/* ==========================================================================
   MHI homepage, Direction 1 final (editorial), built on the LIVE design tokens.
   FONTS: no font files. The live site uses system font stacks only; they are
   kept below as --font-display / --font-body / --font-mono (unchanged from
   live-design-tokens.css).
   MOCKUP RENDER NOTE: per Wes, the PNG render uses Georgia (headings) and
   Arial/Helvetica (body) via --f-head / --f-body so it looks the same on every
   device. To ship with the live stacks, point --f-head and --f-body back to
   var(--font-display) and var(--font-body).
   ========================================================================== */
:root{
 --navy:#0f2636;--navy-900:#0a1824;--navy-700:#17384c;
 --gold:#c2ac6f;--gold-soft:#d8c894;--gold-ink:#6d5c2c;--gold-tint:#efe8d6;
 --page:#fff;--surface:#faf9f5;--border:#e7e3d8;--ink:#1a2732;--ink-strong:#0f2636;--ink-muted:#64707b;
 /* Direction 1 accents */
 --ivory:#F7F3EA;--sand:#EFE8D8;--on-navy:#C9D2DA;
 /* live font stacks (unchanged) */
 --font-display:"Iowan Old Style", "Palatino Linotype", Palatino, "Book Antiqua", Georgia, serif;
 --font-body:-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, system-ui, sans-serif;
 --font-mono:ui-monospace, "SF Mono", Menlo, Consolas, monospace;
 /* mockup render stacks (Wes): Georgia / Arial */
 --f-head:var(--font-display);
 --f-body:var(--font-body);
 --f-mono:var(--font-mono);
 /* live type scale */
 --step--1:.86rem;--step-0:1rem;--step-1:1.2rem;--step-2:1.5rem;--step-3:2rem;--step-4:2.6rem;--step-5:clamp(2.3rem, 5.2vw, 3.6rem);
 --maxw:1120px;--radius:10px;--gutter:24px}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%}
body{font-family:var(--f-body);color:var(--ink);background:var(--page);font-size:var(--step-0);line-height:1.6;overflow-x:hidden}
img{display:block;max-width:100%}
a{color:inherit;text-decoration:none}
h1,h2,h3{font-family:var(--f-head);font-weight:600;color:var(--ink-strong);letter-spacing:-.01em;line-height:1.12}
.mono{font-family:var(--f-mono)}
.wrap{max-width:1280px;margin:0 auto;padding:0 48px}
.eyebrow{font-size:.72rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:16px}
.eyebrow-gold{color:var(--gold)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:600;font-size:.95rem;border-radius:2px;padding:12px 22px;white-space:nowrap;border:1.5px solid transparent}
.btn-navy{background:var(--navy);color:#fff}
.btn-ghost{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-lg{padding:15px 28px;font-size:1rem}
.txt-link{display:inline-flex;align-items:center;gap:8px;font-weight:700;color:var(--navy);border-bottom:2px solid var(--gold);padding-bottom:3px}
.txt-link-light{color:#fff}
.ic-m{width:28px;height:28px}
.star{color:var(--gold);margin-left:2px}
/* ---------- masthead ---------- */
.mast{background:var(--page);border-bottom:1px solid var(--border);position:relative;z-index:5}
.mast-in{display:grid;grid-template-columns:1fr auto 1fr;align-items:center;height:96px;gap:24px}
.nav-l,.nav-r{display:flex;align-items:center;gap:22px;white-space:nowrap;font-size:.9rem;font-weight:500;color:var(--ink)}
.nav-r{justify-content:flex-end}
.dd{position:relative}
.dd-btn{display:inline-flex;align-items:center;gap:4px}
.chev{width:14px;height:14px}
.mega-panel{display:none;position:absolute;top:calc(100% + 30px);left:-24px;background:#fff;border:1px solid var(--border);box-shadow:0 18px 40px rgba(15,38,54,.12);padding:28px 30px;min-width:980px;z-index:10;white-space:normal}
.mega-panel.narrow{min-width:240px}
.dd.open .mega-panel{display:block}
.mega-cols{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:26px}
.mega-col-head{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:10px}
.mega-col ul,.reg-list{list-style:none}
.mega-col li,.reg-list li{margin-bottom:8px;font-size:.9rem}
.mega-foot{display:flex;justify-content:space-between;margin-top:22px;padding-top:16px;border-top:1px solid var(--border);font-size:.88rem;color:var(--ink-muted)}
.mega-foot a,.mega-all a{color:var(--navy);font-weight:700}
.logo img{height:58px;width:auto}
.ph{font-size:.88rem;color:var(--ink-strong);white-space:nowrap}
.menu{display:none;background:none;border:0;color:var(--navy)}
.m-menu{display:none}
/* ---------- hero ---------- */
.hero{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);min-height:720px;background:var(--ivory)}
.hero-text{padding:100px 72px 90px max(48px,calc((100vw - 1280px)/2 + 48px));display:flex;flex-direction:column;justify-content:center}
.hero h1{font-size:var(--step-5);margin-bottom:26px;max-width:600px}
.lede{font-size:1.2rem;color:var(--ink-muted);max-width:540px;margin-bottom:36px}
.cta-row{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.cta-row.center{justify-content:center}
.microtrust{margin-top:34px;padding-top:20px;border-top:1px solid var(--border);color:var(--ink-muted);font-size:.86rem;max-width:540px}
.microtrust b{color:var(--ink-strong)}
.tick{color:var(--gold)}
.hero-photo{overflow:hidden}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:42% 30%}
/* ---------- stats ---------- */
.stats{background:var(--surface);border-bottom:1px solid var(--border)}
.stats-in{display:grid;grid-template-columns:repeat(3,1fr)}
.stat{padding:38px 24px;text-align:center;border-right:1px solid var(--border)}
.stat:last-child{border-right:0}
.stat .num{font-family:var(--f-head);font-weight:600;font-size:var(--step-4);color:var(--navy);line-height:1}
.stat .lbl{margin-top:10px;font-size:.86rem;color:var(--ink-muted)}
/* ---------- services ---------- */
.services{background:var(--page);padding:120px 0}
.svc-grid{display:grid;grid-template-columns:400px 1fr;gap:88px;align-items:stretch}
.svc-aside{display:flex;flex-direction:column}
.svc-aside h2{font-size:var(--step-4);margin-bottom:20px}
.body{color:var(--ink-muted);font-size:1.05rem}
.aside-photo{margin-top:40px;overflow:hidden}
.aside-photo img{width:100%;height:100%;object-fit:cover}
.ap1{height:560px}.ap1 img{object-position:50% 40%}
.ap2{height:440px;margin-top:20px}.ap2 img{object-position:38% 40%}
.svc-list{list-style:none;border-top:1px solid var(--border)}
.svc{display:grid;grid-template-columns:40px 36px 1fr;gap:20px;align-items:start;padding:26px 0;border-bottom:1px solid var(--border)}
.svc-num{font-family:var(--f-head);font-size:1.25rem;color:var(--gold-ink);line-height:1.5}
.svc-ic{width:28px;height:28px;color:var(--navy);margin-top:3px}
.svc h3{font-size:var(--step-2);margin-bottom:6px}
.svc p{color:var(--ink-muted);font-size:1rem;max-width:620px;margin-bottom:8px}
.svc-link{font-size:.9rem;font-weight:700;color:var(--navy);border-bottom:1.5px solid var(--gold)}
/* ---------- credential to cash ---------- */
.c2c{background:var(--ivory);padding:110px 0}
.c2c-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:88px}
.c2c h2{font-size:var(--step-4)}
.c2c-photo{margin-top:36px}
.c2c-photo img{width:100%;height:440px;object-fit:cover;object-position:50% 25%}
.c2c-body p{font-size:1.08rem;margin-bottom:18px;color:var(--ink)}
.c2c-body ul{list-style:none;margin-top:26px;display:grid;gap:14px}
.c2c-body li{display:grid;grid-template-columns:30px 1fr;gap:12px;align-items:start;background:#fff;border:1px solid var(--border);padding:16px 18px;font-size:1rem}
.ck{width:22px;height:22px;color:var(--gold-ink);margin-top:1px}
/* ---------- how ---------- */
.how{background:var(--navy);color:var(--on-navy);padding:110px 0 100px}
.how-head{max-width:760px;margin-bottom:64px}
.how h2{color:#fff;font-size:var(--step-4)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:44px}
.step{border-top:1px solid rgba(194,172,111,.5);padding-top:26px}
.step-n{font-family:var(--f-head);font-size:4.6rem;line-height:1;color:var(--gold);display:block;margin-bottom:20px}
.step h3{color:#fff;font-size:var(--step-2);margin-bottom:10px}
.step p{font-size:1rem}
.how-more{margin-top:56px}
/* ---------- section heads ---------- */
.sec-head{max-width:800px;margin-bottom:48px}
.sec-head h2{font-size:var(--step-4);margin-bottom:14px}
/* ---------- who ---------- */
.who{padding:110px 0;background:var(--page)}
.auds{display:grid;grid-template-columns:repeat(5,1fr);gap:22px}
.aud{border-top:3px solid var(--gold);background:var(--surface);padding:26px 22px 24px;display:flex;flex-direction:column}
.aud h3{font-size:var(--step-1);margin-bottom:10px}
.aud p{color:var(--ink-muted);font-size:.95rem;margin-bottom:16px}
.more{margin-top:auto;font-weight:700;font-size:.9rem;color:var(--navy)}
/* ---------- regions ---------- */
.regions{padding:110px 0;background:var(--surface);border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.reg-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:22px}
.reg-head h3{display:inline-flex;align-items:center;gap:10px;font-size:var(--step-3)}
.pin{width:26px;height:26px;color:var(--gold-ink)}
.cities{display:grid;grid-template-columns:repeat(5,1fr);gap:18px}
.city{background:#fff;border:1px solid var(--border);padding:24px 22px;display:flex;flex-direction:column;gap:10px}
.rm-name{font-family:var(--f-head);font-weight:600;font-size:var(--step-2);color:var(--navy)}
.rm-blurb{font-size:.92rem;color:var(--ink-muted)}
.outside{margin-top:30px;color:var(--ink-muted);max-width:860px}
.outside a{color:var(--navy);font-weight:700;border-bottom:1.5px solid var(--gold)}
/* ---------- how we're different ---------- */
.diff{padding:120px 0;background:var(--ivory)}
.diff-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:80px;align-items:center}
.diff-photo img{width:100%;height:700px;object-fit:cover;object-position:50% 62%}
.diff h2{font-size:var(--step-4);margin-bottom:40px;max-width:560px}
.tps{display:grid;grid-template-columns:1fr 1fr;gap:36px 40px}
.tp{display:flex;flex-direction:column}
.tp-ic{width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:1.25rem;margin-bottom:14px}
.tp h3{font-size:var(--step-1);margin-bottom:8px}
.tp p{color:var(--ink-muted);font-size:.98rem}
.tp p a{color:var(--navy);font-weight:700;border-bottom:1.5px solid var(--gold)}
/* ---------- stat band ---------- */
.delay{background:var(--navy-700);color:var(--on-navy);padding:90px 0}
.delay-in{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px;align-items:center}
.big{font-family:var(--f-head);font-weight:600;font-size:6rem;line-height:1;color:var(--gold)}
.big small{display:block;font-family:var(--f-body);font-weight:400;font-size:1.05rem;line-height:1.5;color:#fff;margin-top:18px;max-width:420px}
.delay .copy p{margin-bottom:16px;font-size:1.05rem}
.delay .src{font-size:.8rem;color:var(--gold-soft);margin-top:20px}
/* ---------- pricing ---------- */
.pricing{padding:110px 0;background:var(--page)}
.pricing-in{text-align:center;max-width:980px}
.pricing h2{font-size:var(--step-4);margin:0 auto 44px;max-width:760px}
.ranges{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--border);margin-bottom:40px}
.r{padding:30px 20px;border-right:1px solid var(--border);color:var(--ink-muted);font-size:.95rem}
.r:last-child{border-right:0}
.r b{font-family:var(--f-head);font-weight:600;font-size:var(--step-2);color:var(--navy)}
/* ---------- guides ---------- */
.guides{padding:110px 0;background:var(--surface);border-top:1px solid var(--border)}
.guides-grid{display:grid;grid-template-columns:1.25fr 1fr;gap:48px}
.feat{background:#fff;border:1px solid var(--border);display:grid;grid-template-rows:300px auto}
.feat-img{overflow:hidden}
.feat-img img{width:100%;height:100%;object-fit:cover;object-position:50% 35%}
.feat-body{padding:30px 32px;display:flex;flex-direction:column;gap:12px}
.feat-kicker,.g-meta{font-size:.78rem;color:var(--gold-ink);letter-spacing:.04em}
.feat-title{font-family:var(--f-head);font-weight:600;font-size:var(--step-3);line-height:1.15;color:var(--navy)}
.feat-desc{color:var(--ink-muted)}
.feat-go{font-weight:700;color:var(--navy)}
.glist{display:flex;flex-direction:column;border-top:1px solid var(--border)}
.g{padding:26px 0;border-bottom:1px solid var(--border);display:flex;flex-direction:column;gap:8px}
.g-title{font-family:var(--f-head);font-weight:600;font-size:var(--step-1);color:var(--navy);line-height:1.3}
.g-all{margin-top:28px}
/* ---------- faq ---------- */
.faq{padding:110px 0;background:var(--page)}
.faq-grid{display:grid;grid-template-columns:400px 1fr;gap:88px;align-items:start}
.faq h2{font-size:var(--step-4)}
.faq-photo{margin-top:36px}
.faq-photo img{width:100%;height:440px;object-fit:cover;object-position:50% 30%}
.faq-list{border-top:1px solid var(--border)}
details{border-bottom:1px solid var(--border);padding:22px 0}
summary{font-family:var(--f-head);font-weight:600;font-size:var(--step-1);color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:20px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-family:var(--f-body);color:var(--gold-ink);font-size:1.4rem;line-height:1}
details[open] summary::after{content:"\2212"}
.a{margin-top:12px;color:var(--ink-muted);max-width:720px}
.a a{color:var(--navy);font-weight:700;border-bottom:1.5px solid var(--gold);white-space:nowrap}
/* ---------- cta ---------- */
.cta{padding:20px 0 120px;background:var(--page)}
.cta-card{background:var(--sand);text-align:center;padding:90px 48px;max-width:1184px}
.cta h2{font-size:var(--step-4);margin:0 auto 18px;max-width:820px}
.cta .sub{font-size:1.1rem;color:var(--ink);max-width:720px;margin:0 auto 36px}
.phone{color:var(--navy);font-weight:600}
/* ---------- footer ---------- */
.foot{background:var(--navy);color:#8595a2;padding:84px 0 34px;font-size:.9rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:48px}
.foot-brand img{height:64px;width:auto;margin-bottom:22px}
.nap{font-style:normal;line-height:1.7}
.nap .phone{color:var(--gold-soft);font-weight:400}
.foot h3{font-family:var(--f-body);color:#fff;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:16px}
.foot nav a{display:block;margin-bottom:9px}
.legal{display:flex;justify-content:space-between;margin-top:60px;padding-top:24px;border-top:1px solid rgba(255,255,255,.14);font-size:.85rem}
/* ---------- mobile ---------- */
@media (max-width:760px){
 .wrap{padding:0 22px}
 .mast-in{grid-template-columns:1fr auto;height:74px}
 .nav-l,.nav-r{display:none}
 .menu{display:block}
 .logo img{height:42px}
 .hero{grid-template-columns:1fr;min-height:0}
 .hero-photo{order:-1;height:330px}
 .hero-text{padding:42px 22px 52px}
 .lede{font-size:1.05rem}
 .btn-lg{padding:14px 20px;font-size:.95rem}
 .stats-in{grid-template-columns:1fr}
 .stat{border-right:0;border-bottom:1px solid var(--border);padding:24px}
 .stat:last-child{border-bottom:0}
 .services,.c2c,.how,.who,.regions,.diff,.pricing,.guides,.faq{padding:68px 0}
 .delay{padding:64px 0}
 .svc-grid,.c2c-grid,.diff-grid,.delay-in,.guides-grid,.faq-grid{grid-template-columns:1fr;gap:36px}
 .svc-aside h2,.c2c h2,.how h2,.sec-head h2,.diff h2,.pricing h2,.faq h2,.cta h2{font-size:2rem}
 .ap1,.ap2{height:250px}
 .ap2{display:none}
 .c2c-photo img{height:300px}
 .svc{grid-template-columns:32px 1fr;gap:14px;padding:22px 0}
 .svc-ic{display:none}
 .svc h3{font-size:1.3rem}
 .steps{grid-template-columns:1fr;gap:30px}
 .step-n{font-size:3.4rem}
 .how-head{margin-bottom:36px}
 .auds,.cities{grid-template-columns:1fr;gap:14px}
 .reg-head{flex-direction:column;align-items:flex-start;gap:8px}
 .diff-photo img{height:300px}
 .tps{grid-template-columns:1fr;gap:26px}
 .big{font-size:4.2rem}
 .ranges{grid-template-columns:1fr}
 .r{border-right:0;border-bottom:1px solid var(--border)}
 .r:last-child{border-bottom:0}
 .feat{grid-template-rows:220px auto}
 .feat-body{padding:24px 22px}
 .feat-title{font-size:1.5rem}
 .faq-photo img{height:260px}
 .a a{white-space:normal}
 .cta{padding:0 0 68px}
 .cta-card{padding:52px 22px}
 .cta-row.center{flex-direction:column}
 .foot{padding:60px 0 30px}
 .foot-grid{grid-template-columns:1fr;gap:32px}
 .legal{flex-direction:column;gap:10px}
}

/* ---------- preview build: interaction states (design only) ---------- */
.dd::before{content:"";position:absolute;top:100%;left:-24px;right:-24px;height:34px}
.dd:hover .mega-panel,.dd:focus-within .mega-panel{display:block}
.dd:hover .chev,.dd:focus-within .chev,.dd.open .chev{transform:rotate(180deg)}
.chev{transition:transform .15s}
body.no-hover-dd .dd:not(.open) .mega-panel{display:none}
@media (max-width:760px){
 .m-menu.is-open{display:block;border-top:1px solid var(--border);background:var(--page);padding:8px 22px 28px;max-height:calc(100vh - 74px);overflow-y:auto}
 .m-item{padding:14px 0;border-bottom:1px solid var(--border);font-weight:500}
 .m-item .btn{display:inline-flex;margin-top:6px}
 .m-group{padding:14px 0}
 .m-group summary{font-family:var(--f-body);font-size:1rem;font-weight:500}
 .m-group>a,.m-sub a{display:block;padding:6px 0;font-size:.95rem}
 .m-all{margin:10px 0 4px;font-weight:700}
 .m-sub{margin-top:12px}
 .m-head{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:4px}
 .m-head a{display:inline;padding:0}
 body.menu-open{overflow:hidden}
}

/* ---------- v4: masthead with logo left (like live). Full bar at BP and up; compact hamburger header below ---------- */
@media (min-width:1200px){
 .mast-in{display:flex;align-items:center;gap:20px}
 .mast-in .logo{flex:0 0 auto;order:0}
 .nav-l{order:1;flex:1 1 auto;min-width:0;justify-content:flex-start;gap:16px;font-size:.86rem}
 .nav-r{order:2;flex:0 0 auto;gap:16px;font-size:.86rem}
 .nav-l a,.nav-r a,.nav-l .dd-btn{white-space:nowrap}
 .logo img{height:clamp(44px,3.4vw,50px)}
 .mast .menu{display:none}
 .nav-r .btn{padding-left:16px;padding-right:16px}
}
@media (min-width:761px) and (max-width:1199px){
 .mast-in{display:grid;grid-template-columns:auto 1fr auto;height:74px}
 .mast-in .logo{grid-column:1}
 .mast .menu{grid-column:3}
 .nav-l,.nav-r{display:none}
 .logo img{height:42px}
 .menu{display:block}
 .m-menu.is-open{display:block;border-top:1px solid var(--border);background:var(--page);padding:8px 22px 28px;max-height:calc(100vh - 74px);overflow-y:auto}
 .m-item{padding:14px 0;border-bottom:1px solid var(--border);font-weight:500}
 .m-item .btn{display:inline-flex;margin-top:6px}
 .m-group{padding:14px 0}
 .m-group summary{font-family:var(--f-body);font-size:1rem;font-weight:500}
 .m-group>a,.m-sub a{display:block;padding:6px 0;font-size:.95rem}
 .m-all{margin:10px 0 4px;font-weight:700}
 .m-sub{margin-top:12px}
 .m-head{font-size:.72rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-ink);margin-bottom:4px}
 .m-head a{display:inline;padding:0}
 body.menu-open{overflow:hidden}
}
@media (max-width:760px){ .mast-in{grid-template-columns:auto 1fr auto} .mast .menu{grid-column:3} }
/* mega panels: never wider than the viewport */
@media (min-width:1200px){ .mega-panel{min-width:0;width:min(980px,calc(100vw - 48px))} .mega-panel.narrow{width:auto;min-width:240px} }
/* ---------- v3: homepage services grid, narrower side column on tablets (fixes 761-790px overflow) ---------- */
@media (min-width:761px) and (max-width:1099px){ .faq-grid{grid-template-columns:minmax(0,300px) minmax(0,1fr);gap:48px} .auds{grid-template-columns:repeat(3,minmax(0,1fr))} .svc-grid{grid-template-columns:minmax(0,300px) minmax(0,1fr);gap:48px} }
/* ---------- v2: services photo column fills the height of the services list ---------- */
.svc-aside .aside-photos{flex:1 1 auto;display:flex;flex-direction:column;gap:20px;margin-top:40px;min-height:0}
.svc-aside .aside-photos .aside-photo{margin:0;flex:1 1 0;min-height:220px;height:auto}
.svc-aside .ap1 img{object-position:30% 45%}
.svc-aside .ap2 img{object-position:50% 25%}
.svc-aside .ap3 img{object-position:50% 30%}
@media (max-width:760px){
 .svc-aside .aside-photos{flex-direction:row;gap:10px;margin-top:28px}
 .svc-aside .aside-photos .aside-photo{display:block;height:220px;min-height:0}
 .svc-aside .aside-photos .ap3{display:none}
}