/* Reliable Roots — v2 */
:root {
  --slate: #2f4858;
  --slate-deep: #23384a;
  --sun: #e8912d;
  --sun-dark: #cf7d1f;
  --cream: #fffdf9;
  --mist: #eef3f5;
  --ink: #23303a;
  --muted: #5f6b74;
  --line: #d9e0e4;
  --good: #2e8b57;
  --bad: #c0392b;
  --max: 1120px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Nunito Sans", "Segoe UI", Helvetica, Arial, sans-serif;
  font-size: 17px;
  line-height: 1.6;
  color: var(--ink);
  background: var(--cream);
}
h1, h2, h3 { font-family: "Montserrat", "Helvetica Neue", Arial, sans-serif; font-weight: 800; line-height: 1.15; margin: 0 0 .5em; color: var(--slate); letter-spacing: -.01em; text-wrap: balance; }
h1 { font-size: clamp(2rem, 4.4vw, 3rem); }
h2 { font-size: clamp(1.55rem, 3vw, 2.15rem); }
h3 { font-size: 1.15rem; font-weight: 700; }
p { margin: 0 0 1em; }
a { color: var(--slate); }
strong { color: var(--slate); }
.wrap { max-width: var(--max); margin: 0 auto; padding: 0 22px; }
.hand { font-family: "Caveat", cursive; font-size: 1.5em; color: var(--sun-dark); }
.phone { white-space: nowrap; font-weight: 800; color: var(--slate); text-decoration: none; }

/* header */
header.top { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 5; }
header.top .wrap { display: flex; align-items: center; justify-content: space-between; gap: 14px; padding-block: 12px; flex-wrap: wrap; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--slate); font-family: "Montserrat", sans-serif; font-weight: 800; font-size: 1.25rem; }
.brand .mark { width: 40px; height: 40px; border-radius: 8px; background: var(--slate); display: grid; place-items: center; }
.brand .mark svg { width: 26px; height: 26px; }
.brand small { display: block; font-family: "Nunito Sans", sans-serif; font-weight: 600; font-size: .7rem; color: var(--muted); letter-spacing: .06em; text-transform: uppercase; }
nav { display: flex; align-items: center; gap: 18px; }
nav a { text-decoration: none; color: var(--slate); font-weight: 700; font-size: .92rem; }
nav .cta { background: var(--sun); color: #fff; padding: 10px 16px; border-radius: 6px; }
nav .cta:hover { background: var(--sun-dark); }

/* hero band */
.hero { background: var(--slate); color: #fff; padding-block: 56px 40px; position: relative; overflow: hidden; }
.hero::after { content: ""; position: absolute; right: -120px; top: -120px; width: 420px; height: 420px; border-radius: 50%; background: rgba(255,255,255,.04); }
.hero .wrap { display: grid; grid-template-columns: 1.05fr .95fr; gap: 44px; align-items: start; position: relative; }
.hero h1 { color: #fff; }
.hero .kicker { font-family: "Caveat", cursive; font-size: 1.6rem; color: #f5c78a; margin-bottom: 6px; }
.hero .lede { font-size: 1.15rem; color: #dbe5eb; max-width: 32rem; }
.hero .bullets { list-style: none; padding: 0; margin: 20px 0 0; display: grid; gap: 8px; }
.hero .bullets li { display: flex; gap: 10px; align-items: flex-start; color: #eef3f5; }
.hero strong, .cta-band strong, .hero a { color: #fff; }
.hero .card a, .cta-band .card a, .card strong { color: var(--slate); }
.hero .bullets svg { flex: 0 0 22px; width: 22px; height: 22px; margin-top: 2px; }
.hero .callrow { margin-top: 26px; display: flex; gap: 14px; align-items: center; flex-wrap: wrap; }
.hero .callrow a.big { background: #fff; color: var(--slate); text-decoration: none; font-family: "Montserrat", sans-serif; font-weight: 800; font-size: 1.25rem; padding: 12px 18px; border-radius: 8px; }
.hero .callrow span { color: #c9d6de; font-size: .95rem; }

/* form card */
.card { background: #fff; color: var(--ink); border-radius: 12px; padding: 26px 26px 22px; box-shadow: 0 18px 50px rgba(0,0,0,.18); }
.card h3 { margin-bottom: 4px; }
.card .sub { color: var(--muted); font-size: .92rem; margin-bottom: 14px; }
form .row { display: grid; gap: 12px; grid-template-columns: 1fr 1fr; margin-bottom: 12px; }
form .row.one { grid-template-columns: 1fr; }
label { display: block; font-weight: 700; font-size: .85rem; margin-bottom: 5px; color: var(--slate); }
input[type=text], input[type=tel], input[type=email], select, textarea {
  width: 100%; padding: 12px 12px; border: 1.5px solid var(--line); border-radius: 7px; font: inherit; background: #fff; color: var(--ink);
}
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(232,145,45,.28); border-color: var(--sun); }
.consent { display: grid; grid-template-columns: 20px 1fr; gap: 10px; align-items: start; font-size: .78rem; line-height: 1.45; color: var(--muted); margin: 10px 0; }
.consent input { width: 18px; height: 18px; margin-top: 2px; accent-color: var(--sun); }
.btn { display: inline-block; background: var(--sun); color: #fff; border: 0; border-radius: 7px; padding: 14px 22px; font: inherit; font-family: "Montserrat", sans-serif; font-weight: 800; font-size: 1rem; cursor: pointer; text-decoration: none; }
.btn:hover { background: var(--sun-dark); }
.btn.wide { width: 100%; text-align: center; margin-top: 6px; }
.fine { font-size: .78rem; color: var(--muted); margin: 10px 0 0; }

/* sections */
section { padding-block: 56px; }
section.mist { background: var(--mist); }
.two { display: grid; grid-template-columns: 1fr 1fr; gap: 44px; align-items: center; }
.frame { background: #fff; padding: 12px 12px 40px; box-shadow: 0 10px 30px rgba(35,48,58,.14); transform: rotate(-1.5deg); border-radius: 4px; position: relative; }
.frame .img { background: linear-gradient(160deg, #d8e3ea, #b9cad5); aspect-ratio: 4 / 3; border-radius: 2px; display: grid; place-items: center; color: var(--slate); font-weight: 700; text-align: center; padding: 20px; }
.frame .cap { position: absolute; left: 0; right: 0; bottom: 10px; text-align: center; font-family: "Caveat", cursive; font-size: 1.35rem; color: var(--slate); }
.frame.b { transform: rotate(2deg); margin-top: -20px; margin-left: 40px; }
.note { background: #fff; border-left: 5px solid var(--sun); padding: 26px 28px; border-radius: 6px; box-shadow: 0 6px 24px rgba(35,48,58,.08); }
.note .sig { font-family: "Caveat", cursive; font-size: 2rem; color: var(--slate); margin-top: 8px; }

/* steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; margin-top: 12px; position: relative; }
.step { background: #fff; border-radius: 12px; padding: 24px 22px 22px; border: 1px solid var(--line); position: relative; }
.step .n { width: 44px; height: 44px; border-radius: 50%; background: var(--sun); color: #fff; font-family: "Montserrat", sans-serif; font-weight: 800; display: grid; place-items: center; margin-bottom: 12px; font-size: 1.1rem; }
.step p { margin: 0; color: var(--muted); }

/* compare */
table.compare { width: 100%; border-collapse: collapse; background: #fff; border-radius: 12px; overflow: hidden; box-shadow: 0 6px 24px rgba(35,48,58,.08); }
table.compare th { text-align: left; padding: 16px 18px; font-family: "Montserrat", sans-serif; font-size: 1rem; }
table.compare th:first-child { background: var(--slate); color: #fff; }
table.compare th:last-child { background: var(--mist); color: var(--slate); }
table.compare td { padding: 14px 18px; border-top: 1px solid var(--line); vertical-align: top; }
table.compare td:first-child { font-weight: 700; color: var(--slate); }
table.compare td:last-child { color: var(--muted); }
.yes::before { content: "✔"; color: var(--good); font-weight: 900; margin-right: 8px; }
.no::before { content: "✖"; color: var(--bad); font-weight: 900; margin-right: 8px; }

/* situations */
.tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 12px; }
.tile { background: #fff; border-radius: 12px; padding: 20px; border: 1px solid var(--line); }
.tile h3 { font-size: 1.02rem; margin-bottom: 6px; }
.tile p { margin: 0; color: var(--muted); font-size: .95rem; }

/* promises */
.promises { list-style: none; padding: 0; margin: 12px 0 0; display: grid; grid-template-columns: 1fr 1fr; gap: 12px 26px; }
.promises li { display: flex; gap: 12px; align-items: flex-start; }
.promises svg { flex: 0 0 24px; width: 24px; height: 24px; margin-top: 2px; }

/* faq */
.faq { max-width: 820px; }
.faq details { background: #fff; border: 1px solid var(--line); border-radius: 10px; padding: 14px 18px; margin-bottom: 10px; }
.faq summary { cursor: pointer; font-weight: 800; color: var(--slate); font-family: "Montserrat", sans-serif; font-size: .98rem; }
.faq summary::marker { color: var(--sun); }
.faq p { margin: 10px 0 0; color: var(--muted); }

/* bottom cta */
.cta-band { background: var(--slate); color: #fff; }
.cta-band h2 { color: #fff; }
.cta-band .wrap { display: grid; grid-template-columns: 1fr 1fr; gap: 44px; align-items: start; }
.cta-band p { color: #dbe5eb; }
.cta-band .bigphone { font-family: "Montserrat", sans-serif; font-weight: 800; font-size: 2rem; color: #fff; text-decoration: none; }

footer { background: var(--slate-deep); color: #c9d6de; padding-block: 30px; font-size: .86rem; }
footer a { color: #fff; }
footer .wrap { display: grid; gap: 10px; }
footer .sms { font-size: .8rem; color: #a9bac6; max-width: 62rem; }

/* legal pages */
.legal { max-width: 760px; margin: 0 auto; padding: 40px 22px 60px; }
.legal h1 { font-size: 2.1rem; }
.legal h2 { font-size: 1.3rem; margin-top: 1.6em; }
.legal .updated { color: var(--muted); font-size: .9rem; }
.eyebrow { font-family: "Caveat", cursive; font-size: 1.45rem; color: var(--sun-dark); margin-bottom: 4px; }

@media (max-width: 900px) {
  .hero .wrap, .two, .cta-band .wrap, .steps, .tiles, .promises { grid-template-columns: 1fr; }
  form .row { grid-template-columns: 1fr; }
  .frame.b { margin-left: 0; margin-top: 18px; }
  .hero { padding-block: 34px 28px; }
  nav { gap: 12px; }
  nav a:not(.cta) { display: none; }
}


/* real photos */
.frame img { display: block; width: 100%; height: auto; border-radius: 2px; }
.frame.pair .pairgrid { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; }
.frame.pair .pairgrid img { aspect-ratio: 4 / 3; object-fit: cover; }
.frame.pair .pairgrid img:first-child { filter: saturate(.9); }
.frames { display: grid; gap: 0; }
.sigrow { display: flex; align-items: center; gap: 14px; margin-top: 10px; }
.sigrow img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; object-position: center 20%; border: 3px solid var(--mist); }
.sigrow .sig { margin-top: 0; line-height: 1; }
.sigsub { font-size: .85rem; color: var(--muted); margin-top: 4px; }
.where { margin-top: 18px; color: var(--muted); }
.two.photos { align-items: start; }

/* guide + foreclosure pages */
.page-hero { background: var(--slate); color: #fff; padding-block: 44px 34px; }
.page-hero h1 { color: #fff; max-width: 22ch; }
.page-hero .kicker { font-family: "Caveat", cursive; font-size: 1.6rem; color: #f5c78a; margin-bottom: 6px; }
.page-hero p { color: #dbe5eb; max-width: 40rem; font-size: 1.08rem; }
.page-hero .actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 16px; }
.page-hero .ghost { display: inline-block; border: 2px solid rgba(255,255,255,.6); color: #fff; text-decoration: none; padding: 12px 18px; border-radius: 7px; font-weight: 700; }
.toc { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 64px; z-index: 4; }
.toc .wrap { display: flex; gap: 6px; overflow-x: auto; padding-block: 10px; scrollbar-width: none; }
.toc a { white-space: nowrap; text-decoration: none; color: var(--slate); font-weight: 700; font-size: .86rem; padding: 7px 12px; border-radius: 999px; background: var(--mist); }
.toc a:hover { background: #dfe8ec; }
article section { padding-block: 44px; }
.prose { max-width: 760px; }
.prose p, .prose li { font-size: 1.05rem; }
.stepno { display: inline-grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--sun); color: #fff; font-family: "Montserrat", sans-serif; font-weight: 800; margin-right: 10px; vertical-align: middle; }
.check { list-style: none; padding: 0; margin: 12px 0 0; display: grid; gap: 9px; }
.check li { display: flex; gap: 10px; align-items: flex-start; }
.check li::before { content: ""; flex: 0 0 22px; width: 22px; height: 22px; margin-top: 2px; border-radius: 6px; background: var(--slate) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l3.5 3.5L18 8' stroke='%23fff' stroke-width='2.6' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat; }
.check.grid { grid-template-columns: 1fr 1fr; }
.callout { background: #fff; border-left: 5px solid var(--sun); border-radius: 6px; padding: 18px 22px; box-shadow: 0 6px 24px rgba(35,48,58,.08); margin: 18px 0; }
.callout.warn { border-left-color: var(--bad); }
.callout.calm { border-left-color: var(--good); }
.sendbox { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 14px 0; }
.sendbox > div { background: var(--mist); border-radius: 10px; padding: 16px 18px; }
.sendbox a { font-weight: 800; text-decoration: none; }
table.plain { width: 100%; border-collapse: collapse; background: #fff; border-radius: 10px; overflow: hidden; box-shadow: 0 6px 24px rgba(35,48,58,.08); margin-top: 12px; }
table.plain th, table.plain td { text-align: left; padding: 12px 16px; border-top: 1px solid var(--line); vertical-align: top; }
table.plain th { background: var(--slate); color: #fff; border: 0; font-family: "Montserrat", sans-serif; font-size: .95rem; }
table.plain td:first-child { font-weight: 700; color: var(--slate); white-space: nowrap; }
.states { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 12px; }
.state { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 20px; }
.state h3 { display: flex; align-items: center; gap: 8px; }
.state ul { padding-left: 18px; margin: 8px 0 0; color: var(--muted); }
.state li { margin-bottom: 6px; }
.options { display: grid; gap: 16px; margin-top: 12px; }
.option { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 20px 22px; display: grid; grid-template-columns: 52px 1fr; gap: 14px; }
.option .n { width: 44px; height: 44px; border-radius: 50%; background: var(--slate); color: #fff; font-family: "Montserrat", sans-serif; font-weight: 800; display: grid; place-items: center; font-size: 1.1rem; }
.option p { margin: 6px 0 0; color: var(--muted); }
.tag { display: inline-block; font-size: .78rem; font-weight: 800; letter-spacing: .04em; text-transform: uppercase; padding: 4px 9px; border-radius: 999px; background: #e7f3ec; color: #1f6b43; margin-top: 10px; }
.tag.amber { background: #fdf0dd; color: #9a5b12; }
.helpgrid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; margin-top: 12px; }
.help { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 18px; }
.help h3 { font-size: 1rem; margin-bottom: 8px; }
.help p { margin: 0 0 8px; font-size: .95rem; color: var(--muted); }
.help a.tel { font-family: "Montserrat", sans-serif; font-weight: 800; color: var(--slate); text-decoration: none; }
.never { list-style: none; padding: 0; margin: 12px 0 0; display: grid; gap: 8px; }
.never li { display: flex; gap: 10px; align-items: flex-start; }
.never li::before { content: "✖"; color: var(--bad); font-weight: 900; margin-top: 2px; }
.disclaimer { font-size: .85rem; color: var(--muted); border-top: 1px solid var(--line); padding-top: 16px; margin-top: 10px; }
.share { background: var(--mist); border-radius: 10px; padding: 14px 18px; font-size: .95rem; color: var(--muted); }
.share code { background: #fff; padding: 2px 6px; border-radius: 4px; color: var(--slate); font-size: .9rem; }
@media (max-width: 900px) {
  .check.grid, .sendbox, .states, .helpgrid { grid-template-columns: 1fr; }
  .toc { top: 58px; }
  .option { grid-template-columns: 1fr; }
}

/* anchors land below the sticky header + section chips */
section[id], article section[id] { scroll-margin-top: 118px; }