/* ── RESET & BASE ── */
  *{box-sizing:border-box;margin:0;padding:0;}
  body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:#1a1a1a;background:#fff;}
  a{color:inherit;text-decoration:none;}

  .logo{font-size:19px;font-weight:600;color:#1a1a1a;}.logo em{color:#0F5C4A;font-style:normal;}
  .crumb{padding:9px 28px;font-size:11px;color:#888;border-bottom:1px solid #f0f0f0;background:#fafafa;}
  .crumb span{color:#0F5C4A;}

  /* ── HERO ── */
  .hero{padding:72px 28px 60px;color:#fff;position:relative;}
  .hero-inner{max-width:680px;}
  .hero-badge{display:inline-block;background:rgba(255,255,255,0.13);border:1px solid rgba(255,255,255,0.28);border-radius:20px;padding:4px 14px;font-size:11px;margin-bottom:16px;letter-spacing:0.4px;}
  .hero h1{font-size:30px;font-weight:600;line-height:1.27;margin-bottom:14px;}
  .hero p{font-size:14px;opacity:0.82;line-height:1.75;margin-bottom:24px;max-width:580px;}
  .hero .loc-money-lead{margin-bottom:18px;}
  .hero .loc-money-lead a{color:#F0D78C;text-decoration:underline;text-underline-offset:3px;text-decoration-color:rgba(240,215,140,.45);}
  .hero .loc-money-lead a:hover{color:#fff;text-decoration-color:rgba(255,255,255,.55);}
  .hero-meta{display:flex;gap:18px;flex-wrap:wrap;margin-bottom:24px;}
  .hero-meta span{font-size:12px;opacity:0.72;}
  .hero-btns{display:flex;gap:10px;flex-wrap:wrap;}
  .hero-subcta{margin-top:6px;margin-bottom:0;}
  .hero-subcta-link{display:inline-block;margin-top:10px;font-size:14px;font-weight:600;color:#F0D78C;text-decoration:none;border-bottom:1px solid rgba(240,215,140,.45);padding-bottom:2px;}
  .hero-subcta-link:hover{color:#fff;border-bottom-color:rgba(255,255,255,.65);}
  .loc-mid-cta{padding:22px 28px;background:linear-gradient(180deg,#f4faf7,#eef6f2);border-bottom:1px solid #dce8e3;text-align:center;}
  .loc-mid-cta p{font-size:14px;color:#333;line-height:1.65;margin:0 auto 14px;max-width:640px;}
  .loc-mid-cta .btn-gold{display:inline-block;text-decoration:none;}
  .btn-g{background:#0F5C4A;color:#fff;border:none;padding:11px 20px;border-radius:8px;font-size:13px;font-weight:500;cursor:pointer;}
  .btn-gold{background:#C89B35;color:#fff;border:none;padding:11px 20px;border-radius:8px;font-size:13px;font-weight:500;cursor:pointer;}
  .btn-o{background:transparent;color:#fff;border:1px solid rgba(255,255,255,0.4);padding:11px 20px;border-radius:8px;font-size:13px;cursor:pointer;}

  /* ── TRUST BAR ── */
  .trust-bar{display:flex;border-bottom:1px solid #e5e5e5;overflow-x:auto;background:#fff;}
  .ti{flex:1;min-width:130px;padding:13px 16px;border-right:1px solid #f0f0f0;text-align:center;}
  .ti:last-child{border-right:none;}
  .ti-t{font-size:12px;font-weight:600;color:#1a1a1a;}
  .ti-s{font-size:11px;color:#888;margin-top:2px;}

  /* ── SECTIONS ── */
  .sec{padding:48px 28px;}
  .sec.alt{background:#f9f9f7;}
  .lbl{font-size:11px;font-weight:600;text-transform:uppercase;letter-spacing:1.3px;color:#0F5C4A;margin-bottom:8px;}
  .sec h2{font-size:23px;font-weight:600;color:#1a1a1a;margin-bottom:10px;line-height:1.3;}
  .sec .lead{font-size:14px;color:#555;line-height:1.75;margin-bottom:22px;max-width:700px;}

  /* ── CALLOUT BOXES ── */
  .cbox{border-radius:12px;padding:18px 20px;margin-bottom:18px;}
  .cbox.green{background:#E1F5EE;border:1px solid #5DCAA5;}
  .cbox.green h3{font-size:13px;font-weight:600;color:#085041;margin-bottom:6px;}
  .cbox.green p{font-size:12px;color:#0F6E56;line-height:1.72;}
  .cbox.amber{background:#FFF8EC;border:1px solid #EF9F27;}
  .cbox.amber h3{font-size:13px;font-weight:600;color:#412402;margin-bottom:6px;}
  .cbox.amber p{font-size:12px;color:#633806;line-height:1.72;}
  .cbox.blue{background:#E6F1FB;border:1px solid #85B7EB;}
  .cbox.blue h3{font-size:13px;font-weight:600;color:#042C53;margin-bottom:6px;}
  .cbox.blue p{font-size:12px;color:#0C447C;line-height:1.72;}

  /* ── SERVICE GRID ── */
  .svc-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:10px;}
  .svc{border:1px solid #e5e5e5;border-radius:10px;padding:14px 12px;background:#fff;}
  .svc-ico{font-size:18px;margin-bottom:6px;}
  .svc h3{font-size:12px;font-weight:600;color:#1a1a1a;margin-bottom:3px;}
  .svc p{font-size:11px;color:#666;line-height:1.5;}

  /* ── NEIGHBORHOOD CARDS ── */
  .nbhd-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px;}
  .nbhd{border:1px solid #e5e5e5;border-radius:12px;padding:16px 14px;background:#fff;}
  .nbhd-tag{display:inline-block;font-size:10px;font-weight:600;text-transform:uppercase;letter-spacing:0.8px;padding:2px 8px;border-radius:20px;margin-bottom:8px;}
  .nt-hoa{background:#E1F5EE;color:#085041;}
  .nt-wat{background:#E6F1FB;color:#0C447C;}
  .nt-est{background:#FAEEDA;color:#633806;}
  .nt-new{background:#EAF3DE;color:#27500A;}
  .nt-his{background:#EEEDFE;color:#3C3489;}
  .nbhd h3{font-size:13px;font-weight:600;color:#1a1a1a;margin-bottom:5px;}
  .nbhd p{font-size:12px;color:#555;line-height:1.6;}

  /* ── REASON GRID ── */
  .reason-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px;}
  .reason{border:1px solid #e5e5e5;border-radius:12px;padding:18px 16px;background:#fff;}
  .reason h3{font-size:13px;font-weight:600;color:#1a1a1a;margin-bottom:6px;display:flex;gap:6px;align-items:center;}
  .reason h3 .ck{color:#0F5C4A;}
  .reason p{font-size:12px;color:#555;line-height:1.65;}

  /* ── FAQ ── */
  .faq-list{display:grid;gap:10px;}
  .faq{border:1px solid #e5e5e5;border-radius:12px;padding:16px 18px;background:#fff;}
  .faq h3{font-size:13px;font-weight:600;color:#1a1a1a;margin-bottom:6px;}
  .faq p{font-size:12px;color:#555;line-height:1.7;}

  /* ── CTA BLOCK ── */
  .cta-block{background:#071a0e;color:#fff;border-radius:12px;padding:40px 28px;text-align:center;margin:0 28px 44px;}
  .cta-block h2{font-size:22px;font-weight:600;margin-bottom:10px;line-height:1.35;}
  .cta-block p{font-size:13px;opacity:0.74;margin-bottom:22px;max-width:480px;margin-left:auto;margin-right:auto;line-height:1.75;}
  .cta-block .loc-cta-money-hubs a{color:#F0D78C;text-decoration:underline;text-underline-offset:2px;text-decoration-color:rgba(240,215,140,.4);}
  .cta-block .loc-cta-money-hubs a:hover{color:#fff;}

  /* ── AREA NAV ── */
  .area-nav{padding:20px 28px;border-top:1px solid #e5e5e5;background:#f9f9f7;}
  .area-nav p{font-size:12px;color:#888;margin-bottom:10px;}
  .area-links{display:flex;flex-wrap:wrap;gap:8px;}
  .area-link{background:#fff;border:1px solid #e5e5e5;border-radius:20px;padding:5px 12px;font-size:12px;color:#555;cursor:pointer;}
  .area-link:hover{border-color:#0F5C4A;color:#0F5C4A;}

  /* ── FOOTER ── */
  .footer{padding:18px 28px;border-top:1px solid #e5e5e5;display:flex;justify-content:space-between;font-size:11px;color:#888;flex-wrap:wrap;gap:8px;}

  @media(max-width:700px){
    .reason-grid,.nbhd-grid{grid-template-columns:1fr;}
    .hero h1{font-size:24px;}
    .sec h2{font-size:20px;}
  }

.loc-nav .btn-gold{text-decoration:none;display:inline-flex;align-items:center;}

  /* Jump nav (geo hub template) */
  .loc-jump{display:flex;flex-wrap:wrap;gap:8px 14px;padding:14px 28px;border-bottom:1px solid #e5e5e5;background:#fafafa;font-size:12px;}
  .loc-jump a{color:#0F5C4A;text-decoration:underline;text-underline-offset:2px;}
  .loc-jump a:hover{color:#074032;}

  /* Clickable service cards */
  .svc-grid--links a.svc{display:block;text-decoration:none;color:inherit;transition:border-color 0.15s,box-shadow 0.15s;}
  .svc-grid--links a.svc:hover{border-color:#0F5C4A;box-shadow:0 2px 10px rgba(15,92,74,0.1);}
  .svc-grid--links a.svc:focus-visible{outline:2px solid #0F5C4A;outline-offset:2px;}
  .hub-mini{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:10px;margin-top:12px;}
  .hub-mini a{display:block;border:1px solid #e5e5e5;border-radius:10px;padding:12px 14px;background:#fff;font-size:12px;color:#0F5C4A;font-weight:600;}
  .hub-mini a:hover{border-color:#0F5C4A;}
  .hub-mini span{display:block;font-size:11px;color:#666;font-weight:400;margin-top:4px;line-height:1.45;}

  /* In-page anchors (sticky header clearance) */
  #hubs,#guides{scroll-margin-top:72px;}

  /* Money / decision-guide strip (geo hubs) */
  .money-layer{scroll-margin-top:72px;}
  .money-layer .lbl{color:#0F5C4A;}
  .money-layer h2{font-size:18px;line-height:1.35;margin:0 0 8px;}
  .money-layer .money-layer-note{margin-top:14px;font-size:12px;color:#555;line-height:1.55;}
  .hub-mini--money{margin-top:12px;}
  .hub-roadmap-note{margin-top:12px;font-size:12px;color:#555;line-height:1.55;}
  .hub-mini--roadmap{margin-top:4px;}