*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--primary:#1a2f4a;--secondary:#1a5f7a;--accent:#c9a227;--text-dark:#1a2f4a;--text-light:#5a6a7a;--bg-light:#f8f9fa;--white:#fff;--green:#27ae60;--green-light:#d4efdf;--border-light:#e2e8f0;--radius:8px;--shadow:0 2px 8px rgba(0,0,0,.08)}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;line-height:1.6;color:var(--text-dark);background:var(--bg-light)}
a{color:var(--secondary);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}
.container{max-width:1100px;margin:0 auto;padding:0 20px}
.skip-link{position:absolute;top:-100%;left:0;background:var(--primary);color:var(--white);padding:8px 16px;z-index:1000;border-radius:0 0 var(--radius) 0}
.skip-link:focus{top:0}

nav{background:var(--primary);color:var(--white);padding:12px 0;position:sticky;top:0;z-index:100;box-shadow:0 2px 4px rgba(0,0,0,.15)}
nav .container{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:8px}
nav .brand{display:flex;align-items:center;gap:10px}
.nav-logo{height:32px;width:auto;filter:brightness(0) invert(1);opacity:.95;transition:opacity .2s}
.nav-logo:hover{opacity:1}
nav .brand-name{font-size:18px;font-weight:700;letter-spacing:.3px;color:#fff}
nav .brand-name span{color:var(--accent)}
nav .nav-phone{font-size:15px;font-weight:600;color:var(--accent)}
nav .nav-phone:hover{color:var(--white);text-decoration:none}

.hero{background:linear-gradient(135deg,var(--primary) 0%,#2a4a6a 50%,var(--secondary) 100%);color:var(--white);padding:60px 24px 50px;text-align:center;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(circle at 20% 80%,rgba(201,162,39,.12) 0%,transparent 50%),radial-gradient(circle at 80% 20%,rgba(26,95,122,.15) 0%,transparent 50%)}
.hero .container{position:relative;z-index:1}
.hero-logo{height:50px;width:auto;margin-bottom:20px;filter:brightness(0) invert(1);opacity:.95}
.hero h1{font-family:'DM Serif Display',serif;font-size:clamp(28px,5vw,44px);font-weight:400;margin-bottom:12px;letter-spacing:-.5px}
.hero .subtitle{font-size:clamp(16px,2.5vw,20px);opacity:.92;max-width:500px;margin:0 auto 20px;line-height:1.5}
.no-credit{display:inline-block;font-size:12px;color:rgba(255,255,255,.5);background:rgba(255,255,255,.06);padding:6px 16px;border-radius:20px;margin-bottom:20px}
.cta-row{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;gap:6px;padding:12px 24px;border-radius:var(--radius);font-size:16px;font-weight:600;border:2px solid transparent;cursor:pointer;transition:all .2s;text-decoration:none}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-call{background:var(--green);color:var(--white)}
.btn-call:hover{background:#218838}
.btn-text{background:var(--accent);color:var(--primary)}
.btn-text:hover{background:#b8933f}
.btn-gold{background:var(--accent);color:var(--primary);border-color:var(--accent)}
.btn-gold:hover{background:#b8933f;border-color:#b8933f}
.btn-request{background:transparent;color:var(--white);border-color:var(--white)}
.btn-request:hover{background:rgba(255,255,255,.15)}

.calculator-section{padding:0 24px 50px;margin-top:-30px;position:relative;z-index:2}
.calc-card{max-width:560px;margin:0 auto;background:var(--white);border-radius:20px;box-shadow:0 10px 40px rgba(0,0,0,.12);padding:36px 32px}

.form-group{margin-bottom:24px}
.form-group label{display:block;font-size:13px;font-weight:600;color:var(--text-light);text-transform:uppercase;letter-spacing:.5px;margin-bottom:8px}
.address-input-wrap{position:relative}
.address-input-wrap input{width:100%;padding:14px 16px 14px 44px;border:2px solid var(--border-light);border-radius:12px;font-family:inherit;font-size:15px;color:var(--text-dark);outline:none;transition:border-color .2s}
.address-input-wrap input:focus{border-color:var(--accent)}
.address-input-wrap .icon{position:absolute;left:14px;top:50%;transform:translateY(-50%);font-size:18px}

.loading-spinner{display:none;text-align:center;padding:20px;color:var(--text-light);font-size:14px}
.loading-spinner.active{display:block}
.loading-spinner::after{content:'';display:inline-block;width:16px;height:16px;border:2px solid var(--border-light);border-top-color:var(--accent);border-radius:50%;animation:spin .6s linear infinite;margin-left:8px;vertical-align:middle}
@keyframes spin{to{transform:rotate(360deg)}}

.value-display{display:none;text-align:center;padding:20px;background:linear-gradient(135deg,#f0f9ff,#e8f8f5);border-radius:16px;margin-bottom:24px}
.value-display.active{display:block}
.value-label{font-size:12px;color:var(--text-light);text-transform:uppercase;letter-spacing:1px}
.value-amount{font-size:36px;font-weight:800;color:var(--primary);margin:4px 0}
.confidence-badge{display:inline-block;font-size:12px;font-weight:600;padding:4px 12px;border-radius:20px;margin-bottom:8px}
.confidence-high{background:var(--green-light);color:var(--green)}
.confidence-medium{background:#fef5e7;color:#f39c12}
.value-range{font-size:13px;color:var(--text-light)}
.value-source{font-size:11px;color:rgba(0,0,0,.3);margin-top:8px}

.mortgage-input{display:none}
.mortgage-input.active{display:block}
.slider-wrap{position:relative;margin-top:4px}
.slider-wrap input[type="range"]{width:100%;-webkit-appearance:none;height:8px;border-radius:4px;background:var(--border-light);outline:none}
.slider-wrap input[type="range"]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:var(--accent);cursor:pointer;box-shadow:0 2px 8px rgba(0,0,0,.15)}
.slider-value{text-align:center;font-size:28px;font-weight:800;color:var(--primary);margin-bottom:8px}

.result-section{display:none;text-align:center;padding-top:20px;border-top:1px solid var(--border-light);margin-top:8px}
.result-section.active{display:block}
.donut-wrap{width:200px;height:200px;margin:0 auto 20px;position:relative}
.donut{width:200px;height:200px;position:relative;display:grid;place-content:center}
.donut::before{content:'';position:absolute;inset:0;border-radius:50%;background:conic-gradient(var(--green) calc(var(--p) * 1%),#e74c3c 0);mask:radial-gradient(farthest-side,transparent calc(100% - 20px),#fff calc(100% - 19px));-webkit-mask:radial-gradient(farthest-side,transparent calc(100% - 20px),#fff calc(100% - 19px));transition:--p .6s ease}
.donut-center{position:relative;z-index:1;text-align:center}
.donut-center .equity-label{font-size:11px;color:var(--text-light);text-transform:uppercase;letter-spacing:1px}
.donut-center .equity-amount{font-size:22px;font-weight:800;color:var(--green)}
.legend{display:flex;justify-content:center;gap:24px;margin-bottom:20px}
.legend-item{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--text-light)}
.legend-dot{width:10px;height:10px;border-radius:50%}
.ltv-section{margin:20px 0}
.ltv-label{font-size:13px;color:var(--text-light);margin-bottom:8px;display:flex;justify-content:space-between}
.ltv-bar{width:100%;height:10px;background:var(--border-light);border-radius:5px;overflow:hidden}
.ltv-fill{height:100%;border-radius:5px;transition:width .6s ease,background .6s ease}
.ltv-meaning{font-size:13px;color:var(--text-light);margin-top:6px;font-weight:500}

.lead-section{display:none;background:linear-gradient(135deg,var(--primary),var(--secondary));border-radius:16px;padding:32px 24px;text-align:center;margin-top:24px;color:#fff}
.lead-section.active{display:block}
.lead-section h3{font-family:'DM Serif Display',serif;font-size:22px;margin-bottom:8px}
.lead-section p{font-size:14px;color:rgba(255,255,255,.7);margin-bottom:20px}
.lead-logo{height:40px;width:auto;margin-bottom:16px;filter:brightness(0) invert(1);opacity:.9}
.lead-form input{width:100%;padding:12px 16px;border:1px solid rgba(255,255,255,.2);border-radius:10px;background:rgba(255,255,255,.08);color:#fff;font-family:inherit;font-size:14px;margin-bottom:10px;outline:none}
.lead-form input::placeholder{color:rgba(255,255,255,.4)}
.lead-form input:focus{border-color:var(--accent)}
.lead-form .row{display:flex;gap:10px}
.lead-form .row input{flex:1}
.lead-submit{width:100%;padding:14px;border:none;border-radius:10px;background:var(--accent);color:var(--primary);font-family:inherit;font-size:15px;font-weight:700;cursor:pointer;margin-top:4px;transition:all .2s}
.lead-submit:hover{transform:translateY(-1px);box-shadow:0 4px 16px rgba(201,162,39,.3)}
.lead-success{display:none;padding:20px;text-align:center}
.lead-success.active{display:block}
.lead-success .check{font-size:40px;margin-bottom:8px}
.lead-success h4{font-size:18px;margin-bottom:4px}
.lead-success p{font-size:13px;color:rgba(255,255,255,.6)}

.map-section{background:linear-gradient(180deg,var(--bg-light) 0%,#0d1b2a 30%,#0d1b2a 70%,var(--bg-light) 100%);padding:60px 0;text-align:center}
.map-section h2{font-family:'DM Serif Display',serif;font-size:clamp(24px,4vw,32px);color:#fff;margin-bottom:8px}
.map-sub{font-size:15px;color:rgba(255,255,255,.6);margin-bottom:32px}
.map-wrap{max-width:700px;margin:0 auto}
.socal-map{width:100%;height:auto;border-radius:16px}
.map-badges{display:flex;justify-content:center;gap:32px;flex-wrap:wrap;margin-top:32px}
.map-badge{font-size:12px;color:rgba(255,255,255,.5)}
.map-badge strong{display:block;font-size:14px;color:var(--accent);margin-bottom:2px}

@keyframes pulseRing{0%{r:8;opacity:.4}100%{r:20;opacity:0}}
@keyframes pulseRing2{0%{r:14;opacity:.2}100%{r:28;opacity:0}}
@keyframes nodePulse{0%,100%{opacity:.6;r:5}50%{opacity:1;r:6}}
@keyframes nodeRing{0%{r:9;opacity:.3}100%{r:16;opacity:0}}
.pulse-ring{animation:pulseRing 2s ease-out infinite}
.pulse-ring2{animation:pulseRing2 2s ease-out infinite .5s}
.node-pulse{animation:nodePulse 2.5s ease-in-out infinite}
.node-ring{animation:nodeRing 2.5s ease-out infinite}

.services{padding:50px 0}
.services .container{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:24px}
.card{background:var(--white);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow);border-top:4px solid var(--secondary)}
.card.primary{border-top-color:var(--accent)}
.card h2{font-size:20px;color:var(--primary);margin-bottom:8px}
.card .eyebrow{font-size:12px;text-transform:uppercase;letter-spacing:1px;color:var(--accent);margin-bottom:4px;font-weight:600}
.card ul{list-style:none;margin-top:12px}
.card li{padding:6px 0 6px 20px;position:relative;color:var(--text-light);font-size:15px}
.card li::before{content:'';position:absolute;left:0;top:14px;width:8px;height:8px;border-radius:50%;background:var(--accent)}

.form-section{padding:50px 0;background:var(--white)}
.form-section .container{max-width:720px}
.form-section h2{font-size:24px;color:var(--primary);text-align:center;margin-bottom:6px}
.form-section .form-sub{text-align:center;color:var(--text-light);margin-bottom:24px;font-size:15px}
.toggle-group{display:flex;background:var(--bg-light);border-radius:var(--radius);margin-bottom:20px;overflow:hidden;border:1px solid #e2e8f0}
.toggle-group button{flex:1;padding:12px;font-size:14px;font-weight:600;border:none;cursor:pointer;background:transparent;color:var(--text-light);transition:all .2s}
.toggle-group button.active{background:var(--primary);color:var(--white)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-grid .wide{grid-column:1/-1}
.form-grid label{display:block;font-size:13px;font-weight:600;color:var(--text-dark);margin-bottom:4px}
.form-grid input,.form-grid select,.form-grid textarea{width:100%;padding:10px 12px;border:1px solid #d1d5db;border-radius:6px;font-size:15px;font-family:inherit;background:var(--white);color:var(--text-dark)}
.form-grid input:focus,.form-grid select:focus,.form-grid textarea:focus{outline:none;border-color:var(--secondary);box-shadow:0 0 0 3px rgba(0,85,164,.15)}
.form-grid textarea{resize:vertical}
.checkbox-label{display:flex;align-items:center;gap:8px;font-size:14px;cursor:pointer}
.checkbox-label input{width:18px;height:18px;accent-color:var(--primary)}
.form-submit-row{text-align:center;margin-top:24px}
.form-submit-row .btn{font-size:17px;padding:14px 40px}
.form-submit-row p{margin-top:10px;font-size:13px;color:var(--text-light)}

.trust{padding:50px 0;text-align:center}
.trust .container{max-width:700px}
.trust img{width:120px;height:120px;border-radius:50%;object-fit:cover;border:4px solid var(--accent);margin-bottom:16px}
.trust h2{font-size:22px;color:var(--primary);margin-bottom:6px}
.trust-title{color:var(--text-light);margin-top:4px}
.trust .credentials{font-size:14px;color:var(--text-light);margin-top:8px}
.trust .credentials strong{color:var(--text-dark)}

footer{background:var(--primary);color:rgba(255,255,255,.8);padding:30px 0;font-size:14px}
footer .container{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:12px}
footer a{color:var(--accent)}
footer .footer-links{display:flex;gap:16px;font-size:13px;flex-wrap:wrap}

.sticky-mobile{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--white);padding:8px 12px;box-shadow:0 -2px 10px rgba(0,0,0,.12);z-index:99;gap:8px}
.sticky-mobile .btn{flex:1;text-align:center;font-size:14px;padding:10px 8px}

@media(max-width:640px){
  .form-grid{grid-template-columns:1fr}
  .hero{padding:40px 0 35px}
  .services .container{grid-template-columns:1fr}
  .sticky-mobile{display:flex}
  body{padding-bottom:64px}
  footer{text-align:center}
  footer .container{flex-direction:column}
  .calc-card{margin:0 8px;padding:28px 20px}
  .value-amount{font-size:28px}
  .slider-value{font-size:24px}
  .lead-form .row{flex-direction:column;gap:0}
  .map-badges{gap:20px}
}

.legal-page{max-width:800px;margin:0 auto;padding:40px 20px 60px}
.legal-page h1{font-size:26px;color:var(--primary);margin-bottom:20px}
.legal-page h2{font-size:18px;color:var(--primary);margin:24px 0 10px}
.legal-page p,.legal-page li{color:var(--text-light);line-height:1.7;margin-bottom:10px}
.legal-page ul{margin-left:20px;margin-bottom:16px}