.home--v2 {
  --ink: #171c24;
  --paper: #f6f2ec;
  --paper-2: #efe9e0;
  --line: #e0d8cc;
  --muted: #6a7078;
  --dark: var(--brand-2);
  background: var(--paper);
  color: var(--ink);
}
.home--v2 .u { color: var(--brand) }

/* ---------- Topbar (dark hairline strip) ---------- */
.home--v2 .v2-topbar {
  background: var(--dark); color: rgba(255,255,255,.62);
  display: flex; justify-content: space-between; align-items: center; gap: 16px;
  font-size: 12px; letter-spacing: .01em; padding-top: 9px; padding-bottom: 9px;
  border-bottom: 1px solid rgba(255,255,255,.08);
}
.home--v2 .v2-topbar p { margin: 0 }
.home--v2 .v2-topbar-tag { color: rgba(255,255,255,.5); text-transform: uppercase; letter-spacing: .16em; font-size: 10.5px; font-weight: 600 }

/* ---------- Header (white, sticky) — override home.css .site-header ---------- */
#home.home--v2 .v2-header { position: sticky; top: 0; z-index: 30; background: #fff;
  border-bottom: 1px solid rgba(0,0,0,.08) }
.home--v2 .v2-header-inner { max-width: 1300px; margin: 0 auto; display: flex; align-items: center; gap: 28px; padding-top: 16px; padding-bottom: 16px }
#home.home--v2 .v2-logo { display: flex; align-items: center; color: var(--dark) }
#home.home--v2 .site-powered { color: rgba(0,0,0,.5) }
.home--v2 .v2-nav { display: flex; gap: 30px; margin-left: 12px }
#home.home--v2 #main-nav a { color: color-mix(in srgb, var(--dark) 80%, transparent); font-size: 14.5px; font-weight: 500; text-decoration: none; transition: color .15s }
#home.home--v2 #main-nav a:hover { color: var(--dark) }
.home--v2 .v2-headcta { margin-left: auto; background: var(--brand); color: #fff; font-size: 14px; font-weight: 700;
  padding: 12px 22px; border-radius: var(--btn-radius); white-space: nowrap; border: 0; cursor: pointer; transition: background .18s }
.home--v2 .v2-headcta:hover { background: var(--brand-accent) }
#home.home--v2 #nav-toggle { color: var(--dark); border-color: rgba(0,0,0,.2); margin-left: auto }

/* Mobile menu — v2 editorial drawer, slides in from the right. */
#home.home--v2 #mobile-nav { display: flex; inset: 0 0 0 auto; width: min(370px, 86vw); align-items: flex-start; justify-content: flex-start; text-align: left;
  background: color-mix(in srgb, var(--dark) 92%, #000); border-left: 3px solid var(--brand); box-shadow: -24px 0 70px rgba(0,0,0,.45);
  padding: 96px 34px 40px; gap: 2px; transform: translateX(100%); visibility: hidden; transition: transform .34s cubic-bezier(.2,.8,.2,1), visibility 0s .34s }
#home.home--v2 #mobile-nav.is-open { transform: none; visibility: visible; transition: transform .34s cubic-bezier(.2,.8,.2,1) }
#home.home--v2 #mobile-nav a { width: 100%; color: #fff; font-size: 20px; font-weight: 600; padding: 15px 0; border-bottom: 1px solid rgba(255,255,255,.1) }
#home.home--v2 .mobile-nav-cta { margin-top: 26px; width: 100%; text-align: center; background: var(--brand); color: #fff; border-radius: var(--btn-radius) }
#home.home--v2 .mobile-nav-close { border-color: rgba(255,255,255,.3) }

/* ---------- Hero (dark canvas) ---------- */
.home--v2 .v2-hero { position: relative; background: var(--dark); color: #fff; overflow: hidden; padding-bottom: 130px }
.home--v2 .v2-hero::before { content: ""; position: absolute; top: -30%; right: -8%; width: 60%; height: 120%;
  background: radial-gradient(circle, color-mix(in srgb, var(--brand) 55%, transparent), transparent 68%); opacity: .5; pointer-events: none }
.home--v2 .v2-hero-inner { position: relative; max-width: 1300px; margin: 0 auto; display: grid;
  grid-template-columns: 1.05fr .95fr; gap: 60px; align-items: center; padding-top: 68px; padding-bottom: 8px }
.home--v2 .v2-hero-text { min-width: 0 }
.home--v2 .v2-eyebrow { display: inline-flex; align-items: center; gap: 9px; margin: 0 0 22px; font-size: 12px; font-weight: 700;
  letter-spacing: .18em; text-transform: uppercase; color: color-mix(in srgb, var(--brand) 60%, #fff) }
.home--v2 .v2-eyebrow-dot { width: 7px; height: 7px; border-radius: 50%; background: var(--brand); box-shadow: 0 0 0 4px color-mix(in srgb, var(--brand) 25%, transparent) }
.home--v2 .v2-hero-title { margin: 0 0 22px; font-size: clamp(38px, 5vw, 68px); line-height: 1.02; letter-spacing: -.03em; font-weight: 700; max-width: 15ch }
.home--v2 .v2-hero-lead { margin: 0 0 30px; font-size: 17px; line-height: 1.62; color: rgba(255,255,255,.74); max-width: 52ch }
.home--v2 .v2-hero-actions { display: flex; align-items: center; gap: 22px; flex-wrap: wrap }
.home--v2 .v2-btn { background: var(--brand); color: #fff; font-size: 16px; font-weight: 700; padding: 17px 34px;
  border-radius: var(--btn-radius); border: 0; cursor: pointer; white-space: nowrap; transition: background .18s, transform .05s }
.home--v2 .v2-btn:hover { background: var(--brand-accent) }
.home--v2 .v2-btn:active { transform: translateY(1px) }
.home--v2 .v2-btn--lg { font-size: 18px; padding: 20px 44px }
.home--v2 .v2-hero-link { color: #fff; font-size: 15px; font-weight: 600; text-decoration: underline; text-underline-offset: 3px }
.home--v2 .v2-hero-badges { list-style: none; margin: 34px 0 0; padding: 26px 0 0; display: flex; flex-wrap: wrap; gap: 12px 26px;
  border-top: 1px solid rgba(255,255,255,.12) }
.home--v2 .v2-hero-badges li { display: flex; align-items: center; gap: 9px; font-size: 13px; font-weight: 600; color: rgba(255,255,255,.86) }
.home--v2 .v2-hero-badges svg { color: var(--brand); flex: none }
.home--v2 .v2-hero-media { position: relative }
.home--v2 .v2-hero-media img { width: 100%; height: 460px; object-fit: cover; border-radius: 20px; display: block;
  box-shadow: 0 30px 60px rgba(0,0,0,.4) }

/* ---------- Estimator card (overlaps the dark→light seam) ---------- */
#home.home--v2 #estimator { max-width: 1120px; margin: -96px auto 0; padding: 0 20px 90px; position: relative; z-index: 3; background: transparent }
.home--v2 .v2-estimator-card { background: #fff; border: 1px solid var(--line); border-radius: 22px; padding: 38px 40px;
  box-shadow: 0 30px 70px rgba(23,28,36,.16) }
.home--v2 .v2-estimator-card .estimator-head { margin-bottom: 6px }

/* ---------- Section shells + shared heads ---------- */
.home--v2 .v2-identity-inner,
.home--v2 .v2-how-inner,
.home--v2 .v2-recip-inner,
.home--v2 .v2-market-inner,
.home--v2 .v2-cta-inner { max-width: 1200px; margin: 0 auto; padding-top: 96px; padding-bottom: 96px }
.home--v2 .v2-section-head { max-width: 720px; margin: 0 0 46px }
.home--v2 .v2-section-eyebrow { margin: 0 0 14px; font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--brand) }
.home--v2 .v2-section-title { margin: 0 0 16px; font-size: clamp(28px, 3.6vw, 46px); line-height: 1.08; letter-spacing: -.02em; font-weight: 700 }
.home--v2 .v2-section-lead { margin: 0; font-size: 17px; line-height: 1.6; color: var(--muted); max-width: 62ch }

/* ---------- Identity (statement band) ---------- */
.home--v2 .v2-identity { background: color-mix(in srgb, var(--brand) 7%, transparent) }
.home--v2 .v2-identity-inner { padding-top: 70px; padding-bottom: 70px }
.home--v2 .v2-identity-eyebrow { margin: 0 0 18px; font-size: 12px; font-weight: 700; letter-spacing: .16em; text-transform: uppercase; color: var(--brand) }
.home--v2 .v2-identity-text { margin: 0; font-size: clamp(20px, 2.6vw, 30px); line-height: 1.42; font-weight: 500; letter-spacing: -.01em; max-width: 30ch }
.home--v2 .v2-identity-text { max-width: 46ch }

/* ---------- How — horizontal numbered stepper (own design, not the default rail) ---------- */
.home--v2 .v2-how { background: var(--paper) }
.home--v2 #tl-line, .home--v2 #tl-fill { display: none !important }
.home--v2 .v2-steps { list-style: none; margin: 0; padding: 0; position: relative; display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px }
.home--v2 .v2-steps::before { content: ""; position: absolute; top: 34px; left: 40px; right: 40px; height: 2px; background: var(--line); z-index: 0 }
.home--v2 .v2-step { position: relative; z-index: 1; opacity: 0; transform: translateY(18px);
  transition: opacity .6s cubic-bezier(.2,.8,.2,1), transform .6s cubic-bezier(.2,.8,.2,1) }
.home--v2 .v2-step[data-in] { opacity: 1; transform: none }
.home--v2 .v2-step:nth-of-type(2) { transition-delay: .07s }
.home--v2 .v2-step:nth-of-type(3) { transition-delay: .14s }
.home--v2 .v2-step:nth-of-type(4) { transition-delay: .21s }
.home--v2 .v2-step-num { display: inline-flex; align-items: center; justify-content: center; width: 68px; height: 68px;
  border-radius: 50%; background: var(--paper); border: 2px solid var(--line); font-size: 23px; font-weight: 800; color: var(--muted); margin-bottom: 22px }
.home--v2 .v2-step--key .v2-step-num { background: var(--brand); border-color: var(--brand); color: #fff;
  box-shadow: 0 10px 26px color-mix(in srgb, var(--brand) 40%, transparent) }
.home--v2 .v2-step-tag { display: block; font-size: 11px; font-weight: 700; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); margin-bottom: 10px }
.home--v2 .v2-step--key .v2-step-tag { color: var(--brand) }
.home--v2 .v2-step h3 { margin: 0 0 9px; font-size: 18px; font-weight: 700; line-height: 1.25; letter-spacing: -.01em }
.home--v2 .v2-step p { margin: 0; font-size: 14px; line-height: 1.55; color: var(--muted) }
.home--v2 .v2-step--key p { color: var(--ink); font-weight: 500 }

/* ---------- Recipients ---------- */
.home--v2 .v2-recip { background: var(--dark); color: #fff }
.home--v2 .v2-recip-inner { display: grid; grid-template-columns: .9fr 1.1fr; gap: 60px; align-items: center }
.home--v2 .v2-recip-media img { width: 100%; height: 100%; min-height: 420px; object-fit: cover; border-radius: 20px; display: block }
.home--v2 .v2-recip .v2-section-eyebrow { color: color-mix(in srgb, var(--brand) 60%, #fff) }
.home--v2 .v2-recip .v2-section-title { color: #fff }
.home--v2 .v2-recip-lead { margin: 0 0 24px; font-size: 16px; line-height: 1.6; color: rgba(255,255,255,.74) }
.home--v2 .v2-recip-lead a { color: #fff }
.home--v2 .v2-recip-list { margin: 0; display: grid; gap: 0 }
.home--v2 .v2-recip-row { display: grid; grid-template-columns: 170px 1fr; gap: 20px; padding: 16px 0; border-top: 1px solid rgba(255,255,255,.14) }
.home--v2 .v2-recip-row dt { margin: 0; font-weight: 700; font-size: 15px }
.home--v2 .v2-recip-row dd { margin: 0; font-size: 14.5px; color: rgba(255,255,255,.7); line-height: 1.5 }
.home--v2 .v2-recip-row dd a { color: #fff }
.home--v2 .v2-recip-footnote { margin: 22px 0 0; font-size: 12.5px; color: rgba(255,255,255,.5); line-height: 1.55; max-width: 60ch }

/* ---------- Market (bordered stat cards + rate bars) ---------- */
.home--v2 .v2-market-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px }
.home--v2 .v2-stat { background: #fff; border: 1px solid var(--line); border-radius: 16px; padding: 26px 24px; display: flex; flex-direction: column }
.home--v2 .v2-stat--hero { grid-column: span 2; background: var(--ink); border-color: var(--ink); color: #fff }
.home--v2 .v2-stat-number { font-size: clamp(34px, 4.4vw, 56px); font-weight: 800; letter-spacing: -.03em; line-height: 1; color: var(--brand) }
.home--v2 .v2-stat--hero .v2-stat-number { color: #fff }
.home--v2 .v2-stat-caption { margin: 16px 0 0; font-size: 14px; line-height: 1.45; font-weight: 500 }
.home--v2 .v2-stat--hero .v2-stat-caption { color: rgba(255,255,255,.86) }
.home--v2 .v2-stat-source { margin: auto 0 0; padding-top: 14px; font-size: 11.5px; color: var(--muted) }
.home--v2 .v2-stat--hero .v2-stat-source { color: rgba(255,255,255,.5) }

.home--v2 .v2-rate-row { margin-top: 18px; display: grid; grid-template-columns: 1fr 3fr; gap: 18px; align-items: stretch }
.home--v2 .v2-rate-panel { display: grid; grid-template-columns: .8fr 1.2fr; gap: 40px; align-items: center;
  background: #fff; border: 1px solid var(--line); border-radius: 20px; padding: 36px 40px }
.home--v2 .v2-rate-head .v2-stat-number { margin: 8px 0 12px }
.home--v2 .v2-rate-head .v2-stat-caption { color: var(--muted) }
.home--v2 .v2-rate-bar { margin-bottom: 18px }
.home--v2 .v2-rate-bar-head { display: flex; justify-content: space-between; align-items: baseline; gap: 12px; margin-bottom: 8px; font-size: 14px }
.home--v2 .v2-rate-bar-head strong { font-variant-numeric: tabular-nums }
.home--v2 .v2-rate-track { height: 10px; background: var(--paper-2); border-radius: 999px; overflow: hidden }
.home--v2 .v2-rate-fill { height: 100%; width: 0; border-radius: 999px; transition: width 1s cubic-bezier(.2,.8,.2,1) }
.home--v2 .v2-rate-fill--primary { background: var(--brand) }
.home--v2 .v2-rate-fill--gold { background: color-mix(in srgb, var(--brand-2) 55%, #caa24a) }
.home--v2 .v2-rate-fill--light { background: color-mix(in srgb, var(--brand) 42%, var(--line)) }
.home--v2 .v2-rate-note { margin: 8px 0 0; font-size: 11.5px; color: var(--muted); line-height: 1.5 }

/* ---------- CTA (dark bookend) ---------- */
.home--v2 .v2-cta { background: var(--dark); color: #fff; position: relative; overflow: hidden }
.home--v2 .v2-cta::before { content: ""; position: absolute; left: 50%; top: -40%; width: 50%; height: 140%; transform: translateX(-50%);
  background: radial-gradient(circle, color-mix(in srgb, var(--brand) 45%, transparent), transparent 70%); opacity: .45; pointer-events: none }
.home--v2 .v2-cta-inner { position: relative; max-width: 720px; text-align: center }
.home--v2 .v2-cta-eyebrow { margin: 0 0 16px; font-size: 12px; font-weight: 700; letter-spacing: .18em; text-transform: uppercase; color: color-mix(in srgb, var(--brand) 60%, #fff) }
.home--v2 .v2-cta-title { margin: 0 0 18px; font-size: clamp(32px, 4.6vw, 56px); line-height: 1.06; letter-spacing: -.025em; font-weight: 700 }
.home--v2 .v2-cta-lead { margin: 0 auto 30px; font-size: 17px; line-height: 1.6; color: rgba(255,255,255,.74); max-width: 48ch }
.home--v2 .v2-cta-note { margin: 16px 0 0; font-size: 13px; color: rgba(255,255,255,.6) }
.home--v2 .v2-cta-steps { list-style: none; margin: 40px auto 0; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; text-align: left; max-width: 620px }
.home--v2 .v2-cta-steps li { display: flex; align-items: flex-start; gap: 12px; font-size: 14px; color: rgba(255,255,255,.82); line-height: 1.4 }
.home--v2 .v2-cta-steps span { flex: none; width: 26px; height: 26px; border-radius: 50%; background: var(--brand); color: #fff;
  display: grid; place-items: center; font-size: 13px; font-weight: 700 }
.home--v2 .v2-cta-consent { margin: 40px auto 0; padding-top: 24px; border-top: 1px solid rgba(255,255,255,.14);
  font-size: 12px; line-height: 1.55; color: rgba(255,255,255,.55); max-width: 640px }
.home--v2 .v2-cta-consent a { color: rgba(255,255,255,.85) }

/* ---------- Footer (dark slate) — override home.css .site-footer red ---------- */
/* Footer — shared _footer.tpl markup, restyled for v2's editorial look (distinct from default):
   red top-accent, asymmetric brand column, red uppercase support label, 2-column legal text. */
#home.home--v2 .site-footer { background: color-mix(in srgb, var(--dark) 90%, #000); border-top: 3px solid var(--brand); color: rgba(255,255,255,.6) }
#home.home--v2 .footer-inner { max-width: 1200px; padding: 70px 34px 66px; gap: 40px }
#home.home--v2 .footer-columns { grid-template-columns: 1.6fr 1fr; gap: 48px; align-items: start }
#home.home--v2 .footer-logo-img { height: var(--logo-height, 34px); opacity: .85 }
#home.home--v2 .footer-brand p { font-size: 13px; line-height: 1.65; color: rgba(255,255,255,.58); max-width: 32ch }
#home.home--v2 .footer-col h3 { color: color-mix(in srgb, var(--brand) 55%, #fff); font-size: 11px; letter-spacing: .18em; text-transform: uppercase }
#home.home--v2 .footer-col a { color: #fff; font-size: 15px }
#home.home--v2 .footer-legal { display: block; columns: 2; column-gap: 44px; padding-top: 30px; border-top: 1px solid rgba(255,255,255,.14); font-size: 11px; line-height: 1.6; color: rgba(255,255,255,.42) }
#home.home--v2 .footer-legal p { break-inside: avoid; margin: 0 0 12px }
#home.home--v2 .footer-legal a { color: rgba(255,255,255,.72) }
@media (max-width: 720px) {
  #home.home--v2 .footer-columns { grid-template-columns: 1fr; gap: 30px }
  #home.home--v2 .footer-legal { columns: 1 }
}

/* ---------- Responsive ---------- */
@media (max-width: 980px) {
  .home--v2 .v2-hero::before,
  .home--v2 .v2-cta::before { display: none }
  .home--v2 .v2-hero-inner { grid-template-columns: 1fr; gap: 34px }
  .home--v2 .v2-hero-media img { height: 300px }
  .home--v2 .v2-hero-title { max-width: none }
  #home.home--v2 #estimator { margin-top: -70px }
  .home--v2 .v2-recip-inner { grid-template-columns: 1fr; gap: 30px }
  .home--v2 .v2-recip-media img { min-height: 260px }
  .home--v2 .v2-market-grid { grid-template-columns: repeat(2, 1fr) }
  .home--v2 .v2-stat--hero { grid-column: span 2 }
  .home--v2 .v2-rate-row { grid-template-columns: 1fr }
  .home--v2 .v2-rate-panel { grid-template-columns: 1fr; gap: 24px; padding: 26px 24px; border-radius: 16px }
  .home--v2 .v2-steps { grid-template-columns: repeat(2, 1fr); gap: 40px 26px }
  .home--v2 .v2-steps::before { display: none }
}
@media (max-width: 900px) {
  #home.home--v2 #estimator { margin-top: 0; padding: 0 !important }
  #home.home--v2 .v2-estimator-card { border: 0; border-radius: 0; box-shadow: none; padding: 32px 20px }
  #home.home--v2 #est-row { border: 0; background: transparent; gap: 0 }
  #home.home--v2 .estimator-field { padding: 24px 0 }
}
@media (max-width: 620px) {
  .home--v2 .v2-topbar-tag { display: none }
  .home--v2 .v2-identity-inner, .home--v2 .v2-how-inner, .home--v2 .v2-recip-inner,
  .home--v2 .v2-market-inner, .home--v2 .v2-cta-inner { padding-top: 64px; padding-bottom: 64px }
  .home--v2 .v2-market-grid { grid-template-columns: 1fr }
  .home--v2 .v2-stat--hero { grid-column: auto }
  .home--v2 .v2-recip-row { grid-template-columns: 1fr; gap: 4px }
  .home--v2 .v2-cta-steps { grid-template-columns: 1fr }
  .home--v2 .v2-steps { grid-template-columns: 1fr; gap: 30px }
}