/* Westmont Realty | Lending — black & white editorial theme */

@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,300;9..144,400;9..144,500;9..144,600&family=Inter:wght@300;400;500;600;700&display=swap');

:root {
  --black: #0a0a0a;
  --ink: #141414;
  --line: rgba(255,255,255,0.14);
  --line-dark: rgba(0,0,0,0.12);
  --mute: #8a8a8a;
  --silver: #c9c9c9;
  --paper: #fafafa;
  --cream: #f4f3f0;
  --serif: 'Fraunces', 'Times New Roman', serif;
  --sans: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: var(--sans);
  font-weight: 400;
  font-size: 16px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { max-width: 100%; display: block; }
a { color: inherit; text-decoration: none; }
button { font-family: inherit; cursor: pointer; }

/* ---------- Layout ---------- */
.wrap { max-width: 1280px; margin: 0 auto; padding: 0 32px; }
.wrap-tight { max-width: 920px; margin: 0 auto; padding: 0 32px; }

/* ---------- Top bar ---------- */
.topbar {
  background: var(--black);
  color: var(--silver);
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  border-bottom: 1px solid var(--line);
}
.topbar .wrap { display: flex; justify-content: space-between; align-items: center; padding: 10px 32px; }
.topbar a:hover { color: #fff; }
.topbar .meta { display: flex; gap: 28px; }

/* ---------- Header / Nav ---------- */
.header {
  background: var(--black);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 50;
  border-bottom: 1px solid var(--line);
}
.nav {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  align-items: center;
  gap: 48px;
  padding: 28px 40px;
  max-width: 1320px;
  margin: 0 auto;
}
.brand {
  display: flex;
  flex-direction: column;
  align-items: center;
  justify-self: center;
  gap: 10px;
  text-align: center;
}
.brand img { width: 64px; height: 51px; object-fit: contain; }
.brand-text {
  display: flex;
  flex-direction: column;
  align-items: center;
  line-height: 1;
}
.brand-text .name {
  font-family: var(--serif);
  font-weight: 400;
  font-size: 21px;
  letter-spacing: 0.32em;
  padding-left: 0.32em;
}
.brand-text .tag {
  font-size: 9px;
  letter-spacing: 0.45em;
  color: var(--silver);
  margin-top: 7px;
  text-transform: uppercase;
  padding-left: 0.45em;
}
.nav-links { display: flex; gap: 30px; align-items: center; }
.nav-left { justify-self: end; }
.nav-right { justify-self: start; }
.nav-links a {
  font-size: 13px;
  letter-spacing: 0.06em;
  color: #d8d8d8;
  text-transform: uppercase;
  transition: color .2s;
  position: relative;
}
.nav-links a:hover, .nav-links a.active { color: #fff; }
.nav-links a.active::after {
  content: "";
  position: absolute;
  left: 0; right: 0; bottom: -8px;
  height: 1px;
  background: #fff;
}

/* Nav dropdown submenu */
.nav-dropdown { position: relative; display: inline-flex; align-items: center; }
.nav-dropdown > a {
  white-space: nowrap;
  display: inline-flex;
  align-items: center;
}
.nav-dropdown > a::after {
  content: "";
  display: inline-block;
  width: 0;
  height: 0;
  margin-left: 7px;
  border-left: 4px solid transparent;
  border-right: 4px solid transparent;
  border-top: 4px solid currentColor;
  opacity: 0.55;
  vertical-align: middle;
}
/* Defensive: never show the dropdown arrow inside the mobile drawer */
.drawer-links a::after { display: none !important; content: none !important; border: none !important; }
.nav-dropdown::after {
  content: "";
  position: absolute;
  top: 100%;
  left: -20px;
  right: -20px;
  height: 14px;
}
.nav-submenu {
  position: absolute;
  top: calc(100% + 14px);
  left: 50%;
  transform: translateX(-50%) translateY(-6px);
  background: var(--black);
  border: 1px solid var(--line);
  padding: 14px 0;
  min-width: 220px;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.22s, transform 0.22s;
  z-index: 60;
}
.nav-dropdown:hover .nav-submenu,
.nav-dropdown:focus-within .nav-submenu {
  opacity: 1;
  pointer-events: auto;
  transform: translateX(-50%) translateY(0);
}
.nav-submenu a {
  display: block;
  padding: 9px 26px;
  font-size: 12px;
  letter-spacing: 0.08em;
  color: #c8c8c8;
  text-transform: none;
  white-space: nowrap;
}
.nav-submenu a:hover {
  color: #fff;
  background: rgba(255,255,255,0.04);
}
.nav-submenu a.active { color: #fff; }
.nav-submenu a.active::after { display: none; }
.nav-submenu .divider {
  height: 1px;
  background: var(--line);
  margin: 8px 0;
}
.btn {
  display: inline-block;
  padding: 12px 26px;
  font-size: 12px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  border: 1px solid #fff;
  color: #fff;
  background: transparent;
  transition: all .25s;
}
.btn:hover { background: #fff; color: var(--black); }
.btn-dark {
  background: var(--black);
  color: #fff;
  border-color: var(--black);
}
.btn-dark:hover { background: transparent; color: var(--black); }
.btn-light {
  background: transparent;
  color: var(--black);
  border-color: var(--black);
}
.btn-light:hover { background: var(--black); color: #fff; }

.nav-toggle {
  display: none;
  background: transparent;
  border: 1px solid var(--line);
  color: #fff;
  padding: 8px 12px;
  font-size: 13px;
  letter-spacing: 0.1em;
}

/* ---------- Hero ---------- */
.hero {
  background: var(--black);
  color: #fff;
  padding: 120px 0 140px;
  position: relative;
  overflow: hidden;
  border-bottom: 1px solid var(--line);
}
.hero::before {
  content: "";
  position: absolute;
  inset: 0;
  background:
    radial-gradient(ellipse at 80% 20%, rgba(255,255,255,0.05), transparent 60%),
    radial-gradient(ellipse at 10% 80%, rgba(255,255,255,0.03), transparent 50%);
  pointer-events: none;
}
.hero .wrap { position: relative; z-index: 2; }

/* Hero with background image — add <div class="bg-photo" style="background-image: url(...)"> as first child */
.hero.hero--image { background-color: var(--black); }
.hero.hero--image::before {
  background:
    linear-gradient(180deg, rgba(0,0,0,0.35) 0%, rgba(10,10,10,0.65) 100%);
  z-index: 1;
}
.bg-photo {
  position: absolute;
  top: 0; right: 0; bottom: 0; left: 0;
  background-size: cover;
  background-position: center;
  background-repeat: no-repeat;
  filter: grayscale(0.35) brightness(0.95);
  z-index: 0;
}
.eyebrow {
  display: inline-block;
  font-size: 11px;
  letter-spacing: 0.4em;
  text-transform: uppercase;
  color: var(--silver);
  border: 1px solid var(--line);
  padding: 8px 16px;
  margin-bottom: 32px;
}
.hero h1 {
  font-family: var(--serif);
  font-weight: 300;
  font-size: clamp(44px, 7vw, 92px);
  line-height: 1.02;
  letter-spacing: -0.02em;
  margin-bottom: 28px;
  max-width: 16ch;
}
.hero h1 em {
  font-style: italic;
  font-weight: 400;
  color: var(--silver);
}
.hero-sub {
  font-size: 18px;
  color: #b8b8b8;
  max-width: 56ch;
  margin-bottom: 44px;
  line-height: 1.7;
}
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; }

/* ---------- Section base ---------- */
section { padding: 100px 0; }
.section-dark { background: var(--black); color: #fff; }
.section-cream { background: var(--cream); }
.section-eyebrow {
  font-size: 11px;
  letter-spacing: 0.4em;
  text-transform: uppercase;
  color: var(--mute);
  margin-bottom: 18px;
}
.section-title {
  font-family: var(--serif);
  font-weight: 300;
  font-size: clamp(34px, 5vw, 56px);
  line-height: 1.08;
  letter-spacing: -0.015em;
  margin-bottom: 22px;
  max-width: 22ch;
}
.section-lead {
  font-size: 18px;
  color: #555;
  max-width: 60ch;
  line-height: 1.7;
  margin-bottom: 56px;
}
.section-dark .section-lead { color: #b8b8b8; }
.section-dark .section-eyebrow { color: var(--silver); }

/* ---------- Value props (3-col) ---------- */
.props {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 0;
  border-top: 1px solid var(--line-dark);
  border-left: 1px solid var(--line-dark);
}
.section-dark .props { border-color: var(--line); }
.prop {
  padding: 48px 36px;
  border-right: 1px solid var(--line-dark);
  border-bottom: 1px solid var(--line-dark);
}
.section-dark .prop { border-color: var(--line); }
.prop .num {
  font-family: var(--serif);
  font-size: 14px;
  letter-spacing: 0.2em;
  color: var(--mute);
  margin-bottom: 24px;
}
.prop h3 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: 26px;
  line-height: 1.2;
  margin-bottom: 16px;
}
.prop p {
  font-size: 15px;
  color: #555;
  line-height: 1.7;
}
.section-dark .prop p { color: #aaa; }

/* ---------- Accordion (mortgage types) ---------- */
.accordion { border-top: 1px solid var(--line-dark); }
.acc-item { border-bottom: 1px solid var(--line-dark); }
.acc-head {
  width: 100%;
  background: transparent;
  border: none;
  padding: 28px 0;
  display: flex;
  justify-content: space-between;
  align-items: center;
  text-align: left;
  font-family: var(--serif);
  font-size: 28px;
  font-weight: 300;
  color: var(--ink);
}
.acc-head .plus {
  font-family: var(--sans);
  font-size: 22px;
  font-weight: 300;
  width: 36px;
  height: 36px;
  border: 1px solid var(--line-dark);
  border-radius: 50%;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  transition: transform .3s;
}
.acc-item.open .plus { transform: rotate(45deg); background: var(--black); color: #fff; border-color: var(--black); }
.acc-body {
  max-height: 0;
  overflow: hidden;
  transition: max-height .4s ease;
}
.acc-item.open .acc-body { max-height: 500px; }
.acc-body-inner {
  padding: 0 0 32px;
  font-size: 16px;
  color: #555;
  line-height: 1.75;
  max-width: 80ch;
}

/* ---------- Rates table ---------- */
.rates-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 15px;
}
.rates-table th, .rates-table td {
  padding: 22px 18px;
  text-align: left;
  border-bottom: 1px solid var(--line-dark);
}
.rates-table th {
  font-family: var(--sans);
  font-weight: 600;
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--mute);
}
.rates-table td:first-child {
  font-family: var(--serif);
  font-size: 20px;
}
.rates-table .rate {
  font-family: var(--serif);
  font-size: 22px;
  font-weight: 400;
}
.rates-note {
  font-size: 13px;
  color: var(--mute);
  margin-top: 24px;
  font-style: italic;
}

/* ---------- Forms ---------- */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
}
.field { display: flex; flex-direction: column; }
.field.full { grid-column: 1 / -1; }
.field label {
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--mute);
  margin-bottom: 10px;
}
.field input,
.field select,
.field textarea {
  background: transparent;
  border: none;
  border-bottom: 1px solid var(--line-dark);
  padding: 12px 0;
  font-size: 16px;
  font-family: inherit;
  color: var(--ink);
  outline: none;
  transition: border-color .2s;
}
.field input:focus,
.field select:focus,
.field textarea:focus { border-color: var(--black); }
.field textarea { min-height: 120px; resize: vertical; }

/* ---------- Calculator cards ---------- */
.calc-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 40px;
}
.calc-card--solo {
  max-width: 620px;
  margin: 0 auto;
  padding: 48px;
}
.cross-cards { grid-template-columns: repeat(4, 1fr); }
.cross-card {
  color: inherit;
  text-decoration: none;
  cursor: pointer;
  transition: border-color 0.2s, transform 0.2s;
  display: flex;
  flex-direction: column;
}
.cross-card:hover {
  border-color: var(--ink);
  transform: translateY(-2px);
}
.cross-card .card-mark {
  font-family: var(--serif);
  font-size: 14px;
  letter-spacing: 0.22em;
  color: var(--mute);
  margin-bottom: 24px;
}
.cross-card .card-byline {
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--mute);
  border-top: 1px solid var(--line-dark);
  padding-top: 14px;
  margin-top: auto;
}
.cross-card:hover .card-byline { color: var(--ink); }
@media (max-width: 1100px) {
  .cross-cards { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 640px) {
  .cross-cards { grid-template-columns: 1fr; }
  .calc-card--solo { padding: 28px; }
}
.calc-card {
  background: #fff;
  border: 1px solid var(--line-dark);
  padding: 40px;
}
.calc-card h3 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: 28px;
  margin-bottom: 8px;
}
.calc-card p.calc-sub {
  font-size: 14px;
  color: var(--mute);
  margin-bottom: 28px;
}
.calc-inputs { display: flex; flex-direction: column; gap: 18px; margin-bottom: 24px; }
.calc-result {
  background: var(--black);
  color: #fff;
  padding: 28px;
  text-align: center;
}
.calc-result .label {
  font-size: 11px;
  letter-spacing: 0.2em;
  text-transform: uppercase;
  color: var(--silver);
  margin-bottom: 10px;
}
.calc-result .value {
  font-family: var(--serif);
  font-size: 38px;
  font-weight: 300;
}

/* ---------- Cards (testimonials / blog) ---------- */
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 32px;
}
.card {
  background: #fff;
  border: 1px solid var(--line-dark);
  padding: 36px 32px;
  display: flex;
  flex-direction: column;
}
.section-dark .card { background: #111; border-color: var(--line); }
.card-quote {
  font-family: var(--serif);
  font-size: 20px;
  font-weight: 300;
  line-height: 1.5;
  color: var(--ink);
  margin-bottom: 24px;
  flex: 1;
}
.section-dark .card-quote { color: #f0f0f0; }
.card-byline {
  font-size: 12px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--mute);
  padding-top: 18px;
  border-top: 1px solid var(--line-dark);
}
.section-dark .card-byline { border-color: var(--line); color: var(--silver); }
.card-mark {
  font-family: var(--serif);
  font-size: 48px;
  line-height: 1;
  color: var(--mute);
  margin-bottom: 12px;
}

/* Blog cards */
.blog-card { padding: 0; }
.blog-card .thumb {
  aspect-ratio: 3/2;
  background: var(--ink);
  position: relative;
  overflow: hidden;
}
.blog-card .thumb svg { width: 100%; height: 100%; }
.blog-card .body { padding: 28px 28px 32px; }
.blog-card .date {
  font-size: 11px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--mute);
  margin-bottom: 12px;
}
.blog-card h3 {
  font-family: var(--serif);
  font-weight: 400;
  font-size: 22px;
  line-height: 1.3;
  margin-bottom: 14px;
}
.blog-card p {
  font-size: 14px;
  color: #555;
  line-height: 1.65;
  margin-bottom: 18px;
}
.blog-card .read {
  font-size: 12px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  border-bottom: 1px solid var(--ink);
  padding-bottom: 4px;
  align-self: flex-start;
}

/* ---------- Split rows ---------- */
.split {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 80px;
  align-items: center;
}
.split .visual {
  aspect-ratio: 4/5;
  background: var(--black);
  position: relative;
  overflow: hidden;
}
.split .visual svg { width: 100%; height: 100%; }
.split .visual img { width: 100%; height: 100%; object-fit: cover; display: block; filter: grayscale(0.25); }

/* ---------- CTA band ---------- */
.cta-band {
  background: var(--black);
  color: #fff;
  padding: 90px 0;
  text-align: center;
  border-top: 1px solid var(--line);
  border-bottom: 1px solid var(--line);
  position: relative;
}
.cta-band .wrap { position: relative; z-index: 2; }

/* CTA with background image — add <div class="bg-photo" ...> child */
.cta-band.cta-band--image {
  background-color: var(--black);
  overflow: hidden;
}
.cta-band.cta-band--image::before {
  content: "";
  position: absolute;
  top: 0; right: 0; bottom: 0; left: 0;
  background: linear-gradient(180deg, rgba(0,0,0,0.45), rgba(10,10,10,0.7));
  z-index: 1;
}

/* Page-head with background image */
.page-head.page-head--image {
  position: relative;
  overflow: hidden;
  background-color: var(--black);
}
.page-head.page-head--image::before {
  content: "";
  position: absolute;
  top: 0; right: 0; bottom: 0; left: 0;
  background: linear-gradient(180deg, rgba(0,0,0,0.4), rgba(10,10,10,0.7));
  z-index: 1;
}
.page-head.page-head--image .wrap { position: relative; z-index: 2; }
.cta-band h2 {
  font-family: var(--serif);
  font-weight: 300;
  font-size: clamp(32px, 5vw, 52px);
  line-height: 1.1;
  margin-bottom: 18px;
  max-width: 22ch;
  margin-left: auto;
  margin-right: auto;
}
.cta-band p {
  color: #b8b8b8;
  font-size: 17px;
  margin-bottom: 36px;
  max-width: 52ch;
  margin-left: auto;
  margin-right: auto;
}

/* ---------- Footer ---------- */
.footer {
  background: var(--black);
  color: #b0b0b0;
  padding: 80px 0 32px;
  font-size: 14px;
  border-top: 1px solid var(--line);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.4fr 1fr 1fr 1fr;
  gap: 48px;
  margin-bottom: 56px;
}
.footer-brand { display: flex; align-items: center; gap: 14px; margin-bottom: 22px; }
.footer-brand img { width: 50px; height: 40px; object-fit: contain; }
.footer-brand .name {
  font-family: var(--serif);
  font-weight: 400;
  font-size: 20px;
  letter-spacing: 0.18em;
  color: #fff;
}
.footer h4 {
  color: #fff;
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  font-weight: 600;
  margin-bottom: 20px;
}
.footer ul { list-style: none; }
.footer li { margin-bottom: 10px; }
.footer a:hover { color: #fff; }
.footer-bottom {
  border-top: 1px solid var(--line);
  padding-top: 28px;
  display: flex;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 16px;
  font-size: 12px;
  color: var(--mute);
}

/* ---------- Page header (interior) ---------- */
.page-head {
  background: var(--black);
  color: #fff;
  padding: 100px 0 80px;
  border-bottom: 1px solid var(--line);
}
.page-head h1 {
  font-family: var(--serif);
  font-weight: 300;
  font-size: clamp(40px, 6vw, 72px);
  line-height: 1.05;
  letter-spacing: -0.015em;
  margin-bottom: 18px;
  max-width: 18ch;
}
.page-head p {
  font-size: 18px;
  color: #b8b8b8;
  max-width: 56ch;
  line-height: 1.65;
}
.crumbs {
  font-size: 11px;
  letter-spacing: 0.22em;
  text-transform: uppercase;
  color: var(--silver);
  margin-bottom: 26px;
}
.crumbs a { color: var(--silver); }
.crumbs a:hover { color: #fff; }
.crumbs .sep { margin: 0 10px; color: var(--mute); }

/* ---------- Topbar Apply Now CTA ---------- */
.topbar .meta .topbar-cta {
  color: #fff;
  position: relative;
  padding-left: 28px;
  letter-spacing: 0.12em;
}
.topbar .meta .topbar-cta::before {
  content: "";
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 12px;
  background: var(--line);
}
.topbar .meta .topbar-cta:hover { color: var(--silver); }

/* Topbar social icons */
.topbar-socials {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  margin-left: 6px;
  padding-left: 24px;
  position: relative;
}
.topbar-socials::before {
  content: "";
  position: absolute;
  left: 0;
  top: 50%;
  transform: translateY(-50%);
  width: 1px;
  height: 12px;
  background: var(--line);
}
.topbar-socials a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: var(--silver);
  transition: color 0.2s;
  padding: 0;
}
.topbar-socials a:hover { color: #fff; }
.topbar-socials svg { width: 15px; height: 15px; }

/* Footer social icons */
.footer-socials {
  display: flex;
  gap: 12px;
  margin-top: 22px;
}
.footer-socials a {
  display: inline-flex;
  width: 38px;
  height: 38px;
  border: 1px solid var(--line);
  border-radius: 50%;
  align-items: center;
  justify-content: center;
  color: var(--silver);
  transition: color 0.2s, border-color 0.2s, background 0.2s;
}
.footer-socials a:hover {
  color: #fff;
  border-color: rgba(255,255,255,0.45);
  background: rgba(255,255,255,0.04);
}
.footer-socials svg { width: 15px; height: 15px; }

/* ---------- 5-step apply wizard ---------- */
.stepper {
  display: flex;
  justify-content: space-between;
  list-style: none;
  padding: 0;
  margin: 0 0 64px;
  position: relative;
}
.stepper::before {
  content: "";
  position: absolute;
  top: 22px;
  left: 28px;
  right: 28px;
  height: 1px;
  background: var(--line-dark);
  z-index: 0;
}
.stepper .step {
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 12px;
  position: relative;
  z-index: 1;
  background: var(--paper);
  padding: 0 6px;
  cursor: pointer;
  flex: 1;
  min-width: 0;
}
.stepper .num {
  width: 44px;
  height: 44px;
  border-radius: 50%;
  border: 1px solid var(--line-dark);
  display: flex;
  align-items: center;
  justify-content: center;
  font-family: var(--serif);
  font-size: 18px;
  background: var(--paper);
  color: var(--ink);
  transition: all .25s;
}
.stepper .step.active .num,
.stepper .step.done .num {
  background: var(--black);
  color: #fff;
  border-color: var(--black);
}
.stepper .label {
  font-size: 10px;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--mute);
  text-align: center;
}
.stepper .step.active .label { color: var(--ink); }

.apply-step {
  border: none;
  padding: 0;
  margin: 0 0 48px;
}
body.js-ready .apply-step { display: none; }
body.js-ready .apply-step.active { display: block; }

.step-head {
  font-size: 11px;
  letter-spacing: 0.32em;
  text-transform: uppercase;
  color: var(--mute);
  margin-bottom: 14px;
}
.step-title {
  font-family: var(--serif);
  font-weight: 300;
  font-size: clamp(28px, 4vw, 40px);
  line-height: 1.1;
  margin-bottom: 16px;
}
.step-lead {
  font-size: 17px;
  color: #555;
  line-height: 1.65;
  margin-bottom: 44px;
  max-width: 60ch;
}
.step-actions {
  display: flex;
  justify-content: space-between;
  margin-top: 50px;
  padding-top: 30px;
  border-top: 1px solid var(--line-dark);
  gap: 16px;
  flex-wrap: wrap;
}
.step-actions-end { justify-content: flex-end; }

@media (max-width: 700px) {
  .stepper .label { display: none; }
  .stepper::before { left: 22px; right: 22px; }
}

/* ---------- Mobile ---------- */
@media (max-width: 900px) {
  /* keep topbar visible on mobile but trim it */
  .topbar { font-size: 11px; }
  .topbar > .wrap { padding: 8px 16px; }
  .topbar .wrap > div:first-child { display: none; } /* hide "WESTMONT LENDING" label */
  .topbar .meta { gap: 14px; justify-content: flex-end; flex: 1; }
  .topbar .meta a:not(.topbar-cta):not([aria-label]) { display: none; } /* hide phone/email text on mobile, keep icons */
  .topbar-cta { display: none; } /* "Apply Now" lives in burger drawer on mobile */
  .topbar-socials { padding-left: 0; margin-left: 0; }
  .topbar-socials::before { display: none; }
  .nav {
    grid-template-columns: auto auto;
    justify-content: space-between;
    gap: 16px;
    padding: 16px 22px;
  }
  .wrap, .wrap-tight { padding: 0 24px; }

  .brand {
    grid-column: 1;
    grid-row: 1;
    justify-self: start;
    flex-direction: row;
    text-align: left;
    gap: 12px;
  }
  .brand img { width: 46px; height: 37px; object-fit: contain; }
  .brand-text { align-items: flex-start; }
  .brand-text .name { font-size: 15px; letter-spacing: 0.24em; padding-left: 0; }
  .brand-text .tag { font-size: 8px; letter-spacing: 0.36em; padding-left: 0; margin-top: 5px; }

  .nav-toggle {
    display: inline-flex;
    grid-column: 2;
    grid-row: 1;
    justify-self: end;
    background: transparent;
    border: 1px solid rgba(255,255,255,0.2);
    color: #fff;
    width: 46px;
    height: 46px;
    padding: 0;
    align-items: center;
    justify-content: center;
    cursor: pointer;
  }
  .nav-toggle::before {
    content: "";
    width: 20px;
    height: 12px;
    background:
      linear-gradient(#fff, #fff) top left / 100% 1.5px no-repeat,
      linear-gradient(#fff, #fff) left center / 100% 1.5px no-repeat,
      linear-gradient(#fff, #fff) bottom left / 100% 1.5px no-repeat;
  }
  .nav-toggle { font-size: 0; }

  .nav-left, .nav-right { display: none !important; }
  .hero { padding: 80px 0 100px; }
  section { padding: 70px 0; }
  .props, .cards, .calc-grid, .split { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 32px; }
  .form-grid { grid-template-columns: 1fr; }
  .topbar .meta { display: none; }
}
@media (max-width: 540px) {
  .footer-grid { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .hero-actions .btn { text-align: center; }
}

/* ---------- Mobile slide-in drawer ---------- */
.mobile-drawer {
  position: fixed;
  top: 0;
  right: 0;
  bottom: 0;
  width: min(86vw, 360px);
  background: var(--black);
  padding: 88px 36px 36px;
  display: flex;
  flex-direction: column;
  gap: 22px;
  z-index: 200;
  transform: translateX(100%);
  transition: transform 0.4s cubic-bezier(0.4, 0, 0.2, 1);
  border-left: 1px solid var(--line);
  overflow-y: auto;
  visibility: hidden;
}
.mobile-drawer.open {
  transform: translateX(0);
  visibility: visible;
}
.drawer-close {
  position: absolute;
  top: 22px;
  right: 22px;
  background: transparent;
  border: 1px solid rgba(255,255,255,0.2);
  color: #fff;
  width: 40px;
  height: 40px;
  border-radius: 50%;
  font-size: 22px;
  font-family: var(--sans);
  font-weight: 300;
  line-height: 1;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
}
.drawer-close:hover { background: rgba(255,255,255,0.06); }
.drawer-links {
  display: flex;
  flex-direction: column;
  gap: 22px;
}
.drawer-links a {
  font-family: var(--serif);
  font-size: 26px;
  font-weight: 300;
  letter-spacing: 0.01em;
  color: #fff;
  text-transform: none;
  border: none;
  padding: 0;
  display: block;
  transition: opacity 0.2s;
}
.drawer-links a:hover { opacity: 0.65; }
.drawer-links a.active { color: var(--silver); font-style: italic; }
.drawer-links a.active::after { display: none; }
.drawer-meta {
  margin-top: auto;
  padding-top: 28px;
  border-top: 1px solid var(--line);
  display: flex;
  flex-direction: column;
  gap: 12px;
}
.drawer-meta a {
  font-family: var(--sans);
  font-size: 13px;
  letter-spacing: 0.1em;
  color: var(--silver);
}
.drawer-meta a.drawer-apply {
  color: #fff;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  font-size: 12px;
  margin-top: 14px;
  padding-top: 18px;
  border-top: 1px solid var(--line);
}
.drawer-socials {
  display: flex;
  gap: 12px;
  margin-top: 22px;
}
.drawer-socials a {
  display: inline-flex;
  width: 40px;
  height: 40px;
  border: 1px solid var(--line);
  border-radius: 50%;
  align-items: center;
  justify-content: center;
  color: var(--silver);
  transition: color 0.2s, border-color 0.2s, background 0.2s;
}
.drawer-socials a:hover {
  color: #fff;
  border-color: rgba(255,255,255,0.45);
  background: rgba(255,255,255,0.05);
}
.drawer-socials svg { width: 16px; height: 16px; }
.drawer-backdrop {
  position: fixed;
  inset: 0;
  background: rgba(0,0,0,0.6);
  z-index: 150;
  opacity: 0;
  pointer-events: none;
  transition: opacity 0.3s;
}
.drawer-backdrop.open { opacity: 1; pointer-events: auto; }
body.drawer-open { overflow: hidden; }