/* ============================================================
   Verified Commercial Funding — shared site styles
   A division of Verified Home LLC. Inherits the VH brand tokens.
   ============================================================ */
:root{
  --navy-50:#EEF2F8; --navy-100:#D5DEEC; --navy-200:#A8BAD3; --navy-300:#6A85AE;
  --navy-400:#355A8A; --navy-500:#0B2E5C; --navy-600:#082246; --navy-700:#051A38;
  --navy-800:#03122A; --navy-900:#020B1C;
  --teal-50:#ECF6FA; --teal-100:#CFE8F0; --teal-200:#9CD0DE; --teal-300:#67B4CB;
  --teal-400:#3A9DBA; --teal-500:#1B8FBF; --teal-600:#166E97; --teal-700:#115474;
  --aqua-200:#C9E6EC;
  --green-500:#2DA84C; --green-600:#1F8A3B; --green-700:#0E7A2E; --green-50:#E6F4E9;
  --paper:#FBFAF7; --paper-2:#F4F2EC; --line:#E4E2D9; --line-2:#D2CFC2;
  --ink-mute:#6B6A63; --ink-soft:#8E8C82;
  --font-display:"Sora",ui-sans-serif,system-ui,sans-serif;
  --font-body:"Public Sans",ui-sans-serif,system-ui,sans-serif;
  --font-mono:"IBM Plex Mono",ui-monospace,monospace;
  --shadow-1:0 1px 0 rgba(11,46,92,.04),0 1px 2px rgba(11,46,92,.06);
  --shadow-2:0 1px 0 rgba(11,46,92,.04),0 4px 12px -2px rgba(11,46,92,.10),0 2px 4px rgba(11,46,92,.06);
  --shadow-3:0 8px 24px -6px rgba(11,46,92,.18),0 4px 8px rgba(11,46,92,.08);
  --shadow-seal:0 6px 18px -6px rgba(27,143,191,.55),0 0 0 1px rgba(11,46,92,.05);
  --ease:cubic-bezier(.2,.7,.2,1);
  --maxw:1200px;
}
*{margin:0;padding:0;box-sizing:border-box;}
html{scroll-behavior:smooth;}
body{
  background:var(--paper);color:var(--navy-700);
  font-family:var(--font-body);font-size:16px;line-height:1.6;
  -webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility;
}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--navy-800);letter-spacing:-.02em;line-height:1.1;text-wrap:balance;}
h1{font-size:clamp(40px,5vw,66px);font-weight:700;letter-spacing:-.025em;line-height:1.05;}
h2{font-size:clamp(28px,3.2vw,44px);font-weight:600;}
h3{font-size:20px;font-weight:600;letter-spacing:-.01em;}
p{text-wrap:pretty;}
a{color:var(--teal-600);text-decoration:none;}
img{max-width:100%;display:block;}
.eyebrow{font-family:var(--font-display);font-weight:600;font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--teal-600);}
.num{font-family:var(--font-mono);font-variant-numeric:tabular-nums;}

/* layout rhythm — roomier */
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 56px;}
section{padding:124px 0;}
.sec-tight{padding:96px 0;}
@media(max-width:900px){.wrap{padding:0 28px;}section{padding:76px 0;}}
@media(max-width:560px){.wrap{padding:0 22px;}section{padding:60px 0;}}

/* ---- buttons ---- */
.btn{display:inline-flex;align-items:center;gap:9px;font-family:var(--font-display);font-weight:600;font-size:15px;border-radius:10px;padding:0 24px;height:50px;cursor:pointer;border:1px solid transparent;transition:background .12s var(--ease),box-shadow .2s var(--ease),transform .05s var(--ease),border-color .12s;white-space:nowrap;}
.btn svg{width:18px;height:18px;}
.btn-primary{background:var(--navy-500);color:var(--paper);box-shadow:var(--shadow-1);}
.btn-primary:hover{background:var(--navy-600);box-shadow:var(--shadow-2);transform:translateY(-1px);}
.btn-primary:active{background:var(--navy-700);transform:translateY(0);}
.btn-verified{background:var(--green-500);color:#fff;box-shadow:var(--shadow-1);}
.btn-verified:hover{background:var(--green-600);box-shadow:var(--shadow-2);transform:translateY(-1px);}
.btn-ghost{background:transparent;border-color:var(--navy-200);color:var(--navy-500);}
.btn-ghost:hover{background:var(--paper-2);}
.btn-onnavy{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.22);color:#fff;}
.btn-onnavy:hover{background:rgba(255,255,255,.16);}
.btn-lg{height:56px;font-size:16px;padding:0 30px;}

/* ---- header ---- */
header.site{position:sticky;top:0;z-index:40;background:rgba(251,250,247,.86);backdrop-filter:blur(12px);border-bottom:1px solid var(--line);}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px;}
.brand{display:flex;align-items:center;gap:13px;}
.brand .seal{width:44px;height:44px;flex:none;}
.brand .seal svg{width:100%;height:100%;display:block;}
.lockup{display:flex;flex-direction:column;line-height:1;}
.lockup .l1{font-family:var(--font-display);font-weight:800;font-size:16px;letter-spacing:-.01em;color:var(--navy-800);}
.lockup .l2{font-family:var(--font-display);font-weight:600;font-size:10.5px;letter-spacing:.18em;text-transform:uppercase;color:var(--teal-600);margin-top:3px;}
.nav-links{display:flex;align-items:center;gap:36px;}
.nav-links a{font-family:var(--font-display);font-weight:500;font-size:15px;color:var(--navy-700);transition:color .12s;position:relative;}
.nav-links a:hover{color:var(--teal-600);}
.nav-links a.active{color:var(--navy-800);font-weight:600;}
.nav-links a.active::after{content:"";position:absolute;left:0;right:0;bottom:-26px;height:2px;background:var(--teal-500);border-radius:2px;}
.nav-cta{display:flex;align-items:center;gap:16px;}
.nav-cta .phone{font-family:var(--font-mono);font-size:14px;color:var(--navy-600);font-weight:500;}
@media(max-width:960px){.nav-links{display:none;}.nav-cta .phone{display:none;}}

/* ---- generic page hero (subpages) ---- */
.page-hero{padding:88px 0 76px;border-bottom:1px solid var(--line);background:linear-gradient(180deg,var(--paper),var(--paper-2));}
.page-hero .eyebrow{display:block;margin-bottom:18px;}
.page-hero h1{max-width:18ch;margin-bottom:22px;}
.page-hero p{font-size:20px;line-height:1.55;color:var(--ink-mute);max-width:56ch;}
.page-hero .breadcrumb{font-family:var(--font-mono);font-size:12px;letter-spacing:.06em;color:var(--ink-soft);text-transform:uppercase;margin-bottom:26px;}
.page-hero .breadcrumb a{color:var(--ink-soft);}
.page-hero .breadcrumb a:hover{color:var(--teal-600);}

/* ---- hero (home) ---- */
.hero{display:grid;grid-template-columns:1.06fr .94fr;gap:80px;align-items:center;padding:120px 0 140px;}
.hero .badge-row{display:flex;align-items:center;gap:10px;margin-bottom:32px;}
.pill{display:inline-flex;align-items:center;gap:7px;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px 7px 10px;font-size:12.5px;font-weight:600;color:var(--navy-600);box-shadow:var(--shadow-1);}
.pill .dot{width:7px;height:7px;border-radius:50%;background:var(--green-500);}
.hero h1{margin-bottom:30px;}
.hero h1 .accent{color:var(--teal-600);}
.hero .lede{font-size:19px;line-height:1.6;color:var(--ink-mute);max-width:38ch;margin-bottom:40px;}
.hero .cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:40px;}
.hero .reassure{display:flex;align-items:center;gap:20px;flex-wrap:wrap;font-size:13.5px;color:var(--ink-mute);}
.hero .reassure span{display:inline-flex;align-items:center;gap:7px;}
.hero .reassure svg{width:16px;height:16px;color:var(--green-600);}

/* hero visual */
.hero-visual{position:relative;border-radius:20px;overflow:hidden;aspect-ratio:5/6;box-shadow:var(--shadow-3);background:
  linear-gradient(155deg,rgba(11,46,92,.0),rgba(3,18,42,.55)),
  radial-gradient(120% 90% at 70% 10%,var(--teal-400) 0%,var(--teal-600) 30%,var(--navy-600) 68%,var(--navy-800) 100%);}
.hero-visual .grain{position:absolute;inset:0;opacity:.5;background-image:linear-gradient(rgba(255,255,255,.06) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.06) 1px,transparent 1px);background-size:34px 34px;mask-image:radial-gradient(120% 90% at 70% 20%,#000,transparent 75%);}
.hero-visual .vseal{position:absolute;top:28px;left:28px;width:62px;height:62px;filter:drop-shadow(0 6px 14px rgba(0,0,0,.3));}
.hero-visual .vcaption{position:absolute;left:28px;right:28px;bottom:28px;color:#fff;}
.hero-visual .vcaption .k{font-family:var(--font-mono);font-size:11px;letter-spacing:.12em;text-transform:uppercase;color:var(--teal-200);}
.hero-visual .vcaption .t{font-family:var(--font-display);font-weight:600;font-size:23px;margin-top:10px;line-height:1.25;}
.ph-tag{position:absolute;top:28px;right:28px;font-size:10.5px;font-family:var(--font-mono);letter-spacing:.08em;text-transform:uppercase;color:rgba(255,255,255,.62);background:rgba(0,0,0,.25);border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:5px 11px;}
@media(max-width:960px){.hero{grid-template-columns:1fr;gap:48px;padding-top:80px;padding-bottom:88px;}.hero-visual{aspect-ratio:16/11;}}

/* ---- stat band ---- */
.stats{background:var(--navy-700);color:var(--paper);}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);}
.stat{padding:56px 32px;border-left:1px solid rgba(255,255,255,.08);}
.stat:first-child{border-left:0;padding-left:0;}
.stat .v{font-family:var(--font-display);font-weight:700;font-size:clamp(28px,3vw,40px);letter-spacing:-.03em;color:#fff;font-variant-numeric:tabular-nums;}
.stat .v .u{color:var(--teal-300);}
.stat .l{font-size:13.5px;color:var(--navy-100);margin-top:10px;line-height:1.45;}
@media(max-width:760px){.stats .wrap{grid-template-columns:1fr 1fr;}.stat{padding:34px 22px;border-top:1px solid rgba(255,255,255,.08);}.stat:nth-child(odd){border-left:0;padding-left:0;}.stat:nth-child(-n+2){border-top:0;}}

/* ---- section head ---- */
.sec-head{max-width:700px;margin-bottom:64px;}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center;}
.sec-head .eyebrow{margin-bottom:16px;display:block;}
.sec-head p{font-size:18px;color:var(--ink-mute);margin-top:18px;line-height:1.6;}

/* ---- programs grid (home) ---- */
.prog-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;}
.prog{background:#fff;border:1px solid var(--line);border-radius:14px;padding:30px 28px;display:flex;flex-direction:column;transition:box-shadow .2s var(--ease),transform .2s var(--ease),border-color .2s;min-height:266px;}
.prog:hover{box-shadow:var(--shadow-2);transform:translateY(-3px);border-color:var(--line-2);}
.prog .ic{width:46px;height:46px;border-radius:12px;background:var(--teal-50);color:var(--teal-600);display:flex;align-items:center;justify-content:center;margin-bottom:22px;}
.prog .ic svg{width:23px;height:23px;}
.prog h3{margin-bottom:10px;}
.prog p{font-size:14px;color:var(--ink-mute);line-height:1.6;flex:1;}
.prog .fact{margin-top:20px;padding-top:16px;border-top:1px solid var(--line);font-family:var(--font-mono);font-size:12px;color:var(--navy-600);letter-spacing:.01em;display:flex;align-items:center;gap:7px;}
.prog .fact svg{width:14px;height:14px;color:var(--teal-500);flex:none;}
.prog.feature{background:var(--navy-700);border-color:var(--navy-600);}
.prog.feature h3,.prog.feature p{color:#fff;}
.prog.feature p{color:var(--navy-100);}
.prog.feature .ic{background:rgba(255,255,255,.1);color:var(--teal-200);}
.prog.feature .fact{border-top-color:rgba(255,255,255,.14);color:var(--teal-200);}
.prog.feature .fact svg{color:var(--teal-300);}
@media(max-width:1080px){.prog-grid{grid-template-columns:repeat(2,1fr);}}
@media(max-width:560px){.prog-grid{grid-template-columns:1fr;}}

/* ---- process ---- */
.process{background:var(--navy-800);color:var(--paper);position:relative;overflow:hidden;}
.process .eyebrow{color:var(--teal-300);}
.process h2{color:#fff;}
.process .sec-head p{color:var(--navy-100);}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin-top:8px;}
.step{position:relative;padding-top:32px;}
.step .n{font-family:var(--font-mono);font-size:13px;color:var(--teal-300);letter-spacing:.1em;}
.step .bar{height:3px;background:linear-gradient(90deg,var(--teal-400),rgba(27,143,191,.1));border-radius:2px;margin:16px 0 22px;}
.step h3{color:#fff;font-size:19px;margin-bottom:12px;}
.step p{font-size:14.5px;color:var(--navy-100);line-height:1.6;}
@media(max-width:860px){.steps{grid-template-columns:1fr 1fr;gap:32px 24px;}}
@media(max-width:480px){.steps{grid-template-columns:1fr;}}

/* ---- about / powered split ---- */
.split{display:grid;grid-template-columns:.92fr 1.08fr;gap:72px;align-items:center;}
.split.rev{grid-template-columns:1.08fr .92fr;}
.split-visual{border-radius:20px;aspect-ratio:4/5;box-shadow:var(--shadow-3);position:relative;overflow:hidden;background:
  linear-gradient(160deg,rgba(11,46,92,.05),rgba(11,46,92,.35)),
  radial-gradient(110% 80% at 30% 15%,var(--paper-2),var(--navy-200) 75%,var(--navy-400) 100%);}
.split-visual.dark{background:linear-gradient(155deg,rgba(11,46,92,.0),rgba(3,18,42,.6)),radial-gradient(120% 90% at 70% 10%,var(--teal-500) 0%,var(--navy-600) 60%,var(--navy-800) 100%);}
.split-visual .ph-tag{top:auto;bottom:20px;left:20px;right:auto;color:var(--navy-600);background:rgba(255,255,255,.78);border-color:transparent;}
.split-visual.dark .ph-tag{color:rgba(255,255,255,.7);background:rgba(0,0,0,.28);border:1px solid rgba(255,255,255,.18);}
.powered{display:inline-flex;align-items:center;gap:12px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:12px 18px 12px 12px;box-shadow:var(--shadow-1);margin-bottom:28px;}
.powered .ps{width:36px;height:36px;flex:none;}
.powered .pt{font-size:13px;line-height:1.4;color:var(--ink-mute);}
.powered .pt b{display:block;font-family:var(--font-display);font-weight:600;color:var(--navy-800);font-size:14px;}
.prose .eyebrow{display:block;margin-bottom:16px;}
.prose h2{margin-bottom:20px;}
.prose p{font-size:17px;color:var(--ink-mute);margin-bottom:20px;line-height:1.65;max-width:56ch;}
.checks{display:flex;flex-direction:column;gap:14px;margin:28px 0 34px;}
.checks li{list-style:none;display:flex;align-items:flex-start;gap:12px;font-size:15.5px;color:var(--navy-700);line-height:1.5;}
.checks svg{width:20px;height:20px;color:var(--green-600);flex:none;margin-top:1px;}
@media(max-width:960px){.split,.split.rev{grid-template-columns:1fr;gap:44px;}.split-visual{aspect-ratio:16/11;order:-1;}.split.rev .split-visual{order:-1;}}

/* ---- program detail rows (programs page) ---- */
.prow{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:center;padding:72px 0;border-bottom:1px solid var(--line);scroll-margin-top:100px;}
.prow:last-child{border-bottom:0;}
.prow.rev .pr-media{order:2;}
.pr-media{border-radius:18px;aspect-ratio:4/3;position:relative;overflow:hidden;box-shadow:var(--shadow-2);background:
  linear-gradient(150deg,rgba(11,46,92,.04),rgba(11,46,92,.4)),
  radial-gradient(110% 90% at 75% 12%,var(--teal-400),var(--navy-600) 62%,var(--navy-800) 100%);}
.pr-media .ic{position:absolute;top:24px;left:24px;width:54px;height:54px;border-radius:13px;background:rgba(255,255,255,.14);backdrop-filter:blur(4px);display:flex;align-items:center;justify-content:center;color:#fff;border:1px solid rgba(255,255,255,.22);}
.pr-media .ic svg{width:26px;height:26px;}
.pr-media .ph-tag{color:rgba(255,255,255,.62);}
.pr-body .eyebrow{display:block;margin-bottom:14px;}
.pr-body h2{font-size:clamp(26px,2.6vw,36px);margin-bottom:16px;}
.pr-body>p{font-size:17px;color:var(--ink-mute);line-height:1.65;margin-bottom:24px;max-width:54ch;}
.spec{display:grid;grid-template-columns:1fr 1fr;gap:14px 28px;margin-bottom:28px;}
.spec .si{padding:14px 0;border-top:1px solid var(--line);}
.spec .si .k{font-family:var(--font-mono);font-size:11px;letter-spacing:.06em;text-transform:uppercase;color:var(--ink-soft);margin-bottom:5px;}
.spec .si .v{font-family:var(--font-display);font-weight:600;font-size:16px;color:var(--navy-800);}
.taglist{display:flex;flex-wrap:wrap;gap:9px;}
.tag{font-size:12.5px;font-weight:600;color:var(--teal-700);background:var(--teal-50);border:1px solid var(--teal-100);border-radius:999px;padding:6px 13px;}
@media(max-width:900px){.prow,.prow.rev{grid-template-columns:1fr;gap:32px;padding:52px 0;}.prow.rev .pr-media{order:-1;}.pr-media{aspect-ratio:16/10;}}

/* ---- jump nav (programs) ---- */
.jump{display:flex;flex-wrap:wrap;gap:10px;}
.jump a{font-family:var(--font-display);font-weight:600;font-size:13.5px;color:var(--navy-600);background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 16px;transition:all .14s var(--ease);}
.jump a:hover{border-color:var(--teal-300);color:var(--teal-700);background:var(--teal-50);}

/* ---- value cards (about) ---- */
.val-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.val{background:#fff;border:1px solid var(--line);border-radius:14px;padding:32px 28px;}
.val .ic{width:46px;height:46px;border-radius:12px;background:var(--teal-50);color:var(--teal-600);display:flex;align-items:center;justify-content:center;margin-bottom:20px;}
.val .ic svg{width:23px;height:23px;}
.val h3{margin-bottom:10px;}
.val p{font-size:14.5px;color:var(--ink-mute);line-height:1.6;}
@media(max-width:860px){.val-grid{grid-template-columns:1fr;}}

/* ---- contact ---- */
.contact-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:64px;align-items:start;}
.form-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:40px;box-shadow:var(--shadow-2);}
.field{margin-bottom:20px;}
.field label{display:block;font-family:var(--font-display);font-weight:600;font-size:13px;color:var(--navy-700);margin-bottom:8px;}
.field input,.field select,.field textarea{width:100%;font-family:var(--font-body);font-size:15px;color:var(--navy-800);background:var(--paper);border:1px solid var(--line-2);border-radius:10px;padding:13px 15px;transition:border-color .12s var(--ease),box-shadow .12s var(--ease);}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--teal-500);box-shadow:0 0 0 3px rgba(27,143,191,.16);}
.field textarea{min-height:120px;resize:vertical;}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:18px;}
.form-note{font-size:12.5px;color:var(--ink-soft);margin-top:6px;line-height:1.5;}
.contact-aside .ci{display:flex;gap:16px;align-items:flex-start;padding:22px 0;border-bottom:1px solid var(--line);}
.contact-aside .ci:first-child{padding-top:0;}
.contact-aside .ci .ic{width:46px;height:46px;border-radius:12px;background:var(--navy-500);color:#fff;display:flex;align-items:center;justify-content:center;flex:none;}
.contact-aside .ci .ic svg{width:21px;height:21px;}
.contact-aside .ci .k{font-family:var(--font-display);font-weight:600;font-size:15px;color:var(--navy-800);margin-bottom:4px;}
.contact-aside .ci .d{font-size:14.5px;color:var(--ink-mute);line-height:1.5;}
.contact-aside .ci .d a{color:var(--teal-600);}
.contact-aside .hours{margin-top:24px;background:var(--paper-2);border:1px solid var(--line);border-radius:14px;padding:22px;}
.contact-aside .hours h4{font-size:13px;letter-spacing:.04em;margin-bottom:12px;}
.contact-aside .hours .hrow{display:flex;justify-content:space-between;font-size:14px;color:var(--ink-mute);padding:5px 0;}
.contact-aside .hours .hrow .num{color:var(--navy-700);}
@media(max-width:900px){.contact-grid{grid-template-columns:1fr;gap:40px;}.form-card{padding:30px;}.field-row{grid-template-columns:1fr;}}

/* ---- CTA band ---- */
.cta-band{background:radial-gradient(120% 140% at 85% 0%,var(--teal-600),var(--navy-600) 45%,var(--navy-700) 100%);color:#fff;border-radius:24px;padding:72px;display:grid;grid-template-columns:1.4fr 1fr;gap:48px;align-items:center;box-shadow:var(--shadow-3);}
.cta-band h2{color:#fff;}
.cta-band p{color:var(--teal-100);font-size:17px;margin-top:16px;max-width:46ch;line-height:1.6;}
.cta-band .actions{display:flex;flex-direction:column;gap:14px;align-items:flex-start;}
.cta-band .micro{font-size:13px;color:rgba(255,255,255,.7);font-family:var(--font-mono);}
@media(max-width:860px){.cta-band{grid-template-columns:1fr;padding:44px;}}

/* ---- footer ---- */
footer.site{background:var(--navy-800);color:var(--navy-100);padding:72px 0 44px;}
.foot-top{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:48px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.1);}
.foot-brand .lockup .l1{color:#fff;}
.foot-brand p{font-size:14px;color:var(--navy-200);margin-top:20px;max-width:38ch;line-height:1.65;}
.foot-col h4{color:#fff;font-size:13px;letter-spacing:.04em;margin-bottom:18px;}
.foot-col a,.foot-col .fl{display:block;color:var(--navy-100);font-size:14px;margin-bottom:12px;transition:color .12s;}
.foot-col a:hover{color:var(--teal-300);}
.foot-legal{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;padding-top:30px;font-size:12.5px;color:var(--navy-300);line-height:1.65;}
.foot-legal .eho{display:inline-flex;align-items:center;gap:8px;color:var(--navy-200);}
.foot-legal .eho svg{width:16px;height:16px;}
@media(max-width:760px){.foot-top{grid-template-columns:1fr 1fr;}.foot-brand{grid-column:1/-1;}}