/* ==========================================================================
   on-mortgage.com - site stylesheet (Oct 2026 overhaul)
   One family (Onest), brand azure on navy, white pages with cool-tinted
   bands. The hero rate instrument is the one loud element; everything else
   stays quiet. Colors come from config.php['theme'] via :root in header.php.
   ========================================================================== */

*,*::before,*::after{box-sizing:border-box}
[hidden]{display:none!important}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.6;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--azure-ink);text-decoration:none}
a:hover{text-decoration:underline}
button,input,select,textarea{font:inherit;color:inherit}
:focus-visible{outline:3px solid var(--azure);outline-offset:2px}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 12px;border-radius:6px;z-index:100}
.skip:focus{left:8px}

/* ---------- type ---------- */
h1,h2,h3,h4{font-weight:700;letter-spacing:-.022em;line-height:1.12;margin:0 0 .45em;color:var(--navy)}
h1{font-size:clamp(2.2rem,5vw,3.6rem);font-weight:800;letter-spacing:-.03em}
h2{font-size:clamp(1.7rem,3.2vw,2.5rem)}
h3{font-size:1.25rem}
h4{font-size:1.05rem}
p{margin:0 0 1rem}
.lead{font-size:1.15rem;color:var(--muted);max-width:62ch;line-height:1.55}
.num{font-variant-numeric:tabular-nums;letter-spacing:-.02em}
.sec-head{max-width:72ch;margin-bottom:36px}
.sec-head h2{margin-bottom:.3em}
.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
.sec-head.center .lead{margin-left:auto;margin-right:auto}

/* ---------- layout ---------- */
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.sec{padding:84px 0}
.sec-soft{background:var(--bg-soft)}
.sec-navy{background:var(--navy);color:#dbe8f0}
.sec-navy h2,.sec-navy h3{color:#fff}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media (max-width:980px){.g3,.g4{grid-template-columns:repeat(2,1fr)}}
@media (max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}.sec{padding:60px 0}}

/* ---------- buttons ---------- */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 22px;border-radius:10px;font-weight:700;font-size:.98rem;line-height:1.2;border:2px solid transparent;cursor:pointer;text-decoration:none!important;transition:background .15s,color .15s,border-color .15s,transform .05s;white-space:nowrap}
.btn:active{transform:translateY(1px)}
.btn-primary{background:var(--azure);color:var(--navy-d)}
.btn-primary:hover{background:var(--azure-d);color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-d)}
.btn-ghost{background:rgba(255,255,255,.85);color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--navy)}
.btn-on-dark{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.22)}
.btn-on-dark:hover{background:rgba(255,255,255,.14)}
.btn-lg{padding:15px 28px;font-size:1.05rem;border-radius:12px}
.btn-block{width:100%}

/* ---------- header ---------- */
.site-head{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.head-row{display:flex;align-items:center;gap:28px;min-height:86px}
.brand img{height:62px;width:auto}
.nav{flex:1}
.nav>ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
.nav>ul>li{position:relative}
.nav>ul>li>a,.nav>ul>li>button{display:inline-flex;align-items:center;gap:6px;padding:10px 14px;border-radius:8px;color:var(--navy);font-weight:600;font-size:.98rem;background:none;border:0;cursor:pointer;text-decoration:none}
.nav>ul>li>a:hover,.nav>ul>li>button:hover,.nav>ul>li.open>button{background:var(--bg-soft);text-decoration:none}
.nav>ul>li>button::after{content:"";width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-2px);opacity:.6}
.sub{position:absolute;top:calc(100% + 10px);left:0;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 50px rgba(13,33,46,.14);padding:18px;display:none;grid-auto-flow:column;gap:22px;min-width:720px;z-index:60}
/* Invisible bridge across the gap between the button and the panel, so the
   pointer can travel down into the menu without it closing. */
.sub::before{content:"";position:absolute;left:0;right:0;top:-16px;height:16px}
.sub-narrow{min-width:240px}
.nav>ul>li.open>.sub{display:grid}
.sub-col{min-width:200px;display:flex;flex-direction:column;gap:2px}
.sub-col-hub{padding-left:22px;border-left:1px solid var(--line)}
.sub-title{font-size:.78rem;font-weight:700;color:var(--muted);margin:4px 10px 8px}
.sub-col a{display:block;padding:8px 10px;border-radius:8px;color:var(--navy);line-height:1.3}
.sub-col a:hover{background:var(--bg-soft);text-decoration:none}
.sub-col a b{display:block;font-weight:600;font-size:.95rem}
.sub-col a span{display:block;font-size:.8rem;color:var(--muted);margin-top:2px}
.nav-phone{display:none}
.head-actions{display:flex;align-items:center;gap:16px;margin-left:auto}
.head-phone{font-weight:800;color:var(--navy);font-size:1.05rem;letter-spacing:-.01em}
.menu-btn{display:none;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;background:#fff;flex-direction:column;align-items:center;justify-content:center;gap:5px;cursor:pointer}
.menu-btn span{display:block;width:20px;height:2px;background:var(--navy);border-radius:2px;transition:transform .2s,opacity .2s}
.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)}
@media (max-width:1060px){
  .head-row{gap:16px;min-height:72px}
  .brand img{height:52px}
  .menu-btn{display:flex}
  .head-phone{display:none}
  .nav{position:absolute;top:100%;left:0;right:0;height:calc(100vh - 72px);height:calc(100dvh - 72px);background:#fff;overflow:auto;display:none;padding:12px 16px 40px;border-top:1px solid var(--line);z-index:60}
  .nav.open{display:block}
  .nav>ul{flex-direction:column;align-items:stretch;gap:0}
  .nav-phone{display:block}.nav-phone a{color:var(--azure-ink)!important}
  .nav>ul>li>a,.nav>ul>li>button{width:100%;justify-content:space-between;padding:14px 10px;font-size:1.05rem;border-bottom:1px solid var(--line);border-radius:0}
  .sub{position:static;display:none;border:0;box-shadow:none;min-width:0;padding:6px 0 14px;grid-auto-flow:row;gap:10px}
  .sub-col-hub{padding-left:0;border-left:0}
  .nav>ul>li.open>.sub{display:grid}
}

/* ---------- hero ---------- */
.hero{padding:64px 0 72px;position:relative;isolation:isolate;overflow:hidden;background:#fff}
/* Faded Miami skyline, anchored to the bottom of the hero and dissolving into
   white toward the top so the headline sits on clean paper. The image file is
   already lightened; the gradient does the rest. */
.hero-skyline::before{content:"";position:absolute;inset:0;z-index:-1;
  background:url("../img/hero-miami-1800.webp") center bottom/cover no-repeat}
.hero-skyline::after{content:"";position:absolute;inset:0;z-index:-1;
  background:linear-gradient(180deg,#fff 0%,rgba(255,255,255,.97) 30%,rgba(255,255,255,.74) 62%,rgba(255,255,255,.42) 100%)}
/* Clean variant: white paper, one soft azure wash behind the instrument and a hairline rule below. */
.hero-clean{background:radial-gradient(820px 460px at 82% 20%,var(--azure-t) 0,rgba(227,246,254,0) 72%),#fff;border-bottom:1px solid var(--line)}
@media (max-width:900px){.hero-skyline::before{background-image:url("../img/hero-miami-900.webp")}}

/* Color accents: white paper with two flat brand shapes defining the space,
   an azure slab behind the instrument and a navy sliver along the bottom. */
.hero-accents{background:#fff}
.hero-accents::before{content:"";position:absolute;z-index:-1;top:0;bottom:0;right:0;width:46%;
  background:var(--azure);clip-path:polygon(18% 0,100% 0,100% 100%,0 100%)}
.hero-accents::after{content:"";position:absolute;z-index:-1;left:0;right:0;bottom:0;height:14px;background:var(--navy)}
.hero-accents .inst{box-shadow:0 30px 70px rgba(13,33,46,.35)}
@media (max-width:980px){.hero-accents::before{width:100%;top:auto;height:62%;clip-path:polygon(0 12%,100% 0,100% 100%,0 100%)}}

/* Gradient: full-bleed navy to azure, copy in white, instrument stays navy. */
.hero-gradient{background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 42%,#0b5f85 78%,var(--azure-d) 115%)}
.hero-gradient h1,.hero-gradient .hero-points li,.hero-gradient .hero-trust b{color:#fff}
.hero-gradient .lead,.hero-gradient .hero-trust{color:#b8cfdc}
.hero-gradient .hero-points li::before{background:rgba(255,255,255,.12);border-color:var(--azure)}
.hero-gradient .hero-points li::after{border-color:#fff}
.hero-gradient .btn-navy{background:var(--azure);color:var(--navy-d)}
.hero-gradient .btn-navy:hover{background:#fff}
.hero-gradient .btn-ghost{background:rgba(255,255,255,.08);color:#fff;border-color:rgba(255,255,255,.3)}
.hero-gradient .inst{box-shadow:0 30px 70px rgba(0,0,0,.45);border:1px solid rgba(255,255,255,.12)}

/* Wire frame: a faint drafting grid on white, azure lines, fading out toward
   the right so the instrument sits on calm ground. */
.hero-wireframe{background:#fff}
.hero-wireframe::before{content:"";position:absolute;inset:0;z-index:-1;
  background-image:linear-gradient(rgba(0,184,250,.16) 1px,transparent 1px),linear-gradient(90deg,rgba(0,184,250,.16) 1px,transparent 1px);
  background-size:48px 48px;
  -webkit-mask-image:linear-gradient(90deg,#000 0%,rgba(0,0,0,.55) 55%,rgba(0,0,0,0) 100%);mask-image:linear-gradient(90deg,#000 0%,rgba(0,0,0,.55) 55%,rgba(0,0,0,0) 100%)}
.hero-wireframe::after{content:"";position:absolute;z-index:-1;left:0;top:0;bottom:0;width:4px;background:var(--azure)}
.hero-wireframe .hero-copy h1{position:relative}
.hero-wireframe .hero-copy h1::after{content:"";display:block;width:72px;height:4px;background:var(--azure);margin-top:18px}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(380px,.95fr);gap:56px;align-items:center}
.hero-copy h1{max-width:13ch;margin-bottom:.5em}
.hero-copy .lead{margin-bottom:28px}
.hero-points{list-style:none;margin:0 0 30px;padding:0;display:grid;gap:10px;max-width:52ch}
.hero-points li{position:relative;padding-left:30px;color:var(--ink)}
.hero-points li::before{content:"";position:absolute;left:0;top:7px;width:18px;height:18px;border-radius:50%;background:var(--azure-t);border:2px solid var(--azure)}
.hero-points li::after{content:"";position:absolute;left:6px;top:11px;width:6px;height:9px;border-right:2.5px solid var(--navy);border-bottom:2.5px solid var(--navy);transform:rotate(45deg)}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;align-items:center}
.hero-trust{display:flex;gap:18px;align-items:center;margin-top:30px;flex-wrap:wrap;color:var(--muted);font-size:.9rem}
.hero-trust b{color:var(--navy);font-weight:700}
.stars{color:#f5a623;letter-spacing:1px;font-size:.95rem}
@media (max-width:980px){
  .hero{padding:40px 0 56px}
  .hero .wrap{grid-template-columns:minmax(0,1fr);gap:36px}
  .hero .wrap>*{min-width:0}
  .hero-copy h1{max-width:none}
}

/* ---------- the instrument ---------- */
.inst{background:var(--navy);color:#fff;border-radius:22px;padding:26px 26px 22px;box-shadow:0 30px 70px rgba(13,33,46,.28);position:relative}
.inst::before{content:"";position:absolute;inset:0;border-radius:22px;background:linear-gradient(145deg,rgba(0,184,250,.18),rgba(0,184,250,0) 45%);pointer-events:none}
.inst>*{position:relative}
.inst-head{display:flex;justify-content:space-between;align-items:baseline;gap:12px;margin-bottom:18px}
.inst-title{font-weight:800;font-size:1.2rem;letter-spacing:-.01em}
.inst-sub{font-size:.85rem;color:#9fbfd0}
.seg{display:grid;grid-template-columns:repeat(3,1fr);background:rgba(255,255,255,.08);border-radius:12px;padding:4px;margin-bottom:18px}
.seg input{position:absolute;opacity:0;pointer-events:none}
.seg label{text-align:center;padding:10px 6px;border-radius:9px;font-weight:600;font-size:.92rem;cursor:pointer;color:#c7dbe6;transition:background .15s,color .15s}
.seg input:checked+label{background:#fff;color:var(--navy)}
.seg input:focus-visible+label{outline:3px solid var(--azure)}
.sld{margin-bottom:16px}
.sld-top{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;min-height:1.7em}
.sld-label{font-size:.88rem;color:#c7dbe6;font-weight:500}
.sld-val{font-weight:800;font-size:1.05rem;color:#fff;min-height:1.6em}
.sld input[type=range]{width:100%;height:28px;margin:0;background:transparent;-webkit-appearance:none;appearance:none;cursor:pointer;--fill:50%}
.sld input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:3px;background:linear-gradient(90deg,var(--azure) var(--fill),rgba(255,255,255,.18) var(--fill))}
.sld input[type=range]::-moz-range-track{height:6px;border-radius:3px;background:rgba(255,255,255,.18)}
.sld input[type=range]::-moz-range-progress{height:6px;border-radius:3px;background:var(--azure)}
.sld input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--azure);margin-top:-8px;box-shadow:0 2px 8px rgba(0,0,0,.3)}
.sld input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;border:3px solid var(--azure);box-shadow:0 2px 8px rgba(0,0,0,.3)}
.inst-row{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-bottom:16px}
.inst-row.three{grid-template-columns:1fr 1fr 1fr}
.f-label{display:block;font-size:.82rem;color:#c7dbe6;margin-bottom:5px;font-weight:500}
.f-input,.f-select{width:100%;padding:10px 12px;border-radius:9px;border:1px solid rgba(255,255,255,.18);background:rgba(255,255,255,.07);color:#fff;font-weight:600;font-size:.95rem}
.f-select{appearance:none;-webkit-appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='12' height='8' viewBox='0 0 12 8'%3E%3Cpath d='M1 1l5 5 5-5' fill='none' stroke='%23c7dbe6' stroke-width='2'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right 12px center;padding-right:32px}
.f-select option{color:var(--navy)}
.f-input::placeholder{color:#8fb0c3;font-weight:500}
.f-input:focus,.f-select:focus{outline:none;border-color:var(--azure);background:rgba(255,255,255,.1)}
.f-help{font-size:.78rem;color:#9fbfd0;margin:-8px 0 14px}
.readout{display:grid;grid-template-columns:1fr auto;gap:14px;align-items:end;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.12);border-radius:14px;padding:16px 18px;margin:4px 0 14px}
.readout-k{font-size:.82rem;color:#9fbfd0;margin-bottom:2px;min-height:1.6em}
.readout-v{font-size:2.3rem;font-weight:800;line-height:1;letter-spacing:-.03em}
.readout-v small{font-size:1rem;font-weight:600;color:#c7dbe6;letter-spacing:0}
.readout-br{text-align:right;font-size:.8rem;color:#c7dbe6;line-height:1.5;min-height:6em}
.readout-br b{color:#fff;font-weight:700}
.inst-foot{font-size:.76rem;color:#8fb0c3;margin:10px 0 0;line-height:1.5}
@media (max-width:480px){.inst{padding:20px 16px 18px;border-radius:18px}.inst-row,.inst-row.three{grid-template-columns:1fr}.readout{grid-template-columns:1fr}.readout-br{text-align:left}}

/* ---------- rate strip ---------- */
.rates-band{padding:48px 0 60px}
.rates-top{display:flex;justify-content:space-between;align-items:flex-end;gap:20px;flex-wrap:wrap;margin-bottom:22px}
.rates-top h2{margin:0;font-size:clamp(1.4rem,2.4vw,1.9rem)}
.rates-asof{color:var(--muted);font-size:.92rem}
.rates-asof b{color:var(--navy)}
.rate-strip{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));border:1px solid var(--line);border-radius:18px;overflow:hidden;background:#fff}
.rate-cell{padding:24px 22px 22px;border-right:1px solid var(--line);position:relative;color:var(--ink);transition:background .15s}
.rate-cell:last-child{border-right:0}
.rate-cell:hover{background:var(--bg-soft);text-decoration:none}
.rate-cell .prog{font-weight:700;color:var(--navy);font-size:.95rem;margin-bottom:10px}
.rate-cell .r{font-size:2.4rem;font-weight:800;line-height:1;letter-spacing:-.04em;color:var(--navy)}
.rate-cell .r sup{font-size:.45em;top:-.9em;font-weight:700;color:var(--azure-ink)}
.rate-cell .apr{color:var(--muted);font-size:.9rem;margin-top:6px}
.rate-cell .pay{margin-top:12px;font-size:.9rem;color:var(--muted);line-height:1.45}
.rate-cell .pay b{color:var(--ink)}
.rate-cell .go{display:inline-block;margin-top:14px;font-weight:700;color:var(--azure-ink);font-size:.9rem}
@media (max-width:860px){.rate-strip{grid-template-columns:1fr 1fr}.rate-cell{border-bottom:1px solid var(--line)}.rate-cell:nth-child(2n){border-right:0}.rate-cell{padding:20px 18px}.rate-cell .r{font-size:2rem}}
@media (max-width:420px){.rate-strip{grid-template-columns:1fr}.rate-cell{border-right:0}}
.rates-note{margin:14px 2px 0;font-size:.84rem;color:var(--muted);max-width:90ch}

/* ---------- stats / promo band ---------- */
.promo{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center;background:var(--navy);color:#fff;border-radius:24px;padding:48px 52px}
.promo h2{color:#fff;margin-bottom:.4em}
.promo p{color:#b8cfdc;max-width:52ch}
.promo .btn{margin-top:8px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-left:1px solid rgba(255,255,255,.15)}
.stat{padding:8px 0 8px 26px}
.stat b{display:block;font-size:2.2rem;font-weight:800;letter-spacing:-.03em;line-height:1;color:var(--azure)}
.stat span{display:block;color:#b8cfdc;font-size:.9rem;margin-top:8px}
@media (max-width:980px){.promo{grid-template-columns:1fr;padding:36px 28px}.stats{border-left:0;border-top:1px solid rgba(255,255,255,.15);padding-top:22px}.stat{padding-left:0}}
@media (max-width:560px){.stats{grid-template-columns:1fr;gap:16px}}

/* ---------- program grid ---------- */
.prog-card{display:block;padding:26px 24px;border:1px solid var(--line);border-radius:16px;background:#fff;color:var(--ink);transition:border-color .15s,transform .15s}
.prog-card:hover{border-color:var(--azure);text-decoration:none;transform:translateY(-2px)}
.prog-card .pg{font-size:.78rem;font-weight:700;color:var(--azure-ink);margin-bottom:10px}
.prog-card h3{margin-bottom:8px}
.prog-card p{color:var(--muted);font-size:.95rem;margin:0 0 14px}
.prog-card .go{font-weight:700;color:var(--navy);font-size:.92rem}

/* ---------- feature panels (zero down / HELOC) ---------- */
.feat{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;padding:12px 0}
.feat+.feat{margin-top:56px}
.feat.flip .feat-img{order:2}
.feat-img{border-radius:20px;overflow:hidden;background:var(--bg-soft);aspect-ratio:4/3;display:flex;align-items:center;justify-content:center;padding:28px}
.feat-img img{max-height:100%;width:auto;object-fit:contain}
.feat h2{font-size:clamp(1.6rem,2.8vw,2.2rem)}
.feat ul{list-style:none;padding:0;margin:0 0 22px;display:grid;gap:10px}
.feat li{position:relative;padding-left:28px}
.feat li::before{content:"";position:absolute;left:2px;top:9px;width:9px;height:9px;border-radius:50%;background:var(--azure)}
.feat .fine{font-size:.85rem;color:var(--muted)}
@media (max-width:860px){.feat{grid-template-columns:1fr;gap:24px}.feat.flip .feat-img{order:0}}

/* ---------- why / difference ---------- */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.why{padding:28px;border-radius:16px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1)}
.why h3{color:#fff;margin-bottom:10px}
.why p{color:#b8cfdc;margin:0;font-size:.98rem}
.why{border-top:3px solid var(--azure)}
@media (max-width:860px){.why-grid{grid-template-columns:1fr}}

/* ---------- reviews ---------- */
.rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.rev{padding:26px;border-radius:16px;background:#fff;border:1px solid var(--line);display:flex;flex-direction:column}
.rev .stars{margin-bottom:12px}
.rev p{flex:1;font-size:1rem;line-height:1.6;margin:0 0 16px}
.rev .who{font-weight:700;color:var(--navy);font-size:.92rem}
.rev .who span{display:block;color:var(--muted);font-weight:500}
.rev-badges{display:flex;gap:14px;flex-wrap:wrap;justify-content:center;margin-top:34px}
.rev-badge{display:inline-flex;align-items:center;gap:10px;padding:10px 16px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--navy);font-weight:700;font-size:.92rem}
.rev-badge .stars{font-size:.85rem}
@media (max-width:860px){.rev-grid{grid-template-columns:1fr}}

/* ---------- areas ---------- */
.areas{display:flex;flex-wrap:wrap;gap:10px}
.areas a{padding:11px 18px;border:1px solid var(--line);border-radius:999px;color:var(--navy);font-weight:600;background:#fff;font-size:.95rem}
.areas a:hover{border-color:var(--azure);text-decoration:none;background:var(--azure-t)}

/* ---------- long-form content ---------- */
.story{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:48px;align-items:start}
.story.flip{grid-template-columns:340px minmax(0,1fr)}
.story.flip .story-img{order:0}
.story p{max-width:72ch;font-size:1.02rem}
.story h2{font-size:clamp(1.5rem,2.6vw,2rem)}
.story-img{border-radius:18px;overflow:hidden;background:var(--bg-soft);position:sticky;top:110px;aspect-ratio:4/3}
.story-img img{width:100%;height:100%;object-fit:cover}
.story+.story{margin-top:64px;padding-top:64px;border-top:1px solid var(--line)}
.story ul{padding-left:1.2em;margin:0 0 1rem}
.story li{margin-bottom:.35em}
@media (max-width:860px){.story,.story.flip{grid-template-columns:minmax(0,1fr);gap:22px}.story-img{position:static;max-width:360px}.story.flip .story-img{order:0}}

/* ---------- services list ---------- */
.svc{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:8px 0 0}
.svc a{display:flex;align-items:center;gap:12px;padding:16px 18px;border:1px solid var(--line);border-radius:12px;color:var(--navy);font-weight:600;background:#fff}
.svc a:hover{border-color:var(--azure);text-decoration:none}
.svc a::before{content:"";width:10px;height:10px;border-radius:50%;background:var(--azure);flex:none}
@media (max-width:860px){.svc{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.svc{grid-template-columns:1fr}}

/* ---------- refinance ---------- */
.refi-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:28px;margin-top:8px}
.refi-col h3{margin-bottom:12px}
.refi-col ul{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.refi-col li{padding-left:22px;position:relative;font-size:.97rem}
.refi-col li::before{content:"";position:absolute;left:0;top:9px;width:9px;height:9px;border-radius:50%;background:var(--azure)}
.refi-col li b{color:var(--navy)}
@media (max-width:860px){.refi-cols{grid-template-columns:1fr}}

/* ---------- community ---------- */
.give{display:flex;flex-wrap:wrap;gap:14px;align-items:center;justify-content:center}
.give a,.give span{display:flex;align-items:center;justify-content:center;height:84px;padding:12px 18px;background:#fff;border:1px solid var(--line);border-radius:12px;filter:grayscale(1);opacity:.75;transition:filter .2s,opacity .2s}
.give a:hover{filter:none;opacity:1}
.give img{max-height:58px;width:auto}

/* ---------- CTA band ---------- */
.cta{text-align:center;padding:72px 0}
.cta h2{color:#fff;max-width:22ch;margin:0 auto .4em}
.cta p{color:#b8cfdc;max-width:56ch;margin:0 auto 26px}
.cta .btns{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* ---------- footer ---------- */
.site-foot{background:var(--navy-d);color:#b8cfdc;padding:64px 0 32px;font-size:.93rem}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px}
.foot-logo{display:inline-block;background:#fff;border-radius:12px;padding:10px 12px;margin-bottom:18px}
.foot-mission{max-width:40ch;color:#b8cfdc}
.foot-phone{display:inline-block;color:#fff;font-weight:800;font-size:1.3rem;margin:4px 0 16px}
.foot-social{display:flex;gap:8px}
.foot-social a{width:38px;height:38px;border-radius:10px;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center}
.foot-social a:hover{background:var(--azure)}
.foot-social svg{width:18px;height:18px;fill:#fff}
.foot-social a:hover svg{fill:var(--navy-d)}
.foot-title{color:#fff;font-weight:700;margin-bottom:12px}
.foot-col a{display:block;color:#b8cfdc;padding:4px 0}
.foot-col a:hover{color:#fff}
.foot-legal{margin-top:48px;padding-top:28px;border-top:1px solid rgba(255,255,255,.12);font-size:.8rem;color:#8fa9b8;line-height:1.55}
.foot-legal a{color:#dbe8f0}
.foot-legal-row{display:flex;gap:16px;align-items:flex-start;margin-bottom:12px}
.foot-legal-row img{flex:none;filter:invert(1) brightness(1.4);opacity:.8}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;margin-top:18px;padding-top:18px;border-top:1px solid rgba(255,255,255,.08)}
.foot-bottom a{margin-left:14px}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}.foot-bottom a{margin:0 14px 0 0}}

/* ---------- utilities ---------- */
.mt0{margin-top:0}.mb0{margin-bottom:0}
.vh{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* ======================= rates page ======================= */
.rates-head{padding:52px 0 44px;color:#fff;background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 45%,#0b5f85 85%,var(--azure-d) 120%)}
.rates-head h1{margin-bottom:.3em;color:#fff}
.rates-head .lead{color:#c7dbe6}
.rates-head .crumbs,.rates-head .crumbs a{color:#9fbfd0}
.rates-page{padding:28px 0 72px}
.refine{display:grid;grid-template-columns:repeat(5,1fr);gap:14px 16px;background:var(--bg-soft);border:1px solid var(--line);border-radius:18px;padding:22px 22px 18px;align-items:end}
.rf label{display:block;font-size:.8rem;font-weight:700;color:var(--navy);margin-bottom:6px}
.rf input,.rf select{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:10px;background:#fff;font-weight:600;font-size:.95rem;color:var(--ink)}
.rf input:focus,.rf select:focus{outline:none;border-color:var(--azure);box-shadow:0 0 0 3px var(--azure-t)}
.rf-pre{position:relative}
.rf-pre span{position:absolute;left:12px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:600}
.rf-pre input{padding-left:26px}
.rf .need{border-color:var(--red);background:#fff6f7}
.req{color:var(--red)}
.rf-btn{display:flex;align-items:end}
.rf-btn .btn{width:100%}
.rf-help{grid-column:1/-1;margin:4px 0 0;font-size:.82rem;color:var(--muted);line-height:1.5}
.rf-help .ok{color:var(--navy);font-weight:700}
.rf-help .bad{color:var(--red);font-weight:700}
@media (max-width:1060px){.refine{grid-template-columns:repeat(3,1fr)}}
@media (max-width:620px){.refine{grid-template-columns:1fr 1fr;padding:16px}.rf-btn{grid-column:1/-1}}
.rates-meta{display:flex;justify-content:space-between;align-items:flex-start;gap:24px;margin:44px 0 20px}
.rates-meta h2{font-size:clamp(1.4rem,2.4vw,1.8rem);margin-bottom:.4em}
.rates-legend{max-width:78ch;color:var(--muted);font-size:.95rem;margin:0}
.rates-legend b{color:var(--navy)}
.asof{white-space:nowrap;color:var(--muted);font-size:.9rem;padding-top:6px}
.asof b{color:var(--navy)}
@media (max-width:760px){.rates-meta{flex-direction:column;gap:6px}}
.prog-sec{border:1px solid var(--line);border-radius:18px;overflow:hidden;margin-bottom:26px;background:#fff}
.prog-title{margin:0;padding:16px 22px;background:var(--navy);color:#fff;font-size:1.1rem;display:flex;justify-content:space-between;align-items:center;gap:12px}
.prog-count{font-size:.8rem;font-weight:600;color:#b8cfdc}
.prog-sec.ck-fha .prog-title{background:#0b3d5c}
.prog-sec.ck-va .prog-title{background:#143a2b}
.prog-sec.ck-jumbo .prog-title{background:#2a2550}
.popt{border-top:1px solid var(--line)}
.popt:first-of-type{border-top:0}
.popt-head{display:flex;gap:12px;align-items:baseline;flex-wrap:wrap;padding:18px 22px 0}
.popt-head b{color:var(--azure-ink);font-size:1rem}
.popt-head span{font-size:.88rem;color:var(--muted)}
.prow{padding:12px 22px 20px}
.pgrid{display:grid;grid-template-columns:repeat(5,1fr) auto;gap:14px 18px;align-items:center}
.pcol .k{display:block;font-size:.76rem;font-weight:700;color:var(--muted);margin-bottom:4px}
.pcol b{font-size:1.15rem;font-weight:800;color:var(--navy);letter-spacing:-.01em}
.pcol b small{font-size:.78rem;font-weight:600;color:var(--muted);white-space:nowrap}
.pcol .prate{font-size:1.7rem;color:var(--azure-ink)}
.pcol .cred{color:#1b7f4b}
.pcta{margin:0;justify-self:end}
.pfoot{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-top:14px}
.ra-jump{background:#fff;border:1.5px solid var(--navy);color:var(--navy);border-radius:9px;padding:8px 14px;font-weight:700;font-size:.86rem;cursor:pointer}
.ra-jump:hover{background:var(--navy);color:#fff}
.pfoot-note{font-size:.82rem;color:var(--muted)}
.pcc{margin-left:auto;display:inline-block;padding:10px 16px;border-radius:9px;background:var(--azure-t);color:var(--azure-ink);font-weight:700;font-size:.88rem}
.pcc:hover{background:var(--azure);color:var(--navy-d);text-decoration:none}
@media (max-width:1060px){.pgrid{grid-template-columns:repeat(3,1fr)}.pcta{grid-column:1/-1;justify-self:start}.pcta .btn{width:100%}}
@media (max-width:560px){.pgrid{grid-template-columns:1fr 1fr}.pcol .prate{font-size:1.5rem}.prow{padding:12px 16px 18px}.popt-head{padding:16px 16px 0}.pcc{margin-left:0;width:100%;text-align:center}}
.prow-more{border-top:1px solid var(--line);background:var(--bg-soft)}
.prow-more summary{cursor:pointer;padding:14px 22px;font-weight:700;color:var(--azure-ink);list-style:none}
.prow-more summary::-webkit-details-marker{display:none}
.prow-more summary::before{content:"+";display:inline-block;width:22px;font-weight:800}
.prow-more[open] summary::before{content:"\2212"}
.prow-more .less{display:none}
.prow-more[open] .more{display:none}
.prow-more[open] .less{display:inline}
.prow-more .prow{border-top:1px solid var(--line);background:#fff}
.rates-none{max-width:640px;margin:32px auto;padding:28px 26px;border:1px solid var(--line);border-left:5px solid var(--azure);border-radius:14px;background:#fff;text-align:center}
.rates-none p{color:var(--muted)}
.rate-note{margin:24px 2px 0;font-size:.84rem;color:var(--muted);max-width:90ch}
.ra-wrap .ra-card{border-radius:18px!important;border-color:var(--line)!important}

/* ======================= qualify + lead forms ======================= */
.qualify-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:32px;align-items:start}
@media (max-width:860px){.qualify-grid{grid-template-columns:1fr}}
.qsum{background:var(--navy);color:#dbe8f0;border-radius:18px;padding:26px 26px 20px}
.qs-head{font-weight:700;color:#fff;margin-bottom:10px}
.qbig{font-size:3rem;font-weight:800;color:#fff;letter-spacing:-.03em;line-height:1;margin-bottom:18px}
.qbig small{font-size:1rem;font-weight:600;color:#b8cfdc;margin-left:8px;letter-spacing:0}
.qsum ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.qsum li{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid rgba(255,255,255,.1);padding-bottom:8px;font-size:.95rem}
.qsum li b{color:#fff}
.qs-note{font-size:.8rem;color:#8fa9b8;margin:16px 0 0}
.qsum .btn{margin:6px 0 10px}
.lead-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px}
.lead-box h3{margin-bottom:4px}
.lead-box .muted{color:var(--muted);font-size:.95rem;margin-bottom:16px}
.ff{margin-bottom:14px}
.ff label{display:block;font-size:.85rem;font-weight:700;color:var(--navy);margin-bottom:6px}
.ff .opt{font-weight:500;color:var(--muted)}
.ff input,.ff textarea,.ff select{width:100%;padding:12px 13px;border:1px solid var(--line);border-radius:10px;font-size:1rem;background:#fff}
.ff input:focus,.ff textarea:focus{outline:none;border-color:var(--azure);box-shadow:0 0 0 3px var(--azure-t)}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
@media (max-width:480px){.f2{grid-template-columns:1fr}}
.form-note{font-size:.8rem;color:var(--muted);margin:12px 0 0}
.form-err{color:var(--red);font-weight:600;margin-top:10px}
.lead-thanks{text-align:center;padding:24px 10px}
.lead-check{width:56px;height:56px;border-radius:50%;background:var(--azure);color:var(--navy-d);font-size:28px;line-height:56px;margin:0 auto 12px;font-weight:800}

/* ======================= closing-costs sheet ======================= */
.crumbs{font-size:.88rem;color:var(--muted);margin:0 0 10px}
.crumbs a{color:var(--muted)}
.cc-cards{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:16px;margin-bottom:28px}
.cc-card{border:1px solid var(--line);border-radius:16px;padding:20px 22px;background:#fff}
.cc-card .k{font-size:.82rem;font-weight:700;color:var(--muted);margin-bottom:6px}
.cc-card .big{font-size:2.2rem;font-weight:800;letter-spacing:-.03em;line-height:1;color:var(--navy)}
.cc-card .big small{font-size:1rem;font-weight:600;color:var(--muted);letter-spacing:0}
.cc-card .sub{font-size:.88rem;color:var(--muted);margin-top:8px}
.cc-lead{background:var(--navy);border-color:var(--navy)}
.cc-lead .k,.cc-lead .sub{color:#b8cfdc}
.cc-lead .big{color:#fff}
.cc-lead .big small{color:#b8cfdc}
@media (max-width:860px){.cc-cards{grid-template-columns:1fr}}
.cc-grid{display:grid;grid-template-columns:1.25fr .95fr;gap:24px;align-items:start}
@media (max-width:980px){.cc-grid{grid-template-columns:1fr}}
.cc-block{border:1px solid var(--line);border-radius:16px;padding:22px 24px;background:#fff;margin-bottom:20px}
.cc-block h2{font-size:1.2rem;margin-bottom:14px}
.cc-facts{display:grid;grid-template-columns:1fr 1fr;gap:10px 24px}
.cc-facts div{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid var(--line);padding:8px 0;font-size:.95rem}
.cc-facts span{color:var(--muted)}
.cc-facts b{color:var(--navy);text-align:right}
@media (max-width:560px){.cc-facts{grid-template-columns:1fr}}
.cc-group{font-weight:700;color:var(--azure-ink);font-size:.85rem;margin:16px 0 6px}
.cc-table{width:100%;border-collapse:collapse;font-size:.95rem}
.cc-table td{padding:7px 0;border-bottom:1px solid var(--line)}
.cc-table td:last-child{text-align:right;white-space:nowrap;font-weight:600}
.cc-table tr.sub td{font-weight:700;color:var(--navy);border-bottom:2px solid var(--line)}
.cc-grand{display:flex;justify-content:space-between;gap:12px;margin-top:16px;padding:14px 16px;background:var(--bg-soft);border-radius:10px;font-weight:700;color:var(--navy)}
.cc-grand b{font-size:1.15rem}
.cc-note{font-size:.84rem;color:var(--muted);margin:14px 0 0;line-height:1.5}
.cc-side{position:sticky;top:104px}
.pay-lines>div{display:flex;justify-content:space-between;gap:12px;padding:9px 0;border-bottom:1px solid var(--line);font-size:.97rem}
.pay-lines span{color:var(--muted)}
.pay-lines b{color:var(--navy)}
.pay-lines .total{border-bottom:0;padding-top:14px}
.pay-lines .total span{color:var(--navy);font-weight:700}
.pay-lines .total b{font-size:1.5rem;letter-spacing:-.02em}
.pay-lines .total b small{font-size:.85rem;color:var(--muted);font-weight:600}
.pay-lines .how{font-size:.78em;font-weight:700;color:var(--azure-ink);text-decoration:underline;text-underline-offset:2px;margin-left:4px}
.cc-escrow{margin-top:18px;padding-top:16px;border-top:1px solid var(--line)}
.cc-escrow h3{font-size:1rem;margin-bottom:4px}
.cc-escrow>p{font-size:.88rem;color:var(--muted);margin-bottom:12px}
.cc-escrow .hint{display:block;font-size:.78rem;color:var(--muted);margin-top:4px}
.cc-how{margin-top:10px;border-top:1px solid var(--line);padding-top:12px}
.cc-how summary{cursor:pointer;font-weight:700;font-size:.9rem;color:var(--azure-ink);list-style:none}
.cc-how summary::-webkit-details-marker{display:none}
.cc-how summary::before{content:"+";display:inline-block;width:18px;font-weight:800}
.cc-how[open] summary::before{content:"\2212"}
.cc-how-body{font-size:.86rem;color:var(--muted);line-height:1.55;margin-top:10px}
.cc-how-body p{margin:0 0 10px;transition:background .2s;border-radius:6px}
.cc-how-body p.flash{background:var(--azure-t)}
.cc-how-body strong{color:var(--navy)}
.asof-note{font-size:.8rem}

/* ======================= reviews widget ======================= */
.rvw{padding:84px 0;background:var(--bg-soft)}
.rvw .sec-head{margin-bottom:24px}
.rvw-bar{display:flex;align-items:center;gap:22px;flex-wrap:wrap;margin-bottom:26px}
.rvw-overall{display:flex;align-items:center;gap:12px}
.rvw-score{font-size:2.6rem;font-weight:800;letter-spacing:-.04em;color:var(--navy);line-height:1}
.rvw-stars{color:#f5a623;letter-spacing:2px;font-size:1.05rem}
.rvw-count{font-size:.88rem;color:var(--muted)}
.rvw-tabs{display:flex;gap:6px;flex-wrap:wrap;background:#fff;border:1px solid var(--line);border-radius:999px;padding:4px}
.rvw-tab{border:0;background:transparent;padding:8px 14px;border-radius:999px;font-weight:700;font-size:.88rem;color:var(--muted);cursor:pointer;display:inline-flex;gap:8px;align-items:center}
.rvw-tab.on{background:var(--navy);color:#fff}
.rvw-tab-score{font-size:.78rem;opacity:.85}
.rvw-write{margin-left:auto}
.rvw-carousel{position:relative}
.rvw-track{display:flex;gap:18px;overflow-x:auto;scroll-snap-type:x mandatory;padding:4px 2px 14px;scrollbar-width:none}
.rvw-track::-webkit-scrollbar{display:none}
.rvw-card{flex:0 0 340px;scroll-snap-align:start;background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;display:flex;flex-direction:column}
.rvw-arrow{position:absolute;top:50%;transform:translateY(-50%);width:40px;height:40px;border-radius:50%;border:1px solid var(--line);background:#fff;font-size:1.5rem;line-height:1;cursor:pointer;color:var(--navy);z-index:2;box-shadow:0 4px 14px rgba(13,33,46,.12)}
.rvw-arrow.prev{left:-14px}.rvw-arrow.next{right:-14px}
@media (max-width:620px){.rvw-arrow{display:none}.rvw-card{flex-basis:86%}}
.rvc-head{display:flex;align-items:center;gap:10px;margin-bottom:10px}
.rvc-avatar{width:38px;height:38px;border-radius:50%;object-fit:cover;flex:none}
.rvc-init{display:flex;align-items:center;justify-content:center;font-weight:800;color:#fff;background:var(--navy)}
.rvc-init.src-google{background:#4285F4}.rvc-init.src-zillow{background:#006AFF}.rvc-init.src-trustpilot{background:#00b67a}
.rvc-who{min-width:0;flex:1}
.rvc-name{font-weight:700;color:var(--navy);font-size:.95rem;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.rvc-verify{color:#1b7f4b;font-size:.75rem}
.rvc-time{font-size:.78rem;color:var(--muted)}
.rvc-srcbadge{font-size:.72rem;font-weight:700;padding:4px 8px;border-radius:999px;background:var(--bg-soft);color:var(--navy);display:inline-flex;align-items:center;gap:4px;white-space:nowrap}
.rvc-srcbadge.src-zillow{background:#e8f0ff;color:#0a4bd0}.rvc-srcbadge.src-trustpilot{background:#e3f7ef;color:#0b7a52}
.gicon{width:12px;height:12px}
.rvc-stars{color:#f5a623;letter-spacing:1px;margin-bottom:6px;font-size:.95rem}
.rvc-title{font-weight:700;color:var(--navy);margin-bottom:4px}
.rvc-text{font-size:.95rem;line-height:1.55;color:var(--ink);display:-webkit-box;-webkit-line-clamp:5;-webkit-box-orient:vertical;overflow:hidden}
.rvw-m-item .rvc-text{display:block;overflow:visible}
.rvc-more{margin-top:auto;padding:10px 0 0;background:none;border:0;color:var(--azure-ink);font-weight:700;font-size:.85rem;cursor:pointer;text-align:left}
.rvc-reply{margin-top:12px;padding:12px 14px;background:var(--bg-soft);border-left:3px solid var(--azure);border-radius:8px;font-size:.88rem;color:var(--muted)}
.rvc-reply-lbl{display:block;font-weight:700;color:var(--navy);margin-bottom:4px;font-size:.8rem}
.rvw-empty{text-align:center;padding:30px}
.rvw-badges-row{display:flex;gap:14px;align-items:center;justify-content:center;flex-wrap:wrap;margin-top:30px}
.rev-badges-label{width:100%;text-align:center;font-size:.8rem;font-weight:700;color:var(--muted)}
.gbadge,.zbadge,.tbadge{display:inline-flex;align-items:center;gap:10px;padding:10px 16px;border:1px solid var(--line);border-radius:999px;background:#fff;color:var(--navy);font-weight:700;cursor:pointer;font-size:.9rem;text-decoration:none!important}
.gbadge:hover,.zbadge:hover,.tbadge:hover{border-color:var(--azure)}
.gbadge .score,.zbadge .score,.tbadge .score{font-size:1.05rem}
.gbadge .stars,.zbadge .stars,.tbadge .stars{color:#f5a623;letter-spacing:1px;font-size:.85rem}
.gbadge .cnt,.zbadge .cnt,.tbadge .cnt{font-weight:500;color:var(--muted);font-size:.85rem}
.glogo b{font-weight:800}.glogo b:nth-child(1){color:#4285F4}.glogo b:nth-child(2){color:#EA4335}.glogo b:nth-child(3){color:#FBBC05}.glogo b:nth-child(4){color:#4285F4}.glogo b:nth-child(5){color:#34A853}.glogo b:nth-child(6){color:#EA4335}
.zlogo{color:#006AFF;font-weight:800}.tlogo{color:#00b67a;font-weight:800}
/* modal */
.rvw-modal{position:fixed;inset:0;z-index:200;display:none}
.rvw-modal.show{display:block}
.rvw-modal-bd{position:absolute;inset:0;background:rgba(7,21,32,.6)}
.rvw-modal-panel{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:min(760px,94vw);max-height:90vh;background:#fff;border-radius:18px;display:flex;flex-direction:column;overflow:hidden;box-shadow:0 30px 80px rgba(0,0,0,.4)}
.rvw-modal-x{position:absolute;top:10px;right:12px;width:38px;height:38px;border:0;background:var(--bg-soft);border-radius:50%;font-size:1.4rem;cursor:pointer;z-index:2}
.rvw-modal-head{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:20px 60px 16px 22px;border-bottom:1px solid var(--line)}
.rvw-modal-scroll{overflow:auto;padding:16px 22px}
.rvw-m-item{padding:16px 0;border-bottom:1px solid var(--line)}
.rvw-m-item.flash{background:var(--azure-t)}
.rvw-modal-foot{padding:14px 22px;border-top:1px solid var(--line);text-align:center}
.rvw-noscroll{overflow:hidden}
/* write-a-review */
.rvw-cap-panel{width:min(560px,94vw)}
.rvw-cap-body{padding:26px 24px}
.rvw-cap-body h3{margin-bottom:4px}
.rvw-cap-sub{color:var(--muted);font-size:.95rem;margin-bottom:12px}
.rvw-cap-body label{display:block;font-size:.85rem;font-weight:700;color:var(--navy);margin:12px 0 0}
.rvw-cap-body input,.rvw-cap-body textarea{display:block;width:100%;margin-top:6px;padding:11px 12px;border:1px solid var(--line);border-radius:10px;font-size:1rem;font-weight:400}
.ask-inline{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:480px){.ask-inline{grid-template-columns:1fr}}
.rvw-stars-input{display:flex;gap:4px;margin-bottom:4px}
.rvw-star{background:none;border:0;font-size:2rem;line-height:1;color:var(--line);cursor:pointer;padding:0 2px}
.rvw-star.on{color:#f5a623}
.rvw-cap-body .btn{margin-top:16px;width:100%}
.exit-fine{font-size:.78rem;color:var(--muted);margin:10px 0 0}
.rvw-cap-or{text-align:center;margin:18px 0 10px;font-size:.82rem;color:var(--muted)}
.rvw-cap-ext{display:flex;gap:10px;justify-content:center}
.rvw-cap-ext a{padding:8px 14px;border:1px solid var(--line);border-radius:999px;font-weight:700;font-size:.88rem;color:var(--navy)}
.rvw-cap-done{text-align:center;padding:40px 24px}
.rvw-cap-check{width:56px;height:56px;border-radius:50%;background:var(--azure);color:var(--navy-d);font-size:28px;line-height:56px;margin:0 auto 12px;font-weight:800}
.rvw-m-item .rvc-more{display:none}

/* ======================= comparison panel ======================= */
.cmp{background:var(--navy);border-radius:24px;padding:26px 28px 22px;color:#dbe8f0;position:relative;overflow:hidden}
.cmp::before{content:"";position:absolute;inset:-40% -20% auto auto;width:60%;height:140%;background:radial-gradient(closest-side,rgba(0,184,250,.22),rgba(0,184,250,0));pointer-events:none}
.cmp>*{position:relative}
.cmp-top{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap;margin-bottom:22px}
.cmp-seg{display:inline-flex;background:rgba(255,255,255,.08);border-radius:12px;padding:4px}
.cmp-seg button{border:0;background:transparent;color:#c7dbe6;font-weight:700;padding:10px 18px;border-radius:9px;cursor:pointer;font-size:.95rem}
.cmp-seg button.on{background:var(--azure);color:var(--navy-d)}
.cmp-scn{font-size:.85rem;color:#9fbfd0}
.cmp-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.cmp-col{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.1);border-radius:16px;padding:22px 20px 18px;display:flex;flex-direction:column;gap:6px;transition:transform .2s,border-color .2s}
.cmp-col:hover{transform:translateY(-3px);border-color:rgba(0,184,250,.6)}
.cmp-col.kind-par{border-color:rgba(0,184,250,.55);box-shadow:inset 0 0 0 1px rgba(0,184,250,.35)}
.cmp-kind{font-size:.82rem;font-weight:700;color:var(--azure);letter-spacing:.01em}
.cmp-rate{font-size:2.6rem;font-weight:800;letter-spacing:-.04em;line-height:1;color:#fff}
.cmp-rate sup{font-size:.45em;top:-.9em;color:#c7dbe6}
.cmp-apr{font-size:.85rem;color:#9fbfd0}
.cmp-bar{height:6px;border-radius:3px;background:rgba(255,255,255,.12);margin:10px 0 6px;overflow:hidden}
.cmp-bar span{display:block;height:100%;background:linear-gradient(90deg,var(--azure),#5fd4ff);border-radius:3px;transform-origin:left;animation:cmpgrow .7s cubic-bezier(.2,.8,.2,1) both}
@keyframes cmpgrow{from{transform:scaleX(0)}to{transform:scaleX(1)}}
.cmp-dl{margin:0;display:grid;gap:8px;flex:1}
.cmp-dl div{display:flex;justify-content:space-between;gap:10px;font-size:.88rem;border-bottom:1px solid rgba(255,255,255,.08);padding-bottom:8px}
.cmp-dl dt{color:#9fbfd0}
.cmp-dl dd{margin:0;color:#fff;text-align:right}
.cmp-dl dd b{color:var(--azure)}
.cmp-dl .cred{color:#6fe3a8}
.cmp-col .btn{margin-top:10px;background:rgba(255,255,255,.06);color:#fff;border-color:rgba(255,255,255,.25)}
.cmp-col .btn:hover{background:#fff;color:var(--navy)}
.cmp .rates-note{color:#8fa9b8;margin-top:18px}
@media (max-width:900px){.cmp-grid{grid-template-columns:1fr}.cmp{padding:20px 16px 16px}}

/* rate callout inside the refinance copy */
.rate-callout{display:grid;grid-template-columns:repeat(3,auto) 1fr;gap:18px 28px;align-items:center;background:linear-gradient(135deg,var(--navy),#0b4a6e);color:#fff;border-radius:16px;padding:20px 24px;margin:18px 0 8px}
.rate-callout span{display:block;font-size:.78rem;color:#9fbfd0;margin-bottom:2px}
.rate-callout b{font-size:1.6rem;font-weight:800;letter-spacing:-.03em;color:#fff;white-space:nowrap}
.rate-callout .asof-b{font-size:1rem}
.rate-callout .btn{justify-self:end}
@media (max-width:760px){.rate-callout{grid-template-columns:1fr 1fr}.rate-callout .btn{grid-column:1/-1;justify-self:stretch}}
.fine{font-size:.84rem;color:var(--muted)}
.stat b[data-count]{font-variant-numeric:tabular-nums}

/* ======================= calculators page ======================= */
.calcs{display:grid;grid-template-columns:260px minmax(0,1fr);gap:28px;align-items:start}
.calc-nav{display:flex;flex-direction:column;gap:8px;position:sticky;top:104px}
.calc-nav a{display:block;padding:14px 16px;border:1px solid var(--line);border-radius:14px;background:#fff;color:var(--navy);text-decoration:none!important;transition:border-color .15s,background .15s}
.calc-nav a b{display:block;font-size:.98rem}
.calc-nav a span{display:block;font-size:.8rem;color:var(--muted);margin-top:2px}
.calc-nav a:hover{border-color:var(--azure)}
.calc-nav a.on{background:var(--navy);border-color:var(--navy);color:#fff}
.calc-nav a.on span{color:#b8cfdc}
.calc-nav a.live{border-style:dashed}
.calc-nav a.live b{color:var(--azure-ink)}
@media (max-width:900px){.calcs{grid-template-columns:minmax(0,1fr)}.calc-nav{position:static;flex-direction:row;overflow-x:auto;padding-bottom:4px;scrollbar-width:none}.calc-nav a{flex:0 0 200px}}
.tool{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(300px,.9fr);gap:24px;border:1px solid var(--line);border-radius:20px;background:#fff;padding:26px}
@media (max-width:980px){.tool{grid-template-columns:1fr;padding:18px}}
.tool-h{font-size:.95rem;color:var(--azure-ink);margin:6px 0 10px}
.tool-h+.f2{margin-top:0}
.sld2{margin-bottom:16px}
.sld2 .sld-top label{font-size:.88rem;font-weight:700;color:var(--navy)}
.sld2 output{font-weight:800;color:var(--navy);font-size:1.05rem}
.sld2 input[type=range]{width:100%;height:28px;margin:0;-webkit-appearance:none;appearance:none;background:transparent;cursor:pointer;--fill:50%}
.sld2 input[type=range]::-webkit-slider-runnable-track{height:6px;border-radius:3px;background:linear-gradient(90deg,var(--azure) var(--fill),var(--line) var(--fill))}
.sld2 input[type=range]::-moz-range-track{height:6px;border-radius:3px;background:var(--line)}
.sld2 input[type=range]::-moz-range-progress{height:6px;border-radius:3px;background:var(--azure)}
.sld2 input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:22px;height:22px;border-radius:50%;background:#fff;border:3px solid var(--azure);margin-top:-8px;box-shadow:0 2px 8px rgba(13,33,46,.2)}
.sld2 input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;border:3px solid var(--azure)}
.seg2{display:flex;background:var(--bg-soft);border-radius:10px;padding:4px;gap:2px}
.seg2 label{flex:1;margin:0}
.seg2 input{position:absolute;opacity:0;pointer-events:none}
.seg2 span{display:block;text-align:center;padding:9px 6px;border-radius:8px;font-weight:700;font-size:.9rem;color:var(--muted);cursor:pointer}
.seg2 input:checked+span{background:#fff;color:var(--navy);box-shadow:0 1px 4px rgba(13,33,46,.12)}
.seg2 input:focus-visible+span{outline:3px solid var(--azure)}
.ff .hint{display:block;font-size:.76rem;color:var(--muted);margin-top:4px}
.adv{margin-top:6px;border-top:1px solid var(--line);padding-top:12px}
.adv summary{cursor:pointer;font-weight:700;color:var(--azure-ink);font-size:.9rem;list-style:none}
.adv summary::-webkit-details-marker{display:none}
.adv summary::before{content:"+";display:inline-block;width:18px;font-weight:800}
.adv[open] summary::before{content:"\2212"}
.tool-out{background:var(--navy);color:#dbe8f0;border-radius:16px;padding:24px 22px;display:flex;flex-direction:column;gap:14px;position:relative;overflow:hidden}
.tool-out::before{content:"";position:absolute;inset:-30% -30% auto auto;width:70%;height:120%;background:radial-gradient(closest-side,rgba(0,184,250,.2),rgba(0,184,250,0));pointer-events:none}
.tool-out>*{position:relative}
.ring-wrap{position:relative;width:200px;height:200px;margin:0 auto}
.ring{width:200px;height:200px;transform:rotate(-90deg)}
.ring circle{fill:none;stroke-width:14;stroke-linecap:butt}
.ring-bg{stroke:rgba(255,255,255,.1)}
.ring-seg{transition:stroke-dasharray .4s,stroke-dashoffset .4s}
.seg-pi{stroke:var(--azure)}.seg-tax{stroke:#6fe3a8}.seg-ins{stroke:#ffd166}.seg-mi{stroke:#ff8fa3}.seg-hoa{stroke:#b8cfdc}
.ring-center{position:absolute;inset:0;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center}
.ring-center .k{font-size:.78rem;color:#9fbfd0}
.ring-center b{font-size:2rem;font-weight:800;letter-spacing:-.03em;color:#fff;line-height:1.1}
.legend{list-style:none;margin:0;padding:0;display:grid;gap:6px}
.legend li{display:flex;justify-content:space-between;gap:10px;font-size:.9rem;padding-left:18px;position:relative}
.legend li::before{content:"";position:absolute;left:0;top:7px;width:10px;height:10px;border-radius:3px;background:#fff}
.legend .l-pi::before{background:var(--azure)}.legend .l-tax::before{background:#6fe3a8}.legend .l-ins::before{background:#ffd166}.legend .l-mi::before{background:#ff8fa3}.legend .l-hoa::before{background:#b8cfdc}
.legend span{color:#c7dbe6}.legend b{color:#fff}
.out-facts{display:grid;gap:6px;border-top:1px solid rgba(255,255,255,.12);padding-top:12px}
.out-facts div{display:flex;justify-content:space-between;gap:10px;font-size:.9rem}
.out-facts span{color:#9fbfd0}.out-facts b{color:#fff}
.tool-out .hint{font-size:.78rem;color:#9fbfd0;margin:0;min-height:1em}
.tool-out .btn{margin-top:auto}
.big-out{text-align:center;padding:8px 0 4px}
.big-out .k{display:block;font-size:.82rem;color:#9fbfd0;margin-bottom:4px}
.big-out b{display:block;font-size:2.8rem;font-weight:800;letter-spacing:-.04em;color:#fff;line-height:1}
.big-out b.good{color:#6fe3a8}.big-out b.bad{color:#ff8fa3}
.big-out em{display:block;font-style:normal;font-size:.85rem;color:#c7dbe6;margin-top:6px}
.gauge{height:10px;border-radius:5px;background:rgba(255,255,255,.12);overflow:hidden}
.gauge span{display:block;height:100%;background:linear-gradient(90deg,var(--azure),#6fe3a8);border-radius:5px;transition:width .35s}
.gauge-l{display:flex;justify-content:space-between;font-size:.72rem;color:#9fbfd0;margin-top:-8px}
.vs{display:grid;grid-template-columns:1fr auto 1fr;gap:10px;align-items:center;text-align:center;background:rgba(255,255,255,.06);border-radius:12px;padding:14px 10px}
.vs span{display:block;font-size:.78rem;color:#9fbfd0}
.vs b{display:block;font-size:1.5rem;font-weight:800;color:#fff;letter-spacing:-.02em}
.vs small{display:block;font-size:.75rem;color:#c7dbe6}
.vs i{font-style:normal}
.vs-arrow{font-size:1.4rem;color:var(--azure)}
.ff .rf-pre input{padding-left:28px}

/* ======================= city pages ======================= */
.city-hero{position:relative;isolation:isolate;overflow:hidden;color:#fff;padding:56px 0 48px;background:linear-gradient(135deg,var(--navy-d) 0%,var(--navy) 45%,#0b5f85 85%,var(--azure-d) 120%)}
.city-hero-img{position:absolute;inset:0;z-index:-2;width:100%;height:100%;object-fit:cover;object-position:center}
.city-hero.has-photo::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(7,21,32,.93) 0%,rgba(7,21,32,.8) 50%,rgba(7,21,32,.35) 100%)}
@media (max-width:700px){.city-hero.has-photo::after{background:linear-gradient(180deg,rgba(7,21,32,.9),rgba(7,21,32,.78))}}
.city-hero .crumbs,.city-hero .crumbs a{color:#9fbfd0}
.city-hero h1{color:#fff;max-width:18ch}
.city-hero .lead{color:#c7dbe6;max-width:62ch}
.city-eyebrow{color:var(--azure);font-weight:700;font-size:.9rem;margin:0 0 8px}
.city-hero .hero-cta{margin-top:22px}
.city-stats{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.city-stat{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:14px 18px;min-width:150px;backdrop-filter:blur(6px)}
.city-stat b{display:block;font-size:1.5rem;font-weight:800;letter-spacing:-.03em;color:#fff;line-height:1.1}
.city-stat span{display:block;font-size:.8rem;color:#b8cfdc;margin-top:4px}
.city-rates .rate-cell.focus{background:var(--azure-t)}
.prose{max-width:74ch}
.prose p,.prose li{font-size:1.02rem;line-height:1.65}
.prose h2{margin-top:1.6em}
.prose h2:first-child{margin-top:0}
.prose h3{margin-top:1.3em;font-size:1.15rem}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.4em}
.two-col{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:40px;align-items:start}
.two-col .aside{position:sticky;top:104px;display:grid;gap:16px}
@media (max-width:980px){.two-col{grid-template-columns:1fr}.two-col .aside{position:static}}
.tile{border:1px solid var(--line);border-radius:16px;padding:22px;background:#fff}
.tile h3{font-size:1.05rem;margin-bottom:8px}
.tile p{font-size:.95rem;color:var(--muted);margin:0}
.tile.navy{background:var(--navy);border-color:var(--navy);color:#dbe8f0}
.tile.navy h3{color:#fff}.tile.navy p{color:#b8cfdc}
.tile.azure{background:var(--azure-t);border-color:#bfe9fb}
.callout{border-left:4px solid var(--azure);background:var(--bg-soft);border-radius:0 12px 12px 0;padding:16px 20px;margin:20px 0}
.callout b{color:var(--navy)}
.keyfacts{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:12px;margin:18px 0 26px}
.keyfacts div{border:1px solid var(--line);border-radius:12px;padding:14px 16px;background:#fff}
.keyfacts b{display:block;font-size:1.3rem;font-weight:800;color:var(--navy);letter-spacing:-.02em}
.keyfacts span{font-size:.8rem;color:var(--muted)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:14px}
.steps li{position:relative;padding-left:52px;counter-increment:s}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.steps b{display:block;color:var(--navy)}
.cmp-table{width:100%;border-collapse:collapse;font-size:.95rem;margin:16px 0}
.cmp-table th,.cmp-table td{padding:10px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.cmp-table th{font-size:.8rem;color:var(--muted);font-weight:700}
.cmp-table td:first-child{font-weight:700;color:var(--navy)}
.faq{max-width:80ch}
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:10px;padding:0 18px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 0;list-style:none;position:relative;padding-right:30px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:1.4rem;font-weight:400;color:var(--azure-ink)}
.faq details[open] summary::after{content:"\2212"}
.faq-a{padding:0 0 16px;color:var(--ink);font-size:.97rem;line-height:1.6}
.faq-a p{margin:0 0 .6em}
.links-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px}
.links-grid h3{font-size:1rem;margin-bottom:12px}
@media (max-width:760px){.links-grid{grid-template-columns:1fr}}
.city-links{padding:48px 0;border-top:1px solid var(--line)}

.faq-q{display:inline;font-size:1rem;font-weight:700;color:var(--navy);margin:0;letter-spacing:0;line-height:1.4}
.nbhd{display:flex;flex-wrap:wrap;gap:8px;margin-top:18px}.nbhd span{font-size:.82rem;padding:6px 12px;border-radius:999px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);color:#dbe8f0}

/* ======================= areas we serve ======================= */
.area-jump{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:36px;position:sticky;top:86px;z-index:5;background:rgba(255,255,255,.95);padding:10px 0;backdrop-filter:blur(6px)}
.area-jump a{padding:8px 14px;border-radius:999px;border:1px solid var(--line);font-weight:700;font-size:.88rem;color:var(--navy)}
.area-jump a:hover{border-color:var(--azure);text-decoration:none}
.area-region{padding:12px 0 36px;scroll-margin-top:150px}
.area-head{display:grid;grid-template-columns:260px 1fr;gap:24px;align-items:baseline;border-bottom:2px solid var(--navy);padding-bottom:12px;margin-bottom:18px}
.area-head h2{margin:0;font-size:1.6rem}
.area-head p{margin:0;color:var(--muted)}
@media (max-width:760px){.area-head{grid-template-columns:1fr;gap:4px}}
.area-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:14px}
.area-card{border:1px solid var(--line);border-radius:14px;padding:18px 18px 14px;background:#fff;transition:border-color .15s}
.area-card:hover{border-color:var(--azure)}
.area-card h3{margin:0;font-size:1.1rem}
.area-card h3 a{color:var(--navy)}
.area-county{font-size:.8rem;color:var(--muted);margin:2px 0 2px}
.area-limits{display:flex;flex-wrap:wrap;gap:2px 12px;font-size:.78rem;color:var(--muted);margin:0 0 12px;font-variant-numeric:tabular-nums}
.area-limits b{color:var(--ink);font-weight:600}
.area-card ul{list-style:none;margin:0;padding:0;display:grid;gap:2px;border-top:1px solid var(--line)}
.area-card li a{display:block;padding:7px 0 6px;font-size:.92rem;font-weight:600;color:var(--azure-ink);border-bottom:1px solid var(--line);text-decoration:none}
.area-card li:last-child a{border-bottom:0}
.area-card li a span{display:block;font-size:.78rem;font-weight:400;color:var(--muted);margin-top:1px}
.area-card li a:hover{color:var(--navy)}
.area-card li a:hover span{color:var(--muted)}

/* ======================= city costs (insurance + tax) ======================= */
.cost-grid{display:grid;grid-template-columns:1fr 1fr 1.3fr;gap:14px}
@media (max-width:900px){.cost-grid{grid-template-columns:1fr}}
.cost-card{border:1px solid var(--line);border-radius:16px;padding:20px;background:#fff;position:relative;overflow:hidden}
.cost-card::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--azure)}
.cost-card.tax::before{background:#1b7f4b}
.cost-card.ex{background:var(--navy);border-color:var(--navy);color:#dbe8f0}
.cost-card.ex::before{display:none}
.cost-card .k{font-size:.82rem;font-weight:700;color:var(--muted)}
.cost-card.ex .k{color:#9fbfd0}
.cost-card .v{font-size:2.1rem;font-weight:800;letter-spacing:-.03em;color:var(--navy);margin:6px 0 4px;line-height:1.1}
.cost-card .v small{font-size:.9rem;font-weight:600;color:var(--muted);letter-spacing:0}
.cost-card .s{font-size:.85rem;color:var(--muted)}
.cost-card .rows{display:grid;gap:8px;margin-top:10px}
.cost-card .rows div{display:flex;justify-content:space-between;gap:10px;font-size:.9rem;border-bottom:1px solid rgba(255,255,255,.1);padding-bottom:8px}
.cost-card .rows span{color:#b8cfdc}.cost-card .rows b{color:#fff}
.cost-card .rows .tot{border-bottom:0}.cost-card .rows .tot b{color:var(--azure);font-size:1.1rem}
.cost-src{font-size:.8rem;color:var(--muted);margin:12px 2px 0;max-width:110ch}
/* tiles placed inside dark bands: glass cards with readable headings */
.sec-navy .tile:not(.navy){background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);color:#dbe8f0}
.sec-navy .tile:not(.navy) h3{color:#fff}
.sec-navy .tile:not(.navy) p{color:#b8cfdc}
.sec-navy .tile:not(.navy) a,.sec-navy .prose a{color:#7fd3f7}

/* DSCR calculator (city DSCR pages) */
.dscr-calc{display:grid;grid-template-columns:1.3fr 1fr;gap:18px;border:1px solid var(--line);border-radius:18px;padding:20px;background:#fff;margin:18px 0}
.dscr-in{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:12px}
.dscr-in label{display:flex;flex-direction:column;gap:4px;font-size:.82rem;font-weight:700;color:var(--muted)}
.dscr-in input{width:100%;padding:10px 12px;border:1px solid var(--line);border-radius:10px;font-size:1rem;font-weight:600;color:var(--navy);background:#fff}
.dscr-in input:focus{outline:2px solid var(--azure);outline-offset:1px}
.dscr-out{background:var(--navy);color:#dbe8f0;border-radius:14px;padding:18px}
.dscr-big span{display:block;font-size:.78rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;opacity:.8}
.dscr-big b{display:block;font-size:2.6rem;font-weight:800;color:#fff;letter-spacing:-.03em;line-height:1.1}
.dscr-big em{display:block;font-style:normal;font-size:.88rem;color:var(--azure);margin-bottom:10px}
.dscr-out dl{display:grid;grid-template-columns:1fr auto;gap:6px 12px;margin:0;font-size:.9rem}
.dscr-out dt{opacity:.85}.dscr-out dd{margin:0;font-weight:700;color:#fff;text-align:right;font-variant-numeric:tabular-nums}
.dscr-note{grid-column:1/-1;margin:0;font-size:.88rem;color:var(--muted)}
@media (max-width:760px){.dscr-calc{grid-template-columns:1fr;padding:16px}.dscr-in{grid-template-columns:1fr 1fr}}
.dscr-links{grid-column:1/-1;margin:0;display:flex;flex-wrap:wrap;gap:6px 18px;font-size:.88rem;font-weight:600}

/* areas-we-serve hero: full width, value points instead of counts */
.area-hero h1{max-width:none}
.area-hero .lead{max-width:none;font-size:1.12rem}
.area-promise{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-top:28px}
.area-promise div{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:14px 18px}
.area-promise b{display:block;color:#fff;font-size:1.02rem;font-weight:700}
.area-promise span{display:block;font-size:.84rem;color:#b8cfdc;margin-top:3px}
@media (max-width:900px){.area-promise{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.area-promise{grid-template-columns:1fr}}
.sub-wide{min-width:330px}
/* main nav: keep items on one line now that Buy and Refinance are in the bar */
@media (min-width:1061px){.nav>ul>li>a,.nav>ul>li>button{white-space:nowrap}}
@media (min-width:1061px) and (max-width:1420px){.nav>ul>li>a,.nav>ul>li>button{padding:10px 9px;font-size:.95rem}.head-phone{display:none}}
.head-phone{white-space:nowrap}
.gwc-turnstile{margin:10px 0;max-width:100%}
/* homepage: review badges in the hero, buydown note under the rate strip */
.hero-badges .rev-badges{justify-content:flex-start;margin-top:0;gap:10px}
.hero-badges .rev-badges-label{text-align:left}
.hero-gradient .hero-badges .rev-badges-label{color:#b8cfdc}
.rates-cta{display:flex;align-items:center;justify-content:space-between;gap:18px;flex-wrap:wrap;margin-top:18px;padding:16px 20px;border:1px solid var(--line);border-radius:14px;background:#fff}
.rates-cta p{margin:0;max-width:70ch;font-size:.95rem}
.hero-badges .gbadge,.hero-badges .zbadge,.hero-badges .tbadge{padding:7px 12px;gap:6px;font-size:.8rem}
.hero-badges .score{font-size:.92rem!important}
.hero-badges .stars{font-size:.72rem!important;letter-spacing:0!important}
.hero-badges .cnt{font-size:.75rem!important}
/* review badges: equal-width pills in every placement (stacked on phones) */
.rev-badges{display:grid!important;grid-template-columns:repeat(3,1fr);width:max-content;max-width:100%;margin-left:auto;margin-right:auto}
.rev-badges-label{grid-column:1/-1}
.rev-badges .gbadge,.rev-badges .zbadge,.rev-badges .tbadge{justify-content:space-between;min-width:0}
.hero-badges .rev-badges{margin-left:0;margin-right:0}
@media (max-width:760px){.rev-badges{grid-template-columns:1fr}}
/* reviews: grid layout (Oct 2026) */
.rvw-bar{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 22px;box-shadow:0 10px 30px rgba(7,21,32,.06)}
.rvw-overall{padding-right:18px;border-right:1px solid var(--line)}
.rvw-tabs{background:transparent;border:0;padding:0;border-radius:0;gap:8px}
.rvw-tab{flex-direction:column;gap:2px;border:1px solid var(--line);border-radius:12px;padding:9px 18px;min-width:96px;color:var(--navy);background:#fff}
.rvw-tab:hover{border-color:var(--azure)}
.rvw-tab.on{background:var(--navy);border-color:var(--navy);color:#fff}
.rvw-tab-score{font-size:.78rem;opacity:.8}
.rvw-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:16px}
.rvw-grid .rvw-card{flex:none;border-top:3px solid var(--azure);border-radius:14px;padding:18px;box-shadow:0 6px 20px rgba(7,21,32,.05);min-width:0}
.rvw-grid .rvw-card[hidden]{display:none}
.rvw-grid .rvc-head{flex-wrap:wrap}
.rvw-grid .rvc-name{white-space:normal}
.rvw-grid .rvc-text{font-size:.9rem;-webkit-line-clamp:6}
.rvw-grid-foot{text-align:center;margin-top:22px}
@media (max-width:1100px){.rvw-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:760px){.rvw-grid{grid-template-columns:1fr}.rvw-overall{border-right:0;padding-right:0}.rvw-tab{min-width:0;padding:8px 12px}}
.rvc-starsrow{display:flex;align-items:center;justify-content:space-between;gap:8px;margin-bottom:8px}
.rvc-starsrow .rvc-stars{margin:0}
.rvw-grid .rvc-head{flex-wrap:nowrap}
/* phones: grid children never wider than the screen; bare tables scroll inside their box */
.calcs>*,.story>*,.two-col>*,.grid>*{min-width:0}
.prose>.cmp-table{display:block;overflow-x:auto;max-width:100%}
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;max-width:100%}
.seg2 input,.seg input{width:1px!important;height:1px!important;margin:0}
@media (max-width:760px){.btn{max-width:100%;white-space:normal;text-align:center}}
/* hero review badges: two-line pills (score + stars over the count, logo at right) so all three fit on one line (Oct 21 2026) */
.hero-badges .gbadge,.hero-badges .zbadge,.hero-badges .tbadge{display:grid;grid-template-columns:auto auto 1fr;grid-template-areas:"score stars logo" "cnt cnt logo";column-gap:6px;row-gap:1px;align-items:center;padding:6px 14px}
.hero-badges .score{grid-area:score;line-height:1.1}
.hero-badges .stars{grid-area:stars;line-height:1}
.hero-badges .cnt{grid-area:cnt;line-height:1.1;text-align:left;white-space:nowrap}
.hero-badges .glogo,.hero-badges .zlogo,.hero-badges .tlogo{grid-area:logo;justify-self:end;white-space:nowrap;padding-left:4px}
@media (min-width:761px) and (max-width:1200px){.hero-badges .rev-badges{gap:8px}.hero-badges .gbadge,.hero-badges .zbadge,.hero-badges .tbadge{padding:6px 10px;column-gap:4px}.hero-badges .stars{font-size:.62rem!important}.hero-badges .glogo,.hero-badges .zlogo,.hero-badges .tlogo{font-size:.74rem;padding-left:2px}}
@media (min-width:761px) and (max-width:1060px){.hero-badges .rev-badges{gap:6px}.hero-badges .gbadge,.hero-badges .zbadge,.hero-badges .tbadge{padding:5px 8px;column-gap:3px}.hero-badges .score{font-size:.84rem!important}.hero-badges .glogo,.hero-badges .zlogo,.hero-badges .tlogo{font-size:.68rem}}