/* Self-hosted fonts (no third-party requests) */
@font-face{font-family:'Cabinet Grotesk';src:url('assets/fonts/cabinet-800.woff2') format('woff2');font-weight:800;font-style:normal;font-display:swap}
@font-face{font-family:'Satoshi';src:url('assets/fonts/satoshi-400.woff2') format('woff2');font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:'Satoshi';src:url('assets/fonts/satoshi-500.woff2') format('woff2');font-weight:500;font-style:normal;font-display:swap}
@font-face{font-family:'Satoshi';src:url('assets/fonts/satoshi-700.woff2') format('woff2');font-weight:700;font-style:normal;font-display:swap}
@font-face{font-family:'Atkinson Hyperlegible';src:url('assets/fonts/ah400.woff2') format('woff2');font-weight:400;font-style:normal;font-display:swap}
@font-face{font-family:'Atkinson Hyperlegible';src:url('assets/fonts/ah700.woff2') format('woff2');font-weight:700;font-style:normal;font-display:swap}
/* oNEST Lending Solution — brand: navy #212832, teal #00ADB4, gold #FFC20E */
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:5rem}
body{margin:0;font-family:'Satoshi',system-ui,-apple-system,'Segoe UI',sans-serif;font-size:var(--text-base);line-height:1.6;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
h1,h2,h3,h4,p,ul,ol,figure{margin:0}
ul,ol{padding:0;list-style:none}
button,input,select,textarea{font:inherit;color:inherit}

:root{
  --text-xs:clamp(0.75rem,0.7rem + 0.25vw,0.875rem);
  --text-sm:clamp(0.875rem,0.8rem + 0.35vw,1rem);
  --text-base:clamp(1rem,0.95rem + 0.25vw,1.125rem);
  --text-lg:clamp(1.125rem,1rem + 0.75vw,1.5rem);
  --text-xl:clamp(1.5rem,1.2rem + 1.25vw,2.25rem);
  --text-2xl:clamp(2rem,1.2rem + 2.5vw,3.5rem);
  --text-hero:clamp(2.5rem,1rem + 4.6vw,4.75rem);

  --space-1:.25rem;--space-2:.5rem;--space-3:.75rem;--space-4:1rem;--space-5:1.25rem;--space-6:1.5rem;
  --space-8:2rem;--space-10:2.5rem;--space-12:3rem;--space-16:4rem;--space-20:5rem;--space-24:6rem;--space-32:8rem;

  --navy:#212832;--navy-2:#2b3440;--navy-3:#171c23;
  --teal:#00adb4;--teal-ink:#00767c;--teal-soft:#e3f4f5;
  --gold:#ffc20e;--gold-hover:#ffd24d;
  --bg:#ffffff;--tint:#f3f6f7;--ink:#1b222b;--muted:#566270;--line:#dde3e7;

  --font-display:'Cabinet Grotesk','Satoshi',system-ui,sans-serif;
  --radius:14px;--radius-sm:10px;
  --shadow:0 1px 2px rgba(23,28,35,.06),0 8px 24px rgba(23,28,35,.08);
  --ease:cubic-bezier(.16,1,.3,1);
}

.wrap{width:min(1180px,100% - 2*var(--space-6));margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:var(--gold);color:var(--navy);padding:var(--space-2) var(--space-4);z-index:100;font-weight:700}
.skip:focus{left:var(--space-4);top:var(--space-4)}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px;border-radius:4px}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:var(--space-2);min-height:48px;padding:0 var(--space-6);border-radius:999px;border:2px solid transparent;font-weight:700;font-size:var(--text-sm);text-decoration:none;cursor:pointer;transition:background .2s,color .2s,transform .2s var(--ease),border-color .2s;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-sm{min-height:42px;padding:0 var(--space-5)}
.btn-block{width:100%}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-gold:hover{background:var(--gold-hover)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2)}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{border-color:#fff;background:rgba(255,255,255,.08)}
.btn-ghost-dark{border-color:var(--line);color:var(--navy);background:#fff}
.btn-ghost-dark:hover{border-color:var(--navy)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(33,40,50,.96);backdrop-filter:blur(10px);border-bottom:1px solid rgba(255,255,255,.08)}
.header-row{display:flex;align-items:center;gap:var(--space-8);min-height:76px}
.brand img{height:46px;width:auto}
.nav{display:flex;gap:var(--space-6);margin-left:auto}
.nav a{color:rgba(255,255,255,.85);text-decoration:none;font-size:var(--text-sm);font-weight:500;padding:var(--space-2) 0;border-bottom:2px solid transparent;transition:color .2s,border-color .2s}
.nav a:hover{color:#fff;border-color:var(--teal)}
.header-cta{display:flex;align-items:center;gap:var(--space-5)}
.header-phone{color:#fff;text-decoration:none;font-weight:700;font-size:var(--text-sm);white-space:nowrap}
.header-phone:hover{color:var(--gold)}
.menu-btn{display:none;width:48px;height:48px;border:0;background:transparent;cursor:pointer;margin-left:auto;padding:0;position:relative}
.menu-btn span{position:absolute;left:12px;right:12px;height:2px;background:#fff;border-radius:2px;transition:transform .3s var(--ease),opacity .2s}
.menu-btn span:nth-child(1){top:16px}.menu-btn span:nth-child(2){top:23px}.menu-btn span:nth-child(3){top:30px}
.menu-btn[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.menu-btn[aria-expanded="true"] span:nth-child(2){opacity:0}
.menu-btn[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}

/* Hero */
.hero{position:relative;overflow:hidden;background:var(--navy);color:#fff;padding-block:clamp(var(--space-12),7vw,var(--space-24))}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(60% 80% at 85% 20%,rgba(0,173,180,.22),transparent 60%),radial-gradient(40% 50% at 0% 100%,rgba(255,194,14,.08),transparent 60%);pointer-events:none}
.hero-mark{position:absolute;left:-90px;bottom:-110px;width:min(420px,50vw);opacity:.05;pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:var(--space-12);align-items:center}
.eyebrow{font-size:var(--text-xs);letter-spacing:.14em;text-transform:uppercase;color:var(--gold);font-weight:700;margin-bottom:var(--space-5)}
.hero h1{font-family:var(--font-display);font-weight:800;font-size:var(--text-hero);line-height:1.02;letter-spacing:-.02em;text-wrap:balance}
.lead{margin-top:var(--space-6);max-width:56ch;font-size:var(--text-lg);line-height:1.5;color:rgba(255,255,255,.82)}
.hero-actions{display:flex;flex-wrap:wrap;gap:var(--space-3);margin-top:var(--space-8)}

.hero-faces{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-5);max-width:440px;margin-inline:auto;width:100%}
.face{aspect-ratio:1;border-radius:50%;padding:5px;background:var(--gold);box-shadow:0 18px 40px rgba(0,0,0,.35)}
.face img{width:100%;height:100%;object-fit:cover;border-radius:50%;border:4px solid var(--navy)}
.face.f2{background:var(--teal);transform:translateY(28px)}
.face.f3{background:var(--teal)}
.face.f4{transform:translateY(28px)}
.hero-faces{padding-bottom:28px}

/* Strip */
.strip{background:var(--navy-3);color:#fff;border-top:1px solid rgba(255,255,255,.08)}
.strip-row{display:flex;align-items:center;gap:var(--space-5);padding-block:var(--space-5);flex-wrap:wrap}
.strip-ehl{height:44px;width:auto}
.strip-row p{font-size:var(--text-sm);color:rgba(255,255,255,.85);flex:1;min-width:240px}
.strip-row strong{color:#fff}
.strip-link{font-size:var(--text-sm);color:var(--teal);font-weight:700;text-decoration:none;border-bottom:1px solid currentColor}
.strip-link:hover{color:var(--gold)}

/* Sections */
.section{padding-block:clamp(var(--space-16),9vw,var(--space-32))}
.section-tint{background:var(--tint)}
.section-dark{background:var(--navy);color:#fff}
.section-head{max-width:760px;margin-bottom:var(--space-12)}
.kicker{font-size:var(--text-xs);text-transform:uppercase;letter-spacing:.14em;font-weight:700;color:var(--teal-ink);margin-bottom:var(--space-3)}
.kicker-light{color:var(--teal)}
h2{font-family:var(--font-display);font-weight:800;font-size:var(--text-2xl);line-height:1.08;letter-spacing:-.015em;text-wrap:balance}
.section-sub{margin-top:var(--space-4);font-size:var(--text-base);color:var(--muted);max-width:62ch}
h3{font-family:var(--font-body,'Satoshi',sans-serif);font-weight:700;font-size:var(--text-lg);line-height:1.25}
.fineprint{margin-top:var(--space-8);font-size:var(--text-xs);color:var(--muted);max-width:80ch}

/* Programs */
.programs{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-4)}
.program{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:var(--space-6);display:flex;flex-direction:column;gap:var(--space-3);transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s}
.program:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--teal)}
.program svg{width:30px;height:30px;fill:none;stroke:var(--teal-ink);stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.program p{font-size:var(--text-sm);color:var(--muted);line-height:1.55}
.program-lead{grid-column:span 2;background:var(--navy);border-color:var(--navy);color:#fff}
.program-lead:hover{border-color:var(--gold)}
.program-lead svg{stroke:var(--gold);width:36px;height:36px}
.program-lead h3{font-family:var(--font-display);font-size:var(--text-xl);font-weight:800}
.program-lead p{color:rgba(255,255,255,.8);font-size:var(--text-base);max-width:44ch}
.text-link{margin-top:auto;padding-top:var(--space-3);color:var(--gold);font-weight:700;font-size:var(--text-sm);text-decoration:none}
.text-link::after{content:" \2192"}
.text-link:hover{text-decoration:underline}

/* Team */
.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-5)}
.member{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:box-shadow .3s var(--ease),transform .3s var(--ease)}
.member:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.member-top{background:var(--tint);padding:var(--space-6) var(--space-5) var(--space-5);border-bottom:1px solid var(--line)}
.member-photo{width:160px;height:160px;aspect-ratio:1;object-fit:cover;border-radius:50%;border:4px solid var(--navy);box-shadow:0 0 0 3px var(--gold);background:#fff;margin:3px}
.member:nth-child(even) .member-photo{box-shadow:0 0 0 3px var(--teal)}
.member-body{padding:var(--space-5);display:flex;flex-direction:column;gap:var(--space-1);flex:1}
.member h3{font-family:var(--font-display);font-weight:800;font-size:var(--text-lg)}
.member-role{font-size:var(--text-sm);font-weight:700;color:var(--teal-ink);line-height:1.35}
.member-nmls{font-size:var(--text-xs);color:var(--muted);letter-spacing:.04em;font-weight:500}
.member-note{font-size:var(--text-sm);color:var(--muted);margin-top:var(--space-2)}
.member-contact{margin-block:var(--space-3) var(--space-4);display:grid;gap:var(--space-1);font-size:var(--text-sm);overflow-wrap:anywhere}
.member-contact a{text-decoration:none;color:var(--ink)}
.member-contact a:hover{color:var(--teal-ink);text-decoration:underline}


.join{margin-top:var(--space-12);display:flex;justify-content:space-between;align-items:center;gap:var(--space-6);flex-wrap:wrap;background:var(--teal-soft);border:1px solid #b9e3e5;border-radius:var(--radius);padding:var(--space-8)}
.join h3{font-family:var(--font-display);font-weight:800;font-size:var(--text-xl);line-height:1.15}
.join p{margin-top:var(--space-2);color:var(--muted);max-width:60ch;font-size:var(--text-base)}

/* Areas */
.areas-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-16);align-items:center}
.areas-copy p{margin-top:var(--space-5);color:rgba(255,255,255,.8);max-width:52ch}
.areas-copy h2{margin-top:0}
.areas-copy .areas-note{font-size:var(--text-sm);color:rgba(255,255,255,.62);border-left:3px solid var(--gold);padding-left:var(--space-4)}
.states{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-3)}
.states li{background:var(--navy-2);border:1px solid rgba(255,255,255,.08);border-radius:var(--radius-sm);padding:var(--space-5);display:grid;gap:2px;transition:border-color .3s,transform .3s var(--ease)}
.states li:hover{border-color:var(--teal);transform:translateY(-2px)}
.abbr{font-family:var(--font-display);font-weight:800;font-size:var(--text-2xl);line-height:1;color:var(--teal);letter-spacing:-.02em}
.state-name{font-weight:700;margin-top:var(--space-2)}
.lic{font-size:var(--text-xs);color:rgba(255,255,255,.6)}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-8);counter-reset:s;position:relative}
.steps li{position:relative;padding-top:var(--space-6);border-top:3px solid var(--navy)}
.steps li:nth-child(odd){border-top-color:var(--teal)}
.step-n{font-family:var(--font-display);font-weight:800;font-size:var(--text-xl);color:var(--teal-ink);display:block;margin-bottom:var(--space-3)}
.steps h3{margin-bottom:var(--space-2)}
.steps p{font-size:var(--text-sm);color:var(--muted);line-height:1.6}

/* Contact */
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:var(--space-16);align-items:start}
.contact-copy{position:sticky;top:7rem}
.contact-list{margin-top:var(--space-8);display:grid;gap:var(--space-5)}
.contact-list li{display:flex;gap:var(--space-4);align-items:flex-start;font-size:var(--text-base)}
.contact-list svg{flex:none;width:44px;height:44px;padding:11px;border-radius:50%;background:var(--navy);stroke:var(--gold);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.contact-list a{text-decoration:none;font-weight:700;align-self:center}
.contact-list a:hover{color:var(--teal-ink);text-decoration:underline}
.contact-list span{align-self:center;line-height:1.45}

.form{background:var(--tint);border:1px solid var(--line);border-radius:var(--radius);padding:clamp(var(--space-5),4vw,var(--space-10));display:grid;gap:var(--space-4)}
.form-title{font-family:var(--font-display);font-weight:800;font-size:var(--text-xl)}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-4)}
.field{display:grid;gap:var(--space-1);min-width:0}
.field label{font-size:var(--text-sm);font-weight:700}
.opt{font-weight:400;color:var(--muted)}
.field input,.field select,.field textarea{width:100%;min-height:48px;padding:var(--space-3) var(--space-4);background:#fff;border:1.5px solid #c5cdd3;border-radius:var(--radius-sm);transition:border-color .2s,box-shadow .2s}
.field textarea{resize:vertical;min-height:96px}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(0,173,180,.25)}
.field.invalid input,.field.invalid select{border-color:#b3261e}
.err{font-size:var(--text-xs);color:#b3261e;min-height:0}
.form-note{font-size:var(--text-xs);color:var(--muted)}
.form-done{margin-top:var(--space-2);background:#fff;border:1.5px solid var(--teal);border-radius:var(--radius-sm);padding:var(--space-5);display:grid;gap:var(--space-3)}
.form-done[hidden]{display:none}
.form-done h4{font-family:var(--font-display);font-weight:800;font-size:var(--text-lg);margin:0}
.form-done p{font-size:var(--text-sm);color:var(--muted)}
.done-actions{display:flex;flex-wrap:wrap;gap:var(--space-3)}
.done-preview{margin:0;white-space:pre-wrap;word-break:break-word;font-family:inherit;font-size:var(--text-xs);background:var(--tint);border-radius:var(--radius-sm);padding:var(--space-4);user-select:all;max-height:220px;overflow:auto}
.done-to{font-size:var(--text-xs)!important}

/* Footer */
.footer{background:var(--navy-3);color:rgba(255,255,255,.78);padding-block:var(--space-16) var(--space-10)}
.footer-top{display:grid;grid-template-columns:1.2fr 1fr 1.2fr 1.3fr;gap:var(--space-10);align-items:start;padding-bottom:var(--space-10);border-bottom:1px solid rgba(255,255,255,.12)}
.footer-logo{width:200px}
.footer-ehl{height:72px;width:auto;margin-top:var(--space-5)}
.legal{margin-top:var(--space-8);display:grid;gap:var(--space-3);font-size:var(--text-xs);line-height:1.65;max-width:95ch;color:rgba(255,255,255,.66)}
.legal a{color:var(--teal)}
.legal strong{color:#fff}
.legal .copy{margin-top:var(--space-2)}

/* Reveal (content visible by default; only hides when JS has marked the page) */
.js .reveal{opacity:0;transform:translateY(16px);transition:opacity .7s var(--ease),transform .7s var(--ease)}
.js .reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .js .reveal{opacity:1;transform:none;transition:none}
  *{animation:none!important}
}

/* Responsive */
@media (max-width:1080px){
  .nav{gap:var(--space-4)}
  .header-phone{display:none}
  .team-grid{grid-template-columns:repeat(2,1fr)}
  .programs{grid-template-columns:repeat(2,1fr)}
  .programs .program:last-child{grid-column:span 2}
  .steps{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:860px){
  .menu-btn{display:block}
  .header-cta{display:none}
  .nav{position:absolute;left:0;right:0;top:100%;flex-direction:column;gap:0;background:var(--navy);padding:var(--space-2) var(--space-6) var(--space-6);border-bottom:1px solid rgba(255,255,255,.1);display:none;margin:0}
  .nav.open{display:flex}
  .nav a{padding:var(--space-4) 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:var(--text-base)}
  .hero-grid,.areas-grid,.contact-grid{grid-template-columns:1fr;gap:var(--space-10)}
  .contact-copy{position:static}
  .hero-faces{max-width:340px}
  .footer-top{grid-template-columns:1fr 1fr;gap:var(--space-8)}
}
@media (max-width:560px){
  .wrap{width:min(1180px,100% - 2*var(--space-5))}
  .team-grid,.programs,.steps,.field-row{grid-template-columns:1fr}
  .program-lead{grid-column:auto}
  .programs .program:last-child{grid-column:auto}
  .brand img{height:40px}
  .hero-actions .btn{flex:1 1 100%}
  .member{flex-direction:row;align-items:stretch}
  .member-top{border-bottom:0;border-right:1px solid var(--line);padding:var(--space-5) var(--space-3);display:flex;align-items:flex-start;flex:none}
  .member-photo{width:84px;height:84px;border-width:3px}
  .member-body{padding:var(--space-4)}
  .member-contact{font-size:var(--text-xs)}
  .join{padding:var(--space-6)}
  .join .btn{width:100%}
  .states li{padding:var(--space-4)}
}

/* ======== v2: multi-page, blog, loan officer pages, legal, consent, accessibility ======== */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.link-btn{background:none;border:0;padding:0;color:inherit;font:inherit;font-weight:500;text-decoration:none;cursor:pointer;text-align:left}
.link-btn:hover{color:var(--gold);text-decoration:underline}
.link-btn.inline{color:var(--teal-ink);font-weight:700;text-decoration:underline}
.link-btn.inline:hover{color:var(--navy)}
.text-link-dark{color:var(--teal-ink);padding-top:var(--space-2)}
.text-link-dark:hover{color:var(--navy)}
.h2-s{font-size:var(--text-xl);margin-bottom:var(--space-4)}
.h3-s{margin:var(--space-6) 0 var(--space-3);font-size:var(--text-lg)}
.h2-s+p,.h3-s+p{margin-top:0}

/* Header additions */
.icon-btn{display:inline-flex;align-items:center;gap:var(--space-2);min-height:44px;min-width:44px;padding:0 var(--space-3);border:1.5px solid rgba(255,255,255,.28);border-radius:999px;background:transparent;color:#fff;cursor:pointer;font-weight:700;font-size:var(--text-sm);justify-content:center;transition:border-color .2s,background .2s}
.icon-btn:hover{border-color:var(--gold);background:rgba(255,255,255,.06)}
.icon-btn svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;flex:none}
.icon-btn-label{display:none}
.site-header :focus-visible,.hero :focus-visible,.footer :focus-visible,.section-dark :focus-visible,.sub-hero :focus-visible,.lo-hero :focus-visible{outline-color:var(--gold)}
.nav-apply{display:none}
.nav{margin-left:auto}
@media (min-width:1280px){.icon-btn-label{display:inline}}
@media (max-width:1180px){.header-phone{display:none}}
@media (max-width:860px){
  .icon-btn{margin-left:auto}
  .menu-btn{margin-left:0}
  .nav-apply{display:block;color:var(--gold)!important;font-weight:700!important}
}

/* Footer columns */
.footer-h{font-family:var(--font-display);font-weight:800;font-size:var(--text-base);color:#fff;margin-bottom:var(--space-4);letter-spacing:0}
.footer-col ul{display:grid;gap:var(--space-2)}
.footer-col a,.footer-col .link-btn{font-size:var(--text-sm);text-decoration:none;font-weight:500;color:rgba(255,255,255,.82)}
.footer-col a:hover,.footer-col .link-btn:hover{color:var(--gold);text-decoration:underline}
.footer-team li{font-size:var(--text-sm)}
.footer-team span{display:block;font-size:var(--text-xs);color:rgba(255,255,255,.62)}
.footer-brand{display:flex;flex-direction:column;align-items:flex-start}

/* Team card additions */
.member h3 a{text-decoration:none}
.member h3 a:hover{color:var(--teal-ink);text-decoration:underline}
.member-actions{display:flex;flex-wrap:wrap;gap:var(--space-2);margin-top:auto}
.member .text-link-dark::after{content:" \2192"}
.member .text-link{margin-top:var(--space-2);padding-top:0}

/* Sub-page hero */
.sub-hero{background:var(--navy);color:#fff;padding-block:clamp(var(--space-10),5vw,var(--space-16));position:relative;overflow:hidden}
.sub-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(50% 90% at 90% 0%,rgba(0,173,180,.2),transparent 60%);pointer-events:none}
.sub-hero .wrap{position:relative}
.sub-hero h1{font-family:var(--font-display);font-weight:800;font-size:var(--text-2xl);line-height:1.08;letter-spacing:-.015em;max-width:24ch;text-wrap:balance}
.sub-hero .lead{max-width:60ch}
.sub-hero .hero-actions{margin-top:var(--space-6)}
.post-meta{margin-top:var(--space-4);font-size:var(--text-sm);color:rgba(255,255,255,.75)}
.crumbs{margin-bottom:var(--space-5);font-size:var(--text-sm)}
.crumbs ol{display:flex;flex-wrap:wrap;gap:var(--space-2);color:rgba(255,255,255,.75)}
.crumbs li+li::before{content:"/";margin-right:var(--space-2);opacity:.6}
.crumbs a{color:rgba(255,255,255,.9);text-decoration:underline;text-underline-offset:3px}
.crumbs a:hover{color:var(--gold)}

/* Prose (blog and legal pages) */
.doc-wrap,.post-wrap{max-width:1080px}
.post-wrap{display:grid;grid-template-columns:minmax(0,1fr) 260px;gap:var(--space-12);align-items:start}
.prose{max-width:72ch;font-size:var(--text-base);line-height:1.7}
.prose h2{font-size:var(--text-xl);margin:var(--space-10) 0 var(--space-4);text-wrap:balance}
.prose h3{margin:var(--space-6) 0 var(--space-2);font-family:var(--font-display);font-weight:800}
.prose p{margin-top:var(--space-4)}
.prose h2+p,.prose h3+p{margin-top:0}
.prose a{color:var(--teal-ink);text-decoration:underline;text-underline-offset:3px}
.prose a:hover{color:var(--navy)}
.prose a.btn{text-decoration:none}
.prose a.btn-gold{color:var(--navy)}
.post-lead{font-size:var(--text-lg);line-height:1.5;color:var(--ink);margin-top:0!important}
.bullets,.numbered{margin-top:var(--space-4);padding-left:1.25rem;display:grid;gap:var(--space-2)}
.bullets{list-style:disc}
.numbered{list-style:decimal}
.bullets li::marker{color:var(--teal-ink)}
.numbered li::marker{color:var(--teal-ink);font-weight:700}
.post-cat{display:inline-block;font-size:var(--text-xs);text-transform:uppercase;letter-spacing:.12em;font-weight:700;color:var(--teal-ink)}
.post-cat-light{color:var(--gold);margin-bottom:var(--space-3)}
.sources{margin-top:var(--space-12);padding:var(--space-6);background:var(--tint);border-radius:var(--radius);border:1px solid var(--line)}
.sources h2{margin:0 0 var(--space-3);font-size:var(--text-lg)}
.sources ul{display:grid;gap:var(--space-2);font-size:var(--text-sm);list-style:disc;padding-left:1.25rem}
.cta-band{margin-top:var(--space-8);padding:var(--space-8);background:var(--navy);color:#fff;border-radius:var(--radius);display:flex;gap:var(--space-6);justify-content:space-between;align-items:center;flex-wrap:wrap}
.cta-band h2{margin:0;font-size:var(--text-xl);color:#fff}
.cta-band p{margin-top:var(--space-2);color:rgba(255,255,255,.8)}
.prose .fineprint{margin-top:var(--space-8)}
.post-side{position:sticky;top:6.5rem;padding:var(--space-5);border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.post-side ul{display:grid;gap:var(--space-3);font-size:var(--text-sm)}
.post-side a{text-decoration:none;color:var(--ink);font-weight:500}
.post-side a:hover{color:var(--teal-ink);text-decoration:underline}
.post-side .h3-s{margin-top:0}

/* Comparison table (div-based, responsive) */
.compare{margin-top:var(--space-6);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;font-size:var(--text-sm)}
.compare-row{display:grid;grid-template-columns:.8fr 1.1fr 1.1fr}
.compare-row>span{padding:var(--space-3) var(--space-4);border-top:1px solid var(--line)}
.compare-row>span:first-child{font-weight:700;background:var(--tint)}
.compare-head>span{background:var(--navy)!important;color:#fff;font-weight:700;border-top:0}

/* Tables (legal) */
.table-wrap{margin-top:var(--space-4);overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius-sm)}
table{border-collapse:collapse;width:100%;font-size:var(--text-sm)}
th,td{padding:var(--space-3) var(--space-4);text-align:left;border-top:1px solid var(--line);vertical-align:top}
thead th{background:var(--navy);color:#fff;border-top:0}
tbody th{font-weight:700}
code{font-family:ui-monospace,SFMono-Regular,Menlo,monospace;font-size:.9em;background:var(--tint);padding:1px 6px;border-radius:4px}

/* Blog cards */
.post-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-5)}
.post-grid-lg{grid-template-columns:repeat(2,1fr)}
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s}
.post-card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--teal)}
.post-card-link{display:flex;flex-direction:column;gap:var(--space-3);padding:var(--space-6);height:100%;text-decoration:none;color:inherit;border-radius:var(--radius)}
.post-card h2,.post-card h3{font-family:var(--font-display);font-weight:800;font-size:var(--text-lg);line-height:1.2;letter-spacing:-.005em;text-wrap:balance}
.post-card p{font-size:var(--text-sm);color:var(--muted)}
.post-more{margin-top:auto;font-size:var(--text-sm);font-weight:700;color:var(--teal-ink)}
.post-card:hover .post-more{text-decoration:underline}
.more-link{margin-top:var(--space-8)}
.more-link .text-link{padding-top:0}
.more-link .text-link::after{content:" \2192"}

/* FAQ */
.faq-wrap{max-width:860px}
.faq-list{display:grid;gap:var(--space-3)}
.faq-item{border:1px solid var(--line);border-radius:var(--radius-sm);background:#fff}
.faq-item summary{cursor:pointer;list-style:none;padding:var(--space-5) var(--space-6);font-weight:700;font-size:var(--text-base);display:flex;justify-content:space-between;gap:var(--space-4);align-items:center;border-radius:var(--radius-sm)}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";font-size:1.5rem;line-height:1;color:var(--teal-ink);flex:none}
.faq-item[open] summary::after{content:"\2212"}
.faq-item p{padding:0 var(--space-6) var(--space-5);color:var(--muted)}

/* Loan officer page */
.lo-hero{background:var(--navy);color:#fff;padding-block:clamp(var(--space-8),5vw,var(--space-16));position:relative;overflow:hidden}
.lo-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(55% 90% at 90% 10%,rgba(0,173,180,.22),transparent 60%),radial-gradient(40% 60% at 0% 100%,rgba(255,194,14,.08),transparent 60%);pointer-events:none}
.lo-hero .wrap{position:relative}
.lo-hero-grid{display:grid;grid-template-columns:auto 1fr;gap:clamp(var(--space-6),4vw,var(--space-12));align-items:center}
.lo-photo{width:clamp(140px,22vw,240px);aspect-ratio:1;border-radius:50%;padding:6px;background:var(--gold);box-shadow:0 18px 40px rgba(0,0,0,.35)}
.lo-photo img{width:100%;height:100%;border-radius:50%;object-fit:cover;border:5px solid var(--navy)}
.lo-id h1{font-family:var(--font-display);font-weight:800;font-size:var(--text-2xl);line-height:1.05;letter-spacing:-.02em}
.lo-nmls{margin-top:var(--space-2);font-weight:700;font-size:var(--text-lg);color:var(--gold)}
.lo-co{margin-top:var(--space-2);font-size:var(--text-sm);color:rgba(255,255,255,.78)}
.lo-id .hero-actions{margin-top:var(--space-6)}
.lo-main{padding-block:clamp(var(--space-8),5vw,var(--space-16))}
.tablist{display:flex;gap:var(--space-2);border-bottom:2px solid var(--line);margin-bottom:var(--space-8);overflow-x:auto}
.tablist [role="tab"]{padding:var(--space-4) var(--space-6);font-weight:700;text-decoration:none;color:var(--muted);border-bottom:4px solid transparent;margin-bottom:-2px;white-space:nowrap;min-height:48px;display:inline-flex;align-items:center;border-radius:6px 6px 0 0}
.tablist [role="tab"]:hover{color:var(--navy)}
.tablist [role="tab"][aria-selected="true"]{color:var(--navy);border-bottom-color:var(--teal)}
.tab-panel{scroll-margin-top:6rem}
.tab-panel:focus-visible{outline-offset:6px}
.tab-panel[hidden]{display:none}
.tabs:not(.tabs-ready) .tab-panel+.tab-panel{margin-top:var(--space-12);padding-top:var(--space-8);border-top:1px solid var(--line)}
.two-col{display:grid;grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:clamp(var(--space-6),4vw,var(--space-12));align-items:start}
.two-col p{margin-top:var(--space-4);max-width:62ch}
.two-col .contact-list{margin-top:var(--space-4)}
.side-card{background:var(--tint);border:1px solid var(--line);border-radius:var(--radius);padding:var(--space-6)}
.side-card .h3-s:first-child{margin-top:0}
.side-card p{font-size:var(--text-sm)}
.lic-dl{display:grid;gap:var(--space-1);font-size:var(--text-sm)}
.lic-dl dt{font-size:var(--text-xs);text-transform:uppercase;letter-spacing:.1em;color:var(--muted);font-weight:700;margin-top:var(--space-3)}
.lic-dl dd{margin:0;font-weight:700}
.side-card a{color:var(--teal-ink);font-weight:700}
.chips,.state-chips{display:flex;flex-wrap:wrap;gap:var(--space-2);margin-top:var(--space-3)}
.chips li,.state-chips li{padding:var(--space-2) var(--space-4);border-radius:999px;background:#fff;border:1px solid var(--line);font-size:var(--text-sm);font-weight:500}
.chips li{background:var(--teal-soft);border-color:#b9e3e5}
.abbr-s{font-weight:700;color:var(--teal-ink);margin-right:var(--space-2)}
.apply-cta{margin-top:var(--space-6)!important}
.checklist{display:grid;gap:var(--space-4);margin-top:var(--space-4)}
.checklist li{position:relative;padding-left:2rem;display:grid;gap:2px;font-size:var(--text-sm)}
.checklist li::before{content:"";position:absolute;left:0;top:.2rem;width:1.2rem;height:1.2rem;border-radius:50%;background:var(--teal-ink) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='m6 12.500 4 4 8-9'/%3E%3C/svg%3E") center/70% no-repeat}
.checklist span{color:var(--muted)}
.choose-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:var(--space-5)}
.choose-card{display:flex;gap:var(--space-5);align-items:center;border:1px solid var(--line);border-radius:var(--radius);padding:var(--space-5);background:#fff}
.choose-card img{width:96px;height:96px;border-radius:50%;object-fit:cover;border:3px solid var(--navy);box-shadow:0 0 0 3px var(--gold);flex:none}
.choose-card .choose-name{font-size:var(--text-lg);font-family:var(--font-display);font-weight:800}
.choose-card .btn{margin-top:var(--space-3)}
.apply-extra{margin-top:var(--space-16)}
.contact-list a{color:var(--ink)}

/* Cookie notice */
.cookie-banner{position:fixed;left:var(--space-4);bottom:var(--space-4);z-index:80;max-width:min(540px,100% - 2*var(--space-4));background:var(--navy-3);color:#fff;border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);padding:var(--space-5);box-shadow:0 18px 50px rgba(0,0,0,.4);display:grid;gap:var(--space-4);font-size:var(--text-sm)}
.cookie-banner[hidden]{display:none}
.cookie-banner a{color:var(--gold)}
.cookie-actions{display:flex;flex-wrap:wrap;gap:var(--space-3)}
.cookie-banner :focus-visible{outline-color:var(--gold)}

/* Dialogs */
.dlg{border:0;padding:0;border-radius:var(--radius);width:min(560px,100% - 2*var(--space-4));max-height:min(90vh,760px);box-shadow:0 30px 80px rgba(0,0,0,.45);color:var(--ink);background:#fff}
.dlg::backdrop{background:rgba(23,28,35,.65)}
.dlg-head{display:flex;justify-content:space-between;align-items:center;padding:var(--space-5) var(--space-6);background:var(--navy);color:#fff;position:sticky;top:0;z-index:1}
.dlg-head h2{font-size:var(--text-lg);line-height:1.2}
.dlg-close{width:44px;height:44px;border-radius:50%;border:1.5px solid rgba(255,255,255,.35);background:transparent;color:#fff;font-size:1.6rem;line-height:1;cursor:pointer}
.dlg-close:hover{border-color:var(--gold)}
.dlg-close:focus-visible{outline-color:var(--gold)}
.dlg-body{padding:var(--space-6);display:grid;gap:var(--space-4);font-size:var(--text-sm)}
.dlg-body a{color:var(--teal-ink)}
.dlg-actions{display:flex;flex-wrap:wrap;gap:var(--space-3);margin-top:var(--space-2)}
.dlg-foot{font-size:var(--text-xs);color:var(--muted)}
.cookie-list{display:grid;gap:var(--space-3)}
.cookie-list li{border:1px solid var(--line);border-radius:var(--radius-sm);padding:var(--space-4)}
.cookie-list li>div{display:flex;justify-content:space-between;gap:var(--space-3);align-items:center;flex-wrap:wrap}
.cookie-list p{margin-top:var(--space-2);color:var(--muted)}
.pill{font-size:var(--text-xs);font-weight:700;padding:2px 10px;border-radius:999px;background:var(--tint);color:var(--muted);border:1px solid var(--line)}
.pill-on{background:var(--teal-soft);color:#00565b;border-color:#b9e3e5}
.gpc-status{padding:var(--space-4);background:var(--tint);border-radius:var(--radius-sm);border-left:4px solid var(--teal-ink)}
.a11y-row{display:flex;justify-content:space-between;align-items:center;gap:var(--space-4);padding:var(--space-3) 0;border-bottom:1px solid var(--line);min-height:56px}
.a11y-val{margin-left:var(--space-3);color:var(--muted);font-weight:500}
.stepper{display:flex;gap:var(--space-2)}
.stepper .btn{min-width:56px;padding:0 var(--space-4)}
.stepper .btn:disabled{opacity:.45;cursor:not-allowed}
.switch{width:56px;height:32px;border-radius:999px;border:0;background:#8a96a2;position:relative;cursor:pointer;flex:none;transition:background .2s}
.switch span{position:absolute;top:4px;left:4px;width:24px;height:24px;border-radius:50%;background:#fff;transition:transform .2s var(--ease)}
.switch[aria-checked="true"]{background:var(--teal-ink)}
.switch[aria-checked="true"] span{transform:translateX(24px)}

/* Accessibility modes (class on <html>) */
html.a11y-s1{font-size:112.5%}
html.a11y-s2{font-size:125%}
html.a11y-s3{font-size:150%}
html.a11y-links a:not(.btn):not(.brand){text-decoration:underline!important;text-underline-offset:3px}
html.a11y-font body,html.a11y-font button,html.a11y-font input,html.a11y-font select,html.a11y-font textarea{font-family:'Atkinson Hyperlegible','Satoshi',system-ui,sans-serif}
html.a11y-font h1,html.a11y-font h2,html.a11y-font h3,html.a11y-font .abbr,html.a11y-font .step-n,html.a11y-font .footer-h{font-family:'Atkinson Hyperlegible','Satoshi',system-ui,sans-serif;letter-spacing:0}
html.a11y-space body{line-height:1.9;letter-spacing:.02em;word-spacing:.08em}
html.a11y-space p,html.a11y-space li{line-height:1.9}
html.a11y-motion *,html.a11y-motion *::before,html.a11y-motion *::after{animation:none!important;transition:none!important;scroll-behavior:auto!important}
html.a11y-motion .js .reveal,html.a11y-motion.js .reveal{opacity:1!important;transform:none!important}
html.a11y-contrast{--ink:#000;--muted:#1a1a1a;--teal-ink:#004a4f;--line:#1a1a1a}
html.a11y-contrast body{background:#fff;color:#000}
html.a11y-contrast .section-tint,html.a11y-contrast .side-card,html.a11y-contrast .form,html.a11y-contrast .sources{background:#fff}
html.a11y-contrast .program,html.a11y-contrast .member,html.a11y-contrast .post-card,html.a11y-contrast .faq-item,html.a11y-contrast .side-card,html.a11y-contrast .form,html.a11y-contrast .sources,html.a11y-contrast .choose-card{border:2px solid #000}
html.a11y-contrast .field input,html.a11y-contrast .field select,html.a11y-contrast .field textarea{border:2px solid #000}
html.a11y-contrast .hero,html.a11y-contrast .section-dark,html.a11y-contrast .sub-hero,html.a11y-contrast .lo-hero,html.a11y-contrast .site-header,html.a11y-contrast .footer,html.a11y-contrast .strip{background:#000}
html.a11y-contrast .program-lead,html.a11y-contrast .cta-band{background:#000;border-color:#000}
html.a11y-contrast .lead,html.a11y-contrast .areas-copy p,html.a11y-contrast .legal,html.a11y-contrast .lic,html.a11y-contrast .legal *,html.a11y-contrast .footer-col a,html.a11y-contrast .footer-team span,html.a11y-contrast .post-meta,html.a11y-contrast .lo-co,html.a11y-contrast .nav a,html.a11y-contrast .program-lead p,html.a11y-contrast .cta-band p,html.a11y-contrast .areas-note,html.a11y-contrast .crumbs ol,html.a11y-contrast .strip-row p{color:#fff}
html.a11y-contrast .legal a,html.a11y-contrast .footer-col a,html.a11y-contrast .link-btn{text-decoration:underline}
html.a11y-contrast a:not(.btn){text-decoration:underline}
html.a11y-contrast .btn-gold{background:#ffd400;color:#000;border-color:#000}
html.a11y-contrast .btn-navy{background:#000;color:#fff}
html.a11y-contrast .abbr{color:#7fe9ee}
html.a11y-contrast .kicker,html.a11y-contrast .member-role,html.a11y-contrast .step-n{color:#004a4f}
html.a11y-contrast .kicker-light{color:#7fe9ee}
html.a11y-contrast :focus-visible{outline:4px solid #ff6a00;outline-offset:3px}

@media (prefers-contrast:more){:root{--muted:#2a323b;--line:#8d99a4}}

/* v2 responsive */
@media (max-width:1080px){
  .post-grid{grid-template-columns:repeat(2,1fr)}
  .footer-top{grid-template-columns:1fr 1fr}
}
@media (max-width:860px){
  .post-wrap{grid-template-columns:1fr}
  .post-side{position:static}
  .two-col{grid-template-columns:1fr}
  .choose-grid,.post-grid-lg{grid-template-columns:1fr}
  .lo-hero-grid{grid-template-columns:1fr;justify-items:start}
  .compare-row{grid-template-columns:1fr}
  .compare-row>span:first-child{background:var(--tint)}
  .compare-head{display:none}
  .cookie-banner{left:var(--space-3);right:var(--space-3);bottom:var(--space-3);max-width:none}
}
@media (max-width:560px){
  .post-grid{grid-template-columns:1fr}
  .footer-top{grid-template-columns:1fr}
  .member{flex-direction:row}
  .member-actions .btn{flex:1 1 auto}
  .choose-card{flex-direction:column;align-items:flex-start}
  .tablist [role="tab"]{padding-inline:var(--space-4)}
}
button.btn-ghost{background:transparent;cursor:pointer}
.nav a{white-space:nowrap}
html.a11y-s2 .header-phone,html.a11y-s3 .header-phone,html.a11y-s3 .icon-btn-label{display:none}
html.a11y-s3 .nav{gap:var(--space-4)}
.brand{flex:none}
.icon-btn-label{white-space:nowrap}
html.a11y-s3 .icon-btn-label{display:none}
/* larger text sizes collapse the nav earlier so the header never crowds */
html.a11y-s3 .menu-btn{display:block;margin-left:0}
html.a11y-s3 .header-cta{display:none}
html.a11y-s3 .icon-btn{margin-left:auto}
html.a11y-s3 .nav{position:absolute;left:0;right:0;top:100%;flex-direction:column;gap:0;background:var(--navy);padding:var(--space-2) var(--space-6) var(--space-6);border-bottom:1px solid rgba(255,255,255,.1);display:none;margin:0}
html.a11y-s3 .nav.open{display:flex}
html.a11y-s3 .nav a{padding:var(--space-4) 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:var(--text-base)}
html.a11y-s3 .nav-apply{display:block;color:var(--gold)!important;font-weight:700!important}
@media (max-width:1280px){
  html.a11y-s2 .menu-btn{display:block;margin-left:0}
  html.a11y-s2 .header-cta{display:none}
  html.a11y-s2 .icon-btn{margin-left:auto}
  html.a11y-s2 .icon-btn-label{display:none}
  html.a11y-s2 .nav{position:absolute;left:0;right:0;top:100%;flex-direction:column;gap:0;background:var(--navy);padding:var(--space-2) var(--space-6) var(--space-6);border-bottom:1px solid rgba(255,255,255,.1);display:none;margin:0}
  html.a11y-s2 .nav.open{display:flex}
  html.a11y-s2 .nav a{padding:var(--space-4) 0;border-bottom:1px solid rgba(255,255,255,.08);font-size:var(--text-base)}
  html.a11y-s2 .nav-apply{display:block;color:var(--gold)!important;font-weight:700!important}
}
@media (min-width:1280px){.icon-btn{padding:0 var(--space-4)}}

/* ======== v3: richer visuals, calculator ======== */
[hidden]{display:none!important}
.section-tint{background:linear-gradient(180deg,#f3f6f7 0%,#e9f0f2 100%)}
.kicker::before{content:"";display:inline-block;width:28px;height:3px;background:var(--gold);border-radius:2px;margin-right:10px;vertical-align:middle}
.kicker-light::before{background:var(--gold)}
.section-head-center{text-align:center;margin-inline:auto}
.section-head-center .kicker::before{display:none}

/* hero */
.hero::after{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:56px 56px;-webkit-mask-image:radial-gradient(70% 90% at 80% 30%,#000,transparent 75%);mask-image:radial-gradient(70% 90% at 80% 30%,#000,transparent 75%);pointer-events:none}
.hero .hl{color:var(--gold);background:linear-gradient(transparent 82%,rgba(255,194,14,.28) 82%);padding-inline:2px;margin-inline:-2px}
.hero-stats{display:flex;flex-wrap:wrap;gap:var(--space-8);margin-top:var(--space-10);padding-top:var(--space-6);border-top:1px solid rgba(255,255,255,.14)}
.hero-stats li{display:grid;gap:2px}
.hero-stats strong{font-family:var(--font-display);font-weight:800;font-size:var(--text-xl);line-height:1;color:#fff}
.hero-stats span{font-size:var(--text-xs);letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.7);font-weight:500}
.hero-card{grid-column:1/-1;margin-top:var(--space-10);display:grid;grid-template-columns:1fr auto;gap:2px var(--space-4);align-items:center;padding:var(--space-5) var(--space-6);border-radius:var(--radius);background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);color:#fff;text-decoration:none;transition:background .3s var(--ease),transform .3s var(--ease),border-color .3s}
.hero-card:hover{background:rgba(255,255,255,.14);border-color:var(--gold);transform:translateY(-2px)}
.hero-card-t{font-family:var(--font-display);font-weight:800;font-size:var(--text-lg)}
.hero-card-s{grid-column:1;font-size:var(--text-sm);color:rgba(255,255,255,.78)}
.hero-card-go{grid-row:1/3;grid-column:2;width:44px;height:44px;border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-weight:800;font-size:1.25rem}
.face{transition:transform .5s var(--ease)}

/* benefits */
.benefits{background:#fff;padding-block:clamp(var(--space-12),7vw,var(--space-20))}
.benefits .section-head{margin-bottom:var(--space-10)}
.benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--space-5)}
.benefit{position:relative;padding:var(--space-8);border-radius:var(--radius);background:linear-gradient(165deg,#fff 0%,var(--tint) 100%);border:1px solid var(--line);transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-color .3s}
.benefit:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:var(--teal)}
.benefit-ic{display:grid;place-items:center;width:52px;height:52px;border-radius:14px;background:var(--navy);margin-bottom:var(--space-5)}
.benefit-ic svg{width:26px;height:26px;fill:none;stroke:var(--gold);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.benefit h3{font-family:var(--font-display);font-weight:800;font-size:var(--text-lg);margin-bottom:var(--space-2)}
.benefit p{color:var(--muted);font-size:var(--text-sm);line-height:1.6}

/* programs */
.program svg{box-sizing:content-box;width:26px;height:26px;padding:11px;background:var(--teal-soft);border-radius:14px}
.program-lead{background:linear-gradient(135deg,var(--navy) 0%,#1d3a47 100%);position:relative;overflow:hidden}
.program-lead::after{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border-radius:50%;background:radial-gradient(circle,rgba(255,194,14,.22),transparent 70%);pointer-events:none}
.program-lead svg{width:30px;height:30px;background:rgba(255,194,14,.14)}

/* team */
.member-top{background:linear-gradient(160deg,var(--teal-soft) 0%,#fff 90%)}
.member-lead .member-top{background:linear-gradient(160deg,#fff3c4 0%,#fff 90%)}
.member{box-shadow:0 1px 2px rgba(23,28,35,.04)}

/* steps as cards */
.steps li{background:#fff;border:1px solid var(--line);border-top-width:4px;border-radius:var(--radius);padding:var(--space-6)}
.steps{gap:var(--space-5)}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--gold) 0%,#ffd75e 100%);color:var(--navy);padding-block:var(--space-12)}
.cta-row{display:flex;flex-wrap:wrap;gap:var(--space-8);align-items:center;justify-content:space-between}
.cta-row h2{font-size:var(--text-xl);line-height:1.1}
.cta-row p{margin-top:var(--space-2);max-width:56ch;color:#3a3200}
.cta-actions{display:flex;flex-wrap:wrap;gap:var(--space-3)}
.cta-band .btn-navy:hover{background:var(--navy-3)}
.cta-band :focus-visible{outline-color:var(--navy)}
.footer{border-top:4px solid var(--gold)}

/* info cards */
.info-cards{display:grid;grid-template-columns:repeat(4,1fr);gap:var(--space-4);margin-bottom:var(--space-10)}
.info-cards li{background:#fff;border:1px solid var(--line);border-top:4px solid var(--teal);border-radius:var(--radius);padding:var(--space-6)}
.info-cards li:nth-child(even){border-top-color:var(--gold)}
.info-cards h3{font-family:var(--font-display);font-weight:800;margin-bottom:var(--space-2)}
.info-cards p{font-size:var(--text-sm);color:var(--muted);line-height:1.6}

/* ---- calculator ---- */
.calc-section{background:linear-gradient(180deg,var(--tint) 0%,#fff 100%);padding-top:clamp(var(--space-10),5vw,var(--space-16))}
.calc-layout{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(0,1fr);gap:var(--space-6);align-items:start}
.calc-card{border-radius:var(--radius);padding:var(--space-8)}
.calc-inputs{background:#fff;border:1px solid var(--line);box-shadow:var(--shadow)}
.calc-results{background:linear-gradient(160deg,var(--navy) 0%,#1b3441 100%);color:#fff;position:sticky;top:96px;box-shadow:0 24px 60px rgba(23,28,35,.25)}
.calc-h{font-family:var(--font-display);font-weight:800;font-size:var(--text-lg);line-height:1.2;letter-spacing:0;margin-bottom:var(--space-5)}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:var(--space-4)}
.calc-field.span2{grid-column:1/-1}
.calc-field label{display:block;font-weight:700;font-size:var(--text-sm);margin-bottom:6px;color:var(--ink)}
.calc-input{position:relative;display:flex;align-items:center}
.calc-input input,.calc-input select{width:100%;min-height:48px;border:1.5px solid #b9c4cc;border-radius:var(--radius-sm);padding:0 var(--space-4);background:#fff;color:var(--ink);font-weight:600;font-variant-numeric:tabular-nums}
.calc-input input:focus,.calc-input select:focus{border-color:var(--teal-ink);outline:3px solid rgba(0,173,180,.35);outline-offset:0}
.affix{position:absolute;left:14px;color:var(--muted);font-weight:700;pointer-events:none}
.affix-end{left:auto;right:14px}
.calc-input .affix+input{padding-left:30px}
.calc-input:has(.affix-end) input{padding-right:34px}
.calc-hint{font-size:var(--text-xs);color:var(--muted);margin-top:4px;line-height:1.4}
.calc-reset{margin-top:var(--space-6)}
.calc-total{display:flex;align-items:baseline;gap:var(--space-2);flex-wrap:wrap}
.calc-total output{font-family:var(--font-display);font-weight:800;font-size:clamp(2.75rem,6vw,4.25rem);line-height:1;color:var(--gold);font-variant-numeric:tabular-nums}
.calc-total span{color:rgba(255,255,255,.75);font-weight:500}
.calc-breakdown{display:grid;grid-template-columns:150px 1fr;gap:var(--space-6);align-items:center;margin-top:var(--space-6)}
.donut{width:100%;height:auto;display:block}
.donut-bg{stroke:rgba(255,255,255,.1)}
.seg{transition:stroke-dasharray .4s var(--ease),stroke-dashoffset .4s var(--ease)}
.seg-pi{stroke:#00adb4}.seg-tax{stroke:#ffc20e}.seg-ins{stroke:#8fa3b5}.seg-hoa{stroke:#e8eef2}.seg-pmi{stroke:#ff7a59}
.dot{width:12px;height:12px;border-radius:50%;display:inline-block;flex:none}
.dot.seg-pi{background:#00adb4}.dot.seg-tax{background:#ffc20e}.dot.seg-ins{background:#8fa3b5}.dot.seg-hoa{background:#e8eef2}.dot.seg-pmi{background:#ff7a59}
.legend{display:grid;gap:var(--space-3)}
.legend li{display:grid;grid-template-columns:12px 1fr auto auto;gap:var(--space-3);align-items:center;font-size:var(--text-sm)}
.lg-p{color:rgba(255,255,255,.65);font-size:var(--text-xs);min-width:2.5em;text-align:right}
.legend strong{font-variant-numeric:tabular-nums;min-width:4.5em;text-align:right}
.calc-note{margin-top:var(--space-4);font-size:var(--text-xs);color:rgba(255,255,255,.75)}
.calc-stats{display:grid;grid-template-columns:1fr 1fr;gap:0 var(--space-6);margin-top:var(--space-5);border-top:1px solid rgba(255,255,255,.14)}
.calc-stats div{padding-block:var(--space-3);border-bottom:1px solid rgba(255,255,255,.1)}
.calc-stats dt{font-size:var(--text-xs);color:rgba(255,255,255,.7);text-transform:uppercase;letter-spacing:.06em}
.calc-stats dd{font-weight:700;font-size:var(--text-base);font-variant-numeric:tabular-nums}
.calc-savings{margin-top:var(--space-5);padding:var(--space-4) var(--space-5);border-radius:var(--radius-sm);background:rgba(255,194,14,.12);border:1px solid rgba(255,194,14,.4);font-size:var(--text-sm)}
.calc-savings p{margin-top:2px;color:rgba(255,255,255,.88)}
.calc-savings b{color:var(--gold)}
.bal{margin-top:var(--space-6)}
.bal figcaption{font-size:var(--text-xs);text-transform:uppercase;letter-spacing:.08em;color:rgba(255,255,255,.7);margin-bottom:var(--space-2)}
.bal svg{width:100%;height:auto;display:block}
.bal-area{fill:rgba(0,173,180,.16)}
.bal-base{stroke:#00adb4;stroke-width:3;stroke-linejoin:round}
.bal-extra{stroke:#ffc20e;stroke-width:3;stroke-dasharray:7 6;stroke-linejoin:round}
.bal-axis{stroke:rgba(255,255,255,.3);stroke-width:1}
.bal-x{display:flex;justify-content:space-between;font-size:var(--text-xs);color:rgba(255,255,255,.7)}
.calc-cta{display:flex;flex-wrap:wrap;gap:var(--space-3);margin-top:var(--space-6)}
.calc-privacy{margin-top:var(--space-4);font-size:var(--text-xs);color:rgba(255,255,255,.65);line-height:1.5}
.calc-fine{margin-top:var(--space-6)}
.calc-table-wrap{margin-top:var(--space-6);background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:var(--space-2) var(--space-6)}
.calc-table-wrap summary{cursor:pointer;font-weight:700;padding-block:var(--space-4)}
.calc-table{width:100%;border-collapse:collapse;font-variant-numeric:tabular-nums;font-size:var(--text-sm)}
.calc-table th,.calc-table td{padding:var(--space-2) var(--space-3);text-align:right;border-bottom:1px solid var(--line)}
.calc-table thead th{background:var(--tint);font-size:var(--text-xs);text-transform:uppercase;letter-spacing:.06em}
.calc-table tbody th{text-align:left;font-weight:700}
.calc-table-wrap .table-wrap{max-height:420px;overflow:auto;margin-bottom:var(--space-4)}

/* compact calculator on home page */
.calc-band{background:linear-gradient(135deg,var(--navy-3) 0%,#1a3a46 100%);color:#fff;position:relative;overflow:hidden}
.calc-band::before{content:"";position:absolute;inset:0;background:radial-gradient(50% 70% at 100% 0%,rgba(0,173,180,.25),transparent 60%);pointer-events:none}
.calc-band-grid{position:relative;display:grid;grid-template-columns:1fr 1.1fr;gap:var(--space-12);align-items:center}
.calc-band-copy p:not(.kicker){margin-top:var(--space-5);color:rgba(255,255,255,.8);max-width:46ch;font-size:var(--text-base)}
.calc-compact{background:#fff;color:var(--ink);border-radius:var(--radius);padding:var(--space-6);box-shadow:0 24px 60px rgba(0,0,0,.3);display:grid;gap:var(--space-5)}
.calc-quick{background:var(--navy);color:#fff;border-radius:var(--radius-sm);padding:var(--space-5) var(--space-6);display:grid;gap:var(--space-2);justify-items:start}
.calc-quick-label{font-size:var(--text-xs);text-transform:uppercase;letter-spacing:.08em;color:rgba(255,255,255,.75)}
.calc-quick-num output{font-family:var(--font-display);font-weight:800;font-size:clamp(2.25rem,5vw,3.25rem);line-height:1;color:var(--gold);font-variant-numeric:tabular-nums}
.calc-quick-num span{color:rgba(255,255,255,.75)}
.calc-quick-note{font-size:var(--text-xs);color:rgba(255,255,255,.7);margin-bottom:var(--space-2)}

@media (max-width:1080px){.info-cards{grid-template-columns:repeat(2,1fr)}}
@media (max-width:960px){
  .calc-layout,.calc-band-grid{grid-template-columns:1fr}
  .calc-results{position:static}
  .benefit-grid{grid-template-columns:1fr}
}
@media (max-width:560px){
  .calc-card{padding:var(--space-5)}
  .calc-breakdown{grid-template-columns:1fr;justify-items:center}
  .donut{max-width:170px}
  .legend{width:100%}
  .info-cards{grid-template-columns:1fr}
  .hero-stats{gap:var(--space-6)}
  .hero-card{margin-top:var(--space-8)}
  .cta-actions .btn{flex:1 1 100%}
  .calc-cta .btn{flex:1 1 100%}
}
@media (prefers-reduced-motion:reduce){.seg{transition:none}.benefit:hover,.hero-card:hover{transform:none}}

/* accessibility modes for new components */
html.a11y-contrast .calc-card,html.a11y-contrast .benefit,html.a11y-contrast .info-cards li,html.a11y-contrast .calc-compact,html.a11y-contrast .calc-table-wrap,html.a11y-contrast .steps li{border:2px solid #000}
html.a11y-contrast .calc-input input,html.a11y-contrast .calc-input select{border:2px solid #000}
html.a11y-contrast .hero-stats span,html.a11y-contrast .calc-note,html.a11y-contrast .calc-privacy,html.a11y-contrast .lg-p{color:#fff}
html.a11y-contrast .cta-band{background:#ffd400}
html.a11y-contrast .cta-row p{color:#000}
html.a11y-motion .seg{transition:none!important}
.calc-stats dd{margin:0}
.hero .hl{background:none;text-decoration:underline;text-decoration-color:rgba(255,194,14,.5);text-decoration-thickness:.07em;text-underline-offset:.12em;text-decoration-skip-ink:none}

/* Powered by Xpert */
.brand-lockup{display:flex;flex-direction:column;align-items:flex-start;gap:7px;flex:none;min-width:0;padding:4px 0}
.brand-lockup .powered{font-size:11px;line-height:1.2;letter-spacing:.02em;color:rgba(255,255,255,.8);font-weight:500;white-space:nowrap}
.powered-footer{margin:var(--space-2) 0 var(--space-4);font-size:var(--text-xs);color:rgba(255,255,255,.8)}
@media (max-width:420px){.brand-lockup .powered{font-size:10px}.brand-lockup{gap:5px}}

/* Large-text robustness */
.menu-btn{flex:none}
.calc-band-grid>*,.calc-layout>*,.calc-grid>*,.calc-compact>*{min-width:0}
.calc-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.calc-band-grid{grid-template-columns:minmax(0,1fr) minmax(0,1.1fr)}
@media (max-width:900px){.calc-band-grid{grid-template-columns:minmax(0,1fr)}}
@media (max-width:480px){html.a11y-s2 .calc-grid,html.a11y-s3 .calc-grid{grid-template-columns:minmax(0,1fr)}}
@media (max-width:480px){
  .header-row{gap:var(--space-3)}
  html.a11y-s2 .brand-lockup .powered,html.a11y-s3 .brand-lockup .powered{white-space:normal;max-width:150px}
  .brand-lockup{flex:0 1 auto}
}
.hero-copy,.member-body,.contact-copy,.calc-quick,.calc-band-copy,.legend li,.calc-breakdown>*{min-width:0}
.member-body,.contact-copy,.hero-copy h1,.legend,.calc-quick,.member a{overflow-wrap:anywhere}
@media (max-width:480px){
  html.a11y-s2 .member,html.a11y-s3 .member{flex-direction:column}
  html.a11y-s3 .calc-reset{white-space:normal}
}
.calc-compact,.calc-stats,.areas-grid,.hero-grid,.contact-grid{grid-template-columns:minmax(0,1fr)}
.calc-stats{grid-template-columns:repeat(2,minmax(0,1fr))}
.calc-compact{grid-template-columns:minmax(0,1fr)}
.areas-copy,.areas-grid>*,.calc-stats>*{min-width:0}
.areas-copy{overflow-wrap:anywhere}
@media (min-width:961px){.areas-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}.hero-grid{grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr)}.contact-grid{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr)}}
@media (max-width:560px){.choose-grid{grid-template-columns:minmax(0,1fr)}.choose-card{flex-wrap:wrap}}
@media (max-width:480px){html.a11y-s3 .calc-stats{grid-template-columns:minmax(0,1fr)}}
@media (max-width:480px){
  .btn{white-space:normal;max-width:100%;text-align:center}
  .calc-quick{width:100%;box-sizing:border-box;justify-items:stretch}
  .calc-quick-num{max-width:100%}
  .footer-col a,.footer a,.prose a{overflow-wrap:anywhere}
}
.states{grid-template-columns:repeat(2,minmax(0,1fr))}
.states li{min-width:0;overflow-wrap:anywhere}
@media (max-width:480px){html.a11y-s3 .states{grid-template-columns:minmax(0,1fr)}}
.table-wrap{position:relative}

/* Rate watcher (Mortgage News Daily widget) */
.rates-band{background:#fff}
.rates-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,500px);gap:var(--space-12);align-items:center}
.rates-copy>p:not(.kicker):not(.fineprint){margin-top:var(--space-5);color:var(--muted);max-width:50ch;font-size:var(--text-base)}
.rates-points{margin:var(--space-5) 0 0;padding:0;list-style:none;display:grid;gap:var(--space-3);max-width:50ch}
.rates-points li{position:relative;padding-left:var(--space-6);color:var(--text)}
.rates-points li::before{content:"";position:absolute;left:0;top:.6em;width:10px;height:10px;border-radius:50%;background:var(--gold)}
.rates-fine{margin-top:var(--space-6);max-width:56ch}
.rates-side{display:grid;gap:var(--space-5);justify-self:end;width:100%;max-width:500px;min-width:0}
.rates-card{width:100%;max-width:500px;background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--radius);overflow:hidden;box-shadow:0 18px 40px -22px rgba(33,40,50,.35);justify-self:end}
.rates-card-head,.rates-card-foot{background:var(--navy);color:#fff;text-align:center;padding:8px 12px;font-size:var(--text-sm);font-weight:600}
.rates-card-head a,.rates-card-foot a{color:#fff;text-decoration:none;font-weight:700}
.rates-card-head a:hover,.rates-card-foot a:hover{text-decoration:underline}
.rates-frame{display:block;border:0;background:#fff;max-width:100%;margin:0 auto}
.rates-frame-sm{display:none}
@media (max-width:1040px){.rates-grid{grid-template-columns:minmax(0,1fr)}.rates-card{justify-self:start}}
@media (max-width:559px){.rates-frame-lg{display:none}.rates-frame-sm{display:block}.rates-card{justify-self:stretch;max-width:none}}

/* APR estimator (beside daily rates) */
.apr-box{background:var(--bg-soft,#f4f7f8);border:1px solid var(--line);border-radius:var(--radius);padding:var(--space-5)}
.apr-h{font-family:var(--font-display);font-size:var(--text-lg);color:var(--navy);margin:0}
.apr-intro{margin-top:var(--space-2);color:var(--muted);font-size:var(--text-sm)}
.apr-box .calc-grid{margin-top:var(--space-4);grid-template-columns:repeat(2,minmax(0,1fr))}
.apr-out{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--space-3);margin-top:var(--space-4)}
.apr-out>div{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm,10px);padding:var(--space-3);min-width:0}
.apr-out .apr-main{background:var(--navy);border-color:var(--navy);color:#fff}
.apr-k{display:block;font-size:var(--text-xs);color:var(--muted)}
.apr-main .apr-k{color:#d6dde3}
.apr-out strong{font-family:var(--font-display);font-size:var(--text-lg);overflow-wrap:anywhere}
.apr-main strong{color:var(--gold)}
.apr-u{font-size:var(--text-xs);color:var(--muted)}
.apr-note{margin-top:var(--space-3);font-size:var(--text-sm);color:var(--text)}
.apr-box .fineprint{margin-top:var(--space-3)}
@media (max-width:559px){.apr-out{grid-template-columns:1fr}.apr-box .calc-grid{grid-template-columns:1fr}}
@media (max-width:1040px){.rates-side{justify-self:start}}
@media (max-width:820px){.rates-side{justify-self:stretch;max-width:none}}