/* B-Line Capital 2026 design layer. Loaded after brand.css on every page.
   Only changes the look; page content and structure come from the existing build. */

:root {
  --navy: #0b2540; --ink: #0b2540; --navy-2: #0f2c4b; --navy-3: #071a2e;
  --go: #00785e; --go-dark: #00624d; --mint: #6fe0bf;
  --text: #263646; --muted: #4f6070; --field: #f3f6f8; --grid: #e2e8ed; --rule: #dfe5ea;
  --dark: #071a2e; --r: 10px; --wrap: 1200px;
  --shadow: 0 24px 48px -32px rgba(11, 37, 64, 0.35);
  --grid-dark: linear-gradient(rgba(255,255,255,.07) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.07) 1px, transparent 1px);
  --grid-light: linear-gradient(rgba(11,37,64,.06) 1px, transparent 1px), linear-gradient(90deg, rgba(11,37,64,.06) 1px, transparent 1px);
  --glow: radial-gradient(closest-side, rgba(0,162,127,.30), rgba(0,162,127,0));
}
html { overflow-x: clip; }
body { color: var(--text); }
a { color: var(--ink); }
a:hover { color: var(--go); }
h1, h2, h3 { color: var(--ink); }
main { counter-reset: sec; }

/* ---------- buttons ---------- */
.btn, .btn-pill, .pill, .compare-btn, .quote-pill, .f-form .btn {
  border-radius: 8px !important; font-weight: 650; letter-spacing: 0; text-transform: none;
}
.btn { background: var(--go); border-color: var(--go); color: #fff; padding: 0.9rem 1.35rem; min-height: 44px; }
.btn:hover { background: var(--go-dark); border-color: var(--go-dark); color: #fff; }
.btn-quiet { background: #fff; color: var(--ink); border: 1px solid #b7c4cf; }
.btn-quiet:hover { background: var(--field); color: var(--ink); border-color: var(--ink); }
.btn-pill { background: var(--go); padding: 0.8rem 1.2rem; font-size: 0.95rem; }
.btn-pill:hover { background: var(--go-dark); }
.pill-lime, .pill-green { background: var(--go); color: #fff !important; }
.pill-white { background: #fff; color: var(--ink) !important; }
.pill-cyan, .pill-outline { background: transparent; color: #fff !important; box-shadow: inset 0 0 0 1px #4a6580; border: 0; }
.pill-cyan:hover, .pill-outline:hover { background: rgba(255,255,255,.08); }

/* ---------- header ---------- */
.brand-header { background: #fff; border-bottom: 1px solid #e3e8ec; }
.brand-header .header-row { min-height: 76px; gap: 1rem; }
.topnav a, .topnav summary { text-transform: none; font-size: 0.95rem; font-weight: 600; color: var(--ink); padding: 1.6rem 0.65rem 1.4rem; border-bottom-width: 3px; }
.topnav a:hover, .topnav summary:hover, .topnav a[aria-current="page"], .topnav .is-current summary { border-bottom-color: var(--go); color: var(--go); }
.topnav .sub > ul { border-top: 3px solid var(--go); border-radius: 0 0 10px 10px; box-shadow: 0 24px 48px -20px rgba(11,37,64,.35); }
.topnav .sub-all a { color: var(--go); }
.brand-header .lang-switch { border: 1px solid var(--rule); border-radius: 8px; color: var(--ink); }
.brand-header .menu nav { border-top-color: var(--go); }

/* ---------- section eyebrow numbers (01, 02 ...) ---------- */
.wp-section h2.cyan-h::before, .wp-section h2.band-title::before,
.market h2::before, main > section.wrap > h2:first-child::before, .home-why h2::before, .home-process h2::before, .home-reviews h2::before {
  counter-increment: sec; content: counter(sec, decimal-leading-zero);
  display: block; margin-bottom: 0.7rem; font-size: 0.9rem; font-weight: 700; letter-spacing: 0.12em; color: var(--go); font-stretch: 100%;
}
.market-pulse h2::before { color: var(--mint); }
.wp-center h2::before { margin-inline: auto; }
.sources h2::before, .author h2::before, .rail h2::before, .glance h2::before { content: none !important; counter-increment: none !important; }

/* ---------- headings ---------- */
.cyan-h, .band-title { color: var(--ink); font-weight: 760; font-stretch: 112%; letter-spacing: -0.015em; font-size: clamp(1.8rem, 1.2rem + 1.8vw, 2.7rem); line-height: 1.08; }
.wp-center .band-title { max-width: 26ch; margin-inline: auto; }
h2 { font-weight: 740; }

/* ---------- dark heroes (navy, grid, glow) ---------- */
.home-hero2, .wp-hero, .photo-band, .cta-band, .market-pulse, .navy-band {
  position: relative; isolation: isolate; overflow: hidden;
  background-color: var(--navy) !important; background-image: none !important; color: #fff;
}
.home-hero2::before, .wp-hero::before, .photo-band::before, .market-pulse::before {
  content: ""; position: absolute; inset: 0; z-index: -1; background: none;
  background-image: var(--grid-dark); background-size: 64px 64px; background-position: center top;
  -webkit-mask-image: radial-gradient(ellipse 80% 90% at 70% 40%, #000 30%, transparent 85%);
  mask-image: radial-gradient(ellipse 80% 90% at 70% 40%, #000 30%, transparent 85%);
}
.home-hero2::after, .wp-hero::after, .cta-band::after {
  content: ""; position: absolute; z-index: -1; width: 720px; height: 720px; right: -160px; top: -220px; border-radius: 50%; background: var(--glow); pointer-events: none;
}
.photo-band > *, .wp-hero > * { position: relative; }
.wp-hero .wrap { padding-top: clamp(3.4rem, 8vw, 6.4rem); padding-bottom: clamp(3.2rem, 7vw, 5.6rem); }
.wp-hero h1, .home-hero2 h1 { color: #fff; font-weight: 800; font-stretch: 116%; letter-spacing: -0.025em; line-height: 1.03; text-shadow: none; }
.wp-hero h1 { font-size: clamp(2.3rem, 1.3rem + 3.4vw, 4.1rem); max-width: 20ch; }
.wp-hero .sub { color: #d3dde6; text-shadow: none; font-size: clamp(1.1rem, 1rem + 0.4vw, 1.3rem); }
.eyebrow { background: none !important; box-shadow: none !important; padding: 0 !important; color: var(--mint) !important; font-size: 0.85rem !important; font-weight: 700 !important; letter-spacing: 0.14em !important; text-transform: uppercase; }
.hh-eyebrow { color: var(--mint); letter-spacing: 0.14em; text-transform: uppercase; font-size: 0.85rem; font-weight: 700; }
.home-hero2 h1 { font-size: clamp(2.6rem, 1.4rem + 4vw, 4.6rem); }
.hh-lede { color: #d3dde6; font-size: 1.2rem; }
.home-hero2-grid { padding-top: clamp(3.4rem, 7vw, 6rem); padding-bottom: clamp(3.4rem, 7vw, 6rem); }
.hh-stats { border-top: 1px solid rgba(255,255,255,.18); }
.hh-stats dt { font-size: clamp(1.5rem, 1.1rem + 1vw, 2.1rem); font-weight: 800; }
.hh-stats dd { color: #b9c8d6; }
.home-hero2 .btn:not(.btn-ghost) { background: #fff; border-color: #fff; color: var(--ink); }
.home-hero2 .btn:not(.btn-ghost):hover { background: #e9eff4; color: var(--ink); }
.btn-ghost { border: 1px solid #4a6580 !important; }
.home-hero2 sup a, .wp-hero sup a, .navy-band sup a, .photo-band sup a, .market-pulse sup a { color: var(--mint); }

/* intro band under product heroes: becomes part of the navy hero */
.navy-band.intro-band { border-top: 1px solid rgba(255,255,255,.1); }
.navy-band.intro-band::before { content: ""; position: absolute; inset: 0; z-index: -1; background-image: var(--grid-dark); background-size: 64px 64px; -webkit-mask-image: radial-gradient(ellipse 60% 100% at 50% 0%, #000 10%, transparent 75%); mask-image: radial-gradient(ellipse 60% 100% at 50% 0%, #000 10%, transparent 75%); }
.intro-band p { color: #d3dde6; font-size: clamp(1.05rem, 1rem + 0.3vw, 1.2rem); max-width: 62ch; }
.navy-band .byline, .navy-band .byline a { color: #b9c8d6; }

/* ---------- light sections ---------- */
.wp-section { padding: clamp(3.6rem, 8vw, 6.5rem) 0; }
.wp-section.gray, .band { background: var(--field); }
.market-band { background-color: var(--field); background-image: var(--grid-light); background-size: 64px 64px; border-block: 1px solid var(--rule); }

/* program cards */
.programs, .prog-cards { border-top: 0 !important; gap: 20px; grid-template-columns: repeat(auto-fill, minmax(260px, 1fr)) !important; }
.programs li, .prog-cards li { border: 1px solid var(--rule) !important; border-radius: 12px; background: #fff; transition: border-color .15s, box-shadow .15s; }
.programs li:hover, .prog-cards li:hover { border-color: var(--ink) !important; box-shadow: var(--shadow); }
.programs a, .prog-cards a { padding: 1.6rem 1.6rem 1.7rem !important; gap: 0.6rem; }
.programs strong, .prog-cards strong, .wp .programs strong { color: var(--ink) !important; font-size: 1.25rem !important; font-weight: 740; font-stretch: 112%; }
.programs a::after, .prog-cards a::after { content: "Learn more →"; margin-top: auto; padding-top: 0.6rem; color: var(--go); font-weight: 650; font-size: 0.95rem; }
.programs span, .prog-cards span { color: var(--muted); line-height: 1.55; }
.product-list { border-top: 0; gap: 0; }
.product-list li { border-bottom: 1px solid var(--rule); }
.product-list a { padding: 1.3rem 0.8rem; flex-direction: row; flex-wrap: wrap; gap: 0.3rem 2rem; align-items: baseline; border-radius: 8px; }
.product-list a:hover { background: var(--field); }
.product-list strong { color: var(--ink); font-size: 1.2rem; flex: 0 0 260px; }
.product-list a::after { content: "→"; margin-left: auto; color: var(--go); font-weight: 700; }

/* stat trio, icons */
.stats3 { max-width: none; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 2rem; text-align: left; }
.stats3 li { text-align: left; border-top: 3px solid var(--ink) !important; border-left: 0 !important; padding: 1.6rem 0 0 !important; color: var(--ink); font-size: clamp(1.4rem, 1.1rem + 0.8vw, 1.75rem); }
.stats3 small { color: var(--muted); font-size: 1.02rem; margin-top: 0.7rem; }
.icons3, .icons4 { max-width: none; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; }
.icons3 li, .icons4 li { text-align: left; background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14); border-radius: 12px; padding: 1.6rem; font-size: 1.05rem; color: #fff; }
.icons4 li { background: #fff; border-color: var(--rule); color: var(--ink); font-weight: 650; }
.icons3 img, .icons4 img { display: none !important; }
.icons3 li::before, .icons4 li::before { content: ""; display: block; width: 28px; height: 3px; background: var(--mint); margin-bottom: 1rem; }
.icons4 li::before { background: var(--go); }

/* dots / ticks */
.dots li::before, .ticks li::before { border-color: var(--go) !important; }
.dots { font-size: 1.05rem; }
.dots li { padding-bottom: 0.9rem; border-bottom: 1px solid var(--rule); }

/* glance / terms card */
.glance { border: 1px solid var(--rule); border-top: 4px solid var(--ink); border-radius: 14px; background: #fff; box-shadow: var(--shadow); padding: 1.4rem 1.5rem 0.8rem; }
.glance h2 { font-size: 0.9rem !important; letter-spacing: 0.1em; text-transform: uppercase !important; color: var(--go) !important; }
.glance dd { font-size: 1.2rem; font-weight: 760; font-stretch: 112%; }
.hero .glance { align-self: center; }

/* uses grid */
.uses-grid { border-top: 0; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)) !important; }
.uses-grid > div { border: 1px solid var(--rule) !important; border-radius: 12px; padding: 1.6rem !important; background: #fff; }
.uses-grid h3, .wp .uses-grid h3 { color: var(--ink) !important; font-size: 1.2rem; margin-bottom: 0.5rem; }

/* steps */
.wp-steps li, .process li { border: 0 !important; border-top: 2px solid var(--ink) !important; border-radius: 0 !important; background: none !important; box-shadow: none !important; padding: 1.6rem 1.2rem 0 0 !important; }
.wp-steps li::before, .process li::before { content: counter(s, decimal-leading-zero) !important; font-size: 3.2rem !important; font-weight: 800; color: #d5dee6 !important; margin-bottom: 1rem; }
.process li::before { content: counter(step, decimal-leading-zero) !important; }
.wp-steps li:last-child::before { color: var(--go) !important; }
.wp-steps strong { font-size: 1.25rem !important; color: var(--ink) !important; }
.process { border-top: 0; gap: 2rem; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); }
.process li { display: block; }

/* tables */
.terms, .city-table { background: #fff; border: 1px solid var(--rule); border-radius: 14px; border-collapse: separate; border-spacing: 0; overflow: hidden; }
.terms th, .terms td, .city-table th, .city-table td { padding: 1rem 1.3rem; border-bottom: 1px solid var(--rule); }
.terms tr:last-child th, .terms tr:last-child td, .city-table tbody tr:last-child th, .city-table tbody tr:last-child td { border-bottom: 0; }
.terms th { color: var(--ink); width: 34%; }
.city-table thead th { background: var(--field); text-transform: uppercase; letter-spacing: 0.06em; font-size: 0.8rem; }
.city-table tbody tr:hover { background: var(--field); }

/* FAQ */
.faq details { border-bottom: 1px solid var(--rule); padding: 0.4rem 0; }
.faq summary { padding: 1rem 2.4rem 1rem 0; min-height: 44px; }
.faq summary h3 { font-size: 1.12rem; color: var(--ink); }
.faq summary::after { color: var(--go); font-size: 1.6rem; top: 0.75rem; }

/* chips */
.chip-row a { border: 1px solid #c9d3dc; border-radius: 999px; color: var(--ink); background: #fff; }
.chip-row a:hover { background: var(--ink); color: #fff; border-color: var(--ink); }
.chip-row a:last-child { background: var(--ink); color: #fff; border-color: var(--ink); }

/* image split */
.img-split img { border-radius: 16px; box-shadow: 0 40px 80px -40px rgba(11,37,64,.55); }

/* about icons */
.about-icons img { display: none; }
.about-icons { border-top: 3px solid var(--ink); padding-top: 1.4rem; counter-increment: pt; }
.points { counter-reset: pt; gap: 2.4rem; }
.about-icons::before { content: counter(pt, decimal-leading-zero); display: block; font-weight: 700; color: var(--muted); margin-bottom: 0.6rem; }
.about-icons h3 { font-size: 1.3rem; color: var(--ink); }

/* CTA band */
.cta-band .wrap { padding-top: clamp(3.4rem, 7vw, 5.2rem); padding-bottom: clamp(3.4rem, 7vw, 5.2rem); }
.cta-band .band-title { color: #fff; max-width: 24ch; margin-inline: auto; }
.cta-band .band-title::before { content: none; counter-increment: none; }
.compare-btn { background: #fff; color: var(--ink) !important; box-shadow: none; }
.compare-btn svg { stroke: var(--ink); }
.quote-row .q-text { color: #d3dde6; }
.quote-pill { background: var(--go); color: #fff !important; padding: 0.55rem 0.6rem 0.55rem 1.3rem; }
.q-ico { background: rgba(255,255,255,.18); box-shadow: none; }

/* author */
.wp-author { background: var(--field); border-top: 0; padding: clamp(3.4rem, 7vw, 5rem) 0; }
.wp-author .wrap { grid-template-columns: 200px 1fr; gap: 3rem; }
.wp-author .av, .author img { object-fit: cover; object-position: center 20%; }
.wp-author .av { width: 200px; height: 250px; border-radius: 16px; }
.wp-author h2 { color: var(--ink); font-size: clamp(1.7rem, 1.3rem + 1vw, 2.2rem); }
.wp-author ul.exp li { color: var(--text); }
@media (max-width: 760px) { .wp-author .av { width: 160px; height: 200px; } }
.author img { width: 72px; height: 72px; }

/* ---------- location pages ---------- */
.crumbs { position: relative; z-index: 1; }
.crumbs ol { margin-top: 1.6rem; }
.crumbs a { color: var(--muted); }
main > .hero { position: relative; isolation: isolate; padding-block: 2.6rem 4rem; }
main > .hero::before { content: ""; position: absolute; z-index: -1; top: -4.2rem; bottom: 0; left: 50%; width: 100vw; transform: translateX(-50%);
  background-color: var(--field); background-image: var(--grid-light); background-size: 64px 64px;
  -webkit-mask-image: linear-gradient(#000 70%, rgba(0,0,0,.92)); border-bottom: 1px solid var(--rule); }
main > .hero::after { content: ""; position: absolute; z-index: -1; width: 640px; height: 640px; right: -180px; top: -320px; border-radius: 50%; background: radial-gradient(closest-side, rgba(0,162,127,.14), rgba(0,162,127,0)); pointer-events: none; }
main > .hero:first-child::before { top: 0; }
main > .hero h1 { font-size: clamp(2.3rem, 1.3rem + 3.2vw, 4rem); font-weight: 800; font-stretch: 116%; letter-spacing: -0.025em; line-height: 1.04; max-width: 22ch; }
.lede { font-size: 1.2rem; color: var(--text); }
.market { padding-block: clamp(3.4rem, 7vw, 5.6rem); background-image: none; background-color: #fff; border: 0; }
.market + .market { border-top: 1px solid var(--rule); }
.market h2 { font-size: clamp(1.8rem, 1.2rem + 1.6vw, 2.6rem); font-weight: 760; letter-spacing: -0.015em; }
.metrics { border-radius: 14px; overflow: hidden; border-color: var(--rule); }
.metric { padding: 1.4rem 1.5rem 1.5rem; }
.metric dt { font-weight: 600; color: var(--muted); }
.metric .val { font-size: clamp(1.7rem, 1.3rem + 1vw, 2.35rem); font-weight: 800; color: var(--ink); }
.market-pulse { color: #fff; border: 0 !important; }
.market-pulse h2, .market-pulse .metric .val { color: #fff; }
.market-pulse p, .market-pulse .prose, .market-pulse li { color: #d3dde6; }
.market-pulse a { color: #fff; }
.market-pulse .small, .market-pulse .metric dt, .market-pulse .metric .note { color: #a9bacb; }
.market-pulse .metrics { background: rgba(255,255,255,.12); border: 1px solid rgba(255,255,255,.16); gap: 1px; box-shadow: 0 40px 80px -20px rgba(0,0,0,.55); }
.market-pulse .metric { background: rgba(13,40,69,.86); border: 0 !important; }
.market-pulse .metric .src { color: #a9bacb; border-color: rgba(255,255,255,.25); }
.market-grid .metrics, .market > .wrap > .metrics { background: #fff; }
.chart-fig { border-radius: 14px; }
.body-grid { padding-block: clamp(2.6rem, 6vw, 4.4rem) 3rem; }
.prose h2 { font-size: clamp(1.6rem, 1.2rem + 1vw, 2.1rem); }
.calc { border-radius: 16px; box-shadow: var(--shadow); padding: 0.4rem 1.6rem 1.4rem; }
.calc input { border-color: #b7c4cf; border-radius: 8px; min-height: 46px; }
.calc-out div { border-radius: 8px; }
.rail-card { border-radius: 16px; background: var(--navy); color: #fff; border: 0; box-shadow: 0 40px 80px -40px rgba(11,37,64,.55); top: 96px; }
.rail-card h2, .rail-card p { color: #fff; }
.rail-card .small { color: #b9c8d6; }
.rail-card .btn { background: #fff; color: var(--ink); border-color: #fff; display: block; text-align: center; }
.rail-card .btn-quiet { background: transparent; color: #fff; border: 1px solid #4a6580; }
.rail-links a { color: var(--ink); }
.dir-map { background-color: var(--field); }
.dir-stats { border-top: 2px solid var(--ink); }
.dir-stats dt { font-size: 2rem; font-weight: 800; }
.state-block { border-bottom: 1px solid var(--rule); }
.state-block h2 { font-size: 1.6rem; }
.dir-cities > li { background: #fff; border: 1px solid var(--rule); border-radius: 12px; padding: 1.1rem 1.2rem; }
.filter input { border-radius: 10px; min-height: 52px; border-color: #b7c4cf; }

/* ---------- forms ---------- */
.form fieldset { border: 0; border-top: 1px solid var(--rule); border-radius: 0; padding: 1.6rem 0 0; }
.form fieldset:first-of-type { border-top: 0; padding-top: 0; }
.form legend { font-size: 1.3rem; font-weight: 740; color: var(--ink); padding: 0 0 1rem; margin: 0; }
.field input, .field select, .field textarea { border: 1px solid #b7c4cf; border-radius: 8px; min-height: 48px; padding: 0.7rem 0.85rem; }
.field input:focus, .field select:focus, .field textarea:focus { outline: 2px solid var(--go); outline-offset: 1px; border-color: var(--go); }
.quote-grid { padding-top: 0; }
.quote-grid > .form { background: #fff; border: 1px solid var(--rule); border-radius: 18px; padding: clamp(1.4rem, 4vw, 2.6rem); box-shadow: 0 40px 80px -40px rgba(11,37,64,.45); }
.quote-grid .btn { width: 100%; padding: 1.05rem; font-size: 1.05rem; }
.quote-grid .rail { padding-top: 0 !important; }
.wp-section.gray:has(.quote-grid) { padding-top: 3rem; }

/* ---------- footer ---------- */
.brand-footer { background: var(--navy-3); color: #b9c8d6; }
.brand-footer .f-grid { padding-top: 4rem; padding-bottom: 3rem; }
.f-ico { background: rgba(255,255,255,.08) !important; box-shadow: inset 0 0 0 1px rgba(255,255,255,.14); }
.f-ico svg { fill: var(--mint) !important; }
.f-brand .f-disc { color: #a9bacb; }
.brand-footer .footer-base { border-top-color: #22384f; }
.brand-footer .footer-base p, .brand-footer .footer-base a { color: #a9bacb; }
.f-form h2 { font-size: 1.5rem; font-weight: 760; }
.f-form .field { color: #d3dde6; }
.f-form .field input, .f-form .field textarea { background: rgba(255,255,255,.04); border: 1px solid #3a5876; border-radius: 8px; color: #fff; }
.f-form .btn { background: var(--go); border-color: var(--go); color: #fff; }

/* ---------- new sections (homepage, product reviews, DSCR example) ---------- */
.home-why, .home-process, .home-reviews { padding: clamp(3.6rem, 8vw, 6.5rem) 0; }
.home-process { background: #fff; }
.home-reviews { background: var(--field); }
.sec-head { display: flex; flex-wrap: wrap; gap: 1rem 4rem; align-items: end; margin-bottom: 3rem; }
.sec-head h2 { margin: 0; flex: 1 1 420px; font-size: clamp(1.8rem, 1.2rem + 1.8vw, 2.7rem); font-weight: 760; font-stretch: 112%; letter-spacing: -0.015em; line-height: 1.08; }
.sec-head p { flex: 1 1 340px; margin: 0; font-size: 1.1rem; color: var(--muted); }
.steps3 { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 2.4rem; counter-reset: st; }
.steps3 li { counter-increment: st; }
.steps3 li::before { content: counter(st, decimal-leading-zero); display: block; font-size: 4rem; font-weight: 800; font-stretch: 116%; line-height: 1; color: #d5dee6; }
.steps3 h3 { font-size: 1.4rem; margin: 1.1rem 0 0.6rem; }
.steps3 p { margin: 0; color: var(--muted); font-size: 1.05rem; }
.reviews { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 20px; }
.review { margin: 0; background: #fff; border: 1px solid var(--rule); border-radius: 14px; padding: 2rem; display: flex; flex-direction: column; gap: 1.4rem; box-shadow: var(--shadow); }
.review::before { content: "\201C"; font-size: 4.5rem; line-height: 0.6; height: 1.6rem; font-weight: 800; color: var(--go); }
.review blockquote { margin: 0; font-size: 1.08rem; line-height: 1.6; color: var(--text); flex-grow: 1; }
.review figcaption { padding-top: 1.2rem; border-top: 1px solid var(--rule); }
.review figcaption strong { display: block; color: var(--ink); font-size: 1.05rem; }
.review figcaption span { color: var(--muted); font-size: 0.92rem; }
.review-band { padding: 0 0 clamp(3.6rem, 8vw, 6rem); }
.review-band.top { padding-top: clamp(3.6rem, 8vw, 6rem); }
.review-big { margin: 0; position: relative; isolation: isolate; overflow: hidden; background: var(--navy); color: #fff; border-radius: 18px; padding: clamp(2rem, 5vw, 3.6rem); display: flex; flex-wrap: wrap; gap: 1.4rem 3.4rem; align-items: center; }
.review-big::before { content: "\201C"; font-size: 8rem; line-height: 0.7; font-weight: 800; color: var(--mint); flex: none; }
.review-big::after { content: ""; position: absolute; inset: 0; z-index: -1; background-image: var(--grid-dark); background-size: 48px 48px; -webkit-mask-image: radial-gradient(ellipse 70% 100% at 100% 50%, #000 10%, transparent 80%); mask-image: radial-gradient(ellipse 70% 100% at 100% 50%, #000 10%, transparent 80%); }
.review-big > div { flex: 1 1 480px; min-width: 0; }
.review-big blockquote { margin: 0; font-size: clamp(1.25rem, 1rem + 0.8vw, 1.65rem); line-height: 1.45; font-weight: 600; color: #fff; }
.review-big figcaption { margin-top: 1.4rem; color: #b9c8d6; }
.review-big figcaption strong { color: #fff; margin-right: 0.8rem; }
.dscr-ex { background: #fff; border: 1px solid var(--rule); border-radius: 16px; padding: clamp(1.4rem, 4vw, 2.4rem); box-shadow: var(--shadow); }
.dscr-ex .lbl { font-size: 0.8rem; font-weight: 700; letter-spacing: 0.12em; color: var(--go); text-transform: uppercase; margin: 0 0 1.2rem; }
.dscr-eq { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 0.6rem 1rem; text-align: center; color: var(--ink); }
.dscr-eq small { display: block; font-size: 0.75rem; font-weight: 700; letter-spacing: 0.08em; color: var(--muted); text-transform: uppercase; }
.dscr-eq b { display: block; font-size: 2rem; font-weight: 800; font-stretch: 112%; margin-top: 0.2rem; }
.dscr-eq .op { font-size: 2rem; color: var(--muted); }
.dscr-eq .res { background: var(--navy); color: #fff; border-radius: 12px; padding: 0.7rem 1.2rem; }
.dscr-eq .res small { color: var(--mint); }
.dscr-scale { position: relative; height: 10px; border-radius: 5px; margin: 3.2rem 0 0.8rem; background: linear-gradient(90deg, #c8d2db 0 50%, var(--go) 50% 100%); }
.dscr-scale i { position: absolute; left: 50%; top: -6px; width: 2px; height: 22px; background: var(--ink); }
.dscr-scale b { position: absolute; left: 70%; top: -9px; width: 26px; height: 26px; margin-left: -13px; border-radius: 50%; background: #fff; border: 4px solid var(--ink); }
.dscr-scale b::after { content: "1.20"; position: absolute; top: -30px; left: 50%; transform: translateX(-50%); font-weight: 800; font-size: 0.85rem; color: var(--ink); }
.dscr-ticks { display: flex; justify-content: space-between; font-size: 0.85rem; color: var(--muted); }
.dscr-ex p { margin: 1.4rem 0 0; padding-top: 1.2rem; border-top: 1px solid var(--rule); color: var(--text); }

/* ---------- sticky phone bar ---------- */
.mbar { display: none; }
@media (max-width: 720px) {
  .mbar { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 50; gap: 10px; padding: 10px 12px calc(10px + env(safe-area-inset-bottom)); background: #fff; border-top: 1px solid var(--rule); box-shadow: 0 -8px 24px rgba(11,37,64,.12); }
  .mbar a { flex: 1; display: flex; align-items: center; justify-content: center; min-height: 48px; border-radius: 8px; font-weight: 700; text-decoration: none; }
  .mbar .mb-call { border: 1px solid var(--ink); color: var(--ink); }
  .mbar .mb-quote { background: var(--go); color: #fff; }
  body.has-mbar { padding-bottom: 76px; }
  .wp-author .wrap { grid-template-columns: 1fr; }
}
@media (max-width: 560px) {
  .product-list strong { flex-basis: 100%; }
  .product-list a::after { display: none; }
  .terms th, .terms td { padding: 0.8rem 0.9rem; }
}
@media print { .mbar { display: none !important; } }

/* text on dark sections */
.home-hero2 p, .wp-hero p, .navy-band p, .photo-band p, .cta-band p, .market-pulse p, .review-big p { color: #d3dde6; }
.review-big blockquote p { color: #fff; margin: 0; }
.review blockquote p { margin: 0; color: var(--text); }
@media (max-width: 560px) {
  .hh-stats { column-gap: 1.6rem; }
  .hh-stats dt { font-size: 1.35rem; white-space: normal; }
}

/* breathing room between the market figures and the text under them */
.market .metrics { margin-bottom: 2.4rem; }
.market .metrics + .prose, .market .metrics + p { margin-top: 0; }
.market-pulse .prose p:first-child { margin-top: 0; }

/* ---------- long location pages: topics as cards on a soft gray band ---------- */
.body-grid { position: relative; isolation: isolate; padding-block: clamp(2.6rem, 6vw, 4.4rem); }
.body-grid::before { content: ""; position: absolute; z-index: -1; top: 0; bottom: 0; left: 50%; width: 100vw; transform: translateX(-50%); background: var(--field); border-block: 1px solid var(--rule); }
.body-grid .prose { max-width: none; }
.chap { background: #fff; border: 1px solid var(--rule); border-radius: 16px; padding: clamp(1.4rem, 3.4vw, 2.4rem); margin-bottom: 20px; box-shadow: 0 18px 40px -34px rgba(11,37,64,.4); }
.chap > h2:first-child { margin-top: 0; }
.chap > h2:first-child::before { counter-increment: sec; content: counter(sec, decimal-leading-zero); display: block; margin-bottom: 0.6rem; font-size: 0.85rem; font-weight: 700; letter-spacing: 0.12em; color: var(--go); font-stretch: 100%; }
.chap > *:last-child { margin-bottom: 0; }
.chap .calc { box-shadow: none; border: 0; background: var(--field); margin-top: 1.6rem; }
.chap .calc input { background: #fff; }
.chap .calc-out div { background: #fff; }
.chap .uses-grid > div { background: var(--field); border: 0 !important; }
.chap .terms { box-shadow: none; }
.chap .steps { padding-left: 0; list-style: none; counter-reset: ls; display: grid; gap: 0.9rem; }
.chap .steps li { counter-increment: ls; position: relative; padding: 0.3rem 0 0 3.2rem; margin: 0; min-height: 2.2rem; }
.chap .steps li::before { content: counter(ls); position: absolute; left: 0; top: 0; width: 2.2rem; height: 2.2rem; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 700; display: grid; place-items: center; font-size: 0.95rem; }
.chap .faq details:last-child { border-bottom: 0; }
.body-grid .rail { padding-top: 0; }
.rail-links { background: #fff; border: 1px solid var(--rule); border-radius: 16px; padding: 0.4rem 1.4rem 1.2rem; }
.rail-links h2 { margin-top: 1.2rem; }
.rail-links li:first-child { border-top: 0; }
.sources { padding-top: 2.4rem; }

/* city pages: loans list on a gray band, as cards */
main > section.wrap:has(> .product-list) { position: relative; isolation: isolate; padding-block: clamp(3rem, 7vw, 5rem); }
main > section.wrap:has(> .product-list)::before { content: ""; position: absolute; z-index: -1; inset: 0 auto 0 50%; width: 100vw; transform: translateX(-50%); background: var(--field); border-top: 1px solid var(--rule); }
main > section.wrap > .product-list { gap: 14px; }
main > section.wrap > .product-list li { background: #fff; border: 1px solid var(--rule); border-radius: 12px; }
main > section.wrap > .product-list li:hover { border-color: var(--ink); box-shadow: var(--shadow); }
main > section.wrap > .product-list a:hover { background: none; }