/* ==========================================================================
   Viador Homeowner Advisory (VHA) substyle
   Scoped to /homeowner-equity-review and /hemr only. Coexists with the
   institutional dark-dominant styles.css; those two pages do NOT load
   styles.css, so everything needed is defined here explicitly.
   Light cream base, editorial type, restrained motion. No pure black.
   ========================================================================== */

:root {
  --vha-base: #FAF7F2;
  --vha-surface: #FFFFFF;
  --vha-text: #1C2321;
  --vha-text-muted: #4A5352;
  --vha-primary: #1F3A2E;
  --vha-primary-hover: #2A5140;
  --vha-accent: #B8935A;
  --vha-success: #3D6B4E;
  --vha-border: #E8E2D5;
  --vha-shadow: 0 2px 8px rgba(28, 35, 33, 0.06);
  --vha-shadow-hover: 0 4px 16px rgba(28, 35, 33, 0.10);
  --vha-maxw: 1120px;
}

*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

html { -webkit-text-size-adjust: 100%; }

body {
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  background: var(--vha-base);
  color: var(--vha-text);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

/* ---- Typography (mobile-first; desktop overrides at >=768px) ------------- */
h1, h2, h3 {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 500;
  color: var(--vha-text);
}
h1 { font-size: 40px; line-height: 1.1; letter-spacing: -0.02em; }
h2 { font-size: 32px; line-height: 1.15; }
h3 { font-size: 24px; line-height: 1.25; }

p { color: var(--vha-text); }

a { color: var(--vha-primary); text-decoration: underline; text-decoration-thickness: 1.5px; text-underline-offset: 4px; transition: color 220ms ease; }
a:hover { color: var(--vha-accent); }

.vha-body-lg { font-size: 18px; line-height: 1.55; color: var(--vha-text); }
.vha-small { font-size: 13px; line-height: 1.4; font-weight: 500; color: var(--vha-text-muted); }
.vha-muted { color: var(--vha-text-muted); }

/* ---- Layout helpers ------------------------------------------------------ */
.vha-inner { max-width: var(--vha-maxw); margin: 0 auto; padding: 0 20px; }
.vha-section { padding: 72px 0; }
.vha-section > .vha-inner { }
.vha-prose { max-width: 68ch; }
.vha-wide { max-width: 84ch; }
.vha-center { text-align: center; }

/* ---- Nav ----------------------------------------------------------------- */
.vha-nav {
  background: var(--vha-base);
  border-bottom: 1px solid var(--vha-border);
}
.vha-nav-inner {
  max-width: var(--vha-maxw);
  margin: 0 auto;
  padding: 18px 20px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.vha-wordmark {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 600;
  font-size: 22px;
  letter-spacing: -0.01em;
  color: var(--vha-primary);
  text-decoration: none;
}
.vha-wordmark:hover { color: var(--vha-primary); }
.vha-nav-phone {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 15px;
  color: var(--vha-primary);
  text-decoration: none;
  white-space: nowrap;
}
.vha-nav-phone:hover { color: var(--vha-accent); }

/* ---- Buttons ------------------------------------------------------------- */
.vha-btn {
  display: inline-block;
  font-family: 'Inter', sans-serif;
  font-weight: 500;
  font-size: 17px;
  letter-spacing: 0.01em;
  padding: 18px 32px;
  border-radius: 4px;
  text-decoration: none;
  text-align: center;
  cursor: pointer;
  transition: all 220ms ease;
  border: 1.5px solid transparent;
}
.vha-btn-primary {
  background: var(--vha-primary);
  color: var(--vha-base);
  border-color: var(--vha-primary);
}
.vha-btn-primary:hover {
  background: var(--vha-primary-hover);
  border-color: var(--vha-primary-hover);
  color: var(--vha-base);
  transform: translateY(-1px);
  box-shadow: var(--vha-shadow-hover);
}
.vha-btn-secondary {
  background: transparent;
  color: var(--vha-primary);
  border: 1.5px solid var(--vha-primary);
}
.vha-btn-secondary:hover {
  transform: translateY(-1px);
  box-shadow: var(--vha-shadow-hover);
  color: var(--vha-primary);
}
.vha-btn:focus-visible { outline: 2px solid var(--vha-accent); outline-offset: 2px; }
.vha-btn-row { display: flex; flex-wrap: wrap; gap: 16px; margin-top: 8px; }

/* ---- Cards --------------------------------------------------------------- */
.vha-card {
  background: var(--vha-surface);
  border: 1px solid var(--vha-border);
  border-radius: 8px;
  box-shadow: var(--vha-shadow);
  padding: 28px;
}
.vha-card h3 { color: var(--vha-primary); margin-bottom: 16px; }
.vha-card-interactive { transition: all 220ms ease; }
.vha-card-interactive:hover { box-shadow: var(--vha-shadow-hover); transform: translateY(-2px); }
.vha-card-icon { display: block; width: 32px; height: 32px; color: var(--vha-accent); margin-bottom: 16px; }

/* ---- CTA block (button with stacked subtext) ----------------------------- */
.vha-cta-block { margin-top: 24px; }
.vha-cta-note { margin-top: 12px; }
.vha-hero .vha-sub + .vha-small,
.vha-hero .vha-small + .vha-small { margin-top: 8px; }

/* ---- Check-bullet lists -------------------------------------------------- */
.vha-checks { list-style: none; margin: 24px 0; padding: 0; }
.vha-checks li {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  margin-bottom: 16px;
  color: var(--vha-text);
  font-size: 16px;
  line-height: 1.6;
}
.vha-check { flex: 0 0 24px; width: 24px; height: 24px; color: var(--vha-primary); margin-top: 1px; }
.vha-list { list-style: none; margin: 24px 0; padding: 0; }
.vha-list li {
  position: relative;
  padding-left: 20px;
  margin-bottom: 12px;
  color: var(--vha-text);
  line-height: 1.6;
}
.vha-list li::before {
  content: '';
  position: absolute;
  left: 0; top: 11px;
  width: 6px; height: 6px;
  border-radius: 50%;
  background: var(--vha-accent);
}

/* ---- Hero ---------------------------------------------------------------- */
.vha-hero { padding: 72px 0; }
.vha-hero-grid { display: grid; grid-template-columns: 1fr; gap: 40px; align-items: start; }
.vha-hero h1 { margin-bottom: 24px; }
.vha-hero .vha-sub { margin-bottom: 8px; }
.vha-aside-card {
  background: var(--vha-surface);
  border: 1px solid var(--vha-border);
  border-radius: 8px;
  box-shadow: var(--vha-shadow);
  padding: 28px;
}
.vha-aside-card h3 { color: var(--vha-primary); margin-bottom: 16px; font-size: 22px; }

/* ---- Section headings and body ------------------------------------------ */
.vha-section h2 { margin-bottom: 24px; }
.vha-section p { color: var(--vha-text); margin-bottom: 16px; line-height: 1.6; }
.vha-section p.vha-muted { color: var(--vha-text-muted); }
.vha-eyebrow {
  font-family: 'Inter', sans-serif;
  font-weight: 500;
  font-size: 13px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--vha-accent);
  margin-bottom: 12px;
}

/* Alternating surface tint for rhythm (still cream family, never pure white full-bleed) */
.vha-section-tint { background: #F5F1E9; }

/* ---- Qualifier 2x2 grid -------------------------------------------------- */
.vha-grid-2 { display: grid; grid-template-columns: 1fr; gap: 24px; margin-top: 32px; }

/* ---- Comparison cards ---------------------------------------------------- */
.vha-compare { display: grid; grid-template-columns: 1fr; gap: 24px; margin-top: 32px; }
.vha-compare .vha-card h3 { margin-bottom: 8px; }
.vha-compare .vha-compare-sub { color: var(--vha-text-muted); font-size: 16px; margin-bottom: 16px; line-height: 1.5; }
.vha-disclosure {
  margin-top: 24px;
  font-size: 13px;
  line-height: 1.5;
  color: var(--vha-text-muted);
  font-style: italic;
}

/* ---- Pull quote ---------------------------------------------------------- */
.vha-pullquote {
  font-family: 'Fraunces', Georgia, serif;
  font-style: italic;
  font-weight: 400;
  font-size: 24px;
  line-height: 1.4;
  color: var(--vha-primary);
  border-left: 1px solid var(--vha-accent);
  padding-left: 24px;
  margin: 32px 0 0;
  max-width: 68ch;
}

/* ---- Process steps ------------------------------------------------------- */
.vha-steps { list-style: none; counter-reset: vha-step; margin: 32px 0 0; padding: 0; }
.vha-steps li {
  counter-increment: vha-step;
  position: relative;
  padding-left: 56px;
  margin-bottom: 32px;
}
.vha-steps li::before {
  content: counter(vha-step);
  position: absolute;
  left: 0; top: 0;
  width: 40px; height: 40px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: var(--vha-primary);
  color: var(--vha-base);
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 17px;
}
.vha-steps .vha-step-title { font-weight: 600; color: var(--vha-text); font-size: 18px; margin-bottom: 6px; display: block; }
.vha-steps p { color: var(--vha-text-muted); margin: 0; }

/* ---- Bottom CTA ---------------------------------------------------------- */
.vha-cta { padding: 120px 0; text-align: center; }
.vha-cta h2 { margin-bottom: 16px; }
.vha-cta .vha-btn-row { justify-content: center; margin-top: 32px; }

/* ---- Footer -------------------------------------------------------------- */
.vha-footer {
  background: var(--vha-text);
  color: var(--vha-base);
  padding: 48px 0;
}
.vha-footer .vha-inner { text-align: center; }
.vha-footer p { color: var(--vha-base); margin-bottom: 10px; font-size: 13px; line-height: 1.6; }
.vha-footer .vha-footer-addr { color: var(--vha-base); font-size: 13px; margin-bottom: 10px; }
.vha-footer .vha-footer-fine { color: rgba(250, 247, 242, 0.62); font-size: 12px; font-style: italic; line-height: 1.6; margin-bottom: 0; max-width: 84ch; margin-left: auto; margin-right: auto; }

/* ==========================================================================
   Intake form (/hemr) restyle. JS depends on: form#hemrForm, .step,
   [data-step], .active, #hemrMsg, button onclick hemrNext/hemrBack.
   Those hooks are preserved; only presentation changes here.
   ========================================================================== */
/* Compact page top (v3): no big hero. A single small title line sits directly
   above the wizard card so the card + its first question are reachable without
   scrolling (mobile) and the card starts within ~120px of the header (desktop). */
.vha-intake-section { padding: 24px 0 56px; }
.vha-intake-wrap { max-width: 640px; margin: 0 auto; padding: 0 20px; }
.vha-intake-title {
  font-family: 'Fraunces', Georgia, serif;
  font-weight: 500;
  font-size: 22px;
  line-height: 1.25;
  letter-spacing: -0.01em;
  color: var(--vha-text);
  margin: 0 0 20px;
}

/* Progress-forward card header (v3.1): no in-card title. Top to bottom the card
   header is "Step N of 5" counter -> segmented progress bar -> a per-step
   encouragement line, then the step's section label + fields. */
/* Counter + encouragement read as one unit under the bar. "Step N of 5" is a
   bold charcoal sub-label; the encouragement line is the warmer, larger voice. */
.vha-progress-meta { margin: 0 0 22px; }
.vha-step-count {
  display: block;
  font-family: 'Inter', sans-serif;
  font-weight: 700;
  font-size: 13.5px;
  letter-spacing: 0.01em;
  color: var(--vha-text);
  margin: 0 0 4px;
}
/* Per-step encouragement: ~16-17px, medium, charcoal, olive leading check.
   Fades + rises in when its text swaps with the step (feels spoken). */
.vha-form-encourage {
  display: flex;
  align-items: baseline;
  gap: 8px;
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 500;
  line-height: 1.4;
  color: var(--vha-text);
  margin: 0;
  min-height: 1.3em;
}
.vha-form-encourage:empty { display: none; }
.vha-form-encourage::before {
  content: "\2713";
  flex: 0 0 auto;
  color: #6B745E;
  font-weight: 700;
  font-size: 14px;
  line-height: 1;
  transform: translateY(1px);
}
.vha-form-encourage.swapping { animation: vhaFade 220ms ease; }
@keyframes vhaFade { from { opacity: 0; transform: translateY(4px); } to { opacity: 1; transform: translateY(0); } }
@media (prefers-reduced-motion: reduce) {
  .vha-form-encourage.swapping { animation: none; }
}

/* Per-step section label */
.vha-step-legend {
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 13px;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--vha-text-muted);
  margin: 4px 0 4px;
}

/* Inline per-field validation errors */
.vha-form .field-error {
  display: block;
  margin: 6px 0 0;
  font-family: 'Inter', sans-serif;
  font-size: 13px;
  font-weight: 500;
  line-height: 1.4;
  color: #8A2B2B;
}
.vha-form input.input-invalid,
.vha-form select.input-invalid { border-color: #8A2B2B; }

.vha-form {
  background: var(--vha-surface);
  border: 1px solid var(--vha-border);
  border-radius: 8px;
  box-shadow: var(--vha-shadow);
  padding: 28px;
  margin-bottom: 56px;
  color: var(--vha-text);
}
.vha-form h2 { font-size: 24px; margin-bottom: 24px; color: var(--vha-primary); }

/* Progress indicator */
/* Animated progress bar — the emotional centerpiece of the card header.
   Larger olive segments with soft rounded ends. Three states:
   upcoming (light neutral) · current (filling olive gradient) ·
   done (solid olive + a check tick that draws in). CSS transitions animate
   each state change once, so advancing feels earned rather than re-rendered. */
.vha-progress { display: flex; gap: 7px; margin-bottom: 12px; }
.vha-progress span {
  position: relative;
  flex: 1;
  height: 12px;
  border-radius: 6px;
  background: #E8E2D5;
  overflow: hidden;
}
/* fill overlay — sweeps in when a segment becomes current or done */
.vha-progress span::before {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
  background: linear-gradient(90deg, #8B9474, #6B745E);
  transform: scaleX(0);
  transform-origin: left center;
  transition: transform 360ms cubic-bezier(0.22, 0.61, 0.36, 1);
}
.vha-progress span.is-current::before,
.vha-progress span.is-done::before { transform: scaleX(1); }
.vha-progress span.is-done::before { background: #6B745E; }
/* completed-segment check tick — draws in on the ~250ms micro-moment */
.vha-progress span::after {
  content: "";
  position: absolute;
  top: 50%;
  left: 50%;
  width: 8px;
  height: 5px;
  border-left: 2px solid #FFFFFF;
  border-bottom: 2px solid #FFFFFF;
  transform: translate(-50%, -72%) rotate(-45deg) scale(0.3);
  opacity: 0;
  transition: transform 260ms cubic-bezier(0.2, 0.7, 0.3, 1) 40ms, opacity 200ms ease 40ms;
}
.vha-progress span.is-done::after {
  transform: translate(-50%, -72%) rotate(-45deg) scale(1);
  opacity: 1;
}
@media (prefers-reduced-motion: reduce) {
  .vha-progress span::before,
  .vha-progress span::after { transition: none; }
}

.vha-form .step { display: none; }
.vha-form .step.active { display: block; animation: vhaStepIn 180ms ease both; }
@keyframes vhaStepIn {
  from { opacity: 0; transform: translateY(8px); }
  to   { opacity: 1; transform: translateY(0); }
}
@media (prefers-reduced-motion: reduce) {
  .vha-form .step.active { animation: none; }
}

.vha-form label {
  display: block;
  font-family: 'Inter', sans-serif;
  font-weight: 500;
  font-size: 14px;
  color: var(--vha-text-muted);
  margin: 20px 0 8px;
}
.vha-form input,
.vha-form select {
  display: block;
  width: 100%;
  background: var(--vha-surface);
  border: 1.5px solid var(--vha-border);
  border-radius: 4px;
  padding: 16px 18px;
  min-height: 56px;
  font-family: 'Inter', sans-serif;
  font-size: 17px;
  color: var(--vha-text);
}
.vha-form input:focus,
.vha-form select:focus {
  outline: none;
  border-color: var(--vha-primary);
  box-shadow: 0 0 0 3px rgba(31, 58, 46, 0.12);
}

/* Radio groups */
.vha-form .radio-group { margin-top: 4px; }
.vha-form .radio-group label {
  display: flex;
  align-items: center;
  gap: 10px;
  font-weight: 400;
  font-size: 16px;
  color: var(--vha-text);
  margin: 0 0 10px;
  cursor: pointer;
}
.vha-form .radio-group input {
  width: 24px; height: 24px; min-height: 24px;
  margin: 0;
  accent-color: var(--vha-primary);
  flex: 0 0 24px;
}

/* TCPA consent block */
.vha-form .tcpa {
  margin-top: 28px;
  padding-top: 20px;
  border-top: 1px solid var(--vha-border);
}
.vha-form .tcpa label {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  font-weight: 400;
  font-size: 13px;
  line-height: 1.5;
  color: var(--vha-text-muted);
  margin: 0;
}
.vha-form .tcpa input[type="checkbox"] {
  width: 24px; height: 24px; min-height: 24px;
  flex: 0 0 24px;
  margin-top: 1px;
  accent-color: var(--vha-primary);
}
/* Consent Privacy / Terms links, aligned under the consent text (checkbox 24px
   + 12px gap = 36px indent). */
.vha-form .tcpa-links { margin: 10px 0 0 36px; font-size: 12px; color: var(--vha-text-muted); }
.vha-form .tcpa-links a { color: var(--vha-primary); font-weight: 500; }

/* ---- ZIP-derived state (v4): confirm line + tap-to-edit fallback --------- */
/* Shown after a valid ZIP resolves to a served state; the fallback <select>
   below it is revealed on "not right?" or for edge/unknown prefixes. */
.vha-form .vha-state-derived { margin: 10px 0 0; }
.vha-form .vha-state-derived[hidden],
.vha-form .vha-state-fallback[hidden] { display: none; }
.vha-form .vha-state-confirm {
  display: flex; align-items: baseline; flex-wrap: wrap; gap: 6px;
  margin: 0;
  font-family: 'Inter', sans-serif;
  font-size: 14px;
  color: var(--vha-text-muted);
}
.vha-form .vha-state-confirm strong { color: var(--vha-text); font-weight: 600; }
/* "not right?" is a text link, not a button — override the generic form-button
   chrome so it reads inline with the confirmation sentence. */
.vha-form button.vha-state-edit {
  background: none; border: none; padding: 0;
  font-family: 'Inter', sans-serif;
  font-size: 14px; font-weight: 500;
  color: var(--vha-primary);
  text-decoration: underline; text-underline-offset: 3px;
  cursor: pointer;
}
.vha-form button.vha-state-edit:hover { color: var(--vha-accent); transform: none; box-shadow: none; }

/* Actions */
.vha-form .actions { margin-top: 28px; display: flex; gap: 12px; flex-wrap: wrap; }
.vha-form .actions button { flex: 1 1 auto; }
.vha-form button {
  font-family: 'Inter', sans-serif;
  font-weight: 500;
  font-size: 17px;
  letter-spacing: 0.01em;
  padding: 18px 32px;
  border-radius: 4px;
  border: 1.5px solid transparent;
  cursor: pointer;
  transition: all 220ms ease;
}
.vha-form button.primary { background: var(--vha-primary); color: var(--vha-base); border-color: var(--vha-primary); }
.vha-form button.primary:hover { background: var(--vha-primary-hover); border-color: var(--vha-primary-hover); transform: translateY(-1px); box-shadow: var(--vha-shadow-hover); }
.vha-form button.secondary { background: transparent; color: var(--vha-primary); border: 1.5px solid var(--vha-primary); }
.vha-form button.secondary:hover { transform: translateY(-1px); box-shadow: var(--vha-shadow-hover); }
.vha-form button:focus-visible { outline: 2px solid var(--vha-accent); outline-offset: 2px; }

.vha-form .msg-ok { color: var(--vha-success); padding: 16px 18px; background: rgba(61, 107, 78, 0.08); border-radius: 4px; }
.vha-form .msg-err { color: #8A2B2B; padding: 16px 18px; background: #F8EBEB; border-radius: 4px; }
.vha-form .compliance { font-size: 12px; color: var(--vha-text-muted); margin-top: 24px; text-align: center; line-height: 1.6; }

/* Thank-you "What happens next" block (post-submit done state) */
.vha-form .vha-nextsteps { margin-top: 24px; }
.vha-form .vha-nextsteps[hidden] { display: none; }
.vha-form .vha-nextsteps-title { font-family: 'Inter', sans-serif; font-weight: 600; font-size: 16px; color: var(--vha-text); margin-bottom: 14px; }
.vha-form .vha-nextsteps-list { list-style: none; counter-reset: ns; margin: 0 0 18px; padding: 0; }
.vha-form .vha-nextsteps-list li {
  counter-increment: ns;
  position: relative;
  padding-left: 40px;
  margin-bottom: 14px;
  color: var(--vha-text);
  font-size: 15px;
  line-height: 1.5;
}
.vha-form .vha-nextsteps-list li::before {
  content: counter(ns);
  position: absolute;
  left: 0; top: -1px;
  width: 26px; height: 26px;
  display: flex; align-items: center; justify-content: center;
  border-radius: 50%;
  background: var(--vha-primary);
  color: var(--vha-base);
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 13px;
}
.vha-form .vha-nextsteps-call { font-size: 15px; color: var(--vha-text-muted); margin: 0; }
.vha-form .vha-nextsteps-call a { color: var(--vha-primary); font-weight: 600; }

/* ---- Desktop overrides --------------------------------------------------- */
@media (min-width: 768px) {
  h1 { font-size: 64px; }
  h2 { font-size: 44px; }
  h3 { font-size: 28px; }
  .vha-body-lg { font-size: 20px; }
  .vha-small { font-size: 14px; }

  .vha-inner { padding: 0 32px; }
  .vha-nav-inner { padding: 20px 32px; }
  .vha-section { padding: 120px 0; }
  .vha-hero { padding: 96px 0; }
  .vha-hero-grid { grid-template-columns: 1.6fr 1fr; gap: 44px; }
  .vha-card { padding: 40px; }
  .vha-aside-card { padding: 40px; }
  .vha-grid-2 { grid-template-columns: 1fr 1fr; }
  .vha-compare { grid-template-columns: 1fr 1fr 1fr; }
  .vha-pullquote { font-size: 28px; padding-left: 32px; }
  .vha-intake-section { padding: 36px 0 88px; }
  .vha-intake-title { font-size: 24px; margin-bottom: 24px; }
  .vha-form-encourage { font-size: 17px; }
  .vha-form { padding: 40px; }
  .vha-form .actions button { flex: 0 0 auto; }
  .vha-footer .vha-footer-fine { font-size: 13px; }
}

/* ---- Mobile CTA: full-width "Check My Equity Options" buttons (<640px) ---- */
/* Primary uses --vha-primary (#1F3A2E) bg with --vha-base ivory text; secondary
   uses --vha-primary text on the ivory base. Both clear WCAG AA on Viador tokens;
   this rule changes width only, not color or layout. */
@media (max-width: 639px) {
  .vha-cta-block .vha-btn { display: block; width: 100%; }
}

/* ---- Reduced motion ------------------------------------------------------ */
@media (prefers-reduced-motion: reduce) {
  * { transition-property: color, background-color, border-color, box-shadow !important; }
  .vha-btn:hover, .vha-btn-primary:hover, .vha-btn-secondary:hover,
  .vha-card-interactive:hover, .vha-form button:hover { transform: none !important; }
}

/* ==========================================================================
   HEMR LP v1.7 === light-mode consumer visual flip.
   Scoped to the landing page ONLY via body.vha-lp so the /hemr intake form
   (shares this stylesheet, no vha-lp class) is completely unaffected.
   CSS-only: no markup/copy/JS changes beyond the single body scoping hook
   and three vha-reassure styling-hook classes.

   Palette:  ivory  #F4F2EC (dominant bg)
             white  #FFFFFF (card + alt band)
             tint   #6B745E @ 7% (soft olive band)
             text   #1F2326 (charcoal)
             CTA    #6B745E (olive), white label
   Rule: every band sets its OWN background AND text color explicitly ===
   no inherited-color surprises. Footer intentionally NOT overridden ===
   it stays charcoal-dark with its original light disclosure text.
   ========================================================================== */

body.vha-lp { background: #F4F2EC; color: #1F2326; }
.vha-lp main { color: #1F2326; }

/* --- Nav on ivory --------------------------------------------------------- */
.vha-lp .vha-nav { background: #F4F2EC; border-bottom-color: rgba(31, 35, 38, 0.08); }
.vha-lp .vha-wordmark { color: #1F2326; }
.vha-lp .vha-nav-phone { color: #6B745E; }
.vha-lp .vha-nav-phone:hover { color: #566150; }

/* --- Header logo (transparent PNG, retina 507x176 source, capped 44px) ----- */
/* Sits directly on the ivory header band: no box, no background-color. */
.vha-logo { height: 44px; width: auto; display: block; }
@media (max-width: 639px) { .vha-logo { height: 36px; } }

/* --- Distinct bands (ivory / white / soft olive tint) --------------------- */
/* Hero + closing CTA = ivory; plain sections = soft olive tint (cards pop on
   it); tinted sections = white. Yields ivory / white / tint / white / tint /
   white / ivory top-to-bottom. */
.vha-lp .vha-hero { background: #F4F2EC; }
.vha-lp main .vha-section:not(.vha-section-tint) { background: rgba(107, 116, 94, 0.07); }
.vha-lp main .vha-section.vha-section-tint { background: #FFFFFF; }
.vha-lp .vha-cta { background: #F4F2EC; }

/* --- Text color explicit on every band ------------------------------------ */
.vha-lp main h1, .vha-lp main h2, .vha-lp main h3 { color: #1F2326; }
.vha-lp main p, .vha-lp main li, .vha-lp main span { color: #1F2326; line-height: 1.7; }
.vha-lp main .vha-muted, .vha-lp main .vha-small, .vha-lp main .vha-sub,
.vha-lp main .vha-compare-sub, .vha-lp main .vha-disclosure { color: #55605B; }
.vha-lp main a { color: #566150; }
.vha-lp main a:hover { color: #6B745E; }

/* --- Generous vertical rhythm (more whitespace) --------------------------- */
.vha-lp .vha-hero { position: relative; overflow: hidden; padding: clamp(48px, 8vw, 116px) 0; }
.vha-lp main .vha-section { padding: clamp(56px, 8vw, 112px) 0; }
.vha-lp .vha-cta { padding: clamp(72px, 10vw, 132px) 0; }

/* --- Hero: larger clamp headline + one subtle CSS-only decorative shape ---- */
.vha-lp .vha-hero h1 { font-size: clamp(2.5rem, 5.6vw, 4.4rem); line-height: 1.04; letter-spacing: -0.025em; margin-bottom: 28px; }
.vha-lp .vha-hero .vha-sub { font-size: clamp(1.05rem, 1.8vw, 1.3rem); margin-bottom: 18px; }
.vha-lp .vha-hero::before {
  content: "";
  position: absolute;
  top: -90px; right: -130px;
  width: 380px; height: 380px;
  border-radius: 50%;
  background: radial-gradient(circle at 32% 30%, rgba(107, 116, 94, 0.14), rgba(107, 116, 94, 0) 70%);
  pointer-events: none;
  z-index: 0;
}
.vha-lp .vha-hero .vha-inner { position: relative; z-index: 1; }

/* --- Accents in olive ----------------------------------------------------- */
.vha-lp .vha-check { color: #6B745E; }
.vha-lp .vha-card-icon { color: #6B745E; }
.vha-lp .vha-list li::before { background: #6B745E; }
.vha-lp .vha-pullquote { color: #1F2326; border-left-color: #6B745E; }

/* --- Cards: white, rounded, soft shadow ----------------------------------- */
.vha-lp .vha-aside-card,
.vha-lp .vha-card {
  background: #FFFFFF;
  border: 1px solid rgba(31, 35, 38, 0.06);
  border-radius: 16px;
  box-shadow: 0 8px 30px rgba(31, 35, 38, 0.08);
}
.vha-lp .vha-card h3,
.vha-lp .vha-aside-card h3 { color: #1F2326; }
.vha-lp .vha-card-interactive { transition: transform 220ms ease, box-shadow 220ms ease; }
.vha-lp .vha-card-interactive:hover { transform: translateY(-4px); box-shadow: 0 16px 40px rgba(31, 35, 38, 0.12); }

/* --- CTAs: olive, white label, rounded, generous pad, prominent ----------- */
.vha-lp .vha-btn-primary,
.vha-lp .vha-btn-secondary {
  background: #6B745E;
  color: #FFFFFF;
  border: 1.5px solid #6B745E;
  border-radius: 11px;
  padding: 19px 44px;
  font-size: 18px;
  font-weight: 600;
  box-shadow: 0 6px 18px rgba(107, 116, 94, 0.28);
}
.vha-lp .vha-btn-primary:hover,
.vha-lp .vha-btn-secondary:hover {
  background: #566150;
  border-color: #566150;
  color: #FFFFFF;
  transform: translateY(-2px);
  box-shadow: 0 12px 26px rgba(107, 116, 94, 0.36);
}
.vha-lp .vha-btn:focus-visible { outline: 2px solid #1F2326; outline-offset: 3px; }

/* --- Hero control row: "I want to:" selector + primary CTA (SoFi-style) ----- */
/* A full-width row sitting UNDER the hero grid (headline + aside card): the
   selector on the LEFT, the CTA on the RIGHT, matched in height and radius.
   Label directly above the row (not a floating inline label). Reassurance line
   below. Stacks full-width, selector-on-top, below 640px. */
.vha-lp .vha-hero-cta { margin-top: 28px; }
.vha-lp .vha-goal-label {
  display: block;
  font-family: 'Inter', sans-serif;
  font-weight: 600;
  font-size: 14px;
  color: #1F2326;
  margin-bottom: 10px;
}
.vha-lp .vha-hero-controls {
  display: flex;
  align-items: stretch;
  flex-wrap: wrap;
  gap: 14px;
}
/* Selector styled to mirror the CTA button: content-width (NOT flex-grow) so the
   pair reads as two equally-sized controls, left-aligned under the hero. Same
   height + radius, generous horizontal padding, ivory-white field, charcoal
   text, native chevron kept visible (no appearance:none). 16px+ font prevents
   the iOS focus zoom-jump. Open options list may overflow wider — native/fine. */
.vha-lp .vha-goal-select {
  flex: 0 0 auto;
  width: auto;
  min-width: 260px;
  height: 60px;
  background: #FFFFFF;
  border: 1.5px solid rgba(31, 35, 38, 0.16);
  border-radius: 11px;
  padding: 0 20px;
  font-family: 'Inter', sans-serif;
  font-size: 16px;
  font-weight: 500;
  color: #1F2326;
  box-shadow: 0 2px 10px rgba(31, 35, 38, 0.05);
  cursor: pointer;
}
.vha-lp .vha-goal-select:focus {
  outline: none;
  border-color: #6B745E;
  box-shadow: 0 0 0 3px rgba(107, 116, 94, 0.18);
}
/* CTA sits on the right, sized to content, height locked to the selector so the
   pair reads as one control. Keeps the olive fill (most prominent element). */
.vha-lp .vha-hero-controls .vha-btn-primary {
  flex: 0 0 auto;
  height: 60px;
  padding: 0 40px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  white-space: nowrap;
}
.vha-lp .vha-hero-reassure { margin-top: 14px; }
@media (min-width: 768px) {
  .vha-lp .vha-goal-select { font-size: 17px; }
}
@media (max-width: 639px) {
  .vha-lp .vha-hero-cta { margin-top: 28px; }
  .vha-lp .vha-hero-controls { flex-direction: column; align-items: stretch; }
  .vha-lp .vha-hero-controls .vha-goal-select,
  .vha-lp .vha-hero-controls .vha-btn-primary { width: 100%; min-width: 0; }
}

/* --- Reassurance line: consumer-fintech checkmark badge -------------------- */
.vha-lp .vha-reassure {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  font-weight: 500;
  color: #55605B;
}
.vha-lp .vha-reassure::before {
  content: "\2713";
  display: inline-flex;
  align-items: center;
  justify-content: center;
  flex: 0 0 20px;
  width: 20px; height: 20px;
  border-radius: 50%;
  background: #6B745E;
  color: #FFFFFF;
  font-size: 12px;
  font-weight: 700;
  line-height: 1;
}
.vha-lp .vha-cta .vha-reassure { justify-content: center; }

/* --- Desktop: two-column checklist for "What your equity review shows" ----- */
/* Targets .vha-checks inside a .vha-section only (the review-shows list); the
   narrow hero aside uses .vha-hero, so it stays single-column. */
@media (min-width: 768px) {
  .vha-lp main .vha-section .vha-checks { columns: 2; column-gap: 52px; }
  .vha-lp main .vha-section .vha-checks li { break-inside: avoid; margin-bottom: 18px; }
}