/* Member home benefit — version 3
   An exact build of the "A personal path to homeownership" mockup.
   1rem = 1 pixel of the 837px-wide mockup, so the page scales with the
   window and keeps the mockup's proportions at any desktop width. */

:root {
  --navy: #13253d;
  --navy-band: #142740;
  --hero-bg: #f1f0ee;
  --soft: #f5f3f0;
  --white: #ffffff;
  --ink: #13253d;
  --text: #2e3542;
  --muted: #565d69;
  --orange: #fb5a0c;
  --gold: #bc993a;
  --gold-deep: #a8842f;
  --gold-bright: #c9a24b;
  --gold-text: #8a6a22;
  --serif: "Cormorant Garamond", Georgia, serif;
  --line: #e4e4e4;
  --field: #d5d8dc;
  --sans: "Public Sans", "Helvetica Neue", Arial, sans-serif;
  --display: "Cormorant Garamond", Georgia, serif;
}

html { font-size: clamp(1px, calc(100vw / 837), 1.75px); scroll-behavior: smooth; scroll-padding-top: 60rem; }
* { box-sizing: border-box; }
body { margin: 0; font-family: var(--sans); font-size: max(11rem, 16px); line-height: 1.5; color: var(--text); background: var(--white); -webkit-font-smoothing: antialiased; }
a { color: var(--ink); }
button, input, textarea { font: inherit; }
:focus-visible { outline: 2rem solid var(--orange); outline-offset: 2rem; }
img { display: block; max-width: 100%; object-fit: cover; }
h1, h2, h3, p { margin: 0; }
h1, h2, h3, blockquote { font-variant-numeric: lining-nums; }
h1, h2, h3 { color: var(--ink); font-family: var(--display); font-weight: 500; }
h2 { font-size: 32rem; line-height: 36rem; letter-spacing: -0.01em; }

.wrap { width: 747rem; margin: 0 auto; }
.eyebrow { display: block; font-size: max(9.6rem, 13px); line-height: max(10rem, 16px); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink); }
.btn { display: inline-flex; align-items: center; justify-content: center; border: 0; border-radius: 3rem; background: var(--navy); color: var(--white); font-weight: 600; text-decoration: none; cursor: pointer; }
.btn:hover { background: #22395a; }
.arrow { font-size: max(10.5rem, 16px); font-weight: 600; color: var(--ink); text-decoration: underline; text-decoration-thickness: 1rem; text-underline-offset: 2.5rem; white-space: nowrap; }
.arrow::after { content: "\00a0→"; }
.fine { font-size: max(8rem, 13px); line-height: max(13rem, 18px); color: var(--muted); }

/* Header */
.site-header { position: sticky; top: 0; z-index: 30; background: var(--white); }
.header-inner { height: 53rem; display: flex; align-items: center; justify-content: space-between; width: 761rem; }
.brand { display: flex; align-items: center; text-decoration: none; }
.logo-box { display: grid; place-items: center; width: 133rem; height: 28rem; border: 1rem solid #cfd2d6; border-radius: 2rem; font-size: max(8.6rem, 13px); color: #5d6168; }
.logo { height: 28rem; width: auto; }
.program { white-space: nowrap; margin-left: 16rem; padding-left: 17rem; border-left: 1rem solid #e2e2e2; height: 28rem; display: flex; align-items: center; font-size: max(12rem, 16px); font-weight: 500; color: var(--ink); padding-top: 2rem; }
.nav { display: flex; align-items: center; gap: 24rem; }
.nav a { font-size: max(8.6rem, 13px); font-weight: 500; color: var(--ink); text-decoration: none; white-space: nowrap; }
.nav a:not(.btn):hover { text-decoration: underline; text-decoration-color: var(--orange); }
.nav .btn { min-width: 104rem; min-height: max(29rem, 36px); padding: 0 12rem; font-size: max(9.5rem, 15px); font-weight: 600; color: var(--white); }
.menu-toggle { display: none; }

/* Hero */
.hero { position: relative; padding-bottom: 40rem; background: #f6f4f0; overflow: hidden; }
.hero-copy { position: relative; z-index: 1; max-width: 380rem; padding-top: 40rem; }
.hero .eyebrow { font-size: max(8.2rem, 13px); letter-spacing: 0.16em; font-weight: 600; color: var(--gold-text); }
.hero h1 { margin-top: 14rem; font-family: var(--serif); font-size: 37rem; line-height: 39rem; font-weight: 500; letter-spacing: -0.01em; color: var(--ink); }
.hero h1 em { font-style: italic; color: var(--gold-deep); }
.hero .lede { max-width: 330rem; margin-top: 12rem; font-size: max(12.2rem, 16px); line-height: max(19rem, 22px); color: var(--text); }
.hero-actions { display: flex; align-items: center; gap: 24rem; margin-top: 18rem; }
.hero-actions .btn { min-width: 150rem; min-height: max(34rem, 44px); padding: 0 16rem; font-size: max(10.6rem, 16px); font-weight: 600; }
.hero-link { font-size: max(10.6rem, 16px); font-weight: 600; color: var(--ink); text-decoration: none; }
.hero-link::after { content: "\00a0\00a0→"; }
.hero-link:hover { text-decoration: underline; text-underline-offset: 3rem; }
.hero-photo { position: absolute; top: 0; right: 0; width: 470rem; height: 100%; }
.hero-photo::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, #f6f4f0 0%, rgba(246,244,240,.6) 18%, rgba(246,244,240,0) 42%); }
.hero-photo img { width: 100%; height: 100%; }

/* Referral line */
.referral .wrap { display: flex; align-items: center; gap: 16rem; padding: 18rem 0; }
.referral .wrap::before, .referral .wrap::after { content: ""; flex: 1; height: 1rem; background: #dcd8d0; }
.referral p { font-family: var(--serif); font-size: 13.5rem; font-weight: 500; line-height: 18rem; color: var(--ink); text-align: center; }

/* Benefit + calculator */
.benefit { padding: 30rem 0 38rem; }
.benefit .wrap { display: flex; justify-content: space-between; align-items: center; }
.benefit-copy { max-width: 320rem; }
.benefit-copy::before, .calculator::before { content: ""; display: block; width: 22rem; height: 2rem; margin-bottom: 14rem; background: var(--gold-bright); }
.benefit .eyebrow { font-size: max(8.2rem, 13px); letter-spacing: 0.16em; color: var(--gold-text); }
.benefit h2 { margin-top: 12rem; font-family: var(--serif); font-size: 36rem; line-height: 38rem; font-weight: 500; letter-spacing: -0.01em; color: var(--ink); }
.benefit .lede { margin-top: 14rem; font-size: max(12.2rem, 16px); line-height: max(19rem, 22px); color: var(--muted); }
.calculator { width: 352rem; padding: 14rem 16rem 12rem; border: 1rem solid #e3e0da; border-radius: 4rem; background: var(--white); box-shadow: 0 6rem 20rem rgba(19,37,61,.06); }
.calculator::before { margin-bottom: 10rem; }
.calculator h3 { font-family: var(--serif); font-size: 21rem; line-height: 25rem; font-weight: 500; }
.price-row { display: flex; justify-content: space-between; align-items: center; margin-top: 12rem; font-size: max(10rem, 16px); color: var(--ink); }
.price-row label { font-weight: 500; }
.price-field { display: flex; align-items: center; justify-content: flex-end; gap: 6rem; width: 120rem; padding-bottom: 2rem; border-bottom: 1.5rem dashed #cdbf9c; cursor: text; font-size: 15rem; font-weight: 600; color: var(--ink); transition: border-color .2s; }
.price-field:hover { border-bottom-color: var(--gold-bright); }
.price-field:focus-within { border-bottom-color: var(--gold-bright); border-bottom-style: solid; }
.pencil { flex: none; width: max(12rem, 16px); height: max(12rem, 16px); fill: none; stroke: var(--gold-deep); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.price-hint { margin-top: 4rem; font-size: max(8rem, 13px); color: var(--muted); }
.price-field input { width: 100%; min-width: 0; border: 0; padding: 0; background: none; font: inherit; color: inherit; text-align: right; font-variant-numeric: tabular-nums; outline: none; }
.slider { -webkit-appearance: none; appearance: none; display: block; width: 100%; height: 4rem; margin: 18rem 0 0; border-radius: 3rem; cursor: grab; background: linear-gradient(90deg, var(--gold-bright) var(--fill, 50%), #e6e3dd var(--fill, 50%)); }
.slider:active { cursor: grabbing; }
.slider::-webkit-slider-thumb { -webkit-appearance: none; width: max(20rem, 28px); height: max(20rem, 28px); border-radius: 50%; background: var(--white) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M10 8v8M14 8v8' stroke='%23c9a24b' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") center / 70% no-repeat; border: 2rem solid var(--gold-bright); box-shadow: 0 2rem 6rem rgba(19,37,61,.2); transition: transform .15s; }
.slider:hover::-webkit-slider-thumb { transform: scale(1.1); }
.slider::-moz-range-thumb { width: max(18rem, 26px); height: max(18rem, 26px); border-radius: 50%; background: var(--white) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M10 8v8M14 8v8' stroke='%23c9a24b' stroke-width='2' stroke-linecap='round'/%3E%3C/svg%3E") center / 70% no-repeat; border: 2rem solid var(--gold-bright); }
.ticks { display: flex; justify-content: space-between; margin-top: 9rem; font-size: max(7.8rem, 13px); color: var(--muted); }
.result { margin-top: 14rem; padding: 11rem 14rem 10rem; background: var(--navy); border-radius: 3rem; color: var(--white); }
.result span { display: block; font-size: max(9.4rem, 15px); line-height: max(12rem, 21px); color: var(--white); }
.result strong { display: block; margin-top: 2rem; font-family: var(--serif); font-size: 36rem; line-height: 40rem; font-weight: 500; color: var(--gold-bright); font-variant-numeric: lining-nums tabular-nums; }
.sr-only { position: absolute; width: 1px; height: 1px; margin: -1px; padding: 0; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.calculator .fine { margin-top: 9rem; font-size: max(7.4rem, 13px); line-height: max(11rem, 18px); color: var(--muted); }

/* Who it's for */
.audience { padding: 36rem 0 40rem; border-top: 1rem solid #ebe8e2; }
.audience .wrap::before { content: ""; display: block; width: 26rem; height: 2rem; margin-bottom: 14rem; background: var(--gold-bright); }
.audience .eyebrow { font-size: max(8.2rem, 13px); letter-spacing: 0.16em; font-weight: 600; color: var(--gold-text); }
.audience h2 { margin-top: 12rem; font-size: 34rem; line-height: 38rem; }
.audience h2 em { font-style: italic; color: var(--gold-deep); }
.audience-list { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); margin: 22rem 0 0; padding: 22rem 0 0; border-top: 1rem solid #dcd8d0; }
.audience-list li { padding: 0 16rem; border-left: 1rem solid #e6e2db; }
.audience-list li:first-child { padding-left: 0; border-left: 0; }
.audience-list svg { width: 22rem; height: 22rem; fill: none; stroke: var(--gold-bright); stroke-width: 1.5; stroke-linecap: round; stroke-linejoin: round; }
.audience-list h3 { margin-top: 14rem; font-size: 18.5rem; line-height: 23rem; white-space: nowrap; }
.audience-list p { margin-top: 8rem; font-size: max(10.8rem, 16px); line-height: max(17rem, 22px); color: var(--muted); }

/* How it works */
.how { background: var(--soft); padding: 25rem 0 26rem; }
.how h2 { margin-top: 6rem; font-size: 34rem; line-height: 38rem; }
.steps { list-style: none; margin: 14rem 0 0; padding: 0; display: grid; grid-template-columns: 275rem 251rem 1fr; }
.step-num { display: grid; place-items: center; width: 34rem; height: 34rem; border-radius: 50%; background: var(--orange); color: var(--white); font-size: max(10rem, 16px); font-weight: 600; }
.steps h3 { margin-top: 11rem; font-size: 20rem; line-height: 23rem; }
.steps p { margin-top: 5rem; font-size: max(12.7rem, 16px); line-height: max(18.5rem, 22px); color: var(--text); }
.how-example { margin-top: 22rem; padding: 9rem 0 9rem 14rem; border-left: 3rem solid var(--orange); background: var(--white); font-size: max(11rem, 16px); line-height: max(16rem, 22px); color: var(--text); }
.how-example b { font-weight: 600; color: var(--ink); }

/* Why buy with FirstTeam */
.why { padding: 20rem 0 20rem; }
.why .wrap::before { content: ""; display: block; width: 26rem; height: 2rem; margin-bottom: 10rem; background: var(--gold-bright); }
.why .eyebrow { font-size: max(8.2rem, 13px); letter-spacing: 0.16em; color: var(--gold-text); }
.why h2 { margin-top: 8rem; font-size: 34rem; line-height: 38rem; }
.why h2 em { font-style: italic; color: var(--gold-deep); }
.why-intro { max-width: 640rem; margin-top: 8rem; font-size: max(12.4rem, 16px); line-height: max(19rem, 24px); color: var(--muted); }
.why-list { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 10rem; margin: 16rem 0 0; padding: 0; }
.why-list li { display: grid; grid-template-columns: 24rem 1fr; column-gap: 10rem; align-content: start; padding: 15rem 18rem 16rem; border-radius: 4rem; background: #f6f4f0; }
.why-list svg { width: 22rem; height: 22rem; margin-top: 0; fill: none; stroke: var(--gold-bright); stroke-width: 1.4; stroke-linecap: round; stroke-linejoin: round; }
.why-list h3 { align-self: center; font-size: 19rem; line-height: 22rem; }
.why-list h3 br { display: none; }
.why-list p { grid-column: 1 / -1; margin-top: 8rem; font-size: max(10.8rem, 16px); line-height: max(17rem, 24px); color: var(--muted); }
.why-cta { min-width: 150rem; min-height: max(34rem, 44px); margin-top: 14rem; padding: 0 18rem; font-size: max(10.6rem, 16px); }
.why-cta::after { content: "\00a0\00a0→"; }

/* Member stories */
.stories { background: var(--navy-band); padding-bottom: 28rem; }
.stories .wrap { padding-top: 28rem; }
.stories-bar { display: flex; align-items: center; justify-content: space-between; gap: 24rem; margin-top: 6rem; }
.stories .eyebrow, .stories h2, .stories .arrow { color: var(--white); }
.stories h2 { margin-top: 5rem; font-size: 32rem; line-height: 36rem; }
.stories-sub { font-size: max(11.6rem, 16px); line-height: max(17rem, 22px); color: #e6eaf0; flex: 1; min-width: 0; }
.stories .arrow { font-size: max(11rem, 16px); }
.stories :focus-visible { outline-color: var(--orange); }

.carousel { margin-top: 18rem; }
.carousel-track { display: flex; gap: 14rem; overflow-x: auto; scroll-snap-type: x mandatory; scroll-behavior: smooth; overscroll-behavior-x: contain; scrollbar-width: none; border-radius: 4rem; }
.carousel-track::-webkit-scrollbar { display: none; }
.slide { flex: 0 0 calc((100% - 42rem) / 4); scroll-snap-align: start; display: flex; flex-direction: column; padding: 6rem 6rem 11rem; background: var(--white); border-radius: 4rem; }
.slide img, .slide-photo-none { width: 100%; height: 96rem; border-radius: 3rem; }
.slide-photo-none { display: grid; place-items: center; background: var(--soft); font-family: var(--display); font-size: 44rem; color: var(--ink); }
.slide blockquote, .slide-summary { margin: 9rem 4rem 0; }
.slide blockquote { font-family: var(--display); font-size: max(12.8rem, 16px); line-height: max(16rem, 22px); font-weight: 500; color: var(--ink); }
.slide-summary { font-size: max(9.6rem, 15px); line-height: max(14.5rem, 21px); color: var(--text); }
.slide h3 { margin: auto 4rem 0; padding-top: 9rem; font-family: var(--sans); font-size: max(11rem, 16px); line-height: max(14rem, 22px); font-weight: 600; }
.slide-agent { margin: 2rem 4rem 0; font-size: max(8.6rem, 13px); line-height: max(12rem, 18px); color: var(--muted); }
.slide-link { margin: 7rem 4rem 0; align-self: flex-start; font-size: max(9.2rem, 14px); font-weight: 600; color: var(--ink); text-decoration: underline; text-decoration-thickness: 1rem; text-underline-offset: 2.5rem; }
.slide-link::after { content: "\00a0→"; }

.stories .stories-bar .arrow { flex: none; }
.carousel-controls { display: flex; align-items: center; justify-content: center; gap: 14rem; margin-top: 16rem; }
.carousel-status { min-width: 52rem; text-align: center; font-size: max(10.5rem, 16px); font-weight: 500; color: #e6eaf0; font-variant-numeric: tabular-nums; }
.carousel-btn { display: grid; place-items: center; width: max(30rem, 40px); height: max(30rem, 40px); padding: 0; border: 1rem solid rgba(255,255,255,.7); border-radius: 50%; background: transparent; color: var(--white); cursor: pointer; transition: background .2s, color .2s; }
.carousel-btn svg { width: 14rem; height: 14rem; fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.carousel-btn:hover:not(:disabled) { background: var(--white); color: var(--navy); }
.carousel-btn:disabled { opacity: .35; cursor: default; }
@media (prefers-reduced-motion: reduce) {
  .carousel-track { scroll-behavior: auto; }
  .carousel-btn { transition: none; }
}

/* Quote band */
.quote-band { padding: 34rem 0 30rem; text-align: center; border-bottom: 1rem solid var(--line); }
.quotes { display: grid; }
.quote { grid-area: 1 / 1; margin: 0; align-self: center; visibility: hidden; opacity: 0; transition: opacity .5s, visibility .5s; }
.quote.is-on { visibility: visible; opacity: 1; }
.quote blockquote { max-width: 560rem; margin: 0 auto; font-family: var(--display); font-size: 23rem; line-height: 29rem; font-weight: 500; color: var(--ink); }
.quote-cite { margin-top: 10rem; font-size: max(9.6rem, 15px); font-weight: 600; letter-spacing: 0.08em; text-transform: uppercase; color: var(--muted); }
.quote-dots { display: flex; justify-content: center; gap: 2rem; margin-top: 8rem; }
.quote-dots button { width: 18rem; height: 18rem; padding: 0; border: 0; background: none; cursor: pointer; }
.quote-dots button::before { content: ""; display: block; width: 6rem; height: 6rem; margin: auto; border-radius: 50%; background: #d5d8dc; }
.quote-dots button[aria-pressed="true"]::before { background: var(--orange); }

/* Team */
.team { padding: 25rem 0 28rem; }
.team h2 { margin-top: 5rem; font-size: 34rem; line-height: 38rem; }
.team-row { display: flex; align-items: center; margin-top: 20rem; }
.member { display: flex; align-items: flex-start; gap: 24rem; }
.member:first-child { width: 305rem; }
.member:nth-child(2) { width: 315rem; padding-left: 28rem; border-left: 1rem solid var(--line); }
.initials { flex: none; display: grid; place-items: center; width: 57rem; height: 57rem; border-radius: 50%; background: #dadde2; font-size: 16rem; font-weight: 600; color: #263449; margin-top: 2rem; }
.headshot { flex: none; width: 64rem; height: 64rem; border-radius: 3rem; margin-top: 2rem; }
.member h3 { font-size: 15rem; line-height: 18rem; }
.member .role { font-size: max(11.4rem, 16px); line-height: max(16rem, 22px); color: var(--ink); }
.member p:not(.role) { margin-top: 5rem; font-size: max(10.9rem, 16px); line-height: max(15rem, 22px); color: var(--muted); }
.member { min-height: 71rem; }

/* FAQ */
.faq-section { background: var(--soft); padding: 25rem 0 22rem; }
.faq details:nth-child(n+5) { display: none; }
.faq.show-all details { display: block; }
.faq details p a { color: var(--ink); font-weight: 600; }
.faq-section h2 { font-size: 32rem; line-height: 36rem; }
.faq-head { display: flex; justify-content: space-between; align-items: flex-start; margin-top: 4rem; }
.faq-head .arrow { font-size: max(9.7rem, 15px); margin-top: -11rem; }
.faq { margin-top: 10rem; }
.faq details { background: var(--white); border-radius: 3rem; margin-bottom: 6.5rem; }
.faq summary { list-style: none; position: relative; cursor: pointer; min-height: max(30rem, 44px); display: flex; align-items: center; padding: 0 44rem 0 18rem; font-size: max(11.5rem, 16px); color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::before, .faq summary::after { content: ""; position: absolute; top: 50%; right: 22rem; width: 11rem; height: 1.6rem; background: var(--ink); transform: translateY(-50%); }
.faq summary::after { transform: translateY(-50%) rotate(90deg); transition: transform .2s; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(0deg); }
.faq details p { padding: 0 44rem 12rem 18rem; font-size: max(10rem, 16px); line-height: max(15rem, 22px); color: var(--text); }

/* Contact */
.contact { padding-bottom: 24rem; }
.contact .wrap { display: flex; justify-content: space-between; }
.contact-copy { padding-top: 26rem; }
.contact h2 { margin-top: 4rem; font-size: 32rem; line-height: 36rem; }
.contact .lede { margin-top: 6rem; font-size: max(12.3rem, 16px); line-height: max(18rem, 22px); color: #444b57; }
.call { display: flex; align-items: flex-start; gap: 18rem; width: 226rem; margin-top: 23rem; padding-top: 3rem; padding-bottom: 6rem; border-right: 1rem solid var(--line); }
.call .icon { flex: none; display: grid; place-items: center; width: 34rem; height: 34rem; margin-top: 8rem; border-radius: 50%; background: var(--navy); color: var(--white); }
.call .icon svg { width: 15rem; height: 15rem; }
.call a { display: block; font-size: 15.25rem; line-height: 20rem; font-weight: 600; color: var(--ink); text-decoration: none; }
.call span { display: block; margin-top: 2rem; font-size: max(11.8rem, 16px); line-height: max(16rem, 22px); color: var(--muted); }
.reach { display: flex; gap: 8rem; margin-top: 10rem; }
.call .reach-btn { display: inline-flex; align-items: center; height: 24rem; padding: 0 12rem; border: 1rem solid var(--navy); border-radius: 12rem; font-size: max(9.6rem, 15px); line-height: 1; font-weight: 600; color: var(--navy); }
.call .reach-btn:hover { background: var(--navy); color: var(--white); }
.espanol { margin-top: 9rem; font-size: max(10rem, 16px); font-weight: 600; color: var(--ink); }

/* Selling */
.selling { padding: 26rem 0; border-top: 1rem solid var(--line); }
.selling .wrap { display: flex; align-items: center; justify-content: space-between; gap: 30rem; }
.selling-copy { max-width: 520rem; }
.selling h2 { margin-top: 6rem; font-size: 26rem; line-height: 30rem; }
.selling-copy p { margin-top: 6rem; font-size: max(11.5rem, 16px); line-height: max(17rem, 22px); color: var(--text); }
.selling .btn { flex: none; margin-top: 14rem; min-width: 150rem; min-height: max(32rem, 44px); padding: 0 16rem; font-size: max(10.5rem, 16px); }
.selling h2 em { font-style: italic; color: var(--gold-deep); }
.sell-compare { flex: none; width: 290rem; padding: 16rem 18rem; border-radius: 5rem; background: var(--navy); color: var(--white); }
.sell-compare-title { font-size: max(7.6rem, 12px); font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold-bright); }
.sell-compare dl { margin: 8rem 0 0; }
.sell-row { display: flex; justify-content: space-between; align-items: baseline; gap: 12rem; padding: 7rem 0; border-bottom: 1rem solid rgba(255,255,255,.14); font-size: max(10rem, 15px); }
.sell-row dt { color: rgba(255,255,255,.82); }
.sell-row dd { margin: 0; font-weight: 600; font-variant-numeric: tabular-nums; }
.sell-row:first-child dd { color: rgba(255,255,255,.7); text-decoration: line-through; text-decoration-thickness: 1.5px; }
.sell-row.is-save { border-bottom: 0; padding-top: 10rem; }
.sell-row.is-save dt { color: var(--white); font-weight: 600; }
.sell-row.is-save dd { font-family: var(--display); font-size: max(22rem, 30px); font-weight: 500; line-height: 1; font-variant-numeric: lining-nums tabular-nums; color: var(--gold-bright); }
.sell-compare-note { margin-top: 6rem; font-size: max(7.4rem, 12px); line-height: 1.45; color: rgba(255,255,255,.72); }
.inquiry { margin-top: 13rem; margin-right: -1rem; width: 322rem; padding: 12rem 15rem 14rem; border: 1rem solid #e5e5e5; border-radius: 5rem; background: var(--white); }
.inquiry h3 { font-size: max(11.6rem, 16px); line-height: max(16rem, 22px); }
.row2 { display: grid; grid-template-columns: 140rem 138rem; gap: 12rem; margin-top: 5rem; }
.f label { display: block; font-size: max(7.5rem, 13px); line-height: max(11rem, 18px); font-weight: 500; color: var(--ink); }
.f input, .f textarea { display: block; width: 100%; margin-top: 3rem; border: 1rem solid var(--field); border-radius: 3rem; padding: 0 7rem; font-size: max(7.5rem, 13px); color: var(--text); background: var(--white); }
.f input { height: max(21rem, 36px); }
.f textarea { height: max(38rem, 64px); padding-top: 6rem; resize: vertical; }
.f input::placeholder, .f textarea::placeholder { color: #a0a5ad; }
.inquiry > .fields > .f { margin-top: 7rem; }
.inquiry .btn { width: 100%; height: max(28rem, 42px); margin-top: 8rem; font-size: max(9.5rem, 15px); }
.inquiry .fine { margin-top: 6rem; font-size: max(8.4rem, 13px); }
.thanks { display: none; }
.form-done .fields { display: none; }
.form-done .thanks { display: block; }

/* Footer */
.site-footer { padding-bottom: 14rem; background: var(--navy-band); color: var(--white); }
.site-footer .wrap { display: flex; justify-content: space-between; align-items: flex-start; padding-top: 14rem; }
.site-footer .names { font-size: max(10.3rem, 16px); line-height: max(16rem, 22px); }
.site-footer .names b { font-weight: 600; }
.site-footer .names { display: flex; align-items: center; }
.footer-logo { height: 20rem; width: auto; }
.site-footer .names i { font-style: normal; margin: 0 13rem 0 15rem; }
.site-footer .small { margin-top: 7rem; font-size: max(8.9rem, 14px); line-height: max(10rem, 20px); color: #d3d8e0; }
.site-footer .right { margin-top: 4rem; margin-right: 6rem; font-size: max(8.8rem, 14px); color: #e3e7ee; }

/* Member stories page */
.soft { background: var(--soft); }
.center { text-align: center; }
.nav a[aria-current="page"] { text-decoration: underline; text-decoration-color: var(--orange); text-decoration-thickness: 1.5rem; text-underline-offset: 3rem; }
.page-head { padding: 46rem 0 38rem; }
.page-head h1 { margin-top: 12rem; font-size: 42rem; line-height: 46rem; letter-spacing: -0.01em; }
.page-head .lede { max-width: 470rem; margin: 10rem auto 0; font-size: max(13rem, 16px); line-height: max(20rem, 22px); color: var(--text); }
.story { display: grid; grid-template-columns: 5fr 7fr; gap: 36rem; padding: 36rem 0; border-bottom: 1rem solid var(--line); align-items: start; }
.story[hidden] { display: none; }
.story-media img { width: 100%; height: 335rem; border-radius: 4rem; }
.story-media.small img { height: 270rem; }
.story-media.quote-only { display: flex; flex-direction: column; justify-content: center; min-height: 206rem; padding: 26rem 22rem; border-radius: 4rem; background: var(--navy); color: var(--white); }
.story-media.quote-only .story-tag { color: #c9cfd8; }
.story-media .big { font-family: var(--display); font-size: 22rem; line-height: 28rem; font-weight: 500; color: var(--white); margin: 0; }
.story-media .big em { font-style: normal; color: var(--orange); }
.story-tag { display: block; margin-bottom: 9rem; font-size: max(8rem, 13px); line-height: max(10rem, 18px); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--muted); }
.story h2 { font-size: 27rem; line-height: 31rem; }
.story h3 { margin: 16rem 0 5rem; font-size: 15.5rem; line-height: 19rem; }
.story p { margin-bottom: 7rem; font-size: max(10.5rem, 16px); line-height: max(16.5rem, 22px); color: var(--text); }
.glance { display: flex; flex-wrap: wrap; gap: 4rem 16rem; margin-top: 12rem; padding: 8rem 0; border-top: 1rem solid var(--line); border-bottom: 1rem solid var(--line); font-size: max(9rem, 14px); color: var(--text); }
.glance b { margin-right: 4rem; font-weight: 600; color: var(--ink); }
.story blockquote { margin: 18rem 0 0; padding: 2rem 0 2rem 13rem; border-left: 3rem solid var(--orange); font-family: var(--display); font-size: 17rem; line-height: 23rem; font-weight: 500; color: var(--ink); }
.story blockquote cite { display: block; margin-top: 6rem; font-family: var(--sans); font-style: normal; font-size: max(9rem, 14px); color: var(--muted); }
.stories-note { padding: 16rem 0 30rem; }
.story-filter { display: flex; flex-wrap: wrap; gap: 8rem; padding-top: 26rem; }
.story-filter button { height: max(26rem, 36px); padding: 0 12rem; border: 1rem solid var(--field); border-radius: 13rem; background: var(--white); color: var(--ink); font-size: max(9.5rem, 15px); font-weight: 500; cursor: pointer; }
.story-filter button span { margin-left: 4rem; color: var(--muted); }
.story-filter button[aria-pressed="true"] { background: var(--navy); border-color: var(--navy); color: var(--white); }
.story-filter button[aria-pressed="true"] span { color: #c9cfd8; }
.pending { display: inline-block; margin-left: 3rem; padding: 1rem 5rem; border-radius: 2rem; background: #ffeee4; color: #8a3300; font-size: max(6.5rem, 13px); font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; vertical-align: middle; }
.story-cta { padding: 46rem 0; text-align: center; }
.story-cta p { max-width: 430rem; margin: 8rem auto 0; font-size: max(12rem, 16px); line-height: max(18rem, 22px); color: var(--text); }
.story-cta .actions { display: flex; justify-content: center; gap: 12rem; margin-top: 18rem; }
.story-cta .btn { min-width: 150rem; min-height: max(32rem, 44px); padding: 0 16rem; font-size: max(10.5rem, 16px); }
.btn.outline { border: 1rem solid var(--navy); background: transparent; color: var(--navy); }
.btn.outline:hover { background: var(--navy); color: var(--white); }
.site-footer:has(.disclosure) { height: auto; padding-bottom: 14rem; }
.site-footer .disclosure { padding-top: 10rem; font-size: max(7.8rem, 13px); line-height: max(12rem, 18px); color: #c9cfd8; }

/* Smaller laptops: drop the program name so the menu fits on one line */
@media (max-width: 1180px) and (min-width: 761px) {
  .program { display: none; }
  .nav { gap: 20px; }
}
/* Tablets: switch to the Menu button */
@media (max-width: 960px) and (min-width: 761px) {
  .header-inner { width: calc(100% - 48px); flex-wrap: wrap; }
  .header-inner:has(.nav.open) { height: auto; padding-bottom: 16px; }
  .brand { order: 1; height: 60px; }
  .nav { order: 2; margin-left: auto; }
  .nav a:not(.btn) { display: none; }
  .menu-toggle { order: 3; display: inline-flex; align-items: center; height: 36px; margin-left: 10px; padding: 0 12px; border: 1px solid var(--field); border-radius: 3px; background: var(--white); color: var(--ink); font-size: 14px; font-weight: 500; cursor: pointer; }
  .nav.open { order: 4; width: 100%; flex-direction: column; align-items: stretch; gap: 0; margin-left: 0; }
  .nav.open a:not(.btn) { display: block; padding: 12px 0; border-top: 1px solid var(--line); font-size: 16px; }
  .nav.open .btn { width: 100%; height: 44px; margin-top: 12px; font-size: 15px; }
}

/* Member stories: 4 cards on larger screens, "Show more" opens 8; the swipe carousel on phones */
.stories-more { display: none; }
@media (min-width: 761px) {
  .carousel-track { flex-wrap: wrap; row-gap: 16rem; overflow: visible; scroll-snap-type: none; }
  .carousel-track .slide:nth-child(n+5) { display: none; }
  .carousel-track.is-open .slide:nth-child(-n+8) { display: flex; animation: storyIn .35s ease both; }
  .carousel-controls { display: none; }
  .stories-more { display: flex; justify-content: center; align-items: center; gap: 16rem; margin-top: 20rem; }
  .stories-toggle, .stories-all { display: inline-flex; align-items: center; gap: 8rem; padding: 9rem 18rem; border: 1rem solid rgba(255,255,255,.7); border-radius: 3rem; background: transparent; color: var(--white); font: 600 max(10.6rem, 15px) var(--sans); text-decoration: none; cursor: pointer; }
  .stories-toggle svg { width: 16px; height: 16px; fill: none; stroke: var(--gold-bright); stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; transition: transform .25s; }
  .stories-toggle[aria-expanded="true"] svg { transform: rotate(180deg); }
  .stories-toggle:hover, .stories-all:hover { background: var(--white); color: var(--navy); }
  .stories-toggle:focus-visible, .stories-all:focus-visible { outline: 2rem solid var(--gold-bright); outline-offset: 3rem; }
  .stories-all { display: none; }
  .stories-all::after { content: "\00a0\00a0→"; }
  .is-open ~ .stories-more .stories-all, .stories-more.is-open .stories-all { display: inline-flex; }
}
@keyframes storyIn { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
@media (prefers-reduced-motion: reduce) {
  .carousel-track.is-open .slide { animation: none; }
  .stories-toggle svg { transition: none; }
}

/* Floating contact button */
.contact-float { position: fixed; right: 20px; bottom: max(20px, env(safe-area-inset-bottom)); z-index: 50; display: flex; flex-direction: column; align-items: flex-end; gap: 10px; }
.contact-float-btn { display: inline-flex; align-items: center; gap: 8px; height: 52px; padding: 0 20px 0 16px; border: 0; border-radius: 26px; background: var(--navy); color: var(--white); font: 600 15px/1 var(--sans); box-shadow: 0 6px 20px rgba(19,37,61,.28); cursor: pointer; transition: transform .2s, opacity .25s, visibility .25s; }
.contact-float-btn:hover { transform: translateY(-2px); }
.contact-float-btn svg { width: 22px; height: 22px; fill: none; stroke: var(--gold-bright); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.contact-float-btn svg + svg { display: none; }
.contact-float-btn[aria-expanded="true"] svg { display: none; }
.contact-float-btn[aria-expanded="true"] svg + svg { display: block; }
.contact-float-btn:focus-visible { outline: 3px solid var(--gold-bright); outline-offset: 3px; }
.contact-float.is-hidden .contact-float-btn { opacity: 0; visibility: hidden; transform: translateY(10px); }
.contact-float-menu { width: 290px; padding: 14px; border: 1px solid #e3e0da; border-radius: 6px; background: var(--white); box-shadow: 0 12px 32px rgba(19,37,61,.18); }
.contact-float-title { margin: 0 4px 8px; font-family: var(--display); font-size: 20px; font-weight: 500; color: var(--ink); }
.contact-float-menu a { display: flex; align-items: center; gap: 12px; padding: 10px 8px; border-radius: 4px; color: var(--ink); text-decoration: none; }
.contact-float-menu a:hover, .contact-float-menu a:focus-visible { background: #f6f4f0; }
.contact-float-menu a:focus-visible { outline: 2px solid var(--gold-bright); outline-offset: 0; }
.contact-float-menu svg { flex: none; width: 22px; height: 22px; fill: none; stroke: var(--gold-deep); stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.contact-float-menu span { font-size: 13px; line-height: 1.35; color: var(--muted); overflow-wrap: anywhere; }
.contact-float-menu b { display: block; font-size: 15px; font-weight: 600; color: var(--ink); }
.contact-float-note { margin: 6px 8px 2px; padding-top: 10px; border-top: 1px solid #ebe8e2; font-size: 13px; font-weight: 600; color: var(--gold-text); }
@media (prefers-reduced-motion: reduce) {
  .contact-float-btn { transition: none; }
}

/* Phones: same design, stacked */
@media (max-width: 760px) {
  html { font-size: 1.25px; }
  h2 { font-size: 26rem !important; line-height: 30rem !important; }
  .lede br, .stories-intro p br, .steps p br, .member p br, .calculator .fine br { display: none; }
  .hero-actions { flex-wrap: wrap; gap: 14px 22px; }
  .hero-actions .btn { width: auto; padding: 0 18px; }
  .faq-head .arrow { margin-top: 0; }
  .wrap { width: calc(100% - 36px); }
  .header-inner { width: calc(100% - 36px); height: 60px; }
  .program, .nav a:not(.btn) { display: none; }
  .header-inner { flex-wrap: wrap; }
  .header-inner:has(.nav.open) { height: auto; padding-bottom: 16px; }
  .brand { order: 1; height: 60px; }
  .nav { order: 2; margin-left: auto; }
  .menu-toggle { order: 3; display: inline-flex; align-items: center; height: 36px; margin-left: 10px; padding: 0 12px; border: 1px solid var(--field); border-radius: 3px; background: var(--white); color: var(--ink); font-size: 14px; font-weight: 500; cursor: pointer; }
  .nav.open { order: 4; width: 100%; flex-direction: column; align-items: stretch; gap: 0; margin-left: 0; }
  .nav.open a:not(.btn) { display: block; padding: 12px 0; border-top: 1px solid var(--line); font-size: 16px; }
  .nav.open .btn { width: 100%; height: 44px; margin-top: 12px; font-size: 15px; }
  .logo-box { width: 120rem; }
  .logo { height: 26rem; }
  .hero, .benefit, .team, .faq-section, .contact, .site-footer { height: auto; }
  .hero-copy { padding: 36px 0 32px; }
  .hero h1 { font-size: 30rem; line-height: 32rem; }
  .hero-copy { max-width: none; }
  .hero h1 br, .benefit h2 br { display: none; }
  .hero-photo::before { display: none; }
  .hero { padding-bottom: 0; }
  .hero-photo { position: relative; width: 100%; height: 260px; }
  .referral .wrap { gap: 10px; padding: 14px 0; }
  .referral p { font-size: 15rem; line-height: 20rem; }
  .benefit { padding: 40px 0; }
  .benefit .wrap, .contact .wrap { flex-direction: column; }
  .benefit-copy { padding-top: 0; }
  .benefit h2 { font-size: 30rem !important; line-height: 32rem !important; }
  .calculator, .inquiry { width: 100%; height: auto; margin: 28px 0 0; padding-bottom: 16rem; }
  .calculator .fine, .ticks { font-size: max(9.6rem, 15px); line-height: max(13rem, 21px); }
  .how, .team, .faq-section { padding: 40px 0; }
  .contact-float { right: 14px; bottom: max(14px, env(safe-area-inset-bottom)); }
  .contact-float-btn { height: 48px; padding: 0 16px 0 14px; }
  .contact-float-menu { width: min(290px, calc(100vw - 28px)); }
  .why { padding: 40px 0; }
  .why h2 { font-size: 30rem !important; line-height: 34rem !important; }
  .why-list { grid-template-columns: 1fr; }
  .why-list h3 br { display: none; }
  .why-list li { grid-template-columns: 34px 1fr; column-gap: 12px; padding: 20px; }
  .why-list h3 { font-size: 22rem; line-height: 26rem; }
  .audience { padding: 40px 0; }
  .audience h2 { font-size: 30rem !important; line-height: 34rem !important; }
  .audience-list { grid-template-columns: 1fr; gap: 0; padding-top: 0; }
  .audience-list li { padding: 20px 0; border-left: 0; border-bottom: 1px solid #e6e2db; }
  .audience-list h3 { white-space: normal; }
  .audience-list li:last-child { border-bottom: 0; padding-bottom: 0; }
  .how-example { padding: 10px 12px 10px 14px; }
  .quote-band { padding: 32px 0 26px; }
  .quote blockquote { font-size: 17rem; line-height: 24rem; }
  .steps { grid-template-columns: 1fr; gap: 24px; }
  .stories { padding: 40px 0; }
  .stories .wrap { padding-top: 0; }
  .stories-bar { flex-direction: column; align-items: flex-start; gap: 12px; }
  .stories-sub { white-space: normal; font-size: max(12.4rem, 16px); line-height: max(18rem, 22px); }
  .carousel { margin-top: 16px; }
  .carousel-track { gap: 12px; margin-right: -18px; padding-right: 18px; scroll-padding-left: 0; }
  .slide { flex-basis: 78%; }
  .slide img, .slide-photo-none { height: 150px; }
  .slide blockquote { font-size: 14rem; line-height: 19rem; }
  .slide-summary { font-size: max(12rem, 16px); line-height: max(17rem, 22px); }
  .slide h3 { font-size: max(13rem, 16px); line-height: max(17rem, 22px); }
  .slide-agent { font-size: max(11rem, 16px); line-height: max(15rem, 22px); }
  .slide-link { font-size: max(12rem, 16px); }
  .carousel-btn { width: 44px; height: 44px; }
  .team-row { flex-direction: column; align-items: flex-start; gap: 18px; }
  .member:first-child, .member:nth-child(2) { width: auto; padding-left: 0; border-left: 0; }
    .faq-head { flex-direction: column; align-items: flex-start; gap: 8px; }
  .faq-head .arrow { margin-bottom: 0; }
  .selling .wrap { flex-direction: column; align-items: flex-start; gap: 16px; }
  .sell-compare { width: 100%; padding: 18px; }
  .selling .btn { width: auto; padding: 0 18px; }
  .call { width: auto; }
  .faq summary { height: auto; min-height: 40px; padding-top: 8px; padding-bottom: 8px; }
  .contact { padding: 40px 0; }
  .contact-copy { padding-top: 0; }
  .call { border-right: 0; height: auto; }
  .row2 { grid-template-columns: 1fr 1fr; }
  .site-footer { padding: 16px 0; }
  .site-footer .wrap { flex-direction: column; gap: 8px; padding-top: 0; }
  .page-head { padding: 36px 0 28px; }
  .page-head h1 { font-size: 30rem; line-height: 36rem; }
  .story { grid-template-columns: 1fr; gap: 20px; padding: 28px 0; }
  .story-media img, .story-media.small img { height: 260px; }
  .story-cta { padding: 40px 0; }
  .story-cta .actions { flex-wrap: wrap; }
  .story-cta .btn { width: auto; padding: 0 18px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}

/* Legal and compliance */
.fn { margin-left: 1rem; color: inherit; text-decoration: none; font-weight: 600; }
.stories-note { margin-top: 14rem; font-size: max(8.4rem, 13px); line-height: max(12rem, 18px); color: #c9cfd8; }
.stories-note .pending, .site-footer .pending { background: #2a3d58; color: #ffd9c4; }
.inquiry .fine a { color: var(--ink); }
.footer-legal { display: block !important; margin-top: 12rem; padding-top: 4rem !important; border-top: 1rem solid #ffffff22; }
.footer-legal .disclosure { padding-top: 8rem; }
.legal-row { display: flex; flex-wrap: wrap; align-items: center; gap: 6rem 16rem; padding-top: 10rem; font-size: max(8.4rem, 13px); color: #e3e7ee; }
.legal-row a { color: #e3e7ee; }
.eho { width: max(18rem, 22px); height: max(18rem, 22px); color: #e3e7ee; margin-right: -8rem; }

/* Disclosures matching homebenefitservices.com */
.hero-license { margin-top: 10rem; font-size: max(8.6rem, 13px); letter-spacing: 0.02em; color: var(--muted); }
.broker-block { padding-top: 10rem; font-size: max(9rem, 14px); line-height: max(14rem, 20px); color: #e3e7ee; }
.broker-block b { font-weight: 600; color: var(--white); }
.broker-block a { color: #e3e7ee; }
.consent { display: flex; gap: 7rem; align-items: flex-start; margin-top: 8rem; font-size: max(7.4rem, 12px); line-height: max(11rem, 17px); color: var(--muted); cursor: pointer; }
.consent input { flex: none; margin: 2rem 0 0; width: max(10rem, 15px); height: max(10rem, 15px); accent-color: var(--navy); }
.consent a { color: var(--ink); }

/* Why section: heading column + compact list, sized to fit one laptop screen */
.why .wrap { display: grid; grid-template-columns: 280rem 1fr; column-gap: 44rem; align-items: start; }
.why .wrap::before { display: none; }
.why-head::before { content: ""; display: block; width: 26rem; height: 2rem; margin-bottom: 10rem; background: var(--gold-bright); }
.why-head h2 em { display: block; }
.why-intro { max-width: none; }
.why-list { grid-template-columns: 1fr; gap: 0; margin: 0; }
.why-list li { grid-template-columns: 22rem 1fr; column-gap: 12rem; padding: 11rem 0 11rem; border-radius: 0; background: none; border-top: 1rem solid var(--line); }
.why-list li:first-child { border-top: 0; padding-top: 2rem; }
.why-list li:last-child { padding-bottom: 0; }
.why-list svg { width: 20rem; height: 20rem; margin-top: 1rem; }
.why-list h3 { align-self: start; font-size: 17rem; line-height: 21rem; }
.why-list p { grid-column: 2; margin-top: 4rem; line-height: 1.5; }
@media (max-width: 760px) {
  .why .wrap { grid-template-columns: 1fr; row-gap: 20px; }
  .why-list li { grid-template-columns: 28px 1fr; padding: 16px 0; }
}

/* Seller line in hero */
.hero-sell { display: inline-block; margin-top: 10rem; padding: 6rem 10rem 6rem 9rem; border-left: 2rem solid var(--gold-bright); background: rgba(255,255,255,.55); font-size: max(10.6rem, 15px); line-height: 1.4; color: var(--ink); text-decoration: none; }
.hero-sell b { font-weight: 600; }
.hero-sell span { display: inline-block; margin-left: 6rem; color: var(--gold-deep); transition: transform .2s; }
.hero-sell:hover span { transform: translateX(3rem); }
.hero-sell:hover { background: #fff; }

/* Agent photos on story cards */
.slide-agent { display: flex; align-items: center; gap: 7rem; }
.agent-faces { display: inline-flex; flex: none; }
.agent-faces img, .agent-initials { width: max(18rem, 26px); height: max(18rem, 26px); border-radius: 50%; border: 1.5px solid var(--white); object-fit: cover; }
.agent-faces > * + * { margin-left: -8px; }
.agent-initials { display: grid; place-items: center; background: #e6e2db; color: var(--ink); font-size: 10px; font-weight: 600; }
/* Our agents */
.agents { padding: 36rem 0 38rem; border-top: 1rem solid #ebe8e2; }
.agents .wrap::before { content: ""; display: block; width: 26rem; height: 2rem; margin-bottom: 14rem; background: var(--gold-bright); }
.agents .eyebrow { letter-spacing: 0.16em; color: var(--gold-text); }
.agents h2 { margin-top: 12rem; font-size: 36rem; line-height: 40rem; }
.agents h2 em { font-style: italic; color: var(--gold-deep); }
.agents-intro { max-width: 560rem; margin-top: 10rem; font-size: max(12rem, 16px); line-height: max(18rem, 24px); color: var(--muted); }
.agent-grid { list-style: none; display: grid; grid-template-columns: repeat(4, 1fr); gap: 22rem 18rem; margin: 24rem 0 0; padding: 0; }
.agent-grid li:nth-child(n+9) { display: none; }
.agent-grid.is-open li { display: block; }
.agent-grid img { width: 100%; aspect-ratio: 1; border-radius: 4rem; object-fit: cover; }
.agent-office { display: block; margin-top: 10rem; font-size: max(7.6rem, 12px); font-weight: 600; letter-spacing: 0.12em; text-transform: uppercase; color: var(--gold-text); }
.agent-grid h3 { margin-top: 10rem; font-size: 18rem; line-height: 22rem; }
.agent-grid p { margin-top: 4rem; font-size: max(9.6rem, 14px); line-height: max(14rem, 20px); color: var(--muted); }
.agents-more { display: flex; justify-content: center; margin-top: 22rem; }
.agents-toggle { display: inline-flex; align-items: center; gap: 8rem; padding: 9rem 18rem; border: 1rem solid var(--navy); border-radius: 3rem; background: transparent; color: var(--navy); font: 600 max(10.6rem, 15px) var(--sans); cursor: pointer; }
.agents-toggle svg { width: 16px; height: 16px; fill: none; stroke: var(--gold-deep); stroke-width: 2.2; stroke-linecap: round; }
.agents-toggle[aria-expanded="true"] svg { transform: rotate(180deg); }
@media (max-width: 760px) {
  .agents { padding: 40px 0; }
  .agents h2 { font-size: 30rem !important; line-height: 34rem !important; }
  .agent-grid { grid-template-columns: repeat(2, 1fr); gap: 20px 14px; }
  .agent-grid li:nth-child(n+5) { display: none; }
  .agent-grid.is-open li { display: block; }
}

.agent-monogram { display: grid; place-items: center; width: 100%; aspect-ratio: 1; border-radius: 4rem; background: #f3efe8; box-shadow: inset 0 0 0 1rem #e2dccf; font-family: var(--display); font-size: 52rem; font-weight: 500; letter-spacing: 0.02em; color: var(--ink); position: relative; }
.agent-monogram::after { content: ""; position: absolute; bottom: 30%; left: 50%; width: 22rem; height: 2rem; margin-left: -11rem; background: var(--gold-bright); }

/* Team: program team + agents in one section */
.people-sub { margin-top: 24rem; padding-bottom: 8rem; border-bottom: 1rem solid #ebe8e2; font-family: var(--sans); font-size: max(10rem, 15px); font-weight: 600; letter-spacing: 0.1em; text-transform: uppercase; color: var(--ink); }
.program-team { list-style: none; display: grid; grid-template-columns: 1fr 1fr; gap: 18rem; margin: 16rem 0 0; padding: 0; }
.program-team li { display: flex; align-items: center; gap: 18rem; padding: 14rem; border-radius: 4rem; background: #f6f4f0; }
.program-team img { flex: none; width: 120rem; height: 120rem; border-radius: 4rem; object-fit: cover; }
.program-team .agent-office { margin-top: 0; }
.program-team .nowrap { white-space: nowrap; }
.program-team h4 { margin: 3rem 0 0; font-family: var(--display); font-size: 22rem; line-height: 26rem; font-weight: 500; color: var(--ink); }
.program-team p { margin-top: 5rem; font-size: max(10.4rem, 15px); line-height: max(15rem, 22px); color: var(--muted); }
.team-phone { display: inline-flex; align-items: center; gap: 6px; margin-top: 8rem; font-size: max(10rem, 15px); font-weight: 600; color: var(--ink); text-decoration: none; font-variant-numeric: tabular-nums; }
.team-phone svg { width: 15px; height: 15px; fill: var(--gold-deep); }
.team-phone:hover { text-decoration: underline; text-underline-offset: 3px; }
.team-phone:focus-visible { outline: 2px solid var(--gold-deep); outline-offset: 3px; }
.agents .agents-intro { margin-top: 12rem; }
@media (max-width: 760px) {
  .program-team { grid-template-columns: 1fr; gap: 12px; }
  .program-team li { padding: 12px; gap: 14px; align-items: flex-start; }
  .program-team img { width: 96px; height: 96px; }
}

/* Agents introduction */
.pros-intro { margin-top: 30rem; padding: 30rem 0 6rem; border-top: 1rem solid #ebe8e2; }
.pros-label { display: block; font-size: max(8.2rem, 13px); font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: var(--gold-text); }
.pros-title { margin-top: 10rem; font-size: 32rem; line-height: 36rem; font-weight: 500; }
.pros-title em { font-style: italic; color: var(--gold-deep); }
.pros-copy { display: grid; grid-template-columns: 1.25fr 1fr; gap: 24rem; margin-top: 14rem; }
.pros-copy p { font-size: max(11.2rem, 16px); line-height: max(17rem, 25px); color: var(--text); }
.pros-statement { margin-top: 22rem; padding: 14rem 0; border-top: 1rem solid var(--gold-bright); border-bottom: 1rem solid var(--gold-bright); text-align: center; font-family: var(--display); font-style: italic; font-size: 22rem; line-height: 28rem; color: var(--ink); }
.pros-sub { max-width: 560rem; margin: 14rem auto 0; text-align: center; font-size: max(10.6rem, 15px); line-height: max(16rem, 23px); color: var(--muted); }
.pros-btn { display: table; margin: 16rem auto 0; padding: 0 22rem; min-height: max(32rem, 44px); line-height: max(32rem, 44px); font-size: max(10.6rem, 15px); }
.pros-btn::after { content: "\00a0\00a0↓"; }
.agent-grid:focus { outline: none; }
@media (max-width: 760px) {
  .pros-intro { margin-top: 28px; padding-top: 24px; }
  .pros-title { font-size: 26rem !important; line-height: 30rem !important; }
  .pros-copy { grid-template-columns: 1fr; gap: 12px; }
  .pros-statement { font-size: 18rem; line-height: 24rem; }
}

/* Agent license numbers */
.agent-dre { display: block; margin-top: 2rem; font-size: max(7.4rem, 13px); line-height: max(11rem, 18px); color: var(--muted); }

/* Privacy policy page */
.policy { padding-block: 30rem 50rem; }
.policy .wrap { max-width: 720px; font-size: max(9.5rem, 16px); line-height: 1.6; color: var(--text); }
.policy p { margin-top: 10px; }
.policy h2 { margin-top: 20px; font-family: var(--display); font-size: max(16rem, 26px); line-height: 1.2; color: var(--ink); }
.policy .policy-date { margin-top: 0; font-size: max(8rem, 14px); color: var(--muted); }
.policy ol { margin-top: 18px; padding-left: 1.4em; }
.policy ol > li { margin-top: 26px; }
.policy ol > li::marker, .policy ol > li > strong:first-child { font-family: var(--display); font-size: max(13rem, 22px); font-weight: 500; color: var(--ink); }
.policy ol > li > strong:first-child { display: block; }
.policy em { font-style: normal; }
.policy a { color: var(--ink); overflow-wrap: anywhere; }
.site-footer .disclosure a { color: inherit; text-decoration: underline; text-underline-offset: 2px; }

/* Contact form states */
.inquiry .hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.inquiry .form-error { margin-top: 6rem; font-size: max(8rem, 13px); line-height: 1.4; color: #b3261e; }
.inquiry .form-error a { color: inherit; }
.f input[aria-invalid="true"] { border-color: #b3261e; }
.inquiry .btn[disabled] { opacity: .7; cursor: progress; }

/* Accessibility */
.skip-link { position: absolute; left: 12px; top: -60px; z-index: 100; padding: 10px 16px; border-radius: 4px; background: var(--navy); color: var(--white); font: 600 15px var(--sans); text-decoration: none; }
.skip-link:focus { top: 12px; }
main:focus { outline: none; }
.step-num { font-size: max(12rem, 19px); font-weight: 700; }   /* large bold text: white on orange meets 3:1 */
.stories-note.on-light { color: var(--muted); }
.inquiry .form-hint { margin-top: 3rem; font-size: max(7.6rem, 13px); line-height: 1.4; color: var(--muted); }
.consent input { width: max(12rem, 18px); height: max(12rem, 18px); }

/* Section labels sit above their short gold line (the calculator card keeps its own line) */
.benefit-copy::before, .audience .wrap::before, .why-head::before, .agents .wrap::before { display: none; }
.benefit .eyebrow::after, .audience .eyebrow::after, .why .eyebrow::after, .agents .eyebrow::after { content: ""; display: block; width: 26rem; height: 2rem; margin-top: 12rem; background: var(--gold-bright); }


/* Contact form: pick how to be reached; the reply request is separate from optional updates */
.inquiry fieldset.reach { display: block; margin: 7rem 0 0; padding: 0; border: 0; min-width: 0; }
.reach legend { padding: 0; font-size: max(7.5rem, 13px); line-height: max(11rem, 18px); font-weight: 500; color: var(--ink); }
.reach-options { display: grid; grid-template-columns: repeat(3, 1fr); gap: 6rem; margin-top: 3rem; }
.reach-options label { position: relative; cursor: pointer; }
.reach-options input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.reach-options span { display: flex; align-items: center; justify-content: center; height: max(21rem, 36px); border: 1rem solid var(--field); border-radius: 3rem; font-size: max(7.5rem, 13px); font-weight: 500; color: var(--text); background: var(--white); white-space: nowrap; }
.reach-options input:checked + span { border-color: var(--navy); background: var(--navy); color: var(--white); }
.reach-options input:focus-visible + span { outline: 2px solid var(--gold-bright); outline-offset: 2px; }
.inquiry .reply-note { margin-top: 7rem; font-size: max(7.4rem, 12px); line-height: max(11rem, 17px); color: var(--muted); }
.consent b { font-weight: 600; color: var(--ink); }

/* Member story cards: the whole card opens the story (the "Read their story" link is stretched over it) */
.slide { position: relative; transition: transform .2s ease, box-shadow .2s ease; }
.slide-link::before { content: ""; position: absolute; inset: 0; z-index: 1; border-radius: inherit; }
.slide:hover { transform: translateY(-3px); box-shadow: 0 10px 24px rgba(0, 0, 0, .22); }
.slide:hover .slide-link { text-decoration-color: var(--gold-bright); }
.slide-link:focus-visible { outline: none; }
.slide:has(.slide-link:focus-visible) { outline: 3px solid var(--gold-bright); outline-offset: 3px; }
@media (prefers-reduced-motion: reduce) { .slide, .slide:hover { transition: none; transform: none; } }

.sell-row.is-save .less { font-size: .6em; color: var(--white); }

.selling .selling-copy p.selling-terms { margin-top: 8rem; font-size: max(7.6rem, 13px); line-height: 1.5; color: var(--muted); }
.selling .selling-terms a { color: var(--ink); }