:root {
  --navy: #0b1f33;
  --navy-2: #102b47;
  --navy-3: #173b5e;
  --blue: #1769e0;
  --blue-dark: #0f55bc;
  --emerald: #18a66a;
  --emerald-dark: #087e4c;
  --off-white: #f7f9fc;
  --light-blue: #eef4fa;
  --charcoal: #1d2939;
  --muted: #5f6f82;
  --line: #d9e3ed;
  --white: #ffffff;
  --shadow-sm: 0 10px 32px rgba(11, 31, 51, 0.08);
  --shadow-lg: 0 28px 70px rgba(4, 18, 34, 0.2);
  --radius: 16px;
  --container: 1200px;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 92px;
}

body {
  margin: 0;
  color: var(--charcoal);
  background: var(--white);
  font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}

body.menu-open {
  overflow: hidden;
}

a {
  color: inherit;
  text-decoration: none;
}

button,
input,
textarea {
  font: inherit;
}

button,
a {
  -webkit-tap-highlight-color: transparent;
}

:focus-visible {
  outline: 3px solid rgba(23, 105, 224, 0.45);
  outline-offset: 3px;
}

h1,
h2,
h3,
p {
  margin-top: 0;
}

h1,
h2,
h3 {
  color: var(--navy);
  font-weight: 760;
  line-height: 1.08;
  letter-spacing: -0.035em;
}

h1 {
  margin-bottom: 24px;
  font-size: clamp(2.8rem, 5.5vw, 5.15rem);
}

h2 {
  margin-bottom: 20px;
  font-size: clamp(2.25rem, 4vw, 3.65rem);
}

h3 {
  font-size: 1.35rem;
}

p {
  color: var(--muted);
}

.container {
  width: min(calc(100% - 40px), var(--container));
  margin-inline: auto;
}

.section {
  padding: 110px 0;
}

.compact-top {
  padding-top: 0;
}

.skip-link {
  position: fixed;
  top: 12px;
  left: 12px;
  z-index: 999;
  transform: translateY(-160%);
  padding: 10px 16px;
  color: var(--white);
  background: var(--blue);
  border-radius: 8px;
  transition: transform 0.2s ease;
}

.skip-link:focus {
  transform: translateY(0);
}

.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;
}

.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255, 255, 255, 0.96);
  border-bottom: 1px solid rgba(217, 227, 237, 0.9);
  backdrop-filter: blur(16px);
}

.nav-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 76px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 11px;
  flex-shrink: 0;
}

.brand-mark {
  display: grid;
  width: 36px;
  height: 36px;
  place-items: center;
  background: var(--navy);
  border-radius: 10px;
  box-shadow: 0 7px 18px rgba(11, 31, 51, 0.15);
}

.brand-mark svg {
  width: 26px;
  height: 26px;
}

.brand-mark path {
  fill: none;
  stroke: var(--emerald);
  stroke-width: 4;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.brand-copy {
  display: flex;
  align-items: baseline;
  color: var(--navy);
  font-size: 1.05rem;
  letter-spacing: -0.025em;
}

.brand-copy strong {
  font-weight: 790;
}

.brand-copy span {
  color: var(--blue);
  font-weight: 700;
}

.primary-nav {
  display: flex;
  align-items: center;
  gap: 22px;
}

.primary-nav > a {
  color: #33465b;
  font-size: 0.875rem;
  font-weight: 650;
  line-height: 1.2;
  transition: color 0.2s ease, background 0.2s ease, border-color 0.2s ease;
}

.primary-nav > a:hover {
  color: var(--blue);
}

.primary-nav .nav-quote,
.primary-nav .nav-quick {
  display: inline-flex;
  min-height: 42px;
  align-items: center;
  justify-content: center;
  padding: 0 17px;
  border-radius: 8px;
}

.primary-nav .nav-quote {
  color: var(--white);
  background: var(--blue);
}

.primary-nav .nav-quote:hover {
  color: var(--white);
  background: var(--blue-dark);
}

.primary-nav .nav-quick {
  color: var(--blue);
  background: var(--white);
  border: 1px solid #b9cee8;
}

.primary-nav .nav-quick:hover {
  border-color: var(--blue);
}

.menu-toggle {
  display: none;
  width: 45px;
  height: 45px;
  padding: 11px;
  border: 0;
  background: var(--light-blue);
  border-radius: 8px;
}

.menu-toggle > span:not(.sr-only) {
  display: block;
  width: 22px;
  height: 2px;
  margin: 4px 0;
  background: var(--navy);
  transition: transform 0.2s ease, opacity 0.2s ease;
}

.hero {
  position: relative;
  min-height: 720px;
  overflow: hidden;
  color: var(--white);
  background:
    radial-gradient(circle at 84% 20%, rgba(23, 105, 224, 0.24), transparent 31%),
    radial-gradient(circle at 8% 110%, rgba(24, 166, 106, 0.12), transparent 30%),
    var(--navy);
}

.hero-grid {
  position: absolute;
  inset: 0;
  opacity: 0.16;
  background-image:
    linear-gradient(rgba(255, 255, 255, 0.08) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255, 255, 255, 0.08) 1px, transparent 1px);
  background-size: 72px 72px;
  mask-image: linear-gradient(90deg, transparent, #000 65%);
}

.hero-layout {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: minmax(0, 1.1fr) minmax(420px, 0.8fr);
  gap: 72px;
  align-items: center;
  padding-top: 96px;
  padding-bottom: 100px;
}

.hero-copy {
  max-width: 720px;
}

.eyebrow,
.section-label,
.desk-kicker,
.eyebrow-mini {
  text-transform: uppercase;
  font-size: 0.77rem;
  font-weight: 790;
  letter-spacing: 0.13em;
}

.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 10px;
  margin-bottom: 22px;
  color: #b8d7ff;
}

.eyebrow > span {
  width: 28px;
  height: 2px;
  background: var(--emerald);
}

.hero h1 {
  color: var(--white);
}

.hero-lead {
  max-width: 670px;
  margin-bottom: 30px;
  color: #cedbea;
  font-size: 1.22rem;
  line-height: 1.58;
}

.trust-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px 24px;
  max-width: 680px;
  padding: 0;
  margin: 0 0 34px;
  list-style: none;
}

.trust-list li {
  position: relative;
  padding-left: 28px;
  color: #edf5ff;
  font-size: 0.95rem;
  font-weight: 620;
}

.trust-list li::before {
  position: absolute;
  left: 0;
  top: 0.05em;
  color: var(--emerald);
  content: "✓";
  font-weight: 900;
}

.hero-actions,
.lender-actions,
.final-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}

.button {
  display: inline-flex;
  min-height: 52px;
  align-items: center;
  justify-content: center;
  gap: 8px;
  padding: 0 22px;
  border: 1px solid transparent;
  border-radius: 9px;
  font-size: 0.89rem;
  font-weight: 780;
  letter-spacing: 0.02em;
  text-align: center;
  text-transform: uppercase;
  cursor: pointer;
  transition: transform 0.2s ease, box-shadow 0.2s ease, background 0.2s ease, border-color 0.2s ease;
}

.button:hover {
  transform: translateY(-2px);
}

.button-primary {
  color: var(--white);
  background: var(--blue);
  box-shadow: 0 10px 24px rgba(23, 105, 224, 0.26);
}

.button-primary:hover {
  background: var(--blue-dark);
  box-shadow: 0 14px 28px rgba(23, 105, 224, 0.3);
}

.button-light {
  color: var(--blue);
  background: var(--white);
  border-color: rgba(255, 255, 255, 0.5);
}

.button-light:hover,
.button-white:hover {
  background: #f0f6ff;
}

.button-secondary {
  color: var(--blue);
  background: var(--white);
  border-color: #adc7e5;
}

.button-secondary:hover {
  border-color: var(--blue);
  background: var(--light-blue);
}

.button-white {
  color: var(--blue);
  background: var(--white);
  box-shadow: 0 14px 30px rgba(5, 29, 61, 0.18);
}

.button-large {
  min-height: 60px;
  padding-inline: 30px;
}

.button-ghost {
  color: var(--white);
  background: transparent;
  border-color: rgba(255, 255, 255, 0.4);
}

.button-ghost:hover {
  border-color: var(--white);
}

.deadline-note {
  margin: 23px 0 0;
  color: #d7e4f2;
  font-size: 0.94rem;
}

.deadline-note strong {
  color: var(--white);
}

.quick-note {
  margin: 3px 0 0;
  color: #8298b0;
  font-size: 0.82rem;
}

.closing-desk {
  position: relative;
  overflow: hidden;
  padding: 27px;
  background: rgba(255, 255, 255, 0.97);
  border: 1px solid rgba(255, 255, 255, 0.2);
  border-radius: 18px;
  box-shadow: var(--shadow-lg);
}

.closing-desk::before {
  position: absolute;
  inset: 0 0 auto;
  height: 3px;
  background: linear-gradient(90deg, var(--blue), #5d9df4 58%, var(--emerald));
  content: "";
}

.desk-top,
.deal-meta,
.ready-bar,
.application-card-top,
.term-panel-head {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 18px;
}

.desk-top {
  padding-bottom: 22px;
  border-bottom: 1px solid var(--line);
}

.desk-kicker {
  display: block;
  margin-bottom: 6px;
  color: var(--blue);
  font-size: 0.67rem;
}

.desk-top h2 {
  margin: 0;
  font-size: 1.23rem;
  letter-spacing: -0.02em;
}

.desk-status {
  display: inline-flex;
  flex-shrink: 0;
  align-items: center;
  gap: 7px;
  padding: 7px 10px;
  color: var(--navy);
  background: var(--light-blue);
  border-radius: 6px;
  font-size: 0.72rem;
  font-weight: 750;
}

.desk-status i {
  width: 7px;
  height: 7px;
  background: var(--blue);
  border-radius: 50%;
  box-shadow: 0 0 0 4px rgba(23, 105, 224, 0.12);
}

.deal-meta {
  padding: 18px 0 13px;
  color: var(--muted);
  font-size: 0.77rem;
}

.deal-meta strong {
  color: var(--navy);
}

.desk-steps {
  position: relative;
  padding: 0;
  margin: 0;
  list-style: none;
}

.desk-steps::before {
  position: absolute;
  top: 23px;
  bottom: 23px;
  left: 18px;
  width: 1px;
  background: #dce6ef;
  content: "";
}

.desk-steps li {
  position: relative;
  display: grid;
  grid-template-columns: 36px 1fr auto;
  gap: 13px;
  align-items: center;
  min-height: 59px;
  padding: 7px 10px 7px 0;
  color: #7a8998;
  border-radius: 8px;
}

.desk-steps li > span {
  z-index: 1;
  display: grid;
  width: 36px;
  height: 36px;
  place-items: center;
  color: #728295;
  background: #eff3f7;
  border: 4px solid var(--white);
  border-radius: 50%;
  font-size: 0.67rem;
  font-style: normal;
  font-weight: 800;
}

.desk-steps li strong,
.desk-steps li small {
  display: block;
}

.desk-steps li strong {
  color: #617083;
  font-size: 0.88rem;
}

.desk-steps li small {
  color: #95a1ad;
  font-size: 0.7rem;
}

.desk-steps li.complete > span {
  color: var(--white);
  background: var(--emerald);
}

.desk-steps li.complete > i {
  color: var(--emerald);
  font-style: normal;
  font-weight: 900;
}

.desk-steps li.active {
  padding-left: 6px;
  background: var(--light-blue);
  box-shadow: inset 3px 0 var(--blue);
}

.desk-steps li.active > span {
  color: var(--white);
  background: var(--blue);
}

.desk-steps li.active strong,
.desk-steps li.complete strong {
  color: var(--navy);
}

.desk-steps li.active b {
  padding: 4px 7px;
  color: var(--blue);
  background: #dceaff;
  border-radius: 4px;
  font-size: 0.62rem;
  text-transform: uppercase;
}

.ready-bar {
  margin-top: 17px;
  padding: 14px 16px;
  color: var(--navy);
  background: #eaf8f1;
  border: 1px solid #bee8d5;
  border-radius: 8px;
  font-size: 0.77rem;
}

.ready-bar strong {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--emerald-dark);
  text-transform: uppercase;
  letter-spacing: 0.05em;
}

.ready-bar i {
  width: 8px;
  height: 8px;
  background: var(--emerald);
  border-radius: 50%;
  box-shadow: 0 0 0 4px rgba(24, 166, 106, 0.13);
}

.urgency-bar {
  background: #e9f2ff;
  border-bottom: 1px solid #cfdff2;
}

.urgency-wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 28px;
  min-height: 86px;
}

.urgency-wrap p {
  max-width: 790px;
  margin: 0;
  color: #39516c;
  font-size: 0.95rem;
}

.urgency-wrap p strong {
  color: var(--navy);
}

.urgency-wrap > div {
  display: flex;
  flex-shrink: 0;
  gap: 22px;
}

.text-link {
  color: var(--blue);
  font-size: 0.82rem;
  font-weight: 790;
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.text-link span {
  margin-left: 4px;
}

.muted-link {
  color: #536d88;
}

.section-label {
  display: block;
  margin-bottom: 15px;
  color: var(--blue);
}

.light-label {
  color: #9fc8ff;
}

.split-layout,
.coverage-layout,
.example-layout,
.about-layout,
.faq-layout {
  display: grid;
  grid-template-columns: minmax(0, 0.92fr) minmax(0, 1.08fr);
  gap: 85px;
  align-items: start;
}

.section-intro > p {
  font-size: 1.05rem;
}

.section-intro .button {
  margin-top: 12px;
}

.sticky-copy {
  position: sticky;
  top: 116px;
}

.story-lines {
  margin: 28px 0 24px;
  padding-left: 22px;
  border-left: 2px solid #c9d9e8;
}

.story-lines p {
  margin: 4px 0;
  color: #44566a;
  font-weight: 610;
}

.section-intro blockquote {
  margin: 22px 0;
  padding: 19px 22px;
  color: var(--navy);
  background: var(--light-blue);
  border-left: 4px solid var(--blue);
  font-size: 1.18rem;
  font-weight: 740;
}

.process-card {
  overflow: hidden;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: var(--radius);
  box-shadow: var(--shadow-sm);
}

.process-card-head {
  padding: 25px 28px;
  color: var(--white);
  background: var(--navy);
}

.process-card-head span,
.process-card-head strong {
  display: block;
}

.process-card-head span {
  margin-bottom: 4px;
  color: #9eb4ca;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.1em;
}

.process-card-head strong {
  font-size: 1.25rem;
}

.large-checklist {
  padding: 12px 28px 20px;
  margin: 0;
  list-style: none;
}

.large-checklist li {
  display: grid;
  grid-template-columns: 35px 1fr;
  gap: 14px;
  align-items: start;
  padding: 17px 0;
  border-bottom: 1px solid #e6ecf2;
}

.large-checklist li:last-child {
  border-bottom: 0;
}

.large-checklist li > span {
  display: grid;
  width: 31px;
  height: 31px;
  place-items: center;
  color: var(--emerald-dark);
  background: #e7f7ef;
  border-radius: 50%;
  font-weight: 900;
}

.large-checklist strong,
.large-checklist small {
  display: block;
}

.large-checklist strong {
  margin-bottom: 2px;
  color: var(--navy);
}

.large-checklist small {
  color: #718092;
  font-size: 0.84rem;
  line-height: 1.5;
}

.value-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 22px;
}

.value-card {
  position: relative;
  min-height: 286px;
  padding: 33px;
  background: var(--off-white);
  border: 1px solid #e2e9f0;
  border-radius: 14px;
}

.value-card.featured-card {
  background: var(--white);
  border-color: #b8d3f5;
  box-shadow: var(--shadow-sm);
}

.card-tag {
  position: absolute;
  top: 18px;
  right: 18px;
  padding: 4px 8px;
  color: var(--blue);
  background: #e7f0ff;
  border-radius: 4px;
  font-size: 0.66rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.07em;
}

.icon-box {
  display: grid;
  width: 50px;
  height: 50px;
  margin-bottom: 31px;
  place-items: center;
  color: var(--blue);
  background: #e7f0ff;
  border-radius: 10px;
}

.icon-box svg {
  width: 25px;
  height: 25px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.value-card h3 {
  margin-bottom: 12px;
}

.value-card p {
  margin-bottom: 0;
  font-size: 0.93rem;
}

.quick-application {
  position: relative;
  overflow: hidden;
  color: var(--white);
  background: var(--blue);
}

.quick-application::after {
  position: absolute;
  top: -260px;
  right: -220px;
  width: 600px;
  height: 600px;
  background: rgba(255, 255, 255, 0.06);
  border-radius: 50%;
  content: "";
}

.quick-layout {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 0.75fr;
  gap: 100px;
  align-items: center;
}

.quick-layout > div:first-child {
  max-width: 690px;
}

.quick-layout h2,
.quick-layout .big-lead {
  color: var(--white);
}

.quick-layout p:not(.big-lead) {
  color: #d5e5fb;
}

.big-lead {
  color: var(--navy);
  font-size: 1.25rem;
  font-weight: 680;
  line-height: 1.45;
}

.quick-layout .button {
  margin: 13px 0 14px;
}

.quick-layout > div:first-child > small {
  display: block;
  color: #bbd5f7;
  font-size: 0.8rem;
}

.application-card {
  padding: 25px;
  color: var(--charcoal);
  background: var(--white);
  border-radius: 14px;
  box-shadow: 0 25px 60px rgba(5, 35, 76, 0.25);
}

.application-card-top {
  padding-bottom: 16px;
  color: var(--muted);
  border-bottom: 1px solid var(--line);
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.application-card-top strong {
  color: var(--blue);
}

.application-card ul {
  padding: 7px 0;
  margin: 0;
  list-style: none;
}

.application-card li {
  display: grid;
  grid-template-columns: 39px 1fr;
  gap: 13px;
  align-items: center;
  padding: 15px 0;
  border-bottom: 1px solid #e5ebf1;
}

.application-card li > span {
  display: grid;
  width: 36px;
  height: 36px;
  place-items: center;
  color: var(--blue);
  background: var(--light-blue);
  border-radius: 7px;
  font-size: 0.72rem;
  font-weight: 800;
}

.application-card li strong,
.application-card li small {
  display: block;
}

.application-card li strong {
  color: var(--navy);
  font-size: 0.9rem;
}

.application-card li small {
  color: #7c8997;
  font-size: 0.74rem;
}

.secure-note {
  display: flex;
  align-items: center;
  gap: 9px;
  margin-top: 10px;
  color: var(--blue);
  font-size: 0.78rem;
  font-weight: 730;
}

.secure-note span {
  display: grid;
  width: 24px;
  height: 24px;
  place-items: center;
  color: var(--white);
  background: var(--blue);
  border-radius: 50%;
}

.how-section {
  background: var(--off-white);
}

.center-intro {
  max-width: 760px;
  margin: 0 auto 56px;
  text-align: center;
}

.center-intro p {
  max-width: 620px;
  margin: 0 auto;
  font-size: 1.05rem;
}

.timeline {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  padding: 0;
  margin: 0;
  overflow: hidden;
  background: #dce4ec;
  border: 1px solid #dce4ec;
  border-radius: 14px;
  list-style: none;
  box-shadow: var(--shadow-sm);
}

.timeline li {
  min-height: 236px;
  padding: 30px;
  background: var(--white);
}

.timeline li > span {
  display: block;
  margin-bottom: 45px;
  color: var(--blue);
  font-size: 0.8rem;
  font-weight: 820;
  letter-spacing: 0.08em;
}

.timeline li strong {
  display: block;
  margin-bottom: 10px;
  color: var(--navy);
  font-size: 1.03rem;
  line-height: 1.35;
}

.timeline li p {
  margin-bottom: 0;
  font-size: 0.87rem;
  line-height: 1.55;
}

.closing-result {
  display: flex;
  width: max-content;
  align-items: center;
  gap: 14px;
  margin: 30px auto 0;
  padding: 13px 22px 13px 13px;
  color: var(--emerald-dark);
  background: #e9f8f1;
  border: 1px solid #c3e9d6;
  border-radius: 10px;
}

.closing-result > span {
  display: grid;
  width: 36px;
  height: 36px;
  place-items: center;
  color: var(--white);
  background: var(--emerald);
  border-radius: 50%;
  font-weight: 900;
}

.closing-result small,
.closing-result strong {
  display: block;
}

.closing-result small {
  color: #55856e;
  font-size: 0.67rem;
  text-transform: uppercase;
  letter-spacing: 0.09em;
}

.closing-result strong {
  text-transform: uppercase;
  letter-spacing: 0.04em;
}

.speed-section {
  background: var(--light-blue);
}

.section-row {
  display: grid;
  grid-template-columns: 1fr 0.55fr;
  gap: 60px;
  align-items: end;
  margin-bottom: 48px;
}

.section-row h2 {
  max-width: 730px;
  margin-bottom: 0;
}

.section-row > p {
  margin: 0 0 5px;
}

.speed-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
}

.speed-grid article {
  position: relative;
  min-height: 246px;
  padding: 33px;
  overflow: hidden;
  background: var(--white);
  border: 1px solid #d7e3ef;
  border-top: 3px solid var(--blue);
  border-radius: 11px;
}

.speed-number {
  position: absolute;
  top: 18px;
  right: 24px;
  color: #e6eef7;
  font-size: 3.8rem;
  font-weight: 850;
  line-height: 1;
}

.speed-grid small {
  position: relative;
  display: block;
  margin: 38px 0 13px;
  color: var(--blue);
  font-size: 0.72rem;
  font-weight: 800;
  text-transform: uppercase;
  letter-spacing: 0.09em;
}

.speed-grid h3 {
  position: relative;
  margin-bottom: 12px;
  font-size: 1.7rem;
}

.speed-grid p {
  position: relative;
  margin: 0;
  font-size: 0.92rem;
}

.speed-bottom {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 25px;
  margin-top: 29px;
  padding: 23px 26px;
  background: var(--white);
  border: 1px solid #d3e0ec;
  border-radius: 10px;
}

.speed-bottom strong {
  color: var(--navy);
  font-size: 1.13rem;
}

.coverage-layout {
  grid-template-columns: 0.95fr 1.05fr;
  align-items: center;
}

.coverage-layout > div:first-child > p {
  font-size: 1.02rem;
}

.disclosure {
  color: #718193 !important;
  font-size: 0.79rem !important;
}

.coverage-visual {
  padding: 35px;
  background: var(--navy);
  border-radius: 14px;
  box-shadow: var(--shadow-lg);
}

.coverage-ruler {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  color: #b7cce2;
  font-size: 0.73rem;
  font-weight: 740;
  text-align: center;
}

.coverage-bars {
  display: grid;
  grid-template-columns: repeat(5, 1fr);
  gap: 9px;
  align-items: end;
  height: 250px;
  padding: 20px 12px 0;
  border-bottom: 1px solid #4a6077;
}

.coverage-bars i {
  display: block;
  background: linear-gradient(180deg, #4388ec, #175bbd);
  border-radius: 4px 4px 0 0;
}

.coverage-bars i:nth-child(1) { height: 18%; }
.coverage-bars i:nth-child(2) { height: 32%; }
.coverage-bars i:nth-child(3) { height: 51%; }
.coverage-bars i:nth-child(4) { height: 69%; }
.coverage-bars i:nth-child(5) { height: 92%; }

.coverage-visual p,
.coverage-visual strong {
  display: block;
  text-align: center;
}

.coverage-visual p {
  margin: 22px 0 0;
  color: #92a7bc;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.09em;
}

.coverage-visual strong {
  color: var(--white);
  font-size: 1.05rem;
}

.term-section {
  background: var(--off-white);
}

.term-panel {
  overflow: hidden;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
}

.term-panel-head {
  padding: 23px 26px;
  color: #8a9aab;
  border-bottom: 1px solid var(--line);
  font-size: 0.78rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.term-panel-head strong {
  color: var(--navy);
}

.term-factors {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  padding: 31px 27px 27px;
}

.term-factors span {
  padding: 10px 13px;
  color: #40566c;
  background: var(--light-blue);
  border: 1px solid #d9e7f5;
  border-radius: 7px;
  font-size: 0.82rem;
  font-weight: 630;
}

.fit-meter {
  margin: 0 27px 27px;
  padding: 20px;
  background: var(--navy);
  border-radius: 8px;
}

.fit-meter span,
.fit-meter strong {
  display: block;
}

.fit-meter span {
  margin-bottom: 4px;
  color: #8ea7bf;
  font-size: 0.69rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.fit-meter strong {
  color: var(--white);
  font-size: 1rem;
}

.statement {
  margin: 26px 0 15px;
  padding-left: 18px;
  border-left: 3px solid var(--blue);
  font-size: 1.42rem;
  line-height: 1.35;
}

.assignment-section {
  color: var(--white);
  background:
    linear-gradient(125deg, rgba(23, 105, 224, 0.16), transparent 48%),
    var(--navy);
}

.assignment-header {
  display: grid;
  grid-template-columns: 1fr 0.75fr;
  gap: 70px;
  align-items: end;
  margin-bottom: 55px;
}

.assignment-header h2,
.assignment-explainer .accent-copy {
  color: var(--white);
}

.assignment-header h2 {
  margin-bottom: 0;
}

.assignment-header > p {
  margin: 0;
  color: #bdccda;
}

.assignment-grid {
  display: grid;
  grid-template-columns: 1fr 0.75fr;
  gap: 65px;
  align-items: center;
}

.assignment-flow {
  padding: 26px;
  background: rgba(255, 255, 255, 0.06);
  border: 1px solid rgba(255, 255, 255, 0.15);
  border-radius: 14px;
}

.assignment-flow > div {
  display: grid;
  grid-template-columns: 43px 1fr auto;
  gap: 15px;
  align-items: center;
  padding: 14px 16px;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.09);
  border-radius: 8px;
}

.assignment-flow > i {
  display: block;
  height: 26px;
  padding: 2px 0 0 15px;
  color: #6e86a0;
  font-style: normal;
}

.flow-icon {
  display: grid;
  width: 40px;
  height: 40px;
  place-items: center;
  color: #a9c0d7;
  background: #203a54;
  border-radius: 7px;
  font-size: 0.73rem;
  font-weight: 800;
}

.assignment-flow p,
.assignment-flow small,
.assignment-flow strong {
  display: block;
  margin: 0;
}

.assignment-flow small {
  color: #859db4;
  font-size: 0.66rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.assignment-flow strong {
  color: var(--white);
  font-size: 0.94rem;
}

.assignment-flow em {
  padding: 4px 8px;
  color: #a8cbff;
  background: rgba(23, 105, 224, 0.2);
  border: 1px solid rgba(91, 156, 245, 0.25);
  border-radius: 4px;
  font-size: 0.67rem;
  font-style: normal;
  font-weight: 750;
}

.assignment-flow .flow-active {
  background: rgba(23, 105, 224, 0.2);
  border-color: rgba(93, 157, 244, 0.38);
}

.assignment-flow .flow-active .flow-icon {
  color: var(--white);
  background: var(--blue);
}

.assignment-flow .flow-success {
  background: rgba(24, 166, 106, 0.12);
  border-color: rgba(49, 188, 123, 0.34);
}

.assignment-flow .flow-success .flow-icon {
  color: var(--white);
  background: var(--emerald);
}

.assignment-flow .flow-success strong {
  color: #8ae0b7;
}

.eyebrow-mini {
  display: block;
  margin-bottom: 18px;
  color: #83b4f6;
}

.assignment-explainer p {
  color: #b8c8d8;
  font-size: 1.07rem;
}

.assignment-explainer .accent-copy {
  margin: 26px 0;
  padding-left: 20px;
  border-left: 3px solid var(--emerald);
  font-size: 1.2rem;
  font-weight: 680;
}

.example-section {
  background: var(--off-white);
}

.example-layout {
  align-items: center;
}

.calculator-card {
  padding: 32px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
}

.calc-row,
.calc-result {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
}

.calc-row {
  padding: 15px 0;
  color: var(--muted);
  border-bottom: 1px solid var(--line);
}

.calc-row strong {
  color: var(--navy);
  font-size: 1.15rem;
}

.allocation-bar {
  display: flex;
  height: 54px;
  margin: 29px 0;
  overflow: hidden;
  color: var(--white);
  background: #cae0fb;
  border-radius: 7px;
  font-size: 0.75rem;
  font-weight: 760;
}

.allocation-bar span,
.allocation-bar i {
  display: flex;
  align-items: center;
  justify-content: center;
}

.allocation-bar span {
  background: var(--blue);
}

.allocation-bar i {
  flex: 1;
  color: var(--navy);
  font-style: normal;
}

.calc-result {
  padding: 18px 20px;
  color: var(--emerald-dark);
  background: #eaf8f1;
  border: 1px solid #c7ead9;
  border-radius: 8px;
}

.calc-result strong {
  font-size: 1.3rem;
}

.calculator-card > small {
  display: block;
  margin-top: 14px;
  color: #84909e;
  font-size: 0.72rem;
  line-height: 1.45;
}

.existing-section {
  padding-top: 0;
  background: var(--off-white);
}

.existing-card {
  display: grid;
  grid-template-columns: 0.7fr 1fr;
  gap: 65px;
  padding: 48px;
  background: var(--white);
  border: 1px solid var(--line);
  border-radius: 14px;
  box-shadow: var(--shadow-sm);
}

.existing-heading h2 {
  margin-bottom: 10px;
  font-size: clamp(2rem, 3vw, 3rem);
}

.inline-checks {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 8px 18px;
  padding: 0;
  margin: 24px 0 27px;
  list-style: none;
}

.inline-checks li {
  position: relative;
  padding-left: 24px;
  color: #3e5266;
  font-size: 0.91rem;
  font-weight: 630;
}

.inline-checks li::before {
  position: absolute;
  left: 0;
  color: var(--emerald);
  content: "✓";
  font-weight: 900;
}

.financing-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 13px;
}

.financing-grid article {
  min-height: 160px;
  padding: 24px;
  background: var(--off-white);
  border: 1px solid #e0e8f0;
  border-radius: 10px;
}

.financing-grid article:hover {
  border-color: #a9c8ec;
}

.financing-grid span {
  display: block;
  margin-bottom: 37px;
  color: var(--blue);
  font-size: 0.72rem;
  font-weight: 800;
}

.financing-grid h3 {
  margin: 0;
  font-size: 1.1rem;
  line-height: 1.3;
}

.financing-grid .wide-card {
  grid-column: span 2;
  background: var(--light-blue);
}

.protection-section {
  background: var(--light-blue);
}

.protection-layout {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 85px;
  align-items: center;
}

.protection-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 11px;
}

.protection-grid span {
  display: flex;
  min-height: 75px;
  align-items: center;
  padding: 18px;
  color: var(--navy);
  background: var(--white);
  border: 1px solid #d1e0ef;
  border-left: 3px solid var(--blue);
  border-radius: 8px;
  font-weight: 690;
}

.protection-grid span:last-child {
  grid-column: span 2;
}

.lender-section {
  color: var(--white);
  background: var(--navy);
}

.lender-layout {
  display: grid;
  grid-template-columns: 0.95fr 1.05fr;
  gap: 85px;
  align-items: center;
}

.lender-layout h2,
.lender-layout .big-lead {
  color: var(--white);
}

.lender-layout p:not(.big-lead) {
  color: #b8cadb;
}

.lender-actions {
  margin: 32px 0;
}

.lender-statement {
  padding-top: 22px;
  border-top: 1px solid #2a425a;
}

.lender-statement strong,
.lender-statement span {
  display: block;
}

.lender-statement strong {
  color: #9bb0c6;
  font-size: 0.86rem;
}

.lender-statement span {
  color: var(--white);
  font-size: 1.35rem;
  font-weight: 740;
}

.lender-flow {
  display: grid;
  grid-template-columns: 1fr auto 1fr;
  gap: 12px;
  align-items: center;
}

.lender-flow > div {
  display: flex;
  min-height: 116px;
  align-items: center;
  gap: 13px;
  padding: 18px;
  background: #132e48;
  border: 1px solid #26425d;
  border-radius: 9px;
}

.lender-flow > div:nth-of-type(1) { grid-column: 1; grid-row: 1; }
.lender-flow > i:nth-of-type(1) { grid-column: 2; grid-row: 1; }
.lender-flow > div:nth-of-type(2) { grid-column: 3; grid-row: 1; }

.lender-flow > div:nth-of-type(3),
.lender-flow > div:nth-of-type(4) {
  grid-column: auto;
}

.lender-flow > i {
  color: #58728c;
  font-style: normal;
}

.lender-flow > i:nth-of-type(2) {
  grid-column: 3;
  grid-row: 2;
  justify-self: center;
  transform: rotate(90deg);
}

.lender-flow > div:nth-of-type(3) {
  grid-column: 3;
  grid-row: 3;
}

.lender-flow > i:nth-of-type(3) {
  grid-column: 2;
  grid-row: 3;
  transform: rotate(180deg);
}

.lender-flow > div:nth-of-type(4) {
  grid-column: 1;
  grid-row: 3;
}

.lender-flow span {
  display: grid;
  width: 34px;
  height: 34px;
  flex-shrink: 0;
  place-items: center;
  color: #9dc7ff;
  background: rgba(23, 105, 224, 0.2);
  border-radius: 6px;
  font-size: 0.7rem;
  font-weight: 800;
}

.lender-flow p,
.lender-flow strong,
.lender-flow small {
  display: block;
  margin: 0;
}

.lender-flow strong {
  color: var(--white);
  font-size: 0.83rem;
}

.lender-flow small {
  color: #8198ad;
  font-size: 0.69rem;
}

.about-layout {
  grid-template-columns: 0.72fr 1.28fr;
  align-items: center;
}

.portrait-card {
  overflow: hidden;
  background: var(--navy);
  border-radius: 14px;
  box-shadow: var(--shadow-lg);
}

.portrait-photo {
  height: 430px;
  overflow: hidden;
  background: #d8d8d8;
}

.portrait-photo img {
  display: block;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 23%;
}

.portrait-caption {
  padding: 23px 25px;
  background: var(--white);
}

.portrait-caption strong,
.portrait-caption span {
  display: block;
}

.portrait-caption strong {
  color: var(--navy);
  font-size: 1.1rem;
}

.portrait-caption span {
  color: #718092;
  font-size: 0.78rem;
  line-height: 1.45;
}

.about-section blockquote {
  margin: 28px 0 0;
  padding: 22px 0 0;
  color: var(--navy);
  border-top: 1px solid var(--line);
  font-size: 1.35rem;
  font-weight: 750;
  line-height: 1.4;
}

.quote-section {
  color: var(--white);
  background:
    radial-gradient(circle at 15% 90%, rgba(23, 105, 224, 0.2), transparent 35%),
    var(--navy);
}

.quote-layout {
  display: grid;
  grid-template-columns: 0.65fr 1.35fr;
  gap: 72px;
  align-items: start;
}

.quote-copy {
  position: sticky;
  top: 116px;
}

.quote-copy h2,
.quote-copy .big-lead {
  color: var(--white);
}

.quote-copy .big-lead {
  color: #c5d4e4;
}

.quote-points {
  margin: 30px 0;
  padding: 24px 0;
  border-top: 1px solid #28435d;
  border-bottom: 1px solid #28435d;
}

.quote-points p {
  margin: 10px 0;
  color: #d1deeb;
  font-size: 0.92rem;
}

.quote-points span {
  margin-right: 8px;
  color: var(--emerald);
  font-weight: 900;
}

.ready-apply small,
.ready-apply a {
  display: block;
}

.ready-apply small {
  color: #8da6be;
  font-size: 0.75rem;
  text-transform: uppercase;
  letter-spacing: 0.08em;
}

.ready-apply a {
  color: var(--white);
  font-size: 1.08rem;
  font-weight: 760;
}

.ready-apply a span {
  color: #8fc1ff;
}

.lead-form {
  padding: 36px;
  color: var(--charcoal);
  background: var(--white);
  border-radius: 15px;
  box-shadow: var(--shadow-lg);
}

.form-mode {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 7px;
  padding: 6px;
  background: var(--light-blue);
  border-radius: 9px;
}

.mode-button {
  min-height: 44px;
  padding: 8px 12px;
  color: #53687e;
  background: transparent;
  border: 0;
  border-radius: 6px;
  font-size: 0.82rem;
  font-weight: 720;
  cursor: pointer;
}

.mode-button.active {
  color: var(--navy);
  background: var(--white);
  box-shadow: 0 4px 12px rgba(20, 45, 72, 0.08);
}

.form-context {
  margin: 21px 0 25px;
  padding: 14px 17px;
  background: #f4f7fa;
  border-left: 3px solid var(--blue);
}

.form-context strong,
.form-context span {
  display: block;
}

.form-context strong {
  color: var(--navy);
  font-size: 0.9rem;
}

.form-context span {
  color: #708093;
  font-size: 0.78rem;
}

.form-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 18px;
}

.form-grid label,
.full-field {
  display: block;
}

.form-grid label > span,
.full-field > span {
  display: block;
  margin-bottom: 6px;
  color: #374a5e;
  font-size: 0.8rem;
  font-weight: 690;
}

.full-field > span small {
  color: #8997a5;
  font-weight: 500;
}

.lead-form input,
.lead-form textarea {
  width: 100%;
  color: var(--charcoal);
  background: var(--white);
  border: 1px solid #cbd7e3;
  border-radius: 7px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.lead-form input {
  height: 48px;
  padding: 0 13px;
}

.lead-form textarea {
  min-height: 110px;
  padding: 12px 13px;
  resize: vertical;
}

.lead-form input:focus,
.lead-form textarea:focus {
  outline: none;
  border-color: var(--blue);
  box-shadow: 0 0 0 4px rgba(23, 105, 224, 0.1);
}

.lead-form input.invalid,
.lead-form textarea.invalid,
.radio-grid fieldset.invalid {
  border-color: #c64040;
}

.radio-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 20px;
  margin: 23px 0;
}

.radio-grid fieldset {
  display: flex;
  flex-wrap: wrap;
  gap: 7px;
  padding: 14px;
  margin: 0;
  border: 1px solid #d2dce6;
  border-radius: 8px;
}

.radio-grid legend {
  width: 100%;
  padding: 0 3px;
  margin-bottom: 8px;
  color: #374a5e;
  font-size: 0.79rem;
  font-weight: 680;
}

.radio-grid label {
  position: relative;
}

.radio-grid input {
  position: absolute;
  width: 1px;
  height: 1px;
  opacity: 0;
}

.radio-grid label span {
  display: block;
  padding: 7px 11px;
  color: #5b6d80;
  background: #f3f6f9;
  border: 1px solid #e0e6ec;
  border-radius: 6px;
  font-size: 0.76rem;
  font-weight: 650;
  cursor: pointer;
}

.radio-grid input:checked + span {
  color: var(--blue);
  background: #e7f0ff;
  border-color: #aac9f2;
}

.radio-grid input:focus-visible + span {
  outline: 3px solid rgba(23, 105, 224, 0.35);
  outline-offset: 2px;
}

.form-submit {
  width: 100%;
  margin-top: 22px;
  border: 0;
}

.form-disclaimer {
  margin: 13px 0 0;
  color: #83909c;
  font-size: 0.73rem;
  text-align: center;
}

.form-message {
  display: none;
  margin-top: 15px;
  padding: 13px;
  color: var(--emerald-dark);
  background: #e9f8f1;
  border: 1px solid #bde4d0;
  border-radius: 7px;
  font-size: 0.83rem;
  font-weight: 650;
}

.form-message.show {
  display: block;
}

.faq-layout {
  grid-template-columns: 0.62fr 1.38fr;
}

.faq-list {
  border-top: 1px solid var(--line);
}

.faq-list details {
  border-bottom: 1px solid var(--line);
}

.faq-list summary {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 25px;
  padding: 23px 5px;
  color: var(--navy);
  font-size: 1.03rem;
  font-weight: 710;
  cursor: pointer;
  list-style: none;
}

.faq-list summary::-webkit-details-marker {
  display: none;
}

.faq-list summary span {
  display: grid;
  width: 28px;
  height: 28px;
  flex-shrink: 0;
  place-items: center;
  color: var(--blue);
  background: var(--light-blue);
  border-radius: 50%;
  font-size: 1.1rem;
  line-height: 1;
  transition: transform 0.2s ease;
}

.faq-list details[open] summary span {
  transform: rotate(45deg);
}

.faq-list details p {
  max-width: 740px;
  margin: -8px 48px 24px 5px;
}

.final-cta {
  position: relative;
  overflow: hidden;
  padding: 85px 0;
  color: var(--white);
  background: var(--navy);
  border-top: 1px solid #24405a;
}

.final-cta::after {
  position: absolute;
  right: -100px;
  bottom: -240px;
  width: 520px;
  height: 520px;
  background: rgba(23, 105, 224, 0.13);
  border-radius: 50%;
  content: "";
}

.final-cta-layout {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 1fr 0.82fr;
  gap: 75px;
  align-items: center;
}

.final-cta h2 {
  max-width: 700px;
  color: var(--white);
}

.final-cta p {
  margin-bottom: 0;
  color: #b9cada;
  font-size: 1.05rem;
}

.final-actions > small {
  width: 100%;
  margin-top: 8px;
  color: #879fb6;
}

.site-footer {
  padding: 50px 0 120px;
  background: #071625;
}

.footer-main {
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 45px;
  align-items: center;
  padding-bottom: 35px;
  border-bottom: 1px solid #1d3144;
}

.footer-brand .brand-copy {
  color: var(--white);
}

.footer-main > p {
  max-width: 520px;
  margin: 0;
  color: #8298ad;
  font-size: 0.87rem;
}

.footer-contact {
  display: flex;
  flex-direction: column;
  align-items: flex-end;
}

.footer-contact a {
  color: #b9cadb;
  font-size: 0.84rem;
}

.footer-contact a:hover {
  color: var(--white);
}

.footer-legal {
  display: grid;
  grid-template-columns: 1fr auto;
  gap: 40px;
  padding-top: 29px;
}

.footer-legal p {
  max-width: 830px;
  margin: 0;
  color: #62788c;
  font-size: 0.72rem;
  line-height: 1.55;
}

.mobile-cta {
  display: none;
}

@media (max-width: 1120px) {
  .primary-nav {
    gap: 14px;
  }

  .primary-nav > a:not(.nav-quote):not(.nav-quick) {
    display: none;
  }

  .hero-layout {
    grid-template-columns: 1.05fr 0.95fr;
    gap: 45px;
  }

  .hero h1 {
    font-size: clamp(2.7rem, 5.5vw, 4.4rem);
  }

  .split-layout,
  .coverage-layout,
  .example-layout,
  .about-layout,
  .faq-layout,
  .protection-layout,
  .lender-layout {
    gap: 55px;
  }

  .quick-layout {
    gap: 60px;
  }

  .quote-layout {
    gap: 50px;
  }
}

@media (max-width: 900px) {
  .section {
    padding: 86px 0;
  }

  .compact-top,
  .existing-section {
    padding-top: 0;
  }

  .hero-layout,
  .quick-layout,
  .coverage-layout,
  .example-layout,
  .about-layout,
  .protection-layout,
  .lender-layout,
  .quote-layout,
  .final-cta-layout {
    grid-template-columns: 1fr;
  }

  .hero-layout {
    padding-top: 75px;
  }

  .closing-desk {
    max-width: 620px;
  }

  .urgency-wrap {
    align-items: flex-start;
    padding-block: 20px;
  }

  .split-layout,
  .faq-layout {
    grid-template-columns: 1fr;
  }

  .sticky-copy,
  .quote-copy {
    position: static;
  }

  .value-grid,
  .speed-grid {
    grid-template-columns: 1fr;
  }

  .value-card {
    min-height: auto;
  }

  .timeline {
    grid-template-columns: repeat(2, 1fr);
  }

  .section-row,
  .assignment-header,
  .assignment-grid {
    grid-template-columns: 1fr;
    gap: 30px;
  }

  .section-row {
    align-items: start;
  }

  .coverage-visual {
    max-width: 680px;
  }

  .reverse-mobile > .term-panel {
    order: 2;
  }

  .existing-card {
    grid-template-columns: 1fr;
    gap: 20px;
  }

  .financing-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .lender-flow {
    max-width: 650px;
  }

  .portrait-card {
    max-width: 520px;
  }

  .portrait-photo {
    height: 380px;
  }

  .quote-copy {
    max-width: 650px;
  }

  .footer-main {
    grid-template-columns: 1fr;
    gap: 24px;
  }

  .footer-contact {
    align-items: flex-start;
  }
}

@media (max-width: 680px) {
  html {
    scroll-padding-top: 74px;
  }

  body {
    padding-bottom: 68px;
  }

  .container {
    width: min(calc(100% - 30px), var(--container));
  }

  .section {
    padding: 70px 0;
  }

  .compact-top,
  .existing-section {
    padding-top: 0;
  }

  h1 {
    font-size: clamp(2.55rem, 13vw, 3.6rem);
  }

  h2 {
    font-size: clamp(2rem, 10vw, 2.85rem);
  }

  .nav-wrap {
    min-height: 66px;
  }

  .brand-copy {
    font-size: 0.96rem;
  }

  .brand-mark {
    width: 34px;
    height: 34px;
  }

  .primary-nav {
    position: fixed;
    inset: 66px 0 auto;
    display: none;
    max-height: calc(100vh - 66px);
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    padding: 20px 15px 28px;
    overflow-y: auto;
    background: var(--white);
    border-bottom: 1px solid var(--line);
    box-shadow: 0 18px 30px rgba(11, 31, 51, 0.12);
  }

  .primary-nav.open {
    display: flex;
  }

  .primary-nav > a:not(.nav-quote):not(.nav-quick) {
    display: block;
    padding: 14px 10px;
    border-bottom: 1px solid #edf1f5;
  }

  .primary-nav .nav-quote,
  .primary-nav .nav-quick {
    margin-top: 10px;
  }

  .menu-toggle {
    display: block;
  }

  .menu-toggle.active > span:nth-child(1) {
    transform: translateY(6px) rotate(45deg);
  }

  .menu-toggle.active > span:nth-child(2) {
    opacity: 0;
  }

  .menu-toggle.active > span:nth-child(3) {
    transform: translateY(-6px) rotate(-45deg);
  }

  .hero-layout {
    gap: 50px;
    padding-top: 60px;
    padding-bottom: 70px;
  }

  .hero-grid {
    mask-image: linear-gradient(180deg, transparent, #000 75%);
  }

  .hero-lead {
    font-size: 1.06rem;
  }

  .trust-list {
    grid-template-columns: 1fr;
    gap: 9px;
  }

  .hero-actions,
  .lender-actions,
  .final-actions {
    display: grid;
    grid-template-columns: 1fr;
  }

  .button {
    width: 100%;
    min-height: 54px;
  }

  .closing-desk {
    padding: 19px;
    border-radius: 12px;
  }

  .desk-top {
    align-items: flex-start;
  }

  .desk-top h2 {
    font-size: 1.05rem;
  }

  .desk-status {
    padding: 6px 8px;
    font-size: 0.65rem;
  }

  .desk-steps li {
    grid-template-columns: 34px 1fr;
  }

  .desk-steps li > i,
  .desk-steps li > b {
    display: none;
  }

  .ready-bar {
    align-items: flex-start;
    flex-direction: column;
  }

  .urgency-wrap,
  .speed-bottom {
    align-items: stretch;
    flex-direction: column;
  }

  .urgency-wrap > div {
    justify-content: space-between;
    width: 100%;
  }

  .process-card-head {
    padding: 22px;
  }

  .large-checklist {
    padding: 8px 20px 14px;
  }

  .value-card {
    padding: 27px;
  }

  .quick-layout {
    gap: 42px;
  }

  .application-card {
    padding: 20px;
  }

  .timeline {
    grid-template-columns: 1fr;
  }

  .timeline li {
    display: grid;
    grid-template-columns: 44px 1fr;
    gap: 10px;
    min-height: auto;
    padding: 24px;
  }

  .timeline li > span {
    margin-bottom: 0;
  }

  .closing-result {
    width: 100%;
  }

  .speed-grid article {
    min-height: 220px;
  }

  .coverage-visual {
    padding: 25px 18px;
  }

  .coverage-ruler {
    font-size: 0.65rem;
  }

  .coverage-bars {
    height: 190px;
  }

  .assignment-flow {
    padding: 15px;
  }

  .assignment-flow > div {
    grid-template-columns: 40px 1fr;
    padding: 13px;
  }

  .assignment-flow em {
    display: none;
  }

  .calculator-card {
    padding: 22px;
  }

  .calc-row,
  .calc-result {
    align-items: flex-start;
    flex-direction: column;
    gap: 5px;
  }

  .allocation-bar {
    font-size: 0.66rem;
  }

  .existing-card {
    padding: 30px 24px;
  }

  .inline-checks,
  .financing-grid,
  .protection-grid {
    grid-template-columns: 1fr;
  }

  .financing-grid .wide-card,
  .protection-grid span:last-child {
    grid-column: span 1;
  }

  .lender-flow {
    grid-template-columns: 1fr;
  }

  .lender-flow > div,
  .lender-flow > div:nth-of-type(1),
  .lender-flow > div:nth-of-type(2),
  .lender-flow > div:nth-of-type(3),
  .lender-flow > div:nth-of-type(4),
  .lender-flow > i,
  .lender-flow > i:nth-of-type(1),
  .lender-flow > i:nth-of-type(2),
  .lender-flow > i:nth-of-type(3) {
    grid-column: 1;
    grid-row: auto;
  }

  .lender-flow > i,
  .lender-flow > i:nth-of-type(1),
  .lender-flow > i:nth-of-type(2),
  .lender-flow > i:nth-of-type(3) {
    justify-self: center;
    transform: rotate(90deg);
  }

  .portrait-photo {
    height: 350px;
  }

  .lead-form {
    padding: 25px 19px;
  }

  .form-mode,
  .form-grid,
  .radio-grid {
    grid-template-columns: 1fr;
  }

  .form-mode {
    gap: 3px;
  }

  .faq-list summary {
    padding: 20px 2px;
    font-size: 0.98rem;
  }

  .faq-list details p {
    margin-right: 34px;
  }

  .final-cta {
    padding: 70px 0;
  }

  .footer-main {
    align-items: flex-start;
  }

  .footer-legal {
    grid-template-columns: 1fr;
    gap: 14px;
  }

  .site-footer {
    padding-bottom: 45px;
  }

  .mobile-cta {
    position: fixed;
    inset: auto 0 0;
    z-index: 110;
    display: grid;
    grid-template-columns: 1fr 1fr;
    padding: 8px;
    background: rgba(255, 255, 255, 0.98);
    border-top: 1px solid var(--line);
    box-shadow: 0 -8px 24px rgba(11, 31, 51, 0.12);
    backdrop-filter: blur(12px);
  }

  .mobile-cta a {
    display: flex;
    min-height: 49px;
    align-items: center;
    justify-content: center;
    padding: 8px 10px;
    color: var(--white);
    background: var(--blue);
    border-radius: 7px;
    font-size: 0.78rem;
    font-weight: 780;
    text-align: center;
    text-transform: uppercase;
  }

  .mobile-cta a:last-child {
    color: var(--blue);
    background: var(--white);
  }
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
    animation-duration: 0.01ms !important;
    animation-iteration-count: 1 !important;
  }
}

.guides-section { background: var(--off-white); }
.guides-intro { max-width: 760px; }
.guide-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; margin-top: 42px; }
.guide-card { display: flex; min-height: 245px; flex-direction: column; padding: 28px; background: var(--white); border: 1px solid var(--line); border-radius: 14px; box-shadow: var(--shadow-sm); transition: transform .2s ease, box-shadow .2s ease; }
.guide-card:hover { transform: translateY(-4px); box-shadow: 0 18px 38px rgba(11,31,51,.12); }
.guide-card > span { color: var(--emerald-dark); font-size: .72rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.guide-card h3 { margin: 11px 0 10px; }
.guide-card p { margin-bottom: 20px; }
.guide-card b { margin-top: auto; color: var(--blue); font-size: .9rem; }

.seo-page { background: var(--off-white); }
.seo-page .site-header { background: var(--white); }
.article-hero { padding: 105px 0 72px; background: linear-gradient(135deg, var(--navy), var(--navy-2)); }
.article-hero .breadcrumb { margin-bottom: 25px; color: rgba(255,255,255,.75); font-size: .9rem; }
.article-hero .breadcrumb a { color: var(--white); }
.article-hero h1, .article-hero p { max-width: 830px; color: var(--white); }
.article-hero p { color: rgba(255,255,255,.78); font-size: 1.18rem; }
.article-content { display: grid; grid-template-columns: minmax(0, 760px) 270px; gap: 68px; padding: 80px 0 105px; }
.article-body { padding: clamp(24px, 4vw, 48px); background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); box-shadow: var(--shadow-sm); }
.article-body h2 { margin-top: 44px; font-size: clamp(1.65rem, 3vw, 2.35rem); }
.article-body h2:first-child { margin-top: 0; }
.article-body ul { padding-left: 22px; color: var(--muted); }
.article-body li { margin: 10px 0; }
.article-aside { align-self: start; position: sticky; top: 110px; padding: 27px; background: var(--navy); border-radius: var(--radius); }
.article-aside h2, .article-aside p { color: var(--white); }
.article-aside p { color: rgba(255,255,255,.74); }
.article-aside .button { width: 100%; margin-top: 8px; text-align: center; }
.article-aside .aside-link { display: block; margin-top: 14px; color: var(--white); font-weight: 700; text-align: center; }
.article-related { margin-top: 38px; padding-top: 28px; border-top: 1px solid var(--line); }
.article-related a { color: var(--blue); font-weight: 700; }

@media (max-width: 820px) {
  .guide-grid { grid-template-columns: 1fr 1fr; }
  .article-content { grid-template-columns: 1fr; gap: 25px; padding: 52px 0 76px; }
  .article-aside { position: static; }
}
@media (max-width: 560px) { .guide-grid { grid-template-columns: 1fr; } .article-hero { padding: 72px 0 52px; } }