/* Template 16: Loan officer, soft and colorful */
@font-face{font-family:"Coconat";src:url("fonts/Coconat-Regular.woff2") format("woff2");font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:"Coconat";src:url("fonts/Coconat-Demi.woff2") format("woff2");font-weight:600;font-style:normal;font-display:swap}
@font-face{font-family:"Coconat";src:url("fonts/Coconat-Bold.woff2") format("woff2");font-weight:700;font-style:normal;font-display:swap}

:root{
  --ink:#1E293B;
  --muted:#5B6B82;
  --line:#E2E8F0;
  --bg:#FFFFFF;

  --blue:#2563EB;
  --blue-deep:#1D4ED8;
  --blue-soft:#DBE7FF;
  --sky:#60A5FA;
  --yellow:#FBBF24;
  --yellow-soft:#FEF3C7;
  --green:#22C55E;
  --green-soft:#DCFCE7;
  --maroon:#7F1D3A;
  --maroon-soft:#F7DDE5;

  --font:"Coconat",ui-rounded,"Segoe UI",system-ui,sans-serif;
  --r-pill:999px;
  --shadow-nav:0 10px 30px -10px rgba(30,41,59,.18),0 2px 6px rgba(30,41,59,.06);
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--font);font-weight:400;font-size:17px;line-height:1.5;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{display:block;max-width:100%;height:auto}
svg{display:block}
a{color:inherit;text-decoration:none}
ul,dl,dd{margin:0;padding:0;list-style:none}
h1,h2,h3,p{margin:0}
button{font:inherit;color:inherit;border:0;background:none;cursor:pointer;padding:0}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:12px}

.skip{position:fixed;left:12px;top:-60px;z-index:100;background:var(--ink);color:#fff;padding:10px 16px;border-radius:var(--r-pill);transition:top .2s}
.skip:focus{top:12px}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:44px;padding:0 20px;border-radius:var(--r-pill);font-weight:600;font-size:16px;line-height:1;white-space:nowrap;transition:transform .2s,background .2s,box-shadow .2s}
.btn svg{width:16px;height:16px}
.btn:active{transform:scale(.97)}
.btn--primary{background:var(--blue);color:#fff;box-shadow:0 8px 20px -8px rgba(37,99,235,.6)}
.btn--primary:hover{background:var(--blue-deep)}
.btn--soft{background:var(--blue-soft);color:var(--ink)}
.btn--soft:hover{background:#cddcff}
.btn--lg{height:54px;padding:0 28px;font-size:18px}

/* ---------- Navbar ---------- */
.nav{position:fixed;top:14px;left:0;right:0;z-index:50;display:flex;justify-content:center;padding:0 16px;pointer-events:none}
.nav__bar{pointer-events:auto;position:relative;display:flex;align-items:center;gap:10px;padding:8px;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(14px);-webkit-backdrop-filter:saturate(1.4) blur(14px);border-radius:var(--r-pill);box-shadow:var(--shadow-nav);border:1px solid rgba(226,232,240,.8);max-width:100%;animation:t16-nav-in .7s cubic-bezier(.2,.9,.3,1) both}
.nav__brand{display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:linear-gradient(145deg,#3B82F6,var(--blue-deep));flex:none;transition:transform .3s}
.nav__brand:hover{transform:rotate(-8deg) scale(1.05)}
.nav__mark{width:24px;height:24px}
.nav__links{display:flex;align-items:center;gap:2px}
.nav__link{display:inline-flex;align-items:center;gap:4px;height:38px;padding:0 14px;border-radius:var(--r-pill);font-size:16px;font-weight:600;color:var(--ink);transition:background .2s;white-space:nowrap}
.nav__link:hover,.nav__link[aria-expanded="true"],.nav__link.is-active{background:#F1F5F9}
.nav__sep{width:1px;height:28px;background:var(--line);margin:0 4px 0 6px}
.nav__cta{height:46px;padding:0 20px}
.nav__cta-sheet{display:none}
.nav__burger{display:none;position:relative;width:46px;height:46px;border-radius:50%;background:#F1F5F9;flex:none}
.nav__burger span{position:absolute;left:14px;right:14px;height:2px;border-radius:2px;background:var(--ink);transition:transform .3s,top .3s}
.nav__burger span:first-child{top:19px}
.nav__burger span:last-child{top:26px}
.nav__burger[aria-expanded="true"] span:first-child{top:22px;transform:rotate(45deg)}
.nav__burger[aria-expanded="true"] span:last-child{top:22px;transform:rotate(-45deg)}

@keyframes t16-nav-in{from{opacity:0;transform:translateY(-24px) scale(.96)}to{opacity:1;transform:none}}

@media (max-width:1019px){
  .nav{top:10px}
  .nav__bar{width:100%;max-width:520px;justify-content:space-between;padding:7px 7px 7px 7px}
  .nav__sep{display:none}
  .nav__burger{display:block;margin-left:auto}
  .nav__cta{display:none}
  .nav__links{position:absolute;left:0;right:0;top:calc(100% + 10px);flex-direction:column;align-items:stretch;gap:2px;padding:12px;background:#fff;border-radius:28px;box-shadow:0 24px 48px -16px rgba(30,41,59,.3),0 0 0 1px var(--line);opacity:0;visibility:hidden;transform:translateY(-8px);transition:opacity .2s,transform .2s,visibility .2s;max-height:calc(100svh - 96px);overflow:auto}
  .nav__bar.is-open .nav__links{opacity:1;visibility:visible;transform:none}
  .nav__link{height:48px;padding:0 16px;justify-content:space-between;font-size:17px;width:100%}
  .nav__cta-sheet{display:inline-flex;margin-top:8px;height:52px}
}

/* ---------- Hero ---------- */
.hero{position:relative;padding:150px 20px 64px;overflow:hidden;background:
  radial-gradient(120% 60% at 50% 0%,#EEF4FF 0%,rgba(238,244,255,0) 70%),
  linear-gradient(#fff,#fff)}
.hero::before{content:"";position:absolute;inset:0;pointer-events:none;background:
  radial-gradient(40% 30% at 12% 62%,rgba(254,243,199,.7),transparent 70%),
  radial-gradient(40% 30% at 90% 70%,rgba(220,252,231,.7),transparent 70%)}
.hero__inner{position:relative;z-index:2;max-width:960px;margin:0 auto;text-align:center;display:flex;flex-direction:column;align-items:center;padding-top:92px}

/* Floating ropes */
.ropes{position:absolute;inset:0;z-index:1;pointer-events:none}
.rope{position:absolute;top:0;left:var(--x);width:0;height:var(--len);animation:t16-drop 1.5s cubic-bezier(.22,1.2,.36,1) var(--d,0s) both}
.rope__swing{position:relative;width:0;height:100%;transform-origin:50% 0;animation:t16-sway var(--sw,7s) ease-in-out var(--d,0s) infinite}
.rope__swing::before{content:"";position:absolute;left:-.5px;top:-60px;bottom:0;width:1px;background:linear-gradient(#CBD5E1,#94A3B8)}
.tile{position:absolute;left:calc(var(--s,60px)/-2);top:100%;width:var(--s,60px);height:var(--s,60px);display:grid;place-items:center;border-radius:calc(var(--s,60px)*.34);background:linear-gradient(160deg,var(--tile-a),var(--tile-b));box-shadow:inset 0 1.5px 0 rgba(255,255,255,.55),inset 0 -3px 6px rgba(0,0,0,.12),0 14px 22px -10px var(--tile-sh),0 2px 5px rgba(30,41,59,.12);animation:t16-bob var(--bob,5s) ease-in-out var(--d,0s) infinite}
.tile svg{width:46%;height:46%;filter:drop-shadow(0 1px 1px rgba(0,0,0,.18))}
.tile--sm{position:static;--s:48px;flex:none;animation:none}
.t-blue{--tile-a:#6B9BFF;--tile-b:#2563EB;--tile-sh:rgba(37,99,235,.55)}
.t-indigo{--tile-a:#6366F1;--tile-b:#3730A3;--tile-sh:rgba(67,56,202,.5)}
.t-sky{--tile-a:#7DD3FC;--tile-b:#2F7FE0;--tile-sh:rgba(47,127,224,.5)}
.t-yellow{--tile-a:#FDE68A;--tile-b:#F59E0B;--tile-sh:rgba(245,158,11,.5)}
.t-gold{--tile-a:#FCD34D;--tile-b:#D97706;--tile-sh:rgba(217,119,6,.5)}
.t-green{--tile-a:#6EE7A0;--tile-b:#16A34A;--tile-sh:rgba(22,163,74,.5)}
.t-mint{--tile-a:#86EFAC;--tile-b:#0D9488;--tile-sh:rgba(13,148,136,.5)}
.t-maroon{--tile-a:#B0405F;--tile-b:#6B1330;--tile-sh:rgba(107,19,48,.5)}

@keyframes t16-drop{from{transform:translateY(-115%)}to{transform:none}}
@keyframes t16-sway{0%,100%{transform:rotate(-1.4deg)}50%{transform:rotate(1.4deg)}}
@keyframes t16-bob{0%,100%{transform:rotate(1.5deg)}50%{transform:rotate(-1.5deg)}}

/* compact layout (phones, tablets): tiles sit above the headline */
.r1{--x:9%;--len:56px;--s:44px;--d:.05s;--sw:6.5s}
.r2{--x:26%;--len:128px;--s:50px;--d:.2s;--sw:7.5s}
.r3{--x:43%;--len:44px;--s:42px;--d:.35s;--sw:6s}
.r4{--x:59%;--len:136px;--s:48px;--d:.12s;--sw:8s}
.r5{--x:75%;--len:60px;--s:46px;--d:.28s;--sw:7s}
.r6{--x:91%;--len:122px;--s:44px;--d:.42s;--sw:6.8s}
.r7,.r8{display:none}

/* wide layout: ropes flank the headline */
@media (min-width:1100px){
  .hero{padding-top:130px}
  .r1{--x:11%;--len:290px;--s:62px}
  .r2{--x:30%;--len:140px;--s:58px}
  .r3{--x:4%;--len:430px;--s:64px}
  .r4{--x:19%;--len:560px;--s:60px}
  .r5{--x:52%;--len:96px;--s:62px}
  .r6{--x:70%;--len:190px;--s:60px}
  .r7{display:block;--x:89%;--len:310px;--s:64px;--d:.5s;--sw:7.2s}
  .r8{display:block;--x:80%;--len:530px;--s:60px;--d:.3s;--sw:6.6s}
}
@media (min-width:700px) and (max-width:1099px){
  .hero{padding-top:150px}
  .r1{--x:10%;--len:80px;--s:54px}
  .r2{--x:27%;--len:170px;--s:58px}
  .r3{--x:44%;--len:70px;--s:52px}
  .r4{--x:61%;--len:180px;--s:56px}
  .r5{--x:78%;--len:84px;--s:54px}
  .r6{--x:92%;--len:160px;--s:52px}
}

/* headline block */
.pill{display:inline-flex;align-items:center;gap:6px;padding:4px;border-radius:12px;background:#fff;box-shadow:0 0 0 1px var(--line),0 6px 16px -8px rgba(30,41,59,.2);font-size:14px;margin-bottom:26px}
.pill__new{display:inline-block;padding:7px 11px;border-radius:9px;background:var(--blue);color:#fff;font-weight:600;line-height:1}
.pill__badge{width:24px;height:24px;color:var(--yellow);animation:t16-spin 14s linear infinite}
.pill__text{padding:0 10px 0 2px;line-height:1;font-weight:600}
@keyframes t16-spin{to{transform:rotate(360deg)}}

.hero__title{font-weight:600;font-size:clamp(36px,8.4vw,88px);line-height:.98;letter-spacing:-.035em;color:var(--ink)}
.hl{color:var(--blue);position:relative;white-space:nowrap}
.hero__sub{max-width:560px;margin-top:26px;font-size:clamp(17px,2.1vw,20px);line-height:1.5;color:var(--muted)}
.hero__cta{display:flex;flex-wrap:wrap;justify-content:center;gap:12px;margin-top:34px}

.pill,.hero__title,.hero__sub,.hero__cta{animation:t16-rise .8s cubic-bezier(.2,.8,.2,1) both}
.pill{animation-delay:.25s}.hero__title{animation-delay:.35s}.hero__sub{animation-delay:.5s}.hero__cta{animation-delay:.62s}
@keyframes t16-rise{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}

/* ---------- Mosaic ---------- */
.mosaic-wrap{position:relative;z-index:2;max-width:1180px;margin:72px auto 0}
.mosaic-title{text-align:center;font-weight:600;font-size:clamp(28px,4vw,44px);line-height:1.05;letter-spacing:-.025em;margin-bottom:34px}
.mosaic{display:grid;grid-template-columns:repeat(6,1fr);gap:2px}
.m{container-type:inline-size;position:relative;aspect-ratio:1;overflow:hidden;display:grid;place-items:center;opacity:0;transform:scale(.86);transition:opacity .6s ease,transform .7s cubic-bezier(.2,.9,.3,1.1);transition-delay:calc(var(--i,0)*60ms)}
.mosaic.is-in .m{opacity:1;transform:none}
.rtl{border-top-left-radius:46%}.rtr{border-top-right-radius:46%}.rbr{border-bottom-right-radius:46%}.rbl{border-bottom-left-radius:46%}.rcirc{border-radius:50%}
.c-blue{background:var(--blue)}
.c-blue-s{background:#BFD0F9}
.c-yellow{background:var(--yellow)}
.c-yellow-s{background:#FDE9A8}
.c-green{background:#34C77B}
.c-green-s{background:#BFEBD0}
.c-maroon{background:var(--maroon)}
.c-maroon-s{background:#E9BFCB}
.m-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .8s cubic-bezier(.2,.8,.2,1)}
.m-photo:hover img{transform:scale(1.07)}
.m__ico{width:28%;height:28%}
.m__stat{display:flex;flex-direction:column;align-items:center;gap:2cqw;padding:0 8cqw;text-align:center;color:var(--ink)}
.c-on-dark .m__stat{color:#fff}
.c-maroon-s .m__stat{color:var(--maroon)}
.m__num{font-weight:600;font-size:19cqw;line-height:1;letter-spacing:-.03em;font-variant-numeric:tabular-nums}
.m__stat span{font-size:max(10px,8.4cqw);line-height:1.25;opacity:.9}

.m:nth-child(2){--i:1}.m:nth-child(3){--i:2}.m:nth-child(4){--i:3}.m:nth-child(5){--i:4}.m:nth-child(6){--i:5}.m:nth-child(7){--i:6}.m:nth-child(8){--i:7}.m:nth-child(9){--i:8}.m:nth-child(10){--i:9}.m:nth-child(11){--i:10}.m:nth-child(12){--i:11}

/* ---------- About ---------- */
.about{position:relative;overflow:hidden;padding:128px 20px 120px;background:#fff}
.about::before{content:"";position:absolute;inset:0;pointer-events:none;z-index:0;background:radial-gradient(40% 34% at 10% 24%,rgba(254,243,199,.5),transparent 70%),radial-gradient(40% 34% at 92% 82%,rgba(220,252,231,.5),transparent 70%)}
.about__inner{position:relative;z-index:1;max-width:1120px;margin:0 auto;display:grid;grid-template-columns:1.05fr .95fr;gap:72px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;padding:7px 14px 7px 12px;border-radius:var(--r-pill);background:var(--yellow-soft);color:#8A5A00;font-size:14px;font-weight:600;line-height:1}
.eyebrow__dot{width:8px;height:8px;border-radius:50%;background:var(--yellow)}
.about__title{margin-top:18px;font-weight:600;font-size:clamp(32px,4.6vw,54px);line-height:1.04;letter-spacing:-.03em}
.about__lead{margin-top:22px;font-size:clamp(18px,2vw,21px);line-height:1.5;color:var(--ink)}
.about__text{margin-top:14px;color:var(--muted);max-width:520px}
.about__points{display:grid;gap:14px;margin-top:30px}
.about__points li{display:flex;align-items:center;gap:14px}
.about__points .tile--sm{--s:44px}
.about__points b{display:block;font-weight:600;font-size:17px;line-height:1.2}
.about__points span:not(.tile){font-size:15px;color:var(--muted)}
.about__cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:36px}

.about__visual{position:relative;margin:0}
.about__frame{position:relative;aspect-ratio:1;display:grid;grid-template-columns:repeat(3,1fr);grid-template-rows:repeat(3,1fr);gap:2px;overflow:hidden;border-radius:0 0 0 0}
.bg{display:block}
.b1{background:#BFD0F9;border-top-left-radius:46%}
.b2{background:var(--yellow);border-radius:50%}
.b3{background:#BFEBD0;border-top-right-radius:46%}
.b4{background:#E9BFCB;border-bottom-left-radius:46%}
.b5{background:var(--blue)}
.b6{background:#FDE9A8;border-top-right-radius:46%}
.b7{background:#34C77B}
.b8{background:#BFD0F9;border-top-left-radius:46%}
.b9{background:var(--maroon)}
.about__frame img{position:absolute;left:0;bottom:0;width:100%;height:auto;filter:drop-shadow(0 18px 24px rgba(30,41,59,.22))}
.about__badge{position:absolute;left:-28px;bottom:34px;display:flex;flex-direction:column;gap:2px;padding:14px 18px;background:#fff;border-radius:20px;box-shadow:0 0 0 1px var(--line),0 18px 36px -16px rgba(30,41,59,.35)}
.about__badge strong{font-size:17px;font-weight:600;line-height:1.2}
.about__badge span{font-size:14px;color:var(--muted)}
.about__badge small{margin-top:6px;align-self:flex-start;padding:4px 10px;border-radius:var(--r-pill);background:var(--green-soft);color:#15803D;font-size:12.5px;font-weight:600}

.reveal{opacity:0;transform:translateY(28px);transition:opacity .8s cubic-bezier(.2,.8,.2,1),transform .8s cubic-bezier(.2,.8,.2,1)}
.reveal.is-in{opacity:1;transform:none}
.about__visual.reveal{transition-delay:.12s}

/* ---------- Shared: eyebrow variant and round arrow buttons ---------- */
.eyebrow--blue{background:var(--blue-soft);color:var(--blue-deep)}
.eyebrow--blue .eyebrow__dot{background:var(--blue)}
.mnav{display:grid;place-items:center;width:52px;height:52px;border-radius:50%;background:var(--blue-soft);color:var(--ink);transition:background .2s,color .2s,transform .2s}
.mnav:hover{background:var(--blue);color:#fff}
.mnav:active{transform:scale(.93)}
.mnav svg{width:20px;height:20px}


/* ---------- Responsive ---------- */
@media (max-width:1019px){
  .mosaic{grid-template-columns:repeat(4,1fr)}
  }
@media (max-width:699px){
  body{font-size:16px}
  .mosaic-wrap{margin-top:60px}
  .mosaic{grid-template-columns:repeat(3,1fr)}
  .hero{padding:112px 16px 48px}
  .hero__inner{padding-top:112px}
  .hero__cta .btn{flex:1 1 200px}
  }
@media (max-width:480px){
  .pill__text{font-size:13px;white-space:nowrap}
}
@media (max-width:360px){
  .nav__bar{padding:6px}
  .pill__text{font-size:13px}
}

@media (max-width:1019px){
  .about{padding:104px 20px 96px}
  .about__inner{grid-template-columns:1fr;gap:56px}
  .about__visual{max-width:520px;width:100%;margin:0 auto}
}
@media (max-width:699px){
  .about{padding:88px 16px 80px}
  .about__badge{left:10px;bottom:16px;padding:12px 14px}
  .about__cta .btn{flex:1 1 200px}
}

/* ---------- Loan programs ---------- */
.programs{position:relative;overflow:hidden;padding:112px 20px 124px;background:#fff}
.programs::before{content:"";position:absolute;inset:0;pointer-events:none;z-index:0;background:radial-gradient(42% 30% at 8% 14%,rgba(219,231,255,.55),transparent 70%),radial-gradient(42% 30% at 94% 88%,rgba(247,221,229,.5),transparent 70%)}
.programs__head,.programs__grid{position:relative;z-index:1}
.programs__head{max-width:1120px;margin:0 auto 52px;display:flex;align-items:flex-end;justify-content:space-between;gap:48px}
.eyebrow--green{background:var(--green-soft);color:#15803D}
.eyebrow--green .eyebrow__dot{background:var(--green)}
.programs__title{margin-top:18px;max-width:620px;font-weight:600;font-size:clamp(32px,4.6vw,54px);line-height:1.04;letter-spacing:-.03em}
.programs__text{max-width:400px;color:var(--muted);font-size:clamp(17px,1.9vw,19px);padding-bottom:6px}

.programs__grid{max-width:1120px;margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);grid-template-rows:380px 380px;gap:16px}
.pcard{--tint:var(--blue-soft);position:relative;overflow:hidden;display:flex;flex-direction:column;padding:30px 30px 0;border-radius:32px;background:linear-gradient(180deg,#fff 30%,var(--tint) 260%);box-shadow:0 0 0 1px var(--line)}
.pcard--purchase{grid-column:1/3;--tint:var(--blue-soft)}
.pcard--terms{grid-column:3;grid-row:1/3;--tint:var(--yellow-soft)}
.pcard--refi{--tint:var(--green-soft)}
.pcard--dp{--tint:var(--maroon-soft)}
.pcard h3{font-weight:600;font-size:28px;line-height:1.1;letter-spacing:-.02em}
.pcard>p{margin-top:10px;max-width:340px;color:var(--muted);font-size:16px;line-height:1.45}
.pvis{position:relative;flex:1;min-height:0}
.tile--xs{--s:30px;position:static;display:grid;flex:none;animation:none;font-style:normal;box-shadow:inset 0 1px 0 rgba(255,255,255,.5),0 6px 10px -6px var(--tile-sh)}

/* purchase: pre-approval card + sliding chips */
.pvis--purchase{display:flex;align-items:flex-end;gap:20px;margin-top:22px}
.pay{flex:none;width:270px;padding:16px 16px 0;background:#fff;border-radius:22px 22px 0 0;box-shadow:0 0 0 1px var(--line),0 18px 30px -18px rgba(30,41,59,.3)}
.pay__head{display:flex;align-items:center;gap:12px;margin-bottom:14px}
.pay__head b{display:block;font-size:15px;line-height:1.2;font-weight:600}
.pay__head span:not(.tile){font-size:13px;color:var(--muted)}
.pay__btn{display:flex;align-items:center;justify-content:center;height:42px;margin-bottom:8px;border-radius:12px;font-weight:600;font-size:15px;color:#fff}
.pay__btn--ink{background:var(--ink)}
.pay__btn--blue{background:var(--blue)}
.chips{flex:1;min-width:0;align-self:center;display:grid;gap:12px;padding-bottom:30px;-webkit-mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent);mask-image:linear-gradient(90deg,transparent,#000 10%,#000 90%,transparent)}
.chiprow{overflow:hidden}
.chiprow__in{display:flex;width:max-content;animation:t16-chips 30s linear infinite}
.chiprow--rev .chiprow__in{animation-direction:reverse;animation-duration:36s}
.chip{display:inline-flex;align-items:center;gap:10px;flex:none;margin-right:12px;padding:6px 18px 6px 6px;background:#fff;border-radius:var(--r-pill);box-shadow:0 0 0 1px var(--line),0 6px 14px -10px rgba(30,41,59,.25);font-size:15px;font-weight:600;white-space:nowrap}
@keyframes t16-chips{to{transform:translateX(-50%)}}

/* terms: fanned rate cards */
.pvis--fan{margin:0 -30px}
.lc{position:absolute;left:50%;top:50%;width:224px;height:138px;margin:-69px 0 0 -112px;transform:rotate(0) scale(.9);transition:transform 1.2s cubic-bezier(.2,.9,.3,1.08) var(--dl,0s)}
.is-in .lc{transform:translate(calc(var(--tx)*var(--k,1)),calc(var(--ty)*var(--k,1))) rotate(var(--r))}
.lc__in{height:100%;display:flex;flex-direction:column;justify-content:space-between;padding:14px 16px;border-radius:24px;color:#fff;box-shadow:inset 0 1.5px 0 rgba(255,255,255,.4),0 22px 34px -16px rgba(30,41,59,.5);animation:t16-float 6s ease-in-out infinite}
.lc--a .lc__in{background:linear-gradient(150deg,#FDE68A,#F59E0B);color:var(--ink)}
.lc--b .lc__in{background:linear-gradient(150deg,#6B9BFF,#2563EB);animation-delay:-2s}
.lc--c .lc__in{background:linear-gradient(150deg,#B0405F,#6B1330);animation-delay:-4s}
.lc__top{display:flex;align-items:center;justify-content:space-between;font-size:14px;font-weight:600}
.lc__top .tile{--tile-a:rgba(255,255,255,.35);--tile-b:rgba(255,255,255,.2);--tile-sh:transparent;box-shadow:none}
.lc b{font-size:34px;line-height:1;font-weight:600;letter-spacing:-.02em}
.lc__sub{font-size:13px;opacity:.85;margin-top:-6px}
@keyframes t16-float{0%,100%{transform:translateY(0)}50%{transform:translateY(-8px)}}

/* refinance: payment chart */
.pvis--refi,.pvis--dp{display:flex;align-items:flex-end;padding-top:20px}
.rc,.dp{position:relative;width:100%;padding:16px 18px 0;background:#fff;border-radius:22px 22px 0 0;box-shadow:0 0 0 1px var(--line),0 18px 30px -18px rgba(30,41,59,.3)}
.rc{overflow:hidden}
.rc__row,.dp__row{display:flex;align-items:center;justify-content:space-between;font-size:13px;color:var(--muted)}
.rc__row em,.dp__row em{font-style:normal;padding:4px 10px;border-radius:var(--r-pill);background:var(--green-soft);color:#15803D;font-weight:600;font-size:12.5px}
.rc__amt{display:flex;align-items:baseline;gap:10px;margin-top:6px}
.rc__amt b{font-size:34px;line-height:1;font-weight:600;letter-spacing:-.02em}
.rc__amt s{font-size:15px;color:#94A3B8}
.rc__chart{display:block;width:calc(100% + 36px);height:84px;margin:8px -18px 0;overflow:visible}
.rc__base{fill:none;stroke:#CBD5E1;stroke-width:1.2;stroke-dasharray:4 5}
.rc__line{fill:none;stroke:#16A34A;stroke-width:3;stroke-linecap:round;stroke-dasharray:1;stroke-dashoffset:1;transition:stroke-dashoffset 1.8s cubic-bezier(.4,.1,.2,1) .3s}
.rc__area{opacity:0;transition:opacity 1.2s ease 1s}
.is-in .rc__line{stroke-dashoffset:0}
.is-in .rc__area{opacity:1}
.rc__dot{position:absolute;right:0;bottom:14px;width:12px;height:12px;border-radius:50%;background:#16A34A;box-shadow:0 0 0 4px rgba(34,197,94,.25);opacity:0;transition:opacity .4s ease 2s;animation:t16-pulse 2.2s ease-out 2.2s infinite}
.is-in .rc__dot{opacity:1}
@keyframes t16-pulse{0%{box-shadow:0 0 0 0 rgba(34,197,94,.45)}100%{box-shadow:0 0 0 14px rgba(34,197,94,0)}}

/* FHA and VA: down payment slider */
.dp{padding-bottom:0}
.dp__row em{background:var(--blue-soft);color:var(--blue-deep)}
.dp__track{position:relative;height:10px;margin:22px 6px 0;border-radius:var(--r-pill);background:#E2E8F0}
.dp__fill{position:absolute;left:0;top:0;bottom:0;width:10%;border-radius:inherit;background:linear-gradient(90deg,#34C77B,var(--blue));animation:t16-slide 7s ease-in-out infinite}
.dp__fill::after{content:"";position:absolute;right:-12px;top:50%;width:24px;height:24px;margin-top:-12px;border-radius:50%;background:#fff;border:3px solid var(--blue);box-shadow:0 4px 10px rgba(37,99,235,.35)}
@keyframes t16-slide{0%,12%{width:2%}45%,60%{width:34%}100%{width:2%}}
.dp__ticks{display:flex;justify-content:space-between;margin:14px 2px 0;font-size:12.5px;color:var(--muted)}
.dp__badges{display:flex;flex-wrap:wrap;gap:8px;margin-top:14px;padding-bottom:22px}
.dp__b{padding:6px 12px;border-radius:var(--r-pill);font-size:13px;font-weight:600}
.dp__b--g{background:var(--green-soft);color:#15803D}
.dp__b--b{background:var(--blue-soft);color:var(--blue-deep)}

@media (max-width:1019px){
  .programs{padding:96px 20px 104px}
  .programs__head{flex-direction:column;align-items:flex-start;gap:20px}
  .programs__grid{grid-template-columns:repeat(2,1fr);grid-template-rows:none;grid-auto-rows:380px}
  .pcard--purchase{grid-column:1/3;grid-row:auto}
  .pcard--terms{grid-column:1;grid-row:auto}
  .pcard--refi{grid-column:2}
  .pcard--dp{grid-column:1/3}
  .lc{--k:.5}
}
@media (max-width:699px){
  .programs{padding:80px 16px 88px}
  .programs__grid{grid-template-columns:1fr;grid-auto-rows:auto}
  .pcard--purchase,.pcard--terms,.pcard--refi,.pcard--dp{grid-column:1;min-height:0}
  .pcard{padding:24px 22px 0}
  .pcard>p{max-width:none}
  .pvis--purchase{flex-direction:column-reverse;align-items:stretch;gap:20px;margin-top:20px}
  .chips{padding-bottom:0;align-self:stretch}
  .pay{width:100%;max-width:300px;align-self:center}
  .pvis--fan{flex:none;height:480px;margin:24px -22px 0}
  .lc{--k:.85}
  .pvis--refi,.pvis--dp{padding-top:22px}
}

/* ---------- Lead modal ---------- */
html{scrollbar-gutter:stable}
html.lead-open{overflow:hidden}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.btn--block{width:100%}

.lead{padding:0;border:0;background:transparent;color:var(--ink);overflow:visible;width:min(520px,calc(100vw - 32px));max-width:none;max-height:none;margin:auto}
.lead::backdrop{background:rgba(30,41,59,.5);-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);animation:t16-fade .25s ease both}
.lead[open]{animation:t16-pop .35s cubic-bezier(.2,.9,.3,1.05) both}
.lead.is-closing{animation:t16-pop-out .22s ease both}
.lead.is-closing::backdrop{animation:t16-fade-out .22s ease both}
@keyframes t16-fade{from{opacity:0}}
@keyframes t16-fade-out{to{opacity:0}}
@keyframes t16-pop{from{opacity:0;transform:translateY(18px) scale(.97)}}
@keyframes t16-pop-out{to{opacity:0;transform:translateY(12px) scale(.98)}}

.lead__sheet{position:relative;display:flex;flex-direction:column;max-height:calc(100dvh - 32px);overflow-y:auto;scrollbar-width:none;-ms-overflow-style:none;padding:30px 30px 28px;border-radius:32px;background:
  radial-gradient(60% 40% at 0% 0%,rgba(254,243,199,.65),transparent 70%),
  radial-gradient(60% 40% at 100% 100%,rgba(220,252,231,.6),transparent 70%),#fff;
  box-shadow:0 40px 80px -24px rgba(30,41,59,.5),0 0 0 1px rgba(226,232,240,.8)}
.lead__sheet::-webkit-scrollbar{display:none}
.lead__grab{display:none}
.lead__close{position:absolute;top:18px;right:18px;display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#F1F5F9;transition:background .2s,transform .2s}
.lead__close:hover{background:var(--blue-soft)}
.lead__close:active{transform:scale(.92)}
.lead__close svg{width:18px;height:18px}

.lead__head{display:flex;align-items:center;gap:12px;padding-right:52px}
.lead__head img{width:48px;height:48px;border-radius:50%;object-fit:cover;object-position:46% 6%;background:linear-gradient(160deg,var(--blue-soft),var(--yellow-soft));flex:none}
.lead__head b{display:block;font-weight:600;font-size:16px;line-height:1.2}
.lead__head span{font-size:13px;color:var(--muted)}
.lead__progress{display:flex;gap:6px;margin:20px 0 22px}
.lead__progress i{flex:1;height:5px;border-radius:var(--r-pill);background:#E2E8F0;transition:background .35s}
.lead__progress i.is-on{background:var(--blue)}

.lead__form{display:block}
.lead__hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.lead__step{animation:t16-step .35s cubic-bezier(.2,.8,.2,1) both}
.lead__step[hidden]{display:none}
@keyframes t16-step{from{opacity:0;transform:translateX(18px)}}
.lead__step h2{font-weight:600;font-size:clamp(25px,6.4vw,31px);line-height:1.1;letter-spacing:-.025em}
.lead__sub{margin-top:8px;color:var(--muted);font-size:16px;line-height:1.45}

.lead__opts{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:20px 0 0;padding:0;border:0;min-width:0}
.opt{position:relative;display:block;cursor:pointer;-webkit-tap-highlight-color:transparent}
.opt input{position:absolute;opacity:0;inset:0;width:100%;height:100%;margin:0;cursor:pointer}
.opt__in{display:flex;align-items:center;gap:10px;min-height:64px;padding:8px 12px 8px 8px;border-radius:20px;background:#fff;box-shadow:inset 0 0 0 1.5px var(--line);transition:box-shadow .2s,background .2s,transform .15s}
.opt__in b{font-weight:600;font-size:15px;line-height:1.2}
.opt__in .tile--sm{--s:44px}
.opt:hover .opt__in{box-shadow:inset 0 0 0 1.5px #BFD0F9}
.opt:active .opt__in{transform:scale(.97)}
.opt input:checked+.opt__in{background:var(--blue-soft);box-shadow:inset 0 0 0 2px var(--blue)}
.opt input:focus-visible+.opt__in{outline:3px solid var(--blue);outline-offset:2px}
.lead__err{margin-top:12px;font-size:14px;color:var(--maroon);font-weight:600}
.lead__err[hidden]{display:none}

.lead__pick{display:flex;align-items:center;gap:10px;margin:12px 0 18px}
.lead__pickname{padding:6px 12px;border-radius:var(--r-pill);background:var(--blue-soft);color:var(--blue-deep);font-weight:600;font-size:14px}
.lead__change{font-size:14px;font-weight:600;color:var(--muted);text-decoration:underline;text-underline-offset:3px;padding:6px 4px}

.field{margin-bottom:12px}
.field label{display:block;margin-bottom:6px;font-size:14px;font-weight:600}
.field label small{font-weight:400;color:var(--muted);margin-left:4px}
.field input{display:block;width:100%;height:56px;padding:0 16px;border:0;border-radius:16px;background:#F8FAFC;box-shadow:inset 0 0 0 1.5px var(--line);font:inherit;font-size:16px;color:var(--ink);transition:box-shadow .2s,background .2s;-webkit-appearance:none;appearance:none}
.field input::placeholder{color:#94A3B8}
.field input:focus{outline:none;background:#fff;box-shadow:inset 0 0 0 2px var(--blue),0 0 0 4px rgba(37,99,235,.14)}
.field.is-bad input{box-shadow:inset 0 0 0 2px var(--maroon);background:#FFF8FA}
.field__err{min-height:0;margin-top:5px;font-size:13px;color:var(--maroon);font-weight:600}
.field__err:empty{display:none}
.lead__fine{margin:6px 0 18px;font-size:13px;line-height:1.4;color:var(--muted)}

.lead__actions{margin-top:22px}
.lead__actions--row{display:grid;grid-template-columns:auto 1fr;gap:10px;margin-top:0}
.lead__actions .btn{height:56px}
.lead__submit{position:relative}
.lead__submit.is-busy span{opacity:0}
.lead__submit.is-busy::after{content:"";position:absolute;width:22px;height:22px;border-radius:50%;border:3px solid rgba(255,255,255,.4);border-top-color:#fff;animation:t16-spin 0.7s linear infinite}

.lead__done{text-align:center;padding:6px 0 0}
.lead__check{width:92px;height:92px;margin:6px auto 18px}
.lead__check .ring{stroke-dasharray:1;stroke-dashoffset:1;animation:t16-draw .7s ease .1s forwards}
.lead__check .tick{stroke-dasharray:1;stroke-dashoffset:1;animation:t16-draw .5s ease .6s forwards}
@keyframes t16-draw{to{stroke-dashoffset:0}}

/* clickable program cards */
.pcard[data-lead]{cursor:pointer;transition:transform .35s cubic-bezier(.2,.8,.2,1),box-shadow .35s,opacity .8s;-webkit-tap-highlight-color:transparent}
.pcard[data-lead].is-in:hover{transform:translateY(-4px);box-shadow:0 0 0 1px #BFD0F9,0 24px 40px -24px rgba(30,41,59,.35)}
.pcard__go{position:absolute;top:26px;right:26px;z-index:3;display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:#fff;box-shadow:0 0 0 1px var(--line),0 8px 16px -8px rgba(30,41,59,.3);transition:background .25s,color .25s,transform .25s}
.pcard__go svg{width:18px;height:18px}
.pcard:hover .pcard__go,.pcard:focus-visible .pcard__go{background:var(--blue);color:#fff;transform:translateX(2px)}
.pcard--terms .pcard__go{top:26px}

/* phones: bottom sheet */
@media (max-width:699px){
  .lead{width:100%;max-width:100%;margin:auto 0 0;inset:auto 0 0 0;position:fixed}
  .lead[open]{animation:t16-sheet .42s cubic-bezier(.2,.9,.25,1) both}
  .lead.is-closing{animation:t16-sheet-out .26s ease both}
  @keyframes t16-sheet{from{transform:translateY(100%)}}
  @keyframes t16-sheet-out{to{transform:translateY(100%)}}
  .lead__sheet{max-height:92dvh;padding:8px 20px calc(20px + env(safe-area-inset-bottom));border-radius:28px 28px 0 0;transition:transform .25s cubic-bezier(.2,.8,.2,1)}
  .lead__sheet.is-drag{transition:none}
  .lead__grab{display:grid;place-items:center;height:26px;margin:0 -20px;touch-action:none;cursor:grab}
  .lead__grab span{width:44px;height:5px;border-radius:var(--r-pill);background:#CBD5E1}
  .lead__close{top:20px;right:14px}
  .lead__head{padding-top:4px}
  .lead__progress{margin:16px 0 18px}
  .opt__in{min-height:60px}
  .lead__actions .btn{height:58px}
  .pcard__go{top:22px;right:20px}
}
@media (max-width:699px) and (max-height:700px){
  .lead__head img{width:40px;height:40px}
  .field{margin-bottom:8px}
  .field input{height:52px}
}

/* ---------- Why choose ---------- */
.why{position:relative;overflow:hidden;padding:116px 20px 128px;background:#fff}
.why::before{content:"";position:absolute;inset:0;pointer-events:none;z-index:0;background:
  radial-gradient(38% 28% at 50% 0%,rgba(219,231,255,.55),transparent 72%),
  radial-gradient(34% 30% at 6% 62%,rgba(254,243,199,.55),transparent 72%),
  radial-gradient(34% 30% at 96% 70%,rgba(220,252,231,.55),transparent 72%),
  radial-gradient(40% 24% at 50% 108%,rgba(247,221,229,.55),transparent 72%)}
.why__head,.why__grid{position:relative;z-index:1}
.eyebrow--maroon{background:var(--maroon-soft);color:var(--maroon)}
.eyebrow--maroon .eyebrow__dot{background:var(--maroon)}
.why__head{max-width:680px;margin:0 auto 56px;text-align:center}
.why__title{margin-top:18px;font-weight:600;font-size:clamp(32px,4.8vw,56px);line-height:1.04;letter-spacing:-.03em}
.why__text{margin:18px auto 0;max-width:520px;color:var(--muted);font-size:clamp(17px,1.9vw,19px)}

.why__grid{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.wcard{--r:64px;position:relative;overflow:hidden;display:flex;flex-direction:column;min-height:470px;padding:30px 28px 0;cursor:pointer;-webkit-tap-highlight-color:transparent;box-shadow:0 0 0 1px rgba(30,41,59,.05);transition:transform .35s cubic-bezier(.2,.8,.2,1),box-shadow .35s,opacity .8s}
.wcard--a{border-radius:var(--r) 0 var(--r) 0}
.wcard--b{border-radius:0 var(--r) 0 var(--r)}
.wcard--blue{background:linear-gradient(165deg,#D3E1FF 0%,#EAF1FF 48%,#FAFCFF 100%)}
.wcard--yellow{background:linear-gradient(165deg,#FDEBB0 0%,#FEF5D3 48%,#FFFDF5 100%)}
.wcard--green{background:linear-gradient(165deg,#C9F2D8 0%,#E3F8EA 48%,#FAFEFB 100%)}
.wcard--maroon{background:linear-gradient(165deg,#F1CAD6 0%,#F9E4EA 48%,#FFF9FA 100%)}
.wcard.is-in:hover{transform:translateY(-5px);box-shadow:0 0 0 1px rgba(30,41,59,.06),0 28px 44px -26px rgba(30,41,59,.4)}
.wcard__top span{display:block;font-size:14px;color:var(--muted)}
.wcard__top h3{margin-top:2px;font-weight:600;font-size:26px;line-height:1.1;letter-spacing:-.02em}
.wcard__plus{position:absolute;right:20px;bottom:20px;z-index:4;display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#fff;box-shadow:0 0 0 1px var(--line),0 8px 16px -8px rgba(30,41,59,.3);transition:background .25s,color .25s,transform .35s}
.wcard__plus svg{width:18px;height:18px}
.wcard:hover .wcard__plus,.wcard:focus-visible .wcard__plus{background:var(--blue);color:#fff;transform:rotate(90deg)}
.wvis{position:relative;flex:1;min-height:0;margin:0 -28px}

/* 1: loan estimate document */
.wvis--doc{display:grid;place-items:end center}
.doc{width:86%;margin-bottom:-26px;padding:16px 16px 40px;background:#fff;border-radius:18px 18px 0 0;box-shadow:0 0 0 1px var(--line),0 22px 34px -18px rgba(30,41,59,.4);transform:rotate(-3deg);transform-origin:50% 100%;animation:t16-float 7s ease-in-out infinite}
.doc__head{display:flex;align-items:center;gap:9px;margin-bottom:12px;padding-bottom:12px;border-bottom:1px solid var(--line)}
.doc__head b{font-size:14.5px;font-weight:600;white-space:nowrap}
.doc__head span{margin-left:auto;font-size:12px;color:var(--muted)}
.doc__row{display:flex;justify-content:space-between;align-items:center;padding:7px 8px;border-radius:8px;font-size:13.5px;color:var(--muted)}
.doc__row b{color:var(--ink);font-weight:600}
.doc__row.is-hl{background:linear-gradient(90deg,#FDE68A,#FEF3C7);color:var(--ink)}
.doc__line{height:7px;margin:10px 8px 0;border-radius:4px;background:#EEF2F7}
.doc__line--s{width:55%}
.bubble{position:absolute;right:14px;top:16px;display:flex;align-items:center;gap:8px;max-width:78%;padding:6px 14px 6px 6px;border-radius:22px 22px 22px 6px;background:var(--blue);color:#fff;font-size:13px;font-weight:600;line-height:1.25;box-shadow:0 14px 24px -12px rgba(37,99,235,.7);animation:t16-float 5.5s ease-in-out -2s infinite}
.bubble img{width:34px;height:34px;border-radius:50%;object-fit:cover;object-position:46% 6%;background:#fff;flex:none}

/* 2: phone */
.wvis--phone{display:grid;place-items:end center}
.phone{width:156px;height:268px;margin-bottom:-34px;padding:7px;border-radius:32px;background:linear-gradient(160deg,#334155,#1E293B);box-shadow:0 26px 40px -16px rgba(30,41,59,.55),inset 0 0 0 1.5px rgba(255,255,255,.1)}
.phone__screen{position:relative;height:100%;padding:26px 12px 0;border-radius:26px;background:linear-gradient(180deg,#fff,#F8FAFC);text-align:center}
.phone__notch{position:absolute;left:50%;top:8px;width:46px;height:12px;margin-left:-23px;border-radius:10px;background:#1E293B}
.phone__ok{display:block;width:54px;height:54px;margin:8px auto 10px}
.phone__ok .ring,.phone__ok .tick{stroke-dasharray:1;stroke-dashoffset:1;transition:stroke-dashoffset .8s ease .35s}
.phone__ok .tick{transition-delay:.9s;transition-duration:.5s}
.is-in .phone__ok .ring,.is-in .phone__ok .tick{stroke-dashoffset:0}
.phone__screen b{display:block;font-size:14px;font-weight:600}
.phone__screen strong{display:block;margin-top:2px;font-size:22px;line-height:1.1;font-weight:600;letter-spacing:-.02em;color:#16A34A}
.phone__bar{display:block;height:6px;margin:12px 6px 8px;border-radius:4px;background:#E2E8F0;overflow:hidden}
.phone__bar i{display:block;height:100%;width:0;border-radius:inherit;background:linear-gradient(90deg,var(--yellow),#34C77B);transition:width 1.4s cubic-bezier(.3,.7,.2,1) .8s}
.is-in .phone__bar i{width:100%}
.phone__screen small{font-size:11.5px;color:var(--muted)}
.clock{position:absolute;left:22px;top:30px;display:flex;align-items:center;gap:7px;padding:8px 14px 8px 10px;border-radius:var(--r-pill);background:#fff;color:#D97706;box-shadow:0 0 0 1px var(--line),0 14px 22px -12px rgba(217,119,6,.5);animation:t16-float 6s ease-in-out -1s infinite}
.clock svg{width:22px;height:22px}
.clock b{font-size:15px;font-weight:600;color:var(--ink)}

/* 3: rate comparison */
.wvis--rates{display:grid;place-items:end center}
.rates{width:86%;margin-bottom:-4px;padding:16px 16px 56px;background:#fff;border-radius:18px 18px 0 0;box-shadow:0 0 0 1px var(--line),0 22px 34px -18px rgba(30,41,59,.4)}
.rates__row{display:grid;grid-template-columns:28px 1fr auto;grid-template-areas:"i n r" "bar bar bar";gap:2px 10px;align-items:center;margin-bottom:14px;font-size:13.5px}
.rates__row i{grid-area:i;display:grid;place-items:center;width:28px;height:28px;border-radius:9px;background:#EEF2F7;color:var(--muted);font-style:normal;font-weight:600;font-size:13px}
.rates__row i svg{width:16px;height:16px}
.rates__row span{grid-area:n;font-weight:600}
.rates__row b{grid-area:r;font-weight:600}
.rates__row em{grid-area:bar;display:block;height:8px;margin-top:6px;border-radius:5px;background:#CBD5E1;width:0;transition:width 1.3s cubic-bezier(.3,.7,.2,1) .4s}
.is-in .rates__row em{width:var(--w)}
.rates__row.is-best i{background:linear-gradient(160deg,#6EE7A0,#16A34A);color:#fff}
.rates__row.is-best em{background:linear-gradient(90deg,#34C77B,#16A34A)}
.rates__row.is-best b{color:#15803D}
.rates__note{display:flex;align-items:center;gap:6px;font-size:12px;color:var(--muted)}
.rates__note svg{width:14px;height:14px;color:var(--muted)}
.save{position:absolute;right:16px;top:-6px;padding:9px 14px;border-radius:var(--r-pill);background:#16A34A;color:#fff;font-size:13px;font-weight:600;box-shadow:0 14px 22px -10px rgba(22,163,74,.7);animation:t16-float 5.5s ease-in-out -2s infinite}

/* 4: chat */
.wvis--chat{display:grid;place-items:end center}
.chat{width:88%;margin-bottom:-4px;padding:14px 14px 58px;background:#fff;border-radius:18px 18px 0 0;box-shadow:0 0 0 1px var(--line),0 22px 34px -18px rgba(30,41,59,.4)}
.chat__head{display:flex;align-items:center;gap:10px;margin-bottom:12px;padding-bottom:12px;border-bottom:1px solid var(--line)}
.chat__head b{display:block;font-size:14.5px;font-weight:600;line-height:1.2}
.chat__head small{font-size:12px;color:#15803D;font-weight:600}
.chat__av{position:relative;width:38px;height:38px;flex:none}
.chat__av img{width:100%;height:100%;border-radius:50%;object-fit:cover;object-position:46% 6%;background:linear-gradient(160deg,var(--blue-soft),var(--yellow-soft))}
.chat__av u{position:absolute;right:-1px;bottom:-1px;width:11px;height:11px;border-radius:50%;background:#22C55E;border:2px solid #fff}
.msg{max-width:84%;margin:0 0 8px;padding:9px 13px;border-radius:16px;font-size:13.5px;line-height:1.35;opacity:0;transform:translateY(8px);transition:opacity .5s ease,transform .5s ease}
.msg--in{background:#F1F5F9;border-bottom-left-radius:5px;transition-delay:.5s}
.msg--out{margin-left:auto;background:var(--blue);color:#fff;border-bottom-right-radius:5px;transition-delay:1.3s}
.msg--typing{display:flex;gap:4px;width:max-content;background:#F1F5F9;border-bottom-left-radius:5px;transition-delay:2.1s}
.msg--typing i{width:6px;height:6px;border-radius:50%;background:#94A3B8;animation:t16-dots 1.2s ease-in-out infinite}
.msg--typing i:nth-child(2){animation-delay:.15s}.msg--typing i:nth-child(3){animation-delay:.3s}
.is-in .msg{opacity:1;transform:none}
@keyframes t16-dots{0%,60%,100%{transform:translateY(0);opacity:.5}30%{transform:translateY(-4px);opacity:1}}

@media (max-width:1099px){
  .why__grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:699px){
  .why{padding:84px 16px 92px}
  .why__head{margin-bottom:40px}
  .why__grid{grid-template-columns:1fr}
  .wcard{--r:44px;min-height:440px}
}

/* ---------- Calculator ---------- */
.calc{position:relative;overflow:clip;padding:112px 20px 120px;background:#fff}
.calc::before{content:"";position:absolute;inset:0;pointer-events:none;z-index:0;background:
  radial-gradient(40% 30% at 4% 20%,rgba(219,231,255,.6),transparent 72%),
  radial-gradient(38% 30% at 98% 38%,rgba(254,243,199,.6),transparent 72%),
  radial-gradient(40% 26% at 30% 104%,rgba(220,252,231,.6),transparent 72%),
  radial-gradient(30% 20% at 96% 100%,rgba(247,221,229,.5),transparent 72%)}
.calc__head,.calc__wrap{position:relative;z-index:1}
.calc__head{max-width:680px;margin:0 auto 44px;text-align:center}
.calc__title{margin-top:18px;font-weight:600;font-size:clamp(32px,4.8vw,54px);line-height:1.04;letter-spacing:-.03em}
.calc__lead{margin:16px auto 0;max-width:500px;color:var(--muted);font-size:clamp(17px,1.9vw,19px)}
.calc__chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;margin-top:26px}
.sc{display:flex;flex-direction:column;align-items:flex-start;gap:1px;padding:10px 18px;border-radius:18px 4px 18px 4px;background:#fff;box-shadow:inset 0 0 0 1.5px var(--line);text-align:left;transition:background .2s,box-shadow .2s,transform .15s;-webkit-tap-highlight-color:transparent}
.sc b{font-weight:600;font-size:15px;line-height:1.2}
.sc span{font-size:13px;color:var(--muted)}
.sc:hover{box-shadow:inset 0 0 0 1.5px #BFD0F9;background:#F5F8FF}
.sc:active{transform:scale(.97)}
.sc.is-on{background:var(--blue-soft);box-shadow:inset 0 0 0 2px var(--blue)}

/* wide card */
.calc__wrap{max-width:1120px;margin:0 auto;scroll-margin-top:96px}
.calc__deco{position:absolute;z-index:0;pointer-events:none}
.calc__deco--a{top:-34px;right:-30px;width:130px;height:130px;border-radius:50%;background:linear-gradient(160deg,#FDE68A,var(--yellow))}
.calc__deco--b{bottom:-26px;left:-26px;width:120px;height:120px;border-radius:50%;background:linear-gradient(200deg,#BFEBD0,#34C77B)}
.calc__card{position:relative;z-index:1;display:grid;grid-template-columns:minmax(0,1fr) 400px;gap:28px;align-items:stretch;padding:28px;border-radius:0 64px 0 64px;background:
  radial-gradient(60% 40% at 0% 0%,rgba(219,231,255,.55),transparent 70%),
  radial-gradient(50% 40% at 40% 100%,rgba(220,252,231,.5),transparent 70%),#fff;
  box-shadow:0 0 0 1px rgba(226,232,240,.9),0 40px 70px -34px rgba(30,41,59,.45)}
.calc__fields{grid-column:1;grid-row:1;display:grid;grid-template-columns:1fr 1fr;gap:26px 34px;align-content:center;padding:10px 10px 10px 8px}
.calc__panel{grid-column:2;grid-row:1;display:flex;flex-direction:column;gap:16px;padding:22px;border-radius:44px 4px 44px 4px;background:linear-gradient(150deg,#EAF1FF 0%,#FEF6D8 100%);box-shadow:inset 0 0 0 1px rgba(255,255,255,.85)}

.calc__result{display:flex;align-items:center;gap:18px}
.donut{position:relative;flex:none;width:112px;height:112px}
.donut>svg:first-child{display:block;width:100%;height:100%;transform:rotate(-90deg)}
.donut circle{fill:none;stroke-width:15}
.donut__bg{stroke:rgba(255,255,255,.85)}
.donut__seg{stroke-linecap:butt;transition:stroke-dasharray .6s cubic-bezier(.3,.7,.2,1),stroke-dashoffset .6s cubic-bezier(.3,.7,.2,1)}
.donut__in{position:absolute;inset:0;display:grid;place-items:center}
.donut__in svg{width:36px;height:36px;padding:9px;border-radius:50%;background:linear-gradient(145deg,#3B82F6,var(--blue-deep));box-shadow:0 8px 14px -6px rgba(37,99,235,.6)}
.calc__total{min-width:0}
.calc__total span{display:block;font-size:13.5px;color:var(--muted)}
.calc__total b{display:block;margin-top:2px;font-weight:600;font-size:clamp(36px,4.4vw,46px);line-height:1;letter-spacing:-.03em;font-variant-numeric:tabular-nums}
.calc__total small{display:block;margin-top:6px;font-size:13px;color:var(--muted)}

.calc__more{display:flex;flex-direction:column;gap:12px}
.calc__legend{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.calc__legend li{position:relative;padding:9px 12px 9px 28px;border-radius:14px 3px 14px 3px;background:rgba(255,255,255,.72)}
.calc__legend li[hidden]{display:none}
.calc__legend i{position:absolute;left:11px;top:15px;width:10px;height:10px;border-radius:4px}
.calc__legend span{display:block;font-size:12.5px;color:var(--muted);line-height:1.2}
.calc__legend b{display:block;font-size:16px;font-weight:600;font-variant-numeric:tabular-nums}
.calc__sum{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.calc__sum div{padding:9px 11px;border-radius:14px 3px 14px 3px;background:rgba(255,255,255,.72)}
.calc__sum span{display:block;font-size:12px;color:var(--muted)}
.calc__sum b{display:block;margin-top:1px;font-size:14.5px;font-weight:600;font-variant-numeric:tabular-nums;white-space:nowrap}
.calc__pmi{padding:8px 12px;border-radius:12px;background:var(--maroon-soft);color:var(--maroon);font-size:12.5px;font-weight:600;line-height:1.35}
.calc__pmi[hidden]{display:none}
.calc__more .btn--block{height:54px;margin-top:2px;font-size:17px}
.calc__foot{display:flex;align-items:flex-start;justify-content:space-between;gap:12px}
.calc__foot p{font-size:12px;line-height:1.4;color:var(--muted)}
.calc__reset{flex:none;padding:2px 4px;font-size:13px;font-weight:600;color:var(--blue-deep);text-decoration:underline;text-underline-offset:3px}

/* fields */
.cf__row{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:6px}
.cf__row label,.cf__row>span:first-child{font-size:15px;font-weight:600}
.cf__pair{display:flex;gap:6px}
.money{display:flex;align-items:center;gap:2px;width:136px;height:44px;padding:0 12px;border-radius:14px 3px 14px 3px;background:#F8FAFC;box-shadow:inset 0 0 0 1.5px var(--line);transition:box-shadow .2s,background .2s}
.money--s{width:88px}
.money--m{width:122px}
.cf__pair .money:first-child{width:92px}
.cf__pair .money--s{width:72px}
.cf__row label,.cf__row>span:first-child{white-space:nowrap}
.money:focus-within{background:#fff;box-shadow:inset 0 0 0 2px var(--blue),0 0 0 4px rgba(37,99,235,.14)}
.money i{font-style:normal;color:var(--muted);font-size:14.5px;white-space:nowrap}
.money input{flex:1;min-width:0;width:100%;height:100%;border:0;background:transparent;font:inherit;font-size:16px;font-weight:600;color:var(--ink);font-variant-numeric:tabular-nums;outline:none;text-align:right;-webkit-appearance:none;appearance:none}
.money i:first-child{margin-right:2px}

.rng{-webkit-appearance:none;appearance:none;display:block;width:100%;height:30px;margin:0;background:transparent;cursor:pointer;--p:0%;touch-action:pan-y}
.rng::-webkit-slider-runnable-track{height:8px;border-radius:99px;background:linear-gradient(90deg,var(--blue) var(--p),#E2E8F0 var(--p))}
.rng::-moz-range-track{height:8px;border-radius:99px;background:linear-gradient(90deg,var(--blue) var(--p),#E2E8F0 var(--p))}
.rng::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;margin-top:-10px;border-radius:50%;background:#fff;border:4px solid var(--blue);box-shadow:0 5px 12px rgba(37,99,235,.35);transition:transform .15s}
.rng::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:#fff;border:4px solid var(--blue);box-shadow:0 5px 12px rgba(37,99,235,.35)}
.rng:active::-webkit-slider-thumb{transform:scale(1.15)}
.rng:focus-visible{outline:none}
.rng:focus-visible::-webkit-slider-thumb{box-shadow:0 0 0 5px rgba(37,99,235,.25),0 5px 12px rgba(37,99,235,.35)}

.seg{display:grid;grid-template-columns:repeat(3,1fr);gap:5px;padding:5px;border-radius:18px 4px 18px 4px;background:#F1F5F9}
.seg label{position:relative;display:block;cursor:pointer}
.seg input{position:absolute;inset:0;opacity:0;margin:0;cursor:pointer}
.seg span{display:grid;place-items:center;height:40px;border-radius:13px 3px 13px 3px;font-size:15px;font-weight:600;color:var(--muted);transition:background .2s,color .2s,box-shadow .2s}
.seg input:checked+span{background:#fff;color:var(--ink);box-shadow:0 2px 8px rgba(30,41,59,.14)}
.seg input:focus-visible+span{outline:3px solid var(--blue);outline-offset:1px}

.cf--toggle{grid-column:1/-1;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px 24px;padding-top:20px;border-top:1px solid var(--line)}
.sw{display:flex;align-items:center;gap:14px;cursor:pointer;-webkit-tap-highlight-color:transparent}
.sw input{position:absolute;opacity:0;width:1px;height:1px}
.sw__track{position:relative;flex:none;width:52px;height:30px;border-radius:99px;background:#CBD5E1;transition:background .25s}
.sw__track i{position:absolute;left:3px;top:3px;width:24px;height:24px;border-radius:50%;background:#fff;box-shadow:0 2px 6px rgba(30,41,59,.3);transition:transform .25s cubic-bezier(.3,.9,.3,1.2)}
.sw input:checked+.sw__track{background:var(--blue)}
.sw input:checked+.sw__track i{transform:translateX(22px)}
.sw input:focus-visible+.sw__track{outline:3px solid var(--blue);outline-offset:3px}
.sw__txt b{display:block;font-size:15px;font-weight:600;line-height:1.2}
.sw__txt small{font-size:13px;color:var(--muted)}
.extra{display:grid;grid-template-columns:1fr;transition:opacity .3s,transform .3s}
.extra__in{display:flex;flex-wrap:wrap;gap:12px 22px}
.extra__in .cf__row{margin:0;gap:10px}
.extra.is-off{opacity:.35;pointer-events:none}

/* tablet and phone: stack, keep the payment pinned while adjusting */
@media (max-width:1019px){
  .calc{padding:96px 20px 104px}
  .calc__card{display:flex;flex-direction:column;gap:22px;max-width:620px;margin:0 auto;padding:24px}
  .calc__panel{display:contents}
  .calc__result{order:1;position:sticky;top:78px;z-index:5;padding:14px 18px;border-radius:26px 4px 26px 4px;background:linear-gradient(135deg,#EAF1FF 0%,#FEF6D8 100%);box-shadow:0 14px 24px -16px rgba(30,41,59,.35),inset 0 0 0 1px rgba(255,255,255,.85)}
  .calc__fields{order:2;padding:0}
  .calc__more{order:3;padding:18px;border-radius:30px 4px 30px 4px;background:linear-gradient(150deg,#EAF1FF 0%,#FEF6D8 100%)}
}
@media (max-width:699px){
  .calc{padding:84px 14px 92px}
  .calc__head{margin-bottom:32px}
  .calc__card{padding:16px 14px 18px;border-radius:0 44px 0 44px;gap:20px}
  .calc__result{gap:14px;padding:12px 14px}
  .donut{width:84px;height:84px}
  .donut__in svg{width:30px;height:30px;padding:7px}
  .calc__total b{font-size:34px}
  .calc__total span{font-size:13px}
  .calc__total small{font-size:12.5px}
  .calc__fields{grid-template-columns:1fr;gap:20px}
  .calc__deco--a{width:90px;height:90px;top:-22px;right:-8px}
  .calc__deco--b{width:100px;height:100px;left:-8px;bottom:-20px}
  .money{width:128px}
  .cf__pair .money:first-child{width:104px}
  .money--s{width:96px}
  .money input{font-size:15.5px}
  .sc{flex:1 1 calc(50% - 5px)}
  .calc__more{padding:14px}
}

/* ---------- Reviews ---------- */
.reviews{position:relative;overflow:clip;padding:116px 0 124px;background:#fff}
.reviews::before{content:"";position:absolute;inset:0;pointer-events:none;z-index:0;background:
  radial-gradient(40% 26% at 6% 8%,rgba(254,243,199,.6),transparent 72%),
  radial-gradient(38% 28% at 96% 30%,rgba(219,231,255,.6),transparent 72%),
  radial-gradient(40% 24% at 40% 100%,rgba(247,221,229,.5),transparent 72%)}
.reviews__head,.rvwrap{position:relative;z-index:1}
.reviews__head{max-width:1120px;margin:0 auto 48px;padding:0 20px;display:flex;align-items:flex-end;justify-content:space-between;gap:36px}
.reviews__title{margin-top:18px;max-width:640px;font-weight:600;font-size:clamp(32px,4.8vw,54px);line-height:1.04;letter-spacing:-.03em}
.reviews__text{margin-top:16px;max-width:440px;color:var(--muted);font-size:clamp(17px,1.9vw,19px)}
.reviews__score{display:flex;align-items:center;gap:14px;flex:none;padding:14px 22px 14px 18px;border-radius:24px 4px 24px 4px;background:#fff;box-shadow:0 0 0 1px var(--line),0 16px 28px -18px rgba(30,41,59,.3)}
.reviews__score>b{font-size:44px;line-height:1;font-weight:600;letter-spacing:-.03em}
.reviews__score small{display:block;margin-top:4px;font-size:13px;color:var(--muted)}
.stars{display:inline-flex;gap:2px;color:var(--yellow)}
.stars svg{width:18px;height:18px}

.rvview{--pad:max(20px,calc((100vw - 1120px)/2));overflow-x:auto;overflow-y:hidden;scroll-snap-type:x mandatory;scroll-padding-inline:var(--pad);padding:6px var(--pad) 26px;scrollbar-width:none;-ms-overflow-style:none;cursor:grab;-webkit-overflow-scrolling:touch;overscroll-behavior-x:contain;user-select:none;-webkit-user-select:none}
.rvview::-webkit-scrollbar{display:none}
.rvview.is-drag{cursor:grabbing;scroll-snap-type:none}
.rvview:focus-visible{outline-offset:-4px}
.rvtrack{display:flex;gap:16px;width:max-content}
.rv{--r:76px;--acc:var(--blue);position:relative;flex:none;display:flex;flex-direction:column;width:clamp(290px,31vw,372px);min-height:430px;padding:30px 28px 26px;scroll-snap-align:start;color:var(--ink);box-shadow:0 0 0 1px rgba(30,41,59,.05)}
.rv__q{width:46px;height:36px;color:var(--acc)}
.rv p{margin-top:24px;font-size:clamp(19px,2vw,22px);line-height:1.34;letter-spacing:-.01em;font-weight:500}
.rv footer{display:flex;flex-wrap:wrap;align-items:center;gap:12px;margin-top:auto;padding-top:28px}
.rv footer img{width:54px;height:54px;border-radius:50%;object-fit:cover;flex:none;box-shadow:0 0 0 3px #fff}
.rv footer b{display:block;font-weight:600;font-size:17px;line-height:1.2}
.rv footer div span{font-size:13.5px;color:var(--muted)}
.rv footer .stars{flex-basis:100%;margin-top:2px}
.rv--1{--acc:var(--blue);border-radius:var(--r) 0 var(--r) 0;background:linear-gradient(160deg,#D3E1FF 0%,#EAF1FF 50%,#FAFCFF 100%)}
.rv--2{--acc:#D97706;border-radius:0 var(--r) 0 var(--r);background:linear-gradient(160deg,#FDEBB0 0%,#FEF5D3 50%,#FFFDF5 100%)}
.rv--3{--acc:#16A34A;border-radius:var(--r) 0 0 0;background:linear-gradient(160deg,#C9F2D8 0%,#E3F8EA 50%,#FAFEFB 100%)}
.rv--4{--acc:var(--maroon);border-radius:0 var(--r) 0 0;background:linear-gradient(160deg,#F1CAD6 0%,#F9E4EA 50%,#FFF9FA 100%)}
.rv--5{--acc:#4F46E5;border-radius:0 0 var(--r) 0;background:linear-gradient(160deg,#D9DBFB 0%,#ECEDFD 50%,#FBFBFF 100%)}
.rv--6{--acc:#0D9488;border-radius:0 0 0 var(--r);background:linear-gradient(160deg,#C4F1EA 0%,#E0F8F4 50%,#F9FEFD 100%)}

.reviews__nav{display:flex;justify-content:flex-end;gap:10px;max-width:1120px;margin:0 auto;padding:0 20px}
.mnav[disabled]{opacity:.4;pointer-events:none}

@media (max-width:1019px){
  .reviews{padding:96px 0 104px}
  .reviews__head{flex-direction:column;align-items:flex-start;gap:26px}
}
@media (max-width:699px){
  .reviews{padding:84px 0 88px}
  .reviews__head{padding:0 16px;margin-bottom:34px}
  .rvview{--pad:16px}
  .rv{--r:56px;width:min(82vw,330px);min-height:410px;padding:26px 22px 22px}
  .reviews__nav{display:none}
  .reviews__score>b{font-size:38px}
}

/* ---------- FAQ ---------- */
.faq{position:relative;overflow:clip;padding:116px 20px 112px;background:#fff}
.faq::before{content:"";position:absolute;inset:0;pointer-events:none;z-index:0;background:
  radial-gradient(40% 28% at 4% 14%,rgba(254,243,199,.6),transparent 72%),
  radial-gradient(40% 30% at 98% 60%,rgba(219,231,255,.6),transparent 72%),
  radial-gradient(36% 22% at 30% 102%,rgba(220,252,231,.55),transparent 72%)}
.faq__inner{position:relative;z-index:1;max-width:1120px;margin:0 auto;display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:72px;align-items:start}
.faq__intro{position:sticky;top:116px}
.faq__title{margin-top:18px;font-weight:600;font-size:clamp(34px,4.8vw,56px);line-height:1.04;letter-spacing:-.03em}
.faq__lead{margin-top:16px;max-width:400px;color:var(--muted);font-size:clamp(17px,1.9vw,19px)}
.fmos{display:grid;gap:2px}
.fmos{grid-template-columns:repeat(3,1fr);max-width:360px;margin-top:34px}
.ft{position:relative;aspect-ratio:1;overflow:hidden}
.faq__cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:30px}

.faq__list{display:grid;gap:12px}
.fq{--tint:var(--blue-soft);--acc:var(--blue);border-radius:26px 4px 26px 4px;background:#fff;box-shadow:inset 0 0 0 1.5px var(--line);transition:background .35s,box-shadow .35s}
.fq--2{--tint:#FEF3C7;--acc:#D97706}
.fq--3{--tint:#DCFCE7;--acc:#16A34A}
.fq--4{--tint:#F7DDE5;--acc:var(--maroon)}
.fq--5{--tint:#E0E1FB;--acc:#4F46E5}
.fq--6{--tint:#CDF3EE;--acc:#0D9488}
.fq:hover{box-shadow:inset 0 0 0 1.5px #BFD0F9}
.fq.is-open{background:linear-gradient(160deg,var(--tint) 0%,#fff 130%);box-shadow:inset 0 0 0 1.5px transparent,0 22px 34px -26px rgba(30,41,59,.35)}
.fq h3{margin:0}
.fq__q{display:flex;align-items:center;justify-content:space-between;gap:18px;width:100%;padding:20px 20px 20px 26px;text-align:left;font-weight:600;font-size:clamp(17px,1.9vw,19px);line-height:1.3;letter-spacing:-.01em;-webkit-tap-highlight-color:transparent;border-radius:inherit}
.fq__ico{display:grid;place-items:center;flex:none;width:40px;height:40px;border-radius:14px 3px 14px 3px;background:var(--tint);color:var(--acc);transition:transform .35s cubic-bezier(.3,.9,.3,1.2),background .3s,color .3s}
.fq__ico svg{width:18px;height:18px}
.fq.is-open .fq__ico{transform:rotate(135deg);background:var(--acc);color:#fff}
.fq__a{display:grid;grid-template-rows:0fr;transition:grid-template-rows .4s cubic-bezier(.3,.8,.2,1)}
.fq.is-open .fq__a{grid-template-rows:1fr}
.fq__a>div{overflow:hidden;min-height:0}
.fq__a p{padding:0 76px 24px 26px;color:var(--muted);font-size:16px;line-height:1.55}

/* ---------- Contact ---------- */
.contact{position:relative;overflow:clip;padding:112px 20px 120px;background:#fff}
.contact::before{content:"";position:absolute;inset:0;pointer-events:none;z-index:0;background:
  radial-gradient(40% 26% at 96% 8%,rgba(220,252,231,.6),transparent 72%),
  radial-gradient(40% 30% at 2% 46%,rgba(219,231,255,.6),transparent 72%),
  radial-gradient(36% 22% at 70% 78%,rgba(247,221,229,.5),transparent 72%)}
.contact__inner{position:relative;z-index:1;max-width:1120px;margin:0 auto;display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:72px;align-items:center}
.contact__title{margin-top:18px;font-weight:600;font-size:clamp(34px,4.8vw,56px);line-height:1.04;letter-spacing:-.03em}
.contact__lead{margin-top:18px;max-width:440px;color:var(--muted);font-size:clamp(17px,1.9vw,19px)}
.cinfo{display:grid;gap:18px;margin-top:34px}
.cinfo li{display:flex;align-items:center;gap:14px}
.cinfo .tile--sm{--s:46px;color:#fff}
.cinfo small{display:block;font-size:13px;color:var(--muted);line-height:1.2}
.cinfo a,.cinfo div>span{display:block;font-weight:600;font-size:17px;line-height:1.3;overflow-wrap:anywhere}
.cinfo a:hover{color:var(--blue-deep)}

.contact__wrap{position:relative}
.cform{position:relative;z-index:1;padding:34px 32px 30px;border-radius:64px 0 64px 0;background:
  radial-gradient(60% 34% at 100% 0%,rgba(254,243,199,.65),transparent 70%),
  radial-gradient(60% 34% at 0% 100%,rgba(219,231,255,.6),transparent 70%),#fff;
  box-shadow:0 0 0 1px rgba(226,232,240,.9),0 40px 70px -34px rgba(30,41,59,.45)}
.cform__title{font-weight:600;font-size:26px;line-height:1.1;letter-spacing:-.02em;margin:0 0 20px 8px}
.cform__grid{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
.field--wide{grid-column:1/-1}
.cform select,.cform textarea{display:block;width:100%;border:0;border-radius:16px;background:#F8FAFC;box-shadow:inset 0 0 0 1.5px var(--line);font:inherit;font-size:16px;color:var(--ink);transition:box-shadow .2s,background .2s;-webkit-appearance:none;appearance:none}
.cform select{height:56px;padding:0 44px 0 16px;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m6 9 6 6 6-6' fill='none' stroke='%231E293B' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:20px;cursor:pointer}
.cform textarea{min-height:96px;padding:14px 16px;resize:none;line-height:1.45}
.cform textarea::placeholder{color:#94A3B8}
.cform select:focus,.cform textarea:focus{outline:none;background-color:#fff;box-shadow:inset 0 0 0 2px var(--blue),0 0 0 4px rgba(37,99,235,.14)}
.cform__submit{height:58px;margin-top:6px;position:relative}
.cform__submit.is-busy span{opacity:0}
.cform__submit.is-busy::after{content:"";position:absolute;width:22px;height:22px;border-radius:50%;border:3px solid rgba(255,255,255,.4);border-top-color:#fff;animation:t16-spin .7s linear infinite}
.cform .lead__fine{margin:14px 6px 0;text-align:center}
.cform__done{display:grid;justify-items:center;text-align:center;gap:10px;padding:26px 6px}
.cform__done[hidden]{display:none}
.cform__done h3{font-weight:600;font-size:28px;letter-spacing:-.02em}
.cform__done p{max-width:340px;color:var(--muted)}
.cform__done .btn{margin-top:10px}


@media (max-width:1019px){
  .faq{padding:96px 20px 96px}
  .faq__inner,.contact__inner{grid-template-columns:minmax(0,1fr);gap:48px}
  .faq__intro{position:static}
  .contact{padding:96px 20px 104px}
  .contact__wrap{max-width:620px;width:100%;margin:0 auto}
}
@media (max-width:699px){
  .faq{padding:84px 16px 84px}
  .faq__inner{gap:40px}
  .fmos{max-width:300px}
  .fq__q{padding:16px 14px 16px 20px;gap:12px}
  .fq__a p{padding:0 20px 20px;font-size:15.5px}
  .contact{padding:84px 16px 88px}
  .cform{padding:26px 18px 22px;border-radius:44px 0 44px 0}
  .cform__title{margin-left:4px}
  .cform__grid{grid-template-columns:1fr}
  .contact .calc__deco--a{width:90px;height:90px;top:-22px;right:-8px}
  .contact .calc__deco--b{width:100px;height:100px;left:-8px;bottom:-20px}
}

/* ---------- Back to top ---------- */
.totop{position:fixed;right:max(20px,env(safe-area-inset-right));bottom:max(20px,env(safe-area-inset-bottom));z-index:40;display:grid;place-items:center;width:54px;height:54px;border-radius:50%;color:#fff;background:linear-gradient(145deg,#3B82F6,var(--blue-deep));box-shadow:0 16px 28px -10px rgba(37,99,235,.6),inset 0 1.5px 0 rgba(255,255,255,.35);opacity:0;visibility:hidden;transform:translateY(14px) scale(.9);transition:opacity .3s ease,transform .35s cubic-bezier(.2,.9,.3,1.2),visibility .3s,box-shadow .25s;-webkit-tap-highlight-color:transparent}
.totop svg{width:22px;height:22px;transform:rotate(-90deg);transition:transform .3s}
.totop.is-show{opacity:1;visibility:visible;transform:none}
.totop:hover{box-shadow:0 20px 32px -10px rgba(37,99,235,.7),inset 0 1.5px 0 rgba(255,255,255,.35)}
.totop:hover svg{transform:rotate(-90deg) translateX(3px)}
.totop:active{transform:scale(.92)}
html.lead-open .totop{opacity:0;visibility:hidden}
@media (max-width:699px){.totop{width:50px;height:50px;right:max(14px,env(safe-area-inset-right));bottom:max(14px,env(safe-area-inset-bottom))}}

/* ---------- Footer ---------- */
.foot{--mos:clamp(72px,9vw,150px);position:relative;overflow:hidden;margin:0 16px 16px;padding:calc(var(--mos) + 28px) 32px 0;border-radius:0 96px 0 96px;background:
  radial-gradient(50% 40% at 90% 0%,rgba(254,243,199,.7),transparent 72%),
  radial-gradient(50% 40% at 6% 70%,rgba(219,231,255,.8),transparent 72%),
  linear-gradient(180deg,#F4F8FF 0%,#FBF3F6 100%);box-shadow:inset 0 0 0 1px rgba(226,232,240,.8)}
.foot__mos{position:absolute;z-index:0;pointer-events:none;height:auto}
.foot__mos--tr{top:0;right:0;width:var(--mos)}
.foot__mos--bl{bottom:0;left:0;width:clamp(140px,18vw,260px);opacity:.8}
.foot__inner{position:relative;z-index:1;max-width:1120px;margin:0 auto}
.foot__top{display:grid;grid-template-columns:minmax(0,1.5fr) repeat(3,minmax(0,1fr));gap:48px}
.foot__logo{display:inline-flex;align-items:center;gap:12px}
.foot__logo .nav__brand{pointer-events:none}
.foot__logo b{font-weight:600;font-size:20px;letter-spacing:-.01em}
.foot__brand p{max-width:360px;margin-top:20px;color:var(--muted);font-size:16.5px;line-height:1.5}
.foot__cta{display:flex;flex-wrap:wrap;gap:10px;margin-top:26px}
.foot__col h3{font-size:14px;font-weight:600;color:var(--muted);margin-bottom:16px;letter-spacing:.01em}
.foot__col ul{display:grid;gap:11px}
.foot__col li{font-size:16px;line-height:1.4;font-weight:500}
.foot__col a{transition:color .2s}
.foot__col a:hover{color:var(--blue)}
.foot__col--contact li{color:var(--muted);font-weight:400}
.foot__col--contact a{color:var(--ink);font-weight:500;overflow-wrap:anywhere}
.foot__legal{display:flex;align-items:flex-start;justify-content:space-between;gap:24px;margin-top:64px;padding-top:24px;border-top:1px solid rgba(30,41,59,.1);font-size:13.5px;line-height:1.5;color:var(--muted)}
.foot__legal p:first-child{max-width:640px}
.foot__links{display:flex;gap:20px;flex:none}
.foot__links a:hover{color:var(--ink)}

.foot__word{position:relative;z-index:1;margin:30px 0 -.11em;text-align:center;font-weight:700;font-size:clamp(40px,12.8vw,230px);line-height:.86;letter-spacing:-.045em;white-space:nowrap;user-select:none;-webkit-user-select:none;background:linear-gradient(180deg,#1E293B 5%,#2563EB 68%,#9DBBF9 100%);-webkit-background-clip:text;background-clip:text;color:transparent}

@media (max-width:1019px){
  .foot{padding:calc(var(--mos) + 24px) 28px 0;border-radius:0 72px 0 72px}
  .foot__word{font-size:12.4vw}
  .foot__top{grid-template-columns:repeat(3,minmax(0,1fr));gap:40px 32px}
  .foot__brand{grid-column:1/-1}
  .foot__brand p{max-width:480px}
  .foot__legal{flex-direction:column;gap:14px;margin-top:48px}
}
@media (max-width:699px){
  .foot{--mos:68px;margin:0 10px 10px;padding:calc(var(--mos) + 22px) 20px 0;border-radius:0 52px 0 52px}
  .foot__word{font-size:11.6vw}
  .foot__top{grid-template-columns:1fr 1fr;gap:36px 20px}
  .foot__col--contact{grid-column:1/-1}
  .foot__cta .btn{flex:1 1 200px}
  .foot__legal{margin-top:40px}
  .foot__word{margin-top:24px}
}

@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation:none!important;transition:none!important}
  .reveal,.m{opacity:1;transform:none}
  html{scroll-behavior:auto}
}