/* ===================== RESET & BASE ===================== */
  *, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
  html, body { overflow-x: hidden; width: 100%; max-width: 100%; }
  html { scroll-behavior: smooth; }
  body { font-family: 'DM Sans', sans-serif; font-weight: 400; color: #1a1a1a; background: #fff; line-height: 1.6; }
  img { max-width: 100%; display: block; }
  a { text-decoration: none; color: inherit; }
  a:focus-visible, button:focus-visible, [role="button"]:focus-visible, select:focus-visible, input:focus-visible, textarea:focus-visible {
    outline: 2px solid #D4631A; outline-offset: 2px;
  }
  @media (prefers-reduced-motion: reduce) {
    html { scroll-behavior: auto; }
    *, *::before, *::after { animation: none !important; transition: none !important; }
  }

  /* ===================== CSS VARIABLES ===================== */
  :root {
    --navy: #2C2C2C;
    --navy-dark: #1a1a1a;
    --gold: #D4631A;
    --gold-light: #F4763B;
    --cream: #F5F5F5;
    --cream-dark: #EBEBEB;
    --border: rgba(0,0,0,0.1);
    --border-light: rgba(0,0,0,0.06);
    --text: #1a1a1a;
    --text-mid: #4a4a4a;
    --text-muted: #888;
    --serif: 'Libre Baskerville', Georgia, serif;
    --sans: 'DM Sans', sans-serif;
    --max: 960px;
    --radius: 10px;
    --radius-lg: 14px;
  }

  /* ===================== TYPOGRAPHY ===================== */
  h1, h2, h3, h4 { font-family: var(--serif); font-weight: 700; line-height: 1.2; }
  p { line-height: 1.75; }

  /* ===================== LAYOUT ===================== */
  .wrap { max-width: var(--max); margin: 0 auto; padding: 0 24px; overflow-x: hidden; }
  .section { padding: 64px 0; }
  .section-sm { padding: 40px 0; }

  /* ===================== PAGES ===================== */
  .page { display: none !important; }
  .page.active { display: block !important; }

  /* ===================== NAV ===================== */
  .nav {
    position: sticky; top: 0; z-index: 100;
    background: #fff; border-bottom: 0.5px solid var(--border);
    padding: 0 24px;
  }
  .nav-inner {
    max-width: var(--max); margin: 0 auto;
    display: flex; justify-content: space-between; align-items: center;
    height: 64px; gap: 48px;
  }
  .nav-logo {
    font-family: var(--serif); font-size: 18px; font-weight: 700;
    cursor: pointer;
  }
  .nav-logo span { color: #F4763B; }
  .nav-links { display: flex; gap: 28px; align-items: center; margin-left: auto; }
  .nav-links a {
    font-size: 13px; color: var(--text-mid); font-weight: 400;
    cursor: pointer; transition: color 0.15s; touch-action: manipulation;
    -webkit-tap-highlight-color: transparent; text-decoration: none;
  }
  .nav-links a:hover { color: var(--text); }
  .nav-links a.active { color: var(--navy); font-weight: 500; }
  .nav-cta {
    background: #2C2C2C; color: #fff !important;
    padding: 9px 18px; border-radius: 7px;
    font-size: 13px; font-weight: 500 !important;
    transition: background 0.15s !important;
  }
  .nav-cta:hover { background: var(--navy-dark) !important; }

  /* Mobile nav toggle */
  .nav-toggle { display: none; cursor: pointer; flex-direction: column; gap: 5px; padding: 8px; margin: -8px; }
  .nav-toggle span { width: 22px; height: 1.5px; background: var(--text); display: block; transition: all 0.2s; }

  /* ===================== BUTTONS ===================== */
  .btn-primary {
    display: inline-block; background: #2C2C2C; color: #fff;
    padding: 13px 28px; border-radius: 8px; font-size: 14px; font-weight: 500;
    border: none; cursor: pointer; transition: background 0.15s;
    font-family: var(--sans);
  }
  .btn-primary:hover { background: #111; }
  .btn-gold {
    display: inline-block; background: #F4763B; color: #fff;
    padding: 13px 28px; border-radius: 8px; font-size: 14px; font-weight: 500;
    border: none; cursor: pointer; font-family: var(--sans);
  }
  .btn-outline {
    display: inline-block; background: transparent; color: var(--text);
    padding: 12px 26px; border-radius: 8px; font-size: 14px; font-weight: 400;
    border: 0.5px solid var(--border); cursor: pointer; transition: border-color 0.15s;
    font-family: var(--sans);
  }
  .btn-outline:hover { border-color: rgba(0,0,0,0.25); }

  /* ===================== EYEBROW ===================== */
  .eyebrow {
    font-size: 10px; letter-spacing: 3px; text-transform: uppercase;
    color: #D4631A; font-weight: 500; margin-bottom: 14px;
    font-family: var(--sans);
  }

  /* ===================== SECTION DIVIDER ===================== */
  .section-divider {
    display: flex; align-items: center; gap: 14px; margin-bottom: 28px;
  }
  .section-divider-text {
    font-size: 10px; letter-spacing: 2.5px; text-transform: uppercase;
    color: var(--text-muted); font-weight: 500; white-space: nowrap;
  }
  .section-divider-line { flex: 1; height: 0.5px; background: var(--border); }

  /* ===================== CARDS ===================== */
  .card {
    background: #fff; border: 0.5px solid var(--border);
    border-radius: var(--radius); padding: 24px;
  }
  .card-lg { padding: 32px; border-radius: var(--radius-lg); }

  /* ===================== TAG / BADGE ===================== */
  .tag {
    display: inline-block; font-size: 10px; letter-spacing: 1.5px;
    text-transform: uppercase; padding: 3px 10px;
    border-radius: 20px; font-weight: 500; font-family: var(--sans);
  }
  .tag-blue { background: #EFF6FF; color: #1C3557; }
  .tag-green { background: #EDF4EE; color: #166534; }
  .tag-amber { background: #FEF9EC; color: #92400E; }
  .tag-gold { background: rgba(245,158,11,0.15); color: var(--gold-light); }
  .tag-white { background: rgba(255,255,255,0.12); color: rgba(255,255,255,0.8); }

  /* ===================== DETAIL ROWS ===================== */
  .detail-row { display: flex; gap: 10px; font-size: 12px; margin-bottom: 6px; }
  .detail-label { color: var(--text-muted); min-width: 90px; flex-shrink: 0; }
  .detail-val { color: var(--text); }

  /* ===================== FOOTER ===================== */
  .footer { border-top: 0.5px solid var(--border); }
  .footer-main {
    padding: 48px 24px 36px;
    max-width: var(--max); margin: 0 auto;
    display: grid; grid-template-columns: 1.2fr 1fr 1fr; gap: 48px;
    border-bottom: 0.5px solid var(--border);
  }
  .footer-logo { font-family: var(--serif); font-size: 18px; font-weight: 700; margin-bottom: 10px; }
  .footer-logo span { color: #F4763B; }
  .footer-tagline { font-size: 13px; color: var(--text-muted); line-height: 1.7; max-width: 220px; }
  .footer-col-title {
    font-size: 10px; letter-spacing: 2px; text-transform: uppercase;
    color: var(--text-muted); font-weight: 500; margin-bottom: 14px;
  }
  .footer-link-list { display: flex; flex-direction: column; gap: 10px; }
  .footer-link-list a { font-size: 13px; color: var(--text-mid); cursor: pointer; transition: color 0.15s; }
  .footer-link-list a:hover { color: var(--text); }
  .footer-contact-item { font-size: 13px; color: var(--text-mid); margin-bottom: 8px; line-height: 1.6; }
  .compliance-strip {
    background: #f8f7f5; border-top: 0.5px solid var(--border);
    padding: 20px 24px;
  }
  .compliance-inner { max-width: var(--max); margin: 0 auto; display: flex; gap: 12px; }
  .compliance-icon { flex-shrink: 0; opacity: 0.35; margin-top: 2px; }
  .compliance-text { font-size: 10px; color: var(--text-muted); line-height: 1.8; }
  .compliance-text a { text-decoration: underline; color: var(--text-muted); }
  .copyright-bar {
    padding: 14px 24px;
    max-width: var(--max); margin: 0 auto;
    display: flex; justify-content: space-between; align-items: center;
    flex-wrap: wrap; gap: 8px;
  }
  .copyright-text { font-size: 11px; color: var(--text-muted); }
  .copyright-links { display: flex; gap: 18px; }
  .copyright-links a { font-size: 11px; color: var(--text-muted); }

  /* ===================== ANIMATIONS ===================== */
  @keyframes fadeUp {
    from { opacity: 0; transform: translateY(16px); }
    to { opacity: 1; transform: translateY(0); }
  }
  .fade-up { animation: fadeUp 0.5s ease forwards; }
  .fade-up-2 { animation: fadeUp 0.5s 0.1s ease both; }
  .fade-up-3 { animation: fadeUp 0.5s 0.2s ease both; }
  .fade-up-4 { animation: fadeUp 0.5s 0.3s ease both; }

  /* ===================== HOMEPAGE ===================== */

  /* Hero */
  .hero { display: grid; grid-template-columns: 1fr 1fr; min-height: 480px; border-bottom: 0.5px solid var(--border); }
  .hero-left { padding: 72px 48px 64px 24px; display: flex; flex-direction: column; justify-content: center; gap: 20px; max-width: 520px; }
  .hero-h1 { font-size: 44px; line-height: 1.1; color: #2C2C2C; }
  .hero-sub { font-size: 16px; color: var(--text-mid); line-height: 1.75; font-weight: 300; }
  .hero-actions { display: flex; gap: 12px; flex-wrap: wrap; margin-top: 8px; }
  .hero-location { font-size: 12px; color: var(--text-muted); margin-top: 8px; }
  .hero-right {
    background: var(--cream); display: flex; flex-direction: column;
    align-items: center; justify-content: center; padding: 0; overflow: hidden;
    border-left: 0.5px solid var(--border); position: relative;
  }
  .hero-photo-frame {
    width: 220px; height: 220px; background: linear-gradient(160deg, #D9CAB3, #B5A48A);
    border-radius: 50%; display: flex; align-items: center; justify-content: center;
    flex-direction: column; gap: 10px; overflow: hidden;
    box-shadow: 0 0 0 6px #fff, 0 0 0 7px var(--border);
  }
  .hero-photo-frame svg { opacity: 0.35; }
  .hero-photo-label { font-size: 11px; color: #7A6A55; letter-spacing: 1.5px; text-transform: uppercase; font-family: var(--sans); }

  /* Stat strip */
  .stat-strip { display: flex; border-bottom: 0.5px solid var(--border); }
  .stat-item { flex: 1; padding: 24px 16px; text-align: center; border-right: 0.5px solid var(--border); }
  .stat-item:last-child { border-right: none; }
  .stat-num { font-family: var(--serif); font-size: 32px; font-weight: 700; color: #2C2C2C; }
  .stat-label { font-size: 11px; color: var(--text-muted); margin-top: 3px; letter-spacing: 0.5px; }

  /* Reviews */
  .reviews-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
  .review-card { background: #fff; border: 0.5px solid var(--border); border-radius: var(--radius); padding: 20px; }
  .stars { color: #F59E0B; font-size: 13px; letter-spacing: 1px; margin-bottom: 10px; }
  .review-text { font-size: 13px; line-height: 1.65; color: var(--text-mid); margin-bottom: 14px; font-style: italic; }
  .reviewer-name { font-size: 13px; font-weight: 500; }
  .reviewer-sub { font-size: 11px; color: var(--text-muted); }
  .reviews-cta { margin-top: 20px; display: flex; align-items: center; gap: 8px; }
  .google-dot { width: 8px; height: 8px; border-radius: 50%; background: #4285F4; flex-shrink: 0; }
  .google-label { font-size: 11px; color: var(--text-muted); }
  .reviews-link { font-size: 13px; color: #D4631A; font-weight: 500; margin-left: auto; }

  /* Loan types */
  .loans-bg { background: var(--cream); border-top: 0.5px solid var(--border); border-bottom: 0.5px solid var(--border); }
  .loans-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 10px; }
  .loan-card {
    background: #fff; border: 0.5px solid var(--border); border-radius: var(--radius);
    padding: 20px; cursor: pointer; transition: border-color 0.15s, transform 0.15s;
  }
  .loan-card:hover { border-color: rgba(0,0,0,0.2); transform: translateY(-1px); }
  .loan-icon {
    width: 34px; height: 34px; border-radius: 7px; background: #FEF0E8;
    display: flex; align-items: center; justify-content: center; margin-bottom: 12px;
  }
  .loan-name { font-size: 14px; font-weight: 500; margin-bottom: 4px; }
  .loan-desc { font-size: 12px; color: var(--text-muted); line-height: 1.55; }

  /* Process steps */
  .process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 0; border: 0.5px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; }
  .process-step { padding: 28px; border-right: 0.5px solid var(--border); }
  .process-step:last-child { border-right: none; }
  .process-num { font-family: var(--serif); font-size: 32px; font-weight: 700; color: #E0E0E0; margin-bottom: 12px; }
  .process-title { font-size: 15px; font-weight: 500; margin-bottom: 6px; }
  .process-desc { font-size: 13px; color: var(--text-muted); line-height: 1.6; }

  /* CTA Banner */
  .cta-banner {
    background: #2C2C2C; border-radius: var(--radius-lg);
    padding: 48px 48px; display: flex; justify-content: space-between; align-items: center; gap: 32px;
  }
  .cta-headline { font-family: var(--serif); font-size: 26px; font-weight: 700; color: #fff; margin-bottom: 10px; }
  .cta-sub { font-size: 14px; color: rgba(255,255,255,0.6); line-height: 1.7; max-width: 420px; }

  /* ===================== DPA PAGE ===================== */
  .dpa-hero {
    background: #2C2C2C; padding: 64px 24px;
    text-align: center; display: flex; flex-direction: column; align-items: center; gap: 18px;
  }
  .dpa-h1 { font-family: var(--serif); font-size: 36px; font-weight: 700; color: #fff; line-height: 1.2; }
  .dpa-h1 em { color: var(--gold-light); font-style: normal; }
  .dpa-hero-sub { font-size: 15px; color: rgba(255,255,255,0.6); line-height: 1.75; max-width: 520px; font-weight: 300; }
  .dpa-hero-note { font-size: 11px; color: rgba(255,255,255,0.35); font-style: italic; }
  .dpa-hero-btn { background: #F4763B; color: #fff; padding: 14px 32px; border-radius: 8px; font-size: 14px; font-weight: 500; border: none; cursor: pointer; font-family: var(--sans); }

  .which-banner {
    background: #fffbf4; border: 0.5px solid var(--border);
    border-left: 3px solid var(--gold-light); border-radius: 8px;
    padding: 16px 24px; display: flex; align-items: center; justify-content: space-between; gap: 20px;
    margin-bottom: 8px;
  }
  .which-text { font-size: 13px; color: var(--text-mid); line-height: 1.6; }
  .which-text strong { color: var(--text); font-weight: 500; }
  .which-link { font-size: 13px; color: #D4631A; font-weight: 500; white-space: nowrap; flex-shrink: 0; cursor: pointer; }

  .internal-grant-card {
    background: #2C2C2C; border-radius: var(--radius-lg);
    padding: 40px 44px; display: grid; grid-template-columns: 1fr auto; gap: 48px; align-items: center;
    margin-bottom: 8px;
  }
  .grant-title { font-family: var(--serif); font-size: 26px; font-weight: 700; color: #fff; margin-bottom: 12px; }
  .grant-desc { font-size: 14px; color: rgba(255,255,255,0.65); line-height: 1.75; font-weight: 300; max-width: 460px; }
  .grant-fine { font-size: 11px; color: rgba(255,255,255,0.3); margin-top: 14px; font-style: italic; line-height: 1.6; }
  .grant-cta-box { text-align: center; min-width: 160px; }
  .grant-cta-label { font-size: 11px; color: rgba(255,255,255,0.4); margin-bottom: 16px; line-height: 1.6; }
  .grant-btn { background: #F4763B; color: #fff; padding: 13px 24px; border-radius: 8px; font-size: 14px; font-weight: 500; border: none; cursor: pointer; width: 100%; font-family: var(--sans); }

  .programs-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 8px; }
  .program-card { background: #fff; border: 0.5px solid var(--border); border-radius: var(--radius); padding: 24px; }
  .program-header { display: flex; justify-content: space-between; align-items: flex-start; margin-bottom: 10px; }
  .program-name { font-family: var(--serif); font-size: 17px; font-weight: 700; }
  .program-source { font-size: 10px; color: var(--text-muted); letter-spacing: 1px; text-transform: uppercase; margin-top: 3px; }
  .program-divider { height: 0.5px; background: var(--border); margin: 14px 0; }
  .program-amount { font-family: var(--serif); font-size: 28px; font-weight: 700; color: #2C2C2C; }
  .program-amount-note { font-size: 12px; color: var(--text-muted); margin-top: 2px; margin-bottom: 14px; }
  .program-desc { font-size: 13px; color: var(--text-mid); line-height: 1.65; font-weight: 300; margin-bottom: 14px; }

  .mcc-card {
    border: 0.5px solid var(--border); border-radius: var(--radius);
    padding: 20px 28px; display: grid; grid-template-columns: auto 0.5px 1fr auto;
    gap: 24px; align-items: center; margin-bottom: 8px;
  }
  .mcc-divider-v { width: 0.5px; background: var(--border); height: 48px; }
  .mcc-amount { font-family: var(--serif); font-size: 28px; font-weight: 700; color: #2C2C2C; }
  .mcc-note { font-size: 11px; color: var(--text-muted); margin-top: 2px; }
  .mcc-name { font-size: 14px; font-weight: 500; margin-bottom: 4px; }
  .mcc-desc { font-size: 13px; color: var(--text-mid); line-height: 1.6; }

  .dpa-bottom-cta {
    background: #2C2C2C; border-radius: var(--radius-lg);
    padding: 36px 44px; display: flex; justify-content: space-between; align-items: center; gap: 32px;
  }
  .dpa-cta-label { font-size: 10px; letter-spacing: 2px; text-transform: uppercase; color: rgba(255,255,255,0.4); font-weight: 500; margin-bottom: 6px; }
  .dpa-cta-title { font-size: 18px; font-weight: 500; color: #fff; margin-bottom: 6px; }
  .dpa-cta-sub { font-size: 13px; color: rgba(255,255,255,0.5); line-height: 1.6; max-width: 440px; }

  /* ===================== BLOG PAGE ===================== */
  .blog-hero { padding: 56px 0 40px; border-bottom: 0.5px solid var(--border); }
  .blog-byline { display: flex; align-items: center; gap: 12px; margin-top: 22px; }
  .byline-avatar {
    width: 42px; height: 42px; border-radius: 50%; background: #FEE5D4;
    display: flex; align-items: center; justify-content: center;
    font-size: 13px; font-weight: 500; color: #2C2C2C; flex-shrink: 0;
  }
  .byline-name { font-size: 13px; font-weight: 500; }
  .byline-org { font-size: 11px; color: var(--text-muted); margin-top: 1px; }

  .filter-bar { display: flex; gap: 8px; padding: 20px 0; flex-wrap: wrap; border-bottom: 0.5px solid var(--border); }
  .filter-tab {
    padding: 6px 16px; border-radius: 20px; font-size: 12px; cursor: pointer;
    border: 0.5px solid var(--border); background: transparent; color: var(--text-mid);
    font-family: var(--sans); transition: all 0.15s;
  }
  .filter-tab.active { background: #2C2C2C; color: #fff; border-color: #2C2C2C; }
  .filter-tab:hover:not(.active) { border-color: rgba(0,0,0,0.2); }

  .featured-post {
    display: grid; grid-template-columns: 1fr 1fr;
    border: 0.5px solid var(--border); border-radius: var(--radius-lg); overflow: hidden; margin-bottom: 16px;
  }
  .featured-img {
    background: #EFF6FB; display: flex; flex-direction: column;
    align-items: center; justify-content: center; gap: 10px;
    border-right: 0.5px solid var(--border); padding: 40px;
    min-height: 240px;
  }
  .featured-img-label { font-size: 11px; color: #93ADC8; letter-spacing: 1px; text-transform: uppercase; }
  .featured-body { padding: 32px; display: flex; flex-direction: column; justify-content: center; gap: 10px; }
  .featured-title { font-family: var(--serif); font-size: 22px; font-weight: 700; line-height: 1.3; }
  .featured-excerpt { font-size: 13px; color: var(--text-mid); line-height: 1.7; font-weight: 300; }
  .featured-meta { font-size: 11px; color: var(--text-muted); }
  .read-link { font-size: 13px; color: #D4631A; font-weight: 500; }

  .posts-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
  .post-card { background: #fff; border: 0.5px solid var(--border); border-radius: var(--radius); overflow: hidden; }
  .post-thumb { height: 90px; display: flex; align-items: center; justify-content: center; }
  .post-body { padding: 18px; }
  .post-tag { font-size: 10px; letter-spacing: 1.5px; text-transform: uppercase; color: #D4631A; font-weight: 500; margin-bottom: 6px; }
  .post-title { font-family: var(--serif); font-size: 14px; font-weight: 700; line-height: 1.35; margin-bottom: 8px; }
  .post-excerpt { font-size: 12px; color: var(--text-muted); line-height: 1.6; margin-bottom: 10px; }
  .post-meta { font-size: 11px; color: var(--text-muted); }
  .post-author { display: flex; align-items: center; gap: 6px; margin-top: 10px; padding-top: 10px; border-top: 0.5px solid var(--border); }
  .author-avatar { width: 22px; height: 22px; border-radius: 50%; background: #FEE5D4; display: flex; align-items: center; justify-content: center; font-size: 9px; font-weight: 500; color: var(--navy); flex-shrink: 0; }
  .author-info { font-size: 11px; color: var(--text-mid); }
  .author-org { color: var(--text-muted); }

  .newsletter {
    padding: 40px 44px; background: var(--cream); border: 0.5px solid var(--border);
    border-radius: var(--radius-lg); display: flex; justify-content: space-between; align-items: center; gap: 32px;
  }
  .newsletter-label { font-size: 10px; letter-spacing: 2px; text-transform: uppercase; color: #D4631A; font-weight: 500; margin-bottom: 8px; }
  .newsletter-title { font-family: var(--serif); font-size: 20px; font-weight: 700; margin-bottom: 6px; }
  .newsletter-sub { font-size: 13px; color: var(--text-muted); line-height: 1.6; max-width: 380px; }
  .newsletter-form { display: flex; gap: 8px; flex-shrink: 0; }
  .newsletter-input {
    padding: 11px 16px; border-radius: 7px; border: 0.5px solid var(--border);
    background: #fff; font-size: 13px; width: 220px; font-family: var(--sans);
    outline: none; transition: border-color 0.15s;
  }
  .newsletter-input:focus { border-color: var(--navy); }
  .newsletter-btn { background: #2C2C2C; color: #fff; padding: 11px 20px; border-radius: 7px; font-size: 13px; font-weight: 500; border: none; cursor: pointer; white-space: nowrap; font-family: var(--sans); }

  /* ===================== ABOUT PAGE ===================== */
  .about-hero { display: grid; grid-template-columns: 1fr 1fr; gap: 64px; padding: 72px 0 64px; border-bottom: 0.5px solid var(--border); align-items: center; }
  .about-photo {
    background: var(--cream); border-radius: 50%;
    width: 320px; height: 320px; display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 12px;
    border: 0.5px solid var(--border); overflow: hidden; margin: 0 auto;
    box-shadow: 0 0 0 6px #fff, 0 0 0 7px var(--border);
  }
  .about-photo svg { opacity: 0.3; }
  .about-photo-label { font-size: 11px; color: var(--text-muted); letter-spacing: 1.5px; text-transform: uppercase; }
  .about-h1 { font-family: var(--serif); font-size: 38px; font-weight: 700; color: #2C2C2C; margin-bottom: 20px; line-height: 1.1; }
  .about-bio p { font-size: 15px; color: var(--text-mid); line-height: 1.8; margin-bottom: 16px; font-weight: 300; }
  .about-bio p:last-child { margin-bottom: 0; }

  .values-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; }
  .value-card { background: #fff; border: 0.5px solid var(--border); border-radius: var(--radius); padding: 24px; }
  .value-icon { width: 36px; height: 36px; border-radius: 8px; background: #FEF0E8; display: flex; align-items: center; justify-content: center; margin-bottom: 14px; }
  .value-title { font-size: 15px; font-weight: 500; margin-bottom: 6px; }
  .value-desc { font-size: 13px; color: var(--text-muted); line-height: 1.6; }

  .credentials-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
  .credential-item { display: flex; gap: 14px; align-items: flex-start; padding: 20px; border: 0.5px solid var(--border); border-radius: var(--radius); }
  .credential-icon { width: 36px; height: 36px; border-radius: 8px; background: #FEF0E8; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
  .credential-title { font-size: 14px; font-weight: 500; margin-bottom: 3px; }
  .credential-sub { font-size: 12px; color: var(--text-muted); line-height: 1.5; }

  /* ===================== CONTACT PAGE ===================== */
  .contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 48px; padding: 64px 0; }
  .contact-left h2 { font-family: var(--serif); font-size: 32px; font-weight: 700; color: #2C2C2C; margin-bottom: 16px; }
  .contact-left p { font-size: 15px; color: var(--text-mid); line-height: 1.75; font-weight: 300; margin-bottom: 32px; }
  .contact-methods { display: flex; flex-direction: column; gap: 16px; }
  .contact-method { display: flex; gap: 14px; align-items: flex-start; }
  .contact-method-icon { width: 38px; height: 38px; border-radius: 8px; background: #FEF0E8; display: flex; align-items: center; justify-content: center; flex-shrink: 0; }
  .contact-method-label { font-size: 11px; color: var(--text-muted); text-transform: uppercase; letter-spacing: 1px; margin-bottom: 3px; }
  .contact-method-val { font-size: 14px; font-weight: 500; }
  .contact-form-card { background: #fff; border: 0.5px solid var(--border); border-radius: var(--radius-lg); padding: 36px; }
  .form-title { font-family: var(--serif); font-size: 20px; font-weight: 700; margin-bottom: 6px; }
  .form-sub { font-size: 13px; color: var(--text-muted); margin-bottom: 24px; line-height: 1.6; }
  .form-group { margin-bottom: 16px; }
  .form-label { font-size: 12px; font-weight: 500; color: var(--text-mid); margin-bottom: 6px; display: block; letter-spacing: 0.3px; }
  .form-input, .form-select, .form-textarea {
    width: 100%; padding: 11px 14px; border-radius: 7px;
    border: 0.5px solid var(--border); background: #fff;
    font-size: 13px; font-family: var(--sans); color: var(--text);
    outline: none; transition: border-color 0.15s;
    -webkit-appearance: none;
  }
  .form-input:focus, .form-select:focus, .form-textarea:focus { border-color: var(--navy); }
  .form-textarea { resize: vertical; min-height: 100px; }
  .form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
  .form-submit { width: 100%; background: #2C2C2C; color: #fff; padding: 13px; border-radius: 8px; font-size: 14px; font-weight: 500; border: none; cursor: pointer; font-family: var(--sans); margin-top: 8px; transition: background 0.15s; }
  .form-submit:hover { background: var(--navy-dark); }
  .form-fine { font-size: 11px; color: var(--text-muted); margin-top: 10px; text-align: center; line-height: 1.5; }

  .licensed-strip { background: var(--cream); border: 0.5px solid var(--border); border-radius: var(--radius); padding: 20px 24px; margin-top: 24px; }
  .licensed-title { font-size: 11px; letter-spacing: 2px; text-transform: uppercase; color: var(--text-muted); font-weight: 500; margin-bottom: 12px; }
  .licensed-states { display: flex; gap: 10px; flex-wrap: wrap; }
  .state-badge { background: #fff; border: 0.5px solid var(--border); border-radius: 6px; padding: 5px 12px; font-size: 12px; font-weight: 500; color: #2C2C2C; }

  /* ===================== SECTION HEADERS ===================== */
  .section-header { display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 28px; }
  .section-title { font-family: var(--serif); font-size: 26px; font-weight: 700; color: #2C2C2C; }
  .section-link { font-size: 13px; color: #D4631A; font-weight: 500; cursor: pointer; }

  /* ===================== INLINE CTA ===================== */
  .inline-cta {
    background: var(--cream); border: 0.5px solid var(--border);
    border-left: 3px solid var(--gold-light); border-radius: 8px;
    padding: 20px 24px; display: flex; justify-content: space-between; align-items: center; gap: 20px;
  }
  .inline-cta-label { font-size: 10px; letter-spacing: 1.5px; text-transform: uppercase; color: #D4631A; font-weight: 500; margin-bottom: 4px; }
  .inline-cta-title { font-size: 15px; font-weight: 500; }
  .inline-cta-sub { font-size: 12px; color: var(--text-muted); margin-top: 2px; }
  .inline-btn { background: #2C2C2C; color: #fff; padding: 11px 20px; border-radius: 7px; font-size: 13px; font-weight: 500; border: none; cursor: pointer; white-space: nowrap; flex-shrink: 0; font-family: var(--sans); }

  /* ===================== CALCULATORS PAGE ===================== */
  .calc-tabs { display: flex; gap: 8px; margin-bottom: 28px; flex-wrap: wrap; }
  .calc-tab {
    padding: 10px 20px; border-radius: 24px; font-size: 13px; font-weight: 500; cursor: pointer;
    border: 0.5px solid var(--border); background: #fff; color: var(--text-mid); font-family: var(--sans);
  }
  .calc-tab.active { background: #2C2C2C; color: #fff; border-color: #2C2C2C; }
  .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; align-items: start; }
  .calc-card { background: #fff; border: 0.5px solid var(--border); border-radius: var(--radius-lg); padding: 28px; }
  .calc-field { margin-bottom: 16px; }
  .calc-field label { display: flex; justify-content: space-between; font-size: 12px; font-weight: 500; color: var(--text-mid); margin-bottom: 6px; }
  .calc-field label span { font-weight: 400; color: var(--text-muted); }
  .calc-input-wrap { position: relative; display: flex; align-items: center; }
  .calc-input-wrap .prefix, .calc-input-wrap .suffix { position: absolute; font-size: 13px; color: var(--text-muted); pointer-events: none; }
  .calc-input-wrap .prefix { left: 12px; }
  .calc-input-wrap .suffix { right: 12px; }
  .calc-input-wrap input, .calc-input-wrap select { padding-left: 26px; }
  .calc-input-wrap.no-prefix input, .calc-input-wrap.no-prefix select { padding-left: 14px; }
  .calc-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
  .calc-range { width: 100%; margin-top: 8px; accent-color: #D4631A; }
  .calc-result { background: #2C2C2C; color: #fff; border-radius: var(--radius-lg); padding: 28px; position: sticky; top: 84px; }
  .calc-result-label { font-size: 11px; letter-spacing: 2px; text-transform: uppercase; color: rgba(255,255,255,0.5); font-weight: 500; }
  .calc-result-big { font-family: var(--serif); font-size: 44px; font-weight: 700; color: #F4763B; line-height: 1.1; margin: 6px 0 4px; }
  .calc-result-sub { font-size: 13px; color: rgba(255,255,255,0.6); }
  .calc-bar { display: flex; height: 10px; border-radius: 6px; overflow: hidden; margin: 22px 0 16px; background: rgba(255,255,255,0.1); }
  .calc-bar div { height: 100%; transition: width 0.2s; }
  .calc-lines { display: flex; flex-direction: column; gap: 10px; }
  .calc-line { display: flex; justify-content: space-between; align-items: center; font-size: 13px; color: rgba(255,255,255,0.8); }
  .calc-line .dot { display: inline-block; width: 9px; height: 9px; border-radius: 50%; margin-right: 8px; }
  .calc-line strong { color: #fff; font-weight: 500; }
  .calc-divider { height: 0.5px; background: rgba(255,255,255,0.15); margin: 16px 0; }
  .calc-scenarios { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 4px; }
  .calc-scenario { background: rgba(255,255,255,0.06); border: 0.5px solid rgba(255,255,255,0.15); border-radius: var(--radius); padding: 16px; }
  .calc-scenario.primary { background: rgba(244,118,59,0.14); border-color: rgba(244,118,59,0.5); }
  .calc-scenario-name { font-size: 11px; letter-spacing: 1.5px; text-transform: uppercase; color: rgba(255,255,255,0.55); font-weight: 500; }
  .calc-scenario-price { font-family: var(--serif); font-size: 24px; font-weight: 700; color: #fff; margin: 4px 0 2px; }
  .calc-scenario-note { font-size: 11px; color: rgba(255,255,255,0.55); line-height: 1.5; }
  .calc-fine { font-size: 11px; color: var(--text-muted); line-height: 1.7; margin-top: 20px; }
  .calc-hint { font-size: 11px; color: var(--text-muted); margin-top: 5px; line-height: 1.5; }

  /* ===================== CENTRAL IOWA GUIDE CARDS ===================== */
  .guide-intro { font-size: 14px; color: var(--text-muted); margin-bottom: 28px; line-height: 1.75; }
  .guide-heading { font-family: var(--sans); line-height: 1.6; font-size: 11px; letter-spacing: 2px; text-transform: uppercase; color: #F4763B; font-weight: 500; margin: 0 0 16px; padding-bottom: 10px; border-bottom: 0.5px solid var(--border); }
  .guide-grid { display: grid; grid-template-columns: repeat(2, 1fr); gap: 12px; margin-bottom: 36px; }
  .guide-card { background: #fff; border: 0.5px solid var(--border); border-radius: var(--radius); padding: 20px; }
  .guide-name { font-size: 15px; font-weight: 500; margin-bottom: 4px; }
  .guide-meta { font-size: 12px; color: #F4763B; margin-bottom: 8px; }
  .guide-desc { font-size: 13px; color: var(--text-muted); line-height: 1.65; }
  .guide-link { display: inline-block; margin-top: 10px; font-size: 12px; color: #D4631A; font-weight: 500; }
  .guide-note { padding: 18px 22px; background: #FEF0E8; border-radius: var(--radius); border-left: 3px solid #F4763B; font-size: 13px; color: var(--text-mid); line-height: 1.7; margin-bottom: 8px; }

  /* ===================== ASK LOUIE BOX ===================== */
  .ask-box { background: #fff; border: 0.5px solid var(--border); border-radius: var(--radius-lg); padding: 32px; box-shadow: 0 8px 32px rgba(0,0,0,0.05); }
  .ask-form { display: flex; gap: 10px; align-items: stretch; }
  .ask-form textarea { flex: 1; min-height: 52px; resize: vertical; }
  .ask-form button { white-space: nowrap; }
  .ask-suggestions { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 12px; }
  .ask-chip { font-size: 12px; padding: 6px 12px; border-radius: 20px; border: 0.5px solid var(--border); background: var(--cream); color: var(--text-mid); cursor: pointer; font-family: var(--sans); }
  .ask-chip:hover { border-color: rgba(0,0,0,0.25); }
  .ask-answer { margin-top: 20px; padding: 20px 22px; background: var(--cream); border-left: 3px solid #F4763B; border-radius: 8px; font-size: 14px; line-height: 1.75; color: var(--text); }
  .ask-answer p + p { margin-top: 10px; }
  .ask-answer-label { font-size: 10px; letter-spacing: 2px; text-transform: uppercase; color: #D4631A; font-weight: 500; margin-bottom: 8px; }
  .ask-handoff { margin-top: 20px; padding: 22px; border: 0.5px solid var(--border); border-radius: var(--radius); background: #fffbf4; }
  .ask-status { font-size: 13px; color: var(--text-muted); margin-top: 14px; }
  .ask-fine { font-size: 11px; color: var(--text-muted); margin-top: 14px; line-height: 1.6; }

  /* Tighter nav spacing on tablet-width screens so the extra link fits */
  @media (min-width: 769px) and (max-width: 1040px) {
    .nav-inner { gap: 20px; }
    .nav-links { gap: 16px; }
    .nav-links a { font-size: 12px; }
  }

  /* ===================== RESPONSIVE ===================== */
  @media (max-width: 768px) {
    html, body { overflow-x: hidden !important; }
    .wrap { padding: 0 16px !important; }
    img { max-width: 100% !important; height: auto; }

    .hero { grid-template-columns: 1fr; min-height: auto; }
    .hero-right { display: flex; min-height: 440px; border-left: none; border-top: 0.5px solid var(--border); }
    .hero-left { padding: 36px 0 32px; max-width: 100%; }
    .hero-h1 { font-size: 28px; }
    .hero-sub { font-size: 14px; }
    .hero-actions { gap: 8px; flex-wrap: wrap; }

    .stat-strip { flex-wrap: wrap; }
    .stat-item { min-width: 50%; border-bottom: 0.5px solid var(--border); }
    .stat-num { font-size: 26px; }

    .section { padding: 40px 0; }
    .section-title { font-size: 20px; }
    .section-header { flex-direction: column; gap: 8px; }

    .reviews-grid { grid-template-columns: 1fr; }
    .loans-grid { grid-template-columns: 1fr 1fr; }
    .posts-grid { grid-template-columns: 1fr; }
    .process-grid { grid-template-columns: 1fr; }
    .programs-grid { grid-template-columns: 1fr; }
    .credentials-grid { grid-template-columns: 1fr; }
    .values-grid { grid-template-columns: 1fr; }

    .process-step { border-right: none; border-bottom: 0.5px solid var(--border); }
    .process-step:last-child { border-bottom: none; }

    .featured-post { grid-template-columns: 1fr; }
    .featured-img { display: none; }
    .featured-title { font-size: 18px; }

    .about-hero { grid-template-columns: 1fr; gap: 32px; }
    .about-h1 { font-size: 28px; }

    .contact-grid { grid-template-columns: 1fr; gap: 32px; }
    .form-row { grid-template-columns: 1fr; }

    .cta-banner { flex-direction: column; align-items: flex-start; padding: 28px 20px; gap: 20px; }
    .cta-headline { font-size: 20px; }

    .internal-grant-card { grid-template-columns: 1fr; padding: 28px 20px; gap: 24px; }
    .grant-title { font-size: 20px; }
    .grant-cta-box { text-align: left; }
    .dpa-h1 { font-size: 24px; }
    .dpa-hero { padding: 40px 16px; }
    .dpa-bottom-cta { flex-direction: column; align-items: flex-start; gap: 20px; padding: 24px 20px; }
    .which-banner { flex-direction: column; align-items: flex-start; gap: 12px; }
    .mcc-card { grid-template-columns: 1fr; gap: 12px; padding: 16px; }
    .mcc-divider-v { display: none; }

    .newsletter { flex-direction: column; align-items: flex-start; padding: 28px 20px; }
    .newsletter-form { flex-direction: column; width: 100%; }
    .newsletter-input { width: 100%; }

    .footer-main { grid-template-columns: 1fr; gap: 28px; padding: 32px 16px 24px; }
    .copyright-bar { flex-direction: column; gap: 8px; align-items: flex-start; padding: 12px 16px; }

    .inline-cta { flex-direction: column; align-items: flex-start; }
    .blog-hero h1 { font-size: 26px; }
    .difference-grid { grid-template-columns: 1fr !important; gap: 32px !important; }
    [style*="grid-template-columns:1fr 1fr"] { grid-template-columns: 1fr !important; }
    [style*="gap:64px"] { gap: 32px !important; }
    /* Inline grids that previously stayed multi-column on phones */
    [style*="grid-template-columns:repeat(4,1fr)"] { grid-template-columns: 1fr 1fr !important; }
    [style*="grid-template-columns:repeat(3,1fr)"] { grid-template-columns: 1fr !important; }
    [style*="grid-template-columns:3fr 2fr"] { grid-template-columns: 1fr !important; }
    [style*="grid-template-columns:3fr 2fr"] > div { min-height: 220px !important; }
    [style*="grid-template-columns:1fr 2fr"] { grid-template-columns: 1fr !important; gap: 24px !important; }
    [style*="grid-template-columns:1fr 2fr"] > [style*="position:sticky"] { position: static !important; }
    [style*="grid-template-columns:1fr auto"] { grid-template-columns: 1fr !important; gap: 24px !important; padding-left: 20px !important; padding-right: 20px !important; }
    .form-input, .form-select, .form-textarea, .newsletter-input { font-size: 16px; } /* stops iOS zooming into fields */
    .guide-grid { grid-template-columns: 1fr; }
    .calc-lead-grid { grid-template-columns: 1fr !important; gap: 16px !important; }
    .section-divider-text { white-space: normal; line-height: 1.6; }
    .calc-grid { grid-template-columns: 1fr; }
    .calc-result { position: static; }
    .calc-result-big { font-size: 36px; }
    .calc-card, .calc-result, .ask-box { padding: 20px; }
    .ask-form { flex-direction: column; }
    .nav-links { display: none !important; flex-direction: column; position: absolute; top: 64px; left: 0; right: 0; background: #fff; border-bottom: 0.5px solid #e5e5e5; padding: 16px 24px; gap: 16px; z-index: 999; box-shadow: 0 4px 12px rgba(0,0,0,0.08); }
    .nav-links.open { display: flex !important; }
    .nav-toggle { display: flex !important; }
  }

  @media (max-width: 480px) {
    .hero-h1 { font-size: 24px; }
    .loans-grid { grid-template-columns: 1fr; }
    .btn-primary, .btn-gold, .btn-outline { font-size: 13px; padding: 11px 16px; }
    .nav-links a { font-size: 15px; padding: 8px 0; border-bottom: 0.5px solid #f0f0f0; width: 100%; display: block; }
    .nav-links a:last-child { border-bottom: none; }
  }

/* ===================== ARTICLE & LANDING PAGES (generated) ===================== */
.breadcrumb { font-size: 12px; color: var(--text-muted); padding: 24px 0 0; }
.breadcrumb a { color: var(--text-muted); text-decoration: underline; }
.article { max-width: 720px; margin: 0 auto; padding: 24px 0 56px; }
.article-header { padding: 16px 0 28px; border-bottom: 0.5px solid var(--border); margin-bottom: 32px; }
.article-header h1 { font-family: var(--serif); font-size: 38px; line-height: 1.15; color: #2C2C2C; margin: 10px 0 14px; }
.article-dek { font-size: 17px; color: var(--text-mid); line-height: 1.7; font-weight: 300; }
.article-meta { display: flex; align-items: center; gap: 12px; margin-top: 20px; font-size: 12px; color: var(--text-muted); }
.article-body { font-size: 16px; line-height: 1.8; color: #2a2a2a; }
.article-body p { margin-bottom: 18px; line-height: 1.8; }
.article-body h2 { font-family: var(--serif); font-size: 24px; line-height: 1.25; margin: 36px 0 14px; color: #2C2C2C; }
.article-body h3 { font-family: var(--sans); font-size: 17px; font-weight: 500; margin: 26px 0 10px; }
.article-body ul, .article-body ol { margin: 0 0 18px 22px; }
.article-body li { margin-bottom: 8px; line-height: 1.7; }
.article-body a { color: #D4631A; text-decoration: underline; text-underline-offset: 2px; }
.article-body strong { font-weight: 500; color: #1a1a1a; }
.key-takeaways { background: var(--cream); border-left: 3px solid #F4763B; border-radius: 8px; padding: 20px 24px; margin: 0 0 28px; }
.key-takeaways-title { font-size: 11px; letter-spacing: 2px; text-transform: uppercase; color: #D4631A; font-weight: 500; margin-bottom: 10px; }
.key-takeaways ul { margin-bottom: 0; }
.article-faq { margin-top: 40px; }
.article-faq details { border: 0.5px solid var(--border); border-radius: var(--radius); padding: 16px 20px; margin-bottom: 10px; background: #fff; }
.article-faq summary { cursor: pointer; font-weight: 500; font-size: 15px; }
.article-faq details p { margin: 12px 0 0; font-size: 15px; color: var(--text-mid); }
.article-sources { margin-top: 40px; padding-top: 20px; border-top: 0.5px solid var(--border); font-size: 13px; color: var(--text-muted); }
.article-sources ul { margin-left: 18px; }
.article-sources li { margin-bottom: 6px; }
.article-sources a { color: var(--text-mid); }
.author-box { display: flex; gap: 16px; align-items: flex-start; margin-top: 40px; padding: 22px; background: var(--cream); border-radius: var(--radius-lg); border: 0.5px solid var(--border); }
.author-box img { width: 64px; height: 64px; border-radius: 50%; object-fit: cover; flex-shrink: 0; }
.author-box-name { font-weight: 500; font-size: 15px; }
.author-box-text { font-size: 13px; color: var(--text-mid); line-height: 1.65; margin-top: 4px; }
.article-cta { margin-top: 32px; background: #2C2C2C; border-radius: var(--radius-lg); padding: 28px 32px; display: flex; justify-content: space-between; align-items: center; gap: 20px; flex-wrap: wrap; }
.article-cta-title { font-family: var(--serif); font-size: 20px; color: #fff; font-weight: 700; }
.article-cta-sub { font-size: 13px; color: rgba(255,255,255,0.6); margin-top: 4px; }
.related { margin-top: 40px; }
.related-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 12px; margin-top: 14px; }
.related-card { border: 0.5px solid var(--border); border-radius: var(--radius); padding: 16px; font-size: 14px; font-weight: 500; line-height: 1.4; background: #fff; }
.related-card span { display: block; font-size: 10px; letter-spacing: 1.5px; text-transform: uppercase; color: #D4631A; margin-bottom: 6px; font-weight: 500; }
.area-chips { display: flex; flex-wrap: wrap; gap: 8px; margin: 8px 0 20px; }
.area-chip { font-size: 13px; padding: 6px 12px; border-radius: 20px; background: #FEF0E8; color: #2C2C2C; }
a.post-card { display: block; transition: border-color 0.15s, transform 0.15s; }
a.post-card:hover { border-color: rgba(0,0,0,0.2); transform: translateY(-1px); }
.compliance-footer-note { font-size: 11px; color: var(--text-muted); line-height: 1.7; margin-top: 24px; }
@media (max-width: 768px) {
  .article-header h1 { font-size: 28px; }
  .related-grid { grid-template-columns: 1fr; }
  .article-cta { padding: 22px; }
}

/* Calculator estimate disclaimers */
.calc-disclaimer { font-size: 13px; line-height: 1.65; color: var(--text-mid); background: #fffbf4; border: 0.5px solid var(--border); border-left: 3px solid #F4763B; border-radius: 8px; padding: 14px 18px; margin-bottom: 20px; }
.calc-disclaimer strong { color: #1a1a1a; font-weight: 500; }
.calc-estimate-note { font-size: 11px; color: rgba(255,255,255,0.5); font-style: italic; margin-top: 6px; line-height: 1.5; }
/* Equal Housing Opportunity block (footer of every page) */
.eho { display: flex; align-items: center; gap: 12px; flex-basis: 100%; padding: 6px 0 10px; }
.eho-logo { color: #2C2C2C; flex-shrink: 0; }
.eho-text { font-size: 11px; color: var(--text-muted); line-height: 1.6; max-width: 620px; }
.eho-text strong { color: #2C2C2C; font-weight: 500; }
/* Team photos (About page) */
.team-photos { display: grid; grid-template-columns: 1fr 1fr; gap: 2px; background: var(--border); }
.team-photos img { width: 100%; aspect-ratio: 3 / 4; object-fit: cover; display: block; }
/* Keep nav links on one line now that there are more of them */
@media (min-width: 769px) {
  .nav-links a { white-space: nowrap; }
  .nav-inner { gap: 24px; }
  .nav-links { gap: 20px; }
}
@media (min-width: 769px) and (max-width: 1040px) {
  .nav-links { gap: 12px; }
  .nav-links a { font-size: 12px; }
  .nav-cta { padding: 8px 12px; }
}
/* Tablets: use the menu button instead of a crowded link row */
@media (min-width: 769px) and (max-width: 1023px) {
  .nav-links { display: none !important; flex-direction: column; align-items: flex-start; position: absolute; top: 64px; left: 0; right: 0; background: #fff; border-bottom: 0.5px solid #e5e5e5; padding: 16px 24px; gap: 14px; z-index: 999; box-shadow: 0 4px 12px rgba(0,0,0,0.08); }
  .nav-links.open { display: flex !important; }
  .nav-links a { font-size: 14px; }
  .nav-toggle { display: flex !important; }
}