/* Amit Bhatnagar Mortgages, homepage */
:root {
  --green: #0C4A3A;
  --green-deep: #083326;
  --green-ink: #05241B;
  --green-2: #135C49;
  --sun: #FFC93C;
  --sun-deep: #F2B10F;
  --mint: #E8F2EC;
  --white: #FFFFFF;
  --ink: #0E1A16;
  --muted: #4E5F57;
  --line: #D3E2D9;
  --on-green: #CFE3D8;

  --font: "Archivo", system-ui, -apple-system, "Segoe UI", sans-serif;
  --wide: 125%;
  --semi: 110%;

  --s-1: .875rem;
  --s0: 1.0625rem;
  --s1: 1.25rem;
  --s2: clamp(1.4rem, 1.2rem + .8vw, 1.75rem);
  --s3: clamp(2rem, 1.4rem + 2.4vw, 3rem);
  --s4: clamp(2.4rem, 1.4rem + 3.6vw, 4.4rem);

  --wrap: 1220px;
  --r: 16px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; -webkit-text-size-adjust: 100%; }
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } *, *::before, *::after { transition: none !important; animation: none !important; } }
body { margin: 0; background: var(--white); color: var(--ink); font: 400 var(--s0)/1.6 var(--font); -webkit-font-smoothing: antialiased; }
img { max-width: 100%; height: auto; display: block; }
a { color: var(--green-2); text-underline-offset: 3px; }
h1, h2, h3 { margin: 0; line-height: 1.05; font-weight: 800; letter-spacing: -0.02em; }
p { margin: 0 0 1em; }
[hidden] { display: none !important; }
fieldset { border: 0; margin: 0; padding: 0; min-width: 0; }
:focus-visible { outline: 3px solid var(--green); outline-offset: 3px; border-radius: 6px; }
.hero :focus-visible, .section-dark :focus-visible, .final :focus-visible, .footer :focus-visible, .status :focus-visible, .nav :focus-visible, .renewal :focus-visible { outline-color: var(--sun); }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 24px; }
.sr { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.skip { position: absolute; left: -999px; top: 8px; z-index: 100; background: var(--ink); color: #fff; padding: 8px 14px; }
.skip:focus { left: 8px; }
.h2 { font-size: var(--s3); font-stretch: var(--wide); max-width: 20ch; margin-bottom: 44px; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; padding: 13px 22px; border-radius: 10px; border: 2px solid transparent; font: 700 1rem/1.2 var(--font); text-decoration: none; cursor: pointer; transition: background .15s, color .15s, border-color .15s, transform .15s; }
.btn:active { transform: translateY(1px); }
.btn-sm { padding: 9px 16px; font-size: .9375rem; }
.btn-lg { padding: 17px 28px; font-size: 1.0625rem; }
.btn-block { width: 100%; }
.btn-sun { background: var(--sun); color: var(--ink); }
.btn-sun:hover { background: var(--sun-deep); }
.btn-green { background: var(--green); color: #fff; }
.btn-green:hover { background: var(--green-ink); }
.btn-outline-light { border-color: rgba(255,255,255,.5); color: #fff; background: transparent; }
.btn-outline-light:hover { border-color: #fff; background: rgba(255,255,255,.08); }

/* Status bar */
.status { background: var(--green-ink); color: var(--on-green); font-size: var(--s-1); }
.status-in { display: flex; justify-content: space-between; align-items: center; gap: 12px; min-height: 38px; }
.status-msg { margin: 0; display: flex; align-items: center; gap: 10px; }
.dot { width: 9px; height: 9px; border-radius: 50%; background: #7C8A84; flex: none; }
.dot.on { background: #3BE07F; box-shadow: 0 0 0 0 rgba(59,224,127,.6); animation: pulse 2s infinite; }
@keyframes pulse { 70% { box-shadow: 0 0 0 8px rgba(59,224,127,0); } 100% { box-shadow: 0 0 0 0 rgba(59,224,127,0); } }
.status-call { color: #fff; font-weight: 700; text-decoration: none; white-space: nowrap; }

/* Nav */
.nav { position: sticky; top: 0; z-index: 50; background: var(--green); border-bottom: 1px solid rgba(255,255,255,.08); }
.nav-in { display: flex; align-items: center; justify-content: space-between; gap: 24px; min-height: 72px; }
.wordmark { text-decoration: none; color: #fff; display: flex; flex-direction: column; line-height: 1; }
.wm-name { font-weight: 800; font-stretch: var(--wide); font-size: 1.25rem; letter-spacing: -0.02em; }
.wm-sub { font-size: .8125rem; color: var(--sun); font-weight: 600; margin-top: 4px; letter-spacing: .02em; }
.menu { display: flex; gap: 28px; }
.menu a { color: #fff; text-decoration: none; font-weight: 500; font-size: .975rem; opacity: .9; }
.menu a:hover { opacity: 1; text-decoration: underline; text-decoration-color: var(--sun); text-decoration-thickness: 2px; }
.nav-cta { display: flex; gap: 10px; align-items: center; }
.menu-btn { display: none; background: none; border: 1.5px solid rgba(255,255,255,.5); color: #fff; border-radius: 10px; padding: 8px 14px; font: 600 .9375rem var(--font); cursor: pointer; }

/* Hero */
.hero { background: var(--green); color: #fff; padding: 64px 0 96px; position: relative; overflow: hidden; }
.hero-in { display: grid; grid-template-columns: 1.15fr .85fr; gap: 64px; align-items: start; position: relative; }
.hero-where { color: var(--sun); font-weight: 600; margin-bottom: 20px; }
.hero h1 { font-size: var(--s4); font-stretch: var(--wide); letter-spacing: -0.035em; line-height: 1.02; margin-bottom: 26px; max-width: 15ch; }
.lede { font-size: var(--s1); line-height: 1.55; color: var(--on-green); max-width: 52ch; margin-bottom: 36px; }

.call-block { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 20px; margin-bottom: 36px; }
.call-big { display: inline-flex; flex-direction: column; background: var(--sun); color: var(--ink); text-decoration: none; padding: 14px 26px 16px; border-radius: 14px; box-shadow: 0 14px 30px -14px rgba(0,0,0,.55); transition: transform .15s, background .15s; }
.call-big:hover { background: var(--sun-deep); transform: translateY(-2px); }
.call-label { font-weight: 600; font-size: .875rem; }
.call-num { font-weight: 900; font-stretch: var(--semi); font-size: clamp(1.6rem, 1.2rem + 1.4vw, 2.1rem); letter-spacing: -0.02em; line-height: 1.1; }

.hero-proof { list-style: none; padding: 0; margin: 0; display: flex; flex-wrap: wrap; gap: 10px; }
.hero-proof li { border: 1px solid rgba(255,255,255,.22); border-radius: 999px; padding: 7px 14px; font-weight: 600; font-size: .9375rem; }
.hero-proof a { color: #fff; text-decoration: none; }
.stars { color: var(--sun); letter-spacing: 1px; margin-right: 4px; }

/* Hero form with Amit peeking over it */
.hero-form { position: relative; padding-top: 210px; scroll-margin-top: 90px; }
.amit-peek { position: absolute; top: 0; left: 50%; transform: translateX(-50%); width: 300px; z-index: 1; filter: drop-shadow(0 18px 24px rgba(0,0,0,.35)); }
.qf { position: relative; z-index: 2; background: #fff; color: var(--ink); border-radius: 22px; padding: 28px 28px 24px; box-shadow: 0 40px 70px -30px rgba(0,0,0,.6); }
.qf-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-bottom: 18px; }
.qf-title { font-weight: 800; font-stretch: var(--semi); font-size: 1.375rem; letter-spacing: -0.02em; margin: 0; line-height: 1.15; }
.qf-step { margin: 0; font-size: .8125rem; color: var(--muted); font-weight: 600; white-space: nowrap; }
.qf legend { font-weight: 600; margin-bottom: 12px; padding: 0; }
.tiles { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.tile { position: relative; cursor: pointer; }
.tile input { position: absolute; opacity: 0; inset: 0; }
.tile span { display: flex; align-items: center; min-height: 56px; padding: 12px 16px; border: 1.5px solid var(--line); border-radius: 12px; font-weight: 600; transition: border-color .15s, background .15s; }
.tile:hover span { border-color: var(--green-2); background: var(--mint); }
.tile input:focus-visible + span { outline: 3px solid var(--sun); outline-offset: 2px; }
.tile input:checked + span { border-color: var(--green); background: var(--green); color: #fff; }
.qf-pane[data-pane="2"] { display: grid; gap: 14px; }
.qf-pane[hidden] { display: none; }
.qf-back { justify-self: start; background: var(--mint); border: 0; border-radius: 999px; padding: 6px 14px; font: 600 .875rem var(--font); color: var(--green); cursor: pointer; }
.qf-fine { font-size: .8125rem; color: var(--muted); text-align: center; margin: 0; }
.qf-done { text-align: left; }
.qf-done .qf-title { margin-bottom: 10px; color: var(--green); }

.field { display: grid; gap: 6px; font-weight: 600; font-size: .9375rem; }
.field > span { display: flex; justify-content: space-between; gap: 8px; }
.field em { font-style: normal; font-weight: 500; color: var(--muted); }
.field output { color: var(--green-2); font-weight: 800; }
.field input:not([type=range]), .field select {
  width: 100%; font: 500 1.0625rem var(--font); color: var(--ink); background: #fff;
  border: 1.5px solid var(--line); border-radius: 10px; padding: 13px 14px; min-height: 50px;
}
.field input:focus, .field select:focus { border-color: var(--green); outline: none; box-shadow: 0 0 0 3px rgba(19,92,73,.2); }
.field.invalid input { border-color: #B3261E; }
.hp { position: absolute; left: -9999px; }
.form-status { margin: 10px 0 0; font-weight: 600; font-size: .9375rem; }
.form-status:empty { display: none; }
.form-status.err { color: #B3261E; }

/* Proof band */
.band { background: var(--sun); }
.band-in { display: grid; grid-template-columns: repeat(4, 1fr); }
.band-in div { padding: 30px 24px 30px 0; display: grid; gap: 4px; }
.band-in div + div { padding-left: 24px; border-left: 1.5px solid rgba(14,26,22,.18); }
.band strong { font-weight: 900; font-stretch: var(--wide); font-size: clamp(1.6rem, 1rem + 2vw, 2.6rem); white-space: nowrap; letter-spacing: -0.03em; line-height: 1; }
.band span { font-weight: 500; font-size: .9375rem; max-width: 22ch; }

/* Sections */
.section { padding: 104px 0; }
.section-mint { background: var(--mint); }
.section-dark { background: var(--green-ink); color: #fff; }

.why { display: grid; grid-template-columns: repeat(3, 1fr); gap: 48px; }
.why article { border-top: 4px solid var(--green); padding-top: 24px; }
.why h3 { font-size: var(--s2); font-stretch: var(--semi); line-height: 1.12; margin-bottom: 16px; }
.why p { color: var(--muted); margin: 0; }

/* Renewal tool */
.renewal { background: var(--green); color: #fff; padding: 104px 0; }
.renewal-head { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; align-items: end; margin-bottom: 44px; }
.renewal-head .h2 { margin: 0; }
.renewal-head p { color: var(--on-green); margin: 0; max-width: 56ch; }
.renewal-tool { background: var(--green-deep); border-radius: 24px; padding: 32px 36px 36px; }
.renewal-inputs { display: flex; flex-wrap: wrap; gap: 14px; }
.renewal-inputs label { display: grid; gap: 6px; font-size: var(--s-1); color: var(--on-green); font-weight: 500; }
.renewal-inputs select {
  appearance: none; min-width: 160px; cursor: pointer; color: #fff; border: 1px solid #2D6B58; border-radius: 10px;
  font: 700 1.125rem var(--font); padding: 12px 42px 12px 16px;
  background: var(--green-ink) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8'%3E%3Cpath d='M1 1l5 5 5-5' stroke='%23FFC93C' stroke-width='2' fill='none'/%3E%3C/svg%3E") no-repeat right 14px center;
}
.track { position: relative; height: 90px; margin: 44px 10px 6px; }
.track-line { position: absolute; left: 0; right: 0; top: 44px; height: 4px; background: #2D6B58; border-radius: 4px; }
.track-window { position: absolute; top: 38px; height: 16px; background: var(--sun); border-radius: 999px; transition: left .5s cubic-bezier(.2,.8,.2,1), width .5s cubic-bezier(.2,.8,.2,1); }
.track-pin { position: absolute; top: 0; transform: translateX(-50%); display: flex; flex-direction: column; align-items: center; transition: left .5s cubic-bezier(.2,.8,.2,1); }
.track-pin span { font-size: .8125rem; font-weight: 600; white-space: nowrap; color: var(--on-green); }
.track-pin::after { content: ""; width: 14px; height: 14px; border-radius: 50%; margin-top: 12px; background: #fff; border: 3px solid var(--green-deep); box-sizing: content-box; }
.pin-open::after { background: var(--sun); }
.pin-renew::after { background: #3BE07F; }
.renewal-result { display: grid; grid-template-columns: auto 1fr auto; gap: 8px 32px; align-items: center; margin-top: 26px; padding-top: 26px; border-top: 1px solid #2D6B58; }
.rn-big { font-weight: 900; font-stretch: var(--wide); font-size: var(--s4); line-height: 1; letter-spacing: -0.04em; color: var(--sun); margin: 0; white-space: nowrap; }
.rn-msg { margin: 0; color: #E3EFE8; max-width: 52ch; }

/* Services */
.svc { list-style: none; padding: 0; margin: 0; display: grid; grid-template-columns: repeat(3, 1fr); border-top: 2px solid var(--ink); }
.svc li { padding: 30px 32px 34px 0; border-bottom: 1px solid var(--line); display: grid; align-content: start; gap: 10px; }
.svc li:not(:nth-child(3n+1)) { padding-left: 32px; border-left: 1px solid var(--line); }
.svc h3 { font-size: var(--s2); font-stretch: var(--semi); }
.svc p { margin: 0; color: var(--muted); }
.svc a { font-weight: 700; color: var(--green); text-decoration: underline; text-decoration-color: var(--sun); text-decoration-thickness: 3px; text-underline-offset: 6px; justify-self: start; margin-top: 6px; }
.svc a:hover { text-decoration-color: var(--green); }

/* Bank vs */
.vs-wrap { overflow-x: auto; }
.vs { width: 100%; min-width: 560px; border-collapse: collapse; }
.vs th, .vs td { text-align: left; padding: 18px 20px 18px 0; border-bottom: 1px solid #1E4A3D; vertical-align: top; }
.vs thead th { font-size: var(--s1); font-weight: 800; font-stretch: var(--semi); border-bottom: 2px solid #fff; padding-bottom: 14px; }
.vs thead th:last-child { color: var(--sun); }
.vs tbody th { color: var(--on-green); font-weight: 600; width: 30%; }
.vs td:nth-child(2) { color: #8FA99C; width: 26%; }
.vs td:last-child { font-weight: 700; }

/* Steps */
.steps { list-style: none; padding: 0; margin: 0; counter-reset: s; display: grid; grid-template-columns: repeat(4, 1fr); gap: 32px; }
.steps li { counter-increment: s; position: relative; padding-top: 70px; }
.steps li::before { content: counter(s); position: absolute; top: 0; left: 0; width: 48px; height: 48px; border-radius: 12px; background: var(--sun); color: var(--ink); display: grid; place-items: center; font-weight: 900; font-size: 1.25rem; }
.steps li:not(:last-child)::after { content: ""; position: absolute; top: 23px; left: 62px; right: -18px; height: 2px; background: var(--line); }
.steps h3 { font-size: var(--s1); font-stretch: var(--semi); margin-bottom: 10px; }
.steps p { color: var(--muted); margin: 0; }

/* Calculator */
.calc-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 64px; align-items: start; }
.calc-intro .h2 { margin-bottom: 20px; }
.calc-intro p { color: var(--muted); max-width: 44ch; }
.calc-intro a { font-weight: 700; }
.calc { background: #fff; border-radius: 22px; padding: 32px; display: grid; gap: 20px; box-shadow: 0 24px 50px -36px rgba(8,51,38,.5); }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.money, .pct { position: relative; }
.money::before { content: "$"; position: absolute; left: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.money input { padding-left: 28px !important; }
.pct::after { content: "%"; position: absolute; right: 14px; top: 50%; transform: translateY(-50%); color: var(--muted); font-weight: 600; }
.hint { font-weight: 500; color: var(--muted); min-height: 1.2em; }
.hint.warn { color: #A4400F; }
input[type=range] { width: 100%; accent-color: var(--green); height: 28px; }
.calc-out { background: var(--green); color: #fff; border-radius: 14px; padding: 24px 26px; display: grid; grid-template-columns: auto 1fr; gap: 24px; align-items: center; }
.co-label { display: block; font-size: var(--s-1); color: var(--on-green); }
.co-big { font-weight: 900; font-stretch: var(--wide); font-size: var(--s3); letter-spacing: -0.03em; line-height: 1.05; }
.calc-out dl { margin: 0; display: grid; gap: 6px; justify-self: end; min-width: 220px; }
.calc-out dl div { display: flex; justify-content: space-between; gap: 16px; font-size: .9375rem; }
.calc-out dt { color: var(--on-green); }
.calc-out dd { margin: 0; font-weight: 700; }

/* About */
.about-in { display: grid; grid-template-columns: .9fr 1.1fr; gap: 72px; align-items: center; }
.about-photo { margin: 0; background: var(--sun); border-radius: 28px; padding: 40px 20px 0; overflow: hidden; }
.about-photo img { width: 100%; }
.about-copy .h2 { margin-bottom: 24px; }
.about-copy p { color: #2C3B35; max-width: 58ch; font-size: 1.125rem; }
.about-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 14px 24px; margin-top: 28px; }
.link-strong { font-weight: 700; color: var(--green); }

/* Lenders */
.lenders { padding: 0 0 88px; }
.lenders p { color: var(--muted); font-weight: 500; font-size: .9375rem; }
.lender-row { display: flex; flex-wrap: wrap; align-items: center; gap: 28px 52px; padding-top: 8px; }
.lender-row img { height: 34px; width: auto; filter: grayscale(1); opacity: .65; transition: filter .2s, opacity .2s; }
.lender-row img:hover { filter: none; opacity: 1; }

/* Areas */
.areas { display: grid; grid-template-columns: 1fr 1.2fr; gap: 64px; }
.areas .h2 { margin-bottom: 20px; }
.areas p { color: #2C3B35; max-width: 44ch; }
.area-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 32px; }
.area-cols h3 { font-size: var(--s1); font-stretch: var(--semi); padding-bottom: 12px; border-bottom: 2px solid var(--ink); margin-bottom: 6px; }
.area-cols ul { list-style: none; padding: 0; margin: 0; }
.area-cols li { padding: 9px 0; border-bottom: 1px solid #C3D6CB; font-weight: 500; }

/* FAQ */
.faq-wrap { display: grid; grid-template-columns: .8fr 1.2fr; gap: 64px; }
.faq-side { color: var(--muted); max-width: 32ch; margin-top: -20px; }
.faq-side a { font-weight: 700; }
.faq { border-top: 2px solid var(--ink); }
.faq details { border-bottom: 1px solid var(--line); }
.faq summary { list-style: none; cursor: pointer; padding: 22px 48px 22px 0; position: relative; font-weight: 700; font-size: var(--s1); line-height: 1.3; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 6px; top: 50%; transform: translateY(-50%); font-size: 1.8rem; font-weight: 400; color: var(--green); transition: transform .2s; }
.faq details[open] summary::after { transform: translateY(-50%) rotate(45deg); }
.faq details p { color: #2C3B35; max-width: 64ch; }

/* Final CTA */
.final { background: var(--green-ink); color: #fff; padding: 112px 0; text-align: center; }
.final h2 { font-size: var(--s3); font-stretch: var(--wide); margin-bottom: 20px; }
.final-num { display: inline-block; color: var(--sun); text-decoration: none; font-weight: 900; font-stretch: var(--wide); font-size: clamp(2.4rem, 1rem + 6vw, 6rem); letter-spacing: -0.04em; line-height: 1; margin-bottom: 36px; }
.final-num:hover { text-decoration: underline; text-decoration-thickness: 4px; text-underline-offset: 10px; }
.final-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 12px; }

/* Footer */
.footer { background: var(--ink); color: #AFC0B7; padding: 64px 0 40px; font-size: .9375rem; }
.foot-in { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid #2A3A33; }
.foot-mark { color: #fff; font-weight: 800; font-stretch: var(--wide); font-size: 1.25rem; margin-bottom: 8px; }
.foot-mark span { color: var(--sun); font-weight: 600; font-stretch: 100%; font-size: .9rem; }
.footer h3 { color: #fff; font-size: 1rem; margin-bottom: 10px; letter-spacing: 0; }
.footer a { color: #fff; text-decoration: none; }
.footer a:hover { text-decoration: underline; }
.legal { padding-top: 26px; font-size: .8125rem; color: #8DA096; }
.legal p { max-width: 110ch; }
.todo { background: rgba(255,201,60,.18); color: var(--sun); padding: 1px 4px; border-radius: 3px; }

.mbar { display: none; }

/* Responsive */
@media (max-width: 1080px) {
  .hero-in { grid-template-columns: 1fr; gap: 24px; }
  .hero-form { max-width: 560px; width: 100%; }
  .renewal-head, .calc-grid, .about-in, .areas, .faq-wrap { grid-template-columns: 1fr; gap: 36px; }
  .about-photo { max-width: 480px; }
  .why { grid-template-columns: 1fr; gap: 32px; }
  .steps { grid-template-columns: 1fr 1fr; gap: 44px 32px; }
  .steps li:nth-child(2)::after { display: none; }
  .svc { grid-template-columns: 1fr 1fr; }
  .svc li, .svc li:not(:nth-child(3n+1)) { padding: 28px 28px 30px 0; border-left: 0; }
  .svc li:nth-child(even) { padding-left: 28px; border-left: 1px solid var(--line); }
  .band-in { grid-template-columns: 1fr 1fr; }
  .band-in div:nth-child(3) { padding-left: 0; border-left: 0; }
  .band-in div:nth-child(n+3) { border-top: 1.5px solid rgba(14,26,22,.18); }
  .renewal-result { grid-template-columns: 1fr; }
  .renewal-result .btn { justify-self: start; }
  .foot-in { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 900px) {
  .menu-btn { display: inline-block; }
  .menu { display: none; position: absolute; top: 100%; left: 0; right: 0; flex-direction: column; gap: 0; background: var(--green); padding: 4px 24px 20px; border-bottom: 1px solid rgba(255,255,255,.1); }
  .menu.open { display: flex; }
  .menu a { padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.12); font-size: 1.0625rem; }
}
@media (max-width: 640px) {
  .wrap { padding: 0 16px; }
  body { padding-bottom: 72px; }
  .nav-cta .btn { display: none; }
  .status { font-size: .8125rem; }
  .status-in { min-height: 34px; }
  .hero { padding: 40px 0 64px; }
  .hero h1 { font-size: 2.35rem; }
  .call-block { flex-direction: column; align-items: stretch; }
  .call-big { align-items: flex-start; }
  .call-block .btn { width: 100%; }
  .hero-form { padding-top: 170px; }
  .amit-peek { width: 240px; }
  .qf { padding: 22px 18px 20px; border-radius: 18px; }
  .tile span { min-height: 52px; padding: 10px 12px; font-size: .9375rem; }
  .section, .renewal { padding: 72px 0; }
  .h2 { margin-bottom: 32px; }
  .band-in { grid-template-columns: 1fr 1fr; }
  .band-in div { padding: 22px 12px 22px 0; }
  .band-in div + div { padding-left: 12px; }
  .band-in div:nth-child(3) { padding-left: 0; }
  .renewal-tool { padding: 24px 18px; border-radius: 18px; }
  .renewal-inputs label { flex: 1; }
  .renewal-inputs select { min-width: 0; width: 100%; }
  .track-pin span { font-size: .6875rem; }
  .svc { grid-template-columns: 1fr; }
  .svc li, .svc li:nth-child(even), .svc li:not(:nth-child(3n+1)) { padding: 26px 0; border-left: 0; }
  .steps { grid-template-columns: 1fr; }
  .steps li::after { display: none; }
  .calc { padding: 22px 18px; }
  .field-row { grid-template-columns: 1fr; }
  .calc-out { grid-template-columns: 1fr; }
  .calc-out dl { justify-self: stretch; min-width: 0; }
  .final { padding: 80px 0; }
  .final-actions .btn { width: 100%; }
  .foot-in { grid-template-columns: 1fr; }
  .mbar {
    display: grid; grid-template-columns: 1.2fr 1fr 1.4fr; gap: 1px; position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
    background: var(--green-ink); box-shadow: 0 -8px 24px -12px rgba(0,0,0,.45);
    padding-bottom: env(safe-area-inset-bottom);
  }
  .mbar a { display: grid; place-items: center; min-height: 60px; color: #fff; background: var(--green); text-decoration: none; font-weight: 700; }
  .mbar .mbar-call { background: var(--sun); color: var(--ink); }
}