/* ==========================================================================
   Security Mortgage Co. — 2026 visual refresh
   One stylesheet. No build step, no external requests, no web fonts fetched.
   ========================================================================== */

:root{
  /* surfaces */
  --paper:#FBF8F3;
  --paper-2:#F3EEE6;
  --white:#FFFFFF;
  --ink:#16202B;          /* developed from the existing #1b2430 */
  --ink-2:#0E1620;
  --ink-3:#0A1017;
  /* text */
  --text:#2B3440;
  --muted:#5A6472;
  --on-ink:#E9EDF1;
  --on-ink-muted:#AEB9C5;
  /* brand: the existing tan (#9a7b52) split into a text-legal dark and an on-ink light */
  --bronze:#84663C;
  --bronze-deep:#6F5430;
  --bronze-light:#C9A86A;
  --bronze-wash:#F1E7D7;
  /* structure */
  --rule:#E4DCD0;
  --rule-strong:#D5CABA;
  /* control boundaries: --rule-strong is a decorative hairline and only reaches
     1.6:1 on white, below the 3:1 WCAG 1.4.11 floor for identifying a control.
     Anything a user has to find and operate — field, slider track, icon-only
     button — uses this instead. */
  --field-rule:#8F8371;
  --rule-ink:rgba(233,237,241,.16);
  /* semantic */
  --amber-bg:#FBF1DE;
  --amber-rule:#E0C48A;
  --amber-ink:#6E4E12;
  --warn-bg:#FCF2EF;
  --warn-rule:#E4C2B6;
  --warn-ink:#8C331C;

  /* Type. Old-money transitional serif for display, Charter for text, a tracked
     grotesque for micro-labels. All system-resident: nothing is downloaded.
     TODO(fonts): to self-host a licensed display face, drop the .woff2 files in
     /assets/fonts/, uncomment the @font-face block below and add the family to
     the front of --display. Nothing else needs to change. */
  --display:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua","Sitka Display",Georgia,"Times New Roman",serif;
  --text-face:Charter,"Bitstream Charter","Sitka Text","Iowan Old Style",Georgia,"Times New Roman",serif;
  --label:"Helvetica Neue",Helvetica,Arial,"Segoe UI",sans-serif;

  --wrap:1180px;
  --gutter:clamp(20px,5vw,44px);
  --shadow-1:0 1px 2px rgba(22,32,43,.06);
  --shadow-2:0 1px 2px rgba(22,32,43,.05),0 14px 30px -16px rgba(22,32,43,.22);
  --shadow-3:0 2px 4px rgba(22,32,43,.06),0 30px 56px -24px rgba(22,32,43,.32);
}

/*
@font-face{
  font-family:"SMC Display";
  src:url("/assets/fonts/smc-display.woff2") format("woff2");
  font-weight:400 700; font-style:normal; font-display:swap;
}
*/

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--paper);color:var(--text);
  font:400 17.5px/1.62 var(--text-face);
  font-kerning:normal;font-variant-ligatures:common-ligatures;text-rendering:optimizeLegibility;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--bronze-deep);text-decoration:none;text-underline-offset:3px;text-decoration-thickness:1px}
a:hover{color:var(--ink);text-decoration:underline}
h1,h2,h3,h4{font-family:var(--display);font-weight:600;color:var(--ink);margin:0;text-wrap:balance}
h1{font-size:clamp(2.3rem,1.35rem + 3.3vw,4rem);line-height:1.04;letter-spacing:-.022em}
h2{font-size:clamp(1.8rem,1.15rem + 1.9vw,2.7rem);line-height:1.1;letter-spacing:-.016em}
h3{font-size:1.28rem;line-height:1.28;letter-spacing:-.008em}
p{margin:0 0 1.05em;text-wrap:pretty}
p:last-child{margin-bottom:0}
strong,b{font-weight:600}
:focus-visible{outline:2px solid var(--bronze);outline-offset:3px;border-radius:2px}
.section--deep :focus-visible,.calc__out :focus-visible,.hero :focus-visible,.footer :focus-visible,.trustband :focus-visible{outline-color:var(--bronze-light)}

.wrap{width:100%;max-width:var(--wrap);margin-inline:auto;padding-inline:var(--gutter)}
.skip{position:absolute;left:-9999px;top:0;z-index:200}
.skip:focus{left:12px;top:12px;background:var(--ink);color:#fff;padding:12px 18px;font-family:var(--label);font-size:15px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

.eyebrow{
  font-family:var(--label);font-size:.78rem;font-weight:600;letter-spacing:.17em;
  text-transform:uppercase;color:var(--bronze);margin:0 0 .8rem;
}
.hero .eyebrow,.section--deep .eyebrow{color:var(--bronze-light)}
.lede{font-size:1.2rem;line-height:1.55;color:var(--muted);max-width:62ch;margin:1rem 0 0}
.prose{font-size:1.09rem;line-height:1.68;max-width:60ch;margin-top:1.4rem}
.prose p{margin-bottom:1.15em}

/* ---------- buttons ---------- */
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  font-family:var(--label);font-size:.97rem;font-weight:600;letter-spacing:.01em;
  padding:15px 26px;border:1px solid transparent;cursor:pointer;border-radius:2px;
  transition:background-color .18s ease,color .18s ease,border-color .18s ease,box-shadow .18s ease,transform .18s ease;
}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn--primary{background:var(--bronze);color:#fff;box-shadow:var(--shadow-1)}
.btn--primary:hover{background:var(--bronze-deep);color:#fff;box-shadow:var(--shadow-2)}
.btn--outline{border-color:var(--field-rule);color:var(--ink);background:transparent}
.btn--outline:hover{border-color:var(--ink);color:var(--ink);background:var(--white)}
.btn--ghost{border-color:rgba(233,237,241,.4);color:#fff;background:transparent}
.btn--ghost:hover{border-color:var(--bronze-light);color:#fff;background:rgba(201,168,106,.14)}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin:0}
.btn-row--spaced{margin-top:2.4rem}
.arrow-link{font-family:var(--label);font-size:.95rem;font-weight:600}
.arrow-link:hover{text-decoration:none;color:var(--ink)}

/* ---------- masthead ---------- */
.masthead{
  position:sticky;top:0;z-index:100;background:rgba(251,248,243,.95);
  backdrop-filter:saturate(120%) blur(6px);border-bottom:1px solid var(--rule);
}
.masthead__inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:82px}
.brand{display:flex;align-items:center;gap:14px;color:var(--ink)}
.brand:hover{color:var(--ink);text-decoration:none}
.brand__name{font-family:var(--display);font-size:1.2rem;font-weight:600;letter-spacing:-.012em;line-height:1.2}
.brand__tag{
  font-family:var(--label);font-size:.685rem;font-weight:600;letter-spacing:.13em;
  text-transform:uppercase;color:var(--muted);
}
.nav{display:flex;align-items:center;gap:2px}
.nav a{
  font-family:var(--label);font-size:.95rem;font-weight:500;color:var(--text);
  padding:9px 14px;border-radius:2px;
}
.nav a:hover{color:var(--ink);background:var(--paper-2);text-decoration:none}
.nav a[aria-current="page"]{color:var(--ink);font-weight:600;box-shadow:inset 0 -2px 0 var(--bronze)}
.nav__cta{
  margin-left:14px;background:var(--bronze);color:#fff !important;padding:12px 20px !important;
  box-shadow:var(--shadow-1);
}
.nav__cta:hover{background:var(--bronze-deep);text-decoration:none}
.nav__cta[aria-current="page"]{box-shadow:inset 0 0 0 1px rgba(255,255,255,.5)}
.hamburger{
  display:none;width:46px;height:46px;background:transparent;border:1px solid var(--field-rule);
  color:var(--ink);align-items:center;justify-content:center;border-radius:2px;
}
.hamburger span{display:block;width:20px;height:1.5px;background:currentColor;position:relative}
.hamburger span::before,.hamburger span::after{content:"";position:absolute;left:0;width:20px;height:1.5px;background:currentColor}
.hamburger span::before{top:-6px}
.hamburger span::after{top:6px}

@media (max-width:900px){
  .hamburger{display:inline-flex}
  .masthead__inner{min-height:70px}
  .nav{
    position:absolute;left:0;right:0;top:100%;display:none;flex-direction:column;align-items:stretch;
    background:var(--paper);border-bottom:1px solid var(--rule);box-shadow:var(--shadow-2);
    padding:6px var(--gutter) 22px;
  }
  .nav[data-open="true"]{display:flex}
  .nav a{padding:16px 2px;font-size:1.05rem;border-bottom:1px solid var(--rule);border-radius:0;min-height:44px;display:flex;align-items:center}
  .nav a[aria-current="page"]{box-shadow:inset 3px 0 0 var(--bronze);padding-left:12px}
  .nav__cta{margin:18px 0 0;justify-content:center;border-bottom:0;padding:16px !important}
}

/* ---------- hero: full-bleed photo, headline overlaid ---------- */
.hero{position:relative;background:var(--ink-2);isolation:isolate}
/* Phones get no hero photo at all — see the note in index.html. Declaring the
   background only inside the media query is the point: a background image on a
   rule that never applies is never fetched, so this is a real 114 KB saving on
   the majority of this site's traffic, not just a hidden element. */
.hero__media{display:none}
@media (min-width:801px){
  .hero__media{
    display:block;position:absolute;inset:0;
    background:url("/assets/img/hero.jpg") 50% 42%/cover no-repeat;
  }
}
.hero__panel{
  position:relative;z-index:1;display:flex;align-items:flex-end;
  min-height:clamp(460px,66vh,660px);
  padding:clamp(48px,10vw,110px) 0 clamp(40px,6vw,72px);
  background:linear-gradient(96deg,rgba(10,16,23,.94) 0%,rgba(10,16,23,.86) 38%,rgba(10,16,23,.55) 68%,rgba(10,16,23,.32) 100%);
}
.hero__box{max-width:40rem}
.hero__box h1{color:#fff;text-shadow:0 1px 24px rgba(4,8,12,.45)}
.hero__box p{margin-top:1.35rem;font-size:1.14rem;line-height:1.6;color:#DCE3EA}
.hero__box .btn-row{margin-top:2.1rem}

.trustband{background:var(--ink);border-bottom:1px solid rgba(0,0,0,.2)}
.trust{display:grid;grid-template-columns:repeat(3,1fr);margin:0}
.trust div{padding:22px 0 24px 24px;border-left:1px solid var(--rule-ink)}
.trust div:first-child{border-left:0;padding-left:0}
.trust dt{
  font-family:var(--label);font-size:.68rem;font-weight:600;letter-spacing:.15em;
  text-transform:uppercase;color:#8B99A8;margin-bottom:6px;
}
.trust dd{margin:0;font-family:var(--display);font-size:1.05rem;color:#fff}
@media (max-width:860px){
  .hero__panel{background:linear-gradient(180deg,rgba(10,16,23,.62) 0%,rgba(10,16,23,.86) 55%,rgba(10,16,23,.95) 100%)}
  .trust{grid-template-columns:1fr 1fr}
  .trust div{padding:16px 0;border-left:0;border-top:1px solid var(--rule-ink)}
  .trust div:first-child,.trust div:nth-child(2){border-top:0}
}

/* ---------- sections ---------- */
.section{padding:clamp(56px,7vw,104px) 0}
.section--alt,.section--calc{background:var(--paper-2);border-top:1px solid var(--rule);border-bottom:1px solid var(--rule)}
.section--deep{background:var(--ink);color:var(--on-ink)}
.section--deep h2{color:#fff}
.section__head{margin-bottom:clamp(30px,4vw,52px);max-width:44ch}
.section__head--row{display:flex;align-items:flex-end;justify-content:space-between;gap:36px;max-width:none}
.section__head--row .lede{max-width:34ch;font-size:1.05rem}
.section__head--center{text-align:center;margin-inline:auto}
.pagehead{background:var(--paper-2);border-bottom:1px solid var(--rule);padding:clamp(46px,6vw,86px) 0 clamp(38px,4.5vw,64px)}
.pagehead h1{max-width:24ch}
.band{text-align:center;max-width:40rem;margin-inline:auto}
.band p{color:var(--on-ink-muted);font-size:1.1rem;margin-top:1rem}
.band .btn-row{justify-content:center;margin-top:2rem}
.center-page{text-align:center;padding-block:clamp(64px,9vw,130px)}
.center-page .lede{margin-inline:auto}
.center-page .btn-row{justify-content:center;margin-top:2rem}
.closing-note{margin-top:clamp(36px,4vw,56px);font-size:1.1rem;color:var(--muted);text-align:center}

/* ---------- layout helpers ---------- */
.split{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(0,1fr);gap:clamp(32px,5vw,72px);align-items:start}
.split--contact{grid-template-columns:minmax(0,1fr) minmax(0,1.15fr)}
.grid{display:grid;gap:clamp(18px,2vw,26px)}
.grid--2{grid-template-columns:repeat(2,1fr)}
.grid--3{grid-template-columns:repeat(3,1fr)}
.grid--4{grid-template-columns:repeat(4,1fr)}
.grid--form{gap:18px}
@media (max-width:980px){.grid--3,.grid--4{grid-template-columns:1fr 1fr}}
@media (max-width:900px){.split,.split--contact{grid-template-columns:1fr}.section__head--row{flex-direction:column;align-items:flex-start;gap:18px}}
@media (max-width:640px){.grid--2,.grid--3,.grid--4,.grid--form{grid-template-columns:1fr}}

/* ---------- cards ---------- */
.card{
  background:var(--white);border:1px solid var(--rule);border-radius:3px;
  padding:clamp(24px,2.4vw,32px);box-shadow:var(--shadow-1);
  display:flex;flex-direction:column;
  transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease;
}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-3);border-color:var(--rule-strong)}
.card h3{margin-bottom:.55rem}
.card p{color:var(--muted);font-size:1.02rem;line-height:1.58}
.card--tight{padding:clamp(20px,2vw,26px)}
.card--officer .btn{align-self:flex-start;margin-top:auto}
.card__icon{
  width:46px;height:46px;display:grid;place-items:center;color:var(--bronze);
  background:var(--bronze-wash);border-radius:2px;margin-bottom:20px;
}
.card__meta{
  margin-top:auto;padding-top:18px;border-top:1px solid var(--rule);
  font-family:var(--label);font-size:.8rem;font-weight:600;letter-spacing:.09em;
  text-transform:uppercase;color:var(--bronze-deep);
}
.card__meta span{
  display:block;margin-top:6px;font-family:var(--text-face);font-size:1rem;
  text-transform:none;letter-spacing:0;font-weight:400;color:var(--muted);
}

/* ---------- callouts ---------- */
.callout{
  background:var(--white);border:1px solid var(--rule);border-top:3px solid var(--bronze);
  box-shadow:var(--shadow-2);padding:clamp(24px,3vw,34px);
}
.callout h3{font-size:1.14rem}
.callout__item + .callout__item{margin-top:22px;padding-top:22px;border-top:1px solid var(--rule)}
.callout__item p{margin:.5rem 0 0;color:var(--muted);font-size:1.02rem;line-height:1.58}
.callout--lead{margin-top:2.2rem}
.callout--lead .btn-row{margin-top:1.5rem}
.callout--lead p{color:var(--muted);margin-top:.5rem}
.callout--warn{
  background:var(--amber-bg);border-color:var(--amber-rule);border-top-color:#C99B3A;
  color:var(--amber-ink);margin-top:2.5rem;
}
.callout--warn a{color:#5C4110}
.callout--danger{
  background:var(--warn-bg);border-color:var(--warn-rule);border-top-color:#A8442A;
  color:var(--warn-ink);margin-top:clamp(30px,3.5vw,48px);
}
.callout--danger h3{color:var(--warn-ink);display:flex;align-items:center;gap:12px}
.callout--danger p{margin-top:.6rem;line-height:1.6}
.callout__icon{display:inline-flex;color:#A8442A}

/* ---------- steps ---------- */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:clamp(20px,2.5vw,34px)}
.steps--3{grid-template-columns:repeat(3,1fr)}
.steps li{border-top:1px solid var(--rule-strong);padding-top:20px}
/* --bronze, not --bronze-light: these numerals carry the step order, and
   #C9A86A on paper is 2.1:1 — invisible to the audience this site is for. */
.steps b{display:block;font-family:var(--display);font-size:2.5rem;line-height:1;color:var(--bronze);margin-bottom:12px}
.steps h3{font-size:1.1rem;margin-bottom:.4rem}
.steps p{color:var(--muted);font-size:1.01rem;line-height:1.56;margin:0}
@media (max-width:900px){.steps,.steps--3{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.steps,.steps--3{grid-template-columns:1fr;gap:22px}}

/* ---------- fields ---------- */
.field{display:flex;flex-direction:column;gap:7px;min-width:0}
.field label{
  font-family:var(--label);font-size:.77rem;font-weight:600;letter-spacing:.12em;
  text-transform:uppercase;color:var(--muted);
}
.hint{font-family:var(--label);font-size:.8rem;font-weight:500;letter-spacing:.02em;text-transform:none;color:var(--bronze-deep)}
.input-wrap{
  display:flex;align-items:center;background:var(--white);border:1px solid var(--field-rule);
  border-radius:2px;transition:border-color .15s ease,box-shadow .15s ease;
}
.input-wrap:focus-within{border-color:var(--bronze);box-shadow:0 0 0 3px rgba(138,106,62,.14)}
.input-wrap input,.input-wrap select,.input-wrap textarea{
  flex:1 1 auto;min-width:0;width:100%;border:0;background:transparent;padding:13px 14px;
  font:400 1.05rem/1.4 var(--text-face);color:var(--ink);font-variant-numeric:tabular-nums;
}
.input-wrap textarea{min-height:150px;resize:vertical;line-height:1.6}
.input-wrap input:focus,.input-wrap select:focus,.input-wrap textarea:focus{outline:none}
.affix{font-family:var(--label);font-size:.95rem;color:var(--muted);flex:none}
.affix--pre{padding-left:14px}
.affix--post{padding-right:14px}
.input-wrap select{
  appearance:none;padding-right:38px;cursor:pointer;
  background-image:linear-gradient(45deg,transparent 50%,var(--muted) 50%),linear-gradient(135deg,var(--muted) 50%,transparent 50%);
  background-position:calc(100% - 20px) calc(50% + 1px),calc(100% - 14px) calc(50% + 1px);
  background-size:6px 6px,6px 6px;background-repeat:no-repeat;
}
.slider{-webkit-appearance:none;appearance:none;width:100%;height:24px;background:transparent;cursor:pointer;margin:2px 0 0}
.slider::-webkit-slider-runnable-track{height:3px;background:var(--field-rule)}
.slider::-webkit-slider-thumb{
  -webkit-appearance:none;width:22px;height:22px;margin-top:-10px;border-radius:50%;
  background:var(--bronze);border:3px solid #fff;box-shadow:0 1px 5px rgba(22,32,43,.4);
}
.slider::-moz-range-track{height:3px;background:var(--field-rule)}
.slider::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:var(--bronze);border:3px solid #fff;box-shadow:0 1px 5px rgba(22,32,43,.4)}
.fineprint{font-size:.9rem;color:var(--muted);line-height:1.5;text-transform:none;letter-spacing:0;font-family:var(--text-face)}

/* ---------- calculator ---------- */
.calc{
  display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.92fr);
  background:var(--white);border:1px solid var(--rule);border-radius:3px;
  box-shadow:var(--shadow-3);overflow:hidden;
}
.calc__in{padding:clamp(24px,3vw,44px)}
.calc__fields{display:grid;grid-template-columns:1fr 1fr;gap:20px 24px}
.calc__fields .field:nth-child(2){grid-column:1/-1}
.calc__out{background:var(--ink);color:var(--on-ink);padding:clamp(26px,3vw,40px);display:flex;flex-direction:column}
.calc__label{
  font-family:var(--label);font-size:.74rem;font-weight:600;letter-spacing:.15em;
  text-transform:uppercase;color:#93A3B2;margin:0;
}
.calc__total{
  font-family:var(--display);font-weight:600;color:#fff;letter-spacing:-.03em;
  font-size:clamp(2.8rem,1.9rem + 2.6vw,3.9rem);line-height:1;margin:.35rem 0 .3rem;
  font-variant-numeric:tabular-nums;
}
.calc__loan{font-size:1rem;color:var(--on-ink-muted);margin:0 0 24px}
.calc__loan b{color:#fff;font-variant-numeric:tabular-nums}
.bar{display:flex;height:9px;border-radius:6px;overflow:hidden;background:rgba(255,255,255,.08);margin-bottom:24px}
.bar span{display:block;min-width:0;transition:flex-basis .35s ease}
.sw-pi{background:#C9A86A}
.sw-tax{background:#8FA4B8}
.sw-ins{background:#6E8C7B}
.sw-hoa{background:#A98E6B}
.sw-pmi{background:#DACDB2}
.dot{display:inline-block;width:9px;height:9px;border-radius:2px;margin-right:10px;vertical-align:1px}
.calc__rows{list-style:none;margin:0;padding:0}
.calc__rows li{
  display:flex;align-items:baseline;justify-content:space-between;gap:16px;
  padding:12px 0;border-top:1px solid var(--rule-ink);font-size:1.02rem;color:#C6D0DA;
}
.calc__rows li:first-child{border-top:0}
.calc__rows b{color:#fff;font-variant-numeric:tabular-nums}
.calc__rows li[hidden]{display:none}
.calc__note{
  margin-top:22px;padding-top:18px;border-top:1px solid var(--rule-ink);
  font-size:.88rem;line-height:1.55;color:#93A1AF;
}
@media (max-width:980px){.calc{grid-template-columns:1fr}}
@media (max-width:560px){.calc__fields{grid-template-columns:1fr}}

/* ---------- officers ---------- */
.person{
  background:var(--white);border:1px solid var(--rule);border-radius:3px;box-shadow:var(--shadow-1);
  display:grid;grid-template-columns:196px minmax(0,1fr);gap:clamp(20px,2.4vw,30px);
  padding:clamp(22px,2.4vw,30px);align-items:start;
  transition:box-shadow .2s ease,border-color .2s ease;
}
.person:hover{box-shadow:var(--shadow-2);border-color:var(--rule-strong)}
.person__frame{
  aspect-ratio:4/5;background:var(--bronze-wash);border:1px solid var(--rule);
  display:grid;place-items:center;overflow:hidden;position:relative;
}
.person__frame::after{
  content:"Portrait";position:absolute;bottom:10px;left:0;right:0;text-align:center;
  font-family:var(--label);font-size:.64rem;letter-spacing:.14em;text-transform:uppercase;color:var(--bronze-deep);
}
/* a real portrait fills the frame; until then the frame is empty behind its caption */
.person__frame:has(img)::after{content:none}
/* object-position only bites in the 1:1 mobile frame: a centred crop there would take the
   top off the subject's head. The 4:5 desktop frame matches the file, so nothing is cut. */
.person__frame img{width:100%;height:100%;object-fit:cover;object-position:50% 0}
.person__role{
  font-family:var(--label);font-size:.79rem;font-weight:600;letter-spacing:.12em;
  text-transform:uppercase;color:var(--bronze-deep);margin:.5rem 0 1.1rem;
}
.deflist{margin:0 0 1.4rem;padding:0}
.deflist div{display:flex;flex-wrap:wrap;gap:4px 16px;padding:11px 0;border-top:1px solid var(--rule)}
.deflist dt{
  font-family:var(--label);font-size:.73rem;font-weight:600;letter-spacing:.12em;
  text-transform:uppercase;color:var(--muted);min-width:92px;padding-top:4px;
}
.deflist dd{margin:0;font-size:1.04rem}
@media (max-width:700px){
  .person{grid-template-columns:1fr}
  .person__frame{max-width:190px;aspect-ratio:1/1}
}

/* ---------- contact ---------- */
.contact-list{list-style:none;margin:0;padding:0}
.contact-list li{display:flex;gap:16px;padding:18px 0;border-top:1px solid var(--rule);align-items:flex-start}
.contact-list li:first-child{border-top:0;padding-top:0}
.contact-list__icon{
  flex:none;width:38px;height:38px;display:grid;place-items:center;color:var(--bronze);
  background:var(--bronze-wash);border-radius:2px;
}
.contact-list .k{
  display:block;font-family:var(--label);font-size:.72rem;font-weight:600;letter-spacing:.13em;
  text-transform:uppercase;color:var(--muted);margin-bottom:4px;
}
.contact-list li > span:last-child{font-size:1.06rem;line-height:1.5}
.formcard{
  background:var(--white);border:1px solid var(--rule);border-radius:3px;
  box-shadow:var(--shadow-2);padding:clamp(24px,3vw,40px);
}
.formcard h2{font-size:1.6rem;margin-bottom:1.6rem}
.formcard form{display:grid;gap:20px}
.formcard button{justify-self:start}

/* ---------- footer ---------- */
.footer{background:var(--ink-3);color:var(--on-ink-muted);padding:clamp(48px,5.5vw,76px) 0 0;font-size:1rem}
.footer__grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:clamp(28px,4vw,56px);padding-bottom:44px}
.footer h4{
  font-family:var(--label);font-size:.73rem;font-weight:600;letter-spacing:.15em;
  text-transform:uppercase;color:#fff;margin:0 0 16px;
}
.footer a{color:#D6DEE6}
.footer a:hover{color:#fff}
.footer ul{list-style:none;margin:0;padding:0;display:grid;gap:11px}
.footer__brand{margin-bottom:20px}
.footer__brand img{width:70%;height:auto}
.footer__legal{border-top:1px solid var(--rule-ink);padding:28px 0 40px;display:grid;gap:14px;font-size:.9rem;line-height:1.6;color:#98A5B2}
.footer__legal p{margin:0}
.footer__legal .eho{display:flex;align-items:flex-start;gap:12px}
.footer__legal .eho svg{flex:none;margin-top:1px;color:#C4CDD6}
.footer__legal strong{color:#CFD8E0}
@media (max-width:820px){.footer__grid{grid-template-columns:1fr;gap:32px}}

/* ---------- motion ---------- */
/* The entrance is an enhancement, never a precondition for being visible.
   Hiding .reveal by default and waiting for JS to add .is-in means a blocked,
   failed or slow main.js leaves the calculator — the centrepiece of the page —
   permanently invisible. So the resting state is visible, and .is-in animates
   it in from below when the observer fires. */
.reveal.is-in{animation:reveal-rise .6s ease both}
@keyframes reveal-rise{
  from{opacity:0;transform:translateY(14px)}
  to{opacity:1;transform:none}
}
@media (prefers-reduced-motion:reduce){
  *,*::before,*::after{animation-duration:.001ms !important;animation-iteration-count:1 !important;transition-duration:.001ms !important;scroll-behavior:auto !important}
  .reveal,.reveal.is-in{animation:none;opacity:1;transform:none}
  .btn:hover,.card:hover{transform:none}
}