/* ==========================================================================
   Clarke Capital LLC - Mortgage Website
   Brand: deep green / pale blue / white, navy + citrus accents.
   See README.md for font substitution notes.
   ========================================================================== */

/* --------------------------------------------------------------------------
   Fonts
   Brand fonts are Begum W03 Medium (headlines) and TT Commons (text).
   Until web-embedding licences are confirmed, these self-hosted OFL fonts
   stand in: Newsreader (headlines) and Figtree (text). To switch, replace
   the src lines below; every rule uses the "CC Serif" / "CC Sans" names.
   -------------------------------------------------------------------------- */
@font-face {
  font-family: "CC Serif";
  src: url("../assets/fonts/newsreader-display-500.woff2") format("woff2");
  font-weight: 500;
  font-style: normal;
  font-display: swap;
}

@font-face {
  font-family: "CC Sans";
  src: url("../assets/fonts/figtree-latin-var.woff2") format("woff2");
  font-weight: 400 700;
  font-style: normal;
  font-display: swap;
}

/* --------------------------------------------------------------------------
   CSS Custom Properties
   (calculator.css depends on the --color-*, --space-*, --radius names)
   -------------------------------------------------------------------------- */
:root {
  /* Brand core */
  --green: #19322F;
  --blue: #A5C5ED;
  --white: #FFFFFF;
  /* Brand secondary (sparingly) */
  --navy: #081F3F;
  --citrus: #D1E38F;

  /* Primary: deep green */
  --color-forest: var(--green);
  --color-forest-dark: #10221F;
  --color-forest-light: #2A4743;

  /* Accent: pale blue */
  --color-blue: var(--blue);
  --color-blue-light: #CADDF5;
  --color-blue-pale: #EDF3FB;

  /* Neutrals */
  --color-white: var(--white);
  --color-off-white: #F7F9FA;
  --color-gray-100: #F0F3F3;
  --color-gray-200: #DCE3E2;
  --color-gray-400: #8D9997;
  --color-gray-500: #5B6967;
  --color-gray-600: #4A5856;
  --color-gray-700: #36433F;
  --color-gray-900: #142320;

  --text: var(--green);
  --text-muted: #4A5856;
  --focus: #1B5FBF;

  /* Typography */
  --font-serif: "CC Serif", Georgia, "Times New Roman", serif;
  --font-sans: "CC Sans", system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  --font-size-base: 1.0625rem;
  --line-height-base: 1.6;
  --line-height-tight: 1.15;

  /* Spacing */
  --space-xs: 0.5rem;
  --space-sm: 1rem;
  --space-md: 1.5rem;
  --space-lg: 2rem;
  --space-xl: 3rem;
  --space-2xl: 4.5rem;
  --section-pad: clamp(3.5rem, 8vw, 6.5rem);

  /* Layout */
  --max-width: 1160px;
  --max-width-wide: 1160px;
  --max-width-text: 42rem;
  --gutter: clamp(1.125rem, 4vw, 2rem);
  --header-height: 64px;

  /* Borders & radius */
  --radius: 6px;
  --radius-lg: 14px;
  --shadow: 0 1px 2px rgba(16, 34, 31, 0.06), 0 8px 24px rgba(16, 34, 31, 0.07);
}

@media (min-width: 1040px) {
  :root {
    --header-height: 76px;
  }
}

/* --------------------------------------------------------------------------
   Reset & Base
   -------------------------------------------------------------------------- */
*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  -webkit-text-size-adjust: 100%;
  scroll-padding-top: calc(var(--header-height) + 1rem);
}

@media (prefers-reduced-motion: no-preference) {
  html {
    scroll-behavior: smooth;
  }
}

body {
  margin: 0;
  font-family: var(--font-sans);
  font-size: var(--font-size-base);
  line-height: var(--line-height-base);
  color: var(--text);
  background: var(--white);
  -webkit-font-smoothing: antialiased;
}

img,
svg {
  display: block;
  max-width: 100%;
  height: auto;
}

h1,
h2,
h3,
h4 {
  margin: 0 0 0.6em;
  line-height: var(--line-height-tight);
  font-weight: 500;
  text-wrap: balance;
}

h1,
h2,
.serif {
  font-family: var(--font-serif);
  letter-spacing: -0.01em;
}

h1 {
  font-size: clamp(2.5rem, 7vw, 4.5rem);
}

h2 {
  font-size: clamp(1.9rem, 4.2vw, 2.85rem);
}

h3 {
  font-family: var(--font-sans);
  font-size: 1.25rem;
  font-weight: 650;
  line-height: 1.3;
}

p {
  margin: 0 0 1em;
}

ul,
ol {
  margin: 0 0 1em;
  padding-left: 1.25em;
}

li + li {
  margin-top: 0.4em;
}

a {
  color: var(--green);
  text-decoration-thickness: 1px;
  text-underline-offset: 0.18em;
}

a:hover {
  text-decoration-thickness: 2px;
}

:focus-visible {
  outline: 3px solid var(--focus);
  outline-offset: 3px;
  border-radius: 2px;
}

.on-dark :focus-visible,
.on-dark:focus-visible {
  outline-color: var(--citrus);
}

strong {
  font-weight: 650;
}

.visually-hidden {
  position: absolute !important;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  white-space: nowrap;
  border: 0;
}

.skip-link {
  position: absolute;
  left: 1rem;
  top: -100px;
  z-index: 100;
  padding: 0.75rem 1rem;
  background: var(--green);
  color: var(--white);
  font-weight: 600;
  border-radius: var(--radius);
}

.skip-link:focus {
  top: 1rem;
}

.container {
  width: 100%;
  max-width: calc(var(--max-width) + var(--gutter) * 2);
  margin: 0 auto;
  padding: 0 var(--gutter);
}

.container--narrow {
  max-width: calc(46rem + var(--gutter) * 2);
}

.text-center {
  text-align: center;
}

/* --------------------------------------------------------------------------
   Buttons
   -------------------------------------------------------------------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.5em;
  min-height: 48px;
  padding: 0.75rem 1.4rem;
  border: 2px solid transparent;
  border-radius: 999px;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 650;
  line-height: 1.2;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
  transition: background-color 0.15s ease, color 0.15s ease, border-color 0.15s ease;
}

.btn:hover {
  text-decoration: none;
}

.btn--primary {
  background: var(--green);
  color: var(--white);
}

.btn--primary:hover {
  background: var(--color-forest-light);
}

.btn--secondary {
  background: transparent;
  color: var(--green);
  border-color: var(--green);
}

.btn--secondary:hover {
  background: var(--color-blue-pale);
}

/* Pale blue on dark fields */
.btn--light {
  background: var(--blue);
  color: var(--green);
}

.btn--light:hover {
  background: var(--color-blue-light);
}

.btn--outline-light {
  background: transparent;
  color: var(--white);
  border-color: rgba(255, 255, 255, 0.7);
}

.btn--outline-light:hover {
  background: rgba(255, 255, 255, 0.1);
  border-color: var(--white);
}

.btn--sm {
  min-height: 44px;
  padding: 0.55rem 1.1rem;
  font-size: 0.95rem;
}

.btn-row {
  display: flex;
  flex-wrap: wrap;
  gap: 0.75rem;
  margin-top: var(--space-md);
}

.link-arrow {
  display: inline-flex;
  align-items: center;
  gap: 0.35em;
  font-weight: 650;
  text-decoration: none;
}

.link-arrow::after {
  content: "\2192";
  transition: transform 0.15s ease;
}

.link-arrow:hover {
  text-decoration: underline;
}

@media (prefers-reduced-motion: no-preference) {
  .link-arrow:hover::after {
    transform: translateX(3px);
  }
}

.ext-icon {
  display: inline-block;
  width: 0.85em;
  height: 0.85em;
  flex: none;
}

/* --------------------------------------------------------------------------
   Header & navigation
   -------------------------------------------------------------------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: var(--white);
  border-bottom: 1px solid var(--color-gray-200);
}

.site-header__inner {
  display: flex;
  align-items: center;
  gap: 0.5rem;
  height: var(--header-height);
}

.site-logo {
  display: block;
  flex: none;
  margin-right: auto;
  padding: 6px 0;
}

.site-logo img {
  width: 168px;
  height: auto;
}

.header-call {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 0.45rem;
  min-width: 44px;
  min-height: 44px;
  color: var(--green);
  font-weight: 650;
  text-decoration: none;
  border-radius: 999px;
}

.header-call svg {
  width: 20px;
  height: 20px;
}

.header-call__number {
  display: none;
}

.nav-toggle {
  display: inline-flex;
  align-items: center;
  gap: 0.5rem;
  min-height: 44px;
  padding: 0 0.85rem;
  border: 1.5px solid var(--color-gray-200);
  border-radius: 999px;
  background: var(--white);
  color: var(--green);
  font: inherit;
  font-size: 0.95rem;
  font-weight: 650;
  cursor: pointer;
}

.nav-toggle__icon {
  position: relative;
  width: 16px;
  height: 2px;
  background: currentColor;
  border-radius: 2px;
}

.nav-toggle__icon::before,
.nav-toggle__icon::after {
  content: "";
  position: absolute;
  left: 0;
  width: 16px;
  height: 2px;
  background: currentColor;
  border-radius: 2px;
}

.nav-toggle__icon::before {
  top: -5px;
}

.nav-toggle__icon::after {
  top: 5px;
}

.nav-toggle[aria-expanded="true"] .nav-toggle__icon {
  background: transparent;
}

.nav-toggle[aria-expanded="true"] .nav-toggle__icon::before {
  top: 0;
  transform: rotate(45deg);
}

.nav-toggle[aria-expanded="true"] .nav-toggle__icon::after {
  top: 0;
  transform: rotate(-45deg);
}

/* Mobile nav panel */
.site-nav {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  right: 0;
  max-height: calc(100vh - var(--header-height));
  max-height: calc(100dvh - var(--header-height));
  overflow-y: auto;
  padding: 0.5rem var(--gutter) 1.5rem;
  background: var(--white);
  border-bottom: 1px solid var(--color-gray-200);
  box-shadow: 0 16px 24px rgba(16, 34, 31, 0.08);
}

.site-header.is-menu-open .site-nav {
  display: block;
}

.site-nav__list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.site-nav__list > li {
  margin: 0;
  border-bottom: 1px solid var(--color-gray-100);
}

.site-nav__link,
.site-nav__trigger {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  min-height: 52px;
  padding: 0.5rem 0;
  border: 0;
  background: none;
  color: var(--green);
  font: inherit;
  font-size: 1.05rem;
  font-weight: 600;
  text-align: left;
  text-decoration: none;
  cursor: pointer;
}

.site-nav__link[aria-current="page"],
.site-nav__trigger.is-current {
  text-decoration: underline;
  text-decoration-thickness: 2px;
  text-underline-offset: 0.35em;
}

.site-nav__trigger::after {
  content: "";
  width: 8px;
  height: 8px;
  margin: 0 4px 4px 8px;
  border-right: 2px solid currentColor;
  border-bottom: 2px solid currentColor;
  transform: rotate(45deg);
  transition: transform 0.15s ease;
}

.site-nav__trigger[aria-expanded="true"]::after {
  transform: translateY(4px) rotate(-135deg);
}

@media (prefers-reduced-motion: reduce) {
  *,
  *::before,
  *::after {
    transition: none !important;
  }
}

.site-nav__submenu {
  display: none;
  list-style: none;
  margin: 0;
  padding: 0 0 0.75rem 0.75rem;
}

.site-nav__trigger[aria-expanded="true"] + .site-nav__submenu {
  display: block;
}

.site-nav__submenu li {
  margin: 0;
}

.site-nav__submenu a {
  display: block;
  padding: 0.6rem 0.25rem;
  color: var(--text-muted);
  font-weight: 500;
  text-decoration: none;
}

.site-nav__submenu a:hover,
.site-nav__submenu a[aria-current="page"] {
  color: var(--green);
  text-decoration: underline;
}

.site-nav__submenu .site-nav__overview {
  color: var(--green);
  font-weight: 650;
}

.site-nav__apply {
  margin-top: 1.25rem;
}

.site-nav__apply .btn {
  width: 100%;
}

.header-apply {
  display: none;
}

@media (min-width: 560px) {
  .header-call__number {
    display: inline;
  }

  .header-call {
    padding: 0 0.5rem;
  }
}

@media (min-width: 1040px) {
  .site-logo img {
    width: 208px;
  }

  .site-header__inner {
    gap: 1.25rem;
  }

  .nav-toggle {
    display: none;
  }

  .site-nav {
    display: block;
    position: static;
    order: 0;
    max-height: none;
    overflow: visible;
    padding: 0;
    border: 0;
    box-shadow: none;
    background: none;
  }

  .site-nav__list {
    display: flex;
    align-items: center;
    gap: 0.25rem;
  }

  .site-nav__list > li {
    position: relative;
    border: 0;
  }

  .site-nav__link,
  .site-nav__trigger {
    width: auto;
    min-height: 44px;
    padding: 0.5rem 0.7rem;
    font-size: 0.98rem;
    border-radius: var(--radius);
  }

  .site-nav__link:hover,
  .site-nav__trigger:hover {
    background: var(--color-blue-pale);
  }

  .site-nav__submenu {
    position: absolute;
    top: calc(100% + 6px);
    left: 0;
    min-width: 270px;
    padding: 0.5rem;
    background: var(--white);
    border: 1px solid var(--color-gray-200);
    border-radius: 10px;
    box-shadow: var(--shadow);
  }

  .site-nav__submenu a {
    padding: 0.55rem 0.75rem;
    border-radius: var(--radius);
  }

  .site-nav__submenu a:hover {
    background: var(--color-blue-pale);
    text-decoration: none;
  }

  .site-nav__submenu .site-nav__overview {
    margin-bottom: 0.25rem;
    border-bottom: 1px solid var(--color-gray-100);
    border-radius: var(--radius) var(--radius) 0 0;
  }

  .site-nav__apply {
    display: none;
  }

  .header-call {
    order: 1;
  }

  .header-apply {
    display: inline-flex;
    order: 2;
  }
}

@media (min-width: 1040px) and (max-width: 1199px) {
  .header-call__number {
    display: none;
  }
}

/* --------------------------------------------------------------------------
   Shared section patterns
   -------------------------------------------------------------------------- */
.section {
  padding: var(--section-pad) 0;
}

.section--tint {
  background: var(--color-blue-pale);
}

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

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

.section--green a:not(.btn),
.section--navy a:not(.btn) {
  color: var(--white);
}

.section--tight {
  padding: clamp(2.5rem, 5vw, 3.5rem) 0;
}

.section-head {
  max-width: var(--max-width-text);
  margin-bottom: clamp(2rem, 4vw, 3rem);
}

.section-head--center {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.section-head p:last-child {
  margin-bottom: 0;
}

.eyebrow {
  display: block;
  margin-bottom: 0.9rem;
  font-family: var(--font-sans);
  font-size: 0.82rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--text-muted);
}

.section--green .eyebrow,
.hero .eyebrow {
  color: var(--blue);
}

.section--navy .eyebrow {
  color: var(--citrus);
}

.lede {
  font-size: clamp(1.1rem, 1.6vw, 1.25rem);
  line-height: 1.55;
  color: var(--text-muted);
}

.section--green .lede,
.section--navy .lede {
  color: rgba(255, 255, 255, 0.86);
}

.muted {
  color: var(--text-muted);
}

.small {
  font-size: 0.92rem;
}

.prose {
  max-width: var(--max-width-text);
}

.prose h2 {
  margin-top: 1.6em;
  font-size: clamp(1.6rem, 3vw, 2.1rem);
}

.prose h2:first-child {
  margin-top: 0;
}

.prose h3 {
  margin-top: 1.6em;
}

/* Grids */
.grid {
  display: grid;
  gap: clamp(1rem, 2.5vw, 1.5rem);
}

@media (min-width: 640px) {
  .grid--2 {
    grid-template-columns: repeat(2, 1fr);
  }
}

@media (min-width: 900px) {
  .grid--3 {
    grid-template-columns: repeat(3, 1fr);
  }

  .grid--4 {
    grid-template-columns: repeat(4, 1fr);
  }
}

@media (min-width: 640px) and (max-width: 899px) {
  .grid--3,
  .grid--4 {
    grid-template-columns: repeat(2, 1fr);
  }
}

/* Cards */
.card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: clamp(1.4rem, 3vw, 1.85rem);
  background: var(--white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
}

.card h3 {
  margin-bottom: 0.5rem;
}

.card p {
  color: var(--text-muted);
}

.card > :last-child {
  margin-bottom: 0;
}

.card .link-arrow {
  margin-top: auto;
}

/* Whole card clickable via its heading link */
.card--link h3 a {
  text-decoration: none;
}

.card--link h3 a::after {
  content: "";
  position: absolute;
  inset: 0;
  border-radius: inherit;
}

.card--link:hover {
  border-color: var(--green);
}

.card--link:focus-within {
  outline: 3px solid var(--focus);
  outline-offset: 2px;
}

.card--link h3 a:focus-visible {
  outline: none;
}

.card__more {
  margin-top: auto;
  padding-top: 0.75rem;
  font-weight: 650;
}

.card__more::after {
  content: " \2192";
}

/* --------------------------------------------------------------------------
   Home hero
   -------------------------------------------------------------------------- */
.hero {
  background: var(--green);
  color: var(--white);
  overflow: hidden;
}

.hero__grid {
  display: grid;
  gap: 2rem;
  padding-top: clamp(2.5rem, 7vw, 5.5rem);
}

.hero__copy {
  padding-bottom: 0.5rem;
}

.hero h1 {
  margin-bottom: 1.25rem;
  color: var(--white);
}

.hero__support {
  max-width: 34rem;
  font-size: clamp(1.1rem, 1.8vw, 1.3rem);
  line-height: 1.55;
  color: rgba(255, 255, 255, 0.88);
}

.hero__contact {
  margin: 1.5rem 0 0;
  font-size: 0.98rem;
  color: rgba(255, 255, 255, 0.8);
}

.hero__contact a {
  color: var(--white);
  font-weight: 650;
}

.hero__media {
  position: relative;
  justify-self: center;
  width: min(100%, 360px);
}

.hero__media img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: center 20%;
  border-radius: 200px 200px 0 0;
}

.hero__caption {
  position: absolute;
  left: 50%;
  bottom: 1.25rem;
  transform: translateX(-50%);
  white-space: nowrap;
  padding: 0.5rem 1rem;
  background: var(--white);
  color: var(--green);
  border-radius: 999px;
  font-size: 0.9rem;
  line-height: 1.3;
  box-shadow: var(--shadow);
}

.hero__caption strong {
  font-weight: 700;
}

@media (max-width: 559px) {
  .hero__media {
    width: min(100%, 300px);
  }

  .hero__media img {
    aspect-ratio: 1 / 1;
    object-position: center 15%;
  }
}

@media (min-width: 880px) {
  .hero__grid {
    grid-template-columns: 1.15fr 0.85fr;
    align-items: end;
    gap: 3rem;
  }

  .hero__copy {
    align-self: center;
    padding-bottom: clamp(3rem, 6vw, 5rem);
  }

  .hero__media {
    width: 100%;
    max-width: 420px;
    justify-self: end;
  }
}

/* Proof strip */
.proof {
  background: var(--color-forest-dark);
  color: var(--white);
}

.proof__list {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 1.25rem 1rem;
  margin: 0;
  padding: 1.75rem 0;
  list-style: none;
}

.proof__list li {
  margin: 0;
}

.proof__value {
  display: block;
  font-family: var(--font-serif);
  font-size: clamp(1.6rem, 3.2vw, 2.1rem);
  line-height: 1.1;
  color: var(--citrus);
}

.proof__label {
  display: block;
  margin-top: 0.25rem;
  font-size: 0.92rem;
  color: rgba(255, 255, 255, 0.85);
}

.proof__note {
  margin: 0;
  padding: 0 0 1.25rem;
  font-size: 0.82rem;
  color: rgba(255, 255, 255, 0.7);
}

@media (min-width: 760px) {
  .proof__list {
    grid-template-columns: repeat(4, 1fr);
  }
}

/* Borrower paths */
.path-card {
  min-height: 100%;
}

.path-card__icon {
  display: flex;
  width: 44px;
  height: 44px;
  margin-bottom: 1.1rem;
  padding: 10px;
  background: var(--color-blue-pale);
  color: var(--green);
  border-radius: 12px;
}

/* Why / numbered series */
.steps {
  counter-reset: step;
  display: grid;
  gap: 1.75rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.steps > li {
  position: relative;
  margin: 0;
  padding-top: 3.6rem;
}

.steps > li::before {
  counter-increment: step;
  content: "0" counter(step);
  position: absolute;
  top: 0;
  left: 0;
  font-family: var(--font-serif);
  font-size: 2.75rem;
  line-height: 1;
  color: var(--blue);
}

.section--green .steps > li::before {
  color: var(--citrus);
}

.steps h3 {
  margin-bottom: 0.5rem;
}

.steps p {
  margin: 0;
  color: var(--text-muted);
}

.section--green .steps p {
  color: rgba(255, 255, 255, 0.85);
}

@media (min-width: 900px) {
  .steps {
    grid-template-columns: repeat(3, 1fr);
    gap: 2.5rem;
  }
}

/* Split layout (Meet Curtis, etc.) */
.split {
  display: grid;
  gap: clamp(2rem, 5vw, 4rem);
  align-items: center;
}

.split__media img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: var(--radius-lg);
}

@media (min-width: 820px) {
  .split {
    grid-template-columns: 0.8fr 1.2fr;
  }

  .split--reverse {
    grid-template-columns: 1.2fr 0.8fr;
  }

  .split--reverse .split__media {
    order: 2;
  }
}

.split__media {
  max-width: 440px;
}

.fact-list {
  display: grid;
  gap: 0.6rem;
  margin: 1.5rem 0;
  padding: 0;
  list-style: none;
}

.fact-list li {
  position: relative;
  margin: 0;
  padding-left: 1.6rem;
}

.fact-list li::before {
  content: "";
  position: absolute;
  left: 0.15rem;
  top: 0.45em;
  width: 0.7rem;
  height: 0.4rem;
  border-left: 2px solid var(--green);
  border-bottom: 2px solid var(--green);
  transform: rotate(-45deg);
}

.section--green .fact-list li::before,
.section--navy .fact-list li::before {
  border-color: var(--citrus);
}

/* Loan types (navy family) */
.loan-type {
  display: flex;
  flex-direction: column;
  position: relative;
  padding: 1.6rem 1.5rem;
  border: 1px solid rgba(255, 255, 255, 0.16);
  border-radius: var(--radius-lg);
  background: rgba(255, 255, 255, 0.03);
}

.loan-type:hover {
  border-color: var(--citrus);
}

.loan-type:focus-within {
  outline: 3px solid var(--citrus);
  outline-offset: 2px;
}

.loan-type__tag {
  margin-bottom: 0.75rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
}

.loan-type h3 {
  margin-bottom: 0.6rem;
  font-family: var(--font-serif);
  font-size: 1.65rem;
  font-weight: 500;
  color: var(--citrus);
}

.loan-type h3 a {
  color: inherit;
  text-decoration: none;
}

.loan-type h3 a::after {
  content: "";
  position: absolute;
  inset: 0;
}

.loan-type h3 a:focus-visible {
  outline: none;
}

.loan-type p {
  color: rgba(255, 255, 255, 0.86);
}

.loan-type p:last-child {
  margin-bottom: 0;
}

.loan-type__more {
  margin-top: auto;
  font-weight: 650;
  color: var(--white);
}

.loan-type__more::after {
  content: " \2192";
}

@media (min-width: 640px) and (max-width: 899px) {
  .loan-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .loan-grid > :last-child {
    grid-column: 1 / -1;
  }
}

@media (min-width: 900px) {
  .loan-grid {
    grid-template-columns: repeat(6, 1fr);
  }

  .loan-grid > :nth-child(-n+3) {
    grid-column: span 2;
  }

  .loan-grid > :nth-child(n+4) {
    grid-column: span 3;
  }
}

/* Regions */
.region {
  position: relative;
  overflow: hidden;
  padding: clamp(1.75rem, 4vw, 2.75rem);
  border-radius: var(--radius-lg);
}

.region--phx {
  background: var(--green);
  color: var(--white);
}

.region--sgv {
  background: var(--blue);
  color: var(--green);
}

.region__code::before {
  content: attr(data-code);
}

.region__code {
  position: absolute;
  right: -0.25rem;
  bottom: -1.5rem;
  font-family: var(--font-serif);
  font-size: clamp(6rem, 14vw, 9rem);
  line-height: 1;
  opacity: 0.12;
  pointer-events: none;
  user-select: none;
}

.region h3 {
  font-family: var(--font-serif);
  font-size: clamp(1.7rem, 3vw, 2.1rem);
  font-weight: 500;
}

.region h3,
.region p {
  position: relative;
  max-width: 30rem;
}

.region--phx p {
  color: rgba(255, 255, 255, 0.88);
}

.region__places {
  font-size: 0.95rem;
  font-weight: 600;
}

.region--phx .region__places {
  color: var(--blue);
}

/* FAQ */
.faq {
  max-width: 50rem;
  border-top: 1px solid var(--color-gray-200);
}

.faq details {
  border-bottom: 1px solid var(--color-gray-200);
}

.faq summary {
  position: relative;
  display: block;
  padding: 1.25rem 2.5rem 1.25rem 0;
  font-size: 1.12rem;
  font-weight: 650;
  cursor: pointer;
  list-style: none;
}

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

.faq summary::after {
  content: "+";
  position: absolute;
  right: 0.25rem;
  top: 50%;
  transform: translateY(-50%);
  font-size: 1.6rem;
  font-weight: 400;
  line-height: 1;
}

.faq details[open] summary::after {
  content: "\2212";
}

.faq__answer {
  padding: 0 0 1.25rem;
  color: var(--text-muted);
}

.faq__answer > :last-child {
  margin-bottom: 0;
}

/* Final CTA */
.cta-band {
  display: grid;
  overflow: hidden;
  background: var(--green);
  color: var(--white);
  border-radius: var(--radius-lg);
}

.cta-band__copy {
  padding: clamp(2rem, 5vw, 3.5rem);
}

.cta-band h2 {
  color: var(--white);
}

.cta-band p {
  max-width: 34rem;
  color: rgba(255, 255, 255, 0.86);
}

.cta-band__contact {
  margin-top: 1.25rem;
  font-size: 0.98rem;
}

.cta-band__contact a {
  color: var(--white);
  font-weight: 650;
}

.cta-band__media img {
  width: 100%;
  height: 100%;
  min-height: 220px;
  max-height: 280px;
  object-fit: cover;
}

@media (min-width: 860px) {
  .cta-band {
    grid-template-columns: 1.3fr 0.7fr;
  }

  .cta-band__media img {
    max-height: none;
  }
}

/* --------------------------------------------------------------------------
   Inner pages
   -------------------------------------------------------------------------- */
.page-hero {
  padding: clamp(2.5rem, 6vw, 4.5rem) 0 clamp(2.5rem, 5vw, 3.75rem);
  background: var(--color-blue-pale);
}

.page-hero h1 {
  max-width: 46rem;
  font-size: clamp(2.3rem, 5.5vw, 3.6rem);
}

.page-hero .lede {
  max-width: 40rem;
  margin-bottom: 0;
}

.page-hero--green {
  background: var(--green);
  color: var(--white);
}

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

.page-hero--green .eyebrow {
  color: var(--blue);
}

.page-hero--green .lede {
  color: rgba(255, 255, 255, 0.88);
}

.breadcrumb {
  margin: 0 0 1.25rem;
  padding: 0;
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 0.35rem;
  font-size: 0.9rem;
  color: var(--text-muted);
}

.breadcrumb li {
  margin: 0;
}

.breadcrumb li + li::before {
  content: "/";
  margin-right: 0.35rem;
  color: var(--color-gray-400);
}

.breadcrumb a {
  color: var(--text-muted);
}

.on-dark .breadcrumb,
.on-dark .breadcrumb a {
  color: rgba(255, 255, 255, 0.85);
}

.on-dark .breadcrumb li + li::before {
  color: var(--blue);
}

.content-layout {
  display: grid;
  gap: clamp(2rem, 5vw, 4rem);
}

/* Generic "talk it through" asides repeat the page's closing CTA band on small screens */
@media (max-width: 959px) {
  .content-layout__aside--cta {
    display: none;
  }
}

@media (min-width: 960px) {
  .content-layout {
    grid-template-columns: minmax(0, 1fr) 340px;
    align-items: start;
  }

  .content-layout__aside {
    position: sticky;
    top: calc(var(--header-height) + 1.5rem);
  }
}

.aside-card {
  padding: 1.6rem;
  background: var(--color-blue-pale);
  border-radius: var(--radius-lg);
}

.aside-card h2 {
  font-family: var(--font-sans);
  font-size: 1.15rem;
  font-weight: 700;
  letter-spacing: 0;
}

.aside-card p {
  color: var(--text-muted);
}

.aside-card .btn {
  width: 100%;
}

.aside-card .btn + .btn {
  margin-top: 0.6rem;
}

.aside-card__contact {
  margin: 1rem 0 0;
  font-size: 0.95rem;
}

.note {
  margin: 1.75rem 0;
  padding: 1.2rem 1.35rem;
  background: var(--white);
  border: 1px solid var(--color-gray-200);
  border-left: 4px solid var(--blue);
  border-radius: var(--radius);
}

.note h2,
.note h3 {
  margin: 0 0 0.4rem;
  font-family: var(--font-sans);
  font-size: 1rem;
  font-weight: 700;
  letter-spacing: 0;
}

.note p,
.note ul {
  color: var(--text-muted);
}

.note > :last-child {
  margin-bottom: 0;
}

.related {
  margin-top: 2.5rem;
  padding-top: 2rem;
  border-top: 1px solid var(--color-gray-200);
}

.related h2 {
  font-family: var(--font-sans);
  font-size: 1.1rem;
  font-weight: 700;
  letter-spacing: 0;
}

.related ul {
  display: flex;
  flex-wrap: wrap;
  gap: 0.5rem;
  margin: 0;
  padding: 0;
  list-style: none;
}

.related li {
  margin: 0;
}

.related a {
  display: inline-block;
  padding: 0.5rem 0.95rem;
  border: 1px solid var(--color-gray-200);
  border-radius: 999px;
  font-weight: 600;
  text-decoration: none;
}

.related a:hover {
  border-color: var(--green);
  background: var(--color-blue-pale);
}

/* Contact */
.contact-methods {
  display: grid;
  gap: 1rem;
  margin: 0 0 2.5rem;
  padding: 0;
  list-style: none;
}

.contact-methods li {
  margin: 0;
}

.contact-method {
  display: flex;
  align-items: center;
  gap: 1rem;
  padding: 1.25rem 1.4rem;
  background: var(--white);
  border: 1px solid var(--color-gray-200);
  border-radius: var(--radius-lg);
  text-decoration: none;
}

.contact-method:hover {
  border-color: var(--green);
}

.contact-method svg {
  flex: none;
  width: 44px;
  height: 44px;
  padding: 11px;
  background: var(--color-blue-pale);
  border-radius: 50%;
}

.contact-method__label {
  display: block;
  font-size: 0.85rem;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--text-muted);
}

.contact-method__value {
  display: block;
  font-size: 1.2rem;
  font-weight: 650;
  color: var(--green);
  overflow-wrap: anywhere;
}

/* Resources */
.resource-card .card__tag {
  margin-bottom: 0.6rem;
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--text-muted);
}

/* Legal / disclosure pages */
.disclosure-content {
  max-width: var(--max-width-text);
}

.disclosure-content h2 {
  margin-top: 1.75em;
  font-family: var(--font-sans);
  font-size: 1.3rem;
  font-weight: 700;
  letter-spacing: 0;
}

.disclosure-content h2:first-child {
  margin-top: 0;
}

/* Calculator page frame (calculator.css styles the tool itself) */
.section--calc {
  padding: clamp(2rem, 5vw, 3.5rem) 0 var(--section-pad);
  background: var(--color-off-white);
}

.calc-note {
  max-width: 50rem;
  margin: 2rem auto 0;
  font-size: 0.92rem;
  color: var(--text-muted);
}

/* --------------------------------------------------------------------------
   Footer
   -------------------------------------------------------------------------- */
.site-footer {
  padding: clamp(3rem, 6vw, 4.5rem) 0 2rem;
  background: var(--color-forest-dark);
  color: rgba(255, 255, 255, 0.86);
  font-size: 0.95rem;
}

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

.site-footer__top {
  display: grid;
  gap: 2.25rem;
  padding-bottom: 2.25rem;
  border-bottom: 1px solid rgba(255, 255, 255, 0.14);
}

.site-footer__brand img {
  width: 200px;
  margin-bottom: 1rem;
}

.site-footer__brand p {
  max-width: 22rem;
}

.site-footer__contact {
  margin: 1rem 0 0;
  padding: 0;
  list-style: none;
}

.site-footer__contact li {
  margin: 0.35rem 0 0;
}

.site-footer__contact a {
  font-weight: 650;
  text-decoration: none;
}

.site-footer__contact a:hover {
  text-decoration: underline;
}

.site-footer h2 {
  margin-bottom: 0.9rem;
  font-family: var(--font-sans);
  font-size: 0.8rem;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--blue);
}

.site-footer__links {
  margin: 0;
  padding: 0;
  list-style: none;
}

.site-footer__links li {
  margin: 0;
}

.site-footer__links a {
  display: inline-block;
  padding: 0.3rem 0;
  color: rgba(255, 255, 255, 0.9);
  text-decoration: none;
}

.site-footer__links a:hover {
  color: var(--white);
  text-decoration: underline;
}

.site-footer__legal {
  display: grid;
  gap: 1.25rem;
  padding-top: 2rem;
  font-size: 0.86rem;
  color: rgba(255, 255, 255, 0.78);
}

.site-footer__legal p {
  margin: 0 0 0.5rem;
}

.site-footer__eho {
  display: flex;
  align-items: center;
  gap: 0.75rem;
}

.site-footer__eho img {
  width: 44px;
  height: 44px;
  padding: 4px;
  background: var(--white);
  border-radius: 4px;
}

@media (min-width: 640px) {
  .site-footer__top {
    grid-template-columns: repeat(3, 1fr);
  }

  .site-footer__brand {
    grid-column: 1 / -1;
  }
}

@media (min-width: 1024px) {
  .site-footer__top {
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
  }

  .site-footer__brand {
    grid-column: auto;
  }
}

@media (min-width: 720px) {

  .site-footer__legal {
    grid-template-columns: 1fr auto;
    align-items: start;
  }
}