/* Med Pro Mortgages: homepage mockup
   Palette sampled from brand board; greens only, no blue. */
:root{
  --forest-950:#072619;
  --forest-900:#0A2E20;
  --forest:#0F3B2A;
  --forest-700:#155038;
  --green:#1F7A4C;
  --green-600:#196B42;
  --green-bright:#3FAE6E;
  --mint:#E7F1EA;
  --mint-2:#D4E7DB;
  --off:#F4F3F1;          /* board off-white */
  --paper:#FBFAF8;
  --white:#FFFFFF;
  --ink:#13211A;
  --body:#3D4C45;
  --muted:#66766E;
  --line:#E3E5DF;
  --radius:18px;
  --radius-sm:12px;
  --shadow-sm:0 1px 2px rgba(15,59,42,.06),0 2px 8px rgba(15,59,42,.05);
  --shadow:0 2px 6px rgba(15,59,42,.05),0 18px 40px -12px rgba(15,59,42,.16);
  --shadow-lg:0 30px 70px -20px rgba(7,38,25,.30);
  --font-head:"Montserrat",system-ui,-apple-system,"Segoe UI",sans-serif;
  --font-body:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif;
  --container:1200px;
}
*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth;scroll-padding-top:92px}
body{margin:0;font-family:var(--font-body);font-size:16.5px;line-height:1.65;color:var(--body);background:var(--paper);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--green);text-decoration:none}
a:hover{color:var(--forest)}
h1,h2,h3,h4{font-family:var(--font-head);color:var(--forest);line-height:1.15;margin:0 0 .5em;letter-spacing:-.01em}
h2{font-size:clamp(1.85rem,1.2rem + 2vw,2.6rem);font-weight:700}
h3{font-size:1.12rem;font-weight:700}
p{margin:0 0 1em}
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 28px}
.skip{position:absolute;left:-999px;top:8px;background:var(--forest);color:#fff;padding:8px 14px;border-radius:8px;z-index:100}
.skip:focus{left:8px}

/* icons */
.ic{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;flex:none}
.ic--sm{width:16px;height:16px}
.ic--lg{width:40px;height:40px;stroke-width:1.3}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;font-family:var(--font-head);font-weight:600;font-size:.95rem;letter-spacing:.01em;border-radius:999px;padding:13px 24px;border:1.5px solid transparent;cursor:pointer;transition:all .2s ease;white-space:nowrap;line-height:1.2}
.btn .ic{width:18px;height:18px;stroke-width:2}
.btn--primary{background:var(--forest);color:#fff}
.btn--primary:hover{background:var(--green);color:#fff;transform:translateY(-1px);box-shadow:0 10px 24px -10px rgba(31,122,76,.6)}
.btn--ghost{background:transparent;color:var(--forest);border-color:rgba(15,59,42,.25)}
.btn--ghost:hover{border-color:var(--forest);background:var(--white);color:var(--forest)}
.btn--light{background:var(--off);color:var(--forest)}
.btn--light:hover{background:#fff;color:var(--forest);transform:translateY(-1px)}
.btn--text{background:none;color:var(--muted);padding-left:4px;padding-right:4px}
.btn--text:hover{color:var(--forest)}
.btn--sm{padding:10px 20px;font-size:.88rem}
.btn--lg{padding:16px 28px;font-size:1rem}

/* utility + header */
.utility{background:var(--forest-950);color:#C9DCCF;font-size:.82rem}
.utility__inner{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:38px}
.utility p{margin:0;display:flex;align-items:center;gap:8px}
.utility p .ic{color:var(--green-bright)}
.utility .u-short{display:none}
.utility a{color:#fff;display:flex;align-items:center;gap:6px;font-weight:500}
.header{position:sticky;top:0;z-index:50;background:rgba(251,250,248,.88);backdrop-filter:saturate(160%) blur(14px);-webkit-backdrop-filter:saturate(160%) blur(14px);border-bottom:1px solid transparent;transition:border-color .2s, box-shadow .2s}
.header.is-scrolled{border-bottom-color:var(--line);box-shadow:0 6px 24px -18px rgba(15,59,42,.4)}
.header__inner{display:flex;align-items:center;justify-content:space-between;height:80px}
.brand img{height:54px;width:auto}
.nav{display:flex;align-items:center;gap:30px}
.nav a{font-family:var(--font-head);font-weight:600;font-size:.9rem;color:var(--forest);position:relative}
.nav a:not(.btn)::after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;background:var(--green);transform:scaleX(0);transition:transform .2s;transform-origin:left}
.nav a:not(.btn):hover::after{transform:scaleX(1)}
.nav__cta{margin-left:6px;color:#fff!important}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:12px;width:46px;height:46px;align-items:center;justify-content:center;color:var(--forest);cursor:pointer}

/* hero */
.hero{background:var(--off);position:relative;overflow:hidden}
.hero__grid{display:grid;grid-template-columns:1.12fr .88fr;align-items:center;gap:40px;padding-top:40px;padding-bottom:44px;min-height:600px}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-family:var(--font-head);font-weight:600;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;color:var(--green);background:var(--white);border:1px solid var(--mint-2);padding:8px 14px;border-radius:999px;margin-bottom:20px}
.dot{width:7px;height:7px;border-radius:50%;background:var(--green-bright);box-shadow:0 0 0 4px rgba(63,174,110,.18);display:inline-block}
.hero__title{font-size:clamp(2.3rem,1.2rem + 2.9vw,3.55rem);font-weight:800;text-transform:uppercase;letter-spacing:-.005em;line-height:1.04;margin-bottom:18px}
.hero__title .accent{color:var(--green)}
@media (min-width:981px){.hero__title .nw{white-space:nowrap}}
.rule{display:block;width:64px;height:3px;background:var(--green);border-radius:2px;margin-bottom:18px}
.hero__sub{font-size:1.08rem;color:var(--body);max-width:540px;margin-bottom:22px}
.hero__actions{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:28px}
.hero__ticks{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:10px 26px;font-size:.92rem;font-weight:500;color:var(--forest)}
.hero__ticks li{display:flex;align-items:center;gap:8px}
.hero__ticks .ic{width:18px;height:18px;color:var(--green);stroke-width:2.2}
.hero__media{position:relative;justify-self:end;width:114%;max-width:640px;margin-right:-4%}
.hero__img{width:100%;height:auto;position:relative;z-index:1}
.hero__shape{position:absolute;right:-6%;top:6%;width:42%;aspect-ratio:1;border:1.5px solid rgba(31,122,76,.25);border-radius:50%}
.float-card{position:absolute;z-index:2;display:flex;align-items:center;gap:12px;background:rgba(255,255,255,.96);border:1px solid var(--line);border-radius:16px;padding:12px 18px 12px 12px;box-shadow:var(--shadow)}
.float-card strong{display:block;font-family:var(--font-head);color:var(--forest);font-size:.92rem;line-height:1.25}
.float-card small{display:block;color:var(--muted);font-size:.78rem}
.float-card__icon{width:40px;height:40px;border-radius:12px;background:var(--mint);color:var(--green);display:grid;place-items:center}
.float-card--a{left:-4%;bottom:16%}
.float-card--b{right:-2%;top:12%}

/* hero quick-contact */
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
.quick{padding:20px 22px;box-shadow:var(--shadow);max-width:580px;margin-bottom:22px;border-color:#E6E8E2;position:relative;overflow:hidden}
.quick::before{content:"";position:absolute;inset:0 0 auto 0;height:4px;background:linear-gradient(90deg,var(--forest),var(--green),var(--green-bright))}
.quick__title{display:flex;align-items:center;gap:8px;font-family:var(--font-head);font-weight:700;color:var(--forest);font-size:.95rem;margin:2px 0 14px}
.quick__title .ic{color:var(--green);width:20px;height:20px}
.quick__row{display:flex;gap:10px}
.quick__row .qf{flex:1}
.qf input{width:100%;height:52px;border:1.5px solid var(--line);border-radius:10px;padding:0 16px;font:inherit;font-size:.98rem;color:var(--ink);background:var(--paper);transition:border-color .15s, box-shadow .15s}
.qf input:focus{outline:none;border-color:var(--green);background:#fff;box-shadow:0 0 0 4px rgba(63,174,110,.15)}
.qf .is-invalid{border-color:#B4462F}
.quick__row .btn{height:52px;padding:0 26px}
.quick__note{font-size:.74rem;line-height:1.5;color:var(--muted);margin:10px 0 0}
.quick .form-error{margin-top:10px;font-size:.84rem}
.quick__thanks{display:flex;gap:14px;align-items:flex-start;animation:fadeUp .35s ease;padding:4px 0}
.quick__thanks strong{font-family:var(--font-head);color:var(--forest);display:block;margin-bottom:4px}
.quick__thanks p{margin:0;font-size:.93rem}
.quick__thanks a{font-weight:600}
.quick__badge{width:42px;height:42px;border-radius:50%;background:var(--mint);color:var(--green);display:grid;place-items:center;flex:none}
.quick__badge .ic{stroke-width:2.4}
.hero__link{display:inline-flex;align-items:center;gap:6px;font-weight:600;color:var(--forest)}
.hero__link .ic{width:16px!important;height:16px!important;color:var(--green)}
.btn.is-loading{opacity:.75;pointer-events:none}

/* trust strip */
.trust{background:var(--forest);color:#DDE9E1}
.trust__inner{display:grid;grid-template-columns:repeat(3,1fr)}
.trust__item{display:flex;align-items:center;gap:16px;padding:26px 28px;justify-content:center}
.trust__item + .trust__item{border-left:1px solid rgba(255,255,255,.12)}
.trust__item .ic{width:30px;height:30px;color:var(--green-bright);stroke-width:1.5}
.trust__item strong{display:block;font-family:var(--font-head);text-transform:uppercase;letter-spacing:.1em;font-size:.86rem;color:#fff}
.trust__item span{font-size:.86rem;color:#A9C4B3}

/* sections */
.section{padding:110px 0}
.kicker{font-family:var(--font-head);font-weight:700;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:var(--green);margin-bottom:14px;display:flex;align-items:center;gap:12px}
.kicker::before{content:"";width:26px;height:2px;background:currentColor;display:inline-block}
.center .kicker{justify-content:center}
.lead{font-size:1.1rem;color:var(--body)}
.section-head{margin-bottom:56px;max-width:720px}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto;max-width:820px}
.split-head{max-width:none;display:flex;justify-content:space-between;align-items:flex-end;gap:40px}
.split-head > div{max-width:640px}
.split-head .lead{margin-bottom:0}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.tag{display:inline-block;font-family:var(--font-head);font-weight:600;font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:var(--green);background:var(--mint);padding:5px 10px;border-radius:999px}
.checklist{list-style:none;padding:0;margin:0 0 28px;display:grid;gap:18px}
.checklist li{display:flex;gap:14px;align-items:flex-start}
.checklist .ic{width:26px;height:26px;padding:5px;border-radius:50%;background:var(--mint);color:var(--green);stroke-width:2.4;margin-top:1px}
.checklist strong{color:var(--forest)}
.checklist--sm{gap:10px;text-align:left;margin:20px 0 26px;font-size:.93rem}

/* match / quiz */
.match{background:var(--paper)}
.match__grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:72px;align-items:start}
.match__intro{position:sticky;top:120px}
.match__note{display:flex;gap:10px;align-items:center;font-size:.88rem;color:var(--muted);padding:14px 16px;border-radius:var(--radius-sm);background:var(--off)}
.match__note .ic{color:var(--green);width:18px;height:18px}
.quiz{padding:36px;box-shadow:var(--shadow);position:relative;overflow:hidden}
.quiz::before{content:"";position:absolute;inset:0 0 auto 0;height:5px;background:linear-gradient(90deg,var(--forest),var(--green),var(--green-bright))}
.quiz__meta{display:flex;justify-content:space-between;font-family:var(--font-head);font-size:.8rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin-bottom:10px}
.quiz__meta #stepName{color:var(--green)}
.progress{height:6px;border-radius:99px;background:var(--mint);overflow:hidden;margin-bottom:30px}
.progress span{display:block;height:100%;background:var(--green);border-radius:99px;transition:width .35s ease}
.step{border:0;padding:0;margin:0;min-width:0;display:none}
.step.is-active{display:block;animation:fadeUp .35s ease}
@keyframes fadeUp{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.step legend{font-family:var(--font-head);font-weight:700;font-size:1.4rem;color:var(--forest);margin-bottom:22px;padding:0}
.tiles{display:grid;gap:12px;margin-bottom:22px}
.tiles--2{grid-template-columns:repeat(2,1fr)}
.tiles--3{grid-template-columns:repeat(3,1fr)}
.tile{position:relative;cursor:pointer}
.tile--wide{grid-column:1/-1}
.tile input{position:absolute;opacity:0;pointer-events:none}
.tile span{display:flex;align-items:center;gap:12px;min-height:56px;padding:14px 18px;border:1.5px solid var(--line);border-radius:var(--radius-sm);font-weight:500;color:var(--ink);background:var(--white);transition:all .15s;font-size:.96rem;line-height:1.3}
.tile span::before{content:"";width:18px;height:18px;border-radius:50%;border:1.5px solid #B9C4BD;flex:none;transition:all .15s}
.tile--icon span::before{display:none}
.tile--icon .ic{color:var(--green)}
.tile:hover span{border-color:var(--green-bright);background:#FAFDFB}
.tile input:checked + span{border-color:var(--green);background:var(--mint);color:var(--forest);font-weight:600}
.tile input:checked + span::before{border-color:var(--green);background:var(--green);box-shadow:inset 0 0 0 3.5px #fff}
.tile input:focus-visible + span{outline:3px solid rgba(63,174,110,.45);outline-offset:2px}
.field{display:block;margin-bottom:18px}
.field__label{display:block;font-family:var(--font-head);font-size:.78rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--forest);margin-bottom:8px}
.field input,.field select{width:100%;height:54px;border:1.5px solid var(--line);border-radius:var(--radius-sm);padding:0 16px;font:inherit;color:var(--ink);background:var(--white);transition:border-color .15s, box-shadow .15s;appearance:none;-webkit-appearance:none}
.field select{background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%231F7A4C' stroke-width='2' stroke-linecap='round'%3E%3Cpath d='m6 9 6 6 6-6'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 14px center;background-size:20px;padding-right:44px}
.field input:focus,.field select:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 4px rgba(63,174,110,.15)}
.field input.is-invalid,.field select.is-invalid{border-color:#B4462F}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:.8rem;line-height:1.55;color:var(--muted);background:var(--off);border-radius:var(--radius-sm);padding:14px 16px;cursor:pointer}
.consent input{width:18px;height:18px;margin-top:2px;accent-color:var(--green);flex:none}
.consent.is-invalid{outline:1.5px solid #B4462F}
.form-error{color:#9A3B27;font-size:.88rem;font-weight:500;margin:14px 0 0}
.quiz__nav{display:flex;justify-content:space-between;align-items:center;margin-top:26px;padding-top:22px;border-top:1px solid var(--line)}
.quiz__nav #nextBtn,.quiz__nav #submitBtn{margin-left:auto}
.thanks{text-align:center;padding:18px 6px 6px;animation:fadeUp .4s ease}
.thanks__badge{width:72px;height:72px;margin:0 auto 20px;border-radius:50%;background:var(--mint);display:grid;place-items:center;color:var(--green)}
.thanks__badge .ic{width:34px;height:34px;stroke-width:2.2}
.thanks h3{font-size:1.6rem}

/* explainer */
.explainer{background:var(--white)}
.split{display:grid;grid-template-columns:1fr 1.05fr;gap:72px;align-items:center;margin-bottom:72px}
.link-arrow{display:inline-flex;gap:8px;align-items:center;font-family:var(--font-head);font-weight:600}
.link-arrow .ic{width:18px;height:18px;transition:transform .2s}
.link-arrow:hover .ic{transform:translateX(3px)}
.benefits{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.benefit{padding:28px;border-radius:var(--radius);background:var(--off);border:1px solid transparent;transition:all .2s}
.benefit:hover{background:var(--white);border-color:var(--line);box-shadow:var(--shadow)}
.benefit__icon{width:50px;height:50px;border-radius:14px;background:var(--forest);color:#fff;display:grid;place-items:center;margin-bottom:18px}
.benefit__icon .ic{width:24px;height:24px}
.benefit p{font-size:.93rem;margin:0;color:var(--body)}
.compare{padding:36px}
.compare__head{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-bottom:18px}
.compare__head h3{font-size:1.3rem;margin:0}
.table-wrap{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:.95rem}
th,td{text-align:left;padding:16px 18px;border-bottom:1px solid var(--line);vertical-align:top}
thead th{font-family:var(--font-head);font-size:.76rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);font-weight:600}
thead th:nth-child(2){color:var(--green)}
tbody th{font-weight:600;color:var(--forest);width:28%}
tbody td:nth-child(2){background:rgba(231,241,234,.55);color:var(--forest);font-weight:500}
td .ok{color:var(--green);stroke-width:2.4;vertical-align:-3px;margin-right:4px}
.fineprint{font-size:.8rem;color:var(--muted);margin:18px 0 0}

/* icon grid */
.icons-sec{background:var(--off)}
.icon-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.icon-item{background:var(--paper);padding:36px 26px;text-align:center;transition:background .2s}
.icon-item:hover{background:var(--white)}
.icon-item .ic{color:var(--forest);margin:0 auto 16px;width:44px;height:44px;stroke-width:1.25}
.icon-item:hover .ic{color:var(--green)}
.icon-item h3{font-size:.84rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:6px}
.icon-item p{font-size:.88rem;color:var(--muted);margin:0}

/* lenders */
.lenders{background:var(--white)}
.search{display:flex;align-items:center;gap:10px;border:1.5px solid var(--line);border-radius:999px;padding:0 18px;height:52px;min-width:300px;background:var(--paper);color:var(--muted)}
.search:focus-within{border-color:var(--green)}
.search input{border:0;background:transparent;font:inherit;outline:none;width:100%;color:var(--ink)}
.state-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:10px;margin-bottom:28px}
.state-btn{display:flex;align-items:center;gap:10px;padding:11px 14px;border:1px solid var(--line);border-radius:12px;background:var(--paper);font:inherit;font-size:.9rem;color:var(--ink);cursor:pointer;text-align:left;transition:all .15s}
.state-btn abbr{font-family:var(--font-head);font-weight:700;font-size:.72rem;color:var(--green);background:var(--mint);border-radius:6px;padding:4px 0;width:32px;text-align:center;text-decoration:none;flex:none}
.state-btn:hover{border-color:var(--green-bright);background:var(--white);transform:translateY(-1px)}
.state-btn.is-active{background:var(--forest);border-color:var(--forest);color:#fff}
.state-btn.is-active abbr{background:var(--green-bright);color:var(--forest-950)}
.state-btn[hidden]{display:none}
.state-panel{display:grid;grid-template-columns:auto 1fr auto;gap:24px;align-items:center;padding:26px 30px;background:linear-gradient(120deg,var(--mint),#F3F8F4);border-color:var(--mint-2)}
.state-panel__icon{width:64px;height:64px;border-radius:18px;background:var(--white);display:grid;place-items:center;color:var(--green)}
.state-panel__icon .ic{width:32px;height:32px}
.state-panel h3{font-size:1.25rem;margin-bottom:4px}
.state-panel p{margin:0;font-size:.95rem}
.state-panel__cta{display:flex;flex-direction:column;align-items:flex-end;gap:12px}
.badge{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-head);font-weight:600;font-size:.74rem;letter-spacing:.06em;text-transform:uppercase;padding:6px 12px;border-radius:999px}
.badge--soon{background:var(--white);color:var(--green);border:1px solid var(--mint-2)}

.states-count{display:inline-flex;align-items:baseline;gap:8px;font-family:var(--font-head);font-weight:600;color:var(--forest);background:var(--mint);border:1px solid var(--mint-2);border-radius:999px;padding:10px 20px;white-space:nowrap}
.states-count strong{font-size:1.5rem;color:var(--green);line-height:1}
.state-panel p a{font-weight:600}
.lenders h2{text-wrap:balance}
@media (max-width:980px){.state-grid{grid-template-columns:repeat(3,1fr)}}
/* quiz: state not listed */
.notlisted{background:var(--mint);border:1px solid var(--mint-2);border-radius:var(--radius-sm);padding:16px 16px 14px;margin:-4px 0 18px;animation:fadeUp .3s ease}
.notlisted__msg{display:flex;gap:10px;align-items:flex-start;margin:0 0 12px;font-size:.95rem;color:var(--forest)}
.notlisted__msg .ic{color:var(--green);margin-top:1px}
.notlisted__row{display:flex;gap:10px}
.notlisted__row .field{flex:1;margin:0}
.notlisted__row .btn{height:54px}
.notlisted .quick__note{margin-top:8px}

/* how it works */
.how{background:var(--forest);color:#C8DACE;position:relative;overflow:hidden}
.how::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;border-radius:50%;border:1.5px solid rgba(63,174,110,.22);box-shadow:0 0 0 60px rgba(63,174,110,.04)}
.how h2{color:#fff}
.kicker--light{color:var(--green-bright)}
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;position:relative;z-index:1}
.step-card{position:relative;padding:36px 32px;border-radius:var(--radius);background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.1)}
.step-card__num{position:absolute;top:26px;right:28px;font-family:var(--font-head);font-weight:800;font-size:2.4rem;color:rgba(63,174,110,.28);line-height:1}
.step-card .ic{color:var(--green-bright);margin-bottom:22px}
.step-card h3{color:#fff;font-size:1.2rem}
.step-card p{margin:0;font-size:.95rem}

/* guides */
.guides{background:var(--paper)}
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.guide{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:transform .2s, box-shadow .2s}
.guide:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.guide__art{height:170px;display:grid;place-items:center;position:relative;overflow:hidden}
.guide__art .ic{width:56px;height:56px;stroke-width:1.1;color:#fff;position:relative;z-index:1}
.guide__art::before,.guide__art::after{content:"";position:absolute;border-radius:50%;border:1.5px solid rgba(255,255,255,.18)}
.guide__art::before{width:220px;height:220px;right:-60px;top:-90px}
.guide__art::after{width:140px;height:140px;left:-40px;bottom:-70px;background:rgba(255,255,255,.05)}
.art-1{background:linear-gradient(135deg,var(--forest),var(--green))}
.art-2{background:linear-gradient(135deg,#1A5A3C,#2E8B57)}
.art-3{background:linear-gradient(135deg,var(--forest-950),var(--forest-700))}
.art-4{background:linear-gradient(135deg,#226B47,#3FAE6E)}
.art-5{background:linear-gradient(135deg,var(--forest-700),#2E8B57)}
.art-6{background:linear-gradient(135deg,var(--forest),#1A5A3C)}
.guide__body{padding:26px;display:flex;flex-direction:column;gap:12px;flex:1}
.guide__body .tag{align-self:flex-start}
.guide h3{font-size:1.1rem;margin:0;line-height:1.35}
.guide h3 a{color:var(--forest)}
.guide h3 a:hover{color:var(--green)}
.guide p{font-size:.92rem;margin:0;color:var(--body)}
.meta{display:flex;align-items:center;gap:6px;font-size:.82rem;color:var(--muted);margin-top:auto;padding-top:6px}

/* residents */
.residents{background:var(--paper);padding-top:0}
.residents__grid{display:grid;grid-template-columns:1.05fr 1fr;gap:64px;padding:56px;align-items:center;background:var(--off);border:0;box-shadow:none}
.residents__grid .checklist{margin:0;background:var(--white);padding:32px;border-radius:var(--radius);box-shadow:var(--shadow-sm)}

/* about / faq */
.about{background:var(--white)}
.about__grid{display:grid;grid-template-columns:1fr 1.05fr;gap:72px;align-items:start}
.about__mark{display:flex;align-items:center;gap:18px;margin-top:28px;padding-top:28px;border-top:1px solid var(--line);font-family:var(--font-head);font-weight:700;text-transform:uppercase;color:var(--forest);font-size:.9rem;letter-spacing:.06em;line-height:1.4}
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq details:first-child{border-top:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:20px 0;font-family:var(--font-head);font-weight:600;color:var(--forest);font-size:1.03rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary .ic{width:20px;height:20px;color:var(--green);transition:transform .2s;stroke-width:2}
.faq details[open] summary .ic{transform:rotate(45deg)}
.faq details p{margin:0 0 20px;font-size:.96rem;padding-right:36px}

/* cta band */
.cta-band{background:var(--green);background:linear-gradient(110deg,var(--forest) 0%,var(--forest-700) 55%,var(--green) 100%);color:#D9EADF}
.cta-band__inner{display:flex;justify-content:space-between;align-items:center;gap:32px;padding-top:64px;padding-bottom:64px}
.cta-band h2{color:#fff;text-transform:uppercase;font-weight:800;margin-bottom:6px}
.cta-band p{margin:0;font-size:1.1rem}

/* footer */
.footer{background:var(--forest-950);color:#A9C1B2;font-size:.92rem;padding-top:72px}
.footer__top{display:grid;grid-template-columns:1fr 1.6fr;gap:64px;padding-bottom:48px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer__brand img{width:180px;height:auto;margin-bottom:16px}
.footer__brand p{font-family:var(--font-head);text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;color:#DDE9E1}
.social{display:flex;align-items:center;gap:10px;flex-wrap:wrap;margin-top:20px}
.social a{width:40px;height:40px;border-radius:50%;border:1px solid rgba(255,255,255,.16);display:grid;place-items:center;color:#DDE9E1;transition:all .2s}
.social a:hover{background:var(--green);border-color:var(--green);color:#fff}
.social .ic{width:18px;height:18px}
.handle{font-family:var(--font-head);font-weight:600;color:var(--green-bright);letter-spacing:.04em;margin-left:6px}
.footer__cols{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.footer__cols h4{color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:.14em;margin-bottom:18px}
.footer__cols a{display:block;color:#A9C1B2;padding:5px 0}
.footer__cols a:hover{color:#fff}
.footer__legal{padding:32px 0 40px}
.footer__legal > p{font-size:.8rem;line-height:1.7;color:#8FA99A;max-width:1000px}
.footer__legal strong{color:#DDE9E1}
.footer__bottom{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:16px 28px;margin-top:24px;padding-top:24px;border-top:1px solid rgba(255,255,255,.08);font-size:.8rem}
.footer__bottom nav{display:flex;flex-wrap:wrap;gap:6px 22px}
.footer__bottom a{color:#A9C1B2}
.footer__bottom a:hover{color:#fff}
.eho{display:inline-flex;align-items:center;gap:8px;color:#DDE9E1;font-weight:600}
.eho .ic{width:24px;height:24px}

/* ---------- responsive ---------- */
@media (max-width:1100px){
  .nav{gap:20px}
  .hero__grid{grid-template-columns:1.1fr .9fr}
  .icon-grid{grid-template-columns:repeat(3,1fr)}
}
@media (max-width:980px){
  .menu-btn{display:inline-flex}
  .nav{position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:var(--paper);padding:12px 28px 28px;border-bottom:1px solid var(--line);box-shadow:0 30px 40px -30px rgba(15,59,42,.35);transform:translateY(-12px);opacity:0;pointer-events:none;transition:all .2s}
  .nav.is-open{transform:none;opacity:1;pointer-events:auto}
  .nav a:not(.btn){padding:15px 0;border-bottom:1px solid var(--line);font-size:1rem}
  .nav a:not(.btn)::after{display:none}
  .nav__cta{margin:18px 0 0}
  .hero__grid{grid-template-columns:1fr;min-height:0;padding-top:44px;gap:24px}
  .hero__media{justify-self:center;max-width:540px;width:100%;margin-right:0}
  .match__grid,.split,.about__grid,.residents__grid{grid-template-columns:1fr;gap:44px}
  .match__intro{position:static}
  .split-head{flex-direction:column;align-items:flex-start;gap:24px}
  .guide-grid{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:1fr}
  .footer__top{grid-template-columns:1fr;gap:44px}
}
@media (max-width:640px){
  body{font-size:16px}
  .container{padding:0 20px}
  .utility p{font-size:.76rem}
  .utility a{display:none}
  .header__inner{height:68px}
  .brand img{height:38px}
  .section{padding:76px 0}
  .hero__grid{padding-top:36px;padding-bottom:40px}
  .hero__title{font-size:2.3rem}
  .eyebrow{font-size:.68rem;letter-spacing:.12em;padding:7px 12px}
  .utility .u-long{display:none}
  .utility .u-short{display:inline}
  .hero__grid > *,.residents__grid > *,.match__grid > *,.split > *,.about__grid > *{min-width:0}
  .btn{white-space:normal;text-align:center}
  .hero__sub{font-size:1.02rem}
  .quick{padding:18px 16px}
  .quick__row{flex-direction:column}
  .notlisted__row{flex-direction:column}
  .notlisted__row .btn{width:100%}
  .quick .btn{width:100%}
  .qf input{font-size:16px}
  .float-card{padding:9px 14px 9px 9px}
  .float-card__icon{width:34px;height:34px}
  .float-card strong{font-size:.82rem}
  .float-card small{display:none}
  .float-card--a{left:0;bottom:8%}
  .float-card--b{right:0;top:4%}
  .trust__inner{grid-template-columns:1fr}
  .trust__item{justify-content:flex-start;padding:18px 0}
  .trust__item + .trust__item{border-left:0;border-top:1px solid rgba(255,255,255,.12)}
  .quiz{padding:26px 20px}
  .step legend{font-size:1.2rem}
  .tiles--2,.tiles--3{grid-template-columns:1fr 1fr}
  .tile span{padding:12px 12px;font-size:.88rem;gap:10px;min-height:52px}
  .tile span::before{width:16px;height:16px}
  .field-row{grid-template-columns:1fr;gap:0}
  .benefits{grid-template-columns:1fr}
  .compare{padding:24px 18px}
  table thead{display:none}
  table,tbody,tr,th,td{display:block;width:100%!important}
  tbody tr{border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden}
  tbody th{background:var(--off);border-bottom:1px solid var(--line);padding:10px 14px;font-size:.9rem}
  tbody td{display:flex;justify-content:space-between;gap:16px;border-bottom:1px solid var(--line);padding:10px 14px;text-align:right}
  tbody td:last-child{border-bottom:0}
  tbody td::before{content:attr(data-label);font-family:var(--font-head);font-size:.7rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);text-align:left;flex:none;padding-top:2px}
  tbody td:nth-child(2)::before{color:var(--green)}
  td .ok{display:none}
  .compare__head{flex-direction:column;align-items:flex-start}
  .icon-grid{grid-template-columns:repeat(2,1fr)}
  .icon-item{padding:26px 14px}
  .search{min-width:0;width:100%}
  .state-grid{grid-template-columns:repeat(2,1fr);gap:8px}
  .state-btn{padding:10px 10px;font-size:.86rem;gap:8px}
  .states-count{align-self:flex-start}
  .state-panel{grid-template-columns:1fr;text-align:left;padding:24px}
  .state-panel__cta{align-items:flex-start}
  .guide-grid{grid-template-columns:1fr}
  .guide__art{height:120px}
  .residents__grid{padding:30px 20px}
  .residents__grid .checklist{padding:22px}
  .cta-band__inner{flex-direction:column;align-items:flex-start;padding-top:52px;padding-bottom:52px}
  .cta-band .btn{width:100%}
  .footer__cols{grid-template-columns:1fr 1fr}
  .footer__bottom{flex-direction:column;align-items:flex-start}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}