/* ============================================================
   BUSINESS HOUSE CREDIT — DESIGN TOKENS
   ============================================================ */
:root{
  --pine:#143F35;
  --pine-deep:#0E2E27;
  --pine-tint:#1D5347;
  --ink:#17181A;
  --paper:#F2F2EF;
  --card:#FFFFFF;
  --bone:#EDEBE4;
  --slate:#5C6169;
  --slate-light:#8A9099;
  --rule:#DDDCD6;
  --rule-dark:rgba(255,255,255,.16);
  --brass:#C9A227;
  --brass-deep:#8F7415;
  --brass-soft:#E8D9A4;

  --display:"Newsreader",Georgia,serif;
  --body:"Instrument Sans",system-ui,-apple-system,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,monospace;

  --wrap:1180px;
  --gut:24px;
  --radius:3px;
  --radius-lg:6px;
}

/* ============================================================
   RESET + BASE
   ============================================================ */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:var(--body);font-size:16.5px;line-height:1.62;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;display:block}
a{color:inherit}
button,input,select{font:inherit;color:inherit}
h1,h2,h3,h4{margin:0;font-family:var(--display);font-weight:500;line-height:1.1;letter-spacing:-.015em}
p{margin:0}
:focus-visible{outline:2px solid var(--brass);outline-offset:3px;border-radius:2px}

.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}

.eyebrow{
  font-family:var(--body);font-size:13px;font-weight:600;
  letter-spacing:.1em;text-transform:uppercase;color:#4A4E55;
}
.eyebrow-light{color:var(--brass-soft)}

.lede{font-size:18px;color:#3A3D42;line-height:1.6}

/* ============================================================
   BUTTONS
   ============================================================ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:8px;
  padding:14px 24px;border:1px solid transparent;border-radius:var(--radius);
  font-size:15px;font-weight:600;text-decoration:none;cursor:pointer;
  transition:background .18s ease,color .18s ease,border-color .18s ease;
}
.btn-primary{background:var(--pine);color:#fff}
.btn-primary:hover{background:var(--pine-tint)}
.btn-brass{background:var(--brass);color:var(--ink)}
.btn-brass:hover{background:#D9B33C}
.btn-ghost{background:transparent;border-color:var(--rule);color:var(--ink)}
.btn-ghost:hover{border-color:var(--ink)}
.btn-block{width:100%}

.arrow-link{
  display:inline-flex;align-items:center;gap:7px;text-decoration:none;
  font-size:14.5px;font-weight:600;color:var(--pine);
  border-bottom:1px solid rgba(20,63,53,.28);padding-bottom:2px;
  transition:border-color .18s ease;
}
.arrow-link:hover{border-color:var(--pine)}
.arrow-link span{transition:transform .18s ease}
.arrow-link:hover span{transform:translateX(3px)}

/* ============================================================
   HEADER
   ============================================================ */
.site-header{
  position:sticky;top:0;z-index:60;background:var(--paper);
  border-bottom:1px solid var(--rule);
}
.header-inner{display:flex;align-items:center;gap:28px;height:70px}
.logo{
  font-family:var(--display);font-size:21px;font-weight:600;
  letter-spacing:-.02em;text-decoration:none;white-space:nowrap;
}
.logo em{font-style:normal;color:var(--pine)}
.header-nav{display:none;gap:26px;margin-left:8px}
.header-nav a{
  font-size:14.5px;font-weight:500;text-decoration:none;color:var(--slate);
  transition:color .18s ease;
}
.header-nav a:hover{color:var(--ink)}
.header-right{display:flex;align-items:center;gap:18px;margin-left:auto}
.header-sla{display:none;align-items:center;gap:8px}
.sla-dot{
  width:7px;height:7px;border-radius:50%;background:var(--brass);
  box-shadow:0 0 0 3px rgba(201,162,39,.2);flex:none;
}
.sla-text{font-size:13px;font-weight:500;color:var(--slate)}
.header-phone{
  font-family:var(--mono);font-size:14.5px;font-weight:500;
  text-decoration:none;white-space:nowrap;letter-spacing:-.01em;
}

/* ============================================================
   HERO
   ============================================================ */
.hero{background:var(--pine);color:#fff;position:relative;overflow:hidden}
.hero::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(120% 90% at 82% 8%,rgba(201,162,39,.11),transparent 58%);
}
.hero-inner{
  position:relative;z-index:1;display:grid;gap:40px;
  padding-top:52px;padding-bottom:46px;
}
.hero h1{
  font-size:clamp(38px,7.2vw,62px);color:#fff;margin:18px 0 0;
  letter-spacing:-.028em;
}
.hero h1 .accent{color:var(--brass-soft);font-style:italic}
.hero-sub{
  margin-top:22px;font-size:17.5px;line-height:1.62;
  color:rgba(255,255,255,.76);max-width:34em;
}
.hero-contact{
  margin-top:30px;display:flex;flex-wrap:wrap;align-items:center;gap:10px 22px;
}
.hero-phone{
  font-family:var(--mono);font-size:19px;font-weight:500;
  color:#fff;text-decoration:none;border-bottom:1px solid rgba(255,255,255,.3);
  padding-bottom:2px;
}
.hero-phone:hover{border-color:var(--brass)}
.hero-contact-note{font-size:14px;color:rgba(255,255,255,.6)}

/* ============================================================
   TRUST STRIP
   ============================================================ */
.trust{border-top:1px solid var(--rule-dark);position:relative;z-index:1}
.trust-grid{
  display:grid;grid-template-columns:1fr;
}
.trust-item{
  padding:19px 0 20px;border-bottom:1px solid var(--rule-dark);
}
.trust-item:last-child{border-bottom:none}
.trust-figure{
  font-family:var(--mono);font-size:clamp(24px,5vw,32px);font-weight:500;
  color:#fff;letter-spacing:-.025em;font-variant-numeric:tabular-nums;
}
.trust-label{
  margin-top:6px;font-size:13.5px;color:rgba(255,255,255,.68);line-height:1.45;
}

/* ============================================================
   FORM CARD
   ============================================================ */
.form-card{
  background:var(--card);border-radius:var(--radius-lg);
  box-shadow:0 24px 60px -24px rgba(0,0,0,.42);
  overflow:hidden;color:var(--ink);
}
.form-head{padding:22px 26px 0}
.form-title{font-size:20px;letter-spacing:-.01em}
.form-meta{
  margin-top:6px;font-size:13.5px;font-weight:500;color:var(--slate);
}
.progress{display:flex;gap:5px;margin-top:18px}
.progress i{
  flex:1;height:3px;border-radius:2px;background:var(--rule);
  transition:background .3s ease;
}
.progress i.on{background:var(--pine)}
.form-body{padding:22px 26px 26px}

.step{display:none}
.step.active{display:block;animation:stepIn .3s ease both}
@keyframes stepIn{from{opacity:0;transform:translateY(7px)}to{opacity:1;transform:none}}

.field{margin-bottom:17px}
.field:last-of-type{margin-bottom:0}
.field label{
  display:block;font-size:14.5px;font-weight:600;margin-bottom:7px;
}
.field .hint{
  display:block;margin-top:7px;font-size:13.5px;color:var(--slate);line-height:1.5;
}
.control{
  width:100%;padding:12px 14px;background:#fff;
  border:1px solid var(--rule);border-radius:var(--radius);
  font-size:16px;transition:border-color .16s ease,box-shadow .16s ease;
}
.control:focus{
  outline:none;border-color:var(--pine);
  box-shadow:0 0 0 3px rgba(20,63,53,.11);
}
select.control{
  appearance:none;cursor:pointer;padding-right:38px;
  background-image:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' width='11' height='7' viewBox='0 0 11 7'><path d='M1 1l4.5 4.5L10 1' stroke='%235C6169' stroke-width='1.5' fill='none' stroke-linecap='round'/></svg>");
  background-repeat:no-repeat;background-position:right 14px center;
}
.money{position:relative}
.money span{
  position:absolute;left:14px;top:50%;transform:translateY(-50%);
  font-family:var(--mono);font-size:16px;color:var(--slate);pointer-events:none;
}
.money .control{padding-left:30px;font-family:var(--mono);font-variant-numeric:tabular-nums}

.abn-result{
  display:none;margin-top:8px;padding:9px 12px;
  background:rgba(20,63,53,.055);border-left:2px solid var(--pine);
  border-radius:0 var(--radius) var(--radius) 0;
}
.abn-result.show{display:block}
.abn-result strong{display:block;font-size:14px;line-height:1.35}
.abn-result em{
  font-style:normal;font-size:13px;color:var(--slate);
}

.choice{display:grid;grid-template-columns:1fr 1fr;gap:9px}
.choice label{
  display:flex;align-items:center;justify-content:center;gap:8px;
  padding:12px;border:1px solid var(--rule);border-radius:var(--radius);
  font-size:14.5px;font-weight:500;cursor:pointer;margin:0;
  transition:border-color .16s ease,background .16s ease;
}
.choice label:hover{border-color:var(--slate-light)}
.choice input{position:absolute;opacity:0;width:0;height:0}
.choice input:checked+label,.choice label.sel{
  border-color:var(--pine);background:rgba(20,63,53,.055);
}

.form-actions{display:flex;gap:9px;margin-top:22px}
.form-actions .btn-primary{flex:1}
.btn-back{
  padding:14px 16px;background:transparent;border:1px solid var(--rule);
  border-radius:var(--radius);cursor:pointer;color:var(--slate);
  font-size:14px;font-weight:500;transition:border-color .16s ease;
}
.btn-back:hover{border-color:var(--slate)}

/* SIGNATURE — live response promise */
.promise{
  margin-top:15px;padding:13px 15px;background:var(--pine);
  border-radius:var(--radius);display:flex;align-items:center;gap:12px;
}
.promise-mark{
  width:8px;height:8px;border-radius:50%;background:var(--brass);flex:none;
  animation:pulse 2.6s ease-in-out infinite;
}
@keyframes pulse{
  0%,100%{box-shadow:0 0 0 0 rgba(201,162,39,.5)}
  55%{box-shadow:0 0 0 6px rgba(201,162,39,0)}
}
.promise-text{font-size:13.5px;color:rgba(255,255,255,.74);line-height:1.5}
.promise-text b{
  display:block;font-family:var(--mono);font-size:14.5px;font-weight:500;
  color:#fff;letter-spacing:-.01em;font-variant-numeric:tabular-nums;margin-bottom:3px;
}
.assurances{
  margin-top:13px;display:flex;flex-wrap:wrap;gap:7px 16px;
}
.assurance{
  display:flex;align-items:center;gap:6px;font-size:13.5px;color:var(--slate);
}
.assurance svg{flex:none;color:var(--pine)}
.consent{
  margin-top:15px;display:flex;gap:9px;align-items:flex-start;
  font-size:13px;color:var(--slate);line-height:1.55;
}
.consent input{margin:2px 0 0;flex:none;width:15px;height:15px;accent-color:var(--pine)}
.consent a{color:var(--pine)}

.done{display:none;padding:34px 26px 30px;text-align:center}
.done.show{display:block}
.done-mark{
  width:46px;height:46px;margin:0 auto 16px;border-radius:50%;
  background:var(--pine);display:grid;place-items:center;
}
.done h3{font-size:23px}
.done p{margin-top:9px;font-size:15px;color:var(--slate)}
.done .promise{margin-top:20px;text-align:left}
.done-next{
  margin-top:18px;padding-top:18px;border-top:1px solid var(--rule);
  font-size:13.5px;color:var(--slate);line-height:1.6;text-align:left;
}
.done-next b{color:var(--ink)}

/* ============================================================
   SECTIONS
   ============================================================ */
.section{padding:64px 0}
.section-bone{background:var(--bone)}
.section-head{max-width:640px;margin-bottom:36px}
.section-head h2{font-size:clamp(28px,4.6vw,40px);margin-top:13px}
.section-head p{margin-top:14px}

/* PRODUCTS */
.products{display:grid;gap:1px;background:#C6C5BC;border:1px solid #C6C5BC}
.product{
  background:#fff;padding:28px 26px;text-decoration:none;display:block;
  transition:background .2s ease;
}
.product:hover{background:#FBFBF8}
.product-num{
  font-size:13.5px;font-weight:700;color:var(--brass-deep);
  letter-spacing:.08em;
}
.product h3{font-size:22px;font-weight:500;margin-top:11px;color:var(--ink)}
.product p{margin-top:10px;font-size:15.5px;color:#33363B;line-height:1.58}
.product-go{
  margin-top:16px;display:flex;align-items:center;gap:7px;
  font-size:14.5px;font-weight:600;color:var(--pine);text-decoration:underline;
  text-decoration-color:rgba(20,63,53,.35);text-underline-offset:4px;
}
.product-go span{transition:transform .18s ease}
.product:hover .product-go span{transform:translateX(3px)}

/* ABOUT */
.about{display:grid;gap:32px;align-items:center}
.about-photo{
  aspect-ratio:4/5;border-radius:var(--radius-lg);overflow:hidden;
  background:var(--pine);position:relative;
}
.about-photo picture{display:block;width:100%;height:100%}
.about-photo img{
  width:100%;height:100%;object-fit:cover;display:block;
}
.about-photo::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:linear-gradient(180deg,rgba(20,63,53,.10) 0%,transparent 34%,rgba(20,63,53,.16) 100%);
}
.about h2{font-size:clamp(26px,4.2vw,36px);margin-top:13px}
.about-body{margin-top:16px;font-size:17px;color:var(--slate);line-height:1.66}

/* STEPS */
.steps{display:grid;gap:1px;background:var(--rule);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.step-item{background:var(--bone);padding:28px 24px}
.step-n{
  font-size:12.5px;font-weight:600;color:var(--brass-deep);letter-spacing:.08em;
  padding-bottom:11px;border-bottom:1px solid var(--rule);margin-bottom:15px;
}
.step-item h3{font-size:19px}
.step-item p{margin-top:9px;font-size:14.5px;color:var(--slate);line-height:1.55}

/* CASES */
.cases{display:grid;gap:22px}
.case{
  background:var(--card);border:1px solid var(--rule);border-radius:var(--radius-lg);
  padding:28px 26px;
}
.case-tag{
  font-size:12.5px;font-weight:600;letter-spacing:.07em;
  text-transform:uppercase;color:var(--slate);
}
.case-figure{
  font-family:var(--mono);font-size:30px;font-weight:500;color:var(--pine);
  margin-top:12px;letter-spacing:-.02em;font-variant-numeric:tabular-nums;
}
.case h3{font-size:19px;margin-top:8px}
.case p{margin-top:12px;font-size:14.5px;color:var(--slate);line-height:1.6}
.case-foot{
  margin-top:18px;padding-top:15px;border-top:1px solid var(--rule);
  font-size:13.5px;font-weight:500;color:var(--slate);
}

/* REFI NOTE */
.refi{
  background:var(--card);border:1px solid var(--rule);border-left:3px solid var(--brass);
  border-radius:0 var(--radius-lg) var(--radius-lg) 0;padding:28px 26px;
}
.refi h3{font-size:22px}
.refi p{margin-top:11px;font-size:15.5px;color:var(--slate);line-height:1.62;max-width:56em}
.refi .arrow-link{margin-top:15px}

/* FAQ */
.faq{border-top:1px solid var(--rule)}
.faq details{border-bottom:1px solid var(--rule)}
.faq summary{
  padding:19px 40px 19px 0;cursor:pointer;position:relative;list-style:none;
  font-size:16.5px;font-weight:600;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"";position:absolute;right:8px;top:50%;width:9px;height:9px;
  border-right:1.5px solid var(--slate);border-bottom:1.5px solid var(--slate);
  transform:translateY(-70%) rotate(45deg);transition:transform .2s ease;
}
.faq details[open] summary::after{transform:translateY(-30%) rotate(225deg)}
.faq-body{padding:0 0 20px;font-size:15px;color:var(--slate);line-height:1.65;max-width:58em}

/* CLOSING CTA */
.cta{background:var(--pine);color:#fff}
.cta-inner{display:grid;gap:34px;padding-top:60px;padding-bottom:60px}
.cta h2{font-size:clamp(28px,4.6vw,40px);color:#fff;margin-top:13px}
.cta p{margin-top:15px;font-size:17px;color:rgba(255,255,255,.74);line-height:1.62}
.cta-phone{
  margin-top:26px;padding-top:22px;border-top:1px solid var(--rule-dark);
}
.cta-phone a{
  font-family:var(--mono);font-size:21px;color:#fff;text-decoration:none;
  border-bottom:1px solid rgba(255,255,255,.3);padding-bottom:2px;
}

/* FOOTER */
.site-footer{background:var(--ink);color:rgba(255,255,255,.62);padding:52px 0 28px;font-size:14px}
.footer-top{display:grid;gap:32px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.11)}
.footer-brand .logo{color:#fff;font-size:20px}
.footer-brand p{margin-top:13px;line-height:1.6;max-width:30em;font-size:13.5px}
.footer-reg{
  margin-top:16px;font-size:13px;
  color:rgba(255,255,255,.58);line-height:1.85;
}
.footer-cols{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.footer-col h4{
  font-size:12.5px;letter-spacing:.09em;text-transform:uppercase;
  color:rgba(255,255,255,.58);font-weight:600;margin-bottom:13px;
}
.footer-col a{
  display:block;padding:5px 0;text-decoration:none;font-size:14px;
  color:rgba(255,255,255,.72);transition:color .16s ease;
}
.footer-col a:hover{color:#fff}
.disclaimer{
  padding-top:26px;font-size:12.5px;line-height:1.8;color:rgba(255,255,255,.5);
  max-width:74em;
}
.footer-base{
  margin-top:22px;padding-top:20px;border-top:1px solid rgba(255,255,255,.11);
  display:flex;flex-wrap:wrap;gap:10px 22px;font-size:13px;color:rgba(255,255,255,.52);
}

/* MOBILE BAR */
.mobile-bar{
  position:fixed;left:0;right:0;bottom:0;z-index:70;display:flex;gap:9px;
  padding:11px 14px calc(11px + env(safe-area-inset-bottom));
  background:var(--paper);border-top:1px solid var(--rule);
}
.mobile-bar .btn{flex:1;padding:13px}
body{padding-bottom:74px}

/* ============================================================
   RESPONSIVE
   ============================================================ */
@media (min-width:600px){
  .trust-grid{grid-template-columns:repeat(3,1fr)}
  .trust-item{
    padding:26px 26px 26px 0;border-bottom:none;
    border-right:1px solid var(--rule-dark);
  }
  .trust-item:last-child{border-right:none}
  .cases{grid-template-columns:1fr 1fr}
  .footer-cols{grid-template-columns:repeat(3,1fr)}
}
@media (min-width:820px){
  .products{grid-template-columns:repeat(3,1fr)}
  .steps{grid-template-columns:repeat(4,1fr)}
  .about{grid-template-columns:340px 1fr;gap:48px}
}
@media (min-width:960px){
  body{padding-bottom:0}
  .mobile-bar{display:none}
  .header-nav{display:flex}
  .header-sla{display:flex}
  .hero-inner{grid-template-columns:1fr 428px;gap:56px;padding-top:74px;padding-bottom:62px;align-items:start}
  .cta-inner{grid-template-columns:1fr 428px;gap:56px;align-items:center}
  .section{padding:84px 0}
  .footer-top{grid-template-columns:1fr 1.15fr;gap:56px}
}

@media (prefers-reduced-motion:reduce){
  *{animation-duration:.01ms !important;transition-duration:.01ms !important}
  html{scroll-behavior:auto}
}

/* ============================================================
   PRODUCT PAGE
   ============================================================ */
.page-hero{background:var(--pine);color:#fff;position:relative;overflow:hidden}
.page-hero::after{
  content:"";position:absolute;inset:0;pointer-events:none;
  background:radial-gradient(120% 90% at 84% 6%,rgba(201,162,39,.11),transparent 58%);
}
.page-hero-inner{position:relative;z-index:1;display:grid;gap:36px;padding-top:44px;padding-bottom:48px}
.page-hero h1{font-size:clamp(32px,6vw,50px);color:#fff;margin:16px 0 0;letter-spacing:-.028em}
.page-hero p{margin-top:18px;font-size:17.5px;line-height:1.62;color:rgba(255,255,255,.76);max-width:34em}

.crumb{display:flex;flex-wrap:wrap;gap:7px;font-size:13px;color:rgba(255,255,255,.55)}
.crumb a{text-decoration:none;color:rgba(255,255,255,.72)}
.crumb a:hover{color:#fff}

.quickfacts{
  margin-top:26px;padding-top:22px;border-top:1px solid var(--rule-dark);
  display:grid;grid-template-columns:1fr 1fr;gap:18px 26px;
}
.quickfact b{
  display:block;font-family:var(--mono);font-size:18px;color:#fff;
  letter-spacing:-.02em;font-variant-numeric:tabular-nums;
}
.quickfact span{display:block;margin-top:3px;font-size:13px;color:rgba(255,255,255,.6)}

.prose{max-width:660px}
.prose h2{font-size:clamp(25px,4vw,33px);margin-top:44px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:19px;margin-top:28px}
.prose p{margin-top:15px;font-size:16.5px;line-height:1.68;color:var(--slate)}
.prose p strong{color:var(--ink);font-weight:600}
.prose ul{margin:15px 0 0;padding-left:20px}
.prose li{margin-top:9px;font-size:16.5px;line-height:1.62;color:var(--slate)}
.prose li strong{color:var(--ink);font-weight:600}
.prose a{color:var(--pine);font-weight:500}

.spec{width:100%;border-collapse:collapse;margin-top:20px;font-size:15px}
.spec th,.spec td{padding:12px 14px;text-align:left;border-bottom:1px solid var(--rule)}
.spec th{
  width:40%;font-weight:600;color:var(--ink);vertical-align:top;
  font-size:14px;
}
.spec td{color:var(--slate)}
.spec tr:last-child th,.spec tr:last-child td{border-bottom:none}

.callout{
  margin-top:24px;padding:20px 22px;background:var(--bone);
  border-left:3px solid var(--brass);border-radius:0 var(--radius) var(--radius) 0;
}
.callout h4{font-family:var(--display);font-size:18px;font-weight:500;margin:0}
.callout p{margin-top:9px;font-size:15px;line-height:1.6;color:var(--slate)}

.checklist{margin-top:20px;border-top:1px solid var(--rule)}
.checklist li{
  list-style:none;display:flex;gap:11px;align-items:flex-start;
  padding:13px 0;border-bottom:1px solid var(--rule);margin:0;font-size:15.5px;
}
.checklist ul{margin:0;padding:0}
.checklist svg{flex:none;margin-top:4px;color:var(--pine)}
.checklist b{display:block;color:var(--ink);font-weight:600;font-size:15.5px}
.checklist span{display:block;margin-top:2px;font-size:14px;color:var(--slate);line-height:1.5}

.layout{display:grid;gap:44px;padding-top:56px;padding-bottom:56px}
.rail{align-self:start}

.related{display:grid;gap:1px;background:var(--rule);border:1px solid var(--rule);margin-top:14px}
.related a{
  background:var(--paper);padding:18px 20px;text-decoration:none;display:block;
  transition:background .2s ease;
}
.related a:hover{background:#fff}
.related b{display:block;font-family:var(--display);font-size:18px;font-weight:500}
.related span{display:block;margin-top:5px;font-size:14px;color:var(--slate);line-height:1.5}

@media (min-width:600px){
  .quickfacts{grid-template-columns:repeat(3,1fr)}
  .related{grid-template-columns:repeat(3,1fr)}
}
@media (min-width:960px){
  .page-hero-inner{grid-template-columns:1fr 400px;gap:56px;padding-top:64px;padding-bottom:60px;align-items:start}
  .layout{grid-template-columns:1fr 340px;gap:64px;padding-top:76px;padding-bottom:76px}
  .rail{position:sticky;top:94px}
}

/* ============================================================
   ABR BUSINESS TYPEAHEAD
   ============================================================ */
.combo{position:relative}
.combo-list{
  position:absolute;top:calc(100% + 5px);left:0;right:0;z-index:30;display:none;
  background:#fff;border:1px solid var(--rule);border-radius:var(--radius);
  box-shadow:0 14px 34px -12px rgba(0,0,0,.26);max-height:266px;overflow-y:auto;
}
.combo-list.show{display:block}
.combo-opt{
  padding:11px 14px;cursor:pointer;border-bottom:1px solid var(--rule);
  transition:background .12s ease;
}
.combo-opt:last-child{border-bottom:none}
.combo-opt:hover,.combo-opt.hi{background:rgba(20,63,53,.07)}
.combo-opt b{display:block;font-size:14.5px;font-weight:600;color:var(--ink);line-height:1.35}
.combo-opt span{
  display:block;margin-top:3px;font-family:var(--mono);font-size:12.5px;
  color:var(--slate);letter-spacing:-.01em;
}
.combo-empty{padding:13px 14px;font-size:13.5px;color:var(--slate);line-height:1.5}
.abn-result{position:relative;padding-right:70px}
.abn-change{
  position:absolute;top:8px;right:10px;background:none;border:none;cursor:pointer;
  font-size:12.5px;font-weight:600;color:var(--pine);padding:2px 4px;
  text-decoration:underline;text-underline-offset:2px;
}
.abn-change:hover{color:var(--pine-tint)}

/* ── refinance emphasis ─────────────────────────────────── */
.product-feature{background:#F6F2E3;box-shadow:inset 4px 0 0 var(--brass)}
.product-feature:hover{background:#F2EDDB}
.refi-lg{padding:34px 32px}
.refi-lg h3{font-size:clamp(23px,3.6vw,30px);margin-top:12px;max-width:20em}
.refi-points{
  margin-top:26px;padding-top:22px;border-top:1px solid var(--rule);
  display:grid;gap:16px;
}
.refi-points b{display:block;font-size:16px;font-weight:600;color:var(--ink)}
.refi-points span{display:block;margin-top:2px;font-size:14.5px;color:var(--slate)}
@media (min-width:700px){.refi-points{grid-template-columns:repeat(3,1fr);gap:26px}}

/* ── optional textarea ──────────────────────────────────── */
textarea.control{resize:vertical;min-height:76px;line-height:1.55;font-family:var(--body)}
.opt{
  float:right;font-size:11.5px;font-weight:500;color:var(--slate-light);
  text-transform:uppercase;letter-spacing:.06em;padding-top:2px;
}

/* ── single featured case study ─────────────────────────── */
.cases.cases-one{grid-template-columns:1fr}
.case-feature{padding:34px 32px}
.case-feature .case-figure{font-size:clamp(34px,6.5vw,50px);margin-top:14px}
.case-feature h3{font-size:clamp(21px,3.4vw,28px);margin-top:10px}
.case-feature p{font-size:16.5px;line-height:1.66;max-width:56em}
.case-pull{
  margin-top:20px;padding-top:18px;border-top:1px solid var(--rule);
  display:grid;gap:13px;
}
.case-pull b{display:block;font-family:var(--mono);font-size:15.5px;color:var(--pine);letter-spacing:-.01em}
.case-pull span{display:block;margin-top:3px;font-size:14px;color:var(--slate);line-height:1.45}
.cases-one .case-pull{gap:26px}
@media (min-width:700px){.cases-one .case-pull{grid-template-columns:repeat(3,1fr)}}

/* ============================================================
   GUIDES (added 2026-09-06)
   ============================================================ */
.guide-meta{margin-top:14px;font-size:13.5px;font-weight:500;color:rgba(255,255,255,.55)}
.guide-meta time{color:rgba(255,255,255,.72)}
.guides-grid .product-num{text-transform:uppercase;letter-spacing:.07em;font-size:12.5px}
.footer-reg a{color:inherit;text-decoration:none}
.footer-reg a:hover{text-decoration:underline}