/* ============ TOKENS ============ */
:root{
  --navy:#0A1628;
  --navy-2:#0F2036;
  --brass:#C9A24B;
  --brass-soft:#dcc187;
  --paper:#F7F4EE;
  --paper-2:#efe9dd;
  --graphite:#1A1F2E;
  --ink:#2a3142;
  --muted:#6b7280;
  --red:#D64545;
  --line:rgba(26,31,46,.12);
  --line-light:rgba(247,244,238,.16);

  --font-display:'Fraunces','Georgia',serif;
  --font-body:'Inter Tight','Inter',system-ui,sans-serif;

  --maxw:1180px;
  --r:14px;
  --shadow:0 24px 60px -28px rgba(10,22,40,.45);
  --ease:cubic-bezier(.22,.61,.36,1);
}

*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{
  font-family:var(--font-body);
  background:var(--paper);
  color:var(--graphite);
  line-height:1.6;
  font-size:17px;
  -webkit-font-smoothing:antialiased;
  overflow-x:hidden;
}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}

h1,h2,h3{font-family:var(--font-display);font-weight:500;line-height:1.08;letter-spacing:-.01em}

:focus-visible{outline:2.5px solid var(--brass);outline-offset:3px;border-radius:4px}

/* ============ BUTTONS ============ */
.btn{
  display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
  font-family:var(--font-body);font-weight:600;font-size:.95rem;letter-spacing:.01em;
  padding:.85rem 1.4rem;border-radius:999px;border:1px solid transparent;cursor:pointer;
  transition:transform .25s var(--ease),box-shadow .25s var(--ease),background .25s,color .25s;
}
.btn-primary{background:var(--brass);color:var(--navy);box-shadow:0 10px 30px -12px rgba(201,162,75,.7)}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 16px 40px -14px rgba(201,162,75,.85);background:var(--brass-soft)}
.btn-ghost{background:transparent;border-color:var(--line);color:var(--ink)}
.btn-ghost:hover{background:rgba(26,31,46,.05)}
.btn-lg{padding:1.05rem 1.7rem;font-size:1rem}
.btn-block{width:100%}

/* ============ NAV ============ */
.nav{position:fixed;top:0;left:0;right:0;z-index:60;
  background:rgba(10,22,40,0);backdrop-filter:blur(0);
  transition:background .4s var(--ease),backdrop-filter .4s,box-shadow .4s,padding .3s;
  padding:1.1rem 0;color:var(--paper);
}
.nav.scrolled{background:rgba(10,22,40,.92);backdrop-filter:blur(14px);box-shadow:0 1px 0 var(--line-light);padding:.65rem 0}
.nav-inner{max-width:var(--maxw);margin:0 auto;padding:0 clamp(1.1rem,4vw,2.5rem);
  display:grid;grid-template-columns:auto 1fr auto;align-items:center;gap:1rem}
.brand{display:inline-flex;align-items:center;gap:.6rem;color:var(--paper)}
.brand-mark{flex:0 0 auto}
.brand-text{font-family:var(--font-display);font-size:1.35rem;font-weight:500;letter-spacing:-.01em}
.brand-pilots{color:var(--brass)}
.nav-phone{display:inline-flex;align-items:center;gap:.5rem;justify-self:center;
  font-weight:500;font-size:.98rem;color:var(--paper);opacity:.92;transition:opacity .2s}
.nav-phone:hover{opacity:1;color:var(--brass-soft)}
.nav-phone svg{color:var(--brass)}
.nav-micro{display:none;justify-self:center;font-size:.82rem;letter-spacing:.04em;
  text-transform:uppercase;color:var(--brass-soft);opacity:0;transition:opacity .4s}
.nav.scrolled .nav-micro{opacity:.9}
.nav-cta{justify-self:end}

/* Hamburger toggle button — hidden on desktop, shown on small screens */
.nav-toggle{display:none;background:transparent;border:0;cursor:pointer;
  width:42px;height:42px;align-items:center;justify-content:center;
  flex-direction:column;gap:5px;justify-self:end;padding:0;
  border-radius:6px;transition:background .2s}
.nav-toggle:hover{background:rgba(255,255,255,.06)}
.nav-toggle:focus-visible{outline:2px solid var(--brass);outline-offset:2px}
.nav-toggle-bar{display:block;width:22px;height:2px;background:var(--paper);
  border-radius:2px;transition:transform .25s ease,opacity .2s ease}
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(1){transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(2){opacity:0}
.nav-toggle[aria-expanded="true"] .nav-toggle-bar:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* Off-canvas drawer */
.nav-drawer{position:fixed;top:0;right:0;height:100dvh;width:min(86vw,360px);
  background:var(--navy);color:var(--paper);z-index:80;
  transform:translateX(100%);transition:transform .32s cubic-bezier(.22,.61,.36,1);
  display:flex;flex-direction:column;padding:1.1rem 1.2rem 1.4rem;
  box-shadow:-12px 0 40px rgba(0,0,0,.45);border-left:1px solid var(--line-light, rgba(255,255,255,.08))}
.nav-drawer[hidden]{display:flex!important}
.nav-drawer.open{transform:translateX(0)}
.nav-drawer-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:1.4rem}
.nav-drawer-title{font-family:'Fraunces',Georgia,serif;font-size:1.15rem;color:var(--brass);letter-spacing:.04em}
.nav-close{background:transparent;border:0;color:var(--paper);cursor:pointer;
  width:38px;height:38px;display:flex;align-items:center;justify-content:center;
  border-radius:6px;transition:background .2s}
.nav-close:hover{background:rgba(255,255,255,.06)}
.nav-close:focus-visible{outline:2px solid var(--brass);outline-offset:2px}
.nav-drawer-links{display:flex;flex-direction:column;gap:.1rem;flex:1}
.nav-drawer-link{display:block;padding:.95rem .25rem;font-size:1.05rem;color:var(--paper);
  text-decoration:none;border-bottom:1px solid rgba(255,255,255,.07);
  transition:color .15s,padding-left .15s}
.nav-drawer-link:hover,.nav-drawer-link:focus-visible{color:var(--brass);padding-left:.4rem;outline:none}
.nav-drawer-foot{margin-top:1.2rem;display:flex;flex-direction:column;gap:.85rem}
.nav-drawer-email{display:inline-flex;align-items:center;gap:.55rem;color:var(--paper);
  text-decoration:none;font-size:.92rem;opacity:.85;padding:.5rem 0}
.nav-drawer-email svg{color:var(--brass)}
.nav-drawer-email:hover{opacity:1;color:var(--brass-soft, var(--brass))}
.nav-drawer-cta{text-align:center;width:100%}
.nav-scrim{position:fixed;inset:0;background:rgba(5,12,22,.55);z-index:75;
  opacity:0;transition:opacity .25s;backdrop-filter:blur(2px)}
.nav-scrim.open{opacity:1}
body.nav-open{overflow:hidden}

/* ============ HERO ============ */
.hero{position:relative;min-height:90vh;display:flex;align-items:center;
  padding:clamp(6.5rem,12vh,9rem) 0 clamp(3rem,7vh,5rem);color:var(--paper)}
.hero-bg{position:absolute;inset:0;z-index:0}
.hero-bg picture{display:block;width:100%;height:100%}
.hero-bg img{width:100%;height:100%;object-fit:cover}
.hero-scrim{position:absolute;inset:0;
  background:linear-gradient(105deg,rgba(10,22,40,.95) 0%,rgba(10,22,40,.82) 38%,rgba(10,22,40,.45) 70%,rgba(10,22,40,.55) 100%)}
.hero-grid{position:relative;z-index:1;max-width:var(--maxw);margin:0 auto;width:100%;
  padding:0 clamp(1.1rem,4vw,2.5rem);
  display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:clamp(2rem,4vw,4rem);align-items:center}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:600;letter-spacing:.16em;
  text-transform:uppercase;color:var(--brass-soft);margin-bottom:1.1rem}
.eyebrow-dark{color:var(--brass)}
.hero h1{font-size:clamp(2.4rem,5.2vw,4.1rem);font-weight:400;max-width:13ch}
.hero h1 em{font-style:italic;color:var(--brass-soft)}
.hero-sub{font-size:clamp(1.05rem,1.5vw,1.22rem);color:rgba(247,244,238,.86);
  margin:1.4rem 0 1.8rem;max-width:46ch;font-weight:400}
.persona-switcher{display:flex;flex-wrap:wrap;gap:.55rem;margin-bottom:1.8rem}
.chip{font-family:var(--font-body);font-size:.86rem;font-weight:500;
  padding:.5rem .95rem;border-radius:999px;cursor:pointer;
  background:rgba(247,244,238,.07);border:1px solid var(--line-light);color:rgba(247,244,238,.82);
  transition:all .25s var(--ease)}
.chip:hover{background:rgba(247,244,238,.14);color:var(--paper)}
.chip.is-active{background:var(--brass);border-color:var(--brass);color:var(--navy);font-weight:600}
.hero-cta{margin-bottom:1.6rem}
.trust-strip{list-style:none;display:flex;flex-wrap:wrap;align-items:center;gap:.6rem 1rem;
  font-size:.84rem;color:rgba(247,244,238,.8)}
.trust-strip li{position:relative;padding-left:1rem}
.trust-strip li::before{content:"";position:absolute;left:0;top:50%;transform:translateY(-50%);
  width:4px;height:4px;border-radius:50%;background:var(--brass)}
.trust-strip li:first-child{padding-left:0}
.trust-strip li:first-child::before{display:none}
.stars{color:var(--brass);letter-spacing:1px}

/* ============ FORM CARD ============ */
.form-card{background:var(--paper);color:var(--graphite);border-radius:var(--r);
  box-shadow:var(--shadow);padding:clamp(1.5rem,2.5vw,2rem);position:relative;
  border:1px solid rgba(255,255,255,.4)}
.form-head{margin-bottom:1.3rem}
.form-head-row{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:.7rem}
.form-kicker{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);background:rgba(201,162,75,.12);padding:.25rem .6rem;border-radius:6px}
.form-stepcount{font-size:.82rem;color:var(--muted);font-weight:500}
.progress{height:5px;background:var(--paper-2);border-radius:999px;overflow:hidden}
.progress-fill{height:100%;width:33.33%;background:var(--brass);border-radius:999px;transition:width .45s var(--ease)}
.step{border:0;display:none;animation:fade .35s var(--ease)}
.step.is-active{display:block}
@keyframes fade{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.step-title{font-family:var(--font-display);font-size:1.35rem;font-weight:500;margin-bottom:1.1rem;display:block}
.radio-grid{display:grid;gap:.55rem;margin-bottom:1.3rem}
.radio-card{display:flex;align-items:center;gap:.7rem;padding:.8rem 1rem;border:1px solid var(--line);
  border-radius:10px;cursor:pointer;font-size:.95rem;transition:all .2s}
.radio-card:hover{border-color:var(--brass);background:rgba(201,162,75,.05)}
.radio-card input{accent-color:var(--brass);width:18px;height:18px;flex:0 0 auto}
.radio-card:has(input:checked){border-color:var(--brass);background:rgba(201,162,75,.09);box-shadow:0 0 0 1px var(--brass)}
.field{margin-bottom:1.05rem}
.field label{display:block;font-size:.88rem;font-weight:600;margin-bottom:.45rem;color:var(--ink)}
.field .muted,.muted{color:var(--muted);font-weight:400}
.field input,.field select{width:100%;padding:.78rem .9rem;border:1px solid var(--line);border-radius:10px;
  font-family:var(--font-body);font-size:1rem;background:#fff;color:var(--graphite);transition:border .2s,box-shadow .2s}
.field input:focus,.field select:focus{outline:none;border-color:var(--brass);box-shadow:0 0 0 3px rgba(201,162,75,.18)}
input[type=range]{padding:0;accent-color:var(--brass);height:6px}
.err{display:block;color:var(--red);font-size:.8rem;margin-top:.35rem;min-height:.2rem}
.input-invalid{border-color:var(--red)!important;box-shadow:0 0 0 3px rgba(214,69,69,.14)!important}
.consent{display:flex;gap:.65rem;align-items:flex-start;font-size:.86rem;color:var(--ink);margin-bottom:.3rem;cursor:pointer;line-height:1.5}
.consent input{accent-color:var(--brass);width:18px;height:18px;flex:0 0 auto;margin-top:2px}
.step-nav{display:flex;gap:.7rem;margin-top:1.2rem}
.step-nav .btn{flex:1}
.form-micro{font-size:.78rem;color:var(--muted);text-align:center;margin-top:1.1rem}
.form-success{text-align:center;padding:1.5rem .5rem;animation:fade .4s var(--ease)}
.form-success h3{font-size:1.7rem;margin:1rem 0 .6rem}
.form-success p{color:var(--ink);max-width:34ch;margin:0 auto .8rem}

/* ============ SECTION SHELL ============ */
section{padding:clamp(3.5rem,7vw,6rem) clamp(1.1rem,4vw,2.5rem)}
.section-head{max-width:var(--maxw);margin:0 auto clamp(2rem,4vw,3rem)}
.section-head h2{font-size:clamp(2rem,4vw,3.1rem);font-weight:400;max-width:18ch}
.lede{font-size:1.1rem;color:var(--ink);max-width:54ch;margin-top:1rem}

/* ============ SOCIAL PROOF ============ */
.proof{background:var(--navy);color:var(--paper);text-align:center;padding:clamp(2.5rem,5vw,3.5rem) clamp(1.1rem,4vw,2.5rem)}
.proof-stat{font-family:var(--font-display);font-size:clamp(1.3rem,2.6vw,2rem);font-weight:400;max-width:30ch;margin:0 auto 1.8rem;line-height:1.25}
.proof-stat strong{color:var(--brass);font-weight:500}
.proof-logos{display:flex;align-items:center;justify-content:center;gap:1.4rem;flex-wrap:wrap;opacity:.78}
.logo-ph{font-family:var(--font-display);font-size:1.05rem;letter-spacing:.01em}
.logo-ph em{font-style:normal;color:var(--brass-soft);font-weight:500}
.logo-divider{width:1px;height:22px;background:var(--line-light)}

/* ============ CASES ============ */
.cases{background:var(--paper)}
.case-grid{max-width:var(--maxw);margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.case{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.8rem;
  display:flex;flex-direction:column;transition:transform .3s var(--ease),box-shadow .3s var(--ease)}
.case:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.case-icon{width:48px;height:48px;border-radius:12px;display:grid;place-items:center;
  background:var(--navy);color:var(--brass);margin-bottom:1.1rem}
.case h3{font-size:1.25rem;font-weight:500;margin-bottom:.9rem;line-height:1.2}
.case-sit,.case-did{font-size:.92rem;color:var(--ink);margin-bottom:.7rem}
.case-sit strong,.case-did strong{color:var(--navy)}
.case-metrics{display:flex;gap:1rem;margin:.8rem 0 1.2rem;padding-top:1rem;border-top:1px solid var(--line)}
.case-metrics span{display:flex;flex-direction:column}
.case-metrics b{font-family:var(--font-display);font-size:1.2rem;font-weight:500;color:var(--navy)}
.case-metrics small{font-size:.72rem;color:var(--muted);text-transform:uppercase;letter-spacing:.05em}
.case-link{margin-top:auto;font-weight:600;font-size:.9rem;color:var(--brass);transition:gap .2s}
.case-link:hover{color:var(--navy)}
.rate-disclaimer{max-width:var(--maxw);margin:2rem auto 0;font-size:.78rem;color:var(--muted);text-align:center}

/* ============ HOW ============ */
.how{background:var(--navy);color:var(--paper)}
.how .section-head h2{color:var(--paper)}
.how-flow{max-width:var(--maxw);margin:0 auto;list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;counter-reset:none}
.how-step{position:relative;padding:1.7rem 1.4rem;border:1px solid var(--line-light);border-radius:var(--r);background:rgba(247,244,238,.03)}
.how-num{font-family:var(--font-display);font-size:.95rem;color:var(--brass);opacity:.7;font-weight:500}
.how-icon{width:52px;height:52px;border-radius:50%;border:1px solid var(--brass);color:var(--brass);
  display:grid;place-items:center;margin:.9rem 0 1.1rem}
.how-step h3{font-size:1.2rem;font-weight:500;margin-bottom:.5rem}
.how-step p{font-size:.9rem;color:rgba(247,244,238,.78)}

/* ============ FIT ============ */
.fit{background:var(--paper-2)}
.fit-grid{max-width:var(--maxw);margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:1.6rem}
.fit-col{background:#fff;border-radius:var(--r);padding:2rem;border:1px solid var(--line)}
.fit-good{border-top:3px solid var(--brass)}
.fit-bad{border-top:3px solid var(--muted)}
.fit-col h3{font-size:1.3rem;font-weight:500;margin-bottom:1.2rem;display:flex;align-items:center;gap:.7rem}
.fit-badge{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;font-size:.95rem;font-family:var(--font-body);font-weight:700;flex:0 0 auto}
.fit-yes{background:rgba(201,162,75,.16);color:var(--brass)}
.fit-no{background:rgba(107,114,128,.14);color:var(--muted)}
.fit-col ul{list-style:none;display:grid;gap:.75rem}
.fit-col li{font-size:.98rem;color:var(--ink);padding-left:1.4rem;position:relative}
.fit-col li::before{content:"";position:absolute;left:0;top:.6em;width:7px;height:7px;border-radius:50%;background:var(--brass)}
.fit-bad li::before{background:var(--muted)}

/* ============ RATES ============ */
.rates{background:var(--paper)}
.rate-wrap{max-width:880px;margin:0 auto}
.rate-table{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow)}
.rate-table th,.rate-table td{padding:1.05rem 1.4rem;text-align:left;font-size:.98rem}
.rate-table thead th{background:var(--navy);color:var(--paper);font-family:var(--font-body);font-weight:600;font-size:.82rem;letter-spacing:.06em;text-transform:uppercase}
.rate-table tbody th{font-family:var(--font-display);font-weight:500;color:var(--navy);font-size:1.05rem}
.rate-table tbody tr+tr{border-top:1px solid var(--line)}
.rate-table tbody td{color:var(--ink)}
.fee-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;margin:1.6rem 0}
.fee{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1.1rem;text-align:center}
.fee b{font-family:var(--font-display);font-size:1.4rem;font-weight:500;color:var(--navy);display:block}
.fee small{font-size:.78rem;color:var(--muted);text-transform:uppercase;letter-spacing:.04em}
.rate-note{font-size:.82rem;color:var(--muted);text-align:center;max-width:62ch;margin:0 auto}

/* ============ LOCAL ============ */
.local{position:relative;color:var(--paper);padding:clamp(4rem,8vw,7rem) clamp(1.1rem,4vw,2.5rem);overflow:hidden}
.local-bg{position:absolute;inset:0;z-index:0}
.local-bg picture{display:block;width:100%;height:100%}
.local-bg img{width:100%;height:100%;object-fit:cover}
.local-scrim{position:absolute;inset:0;background:linear-gradient(100deg,rgba(10,22,40,.93),rgba(10,22,40,.6))}
.local-inner{position:relative;z-index:1;max-width:var(--maxw);margin:0 auto;display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(2rem,4vw,4rem);align-items:center}
.local-copy h2{font-size:clamp(1.9rem,3.5vw,2.8rem);font-weight:400;margin-bottom:1.1rem;color:var(--paper)}
.local-copy p{color:rgba(247,244,238,.85);font-size:1.05rem;max-width:46ch}
.map-card{background:rgba(247,244,238,.06);border:1px solid var(--line-light);border-radius:var(--r);padding:1.8rem;backdrop-filter:blur(6px)}
.map-label{font-size:.74rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--brass);display:block;margin-bottom:1.1rem}
.pins{list-style:none;display:flex;flex-wrap:wrap;gap:.6rem}
.pins li{font-size:.88rem;padding:.5rem .9rem;border-radius:999px;background:rgba(247,244,238,.08);border:1px solid var(--line-light);
  position:relative;padding-left:1.7rem}
.pins li::before{content:"";position:absolute;left:.8rem;top:50%;transform:translateY(-60%);width:7px;height:7px;border-radius:50% 50% 50% 0;background:var(--brass);rotate:-45deg}

/* ============ FAQ ============ */
.faq{background:var(--paper-2)}
.faq-list{max-width:820px;margin:0 auto}
.faq-item{border-bottom:1px solid var(--line)}
.faq-q{width:100%;text-align:left;background:none;border:0;cursor:pointer;
  font-family:var(--font-display);font-size:1.15rem;font-weight:500;color:var(--navy);
  padding:1.3rem 2.5rem 1.3rem 0;position:relative;line-height:1.3}
.faq-q::after{content:"+";position:absolute;right:.2rem;top:50%;transform:translateY(-50%);
  font-family:var(--font-body);font-size:1.5rem;color:var(--brass);transition:transform .3s var(--ease)}
.faq-item.open .faq-q::after{transform:translateY(-50%) rotate(45deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .4s var(--ease)}
.faq-a-inner{padding:0 2.5rem 1.4rem 0;color:var(--ink);font-size:.98rem}

/* ============ CTA2 ============ */
.cta2{background:var(--navy);color:var(--paper);text-align:center}
.cta2-inner{max-width:680px;margin:0 auto}
.cta2 h2{font-size:clamp(1.8rem,3.5vw,2.6rem);font-weight:400;color:var(--paper);margin:.8rem 0 1.8rem;max-width:20ch;margin-left:auto;margin-right:auto}

/* ============ FOOTER ============ */
.footer{background:#070F1C;color:rgba(247,244,238,.7);padding:clamp(3rem,5vw,4rem) clamp(1.1rem,4vw,2.5rem) 2rem}
.footer-top{max-width:var(--maxw);margin:0 auto;display:grid;grid-template-columns:1fr 1fr;gap:2rem;padding-bottom:2rem;border-bottom:1px solid var(--line-light)}
.footer .brand-text{color:var(--paper)}
.footer-tag{font-family:var(--font-display);font-size:1.1rem;color:rgba(247,244,238,.8);margin-top:1rem;max-width:34ch;font-style:italic}
.footer-meta{font-size:.88rem;display:grid;gap:.4rem;align-content:start}
.footer-meta a:hover{color:var(--brass-soft)}
.footer-links{display:flex;gap:1.2rem;margin-top:.7rem;flex-wrap:wrap}
.footer-links a{font-weight:600;color:rgba(247,244,238,.8)}
.footer-links a:hover{color:var(--brass)}
.disclosure{max-width:var(--maxw);margin:1.6rem auto 0;font-size:.76rem;color:rgba(247,244,238,.5);line-height:1.6}
.copyright{max-width:var(--maxw);margin:1rem auto 0;font-size:.8rem;color:rgba(247,244,238,.45)}

/* ============ MODAL ============ */
.modal[hidden]{display:none!important}
.modal{position:fixed;inset:0;z-index:100;display:flex;align-items:center;justify-content:center;
  background:rgba(7,15,28,.7);backdrop-filter:blur(6px);padding:1.5rem;animation:fade .3s var(--ease)}
.modal-card{background:var(--paper);border-radius:var(--r);padding:clamp(2rem,4vw,2.8rem);max-width:440px;width:100%;
  position:relative;box-shadow:var(--shadow);text-align:left}
.modal-card h3{font-size:1.8rem;font-weight:500;margin:.7rem 0 .8rem;color:var(--navy)}
.modal-card p{color:var(--ink);margin-bottom:1.5rem}
.modal-close{position:absolute;top:1rem;right:1rem;background:none;border:0;font-size:1.1rem;color:var(--muted);cursor:pointer;padding:.4rem}
.modal-close:hover{color:var(--navy)}

/* ============ SCROLL REVEAL ============ */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}

/* ============ RESPONSIVE ============ */
@media(max-width:980px){
  .hero-grid{grid-template-columns:1fr;gap:2.5rem}
  .hero h1{max-width:18ch}
  .local-inner{grid-template-columns:1fr;gap:2rem}
  .case-grid{grid-template-columns:1fr 1fr}
  .how-flow{grid-template-columns:1fr 1fr}
}
@media(min-width:721px){
  .nav.scrolled .nav-micro{display:block}
}
/* Show hamburger + hide inline desktop bits on tablet/mobile */
@media(max-width:900px){
  .nav-toggle{display:flex}
  .nav-phone{display:none}
  .nav-cta{display:none}
  .nav-micro{display:none!important}
  .nav-inner{grid-template-columns:1fr auto;gap:.6rem}
}

@media(max-width:720px){
  body{font-size:16px}
  .nav-inner{grid-template-columns:auto auto;gap:.6rem}
  .nav-phone{display:none}
  .nav-micro{display:none!important}
  .brand-text{font-size:1.2rem}
  .nav-cta{font-size:.82rem;padding:.6rem 1rem}
  .hero{min-height:auto;padding-top:6rem}
  .case-grid{grid-template-columns:1fr}
  .how-flow{grid-template-columns:1fr}
  .fit-grid{grid-template-columns:1fr}
  .fee-grid{grid-template-columns:1fr 1fr}
  .footer-top{grid-template-columns:1fr;gap:1.5rem}
  .proof-logos{gap:.9rem}
  .logo-divider{display:none}
  .rate-table th,.rate-table td{padding:.85rem .8rem;font-size:.88rem}
}

@media(prefers-reduced-motion:reduce){
  *{animation-duration:.001ms!important;transition-duration:.001ms!important;scroll-behavior:auto!important}
  .reveal{opacity:1;transform:none}
}

/* ===== KEY FACTS (LLM-citable panel) ===== */
.key-facts{background:var(--paper);color:var(--graphite);padding:48px 24px;border-top:1px solid rgba(10,22,40,.08);border-bottom:1px solid rgba(10,22,40,.08)}
.facts-grid{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px 28px;padding:0}
.facts-grid .fact{margin:0}
.facts-grid dt{font-family:'Fraunces',Georgia,serif;font-weight:600;font-size:.95rem;color:var(--navy,#0A1628);letter-spacing:.01em;margin-bottom:4px}
.facts-grid dd{margin:0;font-size:.95rem;line-height:1.45;color:var(--graphite,#1A1F2E)}
.facts-grid dd a{color:var(--navy,#0A1628);text-decoration:underline;text-underline-offset:2px}
.facts-disclaimer{max-width:1180px;margin:18px auto 0;font-size:.78rem;color:rgba(26,31,46,.65);font-style:italic}
@media(max-width:600px){.key-facts{padding:36px 18px}.facts-grid{gap:14px 18px}}