/* =====================================================================
   THEME — edit colors here. Everything else references these variables.
   Guild Mortgage palette, sampled 2026-11-04 (MT) from guildmortgage.com:
   --guild-navy     #262a82  site CSS (nav/link/heading color; Brady's Guild page hero band)
   --guild-navy-logo#2e3080  dominant pixel color of Guild-Logo.png
   --guild-gold     #f9c60f  yellow pixel color of Guild-Logo.png
   --guild-yellow   #ffdf00  site CSS accent yellow
   --guild-purple   #953192  site CSS --primary_color / link hover
   --guild-text     #4a494a  site CSS body text
   --guild-sky      #f4f8ff  Brady's Guild page panel background
   --guild-periwinkle #6472c4  Brady's Guild page accent border
   --guild-gray     #939598  Brady's Guild page secondary text
   ===================================================================== */
:root{
  --guild-navy:#262a82; --guild-navy-logo:#2e3080; --guild-gold:#f9c60f; --guild-yellow:#ffdf00;
  --guild-purple:#953192; --guild-text:#4a494a; --guild-ink:#191a1d; --guild-sky:#f4f8ff;
  --guild-bg2:#f7f7f7; --guild-border:#ebebec; --guild-periwinkle:#6472c4; --guild-gray:#939598; --white:#ffffff;

  /* semantic — DARK theme (2026-11-04, Brady's request so the glossy r3-07 logo sits on its own midnight charcoal).
     Base #060B12 matches the r3-07 background (#060A13). Cards in the slate #2E3848 range. All text pairs checked for WCAG AA. */
  --bg:#060B12; --bg-alt:#0A1220; --surface:#1A2433; --surface-2:#2E3848; --surface-3:#232E3F;
  --ink:#F4F6FB; --text:#D5DBE6; --muted:#A7B0C2;
  --brand:#AEB6FF; --brand-bg:#343AA8; --accent:var(--guild-gold); --accent-2:#E59BE2; --purple-bg:var(--guild-purple); --line:#33405A;
  --up:#3DD68C; --down:#FF7A70; --flat:#A7B0C2;
  --tile-up:#1B7F50; --tile-down:#B23A32; --tile-flat:#56607A;
  --radius:14px; --shadow:0 10px 30px rgba(0,0,0,.45); --shadow-lg:0 24px 60px rgba(0,0,0,.6);
  --glow-blue:rgba(83,92,214,.30); --glow-purple:rgba(149,49,146,.26); --glow-brass:rgba(201,162,74,.20);

  /* charts (playground) */
  --chart-1:#8F9BFF; --chart-2:#E07FDC; --chart-3:var(--guild-gold); --chart-4:#7FD6E8;

  /* payment card — Brady can tweak these */
  --pc-bg:var(--surface); --pc-head-bg:linear-gradient(135deg,#262a82,#1A1F5E); --pc-head-ink:#ffffff; --pc-total-ink:var(--guild-gold);
  --pc-border:var(--line); --pc-radius:18px; --pc-pi:#8F9BFF; --pc-tax:#E07FDC;
  --pc-ins:var(--guild-gold); --pc-mi:#7FD6E8; --pc-hoa:#A7B0C2;

  /* logo sizes: BP (square r3-07) box height = 96% of Guild height, so Guild stays larger (height AND area). Keep < 1. */
  --logo-guild-h:64px; --logo-bp-ratio:.48; --logo-icon-ratio:.78;
  --ease:cubic-bezier(.2,.8,.2,1);
}
@media(max-width:640px){:root{--logo-guild-h:46px}}

*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--text);font:16px/1.6 Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;-webkit-font-smoothing:antialiased}
a{color:var(--brand)}a:hover{color:var(--accent-2)}
h1,h2,h3{color:var(--ink);font-weight:800;letter-spacing:-.01em;line-height:1.15;margin:0 0 .5em}
h1{font-size:clamp(2rem,6.5vw,3.4rem);color:var(--brand)}h2{font-size:clamp(1.55rem,4.2vw,2.3rem);color:var(--brand)}h3{font-size:1.12rem}
.eyebrow{color:var(--accent-2);text-transform:uppercase;letter-spacing:.18em;font-size:.74rem;font-weight:700;margin:0 0 .5rem}
.sub{color:var(--muted);max-width:62ch}.fine{color:var(--muted);font-size:.84rem}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}.narrow{max-width:860px}
.section{padding:64px 0}.section.alt{background:var(--bg-alt)}
.preview-bar{background:var(--guild-yellow);color:var(--guild-navy);text-align:center;font-size:.72rem;font-weight:800;letter-spacing:.1em;text-transform:uppercase;padding:4px}

/* logo lockup */
.lockup{display:inline-flex;align-items:center;gap:12px;text-decoration:none}
.lockup .lg-guild{height:var(--logo-guild-h);width:auto;display:block}
.lockup .lg-div{width:1px;align-self:stretch;background:var(--line);margin:4px 0}
.lockup .lg-bp{height:calc(var(--logo-guild-h) * var(--logo-bp-ratio));width:auto;display:block}
.lockup.sm{--logo-guild-h:40px;gap:8px}.lockup.xs{--logo-guild-h:30px;gap:7px}
.lockup .bp-icon{display:none}
@media(max-width:640px){.nav .lockup .bp-h{display:none}.nav .lockup .bp-icon{display:block}}

/* nav */
.nav{position:sticky;top:0;z-index:30;display:flex;align-items:center;gap:16px;padding:10px 20px;background:rgba(6,11,18,.82);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav .lockup{margin-right:auto}
.links{display:none;gap:20px}.links a{color:var(--brand);text-decoration:none;font-size:.92rem;font-weight:600}.links a:hover{color:var(--accent-2)}
@media(min-width:1040px){.links{display:flex}}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:0 22px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font:700 1rem Inter,sans-serif;transition:transform .15s var(--ease),box-shadow .15s,background .15s,color .15s}
.btn:active{transform:scale(.97)}
.btn-sm{min-height:40px;padding:0 16px;font-size:.9rem}
.btn-primary{background:var(--brand-bg);color:#fff}.btn-primary:hover{background:var(--guild-navy-logo);color:#fff;box-shadow:var(--shadow)}
.btn-accent{background:var(--accent);color:var(--guild-navy)}.btn-accent:hover{color:var(--guild-navy);box-shadow:0 8px 24px rgba(249,198,15,.4)}
.btn-purple{background:var(--purple-bg);color:#fff}.btn-purple:hover{color:#fff;filter:brightness(1.08)}
.btn-outline{border-color:var(--brand);color:var(--brand);background:var(--surface)}.btn-outline:hover{background:var(--bg-alt)}
.btn-ghost{color:var(--brand);background:transparent;border-color:var(--line)}

/* hero */
.hero{position:relative;overflow:hidden;background:transparent}
.hero:before{content:"";position:absolute;inset:auto -20% -40% auto;width:70vw;height:70vw;max-width:780px;max-height:780px;border-radius:50%;background:radial-gradient(circle,rgba(149,49,146,.10),transparent 60%);pointer-events:none}
.hero-inner{position:relative;max-width:1180px;margin:0 auto;padding:36px 20px 56px;display:grid;gap:28px;align-items:center}
/* hero lockup sizing: see .lk-hero (v4) */
.lede{font-size:1.08rem;max-width:54ch}
.cta-row{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 12px}.cta-row .btn{flex:1 1 150px}
.anytime-hero{margin:6px 0 0;font-weight:600}.anytime-hero a{font-weight:800}
.cc-note{color:var(--muted);font-size:.86rem;margin-top:12px;border-left:3px solid var(--accent);padding-left:10px}
.hero-photo{position:relative;justify-self:center;width:min(78vw,380px)}
.hero-photo img{width:100%;height:auto;border-radius:24px;box-shadow:var(--shadow-lg);display:block}
.hero-photo .badge{position:absolute;left:-10px;bottom:18px;background:var(--surface);border-radius:14px;padding:10px 14px;box-shadow:var(--shadow);font-size:.82rem;color:var(--brand);font-weight:700;line-height:1.3}
.hero-photo .badge b{display:block;color:var(--accent-2);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase}
@media(min-width:900px){.hero-inner{grid-template-columns:1.2fr .8fr;gap:56px;padding:64px 20px 88px}.cta-row .btn{flex:0 0 auto}}

/* motion: reveal (transform/opacity only) */
.reveal{opacity:0;transform:translateY(22px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.reveal.in{opacity:1;transform:none}
.stagger>*{opacity:0;transform:translateY(16px);transition:opacity .55s var(--ease),transform .55s var(--ease)}
.stagger.in>*{opacity:1;transform:none}
.stagger.in>*:nth-child(2){transition-delay:.06s}.stagger.in>*:nth-child(3){transition-delay:.12s}.stagger.in>*:nth-child(4){transition-delay:.18s}.stagger.in>*:nth-child(5){transition-delay:.24s}.stagger.in>*:nth-child(6){transition-delay:.3s}.stagger.in>*:nth-child(n+7){transition-delay:.36s}
.hero-in{opacity:0;transform:translateY(14px) scale(.98);animation:heroIn .9s var(--ease) forwards}
.hero-in.d1{animation-delay:.15s}.hero-in.d2{animation-delay:.3s}.hero-in.d3{animation-delay:.45s}.hero-in.d4{animation-delay:.6s}
@keyframes heroIn{to{opacity:1;transform:none}}
@media (prefers-reduced-motion:reduce){*,*:before,*:after{animation:none!important;transition:none!important;scroll-behavior:auto!important}.reveal,.stagger>*,.hero-in{opacity:1!important;transform:none!important}}

/* cards / grids */
.grid{display:grid;gap:14px}.programs{grid-template-columns:1fr;margin-top:24px}
@media(min-width:600px){.programs{grid-template-columns:1fr 1fr}}@media(min-width:1000px){.programs{grid-template-columns:repeat(3,1fr)}}
.card{display:block;text-decoration:none;color:var(--text);background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px 18px 14px;transition:transform .2s var(--ease),box-shadow .2s;box-shadow:0 1px 0 rgba(0,0,0,.02)}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);color:var(--text)}.card h3{color:var(--brand);margin-bottom:.3em}.card p{margin:0;font-size:.95rem}
.card .go{display:inline-block;margin-top:8px;color:var(--accent-2);font-weight:700;font-size:.85rem;transition:transform .2s var(--ease)}.card:hover .go{transform:translateX(4px)}

/* scoreboard */
.score{grid-template-columns:1fr;margin-top:22px}@media(min-width:620px){.score{grid-template-columns:1fr 1fr}}@media(min-width:1000px){.score{grid-template-columns:repeat(5,1fr)}}
.tile{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:16px;position:relative;overflow:hidden}
.tile:before{content:"";position:absolute;inset:0 auto 0 0;width:4px;background:var(--brand-bg)}
.tile.bonds{background:var(--brand-bg);color:#fff;border-color:var(--brand-bg)}.tile.bonds:before{background:var(--accent)}
.tile h3{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:var(--muted);margin:0 0 6px}.tile.bonds h3{color:#cfd2f5}
.tile .val{font-size:1.7rem;font-weight:800;color:var(--ink);font-variant-numeric:tabular-nums;line-height:1.1}.tile.bonds .val{color:#fff}
.tile .chg{font-weight:700;font-variant-numeric:tabular-nums;display:flex;align-items:center;gap:6px;margin-top:4px}
.tile .arrow{display:inline-block;transition:transform .6s var(--ease)}
.up{color:var(--up)}.down{color:var(--down)}.flat{color:var(--flat)}.tile.bonds .up,.tile.bonds .down,.tile.bonds .flat{color:var(--accent)}
.tile .src{font-size:.72rem;color:var(--muted);margin-top:8px;line-height:1.35}.tile.bonds .src{color:#cfd2f5}
.arrow.pop{animation:pop .7s var(--ease)}@keyframes pop{0%{transform:translateY(8px) scale(.6);opacity:0}100%{transform:none;opacity:1}}
.disclaim{margin-top:14px;font-size:.86rem;color:var(--brand);font-weight:600;background:var(--bg-alt);border-left:4px solid var(--accent);padding:10px 14px;border-radius:8px}

/* tools (playground etc.) */
.tabs{display:flex;gap:8px;overflow-x:auto;padding-bottom:4px;margin:18px 0}
.tabs button{flex:0 0 auto;border:2px solid var(--line);background:var(--surface);color:var(--brand);border-radius:999px;padding:9px 16px;font:700 .9rem Inter,sans-serif;cursor:pointer;min-height:42px;transition:background .2s,color .2s,border-color .2s}
.tabs button[aria-selected=true]{background:var(--brand-bg);color:#fff;border-color:var(--brand-bg)}
.tool{display:none}.tool.active{display:grid;gap:20px;animation:fadeUp .45s var(--ease)}
@keyframes fadeUp{from{opacity:0;transform:translateY(10px)}to{opacity:1;transform:none}}
@media(min-width:960px){.tool.active{grid-template-columns:minmax(300px,.9fr) 1.1fr;align-items:start}}
.panel{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:0 1px 0 rgba(0,0,0,.02)}
.field{display:grid;gap:4px;margin-bottom:14px}
.field label{display:flex;justify-content:space-between;gap:8px;font-size:.85rem;font-weight:700;color:var(--ink)}
.field output{color:var(--brand);font-variant-numeric:tabular-nums}
.field input[type=range]{width:100%;accent-color:var(--brand);height:32px}
.field input[type=text],.field input[type=number],.field select,.inp{width:100%;border:2px solid var(--line);border-radius:10px;padding:10px 12px;font:16px Inter,sans-serif;color:var(--ink);background:var(--surface);min-width:0}
.field input:focus,.field select:focus,.inp:focus{outline:none;border-color:var(--brand-bg)}
.rate-field input{border-color:var(--accent);background:var(--surface)df3}
.rate-field .hint{font-size:.78rem;color:var(--accent-2);font-weight:600}
.need-rate{display:grid;place-items:center;text-align:center;min-height:220px;color:var(--brand);font-weight:700;background:repeating-linear-gradient(45deg,var(--surface),var(--surface) 10px,var(--surface-3) 10px,var(--surface-3) 20px);border-radius:var(--radius);padding:20px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.big{font-size:2.3rem;font-weight:800;color:var(--brand);font-variant-numeric:tabular-nums;line-height:1}
.kv{display:grid;grid-template-columns:1fr auto;gap:4px 12px;font-size:.92rem;margin:10px 0}.kv dt{color:var(--muted)}.kv dd{margin:0;font-weight:700;color:var(--ink);text-align:right;font-variant-numeric:tabular-nums}
.chart{width:100%;height:auto;display:block}
.chart .grid-l{stroke:var(--line)}.chart text{font:11px Inter,sans-serif;fill:var(--muted)}
.legend{display:flex;flex-wrap:wrap;gap:6px 14px;font-size:.8rem;margin-top:8px}.legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px;vertical-align:-1px}
.donut-seg{transition:stroke-dasharray .8s var(--ease),stroke-dashoffset .8s var(--ease)}
.verdict{font-weight:700;color:var(--brand);background:var(--bg-alt);padding:10px 12px;border-radius:10px}

/* down payment help explorer */
.filters{display:flex;flex-wrap:wrap;gap:8px;margin:16px 0}
.filters button{border:2px solid var(--line);background:var(--surface);color:var(--brand);border-radius:999px;padding:7px 14px;font:700 .85rem Inter,sans-serif;cursor:pointer;min-height:38px}
.filters button[aria-pressed=true]{background:var(--purple-bg);border-color:var(--purple-bg);color:#fff}
.dpa{grid-template-columns:1fr}@media(min-width:760px){.dpa{grid-template-columns:repeat(3,1fr)}}
.dpa-card{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px;display:flex;flex-direction:column;gap:8px;transition:opacity .35s var(--ease),transform .35s var(--ease)}
.dpa-card.hide{display:none}
.dpa-card .status{align-self:flex-start;font-size:.74rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;border-radius:999px;padding:3px 10px;background:var(--bg-alt);color:var(--brand)}
.dpa-card .status.paused{background:var(--surface)4d1;color:#7a5a00}
.dpa-card ul{margin:0;padding-left:18px;font-size:.92rem}
.dpa-card .src{font-size:.78rem;color:var(--muted);margin-top:auto}
.tag{display:inline-block;font-size:.72rem;font-weight:700;color:var(--accent-2);background:rgba(229,155,226,.12);border-radius:6px;padding:2px 8px;margin:0 4px 4px 0}

/* checklist */
.checklist{list-style:none;padding:0;margin:20px 0;display:grid;gap:8px}
.checklist label{display:flex;gap:12px;align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:12px;padding:12px 14px;cursor:pointer;transition:background .25s,border-color .25s}
.checklist input{position:absolute;opacity:0;pointer-events:none}
.checklist .box{flex:0 0 22px;height:22px;border-radius:6px;border:2px solid var(--brand);display:grid;place-items:center;transition:background .25s,transform .25s var(--ease)}
.checklist .box svg{width:14px;height:14px;stroke:#fff;stroke-width:3;fill:none;stroke-dasharray:20;stroke-dashoffset:20;transition:stroke-dashoffset .35s var(--ease)}
.checklist input:checked+.box{background:var(--brand-bg);transform:scale(1.08)}
.checklist input:checked+.box svg{stroke-dashoffset:0}
.checklist input:checked~span{color:var(--muted);text-decoration:line-through}
.checklist input:focus-visible+.box{outline:3px solid var(--accent);outline-offset:2px}
.progress{height:10px;background:var(--line);border-radius:99px;overflow:hidden}.progress i{display:block;height:100%;width:100%;background:linear-gradient(90deg,var(--brand),var(--accent-2));transform-origin:left;transform:scaleX(0);transition:transform .5s var(--ease)}
.notice{background:var(--bg-alt);border:1px solid var(--line);border-radius:12px;padding:14px 16px;font-size:.95rem}

/* timeline */
.timeline{list-style:none;padding:0;margin:24px 0;display:grid;gap:0;position:relative}
.timeline:before{content:"";position:absolute;left:19px;top:8px;bottom:8px;width:3px;background:var(--line)}
.timeline .fill{position:absolute;left:19px;top:8px;width:3px;height:calc(100% - 16px);background:var(--purple-bg);transform-origin:top;transform:scaleY(0);transition:transform .6s var(--ease)}
.timeline li{position:relative;padding:6px 0 18px 56px;cursor:pointer}
.timeline li .dot{position:absolute;left:8px;top:6px;width:25px;height:25px;border-radius:50%;background:var(--surface);border:3px solid var(--line);display:grid;place-items:center;font-size:.7rem;font-weight:800;color:var(--muted);transition:background .3s,border-color .3s,color .3s,transform .3s var(--ease)}
.timeline li.done .dot{background:var(--purple-bg);border-color:var(--purple-bg);color:#fff}
.timeline li.cur .dot{transform:scale(1.2);background:var(--accent);border-color:var(--accent);color:var(--guild-navy)}
.timeline h3{margin:0;font-size:1rem}.timeline p{margin:.2em 0 0;font-size:.92rem;display:none}.timeline li.cur p{display:block;animation:fadeUp .35s var(--ease)}
.faq{background:var(--surface);border-left:4px solid var(--accent);border-radius:10px;padding:14px 16px;margin:18px 0;box-shadow:var(--shadow)}.faq h3{color:var(--brand);font-size:1.05rem}.faq p{margin:0}

/* team */
.team{grid-template-columns:1fr;margin-top:26px}@media(min-width:760px){.team{grid-template-columns:repeat(3,1fr)}}
.person{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:22px;text-align:center;transition:transform .25s var(--ease),box-shadow .25s}
.person:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.photo{width:150px;height:150px;object-fit:cover;object-position:50% 50%;border-radius:50%;border:4px solid var(--accent);display:block;margin:0 auto 14px}
.initials{display:flex;align-items:center;justify-content:center;background:var(--brand-bg);color:var(--accent);font-size:3rem;font-weight:800;letter-spacing:.04em}
.role{color:var(--accent-2);font-weight:700;margin:-.3em 0 .6em;font-size:.95rem}.what{font-size:.95rem}
.contact{list-style:none;padding:0;margin:10px 0 0;font-size:.92rem;line-height:1.9;word-break:break-word}
.anytime{color:var(--accent-2);font-weight:800;letter-spacing:.02em}

/* contact + footer */
.contact-grid{display:grid;gap:20px}@media(min-width:800px){.contact-grid{grid-template-columns:1.4fr 1fr;align-items:center}}
.contact-cta{display:flex;flex-wrap:wrap;gap:10px}.contact-cta .btn{flex:1 1 160px}
.footer{padding:40px 0 110px;background:#04080E;border-top:1px solid var(--line);color:var(--muted);font-size:.8rem}
.footer strong{color:var(--ink)}.eho{font-weight:800;color:var(--ink)}.footer .lockup{--logo-guild-h:80px;margin-bottom:12px}

/* chat (floating) */
.chat-fab{position:fixed;right:18px;bottom:18px;z-index:60;display:flex;align-items:center;gap:10px;background:var(--brand-bg);color:#fff;border:0;border-radius:999px;padding:12px 18px 12px 14px;font:800 .95rem Inter,sans-serif;box-shadow:var(--shadow-lg);cursor:pointer;transition:transform .25s var(--ease)}
.chat-fab:hover{transform:translateY(-2px) scale(1.03)}.chat-fab svg{width:24px;height:24px;fill:var(--accent)}
.chat-fab .pulse{position:absolute;inset:0;border-radius:999px;box-shadow:0 0 0 0 rgba(249,198,15,.6);animation:pulse 2.4s infinite}
@keyframes pulse{70%{box-shadow:0 0 0 14px rgba(249,198,15,0)}100%{box-shadow:0 0 0 0 rgba(249,198,15,0)}}
.chat-panel{position:fixed;z-index:70;right:18px;bottom:18px;width:min(440px,calc(100vw - 24px));height:min(720px,calc(100dvh - 36px));background:var(--surface);border:1px solid var(--line);border-radius:22px;box-shadow:var(--shadow-lg);display:flex;flex-direction:column;overflow:hidden;
  opacity:0;transform:translateY(24px) scale(.96);transform-origin:bottom right;pointer-events:none;transition:opacity .3s var(--ease),transform .3s var(--ease)}
.chat-panel.open{opacity:1;transform:none;pointer-events:auto}
@media(max-width:640px){.chat-panel{right:0;bottom:0;width:100vw;height:100dvh;border-radius:0}}
.chat-head{display:flex;align-items:center;gap:10px;padding:10px 12px;border-bottom:1px solid var(--line);background:var(--surface)}
.chat-head .lockup{margin-right:auto}.chat-head button{border:0;background:var(--bg-alt);color:var(--brand);width:40px;height:40px;border-radius:50%;font-size:1.3rem;cursor:pointer}
.chat-log{flex:1;overflow-y:auto;padding:14px;display:flex;flex-direction:column;gap:12px;background:var(--bg-alt)}
.msg{max-width:94%;padding:10px 14px;border-radius:16px;font-size:.95rem;line-height:1.55;overflow-wrap:anywhere;animation:fadeUp .3s var(--ease)}
.msg.user{align-self:flex-end;background:var(--brand-bg);color:#fff;border-bottom-right-radius:4px;white-space:pre-wrap}
.msg.bot{align-self:flex-start;background:var(--surface);border:1px solid var(--line);border-bottom-left-radius:4px;color:var(--text)}
.msg.bot p{margin:.4em 0}.msg.bot ul,.msg.bot ol{margin:.4em 0;padding-left:20px}.msg.bot table{border-collapse:collapse;margin:.5em 0;width:100%;font-size:.9rem}
.msg.bot td,.msg.bot th{border:1px solid var(--line);padding:5px 8px;text-align:left}.msg.bot blockquote{margin:.5em 0;padding:6px 10px;border-left:3px solid var(--accent);background:var(--surface)bea;border-radius:6px}
.msg.bot strong{color:var(--ink)}.msg.typing{color:var(--muted);font-style:italic}
.msg.card-msg{background:transparent;border:0;padding:0;max-width:100%;width:100%}
.chips{display:flex;gap:8px;overflow-x:auto;padding:8px 12px;border-top:1px solid var(--line)}
.chips button{flex:0 0 auto;background:var(--surface);color:var(--brand);border:2px solid var(--line);border-radius:999px;padding:6px 12px;font:700 .82rem Inter,sans-serif;cursor:pointer;min-height:36px}
.chips button:hover{border-color:var(--brand-bg)}
.ask{display:flex;gap:8px;padding:10px 12px;border-top:1px solid var(--line)}
.ask textarea{flex:1;resize:none;border:2px solid var(--line);border-radius:12px;padding:10px 12px;font:16px Inter,sans-serif;color:var(--ink)}
.ask textarea:focus{outline:none;border-color:var(--brand-bg)}
.chat-foot{margin:0;padding:6px 14px 10px;color:var(--muted);font-size:.72rem}
.calc{padding:12px;border-top:1px solid var(--line);background:var(--surface);max-height:50%;overflow-y:auto}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}@media(max-width:480px){.calc-grid{grid-template-columns:1fr}}
.calc label{display:flex;flex-direction:column;gap:4px;font-size:.8rem;color:var(--ink);font-weight:700}
.calc input,.calc select{border:2px solid var(--line);border-radius:8px;padding:8px 10px;font:16px Inter,sans-serif;min-width:0;color:var(--ink);background:var(--surface)}
.pair{display:flex;gap:6px}.pair input{flex:1}.pair select{flex:0 0 72px}.calc-actions{display:flex;gap:8px;margin-top:8px}

/* payment card (chat + playground) */
.pc-wrap{display:flex;gap:12px;overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:6px}
.pc{flex:0 0 min(100%,340px);scroll-snap-align:start;background:var(--pc-bg);border:1px solid var(--pc-border);border-radius:var(--pc-radius);overflow:hidden;box-shadow:var(--shadow);animation:fadeUp .4s var(--ease)}
.pc-head{background:var(--pc-head-bg);color:var(--pc-head-ink);padding:14px 16px 16px;position:relative}
.pc-head .lbl{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;opacity:.85;font-weight:700;padding-right:104px}
.pc-total{font-size:2.3rem;font-weight:800;color:var(--pc-total-ink);font-variant-numeric:tabular-nums;line-height:1.05}
.pc-total small{font-size:.9rem;color:var(--pc-head-ink);font-weight:600;opacity:.85}
.pc-head .tag2{position:absolute;right:12px;top:12px;font-size:.7rem;background:rgba(255,255,255,.14);border-radius:999px;padding:3px 9px;font-weight:700}
.pc-body{padding:14px 16px}
.pc-break{display:grid;grid-template-columns:96px 1fr;gap:12px;align-items:center}
.pc-legend{display:grid;gap:3px;font-size:.84rem}.pc-legend div{display:flex;justify-content:space-between;gap:8px}.pc-legend i{display:inline-block;width:10px;height:10px;border-radius:3px;margin-right:6px}
.pc-legend b{font-variant-numeric:tabular-nums;color:var(--ink)}
.pc .kv{font-size:.84rem}.pc .kv dd{font-size:.86rem}
.pc .rate-you{color:var(--accent-2)}
.pc-notes{font-size:.75rem;color:var(--muted);margin:8px 0 0;padding-left:16px}
.pc-disc{font-size:.72rem;color:var(--muted);border-top:1px solid var(--line);margin-top:10px;padding-top:8px}
.pc-cta{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-top:10px}.pc-cta .btn{min-height:42px;font-size:.84rem;padding:0 10px}
.pc-actions{display:flex;gap:8px;margin-top:8px}.pc-actions button{flex:1}
.pc-foot{display:flex;justify-content:center;padding:8px 0 12px}
.pc-cmp{background:var(--bg-alt);border-radius:12px;padding:10px;margin-top:10px;display:none}.pc-cmp.open{display:block;animation:fadeUp .3s var(--ease)}
.pc-cmp .row2{gap:8px}.pc-cmp label{font-size:.75rem;font-weight:700;color:var(--ink);display:grid;gap:3px}.pc-cmp input,.pc-cmp select{border:2px solid var(--line);border-radius:8px;padding:7px 8px;font:16px Inter,sans-serif;min-width:0;width:100%}

/* bond direction history (10 weekdays) */
.bh{margin-top:16px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:16px}
.bh-head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:8px}.bh-head h3{margin:0;font-size:.95rem;color:var(--brand)}
.bh-key{font-size:.75rem;color:var(--muted);display:flex;align-items:center;gap:6px}.bh-key i{width:10px;height:10px;border-radius:3px;display:inline-block;margin-left:6px}
.k-up,.bh-t.improving{background:var(--tile-up)}.k-down,.bh-t.worsening{background:var(--tile-down)}.k-flat,.bh-t.flat{background:var(--tile-flat)}
.bh-row{list-style:none;margin:12px 0 0;padding:0;display:grid;grid-template-columns:repeat(10,1fr);gap:6px}
.bh-t{position:relative;aspect-ratio:1/1.25;border-radius:10px;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#fff;font-weight:800;line-height:1.1;text-align:center;cursor:default;outline:none;
  opacity:0;transform:translateY(12px) scale(.9);transition:opacity .45s var(--ease),transform .45s var(--ease)}
.bh.in .bh-t{opacity:1;transform:none}
.bh-t .wd{font-size:.68rem;letter-spacing:.06em;text-transform:uppercase;opacity:.9}.bh-t .dt{font-size:.78rem}.bh-t .ar{font-size:1rem;margin-top:2px}
.bh-t.empty{background:var(--bg-alt);color:var(--guild-gray);border:1px dashed #4A5670}.bh.in .bh-t.empty{opacity:.75}
.bh-t.empty .nd{font-size:.55rem;font-weight:700;margin-top:2px}
.bh-t:hover,.bh-t:focus-visible{transform:translateY(-3px) scale(1.04)}
.bh-t.live:after{content:"";position:absolute;inset:-4px;border-radius:13px;border:2px solid var(--accent);animation:bhPulse 1.6s ease-in-out infinite}
@keyframes bhPulse{0%,100%{opacity:.25;transform:scale(.97)}50%{opacity:1;transform:scale(1.02)}}
.bh-t .tip{position:absolute;bottom:calc(100% + 8px);left:50%;transform:translateX(-50%) translateY(4px);background:var(--guild-ink);color:#fff;font-size:.72rem;font-weight:600;white-space:nowrap;padding:5px 9px;border-radius:7px;opacity:0;pointer-events:none;transition:opacity .2s,transform .2s;z-index:5}
.bh-t:hover .tip,.bh-t:focus-visible .tip{opacity:1;transform:translateX(-50%)}
.bh-row li:first-child .tip{left:0;transform:none}.bh-row li:last-child .tip{left:auto;right:0;transform:none}
@media(max-width:640px){.bh-row{grid-template-columns:repeat(5,1fr)}.bh-t{aspect-ratio:1/1}}
.bh.in .bh-t:nth-child(1){transition-delay:0.00s}.bh.in .bh-t:nth-child(2){transition-delay:0.05s}.bh.in .bh-t:nth-child(3){transition-delay:0.10s}.bh.in .bh-t:nth-child(4){transition-delay:0.15s}.bh.in .bh-t:nth-child(5){transition-delay:0.20s}.bh.in .bh-t:nth-child(6){transition-delay:0.25s}.bh.in .bh-t:nth-child(7){transition-delay:0.30s}.bh.in .bh-t:nth-child(8){transition-delay:0.35s}.bh.in .bh-t:nth-child(9){transition-delay:0.40s}.bh.in .bh-t:nth-child(10){transition-delay:0.45s}
.bh.in .bh-t:hover,.bh.in .bh-t:focus-visible{transition-delay:0s}

/* Castle Creek free refi callout */
.refi-callout{display:flex;gap:14px;align-items:center;margin:18px 0;padding:14px 16px;border-radius:var(--radius);background:var(--bg-alt);border:1px solid var(--line);border-left:5px solid var(--accent)}
.refi-badge{flex:none;background:var(--brand-bg);color:#fff;font-weight:800;font-size:.8rem;letter-spacing:.06em;padding:8px 10px;border-radius:8px}
.cc-note a{color:inherit;text-decoration:underline}

/* ---------- MBS tab, teaser, nav ---------- */
.nav-mbs{display:inline-flex;align-items:center;gap:6px}
.nav-mbs:before,.mbs-chip .live-dot{content:"";width:8px;height:8px;border-radius:50%;background:var(--up);display:inline-block}
.links a[aria-current="page"]{color:var(--accent-2);box-shadow:inset 0 -2px 0 var(--accent)}
.mbs-pill{display:inline-flex;align-items:center;min-height:36px;padding:0 12px;border-radius:999px;background:var(--brand-bg);color:#fff;font-weight:800;font-size:.85rem;letter-spacing:.06em;text-decoration:none}
.mbs-pill[aria-current="page"]{background:var(--accent);color:var(--guild-navy)}
.menu-btn{display:inline-flex;flex-direction:column;justify-content:center;gap:4px;width:44px;height:44px;padding:0 11px;border:1px solid var(--line);border-radius:10px;background:var(--surface);cursor:pointer}
.menu-btn span{height:2px;background:var(--brand-bg);border-radius:2px;transition:transform .2s,opacity .2s}
.menu-btn[aria-expanded="true"] span:nth-child(1){transform:translateY(6px) rotate(45deg)}.menu-btn[aria-expanded="true"] span:nth-child(2){opacity:0}.menu-btn[aria-expanded="true"] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}
.mmenu{position:absolute;top:100%;left:0;right:0;background:var(--surface);border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(0,0,0,.5);display:flex;flex-direction:column;padding:8px 20px 16px}
.mmenu[hidden]{display:none}
.mmenu a{padding:12px 4px;border-bottom:1px solid var(--line);color:var(--brand);font-weight:700;text-decoration:none}
@media(min-width:1040px){.menu-btn,.mmenu,.mbs-pill{display:none!important}}
@media(max-width:640px){.nav>.btn-sm{display:none}}
.mbs-chip{display:inline-flex;align-items:center;gap:8px;margin:14px 0 0;padding:8px 14px;border-radius:999px;background:var(--bg-alt);border:1px solid var(--line);color:var(--brand);font-weight:700;font-size:.9rem;text-decoration:none}
.mbs-chip:hover{border-color:var(--accent)}
.mbs-chip .live-dot{animation:bhPulse 1.6s ease-in-out infinite}
.mbs-teaser{padding-top:28px;padding-bottom:28px}
.teaser-card{display:flex;flex-wrap:wrap;gap:18px;justify-content:space-between;align-items:center;padding:20px;border-radius:var(--radius);background:var(--brand-bg);color:#fff;text-decoration:none;transition:transform .25s var(--ease)}
.teaser-card:hover{transform:translateY(-2px)}
.teaser-card .eyebrow{color:var(--accent)}.teaser-card h2{color:#fff;margin:.2em 0;font-size:1.35rem}.teaser-card .sub{color:#d9dcf7;margin:0;font-size:.9rem}
.teaser-r{display:flex;flex-wrap:wrap;align-items:center;gap:14px}
.teaser-ten small{display:block;color:#cfd2f5;font-size:.72rem;text-transform:uppercase;letter-spacing:.08em}.teaser-ten b{font-size:1.2rem;font-variant-numeric:tabular-nums}
.teaser-card .btn-primary{background:var(--accent);color:var(--guild-navy)}
.bh-row.mini{display:grid;grid-template-columns:repeat(10,14px);gap:4px;margin:0}
.bh-row.mini .bh-t{opacity:1;transform:none;aspect-ratio:auto;width:14px;height:22px;border-radius:4px;font-size:0;padding:0}
.bh-row.mini .bh-t>*{display:none}.bh-row.mini .bh-t.empty{background:rgba(255,255,255,.18);border:1px dashed rgba(255,255,255,.4)}
.bh-row.mini .bh-t.live:after{inset:-3px;border-radius:6px}
.page-tabs{display:flex;gap:6px;overflow-x:auto;margin:0 0 18px;padding-bottom:4px}
.page-tabs a{flex:none;padding:8px 14px;border-radius:999px;border:1px solid var(--line);color:var(--brand);font-weight:700;font-size:.88rem;text-decoration:none;background:var(--surface)}
.page-tabs a[aria-selected="true"]{background:var(--brand-bg);color:#fff;border-color:var(--brand-bg)}
.mbs-h{font-size:clamp(1.6rem,4vw,2.3rem);color:var(--brand);margin:.2em 0}
.note-card{margin-top:16px;background:var(--surface);border:1px solid var(--line);border-left:5px solid var(--accent);border-radius:var(--radius);padding:14px 16px}
.note-card h3{margin:0 0 4px;font-size:.95rem;color:var(--brand)}.note-card .note-body{margin:0}

/* trust strip + experience */
.trust{background:var(--surface);border-bottom:1px solid var(--line)}
.trust-row{display:grid;grid-template-columns:1fr 1fr;gap:14px;padding:18px 20px}@media(min-width:900px){.trust-row{grid-template-columns:repeat(4,1fr)}}
.trust-item b{display:block;color:var(--brand);font-size:1.15rem;font-variant-numeric:tabular-nums}.trust-item small{color:var(--muted);font-size:.8rem}
.since{margin:.1em 0;color:var(--accent-2);font-weight:700;font-size:.85rem}
.bq{margin:10px 0;padding:10px 14px;border-left:4px solid var(--accent);background:var(--bg-alt);border-radius:0 10px 10px 0;font-style:italic;color:var(--ink);font-size:.92rem}
.bq cite{display:block;margin-top:6px;font-style:normal;font-weight:700;color:var(--brand);font-size:.8rem}
/* documents how-to */
.docs-how{margin-top:16px;background:var(--surface);border:1px solid var(--line);border-radius:var(--radius);padding:18px}
.docs-how h3{margin:0 0 10px;color:var(--brand)}
.docs-primary{width:100%;justify-content:center}@media(min-width:640px){.docs-primary{width:auto}}
.docs-alt{margin:0 0 10px;padding-left:18px}.docs-alt li{margin:4px 0}
.docs-why{margin:8px 0}.docs-build{display:flex;gap:10px;align-items:center;margin:8px 0;padding:10px 12px;border-radius:10px;background:var(--bg-alt);border-left:4px solid var(--accent)}

/* chat avatar */
.chat-av img{width:34px;height:34px;border-radius:50%;object-fit:cover;border:2px solid var(--accent);display:block}
.hero-photo picture{display:block}

.gold-line{margin:8px 0;font-size:.9rem;color:var(--muted)}.gold-q{font-weight:700;color:var(--brand)}

/* =====================================================================
   DARK THEME extras (2026-11-04)
   ===================================================================== */
:root{color-scheme:dark}
body{background:var(--bg)}
h1,h2,.mbs-h{color:var(--ink)}
h1{text-shadow:0 2px 24px rgba(0,0,0,.5)}
.lockup .lg-pic{display:block;line-height:0;flex:none}
.lockup .lg-div{background:linear-gradient(180deg,transparent,rgba(249,198,15,.55),transparent)}
.btn-outline{background:transparent;border-color:var(--brand);color:var(--ink)}.btn-outline:hover{background:rgba(174,182,255,.12);color:var(--ink)}
.btn-ghost{color:var(--ink)}
.btn-accent{color:#14163F}.btn-accent:hover{color:#14163F;box-shadow:0 8px 28px rgba(249,198,15,.35)}
.btn-primary{box-shadow:inset 0 0 0 1px rgba(174,182,255,.35)}
.section.alt{background:rgba(10,18,32,.72)}
.trust{background:rgba(26,36,51,.72);border-top:1px solid var(--line)}
.card,.tile,.panel,.dpa-card,.person,.bh,.docs-how,.note-card,.faq,.checklist label{box-shadow:0 1px 0 rgba(255,255,255,.04) inset,0 10px 30px rgba(0,0,0,.35)}
.card:hover,.person:hover{border-color:#4A5878}
.ask textarea,.pc-cmp input,.pc-cmp select{background:var(--surface-3);color:var(--ink)}
.field input,.field select,.inp,.calc input,.calc select{background:var(--surface-3)!important;border-color:var(--line)}
.rate-field input{background:var(--surface-3)!important;border-color:var(--accent)}
.chat-panel{background:var(--surface)}
.chat-head{background:#0E1622}
.pc-head .tag2{color:#fff}
.timeline li .dot{background:var(--surface)}
.menu-btn{background:var(--surface)}
.mmenu{background:#0B1320}
.verdict,.disclaim,.refi-callout,.docs-build,.bq,.notice,.pc-cmp{background:var(--surface-3)}
.hero-photo img{box-shadow:0 30px 80px rgba(0,0,0,.6),0 0 0 1px rgba(174,182,255,.18)}
.hero-photo:before{content:"";position:absolute;inset:-12%;border-radius:50%;background:radial-gradient(circle,rgba(83,92,214,.28),transparent 65%);z-index:-1;pointer-events:none}
.hero-photo{isolation:isolate}
.hero:before{display:none}
.photo{box-shadow:0 0 0 6px rgba(249,198,15,.08)}
.bh-t.empty{background:#0F1828;color:var(--muted)}.bh.in .bh-t.empty{opacity:1}
::selection{background:rgba(249,198,15,.35);color:#fff}
a:focus-visible,button:focus-visible,.btn:focus-visible{outline:3px solid var(--accent);outline-offset:2px}

/* ---------- background motion layer (transform/opacity only) ---------- */
.bg-fx{position:fixed;inset:0;z-index:-1;overflow:hidden;pointer-events:none;contain:strict}
.bg-fx .glow{position:absolute;border-radius:50%;will-change:transform;opacity:.9}
.bg-fx .g1{width:70vmax;height:70vmax;right:-22vmax;top:-26vmax;background:radial-gradient(circle,var(--glow-blue),transparent 62%);animation:drift1 38s ease-in-out infinite alternate}
.bg-fx .g2{width:60vmax;height:60vmax;left:-24vmax;bottom:-30vmax;background:radial-gradient(circle,var(--glow-purple),transparent 62%);animation:drift2 46s ease-in-out infinite alternate}
.bg-fx .g3{width:46vmax;height:46vmax;left:38%;top:42%;background:radial-gradient(circle,var(--glow-brass),transparent 62%);animation:drift3 52s ease-in-out infinite alternate}
@keyframes drift1{to{transform:translate3d(-14vmax,12vmax,0) scale(1.12)}}
@keyframes drift2{to{transform:translate3d(16vmax,-10vmax,0) scale(1.1)}}
@keyframes drift3{to{transform:translate3d(-18vmax,-14vmax,0) scale(.9)}}
.bg-fx .grid{position:absolute;inset:-64px;opacity:.55;will-change:transform;
  background-image:linear-gradient(rgba(174,182,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(174,182,255,.045) 1px,transparent 1px),linear-gradient(rgba(174,182,255,.03) 1px,transparent 1px),linear-gradient(90deg,rgba(174,182,255,.03) 1px,transparent 1px);
  background-size:64px 64px,64px 64px,16px 16px,16px 16px;
  -webkit-mask-image:radial-gradient(ellipse at 50% 40%,#000 20%,transparent 75%);mask-image:radial-gradient(ellipse at 50% 40%,#000 20%,transparent 75%);
  animation:gridPan 40s linear infinite}
@keyframes gridPan{to{transform:translate3d(64px,64px,0)}}
.bg-fx .roofs{position:absolute;left:0;bottom:0;width:200%;height:min(30vh,240px);will-change:transform;opacity:.9;animation:roofPan 120s linear infinite}
.bg-fx .roofs svg{width:50%;height:100%;float:left}
@keyframes roofPan{to{transform:translate3d(-50%,0,0)}}
.bg-fx .shape{position:absolute;will-change:transform;opacity:.5}
.bg-fx .shape svg{display:block;width:100%;height:auto;animation:spinSlow 90s linear infinite}
@keyframes spinSlow{to{transform:rotate(360deg)}}
.bg-fx .pt{position:absolute;bottom:-10px;width:3px;height:3px;border-radius:50%;background:#F9D86A;box-shadow:0 0 8px 2px rgba(249,198,15,.35);opacity:0;will-change:transform,opacity;animation:rise var(--d,22s) linear var(--dl,0s) infinite}
.bg-fx .pt.b{background:#B9C0FF;box-shadow:0 0 8px 2px rgba(120,130,255,.35)}
@keyframes rise{0%{transform:translate3d(0,0,0);opacity:0}10%{opacity:var(--o,.55)}85%{opacity:var(--o,.55)}100%{transform:translate3d(var(--x,20px),-105vh,0);opacity:0}}
@media(max-width:640px){.bg-fx .g3{display:none}.bg-fx i.pt:nth-of-type(n+16){display:none}.bg-fx .grid{opacity:.4}}
@media (prefers-reduced-motion:reduce){.bg-fx .pt{opacity:.35;bottom:auto;top:var(--top,50%)}.bg-fx .roofs{width:100%}.bg-fx .roofs svg+svg{display:none}.bg-fx .roofs svg{width:100%}}

/* Affordability note (Brady) */
.aff-note{display:flex;gap:14px;align-items:flex-start;margin:16px 0 2px;padding:16px 18px;border-radius:var(--radius);background:linear-gradient(135deg,rgba(52,58,168,.30),rgba(149,49,146,.20));border:1px solid rgba(174,182,255,.35);border-left:5px solid var(--accent);color:var(--text);position:relative;overflow:hidden}
.aff-note h4{margin:0 0 6px;color:var(--ink);font-size:1.05rem;line-height:1.3}
.aff-note p{margin:0 0 12px;font-size:.95rem;line-height:1.55}
.aff-note .cta-row{margin:0;gap:10px}
.aff-note-ic{flex:none;display:grid;place-items:center;width:40px;height:40px;border-radius:12px;background:rgba(249,198,15,.14);color:var(--accent)}
.aff-note.tight{background:linear-gradient(135deg,rgba(249,198,15,.16),rgba(52,58,168,.32));border-color:rgba(249,198,15,.55);box-shadow:0 0 0 1px rgba(249,198,15,.25),0 10px 30px rgba(249,198,15,.12)}
.aff-note.tight h4{color:#FFE07A;font-size:1.15rem}
.aff-note.tight .aff-note-ic{background:var(--accent);color:#14163F}
.aff-note.tight:after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,transparent 30%,rgba(255,224,122,.10) 50%,transparent 70%);transform:translateX(-100%);animation:affSheen 4.5s ease-in-out 0.6s infinite;pointer-events:none}
@keyframes affSheen{0%{transform:translateX(-100%)}40%,100%{transform:translateX(100%)}}
@media (max-width:640px){.aff-note{padding:14px;gap:10px}.aff-note-ic{width:34px;height:34px}.aff-note .cta-row .btn{flex:1 1 100%;justify-content:center}}
@media (prefers-reduced-motion:reduce){.aff-note.tight:after{animation:none;display:none}}

/* ---------- Save as picture + Send my numbers to Brady & Aaron ---------- */
.export-row{margin-top:12px;padding-top:12px;border-top:1px dashed var(--line)}
.export-row .btn svg{vertical-align:-3px;margin-right:4px}
.send-dlg{width:min(640px,calc(100vw - 24px));max-height:calc(100dvh - 24px);overflow:auto;padding:0;border:1px solid var(--line);border-radius:18px;background:linear-gradient(160deg,#111a2b,#0A1220 60%);color:var(--text);box-shadow:var(--shadow-lg)}
.send-dlg::backdrop{background:rgba(3,6,12,.72);backdrop-filter:blur(3px)}
.send-dlg .sd-form,.send-dlg .sd-done{padding:22px 22px 18px;position:relative}
.send-dlg h3{color:var(--ink);font-size:1.3rem;margin:.2em 0 .3em}
.sd-x{position:absolute;top:10px;right:12px;width:36px;height:36px;border-radius:50%;border:1px solid var(--line);background:transparent;color:var(--ink);font-size:1.4rem;line-height:1;cursor:pointer}
.sd-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px 14px;margin-top:10px}.sd-wide{grid-column:1/-1}
.send-dlg .field label{display:flex;justify-content:space-between;gap:8px;font-weight:600;font-size:.9rem;color:var(--ink)}
.send-dlg input:not([type=checkbox]),.send-dlg textarea{width:100%;box-sizing:border-box;padding:10px 12px;border-radius:10px;border:1px solid var(--line);background:#0d1626;color:var(--ink);font:inherit}
.send-dlg input:focus-visible,.send-dlg textarea:focus-visible{outline:2px solid var(--accent);outline-offset:1px}
.send-dlg [aria-invalid=true]{border-color:#FF7A70!important;box-shadow:0 0 0 2px rgba(255,122,112,.25)}
.send-dlg .req{color:var(--accent);font-size:.74rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em}
.sd-consent{display:flex;gap:10px;align-items:flex-start;margin:14px 0 4px;font-size:.88rem;color:var(--text);background:rgba(255,255,255,.04);border:1px solid var(--line);border-radius:12px;padding:10px 12px}
.sd-consent input{margin-top:4px;width:18px;height:18px;accent-color:var(--accent);flex:none}
.sd-hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.sd-err{color:#FF9A92;font-weight:600;min-height:1.2em;margin:6px 0}
.sd-off{margin:8px 0 4px;padding:10px 12px;border-radius:12px;border:1px solid rgba(249,198,15,.45);background:rgba(249,198,15,.08);color:var(--ink);font-size:.92rem}
.send-dlg .sd-send:disabled{opacity:.5;cursor:not-allowed}
.sd-done{text-align:center}.sd-check{width:64px;height:64px;margin:6px auto 8px;border-radius:50%;display:grid;place-items:center;font-size:2rem;font-weight:800;color:#06210f;background:var(--up);box-shadow:0 0 0 8px rgba(61,214,140,.15)}
@media (max-width:560px){.sd-grid{grid-template-columns:1fr}.export-row .btn{flex:1 1 100%}}
.sd-status{border:1px solid var(--line);border-radius:12px;padding:10px 12px;margin:0;display:flex;flex-wrap:wrap;gap:8px 12px}
.sd-status legend{padding:0 6px;font-weight:600;font-size:.9rem;color:var(--ink)}
.sd-opt{flex:1 1 180px;display:flex;align-items:center;gap:10px;padding:10px 12px;border-radius:10px;border:1px solid var(--line);background:#0d1626;cursor:pointer;font-weight:600;color:var(--ink)}
.sd-opt input{width:18px;height:18px;accent-color:var(--accent);margin:0}
.sd-opt:has(input:checked){border-color:var(--accent);background:rgba(249,198,15,.10);box-shadow:0 0 0 1px var(--accent) inset}
.send-dlg .sd-status .sd-opt{justify-content:flex-start;font-size:1rem}
.send-dlg .sd-status .sd-opt input[type=radio]{width:18px!important;height:18px;flex:0 0 18px;padding:0;border:0;margin:0}
.send-dlg .sd-status .sd-opt span{flex:1;text-align:left}

/* ===== v4 BP logo = option D (flat full-colour dark horizontal, SVG). Guild stays larger in every placement:
   full D: height .48 x Guild, width ~.89 x Guild; icon (small placements): height .78, width ~.41. ===== */
.lockup{gap:calc(var(--logo-guild-h) * .2);align-items:center}
.lockup .lg-div{align-self:center;width:1px;height:calc(var(--logo-guild-h) * .74);margin:0;
  background:linear-gradient(180deg,rgba(198,163,114,0),rgba(198,163,114,.85) 30%,rgba(198,163,114,.85) 70%,rgba(198,163,114,0))}
.lockup .lg-bpw{position:relative;display:block;flex:none;line-height:0}
.lockup .lg-bp{display:block;width:auto;height:calc(var(--logo-guild-h) * var(--logo-bp-ratio))}
.lockup .lg-bp-full{transform:translateY(calc(var(--logo-guild-h) * .02))} /* optical: D's divider rule sits on Guild's x-height break */
.lockup .lg-bp-icon{display:none;height:calc(var(--logo-guild-h) * var(--logo-icon-ratio))}
.lockup.sm .lg-bp-full,.lockup.xs .lg-bp-full{display:none}
.lockup.sm .lg-bp-icon,.lockup.xs .lg-bp-icon{display:block}
.nav .lockup .lg-bp-full{display:none}.nav .lockup .lg-bp-icon{display:block} /* header: D's mark; the full wordmark would be ~7px type */
/* light sweep: a brass glint masked to the logo's own shape */
.lockup .lg-bpw:after{content:"";position:absolute;inset:0;pointer-events:none;-webkit-mask:url(/img/bp-d.svg) center/100% 100% no-repeat;mask:url(/img/bp-d.svg) center/100% 100% no-repeat;
  background:linear-gradient(105deg,transparent 44%,rgba(255,236,200,0) 45%,rgba(255,236,200,.95) 50%,rgba(255,236,200,0) 55%,transparent 56%) 0 0/300% 100% no-repeat;background-position:120% 0;opacity:0;transform:translateY(calc(var(--logo-guild-h) * .02))}
.lockup.sm .lg-bpw:after,.lockup.xs .lg-bpw:after{-webkit-mask-image:url(/img/bp-d-icon.svg);mask-image:url(/img/bp-d-icon.svg);transform:none}
.nav .lockup .lg-bpw:after{-webkit-mask-image:url(/img/bp-d-icon.svg);mask-image:url(/img/bp-d-icon.svg);transform:none}
@keyframes bpSweep{0%{background-position:120% 0;opacity:1}100%{background-position:-20% 0;opacity:1}}
.nav .lockup:hover .lg-bpw:after,.footer .lockup:hover .lg-bpw:after{animation:bpSweep 1.1s cubic-bezier(.4,0,.2,1) both}
/* hero: soft brass/blue halo + staged entrance */
.lk-hero{--logo-guild-h:150px;gap:30px;margin:-4px 0 18px;position:relative;isolation:isolate}
.lk-hero:before{content:"";position:absolute;z-index:-1;inset:-30% -12%;pointer-events:none;
  background:radial-gradient(42% 60% at 70% 52%,rgba(198,163,114,.24),transparent 70%),radial-gradient(50% 70% at 25% 50%,rgba(64,120,255,.18),transparent 70%);filter:blur(8px)}
.lk-hero .lg-bp-full{filter:drop-shadow(0 0 14px rgba(198,163,114,.22)) drop-shadow(0 2px 6px rgba(0,0,0,.45))}
.lk-hero .lg-guild{filter:drop-shadow(0 2px 6px rgba(0,0,0,.45))}
.lk-hero .lg-pic{animation:lkGuild .9s cubic-bezier(.2,.7,.2,1) .1s both}
.lk-hero .lg-div{transform-origin:50% 50%;animation:lkDiv .8s cubic-bezier(.2,.7,.2,1) .45s both}
.lk-hero .lg-bpw{animation:lkBP 1s cubic-bezier(.2,.7,.2,1) .6s both}
.lk-hero .lg-bpw:after{animation:bpSweep 1.4s cubic-bezier(.45,0,.2,1) 1.55s both}
.lk-hero:before{animation:lkGlow 1.6s ease-out .4s both}
@keyframes lkGuild{from{opacity:0;transform:translateX(-14px)}to{opacity:1;transform:none}}
@keyframes lkDiv{from{opacity:0;transform:scaleY(0)}to{opacity:1;transform:scaleY(1)}}
@keyframes lkBP{from{opacity:0;transform:translateX(16px);filter:blur(6px)}to{opacity:1;transform:none;filter:blur(0)}}
@keyframes lkGlow{from{opacity:0}to{opacity:1}}
@media(max-width:1100px) and (min-width:641px){.lk-hero{--logo-guild-h:120px;gap:24px}}
@media(max-width:640px){.lk-hero{--logo-guild-h:88px;gap:18px;margin:0 0 14px}.lk-hero .lg-bp-full{filter:drop-shadow(0 0 8px rgba(198,163,114,.22))}}
@media(max-width:360px){.lk-hero{--logo-guild-h:72px;gap:14px}}
@media (prefers-reduced-motion:reduce){.lockup .lg-bpw:after{display:none}}
/* ---------- v5: one-page navigation ---------- */
html{scroll-padding-top:calc(var(--nav-h,64px) + 8px)}
section[tabindex="-1"]:focus{outline:none}
.anchor-alias{position:absolute;width:0;height:0;overflow:hidden}
.mbs-sec{position:relative}
.links a{position:relative;transition:color .2s}
.links a:after{content:"";position:absolute;left:0;right:0;bottom:-6px;height:2px;border-radius:2px;background:linear-gradient(90deg,var(--accent),#C6A372);transform:scaleX(0);transform-origin:left;transition:transform .3s cubic-bezier(.2,.7,.2,1)}
.links a.active{color:var(--accent-2)}.links a.active:after{transform:scaleX(1)}
.links a[aria-current="page"]{box-shadow:none}
.mmenu a.active{color:var(--accent);box-shadow:inset 3px 0 0 var(--accent);padding-left:12px}
.mbs-pill.active{background:var(--accent);color:var(--guild-navy)}
/* lazy sections reserve roughly their final height so anchor jumps don't shift */
#pg-out:empty{min-height:258px}
#dpa-list:empty{min-height:1740px}@media(max-width:759px){#dpa-list:empty{min-height:3240px}}

/* v5: keep hidden bond-history tooltips from widening the phone layout */
.mbs-sec{overflow-x:clip}
@media(max-width:640px){.bh-row li:nth-child(5n+1) .tip{left:0;right:auto;transform:none}.bh-row li:nth-child(5n) .tip{left:auto;right:0;transform:none}}