/* Jay Dao — clean investor mortgage. Animate transform + opacity only. */

:root {
  --jd-navy: #0b1b4a;
  --jd-blue: #1557c0;
  --jd-ink: #0b1b4a;
  --jd-muted: #5a6578;
  --jd-line: rgba(11, 27, 74, 0.1);
  --jd-wash: #f5f7fb;
  --jd-surface: #ffffff;
  --jd-ease: cubic-bezier(0.22, 1, 0.36, 1);
  --jd-radius: 0.55rem;
}

.jd-page {
  background: var(--jd-wash);
  color: var(--jd-ink);
}

.jd-page::before {
  content: "";
  position: fixed;
  inset: 0;
  pointer-events: none;
  z-index: 0;
  opacity: 0.4;
  background-image:
    linear-gradient(rgba(21, 87, 192, 0.055) 1px, transparent 1px),
    linear-gradient(90deg, rgba(21, 87, 192, 0.055) 1px, transparent 1px);
  background-size: 48px 48px;
  mask-image: radial-gradient(ellipse at 50% 0%, #000 0%, transparent 70%);
}

.jd-page > *:not(.sr-only) {
  position: relative;
  z-index: 1;
}

.jd-page [data-site-header] {
  background: rgba(255, 255, 255, 0.94);
  border-bottom: 1px solid var(--jd-line);
  backdrop-filter: blur(14px);
}

/* —— Topbar —— */
.jd-topbar {
  display: flex;
  align-items: center;
  gap: 0.75rem;
  max-width: 72rem;
  width: 100%;
  box-sizing: border-box;
  margin-inline: auto;
  padding: 0.85rem 1.15rem;
}

.jd-wordmark {
  margin-right: auto;
  font-family: "Albert Sans", system-ui, sans-serif;
  font-size: 1.2rem;
  font-weight: 750;
  letter-spacing: -0.03em;
  color: var(--jd-navy);
  text-decoration: none;
}

.jd-wordmark:hover,
.jd-wordmark:focus-visible {
  color: var(--jd-blue);
}

.jd-wordmark:focus-visible {
  outline: 2px solid var(--jd-blue);
  outline-offset: 3px;
}

.jd-topbar__phone {
  display: none;
  color: var(--jd-navy);
  font-size: 0.92rem;
  font-weight: 650;
  letter-spacing: -0.01em;
  text-decoration: none;
  white-space: nowrap;
}

.jd-topbar__phone:hover,
.jd-topbar__phone:focus-visible {
  color: var(--jd-blue);
}

.jd-topbar__phone:focus-visible {
  outline: 2px solid var(--jd-blue);
  outline-offset: 3px;
}

.jd-page .jd-topbar__cta.jd-btn {
  display: inline-flex !important;
  flex-shrink: 0;
  min-height: 2.5rem;
  padding: 0.4rem 0.95rem;
  font-size: 0.85rem;
}

@media (min-width: 640px) {
  .jd-topbar {
    padding: 0.95rem 1.5rem;
  }

  .jd-wordmark {
    font-size: 1.3rem;
  }

  .jd-topbar__phone {
    display: inline-flex;
  }

  .jd-page .jd-topbar__cta.jd-btn {
    min-height: 2.75rem;
    padding: 0.55rem 1.2rem;
    font-size: 0.9rem;
  }
}

/* —— Eyebrows / filetabs —— */
.jd-filetab {
  display: inline-flex;
  align-items: center;
  gap: 0.55rem;
  font-size: 0.72rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--jd-blue);
}

.jd-filetab::after {
  content: "";
  width: 2.4rem;
  height: 2px;
  background: var(--jd-blue);
}

.jd-filetab--light {
  color: #9db4e8;
}

.jd-filetab--light::after {
  background: #9db4e8;
}

.jd-brand-signal {
  font-family: "Albert Sans", system-ui, sans-serif;
  font-size: clamp(1.85rem, 3.5vw, 2.35rem);
  font-weight: 750;
  letter-spacing: -0.04em;
  line-height: 1;
  color: var(--jd-navy);
}

/* —— Buttons —— */
.jd-btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.55rem;
  min-height: 3rem;
  padding: 0.75rem 1.4rem;
  border-radius: var(--jd-radius);
  font-weight: 700;
  font-size: 0.95rem;
  letter-spacing: -0.01em;
  text-decoration: none;
  box-shadow: 0 8px 22px rgba(11, 27, 74, 0.14);
  transform: translateY(0);
  transition-property: transform, opacity, box-shadow, background-color, color, border-color;
  transition-duration: 220ms;
  transition-timing-function: var(--jd-ease);
}

.jd-btn:hover {
  transform: translateY(-2px);
}

.jd-btn:active {
  transform: translateY(1px);
  box-shadow: 0 2px 8px rgba(11, 27, 74, 0.12);
}

.jd-btn:focus-visible {
  outline: 2px solid var(--jd-blue);
  outline-offset: 3px;
}

.jd-btn--primary {
  background: var(--jd-navy);
  color: #fff;
}

.jd-btn--primary:hover {
  background: #081436;
}

.jd-btn--ghost {
  background: transparent;
  color: var(--jd-navy);
  border: 1px solid rgba(11, 27, 74, 0.18);
  box-shadow: none;
}

.jd-btn--ghost:hover {
  border-color: var(--jd-navy);
  background: rgba(11, 27, 74, 0.04);
}

.jd-btn--ghost-ink {
  background: transparent;
  color: var(--jd-navy);
  border: 1px solid rgba(11, 27, 74, 0.18);
  box-shadow: none;
}

.jd-btn--ghost-ink:hover {
  border-color: var(--jd-blue);
  color: var(--jd-blue);
}

.jd-btn--on-navy {
  background: #fff;
  color: var(--jd-navy);
}

.jd-btn--on-navy:hover {
  background: #e8eefc;
}

.jd-btn--ghost-light {
  background: transparent;
  color: #fff;
  border: 1px solid rgba(255, 255, 255, 0.3);
  box-shadow: none;
}

.jd-btn--ghost-light:hover {
  background: rgba(255, 255, 255, 0.08);
  border-color: #fff;
}

/* —— Reveal motion —— */
@keyframes jd-rise {
  from {
    opacity: 0;
    transform: translateY(14px);
  }
  to {
    opacity: 1;
    transform: translateY(0);
  }
}

.jd-reveal {
  animation: jd-rise 700ms var(--jd-ease) both;
}

.jd-reveal--delay {
  animation-delay: 140ms;
}

/* —— Hero —— */
.jd-hero,
.jd-thanks-hero {
  padding: 3.5rem 1.25rem 3rem;
}

@media (min-width: 768px) {
  .jd-hero,
  .jd-thanks-hero {
    padding: 4.5rem 2rem 4rem;
  }
}

.jd-hero__inner,
.jd-thanks-hero__inner {
  width: 100%;
  max-width: 72rem;
  margin-inline: auto;
}

.jd-hero--portrait .jd-hero__inner {
  display: grid;
  gap: 2.5rem;
  align-items: center;
}

@media (min-width: 768px) {
  .jd-hero--portrait .jd-hero__inner {
    grid-template-columns: minmax(0, 1.05fr) minmax(240px, 0.85fr);
    gap: 2.25rem;
  }
}

@media (min-width: 1100px) {
  .jd-hero--portrait .jd-hero__inner {
    gap: 3rem;
    grid-template-columns: minmax(0, 1.05fr) minmax(280px, 0.9fr);
  }
}

.jd-hero h1,
.jd-thanks-hero h1 {
  font-family: "Albert Sans", system-ui, sans-serif;
  font-weight: 750;
  font-size: clamp(2.05rem, 4.6vw, 3.35rem);
  line-height: 1.06;
  letter-spacing: -0.035em;
  color: var(--jd-navy);
  text-wrap: balance;
}

.jd-hero h1 em {
  font-style: normal;
  color: var(--jd-blue);
}

.jd-hero__portrait {
  position: relative;
  margin: 0;
  border-radius: 1.15rem;
  overflow: hidden;
  background:
    radial-gradient(ellipse at 50% 30%, #1a2f6a 0%, #0b1b4a 55%, #060e28 100%);
  box-shadow:
    0 1px 2px rgba(11, 27, 74, 0.06),
    0 28px 56px rgba(11, 27, 74, 0.18);
  aspect-ratio: 4 / 5;
  max-width: 26rem;
  margin-inline: auto;
  width: 100%;
}

.jd-hero__portrait img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.jd-hero__caption {
  position: absolute;
  left: 0;
  right: 0;
  bottom: 0;
  display: flex;
  align-items: baseline;
  justify-content: space-between;
  gap: 1rem;
  padding: 2.75rem 1.25rem 1.15rem;
  background: linear-gradient(to top, rgba(6, 14, 40, 0.92) 0%, transparent 100%);
  color: #fff;
  font-size: 0.85rem;
}

.jd-hero__caption strong {
  font-weight: 700;
  letter-spacing: -0.02em;
  white-space: nowrap;
}

.jd-hero__caption span {
  text-align: right;
  font-size: 0.72rem;
  font-weight: 650;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.7);
}

/* —— Cards / surfaces —— */
.jd-card {
  background: var(--jd-surface);
  border: 1px solid var(--jd-line);
  border-radius: 1.1rem;
  box-shadow: 0 1px 2px rgba(11, 27, 74, 0.04), 0 16px 36px rgba(11, 27, 74, 0.06);
}

.jd-ledger {
  padding: 1.35rem 1.4rem 1.25rem;
}

.jd-ledger h2,
.jd-ledger h3 {
  font-family: "Albert Sans", system-ui, sans-serif;
  font-size: 1.2rem;
  font-weight: 750;
  letter-spacing: -0.02em;
  color: var(--jd-navy);
}

.jd-ledger-inline {
  padding-top: 0.25rem;
}

.jd-bar {
  margin-top: 0.85rem;
}

.jd-bar__meta {
  display: flex;
  justify-content: space-between;
  gap: 0.75rem;
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--jd-muted);
}

.jd-bar__track {
  margin-top: 0.35rem;
  height: 0.55rem;
  border-radius: 999px;
  background: rgba(11, 27, 74, 0.08);
  overflow: hidden;
}

.jd-bar__fill {
  display: block;
  height: 100%;
  border-radius: 999px;
}

.jd-bar__fill--rent {
  width: 92%;
  background: var(--jd-blue);
}

.jd-bar__fill--pmt {
  width: 68%;
  background: rgba(11, 27, 74, 0.28);
}

.jd-ledger__note {
  margin-top: 0.95rem;
  font-size: 0.75rem;
  line-height: 1.45;
  color: var(--jd-muted);
}

/* —— Idea —— */
.jd-idea {
  padding: 4rem 1.25rem;
}

@media (min-width: 768px) {
  .jd-idea {
    padding: 5.5rem 2rem;
  }
}

.jd-idea__quote {
  font-family: "Albert Sans", system-ui, sans-serif;
  font-size: clamp(1.7rem, 3.2vw, 2.4rem);
  line-height: 1.15;
  letter-spacing: -0.03em;
  font-weight: 750;
  max-width: 18ch;
  color: var(--jd-navy);
}

.jd-compare {
  display: grid;
  gap: 0.75rem;
}

@media (min-width: 640px) {
  .jd-compare {
    grid-template-columns: 1fr 1fr;
  }
}

.jd-compare__card {
  padding: 1.15rem 1.2rem;
  border-radius: 1rem;
  background: #fff;
  border: 1px solid var(--jd-line);
}

.jd-compare__card--on {
  border-color: rgba(21, 87, 192, 0.35);
  box-shadow: 0 10px 28px rgba(21, 87, 192, 0.08);
}

.jd-compare__icon {
  width: 2.2rem;
  height: 2.2rem;
  color: var(--jd-blue);
}

.jd-photo {
  overflow: hidden;
  border-radius: 1.15rem;
  border: 1px solid var(--jd-line);
  background: #fff;
  box-shadow: 0 1px 2px rgba(11, 27, 74, 0.04), 0 18px 40px rgba(11, 27, 74, 0.06);
}

.jd-photo img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
}

.jd-photo--tall img {
  aspect-ratio: 4 / 3;
  max-height: 28rem;
}

/* —— Fit —— */
.jd-fit {
  display: grid;
  gap: 0;
  border-top: 1px solid var(--jd-line);
}

.jd-fit li {
  display: grid;
  gap: 0.35rem;
  padding: 1.35rem 0;
  border-bottom: 1px solid var(--jd-line);
}

@media (min-width: 720px) {
  .jd-fit li {
    grid-template-columns: 10rem minmax(0, 1fr);
    gap: 1.5rem;
    align-items: baseline;
  }
}

.jd-fit__label {
  font-size: 0.78rem;
  font-weight: 750;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--jd-blue);
}

.jd-fit p {
  margin: 0;
  font-size: 1.05rem;
  line-height: 1.55;
  color: var(--jd-ink);
}

/* —— Process —— */
.jd-process {
  display: grid;
  gap: 1rem;
  counter-reset: none;
}

@media (min-width: 900px) {
  .jd-process {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 1.5rem;
  }
}

.jd-process li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1rem;
  align-items: start;
  padding: 1.25rem 0 0;
}

@media (min-width: 900px) {
  .jd-process li {
    grid-template-columns: 1fr;
    padding: 0;
    border-top: 2px solid var(--jd-navy);
    padding-top: 1.35rem;
  }
}

.jd-process__num {
  width: 2rem;
  height: 2rem;
  border-radius: 999px;
  display: grid;
  place-items: center;
  font-size: 0.8rem;
  font-weight: 750;
  color: var(--jd-blue);
  background: rgba(21, 87, 192, 0.1);
}

.jd-process h3 {
  font-size: 1.1rem;
  font-weight: 750;
  letter-spacing: -0.02em;
  color: var(--jd-navy);
}

.jd-process p {
  margin-top: 0.4rem;
  font-size: 0.95rem;
  line-height: 1.55;
  color: var(--jd-muted);
}

/* —— Meet Jay —— */
.jd-meet {
  background: var(--jd-navy);
  color: #fff;
}

.jd-meet__inner {
  max-width: 72rem;
  margin-inline: auto;
  display: grid;
  gap: 2rem;
  padding: 3.5rem 1.25rem;
  align-items: center;
}

@media (min-width: 768px) {
  .jd-meet__inner {
    grid-template-columns: minmax(220px, 20rem) minmax(0, 1fr);
    gap: 3rem;
    padding: 4.5rem 2rem;
  }
}

.jd-meet__photo {
  margin: 0;
  border-radius: 1.15rem;
  overflow: hidden;
  background: #060e28;
  aspect-ratio: 4 / 5;
  max-width: 20rem;
  box-shadow: 0 24px 48px rgba(0, 0, 0, 0.35);
}

.jd-meet__photo img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center top;
}

.jd-meet__copy h2 {
  font-family: "Albert Sans", system-ui, sans-serif;
  font-weight: 750;
  font-size: clamp(2rem, 4vw, 3rem);
  letter-spacing: -0.035em;
  line-height: 1.05;
}

.jd-meet__role {
  margin-top: 0.65rem;
  font-size: 0.82rem;
  font-weight: 650;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: #9db4e8;
}

.jd-meet__creds {
  display: grid;
  gap: 0.65rem;
  margin-top: 1.5rem;
  max-width: 22rem;
}

.jd-meet__creds div {
  display: flex;
  justify-content: space-between;
  gap: 1rem;
  padding-top: 0.65rem;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  font-size: 0.9rem;
}

.jd-meet__creds dt {
  color: rgba(255, 255, 255, 0.55);
}

.jd-meet__creds dd {
  font-weight: 650;
  text-align: right;
}

.jd-meet__creds a {
  color: #fff;
  text-decoration: none;
}

.jd-meet__creds a:hover,
.jd-meet__creds a:focus-visible {
  color: #9db4e8;
}

.jd-meet__creds a:focus-visible {
  outline: 2px solid #9db4e8;
  outline-offset: 3px;
}

/* —— CTA band —— */
.jd-band {
  background: var(--jd-navy);
  color: #fff;
}

.jd-band__inner {
  max-width: 72rem;
  margin-inline: auto;
  display: grid;
  gap: 2rem;
  padding: 3.5rem 1.25rem;
  align-items: center;
}

@media (min-width: 900px) {
  .jd-band__inner {
    grid-template-columns: minmax(0, 1.2fr) minmax(200px, 18rem);
    gap: 3rem;
    padding: 4rem 2rem;
  }
}

.jd-band__desk {
  margin: 0;
  border-radius: 1rem;
  overflow: hidden;
  border: 1px solid rgba(255, 255, 255, 0.1);
  opacity: 0.92;
}

.jd-band__desk img {
  display: block;
  width: 100%;
  aspect-ratio: 1;
  object-fit: cover;
}

/* —— Thank-you —— */
.jd-thanks-hero--portrait .jd-thanks-hero__inner {
  display: grid;
  gap: 2.5rem;
  align-items: center;
}

@media (min-width: 768px) {
  .jd-thanks-hero--portrait .jd-thanks-hero__inner {
    grid-template-columns: minmax(0, 1.05fr) minmax(240px, 20rem);
    gap: 2.25rem;
  }
}

@media (min-width: 1100px) {
  .jd-thanks-hero--portrait .jd-thanks-hero__inner {
    grid-template-columns: minmax(0, 1.05fr) minmax(280px, 22rem);
    gap: 3rem;
  }
}

.jd-thanks-portrait {
  background: var(--jd-surface);
  border: 1px solid var(--jd-line);
  border-radius: 1.15rem;
  overflow: hidden;
  box-shadow: 0 1px 2px rgba(11, 27, 74, 0.04), 0 18px 40px rgba(11, 27, 74, 0.08);
}

.jd-thanks-portrait > img {
  display: block;
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  object-position: center top;
  background: #0b1b4a;
}

.jd-thanks-portrait__meta {
  padding: 1.25rem 1.35rem 1.4rem;
}

.jd-thanks-portrait__meta .jd-cred__name {
  color: var(--jd-navy);
}

.jd-thanks-role {
  color: var(--jd-muted);
}

.jd-thanks-portrait__meta ol {
  display: grid;
  gap: 0.55rem;
}

.jd-thanks-portrait__meta li {
  display: flex;
  gap: 0.55rem;
  align-items: flex-start;
  font-size: 0.88rem;
  font-weight: 650;
  color: var(--jd-ink);
}

.jd-thanks-portrait__meta li span {
  width: 1.35rem;
  height: 1.35rem;
  border-radius: 999px;
  display: grid;
  place-items: center;
  flex-shrink: 0;
  font-size: 0.68rem;
  color: var(--jd-blue);
  background: rgba(21, 87, 192, 0.1);
}

.jd-steps {
  display: grid;
  gap: 0.9rem;
}

@media (min-width: 720px) {
  .jd-steps {
    grid-template-columns: 1fr 1fr;
  }
}

@media (min-width: 1100px) {
  .jd-steps {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.jd-step-card {
  padding: 1.2rem 1.15rem 1.25rem;
  background: #fff;
  border: 1px solid var(--jd-line);
  border-radius: 1.1rem;
}

.jd-step-card__icon {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 0.7rem;
  display: grid;
  place-items: center;
  background: rgba(21, 87, 192, 0.1);
  color: var(--jd-blue);
}

.jd-step-card__icon svg {
  width: 1.25rem;
  height: 1.25rem;
}

.jd-confirm {
  width: 3.25rem;
  height: 3.25rem;
  border-radius: 999px;
  display: grid;
  place-items: center;
  border: 1px solid rgba(21, 87, 192, 0.25);
  color: var(--jd-blue);
  background: rgba(21, 87, 192, 0.08);
}

.jd-received__kicker {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--jd-blue);
}

.jd-cred__name {
  font-family: "Albert Sans", system-ui, sans-serif;
  font-size: 1.5rem;
  font-weight: 750;
  letter-spacing: -0.03em;
  color: var(--jd-navy);
}

.jd-faq details {
  border-bottom: 1px solid var(--jd-line);
}

.jd-faq summary {
  cursor: pointer;
  list-style: none;
  padding: 1.15rem 0;
  font-weight: 700;
  letter-spacing: -0.015em;
}

.jd-faq summary::-webkit-details-marker {
  display: none;
}

.jd-faq summary::after {
  content: "";
  float: right;
  width: 0.55rem;
  height: 0.55rem;
  margin-top: 0.4rem;
  border-right: 1.5px solid var(--jd-blue);
  border-bottom: 1.5px solid var(--jd-blue);
  transform: rotate(45deg);
  transition-property: transform;
  transition-duration: 220ms;
  transition-timing-function: var(--jd-ease);
}

.jd-faq details[open] summary::after {
  transform: rotate(225deg);
  margin-top: 0.55rem;
}

.jd-faq summary:hover,
.jd-faq summary:focus-visible {
  color: var(--jd-blue);
}

.jd-faq summary:focus-visible {
  outline: 2px solid var(--jd-blue);
  outline-offset: 4px;
}

.jd-footer {
  background: var(--jd-navy);
  color: #fff;
}

/* —— Scroll reveal —— */
[data-reveal] {
  opacity: 0;
  transform: translateY(18px);
  transition-property: opacity, transform;
  transition-duration: 720ms;
  transition-timing-function: var(--jd-ease);
}

[data-reveal].is-visible {
  opacity: 1;
  transform: translateY(0);
}

/* —— Proof strip —— */
.jd-proof {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0;
  max-width: 34rem;
  border-top: 1px solid var(--jd-line);
}

.jd-proof li {
  padding: 0.9rem 0.85rem 0 0;
  border-right: 1px solid var(--jd-line);
}

.jd-proof li + li {
  padding-left: 0.85rem;
}

.jd-proof li:last-child {
  border-right: 0;
  padding-right: 0;
}

.jd-proof strong {
  display: block;
  font-size: 1.25rem;
  font-weight: 750;
  letter-spacing: -0.03em;
  color: var(--jd-navy);
  line-height: 1.1;
}

.jd-proof span:not(.jd-star) {
  display: block;
  margin-top: 0.2rem;
  font-size: 0.72rem;
  line-height: 1.35;
  color: var(--jd-muted);
}

.jd-star {
  color: #e2a626;
  font-size: 0.85em;
  vertical-align: 0.08em;
}

.jd-hero__caption {
  animation: jd-caption-float 6s ease-in-out infinite;
}

@keyframes jd-caption-float {
  0%,
  100% {
    transform: translateY(0);
  }
  50% {
    transform: translateY(-3px);
  }
}

/* —— Coverage gauge —— */
.jd-gauge {
  margin: 0;
  padding: 1.35rem 1.4rem 1.3rem;
}

.jd-gauge__kicker {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--jd-blue);
}

.jd-gauge__title {
  margin-top: 0.4rem;
  font-family: "Albert Sans", system-ui, sans-serif;
  font-size: 1.15rem;
  font-weight: 750;
  letter-spacing: -0.02em;
  color: var(--jd-navy);
}

.jd-gauge__svg {
  display: block;
  width: 100%;
  max-width: 24rem;
  height: auto;
  margin: 0.75rem auto 0;
}

.jd-gauge__rent {
  transform-origin: 50% 100%;
  transform: scaleY(0);
  transition-property: transform;
  transition-duration: 1400ms;
  transition-timing-function: var(--jd-ease);
  transition-delay: 200ms;
}

.jd-gauge__pmt,
.jd-gauge__renttag {
  opacity: 0;
  transform: translateY(6px);
  transition-property: opacity, transform;
  transition-duration: 600ms;
  transition-timing-function: var(--jd-ease);
}

.jd-gauge__pmt {
  transition-delay: 250ms;
}

.jd-gauge__renttag {
  transition-delay: 1100ms;
}

.jd-gauge.is-visible .jd-gauge__rent {
  transform: scaleY(0.72);
}

.jd-gauge.is-visible .jd-gauge__pmt,
.jd-gauge.is-visible .jd-gauge__renttag {
  opacity: 1;
  transform: translateY(0);
}

.jd-gauge__legend {
  display: grid;
  gap: 0.6rem;
  margin-top: 1rem;
  padding-top: 1rem;
  border-top: 1px solid var(--jd-line);
}

@media (min-width: 640px) {
  .jd-gauge__legend {
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.85rem;
  }
}

.jd-gauge__legend li {
  display: grid;
  grid-template-columns: auto 1fr;
  column-gap: 0.5rem;
  align-items: start;
  font-size: 0.78rem;
  line-height: 1.4;
}

.jd-gauge__legend strong {
  font-size: 0.8rem;
  font-weight: 750;
  letter-spacing: -0.01em;
  color: var(--jd-navy);
}

.jd-gauge__legend span:not(.jd-gauge__dot) {
  grid-column: 2;
  color: var(--jd-muted);
}

.jd-gauge__dot {
  width: 0.65rem;
  height: 0.65rem;
  margin-top: 0.25rem;
  border-radius: 999px;
  grid-row: span 2;
}

.jd-gauge__dot--low {
  background: rgba(11, 27, 74, 0.22);
}

.jd-gauge__dot--even {
  background: rgba(21, 87, 192, 0.5);
}

.jd-gauge__dot--high {
  background: var(--jd-blue);
}

/* —— 90+ lenders —— */
.jd-shop {
  border-top: 1px solid var(--jd-line);
  background: #fff;
}

.jd-shop__inner {
  max-width: 72rem;
  margin-inline: auto;
  display: grid;
  gap: 3rem;
  padding: 4rem 1.25rem;
  align-items: center;
}

@media (min-width: 900px) {
  .jd-shop__inner {
    grid-template-columns: minmax(0, 1.1fr) minmax(300px, 0.9fr);
    gap: 4rem;
    padding: 6rem 2rem;
  }
}

.jd-shop h2 {
  font-family: "Albert Sans", system-ui, sans-serif;
  font-size: clamp(1.9rem, 3.6vw, 2.8rem);
  font-weight: 750;
  line-height: 1.08;
  letter-spacing: -0.035em;
  color: var(--jd-navy);
  text-wrap: balance;
}

.jd-shop__list {
  display: grid;
  gap: 1.1rem;
  margin-top: 2rem;
}

.jd-shop__list li {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 1rem;
  align-items: start;
}

.jd-shop__num {
  width: 2.5rem;
  height: 2.5rem;
  border-radius: 0.7rem;
  display: grid;
  place-items: center;
  color: var(--jd-blue);
  background: rgba(21, 87, 192, 0.1);
}

.jd-shop__num svg {
  width: 1.25rem;
  height: 1.25rem;
}

.jd-shop__list h3 {
  font-size: 1.05rem;
  font-weight: 750;
  letter-spacing: -0.02em;
  color: var(--jd-navy);
}

.jd-shop__list p {
  margin-top: 0.3rem;
  font-size: 0.95rem;
  line-height: 1.55;
  color: var(--jd-muted);
}

.jd-network {
  --size: min(26rem, 88vw);
  position: relative;
  width: var(--size);
  height: var(--size);
  margin: 0 auto;
  border-radius: 50%;
  background:
    radial-gradient(circle at 50% 50%, rgba(21, 87, 192, 0.1) 0%, rgba(21, 87, 192, 0.02) 45%, transparent 70%);
}

.jd-network__ring {
  position: absolute;
  inset: 0;
  border-radius: 50%;
  border: 1px dashed rgba(21, 87, 192, 0.28);
  animation: jd-orbit 48s linear infinite;
}

.jd-network__ring--inner {
  inset: 17%;
  border-color: rgba(11, 27, 74, 0.18);
  animation-duration: 34s;
  animation-direction: reverse;
}

.jd-network__node {
  position: absolute;
  top: 50%;
  left: 50%;
  width: 1.1rem;
  height: 1.1rem;
  margin: -0.55rem;
  border-radius: 999px;
  background: #fff;
  border: 2px solid var(--jd-blue);
  box-shadow: 0 6px 14px rgba(21, 87, 192, 0.2);
  transform: rotate(var(--a)) translateX(calc(var(--size) / 2)) rotate(calc(-1 * var(--a)));
}

.jd-network__node--sm {
  width: 0.75rem;
  height: 0.75rem;
  margin: -0.375rem;
  border-color: var(--jd-navy);
  transform: rotate(var(--a)) translateX(calc(var(--size) * 0.33)) rotate(calc(-1 * var(--a)));
}

.jd-network__pulse {
  position: absolute;
  inset: 32%;
  border-radius: 50%;
  border: 1.5px solid rgba(21, 87, 192, 0.45);
  animation: jd-pulse 3.2s var(--jd-ease) infinite;
}

.jd-network__hub {
  position: absolute;
  inset: 34%;
  border-radius: 50%;
  overflow: hidden;
  background: #060e28;
  border: 4px solid #fff;
  box-shadow: 0 1px 2px rgba(11, 27, 74, 0.08), 0 22px 44px rgba(11, 27, 74, 0.22);
}

.jd-network__hub img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 20%;
}

.jd-network__caption {
  position: absolute;
  left: 50%;
  bottom: 4%;
  transform: translateX(-50%);
  display: flex;
  align-items: baseline;
  gap: 0.4rem;
  padding: 0.45rem 0.9rem;
  border-radius: 999px;
  background: var(--jd-navy);
  color: #fff;
  white-space: nowrap;
  box-shadow: 0 10px 24px rgba(11, 27, 74, 0.2);
}

.jd-network__caption strong {
  font-size: 1.05rem;
  font-weight: 750;
  letter-spacing: -0.02em;
}

.jd-network__caption span {
  font-size: 0.72rem;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: rgba(255, 255, 255, 0.75);
}

@keyframes jd-orbit {
  to {
    transform: rotate(360deg);
  }
}

@keyframes jd-pulse {
  0% {
    transform: scale(0.9);
    opacity: 0.9;
  }
  100% {
    transform: scale(1.65);
    opacity: 0;
  }
}

/* —— Meet stats —— */
.jd-meet__stats {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 0.75rem;
  margin-top: 1.6rem;
  max-width: 30rem;
}

@media (min-width: 640px) {
  .jd-meet__stats {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

.jd-meet__stats li {
  padding: 0.85rem 0.9rem;
  border-radius: 0.8rem;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.1);
}

.jd-meet__stats strong {
  display: block;
  font-size: 1.2rem;
  font-weight: 750;
  letter-spacing: -0.03em;
  line-height: 1.1;
}

.jd-meet__stats span:not(.jd-star) {
  display: block;
  margin-top: 0.2rem;
  font-size: 0.7rem;
  line-height: 1.3;
  color: rgba(255, 255, 255, 0.6);
}

/* —— Reviews + marquee —— */
.jd-reviews {
  padding: 4rem 0 4.5rem;
  overflow: hidden;
}

@media (min-width: 768px) {
  .jd-reviews {
    padding: 6rem 0 6.5rem;
  }
}

.jd-reviews__head {
  display: grid;
  gap: 1.5rem;
  align-items: end;
  margin-bottom: 2.5rem;
}

@media (min-width: 900px) {
  .jd-reviews__head {
    grid-template-columns: minmax(0, 1fr) auto;
  }
}

.jd-rating {
  display: grid;
  grid-template-columns: auto 1fr;
  column-gap: 0.75rem;
  align-items: center;
  padding: 0.9rem 1.1rem;
  border-radius: 1rem;
  background: #fff;
  border: 1px solid var(--jd-line);
  text-decoration: none;
  color: var(--jd-navy);
  box-shadow: 0 1px 2px rgba(11, 27, 74, 0.04), 0 12px 28px rgba(11, 27, 74, 0.06);
  transition-property: transform, box-shadow, border-color;
  transition-duration: 220ms;
  transition-timing-function: var(--jd-ease);
}

.jd-rating:hover {
  transform: translateY(-2px);
  border-color: rgba(21, 87, 192, 0.35);
}

.jd-rating:focus-visible {
  outline: 2px solid var(--jd-blue);
  outline-offset: 3px;
}

.jd-rating__num {
  grid-row: span 2;
  font-size: 2.1rem;
  font-weight: 750;
  letter-spacing: -0.04em;
  line-height: 1;
}

.jd-rating__stars {
  color: #e2a626;
  font-size: 0.85rem;
  letter-spacing: 0.08em;
}

.jd-rating__meta {
  font-size: 0.75rem;
  color: var(--jd-muted);
}

.jd-marquee {
  position: relative;
  overflow: hidden;
  padding: 0.5rem 0;
  mask-image: linear-gradient(to right, transparent, #000 8%, #000 92%, transparent);
  -webkit-mask-image: linear-gradient(to right, transparent, #000 8%, #000 92%, transparent);
}

.jd-marquee + .jd-marquee {
  margin-top: 0.5rem;
}

.jd-marquee__track {
  display: flex;
  gap: 1rem;
  width: max-content;
  will-change: transform;
  animation: jd-marquee var(--jd-marquee-duration, 40s) linear infinite;
}

.jd-marquee[data-direction="right"] .jd-marquee__track {
  animation-direction: reverse;
}

.jd-marquee:hover .jd-marquee__track,
.jd-marquee:focus-within .jd-marquee__track {
  animation-play-state: paused;
}

@keyframes jd-marquee {
  from {
    transform: translateX(0);
  }
  to {
    transform: translateX(-50%);
  }
}

.jd-review {
  flex-shrink: 0;
  width: min(22rem, calc(100vw - 4rem));
  background: #fff;
  border: 1px solid var(--jd-line);
  border-radius: 1.1rem;
  padding: 1.35rem 1.4rem;
  box-shadow: 0 1px 2px rgba(11, 27, 74, 0.03), 0 10px 26px rgba(11, 27, 74, 0.05);
  transition-property: transform, box-shadow;
  transition-duration: 220ms;
  transition-timing-function: var(--jd-ease);
}

.jd-review:hover {
  transform: translateY(-3px);
  box-shadow: 0 1px 2px rgba(11, 27, 74, 0.04), 0 18px 36px rgba(11, 27, 74, 0.1);
}

.jd-review__head {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 0.7rem;
  align-items: center;
}

.jd-review__name {
  font-size: 0.92rem;
  font-weight: 750;
  letter-spacing: -0.015em;
  color: var(--jd-navy);
}

.jd-review__meta {
  font-size: 0.72rem;
  color: var(--jd-muted);
}

.jd-review__stars {
  color: #e2a626;
  font-size: 0.75rem;
  letter-spacing: 0.06em;
}

.jd-review__body {
  margin-top: 1rem;
  font-size: 0.98rem;
  line-height: 1.6;
  color: var(--jd-ink);
}

.jd-initials {
  width: 2.4rem;
  height: 2.4rem;
  border-radius: 999px;
  display: grid;
  place-items: center;
  background: rgba(21, 87, 192, 0.1);
  color: var(--jd-blue);
  font-size: 0.72rem;
  font-weight: 750;
  letter-spacing: 0.06em;
}

/* —— Guide links (thank-you) —— */
.jd-guides {
  display: grid;
  gap: 0.85rem;
}

@media (min-width: 720px) {
  .jd-guides {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

.jd-guide {
  display: block;
  padding: 1.2rem 1.25rem 1.3rem;
  border-radius: 1rem;
  background: #fff;
  border: 1px solid var(--jd-line);
  text-decoration: none;
  color: var(--jd-navy);
  transition-property: transform, box-shadow, border-color;
  transition-duration: 220ms;
  transition-timing-function: var(--jd-ease);
}

.jd-guide:hover {
  transform: translateY(-3px);
  border-color: rgba(21, 87, 192, 0.35);
  box-shadow: 0 14px 30px rgba(21, 87, 192, 0.08);
}

.jd-guide:focus-visible {
  outline: 2px solid var(--jd-blue);
  outline-offset: 3px;
}

.jd-guide:active {
  transform: translateY(0);
}

.jd-guide__kicker {
  font-size: 0.68rem;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--jd-blue);
}

.jd-guide h3 {
  margin-top: 0.45rem;
  font-size: 1.05rem;
  font-weight: 750;
  letter-spacing: -0.02em;
}

.jd-guide p {
  margin-top: 0.35rem;
  font-size: 0.88rem;
  line-height: 1.5;
  color: var(--jd-muted);
}

.jd-guide__arrow {
  display: inline-block;
  margin-top: 0.75rem;
  font-size: 0.8rem;
  font-weight: 700;
  color: var(--jd-blue);
}

@media (prefers-reduced-motion: reduce) {
  .jd-btn,
  .jd-faq summary::after,
  .jd-reveal,
  .jd-reveal--delay,
  .jd-hero__caption,
  .jd-network__ring,
  .jd-network__pulse,
  .jd-marquee__track,
  .jd-review,
  .jd-rating,
  .jd-guide {
    animation: none;
    transition-duration: 0.01ms;
  }

  [data-reveal],
  .jd-gauge__pmt,
  .jd-gauge__renttag {
    opacity: 1;
    transform: none;
    transition: none;
  }

  .jd-gauge__rent {
    transform: scaleY(0.72);
    transition: none;
  }

  .jd-marquee {
    mask-image: none;
    -webkit-mask-image: none;
    padding-inline: 1.25rem;
  }

  .jd-marquee__track {
    width: auto;
    flex-wrap: wrap;
    justify-content: center;
  }

  .jd-marquee__track .is-clone {
    display: none;
  }
}