:root{
  --navy:#0B1F3A;
  --navy-light:#132a4d;
  --gold:#C9A227;
  --gold-dark:#8A6A1E;
  --offwhite:#F7F5F0;
  --gray:#4a4a4a;
  --border:#e5ded0;
}
*{box-sizing:border-box;}
body{
  margin:0;
  font-family: Georgia, 'Times New Roman', serif;
  color:var(--gray);
  background:#ffffff;
  line-height:1.6;
}
a{color:var(--navy);}
.site-header{
  background:var(--navy);
  padding:0;
  border-bottom:3px solid var(--gold);
}
.header-inner{
  max-width:1180px;
  margin:0 auto;
  padding:18px 24px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  flex-wrap:wrap;
  gap:10px;
}
.brand{
  color:var(--offwhite);
  text-decoration:none;
  font-weight:bold;
  font-size:1.05em;
  letter-spacing:0.5px;
  display:flex;
  align-items:center;
}
.brand span{
  display:block;
  color:var(--gold);
  font-size:0.62em;
  font-weight:normal;
  letter-spacing:1.5px;
  margin-top:2px;
}
.brand-logo{
  height:52px;
  display:block;
  border-radius:4px;
}
.site-nav a{
  color:#dfe3ea;
  text-decoration:none;
  margin-left:22px;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.92em;
  font-weight:bold;
}
.site-nav a:first-child{margin-left:0;}
.site-nav a:hover{color:var(--gold);}
.masthead{
  max-width:1180px;
  margin:0 auto;
  padding:38px 24px 30px;
  border-bottom:1px solid var(--border);
}
.masthead h1{
  font-size:2em;
  color:var(--navy);
  margin:0 0 12px;
}
.masthead p.tagline{
  font-family: Arial, Helvetica, sans-serif;
  color:#5a5a5a;
  font-size:1.02em;
  max-width:640px;
  margin:0;
}
.masthead h1{animation:hero-fade-up 0.8s ease both;}
.masthead p.tagline{animation:hero-fade-up 0.8s ease 0.12s both;}
@media (prefers-reduced-motion: reduce){
  .masthead h1, .masthead p.tagline{animation:none;opacity:1;}
}
.container{max-width:1180px;margin:0 auto;padding:34px 24px;}

/* Two-column layout */
.page-grid{
  display:grid;
  grid-template-columns: minmax(0,1fr) 300px;
  gap:44px;
  align-items:start;
}
@media (max-width: 760px){
  .page-grid{grid-template-columns: 1fr;}
}
.sidebar{
  display:flex;
  flex-direction:column;
  gap:22px;
}
.widget{
  border:1px solid var(--border);
  border-radius:6px;
  padding:20px;
  background:var(--offwhite);
  transition:transform 0.25s ease, box-shadow 0.25s ease;
}
.widget:hover{
  transform:translateY(-3px);
  box-shadow:0 10px 22px rgba(11,31,58,0.1);
}
.widget h3{
  margin:0 0 12px;
  color:var(--navy);
  font-size:1.02em;
  font-family:Georgia,serif;
  border-bottom:2px solid var(--gold);
  padding-bottom:8px;
}
.widget.widget-navy{
  background:var(--navy);
  border-color:var(--navy);
}
.widget.widget-navy h3{
  color:var(--gold);
  border-bottom-color:var(--gold-dark);
}
.search-box{
  display:flex;
  border:1px solid #cfcfcf;
  border-radius:4px;
  overflow:hidden;
  font-family: Arial, Helvetica, sans-serif;
}
.search-box input{
  flex:1;
  border:none;
  padding:9px 10px;
  font-size:0.92em;
}
.search-box button{
  border:none;
  background:var(--navy);
  color:var(--gold);
  padding:0 14px;
  cursor:pointer;
  font-weight:bold;
}
.toc-list{
  list-style:none;
  margin:0;
  padding:0;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.9em;
}
.toc-list li{padding:6px 0;border-bottom:1px solid var(--border);}
.toc-list li:last-child{border-bottom:none;}
.toc-list a{
  color:var(--navy);
  text-decoration:none;
}
.toc-list a:hover{color:var(--gold-dark);}
.toc-list .n{color:var(--gold-dark);font-weight:bold;margin-right:6px;}
.widget-navy .toc-list a{color:#dfe3ea;}
.widget-navy .toc-list li{border-bottom-color:#28406a;}
.tag-cloud{
  display:flex;
  flex-wrap:wrap;
  gap:8px;
}
.tag-cloud a{
  display:inline-block;
  background:#fff;
  border:1px solid var(--border);
  color:var(--navy);
  text-decoration:none;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.8em;
  padding:5px 10px;
  border-radius:14px;
}
.tag-cloud a:hover{
  background:var(--gold);
  border-color:var(--gold);
  color:#fff;
}
.widget-bio{
  display:flex;
  gap:12px;
  align-items:flex-start;
}
.widget-bio .thumb{
  width:56px;height:56px;flex:none;
  background:var(--navy);
  border-radius:50%;
  color:var(--gold);
  display:flex;align-items:center;justify-content:center;
  font-family:Georgia,serif;font-weight:bold;font-size:0.85em;
}
.widget-bio p{
  margin:0;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.88em;
  color:#555;
}
.widget-bio a{
  display:inline-block;
  margin-top:6px;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.85em;
  font-weight:bold;
  color:var(--gold-dark);
  text-decoration:none;
}
.inline-link{color:var(--gold-dark);font-weight:bold;text-decoration:underline;}

/* Hub pages */
.hub-hero{
  background:linear-gradient(180deg, var(--navy) 0%, var(--navy-light) 100%);
  color:var(--offwhite);
  padding:0;
  position:relative;
  overflow:hidden;
}
.hub-hero::before{
  content:"";
  position:absolute;
  top:-50%;
  left:-20%;
  width:60%;
  height:200%;
  background:linear-gradient(100deg, transparent 40%, rgba(201,162,39,0.10) 50%, transparent 60%);
  animation:hero-shimmer 7s ease-in-out infinite;
  pointer-events:none;
}
@keyframes hero-shimmer{
  0%{transform:translateX(-40%);}
  50%{transform:translateX(220%);}
  100%{transform:translateX(220%);}
}
.hub-hero-inner{
  max-width:1180px;
  margin:0 auto;
  padding:44px 24px 38px;
  position:relative;
  z-index:1;
}
.hub-hero h1,
.hub-hero p.tagline,
.hub-hero .hero-icon-strip,
.hub-hero .hub-cta-row,
.hub-hero .hero-logo{
  animation:hero-fade-up 0.8s ease both;
}
.hub-hero .hero-logo{animation-delay:0s;}
.hub-hero h1{animation-delay:0.08s;}
.hub-hero p.tagline{animation-delay:0.16s;}
.hub-hero .hero-icon-strip{animation-delay:0.26s;}
.hub-hero .hub-cta-row{animation-delay:0.36s;}
@keyframes hero-fade-up{
  from{opacity:0; transform:translateY(16px);}
  to{opacity:1; transform:translateY(0);}
}
@media (prefers-reduced-motion: reduce){
  .hub-hero::before{animation:none;display:none;}
  .hub-hero h1, .hub-hero p.tagline, .hub-hero .hero-icon-strip, .hub-hero .hub-cta-row, .hub-hero .hero-logo{animation:none;opacity:1;}
}
.hero-logo{
  height:64px;
  margin-bottom:16px;
  border-radius:6px;
  display:block;
}
.hub-hero h1{font-size:2em;margin:0 0 12px;}
.hub-hero p.tagline{
  font-family: Arial, Helvetica, sans-serif;
  color:#dfe3ea;
  max-width:680px;
  font-size:1.02em;
  margin:0 0 20px;
}
.hub-cta-row{display:flex;gap:14px;flex-wrap:wrap;}
.hub-cta-row a{
  display:inline-block;
  font-family: Arial, Helvetica, sans-serif;
  font-weight:bold;
  font-size:0.92em;
  text-decoration:none;
  padding:11px 18px;
  border-radius:4px;
  transition:background 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}
.hub-cta-row a.primary{background:var(--gold-dark);color:#fff;}
.hub-cta-row a.primary:hover{background:var(--gold);transform:translateY(-3px);box-shadow:0 8px 18px rgba(0,0,0,0.25);}
.hub-cta-row a.secondary{background:transparent;border:1px solid var(--gold);color:var(--gold);}
.hub-cta-row a.secondary:hover{background:var(--gold);color:var(--navy);transform:translateY(-3px);box-shadow:0 8px 18px rgba(0,0,0,0.2);}

.question-list{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.98em;
  color:#444;
  margin:18px 0;
  padding-left:20px;
}
.question-list li{margin-bottom:6px;}

.situation-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(240px,1fr));
  gap:18px;
  margin:20px 0 30px;
}
.situation-card{
  border:1px solid var(--border);
  border-left:4px solid var(--gold);
  border-radius:6px;
  padding:18px 20px;
  background:#fff;
}
.situation-card h4{
  margin:0 0 6px;
  color:var(--navy);
  font-size:1.02em;
  font-family:Georgia,serif;
}
.situation-card p{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.9em;
  color:#555;
  margin:0 0 10px;
}
.situation-card a{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.88em;
  font-weight:bold;
  color:var(--gold-dark);
  text-decoration:none;
  display:block;
  margin-top:4px;
}

.framework-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(240px,1fr));
  gap:18px;
  margin:18px 0 30px;
}
.framework-card{
  background:var(--offwhite);
  border:1px solid var(--border);
  border-radius:6px;
  padding:20px;
}
.framework-card .icon{font-size:1.4em;}
.framework-card h4{
  color:var(--navy);
  margin:8px 0 6px;
  font-size:1.02em;
}
.framework-card p{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.9em;
  color:#555;
  margin:0 0 10px;
}
.framework-card a{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.88em;
  font-weight:bold;
  color:var(--gold-dark);
  text-decoration:none;
}

.topic-cluster{margin:26px 0;}
.topic-cluster h3{color:var(--navy);font-size:1.15em;margin-bottom:6px;}
.topic-cluster p.cluster-intro{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.92em;
  color:#666;
  margin:0 0 8px;
}
.topic-cluster ul{
  margin:0;
  padding-left:20px;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.95em;
}
.topic-cluster li{margin-bottom:6px;}

/* FAQ accordion using native details/summary */
.faq-item{
  border-bottom:1px solid var(--border);
  transition:background 0.2s ease;
}
.faq-item:hover{background:var(--offwhite);}
.faq-item summary{
  cursor:pointer;
  padding:14px 4px;
  font-weight:bold;
  color:var(--navy);
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.98em;
  list-style:none;
  position:relative;
  padding-right:26px;
  transition:color 0.2s ease;
}
.faq-item summary:hover{color:var(--gold-dark);}
.faq-item summary::-webkit-details-marker{display:none;}
.faq-item summary::after{
  content:"+";
  position:absolute;
  right:4px;
  top:12px;
  color:var(--gold-dark);
  font-weight:bold;
  font-size:1.2em;
  display:inline-block;
  transition:transform 0.3s ease;
}
.faq-item[open] summary::after{content:"\2212";transform:rotate(180deg);}
.faq-item .faq-answer{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.94em;
  color:#555;
  padding:0 4px 16px;
  animation:hero-fade-up 0.35s ease both;
}
.faq-answer a{color:var(--gold-dark);font-weight:bold;text-decoration:none;}

/* Testimonials */
.testimonial-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(260px,1fr));
  gap:18px;
  margin:18px 0 30px;
}
.testimonial-card{
  background:#fff;
  border:1px solid var(--border);
  border-radius:6px;
  padding:20px;
  font-family: Arial, Helvetica, sans-serif;
}
.testimonial-card .stars{color:var(--gold);letter-spacing:2px;margin-bottom:8px;}
.testimonial-card p.quote{
  font-size:0.92em;
  color:#444;
  font-style:italic;
  margin:0 0 10px;
}
.testimonial-card .attribution{
  font-size:0.85em;
  color:var(--navy);
  font-weight:bold;
}
.testimonial-card .source{
  font-size:0.78em;
  color:#999;
}

/* Comparison table */
.compare-table{
  width:100%;
  border-collapse:collapse;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.88em;
  margin:20px 0;
}
.compare-table th{
  background:var(--navy);
  color:var(--gold);
  text-align:left;
  padding:10px 12px;
}
.compare-table td{
  padding:10px 12px;
  border-bottom:1px solid var(--border);
  vertical-align:top;
}
.compare-table tr:nth-child(even) td{background:var(--offwhite);}

/* Quiz tool */
.quiz-box{
  background:var(--offwhite);
  border:1px solid var(--border);
  border-radius:8px;
  padding:26px;
  margin:24px 0;
}
.quiz-box h3{color:var(--navy);margin-top:0;}
.quiz-row{margin-bottom:14px;font-family: Arial, Helvetica, sans-serif;}
.quiz-row label{
  display:block;
  font-weight:bold;
  font-size:0.88em;
  color:var(--navy);
  margin-bottom:4px;
}
.quiz-row select{
  width:100%;
  padding:9px 10px;
  border:1px solid #cfcfcf;
  border-radius:4px;
  font-size:0.95em;
  background:#fff;
}
.quiz-result{
  margin-top:16px;
  padding:16px;
  background:#fff;
  border:1px solid var(--gold);
  border-radius:6px;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.92em;
  color:#333;
  display:none;
}
.quiz-result.show{display:block;}
.quiz-result strong{color:var(--navy);}

.section-tag{
  display:inline-block;
  background:#EFE8D8;
  color:var(--gold-dark);
  font-family: Arial, Helvetica, sans-serif;
  font-weight:bold;
  font-size:0.72em;
  letter-spacing:1px;
  padding:4px 10px;
  border-radius:3px;
  margin-bottom:6px;
}
.value-cta{
  display:inline-block;
  background:var(--gold-dark);
  color:#fff !important;
  font-family: Arial, Helvetica, sans-serif;
  font-weight:bold;
  text-decoration:none;
  padding:12px 20px;
  border-radius:4px;
  font-size:0.92em;
}
.value-cta:hover{background:var(--gold);}
.crosslink-list{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.95em;
  margin:16px 0;
  padding-left:20px;
}
.crosslink-list li{margin-bottom:8px;}
.disclaimer-note{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.78em;
  color:#999;
  font-style:italic;
  margin-top:6px;
}
.takeaway-box{
  background:var(--offwhite);
  border-left:4px solid var(--gold);
  border-radius:4px;
  padding:16px 20px;
  margin:18px 0;
  font-family: Arial, Helvetica, sans-serif;
}
.takeaway-box h4{
  margin:0 0 8px;
  color:var(--navy);
  font-size:0.95em;
}
.takeaway-box ul{margin:0;padding-left:20px;font-size:0.92em;color:#444;}
.takeaway-box li{margin-bottom:5px;}
.stat-strip{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(150px,1fr));
  gap:14px;
  margin:20px 0;
}
.stat-box{
  background:var(--navy);
  color:var(--offwhite);
  border-radius:6px;
  padding:16px;
  text-align:center;
}
.stat-box .num{
  font-family:Georgia,serif;
  font-size:1.5em;
  font-weight:bold;
  color:var(--gold);
  display:block;
}
.stat-box .label{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.78em;
  color:#dfe3ea;
  margin-top:4px;
}
.example-box{
  background:#fff;
  border:1px dashed var(--gold);
  border-radius:6px;
  padding:16px 18px;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.92em;
  color:#444;
  margin:16px 0;
}
.example-box strong{color:var(--navy);}

.byline{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.85em;
  color:#888;
  margin-bottom:22px;
}
.byline a{color:var(--gold-dark);text-decoration:none;font-weight:bold;}
article h2{
  color:var(--navy);
  font-size:1.5em;
  margin-top:34px;
  margin-bottom:10px;
}
article p{font-size:1.05em;}
.hook{
  font-style:italic;
  color:var(--gold-dark);
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.95em;
  margin:0 0 10px;
}
.source-note{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.82em;
  color:#8a8a8a;
  font-style:italic;
  margin-top:4px;
}
.num-badge{
  color:var(--gold);
  font-weight:bold;
  font-size:1.3em;
  margin-right:8px;
  font-family:Georgia,serif;
  display:inline-block;
  transition:transform 0.25s ease, color 0.25s ease;
}
h2:hover > .num-badge{
  transform:scale(1.15) rotate(-4deg);
  color:var(--gold-dark);
}
hr.rule{
  border:none;
  border-top:1px solid var(--border);
  margin:26px 0;
}
.cards{
  display:flex;
  gap:20px;
  flex-wrap:wrap;
  margin-top:20px;
}
.card{
  flex:1 1 260px;
  border:1px solid var(--border);
  border-radius:6px;
  padding:22px;
  background:var(--offwhite);
}
.card h3{color:var(--navy);margin-top:0;font-size:1.15em;}
.card p{font-family: Arial, Helvetica, sans-serif;font-size:0.95em;color:#555;}
.card a.card-link{
  display:inline-block;
  margin-top:8px;
  color:var(--gold-dark);
  font-family: Arial, Helvetica, sans-serif;
  font-weight:bold;
  text-decoration:none;
  font-size:0.92em;
}
.checklist-group h3{
  color:var(--navy);
  font-size:1.1em;
  margin:24px 0 8px;
}
.checklist-group ul{
  list-style:none;
  padding:0;
  font-family: Arial, Helvetica, sans-serif;
}
.checklist-group li{
  padding:6px 0 6px 28px;
  position:relative;
  font-size:0.98em;
}
.checklist-group li::before{
  content:"\2610";
  position:absolute;
  left:0;
  color:var(--gold-dark);
}
.bonus-tag{
  display:inline-block;
  background:#EFE8D8;
  color:var(--gold-dark);
  font-family: Arial, Helvetica, sans-serif;
  font-weight:bold;
  font-size:0.75em;
  letter-spacing:1px;
  padding:4px 10px;
  border-radius:3px;
  margin-bottom:8px;
}
.cta-block{
  background:var(--navy);
  color:var(--offwhite);
  text-align:center;
  padding:44px 24px;
  margin-top:40px;
  border-radius:6px;
}
.cta-block h2{color:var(--gold);margin-top:0;}
.cta-block p{
  font-family: Arial, Helvetica, sans-serif;
  max-width:520px;
  margin:0 auto 20px;
  color:#dfe3ea;
}
form.lead-form{
  max-width:380px;
  margin:0 auto;
  text-align:left;
  font-family: Arial, Helvetica, sans-serif;
}
form.lead-form label{
  display:block;
  font-size:0.82em;
  color:var(--gold);
  font-weight:bold;
  margin:12px 0 4px;
}
form.lead-form input, form.lead-form select{
  width:100%;
  padding:10px 11px;
  border:1px solid #33456b;
  border-radius:4px;
  font-size:1em;
  background:#152a4e;
  color:#fff;
}
form.lead-form input::placeholder{color:#9fb0c9;}
.btn{
  display:block;
  width:100%;
  margin-top:20px;
  background:var(--gold-dark);
  color:#fff;
  border:none;
  padding:14px;
  font-size:1em;
  font-weight:bold;
  border-radius:4px;
  cursor:pointer;
  font-family: Arial, Helvetica, sans-serif;
}
.btn:hover{background:var(--gold);}
.contact-line{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.9em;
  margin-top:18px;
  color:#dfe3ea;
}
.contact-line a{color:var(--gold);text-decoration:none;font-weight:bold;}
footer.site-footer{
  border-top:3px solid var(--gold);
  background:var(--navy);
  color:#9fb0c9;
  text-align:center;
  padding:22px 24px;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.82em;
  margin-top:50px;
}
footer.site-footer a{color:var(--gold);text-decoration:none;}
.bio-photo{
  width:100%;
  max-width:240px;
  border-radius:8px;
  box-shadow:0 6px 20px rgba(11,31,58,0.2);
  margin-bottom:24px;
  display:block;
}
.bio-photo-placeholder{
  background:var(--navy);
  color:#dfe3ea;
  font-family: Arial, Helvetica, sans-serif;
  font-style:italic;
  font-size:0.85em;
  text-align:center;
  padding:60px 0;
  border-radius:6px;
  max-width:220px;
  margin-bottom:24px;
}

/* Hero icon strip — decorative, replaces photography */
.hero-icon-strip{
  display:flex;
  gap:14px;
  flex-wrap:wrap;
  margin-top:22px;
}
.hero-icon-strip .hi-item{
  display:flex;
  align-items:center;
  gap:8px;
  background:rgba(255,255,255,0.07);
  border:1px solid rgba(201,162,39,0.4);
  border-radius:30px;
  padding:8px 14px 8px 10px;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.82em;
  color:#dfe3ea;
  transition:background 0.25s ease, border-color 0.25s ease, transform 0.25s ease;
}
.hero-icon-strip .hi-item:hover{
  background:rgba(201,162,39,0.16);
  border-color:var(--gold);
  transform:translateY(-2px);
}
.hero-icon-strip .hi-item .hi-icon{
  width:28px;height:28px;flex:none;
  background:var(--gold);
  color:var(--navy);
  border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:1.1em;
}

/* Icon circle badge used on cards in place of photos */
.icon-circle{
  width:52px;height:52px;
  border-radius:50%;
  background:var(--navy);
  color:var(--gold);
  display:flex;align-items:center;justify-content:center;
  font-size:1.5em;
  margin-bottom:10px;
}
.situation-card .icon-circle,
.framework-card .icon-circle{
  background:var(--navy);
}
.blog-card .icon-circle,
.card .icon-circle{
  background:var(--gold-dark);
  color:#fff;
}

/* Section banner — a full-width decorative graphic band using CSS gradients instead of a photo */
.graphic-band{
  height:120px;
  border-radius:8px;
  margin:20px 0 26px;
  display:flex;
  align-items:center;
  justify-content:center;
  gap:26px;
  background:
    radial-gradient(circle at 15% 30%, rgba(201,162,39,0.35) 0, transparent 45%),
    radial-gradient(circle at 85% 70%, rgba(201,162,39,0.25) 0, transparent 45%),
    linear-gradient(120deg, var(--navy) 0%, var(--navy-light) 60%, #16305c 100%);
  background-color:var(--navy);
  overflow:hidden;
}
.graphic-band .gb-icon{
  font-size:2.1em;
  color:var(--gold);
  opacity:0.9;
}

/* Mortgage calculator */
.calc-grid{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap:26px;
  margin:20px 0 10px;
}
@media (max-width:640px){.calc-grid{grid-template-columns:1fr;}}
.calc-inputs{
  background:var(--offwhite);
  border:1px solid var(--border);
  border-radius:8px;
  padding:22px;
  font-family: Arial, Helvetica, sans-serif;
}
.calc-inputs label{
  display:block;
  font-weight:bold;
  font-size:0.85em;
  color:var(--navy);
  margin:14px 0 4px;
}
.calc-inputs label:first-child{margin-top:0;}
.calc-inputs input{
  width:100%;
  padding:9px 10px;
  border:1px solid #cfcfcf;
  border-radius:4px;
  font-size:0.95em;
  background:#fff;
}
.calc-results{
  background:var(--navy);
  color:var(--offwhite);
  border-radius:8px;
  padding:22px;
  font-family: Arial, Helvetica, sans-serif;
}
.calc-results h3{color:var(--gold);margin-top:0;}
.calc-monthly{
  font-family:Georgia,serif;
  font-size:2.1em;
  font-weight:bold;
  color:var(--gold);
  margin:6px 0 2px;
}
.calc-monthly-label{font-size:0.78em;color:#dfe3ea;margin-bottom:16px;}
.calc-breakdown{width:100%;border-collapse:collapse;font-size:0.86em;}
.calc-breakdown td{padding:7px 0;border-bottom:1px solid #28406a;}
.calc-breakdown td:last-child{text-align:right;font-weight:bold;}
.calc-breakdown tr:last-child td{border-bottom:none;padding-top:10px;font-size:1.05em;color:var(--gold);}
.calc-note{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.78em;
  color:#8a8a8a;
  font-style:italic;
  margin-top:14px;
}

/* Blog */
.blog-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(260px,1fr));
  gap:20px;
  margin:20px 0 10px;
}
.blog-card{
  border:1px solid var(--border);
  border-radius:8px;
  padding:22px;
  background:#fff;
}
.blog-card .blog-date{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.76em;
  color:#999;
  text-transform:uppercase;
  letter-spacing:0.5px;
}
.blog-card h3{
  color:var(--navy);
  margin:6px 0 8px;
  font-size:1.1em;
}
.blog-card p{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.9em;
  color:#555;
}
.blog-card a.card-link{
  display:inline-block;
  margin-top:6px;
  color:var(--gold-dark);
  font-family: Arial, Helvetica, sans-serif;
  font-weight:bold;
  text-decoration:none;
  font-size:0.9em;
}
.blog-tag{
  display:inline-block;
  background:#EFE8D8;
  color:var(--gold-dark);
  font-family: Arial, Helvetica, sans-serif;
  font-weight:bold;
  font-size:0.68em;
  letter-spacing:0.5px;
  padding:3px 9px;
  border-radius:3px;
  margin-bottom:6px;
}

/* Reviews page */
.review-summary{
  display:flex;
  align-items:center;
  gap:22px;
  background:var(--offwhite);
  border:1px solid var(--border);
  border-radius:8px;
  padding:24px 28px;
  margin:20px 0 30px;
  flex-wrap:wrap;
}
.review-summary .rs-score{
  font-family:Georgia,serif;
  font-size:2.6em;
  font-weight:bold;
  color:var(--navy);
  line-height:1;
}
.review-summary .rs-stars{color:var(--gold);font-size:1.3em;letter-spacing:2px;}
.review-summary .rs-count{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.85em;
  color:#666;
}

/* Hero / hub photography */
.photo-banner{
  width:100%;
  height:300px;
  object-fit:cover;
  object-position:center 42%;
  border-radius:8px;
  margin:0 0 6px;
  box-shadow:0 6px 20px rgba(11,31,58,0.18);
  display:block;
  transition:transform 0.5s ease, box-shadow 0.5s ease;
}
.photo-banner:hover{
  transform:scale(1.025);
  box-shadow:0 14px 34px rgba(11,31,58,0.3);
  position:relative;
  z-index:2;
}
.photo-caption{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.76em;
  color:#999;
  font-style:italic;
  margin:0 0 26px;
  text-align:right;
}
.photo-grid-2{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:14px;
  margin:0 0 8px;
}
.photo-grid-2 figure{
  margin:0;
}
.photo-grid-2 img{
  width:100%;
  height:230px;
  object-fit:cover;
  object-position:center 40%;
  border-radius:8px;
  box-shadow:0 6px 20px rgba(11,31,58,0.18);
  display:block;
  transition:transform 0.5s ease, box-shadow 0.5s ease;
}
.photo-grid-2 img:hover{
  transform:scale(1.035);
  box-shadow:0 14px 30px rgba(11,31,58,0.3);
  position:relative;
  z-index:2;
}
.photo-grid-2 figcaption{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.74em;
  color:#999;
  font-style:italic;
  margin-top:5px;
}
@media (max-width:640px){
  .photo-banner{height:220px;}
  .photo-grid-2{grid-template-columns:1fr;}
}

/* Sidebar photo widget */
.widget-photo{
  padding:0;
  overflow:hidden;
}
.widget-photo img{
  width:100%;
  height:200px;
  object-fit:cover;
  object-position:center 35%;
  display:block;
}
.widget-photo .wp-caption{
  padding:10px 14px;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.78em;
  color:#666;
  font-style:italic;
  background:var(--offwhite);
}

/* Clickable "best agent" photo tiles — homepage geo/persona grid */
.geo-tile-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(230px,1fr));
  gap:20px;
  margin:20px 0 8px;
}
.geo-tile{
  display:block;
  text-decoration:none;
  border:1px solid var(--border);
  border-radius:8px;
  overflow:hidden;
  background:#fff;
  box-shadow:0 4px 14px rgba(11,31,58,0.08);
  transition:box-shadow 0.15s ease, transform 0.15s ease;
}
.geo-tile:hover{
  box-shadow:0 10px 26px rgba(11,31,58,0.2);
  transform:translateY(-2px);
}
.geo-tile img{
  width:100%;
  height:150px;
  object-fit:cover;
  object-position:center 42%;
  display:block;
}
.geo-tile .gt-body{
  padding:14px 16px 18px;
}
.geo-tile .gt-kicker{
  display:block;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.68em;
  font-weight:bold;
  letter-spacing:0.8px;
  color:var(--gold-dark);
  text-transform:uppercase;
  margin-bottom:4px;
}
.geo-tile h3{
  color:var(--navy);
  font-size:1.05em;
  margin:0 0 8px;
  line-height:1.3;
}
.geo-tile p{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.85em;
  color:#555;
  margin:0 0 10px;
}
.geo-tile .gt-link{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.82em;
  font-weight:bold;
  color:var(--gold-dark);
}

/* Resource Hub: glossary */
.az-nav{
  display:flex;
  flex-wrap:wrap;
  gap:6px;
  margin:16px 0 26px;
  font-family: Arial, Helvetica, sans-serif;
}
.az-nav a{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  width:30px;height:30px;
  background:var(--offwhite);
  border:1px solid var(--border);
  border-radius:4px;
  color:var(--navy);
  font-weight:bold;
  font-size:0.85em;
  text-decoration:none;
}
.az-nav a:hover{background:var(--gold);border-color:var(--gold);color:#fff;}
.glossary-letter{
  color:var(--gold-dark);
  font-family:Georgia,serif;
  font-size:1.5em;
  border-bottom:2px solid var(--border);
  padding-bottom:4px;
  margin:30px 0 12px;
}
.glossary-term{
  margin:0 0 16px;
  padding-bottom:12px;
  border-bottom:1px solid var(--border);
}
.glossary-term dt{
  font-weight:bold;
  color:var(--navy);
  font-family:Georgia,serif;
  font-size:1.05em;
  margin-bottom:3px;
}
.glossary-term dd{
  margin:0;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.92em;
  color:#555;
}

/* Resource Hub: do's & don'ts */
.dd-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:16px;
  margin:16px 0 10px;
}
@media (max-width:640px){.dd-grid{grid-template-columns:1fr;}}
.dd-col{
  border-radius:6px;
  padding:18px 20px;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.92em;
}
.dd-col.do{background:var(--offwhite);border-left:4px solid var(--gold);}
.dd-col.dont{background:#fff;border-left:4px solid var(--navy-light);border:1px solid var(--border);border-left-width:4px;}
.dd-col h4{margin-top:0;color:var(--navy);font-family:Georgia,serif;}
.dd-col ul{margin:0;padding-left:20px;color:#555;}
.dd-col li{margin-bottom:7px;}

/* Resource Hub: month-by-month maintenance */
.month-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(250px,1fr));
  gap:16px;
  margin:18px 0 10px;
}
.month-card{
  border:1px solid var(--border);
  border-radius:6px;
  padding:16px 18px;
  background:#fff;
}
.month-card h4{
  margin:0 0 8px;
  color:var(--navy);
  font-family:Georgia,serif;
  font-size:1.05em;
  border-bottom:2px solid var(--gold);
  padding-bottom:6px;
}
.month-card ul{
  margin:0;
  padding-left:18px;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.88em;
  color:#555;
}
.month-card li{margin-bottom:5px;}

/* Resource Hub: map embed */
.map-embed-wrap{
  width:100%;
  border-radius:8px;
  overflow:hidden;
  box-shadow:0 6px 20px rgba(11,31,58,0.18);
  margin:16px 0 8px;
}
.map-embed-wrap iframe{width:100%;height:340px;border:0;display:block;}

/* Resource Hub: city stat cards */
.city-stat-card{
  border:1px solid var(--border);
  border-radius:8px;
  padding:20px 22px;
  margin-bottom:20px;
  background:#fff;
}
.city-stat-card h3{color:var(--navy);margin:0 0 4px;font-size:1.25em;}
.city-stat-strip{
  display:flex;
  gap:22px;
  flex-wrap:wrap;
  margin:10px 0 14px;
  font-family: Arial, Helvetica, sans-serif;
}
.city-stat-strip .cs-item{
  background:var(--navy);
  color:#fff;
  border-radius:6px;
  padding:8px 16px;
  text-align:center;
}
.city-stat-strip .cs-item .cs-num{display:block;font-family:Georgia,serif;font-weight:bold;color:var(--gold);font-size:1.2em;}
.city-stat-strip .cs-item .cs-label{font-size:0.72em;color:#dfe3ea;}
.community-list{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(220px,1fr));
  gap:14px;
  margin-top:10px;
}
.community-card{
  background:var(--offwhite);
  border-radius:6px;
  padding:14px 16px;
}
.community-card h5{margin:0 0 4px;color:var(--gold-dark);font-family:Georgia,serif;font-size:1em;}
.community-card p{margin:0;font-family: Arial, Helvetica, sans-serif;font-size:0.86em;color:#555;}

/* Resource Hub: white-glove service */
.wg-strip{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(220px,1fr));
  gap:16px;
  margin:18px 0 10px;
}
.wg-item{
  background:var(--offwhite);
  border:1px solid var(--border);
  border-radius:6px;
  padding:18px 20px;
}
.wg-item h4{margin:0 0 6px;color:var(--navy);font-family:Georgia,serif;font-size:1em;}
.wg-item p{margin:0;font-family: Arial, Helvetica, sans-serif;font-size:0.88em;color:#555;}

/* Military Hub: thank-you banner */
.thanks-banner{
  display:flex;
  align-items:center;
  gap:20px;
  background:linear-gradient(120deg, var(--navy) 0%, var(--navy-light) 100%);
  border-left:6px solid var(--gold);
  border-radius:8px;
  padding:24px 28px;
  margin:0 0 24px;
  box-shadow:0 6px 20px rgba(11,31,58,0.18);
  animation:tb-glow 3.5s ease-in-out infinite;
}
@keyframes tb-glow{
  0%,100%{box-shadow:0 6px 20px rgba(11,31,58,0.18), 0 0 0 0 rgba(201,162,39,0.25);}
  50%{box-shadow:0 6px 20px rgba(11,31,58,0.18), 0 0 22px 2px rgba(201,162,39,0.28);}
}
@media (prefers-reduced-motion: reduce){
  .thanks-banner{animation:none;}
}
.thanks-banner .tb-icon{
  font-size:2.6em;
  flex:none;
  color:var(--gold);
  display:inline-block;
  animation:gentle-float 3.2s ease-in-out infinite;
}
.thanks-banner h2{
  color:var(--gold);
  margin:0 0 6px;
  font-size:1.25em;
}
.thanks-banner p{
  margin:0;
  font-family: Arial, Helvetica, sans-serif;
  color:#dfe3ea;
  font-size:0.96em;
  line-height:1.55;
}
.thanks-banner .tb-stat{
  color:var(--gold);
  font-weight:bold;
}
@media (max-width:600px){
  .thanks-banner{flex-direction:column;text-align:center;}
}

/* Military Hub: branch badges */
.branch-grid{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:10px;
}
.branch-badge{
  display:flex;
  flex-direction:column;
  align-items:center;
  justify-content:center;
  text-align:center;
  border-radius:6px;
  padding:12px 8px;
  font-family: Arial, Helvetica, sans-serif;
}
.branch-badge{
  background:#fff;
  border:1px solid var(--border);
  box-shadow:0 2px 6px rgba(11,31,58,0.08);
}
.branch-badge .bb-icon{
  width:46px;height:46px;
  display:flex;align-items:center;justify-content:center;
  margin-bottom:6px;
}
.branch-badge .bb-icon img{
  max-width:100%;
  max-height:100%;
  object-fit:contain;
}
.branch-badge .bb-name{
  font-size:0.68em;
  font-weight:bold;
  letter-spacing:0.4px;
  color:var(--navy);
}

/* About page: social media */
.social-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(110px,1fr));
  gap:14px;
  margin:16px 0 8px;
}
.social-badge{
  display:flex;
  flex-direction:column;
  align-items:center;
  justify-content:center;
  text-align:center;
  gap:8px;
  background:#fff;
  border:1px solid var(--border);
  border-radius:8px;
  padding:18px 10px;
  box-shadow:0 2px 6px rgba(11,31,58,0.08);
  text-decoration:none;
  transition:transform 0.15s ease, box-shadow 0.15s ease;
}
.social-badge:hover{
  transform:translateY(-2px);
  box-shadow:0 6px 16px rgba(11,31,58,0.14);
}
.social-badge .sb-icon{
  width:40px;height:40px;
  display:flex;align-items:center;justify-content:center;
}
.social-badge .sb-icon img{
  max-width:100%;
  max-height:100%;
  object-fit:contain;
}
.social-badge .sb-name{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.78em;
  font-weight:bold;
  letter-spacing:0.3px;
  color:var(--navy);
}
.social-pending-note{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.82em;
  color:#777;
  font-style:italic;
  margin:10px 0 0;
}

/* Buyer/Seller Hub: journey road map graphic */
.hj-wrap {
  max-width: 1400px;
  margin: 0 auto;
  padding: 10px 8px 40px;
  box-sizing: border-box;
  overflow-x: auto;
}
.hj-wrap svg {
  display: block;
  width: 100%;
  height: auto;
  min-width: 900px;
}
.hj-roadmap { margin-bottom: 10px; }
.hj-roadmap + .hj-roadmap { margin-top: 40px; }

/* Resource Hub: Buying & Selling Academy (video library) */
.academy-track{
  margin:28px 0 8px;
}
.academy-track h3{
  color:var(--navy);
  font-family:Georgia,serif;
  font-size:1.3em;
  margin:0 0 4px;
}
.academy-track .track-sub{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.9em;
  color:#666;
  margin:0 0 16px;
}
.video-grid{
  display:grid;
  grid-template-columns:repeat(auto-fit, minmax(240px,1fr));
  gap:18px;
  margin-bottom:8px;
}
.video-card{
  border:1px solid var(--border);
  border-radius:8px;
  overflow:hidden;
  background:#fff;
  box-shadow:0 2px 6px rgba(11,31,58,0.06);
}
.video-thumb{
  position:relative;
  background:linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  aspect-ratio:16/9;
  display:flex;
  align-items:center;
  justify-content:center;
}
.video-thumb .vt-play{
  width:52px;height:52px;
  border-radius:50%;
  background:rgba(201,162,39,0.9);
  display:flex;align-items:center;justify-content:center;
  animation:vt-pulse 2.4s ease-in-out infinite;
  transition:transform 0.2s ease;
}
.video-card:hover .video-thumb .vt-play{
  transform:scale(1.12);
}
@keyframes vt-pulse{
  0%,100%{box-shadow:0 0 0 0 rgba(201,162,39,0.45);}
  50%{box-shadow:0 0 0 14px rgba(201,162,39,0);}
}
@media (prefers-reduced-motion: reduce){
  .video-thumb .vt-play{animation:none;}
}
.video-thumb .vt-play::after{
  content:"";
  border-style:solid;
  border-width:9px 0 9px 15px;
  border-color:transparent transparent transparent #0B1F3A;
  margin-left:4px;
}
.coming-soon-badge{
  position:absolute;
  top:10px;
  right:10px;
  background:var(--gold);
  color:var(--navy);
  font-family: Arial, Helvetica, sans-serif;
  font-weight:bold;
  font-size:0.68em;
  letter-spacing:0.5px;
  padding:4px 9px;
  border-radius:3px;
}
.video-card-body{
  padding:14px 16px 16px;
}
.video-card-body .vc-num{
  display:inline-block;
  color:var(--gold-dark);
  font-family: Arial, Helvetica, sans-serif;
  font-weight:bold;
  font-size:0.72em;
  letter-spacing:0.5px;
  margin-bottom:4px;
}
.video-card-body h4{
  margin:0 0 6px;
  color:var(--navy);
  font-family:Georgia,serif;
  font-size:1.02em;
}
.video-card-body p{
  margin:0;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.85em;
  color:#555;
}
.academy-notice{
  background:var(--offwhite);
  border-left:4px solid var(--gold);
  border-radius:4px;
  padding:16px 20px;
  margin:18px 0 28px;
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.92em;
  color:#444;
}
.academy-notice strong{color:var(--navy);}

/* Site-wide footer: compliance strip */
.compliance-strip{
  display:flex;
  align-items:center;
  justify-content:center;
  flex-wrap:wrap;
  gap:16px;
  margin-top:16px;
  padding-top:16px;
  border-top:1px solid rgba(255,255,255,0.12);
}
.compliance-strip img{
  height:30px;
  width:auto;
  filter:brightness(0) invert(1);
  opacity:0.85;
}
.compliance-strip .cs-text{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.78em;
  color:#b9c2d1;
  max-width:480px;
  line-height:1.4;
}
@media (max-width:600px){
  .compliance-strip{flex-direction:column;text-align:center;gap:10px;}
}

/* About page: designation badges */
.designation-strip{
  display:flex;
  flex-wrap:wrap;
  align-items:center;
  gap:24px;
  margin:18px 0 8px;
  padding:18px 20px;
  background:var(--offwhite);
  border:1px solid var(--border);
  border-radius:8px;
}
.designation-strip img{
  height:44px;
  width:auto;
  max-width:180px;
  object-fit:contain;
}
.designation-strip .ds-caption{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.82em;
  color:#666;
  flex-basis:100%;
  margin-top:2px;
}

/* ============================================
   SITE-WIDE MOTION & INTERACTION EFFECTS
   ============================================ */

/* Fade-up reveal on scroll (JS toggles .is-visible via IntersectionObserver) */
.reveal{
  opacity:0;
  transform:translateY(28px);
  transition:opacity 0.7s cubic-bezier(.2,.7,.3,1), transform 0.7s cubic-bezier(.2,.7,.3,1);
}
.reveal.is-visible{
  opacity:1;
  transform:translateY(0);
}
@media (prefers-reduced-motion: reduce){
  .reveal{opacity:1;transform:none;transition:none;}
}

/* Gentle hover lift for card-style components */
.card,
.testimonial-card,
.situation-card,
.framework-card,
.wg-item,
.community-card,
.video-card,
.checklist-group,
.city-stat-card{
  transition:transform 0.25s ease, box-shadow 0.25s ease;
}
.card:hover,
.testimonial-card:hover,
.situation-card:hover,
.framework-card:hover,
.wg-item:hover,
.community-card:hover,
.video-card:hover,
.city-stat-card:hover{
  transform:translateY(-5px);
  box-shadow:0 12px 24px rgba(11,31,58,0.12);
}

/* Gentle floating motion for hero icon strips */
@keyframes gentle-float{
  0%,100%{transform:translateY(0);}
  50%{transform:translateY(-5px);}
}
.hero-icon-strip .hi-item .hi-icon{
  display:inline-block;
  animation:gentle-float 3.2s ease-in-out infinite;
}
.hero-icon-strip .hi-item:nth-child(2) .hi-icon{animation-delay:0.3s;}
.hero-icon-strip .hi-item:nth-child(3) .hi-icon{animation-delay:0.6s;}
.hero-icon-strip .hi-item:nth-child(4) .hi-icon{animation-delay:0.9s;}
.hero-icon-strip .hi-item:nth-child(5) .hi-icon{animation-delay:1.2s;}

/* Slow badge/logo rotation on hover — subtle "polish" touch */
.branch-badge .bb-icon img,
.social-badge .sb-icon img,
.designation-strip img{
  transition:transform 0.35s ease;
}
.branch-badge:hover .bb-icon img,
.social-badge:hover .sb-icon img,
.designation-strip img:hover{
  transform:rotate(-4deg) scale(1.08);
}

/* Brand logo subtle pulse on hover */
.brand-logo{transition:transform 0.3s ease;}
.brand:hover .brand-logo{transform:scale(1.04);}

/* ============================================
   FLOATING CONTACT NOW BUTTON
   ============================================ */
.floating-contact-btn{
  position:fixed;
  right:22px;
  bottom:22px;
  z-index:9998;
  background:var(--gold);
  color:var(--navy);
  font-family: Arial, Helvetica, sans-serif;
  font-weight:bold;
  font-size:0.95em;
  letter-spacing:0.3px;
  padding:15px 22px;
  border:none;
  border-radius:50px;
  display:flex;
  align-items:center;
  gap:9px;
  cursor:pointer;
  box-shadow:0 6px 20px rgba(11,31,58,0.3);
  transition:transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease;
  animation:fcb-pulse 2.6s ease-in-out infinite;
}
.floating-contact-btn:hover{
  background:#dab72e;
  transform:translateY(-3px) scale(1.03);
  box-shadow:0 10px 26px rgba(11,31,58,0.38);
}
.floating-contact-btn .fcb-dot{
  width:9px;height:9px;border-radius:50%;
  background:var(--navy);
  flex:none;
}
@keyframes fcb-pulse{
  0%,100%{box-shadow:0 6px 20px rgba(11,31,58,0.3), 0 0 0 0 rgba(201,162,39,0.55);}
  50%{box-shadow:0 6px 20px rgba(11,31,58,0.3), 0 0 0 12px rgba(201,162,39,0);}
}
@media (max-width:600px){
  .floating-contact-btn{
    right:14px;
    bottom:14px;
    padding:13px 18px;
    font-size:0.88em;
  }
}

/* ============================================
   CONTACT MODAL
   ============================================ */
.contact-modal-overlay{
  position:fixed;
  inset:0;
  background:rgba(11,31,58,0.72);
  z-index:9999;
  display:flex;
  align-items:center;
  justify-content:center;
  padding:20px;
  opacity:0;
  visibility:hidden;
  transition:opacity 0.3s ease, visibility 0.3s ease;
}
.contact-modal-overlay.is-open{
  opacity:1;
  visibility:visible;
}
.contact-modal{
  background:#fff;
  border-radius:12px;
  width:100%;
  max-width:480px;
  max-height:88vh;
  overflow-y:auto;
  padding:32px 30px 28px;
  position:relative;
  box-shadow:0 24px 60px rgba(0,0,0,0.35);
  transform:translateY(24px) scale(0.97);
  transition:transform 0.35s cubic-bezier(.2,.8,.3,1.15);
  border-top:5px solid var(--gold);
}
.contact-modal-overlay.is-open .contact-modal{
  transform:translateY(0) scale(1);
}
.contact-modal .cm-close{
  position:absolute;
  top:14px;
  right:16px;
  background:none;
  border:none;
  font-size:1.5em;
  line-height:1;
  color:#999;
  cursor:pointer;
  padding:4px 8px;
}
.contact-modal .cm-close:hover{color:var(--navy);}
.contact-modal h3{
  color:var(--navy);
  font-family:Georgia,serif;
  font-size:1.4em;
  margin:0 0 4px;
}
.contact-modal .cm-sub{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.88em;
  color:#666;
  margin:0 0 18px;
}
.contact-modal form{
  font-family: Arial, Helvetica, sans-serif;
}
.contact-modal .cm-row{
  display:grid;
  grid-template-columns:1fr 1fr;
  gap:12px;
}
.contact-modal label{
  display:block;
  font-size:0.8em;
  font-weight:bold;
  color:var(--navy);
  margin:12px 0 4px;
}
.contact-modal input,
.contact-modal select,
.contact-modal textarea{
  width:100%;
  padding:10px 11px;
  border:1px solid var(--border);
  border-radius:5px;
  font-size:0.95em;
  font-family: Arial, Helvetica, sans-serif;
  background:var(--offwhite);
  color:var(--gray);
}
.contact-modal input:focus,
.contact-modal select:focus,
.contact-modal textarea:focus{
  outline:2px solid var(--gold);
  outline-offset:1px;
  background:#fff;
}
.contact-modal .cm-submit{
  display:block;
  width:100%;
  margin-top:22px;
  background:var(--navy);
  color:#fff;
  border:none;
  padding:14px;
  font-size:1em;
  font-weight:bold;
  border-radius:6px;
  cursor:pointer;
  font-family: Arial, Helvetica, sans-serif;
  transition:background 0.2s ease;
}
.contact-modal .cm-submit:hover{background:var(--navy-light);}
.contact-modal .cm-note{
  font-family: Arial, Helvetica, sans-serif;
  font-size:0.72em;
  color:#999;
  text-align:center;
  margin-top:10px;
}
.contact-modal .cm-submit:disabled{
  opacity:0.7;
  cursor:default;
}
.cm-success{
  text-align:center;
  padding:30px 10px 10px;
  font-family: Arial, Helvetica, sans-serif;
  animation:hero-fade-up 0.4s ease both;
}
.cm-success-icon{
  width:56px;height:56px;
  margin:0 auto 14px;
  border-radius:50%;
  background:var(--navy);
  color:var(--gold);
  font-size:1.6em;
  font-weight:bold;
  display:flex;align-items:center;justify-content:center;
}
.cm-success h4{
  color:var(--navy);
  font-family:Georgia,serif;
  margin:0 0 6px;
  font-size:1.15em;
}
.cm-success p{
  color:#666;
  font-size:0.9em;
  margin:0;
}
@media (max-width:480px){
  .contact-modal .cm-row{grid-template-columns:1fr;}
  .contact-modal{padding:26px 20px 22px;}
}