/* ==========================================================================
   NCS / mynationsloan.com — Shared design system
   ========================================================================== */

:root {
  --color-navy: #003E7E;
  --color-navy-dark: #002a58;
  --color-red: #CA352F;
  --color-red-dark: #a52822;
  --color-white: #ffffff;
  --color-bg: #f7f9fb;
  --color-ink: #14213d;
  --color-text: #2b2f36;
  --color-muted: #5b6470;
  --color-border: #dfe5ec;
  --radius: 10px;
  --radius-lg: 16px;
  --shadow: 0 2px 10px rgba(20, 33, 61, 0.08);
  --shadow-lg: 0 12px 32px rgba(20, 33, 61, 0.14);
  --container: 1180px;
  --header-h: 92px;
  --font: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--header-h) + 12px); }

body {
  margin: 0;
  font-family: var(--font);
  color: var(--color-text);
  background: var(--color-white);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }
a { color: var(--color-navy); text-decoration: none; }
a:hover { text-decoration: underline; }

h1, h2, h3, h4 {
  color: var(--color-ink);
  line-height: 1.2;
  margin: 0 0 0.5em;
  font-weight: 800;
}
h1 { font-size: clamp(2rem, 4vw, 2.9rem); }
h2 { font-size: clamp(1.5rem, 3vw, 2.1rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1em; color: var(--color-text); }

.container {
  max-width: var(--container);
  margin: 0 auto;
  padding: 0 20px;
}

.visually-hidden {
  position: absolute; width: 1px; height: 1px; overflow: hidden;
  clip: rect(0,0,0,0); white-space: nowrap; border: 0; padding: 0; margin: -1px;
}

.skip-link {
  position: absolute; left: 8px; top: -48px; background: var(--color-navy); color: #fff;
  padding: 10px 16px; border-radius: 6px; z-index: 1000; transition: top .15s ease;
}
.skip-link:focus { top: 8px; }

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 13px 26px; border-radius: 999px; font-weight: 700; font-size: 0.98rem;
  border: 2px solid transparent; cursor: pointer; transition: transform .12s ease, background .15s ease, color .15s ease, border-color .15s ease;
  text-decoration: none; line-height: 1;
}
.btn:hover { transform: translateY(-1px); text-decoration: none; }
.btn-primary { background: var(--color-red); color: #fff; }
.btn-primary:hover { background: var(--color-red-dark); }
.btn-secondary { background: var(--color-navy); color: #fff; }
.btn-secondary:hover { background: var(--color-navy-dark); }
.btn-outline { background: transparent; color: var(--color-navy); border-color: var(--color-navy); }
.btn-outline:hover { background: var(--color-navy); color: #fff; }
.btn-block { width: 100%; }
.btn[disabled], .btn.is-disabled { opacity: .55; cursor: not-allowed; pointer-events: none; }

/* ---------- Header / Nav ---------- */
.site-header {
  position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.97);
  backdrop-filter: saturate(180%) blur(6px);
  border-bottom: 1px solid var(--color-border);
  height: var(--header-h);
}
.site-header .container {
  height: 100%; display: flex; align-items: center; justify-content: space-between; gap: 16px;
}
.brand { display: flex; align-items: center; gap: 10px; }
.brand img { height: 78px; width: auto; }

.nav-toggle {
  display: none; background: none; border: 2px solid var(--color-border); border-radius: 8px;
  width: 44px; height: 44px; align-items: center; justify-content: center; cursor: pointer;
}
.nav-toggle .bar { display: block; width: 22px; height: 2px; background: var(--color-ink); position: relative; }
.nav-toggle .bar::before, .nav-toggle .bar::after {
  content: ""; position: absolute; left: 0; width: 22px; height: 2px; background: var(--color-ink);
}
.nav-toggle .bar::before { top: -7px; }
.nav-toggle .bar::after { top: 7px; }

.main-nav ul {
  list-style: none; display: flex; gap: 6px; margin: 0; padding: 0; align-items: center;
}
.main-nav a {
  color: var(--color-ink); font-weight: 600; padding: 10px 14px; border-radius: 8px; display: block;
}
.main-nav a:hover, .main-nav a[aria-current="page"] { color: var(--color-navy); background: #eef3f9; text-decoration: none; }
.main-nav .nav-apply a { background: var(--color-red); color: #fff; padding: 10px 20px; border-radius: 999px; }
.main-nav .nav-apply a:hover { background: var(--color-red-dark); }

@media (max-width: 880px) {
  .nav-toggle { display: flex; }
  .main-nav {
    position: fixed; top: var(--header-h); left: 0; right: 0;
    height: calc(100vh - var(--header-h)); max-height: calc(100vh - var(--header-h));
    background: #fff; padding: 16px 20px;
    transform: translateY(-8px); opacity: 0; pointer-events: none; transition: opacity .15s ease, transform .15s ease;
    overflow-y: auto; border-top: 1px solid var(--color-border);
  }
  .main-nav.is-open { opacity: 1; transform: translateY(0); pointer-events: auto; }
  .main-nav ul { flex-direction: column; align-items: stretch; gap: 4px; }
  .main-nav .nav-apply { margin-top: 10px; }
  .main-nav .nav-apply a { text-align: center; }
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(160deg, var(--color-navy) 0%, var(--color-navy-dark) 100%);
  color: #fff; padding: 52px 0; position: relative; overflow: hidden;
}
.hero .container { position: relative; z-index: 1; }
.hero-inner { max-width: none; }

.hero-photo {
  background-size: 100% auto; background-position: top center; background-repeat: no-repeat;
  aspect-ratio: 1536 / 512; display: flex; align-items: center;
}
.hero-home {
  background-image: linear-gradient(rgba(0, 62, 126, .7), rgba(0, 62, 126, .7)), url("/assets/images/home-hero.webp");
}
.hero-photo .container { width: 100%; }
@media (max-width: 600px) {
  .hero-photo { aspect-ratio: auto; min-height: 320px; }
}
.hero h1 { color: #fff; }
.hero p.lede,
.page-hero p.lede {
  color: #dce6f2;
  font-size: 1.15rem;
  margin: 0 0 1em;
  max-width: none;
}
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 24px; }
.hero-actions-centered { justify-content: center; }
.text-accent { color: var(--color-red); }
.tagline-accent { color: var(--color-red); font-style: italic; }
.btn-on-white { background: #fff; }
.hero-badges { display: flex; flex-direction: column; gap: 10px; margin-top: 32px; color: #cfe0f3; font-size: 0.9rem; }
.hero-badges span { display: inline-flex; align-items: center; gap: 8px; }

.page-hero {
  background: var(--color-navy); color: #fff; padding: 52px 0;
  aspect-ratio: 1536 / 512; display: flex; align-items: center;
  position: relative; overflow: hidden;
}
.page-hero .container { width: 100%; }
.page-hero h1 { color: #fff; margin-bottom: 6px; }
.page-hero p { color: #dce6f2; margin: 0; max-width: 65ch; }

.page-hero.page-hero-compact {
  aspect-ratio: auto;
  min-height: 0 !important;
  padding: 44px 0;
}

.page-hero-photo {
  background-size: 100% auto; background-position: top center; background-repeat: no-repeat;
}
.hero-buying {
  background-image: linear-gradient(rgba(0, 62, 126, .7), rgba(0, 62, 126, .7)), url("/assets/images/buying-a-home-hero.webp");
}
.hero-calculators {
  background-image: linear-gradient(rgba(0, 62, 126, .7), rgba(0, 62, 126, .7)), url("/assets/images/calculator-hero-4.webp");
  background-position: center 24%;
}
.hero-contact {
  background-image: linear-gradient(rgba(0, 62, 126, .7), rgba(0, 62, 126, .7)), url("/assets/images/nations-building.webp");
  background-position: center 25%;
}
.hero-loan-officers {
  background-image: linear-gradient(rgba(0, 62, 126, .7), rgba(0, 62, 126, .7)), url("/assets/images/loan-officers-hero.webp");
  background-position: center top;
}
.hero-refinance {
  background-image: linear-gradient(rgba(0, 62, 126, .7), rgba(0, 62, 126, .7)), url("/assets/images/refinance-hero.webp");
  background-position: center 52%;
}
.hero-va {
  background-image: linear-gradient(rgba(0, 62, 126, .7), rgba(0, 62, 126, .7)), url("/assets/images/soldier-family.webp");
  background-position: center 45%;
}
@media (max-width: 600px) {
  .page-hero { aspect-ratio: auto !important; min-height: 320px; }
  .page-hero-photo .hero-photo-text { margin-left: 0; max-width: 100%; }
}

/* ---------- Sections ---------- */
section.block { padding: 56px 0; }
section.block.alt { background: var(--color-bg); }
section.block.block-navy { background: var(--color-navy); }
.section-head { max-width: 760px; margin-bottom: 32px; }
.section-head p { color: var(--color-muted); }
.section-head-centered { margin-left: auto; margin-right: auto; }
.legal-content-narrow { max-width: 820px; border-bottom: none; padding-bottom: 0; }
.no-divider { border-bottom: none; }
.legal-disclaimer { color: var(--color-muted); font-size: .85rem; }

/* ---------- Grids / Cards ---------- */
.grid {
  display: grid; gap: 22px;
  grid-template-columns: repeat(auto-fit, minmax(230px, 1fr));
}
.grid.cols-3 { grid-template-columns: repeat(3, 1fr); }
.grid.cols-4 { grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); }
@media (max-width: 880px) { .grid.cols-3 { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .grid.cols-3 { grid-template-columns: 1fr; } }

.card {
  background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  padding: 26px; box-shadow: var(--shadow);
}
.card h3 { margin-bottom: 8px; }
.card .icon {
  width: 48px; height: 48px; border-radius: 12px; background: #eef3f9; color: var(--color-navy);
  display: flex; align-items: center; justify-content: center; margin-bottom: 14px;
}
.card .icon svg { width: 26px; height: 26px; }

.card-info {
  background: #eef3fb; border: 1px solid #cbdcf2; text-align: center;
}
.card-info .icon { margin-left: auto; margin-right: auto; }
.card-info .pill-list { text-align: left; }
.home-info-grid .card-info { padding: 13px 26px; }
.home-info-grid .card-info h3 { margin-bottom: 4px; }
.home-info-grid .card-info .pill { padding-top: 2px; padding-bottom: 2px; }

.card-highlight {
  background: var(--color-red); border-color: var(--color-red-dark);
}
.card-highlight h3, .card-highlight p { color: #fff; }
.card-highlight .btn-outline { color: #fff; border-color: #fff; }
.card-highlight .btn-outline:hover { background: #fff; color: var(--color-red); }

.pill-list { display: flex; flex-direction: column; }
.pill {
  display: flex; align-items: center; gap: 10px;
  color: var(--color-text); font-weight: 500; font-size: 0.95rem;
  padding: 4px 0;
}
.pill::before {
  content: ""; width: 6px; height: 6px; border-radius: 50%; background: var(--color-navy); flex-shrink: 0;
}

/* ---------- Informational content blocks (narrative loan program/rate/property info) ---------- */
.info-block {
  padding-bottom: 32px; margin-bottom: 32px; border-bottom: 1px solid var(--color-border);
}
.info-block:last-child { border-bottom: none; margin-bottom: 0; padding-bottom: 0; }
.info-block h3 {
  display: inline-block; font-size: 1.6rem; padding-bottom: 8px; margin-bottom: 16px;
  border-bottom: 3px solid var(--color-red);
}
.info-block > p { color: var(--color-muted); margin-bottom: 6px; }
.info-list { list-style: none; margin: 0; padding: 0; }
.info-list li {
  padding: 12px 0; border-bottom: 1px solid var(--color-border); color: var(--color-text); line-height: 1.55;
}
.info-list li:last-child { border-bottom: none; }
.info-list li strong { color: var(--color-navy); }

/* ---------- Officer directory ---------- */
.officer-card {
  background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  overflow: hidden; box-shadow: var(--shadow); display: flex; flex-direction: column; text-align: center;
  transition: box-shadow .15s ease, transform .15s ease;
}
.officer-card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
.officer-card a.officer-link { color: inherit; text-decoration: none; display: flex; flex-direction: column; flex: 1; }
.officer-card .photo-wrap { aspect-ratio: 1 / 1; overflow: hidden; background: #e7edf3; }
.officer-card .photo-wrap img { width: 100%; height: 100%; object-fit: cover; }
.officer-card[data-name="crystal bonavito"] .photo-wrap img,
.officer-card[data-name="mari dean"] .photo-wrap img,
.officer-card[data-name="glenn fernstrom"] .photo-wrap img,
.officer-profile .photo img[alt="Crystal Bonavito"],
.officer-profile .photo img[alt="Mari Dean"],
.officer-profile .photo img[alt="Glenn Fernstrom"] { object-position: center top; }
.officer-card[data-name="mari dean"] .photo-wrap img,
.officer-card[data-name="glenn fernstrom"] .photo-wrap img {
  object-fit: contain; background: #fff;
}
.officer-profile .photo img[alt="Mari Dean"],
.officer-profile .photo img[alt="Glenn Fernstrom"] {
  object-fit: contain; background: #fff;
}
.officer-card[data-name="dallin yates"] .photo-wrap img,
.officer-profile .photo img[alt="Dallin Yates"] {
  transform: scale(1.28);
  transform-origin: center top;
}
.officer-card .body { padding: 18px 16px 22px; flex: 1; display: flex; flex-direction: column; }
.officer-card h3 { margin-bottom: 4px; }
.officer-card .role { color: var(--color-muted); font-size: 0.9rem; margin-bottom: 12px; }
.officer-card .view-btn {
  margin-top: auto; font-weight: 700; color: var(--color-navy); font-size: 0.92rem;
}

.officer-filter {
  display: flex; gap: 10px; margin-bottom: 28px; flex-wrap: wrap; align-items: center;
}
.officer-filter input {
  flex: 1; min-width: 220px; padding: 12px 16px; border-radius: 999px; border: 1px solid var(--color-border);
  font-size: 1rem;
}
.officer-empty { display: none; color: var(--color-muted); text-align: center; margin-top: 24px; }

/* ---------- Officer profile page ---------- */
.officer-profile {
  display: grid; grid-template-columns: 260px 1fr; gap: 40px; align-items: start;
}
.officer-profile .photo {
  border-radius: var(--radius-lg); overflow: hidden; box-shadow: var(--shadow); background: #e7edf3;
  aspect-ratio: 1/1;
}
.officer-profile .photo img { width: 100%; height: 100%; object-fit: cover; }
.officer-profile .profile-role { color: var(--color-muted); margin-top: -8px; }
.officer-profile .meta-list { list-style: none; margin: 18px 0; padding: 0; }
.officer-profile .meta-list li {
  display: flex; gap: 10px; align-items: baseline; padding: 8px 0; border-bottom: 1px solid var(--color-border);
  font-size: 0.98rem;
}
.officer-profile .meta-list li strong { color: var(--color-muted); font-weight: 600; min-width: 90px; }
.officer-profile .actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 20px; }
.back-link { display: inline-block; margin-bottom: 20px; font-weight: 600; }

@media (max-width: 720px) {
  .officer-profile { grid-template-columns: 1fr; }
  .officer-profile .photo { max-width: 240px; margin: 0 auto; }
}

/* ---------- FAQ / Accordion ---------- */
.faq { border-top: 1px solid var(--color-border); }
.faq-item { border-bottom: 1px solid var(--color-border); }
.faq-q {
  width: 100%; text-align: left; background: none; border: 0; padding: 20px 4px; font-weight: 700;
  font-size: 1.02rem; color: var(--color-ink); cursor: pointer; display: flex; justify-content: space-between;
  align-items: center; gap: 16px;
}
.faq-q .chev { transition: transform .18s ease; flex-shrink: 0; color: var(--color-navy); }
.faq-item.is-open .faq-q .chev { transform: rotate(180deg); }
.faq-a {
  max-height: 0; overflow: hidden; transition: max-height .22s ease;
}
.faq-a-inner { padding: 0 4px 20px; color: var(--color-muted); }
.faq-item.is-open .faq-a { max-height: 800px; }

.faq-accent { position: relative; }
.faq-accent::before, .faq-accent::after {
  content: ""; position: absolute; top: 0; bottom: 0; width: 10px; background: var(--color-red);
}
.faq-accent::before { left: 0; }
.faq-accent::after { right: 0; }
.faq-accent .section-head h2 { color: var(--color-red); }
.faq-accent .faq { border-top-color: var(--color-red); }
.faq-accent .faq-item { border-bottom-color: var(--color-red); }

/* ---------- Calculators ---------- */
.calc-grid { display: grid; gap: 20px; grid-template-columns: repeat(3, 1fr); margin-bottom: 40px; }
@media (max-width: 880px) { .calc-grid { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .calc-grid { grid-template-columns: 1fr; } }
.calc-launch {
  background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: 24px;
  text-align: left; cursor: pointer; box-shadow: var(--shadow); width: 100%;
}
.calc-launch:hover { box-shadow: var(--shadow-lg); }
.calc-launch .icon { width: 46px; height: 46px; border-radius: 12px; background: #eef3f9; color: var(--color-navy); display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
.calc-launch .icon svg { width: 24px; height: 24px; }
.calc-launch h3 { margin-bottom: 6px; font-size: 1.08rem; }
.calc-launch p { margin: 0; color: var(--color-muted); font-size: 0.92rem; }

.calculator {
  display: none; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: 30px;
  margin-bottom: 26px; background: #fff; box-shadow: var(--shadow); scroll-margin-top: calc(var(--header-h) + 20px);
}
.calculator.is-active { display: block; }
.calculator-head { display: flex; justify-content: space-between; align-items: flex-start; gap: 16px; margin-bottom: 18px; }
.calc-close {
  background: var(--color-bg); border: 1px solid var(--color-border); border-radius: 999px; width: 34px; height: 34px;
  cursor: pointer; font-size: 1rem; line-height: 1; flex-shrink: 0;
}
.calc-body { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
@media (max-width: 720px) { .calc-body { grid-template-columns: 1fr; } }

.field { margin-bottom: 16px; }
.field label { display: block; font-weight: 600; margin-bottom: 6px; font-size: 0.92rem; color: var(--color-ink); }
.field input, .field select {
  width: 100%; padding: 11px 14px; border-radius: 8px; border: 1px solid var(--color-border); font-size: 1rem;
  font-family: var(--font);
}
.field .hint { font-size: 0.82rem; color: var(--color-muted); margin-top: 4px; }
.debt-row { display: grid; grid-template-columns: 1fr 1fr auto; gap: 10px; align-items: end; margin-bottom: 10px; }
.debt-row .remove-row { background: none; border: 1px solid var(--color-border); border-radius: 8px; height: 44px; width: 44px; cursor: pointer; color: var(--color-red); }
.add-row-btn { background: none; border: 1px dashed var(--color-border); border-radius: 8px; padding: 10px 16px; cursor: pointer; color: var(--color-navy); font-weight: 600; width: 100%; }

.calc-results {
  background: var(--color-bg); border-radius: var(--radius); padding: 22px;
}
.calc-results .result-row {
  display: flex; justify-content: space-between; gap: 10px; padding: 10px 0; border-bottom: 1px solid var(--color-border);
}
.calc-results .result-row:last-child { border-bottom: 0; }
.calc-results .result-row .label { color: var(--color-muted); }
.calc-results .result-row .value { font-weight: 800; color: var(--color-navy); font-size: 1.1rem; }
.calc-results .result-row.headline .value { color: var(--color-red); font-size: 1.4rem; }
.calc-results .result-row.headline .result-value-compact { font-size: 1rem; text-align: right; }
.calculator-disclaimer { color: var(--color-muted); font-size: .85rem; }

/* ---------- Forms (contact) ---------- */
.form-card { max-width: 640px; background: #fff; border: 1px solid var(--color-border); border-radius: var(--radius-lg); padding: 32px; box-shadow: var(--shadow); }
.form-error { display: block; color: var(--color-red-dark); margin-top: 6px; font-size: 0.9rem; }
.contact-alt { display: flex; flex-direction: column; gap: 10px; color: var(--color-muted); }
.contact-grid { grid-template-columns: 1.3fr 1fr; align-items: start; }
.field textarea {
  width: 100%; padding: 11px 14px; border-radius: 8px; border: 1px solid var(--color-border);
  font-family: inherit; font-size: 1rem;
}
@media (max-width: 720px) {
  .contact-grid { grid-template-columns: 1fr; }
}

/* ---------- Footer ---------- */
.site-footer { background: var(--color-ink); color: #cbd5e3; padding: 48px 0 24px; margin-top: 40px; }
.footer-top { display: grid; grid-template-columns: 1.4fr repeat(4, 1fr); gap: 28px; margin-bottom: 32px; }
.footer-top h4 { color: #fff; font-size: 0.95rem; letter-spacing: .03em; text-transform: uppercase; margin-bottom: 14px; }
.footer-top ul { list-style: none; margin: 0; padding: 0; }
.footer-top li { margin-bottom: 8px; }
.footer-top a { color: #cbd5e3; }
.footer-top a:hover { color: #fff; }
.footer-brand img {
  width: 83px; max-width: 100%; height: auto; margin-bottom: 12px; filter: none;
  border-radius: 6px;
}
.footer-brand p { color: #9fb0c3; font-size: 0.9rem; max-width: 40ch; }

.compliance {
  border-top: 1px solid rgba(255,255,255,.12); padding-top: 22px; font-size: 0.82rem; color: #9fb0c3;
}
.compliance .eho-line { display: flex; align-items: center; gap: 10px; margin-bottom: 12px; color: #dbe4ee; }
.compliance .eho-line img {
  width: 52px; height: 52px; object-fit: cover; border-radius: 3px; flex-shrink: 0;
}
.compliance p { color: #9fb0c3; margin-bottom: 10px; }
.footer-fineprint { font-size: 0.78rem; line-height: 1.6; color: #8ea0b6; }
.footer-fineprint a { color: #b9cbe0; }
.footer-fineprint em { font-style: italic; color: #e7b3af; }

@media (max-width: 860px) {
  .footer-top { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 520px) {
  .footer-top { grid-template-columns: 1fr; }
}

/* ---------- Compliance / state licensing page ---------- */
.compliance-notice {
  background: #fdecea; border: 1px solid #f3b9b5; border-left: 5px solid var(--color-red);
  border-radius: 8px; padding: 18px 22px; margin-bottom: 32px; color: var(--color-ink);
}
.compliance-notice strong { color: var(--color-red-dark); }
.compliance-notice p:last-child { margin-bottom: 0; }

.doc-section { margin-bottom: 40px; padding-bottom: 32px; border-bottom: 1px solid var(--color-border); }
.doc-section:last-child { border-bottom: none; }
.doc-section h2 { font-size: 1.4rem; margin-bottom: 14px; }

.company-info-list { list-style: none; margin: 0; padding: 0; }
.company-info-list li {
  display: flex; gap: 10px; padding: 9px 0; border-bottom: 1px solid var(--color-border); font-size: 0.98rem;
}
.company-info-list li:last-child { border-bottom: none; }
.company-info-list li strong { min-width: 200px; flex-shrink: 0; color: var(--color-muted); font-weight: 600; }

.disclosure-fields { list-style: none; margin: 0; padding: 0; }
.disclosure-fields li {
  padding: 8px 0; border-bottom: 1px solid var(--color-border); font-size: 0.95rem; line-height: 1.5;
}
.disclosure-fields li:last-child { border-bottom: none; }
.disclosure-fields li strong { display: block; color: var(--color-ink); margin-bottom: 2px; }
.placeholder-text { color: var(--color-red-dark); font-style: italic; }

.state-index {
  columns: 3 180px; column-gap: 24px; margin: 0 0 8px; padding: 0; list-style: none;
}
.state-index li { break-inside: avoid; margin-bottom: 6px; }
.state-index a { font-weight: 600; }
@media (max-width: 720px) { .state-index { columns: 2 140px; } }

.licensing-document-bg { background: #edf1f5; }
.licensing-content {
  max-width: 1080px; padding: clamp(24px, 4vw, 52px);
  background: #fff; border: 1px solid #cbd3dd; box-shadow: 0 12px 34px rgba(18, 36, 59, .12);
}
.licensing-intro { margin-bottom: 24px; }
.licensing-intro h2 { margin-bottom: 8px; font-size: clamp(1.45rem, 2.5vw, 2rem); }
.licensing-intro p { max-width: 760px; margin-bottom: 0; color: var(--color-muted); }
.license-table-wrap { overflow-x: auto; border: 1px solid #aeb8c5; }
.license-table { width: 100%; min-width: 680px; border-collapse: collapse; table-layout: fixed; }
.license-table th,
.license-table td { padding: 15px 18px; border-bottom: 1px solid #cbd3dd; text-align: left; vertical-align: top; }
.license-table thead th {
  background: var(--color-navy); color: #fff; font-size: .84rem;
  letter-spacing: .06em; text-transform: uppercase;
}
.license-table thead th:first-child { width: 29%; }
.license-table tbody th {
  background: #e8eef5; color: var(--color-navy); font-weight: 700;
  border-right: 1px solid #cbd3dd;
}
.license-table tbody tr:nth-child(even) td { background: #f8fafc; }
.license-table tbody tr:last-child th,
.license-table tbody tr:last-child td { border-bottom: none; }
.license-table td strong,
.license-table td > span:not(.license-status) { display: block; }
.license-table td strong { margin: 6px 0 2px; color: var(--color-ink); }
.license-table td > span:not(.license-status) { color: var(--color-muted); font-size: .92rem; }
.license-table td .license-note { margin-top: 9px; line-height: 1.55; }
.license-status {
  display: inline-block; padding: 3px 8px; border-radius: 999px;
  font-size: .72rem; font-weight: 700; letter-spacing: .03em; text-transform: uppercase;
}
.license-status.is-licensed { background: #dcefe4; color: #17603a; }
.license-status.is-not-licensed { background: #e5e7eb; color: #4b5563; }
.licensing-source-note { margin: 20px 0 0; font-size: .9rem; color: var(--color-muted); }

@media (max-width: 720px) {
  .licensing-content { padding: 20px 14px 30px; }
  .license-table th,
  .license-table td { padding: 13px 14px; }
}

/* ---------- Privacy notice ---------- */
.privacy-document-bg { background: #edf1f5; }
.privacy-content {
  max-width: 1080px; padding: clamp(28px, 5vw, 68px);
  background: #fff; border: 1px solid #cbd3dd; box-shadow: 0 12px 34px rgba(18, 36, 59, .12);
  font-family: Arial, Helvetica, sans-serif; color: #111827;
}
.privacy-content p,
.privacy-content li,
.privacy-content td,
.privacy-content dd { font-family: Arial, Helvetica, sans-serif; color: #111827; }
.privacy-facts-heading {
  display: grid; grid-template-columns: 21.4% 78.6%; align-items: stretch;
  margin-bottom: 12px; border: 1px solid #aeb8c5;
}
.privacy-facts-heading > span {
  display: flex; align-items: center; justify-content: center;
  padding: 18px; background: #1b365d; color: #fff;
  font: 700 1.85rem/1 Arial, Helvetica, sans-serif; letter-spacing: .03em; text-transform: uppercase;
}
.privacy-facts-heading h2 {
  display: flex; flex-direction: column; justify-content: center; gap: 3px;
  margin: 0; padding: 18px 22px; background: #f0f4f8; color: #1b365d;
  font: 700 .95rem/1.35 Arial, Helvetica, sans-serif;
}
.privacy-overview { border: 1px solid #aeb8c5; border-bottom: none; }
.privacy-overview article {
  display: grid; grid-template-columns: 17.1% 82.9%; align-items: stretch;
  padding: 0; border-bottom: 1px solid #aeb8c5; background: #fff;
}
.privacy-overview h2 {
  grid-column: 1; grid-row: 1 / span 10; margin: 0; padding: 16px 14px;
  border-right: 1px solid #aeb8c5; background: #e6ecf5; color: #1b365d;
  font: 700 .95rem/1.35 Arial, Helvetica, sans-serif;
}
.privacy-overview article > p {
  grid-column: 2; margin: 0; padding: 15px 18px;
  font-size: .86rem; line-height: 1.55;
}
.privacy-overview ul,
.privacy-qa ul { margin: -8px 0 13px; padding: 0 22px 0 40px; }
.privacy-overview ul { grid-column: 2; margin: -6px 0 13px; padding: 0 20px 0 40px; }
.privacy-overview li,
.privacy-qa li { margin-bottom: 4px; font-size: .84rem; line-height: 1.45; }

.privacy-section { margin-top: 18px; }
.privacy-section > h2 {
  margin: 0; padding: 10px 14px; background: #1b365d; color: #fff;
  font: 700 .95rem/1.35 Arial, Helvetica, sans-serif;
}
.privacy-table-wrap {
  overflow-x: auto; border: 1px solid #aeb8c5; border-top: none;
}
.privacy-table {
  width: 100%; min-width: 760px; border-collapse: collapse; background: #fff;
}
.privacy-table th,
.privacy-table td {
  padding: 12px 14px; border-right: 1px solid #c7ced8;
  text-align: left; vertical-align: top; font-size: .81rem; line-height: 1.45;
}
.privacy-table th {
  padding: 12px 14px; border-right: 1px solid #8d9bad;
  text-align: left; vertical-align: middle;
}
.privacy-table th:last-child,
.privacy-table td:last-child { border-right: none; }
.privacy-table thead th { background: #1b365d; color: #fff; font: 700 .82rem/1.35 Arial, Helvetica, sans-serif; }
.privacy-table tbody tr { border-bottom: 1px solid #c7ced8; }
.privacy-table tbody tr:last-child { border-bottom: none; }
.privacy-table tbody tr:nth-child(odd) { background: #f9fafc; }
.privacy-table tbody tr:nth-child(even) { background: #fff; }
.privacy-table th:first-child,
.privacy-table td:first-child { width: 57.1%; }
.privacy-table th:not(:first-child),
.privacy-table td:not(:first-child) { width: 21.4%; text-align: center; font-weight: 400; }
.privacy-visually-hidden {
  position: absolute !important; width: 1px !important; height: 1px !important;
  padding: 0 !important; margin: -1px !important; overflow: hidden !important;
  clip: rect(0, 0, 0, 0) !important; white-space: nowrap !important; border: 0 !important;
}
.privacy-contact {
  margin: 0; padding: 12px 14px; border: 1px solid #aeb8c5; border-top: none;
  background: #fff; font: 400 .86rem/1.4 Arial, Helvetica, sans-serif;
}
.privacy-qa { border: 1px solid #aeb8c5; border-top: none; }
.privacy-qa article {
  display: grid; grid-template-columns: 31.4% 68.6%; gap: 0;
  padding: 0; border-bottom: 1px solid #aeb8c5;
}
.privacy-qa article:last-child { border-bottom: none; }
.privacy-qa h3 {
  margin: 0; padding: 15px 14px; border-right: 1px solid #aeb8c5;
  background: #e6ecf5; color: #1b365d;
  font: 700 .84rem/1.4 Arial, Helvetica, sans-serif;
}
.privacy-qa article > p,
.privacy-qa article > div { margin: 0; padding: 15px 18px; font-size: .81rem; line-height: 1.5; }
.privacy-qa article > div p { margin-bottom: 12px; font-size: .81rem; line-height: 1.5; }
.privacy-qa p:last-child,
.privacy-qa ul:last-child { margin-bottom: 0; }
.privacy-definitions { margin: 0; border: 1px solid #aeb8c5; border-top: none; }
.privacy-definitions > div {
  display: grid; grid-template-columns: 31.4% 68.6%; gap: 0;
  padding: 0; border-bottom: 1px solid #aeb8c5;
}
.privacy-definitions > div:last-child { border-bottom: none; }
.privacy-definitions dt {
  padding: 15px 14px; border-right: 1px solid #aeb8c5;
  background: #e6ecf5; color: #1b365d;
  font: 700 .84rem/1.4 Arial, Helvetica, sans-serif;
}
.privacy-definitions dd { margin: 0; padding: 15px 18px; font-size: .81rem; line-height: 1.5; }
.privacy-definitions dd strong { display: inline-block; margin-top: 7px; color: #111827; font-weight: 400; }
@media (max-width: 780px) {
  .privacy-content { padding: 20px; }
  .privacy-facts-heading { grid-template-columns: 28% 72%; }
  .privacy-facts-heading > span { padding: 14px 10px; font-size: 1.25rem; }
  .privacy-facts-heading h2 { padding: 14px; font-size: .78rem; }
  .privacy-overview article { grid-template-columns: 25% 75%; }
  .privacy-qa article,
  .privacy-definitions > div { grid-template-columns: 38% 62%; }
}

/* ---------- Utility ---------- */
.text-center { text-align: center; }
.mt-0 { margin-top: 0; }
.mb-0 { margin-bottom: 0; }