/* ===== Tokens ===== */
:root{
  --navy:#111418;
  --navy-deep:#0a0c0f;
  --ivory:#f7f3ea;
  --ivory-dim:#efe9da;
  --signal:#4fc3f0;
  --signal-dark:#2ba9db;
  --ink:#1b2430;
  --muted:#5b6472;
  --border:#e2ddd0;
  --white:#ffffff;
  --fog:#e7eaf0;
  --fog-muted:#93a0b8;
  --gold:#f5b400;
  --shadow:17,20,24;
  --radius:10px;
  --serif:'Playfair Display',Georgia,serif;
  --sans:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;
}

*{box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  margin:0;
  font-family:var(--sans);
  color:var(--ink);
  background:var(--ivory);
  line-height:1.55;
}
img{max-width:100%;display:block;}
a{color:inherit;text-decoration:none;}

.wrap{
  max-width:1160px;
  margin:0 auto;
  padding:0 24px;
}

.eyebrow{
  font-family:var(--sans);
  text-transform:uppercase;
  letter-spacing:.14em;
  font-size:.78rem;
  font-weight:700;
  color:var(--signal-dark);
  margin:0 0 10px;
}
.eyebrow.center{text-align:center;}

.section-title{
  font-family:var(--serif);
  font-size:2rem;
  font-weight:700;
  color:var(--navy);
  margin:0 0 14px;
  line-height:1.25;
}
.section-title.center{text-align:center;}
.section-sub{
  color:var(--muted);
  max-width:640px;
  margin:0 auto 40px;
}
.section-sub.center{text-align:center;}

/* ===== Buttons ===== */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  font-weight:600;
  border-radius:999px;
  text-align:center;
  transition:transform .15s ease, box-shadow .15s ease, background .15s ease;
  border:2px solid transparent;
  cursor:pointer;
}
.btn-primary{
  background:var(--navy);
  color:var(--white);
}
.btn-primary:hover{background:var(--navy-deep); transform:translateY(-1px);}
.btn-ghost{
  background:transparent;
  border-color:var(--navy);
  color:var(--navy);
}
.btn-ghost:hover{background:var(--navy); color:var(--white);}
.btn-lg{padding:16px 30px; font-size:1.02rem;}
.btn-sm{padding:9px 18px; font-size:.88rem;}

/* ===== Trust bar ===== */
.trust-bar{background:var(--navy); color:var(--fog);}
.trust-bar-inner{
  display:flex; align-items:center; justify-content:center; gap:20px;
  flex-wrap:wrap;
  padding:7px 24px;
}
.trust-item{
  font-family:var(--sans); font-weight:600; font-size:.72rem; letter-spacing:.03em;
  white-space:nowrap;
}
.trust-item-eho{color:var(--signal);}

/* ===== Header ===== */
.site-header{
  position:sticky; top:0; z-index:50;
  background:rgba(247,243,234,.92);
  backdrop-filter:blur(6px);
  border-bottom:1px solid var(--border);
}
.header-inner{
  position:relative;
  display:flex; align-items:center; justify-content:space-between;
  padding-top:14px; padding-bottom:14px;
  flex-wrap:wrap; gap:12px;
}
.brand{display:flex; align-items:center; gap:10px;}
.brand-logo{height:38px; width:auto;}
.brand-text{display:flex; flex-direction:column; line-height:1.2;}
.brand-text strong{font-family:var(--serif); font-size:1.05rem; color:var(--navy);}
.brand-text small{font-family:var(--sans); font-weight:600; font-size:.68rem; letter-spacing:.08em; color:var(--muted); text-transform:uppercase;}

.site-nav{display:flex; align-items:center; gap:22px; flex-wrap:wrap;}
.site-nav a:not(.btn){font-weight:500; font-size:.92rem; color:var(--ink);}
.site-nav a:not(.btn):hover{color:var(--signal-dark);}
.nav-phone{font-family:var(--sans); font-weight:700; color:var(--navy) !important;}

.nav-toggle{
  display:none;
  flex-direction:column; justify-content:center; gap:5px;
  width:38px; height:38px;
  border:none; background:none; cursor:pointer;
  padding:0;
}
.nav-toggle span{
  display:block; height:2px; width:100%;
  background:var(--navy);
  transition:transform .2s ease, opacity .2s ease;
}
.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.nav-toggle.open span:nth-child(2){opacity:0;}
.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}

/* ===== Hero ===== */
.hero{padding:64px 0 56px; background:linear-gradient(180deg,var(--ivory) 0%, var(--ivory-dim) 100%);}
.hero-inner{
  display:flex; align-items:center; gap:56px; flex-wrap:wrap;
}
.hero-copy{flex:1 1 420px; min-width:320px;}
.hero-copy h1{
  font-family:var(--serif);
  font-size:2.9rem; line-height:1.12;
  color:var(--navy);
  margin:0 0 18px;
}
.hero-sub{font-size:1.08rem; color:var(--muted); max-width:520px; margin:0 0 28px;}
.hero-actions{display:flex; gap:16px; flex-wrap:wrap; margin-bottom:22px;}
.hero-legal{font-size:.76rem; color:var(--muted); font-family:var(--sans); max-width:520px;}

.hero-media{flex:1 1 320px; min-width:280px; display:flex; justify-content:center;}
.hero-media img{
  width:100%; max-width:380px; aspect-ratio:4/5; object-fit:cover;
  border-radius:var(--radius);
  border:6px solid var(--white);
  box-shadow:0 24px 48px -20px rgba(var(--shadow),.35);
}
.hero-media.img-missing,
.hero-media .img-missing{display:none;}
.img-missing{
  background:var(--ivory-dim);
  border-radius:var(--radius);
  min-height:340px;
  display:flex; align-items:center; justify-content:center;
  color:var(--muted); font-family:var(--sans); font-size:.85rem;
}
.img-missing img{display:none;}
.img-missing::after{content:"headshot photo goes here"; padding:20px;}

/* ===== Ledger strip ===== */
.ledger{background:var(--navy); color:var(--ivory); padding:28px 0;}
.ledger-inner{
  display:flex; flex-wrap:wrap; gap:28px; justify-content:space-between;
}
.ledger-item{
  flex:1 1 200px; min-width:180px;
  display:flex; flex-direction:column; gap:4px;
  border-left:2px solid var(--signal);
  padding-left:14px;
}
.ledger-num{font-family:var(--sans); font-variant-numeric:tabular-nums; font-weight:700; font-size:1.15rem; color:var(--white);}
.ledger-label{font-size:.78rem; color:var(--fog-muted); letter-spacing:.02em;}

/* ===== Calculator ===== */
.calculator{padding:80px 0; background:var(--ivory-dim);}
.calc-inner{display:flex; gap:52px; align-items:flex-start; flex-wrap:wrap;}
.calc-copy{flex:1 1 340px; min-width:280px;}
.calc-copy p:not(.eyebrow){color:var(--muted); margin:0;}
.calc-card{
  flex:1 1 380px; min-width:300px;
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:32px;
  display:flex; flex-direction:column; gap:20px;
  box-shadow:0 20px 44px -28px rgba(var(--shadow),.25);
}
.calc-field{display:flex; flex-direction:column; gap:6px;}
.calc-field label{
  font-family:var(--sans); font-size:.72rem; letter-spacing:.08em; text-transform:uppercase;
  color:var(--muted); font-weight:700;
}
.calc-down-row{display:flex; gap:12px;}
.calc-down-row .calc-input-wrap{flex:1 1 auto;}
.calc-down-row .calc-input-wrap-pct{flex:0 0 90px;}
.calc-input-wrap{
  display:flex; align-items:center;
  border:1.5px solid var(--border);
  border-radius:8px;
  padding:0 12px;
  background:var(--ivory);
  transition:border-color .15s ease;
}
.calc-input-wrap:focus-within{border-color:var(--signal);}
.calc-prefix,.calc-suffix{color:var(--muted); font-family:var(--sans); font-size:.95rem;}
.calc-input-wrap input{
  border:none; background:transparent; outline:none;
  padding:11px 8px; font-family:var(--sans); font-variant-numeric:tabular-nums; font-size:1rem; color:var(--ink);
  width:100%; min-width:0;
}
.calc-input-wrap-pct input{text-align:right;}
#calc-term{
  border:1.5px solid var(--border);
  border-radius:8px;
  padding:11px 12px;
  background:var(--ivory);
  font-family:var(--sans); font-size:.95rem; color:var(--ink);
}
.calc-result{
  background:var(--navy);
  border-radius:8px;
  padding:20px 22px;
  display:flex; flex-direction:column; gap:6px;
}
.calc-result-label{
  font-family:var(--sans); font-weight:700; font-size:.7rem; letter-spacing:.08em; text-transform:uppercase; color:var(--fog-muted);
}
.calc-result-num{font-family:var(--serif); font-weight:700; font-size:2.1rem; color:var(--white);}
.calc-result-note{font-size:.72rem; color:var(--fog-muted); line-height:1.4;}
.calc-cta{width:100%;}

/* ===== Programs ===== */
.programs{padding:80px 0;}

.program-tabs{
  display:flex; flex-wrap:wrap; justify-content:center; gap:10px;
  margin:0 0 40px;
}
.program-tab{
  font-family:var(--sans); font-weight:600; font-size:.88rem;
  padding:10px 18px;
  border-radius:999px;
  border:1.5px solid var(--border);
  background:var(--white);
  color:var(--muted);
  cursor:pointer;
  transition:background .15s ease, color .15s ease, border-color .15s ease;
}
.program-tab:hover{border-color:var(--signal);}
.program-tab.active{
  background:var(--navy); border-color:var(--navy); color:var(--white);
}

.program-panel{display:none;}
.program-panel.active{display:block;}
.program-more{
  text-align:center; color:var(--muted); font-size:.92rem;
  margin:28px 0 0;
}
.program-more a{color:var(--signal-dark); font-weight:600;}

.program-panel-intro{
  text-align:center; color:var(--muted); font-size:.96rem;
  max-width:640px; margin:0 auto 28px;
}

.program-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
  gap:22px;
}
.program-card{
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:26px 24px;
}
.program-card h3{font-family:var(--serif); color:var(--navy); font-size:1.2rem; margin:6px 0 10px;}
.program-card p{color:var(--muted); font-size:.94rem; margin:0;}

/* ===== Process ===== */
.process{padding:80px 0; background:var(--ivory-dim);}
.process-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(220px,1fr));
  gap:26px;
}
.process-step{padding:6px;}
.step-num{
  font-family:var(--sans); font-weight:700; color:var(--signal-dark);
  font-size:1rem; display:block; margin-bottom:10px;
}
.process-step h3{font-family:var(--serif); color:var(--navy); font-size:1.15rem; margin:0 0 8px;}
.process-step p{color:var(--muted); font-size:.92rem; margin:0;}

/* ===== About ===== */
.about{padding:84px 0;}
.about-inner{display:flex; gap:52px; align-items:flex-start; flex-wrap:wrap;}
.about-media{flex:0 0 280px;}
.about-media img{
  border-radius:var(--radius);
  aspect-ratio:4/5; object-fit:cover;
  border:6px solid var(--white);
  box-shadow:0 20px 40px -22px rgba(var(--shadow),.35);
}
.about-copy{flex:1 1 420px; min-width:300px;}
.about-copy p{color:var(--muted); margin:0 0 16px;}
.about-logos{display:flex; align-items:center; gap:24px; margin-top:20px;}
.about-logos img{height:44px; width:auto;}

/* ===== Local Trust ===== */
.local{padding:64px 0; background:var(--ivory-dim);}
.local-inner{display:flex; gap:48px; align-items:flex-start; flex-wrap:wrap;}
.local-inner + .local-inner{margin-top:0;}
.local-copy{flex:1 1 340px; min-width:280px;}
.local-copy p:not(.eyebrow){color:var(--muted); margin:0;}
.local-copy a{color:var(--signal-dark); font-weight:600;}
.local-areas{
  flex:1 1 380px; min-width:280px;
  display:flex; flex-wrap:wrap; gap:10px;
  align-content:flex-start;
}
.local-area{
  font-family:var(--sans); font-weight:700; font-size:.82rem;
  color:var(--navy);
  background:var(--white);
  border:1px solid var(--border);
  border-radius:999px;
  padding:8px 16px;
}
.local-state{border-color:var(--signal);}
.local-state-more{color:var(--muted); border-style:dashed;}
.local-divider{height:1px; background:var(--border); margin:48px 0;}

/* ===== Reviews ===== */
.reviews{padding:80px 0; background:var(--navy); color:var(--ivory);}
.reviews .eyebrow{color:var(--signal);}
.reviews .section-title{color:var(--white);}
.review-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit,minmax(260px,1fr));
  gap:22px;
}
.review-card{
  background:rgba(255,255,255,.06);
  border:1px solid rgba(255,255,255,.12);
  border-radius:var(--radius);
  padding:24px;
}
.stars{color:var(--gold); letter-spacing:.06em; margin-bottom:10px;}
.review-card p{font-size:.95rem; margin:0 0 14px;}
.review-author{font-family:var(--sans); font-weight:600; font-size:.78rem; color:var(--fog-muted);}
.reviews-link{text-align:center; margin-top:34px;}
.reviews-link a{color:var(--signal); font-weight:600;}

/* ===== FAQ ===== */
.faq{padding:80px 0;}
.faq-list{max-width:760px; margin:0 auto; display:flex; flex-direction:column; gap:12px;}
.faq-item{
  border:1px solid var(--border);
  border-radius:var(--radius);
  background:var(--white);
  overflow:hidden;
}
.faq-question{
  width:100%;
  display:flex; align-items:center; justify-content:space-between; gap:16px;
  background:none; border:none; cursor:pointer;
  padding:20px 22px;
  text-align:left;
  font-family:var(--sans); font-weight:600; font-size:1rem; color:var(--navy);
}
.faq-icon{
  font-family:var(--sans); font-weight:700; font-size:1.2rem; color:var(--signal-dark);
  flex-shrink:0; transition:transform .2s ease;
}
.faq-item.open .faq-icon{transform:rotate(45deg);}
.faq-answer{
  max-height:0;
  overflow:hidden;
  transition:max-height .25s ease;
}
.faq-item.open .faq-answer{max-height:240px;}
.faq-answer p{margin:0; padding:0 22px 20px; color:var(--muted); font-size:.95rem; line-height:1.6;}

/* ===== Interest form ===== */
.interest{padding:80px 0; background:var(--ivory-dim);}
.interest-inner{display:flex; gap:52px; align-items:flex-start; flex-wrap:wrap;}
.interest-copy{flex:1 1 340px; min-width:280px;}
.interest-copy p:not(.eyebrow){color:var(--muted); margin:0;}
.interest-card{
  flex:1 1 420px; min-width:300px;
  background:var(--white);
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:32px;
  display:flex; flex-direction:column; gap:18px;
  box-shadow:0 20px 44px -28px rgba(var(--shadow),.25);
}
.interest-row{display:flex; gap:16px;}
.interest-row-2 .calc-field{flex:1 1 0;}
.hp-field{position:absolute; left:-9999px;}
.field-select{
  border:1.5px solid var(--border);
  border-radius:8px;
  padding:11px 12px;
  background:var(--ivory);
  font-family:var(--sans); font-size:.95rem; color:var(--ink);
  width:100%;
}
.field-textarea{
  border:1.5px solid var(--border);
  border-radius:8px;
  padding:11px 12px;
  background:var(--ivory);
  font-family:var(--sans); font-size:.95rem; color:var(--ink);
  width:100%;
  resize:vertical;
}
.field-textarea:focus,
.field-select:focus{outline:none; border-color:var(--signal);}
.interest-submit{width:100%; margin-top:4px;}
.interest-note{
  text-align:center; font-size:.86rem; margin:0;
  color:var(--muted);
}
.interest-note.is-success{color:var(--signal-dark); font-weight:600;}
.interest-note.is-error{color:#c0392b; font-weight:600;}

@media (max-width:560px){
  .interest-row-2{flex-direction:column;}
}

/* ===== CTA band ===== */
.cta-band{background:var(--navy); color:var(--white); padding:64px 0; text-align:center; border-top:4px solid var(--signal); border-bottom:4px solid var(--signal);}
.cta-band h2{font-family:var(--serif); font-size:2rem; margin:0 0 12px;}
.cta-band p{max-width:520px; margin:0 auto 26px; color:var(--fog);}
.cta-band .btn-primary{background:var(--signal); color:var(--navy);}
.cta-band .btn-primary:hover{background:var(--signal-dark);}

/* ===== Footer ===== */
.site-footer{background:var(--navy-deep); color:var(--fog-muted); padding:48px 0; font-size:.82rem;}
.footer-inner{display:flex; flex-wrap:wrap; gap:36px; justify-content:space-between;}
.footer-contact{line-height:1.8;}
.footer-contact strong{color:var(--white); font-family:var(--serif); font-size:1.05rem;}
.footer-contact a:hover{color:var(--white);}
.footer-social{margin-top:14px;}
.footer-social a{
  display:inline-flex; align-items:center; gap:8px;
  color:var(--fog-muted); font-size:.85rem;
}
.footer-social a:hover{color:var(--signal);}
.footer-legal a{color:var(--fog-muted); text-decoration:underline;}
.footer-legal a:hover{color:var(--white);}
.footer-legal{flex:1 1 420px; max-width:640px;}
.footer-legal p{margin:0 0 10px;}

/* ===== Sticky mobile CTA ===== */
.mobile-cta{display:none;}

/* ===== Responsive ===== */
@media (max-width:640px){
  .hero-copy h1{font-size:2.1rem;}
  .section-title{font-size:1.6rem;}
  .cta-band h2{font-size:1.5rem;}
  .trust-item:nth-child(2){display:none;}
}

@media (max-width:768px){
  .nav-toggle{display:flex;}

  .site-nav{
    position:absolute;
    top:100%; left:0; right:0;
    flex-direction:column; flex-wrap:nowrap; align-items:stretch; gap:0;
    background:var(--ivory);
    border-bottom:1px solid var(--border);
    box-shadow:0 16px 30px -20px rgba(var(--shadow),.35);
    max-height:0;
    overflow:hidden;
    opacity:0;
    z-index:100;
    transition:max-height .25s ease, opacity .2s ease;
  }
  .site-nav.open{max-height:420px; opacity:1;}
  .site-nav a:not(.btn){
    padding:16px 24px;
    border-top:1px solid var(--border);
    font-size:1rem;
  }
  .site-nav .nav-phone,
  .site-nav .btn-primary{display:none;}
}

@media (max-width:768px){
  body{padding-bottom:68px;}
  .mobile-cta{
    display:flex; gap:10px;
    position:fixed; left:0; right:0; bottom:0; z-index:60;
    padding:10px 16px calc(10px + env(safe-area-inset-bottom));
    background:var(--white);
    border-top:1px solid var(--border);
    box-shadow:0 -10px 26px -14px rgba(var(--shadow),.3);
  }
  .mobile-cta .btn{padding:13px 10px; font-size:.92rem;}
  .mobile-cta-call{flex:0 0 88px;}
  .mobile-cta-apply{flex:1 1 auto;}
}