/* =========================================================
   #ChampionsofLoans Team Powered By PRMG Mortgage
   Shared site styles - visual identity from kenclarkjr.com
   ========================================================= */
:root{
  --ink:#1c252e;--ink-soft:#555;--accent:#c97a5e;--steel:#324a5f;--green:#5b8a3a;
  --tan:#c4a584;--cream:#fafaf7;--border:#e8e0d3;
  --prmg-blue:#003ca6;--prmg-navy:#102966;--prmg-lt:#0c71c3;--prmg-orange:#f38d1f;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{font-family:'Plus Jakarta Sans',Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
.container{width:100%;max-width:1180px;margin:0 auto;padding:0 22px}
h1,h2,h3,h4{line-height:1.15;margin:0 0 .4em}
h1{font-size:clamp(2rem,4.4vw,3.3rem);font-weight:800}
h2{font-size:clamp(1.5rem,3vw,2.2rem);font-weight:800}
a{color:var(--prmg-lt);text-decoration:none}a:hover{text-decoration:underline}
.accent{color:var(--accent)}
img{max-width:100%;display:block}

/* Ribbon */
.author-meta-ribbon{background:var(--ink);color:#fff;font-size:.8rem}
.author-meta-inner{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:8px 22px;flex-wrap:wrap}
.author-meta-date{opacity:.8}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--border);box-shadow:0 2px 10px rgba(0,0,0,.04)}
.header-inner{display:flex;justify-content:space-between;align-items:center;gap:18px;padding:12px 22px;flex-wrap:wrap}
.nav-main{display:flex;gap:16px;flex-wrap:wrap;align-items:center}
.nav-main>a,.has-sub-trigger{color:var(--ink);font-weight:600;font-size:.9rem;background:none;border:0;cursor:pointer;font-family:inherit}
.nav-main>a:hover,.has-sub-trigger:hover{color:var(--accent);text-decoration:none}
.nav-main>a.active{color:var(--accent)}
.has-sub{position:relative}
.submenu{display:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--border);border-radius:10px;box-shadow:0 12px 30px rgba(0,0,0,.12);padding:8px;min-width:230px;z-index:60}
.has-sub.open .submenu{display:block}
.submenu a{display:block;padding:8px 12px;border-radius:7px;color:var(--ink);font-size:.88rem;font-weight:600}
.submenu a:hover{background:var(--cream);text-decoration:none;color:var(--accent)}
.caret{font-size:.7rem}
.header-cta{display:flex;gap:9px;align-items:center;flex-wrap:wrap}
.header-dpa,.header-schedule,.header-phone{font-weight:700;font-size:.84rem;padding:9px 13px;border-radius:8px}
.header-dpa{background:var(--green);color:#fff}
.header-schedule{background:var(--accent);color:#fff}
.header-phone{background:var(--prmg-navy);color:#fff}
.header-dpa:hover,.header-schedule:hover,.header-phone:hover{text-decoration:none;opacity:.92}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;cursor:pointer;color:var(--ink)}

/* Brand bar */
.brand-bar{background:var(--cream);border-bottom:1px solid var(--border)}
.brand-bar-inner{display:flex;align-items:center;gap:16px;padding:14px 22px}
.brand-bar-logo img{height:50px;width:auto}
.brand-bar-name{font-weight:900;font-size:1.2rem;color:var(--ink)}
.brand-bar-name span{color:var(--accent)}
.brand-bar-tag{font-size:.82rem;color:var(--ink-soft)}
.brand-bar-divider{margin:0 8px;color:var(--tan)}

/* Hero */
.hero{background:linear-gradient(180deg,#fff 0%,var(--cream) 100%);padding:54px 0}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.hashtag{display:inline-block;background:var(--prmg-navy);color:#fff;font-weight:800;font-size:.78rem;letter-spacing:.05em;padding:6px 14px;border-radius:30px}
.hero .sub{color:var(--ink-soft);font-size:1.02rem;margin:16px 0 24px}
.hero-buttons{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;font-weight:700;border-radius:10px;padding:12px 22px;cursor:pointer;border:2px solid transparent;transition:transform .15s,box-shadow .15s;font-family:inherit;font-size:1rem;text-align:center}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-lg{font-size:1.02rem;padding:14px 26px}
.btn-primary{background:var(--accent);color:#fff}
.btn-secondary{background:var(--prmg-navy);color:#fff}
.btn-outline{background:transparent;border-color:var(--prmg-navy);color:var(--prmg-navy)}
.hero-trust{display:flex;gap:8px;flex-wrap:wrap;margin-top:22px}
.chip{background:#fff;border:1px solid var(--border);border-radius:30px;padding:6px 12px;font-size:.8rem;font-weight:600;color:var(--steel)}
.hero-photo{position:relative}
.hero-photo>img{width:100%;border-radius:18px;box-shadow:0 20px 50px rgba(0,0,0,.18)}
.badge{position:absolute;left:18px;bottom:18px;background:#fff;border-radius:12px;padding:10px 14px;display:flex;gap:10px;align-items:center;box-shadow:0 10px 30px rgba(0,0,0,.18)}
.badge-logo img{height:34px;width:auto}
.badge-name{font-weight:800;font-size:.95rem}
.badge-role{font-size:.74rem;color:var(--ink-soft)}

/* Interior page hero + breadcrumbs + prose */
.page-hero{background:linear-gradient(135deg,var(--prmg-navy) 0%,var(--prmg-blue) 100%);color:#fff;padding:50px 0}
.page-hero .eyebrow{color:#ffd9c7}
.page-hero h1{color:#fff}
.page-hero p{color:rgba(255,255,255,.92);max-width:780px;font-size:1.05rem;margin:10px 0 0}
.page-hero .hero-buttons{margin-top:22px}
.breadcrumbs{font-size:.8rem;color:var(--ink-soft);padding:14px 0}
.breadcrumbs a{color:var(--prmg-lt)}
.prose{max-width:820px;margin:0 auto}
.prose h2{margin-top:1.3em;color:var(--ink)}
.prose h3{margin-top:1.1em;color:var(--ink)}
.prose p,.prose li{color:var(--ink-soft);font-size:1rem}
.prose ul,.prose ol{padding-left:20px}
.prose li{margin-bottom:8px}
.checklist{list-style:none;padding:0;margin:14px 0}
.checklist li{padding-left:30px;position:relative;margin-bottom:10px;color:var(--ink-soft)}
.checklist li::before{content:'\2713';color:var(--green);position:absolute;left:0;font-weight:900}

/* Start here */
.start-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:14px}
.start-card{background:#fff;border:2px solid var(--steel);border-radius:12px;padding:18px 22px;color:var(--ink);font-weight:700;display:flex;align-items:center;gap:12px;transition:transform .15s,box-shadow .15s}
.start-card:hover{text-decoration:none;transform:translateY(-2px);box-shadow:0 10px 24px rgba(0,0,0,.1)}
.start-card .e{font-size:1.4rem}.start-card .arr{color:var(--accent)}

/* DPA spotlight */
.dpa-spotlight{background:linear-gradient(135deg,var(--green) 0%,#3f6b27 100%);color:#fff;padding:44px 0}
.dpa-spotlight-inner{display:grid;grid-template-columns:1.5fr .8fr;gap:30px;align-items:center}
.dpa-spotlight-tag{display:inline-block;background:rgba(255,255,255,.18);padding:5px 12px;border-radius:20px;font-weight:800;font-size:.78rem}
.dpa-spotlight h2{color:#fff;margin:12px 0 8px}
.dpa-spotlight p{color:rgba(255,255,255,.92);font-size:.98rem;margin:0}
.dpa-spotlight-cta-wrap{text-align:center}
.dpa-spotlight-fine{font-size:.78rem;color:rgba(255,255,255,.85);margin-top:8px}

/* Credibility */
.credibility-strip{background:var(--prmg-navy);color:#fff;padding:26px 0}
.credibility-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;text-align:center;align-items:start}
.cred-item .num{display:block;font-weight:800;font-size:1.05rem}
.cred-item .label{font-size:.82rem;opacity:.85}

/* Sections */
.section{padding:56px 0}
.section-bg{background:var(--cream)}
.section-head{text-align:center;max-width:760px;margin:0 auto 36px}
.eyebrow{color:var(--accent);font-size:.82rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase}
.lead{color:var(--ink-soft);font-size:1.05rem;margin-top:8px}

/* Quick tabs */
.quick-tabs{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:14px}
.quick-tab{background:#fff;border:1px solid var(--border);border-radius:14px;padding:20px;display:flex;flex-direction:column;gap:6px;transition:transform .15s,box-shadow .15s}
.quick-tab:hover{text-decoration:none;transform:translateY(-3px);box-shadow:0 14px 30px rgba(0,0,0,.1)}
.qt-badge{font-size:.72rem;font-weight:800;color:var(--accent);text-transform:uppercase;letter-spacing:.05em}
.qt-title{font-weight:800;font-size:1.1rem;color:var(--ink)}
.qt-sub{font-size:.86rem;color:var(--ink-soft)}

/* Path / feature / opt grids */
.path-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px}
.path-card,.feature-card,.opt-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px;transition:transform .15s,box-shadow .15s}
.path-card:hover{text-decoration:none;transform:translateY(-3px);box-shadow:0 14px 30px rgba(0,0,0,.1)}
.path-card .icon,.feature-card .icon{font-size:1.7rem;margin-bottom:6px}
.path-card h3,.feature-card h3,.opt-card h3{font-size:1.1rem;color:var(--ink)}
.path-card p,.feature-card p,.opt-card p{color:var(--ink-soft);font-size:.92rem;margin:0 0 8px}
.path-card .arrow{color:var(--accent);font-weight:700;font-size:.9rem}
.feature-row{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}

/* Team */
.team-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.officer-card{background:#fff;border:1px solid var(--border);border-radius:16px;overflow:hidden;display:flex;flex-direction:column;box-shadow:0 6px 18px rgba(0,0,0,.06);transition:transform .2s,box-shadow .2s}
.officer-card:hover{transform:translateY(-4px);box-shadow:0 16px 34px rgba(0,0,0,.12)}
.officer-photo{width:100%;aspect-ratio:1/1;object-fit:cover;background:#eee}
.officer-body{padding:18px 18px 0;text-align:center;flex:1}
.officer-name{font-size:1.25rem;font-weight:800;margin:4px 0 2px;color:var(--ink)}
.officer-name a{color:inherit}
.officer-title{font-size:.88rem;color:var(--steel);font-weight:600;text-transform:uppercase;letter-spacing:.02em;min-height:2.2em}
.officer-nmls{font-size:.78rem;color:#999;margin-top:4px}
.officer-actions{display:flex;justify-content:center;gap:10px;margin:14px 0}
.icon-btn{width:42px;height:42px;border-radius:50%;border:0;cursor:pointer;color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.05rem;background:linear-gradient(135deg,var(--prmg-navy),var(--prmg-blue));box-shadow:0 6px 14px rgba(0,0,0,.18);transition:transform .2s}
.icon-btn:hover{transform:scale(1.08)}
.icon-btn[disabled]{opacity:.4;cursor:not-allowed}
.apply-wrap{margin-top:auto}
.apply-btn{display:block;width:100%;border:0;cursor:pointer;color:#fff;font-weight:700;text-transform:uppercase;letter-spacing:.03em;padding:16px;font-size:.95rem;background:linear-gradient(152deg,var(--prmg-blue) 33%,var(--prmg-navy) 100%);transition:background .4s;font-family:inherit}
.apply-btn:hover{background:linear-gradient(152deg,var(--prmg-orange) 25%,#e07a00 100%)}
.apply-es{display:block;width:100%;background:#f3f1ec;border:0;cursor:pointer;color:var(--ink-soft);font-size:.78rem;text-transform:uppercase;letter-spacing:.03em;padding:9px;font-family:inherit}
.apply-es:hover{color:var(--ink);background:#ece8df}

/* Calculators */
.calc-tabs{display:flex;gap:8px;flex-wrap:wrap;justify-content:center;margin-bottom:24px}
.calc-tab{background:#fff;border:2px solid var(--border);border-radius:30px;padding:9px 18px;font-weight:700;font-size:.9rem;cursor:pointer;color:var(--steel);font-family:inherit}
.calc-tab.active{background:var(--prmg-navy);color:#fff;border-color:var(--prmg-navy)}
.calc-panel{display:none}
.calc-panel.active{display:block}
.calc-wrap{display:grid;grid-template-columns:1fr 1fr;gap:24px;background:#fff;border:1px solid var(--border);border-radius:16px;padding:26px;box-shadow:0 8px 24px rgba(0,0,0,.06)}
.calc-input-group{margin-bottom:14px}
.calc-input-group label{display:block;font-weight:700;font-size:.85rem;margin-bottom:5px;color:var(--ink)}
.calc-input-group input,.calc-input-group select{width:100%;padding:11px 13px;border:1px solid var(--border);border-radius:9px;font-size:1rem;font-family:inherit;color:var(--ink)}
.calc-results{background:var(--cream);border-radius:12px;padding:22px}
.calc-headline{text-align:center;border-bottom:1px dashed var(--tan);padding-bottom:16px;margin-bottom:16px}
.calc-headline .big{font-size:2rem;font-weight:900;color:var(--prmg-blue)}
.calc-headline .lbl{font-size:.82rem;color:var(--ink-soft);text-transform:uppercase;letter-spacing:.05em}
.calc-line{display:flex;justify-content:space-between;font-size:.92rem;padding:6px 0;color:var(--ink-soft)}
.calc-line strong{color:var(--ink)}
.calc-disclaimer{font-size:.74rem;color:#999;margin-top:14px;text-align:center}

/* Service areas */
.split-2{display:grid;grid-template-columns:1fr 1fr;gap:30px}
.city-list{display:flex;flex-wrap:wrap;gap:8px;margin-top:10px}
.city-list a{background:#fff;border:1px solid var(--border);border-radius:8px;padding:8px 12px;font-size:.86rem;font-weight:600;color:var(--steel)}
.city-list a:hover{text-decoration:none;border-color:var(--accent);color:var(--accent)}
.alert-info{background:#fff;border-left:4px solid var(--prmg-lt);border-radius:8px;padding:12px 14px;font-size:.88rem;color:var(--ink-soft)}

/* Reviews */
.reviews-rail{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:18px}
.review-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:20px}
.review-stars{color:#f5a623;letter-spacing:2px}
.review-quote{font-size:.92rem;color:var(--ink);margin:10px 0}
.review-meta{display:flex;justify-content:space-between;align-items:center;border-top:1px solid var(--border);padding-top:10px}
.reviewer{font-weight:700;font-size:.88rem}
.reviewer-loc{font-size:.78rem;color:var(--ink-soft)}
.source-pill{font-size:.72rem;background:var(--cream);border:1px solid var(--border);border-radius:20px;padding:3px 10px;font-weight:700;color:var(--steel)}

/* FAQ */
.faq-list{max-width:820px;margin:0 auto}
.faq-item{background:#fff;border:1px solid var(--border);border-radius:12px;margin-bottom:12px;padding:4px 18px}
.faq-item summary{font-weight:700;cursor:pointer;padding:14px 0;list-style:none}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::before{content:'\FF0B';color:var(--accent);font-weight:800;margin-right:10px}
.faq-item[open] summary::before{content:'\FF0D'}
.faq-item p{color:var(--ink-soft);font-size:.92rem;padding-bottom:14px;margin:0}

/* Who I help */
.help-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:18px}
.help-card{background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px}
.help-card h3{font-size:1.05rem;color:var(--ink)}
.help-card p{color:var(--ink-soft);font-size:.92rem;margin:0}

/* CTA */
.cta-banner{background:var(--ink);color:#fff;padding:48px 0;text-align:center}
.cta-banner h2{color:#fff}
.cta-banner p{color:rgba(255,255,255,.85);max-width:640px;margin:6px auto 22px}
.flex-row{display:flex;gap:12px;flex-wrap:wrap}

/* Office */
.office-map-block{display:grid;grid-template-columns:1.4fr .6fr;gap:20px;align-items:stretch}
.office-map{width:100%;height:340px;border:0;border-radius:14px}
.office-map-info{background:#fff;border:1px solid var(--border);border-radius:14px;padding:22px;display:flex;flex-direction:column;justify-content:space-between;gap:14px}
.om-name{font-weight:800}.om-addr{color:var(--ink-soft);font-size:.92rem;margin-top:4px}

/* Social strip */
.social-strip{background:linear-gradient(135deg,var(--prmg-blue),var(--prmg-navy));color:#fff;padding:44px 0;text-align:center}
.social-strip h3{color:#fff;margin-top:14px}
.social-strip p{color:rgba(255,255,255,.85);max-width:600px;margin:6px auto 18px}
.social-icons{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.social-icons a{width:42px;height:42px;border-radius:50%;background:rgba(255,255,255,.15);display:flex;align-items:center;justify-content:center;color:#fff;transition:transform .2s,background .2s}
.social-icons a:hover{transform:translateY(-2px);background:rgba(255,255,255,.3)}
.social-icons svg{fill:#fff}

/* Common searches */
.cs-list{max-width:820px;margin:0 auto;list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:10px}
.cs-list li{display:flex;gap:10px;align-items:center;color:var(--steel);font-size:.95rem}
.cs-list li::before{content:'\2022';color:var(--accent);font-weight:800}

/* Newsletter */
.newsletter-strip{background:var(--cream);border-top:1px solid var(--border);padding:36px 0}
.newsletter-inner{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:center}
.newsletter-form{display:flex;gap:10px;flex-wrap:wrap}
.newsletter-form input{flex:1;min-width:220px;padding:12px 14px;border:1px solid var(--border);border-radius:9px;font-family:inherit;font-size:1rem}

/* Footer */
.site-footer{background:var(--ink);color:#cfd6dd;padding:46px 0 30px;font-size:.9rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:26px}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:12px}
.footer-list{list-style:none;padding:0;margin:0}
.footer-list li{margin-bottom:8px}
.footer-list a{color:#cfd6dd}.footer-list a:hover{color:#fff}
.footer-logo img{height:50px;width:auto;margin-bottom:10px}
.footer-hashtag{display:inline-block;background:rgba(255,255,255,.12);color:#fff;font-weight:800;font-size:.74rem;padding:4px 10px;border-radius:20px;margin-bottom:8px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:20px}
.equal-housing-block{display:flex;align-items:center;gap:10px}
.ehl-logo{width:34px;height:34px}
.equal-housing-text{font-weight:700;color:#fff;font-size:.85rem}
.legal{font-size:.78rem;color:rgba(255,255,255,.6);line-height:1.6}
.legal a{color:rgba(255,255,255,.8);text-decoration:underline}

/* Sticky mobile + bubbles + modal */
.sticky-mobile-cta{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--border);padding:8px;gap:8px;box-shadow:0 -4px 16px rgba(0,0,0,.1)}
.sticky-mobile-cta a{flex:1;text-align:center;padding:12px;border-radius:9px;font-weight:700;font-size:.9rem}
.sticky-mobile-cta .call{background:var(--prmg-navy);color:#fff}
.sticky-mobile-cta .qualify{background:var(--accent);color:#fff}
.float-bubbles{position:fixed;right:16px;bottom:16px;z-index:55}
.float-bubble{display:flex;align-items:center;gap:10px;background:var(--accent);color:#fff;padding:10px 16px;border-radius:30px;box-shadow:0 10px 26px rgba(0,0,0,.22);font-weight:700;font-size:.86rem}
.float-bubble:hover{text-decoration:none;opacity:.94}
.fb-sub{display:block;font-size:.72rem;font-weight:500;opacity:.9}
.lo-overlay{position:fixed;inset:0;background:rgba(0,0,0,.7);display:none;justify-content:center;align-items:center;z-index:9999}
.lo-overlay.open{display:flex}
.lo-popup{position:relative;background:#fff;border-radius:12px;width:90vw;max-width:1000px;height:80vh;overflow:hidden}
.lo-popup iframe{width:100%;height:100%;border:0}
.lo-close{position:absolute;top:8px;right:14px;font-size:1.7rem;cursor:pointer;color:#333;z-index:2;background:#fff;border-radius:50%;width:34px;height:34px;line-height:34px;text-align:center;box-shadow:0 2px 8px rgba(0,0,0,.2)}

/* Cookie consent */
#cookie-consent-banner{position:fixed;bottom:0;left:0;right:0;z-index:9998;background:var(--ink);color:#fff;padding:14px}
.cookie-consent-inner{max-width:1180px;margin:0 auto;display:flex;gap:16px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cookie-consent-text{font-size:.84rem;max-width:760px}
.cookie-consent-text a{color:#fff;text-decoration:underline}
.cookie-consent-actions{display:flex;gap:8px}
.cookie-btn{padding:9px 16px;border-radius:8px;border:0;font-weight:700;cursor:pointer;font-family:inherit}
.cookie-btn-accept{background:var(--accent);color:#fff}
.cookie-btn-decline{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.4)}

/* Responsive */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr}
  .team-grid{grid-template-columns:repeat(2,1fr)}
  .credibility-grid{grid-template-columns:repeat(2,1fr)}
  .feature-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .office-map-block,.split-2,.calc-wrap,.dpa-spotlight-inner,.newsletter-inner{grid-template-columns:1fr}
  .nav-main{display:none;width:100%;flex-direction:column;align-items:flex-start;gap:10px;padding-top:10px}
  .nav-main.open{display:flex}
  .submenu{position:static;box-shadow:none;border:0;padding:0 0 0 12px}
  .menu-toggle{display:block}
  .sticky-mobile-cta{display:flex}
  .float-bubbles{display:none}
}
@media (max-width:600px){
  .team-grid,.credibility-grid,.footer-grid{grid-template-columns:1fr}
}

/* Hero GOLD award banner */
.gold-award{margin-top:16px;display:flex;align-items:center;gap:16px;background:linear-gradient(135deg,#fbe08a 0%,#e6b022 45%,#c8920f 100%);border:1px solid #b8810a;border-radius:16px;padding:16px 22px;box-shadow:0 14px 34px rgba(184,129,10,.40)}
.gold-medal{font-size:2.6rem;line-height:1;filter:drop-shadow(0 2px 3px rgba(0,0,0,.25))}
.gold-text{text-align:left;color:#3a2a00}
.gold-title{font-weight:900;font-size:1.2rem;letter-spacing:.03em}
.gold-sub{font-weight:700;font-size:.92rem;line-height:1.2}
.gold-years{font-weight:800;font-size:.82rem;opacity:.8;margin-top:2px}

/* ===== DPA Finder + questionnaire + lead-gate modal ===== */
.dpa-search-shell{background:#fff;border:1px solid var(--border);border-radius:16px;padding:22px;box-shadow:0 8px 24px rgba(0,0,0,.06)}
.dpa-search-row{display:flex;gap:14px;flex-wrap:wrap;align-items:flex-end}
.dpa-results{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px;margin-top:20px}
.dpa-empty{grid-column:1/-1;background:var(--cream);border:1px dashed var(--tan);border-radius:10px;padding:18px;color:var(--ink-soft);text-align:center}
.dpa-card{background:#fff;border:1px solid var(--border);border-radius:12px;padding:16px}
.dpa-head{display:flex;justify-content:space-between;align-items:center;gap:8px;margin-bottom:6px}
.dpa-cat{background:var(--prmg-navy);color:#fff;font-size:.64rem;font-weight:800;padding:3px 8px;border-radius:20px;text-transform:uppercase;letter-spacing:.03em}
.dpa-state{font-size:.72rem;color:var(--ink-soft);font-weight:700;text-align:right}
.dpa-card h3{font-size:1rem;margin:4px 0;color:var(--ink)}
.dpa-amount{color:var(--green);font-weight:800;font-size:.95rem;margin-bottom:6px}
.dpa-card p{font-size:.84rem;color:var(--ink-soft);margin:0;line-height:1.5}
.dpa-meta{margin-top:16px;font-size:.85rem;color:var(--ink-soft)}

.q-shell{background:#fff;border:1px solid var(--border);border-radius:16px;padding:26px;box-shadow:0 8px 24px rgba(0,0,0,.06);max-width:760px;margin:0 auto}
.q-progress{display:flex;gap:6px;margin-bottom:18px}
.q-progress .seg{flex:1;height:6px;border-radius:4px;background:var(--border)}
.q-progress .seg.active{background:var(--accent)}
.q-progress .seg.done{background:var(--green)}
.q-step{display:none}
.q-step.active{display:block}
.q-step h2{margin:10px 0 4px}
.q-options{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px;margin:14px 0}
.q-options label{display:flex;align-items:center;gap:8px;border:2px solid var(--border);border-radius:10px;padding:12px 14px;cursor:pointer;font-weight:600;color:var(--ink);background:#fff;transition:border-color .15s,background .15s}
.q-options label.selected{border-color:var(--accent);background:#fdf3ee}
.q-options input{accent-color:var(--accent)}
.q-actions{display:flex;justify-content:space-between;gap:10px;margin-top:18px;align-items:center}
.help{color:var(--ink-soft);font-size:.92rem;margin:0 0 4px}
.kbd-pill{display:inline-block;background:#fff5e8;color:var(--prmg-orange);font-weight:800;font-size:.72rem;padding:4px 10px;border-radius:20px;text-transform:uppercase;letter-spacing:.04em}
.compliance-note{background:var(--cream);border:1px solid var(--border);border-radius:8px;padding:12px;font-size:.82rem;color:var(--ink-soft);margin-top:12px;line-height:1.55}
.compliance{background:var(--cream);border:1px solid var(--border);border-radius:8px;padding:12px;font-size:.8rem;color:var(--ink-soft);margin-top:14px;line-height:1.55}
.q-success{text-align:center;padding:14px}
.btn-block{width:100%}
.btn-ghost{background:rgba(255,255,255,.16);color:#fff;border-color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.28)}

.modal-shell{position:fixed;inset:0;background:rgba(0,0,0,.7);display:none;justify-content:center;align-items:center;z-index:9999;padding:20px}
.modal-shell.open{display:flex}
.modal-card{background:#fff;border-radius:14px;padding:26px;max-width:440px;width:100%;position:relative;box-shadow:0 20px 50px rgba(0,0,0,.35)}
.modal-card .close-x{position:absolute;top:8px;right:12px;background:none;border:0;font-size:1.6rem;cursor:pointer;color:#888;line-height:1}