/* Approved advisory system. Rules are scoped to public pages and semantic page families.
   Existing loan content, calculators and lead workflows keep their own behavior. */
body.advisory-site {
  --advisory-ink:#182e3e; --advisory-paper:#f6f3ed; --advisory-muted:#59636c;
  --advisory-accent:#7c6345; --advisory-rule:#d8d4cd; --advisory-control:#7e8589;
  --color-navy:var(--advisory-ink); --color-gold:var(--advisory-accent);
  --color-gray:var(--advisory-muted); --color-text:var(--advisory-ink);
  --color-text-muted:var(--advisory-muted); --color-light-gray:var(--advisory-paper);
  --color-border:var(--advisory-rule); --color-error:#9b2c2c;
  --radius-sm:4px; --radius-md:6px; --radius-lg:6px; --radius-xl:6px;
  --experience-navy:var(--advisory-ink); --experience-ink:var(--advisory-ink);
  --experience-muted:var(--advisory-muted); --experience-measure:68ch;
  --editorial-prose:720px; --editorial-warm:var(--advisory-paper);
  color:var(--advisory-ink); line-height:1.65;
}
.advisory-site main :is(h1,h2,h3,h4,p){text-shadow:none!important}
.advisory-site main h2{font-size:clamp(1.75rem,1.3rem + 1.1vw,2.125rem);line-height:1.25}
.advisory-site main h3{font-family:var(--font-primary);font-size:clamp(1.25rem,1.1rem + .4vw,1.375rem);line-height:1.35}
.advisory-site main .container{max-width:1200px}
.advisory-site main .content-narrow{max-width:768px}
.advisory-site main>section:where(:not(.breadcrumb)){padding-block:clamp(3rem,5.5vw,5rem)}
.advisory-site :is(input:not([type=checkbox]):not([type=radio]):not([type=range]),select,textarea){border-color:var(--advisory-control);border-radius:4px;font-size:16px;min-width:0}
.advisory-site :is(a,button,input,select,textarea,summary):focus-visible{outline:3px solid var(--advisory-accent);outline-offset:4px}
.advisory-site main .btn-primary{background:var(--advisory-ink);border:1px solid var(--advisory-ink);color:#fff;box-shadow:none;border-radius:4px}
.advisory-site main :is(.bg-navy,.bg-dark,.guide-final-cta) .btn-primary{background:#fff;border-color:#fff;color:var(--advisory-ink)}
.advisory-site main :is(.btn,.journey-button):hover{transform:none;box-shadow:none}
.advisory-site header:where(body > header){background:var(--advisory-ink)}
.advisory-site header:where(body > header) .container{max-width:1360px}
.advisory-site header:where(body > header) .nav-links{gap:.8rem}
.advisory-site header:where(body > header) .nav-links a.nav-cta:not(.nav-apply){background:#fff;border-color:#fff;color:var(--advisory-ink)!important;border-radius:4px}
.advisory-site header:where(body > header) .nav-links a.nav-apply{background:transparent;border:0;color:#fff!important;text-decoration:underline;text-underline-offset:4px;font-weight:400;padding-inline:.3rem}
.advisory-site header:where(body > header) .nav-dropdown{border-top:1px solid var(--advisory-rule)}
.advisory-site footer{background:var(--advisory-ink)}
.advisory-site main .accordion-item{box-shadow:none;border:0;border-bottom:1px solid var(--advisory-rule);border-radius:0}
.advisory-site main .accordion-button{background:transparent;border-radius:0;padding:20px 0;font-family:var(--font-primary);font-size:17px}
.advisory-site main .accordion-content{border:0;background:transparent}
.advisory-site main .experience-table-scroll{border:0;border-radius:0}
.advisory-site main .experience-table-scroll td{border-bottom:1px solid var(--advisory-rule)}
.advisory-site main .experience-table-scroll th{background:var(--advisory-paper);color:var(--advisory-ink)}
.advisory-site main :is(.journey-education,.content-narrow) p{font-size:18px;line-height:1.65}
/* Reading families: one prose measure, quieter summary and optional contents. */
.advisory-article main :is(.container-narrow,.article-body){max-width:768px}
.advisory-article main :is(.blog-post,.article-body,.blog-content) p{font-size:18px!important;line-height:1.65}
.advisory-article main :is(.blog-post,.article-body) li{font-size:18px;line-height:1.65}
.advisory-article main .blog-post-header h1{font-size:clamp(2rem,1.5rem + 1.5vw,2.75rem)!important}
.advisory-article main .blog-post-intro{border:0;border-left:2px solid var(--advisory-accent);border-radius:0;background:transparent;padding:4px 0 4px 24px}
.advisory-article main .newsletter-author-bar{border-block:1px solid var(--advisory-rule);background:transparent;padding:16px 0;margin-bottom:32px}
.advisory-author-image{width:48px;height:48px;object-fit:cover;object-position:center 25%;border-radius:50%;flex-shrink:0}
.advisory-contents{border-block:1px solid var(--advisory-rule);padding:16px 0;margin:24px 0 32px}
.advisory-contents>summary{font:600 15px/1.5 var(--font-primary);cursor:pointer;padding:4px 0}
.advisory-site .advisory-contents .page-contents{border:0;border-radius:0;background:transparent;padding:16px 0 0;margin:0}
.advisory-site .advisory-contents .page-contents ol{grid-template-columns:1fr;gap:4px}
/* Loan explanations retain the complete quote form after the opening explanation. */
.advisory-product main .hero{height:auto;min-height:0;max-height:none;background:var(--advisory-paper);color:var(--advisory-ink);padding:48px 0}
.advisory-product main .hero::before,.advisory-product main .hero-cutout{display:none}
.advisory-product main .hero-glass-card{padding:0;background:transparent;border:0;box-shadow:none;backdrop-filter:none;max-width:850px}
.advisory-product main .hero-two-col{display:block}
.advisory-product main .hero-col-authority{align-items:flex-start;text-align:left}
.advisory-product main .hero :is(h1,p,a){text-shadow:none;color:var(--advisory-ink)}
.advisory-product main .hero .hero-subtitle{max-width:68ch;font-size:18px;line-height:1.65}
.advisory-product main .hero h1{font-size:clamp(2rem,1.5rem + 1.5vw,2.75rem)!important;line-height:1.2!important}
.advisory-product main .hero .btn-primary{color:#fff}
.advisory-product main .hero .btn-hero-ghost{border:1px solid var(--advisory-control);background:transparent}
.advisory-product .advisory-quote{background:var(--advisory-paper)}
.advisory-product .advisory-quote .hero-col-form{max-width:560px;margin:auto}
.advisory-product .advisory-quote .hero-quick-form-glass{padding:24px;background:#fff;color:var(--advisory-ink);border:1px solid var(--advisory-rule);border-radius:6px;box-shadow:none}
.advisory-product .advisory-quote :is(.hero-quick-form-title,.hero-quick-form-field label){color:var(--advisory-ink)}
.advisory-product .advisory-quote .hero-trust-badge{background:transparent;color:var(--advisory-muted);border:0;white-space:normal;padding:0 0 16px;font-size:14px}
.advisory-product main .grid:has(>.feature-item){grid-template-columns:1fr;gap:0;max-width:900px;margin-inline:auto}
.advisory-product main .feature-item{display:grid;grid-template-columns:240px minmax(0,1fr);gap:24px;box-shadow:none;border:0;border-bottom:1px solid var(--advisory-rule);border-radius:0;background:transparent;padding:24px 0}
.advisory-product main .feature-item::before,.advisory-product main .feature-item>.feature-icon{display:none}
.advisory-product main .feature-item h4{margin:0;font:600 18px/1.4 var(--font-primary)}
.advisory-product main .feature-item p{margin:0;font-size:17px}
/* Contact begins the task; other ways to connect remain alongside the form. */
.advisory-contact main .advisory-contact-intro{padding:32px 0 20px;background:var(--advisory-paper)}
.advisory-contact main .advisory-contact-intro h1{font-size:clamp(2rem,1.5rem + 1.3vw,2.75rem)!important;max-width:800px}
.advisory-contact main .advisory-contact-intro p{max-width:68ch;font-size:17px;margin:0}
.advisory-contact main .advisory-contact-intro+section{padding-top:24px}
.advisory-contact main .conversation-card{border:1px solid var(--advisory-rule);border-radius:6px;padding:24px}
.advisory-contact main .conversation-card .journey-form-intro{font-size:16px}
.advisory-contact main .contact-grid{align-items:start;gap:40px}
.advisory-contact .advisory-contact-options{display:flex;gap:16px;flex-wrap:wrap;margin-top:24px;font-size:15px}
/* Blog discovery uses a lead article and dated reading rows. */
.advisory-blog-index main .advisory-blog-intro{padding:40px 0 24px;background:var(--advisory-paper)}
.advisory-blog-index main .advisory-blog-intro p{max-width:65ch;font-size:18px;margin:0}
.advisory-blog-index #blog-grid{display:block;max-width:960px;margin:auto}
.advisory-blog-index #blog-grid .blog-card{display:grid;grid-template-columns:155px minmax(0,1fr);gap:8px 32px;padding:28px 0;border:0;border-bottom:1px solid var(--advisory-rule);border-radius:0;box-shadow:none;background:transparent;transform:none}
.advisory-blog-index #blog-grid .blog-card:before{display:none}
.advisory-blog-index #blog-grid .blog-card-category{grid-column:1;font-size:14px;line-height:1.5}
.advisory-blog-index #blog-grid .blog-card-title{grid-column:2;grid-row:1;font:600 23px/1.35 var(--font-primary);margin:0;color:var(--advisory-ink)}
.advisory-blog-index #blog-grid .blog-card-excerpt{grid-column:2;font-size:17px;display:block;-webkit-line-clamp:unset;margin:0}
.advisory-blog-index #blog-grid .blog-card-meta{grid-column:1;grid-row:2;font-size:14px;margin:0;border:0;padding:0;color:var(--advisory-muted)}
.advisory-blog-index #blog-grid .blog-card:first-child{padding:32px;background:var(--advisory-paper);border:0;margin-bottom:8px}
.advisory-blog-index #blog-grid .blog-card:first-child .blog-card-title{font-family:var(--font-display);font-size:30px}
.advisory-blog-index #blog-filters{gap:8px;margin-bottom:20px}
.advisory-blog-index .blog-filter-btn{background:transparent;color:var(--advisory-ink);border:1px solid var(--advisory-rule);border-radius:4px;box-shadow:none}
.advisory-blog-index .blog-filter-btn.active{background:var(--advisory-ink);color:#fff}
/* Calculator controls and outputs are working surfaces, not elevated cards. */
.advisory-calculator .calc-suite{--calc-navy:var(--advisory-ink);--calc-blue:var(--advisory-ink)}
.advisory-calculator main .calc-tool-hero{background:var(--advisory-paper);padding:28px 0;color:var(--advisory-ink);text-align:left}
.advisory-calculator main .calc-tool-hero h1{color:var(--advisory-ink)}
.advisory-calculator main .calc-tool-hero p{margin:0;max-width:65ch}
.advisory-calculator main .calc-tool-hero+.section{padding-top:12px}
.advisory-calculator .calc-card{border:1px solid var(--advisory-rule);border-radius:6px;background:#fff;box-shadow:none;backdrop-filter:none;transform:none}
.advisory-calculator .calc-card:hover{box-shadow:none;transform:none}
.advisory-calculator .calc-hero-wrap{text-align:left;border-bottom:1px solid var(--advisory-rule)}
.advisory-calculator .calc-hero-number{font-size:40px}
.advisory-calculator .calc-hero-label{text-transform:none;letter-spacing:0;font-size:16px}
.advisory-calculator .calc-result-list{margin-top:20px}
.advisory-calculator .calc-result-row{padding:12px 0}
.advisory-calculator .calc-result-label{font-size:16px}
.advisory-calculator .calc-input-number{display:block;width:100%;padding:10px 12px;min-height:48px;border:1px solid var(--advisory-control);margin:8px 0 12px;font:600 18px/1.4 var(--font-primary);font-variant-numeric:tabular-nums}
.calc-input-error{color:#9b2c2c;font-size:14px;margin:4px 0}
.calc-input-error[hidden]{display:none}
.advisory-calculator .calc-result-note{font-size:15px;line-height:1.55;margin:16px 0 0;color:var(--advisory-muted)}
.calc-mobile-summary{display:none}
@media(max-width:1280px){.advisory-site header:where(body > header) .nav-links a.nav-apply{color:var(--advisory-ink)!important}}
@media(max-width:600px){
 .advisory-site:has(main :is(input:not([type=hidden]),textarea,select):focus) .mortgage-assistant{display:none}
 .advisory-calculator.calc-editing-visible .mortgage-assistant{display:none}
 .advisory-calculator.calc-editing-visible .calc-mobile-summary{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:2px 12px;align-items:center;position:fixed;inset:auto 0 0;z-index:100;padding:12px 16px calc(12px + env(safe-area-inset-bottom));background:var(--advisory-ink);color:white;border-top:1px solid var(--advisory-rule);text-decoration:none}
 .calc-mobile-summary span{font-size:13px;line-height:1.4}
 .calc-mobile-summary strong{font:600 24px/1.2 var(--font-primary);font-variant-numeric:tabular-nums}
 .calc-mobile-summary small{grid-column:1/-1;font-size:12px;text-decoration:underline;text-underline-offset:3px}
 .advisory-site main .container{padding-inline:20px}
 .advisory-site main :is(.journey-education,.content-narrow) p,.advisory-article main :is(.blog-post,.article-body,.blog-content) p,.advisory-article main :is(.blog-post,.article-body) li{font-size:17px!important}
 .advisory-product main .hero{padding-block:32px}
 .advisory-product main .feature-item{grid-template-columns:1fr;gap:8px}
 .advisory-contact main .conversation-card{padding:20px 16px}
 .advisory-contact main .advisory-contact-intro h1{font-size:32px!important}
 .advisory-contact main .advisory-contact-intro p{font-size:16px}
 .advisory-contact main .contact-grid{gap:24px}
 .advisory-blog-index #blog-grid .blog-card{display:block;padding:24px 0}
 .advisory-blog-index #blog-grid .blog-card:first-child{padding:24px 18px}
 .advisory-blog-index #blog-grid .blog-card-title{font-size:22px;margin:8px 0}
 .advisory-blog-index #blog-grid .blog-card:first-child .blog-card-title{font-size:26px}
 .advisory-blog-index #blog-grid .blog-card-meta{margin-top:12px}
 .advisory-calculator .calc-hero-number{font-size:32px}
 .advisory-calculator .calc-layout{padding-top:12px;gap:24px}
}
@media(max-width:360px){.advisory-site main .container{padding-inline:16px}}
@media print{.advisory-contents{display:none}.advisory-site main section{padding-block:16px}}
/* Real scenarios are reading entries, with the status visible before the story. */
.advisory-site main .advisory-cases{border-block:1px solid var(--advisory-rule);background:#fff}
.advisory-case-list{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px;margin-top:32px}
.advisory-case-list article{border-top:1px solid var(--advisory-rule);padding-top:20px}
.advisory-case-status{font-size:14px!important;color:var(--advisory-muted)}
.advisory-case-list h3 a{color:var(--advisory-ink);text-decoration:underline;text-underline-offset:4px}
.advisory-case-list p{font-size:17px;line-height:1.65}
.advisory-case-note{font-size:14px;margin-top:24px;max-width:85ch;color:var(--advisory-muted)}
body.advisory-site[data-complex-income] .advisory-situation-list{display:block;margin-block:24px}
body.advisory-site[data-complex-income] .advisory-situation-list .ci-card{display:grid;grid-template-columns:260px minmax(0,1fr);gap:32px;padding:24px 0;border:0;border-top:1px solid var(--advisory-rule);border-radius:0;background:transparent}
body.advisory-site[data-complex-income] .advisory-situation-list :is(h3,p){margin:0}
.advisory-essay main .hero{background:var(--advisory-paper);min-height:0;height:auto;padding:40px 0;color:var(--advisory-ink)}
.advisory-essay main .hero:before{display:none}
.advisory-essay main .hero h1{color:var(--advisory-ink);font-size:clamp(2rem,1.5rem + 1.5vw,2.75rem)!important}
.advisory-essay main .newsletter-issue-badge{background:transparent;border:0;padding:0;color:var(--advisory-muted)}
.advisory-calculator .dscr-meter{display:none}
.advisory-calculator .dscr-status{background:var(--advisory-paper);border-color:var(--advisory-rule);color:var(--advisory-ink)}
.advisory-calculator main .dscr-hero{padding:28px 0;background:var(--advisory-paper);color:var(--advisory-ink);text-align:left}
.advisory-calculator main .dscr-hero::before{display:none}
.advisory-calculator main .dscr-hero h1{color:var(--advisory-ink);font-size:clamp(2rem,1.5rem + 1.5vw,2.75rem)!important;line-height:1.2!important}
.advisory-calculator main .dscr-hero p.subtitle{color:var(--advisory-muted);font-size:17px;line-height:1.6;margin:16px 0}
.advisory-calculator main .dscr-hero-ctas{margin-top:0;justify-content:flex-start}
.advisory-calculator .dscr-start-link{display:inline-flex;align-items:center;min-height:44px;color:var(--advisory-ink);font-size:16px;font-weight:600;text-decoration:underline;text-underline-offset:4px}
.advisory-calculator main .dscr-hero .btn-ghost{color:var(--advisory-ink);border-color:var(--advisory-control)}
.advisory-calculator main .dscr-calculator-module{padding-block:24px 48px}
.advisory-calculator .dscr-inner{padding-inline:20px;max-width:1200px}
.advisory-calculator main .dscr-section-title{text-align:left;font-size:24px;margin-bottom:8px}
.advisory-calculator main .dscr-section-sub{text-align:left;font-size:16px;margin-bottom:24px}
.advisory-calculator .dscr-card{background:#fff;border:1px solid var(--advisory-rule);border-radius:6px;box-shadow:none}
.advisory-calculator .dscr-band-tag{display:none}
.advisory-calculator .dscr-score-number{color:var(--advisory-ink)!important}
@media(max-width:700px){.advisory-case-list{grid-template-columns:1fr;gap:12px}}
@media(max-width:700px){body.advisory-site[data-complex-income] .advisory-situation-list .ci-card{grid-template-columns:1fr;gap:8px}}

/* ── Punch list 2026-09-17 ─────────────────────────────────────────────────
   Shared fixes: compact text-only heroes, card grids as ruled lists, one FAQ
   and one table treatment, no gap before the footer. Content stays in HTML. */
/* Heroes without a form or tool: a compact typographic opening, not a half-empty band. */
.advisory-site main .hero:not(:has(form)){height:auto;min-height:0;max-height:none;padding:clamp(2.25rem,4vw,3.25rem) 0;background:var(--advisory-paper);color:var(--advisory-ink)}
.advisory-site main .hero:not(:has(form))::before,.advisory-site main .hero:not(:has(form)) .hero-cutout{display:none}
.advisory-site main .hero:not(:has(form)) .hero-glass-card{max-width:860px;padding:0;background:transparent;border:0;box-shadow:none;backdrop-filter:none}
.advisory-site main .hero:not(:has(form)) .hero-col-authority{align-items:flex-start;text-align:left}
.advisory-site main .hero:not(:has(form)) .hero-subtitle{max-width:68ch}
.advisory-site main .hero:not(:has(form)) .hero-legal{margin-top:1rem}
/* Feature, audience and market grids read as ruled lists. No icons, boxes or lift. */
.advisory-site main .card-icon,.advisory-site main .card-icon-lg{display:none}
.advisory-site main .grid>.card{background:transparent;border:0;border-top:1px solid var(--advisory-rule);border-radius:0;box-shadow:none;padding:20px 0 4px;transform:none}
.advisory-site main .grid>.card:hover{transform:none;box-shadow:none;border-color:var(--advisory-rule)}
.advisory-site main .grid>a.card:hover h3{text-decoration:underline;text-underline-offset:4px}
.advisory-site main .grid>.card h3{font-size:1.125rem;margin-bottom:6px}
.advisory-site main .grid>.card p{font-size:1rem;line-height:1.6;color:var(--advisory-muted);max-width:44ch}
.advisory-site main .grid:has(>.card){gap:8px clamp(2rem,4vw,3.5rem)}
/* One FAQ treatment: hairline rows, no outer box, room for the marker. */
.advisory-site main .accordion{border:0;border-top:1px solid var(--advisory-rule);border-radius:0;overflow:visible;background:transparent}
.advisory-site main .accordion-button{gap:24px;padding-inline:0 4px}
.advisory-site main .accordion-button:hover{background:transparent}
.advisory-site main .accordion-button.active{color:var(--advisory-ink)}
.advisory-site main .accordion-button::after{flex:none;width:1em;text-align:center}
.advisory-site main .accordion-body{padding:0 0 24px;max-width:68ch}
.advisory-site main details:not(.advisory-contents)>summary{list-style:none;display:flex;justify-content:space-between;gap:24px;cursor:pointer}
.advisory-site main details:not(.advisory-contents)>summary::-webkit-details-marker{display:none}
.advisory-site main details:not(.advisory-contents)>summary::after{content:'+';flex:none;width:1em;text-align:center;font-weight:400}
.advisory-site main details:not(.advisory-contents)[open]>summary::after{content:'\2212'}
/* One table treatment: unboxed, paper header, hairline rows. */
body.advisory-site:not(.advisory-calculator) main table{border-collapse:collapse;width:100%;border:0;border-radius:0;box-shadow:none;background:transparent}
body.advisory-site:not(.advisory-calculator) main table :is(th,td){border:0;border-bottom:1px solid var(--advisory-rule);background:transparent;padding:12px 16px 12px 0;text-align:left;vertical-align:top;font-variant-numeric:tabular-nums lining-nums}
body.advisory-site:not(.advisory-calculator) main table thead th{background:transparent;color:var(--advisory-ink);font:600 .8125rem/1.4 var(--font-primary);letter-spacing:.04em;text-transform:uppercase;border-bottom:2px solid var(--advisory-ink)}
body.advisory-site:not(.advisory-calculator) main table tbody tr:nth-child(n){background:transparent}
body.advisory-site:not(.advisory-calculator) main table tbody :is(th,td:first-child){font-weight:600;color:var(--advisory-ink)}
/* The closing band meets the footer. */
.advisory-site footer{margin-top:0}
/* Tables on specialty pages follow the same unboxed treatment. */
body.advisory-site main :is(.ci-table-wrap,.experience-table-scroll,.table-wrap,.table-responsive){background:transparent;border:0;border-radius:0;box-shadow:none;padding:0}
body.advisory-site:not(.advisory-calculator) main table :is(th,td){border:0;border-bottom:1px solid var(--advisory-rule);background:transparent;color:var(--advisory-ink);padding:12px 16px 12px 0}
body.advisory-site:not(.advisory-calculator) main table thead th{background:transparent;color:var(--advisory-ink);font:600 .8125rem/1.4 var(--font-primary);letter-spacing:.04em;text-transform:uppercase;border-bottom:2px solid var(--advisory-ink)}
body.advisory-site:not(.advisory-calculator) main table tbody th{background:transparent;color:var(--advisory-ink);font-weight:600}
body.advisory-site:not(.advisory-calculator) main table caption{padding:0 0 12px;text-align:left;font:600 1rem/1.5 var(--font-primary);color:var(--advisory-ink);caption-side:top}
/* One primary button: ink on paper, white on dark. No gold fills. */
body.advisory-site main :is(.btn-primary,.journey-primary,.btn-light,.btn-gold),body.advisory-site main .journey-hero .journey-primary{background:var(--advisory-ink);border:1px solid var(--advisory-ink);color:#fff;border-radius:4px;box-shadow:none}
body.advisory-site main :is(.btn-primary,.journey-primary,.btn-light,.btn-gold):hover{background:#0f2230;color:#fff}
body.advisory-site main :is(.bg-navy,.bg-dark,.guide-final-cta,.journey-final) :is(.btn-primary,.journey-primary,.btn-light,.btn-gold){background:#fff;border-color:#fff;color:var(--advisory-ink)}
body.advisory-site main :is(.bg-navy,.bg-dark) :is(p,.text-white-90){color:rgba(255,255,255,.92)}
/* Contact sidebar: direct lines as links, not a stack of buttons. */
body.advisory-site .contact-ctas{gap:0;margin-top:1.5rem;border-top:1px solid rgba(255,255,255,.18)}
body.advisory-site .contact-ctas a{background:transparent;color:#fff;border-radius:0;box-shadow:none;transform:none;text-align:left;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.18);font-weight:600;text-decoration:underline;text-underline-offset:4px;display:flex;justify-content:space-between}
body.advisory-site .contact-ctas a::after{content:'\2192';text-decoration:none}
body.advisory-site .contact-ctas a:hover{background:transparent;box-shadow:none;transform:none;color:#fff}
/* Reviews: no letter avatars, one quiet star treatment. */
.advisory-site main .testimonial-avatar{display:none}
.advisory-site main .testimonial-stars{color:var(--advisory-accent);letter-spacing:2px;font-size:.9375rem}
.advisory-site main .grid>.card.testimonial-card{border-top:0;border-left:2px solid var(--advisory-accent);padding:4px 0 4px 20px}
/* Plain figures in place of stat tiles. */
.advisory-figure{border-top:1px solid var(--advisory-rule);padding:16px 0 4px}
.advisory-figure-number{font:700 2.25rem/1.1 var(--font-display);color:var(--advisory-ink);margin:0 0 4px;font-variant-numeric:lining-nums}
.advisory-site main .advisory-figure h4{font:600 1rem/1.4 var(--font-primary);margin:0 0 4px}
.advisory-site main .advisory-figure p:not(.advisory-figure-number){font-size:.9375rem;color:var(--advisory-muted);margin:0}
/* Homepage: the mid-page prompt is a plain block, not a floating card. */
body.advisory-site .quick-contact-card.quick-contact-card{max-width:640px;padding:0;border:0;border-radius:0;background:transparent;box-shadow:none;backdrop-filter:none;text-align:center}
body.advisory-site .quick-contact-section{border-block:1px solid var(--advisory-rule)}
@media (max-width:640px){
 /* Homepage indexes collapse to one tappable line per destination; descriptions stay for wider screens. */
 body.home-pilot main :is(.modern-goal-grid>a,.modern-program-tile){padding:14px 0}
 body.home-pilot main :is(.modern-goal-grid>a,.modern-program-tile)>p,body.home-pilot main :is(.modern-card-link,.modern-program-action){display:none}
 body.home-pilot main :is(.modern-goal-grid,.modern-program-tile) h3{font-size:18px;margin:0;display:flex;justify-content:space-between;gap:16px}
 body.home-pilot main :is(.modern-goal-grid,.modern-program-tile) h3::after{content:'\2192';color:var(--advisory-accent);font-weight:400}
 .advisory-site main .grid>.card p{max-width:none}
}
/* Calculators: a plain title block, then the tool. Inline hero styling from older builds is overridden. */
.advisory-calculator main :is(.calc-tool-hero,.dscr-hero){background:var(--advisory-paper)!important;color:var(--advisory-ink)!important;text-align:left!important;padding:28px 0!important}
.advisory-calculator main :is(.calc-tool-hero,.dscr-hero) :is(h1,p){color:var(--advisory-ink)!important;margin-left:0!important;margin-right:0!important;text-align:left}
.advisory-calculator main :is(.calc-tool-hero,.dscr-hero) p:first-child{color:var(--advisory-accent)!important}
.advisory-calculator main :is(.calc-tool-hero,.dscr-hero) div:has(>.btn){justify-content:flex-start!important}
.advisory-calculator main :is(.calc-tool-hero,.dscr-hero) .btn-primary{background:var(--advisory-ink)!important;color:#fff!important;border-radius:4px!important}
.advisory-calculator main :is(.calc-tool-hero,.dscr-hero) :is(.btn-hero-ghost,.btn-ghost){background:transparent!important;color:var(--advisory-ink)!important;border:1px solid var(--advisory-control)!important;border-radius:4px!important}
.advisory-site main .testimonial-author strong{margin-right:6px}
.advisory-site main .grid>.card.testimonial-card{align-self:start}
@media (max-width:640px){
 /* The tool comes first on a phone: no hero buttons, cautions after the fields. */
 .advisory-calculator main :is(.calc-tool-hero,.dscr-hero){padding:20px 0!important}
 .advisory-calculator main :is(.calc-tool-hero,.dscr-hero) div:has(>.btn),.advisory-calculator main .dscr-hero-ctas{display:none!important}
 .advisory-calculator main :is(.calc-tool-hero,.dscr-hero) p{font-size:16px!important;margin-bottom:0!important}
 .advisory-calculator main :is(.adc-heading,.dscr-section-title){font-size:22px;margin-bottom:4px}
 .advisory-calculator main #adc-calculator header{margin-bottom:12px!important;text-align:left!important}
 .advisory-calculator main #adc-calculator{padding-top:20px}
 .advisory-calculator main .adc-grid>div:first-child>.adc-card{display:flex;flex-direction:column}
 .advisory-calculator main .adc-grid>div:first-child>.adc-card>.adc-card-desc{order:99;margin-top:16px}
 /* Homepage proof band: two by two. */
 body.home-pilot .stats-grid-4{grid-template-columns:repeat(2,1fr)!important;gap:0}
 body.home-pilot .stats-strip .stat-item{padding:14px 8px}
}
@media (max-width:640px){#adc-main .calc-mobile-summary strong{font-size:19px;white-space:nowrap}#adc-main .calc-mobile-summary span{font-size:12px}}
/* Consent text must stay readable once the quote form sits on a white panel. */
body.advisory-product .advisory-quote .hero-quick-form-field>label[style],body.advisory-product .advisory-quote .hero-quick-form-field label{color:var(--advisory-ink)!important}
body.advisory-product .advisory-quote .hero-trust-badge{display:none}
/* Text-only heroes use the full text column. */
.advisory-site main .hero:not(:has(form)) .hero-authority-inner{max-width:none}
.advisory-site main .hero:not(:has(form)) h1{max-width:22ch}
/* Copy on dark bands is always light. */
body.advisory-site main :is(.bg-navy,.bg-dark,.cta-spotlight) :is(p,p.text-lg,.text-white-90){color:rgba(255,255,255,.92)!important}