/* ============================================================
   Franklin Funding — Production Stylesheet
   workingcapitalelpaso.com
   Mobile-first, Flexbox/Grid, CSS Variables
   ============================================================ */

/* ── CSS Custom Properties ───────────────────────────────── */
:root {
  --color-primary:       #1e40af;   /* Deep blue */
  --color-primary-dark:  #1e3a8a;
  --color-primary-light: #3b82f6;
  --color-accent:        #f59e0b;   /* Amber */
  --color-accent-dark:   #d97706;
  --color-success:       #10b981;
  --color-danger:        #ef4444;
  --color-warning:       #f59e0b;

  --color-text:          #1e293b;
  --color-text-muted:    #64748b;
  --color-text-light:    #94a3b8;
  --color-bg:            #f8fafc;
  --color-bg-white:      #ffffff;
  --color-border:        #e2e8f0;
  --color-border-light:  #f1f5f9;

  --font-sans:  -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
  --font-serif: Georgia, 'Times New Roman', serif;
  --font-mono:  'SFMono-Regular', Consolas, 'Liberation Mono', Menlo, monospace;

  --radius-sm:  4px;
  --radius:     8px;
  --radius-lg:  12px;
  --radius-xl:  16px;
  --radius-full: 9999px;

  --shadow-sm:  0 1px 2px 0 rgb(0 0 0 / 0.05);
  --shadow:     0 1px 3px 0 rgb(0 0 0 / 0.1), 0 1px 2px -1px rgb(0 0 0 / 0.1);
  --shadow-md:  0 4px 6px -1px rgb(0 0 0 / 0.1), 0 2px 4px -2px rgb(0 0 0 / 0.1);
  --shadow-lg:  0 10px 15px -3px rgb(0 0 0 / 0.1), 0 4px 6px -4px rgb(0 0 0 / 0.1);
  --shadow-xl:  0 20px 25px -5px rgb(0 0 0 / 0.1), 0 8px 10px -6px rgb(0 0 0 / 0.1);

  --max-w:      1200px;
  --max-w-prose: 75ch;
  --transition: 150ms ease;
}

/* ── Reset & Base ────────────────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; font-size: 16px; -webkit-text-size-adjust: 100%; }

body {
  font-family: var(--font-sans);
  font-size: 1rem;
  line-height: 1.7;
  color: var(--color-text);
  background-color: var(--color-bg);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}

img, video { max-width: 100%; height: auto; display: block; }
a { color: var(--color-primary); text-decoration: underline; transition: color var(--transition); }
a:hover { color: var(--color-primary-dark); }
a:focus-visible { outline: 2px solid var(--color-primary); outline-offset: 2px; border-radius: var(--radius-sm); }

button { cursor: pointer; font-family: inherit; }
ul, ol { list-style: none; }
table { border-collapse: collapse; width: 100%; }

/* ── Typography ──────────────────────────────────────────── */
h1, h2, h3, h4, h5, h6 {
  font-weight: 700;
  line-height: 1.25;
  color: var(--color-text);
  letter-spacing: -0.01em;
}

h1 { font-size: clamp(1.75rem, 4vw, 2.75rem); margin-bottom: 1.25rem; }
h2 { font-size: clamp(1.375rem, 3vw, 2rem);   margin-bottom: 1rem;    margin-top: 2.5rem; }
h3 { font-size: clamp(1.125rem, 2vw, 1.5rem); margin-bottom: 0.75rem; margin-top: 2rem; }
h4 { font-size: 1.125rem; margin-bottom: 0.5rem; margin-top: 1.5rem; }

p { margin-bottom: 1.25rem; max-width: var(--max-w-prose); }
p:last-child { margin-bottom: 0; }

strong { font-weight: 700; color: var(--color-text); }
em { font-style: italic; }

blockquote {
  border-left: 4px solid var(--color-primary);
  padding: 1rem 1.5rem;
  margin: 1.5rem 0;
  background: #eff6ff;
  border-radius: 0 var(--radius) var(--radius) 0;
  color: var(--color-text);
  font-style: italic;
}

code {
  font-family: var(--font-mono);
  font-size: 0.875em;
  background: var(--color-border-light);
  padding: 0.125em 0.375em;
  border-radius: var(--radius-sm);
  color: var(--color-primary-dark);
}

/* ── Layout Utilities ────────────────────────────────────── */
.container {
  width: 100%;
  max-width: var(--max-w);
  margin-inline: auto;
  padding-inline: 1rem;
}

@media (min-width: 640px)  { .container { padding-inline: 1.5rem; } }
@media (min-width: 1024px) { .container { padding-inline: 2rem; } }

.section { padding-block: 4rem; }
.section--sm { padding-block: 2rem; }
.section--lg { padding-block: 6rem; }

.grid { display: grid; gap: 1.5rem; }
.grid--2 { grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); }
.grid--3 { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.grid--4 { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); }

.flex { display: flex; }
.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.justify-between { justify-content: space-between; }
.justify-center { justify-content: center; }
.gap-4 { gap: 1rem; }
.gap-6 { gap: 1.5rem; }
.gap-8 { gap: 2rem; }

.text-center { text-align: center; }
.text-sm    { font-size: 0.875rem; }
.text-lg    { font-size: 1.125rem; }
.text-xl    { font-size: 1.25rem; }
.text-muted { color: var(--color-text-muted); }
.font-bold  { font-weight: 700; }

.sr-only {
  position: absolute; width: 1px; height: 1px;
  padding: 0; margin: -1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border-width: 0;
}

/* ── Header & Navigation ─────────────────────────────────── */
.site-header {
  background: var(--color-bg-white);
  border-bottom: 1px solid var(--color-border);
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: var(--shadow-sm);
}

.site-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 64px;
}

.site-logo {
  font-size: 1.25rem;
  font-weight: 800;
  color: var(--color-primary);
  text-decoration: none;
  letter-spacing: -0.02em;
}

.site-logo span { color: var(--color-accent); }

.site-nav { display: none; }

@media (min-width: 768px) {
  .site-nav {
    display: flex;
    align-items: center;
    gap: 0.25rem;
  }

  .site-nav a {
    padding: 0.5rem 0.875rem;
    border-radius: var(--radius);
    color: var(--color-text-muted);
    font-weight: 500;
    font-size: 0.9375rem;
    text-decoration: none;
    transition: all var(--transition);
  }

  .site-nav a:hover,
  .site-nav a.active {
    color: var(--color-primary);
    background: #eff6ff;
  }
}

.nav-cta {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.5rem 1.25rem;
  background: var(--color-primary);
  color: white !important;
  border-radius: var(--radius-full);
  font-weight: 600;
  font-size: 0.9375rem;
  text-decoration: none !important;
  transition: background var(--transition);
}

.nav-cta:hover { background: var(--color-primary-dark) !important; }

/* Mobile menu button */
.menu-toggle {
  display: flex;
  flex-direction: column;
  justify-content: center;
  gap: 5px;
  width: 40px; height: 40px;
  background: none;
  border: none;
  padding: 8px;
  border-radius: var(--radius);
  cursor: pointer;
}

.menu-toggle span {
  display: block;
  width: 100%; height: 2px;
  background: var(--color-text);
  border-radius: 2px;
  transition: all var(--transition);
}

@media (min-width: 768px) { .menu-toggle { display: none; } }

/* Mobile nav drawer */
.mobile-nav {
  display: none;
  position: fixed;
  inset: 64px 0 0 0;
  background: var(--color-bg-white);
  padding: 1.5rem;
  z-index: 99;
  border-top: 1px solid var(--color-border);
  flex-direction: column;
  gap: 0.5rem;
  overflow-y: auto;
}

.mobile-nav.open { display: flex; }

.mobile-nav a {
  padding: 0.875rem 1rem;
  border-radius: var(--radius);
  color: var(--color-text);
  font-weight: 500;
  text-decoration: none;
  font-size: 1.0625rem;
  border-bottom: 1px solid var(--color-border-light);
}

.mobile-nav a:hover { background: var(--color-border-light); }

/* ── Hero Section ────────────────────────────────────────── */
.hero {
  background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-primary) 60%, #2563eb 100%);
  color: white;
  padding-block: 5rem 4rem;
  position: relative;
  overflow: hidden;
}

.hero::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.03'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E");
  pointer-events: none;
}

.hero .container { position: relative; z-index: 1; }

.hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,255,255,0.15);
  color: rgba(255,255,255,0.95);
  padding: 0.375rem 1rem;
  border-radius: var(--radius-full);
  font-size: 0.875rem;
  font-weight: 600;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  margin-bottom: 1.5rem;
}

.hero h1 {
  color: white;
  font-size: clamp(2rem, 5vw, 3.25rem);
  max-width: 22ch;
  margin-bottom: 1.25rem;
}

.hero p {
  color: rgba(255,255,255,0.85);
  font-size: clamp(1.0625rem, 2vw, 1.25rem);
  max-width: 55ch;
  margin-bottom: 2rem;
}

.hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  align-items: center;
}

.hero__trust {
  margin-top: 3rem;
  display: flex;
  flex-wrap: wrap;
  gap: 2rem;
  color: rgba(255,255,255,0.75);
  font-size: 0.875rem;
}

.hero__trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}

.hero__trust-item strong { color: white; font-size: 1.125rem; display: block; }

/* ── Buttons ─────────────────────────────────────────────── */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5rem;
  padding: 0.75rem 1.75rem;
  border-radius: var(--radius-full);
  font-weight: 700;
  font-size: 1rem;
  text-decoration: none;
  border: 2px solid transparent;
  transition: all var(--transition);
  cursor: pointer;
  white-space: nowrap;
  font-family: inherit;
}

.btn--primary {
  background: var(--color-accent);
  color: var(--color-text);
  border-color: var(--color-accent);
}

.btn--primary:hover {
  background: var(--color-accent-dark);
  border-color: var(--color-accent-dark);
  color: var(--color-text);
  transform: translateY(-1px);
  box-shadow: var(--shadow-md);
}

.btn--secondary {
  background: transparent;
  color: white;
  border-color: rgba(255,255,255,0.5);
}

.btn--secondary:hover {
  background: rgba(255,255,255,0.1);
  border-color: white;
  color: white;
}

.btn--outline {
  background: transparent;
  color: var(--color-primary);
  border-color: var(--color-primary);
}

.btn--outline:hover {
  background: var(--color-primary);
  color: white;
}

.btn--sm { padding: 0.5rem 1.25rem; font-size: 0.9375rem; }
.btn--lg { padding: 1rem 2.25rem; font-size: 1.125rem; }

/* ── Cards ───────────────────────────────────────────────── */
.card {
  background: var(--color-bg-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.75rem;
  box-shadow: var(--shadow-sm);
  transition: box-shadow var(--transition), transform var(--transition);
}

.card:hover { box-shadow: var(--shadow-md); transform: translateY(-2px); }

.card__icon {
  width: 48px; height: 48px;
  background: #eff6ff;
  border-radius: var(--radius);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 1rem;
  font-size: 1.5rem;
}

.card__title {
  font-size: 1.125rem;
  font-weight: 700;
  margin-bottom: 0.5rem;
  margin-top: 0;
}

.card__body { color: var(--color-text-muted); font-size: 0.9375rem; }

/* ── Badge ───────────────────────────────────────────────── */
.badge {
  display: inline-flex;
  align-items: center;
  padding: 0.25rem 0.75rem;
  border-radius: var(--radius-full);
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
}

.badge--blue    { background: #dbeafe; color: #1e40af; }
.badge--green   { background: #d1fae5; color: #065f46; }
.badge--amber   { background: #fef3c7; color: #92400e; }
.badge--gray    { background: var(--color-border-light); color: var(--color-text-muted); }

/* ── Stats Strip ─────────────────────────────────────────── */
.stats-strip {
  background: var(--color-bg-white);
  border-top: 1px solid var(--color-border);
  border-bottom: 1px solid var(--color-border);
  padding-block: 2.5rem;
}

.stats-strip .container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(160px, 1fr));
  gap: 2rem;
  text-align: center;
}

.stat__number {
  font-size: clamp(1.75rem, 3vw, 2.5rem);
  font-weight: 800;
  color: var(--color-primary);
  display: block;
  line-height: 1;
  margin-bottom: 0.25rem;
}

.stat__label {
  font-size: 0.875rem;
  color: var(--color-text-muted);
  font-weight: 500;
}

/* ── Features / Service Grid ─────────────────────────────── */
.features { background: var(--color-bg); }

.feature-card {
  background: var(--color-bg-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 2rem;
  transition: all var(--transition);
  text-decoration: none;
  color: inherit;
  display: block;
}

.feature-card:hover {
  border-color: var(--color-primary-light);
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
  color: inherit;
}

.feature-card__icon {
  font-size: 2rem;
  margin-bottom: 1rem;
  display: block;
}

.feature-card__title {
  font-size: 1.125rem;
  font-weight: 700;
  color: var(--color-text);
  margin-bottom: 0.5rem;
}

.feature-card__desc {
  color: var(--color-text-muted);
  font-size: 0.9375rem;
  line-height: 1.6;
}

.feature-card__link {
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  color: var(--color-primary);
  font-weight: 600;
  font-size: 0.9375rem;
  margin-top: 1rem;
  text-decoration: none;
}

/* ── CTA Banner ──────────────────────────────────────────── */
.cta-banner {
  background: linear-gradient(135deg, var(--color-primary) 0%, #2563eb 100%);
  color: white;
  padding-block: 4rem;
  text-align: center;
}

.cta-banner h2 { color: white; font-size: clamp(1.5rem, 3vw, 2.25rem); margin-top: 0; }
.cta-banner p  { color: rgba(255,255,255,0.85); margin-inline: auto; }

/* ── Blog / Article Grid ─────────────────────────────────── */
.article-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
  gap: 1.5rem;
}

.article-card {
  background: var(--color-bg-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  overflow: hidden;
  transition: all var(--transition);
  display: flex;
  flex-direction: column;
  text-decoration: none;
  color: inherit;
}

.article-card:hover {
  box-shadow: var(--shadow-lg);
  transform: translateY(-3px);
  color: inherit;
}

.article-card__img {
  width: 100%;
  aspect-ratio: 16/9;
  object-fit: cover;
  background: linear-gradient(135deg, #dbeafe, #eff6ff);
}

.article-card__body { padding: 1.5rem; flex: 1; display: flex; flex-direction: column; }
.article-card__category { font-size: 0.75rem; font-weight: 700; color: var(--color-primary); text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 0.5rem; }
.article-card__title { font-size: 1.0625rem; font-weight: 700; line-height: 1.4; margin-bottom: 0.75rem; color: var(--color-text); }
.article-card__excerpt { font-size: 0.9375rem; color: var(--color-text-muted); line-height: 1.6; flex: 1; }
.article-card__footer { padding: 0 1.5rem 1.25rem; font-size: 0.8125rem; color: var(--color-text-light); }

/* ── Article / Blog Post Page ────────────────────────────── */
.article-header {
  background: linear-gradient(135deg, var(--color-primary-dark) 0%, var(--color-primary) 100%);
  color: white;
  padding-block: 3.5rem 3rem;
}

.article-header h1 { color: white; max-width: 20ch; }
.article-header .article-meta { color: rgba(255,255,255,0.75); font-size: 0.9375rem; margin-top: 1rem; margin-bottom: 0; }

.article-layout {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  padding-block: 3rem;
}

@media (min-width: 1024px) {
  .article-layout { grid-template-columns: 1fr 300px; }
}

.article-body { max-width: var(--max-w-prose); }

.article-body h2 {
  font-size: 1.5rem;
  color: var(--color-primary-dark);
  border-bottom: 2px solid var(--color-border);
  padding-bottom: 0.5rem;
}

.article-body h3 { font-size: 1.25rem; color: var(--color-text); }

.article-body ul,
.article-body ol {
  list-style: revert;
  padding-left: 1.5rem;
  margin-bottom: 1.25rem;
}

.article-body li { margin-bottom: 0.375rem; }

.article-body a {
  color: var(--color-primary);
  font-weight: 500;
  text-decoration: underline;
  text-underline-offset: 2px;
}

.article-body table {
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  overflow: hidden;
  margin-bottom: 1.5rem;
  font-size: 0.9375rem;
}

.article-body th {
  background: var(--color-primary);
  color: white;
  padding: 0.75rem 1rem;
  text-align: left;
  font-weight: 600;
}

.article-body td {
  padding: 0.75rem 1rem;
  border-bottom: 1px solid var(--color-border);
}

.article-body tr:last-child td { border-bottom: none; }
.article-body tr:nth-child(even) td { background: var(--color-border-light); }

/* Sidebar */
.article-sidebar { display: flex; flex-direction: column; gap: 1.5rem; }

.sidebar-widget {
  background: var(--color-bg-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  padding: 1.5rem;
}

.sidebar-widget__title {
  font-size: 0.9375rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.05em;
  color: var(--color-text-muted);
  margin-bottom: 1rem;
  margin-top: 0;
}

.sidebar-widget--cta {
  background: linear-gradient(135deg, var(--color-primary) 0%, #2563eb 100%);
  color: white;
  text-align: center;
}

.sidebar-widget--cta .sidebar-widget__title { color: rgba(255,255,255,0.8); }
.sidebar-widget--cta h3 { color: white; font-size: 1.25rem; margin-top: 0; }
.sidebar-widget--cta p  { color: rgba(255,255,255,0.85); font-size: 0.9375rem; }

/* ── FAQ Section ─────────────────────────────────────────── */
.faq { background: var(--color-bg-white); }

.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  margin-bottom: 0.75rem;
  overflow: hidden;
}

.faq-item__question {
  width: 100%;
  padding: 1.25rem 1.5rem;
  background: none;
  border: none;
  text-align: left;
  font-size: 1rem;
  font-weight: 600;
  color: var(--color-text);
  cursor: pointer;
  display: flex;
  justify-content: space-between;
  align-items: center;
  gap: 1rem;
  font-family: inherit;
  transition: background var(--transition);
}

.faq-item__question:hover { background: var(--color-border-light); }

.faq-item__question::after {
  content: '+';
  font-size: 1.5rem;
  font-weight: 300;
  color: var(--color-primary);
  flex-shrink: 0;
  transition: transform var(--transition);
}

.faq-item.open .faq-item__question::after { transform: rotate(45deg); }

.faq-item__answer {
  display: none;
  padding: 0 1.5rem 1.25rem;
  color: var(--color-text-muted);
  font-size: 0.9375rem;
  line-height: 1.7;
}

.faq-item.open .faq-item__answer { display: block; }

/* ── Forms ───────────────────────────────────────────────── */
.form-group { margin-bottom: 1.25rem; }

.form-label {
  display: block;
  font-weight: 600;
  font-size: 0.9375rem;
  margin-bottom: 0.375rem;
  color: var(--color-text);
}

.form-label .required { color: var(--color-danger); margin-left: 2px; }

.form-control {
  width: 100%;
  padding: 0.75rem 1rem;
  border: 1.5px solid var(--color-border);
  border-radius: var(--radius);
  font-size: 1rem;
  font-family: inherit;
  color: var(--color-text);
  background: var(--color-bg-white);
  transition: border-color var(--transition), box-shadow var(--transition);
  appearance: none;
}

.form-control:focus {
  outline: none;
  border-color: var(--color-primary);
  box-shadow: 0 0 0 3px rgba(30, 64, 175, 0.1);
}

.form-control::placeholder { color: var(--color-text-light); }

textarea.form-control { resize: vertical; min-height: 120px; }

select.form-control {
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='12' viewBox='0 0 12 12'%3E%3Cpath fill='%2364748b' d='M6 8L1 3h10z'/%3E%3C/svg%3E");
  background-repeat: no-repeat;
  background-position: right 1rem center;
  padding-right: 2.5rem;
}

.form-hint { font-size: 0.8125rem; color: var(--color-text-muted); margin-top: 0.25rem; }
.form-error { font-size: 0.8125rem; color: var(--color-danger); margin-top: 0.25rem; display: none; }
.form-control.error { border-color: var(--color-danger); }
.form-control.error + .form-error { display: block; }

/* Honeypot */
.hp-field { display: none !important; visibility: hidden; position: absolute; }

/* ── Disclaimer Box ──────────────────────────────────────── */
.disclaimer-box {
  background: #fef9c3;
  border: 1px solid #fde68a;
  border-radius: var(--radius);
  padding: 1rem 1.25rem;
  font-size: 0.875rem;
  color: #78350f;
  line-height: 1.6;
  margin-bottom: 1.5rem;
}

.disclaimer-box strong { color: #92400e; }

.disclaimer-box--info {
  background: #eff6ff;
  border-color: #bfdbfe;
  color: #1e40af;
}

.disclaimer-box--warning {
  background: #fff7ed;
  border-color: #fed7aa;
  color: #7c2d12;
}

/* ── Tables ──────────────────────────────────────────────── */
.data-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 0.9375rem;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow-sm);
}

.data-table th {
  background: var(--color-primary);
  color: white;
  padding: 0.875rem 1rem;
  text-align: left;
  font-weight: 600;
  white-space: nowrap;
}

.data-table td {
  padding: 0.75rem 1rem;
  border-bottom: 1px solid var(--color-border);
  vertical-align: top;
}

.data-table tr:last-child td { border-bottom: none; }
.data-table tr:nth-child(even) td { background: var(--color-border-light); }
.data-table tr:hover td { background: #eff6ff; }

/* Responsive table wrapper */
.table-wrapper { overflow-x: auto; -webkit-overflow-scrolling: touch; border-radius: var(--radius); }

/* ── Breadcrumbs ─────────────────────────────────────────── */
.breadcrumbs {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  align-items: center;
  font-size: 0.875rem;
  color: var(--color-text-muted);
  padding-block: 1rem;
}

.breadcrumbs a { color: var(--color-primary); text-decoration: none; }
.breadcrumbs a:hover { text-decoration: underline; }
.breadcrumbs__sep { color: var(--color-text-light); }
.breadcrumbs__current { color: var(--color-text); font-weight: 500; }

/* ── Glossary ────────────────────────────────────────────── */
.glossary-grid {
  display: grid;
  grid-template-columns: repeat(auto-fill, minmax(280px, 1fr));
  gap: 1rem;
}

.glossary-term {
  background: var(--color-bg-white);
  border: 1px solid var(--color-border);
  border-radius: var(--radius);
  padding: 1.25rem;
  transition: box-shadow var(--transition);
}

.glossary-term:hover { box-shadow: var(--shadow-md); }
.glossary-term dt { font-weight: 700; color: var(--color-primary); margin-bottom: 0.375rem; }
.glossary-term dd { font-size: 0.9375rem; color: var(--color-text-muted); }

.alphabet-nav {
  background: var(--color-bg-white);
  padding: 1rem;
  border-radius: var(--radius);
  border: 1px solid var(--color-border);
  margin-bottom: 1.5rem;
  display: flex;
  flex-wrap: wrap;
  gap: 0.375rem;
  justify-content: center;
}

.alphabet-nav a {
  display: flex;
  align-items: center;
  justify-content: center;
  width: 36px; height: 36px;
  border-radius: var(--radius);
  font-weight: 700;
  font-size: 0.875rem;
  text-decoration: none;
  color: var(--color-text-muted);
  transition: all var(--transition);
  border: 1px solid transparent;
}

.alphabet-nav a:hover,
.alphabet-nav a.active {
  background: var(--color-primary);
  color: white;
  border-color: var(--color-primary);
}

/* ── Alert / Notice Boxes ────────────────────────────────── */
.alert {
  padding: 1rem 1.25rem;
  border-radius: var(--radius);
  font-size: 0.9375rem;
  border-left: 4px solid;
  margin-bottom: 1.5rem;
}

.alert--info    { background: #eff6ff; border-color: var(--color-primary); color: #1e3a8a; }
.alert--success { background: #ecfdf5; border-color: var(--color-success);  color: #064e3b; }
.alert--warning { background: #fffbeb; border-color: var(--color-warning);  color: #78350f; }
.alert--danger  { background: #fef2f2; border-color: var(--color-danger);   color: #7f1d1d; }

/* ── Footer ──────────────────────────────────────────────── */
.site-footer {
  background: var(--color-text);
  color: rgba(255,255,255,0.75);
  padding-block: 3rem 1.5rem;
}

.site-footer .container {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 2rem;
}

.footer-brand { grid-column: 1 / -1; }

@media (min-width: 768px) { .footer-brand { grid-column: auto; } }

.footer-logo {
  font-size: 1.25rem;
  font-weight: 800;
  color: white;
  text-decoration: none;
  letter-spacing: -0.02em;
  display: inline-block;
  margin-bottom: 0.75rem;
}

.footer-logo span { color: var(--color-accent); }
.footer-tagline { font-size: 0.9375rem; color: rgba(255,255,255,0.6); }

.footer-col__title {
  font-size: 0.8125rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.08em;
  color: rgba(255,255,255,0.4);
  margin-bottom: 1rem;
}

.footer-col ul li { margin-bottom: 0.5rem; }

.footer-col a {
  color: rgba(255,255,255,0.7);
  text-decoration: none;
  font-size: 0.9375rem;
  transition: color var(--transition);
}

.footer-col a:hover { color: white; }

.footer-bottom {
  margin-top: 2.5rem;
  padding-top: 1.5rem;
  border-top: 1px solid rgba(255,255,255,0.1);
  display: flex;
  flex-wrap: wrap;
  gap: 1rem;
  justify-content: space-between;
  align-items: center;
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.4);
}

.footer-bottom a { color: rgba(255,255,255,0.6); }
.footer-bottom a:hover { color: white; }

/* ── Utilities ───────────────────────────────────────────── */
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }
.mt-4 { margin-top: 1rem; }
.mb-4 { margin-bottom: 1rem; }
.mt-8 { margin-top: 2rem; }
.mb-8 { margin-bottom: 2rem; }
.mt-16 { margin-top: 4rem; }

.hidden { display: none !important; }
.visually-hidden { @extend .sr-only; }

.rounded   { border-radius: var(--radius); }
.rounded-lg { border-radius: var(--radius-lg); }
.rounded-full { border-radius: var(--radius-full); }

.shadow    { box-shadow: var(--shadow); }
.shadow-md { box-shadow: var(--shadow-md); }
.shadow-lg { box-shadow: var(--shadow-lg); }

.bg-white   { background: var(--color-bg-white); }
.bg-light   { background: var(--color-bg); }
.bg-primary { background: var(--color-primary); color: white; }

.border { border: 1px solid var(--color-border); }
.border-top { border-top: 1px solid var(--color-border); }

/* ── Print ───────────────────────────────────────────────── */
@media print {
  .site-header, .site-footer, .cta-banner, .sidebar-widget--cta,
  .menu-toggle, .mobile-nav, .nav-cta { display: none !important; }
  body { font-size: 12pt; color: #000; }
  a { color: #000; }
  .article-layout { grid-template-columns: 1fr; }
}

/* ── Animations ──────────────────────────────────────────── */
@media (prefers-reduced-motion: no-preference) {
  .fade-in { animation: fadeIn 0.4s ease forwards; }
  @keyframes fadeIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
}


/* ============================================================
   HOMEPAGE REDESIGN — Orange/Navy Component Layer
   Added: Franklin Funding v2 — Lancaster-style layout
   NOTE: Existing blue/amber variables preserved above.
   These classes supplement (do not replace) the base system.
   ============================================================ */

/* ── Brand Token Overrides (homepage only via .hp- prefix) ── */
:root {
  --ff-orange:       #FF5E00;
  --ff-orange-dark:  #E05200;
  --ff-orange-light: #FF7A2E;
  --ff-navy:         #1A2B3C;
  --ff-navy-light:   #243649;
  --ff-navy-dark:    #111E2B;
  --ff-gray-light:   #F8F9FA;
  --ff-border:       #E2E8F0;
}

/* ── Sticky Header (Orange CTA variant) ─────────────────── */
.hp-header {
  position: sticky;
  top: 0;
  z-index: 200;
  background: #fff;
  border-bottom: 2px solid var(--ff-orange);
  box-shadow: 0 2px 12px rgba(26,43,60,0.10);
}

.hp-header .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 68px;
  gap: 1rem;
}

/* Brand wordmark */
.hp-brand {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  text-decoration: none;
  flex-shrink: 0;
}

.hp-brand__badge {
  width: 38px;
  height: 38px;
  background: var(--ff-navy);
  border-radius: 8px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.8rem;
  font-weight: 900;
  line-height: 1;
  color: #fff;
  letter-spacing: -1px;
}

.hp-brand__badge span { color: var(--ff-orange); }

.hp-brand__text { display: flex; flex-direction: column; line-height: 1.15; }
.hp-brand__name {
  font-size: 1.0625rem;
  font-weight: 800;
  color: var(--ff-navy);
  letter-spacing: -0.03em;
}
.hp-brand__sub {
  font-size: 0.6875rem;
  color: #6B7280;
  font-weight: 500;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

/* Desktop nav with dropdowns */
.hp-nav {
  display: none;
}

@media (min-width: 900px) {
  .hp-nav {
    display: flex;
    align-items: center;
    gap: 0;
    list-style: none;
  }
}

.hp-nav > li { position: relative; }

.hp-nav > li > a,
.hp-nav > li > button {
  display: flex;
  align-items: center;
  gap: 0.3rem;
  padding: 0.5rem 0.875rem;
  font-size: 0.9rem;
  font-weight: 600;
  color: var(--ff-navy);
  text-decoration: none;
  border-radius: 6px;
  border: none;
  background: none;
  cursor: pointer;
  font-family: inherit;
  transition: color 0.15s, background 0.15s;
  white-space: nowrap;
}

.hp-nav > li > a:hover,
.hp-nav > li > button:hover {
  color: var(--ff-orange);
  background: #FFF4EE;
}

.hp-nav__arrow {
  width: 10px; height: 10px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg) translate(-2px,-2px);
  transition: transform 0.2s;
  display: inline-block;
}

/* Dropdown panel */
.hp-dropdown {
  position: absolute;
  top: calc(100% + 4px);
  left: 0;
  background: #fff;
  border: 1px solid var(--ff-border);
  border-radius: 10px;
  box-shadow: 0 12px 32px rgba(26,43,60,0.14);
  min-width: 230px;
  padding: 0.5rem;
  list-style: none;
  opacity: 0;
  visibility: hidden;
  transform: translateY(-6px);
  transition: opacity 0.18s, transform 0.18s, visibility 0.18s;
  z-index: 300;
}

.hp-nav > li:hover .hp-dropdown,
.hp-nav > li:focus-within .hp-dropdown {
  opacity: 1;
  visibility: visible;
  transform: translateY(0);
}

.hp-dropdown a {
  display: block;
  padding: 0.6rem 1rem;
  border-radius: 6px;
  font-size: 0.875rem;
  font-weight: 500;
  color: var(--ff-navy);
  text-decoration: none;
  transition: background 0.12s, color 0.12s;
}

.hp-dropdown a:hover {
  background: #FFF4EE;
  color: var(--ff-orange);
}

.hp-dropdown__divider {
  border: none;
  border-top: 1px solid var(--ff-border);
  margin: 0.375rem 0.75rem;
}

/* Orange CTA button in header */
.hp-cta-btn {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.6rem 1.3rem;
  background: var(--ff-orange);
  color: #fff !important;
  font-weight: 700;
  font-size: 0.875rem;
  border-radius: 999px;
  text-decoration: none !important;
  letter-spacing: 0.01em;
  transition: background 0.15s, transform 0.15s, box-shadow 0.15s;
  white-space: nowrap;
  flex-shrink: 0;
}

.hp-cta-btn:hover {
  background: var(--ff-orange-dark);
  transform: translateY(-1px);
  box-shadow: 0 4px 14px rgba(255,94,0,0.35);
}

/* Mobile hamburger */
.hp-hamburger {
  display: flex;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  padding: 8px;
  cursor: pointer;
  border-radius: 6px;
}

@media (min-width: 900px) { .hp-hamburger { display: none; } }

.hp-hamburger span {
  display: block;
  width: 24px; height: 2px;
  background: var(--ff-navy);
  border-radius: 2px;
  transition: all 0.2s;
}

.hp-hamburger[aria-expanded="true"] span:nth-child(1) { transform: rotate(45deg) translate(5px,5px); }
.hp-hamburger[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.hp-hamburger[aria-expanded="true"] span:nth-child(3) { transform: rotate(-45deg) translate(5px,-5px); }

/* Mobile drawer */
.hp-mobile-drawer {
  display: none;
  position: fixed;
  inset: 68px 0 0 0;
  background: #fff;
  z-index: 1099;
  overflow-y: auto;
  border-top: 1px solid var(--ff-border);
  padding: 1rem 1.25rem 2rem;
  flex-direction: column;
  gap: 0.25rem;
}

.hp-mobile-drawer.is-open { display: flex; }

.hp-mobile-drawer a {
  display: block;
  padding: 0.875rem 1rem;
  border-radius: 8px;
  font-weight: 600;
  font-size: 1rem;
  color: var(--ff-navy);
  text-decoration: none;
  border-bottom: 1px solid var(--ff-border);
}

.hp-mobile-drawer a:hover { background: #FFF4EE; color: var(--ff-orange); }

.hp-mobile-drawer .hp-mobile-section {
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: #9CA3AF;
  padding: 1.25rem 1rem 0.375rem;
}

.hp-mobile-drawer .hp-cta-btn {
  margin-top: 1rem;
  display: flex;
  justify-content: center;
  font-size: 1rem;
  padding: 0.875rem;
  border-radius: 10px;
}

/* ── Hero Section (Lancaster-style impact) ──────────────── */
.hp-hero {
  background: linear-gradient(145deg, var(--ff-navy-dark) 0%, var(--ff-navy) 55%, #1E3A52 100%);
  position: relative;
  padding: 4.5rem 0 3.5rem;
  overflow: hidden;
}

/* geometric accent */
.hp-hero::before {
  content: '';
  position: absolute;
  right: -8%;
  top: -20%;
  width: 55%;
  height: 140%;
  background: radial-gradient(ellipse at center, rgba(255,94,0,0.12) 0%, transparent 65%);
  pointer-events: none;
}

.hp-hero::after {
  content: '';
  position: absolute;
  bottom: 0; left: 0; right: 0;
  height: 4px;
  background: linear-gradient(90deg, var(--ff-orange) 0%, var(--ff-orange-light) 50%, transparent 100%);
}

.hp-hero__inner {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  align-items: center;
}

@media (min-width: 900px) {
  .hp-hero__inner { grid-template-columns: 1fr 1fr; gap: 3rem; }
  .hp-hero { padding: 5.5rem 0 4.5rem; }
}

.hp-hero__eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  background: rgba(255,94,0,0.18);
  color: #FFB380;
  font-size: 0.75rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  padding: 0.375rem 0.875rem;
  border-radius: 999px;
  border: 1px solid rgba(255,94,0,0.25);
  margin-bottom: 1.25rem;
}

.hp-hero h1 {
  color: #fff;
  font-size: clamp(2rem, 4.5vw, 3.125rem);
  line-height: 1.15;
  margin-bottom: 1.25rem;
  letter-spacing: -0.03em;
  max-width: 20ch;
}

.hp-hero h1 .hp-accent { color: var(--ff-orange); }

.hp-hero__sub {
  color: rgba(255,255,255,0.80);
  font-size: clamp(1rem, 1.8vw, 1.175rem);
  line-height: 1.65;
  max-width: 48ch;
  margin-bottom: 2rem;
}

.hp-hero__actions {
  display: flex;
  flex-wrap: wrap;
  gap: 0.875rem;
  align-items: center;
  margin-bottom: 1.75rem;
}

.hp-btn-primary {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.875rem 2rem;
  background: var(--ff-orange);
  color: #fff !important;
  font-weight: 700;
  font-size: 1.0625rem;
  border-radius: 999px;
  text-decoration: none !important;
  transition: background 0.15s, transform 0.15s, box-shadow 0.15s;
  white-space: nowrap;
}

.hp-btn-primary:hover {
  background: var(--ff-orange-dark);
  transform: translateY(-2px);
  box-shadow: 0 6px 20px rgba(255,94,0,0.4);
}

.hp-btn-outline-white {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.875rem 2rem;
  background: transparent;
  color: #fff !important;
  border: 2px solid rgba(255,255,255,0.45);
  font-weight: 600;
  font-size: 1.0625rem;
  border-radius: 999px;
  text-decoration: none !important;
  transition: border-color 0.15s, background 0.15s;
}

.hp-btn-outline-white:hover {
  border-color: #fff;
  background: rgba(255,255,255,0.08);
}

.hp-hero__compliance {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.45);
  line-height: 1.5;
  max-width: 48ch;
}

.hp-hero__compliance a { color: rgba(255,255,255,0.65); text-decoration: underline; }

/* Hero visual card */
.hp-hero__visual {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.12);
  border-radius: 16px;
  padding: 2rem;
  backdrop-filter: blur(4px);
}

.hp-hero__visual-title {
  color: rgba(255,255,255,0.6);
  font-size: 0.75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: 0.1em;
  margin-bottom: 1.25rem;
}

.hp-stat-row {
  display: flex;
  flex-direction: column;
  gap: 0.875rem;
}

.hp-stat-item {
  display: flex;
  align-items: center;
  justify-content: space-between;
  background: rgba(255,255,255,0.07);
  border-radius: 10px;
  padding: 0.875rem 1.125rem;
  border: 1px solid rgba(255,255,255,0.08);
}

.hp-stat-item__label {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.70);
  font-weight: 500;
}

.hp-stat-item__value {
  font-size: 1.0625rem;
  font-weight: 800;
  color: var(--ff-orange);
}

/* ── Trust Bar ───────────────────────────────────────────── */
.hp-trust-bar {
  background: var(--ff-navy);
  padding: 1.125rem 0;
  overflow: hidden;
}

.hp-trust-bar__inner {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0;
}

.hp-trust-item {
  display: flex;
  align-items: center;
  gap: 0.625rem;
  padding: 0.5rem 1.75rem;
  color: rgba(255,255,255,0.9);
  font-size: 0.875rem;
  font-weight: 600;
  white-space: nowrap;
}

.hp-trust-item + .hp-trust-item {
  border-left: 1px solid rgba(255,255,255,0.15);
}

.hp-trust-item__icon {
  width: 28px; height: 28px;
  background: rgba(255,94,0,0.2);
  border-radius: 50%;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 0.875rem;
  flex-shrink: 0;
}

/* ── Service Icon Grid (6-box) ───────────────────────────── */
.hp-services-section {
  background: var(--ff-gray-light);
  padding: 4.5rem 0;
}

.hp-section-label {
  display: inline-block;
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ff-orange);
  background: rgba(255,94,0,0.08);
  border-radius: 999px;
  padding: 0.3rem 0.875rem;
  margin-bottom: 0.875rem;
  border: 1px solid rgba(255,94,0,0.2);
}

.hp-section-title {
  font-size: clamp(1.5rem, 3vw, 2.125rem);
  font-weight: 800;
  color: var(--ff-navy);
  margin-bottom: 0.75rem;
  letter-spacing: -0.025em;
}

.hp-section-sub {
  color: #6B7280;
  font-size: 1.0625rem;
  max-width: 52ch;
  line-height: 1.65;
  margin-bottom: 2.5rem;
}

.hp-svc-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(270px, 1fr));
  gap: 1.25rem;
}

.hp-svc-card {
  background: #fff;
  border: 1px solid var(--ff-border);
  border-radius: 12px;
  padding: 1.75rem;
  display: flex;
  flex-direction: column;
  gap: 0.875rem;
  text-decoration: none;
  color: inherit;
  transition: box-shadow 0.18s, transform 0.18s, border-color 0.18s;
  position: relative;
  overflow: hidden;
}

.hp-svc-card::before {
  content: '';
  position: absolute;
  top: 0; left: 0; right: 0;
  height: 3px;
  background: var(--ff-orange);
  transform: scaleX(0);
  transform-origin: left;
  transition: transform 0.25s;
}

.hp-svc-card:hover {
  box-shadow: 0 8px 32px rgba(26,43,60,0.12);
  transform: translateY(-3px);
  border-color: rgba(255,94,0,0.25);
  color: inherit;
}

.hp-svc-card:hover::before { transform: scaleX(1); }

.hp-svc-icon {
  width: 48px; height: 48px;
  background: rgba(255,94,0,0.09);
  border-radius: 10px;
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 1.5rem;
  flex-shrink: 0;
}

.hp-svc-title {
  font-size: 1.0625rem;
  font-weight: 700;
  color: var(--ff-navy);
  line-height: 1.3;
}

.hp-svc-desc {
  font-size: 0.875rem;
  color: #6B7280;
  line-height: 1.6;
  flex: 1;
}

.hp-svc-link {
  font-size: 0.875rem;
  font-weight: 700;
  color: var(--ff-orange);
  display: flex;
  align-items: center;
  gap: 0.3rem;
  margin-top: auto;
}

/* ── Mini Calculator Widget ─────────────────────────────── */
.hp-tools-section {
  background: #fff;
  padding: 4.5rem 0;
}

.hp-tools-inner {
  display: grid;
  grid-template-columns: 1fr;
  gap: 3rem;
  align-items: center;
}

@media (min-width: 900px) {
  .hp-tools-inner { grid-template-columns: 1fr 1fr; }
}

.hp-calc-widget {
  background: var(--ff-navy);
  border-radius: 16px;
  padding: 2rem;
  color: #fff;
}

.hp-calc-title {
  font-size: 1rem;
  font-weight: 700;
  color: rgba(255,255,255,0.7);
  text-transform: uppercase;
  letter-spacing: 0.08em;
  margin-bottom: 1.25rem;
}

.hp-calc-tabs {
  display: flex;
  gap: 0.5rem;
  margin-bottom: 1.5rem;
  flex-wrap: wrap;
}

.hp-calc-tab {
  padding: 0.4rem 0.875rem;
  border-radius: 999px;
  font-size: 0.8125rem;
  font-weight: 600;
  cursor: pointer;
  border: 1px solid rgba(255,255,255,0.2);
  background: transparent;
  color: rgba(255,255,255,0.65);
  transition: all 0.15s;
  font-family: inherit;
}

.hp-calc-tab.active,
.hp-calc-tab:hover {
  background: var(--ff-orange);
  border-color: var(--ff-orange);
  color: #fff;
}

.hp-calc-group {
  display: flex;
  flex-direction: column;
  gap: 0.75rem;
  margin-bottom: 1.25rem;
}

.hp-calc-label {
  font-size: 0.8125rem;
  color: rgba(255,255,255,0.65);
  font-weight: 500;
  margin-bottom: 0.3rem;
  display: block;
}

.hp-calc-input {
  width: 100%;
  padding: 0.625rem 0.875rem;
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: 8px;
  color: #fff;
  font-size: 0.9375rem;
  font-family: inherit;
  outline: none;
  transition: border-color 0.15s;
}

.hp-calc-input:focus { border-color: var(--ff-orange); }
.hp-calc-input::placeholder { color: rgba(255,255,255,0.35); }

.hp-calc-btn {
  width: 100%;
  padding: 0.75rem;
  background: var(--ff-orange);
  color: #fff;
  border: none;
  border-radius: 8px;
  font-weight: 700;
  font-size: 0.9375rem;
  cursor: pointer;
  font-family: inherit;
  transition: background 0.15s;
}

.hp-calc-btn:hover { background: var(--ff-orange-dark); }

.hp-calc-result {
  background: rgba(255,255,255,0.08);
  border: 1px solid rgba(255,94,0,0.3);
  border-radius: 10px;
  padding: 1rem;
  text-align: center;
  display: none;
}

.hp-calc-result.visible { display: block; }

.hp-calc-result__label {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.55);
  text-transform: uppercase;
  letter-spacing: 0.06em;
  margin-bottom: 0.375rem;
}

.hp-calc-result__value {
  font-size: 2rem;
  font-weight: 900;
  color: var(--ff-orange);
  line-height: 1;
}

.hp-calc-result__sub {
  font-size: 0.75rem;
  color: rgba(255,255,255,0.45);
  margin-top: 0.375rem;
}

.hp-tools-explore {
  margin-top: 1.5rem;
  text-align: center;
}

.hp-tools-explore a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.55);
  text-decoration: underline;
}

/* ── GEO Cluster Grid ────────────────────────────────────── */
.hp-geo-section {
  background: var(--ff-gray-light);
  padding: 3.5rem 0;
  border-top: 1px solid var(--ff-border);
}

.hp-geo-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 1rem;
  margin-top: 2rem;
}

.hp-geo-card {
  background: #fff;
  border: 1px solid var(--ff-border);
  border-radius: 10px;
  padding: 1.25rem 1.5rem;
  display: flex;
  align-items: flex-start;
  gap: 0.75rem;
  transition: box-shadow 0.15s;
}

.hp-geo-card:hover { box-shadow: 0 4px 16px rgba(26,43,60,0.09); }

.hp-geo-card__pin {
  font-size: 1.25rem;
  flex-shrink: 0;
  margin-top: 0.1rem;
}

.hp-geo-card__name {
  font-size: 0.9375rem;
  font-weight: 700;
  color: var(--ff-navy);
  line-height: 1.3;
}

.hp-geo-card__zip {
  font-size: 0.8rem;
  color: #9CA3AF;
  margin-top: 0.125rem;
}

/* ── Authority footer ────────────────────────────────────── */
.hp-footer {
  background: var(--ff-navy-dark);
  color: rgba(255,255,255,0.75);
  padding: 3.5rem 0 0;
}

.hp-footer-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 2.5rem;
  padding-bottom: 3rem;
}

@media (min-width: 640px)  { .hp-footer-grid { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1024px) { .hp-footer-grid { grid-template-columns: 2fr 1fr 1fr 1fr; } }

.hp-footer-brand__name {
  font-size: 1.125rem;
  font-weight: 800;
  color: #fff;
  letter-spacing: -0.02em;
  margin-bottom: 0.75rem;
}

.hp-footer-brand__name span { color: var(--ff-orange); }

.hp-footer-brand p {
  font-size: 0.875rem;
  line-height: 1.7;
  color: rgba(255,255,255,0.55);
  max-width: 28ch;
  margin-bottom: 0.75rem;
}

.hp-footer-brand__contact {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.65);
}

.hp-footer-brand__contact a {
  color: var(--ff-orange);
  text-decoration: none;
  font-weight: 600;
}

.hp-footer-col-title {
  font-size: 0.6875rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255,255,255,0.45);
  margin-bottom: 1rem;
}

.hp-footer-col ul { list-style: none; display: flex; flex-direction: column; gap: 0.5rem; }

.hp-footer-col a {
  font-size: 0.875rem;
  color: rgba(255,255,255,0.65);
  text-decoration: none;
  transition: color 0.12s;
}

.hp-footer-col a:hover { color: var(--ff-orange); }

.hp-footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.08);
  padding: 1.25rem 0;
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  justify-content: space-between;
  gap: 0.75rem;
  font-size: 0.8rem;
  color: rgba(255,255,255,0.35);
}

.hp-footer-bottom a {
  color: rgba(255,255,255,0.45);
  text-decoration: none;
  transition: color 0.12s;
}

.hp-footer-bottom a:hover { color: var(--ff-orange); }

/* ── CTA Banner ──────────────────────────────────────────── */
.hp-cta-banner {
  background: var(--ff-orange);
  padding: 3.5rem 0;
  text-align: center;
  position: relative;
  overflow: hidden;
}

.hp-cta-banner::before {
  content: '';
  position: absolute;
  inset: 0;
  background: url("data:image/svg+xml,%3Csvg width='40' height='40' viewBox='0 0 40 40' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='%23fff' fill-opacity='0.04'%3E%3Cpath d='M0 0h20v20H0zm20 20h20v20H20z'/%3E%3C/g%3E%3C/svg%3E");
}

.hp-cta-banner__inner { position: relative; z-index: 1; }
.hp-cta-banner h2 { color: #fff; font-size: clamp(1.5rem, 3vw, 2.25rem); margin-bottom: 0.75rem; }
.hp-cta-banner p  { color: rgba(255,255,255,0.85); font-size: 1.0625rem; max-width: 52ch; margin-inline: auto; margin-bottom: 2rem; }

.hp-btn-white {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.875rem 2.25rem;
  background: #fff;
  color: var(--ff-orange) !important;
  font-weight: 700;
  font-size: 1.0625rem;
  border-radius: 999px;
  text-decoration: none !important;
  transition: transform 0.15s, box-shadow 0.15s;
}

.hp-btn-white:hover { transform: translateY(-2px); box-shadow: 0 6px 20px rgba(0,0,0,0.2); }

.hp-btn-white-outline {
  display: inline-flex;
  align-items: center;
  gap: 0.4rem;
  padding: 0.875rem 2.25rem;
  background: transparent;
  color: #fff !important;
  border: 2px solid rgba(255,255,255,0.6);
  font-weight: 700;
  font-size: 1.0625rem;
  border-radius: 999px;
  text-decoration: none !important;
  transition: border-color 0.15s, background 0.15s;
}

.hp-btn-white-outline:hover { border-color: #fff; background: rgba(255,255,255,0.1); }

/* ── Compliance disclaimer box ───────────────────────────── */
.hp-disclaimer {
  background: #FFF8F5;
  border-top: 2px solid var(--ff-orange);
  padding: 1rem 0;
}

.hp-disclaimer p {
  font-size: 0.8125rem;
  color: #6B7280;
  line-height: 1.6;
  max-width: none;
  margin: 0;
}

.hp-disclaimer strong { color: var(--ff-navy); }
.hp-disclaimer a { color: var(--ff-orange); }

/* Utility: section spacing */
.hp-section { padding: 4.5rem 0; }
.hp-mt { margin-top: 2rem; }
.hp-text-center { text-align: center; }


/* ============================================================
   HOMEPAGE FIX PASS — Fairfield Peak Parity
   Notice Box + Trust Bar inline fix + Nav uppercase caps
   ============================================================ */

/* ── Nav: uppercase caps style (Fairfield Peak) ──────────── */
.hp-nav > li > a,
.hp-nav > li > button {
  font-size: 0.8125rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #374151;
}

/* ── Lead Gen Notice Box ─────────────────────────────────── */
.hp-notice-box {
  background: #FFFBEB;
  border-bottom: 1px solid #D97706;
  padding: 0.875rem 0;
}

.hp-notice-box__inner {
  display: flex;
  align-items: flex-start;
  gap: 0.875rem;
}

.hp-notice-box__icon {
  flex-shrink: 0;
  color: #D97706;
  margin-top: 0.125rem;
  width: 20px;
  height: 20px;
}

.hp-notice-box p {
  font-size: 0.875rem;
  color: #374151;
  line-height: 1.65;
  margin: 0;
  max-width: none;
}

.hp-notice-box strong { color: #111827; }

.hp-notice-box a {
  color: #D97706;
  font-weight: 600;
  text-decoration: underline;
}

/* ── Trust Bar: horizontal inline list ───────────────────── */
.hp-trust-bar__list {
  display: flex;
  align-items: center;
  justify-content: center;
  flex-wrap: wrap;
  gap: 0;
  list-style: none;
  padding: 0;
  margin: 0;
}

/* Override: trust items now use <li> and inline SVG */
.hp-trust-bar .hp-trust-item {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  padding: 0.625rem 1.5rem;
  color: rgba(255,255,255,0.92);
  font-size: 0.875rem;
  font-weight: 600;
  white-space: nowrap;
  border-left: none;
}

.hp-trust-bar .hp-trust-item + .hp-trust-item {
  border-left: 1px solid rgba(255,255,255,0.18);
}

.hp-trust-item__svg {
  width: 18px;
  height: 18px;
  flex-shrink: 0;
  color: #FF5E00;
  stroke: #FF5E00;
}

/* Mobile: wrap to 2 columns */
@media (max-width: 640px) {
  .hp-trust-bar__list {
    justify-content: flex-start;
    gap: 0;
  }
  .hp-trust-bar .hp-trust-item {
    width: 50%;
    padding: 0.625rem 1rem;
    border-left: none !important;
    border-bottom: 1px solid rgba(255,255,255,0.1);
  }
}

/* ── Service cards: match screenshot structure exactly ───── */
/* Icon sits left, title + desc + link flow right */
.hp-svc-card {
  display: flex;
  flex-direction: column;
}

.hp-svc-card-header {
  display: flex;
  align-items: flex-start;
  gap: 1rem;
  margin-bottom: 0.75rem;
}

.hp-svc-title {
  font-size: 1.0625rem;
  font-weight: 700;
  color: #111827;
  margin: 0;
  line-height: 1.3;
}

.hp-svc-desc {
  font-size: 0.9rem;
  color: #6B7280;
  line-height: 1.65;
  margin: 0 0 0.875rem;
}

.hp-svc-link {
  font-size: 0.875rem;
  font-weight: 700;
  color: #FF5E00;
  text-decoration: none;
  display: inline-flex;
  align-items: center;
  gap: 0.25rem;
  margin-top: auto;
}

.hp-svc-link:hover { color: #E05200; text-decoration: underline; }