:root {
  --green: #148038;
  --green-dark: #116d30;
  --green-bright: #19a64a;
  --green-tint: #e8f6ed;
  --gold: #f6b82b;
  --gold-dark: #d99a0b;
  --gold-tint: #fff8df;
  --ink: #1d1d1b;
  --ink-2: #474747;
  --muted: #747474;
  --line: #e1e1e1;
  --bg: #ffffff;
  --bg-2: #f5f5f5;
  --white: #fff;
  --radius: 14px;
  --shadow: 0 12px 32px rgba(20, 50, 30, 0.1);
  --serif: 'Playfair Display', Georgia, 'Times New Roman', serif;
  --sans: 'Poppins', -apple-system, BlinkMacSystemFont, 'Segoe UI', Helvetica, Arial, sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: var(--sans); color: var(--ink-2); background: var(--bg); line-height: 1.65; font-size: 16.5px; -webkit-font-smoothing: antialiased; }
img { max-width: 100%; display: block; }
a { color: var(--green); }
h1, h2, h3, h4 { color: var(--ink); line-height: 1.15; margin: 0 0 0.5em; font-weight: 700; }
h1, h2 { font-family: var(--serif); letter-spacing: -0.01em; }
h1 { font-size: clamp(2.2rem, 5vw, 3.6rem); }
h2 { font-size: clamp(1.75rem, 3.4vw, 2.5rem); }
h3 { font-size: 1.2rem; }
h4 { font-size: 1rem; margin-bottom: 0.2em; }
p { margin: 0 0 1em; }
.accent { color: var(--green); }
.gold { color: var(--gold); }
.muted { color: var(--muted); }
.warn { color: #a1251c; }
.lead { font-size: 1.15rem; color: var(--ink-2); font-weight: 300; }
.center { text-align: center; }
.wrap { width: min(1180px, 100% - 32px); margin-inline: auto; }
.wrap.narrow { max-width: 860px; }
.hint { color: var(--muted); font-size: 0.9rem; }
code { background: var(--bg-2); padding: 1px 5px; border-radius: 4px; font-size: 0.9em; }
hr { border: 0; border-top: 1px solid var(--line); margin: 20px 0; }
.eyebrow { display: inline-block; font-size: 0.74rem; font-weight: 600; letter-spacing: 0.16em; text-transform: uppercase; color: var(--green); margin-bottom: 12px; }
.eyebrow--gold { color: var(--gold); }
.check { display: inline-flex; align-items: center; justify-content: center; width: 20px; height: 20px; border-radius: 50%; background: var(--green-bright); color: #fff; font-size: 0.75rem; font-weight: 700; flex: none; }

/* buttons */
.btn { display: inline-flex; align-items: center; gap: 9px; background: var(--green); color: #fff; text-decoration: none; font-weight: 600; font-size: 0.9rem; padding: 14px 26px; border-radius: 999px; border: 2px solid var(--green); cursor: pointer; font-family: inherit; transition: background 0.15s, color 0.15s, transform 0.15s, box-shadow 0.15s; line-height: 1.2; white-space: nowrap; }
.btn:hover { background: var(--green-dark); border-color: var(--green-dark); transform: translateY(-1px); box-shadow: 0 8px 18px rgba(20, 128, 56, 0.25); }
.btn--sm { padding: 10px 16px; font-size: 0.8rem; }
.btn--lg { padding: 16px 36px; font-size: 1rem; }
.btn--gold { background: var(--gold); border-color: var(--gold); color: var(--ink); }
.btn--gold:hover { background: var(--gold-dark); border-color: var(--gold-dark); color: var(--ink); box-shadow: 0 8px 18px rgba(246, 184, 43, 0.35); }
.btn--gold .check { background: var(--ink); color: var(--gold); }
.btn--check { background: #fff; color: var(--green); border-color: var(--green-tint); }
.btn--check:hover { background: var(--green-tint); border-color: var(--green-tint); color: var(--green-dark); box-shadow: none; }
.btn--outline { background: transparent; color: var(--ink); border-color: var(--ink); }
.btn--outline:hover { background: var(--ink); color: #fff; border-color: var(--ink); box-shadow: none; }
.btn--outline-light { background: transparent; color: #fff; border-color: rgba(255,255,255,0.7); }
.btn--outline-light:hover { background: #fff; color: var(--ink); border-color: #fff; box-shadow: none; }
.btn--danger { background: #b3261e; border-color: #b3261e; }
.btn--danger:hover { background: #8e1d17; border-color: #8e1d17; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; margin-top: 8px; }
.btn-row.center { justify-content: center; }
.linkbtn { background: none; border: 0; color: var(--green); font: inherit; cursor: pointer; padding: 0; text-decoration: underline; }
.linkbtn.danger { color: #b3261e; }

/* header */
.topbar { background: #fff; border-bottom: 1px solid var(--line); position: sticky; top: 0; z-index: 50; }
.topbar__in { display: flex; align-items: center; justify-content: space-between; gap: 20px; height: 78px; }
.brand { display: inline-flex; align-items: center; gap: 11px; text-decoration: none; color: var(--ink); }
.brand__mark { width: 44px; height: 44px; flex: none; }
.brand__text { display: flex; flex-direction: column; line-height: 1.05; }
.brand__name { font-family: var(--serif); font-weight: 800; font-size: 1.35rem; color: var(--ink); }
.brand__name em { font-style: normal; color: var(--green); }
.brand__sub { font-size: 0.64rem; color: var(--muted); letter-spacing: 0.16em; text-transform: uppercase; margin-top: 3px; }
.topbar__nav { display: flex; align-items: center; gap: 20px; }
.topbar__nav > a { white-space: nowrap; }
.topbar__nav > a:not(.btn) { color: var(--ink); text-decoration: none; font-weight: 500; font-size: 0.9rem; }
.topbar__nav > a:not(.btn):hover { color: var(--green); }
.topbar__phone { font-weight: 600 !important; color: var(--green) !important; }
.navtoggle { display: none; background: none; border: 0; width: 44px; height: 44px; padding: 10px; cursor: pointer; flex-direction: column; justify-content: space-between; }
.navtoggle span { display: block; height: 3px; background: var(--ink); border-radius: 2px; }

/* hero */
.hero { background: linear-gradient(180deg, var(--green-tint) 0%, #fff 100%); overflow: hidden; }
.hero__in { display: grid; grid-template-columns: 1.05fr 1fr; gap: 56px; align-items: center; padding: 72px 0 80px; }
.hero h1 { font-size: clamp(2.5rem, 5.4vw, 4rem); margin-bottom: 20px; }
.hero__lead { font-size: 1.2rem; font-weight: 300; max-width: 52ch; }
.hero__lead strong { font-weight: 600; color: var(--ink); }
.hero__proof { list-style: none; display: flex; flex-wrap: wrap; gap: 10px 28px; padding: 0; margin: 30px 0 0; color: var(--muted); font-size: 0.92rem; }
.hero__proof strong { color: var(--green); font-weight: 700; }
.hero__media { position: relative; isolation: isolate; }
.hero__media img { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; border-radius: 24px; box-shadow: var(--shadow); }
.hero__media::before { content: ''; position: absolute; inset: -18px -18px auto auto; width: 60%; height: 60%; background: var(--gold); border-radius: 28px; z-index: -1; opacity: 0.9; }
.hero__float { position: absolute; left: -20px; bottom: 28px; background: #fff; border-radius: 14px; box-shadow: var(--shadow); padding: 14px 18px; display: flex; align-items: center; gap: 12px; }
.hero__float-check { width: 36px; height: 36px; border-radius: 50%; background: var(--green-bright); color: #fff; display: inline-flex; align-items: center; justify-content: center; font-weight: 700; flex: none; }
.hero__float strong { display: block; color: var(--ink); font-size: 0.95rem; }
.hero__float small { color: var(--muted); font-size: 0.78rem; }

/* sections */
.section { padding: 84px 0; }
.section--page { padding: 64px 0 84px; }
.section--page h1 { margin-bottom: 10px; }
.section--light { background: var(--bg-2); }
.section--tools { background: #fff; padding-top: 48px; }
.section__head { max-width: 680px; margin-bottom: 36px; }
.section__head p { color: var(--muted); font-size: 1.1rem; }
.section__head--light h2, .section__head--light p { color: #fff; }
.section__head--light p { opacity: 0.85; }

/* tools (three cards) */
.tools { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 22px; }
.tool { position: relative; display: block; text-decoration: none; color: inherit; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; transition: transform 0.15s, box-shadow 0.15s, border-color 0.15s; }
.tool:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: var(--green-tint); }
.tool h3 { margin-top: 18px; }
.tool p { color: var(--muted); font-size: 0.97rem; }
.tool__icon { display: inline-flex; align-items: center; justify-content: center; width: 52px; height: 52px; border-radius: 14px; font-weight: 700; font-size: 1.05rem; letter-spacing: 0.04em; }
.tool__icon--green { background: var(--green-tint); color: var(--green); font-size: 1.4rem; }
.tool__icon--gold { background: var(--gold-tint); color: var(--gold-dark); font-size: 0.85rem; }
.tool__icon--dark { background: var(--ink); color: var(--gold); font-size: 1.4rem; }
.tool__cta { font-weight: 600; color: var(--green); font-size: 0.9rem; }
.card__count { position: absolute; top: 22px; right: 24px; font-family: var(--serif); font-weight: 800; font-size: 1.5rem; color: var(--green); background: var(--green-tint); border-radius: 999px; min-width: 48px; height: 48px; padding: 0 12px; display: inline-flex; align-items: center; justify-content: center; }

/* search bar */
.status__search { display: flex; gap: 10px; margin: 18px 0 20px; max-width: 760px; }
.status__search--center { margin: 36px auto 0; }
.status__search input { flex: 1; font: inherit; padding: 14px 18px; border: 1.5px solid #cfd4d1; border-radius: 999px; background: #fff; min-width: 0; }
.status__search input:focus { outline: 2px solid var(--green); outline-offset: 1px; border-color: var(--green); }

/* split sections */
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.split__media img { width: 100%; height: 100%; min-height: 440px; object-fit: cover; border-radius: 24px; box-shadow: var(--shadow); }
.split__media--tall img { min-height: 520px; }
.checks, .dots { list-style: none; margin: 0 0 18px; padding: 0; }
.checks li { padding-left: 30px; position: relative; margin: 9px 0; color: var(--ink-2); }
.checks li::before { content: '\2713'; position: absolute; left: 0; top: 1px; width: 20px; height: 20px; border-radius: 50%; background: var(--green-tint); color: var(--green); font-size: 0.75rem; font-weight: 700; display: inline-flex; align-items: center; justify-content: center; }
.checks--2col { display: grid; grid-template-columns: 1fr 1fr; gap: 0 20px; }
.checks--light li { color: rgba(255,255,255,0.9); }
.checks--light li::before { background: var(--gold); color: var(--ink); }
.dots li { position: relative; padding-left: 18px; margin: 8px 0; }
.dots li::before { content: ''; position: absolute; left: 0; top: 0.68em; width: 7px; height: 7px; border-radius: 50%; background: currentColor; opacity: 0.8; }
.dots--dark li { color: var(--ink-2); }
.benefits { display: grid; grid-template-columns: 1fr 1fr; gap: 18px 28px; margin: 24px 0 28px; }
.benefit h4 { color: var(--green-dark); }
.benefit p { color: var(--muted); font-size: 0.95rem; margin: 0; }

/* green band with trio */
.section--green { background: var(--green); color: #fff; }
.trio { display: grid; grid-template-columns: repeat(3, 1fr); gap: 22px; }
.trio__card { background: rgba(255,255,255,0.08); border: 1px solid rgba(255,255,255,0.18); border-radius: var(--radius); padding: 28px; color: #fff; }
.trio__card h3 { color: #fff; }
.trio__card .dots li { color: rgba(255,255,255,0.9); }
.trio__card--gold { background: var(--gold); border-color: var(--gold); color: var(--ink); }
.trio__card--gold h3, .trio__card--gold .dots li { color: var(--ink); }
.trio__letter { display: inline-flex; align-items: center; justify-content: center; width: 44px; height: 44px; border-radius: 12px; background: #fff; color: var(--green); font-family: var(--serif); font-weight: 800; font-size: 1.3rem; margin-bottom: 14px; }
.trio__card--gold .trio__letter { background: var(--ink); color: var(--gold); }

/* dark non-warrantable band */
.section--dark { background: var(--ink); color: rgba(255,255,255,0.88); }
.section--dark h2 { color: #fff; }
.nw { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 56px; align-items: center; }
.nw__media img { width: 100%; min-height: 460px; object-fit: cover; border-radius: 24px; border: 4px solid var(--gold); }
.section--dark .checks--2col { max-width: 640px; }

/* reasons grid (non-warrantable page) */
.reasons { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 18px; margin-bottom: 32px; }
.reason { background: #fff; border-left: 5px solid var(--gold); border-radius: 10px; padding: 22px 24px; box-shadow: 0 4px 14px rgba(0,0,0,0.04); }
.reason h3 { font-size: 1.05rem; color: var(--green-dark); }
.reason h3 small { font-weight: 400; color: var(--muted); font-size: 0.85rem; }
.reason p { margin: 0; color: var(--ink-2); font-size: 0.95rem; }
.section--nw-hero { background: linear-gradient(180deg, var(--green-tint), #fff); padding-bottom: 56px; }
.section--nw-hero .lead { max-width: 820px; }

/* cta */
.section--cta { background: var(--gold-tint); }
.cta { display: flex; align-items: center; justify-content: space-between; gap: 40px; flex-wrap: wrap; }
.cta h2 { margin-bottom: 8px; }
.cta .lead { max-width: 56ch; margin: 0; }

/* cards */
.card { background: #fff; border-radius: var(--radius); padding: 26px 28px; box-shadow: var(--shadow); border: 1px solid var(--line); }
.card--flat { box-shadow: none; margin-bottom: 20px; }
.card--form { padding: 36px 40px; }
.fha-tips { max-width: 760px; }

/* tables */
.table-wrap { overflow-x: auto; background: #fff; border: 1px solid var(--line); border-radius: var(--radius); }
.table { width: 100%; border-collapse: collapse; font-size: 0.95rem; }
.table th, .table td { text-align: left; padding: 14px 16px; border-bottom: 1px solid var(--line); vertical-align: top; }
.table th { font-size: 0.7rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); background: var(--bg-2); }
.table tr:last-child td { border-bottom: 0; }
.table td.empty { text-align: center; color: var(--muted); padding: 40px; }
.table td.notes { max-width: 320px; color: var(--muted); font-size: 0.9rem; }
.table td.actions { white-space: nowrap; }
.table td.actions form { display: inline; margin-left: 10px; }
.badge { display: inline-block; padding: 4px 11px; border-radius: 999px; font-size: 0.74rem; font-weight: 600; letter-spacing: 0.03em; background: var(--bg-2); color: var(--ink-2); white-space: nowrap; }
.badge--approved, .badge--fha-approved { background: var(--green-tint); color: var(--green-dark); }
.badge--conditionally-approved { background: var(--gold-tint); color: #8a5a00; }
.badge--under-review, .badge--pending, .badge--in-review { background: #e6f0fa; color: #1f4e8c; }
.badge--not-approved, .badge--denied, .badge--rejected, .badge--ineligible, .badge--withdrawn { background: #fde3e1; color: #a1251c; }
.badge--expired { background: #ececec; color: #666; }

/* forms */
.form { margin-top: 24px; }
.form--compact .field { margin-bottom: 12px; }
.form--inline { display: flex; flex-wrap: wrap; gap: 14px; align-items: flex-end; background: var(--bg-2); padding: 22px 24px; border-radius: var(--radius); }
.form--inline .field { margin: 0; flex: 1 1 200px; }
.form--inline .field--sm { flex: 0 1 150px; }
.form--inline .btn { height: 50px; }
.field { display: block; margin-bottom: 22px; border: 0; padding: 0; min-width: 0; }
.field > span, .field > legend, .field .label, legend { display: block; font-weight: 600; color: var(--ink); margin-bottom: 6px; font-size: 0.93rem; }
.req { color: #b3261e; margin-left: 2px; }
.form input[type=text], .form input[type=tel], .form input[type=email], .form input[type=password], .form input[type=search], .form textarea, .form select { width: 100%; font: inherit; padding: 12px 14px; border: 1.5px solid #cfd4d1; border-radius: 10px; background: #fff; }
.form input:focus, .form textarea:focus, .form select:focus { outline: 2px solid var(--green); outline-offset: 1px; border-color: var(--green); }
.form textarea { resize: vertical; }
.form select { height: 50px; }
.radio { display: inline-flex; align-items: center; gap: 6px; margin-right: 22px; font-weight: 500; color: var(--ink); cursor: pointer; }
.radio input { accent-color: var(--green); width: 16px; height: 16px; }
.grid-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 0 24px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0 24px; }
.group.is-hidden { display: none; }
.hp { position: absolute; left: -9999px; width: 1px; height: 1px; opacity: 0; }
.dropzone { display: block; border: 1.5px dashed #b9c4bd; border-radius: 12px; background: #fff; padding: 26px 16px; text-align: center; cursor: pointer; position: relative; transition: border-color 0.15s, background 0.15s; }
.dropzone:hover, .dropzone.is-drag { border-color: var(--green); background: var(--green-tint); }
.dropzone input { position: absolute; inset: 0; opacity: 0; width: 100%; height: 100%; cursor: pointer; }
.dropzone__text { display: block; color: var(--muted); font-size: 0.85rem; line-height: 1.5; }
.dropzone__text strong { color: var(--green); font-size: 1rem; }
.dropzone__list { display: block; margin-top: 10px; font-size: 0.85rem; color: var(--green); font-weight: 600; }
.form__h { margin-top: 32px; }
.alert { padding: 14px 18px; border-radius: 10px; margin: 18px 0; }
.alert--error { background: #fde3e1; color: #7f1d16; }
.alert--error ul { margin: 6px 0 0 18px; }
.alert--ok { background: var(--green-tint); color: var(--green-dark); }
.alert--info { background: var(--gold-tint); color: #5c4300; }
.bigcheck { width: 84px; height: 84px; border-radius: 50%; background: var(--green-tint); color: var(--green); font-size: 2.4rem; display: inline-flex; align-items: center; justify-content: center; margin-bottom: 20px; }

/* admin */
.adminbar { background: var(--ink); color: #fff; }
.adminbar__in { display: flex; align-items: center; justify-content: space-between; height: 48px; }
.adminbar nav { display: flex; gap: 22px; }
.adminbar nav a { color: #cfd3d6; text-decoration: none; font-weight: 600; font-size: 0.8rem; letter-spacing: 0.06em; text-transform: uppercase; }
.adminbar nav a.is-active, .adminbar nav a:hover { color: var(--gold); }
.adminbar .linkbtn { color: #cfd3d6; font-size: 0.8rem; text-decoration: none; }
.section--admin { padding: 44px 0 80px; }
.section--admin .tools { margin-bottom: 24px; }
.admin-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin: 24px 0; }
.dl { display: grid; grid-template-columns: max-content 1fr; gap: 8px 24px; margin: 0; }
.dl dt { font-weight: 600; color: var(--ink); }
.dl dd { margin: 0; white-space: pre-wrap; }
.files { list-style: none; padding: 0; margin: 0; }
.files li { padding: 8px 0; border-bottom: 1px solid var(--line); }

/* footer */
.footer { background: var(--ink); color: rgba(255,255,255,0.8); }
.footer__in { display: flex; justify-content: space-between; gap: 40px; padding: 60px 0 40px; flex-wrap: wrap; }
.footer .brand__name, .footer .brand__sub { color: #fff; }
.footer .brand__name em { color: var(--gold); }
.footer__tag { font-family: var(--serif); color: #fff; font-size: 1.15rem; margin: 18px 0 6px; }
.footer__states { color: rgba(255,255,255,0.7); margin: 0 0 10px; }
.footer__contact a { font-weight: 600; color: var(--gold); text-decoration: none; }
.footer__addr { color: rgba(255,255,255,0.6); font-size: 0.85rem; }
.footer__cols { display: flex; gap: 60px; flex-wrap: wrap; }
.footer__links { display: flex; flex-direction: column; gap: 10px; }
.footer__links h4 { color: #fff; font-size: 0.78rem; letter-spacing: 0.14em; text-transform: uppercase; margin-bottom: 4px; }
.footer__links a { color: rgba(255,255,255,0.8); text-decoration: none; font-size: 0.92rem; }
.footer__links a:hover { color: var(--gold); }
.footer__legal { border-top: 1px solid rgba(255,255,255,0.12); padding: 26px 0; color: rgba(255,255,255,0.55); font-size: 0.82rem; }
.footer__copy { margin: 0; color: rgba(255,255,255,0.75); }
.footer__copy a { color: rgba(255,255,255,0.5); }
.sep { margin: 0 10px; }

/* responsive */
@media (max-width: 1100px) {
  .topbar__nav > a:not(.btn):not(.topbar__phone) { display: none; }
}
@media (max-width: 980px) {
  .hero__in { grid-template-columns: 1fr; padding: 48px 0 56px; gap: 40px; }
  .hero__media::before { display: none; }
  .hero__float { left: 12px; }
  .split, .admin-grid, .nw { grid-template-columns: 1fr; }
  .split__media img, .split__media--tall img, .nw__media img { min-height: 300px; }
  .split--rev .split__media { order: -1; }
  .trio { grid-template-columns: 1fr; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .benefits { grid-template-columns: 1fr; }
}
@media (max-width: 760px) {
  body { font-size: 16px; }
  .section { padding: 56px 0; }
  .topbar__in { height: 68px; }
  .brand__mark { width: 38px; height: 38px; }
  .brand__name { font-size: 1.15rem; }
  .navtoggle { display: flex; }
  .topbar__nav { display: none; position: absolute; top: 68px; left: 0; right: 0; background: #fff; border-bottom: 1px solid var(--line); flex-direction: column; align-items: stretch; gap: 0; padding: 8px 16px 16px; box-shadow: var(--shadow); }
  .nav-open .topbar__nav { display: flex; }
  .topbar__nav > a:not(.btn) { display: block !important; padding: 12px 4px; border-bottom: 1px solid var(--line); }
  .topbar__nav .btn { margin-top: 12px; justify-content: center; }
  .grid-2, .grid-3, .checks--2col { grid-template-columns: 1fr; }
  .card, .card--form { padding: 22px; }
  .card__count { position: static; display: inline-flex; margin-bottom: 10px; }
  .status__search { flex-direction: column; }
  .status__search .btn { justify-content: center; }
  .btn-row .btn { width: 100%; justify-content: center; }
  .form--inline { flex-direction: column; align-items: stretch; }
  .form--inline .field, .form--inline .field--sm { flex: none; }
  .table thead { display: none; }
  .table tr { display: block; border-bottom: 1px solid var(--line); padding: 8px 0; }
  .table td { display: block; border: 0; padding: 4px 16px; }
  .table td[data-label]::before { content: attr(data-label); display: block; font-size: 0.68rem; letter-spacing: 0.12em; text-transform: uppercase; color: var(--muted); }
  .table td:empty { display: none; }
  .dl { grid-template-columns: 1fr; gap: 2px 0; }
  .dl dd { margin-bottom: 10px; }
  .adminbar__in { height: auto; padding: 10px 0; flex-wrap: wrap; gap: 8px; }
  .adminbar nav { gap: 14px; flex-wrap: wrap; }
  .cta { flex-direction: column; align-items: flex-start; }
}

/* ===== motion ===== */
.reveal { opacity: 0; transform: translateY(22px); transition: opacity 0.7s cubic-bezier(0.22, 1, 0.36, 1), transform 0.7s cubic-bezier(0.22, 1, 0.36, 1); will-change: opacity, transform; }
.reveal.is-visible { opacity: 1; transform: none; }
.split__media.reveal { transform: translateY(22px) scale(0.97); }
.split__media.reveal.is-visible { transform: none; }
@keyframes rise { from { opacity: 0; transform: translateY(26px); } to { opacity: 1; transform: none; } }
@keyframes zoomIn { from { opacity: 0; transform: scale(0.94) translateY(16px); } to { opacity: 1; transform: none; } }
@keyframes bob { 0%, 100% { transform: translateY(0); } 50% { transform: translateY(-8px); } }
@keyframes drift { 0%, 100% { transform: translate(0, 0) rotate(0deg); } 50% { transform: translate(6px, -8px) rotate(2deg); } }
@keyframes pulseRing { 0% { box-shadow: 0 0 0 0 rgba(25, 166, 74, 0.45); } 70% { box-shadow: 0 0 0 12px rgba(25, 166, 74, 0); } 100% { box-shadow: 0 0 0 0 rgba(25, 166, 74, 0); } }
@keyframes shimmer { 0% { background-position: -200% 0; } 100% { background-position: 200% 0; } }
@keyframes gradientShift { 0% { background-position: 0% 50%; } 50% { background-position: 100% 50%; } 100% { background-position: 0% 50%; } }
.hero .eyebrow, .hero h1, .hero__lead, .hero .btn-row, .hero__proof { animation: rise 0.8s cubic-bezier(0.22, 1, 0.36, 1) both; }
.hero h1 { animation-delay: 0.08s; }
.hero__lead { animation-delay: 0.18s; }
.hero .btn-row { animation-delay: 0.28s; }
.hero__proof { animation-delay: 0.4s; }
.hero__media img { animation: zoomIn 1s cubic-bezier(0.22, 1, 0.36, 1) 0.15s both; }
.hero__media::before { animation: drift 9s ease-in-out infinite; }
.hero__float { animation: rise 0.8s cubic-bezier(0.22, 1, 0.36, 1) 0.7s both, bob 4s ease-in-out 1.6s infinite; }
.hero__float-check { animation: pulseRing 2.6s ease-out 2s infinite; }
.hero { background: linear-gradient(120deg, var(--green-tint) 0%, #fff 55%, var(--gold-tint) 100%); background-size: 200% 200%; animation: gradientShift 14s ease infinite; }
.hero__media { transition: transform 0.2s linear; }
.topbar { transition: box-shadow 0.25s, background 0.25s; }
.topbar.is-scrolled { box-shadow: 0 6px 24px rgba(20, 50, 30, 0.08); background: rgba(255,255,255,0.92); backdrop-filter: blur(10px); -webkit-backdrop-filter: blur(10px); }
.topbar__in { transition: height 0.25s; }
.topbar.is-scrolled .topbar__in { height: 64px; }
.topbar__nav > a:not(.btn) { position: relative; }
.topbar__nav > a:not(.btn)::after { content: ''; position: absolute; left: 0; right: 0; bottom: -4px; height: 2px; background: var(--gold); transform: scaleX(0); transform-origin: left; transition: transform 0.25s; }
.topbar__nav > a:not(.btn):hover::after { transform: scaleX(1); }
.btn { position: relative; overflow: hidden; }
.btn .ripple { position: absolute; width: 10px; height: 10px; margin: -5px 0 0 -5px; border-radius: 50%; background: rgba(255,255,255,0.45); pointer-events: none; animation: rippleOut 0.65s ease-out forwards; }
.btn--gold .ripple, .btn--check .ripple, .btn--outline .ripple { background: rgba(20, 128, 56, 0.25); }
@keyframes rippleOut { to { transform: scale(40); opacity: 0; } }
.btn::after { content: ''; position: absolute; top: 0; left: -75%; width: 50%; height: 100%; background: linear-gradient(120deg, transparent, rgba(255,255,255,0.35), transparent); transform: skewX(-20deg); transition: left 0.5s; pointer-events: none; }
.btn:hover::after { left: 125%; }
.tool { overflow: hidden; }
.tool::before { content: ''; position: absolute; inset: 0 0 auto 0; height: 4px; background: linear-gradient(90deg, var(--green), var(--gold)); transform: scaleX(0); transform-origin: left; transition: transform 0.35s; }
.tool:hover::before { transform: scaleX(1); }
.tool__icon { transition: transform 0.3s cubic-bezier(0.34, 1.56, 0.64, 1); }
.tool:hover .tool__icon { transform: rotate(-6deg) scale(1.1); }
.tool__cta { display: inline-block; transition: transform 0.25s; }
.tool:hover .tool__cta { transform: translateX(6px); }
.trio__card { transition: transform 0.25s, background 0.25s; }
.trio__card:hover { transform: translateY(-6px); background: rgba(255,255,255,0.14); }
.trio__card--gold:hover { background: #ffc545; }
.reason { transition: transform 0.25s, box-shadow 0.25s; }
.reason:hover { transform: translateY(-4px); box-shadow: 0 14px 30px rgba(0,0,0,0.08); }
.split__media img { transition: transform 0.6s cubic-bezier(0.22, 1, 0.36, 1); }
.split__media:hover img { transform: scale(1.025); }
.checks li { transition: transform 0.2s; }
.checks li:hover { transform: translateX(4px); }
.table tbody tr { transition: background 0.15s; }
.table tbody tr:hover td { background: var(--green-tint); }
.table.is-loading { opacity: 0.5; transition: opacity 0.2s; }
.badge { transition: transform 0.15s; }
.table tr:hover .badge { transform: scale(1.04); }
.card__count { animation: bob 5s ease-in-out infinite; }
.bigcheck { animation: zoomIn 0.6s cubic-bezier(0.34, 1.56, 0.64, 1) both, pulseRing 2.4s ease-out 0.8s 3; }
.section--green { background: linear-gradient(135deg, var(--green-dark), var(--green) 55%, var(--green-bright)); background-size: 200% 200%; animation: gradientShift 18s ease infinite; }
.section--cta { background: linear-gradient(120deg, var(--gold-tint), #fff 50%, var(--green-tint)); background-size: 200% 200%; animation: gradientShift 16s ease infinite; }
.dropzone.has-files { border-style: solid; border-color: var(--green); background: var(--green-tint); }
@media (prefers-reduced-motion: reduce) {
  .reveal { opacity: 1; transform: none; transition: none; }
  .hero *, .hero__media::before, .hero__float, .hero__float-check, .hero, .section--green, .section--cta, .card__count, .bigcheck { animation: none !important; }
  .btn::after { display: none; }
}

/* ===== additions: non-warrantable list, approvals ===== */
.badge--nw { background: #fde3e1; color: #a1251c; }
.badge--new { background: var(--gold-tint); color: #8a5a00; }
.badge--in-review { background: #e6f0fa; color: #1f4e8c; }
.badge--needs-documents { background: #fff0cc; color: #7a4b00; }
.badge--closed { background: #ececec; color: #666; }
.why { margin-top: 6px; font-size: 0.86rem; color: var(--muted); max-width: 420px; }
.why summary { cursor: pointer; color: var(--green); font-weight: 600; font-size: 0.8rem; }
.card--approve { border-color: var(--green-bright); background: var(--green-tint); }
.table--nw td:first-child { min-width: 180px; }