/* FGC Mortgage — institutional editorial system */
:root {
  --bg: #fafaf7;
  --bg-2: #f3f1ea;
  --bg-3: #ebe7dc;
  --ink: #0e0e0c;
  --ink-2: #2a2a26;
  --ink-3: #5a5a52;
  --ink-4: #8a8a80;
  --rule: #d9d4c5;
  --rule-2: #e8e3d4;
  --navy: #0b1f3a;
  --navy-2: #15315a;
  --bronze: #a8896b;
  --accent: var(--navy);
  --accent-ink: #ffffff;
  --green: oklch(45% 0.08 150);
  --red: oklch(48% 0.12 25);
  --serif: "Source Serif 4", "Source Serif Pro", Georgia, serif;
  --sans: "Inter Tight", "Inter", "Helvetica Neue", Helvetica, Arial, sans-serif;
  --mono: "JetBrains Mono", ui-monospace, "SF Mono", Menlo, monospace;
  --maxw: 1320px;
  --pad-x: clamp(20px, 4vw, 56px);
}

* { box-sizing: border-box; }
html, body { margin: 0; padding: 0; }
body {
  font-family: var(--sans);
  background: var(--bg);
  color: var(--ink);
  font-size: 16px;
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  font-feature-settings: "ss01", "cv11";
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }

.container {
  max-width: var(--maxw);
  margin: 0 auto;
  padding-left: var(--pad-x);
  padding-right: var(--pad-x);
}

/* ——— Top utility bar ——— */
.utility {
  background: var(--navy);
  color: #d9d4c5;
  font-size: 12.5px;
  letter-spacing: 0.02em;
}
.utility .container {
  display: flex;
  align-items: center;
  justify-content: space-between;
  height: 36px;
}
.utility .u-left { display: flex; gap: 24px; align-items: center; }
.utility .u-right { display: flex; gap: 20px; align-items: center; }
.utility a:hover { color: #fff; }
.u-dot {
  width: 6px; height: 6px; border-radius: 50%;
  background: oklch(70% 0.12 150);
  display: inline-block; margin-right: 8px;
  box-shadow: 0 0 0 3px oklch(70% 0.12 150 / 0.18);
}

/* ——— Header ——— */
.header {
  background: var(--bg);
  border-bottom: 1px solid var(--rule);
  position: sticky;
  top: 0;
  z-index: 50;
  backdrop-filter: saturate(140%) blur(8px);
}
.header .container {
  display: flex;
  align-items: center;
  height: 76px;
  gap: 36px;
}
.brand {
  display: flex;
  align-items: center;
  gap: 12px;
  font-family: var(--serif);
  font-weight: 600;
  font-size: 22px;
  letter-spacing: -0.01em;
  color: var(--ink);
}
.brand-mark-svg {
  display: block;
  flex-shrink: 0;
}
.brand-mark {
  width: 36px; height: 36px;
  background: var(--navy);
  color: #fafaf7;
  display: grid; place-items: center;
  font-family: var(--serif);
  font-weight: 700;
  font-size: 16px;
  letter-spacing: 0.02em;
}
.brand small {
  font-family: var(--sans);
  font-size: 10.5px;
  font-weight: 500;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  display: block;
  line-height: 1;
}
.brand-text { line-height: 1.05; }

.nav {
  display: flex;
  gap: 28px;
  margin-left: 12px;
  flex: 1;
}
.nav a {
  font-size: 14.5px;
  font-weight: 500;
  color: var(--ink-2);
  padding: 8px 0;
  position: relative;
}
.nav a:hover { color: var(--ink); }
.nav a.has-menu::after {
  content: "";
  display: inline-block;
  width: 6px; height: 6px;
  border-right: 1.5px solid currentColor;
  border-bottom: 1.5px solid currentColor;
  transform: translateY(-2px) rotate(45deg);
  margin-left: 8px;
  opacity: 0.5;
}

.header-cta {
  display: flex;
  gap: 10px;
  align-items: center;
}

/* ——— Buttons ——— */
.btn {
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 500;
  letter-spacing: 0.01em;
  padding: 11px 20px;
  border: 1px solid transparent;
  cursor: pointer;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  background: transparent;
  color: var(--ink);
  transition: background 120ms ease, color 120ms ease, border-color 120ms ease;
}
.btn-primary {
  background: var(--navy);
  color: #fff;
  border-color: var(--navy);
}
.btn-primary:hover { background: #081830; }
.btn-ghost {
  border-color: var(--rule);
  background: var(--bg);
}
.btn-ghost:hover { border-color: var(--ink-2); }
.btn-link {
  padding: 0;
  border: 0;
  font-weight: 500;
  border-bottom: 1px solid currentColor;
  padding-bottom: 1px;
}
.btn .arr { transition: transform 200ms ease; }
.btn:hover .arr { transform: translateX(3px); }

/* ——— Hero ——— */
.hero {
  padding: clamp(48px, 7vw, 96px) 0 clamp(40px, 5vw, 64px);
  border-bottom: 1px solid var(--rule);
  position: relative;
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 1fr;
  gap: clamp(32px, 5vw, 80px);
  align-items: end;
}
.eyebrow {
  font-family: var(--mono);
  font-size: 11.5px;
  font-weight: 500;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
  display: flex;
  align-items: center;
  gap: 12px;
  margin-bottom: 28px;
}
.eyebrow::before {
  content: "";
  width: 32px; height: 1px; background: var(--ink-3);
  display: inline-block;
}
.hero h1 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(48px, 6.4vw, 92px);
  line-height: 0.98;
  letter-spacing: -0.025em;
  margin: 0 0 28px;
  color: var(--ink);
  text-wrap: balance;
}
.hero h1 em {
  font-style: italic;
  color: var(--navy);
}
.hero-lede {
  font-size: 18px;
  line-height: 1.5;
  color: var(--ink-2);
  max-width: 52ch;
  margin: 0 0 36px;
  text-wrap: pretty;
}
.hero-cta {
  display: flex;
  gap: 12px;
  flex-wrap: wrap;
}

.hero-side {
  border-left: 1px solid var(--rule);
  padding-left: clamp(20px, 3vw, 40px);
}
.hero-stats {
  display: grid;
  gap: 24px;
}
.stat {
  display: grid;
  gap: 4px;
  padding-bottom: 20px;
  border-bottom: 1px solid var(--rule-2);
}
.stat:last-child { border-bottom: 0; padding-bottom: 0; }
.stat .num {
  font-family: var(--serif);
  font-size: clamp(32px, 3.2vw, 44px);
  font-weight: 400;
  line-height: 1;
  letter-spacing: -0.02em;
  color: var(--ink);
}
.stat .num small {
  font-size: 0.55em;
  font-family: var(--sans);
  font-weight: 500;
  color: var(--ink-3);
  margin-left: 6px;
  letter-spacing: 0;
}
.stat .label {
  font-size: 12.5px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 500;
}

/* ——— Rate ticker ——— */
.ticker {
  background: var(--bg-2);
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  font-family: var(--mono);
  font-size: 13px;
  overflow: hidden;
}
.ticker .container {
  display: grid;
  grid-template-columns: auto 1fr auto;
  align-items: center;
  height: 52px;
  gap: 24px;
}
.ticker-label {
  display: flex;
  align-items: center;
  gap: 10px;
  color: var(--ink-2);
  letter-spacing: 0.1em;
  text-transform: uppercase;
  font-size: 11px;
  white-space: nowrap;
}
.ticker-label::before {
  content: "";
  width: 7px; height: 7px; border-radius: 50%;
  background: oklch(60% 0.18 150);
  box-shadow: 0 0 0 4px oklch(60% 0.18 150 / 0.15);
  animation: pulse 2.4s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { opacity: 1; }
  50% { opacity: 0.4; }
}
.ticker-track {
  display: flex;
  gap: 40px;
  overflow: hidden;
  mask-image: linear-gradient(to right, transparent, #000 5%, #000 95%, transparent);
}
.ticker-row {
  display: flex;
  gap: 40px;
  animation: marquee 40s linear infinite;
  flex-shrink: 0;
}
@keyframes marquee {
  to { transform: translateX(-50%); }
}
.ticker-item {
  display: inline-flex;
  align-items: baseline;
  gap: 10px;
  white-space: nowrap;
}
.ticker-item .t-name { color: var(--ink-3); letter-spacing: 0.06em; text-transform: uppercase; font-size: 11px; }
.ticker-item .t-rate { color: var(--ink); font-weight: 500; font-size: 14px; font-feature-settings: "tnum"; }
.ticker-item .t-delta { font-size: 11.5px; }
.ticker-item .t-delta.up { color: oklch(48% 0.12 25); }
.ticker-item .t-delta.dn { color: oklch(45% 0.12 150); }
.ticker-stamp {
  font-size: 10.5px;
  color: var(--ink-4);
  letter-spacing: 0.08em;
  text-transform: uppercase;
  white-space: nowrap;
}

/* ——— Section header ——— */
.section {
  padding: clamp(64px, 8vw, 120px) 0;
  border-bottom: 1px solid var(--rule);
}
.section.alt { background: var(--bg-2); }
.section.dark { background: var(--navy); color: #ece8db; border-bottom-color: #15315a; }
.section.dark .ink-3, .section.dark .text-muted { color: #a9b3c4; }

.section-head {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 48px;
  align-items: end;
  margin-bottom: clamp(40px, 5vw, 72px);
  padding-bottom: 24px;
  border-bottom: 1px solid var(--rule);
}
.section.dark .section-head { border-bottom-color: #1f3d6a; }
.section-num {
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--ink-3);
}
.section-head h2 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(34px, 4vw, 56px);
  line-height: 1.02;
  letter-spacing: -0.02em;
  margin: 12px 0 0;
  text-wrap: balance;
}
.section.dark .section-head h2 { color: #fafaf7; }
.section-head .lede {
  font-size: 17px;
  color: var(--ink-2);
  line-height: 1.55;
  max-width: 50ch;
  text-wrap: pretty;
}
.section.dark .section-head .lede { color: #c9cfdb; }

/* ——— Products grid ——— */
.products {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--rule);
}
.product {
  border-right: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
  padding: 32px;
  background: var(--bg);
  display: flex;
  flex-direction: column;
  gap: 14px;
  transition: background 200ms ease;
  cursor: pointer;
  position: relative;
}
.product:hover { background: var(--bg-2); }
.product:nth-child(3n) { border-right: 0; }
.product .p-num {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.12em;
  color: var(--ink-4);
}
.product h3 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 26px;
  letter-spacing: -0.015em;
  margin: 0;
  line-height: 1.1;
}
.product p {
  margin: 0;
  font-size: 14.5px;
  color: var(--ink-3);
  line-height: 1.5;
  flex: 1;
}
.product .p-meta {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px 24px;
  margin-top: 12px;
  padding-top: 16px;
  border-top: 1px solid var(--rule-2);
  font-size: 12.5px;
}
.product .p-meta dt {
  color: var(--ink-4);
  letter-spacing: 0.06em;
  text-transform: uppercase;
  font-size: 10.5px;
  margin-bottom: 2px;
}
.product .p-meta dd { margin: 0; color: var(--ink); font-family: var(--mono); font-size: 13px; }
.product .p-link {
  margin-top: 16px;
  font-size: 13px;
  font-weight: 500;
  color: var(--navy);
  display: inline-flex;
  gap: 6px;
  align-items: center;
}
.product .arr { transition: transform 200ms ease; }
.product:hover .arr { transform: translateX(4px); }

/* ——— Calculator ——— */
.calc-wrap {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  border: 1px solid var(--rule);
  background: var(--bg);
}
.calc-form {
  padding: 40px;
  border-right: 1px solid var(--rule);
}
.calc-form h3 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: 28px;
  margin: 0 0 28px;
  letter-spacing: -0.015em;
}
.field { margin-bottom: 24px; }
.field label {
  display: flex;
  justify-content: space-between;
  align-items: baseline;
  font-size: 13px;
  font-weight: 500;
  color: var(--ink-2);
  margin-bottom: 8px;
  letter-spacing: 0.02em;
}
.field label .v {
  font-family: var(--mono);
  font-size: 14px;
  color: var(--ink);
  font-weight: 500;
  font-feature-settings: "tnum";
}
.field input[type="range"] {
  width: 100%;
  -webkit-appearance: none;
  appearance: none;
  height: 2px;
  background: var(--rule);
  outline: none;
}
.field input[type="range"]::-webkit-slider-thumb {
  -webkit-appearance: none;
  appearance: none;
  width: 18px; height: 18px;
  background: var(--navy);
  cursor: pointer;
  border: 3px solid var(--bg);
  box-shadow: 0 0 0 1px var(--navy);
}
.field input[type="range"]::-moz-range-thumb {
  width: 18px; height: 18px;
  background: var(--navy);
  cursor: pointer;
  border: 3px solid var(--bg);
  box-shadow: 0 0 0 1px var(--navy);
}
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field-pills { display: flex; gap: 0; border: 1px solid var(--rule); }
.field-pills button {
  flex: 1;
  border: 0;
  background: transparent;
  padding: 10px;
  font-family: var(--mono);
  font-size: 12px;
  cursor: pointer;
  border-right: 1px solid var(--rule);
  color: var(--ink-2);
  transition: background 120ms ease;
}
.field-pills button:last-child { border-right: 0; }
.field-pills button.active { background: var(--navy); color: #fff; }
.field-pills button:not(.active):hover { background: var(--bg-2); }

.calc-out {
  padding: 40px;
  background: var(--bg-2);
  display: flex;
  flex-direction: column;
}
.calc-out .label {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--ink-3);
  margin-bottom: 8px;
}
.calc-out .big {
  font-family: var(--serif);
  font-size: clamp(56px, 7vw, 88px);
  font-weight: 400;
  letter-spacing: -0.025em;
  line-height: 1;
  color: var(--ink);
  font-feature-settings: "tnum";
  margin-bottom: 6px;
}
.calc-out .sub {
  font-size: 13px;
  color: var(--ink-3);
  margin-bottom: 32px;
}
.calc-breakdown {
  border-top: 1px solid var(--rule);
  margin-top: auto;
  padding-top: 24px;
}
.calc-breakdown dl {
  margin: 0;
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 8px 16px;
  font-size: 14px;
}
.calc-breakdown dt { color: var(--ink-3); }
.calc-breakdown dd {
  margin: 0;
  font-family: var(--mono);
  font-feature-settings: "tnum";
  text-align: right;
  color: var(--ink);
}
.calc-bar {
  height: 6px;
  margin-top: 20px;
  display: flex;
  background: var(--bg-3);
}
.calc-bar span { display: block; height: 100%; }
.calc-bar .b1 { background: var(--navy); }
.calc-bar .b2 { background: var(--bronze); }
.calc-bar .b3 { background: var(--ink-3); }
.calc-bar .b4 { background: var(--ink-4); }
.calc-legend {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px 20px;
  margin-top: 16px;
  font-size: 12px;
  color: var(--ink-3);
}
.calc-legend span::before {
  content: "";
  display: inline-block;
  width: 8px; height: 8px;
  margin-right: 8px;
  vertical-align: middle;
}
.calc-legend .l1::before { background: var(--navy); }
.calc-legend .l2::before { background: var(--bronze); }
.calc-legend .l3::before { background: var(--ink-3); }
.calc-legend .l4::before { background: var(--ink-4); }

/* ——— Process / steps ——— */
.steps {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 0;
  border-top: 1px solid var(--rule-2);
}
.section.dark .steps { border-top-color: #1f3d6a; }
.step {
  padding: 32px 28px 32px 0;
  border-right: 1px solid var(--rule-2);
  position: relative;
}
.section.dark .step { border-right-color: #1f3d6a; }
.step:last-child { border-right: 0; }
.step .s-num {
  font-family: var(--serif);
  font-size: 14px;
  font-style: italic;
  color: var(--bronze);
  margin-bottom: 28px;
  display: flex;
  align-items: center;
  gap: 10px;
}
.step .s-num::before { content: ""; width: 18px; height: 1px; background: var(--bronze); }
.step h4 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 22px;
  margin: 0 0 10px;
  letter-spacing: -0.01em;
}
.section.dark .step h4 { color: #fafaf7; }
.step p {
  margin: 0;
  font-size: 14px;
  color: var(--ink-3);
  line-height: 1.55;
}
.section.dark .step p { color: #c9cfdb; }
.step .duration {
  margin-top: 16px;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-4);
}
.section.dark .step .duration { color: #6e7a8c; }

/* ——— Imagery placeholders ——— */
.placeholder {
  background:
    repeating-linear-gradient(135deg,
      transparent 0, transparent 14px,
      rgba(11, 31, 58, 0.045) 14px, rgba(11, 31, 58, 0.045) 15px);
  background-color: var(--bg-2);
  border: 1px solid var(--rule);
  display: grid;
  place-items: center;
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--ink-4);
  text-align: center;
  padding: 16px;
  aspect-ratio: 4/3;
}
.placeholder.tall { aspect-ratio: 3/4; }
.placeholder.wide { aspect-ratio: 16/7; }
.placeholder.square { aspect-ratio: 1/1; }

/* ——— Trust / logos ——— */
.trust-row {
  display: grid;
  grid-template-columns: repeat(6, 1fr);
  gap: 0;
  border-top: 1px solid var(--rule);
  border-bottom: 1px solid var(--rule);
}
.trust-cell {
  padding: 28px 16px;
  text-align: center;
  border-right: 1px solid var(--rule);
  font-family: var(--serif);
  font-style: italic;
  font-size: 18px;
  color: var(--ink-3);
  letter-spacing: -0.01em;
}
.trust-cell:last-child { border-right: 0; }

/* ——— Resources / insights cards ——— */
.insights {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.insight {
  display: flex;
  flex-direction: column;
  gap: 16px;
  cursor: pointer;
}
.insight .placeholder { aspect-ratio: 5/3.6; }
.insight .i-tag {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--bronze);
}
.insight h4 {
  font-family: var(--serif);
  font-weight: 500;
  font-size: 22px;
  margin: 0;
  letter-spacing: -0.01em;
  line-height: 1.2;
}
.insight p {
  margin: 0;
  font-size: 14px;
  color: var(--ink-3);
  line-height: 1.5;
}
.insight .i-meta {
  font-family: var(--mono);
  font-size: 11.5px;
  color: var(--ink-4);
  letter-spacing: 0.04em;
}
.insight:hover h4 { color: var(--navy); }

/* ——— Footer ——— */
.footer {
  background: var(--ink);
  color: #c9c5b6;
  padding: 80px 0 40px;
  font-size: 14px;
}
.footer .container {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr 1fr 1fr;
  gap: 48px;
}
.footer h5 {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: #8a8676;
  margin: 0 0 20px;
  font-weight: 500;
}
.footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 12px; }
.footer a:hover { color: #fff; }
.footer-brand p { color: #8a8676; max-width: 36ch; line-height: 1.6; margin-top: 16px; }
.footer-bottom {
  border-top: 1px solid #2a2a26;
  margin-top: 64px;
  padding-top: 32px;
  display: flex;
  justify-content: space-between;
  font-size: 11.5px;
  color: #6a6658;
  letter-spacing: 0.04em;
  flex-wrap: wrap;
  gap: 16px;
}
.footer-legal {
  font-size: 11px;
  color: #6a6658;
  line-height: 1.7;
  max-width: 100%;
  margin-top: 32px;
  padding-top: 24px;
  border-top: 1px solid #2a2a26;
}

/* ——— Quote / pull ——— */
.pull {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(28px, 3.4vw, 44px);
  line-height: 1.18;
  letter-spacing: -0.015em;
  text-wrap: balance;
}

/* ——— Tabs (drilldown) ——— */
.tabs {
  display: flex;
  border-bottom: 1px solid var(--rule);
  gap: 0;
  margin-bottom: 32px;
}
.tabs button {
  background: transparent;
  border: 0;
  border-bottom: 2px solid transparent;
  padding: 14px 20px;
  font-family: var(--sans);
  font-size: 14px;
  font-weight: 500;
  cursor: pointer;
  color: var(--ink-3);
  margin-bottom: -1px;
}
.tabs button.active {
  color: var(--ink);
  border-bottom-color: var(--navy);
}
.tabs button:hover:not(.active) { color: var(--ink-2); }

/* ——— Breadcrumbs ——— */
.crumb {
  font-family: var(--mono);
  font-size: 11.5px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--ink-3);
  padding: 24px 0 0;
  display: flex;
  gap: 10px;
  align-items: center;
}
.crumb a:hover { color: var(--ink); }
.crumb .sep { color: var(--ink-4); }

/* ——— Tables ——— */
.tbl {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
.tbl th, .tbl td {
  text-align: left;
  padding: 16px 20px;
  border-bottom: 1px solid var(--rule-2);
  vertical-align: top;
}
.tbl th {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-3);
  font-weight: 500;
  background: var(--bg-2);
  border-bottom-color: var(--rule);
}
.tbl td.num {
  font-family: var(--mono);
  font-feature-settings: "tnum";
  text-align: right;
}
.tbl tr:hover td { background: rgba(11, 31, 58, 0.025); }

/* ——— Map / locations grid ——— */
.locations {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 1px;
  background: var(--rule);
  border: 1px solid var(--rule);
}
.loc {
  padding: 24px;
  background: var(--bg);
}
.loc h5 {
  font-family: var(--serif);
  font-size: 18px;
  font-weight: 500;
  margin: 0 0 4px;
  letter-spacing: -0.01em;
}
.loc p {
  margin: 0;
  font-size: 13px;
  color: var(--ink-3);
  line-height: 1.55;
}
.loc .lic {
  margin-top: 12px;
  padding-top: 10px;
  border-top: 1px solid var(--rule-2);
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 0.06em;
  color: var(--ink-4);
}

/* ——— Misc ——— */
.text-mono { font-family: var(--mono); }
.text-serif { font-family: var(--serif); }
.text-muted { color: var(--ink-3); }
.divider { height: 1px; background: var(--rule); margin: 32px 0; }
.kicker {
  display: inline-block;
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--bronze);
  padding: 4px 8px;
  border: 1px solid var(--bronze);
}
.tag {
  display: inline-block;
  font-family: var(--mono);
  font-size: 10.5px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--ink-3);
  padding: 4px 8px;
  border: 1px solid var(--rule);
  background: var(--bg);
}

/* ——— Page hero (drill-down pages) ——— */
.page-hero {
  padding: 56px 0 64px;
  border-bottom: 1px solid var(--rule);
}
.page-hero h1 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: clamp(40px, 5vw, 72px);
  letter-spacing: -0.025em;
  line-height: 1;
  margin: 16px 0 20px;
  text-wrap: balance;
}
.page-hero .lede {
  font-size: 18px;
  color: var(--ink-2);
  max-width: 60ch;
  line-height: 1.5;
  text-wrap: pretty;
}

/* ——— Two-col content ——— */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: clamp(32px, 5vw, 80px);
  align-items: start;
}

/* ——— Responsive ——— */
@media (max-width: 1080px) {
  .hero-grid, .calc-wrap, .split { grid-template-columns: 1fr; }
  .hero-side { border-left: 0; padding-left: 0; border-top: 1px solid var(--rule); padding-top: 32px; }
  .calc-form { border-right: 0; border-bottom: 1px solid var(--rule); }
  .products, .insights, .steps { grid-template-columns: repeat(2, 1fr); }
  .product:nth-child(3n) { border-right: 1px solid var(--rule); }
  .product:nth-child(2n) { border-right: 0; }
  .footer .container { grid-template-columns: repeat(2, 1fr); }
  .trust-row { grid-template-columns: repeat(3, 1fr); }
  .locations { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 720px) {
  .nav { display: none; }
  .header .container { gap: 12px; }
  .hero h1 { font-size: 44px; }
  .products, .insights, .steps { grid-template-columns: 1fr; }
  .product { border-right: 0 !important; }
  .step { border-right: 0; }
  .section-head { grid-template-columns: 1fr; gap: 24px; }
  .trust-row { grid-template-columns: repeat(2, 1fr); }
  .locations { grid-template-columns: 1fr; }
  .footer .container { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
  .utility .u-left .u-extra { display: none; }
}