/* Blue Reserve Mortgage — site styles (light only) */
:root {
  --navy: #06478A;
  --blue: #2088F8;
  --blue-ink: #0A67CF;
  --blue-hover: #0A64C4;
  --blue-btn: #0F74E0;
  --night: #041E3B;
  --deep: #052F5E;
  --ink: #0B1A2E;
  --ink-2: #3B4C62;
  --ink-3: #5B6D83;
  --ground: #FFFFFF;
  --mist: #F2F6FB;
  --paper: #FFFFFF;
  --line: #DCE5F0;
  --line-2: #C9D7E7;
  --sky: #DDEBFD;
  --sky-2: #EAF3FE;
  --field: #FFFFFF;
  --good: #11805A;
  --good-bg: #DDF5EA;
  --warn: #B54708;
  --warn-bg: #FFF7EA;
  --bad: #B42318;
  --bad-bg: #FEF3F2;
  --shadow-sm: 0 1px 2px rgba(6,40,80,.06);
  --shadow: 0 1px 2px rgba(6,40,80,.05), 0 18px 40px -18px rgba(6,40,80,.28);
  --shadow-lg: 0 1px 2px rgba(6,40,80,.05), 0 32px 64px -28px rgba(6,40,80,.38);
  --f-display: "Manrope", "Avenir Next", "Segoe UI", system-ui, sans-serif;
  --f-body: "Source Sans 3", "Segoe UI", system-ui, -apple-system, sans-serif;
  --f-data: "IBM Plex Mono", ui-monospace, "SFMono-Regular", Menlo, monospace;
  --wrap: 1200px;
  --gutter: clamp(16px, 4vw, 40px);
  --head-h: 76px;
  --r: 14px;
  color-scheme: light;
}
*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: calc(var(--head-h) + 20px); -webkit-text-size-adjust: 100%; }
body { margin: 0; background: var(--ground); color: var(--ink); font: 400 1.0625rem/1.6 var(--f-body); -webkit-font-smoothing: antialiased; text-rendering: optimizeLegibility; }
html.menu-open, html.menu-open body { overflow: hidden; }
img { max-width: 100%; display: block; }
[hidden] { display: none !important; }
a { color: var(--blue-ink); text-underline-offset: 3px; }
h1, h2, h3 { font-family: var(--f-display); color: var(--ink); margin: 0; text-wrap: balance; }
h1 { font-size: clamp(2.4rem, 4.9vw, 4rem); line-height: 1.03; font-weight: 800; letter-spacing: -0.035em; }
h2 { font-size: clamp(1.9rem, 3.4vw, 2.85rem); line-height: 1.08; font-weight: 800; letter-spacing: -0.03em; }
h3 { font-size: 1.2rem; line-height: 1.3; font-weight: 700; letter-spacing: -0.015em; }
p { margin: 0; }
:focus-visible { outline: 3px solid var(--blue); outline-offset: 2px; border-radius: 6px; }
.wrap { max-width: var(--wrap); margin-inline: auto; padding-inline: var(--gutter); }
.eyebrow { font: 700 .76rem/1.2 var(--f-display); letter-spacing: .14em; text-transform: uppercase; color: var(--blue-ink); }
.pop-label { font: 700 .68rem/1.2 var(--f-display); letter-spacing: .14em; text-transform: uppercase; color: var(--ink-3); }
.lede { font-size: clamp(1.1rem, 1.6vw, 1.28rem); line-height: 1.55; color: var(--ink-2); max-width: 36rem; }
.mono { font-family: var(--f-data); font-variant-numeric: tabular-nums; }
.todo { background: #FFF1B8; color: #5C4200; padding: 0 .3em; border-radius: 3px; font-family: var(--f-data); font-size: .85em; font-weight: 500; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; z-index: 100; background: var(--paper); padding: 8px 12px; }
.print-only { display: none; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: .55rem;
  font: 700 1rem/1 var(--f-display); letter-spacing: -0.01em; padding: 1rem 1.4rem; border-radius: 999px;
  text-decoration: none; border: 1.5px solid transparent; cursor: pointer; transition: background .15s, border-color .15s, color .15s, box-shadow .15s;
  white-space: nowrap;
}
.btn-primary { background: var(--blue-btn); color: #fff; box-shadow: 0 8px 20px -10px rgba(15,116,224,.85); }
.btn-primary:hover { background: var(--blue-hover); }
.btn-ghost { border-color: var(--line-2); color: var(--ink); background: transparent; }
.btn-ghost:hover { border-color: var(--blue); color: var(--blue-ink); }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: var(--sky); }
.btn-sm { padding: .7rem 1rem; font-size: .92rem; }
.btn svg { width: 16px; height: 16px; flex: none; transition: transform .15s; }
.btn:hover svg:last-child { transform: translateX(2px); }
.btn[aria-busy="true"] { opacity: .75; pointer-events: none; }
.btn-text { appearance: none; background: none; border: 0; padding: .3rem 0; font: 600 .9rem/1 var(--f-display); color: var(--ink-3); cursor: pointer; text-decoration: underline; text-underline-offset: 3px; }
.btn-text:hover { color: var(--ink); }
.link-arrow { display: inline-flex; align-items: center; gap: .4rem; font: 700 .98rem/1.2 var(--f-display); color: var(--blue-ink); text-decoration: none; }
.link-arrow svg { width: 15px; height: 15px; flex: none; transition: transform .15s; }
.link-arrow:hover svg, a:hover > .link-arrow svg, a:hover .link-arrow svg { transform: translateX(3px); }
.ic-badge { width: 48px; height: 48px; border-radius: 12px; background: var(--sky); color: var(--blue-ink); display: grid; place-items: center; flex: none; }
.ic-badge svg { width: 26px; height: 26px; }
.ic-badge.sm { width: 40px; height: 40px; border-radius: 10px; }
.ic-badge.sm svg { width: 22px; height: 22px; }
.ic-badge.xs { width: 30px; height: 30px; border-radius: 8px; }
.ic-badge.xs svg { width: 18px; height: 18px; }

/* ---------- Header ---------- */
.site-head {
  position: sticky; top: env(safe-area-inset-top, 0px); z-index: 50;
  background: rgba(255,255,255,.92);
  backdrop-filter: saturate(1.4) blur(14px); -webkit-backdrop-filter: saturate(1.4) blur(14px);
  border-bottom: 1px solid var(--line);
}
.head-row { display: flex; align-items: center; gap: 1.25rem; min-height: var(--head-h); position: relative; }
.brand { display: flex; align-items: center; text-decoration: none; margin-right: auto; }
.brand .brand-logo { height: 46px; width: auto; }
.nav { display: flex; gap: 1.6rem; align-items: center; }
.nav-link { color: var(--ink); text-decoration: none; font: 600 .98rem/1 var(--f-display); letter-spacing: -0.01em; padding-block: .6rem; position: relative; }
.nav-link:hover, .menu[open] > .nav-link { color: var(--blue-ink); }
.nav-link.is-active::after { content: ""; position: absolute; left: 0; right: 0; bottom: -2px; height: 2px; border-radius: 2px; background: var(--blue); }
.mega > summary.nav-link.is-active::after { right: 20px; }
.nav > a.lang { font: 600 .78rem/1 var(--f-data); color: var(--ink); text-decoration: none; border: 1.5px solid var(--line-2); border-radius: 999px; padding: .5rem .7rem; }
.nav > a.lang:hover { border-color: var(--blue); }
.head-apply { padding: .8rem 1.15rem; }

.menu { position: static; }
.menu > summary { list-style: none; cursor: pointer; display: inline-flex; align-items: center; gap: .35rem; white-space: nowrap; }
.menu > summary::-webkit-details-marker { display: none; }
.menu > summary svg { width: 14px; height: 14px; transition: transform .18s; }
.menu[open] > summary svg { transform: rotate(180deg); }

/* Mega menu */
.mega-pop {
  position: absolute; top: calc(100% + 1px); left: 50%; transform: translateX(-50%); z-index: 60;
  width: min(900px, calc(100vw - 32px)); display: grid; grid-template-columns: minmax(0, 1.55fr) minmax(0, 1fr);
  background: var(--paper); border: 1px solid var(--line); border-radius: 0 0 20px 20px; box-shadow: var(--shadow-lg); overflow: hidden;
  animation: pop .16s ease-out;
}
@keyframes pop { from { opacity: 0; transform: translate(-50%, -6px); } to { opacity: 1; transform: translate(-50%, 0); } }
.mega-main { padding: 1.4rem 1.4rem 1.2rem; display: grid; gap: .8rem; align-content: start; }
.mega-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .2rem; }
.mega-item { display: grid; grid-template-columns: 42px 1fr; gap: .8rem; align-items: center; padding: .7rem .75rem; border-radius: 12px; text-decoration: none; color: var(--ink); transition: background .12s; }
.mega-item:hover, .mega-item.is-current { background: var(--mist); }
.mi-ic { width: 42px; height: 42px; border-radius: 11px; background: var(--sky); color: var(--blue-ink); display: grid; place-items: center; transition: background .12s, color .12s; }
.mi-ic svg { width: 23px; height: 23px; }
.mega-item:hover .mi-ic, .mega-item.is-current .mi-ic { background: var(--blue); color: #fff; }
.mi-text b { display: block; font: 700 1rem/1.2 var(--f-display); letter-spacing: -0.01em; }
.mi-text small { display: block; color: var(--ink-3); font-size: .86rem; line-height: 1.35; margin-top: .15rem; }
.mega-all { border-top: 1px solid var(--line); padding: .9rem .75rem 0; }
.mega-side { background: var(--mist); padding: 1.4rem; display: grid; gap: .45rem; align-content: start; border-left: 1px solid var(--line); }
.mega-side .pop-label { margin-bottom: .35rem; }
.mega-guide { display: grid; grid-template-columns: 14px 1fr; gap: .75rem; align-items: start; padding: .7rem .8rem; border-radius: 12px; text-decoration: none; color: var(--ink); background: var(--paper); border: 1px solid var(--line); transition: border-color .12s; }
.mega-guide:hover { border-color: var(--blue); }
.mega-guide b { display: block; font: 700 .95rem/1.3 var(--f-display); letter-spacing: -0.01em; }
.mega-guide small { color: var(--ink-3); font-size: .82rem; }
.mg-dot { width: 14px; height: 14px; border-radius: 4px; margin-top: .2rem; }
.mega-side .link-arrow { margin-top: .5rem; padding-left: .2rem; }

/* Loan officer menu */
.lo-menu { position: relative; }
.lo-menu > summary { font: 700 .95rem/1 var(--f-display); letter-spacing: -0.01em; color: var(--ink); padding: .72rem .95rem; border-radius: 999px; border: 1.5px solid var(--line-2); background: var(--paper); }
.lo-menu > summary:hover, .lo-menu[open] > summary { border-color: var(--blue); }
.lo-pop {
  position: absolute; right: 0; top: calc(100% + 12px); width: min(350px, calc(100vw - 32px)); z-index: 60;
  background: var(--paper); border: 1px solid var(--line); border-radius: 16px; box-shadow: var(--shadow-lg); padding: .5rem; display: grid; gap: .15rem;
  animation: fade .16s ease-out;
}
@keyframes fade { from { opacity: 0; transform: translateY(-4px); } to { opacity: 1; transform: none; } }
.lo-pop .pop-label { padding: .7rem .7rem .4rem; }
.lo-item { display: grid; grid-template-columns: 48px 1fr auto; gap: .8rem; align-items: center; padding: .6rem .7rem; border-radius: 12px; text-decoration: none; color: var(--ink); }
.lo-item:hover, .lo-item.is-current { background: var(--mist); }
.lo-item b { display: block; font: 700 1rem/1.25 var(--f-display); letter-spacing: -0.01em; }
.lo-item small { display: block; color: var(--ink-3); font-size: .82rem; margin-top: .15rem; line-height: 1.35; }
.lo-item > svg { width: 16px; height: 16px; color: var(--ink-3); }
.lo-thumb { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; object-position: 50% 6%; background: var(--sky); }
.monogram { display: grid; place-items: center; font: 800 1.15rem/1 var(--f-display); color: #fff; background: linear-gradient(155deg, #06478A, #2088F8); }

/* Mobile menu */
.m-menu { display: none; }
.m-menu > summary { list-style: none; cursor: pointer; width: 46px; height: 46px; border-radius: 12px; border: 1.5px solid var(--line-2); display: grid; place-items: center; color: var(--ink); background: var(--paper); }
.m-menu > summary::-webkit-details-marker { display: none; }
.m-menu > summary svg { width: 22px; height: 22px; }
.m-menu .m-ic-close, .m-menu[open] .m-ic-open { display: none; }
.m-menu[open] .m-ic-close { display: grid; }
.m-menu[open] > summary { border-color: var(--blue); color: var(--blue-ink); }
.m-panel {
  position: absolute; left: 0; right: 0; top: 100%;
  height: calc(100vh - var(--head-h) - env(safe-area-inset-top, 0px)); height: calc(100dvh - var(--head-h) - env(safe-area-inset-top, 0px));
  overflow-y: auto; overscroll-behavior: contain; background: var(--paper); border-top: 1px solid var(--line);
  animation: fade .16s ease-out;
}
.m-inner { padding: 1.25rem var(--gutter) calc(2rem + env(safe-area-inset-bottom, 0px)); display: grid; gap: .75rem; max-width: 640px; margin-inline: auto; }
.m-programs { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .5rem; }
.m-prog { display: flex; align-items: center; gap: .65rem; padding: .55rem; border-radius: 12px; border: 1px solid var(--line); text-decoration: none; color: var(--ink); font: 700 .95rem/1.2 var(--f-display); }
.m-prog .mi-ic { width: 36px; height: 36px; border-radius: 9px; }
.m-prog .mi-ic svg { width: 20px; height: 20px; }
.m-prog.is-current { border-color: var(--blue); background: var(--sky-2); }
.m-all { padding: .3rem .2rem .4rem; }
.m-links { display: grid; grid-template-columns: 1fr 1fr; gap: .5rem; padding-block: .5rem .6rem; border-block: 1px solid var(--line); }
.m-links a { display: flex; align-items: center; gap: .6rem; padding: .7rem .4rem; text-decoration: none; color: var(--ink); font: 700 1rem/1 var(--f-display); }
.m-links svg { width: 20px; height: 20px; color: var(--blue-ink); }
.m-los { display: grid; gap: .1rem; margin-inline: -.7rem; }
.m-actions { display: grid; gap: .6rem; margin-top: .6rem; }
.m-lang { display: flex; align-items: center; justify-content: center; gap: .5rem; padding: .8rem; color: var(--ink-2); font: 600 .95rem/1 var(--f-display); text-decoration: none; }
.m-lang svg { width: 18px; height: 18px; }

@media (max-width: 1080px) {
  .nav, .head-apply { display: none; }
  .m-menu { display: block; }
  .head-row { gap: .6rem; }
}
@media (min-width: 560px) and (max-width: 1080px) {
  .head-apply { display: inline-flex; }
}
@media (max-width: 480px) {
  :root { --head-h: 68px; }
  .brand .brand-logo { height: 36px; }
}

/* Breadcrumbs */
.crumbs ol { list-style: none; margin: 0 0 1.4rem; padding: 0; display: flex; flex-wrap: wrap; align-items: center; gap: .35rem .5rem; font: 600 .86rem/1.3 var(--f-display); color: var(--ink-3); }
.crumbs li { display: inline-flex; align-items: center; gap: .5rem; }
.crumbs li + li::before { content: ""; width: 6px; height: 6px; border-right: 1.5px solid var(--line-2); border-top: 1.5px solid var(--line-2); transform: rotate(45deg); }
.crumbs a { color: var(--ink-2); text-decoration: none; }
.crumbs a:hover { color: var(--blue-ink); text-decoration: underline; }
.crumbs [aria-current] { color: var(--ink-3); }

/* ---------- Sections ---------- */
section { padding-block: clamp(4rem, 9vw, 7rem); }
.band { background: var(--mist); }
.sec-head { display: grid; gap: .9rem; margin-bottom: clamp(2.2rem, 4vw, 3.2rem); max-width: 46rem; }
.sec-head p:not(.eyebrow) { color: var(--ink-2); font-size: 1.12rem; }
.sec-row { display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between; gap: 1rem 2rem; margin-bottom: clamp(2.2rem, 4vw, 3.2rem); }
.sec-row .sec-head { margin-bottom: 0; }
.sec-row > .link-arrow { margin-bottom: .35rem; }
.fine-note { margin-top: 1.1rem; font-size: .88rem; color: var(--ink-3); max-width: 60rem; }

/* Home hero */
.hero { padding-block: clamp(3rem, 7vw, 6rem) clamp(3rem, 6vw, 4.5rem); background: var(--mist); }
.hero-copy { display: grid; gap: 1.4rem; }
.hero h1 { font-size: clamp(2.6rem, 5.8vw, 4.7rem); max-width: 15em; }
.hero-copy h1 em { font-style: normal; color: var(--blue); }
.hero .lede { max-width: 40rem; }
.goal { margin-top: 1.2rem; display: grid; gap: .9rem; }
.goal-q { font: 700 1rem/1.2 var(--f-display); color: var(--ink); letter-spacing: -0.01em; }
.goal-grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: .8rem; }
.goal-tile {
  display: grid; grid-template-columns: 48px 1fr auto; align-items: center; gap: .9rem; padding: 1.05rem 1.1rem;
  background: var(--paper); border: 1.5px solid var(--line); border-radius: var(--r); text-decoration: none; color: var(--ink);
  box-shadow: var(--shadow-sm); transition: border-color .15s, box-shadow .15s, transform .15s;
}
.goal-tile:hover { border-color: var(--blue); box-shadow: var(--shadow); transform: translateY(-2px); }
.goal-ic { width: 48px; height: 48px; border-radius: 12px; background: var(--sky); color: var(--blue-ink); display: grid; place-items: center; }
.goal-ic svg { width: 26px; height: 26px; }
.goal-tile b { display: block; font: 700 1.05rem/1.2 var(--f-display); letter-spacing: -0.015em; }
.goal-tile small { display: block; font-size: .86rem; color: var(--ink-3); line-height: 1.3; margin-top: .2rem; }
.goal-tile > svg { width: 16px; height: 16px; color: var(--ink-3); transition: transform .15s, color .15s; }
.goal-tile:hover > svg { color: var(--blue-ink); transform: translateX(3px); }
@media (max-width: 1080px) { .goal-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 560px) { .goal-grid { grid-template-columns: 1fr; } }

.trust { border-block: 1px solid var(--line); background: var(--paper); }
.trust-row { display: flex; flex-wrap: wrap; justify-content: space-between; gap: .9rem 2rem; padding-block: 1.15rem; }
.trust-item { display: flex; align-items: center; gap: .6rem; color: var(--ink-2); font-size: .95rem; }
.trust-item svg { width: 22px; height: 22px; color: var(--navy); flex: none; }
.trust-item b { font: 600 .9rem/1 var(--f-data); color: var(--ink); }

/* Home programs */
.programs { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.prog {
  display: flex; flex-direction: column; gap: .55rem; padding: 1.5rem; background: var(--paper);
  border: 1px solid var(--line); border-radius: var(--r); text-decoration: none; color: inherit; transition: border-color .15s, box-shadow .15s, transform .15s;
}
.prog:hover { border-color: var(--blue); box-shadow: var(--shadow); transform: translateY(-2px); }
.prog-code, .p-code { align-self: start; font: 600 .72rem/1 var(--f-data); color: var(--blue-ink); background: var(--sky); border-radius: 6px; padding: .42rem .52rem; letter-spacing: .02em; }
.prog-code { margin-bottom: .45rem; }
.prog h3 { font-size: 1.32rem; }
.prog .fit { font-weight: 600; color: var(--ink); font-size: .98rem; line-height: 1.4; }
.prog p { color: var(--ink-2); font-size: .98rem; line-height: 1.55; }
.prog .link-arrow { margin-top: auto; padding-top: .7rem; }
@media (max-width: 960px) { .programs { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .programs { grid-template-columns: 1fr; } }

/* Dark band */
.dark { background: var(--night); color: #C6D5E6; }
.dark h2, .dark h3 { color: #fff; }
.dark .eyebrow { color: #7DBBFF; }
.dark .sec-head p:not(.eyebrow) { color: #B3C4D8; }
.broker-grid { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(2rem, 6vw, 5rem); align-items: start; }
.broker-grid .sec-head { margin-bottom: 0; position: sticky; top: calc(var(--head-h) + 44px); }
.steps { list-style: none; margin: 0; padding: 0; display: grid; counter-reset: s; }
.steps li { counter-increment: s; display: grid; grid-template-columns: 3.2rem 1fr; gap: 1rem; padding-block: 1.5rem; border-top: 1px solid rgba(255,255,255,.12); }
.steps li:last-child { border-bottom: 1px solid rgba(255,255,255,.12); }
.steps li::before { content: counter(s, decimal-leading-zero); font: 600 .9rem/1.9 var(--f-data); color: #7DBBFF; }
.steps h3 { font-size: 1.28rem; margin-bottom: .3rem; }
.steps p { color: #B3C4D8; }
@media (max-width: 860px) { .broker-grid { grid-template-columns: 1fr; } .broker-grid .sec-head { position: static; } }

/* Calculators */
.calc { background: var(--paper); border: 1px solid var(--line); border-radius: 20px; box-shadow: var(--shadow); overflow: hidden; }
.tabs { display: flex; gap: .4rem; padding: .6rem; border-bottom: 1px solid var(--line); overflow-x: auto; }
.tab { appearance: none; background: none; border: 0; border-radius: 999px; font: 700 .98rem/1 var(--f-display); color: var(--ink-3); padding: .85rem 1.2rem; cursor: pointer; white-space: nowrap; }
.tab:hover { color: var(--ink); }
.tab[aria-selected="true"] { color: #fff; background: var(--night); }
.calc-body { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, .9fr); }
.calc-in { padding: clamp(1.25rem, 3vw, 2.2rem); display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem 1.25rem; align-content: start; align-items: start; }
.calc-out { padding: clamp(1.25rem, 3vw, 2.2rem); background: var(--navy); color: #fff; display: grid; gap: 1.1rem; align-content: start; }
.calc-out .big { font: 800 clamp(2.4rem, 4.8vw, 3.4rem)/1 var(--f-display); letter-spacing: -0.04em; font-variant-numeric: tabular-nums; }
.calc-out .lbl { font: 700 .72rem/1.2 var(--f-display); letter-spacing: .12em; text-transform: uppercase; color: rgba(255,255,255,.72); margin-bottom: .6rem; }
.calc-out dl { margin: 0; display: grid; gap: .6rem; border-top: 1px solid rgba(255,255,255,.2); padding-top: 1rem; }
.calc-out dl div { display: flex; justify-content: space-between; gap: 1rem; font-size: .98rem; }
.calc-out dt { color: rgba(255,255,255,.74); }
.calc-out dd { margin: 0; font: 600 1rem/1.4 var(--f-display); font-variant-numeric: tabular-nums; text-align: right; }
.calc-out .fine { font-size: .82rem; color: rgba(255,255,255,.7); line-height: 1.45; }
.calc-out .flag { font-size: .9rem; background: rgba(255,255,255,.1); border-radius: 10px; padding: .65rem .8rem; line-height: 1.4; }
@media (max-width: 820px) { .calc-body { grid-template-columns: 1fr; } }
@media (max-width: 420px) { .calc-in { grid-template-columns: 1fr; } }

/* Fields */
.field { display: grid; gap: .4rem; min-width: 0; align-content: start; }
.field.full { grid-column: 1 / -1; }
.field label { font: 600 .9rem/1.3 var(--f-display); color: var(--ink-2); }
.field .hint { font-size: .82rem; color: var(--ink-3); }
.field .err { font-size: .84rem; color: var(--bad); font-weight: 600; }
.input-wrap { position: relative; display: flex; align-items: center; }
.input-wrap .affix { position: absolute; font: 600 .95rem/1 var(--f-display); color: var(--ink-3); pointer-events: none; }
.input-wrap .pre { left: .9rem; }
.input-wrap .post { right: .9rem; }
input, select, textarea { width: 100%; font: 500 1rem/1.3 var(--f-body); color: var(--ink); background: var(--field); border: 1.5px solid var(--line-2); border-radius: 10px; padding: .8rem .9rem; min-height: 50px; }
select { appearance: none; background-image: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2364768C' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m7 10 5 5 5-5'/%3E%3C/svg%3E"); background-repeat: no-repeat; background-position: right .8rem center; background-size: 18px; padding-right: 2.4rem; }
.input-wrap input { font: 600 1.02rem/1.3 var(--f-display); font-variant-numeric: tabular-nums; }
.input-wrap .pre + input { padding-left: 1.8rem; }
.input-wrap input:has(+ .post) { padding-right: 2.8rem; }
input:hover, select:hover, textarea:hover { border-color: color-mix(in srgb, var(--blue) 45%, var(--line-2)); }
input:focus, select:focus, textarea:focus { outline: none; border-color: var(--blue); box-shadow: 0 0 0 4px color-mix(in srgb, var(--blue) 22%, transparent); }
[aria-invalid="true"] { border-color: #D92D20; box-shadow: 0 0 0 4px rgba(217,45,32,.12); }
textarea { min-height: 110px; resize: vertical; }

/* Mission */
.mission { margin: 0; font: 800 clamp(1.75rem, 3.6vw, 2.9rem)/1.14 var(--f-display); letter-spacing: -0.032em; color: var(--ink); max-width: 56rem; text-wrap: balance; }
.mission span { color: var(--blue); }
.mission-by { margin-top: 1.4rem; color: var(--ink-3); font-weight: 600; display: flex; align-items: center; gap: .7rem; }
.mission-by img { width: 32px; height: 32px; }

/* FAQ */
.faq { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(2rem, 6vw, 5rem); align-items: start; }
.faq .sec-head { margin-bottom: 0; }
.qa { border-top: 1px solid var(--line-2); }
.qa details { border-bottom: 1px solid var(--line-2); }
.qa summary { list-style: none; cursor: pointer; display: flex; justify-content: space-between; gap: 1rem; align-items: center; padding: 1.3rem 0; font: 700 1.12rem/1.35 var(--f-display); letter-spacing: -0.015em; color: var(--ink); }
.qa summary::-webkit-details-marker { display: none; }
.qa summary::after { content: "+"; font: 400 1.7rem/1 var(--f-display); color: var(--blue-ink); transition: transform .15s; flex: none; }
.qa details[open] summary::after { transform: rotate(45deg); }
.qa details p { padding: 0 2.5rem 1.4rem 0; color: var(--ink-2); max-width: 40rem; }
@media (max-width: 860px) { .faq { grid-template-columns: 1fr; } }

/* ---------- Program pages ---------- */
.p-hero { position: relative; isolation: isolate; overflow: hidden; background: var(--mist); padding-block: clamp(1.6rem, 4vw, 2.6rem) clamp(3.5rem, 7vw, 5.5rem); }
.p-motif { position: absolute; right: -2%; bottom: 0; width: min(46vw, 560px); height: auto; color: var(--sky); z-index: -1; }
.p-hero-grid { display: grid; grid-template-columns: minmax(0, 1.12fr) minmax(0, .88fr); gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.p-hero-copy { display: grid; gap: 1.25rem; align-content: start; }
.p-hero-copy .crumbs ol { margin-bottom: .6rem; }
.p-hero h1 { font-size: clamp(2.3rem, 4.4vw, 3.7rem); max-width: 14.5em; }
.p-kicker { display: flex; align-items: center; gap: .7rem; }
.p-kicker .p-code { background: var(--paper); border: 1px solid var(--line-2); }
.hero-cta { display: flex; flex-wrap: wrap; gap: .75rem; }
.p-hero .hero-cta { margin-top: .35rem; }
.p-trust { list-style: none; margin: .2rem 0 0; padding: 0; display: flex; flex-wrap: wrap; gap: .5rem 1.4rem; color: var(--ink-2); font-size: .94rem; font-weight: 600; }
.p-trust li { display: inline-flex; align-items: center; gap: .45rem; }
.p-trust svg { width: 16px; height: 16px; color: var(--good); }

.snap { background: var(--paper); border: 1px solid var(--line); border-radius: 22px; box-shadow: var(--shadow-lg); padding: clamp(1.25rem, 2.6vw, 1.75rem); }
.snap-head { display: flex; align-items: center; gap: 1rem; padding-bottom: 1.15rem; border-bottom: 1px solid var(--line); }
.snap-ic { width: 56px; height: 56px; border-radius: 16px; display: grid; place-items: center; flex: none; color: #fff; background: linear-gradient(150deg, #2088F8 0%, #06478A 100%); box-shadow: 0 10px 22px -12px rgba(6,71,138,.8); }
.snap-ic svg { width: 30px; height: 30px; }
.snap-name { font: 800 1.35rem/1.2 var(--f-display); letter-spacing: -0.02em; color: var(--ink); margin-top: .3rem; }
.snap-list { margin: 0; }
.snap-list div { display: grid; grid-template-columns: minmax(0, 9.5rem) minmax(0, 1fr); gap: 1rem; padding: .85rem 0; border-bottom: 1px dashed var(--line-2); }
.snap-list dt { font: 600 .88rem/1.4 var(--f-display); color: var(--ink-3); }
.snap-list dd { margin: 0; font: 600 .98rem/1.4 var(--f-body); color: var(--ink); }
.snap-note { display: flex; gap: .55rem; align-items: flex-start; margin-top: 1rem; font-size: .84rem; line-height: 1.45; color: var(--ink-3); }
.snap-note svg { width: 16px; height: 16px; flex: none; margin-top: .12rem; }
@media (max-width: 900px) {
  .p-hero-grid { grid-template-columns: 1fr; }
  .p-motif { width: 70vw; opacity: .7; }
}
@media (max-width: 460px) { .snap-list div { grid-template-columns: 1fr; gap: .15rem; } }

.fit-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.fit-card { display: grid; gap: .8rem; align-content: start; padding: 1.6rem; border: 1px solid var(--line); border-radius: 18px; background: var(--paper); }
.fit-card h3 { font-size: 1.22rem; margin-top: .3rem; }
.fit-card p { color: var(--ink-2); }
@media (max-width: 860px) { .fit-grid { grid-template-columns: 1fr; } .fit-card { grid-template-columns: 48px 1fr; column-gap: 1rem; } .fit-card .ic-badge { grid-row: span 2; } .fit-card h3 { margin-top: 0; } }

.split-grid { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: clamp(2rem, 6vw, 5rem); align-items: start; }
.split-grid .sec-head { margin-bottom: 0; }
.sec-head.is-sticky { position: sticky; top: calc(var(--head-h) + 44px); }
.feat-list { list-style: none; margin: 0; padding: 0; }
.feat-list li { display: grid; grid-template-columns: 2.1rem 1fr; gap: .9rem; padding-block: 1.4rem; border-top: 1px solid var(--line-2); }
.feat-list li:last-child { border-bottom: 1px solid var(--line-2); }
.feat-ic svg { width: 26px; height: 26px; color: var(--blue); margin-top: .05rem; }
.feat-list h3 { font-size: 1.2rem; margin-bottom: .35rem; }
.feat-list p { color: var(--ink-2); }
@media (max-width: 860px) { .split-grid { grid-template-columns: 1fr; } .sec-head.is-sticky { position: static; } }

/* HELOC uses */
.uses-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.use { display: grid; grid-template-columns: 48px 1fr; gap: 1rem; padding: 1.35rem; border-radius: 18px; background: var(--mist); border: 1px solid transparent; transition: border-color .15s, background .15s; }
.use:hover { background: var(--paper); border-color: var(--line); }
.use h3 { font-size: 1.1rem; margin-bottom: .3rem; }
.use p { color: var(--ink-2); font-size: .98rem; }
@media (max-width: 960px) { .uses-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .uses-grid { grid-template-columns: 1fr; } }

/* Tools */
.tool .calc-in { align-content: start; }
.tool-head { padding: clamp(1.25rem, 3vw, 2rem) clamp(1.25rem, 3vw, 2.2rem) 0; display: grid; gap: .4rem; }
.tool-h { font: 800 1.35rem/1.25 var(--f-display); letter-spacing: -0.02em; color: var(--ink); }
.tool-head p:not(.eyebrow):not(.tool-h) { color: var(--ink-2); font-size: .98rem; }
.tc { display: grid; gap: 1.1rem; }
.tc-top { display: flex; justify-content: space-between; align-items: baseline; gap: 1rem; margin-bottom: .45rem; color: rgba(255,255,255,.8); font-size: .95rem; }
.tc-top b { font: 800 clamp(1.8rem, 3.4vw, 2.4rem)/1 var(--f-display); letter-spacing: -0.03em; color: #fff; font-variant-numeric: tabular-nums; }
.bar { height: 10px; border-radius: 99px; background: rgba(255,255,255,.14); overflow: hidden; }
.bar i { display: block; height: 100%; width: 0; border-radius: inherit; background: #7DBBFF; transition: width .35s cubic-bezier(.2,.7,.2,1); }
.tc-row.alt .bar i { background: #fff; }
.verdict { display: flex; gap: .65rem; align-items: flex-start; background: rgba(255,255,255,.1); border-radius: 12px; padding: .8rem .95rem; font-weight: 600; line-height: 1.4; }
.verdict svg { width: 20px; height: 20px; flex: none; margin-top: .05rem; color: #7DBBFF; }
.verdict[data-state="short"] svg, .verdict[data-state="co"] svg { color: #FFD48A; }
.gauge { position: relative; height: 12px; border-radius: 99px; background: linear-gradient(90deg, rgba(255,212,138,.35) 0 50%, rgba(125,187,255,.28) 50% 100%); margin-top: .2rem; }
.gauge-fill { position: absolute; left: 0; top: 0; bottom: 0; width: 0; border-radius: inherit; background: #7DBBFF; transition: width .35s cubic-bezier(.2,.7,.2,1); }
.gauge[data-state="short"] .gauge-fill { background: #FFD48A; }
.gauge-tick { position: absolute; left: 50%; top: -6px; bottom: -6px; width: 2px; background: #fff; }
.gauge-tick b { position: absolute; top: -1.35rem; left: 50%; transform: translateX(-50%); font: 600 .72rem/1 var(--f-data); color: rgba(255,255,255,.8); }
.p-tool .calc { box-shadow: var(--shadow-lg); }

/* Document checklist */
.docs-top { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: flex-end; gap: 1.2rem 2rem; margin-bottom: clamp(1.8rem, 3.5vw, 2.6rem); }
.docs-top .sec-head { margin-bottom: 0; }
.docs-tools { display: grid; gap: .8rem; justify-items: start; min-width: min(300px, 100%); }
.docs-progress { display: grid; gap: .5rem; width: 100%; }
.docs-progress b { font: 700 .98rem/1 var(--f-display); color: var(--ink); }
.meter { display: block; height: 8px; border-radius: 99px; background: var(--sky); overflow: hidden; }
.meter i { display: block; height: 100%; width: 0; background: linear-gradient(90deg, var(--blue), #11A36E); border-radius: inherit; transition: width .3s ease; }
.docs-btns { display: flex; align-items: center; gap: 1rem; }
.btn-ghost.btn-sm svg { width: 18px; height: 18px; }
.docs-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.docs-col { background: var(--paper); border: 1px solid var(--line); border-radius: 18px; padding: 1.3rem 1.3rem .6rem; }
.docs-col h3 { font-size: 1.05rem; padding-bottom: .7rem; }
.docs-col ul { list-style: none; margin: 0; padding: 0; }
.check { display: grid; grid-template-columns: 24px 1fr; gap: .8rem; align-items: start; padding: .8rem 0; border-top: 1px solid var(--line); cursor: pointer; color: var(--ink-2); line-height: 1.45; }
.check input { appearance: none; -webkit-appearance: none; width: 22px; height: 22px; min-height: 0; padding: 0; margin: .05rem 0 0; border: 1.5px solid var(--line-2); border-radius: 7px; background: #fff; display: grid; place-items: center; cursor: pointer; transition: background .12s, border-color .12s; }
.check input::after { content: ""; width: 10px; height: 5.5px; border-left: 2.4px solid #fff; border-bottom: 2.4px solid #fff; transform: rotate(-45deg) translate(1px, -1px); opacity: 0; }
.check input:checked { background: var(--good); border-color: var(--good); }
.check input:checked::after { opacity: 1; }
.check input:checked + span { color: var(--ink-3); }
.check:hover input:not(:checked) { border-color: var(--blue); }
@media (max-width: 900px) { .docs-grid { grid-template-columns: 1fr; } }

/* Compare table */
.cmp-wrap { border: 1px solid var(--line); border-radius: 20px; overflow: hidden; background: var(--paper); box-shadow: var(--shadow-sm); }
.cmp { width: 100%; border-collapse: collapse; table-layout: fixed; }
.cmp th, .cmp td { text-align: left; vertical-align: top; padding: 1.1rem 1.3rem; border-bottom: 1px solid var(--line); line-height: 1.45; }
.cmp thead th { font: 800 1.12rem/1.25 var(--f-display); letter-spacing: -0.015em; color: var(--ink); padding-block: 1.2rem; }
.cmp thead td { width: 24%; }
.cmp thead th a { color: var(--ink); text-decoration: none; display: inline-flex; align-items: center; gap: .3rem; }
.cmp thead th a:hover { color: var(--blue-ink); }
.cmp thead th a svg { width: 16px; height: 16px; }
.cmp .cmp-tag { display: block; width: max-content; font: 700 .64rem/1 var(--f-display); letter-spacing: .12em; text-transform: uppercase; color: #fff; background: var(--blue-ink); border-radius: 99px; padding: .32rem .55rem; margin-bottom: .5rem; }
.cmp th.is-this, .cmp td.is-this { background: var(--sky-2); }
.cmp td.is-this { color: var(--ink); font-weight: 600; }
.cmp td { color: var(--ink-2); }
.cmp tbody th { font: 700 .76rem/1.4 var(--f-display); letter-spacing: .1em; text-transform: uppercase; color: var(--ink-3); }
.cmp tbody tr:last-child > * { border-bottom: 0; }
@media (max-width: 680px) {
  .cmp, .cmp thead, .cmp tbody { display: block; }
  .cmp tr { display: grid; grid-template-columns: 1fr 1fr; }
  .cmp thead td { display: none; }
  .cmp thead th { font-size: 1rem; padding: 1rem; }
  .cmp tbody th { grid-column: 1 / -1; padding: .9rem 1rem .1rem; border-bottom: 0; background: var(--paper); }
  .cmp td { padding: .45rem 1rem 1rem; font-size: .95rem; }
  .cmp tbody th + td.is-this { background: var(--sky-2); }
}

/* Related */
.rel-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: clamp(1.5rem, 4vw, 3rem); align-items: start; }
.rel-col { display: grid; gap: 1rem; align-content: start; }
.rel-h { font-size: 1.35rem; letter-spacing: -0.02em; }
.rel-progs, .rel-guides { display: grid; gap: .6rem; }
.rel-col > .link-arrow { margin-top: .3rem; }
@media (max-width: 900px) { .rel-grid { grid-template-columns: 1fr; } }
.p-mini { display: grid; grid-template-columns: 40px 1fr auto; gap: .9rem; align-items: center; padding: .85rem 1rem; background: var(--paper); border: 1px solid var(--line); border-radius: 14px; text-decoration: none; color: var(--ink); transition: border-color .15s, box-shadow .15s; }
.p-mini:hover { border-color: var(--blue); box-shadow: var(--shadow); }
.p-mini-text b { display: block; font: 700 1.02rem/1.25 var(--f-display); letter-spacing: -0.01em; }
.p-mini-text small { display: block; color: var(--ink-3); font-size: .88rem; line-height: 1.35; margin-top: .1rem; }
.p-mini > svg { width: 16px; height: 16px; color: var(--ink-3); transition: transform .15s, color .15s; }
.p-mini:hover > svg { transform: translateX(3px); color: var(--blue-ink); }
.mini-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: .75rem; }
@media (max-width: 900px) { .mini-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .mini-grid { grid-template-columns: 1fr; } }

/* ---------- Guide cards + cover art ---------- */
.art-navy { background: radial-gradient(circle at 1.5px 1.5px, rgba(255,255,255,.1) 1.5px, transparent 0) 0 0 / 18px 18px, linear-gradient(150deg, #0A5BB0 0%, #06478A 45%, #041E3B 100%); }
.art-blue { background: radial-gradient(circle at 1.5px 1.5px, rgba(255,255,255,.1) 1.5px, transparent 0) 0 0 / 18px 18px, linear-gradient(150deg, #1D7EE6 0%, #0A67CF 40%, #06325F 100%); }
.art-night { background: radial-gradient(circle at 1.5px 1.5px, rgba(255,255,255,.08) 1.5px, transparent 0) 0 0 / 18px 18px, linear-gradient(150deg, #0B3A6B 0%, #041E3B 70%); }
.mg-dot.art-navy, .mg-dot.art-blue, .mg-dot.art-night { background-size: auto; }
.g-art { display: grid; place-items: center; overflow: hidden; }
.g-art svg { width: 100%; height: 100%; }
.guide-row { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.1rem; }
@media (max-width: 960px) { .guide-row { grid-template-columns: 1fr; } }
.g-card { display: flex; flex-direction: column; background: var(--paper); border: 1px solid var(--line); border-radius: 20px; overflow: hidden; text-decoration: none; color: var(--ink); transition: border-color .15s, box-shadow .15s, transform .15s; }
.g-card:hover { border-color: var(--blue); box-shadow: var(--shadow); transform: translateY(-2px); }
.g-card .g-art { aspect-ratio: 16 / 9; }
.g-card-body { display: flex; flex-direction: column; gap: .55rem; padding: 1.3rem 1.4rem 1.4rem; flex: 1; }
.g-cat { font: 700 .72rem/1.3 var(--f-display); letter-spacing: .1em; text-transform: uppercase; color: var(--blue-ink); display: flex; gap: .45rem; flex-wrap: wrap; }
.g-cat i { font-style: normal; color: var(--line-2); }
.g-card-title { font: 800 1.22rem/1.25 var(--f-display); letter-spacing: -0.02em; text-wrap: balance; }
.g-card-p { color: var(--ink-2); font-size: .98rem; }
.g-card .link-arrow { margin-top: auto; padding-top: .5rem; }
.g-card.wide { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); }
.g-card.wide .g-art { aspect-ratio: auto; min-height: 100%; }
.g-card.wide .g-art svg { width: 118%; }
@media (max-width: 560px) { .g-card.wide { grid-template-columns: 1fr; } .g-card.wide .g-art { aspect-ratio: 16 / 8; } .g-card.wide .g-art svg { width: 100%; } }
.g-card.feature .g-art { aspect-ratio: 16 / 10; }
.g-card.feature .g-card-title { font-size: clamp(1.45rem, 2.4vw, 1.9rem); }
.g-card.feature .g-card-body { padding: 1.6rem 1.8rem 1.8rem; gap: .7rem; }

/* ---------- Loans hub ---------- */
.hub-hero .wrap { display: grid; gap: 1.2rem; }
.hub-hero .crumbs ol, .gi-hero .crumbs ol { margin-bottom: .2rem; }
.hub-hero h1, .gi-hero h1 { max-width: 13em; }
.hub-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.hub-card { display: flex; flex-direction: column; gap: .75rem; padding: 1.6rem; background: var(--paper); border: 1px solid var(--line); border-radius: 20px; text-decoration: none; color: inherit; transition: border-color .15s, box-shadow .15s, transform .15s; }
.hub-card:hover { border-color: var(--blue); box-shadow: var(--shadow); transform: translateY(-2px); }
.hub-card-top { display: flex; justify-content: space-between; align-items: center; margin-bottom: .3rem; }
.hub-card:hover .ic-badge { background: var(--blue); color: #fff; }
.hub-card h3 { font-size: 1.35rem; }
.hub-card p { color: var(--ink-2); }
.hub-best { border-top: 1px dashed var(--line-2); padding-top: .75rem; font-weight: 600; color: var(--ink) !important; font-size: .96rem; }
.hub-best span { display: block; font: 700 .68rem/1.4 var(--f-display); letter-spacing: .12em; text-transform: uppercase; color: var(--ink-3); margin-bottom: .15rem; }
.hub-card .link-arrow { margin-top: auto; padding-top: .3rem; }
@media (max-width: 960px) { .hub-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 600px) { .hub-grid { grid-template-columns: 1fr; } }
.matrix-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 20px; background: var(--paper); box-shadow: var(--shadow-sm); -webkit-overflow-scrolling: touch; }
.matrix { width: 100%; min-width: 900px; border-collapse: collapse; }
.matrix th, .matrix td { text-align: left; vertical-align: top; padding: 1rem 1.15rem; border-bottom: 1px solid var(--line); line-height: 1.45; }
.matrix thead th { font: 700 .72rem/1.3 var(--f-display); letter-spacing: .1em; text-transform: uppercase; color: var(--ink-3); background: var(--paper); }
.matrix tbody th { position: sticky; left: 0; background: var(--paper); z-index: 1; min-width: 190px; }
.matrix tbody th a { display: flex; align-items: center; gap: .6rem; color: var(--ink); text-decoration: none; font: 700 1rem/1.25 var(--f-display); }
.matrix tbody th a:hover { color: var(--blue-ink); }
.matrix td { color: var(--ink-2); font-size: .96rem; }
.matrix tbody tr:last-child > * { border-bottom: 0; }
.matrix tbody tr:hover > * { background: var(--sky-2); }
.matrix-hint { display: none; margin-top: .7rem; font-size: .86rem; color: var(--ink-3); }
@media (max-width: 960px) { .matrix-hint { display: block; } }

/* ---------- Guides index ---------- */
.gi { padding-top: clamp(3rem, 6vw, 4.5rem); }
.gi-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, 1fr); grid-template-rows: auto auto; gap: 1.1rem; }
.gi-grid .feature { grid-row: span 2; }
@media (max-width: 960px) { .gi-grid { grid-template-columns: 1fr; } .gi-grid .feature { grid-row: auto; } }

/* ---------- Guide article ---------- */
.g-hero { background: var(--mist); padding-block: clamp(1.6rem, 4vw, 2.6rem) clamp(2.5rem, 6vw, 4rem); }
.g-hero-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, .7fr); gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.g-hero-copy { display: grid; gap: 1.1rem; }
.g-hero-copy .crumbs ol { margin-bottom: .4rem; }
.g-hero h1 { font-size: clamp(2.2rem, 4.2vw, 3.45rem); max-width: 16em; }
.g-dek { font-size: clamp(1.1rem, 1.6vw, 1.24rem); line-height: 1.55; color: var(--ink-2); max-width: 42rem; }
.g-meta { display: flex; flex-wrap: wrap; gap: .5rem 1.4rem; color: var(--ink-3); font-size: .93rem; font-weight: 600; margin-top: .2rem; }
.g-meta span { display: inline-flex; align-items: center; gap: .4rem; }
.g-meta svg { width: 17px; height: 17px; }
.g-art-hero { aspect-ratio: 5 / 4; border-radius: 24px; box-shadow: var(--shadow-lg); }
@media (max-width: 900px) { .g-hero-grid { grid-template-columns: 1fr; } .g-art-hero { display: none; } }

.g-layout { display: grid; grid-template-columns: 15.5rem minmax(0, 46rem); gap: clamp(2rem, 5vw, 5rem); justify-content: center; padding-block: clamp(2.5rem, 6vw, 4.5rem) clamp(4rem, 8vw, 6rem); }
.toc { position: sticky; top: calc(var(--head-h) + 32px); align-self: start; }
.toc summary { list-style: none; display: flex; justify-content: space-between; align-items: center; font: 700 .7rem/1.2 var(--f-display); letter-spacing: .14em; text-transform: uppercase; color: var(--ink-3); padding-bottom: .9rem; cursor: default; pointer-events: none; }
.toc summary::-webkit-details-marker { display: none; }
.toc summary svg { display: none; width: 18px; height: 18px; }
.toc ol { list-style: none; margin: 0; padding: 0; border-left: 2px solid var(--line); }
.toc a { display: block; padding: .42rem 0 .42rem 1rem; margin-left: -2px; border-left: 2px solid transparent; color: var(--ink-3); text-decoration: none; font: 600 .9rem/1.35 var(--f-display); transition: color .12s, border-color .12s; }
.toc a:hover { color: var(--ink); }
.toc a[aria-current="true"] { color: var(--blue-ink); border-left-color: var(--blue); }
@media (max-width: 1000px) {
  .g-layout { grid-template-columns: minmax(0, 1fr); max-width: 50rem; }
  .toc { position: static; border: 1px solid var(--line); border-radius: 14px; padding: 0 1.1rem; }
  .toc summary { padding: 1rem 0; pointer-events: auto; cursor: pointer; font-size: .76rem; }
  .toc summary svg { display: block; transition: transform .15s; }
  .toc details[open] summary svg { transform: rotate(180deg); }
  .toc ol { margin-bottom: 1rem; }
}

.g-body { font-size: 1.12rem; line-height: 1.72; color: var(--ink-2); min-width: 0; }
.g-body > * + * { margin-top: 1.25rem; }
.g-sec { scroll-margin-top: 0; }
.g-sec h2 { font-size: clamp(1.55rem, 2.6vw, 2rem); line-height: 1.15; margin: 2.6rem 0 1rem; }
.g-sec > * + * { margin-top: 1rem; }
.g-sec h2 + * { margin-top: 0; }
.g-body ul { padding-left: 1.25rem; margin-block: 1rem 0; }
.g-body li + li { margin-top: .5rem; }
.g-body li::marker { color: var(--blue); }
.g-body strong { color: var(--ink); font-weight: 700; }
.g-body a { font-weight: 600; }
.g-takeaways { background: var(--paper); border: 1px solid var(--line); border-radius: 18px; padding: 1.4rem 1.6rem; box-shadow: var(--shadow-sm); position: relative; overflow: hidden; }
.g-takeaways::before { content: ""; position: absolute; inset: 0 auto 0 0; width: 4px; background: linear-gradient(180deg, var(--blue), var(--navy)); }
.g-takeaways ul { list-style: none; padding: 0; margin: .8rem 0 0; counter-reset: tk; display: grid; gap: .65rem; }
.g-takeaways li { counter-increment: tk; display: grid; grid-template-columns: 1.8rem 1fr; gap: .6rem; margin: 0 !important; color: var(--ink); font-size: 1.04rem; line-height: 1.5; }
.g-takeaways li::before { content: counter(tk); width: 1.6rem; height: 1.6rem; border-radius: 50%; background: var(--sky); color: var(--blue-ink); font: 700 .82rem/1.6rem var(--f-display); text-align: center; margin-top: .05rem; }
.callout { display: grid; grid-template-columns: 24px 1fr; gap: .9rem; padding: 1.1rem 1.25rem; border-radius: 16px; background: var(--sky-2); border: 1px solid #CFE2FB; font-size: 1.02rem; line-height: 1.6; margin-block: 1.5rem !important; }
.callout > svg { width: 24px; height: 24px; color: var(--blue-ink); margin-top: .1rem; }
.callout-title { font: 700 1.02rem/1.35 var(--f-display); color: var(--ink); margin-bottom: .25rem !important; }
.callout ul { margin-top: .4rem !important; }
.callout.info { background: var(--mist); border-color: var(--line); }
.callout.warn { background: var(--warn-bg); border-color: #F6DDB0; }
.callout.warn > svg { color: var(--warn); }
.callout.warn li::marker { color: var(--warn); }
.callout.alert { background: var(--bad-bg); border-color: #FAD2CD; }
.callout.alert > svg { color: var(--bad); }
.formula { font: 600 1.02rem/1.55 var(--f-data); background: var(--night); color: #fff; border-radius: 14px; padding: 1rem 1.2rem; overflow-x: auto; letter-spacing: -0.01em; }
.g-table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 16px; margin-block: 1.5rem !important; -webkit-overflow-scrolling: touch; }
.g-table { width: 100%; min-width: 560px; border-collapse: collapse; font-size: .98rem; line-height: 1.45; }
.g-table th, .g-table td { text-align: left; vertical-align: top; padding: .85rem 1rem; border-bottom: 1px solid var(--line); }
.g-table thead th { background: var(--mist); font: 700 .74rem/1.3 var(--f-display); letter-spacing: .08em; text-transform: uppercase; color: var(--ink-3); }
.g-table tbody th { font: 700 1rem/1.35 var(--f-display); color: var(--ink); }
.g-table tbody tr:last-child > * { border-bottom: 0; }
.g-steps { list-style: none; counter-reset: gs; padding: 0 !important; margin: 1.5rem 0 0 !important; }
.g-steps li { counter-increment: gs; display: grid; grid-template-columns: 2.6rem 1fr; gap: .9rem; padding: 1.05rem 0; border-top: 1px solid var(--line); margin: 0 !important; }
.g-steps li:last-child { border-bottom: 1px solid var(--line); }
.g-steps li::before { content: counter(gs); width: 2.1rem; height: 2.1rem; border-radius: 50%; background: var(--navy); color: #fff; font: 700 .92rem/2.1rem var(--f-display); text-align: center; }
.g-steps h3 { font-size: 1.1rem; margin-bottom: .2rem; }
.g-steps p { font-size: 1.02rem; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-block: 1.5rem !important; }
.split > div { border-radius: 16px; padding: 1.2rem 1.3rem; border: 1px solid var(--line); }
.split h3 { font-size: 1.05rem; margin-bottom: .7rem; }
.split ul { list-style: none; padding: 0; margin: 0; display: grid; gap: .6rem; }
.split li { display: grid; grid-template-columns: 22px 1fr; gap: .6rem; margin: 0 !important; font-size: 1rem; line-height: 1.5; }
.split li svg { width: 20px; height: 20px; margin-top: .15rem; }
.split-yes { background: #F1FAF5; border-color: #CFEBDC !important; }
.split-yes svg { color: var(--good); }
.split-no { background: var(--mist); }
.split-no svg { color: var(--ink-3); }
@media (max-width: 640px) { .split { grid-template-columns: 1fr; } }
.g-tool { margin-block: 1.8rem !important; }
.g-tool .calc-body { grid-template-columns: 1fr; }
.g-tool .calc { font-size: 1rem; line-height: 1.5; }
.g-cta { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 1.1rem 2rem; margin-top: 3rem !important; padding: 1.6rem 1.8rem; border-radius: 20px; color: #fff; background: radial-gradient(600px 240px at 100% 0%, rgba(32,136,248,.45), transparent 60%), var(--navy); }
.g-cta-h { font: 800 1.3rem/1.25 var(--f-display); letter-spacing: -0.02em; margin-bottom: .3rem; }
.g-cta p:not(.g-cta-h) { color: rgba(255,255,255,.82); font-size: 1rem; }
.g-sources { margin-top: 3rem !important; padding-top: 1.6rem; border-top: 1px solid var(--line); }
.g-sources h2 { font-size: 1.1rem; letter-spacing: -0.01em; margin-bottom: .8rem; }
.g-sources ol { margin: 0; padding-left: 1.3rem; font-size: .96rem; line-height: 1.5; display: grid; gap: .45rem; }
.g-sources li::marker { color: var(--ink-3); font-family: var(--f-data); font-size: .85rem; }
.g-sources a { font-weight: 500; }
.g-disclaimer { margin-top: 1.1rem; font-size: .88rem; color: var(--ink-3); line-height: 1.55; }

/* ---------- Lead band + form ---------- */
.lead { position: relative; overflow: hidden; color: #C9D8EA; background: radial-gradient(900px 520px at 100% 0%, rgba(47,149,255,.38), transparent 62%), radial-gradient(700px 500px at 0% 100%, rgba(4,30,59,.55), transparent 70%), linear-gradient(170deg, #075099 0%, #052F5E 100%); }
.lead-grid { display: grid; grid-template-columns: minmax(0, .92fr) minmax(0, 1.08fr); gap: clamp(2rem, 5vw, 4.5rem); align-items: start; }
.lead-copy { display: grid; gap: 1rem; align-content: start; padding-top: .4rem; }
.lead .eyebrow { color: #9CCBFF; }
.lead h2 { color: #fff; max-width: 13em; }
.lead-p { color: #C9D8EA; font-size: 1.14rem; max-width: 32rem; }
.lead-points { list-style: none; margin: .6rem 0 0; padding: 0; display: grid; gap: .7rem; }
.lead-points li { display: grid; grid-template-columns: 24px 1fr; gap: .7rem; color: #EAF2FB; font-weight: 600; }
.lead-points svg { width: 22px; height: 22px; color: #7DBBFF; }
.lead-call { margin-top: 1.1rem; padding-top: 1.3rem; border-top: 1px solid rgba(255,255,255,.14); display: grid; gap: .35rem; }
.lead-call p, .lead-los-wrap > p, .lead-apply p { font: 600 .9rem/1.3 var(--f-display); color: #B9CCE0; }
.lead-phone { display: inline-flex; align-items: center; gap: .6rem; color: #fff; text-decoration: none; font: 800 clamp(1.5rem, 2.6vw, 1.85rem)/1.1 var(--f-display); letter-spacing: -0.02em; width: max-content; }
.lead-phone svg { width: 24px; height: 24px; color: #7DBBFF; }
.lead-phone:hover span { text-decoration: underline; text-underline-offset: 4px; text-decoration-thickness: 2px; }
.lead-los-wrap, .lead-apply { display: grid; gap: .65rem; margin-top: .6rem; }
.lead-apply .btn { justify-self: start; }
.lead-los { display: flex; flex-wrap: wrap; gap: .55rem; }
.lo-chip { display: inline-flex; align-items: center; gap: .6rem; padding: .35rem 1rem .35rem .35rem; border-radius: 99px; background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.16); color: #fff; text-decoration: none; font: 700 .94rem/1 var(--f-display); transition: background .15s, border-color .15s; }
.lo-chip:hover { background: rgba(255,255,255,.16); border-color: rgba(255,255,255,.35); }
.lo-chip-img { width: 38px; height: 38px; border-radius: 50%; object-fit: cover; object-position: 50% 6%; background: #DDEBFD; }
.lead .form { box-shadow: 0 40px 80px -40px rgba(0,0,0,.55); border-color: transparent; }
@media (max-width: 900px) { .lead-grid { grid-template-columns: 1fr; } }

.form { background: var(--paper); border: 1px solid var(--line); border-radius: 22px; padding: clamp(1.25rem, 3vw, 2rem); display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1rem 1.2rem; box-shadow: var(--shadow-sm); color: var(--ink); }
.form h3 { grid-column: 1 / -1; font-size: 1.4rem; }
.consent { grid-column: 1 / -1; display: grid; grid-template-columns: auto 1fr; gap: .7rem; align-items: start; font-size: .84rem; color: var(--ink-3); line-height: 1.45; cursor: pointer; }
.consent input { width: 20px; height: 20px; min-height: 0; margin-top: 2px; padding: 0; accent-color: var(--blue); }
.form .form-submit { grid-column: 1 / -1; justify-self: stretch; padding-block: 1.1rem; font-size: 1.05rem; }
.form-alert { grid-column: 1 / -1; background: var(--bad-bg); color: #912018; border: 1px solid #FAD2CD; border-radius: 12px; padding: .8rem .95rem; font-size: .95rem; font-weight: 600; }
.form-alert.is-info { background: var(--sky-2); color: var(--navy); border-color: #CFE2FB; }
.form-alert a { color: inherit; }
.hp { position: absolute !important; left: -9999px; width: 1px; height: 1px; overflow: hidden; }
.form-ok { grid-column: 1 / -1; display: grid; gap: .9rem; justify-items: start; padding-block: .6rem; animation: fade .25s ease-out; }
.ok-ic { width: 60px; height: 60px; border-radius: 50%; background: var(--good-bg); color: var(--good); display: grid; place-items: center; }
.ok-ic svg { width: 30px; height: 30px; }
.form-ok h3 { font-size: 1.5rem; }
.form-ok p { color: var(--ink-2); }
.form-ok .hero-cta { margin-top: .4rem; }
@media (max-width: 520px) { .form { grid-template-columns: 1fr; } }

/* ---------- Footer ---------- */
.site-foot { background: var(--night); color: #AFC1D6; padding-block: clamp(3rem, 6vw, 4rem) 2.5rem; font-size: .93rem; }
.foot-grid { display: grid; grid-template-columns: minmax(0, 1.45fr) repeat(4, minmax(0, .8fr)); gap: 2.2rem 2.5rem; }
.site-foot .brand { margin-bottom: 1rem; }
.site-foot .brand .brand-logo { height: 46px; }
.foot-brand > p { max-width: 22rem; }
.foot-contact { display: grid; gap: .5rem; margin-top: 1.1rem; }
.foot-contact a { display: inline-flex; align-items: center; gap: .55rem; width: max-content; max-width: 100%; }
.foot-contact svg { width: 17px; height: 17px; color: #7DBBFF; flex: none; }
.foot-contact span { overflow-wrap: anywhere; }
.foot-h { margin: 0 0 1rem; font: 700 .7rem/1.2 var(--f-display); letter-spacing: .14em; text-transform: uppercase; color: #7F95AE; }
.foot-links { display: grid; gap: .62rem; }
.site-foot a { color: #fff; text-decoration: none; }
.site-foot a:hover { text-decoration: underline; }
.foot-links .foot-more { color: #9CCBFF; font-weight: 600; }
.ledger { margin: 0; display: grid; gap: .9rem; }
.ledger dt { font: 700 .68rem/1.2 var(--f-display); letter-spacing: .12em; text-transform: uppercase; color: #7F95AE; margin-bottom: .3rem; }
.ledger dd { margin: 0; color: #fff; font: 500 .92rem/1.3 var(--f-data); }
.foot-nmls { margin-top: 1rem; }
.eho { display: flex; align-items: center; gap: .75rem; margin-top: 1.3rem; color: #fff; font-weight: 600; }
.eho svg { width: 40px; height: 40px; flex: none; }
.legal { grid-column: 1 / -1; border-top: 1px solid rgba(255,255,255,.12); padding-top: 1.5rem; display: grid; gap: .6rem; font-size: .82rem; color: #8FA3BA; line-height: 1.55; }
@media (max-width: 1080px) { .foot-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } .foot-brand { grid-column: 1 / -1; } }
@media (max-width: 460px) { .foot-grid { grid-template-columns: 1fr; } }

/* ---------- Loan officer page ---------- */
.lo-hero { padding-block: clamp(2.5rem, 6vw, 4.5rem); position: relative; isolation: isolate; overflow: hidden; }
.lo-hero::before { content: ""; position: absolute; inset: 0 auto 0 0; width: 42%; background: var(--mist); border-bottom-right-radius: 56px; z-index: -1; }
.lo-hero-grid { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(2rem, 5vw, 4.5rem); align-items: center; }
.lo-portrait { position: relative; aspect-ratio: 4 / 5; max-width: 100%; border-radius: 22px; overflow: hidden; background: var(--sky); }
.lo-portrait .cols { position: absolute; inset: auto 8% 0 8%; height: 62%; display: grid; grid-template-columns: 1.1fr .8fr .8fr; gap: 12px; align-items: end; }
.lo-portrait .cols i { display: block; clip-path: polygon(0 0, 100% 9%, 100% 100%, 0 100%); }
.lo-portrait .cols i:nth-child(1) { height: 100%; background: #06478A; }
.lo-portrait .cols i:nth-child(2) { height: 82%; background: #2088F8; }
.lo-portrait .cols i:nth-child(3) { height: 64%; background: color-mix(in srgb, #2088F8 40%, var(--sky)); }
.lo-portrait-img { position: absolute; bottom: 0; left: 50%; transform: translateX(-50%); height: 94%; width: auto; max-width: none; }
.lo-portrait-img.monogram { inset: 0; transform: none; width: 100%; height: 100%; font-size: 8rem; }
.lo-intro { display: grid; gap: 1.1rem; }
.lo-title { font: 700 1.25rem/1.3 var(--f-display); color: var(--blue-ink); margin-top: -.3rem; letter-spacing: -0.01em; }
.lo-facts { margin: 0; display: flex; flex-wrap: wrap; column-gap: 2.5rem; border-block: 1px solid var(--line); }
.lo-facts div { padding: .9rem 0; }
.lo-facts dt { font: 700 .68rem/1.2 var(--f-display); letter-spacing: .12em; text-transform: uppercase; color: var(--ink-3); margin-bottom: .35rem; }
.lo-facts dd { margin: 0; font-weight: 600; white-space: nowrap; }
.lo-facts dd a { color: var(--ink); text-decoration: none; }
.lo-bio { display: grid; gap: .9rem; color: var(--ink-2); max-width: 38rem; font-size: 1.08rem; }
.lo-strip { padding-block: 2.2rem; }
.lo-strip-row { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: center; gap: 1rem 2rem; }
.lo-strip p { color: var(--ink-2); }
.h3like { font-size: 1.35rem; margin-bottom: .25rem; }
@media (max-width: 820px) { .lo-hero-grid { grid-template-columns: 1fr; } .lo-portrait { max-width: 380px; } .lo-hero::before { display: none; } }
@media (max-width: 600px) { .lo-facts { flex-direction: column; } .lo-facts div + div { border-top: 1px solid var(--line); } .lo-facts dd { white-space: normal; overflow-wrap: anywhere; } }

/* ---------- Utility pages ---------- */
.doc { max-width: 46rem; margin-inline: auto; padding-block: 3rem 5rem; display: grid; gap: 1.1rem; }
.doc h1 { font-size: clamp(2.2rem, 4vw, 2.8rem); }
.doc h2 { font-size: 1.35rem; margin-top: 1.1rem; }
.doc .doc-h1 { font-size: clamp(2rem, 3.6vw, 2.5rem); margin-top: 0; }
.doc-es { display: grid; gap: 1.1rem; }
.doc p, .doc li { color: var(--ink-2); }
.doc hr { border: 0; border-top: 1px solid var(--line); margin: 1.5rem 0; width: 100%; }
.nf { position: relative; isolation: isolate; overflow: hidden; background: var(--mist); min-height: 62vh; display: grid; align-items: center; }
.nf-inner { display: grid; gap: 1.1rem; justify-items: start; }
.nf-code { font: 600 1rem/1 var(--f-data); color: var(--blue-ink); background: var(--paper); border: 1px solid var(--line-2); border-radius: 8px; padding: .5rem .7rem; }
.nf-links { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .7rem; width: min(640px, 100%); margin-top: .8rem; }
@media (max-width: 560px) { .nf-links { grid-template-columns: 1fr; } }
.thanks { background: var(--mist); min-height: 60vh; display: grid; align-items: center; }
.thanks-inner { display: grid; gap: 1.1rem; justify-items: start; max-width: 44rem; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; animation: none !important; }
}

@media print {
  .site-head, .site-foot, .lead, .skip, .crumbs, .hero-cta, .toc, .g-cta, .docs-btns, .p-motif { display: none !important; }
  body { font-size: 11pt; }
  section { padding-block: 1.2rem; }
  .band, .p-hero, .g-hero { background: #fff !important; }
  body.printing-docs main > *:not(.p-docs) { display: none !important; }
  body.printing-docs .p-docs { padding: 0; }
  body.printing-docs .docs-top .sec-head p:not(.eyebrow) { display: none; }
  .print-only { display: block; }
  .print-title { font: 700 10pt/1.3 var(--f-display); color: #555; margin-bottom: 1rem; }
  .docs-grid { grid-template-columns: 1fr 1fr 1fr; }
  .docs-col { break-inside: avoid; border-color: #bbb; }
  .check input { -webkit-print-color-adjust: exact; print-color-adjust: exact; }
}
@media (max-width: 480px) {
  .p-hero .hero-cta .btn, .lo-intro .hero-cta .btn, .thanks .hero-cta .btn { flex: 1 1 100%; }
}
.p-hero h1.is-long { font-size: clamp(2.2rem, 3.9vw, 3.3rem); max-width: 16em; }
.g-body section { padding-block: 0; }
.gi-hero .wrap { display: grid; gap: 1.2rem; }
@media (max-width: 640px) {
  .g-table-wrap { overflow: visible; border: 0; border-radius: 0; }
  .g-table { min-width: 0; display: block; }
  .g-table thead { display: none; }
  .g-table tbody { display: grid; gap: .75rem; }
  .g-table tr { display: block; border: 1px solid var(--line); border-radius: 14px; overflow: hidden; background: var(--paper); }
  .g-table tbody th { display: block; background: var(--mist); padding: .75rem 1rem; border-bottom: 1px solid var(--line); }
  .g-table td { display: block; border-bottom: 1px solid var(--line); padding: .7rem 1rem; }
  .g-table tr > :last-child { border-bottom: 0; }
  .g-table td::before { content: attr(data-label); display: block; font: 700 .68rem/1.3 var(--f-display); letter-spacing: .1em; text-transform: uppercase; color: var(--ink-3); margin-bottom: .2rem; }
}