/* =========================================================
   MG Lending — Matt Genovese · New American Funding
   Shared stylesheet for all pages
   ========================================================= */

/* ============ TOKENS — MONOCHROME ============ */
:root{
  --bg:#FCFCFC;          /* page bg, just off pure white */
  --bg-2:#F4F4F4;        /* alt section */
  --bg-3:#EFEFEF;        /* card alt */
  --ink:#0A0A0A;         /* near black — headlines */
  --ink-2:#1A1A1A;       /* charcoal */
  --body:#3F3F3F;        /* mid-dark grey — body */
  --muted:#7A7A7A;       /* secondary */
  --dim:#B5B5B5;         /* very light */
  --line:#E5E5E5;        /* hairline */
  --line-2:#D0D0D0;      /* slightly stronger */
  --dark:#0A0A0A;        /* dark sections */
  --dark-2:#141414;
  --sans:'Inter','Helvetica Neue',Arial,sans-serif;
  --maxw:1240px;
}
*{box-sizing:border-box;margin:0;padding:0;}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%;}
body{background:var(--bg);color:var(--body);font-family:var(--sans);font-weight:400;line-height:1.6;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;overflow-x:hidden;
  font-feature-settings:"cv11","ss01";}
img{display:block;max-width:100%;}
a{color:inherit;text-decoration:none;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 32px;}
section{position:relative;}
.sec{padding:clamp(96px,12vh,150px) 0;}
body.subpage .sec{padding:clamp(90px,11vh,140px) 0;}

/* ============ TYPE ============ */
h1,h2,h3,h4{font-family:var(--sans);color:var(--ink);line-height:1.04;letter-spacing:-.025em;font-weight:600;}
h1{font-size:clamp(2.8rem,6vw,5.4rem);font-weight:600;letter-spacing:-.035em;line-height:1.02;}
h2{font-size:clamp(2.2rem,4vw,3.4rem);font-weight:600;letter-spacing:-.028em;}
h3{font-size:1.35rem;font-weight:600;line-height:1.2;}
h4{font-size:.78rem;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--ink);}
body.subpage h1{font-size:clamp(2.8rem,6vw,5rem);}
body.subpage h2{font-size:clamp(2.1rem,4vw,3.3rem);}
body.subpage h3{font-size:1.3rem;}
.eyebrow{display:inline-block;font-size:.72rem;letter-spacing:.22em;text-transform:uppercase;color:var(--muted);font-weight:500;}
.lead{font-size:clamp(1.05rem,1.25vw,1.18rem);color:var(--body);line-height:1.65;font-weight:400;}
.muted{color:var(--muted);}
em.accent{font-style:italic;font-weight:400;color:var(--muted);}
.kicker{font-weight:300;font-style:italic;color:var(--muted);}

/* reveal-on-scroll */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .9s cubic-bezier(.2,.7,.2,1),transform .9s cubic-bezier(.2,.7,.2,1);}
.reveal.in{opacity:1;transform:none;}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none;}}

/* ============ BUTTONS ============ */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;
  padding:1em 1.9em;font-family:var(--sans);font-size:.82rem;font-weight:600;letter-spacing:.04em;
  border-radius:999px;border:1px solid transparent;transition:background .3s,color .3s,border-color .3s,transform .3s;cursor:pointer;}
.btn-primary{background:var(--ink);color:#fff;}
.btn-primary:hover{background:#2a2a2a;}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--line-2);}
.btn-ghost:hover{border-color:var(--ink);background:rgba(10,10,10,.04);}
.btn-light{background:#fff;color:var(--ink);}
.btn-light:hover{background:#f0f0f0;}
.btn-outline-dark{background:transparent;color:#fff;border-color:rgba(255,255,255,.3);}
.btn-outline-dark:hover{border-color:#fff;background:rgba(255,255,255,.06);}
.tag{display:inline-flex;align-items:center;gap:.5em;padding:.55em 1.1em;border:1px solid var(--line-2);border-radius:999px;
  font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--body);font-weight:500;background:#fff;}

/* ============ NAV ============ */
nav{position:fixed;top:0;left:0;right:0;z-index:50;padding:20px clamp(20px,4vw,52px);display:flex;align-items:center;justify-content:space-between;
  transition:background .4s,backdrop-filter .4s,border-color .4s,padding .35s;border-bottom:1px solid transparent;}
nav.scrolled{background:rgba(252,252,252,.86);backdrop-filter:blur(14px);-webkit-backdrop-filter:blur(14px);border-bottom:1px solid var(--line);padding-top:14px;padding-bottom:14px;}
body.subpage nav{padding:16px clamp(20px,4vw,52px);}
body.subpage nav.scrolled{background:rgba(252,252,252,.9);padding-top:11px;padding-bottom:11px;}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;}
.navlinks{display:flex;align-items:center;gap:clamp(20px,2.4vw,38px);}
body.subpage .navlinks{gap:clamp(16px,2vw,30px);}
.navlinks a.nlink{font-size:.84rem;font-weight:500;color:var(--ink);transition:color .3s;}
.navlinks a.nlink:hover,.navlinks a.nlink.active{color:var(--muted);}
.nav-phone{display:flex;align-items:center;gap:8px;font-size:.84rem;font-weight:500;color:var(--ink);}
.navlinks .btn{padding:.72em 1.4em;}
body.subpage .navlinks .btn{padding:.7em 1.35em;}


/* ============ LOGO LOCKUPS ============ */
.combo-lockup{height:66px;width:auto;display:block;}
.foot-lockup{height:84px;width:auto;display:block;margin-bottom:24px;}
@media(max-width:640px){.combo-lockup{height:50px;}}
@media(max-width:560px){.navlinks .btn{display:none;}}
@media(max-width:380px){.combo-lockup{height:44px;}}

/* ============ HOME HERO ============ */
.hero{padding:170px 0 clamp(80px,10vh,120px);position:relative;overflow:hidden;}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:clamp(40px,6vw,90px);align-items:center;}
.hero .tags{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:36px;}
.hero h1{margin-bottom:32px;}
.hero h1 em{font-style:italic;font-weight:300;color:var(--muted);}
.hero .sub{font-size:clamp(1.08rem,1.4vw,1.22rem);color:var(--body);max-width:32em;line-height:1.7;margin-bottom:44px;}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-bottom:60px;}
.hero-trust{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;padding-top:32px;border-top:1px solid var(--line);}
.t-item .num{font-size:2rem;font-weight:700;color:var(--ink);line-height:1;letter-spacing:-.02em;}
.t-item .num small{font-size:.85rem;font-weight:500;color:var(--muted);margin-left:6px;letter-spacing:0;}
.t-item .lbl{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-top:8px;font-weight:500;}
.t-item .lbl strong{color:var(--ink);}
.stars{color:var(--ink);letter-spacing:-.02em;font-size:1.05rem;font-weight:500;}

/* hero portrait card */
.portrait{position:relative;aspect-ratio:4/5;background:var(--bg-3);overflow:hidden;border-radius:4px;}
.portrait img{width:100%;height:100%;object-fit:cover;}
.portrait-meta{position:absolute;left:0;right:0;bottom:0;padding:26px 28px;background:linear-gradient(to top,rgba(0,0,0,.7),transparent);color:#fff;}
.portrait-meta .name{font-size:1.35rem;font-weight:600;letter-spacing:-.018em;}
.portrait-meta .role{font-size:.72rem;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.75);margin-top:6px;font-weight:500;}

/* ============ PROOF BAR ============ */
.proof-bar{background:var(--ink);color:#fff;padding:30px 0;}
.proof-row{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;align-items:center;}
.proof-item{display:flex;align-items:center;gap:14px;font-size:.92rem;}
.proof-item strong{font-weight:600;display:block;color:#fff;font-size:1rem;letter-spacing:-.01em;}
.proof-item .sub{color:rgba(255,255,255,.6);font-size:.78rem;letter-spacing:.02em;}
.proof-item .dot{width:6px;height:6px;border-radius:50%;background:#fff;flex-shrink:0;}

/* ============ WHY ============ */
.why-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(40px,6vw,100px);align-items:start;}
.why .eyebrow{margin-bottom:24px;}
.why h2{margin-bottom:28px;max-width:11em;}
.why .lead{max-width:24em;}
.why-pillars{display:grid;gap:0;}
.pillar{display:grid;grid-template-columns:60px 1fr;gap:24px;padding:28px 0;border-top:1px solid var(--line);}
.pillar:first-child{border-top:none;padding-top:0;}
.pillar:last-child{padding-bottom:0;}
.pillar .num{font-size:1rem;font-weight:600;color:var(--muted);letter-spacing:.04em;}
.pillar h3{margin-bottom:12px;}
.pillar p{color:var(--body);font-size:1rem;line-height:1.65;}

/* ============ PROGRAMS ============ */
.programs{background:var(--bg-2);}
.head-block{margin-bottom:clamp(50px,7vh,80px);}
.head-block .eyebrow{margin-bottom:18px;}
.head-block h2{max-width:14em;margin-bottom:20px;}
.head-block .lead{max-width:34em;}
body.subpage .head-block{margin-bottom:clamp(46px,6vh,72px);max-width:40em;}
body.subpage .head-block h2{margin-bottom:18px;max-width:16em;}
.program-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--line);border-left:1px solid var(--line);}
.program{background:transparent;padding:42px 38px;display:flex;flex-direction:column;min-height:280px;
  border-right:1px solid var(--line);border-bottom:1px solid var(--line);transition:background .35s;position:relative;}
.program:hover{background:var(--bg);}
.program .pbadge{font-size:.66rem;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--muted);margin-bottom:22px;}
.program .pname{font-size:1.6rem;font-weight:600;letter-spacing:-.022em;color:var(--ink);margin-bottom:14px;}
.program .pdesc{font-size:.97rem;color:var(--body);line-height:1.6;margin-bottom:auto;padding-bottom:28px;}
.program .plearn{font-size:.78rem;font-weight:600;letter-spacing:.04em;color:var(--ink);display:inline-flex;align-items:center;gap:8px;transition:gap .3s;}
.program:hover .plearn{gap:14px;}

/* ============ PROCESS ============ */
.process{background:var(--dark);color:#fff;}
.process h2,.process h3{color:#fff;}
.process .eyebrow{color:rgba(255,255,255,.55);}
.process .lead{color:rgba(255,255,255,.72);}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid rgba(255,255,255,.12);margin-top:clamp(50px,7vh,80px);}
.step{padding:46px 32px;border-right:1px solid rgba(255,255,255,.12);position:relative;}
.step:last-child{border-right:none;}
.step .snum{font-size:.78rem;font-weight:600;letter-spacing:.18em;color:rgba(255,255,255,.45);margin-bottom:32px;}
.step h3{font-size:1.45rem;margin-bottom:16px;color:#fff;}
.step p{color:rgba(255,255,255,.7);font-size:.95rem;line-height:1.65;}

/* ============ TESTIMONIALS ============ */
.testi h2{max-width:14em;margin-bottom:22px;}
.testi .head-block{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:end;}
.testi-meta{font-size:.95rem;color:var(--body);}
.testi-meta .rating{font-size:2.5rem;font-weight:700;color:var(--ink);letter-spacing:-.025em;line-height:1;display:block;margin-bottom:4px;}
.testi-meta .rating small{font-size:1rem;color:var(--muted);font-weight:500;letter-spacing:0;}
.testi-meta .stars{color:var(--ink);font-size:1.1rem;letter-spacing:.04em;}
.testi-meta .src{margin-top:14px;}
.testi-meta a{color:var(--ink);border-bottom:1px solid var(--ink);padding-bottom:1px;font-weight:500;font-size:.85rem;}
.testi-meta a:hover{color:var(--muted);border-color:var(--muted);}
.t-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
.tcard{background:#fff;border:1px solid var(--line);padding:38px 34px;display:flex;flex-direction:column;border-radius:4px;}
.tcard .qstars{color:var(--ink);font-size:.95rem;margin-bottom:18px;letter-spacing:.06em;}
.tcard .qtext{font-size:1.02rem;line-height:1.6;color:var(--ink);margin-bottom:28px;font-weight:400;}
.tcard .qmeta{display:flex;align-items:center;gap:14px;margin-top:auto;padding-top:24px;border-top:1px solid var(--line);}
.tcard .qavatar{width:42px;height:42px;border-radius:50%;background:var(--ink);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:600;font-size:1rem;}
.tcard .qname{font-size:.95rem;font-weight:600;color:var(--ink);letter-spacing:-.01em;}
.tcard .qloc{font-size:.78rem;color:var(--muted);margin-top:2px;}

/* ============ SPECIAL PROGRAMS ============ */
.special-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.special-card{padding:54px 48px;display:flex;flex-direction:column;min-height:380px;border-radius:4px;}
.spc-1{background:var(--ink);color:#fff;}
.spc-2{background:#fff;color:var(--ink);border:1px solid var(--line-2);}
.special-card .sp-label{font-size:.72rem;font-weight:600;letter-spacing:.2em;text-transform:uppercase;margin-bottom:28px;opacity:.7;}
.special-card h3{font-size:2rem;line-height:1.12;font-weight:600;letter-spacing:-.025em;margin-bottom:20px;}
.special-card h3 em{font-style:normal;font-weight:300;opacity:.65;}
.spc-1 h3{color:#fff;}
.spc-2 h3{color:var(--ink);}
.special-card p{font-size:1rem;line-height:1.65;margin-bottom:auto;opacity:.85;}
.special-card .sp-go{margin-top:34px;font-size:.78rem;letter-spacing:.04em;font-weight:600;display:inline-flex;align-items:center;gap:8px;border-bottom:1px solid currentColor;padding-bottom:4px;width:fit-content;}

/* ============ ABOUT ============ */
.about{background:var(--bg-2);}
.about-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:clamp(40px,6vw,90px);align-items:center;}
.about-card{aspect-ratio:4/5;background:#111;overflow:hidden;position:relative;border-radius:4px;}
.about-card img{width:100%;height:100%;object-fit:cover;}
.about h2{margin:18px 0 28px;max-width:14em;}
.about .lead{margin-bottom:36px;}
.about-stats{display:grid;grid-template-columns:repeat(2,1fr);gap:32px;margin:36px 0;padding:32px 0;border-top:1px solid var(--line-2);border-bottom:1px solid var(--line-2);}
.about-stats .num{font-size:2.4rem;font-weight:700;color:var(--ink);line-height:1;letter-spacing:-.025em;}
.about-stats .num small{font-size:1rem;color:var(--muted);}
.about-stats .lbl{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-top:8px;font-weight:500;}

/* ============ SUBPAGE HERO ============ */
.page-hero{position:relative;min-height:74vh;display:flex;align-items:center;color:#fff;background-color:#111;background-position:center;background-size:cover;background-repeat:no-repeat;}
.page-hero h1{color:#fff;max-width:14em;margin-bottom:24px;}
.page-hero h1 em{font-style:italic;font-weight:300;color:rgba(255,255,255,.72);}
.page-hero .sub{font-size:clamp(1.08rem,1.4vw,1.22rem);color:rgba(255,255,255,.82);max-width:34em;line-height:1.7;margin-bottom:40px;}
.page-hero .ctas{display:flex;gap:12px;flex-wrap:wrap;}
.page-hero-inner{padding-top:120px;padding-bottom:60px;}
.crumb{display:inline-block;font-size:.7rem;letter-spacing:.2em;text-transform:uppercase;color:rgba(255,255,255,.6);font-weight:500;margin-bottom:26px;}
.crumb a:hover{color:#fff;}
.hero-buy{background-image:linear-gradient(rgba(10,10,10,.55),rgba(10,10,10,.78)),url('../images/santa-barbara-home.jpg');}
.hero-refi{background-image:linear-gradient(rgba(10,10,10,.55),rgba(10,10,10,.78)),url('../images/refinance-hero.jpg');}
.hero-reno{background-image:linear-gradient(rgba(10,10,10,.55),rgba(10,10,10,.78)),url('../images/renovation-hero.jpg');}
.hero-vet{background-image:linear-gradient(rgba(10,10,10,.55),rgba(10,10,10,.78)),url('../images/veteran-hero.jpg');}
.hero-edu{background-image:linear-gradient(rgba(10,10,10,.55),rgba(10,10,10,.78)),url('../images/home-interior.jpg');}

/* ============ SUBPAGE BLOCKS ============ */
.bgrid{display:grid;grid-template-columns:repeat(2,1fr);gap:0;border-top:1px solid var(--line);border-left:1px solid var(--line);}
.benefit{padding:40px 42px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);}
.benefit .bn{font-size:.9rem;font-weight:600;color:var(--muted);letter-spacing:.04em;margin-bottom:18px;}
.benefit h3{margin-bottom:12px;}
.benefit p{color:var(--body);font-size:1rem;line-height:1.65;}
.alt{background:var(--bg-2);}
.split-grid{display:grid;grid-template-columns:1fr 1fr;gap:clamp(40px,6vw,90px);align-items:center;}
.split-card{aspect-ratio:4/5;background:#111;overflow:hidden;border-radius:4px;}
.split-card img{width:100%;height:100%;object-fit:cover;}
.split h2{margin:14px 0 24px;max-width:13em;}
.split .lead{margin-bottom:30px;}
.steps-mini{list-style:none;}
.steps-mini li{display:grid;grid-template-columns:42px 1fr;gap:18px;padding:20px 0;border-top:1px solid var(--line-2);}
.steps-mini li:last-child{border-bottom:1px solid var(--line-2);}
.steps-mini .sn{font-size:.95rem;font-weight:600;color:var(--muted);}
.steps-mini strong{color:var(--ink);font-weight:600;display:block;margin-bottom:4px;}
.steps-mini span{font-size:.95rem;color:var(--body);}
.ratings{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;}
.rate{border:1px solid var(--line);border-radius:4px;padding:34px 32px;background:#fff;}
.rate .rk{font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-bottom:12px;}
.rate .stars{color:var(--ink);font-size:1.05rem;letter-spacing:.1em;}
.note{font-size:.85rem;color:var(--muted);margin-top:28px;max-width:40em;}

/* education modules */
.mod-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:1px solid var(--line);border-left:1px solid var(--line);}
.mod{padding:32px 30px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);transition:background .3s;display:block;}
.mod:hover{background:var(--bg-3);}
.mod .mk{font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-weight:600;margin-bottom:14px;}
.mod h3{font-size:1.12rem;margin-bottom:14px;}
.mod .go{font-size:.78rem;font-weight:600;color:var(--ink);display:inline-flex;gap:8px;transition:gap .3s;}
.mod:hover .go{gap:14px;}

/* FAQ */
.faq{max-width:840px;}
.faq details{border-top:1px solid var(--line);}
.faq details:last-of-type{border-bottom:1px solid var(--line);}
.faq summary{list-style:none;cursor:pointer;padding:26px 0;font-size:1.15rem;font-weight:600;color:var(--ink);display:flex;justify-content:space-between;gap:20px;align-items:center;}
.faq summary::-webkit-details-marker{display:none;}
.faq summary::after{content:"+";font-weight:400;font-size:1.6rem;color:var(--muted);transition:.3s;line-height:1;}
.faq details[open] summary::after{transform:rotate(45deg);}
.faq p{padding:0 0 28px;color:var(--body);font-size:1rem;line-height:1.7;max-width:64ch;}

/* Keep Learning (dark) */
.edu{background:var(--dark);color:#fff;}
.edu .eyebrow{color:rgba(255,255,255,.55);}
.edu h2{color:#fff;max-width:13em;margin:14px 0 18px;}
.edu .lead{color:rgba(255,255,255,.72);max-width:34em;margin-bottom:38px;}
.edu-links{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;}
.edu-card{border:1px solid rgba(255,255,255,.16);border-radius:4px;padding:28px 26px;transition:background .3s,border-color .3s;}
.edu-card:hover{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.4);}
.edu-card .ec-k{font-size:.68rem;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.5);font-weight:600;margin-bottom:14px;}
.edu-card h3{color:#fff;font-size:1.15rem;margin-bottom:10px;}
.edu-card .go{font-size:.78rem;font-weight:600;color:#fff;display:inline-flex;gap:8px;transition:gap .3s;}
.edu-card:hover .go{gap:14px;}

/* ============ FINAL CTA ============ */
.final-cta{background:var(--dark);color:#fff;text-align:center;padding:clamp(110px,15vh,170px) 0;}
.final-cta.photo{background:linear-gradient(rgba(10,10,10,.84),rgba(10,10,10,.92)),url('../images/santa-barbara-home.jpg') center/cover no-repeat,var(--dark);padding:clamp(120px,16vh,180px) 0;}
.final-cta .eyebrow{color:rgba(255,255,255,.55);display:block;margin-bottom:22px;}
.final-cta.photo .eyebrow{margin-bottom:24px;}
.final-cta h2{color:#fff;font-size:clamp(2.3rem,5vw,4rem);max-width:14em;margin:0 auto 26px;font-weight:600;letter-spacing:-.03em;}
.final-cta.photo h2{font-size:clamp(2.4rem,5vw,4.2rem);margin-bottom:28px;}
.final-cta h2 em{font-style:italic;font-weight:300;opacity:.65;}
.final-cta .sub{color:rgba(255,255,255,.72);max-width:32em;margin:0 auto 44px;font-size:1.1rem;}
.final-cta.photo .sub{margin-bottom:48px;}
.final-cta .ctas{display:flex;gap:14px;justify-content:center;flex-wrap:wrap;}

/* ============ FOOTER ============ */
footer{background:var(--ink);color:rgba(255,255,255,.55);padding:80px 0 40px;font-size:.9rem;}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:50px;margin-bottom:60px;}
.foot-brand p{color:rgba(255,255,255,.55);line-height:1.7;max-width:22em;font-size:.88rem;}
.foot-col h4{color:rgba(255,255,255,.95);font-size:.72rem;letter-spacing:.2em;text-transform:uppercase;font-weight:600;margin-bottom:22px;}
.foot-col ul{list-style:none;display:flex;flex-direction:column;gap:13px;}
.foot-col a{color:rgba(255,255,255,.55);transition:color .3s;font-size:.92rem;}
.foot-col a:hover{color:#fff;}
.contact-list{list-style:none;display:flex;flex-direction:column;gap:14px;margin-bottom:24px;}
.contact-list li a{display:inline-flex;align-items:center;gap:12px;color:rgba(255,255,255,.7);transition:color .3s;}
.contact-list li a:hover{color:#fff;}
.contact-list svg{width:16px;height:16px;flex-shrink:0;opacity:.6;transition:opacity .3s;}
.contact-list li a:hover svg{opacity:1;}
.contact-social{display:flex;gap:10px;}
.contact-social a{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border:1px solid rgba(255,255,255,.18);border-radius:50%;color:rgba(255,255,255,.6);transition:all .3s;}
.contact-social a:hover{background:#fff;border-color:#fff;color:var(--ink);}
.contact-social svg{width:15px;height:15px;}
.legal{padding-top:36px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;align-items:flex-start;gap:40px;flex-wrap:wrap;}
.legal .compliance{font-size:.78rem;line-height:1.7;color:rgba(255,255,255,.42);max-width:64%;}
.legal .compliance strong{color:rgba(255,255,255,.7);font-weight:500;}
.legal .ehl{display:flex;align-items:center;gap:12px;flex-shrink:0;}
.legal .ehl-mark{width:42px;height:42px;border:1.5px solid rgba(255,255,255,.35);border-radius:4px;display:flex;align-items:center;justify-content:center;color:rgba(255,255,255,.7);}
.legal .ehl-mark svg{width:22px;height:22px;}
.legal .ehl-text{font-size:.7rem;letter-spacing:.18em;text-transform:uppercase;color:rgba(255,255,255,.5);font-weight:500;line-height:1.4;}

/* ============ HAMBURGER + MOBILE MENU ============ */
.nav-toggle{display:none;background:none;border:0;cursor:pointer;width:42px;height:42px;align-items:center;justify-content:center;margin-left:6px;}
.nav-toggle span,.nav-toggle span::before,.nav-toggle span::after{display:block;width:24px;height:2px;background:var(--ink);transition:.3s;content:"";position:relative;}
.nav-toggle span::before{position:absolute;top:-7px;}
.nav-toggle span::after{position:absolute;top:7px;}
.mobile-menu{position:fixed;top:0;right:0;bottom:0;width:min(84vw,360px);background:#0A0A0A;color:#fff;transform:translateX(100%);transition:transform .35s cubic-bezier(.2,.7,.2,1);z-index:70;padding:96px 32px 40px;display:flex;flex-direction:column;}
.mobile-menu.open{transform:none;}
.mobile-menu a{color:#fff;font-size:1.12rem;font-weight:500;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.1);}
.mobile-menu .mm-apply{margin-top:24px;border:0;background:#fff;color:#0A0A0A;border-radius:999px;text-align:center;padding:15px;font-size:.9rem;font-weight:600;letter-spacing:.04em;}
.menu-close{position:absolute;top:26px;right:26px;background:none;border:0;color:#fff;font-size:2rem;line-height:1;cursor:pointer;}
.mobile-backdrop{position:fixed;inset:0;background:rgba(0,0,0,.5);opacity:0;visibility:hidden;transition:.3s;z-index:65;}
.mobile-backdrop.open{opacity:1;visibility:visible;}

/* ============ RESPONSIVE ============ */
@media(max-width:960px){
  .hero-grid,.why-grid,.about-grid,.special-grid,.testi .head-block{grid-template-columns:1fr;gap:50px;}
  .split-grid{grid-template-columns:1fr;gap:44px;}
  .program-grid,.t-grid,.edu-links,.ratings,.mod-grid{grid-template-columns:1fr 1fr;}
  .proof-row{grid-template-columns:1fr;gap:18px;}
  .steps{grid-template-columns:1fr 1fr;}
  .step{border-bottom:1px solid rgba(255,255,255,.12);}
  .step:nth-child(2){border-right:none;}
  .step:nth-last-child(-n+2){border-bottom:none;}
  .foot-grid{grid-template-columns:1fr 1fr;}
  .navlinks .nlink{display:none;}
  .nav-toggle{display:flex;}
}
@media(max-width:640px){
  .program-grid,.t-grid,.steps,.foot-grid,.hero-trust,.bgrid,.mod-grid,.ratings,.edu-links{grid-template-columns:1fr;}
  .wrap{padding:0 22px;}
  .hero{padding-top:140px;}
  .hero-trust{gap:18px;}
  .legal{flex-direction:column;}
  .legal .compliance{max-width:100%;}
  nav,body.subpage nav{padding:14px 22px;}
  .foot-lockup{height:66px;}
  .program{padding:34px 28px;min-height:auto;}
  .step{padding:34px 26px;}
  .special-card{padding:40px 32px;}
  .benefit{padding:32px 28px;}
}

/* ============ REVIEWS (home) ============ */
.tcard .qhead{display:flex;justify-content:space-between;align-items:center;margin-bottom:18px;}
.tcard .qhead .qstars{margin-bottom:0;}
.tcard .qsrc{font-size:.64rem;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);font-weight:600;}
.reviews-more{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:clamp(40px,6vh,64px);}
.foot-lockup{height:64px;filter:invert(1);}