@import url('https://fonts.googleapis.com/css2?family=Mozilla+Text:wght@200..700&family=Open+Sans:ital,wght@0,300..800;1,300..800&display=swap');
@import url('https://fonts.googleapis.com/css2?family=Open+Sans:ital,wght@0,300..800;1,300..800&display=swap');
@import url('https://fonts.googleapis.com/css2?family=Mozilla+Text:wght@200..700&family=Open+Sans:ital,wght@0,300..800;1,300..800&family=Source+Sans+3:ital,wght@0,200..900;1,200..900&display=swap');

.nav-links a,
.nav-logo,
.topbar a {
    text-decoration: none;
}

/* --- DASHBOARD STYLES --- */
.dashboard-bg { background-color: #f1f5f9; }

.dashboard-header {
    background: var(--navy-dark);
    color: #fff;
    padding: 40px 0;
    border-bottom: 4px solid var(--gold);
}

.dashboard-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: -30px; /* Pulls cards up into the header slightly */
}

/* 2026 Modern Card Style */
.dash-card {
    background: rgba(255, 255, 255, 0.7);
    backdrop-filter: blur(12px);
    border: 1px solid rgba(255, 255, 255, 0.3);
    box-shadow: 0 8px 32px 0 rgba(31, 38, 135, 0.07);
    border-radius: 20px; /* Softer, rounder corners */
}

.stat-card { text-align: center; }
.stat-header { font-size: 12px; text-transform: uppercase; letter-spacing: 1px; color: var(--text-muted); }
.stat-value { font-size: 36px; font-weight: 800; margin: 10px 0; color: var(--navy); }
.stat-desc { font-size: 13px; margin-bottom: 15px; }

/* SOCIAL BUTTON FIXES */
.social-btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    padding: 10px 20px;
    border-radius: 6px;
    font-weight: 600;
    cursor: pointer;
    border: 1px solid #ddd;
    background: #fff;
    gap: 10px;
}

.social-btn.google i { color: #DB4437; }
.social-btn.facebook { background: #1877F2; color: #fff; border: none; }

.comp-item {
    display: flex;
    justify-content: space-between;
    padding: 10px 0;
    border-bottom: 1px solid #f1f5f9;
    font-size: 14px;
}

/* Timeline */
.timeline { list-style: none; padding: 0; margin-top: 20px; }
.timeline li { border-left: 2px solid #e2e8f0; padding-left: 20px; position: relative; padding-bottom: 20px; }
.timeline li.active { border-left-color: var(--gold); }
.timeline li::before { content: ''; position: absolute; left: -7px; top: 0; width: 12px; height: 12px; border-radius: 50%; background: #e2e8f0; }
.timeline li.active::before { background: var(--gold); }


/* ============================================================
       TIKTOK VIDEO CARD COMPONENT
       Used on senior-programs.html and pas-1-guide.html
       Clickable thumbnail that opens the TikTok in a new tab.
       ============================================================ */
 
    .video-card-tiktok {
      max-width: 320px;
      margin: 28px auto;
      border-radius: 14px;
      overflow: hidden;
      background: #fff;
      box-shadow: 0 4px 16px rgba(0, 0, 0, 0.08);
      transition: transform 0.25s ease, box-shadow 0.25s ease;
    }
 
    .video-card-tiktok:hover {
      transform: translateY(-4px);
      box-shadow: 0 10px 28px rgba(0, 0, 0, 0.16);
    }
 
    .video-thumb-link {
      display: block;
      position: relative;
      text-decoration: none;
      aspect-ratio: 9 / 16;       /* matches TikTok vertical format */
      overflow: hidden;
      background: #000;
    }
 
    .video-thumb-img {
      width: 100%;
      height: 100%;
      object-fit: cover;
      display: block;
      transition: transform 0.45s ease, filter 0.25s ease;
    }
 
    .video-card-tiktok:hover .video-thumb-img {
      transform: scale(1.04);
      filter: brightness(0.82);
    }
 
    .video-play-overlay {
      position: absolute;
      inset: 0;
      display: flex;
      align-items: center;
      justify-content: center;
      pointer-events: none;
    }
 
    .video-play-btn {
      width: 72px;
      height: 72px;
      border-radius: 50%;
      background: rgba(255, 255, 255, 0.95);
      display: flex;
      align-items: center;
      justify-content: center;
      box-shadow: 0 4px 18px rgba(0, 0, 0, 0.35);
      transition: transform 0.25s ease;
    }
 
    .video-card-tiktok:hover .video-play-btn {
      transform: scale(1.1);
    }
 
    .video-play-btn i {
      font-size: 28px;
      color: var(--navy, #0a2540);
      margin-left: 5px;            /* nudges play triangle to optical center */
    }
 
    .video-tiktok-badge {
      position: absolute;
      bottom: 12px;
      right: 12px;
      background: rgba(0, 0, 0, 0.78);
      color: #fff;
      padding: 6px 12px;
      border-radius: 20px;
      font-size: 12px;
      font-weight: 600;
      letter-spacing: 0.3px;
      display: flex;
      align-items: center;
      gap: 6px;
    }
 
    .video-card-caption {
      padding: 14px 18px 16px;
      display: flex;
      flex-direction: column;
      gap: 4px;
    }
 
    .video-card-caption strong {
      color: var(--navy, #0a2540);
      font-size: 15px;
      line-height: 1.3;
    }
 
    .video-card-caption span {
      color: var(--text-muted, #6b7280);
      font-size: 13px;
      line-height: 1.4;
    }
 
    /* On mobile, let the card breathe to full width but cap it. */
    @media (max-width: 600px) {
      .video-card-tiktok {
        max-width: 92%;
      }
    }

/* ============================================================
   FAQ + VIDEO TWO-COLUMN LAYOUT
   Desktop: FAQ on left, video on right
   Mobile (under 900px): FAQ on top, video below, centered
   ============================================================ */
.faq-with-video {
  display: flex;
  gap: 40px;
  align-items: flex-start;
}

.faq-with-video .faq-list {
  flex: 1 1 auto;
  max-width: 780px;
}

.faq-with-video .faq-video-side {
  flex: 0 0 320px;
}

/* Cancel the card's centering margin when it's in the sidebar */
.faq-with-video .faq-video-side .video-card-tiktok {
  margin: 0;
  max-width: 100%;
}

/* Mobile: stack vertically, center the video below FAQ */
@media (max-width: 900px) {
  .faq-with-video {
    flex-direction: column;
  }
  .faq-with-video .faq-video-side {
    flex: 1 1 100%;
    width: 100%;
  }
  .faq-with-video .faq-video-side .video-card-tiktok {
    max-width: 320px;
    margin: 0 auto;
  }
}

/* --- QUIZ PROMO RIBBON FIX --- */
.quiz-ribbon {
    background: #0a1837; /* Navy match */
    color: #fff;
    padding: 12px 20px;
    border-bottom: 3px solid #d4af37; /* Gold match */
    display: flex;
    justify-content: center;
    align-items: center;
    position: relative; /* Change to 'fixed' and add 'top: 0' if you want it to stay while scrolling */
    z-index: 9999; /* Ensures it stays above all other elements */
    width: 100%;
}

.quiz-ribbon-content {
    max-width: 1100px;
    display: flex;
    justify-content: center;
    align-items: center;
    gap: 15px;
    flex-wrap: wrap;
}

.quiz-badge {
    background: #d4af37;
    color: #0a1837;
    font-size: 10px;
    font-weight: 800;
    text-transform: uppercase;
    padding: 2px 8px;
    border-radius: 3px;
}

.quiz-ribbon p {
    font-size: 14px;
    margin: 0;
    font-family: 'Inter', sans-serif;
}

.quiz-btn {
    background: #d4af37;
    color: #0a1837;
    padding: 6px 15px;
    border-radius: 4px;
    font-size: 13px;
    font-weight: 700;
    text-decoration: none;
    transition: 0.3s;
}

.quiz-btn:hover {
    background: #fff;
    transform: scale(1.05);
}


/* Mobile Tweak */
@media (max-width: 768px) {
    .quiz-ribbon-content {
        gap: 12px;
    }
    .quiz-ribbon p {
        font-size: 14px;
        width: 100%;
    }
}

/* --- CENTERED TOWN DIRECTORY & SEARCH --- */
.town-section-container {
    max-width: 1100px; /* Aligns with your hero content */
    margin: 40px auto;
    padding: 0 20px;
}

.search-wrapper {
    max-width: 600px;
    margin: 0 auto 50px auto; /* Centers the search bar */
    position: relative;
}

#townSearch {
    width: 100%;
    padding: 16px 20px 16px 50px;
    border: 2px solid #e2e8f0;
    border-radius: 50px;
    font-size: 16px;
    outline: none;
    transition: all 0.3s ease;
    box-shadow: 0 4px 15px rgba(0,0,0,0.05);
}

#townSearch:focus {
    border-color: var(--gold);
    box-shadow: 0 6px 20px rgba(0,0,0,0.1);
}

/* Updated Directory Grid */
#townDirectory {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(320px, 1fr));
    gap: 30px;
    justify-content: center; /* Centers the cards if there are only a few */
}

.town-card {
    background: #fdfdfd;
    border: 1px solid #eef2f6;
    border-radius: 15px;
    padding: 40px 25px 25px 25px !important;
    text-align: center; /* Centers text inside the card */
    display: flex;
    flex-direction: column;
    transition: transform 0.2s, box-shadow 0.2s;
}

.town-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 25px rgba(26, 58, 107, 0.1);
}

/* Reval Badge Fix */
.reval-badge {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    background: #ff4d4d;
    color: white;
    text-align: center;
    padding: 8px;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    border-radius: 12px 12px 0 0;
}

.reval-badge {
    position: absolute;
    top: 0;
    left: 0;
    right: 0;
    background: #ff4d4d;
    color: white;
    font-size: 11px;
    font-weight: 700;
    text-transform: uppercase;
    text-align: center;
    padding: 10px;
    border-radius: 8px 8px 0 0;
}
#backToTop {
  display: none; /* Hidden by default */
  position: fixed;
  bottom: 90px; /* Sits above the checklist popup */
  right: 35px;
  z-index: 99;
  border: none;
  outline: none;
  background-color: var(--navy);
  color: white;
  cursor: pointer;
  padding: 15px;
  border-radius: 50%;
  width: 50px;
  height: 50px;
  box-shadow: 0 4px 10px rgba(0,0,0,0.3);
  transition: 0.3s;
}
#backToTop:hover {
  background-color: var(--gold);
  transform: translateY(-5px);
}
.hero-badge,
.mort-field label,
.section-label {
    text-transform: uppercase;
}
.footer-links,
.lead-points,
.qualify-checks,
.requirements-list,
.sidebar-list {
    list-style: none;
}
.btn-learn,
.btn-schedule,
.news-item,
.program-row-num,
.updated-tag {
    white-space: nowrap;
}

/* ============================================================
   SERVICES GATEWAY GRID (Professional & Pop)
   ============================================================ */
.services-gateway-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 20px;
    margin-top: 40px;
}

/* Base Card Styling */
.gateway-card {
    display: flex;
    flex-direction: column;
    align-items: center;
    text-align: center;
    text-decoration: none;
    padding: 40px 25px;
    border-radius: 12px;
    transition: all 0.3s ease;
    border: 1px solid var(--border);
    position: relative;
    overflow: hidden;
}

/* Subtle border 'glow' on hover */
.gateway-card:hover {
    transform: translateY(-5px);
    box-shadow: 0 10px 30px rgba(10, 24, 55, 0.15);
}

/* Icon Wrapper Styling */
.gateway-icon-wrap {
    width: 70px;
    height: 70px;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 20px;
    font-size: 28px;
    transition: transform 0.3s ease;
}

.gateway-card:hover .gateway-icon-wrap {
    transform: scale(1.1) rotate(5deg);
}

/* Content Styling */
.gateway-title {
    font-family: 'Playfair Display', serif;
    font-size: 19px;
    font-weight: 700;
    margin-bottom: 8px;
}

.gateway-desc {
    font-size: 14px;
    line-height: 1.6;
    margin-bottom: 20px;
}

.gateway-cta {
    font-size: 13px;
    font-weight: 600;
    display: inline-flex;
    align-items: center;
    gap: 6px;
}

/* ============================================================
   COLOR VARIANTS (The 'Pop')
   ============================================================ */

/* BLUE (Navy Theme) */
.gateway-card.blue {
    background: #f0f4fa; /* Very subtle light blue */
    border-color: #c0d0e8;
}
.gateway-card.blue .gateway-icon-wrap { background: var(--navy); color: #fff; }
.gateway-card.blue .gateway-title { color: var(--navy-dark); }
.gateway-card.blue .gateway-desc { color: var(--text-muted); }
.gateway-card.blue .gateway-cta { color: var(--navy); }
.gateway-card.blue:hover { border-color: var(--navy); }

/* GOLD (The Watchdog Accent) */
.gateway-card.gold {
    background: #fffdf5; /* Subtle gold tint */
    border-color: #f0e6b3;
}
.gateway-card.gold .gateway-icon-wrap { background: var(--gold); color: var(--navy-dark); }
.gateway-card.gold .gateway-title { color: var(--navy-dark); }
.gateway-card.gold .gateway-desc { color: var(--text-muted); }
.gateway-card.gold .gateway-cta { color: var(--gold); }
.gateway-card.gold:hover { border-color: var(--gold); }

/* GREEN (Success/Growth Theme) */
.gateway-card.green {
    background: #f0fdf4; /* Subtle green tint */
    border-color: #c3e6cb;
}
.gateway-card.green .gateway-icon-wrap { background: var(--green); color: #fff; }
.gateway-card.green .gateway-title { color: var(--navy-dark); }
.gateway-card.green .gateway-desc { color: var(--text-muted); }
.gateway-card.green .gateway-cta { color: var(--green); }
.gateway-card.green:hover { border-color: var(--green); }

/* ============================================================
   MOBILE RESPONSIVENESS
   ============================================================ */
@media (max-width: 992px) {
    .services-gateway-grid {
        grid-template-columns: 1fr; /* Stack on mobile */
        gap: 15px;
    }
    .gateway-card {
        padding: 30px 20px;
        flex-direction: row; /* Icon left, content right on mobile */
        text-align: left;
        align-items: flex-start;
    }
    .gateway-icon-wrap {
        margin-bottom: 0;
        margin-right: 20px;
        width: 50px; /* Smaller icon on mobile */
        height: 50px;
        font-size: 20px;
        flex-shrink: 0;
    }
}



:root {
    --navy: #1a3a6b;
    --navy-dark: #0e2248;
    --navy-light: #2a4f8f;
    --gold: #b8972a;
    --gold-light: #f5e9c4;
    --red: #c0392b;
    --green: #1e6b3a;
    --green-light: #e8f5ed;
    --bg: #f4f5f7;
    --bg-white: #ffffff;
    --text: #1a1a2e;
    --text-muted: #5a6070;
    --border: #d8dce8;
    --success: #2e7d52;
    --info-bg: #eaf0fb;
}
* {
    box-sizing: border-box;
    margin: 0;
    padding: 0;
}
body {
    font-family: "Source Sans 3", sans-serif;
    background: var(--bg);
    color: var(--text);
    font-size: 16px;
    line-height: 1.6;
}
h1,
h2,
h3,
h4 {
    font-family: "Open Sans", sans-serif;
    font-weight: 700;
}
.calc-container {
    display: grid;
    grid-template-columns: 1fr 320px;
    gap: 40px;
    align-items: start;
}
.calc-wrap {
    max-width: 680px;
    margin: 0;
}
.calc-sidebar {
    display: flex;
    flex-direction: column;
    gap: 20px;
}
.sidebar-agent-header {
    display: flex;
    align-items: center;
    gap: 15px;
    margin-bottom: 15px;
}
.sidebar-agent-img {
    width: 60px;
    height: 60px;
    border-radius: 50%;
    border: 2px solid var(--gold);
    object-fit: cover;
}
.sidebar-agent-name {
    font-weight: 700;
    color: var(--navy-dark);
    font-size: 15px;
}
.sidebar-agent-title {
    font-size: 12px;
    color: var(--text-muted);
}
.sidebar-quote {
    font-size: 13px;
    line-height: 1.6;
    color: var(--text);
    margin-bottom: 15px;
}
.mega-col h4,
.sidebar-highlights-title {
    color: var(--navy);
    font-family: "Mozilla Text", sans-serif;
}
.sidebar-btn {
    display: block;
    text-align: center;
    font-size: 13px;
    padding: 10px;
}
.sidebar-highlights-title {
    margin-bottom: 12px;
    font-size: 16px;
}
.hero-stat-num,
.nav-logo {
    font-family: "Open Sans", serif;
}
.sidebar-list {
    font-size: 13px;
    padding: 0;
}
.sidebar-list li {
    margin-bottom: 8px;
    display: flex;
    align-items: center;
    gap: 8px;
}
.calc-step.active,
.faq-item.active .faq-answer,
.faq-item.open .faq-answer,
.mega-col a,
.mega-dropdown:hover .mega-content,
.nav-links a,
.pas-acc-body.open,
.pas-acc-item.active .pas-acc-body,
.tab-panel.active {
    display: block;
}
.mega-dropdown {
    position: static;
}
.mega-content {
    display: none;
    position: absolute;
    left: 0;
    width: 100%;
    background: #fff;
    box-shadow: 0 15px 30px rgba(0, 0, 0, 0.15);
    z-index: 1000;
    padding: 40px 0;
    border-top: 3px solid var(--gold);
}
.mega-grid {
    max-width: 1100px;
    margin: 0 auto;
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 40px;
    padding: 0 24px;
}
.mega-col h4 {
    font-size: 18px;
    margin-bottom: 15px;
    border-bottom: 2px solid var(--info-bg);
    padding-bottom: 8px;
}
.mega-col a {
    color: var(--text) !important;
    padding: 8px 0 !important;
    font-size: 14px;
    font-weight: 500;
}
.mega-col a:hover {
    color: var(--navy) !important;
    padding-left: 5px !important;
}
.topbar {
    background: var(--navy-dark);
    color: #b0c4dc;
    font-size: 13px;
    padding: 7px 0;
}
.footer-links a:hover,
.nav-logo,
.topbar a:hover {
    color: #fff;
}
.nav-inner,
.topbar-inner {
    margin: 0 auto;
    padding: 0 24px;
    display: flex;
    max-width: 1100px;
}
.topbar-inner {
    justify-content: space-between;
    align-items: center;
}
.topbar a {
    color: #b0c4dc;
}
nav {
    background: var(--navy);
    position: sticky;
    top: 0;
    z-index: 100;
    box-shadow: 0 2px 10px rgba(0, 0, 0, 0.3);
}
.nav-inner {
    align-items: center;
}
.nav-logo {
    font-size: 18px;
    font-weight: 700;
    padding: 16px 0;
    margin-right: auto;
}
.footer-brand span,
.gold-text,
.nav-logo span {
    color: var(--gold);
}
.nav-links {
    display: flex;
}
.nav-links a {
    color: #d0ddf0;
    font-size: 13.5px;
    font-weight: 500;
    padding: 18px 12px;
    border-bottom: 3px solid transparent;
    transition: 0.2s;
}
.nav-links a:hover {
    color: #fff;
    border-bottom-color: var(--gold);
}
.nav-cta {
    background: var(--gold);
    color: #fff !important;
    border-radius: 4px;
    margin: 10px 0 10px 10px;
    padding: 8px 15px !important;
    font-weight: 600 !important;
    border-bottom: none !important;
}
.nav-cta:hover {
    background: #d44f37 !important;
}
.mobile-menu-icon {
    display: none;
    font-size: 24px;
    color: #fff;
    cursor: pointer;
    margin-left: auto;
}
@media (max-width: 992px) {
    .calc-container {
        grid-template-columns: 1fr;
        gap: 30px;
    }
    .calc-wrap {
        max-width: 100%;
    }
    .calc-sidebar {
        order: 2;
        width: 100%;
    }
    .mega-content {
        position: static;
        padding: 10px 0;
        box-shadow: none;
        border-top: none;
        background: rgba(255, 255, 255, 0.05);
    }
    .mega-grid {
        grid-template-columns: 1fr;
        gap: 20px;
    }
    .mega-col h4 {
        color: var(--gold);
        margin-top: 15px;
    }
    .mega-col a {
        color: #fff !important;
    }
    .mega-trigger i {
        float: right;
    }
    .mobile-menu-icon {
        display: block;
    }
    .nav-links {
        display: none;
        flex-direction: column;
        position: absolute;
        top: 100%;
        left: 0;
        width: 100%;
        background: var(--navy-dark);
        padding: 20px;
        box-shadow: 0 10px 20px rgba(0, 0, 0, 0.2);
        z-index: 1000;
        max-height: calc(100vh - 70px); /* Limits height to the remaining screen space */
        overflow-y: auto;              /* Adds the scrollbar if the menu is too long */
        -webkit-overflow-scrolling: touch; /* Makes scrolling smooth on iPhones */
    }
    .nav-links.active {
        display: flex;
    }
    .nav-links a {
        padding: 12px 0;
        border-bottom: 1px solid rgba(255, 255, 255, 0.1);
        width: 100%;
    }
    #sticky-rebate-link {
        margin-bottom: 10px;
        text-align: center;
    }
}
.hero {
    background:
        linear-gradient(rgba(10, 24, 55, 0.76), rgba(10, 24, 55, 0.93)),
        url("https://www.icona.com/wp-content/uploads/2025/02/Romantic-Resorts-in-NJ-1536x864.png") center/cover
            no-repeat;
    color: #fff;
    padding: 72px 24px;
}
.agent-photo-phone:hover,
.hero h1 span,
.hero-badge {
    color: #f0d87a;
}
.footer-inner,
.hero-inner,
.section-inner {
    max-width: 1100px;
    margin: 0 auto;
}
.hero-badge {
    display: inline-block;
    background: rgba(184, 151, 42, 0.22);
    border: 1px solid rgba(184, 151, 42, 0.45);
    font-size: 12px;
    font-weight: 600;
    padding: 4px 14px;
    border-radius: 20px;
    margin-bottom: 18px;
    letter-spacing: 0.6px;
}
.hero h1 {
    font-size: 44px;
    line-height: 1.12;
    margin-bottom: 16px;
    max-width: 680px;
}
.hero p {
    font-size: 18px;
    color: #d0dcec;
    max-width: 580px;
    margin-bottom: 32px;
}
.hero-actions {
    display: flex;
    gap: 12px;
    flex-wrap: wrap;
}
.hero-stats {
    display: flex;
    gap: 40px;
    margin-top: 52px;
    padding-top: 40px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    flex-wrap: wrap;
}
.hero-stat-num {
    font-size: 34px;
    font-weight: 700;
    color: #f0d87a;
}
.hero-stat-label {
    font-size: 13px;
    color: #c0cfdf;
    margin-top: 4px;
}
.btn-outline,
.btn-primary {
    font-size: 15px;
    cursor: pointer;
    display: inline-block;
    text-decoration: none;
}
.btn-primary {
    background: var(--gold);
    color: var(--navy-dark);
    padding: 13px 26px;
    border: none;
    border-radius: 6px;
    font-weight: 600;
    transition: background 0.2s;
    font-family: "Source Sans 3", sans-serif;
}
.btn-back,
.btn-outline {
    background: 0 0;
    font-family: "Source Sans 3", sans-serif;
}
.btn-primary:hover,
.btn-schedule:hover,
.lead-form .submit-btn:hover {
    background: #d4af37;
}
.btn-outline {
    color: #fff;
    padding: 12px 26px;
    border: 2px solid rgba(255, 255, 255, 0.35);
    border-radius: 6px;
    font-weight: 500;
    transition: 0.2s;
}
.btn-outline:hover {
    border-color: #fff;
    background: rgba(255, 255, 255, 0.08);
}
.btn-back {
    border: 1px solid var(--border);
    border-radius: 6px;
    padding: 10px 18px;
    font-size: 14px;
    cursor: pointer;
    color: var(--text-muted);
}
.btn-next,
.btn-schedule {
    font-size: 15px;
    cursor: pointer;
}
.btn-back:hover {
    background: var(--bg);
}
.btn-next {
    background: var(--navy);
    color: #fff;
    border: none;
    border-radius: 6px;
    padding: 11px 26px;
    font-weight: 600;
    font-family: "Source Sans 3", sans-serif;
    transition: background 0.2s;
}
.btn-next:hover,
.mort-calc-btn:hover,
.popup-form button:hover {
    background: var(--navy-dark);
}
.btn-next:disabled {
    background: var(--border);
    color: #aaa;
    cursor: not-allowed;
}
.btn-schedule {
    background: var(--gold);
    color: var(--navy-dark);
    padding: 12px 22px;
    border: none;
    border-radius: 6px;
    font-weight: 700;
    text-decoration: none;
    display: inline-block;
    font-family: "Open Sans", serif;
}
.alert-inner a,
.btn-learn,
.faq-answer a,
.section-label {
    font-weight: 600;
    color: var(--navy);
}
.btn-learn {
    border: 1.5px solid var(--navy);
    padding: 10px 22px;
    border-radius: 6px;
    font-size: 14px;
    text-decoration: none;
    display: inline-block;
}
.alert-banner {
    background: #fffae8;
    border-bottom: 3px solid var(--gold);
    padding: 13px 24px;
}
.program-row,
.section-alt {
    background: var(--bg-white);
}
.alert-inner {
    max-width: 1100px;
    margin: 0 auto;
    display: flex;
    align-items: center;
    gap: 12px;
    font-size: 14px;
}
.section {
    padding: 64px 24px;
}
.section-label {
    font-size: 11.5px;
    letter-spacing: 1.2px;
    margin-bottom: 8px;
    font-family: "Source Sans 3", sans-serif;
}
.program-row-name,
.program-row-num {
    font-family: "Open Sans", serif;
    font-weight: 700;
}
.section-title {
    font-size: 32px;
    color: var(--navy-dark);
    margin-bottom: 12px;
}
.section-subtitle {
    font-size: 16px;
    color: var(--text-muted);
    max-width: 640px;
    margin-bottom: 40px;
    line-height: 1.65;
}
.programs-list {
    display: flex;
    flex-direction: column;
    border: 1px solid var(--border);
    border-radius: 10px;
    overflow: hidden;
}
.program-row {
    display: grid;
    grid-template-columns: 60px 1fr auto auto;
    align-items: center;
    gap: 20px;
    padding: 22px 28px;
    border-bottom: 1px solid var(--border);
    text-decoration: none;
    color: inherit;
    transition: background 0.15s;
}
.detail-row:last-child,
.mort-row:last-child,
.pas-acc-item:last-of-type,
.program-row:last-child,
.requirements-list li:last-child {
    border-bottom: none;
}
.program-row:hover {
    background: #f6f8fc;
}
.prog-icon-box {
    width: 52px;
    height: 52px;
    background: var(--info-bg);
    border-radius: 10px;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.prog-icon-box i {
    font-size: 22px;
    color: var(--navy);
}
.program-row-main {
    min-width: 0;
}
.program-row-name {
    font-size: 17px;
    color: var(--navy-dark);
    margin-bottom: 3px;
}
.pas-cta-text p,
.program-row-desc {
    font-size: 14px;
    color: var(--text-muted);
}
.program-row-amount {
    text-align: right;
    flex-shrink: 0;
}
.program-row-num {
    font-size: 20px;
    color: var(--success);
}
.benefit-table th,
.info-card h4,
.tab {
    font-weight: 600;
    font-family: "Source Sans 3", sans-serif;
}
.program-row-who {
    font-size: 12px;
    color: var(--text-muted);
    margin-top: 3px;
}
.program-row-arrow {
    color: #a0b0cc;
    font-size: 16px;
    flex-shrink: 0;
    transition: color 0.2s;
}
.choice-btn,
.tab {
    transition: 0.2s;
    cursor: pointer;
}
.program-row:hover .program-row-arrow,
.tab:hover {
    color: var(--navy);
}
.tabs {
    display: flex;
    border-bottom: 2px solid var(--border);
    margin-bottom: 28px;
}
.tab {
    padding: 11px 18px;
    font-size: 14px;
    color: var(--text-muted);
    border-bottom: 2px solid transparent;
    margin-bottom: -2px;
}
.tab.active {
    color: var(--navy);
    border-bottom-color: var(--navy);
}
.calc-step,
.tab-panel {
    display: none;
}
.info-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 40px;
    align-items: start;
}
.info-content h3 {
    font-size: 24px;
    color: var(--navy-dark);
    margin-bottom: 12px;
}
.info-content p {
    font-size: 15px;
    color: var(--text-muted);
    line-height: 1.7;
    margin-bottom: 14px;
}
.info-card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: 8px;
    padding: 24px;
    margin-bottom: 16px;
}
.benefit-table tr:hover td,
.choice-btn.selected,
.choice-btn:hover,
.faq-question:hover,
.info-box,
.pas-acc-trigger.open {
    background: var(--info-bg);
}
.info-box,
.warning-box {
    border-radius: 0 6px 6px 0;
    padding: 13px 16px;
    font-size: 14px;
    margin: 16px 0;
}
.info-card:last-child,
.pas-acc-body p:last-child {
    margin-bottom: 0;
}
.info-card h4 {
    font-size: 15px;
    color: var(--navy-dark);
    margin-bottom: 12px;
}
.info-box {
    border-left: 3px solid var(--navy);
    color: var(--text);
}
.warning-box {
    background: #fffae8;
    border-left: 3px solid var(--gold);
    color: #4a3800;
}
.benefit-table {
    width: 100%;
    border-collapse: collapse;
}
.benefit-table th {
    background: var(--navy);
    color: #fff;
    padding: 10px 16px;
    text-align: left;
    font-size: 13px;
}
.benefit-table td {
    padding: 11px 16px;
    border-bottom: 1px solid var(--border);
    font-size: 14px;
}
.benefit-table .amount {
    font-weight: 700;
    color: var(--success);
}
.requirements-list li {
    padding: 10px 0;
    border-bottom: 1px solid var(--border);
    font-size: 15px;
    display: flex;
    align-items: flex-start;
    gap: 10px;
}
.req-icon {
    color: var(--navy);
    flex-shrink: 0;
    margin-top: 3px;
    font-size: 14px;
}
.req-text strong {
    display: block;
    font-weight: 600;
    font-size: 15px;
}
.choice-sub,
.req-text span {
    font-size: 13px;
    color: var(--text-muted);
}
.calc-wrap,
.mail-doc-card,
.mort-output-card,
.pas-wrap {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: 10px;
    overflow: hidden;
}
.calc-header {
    background:
        linear-gradient(rgba(0, 0, 128, 0.6), rgba(0, 0, 128, 0.6)) left/cover,
        url("https://www.icona.com/wp-content/uploads/2025/02/Beach-1536x864.png") left/cover;
    color: #fff;
    padding: 22px 28px;
}
.calc-header h3 {
    font-size: 19px;
    margin-bottom: 4px;
}
.calc-header p {
    font-size: 13px;
    color: #c0cfdf;
}
.calc-body {
    padding: 28px;
}
.step-question {
    font-family: "Open Sans", serif;
    font-size: 20px;
    color: var(--navy-dark);
    margin-bottom: 6px;
}
.choice-btn,
.form-group input,
.form-group select {
    font-family: "Source Sans 3", sans-serif;
    background: var(--bg);
}
.step-hint {
    font-size: 14px;
    color: var(--text-muted);
    margin-bottom: 22px;
}
.choice-grid {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(175px, 1fr));
    gap: 12px;
    margin-bottom: 22px;
}
.choice-btn {
    border: 1.5px solid var(--border);
    border-radius: 8px;
    padding: 16px 18px;
    text-align: left;
    font-size: 15px;
    color: var(--text);
}
.pas-acc-num,
.pas-acc-title,
.result-amount {
    font-family: "Open Sans", serif;
}
.choice-btn:hover {
    border-color: var(--navy);
}
.choice-btn.selected {
    border-color: var(--navy);
    font-weight: 600;
}
.choice-label {
    font-weight: 600;
    display: block;
    margin-bottom: 4px;
}
.form-group {
    margin-bottom: 18px;
}
.form-group label {
    display: block;
    font-weight: 600;
    font-size: 14px;
    color: var(--text);
    margin-bottom: 6px;
}
.form-group input,
.form-group select {
    width: 100%;
    padding: 10px 14px;
    border: 1px solid var(--border);
    border-radius: 6px;
    font-size: 15px;
    color: var(--text);
}
.form-group input:focus,
.form-group select:focus {
    outline: 0;
    border-color: var(--navy);
}
.calc-nav {
    display: flex;
    justify-content: space-between;
    align-items: center;
    margin-top: 22px;
    padding-top: 18px;
    border-top: 1px solid var(--border);
}
.progress-bar {
    height: 4px;
    background: var(--border);
    border-radius: 2px;
    margin-bottom: 26px;
}
.progress-fill {
    height: 100%;
    background: var(--gold);
    border-radius: 2px;
    transition: width 0.3s;
}
.result-box {
    background: var(--green-light);
    border: 2px solid #5cb885;
    border-radius: 10px;
    padding: 28px;
    text-align: center;
}
.result-box.no-qualify {
    background: #fdf3f2;
    border-color: #e8a09a;
}
.mail-doc-img,
.pas-acc-item {
    border-bottom: 1px solid var(--border);
}
.result-amount {
    font-size: 52px;
    font-weight: 700;
    color: var(--green);
    margin: 10px 0;
}
.result-label {
    font-size: 16px;
    color: var(--text);
    margin-bottom: 14px;
    font-weight: 600;
}
.result-note {
    font-size: 13px;
    color: var(--text-muted);
    margin-top: 12px;
}
.result-actions {
    display: flex;
    gap: 12px;
    justify-content: center;
    margin-top: 18px;
    flex-wrap: wrap;
}
.qualify-checks {
    text-align: left;
    margin: 14px 0;
}
.article-cta,
.article-hero,
.calc-box,
.form-success,
.mail-doc-img,
.modal-content,
.mort-empty-state,
.mort-output-top,
.staynj-result {
    text-align: center;
}
.qualify-checks li {
    padding: 5px 0;
    font-size: 14px;
    display: flex;
    align-items: center;
    gap: 8px;
}
.qualify-checks li::before {
    content: "✓";
    color: var(--green);
    font-weight: 700;
}
.qualify-checks.no li::before {
    content: "✗";
    color: var(--red);
}
.mail-docs {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
    margin-bottom: 32px;
}
.mail-doc-img {
    background: var(--info-bg);
    padding: 24px;
}
.mail-doc-img img {
    max-width: 100%;
    max-height: 200px;
    object-fit: contain;
    border-radius: 4px;
    box-shadow: 0 4px 16px rgba(0, 0, 0, 0.12);
}
.detail-card-body,
.mail-doc-body {
    padding: 20px 24px;
}
.mail-doc-body h4 {
    font-size: 16px;
    color: var(--navy-dark);
    margin-bottom: 8px;
}
.appeal-step p,
.mail-doc-body p {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.6;
}
.pas-header {
    background: var(--navy);
    padding: 24px 28px;
}
.pas-header h3 {
    color: #fff;
    font-size: 20px;
    margin-bottom: 4px;
}
.form-success p,
.pas-header p,
.widget-card-header p {
    color: #c0cfdf;
    font-size: 14px;
}
.pas-acc-trigger {
    display: flex;
    align-items: center;
    gap: 16px;
    padding: 18px 24px;
    cursor: pointer;
    background: var(--bg-white);
    transition: background 0.15s;
    user-select: none;
}
.pas-acc-trigger:hover {
    background: #f7f9fc;
}
.pas-acc-num {
    width: 36px;
    height: 36px;
    background: var(--navy);
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 14px;
    flex-shrink: 0;
}
.pas-acc-trigger.open .pas-acc-num {
    background: var(--gold);
    color: var(--navy-dark);
}
.pas-acc-title {
    flex: 1;
    font-size: 16px;
    color: var(--navy-dark);
    font-weight: 700;
}
.mort-field input,
.mort-field label,
.mort-field select,
.pas-acc-subtitle {
    font-family: "Source Sans 3", sans-serif;
}
.pas-acc-subtitle {
    font-size: 13px;
    color: var(--text-muted);
    font-weight: 400;
}
.pas-acc-arrow {
    color: var(--navy);
    font-size: 14px;
    transition: transform 0.2s;
}
.faq-item.active .faq-arrow,
.faq-item.open .faq-arrow,
.pas-acc-item.active .pas-acc-arrow,
.pas-acc-trigger.open .pas-acc-arrow {
    transform: rotate(0deg);
}
.pas-acc-body {
    display: none;
    padding: 0 24px 22px 76px;
    background: var(--bg-white);
}
.pas-acc-body p {
    font-size: 14px;
    color: var(--text-muted);
    line-height: 1.7;
    margin-bottom: 10px;
}
.pas-options {
    display: flex;
    flex-wrap: wrap;
    gap: 8px;
    margin: 10px 0;
}
.pas-option {
    background: var(--info-bg);
    border: 1px solid #c0d0e8;
    color: var(--navy);
    font-size: 13px;
    padding: 4px 12px;
    border-radius: 20px;
}
.pas-tip {
    background: var(--gold-light);
    border-left: 3px solid var(--gold);
    padding: 10px 14px;
    font-size: 13px;
    color: #4a3800;
    border-radius: 0 6px 6px 0;
    margin-top: 10px;
}
.pas-tip strong {
    color: #5a4500;
}
.pas-cta {
    background: #f7f9fc;
    padding: 28px;
    border-top: 1px solid var(--border);
    display: grid;
    grid-template-columns: 1fr auto;
    gap: 20px;
    align-items: center;
}
.pas-cta-text h4 {
    font-size: 18px;
    color: var(--navy-dark);
    margin-bottom: 6px;
}
.pas-cta-text .payment-methods {
    font-size: 13px;
    color: var(--text-muted);
    margin-top: 6px;
}
.pas-cta-btns {
    display: flex;
    flex-direction: column;
    gap: 10px;
    align-items: flex-end;
}
.mort-grid,
.mort-inputs {
    display: grid;
    grid-template-columns: 1fr 1fr;
}
.mort-grid {
    gap: 28px;
    align-items: start;
}
.mort-input-card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: 10px;
    padding: 28px;
}
.detail-card-header.staynj-bg,
.mort-calc-btn {
    background: var(--navy);
}
.lead-form .submit-btn,
.mort-calc-btn {
    padding: 13px;
    transition: background 0.2s;
    cursor: pointer;
}
.mort-inputs {
    gap: 14px;
}
.mort-field label {
    display: block;
    font-size: 12px;
    font-weight: 600;
    color: var(--text-muted);
    margin-bottom: 6px;
    letter-spacing: 0.6px;
}
.ai-summary-box h3,
.footer-col h4 {
    letter-spacing: 1px;
    text-transform: uppercase;
}
.mort-field input,
.mort-field select {
    width: 100%;
    padding: 11px 14px;
    border: 1px solid var(--border);
    border-radius: 6px;
    font-size: 16px;
    color: var(--text);
    background: var(--bg);
    transition: border-color 0.2s;
}
.lead-form input,
.lead-form select,
.staynj-input-group input {
    background: rgba(255, 255, 255, 0.1);
    font-family: "Source Sans 3", sans-serif;
    width: 100%;
}
.mort-field input:focus,
.mort-field select:focus {
    outline: 0;
    border-color: var(--navy);
    box-shadow: 0 0 0 3px rgba(26, 58, 107, 0.08);
}
.mort-calc-btn {
    width: 100%;
    color: #fff;
    border: none;
    border-radius: 6px;
    font-size: 15px;
    font-weight: 600;
    margin-top: 16px;
    font-family: "Source Sans 3", sans-serif;
}
.mort-output-top,
.staynj-highlight,
footer {
    background: var(--navy-dark);
}
.mort-output-top {
    padding: 28px;
}
.mort-output-label {
    font-size: 13px;
    color: #c0cfdf;
    margin-bottom: 8px;
    text-transform: uppercase;
    letter-spacing: 0.6px;
    font-family: "Source Sans 3", sans-serif;
}
.agent-photo-name,
.lead-form .submit-btn,
.mort-output-num,
.staynj-result-num {
    font-family: "Open Sans", serif;
}
.mort-output-num {
    font-size: 52px;
    font-weight: 700;
    color: #fff;
}
.mort-output-sub {
    font-size: 13px;
    color: #a0b4cc;
    margin-top: 4px;
}
.mort-empty-state {
    padding: 40px 28px;
}
.mort-empty-state i {
    font-size: 40px;
    color: #c0ccdc;
    margin-bottom: 14px;
    display: block;
}
.mort-empty-state p {
    font-size: 15px;
    color: var(--text-muted);
}
.mort-breakdown {
    padding: 0;
}
.mort-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 14px 24px;
    border-bottom: 1px solid var(--border);
    font-size: 15px;
}
.dual-programs,
.staynj-calc-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
}
.mort-row .mlabel {
    color: var(--text-muted);
    display: flex;
    align-items: center;
    gap: 8px;
}
.mort-row .mlabel i {
    font-size: 13px;
    color: var(--navy);
    opacity: 0.6;
}
.mort-row .mvalue {
    font-weight: 700;
    color: var(--text);
    font-size: 16px;
}
.detail-row .value.highlight,
.mort-row .mvalue.highlight {
    color: var(--success);
}
.staynj-highlight {
    color: #fff;
    border-radius: 10px;
    padding: 36px;
    margin-bottom: 28px;
}
.staynj-highlight h3 {
    font-size: 24px;
    margin-bottom: 8px;
}
.staynj-highlight p {
    color: #d0dcec;
    font-size: 15px;
    margin-bottom: 20px;
}
.staynj-calc-grid {
    gap: 16px;
}
.staynj-input-group label {
    font-size: 13px;
    color: #c0cfdf;
    display: block;
    margin-bottom: 6px;
}
.staynj-input-group input {
    padding: 10px 14px;
    border: 1px solid rgba(255, 255, 255, 0.22);
    border-radius: 6px;
    color: #fff;
    font-size: 15px;
}
.lead-form input:focus,
.lead-form select:focus,
.staynj-input-group input:focus {
    outline: 0;
    border-color: var(--gold);
}
.staynj-result {
    background: rgba(255, 255, 255, 0.09);
    border: 1px solid rgba(255, 255, 255, 0.15);
    border-radius: 8px;
    padding: 20px;
    margin-top: 18px;
}
.staynj-result-num {
    font-size: 42px;
    font-weight: 700;
    color: #fff;
}
.detail-row .value,
.official-link {
    font-weight: 600;
}
.staynj-result-label {
    font-size: 14px;
    color: #c0cfdf;
    margin-top: 6px;
}
.dual-programs {
    gap: 22px;
}
.program-detail-card {
    background: var(--bg-white);
    border: 1px solid var(--border);
    border-radius: 8px;
    overflow: hidden;
}
.appeal-step,
.widget-card {
    border: 1px solid var(--border);
}
.detail-card-header {
    padding: 20px 24px;
    color: #fff;
}
.detail-card-header.freeze-bg {
    background: navy;
}
.detail-card-header h3 {
    font-size: 18px;
}
.detail-card-header p {
    font-size: 13px;
    opacity: 0.8;
    margin-top: 4px;
}
.detail-row {
    display: flex;
    justify-content: space-between;
    padding: 9px 0;
    border-bottom: 1px solid var(--border);
    font-size: 14px;
}
.detail-row .label {
    color: var(--text-muted);
}
.official-link {
    display: inline-flex;
    align-items: center;
    gap: 5px;
    color: var(--navy);
    text-decoration: none;
    font-size: 14px;
    margin-top: 14px;
}
.official-link:hover {
    text-decoration: underline;
}
.vet-grid {
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 24px;
}
.appeal-steps {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(190px, 1fr));
    gap: 18px;
    margin-top: 28px;
}
.appeal-step {
    background: var(--bg-white);
    border-radius: 8px;
    padding: 22px;
}
.step-num {
    width: 34px;
    height: 34px;
    background: var(--navy);
    color: #fff;
    border-radius: 50%;
    display: flex;
    align-items: center;
    justify-content: center;
    font-weight: 700;
    font-size: 15px;
    margin-bottom: 12px;
}
.appeal-step h4 {
    font-size: 15px;
    color: var(--navy-dark);
    margin-bottom: 8px;
}
.widget-card {
    background: var(--bg-white);
    border-radius: 10px;
    overflow: hidden;
    margin-bottom: 16px;
}
.widget-card-header {
    background: var(--navy);
    padding: 22px 28px;
}
.widget-card-header h3 {
    color: #fff;
    font-size: 19px;
    margin-bottom: 4px;
}
.tiktok-grid {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 24px;
    margin-top: 32px;
}
.agent-photos,
.lead-top {
    grid-template-columns: 1fr 1fr;
}
.tiktok-embed-wrap {
    background: var(--bg);
    border: 1px solid var(--border);
    border-radius: 10px;
    overflow: hidden;
    display: flex;
    justify-content: center;
    align-items: flex-start;
    padding: 16px;
    min-height: 700px;
}
.tiktok-embed-wrap blockquote {
    width: 100%;
}
.tiktok-follow-btn {
    display: inline-flex;
    align-items: center;
    gap: 10px;
    background: #010101;
    color: #fff;
    padding: 13px 24px;
    border-radius: 8px;
    text-decoration: none;
    font-size: 15px;
    font-weight: 600;
    transition: background 0.2s;
    margin-top: 16px;
}
.tiktok-follow-btn:hover {
    background: #333;
}
.tiktok-follow-btn i {
    font-size: 20px;
}
.lead-section {
    background: var(--navy);
    color: #fff;
    padding: 64px 24px;
}
.agent-photo-card,
.lead-form {
    background: rgba(255, 255, 255, 0.07);
}
.lead-inner {
    max-width: 1060px;
    margin: 0 auto;
}
.lead-top {
    display: grid;
    gap: 48px;
    align-items: start;
    margin-bottom: 48px;
}
.lead-content h2 {
    font-size: 30px;
    color: #fff;
    margin-bottom: 10px;
}
.lead-content > p {
    color: #d0dcec;
    font-size: 15px;
    margin-bottom: 18px;
}
.lead-points {
    margin-bottom: 24px;
}
.lead-points li {
    padding: 7px 0;
    font-size: 14px;
    color: #d0dcec;
    display: flex;
    align-items: center;
    gap: 10px;
}
.lead-points li i {
    color: var(--gold);
    font-size: 13px;
    width: 16px;
}
.lead-form {
    border: 1px solid rgba(255, 255, 255, 0.14);
    border-radius: 10px;
    padding: 26px;
}
.lead-form h3 {
    font-size: 18px;
    color: #fff;
    margin-bottom: 18px;
}
.lead-form input,
.lead-form select {
    padding: 10px 14px;
    margin-bottom: 10px;
    border: 1px solid rgba(255, 255, 255, 0.2);
    border-radius: 6px;
    color: #fff;
    font-size: 14px;
}
.lead-form input::placeholder {
    color: rgba(255, 255, 255, 0.4);
}
.lead-form select {
    appearance: none;
}
.lead-form select option {
    color: var(--text);
    background: #fff;
}
.lead-form .submit-btn {
    width: 100%;
    background: var(--gold);
    border: none;
    border-radius: 6px;
    color: var(--navy-dark);
    font-size: 15px;
    font-weight: 700;
}
.lead-form .privacy {
    font-size: 12px;
    color: rgba(255, 255, 255, 0.35);
    text-align: center;
    margin-top: 9px;
}
.form-success {
    display: none;
    padding: 24px;
}
.form-success .check-icon {
    font-size: 44px;
    color: var(--gold);
    margin-bottom: 10px;
}
.form-success h4 {
    color: #fff;
    font-size: 19px;
    margin-bottom: 6px;
}
.agent-photos {
    display: grid;
    gap: 24px;
    padding-top: 40px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
}
.agent-photo-card {
    border: 1px solid rgba(255, 255, 255, 0.13);
    border-radius: 12px;
    padding: 28px 24px;
    display: flex;
    gap: 20px;
    align-items: flex-start;
}
.faq-answer,
.faq-question {
    background: var(--bg-white);
}
.agent-photo-img {
    width: 90px;
    height: 90px;
    border-radius: 50%;
    object-fit: cover;
    object-position: center top;
    flex-shrink: 0;
    border: 3px solid rgba(255, 255, 255, 0.2);
}
.agent-photo-info {
    flex: 1;
    min-width: 0;
}
.agent-photo-name {
    font-size: 20px;
    color: #fff;
    font-weight: 700;
    margin-bottom: 4px;
}
.agent-photo-title {
    font-size: 13px;
    color: #c0cfdf;
    margin-bottom: 10px;
    line-height: 1.45;
}
.agent-photo-phone {
    font-size: 18px;
    font-weight: 700;
    color: var(--gold);
    text-decoration: none;
    display: block;
    margin-bottom: 6px;
}
.faq-question,
.footer-col h4 {
    font-family: "Source Sans 3", sans-serif;
    font-weight: 600;
}
.agent-photo-meta {
    font-size: 12px;
    color: #8aaac8;
}
.faq-item {
    border: 1px solid var(--border);
    border-radius: 8px;
    margin-bottom: 10px;
    overflow: hidden;
}
.faq-question {
    padding: 17px 20px;
    cursor: pointer;
    display: flex;
    justify-content: space-between;
    align-items: center;
    font-size: 15px;
    color: var(--navy-dark);
    transition: background 0.15s;
    user-select: none;
}
.faq-arrow,
.kb-card {
    transition: transform 0.2s;
}
.faq-arrow {
    position: relative;
    width: 18px;
    height: 18px;
    border: 1.5px solid var(--navy);
    border-radius: 5px;
    background: #edf3ff;
    flex-shrink: 0;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    box-shadow: inset 0 0 0 1px rgba(17, 43, 77, 0.02);
    transition: background 0.2s ease, border-color 0.2s ease, transform 0.2s ease, box-shadow 0.2s ease;
}
.faq-arrow i {
    display: none;
}
.faq-arrow::before,
.faq-arrow::after {
    content: "";
    position: absolute;
    width: 9px;
    height: 2px;
    background: var(--navy);
    border-radius: 999px;
    transition: transform 0.25s ease, opacity 0.2s ease, background 0.2s ease;
}
.faq-arrow::after {
    transform: rotate(90deg);
}
.faq-item.active .faq-arrow,
.faq-item.open .faq-arrow {
    background: var(--navy);
    border-color: var(--navy);
    box-shadow: 0 0 0 2px rgba(17, 43, 77, 0.08);
}
.faq-item.active .faq-arrow::before,
.faq-item.open .faq-arrow::before,
.faq-item.active .faq-arrow::after,
.faq-item.open .faq-arrow::after {
    background: #fff;
}
.faq-item.active .faq-arrow::after,
.faq-item.open .faq-arrow::after {
    transform: rotate(0deg);
    opacity: 0;
}
.faq-answer {
    display: none;
    padding: 16px 20px 18px;
    font-size: 14.5px;
    color: var(--text-muted);
    line-height: 1.7;
    border-top: 1px solid var(--border);
}
footer {
    color: #7090b0;
    padding: 40px 24px;
    font-size: 13px;
}
.footer-grid {
    display: grid;
    grid-template-columns: 2fr 1fr 1fr;
    gap: 40px;
    margin-bottom: 28px;
}
.footer-brand {
    font-family: "Open Sans", serif;
    font-size: 17px;
    color: #fff;
    font-weight: 700;
    margin-bottom: 10px;
}
.footer-col h4 {
    color: #b0c4dc;
    font-size: 11px;
    margin-bottom: 12px;
}
.article-body h2,
.article-hero h1,
.calc-val,
.kb-card-title,
.popup-header h4 {
    font-family: "Mozilla Text", sans-serif;
}
.footer-links li {
    margin-bottom: 7px;
}
.footer-links a {
    color: #7090b0;
    text-decoration: none;
    transition: color 0.2s;
}
.footer-bottom {
    border-top: 1px solid rgba(255, 255, 255, 0.08);
    padding-top: 22px;
    display: flex;
    justify-content: space-between;
    align-items: flex-start;
    gap: 20px;
    flex-wrap: wrap;
}
.disclaimer {
    font-size: 12px;
    color: #4a6080;
    max-width: 680px;
    line-height: 1.55;
}
.updated-tag {
    background: rgba(255, 255, 255, 0.06);
    border: 1px solid rgba(255, 255, 255, 0.1);
    padding: 4px 12px;
    border-radius: 20px;
    font-size: 12px;
    color: #7090b0;
}
.article-hero {
    background: var(--navy-dark);
    padding: 60px 0;
    color: #fff;
}
.article-hero h1 {
    font-size: 38px;
    margin-top: 15px;
}
.article-body {
    max-width: 850px;
    margin: 0 auto;
    line-height: 1.8;
    color: var(--text);
}
.article-body h2 {
    color: var(--navy-dark);
    margin-top: 40px;
}
.ai-summary-box {
    background: #f0f7ff;
    border-left: 5px solid var(--navy);
    padding: 25px;
    margin: -40px 0 40px;
    border-radius: 0 8px 8px 0;
    box-shadow: 0 4px 15px rgba(0, 0, 0, 0.05);
}
.ai-summary-box h3 {
    font-size: 16px;
    margin-bottom: 10px;
    color: var(--navy);
}
.table-wrap {
    overflow-x: auto;
    margin: 25px 0;
}
.comparison-table {
    width: 100%;
    border-collapse: collapse;
    background: #fff;
    border: 1px solid var(--border);
}
.comparison-table th {
    background: var(--navy);
    color: #fff;
    padding: 15px;
    text-align: left;
}
.comparison-table td {
    padding: 15px;
    border-bottom: 1px solid var(--border);
}
.calc-illustration {
    display: flex;
    align-items: center;
    justify-content: center;
    gap: 20px;
    margin: 30px 0;
}
.calc-box {
    border: 2px solid var(--navy);
    padding: 15px 30px;
    border-radius: 8px;
}
.calc-box.gold {
    border-color: var(--gold);
    background: #fffcf0;
}
.calc-label {
    display: block;
    font-size: 12px;
    color: var(--text-muted);
    text-transform: uppercase;
}
.calc-val {
    font-size: 24px;
    font-weight: 700;
    color: var(--navy);
}
.calculation-steps {
    background: #f8fafc;
    padding: 20px;
    border-radius: 8px;
}
.step {
    padding: 8px 0;
    border-bottom: 1px solid var(--border);
}
.step.highlight {
    color: var(--success);
    font-weight: 700;
    border-bottom: none;
    font-size: 18px;
}
.expert-tip-box {
    background: #fffdf2;
    border: 1px solid #f0e6b3;
    padding: 25px;
    border-radius: 12px;
    margin: 40px 0;
}
.expert-tip-box h4 {
    color: #856404;
    margin-bottom: 10px;
}
.article-cta {
    background: var(--navy-dark);
    color: #fff;
    padding: 40px;
    border-radius: 12px;
    margin-top: 60px;
}
.article-cta h3 {
    margin-bottom: 10px;
    color: var(--gold);
}
.kb-grid {
    display: grid;
    grid-template-columns: repeat(auto-fill, minmax(300px, 1fr));
    gap: 24px;
    margin-top: 32px;
}
.kb-card {
    background: #fff;
    padding: 30px;
    border-radius: 12px;
    border: 1px solid var(--border);
    text-decoration: none;
}
.kb-card:hover {
    transform: translateY(-5px);
    border-color: var(--gold);
}
.kb-tag {
    background: var(--info-bg);
    color: var(--navy);
    font-size: 11px;
    font-weight: 700;
    padding: 4px 10px;
    border-radius: 20px;
    display: inline-block;
    margin-bottom: 12px;
}
.kb-card-title {
    font-size: 20px;
    color: var(--navy-dark);
    margin-bottom: 10px;
}
.kb-card-excerpt,
.minimize-note,
.popup-close {
    color: var(--text-muted);
}
.kb-card-excerpt {
    font-size: 14px;
    line-height: 1.5;
}
.news-items {
    display: flex;
    flex: 1;
    position: relative;
    overflow: hidden;
}
.news-item {
    transition: opacity 0.5s;
    width: 100%;
}
.subtle-modal {
    position: fixed;
    top: 0;
    left: 0;
    width: 100%;
    height: 100%;
    background: rgba(10, 24, 55, 0.85);
    display: none;
    align-items: center;
    justify-content: center;
    z-index: 10000;
}
.modal-content {
    background: #fff;
    padding: 40px;
    border-radius: 12px;
    max-width: 450px;
    border-top: 5px solid var(--gold);
}
.modal-form {
    display: flex;
    flex-direction: column;
    gap: 10px;
    margin: 20px 0;
}
.modal-form input {
    padding: 12px;
    border: 1px solid var(--border);
    border-radius: 6px;
}
.modal-form button {
    background: var(--navy);
    color: #fff;
    border: none;
    padding: 12px;
    border-radius: 6px;
    cursor: pointer;
    font-weight: 700;
}
.minimize-note {
    font-size: 12px;
    cursor: pointer;
    text-decoration: underline;
    margin-top: 10px;
}
.urgency-link {
    animation: 2s infinite pulse;
}
@keyframes pulse {
    0%,
    100% {
        transform: scale(1);
    }
    50% {
        transform: scale(1.05);
    }
}
.floating-popup {
    position: fixed;
    bottom: 30px;
    right: 30px;
    width: 340px;
    background: #fff;
    border-radius: 12px;
    box-shadow: 0 15px 35px rgba(10, 24, 55, 0.2);
    z-index: 9999;
    border: 1px solid var(--border);
    transition: 0.3s;
}
.popup-content {
    padding: 24px;
    position: relative;
}
.popup-close {
    position: absolute;
    top: 10px;
    right: 12px;
    background: 0 0;
    border: none;
    font-size: 16px;
    cursor: pointer;
}
.popup-header {
    display: flex;
    align-items: center;
    gap: 12px;
    margin-bottom: 12px;
}
.popup-header i {
    font-size: 24px;
    color: var(--gold);
}
.popup-header h4 {
    margin: 0;
    color: var(--navy);
    font-size: 18px;
}
.popup-content p {
    font-size: 13px;
    line-height: 1.5;
    color: var(--text);
    margin-bottom: 16px;
}
.popup-form {
    display: flex;
    flex-direction: column;
    gap: 10px;
}
.popup-form input {
    padding: 12px;
    border: 1.5px solid var(--border);
    border-radius: 6px;
    font-size: 14px;
}
.popup-form button {
    background: var(--navy);
    color: #fff;
    border: none;
    padding: 12px;
    border-radius: 6px;
    font-weight: 600;
    cursor: pointer;
    transition: background 0.2s;
}
.minimized-tab {
    position: fixed;
    bottom: 0;
    right: 50px;
    background: var(--gold);
    color: var(--navy-dark);
    padding: 10px 20px;
    border-radius: 8px 8px 0 0;
    font-weight: 700;
    font-size: 13px;
    cursor: pointer;
    box-shadow: 0 -4px 10px rgba(0, 0, 0, 0.1);
    z-index: 9998;
    display: none;
}
@media (max-width: 768px) {
    .floating-popup {
        width: calc(100% - 40px);
        bottom: 20px;
        right: 20px;
    }
    .agent-photos,
    .dual-programs,
    .footer-grid,
    .info-grid,
    .lead-top,
    .mail-docs,
    .mort-grid,
    .mort-inputs,
    .pas-cta,
    .staynj-calc-grid,
    .tiktok-grid,
    .vet-grid {
        grid-template-columns: 1fr;
    }
    .hero h1 {
        font-size: 28px;
    }
    .footer-grid {
        gap: 22px;
    }
    .nav-links,
    .program-row-amount,
    .program-row-arrow {
        display: none;
    }
    .section {
        padding: 40px 16px;
    }
    .program-row {
        grid-template-columns: 52px 1fr;
    }
    .pas-cta-btns {
        align-items: flex-start;
    }
    .pas-acc-body {
        padding-left: 24px;
    }
}