/* ==========================================================================
   Jean Darius — JD Lending Group
   Design system: Graphite & Silver
   ========================================================================== */

:root {
  /* Palette — Night (default) */
  --bg: #0f1012;
  --bg-raised: #17181b;
  --bg-card: #1c1d21;
  --bg-alt: linear-gradient(180deg, #17181c, #0f1012);
  --border: #2a2c31;
  --border-strong: #3a3d44;

  --ink: #f4f5f7;
  --ink-soft: #d6d8dc;
  --ink-muted: #9a9da3;
  --ink-faint: #6b6e74;

  --silver: #c3c7cd;
  --silver-light: #eef0f2;
  --silver-deep: #83878f;
  --silver-gradient: linear-gradient(90deg, var(--silver-deep), var(--silver-light));
  --on-silver: #141517;

  --input-bg: #131417;
  --nav-bg: rgba(15,16,18,0.85);
  --shadow: rgba(0,0,0,0.45);
  --quote-mark: rgba(199,203,209,0.3);

  /* Type */
  --font-head: 'General Sans', 'Space Grotesk', 'Neue Montreal', Arial, sans-serif;
  --font-body: 'Satoshi', 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;

  /* Layout */
  --max: 1180px;
  --radius: 6px;
  --radius-lg: 14px;

  color-scheme: dark;
}

:root[data-theme="light"] {
  --bg: #f7f7f8;
  --bg-raised: #eeeef0;
  --bg-card: #ffffff;
  --bg-alt: linear-gradient(180deg, #f2f2f3, #e8e9eb);
  --border: #e2e3e6;
  --border-strong: #cfd1d5;

  --ink: #15161a;
  --ink-soft: #3d3f44;
  --ink-muted: #6d6f75;
  --ink-faint: #96979c;

  --silver: #54565c;
  --silver-light: #2f3034;
  --silver-deep: #7c7f85;

  --on-silver: #ffffff;

  --input-bg: #ffffff;
  --nav-bg: rgba(247,247,248,0.85);
  --shadow: rgba(30,30,34,0.14);
  --quote-mark: rgba(60,62,66,0.16);

  color-scheme: light;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
html, body { overflow-x: clip; }

body {
  margin: 0;
  width: 100%;
  background: var(--bg);
  color: var(--ink-soft);
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
  transition: background-color 0.35s ease, color 0.35s ease;
}

h1, h2, h3, h4 {
  font-family: var(--font-head);
  font-weight: 600;
  color: var(--ink);
  letter-spacing: -0.01em;
  margin: 0;
}

p { margin: 0; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button { font-family: inherit; cursor: pointer; }

.wrap {
  max-width: var(--max);
  margin: 0 auto;
  padding: 0 32px;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  font-family: var(--font-head);
  font-size: 11.5px;
  font-weight: 600;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--silver);
  background: rgba(199,203,209,0.08);
  border: 1px solid rgba(199,203,209,0.24);
  border-radius: 999px;
  padding: 7px 16px;
}

.section-head { max-width: 640px; margin-bottom: 56px; }
.section-head h2 { font-size: clamp(28px, 3.4vw, 40px); line-height: 1.15; margin-top: 14px; }
.section-head p { margin-top: 16px; color: var(--ink-muted); font-size: 16px; line-height: 1.7; }
.section-head.center { margin-left: auto; margin-right: auto; text-align: center; }

section { position: relative; padding: 110px 0; }
section.tight { padding: 90px 0; }

.section-dark {
  --bg: #0f1012; --bg-raised: #17181b; --bg-card: #1c1d21;
  --bg-alt: linear-gradient(180deg, #17181c, #0f1012);
  --border: #2a2c31; --border-strong: #3a3d44;
  --ink: #f4f5f7; --ink-soft: #d6d8dc; --ink-muted: #9a9da3; --ink-faint: #6b6e74;
  --silver: #c3c7cd; --silver-light: #eef0f2; --silver-deep: #83878f;
  --input-bg: #131417; --shadow: rgba(0,0,0,0.45);
  background: var(--bg); color: var(--ink-soft); border-top: 1px solid var(--border);
}
.section-light {
  --bg: #f7f7f8; --bg-raised: #eeeef0; --bg-card: #ffffff;
  --bg-alt: linear-gradient(180deg, #f2f2f3, #e8e9eb);
  --border: #e2e3e6; --border-strong: #cfd1d5;
  --ink: #15161a; --ink-soft: #3d3f44; --ink-muted: #6d6f75; --ink-faint: #96979c;
  --silver: #54565c; --silver-light: #2f3034; --silver-deep: #7c7f85;
  --input-bg: #ffffff; --shadow: rgba(30,30,34,0.14);
  background: var(--bg); color: var(--ink-soft); border-top: 1px solid var(--border);
}

.glow {
  position: absolute;
  border-radius: 50%;
  pointer-events: none;
  background: radial-gradient(circle, rgba(199,203,209,0.12) 0%, rgba(0,0,0,0) 70%);
  z-index: 0;
}

.accent-text {
  background: linear-gradient(115deg, var(--silver-light), var(--silver) 55%, var(--silver-deep));
  -webkit-background-clip: text;
  background-clip: text;
  color: transparent;
}

/* Buttons */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-head);
  font-weight: 600;
  font-size: 13.5px;
  letter-spacing: 0.02em;
  padding: 15px 28px;
  border-radius: 999px;
  border: 1px solid transparent;
  white-space: nowrap;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease, border-color 0.2s ease;
}
.btn-primary {
  position: relative;
  overflow: hidden;
  background: linear-gradient(90deg, var(--silver-deep), var(--silver));
  background-clip: padding-box;
  color: var(--on-silver);
  box-shadow: 0 8px 24px rgba(199,203,209,0.14);
  transition: transform 0.2s ease, box-shadow 0.2s ease, filter 0.2s ease;
}
.btn-primary:hover { transform: translateY(-1px); box-shadow: 0 12px 30px rgba(199,203,209,0.24); filter: brightness(1.06); }
.btn-outline {
  color: var(--ink);
  border-color: var(--border-strong);
  background: rgba(255,255,255,0.02);
}
.btn-outline:hover { border-color: var(--silver); background: rgba(199,203,209,0.06); }
.btn-block { width: 100%; }
.btn-lg { padding: 19px 38px; font-size: 14.5px; }
.btn-sm { padding: 12px 20px; font-size: 13px; }

/* ==========================================================================
   Nav
   ========================================================================== */
.nav { position: fixed; top: 0; left: 0; right: 0; z-index: 100; background: transparent; border-bottom: none; }
.nav .wrap { display: flex; align-items: center; justify-content: space-between; height: 92px; gap: 16px; }
.nav-logo {
  display: inline-flex; align-items: center; gap: 0.4em;
  font-family: var(--font-head); font-weight: 700; font-size: 15px; letter-spacing: 0.01em;
  color: #eef0f2;
  background: rgba(15,16,18,0.55);
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 999px; padding: 11px 20px;
  box-shadow: 0 8px 20px rgba(0,0,0,0.2);
}
.nav-logo img { height: 22px; width: auto; display: block; filter: brightness(0) invert(1); }
.nav-logo span { display: inline-block; color: #9a9da3; font-weight: 500; font-style: italic; transform: skewX(-8deg); }
.nav-links {
  display: flex; align-items: center; gap: 2px; font-size: 13px; white-space: nowrap;
  background: rgba(15,16,18,0.5);
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 999px; padding: 6px;
  box-shadow: 0 8px 20px rgba(0,0,0,0.2);
}
.nav-links a { padding: 9px 15px; border-radius: 999px; color: #d6d8dc; transition: background-color 0.2s ease, color 0.2s ease; }
.nav-links a:hover { color: #f4f5f7; background: rgba(255,255,255,0.1); }
.nav-right { display: flex; align-items: center; gap: 10px; }
.nav .btn { padding: 11px 20px; font-size: 12.5px; }

.icon-toggle {
  display: flex; align-items: center; justify-content: center;
  height: 42px; min-width: 42px; padding: 0 12px;
  background: rgba(15,16,18,0.5);
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 999px; color: #d6d8dc;
  font-family: var(--font-head); font-weight: 600; font-size: 12px; letter-spacing: 0.04em;
  box-shadow: 0 8px 20px rgba(0,0,0,0.2);
  transition: border-color 0.2s ease, color 0.2s ease;
}
.icon-toggle:hover { border-color: var(--silver); color: var(--silver-light); }
.icon-sun { display: flex; }
.icon-moon { display: none; }
[data-theme="light"] .icon-sun { display: none; }
[data-theme="light"] .icon-moon { display: flex; }

.nav-toggle {
  display: none; align-items: center; justify-content: center; width: 42px; height: 42px;
  background: rgba(15,16,18,0.5);
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 999px; color: #f4f5f7;
  box-shadow: 0 8px 20px rgba(0,0,0,0.2);
}
.nav-mobile {
  display: none; flex-direction: column; gap: 6px; margin: 0 20px 16px; padding: 10px;
  background: rgba(15,16,18,0.75);
  backdrop-filter: blur(16px); -webkit-backdrop-filter: blur(16px);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 20px;
  box-shadow: 0 14px 32px rgba(0,0,0,0.4);
}
.nav-mobile a { padding: 13px 16px; border-radius: 12px; font-size: 14.5px; color: #d6d8dc; }
.nav-mobile a:hover { background: rgba(255,255,255,0.08); color: #f4f5f7; }
.nav-mobile.is-open { display: flex; }

@media (max-width: 1180px) {
  .nav-links { display: none; }
  .nav-toggle { display: flex; }
  .nav-right > .icon-toggle { display: none; }
}
.nav-mobile-toggles { display: flex; gap: 10px; padding: 16px 0 4px; }

@media (max-width: 420px) {
  .nav .wrap { padding: 0 16px; }
  .nav-logo { padding: 9px 14px; font-size: 13.5px; }
  .nav-right { gap: 8px; }
  .nav .btn { padding: 10px 14px; font-size: 11.5px; }
  .nav-toggle { width: 38px; height: 38px; }
}

/* ==========================================================================
   Hero
   ========================================================================== */
.hero {
  padding: 148px 0 100px;
  overflow: hidden;
  position: relative;
  --bg: #0f1012; --bg-raised: #17181b; --bg-card: #1c1d21;
  --border: #2a2c31; --border-strong: #3a3d44;
  --ink: #f4f5f7; --ink-soft: #d6d8dc; --ink-muted: #9a9da3; --ink-faint: #6b6e74;
  --silver: #c3c7cd; --silver-light: #eef0f2; --silver-deep: #83878f;
  color: var(--ink-soft);
}
.hero .wrap { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 40px; align-items: center; position: relative; z-index: 1; }

.hero-bg-scene {
  position: absolute; inset: 0; z-index: 0;
  background-image: url("assets/hero-luxury-home.jpg");
  background-repeat: no-repeat;
  background-position: center 34%;
  background-size: cover;
  filter: grayscale(0.55) contrast(1.05);
  animation: hero-ken-burns 22s ease-in-out infinite alternate;
}
@keyframes hero-ken-burns {
  from { transform: scale(1); background-position: center 34%; }
  to { transform: scale(1.08); background-position: center 24%; }
}
@media (prefers-reduced-motion: reduce) { .hero-bg-scene { animation: none; } }
.hero-bg-overlay {
  position: absolute; inset: 0; z-index: 0;
  background:
    linear-gradient(90deg, rgba(15,16,18,0.92) 0%, rgba(15,16,18,0.62) 45%, rgba(15,16,18,0.26) 100%),
    linear-gradient(0deg, #0f1012 0%, rgba(15,16,18,0.4) 35%, rgba(15,16,18,0.15) 100%);
}
.hero-glow-1 { top: -220px; right: -160px; width: 560px; height: 560px; background: radial-gradient(circle, rgba(199,203,209,0.14) 0%, rgba(0,0,0,0) 70%); }
.hero-glow-2 { bottom: -180px; left: -160px; width: 420px; height: 420px; background: radial-gradient(circle, rgba(199,203,209,0.07) 0%, rgba(0,0,0,0) 70%); }

.hero-copy h1 { font-size: clamp(38px, 4.6vw, 58px); line-height: 1.08; margin-top: 16px; }
.hero-copy .lede { margin-top: 20px; font-size: 17.5px; color: var(--ink-muted); max-width: 480px; line-height: 1.75; }
.hero-actions { display: flex; gap: 14px; margin-top: 32px; flex-wrap: wrap; }
.hero-license { margin-top: 40px; font-size: 12px; color: var(--ink-faint); letter-spacing: 0.02em; }
.hero-stats { display: flex; gap: 36px; margin-top: 44px; padding-top: 32px; border-top: 1px solid var(--border); }
.hero-stat b { display: block; font-family: var(--font-head); font-size: 24px; font-weight: 600; color: var(--ink); }
.hero-stat span { font-size: 12.5px; color: var(--ink-faint); }

.hero-visual { position: relative; display: flex; align-items: center; justify-content: center; }
.hero-photo-card {
  position: relative;
  width: min(100%, 400px);
  border-radius: 22px;
  overflow: hidden;
  background: linear-gradient(160deg, rgba(40,42,46,0.5), rgba(15,16,18,0.5) 68%);
  backdrop-filter: blur(4px); -webkit-backdrop-filter: blur(4px);
  border: 1px solid rgba(199,203,209,0.22);
  box-shadow: 0 30px 60px rgba(0,0,0,0.5);
}
.hero-photo-card::before {
  content: '';
  position: absolute; inset: 0; z-index: 3; pointer-events: none;
  background-image: linear-gradient(115deg, transparent 40%, rgba(255,255,255,0.16) 50%, transparent 60%);
  background-repeat: no-repeat;
  background-size: 260% 160%;
  background-position: -60% 50%;
  animation: card-shine 5s ease-in-out infinite;
}
@keyframes card-shine { 0% { background-position: -60% 50%; } 100% { background-position: 200% 50%; } }
@media (prefers-reduced-motion: reduce) { .hero-photo-card::before { animation: none; } }
.hero-photo-glow {
  position: absolute; inset: 0; margin: auto; width: 340px; height: 340px; border-radius: 50%;
  background: radial-gradient(circle, rgba(199,203,209,0.22) 0%, rgba(15,16,18,0) 72%);
}
.hero-photo { position: relative; display: block; width: 100%; z-index: 1; transition: transform 0.25s ease-out; will-change: transform; }
.hero-photo-info {
  position: absolute; left: 0; right: 0; bottom: 0; z-index: 2;
  padding: 26px 22px 20px;
  background: linear-gradient(0deg, rgba(8,9,10,0.75) 0%, rgba(8,9,10,0.5) 55%, transparent 100%);
  backdrop-filter: blur(3px); -webkit-backdrop-filter: blur(3px);
}
.hero-photo-name { font-family: var(--font-head); font-weight: 600; font-size: 17px; color: #f4f5f7; }
.hero-photo-title { font-size: 12px; color: #c3c7cd; letter-spacing: 0.03em; margin-top: 4px; }
.hero-photo-rating { margin-top: 8px; display: flex; align-items: center; gap: 7px; font-size: 12px; color: #b7bac0; }
.hero-photo-rating .stars { color: #eef0f2; letter-spacing: 0.03em; font-size: 12px; }

@keyframes float-badge { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-10px); } }
.hero-pill {
  position: absolute; z-index: 4; display: flex; align-items: center; gap: 10px;
  background: rgba(28,29,33,0.92);
  backdrop-filter: blur(8px);
  border: 1px solid var(--border-strong);
  border-radius: 999px; padding: 9px 16px 9px 10px;
  box-shadow: 0 14px 32px rgba(0,0,0,0.45);
  animation: float-badge 5s ease-in-out infinite;
  white-space: nowrap;
}
.hero-pill .hero-pill-icon {
  display: flex; align-items: center; justify-content: center; width: 34px; height: 34px; border-radius: 50%;
  background: rgba(0,0,0,0.4);
  border: 1px solid rgba(199,203,209,0.35);
  color: var(--silver-light);
  flex-shrink: 0;
}
.hero-pill-icon svg { width: 15px; height: 15px; stroke-width: 2; }
.hero-pill b { display: block; font-family: var(--font-head); font-size: 12.5px; font-weight: 600; color: #f4f5f7; }
.hero-pill span { display: block; font-size: 10.5px; color: #8b8e94; margin-top: 1px; }
.hero-pill-top { top: -16px; right: 14px; animation-delay: -1s; }
.hero-pill-bottom { bottom: 152px; left: -26px; animation-delay: -3.2s; }

@media (max-width: 480px) { .hero-pill-bottom { left: 8px; } }
@media (max-width: 400px) { .hero-pill-top, .hero-pill-bottom { display: none; } }

@media (max-width: 900px) {
  .hero .wrap { grid-template-columns: 1fr; }
  .hero-visual { order: -1; margin-bottom: 20px; }
  .hero-stats { gap: 24px; flex-wrap: wrap; justify-content: center; }

  .hero-copy { text-align: center; }
  .hero-copy .lede { margin-left: auto; margin-right: auto; }
  .hero-actions { justify-content: center; }
}

/* ==========================================================================
   Dedicated page header
   ========================================================================== */
.page-header { padding: 128px 0 70px; border-bottom: 1px solid var(--border); position: relative; overflow: hidden; }
.page-header .wrap { position: relative; z-index: 1; }
.page-header-back { display: inline-flex; align-items: center; gap: 6px; font-size: 13px; color: var(--ink-faint); margin-bottom: 18px; transition: color 0.2s ease; }
.page-header-back:hover { color: var(--silver-light); }
.page-header h1 { margin-top: 14px; font-size: clamp(30px, 4vw, 46px); line-height: 1.1; }
.page-header p { margin-top: 16px; color: var(--ink-muted); font-size: 16px; max-width: 560px; line-height: 1.7; }

.page-header.center { text-align: center; }
.page-header.center .wrap { display: flex; flex-direction: column; align-items: center; }
.page-header.center h1 { max-width: 680px; }
.page-header.center p { margin-left: auto; margin-right: auto; }

/* ==========================================================================
   About
   ========================================================================== */
.about-wrap { display: grid; grid-template-columns: 0.72fr 1.28fr; gap: 56px; align-items: start; }
.about-visual {
  position: relative;
  border-radius: var(--radius-lg);
  overflow: hidden;
  border: 1px solid var(--border);
  background: var(--bg-alt);
  box-shadow: 0 24px 50px var(--shadow);
}
.about-visual img { width: 100%; display: block; }
.about-visual::after {
  content: '';
  position: absolute; inset: 0; z-index: 2; pointer-events: none;
  background-image: linear-gradient(120deg, transparent 42%, rgba(255,255,255,0.22) 50%, transparent 58%);
  background-repeat: no-repeat;
  background-size: 260% 160%;
  background-position: -60% 50%;
  animation: card-shine 6s ease-in-out infinite;
}
@media (prefers-reduced-motion: reduce) { .about-visual::after { animation: none; } }
.about-visual-badge {
  position: absolute; left: 16px; bottom: 16px; z-index: 3;
  background: rgba(15,16,18,0.42);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
  border: 1px solid rgba(255,255,255,0.18);
  border-radius: 10px; padding: 12px 16px;
  box-shadow: 0 14px 32px rgba(0,0,0,0.45);
  display: flex; flex-direction: column; gap: 2px;
}
.about-visual-badge b { font-family: var(--font-head); font-size: 20px; color: #f4f5f7; font-weight: 600; }
.about-visual-badge span { font-size: 10.5px; color: rgba(244,245,247,0.65); letter-spacing: 0.02em; }

.social-icons { display: flex; gap: 12px; margin-top: 24px; }
.social-icon {
  width: 42px; height: 42px; border-radius: 50%;
  border: 1px solid var(--border-strong);
  background: var(--bg-card);
  color: var(--ink-muted);
  display: flex; align-items: center; justify-content: center;
  transition: transform 0.25s ease, color 0.25s ease, border-color 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}
.social-icon:hover {
  color: var(--on-silver);
  border-color: var(--silver);
  background: var(--silver-gradient);
  transform: translateY(-4px) scale(1.06);
  box-shadow: 0 12px 26px rgba(199,203,209,0.28);
}

.about-intro { max-width: 640px; }
.about-intro h2 { margin-top: 14px; font-size: clamp(26px, 3.2vw, 36px); line-height: 1.25; }
.about-intro p { margin-top: 18px; color: var(--ink-muted); font-size: 15.5px; line-height: 1.75; }
.about-credentials { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; margin-top: 44px; }

@media (max-width: 900px) {
  .about-wrap { grid-template-columns: 1fr; }
  .about-visual { max-width: 380px; }
}
.credential {
  position: relative; overflow: hidden;
  padding: 24px 22px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  transition: border-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease;
}
.credential::before {
  content: '';
  position: absolute; inset: 0;
  background-image: url("assets/handshake.jpg");
  background-size: cover; background-position: center;
  opacity: 0.14; filter: grayscale(1);
  mask-image: linear-gradient(135deg, rgba(0,0,0,0.95) 0%, transparent 58%);
  -webkit-mask-image: linear-gradient(135deg, rgba(0,0,0,0.95) 0%, transparent 58%);
  pointer-events: none;
}
.credential > * { position: relative; z-index: 1; }
.credential:hover { border-color: rgba(199,203,209,0.4); transform: translateY(-4px); box-shadow: 0 18px 40px rgba(199,203,209,0.1); }
.credential .num { display: block; font-family: var(--font-head); color: var(--silver); font-weight: 600; font-size: 15px; margin-bottom: 16px; }
.credential h4 { font-size: 15px; margin-bottom: 8px; }
.credential p { font-size: 13.5px; color: var(--ink-faint); line-height: 1.6; }

@media (max-width: 900px) { .about-credentials { grid-template-columns: 1fr; } }

/* ==========================================================================
   Tilt cards
   ========================================================================== */
.tilt-card { transform-style: preserve-3d; will-change: transform; }
@media (prefers-reduced-motion: reduce) { .tilt-card { transition: none !important; } }

/* ==========================================================================
   Generated background treatments
   ========================================================================== */
.areas-section, .why-section { overflow: hidden; }

.bg-skyline {
  position: absolute; inset: auto 0 0 0; height: 320px; pointer-events: none; z-index: 0;
  background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='900' height='320' viewBox='0 0 900 320'%3E%3Cg fill='%23c3c7cd' fill-opacity='0.14'%3E%3Crect x='0' y='140' width='60' height='180'/%3E%3Crect x='70' y='90' width='44' height='230'/%3E%3Crect x='124' y='170' width='50' height='150'/%3E%3Crect x='184' y='60' width='38' height='260'/%3E%3Crect x='230' y='120' width='64' height='200'/%3E%3Crect x='302' y='40' width='34' height='280'/%3E%3Crect x='344' y='160' width='56' height='160'/%3E%3Crect x='408' y='100' width='42' height='220'/%3E%3Crect x='458' y='150' width='60' height='170'/%3E%3Crect x='526' y='70' width='36' height='250'/%3E%3Crect x='570' y='130' width='58' height='190'/%3E%3Crect x='636' y='30' width='40' height='290'/%3E%3Crect x='684' y='150' width='50' height='170'/%3E%3Crect x='742' y='95' width='44' height='225'/%3E%3Crect x='794' y='165' width='54' height='155'/%3E%3Crect x='856' y='110' width='44' height='210'/%3E%3C/g%3E%3Cg fill='%23eef0f2' fill-opacity='0.4'%3E%3Crect x='14' y='160' width='6' height='8'/%3E%3Crect x='30' y='160' width='6' height='8'/%3E%3Crect x='84' y='115' width='6' height='8'/%3E%3Crect x='84' y='140' width='6' height='8'/%3E%3Crect x='198' y='90' width='6' height='8'/%3E%3Crect x='198' y='120' width='6' height='8'/%3E%3Crect x='316' y='70' width='6' height='8'/%3E%3Crect x='316' y='100' width='6' height='8'/%3E%3Crect x='422' y='130' width='6' height='8'/%3E%3Crect x='422' y='160' width='6' height='8'/%3E%3Crect x='540' y='100' width='6' height='8'/%3E%3Crect x='540' y='130' width='6' height='8'/%3E%3Crect x='650' y='60' width='6' height='8'/%3E%3Crect x='650' y='90' width='6' height='8'/%3E%3Crect x='756' y='125' width='6' height='8'/%3E%3Crect x='756' y='155' width='6' height='8'/%3E%3Crect x='870' y='140' width='6' height='8'/%3E%3C/g%3E%3C/svg%3E");
  background-repeat: repeat-x; background-position: bottom center; background-size: 900px 320px;
  mask-image: linear-gradient(180deg, transparent 0%, rgba(0,0,0,0.9) 45%, rgba(0,0,0,0.9) 100%);
  -webkit-mask-image: linear-gradient(180deg, transparent 0%, rgba(0,0,0,0.9) 45%, rgba(0,0,0,0.9) 100%);
}
.bg-mesh {
  position: absolute; inset: 0; pointer-events: none; z-index: 0; opacity: 0.7;
  background:
    radial-gradient(600px circle at 12% 8%, rgba(199,203,209,0.09), transparent 55%),
    radial-gradient(500px circle at 88% 82%, rgba(199,203,209,0.07), transparent 55%),
    linear-gradient(180deg, var(--bg-raised) 0%, var(--bg) 100%);
}
.areas-section .wrap, .why-section .wrap { position: relative; z-index: 1; }

/* ==========================================================================
   Stat strip
   ========================================================================== */
.stat-strip {
  display: grid; grid-template-columns: repeat(4, 1fr); gap: 1px;
  background: var(--border); border: 1px solid var(--border);
  border-radius: var(--radius-lg); overflow: hidden; margin-bottom: 56px;
}
.stat-cell { background: var(--bg-card); padding: 30px 20px; text-align: center; }
.stat-cell b { display: block; font-family: var(--font-head); font-size: clamp(28px, 3vw, 36px); font-weight: 700; color: var(--silver-light); }
.stat-cell span { font-size: 12px; color: var(--ink-faint); letter-spacing: 0.01em; }

@media (max-width: 900px) { .stat-strip { grid-template-columns: repeat(2, 1fr); } }

/* ==========================================================================
   Loan Programs
   ========================================================================== */
.programs-section {
  overflow: hidden;
  --bg: #0f1012; --bg-raised: #17181b; --bg-card: #1c1d21;
  --border: #2a2c31; --border-strong: #3a3d44;
  --ink: #f4f5f7; --ink-soft: #d6d8dc; --ink-muted: #9a9da3; --ink-faint: #6b6e74;
  --silver: #c3c7cd; --silver-light: #eef0f2; --silver-deep: #83878f;
  color: var(--ink-soft);
}
.programs-section .wrap { position: relative; z-index: 1; }
.bg-keys {
  position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background-image: url("assets/downtown-night.jpg");
  background-repeat: no-repeat; background-position: center; background-size: cover;
  opacity: 0.42; filter: grayscale(0.6);
}
.section-photo-overlay { position: absolute; inset: 0; z-index: 0; pointer-events: none; background: rgba(15,16,18,0.74); }

.programs-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.program-card {
  position: relative; overflow: hidden;
  background: rgba(20,21,24,0.6);
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
  border: 1px solid rgba(255,255,255,0.08);
  border-radius: var(--radius-lg); padding: 30px 26px;
  transition: border-color 0.25s ease, transform 0.25s ease, box-shadow 0.25s ease, background 0.25s ease;
}
.program-card > * { position: relative; z-index: 1; }
.program-card:hover { border-color: rgba(199,203,209,0.4); transform: translateY(-5px); box-shadow: 0 20px 44px rgba(199,203,209,0.12); }
.program-icon {
  width: 42px; height: 42px; border-radius: 10px;
  background: linear-gradient(135deg, rgba(199,203,209,0.16), rgba(199,203,209,0.04));
  border: 1px solid rgba(199,203,209,0.22);
  display: flex; align-items: center; justify-content: center;
  color: var(--silver-light); margin-bottom: 20px;
  transition: transform 0.25s ease, box-shadow 0.25s ease;
}
.program-card:hover .program-icon { transform: scale(1.08); box-shadow: 0 0 22px rgba(199,203,209,0.3); }
.program-card h3 { font-size: 17px; margin-bottom: 10px; }
.program-card p { font-size: 14px; color: var(--ink-muted); line-height: 1.65; }

@media (max-width: 900px) { .programs-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 600px) { .programs-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   Areas Served
   ========================================================================== */
.areas-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.area-card {
  position: relative; overflow: hidden;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  transition: transform 0.3s cubic-bezier(.2,.8,.2,1), border-color 0.3s ease, box-shadow 0.3s ease;
}
.area-card:hover { transform: translateY(-6px); border-color: rgba(199,203,209,0.4); box-shadow: 0 22px 46px var(--shadow); }
.area-card-image { position: relative; aspect-ratio: 16 / 10; overflow: hidden; }
.area-card-image img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  filter: grayscale(0.25) contrast(1.05);
  transition: transform 0.6s cubic-bezier(.2,.8,.2,1), filter 0.4s ease;
}
.area-card:hover .area-card-image img { transform: scale(1.08); filter: grayscale(0) contrast(1.05); }
.area-card-image::after {
  content: ''; position: absolute; inset: 0;
  background: linear-gradient(180deg, rgba(15,16,18,0) 38%, var(--bg-card) 96%);
}
.area-card-body { position: relative; padding: 24px 26px 30px; }
.area-card .area-tag {
  display: inline-flex; font-family: var(--font-head); font-size: 10.5px; font-weight: 700;
  letter-spacing: 0.1em; text-transform: uppercase; color: var(--silver-light);
  background: rgba(199,203,209,0.1); border: 1px solid rgba(199,203,209,0.24);
  border-radius: 999px; padding: 5px 12px; margin-bottom: 16px;
}
.area-card h3 { font-size: 21px; margin-bottom: 10px; }
.area-card p { font-size: 14px; color: var(--ink-muted); line-height: 1.65; }

@media (max-width: 900px) { .areas-grid { grid-template-columns: 1fr; } }

/* legacy compact area cells (used in footer-style listings) */
.areas-grid.compact { grid-template-columns: repeat(5, 1fr); gap: 1px; background: var(--border); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; }
.areas-grid.compact .area-cell { background: var(--bg-raised); padding: 28px 18px; text-align: center; transition: background 0.25s ease, box-shadow 0.25s ease; position: relative; z-index: 0; }
.areas-grid.compact .area-cell:hover { background: var(--bg-card); box-shadow: inset 0 0 0 1px rgba(199,203,209,0.3), 0 12px 30px rgba(199,203,209,0.08); z-index: 1; }
.areas-grid.compact .area-cell b { display: block; font-family: var(--font-head); font-size: 15px; color: var(--ink); font-weight: 600; }
.areas-grid.compact .area-cell span { font-size: 12px; color: var(--ink-faint); }
@media (max-width: 900px) { .areas-grid.compact { grid-template-columns: repeat(3, 1fr); } }
@media (max-width: 600px) { .areas-grid.compact { grid-template-columns: repeat(2, 1fr); } }

/* ==========================================================================
   Calculator
   ========================================================================== */
.calc-panel { display: grid; grid-template-columns: 1fr 1fr; gap: 0; background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; }
.calc-form { padding: 44px; }
.calc-result { padding: 44px; background: var(--bg-raised); border-left: 1px solid var(--border); display: flex; flex-direction: column; justify-content: center; }
.field { margin-bottom: 20px; }
.field label { display: block; font-size: 12.5px; color: var(--ink-faint); letter-spacing: 0.03em; margin-bottom: 8px; text-transform: uppercase; font-weight: 500; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field input, .field select {
  width: 100%; background: var(--input-bg); border: 1px solid var(--border-strong); border-radius: var(--radius);
  color: var(--ink); font-size: 15px; font-family: var(--font-body); padding: 13px 14px; outline: none;
  transition: border-color 0.2s ease;
}
.field input:focus, .field select:focus { border-color: var(--silver); }

.result-label { font-size: 12.5px; color: var(--ink-faint); text-transform: uppercase; letter-spacing: 0.05em; }
.result-amount { font-family: var(--font-head); font-size: 46px; font-weight: 600; color: var(--ink); margin: 10px 0 4px; }
.result-amount span { color: var(--silver-light); }
.result-sub { font-size: 13px; color: var(--ink-faint); margin-bottom: 28px; }
.result-breakdown { display: grid; gap: 12px; }
.result-row { display: flex; justify-content: space-between; font-size: 13.5px; color: var(--ink-muted); padding-bottom: 12px; border-bottom: 1px solid var(--border); }
.result-row b { color: var(--ink-soft); font-weight: 500; }

@media (max-width: 900px) {
  .calc-panel { grid-template-columns: 1fr; }
  .calc-result { border-left: none; border-top: 1px solid var(--border); }
  .field-row { grid-template-columns: 1fr; }
}

/* ==========================================================================
   Why Choose Jean
   ========================================================================== */
.why-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.why-card {
  position: relative;
  overflow: hidden;
  text-align: center;
  padding: 36px 26px 32px;
  background: var(--bg-card);
  border: 1px solid var(--border);
  border-radius: var(--radius-lg);
  transition: transform 0.3s cubic-bezier(.2,.8,.2,1), border-color 0.3s ease, box-shadow 0.3s ease;
}
.why-card::before {
  content: '';
  position: absolute; inset: 0; z-index: 0; pointer-events: none;
  background: radial-gradient(180px circle at 50% -10%, rgba(199,203,209,0.16), transparent 70%);
  opacity: 0;
  transition: opacity 0.35s ease;
}
.why-card:hover { transform: translateY(-6px); border-color: rgba(199,203,209,0.4); box-shadow: 0 20px 44px var(--shadow); }
.why-card:hover::before { opacity: 1; }
.why-card > * { position: relative; z-index: 1; }
.why-num {
  font-family: var(--font-head); font-size: 13px; font-weight: 600; color: var(--silver);
  border: 1px solid rgba(199,203,209,0.28); width: 38px; height: 38px; border-radius: 50%;
  display: flex; align-items: center; justify-content: center; margin: 0 auto 22px;
  transition: transform 0.35s cubic-bezier(.34,1.56,.64,1), box-shadow 0.3s ease, background 0.3s ease;
}
.why-card:hover .why-num { transform: scale(1.12) rotate(-8deg); box-shadow: 0 0 0 7px rgba(199,203,209,0.1); background: rgba(199,203,209,0.08); }
.why-card h3 { font-size: 17px; margin-bottom: 10px; text-align: center; }
.why-card p { font-size: 14px; color: var(--ink-muted); line-height: 1.65; text-align: center; }

@media (max-width: 900px) { .why-grid { grid-template-columns: repeat(2, 1fr); gap: 32px 20px; } }
@media (max-width: 560px) { .why-grid { grid-template-columns: 1fr; } }

/* ==========================================================================
   Reviews
   ========================================================================== */
.reviews-section { background: var(--bg-alt); transition: background 0.35s ease; }
.reviews-viewport { overflow: hidden; mask-image: linear-gradient(90deg, transparent, #000 5%, #000 95%, transparent); -webkit-mask-image: linear-gradient(90deg, transparent, #000 5%, #000 95%, transparent); }
.reviews-track { display: flex; gap: 20px; width: max-content; animation: reviews-marquee 46s linear infinite; }
.reviews-viewport:hover .reviews-track, .reviews-track.paused { animation-play-state: paused; }
@keyframes reviews-marquee { from { transform: translateX(0); } to { transform: translateX(-50%); } }
@media (prefers-reduced-motion: reduce) { .reviews-track { animation: none; flex-wrap: wrap; width: 100%; } }
.review-card {
  background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg);
  padding: 30px 28px; display: flex; flex-direction: column; flex: 0 0 380px; width: 380px;
  box-shadow: 0 18px 40px var(--shadow);
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}
.review-card:hover { transform: translateY(-5px); border-color: rgba(199,203,209,0.32); box-shadow: 0 24px 48px var(--shadow), 0 0 32px rgba(199,203,209,0.08); }

@media (max-width: 900px) { .review-card { flex-basis: 300px; width: 300px; } }
.review-stars { color: var(--silver); font-size: 13px; letter-spacing: 0.14em; margin-bottom: 20px; }
.review-card p.quote { font-style: italic; font-size: 15.5px; color: var(--ink-soft); line-height: 1.75; flex-grow: 1; }
.review-divider { width: 30px; height: 1px; background: var(--silver); opacity: 0.5; margin: 24px 0 14px; }
.review-who { display: flex; flex-direction: column; gap: 3px; }
.review-who b { font-size: 14px; color: var(--ink); font-weight: 600; }
.review-who span { font-size: 12.5px; color: var(--ink-faint); }

/* ==========================================================================
   Hot Leads / Homeowner CTA panel
   ========================================================================== */
.leads-panel {
  position: relative; overflow: hidden;
  background: linear-gradient(135deg, var(--bg-card), var(--bg-raised));
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-lg); padding: 64px 56px; text-align: center;
  max-width: 840px; margin: 0 auto;
}
.leads-panel .eyebrow { position: relative; z-index: 1; }
.leads-panel h2 { position: relative; z-index: 1; margin-top: 16px; font-size: clamp(28px, 3.6vw, 42px); line-height: 1.15; max-width: 640px; margin-left: auto; margin-right: auto; }
.leads-panel p { position: relative; z-index: 1; color: var(--ink-muted); margin-top: 18px; font-size: 16px; line-height: 1.75; max-width: 560px; margin-left: auto; margin-right: auto; }
.leads-pills { position: relative; z-index: 1; display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; margin-top: 30px; }
.leads-pill {
  display: flex; align-items: center; gap: 8px;
  background: rgba(199,203,209,0.07); border: 1px solid rgba(199,203,209,0.24);
  border-radius: 999px; padding: 9px 16px 9px 12px; font-size: 13px; font-weight: 500; color: var(--ink-soft);
}
.leads-pill svg { color: var(--silver-light); flex-shrink: 0; }
.leads-panel .btn { position: relative; z-index: 1; margin-top: 34px; }

@media (max-width: 700px) { .leads-panel { padding: 44px 26px; } }

/* ==========================================================================
   Referral
   ========================================================================== */
.referral-panel {
  position: relative;
  overflow: hidden;
  background: linear-gradient(160deg, var(--bg-card), var(--bg-raised));
  border: 1px solid var(--border-strong);
  border-radius: var(--radius-lg);
  padding: 52px 48px 48px;
}
.referral-panel::before {
  content: '';
  position: absolute; top: -140px; right: -110px; z-index: 0;
  width: 340px; height: 340px; border-radius: 50%; pointer-events: none;
  background: radial-gradient(circle, rgba(199,203,209,0.14) 0%, rgba(0,0,0,0) 72%);
}
.referral-panel::after {
  content: '';
  position: absolute; bottom: -160px; left: -120px; z-index: 0;
  width: 320px; height: 320px; border-radius: 50%; pointer-events: none;
  background: radial-gradient(circle, rgba(199,203,209,0.08) 0%, rgba(0,0,0,0) 72%);
}
.referral-panel > * { position: relative; z-index: 1; }

.referral-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.referral-step { text-align: center; padding: 4px; }
.referral-step-icon {
  width: 54px; height: 54px; margin: 0 auto 20px; border-radius: 14px;
  background: rgba(199,203,209,0.1); border: 1px solid rgba(199,203,209,0.28);
  color: var(--silver-light);
  display: flex; align-items: center; justify-content: center;
  transition: transform 0.35s cubic-bezier(.34,1.56,.64,1), box-shadow 0.3s ease;
}
.referral-step:hover .referral-step-icon { transform: rotate(-8deg) scale(1.1); box-shadow: 0 0 0 7px rgba(199,203,209,0.08); }
.referral-step .step-num { font-family: var(--font-head); font-size: 11.5px; font-weight: 700; letter-spacing: 0.1em; color: var(--ink-faint); margin-bottom: 10px; }
.referral-step h3 { font-size: 16px; margin-bottom: 10px; color: var(--ink); }
.referral-step p { font-size: 14px; color: var(--ink-muted); max-width: 250px; margin: 0 auto; line-height: 1.6; }

@media (max-width: 700px) { .referral-grid { grid-template-columns: 1fr; gap: 36px; } }

.referral-divider { height: 1px; background: var(--border); margin: 44px 0 34px; }

.referral-cta {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 24px;
  background: var(--silver-gradient);
  border-radius: 16px;
  padding: 30px 34px;
}
.referral-cta-left { display: flex; gap: 16px; align-items: flex-start; max-width: 480px; }
.referral-cta-icon {
  width: 44px; height: 44px; flex-shrink: 0; border-radius: 10px;
  background: rgba(0,0,0,0.12); border: 1px solid rgba(0,0,0,0.14);
  color: var(--on-silver); display: flex; align-items: center; justify-content: center;
}
.referral-cta-left strong { display: block; font-family: var(--font-head); font-size: 17px; font-weight: 700; color: var(--on-silver); margin-bottom: 8px; }
.referral-cta-left p { font-size: 14px; color: var(--on-silver); opacity: 0.78; line-height: 1.6; }
.referral-cta-buttons { display: flex; gap: 12px; flex-wrap: wrap; }
.referral-cta-buttons .btn-primary { background: var(--bg); color: var(--ink); box-shadow: none; }
.referral-cta-buttons .btn-primary:hover { transform: translateY(-1px); box-shadow: 0 10px 24px rgba(0,0,0,0.18); }
.referral-cta-buttons .btn-outline { color: var(--on-silver); border-color: rgba(0,0,0,0.22); background: rgba(0,0,0,0.06); }
.referral-cta-buttons .btn-outline:hover { border-color: rgba(0,0,0,0.34); background: rgba(0,0,0,0.1); }

@media (max-width: 700px) {
  .referral-panel { padding: 40px 26px; }
  .referral-cta { align-items: flex-start; }
  .referral-cta-buttons { width: 100%; }
  .referral-cta-buttons .btn { flex: 1; }
}
@media (max-width: 480px) { .referral-cta-buttons { flex-direction: column; } .referral-cta-buttons .btn { width: 100%; } }

/* ==========================================================================
   Contact
   ========================================================================== */
#contact .wrap { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 60px; align-items: start; }
.contact-info { display: grid; gap: 22px; align-content: start; margin-top: 32px; }
.contact-row { display: flex; gap: 16px; align-items: flex-start; }
.contact-icon { width: 40px; height: 40px; flex-shrink: 0; border-radius: 9px; background: var(--bg-card); border: 1px solid var(--border); display: flex; align-items: center; justify-content: center; color: var(--silver); }
.contact-row h4 { font-size: 14.5px; margin-bottom: 4px; }
.contact-row p, .contact-row a { font-size: 14px; color: var(--ink-muted); }
.contact-form { background: var(--bg-card); border: 1px solid var(--border); border-radius: var(--radius-lg); padding: 36px; display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }

.contact-form.funnel-embed { display: flex; flex-direction: column; justify-content: center; align-items: center; text-align: center; grid-template-columns: none; }
.funnel-embed .eyebrow { white-space: nowrap; }
.funnel-embed h3 { margin-top: 16px; font-size: 23px; line-height: 1.3; color: var(--ink); }
.funnel-embed > p { margin-top: 10px; color: var(--ink-muted); font-size: 14px; line-height: 1.6; }
.funnel-embed .field { width: 100%; margin-top: 26px; margin-bottom: 0; }
.funnel-embed .field input, .funnel-embed .field select { text-align: left; }
.funnel-embed .btn { width: 100%; margin-top: 16px; }
.funnel-embed-note { margin-top: 16px; font-size: 12.5px; color: var(--ink-faint); text-align: center; }

@media (max-width: 480px) { .funnel-embed .eyebrow { font-size: 9.5px; letter-spacing: 0.05em; padding: 6px 12px; } }
@media (max-width: 900px) { #contact .wrap { grid-template-columns: 1fr; gap: 40px; } }
@media (max-width: 700px) { .contact-form { grid-template-columns: 1fr; } }

/* ==========================================================================
   Footer
   ========================================================================== */
.site-footer { border-top: 1px solid var(--border); padding: 56px 0 36px; }
.footer-top { display: flex; justify-content: space-between; gap: 40px; flex-wrap: wrap; margin-bottom: 40px; }
.footer-brand .nav-logo { margin-bottom: 12px; }
.footer-brand p { font-size: 13.5px; color: var(--ink-faint); max-width: 320px; line-height: 1.7; }
.footer-links { display: flex; gap: 60px; flex-wrap: wrap; }
.footer-col h4 { font-size: 12.5px; text-transform: uppercase; letter-spacing: 0.05em; color: var(--ink-faint); margin-bottom: 16px; }
.footer-col a { display: block; font-size: 13.5px; color: var(--ink-muted); margin-bottom: 10px; }
.footer-col a:hover { color: var(--ink); }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; flex-wrap: wrap; padding-top: 28px; border-top: 1px solid var(--border); font-size: 12px; color: var(--ink-faint); line-height: 1.7; }
.footer-bottom .legal { max-width: 640px; }

@media (max-width: 700px) { .footer-bottom { flex-direction: column; } }

/* ==========================================================================
   Reveal-on-scroll
   ========================================================================== */
.reveal.pre-reveal { opacity: 0; transform: translateY(18px); transition: opacity 0.7s ease, transform 0.7s ease; }
.reveal.pre-reveal.is-visible { opacity: 1; transform: translateY(0); }

.reveal.pre-reveal .program-card,
.reveal.pre-reveal .why-card,
.reveal.pre-reveal .credential,
.reveal.pre-reveal .referral-step,
.reveal.pre-reveal .area-card,
.reveal.pre-reveal .areas-grid.compact .area-cell {
  opacity: 0; transform: translateY(16px);
  transition: opacity 0.55s ease, transform 0.55s ease;
}
.reveal.pre-reveal.is-visible .program-card,
.reveal.pre-reveal.is-visible .why-card,
.reveal.pre-reveal.is-visible .credential,
.reveal.pre-reveal.is-visible .referral-step,
.reveal.pre-reveal.is-visible .area-card,
.reveal.pre-reveal.is-visible .areas-grid.compact .area-cell {
  opacity: 1; transform: translateY(0);
}
.programs-grid > :nth-child(1), .why-grid > :nth-child(1), .about-credentials > :nth-child(1), .referral-grid > :nth-child(1), .areas-grid > :nth-child(1) { transition-delay: 0.05s; }
.programs-grid > :nth-child(2), .why-grid > :nth-child(2), .about-credentials > :nth-child(2), .referral-grid > :nth-child(2), .areas-grid > :nth-child(2) { transition-delay: 0.12s; }
.programs-grid > :nth-child(3), .why-grid > :nth-child(3), .about-credentials > :nth-child(3), .referral-grid > :nth-child(3), .areas-grid > :nth-child(3) { transition-delay: 0.19s; }
.programs-grid > :nth-child(4), .why-grid > :nth-child(4) { transition-delay: 0.26s; }
.programs-grid > :nth-child(5) { transition-delay: 0.33s; }
.programs-grid > :nth-child(6) { transition-delay: 0.4s; }

/* ==========================================================================
   AI Assistant Chat Widget
   ========================================================================== */
.cw { position: fixed; right: 22px; bottom: 22px; z-index: 500; font-family: var(--font-body); }
.cw-launcher { width: 58px; height: 58px; border-radius: 50%; border: 2px solid var(--silver); background: var(--silver-gradient); cursor: pointer; display: flex; align-items: center; justify-content: center; box-shadow: 0 14px 32px rgba(0,0,0,0.45); transition: transform 0.2s ease; }
.cw-launcher:hover { transform: scale(1.06); }
.cw-launcher-icon, .cw-launcher-avatar { color: var(--on-silver); }
.cw-launcher-avatar { font-family: var(--font-head); font-weight: 700; font-size: 15px; }
.cw-panel { position: absolute; right: 0; bottom: 74px; width: 360px; max-width: calc(100vw - 32px); max-height: min(560px, 70vh); background: var(--bg-card); border: 1px solid var(--border); border-radius: 20px; box-shadow: 0 14px 32px rgba(0,0,0,0.45); display: flex; flex-direction: column; overflow: hidden; opacity: 0; transform: translateY(12px) scale(0.98); pointer-events: none; transition: opacity 0.22s ease, transform 0.22s ease; }
.cw.open .cw-panel { opacity: 1; transform: translateY(0) scale(1); pointer-events: auto; }
.cw-head { display: flex; align-items: center; gap: 11px; padding: 16px 16px 14px; border-bottom: 1px solid var(--border); }
.cw-avatar { width: 36px; height: 36px; border-radius: 50%; flex: none; background: var(--silver-gradient); color: var(--on-silver); display: flex; align-items: center; justify-content: center; font-family: var(--font-head); font-weight: 600; font-size: 13px; }
.cw-head-text { flex: 1; min-width: 0; }
.cw-head-text strong { display: block; font-family: var(--font-head); font-size: 14.5px; font-weight: 600; color: var(--ink); }
.cw-status { display: flex; align-items: center; gap: 5px; font-size: 11.5px; color: var(--ink-muted); text-transform: uppercase; letter-spacing: 0.03em; }
.cw-dot { width: 6px; height: 6px; border-radius: 50%; background: #3fae6a; display: inline-block; }
.cw-close { background: none; border: none; color: var(--ink-muted); font-size: 20px; line-height: 1; cursor: pointer; padding: 4px; }
.cw-body { flex: 1; overflow-y: auto; padding: 14px 16px; display: flex; flex-direction: column; gap: 10px; min-height: 120px; }
.cw-msg { display: flex; }
.cw-msg-bot { justify-content: flex-start; }
.cw-msg-user { justify-content: flex-end; }
.cw-bubble { max-width: 84%; padding: 10px 13px; border-radius: 14px; font-size: 13.5px; line-height: 1.55; white-space: pre-line; }
.cw-msg-bot .cw-bubble { background: var(--bg-raised); color: var(--ink); border-bottom-left-radius: 4px; }
.cw-msg-user .cw-bubble { background: var(--silver-gradient); color: var(--on-silver); border-bottom-right-radius: 4px; }
.cw-typing { display: flex; gap: 4px; padding: 10px 13px; background: var(--bg-raised); border-radius: 14px; border-bottom-left-radius: 4px; width: fit-content; }
.cw-typing span { width: 6px; height: 6px; border-radius: 50%; background: var(--ink-muted); opacity: 0.5; animation: cwTyping 1s infinite ease-in-out; }
.cw-typing span:nth-child(2) { animation-delay: 0.15s; }
.cw-typing span:nth-child(3) { animation-delay: 0.3s; }
@keyframes cwTyping { 0%, 60%, 100% { opacity: 0.35; transform: translateY(0); } 30% { opacity: 1; transform: translateY(-3px); } }
.cw-chips { display: flex; flex-wrap: wrap; gap: 7px; padding: 0 16px 12px; }
.cw-chip { background: var(--bg-raised); border: 1px solid var(--border); color: var(--ink-soft); font-size: 12px; padding: 7px 11px; border-radius: 100px; cursor: pointer; transition: background 0.15s ease, color 0.15s ease; font-family: var(--font-body); }
.cw-chip:hover { background: var(--silver); color: var(--on-silver); border-color: var(--silver); }
.cw-inputrow { display: flex; gap: 8px; padding: 12px 16px; border-top: 1px solid var(--border); }
.cw-input { flex: 1; border: 1px solid var(--border); background: var(--input-bg); color: var(--ink); border-radius: 100px; padding: 10px 14px; font-size: 13.5px; font-family: var(--font-body); outline: none; }
.cw-input:focus { border-color: var(--silver); }
.cw-send { width: 38px; height: 38px; border-radius: 50%; border: none; flex: none; cursor: pointer; background: var(--silver-gradient); color: var(--on-silver); display: flex; align-items: center; justify-content: center; }
.cw-foot { padding: 11px 16px; border-top: 1px solid var(--border); text-align: center; }
.cw-foot a { display: inline-flex; align-items: center; gap: 6px; font-size: 12.5px; color: var(--ink-soft); }
@media (max-width: 560px) {
  .cw { right: 14px; bottom: 14px; }
  .cw-panel { position: fixed; right: 10px; left: 10px; bottom: 86px; width: auto; max-height: min(72vh, 560px); }
}

/* ==========================================================================
   Qualification Funnel
   ========================================================================== */
.funnel-body { position: relative; overflow-x: hidden; min-height: 100vh; background: var(--bg); color: var(--ink-soft); transition: background-color 0.35s ease, color 0.35s ease; }
.funnel-bg-glow { position: fixed; z-index: 0; border-radius: 50%; pointer-events: none; background: radial-gradient(circle, rgba(199,203,209,0.14) 0%, rgba(0,0,0,0) 70%); transition: opacity 0.4s ease; }
.funnel-bg-glow-1 { top: -220px; left: -180px; width: 520px; height: 520px; animation: funnel-drift-1 19s ease-in-out infinite; }
.funnel-bg-glow-2 { bottom: -240px; right: -200px; width: 580px; height: 580px; background: radial-gradient(circle, rgba(199,203,209,0.1) 0%, rgba(0,0,0,0) 70%); animation: funnel-drift-2 23s ease-in-out infinite; }
.funnel-bg-glow-3 { top: 45%; left: 50%; width: 380px; height: 380px; background: radial-gradient(circle, rgba(199,203,209,0.07) 0%, rgba(0,0,0,0) 70%); animation: funnel-drift-3 27s ease-in-out infinite; }
@keyframes funnel-drift-1 { 0%, 100% { transform: translate(0, 0); } 50% { transform: translate(70px, 50px); } }
@keyframes funnel-drift-2 { 0%, 100% { transform: translate(0, 0); } 50% { transform: translate(-60px, -40px); } }
@keyframes funnel-drift-3 { 0%, 100% { transform: translate(-50%, 0) scale(1); } 50% { transform: translate(-50%, -50px) scale(1.12); } }
@media (prefers-reduced-motion: reduce) { .funnel-bg-glow-1, .funnel-bg-glow-2, .funnel-bg-glow-3 { animation: none; } }

/* Light theme gets its own softer glow tones plus an animated dot-grid so the
   background still feels alive instead of flattening to plain white. */
:root[data-theme="light"] .funnel-bg-glow-1,
:root[data-theme="light"] .funnel-bg-glow-2,
:root[data-theme="light"] .funnel-bg-glow-3 { background: radial-gradient(circle, rgba(84,86,92,0.09) 0%, rgba(255,255,255,0) 72%); }
.funnel-grid {
  position: fixed; inset: 0; z-index: 0; pointer-events: none; opacity: 0;
  background-image: radial-gradient(rgba(20,21,24,0.12) 1px, transparent 1px);
  background-size: 28px 28px;
  transition: opacity 0.4s ease;
}
:root[data-theme="light"] .funnel-grid { opacity: 1; animation: funnel-grid-drift 40s linear infinite; }
@keyframes funnel-grid-drift { from { background-position: 0 0; } to { background-position: 140px 140px; } }
@media (prefers-reduced-motion: reduce) { .funnel-grid { animation: none; } }

.funnel-nav, .funnel-wrap { position: relative; z-index: 1; }
.funnel-nav { padding: 22px 0; border-bottom: 1px solid var(--border); }
.funnel-nav .wrap { display: flex; align-items: center; justify-content: space-between; }
.funnel-nav-right { display: flex; align-items: center; gap: 12px; }
.funnel-exit { font-size: 13px; color: var(--ink-muted); display: inline-flex; align-items: center; gap: 6px; transition: color 0.2s ease; }
.funnel-exit:hover { color: var(--ink); }
@media (max-width: 420px) {
  .funnel-nav-right { gap: 8px; }
  .funnel-nav-right .icon-toggle { height: 38px; min-width: 38px; padding: 0 10px; }
}

.funnel-wrap { max-width: 620px; margin: 0 auto; padding: 48px 24px 100px; }
.funnel-progress { width: 100%; height: 4px; border-radius: 999px; background: var(--border); overflow: hidden; margin-bottom: 14px; }
.funnel-progress-bar { height: 100%; width: 16.66%; background: var(--silver-gradient); transition: width 0.4s ease; }
.funnel-step-label { font-size: 12px; letter-spacing: 0.05em; text-transform: uppercase; color: var(--ink-faint); margin-bottom: 36px; text-align: center; }

.funnel-card { position: relative; min-height: 360px; }
.funnel-step { display: none; text-align: center; animation: funnel-step-in 0.45s ease; }
.funnel-step.is-active { display: block; }
@keyframes funnel-step-in { from { opacity: 0; transform: translateY(14px); } to { opacity: 1; transform: translateY(0); } }
@media (prefers-reduced-motion: reduce) { .funnel-step { animation: none; } }

.funnel-step .eyebrow {
  display: inline-flex; font-family: var(--font-head); font-size: 11.5px; font-weight: 600;
  letter-spacing: 0.12em; text-transform: uppercase; color: var(--silver-light);
  background: rgba(199,203,209,0.09); border: 1px solid rgba(199,203,209,0.26);
  border-radius: 999px; padding: 7px 16px; margin-bottom: 18px;
}
.funnel-step h2 { font-family: var(--font-head); font-weight: 600; color: var(--ink); font-size: clamp(22px, 3vw, 30px); line-height: 1.25; }
.funnel-sub { margin-top: 12px; color: var(--ink-muted); font-size: 15px; line-height: 1.6; }

.funnel-step .field { margin-top: 24px; }
.funnel-step .field label { display: block; font-size: 12.5px; color: var(--ink-faint); letter-spacing: 0.03em; margin-bottom: 8px; text-transform: uppercase; font-weight: 500; }
.funnel-step .field input {
  width: 100%; background: var(--input-bg); border: 1px solid var(--border-strong); border-radius: 6px; color: var(--ink);
  font-size: 16px; font-family: var(--font-body); padding: 15px 16px; outline: none; text-align: center;
  transition: border-color 0.2s ease;
}
.funnel-step .field input:focus { border-color: var(--silver); }
.funnel-step .btn { margin-top: 28px; }

.funnel-choices { display: grid; gap: 12px; margin-top: 28px; }
.funnel-choice {
  text-align: center; padding: 18px 20px; background: var(--bg-card); border: 1px solid var(--border); border-radius: 10px;
  color: var(--ink-soft); font-family: var(--font-body); font-size: 15.5px; font-weight: 500; cursor: pointer;
  transition: border-color 0.2s ease, background 0.2s ease, transform 0.15s ease;
}
.funnel-choice:hover { border-color: rgba(199,203,209,0.4); transform: translateX(2px); }
.funnel-choice.is-selected { border-color: var(--silver); background: rgba(199,203,209,0.1); color: var(--ink); }

.funnel-chips { display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; margin-top: 24px; }
.funnel-chip {
  padding: 11px 18px; background: var(--bg-card); border: 1px solid var(--border); border-radius: 999px;
  color: var(--ink-soft); font-family: var(--font-body); font-size: 14px; font-weight: 500; cursor: pointer;
  transition: border-color 0.2s ease, background 0.2s ease, color 0.2s ease;
}
.funnel-chip:hover { border-color: rgba(199,203,209,0.4); }
.funnel-chip.is-selected { border-color: var(--silver); background: var(--silver-gradient); color: var(--on-silver); }

.funnel-back { display: inline-block; margin-top: 20px; background: none; border: none; color: var(--ink-faint); font-size: 13.5px; font-family: var(--font-body); cursor: pointer; transition: color 0.2s ease; }
.funnel-back:hover { color: var(--ink-soft); }

.funnel-step-final { text-align: center; }
.funnel-success { max-width: 480px; margin: 0 auto 32px; }
.funnel-success-icon { display: flex; align-items: center; justify-content: center; width: 52px; height: 52px; margin: 0 auto 18px; border-radius: 50%; background: var(--silver-gradient); color: var(--on-silver); }
.funnel-step-final .funnel-sub { max-width: 420px; margin-left: auto; margin-right: auto; }
.calendly-inline-widget { border-radius: 12px; overflow: hidden; background: var(--bg-raised); }
.funnel-note { margin-top: 20px; font-size: 13px; color: var(--ink-faint); }
.funnel-note a { color: var(--silver-light); }

@media (max-width: 560px) {
  .funnel-wrap { padding: 32px 18px 80px; }
  .funnel-choice { padding: 16px 18px; font-size: 15px; }
}