/* BlubirdIQ HELOC funnel. Replica of the DRA quiz layout, Blubird palette. */
:root {
  --navy: #0a1f3d;
  --navy-mid: #0f2f5c;
  --navy-deep: #06142a;
  --navy-fg: #f4f8fc;
  --blue: #1572c8;
  --blue-dark: #0b3f9a;
  --sky: #3aa8ec;
  --sky-light: #5ab4e3;
  --accent: #3aa8ec;
  --accent-fg: #06142a;
  --steel: #4d7ba6;
  --mist: #eef3f9;
  --bg: #ffffff;
  --fg: #18242f;
  --muted: #f2f6fa;
  --muted-fg: #5b6b7c;
  --border: #d9e2ec;
  --card: #ffffff;
  --destructive: #d12f2f;
  --ring: #3aa8ec;
  --radius: 10px;
  --font-display: "Plus Jakarta Sans", "Avenir Next", ui-sans-serif, system-ui, sans-serif;
  --font-body: "Manrope", "Avenir Next", ui-sans-serif, system-ui, sans-serif;
  --shadow-card: 0 1px 2px rgba(10, 31, 61, .06), 0 6px 18px -8px rgba(10, 31, 61, .18);
  --shadow-lift: 0 20px 50px -20px rgba(6, 20, 42, .55);
}
*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  font-family: var(--font-body);
  font-size: 16px;
  line-height: 1.5;
  color: var(--fg);
  background: var(--mist);
  -webkit-font-smoothing: antialiased;
}
body.on-landing { background: var(--bg); }
h1, h2, h3 { font-family: var(--font-display); margin: 0; }
p { margin: 0; }
a { color: inherit; }
button { font: inherit; cursor: pointer; }
input { font: inherit; }
.eyebrow {
  font-family: var(--font-display);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .14em;
  text-transform: uppercase;
}
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0; }
.icon { width: 16px; height: 16px; flex: none; stroke: currentColor; fill: none; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; }
.icon-sm { width: 14px; height: 14px; }
.icon-lg { width: 24px; height: 24px; }
.text-steel { color: var(--steel); }
.text-muted { color: var(--muted-fg); }
.text-accent { color: var(--sky); }

/* Logo */
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; color: inherit; }
.brand img { height: 28px; width: auto; display: block; }
.brand:hover { opacity: .85; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  border: 1px solid transparent; border-radius: 8px; padding: 0 20px;
  font-family: var(--font-display); font-weight: 800; font-size: 15px; line-height: 1;
  text-decoration: none; transition: background .15s, border-color .15s, transform .15s, opacity .15s;
  white-space: nowrap;
}
.btn:disabled { opacity: .6; cursor: default; }
.btn-lg { height: 52px; width: 100%; font-size: 16px; }
.btn-xl { height: 56px; padding: 0 28px; font-size: 16px; }
.btn-accent { background: var(--accent); color: var(--accent-fg); }
.btn-accent:hover:not(:disabled) { background: #2b9be0; }
.btn-navy { background: var(--navy-mid); color: var(--navy-fg); }
.btn-navy:hover:not(:disabled) { background: var(--blue-dark); }
.btn-outline { background: var(--bg); color: var(--fg); border-color: var(--border); }
.btn-outline:hover { border-color: var(--steel); }
.btn .icon { width: 16px; height: 16px; }

/* Quiz chrome */
.quiz-header { border-bottom: 1px solid rgba(217,226,236,.6); background: var(--bg); }
.quiz-header .inner { max-width: 672px; margin: 0 auto; height: 64px; display: flex; align-items: center; gap: 10px; padding: 0 20px; }
.secure { margin-left: auto; display: inline-flex; align-items: center; gap: 6px; font-size: 12px; font-weight: 600; color: var(--muted-fg); }
.progress { height: 4px; width: 100%; background: var(--muted); }
.progress > div { height: 4px; background: var(--sky); transition: width .3s; width: 0; }
.quiz-main { max-width: 672px; margin: 0 auto; padding: 40px 20px; }
@media (min-width: 640px) { .quiz-main { padding: 56px 20px; } }
.pill-wrap { display: flex; flex-direction: column; align-items: center; gap: 12px; margin-bottom: 28px; }
.pill { display: inline-flex; align-items: center; gap: 8px; border-radius: 999px; border: 1px solid rgba(58,168,236,.4); background: rgba(58,168,236,.1); padding: 6px 12px; color: var(--blue); }
.step-row { display: flex; align-items: center; justify-content: space-between; }
.back-btn { display: inline-flex; align-items: center; gap: 4px; background: none; border: 0; padding: 0; font-size: 14px; font-weight: 600; color: var(--muted-fg); }
.back-btn:hover { color: var(--fg); }
.quiz-main h1 { margin-top: 12px; font-size: 24px; line-height: 1.2; font-weight: 800; }
@media (min-width: 640px) { .quiz-main h1 { font-size: 30px; } }
.helper { margin-top: 8px; font-size: 14px; line-height: 1.6; color: var(--muted-fg); }
.control { margin-top: 28px; }
.choices { display: grid; gap: 12px; }
.choice {
  border-radius: 12px; border: 1px solid var(--border); background: var(--card);
  padding: 16px 20px; text-align: left; font-size: 15px; font-weight: 600; color: var(--fg);
  box-shadow: var(--shadow-card); transition: border-color .15s, background .15s;
}
.choice:hover { border-color: var(--steel); background: var(--muted); }
.choice:disabled { opacity: .6; }
.form { display: grid; gap: 16px; }
.form-2col { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.field { display: grid; gap: 6px; }
.field label { font-size: 14px; font-weight: 600; line-height: 1; }
.field input {
  height: 48px; width: 100%; border: 1px solid var(--border); border-radius: 8px; background: var(--card);
  padding: 0 14px; font-size: 16px; color: var(--fg); outline: none; transition: border-color .15s, box-shadow .15s;
}
.field input:focus { border-color: var(--ring); box-shadow: 0 0 0 3px rgba(58,168,236,.2); }
.field input[aria-invalid="true"] { border-color: var(--destructive); }
.field .err { font-size: 12px; font-weight: 600; color: var(--destructive); }
.alert { margin-top: 16px; font-size: 14px; font-weight: 600; color: var(--destructive); }
.footnote { margin-top: 32px; display: inline-flex; align-items: flex-start; gap: 8px; font-size: 12px; line-height: 1.6; color: var(--muted-fg); }
.footnote .icon { margin-top: 2px; color: var(--steel); }
.consent { margin-top: 32px; font-size: 12px; line-height: 1.6; color: var(--muted-fg); }
.consent a { font-weight: 600; color: var(--navy-mid); }

/* Address autocomplete */
.ac-wrap { position: relative; }
.ac-wrap .icon-left { position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted-fg); pointer-events: none; }
.ac-wrap input { padding-left: 40px; padding-right: 40px; }
.ac-wrap .spinner { position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--steel); }
.ac-list { position: absolute; z-index: 20; margin-top: 8px; width: 100%; overflow: hidden; border-radius: 12px; border: 1px solid var(--border); background: var(--card); box-shadow: var(--shadow-card); list-style: none; padding: 0; }
.ac-list button { display: flex; width: 100%; align-items: flex-start; gap: 12px; padding: 12px 16px; text-align: left; border: 0; background: var(--card); }
.ac-list button.active, .ac-list button:hover { background: var(--muted); }
.ac-list .icon { margin-top: 2px; color: var(--steel); }
.ac-list .main { display: block; font-size: 14px; font-weight: 600; line-height: 1.35; }
.ac-list .sec { display: block; font-size: 12px; color: var(--muted-fg); }

/* Slider */
.slider-card { border-radius: 12px; border: 1px solid var(--border); background: var(--card); padding: 24px; box-shadow: var(--shadow-card); }
.slider-value { text-align: center; font-family: var(--font-display); font-size: 24px; font-weight: 800; }
@media (min-width: 640px) { .slider-value { font-size: 30px; } }
.slider-ends { margin-top: 12px; display: flex; justify-content: space-between; font-size: 12px; font-weight: 600; color: var(--muted-fg); }
input[type="range"].slider { -webkit-appearance: none; appearance: none; width: 100%; height: 8px; margin: 24px 0 0; border-radius: 999px; background: linear-gradient(to right, var(--sky) 0 var(--pct, 50%), rgba(77,123,166,.25) var(--pct, 50%) 100%); outline: none; }
input[type="range"].slider::-webkit-slider-thumb { -webkit-appearance: none; appearance: none; width: 28px; height: 28px; border-radius: 50%; border: 2px solid var(--navy); background: var(--bg); box-shadow: var(--shadow-card); cursor: pointer; }
input[type="range"].slider::-moz-range-thumb { width: 28px; height: 28px; border-radius: 50%; border: 2px solid var(--navy); background: var(--bg); box-shadow: var(--shadow-card); cursor: pointer; }
input[type="range"].slider:focus-visible::-webkit-slider-thumb { box-shadow: 0 0 0 4px rgba(58,168,236,.35); }
.spin { animation: spin 1s linear infinite; }
@keyframes spin { to { transform: rotate(360deg); } }
.spinner.spin { animation: spin 1s linear infinite; }

/* Landing variant */
.landing-header { border-bottom: 1px solid rgba(244,248,252,.15); background: var(--navy); color: var(--navy-fg); }
.landing-header .inner { max-width: 1152px; margin: 0 auto; height: 64px; display: flex; align-items: center; gap: 10px; padding: 0 20px; }
.landing-header .secure { color: rgba(244,248,252,.7); }
.hero { position: relative; isolation: isolate; overflow: hidden; background: var(--navy); color: var(--navy-fg); }
.hero .art { position: absolute; inset: 0; z-index: -2; width: 100%; height: 100%; object-fit: cover; opacity: .9; }
.hero .veil { position: absolute; inset: 0; z-index: -1; background: linear-gradient(to bottom, rgba(10,31,61,.55), rgba(10,31,61,.85) 60%, var(--navy)); }
.hero .inner { max-width: 1152px; margin: 0 auto; display: grid; gap: 32px; padding: 32px 20px 40px; }
@media (min-width: 1024px) { .hero .inner { grid-template-columns: .9fr 1fr; align-items: center; gap: 56px; padding: 44px 20px 56px; } }
.hero h1 { margin-top: 12px; max-width: 768px; font-size: 36px; line-height: 1.08; font-weight: 800; }
@media (min-width: 640px) { .hero h1 { font-size: 48px; } }
@media (min-width: 1024px) { .hero h1 { font-size: 52px; } }
.hero .sub { margin-top: 16px; max-width: 576px; font-size: 18px; line-height: 1.6; color: rgba(244,248,252,.78); }
.hero .checks { margin-top: 20px; display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: 14px; font-weight: 600; color: rgba(244,248,252,.85); }
.hero .checks span { display: inline-flex; align-items: center; gap: 8px; }
.hero .checks .icon { color: var(--sky); }
.q-card { scroll-margin-top: 24px; border-radius: var(--radius); border: 1px solid rgba(58,168,236,.5); background: var(--bg); color: var(--fg); padding: 20px; box-shadow: var(--shadow-lift), 0 0 0 4px rgba(58,168,236,.15); }
@media (min-width: 640px) { .q-card { padding: 28px; } }
.q-card h2 { margin-top: 8px; font-size: 24px; line-height: 1.2; font-weight: 800; }
.q-card .choices { margin-top: 20px; gap: 10px; }
.q-card .choice { display: flex; justify-content: space-between; align-items: center; gap: 12px; min-height: 48px; padding: 12px 16px; font-size: 14px; font-weight: 700; box-shadow: none; white-space: normal; }
.q-card .choice .icon { color: var(--steel); }
.section { padding: 56px 0; }
@media (min-width: 768px) { .section { padding: 80px 0; } }
.section.alt { background: rgba(238,243,249,.6); }
.container { max-width: 1152px; margin: 0 auto; padding: 0 20px; }
.container-narrow { max-width: 896px; margin: 0 auto; padding: 0 20px; }
.section h2 { margin-top: 12px; font-size: 30px; line-height: 1.15; font-weight: 800; }
@media (min-width: 640px) { .section h2 { font-size: 36px; } }
.steps-ol { margin: 40px 0 0; padding: 0; list-style: none; display: grid; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
@media (min-width: 768px) { .steps-ol { grid-template-columns: repeat(3, 1fr); } .steps-ol li + li { border-left: 1px solid var(--border); } .steps-ol li { padding: 28px !important; } .steps-ol li:first-child { padding-left: 0 !important; } .steps-ol li:last-child { padding-right: 0 !important; } }
.steps-ol li { padding: 28px 0; }
.steps-ol .num-row { display: flex; align-items: center; gap: 12px; }
.steps-ol .num-row span:first-child { display: flex; height: 40px; width: 40px; align-items: center; justify-content: center; border-radius: 6px; background: var(--muted); color: var(--steel); }
.steps-ol .num { font-family: var(--font-display); font-size: 14px; font-weight: 800; color: var(--sky); }
.steps-ol h3 { margin-top: 20px; font-size: 18px; font-weight: 800; }
.steps-ol p { margin-top: 8px; font-size: 14px; line-height: 1.6; color: var(--muted-fg); }
.cta-col { margin-top: 32px; display: flex; flex-direction: column; align-items: flex-start; gap: 12px; }
.fine { font-size: 12px; color: var(--muted-fg); }
.why-grid { display: grid; gap: 40px; }
@media (min-width: 1024px) { .why-grid { grid-template-columns: .8fr 1.2fr; gap: 64px; } }
.why-grid .lead { margin-top: 20px; line-height: 1.6; color: var(--muted-fg); }
.cards { display: grid; gap: 1px; overflow: hidden; border-radius: var(--radius); border: 1px solid var(--border); background: var(--border); }
@media (min-width: 640px) { .cards { grid-template-columns: 1fr 1fr; } }
.cards article { background: var(--bg); padding: 24px; }
.cards article.first { background: var(--muted); box-shadow: inset 0 0 0 1px rgba(58,168,236,.4); }
.cards .icon-lg { color: var(--sky); }
.cards h3 { margin-top: 16px; font-size: 16px; font-weight: 800; }
.cards article.first h3 { font-size: 18px; }
.cards p { margin-top: 8px; font-size: 14px; line-height: 1.6; color: var(--muted-fg); }
.faq { margin-top: 40px; border-top: 1px solid var(--border); border-bottom: 1px solid var(--border); }
.faq details { padding: 20px 0; border-bottom: 1px solid var(--border); }
.faq details:last-child { border-bottom: 0; }
.faq summary { display: flex; cursor: pointer; list-style: none; align-items: center; justify-content: space-between; gap: 16px; font-weight: 700; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary span { font-size: 20px; font-weight: 400; color: var(--steel); transition: transform .15s; }
.faq details[open] summary span { transform: rotate(45deg); }
.faq p { margin-top: 12px; max-width: 768px; font-size: 14px; line-height: 1.6; color: var(--muted-fg); }
.center-col { margin-top: 40px; display: flex; flex-direction: column; align-items: center; gap: 16px; text-align: center; }
.lock-line { display: inline-flex; align-items: center; gap: 8px; font-size: 12px; color: var(--muted-fg); }
.landing-footer { border-top: 1px solid rgba(244,248,252,.1); background: var(--navy); padding: 24px 0; color: var(--navy-fg); }
.landing-footer .inner { max-width: 1152px; margin: 0 auto; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 12px; padding: 0 20px; font-size: 12px; color: rgba(244,248,252,.6); }
.landing-footer .inner span:first-child { display: inline-flex; align-items: center; gap: 8px; }
.sticky-cta { position: fixed; left: 0; right: 0; bottom: 0; z-index: 40; border-top: 1px solid var(--border); background: rgba(255,255,255,.95); padding: 12px; backdrop-filter: blur(8px); }
@media (min-width: 768px) { .sticky-cta { display: none; } }
.hidden { display: none !important; }

/* Outcome / static pages */
.site-header { background: var(--navy); color: var(--navy-fg); }
.site-header .inner { max-width: 1152px; margin: 0 auto; height: 64px; display: flex; align-items: center; gap: 10px; padding: 0 20px; }
.site-header .contact { margin-left: auto; font-size: 13px; color: rgba(244,248,252,.8); text-decoration: none; }
.page { background: var(--bg); }
.page-main { max-width: 768px; margin: 0 auto; padding: 48px 20px 64px; }
.page-main h1 { margin-top: 12px; font-size: 30px; line-height: 1.15; font-weight: 800; }
@media (min-width: 640px) { .page-main h1 { font-size: 38px; } }
.page-main .lead { margin-top: 16px; font-size: 17px; line-height: 1.6; color: var(--muted-fg); }
.box { margin-top: 28px; border-radius: 12px; border: 1px solid var(--border); background: var(--muted); padding: 20px 24px; }
.box h3 { font-size: 15px; font-weight: 800; }
.box ul { margin: 12px 0 0; padding-left: 20px; font-size: 14px; line-height: 1.7; }
.next-steps { margin: 32px 0 0; padding: 0; list-style: none; display: grid; gap: 16px; }
.next-steps li { display: grid; grid-template-columns: 56px 1fr; gap: 16px; align-items: start; }
.next-steps .num { font-family: var(--font-display); font-size: 11px; font-weight: 800; letter-spacing: .12em; color: var(--sky); }
.next-steps .num b { display: block; font-size: 22px; letter-spacing: 0; color: var(--fg); }
.next-steps h3 { font-size: 16px; font-weight: 800; }
.next-steps p { margin-top: 4px; font-size: 14px; line-height: 1.6; color: var(--muted-fg); }
.disclaimer { margin-top: 32px; font-size: 12px; line-height: 1.6; color: var(--muted-fg); }
.page-main h2 { margin-top: 36px; font-size: 20px; font-weight: 800; }
.page-main ul.plain { margin: 12px 0 0; padding-left: 20px; line-height: 1.7; color: var(--muted-fg); }
.page-main p + p { margin-top: 12px; }
.page-main .body p { margin-top: 12px; line-height: 1.7; color: var(--fg); }
.site-footer { background: var(--navy); color: rgba(244,248,252,.7); padding: 40px 0; font-size: 12px; line-height: 1.7; }
.site-footer .inner { max-width: 1152px; margin: 0 auto; padding: 0 20px; display: grid; gap: 20px; }
.site-footer a { color: rgba(244,248,252,.85); }
.site-footer .links { display: flex; flex-wrap: wrap; gap: 8px 20px; font-weight: 600; }
.site-footer .brand img { height: 24px; }
.draft-banner { background: #fff4d6; color: #6b4b00; border-bottom: 1px solid #f0d58a; font-size: 13px; padding: 8px 20px; text-align: center; }