/* =========================================================
   Clear to Close Mortgage — site styles
   Palette carried over from ctocmtg.com:
   slate #466587 · blue #0a62b4 · black #000 · graphite #565656 · gray #848484 · white
   ========================================================= */

:root {
  --slate: #466587;
  --slate-deep: #2f4660;      /* deeper tone of the brand slate for luxe backgrounds */
  --slate-ink: #1b2836;
  --blue: #0a62b4;
  --black: #000000;
  --graphite: #565656;
  --gray: #848484;
  --mist: #f4f6f9;
  --line: #e3e8ee;
  --white: #ffffff;

  --serif: "Cormorant Garamond", Georgia, "Times New Roman", serif;
  --sans: "Mulish", "Muli", "Helvetica Neue", Arial, sans-serif;

  --wrap: 1200px;
  --radius: 4px;
  --shadow: 0 24px 60px -24px rgba(27, 40, 54, 0.35);
  --ease: cubic-bezier(.2, .7, .2, 1);
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.7;
  color: var(--graphite);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
  overflow-x: clip;
}
img { max-width: 100%; display: block; }
a { color: var(--slate); text-decoration: none; transition: color .25s var(--ease); }
a:hover { color: var(--blue); }

h1, h2, h3, h4 {
  font-family: var(--serif);
  font-weight: 500;
  color: var(--slate-ink);
  line-height: 1.12;
  margin: 0 0 .5em;
  letter-spacing: -.005em;
}
h1 { font-size: clamp(2.6rem, 6vw, 4.8rem); }
h2 { font-size: clamp(2.1rem, 4vw, 3.2rem); }
h3 { font-size: 1.6rem; }
p { margin: 0 0 1.1em; }

.wrap { width: min(var(--wrap), 100% - 40px); margin-inline: auto; }
.section { padding: clamp(72px, 10vw, 128px) 0; }
.section--mist { background: var(--mist); }
.section--dark { background: var(--slate-ink); color: #c9d3de; }
.section--dark h2, .section--dark h3 { color: var(--white); }

.eyebrow {
  display: inline-flex; align-items: center; gap: 14px;
  font-family: var(--sans);
  font-size: .75rem; font-weight: 700;
  letter-spacing: .28em; text-transform: uppercase;
  color: var(--slate);
  margin-bottom: 18px;
}
.eyebrow::before { content: ""; width: 36px; height: 1px; background: currentColor; }
.section--dark .eyebrow, .hero .eyebrow, .cta-band .eyebrow { color: #a9bccf; }

.lead { font-size: 1.15rem; color: var(--gray); max-width: 640px; }
.center { text-align: center; }
.center .lead { margin-inline: auto; }
.center .eyebrow::after { content: ""; width: 36px; height: 1px; background: currentColor; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 10px;
  padding: 16px 32px;
  font-family: var(--sans); font-size: .8rem; font-weight: 700;
  letter-spacing: .18em; text-transform: uppercase;
  border: 1px solid transparent; border-radius: var(--radius);
  cursor: pointer;
  transition: background .3s var(--ease), color .3s var(--ease), border-color .3s var(--ease), transform .3s var(--ease);
}
.btn:hover { transform: translateY(-2px); }
.btn--primary { background: var(--slate); color: var(--white); }
.btn--primary:hover { background: var(--blue); color: var(--white); }
.btn--ghost { border-color: rgba(255,255,255,.55); color: var(--white); }
.btn--ghost:hover { background: var(--white); color: var(--slate-ink); }
.btn--outline { border-color: var(--slate); color: var(--slate); }
.btn--outline:hover { background: var(--slate); color: var(--white); }
.btn--white { background: var(--white); color: var(--slate-ink); }
.btn--white:hover { background: var(--black); color: var(--white); }

/* ---------- Utility bar ---------- */
.topbar {
  background: var(--slate);
  color: rgba(255,255,255,.85);
  font-size: .78rem; letter-spacing: .06em;
}
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; gap: 16px; min-height: 40px; }
.topbar a { color: var(--white); }
.topbar a:hover { color: #cfe0f2; }
.topbar__links { display: flex; gap: 22px; align-items: center; }
.topbar__label { text-transform: uppercase; letter-spacing: .2em; font-weight: 700; font-size: .68rem; opacity: .75; }

/* ---------- Header ---------- */
.header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96);
  backdrop-filter: saturate(160%) blur(10px);
  border-bottom: 2px solid var(--slate);
  transition: box-shadow .3s var(--ease);
}
.header.is-scrolled { box-shadow: 0 10px 30px -18px rgba(27,40,54,.4); }
.header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 24px; height: 88px; transition: height .3s var(--ease); }
.header.is-scrolled .wrap { height: 72px; }
.logo { display: flex; align-items: center; gap: 12px; }
.logo img { height: 52px; width: auto; }
.nav { display: flex; align-items: center; gap: 34px; }
.nav__links { display: flex; gap: 30px; list-style: none; margin: 0; padding: 0; }
.nav__links a {
  position: relative;
  font-size: .78rem; font-weight: 700; letter-spacing: .16em; text-transform: uppercase;
  color: var(--slate);
}
.nav__links a::after {
  content: ""; position: absolute; left: 0; bottom: -6px; width: 100%; height: 1px;
  background: var(--slate); transform: scaleX(0); transform-origin: left; transition: transform .35s var(--ease);
}
.nav__links a:hover { color: var(--gray); }
.nav__links a:hover::after { transform: scaleX(1); }
.nav .btn { padding: 13px 24px; }
.nav-toggle { display: none; background: none; border: 0; padding: 8px; cursor: pointer; }
.nav-toggle span { display: block; width: 26px; height: 2px; background: var(--slate); margin: 6px 0; transition: transform .3s var(--ease), opacity .3s; }

/* ---------- Hero ---------- */
.hero {
  position: relative; isolation: isolate;
  min-height: min(88vh, 860px);
  display: flex; align-items: center;
  color: var(--white);
  background: var(--slate-ink) center/cover no-repeat;
  overflow: hidden;
}
.hero__bg {
  position: absolute; inset: 0; z-index: -2;
  background-size: cover; background-position: center;
  transform: scale(1.06);
  animation: heroZoom 18s var(--ease) forwards;
}
@keyframes heroZoom { to { transform: scale(1); } }
.hero::before {
  content: ""; position: absolute; inset: 0; z-index: -1;
  background:
    linear-gradient(100deg, rgba(27,40,54,.92) 0%, rgba(47,70,96,.72) 45%, rgba(27,40,54,.25) 100%);
}
.hero__content { max-width: 720px; padding: 80px 0 140px; }
.hero h1 { color: var(--white); font-weight: 400; }
.hero h1 em { font-style: italic; color: #cfe0f2; }
.hero p { font-size: 1.2rem; color: rgba(255,255,255,.82); max-width: 560px; margin-bottom: 2.2em; }
.hero__actions { display: flex; flex-wrap: wrap; gap: 16px; }

.hero-stats {
  position: absolute; left: 0; right: 0; bottom: 0;
  background: rgba(255,255,255,.07);
  border-top: 1px solid rgba(255,255,255,.15);
  backdrop-filter: blur(6px);
}
.hero-stats .wrap { display: grid; grid-template-columns: repeat(4, 1fr); }
.hero-stat { padding: 26px 20px; border-left: 1px solid rgba(255,255,255,.12); }
.hero-stat:first-child { border-left: 0; padding-left: 0; }
.hero-stat strong { display: block; font-family: var(--serif); font-size: 2rem; font-weight: 500; color: var(--white); line-height: 1.1; }
.hero-stat span { font-size: .72rem; letter-spacing: .2em; text-transform: uppercase; color: rgba(255,255,255,.7); }

/* ---------- Pillars ---------- */
.pillars { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; margin-top: 64px; border-top: 1px solid var(--line); }
.pillar { padding: 48px 40px 8px; border-left: 1px solid var(--line); }
.pillar:first-child { border-left: 0; padding-left: 0; }
.pillar__num { font-family: var(--serif); font-size: 1rem; color: var(--slate); letter-spacing: .1em; margin-bottom: 18px; display: block; }
.pillar h3 { font-size: 1.9rem; }
.pillar p { color: var(--gray); }

/* ---------- Split (about) ---------- */
.split { display: grid; grid-template-columns: 1.05fr 1fr; gap: clamp(40px, 7vw, 100px); align-items: center; }
.split__media { position: relative; }
.split__media img { width: 100%; aspect-ratio: 4/5; object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow); }
.split__media::before {
  content: ""; position: absolute; inset: 28px -28px -28px 28px; z-index: -1;
  border: 1px solid var(--slate); border-radius: var(--radius);
}
.split__badge {
  position: absolute; left: -24px; bottom: 40px;
  background: var(--slate); color: var(--white);
  padding: 22px 28px; border-radius: var(--radius); box-shadow: var(--shadow);
  max-width: 230px;
}
.split__badge strong { display: block; font-family: var(--serif); font-size: 1.6rem; font-weight: 500; line-height: 1.15; }
.split__badge span { font-size: .72rem; letter-spacing: .18em; text-transform: uppercase; opacity: .8; }

.compare { margin-top: 36px; display: grid; gap: 4px; }
.compare__item { display: grid; grid-template-columns: 48px 1fr; gap: 18px; padding: 20px 0; border-top: 1px solid var(--line); }
.compare__icon {
  width: 48px; height: 48px; border-radius: 50%;
  display: grid; place-items: center;
  border: 1px solid var(--slate); color: var(--slate);
}
.compare__icon svg { width: 22px; height: 22px; }
.compare__item h4 { font-family: var(--sans); font-size: .82rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--slate-ink); margin: 4px 0 6px; }
.compare__item p { margin: 0; color: var(--gray); font-size: .97rem; }

/* ---------- Loan programs ---------- */
.programs { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; margin-top: 56px; }
.program {
  position: relative; background: var(--white);
  padding: 40px 34px 36px; border-radius: var(--radius);
  border: 1px solid var(--line);
  transition: transform .4s var(--ease), box-shadow .4s var(--ease), border-color .4s var(--ease);
}
.program::before { content: ""; position: absolute; left: 0; top: 0; height: 3px; width: 0; background: var(--slate); transition: width .45s var(--ease); }
.program:hover { transform: translateY(-6px); box-shadow: var(--shadow); border-color: transparent; }
.program:hover::before { width: 100%; }
.program__icon { color: var(--slate); margin-bottom: 22px; }
.program__icon svg { width: 34px; height: 34px; }
.program h3 { font-size: 1.65rem; }
.program p { color: var(--gray); font-size: .97rem; }
.program__tag {
  display: inline-block; margin-top: 4px;
  font-size: .7rem; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; color: var(--blue);
}

/* ---------- Insights (learning center) ---------- */
.insights { display: grid; grid-template-columns: 1.15fr 1fr; gap: 48px; margin-top: 56px; align-items: start; }
.insight-feature { position: relative; border-radius: var(--radius); overflow: hidden; min-height: 520px; display: flex; align-items: flex-end; color: var(--white); box-shadow: var(--shadow); }
.insight-feature img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; transition: transform 1.2s var(--ease); }
.insight-feature:hover img { transform: scale(1.04); }
.insight-feature::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(27,40,54,0) 30%, rgba(27,40,54,.92) 100%); }
.insight-feature__body { position: relative; z-index: 1; padding: 44px; }
.insight-feature h3 { color: var(--white); font-size: 2.2rem; }
.insight-feature p { color: rgba(255,255,255,.82); }
.insight-feature .figure { font-family: var(--serif); font-size: 3.6rem; line-height: 1; color: var(--white); margin: 8px 0 14px; }

.insight-list { display: grid; gap: 0; }
.insight { border-top: 1px solid rgba(255,255,255,.14); }
.insight:last-child { border-bottom: 1px solid rgba(255,255,255,.14); }
.insight summary {
  list-style: none; cursor: pointer;
  display: grid; grid-template-columns: 1fr 32px; gap: 16px; align-items: center;
  padding: 28px 0;
}
.insight summary::-webkit-details-marker { display: none; }
.insight__cat { display: block; font-size: .7rem; font-weight: 800; letter-spacing: .2em; text-transform: uppercase; color: #a9bccf; margin-bottom: 6px; }
.insight__title { font-family: var(--serif); font-size: 1.7rem; color: var(--white); line-height: 1.2; }
.insight__plus { width: 32px; height: 32px; border-radius: 50%; border: 1px solid rgba(255,255,255,.35); position: relative; transition: transform .35s var(--ease), background .35s; }
.insight__plus::before, .insight__plus::after { content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 1px; background: var(--white); transform: translate(-50%, -50%); }
.insight__plus::after { transform: translate(-50%, -50%) rotate(90deg); transition: opacity .3s; }
.insight[open] .insight__plus { background: var(--slate); border-color: var(--slate); }
.insight[open] .insight__plus::after { opacity: 0; }
.insight__body { padding: 0 48px 28px 0; color: #c9d3de; }
.insight__body a { color: var(--white); border-bottom: 1px solid rgba(255,255,255,.4); }

/* ---------- Calculator ---------- */
.calc { display: grid; grid-template-columns: 1.1fr .9fr; margin-top: 56px; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); background: var(--white); }
.calc__form { padding: 48px; display: grid; grid-template-columns: 1fr 1fr; gap: 22px 26px; }
.field { display: grid; gap: 8px; }
.field--full { grid-column: 1 / -1; }
.field label { font-size: .72rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--slate-ink); }
.field input, .field select, .field textarea {
  width: 100%; font: inherit; color: var(--slate-ink);
  padding: 14px 16px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--mist);
  transition: border-color .25s, background .25s;
}
.field input:focus, .field select:focus, .field textarea:focus { outline: none; border-color: var(--slate); background: var(--white); }
.input-affix { position: relative; }
.input-affix span { position: absolute; top: 50%; transform: translateY(-50%); color: var(--gray); font-size: .95rem; pointer-events: none; }
.input-affix .pre { left: 16px; }
.input-affix .post { right: 16px; }
.input-affix .has-pre { padding-left: 32px; }
.input-affix .has-post { padding-right: 40px; }
.calc__result { background: var(--slate); color: var(--white); padding: 48px; display: flex; flex-direction: column; justify-content: center; position: relative; overflow: hidden; }
.calc__result::before { content: ""; position: absolute; width: 360px; height: 360px; right: -140px; top: -140px; border-radius: 50%; border: 1px solid rgba(255,255,255,.15); }
.calc__result::after { content: ""; position: absolute; width: 240px; height: 240px; right: -80px; top: -80px; border-radius: 50%; border: 1px solid rgba(255,255,255,.12); }
.calc__label { font-size: .72rem; font-weight: 800; letter-spacing: .2em; text-transform: uppercase; opacity: .8; }
.calc__total { font-family: var(--serif); font-size: clamp(3rem, 6vw, 4.4rem); line-height: 1; margin: 12px 0 28px; }
.calc__total small { font-size: 1.2rem; opacity: .7; }
.calc__rows { list-style: none; padding: 0; margin: 0 0 28px; }
.calc__rows li { display: flex; justify-content: space-between; padding: 12px 0; border-top: 1px solid rgba(255,255,255,.18); font-size: .95rem; }
.calc__rows li span:last-child { font-weight: 700; }
.calc__note { font-size: .78rem; opacity: .7; margin: 18px 0 0; }

/* ---------- Testimonials ---------- */
.testimonials { position: relative; max-width: 900px; margin: 56px auto 0; text-align: center; }
.quote-mark { font-family: var(--serif); font-size: 7rem; line-height: .6; color: var(--slate); opacity: .35; display: block; height: 52px; }
.stars { color: var(--slate); letter-spacing: 4px; font-size: 1rem; margin-bottom: 22px; }
.slides { position: relative; min-height: 300px; }
.slide { position: absolute; inset: 0; opacity: 0; visibility: hidden; transform: translateY(12px); transition: opacity .7s var(--ease), transform .7s var(--ease), visibility .7s; }
.slide.is-active { position: relative; opacity: 1; visibility: visible; transform: none; }
.slide blockquote { margin: 0; font-family: var(--serif); font-size: clamp(1.35rem, 2.4vw, 1.85rem); font-style: italic; line-height: 1.5; color: var(--slate-ink); }
.slide cite { display: block; margin-top: 26px; font-style: normal; font-size: .78rem; font-weight: 800; letter-spacing: .22em; text-transform: uppercase; color: var(--slate); }
.slide cite span { display: block; color: var(--gray); font-weight: 600; letter-spacing: .1em; margin-top: 4px; text-transform: none; }
.slider-controls { display: flex; align-items: center; justify-content: center; gap: 22px; margin-top: 40px; }
.slider-btn { width: 52px; height: 52px; border-radius: 50%; border: 1px solid var(--line); background: var(--white); color: var(--slate); cursor: pointer; display: grid; place-items: center; transition: all .3s var(--ease); }
.slider-btn:hover { background: var(--slate); color: var(--white); border-color: var(--slate); }
.dots { display: flex; gap: 10px; }
.dot { width: 8px; height: 8px; border-radius: 50%; border: 0; padding: 0; background: var(--line); cursor: pointer; transition: all .3s; }
.dot.is-active { background: var(--slate); width: 28px; border-radius: 6px; }
.testimonial-links { margin-top: 36px; display: flex; gap: 14px; justify-content: center; flex-wrap: wrap; }

/* ---------- Advice / contact ---------- */
.advice { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(40px, 6vw, 90px); align-items: start; }
.contact-list { list-style: none; padding: 0; margin: 32px 0 0; display: grid; gap: 22px; }
.contact-list li { display: grid; grid-template-columns: 44px 1fr; gap: 16px; align-items: center; }
.contact-list .ic { width: 44px; height: 44px; border-radius: 50%; background: var(--mist); color: var(--slate); display: grid; place-items: center; }
.contact-list .ic svg { width: 18px; height: 18px; }
.contact-list small { display: block; font-size: .7rem; font-weight: 800; letter-spacing: .18em; text-transform: uppercase; color: var(--gray); }
.contact-list a, .contact-list strong { color: var(--slate-ink); font-weight: 600; }
.form-card { background: var(--white); border: 1px solid var(--line); padding: 44px; border-radius: var(--radius); box-shadow: var(--shadow); display: grid; grid-template-columns: 1fr 1fr; gap: 20px 22px; }
.form-card h3 { grid-column: 1 / -1; margin-bottom: 0; }
.form-card .btn { grid-column: 1 / -1; justify-self: start; }
.form-note { grid-column: 1 / -1; font-size: .8rem; color: var(--gray); margin: 0; }

/* ---------- CTA band ---------- */
.cta-band { position: relative; isolation: isolate; color: var(--white); padding: clamp(90px, 12vw, 150px) 0; overflow: hidden; background: var(--slate-ink); }
.cta-band__bg { position: absolute; inset: 0; z-index: -2; background-size: cover; background-position: center; background-attachment: fixed; }
.cta-band::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(90deg, rgba(27,40,54,.94), rgba(70,101,135,.78)); }
.cta-band .wrap { display: grid; grid-template-columns: 1.4fr 1fr; gap: 48px; align-items: center; }
.cta-band h2 { color: var(--white); font-weight: 400; }
.cta-band p { color: rgba(255,255,255,.82); font-size: 1.1rem; max-width: 560px; }
.cta-band__actions { display: flex; flex-direction: column; gap: 14px; align-items: flex-start; justify-self: end; }
.cta-steps { list-style: none; margin: 26px 0 0; padding: 0; display: flex; gap: 28px; flex-wrap: wrap; font-size: .8rem; letter-spacing: .14em; text-transform: uppercase; color: rgba(255,255,255,.75); }
.cta-steps li::before { content: "✓"; margin-right: 8px; color: #cfe0f2; }

/* ---------- Join band ---------- */
.join { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(40px, 7vw, 100px); align-items: center; }
.join__media img { width: 100%; aspect-ratio: 5/4; object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow); }

/* ---------- Footer ---------- */
.footer { background: var(--blue); color: rgba(255,255,255,.88); }
.footer__top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1.1fr; gap: 48px; padding: 80px 0 60px; }
.footer h4 { font-family: var(--sans); font-size: .72rem; font-weight: 800; letter-spacing: .22em; text-transform: uppercase; color: var(--white); margin-bottom: 22px; }
.footer a { color: rgba(255,255,255,.88); }
.footer a:hover { color: var(--white); }
.footer ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 12px; font-size: .95rem; }
.footer__brand img { height: 56px; width: auto; margin-bottom: 22px; }
.footer__brand p { font-size: .95rem; max-width: 320px; }
.footer__social { display: flex; gap: 12px; margin-top: 20px; }
.footer__social a { width: 40px; height: 40px; border-radius: 50%; border: 1px solid rgba(255,255,255,.4); display: grid; place-items: center; transition: background .3s, color .3s; }
.footer__social a:hover { background: var(--white); color: var(--blue); }
.footer__social svg { width: 16px; height: 16px; }
.footer__bottom { background: var(--black); color: #a8a8a8; font-size: .82rem; }
.footer__bottom .wrap { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; padding: 26px 0; }
.footer__bottom a { color: #a8a8a8; }
.footer__bottom a:hover { color: var(--white); }
.footer__legal { display: flex; gap: 22px; flex-wrap: wrap; align-items: center; }
.eho { display: inline-flex; align-items: center; gap: 10px; }
.eho svg { width: 28px; height: 28px; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { position: relative; isolation: isolate; color: var(--white); padding: clamp(110px, 14vw, 170px) 0 clamp(80px, 10vw, 120px); background: var(--slate-ink); overflow: hidden; }
.page-hero__bg { position: absolute; inset: 0; z-index: -2; background-size: cover; background-position: center; }
.page-hero::before { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(100deg, rgba(27,40,54,.93), rgba(47,70,96,.62)); }
.page-hero h1 { color: var(--white); font-weight: 400; max-width: 820px; }
.page-hero p { color: rgba(255,255,255,.82); font-size: 1.15rem; max-width: 620px; }

.benefits { display: grid; grid-template-columns: repeat(2, 1fr); gap: 0; margin-top: 48px; border-top: 1px solid var(--line); }
.benefit { padding: 36px 36px 30px 0; border-bottom: 1px solid var(--line); }
.benefit:nth-child(even) { padding-left: 36px; padding-right: 0; border-left: 1px solid var(--line); }
.benefit h3 { font-size: 1.6rem; }
.benefit p { color: var(--gray); margin: 0; }

/* ---------- Reveal animation ---------- */
.reveal { opacity: 0; transform: translateY(28px); transition: opacity .9s var(--ease), transform .9s var(--ease); }
.reveal.is-visible { opacity: 1; transform: none; }
.reveal-delay-1 { transition-delay: .12s; }
.reveal-delay-2 { transition-delay: .24s; }

@media (prefers-reduced-motion: reduce) {
  * { animation: none !important; transition: none !important; scroll-behavior: auto !important; }
  .reveal { opacity: 1; transform: none; }
}

/* ---------- Responsive ---------- */
@media (max-width: 1100px) {
  .nav__links { gap: 22px; }
  .footer__top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 980px) {
  .nav-toggle { display: block; }
  .header { backdrop-filter: none; background: var(--white); } /* backdrop-filter would trap the fixed menu inside the header */
  .nav { visibility: hidden; }
  .nav.is-open { visibility: visible; }
  .nav {
    position: fixed; inset: 0 0 0 auto; width: min(360px, 88vw);
    flex-direction: column; align-items: flex-start; justify-content: center; gap: 36px;
    padding: 40px; background: var(--white); box-shadow: -20px 0 60px -20px rgba(0,0,0,.3);
    transform: translateX(100%); transition: transform .45s var(--ease), visibility .45s; z-index: 60;
  }
  .nav.is-open { transform: none; }
  .nav__links { flex-direction: column; gap: 22px; }
  .nav__links a { font-size: .9rem; }
  .nav-toggle { position: relative; z-index: 70; }
  .nav-toggle.is-open span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
  .nav-toggle.is-open span:nth-child(2) { opacity: 0; }
  .nav-toggle.is-open span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }

  .pillars, .programs { grid-template-columns: 1fr 1fr; }
  .pillar:nth-child(3) { border-left: 0; padding-left: 0; }
  .split, .insights, .calc, .advice, .join, .cta-band .wrap { grid-template-columns: 1fr; }
  .cta-band__actions { justify-self: start; }
  .split__media { max-width: 520px; }
  .hero-stats .wrap { grid-template-columns: repeat(2, 1fr); }
  .hero-stat:nth-child(3) { border-left: 0; padding-left: 0; }
  .hero-stat { padding: 18px 16px; }
  .hero { flex-direction: column; align-items: stretch; justify-content: flex-end; min-height: 0; }
  .hero > .wrap { flex: 1; display: flex; align-items: center; }
  .hero__content { padding: 72px 0 64px; }
  .hero-stats { position: relative; }
  .cta-band__bg { background-attachment: scroll; }
}
@media (max-width: 680px) {
  .topbar__hide-sm { display: none; }
  .topbar .wrap { justify-content: center; }
  .pillars, .programs, .benefits { grid-template-columns: 1fr; }
  .pillar { border-left: 0; padding-left: 0; padding-right: 0; border-bottom: 1px solid var(--line); padding-bottom: 32px; }
  .benefit:nth-child(even) { padding-left: 0; border-left: 0; }
  .calc__form, .form-card { grid-template-columns: 1fr; padding: 32px 24px; }
  .calc__result { padding: 36px 24px; }
  .insight-feature__body { padding: 30px; }
  .insight-feature { min-height: 440px; }
  .footer__top { grid-template-columns: 1fr; padding: 60px 0 40px; }
  .split__badge { left: 12px; bottom: 16px; }
  .split__media::before { inset: 16px -12px -16px 16px; }
  .logo img { height: 44px; }
}