/* ============================================================
   Optima Financing — Modern Fintech Design System (v2 rebrand)
   Palette: Ink navy base · Electric blue action · Mint data accent
   Type: Space Grotesk (display) · Inter (body)
   ============================================================ */
:root{
  --ink:#0B1220;
  --navy:#101C33;
  --navy-2:#16233E;
  --surface:#F6F8FB;
  --white:#FFFFFF;
  --line:#E3E9F2;
  --line-dark:rgba(255,255,255,.10);
  --text:#1E293B;
  --muted:#5B6B82;
  --muted-dark:#9FB0C9;
  --accent:#2E6BFF;
  --accent-hover:#1F55E0;
  --accent-soft:#EAF0FF;
  --mint:#2AD4A6;
  --mint-dark:#0E9F76;
  --gold:#F5B942;
  --radius:14px;
  --radius-lg:22px;
  --shadow:0 8px 30px rgba(11,18,32,.08);
  --shadow-lg:0 18px 50px rgba(11,18,32,.14);
  --font-display:'Space Grotesk',system-ui,sans-serif;
  --font-body:'Inter',system-ui,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--font-body);color:var(--text);background:var(--white);line-height:1.65;font-size:16.5px;-webkit-font-smoothing:antialiased}
img,svg{display:block;max-width:100%}
a{color:var(--accent);text-decoration:none}
a:hover{color:var(--accent-hover)}
.container{width:min(1180px,92%);margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap;border:0}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--accent);color:#fff;padding:.6rem 1rem;border-radius:0 0 8px 0;z-index:200}
.skip-link:focus{left:0}
.hp-field{position:absolute!important;left:-9999px!important;height:1px;overflow:hidden}

h1,h2,h3,.stat-num{font-family:var(--font-display);color:var(--ink);line-height:1.15;letter-spacing:-.02em}
h1{font-size:clamp(2.2rem,4.6vw,3.6rem);font-weight:700}
h2{font-size:clamp(1.7rem,3vw,2.4rem);font-weight:700}
h3{font-size:1.18rem;font-weight:600}
.section{padding:clamp(3.4rem,7vw,5.6rem) 0}
.section-dark{background:var(--ink);color:var(--muted-dark)}
.section-dark h2,.section-dark h3{color:#fff}
.section-tint{background:var(--surface)}
.kicker{display:inline-block;font-family:var(--font-display);font-size:.82rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin-bottom:.9rem}
.section-dark .kicker{color:var(--mint)}
.lead{font-size:1.13rem;color:var(--muted);max-width:60ch}
.section-dark .lead{color:var(--muted-dark)}
.center{text-align:center}
.center .lead{margin-inline:auto}

/* ---------- Buttons ---------- */
.btn{display:inline-flex;align-items:center;gap:.5rem;font-family:var(--font-display);font-weight:600;font-size:1rem;padding:.85rem 1.7rem;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:.18s ease;line-height:1.2}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-hover);color:#fff;transform:translateY(-1px)}
.btn-ghost{border-color:var(--line);color:var(--ink);background:transparent}
.btn-ghost:hover{border-color:var(--accent);color:var(--accent)}
.section-dark .btn-ghost,.hero .btn-ghost,.page-hero .btn-ghost{border-color:rgba(255,255,255,.3);color:#fff}
.section-dark .btn-ghost:hover,.hero .btn-ghost:hover,.page-hero .btn-ghost:hover{border-color:var(--mint);color:var(--mint)}
.btn-lg{padding:1.05rem 2.2rem;font-size:1.08rem}
.btn-nav{padding:.62rem 1.35rem;font-size:.95rem}

/* ---------- Header / Nav ---------- */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:.85rem 0}
.brand{display:inline-flex;align-items:center;gap:.65rem}
.brand-text{font-family:var(--font-display);font-weight:700;font-size:1.32rem;color:var(--ink)}
.brand-accent{color:var(--accent)}
.nav-menu{display:flex;align-items:center;gap:1.7rem;list-style:none}
.nav-menu a:not(.btn){color:var(--ink);font-weight:500;font-size:.99rem}
.nav-menu a:not(.btn):hover{color:var(--accent)}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:.4rem}
.nav-toggle-bar{display:block;width:24px;height:2.5px;background:var(--ink);margin:5px 0;border-radius:2px;transition:.2s}

/* ---------- Hero ---------- */
.hero{background:radial-gradient(1100px 600px at 82% -10%,#1B3A75 0%,var(--ink) 55%);color:var(--muted-dark);padding:clamp(4rem,8vw,6.5rem) 0 clamp(3.4rem,6vw,5rem)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:3.2rem;align-items:center}
.hero h1{color:#fff}
.hero h1 .hl{color:var(--mint)}
.hero .lead{margin:1.2rem 0 1.9rem}
.hero-ctas{display:flex;gap:.9rem;flex-wrap:wrap}
.hero-proof{display:flex;gap:2.1rem;margin-top:2.4rem;flex-wrap:wrap}
.proof-item{font-size:.92rem}
.proof-item strong{display:block;font-family:var(--font-display);font-size:1.5rem;color:#fff;letter-spacing:-.02em}
.hero-card{background:linear-gradient(160deg,var(--navy-2),var(--navy));border:1px solid var(--line-dark);border-radius:var(--radius-lg);padding:1.8rem;box-shadow:var(--shadow-lg)}
.hero-card h3{color:#fff;display:flex;align-items:center;justify-content:space-between;font-size:1.02rem}
.hero-card .pill{font-size:.72rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;background:rgba(42,212,166,.14);color:var(--mint);padding:.28rem .7rem;border-radius:999px}
.rate-rows{margin-top:1.1rem;display:grid;gap:.6rem}
.rate-row{display:flex;align-items:center;justify-content:space-between;background:rgba(255,255,255,.04);border:1px solid var(--line-dark);border-radius:12px;padding:.75rem 1rem}
.rate-row .rp{color:#E7EDF7;font-weight:500;font-size:.95rem}
.rate-row .rv{font-family:var(--font-display);font-weight:700;color:var(--mint);font-size:1.12rem}
.rate-note{font-size:.78rem;color:var(--muted-dark);margin-top:.9rem}
.rate-row .rc{font-size:.78rem;margin-left:.5rem}
.rate-row .rc .up{color:#F87171}
.rate-row .rc .down{color:var(--mint)}
.rate-row .rc .flat{color:var(--muted-dark)}
.rate-row .rwrap{display:flex;align-items:baseline}

/* ---------- Cards / grids ---------- */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;margin-top:2.4rem}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:1.4rem;margin-top:2.4rem}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:1.7rem;transition:.2s;position:relative}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:#CBD8EE}
.card h3{margin-bottom:.55rem}
.card p{color:var(--muted);font-size:.97rem}
.card-icon{width:46px;height:46px;border-radius:12px;background:var(--accent-soft);display:flex;align-items:center;justify-content:center;margin-bottom:1.05rem;color:var(--accent)}
.card-link{font-weight:600;font-size:.94rem;display:inline-flex;align-items:center;gap:.3rem;margin-top:.8rem}
.card .tag{position:absolute;top:1.2rem;right:1.2rem;font-size:.7rem;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--mint-dark);background:#E4FAF2;padding:.22rem .6rem;border-radius:999px}

/* ---------- Comparison table ---------- */
.compare-table{width:100%;border-collapse:separate;border-spacing:0;margin-top:2.2rem;background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;font-size:.97rem}
.compare-table th,.compare-table td{padding:1rem 1.25rem;text-align:left;border-bottom:1px solid var(--line)}
.compare-table thead th{font-family:var(--font-display);font-size:.99rem;background:var(--surface)}
.compare-table thead th.col-optima{background:var(--ink);color:#fff}
.compare-table td.col-optima{background:#F4F9FF;font-weight:600;color:var(--ink)}
.compare-table tr:last-child td{border-bottom:0}
.compare-table .check{color:var(--mint-dark);font-weight:700}
.compare-table .cross{color:#C4534B;font-weight:700}

/* ---------- Steps ---------- */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.3rem;margin-top:2.4rem;counter-reset:step}
.step{background:var(--navy-2);border:1px solid var(--line-dark);border-radius:var(--radius);padding:1.5rem}
.step::before{counter-increment:step;content:"0" counter(step);font-family:var(--font-display);font-weight:700;font-size:1rem;color:var(--mint);display:block;margin-bottom:.7rem}
.step h3{font-size:1.04rem;margin-bottom:.4rem}
.step p{font-size:.9rem}

/* ---------- Stats band ---------- */
.stats-band{display:grid;grid-template-columns:repeat(3,1fr);gap:1.3rem;margin-top:2.4rem}
.stat{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;text-align:center}
.stat-num{font-size:2.1rem;color:var(--accent)}
.stat p{color:var(--muted);font-size:.92rem;margin-top:.3rem}

/* ---------- FAQ ---------- */
.faq-list{max-width:820px;margin:2.2rem auto 0}
.faq-item{border:1px solid var(--line);border-radius:var(--radius);background:var(--white);margin-bottom:.9rem;overflow:hidden}
.faq-item summary{cursor:pointer;list-style:none;font-family:var(--font-display);font-weight:600;font-size:1.04rem;color:var(--ink);padding:1.15rem 3.2rem 1.15rem 1.4rem;position:relative}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:1.3rem;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--accent);transition:.2s}
.faq-item[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.faq-item p{padding:0 1.4rem 1.25rem;color:var(--muted);font-size:.98rem}

/* ---------- Forms ---------- */
.form-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius-lg);padding:2.2rem;box-shadow:var(--shadow);max-width:720px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.1rem}
.form-field{display:flex;flex-direction:column;gap:.35rem}
.form-field.full{grid-column:1/-1}
.form-field label{font-weight:600;font-size:.9rem;color:var(--ink)}
.form-field input,.form-field select,.form-field textarea{font-family:var(--font-body);font-size:1rem;padding:.78rem .95rem;border:1.5px solid var(--line);border-radius:10px;background:var(--white);color:var(--text);transition:.15s}
.form-field input:focus,.form-field select:focus,.form-field textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft)}
.consent-box{grid-column:1/-1;display:flex;gap:.7rem;align-items:flex-start;background:var(--surface);border:1px solid var(--line);border-radius:10px;padding:.95rem 1.05rem;margin-top:.2rem}
.consent-box input[type=checkbox]{margin-top:.28rem;width:17px;height:17px;accent-color:var(--accent);flex-shrink:0}
.consent-box label{font-size:.83rem;color:var(--muted);line-height:1.55;font-weight:400}
.form-note{font-size:.8rem;color:var(--muted);margin-top:.9rem}
.required-mark{color:#C4534B}

/* ---------- Portrait ---------- */
.bio-head{display:flex;align-items:center;gap:1.4rem;margin-bottom:.4rem}
.portrait{width:112px;height:112px;border-radius:24px;object-fit:cover;border:3px solid var(--white);box-shadow:var(--shadow-lg);flex-shrink:0}
.portrait-lg{width:100%;max-width:380px;height:auto;border-radius:var(--radius-lg);object-fit:cover;box-shadow:var(--shadow-lg);border:1px solid var(--line)}
.bio-figure{position:relative;display:inline-block}
.bio-figure .bio-badge{position:absolute;left:14px;bottom:14px;background:rgba(11,18,32,.85);backdrop-filter:blur(6px);color:#fff;font-family:var(--font-display);font-size:.85rem;font-weight:600;padding:.5rem .95rem;border-radius:10px}
.bio-figure .bio-badge span{display:block;font-family:var(--font-body);font-weight:400;font-size:.72rem;color:var(--muted-dark)}
@media (max-width:640px){.bio-head{flex-direction:row}.portrait{width:88px;height:88px;border-radius:18px}}

/* ---------- Page hero (interior) ---------- */
.page-hero{background:linear-gradient(140deg,var(--ink),var(--navy) 70%);color:var(--muted-dark);padding:clamp(3rem,6vw,4.4rem) 0}
.page-hero h1{color:#fff;font-size:clamp(1.9rem,3.6vw,2.8rem)}
.page-hero .lead{margin-top:.9rem}
.breadcrumb{font-size:.85rem;margin-bottom:1rem;color:var(--muted-dark)}
.breadcrumb a{color:var(--mint)}

/* ---------- Prose (legal pages) ---------- */
.prose{max-width:800px;margin-inline:auto}
.prose h2{font-size:1.45rem;margin:2.4rem 0 .8rem}
.prose h3{margin:1.6rem 0 .5rem}
.prose p,.prose li{color:var(--muted);font-size:.99rem}
.prose ul,.prose ol{padding-left:1.4rem;margin:.6rem 0 1rem}
.prose li{margin-bottom:.45rem}
.prose .updated{font-size:.85rem;color:var(--muted);font-style:italic}
.callout{background:var(--accent-soft);border-left:4px solid var(--accent);border-radius:0 10px 10px 0;padding:1.1rem 1.3rem;margin:1.4rem 0}
.callout.mint{background:#E4FAF2;border-color:var(--mint-dark)}
.callout p{margin:0;color:var(--text)}

/* ---------- Location cards ---------- */
.loc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem;margin-top:2.4rem}
.loc-card{border:1px solid var(--line);border-radius:var(--radius-lg);overflow:hidden;background:var(--white)}
.loc-card-head{background:var(--navy);padding:1.4rem 1.6rem}
.loc-card-head h3{color:#fff;font-size:1.25rem}
.loc-card-head span{font-size:.8rem;color:var(--mint);font-weight:600;letter-spacing:.08em;text-transform:uppercase}
.loc-card-body{padding:1.4rem 1.6rem}
.loc-card-body ul{list-style:none;margin:.6rem 0 0}
.loc-card-body li{padding:.4rem 0;border-bottom:1px dashed var(--line);font-size:.94rem;color:var(--muted)}
.loc-card-body li:last-child{border-bottom:0}
.loc-license{font-size:.8rem;color:var(--muted);margin-top:.9rem}

/* ---------- CTA band ---------- */
.cta-band{background:linear-gradient(120deg,var(--accent),#1B4FD8);border-radius:var(--radius-lg);padding:clamp(2.4rem,5vw,3.6rem);text-align:center;color:#fff}
.cta-band h2{color:#fff}
.cta-band p{color:#D9E4FF;max-width:56ch;margin:.8rem auto 1.6rem}
.cta-band .btn-primary{background:#fff;color:var(--accent)}
.cta-band .btn-primary:hover{background:var(--ink);color:#fff}

/* ---------- Footer ---------- */
.site-footer{background:var(--ink);color:var(--muted-dark);padding:3.6rem 0 2rem;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.1fr;gap:2.4rem}
.footer-col h3{color:#fff;font-size:.95rem;margin-bottom:.9rem;letter-spacing:.04em}
.footer-col ul{list-style:none}
.footer-col li{margin-bottom:.55rem}
.footer-col a{color:var(--muted-dark);font-size:.93rem}
.footer-col a:hover{color:var(--mint)}
.footer-brand .brand-text{color:#fff}
.footer-tag{font-size:.92rem;margin:.7rem 0 1rem}
.footer-contact{font-size:.93rem;line-height:1.9}
.footer-license{font-size:.9rem;line-height:1.85}
.footer-eho{display:flex;align-items:center;gap:.55rem;font-size:.85rem;margin-top:1rem;color:var(--muted-dark)}
.footer-bottom{border-top:1px solid var(--line-dark);margin-top:2.6rem;padding-top:1.4rem}
.footer-bottom p{font-size:.78rem;line-height:1.7;color:#7A8BA6}
.footer-tx-notice{margin-top:.6rem}
.footer-tx-notice a{color:var(--muted-dark);text-decoration:underline}

/* ---------- Calculator ---------- */
.calc-wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:2.2rem;align-items:stretch;margin-top:2.4rem}
.calc-inputs{display:grid;gap:1.1rem}
.calc-field label{font-weight:600;font-size:.9rem;color:var(--ink);display:flex;justify-content:space-between}
.calc-field label output{color:var(--accent);font-family:var(--font-display)}
.calc-field input[type=range]{width:100%;accent-color:var(--accent);margin-top:.5rem}
.calc-field .calc-terms{display:flex;gap:.6rem;margin-top:.5rem}
.calc-terms button{flex:1;padding:.6rem;border-radius:10px;border:1.5px solid var(--line);background:var(--white);font-family:var(--font-display);font-weight:600;cursor:pointer;color:var(--muted);transition:.15s}
.calc-terms button.active{border-color:var(--accent);background:var(--accent-soft);color:var(--accent)}
.calc-result{background:linear-gradient(160deg,var(--navy-2),var(--ink));border-radius:var(--radius-lg);padding:2rem;color:var(--muted-dark);display:flex;flex-direction:column;justify-content:center}
.calc-result .calc-label{font-size:.85rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mint);font-family:var(--font-display);font-weight:600}
.calc-result .calc-monthly{font-family:var(--font-display);font-weight:700;font-size:clamp(2.4rem,4vw,3.4rem);color:#fff;letter-spacing:-.02em;margin:.4rem 0 .2rem}
.calc-result .calc-sub{font-size:.85rem}
.calc-breakdown{margin-top:1.4rem;display:grid;gap:.5rem;font-size:.92rem}
.calc-breakdown div{display:flex;justify-content:space-between;border-bottom:1px dashed var(--line-dark);padding-bottom:.45rem}
.calc-breakdown div span:last-child{color:#fff;font-weight:600}
.calc-note{font-size:.76rem;margin-top:1.2rem;color:#7A8BA6}
@media (max-width:980px){.calc-wrap{grid-template-columns:1fr}}

/* ---------- Financing wizard ---------- */
.wiz-progress{height:6px;background:var(--line);border-radius:999px;overflow:hidden;margin-bottom:.6rem}
.wiz-progress span{display:block;height:100%;background:linear-gradient(90deg,var(--accent),var(--mint));border-radius:999px;transition:width .3s ease}
.wiz-stepcount{font-size:.8rem;color:var(--muted);font-family:var(--font-display);font-weight:600;letter-spacing:.06em;text-transform:uppercase;margin-bottom:1.4rem}
.wiz-step{display:none;border:0;padding:0;margin:0}
.wiz-step.active{display:block}
.wiz-q{font-family:var(--font-display);font-weight:700;font-size:1.35rem;color:var(--ink);margin-bottom:1.3rem;padding:0}
.goal-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.9rem}
.goal-card{display:flex;flex-direction:column;align-items:flex-start;gap:.5rem;padding:1.1rem 1.15rem;border:1.5px solid var(--line);border-radius:14px;background:var(--white);cursor:pointer;font-family:var(--font-body);font-size:1.35rem;text-align:left;transition:.15s;color:var(--ink)}
.goal-card span{font-size:.95rem;font-weight:600;line-height:1.35}
.goal-card:hover{border-color:var(--accent);box-shadow:var(--shadow);transform:translateY(-2px)}
.goal-card.selected{border-color:var(--accent);background:var(--accent-soft);box-shadow:0 0 0 3px var(--accent-soft)}
.wiz-nav{display:flex;justify-content:space-between;align-items:center;margin-top:1.8rem;gap:1rem}
.wiz-branch{display:none}
.wiz-branch.show{display:flex}
@media (max-width:640px){.goal-grid{grid-template-columns:1fr 1fr}}

/* ---------- Wizard extras ---------- */
.check-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:.5rem .9rem;margin-top:.5rem}
.check-grid label{display:flex;align-items:center;gap:.5rem;font-weight:400;font-size:.92rem;color:var(--muted);cursor:pointer}
.check-grid input[type=checkbox]{width:16px;height:16px;accent-color:var(--accent)}
.form-field input[type=range]{width:100%;accent-color:var(--accent);margin-top:.5rem}
.form-field label output{color:var(--accent);font-family:var(--font-display);font-weight:600;float:right}
.wiz-snapshot{background:linear-gradient(160deg,var(--navy-2),var(--ink));border-radius:var(--radius-lg);padding:1.6rem;color:var(--muted-dark);margin-top:1.6rem}
.wiz-snapshot .calc-label{font-size:.85rem;letter-spacing:.1em;text-transform:uppercase;color:var(--mint);font-family:var(--font-display);font-weight:600}
@media (max-width:640px){.check-grid{grid-template-columns:1fr 1fr}}

/* ---------- Social links ---------- */
.social-links{display:flex;gap:.7rem;list-style:none;margin-top:1.1rem}
.social-links a{display:flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:10px;border:1px solid var(--line-dark);color:var(--muted-dark);transition:.18s}
.social-links a:hover{color:#fff;border-color:var(--mint);transform:translateY(-2px)}
.social-inline .social-links{margin-top:.8rem}
.social-inline .social-links a{border-color:var(--line);color:var(--muted)}
.social-inline .social-links a:hover{color:var(--accent);border-color:var(--accent)}

/* ---------- Review band ---------- */
.review-band{display:flex;gap:1.2rem;flex-wrap:wrap;justify-content:center;margin-top:2.2rem}
.review-chip{display:flex;align-items:center;gap:.8rem;background:var(--white);border:1px solid var(--line);border-radius:999px;padding:.7rem 1.4rem;color:var(--text);transition:.18s}
.review-chip:hover{box-shadow:var(--shadow);transform:translateY(-2px);color:var(--text)}
.review-chip .stars{color:var(--gold);letter-spacing:.1em;font-size:.95rem}
.review-chip strong{font-family:var(--font-display)}
.review-chip span.src{color:var(--muted);font-size:.88rem}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .hero-grid{grid-template-columns:1fr}
  .grid-3,.loc-grid,.stats-band{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .grid-3,.grid-2,.loc-grid,.steps,.stats-band,.form-grid,.footer-grid{grid-template-columns:1fr}
  .nav-toggle{display:block}
  .nav-menu{display:none;position:absolute;top:100%;left:0;right:0;background:var(--white);flex-direction:column;align-items:stretch;padding:1rem 4%;gap:.2rem;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .nav-menu.open{display:flex}
  .nav-menu li{padding:.5rem 0}
  .compare-wrap{overflow-x:auto}
}

/* ---------- A11y: focus & reduced motion ---------- */
.btn:focus-visible,.goal-card:focus-visible,.calc-terms button:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
a:focus-visible{outline:2px solid var(--accent);outline-offset:2px;border-radius:4px}
@media (prefers-reduced-motion: reduce){
  *,*::before,*::after{animation:none!important;transition:none!important}
  html{scroll-behavior:auto}
}

/* Featured program card */
.card-featured{border-color:var(--accent);box-shadow:0 0 0 3px var(--accent-soft),var(--shadow)}
.card-featured .tag{color:var(--accent);background:var(--accent-soft)}

/* ---------- Insights / blog ---------- */
.post-meta{display:flex;gap:.5rem 1.1rem;flex-wrap:wrap;font-size:.85rem;color:var(--muted);margin-bottom:1.8rem;padding-bottom:1.1rem;border-bottom:1px solid var(--line)}
.post-meta strong{color:var(--ink)}
.prose .post-cta{margin:2.2rem 0}
.blog-card-tag{font-size:.7rem;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);background:var(--accent-soft);padding:.22rem .6rem;border-radius:999px;display:inline-block;margin-bottom:.8rem}

.card-apply{display:flex;margin-top:.4rem}