/* tomjarboe.com: Tom Jarboe's personal site. Same family look as The Reverse Guide:
   light only, white and gray with one calm blue, large text for readers 40 and up (Michael, 2026-11-02 and 11-03). */
:root {
  --bg: #ffffff; --alt: #f4f6f8; --ink: #22282e; --muted: #4f5761; --line: #dfe3e8;
  --heading: #1e3348; --brand: #2b5f8e; --brand-ink: #ffffff; --brand-soft: #edf2f7;
  --note-bg: #fff2a8; --note-ink: #3d3200;
  --shadow: 0 1px 3px rgba(30,51,72,.08), 0 4px 16px rgba(30,51,72,.06);
  --display: "Avenir Next", Montserrat, "Segoe UI", -apple-system, BlinkMacSystemFont, Roboto, Helvetica, Arial, sans-serif;
  --sans: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color-scheme: light;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--bg); color: var(--ink); font: 1.1875rem/1.65 var(--sans); }
img { max-width: 100%; height: auto; }
a { color: var(--brand); text-underline-offset: 3px; }
a:hover { text-decoration-thickness: 2px; }
:focus-visible { outline: 3px solid var(--brand); outline-offset: 3px; border-radius: 4px; }
h1, h2, h3 { font-family: var(--display); line-height: 1.15; font-weight: 700; letter-spacing: -.015em; color: var(--heading); }
h1 { font-size: clamp(2.4rem, 6vw, 3.6rem); margin: 0 0 .2em; }
h2 { font-size: clamp(1.6rem, 3.6vw, 2.1rem); margin: 0 0 .6em; }
h3 { font-size: 1.3rem; margin: 0 0 .5em; }
p, ul, ol { margin: 0 0 1em; }
li { margin-bottom: .4em; }
.wrap { width: min(1120px, 100% - 32px); margin-inline: auto; }
.narrow { width: min(820px, 100% - 32px); }
.skip { position: absolute; left: -999px; }
.skip:focus { left: 16px; top: 16px; background: #fff; padding: 8px 12px; z-index: 10; }
.small { font-size: 1rem; color: var(--muted); }
.eyebrow { text-transform: uppercase; letter-spacing: .08em; font-size: 1rem; color: var(--brand); font-weight: 700; margin-bottom: .5em; }

/* Preview bar and yellow notes (preview only; the live build refuses while any note is left) */
.preview-bar { background: var(--note-bg); color: var(--note-ink); font-size: 1rem; }
.preview-bar .wrap { display: flex; gap: 12px; align-items: center; justify-content: space-between; padding: 8px 0; flex-wrap: wrap; }
.preview-bar button { font: inherit; background: #fff; color: var(--ink); border: 1px solid var(--line); border-radius: 8px; padding: 4px 12px; cursor: pointer; }
.note { background: var(--note-bg); color: var(--note-ink); padding: 1px 6px; border-radius: 4px; font-size: 1rem; }
body.hide-notes .note, body.hide-notes .note-line { display: none; }

/* Header */
.site-header { border-bottom: 1px solid var(--line); background: #fff; }
.header-row { display: flex; align-items: center; justify-content: space-between; gap: 12px 20px; padding: 12px 0; flex-wrap: wrap; }
.brand { text-decoration: none; display: flex; flex-direction: column; line-height: 1.25; }
.brand-name { font-family: var(--display); font-size: 1.4rem; font-weight: 700; color: var(--heading); }
.brand-sub { font-size: 1rem; color: var(--muted); }
.header-links { display: flex; align-items: center; gap: 8px 18px; flex-wrap: wrap; }
.header-links a:not(.btn) { color: var(--ink); text-decoration: none; font-size: 1rem; border-bottom: 2px solid transparent; padding: 4px 0; }
.header-links a:not(.btn):hover { border-bottom-color: var(--brand); }

/* Buttons */
.btn { display: inline-block; background: var(--brand); color: var(--brand-ink); text-decoration: none; padding: 12px 22px; border-radius: 999px; font-weight: 600; font-size: 1.05rem; border: 2px solid var(--brand); text-align: center; }
.btn:hover { filter: brightness(1.08); }
.btn-ghost { background: #fff; color: var(--brand); }
.btn-small { padding: 8px 16px; font-size: 1rem; }
.hl-short { display: none; }
.actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 20px; }

/* Hero: Tom's cutout over a soft gradient panel, The Reverse Guide card up front */
.hero { padding: clamp(32px, 6vw, 72px) 0 clamp(32px, 5vw, 56px); background: linear-gradient(180deg, #fff 0%, #f7f9fb 100%); }
.hero-grid { display: grid; grid-template-columns: 1.45fr 1fr; gap: 48px; align-items: end; }
.role { font-size: 1.3rem; color: var(--heading); font-weight: 600; margin-bottom: .6em; }
.lede { font-size: 1.2rem; color: var(--muted); max-width: 38em; }
.guide-card { margin-top: 28px; background: var(--brand-soft); border: 1px solid #cfdbe7; border-left: 6px solid var(--brand); border-radius: 18px; padding: 24px 26px; box-shadow: var(--shadow); }
.guide-card h2 { font-size: clamp(1.8rem, 4vw, 2.3rem); margin-bottom: .35em; }
.guide-card p:not(.eyebrow) { margin-bottom: 0; }
.guide-logo { display: block; width: 150px; height: auto; margin-bottom: 14px; mix-blend-mode: multiply; }
.hero-photo { margin: 0; max-width: 400px; justify-self: end; }
.photo-stage { position: relative; }
.photo-stage::before { content: ""; position: absolute; left: 0; right: 0; bottom: 0; height: 74%; border-radius: 28px; background: linear-gradient(180deg, #edf2f7 0%, #d3e0ec 100%); }
.photo-stage picture, .photo-stage img { position: relative; display: block; width: 100%; height: auto; }
.photo-stage img { border-radius: 0 0 28px 28px; }

/* Hero facts strip */
.hero-facts { list-style: none; padding: 0; margin: 28px 0 0; display: flex; flex-wrap: wrap; gap: 12px 28px; }
.hero-facts li { margin: 0; display: flex; flex-direction: column; border-left: 3px solid var(--brand); padding-left: 12px; }
.hero-facts strong { font-family: var(--display); color: var(--heading); font-size: 1.25rem; }
.hero-facts span { color: var(--muted); font-size: 1rem; }

/* Quick facts */
.mini-facts { margin: 0 0 16px; }
.mini-facts div { padding: 10px 0; border-bottom: 1px solid var(--line); }
.mini-facts dt { font-weight: 700; color: var(--heading); font-size: 1rem; }
.mini-facts dd { margin: 0; }
.prose p { max-width: 40em; }

/* Loans */
.section-lede { max-width: 44em; color: var(--muted); }
.loans { list-style: none; padding: 0; margin: 24px 0 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.loans li { margin: 0; background: #fff; border: 1px solid var(--line); border-top: 4px solid var(--brand); border-radius: 14px; padding: 18px 20px; box-shadow: var(--shadow); }
.loans h3 { margin-bottom: .3em; }
.loans p { margin: 0; font-size: 1.05rem; }
.loans .loan-reverse { background: var(--brand-soft); grid-column: 1 / -1; }

/* Reverse Guide band */
.guide-band { background: linear-gradient(180deg, #f7f9fb 0%, #fff 100%); border-top: 1px solid var(--line); }
.guide-band .guide-card { margin-top: 0; }
.q-links { padding-left: 1.2em; }
.q-links li { margin-bottom: .7em; }
.narrow-left { max-width: 820px; }

/* Bands */
.band { padding: clamp(40px, 6vw, 64px) 0; }
.band.alt { background: var(--alt); }
.two-col { display: grid; grid-template-columns: 1.3fr 1fr; gap: 40px; align-items: start; }
.more { margin: 24px 0 0; font-weight: 600; }

/* Guide question cards */
.paths { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 16px; }
.paths li { margin: 0; }
.path { display: flex; flex-direction: column; gap: 8px; height: 100%; background: #fff; border: 1px solid var(--line); border-radius: 14px; padding: 20px; text-decoration: none; color: var(--ink); box-shadow: var(--shadow); }
.path:hover { border-color: var(--brand); }
.path strong { font-family: var(--display); color: var(--heading); font-size: 1.2rem; line-height: 1.3; }
.path span { color: var(--muted); font-size: 1rem; }
.path em { margin-top: auto; font-style: normal; font-weight: 600; color: var(--brand); font-size: 1rem; }

/* About facts */
.facts { margin: 0; display: grid; gap: 0; max-width: 900px; }
.facts div { display: grid; grid-template-columns: 190px 1fr; gap: 16px; padding: 16px 0; border-top: 1px solid var(--line); }
.facts div:last-child { border-bottom: 1px solid var(--line); }
.facts dt { font-family: var(--display); font-weight: 700; color: var(--heading); }
.facts dd { margin: 0; }

/* Quotes */
.quotes { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 16px; }
.quotes blockquote { margin: 0; background: #fff; border-radius: 14px; padding: 22px 24px; border-top: 4px solid var(--brand); box-shadow: var(--shadow); }
.quotes p { margin: 0; font-size: 1.15rem; color: var(--heading); }
.quotes-by { margin-top: 18px; color: var(--muted); font-size: 1rem; }

/* Side boxes and contact */
.side-box { background: var(--alt); border: 1px solid var(--line); border-radius: 14px; padding: 22px 24px; }
.band.alt .side-box { background: #fff; }
.side-box p:last-child { margin-bottom: 0; }
.contact { background: var(--brand-soft); }
.contact .side-box { background: #fff; }
.contact-list { list-style: none; padding: 0; margin: 0; }
.contact-list li { display: grid; grid-template-columns: 90px 1fr; gap: 12px; padding: 10px 0; border-bottom: 1px solid #d6e1ec; margin: 0; }
.contact-list span { font-weight: 700; color: var(--heading); }

.faq h3 { margin-top: 1.4em; }
.faq p { max-width: 44em; }

/* Licensing page */
.prose h2 { margin-top: 1.6em; }

/* Footer */
.site-footer { background: var(--alt); border-top: 1px solid var(--line); padding: 40px 0 32px; font-size: 1rem; color: var(--muted); }
.footer-row { display: flex; justify-content: space-between; gap: 24px; flex-wrap: wrap; margin-bottom: 20px; }
.footer-row p { margin: 0 0 .4em; }
.footer-row strong { color: var(--heading); }
.footer-links { list-style: none; padding: 0; margin: 0; }
.naf-logo-footer { display: block; height: 44px; width: auto; margin-bottom: 12px; }
.disclosures p { margin: 0 0 .9em; }
.naf-links { display: flex; flex-wrap: wrap; gap: 6px 16px; }
.ehl { display: flex; align-items: center; gap: 10px; }
.ehl img { width: 40px; height: auto; }
.crafted a { color: #6b7178; text-decoration: none; }

@media (max-width: 820px) {
  .hero-grid, .two-col { grid-template-columns: 1fr; gap: 28px; }
  .hero-photo { justify-self: center; max-width: 190px; order: -1; }
  .hero { padding-top: 20px; }
  .facts div { grid-template-columns: 1fr; gap: 4px; }
}
@media (max-width: 520px) {
  .actions .btn { display: block; width: 100%; }
  .guide-card { padding: 20px; }
  .contact-list li { grid-template-columns: 1fr; gap: 2px; }
  .header-links .hl-hide, .hl-num { display: none; }
  .hl-short { display: inline; }
  .header-row { padding: 10px 0; }
}

/* Talk with Tom widget: phone number is the focal point (Michael, 2026-11-04) */
.tw { position: fixed; right: 20px; bottom: 20px; z-index: 50; font-family: var(--sans); transition: transform .25s ease; }
.tw.tw-tucked { transform: translateY(140%); }
.tw-btn { display: flex; align-items: center; gap: 10px; border: 0; cursor: pointer; background: var(--brand); color: #fff; font: 700 1.05rem var(--sans); padding: 8px 20px 8px 8px; border-radius: 999px; box-shadow: 0 6px 20px rgba(30,51,72,.28); }
.tw-btn img { width: 36px; height: 36px; border-radius: 50%; object-fit: cover; border: 2px solid #fff; }
.tw-btn:hover { filter: brightness(1.08); }
.tw-panel { position: absolute; right: 0; bottom: 64px; width: min(360px, calc(100vw - 32px)); background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 22px; box-shadow: 0 12px 40px rgba(30,51,72,.22); }
.tw-close { position: absolute; top: 8px; right: 10px; border: 0; background: none; font-size: 1.8rem; line-height: 1; color: var(--muted); cursor: pointer; padding: 4px 8px; }
.tw-head { display: flex; align-items: center; gap: 12px; margin-bottom: 12px; }
.tw-head img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; }
.tw-name { font: 700 1.15rem var(--display); color: var(--heading); margin: 0; }
.tw-role { margin: 0; color: var(--muted); font-size: 1rem; }
.tw-title { font: 700 1.2rem/1.3 var(--display); color: var(--heading); margin: 0 0 10px; }
.tw-call { display: block; text-align: center; text-decoration: none; background: var(--brand); color: #fff; border-radius: 16px; padding: 12px 16px 14px; box-shadow: 0 4px 14px rgba(43,95,142,.3); }
.tw-call:hover { filter: brightness(1.08); }
.tw-call-label { display: block; font-size: 1rem; font-weight: 600; opacity: .95; }
.tw-number { display: block; font: 700 clamp(1.7rem, 7vw, 2rem)/1.15 var(--display); letter-spacing: .01em; }
.tw-hours { text-align: center; color: var(--muted); font-size: 1rem; margin: 10px 0 4px; }
.tw-divider { display: flex; align-items: center; gap: 10px; color: var(--muted); font-size: 1rem; margin: 6px 0 10px; }
.tw-divider::before, .tw-divider::after { content: ""; flex: 1; border-top: 1px solid var(--line); }
.tw-apply { display: block; width: 100%; }
.tw-fine { font-size: 1rem; color: var(--muted); margin: 8px 0 0; text-align: center; }
@media (max-width: 520px) { .tw { right: 12px; bottom: 12px; } .tw-btn { font-size: 1rem; padding: 6px 16px 6px 6px; } }
@media (prefers-reduced-motion: reduce) { .tw { transition: none; } }
@media print { .tw { display: none; } }
.site-footer { padding-bottom: 96px; }

/* ===== Modern layer (Michael, 2026-11-04): a little more modern than The Reverse Guide, same family.
   Still light only, white and gray with one calm blue (navy is the heading color). ===== */
:root { --radius: 20px; --alt: #f5f7fa; --shadow-lift: 0 2px 6px rgba(30,51,72,.08), 0 14px 32px rgba(30,51,72,.10); }
h1, h2 { letter-spacing: -.025em; font-weight: 800; }
h1 { font-size: clamp(2.8rem, 7vw, 4.3rem); line-height: 1.02; }
h2 { font-size: clamp(1.8rem, 4vw, 2.5rem); line-height: 1.1; }

/* Pill labels instead of small capitals */
.eyebrow { display: inline-block; text-transform: none; letter-spacing: .01em; background: var(--brand-soft); color: var(--brand);
  border: 1px solid #d6e2ee; border-radius: 999px; padding: 3px 14px; margin-bottom: 14px; }

/* Header stays at the top with a frosted look */
.site-header { position: sticky; top: 0; z-index: 40; background: rgba(255,255,255,.86); -webkit-backdrop-filter: saturate(160%) blur(12px); backdrop-filter: saturate(160%) blur(12px); }
.header-links a:not(.btn) { font-weight: 600; }

/* Buttons: softer, with a little depth */
.btn { box-shadow: 0 4px 14px rgba(43,95,142,.22); transition: transform .15s ease, box-shadow .15s ease, filter .15s ease; }
.btn:hover { transform: translateY(-1px); box-shadow: 0 8px 20px rgba(43,95,142,.28); }
.btn-ghost { box-shadow: none; border-color: #c4d4e4; }
.btn-ghost:hover { border-color: var(--brand); box-shadow: none; }

/* Hero: soft blue glow, Tom in a full rounded card, facts as chips */
.hero { background: radial-gradient(1100px 520px at 85% 10%, #e6eef7 0%, rgba(230,238,247,0) 60%), linear-gradient(180deg, #fff 0%, #f8fafc 100%); }
.hero-grid { align-items: center; }
.role { font-size: 1.35rem; }
.photo-stage { border-radius: 32px; overflow: hidden; background: linear-gradient(160deg, #eef3f9 0%, #cddcec 100%); box-shadow: var(--shadow-lift); padding-top: 24px; }
.photo-stage::before { display: none; }
.photo-stage img { border-radius: 0; }
.hero-facts { gap: 10px; }
.hero-facts li { flex-direction: row; align-items: baseline; gap: 6px; border: 1px solid var(--line); border-left: 1px solid var(--line); background: #fff; border-radius: 999px; padding: 6px 16px; box-shadow: 0 1px 2px rgba(30,51,72,.05); }
.hero-facts strong { font-size: 1.05rem; }

/* Cards: rounder, lift on hover */
.side-box, .path, .quotes blockquote, .loans li, .guide-card { border-radius: var(--radius); }
.loans li, .quotes blockquote, .side-box { transition: transform .2s ease, box-shadow .2s ease; }
.loans li:hover { transform: translateY(-3px); box-shadow: var(--shadow-lift); }
.loans li { border-top: 1px solid var(--line); }
.loan-icon { display: block; width: 34px; height: 34px; color: var(--brand); margin-bottom: 10px; }
.loans .loan-reverse { display: grid; grid-template-columns: auto 1fr; gap: 0 16px; align-items: start; border-color: #d6e2ee; }
.loans .loan-reverse .loan-icon { grid-row: span 2; margin: 2px 0 0; }
.quotes blockquote { border-top: 0; position: relative; padding-top: 44px; }
.quotes blockquote::before { content: "\201C"; position: absolute; top: 2px; left: 22px; font: 800 3.6rem/1 var(--display); color: #c4d4e4; }
.side-box { background: #fff; box-shadow: var(--shadow); }
.mini-facts div:last-child { border-bottom: 0; }

/* Navy contact band so the phone number stands out */
.contact { background: radial-gradient(900px 420px at 10% 0%, #2a4766 0%, rgba(42,71,102,0) 70%), var(--heading); color: #e9eff6; }
.contact h2 { color: #fff; }
.contact .eyebrow { background: rgba(255,255,255,.12); border-color: rgba(255,255,255,.25); color: #fff; }
.contact > .wrap > div:first-child a { color: #fff; }
.contact .contact-list li { border-bottom-color: rgba(255,255,255,.18); }
.contact .contact-list span { color: #fff; }
.contact > .wrap > div:first-child .btn { background: #fff; color: var(--heading); border-color: #fff; }
.contact .side-box { color: var(--ink); }
.contact .side-box a { color: var(--brand); }
.contact-phone { display: inline-block; font: 800 clamp(2rem, 6vw, 2.6rem)/1.1 var(--display); color: #fff; text-decoration: none; margin: 4px 0 18px; letter-spacing: .01em; }
.contact-phone:hover { text-decoration: underline; text-underline-offset: 6px; }

/* Gentle fade-in as sections scroll into view (only when scripts run; off for reduced motion) */
.js-reveal .reveal { opacity: 0; transform: translateY(18px); transition: opacity .6s ease, transform .6s ease; }
.js-reveal .reveal.in { opacity: 1; transform: none; }
@media (prefers-reduced-motion: reduce) {
  .js-reveal .reveal { opacity: 1; transform: none; transition: none; }
  .btn, .loans li { transition: none; }
  .btn:hover, .loans li:hover { transform: none; }
}
@media (max-width: 820px) { .photo-stage { padding-top: 14px; } }
@media (max-width: 520px) { .hero-facts li { padding: 5px 12px; } .loans .loan-reverse { grid-template-columns: 1fr; } .loans .loan-reverse .loan-icon { grid-row: auto; margin-bottom: 10px; } }
@media (max-width: 520px) { .eyebrow { border-radius: 14px; } }

/* Type (Michael, 2026-11-04: the heavy Avenir Next didn't feel modern). Headings use the device's own modern font:
   SF Pro on Apple, Segoe UI Variable on Windows, Roboto on Android. Slimmer weight, tighter spacing. Nothing extra to load. */
:root { --display: -apple-system, BlinkMacSystemFont, "SF Pro Display", "Segoe UI Variable Display", "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif; }
h1 { font-weight: 700; letter-spacing: -.04em; line-height: 1.0; }
h2 { font-weight: 700; letter-spacing: -.03em; }
h3, .path strong, .tw-name, .tw-title { font-weight: 650; letter-spacing: -.01em; }
.brand-name { font-weight: 700; letter-spacing: -.02em; }
.role { font-weight: 500; color: var(--muted); }
.hero-facts strong, .facts dt, .mini-facts dt { font-weight: 650; }
.contact-phone, .tw-number { font-weight: 700; letter-spacing: -.01em; font-variant-numeric: tabular-nums; }
.quotes blockquote::before { font-family: Georgia, "Times New Roman", serif; font-weight: 400; }

/* Phones: name and Call button on the first screen (Michael, 2026-11-04). The big photo becomes a round photo beside the name. */
.hero-avatar { display: none; }
.name-row h1 { margin-bottom: .15em; }
@media (max-width: 820px) {
  .hero { padding-top: 20px; }
  .hero-photo { display: none; }
  .hero-text { display: flex; flex-direction: column; }
  .name-row { order: 1; display: flex; align-items: center; gap: 14px; margin-bottom: 14px; }
  .hero-avatar { display: block; width: 80px; height: 80px; border-radius: 50%; object-fit: cover; flex: none; border: 3px solid #fff; box-shadow: var(--shadow-lift); }
  .name-row h1 { font-size: clamp(2.3rem, 10vw, 3rem); }
  .name-row .role { margin: 0; font-size: 1.1rem; line-height: 1.35; }
  .hero-text .actions { order: 2; margin-top: 4px; margin-bottom: 18px; }
  .hero-text .lede { order: 3; }
  .hero-text .hero-facts { order: 4; margin-top: 4px; }
  .hero-text .eyebrow { order: 5; align-self: flex-start; margin: 16px 0 0; }
}
@media (max-width: 520px) {
  .bs-long, .hl-guide { display: none; }
  .header-row { flex-wrap: nowrap; }
  .brand-name { font-size: 1.25rem; }
}

/* Header brand: New American Funding logo, thin divider, Tom's name (Michael, 2026-11-04: the title, company and NMLS line repeated the hero) */
.brand { flex-direction: row; align-items: center; gap: 14px; }
.naf-logo { display: block; height: 34px; width: auto; }
.brand-divider { width: 1px; height: 30px; background: var(--line); }
@media (max-width: 520px) { .naf-logo { height: 26px; } .brand { gap: 10px; } .brand-divider { height: 24px; } .brand-name { font-size: 1.1rem; } }
@media (max-width: 400px) { .brand-divider, .brand-name { display: none; } }

/* About: label and heading across the top, then the story and Quick facts side by side, lined up (Michael, 2026-11-04) */
#about h2 { margin-top: 0; }
.about-cols { margin-top: 8px; }
.about-cols .side-box h3 { margin-top: 0; }

/* Questions as drop-downs (Michael, 2026-11-04). Native <details>, so answers stay in the page text for Google and AI tools. */
.faq .section-lede { margin-bottom: 8px; }
.faq-groups { display: grid; grid-template-columns: 1fr 1fr; gap: 24px 32px; margin-top: 24px; align-items: start; }
.faq-group-h { font-size: 1.15rem; color: var(--muted); font-weight: 650; margin: 0 0 12px; letter-spacing: 0; }
.faq-item { background: #fff; border: 1px solid var(--line); border-radius: 16px; margin-bottom: 12px; box-shadow: 0 1px 2px rgba(30,51,72,.04); transition: border-color .2s ease, box-shadow .2s ease; }
.faq-item:hover { border-color: #c4d4e4; }
.faq-item[open] { border-color: #c4d4e4; box-shadow: var(--shadow); }
.faq-item summary { list-style: none; cursor: pointer; display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 16px 20px; border-radius: 16px; }
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary h4 { margin: 0; font: 650 1.12rem/1.35 var(--display); color: var(--heading); letter-spacing: -.01em; }
.faq-item summary:focus-visible { outline: 3px solid var(--brand); outline-offset: 2px; }
.faq-icon { flex: none; width: 30px; height: 30px; border-radius: 50%; background: var(--brand-soft); position: relative; transition: transform .25s ease, background .2s ease; }
.faq-icon::before, .faq-icon::after { content: ""; position: absolute; left: 50%; top: 50%; width: 12px; height: 2px; margin: -1px 0 0 -6px; background: var(--brand); border-radius: 2px; }
.faq-icon::after { transform: rotate(90deg); transition: transform .25s ease; }
.faq-item[open] .faq-icon { background: var(--brand); transform: rotate(180deg); }
.faq-item[open] .faq-icon::before, .faq-item[open] .faq-icon::after { background: #fff; }
.faq-item[open] .faq-icon::after { transform: rotate(0deg); }
.faq-a { padding: 0 20px 18px; }
.faq-a p { margin: 0 0 .8em; max-width: none; font-size: 1.05rem; }
.faq-a p:last-child { margin-bottom: 0; }
.faq h3.faq-group-h { margin-top: 0; }
@media (max-width: 820px) { .faq-groups { grid-template-columns: 1fr; } }
@media (prefers-reduced-motion: reduce) { .faq-icon, .faq-icon::after, .faq-item { transition: none; } }

/* "What Tom brings": credentials shown quietly, each with why it matters (Michael, 2026-11-04) */
.brings-list { list-style: none; padding: 0; margin: 0 0 16px; }
.brings-list li { padding: 12px 0; border-bottom: 1px solid var(--line); margin: 0; display: grid; gap: 2px; }
.brings-list li:last-child { border-bottom: 0; }
.brings-list strong { color: var(--heading); font: 650 1.05rem/1.35 var(--display); }
.brings-list span { color: var(--muted); font-size: 1rem; line-height: 1.5; }

/* Edit pass (Michael, 2026-11-04): skimmable story lines, guide bullets, one-column questions */
.story p { margin-bottom: 1.1em; }
.story strong { color: var(--heading); }
.guide-points { margin: 0 0 12px; padding-left: 1.2em; }
.guide-points li { margin-bottom: .25em; }
.faq-a ul { margin: 0 0 .8em; padding-left: 1.2em; }
.faq-a li { font-size: 1.05rem; margin-bottom: .35em; }
.faq-item summary h3 { margin: 0; font: 650 1.12rem/1.35 var(--display); color: var(--heading); letter-spacing: -.01em; }
.faq .faq-item:first-of-type { margin-top: 20px; }

/* Office map in Contact (Michael, 2026-11-04). A static picture: no third-party map loads for visitors. */
.office-map { margin: 0; background: #fff; border-radius: var(--radius); overflow: hidden; box-shadow: 0 12px 40px rgba(0,0,0,.25); color: var(--ink); }
.office-map img { display: block; width: 100%; height: auto; aspect-ratio: 8 / 5; object-fit: cover; }
.office-map figcaption { padding: 18px 22px 16px; }
.office-map .map-address { margin: 0 0 4px; }
.office-map .map-address strong { color: var(--heading); }
.office-map .map-note { color: var(--muted); font-size: 1rem; margin: 0 0 12px; }
.map-actions { display: flex; flex-wrap: wrap; gap: 10px; }
.contact .office-map a:not(.btn) { color: var(--brand); }
.contact .office-map .btn { box-shadow: none; }
.map-credit { margin: 12px 0 0; font-size: 1rem; color: var(--muted); }
.map-img-link { display: block; }
.map-img-link:focus-visible { outline-offset: -4px; }
@media (max-width: 520px) { .map-actions .btn { width: 100%; } }

/* Branch section: a faded, hand-drawn style map sketch with a home pin (Michael, 2026-11-04). Decoration only. */
.branch-band { position: relative; overflow: hidden; }
.branch-band > .wrap { position: relative; z-index: 1; }
.branch-art { position: absolute; right: -10px; top: 50%; transform: translateY(-50%); width: min(660px, 50%); opacity: .75; pointer-events: none;
  -webkit-mask-image: linear-gradient(90deg, transparent 0%, #000 35%, #000 85%, transparent 100%); mask-image: linear-gradient(90deg, transparent 0%, #000 35%, #000 85%, transparent 100%); }
.branch-art svg { display: block; width: 100%; height: auto; }
@media (max-width: 820px) {
  .branch-art { position: relative; right: auto; top: auto; transform: none; width: 100%; margin: -8px 0 -24px; opacity: .6;
    -webkit-mask-image: linear-gradient(180deg, transparent 0%, #000 25%, #000 80%, transparent 100%); mask-image: linear-gradient(180deg, transparent 0%, #000 25%, #000 80%, transparent 100%); order: 2; }
  .branch-band { display: flex; flex-direction: column; }
}

/* Source line under the quotes heading (Michael, 2026-11-04) */
.quotes-source { color: var(--muted); font-size: 1rem; margin: -6px 0 18px; }

/* Tablet: keep the header on one line with a short Call button (audit, 2026-11-04) */
@media (max-width: 900px) { .hl-num { display: none; } .hl-short { display: inline; } .header-links { gap: 8px 14px; } }

/* Phone tap targets (audit 2026-11-05): stand-alone links get at least 24px of height to tap */
.q-links a, .footer-links a, p.more a, p.crafted a { display: inline-block; padding: 3px 0; }