/* Shared styles for the /va hub + spokes. Extracted from va.html so the
   six-page family caches one stylesheet instead of inlining 43KB each. */

/* Self-hosted DM Serif Display + DM Sans (SIL OFL 1.1).
   Replaces the render-blocking cross-origin fonts.googleapis.com request. */
/* latin-ext */
@font-face {
  font-family: 'DM Sans';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/fonts/rP2rp2ywxg089UriCZaSExd86J3t9jz86Mvy4qCRAL19DksVat-JDV36TGcro9o45zyRbg.woff2) format('woff2');
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}
/* latin */
@font-face {
  font-family: 'DM Sans';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/fonts/rP2rp2ywxg089UriCZaSExd86J3t9jz86Mvy4qCRAL19DksVat-JDV30TGcro9o45zw.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* latin-ext */
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/fonts/rP2Yp2ywxg089UriI5-g4vlH9VoD8Cmcqbu6-K6z9mXgjU0.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/fonts/rP2Yp2ywxg089UriI5-g4vlH9VoD8Cmcqbu0-K6z9mXg.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* latin-ext */
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url(/assets/fonts/rP2Yp2ywxg089UriI5-g4vlH9VoD8Cmcqbu6-K6z9mXgjU0.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 500;
  font-display: swap;
  src: url(/assets/fonts/rP2Yp2ywxg089UriI5-g4vlH9VoD8Cmcqbu0-K6z9mXg.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* latin-ext */
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(/assets/fonts/rP2Yp2ywxg089UriI5-g4vlH9VoD8Cmcqbu6-K6z9mXgjU0.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 600;
  font-display: swap;
  src: url(/assets/fonts/rP2Yp2ywxg089UriI5-g4vlH9VoD8Cmcqbu0-K6z9mXg.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* latin-ext */
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(/assets/fonts/rP2Yp2ywxg089UriI5-g4vlH9VoD8Cmcqbu6-K6z9mXgjU0.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'DM Sans';
  font-style: normal;
  font-weight: 700;
  font-display: swap;
  src: url(/assets/fonts/rP2Yp2ywxg089UriI5-g4vlH9VoD8Cmcqbu0-K6z9mXg.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* latin-ext */
@font-face {
  font-family: 'DM Serif Display';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/fonts/-nFhOHM81r4j6k0gjAW3mujVU2B2G_VB3vD2xWr53BJl.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'DM Serif Display';
  font-style: italic;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/fonts/-nFhOHM81r4j6k0gjAW3mujVU2B2G_VB0PD2xWr53A.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}
/* latin-ext */
@font-face {
  font-family: 'DM Serif Display';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/fonts/-nFnOHM81r4j6k0gjAW3mujVU2B2G_5x0vrx52jJ3Q.woff2) format('woff2');
  unicode-range: U+0100-02BA, U+02BD-02C5, U+02C7-02CC, U+02CE-02D7, U+02DD-02FF, U+0304, U+0308, U+0329, U+1D00-1DBF, U+1E00-1E9F, U+1EF2-1EFF, U+2020, U+20A0-20AB, U+20AD-20C0, U+2113, U+2C60-2C7F, U+A720-A7FF;
}
/* latin */
@font-face {
  font-family: 'DM Serif Display';
  font-style: normal;
  font-weight: 400;
  font-display: swap;
  src: url(/assets/fonts/-nFnOHM81r4j6k0gjAW3mujVU2B2G_Bx0vrx52g.woff2) format('woff2');
  unicode-range: U+0000-00FF, U+0131, U+0152-0153, U+02BB-02BC, U+02C6, U+02DA, U+02DC, U+0304, U+0308, U+0329, U+2000-206F, U+20AC, U+2122, U+2191, U+2193, U+2212, U+2215, U+FEFF, U+FFFD;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0;}
:root{
  color-scheme:light dark;
  --bg:#F2EFE9;
  --surface:#FDFCFA;
  --navy:#0B1828;
  --navy2:#1A2740;
  --navy3:#253650;
  --steel:#1F4E8C;
  --bronze:#8B7040;
  --gold:#C9A84C;
  --gold2:#D4AD62;
  --gold3:#F0E2C0;
  --white:#fff;
  --off-white:#F2EFE9;
  --text:#1A2740;
  --text-muted:rgba(26,39,64,.65);
  --dim:rgba(255,255,255,.6);
  --dimmer:rgba(255,255,255,.35);
  --border:rgba(31,78,140,.15);
  --panel:rgba(255,255,255,.04);
  --serif:'DM Serif Display',Georgia,serif;
  --sans:'DM Sans',-apple-system,BlinkMacSystemFont,sans-serif;
}

/* ── DARK MODE — readability remap (additive; light design unchanged) ──
   Keeps the warm-stone / steel-blue identity. --navy is NOT remapped: it
   backs the many already-dark sections (hero, crisis bar, cards, footer,
   cta band) that read fine. Instead we flip the light page bg + surfaces
   dark, lighten body text, brighten steel, and override the specific
   navy/#2d3748 text that sits on now-dark surfaces. */
@media (prefers-color-scheme: dark){
  :root{
    --bg:#14120E;                       /* warm stone-dark page bg */
    --surface:#211D16;                  /* dark warm card surface */
    --steel:#4A86C4;                    /* brightened: link + button bg */
    --bronze:#C99A5C;                   /* brightened accent/border */
    --text:#ECE7DE;                     /* light warm off-white (was navy) */
    --text-muted:rgba(236,231,222,.68);
    --border:rgba(255,255,255,.12);
    /* --navy / --navy2 / --navy3 kept dark: they back dark sections */
    /* --gold / --gold2 / --gold3 / --white kept: read fine on dark */
  }
  /* navy-as-TEXT on light-turned-dark surfaces → light */
  .s-title-dark, td.hl, .benefit-text h4, .benefit-amount strong,
  .step-body h4, .step-tag, .checklist-col h4, .cl-items li::before,
  .dl-title, .tdiu-box h3, .tdiu-req, .loan-card h4, .edu-card h4,
  .qa-q, .qa-highlight, .cs-title, .video-title, .fl-hero-text h3,
  .fl-card-title{ color:#ECE7DE; }
  /* hardcoded dark-slate body text on now-dark surfaces → light */
  .cl-items li, .tdiu-box p, .qa-a, .qa-warn{ color:#C9CFD8; }
  /* dark link-hover → readable on dark */
  .fl-card-link:hover{ color:#7FB0E8; }
}

html{scroll-behavior:smooth;}
body{font-family:var(--sans);background:var(--bg);color:var(--text);-webkit-font-smoothing:antialiased;overflow-x:hidden;font-size:1rem;line-height:1.65;}

/* Skip link */
.skip-link{position:absolute;top:-40px;left:1rem;background:var(--steel);color:#fff;padding:.5rem 1rem;border-radius:0 0 8px 8px;font-size:.875rem;font-weight:700;text-decoration:none;z-index:9999;transition:top .2s;}
.skip-link:focus{top:0;}
*:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:4px;}

/* NAV */
nav{position:fixed;top:0;left:0;right:0;z-index:200;height:56px;display:flex;align-items:center;
  justify-content:space-between;padding:0 2rem;
  background:rgba(11,24,40,.96);backdrop-filter:blur(20px);
  border-bottom:1px solid rgba(31,78,140,.25);}
.nav-logo{font-family:var(--sans);font-size:.95rem;font-weight:800;letter-spacing:.04em;color:#fff;text-decoration:none;}
.nav-logo span{color:var(--gold);}
.nav-links{display:flex;gap:1.5rem;list-style:none;align-items:center;}
.nav-links a{font-size:.78rem;color:rgba(255,255,255,.7);text-decoration:none;transition:color .2s;}
.nav-links a:hover{color:var(--gold);}
.nav-cta{color:var(--gold)!important;font-weight:600;}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;background:none;border:none;padding:4px;}
.hamburger span{display:block;width:22px;height:2px;background:#fff;}
.mob-nav{display:none;position:fixed;top:56px;left:0;right:0;background:rgba(11,24,40,.98);backdrop-filter:blur(20px);
  border-bottom:1px solid rgba(31,78,140,.2);padding:1rem 2rem 1.5rem;z-index:199;}
.mob-nav.open{display:block;}
.mob-nav a{display:block;padding:.65rem 0;font-size:.9rem;color:rgba(255,255,255,.8);text-decoration:none;border-bottom:1px solid rgba(255,255,255,.08);}
.mob-nav a:hover{color:var(--gold);}
@media(max-width:720px){.nav-links{display:none;}.hamburger{display:flex;}}

/* CRISIS BANNER */
.crisis-bar{background:var(--navy);border-left:4px solid var(--steel);color:#fff;text-align:center;padding:.65rem 1rem;font-size:.875rem;font-weight:600;line-height:1.5;position:sticky;top:56px;z-index:100;}
.crisis-bar a{color:#fff;font-weight:700;text-decoration:underline;}

/* HERO */
.hero{background:linear-gradient(160deg,var(--navy) 0%,#162338 50%,#1A2E50 100%);
  color:#fff;padding:7rem 2rem 5rem;text-align:center;position:relative;overflow:hidden;}
.hero::before{content:'';position:absolute;inset:0;
  background:radial-gradient(ellipse 80% 60% at 50% 0%,rgba(31,78,140,.18),transparent),
              radial-gradient(ellipse 50% 40% at 80% 100%,rgba(139,112,64,.1),transparent);}
.hero-stars{position:absolute;top:0;left:0;right:0;height:4px;
  background:repeating-linear-gradient(90deg,var(--gold) 0,var(--gold) 8px,transparent 8px,transparent 20px);}
.hero-content{position:relative;z-index:1;max-width:800px;margin:0 auto;}
.hero-badge{display:inline-flex;align-items:center;gap:.5rem;
  background:rgba(201,168,76,.12);border:1px solid rgba(201,168,76,.35);
  color:var(--gold2);font-size:.65rem;font-weight:700;letter-spacing:.12em;
  text-transform:uppercase;padding:.38rem 1rem;border-radius:980px;margin-bottom:1.5rem;}
.hero h1{font-family:var(--serif);font-size:clamp(2.4rem,7vw,5rem);font-weight:400;line-height:1.05;
  margin-bottom:1.25rem;letter-spacing:-.01em;}
.hero h1 span{color:var(--gold2);}
.hero-sub{font-size:clamp(1rem,2.2vw,1.2rem);color:rgba(255,255,255,.72);
  max-width:620px;margin:0 auto 2rem;line-height:1.8;}
.hero-actions{display:flex;flex-wrap:wrap;gap:1rem;justify-content:center;margin-bottom:2rem;}
.btn-gold{background:var(--gold);color:var(--navy);padding:.8rem 2rem;border-radius:6px;
  font-size:.9rem;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:.4rem;
  transition:all .2s;letter-spacing:.01em;}
.btn-gold:hover{background:var(--gold2);transform:translateY(-1px);}
.btn-outline{background:transparent;color:#fff;padding:.8rem 2rem;border-radius:6px;
  font-size:.9rem;font-weight:600;text-decoration:none;display:inline-flex;align-items:center;gap:.4rem;
  border:1.5px solid rgba(255,255,255,.35);transition:all .2s;}
.btn-outline:hover{border-color:var(--gold);color:var(--gold);}
.hero-stats{display:flex;flex-wrap:wrap;gap:2rem;justify-content:center;
  padding-top:2rem;border-top:1px solid rgba(255,255,255,.1);}
.hero-stat{text-align:center;}
.hero-stat strong{display:block;font-family:var(--serif);font-size:2rem;font-weight:400;color:var(--gold2);}
.hero-stat span{font-size:.75rem;color:rgba(255,255,255,.55);letter-spacing:.04em;text-transform:uppercase;}

/* SECTION COMMONS */
.section{padding:5rem 2rem;}
.section-dark{background:var(--navy);color:#fff;}
.section-navy2{background:var(--navy2);color:#fff;}
.section-light{background:var(--bg);}
.section-white{background:var(--surface);}
.c{max-width:1000px;margin:0 auto;}
.s-label{font-size:.75rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;
  color:var(--bronze);margin-bottom:.75rem;display:flex;align-items:center;gap:.6rem;}
.s-label::before{content:'';width:20px;height:2px;background:var(--bronze);border-radius:1px;flex-shrink:0;}
.s-title{font-family:var(--serif);font-size:clamp(1.9rem,4.5vw,3rem);font-weight:400;
  line-height:1.1;margin-bottom:1rem;color:inherit;}
.s-title-dark{color:var(--navy);}
.s-sub{font-size:1rem;line-height:1.8;max-width:660px;}
.s-sub-dim{color:rgba(255,255,255,.65);}
.s-sub-gray{color:var(--text-muted);}

/* ══════════════════════════════════════════
   SECTION 1: START HERE — SITUATION SELECTOR
══════════════════════════════════════════ */
.situation-section{padding:4rem 2rem;}
.sit-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:1rem;margin-top:2.5rem;}
.sit-card{background:var(--navy);color:#fff;border:1px solid var(--border);border-radius:10px;
  padding:1.5rem 1.25rem;cursor:pointer;text-decoration:none;display:flex;flex-direction:column;align-items:flex-start;
  transition:all .22s;position:relative;overflow:hidden;}
.sit-card::before{content:'';position:absolute;bottom:0;left:0;right:0;height:3px;background:var(--gold);
  transform:scaleX(0);transform-origin:left;transition:transform .22s;}
.sit-card:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:0 10px 30px rgba(0,0,0,.2);}
.sit-card:hover::before{transform:scaleX(1);}
.sit-icon{font-size:1.75rem;margin-bottom:.75rem;}
.sit-label{font-size:.82rem;font-weight:600;line-height:1.4;color:#fff;}
.sit-desc{font-size:1rem;color:rgba(255,255,255,.5);margin-top:.35rem;line-height:1.5;}

/* ══════════════════════════════════════════
   RATING TABLE
══════════════════════════════════════════ */
.rating-table-wrap{overflow-x:auto;margin-top:2rem;}
table{width:100%;border-collapse:collapse;font-size:.85rem;}
thead tr{background:var(--navy);color:var(--gold);}
th{padding:.75rem 1rem;text-align:left;font-weight:700;letter-spacing:.04em;font-size:.875rem;text-transform:uppercase;}
tbody tr{border-bottom:1px solid rgba(0,0,0,.07);}
tbody tr:nth-child(even){background:rgba(31,78,140,.04);}
td{padding:.7rem 1rem;color:var(--text);vertical-align:top;line-height:1.5;font-size:1rem;}
td.hl{font-weight:700;color:var(--navy);}
.rate-pill{display:inline-block;background:var(--navy);color:var(--gold);
  font-size:.875rem;font-weight:700;padding:.18rem .65rem;border-radius:4px;letter-spacing:.03em;}
.rate-pill.r100{background:var(--steel);color:#fff;}

/* ══════════════════════════════════════════
   PATHS TO 100%
══════════════════════════════════════════ */
.paths-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1.5rem;margin-top:2.5rem;}
.path-card{background:var(--navy);border:1px solid var(--border);border-radius:12px;padding:2rem;
  transition:all .22s;}
.path-card:hover{border-color:var(--gold);box-shadow:0 8px 24px rgba(0,0,0,.25);}
.path-num{font-family:var(--serif);font-size:2.5rem;font-weight:400;color:var(--gold);
  opacity:.45;line-height:1;margin-bottom:.5rem;}
.path-title{font-size:1.05rem;font-weight:700;color:#fff;margin-bottom:.5rem;}
.path-desc{font-size:1rem;color:rgba(255,255,255,.6);line-height:1.7;}
.path-tag{display:inline-block;margin-top:.75rem;font-size:.65rem;font-weight:700;
  background:rgba(201,168,76,.15);color:var(--gold2);padding:.2rem .6rem;border-radius:4px;
  letter-spacing:.04em;text-transform:uppercase;}

/* ══════════════════════════════════════════
   PACT ACT
══════════════════════════════════════════ */
.pact-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.25rem;margin-top:2.5rem;}
.pact-card{background:rgba(255,255,255,.05);border:1px solid var(--border);border-radius:12px;padding:1.75rem;
  transition:border-color .22s;}
.pact-card:hover{border-color:rgba(31,78,140,.5);}
.pact-icon{font-size:1.5rem;margin-bottom:.75rem;}
.pact-title{font-size:.95rem;font-weight:700;color:#fff;margin-bottom:.5rem;}
.pact-desc{font-size:1rem;color:rgba(255,255,255,.6);line-height:1.7;}
.pact-era{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;
  background:rgba(31,78,140,.2);color:#a8c4e8;border:1px solid rgba(31,78,140,.35);
  padding:.15rem .55rem;border-radius:4px;margin-bottom:.65rem;}
.pact-callout{background:linear-gradient(135deg,rgba(31,78,140,.12),rgba(31,78,140,.04));
  border:1px solid rgba(31,78,140,.3);border-radius:14px;padding:2rem;margin-top:2.5rem;}
.pact-callout h3{font-family:var(--serif);font-size:1.4rem;font-weight:400;color:var(--gold2);margin-bottom:.75rem;}
.pact-callout p{font-size:1rem;color:rgba(255,255,255,.7);line-height:1.8;}
.pact-callout a{color:var(--gold2);}
.pact-callout a:hover{text-decoration:underline;}

/* ══════════════════════════════════════════
   BENEFITS STACK
══════════════════════════════════════════ */
.benefits-list{display:flex;flex-direction:column;gap:.75rem;margin-top:2rem;}
.benefit-row{display:flex;align-items:flex-start;gap:1rem;background:var(--surface);
  border:1px solid var(--border);border-radius:10px;padding:1.25rem;transition:all .2s;}
.benefit-row:hover{border-color:var(--steel);box-shadow:0 4px 16px rgba(0,0,0,.06);}
.benefit-icon{font-size:1.5rem;flex-shrink:0;margin-top:.1rem;}
.benefit-text h4{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.2rem;}
.benefit-text p{font-size:1rem;color:var(--text-muted);line-height:1.65;}
.benefit-amount{margin-left:auto;flex-shrink:0;text-align:right;}
.benefit-amount strong{display:block;font-family:var(--serif);font-size:1.1rem;font-weight:400;color:var(--navy);}
.benefit-amount span{font-size:.65rem;color:var(--text-muted);text-transform:uppercase;letter-spacing:.04em;}

/* ══════════════════════════════════════════
   MENTAL HEALTH / CRISIS
══════════════════════════════════════════ */
.crisis-card{background:linear-gradient(135deg,#061422,#0B1828);border-radius:16px;padding:2.5rem;
  text-align:center;margin-bottom:3rem;border:1px solid rgba(31,78,140,.3);}
.crisis-card h3{font-family:var(--serif);font-size:1.8rem;font-weight:400;color:#fff;margin-bottom:.75rem;}
.crisis-card p{font-size:1rem;color:rgba(255,255,255,.8);line-height:1.7;margin-bottom:1.5rem;}
.crisis-nums{display:flex;flex-wrap:wrap;gap:1rem;justify-content:center;}
.crisis-num{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);border-radius:10px;
  padding:1rem 1.75rem;text-align:center;}
.crisis-num strong{display:block;font-size:1.5rem;font-weight:400;color:#fff;font-family:var(--serif);}
.crisis-num span{font-size:.72rem;color:rgba(255,255,255,.65);text-transform:uppercase;letter-spacing:.06em;}
.mh-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.25rem;margin-top:2.5rem;}
.mh-card{background:rgba(255,255,255,.05);border:1px solid rgba(31,78,140,.2);border-radius:12px;padding:1.75rem;
  transition:border-color .2s;}
.mh-card:hover{border-color:rgba(31,78,140,.5);}
.mh-icon{font-size:1.5rem;margin-bottom:.75rem;}
.mh-title{font-size:1rem;font-weight:700;color:#fff;margin-bottom:.5rem;}
.mh-desc{font-size:1rem;color:rgba(255,255,255,.6);line-height:1.7;}

/* ══════════════════════════════════════════
   STEP-BY-STEP FILING
══════════════════════════════════════════ */
.steps-list{display:flex;flex-direction:column;gap:0;margin-top:2.5rem;position:relative;}
.steps-list::before{content:'';position:absolute;left:27px;top:28px;bottom:28px;
  width:2px;background:linear-gradient(180deg,var(--gold),rgba(201,168,76,.15));}
.step-item{display:flex;gap:1.5rem;align-items:flex-start;padding:1.25rem 1.25rem 1.25rem 0;
  background:var(--surface);border:1px solid var(--border);border-radius:12px;margin-bottom:.75rem;
  position:relative;z-index:1;}
.step-num{width:56px;height:56px;border-radius:50%;background:var(--navy);color:var(--gold);
  font-family:var(--serif);font-size:1.3rem;font-weight:400;display:flex;align-items:center;justify-content:center;
  flex-shrink:0;border:3px solid var(--gold);}
.step-body h4{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.35rem;}
.step-body p{font-size:1rem;color:var(--text-muted);line-height:1.65;}
.step-tag{display:inline-block;font-size:.75rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;
  background:rgba(31,78,140,.07);color:var(--navy);padding:.15rem .55rem;border-radius:4px;margin-top:.5rem;}
.step-tag.urgent{background:var(--steel);color:#fff;}

/* ══════════════════════════════════════════
   AI LETTER BUILDER
══════════════════════════════════════════ */
.ai-card{background:linear-gradient(135deg,var(--navy) 0%,#162A4A 100%);border-radius:16px;
  padding:3rem 2.5rem;border:1px solid rgba(31,78,140,.3);margin-top:2rem;}
.ai-badge{display:inline-flex;align-items:center;gap:.4rem;
  background:rgba(31,78,140,.15);border:1px solid rgba(31,78,140,.35);
  color:#a8c4e8;font-size:.75rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;
  padding:.28rem .8rem;border-radius:980px;margin-bottom:1.25rem;}
.ai-card h2{font-family:var(--serif);font-size:clamp(1.6rem,3.5vw,2.2rem);font-weight:400;
  color:#fff;margin-bottom:.75rem;}
.ai-card p{font-size:1rem;color:rgba(255,255,255,.65);max-width:600px;line-height:1.8;margin-bottom:2rem;}
.ai-form{display:flex;flex-direction:column;gap:1rem;max-width:620px;}
.ai-form label{font-size:.875rem;font-weight:600;color:rgba(255,255,255,.7);letter-spacing:.04em;margin-bottom:.3rem;display:block;}
.ai-form input,.ai-form select,.ai-form textarea{
  width:100%;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.15);
  border-radius:8px;padding:.75rem 1rem;color:#fff;font-family:var(--sans);font-size:1rem;outline:none;
  transition:border-color .2s;}
.ai-form input::placeholder,.ai-form textarea::placeholder{color:rgba(255,255,255,.3);}
.ai-form input:focus,.ai-form select:focus,.ai-form textarea:focus{border-color:var(--gold);}
.ai-form select option{background:var(--navy);color:#fff;}
.ai-form textarea{resize:vertical;min-height:100px;}
.ai-output{display:none;background:rgba(255,255,255,.05);border:1px solid rgba(31,78,140,.25);
  border-radius:10px;padding:1.5rem;margin-top:1rem;}
.ai-output.visible{display:block;animation:fadeIn .3s ease;}
.ai-output pre{white-space:pre-wrap;font-family:var(--sans);font-size:1rem;
  color:rgba(255,255,255,.8);line-height:1.8;}
@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:none}}
.btn-action{background:var(--steel);color:#fff;padding:.75rem 1.75rem;border-radius:6px;
  font-size:1rem;font-weight:700;border:none;cursor:pointer;font-family:var(--sans);
  transition:all .2s;display:inline-flex;align-items:center;gap:.4rem;}
.btn-action:hover{background:#1a4280;transform:translateY(-1px);}

/* ══════════════════════════════════════════
   SPOUSE / DEPENDENT CHECKLIST
══════════════════════════════════════════ */
.checklist-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin-top:2rem;}
@media(max-width:600px){.checklist-grid{grid-template-columns:1fr;}}
.checklist-col h4{font-size:.875rem;font-weight:700;color:var(--navy);margin-bottom:.85rem;
  text-transform:uppercase;letter-spacing:.05em;border-bottom:2px solid var(--bronze);padding-bottom:.4rem;}
.cl-items{list-style:none;display:flex;flex-direction:column;gap:.5rem;}
.cl-items li{font-size:1rem;color:#2d3748;display:flex;align-items:flex-start;gap:.6rem;line-height:1.55;}
.cl-items li::before{content:'☐';color:var(--navy);font-size:1rem;flex-shrink:0;margin-top:-.05rem;}

/* ══════════════════════════════════════════
   SURVIVOR / DEPENDENT BENEFITS
══════════════════════════════════════════ */
.survivor-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.25rem;margin-top:2.5rem;}
.surv-card{background:rgba(255,255,255,.05);border:1px solid var(--border);border-radius:12px;padding:1.75rem;
  transition:border-color .22s;}
.surv-card:hover{border-color:rgba(31,78,140,.45);}
.surv-icon{font-size:1.5rem;margin-bottom:.75rem;}
.surv-title{font-size:1rem;font-weight:700;color:#fff;margin-bottom:.4rem;}
.surv-desc{font-size:1rem;color:rgba(255,255,255,.6);line-height:1.7;}
.surv-amount{font-size:.75rem;font-weight:700;color:var(--gold2);margin-top:.6rem;
  background:rgba(201,168,76,.1);padding:.2rem .6rem;border-radius:4px;display:inline-block;}

/* ══════════════════════════════════════════
   FREE DOWNLOADS
══════════════════════════════════════════ */
.downloads-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:1.25rem;margin-top:2.5rem;}
.dl-card{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:1.75rem;
  transition:all .22s;position:relative;overflow:hidden;}
.dl-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:var(--bronze);}
.dl-card:hover{border-color:var(--steel);transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,0,0,.08);}
.dl-icon{font-size:1.75rem;margin-bottom:.75rem;}
.dl-title{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.4rem;}
.dl-desc{font-size:1rem;color:var(--text-muted);line-height:1.65;margin-bottom:1rem;}
.dl-link{display:inline-flex;align-items:center;gap:.4rem;font-size:.875rem;font-weight:700;
  color:var(--steel);text-decoration:none;border:1.5px solid var(--steel);border-radius:6px;padding:.38rem .9rem;
  transition:all .2s;}
.dl-link:hover{background:var(--steel);color:#fff;}
.dl-free-badge{position:absolute;top:1rem;right:1rem;background:var(--gold);color:var(--navy);
  font-size:.75rem;font-weight:800;padding:.18rem .55rem;border-radius:4px;letter-spacing:.06em;text-transform:uppercase;}

/* TDIU SECTION */
.tdiu-box{background:linear-gradient(135deg,rgba(31,78,140,.08),rgba(31,78,140,.02));
  border:1px solid rgba(31,78,140,.25);border-radius:14px;padding:2rem;margin-top:2rem;}
.tdiu-box h3{font-family:var(--serif);font-size:1.3rem;font-weight:400;color:var(--navy);margin-bottom:.75rem;}
.tdiu-box p{font-size:1rem;color:#2d3748;line-height:1.8;margin-bottom:.85rem;}
.tdiu-reqs{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1rem;}
.tdiu-req{background:rgba(31,78,140,.05);border:1px solid rgba(31,78,140,.12);border-radius:8px;
  padding:.75rem 1rem;font-size:1rem;color:var(--navy);font-weight:500;flex:1;min-width:180px;}
.tdiu-req strong{display:block;font-size:.875rem;font-weight:700;color:var(--steel);margin-bottom:.2rem;}

/* VA HOME LOAN */
.loan-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:1.25rem;margin-top:2rem;}
.loan-card{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:1.5rem;
  border-top:3px solid var(--steel);transition:all .2s;}
.loan-card:hover{box-shadow:0 6px 20px rgba(0,0,0,.08);}
.loan-card h4{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.4rem;}
.loan-card p{font-size:1rem;color:var(--text-muted);line-height:1.65;}

/* EDUCATION BENEFITS */
.edu-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:1.25rem;margin-top:2rem;}
.edu-card{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:1.5rem;
  border-top:3px solid var(--steel);transition:all .2s;}
.edu-card:hover{box-shadow:0 6px 20px rgba(0,0,0,.08);}
.edu-card h4{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.4rem;}
.edu-card p{font-size:1rem;color:var(--text-muted);line-height:1.65;}
.edu-amount{font-size:.875rem;font-weight:700;color:var(--bronze);margin-top:.5rem;}

/* PRIVACY NOTICE */
.privacy-notice{background:var(--navy);border-top:3px solid var(--steel);padding:2rem;
  text-align:center;font-size:.875rem;color:rgba(255,255,255,.55);line-height:1.8;}
.privacy-notice strong{color:rgba(255,255,255,.8);}
.privacy-notice a{color:var(--gold2);text-decoration:none;}
.privacy-notice a:hover{text-decoration:underline;}
.lock-icon{display:inline-flex;align-items:center;gap:.4rem;
  background:rgba(31,78,140,.15);border:1px solid rgba(31,78,140,.35);
  color:#a8c4e8;font-size:.875rem;font-weight:700;padding:.28rem .75rem;
  border-radius:980px;margin-bottom:.75rem;letter-spacing:.04em;}

/* FOOTER */
footer{background:var(--navy);color:rgba(255,255,255,.45);padding:3rem 2rem 2rem;text-align:center;
  border-top:1px solid rgba(255,255,255,.06);}
footer a{color:rgba(255,255,255,.45);text-decoration:none;transition:color .2s;}
footer a:hover{color:var(--gold);}
.footer-links{display:flex;flex-wrap:wrap;gap:1.25rem;justify-content:center;margin-bottom:1.5rem;}
.footer-links a{font-size:.78rem;}
.footer-copy{font-size:.72rem;color:rgba(255,255,255,.28);}
.footer-disclaimer{font-size:.7rem;color:rgba(255,255,255,.3);max-width:700px;margin:1rem auto 0;line-height:1.7;}

/* DIVIDER */
.divider{border:none;border-top:1px solid rgba(0,0,0,.08);margin:0;}
.divider-light{border-color:rgba(255,255,255,.08);}

/* CTA BAND */
.cta-band{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);
  padding:4rem 2rem;text-align:center;color:#fff;}
.cta-band h2{font-family:var(--serif);font-size:clamp(1.8rem,4vw,2.8rem);font-weight:400;margin-bottom:.75rem;}
.cta-band p{font-size:1rem;color:rgba(255,255,255,.8);max-width:580px;margin:0 auto 2rem;line-height:1.75;}

/* RESPONSIVE */
@media(max-width:640px){
  .section{padding:3.5rem 1.25rem;}
  .situation-section{padding:3rem 1.25rem;}
  .hero{padding:6rem 1.25rem 4rem;}
  .sit-grid{grid-template-columns:repeat(2,1fr);}
  .steps-list::before{display:none;}
  .step-item{flex-direction:column;gap:.75rem;}
  .ai-card{padding:2rem 1.25rem;}
  .hero-stats{gap:1.25rem;}
}

/* ══════════════════════════════════════════
   #1 RULE CALLOUT
══════════════════════════════════════════ */
.rule-section{background:#071220;padding:4rem 2rem;}
.rule-callout{background:linear-gradient(135deg,rgba(31,78,140,.08),rgba(31,78,140,.02));
  border-left:5px solid var(--steel);border-radius:0 14px 14px 0;
  padding:2.5rem 2.5rem 2.5rem 3rem;position:relative;overflow:hidden;}
.rule-callout::after{content:'';position:absolute;top:-40px;right:-40px;width:220px;height:220px;
  background:radial-gradient(circle,rgba(31,78,140,.12),transparent 70%);pointer-events:none;}
.rule-label{font-size:.75rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;
  color:var(--gold);display:inline-flex;align-items:center;gap:.5rem;margin-bottom:1rem;}
.rule-label::before{content:'';width:16px;height:2px;background:var(--gold);border-radius:1px;}
.rule-headline{font-family:var(--serif);font-size:clamp(1.8rem,4vw,2.8rem);font-weight:400;
  color:var(--gold2);line-height:1.1;margin-bottom:1.25rem;}
.rule-body{font-size:1rem;color:rgba(255,255,255,.78);line-height:1.9;max-width:720px;}
.rule-body strong{color:#fff;}
.rule-body p+p{margin-top:.85rem;}
.rule-cards{display:flex;flex-wrap:wrap;gap:1rem;margin-top:1.75rem;}
.rule-card{flex:1;min-width:200px;border-radius:10px;padding:1rem 1.25rem;}
.rule-card-good{background:rgba(31,78,140,.1);border:1px solid rgba(31,78,140,.3);}
.rule-card-bad{background:rgba(31,78,140,.05);border:1px solid rgba(31,78,140,.2);}
.rule-card-label{font-size:.75rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;margin-bottom:.4rem;}
.rule-card-good .rule-card-label{color:var(--gold2);}
.rule-card-bad .rule-card-label{color:#a8c4e8;}
.rule-card p{font-size:1rem;color:rgba(255,255,255,.7);line-height:1.65;}

/* ══════════════════════════════════════════
   Q&A ACCORDION
══════════════════════════════════════════ */
.qa-section{padding:5rem 2rem;background:var(--surface);}
.qa-group{margin-bottom:2.75rem;}
.qa-group-title{font-size:.75rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;
  color:var(--navy2);margin-bottom:1.25rem;display:flex;align-items:center;gap:.6rem;}
.qa-group-title::before{content:'';width:16px;height:2px;background:var(--steel);border-radius:1px;flex-shrink:0;}
.qa-item{border:1px solid var(--border);border-radius:10px;margin-bottom:.55rem;
  overflow:hidden;background:var(--surface);transition:box-shadow .2s;}
.qa-item:hover{box-shadow:0 4px 16px rgba(0,0,0,.07);}
.qa-q{width:100%;background:none;border:none;padding:1.1rem 1.25rem;text-align:left;
  font-family:var(--sans);font-size:1rem;font-weight:600;color:var(--navy);cursor:pointer;
  display:flex;align-items:center;justify-content:space-between;gap:1rem;line-height:1.45;}
.qa-q:hover{color:var(--steel);}
.qa-icon{font-size:1.1rem;flex-shrink:0;transition:transform .25s;color:var(--steel);font-weight:300;line-height:1;}
.qa-q[aria-expanded="true"] .qa-icon{transform:rotate(45deg);}
.qa-a{display:none;padding:0 1.25rem 1.25rem;font-size:1rem;color:#2d3748;line-height:1.85;animation:fadeIn .2s ease;}
.qa-a p+p{margin-top:.7rem;}
.qa-a ul{margin:.6rem 0 .6rem 1.25rem;display:flex;flex-direction:column;gap:.4rem;}
.qa-a li{line-height:1.65;}
.qa-highlight{background:linear-gradient(135deg,rgba(31,78,140,.07),rgba(31,78,140,.02));
  border:1px solid rgba(31,78,140,.2);border-radius:8px;padding:.85rem 1rem;margin-top:.75rem;
  font-size:1rem;color:var(--navy);font-weight:500;}
.qa-warn{background:rgba(139,112,64,.06);border-left:3px solid var(--bronze);
  border-radius:0 8px 8px 0;padding:.75rem 1rem;margin-top:.75rem;font-size:1rem;color:#2d3748;}
.qa-action{display:inline-flex;align-items:center;gap:.4rem;margin-top:.85rem;
  background:var(--navy);color:var(--gold);padding:.5rem 1.1rem;border-radius:6px;
  font-size:.875rem;font-weight:700;text-decoration:none;transition:background .2s;}
.qa-action:hover{background:var(--navy2);}

/* ══════════════════════════════════════════
   PROPERTY TAX TABLE
══════════════════════════════════════════ */
.proptax-section{padding:5rem 2rem;background:var(--bg);}
.proptax-wrap{overflow-x:auto;margin-top:1.75rem;}
.proptax-table{width:100%;border-collapse:collapse;font-size:1rem;min-width:480px;}
.proptax-table thead tr{background:var(--navy);color:var(--gold);}
.proptax-table th{padding:.65rem 1rem;text-align:left;font-weight:700;font-size:.875rem;
  letter-spacing:.04em;text-transform:uppercase;}
.proptax-table tbody tr{border-bottom:1px solid rgba(0,0,0,.07);}
.proptax-table tbody tr:nth-child(even){background:rgba(31,78,140,.03);}
.proptax-table td{padding:.6rem 1rem;color:var(--text);line-height:1.5;vertical-align:top;}
.pt-badge{display:inline-block;padding:.12rem .55rem;border-radius:4px;
  font-size:.75rem;font-weight:700;letter-spacing:.03em;white-space:nowrap;}
.pt-full{background:rgba(31,78,140,.1);color:var(--steel);font-weight:600;}
.pt-partial{background:rgba(139,112,64,.1);color:var(--bronze);}
.pt-income{background:#e0f2fe;color:#075985;}

/* ══════════════════════════════════════════
   CLAIM STATUS SECTION
══════════════════════════════════════════ */
.claim-status-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.25rem;margin-top:2.5rem;}
.cs-card{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:1.75rem;
  position:relative;overflow:hidden;transition:all .22s;}
.cs-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:var(--steel);}
.cs-card:hover{border-color:var(--steel);box-shadow:0 6px 20px rgba(0,0,0,.08);}
.cs-num{width:36px;height:36px;border-radius:50%;background:var(--steel);color:#fff;
  font-weight:800;font-size:.9rem;display:flex;align-items:center;justify-content:center;
  margin-bottom:.85rem;font-family:var(--serif);}
.cs-title{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.35rem;}
.cs-desc{font-size:1rem;color:var(--text-muted);line-height:1.65;}
.cs-link{display:inline-flex;align-items:center;gap:.35rem;margin-top:.75rem;font-size:.875rem;
  font-weight:700;color:var(--steel);text-decoration:none;}
.cs-link:hover{text-decoration:underline;}

/* ══════════════════════════════════════════
   ELIGIBILITY TOOL
══════════════════════════════════════════ */
.elig-tool{background:linear-gradient(135deg,var(--navy),#162A4A);border-radius:16px;
  padding:2.5rem;border:1px solid rgba(31,78,140,.25);margin-top:2.5rem;max-width:720px;}
.elig-step{display:none;}
.elig-step.active{display:block;animation:fadeIn .25s ease;}
.elig-q{font-size:1.05rem;font-weight:700;color:#fff;margin-bottom:1.25rem;line-height:1.5;}
.elig-options{display:flex;flex-direction:column;gap:.65rem;}
.elig-btn{background:rgba(255,255,255,.06);border:1.5px solid rgba(255,255,255,.15);border-radius:8px;
  padding:.85rem 1.25rem;text-align:left;color:rgba(255,255,255,.85);font-family:var(--sans);
  font-size:1rem;cursor:pointer;transition:all .2s;}
.elig-btn:hover{border-color:var(--steel);background:rgba(31,78,140,.15);color:#fff;}
.elig-btn.selected{border-color:var(--steel);background:rgba(31,78,140,.2);color:var(--gold2);}
.elig-progress{display:flex;gap:.4rem;margin-bottom:1.75rem;}
.elig-dot{width:8px;height:8px;border-radius:50%;background:rgba(255,255,255,.2);transition:background .3s;}
.elig-dot.filled{background:var(--gold);}
.elig-result{display:none;animation:fadeIn .3s ease;}
.elig-result.visible{display:block;}
.elig-result-box{background:rgba(31,78,140,.08);border:1px solid rgba(31,78,140,.28);
  border-radius:12px;padding:2rem;margin-top:.5rem;}
.elig-result-box h3{font-family:var(--serif);font-size:1.3rem;font-weight:400;color:var(--gold2);margin-bottom:1rem;}
.elig-rec-list{list-style:none;display:flex;flex-direction:column;gap:.6rem;}
.elig-rec-list li{font-size:1rem;color:rgba(255,255,255,.82);display:flex;gap:.65rem;
  align-items:flex-start;line-height:1.55;}
.elig-rec-list li::before{content:'→';color:var(--gold);flex-shrink:0;font-weight:700;}
.elig-restart{background:none;border:1.5px solid rgba(255,255,255,.2);color:rgba(255,255,255,.6);
  font-family:var(--sans);font-size:.78rem;padding:.45rem .9rem;border-radius:6px;cursor:pointer;
  margin-top:1.25rem;transition:all .2s;}
.elig-restart:hover{border-color:var(--gold);color:var(--gold);}

/* ══════════════════════════════════════════
   VIDEO SECTION
══════════════════════════════════════════ */
.video-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:1.5rem;margin-top:2.5rem;}
.video-card{background:var(--surface);border:1px solid var(--border);border-radius:12px;overflow:hidden;
  transition:all .22s;}
.video-card:hover{box-shadow:0 8px 24px rgba(0,0,0,.1);transform:translateY(-2px);}
.video-embed{position:relative;padding-bottom:56.25%;height:0;overflow:hidden;background:#0d1b2a;}
.video-embed iframe{position:absolute;top:0;left:0;width:100%;height:100%;border:0;}
.video-meta{padding:1.25rem;}
.video-label{font-size:.75rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;
  color:var(--steel);margin-bottom:.35rem;}
.video-title{font-size:1rem;font-weight:700;color:var(--navy);line-height:1.4;margin-bottom:.35rem;}
.video-desc{font-size:.875rem;color:var(--text-muted);line-height:1.6;}

/* ══════════════════════════════════════════
   FLORIDA BENEFITS
══════════════════════════════════════════ */
.fl-hero{background:linear-gradient(135deg,rgba(0,48,135,.15),rgba(201,168,76,.06));
  border:1px solid rgba(201,168,76,.2);border-radius:14px;padding:2rem;
  display:flex;align-items:flex-start;gap:1.25rem;margin-top:2.5rem;margin-bottom:2rem;}
.fl-flag{font-size:3rem;flex-shrink:0;}
.fl-hero-text h3{font-family:var(--serif);font-size:1.3rem;font-weight:400;color:var(--navy);margin-bottom:.35rem;}
.fl-hero-text p{font-size:1rem;color:var(--text-muted);line-height:1.7;}
.fl-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.25rem;}
.fl-card{background:var(--surface);border:1px solid var(--border);border-radius:12px;padding:1.5rem;
  border-top:3px solid var(--steel);transition:all .2s;}
.fl-card:hover{box-shadow:0 6px 20px rgba(0,0,0,.08);border-top-color:var(--gold);}
.fl-card-icon{font-size:1.5rem;margin-bottom:.65rem;}
.fl-card-title{font-size:1rem;font-weight:700;color:var(--navy);margin-bottom:.35rem;}
.fl-card-desc{font-size:1rem;color:var(--text-muted);line-height:1.65;margin-bottom:.65rem;}
.fl-card-link{font-size:.875rem;font-weight:700;color:var(--steel);text-decoration:none;}
.fl-card-link:hover{text-decoration:underline;color:#1a4280;}
.fl-contact-box{background:var(--navy);border-radius:10px;padding:1.25rem 1.5rem;
  display:flex;flex-wrap:wrap;align-items:center;gap:1rem;justify-content:space-between;margin-top:2rem;}
.fl-contact-box div{color:rgba(255,255,255,.85);font-size:1rem;}
.fl-contact-box strong{color:#fff;display:block;margin-bottom:.15rem;}
.fl-contact-box a{color:var(--gold2);font-weight:700;text-decoration:none;}
.fl-contact-box a:hover{text-decoration:underline;}

/* ══════════════════════════════════════════
   VETERAN BUSINESS CENTER
══════════════════════════════════════════ */
.biz-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:1.25rem;margin-top:2.5rem;}
.biz-card{background:rgba(255,255,255,.05);border:1px solid rgba(201,168,76,.15);border-radius:12px;padding:1.75rem;
  transition:border-color .22s;}
.biz-card:hover{border-color:rgba(201,168,76,.45);}
.biz-icon{font-size:1.5rem;margin-bottom:.75rem;}
.biz-title{font-size:.95rem;font-weight:700;color:#fff;margin-bottom:.4rem;}
.biz-desc{font-size:.82rem;color:rgba(255,255,255,.6);line-height:1.7;}
.biz-link{display:inline-flex;align-items:center;gap:.35rem;margin-top:.75rem;font-size:.75rem;
  font-weight:700;color:var(--gold2);text-decoration:none;}
.biz-link:hover{text-decoration:underline;}

/* ══════════════════════════════════════════
   AI Q&A SELF-HELP TOOL
══════════════════════════════════════════ */
.va-qa-tool{background:linear-gradient(135deg,var(--navy),#0d2440);border:1px solid rgba(201,168,76,.2);
  border-radius:16px;padding:2.5rem;margin-top:2.5rem;}
.va-qa-tool textarea{width:100%;background:rgba(255,255,255,.07);border:1.5px solid rgba(255,255,255,.15);
  border-radius:8px;padding:.85rem 1rem;color:#fff;font-family:var(--sans);font-size:.9rem;
  resize:vertical;min-height:80px;outline:none;transition:border-color .2s;}
.va-qa-tool textarea::placeholder{color:rgba(255,255,255,.35);}
.va-qa-tool textarea:focus{border-color:var(--gold);}
.va-qa-result{margin-top:1.25rem;display:none;}
.va-qa-result.visible{display:block;animation:fadeIn .25s ease;}
.va-qa-result-inner{background:rgba(255,255,255,.05);border:1px solid rgba(201,168,76,.2);
  border-radius:10px;padding:1.5rem;}
.va-qa-result-inner h4{font-size:.9rem;font-weight:700;color:var(--gold2);margin-bottom:.85rem;}
.va-qa-link-list{list-style:none;display:flex;flex-direction:column;gap:.55rem;}
.va-qa-link-list li a{font-size:.85rem;color:rgba(255,255,255,.8);text-decoration:none;
  display:flex;align-items:center;gap:.5rem;}
.va-qa-link-list li a::before{content:'→';color:var(--gold);flex-shrink:0;}
.va-qa-link-list li a:hover{color:var(--gold2);}