/* ═══════════════════════════════════════════════════════════════════════════
   CFS Site Styles — Credence Financial Services
   ═══════════════════════════════════════════════════════════════════════════ */

/* ─── FONTS ─── */
@font-face {
    font-family: 'Montserrat';
    font-style: normal;
    font-weight: 400;
    font-display: swap;
    src: url('fonts/montserrat-v31-latin-regular.woff2') format('woff2');
}
@font-face {
    font-family: 'Montserrat';
    font-style: normal;
    font-weight: 500;
    font-display: swap;
    src: url('fonts/montserrat-v31-latin-500.woff2') format('woff2');
}
@font-face {
    font-family: 'Montserrat';
    font-style: normal;
    font-weight: 600;
    font-display: swap;
    src: url('fonts/montserrat-v31-latin-600.woff2') format('woff2');
}
@font-face {
    font-family: 'Montserrat';
    font-style: normal;
    font-weight: 700;
    font-display: swap;
    src: url('fonts/montserrat-v31-latin-700.woff2') format('woff2');
}
@font-face {
    font-family: 'Montserrat';
    font-style: normal;
    font-weight: 800;
    font-display: swap;
    src: url('fonts/montserrat-v31-latin-800.woff2') format('woff2');
}
@font-face {
    font-family: 'Lora';
    font-style: normal;
    font-weight: 400;
    font-display: swap;
    src: url('fonts/lora-v37-latin-regular.woff2') format('woff2');
}
@font-face {
    font-family: 'Lora';
    font-style: normal;
    font-weight: 500;
    font-display: swap;
    src: url('fonts/lora-v37-latin-500.woff2') format('woff2');
}
@font-face {
    font-family: 'Lora';
    font-style: italic;
    font-weight: 400;
    font-display: swap;
    src: url('fonts/lora-v37-latin-italic.woff2') format('woff2');
}

/* ─── DESIGN TOKENS ─── */
:root {
    /* Brand palette */
    --cfs-blue: #1c4885;
    --cfs-gold: #f59e0b;
    --cfs-white: #ffffff;
    --cfs-gray: #f3f4f6;
    --cfs-text: #1f2937;

    /* Functional extensions */
    --cfs-blue-dark: #132f5a;
    --cfs-blue-light: #e8eef7;
    --cfs-gold-dark: #d97706;
    --cfs-gray-dark: #374151;
    --cfs-gray-50: #f9fafb;
    --cfs-gray-100: #f3f4f6;
    --cfs-gray-200: #e5e7eb;
    --cfs-gray-400: #9ca3af;
    --cfs-gray-600: #4b5563;

    --cfs-radius: 6px;
    --cfs-radius-lg: 12px;
    --cfs-shadow-sm: 0 1px 3px rgba(0,0,0,.08), 0 1px 2px rgba(0,0,0,.05);
    --cfs-shadow-md: 0 4px 16px rgba(0,0,0,.10), 0 2px 6px rgba(0,0,0,.06);
    --cfs-shadow-lg: 0 12px 40px rgba(0,0,0,.12), 0 4px 12px rgba(0,0,0,.06);
    --cfs-max-w: 1120px;
    --cfs-section-py: 88px;
}

/* ─── NAVBAR ─── */
.site-navbar {
    background-color: var(--cfs-blue);
    border-bottom: 3px solid var(--cfs-gold);
    box-shadow: 0 2px 12px rgba(0,0,0,.2);
    position: sticky;
    top: 0;
    z-index: 100;
}

.site-navbar .navbar-toggler-icon {
    filter: invert(1);
}

.site-navbar-brand {
    color: var(--cfs-white) !important;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
}

.site-navbar-logo {
    height: 40px;
}

.site-navbar .nav-link {
    font-family: 'Montserrat', sans-serif;
    font-size: .78rem;
    font-weight: 600;
    letter-spacing: .06em;
    text-transform: uppercase;
    color: rgba(255,255,255,.8) !important;
    padding: 6px 10px;
    border-radius: 4px;
    transition: color .15s, background .15s;
}

.site-navbar .nav-link:hover {
    color: var(--cfs-white) !important;
    background: rgba(255,255,255,.1);
}

.site-navbar-cta {
    background: var(--cfs-gold);
    color: #1a1a1a;
    font-family: 'Montserrat', sans-serif;
    font-size: .8rem;
    font-weight: 600;
    letter-spacing: .04em;
    padding: 8px 20px;
    border-radius: 4px;
    transition: background .15s, transform .15s;
}

.site-navbar-cta:hover {
    background: var(--cfs-gold-dark);
    color: #1a1a1a;
    transform: translateY(-1px);
    text-decoration: none;
}

.site-navbar-login {
    background-color: var(--cfs-gray);
    color: var(--cfs-blue) !important;
    border-radius: 4px;
    padding: 0.4rem 1.2rem;
}

.avatar-circle {
    background-color: var(--cfs-gray);
    color: var(--cfs-blue);
}

/* ═══════════════════════════════════════════════════════════════════════════
   PUBLIC SITE SECTIONS — scoped under .cfs-public
   ═══════════════════════════════════════════════════════════════════════════ */

.cfs-public {
    font-family: 'Montserrat', sans-serif;
    color: var(--cfs-text);
    -webkit-font-smoothing: antialiased;
}

html { scroll-behavior: smooth; }

/* ─── TYPOGRAPHY ─── */
.cfs-public h1,
.cfs-public h2,
.cfs-public h3,
.cfs-public h4 {
    font-family: 'Montserrat', sans-serif;
    font-weight: 700;
    line-height: 1.15;
    color: var(--cfs-blue);
}

.cfs-public p { line-height: 1.75; }
.cfs-public .lora { font-family: 'Lora', Georgia, serif; }

/* ─── CONTAINER ─── */
.cfs-public .cfs-container {
    max-width: var(--cfs-max-w);
    margin: 0 auto;
    padding: 0 32px;
}

/* ─── SECTION LABELS ─── */
.cfs-public .section-label {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-size: .7rem;
    font-weight: 700;
    letter-spacing: .14em;
    text-transform: uppercase;
    color: var(--cfs-gold);
    margin-bottom: 14px;
}
.cfs-public .section-label::before {
    content: '';
    display: block;
    width: 24px;
    height: 2px;
    background: var(--cfs-gold);
    border-radius: 2px;
}
.cfs-public .section-label.dark { color: var(--cfs-blue); }
.cfs-public .section-label.dark::before { background: var(--cfs-blue); }

/* ─── IMAGE PLACEHOLDERS ─── */
.cfs-public .img-slot {
    display: flex;
    flex-direction: column;
    align-items: center;
    justify-content: center;
    border: 2px dashed #22c55e;
    border-radius: var(--cfs-radius-lg);
    background: rgba(34,197,94,.04);
    color: #16a34a;
    font-family: 'Montserrat', sans-serif;
    font-size: .75rem;
    font-weight: 600;
    letter-spacing: .06em;
    text-transform: uppercase;
    text-align: center;
    line-height: 1.5;
    padding: 20px;
}
.cfs-public .img-slot svg { width: 28px; height: 28px; margin-bottom: 8px; opacity: .6; }

/* ─── BUTTONS ─── */
.cfs-public .btn {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    font-family: 'Montserrat', sans-serif;
    font-weight: 600;
    font-size: .875rem;
    letter-spacing: .03em;
    text-decoration: none;
    border: none;
    cursor: pointer;
    border-radius: var(--cfs-radius);
    padding: 14px 28px;
    transition: all .2s ease;
    white-space: nowrap;
}
.cfs-public .btn svg { width: 18px; height: 18px; flex-shrink: 0; }
.cfs-public .btn-primary {
    background: var(--cfs-gold);
    color: #1a1a1a;
    box-shadow: 0 2px 8px rgba(245,158,11,.35);
}
.cfs-public .btn-primary:hover {
    background: var(--cfs-gold-dark);
    color: #1a1a1a;
    box-shadow: 0 4px 16px rgba(245,158,11,.45);
    transform: translateY(-1px);
}
.cfs-public .btn-outline {
    background: transparent;
    color: var(--cfs-white);
    border: 2px solid rgba(255,255,255,.5);
}
.cfs-public .btn-outline:hover {
    border-color: var(--cfs-white);
    color: var(--cfs-white);
    background: rgba(255,255,255,.08);
}
.cfs-public .btn-outline-navy {
    background: transparent;
    color: var(--cfs-blue);
    border: 2px solid var(--cfs-blue);
}
.cfs-public .btn-outline-navy:hover {
    background: var(--cfs-blue);
    color: var(--cfs-white);
}
.cfs-public .btn-outline-white {
    background: transparent;
    color: var(--cfs-white);
    border: 2px solid rgba(255,255,255,.6);
}
.cfs-public .btn-outline-white:hover {
    background: rgba(255,255,255,.1);
    border-color: var(--cfs-white);
    color: var(--cfs-white);
}
.cfs-public .btn-lg { padding: 17px 36px; font-size: 1rem; }

/* ─── SECTION HEADER ─── */
.cfs-public .section-header { margin-bottom: 56px; }
.cfs-public .section-header h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin-bottom: 16px; }
.cfs-public .section-header p { font-size: 1.05rem; color: var(--cfs-gray-600); max-width: 580px; line-height: 1.75; }

/* ─── HERO ─── */
.cfs-public .hero {
    position: relative;
    overflow: hidden;
    padding: 100px 0 96px;
}
.cfs-public .hero-bg {
    position: absolute;
    inset: 0;
    z-index: 0;
    background-size: cover;
    background-position: center;
}
.cfs-public .hero-bg::after {
    content: '';
    position: absolute;
    inset: 0;
    background:
        linear-gradient(135deg, rgba(19,47,90,.85) 0%, rgba(19,47,90,.65) 100%),
        radial-gradient(ellipse 80% 60% at 70% 40%, rgba(245,158,11,.06) 0%, transparent 60%);
}
.cfs-public .hero-grid {
    position: absolute;
    inset: 0;
    z-index: 0;
    pointer-events: none;
    opacity: .04;
    background-image: linear-gradient(rgba(255,255,255,.6) 1px, transparent 1px),
                       linear-gradient(90deg, rgba(255,255,255,.6) 1px, transparent 1px);
    background-size: 48px 48px;
}
.cfs-public .hero-inner {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1fr 420px;
    gap: 64px;
    align-items: center;
}
.cfs-public .hero-eyebrow {
    display: inline-flex;
    align-items: center;
    gap: 8px;
    background: rgba(245,158,11,.15);
    border: 1px solid rgba(245,158,11,.3);
    color: var(--cfs-gold);
    font-size: .75rem;
    font-weight: 600;
    letter-spacing: .1em;
    text-transform: uppercase;
    padding: 6px 14px;
    border-radius: 100px;
    margin-bottom: 24px;
}
.cfs-public .hero-eyebrow::before {
    content: '';
    width: 6px;
    height: 6px;
    border-radius: 50%;
    background: var(--cfs-gold);
    flex-shrink: 0;
}
.cfs-public .hero h1 {
    font-size: clamp(2.2rem, 4vw, 3.2rem);
    font-weight: 800;
    color: var(--cfs-white);
    line-height: 1.1;
    margin-bottom: 20px;
}
.cfs-public .hero h1 em { font-style: normal; color: var(--cfs-gold); }
.cfs-public .hero-sub {
    font-family: 'Lora', Georgia, serif;
    font-size: 1.15rem;
    color: rgba(255,255,255,.75);
    line-height: 1.7;
    margin-bottom: 36px;
    max-width: 500px;
}
.cfs-public .hero-actions { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 48px; }
.cfs-public .hero-trust { display: flex; gap: 32px; flex-wrap: wrap; }
.cfs-public .trust-item {
    display: flex;
    align-items: center;
    gap: 8px;
    color: rgba(255,255,255,.6);
    font-size: .8rem;
    font-weight: 500;
}
.cfs-public .trust-item svg { color: var(--cfs-gold); width: 16px; height: 16px; flex-shrink: 0; }

/* Hero card */
.cfs-public .hero-card {
    background: rgba(255,255,255,.07);
    border: 1px solid rgba(255,255,255,.12);
    border-radius: var(--cfs-radius-lg);
    padding: 36px;
    backdrop-filter: blur(8px);
}
.cfs-public .hero-card-title {
    font-size: .7rem;
    font-weight: 600;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: var(--cfs-gold);
    margin-bottom: 20px;
}
.cfs-public .hero-card-promise {
    font-family: 'Lora', Georgia, serif;
    font-size: 1.4rem;
    font-style: italic;
    color: var(--cfs-white);
    line-height: 1.45;
    margin-bottom: 24px;
}
.cfs-public .hero-card-divider { border: none; border-top: 1px solid rgba(255,255,255,.12); margin: 24px 0; }
.cfs-public .hero-card-items { display: flex; flex-direction: column; gap: 14px; }
.cfs-public .hero-card-item {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    font-size: .875rem;
    color: rgba(255,255,255,.8);
    line-height: 1.5;
}
.cfs-public .hero-card-item svg { width: 18px; height: 18px; color: var(--cfs-gold); flex-shrink: 0; margin-top: 1px; }

/* ─── SERVICES ─── */
.cfs-public .services { padding: var(--cfs-section-py) 0; background: var(--cfs-gray-50); }
.cfs-public .services-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.cfs-public .service-card {
    background: var(--cfs-white);
    border-radius: var(--cfs-radius-lg);
    padding: 40px 32px;
    border: 1px solid var(--cfs-gray-200);
    box-shadow: var(--cfs-shadow-sm);
    transition: box-shadow .25s, transform .25s;
    position: relative;
    overflow: hidden;
}
.cfs-public .service-card::after {
    content: '';
    position: absolute;
    bottom: 0; left: 0; right: 0;
    height: 3px;
    background: var(--cfs-gold);
    transform: scaleX(0);
    transform-origin: left;
    transition: transform .3s ease;
}
.cfs-public .service-card:hover { box-shadow: var(--cfs-shadow-lg); transform: translateY(-4px); }
.cfs-public .service-card:hover::after { transform: scaleX(1); }
.cfs-public .service-icon {
    width: 52px; height: 52px;
    border-radius: 12px;
    background: var(--cfs-blue-light);
    display: flex;
    align-items: center;
    justify-content: center;
    margin-bottom: 24px;
}
.cfs-public .service-icon svg { width: 26px; height: 26px; color: var(--cfs-blue); }
.cfs-public .service-card h3 { font-size: 1.2rem; margin-bottom: 12px; }
.cfs-public .service-card p { font-size: .925rem; color: var(--cfs-gray-600); line-height: 1.7; margin-bottom: 24px; }
.cfs-public .service-pill {
    display: inline-block;
    font-size: .78rem;
    font-weight: 700;
    letter-spacing: .05em;
    text-transform: uppercase;
    color: var(--cfs-blue);
    text-decoration: none;
    border: 2px solid var(--cfs-blue);
    border-radius: 100px;
    padding: 7px 18px;
    transition: background .18s, color .18s;
}
.cfs-public .service-pill:hover { background: var(--cfs-blue); color: var(--cfs-white); }

/* ─── WHY CREDENCE ─── */
.cfs-public .why { padding: var(--cfs-section-py) 0; background: var(--cfs-white); }
.cfs-public .why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; align-items: center; }
.cfs-public .why-content h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin-bottom: 20px; }
.cfs-public .why-content .intro {
    font-family: 'Lora', Georgia, serif;
    font-size: 1.05rem;
    color: var(--cfs-gray-600);
    line-height: 1.8;
    margin-bottom: 40px;
}
.cfs-public .pillars { display: flex; flex-direction: column; gap: 24px; }
.cfs-public .pillar {
    display: flex;
    gap: 20px;
    align-items: flex-start;
    padding: 24px;
    border-radius: var(--cfs-radius-lg);
    border: 1px solid var(--cfs-gray-200);
    transition: border-color .2s, box-shadow .2s;
}
.cfs-public .pillar:hover { border-color: var(--cfs-blue-light); box-shadow: var(--cfs-shadow-sm); }
.cfs-public .pillar-icon {
    width: 44px; height: 44px;
    border-radius: 10px;
    background: var(--cfs-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.cfs-public .pillar-icon svg { width: 22px; height: 22px; color: var(--cfs-gold); }
.cfs-public .pillar-body h4 { font-size: 1rem; margin-bottom: 6px; }
.cfs-public .pillar-body p { font-size: .9rem; color: var(--cfs-gray-600); line-height: 1.65; }

/* Why visual panel */
.cfs-public .why-visual {
    background: var(--cfs-blue);
    border-radius: var(--cfs-radius-lg);
    padding: 48px 40px;
    position: relative;
    overflow: hidden;
}
.cfs-public .why-visual::before {
    content: '';
    position: absolute;
    top: -60px; right: -60px;
    width: 240px; height: 240px;
    border-radius: 50%;
    background: rgba(245,158,11,.08);
    pointer-events: none;
}
.cfs-public .why-stat { margin-bottom: 32px; }
.cfs-public .why-stat:last-of-type { margin-bottom: 0; }
.cfs-public .why-stat-num { font-size: 3rem; font-weight: 800; color: var(--cfs-white); line-height: 1; margin-bottom: 4px; }
.cfs-public .why-stat-num span { color: var(--cfs-gold); }
.cfs-public .why-stat-label { font-size: .875rem; color: rgba(255,255,255,.65); line-height: 1.5; }
.cfs-public .why-stat-divider { border: none; border-top: 1px solid rgba(255,255,255,.1); margin: 24px 0; }
.cfs-public .why-quote {
    font-family: 'Lora', Georgia, serif;
    font-size: 1.05rem;
    font-style: italic;
    color: rgba(255,255,255,.8);
    line-height: 1.65;
    border-left: 3px solid var(--cfs-gold);
    padding-left: 20px;
    margin-top: 32px;
}

/* ─── HOW IT WORKS ─── */
.cfs-public .how { padding: var(--cfs-section-py) 0; background: var(--cfs-gray-50); }
.cfs-public .how .section-header { text-align: center; }
.cfs-public .how .section-header p { margin: 0 auto; }
.cfs-public .steps {
    display: grid;
    grid-template-columns: repeat(3, 1fr);
    gap: 0;
    position: relative;
    margin-top: 56px;
}
.cfs-public .steps::before {
    content: '';
    position: absolute;
    top: 36px;
    left: calc(16.66% + 20px);
    right: calc(16.66% + 20px);
    height: 2px;
    background: linear-gradient(90deg, var(--cfs-gold) 0%, var(--cfs-blue-light) 100%);
    z-index: 0;
}
.cfs-public .step { text-align: center; padding: 0 32px; position: relative; z-index: 1; }
.cfs-public .step-num {
    width: 72px; height: 72px;
    border-radius: 50%;
    background: var(--cfs-blue);
    color: var(--cfs-white);
    font-size: 1.4rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    margin: 0 auto 28px;
    border: 4px solid var(--cfs-gray-50);
    box-shadow: 0 0 0 3px var(--cfs-blue);
    position: relative;
    z-index: 1;
}
.cfs-public .step-num.active { background: var(--cfs-gold); color: #1a1a1a; box-shadow: 0 0 0 3px var(--cfs-gold); }
.cfs-public .step h3 { font-size: 1.1rem; margin-bottom: 12px; }
.cfs-public .step p { font-size: .9rem; color: var(--cfs-gray-600); line-height: 1.7; }

/* ─── CREDENCE QUOTE ─── */
.cfs-public .quote-section {
    padding: var(--cfs-section-py) 0;
    background: var(--cfs-blue);
    position: relative;
    overflow: hidden;
}
.cfs-public .quote-section::before {
    content: '';
    position: absolute;
    inset: 0;
    background: radial-gradient(ellipse 70% 80% at 100% 50%, rgba(245,158,11,.07) 0%, transparent 60%);
    pointer-events: none;
}
.cfs-public .quote-inner {
    position: relative;
    z-index: 1;
    display: grid;
    grid-template-columns: 1fr 1fr;
    gap: 72px;
    align-items: start;
}
.cfs-public .quote-content .section-label { color: var(--cfs-gold); }
.cfs-public .quote-content h2 { color: var(--cfs-white); font-size: clamp(1.7rem, 3vw, 2.3rem); margin-bottom: 20px; }
.cfs-public .quote-content p { color: rgba(255,255,255,.75); font-size: 1rem; line-height: 1.8; margin-bottom: 16px; }
.cfs-public .tagline-quote {
    font-family: 'Lora', Georgia, serif;
    font-size: 1.05rem;
    font-style: italic;
    color: rgba(255,255,255,.9);
    line-height: 1.65;
    border-left: 3px solid var(--cfs-gold);
    padding: 16px 20px;
    background: rgba(255,255,255,.05);
    border-radius: 0 var(--cfs-radius) var(--cfs-radius) 0;
    margin: 24px 0;
}

/* Quote panel */
.cfs-public .quote-panel {
    background: var(--cfs-white);
    border-radius: var(--cfs-radius-lg);
    overflow: hidden;
    box-shadow: var(--cfs-shadow-lg);
}
.cfs-public .quote-panel-header {
    background: var(--cfs-gold);
    padding: 16px 24px;
    display: flex;
    align-items: center;
    gap: 10px;
}
.cfs-public .quote-panel-header svg { width: 20px; height: 20px; color: #1a1a1a; }
.cfs-public .quote-panel-header span { font-size: .82rem; font-weight: 700; color: #1a1a1a; letter-spacing: .03em; }
.cfs-public .quote-section-label {
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    padding: 10px 20px 6px;
    color: var(--cfs-gray-400);
    border-bottom: 1px solid var(--cfs-gray-100);
}
.cfs-public .quote-section-label.committed { color: var(--cfs-blue); background: rgba(28,72,133,.04); }
.cfs-public .quote-panel-body { padding: 4px 0; }
.cfs-public .quote-row {
    display: flex;
    justify-content: space-between;
    align-items: center;
    padding: 9px 20px;
    font-size: .855rem;
    border-bottom: 1px solid var(--cfs-gray-100);
}
.cfs-public .quote-row:last-child { border-bottom: none; }
.cfs-public .quote-row-label { color: var(--cfs-gray-600); font-weight: 500; }
.cfs-public .quote-row-value { font-weight: 700; color: var(--cfs-text); }
.cfs-public .quote-row-value.highlight { color: var(--cfs-blue); }
.cfs-public .quote-row-source {
    font-size: .72rem;
    color: var(--cfs-gray-400);
    font-weight: 400;
    font-style: italic;
    text-align: right;
    max-width: 160px;
    line-height: 1.4;
}
.cfs-public .quote-subtotal {
    display: flex;
    justify-content: space-between;
    padding: 11px 20px;
    background: var(--cfs-gray-50);
    border-top: 2px solid var(--cfs-gray-200);
}
.cfs-public .quote-subtotal span { font-size: .855rem; font-weight: 700; color: var(--cfs-blue); }
.cfs-public .quote-grand-total { display: flex; justify-content: space-between; padding: 14px 20px; background: var(--cfs-blue); }
.cfs-public .quote-grand-total span { font-size: .9rem; font-weight: 700; color: var(--cfs-white); }
.cfs-public .quote-grand-total span:last-child { color: var(--cfs-gold); font-size: 1rem; }
.cfs-public .quote-panel-note {
    background: var(--cfs-gray-50);
    padding: 14px 20px;
    font-size: .78rem;
    color: var(--cfs-gray-600);
    line-height: 1.6;
    display: flex;
    gap: 10px;
    align-items: flex-start;
    border-top: 1px solid var(--cfs-gray-200);
}
.cfs-public .quote-panel-note svg { width: 15px; height: 15px; color: var(--cfs-blue); flex-shrink: 0; margin-top: 1px; }

/* ─── RATE WATCH ─── */
.cfs-public .ratewatch { padding: var(--cfs-section-py) 0; background: var(--cfs-white); }
.cfs-public .ratewatch-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: center; }
.cfs-public .ratewatch-content h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin-bottom: 20px; }
.cfs-public .ratewatch-content .intro {
    font-family: 'Lora', Georgia, serif;
    font-size: 1.05rem;
    color: var(--cfs-gray-600);
    line-height: 1.8;
    margin-bottom: 32px;
}
.cfs-public .ratewatch-promise {
    background: var(--cfs-blue-light);
    border-left: 4px solid var(--cfs-blue);
    border-radius: 0 var(--cfs-radius-lg) var(--cfs-radius-lg) 0;
    padding: 20px 24px;
    margin-bottom: 32px;
    font-size: .95rem;
    color: var(--cfs-blue);
    line-height: 1.7;
    font-weight: 500;
}
.cfs-public .ratewatch-features { display: flex; flex-direction: column; gap: 18px; margin-bottom: 36px; }
.cfs-public .ratewatch-feature { display: flex; gap: 14px; align-items: flex-start; }
.cfs-public .ratewatch-feature-icon {
    width: 38px; height: 38px;
    border-radius: 8px;
    background: var(--cfs-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.cfs-public .ratewatch-feature-icon svg { width: 18px; height: 18px; color: var(--cfs-gold); }
.cfs-public .ratewatch-feature-body h4 { font-size: .95rem; margin-bottom: 4px; }
.cfs-public .ratewatch-feature-body p { font-size: .875rem; color: var(--cfs-gray-600); line-height: 1.6; }

/* Rate Watch signup card */
.cfs-public .ratewatch-signup-card {
    background: var(--cfs-blue);
    border-radius: var(--cfs-radius-lg);
    padding: 36px;
    display: flex;
    flex-direction: column;
}
.cfs-public .ratewatch-signup-header h3 { color: var(--cfs-white); font-size: 1.2rem; margin-bottom: 10px; }
.cfs-public .ratewatch-signup-header p { color: rgba(255,255,255,.65); font-size: .9rem; line-height: 1.65; margin-bottom: 28px; }
.cfs-public .ratewatch-signup-steps { display: flex; flex-direction: column; gap: 20px; margin-bottom: 28px; }
.cfs-public .rw-step { display: flex; gap: 16px; align-items: flex-start; }
.cfs-public .rw-step-num {
    width: 32px; height: 32px;
    border-radius: 50%;
    background: var(--cfs-gold);
    color: #1a1a1a;
    font-size: .875rem;
    font-weight: 800;
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    margin-top: 2px;
}
.cfs-public .rw-step-body { font-size: .875rem; line-height: 1.6; }
.cfs-public .rw-step-body strong { display: block; color: var(--cfs-white); margin-bottom: 3px; }
.cfs-public .rw-step-body span { color: rgba(255,255,255,.6); }

/* ─── FOR REALTORS ─── */
.cfs-public .realtors { padding: var(--cfs-section-py) 0; background: var(--cfs-gray-50); }
.cfs-public .realtors-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; align-items: start; }
.cfs-public .realtors-content h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin-bottom: 20px; }
.cfs-public .realtors-content .intro {
    font-family: 'Lora', Georgia, serif;
    font-size: 1.05rem;
    color: var(--cfs-gray-600);
    line-height: 1.8;
    margin-bottom: 28px;
}
.cfs-public .realtor-pitch {
    background: var(--cfs-white);
    border-left: 4px solid var(--cfs-blue);
    border-radius: 0 var(--cfs-radius-lg) var(--cfs-radius-lg) 0;
    padding: 20px 24px;
    margin-bottom: 28px;
    font-family: 'Lora', Georgia, serif;
    font-style: italic;
    font-size: 1rem;
    color: var(--cfs-blue);
    line-height: 1.7;
    box-shadow: var(--cfs-shadow-sm);
}
.cfs-public .realtor-benefits { display: flex; flex-direction: column; gap: 16px; margin-bottom: 28px; }
.cfs-public .realtor-benefit { display: flex; gap: 14px; align-items: flex-start; }
.cfs-public .realtor-benefit-icon {
    width: 36px; height: 36px;
    border-radius: 8px;
    background: var(--cfs-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.cfs-public .realtor-benefit-icon svg { width: 18px; height: 18px; color: var(--cfs-gold); }
.cfs-public .realtor-benefit-body h4 { font-size: .95rem; margin-bottom: 4px; }
.cfs-public .realtor-benefit-body p { font-size: .875rem; color: var(--cfs-gray-600); line-height: 1.6; }
.cfs-public .realtor-portal-teaser {
    background: var(--cfs-blue);
    border-radius: var(--cfs-radius-lg);
    padding: 24px 28px;
    margin-top: 8px;
}
.cfs-public .realtor-portal-teaser h4 {
    color: var(--cfs-gold);
    font-size: .85rem;
    letter-spacing: .06em;
    text-transform: uppercase;
    margin-bottom: 10px;
}
.cfs-public .realtor-portal-teaser p { color: rgba(255,255,255,.7); font-size: .875rem; line-height: 1.65; }
.cfs-public .realtor-portal-teaser a { color: var(--cfs-gold); font-weight: 600; }

/* Pre-approval explainer */
.cfs-public .prequal-explainer {
    background: var(--cfs-white);
    border: 1px solid var(--cfs-gray-200);
    border-radius: var(--cfs-radius-lg);
    overflow: hidden;
    box-shadow: var(--cfs-shadow-sm);
}
.cfs-public .prequal-header { background: var(--cfs-blue); padding: 18px 24px; }
.cfs-public .prequal-header h3 { color: var(--cfs-white); font-size: 1rem; }
.cfs-public .prequal-header p { color: rgba(255,255,255,.6); font-size: .8rem; margin-top: 4px; }
.cfs-public .prequal-tiers { padding: 4px 0; }
.cfs-public .prequal-tier { padding: 16px 20px; border-bottom: 1px solid var(--cfs-gray-100); display: flex; gap: 14px; align-items: flex-start; }
.cfs-public .prequal-tier:last-child { border-bottom: none; }
.cfs-public .prequal-tier-badge {
    font-size: .68rem;
    font-weight: 700;
    letter-spacing: .06em;
    padding: 3px 9px;
    border-radius: 100px;
    white-space: nowrap;
    flex-shrink: 0;
    margin-top: 2px;
}
.cfs-public .badge-weak   { background: #fee2e2; color: #b91c1c; }
.cfs-public .badge-ok     { background: #fef9c3; color: #a16207; }
.cfs-public .badge-strong { background: #dcfce7; color: #15803d; }
.cfs-public .prequal-tier-body h4 { font-size: .875rem; margin-bottom: 4px; }
.cfs-public .prequal-tier-body p { font-size: .815rem; color: var(--cfs-gray-600); line-height: 1.55; }

/* Realtor education callout */
.cfs-public .realtor-education {
    padding: 18px 22px;
    background: var(--cfs-blue-light);
    border-radius: var(--cfs-radius-lg);
    margin-top: 18px;
}
.cfs-public .realtor-education p:first-child { font-size: .875rem; color: var(--cfs-blue); font-weight: 600; margin-bottom: 6px; }
.cfs-public .realtor-education p:last-child { font-size: .825rem; color: var(--cfs-gray-600); line-height: 1.6; }
.cfs-public .realtor-education a { color: var(--cfs-blue); font-weight: 700; text-decoration: none; }

/* ─── ABOUT ─── */
.cfs-public .about { padding: var(--cfs-section-py) 0; background: var(--cfs-white); }
.cfs-public .about-grid { display: grid; grid-template-columns: 1fr 400px; gap: 72px; align-items: start; }
.cfs-public .about-content h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin-bottom: 24px; }
.cfs-public .about-content p { font-size: 1rem; color: var(--cfs-gray-600); line-height: 1.8; margin-bottom: 16px; }
.cfs-public .about-content p strong { color: var(--cfs-text); }
.cfs-public .about-team { display: flex; flex-direction: column; gap: 14px; margin-top: 32px; }
.cfs-public .team-member {
    background: var(--cfs-gray-50);
    border: 1px solid var(--cfs-gray-200);
    border-radius: var(--cfs-radius-lg);
    padding: 18px 22px;
    display: flex;
    gap: 16px;
    align-items: flex-start;
}
.cfs-public .team-avatar {
    width: 42px; height: 42px;
    border-radius: 50%;
    background: var(--cfs-blue);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
    font-size: .875rem;
    font-weight: 700;
    color: var(--cfs-gold);
}
.cfs-public .team-info h4 { font-size: .9rem; margin-bottom: 3px; }
.cfs-public .team-info p { font-size: .8rem; color: var(--cfs-gray-600); line-height: 1.5; }

/* About values panel */
.cfs-public .about-values {
    background: var(--cfs-blue);
    border-radius: var(--cfs-radius-lg);
    padding: 36px 32px;
}
.cfs-public .about-values h3 { color: var(--cfs-white); font-size: 1.1rem; margin-bottom: 24px; }
.cfs-public .value-item { display: flex; gap: 14px; margin-bottom: 22px; }
.cfs-public .value-item:last-child { margin-bottom: 0; }
.cfs-public .value-item svg { width: 20px; height: 20px; color: var(--cfs-gold); flex-shrink: 0; margin-top: 2px; }
.cfs-public .value-item p { font-size: .875rem; color: rgba(255,255,255,.7); line-height: 1.65; }
.cfs-public .value-item strong { color: var(--cfs-white); }

/* ─── CONTACT ─── */
.cfs-public .contact { padding: var(--cfs-section-py) 0; background: var(--cfs-gray-50); }
.cfs-public .contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 72px; }
.cfs-public .contact-info h2 { font-size: clamp(1.7rem, 3vw, 2.3rem); margin-bottom: 20px; }
.cfs-public .contact-info .intro { font-size: 1rem; color: var(--cfs-gray-600); line-height: 1.8; margin-bottom: 32px; }
.cfs-public .contact-methods { display: flex; flex-direction: column; gap: 18px; }
.cfs-public .contact-method { display: flex; gap: 16px; align-items: center; }
.cfs-public .contact-method-icon {
    width: 46px; height: 46px;
    border-radius: 10px;
    background: var(--cfs-white);
    border: 1px solid var(--cfs-gray-200);
    display: flex;
    align-items: center;
    justify-content: center;
    flex-shrink: 0;
}
.cfs-public .contact-method-icon svg { width: 20px; height: 20px; color: var(--cfs-blue); }
.cfs-public .contact-method-body span {
    display: block;
    font-size: .72rem;
    color: var(--cfs-gray-400);
    font-weight: 600;
    letter-spacing: .08em;
    text-transform: uppercase;
    margin-bottom: 2px;
}
.cfs-public .contact-method-body a,
.cfs-public .contact-method-body p { font-size: .975rem; font-weight: 600; color: var(--cfs-text); text-decoration: none; margin: 0; }
.cfs-public .contact-method-body a:hover { color: var(--cfs-blue); }
.cfs-public .second-opinion {
    background: var(--cfs-white);
    border: 1px solid var(--cfs-gray-200);
    border-radius: var(--cfs-radius-lg);
    padding: 22px 24px;
    margin-top: 32px;
    box-shadow: var(--cfs-shadow-sm);
}
.cfs-public .second-opinion h4 { font-size: .95rem; margin-bottom: 8px; }
.cfs-public .second-opinion p { font-size: .875rem; color: var(--cfs-gray-600); line-height: 1.6; }

/* Contact form */
.cfs-public .contact-form {
    background: var(--cfs-white);
    border: 1px solid var(--cfs-gray-200);
    border-radius: var(--cfs-radius-lg);
    padding: 40px;
    box-shadow: var(--cfs-shadow-sm);
}
.cfs-public .contact-form h3 { font-size: 1.1rem; margin-bottom: 24px; }
.cfs-public .form-group { margin-bottom: 18px; }
.cfs-public .form-group label {
    display: block;
    font-size: .78rem;
    font-weight: 600;
    letter-spacing: .04em;
    color: var(--cfs-text);
    margin-bottom: 7px;
}
.cfs-public .form-group input,
.cfs-public .form-group select,
.cfs-public .form-group textarea {
    width: 100%;
    padding: 11px 14px;
    border: 1px solid var(--cfs-gray-200);
    border-radius: var(--cfs-radius);
    font-family: 'Montserrat', sans-serif;
    font-size: .9rem;
    color: var(--cfs-text);
    background: var(--cfs-white);
    transition: border-color .15s, box-shadow .15s;
    outline: none;
}
.cfs-public .form-group input:focus,
.cfs-public .form-group select:focus,
.cfs-public .form-group textarea:focus {
    border-color: var(--cfs-blue);
    box-shadow: 0 0 0 3px rgba(28,72,133,.1);
}
.cfs-public .form-group textarea { resize: vertical; min-height: 90px; }
.cfs-public .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.cfs-public .form-submit { width: 100%; justify-content: center; margin-top: 8px; }
.cfs-public .form-note { text-align: center; font-size: .76rem; color: var(--cfs-gray-400); margin-top: 12px; line-height: 1.5; }

/* ─── FOOTER ─── */
.cfs-public .footer {
    background: var(--cfs-blue-dark);
    padding: 48px 0 32px;
    border-top: 3px solid var(--cfs-gold);
}
.cfs-public .footer-inner { display: grid; grid-template-columns: 1.5fr 1fr 1fr; gap: 48px; margin-bottom: 48px; }
.cfs-public .footer-logo { display: flex; align-items: center; gap: 12px; margin-bottom: 16px; }
.cfs-public .footer-logo svg { width: 30px; height: 30px; }
.cfs-public .footer-logo-name { font-weight: 600; color: var(--cfs-white); font-size: .9rem; line-height: 1.2; }
.cfs-public .footer-logo-name span { display: block; font-size: .58rem; opacity: .6; font-weight: 400; letter-spacing: .1em; text-transform: uppercase; }
.cfs-public .footer-desc { font-size: .84rem; color: rgba(255,255,255,.45); line-height: 1.7; max-width: 280px; }
.cfs-public .footer-col h4 { font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--cfs-gold); margin-bottom: 16px; }
.cfs-public .footer-links { list-style: none; display: flex; flex-direction: column; gap: 10px; padding: 0; margin: 0; }
.cfs-public .footer-links a { font-size: .865rem; color: rgba(255,255,255,.5); text-decoration: none; transition: color .15s; }
.cfs-public .footer-links a:hover { color: var(--cfs-white); }
.cfs-public .footer-bottom {
    border-top: 1px solid rgba(255,255,255,.1);
    padding-top: 24px;
    display: flex;
    justify-content: space-between;
    align-items: center;
    gap: 12px;
    flex-wrap: wrap;
}
.cfs-public .footer-legal { font-size: .76rem; color: rgba(255,255,255,.3); line-height: 1.6; }
.cfs-public .footer-license { font-size: .76rem; color: rgba(255,255,255,.3); }

/* ─── RESPONSIVE ─── */
@media (max-width: 900px) {
    .cfs-public .hero-inner,
    .cfs-public .why-grid,
    .cfs-public .quote-inner,
    .cfs-public .ratewatch-grid,
    .cfs-public .realtors-grid,
    .cfs-public .about-grid,
    .cfs-public .contact-grid { grid-template-columns: 1fr; }

    .cfs-public .services-grid { grid-template-columns: 1fr 1fr; }
    .cfs-public .steps { grid-template-columns: 1fr; }
    .cfs-public .steps::before { display: none; }
    .cfs-public .footer-inner { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 600px) {
    :root { --cfs-section-py: 64px; }
    .cfs-public .cfs-container { padding: 0 20px; }
    .cfs-public .hero { padding: 64px 0 72px; }
    .cfs-public .services-grid { grid-template-columns: 1fr; }
    .cfs-public .form-row { grid-template-columns: 1fr; }
    .cfs-public .footer-inner { grid-template-columns: 1fr; }
    .cfs-public .footer-bottom { flex-direction: column; text-align: center; }
}