hold the number and the
   "Strategy Loans" badge side-by-side, so move the badge below the copy. */
@media (max-width: 720px) {
  .program-card-feature { padding-bottom: 56px; }
  .program-card-feature .pc-feature-tag {
    top: auto;
    right: auto;
    left: 24px;
    bottom: 18px;
    display: inline-block;
  }
}

/* =========================================================
   PROCESS
   ========================================================= */
.process {
  padding: clamp(72px, 9vw, 128px) 0;
  background: var(--navy-deep);
  color: var(--cream);
}
.process-steps {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-left: 1px solid rgba(253, 181, 21, 0.18);
}
.process-steps li {
  padding: 32px 28px;
  border-right: 1px solid rgba(253, 181, 21, 0.18);
  position: relative;
}
.ps-step {
  display: block;
  font-size: 11px;
  letter-spacing: 0.24em;
  text-transform: uppercase;
  color: var(--gold);
  font-weight: 700;
  margin-bottom: 24px;
}
.process-steps h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 26px;
  margin: 0 0 12px;
  color: var(--white);
  letter-spacing: -0.01em;
}
.process-steps p {
  margin: 0;
  color: #c8d2dc;
  font-size: 14.5px;
  line-height: 1.6;
}

/* =========================================================
   ABOUT
   ========================================================= */
.about {
  padding: clamp(72px, 9vw, 128px) 0;
  background: var(--white);
}
.about-grid {
  display: grid;
  grid-template-columns: 0.85fr 1fr;
  gap: clamp(32px, 5vw, 80px);
  align-items: start;
}
.about-photo {
  position: relative;
}
.about-photo img {
  width: 100%;
  height: auto;
  aspect-ratio: 896 / 1200;
  object-fit: cover;
  display: block;
  border-radius: 2px;
  box-shadow: var(--shadow-lg);
}
.about-photo-tag {
  position: absolute;
  bottom: 20px;
  left: 20px;
  background: var(--white);
  border: 1px solid var(--line);
  box-shadow: var(--shadow-sm);
  padding: 12px 16px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--navy-deep);
  font-weight: 600;
}
.about-copy .section-title { margin-top: 0; }
.about-lede {
  color: var(--slate);
  font-size: 16px;
  line-height: 1.7;
  margin: 0 0 18px;
}
.about-facts {
  list-style: none;
  padding: 20px 0 0;
  margin: 24px 0 30px;
  border-top: 1px solid var(--line);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px 24px;
}
.about-facts li {
  display: flex;
  flex-direction: column;
  gap: 2px;
  font-size: 14px;
}
.af-k {
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--slate);
  font-weight: 600;
}
.af-v {
  color: var(--navy-deep);
  font-weight: 500;
}
.about-ctas {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

/* =========================================================
   TESTIMONIALS
   ========================================================= */
.testimonials {
  padding: clamp(72px, 9vw, 128px) 0;
  background: var(--cream);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.t-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.t-card {
  background: var(--white);
  border: 1px solid var(--line);
  padding: 32px 28px;
  margin: 0;
  position: relative;
}
.t-card::before {
  content: '"';
  position: absolute;
  top: 14px;
  left: 22px;
  font-family: var(--font-display);
  font-size: 80px;
  line-height: 1;
  color: var(--gold);
  opacity: 0.5;
}
.t-card blockquote {
  margin: 0 0 22px;
  padding-top: 18px;
  font-family: var(--font-display);
  font-weight: 400;
  font-size: 18.5px;
  line-height: 1.45;
  color: var(--navy-deep);
  letter-spacing: -0.005em;
  font-style: italic;
}
.t-card figcaption {
  display: flex;
  flex-direction: column;
  gap: 2px;
  padding-top: 16px;
  border-top: 1px solid var(--line);
}
.t-card figcaption strong {
  color: var(--navy-deep);
  font-weight: 600;
  font-size: 14px;
  letter-spacing: 0.01em;
}
.t-card figcaption span {
  color: var(--slate);
  font-size: 12px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
}

/* =========================================================
   CONTACT
   ========================================================= */
.contact {
  padding: clamp(72px, 9vw, 128px) 0;
  background: var(--white);
}
.contact-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(32px, 5vw, 80px);
  align-items: start;
}
.contact-copy .section-title { margin-top: 0; }
.contact-lede {
  color: var(--slate);
  font-size: 16px;
  line-height: 1.7;
  margin: 0 0 32px;
}
.contact-lines {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 16px;
}
.contact-lines li {
  display: grid;
  grid-template-columns: 90px 1fr;
  gap: 16px;
  padding-bottom: 16px;
  border-bottom: 1px solid var(--line);
}
.contact-lines li > span:first-child {
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--slate);
  font-weight: 700;
  padding-top: 2px;
}
.contact-lines li a,
.contact-lines li > span:nth-child(2) {
  color: var(--navy-deep);
  font-weight: 500;
  font-size: 15.5px;
  line-height: 1.5;
}
.contact-lines li a:hover { color: var(--gold-deep); }

.contact-form {
  background: var(--cream);
  border: 1px solid var(--line);
  padding: 36px 32px;
  display: flex;
  flex-direction: column;
  gap: 16px;
  border-radius: 2px;
}
.cf-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 16px;
}
.cf-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.cf-field > span {
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--slate);
  font-weight: 700;
}
.cf-field input,
.cf-field select,
.cf-field textarea {
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--navy-deep);
  background: var(--white);
  border: 1px solid var(--line);
  padding: 12px 14px;
  border-radius: 2px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
  width: 100%;
}
.cf-field input:focus,
.cf-field select:focus,
.cf-field textarea:focus {
  outline: none;
  border-color: var(--navy);
  box-shadow: 0 0 0 3px rgba(0, 39, 68, 0.08);
}
.cf-submit {
  margin-top: 8px;
  align-self: flex-start;
  padding: 15px 30px;
}
.cf-fine {
  font-size: 12px;
  color: var(--slate);
  margin: 4px 0 0;
}

/* =========================================================
   TRUST / COMPLIANCE BADGES STRIP
   ========================================================= */
.trust-badges {
  background: var(--cream);
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  padding: 32px 0;
}
.tb-inner {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 18px 14px;
  align-items: center;
}
.tb-item {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--navy-deep);
}
.tb-item svg {
  width: 30px;
  height: 30px;
  flex-shrink: 0;
  color: var(--gold-deep);
}
.tb-item strong {
  display: block;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 13.5px;
  letter-spacing: -0.005em;
  color: var(--navy-deep);
  line-height: 1.2;
}
.tb-item span {
  display: block;
  font-size: 10.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--slate);
  font-weight: 600;
  margin-top: 3px;
}

/* =========================================================
   FOOTER
   ========================================================= */
.site-footer {
  background: var(--navy-deep);
  color: #b5bfca;
  padding: clamp(64px, 7vw, 96px) 0 32px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(253, 181, 21, 0.18);
}
.footer-mark {
  width: 68px;
  height: 68px;
  background: var(--white);
  border-radius: 50%;
  display: grid;
  place-items: center;
  margin-bottom: 18px;
  box-shadow: 0 0 0 1px rgba(253, 181, 21, 0.35), 0 6px 18px rgba(0, 0, 0, 0.18);
  overflow: hidden;
}
.footer-mark img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.footer-name {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 22px;
  color: var(--white);
  letter-spacing: -0.01em;
}
.footer-sub {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 14px;
  color: var(--gold-soft);
  margin-top: 4px;
}
.footer-byline {
  margin: 14px 0 22px;
  display: flex;
  flex-direction: column;
  gap: 3px;
  line-height: 1.3;
}
.footer-byline .fb-lbd {
  font-family: var(--font-display);
  font-style: italic;
  font-weight: 600;
  color: var(--gold-soft);
  font-size: 16px;
  letter-spacing: 0;
}
.footer-byline .fb-apm {
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-size: 11px;
  font-weight: 600;
  color: #8a98a6;
}
.footer-socials {
  display: flex;
  gap: 10px;
}
.footer-socials a {
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  border: 1px solid rgba(253, 181, 21, 0.28);
  color: #cdbf99;
  border-radius: 50%;
  transition: all 0.2s ease;
}
.footer-socials a:hover {
  background: var(--gold);
  color: var(--navy-deep);
  border-color: var(--gold);
}
.footer-socials svg {
  width: 16px;
  height: 16px;
}

.licensing-list {
  display: flex;
  flex-direction: column;
  gap: 12px !important;
}
.licensing-list li {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.licensing-list strong {
  color: var(--gold-soft);
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 13.5px;
}
.licensing-list span {
  color: #d3dde7;
  font-size: 12.5px;
  letter-spacing: 0.04em;
}

/* EHO STRIP */
.eho-strip {
  margin-top: 40px;
  padding: 24px 28px;
  background: rgba(253, 181, 21, 0.06);
  border: 1px solid rgba(253, 181, 21, 0.18);
  border-radius: 2px;
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 22px;
  align-items: center;
}
.eho-mark {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 6px;
  color: var(--gold);
  min-width: 110px;
}
.eho-mark svg {
  width: 46px;
  height: 46px;
}
.eho-mark span {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 11.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-soft);
  text-align: center;
  line-height: 1.3;
}
.eho-text {
  margin: 0;
  font-size: 12px;
  line-height: 1.6;
  color: #9aa5b0;
  letter-spacing: 0.01em;
}

/* PARENT COMPANY STRIP — DLG Strategic Management, LLC */
.parent-strip {
  margin-top: 28px;
  padding: 22px 28px;
  display: flex;
  align-items: center;
  gap: 22px;
  border-top: 1px solid rgba(253, 181, 21, 0.18);
  border-bottom: 1px solid rgba(253, 181, 21, 0.18);
}
.parent-mark {
  flex: 0 0 auto;
  width: 56px;
  height: 56px;
  background: var(--white);
  border-radius: 50%;
  overflow: hidden;
  box-shadow: 0 0 0 1px rgba(253, 181, 21, 0.35);
}
.parent-mark img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}
.parent-text {
  display: flex;
  flex-direction: column;
  gap: 4px;
}
.parent-name {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 15px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--white);
}
.parent-pillars {
  font-size: 11.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--gold-soft);
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  align-items: center;
}
.parent-pillars .sep { color: rgba(253, 181, 21, 0.45); }
@media (max-width: 600px) {
  .parent-strip { padding: 18px 18px; gap: 16px; }
  .parent-mark { width: 48px; height: 48px; }
  .parent-name { font-size: 13px; letter-spacing: 0.06em; }
  .parent-pillars { font-size: 10.5px; letter-spacing: 0.12em; gap: 6px; }
}

.footer-col h4 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 14px;
  color: var(--gold);
  letter-spacing: 0.16em;
  text-transform: uppercase;
  margin: 0 0 16px;
}
.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  flex-direction: column;
  gap: 10px;
  font-size: 14px;
  line-height: 1.6;
}
.footer-col ul a { color: #d3dde7; }
.footer-col ul a:hover { color: var(--gold-soft); }

.legal {
  margin-top: 32px;
}
.legal {
  margin-top: 28px;
  padding-top: 24px;
  border-top: 1px solid rgba(253, 181, 21, 0.12);
}
.legal p {
  font-size: 11.5px;
  line-height: 1.7;
  color: #8a98a6;
  margin: 0 0 12px;
  letter-spacing: 0.01em;
}
.legal p strong { color: #b5bfca; font-weight: 600; }
.legal a {
  color: var(--gold-soft);
  text-decoration: underline;
  text-decoration-color: rgba(253, 181, 21, 0.4);
  text-underline-offset: 2px;
}
.legal a:hover { color: var(--gold); }
.legal .copy {
  color: #6e7c8a;
  margin-top: 16px;
}

/* =========================================================
   MODAL
   ========================================================= */
.modal,
.sheet {
  position: fixed;
  inset: 0;
  z-index: 100;
  display: none;
  align-items: center;
  justify-content: center;
  padding: 24px;
}
.modal.open,
.sheet.open { display: flex; }
.modal-backdrop,
.sheet-backdrop {
  position: absolute;
  inset: 0;
  background: rgba(1, 24, 42, 0.65);
  backdrop-filter: blur(4px);
}
.modal-panel,
.sheet-panel {
  position: relative;
  background: var(--white);
  max-width: 640px;
  width: 100%;
  max-height: 88vh;
  overflow-y: auto;
  border-radius: 2px;
  box-shadow: var(--shadow-lg);
  padding: 40px 36px 36px;
  border-top: 4px solid var(--gold);
}
.modal-close,
.sheet-close {
  position: absolute;
  top: 14px;
  right: 14px;
  background: transparent;
  border: none;
  font-size: 28px;
  line-height: 1;
  color: var(--slate);
  cursor: pointer;
  width: 36px;
  height: 36px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  transition: background 0.2s ease, color 0.2s ease;
}
.modal-close:hover,
.sheet-close:hover {
  background: var(--cream);
  color: var(--navy-deep);
}

.modal-content h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 30px;
  margin: 0 0 6px;
  color: var(--navy-deep);
  letter-spacing: -0.01em;
}
.modal-content .m-sub {
  color: var(--slate);
  font-size: 14px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  font-weight: 600;
  margin: 0 0 24px;
  display: block;
}
.modal-content .m-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 20px;
  margin: 0 0 24px;
  padding: 20px 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.modal-content .m-grid div {
  display: flex;
  flex-direction: column;
  gap: 2px;
}
.modal-content .m-grid strong {
  font-size: 10.5px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--slate);
  font-weight: 700;
}
.modal-content .m-grid span {
  font-size: 14.5px;
  color: var(--navy-deep);
  font-weight: 500;
}
.modal-content .m-highlights {
  margin: 0 0 24px;
  padding: 0;
  list-style: none;
  display: flex;
  flex-direction: column;
  gap: 8px;
}
.modal-content .m-highlights li {
  position: relative;
  padding-left: 22px;
  font-size: 14.5px;
  color: var(--ink);
  line-height: 1.5;
}
.modal-content .m-highlights li::before {
  content: '';
  position: absolute;
  left: 0; top: 9px;
  width: 10px; height: 2px;
  background: var(--gold);
}
.modal-content .m-note {
  background: var(--cream);
  border-left: 3px solid var(--gold);
  padding: 14px 16px;
  font-size: 14px;
  color: var(--navy-deep);
  line-height: 1.55;
  margin: 0 0 24px;
}
.modal-content .m-note strong {
  font-family: var(--font-display);
  font-weight: 600;
  display: block;
  margin-bottom: 4px;
  font-style: italic;
}
.modal-content .m-actions {
  display: flex;
  gap: 10px;
  flex-wrap: wrap;
}

/* Sheet (contact actions) */
.sheet-panel { max-width: 460px; padding: 36px 32px 32px; }
.sheet-content h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 24px;
  margin: 0 0 6px;
  color: var(--navy-deep);
}
.sheet-content p {
  color: var(--slate);
  font-size: 14px;
  margin: 0 0 24px;
}
.sheet-actions {
  display: grid;
  gap: 10px;
}
.sheet-actions a {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 16px 18px;
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: 2px;
  color: var(--navy-deep);
  font-weight: 500;
  font-size: 14.5px;
  transition: all 0.2s ease;
}
.sheet-actions a:hover {
  background: var(--navy);
  color: var(--white);
  border-color: var(--navy);
}
.sheet-actions .sa-label {
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--slate);
  font-weight: 700;
}
.sheet-actions a:hover .sa-label { color: var(--gold); }

/* =========================================================
   SKIP LINK (a11y)
   ========================================================= */
.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  background: var(--navy);
  color: var(--gold);
  padding: 10px 16px;
  text-decoration: none;
  font-weight: 600;
  border-radius: var(--radius);
  z-index: 9999;
  width: 1px;
  height: 1px;
  overflow: hidden;
}
.skip-link:focus {
  left: 8px;
  top: 8px;
  width: auto;
  height: auto;
  overflow: visible;
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

/* =========================================================
   AREAS WE SERVE (GEO)
   ========================================================= */
.areas {
  background: var(--cream);
  padding: clamp(72px, 9vw, 120px) 0;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
}
.areas-grid {
  margin-top: 56px;
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 28px;
}
.area-col {
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  padding: 28px 24px;
  box-shadow: var(--shadow-sm);
}
.area-col h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 18px;
  color: var(--navy-deep);
  margin: 0 0 14px;
  padding-bottom: 10px;
  border-bottom: 2px solid var(--gold);
  letter-spacing: -0.005em;
}
.area-col ul {
  list-style: none;
  margin: 0;
  padding: 0;
}
.area-col li {
  padding: 6px 0;
  color: var(--ink);
  font-size: 14.5px;
  border-bottom: 1px solid var(--line-soft);
}
.area-col li:last-child { border-bottom: none; }

/* STATE LICENSING CARDS */
.areas-states {
  margin-top: 40px;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
  max-width: 1100px;
  margin-left: auto;
  margin-right: auto;
}
.state-card {
  background: var(--navy-deep);
  color: var(--cream);
  border-radius: var(--radius-lg);
  padding: 22px 22px 20px;
  border: 1px solid var(--navy-mid);
  box-shadow: var(--shadow-md);
  position: relative;
  overflow: hidden;
}
.state-card::before {
  content: '';
  position: absolute;
  inset: 0;
  background: linear-gradient(135deg, transparent 60%, rgba(253, 181, 21, 0.06) 100%);
  pointer-events: none;
}
.state-head {
  display: flex;
  align-items: center;
  gap: 14px;
  margin-bottom: 14px;
}
.state-abbr {
  flex-shrink: 0;
  width: 48px;
  height: 48px;
  border-radius: 10px;
  background: var(--gold);
  color: var(--navy-deep);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-family: var(--font-display);
  font-weight: 700;
  font-size: 18px;
  letter-spacing: 0.02em;
  box-shadow: 0 4px 12px rgba(253, 181, 21, 0.25);
}
.state-head h3 {
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 18px;
  color: var(--cream);
  margin: 0 0 2px;
  letter-spacing: -0.005em;
}
.state-head p {
  margin: 0;
  font-size: 11.5px;
  color: var(--gold-soft);
  letter-spacing: 0.04em;
  text-transform: uppercase;
  font-weight: 500;
}
.state-cities {
  list-style: none;
  margin: 0;
  padding: 14px 0 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 6px 14px;
}
.state-cities li {
  font-size: 13px;
  color: rgba(250, 247, 240, 0.78);
  padding: 0;
}

/* =========================================================
   FAQ
   ========================================================= */
.faq {
  background: var(--white);
  padding: clamp(72px, 9vw, 120px) 0;
}
.faq-list {
  margin-top: 48px;
  max-width: 920px;
  margin-left: auto;
  margin-right: auto;
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.faq-item {
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: box-shadow 0.2s ease;
}
.faq-item[open] {
  box-shadow: var(--shadow-md);
  border-color: var(--gold);
}
.faq-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 20px 24px;
  cursor: pointer;
  list-style: none;
  font-family: var(--font-display);
  font-weight: 600;
  font-size: 17px;
  color: var(--navy-deep);
  letter-spacing: -0.005em;
  min-height: 44px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary:hover { color: var(--navy-bright); }
.faq-item summary:focus-visible { outline: 2px solid var(--gold); outline-offset: -2px; }
.faq-icon {
  flex-shrink: 0;
  width: 28px;
  height: 28px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-deep);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-weight: 700;
  font-family: var(--font-body);
  font-size: 18px;
  line-height: 1;
  transition: transform 0.25s ease, background 0.25s ease;
}
.faq-item[open] .faq-icon { transform: rotate(45deg); background: var(--navy); color: var(--gold); }
.faq-body {
  padding: 0 24px 22px;
  color: var(--ink);
  font-size: 15.5px;
  line-height: 1.7;
}
.faq-body p { margin: 0; }

/* =========================================================
   CONTACT MAP EMBED
   ========================================================= */
.contact-map {
  margin-top: 28px;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--line);
  box-shadow: var(--shadow-sm);
  background: var(--cream);
}
.contact-map iframe {
  display: block;
  width: 100%;
  height: 260px;
  border: 0;
}

/* =========================================================
   STICKY MOBILE CTA BAR
   ========================================================= */
.sticky-cta {
  display: none;
  position: fixed;
  left: 0; right: 0; bottom: 0;
  z-index: 950;
  background: var(--navy-deep);
  border-top: 1px solid var(--navy-mid);
  box-shadow: 0 -6px 24px rgba(1, 24, 42, 0.25);
  padding: 8px env(safe-area-inset-right) calc(8px + env(safe-area-inset-bottom)) env(safe-area-inset-left);
  grid-template-columns: repeat(4, 1fr);
  gap: 4px;
}
.sc-item {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-content: center;
  gap: 3px;
  padding: 8px 4px;
  min-height: 56px;
  color: var(--cream);
  text-decoration: none;
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.02em;
  border-radius: 8px;
  transition: background 0.18s ease, color 0.18s ease;
  -webkit-tap-highlight-color: transparent;
}
.sc-item:active { background: rgba(253, 181, 21, 0.16); }
.sc-item svg {
  width: 22px;
  height: 22px;
  color: var(--gold);
}
.sc-item.sc-plan {
  background: var(--gold);
  color: var(--navy-deep);
}
.sc-item.sc-plan svg { color: var(--navy-deep); }
.sc-item.sc-plan:active { background: var(--gold-soft); }

/* =========================================================
   RESPONSIVE
   ========================================================= */
@media (max-width: 1024px) {
  .hero-grid { grid-template-columns: 1fr; }
  .hero-portrait { order: -1; max-width: 540px; margin: 0 auto; }
  .hero::before { display: none; }
  .pillars { grid-template-columns: repeat(2, 1fr); }
  .program-grid { grid-template-columns: repeat(3, 1fr); }
  .process-steps { grid-template-columns: repeat(2, 1fr); }
  .t-grid { grid-template-columns: 1fr; }
  .about-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .tb-inner { grid-template-columns: repeat(2, 1fr); gap: 20px 28px; }
  .eho-strip { grid-template-columns: 1fr; text-align: center; gap: 14px; }
  .areas-grid { grid-template-columns: repeat(2, 1fr); }
  .areas-states { grid-template-columns: repeat(2, 1fr); }
  .tb-inner { grid-template-columns: repeat(3, 1fr); gap: 18px 14px; }
  .eho-mark { flex-direction: row; min-width: 0; justify-content: center; }
  .eho-mark svg { width: 32px; height: 32px; }
}

/* Header: tighten nav spacing as viewport narrows so the full link set fits
   horizontally down to ~960px before collapsing to a burger. */
@media (max-width: 1280px) {
  .nav-inner { gap: 16px; }
  .nav-links { gap: 20px; }
  .nav-links a { font-size: 14px; }
  .nav-cta { padding: 9px 18px; }
}
@media (max-width: 1100px) {
  .nav-inner { gap: 12px; padding: 12px var(--gutter); }
  .nav-links { gap: 16px; }
  .nav-links a { font-size: 13.5px; }
  .nav-cta { padding: 8px 14px; letter-spacing: 0.01em; }
  .brand-mark { width: 48px; height: 42px; }
  .brand-name { font-size: 17px; }
  .brand-sub .apm { display: none; }
  .brand-sub .lbd { font-size: 12px; }
}

/* Header collapses to burger menu earlier than the rest of the mobile layout,
   because the full link set cannot fit horizontally below ~960px. */
@media (max-width: 960px) {
  .nav-links {
    position: fixed;
    top: 73px;
    left: 0; right: 0;
    background: var(--white);
    flex-direction: column;
    align-items: stretch;
    padding: 16px var(--gutter) 24px;
    gap: 4px;
    border-bottom: 1px solid var(--line);
    max-height: calc(100vh - 73px);
    overflow-y: auto;
    visibility: hidden;
    opacity: 0;
    transform: translateY(-12px);
    pointer-events: none;
    transition: transform 0.25s ease, opacity 0.2s ease, visibility 0s linear 0.25s;
    box-shadow: 0 12px 24px rgba(1, 24, 42, 0.08);
  }
  .nav-links.open {
    visibility: visible;
    opacity: 1;
    transform: translateY(0);
    pointer-events: auto;
    transition: transform 0.25s ease, opacity 0.2s ease, visibility 0s linear 0s;
  }
  .nav-links a {
    padding: 14px 0;
    border-bottom: 1px solid var(--line-soft);
    font-size: 16px;
    min-height: 44px;
    display: flex;
    align-items: center;
  }
  .nav-links a::after { display: none; }
  .nav-cta {
    margin-top: 8px;
    text-align: center;
    border-bottom: none !important;
  }
  .nav-toggle { display: flex; }
}

@media (max-width: 720px) {
  body { font-size: 16px; }
  .brand-sub { display: none; }
  .brand-name { font-size: 17px; }

  .hero-stats { grid-template-columns: repeat(2, 1fr); gap: 18px; }
  .hero-card { left: 0; right: 0; bottom: -20px; min-width: 0; margin: 0 12px; }

  .pillars { grid-template-columns: 1fr; }
  .program-grid { grid-template-columns: 1fr 1fr; }
  .process-steps { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 32px; }
  .about-facts { grid-template-columns: 1fr; }
  .cf-row { grid-template-columns: 1fr; }

  .ticker { gap: 4px 0; }
  .ticker-item { padding: 6px 14px; }
  .ticker-sep { display: none; }

  .tb-inner { grid-template-columns: 1fr; gap: 18px; }

  .modal-panel, .sheet-panel { padding: 32px 22px 26px; }

  /* Mobile sticky CTA */
  .sticky-cta { display: grid; }
  body { padding-bottom: 76px; }

  /* Tap targets / iOS no-zoom inputs */
  input, select, textarea { font-size: 16px !important; min-height: 44px; }
  textarea { min-height: 88px; }
  .btn { min-height: 44px; padding: 12px 22px; }
  .ticker-item { min-height: 44px; }
  .nav-links a { min-height: 44px; display: flex; align-items: center; }

  /* Areas mobile */
  .areas-grid { grid-template-columns: 1fr; gap: 14px; }
  .areas-states { grid-template-columns: 1fr; gap: 12px; }
  .state-cities { grid-template-columns: 1fr 1fr 1fr; }

  /* FAQ mobile */
  .faq-item summary { padding: 16px 18px; font-size: 15.5px; }
  .faq-body { padding: 0 18px 18px; font-size: 15px; }

  /* Hero h1 mobile */
  .hero-title { font-size: clamp(40px, 10vw, 56px); }

  /* Map mobile */
  .contact-map iframe { height: 220px; }
}

/* =========================================================
   FLOATING CALL/TEXT PILL — Daco brand palette
   Shown on desktop & tablet (≥781px).
   On phones (≤780px), the .sticky-cta 4-button bar handles it.
   ========================================================= */
.float-call {
  position: fixed;
  right: max(24px, env(safe-area-inset-right));
  bottom: max(24px, env(safe-area-inset-bottom));
  z-index: 950;
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 12px 22px 12px 14px;
  background: var(--navy-deep);
  color: var(--white);
  border: 1px solid rgba(253, 181, 21, 0.30);
  border-radius: 999px;
  text-decoration: none;
  font-family: var(--font-body);
  cursor: pointer;
  box-shadow:
    0 14px 32px rgba(1, 24, 42, 0.42),
    0 4px 12px rgba(1, 24, 42, 0.22),
    inset 0 0 0 1px rgba(255, 255, 255, 0.04);
  opacity: 0;
  transform: translateY(20px);
  pointer-events: none;
  transition:
    opacity .3s ease,
    transform .3s cubic-bezier(0.4, 0, 0.2, 1),
    box-shadow .2s ease,
    background-color .2s ease,
    border-color .2s ease;
}
.float-call.show {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
}
.float-call:hover,
.float-call:focus-visible {
  background: var(--navy);
  border-color: var(--gold);
  box-shadow:
    0 18px 40px rgba(1, 24, 42, 0.48),
    0 6px 16px rgba(253, 181, 21, 0.22),
    inset 0 0 0 1px rgba(253, 181, 21, 0.18);
  outline: none;
}
.float-call:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}
.float-call__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-deep);
  flex-shrink: 0;
  transition: background .2s ease, transform .25s ease;
}
.float-call:hover .float-call__icon {
  background: #ffd152;
  transform: scale(1.04);
}
.float-call__text {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
  text-align: left;
}
.float-call__lead {
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-soft);
}
.float-call__num {
  font-family: var(--font-display);
  font-size: 18px;
  font-weight: 600;
  letter-spacing: 0.01em;
  color: var(--white);
  margin-top: 2px;
}

/* Tablet adjustments */
@media (max-width: 1024px) {
  .float-call {
    padding: 10px 20px 10px 12px;
    gap: 12px;
  }
  .float-call__icon { width: 38px; height: 38px; }
  .float-call__num { font-size: 17px; }
}

/* Phones (≤780px) — hide; the .sticky-cta bar handles quick contact */
@media (max-width: 780px) {
  .float-call,
  .float-call-menu { display: none !important; }
}

/* Print: hide */
@media print { .float-call, .float-call-menu { display: none; } }

/* Reduced motion */
@media (prefers-reduced-motion: reduce) {
  .float-call { transition: opacity .2s linear; transform: none; }
  .float-call.show { transform: none; }
}

/* ---------- Floating Call/Text choice menu ---------- */
.float-call-menu {
  position: fixed;
  right: max(24px, env(safe-area-inset-right));
  bottom: calc(max(24px, env(safe-area-inset-bottom)) + 82px);
  z-index: 951;
  min-width: 260px;
  background: var(--white);
  border-radius: 14px;
  box-shadow:
    0 22px 50px rgba(1, 24, 42, 0.30),
    0 6px 18px rgba(1, 24, 42, 0.16);
  border: 1px solid rgba(253, 181, 21, 0.22);
  padding: 8px;
  display: flex;
  flex-direction: column;
  gap: 4px;
  opacity: 0;
  transform: translateY(8px);
  pointer-events: none;
  visibility: hidden;
  transition:
    opacity .18s ease,
    transform .22s cubic-bezier(0.4, 0, 0.2, 1),
    visibility 0s linear .22s;
}
.float-call-menu.open {
  opacity: 1;
  transform: translateY(0);
  pointer-events: auto;
  visibility: visible;
  transition: opacity .18s ease, transform .22s cubic-bezier(0.4, 0, 0.2, 1), visibility 0s;
}
.float-call-menu::after {
  content: "";
  position: absolute;
  right: 32px;
  bottom: -7px;
  width: 14px;
  height: 14px;
  background: var(--white);
  border-right: 1px solid rgba(253, 181, 21, 0.22);
  border-bottom: 1px solid rgba(253, 181, 21, 0.22);
  transform: rotate(45deg);
}
.float-call-menu__item {
  display: flex;
  align-items: center;
  gap: 14px;
  padding: 14px 16px;
  border-radius: 10px;
  text-decoration: none;
  color: var(--navy-deep);
  font-family: var(--font-body);
  transition: background-color .15s ease, transform .15s ease;
}
.float-call-menu__item:hover,
.float-call-menu__item:focus-visible {
  background: rgba(253, 181, 21, 0.12);
  outline: none;
}
.float-call-menu__item:active { transform: scale(0.98); }
.float-call-menu__item svg {
  flex-shrink: 0;
  color: var(--gold-deep);
}
.float-call-menu__item strong {
  display: block;
  font-family: var(--font-display);
  font-size: 16px;
  font-weight: 600;
  letter-spacing: 0.01em;
  line-height: 1.2;
  color: var(--navy-deep);
}
.float-call-menu__sub {
  display: block;
  font-size: 13px;
  font-weight: 500;
  color: var(--slate);
  margin-top: 2px;
  letter-spacing: 0.01em;
}

/* ===========================================================
   MORTGAGE CALCULATOR (Purchase + Refi tabs, live sliders)
   Palette tuned to Daco Lending Group navy + gold.
   =========================================================== */
.calculator-section {
  background: linear-gradient(180deg, var(--cream), var(--cream-2));
  padding: 96px 0;
  position: relative;
}
.calculator-section .section-head {
  margin-bottom: 0;
}
.calc-layout {
  display: grid;
  grid-template-columns: 1.05fr 1fr;
  gap: 32px;
  max-width: 1040px;
  margin: 48px auto 0;
  align-items: stretch;
}
@media (max-width: 880px) {
  .calc-layout { grid-template-columns: 1fr; gap: 20px; margin-top: 32px; }
}

.calc-controls {
  background: #ffffff;
  border: 1px solid rgba(1, 24, 42, 0.08);
  border-radius: 18px;
  padding: 30px 30px 26px;
  box-shadow: 0 2px 14px rgba(1, 24, 42, 0.05);
}

.calc-tabs {
  display: inline-flex;
  background: rgba(1, 24, 42, 0.06);
  border-radius: 999px;
  padding: 4px;
  margin-bottom: 24px;
}
.calc-tab {
  font-family: var(--font-body);
  font-size: 0.82rem;
  font-weight: 600;
  letter-spacing: 0.04em;
  padding: 9px 18px;
  border: 0;
  background: transparent;
  color: var(--slate);
  border-radius: 999px;
  cursor: pointer;
  transition: background 0.18s ease, color 0.18s ease;
}
.calc-tab:hover:not(.active) { color: var(--navy-deep); }
.calc-tab.active {
  background: var(--navy-deep);
  color: #ffffff;
}
.calc-tab:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 2px;
}

.calc-panel { display: none; }
.calc-panel.active { display: block; }

.calc-field { margin-bottom: 18px; }
.calc-field:last-child { margin-bottom: 4px; }

.calc-label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-family: var(--font-body);
  font-size: 0.78rem;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--slate);
  margin-bottom: 10px;
  gap: 12px;
}
.calc-label span {
  font-family: var(--font-body);
  font-size: 0.92rem;
  font-weight: 600;
  letter-spacing: 0;
  text-transform: none;
  color: var(--gold-deep);
  font-variant-numeric: tabular-nums;
  white-space: nowrap;
}

.calc-range {
  -webkit-appearance: none;
  appearance: none;
  width: 100%;
  height: 6px;
  background: rgba(1, 24, 42, 0.12);
  border-radius: 999px;
  outline: 0;
  cursor: pointer;
  margin: 4px 0 0;
}
.calc-range::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 22px;
  height: 22px;
  background: var(--gold);
  border: 3px solid #ffffff;
  border-radius: 50%;
  box-shadow: 0 2px 8px rgba(192, 138, 5, 0.45);
  cursor: pointer;
  transition: transform 0.15s ease;
}
.calc-range::-webkit-slider-thumb:hover { transform: scale(1.12); }
.calc-range::-moz-range-thumb {
  width: 22px;
  height: 22px;
  background: var(--gold);
  border: 3px solid #ffffff;
  border-radius: 50%;
  box-shadow: 0 2px 8px rgba(192, 138, 5, 0.45);
  cursor: pointer;
}
.calc-range:focus-visible::-webkit-slider-thumb {
  outline: 3px solid rgba(253, 181, 21, 0.45);
  outline-offset: 2px;
}

.calc-result {
  background: var(--navy-deep);
  border-radius: 18px;
  padding: 36px 32px 28px;
  color: #ffffff;
  display: flex;
  flex-direction: column;
  gap: 6px;
  box-shadow: 0 10px 32px rgba(1, 24, 42, 0.22);
}
.calc-result__label {
  font-family: var(--font-body);
  font-size: 0.72rem;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--gold-soft);
}
.calc-result__payment {
  font-family: var(--font-display);
  font-size: clamp(2.6rem, 4.4vw, 3.4rem);
  font-weight: 600;
  letter-spacing: -0.01em;
  line-height: 1.05;
  color: #ffffff;
  margin-top: 4px;
}
.calc-result__per {
  font-family: var(--font-body);
  font-size: 0.9rem;
  color: rgba(255, 255, 255, 0.55);
  margin-bottom: 18px;
}
.calc-result__breakdown {
  display: flex;
  flex-direction: column;
  gap: 10px;
  padding: 18px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
  margin-bottom: 22px;
}
.calc-result__row {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-family: var(--font-body);
  font-size: 0.92rem;
}
.calc-result__row-label { color: rgba(255, 255, 255, 0.65); }
.calc-result__row-val {
  color: #ffffff;
  font-weight: 600;
  font-variant-numeric: tabular-nums;
}
.calc-result__row-note {
  font-size: 0.72rem;
  font-weight: 400;
  color: rgba(255, 221, 127, 0.7);
  letter-spacing: 0.02em;
  margin-left: 4px;
}
.calc-result__row--total {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  padding-top: 14px;
  margin-top: 4px;
}
.calc-result__row--total .calc-result__row-label { color: rgba(255, 255, 255, 0.78); }

.calc-cta.btn-primary {
  width: 100%;
  justify-content: center;
  display: inline-flex;
  margin-top: 4px;
  background: var(--gold);
  color: var(--navy-deep);
  border: 0;
}
.calc-cta.btn-primary:hover {
  background: var(--gold-soft);
  color: var(--navy-deep);
}

.calc-disclaimer {
  font-family: var(--font-body);
  font-size: 0.72rem;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.55);
  margin: 16px 0 0;
}

@media (max-width: 880px) {
  .calculator-section { padding: 64px 0; }
  .calc-controls, .calc-result { padding: 24px 20px; }
  .calc-result__payment { font-size: 2.4rem; }
}

/* ===========================================================
   ABOUT SECTION — "Follow Jon" social badge row
   Pill badges that bloom into their native brand color on hover.
   =========================================================== */
.about-socials {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 10px;
  margin-top: 18px;
  padding-top: 18px;
  border-top: 1px solid rgba(1, 24, 42, 0.08);
}
.about-socials__label {
  font-family: var(--font-body);
  font-size: 12px;
  font-weight: 600;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--slate);
  margin-right: 4px;
}
.social-badge {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 9px 14px 9px 11px;
  background: #ffffff;
  border: 1px solid rgba(1, 24, 42, 0.12);
  border-radius: 999px;
  color: var(--navy-deep);
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.01em;
  line-height: 1;
  text-decoration: none;
  transition: transform 0.18s ease, background 0.18s ease, color 0.18s ease, border-color 0.18s ease, box-shadow 0.18s ease;
}
.social-badge svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  transition: color 0.18s ease;
}
.social-badge:hover {
  transform: translateY(-1px);
  color: #ffffff;
  box-shadow: 0 6px 18px rgba(1, 24, 42, 0.18);
}
.social-badge--linkedin:hover  { background: #0a66c2; border-color: #0a66c2; color: #ffffff; }
.social-badge--instagram:hover { background: linear-gradient(135deg, #f58529 0%, #dd2a7b 45%, #8134af 80%, #515bd4 100%); border-color: #dd2a7b; color: #ffffff; }
.social-badge--facebook:hover  { background: #1877f2; border-color: #1877f2; color: #ffffff; }
.social-badge:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}

/* ===========================================================
   FOOTER — refreshed social badges + book-a-call mini CTA
   Brand-color hover, larger tap target, calendar pill underneath.
   =========================================================== */
.footer-socials {
  display: flex;
  gap: 10px;
  margin-top: 4px;
}
.footer-socials a {
  width: 40px;
  height: 40px;
  display: grid;
  place-items: center;
  border: 1px solid rgba(253, 181, 21, 0.32);
  background: rgba(255, 255, 255, 0.02);
  color: var(--gold-soft);
  border-radius: 50%;
  transition: transform 0.2s ease, background 0.2s ease, color 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
}
.footer-socials a:hover {
  transform: translateY(-2px);
  color: #ffffff;
  box-shadow: 0 8px 22px rgba(0, 0, 0, 0.28);
}
.footer-socials a[data-net="linkedin"]:hover  { background: #0a66c2; border-color: #0a66c2; }
.footer-socials a[data-net="instagram"]:hover { background: linear-gradient(135deg, #f58529 0%, #dd2a7b 45%, #8134af 80%, #515bd4 100%); border-color: #dd2a7b; }
.footer-socials a[data-net="facebook"]:hover  { background: #1877f2; border-color: #1877f2; }
.footer-socials a[data-net="calendly"]:hover  { background: var(--gold); border-color: var(--gold); color: var(--navy-deep); }
.footer-socials a:focus-visible {
  outline: 2px solid var(--gold);
  outline-offset: 3px;
}
.footer-socials svg {
  width: 18px;
  height: 18px;
}

.footer-book {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  margin-top: 14px;
  padding: 10px 16px;
  background: var(--gold);
  color: var(--navy-deep);
  border-radius: 999px;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 600;
  letter-spacing: 0.02em;
  text-decoration: none;
  transition: background 0.18s ease, transform 0.18s ease, box-shadow 0.18s ease;
  align-self: flex-start;
}
.footer-book:hover {
  background: var(--gold-soft);
  transform: translateY(-1px);
  box-shadow: 0 8px 22px rgba(253, 181, 21, 0.32);
  color: var(--navy-deep);
}
.footer-book svg {
  flex-shrink: 0;
  color: var(--navy-deep);
}

@media (max-width: 560px) {
  .about-socials { gap: 8px; }
  .social-badge { padding: 8px 12px 8px 10px; font-size: 12.5px; }
  .footer-socials a { width: 38px; height: 38px; }
}

/* ============================================================
   CONTACT CONFIRMATION MODAL — shown after form submit
   ============================================================ */
.contact-confirm {
  position: fixed;
  inset: 0;
  z-index: 1100;
  display: flex;
  align-items: center;
  justify-content: center;
  padding: 20px;
  background: rgba(1, 24, 42, 0.55);
  backdrop-filter: blur(4px);
  -webkit-backdrop-filter: blur(4px);
  opacity: 0;
  pointer-events: none;
  transition: opacity .22s ease;
}
.contact-confirm.open {
  opacity: 1;
  pointer-events: auto;
}
.contact-confirm__card {
  max-width: 420px;
  width: 100%;
  background: #ffffff;
  border-radius: 18px;
  padding: 32px 28px 26px;
  text-align: center;
  box-shadow: 0 24px 60px rgba(1, 24, 42, 0.36), 0 6px 18px rgba(1, 24, 42, 0.22);
  transform: translateY(12px) scale(0.98);
  transition: transform .25s cubic-bezier(0.4, 0, 0.2, 1);
}
.contact-confirm.open .contact-confirm__card {
  transform: translateY(0) scale(1);
}
.contact-confirm__icon {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: rgba(253, 181, 21, 0.18);
  color: var(--gold-deep, #c08a05);
  margin-bottom: 16px;
}
.contact-confirm__title {
  font-family: var(--font-display, Georgia, serif);
  font-size: 1.6rem;
  font-weight: 600;
  color: var(--navy-deep, #01182a);
  margin: 0 0 10px;
  letter-spacing: -0.01em;
}
.contact-confirm__body {
  font-family: var(--font-body, system-ui, sans-serif);
  font-size: 1rem;
  line-height: 1.55;
  color: var(--slate, #4a5568);
  margin: 0 0 22px;
}
.contact-confirm__close {
  appearance: none;
  border: none;
  cursor: pointer;
  font-family: var(--font-body, system-ui, sans-serif);
  font-size: 1rem;
  font-weight: 600;
  background: var(--navy-deep, #01182a);
  color: #ffffff;
  padding: 12px 32px;
  border-radius: 999px;
  transition: background-color .18s ease, transform .15s ease;
}
.contact-confirm__close:hover,
.contact-confirm__close:focus-visible {
  background: var(--navy, #002744);
  outline: none;
}
.contact-confirm__close:focus-visible {
  outline: 3px solid rgba(253, 181, 21, 0.55);
  outline-offset: 2px;
}
.contact-confirm__close:active { transform: scale(0.97); }
@media (max-width: 460px) {
  .contact-confirm__card { padding: 28px 22px 22px; }
  .contact-confirm__title { font-size: 1.4rem; }
  .contact-confirm__body  { font-size: .95rem; }
}
@media (prefers-reduced-motion: reduce) {
  .contact-confirm,
  .contact-confirm__card { transition: none; }
}

/* ============================================================
   FAMILY / WHY band — sits between FAQ and CONTACT
   ============================================================ */
.family {
  background:
    radial-gradient(1100px 540px at 88% -10%, rgba(253, 181, 21, 0.10), transparent 60%),
    linear-gradient(180deg, var(--cream) 0%, #fff8e7 100%);
  padding: 96px 0 104px;
  border-top: 1px solid rgba(1, 24, 42, 0.06);
}
.family-grid {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr);
  gap: 64px;
  align-items: center;
}
.family-photo {
  position: relative;
  margin: 0;
  border-radius: 22px;
  overflow: hidden;
  box-shadow:
    0 30px 60px -20px rgba(1, 24, 42, 0.35),
    0 12px 28px -12px rgba(1, 24, 42, 0.25);
  isolation: isolate;
  transform: rotate(-0.35deg);
}
.family-photo::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  padding: 6px;
  background: linear-gradient(135deg, rgba(253, 181, 21, 0.55), rgba(253, 181, 21, 0));
  -webkit-mask:
    linear-gradient(#000 0 0) content-box,
    linear-gradient(#000 0 0);
  -webkit-mask-composite: xor;
          mask-composite: exclude;
  pointer-events: none;
  z-index: 2;
}
.family-photo img {
  display: block;
  width: 100%;
  height: auto;
  object-fit: cover;
}
.family-copy .eyebrow { margin-bottom: 14px; }
.family-copy .section-title {
  font-family: var(--font-display);
  font-size: clamp(2rem, 1.4rem + 2vw, 2.85rem);
  line-height: 1.08;
  letter-spacing: -0.015em;
  color: var(--navy-deep);
  margin: 0 0 18px;
}
.family-copy .section-title em {
  font-style: italic;
  color: var(--gold-deep);
  font-weight: 500;
}
.family-lede {
  font-family: var(--font-body);
  font-size: 1.0625rem;
  line-height: 1.7;
  color: var(--slate);
  margin: 0 0 20px;
}
.family-lede em {
  font-style: italic;
  color: var(--navy-deep);
  font-weight: 500;
}
.family-sign {
  font-family: var(--font-display);
  font-style: italic;
  font-size: 1.15rem;
  color: var(--navy);
  margin: 0;
}
@media (max-width: 900px) {
  .family { padding: 72px 0 80px; }
  .family-grid {
    grid-template-columns: 1fr;
    gap: 36px;
  }
  .family-photo { transform: none; }
}
@media (max-width: 560px) {
  .family { padding: 56px 0 64px; }
  .family-lede { font-size: 1rem; }
}

/* APM compliance disclaimer block — sits in .legal */
.legal .apm-disclaimer {
  font-size: 11.5px;
  line-height: 1.65;
  color: rgba(255, 255, 255, 0.62);
  margin-top: 14px;
  padding: 14px 16px;
  background: rgba(255, 255, 255, 0.03);
  border-left: 2px solid rgba(253, 181, 21, 0.45);
  border-radius: 4px;
}
@media (max-width: 560px) {
  .legal .apm-disclaimer { font-size: 11px; padding: 12px 14px; }
}