@import url('https://fonts.googleapis.com/css2?family=Plus+Jakarta+Sans:wght@400;500;600;700;800&display=swap');

:root {
  --ink:       #0f1c2e;
  --ink-2:     #2d3f55;
  --muted:     #6b7a8d;
  --brand:     #1a56a8;
  --brand-dark:#134090;
  --brand-2:   #15815a;
  --brand-2-dark:#0f6145;
  --accent:    #f5a623;
  --paper:     #ffffff;
  --soft:      #f7f9fc;
  --soft-2:    #edf7f2;
  --line:      #e2eaf4;
  --line-2:    #d0dce8;
  --danger:    #c0392b;
  --shadow-sm: 0 1px 3px rgba(15,28,46,.07), 0 4px 12px rgba(15,28,46,.07);
  --shadow:    0 4px 6px rgba(15,28,46,.05), 0 12px 40px rgba(15,28,46,.1);
  --shadow-lg: 0 8px 16px rgba(15,28,46,.06), 0 24px 64px rgba(15,28,46,.13);
  --radius:    20px;
  --radius-sm: 12px;
  --radius-lg: 28px;
}

/* ─── Reset & Base ─────────────────────────────── */
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }

body {
  margin: 0;
  font-family: 'Plus Jakarta Sans', ui-sans-serif, system-ui, -apple-system, "Segoe UI", sans-serif;
  color: var(--ink);
  background: var(--paper);
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
a:hover { color: var(--brand); }
img, svg { max-width: 100%; display: block; }
button, input, select, textarea { font: inherit; }

.container { width: min(1160px, calc(100% - 40px)); margin: 0 auto; }

/* ─── Topbar ────────────────────────────────────── */
.topbar {
  background: var(--ink);
  color: rgba(255,255,255,.82);
  font-size: .835rem;
  font-weight: 500;
  letter-spacing: .01em;
}
.topbar-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 40px;
  gap: 16px;
}
.topbar a { color: rgba(255,255,255,.9); font-weight: 600; }
.topbar a:hover { color: #fff; }
.topbar-links { display: flex; gap: 20px; align-items: center; white-space: nowrap; }
.lang-pill {
  border: 1px solid rgba(255,255,255,.25);
  border-radius: 999px;
  padding: 2px 10px;
  font-size: .78rem;
  font-weight: 700;
  letter-spacing: .06em;
}

/* ─── Header / Nav ──────────────────────────────── */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.97);
  backdrop-filter: blur(20px) saturate(180%);
  -webkit-backdrop-filter: blur(20px) saturate(180%);
  border-bottom: 1px solid var(--line);
}
.nav {
  min-height: 72px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.brand { display: flex; gap: 11px; align-items: center; min-width: max-content; flex-shrink: 0; }
.site-header .brand { min-width: max-content; }
.brand-logo {
  width: 46px; height: 46px;
  object-fit: contain;
  flex: 0 0 auto;
  border-radius: 11px;
}
.brand span { min-width: max-content; }
.brand strong {
  display: block;
  font-size: 1rem;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: -.02em;
  color: var(--brand-2);
  white-space: nowrap;
}
.brand small {
  display: block;
  color: var(--muted);
  margin-top: 1px;
  font-weight: 600;
  font-size: .68rem;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.nav-links { display: flex; gap: 2px; align-items: center; }
.nav-links a {
  padding: 8px 13px;
  border-radius: 999px;
  font-weight: 600;
  color: var(--ink-2);
  font-size: .88rem;
  transition: background .15s ease, color .15s ease;
}
.nav-links a:hover, .nav-links a.active {
  background: var(--soft);
  color: var(--brand);
}
.nav-actions { display: flex; gap: 8px; align-items: center; }
.menu-toggle {
  display: none;
  border: 0;
  background: var(--soft);
  color: var(--ink);
  border-radius: 10px;
  padding: 9px 12px;
  font-weight: 700;
  cursor: pointer;
}

/* ─── Buttons ───────────────────────────────────── */
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 7px;
  padding: 11px 22px;
  border-radius: 999px;
  border: 1.5px solid transparent;
  font-weight: 700;
  font-size: .9rem;
  cursor: pointer;
  transition: all .2s ease;
  min-height: 44px;
  letter-spacing: -.01em;
}
.button:hover { transform: translateY(-1px); }
.button.primary {
  background: var(--brand);
  color: #fff;
  box-shadow: 0 4px 14px rgba(26,86,168,.3), 0 1px 3px rgba(26,86,168,.2);
}
.button.primary:hover {
  background: var(--brand-dark);
  box-shadow: 0 8px 24px rgba(26,86,168,.35);
}
.button.secondary {
  border-color: var(--line-2);
  background: #fff;
  color: var(--ink-2);
}
.button.secondary:hover { border-color: var(--brand); color: var(--brand); }
.button.green {
  background: var(--brand-2);
  color: #fff;
  box-shadow: 0 4px 14px rgba(21,129,90,.28);
}
.button.green:hover { background: var(--brand-2-dark); box-shadow: 0 8px 24px rgba(21,129,90,.35); }
.button.light { background: #fff; color: var(--brand); font-weight: 700; }
.button.light:hover { background: var(--soft); }
.button.small { min-height: 36px; padding: 7px 16px; font-size: .84rem; }

/* ─── Hero ──────────────────────────────────────── */
.hero {
  position: relative;
  overflow: hidden;
  background: linear-gradient(160deg, #f3f8ff 0%, #f7fbf9 50%, #fefefe 100%);
  padding: 32px 0 64px;
}
.hero::before {
  content: "";
  position: absolute;
  top: -120px; right: -80px;
  width: 600px; height: 600px;
  background: radial-gradient(circle, rgba(26,86,168,.07) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.hero::after {
  content: "";
  position: absolute;
  bottom: -60px; left: -60px;
  width: 400px; height: 400px;
  background: radial-gradient(circle, rgba(21,129,90,.06) 0%, transparent 70%);
  border-radius: 50%;
  pointer-events: none;
}
.hero-grid {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1.1fr .9fr;
  gap: 52px;
  align-items: center;
}
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 7px;
  color: var(--brand-2);
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  font-size: .73rem;
  margin-bottom: 12px;
}
h1, h2, h3 { line-height: 1.1; margin: 0 0 14px; letter-spacing: -.03em; }
h1 { font-size: clamp(2.6rem, 5.5vw, 4.8rem); font-weight: 800; max-width: 720px; }
h2 { font-size: clamp(1.8rem, 3.2vw, 2.9rem); font-weight: 800; }
h3 { font-size: 1.08rem; font-weight: 700; }
p { margin: 0 0 16px; color: var(--muted); }
.hero-copy > p { font-size: 1.08rem; max-width: 600px; line-height: 1.7; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 10px; margin: 26px 0 20px; }
.hero-bullets {
  display: grid;
  gap: 9px;
  margin: 20px 0 0;
  padding: 0;
  list-style: none;
}
.hero-bullets li {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 600;
  font-size: .9rem;
  color: var(--ink-2);
}
.hero-bullets li::before {
  content: "✓";
  width: 20px; height: 20px;
  display: inline-grid;
  place-items: center;
  border-radius: 50%;
  background: var(--soft-2);
  color: var(--brand-2);
  font-weight: 800;
  font-size: .74rem;
  flex-shrink: 0;
}

/* ─── Hero Panel / Cards ────────────────────────── */
.hero-panel { position: relative; display: grid; gap: 14px; }

.card, .panel, .hero-card, .info-card, .program-card, .review-card, .officer-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.hero-card { padding: 24px; overflow: hidden; }
.hero-card-top {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 14px;
  border-bottom: 1px solid var(--line);
  padding-bottom: 16px;
  margin-bottom: 16px;
}
.rate-badge {
  background: var(--soft-2);
  color: var(--brand-2);
  border-radius: 999px;
  padding: 5px 12px;
  font-weight: 700;
  font-size: .78rem;
  letter-spacing: .04em;
  white-space: nowrap;
}
.quick-calc label {
  display: grid;
  gap: 5px;
  margin: 0 0 11px;
  color: var(--ink-2);
  font-weight: 600;
  font-size: .86rem;
}
.quick-calc input,
.quick-calc select,
.lead-form input,
.lead-form select,
.lead-form textarea,
.filter-bar input,
.filter-bar select {
  width: 100%;
  border: 1.5px solid var(--line);
  border-radius: 10px;
  padding: 10px 13px;
  background: var(--soft);
  color: var(--ink);
  outline: none;
  transition: border-color .15s ease, box-shadow .15s ease, background .15s ease;
  font-size: .88rem;
}
.quick-calc input:focus,
.quick-calc select:focus,
.lead-form input:focus,
.lead-form select:focus,
.lead-form textarea:focus,
.filter-bar input:focus,
.filter-bar select:focus {
  border-color: var(--brand);
  background: #fff;
  box-shadow: 0 0 0 3px rgba(26,86,168,.1);
}
.calc-result {
  background: linear-gradient(135deg, var(--ink) 0%, var(--brand-dark) 100%);
  color: #fff;
  border-radius: 14px;
  padding: 18px 20px;
  margin: 12px 0;
}
.calc-result span {
  display: block;
  color: rgba(255,255,255,.6);
  font-weight: 700;
  font-size: .72rem;
  text-transform: uppercase;
  letter-spacing: .1em;
  margin-bottom: 4px;
}
.calc-result output {
  display: block;
  font-size: 2rem;
  font-weight: 800;
  letter-spacing: -.04em;
  line-height: 1.1;
}
.calc-details { color: rgba(255,255,255,.6); font-size: .82rem; margin: 4px 0 0; }
.fine-print { font-size: .75rem; color: #8fa0b4; margin-bottom: 0; line-height: 1.55; }

/* ─── Official Logo Card ───────────────────────── */
.official-logo-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
  padding: 16px 20px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.official-logo {
  width: min(100%, 340px);
  margin: 0 auto;
  border-radius: 12px;
}

/* ─── Sections ──────────────────────────────────── */
.section { padding: 88px 0; }
.section.soft { background: var(--soft); }
.section.green-soft { background: var(--soft-2); }
.section-head {
  display: flex;
  align-items: flex-end;
  justify-content: space-between;
  gap: 28px;
  margin-bottom: 40px;
}
.section-head .copy { max-width: 620px; }
.section-head.centered {
  display: block;
  text-align: center;
  max-width: 740px;
  margin-left: auto;
  margin-right: auto;
  margin-bottom: 48px;
}

/* ─── Why Grid ──────────────────────────────────── */
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.info-card {
  padding: 28px;
  box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease;
}
.info-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.info-card .icon {
  width: 46px; height: 46px;
  display: grid;
  place-items: center;
  background: var(--soft);
  border-radius: 13px;
  margin-bottom: 16px;
  font-size: 1.25rem;
}
.info-card h3 { margin-bottom: 8px; }
.info-card p { margin-bottom: 0; font-size: .91rem; }

/* ─── Program Strip ─────────────────────────────── */
.program-strip { display: grid; grid-template-columns: repeat(5, 1fr); gap: 12px; }
.program-card {
  position: relative;
  padding: 22px;
  overflow: hidden;
  box-shadow: var(--shadow-sm);
  min-height: 175px;
  transition: transform .2s ease, box-shadow .2s ease;
}
.program-card:hover { transform: translateY(-4px); box-shadow: var(--shadow); }
.program-card::after {
  content: "";
  position: absolute;
  right: -36px; bottom: -36px;
  width: 90px; height: 90px;
  border-radius: 50%;
  background: rgba(21,129,90,.07);
}
.program-card strong {
  display: block;
  color: var(--brand);
  font-size: .75rem;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .1em;
  margin-bottom: 6px;
}
.program-card h3 { font-size: 1rem; margin-bottom: 10px; }
.program-card ul {
  margin: 0; padding: 0; list-style: none;
  display: grid; gap: 6px;
  color: var(--muted); font-size: .85rem;
}
.program-card li { display: flex; gap: 7px; align-items: baseline; }
.program-card li::before { content: "·"; color: var(--brand-2); font-weight: 900; flex-shrink: 0; }

/* ─── Steps / Timeline ──────────────────────────── */
.steps-wrap { display: grid; grid-template-columns: .85fr 1.15fr; gap: 48px; align-items: start; }
.timeline { display: grid; gap: 10px; }
.step {
  display: grid;
  grid-template-columns: 44px 1fr;
  gap: 14px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  padding: 16px 18px;
  transition: border-color .15s ease, box-shadow .15s ease;
}
.step:hover { border-color: var(--brand); box-shadow: var(--shadow-sm); }
.step-num {
  width: 44px; height: 44px;
  display: grid;
  place-items: center;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--brand), var(--brand-dark));
  color: #fff;
  font-weight: 800;
  font-size: .9rem;
}
.step h3 { margin-bottom: 4px; font-size: .97rem; }
.step p { margin-bottom: 0; font-size: .86rem; }

/* ─── Social / Split ────────────────────────────── */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; align-items: center; }
.social-tiles { display: grid; grid-template-columns: repeat(2, 1fr); gap: 11px; }
.social-tiles img {
  border-radius: 14px;
  border: 1px solid var(--line);
  background: #fff;
  transition: transform .2s ease;
}
.social-tiles img:hover { transform: scale(1.02); }
.panel { padding: 32px; }
.stat-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; margin-top: 20px; }
.stat {
  background: var(--soft);
  border-radius: 14px;
  padding: 16px;
}
.stat b { display: block; font-size: 1.5rem; color: var(--brand); letter-spacing: -.04em; font-weight: 800; }
.stat span { color: var(--muted); font-weight: 600; font-size: .78rem; margin-top: 2px; display: block; }

/* ─── Reviews ───────────────────────────────────── */
.review-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 14px; }
.review-card {
  padding: 26px;
  box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease;
}
.review-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.review-card blockquote {
  margin: 0 0 16px;
  color: var(--ink-2);
  font-weight: 600;
  font-size: .93rem;
  line-height: 1.65;
}
.review-card cite { font-style: normal; color: var(--muted); font-weight: 700; font-size: .82rem; }

/* ─── CTA Band ──────────────────────────────────── */
.cta-band {
  background: linear-gradient(135deg, var(--ink) 0%, var(--brand-dark) 100%);
  color: #fff;
  padding: 72px 0;
}
.cta-band p, .cta-band .eyebrow { color: rgba(255,255,255,.65); }
.cta-band h2 { color: #fff; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 28px; }
.cta-inner h2 { max-width: 740px; font-size: clamp(1.5rem, 2.6vw, 2.3rem); }

/* ─── Footer ────────────────────────────────────── */
.footer {
  background: #0a1929;
  color: rgba(255,255,255,.78);
  padding: 64px 0 28px;
}
.footer p, .footer a, .footer li { color: rgba(255,255,255,.65); font-size: .88rem; }
.footer a:hover { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.3fr .8fr .8fr .8fr; gap: 32px; }
.footer h3 {
  color: rgba(255,255,255,.4);
  font-size: .7rem;
  font-weight: 700;
  letter-spacing: .1em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
.footer ul { padding: 0; margin: 0; list-style: none; display: grid; gap: 9px; }
.footer .brand small { color: rgba(255,255,255,.4); }
.footer .brand strong { color: #3dca86; font-size: .92rem; }
.footer .brand-logo { width: 44px; height: 44px; background: rgba(255,255,255,.06); border-radius: 10px; padding: 2px; }
.compliance {
  border-top: 1px solid rgba(255,255,255,.08);
  margin-top: 44px;
  padding-top: 24px;
  font-size: .74rem;
  color: rgba(255,255,255,.4);
}
.compliance p { color: rgba(255,255,255,.4); font-size: .74rem; margin-bottom: 10px; }
.compliance a { color: rgba(255,255,255,.55); }
.compliance a:hover { color: rgba(255,255,255,.9); }

/* ─── Inner Pages ───────────────────────────────── */
.page-hero {
  background: linear-gradient(160deg, #f3f8ff, #edf7f2);
  padding: 64px 0;
  border-bottom: 1px solid var(--line);
}
.page-hero h1 { font-size: clamp(2.1rem, 4.2vw, 4rem); }
.breadcrumbs { color: var(--muted); font-weight: 600; margin-bottom: 12px; font-size: .86rem; }
.breadcrumbs a { color: var(--brand); }
.full-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 14px; }
.full-grid.three { grid-template-columns: repeat(3, 1fr); }
.loan-card {
  padding: 26px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: var(--shadow-sm);
  transition: transform .2s ease, box-shadow .2s ease;
}
.loan-card:hover { transform: translateY(-3px); box-shadow: var(--shadow); }
.loan-card h3 { color: var(--brand); font-size: 1.12rem; }
.loan-card dl { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin: 16px 0; }
.loan-card dt { color: var(--muted); font-size: .76rem; font-weight: 700; text-transform: uppercase; letter-spacing: .07em; }
.loan-card dd { margin: 0; font-weight: 700; }

/* ─── Calculator Page ───────────────────────────── */
.calculator-page { display: grid; grid-template-columns: .9fr 1.1fr; gap: 28px; align-items: start; }
.big-output {
  padding: 28px;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.big-output .total {
  font-size: clamp(2.1rem, 4.2vw, 3.8rem);
  font-weight: 800;
  color: var(--brand);
  line-height: 1;
  letter-spacing: -.05em;
}
.breakdown { display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px; margin-top: 18px; }
.breakdown div { background: var(--soft); border-radius: 12px; padding: 13px; }
.breakdown span { display: block; color: var(--muted); font-size: .76rem; font-weight: 700; margin-bottom: 3px; }
.breakdown b { font-size: 1.1rem; font-weight: 700; }
.chart {
  height: 196px;
  background: linear-gradient(180deg, #fff, #f7f9fc);
  border: 1px solid var(--line);
  border-radius: 14px;
  margin-top: 18px;
  position: relative;
  overflow: hidden;
}
.chart svg { width: 100%; height: 100%; }

/* ─── Lead Form / Contact ───────────────────────── */
.lead-form { display: grid; gap: 14px; }
.form-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; }
.lead-form label { display: grid; gap: 5px; font-weight: 600; font-size: .86rem; color: var(--ink-2); }
.lead-form textarea { min-height: 128px; resize: vertical; }
.consent {
  display: flex !important;
  align-items: flex-start;
  gap: 10px;
  font-weight: 600 !important;
  font-size: .84rem !important;
  color: var(--muted) !important;
}
.consent input { width: auto; margin-top: 3px; }
.form-status { font-weight: 700; color: var(--brand-2); margin-bottom: 0; font-size: .88rem; }
.contact-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 24px; align-items: start; }
.contact-list { display: grid; gap: 11px; }
.contact-card {
  padding: 18px 22px;
  border: 1px solid var(--line);
  border-radius: 16px;
  background: #fff;
  box-shadow: var(--shadow-sm);
}
.contact-card b { display: block; color: var(--brand); margin-bottom: 4px; }

/* ─── Officer Filter ────────────────────────────── */
.filter-bar { display: grid; grid-template-columns: 1fr .7fr .7fr auto; gap: 10px; margin: 0 0 22px; }
.officer-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 13px; }
.officer-card { padding: 22px; box-shadow: var(--shadow-sm); }
.avatar {
  width: 50px; height: 50px;
  display: grid;
  place-items: center;
  border-radius: 14px;
  background: linear-gradient(135deg, var(--brand), var(--brand-2));
  color: #fff;
  font-weight: 800;
  font-size: 1.25rem;
  margin-bottom: 13px;
}
.badge-list { display: flex; flex-wrap: wrap; gap: 6px; margin: 11px 0; }
.badge {
  background: var(--soft);
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: 3px 10px;
  font-size: .73rem;
  color: var(--muted);
  font-weight: 700;
}

/* ─── Floating Callback ─────────────────────────── */
.floating-callback {
  position: fixed;
  right: 20px; bottom: 20px;
  z-index: 40;
  display: flex;
  gap: 12px;
  align-items: center;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  box-shadow: var(--shadow-lg);
  padding: 11px 14px;
  max-width: 296px;
  transition: transform .2s ease;
}
.floating-callback:hover { transform: translateY(-2px); }
.floating-callback .dot {
  width: 9px; height: 9px;
  background: #1fbe6e;
  border-radius: 50%;
  box-shadow: 0 0 0 4px rgba(31,190,110,.18);
  flex-shrink: 0;
  animation: pulse 2.2s ease-in-out infinite;
}
@keyframes pulse {
  0%, 100% { box-shadow: 0 0 0 4px rgba(31,190,110,.18); }
  50%       { box-shadow: 0 0 0 7px rgba(31,190,110,.07); }
}
.floating-callback b { display: block; font-size: .88rem; line-height: 1.3; }
.floating-callback span { color: var(--muted); font-size: .76rem; }

/* ─── Legal pages ───────────────────────────────── */
.legal-content { max-width: 820px; }
.legal-content h2 { font-size: 1.45rem; margin-top: 34px; }
.legal-content ul { color: var(--muted); }

/* ─── Responsive ────────────────────────────────── */
@media (max-width: 1220px) {
  .nav-links, .nav-actions { display: none; }
  .menu-toggle { display: inline-flex; }
  .nav.open { flex-wrap: wrap; padding-bottom: 14px; }
  .nav.open .nav-links,
  .nav.open .nav-actions { display: flex; width: 100%; justify-content: flex-start; flex-wrap: wrap; }
}

@media (max-width: 1020px) {
  .hero-grid,
  .steps-wrap,
  .split,
  .calculator-page,
  .contact-grid { grid-template-columns: 1fr; }
  .program-strip { grid-template-columns: repeat(2, 1fr); }
  .why-grid,
  .review-grid,
  .footer-grid,
  .full-grid.three,
  .officer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 700px) {
  .topbar-inner { flex-direction: column; align-items: flex-start; padding: 10px 0; gap: 6px; }
  .topbar-links { flex-wrap: wrap; gap: 12px; }
  .hero { padding-top: 24px; padding-bottom: 48px; }
  .section { padding: 60px 0; }
  .section-head, .cta-inner { display: block; }
  .section-head .button, .cta-inner .button { margin-top: 16px; }
  .why-grid,
  .review-grid,
  .footer-grid,
  .full-grid,
  .full-grid.three,
  .program-strip,
  .form-grid,
  .breakdown,
  .officer-grid,
  .social-tiles,
  .stat-grid,
  .filter-bar { grid-template-columns: 1fr; }
  .brand { min-width: 0; max-width: calc(100% - 60px); gap: 8px; }
  .site-header .brand { min-width: 0; max-width: calc(100% - 60px); }
  .brand span { min-width: 0; }
  .brand strong { font-size: clamp(.88rem, 3.8vw, 1rem); white-space: normal; }
  .brand-logo { width: 40px; height: 40px; flex: 0 0 auto; }
  .floating-callback { display: none; }
  .official-logo-card { padding: 12px; }
  .official-logo { width: min(100%, 230px); }
  .footer .brand-logo { width: 40px; height: 40px; }
  .hero-grid { gap: 36px; }
  h1 { font-size: clamp(2rem, 7vw, 2.8rem); }
}