/* MHP Communities - navy + sky palette, gold CTAs */
:root{
  --navy:#1C3557; --navy-deep:#112440; --navy-mid:#274A72;
  --sky:#4A90C4; --sky-light:#EBF4FC; --gold:#C9973A;
  --off-white:#F5F7FA; --ink:#1A1F2E; --body:#3D4452; --muted:#7A8499; --rule:#DDE3EB;
}
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
body{font-family:'Inter',sans-serif;background:var(--off-white);color:var(--body);-webkit-font-smoothing:antialiased}
img{max-width:100%}
.eyebrow{font-size:11px;font-weight:700;letter-spacing:.15em;text-transform:uppercase;color:var(--sky)}
.btn{display:inline-block;padding:13px 28px;font-size:14px;font-weight:600;letter-spacing:.02em;border-radius:3px;text-decoration:none;transition:opacity .15s;border:none;cursor:pointer}
.btn:hover{opacity:.88}
.btn-gold{background:var(--gold);color:var(--navy-deep)}
.btn-ghost{border:1.5px solid rgba(255,255,255,.5);color:#fff;background:transparent}
.btn-navy{background:var(--navy);color:#fff}
.btn-sm{padding:9px 16px;font-size:12px}
.btn.is-loading,
.btn:disabled{
  opacity:.75;
  cursor:not-allowed;
  pointer-events:none;
}
.btn.is-loading{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:10px;
}
.btn-spinner{
  width:16px;
  height:16px;
  border:2px solid rgba(17,36,64,.25);
  border-top-color:var(--navy-deep);
  border-radius:50%;
  animation:btn-spin .7s linear infinite;
  flex:0 0 auto;
}
@keyframes btn-spin{
  to{transform:rotate(360deg)}
}
header{background:var(--navy);padding:0 5%;display:grid;grid-template-columns:1fr auto 1fr;align-items:center;gap:12px;height:64px;position:sticky;top:0;z-index:100;border-bottom:1px solid rgba(255,255,255,.08)}
.page-progress{position:fixed;top:0;left:0;height:2px;width:0;background:var(--gold);z-index:200;opacity:0;pointer-events:none;transition:width .25s ease,opacity .2s}
.page-progress.is-on{opacity:1}
#homes,#communities,#reviews,#inquire{scroll-margin-top:80px}
.logo{font-family:'Playfair Display',serif;font-weight:700;font-size:18px;color:#fff;text-decoration:none;display:flex;align-items:center;gap:8px;min-width:0;flex:0 1 auto;justify-self:start;grid-column:1}
.logo img{height:32px;width:auto;display:block;flex-shrink:0}
.logo-text{line-height:1.1;white-space:nowrap;font-size:16px}
nav{display:flex;align-items:center;gap:28px;justify-self:center;grid-column:2}
nav a{color:rgba(255,255,255,.78);font-size:13px;font-weight:500;text-decoration:none}
nav a:hover{color:#fff}
.nav-call{color:var(--gold) !important;font-weight:700}
.nav-phone{position:relative;margin-left:8px}
.nav-phone-btn{width:34px;height:34px;border-radius:50%;border:1.5px solid var(--gold);background:transparent;color:var(--gold);cursor:pointer;display:inline-flex;align-items:center;justify-content:center;transition:background .15s,color .15s;text-decoration:none}
.nav-phone-btn:hover,.nav-phone.is-open .nav-phone-btn{background:var(--gold);color:var(--navy-deep)}
.nav-phone-btn svg{width:15px;height:15px}
.nav-phone-menu{position:absolute;top:calc(100% + 10px);right:0;min-width:280px;background:#fff;border:1px solid var(--rule);border-radius:4px;box-shadow:0 12px 28px rgba(17,36,64,.18);padding:12px 0 8px;opacity:0;visibility:hidden;pointer-events:none;transform:translateY(6px);transition:opacity .15s,visibility .15s,transform .15s;z-index:130}
.nav-phone.is-open .nav-phone-menu{opacity:1;visibility:visible;pointer-events:auto;transform:translateY(0)}
.nav-phone-menu::before{content:"";position:absolute;top:-10px;left:0;right:0;height:10px}
.nav-phone-label{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);padding:0 16px 8px}
.nav-phone-menu a,
.nav-phone-menu a.btn,
.nav-phone-menu a.btn-navy{
  display:flex;
  flex-direction:column;
  align-items:flex-start;
  gap:2px;
  width:100%;
  padding:10px 16px;
  margin:0;
  text-decoration:none;
  color:var(--ink);
  background:#fff !important;
  border:none;
  border-top:1px solid var(--rule);
  border-radius:0;
  box-shadow:none;
  font-weight:inherit;
  letter-spacing:0;
  opacity:1;
}
.nav-phone-menu a:hover,
.nav-phone-menu a.btn:hover,
.nav-phone-menu a.btn-navy:hover{
  background:var(--sky-light) !important;
  color:var(--ink);
  opacity:1;
}
.nav-phone-menu a span{font-size:12px;color:var(--muted);font-weight:500}
.nav-phone-menu a strong{font-size:15px;font-weight:700;color:var(--navy)}
.header-actions{display:flex;align-items:center;gap:12px;flex-shrink:0;justify-self:end;grid-column:3}
.header-panel{display:contents;margin-left:0}
.nav-toggle{
  display:none;
  width:38px;
  height:38px;
  border:1.5px solid rgba(255,255,255,.35);
  border-radius:4px;
  background:transparent;
  padding:0;
  cursor:pointer;
  flex-direction:column;
  align-items:center;
  justify-content:center;
  gap:5px;
  flex-shrink:0;
  margin-left:auto;
}
.nav-toggle span{
  display:block;
  width:16px;
  height:2px;
  background:#fff;
  border-radius:1px;
  transition:transform .2s,opacity .2s;
}
header.is-menu-open .nav-toggle span:nth-child(1){transform:translateY(7px) rotate(45deg)}
header.is-menu-open .nav-toggle span:nth-child(2){opacity:0}
header.is-menu-open .nav-toggle span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
.nav-drop{position:relative;display:flex;align-items:center;height:64px}
.nav-drop-toggle{display:inline-flex;align-items:center;gap:5px;padding:0;color:rgba(255,255,255,.78);font-size:13px;font-weight:500;line-height:1;text-decoration:none}
.nav-drop-toggle::after{content:"";width:0;height:0;border-left:3px solid transparent;border-right:3px solid transparent;border-top:3px solid rgba(255,255,255,.65);margin-top:1px;flex-shrink:0}
.nav-drop:hover .nav-drop-toggle,.nav-drop:focus-within .nav-drop-toggle{color:#fff}
.nav-drop:hover .nav-drop-toggle::after,.nav-drop:focus-within .nav-drop-toggle::after{border-top-color:#fff}
.nav-drop-menu{position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(6px);min-width:200px;background:#fff;border:1px solid var(--rule);border-radius:4px;box-shadow:0 12px 28px rgba(17,36,64,.18);padding:8px 0;opacity:0;visibility:hidden;pointer-events:none;transition:opacity .15s,visibility .15s,transform .15s;z-index:120}
.nav-drop:hover .nav-drop-menu,.nav-drop:focus-within .nav-drop-menu{opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0)}
.nav-drop-menu a{display:block;padding:10px 16px;color:var(--ink);font-size:14px;font-weight:500;white-space:nowrap}
.nav-drop-menu a:hover{background:var(--sky-light);color:var(--navy)}
.nav-drop-menu::before{content:"";position:absolute;top:-8px;left:0;right:0;height:8px}
.hero{
  --hero-img:url('../img/hero.jpg');
  background-color:var(--navy-deep);
  background-image:linear-gradient(rgba(17,36,64,.58),rgba(17,36,64,.65)),var(--hero-img);
  background-position:center center;
  background-size:cover;
  background-repeat:no-repeat;
  padding:110px 5% 120px;
  color:#fff;
  display:flex;
  align-items:center;
  justify-content:center;
  text-align:center;
  min-height:72vh;
  position:relative;
  overflow:hidden;
}
.hero-video-bg{
  background-image:none;
}
.hero-video{
  position:absolute;
  inset:0;
  width:100%;
  height:100%;
  object-fit:cover;
  object-position:center center;
  z-index:0;
  pointer-events:none;
}
.hero-video-bg::before{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(rgba(17,36,64,.58),rgba(17,36,64,.65));
  z-index:1;
  pointer-events:none;
}
.hero-inner{max-width:780px;width:100%;margin:0 auto;position:relative;z-index:2}
.hero .eyebrow{color:var(--gold);margin-bottom:18px}
.hero h1{font-family:'Playfair Display',serif;font-weight:700;font-size:clamp(28px,4.2vw,46px);line-height:1.2;margin-bottom:16px;letter-spacing:-.02em}
.hero h1 em{font-style:italic;font-weight:500;color:var(--sky)}
.hero-or{margin:0 0 10px;font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.55)}
.hero-alt-headline{font-family:'Playfair Display',serif;font-weight:700;font-size:clamp(24px,3.6vw,38px);line-height:1.2;margin:0 0 22px;color:#fff;letter-spacing:-.02em}
.hero-alt-headline em{font-style:italic;font-weight:500;color:var(--sky)}
.hero .sub{font-size:clamp(15px,2.2vw,17px);line-height:1.65;color:rgba(255,255,255,.85);max-width:680px;margin:0 auto 20px}
.hero .sub.hero-punch{margin-top:0;margin-bottom:20px;font-weight:700;color:rgba(255,255,255,.85)}
.hero .sub.hero-sub-note{margin-top:0;margin-bottom:34px;font-size:clamp(14px,2vw,16px);color:rgba(255,255,255,.78)}
.hero-ctas{display:flex;gap:12px;flex-wrap:wrap;justify-content:center}
.hero-page{min-height:42vh;padding:70px 5% 78px}
.hero-page .eyebrow{margin-bottom:12px}
.hero-page h1{font-size:clamp(26px,3.6vw,38px);margin-bottom:14px;line-height:1.2}
.hero-page .sub{font-size:15px;line-height:1.65;max-width:520px;margin:0 auto}
.stat-bar{background:var(--sky);display:flex;flex-wrap:wrap}
.stat-item{flex:1 1 220px;padding:24px 28px;border-right:1px solid rgba(255,255,255,.2)}
.stat-item:last-child{border-right:none}
.stat-item strong{font-family:'Playfair Display',serif;font-size:clamp(22px,2.4vw,26px);font-weight:700;color:#fff;display:block;line-height:1.15;margin-bottom:8px}
.stat-item span{font-size:13px;line-height:1.55;color:rgba(255,255,255,.9);font-weight:500;display:block}
.section{padding:80px 5%}
.section-head{max-width:600px;margin:0 auto 50px;text-align:center}
.section-head h2{font-family:'Playfair Display',serif;font-size:34px;font-weight:700;color:var(--ink);margin:10px 0 14px;letter-spacing:-.01em}
.section-head p{font-size:15px;color:var(--muted);line-height:1.65}
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;max-width:1100px;margin:0 auto}
.card{background:#fff;border:1px solid var(--rule);border-radius:4px;overflow:hidden;transition:box-shadow .2s,transform .2s;display:flex;flex-direction:column}
.card:hover{box-shadow:0 12px 32px rgba(28,53,87,.12);transform:translateY(-3px)}
.card-photo{height:180px;background-color:#e6ecf3;background-size:cover;background-position:center;position:relative;overflow:hidden}
.card-photo.is-skeleton{background-color:#e6ecf3;background-image:none !important}
.card-photo.is-skeleton::before{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(90deg,rgba(230,236,243,0) 0%,rgba(255,255,255,.7) 50%,rgba(230,236,243,0) 100%);
  transform:translateX(-100%);
  animation:card-skel-shine 1.25s ease-in-out infinite;
  z-index:1;
  pointer-events:none;
}
.card-photo.is-skeleton .home-photo-dots,
.card-photo.is-skeleton .home-photo-prev,
.card-photo.is-skeleton .home-photo-next{
  opacity:0 !important;
  pointer-events:none;
}
.card-photo.is-skeleton .card-badge{z-index:3}
.card-photo.is-ready::before{display:none}
.card-photo-video{overflow:hidden;padding:0}
.card-photo-video video{
  position:absolute;
  inset:0;
  width:100%;
  height:100%;
  object-fit:cover;
  object-position:center center;
  display:block;
  pointer-events:none;
}
.card-photo-video.is-skeleton video{opacity:0}
.card-photo-video.is-ready video{opacity:1;transition:opacity .25s ease}
.lazy-bg:not(.is-loaded){background-image:none !important}
@keyframes card-skel-shine{
  100%{transform:translateX(100%)}
}
.card-skeleton{pointer-events:none}
.card-skeleton .card-body{gap:12px}
.skel-line{
  height:12px;
  border-radius:4px;
  background:#e6ecf3;
  position:relative;
  overflow:hidden;
}
.skel-line::before{
  content:"";
  position:absolute;
  inset:0;
  background:linear-gradient(90deg,rgba(230,236,243,0) 0%,rgba(255,255,255,.7) 50%,rgba(230,236,243,0) 100%);
  transform:translateX(-100%);
  animation:card-skel-shine 1.25s ease-in-out infinite;
}
.skel-line-sm{width:42%}
.skel-line-lg{width:78%;height:18px}
.skel-line-btn{width:48%;height:34px;margin-top:8px;border-radius:3px}
.home-photo-slider{overflow:hidden;touch-action:pan-y}
.home-photo-slides{position:absolute;inset:0}
.home-photo-slide{position:absolute;inset:0;background-size:cover;background-position:center;opacity:0;transition:opacity .35s ease;pointer-events:none}
.home-photo-slide.active{opacity:1;pointer-events:auto}
.home-photo-prev,.home-photo-next{position:absolute;top:50%;transform:translateY(-50%);width:30px;height:30px;border-radius:50%;border:none;background:rgba(255,255,255,.92);color:var(--navy);cursor:pointer;display:flex;align-items:center;justify-content:center;padding:0;opacity:0;transition:opacity .2s,background .15s;z-index:2;box-shadow:0 2px 8px rgba(28,53,87,.18)}
.home-photo-slider:hover .home-photo-prev,.home-photo-slider:hover .home-photo-next{opacity:1}
.home-photo-prev:hover,.home-photo-next:hover{background:#fff}
.home-photo-prev{left:8px}
.home-photo-next{right:8px}
.home-photo-prev svg,.home-photo-next svg{width:16px;height:16px}
.home-photo-dots{position:absolute;bottom:10px;left:0;right:0;display:flex;justify-content:center;gap:6px;z-index:2}
.home-photo-dot{width:7px;height:7px;border-radius:50%;background:rgba(255,255,255,.55);border:none;padding:0;cursor:pointer;transition:background .15s,transform .15s}
.home-photo-dot.active{background:var(--gold);transform:scale(1.15)}
.home-photo-slider .card-badge{z-index:3}
@media(max-width:900px){
  .home-photo-prev,.home-photo-next{opacity:.9}
}
.card-badge{position:absolute;top:14px;left:14px;background:var(--gold);color:var(--navy-deep);font-size:10px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;padding:4px 10px;border-radius:2px}
.badge-soon{background:var(--sky);color:#fff}
.badge-sold{background:#6b7280;color:#fff}
.home-card-sold{opacity:.88}
.home-card-sold .card-photo::after{
  content:"";position:absolute;inset:0;background:rgba(255,255,255,.12);pointer-events:none;
}
.btn-disabled{
  display:inline-block;text-align:center;cursor:not-allowed;opacity:.72;
  background:#9ca3af;color:#fff;
}
.card-photo-soon{background-color:#fff;background-size:contain;background-repeat:no-repeat}
.card-body{padding:24px;display:flex;flex-direction:column;gap:8px;flex:1}
.card-location{font-size:12px;color:var(--muted)}
.card h3{font-family:'Playfair Display',serif;font-size:21px;font-weight:700;color:var(--ink)}
.home-bb{font-size:13px;color:var(--body)}
.home-price{font-size:16px;font-weight:700;color:var(--navy)}
.home-price small{font-size:12px;font-weight:400;color:var(--muted)}
.home-price.soon{color:var(--sky)}
.home-notes{font-size:13px;color:var(--muted);flex:1;line-height:1.65}
.home-card-header{margin-bottom:10px}
.home-card-price-row{display:flex;align-items:baseline;justify-content:space-between;gap:12px;margin-bottom:6px}
.home-community{font-size:13px;font-weight:600;color:var(--navy);text-transform:none;letter-spacing:0}
.home-card-price-row strong{font-family:'Playfair Display',serif;font-size:24px;font-weight:700;color:var(--ink);line-height:1}
.home-spec{font-size:13px;color:var(--muted);line-height:1.5}
.home-status-label{font-size:11px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--sky);margin-bottom:6px}
.home-card-soon .card-body h3{font-family:'Playfair Display',serif;font-size:21px;font-weight:700;color:var(--ink);margin-bottom:4px}
.home-financing{font-size:12px;font-weight:600;color:var(--navy);line-height:1.5;margin:0 0 12px}
.homes-notice{grid-column:1 / -1;text-align:center;font-size:14px;font-weight:600;color:var(--sky);margin:8px 0 0;padding-top:8px}
.cta-band .cta-followup{max-width:720px;margin:28px auto 24px;font-size:15px;line-height:1.7;color:var(--body)}
.cta-row-bottom{margin-bottom:0}
.card .btn{align-self:flex-start;margin-top:6px}
.card-link{font-size:13px;font-weight:600;color:var(--sky);text-decoration:none}
.card-link:hover{color:var(--navy)}
.why-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:0;max-width:1100px;margin:0 auto;border:1px solid var(--rule);background:#fff}
.why-item{padding:38px 32px;border-right:1px solid var(--rule)}
.why-item:last-child{border-right:none}
.why-item h4{font-family:'Playfair Display',serif;font-size:19px;font-weight:700;color:var(--ink);margin-bottom:10px}
.why-item p{font-size:14px;color:var(--muted);line-height:1.7}
.why-num{font-family:'Playfair Display',serif;font-size:14px;color:var(--gold);font-weight:700;margin-bottom:10px}
.cta-band{background:var(--sky-light);border-top:2px solid var(--sky);padding:64px 5%;text-align:center}
.cta-band h2{font-family:'Playfair Display',serif;font-size:32px;color:var(--ink);margin-bottom:12px;font-weight:700}
.cta-band p{font-size:15px;color:var(--muted);margin-bottom:28px}
.cta-phone{position:relative;display:inline-block;vertical-align:top}
.cta-phone .phone-menu-btn{
  font-family:'Inter',sans-serif;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  gap:8px;
  min-width:168px;
}
.cta-phone .phone-menu-caret{
  width:14px;
  height:14px;
  flex-shrink:0;
  transition:transform .15s;
}
.cta-phone.is-open .phone-menu-caret{transform:rotate(180deg)}
.cta-phone .phone-menu-panel{
  position:absolute;
  top:calc(100% + 8px);
  left:0;
  right:auto;
  width:300px;
  background:#fff;
  border:1px solid var(--rule);
  border-radius:4px;
  box-shadow:0 12px 28px rgba(17,36,64,.18);
  padding:6px 0;
  opacity:0;
  visibility:hidden;
  pointer-events:none;
  transform:translateY(6px);
  transition:opacity .15s,visibility .15s,transform .15s;
  z-index:50;
  text-align:left;
}
.cta-phone.is-open .phone-menu-panel{
  opacity:1;
  visibility:visible;
  pointer-events:auto;
  transform:translateY(0);
}
.cta-phone .phone-menu-panel a{
  display:flex !important;
  flex-direction:column !important;
  align-items:flex-start !important;
  gap:2px;
  width:100%;
  box-sizing:border-box;
  padding:12px 16px;
  margin:0;
  text-decoration:none;
  color:var(--ink);
  background:#fff !important;
  border:none !important;
  border-radius:0 !important;
  box-shadow:none !important;
  font-weight:500;
  letter-spacing:0;
  opacity:1 !important;
}
.cta-phone .phone-menu-panel a + a{border-top:1px solid var(--rule) !important}
.cta-phone .phone-menu-panel a:hover{
  background:var(--sky-light) !important;
  color:var(--ink) !important;
  opacity:1 !important;
}
.cta-phone .phone-menu-panel a span{
  display:block;
  font-size:12px;
  color:var(--muted);
  font-weight:500;
  line-height:1.35;
}
.cta-phone .phone-menu-panel a strong{
  display:block;
  font-size:15px;
  font-weight:700;
  color:var(--navy);
  line-height:1.35;
}
.cta-row{
  display:flex;
  gap:12px;
  justify-content:center;
  align-items:flex-start;
  flex-wrap:wrap;
  position:relative;
}
.cta-row > .btn{
  min-width:220px;
  text-align:center;
}
@media(max-width:640px){
  .cta-phone{width:100%;max-width:280px}
  .cta-phone .phone-menu-btn,
  .cta-row > .btn{width:100%;min-width:0}
  .cta-phone .phone-menu-panel{width:100%;left:0;right:0}
}
footer{background:var(--navy-deep);padding:56px 5% 28px;color:rgba(255,255,255,.65)}
.foot-top{
  display:grid;
  grid-template-columns:minmax(220px,1.5fr) repeat(3,minmax(140px,1fr));
  gap:40px 48px;
  align-items:start;
  justify-content:space-between;
  width:100%;
  padding-bottom:36px;
  border-bottom:1px solid rgba(255,255,255,.1);
  margin:0 0 22px;
  max-width:none;
}
.foot-brand{max-width:320px;min-width:0}
.foot-tagline{font-size:13px;color:rgba(255,255,255,.45);margin-top:10px;line-height:1.6}
.foot-col{min-width:0}
.foot-col h5{font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.35);margin-bottom:14px}
.foot-col a,.foot-col span{display:block;font-size:14px;color:rgba(255,255,255,.65);text-decoration:none;margin-bottom:9px;word-break:break-word}
.foot-col a:hover{color:#fff}
.eho{display:flex;align-items:flex-start;gap:10px;font-size:11px;color:rgba(255,255,255,.45);max-width:100%;width:100%;line-height:1.5;margin:0 0 18px;text-align:left}
.eho svg{flex-shrink:0;margin-top:2px}
.foot-bottom{
  display:flex;
  justify-content:space-between;
  gap:12px 24px;
  flex-wrap:wrap;
  font-size:12px;color:rgba(255,255,255,.35);
  max-width:none;
  width:100%;
  margin:0;
  align-items:center;
}
@media(max-width:900px){
  .foot-top{grid-template-columns:1fr 1fr;gap:32px 40px}
  .foot-brand{grid-column:1 / -1;max-width:480px}
}
@media(max-width:640px){
  footer{padding:44px 5% 24px}
  .foot-top{grid-template-columns:1fr;gap:28px;padding-bottom:28px}
  .foot-brand{max-width:100%}
  .foot-bottom{flex-direction:column;align-items:flex-start;gap:8px}
}
/* park page */
.park-hero{padding:90px 5% 100px;min-height:52vh}
.park-meta{font-size:14px;color:rgba(255,255,255,.85)}
.park-meta a{color:var(--gold);text-decoration:none;font-weight:700}
.two-col{display:grid;grid-template-columns:1.1fr 1fr;gap:48px;max-width:1100px;margin:0 auto;align-items:start}
.two-col .prose p{margin-bottom:16px;font-size:15px;line-height:1.75}
.map-embed{width:100%;height:340px;border:0;border-radius:4px}
/* forms */
.form-wrap{background:#fff;border:1px solid var(--rule);border-radius:4px;padding:34px;max-width:560px;margin:0 auto}
.form-wrap h3{font-family:'Playfair Display',serif;font-size:24px;color:var(--ink);margin-bottom:6px}
.form-wrap .form-sub{font-size:14px;color:var(--muted);margin-bottom:22px}
.field{margin-bottom:16px}
.field label{display:block;font-size:13px;font-weight:600;color:var(--ink);margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:12px 14px;border:1px solid var(--rule);border-radius:3px;font-family:'Inter',sans-serif;font-size:14px;color:var(--body);background:var(--off-white)}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--sky);border-color:var(--sky)}
.field input.is-invalid,.field select.is-invalid,.field textarea.is-invalid{border-color:#c62828;background:#fff5f5;outline:none}
.field input.is-invalid:focus,.field select.is-invalid:focus,.field textarea.is-invalid:focus{outline:2px solid rgba(198,40,40,.35);border-color:#c62828}
.field-error{min-height:0;margin-top:6px;font-size:12px;line-height:1.4;color:#c62828;font-weight:500}
.field-error:empty{display:none}
.form-note{font-size:12px;color:var(--muted);margin-top:12px}
/* lenders */
.lender-row{
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  justify-content:center;
  gap:20px 28px;
  margin:18px 0 22px;
  padding:18px 16px;
  background:var(--navy-deep);
  border-radius:4px;
}
.lender-card{
  background:transparent;
  border:none;
  padding:0;
  min-height:0;
  display:flex;
  align-items:center;
  justify-content:center;
}
.lender-card img{
  width:auto;
  max-width:150px;
  height:42px;
  max-height:42px;
  object-fit:contain;
  object-position:center;
  display:block;
  filter:none;
}
@media(max-width:700px){
  .lender-row{gap:16px;padding:16px 12px}
  .lender-card img{max-width:130px;height:36px;max-height:36px}
}
/* community videos */
.video-section{background:var(--off-white);border-top:1px solid var(--rule)}
.video-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:28px;max-width:1100px;margin:0 auto}
.video-card{background:#fff;border:1px solid var(--rule);border-radius:4px;overflow:hidden;display:flex;flex-direction:column}
.video-frame{position:relative;background:var(--navy-deep);aspect-ratio:16/9}
.video-frame video{width:100%;height:100%;display:block;object-fit:cover;vertical-align:middle}
.video-body{padding:22px 22px 24px}
.video-body .eyebrow{margin-bottom:8px}
.video-body h3{font-family:'Playfair Display',serif;font-size:22px;font-weight:700;color:var(--ink);margin-bottom:8px}
.video-body p{font-size:14px;color:var(--muted);line-height:1.65}
@media(max-width:800px){
  .video-grid{grid-template-columns:1fr;gap:20px;max-width:560px}
}
.fine{font-size:12px;color:var(--muted);max-width:640px;margin:0 auto;text-align:center;line-height:1.6}
/* testimonials */
.testimonials{background:#fff;border-top:1px solid var(--rule)}
.testimonials-wrap{max-width:1100px;margin:0 auto;position:relative}
.t-slider{overflow:hidden;touch-action:pan-y;cursor:grab;user-select:none;-webkit-user-select:none}
.t-slider.is-dragging{cursor:grabbing}
.t-track{display:flex;gap:24px;transition:transform .4s ease;will-change:transform;align-items:stretch}
.t-track.is-dragging{transition:none}
.t-card{flex:0 0 calc((100% - 48px) / 3);width:calc((100% - 48px) / 3);max-width:calc((100% - 48px) / 3);min-height:280px;height:280px;background:var(--off-white);border:1px solid var(--rule);border-radius:4px;padding:24px;display:flex;flex-direction:column;gap:10px;text-align:left;box-sizing:border-box;transition:box-shadow .2s;overflow:hidden}
.t-card:hover{box-shadow:0 8px 24px rgba(28,53,87,.1)}
.t-reviewer{font-size:12px;font-weight:700;color:var(--sky);letter-spacing:.08em;text-transform:uppercase;flex-shrink:0}
.t-property{font-family:'Playfair Display',serif;font-size:20px;font-weight:700;color:var(--ink);text-align:left;line-height:1.3;margin:0;flex-shrink:0}
.t-property a{color:inherit;text-decoration:none}
.t-property a:hover{color:var(--sky)}
.t-quote-wrap{flex:1 1 auto;min-height:0;display:flex;flex-direction:column}
.t-quote{font-size:14px;line-height:1.65;color:var(--body);margin:0}
.t-quote.is-collapsed{-webkit-line-clamp:3;line-clamp:3;display:-webkit-box;-webkit-box-orient:vertical;overflow:hidden}
.t-card.is-expanded{height:auto;min-height:280px;overflow:visible}
.t-more{display:inline-block;margin-top:8px;padding:0;border:none;background:none;font-family:'Inter',sans-serif;font-size:13px;font-weight:600;color:var(--sky);cursor:pointer;align-self:flex-start;flex-shrink:0}
.t-more:hover{color:var(--navy);text-decoration:underline}
.t-stars{display:flex;gap:3px;align-items:center;margin-top:auto;padding-top:12px;border-top:1px solid var(--rule);flex-shrink:0}
.t-stars svg{width:15px;height:15px;flex-shrink:0}
.t-stars .star-full{fill:var(--gold)}
.t-stars .star-empty{fill:none;stroke:var(--gold);stroke-width:1.5}
.t-nav{display:flex;justify-content:center;align-items:center;gap:12px;margin-top:28px}
.t-btn{width:42px;height:42px;border-radius:50%;border:1.5px solid var(--navy);background:#fff;color:var(--navy);cursor:pointer;display:inline-flex;align-items:center;justify-content:center;transition:background .15s,color .15s,opacity .15s;flex-shrink:0}
.t-btn:hover{background:var(--navy);color:#fff}
.t-btn:disabled{opacity:.35;cursor:default;pointer-events:none}
.t-btn svg{width:18px;height:18px}
.t-dots{display:flex;justify-content:center;gap:8px;margin-top:14px;flex-wrap:wrap}
.t-dot{width:8px;height:8px;border-radius:50%;background:var(--rule);border:none;padding:0;cursor:pointer;transition:background .15s,transform .15s}
.t-dot.active{background:var(--gold);transform:scale(1.2)}
.t-hint{display:none;text-align:center;font-size:12px;color:var(--muted);margin-top:10px}
.t-slider.t-static{overflow:visible;cursor:default}
.t-track.t-static-track{flex-wrap:wrap;justify-content:center;transform:none !important;transition:none}
.t-track.t-static-track .t-card{flex:0 1 340px;width:340px;max-width:100%}
/* FAQ */
.faq-section{background:var(--navy-deep);color:#fff;border-top:none}
.faq-head{margin-bottom:40px}
.faq-head h2{font-family:'Playfair Display',serif;font-size:clamp(28px,4vw,40px);font-weight:700;color:#fff;margin:0;letter-spacing:-.01em}
.faq-list{max-width:860px;margin:0 auto}
.faq-item{border-bottom:1px solid rgba(255,255,255,.12)}
.faq-item:first-child{border-top:1px solid rgba(255,255,255,.12)}
.faq-q{
  width:100%;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding:22px 4px;
  background:none;
  border:none;
  color:#fff;
  font-family:'Inter',sans-serif;
  font-size:clamp(15px,2vw,18px);
  font-weight:500;
  text-align:left;
  cursor:pointer;
  line-height:1.45;
}
.faq-q:hover{color:rgba(255,255,255,.88)}
.faq-icon{
  flex-shrink:0;
  width:28px;
  height:28px;
  border:1.5px solid rgba(255,255,255,.85);
  border-radius:50%;
  position:relative;
}
.faq-icon::before,.faq-icon::after{
  content:"";
  position:absolute;
  top:50%;
  left:50%;
  background:#fff;
  transition:transform .2s,opacity .2s;
}
.faq-icon::before{width:12px;height:1.5px;transform:translate(-50%,-50%)}
.faq-icon::after{width:1.5px;height:12px;transform:translate(-50%,-50%)}
.faq-item.is-open .faq-icon::after{opacity:0;transform:translate(-50%,-50%) rotate(90deg)}
.faq-a{
  display:grid;
  grid-template-rows:0fr;
  transition:grid-template-rows .28s ease;
}
.faq-item.is-open .faq-a{grid-template-rows:1fr}
.faq-a > p{
  overflow:hidden;
  margin:0;
  padding:0 4px;
  font-size:15px;
  line-height:1.7;
  color:rgba(255,255,255,.72);
  min-height:0;
}
.faq-item.is-open .faq-a > p{padding-bottom:22px}
/* thank you */
.ty{min-height:55vh;display:flex;align-items:center;justify-content:center;text-align:center;padding:80px 5%}
.ty-has-calendly{align-items:flex-start;padding-top:56px;padding-bottom:64px}
.ty-inner{max-width:460px;width:100%}
.ty-has-calendly .ty-inner{max-width:900px}
.ty h1{font-family:'Playfair Display',serif;font-size:40px;color:var(--ink);margin-bottom:14px}
.ty p,.ty-lead{font-size:16px;color:var(--muted);max-width:560px;margin:0 auto 26px;line-height:1.7}
.ty-calendly-wrap{margin:36px auto 0;text-align:left;background:#fff;border:1px solid #dbe3ec;border-radius:12px;padding:20px 16px 8px;box-shadow:0 2px 12px rgba(0,0,0,.06)}
.ty-calendly-heading{font-family:'Playfair Display',serif;font-size:24px;color:var(--ink);margin:0 0 16px;text-align:center}
.ty-fallback{margin-top:18px;font-size:14px;color:var(--muted)}
.ty-fallback a{color:var(--sky);font-weight:600;text-decoration:none}
.ty-fallback a:hover{text-decoration:underline}
.ty-back{margin-top:30px}
@media(max-width:640px){
  .ty h1{font-size:30px}
  .ty-calendly-wrap{padding:14px 10px 4px}
  .ty-calendly-wrap .calendly-inline-widget{height:620px !important}
}
@media(max-width:900px){
  .nav-toggle{display:flex;grid-column:3;justify-self:end;margin-left:0}
  header{
    display:flex;
    justify-content:space-between;
    padding:0 16px;
    gap:10px;
  }
  .logo{grid-column:auto;justify-self:auto}
  .logo-text{display:none}
  .logo img{height:30px}
  .header-panel{
    display:flex;
    position:fixed;
    top:64px;
    left:0;
    right:0;
    margin:0;
    padding:12px 16px 24px;
    background:var(--navy);
    border-bottom:1px solid rgba(255,255,255,.1);
    flex-direction:column;
    align-items:stretch;
    gap:8px;
    max-height:calc(100vh - 64px);
    overflow-y:auto;
    opacity:0;
    visibility:hidden;
    pointer-events:none;
    transform:translateY(-8px);
    transition:opacity .2s,visibility .2s,transform .2s;
    z-index:99;
    box-shadow:0 16px 28px rgba(0,0,0,.25);
  }
  header.is-menu-open .header-panel{
    opacity:1;
    visibility:visible;
    pointer-events:auto;
    transform:translateY(0);
  }
  nav{
    display:flex;
    flex-direction:column;
    align-items:stretch;
    gap:0;
    width:100%;
    justify-self:auto;
    grid-column:auto;
  }
  nav > a,
  .nav-drop-toggle{
    display:flex;
    width:100%;
    padding:14px 4px;
    border-bottom:1px solid rgba(255,255,255,.1);
    color:#fff;
    font-size:16px;
    line-height:1.3;
  }
  .nav-drop{height:auto;display:block;width:100%}
  .nav-drop-toggle{justify-content:space-between}
  .nav-drop-toggle::after{border-left-width:4px;border-right-width:4px;border-top-width:4px;border-top-color:rgba(255,255,255,.75)}
  .nav-drop-menu{
    position:static;
    left:auto;
    transform:none !important;
    min-width:0;
    width:100%;
    background:rgba(0,0,0,.18);
    border:none;
    border-radius:0;
    box-shadow:none;
    padding:0;
    opacity:0;
    visibility:hidden;
    max-height:0;
    overflow:hidden;
    pointer-events:none;
    transition:max-height .25s ease,opacity .2s,padding .2s;
  }
  .nav-drop:hover .nav-drop-menu{
    opacity:0;
    visibility:hidden;
    pointer-events:none;
    max-height:0;
    padding:0;
  }
  .nav-drop.is-open .nav-drop-menu{
    opacity:1;
    visibility:visible;
    pointer-events:auto;
    max-height:220px;
    padding:4px 0 10px;
  }
  .nav-drop-menu a{
    color:rgba(255,255,255,.85);
    padding:10px 14px;
    border:none;
  }
  .nav-drop-menu a:hover{background:rgba(255,255,255,.08);color:#fff}
  .header-actions{
    width:100%;
    display:grid;
    grid-template-columns:auto 1fr;
    align-items:start;
    gap:12px;
    padding-top:14px;
    margin-top:6px;
    border-top:1px solid rgba(255,255,255,.1);
  }
  .nav-phone{
    display:contents;
    margin-left:0;
  }
  .nav-phone-btn{
    grid-column:1;
    grid-row:1;
    width:40px;
    height:40px;
    flex-shrink:0;
  }
  .header-actions > .btn-sm{
    grid-column:2;
    grid-row:1;
    justify-self:start;
    padding:10px 16px;
    font-size:13px;
    white-space:nowrap;
  }
  .nav-phone-menu{
    position:static !important;
    grid-column:1 / -1;
    grid-row:2;
    width:100%;
    min-width:0 !important;
    left:auto !important;
    right:auto !important;
    top:auto !important;
    margin-top:10px;
    border-radius:4px;
    box-shadow:0 8px 20px rgba(0,0,0,.18);
    max-height:none;
    opacity:1;
    visibility:visible;
    overflow:visible;
    transform:none;
    pointer-events:auto;
    padding-top:12px;
    padding-bottom:8px;
  }
  .nav-phone-menu::before{display:none}
  .hero{min-height:58vh;padding:80px 5% 90px}
  .hero-page{min-height:36vh;padding:56px 5% 64px}
  .two-col{grid-template-columns:1fr}
  .why-item{border-right:none;border-bottom:1px solid var(--rule)}
  .section{padding:56px 5%}
  .t-card{flex-basis:calc((100% - 24px) / 2);width:calc((100% - 24px) / 2);max-width:calc((100% - 24px) / 2)}
}
@media(max-width:640px){
  header{height:60px;padding:0 12px;gap:8px}
  .logo img{height:30px}
  .header-panel{top:60px;max-height:calc(100vh - 60px)}
  .nav-phone-btn{width:34px;height:34px}
  .nav-phone-btn svg{width:15px;height:15px}
  .hero{min-height:520px;padding:72px 5% 80px}
  .hero-page{min-height:0;padding:48px 5% 56px}
  .hero-page h1{font-size:clamp(24px,7vw,30px)}
  .hero-ctas{flex-direction:column;align-items:center}
  .hero-ctas .btn{width:100%;max-width:280px;text-align:center}
  .t-track{gap:16px}
  .t-card{flex-basis:100%;width:100%;max-width:100%;padding:20px 18px;height:260px;min-height:260px}
  .t-card.is-expanded{min-height:260px}
  .t-property{font-size:18px}
  .t-hint{display:block}
}