/* Bloom Lending marketing theme — vendor-exact skin (bloomlending.com parity).
   Colors sampled from the 2026-07-12 capture: nav #40B93C, upper footer #2d832b,
   bottom bar #246822, H1/body #212529, panel #F8F9FA. Type: Poppins.
   site-config overrides: --bloom (primary), --forest/--forest-deep (secondary). */
:root {
  --canvas: #ffffff;
  --paper: #ffffff;
  --ink: #212529;
  --muted: #6c757d;
  --near-black: #050505;
  --bloom: #40b93c;
  --bloom-dark: #379e33;
  --bloom-pale: #eaf7e9;
  --forest: #2d832b;        /* upper footer band */
  --forest-deep: #246822;   /* darkest bar */
  --line: #dee2e6;
  --field-line: #ced4da;
  --panel: #f8f9fa;
  --mist: #f8f9fa;
  --warm: #f8f9fa;
  --shadow: 0 10px 28px rgba(33, 37, 41, .08);
  --radius: 6px;
  --serif: "Poppins", Arial, sans-serif;
  --sans: "Poppins", Arial, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--canvas);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
}
a { color: inherit; text-decoration: none; }
button, input, select { font: inherit; }
img { max-width: 100%; }

.skip-link {
  position: absolute;
  left: .75rem;
  top: -4rem;
  z-index: 100;
  padding: .65rem .9rem;
  border-radius: 6px;
  background: var(--paper);
  color: var(--forest-deep);
  font-weight: 700;
}
.skip-link:focus { top: .75rem; }

/* ---- Two-tier header (vendor chrome) ---- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--paper);
  box-shadow: 0 1px 0 rgba(0,0,0,.06);
}
.topbar-inner {
  width: min(1140px, calc(100% - 2rem));
  min-height: 88px;
  margin: auto;
  display: flex;
  gap: 1.25rem;
  align-items: center;
  justify-content: space-between;
}
.brand { display: inline-flex; align-items: center; flex-shrink: 0; }
.brand img { width: 190px; height: auto; display: block; }
.topbar-utils { display: flex; align-items: center; gap: 1.1rem; }
.socials { display: flex; align-items: center; gap: .9rem; }
.socials a { display: inline-flex; color: var(--near-black); }
.socials a:hover { color: var(--bloom); }
.socials svg { width: 17px; height: 17px; fill: currentColor; }
.topbar-sep { width: 1px; height: 30px; background: var(--line); }
.header-phone {
  display: inline-flex;
  align-items: center;
  gap: .45rem;
  color: var(--near-black);
  font-size: 1.3rem;
  font-weight: 700;
  letter-spacing: .01em;
}
.header-phone svg { width: 19px; height: 19px; fill: currentColor; }
.phone-btn, .menu-toggle { display: none; }

/* Green primary nav bar */
.nav-bar { background: var(--bloom); }
.nav-inner {
  width: min(1140px, calc(100% - 2rem));
  margin: auto;
  display: flex;
  align-items: center;
}
.nav-inner > a, .nav-inner .dropdown > a {
  display: inline-flex;
  align-items: center;
  gap: .35rem;
  padding: .82rem 1.05rem;
  color: #fff;
  font-size: .95rem;
  font-weight: 500;
}
.nav-inner > a:first-child, .nav-inner .dropdown:first-child > a { padding-left: 0; }
.nav-inner > a:hover, .nav-inner .dropdown > a:hover { color: rgba(255,255,255,.85); }
.nav-inner > a[aria-current="page"] { color: #fff; }
.caret {
  width: 0; height: 0;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 5px solid currentColor;
  display: inline-block;
}
.dropdown { position: relative; }
.dropdown-menu {
  position: absolute;
  top: 100%;
  left: 1.05rem;
  z-index: 60;
  display: none;
  min-width: 205px;
  padding: .35rem 0;
  background: var(--bloom);
  border-radius: 0 0 6px 6px;
  box-shadow: 0 12px 24px rgba(33,37,41,.18);
}
.dropdown:first-child .dropdown-menu { left: 0; }
.dropdown-menu a {
  display: block;
  padding: .55rem 1.15rem;
  color: #fff;
  font-size: .92rem;
  font-weight: 500;
  white-space: nowrap;
}
.dropdown-menu a:hover { background: var(--bloom-dark); }
.dropdown:hover .dropdown-menu, .dropdown.open .dropdown-menu { display: block; }

/* ---- Buttons: vendor green pills, white label ---- */
.button {
  display: inline-flex;
  min-height: 44px;
  align-items: center;
  justify-content: center;
  gap: .5rem;
  padding: .6rem 1.7rem;
  border: 1px solid transparent;
  border-radius: 999px;
  background: var(--bloom);
  color: #fff;
  font-size: .95rem;
  font-weight: 600;
  line-height: 1.2;
  cursor: pointer;
  transition: background .2s ease;
}
.button:hover { background: var(--bloom-dark); }
.button--light { background: #fff; color: var(--bloom); border-color: var(--bloom); }
.button--light:hover { background: var(--bloom-pale); }
.button--line { border-color: currentColor; background: transparent; color: var(--bloom); }
.button--dark { background: var(--forest-deep); color: #fff; }
.button--dark:hover { background: var(--forest); }
.button--wide { width: 100%; }

main { overflow: hidden; }
.container { width: min(1140px, calc(100% - 2rem)); margin: auto; }
.section { padding: clamp(2.75rem, 5vw, 4.5rem) 0; }
.section--paper { background: var(--paper); }
.section--mist { background: var(--panel); }
.section--warm { background: var(--panel); }
.eyebrow {
  margin: 0 0 .6rem;
  color: var(--bloom);
  font-size: .8rem;
  font-weight: 600;
  letter-spacing: .1em;
  line-height: 1.3;
  text-transform: uppercase;
}
h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { color: var(--ink); }
h1 {
  margin-bottom: 1.1rem;
  font-size: clamp(1.85rem, 3.2vw, 2.45rem);
  font-weight: 700;
  line-height: 1.22;
}
h2 {
  margin-bottom: .9rem;
  font-size: clamp(1.45rem, 2.4vw, 1.9rem);
  font-weight: 700;
  line-height: 1.28;
}
h3 { margin-bottom: .55rem; font-size: 1.12rem; font-weight: 600; line-height: 1.35; }
.lead { max-width: 720px; color: var(--ink); font-size: 1rem; }
.muted { color: var(--muted); }
.small { font-size: .82rem; }
.kicker { color: var(--bloom); font-weight: 700; }

/* ---- Legacy hand-authored sections, restyled to the vendor family ---- */
.hero {
  position: relative;
  padding: clamp(3.5rem, 8vw, 6.5rem) 0 3.5rem;
  color: #fff;
  background: linear-gradient(rgba(20, 45, 18, .62), rgba(20, 45, 18, .62)), var(--forest-deep);
}
.hero h1, .hero .lead { color: #fff; }
.hero .eyebrow { color: #d3f2cf; }
.hero-content { position: relative; z-index: 1; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.5rem; }
.path-markers {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: .75rem;
  max-width: 840px;
  margin-top: clamp(2rem, 4vw, 3rem);
}
.path-marker {
  padding: .85rem 0;
  border-top: 1px solid rgba(255,255,255,.4);
  color: #e3f3e0;
  font-size: .8rem;
  font-weight: 500;
}
.path-marker span { display: block; margin-bottom: .25rem; color: #aef0a8; font-size: .72rem; letter-spacing: .1em; }

.page-hero {
  padding: clamp(2.75rem, 5vw, 4.25rem) 0 2.75rem;
  border-bottom: 1px solid var(--line);
  background: var(--panel);
}
.page-hero--dark { color: #fff; border: 0; background: var(--forest-deep); }
.page-hero--dark h1, .page-hero--dark .lead { color: #fff; }
.page-hero .hero-split {
  display: grid;
  grid-template-columns: minmax(0, 1.3fr) minmax(260px, .7fr);
  gap: 3rem;
  align-items: end;
}
.hero-note {
  padding: 1.25rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
}
.page-hero--dark .hero-note { border-color: rgba(255,255,255,.25); background: rgba(255,255,255,.08); }

.stat-row, .card-grid, .process-grid, .guide-grid { display: grid; gap: 1.1rem; }
.stat-row { grid-template-columns: repeat(3, 1fr); margin-top: 2rem; }
.stat { padding-top: .9rem; border-top: 2px solid var(--bloom); color: var(--ink); font-size: .85rem; font-weight: 500; }
.stat strong { display: block; font-size: 1.6rem; font-weight: 700; color: var(--bloom); }
.card-grid { grid-template-columns: repeat(3, 1fr); }
.card {
  display: flex;
  flex-direction: column;
  min-height: 240px;
  padding: 1.55rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--panel);
}
.card--dark { background: var(--forest-deep); border-color: var(--forest-deep); }
.card--dark h3, .card--dark p, .card--dark .card-link { color: #fff; }
.card-number { margin-bottom: auto; color: var(--bloom); font-size: 2rem; font-weight: 700; line-height: 1; }
.card p { color: var(--muted); }
.card-link { display: inline-flex; gap: .4rem; align-items: center; margin-top: auto; color: var(--bloom); font-size: .9rem; font-weight: 600; }
.card-link::after { content: "→"; }
.card-link:hover { text-decoration: underline; }
.section-heading { display: flex; align-items: end; justify-content: space-between; gap: 2rem; margin-bottom: 2rem; }
.section-heading > p:last-child { max-width: 390px; margin-bottom: .45rem; color: var(--muted); }

.split { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: clamp(2rem, 5vw, 5rem); align-items: center; }
.callout { padding: clamp(1.5rem, 3vw, 2.5rem); border-radius: var(--radius); background: var(--forest-deep); color: #fff; }
.callout h2, .callout p { color: #fff; }
.list-clean { padding: 0; margin: 1.2rem 0 0; list-style: none; }
.list-clean li { display: flex; gap: .75rem; margin: .7rem 0; }
.list-clean li::before { content: "•"; color: var(--bloom); font-weight: 700; }
.frame { position: relative; padding: .75rem; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: var(--shadow); }
.frame img { display: block; width: 100%; min-height: 310px; border-radius: 4px; object-fit: cover; }
.frame-label {
  position: absolute;
  right: 2rem;
  bottom: 2rem;
  max-width: 210px;
  padding: .9rem 1rem;
  background: #fff;
  color: var(--ink);
  font-size: .8rem;
  font-weight: 600;
  box-shadow: var(--shadow);
}

.process-grid { grid-template-columns: repeat(4, 1fr); counter-reset: process; }
.process { padding: 1.2rem .3rem .25rem 0; border-top: 1px solid var(--line); counter-increment: process; }
.process::before { content: "0" counter(process); display: block; margin-bottom: .8rem; color: var(--bloom); font-size: 1.4rem; font-weight: 700; }
.process p { margin: 0; color: var(--muted); font-size: .9rem; }

.calculator {
  display: grid;
  grid-template-columns: 1.05fr .95fr;
  overflow: hidden;
  border-radius: var(--radius);
  background: #fff;
  border: 1px solid var(--line);
  box-shadow: var(--shadow);
}
.calculator-form { padding: clamp(1.6rem, 4vw, 2.5rem); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; }
.form-field { display: grid; gap: .3rem; margin-bottom: .85rem; }
.form-field label { color: var(--ink); font-size: .9rem; font-weight: 400; }
.form-field .req { color: #dc3545; }
.form-field input, .form-field select {
  width: 100%;
  padding: .5rem .75rem;
  border: 1px solid var(--field-line);
  border-radius: 4px;
  color: var(--ink);
  background: #fff;
  min-height: 40px;
}
.form-field input:focus, .form-field select:focus { outline: 2px solid rgba(64,185,60,.35); border-color: var(--bloom); }
.calculator-result {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: clamp(1.6rem, 4vw, 2.5rem);
  background: var(--forest-deep);
  color: #fff;
}
.calculator-result h3 { color: #d9efd6; font-size: .9rem; }
.calculator-result output { display: block; margin: .35rem 0 .75rem; color: #fff; font-size: clamp(2.4rem, 5vw, 3.4rem); font-weight: 700; line-height: 1; }
.calculator-result p { color: #cfe8cb; }
.calculator-disclaimer { margin-top: auto; color: #bcdcb8; font-size: .72rem; }

.quote {
  max-width: 900px;
  margin: 0;
  padding-left: clamp(1rem, 4vw, 3rem);
  border-left: 4px solid var(--bloom);
  font-size: clamp(1.2rem, 2vw, 1.6rem);
  font-weight: 500;
  line-height: 1.4;
}
.quote cite { display: block; margin-top: 1rem; color: var(--muted); font-size: .8rem; font-style: normal; font-weight: 600; }

.guide-grid { grid-template-columns: repeat(3, 1fr); }
.guide { padding: 1.3rem 0; border-top: 1px solid var(--line); }
.guide p { margin-bottom: .75rem; color: var(--muted); font-size: .9rem; }
.guide-tag { color: var(--bloom); font-size: .72rem; font-weight: 600; letter-spacing: .1em; text-transform: uppercase; }

.contact-panel { display: grid; grid-template-columns: 1fr 1fr; gap: 1px; overflow: hidden; border-radius: var(--radius); background: var(--line); }
.contact-cell { padding: 1.4rem; background: #fff; }
.contact-cell strong, .contact-cell a { display: block; color: var(--ink); font-size: .95rem; }

.cta-band { padding: clamp(2.5rem, 5vw, 4rem) 0; color: #fff; background: var(--forest-deep); }
.cta-band h2 { color: #fff; }
.cta-band .split { align-items: end; }
.cta-band p { max-width: 510px; color: #d8ecd4; }

.notice {
  padding: .8rem 1rem;
  border-left: 3px solid var(--bloom);
  color: var(--ink);
  background: var(--bloom-pale);
  font-size: .85rem;
}

/* ---- Vendor footer: 4 green columns + darkest bottom bar ---- */
.site-footer { color: #fff; background: var(--forest); }
.footer-inner { width: min(1140px, calc(100% - 2rem)); margin: auto; padding: 3rem 0 2.5rem; }
.footer-grid { display: grid; grid-template-columns: 1.25fr 1fr 1fr 1fr; gap: 2.25rem; }
.footer-heading { margin-bottom: 1rem; color: #fff; font-size: 1.02rem; font-weight: 600; }
.footer-col p { margin: 0 0 .8rem; color: rgba(255,255,255,.95); font-size: .88rem; line-height: 1.65; }
.footer-links { display: block; font-size: .9rem; }
.footer-links a { display: block; padding: .5rem 0; border-bottom: 1px dashed rgba(255,255,255,.4); color: #fff; }
.footer-links a:first-child { padding-top: 0; }
.footer-links a:hover { color: rgba(255,255,255,.8); }
.footer-plain a { display: inline; padding: 0; border: 0; text-decoration: underline; text-decoration-style: dashed; text-underline-offset: 4px; }
.footer-bottom-bar { background: var(--forest-deep); }
.footer-bottom-inner {
  width: min(1140px, calc(100% - 2rem));
  margin: auto;
  padding: 1.1rem 0;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
}
.footer-eoh { display: flex; align-items: center; gap: 1rem; }
.footer-eoh img { height: 52px; width: auto; }
.footer-eoh span { color: rgba(255,255,255,.85); font-size: .72rem; }
.footer-bottom-bar .socials a { color: #fff; }
.footer-bottom-bar .socials a:hover { color: rgba(255,255,255,.7); }

/* ---- Program & content pages (vendor two-column layout) ---- */
.breadcrumbs { display: none; }
.program-section { padding: clamp(2.25rem, 4vw, 3.25rem) 0 clamp(2.75rem, 5vw, 4rem); }
.program-layout {
  display: grid;
  grid-template-columns: minmax(0, 7fr) minmax(320px, 5fr);
  gap: clamp(1.5rem, 3vw, 2.5rem);
  align-items: start;
}
.program-article > p { max-width: 72ch; color: var(--ink); margin-bottom: 1.1rem; }
.program-article ul { max-width: 72ch; padding-left: 1.25rem; color: var(--ink); }
.program-article li { margin: .35rem 0; }
.program-article a { color: var(--bloom); font-weight: 500; text-decoration: underline; text-underline-offset: 3px; }
/* Component anchors inside flex/article content (buttons, cards) keep their own
   styling instead of inheriting the prose-link green-underline treatment above,
   which otherwise wins on specificity (.program-article a) and hides button labels. */
.program-article a.button { color: #fff; font-weight: 600; text-decoration: none; }
.program-article a.button--light,
.program-article a.button--line { color: var(--bloom); }
.program-article a.hub-card,
.program-article a.card-link { color: inherit; text-decoration: none; }
.program-article a.card-link { color: var(--bloom); }

.accordion { margin-top: 1.9rem; border-top: 1px solid var(--line); }
.accordion-item { border-bottom: 1px solid var(--line); }
.accordion-item summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;
  padding: 1.15rem .25rem 1.15rem 1.9rem;
  color: var(--ink);
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  list-style: none;
}
.accordion-item summary::-webkit-details-marker { display: none; }
.accordion-item summary::after {
  content: "+";
  flex-shrink: 0;
  margin-right: .5rem;
  color: var(--bloom);
  font-size: 1.5rem;
  font-weight: 300;
  line-height: 1;
}
.accordion-item[open] summary::after { content: "\2212"; }
.accordion-body { padding: 0 2.25rem 1.35rem 1.9rem; }
.accordion-body p, .accordion-body ul { margin-bottom: .85rem; color: var(--ink); }
.accordion-body ul { padding-left: 1.25rem; }
.accordion-body li { margin: .3rem 0; }
.accordion-body > :last-child { margin-bottom: 0; }

.sidebar-card {
  position: sticky;
  top: 100px;
  padding: 1.8rem 2rem 2rem;
  border-radius: var(--radius);
  background: var(--panel);
}
.sidebar-title {
  margin-bottom: 1.3rem;
  color: var(--bloom);
  font-size: 1.7rem;
  font-weight: 500;
  text-align: center;
}
.hp-field {
  position: absolute !important;
  left: -9999px !important;
  width: 1px;
  height: 1px;
  opacity: 0;
  pointer-events: none;
}
.consent {
  display: flex;
  gap: .55rem;
  align-items: flex-start;
  margin: .9rem 0 1.1rem;
  color: var(--ink);
  font-size: .72rem;
  line-height: 1.5;
}
.consent input { margin-top: .2rem; flex-shrink: 0; }
.consent a { color: var(--bloom); text-decoration: underline; }

/* ---- Responsive ---- */
@media (max-width: 1199px) {
  .socials, .topbar-sep, .header-phone, .topbar-utils .button { display: none; }
  .phone-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 42px;
    height: 42px;
    border-radius: 50%;
    background: var(--bloom);
    color: #fff;
  }
  .phone-btn svg { width: 18px; height: 18px; fill: currentColor; }
  .menu-toggle {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 46px;
    height: 42px;
    border: 1px solid var(--line);
    border-radius: 6px;
    background: #fff;
    color: var(--ink);
    cursor: pointer;
  }
  .menu-toggle svg { width: 20px; height: 20px; fill: currentColor; }
  .topbar-inner { min-height: 72px; }
  .brand img { width: 150px; }
  .nav-bar { display: none; }
  .nav-bar.is-open { display: block; }
  .nav-inner { flex-direction: column; align-items: stretch; padding: .4rem 0 .8rem; }
  .nav-inner > a, .nav-inner .dropdown > a { padding: .7rem 1rem; }
  .nav-inner > a:first-child, .nav-inner .dropdown:first-child > a { padding-left: 1rem; }
  .dropdown-menu {
    position: static;
    display: block;
    min-width: 0;
    box-shadow: none;
    border-radius: 0;
    padding: 0 0 .4rem;
  }
  .dropdown-menu a { padding: .5rem 2.1rem; font-size: .88rem; }
}
@media (max-width: 900px) {
  .card-grid, .guide-grid { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: repeat(2, 1fr); }
  .page-hero .hero-split, .split, .calculator { grid-template-columns: 1fr; }
  .calculator-result { min-height: 240px; }
  .program-layout { grid-template-columns: 1fr; }
  .sidebar-card { position: static; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 720px) {
  .path-markers, .stat-row { grid-template-columns: 1fr; gap: .15rem; }
  .card-grid, .guide-grid, .process-grid, .contact-panel { grid-template-columns: 1fr; }
  .section-heading { display: block; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; gap: 1.6rem; }
  .footer-bottom-inner { flex-direction: column; align-items: flex-start; }
}

/* ---- Hub / index card grids ---- */
.hub-lead { max-width: 72ch; margin-bottom: 1.4rem; }
.hub-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.4rem;
  margin-top: 2rem;
}
.hub-card {
  display: flex;
  flex-direction: column;
  padding: 1.5rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--panel);
  transition: box-shadow .2s ease, transform .2s ease;
}
.hub-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.hub-card img { width: 100%; height: 160px; object-fit: cover; border-radius: 4px; margin-bottom: 1rem; }
.hub-card h2 { font-size: 1.15rem; margin-bottom: .5rem; }
.hub-card p { color: var(--muted); font-size: .92rem; margin-bottom: 1rem; }
.hub-card-more { margin-top: auto; color: var(--bloom); font-size: .9rem; font-weight: 600; }
.hub-card:hover .hub-card-more { text-decoration: underline; }

/* ---- Glossary ---- */
.article-col { max-width: 860px; }
.glossary-nav {
  display: flex;
  flex-wrap: wrap;
  gap: .35rem;
  margin: 1.5rem 0 1rem;
}
.glossary-nav a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 34px;
  height: 34px;
  border: 1px solid var(--line);
  border-radius: 4px;
  color: var(--bloom);
  font-weight: 600;
  font-size: .9rem;
}
.glossary-nav a:hover { background: var(--bloom); color: #fff; border-color: var(--bloom); }
.glossary-letter { max-width: 860px; padding-top: 1.25rem; }
.glossary-letter h2 { color: var(--bloom); border-bottom: 2px solid var(--bloom); padding-bottom: .25rem; }
.glossary-letter dt { font-weight: 600; margin-top: 1rem; }
.glossary-letter dd { margin: .25rem 0 0; color: var(--ink); }
.back-to-top { display: inline-block; margin-top: 1.25rem; color: var(--bloom); font-size: .85rem; font-weight: 600; }
.back-to-top:hover { text-decoration: underline; }

@media (max-width: 900px) { .hub-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .hub-grid { grid-template-columns: 1fr; } }

/* ---- Marketing/form pages (flex template) ---- */
.flex-page { max-width: 1140px; }
.flex-page .lead-form { max-width: 640px; }
.form-field textarea {
  width: 100%;
  padding: .6rem .75rem;
  border: 1px solid var(--field-line);
  border-radius: 4px;
  color: var(--ink);
  background: #fff;
  resize: vertical;
}
.form-field textarea:focus { outline: 2px solid rgba(64,185,60,.35); border-color: var(--bloom); }

.star-rating { margin: 0 0 1rem; padding: 0; border: 0; }
.star-rating legend { font-weight: 600; margin-bottom: .5rem; }
.stars { display: flex; gap: .3rem; }
.stars button {
  border: 0;
  background: none;
  padding: 0;
  color: var(--line);
  font-size: 2rem;
  line-height: 1;
  cursor: pointer;
  transition: color .15s ease;
}
.stars button.is-active, .stars button:hover { color: #f5b301; }

.team-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 2rem;
}
.team-card {
  padding: 1.5rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--panel);
  text-align: center;
}
.team-card img {
  width: 148px;
  height: 148px;
  object-fit: cover;
  border-radius: 50%;
  margin-bottom: 1rem;
}
.team-card h2 { font-size: 1.12rem; margin-bottom: .2rem; }
.team-title { color: var(--muted); font-size: .88rem; margin-bottom: .35rem; }
.team-nmls { color: var(--bloom); font-size: .82rem; font-weight: 600; margin-bottom: .6rem; }
.team-contact a { display: block; padding: .15rem 0; color: var(--ink); font-size: .9rem; }
.team-contact a:hover { color: var(--bloom); }
.team-socials { margin-top: .6rem; }
.team-socials a { color: var(--bloom); font-size: .82rem; font-weight: 600; margin: 0 .35rem; text-decoration: underline; }

.testimonial-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.5rem;
  margin-top: 2rem;
}
.testimonial-card {
  margin: 0;
  padding: 1.6rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--panel);
}
.testimonial-stars { color: #f5b301; font-size: 1.15rem; letter-spacing: .15em; margin-bottom: .7rem; }
.testimonial-card blockquote { margin: 0 0 .9rem; color: var(--ink); }
.testimonial-card figcaption { color: var(--bloom); font-weight: 600; }

@media (max-width: 900px) { .team-grid { grid-template-columns: repeat(2, 1fr); } .testimonial-grid { grid-template-columns: 1fr; } }
@media (max-width: 640px) { .team-grid { grid-template-columns: 1fr; } }

/* ---- Blog (vendor blog-post + paginated index) ---- */
.blog-post h1 { color: var(--bloom); }
.blog-date { color: var(--muted); font-size: .85rem; margin-bottom: 1rem; }
.share-rail { display: flex; gap: .5rem; margin-bottom: 1.4rem; }
.share-rail a, .share-rail button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 38px;
  height: 38px;
  border: 1px solid var(--line);
  border-radius: 50%;
  background: #fff;
  color: var(--ink);
  font-size: .95rem;
  font-weight: 700;
  cursor: pointer;
  transition: background .15s ease, color .15s ease;
}
.share-rail a:hover, .share-rail button:hover { background: var(--bloom); color: #fff; border-color: var(--bloom); }
.share-rail button.copied { background: var(--bloom); color: #fff; }
.blog-hero { width: 100%; max-height: 460px; object-fit: cover; border-radius: var(--radius); margin-bottom: 1.6rem; }
.blog-body h2 { color: var(--bloom); margin-top: 1.6rem; }
.blog-body p, .blog-body ul, .blog-body ol { max-width: 76ch; color: var(--ink); }
.blog-body ul, .blog-body ol { padding-left: 1.3rem; }
.blog-body li { margin: .35rem 0; }
.blog-body a { color: var(--bloom); font-weight: 500; text-decoration: underline; text-underline-offset: 3px; }
.blog-body blockquote { margin: 1.2rem 0; padding: .6rem 1.1rem; border-left: 4px solid var(--bloom); background: var(--panel); }

.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1.5rem;
  margin-top: 1.8rem;
}
.blog-card {
  display: flex;
  flex-direction: column;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  transition: box-shadow .2s ease, transform .2s ease;
}
.blog-card:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.blog-card img { width: 100%; height: 185px; object-fit: cover; }
.blog-card-body { display: flex; flex-direction: column; flex: 1; padding: 1.2rem 1.3rem 1.4rem; }
.blog-card-body .blog-date { margin-bottom: .4rem; font-size: .78rem; }
.blog-card h2 { font-size: 1.05rem; line-height: 1.4; margin-bottom: .5rem; }
.blog-excerpt { color: var(--muted); font-size: .88rem; margin-bottom: 1rem; }
.blog-card .hub-card-more { margin-top: auto; }

.blog-pager {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: .4rem;
  margin-top: 2.2rem;
  font-size: .92rem;
  font-weight: 600;
}
.blog-pager a, .page-current {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-width: 38px;
  height: 38px;
  padding: 0 .7rem;
  border: 1px solid var(--line);
  border-radius: 4px;
  color: var(--bloom);
}
.blog-pager a:hover { background: var(--bloom); color: #fff; border-color: var(--bloom); }
.page-current { background: var(--bloom); color: #fff; border-color: var(--bloom); }
.page-gap { color: var(--muted); padding: 0 .2rem; }

@media (max-width: 900px) { .blog-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 640px) { .blog-grid { grid-template-columns: 1fr; } }

/* ---- Pre-qual wizard (vendor short-app parity) ---- */
.wizard { max-width: 720px; margin: 1.5rem auto 0; }
.wizard-shell {
  padding: clamp(1.5rem, 4vw, 2.5rem);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--panel);
}
.wizard-progress { height: 8px; border-radius: 999px; background: #e3e8e3; overflow: hidden; }
.wizard-progress-fill { height: 100%; border-radius: 999px; background: var(--bloom); transition: width .25s ease; }
.wizard-progress-label { margin: .45rem 0 1.4rem; color: var(--muted); font-size: .78rem; font-weight: 600; }
.wizard-question { font-size: 1.35rem; margin-bottom: .4rem; }
.wizard-note { color: var(--muted); font-size: .9rem; }
.wizard-options { display: grid; grid-template-columns: repeat(2, 1fr); gap: .7rem; margin-top: 1rem; }
.wizard-option {
  padding: .9rem 1.1rem;
  border: 1px solid var(--field-line);
  border-radius: 6px;
  background: #fff;
  color: var(--ink);
  font-weight: 600;
  font-size: .95rem;
  text-align: left;
  cursor: pointer;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.wizard-option:hover { border-color: var(--bloom); }
.wizard-option.selected { border-color: var(--bloom); box-shadow: inset 0 0 0 1px var(--bloom); background: var(--bloom-pale); }
.wizard-select, .wizard-input {
  width: 100%;
  max-width: 420px;
  margin-top: 1rem;
  padding: .65rem .8rem;
  border: 1px solid var(--field-line);
  border-radius: 6px;
  background: #fff;
  font-size: 1rem;
}
.wizard-contact { display: grid; grid-template-columns: 1fr 1fr; gap: .85rem; margin-top: 1rem; }
.wizard-error { color: #dc3545; font-size: .85rem; font-weight: 600; margin: .6rem 0 0; }
.wizard-nav { display: flex; justify-content: space-between; gap: 1rem; margin-top: 1.6rem; }
.wizard-nav .button:only-child { margin-left: auto; }
@media (max-width: 640px) {
  .wizard-options, .wizard-contact { grid-template-columns: 1fr; }
}

/* ---- Calculator hub + panels ---- */
.calc-back {
  margin-bottom: 1rem;
  border: 0;
  background: none;
  color: var(--bloom);
  font-weight: 600;
  font-size: .92rem;
  cursor: pointer;
}
.calc-back:hover { text-decoration: underline; }
.calc-layout {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(300px, 1fr);
  gap: 2rem;
  align-items: start;
  margin-top: 1rem;
}
.calc-form {
  padding: 1.5rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--panel);
}
.calc-results {
  padding: 1.5rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
}
.calc-row {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding: .55rem 0;
  border-bottom: 1px dashed var(--line);
  font-size: .95rem;
}
.calc-row span:last-child { font-weight: 600; }
.calc-row.strong { font-size: 1.05rem; }
.calc-row.strong span:last-child { color: var(--bloom); font-weight: 700; }
.calc-donut {
  width: 150px;
  height: 150px;
  margin: 1.2rem auto .8rem;
  border-radius: 50%;
  mask: radial-gradient(circle 46px, transparent 98%, black 100%);
  -webkit-mask: radial-gradient(circle 46px, transparent 98%, black 100%);
}
.calc-legend { display: flex; flex-wrap: wrap; gap: .5rem 1rem; justify-content: center; font-size: .78rem; }
.calc-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; margin-right: .35rem; }
.calc-disclaimer { margin-top: 1.4rem; color: var(--muted); font-size: .75rem; max-width: 76ch; }
@media (max-width: 900px) { .calc-layout { grid-template-columns: 1fr; } }