/* Home financing site: single stylesheet, no external fonts (zero font CLS, fastest LCP). */
:root {
  --navy: #0b2545;
  --navy-2: #134074;
  --teal: #0f766e;
  --teal-2: #12867a;
  --amber: #f59e0b;
  --amber-2: #d97706;
  --ink: #0f172a;
  --muted: #475569;
  --line: #cbd5e1;
  --bg: #ffffff;
  --tint: #f8fafc;
  --card: #ffffff;
  --danger: #b42318;
  --danger-bg: #fdecea;
  --ok-bg: #e7f6f2;
  --radius: 14px;
  --shadow: 0 2px 4px rgba(11, 37, 69, .06), 0 10px 30px rgba(11, 37, 69, .09);
  --font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  --max: 1180px;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; scroll-padding-top: 88px; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }
body { margin: 0; font-family: var(--font); font-size: 1.0625rem; line-height: 1.6; color: var(--ink); background: var(--bg); }
img, svg { max-width: 100%; height: auto; }
a { color: var(--teal); text-underline-offset: 2px; }
a:hover { color: var(--navy); }
h1, h2, h3 { line-height: 1.2; color: var(--navy); margin: 0 0 .6em; letter-spacing: -.01em; }
h1 { font-size: clamp(2rem, 4.2vw, 3.1rem); font-weight: 800; }
h2 { font-size: clamp(1.5rem, 2.6vw, 2.05rem); font-weight: 750; }
h3 { font-size: 1.2rem; font-weight: 700; }
p { margin: 0 0 1em; }
:focus-visible { outline: 3px solid var(--amber-2); outline-offset: 2px; border-radius: 4px; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 820px; }
.center { text-align: center; }
.small { font-size: .875rem; color: var(--muted); }
.sr-only { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip-link { position: absolute; left: 12px; top: -60px; background: var(--navy); color: #fff; padding: 10px 16px; border-radius: 8px; z-index: 100; }
.skip-link:focus { top: 12px; color: #fff; }
.eyebrow { text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; font-weight: 700; color: var(--teal); margin-bottom: .75em; }
.lead { font-size: 1.2rem; color: var(--muted); max-width: 46em; }
.optional { font-weight: 400; color: var(--muted); font-size: .875rem; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .5em; padding: .8em 1.4em; border-radius: 10px; border: 2px solid transparent; font: inherit; font-weight: 700; line-height: 1.2; text-decoration: none; cursor: pointer; transition: background .15s, color .15s, border-color .15s, transform .15s; }
.btn:active { transform: translateY(1px); }
.btn-primary { background: var(--teal); color: #fff; }
.btn-primary:hover { background: var(--navy); color: #fff; }
.btn-secondary { background: #fff; color: var(--navy); border-color: var(--navy); }
.btn-secondary:hover { background: var(--navy); color: #fff; }
.btn-accent { background: var(--amber); color: var(--navy); }
.btn-accent:hover { background: #fff; color: var(--navy); }
.btn-ghost-light { color: #fff; border-color: rgba(255,255,255,.6); }
.btn-ghost-light:hover { background: #fff; color: var(--navy); }
.btn-lg { padding: .95em 1.6em; font-size: 1.05rem; }
.btn-sm { padding: .55em 1em; font-size: .95rem; }
.btn-block { display: flex; width: 100%; }

/* Header */
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.97); border-bottom: 1px solid var(--line); }
.header-inner { display: flex; align-items: center; gap: 24px; min-height: 72px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-weight: 800; font-size: 1.15rem; }
.brand:hover { color: var(--navy); }
.brand-light, .brand-light:hover { color: #fff; }
.logo-mark { flex: 0 0 auto; width: 44px; height: 44px; }

/* Wordmark: gold italic signature line over tracked navy caps, set off by a hairline gold rule. */
.wordmark { display: grid; gap: 3px; line-height: 1; padding-left: 12px; border-left: 2px solid rgba(238, 158, 27, .55); }
.wm-lead { display: flex; align-items: center; gap: 8px; font-family: Georgia, "Iowan Old Style", "Palatino Linotype", "Times New Roman", serif; font-style: italic; font-weight: 400; font-size: 1.12rem; color: #c97f09; letter-spacing: .01em; }
.wm-lead::after { content: ""; flex: 0 0 26px; height: 1.5px; background: linear-gradient(90deg, #ee9e1b, rgba(238, 158, 27, 0)); }
.wm-main { font-family: var(--font); font-weight: 800; font-size: .86rem; letter-spacing: .17em; text-transform: uppercase; color: #112b4c; white-space: nowrap; }
.brand-light .wm-lead { color: #f5b041; }
.brand-light .wm-main { color: #fff; }
@media (max-width: 420px) { .wm-lead { font-size: 1rem; } .wm-main { font-size: .74rem; letter-spacing: .12em; } .logo-mark { width: 38px; height: 38px; } }
.desktop-nav { margin-left: auto; }
.desktop-nav ul, .mobile-nav ul { list-style: none; margin: 0; padding: 0; }
.desktop-nav ul { display: flex; gap: 4px; }
.desktop-nav a { display: block; padding: 8px 12px; border-radius: 8px; color: var(--ink); text-decoration: none; font-weight: 600; font-size: .98rem; }
.desktop-nav a:hover, .desktop-nav a[aria-current="page"] { background: var(--tint); color: var(--teal); }
.header-actions { display: flex; align-items: center; gap: 14px; }
.nav-phone { display: inline-flex; align-items: center; gap: 6px; color: var(--navy); font-weight: 700; text-decoration: none; white-space: nowrap; }
.mobile-nav { display: none; }
@media (max-width: 1080px) {
  .desktop-nav, .header-actions .nav-phone { display: none; }
  .header-actions { margin-left: auto; }
  .mobile-nav { display: block; }
  .mobile-nav summary { list-style: none; cursor: pointer; width: 44px; height: 44px; display: grid; place-items: center; border-radius: 10px; border: 1px solid var(--line); }
  .mobile-nav summary::-webkit-details-marker { display: none; }
  .burger, .burger::before, .burger::after { display: block; width: 20px; height: 2px; background: var(--navy); border-radius: 2px; position: relative; }
  .burger::before, .burger::after { content: ""; position: absolute; left: 0; }
  .burger::before { top: -6px; } .burger::after { top: 6px; }
  .mobile-nav[open] .burger { background: transparent; }
  .mobile-nav[open] .burger::before { top: 0; transform: rotate(45deg); }
  .mobile-nav[open] .burger::after { top: 0; transform: rotate(-45deg); }
  .mobile-nav nav { position: absolute; left: 0; right: 0; top: 72px; background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); padding: 12px 20px 20px; display: grid; gap: 12px; }
  .mobile-nav a:not(.btn) { display: block; padding: 12px 4px; border-bottom: 1px solid var(--line); color: var(--ink); text-decoration: none; font-weight: 600; }
  .mobile-nav .nav-phone { border-bottom: 0; }
}
@media (max-width: 420px) { .header-actions .btn { display: none; } }

/* Breadcrumbs */
.breadcrumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 6px; padding: 14px 0 0; margin: 0; font-size: .9rem; color: var(--muted); }
.breadcrumbs li + li::before { content: "/"; margin-right: 6px; color: #9fb0bc; }
.breadcrumbs a { color: var(--muted); }

/* Sections */
.section { padding: 64px 0; }
.section-flush { padding-top: 8px; }
.section-tint { background: var(--tint); }
.section-head { max-width: 760px; margin: 0 auto 36px; text-align: center; }
.section-head p { color: var(--muted); font-size: 1.1rem; }
.page-hero { padding: 48px 0 40px; background: linear-gradient(180deg, var(--tint), #fff); }
.page-hero-tight { padding: 36px 0 28px; }

/* Hero */
.hero { padding: 56px 0 64px; background: linear-gradient(180deg, #eaf4f7 0%, #fff 100%); }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: center; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 24px 0; }
.checks { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: 1fr 1fr; gap: 8px 20px; }
.checks li { padding-left: 28px; position: relative; font-weight: 600; color: var(--ink); }
.checks li::before { content: ""; position: absolute; left: 0; top: .3em; width: 18px; height: 18px; border-radius: 50%; background: var(--teal-2) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='m5 10 3.5 3.5L15 7' fill='none' stroke='%23fff' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat; }
.hero-visual { position: relative; }
.hero-art { display: block; width: 100%; height: auto; aspect-ratio: 560 / 400; }
.hero-media-wrap {
  position: relative;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 16px 40px rgba(11, 37, 69, 0.16), 0 2px 8px rgba(11, 37, 69, 0.08);
  border: 1px solid rgba(11, 37, 69, 0.1);
  background: #f0f4f8;
}
.hero-media-img {
  display: block;
  width: 100%;
  height: auto;
  aspect-ratio: 16 / 10;
  object-fit: cover;
  transition: transform .4s ease;
}
.hero-media-wrap:hover .hero-media-img {
  transform: scale(1.02);
}
.hero-media-badge {
  position: absolute;
  top: 14px;
  right: 14px;
  display: inline-flex;
  align-items: center;
  gap: 7px;
  background: rgba(11, 37, 69, 0.9);
  backdrop-filter: blur(8px);
  -webkit-backdrop-filter: blur(8px);
  color: #fff;
  font-size: 0.82rem;
  font-weight: 700;
  padding: 7px 14px;
  border-radius: 999px;
  box-shadow: 0 4px 14px rgba(0, 0, 0, 0.22);
  border: 1px solid rgba(255, 255, 255, 0.22);
}
.hero-media-badge svg { color: var(--amber); flex-shrink: 0; }
.rate-badge { position: absolute; left: -12px; bottom: -18px; background: #fff; border-radius: var(--radius); box-shadow: var(--shadow); padding: 14px 20px; text-decoration: none; color: var(--ink); display: grid; border: 1px solid var(--line); z-index: 2; }
.rate-badge strong { font-size: 2rem; color: var(--navy); line-height: 1.1; }
.rate-badge-label { font-size: .85rem; font-weight: 700; color: var(--teal); text-transform: uppercase; letter-spacing: .05em; }
.rate-badge-date { font-size: .8rem; color: var(--muted); }
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 36px; }
  .hero-visual { max-width: 560px; }
  .checks { grid-template-columns: 1fr; }
}

/* Cards & grids */
.card { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow); }
.program-grid, .article-grid, .features, .steps { list-style: none; margin: 0; padding: 0; display: grid; gap: 20px; }
.program-grid { grid-template-columns: repeat(auto-fill, minmax(280px, 1fr)); margin-bottom: 28px; }
.program-card { padding: 24px; display: flex; flex-direction: column; position: relative; }
.program-card h2, .program-card h3 { font-size: 1.25rem; margin-bottom: .4em; }
.program-card h2 a, .program-card h3 a { color: var(--navy); text-decoration: none; }
.program-card h2 a::after, .program-card h3 a::after { content: ""; position: absolute; inset: 0; border-radius: var(--radius); }
.program-card:hover { border-color: var(--teal-2); }
.program-card p { color: var(--muted); }
.card-rate { margin-top: auto; display: flex; align-items: baseline; gap: 8px; color: var(--ink) !important; }
.card-rate strong { font-size: 1.6rem; color: var(--navy); }
.card-rate span { font-size: .9rem; }
.card-link { font-weight: 700; text-decoration: none; }
.tags { display: flex; gap: 6px; flex-wrap: wrap; margin-bottom: 12px; }
.tag { display: inline-block; font-size: .78rem; font-weight: 700; padding: 3px 10px; border-radius: 99px; background: #e2f2ef; color: var(--teal); }
.tag-muted { background: #edf2f5; color: var(--muted); }
.article-grid { grid-template-columns: repeat(auto-fill, minmax(300px, 1fr)); }
.article-card { padding: 24px; }
.article-card h2, .article-card h3 { font-size: 1.15rem; }
.article-card h2 a, .article-card h3 a { color: var(--navy); text-decoration: none; }
.article-card h2 a:hover, .article-card h3 a:hover { color: var(--teal); text-decoration: underline; }
.article-card p { color: var(--muted); margin-bottom: .5em; }
.features { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.feature { padding: 8px 4px; }
.feature svg { color: var(--teal); margin-bottom: 8px; }
.feature p { color: var(--muted); }
.steps { grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); counter-reset: none; margin-bottom: 24px; }
.step { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.step p { color: var(--muted); margin: 0; }
.step-n { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800; margin-bottom: 12px; }

/* Facts */
.facts { display: grid; grid-template-columns: repeat(auto-fit, minmax(190px, 1fr)); gap: 14px; margin: 0 0 20px; }
.facts > div { background: var(--tint); border-radius: 12px; padding: 16px 18px; }
.facts dt { font-size: .85rem; color: var(--muted); font-weight: 600; }
.facts dd { margin: 4px 0 0; font-size: 1.3rem; font-weight: 800; color: var(--navy); }
.facts-plain dd { font-size: 1rem; font-weight: 600; }
.example-note { font-size: .92rem; color: var(--muted); background: #fff; border-left: 4px solid var(--amber); padding: 12px 16px; border-radius: 0 10px 10px 0; }

/* Tables */
.table-wrap { overflow-x: auto; -webkit-overflow-scrolling: touch; margin: 0 0 20px; border: 1px solid var(--line); border-radius: 12px; background: #fff; }
table { width: 100%; border-collapse: collapse; font-size: .97rem; }
caption { text-align: left; padding: 12px 16px; font-weight: 700; color: var(--navy); }
th, td { padding: 12px 16px; text-align: left; border-bottom: 1px solid var(--line); vertical-align: top; }
thead th { background: var(--tint); font-size: .85rem; text-transform: uppercase; letter-spacing: .03em; color: var(--muted); white-space: nowrap; }
tbody tr:last-child th, tbody tr:last-child td { border-bottom: 0; }
td.num { font-variant-numeric: tabular-nums; white-space: nowrap; }
td.strong { font-weight: 800; color: var(--navy); font-size: 1.1rem; }
.examples { margin-top: 24px; }
.examples h3 { font-size: 1.05rem; }
.examples ul { padding-left: 1.2em; color: var(--muted); font-size: .92rem; }
.examples li { margin-bottom: .5em; }

/* Calculator */
.calc { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 0; overflow: hidden; }
.calc-form { padding: 28px; border-right: 1px solid var(--line); }
.calc-title { font-size: 1.35rem; }
.calc-results { padding: 28px; background: linear-gradient(180deg, #f7fbfc, #fff); }
.calc-fineprint { grid-column: 1 / -1; margin: 0; padding: 16px 28px 20px; border-top: 1px solid var(--line); background: #fbfdfe; }
.result-label { margin: 0; font-weight: 700; color: var(--muted); line-height: 1.3; }
.result-big { font-size: clamp(2.4rem, 5vw, 3.2rem); font-weight: 800; color: var(--navy); margin: 4px 0 14px; font-variant-numeric: tabular-nums; line-height: 1.1; }
.rate-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 18px; }
.rate-pair > div { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 10px 14px; }
.rate-pair span { display: block; font-size: .82rem; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; }
.rate-pair strong { font-size: 1.45rem; color: var(--navy); font-variant-numeric: tabular-nums; }
.result-list { margin: 0 0 16px; display: grid; gap: 0; }
.result-list > div { display: flex; justify-content: space-between; gap: 12px; padding: 8px 0; border-bottom: 1px dashed var(--line); }
.result-list dt { color: var(--muted); }
.result-list dd { margin: 0; font-weight: 700; font-variant-numeric: tabular-nums; }
.result-list .total-row dd { color: var(--teal); }
.calc-notice { background: #fff7e6; border: 1px solid #f3d39b; color: #7a4b00; padding: 10px 14px; border-radius: 10px; font-size: .92rem; }
.calc-disclosure { font-size: .85rem; color: var(--muted); }
.schedule { margin-top: 16px; }
.schedule summary, .extras summary { cursor: pointer; font-weight: 700; color: var(--teal); padding: 6px 0; }
.schedule .table-wrap { max-height: 320px; overflow-y: auto; margin-top: 8px; }
.schedule table { font-size: .88rem; }
.schedule th, .schedule td { padding: 8px 12px; }
.extras { margin: 6px 0 16px; border: 1px dashed var(--line); border-radius: 12px; padding: 6px 14px; }
.extras[open] { padding-bottom: 12px; }
.calc-submit { margin-top: 4px; }
@media (max-width: 860px) {
  .calc { grid-template-columns: 1fr; }
  .calc-form { border-right: 0; border-bottom: 1px solid var(--line); }
  .calc-form, .calc-results { padding: 22px; }
}

/* Forms */
.form { padding: 28px; }
fieldset { border: 0; padding: 0; margin: 0 0 20px; min-width: 0; }
legend { font-size: 1.2rem; font-weight: 800; color: var(--navy); margin-bottom: 12px; padding: 0; }
.field { margin-bottom: 16px; min-width: 0; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 0 16px; }
.field-row .field-pct { max-width: 140px; }
.calc .field-row { grid-template-columns: 1fr auto; }
@media (max-width: 560px) { .field-row:not(.calc .field-row) { grid-template-columns: 1fr; } }
label, .label { display: block; font-weight: 700; margin-bottom: 6px; font-size: .95rem; }
input:not([type="radio"]):not([type="checkbox"]), select, textarea {
  width: 100%; font: inherit; color: var(--ink); background: #fff; border: 1.5px solid #b9c8d2; border-radius: 10px; padding: .65em .8em; min-height: 46px;
}
input:focus, select:focus, textarea:focus { border-color: var(--teal); outline: 3px solid rgba(18, 134, 122, .25); outline-offset: 0; }
[aria-invalid="true"] { border-color: var(--danger) !important; }
.input-prefix, .input-suffix { position: relative; }
.input-prefix span { position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 700; pointer-events: none; }
.input-prefix input { padding-left: 1.7em !important; }
.input-suffix span { position: absolute; right: 12px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 700; pointer-events: none; }
.input-suffix input { padding-right: 1.9em !important; }
.hint { font-size: .87rem; color: var(--muted); margin: -8px 0 12px; }
.field .hint { margin: 6px 0 0; }
.field-error { color: var(--danger); font-size: .9rem; font-weight: 600; margin: 6px 0 0; }
.choices { display: flex; flex-wrap: wrap; gap: 8px; }
.choice { display: inline-flex; align-items: center; gap: 8px; border: 1.5px solid #b9c8d2; border-radius: 10px; padding: 10px 14px; font-weight: 600; cursor: pointer; margin: 0; }
.choice:has(input:checked) { border-color: var(--teal); background: #e7f6f2; }
.choice input { accent-color: var(--teal); width: 18px; height: 18px; margin: 0; }
.consent { display: flex; gap: 12px; align-items: flex-start; font-weight: 400; font-size: .88rem; color: var(--muted); }
.consent input { width: 20px; height: 20px; margin-top: 2px; flex: 0 0 auto; accent-color: var(--teal); }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.alert { padding: 14px 18px; border-radius: 10px; margin-bottom: 16px; font-weight: 600; }
.alert-error { background: var(--danger-bg); color: var(--danger); border: 1px solid #f5c2bd; }
.alert-ok { background: var(--ok-bg); color: var(--teal); border: 1px solid #b6e3d8; }
.contact-grid { display: grid; grid-template-columns: 1.4fr .8fr; gap: 28px; align-items: start; }
.contact-card { padding: 24px; }
.contact-card h2 { font-size: 1.25rem; }
@media (max-width: 860px) { .contact-grid { grid-template-columns: 1fr; } }
.success-icon { margin-bottom: 12px; }

/* FAQ */
.faq-list { display: grid; gap: 12px; margin-bottom: 24px; }
.faq { background: #fff; border: 1px solid var(--line); border-radius: 12px; }
.faq summary { list-style: none; cursor: pointer; padding: 16px 52px 16px 20px; position: relative; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%); font-size: 1.5rem; font-weight: 400; color: var(--teal); }
.faq[open] summary::after { content: "–"; }
.faq-q { font-size: 1.05rem; margin: 0; color: var(--navy); }
.faq-a { padding: 0 20px 6px; color: var(--muted); }

/* Prose */
.prose h2 { margin-top: 1.6em; }
.prose h3 { margin-top: 1.3em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin-bottom: .4em; }
.prose .table-wrap { margin: 1em 0 1.5em; }
.answer { font-size: 1.1rem; background: var(--tint); border-left: 4px solid var(--teal); padding: 16px 20px; border-radius: 0 12px 12px 0; }
.byline { font-size: .92rem; color: var(--muted); }
.callout { background: #eaf4f7; border-radius: var(--radius); padding: 20px 24px; margin: 2em 0 1em; }
.callout h2 { margin-top: 0; font-size: 1.25rem; }

/* CTA band */
.cta-band { background: var(--navy); color: #fff; padding: 48px 0; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #c9dbe5; margin: 0; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 24px; flex-wrap: wrap; }
.cta-actions { display: flex; gap: 12px; flex-wrap: wrap; }

/* Footer */
.site-footer { background: #072a3c; color: #c4d6e0; padding: 56px 0 24px; font-size: .95rem; }
.site-footer a { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 32px; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: 8px; }
.footer-grid li a { color: #c4d6e0; text-decoration: none; }
.footer-grid li a:hover { color: #fff; text-decoration: underline; }
.footer-h { color: #fff; font-size: 1rem; margin-bottom: 14px; }
.footer-brand p { margin: 12px 0 0; }
.footer-legal { border-top: 1px solid rgba(255,255,255,.12); margin-top: 40px; padding-top: 24px; }
.footer-legal .small { color: #9fb6c3; }
.legal-ids { display: flex; gap: 16px; align-items: center; flex-wrap: wrap; margin-bottom: 12px; }
.legal-ids p { margin: 0; }
.eho { display: inline-flex; align-items: center; gap: 10px; font-weight: 700; color: #fff; }
@media (max-width: 900px) { .footer-grid { grid-template-columns: 1fr 1fr; } .footer-brand { grid-column: 1 / -1; } }
@media (max-width: 520px) { .footer-grid { grid-template-columns: 1fr; } .section { padding: 48px 0; } }

@media print {
  .site-header, .site-footer, .cta-band, .hero-actions, .btn { display: none !important; }
  .calc { grid-template-columns: 1fr; box-shadow: none; }
}

/* Department email list (contact page + footer) */
.email-list { list-style: none; margin: 0 0 16px; padding: 0; display: grid; gap: 10px; }
.email-list li { display: grid; gap: 1px; }
.email-list span { font-size: .82rem; font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .04em; }
.email-list a { word-break: break-all; font-weight: 600; }
.h-small { font-size: 1rem; margin: 18px 0 10px; }
.site-footer .email-list { margin-top: 14px; }
.site-footer .email-list span { color: #9fb6c3; }