/* The Unlocked. — site stylesheet (brand system v1.4) */
@font-face{font-family:"DM Sans";font-style:normal;font-weight:400;font-display:swap;src:url(/assets/fonts/dm-sans-latin-400-normal.woff2) format("woff2")}
@font-face{font-family:"DM Sans";font-style:normal;font-weight:500;font-display:swap;src:url(/assets/fonts/dm-sans-latin-500-normal.woff2) format("woff2")}
@font-face{font-family:"DM Sans";font-style:normal;font-weight:600;font-display:swap;src:url(/assets/fonts/dm-sans-latin-600-normal.woff2) format("woff2")}
@font-face{font-family:"DM Serif Display";font-style:normal;font-weight:400;font-display:swap;src:url(/assets/fonts/dm-serif-display-latin-400-normal.woff2) format("woff2")}

:root{
  --teal:#1FBAA7;--deep-teal:#178979;--black:#231719;--charcoal:#3D4543;--slate:#5A6460;
  --light-gray:#EDF3F1;--mint:#E8F7F5;--slate-tint:#EEF0EF;--white:#fff;
  --serif:"DM Serif Display",Georgia,"Times New Roman",serif;
  --sans:"DM Sans",system-ui,-apple-system,"Segoe UI",Calibri,Arial,sans-serif;
  --radius:14px;--radius-sm:8px;--shadow:0 10px 30px rgba(35,23,25,.08);
  --wrap:1180px;--gutter:clamp(16px,4vw,32px);
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--black);background:var(--white);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--deep-teal);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--black)}
h1,h2,h3,h4{font-family:var(--serif);font-weight:400;line-height:1.15;margin:0 0 .5em;color:var(--black);letter-spacing:-.005em}
h1{font-size:clamp(2.3rem,5vw,3.6rem)}
h2{font-size:clamp(1.8rem,3.4vw,2.5rem)}
h3{font-size:clamp(1.3rem,2.2vw,1.6rem)}
h4{font-size:1.2rem}
p{margin:0 0 1.1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gutter)}
.narrow{max-width:780px}
.skip{position:absolute;left:-999px;top:0;background:var(--teal);color:var(--black);padding:10px 16px;z-index:100}
.skip:focus{left:8px;top:8px}
:focus-visible{outline:3px solid var(--deep-teal);outline-offset:2px}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* eyebrow + accents */
.eyebrow{display:inline-block;font:600 .8rem/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--deep-teal);margin-bottom:14px}
.eyebrow::before{content:"";display:inline-block;width:22px;height:3px;background:var(--teal);vertical-align:middle;margin-right:10px;border-radius:2px}
.accent{color:var(--deep-teal)}
.hl{background:linear-gradient(transparent 62%,rgba(31,186,167,.35) 62%);padding:0 .08em}

/* buttons */
.btn{display:inline-flex;white-space:nowrap;align-items:center;gap:10px;font:600 1rem/1 var(--sans);padding:16px 26px;border-radius:999px;text-decoration:none;border:2px solid transparent;transition:transform .15s ease,background .15s ease,box-shadow .15s ease;cursor:pointer}
.btn-primary{background:var(--teal);color:var(--black)}
.btn-primary:hover{background:#27cbb7;color:var(--black);transform:translateY(-1px);box-shadow:0 8px 20px rgba(31,186,167,.35)}
.btn-ghost{border-color:var(--black);color:var(--black);background:transparent}
.btn-ghost:hover{background:var(--black);color:var(--white)}
.btn-light{border-color:rgba(255,255,255,.7);color:var(--white)}
.btn-light:hover{background:var(--white);color:var(--black)}
.btn svg{width:18px;height:18px}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}

/* header */
.topbar{background:var(--black);color:#cfd6d3;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:38px}
.topbar a{color:#fff;text-decoration:none}
.topbar .tb-left span{margin-right:18px}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.2) blur(8px);border-bottom:1px solid var(--light-gray)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:78px}
.logo img{width:196px;height:auto}
.nav{display:flex;align-items:center;gap:4px}
.nav>ul{display:flex;list-style:none;margin:0;padding:0;gap:2px}
.nav li{position:relative}
.nav a.top,.nav button.top{display:block;white-space:nowrap;padding:10px 12px;font:500 .98rem/1 var(--sans);color:var(--black);text-decoration:none;background:none;border:0;cursor:pointer;border-radius:8px}
.nav a.top:hover,.nav button.top:hover,.nav li:focus-within>.top{background:var(--light-gray)}
.nav button.top::after{content:"";display:inline-block;width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin:0 0 3px 8px}
.dropdown{position:absolute;top:100%;left:0;min-width:270px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:10px;list-style:none;margin:6px 0 0;opacity:0;visibility:hidden;transform:translateY(6px);transition:.15s ease;border:1px solid var(--light-gray)}
.nav li:hover>.dropdown,.nav li:focus-within>.dropdown,.nav li.open>.dropdown{opacity:1;visibility:visible;transform:none}
.dropdown a{display:block;padding:10px 12px;border-radius:8px;text-decoration:none;color:var(--black);font-size:.95rem}
.dropdown a small{display:block;color:var(--slate);font-size:.8rem;margin-top:2px}
.dropdown a:hover{background:var(--mint)}
.header-cta{display:flex;align-items:center;gap:10px}
.header-cta .phone{font-weight:600;color:var(--black);text-decoration:none;white-space:nowrap}
.menu-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer}
.menu-toggle span{display:block;width:24px;height:2px;background:var(--black);margin:5px 0;transition:.2s}

/* hero */
.hero{position:relative;background:linear-gradient(180deg,var(--mint) 0%,#fff 100%);overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding-top:64px;padding-bottom:64px}
.hero h1{margin-bottom:18px}
.hero .lede{font-size:1.2rem;color:var(--charcoal);max-width:600px}
.hero-media{position:relative}
.hero-media img{border-radius:50%;aspect-ratio:1;object-fit:cover;background:#fff;box-shadow:0 30px 60px rgba(23,137,121,.18)}
.hero-media::before{content:"";position:absolute;inset:-18px -18px auto auto;width:120px;height:120px;border-radius:50%;background:var(--teal);opacity:.9;z-index:-1}
.hero-badge{position:absolute;left:-10px;bottom:24px;background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:14px 18px;display:flex;align-items:center;gap:12px;font-size:.9rem;line-height:1.3}
.hero-badge strong{font-family:var(--serif);font-size:1.6rem;font-weight:400;color:var(--black)}
.stars{color:var(--teal);letter-spacing:2px;font-size:1rem}
.trust-list{display:flex;flex-wrap:wrap;gap:10px 22px;list-style:none;padding:0;margin:26px 0 0;color:var(--charcoal);font-size:.95rem}
.trust-list li{display:flex;align-items:center;gap:8px}
.tick{width:20px;height:20px;border-radius:50%;background:var(--teal);display:inline-grid;place-items:center;flex:none}
.tick::after{content:"";width:8px;height:4px;border-left:2px solid var(--black);border-bottom:2px solid var(--black);transform:rotate(-45deg) translate(1px,-1px)}

/* page hero (inner) */
.page-hero{background:var(--mint);padding:56px 0 48px;position:relative;overflow:hidden}
.page-hero::after{content:"";position:absolute;right:-80px;top:-80px;width:280px;height:280px;border-radius:50%;background:var(--teal);opacity:.14}
.page-hero .lede{font-size:1.15rem;color:var(--charcoal);max-width:760px}
.page-hero.has-img .wrap{display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:center}
.page-hero.has-img img{border-radius:var(--radius);box-shadow:var(--shadow)}
.crumbs{font-size:.85rem;color:var(--slate);margin-bottom:18px}
.crumbs a{color:var(--slate);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.crumbs span{margin:0 8px;opacity:.6}

/* sections */
.section{padding:clamp(56px,8vw,96px) 0}
.section.tint{background:var(--light-gray)}
.section.mint{background:var(--mint)}
.section.dark{background:var(--charcoal);color:#e6ecea}
.section.dark h2,.section.dark h3{color:#fff}
.section-head{max-width:720px;margin-bottom:40px}
.section-head.center{text-align:center;margin-left:auto;margin-right:auto}
.section-head p{color:var(--charcoal);font-size:1.08rem}
.dark .section-head p{color:#cfd8d5}
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img{border-radius:var(--radius)}

/* cards */
.card{background:#fff;border-radius:var(--radius);padding:30px;box-shadow:0 1px 0 rgba(35,23,25,.04),0 6px 24px rgba(35,23,25,.05);border:1px solid #e3ebe8;display:flex;flex-direction:column;transition:transform .15s ease,box-shadow .15s ease;position:relative}
a.card{text-decoration:none;color:inherit}
a.card:hover,.card.link:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card h3{margin-bottom:10px}
.card p{color:var(--charcoal);font-size:.98rem}
.card .more{margin-top:auto;font-weight:600;color:var(--deep-teal);text-decoration:none}
.card .more::after{content:" →"}
.icon{width:52px;height:52px;border-radius:14px;background:var(--mint);display:grid;place-items:center;margin-bottom:18px}
.icon svg{width:26px;height:26px;stroke:var(--deep-teal);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}

/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-radius:var(--radius);overflow:hidden;background:#fff;box-shadow:var(--shadow)}
.stat{padding:28px 24px;border-right:1px solid var(--light-gray)}
.stat:last-child{border-right:0}
.stat b{display:block;font:400 2.6rem/1 var(--serif);color:var(--black)}
.stat b em{font-style:normal;color:var(--teal)}
.stat span{display:block;margin-top:8px;color:var(--charcoal);font-size:.95rem;line-height:1.4}

/* steps */
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.step{position:relative;padding-top:64px}
.step::before{counter-increment:step;content:counter(step);position:absolute;top:0;left:0;width:48px;height:48px;border-radius:50%;background:var(--teal);color:var(--black);display:grid;place-items:center;font:400 1.4rem/1 var(--serif)}
.step::after{content:"";position:absolute;top:24px;left:60px;right:-12px;border-top:2px dashed #b9d9d3}
.step:last-child::after{display:none}
.step h3{font-size:1.25rem}
.step p{color:var(--charcoal);font-size:.97rem}
.dark .step p{color:#cfd8d5}

/* prose */
.prose{font-size:1.07rem}
.prose h2{margin-top:1.6em;font-size:clamp(1.6rem,3vw,2.1rem)}
.prose h3{margin-top:1.4em}
.prose h4{margin-top:1.3em;font-family:var(--sans);font-weight:600;font-size:1.1rem}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.2em}
.prose li{margin-bottom:.5em}
.prose ul li::marker{color:var(--teal)}
.prose img{border-radius:var(--radius);margin:1.5em 0}
.prose blockquote{margin:1.5em 0;padding:18px 22px;border-left:3px solid var(--teal);background:var(--mint);border-radius:0 var(--radius-sm) var(--radius-sm) 0}
.prose table{width:100%;border-collapse:collapse;margin:1.5em 0;font-size:.95rem;display:block;overflow-x:auto}
.prose th{background:var(--teal);color:var(--black);text-align:left;padding:10px 12px;font-weight:600}
.prose td{padding:10px 12px;border-bottom:1px solid var(--light-gray)}
.prose tr:nth-child(even) td{background:var(--light-gray)}
.prose>*:first-child{margin-top:0}
.content-layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:start}
.sidebar{position:sticky;top:110px;display:grid;gap:20px}
.side-card{background:var(--mint);border-radius:var(--radius);padding:26px}
.side-card h3{font-size:1.35rem}
.side-card p{font-size:.95rem;color:var(--charcoal)}
.side-card ul{list-style:none;padding:0;margin:0}
.side-card li{border-top:1px solid #cfe6e1}
.side-card li a{display:block;padding:10px 0;text-decoration:none;color:var(--black);font-size:.95rem}
.side-card li a:hover{color:var(--deep-teal)}

/* callouts (brand system) */
.callout{border-left:3px solid var(--teal);background:var(--mint);padding:16px 20px;border-radius:0 var(--radius-sm) var(--radius-sm) 0;margin:1.5em 0;font-size:.97rem}
.callout .label{display:block;font:600 12px/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--deep-teal);margin-bottom:8px}
.callout.assumption{border-color:var(--deep-teal);background:var(--light-gray)}
.callout.watch{border-color:var(--slate);background:var(--slate-tint)}
.callout.watch .label{color:var(--charcoal)}

/* FAQ */
.faq{border-top:1px solid #d8e5e1}
.faq details{border-bottom:1px solid #d8e5e1}
.faq summary{list-style:none;cursor:pointer;padding:22px 44px 22px 0;position:relative;font:500 1.12rem/1.4 var(--sans)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:50%;width:22px;height:22px;margin-top:-11px;border-radius:50%;background:var(--mint) no-repeat center/12px;background-image:linear-gradient(var(--deep-teal),var(--deep-teal)),linear-gradient(var(--deep-teal),var(--deep-teal));background-size:10px 2px,2px 10px;transition:.2s}
.faq details[open] summary::after{background-size:10px 2px,0 0}
.faq .answer{padding:0 0 22px;color:var(--charcoal)}
.faq .answer p:last-child{margin-bottom:0}

/* lenders */
.lenders{display:grid;grid-template-columns:repeat(auto-fill,minmax(140px,1fr));gap:14px}
.lenders div{background:#fff;border:1px solid #e3ebe8;border-radius:var(--radius-sm);display:grid;place-items:center;padding:16px;aspect-ratio:2.2}
.lenders img{max-height:44px;width:auto;filter:grayscale(1);opacity:.75;transition:.2s}
.lenders div:hover img{filter:none;opacity:1}
.marquee{overflow:hidden;mask-image:linear-gradient(90deg,transparent,#000 8%,#000 92%,transparent)}
.marquee-track{display:flex;gap:18px;width:max-content;animation:scroll 60s linear infinite}
.marquee-track div{width:150px;flex:none}
@keyframes scroll{to{transform:translateX(-50%)}}
@media (prefers-reduced-motion:reduce){.marquee-track{animation:none;flex-wrap:wrap;width:auto}}

/* team */
.team-card{text-align:center;text-decoration:none;color:inherit}
.team-card img{width:100%;aspect-ratio:1;object-fit:cover;object-position:top;border-radius:var(--radius);background:var(--mint);margin-bottom:16px;transition:.2s}
.team-card:hover img{transform:translateY(-3px);box-shadow:var(--shadow)}
.team-card h3{font-size:1.3rem;margin-bottom:4px}
.team-card p{color:var(--slate);font-size:.93rem;margin:0}
.person-hero img{border-radius:var(--radius);background:var(--mint)}

/* articles */
.post-card{background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid #e3ebe8;display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:.15s}
.post-card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.post-card img{aspect-ratio:16/10;object-fit:cover;width:100%}
.post-card .pc-body{padding:22px 24px 26px;display:flex;flex-direction:column;flex:1}
.post-card .meta{font-size:.8rem;color:var(--slate);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px}
.post-card h3{font-size:1.3rem;margin-bottom:10px}
.post-card p{font-size:.95rem;color:var(--charcoal);margin:0}
.article-hero{background:var(--mint);padding:48px 0 0}
.article-hero .meta{color:var(--slate);font-size:.95rem;display:flex;flex-wrap:wrap;gap:6px 18px;margin-bottom:28px}
.article-hero .feature{border-radius:var(--radius) var(--radius) 0 0;aspect-ratio:21/9;object-fit:cover;width:100%;margin-top:10px}
.byline{display:flex;align-items:center;gap:14px;padding:20px 0;border-top:1px solid var(--light-gray);border-bottom:1px solid var(--light-gray);margin:2em 0}
.byline img{width:56px;height:56px;border-radius:50%;object-fit:cover;object-position:top;background:var(--mint)}
.byline b{display:block}
.byline span{font-size:.9rem;color:var(--slate)}
.tags{display:flex;flex-wrap:wrap;gap:8px}
.tags a{font-size:.85rem;background:var(--light-gray);padding:6px 12px;border-radius:999px;text-decoration:none;color:var(--black)}
.filter-bar{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:32px}
.filter-bar a{padding:8px 16px;border-radius:999px;border:1px solid #cfdcd8;text-decoration:none;color:var(--black);font-size:.92rem}
.filter-bar a.active,.filter-bar a:hover{background:var(--teal);border-color:var(--teal)}

/* forms */
.form-card{background:#fff;border-radius:var(--radius);padding:clamp(24px,4vw,40px);box-shadow:var(--shadow);border:1px solid #e3ebe8}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-grid .full{grid-column:1/-1}
label.f{display:block;font-weight:500;font-size:.92rem;margin-bottom:6px}
.f-input,select.f-input,textarea.f-input{width:100%;font:inherit;font-size:1rem;padding:13px 14px;border:1.5px solid #cfdcd8;border-radius:var(--radius-sm);background:#fff;color:var(--black)}
textarea.f-input{min-height:130px;resize:vertical}
.f-input:focus{outline:none;border-color:var(--deep-teal);box-shadow:0 0 0 3px rgba(31,186,167,.25)}
.consent{font-size:.82rem;color:var(--slate);margin-top:14px}
.form-msg{margin-top:14px;font-weight:500}
.form-msg.ok{color:var(--deep-teal)}.form-msg.err{color:var(--charcoal)}
.hp{position:absolute;left:-9999px}
.choice-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(160px,1fr));gap:10px}
.choice-grid label{display:flex;gap:10px;align-items:center;border:1.5px solid #cfdcd8;border-radius:var(--radius-sm);padding:12px 14px;cursor:pointer;font-size:.95rem}
.choice-grid input{accent-color:var(--deep-teal)}
.choice-grid label:has(input:checked){border-color:var(--deep-teal);background:var(--mint)}

/* CTA band */
.cta-band{background:var(--charcoal);color:#fff;border-radius:calc(var(--radius) * 1.5);padding:clamp(32px,5vw,56px);display:grid;grid-template-columns:1.4fr 1fr;gap:32px;align-items:center;position:relative;overflow:hidden}
.cta-band::after{content:"";position:absolute;right:-60px;bottom:-60px;width:220px;height:220px;border-radius:50%;background:var(--teal);opacity:.25}
.cta-band h2{color:#fff;margin-bottom:10px}
.cta-band p{color:#d5dedb;margin:0}
.cta-band .btn-row{justify-content:flex-end;position:relative;z-index:1}

/* tool embed */
.tool-frame{width:100%;border:0;border-radius:var(--radius);background:#fff;box-shadow:var(--shadow);min-height:900px}
.calc-frame{width:100%;border:0;min-height:760px;background:#fff;border-radius:var(--radius)}

/* compliance */
.disclaimer{font-size:.85rem;color:var(--slate);border-top:1px solid var(--light-gray);padding-top:18px;margin-top:32px}

/* footer */
.site-footer{background:var(--black);color:#b9c3bf;font-size:.95rem;padding:72px 0 0}
.site-footer a{color:#e8eeec;text-decoration:none}
.site-footer a:hover{color:var(--teal)}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.site-footer h3{font-family:var(--sans);font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:#fff;font-weight:600;margin-bottom:16px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:9px}
.footer-logo img{width:180px;margin-bottom:18px}
.nap{font-style:normal;line-height:1.8}
.social{display:flex;gap:10px;margin-top:18px}
.social a{width:40px;height:40px;border-radius:50%;background:#3a2f31;display:grid;place-items:center}
.social a:hover{background:var(--teal)}
.social svg{width:18px;height:18px;fill:#fff}
.social a:hover svg{fill:var(--black)}
.footer-legal{border-top:1px solid #3a2f31;margin-top:56px;padding:24px 0 32px;font-size:.82rem;line-height:1.6;color:#98a39f}
.footer-legal p{margin:0 0 8px}
.service-area{margin-top:14px;font-size:.88rem;color:#98a39f}

/* mobile call bar */
.mobile-bar{display:none}

/* responsive */
@media (max-width:1180px){.header-cta .phone{display:none}}
@media (max-width:1080px){
  .nav>ul{display:none}
  .menu-toggle{display:block}
  .header-cta .phone{display:none}
  .nav.open>ul{display:flex;flex-direction:column;position:fixed;inset:78px 0 0 0;background:#fff;padding:16px var(--gutter) 120px;overflow:auto;gap:0;align-items:stretch}
  .nav.open li{border-bottom:1px solid var(--light-gray)}
  .nav.open .top{padding:16px 4px!important;font-size:1.08rem!important;width:100%;text-align:left}
  .nav.open .dropdown{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;padding:0 0 10px 8px;margin:0;display:none}
  .nav.open li.open>.dropdown{display:block}
  .footer-grid{grid-template-columns:1fr 1fr}
  .content-layout{grid-template-columns:1fr}
  .sidebar{position:static}
}
@media (max-width:860px){
  body{font-size:16.5px}
  .hero .wrap,.split,.page-hero.has-img .wrap,.cta-band{grid-template-columns:1fr}
  .hero .wrap{padding-top:40px;gap:32px}
  .hero-media{max-width:380px;margin:0 auto}
  .g3,.g4{grid-template-columns:1fr 1fr}
  .stats{grid-template-columns:1fr 1fr}
  .stat:nth-child(2){border-right:0}
  .stat:nth-child(-n+2){border-bottom:1px solid var(--light-gray)}
  .steps{grid-template-columns:1fr 1fr}
  .step::after{display:none}
  .cta-band .btn-row{justify-content:flex-start}
  .topbar .tb-left span:nth-child(n+2){display:none}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--light-gray);box-shadow:0 -6px 20px rgba(35,23,25,.08)}
  .mobile-bar a{padding:14px;text-align:center;font-weight:600;text-decoration:none;color:var(--black)}
  .mobile-bar a+a{background:var(--teal)}
  body{padding-bottom:52px}
}
@media (max-width:560px){
  .topbar .tb-left{display:none}
  .topbar .wrap{justify-content:center}
  .g2,.g3,.g4,.form-grid,.steps{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .logo img{width:150px}
  .header-cta .btn{padding:12px 16px;font-size:.9rem}
  .hero-badge{left:0}
}
@media print{.site-header,.topbar,.site-footer,.mobile-bar,.cta-band{display:none}}