/* Concatenated design-system.css — rebuilt 2026-04-24 (canonical header/footer) */

/* ============== tokens.css ============== */
/* ============================================================
   tokens.css — global design tokens
   Single source of truth. Every site + page reads from here.
   ============================================================ */

:root {
  /* Container + layout */
  --container-max: 1180px;
  --container-sm: 720px;
  --section-padding-y: clamp(56px, 7vw, 96px);
  --section-gap: clamp(24px, 4vw, 48px);
  --card-gap: 24px;

  /* Radius */
  --radius-card: 24px;
  --radius-glow-card: 22px;
  --radius-button: 100px;
  --radius-field: 14px;
  --radius-pill: 100px;
  --radius-chip: 12px;

  /* Typography */
  --font-family: 'Sora', system-ui, -apple-system, 'Segoe UI', Roboto, sans-serif;
  --h1-size: clamp(36px, 6vw, 64px);
  --h2-size: clamp(26px, 4vw, 42px);
  --h3-size: 18px;
  --body-size: 16px;
  --fine-size: 12px;
  --label-size: 11px;

  /* Line height */
  --lh-tight: 1.05;
  --lh-snug: 1.25;
  --lh-base: 1.55;
  --lh-loose: 1.75;

  /* Color — ink + surface */
  --ink: #0a0a0a;
  --ink-soft: #374151;
  --muted: #6B7280;
  --muted-2: #9CA3AF;
  --muted-3: #D1D5DB;
  --border: #F0F0F0;
  --border-2: #E5E7EB;
  --surface: #FAFAFA;
  --surface-2: #F9FAFB;
  --white: #ffffff;

  /* Color — brand accent + semantic */
  --accent: #DC2626;
  --accent-hover: #B91C1C;
  --accent-soft: #FEF2F2;
  --success: #22C55E;
  --success-soft: #F0FDF4;
  --warn: #F59E0B;
  --warn-soft: #FEF3C7;
  --danger: #EF4444;
  --danger-soft: #FEE2E2;
  --info: #3B82F6;
  --info-soft: #DBEAFE;

  /* Shadows */
  --shadow-card: 0 1px 3px rgba(10, 10, 10, .04), 0 8px 32px rgba(10, 10, 10, .04);
  --shadow-hover: 0 2px 8px rgba(10, 10, 10, .06), 0 16px 48px rgba(10, 10, 10, .08);
  --shadow-button: 0 2px 6px rgba(220, 38, 38, .15);

  /* Motion */
  --ease-out: cubic-bezier(.16, 1, .3, 1);
  --dur-fast: .15s;
  --dur-base: .25s;
  --dur-slow: .5s;

  /* Z-index scale */
  --z-nav: 50;
  --z-modal: 100;
  --z-toast: 150;

  /* Focus ring (WCAG 2.2 focus visible) */
  --focus-ring: 0 0 0 3px rgba(220, 38, 38, .35);
}

/* Reduced-motion honoring is global */
@media (prefers-reduced-motion: reduce) {
  :root {
    --dur-fast: .001ms;
    --dur-base: .001ms;
    --dur-slow: .001ms;
  }
}


/* ============== layout.css ============== */
/* ============================================================
   layout.css — container, section, wrap
   Depends on tokens.css.
   ============================================================ */

/* Reset only where needed (don't fight site's existing base) */
*, *::before, *::after { box-sizing: border-box; }

/* The only horizontal container */
.wrap {
  max-width: var(--container-max);
  margin-left: auto;
  margin-right: auto;
  padding-left: clamp(16px, 4vw, 48px);
  padding-right: clamp(16px, 4vw, 48px);
}

.wrap-sm {
  max-width: var(--container-sm);
  margin-left: auto;
  margin-right: auto;
  padding-left: clamp(16px, 4vw, 48px);
  padding-right: clamp(16px, 4vw, 48px);
}

/* Every major section */
.section {
  padding-top: var(--section-padding-y);
  padding-bottom: var(--section-padding-y);
}

.section + .section { /* optional hairline divider if tokens request it */ }

.section-alt {
  background: var(--surface);
}

/* Eyebrow + section heading rhythm */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 14px;
  background: var(--white);
  border: 1px solid rgba(220, 38, 38, .15);
  border-radius: var(--radius-pill);
  font-size: var(--label-size);
  font-weight: 600;
  color: var(--accent);
  letter-spacing: 1px;
  text-transform: uppercase;
  margin-bottom: 16px;
}

h1, h2, h3 { color: var(--ink); line-height: var(--lh-snug); letter-spacing: -0.5px; }
h1 { font-size: var(--h1-size); font-weight: 200; letter-spacing: -3px; line-height: var(--lh-tight); margin-bottom: 20px; }
h1 b, h1 strong { color: var(--accent); font-weight: 500; }
h2 { font-size: var(--h2-size); font-weight: 200; letter-spacing: -1.8px; margin-bottom: 16px; }
h2 b, h2 strong { font-weight: 500; }
h3 { font-size: var(--h3-size); font-weight: 500; letter-spacing: -0.4px; margin-bottom: 10px; }

.sub {
  font-size: clamp(15px, 2vw, 19px);
  color: var(--muted);
  max-width: 620px;
  margin-bottom: 28px;
  line-height: var(--lh-base);
  font-weight: 400;
}

/* CTA row */
.cta-row {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  align-items: center;
  margin-top: 20px;
}

/* Full-bleed section (breaks the rule intentionally) */
.section-full {
  padding-left: 0;
  padding-right: 0;
}
.section-full .wrap {
  max-width: none;
  padding: 0;
}


/* ============== cards.css ============== */
/* ============================================================
   cards.css — equal-height card grid, responsive column counts
   Depends on tokens.css.
   ============================================================ */

/* Mobile-first: always 1 column by default */
.card-grid {
  display: grid;
  gap: var(--card-gap);
  align-items: stretch;
  grid-template-columns: 1fr;
}

/* Explicit variants */
.card-grid-2,
.card-grid-3,
.card-grid-4,
.card-grid-6 {
  display: grid;
  gap: var(--card-gap);
  align-items: stretch;
  grid-template-columns: 1fr;
}

/* Tablet (≥768): 2 columns for anything ≥2 */
@media (min-width: 768px) {
  .card-grid-2,
  .card-grid-3,
  .card-grid-4,
  .card-grid-6 {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

/* Desktop (≥1024): intended column count */
@media (min-width: 1024px) {
  .card-grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .card-grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .card-grid-6 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
}

/* Wide (≥1280): promote 6-card to 6 if space allows; keep 4 as 4 */
@media (min-width: 1280px) {
  .card-grid-6 { grid-template-columns: repeat(6, minmax(0, 1fr)); }
}

/* Card anatomy — equal height via flex column */
.card {
  height: 100%;
  display: flex;
  flex-direction: column;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: var(--radius-card);
  padding: 24px;
  transition: border-color var(--dur-base) var(--ease-out),
              box-shadow var(--dur-base) var(--ease-out),
              transform var(--dur-base) var(--ease-out);
}

.card:hover {
  border-color: rgba(220, 38, 38, .3);
  box-shadow: var(--shadow-hover);
}

.card-ico {
  width: 44px;
  height: 44px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: var(--accent-soft);
  color: var(--accent);
  border-radius: 12px;
  margin-bottom: 16px;
}

.card-ico svg {
  width: 22px;
  height: 22px;
  stroke: currentColor;
  fill: none;
  stroke-width: 1.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.card-title {
  font-size: var(--h3-size);
  font-weight: 500;
  color: var(--ink);
  margin-bottom: 8px;
  letter-spacing: -0.3px;
}

.card-body {
  flex: 1;
  font-size: 14px;
  color: var(--muted);
  line-height: var(--lh-base);
  margin-bottom: 16px;
}

.card-cta {
  margin-top: auto;
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 13px;
  font-weight: 500;
  color: var(--accent);
  padding-top: 14px;
  border-top: 1px solid var(--border);
}

.card-cta svg {
  width: 14px;
  height: 14px;
  transition: transform var(--dur-base) var(--ease-out);
}
.card:hover .card-cta svg { transform: translateX(3px); }

/* Featured card variant (glow accent on border) */
.card.card-featured {
  background: linear-gradient(135deg, var(--accent-soft) 0%, var(--white) 100%);
  border-color: rgba(220, 38, 38, .2);
}

/* Compact card variant */
.card.card-compact {
  padding: 18px 20px;
  border-radius: 18px;
}
.card.card-compact .card-title { font-size: 15px; }
.card.card-compact .card-body { font-size: 13px; }

/* Dark card variant (for full-bleed dark sections) */
.card.card-dark {
  background: rgba(255, 255, 255, .03);
  border-color: rgba(255, 255, 255, .06);
  color: var(--white);
}
.card.card-dark .card-title { color: var(--white); }
.card.card-dark .card-body { color: rgba(255, 255, 255, .7); }

/* Anti-pattern guards (defensive) */
.card-grid > * { min-width: 0; }  /* prevent grid blowouts from long words */


/* ============== sections.css ============== */
/* ============================================================
   sections.css — section patterns + decorations
   ============================================================ */

/* Hero — full-width, text-centered, LCP-safe */
.section-hero {
  padding-top: clamp(80px, 10vw, 140px);
  padding-bottom: clamp(56px, 8vw, 100px);
}

.hero-content { max-width: 720px; }
.hero-content.center { margin-left: auto; margin-right: auto; text-align: center; }

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 20px;
  font-size: 13px;
  color: var(--muted);
  font-weight: 400;
  align-items: center;
  margin-top: 16px;
}
.trust-row strong { color: var(--ink); font-weight: 500; margin-right: 4px; }
.trust-row .sep { color: var(--muted-3); }

/* Quick Answer block (AI-extractable) */
.qa-card {
  padding: 28px 32px;
  background: linear-gradient(135deg, var(--accent-soft) 0%, var(--white) 100%);
  border: 1px solid rgba(220, 38, 38, .12);
  border-radius: 22px;
  margin: 24px 0;
}
.qa-card .eyebrow { margin-bottom: 12px; background: var(--white); }
.qa-card p {
  font-size: 17px;
  line-height: var(--lh-loose);
  margin-bottom: 0;
  color: var(--ink);
  font-weight: 400;
}
.qa-card p + p { margin-top: 10px; color: var(--muted); font-size: 15px; }

/* Steps */
.steps {
  counter-reset: step;
  display: grid;
  grid-template-columns: 1fr;
  gap: 18px;
  margin-top: 28px;
}
@media (min-width: 768px) { .steps { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (min-width: 1024px) { .steps.steps-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); } .steps.steps-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); } .steps.steps-5 { grid-template-columns: repeat(5, minmax(0, 1fr)); } }

.step {
  padding: 22px 20px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 16px;
  position: relative;
  counter-increment: step;
  height: 100%;
  display: flex;
  flex-direction: column;
}
.step::before {
  content: counter(step, decimal-leading-zero);
  position: absolute;
  top: 18px;
  right: 20px;
  font-size: 14px;
  color: var(--accent);
  font-weight: 600;
}
.step h3 { font-size: 15px; margin-bottom: 6px; padding-right: 24px; }
.step p { font-size: 14px; color: var(--muted); line-height: var(--lh-base); margin-bottom: 0; }

/* FAQ accordion */
.faq { margin-top: 20px; }
.faq details {
  padding: 18px 22px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 14px;
  margin-bottom: 10px;
  transition: border-color var(--dur-base) var(--ease-out);
}
.faq details:hover { border-color: var(--border-2); }
.faq details[open] { border-color: rgba(220, 38, 38, .2); }
.faq summary {
  cursor: pointer;
  font-size: 16px;
  font-weight: 500;
  color: var(--ink);
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after {
  content: '+';
  font-size: 24px;
  font-weight: 300;
  color: var(--accent);
  margin-left: 16px;
  transition: transform var(--dur-base);
}
.faq details[open] summary::after { content: '–'; }
.faq details[open] summary { margin-bottom: 12px; }
.faq p {
  font-size: 14px;
  color: var(--ink-soft);
  line-height: var(--lh-loose);
  margin-bottom: 0;
}

/* Expert block */
.expert {
  display: flex;
  gap: 20px;
  align-items: flex-start;
  padding: 28px 32px;
  background: var(--white);
  border: 1px solid var(--border);
  border-radius: 18px;
  margin-top: 24px;
}
@media (max-width: 720px) { .expert { flex-direction: column; } }

.expert-avatar {
  width: 64px;
  height: 64px;
  border-radius: 50%;
  background: var(--accent-soft);
  color: var(--accent);
  display: flex;
  align-items: center;
  justify-content: center;
  font-size: 22px;
  font-weight: 500;
  flex-shrink: 0;
  border: 1px solid rgba(220, 38, 38, .15);
}

.expert h3 { margin-bottom: 6px; font-size: 17px; }
.expert p { font-size: 14px; color: var(--ink-soft); line-height: var(--lh-base); margin-bottom: 8px; }
.expert-meta { font-size: 12px; color: var(--muted-2); font-weight: 400; }

/* Compliance footer block */
.disclaimer {
  margin-top: 48px;
  padding: 24px 28px;
  background: var(--surface-2);
  border: 1px solid var(--border-2);
  border-radius: 14px;
  font-size: 12px;
  color: var(--muted);
  line-height: var(--lh-loose);
  font-weight: 400;
}
.disclaimer strong { color: var(--ink); font-weight: 500; display: block; margin-bottom: 6px; }

/* Breadcrumb */
.bread {
  font-size: 12px;
  color: var(--muted-2);
  margin-bottom: 16px;
}
.bread a { color: var(--muted); }
.bread a:hover { color: var(--accent); }


/* ============== header-footer.css ============== */
/* ============================================================
   header-footer.css — canonical global header + footer
   One header. One footer. Used on every page across all 3 sites.
   The accent color shifts via --accent token (VA/FHA red, Conv green).
   ============================================================ */

/* ============== HEADER ============== */
.vw-header {
  position: sticky;
  top: 0;
  z-index: var(--z-nav, 50);
  background: rgba(255, 255, 255, .92);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border-bottom: 1px solid rgba(10, 10, 10, .04);
}
.vw-header-inner {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 14px clamp(16px, 4vw, 48px);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}
.vw-logo {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-family);
  font-weight: 500;
  font-size: 16px;
  letter-spacing: -.3px;
  color: var(--ink);
  text-decoration: none;
}
.vw-logo b { color: var(--accent); font-weight: 600; }
.vw-logo-mark {
  width: 32px;
  height: 32px;
  border-radius: 8px;
  background: var(--accent);
  color: #fff;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: -.2px;
}
.vw-nav {
  display: flex;
  align-items: center;
  gap: 8px;
  list-style: none;
  padding: 0;
  margin: 0;
}
.vw-nav-item { position: relative; }
.vw-nav-link {
  display: inline-flex;
  align-items: center;
  gap: 4px;
  padding: 10px 14px;
  font-size: 14px;
  font-weight: 500;
  color: var(--ink-soft);
  text-decoration: none;
  border-radius: 100px;
  transition: background var(--dur-base) var(--ease-out), color var(--dur-base) var(--ease-out);
}
.vw-nav-link:hover { color: var(--ink); background: rgba(10, 10, 10, .04); }
.vw-nav-link.is-active { color: var(--accent); }
.vw-nav-caret {
  width: 10px; height: 10px;
  margin-left: 2px;
  transition: transform var(--dur-base) var(--ease-out);
}
.vw-nav-item:hover .vw-nav-caret,
.vw-nav-item.is-open .vw-nav-caret { transform: rotate(180deg); }

/* Dropdown */
.vw-dropdown {
  position: absolute;
  top: calc(100% + 6px);
  left: 0;
  min-width: 240px;
  background: #fff;
  border: 1px solid rgba(10, 10, 10, .06);
  border-radius: 16px;
  box-shadow: var(--shadow-hover);
  padding: 8px;
  opacity: 0;
  pointer-events: none;
  transform: translateY(-4px);
  transition: opacity var(--dur-base) var(--ease-out), transform var(--dur-base) var(--ease-out);
}
.vw-nav-item:hover .vw-dropdown,
.vw-nav-item.is-open .vw-dropdown,
.vw-nav-item:focus-within .vw-dropdown {
  opacity: 1;
  pointer-events: auto;
  transform: translateY(0);
}
.vw-drop-link {
  display: block;
  padding: 10px 14px;
  font-size: 14px;
  font-weight: 400;
  color: var(--ink);
  text-decoration: none;
  border-radius: 10px;
  transition: background var(--dur-base) var(--ease-out);
}
.vw-drop-link:hover { background: rgba(220, 38, 38, .06); color: var(--accent); }
.vw-drop-link strong { display: block; font-weight: 500; margin-bottom: 2px; }
.vw-drop-link span {
  display: block;
  font-size: 12px;
  color: var(--muted);
  font-weight: 400;
}

/* CTA */
.vw-cta {
  padding: 10px 22px;
  background: var(--accent);
  color: #fff;
  font-size: 14px;
  font-weight: 500;
  border-radius: 100px;
  text-decoration: none;
  transition: transform var(--dur-base) var(--ease-out), box-shadow var(--dur-base) var(--ease-out);
}
.vw-cta:hover { transform: translateY(-1px); box-shadow: var(--shadow-button); }

/* Mobile nav */
.vw-mobile-toggle {
  display: none;
  width: 44px; height: 44px;
  border: none;
  background: transparent;
  cursor: pointer;
  padding: 0;
  border-radius: 10px;
}
.vw-mobile-toggle:hover { background: rgba(10, 10, 10, .04); }
.vw-mobile-toggle svg { width: 22px; height: 22px; stroke: var(--ink); fill: none; stroke-width: 2; }

.vw-mobile-nav {
  display: none;
  position: fixed;
  top: 0; left: 0; right: 0; bottom: 0;
  background: #fff;
  z-index: 100;
  padding: 80px 24px 24px;
  overflow-y: auto;
}
.vw-mobile-nav.is-open { display: block; }
.vw-mobile-nav .vw-mobile-close {
  position: absolute;
  top: 18px; right: 20px;
  width: 44px; height: 44px;
  border: none;
  background: transparent;
  cursor: pointer;
  border-radius: 10px;
}
.vw-mobile-nav .vw-mobile-close svg { width: 22px; height: 22px; }
.vw-m-group { padding: 14px 0; border-bottom: 1px solid var(--border); }
.vw-m-group:last-of-type { border-bottom: none; }
.vw-m-label {
  font-size: 11px;
  font-weight: 600;
  color: var(--muted-2);
  text-transform: uppercase;
  letter-spacing: 1px;
  margin-bottom: 8px;
  display: block;
}
.vw-m-link {
  display: block;
  padding: 12px 0;
  font-size: 16px;
  color: var(--ink);
  text-decoration: none;
  font-weight: 400;
}
.vw-m-link:hover { color: var(--accent); }
.vw-m-cta {
  display: block;
  margin-top: 24px;
  text-align: center;
  padding: 16px;
  background: var(--accent);
  color: #fff;
  border-radius: 100px;
  font-weight: 500;
  text-decoration: none;
}

@media (max-width: 1023px) {
  .vw-nav { display: none; }
  .vw-cta { display: none; }
  .vw-mobile-toggle { display: inline-flex; align-items: center; justify-content: center; }
}

/* ============== FOOTER ============== */
.vw-footer {
  background: #0a0a0a;
  color: #fff;
  padding: clamp(48px, 7vw, 80px) 0 24px;
  margin-top: 64px;
}
.vw-footer-inner {
  max-width: var(--container-max);
  margin: 0 auto;
  padding: 0 clamp(16px, 4vw, 48px);
}
.vw-footer-top {
  display: grid;
  grid-template-columns: 1fr;
  gap: 40px;
  padding-bottom: 48px;
  border-bottom: 1px solid rgba(255, 255, 255, .08);
}
.vw-footer-brand { max-width: 360px; }
.vw-footer-brand .vw-logo { color: #fff; font-size: 18px; }
.vw-footer-brand .vw-logo b { color: var(--accent); }
.vw-footer-brand p {
  margin-top: 14px;
  font-size: 14px;
  color: rgba(255, 255, 255, .6);
  line-height: 1.65;
}
.vw-footer-cols {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 32px 24px;
}
.vw-footer-col h4 {
  font-size: 12px;
  font-weight: 600;
  color: #fff;
  text-transform: uppercase;
  letter-spacing: 1.2px;
  margin: 0 0 14px;
  padding: 0;
}
.vw-footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
}
.vw-footer-col li { padding: 4px 0; }
.vw-footer-col a {
  font-size: 14px;
  color: rgba(255, 255, 255, .65);
  text-decoration: none;
  transition: color var(--dur-base) var(--ease-out);
}
.vw-footer-col a:hover { color: #fff; }
.vw-footer-bottom {
  margin-top: 32px;
  display: flex;
  flex-wrap: wrap;
  gap: 16px;
  justify-content: space-between;
  align-items: center;
  font-size: 12px;
  color: rgba(255, 255, 255, .45);
}
.vw-footer-legal {
  margin-top: 24px;
  font-size: 11px;
  color: rgba(255, 255, 255, .45);
  line-height: 1.7;
}
.vw-footer-legal strong { color: rgba(255, 255, 255, .7); }

@media (min-width: 768px) {
  .vw-footer-top {
    grid-template-columns: 1fr 2fr;
    gap: 56px;
  }
  .vw-footer-cols {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}


/* ============== responsive.css ============== */
/* ============================================================
   responsive.css — breakpoint hardening + overflow safety
   ============================================================ */

/* Horizontal scroll safety — always */
html, body {
  overflow-x: hidden;
  max-width: 100vw;
}

/* Images never overflow their container */
img, svg, video, iframe { max-width: 100%; height: auto; }

/* Tables scroll horizontally on small screens */
.table-wrap { max-width: 100%; overflow-x: auto; -webkit-overflow-scrolling: touch; }

/* Mobile — hard defaults under 768 */
@media (max-width: 767px) {
  h1 { font-size: clamp(28px, 10vw, 44px); letter-spacing: -2px; line-height: 1; }
  h2 { font-size: clamp(24px, 7vw, 36px); letter-spacing: -1.4px; }

  .section { padding-top: clamp(44px, 10vw, 72px); padding-bottom: clamp(44px, 10vw, 72px); }

  .cta-row { flex-direction: column; align-items: stretch; }
  .cta-row .btn-p, .cta-row .btn-g { width: 100%; justify-content: center; }

  /* Inline grid layouts that don't use class names need mobile single-column override */
  div[style*="grid-template-columns:1fr 1fr"],
  div[style*="grid-template-columns: 1fr 1fr"],
  div[style*="grid-template-columns:1fr 1fr 1fr"],
  div[style*="grid-template-columns: 1fr 1fr 1fr"],
  div[style*="grid-template-columns:1fr 1fr 1fr 1fr"],
  div[style*="grid-template-columns: 1fr 1fr 1fr 1fr"] {
    grid-template-columns: 1fr !important;
    gap: 16px !important;
  }

  /* Cards / glow-cards go full width */
  .glow-card, [class*="glow-card"], .calcW, .calc-card {
    width: 100% !important;
    max-width: 100% !important;
    min-width: 0 !important;
  }
}

/* Tablet hardening */
@media (min-width: 768px) and (max-width: 1023px) {
  /* 4-card grids intended for desktop collapse to 2x2 */
  .card-grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .card-grid-3 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}

/* Keep 4-card at 4 across on desktop, never 3+1 */
@media (min-width: 1024px) {
  .card-grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)) !important; }
  /* Legacy classnames used by existing pages */
  .g4 { grid-template-columns: repeat(4, minmax(0, 1fr)) !important; }
  .g3 { grid-template-columns: repeat(3, minmax(0, 1fr)) !important; }
  .g2 { grid-template-columns: repeat(2, minmax(0, 1fr)) !important; }
}
/* Mobile legacy grid hardening */
@media (max-width: 767px) {
  .g4, .g3, .g2 { grid-template-columns: 1fr !important; gap: 16px !important; }
}
/* Tablet: 4-col becomes 2x2 */
@media (min-width: 768px) and (max-width: 1023px) {
  .g4 { grid-template-columns: repeat(2, minmax(0, 1fr)) !important; }
  .g3 { grid-template-columns: repeat(2, minmax(0, 1fr)) !important; }
}
/* Prevent any grid child from blowing out the column */
.g4 > *, .g3 > *, .g2 > *, .card-grid > *, [class*="card-grid-"] > * { min-width: 0 !important; }

/* Reduced motion universal kill switch */
@media (prefers-reduced-motion: reduce) {
  *, *::before, *::after {
    animation-duration: .001ms !important;
    animation-iteration-count: 1 !important;
    transition-duration: .001ms !important;
    scroll-behavior: auto !important;
  }
}

/* Print — emergency legibility */
@media print {
  .btn-p, .btn-g, nav, .nav, header nav { display: none !important; }
  body { color: #000; background: #fff; }
  a { color: #000; text-decoration: underline; }
}

/* ============================================================
   Cinematic / scrollytelling section compaction (2026-04-24)
   .vwm-cinematic was 140vh desktop / 180vh mobile. Compress to
   feel like a premium preview block, not a giant hero.
   ============================================================ */
.vwm-cinematic {
  min-height: 80vh !important;
}
.vwm-cin-sticky {
  height: 70vh !important;
  min-height: 480px;
}
.vwm-cin-stage {
  padding-top: clamp(24px, 4vw, 48px) !important;
  padding-bottom: clamp(24px, 4vw, 48px) !important;
}
@media (max-width: 767px) {
  .vwm-cinematic {
    min-height: 65vh !important;
  }
  .vwm-cin-sticky {
    height: 65vh !important;
    min-height: 420px;
    align-items: center !important;
  }
  .vwm-cin-stage {
    padding-top: 16px !important;
    padding-bottom: 16px !important;
  }
}

/* ============================================================
   Nested-scroll prevention sitewide (2026-04-24)
   No section, hero, card grid, calculator wrapper, or
   video/preview block should trap its own scroll.
   Body is the only vertical scroll container.
   Allowed exceptions: .sh-mob-l (mobile nav dropdown),
   .table-wrap / [class*="rate-table"] / table (horizontal scroll
   on small screens), .faq details (accordion using max-height +
   overflow:hidden, NOT scroll).
   ============================================================ */
section,
.hero,
.section-hero,
.card,
.card-grid,
[class*="card-grid-"],
.glow-card,
.calc-card,
.calcW,
.hero-calc-card,
.scen-card,
.prog-card,
.mc2col,
.expert,
.qa-card,
.disclaimer,
.steps,
.step,
.faq {
  overflow-y: visible !important;
}
/* Catch any inline overflow-y:auto/scroll on these block types */
section[style*="overflow-y:auto"],
section[style*="overflow-y: auto"],
section[style*="overflow-y:scroll"],
section[style*="overflow-y: scroll"],
.hero[style*="overflow-y"],
.card[style*="overflow-y"],
.calcW[style*="overflow-y"] {
  overflow-y: visible !important;
}
/* Preserve horizontal table-scroll when it's intentionally needed */
.table-wrap, [class*="rate-table"], table, [class*="cmp-table-wrap"] {
  overflow-x: auto !important;
  overflow-y: visible !important;
}
/* Mobile nav dropdown — keep vertical scroll inside the menu only */
.sh-mob-l {
  overflow-y: auto !important;
}


/* ============== utilities.css ============== */
/* ============================================================
   utilities.css — spacing, alignment, display helpers
   Minimal; avoid Tailwind-style bloat.
   ============================================================ */

/* Spacing scale (stepped) */
.mt-0 { margin-top: 0 !important; }
.mt-1 { margin-top: 4px !important; }
.mt-2 { margin-top: 8px !important; }
.mt-3 { margin-top: 12px !important; }
.mt-4 { margin-top: 16px !important; }
.mt-6 { margin-top: 24px !important; }
.mt-8 { margin-top: 32px !important; }
.mt-12 { margin-top: 48px !important; }

.mb-0 { margin-bottom: 0 !important; }
.mb-4 { margin-bottom: 16px !important; }
.mb-6 { margin-bottom: 24px !important; }
.mb-8 { margin-bottom: 32px !important; }
.mb-12 { margin-bottom: 48px !important; }

/* Display + flex */
.hidden { display: none !important; }
.block { display: block !important; }
.inline-block { display: inline-block !important; }
.flex { display: flex !important; }
.grid { display: grid !important; }

.flex-col { flex-direction: column; }
.items-center { align-items: center; }
.items-start { align-items: flex-start; }
.justify-center { justify-content: center; }
.justify-between { justify-content: space-between; }
.gap-2 { gap: 8px; }
.gap-4 { gap: 16px; }
.gap-6 { gap: 24px; }

/* Text */
.text-center { text-align: center; }
.text-muted { color: var(--muted); }
.text-accent { color: var(--accent); }
.fw-400 { font-weight: 400 !important; }
.fw-500 { font-weight: 500 !important; }

/* Visually hidden but screen-reader accessible */
.sr-only {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

/* Focus ring — WCAG 2.2 Focus Visible (level AA) */
:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
  border-radius: 4px;
}
button:focus-visible,
a:focus-visible,
input:focus-visible,
select:focus-visible,
textarea:focus-visible {
  outline: 3px solid var(--accent);
  outline-offset: 2px;
}
/* Don't apply on mouse-only focus */
:focus:not(:focus-visible) { outline: none; }

/* Tap target safety */
button, a.btn-p, a.btn-g, [role="button"], input[type="submit"] {
  min-height: 44px;
}