/* ==========================================================================
   NRG Financial Services — design system
   Official brand palette (Brand Guidelines v2.0): green #106947, deep blue
   #011E3D, gray orange #D08D35, light gray #CECECE, pure black/white.
   NOTE: the --copper* token names are retained for stability but now hold the
   brand GREEN (#106947 family). Likewise .copper / "warm" comments are legacy
   names — the live palette is green/grey/black plus blue/orange accents.
   ========================================================================== */

/* ---------- Design tokens ------------------------------------------------- */
:root {
  /* Surfaces */
  --bg:            #F3F4F4;   /* light grey page background */
  --card:          #ffffff;
  --panel:         #E9EBEA;   /* light grey panel */
  --panel-2:       #E7F1EC;   /* light green tint (badges) */
  --ink:           #1A1A1A;   /* near-black — headings, dark sections */
  --ink-2:         #0F0F10;   /* deepest — footer */
  --ink-line:      #2A2A2A;   /* hairlines on dark */
  --ink-line-2:    #353535;

  /* Accent — brand green (official Brand Guidelines green #106947) */
  --copper:        #106947;
  --copper-dark:   #0C4C33;   /* hover / deeper */
  --copper-light:  #74A894;   /* on dark backgrounds */
  --copper-wash:   #E7F0ED;

  /* CTA button grey (buttons only — text/heading/icon green above is untouched) */
  --cta-grey:      #6B7280;
  --cta-grey-dark: #4B5563;   /* hover / deeper */
  --cta-grey-wash: #EEF0F2;

  /* Brand secondary accents (Brand Guidelines: deep blue + gray orange) */
  --blue:          #011E3D;
  --orange:        #D08D35;

  /* Text */
  --text:          #3A3A3A;
  --text-2:        #4C4C4C;
  --text-3:        #5E5E5E;
  --muted:         #767676;
  --muted-2:       #969696;

  /* On dark */
  --on-dark:       #F3F4F4;
  --on-dark-2:     #B6BABA;
  --on-dark-3:     #A0A4A4;
  --on-dark-4:     #888C8C;

  /* Lines */
  --border:        #E4E6E5;
  --border-2:      #DADCDB;
  --border-3:      #CCD0CE;

  /* Type — official Brand Guidelines typeface: Inter */
  --display: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI',
             Roboto, Helvetica, Arial, sans-serif;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, 'Segoe UI',
          Roboto, Helvetica, Arial, sans-serif;

  /* Layout */
  --maxw: 1240px;
  --pad: 32px;
  --radius: 14px;
  --radius-lg: 24px;
  --shadow: 0 16px 38px rgba(20, 20, 20, 0.10);
  --shadow-lg: 0 18px 40px rgba(20, 20, 20, 0.16);

  --header-h: 76px;
}

/* ---------- Reset / base -------------------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; overflow-x: clip; }

body {
  margin: 0;
  font-family: var(--sans);
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
  overflow-x: clip;
}

img, svg { max-width: 100%; display: block; }
a { color: inherit; }
button { font-family: inherit; }

:focus-visible {
  outline: 3px solid var(--copper);
  outline-offset: 2px;
  border-radius: 4px;
}

.skip-link {
  position: absolute; left: -9999px; top: 0; z-index: 200;
  background: var(--ink); color: var(--on-dark);
  padding: 12px 20px; border-radius: 0 0 10px 0; font-weight: 700;
}
.skip-link:focus { left: 0; }

/* ---------- Layout helpers ------------------------------------------------ */
.container { max-width: var(--maxw); margin: 0 auto; padding-left: var(--pad); padding-right: var(--pad); }
.section { padding-top: 88px; padding-bottom: 88px; }
.section--tight { padding-top: 56px; padding-bottom: 56px; }
.section--flush-top { padding-top: 24px; }

.eyebrow {
  display: inline-block;
  font-size: 12px; font-weight: 700; letter-spacing: 2px;
  text-transform: uppercase; color: var(--text);
  margin: 0 0 14px;
}
.eyebrow--light { color: var(--copper-light); }

.lead { font-size: 19px; line-height: 1.6; color: var(--text-2); }

/* ---------- Typography ---------------------------------------------------- */
h1, h2, h3, h4 { color: var(--ink); margin: 0; text-wrap: balance; }

/* long email addresses wrap instead of running off narrow screens */
a[href^="mailto:"] { overflow-wrap: anywhere; }

.display {
  font-family: var(--display);
  font-weight: 800;
  letter-spacing: -0.5px;
  line-height: 1.04;
  text-transform: none;
}
.h1 { font-size: clamp(40px, 5.6vw, 70px); line-height: 1.05; letter-spacing: -1px; }
.h2 { font-size: clamp(30px, 4vw, 46px); letter-spacing: -0.6px; }
.h3 { font-size: clamp(24px, 2.8vw, 34px); letter-spacing: -0.4px; }

.copper { color: var(--copper); }
.copper-light { color: var(--copper-light); }

.measure { max-width: 620px; }
.measure-sm { max-width: 540px; }

/* ---------- Badge / pill -------------------------------------------------- */
.badge {
  display: inline-flex; align-items: center; gap: 9px;
  background: var(--panel-2); border: 1px solid var(--border-3);
  padding: 7px 14px; border-radius: 100px;
  font-size: 12px; font-weight: 700; letter-spacing: 1.5px;
  text-transform: uppercase; color: var(--copper-dark);
}
.badge .dot { width: 7px; height: 7px; border-radius: 50%; background: var(--copper); }
.badge--dark { background: rgba(255,255,255,0.06); border-color: var(--ink-line-2); color: var(--copper-light); }

/* ---------- Buttons ------------------------------------------------------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  font-size: 16px; font-weight: 700; line-height: 1;
  padding: 16px 26px; border-radius: 10px;
  text-decoration: none; border: 1.5px solid transparent; cursor: pointer;
  transition: background 180ms ease, transform 180ms ease, border-color 180ms ease, color 180ms ease;
}
.btn svg { flex: none; }
.btn--dark   { background: var(--ink); color: var(--on-dark); }
.btn--dark:hover   { background: #000; transform: translateY(-2px); }
.btn--copper { background: var(--cta-grey); color: #fff; }
.btn--copper:hover { background: var(--cta-grey-dark); transform: translateY(-2px); }
.btn--light  { background: #fff; color: var(--ink); }
.btn--light:hover  { transform: translateY(-2px); }
.btn--outline { background: transparent; color: var(--ink); border-color: var(--border-3); }
.btn--outline:hover { border-color: var(--copper); color: var(--copper-dark); }
.btn--outline-light { background: transparent; color: var(--on-dark); border-color: var(--ink-line-2); }
.btn--outline-light:hover { border-color: var(--copper-light); color: #fff; }
.btn--block { width: 100%; }
.btn--sm { padding: 12px 20px; font-size: 14px; }
.btn--lg { padding: 18px 30px; font-size: 18px; }

/* ---------- Utility bar (top contact strip) -------------------------------- */
.util-bar { background: #626262; color: var(--on-dark-2); font-size: 13px; }
.util-bar__inner {
  max-width: var(--maxw); margin: 0 auto; padding: 9px var(--pad);
  display: flex; align-items: center; justify-content: flex-end; gap: 28px;
}
.util-bar a { color: var(--on-dark); text-decoration: none; font-weight: 600; display: inline-flex; align-items: center; gap: 8px; padding: 12px 0; margin: -12px 0; }
.util-bar a:hover { color: var(--copper-light); }
.util-bar .diamond { width: 6px; height: 6px; background: var(--copper-light); transform: rotate(45deg); flex: none; }

/* ---------- Diagonal section bands ----------------------------------------
   Pairing rule: the LATER section in the DOM carries the clip-path + negative
   margin (band--cut-tl/tr); it reveals the plain rectangle behind it, so the
   EARLIER section needs no clip of its own — just extra bottom padding via
   band--buffer-b so its content clears the overlap. ---------------------- */
:root { --slant: 64px; }

.band { position: relative; }
/* Structural: clip + pull the band up to overlap the plain section before it.
   Apply to the outer full-bleed element. Pair with .slant-pad-t on whichever
   element (outer or inner .container) carries that band's own top padding,
   and .slant-pad-b on whichever element carries the PRECEDING section's
   bottom padding — so content never sits inside the clipped overlap zone. */
.band--cut-tl {
  clip-path: polygon(0 var(--slant), 100% 0, 100% 100%, 0 100%);
  margin-top: calc(-1 * var(--slant));
}
.band--cut-tr {
  clip-path: polygon(0 0, 100% var(--slant), 100% 100%, 0 100%);
  margin-top: calc(-1 * var(--slant));
}
/* Padding compensation is added inline per-instance as calc(<base> + var(--slant))
   on whichever element already owns that padding (often .section/.section--tight) —
   a shared utility class would collide with those on specificity/source-order. */

.band--green { background: var(--copper); color: #fff; }
.band--green h2, .band--green h3, .band--green h4 { color: #fff; }
.band--green p, .band--green .lead, .band--green li { color: rgba(255,255,255,0.82); }
.band--green .eyebrow { color: var(--copper-light); }

.band--navy { background: var(--blue); color: #fff; }
.band--navy h2, .band--navy h3, .band--navy h4 { color: #fff; }
.band--navy p, .band--navy .lead, .band--navy li { color: rgba(255,255,255,0.78); }
.band--navy .eyebrow { color: var(--copper-light); }

.band--light { background: var(--bg); }
.band--white { background: #fff; }

/* Components that normally use var(--copper) for accent text (numerals, icons)
   would go invisible on a band--green background, since that IS var(--copper).
   Compound selectors here always outrank the base rules on specificity. */
.band--green .step__num,
.band--green .stat-row__num,
.band--green .stat-chip__num,
.band--green .calc__card-num,
.band--green .num-badge--outline { color: #fff; }
.band--green .step p,
.band--green .stat-row p { color: rgba(255,255,255,0.78); }

/* decorative house-icon watermark, used inside .band (relative + overflow) */
.watermark-house {
  position: absolute; pointer-events: none; z-index: 0;
  background-color: currentColor;
  -webkit-mask: url('../assets/house-watermark.png') no-repeat center / contain;
          mask: url('../assets/house-watermark.png') no-repeat center / contain;
  opacity: 0.10;
  aspect-ratio: 412 / 465;
}
.watermark-house--br { width: 400px; right: -70px; bottom: -30px; }
.watermark-house--tr { width: 280px; right: 6%; top: -20px; }
.watermark-house--bl { width: 300px; left: -60px; bottom: -20px; }
.band > .container { position: relative; z-index: 1; }

/* numbered accent circle (Brand Guidelines "Do's / Don'ts" motif) */
.num-badge {
  width: 52px; height: 52px; border-radius: 50%; flex: none;
  display: flex; align-items: center; justify-content: center;
  font-family: var(--display); font-weight: 800; font-size: 20px; letter-spacing: 1px;
  background: var(--orange); color: #fff;
}
.num-badge--outline { background: #fff; color: var(--copper-dark); }

/* ---------- Intro card (light accent card beside a circular photo) -------- */
.intro-card {
  background: var(--panel); color: #3A3A3A; border-radius: var(--radius);
  padding: 20px 24px; box-shadow: var(--shadow-lg); max-width: 240px;
}
.intro-card .eyebrow { color: #3A3A3A; margin-bottom: 6px; }
.intro-card p { font-size: 13px; line-height: 1.5; color: #3A3A3A; margin: 0; font-weight: 500; }

/* ---------- Why-choose-us card grid ---------------------------------------- */
.choose-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.choose-card {
  background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.14);
  border-radius: var(--radius); padding: 26px 22px; min-height: 168px;
  display: flex; flex-direction: column; gap: 12px;
}
.choose-card__icon {
  width: 44px; height: 44px; border-radius: 10px; background: rgba(255,255,255,0.14);
  color: #fff; display: flex; align-items: center; justify-content: center; flex: none;
}
.choose-card h4 { font-size: 16px; font-weight: 800; color: #fff; margin: 0; letter-spacing: 0.3px; }
.choose-card p { font-size: 13.5px; line-height: 1.55; color: rgba(255,255,255,0.78); margin: 0; }

/* ---------- Services panel (image + accordion list) ------------------------ */
.svc-panel { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 44px; align-items: stretch; }
.svc-panel__media { position: relative; border-radius: var(--radius-lg); overflow: hidden; min-height: 320px; }
.svc-panel__media .btn { position: absolute; left: 24px; top: 24px; z-index: 1; }
.svc-list { display: flex; flex-direction: column; }
.svc-list details {
  border-bottom: 1px solid var(--ink-line-2); padding: 6px 0;
}
.svc-list summary {
  list-style: none; cursor: pointer; padding: 16px 4px;
  display: flex; align-items: center; justify-content: space-between; gap: 14px;
  font-size: 17px; font-weight: 700; color: #fff;
}
.svc-list summary::-webkit-details-marker { display: none; }
.svc-list summary::after {
  content: ""; flex: none; width: 30px; height: 30px; border-radius: 50%;
  background: rgba(255,255,255,0.12);
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");
  background-repeat: no-repeat; background-position: center; transition: transform 200ms ease;
}
.svc-list details[open] summary::after { transform: rotate(180deg); }
.svc-list details[open] summary { color: var(--copper-light); }
.svc-list .svc-body { padding: 0 4px 20px; font-size: 14.5px; line-height: 1.65; color: var(--on-dark-3); }
.svc-list .svc-body a { color: var(--copper-light); font-weight: 700; text-decoration: none; display: inline-block; padding: 12px 0; margin: -12px 0; }

/* ---------- FAQ row (three-up cards) --------------------------------------- */
.faq-row { display: grid; grid-template-columns: repeat(2, 1fr); gap: 20px; }
.faq-row .card { background: var(--copper); border-color: var(--copper-dark); }
.faq-row .card h4 { font-size: 16px; font-weight: 800; margin: 0 0 10px; color: #fff; }
.faq-row .card p { font-size: 14px; line-height: 1.6; color: rgba(255,255,255,0.82); margin: 0; }

/* ---------- Contact band (map + details, dark) ------------------------------ */
.contact-band__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 44px; align-items: start; }
.contact-band__cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; margin: 22px 0; }
.contact-band__cards .card { background: rgba(255,255,255,0.07); border-color: rgba(255,255,255,0.14); padding: 18px 20px; min-width: 0; display: flex; flex-direction: column; justify-content: center; }
.contact-band__cards h5 { font-size: 12px; font-weight: 700; letter-spacing: 1px; text-transform: uppercase; color: var(--copper-light); margin: 0 0 8px; }
.contact-band__cards p { font-size: 14px; color: #fff; margin: 0; line-height: 1.5; overflow-wrap: break-word; }
.contact-band__cards p a { overflow-wrap: anywhere; display: inline-block; padding: 12px 0; margin: -12px 0; }
.contact-band__map {
  min-height: 280px; border-radius: var(--radius); overflow: hidden;
  background: repeating-linear-gradient(45deg, rgba(255,255,255,0.06) 0 14px, rgba(255,255,255,0.1) 14px 28px);
  display: flex; align-items: center; justify-content: center; color: var(--on-dark-3);
  font-size: 13px; font-weight: 600; text-align: center; padding: 24px;
}

/* ---------- Header / nav -------------------------------------------------- */
.site-header {
  position: sticky; top: 14px; z-index: 100;
  width: calc(100% - 16px); max-width: calc(var(--maxw) + 280px);
  margin: 14px auto 0;
  background: rgba(255, 255, 255, 0.62);
  -webkit-backdrop-filter: blur(18px) saturate(160%);
  backdrop-filter: blur(18px) saturate(160%);
  border: 1px solid rgba(255, 255, 255, 0.7);
  border-radius: 100px;
  box-shadow: 0 12px 32px rgba(20, 20, 20, 0.12);
  transition: top 200ms ease;
}
.site-header__inner {
  margin: 0 auto; padding: 16px 32px;
  display: flex; align-items: center; justify-content: space-between; gap: 24px;
}

.brand { display: flex; align-items: center; gap: 12px; text-decoration: none; flex-shrink: 0; }
.brand__mark {
  width: 42px; height: 42px; border-radius: 9px; background: var(--ink); color: var(--on-dark);
  font-family: var(--display); font-size: 26px; letter-spacing: 1px;
  display: flex; align-items: center; justify-content: center; line-height: 1; flex: none;
}
.brand__chev { height: 38px; width: auto; display: block; flex: none; }
.brand__name { display: flex; flex-direction: column; line-height: 1; }
.brand__word { font-family: var(--display); font-weight: 800; font-size: 25px; letter-spacing: -0.3px; color: var(--ink); white-space: nowrap; }
.brand__logo { height: 62px; width: auto; display: block; flex: none; }
.brand__mark-plate { display: inline-flex; align-items: center; background: transparent; border-radius: 10px; padding: 8px 16px; flex: none; }
.brand__mark-plate .brand__logo { height: 72px; }

.nav { display: flex; align-items: center; gap: 22px; }
.nav a {
  font-size: 14.5px; font-weight: 600; color: #353535; text-decoration: none;
  position: relative; padding: 4px 0; white-space: nowrap;
}
.nav a:hover { color: var(--copper-dark); }
.nav a[aria-current="page"] { color: var(--copper-dark); }
.nav a[aria-current="page"]::after {
  content: ""; position: absolute; left: 0; right: 0; bottom: -2px;
  height: 2px; background: var(--copper); border-radius: 2px;
}

.header__actions { display: flex; align-items: center; gap: 16px; }
.site-header .btn--copper { border-radius: 100px; padding-left: 22px; padding-right: 22px; white-space: nowrap; min-height: 44px; }

.nav-toggle {
  display: none; width: 46px; height: 46px; border-radius: 9px; flex-shrink: 0;
  border: 1.5px solid var(--border-3); background: #fff; cursor: pointer;
  align-items: center; justify-content: center;
}
.nav-toggle span, .nav-toggle span::before, .nav-toggle span::after {
  content: ""; display: block; width: 20px; height: 2px; background: var(--ink);
  border-radius: 2px; transition: transform 200ms ease, opacity 200ms ease;
}
.nav-toggle span { position: relative; }
.nav-toggle span::before { position: absolute; top: -6px; }
.nav-toggle span::after  { position: absolute; top: 6px; }
.nav-toggle[aria-expanded="true"] span { background: transparent; }
.nav-toggle[aria-expanded="true"] span::before { transform: translateY(6px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] span::after  { transform: translateY(-6px) rotate(-45deg); }

/* ---------- Hero ---------------------------------------------------------- */
.hero { padding-top: 72px; padding-bottom: 56px; } /* not shorthand: keeps .container's side gutters */
.hero__grid {
  display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 56px; align-items: center;
}
.hero__media { position: relative; }
.hero__photo {
  width: 100%; height: auto; display: block;
  filter: drop-shadow(0 18px 38px rgba(20, 20, 20, 0.16));
}
.hero__img {
  width: 100%; height: auto; display: block;
  border-radius: 18px; box-shadow: var(--shadow-lg);
}
.rating { display: flex; align-items: center; gap: 14px; }
.stars { display: inline-flex; gap: 2px; color: var(--copper); }
.stars svg { width: 18px; height: 18px; }
.rating__text { font-size: 14px; color: var(--text-2); }
.rating__text strong { color: var(--ink); }

/* Home hero headline only (#hero-title is unique to index.html): the
   shared .h1 rule clamps to 70px and wraps this headline to 4 lines on
   desktop. Scoped override keeps it to 3 lines at 1280px+ without
   touching .h1, which every other page's hero heading also uses.
   Values are sized against the real Inter font (not a fallback), with
   a safety margin before the next word would wrap to a new line. */
@media (min-width: 1280px) {
  #hero-title { font-size: clamp(40px, 4.55vw, 58px); }
}
/* Same fix across the rest of the two-column layout (961-1279px, where
   the hero switches to two columns at 961px): keeps the same 3-line
   break all the way down to that breakpoint. */
@media (min-width: 961px) and (max-width: 1279px) {
  #hero-title { font-size: clamp(40px, 4.55vw, 64px); }
}

/* floating stat callouts over media */
.stat-chip {
  position: absolute; background: #fff; border: 1px solid var(--border);
  border-radius: var(--radius); padding: 16px 20px; box-shadow: var(--shadow-lg);
  display: flex; align-items: center; gap: 14px;
}
.stat-chip--dark { background: var(--ink); border-color: var(--ink-line-2); box-shadow: 0 18px 40px rgba(20, 20, 20,0.22); }
.stat-chip__num { font-family: var(--display); font-weight: 800; font-size: 38px; color: var(--copper); line-height: 0.8; }
.stat-chip--dark .stat-chip__num { color: #fff; }
.stat-chip__label { font-size: 13px; font-weight: 600; color: var(--text-2); line-height: 1.35; }
.stat-chip--dark .stat-chip__label { color: var(--on-dark-3); }

/* ---------- Media placeholders ------------------------------------------- */
/* Intentional, on-brand stand-ins until real corridor/Tim photography lands. */
.media {
  position: relative; width: 100%; border-radius: 18px; overflow: hidden;
  background: linear-gradient(150deg, #232323 0%, #2A2A2A 45%, #106947 120%);
  display: flex; align-items: flex-end;
  min-height: 320px;
}
.media::after {
  content: ""; position: absolute; inset: 0;
  background-image:
    radial-gradient(120% 80% at 80% -10%, rgba(56, 199, 148,0.45), transparent 60%),
    radial-gradient(90% 70% at -10% 110%, rgba(20, 20, 20,0.6), transparent 60%);
}
.media__caption {
  position: relative; z-index: 1; margin: 0; padding: 22px 24px;
  color: rgba(255,255,255,0.86); font-size: 13px; font-weight: 600; letter-spacing: 0.3px;
  display: flex; align-items: center; gap: 9px;
}
.media__caption svg { width: 16px; height: 16px; opacity: 0.85; }
.media--tall { min-height: 480px; }
.media--portrait { min-height: 520px; background: linear-gradient(160deg, #232323 0%, #2E6B52 55%, #0C4C33 115%); }
.media--coastal { background: linear-gradient(165deg, #1E2A26 0%, #2E5A4E 40%, #2E6B52 130%); }

/* corridor map motif (decorative svg sits inside .media) */
.media__motif { position: absolute; inset: 0; z-index: 0; opacity: 0.5; }

/* ---------- Calculator ---------------------------------------------------- */
.calc {
  background: var(--ink); border-radius: var(--radius-lg); padding: 44px;
  display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: stretch;
}
.calc__head .eyebrow { color: var(--copper-light); }
.calc__title { font-family: var(--display); font-weight: 800; letter-spacing: -0.6px; font-size: 36px; color: var(--on-dark); margin: 0 0 16px; line-height: 1.08; }
.calc__intro { font-size: 15px; line-height: 1.6; color: var(--on-dark-2); margin: 0 0 26px; }
.calc__col { display: flex; flex-direction: column; }

.calc__tabs { display: flex; gap: 8px; background: var(--ink-2); padding: 6px; border-radius: 12px; margin-bottom: 26px; }
.calc__tab {
  flex: 1; border: none; cursor: pointer; padding: 13px; border-radius: 8px;
  font-size: 14px; font-weight: 700; background: transparent; color: #8A8E8E;
  min-height: 44px; transition: all 180ms ease;
}
.calc__tab[aria-selected="true"] { background: var(--copper); color: #fff; }

.calc__fields { display: flex; flex-direction: column; gap: 24px; }
.field__row { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-bottom: 10px; }
.field__label { font-size: 14px; font-weight: 600; color: #E4E6E5; }
.field__val { font-family: var(--display); font-weight: 700; font-size: 22px; color: #fff; flex: none; white-space: nowrap; }
.field__val--copper { color: var(--copper-light); }

/* The visible track stays 6px; transparent padding (offset by negative
   margin, so the layout is unchanged) gives a 44px tall touch area. */
input[type="range"].slider {
  -webkit-appearance: none; appearance: none; width: 100%; height: 44px;
  padding: 19px 0; margin: -19px 0; background-clip: content-box;
  border-radius: 6px; background-color: #DDE0DE; outline: none;
}
input[type="range"].slider::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none; width: 28px; height: 28px; border-radius: 50%;
  background: var(--copper); cursor: pointer; border: 4px solid #fff;
  box-shadow: 0 2px 8px rgba(19, 122, 85,0.35);
}
input[type="range"].slider::-moz-range-thumb {
  width: 28px; height: 28px; border-radius: 50%; background: var(--copper);
  cursor: pointer; border: 4px solid #fff;
}

.calc__result {
  background: var(--bg); border-radius: 18px; padding: 38px;
  display: flex; flex-direction: column; justify-content: center;
}
.calc__result .eyebrow { color: var(--copper-dark); margin-bottom: 0; }
.calc__big { font-family: var(--display); font-weight: 800; letter-spacing: -1.5px; font-size: clamp(52px, 7vw, 78px); line-height: 0.95; color: var(--ink); margin: 10px 0 4px; }
.calc__big small { font-size: 26px; color: #888C8C; }
.calc__note { font-size: 15px; color: var(--text-2); margin: 0 0 26px; }
.calc__cards { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.calc__card { background: #fff; border: 1px solid var(--border); border-radius: 12px; padding: 18px; }
.calc__card-num { font-family: var(--display); font-weight: 800; font-size: 28px; color: var(--copper); line-height: 1.1; }
.calc__card-label { font-size: 12px; font-weight: 600; color: var(--muted); margin-top: 4px; }
.calc__disclaimer { font-size: 14px; line-height: 1.6; color: var(--muted-2); margin: 16px 0 0; }
.is-hidden { display: none !important; }

/* ---------- Cards / service tiles ---------------------------------------- */
.grid { display: grid; gap: 22px; }
.grid--auto { grid-template-columns: repeat(auto-fit, minmax(258px, 1fr)); }
.grid--2 { grid-template-columns: repeat(2, 1fr); }
.grid--3 { grid-template-columns: repeat(3, 1fr); }
.grid--4 { grid-template-columns: repeat(4, 1fr); }

.tile {
  background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 30px;
  text-decoration: none; display: flex; flex-direction: column; min-height: 230px; color: inherit;
  transition: transform 200ms ease, box-shadow 200ms ease, border-color 200ms ease;
}
.tile:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--border-3); }
.tile__num { font-family: var(--display); font-weight: 800; font-size: 26px; color: #CFD3D1; line-height: 1.1; }
.tile h3 { font-size: 22px; font-weight: 800; color: var(--ink); margin: 16px 0 10px; }
.tile p { font-size: 14px; line-height: 1.55; color: var(--text-3); margin: 0 0 auto; }
.tile__cta { display: inline-flex; align-items: center; gap: 7px; font-size: 14px; font-weight: 700; color: var(--copper); margin-top: 20px; }
.tile:hover .tile__cta svg { transform: translateX(3px); }
.tile__cta svg { transition: transform 180ms ease; }

/* generic content card */
.card { background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 30px; }
.card--panel { background: var(--panel); border-color: var(--border-2); }
.card h3 { font-size: 20px; font-weight: 800; margin: 0 0 10px; }
.card p { margin: 0; color: var(--text-2); font-size: 15px; line-height: 1.6; }

/* ---------- Dark section (Why NRG) --------------------------------------- */
.dark { background: var(--ink); color: var(--on-dark); }
.dark h2, .dark h3, .dark h4 { color: var(--on-dark); }
.dark .lead { color: var(--on-dark-2); }
.split { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 56px; align-items: start; }

.stat-row { display: grid; grid-template-columns: 64px 1fr; gap: 22px; padding: 28px 0; border-top: 1px solid var(--ink-line-2); }
.stat-row__num { font-family: var(--display); font-weight: 800; letter-spacing: -1px; font-size: 38px; color: var(--copper); line-height: 1; }
.stat-row h4 { font-size: 19px; font-weight: 800; color: var(--on-dark); margin: 0 0 7px; }
.stat-row p { font-size: 15px; line-height: 1.6; color: var(--on-dark-3); margin: 0; }

/* ---------- About / Tim --------------------------------------------------- */
.about__grid { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 56px; align-items: center; }
.prose p { font-size: 17px; line-height: 1.7; color: var(--text-2); margin: 0 0 18px; }
.prose p:last-child { margin-bottom: 0; }
.prose p.pull-quote {
  border-left: 3px solid var(--copper);
  padding-left: 22px;
  margin: 28px 0 !important;
  font-size: 24px;
  line-height: 1.4;
  font-weight: 700;
  color: var(--copper);
}
.prose strong { color: var(--ink); }
.prose em { color: var(--ink); font-style: normal; font-weight: 700; }

/* ---------- Legal / long-form -------------------------------------------- */
.legal { max-width: 820px; }
.legal .updated { font-size: 14px; color: var(--muted); margin: 0 0 28px; }
.legal h2 { font-size: 23px; font-weight: 800; color: var(--ink); margin: 40px 0 14px; }
.legal h3 { font-size: 17px; font-weight: 800; color: var(--ink); margin: 26px 0 10px; }
.legal p { font-size: 16px; line-height: 1.7; color: var(--text-2); margin: 0 0 16px; }
.legal ul { margin: 0 0 16px; padding-left: 22px; }
.legal li { font-size: 16px; line-height: 1.7; color: var(--text-2); margin-bottom: 8px; }
.legal a { color: var(--copper-dark); text-decoration: underline; padding: 2px 0; }
.legal strong { color: var(--ink); }
.legal .lead { color: var(--text-2); margin-bottom: 8px; }

.creds { display: flex; flex-wrap: wrap; gap: 10px; }
.creds span {
  font-size: 13px; font-weight: 600; color: #353535;
  background: var(--panel); border: 1px solid var(--border-2);
  padding: 9px 15px; border-radius: 8px;
}
.note-card {
  background: var(--panel); color: #3A3A3A; border-radius: var(--radius);
  padding: 16px 20px; box-shadow: var(--shadow); max-width: 230px;
}
.note-card .eyebrow { color: #3A3A3A; margin-bottom: 6px; }
.note-card p { font-size: 13px; line-height: 1.5; color: #3A3A3A; margin: 0; font-weight: 500; }

/* ---------- Team ---------------------------------------------------------- */
.team { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.team__card { background: #fff; border: 1px solid var(--border); border-radius: 16px; overflow: hidden; }
.team__photo {
  height: 220px;
  background: linear-gradient(160deg, #232323 0%, #2E6B52 60%, #0C4C33 120%);
  display: flex; align-items: center; justify-content: center;
}
.team__initials { font-family: var(--display); font-weight: 800; font-size: 48px; color: rgba(255,255,255,0.9); letter-spacing: 0.5px; }
.team__body { padding: 22px 24px; }
.team__body h4 { font-size: 19px; font-weight: 800; margin: 0 0 3px; }
.team__role { font-size: 13px; font-weight: 700; letter-spacing: 0.5px; text-transform: uppercase; color: var(--copper); margin: 0 0 12px; }
.team__body p { font-size: 14px; line-height: 1.6; color: var(--text-2); margin: 0; }

/* ---------- Steps / process ---------------------------------------------- */
.steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 22px; counter-reset: step; }
.step { position: relative; padding-top: 16px; }
.step__num {
  font-family: var(--display); font-weight: 800; letter-spacing: -0.5px; font-size: 34px; color: var(--copper); line-height: 1;
  display: block; margin-bottom: 12px;
}
.step h4 { font-size: 18px; font-weight: 800; margin: 0 0 8px; }
.step p { font-size: 14px; line-height: 1.6; color: var(--text-2); margin: 0; }

/* ---------- Before / after (debt) ---------------------------------------- */
.ba { display: grid; grid-template-columns: 1fr auto 1fr; gap: 28px; align-items: center; }
.ba__col { background: #fff; border: 1px solid var(--border); border-radius: 16px; padding: 28px; }
.ba__col--after { background: var(--ink); border-color: var(--ink); color: var(--on-dark); }
.ba__tag { font-size: 12px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: var(--muted); margin: 0 0 18px; }
.ba__col--after .ba__tag { color: var(--copper-light); }
.ba__item {
  display: flex; align-items: center; justify-content: space-between; gap: 12px;
  padding: 12px 16px; border-radius: 10px; background: var(--panel);
  font-size: 14px; font-weight: 600; color: #353535; margin-bottom: 10px;
}
.ba__item span:last-child { font-family: var(--display); font-weight: 800; font-size: 18px; color: var(--copper-dark); }
.ba__one {
  background: var(--cta-grey); color: #fff; border-radius: 10px; padding: 20px;
  text-align: center;
}
.ba__one .big { font-family: var(--display); font-weight: 800; font-size: 26px; line-height: 1.15; display: block; }
.ba__arrow { color: var(--copper); }
.ba__arrow svg { width: 40px; height: 40px; }

/* ---------- FAQ (accordion) ---------------------------------------------- */
.faq { max-width: 820px; }
.faq details { border-bottom: 1px solid var(--border); }
.faq summary {
  list-style: none; cursor: pointer; padding: 22px 0; padding-right: 40px;
  font-size: 18px; font-weight: 700; color: var(--ink); position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: "+"; position: absolute; right: 4px; top: 50%; transform: translateY(-50%);
  font-size: 26px; font-weight: 400; color: var(--copper); line-height: 1; transition: transform 200ms ease;
}
.faq details[open] summary::after { content: "\2013"; }
.faq details p { margin: 0 0 22px; color: var(--text-2); font-size: 16px; line-height: 1.7; max-width: 720px; }

/* ---------- Lender row ---------------------------------------------------- */
.lenders { background: var(--panel); border-top: 1px solid var(--border); }
.lenders__note { font-size: 14px; font-weight: 600; color: var(--muted); margin: 0 0 28px; text-align: center; }
.lenders__row { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 18px 44px; }
.lenders__row span {
  font-family: var(--display); font-weight: 700; font-size: 22px; letter-spacing: 0.5px; color: var(--on-dark-3);
  transition: color 180ms ease; filter: grayscale(1);
}
.lenders__row span:hover { color: var(--ink); }

/* ---------- CTA band ------------------------------------------------------ */
.cta-band { background: var(--copper); color: #fff; }
.cta-band__grid { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 48px; align-items: center; }
.cta-band h2 { color: #fff; font-family: var(--display); font-size: clamp(38px, 4.6vw, 62px); line-height: 0.98; margin: 0 0 16px; }
.cta-band p { font-size: 18px; line-height: 1.6; color: #E8F3EE; margin: 0; max-width: 520px; }
.cta-band__actions { display: flex; flex-direction: column; gap: 12px; }
.cta-band__hours { text-align: center; font-size: 13px; color: #E8F3EE; margin-top: 4px; }

/* ---------- Contact form -------------------------------------------------- */
.contact__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: start; }
.contact__grid > * { min-width: 0; }
.form { display: grid; gap: 18px; }
.form__row { display: grid; gap: 18px; grid-template-columns: 1fr 1fr; }
.form label { display: block; font-size: 14px; font-weight: 700; color: var(--ink); margin-bottom: 7px; }
.form input, .form select, .form textarea {
  width: 100%; font-family: inherit; font-size: 15px; color: var(--ink);
  padding: 13px 15px; border: 1.5px solid var(--border-3); border-radius: 10px;
  background: #fff; transition: border-color 160ms ease;
}
.form input:focus, .form select:focus, .form textarea:focus { border-color: var(--copper); outline: none; }
.form textarea { resize: vertical; min-height: 120px; }
.form__hint { font-size: 12px; color: var(--muted); margin: 0; }
.form__hint a { padding: 5px 0; }

.contact-detail { display: flex; gap: 16px; align-items: flex-start; padding: 18px 0; border-bottom: 1px solid var(--border); }
.contact-detail__icon {
  width: 44px; height: 44px; border-radius: 10px; background: var(--panel);
  display: flex; align-items: center; justify-content: center; flex: none; color: var(--copper);
}
.contact-detail h4 { font-size: 14px; font-weight: 700; margin: 0 0 3px; }
.contact-detail p, .contact-detail a { font-size: 15px; color: var(--text-2); margin: 0; text-decoration: none; }
.contact-detail a { display: inline-block; padding: 12px 0; margin: -12px 0; }
.contact-detail a:hover { color: var(--copper-dark); }

.map-embed {
  width: 100%; min-height: 280px; border: 1px solid var(--border); border-radius: var(--radius);
  background:
    repeating-linear-gradient(45deg, var(--panel) 0 14px, var(--panel-2) 14px 28px);
  display: flex; align-items: center; justify-content: center; color: var(--muted);
  font-size: 14px; font-weight: 600; text-align: center; padding: 24px;
}

/* ---------- Footer -------------------------------------------------------- */
.site-footer { background: #324962; color: #fff; }
.site-footer__top {
  display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 40px;
  padding-bottom: 44px; border-bottom: 1px solid var(--ink-line);
}
.site-footer h5, .site-footer .footer-heading { font-size: 13px; font-weight: 700; letter-spacing: 1.5px; text-transform: uppercase; color: #fff; margin: 0 0 16px; }
.site-footer__links { display: flex; flex-direction: column; gap: 0; }
.site-footer__links a { font-size: 14px; color: #fff; text-decoration: none; padding: 11px 0; display: inline-block; }
.site-footer__links a:hover { color: var(--copper-light); }
.site-footer__blurb { font-size: 14px; line-height: 1.6; color: #fff; margin: 16px 0 18px; max-width: 320px; }
.social { display: flex; gap: 12px; }
.social a { width: 44px; height: 44px; border-radius: 9px; background: #4B5F75; display: flex; align-items: center; justify-content: center; }
.social a:hover { background: var(--copper-light); }
.social svg { width: 16px; height: 16px; }
.footer-mark { width: 40px; height: 40px; border-radius: 9px; background: var(--copper); color: #fff; font-family: var(--display); font-weight: 800; font-size: 22px; display: flex; align-items: center; justify-content: center; line-height: 1; flex: none; }
.site-footer__legal { padding-top: 20px; display: flex; flex-wrap: wrap; gap: 4px 32px; justify-content: space-between; align-items: center; }
.site-footer__legal a { font-size: 12px; color: #fff; text-decoration: none; min-height: 44px; display: inline-flex; align-items: center; }
.site-footer__legal a:hover { color: var(--copper-light); }
.site-footer__legal span { font-size: 12px; color: #fff; }
.compliance { font-size: 12px; line-height: 1.7; color: #fff; margin: 24px 0 0; max-width: 980px; }
.compliance strong { color: #fff; }

/* ---------- Page hero (interior pages) ----------------------------------- */
/* padding-top/bottom only: a padding shorthand here would wipe out the
   side gutters of the .container this class is always paired with */
.page-hero { padding-top: 64px; padding-bottom: 40px; }
.page-hero .h1 { font-size: clamp(40px, 5vw, 64px); }
/* Match the Home hero's #hero-title sizing (css/styles.css, Home hero
   headline rules above) at the same breakpoints, using real Inter
   metrics, so hero headings are sized consistently sitewide. */
@media (min-width: 961px) and (max-width: 1279px) {
  .page-hero .h1 { font-size: clamp(40px, 4.55vw, 64px); }
}
@media (min-width: 1280px) {
  .page-hero .h1 { font-size: clamp(40px, 4.55vw, 58px); }
}
.page-hero__lead { margin-top: 22px; }
.scenario {
  background: var(--ink); color: var(--on-dark); border-radius: var(--radius-lg);
  padding: 40px 44px; font-size: clamp(20px, 2.4vw, 26px); line-height: 1.45; font-weight: 500;
}
.scenario strong { color: var(--copper-light); font-weight: 700; }

/* ---------- Misc ---------------------------------------------------------- */
.divider { height: 1px; background: var(--border); border: 0; margin: 0; }
.center { text-align: center; }
.mx-auto { margin-left: auto; margin-right: auto; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.stack > * + * { margin-top: 16px; }
.pill-list { display: flex; flex-wrap: wrap; gap: 10px; list-style: none; padding: 0; margin: 0; }
.pill-list li { font-size: 13px; font-weight: 600; color: #353535; background: var(--panel); border: 1px solid var(--border-2); padding: 9px 15px; border-radius: 8px; }

.feature { display: flex; gap: 16px; align-items: flex-start; }
.feature__icon { width: 44px; height: 44px; border-radius: 10px; background: var(--copper-wash); color: var(--copper-dark); display: flex; align-items: center; justify-content: center; flex: none; }
.feature h4 { font-size: 18px; font-weight: 800; margin: 0 0 6px; }
.feature p { font-size: 15px; line-height: 1.6; color: var(--text-2); margin: 0; }

.callout {
  background: var(--copper-wash); border: 1px solid var(--border-2); border-left: 4px solid var(--copper);
  border-radius: 12px; padding: 20px 24px;
}
.callout p { margin: 0; font-size: 14px; line-height: 1.6; color: var(--text); }
.callout strong { color: var(--ink); }

.section-head { max-width: 660px; margin-bottom: 44px; }
.section-head--center { margin-left: auto; margin-right: auto; text-align: center; }

/* fade-in on load */
@keyframes fadeUp { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: translateY(0); } }
.reveal { animation: fadeUp 600ms ease both; }

/* ---------- Responsive ---------------------------------------------------- */
@media (max-width: 960px) {
  :root { --pad: 22px; --slant: 40px; }
  .section { padding-top: 64px; padding-bottom: 64px; }
  .watermark-house--br, .watermark-house--tr, .watermark-house--bl { width: 200px; }
  .hero__grid, .split, .about__grid, .contact__grid, .calc, .cta-band__grid { grid-template-columns: 1fr; gap: 36px; }
  .grid--4 { grid-template-columns: repeat(2, 1fr); }
  .steps { grid-template-columns: repeat(2, 1fr); }
  .team { grid-template-columns: 1fr 1fr; }
  .calc { padding: 28px; }
  .hero__media { order: -1; }
  .choose-grid, .faq-row { grid-template-columns: 1fr 1fr; }
  .svc-panel { grid-template-columns: 1fr; }
  .contact-band__grid { grid-template-columns: 1fr; }
  .contact-band__cards { grid-template-columns: 1fr 1fr; }
}

/* The full nav needs about 1020px, so collapse it to the menu button
   below that rather than at the 720px layout breakpoint. */
@media (max-width: 1080px) {
  .nav { display: none; }
  .nav-toggle { display: inline-flex; }
  .site-header.is-open .nav {
    display: flex; position: absolute; top: 100%; left: 0; right: 0; margin-top: 10px;
    flex-direction: column; align-items: stretch; gap: 0;
    background: rgba(255, 255, 255, 0.9);
    -webkit-backdrop-filter: blur(18px); backdrop-filter: blur(18px);
    border: 1px solid rgba(255, 255, 255, 0.7); border-radius: 20px;
    box-shadow: 0 12px 32px rgba(20, 20, 20, 0.14);
    padding: 8px 22px 16px;
  }
  .site-header.is-open .nav a { padding: 14px 0; border-bottom: 1px solid var(--border); font-size: 17px; }
}

@media (max-width: 720px) {
  .util-bar { display: none; }
  .hero { padding-top: 40px; padding-bottom: 40px; }
  .grid--2, .grid--3, .grid--auto, .steps, .team, .form__row { grid-template-columns: 1fr; }
  .choose-grid, .faq-row, .contact-band__cards { grid-template-columns: 1fr; }
  .ba { grid-template-columns: 1fr; }
  .ba__arrow { transform: rotate(90deg); justify-self: center; }
  .calc__cards { grid-template-columns: 1fr 1fr; }
  .stat-chip { position: static; margin-top: 14px; box-shadow: var(--shadow); display: inline-flex; }
  .hero__media .stat-chip { position: static; }
  .intro-card { position: static !important; margin-top: 16px; max-width: none; }
  .cta-band__grid { text-align: center; }
  .cta-band p { margin-left: auto; margin-right: auto; }
  .site-footer__top { grid-template-columns: 1fr 1fr; gap: 28px; }
  .site-footer__brand { grid-column: 1 / -1; }
}

@media (max-width: 480px) {
  /* compact header so logo, Contact Us and the menu button share one row */
  .site-header__inner { padding: 10px 12px 10px 18px; gap: 10px; }
  .brand__logo { height: 46px; }
  .header__actions { gap: 8px; }
  .site-header .btn--copper { padding-left: 16px; padding-right: 16px; }
  /* labels that still wrap on small phones get readable line spacing */
  .btn { font-size: 15px; line-height: 1.25; text-align: center; padding-left: 16px; padding-right: 16px; }
  .calc { padding: 16px; }
  .calc__result { padding: 20px 16px; }
  .calc__result .btn { padding-left: 12px; padding-right: 12px; }
}

@media (max-width: 460px) {
  .grid--4, .calc__cards, .site-footer__top { grid-template-columns: 1fr; }
}

@media (max-width: 400px) {
  .calc__tabs { flex-direction: column; gap: 4px; }
}

@media (max-width: 359px) {
  /* Contact is still in the menu; there is no room for both buttons */
  .site-header .header__actions .btn { display: none; }
}

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
}