/* ============================================================================
   Gateway Capital Mortgage Group — v2 homepage styles
   Palette pulled from the logo: deep crimson + black on warm white.
   Original layout; not a clone of any reference site.
   ========================================================================== */
:root{
  --crimson:#900F24; --crimson-d:#6E0B1B; --crimson-2:#B21836;
  --ink:#1A1618; --charcoal:#241F21; --charcoal-2:#372E30;
  --muted:#6B5C60;
  --bg:#ffffff; --cream:#FBF7F2; --cream-2:#F3EAE2;
  --rose:#FDF7F8; --rose-2:#F8E9EC; --rose-3:#F2DBE0;
  --line:#ECE0E2;
  --radius:16px; --radius-lg:22px;
  --shadow:0 18px 44px rgba(36,31,33,.16);
  --shadow-sm:0 8px 22px rgba(36,31,33,.10);
  --maxw:1200px;
  --disp:"Archivo",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --body:"Manrope",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--body);color:var(--ink);background:var(--bg);line-height:1.55;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
h1,h2,h3{font-family:var(--disp);font-weight:800;letter-spacing:-.01em;line-height:1.02;color:var(--charcoal)}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-family:var(--body);
  font-weight:800;font-size:1rem;padding:14px 26px;border-radius:999px;border:2px solid transparent;
  cursor:pointer;transition:.16s ease;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-cta{background:var(--crimson);color:#fff;border-color:var(--crimson)}
.btn-cta:hover{background:var(--crimson-d);border-color:var(--crimson-d)}
.btn-dark{background:var(--charcoal);color:#fff;border-color:var(--charcoal)}
.btn-dark:hover{background:var(--charcoal-2);border-color:var(--charcoal-2)}
.btn-outline{background:transparent;color:var(--crimson);border-color:var(--crimson)}
.btn-outline:hover{background:var(--crimson);color:#fff}
.btn-white{background:#fff;color:var(--crimson);border-color:#fff}
.btn-white:hover{background:var(--rose-2)}
.btn-sm{padding:10px 18px;font-size:.92rem}

/* ---------- header ---------- */
.site-head{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.95);backdrop-filter:saturate(1.2) blur(8px);
  border-bottom:1px solid var(--line)}
.head-row{display:flex;align-items:center;gap:22px;padding:12px 24px;max-width:var(--maxw);margin:0 auto}
.brand{display:flex;align-items:center;flex:0 0 auto}
.brand img{height:46px;width:auto}
.mainnav{display:flex;align-items:center;gap:26px;margin-left:14px}
.mainnav a{font-weight:700;font-size:.96rem;color:var(--ink);padding:6px 0;border-bottom:2px solid transparent}
.mainnav a:hover{color:var(--crimson);border-bottom-color:var(--crimson)}
.head-cta{display:flex;align-items:center;gap:10px;margin-left:auto}
.menu-btn{display:none;background:#fff;border:2px solid var(--crimson);border-radius:999px;padding:9px 16px;font-weight:800;color:var(--crimson);cursor:pointer;align-items:center;gap:8px}
@media(max-width:1024px){
  .mainnav{display:none}
  .head-cta .btn:not(.menu-btn){display:none}
  .menu-btn{display:inline-flex}
  .brand img{height:40px}
}

/* ---------- follow-along call/quote bar ---------- */
.floatbar{position:fixed;right:18px;bottom:18px;z-index:70;display:flex;gap:10px;
  background:#fff;padding:8px;border-radius:999px;box-shadow:var(--shadow)}
.floatbar .btn{padding:12px 20px}
@media(max-width:560px){
  .floatbar{left:12px;right:12px;bottom:12px;justify-content:center}
  .floatbar .btn{flex:1}
}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;
  background:radial-gradient(1200px 620px at 50% -12%, #ffffff 0%, var(--rose) 45%, var(--rose-2) 100%)}
.hero .wrap{position:relative;padding:56px 24px 66px}
.hero-head{text-align:center;max-width:900px;margin:0 auto}
.hero h1{font-size:clamp(2.5rem,5.6vw,4.4rem);font-weight:800;text-transform:uppercase;letter-spacing:-.02em;line-height:.98;color:var(--charcoal)}
.hero h1 .hl{background:linear-gradient(180deg,var(--crimson),var(--crimson-2));color:#fff;padding:0 .16em;border-radius:6px;
  white-space:nowrap;box-decoration-break:clone;-webkit-box-decoration-break:clone}
.hero-sub{margin:22px auto 0;width:min(1080px,100%);display:flex;justify-content:center;align-items:center;
  flex-wrap:wrap;gap:2px 0;font-size:clamp(1.1rem,2.5vw,1.6rem);font-weight:800;color:var(--charcoal);letter-spacing:.005em}
.hero-sub .dot{color:var(--crimson);margin:0 clamp(12px,2.4vw,30px);font-weight:900}
@media(max-width:560px){.hero-sub{font-size:1.02rem}.hero-sub .dot{margin:0 10px}}
.hero-stage{margin-top:30px;display:flex;justify-content:center}

/* ---------- calculator (light, branded) ---------- */
.calc{width:min(560px,100%);background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);
  box-shadow:var(--shadow);overflow:hidden}
.calc-head{display:flex;align-items:center;justify-content:space-between;gap:12px;
  background:linear-gradient(100deg,var(--crimson),var(--crimson-d));color:#fff;padding:16px 22px}
.calc-title{display:flex;align-items:center;gap:10px;font-family:var(--disp);font-weight:800;text-transform:uppercase;letter-spacing:.02em;font-size:1.05rem}
.calc-title .gate{width:20px;height:20px;flex:0 0 auto}
.calc-head .chip{background:rgba(255,255,255,.16);border:1px solid rgba(255,255,255,.28);border-radius:999px;
  padding:5px 12px;font-size:.74rem;font-weight:800;white-space:nowrap}
.calc-body{padding:22px}
.calc-state{display:flex;align-items:center;gap:8px;font-size:.76rem;font-weight:800;letter-spacing:.1em;
  text-transform:uppercase;color:var(--muted);margin-bottom:16px}
.calc-state::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--crimson)}
.f-field{margin-bottom:18px}
.f-field:last-of-type{margin-bottom:0}
.f-label{font-weight:800;font-size:.86rem;color:var(--charcoal);margin-bottom:8px;display:flex;justify-content:space-between;align-items:baseline}
.f-label .val{color:var(--crimson);font-family:var(--disp);font-size:1.05rem}
.f-input,.f-select{width:100%;border:1.5px solid var(--line);border-radius:11px;padding:13px 14px;
  font-size:1.02rem;font-weight:700;color:var(--charcoal);font-family:var(--body);background:#fff}
.f-input:focus,.f-select:focus{outline:none;border-color:var(--crimson);box-shadow:0 0 0 3px rgba(144,15,36,.14)}
.f-pre{position:relative}
.f-pre input{padding-left:28px}
.f-pre .pre{position:absolute;left:13px;top:50%;transform:translateY(-50%);font-weight:800;color:var(--muted)}
.f-inline{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.seg{display:grid;grid-template-columns:repeat(3,1fr);border:1.5px solid var(--line);border-radius:11px;overflow:hidden}
.seg label{cursor:pointer}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg span{display:block;text-align:center;padding:12px 6px;font-weight:800;color:var(--muted);font-size:.95rem;border-right:1.5px solid var(--line)}
.seg label:last-child span{border-right:none}
.seg input:checked + span{background:var(--crimson);color:#fff}
/* range slider */
.rng{-webkit-appearance:none;appearance:none;width:100%;height:8px;border-radius:999px;
  background:linear-gradient(90deg,var(--crimson) 0 var(--fill,20%),var(--rose-3) var(--fill,20%) 100%);outline:none;margin-top:6px}
.rng::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;
  border:4px solid var(--crimson);cursor:pointer;box-shadow:0 2px 6px rgba(36,31,33,.25)}
.rng::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:#fff;border:4px solid var(--crimson);cursor:pointer}
.calc-cta{width:100%;margin-top:20px}
.calc-foot{text-align:center;font-size:.78rem;color:var(--muted);margin-top:12px}

/* calculator live result */
.cresult{padding:22px}
.cr-top{display:flex;justify-content:space-between;align-items:baseline;flex-wrap:wrap;gap:8px;
  border-bottom:1px solid var(--line);padding-bottom:14px;margin-bottom:16px}
.cr-prog{font-family:var(--disp);font-weight:800;text-transform:uppercase;color:var(--charcoal);font-size:1.15rem}
.cr-tag{font-size:.78rem;font-weight:800;color:var(--muted)}
.cr-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px 18px}
.cr-cell .k{font-size:.72rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.cr-cell .v{font-family:var(--disp);font-weight:800;font-size:1.55rem;color:var(--crimson);line-height:1.1}
.cr-cell .v small{font-family:var(--body);font-size:.8rem;font-weight:800;color:var(--muted)}
.cr-cta{margin-top:18px;display:flex;gap:10px;flex-wrap:wrap}

/* reviews badge */
.gbadge{margin:26px auto 0;width:max-content;max-width:100%;background:#fff;border:1px solid var(--line);box-shadow:var(--shadow-sm);
  border-radius:999px;padding:12px 22px;display:flex;align-items:center;gap:12px;font-weight:800;color:var(--charcoal);flex-wrap:wrap;justify-content:center}
.gbadge .score{font-family:var(--disp);font-size:1.2rem;color:var(--crimson)}
.gbadge .stars{color:#E8A33D;letter-spacing:1px}
.gbadge .cnt{color:var(--muted);font-weight:700}
.gbadge .glogo b:nth-child(1){color:#4285F4}.gbadge .glogo b:nth-child(2){color:#EA4335}
.gbadge .glogo b:nth-child(3){color:#FBBC05}.gbadge .glogo b:nth-child(4){color:#4285F4}
.gbadge .glogo b:nth-child(5){color:#34A853}.gbadge .glogo b:nth-child(6){color:#EA4335}

/* BBB seal under the reviews badge */
.bbb-seal{margin:14px auto 0;text-align:center}
.bbb-seal a{display:inline-block;line-height:0}
.bbb-seal img{display:inline-block;height:56px;width:auto;border:0}

/* ---------- section header ---------- */
section{padding:76px 0}
.sec-head{text-align:center;max-width:760px;margin:0 auto 42px}
.kicker{font-weight:900;letter-spacing:.14em;text-transform:uppercase;font-size:.8rem;color:var(--crimson);margin-bottom:12px}
.sec-head h2{font-size:clamp(2rem,4vw,3rem);text-transform:uppercase}
.sec-head p{margin-top:14px;color:var(--muted);font-size:1.1rem}

/* ---------- loan programs grid (original treatment) ---------- */
.programs{background:var(--cream)}
.prog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:900px){.prog-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.prog-grid{grid-template-columns:1fr}}
.prog-card{position:relative;background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px 24px;
  overflow:hidden;transition:.18s ease}
.prog-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:5px;background:var(--crimson);
  transform:scaleY(0);transform-origin:top;transition:.2s ease}
.prog-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--rose-3)}
.prog-card:hover::before{transform:scaleY(1)}
.prog-ico{width:52px;height:52px;border-radius:13px;background:var(--rose-2);color:var(--crimson);
  display:grid;place-items:center;margin-bottom:16px}
.prog-ico svg{width:26px;height:26px}
.prog-card h3{font-size:1.2rem;text-transform:uppercase;color:var(--charcoal);margin-bottom:6px}
.prog-card p{color:var(--muted);font-size:.96rem;margin-bottom:14px}
.prog-more{font-weight:800;font-size:.9rem;color:var(--crimson);display:inline-flex;align-items:center;gap:6px}
.prog-card:hover .prog-more{gap:10px}

/* ---------- rates section ---------- */
.rates{background:#fff}
.rates-panel{background:var(--rose);border:1px solid var(--line);border-radius:var(--radius-lg);padding:26px}
.scenario-bar{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;background:#fff;border:1px solid var(--line);
  border-radius:14px;padding:16px 20px;margin-bottom:16px;flex-wrap:wrap}
.prog-toggle{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-bottom:18px}
.prog-toggle label{cursor:pointer}
.prog-toggle .pt{background:#fff;border:1.5px solid var(--line);border-radius:13px;padding:14px 16px;transition:.15s}
.prog-toggle .pt .pn{font-family:var(--disp);font-weight:800;text-transform:uppercase;color:var(--charcoal);font-size:1rem}
.prog-toggle .pt .pd{font-size:.82rem;color:var(--muted);margin-top:2px}
.rate-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
@media(max-width:760px){.rate-grid{grid-template-columns:1fr}.prog-toggle{grid-template-columns:1fr}}
.rate-card{background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:24px}
.rate-card .rc-kind{font-weight:900;letter-spacing:.08em;text-transform:uppercase;font-size:.72rem;color:var(--muted)}
.rate-card h3{font-size:1.35rem;text-transform:uppercase;margin:2px 0 4px;color:var(--charcoal)}
.rate-card .rc-desc{color:var(--muted);font-size:.9rem;margin-bottom:16px}
.rc-nums{display:grid;grid-template-columns:1fr 1fr;gap:8px;border-top:1px solid var(--line);padding-top:16px}
.rc-nums .k{font-size:.72rem;font-weight:800;letter-spacing:.05em;text-transform:uppercase;color:var(--muted)}
.rc-nums .big{font-family:var(--disp);font-weight:800;font-size:2rem;color:var(--crimson);line-height:1}
.rc-pts{font-size:.84rem;font-weight:800;color:var(--charcoal);margin:14px 0;padding:8px 12px;background:#fff;border:1px solid var(--line);border-radius:9px;display:inline-block}
.rc-line{display:flex;justify-content:space-between;padding:9px 0;border-top:1px solid var(--line);font-size:.95rem}
.rc-line .k{color:var(--muted);font-weight:700}
.rc-line .v{font-weight:800;color:var(--charcoal)}
.rate-card .btn{width:100%;margin-top:16px}
.rates-note{color:var(--muted);font-size:.82rem;line-height:1.6;margin-top:18px;text-align:center}
.rates-cta{text-align:center;margin-top:22px}

@media(max-width:520px){
  .hero h1{font-size:2.1rem}
  .cr-grid{grid-template-columns:1fr 1fr}
}

/* ============================ v2 additions ============================ */
/* mobile nav */
@media(max-width:1024px){
  .mainnav.open{display:flex;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:flex-start;
    gap:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow);padding:8px 24px 14px}
  .mainnav.open a{width:100%;padding:12px 0;border-bottom:1px solid var(--line)}
}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.6)}
.btn-ghost:hover{background:#fff;color:var(--crimson);border-color:#fff}
.btn-plain{background:transparent;border-color:transparent;color:var(--muted);font-weight:700}
.btn-plain:hover{color:var(--crimson)}
.kicker.light{color:#f4c9d1}

/* rate program toggle (moved out of inline) */
.prog-radio{position:absolute;opacity:0;pointer-events:none}
.grids .rate-grid{display:none}
#prog-conv:checked ~ .grids .grid-conv,
#prog-fha:checked  ~ .grids .grid-fha,
#prog-va:checked   ~ .grids .grid-va{display:grid}
#prog-conv:checked ~ .prog-toggle label[for=prog-conv] .pt,
#prog-fha:checked  ~ .prog-toggle label[for=prog-fha]  .pt,
#prog-va:checked   ~ .prog-toggle label[for=prog-va]   .pt{border-color:var(--crimson);background:var(--crimson)}
#prog-conv:checked ~ .prog-toggle label[for=prog-conv] .pn,
#prog-fha:checked  ~ .prog-toggle label[for=prog-fha]  .pn,
#prog-va:checked   ~ .prog-toggle label[for=prog-va]   .pn{color:#fff}
#prog-conv:checked ~ .prog-toggle label[for=prog-conv] .pd,
#prog-fha:checked  ~ .prog-toggle label[for=prog-fha]  .pd,
#prog-va:checked   ~ .prog-toggle label[for=prog-va]   .pd{color:rgba(255,255,255,.82)}

/* broker band */
.broker{position:relative;overflow:hidden;background:var(--charcoal);color:#fff;text-align:center;padding:104px 0}
.broker-bg{position:absolute;inset:0;background-size:cover;background-position:center 32%;opacity:.62}
.broker::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(20,16,18,.5) 0%,rgba(20,16,18,.68) 60%,rgba(20,16,18,.8) 100%)}
.broker-inner{position:relative;z-index:1;max-width:820px;margin:0 auto;text-align:center}
.broker h2{text-shadow:0 2px 18px rgba(0,0,0,.35)}
.broker h2{color:#fff;font-size:clamp(1.9rem,3.6vw,2.8rem);text-transform:uppercase;margin:6px 0 14px}
.broker p{color:rgba(255,255,255,.9);font-size:1.1rem;max-width:620px;margin:0 auto 24px}
.broker-ctas{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* fast closings */
.closings{background:linear-gradient(150deg,var(--crimson-d),var(--crimson));color:#fff;text-align:center}
.closings-inner{max-width:760px;margin:0 auto}
.closings .big-num{font-family:var(--disp);font-weight:900;font-size:clamp(6rem,16vw,12rem);line-height:.9;letter-spacing:-.04em}
.closings h2{color:#fff;text-transform:uppercase;font-size:clamp(1.6rem,3vw,2.4rem);margin:6px 0 12px}
.closings p{color:rgba(255,255,255,.9);font-size:1.1rem;max-width:560px;margin:0 auto}

/* buying vs refi */
.paths .path-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
@media(max-width:760px){.paths .path-grid{grid-template-columns:1fr}}
.path-card{position:relative;min-height:300px;border-radius:var(--radius-lg);overflow:hidden;display:flex;align-items:flex-end;
  background-size:cover;background-position:center;transition:.18s}
.path-card.refi{background:linear-gradient(150deg,var(--charcoal),var(--crimson-d))}
.path-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.path-content{padding:28px;color:#fff}
.path-content h3{color:#fff;font-size:1.7rem;text-transform:uppercase;margin-bottom:8px}
.path-content p{color:rgba(255,255,255,.92);margin-bottom:12px;max-width:360px}
.path-go{font-weight:800;color:#fff;border-bottom:2px solid rgba(255,255,255,.5);padding-bottom:2px}
.paths-cta{text-align:center;margin-top:26px}

/* tools */
.tools{background:var(--cream)}
.tool-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow-sm);overflow:hidden;max-width:980px;margin:0 auto}
.tool-tabs{display:flex;gap:4px;background:var(--rose-2);padding:8px;flex-wrap:wrap}
.tool-tab{border:0;background:transparent;padding:12px 20px;border-radius:10px;font-family:var(--body);font-weight:800;color:var(--muted);cursor:pointer;font-size:.96rem;text-decoration:none;display:inline-flex;align-items:center}
.tool-tab.active{background:#fff;color:var(--crimson);box-shadow:var(--shadow-sm)}
.tool-tab.link{margin-left:auto;color:var(--crimson)}
.tool-pane{display:none;padding:26px}
.tool-pane.active{display:block}
.tool-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px}
@media(max-width:760px){.tool-grid{grid-template-columns:1fr;gap:20px}}
.tool-inputs .f-label{margin-top:16px}
.tool-inputs .f-label:first-child{margin-top:0}
.tool-out{background:linear-gradient(160deg,var(--charcoal),var(--crimson-d));color:#fff;border-radius:16px;padding:26px}
.tool-out .to-label{font-size:.8rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;opacity:.85}
.tool-out .to-big{font-family:var(--disp);font-weight:900;font-size:3rem;line-height:1;margin:6px 0 16px}
.to-row{display:flex;justify-content:space-between;padding:10px 0;border-top:1px solid rgba(255,255,255,.16);font-size:.96rem}
.to-row span{opacity:.85}.to-row b{font-weight:800}
.to-cta{width:100%;margin-top:18px}
.tool-note{color:var(--muted);font-size:.8rem;text-align:center;padding:0 26px 22px}

/* reviews */
.reviews{background:#fff}
.review-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
@media(max-width:860px){.review-grid{grid-template-columns:1fr}}
.review-card{background:var(--rose);border:1px solid var(--line);border-radius:16px;padding:24px;display:flex;flex-direction:column}
.rv-stars{color:#E8A33D;letter-spacing:2px;margin-bottom:10px;font-size:1.05rem}
.rv-text{color:var(--ink);font-size:1rem;line-height:1.6;margin-bottom:18px;flex:1}
.rv-who{display:flex;align-items:center;gap:12px}
.rv-photo{width:44px;height:44px;border-radius:50%;object-fit:cover;flex:0 0 auto}
.rv-init{background:var(--crimson);color:#fff;display:grid;place-items:center;font-family:var(--disp);font-weight:800;font-size:1.2rem}
.rv-name{font-weight:800;color:var(--charcoal)}
.rv-src{font-size:.82rem;color:var(--muted)}
.review-fallback{text-align:center;color:var(--muted);font-size:1.05rem;margin-bottom:8px}
.review-plats{display:flex;align-items:center;justify-content:center;gap:12px;flex-wrap:wrap;margin-top:30px}
.review-plats span{font-weight:800;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;font-size:.8rem}
.rev-badge{background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:10px 20px;font-weight:800;color:var(--charcoal);transition:.15s}
.rev-badge:hover{border-color:var(--crimson);color:var(--crimson)}

/* ask + faq + lead forms */
.ask{background:linear-gradient(160deg,var(--charcoal),#1b1416);color:#fff}
.ask-grid{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
@media(max-width:860px){.ask-grid{grid-template-columns:1fr;gap:30px}}
.ask h2{color:#fff;text-transform:uppercase;font-size:clamp(1.8rem,3.4vw,2.6rem)}
.ask-left p{color:rgba(255,255,255,.88);font-size:1.08rem;margin:12px 0 22px}
.lead-box{background:#fff;border-radius:16px;padding:22px;box-shadow:var(--shadow)}
.lead-box form{display:flex;flex-direction:column;gap:12px}
.lead-box label{display:flex;flex-direction:column;gap:6px;font-weight:800;color:var(--charcoal);font-size:.86rem}
.lead-box input,.lead-box textarea{border:1.5px solid var(--line);border-radius:10px;padding:12px 13px;font-family:var(--body);font-size:1rem;font-weight:600;color:var(--charcoal)}
.lead-box input:focus,.lead-box textarea:focus{outline:none;border-color:var(--crimson);box-shadow:0 0 0 3px rgba(144,15,36,.14)}
.lead-box .btn{margin-top:4px}
.ask-inline{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:520px){.ask-inline{grid-template-columns:1fr}}
.req{color:var(--crimson)}.opt{color:var(--muted);font-weight:600}
.exit-fine{font-size:.78rem;color:var(--muted);font-weight:600;margin-top:2px}
.lead-thanks{text-align:center;padding:18px 8px}
.lead-check{width:56px;height:56px;border-radius:50%;background:#1a8f4c;color:#fff;display:grid;place-items:center;font-size:1.8rem;margin:0 auto 12px}
.lead-thanks h3{color:var(--charcoal);margin-bottom:6px}
.lead-thanks p{color:var(--muted)}
.ask-right{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:22px 24px}
.ask-right h3{color:#fff;margin-bottom:12px}
.faq{border-top:1px solid rgba(255,255,255,.14)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:12px;align-items:center;
  padding:15px 0;font-weight:700;color:#fff}
.faq summary::-webkit-details-marker{display:none}
.fq-plus{color:#f4c9d1;font-size:1.4rem;transition:.2s;flex:0 0 auto}
.faq[open] .fq-plus{transform:rotate(45deg)}
.faq-a{color:rgba(255,255,255,.82);font-size:.98rem;padding:0 0 16px;line-height:1.6}

/* custom quote */
.quote{background:var(--cream);text-align:center}
.quote-inner{max-width:720px;margin:0 auto}
.quote h2{text-transform:uppercase;font-size:clamp(1.8rem,3.4vw,2.6rem)}
.quote-inner>p{color:var(--muted);font-size:1.1rem;margin:12px 0 24px}
.quote-box{text-align:left;max-width:600px;margin:0 auto}

/* footer */
.ftr{background:var(--charcoal);color:#cfc6c8;font-size:.94rem}
.ftr-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.1fr;gap:32px;padding:56px 24px 30px}
@media(max-width:860px){.ftr-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.ftr-grid{grid-template-columns:1fr}}
.ftr-logo{display:inline-block;background:#fff;padding:10px 14px;border-radius:10px;margin-bottom:14px}
.ftr-logo img{height:40px;width:auto;display:block}
.ftr-brand p{max-width:340px;line-height:1.6;margin-bottom:16px}
.ftr-bbb{display:inline-block;background:#fff;padding:6px 8px;border-radius:8px;line-height:0}
.ftr-bbb img{height:44px;width:auto;display:block;border:0}
.ftr-col h4{color:#fff;font-size:1rem;margin-bottom:14px}
.ftr-col a{display:block;color:#cfc6c8;margin-bottom:9px;transition:.15s}
.ftr-col a:hover{color:#fff}
.ftr-reviews{display:flex;gap:14px;margin-top:6px}
.ftr-reviews a{display:inline;font-weight:800;color:#f4c9d1}
.ftr-legal{border-top:1px solid rgba(255,255,255,.14);padding:20px 24px 40px;font-size:.8rem;color:#a99ea1;line-height:1.7}
.ftr-legal p{margin-bottom:8px}

/* exit-intent popup */
.exit-wrap{position:fixed;inset:0;z-index:120;background:rgba(20,16,18,.6);display:none;align-items:center;justify-content:center;padding:18px}
.exit-wrap.open{display:flex}
.exit-card{background:#fff;border-radius:18px;max-width:440px;width:100%;box-shadow:0 30px 80px rgba(0,0,0,.4);position:relative;max-height:92vh;overflow:auto}
.exit-x{position:absolute;top:10px;right:14px;background:none;border:0;font-size:1.9rem;line-height:1;color:var(--muted);cursor:pointer}
.exit-body{padding:30px 28px 26px}
.exit-body h3{font-size:1.5rem;color:var(--charcoal);margin-bottom:8px;padding-right:20px}
.exit-body>p{color:var(--muted);margin-bottom:16px}
.exit-body form{display:flex;flex-direction:column;gap:12px}
.exit-body label{display:flex;flex-direction:column;gap:6px;font-weight:800;color:var(--charcoal);font-size:.84rem}
.exit-body input,.exit-body textarea{border:1.5px solid var(--line);border-radius:10px;padding:12px 13px;font-family:var(--body);font-size:1rem;font-weight:600;color:var(--charcoal)}
.exit-body input:focus,.exit-body textarea:focus{outline:none;border-color:var(--crimson);box-shadow:0 0 0 3px rgba(144,15,36,.14)}
.exit-actions{display:flex;align-items:center;gap:10px;margin-top:4px}
.exit-actions .btn-cta{flex:1}

/* rates.php + qualify.php (crimson restyle) */
.rates-page,.qualify-page{padding:56px 0}
.rates-page .eyebrow,.qualify-page .eyebrow{font-weight:900;letter-spacing:.12em;text-transform:uppercase;font-size:.8rem;color:var(--crimson) !important;margin-bottom:10px}
.rates-page .display,.qualify-page .display{font-family:var(--disp);font-weight:800;text-transform:uppercase;color:var(--charcoal);font-size:clamp(2rem,4vw,3rem);line-height:1;margin-bottom:12px}
.rates-page .accent,.qualify-page .accent{color:var(--crimson)}
.rates-sub{color:var(--muted);font-size:1.08rem;max-width:640px;margin-bottom:24px}
.refine{display:grid;grid-template-columns:repeat(6,1fr);gap:12px;align-items:end;background:var(--rose);border:1px solid var(--line);border-radius:16px;padding:18px;margin-bottom:22px}
@media(max-width:900px){.refine{grid-template-columns:repeat(2,1fr)}}
.refine-field{display:flex;flex-direction:column;gap:6px}
.refine-field label{font-weight:800;font-size:.78rem;color:var(--charcoal);text-transform:uppercase;letter-spacing:.04em}
.refine-field input,.refine-field select{border:1.5px solid var(--line);border-radius:10px;padding:11px 12px;font-family:var(--body);font-weight:700;color:var(--charcoal);background:#fff}
.refine .btn{grid-column:1/-1;justify-self:start}
.btn-red{background:var(--crimson);color:#fff;border-color:var(--crimson)}
.btn-red:hover{background:var(--crimson-d);border-color:var(--crimson-d)}
.rates-meta{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px;margin-bottom:14px}
.rates-meta-title{font-weight:800;color:var(--charcoal)}
.asof{color:var(--muted);font-size:.9rem}
.prog-group{border:1px solid var(--line);border-radius:16px;overflow:hidden;margin-bottom:18px}
.prog-group-title{background:var(--charcoal);color:#fff;font-family:var(--disp);text-transform:uppercase;font-size:1.05rem;padding:14px 20px;margin:0}
.prog-group.ck-red .prog-group-title{background:var(--crimson)}
.prog-group.ck-blue .prog-group-title{background:#123a68}
.prog-group.ck-gold .prog-group-title{background:#8a6d1f}
.prog-group.ck-green .prog-group-title{background:#1a5e3a}
.prow{display:grid;grid-template-columns:repeat(5,1fr) auto;gap:14px;align-items:center;padding:16px 20px;border-top:1px solid var(--line)}
@media(max-width:900px){.prow{grid-template-columns:repeat(2,1fr)}}
.prow .pcol{display:flex;flex-direction:column;gap:3px}
.prow .k{font-size:.72rem;font-weight:800;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}
.prow .prate{font-family:var(--disp);font-weight:800;font-size:1.4rem;color:var(--crimson)}
.prow b{color:var(--charcoal);font-weight:800}
.prow .pcta{margin:0}
.rate-note,.rates-page .rate-note{color:var(--muted);font-size:.82rem;line-height:1.6;margin-top:14px}
/* qualify */
.qualify-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:start}
@media(max-width:860px){.qualify-grid{grid-template-columns:1fr}}
.qsummary{background:linear-gradient(160deg,var(--charcoal),var(--crimson-d));color:#fff;border-radius:18px;padding:26px}
.qs-head{font-size:.8rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;color:#f4c9d1;margin-bottom:6px}
.qbig{font-family:var(--disp);font-weight:900;font-size:3rem;line-height:1;margin-bottom:16px}
.qbig small{font-family:var(--body);font-size:.9rem;font-weight:700;opacity:.8;margin-left:8px}
.qsummary ul{list-style:none}
.qsummary li{display:flex;justify-content:space-between;padding:9px 0;border-top:1px solid rgba(255,255,255,.16);font-size:.96rem}
.qsummary li span{opacity:.85}.qsummary li b{font-weight:800}
.qs-note{margin-top:14px;font-size:.8rem;opacity:.8}
.form-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px;box-shadow:var(--shadow-sm)}
.form-box h3{color:var(--charcoal);margin-bottom:6px}
.form-field{display:flex;flex-direction:column;gap:6px;margin-bottom:14px}
.form-field label{font-weight:800;font-size:.84rem;color:var(--charcoal)}
.form-field input{border:1.5px solid var(--line);border-radius:10px;padding:12px 13px;font-family:var(--body);font-weight:600;color:var(--charcoal)}
.form-field input:focus{outline:none;border-color:var(--crimson);box-shadow:0 0 0 3px rgba(144,15,36,.14)}
.form-box .inline{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.btn-lg{padding:16px 28px;font-size:1.05rem}
.form-note{color:var(--muted);font-size:.8rem}
.center{text-align:center}.muted{color:var(--muted)}

/* ============ calculator interactivity + reveal ============ */
.calc-swap{position:relative}
.calc-swap.loading{min-height:220px}
.calc-swap.loading::after{content:"";position:absolute;inset:0;background:rgba(255,255,255,.7);border-radius:0 0 var(--radius-lg) var(--radius-lg)}
.calc-swap.loading::before{content:"";position:absolute;z-index:2;top:50%;left:50%;width:40px;height:40px;margin:-20px 0 0 -20px;
  border:4px solid var(--rose-3);border-top-color:var(--crimson);border-radius:50%;animation:gwcspin .7s linear infinite}
@keyframes gwcspin{to{transform:rotate(360deg)}}
.calc-err{background:var(--rose-2);color:var(--crimson);border:1px solid var(--rose-3);border-radius:10px;
  padding:10px 12px;font-weight:700;font-size:.88rem;margin-bottom:12px}
.shake{animation:gwcshake .4s}
@keyframes gwcshake{0%,100%{transform:translateX(0)}20%,60%{transform:translateX(-6px)}40%,80%{transform:translateX(6px)}}
.reveal-pop{animation:gwcpop .35s ease}
@keyframes gwcpop{from{opacity:0;transform:translateY(10px) scale(.98)}to{opacity:1;transform:none}}
/* result breakdown */
.cr-more{margin-top:16px;border-top:1px solid var(--line);padding-top:10px}
.cr-more summary{cursor:pointer;font-weight:800;color:var(--crimson);list-style:none;font-size:.92rem}
.cr-more summary::-webkit-details-marker{display:none}
.cr-more summary::before{content:"+ ";}
.cr-more[open] summary::before{content:"\2212 ";}
.cr-brk{margin-top:10px}
.brk-row{display:flex;justify-content:space-between;padding:8px 0;border-top:1px dashed var(--line);font-size:.92rem;color:var(--muted)}
.brk-row b{color:var(--charcoal);font-weight:800}
.brk-row.tot{border-top:1px solid var(--line);color:var(--charcoal)}
.brk-row.tot b{color:var(--crimson)}
/* scroll reveal */
.reveal-init{opacity:0;transform:translateY(22px);transition:opacity .55s ease,transform .55s ease}
.reveal-init.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal-init{opacity:1;transform:none;transition:none}}

/* ============================================================================
   PALETTE REBALANCE — cream primary, burgundy accent
   Cream/white are the canvas; crimson is reserved for CTAs, the highlight
   word, big numbers, active states, and small accents.
   ========================================================================== */
body{background:var(--cream)}
.hero{background:radial-gradient(1200px 620px at 50% -12%,#ffffff 0%,var(--cream) 55%,var(--cream-2) 100%)}
.programs{background:#fff}
.rates{background:var(--cream)}
.rates-panel{background:#fff}
.rate-card{background:#fff}

/* fast-closings: light band, giant burgundy number as the accent */
.closings{background:#fff}
.closings .big-num{color:var(--crimson)}
.closings h2{color:var(--charcoal)}
.closings p{color:var(--muted)}

.paths{background:var(--cream)}
.path-card.refi{background:linear-gradient(150deg,var(--charcoal),#3a2f31)}

/* tools: light result panel with a burgundy number */
.tools{background:#fff}
.tool-out{background:var(--cream);border:1px solid var(--line);color:var(--charcoal);box-shadow:var(--shadow-sm)}
.tool-out .to-label{color:var(--muted)}
.tool-out .to-big{color:var(--crimson)}
.to-row{border-top:1px solid var(--line)}
.to-row span{color:var(--muted);opacity:1}
.to-row b{color:var(--charcoal)}

.reviews{background:var(--cream)}
.review-card{background:#fff}

/* ask + faq: light, not a dark band */
.ask{background:#fff}
.ask h2{color:var(--charcoal)}
.ask-left p{color:var(--muted)}
.ask-right{background:var(--cream);border:1px solid var(--line)}
.ask-right h3{color:var(--charcoal)}
.faq{border-top:1px solid var(--line)}
.faq summary{color:var(--charcoal)}
.fq-plus{color:var(--crimson)}
.faq-a{color:var(--muted)}
.lead-box{border:1px solid var(--line)}

.quote{background:var(--cream)}

/* kickers on the now-light bands read burgundy (broker stays light-on-dark) */
.ask .kicker.light,.closings .kicker.light,.quote .kicker.light{color:var(--crimson)}

/* ============================ Google reviews widget ============================ */
.rvw-bar{display:flex;align-items:center;gap:20px;flex-wrap:wrap;justify-content:space-between;
  background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px 24px;margin-bottom:22px;box-shadow:var(--shadow-sm)}
.rvw-overall{display:flex;align-items:center;gap:14px}
.rvw-score{font-family:var(--disp);font-weight:900;font-size:2.6rem;color:var(--crimson);line-height:1}
.rvw-stars{color:#E8A33D;font-size:1.15rem;letter-spacing:1px}
.rvw-count{font-size:.85rem;color:var(--muted);font-weight:700;margin-top:2px}
.rvw-sources{display:flex;align-items:center;gap:8px;flex-wrap:wrap}
.rvw-src{display:inline-flex;align-items:center;gap:8px;background:var(--cream);border:1px solid var(--line);
  border-radius:999px;padding:8px 14px;font-weight:800;color:var(--charcoal);font-size:.9rem}
.rvw-src.on{border-color:var(--crimson)}
.rvw-src b{color:var(--crimson)}
.rvw-src .bb,.rvw-src .zz{width:22px;height:22px;border-radius:50%;display:grid;place-items:center;color:#fff;font-size:.75rem;font-weight:900;flex:0 0 auto}
.rvw-src .gg{display:inline-grid;place-items:center;flex:0 0 auto}
.rvw-src .gg .gicon{width:18px;height:18px;display:block}
.rvw-src .bb{background:#0b4a7a;width:auto;border-radius:5px;padding:0 6px;height:20px}
.rvw-src .zz{background:#0a6cff}
.rvw-write{white-space:nowrap}
.rvw-carousel{position:relative}
.rvw-track{display:flex;gap:18px;overflow-x:auto;scroll-snap-type:x mandatory;padding:6px 2px 14px;scrollbar-width:none}
.rvw-track::-webkit-scrollbar{display:none}
.rvw-card{flex:0 0 340px;max-width:85vw;scroll-snap-align:start;background:#fff;border:1px solid var(--line);
  border-radius:16px;padding:22px;box-shadow:var(--shadow-sm);display:flex;flex-direction:column}
.rvc-head{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.rvc-avatar{width:46px;height:46px;border-radius:50%;object-fit:cover;flex:0 0 auto}
.rvc-init{background:var(--crimson);color:#fff;display:grid;place-items:center;font-family:var(--disp);font-weight:800;font-size:1.2rem}
.rvc-who{flex:1;min-width:0}
.rvc-name{font-weight:800;color:var(--charcoal);display:flex;align-items:center;gap:6px}
.rvc-verify{color:var(--crimson);font-size:.8rem}
.rvc-time{font-size:.8rem;color:var(--muted)}
.rvc-g{width:26px;height:26px;border-radius:50%;background:#fff;border:1px solid var(--line);display:grid;place-items:center;flex:0 0 auto}
.rvc-g .gicon{width:16px;height:16px;display:block}
.rvc-stars{color:#E8A33D;letter-spacing:1px;margin-bottom:10px}
.rvc-text{color:var(--ink);font-size:.96rem;line-height:1.55;overflow:hidden;display:-webkit-box;-webkit-line-clamp:5;-webkit-box-orient:vertical}
.rvw-card.open .rvc-text{-webkit-line-clamp:unset;display:block}
.rvc-more{background:none;border:0;color:var(--crimson);font-weight:800;cursor:pointer;padding:6px 0 0;font-size:.9rem;align-self:flex-start}
.rvw-arrow{position:absolute;top:50%;transform:translateY(-50%);z-index:2;width:44px;height:44px;border-radius:50%;
  background:#fff;border:1px solid var(--line);box-shadow:var(--shadow);color:var(--crimson);font-size:1.6rem;line-height:1;cursor:pointer}
.rvw-arrow.prev{left:-14px}.rvw-arrow.next{right:-14px}
.rvw-arrow:hover{background:var(--crimson);color:#fff;border-color:var(--crimson)}
@media(max-width:560px){.rvw-arrow{display:none}}
.rvw-empty{text-align:center;color:var(--muted)}
.rvw-empty .btn{margin-top:14px}

/* BBB seal under the reviews widget */
.rvw-bbb{text-align:center;margin-top:30px}
.rvw-bbb a{display:inline-block;line-height:0}
.rvw-bbb img{display:inline-block;height:60px;width:auto;border:0}

/* ---- wide hero calculator (fills the space; 2-col fields) ---- */
.calc{width:min(1080px,100%);border-radius:24px}
.calc-head{padding:18px 30px}
.calc-body{display:grid;grid-template-columns:1fr 1fr;gap:6px 40px;padding:28px 34px 30px}
.calc-body .f-field{margin-bottom:20px}
.calc-body .f-label{font-size:.9rem;letter-spacing:.01em}
.calc-body .f-input,.calc-body .f-select{padding:14px 16px;border-radius:12px}
.calc-body .f-pre .f-input{padding-left:30px}
.calc-body .seg,.calc-body .calc-purpose{border-radius:13px}
.calc-body .calc-purpose,.calc-body .calc-state,.calc-body .calc-err,.calc-body .calc-cta,.calc-body .calc-foot{grid-column:1 / -1}
.calc-cta{margin-top:8px}
@media(max-width:680px){.calc-body{grid-template-columns:1fr;gap:0}}

/* purpose selector (Purchase / Refinance / Cash-Out) */
.calc-purpose{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;background:var(--cream-2);
  border:1px solid var(--line);border-radius:12px;padding:5px;margin-bottom:6px}
.calc-purpose label{cursor:pointer}
.calc-purpose input{position:absolute;opacity:0;pointer-events:none}
.calc-purpose span{display:block;text-align:center;padding:11px 6px;border-radius:8px;font-family:var(--disp);
  font-weight:800;text-transform:uppercase;letter-spacing:.03em;font-size:.86rem;color:var(--muted);transition:.14s}
.calc-purpose input:checked + span{background:var(--crimson);color:#fff;box-shadow:var(--shadow-sm)}
/* result context line */
.cr-meta{font-size:.8rem;font-weight:700;color:var(--muted);text-transform:uppercase;letter-spacing:.06em;margin:2px 0 14px}

/* ---- reviews: show all 5 at once (grid, no scroll) ---- */
.rvw-track{display:grid;gap:16px;overflow:visible;scroll-snap-type:none;padding:6px 0 4px;grid-template-columns:repeat(5,1fr)}
.rvw-card{flex:none;width:auto;max-width:none;padding:18px}
.rvw-arrow{display:none}
.rvc-text{-webkit-line-clamp:6}
@media(max-width:1080px){.rvw-track{grid-template-columns:repeat(3,1fr)}}
@media(max-width:760px){.rvw-track{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.rvw-track{grid-template-columns:1fr}}

/* ---- hero trust row: Google (left) + BBB (right) under the calculator ---- */
.hero-trust{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;
  width:min(1080px,100%);margin:22px auto 0}
.hero-trust .gbadge{margin:0}
.hero-trust .bbb-seal{margin:0}
@media(max-width:560px){.hero-trust{justify-content:center;gap:14px}}

/* ============ reviews section — richer, less flat ============ */
.reviews.rvw{background:linear-gradient(180deg,var(--rose) 0%,var(--rose-2) 100%);position:relative}
.reviews.rvw .sec-head h2{background:linear-gradient(90deg,var(--crimson),var(--crimson-2));-webkit-background-clip:text;background-clip:text;color:transparent}
.rvw-bar{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:22px 28px;margin-bottom:30px}
.rvw-overall{position:relative;padding-right:22px}
.rvw-overall::after{content:"";position:absolute;right:0;top:6px;bottom:6px;width:1px;background:var(--line)}
.rvw-score{font-size:3rem;background:linear-gradient(180deg,var(--crimson),var(--crimson-2));-webkit-background-clip:text;background-clip:text;color:transparent}
.rvw-stars{font-size:1.25rem}
/* cards */
.rvw-card{position:relative;overflow:hidden;border:1px solid var(--line);border-radius:18px;
  box-shadow:var(--shadow-sm);transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;padding:22px 22px 20px}
.rvw-card::before{content:"";position:absolute;left:0;top:0;right:0;height:4px;
  background:linear-gradient(90deg,var(--crimson),var(--crimson-2))}
.rvw-card::after{content:"\201D";position:absolute;right:14px;bottom:-18px;font-family:Georgia,'Times New Roman',serif;
  font-size:7rem;line-height:1;color:var(--rose-3);z-index:0;pointer-events:none}
.rvw-card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:var(--rose-3)}
.rvw-card > *{position:relative;z-index:1}
.rvc-avatar{width:48px;height:48px;box-shadow:0 4px 10px rgba(144,15,36,.18)}
.rvc-stars{font-size:1.05rem}
.rvc-text{color:var(--charcoal)}
/* write-a-review button pop */
.rvw-write{box-shadow:var(--shadow-sm)}

/* ============ loan-programs section — depth + consistency ============ */
.programs{background:linear-gradient(180deg,var(--cream) 0%,var(--rose-2) 100%)}
.prog-card{box-shadow:var(--shadow-sm)}
.prog-card::after{content:"";position:absolute;left:0;top:0;right:0;height:4px;
  background:linear-gradient(90deg,var(--crimson),var(--crimson-2))}
.prog-ico{background:linear-gradient(160deg,var(--crimson),var(--crimson-2));color:#fff;
  box-shadow:0 6px 16px rgba(144,15,36,.22);transition:transform .18s ease}
.prog-card:hover .prog-ico{transform:scale(1.07) rotate(-3deg)}