/* ===================================================================
 * Richard Tocado Companies — Static Rebuild
 * Apple-inspired design system. Single stylesheet, no build step.
 * =================================================================== */

/* ----------- 1. Design tokens --------------------------------------- */
:root {
  /* Brand palette: GREEN, WHITE, BLACK only. No blue, no gold. */
  --rt-ink:           #0d0d0d;        /* near-black for ink + dark surfaces */
  --rt-ink-soft:      #1a1a1a;
  --rt-muted:         #5e5e5e;        /* warm neutral gray */
  --rt-line:          #ececec;        /* neutral gray border */
  --rt-bg:            #fafafa;
  --rt-bg-alt:        #ffffff;
  --rt-card:          rgba(255,255,255,0.72);
  --rt-card-solid:    #ffffff;
  --rt-glass-stroke:  rgba(0,0,0,0.08);

  /* Brand green — pulled from the Richard Tocado logo */
  --rt-green:         #1f7a3f;
  --rt-green-700:     #155b2c;
  --rt-green-300:     #2c9a55;

  /* "Primary" + "accent" are aliased to GREEN so every existing reference
     (buttons, icons, eyebrow, focus rings, progress bars, etc.) inherits brand. */
  --rt-primary:       var(--rt-green);
  --rt-primary-700:   var(--rt-green-700);
  --rt-primary-300:   var(--rt-green-300);
  --rt-accent:        var(--rt-green);
  --rt-accent-700:    var(--rt-green-700);
  --rt-success:       var(--rt-green);
  --rt-danger:        #b3261e;

  /* Surface gradients — green/neutral, no blue or gold */
  --rt-grad-hero:     radial-gradient(1200px 600px at 10% -10%, rgba(31,122,63,0.10), transparent 60%),
                      radial-gradient(900px 500px at 90% 10%, rgba(31,122,63,0.05), transparent 55%),
                      linear-gradient(180deg, #f3f6f3 0%, #fafafa 100%);
  --rt-grad-soft:     linear-gradient(180deg, #ffffff 0%, #f6f8f6 100%);
  --rt-grad-ink:      linear-gradient(180deg, #0d0d0d 0%, #181818 100%);

  /* Type */
  --rt-font-sans: -apple-system, BlinkMacSystemFont, "SF Pro Display", "SF Pro Text",
                  "Inter", "Helvetica Neue", Helvetica, Arial, "Segoe UI", Roboto, sans-serif;
  --rt-font-display: -apple-system, BlinkMacSystemFont, "SF Pro Display", "Inter",
                     "Helvetica Neue", Helvetica, Arial, sans-serif;

  /* Sizing & rhythm */
  --rt-radius-sm: 10px;
  --rt-radius:    16px;
  --rt-radius-lg: 24px;
  --rt-radius-xl: 32px;

  --rt-shadow-1: 0 1px 2px rgba(0,0,0,0.06), 0 1px 0 rgba(0,0,0,0.04);
  --rt-shadow-2: 0 6px 24px -8px rgba(0,0,0,0.18), 0 2px 4px rgba(0,0,0,0.04);
  --rt-shadow-3: 0 24px 60px -28px rgba(0,0,0,0.32), 0 8px 16px -10px rgba(0,0,0,0.10);

  --rt-container: 1200px;
  --rt-container-wide: 1320px;
  --rt-container-narrow: 880px;

  /* Motion */
  --rt-ease: cubic-bezier(0.22, 0.61, 0.36, 1);
}

/* ----------- 2. Reset / base ---------------------------------------- */
*, *::before, *::after { box-sizing: border-box; }
html {
  -webkit-text-size-adjust: 100%;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
  scroll-behavior: smooth;
}
body {
  margin: 0;
  font-family: var(--rt-font-sans);
  font-size: 17px;
  line-height: 1.55;
  color: var(--rt-ink);
  background: var(--rt-bg);
  letter-spacing: -0.01em;
}
img, svg, video { max-width: 100%; height: auto; display: block; }
a { color: var(--rt-primary); text-decoration: none; transition: color .2s var(--rt-ease); }
a:hover { color: var(--rt-primary-700); }
button { font: inherit; cursor: pointer; }
:focus-visible {
  outline: 2px solid var(--rt-primary-300);
  outline-offset: 3px;
  border-radius: 6px;
}

/* Selection */
::selection { background: rgba(31,122,63,0.18); }

/* Skip link */
.rt-skip {
  position: absolute; left: -9999px; top: 0;
  background: var(--rt-ink); color: #fff; padding: 12px 16px;
  border-radius: 0 0 12px 0; z-index: 999;
}
.rt-skip:focus { left: 0; color: #fff; }

/* ----------- 3. Typography ------------------------------------------ */
h1, h2, h3, h4, h5 {
  font-family: var(--rt-font-display);
  color: var(--rt-ink);
  letter-spacing: -0.025em;
  margin: 0 0 .4em;
  line-height: 1.1;
  font-weight: 600;
}
h1 { font-size: clamp(2.4rem, 4.8vw, 4.2rem); font-weight: 700; letter-spacing: -0.035em; color: var(--rt-green); }
h2 { font-size: clamp(1.9rem, 3.2vw, 2.8rem); }
h3 { font-size: clamp(1.35rem, 2vw, 1.7rem); }
h4 { font-size: 1.15rem; }
p  { margin: 0 0 1em; color: var(--rt-ink-soft); }
.lead { font-size: clamp(1.1rem, 1.4vw, 1.3rem); color: var(--rt-muted); line-height: 1.55; max-width: 60ch; }
.eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.18em;
  font-size: .78rem;
  font-weight: 600;
  color: var(--rt-primary-300);
  margin: 0 0 1em;
}
.muted { color: var(--rt-muted); }
small { font-size: .85em; color: var(--rt-muted); }

/* ----------- 4. Layout primitives ----------------------------------- */
.rt-container { width: 100%; max-width: var(--rt-container); margin: 0 auto; padding: 0 24px; }
.rt-container.is-wide   { max-width: var(--rt-container-wide); }
.rt-container.is-narrow { max-width: var(--rt-container-narrow); }
.rt-section { padding: clamp(56px, 8vw, 112px) 0; }
.rt-section.is-tight { padding: clamp(40px, 6vw, 72px) 0; }
.rt-section.is-soft  { background: var(--rt-grad-soft); }
.rt-section.is-ink   { background: var(--rt-grad-ink); color: #fff; }
.rt-section.is-ink h1, .rt-section.is-ink h2, .rt-section.is-ink h3 { color: #fff !important; }
.rt-section.is-ink p { color: rgba(255,255,255,0.78); }
.rt-section.is-hero  { background: var(--rt-grad-hero); }

.rt-grid {
  display: grid;
  gap: clamp(16px, 2vw, 28px);
}
.rt-grid--2 { grid-template-columns: repeat(2, 1fr); }
.rt-grid--3 { grid-template-columns: repeat(3, 1fr); }
.rt-grid--4 { grid-template-columns: repeat(4, 1fr); }
@media (max-width: 900px) {
  .rt-grid--3, .rt-grid--4 { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 560px) {
  .rt-grid--2, .rt-grid--3, .rt-grid--4 { grid-template-columns: 1fr; }
}

.rt-stack > * + * { margin-top: 1em; }
.rt-stack-lg > * + * { margin-top: 1.6em; }

/* ----------- 5. Header / nav ---------------------------------------- */
.rt-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,0.78);
  backdrop-filter: saturate(180%) blur(20px);
  -webkit-backdrop-filter: saturate(180%) blur(20px);
  border-bottom: 1px solid var(--rt-glass-stroke);
}
.rt-header__inner {
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px; padding: 14px 0; min-height: 64px;
}
.rt-logo {
  display: inline-flex; align-items: center; gap: 10px;
  font-weight: 700; color: var(--rt-ink); letter-spacing: -0.02em;
}
.rt-logo img { height: 38px; width: auto; }
.rt-nav {
  display: flex; align-items: center; gap: 2px;
  list-style: none; margin: 0; padding: 0;
}
.rt-nav a {
  display: inline-block; padding: 8px 12px; border-radius: 999px;
  color: var(--rt-ink); font-weight: 500; font-size: .92rem;
  white-space: nowrap;
}
.rt-nav a:hover, .rt-nav a[aria-current="page"] {
  background: rgba(31,122,63,0.06); color: var(--rt-primary);
}
.rt-header__cta { display: flex; align-items: center; gap: 10px; flex-shrink: 0; }
.rt-header__phone {
  font-weight: 600; color: var(--rt-ink); font-size: .92rem;
  display: inline-flex; align-items: center; gap: 6px;
  white-space: nowrap;
}
.rt-header__phone svg { width: 16px; height: 16px; }

.rt-menu-toggle {
  display: none;
  background: transparent; border: 1px solid var(--rt-glass-stroke);
  border-radius: 12px; padding: 8px 12px; align-items: center; gap: 8px;
  color: var(--rt-ink); font-weight: 500;
}
.rt-menu-toggle svg { width: 18px; height: 18px; }

/* At narrower desktops, hide phone text — Quote button + mobile menu are enough */
@media (max-width: 1280px) {
  .rt-header__phone { display: none; }
}
@media (max-width: 1180px) {
  .rt-nav { display: none; }
  .rt-menu-toggle { display: inline-flex; }
  .rt-header[data-open="true"] .rt-mobile-nav { display: block; }
}

.rt-mobile-nav {
  display: none;
  position: absolute; left: 0; right: 0; top: 100%;
  background: rgba(255,255,255,0.96);
  backdrop-filter: saturate(180%) blur(24px);
  -webkit-backdrop-filter: saturate(180%) blur(24px);
  border-bottom: 1px solid var(--rt-glass-stroke);
  box-shadow: var(--rt-shadow-2);
}
.rt-mobile-nav__inner {
  padding: 12px 24px 24px;
  display: flex; flex-direction: column; gap: 4px;
}
.rt-mobile-nav a {
  display: block; padding: 14px 12px; border-radius: 12px;
  color: var(--rt-ink); font-weight: 500; font-size: 1.05rem;
  border-bottom: 1px solid var(--rt-glass-stroke);
}
.rt-mobile-nav a:last-of-type { border-bottom: 0; }
.rt-mobile-nav .rt-btn { margin-top: 12px; }

/* ----------- 6. Buttons --------------------------------------------- */
.rt-btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 14px 22px; border-radius: 999px;
  font-weight: 600; font-size: .98rem; letter-spacing: -0.005em;
  border: 1px solid transparent; cursor: pointer; user-select: none;
  transition: transform .15s var(--rt-ease), background .2s var(--rt-ease),
              box-shadow .2s var(--rt-ease), color .2s var(--rt-ease);
  white-space: nowrap;
}
.rt-btn:hover { transform: translateY(-1px); }
.rt-btn:active { transform: translateY(0); }
.rt-btn--primary {
  background: var(--rt-ink); color: #fff;
  box-shadow: 0 6px 20px -6px rgba(0,0,0,0.45);
}
.rt-btn--primary:hover { background: var(--rt-primary-700); color: #fff; box-shadow: 0 10px 28px -8px rgba(0,0,0,0.55); }
.rt-btn--accent {
  background: var(--rt-accent); color: #2a1d05;
  box-shadow: 0 6px 20px -6px rgba(31,122,63,0.45);
}
.rt-btn--accent:hover { background: var(--rt-accent-700); color: #2a1d05; }
.rt-btn--green {
  background: var(--rt-green); color: #fff;
  box-shadow: 0 8px 24px -8px rgba(31,122,63,0.55);
}
.rt-btn--green:hover { background: var(--rt-green-700); color: #fff; box-shadow: 0 12px 32px -10px rgba(31,122,63,0.7); }
.rt-btn--ghost-light {
  background: rgba(255,255,255,0.10); color: #fff; border-color: rgba(255,255,255,0.4);
  backdrop-filter: blur(8px); -webkit-backdrop-filter: blur(8px);
}
.rt-btn--ghost-light:hover { background: rgba(255,255,255,0.18); color: #fff; border-color: rgba(255,255,255,0.6); }
.rt-btn--ghost {
  background: rgba(0,0,0,0.04); color: var(--rt-ink); border-color: var(--rt-glass-stroke);
}
.rt-btn--ghost:hover { background: rgba(0,0,0,0.08); color: var(--rt-ink); }
.rt-btn--outline {
  background: transparent; color: var(--rt-ink); border-color: rgba(0,0,0,0.18);
}
.rt-btn--outline:hover { background: rgba(0,0,0,0.04); color: var(--rt-ink); }
.rt-btn--ink-on-light { background: var(--rt-ink); color: #fff; }
.rt-btn--lg { padding: 18px 28px; font-size: 1.05rem; }
.rt-btn--sm { padding: 10px 16px; font-size: .9rem; }
.rt-btn--block { display: flex; width: 100%; }

/* ----------- 7. Cards (frosted + solid) ----------------------------- */
.rt-card {
  background: var(--rt-card-solid);
  border: 1px solid var(--rt-line);
  border-radius: var(--rt-radius-lg);
  padding: clamp(20px, 2.4vw, 28px);
  box-shadow: var(--rt-shadow-1);
  transition: transform .25s var(--rt-ease), box-shadow .25s var(--rt-ease), border-color .25s var(--rt-ease);
}
.rt-card.is-link { display: block; color: inherit; }
.rt-card.is-link:hover { transform: translateY(-2px); box-shadow: var(--rt-shadow-3); border-color: rgba(31,122,63,0.20); }
.rt-card.is-glass {
  background: var(--rt-card);
  backdrop-filter: saturate(180%) blur(14px);
  -webkit-backdrop-filter: saturate(180%) blur(14px);
  border: 1px solid var(--rt-glass-stroke);
}
.rt-card h3 { margin-top: 0; }
.rt-card__icon {
  width: 44px; height: 44px; border-radius: 12px;
  display: inline-flex; align-items: center; justify-content: center;
  background: rgba(31,122,63,0.08); color: var(--rt-primary);
  margin-bottom: 14px;
}
.rt-card__icon svg { width: 22px; height: 22px; }
.rt-card__arrow {
  display: inline-flex; align-items: center; gap: 6px;
  color: var(--rt-primary); font-weight: 600; font-size: .95rem;
  margin-top: 14px;
}
.rt-card.is-link:hover .rt-card__arrow svg { transform: translateX(3px); }
.rt-card__arrow svg { width: 14px; height: 14px; transition: transform .2s var(--rt-ease); }

/* ----------- 8. Hero ------------------------------------------------- */
.rt-hero {
  background: var(--rt-grad-hero);
  position: relative;
  overflow: hidden;
}
.rt-hero__inner {
  padding: clamp(64px, 9vw, 140px) 0 clamp(56px, 8vw, 112px);
  position: relative;
  text-align: left;
}
/* Full-bleed image hero (homepage) */
.rt-hero--image {
  position: relative; isolation: isolate;
  background-color: var(--rt-ink);
  color: #fff;
  min-height: 640px;
  display: flex; align-items: center;
  overflow: hidden;          /* clip the slowly-zooming background */
}
/* Background image — animated for ambient slow zoom */
.rt-hero--image::before {
  content: "";
  position: absolute; inset: 0;
  background-image: url('/assets/img/hero-kitchen.jpg');
  background-size: cover;
  background-position: center;
  transform-origin: 50% 50%;
  animation: rtHeroAmbient 18s ease-in-out infinite alternate;
  will-change: transform;
  z-index: 0;
  /* Sharper rendering during scale animation */
  image-rendering: -webkit-optimize-contrast;
  image-rendering: high-quality;
  backface-visibility: hidden;
  -webkit-backface-visibility: hidden;
  transform: translateZ(0);
}
/* Dark overlay sits ABOVE the animated image, BELOW the text */
.rt-hero--image::after {
  content: "";
  position: absolute; inset: 0;
  background:
    linear-gradient(180deg, rgba(0,0,0,0.55) 0%, rgba(0,0,0,0.42) 45%, rgba(0,0,0,0.70) 100%);
  z-index: 1;
  pointer-events: none;
}
/* Hero content lifted above both layers */
.rt-hero--image > * { position: relative; z-index: 2; }

@keyframes rtHeroAmbient {
  /* Gentle zoom + pan. Lower scale ceiling reduces blur on smaller source images. */
  0%   { transform: scale(1.06) translate3d(-0.6%, -0.3%, 0); }
  100% { transform: scale(1.00) translate3d( 0.6%,  0.3%, 0); }
}
@media (prefers-reduced-motion: reduce) {
  .rt-hero--image::before { animation: none; transform: none; }
}
.rt-hero--image .rt-hero__inner {
  text-align: center;
  margin: 0 auto;
  max-width: 880px;
  padding: clamp(80px, 11vw, 160px) 0 clamp(64px, 9vw, 120px);
}
.rt-hero--image .rt-hero__eyebrow { color: #d8e8da; }
.rt-hero--image h1 {
  color: #ffffff !important;
  text-shadow: 0 2px 28px rgba(0,0,0,0.35);
  max-width: 22ch; margin-left: auto; margin-right: auto;
}
.rt-hero--image .lead {
  color: rgba(255,255,255,0.92);
  margin-left: auto; margin-right: auto;
  text-shadow: 0 1px 12px rgba(0,0,0,0.30);
}
.rt-hero--image .rt-hero__actions { justify-content: center; }
.rt-hero--image .rt-hero__segmented {
  display: flex; flex-wrap: wrap; gap: 12px;
  justify-content: center; margin-top: 36px;
}
.rt-hero--image .rt-hero__segmented .rt-btn { flex: 1 1 220px; max-width: 320px; }
.rt-hero--image .rt-hero__phone-link {
  margin: 18px 0 0; text-align: center;
  color: rgba(255,255,255,0.85); font-size: .98rem;
  text-shadow: 0 1px 8px rgba(0,0,0,0.30);
}
.rt-hero--image .rt-hero__phone-link a { color: #fff; font-weight: 600; border-bottom: 1px solid rgba(255,255,255,0.45); }
.rt-hero--image .rt-hero__phone-link a:hover { border-bottom-color: #fff; color: #fff; }
@media (max-width: 720px) {
  .rt-hero--image .rt-hero__segmented .rt-btn { flex: 1 1 100%; max-width: none; }
}
.rt-hero--image .rt-hero__trust { justify-content: center; }
.rt-hero--image .rt-hero__trust-item { color: rgba(255,255,255,0.92); }
.rt-hero--image .rt-hero__trust-item svg { color: var(--rt-green-300); }
@media (max-width: 720px) {
  .rt-hero--image { min-height: 540px; }
  .rt-hero--image h1 { font-size: clamp(2rem, 8vw, 3rem); }
}
.rt-hero__eyebrow { color: var(--rt-primary-300); }
.rt-hero h1 { max-width: 18ch; }
.rt-hero p.lead { margin-top: 24px; max-width: 62ch; font-size: clamp(1.1rem, 1.5vw, 1.35rem); }
.rt-hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 36px; }
.rt-hero__trust {
  display: flex; flex-wrap: wrap; gap: 22px 28px;
  margin-top: 40px; align-items: center;
}
.rt-hero__trust-item {
  display: inline-flex; align-items: center; gap: 8px;
  color: var(--rt-muted); font-size: .92rem; font-weight: 500;
}
.rt-hero__trust-item svg { width: 16px; height: 16px; color: var(--rt-success); }

/* ----------- 9. Goal cards (Buy / Refi / HELOC / Search) ------------ */
.rt-goals { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
@media (max-width: 1024px) { .rt-goals { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px)  { .rt-goals { grid-template-columns: 1fr; } }
.rt-goal {
  display: flex; flex-direction: column;
  padding: 28px;
  background: var(--rt-card-solid);
  border: 1.5px solid rgba(31,122,63,0.32);
  border-radius: var(--rt-radius-lg);
  color: inherit;
  position: relative;
  transition: transform .25s var(--rt-ease), box-shadow .35s var(--rt-ease), border-color .35s var(--rt-ease);
  box-shadow:
    0 0 0 1px rgba(31,122,63,0.10),
    0 0 22px -4px rgba(31,122,63,0.24),
    0 12px 28px -16px rgba(31,122,63,0.20);
  animation: rtGoalPulse 4.5s ease-in-out infinite;
}
@keyframes rtGoalPulse {
  0%, 100% {
    box-shadow:
      0 0 0 1px rgba(31,122,63,0.10),
      0 0 22px -4px rgba(31,122,63,0.24),
      0 12px 28px -16px rgba(31,122,63,0.20);
  }
  50% {
    box-shadow:
      0 0 0 2px rgba(31,122,63,0.20),
      0 0 38px -2px rgba(31,122,63,0.36),
      0 16px 36px -16px rgba(31,122,63,0.28);
  }
}
.rt-goal:nth-child(2) { animation-delay: 1s; }
.rt-goal:nth-child(3) { animation-delay: 2s; }
.rt-goal:nth-child(4) { animation-delay: 3s; }
.rt-goal:hover {
  transform: translateY(-3px);
  border-color: rgba(31,122,63,0.60);
  animation-play-state: paused;
  box-shadow:
    0 0 0 2px rgba(31,122,63,0.32),
    0 0 50px -2px rgba(31,122,63,0.50),
    0 24px 56px -22px rgba(31,122,63,0.45) !important;
}
@media (prefers-reduced-motion: reduce) {
  .rt-goal { animation: none; }
}
.rt-goal__icon {
  width: 52px; height: 52px; border-radius: 14px;
  display: flex; align-items: center; justify-content: center;
  background: var(--rt-ink); color: #fff;
  margin-bottom: 18px;
}
.rt-goal__icon svg { width: 26px; height: 26px; }
.rt-goal h3 { margin: 0 0 6px; font-size: 1.25rem; }
.rt-goal p { margin: 0; color: var(--rt-muted); font-size: .96rem; flex: 1; }
.rt-goal__cta { margin-top: 18px; font-weight: 600; color: var(--rt-primary); display: inline-flex; align-items: center; gap: 6px; }
.rt-goal__cta svg { width: 14px; height: 14px; transition: transform .2s var(--rt-ease); }
.rt-goal:hover .rt-goal__cta svg { transform: translateX(3px); }

/* ----------- 10. Trust strip --------------------------------------- */
.rt-trust-strip {
  display: flex; flex-wrap: wrap; gap: 18px 36px;
  align-items: center; justify-content: center;
  padding: 28px 24px;
  background: var(--rt-card-solid);
  border: 1px solid var(--rt-line);
  border-radius: var(--rt-radius-lg);
  box-shadow: var(--rt-shadow-1);
}
.rt-trust-strip__item {
  display: inline-flex; align-items: center; gap: 10px;
  color: var(--rt-ink-soft); font-size: .95rem; font-weight: 500;
}
.rt-trust-strip__item svg { width: 18px; height: 18px; color: var(--rt-primary); }
.rt-trust-strip__item img { height: 28px; width: auto; }

/* ----------- 11. How it works --------------------------------------- */
.rt-steps { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; counter-reset: step; }
@media (max-width: 900px) { .rt-steps { grid-template-columns: repeat(2, 1fr); } }
@media (max-width: 560px) { .rt-steps { grid-template-columns: 1fr; } }
.rt-step { padding: 24px; border: 1px solid var(--rt-line); border-radius: var(--rt-radius); background: #fff; counter-increment: step; }
.rt-step::before {
  content: "0" counter(step);
  display: block; font-size: .85rem; font-weight: 700; letter-spacing: 0.18em;
  color: var(--rt-accent-700); margin-bottom: 8px;
}
.rt-step h4 { margin: 0 0 6px; }
.rt-step p { margin: 0; color: var(--rt-muted); font-size: .95rem; }

/* ----------- 12. Reviews preview ------------------------------------ */
.rt-review {
  background: var(--rt-card-solid); border: 1px solid var(--rt-line);
  border-radius: var(--rt-radius); padding: 24px;
  display: flex; flex-direction: column;
  height: 100%;
}
.rt-stars { color: var(--rt-accent); font-size: 1.05rem; letter-spacing: 2px; margin-bottom: 12px; }
.rt-review p { font-size: 1rem; color: var(--rt-ink-soft); flex: 1; }
.rt-review__author { font-weight: 600; color: var(--rt-ink); font-size: .95rem; margin-top: 12px; }

/* ----------- 13. Blog cards ----------------------------------------- */
.rt-post {
  background: #fff; border: 1px solid var(--rt-line);
  border-radius: var(--rt-radius); overflow: hidden;
  display: flex; flex-direction: column; height: 100%;
  transition: transform .25s var(--rt-ease), box-shadow .25s var(--rt-ease), border-color .25s var(--rt-ease);
}
.rt-post:hover { transform: translateY(-2px); box-shadow: var(--rt-shadow-2); border-color: rgba(31,122,63,0.18); }
.rt-post__cover { aspect-ratio: 16/9; background: linear-gradient(135deg, #d6e1ee 0%, #eef3f9 100%); position: relative; }
.rt-post__body { padding: 22px; display: flex; flex-direction: column; flex: 1; }
.rt-post__date { font-size: .82rem; color: var(--rt-muted); letter-spacing: 0.04em; }
.rt-post__title { font-size: 1.1rem; font-weight: 600; line-height: 1.3; color: var(--rt-ink); margin: 8px 0 12px; }
.rt-post p { color: var(--rt-muted); font-size: .94rem; flex: 1; margin: 0; }
.rt-post__more { margin-top: 14px; color: var(--rt-primary); font-weight: 600; font-size: .92rem; }

/* ----------- 14. Funnel page wrapper -------------------------------- */
.rt-funnel-hero {
  background: var(--rt-grad-hero);
  padding: clamp(40px, 5vw, 72px) 0 clamp(16px, 2vw, 28px);
}
/* Funnel pages: tighten the gap between the hero and the form */
.rt-funnel-hero + .rt-section { padding-top: clamp(20px, 2.5vw, 36px); }
.rt-funnel-progress {
  display: inline-flex; align-items: center; gap: 8px;
  background: rgba(255,255,255,0.7); border: 1px solid var(--rt-glass-stroke);
  border-radius: 999px; padding: 6px 14px; font-size: .85rem;
  color: var(--rt-muted); font-weight: 500;
  backdrop-filter: blur(12px); -webkit-backdrop-filter: blur(12px);
}
.rt-funnel-progress__dot { width: 8px; height: 8px; border-radius: 50%; background: var(--rt-success); }
.rt-funnel-form-shell {
  background: #fff; border: 1px solid var(--rt-line);
  border-radius: var(--rt-radius-lg);
  padding: clamp(20px, 3vw, 36px);
  box-shadow: var(--rt-shadow-2);
}
.rt-form-embed-placeholder {
  background: linear-gradient(180deg, #fbfcfe 0%, #f1f5fb 100%);
  border: 2px dashed rgba(31,122,63,0.22);
  border-radius: var(--rt-radius);
  padding: 32px 24px;
  text-align: center;
  color: var(--rt-ink-soft);
}
.rt-form-embed-placeholder strong { display: block; color: var(--rt-ink); margin-bottom: 6px; font-size: 1.05rem; }
.rt-form-embed-placeholder code {
  display: inline-block; margin-top: 10px;
  background: rgba(0,0,0,0.06); padding: 4px 10px; border-radius: 6px;
  font-family: ui-monospace, SFMono-Regular, Menlo, monospace;
  font-size: .85rem; color: var(--rt-primary-700);
}

/* ----------- 15. Footer --------------------------------------------- */
.rt-footer {
  background: var(--rt-grad-ink); color: rgba(255,255,255,0.78);
  padding: 64px 0 32px;
}
.rt-footer h4 {
  font-size: .82rem; letter-spacing: 0.18em; text-transform: uppercase;
  color: rgba(255,255,255,0.55); font-weight: 600; margin: 0 0 14px;
}
.rt-footer__grid {
  display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 36px;
  padding-bottom: 36px; border-bottom: 1px solid rgba(255,255,255,0.10);
}
@media (max-width: 900px)  { .rt-footer__grid { grid-template-columns: 1fr 1fr; gap: 28px; } }
@media (max-width: 560px)  { .rt-footer__grid { grid-template-columns: 1fr; } }
.rt-footer ul { list-style: none; padding: 0; margin: 0; }
.rt-footer li { margin: 0 0 10px; }
.rt-footer a { color: rgba(255,255,255,0.78); }
.rt-footer a:hover { color: #fff; }
.rt-footer__brand img { height: 42px; width: auto; margin-bottom: 18px; filter: brightness(0) invert(1); }
.rt-footer__brand p { color: rgba(255,255,255,0.7); font-size: .95rem; max-width: 36ch; }
.rt-footer__legal {
  display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between;
  gap: 14px; padding-top: 24px;
  font-size: .82rem; color: rgba(255,255,255,0.55);
}
.rt-footer__badges { display: flex; gap: 14px; align-items: center; }
.rt-footer__badges img { height: 38px; width: auto; opacity: .9; }
.rt-footer__compliance { font-size: .8rem; color: rgba(255,255,255,0.55); margin-top: 18px; line-height: 1.6; max-width: 80ch; }

/* ----------- 16. Utilities ------------------------------------------ */
.rt-text-center { text-align: center; }
.rt-mt-0 { margin-top: 0; } .rt-mt-1 { margin-top: 12px; } .rt-mt-2 { margin-top: 24px; } .rt-mt-3 { margin-top: 36px; }
.rt-mb-0 { margin-bottom: 0; } .rt-mb-1 { margin-bottom: 12px; } .rt-mb-2 { margin-bottom: 24px; } .rt-mb-3 { margin-bottom: 36px; }
.rt-divider { height: 1px; background: var(--rt-line); border: 0; margin: 32px 0; }
.rt-pill {
  display: inline-flex; align-items: center; gap: 6px;
  padding: 6px 12px; border-radius: 999px; font-size: .8rem; font-weight: 600;
  background: rgba(31,122,63,0.08); color: var(--rt-primary);
}
.rt-anchor-offset { scroll-margin-top: 88px; }

/* Section header pattern */
.rt-section-head { max-width: 56ch; margin: 0 auto 48px; text-align: center; }
.rt-section-head .eyebrow { justify-content: center; }
.rt-section-head h2 { margin-bottom: 16px; }
.rt-section-head p { color: var(--rt-muted); font-size: 1.05rem; }

/* Two-column layout */
.rt-two-col {
  display: grid; grid-template-columns: 1fr 1fr;
  gap: clamp(24px, 4vw, 64px); align-items: center;
}
@media (max-width: 900px) { .rt-two-col { grid-template-columns: 1fr; } }

/* Image frame */
.rt-frame {
  border-radius: var(--rt-radius-lg);
  overflow: hidden;
  border: 1px solid var(--rt-line);
  box-shadow: var(--rt-shadow-2);
  background: var(--rt-grad-soft);
}

/* Calculator styling */
.rt-calc {
  background: #fff; border: 1px solid var(--rt-line);
  border-radius: var(--rt-radius-lg); padding: clamp(20px, 3vw, 36px);
  box-shadow: var(--rt-shadow-2);
}
.rt-calc__row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .rt-calc__row { grid-template-columns: 1fr; } }
.rt-calc label { display: block; font-size: .85rem; font-weight: 600; color: var(--rt-ink-soft); margin-bottom: 6px; }
.rt-calc input {
  width: 100%; padding: 12px 14px; border-radius: 12px;
  border: 1px solid var(--rt-line); font: inherit; background: #fff;
  color: var(--rt-ink);
}
.rt-calc input:focus { border-color: var(--rt-primary-300); box-shadow: 0 0 0 3px rgba(44,154,85,0.15); outline: none; }
.rt-calc__result {
  margin-top: 24px; padding: 22px;
  background: var(--rt-grad-soft);
  border: 1px solid var(--rt-line);
  border-radius: var(--rt-radius);
  text-align: center;
}
.rt-calc__result-amount { font-size: 2.4rem; font-weight: 700; color: var(--rt-primary); letter-spacing: -0.03em; }
.rt-calc__disclaimer { font-size: .8rem; color: var(--rt-muted); margin-top: 14px; line-height: 1.5; }

/* Form (review submit, contact) */
.rt-form { display: grid; gap: 16px; }
.rt-form__row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
@media (max-width: 560px) { .rt-form__row { grid-template-columns: 1fr; } }
.rt-form label { font-size: .9rem; font-weight: 600; color: var(--rt-ink-soft); margin-bottom: 6px; display: block; }
.rt-form input, .rt-form textarea, .rt-form select {
  width: 100%; padding: 12px 14px; border-radius: 12px;
  border: 1px solid var(--rt-line); font: inherit; background: #fff;
  color: var(--rt-ink); resize: vertical;
}
.rt-form input:focus, .rt-form textarea:focus, .rt-form select:focus {
  border-color: var(--rt-primary-300);
  box-shadow: 0 0 0 3px rgba(44,154,85,0.15);
  outline: none;
}
.rt-form__consent {
  display: flex; gap: 10px; align-items: flex-start;
  font-size: .85rem; color: var(--rt-muted);
}
.rt-form__consent input { width: auto; margin-top: 4px; }

/* ----------- 15b. FAQ accordion ------------------------------------ */
.rt-faq {
  display: grid; gap: 0;
  border-top: 1px solid var(--rt-line);
}
.rt-faq__item {
  border-bottom: 1px solid var(--rt-line);
  transition: background .2s var(--rt-ease);
}
.rt-faq__item:hover { background: rgba(31,122,63,0.02); }
.rt-faq__q {
  cursor: pointer;
  list-style: none;
  padding: 20px 8px;
  font-weight: 600;
  color: var(--rt-ink);
  font-size: 1.05rem;
  position: relative;
  padding-right: 44px;
  display: flex; align-items: center;
  line-height: 1.4;
}
.rt-faq__q::-webkit-details-marker { display: none; }
.rt-faq__q::after {
  content: ""; position: absolute;
  right: 12px; top: 50%; width: 14px; height: 14px;
  background-image:
    linear-gradient(var(--rt-green), var(--rt-green)),
    linear-gradient(var(--rt-green), var(--rt-green));
  background-size: 14px 2px, 2px 14px;
  background-repeat: no-repeat;
  background-position: center;
  transform: translateY(-50%);
  transition: transform .25s var(--rt-ease);
}
.rt-faq__item[open] > .rt-faq__q::after {
  background-size: 14px 2px, 0 14px;   /* hide the vertical = collapse to minus */
  transform: translateY(-50%) rotate(180deg);
}
.rt-faq__q:hover { color: var(--rt-green); }
.rt-faq__a {
  padding: 0 8px 22px;
  color: var(--rt-ink-soft);
  line-height: 1.65;
  max-width: 70ch;
}
.rt-faq__a p { margin: 0 0 .8em; }
.rt-faq__a p:last-child { margin-bottom: 0; }
.rt-faq__a ul { margin: 0 0 .8em 1.2em; padding: 0; }
.rt-faq__a li { margin-bottom: .3em; }
.rt-faq__a strong { color: var(--rt-ink); }

/* ----------- 16. Partner / lender strip ---------------------------- */
.rt-partners {
  display: flex; flex-direction: column; align-items: center; gap: 18px;
  padding: 28px 24px;
  background: var(--rt-card-solid);
  border: 1px solid var(--rt-line);
  border-radius: var(--rt-radius-lg);
  box-shadow: var(--rt-shadow-1);
}
.rt-partners .eyebrow { margin: 0; }
.rt-partners__logo {
  display: inline-block; padding: 8px;
  border-radius: 12px;
  transition: transform .25s var(--rt-ease), opacity .2s var(--rt-ease);
  opacity: .92;
}
.rt-partners__logo:hover { transform: translateY(-1px); opacity: 1; }
.rt-partners__logo img {
  height: auto; max-height: 140px;
  max-width: 480px; width: 100%;
  display: block; object-fit: contain;
}
@media (max-width: 560px) {
  .rt-partners__logo img { max-height: 110px; max-width: 320px; }
}

/* ----------- 16a. Split-hero (text + image, e.g. loan-options) ------ */
.rt-hero--split { background: var(--rt-grad-hero); }
.rt-hero__split-layout {
  display: grid;
  grid-template-columns: minmax(0, 1.05fr) minmax(0, 1fr);
  gap: clamp(28px, 4vw, 64px);
  align-items: center;
}
@media (max-width: 960px) {
  .rt-hero__split-layout { grid-template-columns: 1fr; gap: 28px; }
}
.rt-hero--split .rt-hero__inner {
  padding: clamp(56px, 7vw, 112px) 0 clamp(40px, 5vw, 72px);
}
.rt-hero__split-visual {
  position: relative;
  padding: clamp(20px, 3vw, 40px) 0;
}
.rt-hero__split-frame {
  position: relative;
  border-radius: var(--rt-radius-xl);
  overflow: hidden;
  box-shadow: var(--rt-shadow-3);
  border: 1px solid var(--rt-glass-stroke);
  background: var(--rt-grad-soft);
  transform: rotate(0.2deg);
  transition: transform .4s var(--rt-ease);
}
.rt-hero__split-frame:hover { transform: rotate(0deg) translateY(-2px); }
.rt-hero__split-frame img {
  width: 100%; height: 100%; object-fit: cover; display: block;
  aspect-ratio: 4 / 3;
}
/* Portrait variant — for headshots / square images */
.rt-hero__split-visual--portrait { display: flex; justify-content: center; }
.rt-hero__split-frame--portrait {
  max-width: 360px; width: 100%;
  aspect-ratio: 1 / 1;
}
.rt-hero__split-frame--portrait img { aspect-ratio: 1 / 1; }

/* Profile card — logo + portrait + caption (used on /reviews/) */
.rt-profile-card {
  width: 100%; max-width: 360px;
  background: #fff;
  border: 1px solid var(--rt-line);
  border-radius: var(--rt-radius-xl);
  box-shadow: var(--rt-shadow-3);
  padding: 22px 22px 24px;
  text-align: center;
  display: flex; flex-direction: column; gap: 14px; align-items: center;
}
.rt-profile-card__logo {
  height: 32px; width: auto; display: block; margin: 0 auto;
}
.rt-profile-card__photo {
  width: 100%; aspect-ratio: 1 / 1;
  border-radius: var(--rt-radius-lg);
  overflow: hidden;
  background: var(--rt-grad-soft);
  border: 1px solid var(--rt-line);
}
.rt-profile-card__photo img {
  width: 100%; height: 100%; object-fit: cover; display: block;
}
.rt-profile-card__caption {
  display: flex; flex-direction: column; gap: 2px; align-items: center;
}
.rt-profile-card__caption strong { color: var(--rt-ink); font-size: 1.05rem; font-weight: 700; }
.rt-profile-card__caption span { color: var(--rt-muted); font-size: .85rem; }

/* ----------- 16b. Meet Richard ------------------------------------- */
.rt-meet {
  display: grid;
  grid-template-columns: minmax(260px, 360px) 1fr;
  gap: clamp(28px, 5vw, 72px);
  align-items: center;
}
@media (max-width: 760px) {
  .rt-meet { grid-template-columns: 1fr; gap: 28px; text-align: center; }
  .rt-meet__photo { margin: 0 auto; max-width: 280px; }
  .rt-meet__actions { justify-content: center; }
  .rt-meet__copy .lead { margin-left: auto; margin-right: auto; }
}
.rt-meet__photo {
  position: relative;
  border-radius: var(--rt-radius-xl);
  overflow: hidden;
  background: #fff;
  border: 1px solid var(--rt-line);
  box-shadow: var(--rt-shadow-3);
  aspect-ratio: 1 / 1;
  isolation: isolate;
}
.rt-meet__photo::after {
  content: ""; position: absolute; inset: 0;
  border-radius: inherit;
  box-shadow: inset 0 0 0 4px rgba(31,122,63,0.0);
  transition: box-shadow .3s var(--rt-ease);
  pointer-events: none;
}
.rt-meet__photo:hover::after { box-shadow: inset 0 0 0 4px rgba(31,122,63,0.18); }
.rt-meet__photo img {
  width: 100%; height: 100%; object-fit: cover; display: block;
}
.rt-meet__copy h2 { margin-top: 8px; }
.rt-meet__copy .lead { margin-bottom: 24px; }
.rt-meet__actions {
  display: flex; flex-wrap: wrap; gap: 12px;
}
.rt-meet__actions .rt-btn { flex: 0 1 auto; }

/* ----------- 17. Multi-step funnel forms ---------------------------- */
.rt-funnel { display: block; }
.rt-funnel__progress {
  display: flex; align-items: center; gap: 12px;
  margin-bottom: 24px;
}
.rt-funnel__progress-track {
  flex: 1; height: 6px; background: rgba(0,0,0,0.08);
  border-radius: 999px; overflow: hidden;
}
.rt-funnel__progress-bar {
  height: 100%; background: linear-gradient(90deg, var(--rt-primary) 0%, var(--rt-primary-300) 100%);
  border-radius: 999px;
  transition: width .35s var(--rt-ease);
}
.rt-funnel__progress-label {
  font-size: .82rem; font-weight: 600; color: var(--rt-muted);
  font-variant-numeric: tabular-nums; white-space: nowrap;
}
.rt-funnel__page { animation: rtFunnelIn .25s var(--rt-ease); }
@keyframes rtFunnelIn {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: none; }
}
.rt-funnel__question { font-size: clamp(1.5rem, 2.4vw, 2rem); font-weight: 700; line-height: 1.2; letter-spacing: -0.02em; margin: 0 0 8px; color: var(--rt-green); }
.rt-funnel__help { color: var(--rt-muted); margin: 0 0 24px; font-size: 1rem; }
.rt-funnel__field { display: block; margin: 0 0 18px; }
.rt-funnel__field label { display: block; font-size: .9rem; font-weight: 600; color: var(--rt-ink-soft); margin-bottom: 6px; }
.rt-funnel__field input, .rt-funnel__field select, .rt-funnel__field textarea {
  width: 100%; padding: 14px 16px; border-radius: 14px;
  border: 1px solid var(--rt-line); font: inherit;
  background: #fff; color: var(--rt-ink); transition: border-color .2s, box-shadow .2s;
}
.rt-funnel__field input:focus, .rt-funnel__field select:focus, .rt-funnel__field textarea:focus {
  border-color: var(--rt-primary-300);
  box-shadow: 0 0 0 4px rgba(44,154,85,0.14);
  outline: none;
}
.rt-funnel__error {
  margin-top: 6px; font-size: .85rem; color: var(--rt-danger);
  display: none;
}
.rt-funnel__field.is-invalid input,
.rt-funnel__field.is-invalid select,
.rt-funnel__field.is-invalid textarea { border-color: var(--rt-danger); box-shadow: 0 0 0 4px rgba(179,38,30,0.10); }
.rt-funnel__field.is-invalid .rt-funnel__error { display: block; }

/* Radio cards (the segmented choices the legacy form uses) */
.rt-funnel__choices { display: grid; gap: 10px; margin: 0 0 8px; grid-template-columns: 1fr; }
.rt-funnel__choices.is-2col { grid-template-columns: repeat(2, 1fr); }
@media (max-width: 480px) { .rt-funnel__choices.is-2col { grid-template-columns: 1fr; } }
.rt-funnel__choice {
  position: relative; display: flex; align-items: center; gap: 12px;
  padding: 16px 18px; border-radius: 14px;
  border: 1px solid var(--rt-line); background: #fff;
  cursor: pointer; user-select: none;
  transition: border-color .15s, background .15s, transform .1s, box-shadow .15s;
}
.rt-funnel__choice:hover { border-color: rgba(31,122,63,0.30); background: rgba(31,122,63,0.02); }
.rt-funnel__choice input { position: absolute; opacity: 0; pointer-events: none; }
.rt-funnel__choice-dot {
  width: 22px; height: 22px; border-radius: 50%;
  border: 2px solid var(--rt-line); flex: 0 0 auto;
  display: flex; align-items: center; justify-content: center;
  transition: border-color .15s, background .15s;
}
.rt-funnel__choice-dot::after {
  content: ""; width: 10px; height: 10px; border-radius: 50%; background: #fff;
  transform: scale(0); transition: transform .15s var(--rt-ease);
}
.rt-funnel__choice-label { flex: 1; font-weight: 500; color: var(--rt-ink); }
.rt-funnel__choice-hint { font-size: .82rem; color: var(--rt-muted); margin-top: 2px; }
.rt-funnel__choice input:checked ~ .rt-funnel__choice-dot {
  border-color: var(--rt-primary); background: var(--rt-primary);
}
.rt-funnel__choice input:checked ~ .rt-funnel__choice-dot::after { transform: scale(1); }
.rt-funnel__choice:has(input:checked) {
  border-color: var(--rt-primary);
  background: rgba(31,122,63,0.04);
  box-shadow: 0 0 0 1px var(--rt-primary);
}
.rt-funnel__choice input:focus-visible ~ .rt-funnel__choice-dot {
  box-shadow: 0 0 0 4px rgba(44,154,85,0.18);
}

/* Slider field */
.rt-funnel__slider { display: grid; gap: 8px; }
.rt-funnel__slider-value {
  font-size: 2rem; font-weight: 700; color: var(--rt-primary);
  letter-spacing: -0.02em;
}
.rt-funnel__slider input[type=range] {
  width: 100%; -webkit-appearance: none; appearance: none;
  background: transparent; padding: 0;
  height: 32px;
}
.rt-funnel__slider input[type=range]::-webkit-slider-runnable-track {
  height: 6px; border-radius: 999px;
  background: rgba(0,0,0,0.10);
}
.rt-funnel__slider input[type=range]::-moz-range-track {
  height: 6px; border-radius: 999px; background: rgba(0,0,0,0.10);
}
.rt-funnel__slider input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none; appearance: none;
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--rt-primary); border: 3px solid #fff;
  box-shadow: 0 2px 6px rgba(0,0,0,0.25);
  margin-top: -8px; cursor: grab;
}
.rt-funnel__slider input[type=range]::-moz-range-thumb {
  width: 22px; height: 22px; border-radius: 50%;
  background: var(--rt-primary); border: 3px solid #fff;
  box-shadow: 0 2px 6px rgba(0,0,0,0.25);
  cursor: grab;
}
.rt-funnel__slider-bounds {
  display: flex; justify-content: space-between;
  color: var(--rt-muted); font-size: .8rem;
}

/* Funnel actions */
.rt-funnel__actions {
  display: flex; flex-wrap: wrap; gap: 12px;
  margin-top: 28px;
  padding-top: 20px; border-top: 1px solid var(--rt-line);
}
.rt-funnel__actions .rt-btn { min-width: 130px; }
.rt-funnel__actions .rt-btn--primary {
  margin-left: auto;
}
@media (max-width: 480px) {
  .rt-funnel__actions .rt-btn--primary { margin-left: 0; width: 100%; }
  .rt-funnel__actions .rt-btn { width: 100%; }
}
.rt-funnel__consent {
  display: grid; grid-template-columns: auto 1fr; gap: 12px;
  align-items: flex-start; margin: 16px 0 0;
  font-size: .88rem; color: var(--rt-muted); line-height: 1.5;
}
.rt-funnel__consent input { margin-top: 4px; width: 18px; height: 18px; accent-color: var(--rt-primary); }

/* Success / thank-you state */
.rt-funnel__success {
  text-align: center; padding: 24px 0;
}
.rt-funnel__success-icon {
  width: 64px; height: 64px; border-radius: 50%;
  background: rgba(31,138,79,0.10); color: var(--rt-success);
  display: inline-flex; align-items: center; justify-content: center;
  margin-bottom: 20px;
}
.rt-funnel__success-icon svg { width: 28px; height: 28px; }
.rt-funnel__success h3 { font-size: 1.7rem; }

/* Error banner */
.rt-funnel__banner {
  background: rgba(179,38,30,0.06); border: 1px solid rgba(179,38,30,0.22);
  color: var(--rt-danger); padding: 12px 14px; border-radius: 12px;
  margin: 0 0 16px; font-size: .9rem; display: none;
}
.rt-funnel__banner.is-visible { display: block; }

/* ----------- 17b. Blog post layout --------------------------------- */
.rt-blog-hero {
  background: var(--rt-grad-hero);
  padding: clamp(40px, 5vw, 72px) 0 0;
  text-align: center;
}
.rt-blog-hero .eyebrow { margin-bottom: 16px; }
.rt-blog-hero .eyebrow a { color: inherit; }
.rt-blog-hero h1 {
  font-size: clamp(2rem, 4vw, 3.2rem);
  margin: 0 auto 12px;
  max-width: 22ch;
}
.rt-blog-hero__meta {
  color: var(--rt-muted); font-size: .92rem;
  letter-spacing: 0.04em; text-transform: uppercase;
  margin: 0 0 32px;
}
.rt-blog-hero__image {
  max-width: 1200px; margin: 0 auto;
  border-radius: var(--rt-radius-xl) var(--rt-radius-xl) 0 0;
  overflow: hidden;
  box-shadow: var(--rt-shadow-3);
  border: 1px solid var(--rt-glass-stroke);
  border-bottom: 0;
  aspect-ratio: 16 / 8;
  margin-left: clamp(16px, 3vw, 32px); margin-right: clamp(16px, 3vw, 32px);
}
.rt-blog-hero__image img {
  width: 100%; height: 100%; object-fit: cover; display: block;
}
.rt-blog-hero--no-image { padding-bottom: clamp(40px, 5vw, 72px); }

.rt-blog-article {
  padding: clamp(40px, 6vw, 80px) 0 clamp(40px, 6vw, 80px);
  background: #fff;
}
.rt-blog-body {
  font-size: 1.08rem; line-height: 1.75; color: var(--rt-ink-soft);
}
.rt-blog-body h1, .rt-blog-body h2, .rt-blog-body h3, .rt-blog-body h4 {
  color: var(--rt-ink); margin-top: 1.6em; margin-bottom: .5em; line-height: 1.25;
}
.rt-blog-body h2 { font-size: 1.7rem; color: var(--rt-green); }
.rt-blog-body h3 { font-size: 1.3rem; }
.rt-blog-body h4 { font-size: 1.1rem; }
.rt-blog-body p { margin: 0 0 1.2em; color: var(--rt-ink-soft); }
.rt-blog-body p:first-child::first-letter,
.rt-blog-body > p:first-of-type::first-letter {
  color: var(--rt-green);
}
.rt-blog-body a { color: var(--rt-green); border-bottom: 1px solid rgba(31,122,63,0.30); }
.rt-blog-body a:hover { color: var(--rt-green-700); border-bottom-color: var(--rt-green); }
.rt-blog-body strong { color: var(--rt-ink); }
.rt-blog-body ul, .rt-blog-body ol { margin: 0 0 1.2em 1.4em; padding: 0; }
.rt-blog-body li { margin-bottom: .4em; }
.rt-blog-body img {
  max-width: 100%; height: auto; display: block;
  margin: 1.6em auto;
  border-radius: var(--rt-radius);
  border: 1px solid var(--rt-line);
}
.rt-blog-body figure { margin: 1.6em 0; }
.rt-blog-body figcaption {
  font-size: .85rem; color: var(--rt-muted); text-align: center; margin-top: 8px;
}
.rt-blog-body blockquote {
  margin: 1.8em 0; padding: 16px 24px;
  border-left: 4px solid var(--rt-green);
  background: rgba(31,122,63,0.04);
  border-radius: 0 var(--rt-radius) var(--rt-radius) 0;
  color: var(--rt-ink);
}
.rt-blog-body blockquote p:last-child { margin-bottom: 0; }
.rt-blog-body iframe { max-width: 100%; border-radius: var(--rt-radius); }

/* ----------- 18. Floating "Ask Richard" chat bubble ----------------- */
.rt-chat {
  position: fixed;
  right: clamp(16px, 3vw, 28px);
  bottom: clamp(16px, 3vw, 28px);
  z-index: 200;
  font-family: var(--rt-font-sans);
}
.rt-chat__toggle {
  display: inline-flex; align-items: center; gap: 10px;
  padding: 14px 20px 14px 16px;
  border: none; border-radius: 999px;
  background: var(--rt-green); color: #fff;
  box-shadow: 0 14px 36px -12px rgba(31,122,63,0.55), 0 6px 14px -6px rgba(0,0,0,0.18);
  cursor: pointer;
  font-weight: 600; font-size: .98rem; letter-spacing: -0.005em;
  transition: transform .2s var(--rt-ease), box-shadow .2s var(--rt-ease), background .2s var(--rt-ease);
}
.rt-chat__toggle:hover { transform: translateY(-2px); background: var(--rt-green-700); box-shadow: 0 18px 44px -12px rgba(31,122,63,0.65); }
.rt-chat__toggle:active { transform: translateY(0); }
.rt-chat__toggle svg { width: 22px; height: 22px; flex: 0 0 auto; }
.rt-chat__icon-open  { display: inline-block; }
.rt-chat__icon-close { display: none; }
.rt-chat[data-open="true"] .rt-chat__icon-open  { display: none; }
.rt-chat[data-open="true"] .rt-chat__icon-close { display: inline-block; }
@media (max-width: 480px) {
  .rt-chat__toggle-label { display: none; }
  .rt-chat__toggle { padding: 16px; }
}

.rt-chat__panel {
  position: absolute; right: 0; bottom: calc(100% + 14px);
  width: clamp(300px, 92vw, 380px);
  background: #fff;
  border: 1px solid var(--rt-line);
  border-radius: var(--rt-radius-lg);
  box-shadow: 0 24px 60px -20px rgba(0,0,0,0.30), 0 10px 20px -10px rgba(0,0,0,0.14);
  overflow: hidden;
  opacity: 0;
  transform: translateY(8px) scale(0.98);
  transform-origin: bottom right;
  pointer-events: none;
  transition: opacity .22s var(--rt-ease), transform .22s var(--rt-ease);
}
.rt-chat[data-open="true"] .rt-chat__panel {
  opacity: 1;
  transform: translateY(0) scale(1);
  pointer-events: auto;
}
.rt-chat__header {
  padding: 18px 20px 14px;
  background: linear-gradient(180deg, rgba(31,122,63,0.06), transparent);
  border-bottom: 1px solid var(--rt-line);
}
.rt-chat__header h3 { margin: 0 0 4px; font-size: 1.15rem; color: var(--rt-green); font-weight: 700; }
.rt-chat__header p { margin: 0; font-size: .85rem; color: var(--rt-muted); line-height: 1.45; }
.rt-chat__form { padding: 16px 20px 20px; display: grid; gap: 12px; }
.rt-chat__form label { display: grid; gap: 6px; }
.rt-chat__form label > span { font-size: .8rem; font-weight: 600; color: var(--rt-ink-soft); }
.rt-chat__form label > span em { font-weight: 400; font-style: normal; color: var(--rt-muted); }
.rt-chat__form input,
.rt-chat__form textarea {
  width: 100%; padding: 11px 13px; border-radius: 12px;
  border: 1px solid var(--rt-line); background: #fff;
  font: inherit; color: var(--rt-ink);
  transition: border-color .15s, box-shadow .15s;
}
.rt-chat__form input:focus,
.rt-chat__form textarea:focus {
  border-color: var(--rt-green-300);
  box-shadow: 0 0 0 3px rgba(44,154,85,0.18);
  outline: none;
}
.rt-chat__form textarea { resize: vertical; min-height: 80px; }
.rt-chat__form .rt-btn { margin-top: 4px; }
.rt-chat__error {
  display: none; color: var(--rt-danger);
  font-size: .85rem; padding: 8px 10px;
  background: rgba(179,38,30,0.06); border: 1px solid rgba(179,38,30,0.18);
  border-radius: 8px;
}
.rt-chat__error.is-visible { display: block; }
.rt-chat__consent { margin: 4px 0 0; font-size: .72rem; color: var(--rt-muted); line-height: 1.5; }
.rt-chat__success {
  padding: 28px 24px 24px; text-align: center;
}
.rt-chat__success-icon {
  display: inline-flex; align-items: center; justify-content: center;
  width: 56px; height: 56px; border-radius: 50%;
  background: rgba(31,122,63,0.10); color: var(--rt-green);
  margin-bottom: 14px;
}
.rt-chat__success-icon svg { width: 26px; height: 26px; }
.rt-chat__success h4 { margin: 0 0 6px; color: var(--rt-green); }
.rt-chat__success p { margin: 0; font-size: .92rem; color: var(--rt-muted); line-height: 1.5; }
.rt-chat__success a { font-weight: 600; }

/* ----------- 18b. Site-wide scrolling marquee ---------------------- */
.rt-marquee {
  display: block;
  background: linear-gradient(90deg, var(--rt-green-700) 0%, var(--rt-green) 50%, var(--rt-green-700) 100%);
  color: #fff;
  text-decoration: none;
  overflow: hidden;
  position: relative;
  border-top: 1px solid rgba(255,255,255,0.10);
  border-bottom: 1px solid rgba(0,0,0,0.10);
  box-shadow: 0 6px 18px -10px rgba(31,122,63,0.45), 0 -6px 18px -10px rgba(31,122,63,0.30);
  z-index: 30;
  isolation: isolate;
  /* Avoid any flicker during the JS relocation */
  visibility: visible;
}
.rt-marquee::before, .rt-marquee::after {
  content: ""; position: absolute; top: 0; bottom: 0; width: 80px;
  pointer-events: none; z-index: 2;
}
.rt-marquee::before {
  left: 0;
  background: linear-gradient(90deg, var(--rt-green-700), transparent);
}
.rt-marquee::after {
  right: 0;
  background: linear-gradient(-90deg, var(--rt-green-700), transparent);
}
.rt-marquee__track {
  display: flex;
  white-space: nowrap;
  animation: rtMarquee 38s linear infinite;
  will-change: transform;
}
.rt-marquee:hover .rt-marquee__track { animation-play-state: paused; }
.rt-marquee__group {
  display: inline-flex;
  align-items: center;
  gap: 28px;
  padding: 11px 14px 11px 14px;
  flex-shrink: 0;
}
.rt-marquee__item {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: #fff;
  font-weight: 500;
  font-size: .92rem;
  letter-spacing: 0.005em;
}
.rt-marquee__item svg { width: 16px; height: 16px; }
.rt-marquee__item strong {
  font-weight: 700;
  letter-spacing: 0.04em;
  margin-left: 4px;
}
.rt-marquee__sep {
  color: rgba(255,255,255,0.45);
  font-size: .55rem;
  display: inline-block;
  transform: translateY(-1px);
}
@keyframes rtMarquee {
  from { transform: translate3d(0, 0, 0); }
  to   { transform: translate3d(-50%, 0, 0); }
}
@media (prefers-reduced-motion: reduce) {
  .rt-marquee__track { animation: none; }
}

/* ----------- 19. Animated flowlines + green glow hovers ------------ */

/* Subtle moving green lines — added to non-image heroes and dark sections.
   Mask-faded at top and bottom so they blend smoothly into adjacent sections. */
.rt-hero:not(.rt-hero--image)::before,
.rt-section.is-ink::before {
  content: "";
  position: absolute; inset: -20% -10%;
  background-image:
    repeating-linear-gradient(118deg,
      transparent 0, transparent 80px,
      rgba(31,122,63,0.07) 80px, rgba(31,122,63,0.07) 81px,
      transparent 81px, transparent 160px,
      rgba(44,154,85,0.05) 160px, rgba(44,154,85,0.05) 161px),
    repeating-linear-gradient(-62deg,
      transparent 0, transparent 120px,
      rgba(31,122,63,0.04) 120px, rgba(31,122,63,0.04) 121px);
  animation: rtFlow1 32s linear infinite;
  pointer-events: none;
  z-index: 0;
  will-change: transform;
  /* Soft fade at top + bottom edges so the motion blends into adjacent sections */
  -webkit-mask-image: linear-gradient(to bottom,
    transparent 0%, rgba(0,0,0,0.4) 8%, #000 22%, #000 78%, rgba(0,0,0,0.4) 92%, transparent 100%);
          mask-image: linear-gradient(to bottom,
    transparent 0%, rgba(0,0,0,0.4) 8%, #000 22%, #000 78%, rgba(0,0,0,0.4) 92%, transparent 100%);
}
.rt-section.is-ink::before {
  background-image:
    repeating-linear-gradient(118deg,
      transparent 0, transparent 80px,
      rgba(44,154,85,0.10) 80px, rgba(44,154,85,0.10) 81px,
      transparent 81px, transparent 160px,
      rgba(31,122,63,0.08) 160px, rgba(31,122,63,0.08) 161px),
    repeating-linear-gradient(-62deg,
      transparent 0, transparent 120px,
      rgba(44,154,85,0.06) 120px, rgba(44,154,85,0.06) 121px);
}
.rt-hero:not(.rt-hero--image),
.rt-section.is-ink,
.rt-section.is-soft,
.rt-section:not(.is-ink):not(.is-soft) {
  position: relative;
  overflow: hidden;
}
.rt-hero:not(.rt-hero--image) > *,
.rt-section.is-ink > *,
.rt-section.is-soft > *,
.rt-section:not(.is-ink):not(.is-soft) > * {
  position: relative; z-index: 1;
}

/* Continuous (very subtle) flowlines on every plain + soft section so motion
   never has a visible "edge". Lower opacity than the hero version. */
.rt-section.is-soft::before,
.rt-section:not(.is-ink):not(.is-soft)::before {
  content: "";
  position: absolute; inset: -20% -10%;
  background-image:
    repeating-linear-gradient(118deg,
      transparent 0, transparent 100px,
      rgba(31,122,63,0.035) 100px, rgba(31,122,63,0.035) 101px,
      transparent 101px, transparent 220px,
      rgba(44,154,85,0.022) 220px, rgba(44,154,85,0.022) 221px);
  animation: rtFlow1 38s linear infinite;
  pointer-events: none;
  z-index: 0;
  will-change: transform;
  -webkit-mask-image: linear-gradient(to bottom,
    transparent 0%, rgba(0,0,0,0.5) 6%, #000 22%, #000 78%, rgba(0,0,0,0.5) 94%, transparent 100%);
          mask-image: linear-gradient(to bottom,
    transparent 0%, rgba(0,0,0,0.5) 6%, #000 22%, #000 78%, rgba(0,0,0,0.5) 94%, transparent 100%);
}
@keyframes rtFlow1 {
  from { transform: translate3d(0, 0, 0); }
  to   { transform: translate3d(-300px, -120px, 0); }
}

/* Soft second layer — slower drift for parallax feel on light heroes */
.rt-hero:not(.rt-hero--image)::after {
  content: "";
  position: absolute; inset: 0;
  background:
    radial-gradient(900px 400px at 80% 80%, rgba(31,122,63,0.06), transparent 70%),
    radial-gradient(700px 300px at 10% 20%, rgba(31,122,63,0.04), transparent 65%);
  animation: rtFlowGlow 20s ease-in-out infinite alternate;
  pointer-events: none;
  z-index: 0;
  -webkit-mask-image: linear-gradient(to bottom, transparent 0%, #000 20%, #000 80%, transparent 100%);
          mask-image: linear-gradient(to bottom, transparent 0%, #000 20%, #000 80%, transparent 100%);
}
@keyframes rtFlowGlow {
  from { transform: translate3d(0,0,0) scale(1); opacity: 1; }
  to   { transform: translate3d(40px,-20px,0) scale(1.05); opacity: .6; }
}

/* === Green glow on hover for major interactive elements === */

/* Card-style elements all get a green underglow on hover */
.rt-card.is-link, .rt-goal, .rt-post, .rt-review, .rt-step, .rt-trust-strip {
  transition: transform .25s var(--rt-ease),
              box-shadow .3s var(--rt-ease),
              border-color .3s var(--rt-ease);
}
.rt-card.is-link:hover {
  border-color: rgba(31,122,63,0.30);
  box-shadow:
    0 0 0 1px rgba(31,122,63,0.16),
    0 18px 40px -16px rgba(31,122,63,0.30),
    0 28px 60px -28px rgba(31,122,63,0.22);
}
.rt-goal:hover {
  border-color: rgba(31,122,63,0.32);
  box-shadow:
    0 0 0 1px rgba(31,122,63,0.18),
    0 22px 50px -18px rgba(31,122,63,0.34),
    0 30px 70px -30px rgba(31,122,63,0.22);
}
.rt-post:hover {
  border-color: rgba(31,122,63,0.28);
  box-shadow:
    0 0 0 1px rgba(31,122,63,0.14),
    0 18px 40px -16px rgba(31,122,63,0.28);
}
.rt-review:hover {
  border-color: rgba(31,122,63,0.24);
  box-shadow: 0 12px 32px -14px rgba(31,122,63,0.28);
  transform: translateY(-2px);
}

/* Profile card glow (used on /reviews/) */
.rt-profile-card { transition: box-shadow .35s var(--rt-ease), transform .35s var(--rt-ease); }
.rt-profile-card:hover {
  box-shadow:
    0 0 0 1px rgba(31,122,63,0.22),
    0 24px 60px -22px rgba(31,122,63,0.36),
    0 36px 90px -40px rgba(31,122,63,0.28);
  transform: translateY(-2px);
}

/* Hero image frame green-glow on hover */
.rt-hero__split-frame:hover,
.rt-hero__frame:hover {
  box-shadow:
    0 0 0 1px rgba(31,122,63,0.20),
    0 28px 70px -24px rgba(31,122,63,0.34),
    var(--rt-shadow-3);
}

/* Meet Richard photo hover */
.rt-meet__photo:hover::after { box-shadow: inset 0 0 0 4px rgba(31,122,63,0.30); }

/* Buttons — primary, green, accent all get a green glow */
.rt-btn--primary:hover {
  box-shadow: 0 0 24px -4px rgba(31,122,63,0.35), 0 12px 32px -10px rgba(0,0,0,0.45);
}
.rt-btn--green:hover {
  box-shadow: 0 0 28px -2px rgba(31,122,63,0.55), 0 14px 36px -10px rgba(31,122,63,0.65);
}
.rt-btn--accent:hover {
  box-shadow: 0 0 28px -2px rgba(31,122,63,0.55), 0 14px 36px -10px rgba(31,122,63,0.65);
}
.rt-btn--ghost:hover, .rt-btn--outline:hover {
  box-shadow: 0 0 18px -2px rgba(31,122,63,0.22);
}
.rt-btn--ghost-light:hover {
  box-shadow: 0 0 22px -2px rgba(31,122,63,0.30);
}

/* Loan-option card-arrow links + nav links — subtle glow on hover */
.rt-card.is-link:hover .rt-card__arrow { color: var(--rt-green-700); }
.rt-nav a:hover {
  background: rgba(31,122,63,0.10);
  box-shadow: 0 0 20px -4px rgba(31,122,63,0.22);
}

/* Header phone link green glow */
.rt-header__phone { transition: color .2s, text-shadow .2s; }
.rt-header__phone:hover {
  color: var(--rt-green);
  text-shadow: 0 0 12px rgba(31,122,63,0.25);
}

/* FAQ items get green-glow when open */
.rt-faq__item[open] { background: rgba(31,122,63,0.03); }
.rt-faq__item[open] .rt-faq__q { color: var(--rt-green); }

/* Floating chat bubble — pulsing green halo when idle */
.rt-chat__toggle {
  position: relative;
}
.rt-chat__toggle::before {
  content: "";
  position: absolute; inset: -6px;
  border-radius: 999px;
  box-shadow: 0 0 0 0 rgba(31,122,63,0.45);
  animation: rtChatPulse 2.4s ease-out infinite;
  pointer-events: none;
}
.rt-chat[data-open="true"] .rt-chat__toggle::before { animation: none; }
@keyframes rtChatPulse {
  0%   { box-shadow: 0 0 0 0 rgba(31,122,63,0.30); opacity: 0.9; }
  70%  { box-shadow: 0 0 0 18px rgba(31,122,63,0); opacity: 0; }
  100% { box-shadow: 0 0 0 0 rgba(31,122,63,0); opacity: 0; }
}

/* ----------- 19b. Modal (used by Buy or Sell Your Next Home) ------- */
.rt-modal[hidden] { display: none; }
.rt-modal {
  position: fixed; inset: 0;
  z-index: 250;
  display: flex; align-items: center; justify-content: center;
  padding: 24px;
  opacity: 0;
  transition: opacity .25s var(--rt-ease);
  pointer-events: none;
}
.rt-modal[data-open="true"] {
  opacity: 1;
  pointer-events: auto;
}
.rt-modal__backdrop {
  position: absolute; inset: 0;
  background: rgba(0,0,0,0.55);
  backdrop-filter: blur(6px);
  -webkit-backdrop-filter: blur(6px);
}
.rt-modal__panel {
  position: relative;
  width: 100%; max-width: 540px;
  max-height: 92vh; overflow-y: auto;
  background: #fff;
  border-radius: var(--rt-radius-xl);
  box-shadow: 0 28px 80px -20px rgba(0,0,0,0.45), 0 12px 24px -10px rgba(0,0,0,0.20);
  border: 1px solid var(--rt-line);
  padding: clamp(22px, 3vw, 32px);
  transform: translateY(20px) scale(0.96);
  transition: transform .3s var(--rt-ease);
}
.rt-modal[data-open="true"] .rt-modal__panel {
  transform: translateY(0) scale(1);
}
.rt-modal__close {
  position: absolute; top: 14px; right: 14px;
  width: 36px; height: 36px;
  border-radius: 999px; border: 0;
  background: rgba(0,0,0,0.05);
  color: var(--rt-ink);
  cursor: pointer;
  display: flex; align-items: center; justify-content: center;
  transition: background .2s, color .2s;
}
.rt-modal__close:hover { background: rgba(31,122,63,0.10); color: var(--rt-green); }
.rt-modal__close svg { width: 16px; height: 16px; }
.rt-modal__header { padding-right: 40px; margin-bottom: 18px; }
.rt-modal__header h2 { font-size: clamp(1.4rem, 2.5vw, 1.75rem); margin: 0; color: var(--rt-green); }
.rt-modal__form { display: grid; gap: 14px; }
.rt-modal__form label { display: grid; gap: 6px; }
.rt-modal__form label > span {
  font-size: .82rem; font-weight: 600; color: var(--rt-ink-soft);
}
.rt-modal__form input {
  width: 100%; padding: 12px 14px; border-radius: 12px;
  border: 1px solid var(--rt-line); background: #fff;
  font: inherit; color: var(--rt-ink);
  transition: border-color .15s, box-shadow .15s;
}
.rt-modal__form input:focus {
  border-color: var(--rt-green-300);
  box-shadow: 0 0 0 4px rgba(44,154,85,0.16);
  outline: none;
}
.rt-modal__fieldset { border: 0; padding: 0; margin: 4px 0 0; }
.rt-modal__fieldset legend {
  font-size: .82rem; font-weight: 600; color: var(--rt-ink-soft);
  padding: 0; margin-bottom: 8px;
}
.rt-modal__choices { display: grid; gap: 8px; }
.rt-modal__error {
  display: none;
  font-size: .85rem; color: var(--rt-danger);
  padding: 8px 10px;
  background: rgba(179,38,30,0.06);
  border: 1px solid rgba(179,38,30,0.18);
  border-radius: 8px;
}
.rt-modal__error.is-visible { display: block; }
.rt-modal__success {
  text-align: center; padding: 16px 8px 8px;
}
.rt-modal__success-icon {
  width: 64px; height: 64px; border-radius: 50%;
  background: rgba(31,122,63,0.10); color: var(--rt-green);
  display: inline-flex; align-items: center; justify-content: center;
  margin-bottom: 18px;
}
.rt-modal__success-icon svg { width: 28px; height: 28px; }
.rt-modal__success h3 { font-size: 1.45rem; margin: 0 0 8px; color: var(--rt-green); }
.rt-modal__success p { color: var(--rt-muted); }
.rt-modal__success-actions { display: grid; gap: 10px; margin-top: 22px; }
.rt-modal__success-actions .rt-btn { width: 100%; }
@media (max-width: 480px) {
  .rt-modal { padding: 12px; }
  .rt-modal__panel { padding: 20px; max-height: 96vh; }
}

/* ==================================================================
 * 20. Comprehensive mobile optimization
 * ================================================================== */

/* iOS / cross-device base improvements */
html { -webkit-text-size-adjust: 100%; text-size-adjust: 100%; }
body {
  -webkit-tap-highlight-color: rgba(31,122,63,0.18);
  -webkit-overflow-scrolling: touch;
  overscroll-behavior-y: none;
}
img, picture, svg, video { max-width: 100%; }
* { min-width: 0; }    /* prevent flex-children from forcing horizontal overflow */
input, textarea, select, button { font-family: inherit; }
/* Prevent iOS Safari from zooming into form fields when font-size < 16px */
@media (max-width: 720px) {
  input, textarea, select, .rt-funnel__field input,
  .rt-calc input, .rt-form input, .rt-form textarea, .rt-form select,
  .rt-chat__form input, .rt-chat__form textarea {
    font-size: 16px !important;
  }
}

/* Touch targets: every interactive thing should be at least 44×44 on mobile */
@media (max-width: 720px) {
  .rt-btn, .rt-nav a, .rt-mobile-nav a, .rt-card.is-link, .rt-goal,
  .rt-card__arrow, .rt-card__icon, .rt-faq__q, .rt-funnel__choice,
  .rt-blog-list__item, .rt-post {
    min-height: 44px;
  }
  .rt-faq__q { padding-top: 18px; padding-bottom: 18px; }
  .rt-mobile-nav a { padding: 16px 12px; font-size: 1.05rem; }
}

/* Tighter section padding on mobile so content doesn't feel inflated */
@media (max-width: 720px) {
  .rt-section { padding: 48px 0; }
  .rt-section.is-tight { padding: 32px 0; }
  .rt-section-head { margin-bottom: 32px; }
  .rt-container { padding-left: 18px; padding-right: 18px; }
}

/* Hero typography that scales correctly without overflow */
@media (max-width: 720px) {
  h1 { font-size: clamp(2rem, 8vw, 2.6rem); letter-spacing: -0.025em; }
  h2 { font-size: clamp(1.6rem, 6vw, 2rem); }
  h3 { font-size: clamp(1.15rem, 4.5vw, 1.4rem); }
  .lead { font-size: 1rem; line-height: 1.55; }
  .rt-hero__inner { padding-top: 40px !important; padding-bottom: 32px !important; }
  .rt-hero__actions { flex-direction: column; align-items: stretch; gap: 10px; }
  .rt-hero__actions .rt-btn { width: 100%; justify-content: center; }
  .rt-hero__trust { justify-content: center; gap: 12px 18px; }
  .rt-hero__trust-item { font-size: .85rem; }
  .rt-hero--image { min-height: 480px; }
  .rt-hero--image .rt-hero__inner { padding: 60px 0 48px !important; }
  .rt-hero--image h1 { color: #fff !important; max-width: 100%; }
}

/* Sticky header — slimmer on mobile to give content more room */
@media (max-width: 720px) {
  .rt-header__inner { min-height: 56px; padding: 10px 0; }
  .rt-logo img { height: 32px; }
  .rt-anchor-offset { scroll-margin-top: 72px; }
}

/* Marquee on mobile — slow it down a touch and tighten spacing */
@media (max-width: 720px) {
  .rt-marquee__track { animation-duration: 28s; }
  .rt-marquee__group { gap: 20px; padding: 9px 12px; }
  .rt-marquee__item { font-size: .85rem; }
  .rt-marquee__item svg { width: 14px; height: 14px; }
  .rt-marquee::before, .rt-marquee::after { width: 40px; }
}

/* Goal cards: 2 columns on tablet, 1 on phone */
@media (max-width: 760px) {
  .rt-goals { gap: 12px; }
  .rt-goal { padding: 22px; }
  .rt-goal__icon { width: 44px; height: 44px; margin-bottom: 14px; }
  .rt-goal__icon svg { width: 22px; height: 22px; }
  .rt-goal h3 { font-size: 1.1rem; }
}

/* Cards / grids — ensure single-column at narrow widths */
@media (max-width: 560px) {
  .rt-grid--2, .rt-grid--3, .rt-grid--4 { grid-template-columns: 1fr; gap: 12px; }
  .rt-card { padding: 20px; }
  .rt-card__icon { width: 40px; height: 40px; }
}

/* Trust strip / partner card */
@media (max-width: 720px) {
  .rt-trust-strip { gap: 14px 22px; padding: 22px 18px; flex-direction: column; align-items: flex-start; }
  .rt-trust-strip__item { font-size: .9rem; }
  .rt-partners { padding: 20px 16px; }
  .rt-partners__logo img { max-height: 96px; max-width: 280px; }
}

/* Steps / how-it-works */
@media (max-width: 560px) {
  .rt-steps { gap: 12px; }
  .rt-step { padding: 18px; }
}

/* Hero split layout: Richard's photo / loan home image */
@media (max-width: 960px) {
  .rt-hero__split-layout { grid-template-columns: 1fr; gap: 24px; }
  .rt-hero--split .rt-hero__inner { padding: 48px 0 8px; }
  .rt-hero__split-visual { padding: 0; }
  .rt-hero__split-frame { transform: rotate(0deg); }
}

/* Meet Richard section */
@media (max-width: 760px) {
  .rt-meet { gap: 24px; text-align: center; }
  .rt-meet__copy h2 { font-size: 1.6rem; }
  .rt-meet__actions { justify-content: center; gap: 8px; }
  .rt-meet__actions .rt-btn { flex: 1 1 100%; max-width: 100%; }
}

/* Profile card on /reviews/ */
@media (max-width: 560px) {
  .rt-profile-card { max-width: 280px; padding: 18px; }
  .rt-profile-card__logo { height: 26px; }
}

/* Funnel forms — multi-step UI on mobile */
@media (max-width: 720px) {
  .rt-funnel-form-shell { padding: 18px !important; }
  .rt-funnel__question { font-size: 1.35rem; }
  .rt-funnel__choices { gap: 8px; }
  .rt-funnel__choice { padding: 14px; }
  .rt-funnel__choice-label { font-size: .96rem; }
  .rt-funnel__actions { gap: 10px; flex-direction: column-reverse; padding-top: 16px; }
  .rt-funnel__actions .rt-btn { width: 100%; min-width: 0; }
  .rt-funnel__slider-value { font-size: 1.6rem; }
  .rt-funnel__progress-label { font-size: .8rem; }
}

/* Mortgage calculator on mobile */
@media (max-width: 560px) {
  .rt-calc { padding: 18px; }
  .rt-calc__result { padding: 18px; }
  .rt-calc__result-amount { font-size: 1.9rem; }
}

/* FAQ accordion */
@media (max-width: 720px) {
  .rt-faq__q { font-size: 1rem; padding-right: 36px; }
  .rt-faq__a { font-size: .95rem; padding-bottom: 18px; }
}

/* Blog hero & post body */
@media (max-width: 720px) {
  .rt-blog-hero h1 { font-size: clamp(1.7rem, 6vw, 2.2rem); max-width: 100%; }
  .rt-blog-hero__image { aspect-ratio: 16 / 10; margin-left: 12px; margin-right: 12px; }
  .rt-blog-body { font-size: 1rem; line-height: 1.7; }
  .rt-blog-body h2 { font-size: 1.4rem; }
  .rt-blog-body h3 { font-size: 1.15rem; }
}

/* Footer */
@media (max-width: 720px) {
  .rt-footer { padding: 48px 0 24px; }
  .rt-footer__grid { gap: 28px; padding-bottom: 28px; grid-template-columns: 1fr 1fr; }
  .rt-footer__brand { grid-column: 1 / -1; }
  .rt-footer__legal { flex-direction: column; align-items: flex-start; gap: 12px; }
  .rt-footer__compliance { font-size: .78rem; line-height: 1.6; }
}
@media (max-width: 480px) {
  .rt-footer__grid { grid-template-columns: 1fr; }
}

/* Chat bubble */
@media (max-width: 480px) {
  .rt-chat { right: 12px; bottom: 12px; }
  .rt-chat__panel { width: calc(100vw - 24px); max-width: 380px; }
  .rt-chat__form { padding: 14px 16px 18px; }
  .rt-chat__header { padding: 14px 16px 12px; }
}

/* Hero segmented CTAs (homepage 3-button row) */
@media (max-width: 720px) {
  .rt-hero--image .rt-hero__segmented { gap: 8px; margin-top: 24px; }
  .rt-hero--image .rt-hero__segmented .rt-btn { font-size: .98rem; padding: 14px 18px; }
  .rt-hero--image .rt-hero__phone-link { font-size: .9rem; }
}

/* Header — eliminate horizontal scroll on tiny screens */
@media (max-width: 360px) {
  .rt-header__cta .rt-btn--primary { padding: 10px 14px; font-size: .9rem; }
  .rt-logo img { height: 28px; }
}

/* iOS Safari notch + home-indicator safe areas */
@supports (padding: env(safe-area-inset-bottom)) {
  .rt-chat { bottom: max(12px, env(safe-area-inset-bottom)); right: max(12px, env(safe-area-inset-right)); }
  .rt-mobile-nav__inner { padding-bottom: max(24px, env(safe-area-inset-bottom)); }
  .rt-footer { padding-bottom: max(32px, env(safe-area-inset-bottom)); }
}

/* Reduced motion — disable all the new flowline + pulse animations */
@media (prefers-reduced-motion: reduce) {
  * { animation-duration: 0.01ms !important; transition-duration: 0.01ms !important; scroll-behavior: auto !important; }
  .rt-hero:not(.rt-hero--image)::before,
  .rt-section.is-ink::before,
  .rt-hero:not(.rt-hero--image)::after,
  .rt-chat__toggle::before { animation: none !important; }
}