/* eLead Referral Engine - program page (v1.16.1). Night navy and glowing gold, like the program video and the gold logo. */
:root {
  --night: #050811; --night-2: #08101f; --deep: #0b1630; --deep-2: #12224a; --line: rgba(255, 255, 255, .1);
  --gold: #ffc43d; --gold-2: #f0a51f; --gold-3: #fff0c2; --gold-line: rgba(255, 196, 61, .3);
  --text: #dbe3f3; --text-2: #a9b6d2; --white: #ffffff; --ink: #0b1220;
  --radius: 18px;
  --display: 'Anton', Impact, 'Arial Narrow', sans-serif;
  --body: 'Montserrat', -apple-system, 'Segoe UI', Roboto, Helvetica, Arial, sans-serif;
}
* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; scroll-padding-top: 128px; }
body { margin: 0; font-family: var(--body); color: var(--text); background: var(--night); line-height: 1.65; font-size: 16px; overflow-x: hidden; }
img, video { max-width: 100%; height: auto; display: block; }
a { color: var(--gold); }
h1, h2, h3 { line-height: 1.08; margin: 0 0 .45em; color: var(--white); }
h1, h2, .h-display { font-family: var(--display); font-weight: 400; letter-spacing: .01em; text-transform: uppercase; }
h1 { font-size: clamp(3rem, 8vw, 5.4rem); line-height: .98; }
h2 { font-size: clamp(2.1rem, 5vw, 3.4rem); }
h3 { font-size: 1.12rem; font-weight: 800; }
p { margin: 0 0 1em; }
strong, b { color: var(--white); }
.wrap { width: 100%; max-width: 1180px; margin: 0 auto; padding: 0 20px; }
.narrow { max-width: 860px; }
.ico { width: 1.1em; height: 1.1em; fill: currentColor; flex: none; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--gold); color: var(--ink); padding: .5em 1em; border-radius: 8px; z-index: 100; }
.skip:focus { left: 8px; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }

.h-gold { background: linear-gradient(180deg, #fff6d2 0%, #ffd25a 38%, #f0a51f 100%); -webkit-background-clip: text; background-clip: text; color: transparent;
  filter: drop-shadow(0 0 14px rgba(255, 186, 52, .35)); }
.h-white { color: #fff; text-shadow: 0 0 22px rgba(120, 170, 255, .25); }
.eyebrow { font-size: .78rem; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; color: var(--gold); margin-bottom: .9em; display: flex; align-items: center; gap: .45em; }
.sec-head .eyebrow, .center .eyebrow { justify-content: center; }

/* buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .55em; border: 2px solid transparent; border-radius: 999px;
  padding: .85em 1.55em; font: 800 1rem/1.1 var(--body); text-decoration: none; cursor: pointer; transition: transform .12s, background .15s, box-shadow .15s; white-space: nowrap; }
.btn:hover { transform: translateY(-1px); }
.btn:active { transform: none; }
.btn-gold { background: linear-gradient(180deg, #ffd768, #ffb91f); color: #121212; box-shadow: 0 8px 26px rgba(255, 180, 40, .35), inset 0 1px 0 rgba(255, 255, 255, .5); }
.btn-gold:hover { box-shadow: 0 10px 34px rgba(255, 180, 40, .5), inset 0 1px 0 rgba(255, 255, 255, .5); }
.btn-line { border-color: rgba(255, 210, 110, .6); color: #fff; background: rgba(255, 255, 255, .03); }
.btn-line:hover { background: rgba(255, 196, 61, .1); }
.btn-line .ico { color: var(--gold); }
.btn-sm { padding: .55em 1.05em; font-size: .88rem; }
.btn-lg { padding: 1em 1.7em; font-size: 1.06rem; }
.btn-block { width: 100%; }
.btn[disabled] { opacity: .65; cursor: wait; transform: none; }

/* name + brokerage, same size and weight (Ohio equal-prominence rule) */
.nb { display: inline-flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: .1em .55em; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; color: #fff; }
.nb i { font-style: normal; color: var(--gold); font-weight: 400; }
.nb.lg { font-size: 1.02rem; }

/* top bar */
.bar { position: sticky; top: 0; z-index: 40; background: rgba(5, 8, 17, .9); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); border-bottom: 1px solid var(--line); }
.bar-in { display: flex; align-items: center; justify-content: space-between; gap: 12px; min-height: 64px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: #fff; min-width: 0; }
.brand-mark { width: 40px; height: auto; filter: drop-shadow(0 0 8px rgba(255, 186, 52, .35)); }
.brand span { display: flex; flex-direction: column; line-height: 1.15; min-width: 0; }
.brand b { font-family: var(--display); font-weight: 400; font-size: 1.12rem; letter-spacing: .04em; text-transform: uppercase; white-space: nowrap;
  background: linear-gradient(180deg, #fff1c4, #ffcf5a 50%, #f0a51f); -webkit-background-clip: text; background-clip: text; color: transparent; }
.brand small { font-size: .66rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--text-2); white-space: nowrap; }
.bar-nav { display: none; gap: 20px; }
.bar-nav a { color: var(--text-2); text-decoration: none; font-size: .84rem; font-weight: 700; white-space: nowrap; }
.bar-nav a:hover { color: #fff; }
.bar-cta { display: flex; align-items: center; gap: 8px; flex: none; }

/* hero */
.hero { position: relative; overflow: hidden; padding: 40px 0 64px; color: #fff;
  background: radial-gradient(900px 520px at 78% 18%, rgba(46, 86, 170, .45), transparent 70%), radial-gradient(700px 500px at 10% 90%, rgba(255, 170, 40, .14), transparent 70%), var(--night); }
.sparkle { position: absolute; inset: 0; pointer-events: none; opacity: .7;
  background-image: radial-gradient(2px 2px at 12% 22%, #ffd36b, transparent), radial-gradient(1.5px 1.5px at 30% 70%, #ffe7a8, transparent),
    radial-gradient(2px 2px at 48% 14%, #ffc43d, transparent), radial-gradient(1.5px 1.5px at 66% 82%, #fff2c8, transparent),
    radial-gradient(2.5px 2.5px at 84% 30%, #ffd36b, transparent), radial-gradient(1.5px 1.5px at 92% 66%, #ffe7a8, transparent),
    radial-gradient(2px 2px at 22% 48%, #ffcf5c, transparent), radial-gradient(1.5px 1.5px at 58% 56%, #ffe7a8, transparent); }
.hero-in { position: relative; display: grid; grid-template-columns: 1fr; gap: 44px; align-items: center; }
.hero-logo { width: min(420px, 88%); margin: 0 0 22px -6px; filter: drop-shadow(0 0 24px rgba(255, 186, 52, .28)); }
.hero h1 span { display: block; }
.tri { font-family: var(--display); font-size: clamp(1.25rem, 2.6vw, 1.6rem); letter-spacing: .04em; text-transform: uppercase; color: var(--gold-3); margin: .2em 0 .6em; }
.tri i { color: var(--gold); font-style: normal; padding: 0 .2em; }
.lead { font-size: 1.1rem; color: var(--text); max-width: 34em; }
.cta-row { display: flex; flex-wrap: wrap; gap: 12px; margin: 24px 0 16px; }
.center-row { justify-content: center; }
.already { font-size: .95rem; color: var(--text-2); margin: 0; }
.already a { display: inline-flex; align-items: center; gap: .35em; font-weight: 800; text-decoration: none; }
.already a:hover { text-decoration: underline; }
.hero-video { position: relative; margin: 0; display: flex; flex-direction: column; align-items: center; gap: 16px; }
.phone-glow { position: absolute; top: 6%; left: 50%; width: 120%; max-width: 520px; aspect-ratio: 1; transform: translateX(-50%);
  background: radial-gradient(circle, rgba(255, 190, 60, .32), rgba(255, 190, 60, .08) 45%, transparent 68%); filter: blur(10px); pointer-events: none; }
.phone { position: relative; width: min(340px, 80vw); aspect-ratio: 9 / 16; border-radius: 40px; padding: 11px; background: linear-gradient(160deg, #2a2f3a, #0b0d12 40%, #1a1d24);
  box-shadow: 0 0 0 1.5px #3a4256, 0 0 0 5px #0a0c11, 0 0 0 6.5px rgba(255, 210, 120, .35), 0 34px 80px rgba(0, 0, 0, .7), 0 0 120px rgba(255, 190, 60, .2); }
.phone .notch { position: absolute; top: 18px; left: 50%; width: 92px; height: 24px; transform: translateX(-50%); background: #000; border-radius: 999px; z-index: 2; }
.phone video, .phone > img { width: 100%; height: 100%; object-fit: cover; object-position: top; border-radius: 30px; background: #000; }
.sound { position: absolute; left: 50%; bottom: 30px; transform: translateX(-50%); z-index: 3; display: inline-flex; align-items: center; gap: 8px; border: 0; border-radius: 999px;
  padding: .75em 1.25em; background: linear-gradient(180deg, #ffd768, #ffb91f); color: #121212; font: 800 .95rem var(--body); cursor: pointer;
  box-shadow: 0 8px 26px rgba(0, 0, 0, .45); white-space: nowrap; }
.sound.on { background: rgba(5, 8, 17, .72); color: #fff; padding: .55em .95em; font-size: .8rem; }
figcaption { font-size: .86rem; color: var(--text-2); text-align: center; }

/* stats */
.stats { background: linear-gradient(180deg, #0b1630, #08101f); border-top: 1px solid rgba(255, 196, 61, .25); border-bottom: 1px solid var(--line); padding: 26px 0 22px; }
.stats-in { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px 12px; text-align: center; }
.stat b { display: block; font-family: var(--display); font-weight: 400; font-size: clamp(1.7rem, 3.6vw, 2.4rem); line-height: 1.05; color: var(--gold);
  text-shadow: 0 0 18px rgba(255, 186, 52, .35); letter-spacing: .02em; }
.stat span { font-size: .76rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--text-2); }
.stat:last-child { grid-column: 1 / -1; }

/* sections */
.sec { position: relative; padding: 72px 0; }
.sec-deep { background: radial-gradient(1000px 500px at 50% 0%, rgba(40, 80, 170, .22), transparent 70%), linear-gradient(180deg, var(--deep), #08101f); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.sec-head { max-width: 820px; margin: 0 auto 34px; text-align: center; }
.sub { font-size: 1.06rem; color: var(--text); }

/* how it works */
.steps { display: grid; grid-template-columns: 1fr; gap: 18px; }
.step { display: grid; grid-template-columns: 120px 1fr; gap: 16px; align-items: start; padding: 16px; border-radius: var(--radius); background: rgba(255, 255, 255, .035); border: 1px solid var(--gold-line); }
.step img { width: 100%; aspect-ratio: 9 / 16; object-fit: cover; border-radius: 12px; }
.step .role { font-size: .72rem; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; color: var(--gold); margin: 0 0 .3em; }
.step h3 { font-family: var(--display); font-weight: 400; font-size: 1.5rem; letter-spacing: .02em; text-transform: uppercase; }
.step p { font-size: .95rem; }
.step-n { float: right; display: grid; place-items: center; width: 34px; height: 34px; border-radius: 10px; font-family: var(--display); font-size: 1.2rem; color: #121212;
  background: linear-gradient(180deg, #ffd768, #ffb91f); box-shadow: 0 0 18px rgba(255, 186, 52, .3); margin-left: 8px; }
.signals { margin: 40px auto 0; max-width: 980px; padding: 26px 22px; border-radius: 22px; border: 1px solid var(--line); background: rgba(255, 255, 255, .025); text-align: center; }
.signals h3 { font-size: clamp(1.5rem, 3.4vw, 2.1rem); }
.signals ul { list-style: none; margin: 16px 0 0; padding: 0; display: grid; grid-template-columns: 1fr; gap: 10px; text-align: left; }
.signals li { display: flex; gap: 12px; align-items: center; padding: 11px 14px; border-radius: 12px; background: rgba(5, 8, 17, .5); border: 1px solid rgba(255, 196, 61, .18); font-weight: 600; color: #fff; font-size: .95rem; }
.signals li .ico { color: var(--gold); width: 1.4em; height: 1.4em; }
.callout { margin: 34px auto 0; max-width: 980px; text-align: center; padding: 26px 22px; border-radius: var(--radius); background: rgba(255, 255, 255, .03); border: 1px solid var(--line); }
.callout-big { font-family: var(--display); font-size: clamp(1.8rem, 4vw, 2.6rem); line-height: 1.08; text-transform: uppercase; color: #fff; margin: 0 0 .4em; }
.duo-call { display: grid; grid-template-columns: 1fr; gap: 18px; align-items: center; }
.duo-call img { display: none; width: 100%; max-width: 220px; aspect-ratio: 9 / 16; object-fit: cover; border-radius: 16px; border: 1px solid var(--gold-line); margin: 0 auto; }

/* devices (CRM + New Builds) */
.devices { position: relative; display: grid; grid-template-columns: 1fr; gap: 26px; align-items: end; justify-items: center; max-width: 1060px; margin: 0 auto; }
.browser { width: 100%; border-radius: 16px; overflow: hidden; background: #0f1b30; border: 1px solid rgba(255, 210, 120, .35); box-shadow: 0 30px 80px rgba(0, 0, 0, .6), 0 0 80px rgba(255, 190, 60, .12); }
.browser-bar { display: flex; align-items: center; gap: 7px; height: 38px; padding: 0 14px; background: #101c33; border-bottom: 1px solid rgba(255, 255, 255, .08); }
.browser-bar i { width: 11px; height: 11px; border-radius: 50%; background: #ff5f57; }
.browser-bar i:nth-child(2) { background: #febc2e; }
.browser-bar i:nth-child(3) { background: #28c840; }
.browser-bar span { flex: 1; margin-left: 10px; max-width: 420px; text-align: center; font-size: .74rem; color: #c8d2e6; background: #22304a; border-radius: 999px; padding: 3px 12px; overflow: hidden; text-overflow: ellipsis; white-space: nowrap; }
.browser img { width: 100%; }
.phone-img { width: min(250px, 62vw); }
.sample { display: flex; align-items: center; justify-content: center; gap: 8px; font-size: .82rem; color: var(--text-2); margin: 18px 0 0; text-align: center; }
.sample .ico { color: var(--gold); }
.feats { display: grid; grid-template-columns: 1fr; gap: 14px; margin-top: 36px; }
.feat { padding: 20px 20px 6px; border-radius: var(--radius); background: rgba(5, 8, 17, .5); border: 1px solid rgba(255, 196, 61, .2); }
.feat > .ico { width: 34px; height: 34px; padding: 7px; border-radius: 10px; background: rgba(255, 196, 61, .14); color: var(--gold); margin-bottom: 10px; }
.feat h3 { font-size: 1.05rem; }
.feat p { font-size: .93rem; }
.shots { display: grid; grid-auto-flow: column; grid-auto-columns: minmax(230px, 74%); gap: 14px; overflow-x: auto; scroll-snap-type: x mandatory; padding: 30px 2px 14px;
  -webkit-overflow-scrolling: touch; scrollbar-width: thin; scrollbar-color: rgba(255, 196, 61, .4) transparent; align-items: start; }
.shots figure { margin: 0; scroll-snap-align: start; }
.shots img { width: 100%; max-height: 520px; object-fit: cover; object-position: top; border-radius: 14px; border: 1px solid rgba(255, 210, 120, .3); box-shadow: 0 16px 40px rgba(0, 0, 0, .45); background: #f3f5f9; }
.shots figcaption { font-weight: 700; color: var(--text); margin-top: 10px; }

/* new builds */
.nb-grid { display: grid; grid-template-columns: 1fr; gap: 26px; margin-top: 40px; align-items: center; }
.nb-points { display: grid; grid-template-columns: 1fr; gap: 14px; }
.pt { display: flex; gap: 14px; align-items: flex-start; }
.pt > .ico { width: 38px; height: 38px; padding: 8px; border-radius: 12px; background: rgba(255, 196, 61, .14); color: var(--gold); }
.pt h3 { font-size: 1.02rem; margin-bottom: .2em; }
.pt p { font-size: .93rem; margin: 0; }
.nb-map { margin: 0; }
.nb-map img { width: 100%; border-radius: 18px; border: 1px solid rgba(255, 210, 120, .35); box-shadow: 0 24px 60px rgba(0, 0, 0, .5); }
.nb-map figcaption { margin-top: 10px; }

/* premier lender */
.sec-lender { background: radial-gradient(900px 600px at 20% 0%, rgba(255, 186, 52, .14), transparent 70%), radial-gradient(900px 600px at 90% 60%, rgba(40, 80, 170, .25), transparent 70%), #060b17;
  border-top: 1px solid rgba(255, 196, 61, .3); border-bottom: 1px solid rgba(255, 196, 61, .3); }
.lender-tag { font-family: var(--display); font-size: clamp(1.3rem, 3vw, 1.8rem); letter-spacing: .03em; text-transform: uppercase; color: var(--gold-3); }
.lender-hero { display: grid; grid-template-columns: 1fr; gap: 24px; align-items: start; }
.lh-img { margin: 0; }
.lh-img img { width: 100%; max-width: 420px; margin: 0 auto; aspect-ratio: 9 / 16; object-fit: cover; border-radius: 22px; border: 1px solid rgba(255, 196, 61, .4); box-shadow: 0 30px 70px rgba(0, 0, 0, .6), 0 0 60px rgba(255, 186, 52, .15); }
.lh-video { margin: 0; display: flex; flex-direction: column; align-items: center; gap: 14px; }
.lh-video .phone { width: min(300px, 76vw); }
.lh-feat { display: grid; grid-template-columns: 1fr; gap: 18px; }
.lcard { display: flex; flex-direction: column; border-radius: var(--radius); overflow: hidden; background: rgba(9, 16, 34, .85); border: 1px solid rgba(255, 196, 61, .25); }
.lcard > img { width: 100%; aspect-ratio: 1 / 1; object-fit: cover; object-position: center 20%; }
.lcard > div { padding: 16px 18px 14px; display: flex; flex-direction: column; flex: 1; }
.lcard h3 { font-family: var(--display); font-weight: 400; font-size: 1.55rem; letter-spacing: .02em; text-transform: uppercase; margin-bottom: .15em; }
.lcard .ttl { font-size: .8rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; color: var(--gold); margin-bottom: .6em; line-height: 1.4; }
.lcard .bio { font-size: .9rem; color: var(--text); }
.lcard .lic { display: flex; gap: 6px; align-items: flex-start; font-size: .78rem; color: var(--text-2); }
.lcard .lic .ico { color: var(--gold); margin-top: .15em; }
.lcard .badge { align-self: flex-start; font-size: .68rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; color: #121212; background: linear-gradient(180deg, #ffd768, #ffb91f); border-radius: 999px; padding: .25em .8em; margin-bottom: .6em; }
.lc-links { display: flex; flex-direction: column; gap: 6px; margin: auto 0 0; padding-top: 6px; }
.lc-links a { display: inline-flex; align-items: center; gap: 8px; color: #fff; text-decoration: none; font-weight: 700; font-size: .9rem; min-width: 0; }
.lc-links a span { overflow: hidden; text-overflow: ellipsis; }
.lc-links .ico { color: var(--gold); }
.lc-links a:hover { color: var(--gold); }
.lcard.big { border-color: rgba(255, 196, 61, .5); box-shadow: 0 0 40px rgba(255, 186, 52, .12); }
.team-h { text-align: center; font-size: clamp(1.7rem, 4vw, 2.4rem); margin: 48px 0 22px; }
.team { display: grid; grid-template-columns: 1fr; gap: 16px; }
.programs { margin: 40px auto 0; text-align: center; }
.programs ul { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; justify-content: center; gap: 10px; }
.programs li { display: inline-flex; align-items: center; gap: 7px; padding: .55em 1.05em; border-radius: 999px; border: 1px solid rgba(255, 196, 61, .45); background: rgba(255, 196, 61, .07); color: #fff; font-weight: 700; font-size: .92rem; }
.programs li .ico { color: var(--gold); }
.lhigh { display: grid; grid-template-columns: 1fr; gap: 14px; margin: 36px 0 30px; }
.lhigh article { padding: 20px 20px 8px; border-radius: var(--radius); background: rgba(255, 255, 255, .035); border: 1px solid var(--line); border-top: 3px solid var(--gold); }
.lhigh h3 { font-size: 1.05rem; }
.lhigh p { font-size: .93rem; }
.strip { display: grid; grid-auto-flow: column; grid-auto-columns: minmax(170px, 44%); gap: 14px; overflow-x: auto; scroll-snap-type: x mandatory; padding: 4px 2px 14px;
  -webkit-overflow-scrolling: touch; scrollbar-width: thin; scrollbar-color: rgba(255, 196, 61, .4) transparent; }
.strip figure { margin: 0; scroll-snap-align: start; }
.strip img { width: 100%; aspect-ratio: 9 / 16; object-fit: cover; border-radius: 16px; border: 1px solid var(--gold-line); box-shadow: 0 16px 40px rgba(0, 0, 0, .45); }
.strip figcaption { font-weight: 700; color: var(--text); margin-top: 10px; font-size: .84rem; }
.office { display: grid; grid-template-columns: 1fr; gap: 16px; margin-top: 30px; }
.office-card { padding: 22px; border-radius: var(--radius); border: 1px solid rgba(255, 196, 61, .35); background: rgba(255, 196, 61, .05); }
.office-card h3 { font-family: var(--display); font-weight: 400; font-size: 1.6rem; text-transform: uppercase; letter-spacing: .02em; }
.office-card.call { text-align: center; background: linear-gradient(180deg, rgba(255, 196, 61, .14), rgba(255, 196, 61, .04)); }
.office-card.call .eyebrow { justify-content: center; }
.big-tel { display: block; font-family: var(--display); font-size: clamp(2.2rem, 6vw, 3rem); color: var(--gold); text-decoration: none; line-height: 1.1; margin: .1em 0 .2em; text-shadow: 0 0 18px rgba(255, 186, 52, .35); }
.lender-disc { font-size: .74rem; color: #8592b0; text-align: center; max-width: 900px; margin: 26px auto 0; }

/* fee + footprint */
.fees { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; max-width: 760px; margin: 0 auto; }
.feecard { text-align: center; padding: 26px 14px 22px; border-radius: 22px; border: 1px solid rgba(255, 196, 61, .45); background: radial-gradient(400px 200px at 50% 0%, rgba(255, 186, 52, .16), transparent 70%), rgba(5, 8, 17, .6); }
.feecard b { display: block; font-family: var(--display); font-weight: 400; font-size: clamp(3.4rem, 10vw, 5.6rem); line-height: 1; color: var(--gold); text-shadow: 0 0 26px rgba(255, 186, 52, .4); }
.feecard span { display: block; margin-top: 10px; font-size: .8rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; color: var(--text-2); }
.feecard strong { font-size: 1.05rem; letter-spacing: .02em; }
.where { display: grid; grid-template-columns: 1fr; gap: 28px; margin-top: 56px; align-items: center; }
.where h3.h-display { font-size: clamp(1.8rem, 4vw, 2.6rem); }
.where-media { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.where-media img { width: 100%; aspect-ratio: 9 / 16; object-fit: cover; border-radius: 18px; border: 1px solid var(--gold-line); }
.where-media img:last-child { margin-top: 36px; }
.foot { list-style: none; padding: 0; margin: 22px 0 0; display: flex; flex-wrap: wrap; gap: 10px; }
.foot li { display: flex; flex-direction: column; padding: 10px 16px; border-radius: 14px; border: 1px solid var(--line); background: rgba(255, 255, 255, .03); min-width: 130px; }
.foot li b { font-family: var(--display); font-weight: 400; font-size: 1.3rem; letter-spacing: .03em; text-transform: uppercase; color: #fff; }
.foot li span { font-size: .74rem; font-weight: 700; color: var(--text-2); text-transform: uppercase; letter-spacing: .06em; }
.foot li.live { border-color: rgba(255, 196, 61, .45); }
.foot li.live span { color: var(--gold); }
.foot li.next { border-style: dashed; }

/* apply + form */
.sec-form { background: radial-gradient(900px 600px at 80% 20%, rgba(255, 186, 52, .1), transparent 70%), var(--night); }
.talk { display: grid; grid-template-columns: 1fr; gap: 34px; align-items: start; }
.talk-copy p { font-size: 1.04rem; }
.why { list-style: none; padding: 0; margin: 0 0 20px; display: grid; gap: 12px; }
.why li { display: flex; gap: 12px; align-items: flex-start; }
.why .ico { color: var(--gold); width: 1.35em; height: 1.35em; margin-top: .1em; }
.talk-phone { display: inline-flex; align-items: center; gap: 12px; margin: 8px 0 18px; padding: 12px 18px; border-radius: 16px; text-decoration: none;
  border: 1px solid rgba(255, 196, 61, .4); background: rgba(255, 196, 61, .06); color: #fff; }
.talk-phone .ico { width: 1.6em; height: 1.6em; color: var(--gold); }
.talk-phone span { display: flex; flex-direction: column; line-height: 1.2; }
.talk-phone small { color: var(--text-2); font-weight: 600; font-size: .8rem; }
.talk-phone b { font-size: 1.35rem; letter-spacing: .02em; }
.form-card { background: #f8fafc; color: var(--ink); border-radius: 22px; padding: 24px 18px; box-shadow: 0 30px 70px rgba(0, 0, 0, .5), 0 0 0 1px rgba(255, 196, 61, .35); }
.form-card h3 { color: var(--ink); font-size: 1.3rem; font-weight: 900; }
.form-card a { color: #b26b00; font-weight: 700; }
.form-sub { color: #4b5563; font-size: .95rem; }
.grid2 { display: grid; grid-template-columns: 1fr; gap: 14px 14px; }
.fld { display: flex; flex-direction: column; gap: 5px; min-width: 0; margin: 0; padding: 0; border: 0; }
.fld label, .fld legend { font-size: .88rem; font-weight: 800; color: #1f2937; padding: 0; }
.fld legend { margin-bottom: 8px; }
.help { font-size: .82rem; color: #6b7280; margin: -4px 0 10px; }
.req { color: #c2410c; margin-left: 2px; }
.fld input:not([type=checkbox]):not([type=radio]), .fld select, .fld textarea, .other-in { width: 100%; font: 500 1rem var(--body); color: var(--ink); background: #fff; border: 1.5px solid #cbd5e1; border-radius: 12px; padding: .75em .85em; }
.fld input:focus, .fld select:focus, .fld textarea:focus, .other-in:focus { outline: none; border-color: #e0a100; box-shadow: 0 0 0 4px rgba(255, 196, 61, .3); }
.fld.bad input:not([type=checkbox]):not([type=radio]) { border-color: #dc2626; background: #fff5f5; }
.fld.bad legend { color: #b91c1c; }
.err { margin: 0; font-size: .8rem; font-weight: 700; color: #b91c1c; }
.err:empty { display: none; }
.chips { display: grid; grid-template-columns: 1fr; gap: 8px; }
.chip, .rad { position: relative; cursor: pointer; }
.chip input, .rad input, .crow input { position: absolute; opacity: 0; width: 1px; height: 1px; }
.chip span, .rad span { display: flex; align-items: center; gap: 9px; padding: .62em .8em; border-radius: 12px; border: 1.5px solid #d6dde8; background: #fff; font-size: .9rem; font-weight: 600; color: #1f2937; line-height: 1.3; transition: border-color .12s, background .12s; }
.chip span .ico { width: 1.05em; height: 1.05em; border-radius: 5px; border: 1.5px solid #9aa6b8; color: transparent; padding: 1px; flex: none; }
.chip input:checked + span, .rad input:checked + span { border-color: #e0a100; background: #fff8e1; color: #111; }
.chip input:checked + span .ico { background: #ffb91f; border-color: #e0a100; color: #121212; }
.chip input:focus-visible + span, .rad input:focus-visible + span, .crow input:focus-visible ~ .ctext { outline: 3px solid #e0a100; outline-offset: 2px; }
.rad-row { display: grid; grid-template-columns: 1fr; gap: 8px; }
.rad span::before { content: ''; width: 1.05em; height: 1.05em; border-radius: 50%; border: 1.5px solid #9aa6b8; background: #fff; flex: none; box-shadow: inset 0 0 0 3px #fff; }
.rad input:checked + span::before { border-color: #e0a100; background: #ffb91f; }
.other-in { margin-top: 8px; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* county picker */
.counties { border-top: 1px solid #e5e7eb; padding-top: 14px; }
.state-tabs { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-bottom: 12px; }
.stab { display: flex; align-items: center; justify-content: center; gap: 8px; padding: .7em .8em; border-radius: 12px; border: 1.5px solid #cbd5e1; background: #fff; font: 800 .95rem var(--body); color: #1f2937; cursor: pointer; }
.stab .ico { color: #9aa6b8; }
.stab.on { border-color: #0b1630; background: #0b1630; color: #fff; }
.stab.on .ico { color: var(--gold); }
.stab-n { min-width: 1.6em; padding: .1em .45em; border-radius: 999px; background: #e5e7eb; color: #374151; font-size: .78rem; }
.stab.on .stab-n { background: var(--gold); color: #121212; }
.stab-n.has { background: #ffb91f; color: #121212; }
.pick-q-help { position: absolute; left: -9999px; }
.pick-tools { margin-bottom: 8px; }
.pick-search { position: relative; display: block; }
.pick-search .ico { position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: #6b7280; }
.pick-search input { padding-left: 2.4em !important; }
.pick-regions { display: flex; gap: 6px; overflow-x: auto; padding: 2px 0 8px; scrollbar-width: thin; -webkit-overflow-scrolling: touch; }
.rchip { flex: none; border: 1.5px solid #d6dde8; background: #fff; color: #374151; border-radius: 999px; padding: .35em .8em; font: 700 .78rem var(--body); cursor: pointer; white-space: nowrap; }
.rchip span { color: #9aa6b8; font-weight: 600; }
.rchip.on { border-color: #e0a100; background: #fff3cd; color: #111; }
.pick-list { max-height: 330px; overflow-y: auto; border: 1.5px solid #d6dde8; border-radius: 14px; background: #fff; padding: 4px; overscroll-behavior: contain; }
.crow { position: relative; display: flex; align-items: flex-start; gap: 10px; padding: .55em .65em; border-radius: 10px; cursor: pointer; }
.crow:hover { background: #f8fafc; }
.cbox { display: grid; place-items: center; width: 1.2em; height: 1.2em; margin-top: .15em; border-radius: 5px; border: 1.5px solid #9aa6b8; color: transparent; flex: none; background: #fff; }
.cbox .ico { width: .85em; height: .85em; }
.crow input:checked ~ .cbox { background: #ffb91f; border-color: #e0a100; color: #121212; }
.crow input:checked ~ .ctext b { color: #7a4b00; }
.ctext { display: flex; flex-direction: column; line-height: 1.3; min-width: 0; }
.ctext b { font-size: .92rem; color: #111827; }
.ctext small { font-size: .78rem; color: #6b7280; }
.pick-none { padding: .8em; margin: 0; font-size: .88rem; color: #6b7280; }
.pick-sel { display: flex; flex-wrap: wrap; gap: 6px; margin-top: 10px; }
.pill { display: inline-flex; align-items: center; gap: 6px; padding: .3em .45em .3em .75em; border-radius: 999px; background: #0b1630; color: #fff; font-size: .8rem; font-weight: 700; }
.pill small { color: var(--gold); font-weight: 800; font-size: .66rem; letter-spacing: .06em; }
.pill button { border: 0; background: rgba(255, 255, 255, .15); color: #fff; width: 1.5em; height: 1.5em; border-radius: 50%; cursor: pointer; font: 800 .8rem/1 var(--body); }
.pill button:hover { background: var(--gold); color: #121212; }
.form-err { background: #fef2f2; color: #991b1b; border: 1px solid #fecaca; border-radius: 12px; padding: .7em .9em; font-weight: 700; font-size: .92rem; margin: 16px 0 0; }
#lpSend { margin-top: 18px; }
.spinner { width: 1.1em; height: 1.1em; border: 2.5px solid rgba(0, 0, 0, .25); border-top-color: #121212; border-radius: 50%; animation: spin .8s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.fine { font-size: .8rem; color: #4b5563; margin: 14px 0 0; text-align: center; }
.done { text-align: center; padding: 40px 26px; }
.done:focus { outline: none; }
.done-badge { width: 64px; height: 64px; margin: 0 auto 14px; border-radius: 50%; display: grid; place-items: center; background: linear-gradient(180deg, #ffd768, #ffb91f); color: #121212; box-shadow: 0 0 30px rgba(255, 186, 52, .45); }
.done-badge .ico { width: 30px; height: 30px; }
#lpDoneMsg p { color: #374151; }

/* faq */
.faq { display: grid; gap: 10px; }
.faq details { border-radius: 14px; border: 1px solid var(--line); background: rgba(255, 255, 255, .03); }
.faq details[open] { border-color: rgba(255, 196, 61, .4); background: rgba(255, 196, 61, .04); }
.faq summary { list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 14px; padding: 16px 18px; font-weight: 800; color: #fff; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .ico { color: var(--gold); transition: transform .2s; }
.faq details[open] summary .ico { transform: rotate(180deg); }
.faq details p { padding: 0 18px 14px; margin: 0; font-size: .96rem; }
.final { text-align: center; margin-top: 60px; padding: 40px 22px; border-radius: 24px; border: 1px solid rgba(255, 196, 61, .35);
  background: radial-gradient(600px 300px at 50% 0%, rgba(255, 186, 52, .16), transparent 70%), linear-gradient(180deg, #0b1630, #060b17); }
.final img { width: min(300px, 70%); margin: 0 auto 16px; filter: drop-shadow(0 0 26px rgba(255, 186, 52, .3)); }
.final p { font-family: var(--display); font-size: clamp(1.3rem, 3vw, 1.7rem); text-transform: uppercase; letter-spacing: .04em; color: var(--gold-3); }

/* footer */
.foot-bar { background: #03050b; border-top: 1px solid var(--line); padding: 34px 0 44px; text-align: center; font-size: .86rem; color: var(--text-2); }
.foot-bar a { color: var(--text); }
.foot-logo { width: 220px; margin: 0 auto 18px; opacity: .95; }
.foot-name { margin-bottom: 10px; }
.disc { font-size: .74rem; color: #7f8bab; max-width: 900px; margin: 16px auto 0; }

@media (max-width: 479px) {
  .brand small { display: none; }
  .brand b { font-size: .98rem; }
  .brand-mark { width: 34px; }
  .btn-login { padding: .5em .85em; font-size: .84rem; gap: .4em; }
  .exp-strip-in { gap: 8px 10px; }
}
@media (max-width: 399px) {
  .btn-login .lg-a { display: none; }
  .exp-strip { font-size: .8rem; }
  .exp-strip-btn { font-size: .78rem; padding: .3em .75em; }
}
@media (min-width: 560px) {
  .grid2 { grid-template-columns: 1fr 1fr; }
  .grid2 .full { grid-column: 1 / -1; }
  .chips { grid-template-columns: 1fr 1fr; }
  .rad-row { grid-template-columns: 1fr 1fr; }
  .stats-in { grid-template-columns: repeat(3, 1fr); }
  .stat:last-child { grid-column: auto; }
  .strip { grid-auto-columns: minmax(180px, 31%); }
  .shots { grid-auto-columns: minmax(230px, 46%); }
  .signals ul { grid-template-columns: 1fr 1fr; }
  .team { grid-template-columns: 1fr 1fr; }
  .lhigh { grid-template-columns: 1fr 1fr; }
  .feats { grid-template-columns: 1fr 1fr; }
  .office { grid-template-columns: 1fr 1fr; }
  .form-card { padding: 28px 26px; }
}
@media (min-width: 760px) {
  .stats-in { grid-template-columns: repeat(5, 1fr); }
  .steps { grid-template-columns: repeat(3, 1fr); }
  .step { grid-template-columns: 1fr; padding: 0; overflow: hidden; }
  .step img { border-radius: 0; aspect-ratio: 4 / 5; object-position: center top; }
  .step > div { padding: 0 20px 10px; }
  .duo-call { grid-template-columns: 180px 1fr 180px; text-align: left; gap: 26px; }
  .duo-call img { display: block; }
  .devices { grid-template-columns: 1fr 230px; gap: 0; }
  .devices .phone-img { width: 230px; margin-left: -60px; margin-bottom: -26px; z-index: 2; }
  .shots { grid-auto-columns: minmax(0, 1fr); grid-auto-flow: column; overflow: visible; }
  .team { grid-template-columns: repeat(3, 1fr); }
  .lh-feat { grid-template-columns: 1fr 1fr; }
  .lhigh { grid-template-columns: repeat(3, 1fr); }
  .feats { grid-template-columns: repeat(3, 1fr); }
  .strip { grid-auto-columns: minmax(0, 1fr); grid-auto-flow: column; overflow-x: auto; grid-auto-columns: 23%; }
  .where { grid-template-columns: 1.1fr .9fr; }
}
@media (min-width: 1000px) {
  .hero { padding: 54px 0 80px; }
  .hero-in { grid-template-columns: 1.1fr .9fr; }
  .devices { grid-template-columns: 1fr 260px; }
  .devices .phone-img { width: 260px; margin-left: -90px; }
  .nb-grid { grid-template-columns: 1fr 1fr; gap: 44px; }
  .lender-hero { grid-template-columns: .9fr 1fr; gap: 28px; }
  .lh-img { grid-row: span 2; }
  .lh-feat { grid-column: 1 / -1; }
  .team { grid-template-columns: repeat(5, 1fr); }
  .team .lcard h3 { font-size: 1.3rem; }
  .team .lcard .bio { font-size: .84rem; }
  .lc-links a { font-size: .8rem; }
  .talk { grid-template-columns: .8fr 1.2fr; gap: 48px; }
  .talk-copy { position: sticky; top: 140px; }
  .strip { grid-auto-columns: 18.5%; }
}
@media (min-width: 1200px) {
  .lender-hero { grid-template-columns: .85fr .75fr 1.2fr; }
  .lh-img { grid-row: auto; }
  .lh-feat { grid-column: auto; grid-template-columns: 1fr; }
  .lcard.big { flex-direction: row; }
  .lcard.big > img { width: 42%; aspect-ratio: auto; height: auto; }
}

/* Why Join eXp links (v1.16.1) */
.exp-strip { background: linear-gradient(90deg, #2a1c02, #4a3006 50%, #2a1c02); border-bottom: 1px solid rgba(255, 196, 61, .45); font-size: .84rem; color: #ffe9b0; }
.exp-strip-in { display: flex; align-items: center; justify-content: center; gap: 10px 16px; padding-top: 8px; padding-bottom: 8px; flex-wrap: wrap; text-align: center; }
.exp-strip p { margin: 0; line-height: 1.35; }
.exp-strip b { color: #fff; }
.exp-strip-btn { display: inline-flex; align-items: center; gap: .4em; padding: .35em .9em; border-radius: 999px; background: linear-gradient(180deg, #ffd768, #ffb91f); color: #121212; font-weight: 800; font-size: .82rem; text-decoration: none; white-space: nowrap; }
.exp-strip-btn:hover { box-shadow: 0 0 18px rgba(255, 186, 52, .5); }
/* v1.16.2: "Apply for Referrals" sits on its own row under the header bar */
.bar-apply { border-top: 1px solid rgba(255, 196, 61, .16); background: rgba(255, 196, 61, .035); }
.bar-apply-in { display: flex; justify-content: center; padding-top: 7px; padding-bottom: 8px; }
.bar-apply .btn-apply { width: 100%; max-width: 340px; padding: .5em 1.4em; font-size: .92rem; letter-spacing: .01em; box-shadow: 0 4px 18px rgba(255, 180, 40, .28), inset 0 1px 0 rgba(255, 255, 255, .5); }
.bar-apply .btn-apply .ico { width: 1em; height: 1em; }
.already + .already { margin-top: 6px; }
.already a .ico { width: 1em; height: 1em; }
.exp-note { display: flex; flex-wrap: wrap; align-items: center; justify-content: center; gap: 12px 18px; max-width: 760px; margin: 22px auto 0; padding: 14px 18px; border-radius: 16px; border: 1px dashed rgba(255, 196, 61, .45); background: rgba(255, 196, 61, .05); text-align: left; }
.exp-note p { display: flex; gap: 10px; align-items: flex-start; margin: 0; font-size: .92rem; flex: 1 1 320px; }
.exp-note p .ico { color: var(--gold); width: 1.3em; height: 1.3em; margin-top: .1em; }
.not-exp { margin: 4px 0 18px; padding: 18px 18px 16px; border-radius: 16px; border: 1px solid rgba(255, 196, 61, .4); background: linear-gradient(180deg, rgba(255, 196, 61, .1), rgba(255, 196, 61, .03)); }
.not-exp .eyebrow { margin-bottom: .5em; }
.not-exp p { font-size: .95rem; }
.exp-pick { grid-column: 1 / -1; display: flex; gap: 8px; align-items: flex-start; margin: 2px 0 0; padding: .65em .8em; border-radius: 12px; background: #fff8e1; border: 1.5px solid #f3d27a; color: #4a3a12; font-size: .86rem; font-weight: 600; }
.exp-pick .ico { color: #b26b00; margin-top: .15em; }
.done-exp { margin: 18px 0 0; }
.faq-link { padding: 0 18px 16px !important; }
.faq-link a { display: inline-flex; align-items: center; gap: .4em; font-weight: 800; text-decoration: none; }
.faq-link a:hover { text-decoration: underline; }
.final-exp { font-family: var(--body) !important; font-size: .95rem !important; text-transform: none !important; letter-spacing: 0 !important; color: var(--text-2) !important; margin: 18px 0 0; }
.final-exp a { display: inline-flex; align-items: center; gap: .35em; font-weight: 800; text-decoration: none; }
@media (max-width: 559px) {
  .exp-strip span { display: none; }
}
@media (min-width: 1100px) {
  .bar-nav { display: flex; align-items: center; gap: 22px; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  .btn, .faq summary .ico { transition: none; }
  .spinner { animation: none; }
}

/* v1.18.1: on phones and tablets the program video comes first - sized to fit the screen under the strip + header
   (--lp-top is measured by lp.js), so "Play with sound" is visible without scrolling. Desktop keeps copy | video. */
@media (max-width: 999px) {
  .hero { padding-top: 16px; }
  .hero-in { gap: 30px; }
  .hero-video { order: -1; gap: 10px; }
  .hero-video .phone { width: clamp(230px, calc((100vh - var(--lp-top, 176px) - 44px) * 9 / 16), min(340px, 80vw)); }
  .hero-logo { display: none; }      /* the video opens on the same gold logo */
  #watchBtn { display: none; }       /* the video is right above */
}
@supports (height: 100svh) {
  @media (max-width: 999px) {
    .hero-video .phone { width: clamp(230px, calc((100svh - var(--lp-top, 176px) - 44px) * 9 / 16), min(340px, 80vw)); }
  }
}