/* Layout concept: a calm, light page (about 70%) framed by a navy header and footer (about 20%),
   with teal held back for the actions that matter (about 10%). Content sits on a 1160px column;
   tools sit in pale-gray panels. */
:root {
  --navy: #17324D;
  --navy-2: #1F4060;
  --paper: #FAF9F6;
  --card: #FFFFFF;
  --teal: #007F78;
  --teal-dark: #00665F;
  --teal-tint: #E3F2F0;
  --panel: #EEF2F5;
  --ink: #263445;
  --muted: #566476;
  --line: #D8DFE6;
  --on-dark: #FAF9F6;
  --on-dark-muted: #B9C6D3;
  --gold: #C99A3B;

  --f-display: "Source Serif 4", "Iowan Old Style", Georgia, serif;
  --f-body: "Public Sans", "Segoe UI", system-ui, -apple-system, sans-serif;

  --step--1: 0.875rem;
  --step-0: 1rem;
  --step-1: 1.125rem;
  --step-2: 1.375rem;
  --step-3: 1.75rem;
  --step-4: 2.25rem;
  --step-5: clamp(2.25rem, 4.6vw, 3.4rem);

  --radius: 10px;
  --wrap: 1160px;
  color-scheme: light;
}

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

body {
  margin: 0;
  background: var(--paper);
  color: var(--ink);
  font-family: var(--f-body);
  font-size: var(--step-0);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; }
a { color: var(--teal-dark); text-underline-offset: 3px; }
a:hover { color: var(--navy); }
:focus-visible { outline: 3px solid var(--teal); outline-offset: 3px; border-radius: 4px; }

h1, h2, h3 { font-family: var(--f-display); color: var(--navy); line-height: 1.15; text-wrap: balance; margin: 0; font-weight: 600; }
h1 { font-size: var(--step-5); letter-spacing: -0.01em; }
h2 { font-size: var(--step-4); }
h3 { font-size: var(--step-2); }
p { margin: 0; }
.lede { font-size: var(--step-1); color: var(--muted); max-width: 62ch; }
.eyebrow { font-size: var(--step--1); font-weight: 700; letter-spacing: 0.09em; text-transform: uppercase; color: var(--teal-dark); }
.num { font-variant-numeric: tabular-nums; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding-inline: 20px; }
.section { padding-block: 72px; }
.section.alt { background: var(--panel); }
.section-head { display: grid; gap: 12px; margin-bottom: 36px; max-width: 760px; }

/* Skip link */
.skip { position: absolute; left: -999px; top: 8px; background: var(--card); padding: 8px 14px; z-index: 50; }
.skip:focus { left: 12px; }

/* Header */
.site-header {
  background: var(--navy);
  color: var(--on-dark);
  position: sticky;
  top: env(safe-area-inset-top, 0px);
  z-index: 30;
}
.nav { display: flex; align-items: center; gap: 24px; min-height: 68px; }
.brand { display: flex; align-items: center; gap: 10px; color: var(--on-dark); text-decoration: none; font-family: var(--f-display); font-size: 1.3rem; font-weight: 600; white-space: nowrap; }
.brand:hover { color: var(--on-dark); }
.brand-mark { width: 30px; height: 30px; flex: none; }
.brand small { display: block; font-family: var(--f-body); font-size: 0.7rem; font-weight: 500; letter-spacing: 0.06em; color: var(--on-dark-muted); text-transform: uppercase; }
.nav-links { display: flex; align-items: center; gap: 4px; margin-left: auto; list-style: none; padding: 0; margin-block: 0; }
.nav-links a { color: var(--on-dark); text-decoration: none; font-size: 0.95rem; font-weight: 500; padding: 8px 10px; border-radius: 6px; white-space: nowrap; }
.nav-links a:hover, .nav-links a[aria-current="page"] { background: var(--navy-2); color: var(--on-dark); }
.nav-links a[aria-current="page"] { box-shadow: inset 0 -2px 0 var(--teal); }
.nav-cta { margin-left: 8px; }
.menu-btn { display: none; margin-left: auto; background: transparent; border: 1px solid var(--on-dark-muted); color: var(--on-dark); border-radius: 6px; padding: 8px 12px; font: inherit; font-weight: 600; cursor: pointer; }

.nav { gap: 12px; }
.nav-phone { display: inline-flex; align-items: center; gap: 8px; color: var(--on-dark); text-decoration: none; font-weight: 700; font-size: 0.95rem; white-space: nowrap; padding: 8px 10px; border-radius: 6px; font-variant-numeric: tabular-nums; }
.nav-phone svg { width: 16px; height: 16px; color: #7FD3CC; flex: none; }
.nav-phone:hover { background: var(--navy-2); color: var(--on-dark); }
.nav-cta { white-space: nowrap; }
@media (max-width: 1220px) {
  .menu-btn { display: inline-flex; margin-left: 0; }
  .nav { flex-wrap: wrap; }
  .nav-phone { margin-left: auto; }
  .nav-links { order: 10; display: none; width: 100%; flex-direction: column; align-items: stretch; gap: 2px; padding-bottom: 14px; margin-left: 0; }
  .nav-links.open { display: flex; }
  .nav-links a { padding: 12px; }
}
@media (max-width: 680px) { .nav .nav-cta { display: none; } }
@media (max-width: 480px) {
  .nav-phone span { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
  .nav-phone { padding: 10px; border: 1px solid rgba(250, 249, 246, .3); }
  .brand small { display: none; }
}

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  font: inherit; font-weight: 700; font-size: 1rem;
  padding: 13px 22px; border-radius: 8px; border: 2px solid transparent;
  text-decoration: none; cursor: pointer; line-height: 1.2;
  transition: background-color .15s ease, transform .15s ease;
}
.btn-primary { background: var(--teal); color: #fff; }
.btn-primary:hover { background: var(--teal-dark); color: #fff; transform: translateY(-1px); }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: var(--on-dark); }
.btn-light { background: transparent; color: var(--on-dark); border-color: var(--on-dark-muted); }
.btn-light:hover { background: var(--navy-2); color: var(--on-dark); }
.btn-sm { padding: 9px 16px; font-size: 0.92rem; }
.btn-row { display: flex; flex-wrap: wrap; gap: 12px; align-items: center; }

/* Hero */
.hero { padding-block: 64px 56px; }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 0.9fr); gap: 48px; align-items: center; }
.hero-copy { display: grid; gap: 20px; min-width: 0; }
.hero-trust { display: flex; flex-wrap: wrap; gap: 8px 20px; font-size: var(--step--1); color: var(--muted); }
.hero-trust span { display: inline-flex; align-items: center; gap: 6px; }
.hero-trust svg { width: 16px; height: 16px; color: var(--teal); flex: none; }
@media (max-width: 880px) { .hero-grid { grid-template-columns: 1fr; gap: 32px; } .hero { padding-block: 44px; } }

/* Goal picker (Rocket/Better-style first question) */
.picker { background: var(--card); border: 1px solid var(--line); border-radius: 14px; padding: 28px; box-shadow: 0 18px 40px -24px rgba(23, 50, 77, .35); display: grid; gap: 18px; min-width: 0; }
.picker h2 { font-size: var(--step-3); }
.picker-options { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 12px; }
.picker-option { display: grid; gap: 4px; padding: 16px; border: 1.5px solid var(--line); border-radius: var(--radius); text-decoration: none; color: var(--ink); background: var(--paper); transition: border-color .15s ease, background-color .15s ease; }
.picker-option strong { color: var(--navy); font-size: 1.02rem; }
.picker-option span { font-size: var(--step--1); color: var(--muted); }
.picker-option:hover { border-color: var(--teal); background: var(--teal-tint); color: var(--ink); }
.picker-foot { font-size: var(--step--1); color: var(--muted); }
@media (max-width: 420px) { .picker-options { grid-template-columns: 1fr; } .picker { padding: 20px; } }

/* Loan cards */
.loan-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 200px), 1fr)); gap: 16px; }
.loan-card { display: grid; grid-template-rows: auto auto 1fr auto; gap: 10px; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; text-decoration: none; color: var(--ink); transition: border-color .15s ease, transform .15s ease; }
.loan-card:hover { border-color: var(--teal); transform: translateY(-2px); color: var(--ink); }
.loan-card .tag { font-size: 0.78rem; font-weight: 700; color: var(--teal-dark); letter-spacing: .06em; text-transform: uppercase; }
.loan-card h3 { font-size: var(--step-2); }
.loan-card p { font-size: 0.95rem; color: var(--muted); }
.loan-card .go { font-weight: 700; color: var(--teal-dark); font-size: 0.95rem; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(min(100%, 220px), 1fr)); gap: 24px; counter-reset: step; list-style: none; padding: 0; margin: 0; }
.steps li { counter-increment: step; display: grid; gap: 8px; align-content: start; }
.steps li::before { content: counter(step); display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: var(--on-dark); font-weight: 700; font-family: var(--f-display); font-size: 1.15rem; }
.steps h3 { font-size: var(--step-1); font-family: var(--f-body); font-weight: 700; }
.steps p { color: var(--muted); font-size: 0.97rem; }

/* Calculator panel */
.calc { background: var(--panel); border-radius: 14px; padding: 28px; display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 32px; }
.section.alt .calc { background: var(--card); border: 1px solid var(--line); }
.calc-fields { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; align-content: start; }
.field { display: grid; gap: 6px; min-width: 0; }
.field.full { grid-column: 1 / -1; }
.field label { font-size: 0.88rem; font-weight: 600; color: var(--navy); }
.field input, .field select {
  font: inherit; font-variant-numeric: tabular-nums; color: var(--ink);
  background: var(--card); border: 1.5px solid var(--line); border-radius: 8px;
  padding: 11px 12px; width: 100%; min-width: 0;
}
.field input:focus, .field select:focus { border-color: var(--teal); outline: none; box-shadow: 0 0 0 3px var(--teal-tint); }
.field .hint { font-size: 0.8rem; color: var(--muted); }
.calc-result { display: grid; gap: 16px; align-content: start; min-width: 0; }
.big-number { font-family: var(--f-display); font-size: clamp(2.4rem, 5vw, 3.2rem); color: var(--navy); line-height: 1; font-variant-numeric: tabular-nums; }
.big-label { font-size: var(--step--1); font-weight: 700; color: var(--muted); text-transform: uppercase; letter-spacing: .08em; }
.breakdown { list-style: none; margin: 0; padding: 0; display: grid; gap: 0; border-top: 1px solid var(--line); }
.breakdown li { display: flex; justify-content: space-between; gap: 12px; padding: 10px 0; border-bottom: 1px solid var(--line); font-size: 0.95rem; }
.breakdown li span:last-child { font-variant-numeric: tabular-nums; font-weight: 600; color: var(--navy); }
.bar { display: flex; height: 12px; border-radius: 6px; overflow: hidden; background: var(--line); }
.bar i { display: block; height: 100%; }
.legend { display: flex; flex-wrap: wrap; gap: 6px 16px; font-size: 0.8rem; color: var(--muted); }
.legend span { display: inline-flex; align-items: center; gap: 6px; }
.legend b { width: 10px; height: 10px; border-radius: 2px; display: inline-block; }
.calc-note { font-size: 0.8rem; color: var(--muted); }
.status { display: inline-flex; align-items: center; gap: 8px; padding: 6px 12px; border-radius: 999px; font-weight: 700; font-size: 0.88rem; width: fit-content; }
.status.good { background: #E1F3E8; color: #1F6B3A; }
.status.warn { background: #FBF0D9; color: #7A5410; }
.status.bad { background: #F9E3E1; color: #8E2A20; }
@media (max-width: 820px) { .calc { grid-template-columns: 1fr; padding: 22px; } }
@media (max-width: 420px) { .calc-fields { grid-template-columns: 1fr; } }

/* Page hero for landing pages */
.page-hero { background: var(--navy); color: var(--on-dark); padding-block: 56px 60px; }
.page-hero h1 { color: var(--on-dark); }
.page-hero .eyebrow { color: #7FD3CC; }
.page-hero .lede { color: var(--on-dark-muted); }
.page-hero-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, 0.7fr); gap: 40px; align-items: end; }
.page-hero-copy { display: grid; gap: 18px; min-width: 0; }
.crumbs { font-size: 0.85rem; color: var(--on-dark-muted); }
.crumbs a { color: var(--on-dark-muted); }
.crumbs a:hover { color: var(--on-dark); }
.fact-box { border: 1px solid rgba(250, 249, 246, .22); border-radius: 12px; padding: 20px 22px; display: grid; gap: 12px; min-width: 0; }
.fact-box dl { margin: 0; display: grid; gap: 10px; }
.fact-box div { display: flex; justify-content: space-between; gap: 12px; border-bottom: 1px solid rgba(250, 249, 246, .14); padding-bottom: 10px; }
.fact-box div:last-child { border-bottom: 0; padding-bottom: 0; }
.fact-box dt { color: var(--on-dark-muted); font-size: 0.9rem; }
.fact-box dd { margin: 0; font-weight: 700; text-align: right; font-variant-numeric: tabular-nums; }
.fact-box .fact-title { font-size: 0.78rem; letter-spacing: .09em; text-transform: uppercase; color: #7FD3CC; font-weight: 700; }
@media (max-width: 860px) { .page-hero-grid { grid-template-columns: 1fr; } }

/* Answer blocks (AEO: question heading + direct answer first) */
.answers { display: grid; gap: 40px; }
.answer { display: grid; grid-template-columns: minmax(0, 0.9fr) minmax(0, 1.6fr); gap: 32px; padding-top: 32px; border-top: 1px solid var(--line); }
.answer:first-child { border-top: 0; padding-top: 0; }
.answer h2 { font-size: var(--step-3); }
.answer-body { display: grid; gap: 14px; max-width: 68ch; min-width: 0; }
.answer-body .direct { font-size: var(--step-1); color: var(--ink); font-weight: 500; }
.answer-body ul { margin: 0; padding-left: 1.2em; display: grid; gap: 6px; }
@media (max-width: 820px) { .answer { grid-template-columns: 1fr; gap: 12px; } }

/* Tables */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: var(--card); }
table { border-collapse: collapse; width: 100%; font-size: 0.95rem; }
th, td { text-align: left; padding: 12px 14px; border-bottom: 1px solid var(--line); vertical-align: top; }
thead th { background: var(--panel); color: var(--navy); font-size: 0.82rem; text-transform: uppercase; letter-spacing: .06em; }
tbody tr:last-child td { border-bottom: 0; }
td.n { font-variant-numeric: tabular-nums; font-weight: 600; color: var(--navy); white-space: nowrap; }

/* Checklist */
.checks { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.checks li { display: grid; grid-template-columns: 22px minmax(0, 1fr); gap: 10px; align-items: start; }
.checks li::before { content: ""; width: 20px; height: 20px; margin-top: 3px; border-radius: 50%; background: var(--teal-tint) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-7' fill='none' stroke='%23007F78' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat; }
.two-col { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 40px; }
@media (max-width: 820px) { .two-col { grid-template-columns: 1fr; gap: 28px; } }

/* FAQ */
.faq { display: grid; gap: 10px; max-width: 860px; }
.faq details { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 0 20px; }
.faq summary { cursor: pointer; list-style: none; padding: 18px 28px 18px 0; font-weight: 700; color: var(--navy); position: relative; font-size: 1.04rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 0; top: 14px; font-size: 1.5rem; color: var(--teal); font-weight: 400; }
.faq details[open] summary::after { content: "–"; }
.faq details p { padding-bottom: 18px; color: var(--ink); max-width: 70ch; }

/* About / LO card */
.lo { display: grid; grid-template-columns: 220px minmax(0, 1fr); gap: 36px; align-items: center; }
.lo-photo { aspect-ratio: 4 / 5; max-width: 100%; border-radius: 14px; background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%); display: grid; place-items: center; color: var(--on-dark); font-family: var(--f-display); font-size: 3.4rem; }
.lo-copy { display: grid; gap: 14px; min-width: 0; }
.cred-list { display: flex; flex-wrap: wrap; gap: 8px; }
.cred { font-size: 0.85rem; font-weight: 600; padding: 6px 12px; border-radius: 999px; background: var(--card); border: 1px solid var(--line); color: var(--navy); }
@media (max-width: 680px) { .lo { grid-template-columns: 1fr; } .lo-photo { max-width: 200px; } }

/* CTA band */
.cta-band { background: var(--navy); color: var(--on-dark); border-radius: 16px; padding: 40px; display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 24px; align-items: center; }
.cta-band h2 { color: var(--on-dark); font-size: var(--step-3); }
.cta-band p { color: var(--on-dark-muted); margin-top: 8px; }
@media (max-width: 720px) { .cta-band { grid-template-columns: 1fr; padding: 28px; } }

/* Apply flow */
.apply-shell { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(0, 0.75fr); gap: 32px; align-items: start; }
.apply-card { background: var(--card); border: 1px solid var(--line); border-radius: 14px; padding: 32px; display: grid; gap: 22px; box-shadow: 0 18px 40px -28px rgba(23, 50, 77, .4); min-width: 0; }
.progress { display: grid; gap: 8px; }
.progress-track { height: 6px; background: var(--panel); border-radius: 3px; overflow: hidden; }
.progress-track i { display: block; height: 100%; background: var(--teal); width: 25%; transition: width .3s ease; }
.progress-label { font-size: 0.85rem; color: var(--muted); font-weight: 600; }
.q { display: grid; gap: 16px; }
.q h2 { font-size: var(--step-3); }
.choice-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 10px; }
.choice { position: relative; }
.choice input { position: absolute; opacity: 0; inset: 0; }
.choice label { display: grid; gap: 2px; padding: 15px 16px; border: 1.5px solid var(--line); border-radius: var(--radius); cursor: pointer; background: var(--paper); height: 100%; }
.choice label strong { color: var(--navy); }
.choice label span { font-size: 0.85rem; color: var(--muted); }
.choice input:checked + label { border-color: var(--teal); background: var(--teal-tint); box-shadow: inset 0 0 0 1px var(--teal); }
.choice input:focus-visible + label { outline: 3px solid var(--teal); outline-offset: 2px; }
.apply-nav { display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
.side-card { background: var(--panel); border-radius: 14px; padding: 24px; display: grid; gap: 14px; min-width: 0; }
.side-card h3 { font-size: var(--step-1); font-family: var(--f-body); font-weight: 700; }
.summary-list { list-style: none; margin: 0; padding: 0; display: grid; gap: 8px; font-size: 0.95rem; }
.summary-list li { display: flex; justify-content: space-between; gap: 10px; border-bottom: 1px solid var(--line); padding-bottom: 8px; }
.summary-list li span:last-child { font-weight: 600; color: var(--navy); text-align: right; }
.notice { background: #FBF0D9; color: #5E420C; border-radius: 8px; padding: 12px 14px; font-size: 0.9rem; }
.secure-note { display: flex; gap: 10px; align-items: flex-start; font-size: 0.88rem; color: var(--muted); }
.secure-note svg { width: 18px; height: 18px; color: var(--teal); flex: none; margin-top: 2px; }
@media (max-width: 880px) { .apply-shell { grid-template-columns: 1fr; } .apply-card { padding: 22px; } }
@media (max-width: 460px) { .choice-grid { grid-template-columns: 1fr; } }

/* Footer */
.site-footer { background: var(--navy); color: var(--on-dark-muted); padding-block: 56px 32px; font-size: 0.9rem; margin-top: 0; }
.footer-grid { display: grid; grid-template-columns: minmax(0, 1.3fr) repeat(4, minmax(0, 1fr)); gap: 28px; }
@media (max-width: 1080px) { .footer-grid { grid-template-columns: repeat(3, minmax(0, 1fr)); } }
.site-footer h3 { color: var(--on-dark); font-family: var(--f-body); font-size: 0.82rem; letter-spacing: .09em; text-transform: uppercase; font-weight: 700; margin-bottom: 12px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; display: grid; gap: 8px; }
.site-footer a { color: var(--on-dark); text-decoration: none; }
.site-footer a:hover { color: #7FD3CC; text-decoration: underline; }
.legal { border-top: 1px solid rgba(250, 249, 246, .16); margin-top: 40px; padding-top: 24px; display: grid; grid-template-columns: auto minmax(0, 1fr); gap: 18px; align-items: start; font-size: 0.8rem; line-height: 1.55; }
.legal p + p { margin-top: 8px; }
.ehl { width: 54px; height: 54px; color: var(--on-dark); }
@media (max-width: 860px) { .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 480px) { .footer-grid { grid-template-columns: 1fr; } .legal { grid-template-columns: 1fr; } }

/* Mobile sticky apply bar */
.mobile-bar { display: none; }
@media (max-width: 680px) {
  .mobile-bar { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 25; background: var(--card); border-top: 1px solid var(--line); padding: 10px 16px calc(10px + env(safe-area-inset-bottom, 0px)); gap: 10px; }
  .mobile-bar .btn { flex: 1; justify-content: center; padding: 12px 8px; font-variant-numeric: tabular-nums; white-space: nowrap; }
  .mobile-bar .btn-ghost { flex: 1.5; font-size: 0.95rem; gap: 6px; }
  .mobile-bar .btn svg { width: 16px; height: 16px; }
  body { padding-bottom: 72px; }
}

/* ---------- Fine Home Loan home page ---------- */
.ext { width: 12px; height: 12px; vertical-align: -1px; margin-left: 2px; }
.hero-meta { font-size: var(--step--1); color: var(--muted); }
.hero h1 { font-size: clamp(2.5rem, 5.4vw, 3.9rem); }

/* Loan officer card in the hero */
.lo-card { background: var(--card); border: 1px solid var(--line); border-radius: 16px; overflow: hidden; display: grid; grid-template-columns: 150px minmax(0, 1fr); box-shadow: 0 22px 44px -30px rgba(23, 50, 77, .45); min-width: 0; }
.lo-card-photo { width: 100%; height: 100%; min-height: 220px; object-fit: cover; display: block; }
.initials { display: grid; place-items: center; background: linear-gradient(165deg, var(--navy) 0%, var(--navy-2) 100%); color: var(--on-dark); font-family: var(--f-display); font-size: 2.6rem; letter-spacing: .02em; }
.lo-card-body { padding: 22px 22px 20px; display: grid; gap: 4px; align-content: start; min-width: 0; }
.lo-card-label { font-size: 0.75rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; color: var(--teal-dark); }
.lo-card-name { font-family: var(--f-display); font-size: 1.6rem; color: var(--navy); font-weight: 600; line-height: 1.15; }
.lo-card-role { color: var(--muted); font-size: 0.92rem; }
.lo-card-facts { margin: 12px 0 8px; display: grid; gap: 0; border-top: 1px solid var(--line); }
.lo-card-facts div { display: grid; grid-template-columns: 92px minmax(0, 1fr); gap: 8px; padding: 8px 0; border-bottom: 1px solid var(--line); font-size: 0.9rem; }
.lo-card-facts dt { color: var(--muted); }
.lo-card-facts dd { margin: 0; color: var(--navy); font-weight: 600; overflow-wrap: anywhere; font-variant-numeric: tabular-nums; }
.lo-card-facts dd a { font-weight: 600; }
.lo-card-more { font-weight: 700; font-size: 0.95rem; text-decoration: none; }
@media (max-width: 460px) { .lo-card { grid-template-columns: 1fr; } .lo-card-photo { min-height: 0; aspect-ratio: 16 / 9; max-height: 180px; } .initials.lo-card-photo { aspect-ratio: auto; height: 120px; } }

/* Assurance strip */
.assure { background: var(--card); border-block: 1px solid var(--line); }
.assure-row { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); }
.assure-row li { min-width: 0; }
.assure-row li + li { border-left: 1px solid var(--line); }
.assure-row a { display: flex; gap: 12px; align-items: flex-start; padding: 20px 18px; text-decoration: none; color: var(--ink); height: 100%; transition: background-color .15s ease; }
.assure-row a:hover { background: var(--teal-tint); color: var(--ink); }
.assure-row svg { width: 24px; height: 24px; color: var(--teal); flex: none; margin-top: 1px; }
.assure-row strong { display: block; color: var(--navy); font-size: 0.98rem; }
.assure-row span span { display: block; font-size: 0.85rem; color: var(--muted); margin-top: 2px; }
@media (max-width: 900px) { .assure-row { grid-template-columns: repeat(2, minmax(0, 1fr)); } .assure-row li:nth-child(3) { border-left: 0; } .assure-row li:nth-child(n+3) { border-top: 1px solid var(--line); } }
@media (max-width: 460px) { .assure-row { grid-template-columns: 1fr; } .assure-row li + li { border-left: 0; border-top: 1px solid var(--line); } .assure-row a { padding: 14px 4px; } }

/* Six loan options */
.loan-grid.six { grid-template-columns: repeat(3, minmax(0, 1fr)); }
@media (max-width: 900px) { .loan-grid.six { grid-template-columns: repeat(2, minmax(0, 1fr)); } }
@media (max-width: 540px) { .loan-grid.six { grid-template-columns: 1fr; } }
.compare { margin-top: 24px; }
.compare summary { cursor: pointer; font-weight: 700; color: var(--teal-dark); padding: 8px 0; width: fit-content; }
.compare[open] summary { margin-bottom: 12px; }

/* Four things to understand */
.walk { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 0; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); counter-reset: walk; }
.walk li { padding: 22px 20px; display: grid; gap: 6px; align-content: start; counter-increment: walk; min-width: 0; }
.walk li + li { border-left: 1px solid var(--line); }
.walk h3 { font-family: var(--f-body); font-size: 1.02rem; font-weight: 700; }
.walk h3::before { content: counter(walk) ". "; color: var(--teal); }
.walk p { font-size: 0.93rem; color: var(--muted); }
@media (max-width: 900px) { .walk { grid-template-columns: repeat(2, minmax(0, 1fr)); } .walk li:nth-child(3) { border-left: 0; } .walk li:nth-child(n+3) { border-top: 1px solid var(--line); } }
@media (max-width: 520px) { .walk { grid-template-columns: 1fr; } .walk li + li { border-left: 0; border-top: 1px solid var(--line); } }
.calc-anchor { scroll-margin-top: 90px; }
section[id] { scroll-margin-top: 80px; }

/* Loan Estimate sheets */
.le-sheets { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.sheet { background: var(--card); border: 1px solid var(--line); border-radius: 4px; padding: 0 20px 20px; box-shadow: 0 1px 0 var(--line), 0 14px 30px -26px rgba(23, 50, 77, .5); display: grid; gap: 12px; align-content: start; min-width: 0; }
.sheet-head { display: flex; justify-content: space-between; gap: 8px; margin-inline: -20px; padding: 10px 20px; border-bottom: 2px solid var(--navy); font-size: 0.72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--navy); }
.sheet-head span:last-child { color: var(--muted); }
.sheet h3 { font-size: var(--step-1); }
.sheet-lines { margin: 0; display: grid; gap: 0; }
.sheet-lines div { padding: 10px 0; border-top: 1px dashed var(--line); display: grid; gap: 2px; }
.sheet-lines dt { font-weight: 700; color: var(--teal-dark); font-size: 0.88rem; }
.sheet-lines dd { margin: 0; font-size: 0.93rem; }
.le-foot { margin-top: 24px; display: flex; flex-wrap: wrap; gap: 16px 24px; align-items: center; justify-content: space-between; }
.le-foot p { max-width: 70ch; color: var(--muted); font-size: 0.95rem; min-width: 0; flex: 1 1 320px; }
@media (max-width: 900px) { .le-sheets { grid-template-columns: 1fr; } }

/* Meet Brian */
.meet { display: grid; grid-template-columns: 220px minmax(0, 1.3fr) minmax(0, 1fr); gap: 36px; align-items: start; }
.meet-photo { min-width: 0; }
.meet-img { width: 100%; max-width: 100%; aspect-ratio: 4 / 5; border-radius: 14px; object-fit: cover; display: block; }
.meet-copy { display: grid; gap: 14px; min-width: 0; }
.creds { background: var(--panel); border-radius: 14px; padding: 22px; display: grid; gap: 12px; min-width: 0; }
.creds h3 { font-family: var(--f-body); font-size: 1rem; font-weight: 700; }
.creds dl { margin: 0; display: grid; }
.creds dl div { padding: 10px 0; border-top: 1px solid var(--line); display: grid; gap: 2px; }
.creds dt { font-size: 0.78rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--muted); }
.creds dd { margin: 0; display: flex; flex-wrap: wrap; justify-content: space-between; gap: 4px 12px; color: var(--navy); font-weight: 600; font-size: 0.93rem; }
.creds dd a { font-size: 0.88rem; white-space: nowrap; }
.creds-note { font-size: 0.8rem; color: var(--muted); }
@media (max-width: 1000px) { .meet { grid-template-columns: 200px minmax(0, 1fr); } .creds { grid-column: 1 / -1; } }
@media (max-width: 620px) { .meet { grid-template-columns: 1fr; } .meet-photo { max-width: 180px; } }

/* Reviews */
.reviews { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 20px; }
.review { margin: 0; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 22px; display: grid; gap: 12px; align-content: start; min-width: 0; }
.review blockquote { margin: 0; font-size: 1rem; }
.review figcaption { display: grid; gap: 2px; font-size: 0.88rem; color: var(--muted); }
.review figcaption strong { color: var(--navy); }
.stars { color: var(--gold); letter-spacing: 2px; }
.review-empty { border: 2px dashed var(--line); border-radius: var(--radius); padding: 24px; display: grid; gap: 8px; max-width: 760px; color: var(--muted); }
.review-empty strong { color: var(--navy); }
@media (max-width: 900px) { .reviews { grid-template-columns: 1fr; } }

/* Talk with a loan officer */
.talk { background: var(--navy); color: var(--on-dark); padding-block: 64px; }
.talk-head { display: grid; gap: 12px; max-width: 720px; margin-bottom: 32px; }
.talk-head .eyebrow { color: #7FD3CC; }
.talk h2 { color: var(--on-dark); font-size: var(--step-4); }
.talk-head p:last-child { color: var(--on-dark-muted); }
.talk-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 0; border-top: 1px solid rgba(250, 249, 246, .18); }
.talk-item { display: grid; gap: 6px; align-content: start; padding: 22px 24px 4px 0; min-width: 0; }
.talk-item + .talk-item { padding-left: 24px; border-left: 1px solid rgba(250, 249, 246, .18); }
.talk-label { font-size: 0.78rem; font-weight: 700; letter-spacing: .09em; text-transform: uppercase; color: var(--on-dark-muted); }
.talk-value { color: var(--on-dark); font-family: var(--f-display); font-size: clamp(1.3rem, 2.4vw, 1.8rem); text-decoration: none; overflow-wrap: anywhere; font-variant-numeric: tabular-nums; }
.talk-value:hover { color: #7FD3CC; }
.talk-item .btn { width: fit-content; }
.talk-sub { font-size: 0.88rem; color: var(--on-dark-muted); }
@media (max-width: 820px) { .talk-grid { grid-template-columns: 1fr; } .talk-item, .talk-item + .talk-item { padding: 18px 0; border-left: 0; } .talk-item + .talk-item { border-top: 1px solid rgba(250, 249, 246, .18); } }