/* Harmony Home Loans, concept B "Clear Path": site styles.
   Brand-faithful: their royal blue, hero blue, navy and pale tints, Poppins headings. One bright accent (signal yellow)
   for highlights only; it is never used as text on white. All colors are variables. */
:root {
  /* ===== Default palette: "Harmony Blue" (their current brand). Other palettes in css/palette.css swap these tokens. ===== */
  --bg: #FFFFFF; --bg-rgb: 255, 255, 255;
  --surface: #FFFFFF;                    /* cards, fields, panels */
  --tint: #EFF3FF;                       /* their pale tint */
  --tint-2: #F7F9FF;                     /* their lightest tint: section bands */
  --tint-hover: #DFE7FF;
  --line: #D9E1F5; --line-2: #BCC8EA;
  --ink: #0E1A3A;                        /* headings */
  --text: #29344F;                       /* body text */
  --muted: #4F5B78;                      /* secondary text */
  --muted-2: #5F6B86;                    /* placeholders like "Not yet" */
  --brand-sub: #5A6680;                  /* "HOME LOANS" under the wordmark */
  --primary: #003AE9; --primary-rgb: 0, 58, 233;   /* their kit primary: buttons, links, icons */
  --primary-hover: #0029B0;
  --primary-2: #3D6BFF;                  /* progress bar gradient end */
  --on-primary: #FFFFFF; --on-primary-soft: #DCE5FF;
  --hero: #0B1F70;                       /* deep royal: the same hue as #003AE9, used for every large dark surface */
  --hero-mid: #0A1C68; --hero-end: #08185C; --hero-glow: #1D40C8;   /* a subtle royal glow */
  --on-hero: #FFFFFF; --on-hero-rgb: 255, 255, 255; --on-hero-soft: #E6ECFF; --on-hero-muted: #DCE5FF;
  --hero-em: #FFC845;                    /* the highlighted words in the hero headline */
  --deep: #0B1F70; --deep-rgb: 11, 31, 112;   /* = --hero: founders band, estimate panel, CTA band, footer */
  --deep-2: #152C8A;
  --on-deep: #FFFFFF; --on-deep-rgb: 214, 224, 255; --on-deep-soft: #D3DEFF; --on-deep-link: #B9CCFF; --on-deep-faint: #AFC0EA;
  --accent: #FFC845; --accent-hover: #FFB81C; --on-accent: #0B1F70;   /* signal yellow: highlights + CTAs on blue/navy */
  --star: #E8A100;
  --ok: #0B7A55;
  --err: #B3122A; --err-soft: #FFF1F3; --err-line: #E9A2AD; --on-err: #FFFFFF;
  --sw-tax: #7FA2FF; --sw-ins: #C9B8FF; --sw-hoa: #8FE3C8;   /* calculator breakdown dots (on --deep) */
  --shadow-rgb: 8, 22, 80;
  --focus: #003AE9; --focus-on-dark: #FFC845;
  /* ===== end palette tokens ===== */
  --radius: 18px;
  --radius-sm: 12px;
  --shadow: 0 1px 2px rgba(var(--shadow-rgb), .06), 0 10px 30px rgba(var(--shadow-rgb), .08);
  --shadow-lg: 0 2px 4px rgba(var(--shadow-rgb), .08), 0 24px 60px rgba(var(--shadow-rgb), .18);
  --font-h: 'Poppins', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --font-b: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif;
  --gutter: 24px;
  --header-h: 76px;
}

*, *::before, *::after { box-sizing: border-box; }
[hidden] { display: none !important; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: calc(var(--header-h) + 16px); }
@media (prefers-reduced-motion: no-preference) { html { scroll-behavior: smooth; } }
body { margin: 0; font-family: var(--font-b); font-size: 1.0625rem; line-height: 1.6; color: var(--text); background: var(--bg); overflow-x: hidden; }
img { max-width: 100%; height: auto; display: block; }
h1, h2, h3, h4 { font-family: var(--font-h); color: var(--ink); line-height: 1.2; margin: 0 0 .5em; letter-spacing: -.01em; }
h1 { font-weight: 800; }
h2 { font-weight: 700; font-size: clamp(1.75rem, 1.2rem + 2vw, 2.5rem); }
h3 { font-weight: 700; font-size: 1.2rem; }
h4 { font-weight: 600; font-size: 1rem; }
p { margin: 0 0 1em; }
a { color: var(--primary); text-underline-offset: .18em; }
a:hover { color: var(--primary-hover); }
ul, ol { margin: 0; padding: 0; }
address { font-style: normal; }
abbr[title] { text-decoration: none; }
:focus-visible { outline: 3px solid var(--focus); outline-offset: 3px; border-radius: 4px; }
.hero, .sec-navy, .final, .site-footer, .page-hero, .calc-out, .help-card { --focus: var(--focus-on-dark); }

.wrap { width: 100%; max-width: 1200px; margin: 0 auto; padding: 0 var(--gutter); }
@media (max-width: 479px) { :root { --gutter: 16px; } }

.icon { width: 1.25em; height: 1.25em; flex: none; fill: none; stroke: currentColor; stroke-width: 2; stroke-linecap: round; stroke-linejoin: round; vertical-align: middle; }
.sprite { position: absolute; width: 0; height: 0; overflow: hidden; }
.sr-only { position: absolute !important; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0; }
.skip { position: absolute; left: 12px; top: -60px; z-index: 100; background: var(--deep); color: var(--on-deep); padding: 12px 18px; border-radius: 10px; font-weight: 600; }
.skip:focus { top: 12px; color: var(--on-deep); }
.stars { display: inline-flex; gap: 2px; color: var(--accent); }
.stars .icon { fill: currentColor; stroke: none; width: 1.05em; height: 1.05em; }

/* ---------- buttons ---------- */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: .55em; min-height: 48px; padding: 0 1.4em; border-radius: 999px; border: 2px solid transparent;
  font-family: var(--font-h); font-weight: 600; font-size: 1rem; line-height: 1.1; text-decoration: none; cursor: pointer; white-space: nowrap;
  transition: background-color .15s, color .15s, border-color .15s, transform .15s, box-shadow .15s; }
.btn .icon { width: 1.15em; height: 1.15em; }
.btn:hover { transform: translateY(-1px); }
.btn-primary { background: var(--primary); color: var(--on-primary); box-shadow: 0 6px 16px rgba(var(--primary-rgb), .25); }
.btn-primary:hover { background: var(--primary-hover); color: var(--on-primary); }
.btn-accent { background: var(--accent); color: var(--on-accent); box-shadow: 0 6px 18px rgba(var(--shadow-rgb), .3); }
.btn-accent:hover { background: var(--accent-hover); color: var(--on-accent); }
.btn-line { background: var(--surface); color: var(--primary); border-color: var(--primary); }
.btn-line:hover { background: var(--tint); color: var(--primary-hover); }
.btn-onblue { background: rgba(var(--on-hero-rgb), .08); color: var(--on-hero); border-color: rgba(var(--on-hero-rgb), .7); }
.btn-onblue:hover { background: rgba(var(--on-hero-rgb), .18); color: var(--on-hero); }
.btn-lg { min-height: 56px; font-size: 1.0625rem; padding: 0 1.6em; }
.btn-block { width: 100%; }
@media (prefers-reduced-motion: reduce) { .btn, .btn:hover { transition: none; transform: none; } }
.link-arrow { display: inline-flex; align-items: center; gap: .4em; font-family: var(--font-h); font-weight: 600; text-decoration: none; min-height: 44px; }
.link-arrow:hover .icon { transform: translateX(3px); }
.link-arrow .icon { transition: transform .15s; }

.eyebrow { display: inline-flex; align-items: center; gap: .6em; font-family: var(--font-h); font-weight: 600; font-size: .8125rem; letter-spacing: .12em; text-transform: uppercase; color: var(--primary); margin-bottom: .9em; }
.eyebrow::before { content: ""; width: 22px; height: 4px; border-radius: 4px; background: var(--accent); }
.eyebrow-light { color: var(--on-hero); }

/* ---------- top bar + header ---------- */
.site-header { position: sticky; top: 0; z-index: 40; background: rgba(var(--bg-rgb), .97); border-bottom: 1px solid var(--line); backdrop-filter: saturate(1.4) blur(8px); }
.hdr { display: flex; align-items: center; gap: 24px; min-height: var(--header-h); }
.brand { display: flex; align-items: stretch; gap: 11px; flex: none; margin-right: auto; }
/* the H mark spans the whole lockup: from the top of "HARMONY" to the NMLS line */
.brand { --logo-h: 54px; }   /* = the height of the HARMONY / HOME LOANS / NMLS block */
.brand-ic { display: block; flex: none; align-self: center; height: var(--logo-h); width: calc(var(--logo-h) * 394 / 518); }
.brand-ic img { width: 100%; height: 100%; }
.brand-txt { display: flex; flex-direction: column; align-items: flex-start; }
.brand-word { display: flex; flex-direction: column; line-height: 1; text-decoration: none; }
.brand-word .b1 { font-family: var(--font-h); font-weight: 800; font-size: 1.35rem; line-height: .8; letter-spacing: .04em; text-transform: uppercase; color: var(--primary); }
.brand-word .b2 { font-family: var(--font-h); font-weight: 600; font-size: .66rem; letter-spacing: .32em; text-transform: uppercase; color: var(--brand-sub); margin-top: 6px; }
.brand-nmls { margin-top: 5px; font: 600 .72rem/1.2 var(--font-b); letter-spacing: .03em; color: var(--muted); text-decoration: none; padding: 1px 0; }
.brand-nmls:hover { color: var(--primary); text-decoration: underline; }
.site-nav { display: flex; align-items: center; gap: 22px; }
.site-nav ul { display: flex; gap: 4px; list-style: none; }
.site-nav ul a { display: inline-flex; align-items: center; min-height: 44px; padding: 0 10px; color: var(--ink); font-weight: 500; font-size: .975rem; text-decoration: none; border-radius: 8px; }
.site-nav ul a:hover { color: var(--primary); background: var(--tint); }
.site-nav ul a[aria-current="page"] { color: var(--primary); box-shadow: inset 0 -3px 0 var(--accent); border-radius: 0; }
.nav-cta { display: flex; gap: 10px; }
.nav-cta .btn { min-height: 44px; padding: 0 1.1em; font-size: .95rem; }
.nav-toggle { display: none; align-items: center; gap: 8px; min-height: 44px; padding: 0 14px; border: 2px solid var(--line-2); border-radius: 999px; background: var(--surface); color: var(--ink); font: 600 .95rem var(--font-h); cursor: pointer; }
@media (max-width: 1239px) {
  .nav-toggle { display: inline-flex; }
  .site-nav { display: none; position: absolute; left: 0; right: 0; top: 100%; flex-direction: column; align-items: stretch; gap: 16px; padding: 16px var(--gutter) 24px;
    background: var(--surface); border-bottom: 1px solid var(--line); box-shadow: 0 18px 30px rgba(var(--shadow-rgb), .12); max-height: calc(100vh - 120px); overflow: auto; }
  .site-nav.open { display: flex; }
  .site-nav ul { flex-direction: column; }
  .site-nav ul a { width: 100%; padding: 0 12px; font-size: 1.05rem; }
  .nav-cta { flex-direction: column; }
  .nav-cta .btn { min-height: 52px; }
}
@media (max-width: 379px) { .brand { --logo-h: 50px; } .brand-word .b1 { font-size: 1.15rem; } .brand-word .b2 { font-size: .58rem; letter-spacing: .26em; } .nav-toggle span { display: none; } }

/* ---------- hero ---------- */
.hero { position: relative; overflow: hidden; color: var(--on-hero); background: radial-gradient(1200px 600px at 85% 10%, var(--hero-glow) 0%, transparent 60%), linear-gradient(160deg, var(--hero) 0%, var(--hero-mid) 60%, var(--hero-end) 100%); }
.hero-bg { position: absolute; inset: 0; pointer-events: none; }
.hero-path { position: absolute; inset: 0; width: 100%; height: 100%; }
.hero-path path { fill: none; stroke: rgba(var(--on-hero-rgb), .14); stroke-width: 3; stroke-dasharray: 2 14; stroke-linecap: round; }
.hero-grid { position: relative; display: grid; gap: 40px; padding-top: 64px; padding-bottom: 72px; align-items: center; }
@media (min-width: 980px) { .hero-grid { grid-template-columns: 1.05fr .95fr; gap: 56px; padding-top: 80px; padding-bottom: 96px; } }
.hero h1 { color: var(--on-hero); font-size: clamp(2.35rem, 1.4rem + 4vw, 4.1rem); line-height: 1.05; letter-spacing: -.025em; margin-bottom: .4em; }
.hero h1 .hl { color: var(--hero-em); display: inline-block; }
.hero .lede { font-size: clamp(1.08rem, 1rem + .4vw, 1.25rem); color: var(--on-hero-soft); max-width: 34em; }
.hero-ctas { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0 24px; }
.hero-trust { list-style: none; display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: .95rem; color: var(--on-hero-soft); }
.hero-trust li { display: inline-flex; align-items: center; gap: 8px; }
.hero-trust li + li::before { content: ""; width: 5px; height: 5px; border-radius: 50%; background: var(--accent); margin-right: 4px; }
.hero-team { display: flex; align-items: center; gap: 14px; margin-top: 26px; padding-top: 22px; border-top: 1px solid rgba(var(--on-hero-rgb), .18); }
.hero-team p { margin: 0; color: var(--on-hero-soft); font-size: .975rem; }
.hero-team strong { color: var(--on-hero); }
.faces { display: inline-flex; flex: none; }
.faces img { width: 48px; height: 48px; border-radius: 50%; object-fit: cover; border: 3px solid var(--hero); }
.faces img + img { margin-left: -12px; }
@media (max-width: 559px) { .hero-ctas .btn { width: 100%; } }
/* phones and tablets: the goal question comes right after the headline, before the buttons and trust lines */
@media (max-width: 979px) {
  .hero-copy { display: contents; }
  .hero-grid { gap: 0; padding-top: 40px; padding-bottom: 48px; }
  .hero-quiz { order: 4; margin: 20px 0 4px; }
  .hero-ctas { order: 5; } .hero-trust { order: 6; } .hero-team { order: 7; }
  .hero .lede { margin-bottom: 0; }
}

.hq-card { background: var(--surface); color: var(--text); border-radius: 24px; padding: 28px; box-shadow: var(--shadow-lg); }
@media (max-width: 479px) { .hq-card { padding: 22px 18px; border-radius: 20px; } }
.hq-step { display: inline-flex; align-items: center; gap: 8px; font-size: .85rem; font-weight: 600; color: var(--muted); margin-bottom: 10px; }
.hq-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--primary); box-shadow: 0 0 0 4px var(--tint); }
.hq-card h2 { font-size: clamp(1.4rem, 1.2rem + .8vw, 1.75rem); margin-bottom: 18px; }
.hq-goals { list-style: none; display: grid; gap: 12px; }
.hq-goals a { display: flex; align-items: center; gap: 14px; padding: 14px 16px; min-height: 72px; border: 2px solid var(--line); border-radius: 16px; text-decoration: none; color: var(--ink); background: var(--surface); transition: border-color .15s, background-color .15s, transform .15s; }
.hq-goals a:hover { border-color: var(--primary); background: var(--tint-2); transform: translateX(2px); }
.hq-goals .gi { width: 46px; height: 46px; border-radius: 12px; display: grid; place-items: center; background: var(--tint); color: var(--primary); flex: none; }
.hq-goals .gi .icon { width: 24px; height: 24px; }
.hq-goals .gt { display: flex; flex-direction: column; flex: 1; min-width: 0; }
.hq-goals strong { font-family: var(--font-h); font-weight: 600; font-size: 1.08rem; }
.hq-goals small { color: var(--muted); font-size: .9rem; }
.hq-goals .go { color: var(--primary); }
.hq-note { display: flex; align-items: center; gap: 8px; margin: 16px 0 0; font-size: .875rem; color: var(--muted); }
.hq-note .icon { color: var(--ok); }
@media (prefers-reduced-motion: reduce) { .hq-goals a, .hq-goals a:hover { transition: none; transform: none; } }

/* ---------- sections ---------- */
.sec { padding: 88px 0; }
.sec-tight { padding: 48px 0; }
@media (max-width: 719px) { .sec { padding: 64px 0; } .sec-tight { padding: 36px 0; } }
.sec-tint { background: var(--tint-2); border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.sec-navy { background: var(--deep); color: var(--on-deep-soft); }
.sec-navy h2, .sec-navy h3 { color: var(--on-deep); }
.sec-navy a:not(.btn) { color: var(--on-deep-link); }
.sec-head { max-width: 720px; margin-bottom: 40px; }
.sec-head p:last-child { margin-bottom: 0; }
.sec-head > p:not(.eyebrow) { font-size: 1.1rem; color: var(--muted); }
.sec-head-row { max-width: none; display: flex; align-items: flex-end; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.ticks { list-style: none; display: grid; gap: 10px; }
.ticks li { display: flex; gap: 10px; align-items: flex-start; }
.ticks .icon { color: var(--primary); margin-top: .15em; stroke-width: 2.6; }
.dots { list-style: none; display: grid; gap: 10px; }
.dots li { position: relative; padding-left: 20px; }
.dots li::before { content: ""; position: absolute; left: 2px; top: .6em; width: 7px; height: 7px; border-radius: 50%; background: var(--accent-hover); }

/* ---------- reviews carousel ---------- */
.reviews { background: var(--tint-2); padding: 56px 0 64px; border-bottom: 1px solid var(--line); }
.rv-head { display: flex; align-items: center; justify-content: space-between; gap: 12px 24px; flex-wrap: wrap; margin-bottom: 24px; }
.rv-score { display: flex; align-items: center; flex-wrap: wrap; gap: 6px 10px; margin: 0; font-size: clamp(1.2rem, 1rem + 1vw, 1.6rem); }
.g-logo svg { width: 30px; height: 30px; display: block; }
.rv-num { font-weight: 800; }
.rv-score .stars .icon { width: 1.1em; height: 1.1em; }
.rv-score .stars { color: var(--star); }
.rv-count { font-weight: 600; color: var(--ink); }
.rv-all { display: inline-flex; align-items: center; gap: 6px; font-weight: 600; min-height: 44px; }
.rv-all .icon { width: 1em; height: 1em; }
.rc { position: relative; }
.rc-viewport { overflow-x: auto; scroll-snap-type: x mandatory; scrollbar-width: none; border-radius: var(--radius); margin: -6px; padding: 6px; }
.rc-viewport::-webkit-scrollbar { display: none; }
.rc-track { list-style: none; display: flex; gap: 20px; }
.rc-card { position: relative; flex: 0 0 calc((100% - 40px) / 3); scroll-snap-align: start; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: flex; flex-direction: column; gap: 12px; box-shadow: 0 1px 2px rgba(var(--shadow-rgb), .04); }
@media (max-width: 1023px) { .rc-card { flex-basis: calc((100% - 20px) / 2); } }
@media (max-width: 639px) { .rc-card { flex-basis: 100%; } }
.rc-stars { display: flex; gap: 2px; color: var(--star); }
.rc-stars svg { width: 18px; height: 18px; fill: currentColor; }
.rc-text { margin: 0; color: var(--text); display: -webkit-box; -webkit-line-clamp: 4; -webkit-box-orient: vertical; overflow: hidden; white-space: pre-line; }
.rc-card.open .rc-text { -webkit-line-clamp: unset; display: block; }
.rc-more { align-self: flex-start; background: none; border: 0; padding: 0 2px; min-height: 44px; margin: -10px 0 -8px; color: var(--primary); font: 600 .95rem var(--font-b); cursor: pointer; text-decoration: underline; text-underline-offset: .2em; }
.rc-who { display: flex; align-items: center; gap: 12px; margin-top: auto; padding-top: 6px; }
.rc-av { width: 40px; height: 40px; border-radius: 50%; display: grid; place-items: center; background: var(--tint); color: var(--primary); font: 700 1rem var(--font-h); flex: none; }
.rc-who strong { display: block; color: var(--ink); font-size: .975rem; }
.rc-who small { color: var(--muted); font-size: .85rem; }
.rc-g { margin-left: auto; }
.rc-g svg { width: 20px; height: 20px; display: block; }
.rc-ctrls { display: flex; align-items: center; justify-content: center; gap: 16px; margin-top: 20px; }
.rc-btn { width: 48px; height: 48px; border-radius: 50%; border: 2px solid var(--line-2); background: var(--surface); color: var(--primary); display: grid; place-items: center; cursor: pointer; }
.rc-btn:hover { border-color: var(--primary); background: var(--tint); }
.rc-pos { margin: 0; min-width: 7em; text-align: center; font-weight: 600; color: var(--muted); font-variant-numeric: tabular-nums; }

/* ---------- loan groups ---------- */
.groups { display: grid; gap: 20px; }
@media (min-width: 640px) { .groups { grid-template-columns: repeat(2, 1fr); } }
@media (min-width: 1140px) { .groups { grid-template-columns: repeat(4, 1fr); } }
.group { display: flex; flex-direction: column; background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 26px; box-shadow: var(--shadow); }
.g-ico { width: 52px; height: 52px; display: grid; place-items: center; border-radius: 14px; background: var(--tint); color: var(--primary); margin-bottom: 16px; }
.g-ico .icon { width: 26px; height: 26px; }
.group h3 { font-size: 1.25rem; margin-bottom: .35em; }
.group > p { color: var(--muted); font-size: .975rem; }
.g-list { list-style: none; margin: 4px 0 20px; border-top: 1px solid var(--line); }
.g-list li { border-bottom: 1px solid var(--line); }
.g-list a { display: flex; align-items: center; justify-content: space-between; min-height: 46px; color: var(--ink); text-decoration: none; font-weight: 500; }
.g-list a::after { content: ""; width: 8px; height: 8px; border-right: 2px solid var(--primary); border-top: 2px solid var(--primary); transform: rotate(45deg); margin-right: 4px; }
.g-list a:hover { color: var(--primary); }
.g-cta { margin-top: auto; display: inline-flex; align-items: center; gap: 8px; font-family: var(--font-h); font-weight: 600; text-decoration: none; min-height: 44px; }

/* ---------- calculator ---------- */
.calc-grid { display: grid; gap: 40px; }
@media (min-width: 1100px) { .calc-grid { grid-template-columns: .75fr 1.6fr; align-items: start; } .calc-intro { position: sticky; top: calc(var(--header-h) + 32px); } }
.calc-intro p:not(.eyebrow) { color: var(--muted); font-size: 1.1rem; }
.calc { display: grid; background: var(--surface); border: 1px solid var(--line); border-radius: 24px; box-shadow: var(--shadow); overflow: hidden; }
@media (min-width: 760px) { .calc { grid-template-columns: 1.1fr 1fr; } }
.calc-fields { padding: 28px; display: grid; gap: 18px; align-content: start; }
@media (max-width: 479px) { .calc-fields { padding: 22px 16px; } }
.cf { border: 0; margin: 0; padding: 0; min-width: 0; }
.cf label, .cf legend, .cf-row > label { display: block; font-weight: 600; color: var(--ink); margin-bottom: 8px; padding: 0; font-size: .975rem; }
.cf-row { display: flex; align-items: center; justify-content: space-between; gap: 10px; margin-bottom: 8px; }
.cf-row > label { margin: 0; }
.opt { font-weight: 400; color: var(--muted); font-size: .875rem; }
.inp { display: flex; align-items: center; border: 1.5px solid var(--line-2); border-radius: var(--radius-sm); background: var(--surface); min-height: 52px; padding: 0 14px; transition: border-color .15s, box-shadow .15s; }
.inp:focus-within { border-color: var(--primary); box-shadow: 0 0 0 4px rgba(var(--primary-rgb), .14); }
.inp input { flex: 1; min-width: 0; border: 0; outline: 0; background: transparent; font: 500 1.0625rem var(--font-b); color: var(--ink); padding: 12px 6px; }
.inp .pre, .inp .post { color: var(--muted); font-weight: 600; }
.inp.bad { border-color: var(--err); }
.c-note { font-size: .85rem; color: var(--muted); margin: 6px 0 0; }
.c-note:empty { display: none; }
.c-err { font-size: .875rem; color: var(--err); font-weight: 600; margin: 6px 0 0; }
.mini-seg { display: inline-flex; border: 1.5px solid var(--line-2); border-radius: 999px; padding: 3px; gap: 2px; }
.mini-seg label { margin: 0; position: relative; }
.mini-seg input { position: absolute; opacity: 0; inset: 0; margin: 0; cursor: pointer; }
.mini-seg span { display: grid; place-items: center; min-width: 44px; min-height: 36px; border-radius: 999px; font-weight: 700; color: var(--muted); font-size: .95rem; }
.mini-seg input:checked + span { background: var(--primary); color: var(--on-primary); }
.mini-seg input:focus-visible + span { outline: 3px solid var(--focus); outline-offset: 2px; }
.cf-more { border-top: 1px solid var(--line); padding-top: 6px; }
.cf-more summary { display: flex; align-items: center; gap: 8px; min-height: 48px; cursor: pointer; font-weight: 600; color: var(--primary); list-style: none; }
.cf-more summary::-webkit-details-marker { display: none; }
.cf-more summary::before { content: "+"; display: grid; place-items: center; width: 26px; height: 26px; border-radius: 50%; background: var(--tint); font-weight: 700; }
.cf-more[open] summary::before { content: "\2212"; }
.cf-more-in { display: grid; gap: 16px; padding-top: 8px; }
.calc-out { background: var(--deep); color: var(--on-deep-soft); padding: 28px; display: flex; flex-direction: column; gap: 16px; }
@media (max-width: 479px) { .calc-out { padding: 24px 16px; } }
.calc-out h3 { color: var(--on-deep); font-size: 1.05rem; margin: 0; letter-spacing: .02em; }
.calc-empty { margin: 0; padding: 22px; border: 1.5px dashed rgba(var(--on-deep-rgb), .45); border-radius: var(--radius-sm); color: var(--on-deep-soft); }
.calc-total { margin: 0 0 14px; display: flex; flex-direction: column; }
.calc-total .lbl { font-size: .9rem; color: var(--on-deep-soft); }
.calc-total .val { font-family: var(--font-h); font-weight: 800; font-size: clamp(2.2rem, 1.8rem + 2vw, 3rem); color: var(--on-deep); line-height: 1.1; font-variant-numeric: tabular-nums; }
.calc-total .val small { font-size: .45em; font-weight: 600; color: var(--on-deep-soft); margin-left: 4px; }
.calc-rows { margin: 0; display: grid; gap: 2px; }
.calc-rows > div { display: flex; justify-content: space-between; gap: 12px; padding: 9px 0; border-bottom: 1px solid rgba(var(--on-deep-rgb), .16); }
.calc-rows dt { display: flex; align-items: center; gap: 10px; }
.calc-rows dd { margin: 0; font-weight: 600; color: var(--on-deep); font-variant-numeric: tabular-nums; }
.calc-rows .calc-loan { border-bottom: 0; color: var(--on-deep-soft); font-size: .925rem; }
.calc-rows .calc-loan dd { color: var(--on-deep-soft); font-weight: 500; }
.sw { width: 10px; height: 10px; border-radius: 3px; flex: none; }
.sw-pi { background: var(--accent); } .sw-tax { background: var(--sw-tax); } .sw-ins { background: var(--sw-ins); } .sw-hoa { background: var(--sw-hoa); }
.calc-disc { margin: 0; font-size: .875rem; color: var(--on-deep-soft); line-height: 1.5; }
.calc-disc strong { color: var(--on-deep); font-weight: 600; }
.calc-out .btn-primary { background: var(--accent); color: var(--on-accent); box-shadow: none; white-space: normal; text-align: center; padding: 12px 1.2em; }
.calc-out .btn-primary:hover { background: var(--accent-hover); color: var(--on-accent); }

/* ---------- the path (their 4-step process) ---------- */
.path-sec { overflow: hidden; }
.path { list-style: none; position: relative; display: grid; gap: 28px; counter-reset: none; }
.path::before { content: ""; position: absolute; left: 27px; top: 28px; bottom: 28px; width: 4px; border-radius: 4px;
  background: linear-gradient(var(--accent), var(--primary) 18%, var(--primary) 82%, var(--accent)); }
.path li { position: relative; display: grid; grid-template-columns: 58px 1fr; gap: 18px; align-items: start; }
.path .node, .path .pin { position: relative; z-index: 1; width: 58px; height: 58px; border-radius: 50%; display: grid; place-items: center; font: 800 1.35rem var(--font-h); }
.path .node { background: var(--primary); color: var(--on-primary); box-shadow: 0 0 0 6px var(--bg), 0 8px 20px rgba(var(--primary-rgb), .3); }
.path .pin { background: var(--accent); color: var(--on-accent); box-shadow: 0 0 0 6px var(--bg); }
.path .pin .icon { width: 26px; height: 26px; stroke-width: 2.2; }
.path h3 { font-size: 1.12rem; margin: 12px 0 .3em; }
.path p { margin: 0; color: var(--muted); font-size: .975rem; }
.path-start h3, .path-end h3 { color: var(--primary); }
@media (min-width: 1024px) {
  .path { grid-template-columns: .8fr repeat(4, 1fr) .8fr; gap: 20px; }
  .path::before { left: 6%; right: 6%; top: 27px; bottom: auto; height: 4px; width: auto; background: linear-gradient(90deg, var(--accent), var(--primary) 14%, var(--primary) 86%, var(--accent)); }
  .path li { grid-template-columns: 1fr; text-align: center; justify-items: center; gap: 6px; }
  .path h3 { margin-top: 14px; }
  .path-6 { grid-template-columns: repeat(6, 1fr); }
  .path-6::before { left: 8%; right: 8%; background: var(--primary); }
}
.path-6::before { background: var(--primary); }
.path-cta { display: flex; flex-wrap: wrap; align-items: center; gap: 16px 28px; margin-top: 48px; padding: 24px 28px; border-radius: var(--radius); background: var(--tint); }
.path-cta p { margin: 0; color: var(--ink); font-weight: 500; }

/* ---------- team ---------- */
.team-grid { display: grid; gap: 40px; align-items: center; }
@media (min-width: 960px) { .team-grid { grid-template-columns: 1fr 1fr; gap: 64px; } }
.team-photo { margin: 0; }
.team-photo img { border-radius: 24px; width: 100%; aspect-ratio: 3 / 2; object-fit: cover; }
.team-photo figcaption { font-size: .875rem; color: var(--on-deep-soft); margin-top: 10px; }
.team-copy > p:not(.eyebrow) { font-size: 1.075rem; }
.people { display: grid; gap: 14px; margin: 26px 0 28px; }
@media (min-width: 560px) { .people { grid-template-columns: 1fr 1fr; } }
.person { display: flex; align-items: center; gap: 14px; padding: 14px; border-radius: 16px; background: var(--deep-2); border: 1px solid rgba(var(--on-deep-rgb), .14); }
.person img { width: 68px; height: 68px; border-radius: 50%; object-fit: cover; flex: none; }
.person h3 { margin: 0; font-size: 1.05rem; }
.person p { margin: 0; font-size: .925rem; }
.person .nmls a { display: inline-flex; align-items: center; min-height: 32px; font-weight: 600; }

/* ---------- learn ---------- */
.articles { display: grid; gap: 22px; }
@media (min-width: 720px) { .articles { grid-template-columns: repeat(3, 1fr); } }
.art { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); overflow: hidden; display: flex; flex-direction: column; position: relative; transition: box-shadow .15s, transform .15s; }
.art:hover { box-shadow: var(--shadow); transform: translateY(-2px); }
.art img { aspect-ratio: 16 / 9; object-fit: cover; width: 100%; }
.art-body { padding: 20px 22px 22px; display: flex; flex-direction: column; flex: 1; }
.art-tag { font-size: .8rem; font-weight: 700; text-transform: uppercase; letter-spacing: .08em; color: var(--primary); margin-bottom: 6px; }
.art h3 { font-size: 1.1rem; margin-bottom: 12px; }
.art h3 a { color: var(--ink); text-decoration: none; }
.art h3 a::after { content: ""; position: absolute; inset: 0; }
.art h3 a:hover { color: var(--primary); }
.art-meta { margin: auto 0 0; font-size: .875rem; color: var(--muted); }
@media (prefers-reduced-motion: reduce) { .art, .art:hover { transition: none; transform: none; } }
.videos-row { margin-top: 56px; display: grid; gap: 8px; }
.videos-h { font-size: 1.25rem; }
.videos { display: flex; flex-wrap: wrap; gap: 20px; }
.vid { width: 240px; max-width: 100%; }
.vid-btn, .vid iframe { display: block; width: 100%; aspect-ratio: 9 / 16; border-radius: 16px; border: 0; overflow: hidden; }
.vid-btn { position: relative; padding: 0; cursor: pointer; background: var(--deep); color: var(--on-deep); text-align: left; }
.vid-btn img { width: 100%; height: 100%; object-fit: cover; opacity: .9; transition: opacity .15s; }
.vid-btn:hover img { opacity: 1; }
.vid-btn::after { content: ""; position: absolute; inset: 0; background: linear-gradient(transparent 45%, rgba(var(--deep-rgb), .92)); }
.vid-play { position: absolute; z-index: 1; left: 50%; top: 42%; transform: translate(-50%, -50%); width: 64px; height: 64px; border-radius: 50%; background: var(--accent); color: var(--on-accent); display: grid; place-items: center; box-shadow: 0 8px 20px rgba(var(--shadow-rgb), .35); }
.vid-play .icon { fill: currentColor; stroke: none; width: 28px; height: 28px; margin-left: 3px; }
.vid-t { position: absolute; z-index: 1; left: 16px; right: 16px; bottom: 16px; font: 600 1rem/1.3 var(--font-h); color: var(--on-deep); }
.vid-note { font-size: .85rem; color: var(--muted); margin: 8px 0 0; }
.vid-sm { width: 210px; }

/* ---------- states ---------- */
.states { list-style: none; display: grid; gap: 14px; grid-template-columns: repeat(2, 1fr); }
@media (min-width: 560px) { .states { grid-template-columns: repeat(3, 1fr); } }
@media (min-width: 1024px) { .states { grid-template-columns: repeat(5, 1fr); } }
.state { background: var(--surface); border: 1px solid var(--line); border-radius: 16px; padding: 18px; display: flex; flex-direction: column; gap: 2px; min-height: 122px; }
.state .ab { font: 800 1.9rem/1 var(--font-h); color: var(--primary); letter-spacing: .02em; }
.state .nm { font-weight: 600; color: var(--ink); margin-top: 8px; }
.state .lic { font-size: .8rem; color: var(--muted); }
.state.home { background: var(--deep); border-color: var(--deep); color: var(--on-deep); }
.state.home .ab, .state.home .nm { color: var(--on-deep); }
.state.home .lic { color: var(--on-deep-soft); }
.state .badge { display: inline-flex; align-items: center; gap: 4px; align-self: flex-start; margin-top: 8px; padding: 3px 10px 3px 6px; border-radius: 999px; background: var(--accent); color: var(--on-accent); font-size: .78rem; font-weight: 700; }
.state .badge .icon { width: 14px; height: 14px; }
.office { display: flex; gap: 14px; align-items: flex-start; margin-top: 24px; padding: 20px 22px; background: var(--surface); border: 1px solid var(--line); border-radius: 16px; max-width: 640px; }
.office > .icon { width: 28px; height: 28px; color: var(--primary); }
.office p { margin: 0; }
.office strong { color: var(--ink); }

/* ---------- FAQ ---------- */
.faq-grid { display: grid; gap: 24px; }
@media (min-width: 960px) { .faq-grid { grid-template-columns: 1fr 1.6fr; gap: 56px; } .faq-grid .sec-head { position: sticky; top: calc(var(--header-h) + 32px); align-self: start; } }
.faq details { border-bottom: 1px solid var(--line); }
.faq details:first-child { border-top: 1px solid var(--line); }
.faq summary { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; padding: 14px 0; cursor: pointer; list-style: none;
  font: 600 1.075rem/1.35 var(--font-h); color: var(--ink); }
.faq summary::-webkit-details-marker { display: none; }
.faq summary .icon { color: var(--primary); transition: transform .2s; }
.faq details[open] summary .icon { transform: rotate(180deg); }
.faq summary:hover { color: var(--primary); }
.faq-a { padding: 0 0 18px; max-width: 46em; }
.faq-a p { margin: 0; }
@media (prefers-reduced-motion: reduce) { .faq summary .icon { transition: none; } }

/* ---------- final CTA ---------- */
.final { background: radial-gradient(900px 420px at 12% 0%, var(--hero-glow) 0%, transparent 65%), var(--deep); color: var(--on-hero-soft); padding: 72px 0; }
.final h2 { color: var(--on-hero); }
.final-in { display: grid; gap: 28px; align-items: center; }
@media (min-width: 960px) { .final-in { grid-template-columns: 1.2fr 1fr; gap: 48px; } }
.final-in p { font-size: 1.1rem; }
.final-ctas { display: flex; flex-wrap: wrap; gap: 12px; }
.final-addr { display: flex; gap: 8px; align-items: flex-start; font-size: .95rem !important; margin: 6px 0 0; width: 100%; }
@media (max-width: 559px) { .final-ctas .btn { width: 100%; } }

/* ---------- footer ---------- */
.site-footer { background: var(--deep); border-top: 1px solid rgba(var(--on-deep-rgb), .14); color: var(--on-deep-soft); padding: 64px 0 32px; font-size: .95rem; }
.site-footer a { color: var(--on-deep); }
.ft-top { display: grid; gap: 36px; }
@media (min-width: 640px) { .ft-top { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .ft-top { grid-template-columns: 1.5fr 1fr 1fr 1.1fr; } }
.ft-brand img { width: 150px; margin-bottom: 16px; }
.ft-call a { display: inline-flex; align-items: center; gap: 8px; font: 700 1.25rem var(--font-h); text-decoration: none; min-height: 44px; }
.ft-small { font-size: .875rem; }
.site-footer h2 { color: var(--on-deep); font-size: 1rem; letter-spacing: .04em; margin-bottom: 12px; }
.ft-col ul { list-style: none; display: grid; gap: 2px; }
.ft-col a { display: inline-flex; align-items: center; min-height: 36px; text-decoration: none; }
.ft-col a:hover { text-decoration: underline; }
.ft-lic li { padding: 4px 0; font-size: .9rem; }
.ft-lic abbr { display: inline-block; min-width: 2.2em; font-weight: 700; color: var(--on-deep); }
.ft-social { list-style: none; display: flex; gap: 10px; margin: 36px 0 28px; }
.ft-social a { width: 44px; height: 44px; display: grid; place-items: center; border-radius: 50%; border: 1px solid rgba(var(--on-deep-rgb), .3); }
.ft-social a:hover { background: rgba(var(--on-deep-rgb), .08); }
.ft-social svg { width: 22px; height: 22px; fill: none; stroke: var(--on-deep); stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.ft-social .fill { fill: var(--on-deep); stroke: none; }
.ft-legal { border-top: 1px solid rgba(var(--on-deep-rgb), .18); padding-top: 24px; font-size: .85rem; display: grid; gap: 4px; }
.ft-legal p { margin: 0 0 8px; max-width: 70em; }
.eho { display: inline-flex; align-items: center; gap: 10px; margin-bottom: 12px; color: var(--on-deep); font-weight: 600; }
.eho svg { width: 40px; height: 40px; fill: var(--on-deep); }
.eho .eho-house { fill: none; stroke: var(--on-deep); stroke-width: 4; stroke-linejoin: round; }
.ft-nmls { font-size: .95rem; color: var(--on-deep); }
.ft-links { list-style: none; display: flex; flex-wrap: wrap; gap: 4px 20px; margin: 4px 0 12px; }
.ft-links a { display: inline-flex; align-items: center; min-height: 40px; }
.ft-demo { color: var(--on-deep-faint); }

/* ---------- inner page hero ---------- */
.page-hero { background: radial-gradient(1000px 500px at 85% 0%, var(--hero-glow) 0%, transparent 60%), linear-gradient(160deg, var(--hero) 0%, var(--hero-mid) 70%, var(--hero-end) 100%); color: var(--on-hero-soft); padding: 40px 0 56px; }
.page-hero h1 { color: var(--on-hero); font-size: clamp(2.1rem, 1.4rem + 3vw, 3.2rem); margin-bottom: .35em; }
.page-hero .lede { font-size: 1.15rem; max-width: 40em; }
.crumbs ol { list-style: none; display: flex; flex-wrap: wrap; gap: 4px; font-size: .9rem; margin-bottom: 18px; }
.crumbs li { display: inline-flex; align-items: center; }
.crumbs li + li::before { content: "/"; margin: 0 8px; opacity: .6; }
.crumbs a { color: var(--on-hero); display: inline-flex; min-height: 32px; align-items: center; }
.crumbs-dark a { color: var(--primary); }
.crumbs-dark li { color: var(--muted); }
.jump { list-style: none; display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }
.jump a { display: inline-flex; align-items: center; gap: 8px; min-height: 46px; padding: 0 18px; border-radius: 999px; background: rgba(var(--on-hero-rgb), .1); border: 1.5px solid rgba(var(--on-hero-rgb), .45); color: var(--on-hero); text-decoration: none; font-weight: 600; }
.jump a:hover { background: rgba(var(--on-hero-rgb), .2); }

/* ---------- loans page ---------- */
.loans-layout { display: grid; gap: 32px; padding-top: 48px; padding-bottom: 88px; }
@media (min-width: 1080px) { .loans-layout { grid-template-columns: 220px 1fr; gap: 48px; } }
.loan-toc { display: none; }
@media (min-width: 1080px) {
  .loan-toc { display: block; position: sticky; top: calc(var(--header-h) + 24px); align-self: start; }
  .toc-h { font: 600 .8rem var(--font-h); letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
  .loan-toc ul { list-style: none; border-left: 2px solid var(--line); }
  .loan-toc a { display: block; padding: 6px 14px; color: var(--text); text-decoration: none; font-size: .95rem; margin-left: -2px; border-left: 2px solid transparent; }
  .loan-toc a:hover, .loan-toc a.on { color: var(--primary); border-left-color: var(--primary); }
  .loan-toc .toc-g a { font-weight: 700; color: var(--ink); margin-top: 10px; }
}
.loan-group { margin-bottom: 56px; }
.lg-head { display: flex; align-items: center; gap: 14px; margin-bottom: 20px; }
.lg-head .g-ico { margin: 0; }
.lg-head h2 { margin: 0; font-size: clamp(1.5rem, 1.2rem + 1.2vw, 2rem); }
.loan { background: var(--surface); border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; margin-bottom: 20px; box-shadow: 0 1px 2px rgba(var(--shadow-rgb), .04); }
@media (max-width: 479px) { .loan { padding: 22px 16px; } }
.loan:target { border-color: var(--primary); box-shadow: 0 0 0 4px rgba(var(--primary-rgb), .12); }
.loan h3 { font-size: 1.4rem; margin-bottom: .3em; }
.loan-sum { font-size: 1.08rem; color: var(--muted); max-width: 46em; }
.loan h4 { margin: 18px 0 12px; color: var(--ink); }
.loan-cols { display: grid; gap: 8px 36px; }
@media (min-width: 760px) { .loan-cols { grid-template-columns: 1fr 1fr; } }
.loan-video { display: flex; align-items: flex-start; padding-top: 18px; }
.types { list-style: none; display: grid; gap: 12px; }
.types li { padding: 12px 14px; background: var(--tint-2); border-radius: 12px; border: 1px solid var(--line); }
.small-note { font-size: .875rem; color: var(--muted); margin: 12px 0 0; }
.loan-foot { display: flex; flex-wrap: wrap; align-items: center; gap: 12px 20px; margin-top: 24px; padding-top: 20px; border-top: 1px solid var(--line); }
.gov-note { width: 100%; margin: 0; font-size: .85rem; color: var(--muted); }
@media (max-width: 479px) { .loan-foot .btn { width: 100%; white-space: normal; text-align: center; padding: 12px 1em; } }
.help-card { background: var(--deep); color: var(--on-deep-soft); border-radius: 24px; padding: 32px; }
.help-card h2 { color: var(--on-deep); font-size: 1.6rem; }
.help-ctas { display: flex; flex-wrap: wrap; gap: 12px; }

/* ---------- VA page ---------- */
.va-hero-grid { display: grid; gap: 32px; align-items: center; }
@media (min-width: 960px) { .va-hero-grid { grid-template-columns: 1.15fr .85fr; gap: 48px; } }
.va-hero-img { margin: 0; }
.va-hero-img img { border-radius: 24px; width: 100%; aspect-ratio: 4 / 3; object-fit: cover; box-shadow: var(--shadow-lg); }
.va-disc { font-size: .875rem; color: var(--on-hero-muted); margin: 18px 0 0; }
.final .va-disc { margin-top: 8px; }
.glance { list-style: none; display: grid; gap: 16px; }
@media (min-width: 600px) { .glance { grid-template-columns: 1fr 1fr; } }
@media (min-width: 1024px) { .glance { grid-template-columns: repeat(4, 1fr); } }
.glance li { background: var(--tint-2); border: 1px solid var(--line); border-radius: 16px; padding: 20px; }
.glance .icon { width: 30px; height: 30px; color: var(--primary); margin-bottom: 10px; }
.glance h3 { font-size: 1.05rem; margin-bottom: .3em; }
.glance p { margin: 0; font-size: .95rem; color: var(--muted); }
.two-col { display: grid; gap: 36px; }
@media (min-width: 1000px) { .two-col { grid-template-columns: 1.5fr 1fr; gap: 56px; align-items: start; } .side-card { position: sticky; top: calc(var(--header-h) + 24px); } }
.local-list { list-style: none; display: grid; gap: 18px; margin-top: 24px; }
.local-list li { display: grid; grid-template-columns: 44px 1fr; gap: 14px; }
.li-ico { width: 44px; height: 44px; border-radius: 12px; background: var(--tint); color: var(--primary); display: grid; place-items: center; }
.local-list h3 { font-size: 1.08rem; margin-bottom: .2em; }
.local-list p { margin: 0; color: var(--muted); }
.side-card { background: var(--surface); border: 1px solid var(--line); border-radius: 20px; padding: 26px; box-shadow: var(--shadow); }
.side-card p { color: var(--muted); font-size: .95rem; margin-top: 14px; }
.figs { display: grid; gap: 16px; }
@media (min-width: 820px) { .figs { grid-template-columns: repeat(3, 1fr); } }
.fig { background: var(--surface); border: 1px solid var(--line); border-radius: 18px; padding: 22px; }
.fig-k { font-weight: 600; color: var(--ink); margin-bottom: 6px; font-size: .975rem; }
.fig-v { font: 800 clamp(1.6rem, 1.3rem + 1.2vw, 2.1rem)/1.1 var(--font-h); color: var(--primary); margin-bottom: 10px; }
.fig-s { font-size: .825rem; color: var(--muted); margin: 0; }
.fee { margin-top: 32px; background: var(--surface); border: 1px solid var(--line); border-radius: 20px; padding: 28px; }
@media (max-width: 479px) { .fee { padding: 22px 16px; } }
.table-wrap { overflow-x: auto; margin: 8px 0 18px; border-radius: 12px; border: 1px solid var(--line); }
.fee-table { width: 100%; border-collapse: collapse; min-width: 420px; font-size: .975rem; }
.fee-table caption { text-align: left; padding: 12px 14px; font-weight: 600; color: var(--ink); background: var(--tint-2); }
.fee-table th, .fee-table td { padding: 12px 14px; text-align: left; border-top: 1px solid var(--line); }
.fee-table thead th { background: var(--tint); color: var(--ink); font-size: .875rem; }
.fee-table tbody th { font-weight: 500; color: var(--text); }
.fee-table td { font-weight: 700; color: var(--ink); font-variant-numeric: tabular-nums; }
.note-line { margin-top: 36px; padding: 18px 20px; border-left: 4px solid var(--accent); background: var(--tint-2); border-radius: 0 12px 12px 0; }
.reviewed { font-size: .85rem; color: var(--muted); padding-top: 16px; padding-bottom: 16px; margin: 0 auto; }

/* ---------- options page ---------- */
.options-page { background: var(--tint-2); padding: 40px 0 88px; border-bottom: 1px solid var(--line); }
.options-grid { display: grid; gap: 32px; align-items: start; }
@media (min-width: 1100px) { .options-grid { grid-template-columns: .7fr 1.5fr; gap: 48px; } .op-intro { position: sticky; top: calc(var(--header-h) + 32px); } }
.op-intro h1 { font-size: clamp(2rem, 1.5rem + 2vw, 2.8rem); }
.op-intro .lede { font-size: 1.12rem; color: var(--muted); }
.op-points { list-style: none; display: grid; gap: 14px; margin: 24px 0; }
.op-points li { display: flex; gap: 12px; }
.op-points .icon { color: var(--primary); margin-top: .2em; }
.op-points strong { color: var(--ink); }
.op-call { font-weight: 600; }

/* ---------- short loan cards (home page + loans.html overview) ---------- */
.lgroups { display: grid; gap: 36px; }
.lg-h { display: flex; align-items: center; gap: 12px; font-size: clamp(1.25rem, 1.1rem + .6vw, 1.55rem); margin-bottom: 16px; }
.lg-h .g-ico { width: 44px; height: 44px; margin: 0; border-radius: 12px; }
.lg-h .g-ico .icon { width: 22px; height: 22px; }
.lcards { display: grid; gap: 16px; grid-template-columns: repeat(auto-fill, minmax(250px, 1fr)); }
@media (max-width: 559px) { .lcards { grid-template-columns: 1fr; } }
.lcard { position: relative; display: flex; flex-direction: column; background: var(--surface); border: 1px solid var(--line); border-radius: 16px; padding: 20px 20px 14px; box-shadow: 0 1px 2px rgba(var(--shadow-rgb), .04); transition: border-color .15s, box-shadow .15s; }
.lcard:hover { border-color: var(--primary); box-shadow: var(--shadow); }
.lcard h3, .lcard h4 { font-size: 1.1rem; margin: 0 0 .35em; }
.lcard h3 a, .lcard h4 a { color: var(--ink); text-decoration: none; }
.lcard h3 a:hover, .lcard h4 a:hover { color: var(--primary); }
.lcard p { color: var(--muted); font-size: .95rem; margin: 0 0 10px; }
.lc-links { margin-top: auto; display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 0 12px; border-top: 1px solid var(--line); padding-top: 4px; }
.lc-more, .lc-quiz { display: inline-flex; align-items: center; gap: 6px; min-height: 44px; font-weight: 600; font-size: .95rem; text-decoration: none; }
.lc-more { font-family: var(--font-h); }
.lc-more .icon { width: 1em; height: 1em; transition: transform .15s; }
.lc-more:hover .icon { transform: translateX(3px); }
.lc-quiz { color: var(--muted); text-decoration: underline; text-underline-offset: .2em; }
.lc-quiz:hover { color: var(--primary); }
@media (prefers-reduced-motion: reduce) { .lcard, .lc-more .icon { transition: none; } }
.loans-all { margin: 28px 0 0; }
.loans-overview { padding-top: 48px; padding-bottom: 88px; display: grid; gap: 32px; }
.loans-overview .gov-note { margin: 0; }
.loans-overview .help-card { margin-top: 8px; }

/* ---------- "Loan options" menu (dropdown on desktop, expandable in the phone menu) ---------- */
.has-sub { position: relative; }
.sub-toggle { display: inline-flex; align-items: center; gap: 4px; min-height: 44px; padding: 0 10px; border: 0; border-radius: 8px; background: none; color: var(--ink); font: 500 .975rem var(--font-b); cursor: pointer; }
.sub-toggle:hover, .sub-toggle[aria-expanded="true"] { color: var(--primary); background: var(--tint); }
.sub-toggle .icon { width: 1em; height: 1em; transition: transform .15s; }
.sub-toggle[aria-expanded="true"] .icon { transform: rotate(180deg); }
.has-sub.current .sub-toggle { color: var(--primary); box-shadow: inset 0 -3px 0 var(--accent); border-radius: 0; }
.sub[hidden] { display: none; }
.sub { background: var(--surface); }
.sub-all { display: inline-flex; align-items: center; gap: 8px; min-height: 44px; font: 600 1rem var(--font-h); text-decoration: none; }
.sub-all .icon { width: 1em; height: 1em; }
.sub-grid { display: grid; gap: 4px 24px; }
.sub-h { margin: 8px 0 2px; font: 600 .75rem var(--font-h); letter-spacing: .1em; text-transform: uppercase; color: var(--muted); }
.sub ul { list-style: none; display: grid; }
.site-nav .sub ul a { display: flex; align-items: center; min-height: 44px; padding: 0 8px; margin: 0 -8px; font-size: .95rem; }
.sub a[aria-current="page"] { color: var(--primary); font-weight: 600; }
@media (min-width: 1240px) {
  .sub { position: absolute; top: calc(100% + 10px); left: -12px; z-index: 45; width: 780px; padding: 18px 22px 20px; border: 1px solid var(--line); border-radius: 18px; box-shadow: var(--shadow-lg); }
  .sub-grid { grid-template-columns: repeat(4, 1fr); margin-top: 6px; border-top: 1px solid var(--line); padding-top: 6px; }
}
@media (max-width: 1239px) {
  .sub-toggle { width: 100%; justify-content: space-between; padding: 0 12px; font-size: 1.05rem; }
  .sub { padding: 4px 12px 12px 24px; }
  .site-nav .sub ul a { min-height: 44px; }
}
@media (min-width: 560px) and (max-width: 1239px) { .sub-grid { grid-template-columns: 1fr 1fr; } }
@media (prefers-reduced-motion: reduce) { .sub-toggle .icon { transition: none; } }
@media (max-width: 559px) {
  .lgroups { gap: 28px; }
  .lcards { gap: 10px; }
  .lcard { padding: 14px 16px 6px; }
  .lcard p { font-size: .9rem; margin-bottom: 6px; }
}

/* desktop nav: keep every item on one line */
.site-nav ul a, .sub-toggle { white-space: nowrap; }
@media (min-width: 1240px) and (max-width: 1379px) {
  .site-nav { gap: 12px; }
  .site-nav ul a, .sub-toggle { padding: 0 7px; font-size: .95rem; }
  .nav-cta .btn { padding: 0 .95em; }
}