/* ===== THL enhancement layer — motion + interactive elements =====
   Each option maps its palette onto these normalized vars:
   --acc  --acc2  --card  --ink2  --muted  --line2  --rad  --paper2  */

.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s cubic-bezier(.2,.7,.2,1),transform .7s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}
.enh-in{animation:enhIn .85s cubic-bezier(.2,.7,.2,1) both}
.enh-in:nth-child(2){animation-delay:.06s}.enh-in:nth-child(3){animation-delay:.12s}
@keyframes enhIn{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
header{transition:box-shadow .3s ease}
header.shrink{box-shadow:0 8px 30px -20px rgba(0,0,0,.5)}
/* floating call button (mobile) */
.fab{position:fixed;left:16px;bottom:16px;z-index:70;display:inline-flex;align-items:center;gap:9px;background:var(--acc);color:#fff!important;font-weight:600;font-size:.9rem;padding:.8em 1.15em;border-radius:999px;box-shadow:0 16px 36px -12px rgba(0,0,0,.5);text-decoration:none;opacity:0;transform:translateY(26px) scale(.96);transition:.35s cubic-bezier(.2,.7,.2,1);pointer-events:none}
.fab.show{opacity:1;transform:none;pointer-events:auto}
.fab svg{width:17px;height:17px}
@media(min-width:901px){.fab{display:none}}
.btn-acc{display:inline-flex;align-items:center;gap:.5em;font-weight:600;font-size:.95rem;padding:.85em 1.5em;border-radius:999px;background:var(--acc);color:#fff!important;border:0;cursor:pointer;transition:.2s;text-decoration:none;white-space:nowrap}
.btn-acc:hover{filter:brightness(1.07);transform:translateY(-2px)}

/* ---- lender marquee ---- */
.marq{background:var(--card);border-top:1px solid var(--line2);border-bottom:1px solid var(--line2);padding:28px 0;overflow:hidden}
.marq-label{text-align:center;font-size:.74rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);margin-bottom:18px}
.marq-mask{overflow:hidden;-webkit-mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent);mask-image:linear-gradient(90deg,transparent,#000 7%,#000 93%,transparent)}
.marq-track{display:flex;gap:52px;width:max-content;align-items:center;animation:marqScroll 44s linear infinite}
.marq:hover .marq-track{animation-play-state:paused}
.marq-track span{white-space:nowrap;font-weight:700;font-size:1.18rem;color:var(--ink2);opacity:.42}
@keyframes marqScroll{to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.marq-track{animation:none}}

/* ---- shared card scaffold for interactive tools ---- */
.tool-card{display:grid;grid-template-columns:1.05fr .95fr;background:var(--card);border:1px solid var(--line2);border-radius:calc(var(--rad) + 8px);overflow:hidden;box-shadow:0 40px 80px -46px rgba(0,0,0,.4)}
.tool-controls{padding:42px}
.tool-result{background:var(--ink2);color:#fff;padding:42px;display:flex;flex-direction:column;justify-content:center}
.cx-field{margin-bottom:26px}.cx-field:last-of-type{margin-bottom:16px}
.cx-field label{display:flex;justify-content:space-between;align-items:baseline;font-size:.92rem;color:var(--muted);margin-bottom:13px;font-weight:500}
.cx-field label b{font-size:1.16rem;color:var(--ink2);font-weight:700}
.cx-field input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:6px;border-radius:6px;background:var(--line2);outline:none;cursor:pointer}
.cx-field input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:var(--acc);cursor:pointer;box-shadow:0 3px 10px rgba(0,0,0,.28);border:3px solid #fff}
.cx-field input[type=range]::-moz-range-thumb{width:20px;height:20px;border-radius:50%;background:var(--acc);cursor:pointer;border:3px solid #fff}
.cx-note{font-size:.75rem;color:var(--muted);opacity:.8;margin:2px 0 0;line-height:1.5}
.tool-result .cx-note{color:#fff;opacity:.55}
.cx-cap{font-size:.76rem;letter-spacing:.16em;text-transform:uppercase;opacity:.6}
.cx-out{display:flex;align-items:flex-start;gap:3px;margin:12px 0 8px}
.cx-cur{font-size:1.7rem;margin-top:8px;color:var(--acc);font-weight:700}
.cx-out>span[id]{font-size:3.5rem;line-height:1;letter-spacing:-.02em;font-weight:800}
.cx-per{font-size:1.05rem;align-self:flex-end;margin-bottom:10px;opacity:.7}
.cx-sub{font-size:.92rem;opacity:.82;margin-bottom:22px}.cx-sub b{color:#fff}
.tool-result .btn-acc{align-self:flex-start;margin-bottom:14px}
.calc-tool{background:var(--paper2)}
.calcx{}
@media(max-width:820px){.tool-card{grid-template-columns:1fr}.tool-controls,.tool-result{padding:30px}.cx-out>span[id]{font-size:2.9rem}}

/* legacy alias for the calculator inserted inline in HTML */
.calcx{display:grid;grid-template-columns:1.05fr .95fr;background:var(--card);border:1px solid var(--line2);border-radius:calc(var(--rad) + 8px);overflow:hidden;box-shadow:0 40px 80px -46px rgba(0,0,0,.4)}
.calcx-controls{padding:42px}
.calcx-result{background:var(--ink2);color:#fff;padding:42px;display:flex;flex-direction:column;justify-content:center}
.calcx-result .cx-out #cxOut{font-size:3.6rem;line-height:1;letter-spacing:-.02em;font-weight:800}
@media(max-width:820px){.calcx{grid-template-columns:1fr}.calcx-controls,.calcx-result{padding:30px}.calcx-result .cx-out #cxOut{font-size:3rem}}

/* ---- FAQ ---- */
.faqx{max-width:800px;margin:0 auto}
.faqx details{border:1px solid var(--line2);border-radius:var(--rad);background:var(--card);margin-bottom:12px;overflow:hidden}
.faqx details[open]{box-shadow:0 20px 48px -30px rgba(0,0,0,.4)}
.faqx summary{list-style:none;cursor:pointer;padding:21px 24px;font-weight:600;font-size:1.04rem;color:var(--ink2);display:flex;justify-content:space-between;align-items:center;gap:16px}
.faqx summary::-webkit-details-marker{display:none}
.faqx summary i{flex:none;width:20px;height:20px;position:relative}
.faqx summary i:before,.faqx summary i:after{content:"";position:absolute;background:var(--acc);border-radius:2px}
.faqx summary i:before{top:9px;left:1px;width:18px;height:2px}
.faqx summary i:after{top:1px;left:9px;width:2px;height:18px;transition:transform .25s,opacity .25s}
.faqx details[open] summary i:after{transform:rotate(90deg);opacity:0}
.faqx details>div{padding:0 24px 22px;color:var(--muted);line-height:1.68;font-size:.98rem}

/* ---- refinance savings visualiser ---- */
.refi-compare{margin-top:8px}
.rf-bar{display:flex;justify-content:space-between;align-items:center;padding:12px 16px;border-radius:12px;margin-bottom:10px;font-size:.9rem;font-weight:600}
.rf-now{background:var(--line2);color:var(--ink2)}
.rf-new{background:color-mix(in srgb,var(--acc) 16%,#fff);color:var(--ink2);border:1px solid var(--acc)}
.rf-bar b{font-size:1.05rem}

/* ---- Google reviews ---- */
.rv-agg{margin-top:14px;font-size:1rem;color:var(--muted);display:flex;align-items:center;gap:8px;justify-content:center;flex-wrap:wrap}
.rv-stars{color:#F5B301;letter-spacing:2px;font-size:1.1rem}
.g-logo{font-weight:700}.g-b{color:#4285F4}.g-r{color:#EA4335}.g-y{color:#FBBC05}.g-g{color:#34A853}
.rv-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:8px}
.rv-card{background:var(--card);border:1px solid var(--line2);border-radius:var(--rad);padding:22px;display:flex;flex-direction:column;gap:10px}
.rv-top{display:flex;align-items:center;gap:10px}
.rv-av{width:38px;height:38px;border-radius:50%;background:var(--acc);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;flex:none}
.rv-name{font-weight:700;color:var(--ink2);font-size:.95rem;line-height:1.1}
.rv-date{font-size:.78rem;color:var(--muted)}
.rv-card .rv-stars{font-size:.95rem}
.rv-text{font-size:.9rem;color:var(--muted);line-height:1.6;margin:0}
@media(max-width:900px){.rv-grid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.rv-grid{grid-template-columns:1fr}}

/* ---- booking calendar ---- */
.book-card{max-width:760px;margin:0 auto;background:var(--card);border:1px solid var(--line2);border-radius:calc(var(--rad) + 6px);padding:30px;box-shadow:0 30px 70px -46px rgba(0,0,0,.35)}
.book-days{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:22px}
.book-days button{flex:1;min-width:96px;background:var(--paper2);border:1px solid var(--line2);border-radius:14px;padding:12px 8px;cursor:pointer;text-align:center;transition:.15s;font-family:inherit;color:var(--ink2)}
.book-days button .d-dow{display:block;font-size:.74rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.book-days button .d-num{display:block;font-size:1.3rem;font-weight:700;margin-top:2px}
.book-days button.sel{background:var(--acc);border-color:var(--acc);color:#fff}
.book-days button.sel .d-dow{color:rgba(255,255,255,.8)}
.book-slots{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:20px}
.book-slots button{background:#fff;border:1px solid var(--line2);border-radius:999px;padding:9px 18px;cursor:pointer;font-weight:600;font-size:.9rem;color:var(--ink2);font-family:inherit;transition:.15s}
.book-slots button:hover{border-color:var(--acc)}
.book-slots button.sel{background:var(--acc);border-color:var(--acc);color:#fff}
.book-hint{color:var(--muted);font-size:.9rem}
.book-confirm{background:color-mix(in srgb,var(--acc) 12%,#fff);border:1px solid var(--acc);border-radius:14px;padding:16px 20px;color:var(--ink2);font-weight:600;display:flex;align-items:center;gap:12px;flex-wrap:wrap}
.book-confirm .btn-acc{margin-left:auto}

/* ---- "Ask SCF" AI helper ---- */
.ask-btn{position:fixed;right:16px;bottom:16px;z-index:71;display:inline-flex;align-items:center;gap:8px;background:var(--acc);color:#fff;border:0;font-family:inherit;font-weight:600;font-size:.92rem;padding:.8em 1.2em;border-radius:999px;box-shadow:0 16px 36px -12px rgba(0,0,0,.5);cursor:pointer;transition:.2s}
.ask-btn:hover{filter:brightness(1.08);transform:translateY(-2px)}
.ask-btn svg{width:18px;height:18px}
.ask-panel{position:fixed;right:16px;bottom:74px;z-index:72;width:360px;max-width:calc(100vw - 32px);background:#fff;border:1px solid var(--line2);border-radius:18px;box-shadow:0 30px 80px -30px rgba(0,0,0,.5);overflow:hidden;display:none;flex-direction:column}
.ask-panel.open{display:flex;animation:enhIn .3s both}
.ask-head{background:var(--ink2);color:#fff;padding:14px 18px;font-weight:700;display:flex;align-items:center;gap:8px}
.ask-head span{font-weight:500;font-size:.72rem;opacity:.7;background:rgba(255,255,255,.14);padding:2px 8px;border-radius:999px}
.ask-x{margin-left:auto;background:none;border:0;color:#fff;font-size:1.3rem;cursor:pointer;line-height:1}
.ask-body{padding:16px;max-height:340px;overflow-y:auto;display:flex;flex-direction:column;gap:10px;background:var(--paper2)}
.ask-msg{padding:11px 14px;border-radius:14px;font-size:.9rem;line-height:1.5;max-width:85%}
.ask-msg.bot{background:#fff;border:1px solid var(--line2);color:var(--ink2);align-self:flex-start;border-bottom-left-radius:4px}
.ask-msg.user{background:var(--acc);color:#fff;align-self:flex-end;border-bottom-right-radius:4px}
.ask-chips{display:flex;flex-wrap:wrap;gap:8px}
.ask-chips button{background:#fff;border:1px solid var(--acc);color:var(--acc);border-radius:999px;padding:7px 13px;font-size:.82rem;font-weight:600;cursor:pointer;font-family:inherit;transition:.15s}
.ask-chips button:hover{background:var(--acc);color:#fff}
.ask-input{display:flex;gap:8px;padding:12px;border-top:1px solid var(--line2);background:#fff}
.ask-input input{flex:1;border:1px solid var(--line2);border-radius:999px;padding:10px 16px;font-family:inherit;font-size:.9rem;outline:none}
.ask-input input:focus{border-color:var(--acc)}
.ask-input button{background:var(--acc);color:#fff;border:0;width:40px;border-radius:50%;cursor:pointer;font-size:1.1rem}
@media(max-width:520px){.ask-btn span.lbl{display:none}}