/* 800801loan.com - Alameda Mortgage Corp. Colors come from config.php via :root in header.php. */
@font-face{font-family:Archivo;font-style:normal;font-display:swap;font-weight:100 900;font-stretch:62% 125%;src:url(fonts/archivo-wdth.woff2) format("woff2-variations"),url(fonts/archivo-wdth.woff2) format("woff2");unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
*,*::before,*::after{box-sizing:border-box}
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;background:var(--bg);color:var(--ink);font:400 17px/1.6 Archivo,"Segoe UI",Roboto,Arial,sans-serif;font-variation-settings:"wdth" 100}
img{max-width:100%;height:auto;display:block}
a{color:var(--pri-ink);text-underline-offset:.18em}
a:hover{color:var(--ink)}
:focus-visible{outline:3px solid var(--or);outline-offset:2px}
h1,h2,h3{color:var(--ink);margin:0 0 .5em;font-weight:720;font-stretch:112%;letter-spacing:-.012em;line-height:1.1}
h1{font-size:clamp(2.2rem,4.6vw,3.5rem);font-weight:760;font-stretch:116%;line-height:1.03;letter-spacing:-.02em}
h2{font-size:clamp(1.55rem,2.8vw,2.25rem)}
h3{font-size:1.12rem;font-stretch:104%;font-weight:680;line-height:1.25}
p{margin:0 0 1em;max-width:68ch}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.narrow{max-width:820px}
.num{font-variant-numeric:tabular-nums}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:8px;z-index:99;background:#fff;padding:8px 12px}
.stagebar{background:var(--ink);color:#fff;font-size:.82rem;text-align:center;padding:6px 12px}.stagebar a{color:#ffd2a6}
.fine{font-size:.84rem;color:var(--muted)}
.intro{color:var(--muted);font-size:1.05rem}
.more{font-weight:620}

/* ---- buttons ---- */
.btn{display:inline-block;padding:.78em 1.25em;border-radius:4px;font-weight:650;font-stretch:104%;text-decoration:none;line-height:1.2;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit}
.btn-sm{padding:.5em .95em;font-size:.92rem}
.btn-solid{background:var(--pri);color:#fff}
.btn-solid:hover{background:var(--pri-d);color:#fff}
.btn-line{border-color:var(--char);color:var(--ink)}
.btn-line:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn-line-inv{border-color:#fff;color:#fff}
.btn-line-inv:hover{background:#fff;color:var(--ink)}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:1.4em}

/* ---- header ---- */
.top{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.top-in{display:flex;align-items:center;gap:24px;min-height:78px}
.logo img{width:150px;height:auto}
.nav{display:flex;align-items:center;gap:18px;flex:1;justify-content:flex-end}
.nav>ul{display:flex;gap:2px;list-style:none;margin:0;padding:0}
.nav li{position:relative}
.nav>ul>li>a{display:block;padding:10px 11px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;border-bottom:3px solid transparent}
.nav>ul>li.on>a,.nav>ul>li>a:hover{border-bottom-color:var(--or)}
.dd{position:absolute;left:0;top:100%;min-width:250px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--pri);list-style:none;margin:0;padding:8px 0;display:none;box-shadow:0 14px 30px -18px rgba(37,39,42,.45)}
.dd a{display:block;padding:7px 16px;color:var(--ink);text-decoration:none;font-size:.94rem}
.dd a:hover,.dd a[aria-current]{background:var(--pri-t)}
.has-sub:hover>.dd,.has-sub:focus-within>.dd{display:block}
.nav-act{display:flex;align-items:center;gap:14px}
.tel{font-weight:700;color:var(--ink);text-decoration:none;font-variant-numeric:tabular-nums;white-space:nowrap}
.menu-btn{display:none;margin-left:auto;background:none;border:2px solid var(--char);border-radius:4px;padding:8px 14px;font:600 .95rem Archivo,sans-serif;color:var(--ink)}
@media (max-width:1080px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:8px 24px 20px;max-height:calc(100vh - 78px);overflow:auto}
  .nav.open{display:flex}
  .nav>ul{flex-direction:column}
  .nav>ul>li>a{border-bottom:1px solid var(--line);padding:12px 0}
  .dd{position:static;display:block;border:0;box-shadow:none;padding:0 0 8px 12px;min-width:0}
  .dd a{padding:6px 0}
  .nav-act{padding-top:14px}
}

/* ---- hero ---- */
.hero{position:relative;padding:64px 0 210px;background:linear-gradient(180deg,#f4f8fc 0,#fff 45%);overflow:hidden}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:330px;background:url(hero-hills-warm.svg) center bottom/100% 100% no-repeat;pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero + .band-concrete{padding-top:40px}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:start}
.hero .lead{font-size:1.16rem;color:#3a3d41;max-width:36em}
.terms{display:grid;grid-template-columns:repeat(3,auto);gap:0;margin:1.6em 0 0;padding:0;border-top:2px solid var(--ink);justify-content:start}
.terms div{padding:12px 26px 0 0}
.terms div+div{padding-left:22px;border-left:1px solid var(--line)}
.terms dt{font-size:.84rem;color:var(--muted);margin-bottom:2px}
.terms dd{margin:0;font-size:1.45rem;font-weight:740;font-stretch:112%;font-variant-numeric:tabular-nums}
.terms small{display:block;font-size:.78rem;font-weight:400;color:var(--muted);font-stretch:100%}

/* the equity instrument: the one bold thing on the page */
.eq{background:#fff;border:1px solid var(--line);border-top:6px solid var(--pri);border-radius:4px;padding:26px 26px 20px;box-shadow:0 30px 60px -40px rgba(37,39,42,.5)}
.eq-h{font-size:1.25rem;margin-bottom:14px}
.eq-bar{display:flex;height:58px;border-radius:3px;overflow:hidden;background:var(--concrete)}
.eq-bar span{display:block;height:100%;transition:width .45s cubic-bezier(.2,.7,.2,1)}
.eq-owe{background:var(--pri)}
.eq-line{background:var(--or)}
.eq-keep{background:repeating-linear-gradient(135deg,var(--concrete) 0 7px,#d9dcdf 7px 9px)}
.eq-key{display:flex;flex-wrap:wrap;gap:6px 18px;list-style:none;padding:0;margin:10px 0 18px;font-size:.84rem;color:var(--muted)}
.eq-key i{display:inline-block;width:12px;height:12px;border-radius:2px;margin-right:6px;vertical-align:-1px}
.k-owe{background:var(--pri)}.k-line{background:var(--or)}.k-keep{background:repeating-linear-gradient(135deg,var(--concrete) 0 3px,#c9cdd1 3px 4px)}
.eq-in{display:grid;grid-template-columns:1fr 1fr;gap:12px 16px}
.eq-in label{position:relative;display:block;font-size:.84rem;color:var(--muted);font-weight:560}
.eq-in input{display:block;width:100%;margin-top:4px;padding:10px 12px;border:1px solid #b9bec2;border-radius:3px;font:600 1.08rem Archivo,sans-serif;color:var(--ink);font-variant-numeric:tabular-nums}
.eq-in label:not(:has(.suf)) input{padding-left:24px}
.eq-in label:not(:has(.suf))::after{content:"$";position:absolute;left:11px;bottom:11px;color:var(--muted);font-weight:600}
.eq-in .suf{position:absolute;right:12px;bottom:11px;color:var(--muted);font-weight:600}
.eq-out{margin:18px 0 10px;font-size:1.06rem;max-width:none}
.eq-out b{font-size:1.5rem;font-stretch:112%;font-weight:760;color:var(--ink)}
.eq-cmp{width:100%;border-collapse:collapse;font-size:.95rem}
.eq-cmp caption{text-align:left;font-size:.84rem;color:var(--muted);padding-bottom:4px}
.eq-cmp th{text-align:left;font-weight:500;padding:7px 0;border-top:1px solid var(--line)}
.eq-cmp td{text-align:right;font-weight:700;font-variant-numeric:tabular-nums;border-top:1px solid var(--line);white-space:nowrap}
.eq-diff th,.eq-diff td{border-top:2px solid var(--ink);font-weight:740}
.eq-diff td.save{color:#17733f}
.eq-fine{font-size:.78rem;color:var(--muted);margin:12px 0 0}

/* ---- bands ---- */
.band{padding:76px 0}
.band-concrete{background:var(--concrete)}
.band-ink{background:var(--pri);color:#e6edf6}
.band-ink h2,.band-ink h3{color:#fff}
.band-ink a{color:#ffc58a}
.band-ink a:hover{color:#fff}
.band-ink .btn-solid{background:#fff;color:var(--pri)}.band-ink .btn-solid:hover{background:var(--pri-t);color:var(--pri-d)}.band-ink .btn-line-inv{color:#fff}.band-ink .btn-line-inv:hover{color:var(--ink)}
.band-cta{background:var(--pri-t);border-top:4px solid var(--or)}
.band-cta a{font-weight:700}
.split{display:grid;grid-template-columns:.85fr 1.15fr;gap:56px;align-items:start}

table.vs{width:100%;border-collapse:collapse;background:#fff;border-radius:4px;overflow:hidden;font-size:.97rem}
.vs th,.vs td{padding:13px 16px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.vs thead th{background:var(--ink);color:#fff;font-weight:650}
.vs thead th:nth-child(2){background:var(--pri);color:#fff;box-shadow:inset 0 -4px 0 var(--or)}
.vs tbody th{font-weight:600;color:var(--muted);width:32%}

ol.steps{list-style:none;counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:0;margin:28px 0 0;padding:0}
.steps li{counter-increment:s;padding:0 26px 0 0;position:relative}
.steps li::before{content:counter(s);display:flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;background:var(--pri);color:#fff;font-weight:760;font-size:1.1rem;margin-bottom:16px;position:relative;z-index:1}
.steps li::after{content:"";position:absolute;left:42px;right:0;top:20px;height:2px;background:var(--line)}
.steps li:last-child::after{display:none}
.steps p{font-size:.96rem;color:#44474b}

.prog-cols{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.prog-cols ul,.areas ul{list-style:none;margin:0;padding:0}
.prog-cols li{padding:6px 0;border-bottom:1px solid rgba(255,255,255,.18)}
.prog-cols a{text-decoration:none;color:#fff}
.prog-cols a:hover{color:#ffc58a}

.rate-strip{width:100%;border-collapse:collapse;margin-top:12px;font-variant-numeric:tabular-nums}
.rate-strip th,.rate-strip td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:right}
.rate-strip th:first-child{text-align:left}
.rate-strip thead th{font-size:.84rem;color:var(--muted);font-weight:560;border-bottom:2px solid var(--ink)}
.rate-strip td:nth-child(2){font-weight:740;font-size:1.15rem;color:var(--pri-ink)}

.person{display:grid;grid-template-columns:240px 1fr;gap:44px;align-items:center}

.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;margin:24px 0}
.areas h3{font-size:1rem;padding-bottom:8px;border-bottom:2px solid var(--or)}
.areas li{padding:4px 0}
.areas a{color:var(--ink);text-decoration:none}
.areas a:hover{color:var(--pri-ink);text-decoration:underline}

.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;padding:18px 36px 18px 0;font-weight:640;font-size:1.06rem;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"";position:absolute;right:6px;top:50%;width:10px;height:10px;border-right:2px solid var(--pri-ink);border-bottom:2px solid var(--pri-ink);transform:translateY(-70%) rotate(45deg);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-30%) rotate(-135deg)}
.faq .ans{padding:0 0 14px;color:#3a3d41}

/* ---- lead form ---- */
.lead-box{background:#fff;border-radius:4px;padding:26px;box-shadow:0 24px 50px -30px rgba(0,0,0,.45)}
.lead h3{font-size:1.3rem}
.lead label{display:block;font-size:.86rem;font-weight:560;color:var(--muted);margin-bottom:12px}
.lead input,.lead textarea,.lead select{display:block;width:100%;margin-top:4px;padding:10px 12px;border:1px solid #b9bec2;border-radius:3px;font:400 1rem Archivo,sans-serif;color:var(--ink)}
.lead .f2{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
.lead .opt{font-weight:400}
.lead .btn{width:100%;margin-top:4px}
.form-msg:empty{display:none}
.form-msg{margin:10px 0 0;font-weight:600}
.form-msg.err{color:#a3271d}
.lead .fine{margin:10px 0 0}
.thanks h3{font-size:1.3rem}

/* ---- inner pages ---- */
.page-hero{position:relative;background:linear-gradient(180deg,#f2f6fb 0,#f6f9fc 100%);padding:40px 0 96px;overflow:hidden}
.page-hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:130px;background:url(hero-hills-page-warm.svg) center bottom/100% 100% no-repeat;pointer-events:none}
.page-hero .wrap{position:relative;z-index:1}
.crumbs{font-size:.86rem;color:var(--muted);margin-bottom:18px}
.crumbs a{color:var(--muted)}
.page-hero .lead{font-size:1.14rem;color:#3a3d41;max-width:46em}
.prose{max-width:760px}
.prose h2{margin-top:1.6em}.prose>h2:first-child{margin-top:0}
.prose ul{padding-left:1.2em}.prose li{margin-bottom:.4em}
.pricer-wrap{padding:36px 0 56px}
.two{display:grid;grid-template-columns:1fr 380px;gap:56px;align-items:start}
.aside{position:static}
.aside .eq-cmp{font-size:.88rem}.aside .eq-in input{font-size:1rem}
.facts{border-top:2px solid var(--ink);margin:0 0 24px;padding:0}
.facts div{display:flex;justify-content:space-between;gap:12px;padding:10px 0;border-bottom:1px solid var(--line)}
.facts dt{color:var(--muted);font-size:.92rem}.facts dd{margin:0;font-weight:700;text-align:right;font-variant-numeric:tabular-nums}
.nearby{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0}
.nearby a{display:inline-block;padding:6px 12px;border:1px solid var(--line);border-radius:20px;text-decoration:none;color:var(--ink);font-size:.92rem;background:#fff}
.nearby a:hover{border-color:var(--pri);background:var(--pri-t)}

/* ---- footer ---- */
.foot{background:#2b2c2e;color:#c9ccd0;padding:56px 0 28px;font-size:.93rem}
.foot a{color:#e9eaec;text-decoration:none}
.foot a:hover{color:var(--or)}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:32px}
.foot-co img{margin-bottom:14px}
.foot-h{color:#fff;font-size:1rem;margin-bottom:12px}
.foot ul{list-style:none;margin:0;padding:0}.foot li{padding:3px 0}
.foot-note{font-size:.84rem;margin-top:12px}
.soc{display:flex;gap:14px}
.foot-legal{border-top:1px solid #45474b;margin-top:36px;padding-top:20px;font-size:.8rem;color:#a6aaae}
.foot-legal p{max-width:none}
.foot-legal a{text-decoration:underline}.foot-links a{margin-right:14px}

/* ---- responsive ---- */
@media (max-width:960px){
  .hero{padding:40px 0 150px}.hero::after{height:220px}
  .hero-grid,.split,.two{grid-template-columns:1fr;gap:36px}
  ol.steps{grid-template-columns:1fr 1fr;gap:28px 0}
  .steps li:nth-child(2)::after{display:none}
  .areas{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .aside{position:static}
}
@media (max-width:600px){
  body{font-size:16px}
  .wrap{padding:0 16px}
  .band{padding:52px 0}
  .terms{grid-template-columns:1fr;border-top:0}
  .terms div,.terms div+div{padding:10px 0;border-left:0;border-top:1px solid var(--line)}
  .eq{padding:20px 16px}
  .eq-in{grid-template-columns:1fr 1fr;gap:10px}
  ol.steps{grid-template-columns:1fr}
  .steps li::after{display:none}
  .prog-cols{grid-template-columns:1fr 1fr}
  .person{grid-template-columns:1fr;gap:20px}.person img{width:160px}
  .areas,.foot-grid{grid-template-columns:1fr}
  .lead .f2{grid-template-columns:1fr}
  table.vs{font-size:.88rem}.vs th,.vs td{padding:10px}
}

/* ---- rate-engine skin pages (closing-costs.php, qualify.php, rates.php) ---- */
.sec{padding:56px 0}
.rates-head{padding:40px 0 36px;background:var(--pri);color:#e6edf6}
.rates-head h1{color:#fff;margin-bottom:.3em}
.rates-head .lead{color:#d9dcdf}
.rates-head .crumbs,.rates-head .crumbs a{color:#c3c7cb}
.asof{white-space:nowrap;color:var(--muted);font-size:.9rem}
.rate-note{margin:24px 0 0;font-size:.84rem;color:var(--muted);max-width:90ch}
.btn-primary{background:var(--pri);color:#fff}.btn-primary:hover{background:var(--pri-d);color:#fff}
.btn-ghost{border-color:var(--char);color:var(--ink)}.btn-ghost:hover{background:var(--ink);color:#fff}
.btn-block{display:block;width:100%;text-align:center}
.btn-lg{padding:.95em 1.3em;font-size:1.05rem}
.ff{margin-bottom:14px}
.ff label{display:block;font-size:.86rem;font-weight:600;color:var(--muted);margin-bottom:5px}
.ff input,.ff textarea,.ff select{width:100%;padding:10px 12px;border:1px solid #b9bec2;border-radius:3px;font:400 1rem Archivo,sans-serif;background:#fff;color:var(--ink)}
.hint{display:block;font-size:.78rem;color:var(--muted);margin-top:4px}
.cc-cards{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:0;margin-bottom:28px;border:1px solid var(--line);border-top:6px solid var(--pri);background:#fff}
.cc-card{padding:20px 22px}
.cc-card+.cc-card{border-left:1px solid var(--line)}
.cc-card .k{font-size:.84rem;color:var(--muted);margin-bottom:6px}
.cc-card .big{font-size:2.1rem;font-weight:760;font-stretch:112%;line-height:1;color:var(--ink)}
.cc-card .big small{font-size:1rem;font-weight:500;color:var(--muted)}
.cc-card .sub{font-size:.88rem;color:var(--muted);margin-top:8px}
.cc-lead .big{color:var(--pri-ink)}
.cc-grid{display:grid;grid-template-columns:1.25fr .95fr;gap:28px;align-items:start}
.cc-block{border:1px solid var(--line);border-radius:4px;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:0 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{text-align:right}
.cc-group{font-weight:700;color:var(--pri-ink);font-size:.86rem;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;border-bottom:2px solid var(--ink)}
.cc-grand{display:flex;justify-content:space-between;gap:12px;margin-top:16px;padding:14px 16px;background:var(--concrete);font-weight:700}
.cc-grand b{font-size:1.15rem}
.cc-note{font-size:.84rem;color:var(--muted);margin:14px 0 0}
.cc-side{position:sticky;top:100px}
.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 .total{border-bottom:0;border-top:2px solid var(--ink);padding-top:14px}
.pay-lines .total span{color:var(--ink);font-weight:700}
.pay-lines .total b{font-size:1.5rem;font-stretch:112%}
.pay-lines .total b small{font-size:.85rem;color:var(--muted);font-weight:500}
.pay-lines .how{font-size:.8em;font-weight:600;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)}
.cc-how{margin-top:10px;border-top:1px solid var(--line);padding-top:12px}
.cc-how summary{cursor:pointer;font-weight:650;font-size:.92rem;color:var(--pri-ink)}
.cc-how-body{font-size:.88rem;color:#3a3d41;padding-top:8px}
.qsum{background:var(--pri);color:#e4e6e8;border-radius:4px;padding:24px}
.qsum ul{list-style:none;margin:0;padding:0}
.qsum li{display:flex;justify-content:space-between;gap:12px;border-bottom:1px solid rgba(255,255,255,.14);padding:8px 0;font-size:.95rem}
.qsum li b{color:#fff}
@media (max-width:960px){.cc-cards{grid-template-columns:1fr}.cc-card+.cc-card{border-left:0;border-top:1px solid var(--line)}.cc-grid{grid-template-columns:1fr}.cc-side{position:static}.cc-facts{grid-template-columns:1fr}}

/* ---- equity finder (home hero) ---- */
.fd{background:#fff;border:1px solid var(--line);border-top:6px solid var(--pri);border-radius:4px;padding:24px 26px 20px;box-shadow:0 30px 60px -40px rgba(22,54,90,.55);scroll-margin-top:96px}
.fd-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap;margin-bottom:14px}
.fd-top .eq-h{margin:0}
.fd-dots{display:flex;gap:6px;list-style:none;margin:0;padding:0;counter-reset:d}
.fd-dots li{counter-increment:d;font-size:0;width:26px;height:6px;border-radius:3px;background:var(--line)}
.fd-dots li.on{background:var(--or)}
.fd-q{font-size:1.15rem;font-weight:680;font-stretch:104%;color:var(--ink);margin:0 0 14px;max-width:none}
.fd-chips{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.fd-chip{font:600 1rem Archivo,sans-serif;text-align:left;padding:14px 16px;border:1px solid #b9c6d6;border-radius:4px;background:#fff;color:var(--ink);cursor:pointer}
.fd-chip:hover,.fd-chip.on{border-color:var(--pri);background:var(--pri-t)}
.fd-chip:last-child{grid-column:1/-1}
.fd-note{font-size:.88rem;color:var(--muted);margin:12px 0 0}
.fd-f{display:block;font-size:.86rem;font-weight:560;color:var(--muted);margin-bottom:12px;position:relative}
.fd-f input{display:block;width:100%;margin-top:4px;padding:12px;border:1px solid #b9bec2;border-radius:3px;font:600 1.08rem Archivo,sans-serif;color:var(--ink)}
.fd-money input{padding-left:24px}.fd-money::after{content:"$";position:absolute;left:11px;bottom:13px;color:var(--muted);font-weight:600}
.fd-row{display:flex;flex-wrap:wrap;align-items:center;gap:14px;margin:8px 0 0}
.fd-link,.fd-back{background:none;border:0;padding:0;font:600 .95rem Archivo,sans-serif;color:var(--pri-ink);text-decoration:underline;cursor:pointer}
.fd-back{display:block;margin-top:14px;font-size:.86rem;color:var(--muted)}
.fd-msg{color:#a3271d;font-weight:600;margin:8px 0 0}.fd-msg:empty{display:none}
.fd .eq-bar{margin-top:16px}
.fd-big{font-size:1.06rem;margin:12px 0 10px;max-width:none}
.fd-big b{font-size:1.5rem;font-stretch:112%;font-weight:760;color:var(--ink)}
.fd .lead label{margin-bottom:10px}
.fd-consent{display:flex!important;gap:10px;align-items:flex-start;font-size:.8rem!important;font-weight:400!important;line-height:1.45}
.fd-consent input{width:auto!important;margin-top:3px!important;flex:0 0 auto}
.fd-acts{display:flex;flex-direction:column;gap:10px;margin:16px 0 4px}
.fd-acts .btn{text-align:center}
@media (max-width:600px){.fd{padding:20px 16px}.fd-chips{grid-template-columns:1fr}}
.fd-heloc{margin:4px 0 14px;padding:0;border-top:2px solid var(--ink)}
.fd-heloc[hidden]{display:none}
.fd-heloc div{display:flex;justify-content:space-between;align-items:baseline;gap:12px;padding:8px 0;border-bottom:1px solid var(--line)}
.fd-heloc dt{font-size:.94rem}.fd-heloc dt small{display:block;font-size:.78rem;color:var(--muted)}
.fd-heloc dd{margin:0;font-weight:760;font-size:1.12rem;font-variant-numeric:tabular-nums;white-space:nowrap}
.fd-heloc div:nth-child(2) dd{color:var(--pri-ink);font-size:1.3rem}
.fd-cmp thead th{font-size:.8rem;color:var(--muted);font-weight:600;text-align:right;padding:4px 0}
.fd-cmp td{font-size:.9rem;padding-left:10px}
.fd-cmp td[rowspan]{vertical-align:middle;font-weight:500;white-space:normal;max-width:9em;text-align:right}
.fd-save{margin:10px 0 0;font-size:.98rem;max-width:none}.fd-save.good b{color:#17733f}
.fd-gate{margin:16px 0 4px;padding:14px 16px;background:var(--pri-t);border-left:4px solid var(--or);border-radius:3px}
.fd-gate-h{font-weight:650;margin:0 0 8px;max-width:none}
.fd-gate .fd-f select{display:block;width:100%;margin-top:4px;padding:10px;border:1px solid #b9bec2;border-radius:3px;font:500 1rem Archivo,sans-serif;background:#fff}
.fd-gate .fd-row{margin-top:4px}.fd-gate .fd-note{margin-top:8px}
.fd-scen{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:6px 0 6px}
.fd-scen[hidden]{display:none}
.fd-sc{border:1px solid var(--line);border-radius:4px;padding:10px 10px 9px;background:#fff}
.fd-sc-on{border-color:var(--pri);box-shadow:inset 0 3px 0 var(--or);background:var(--pri-t)}
.fd-sc p{margin:0;max-width:none}
.fd-sc-h{font-size:.78rem;font-weight:650;color:var(--muted)}
.fd-sc-amt{font-size:.86rem;font-weight:600;margin-top:2px!important}
.fd-sc-pay{font-size:1.35rem;font-weight:760;font-stretch:110%;color:var(--pri-ink);font-variant-numeric:tabular-nums;margin-top:4px!important}
.fd-sc-pay small{font-size:.75rem;font-weight:500;color:var(--muted)}
.fd-sc-sub{font-size:.76rem;color:var(--muted);line-height:1.3;margin-top:2px!important}
.fd-sc-note{margin:4px 0 14px}
.fd .eq-in{grid-template-columns:1fr 1fr}
@media (max-width:600px){.fd-scen{grid-template-columns:1fr}.fd-sc{display:grid;grid-template-columns:1fr auto;column-gap:10px}.fd-sc-h{grid-column:1}.fd-sc-amt{grid-column:1}.fd-sc-pay{grid-column:2;grid-row:1/3;align-self:center}.fd-sc-sub{grid-column:1/-1}}
.fd-cmp th[scope=row] small{display:block;font-size:.76rem;color:var(--muted);font-weight:400}
.fd-cmp thead th span{display:block;font-weight:500}
.fd-cmp tr[hidden]{display:none}
.hero-types{margin-top:30px;padding-top:20px;border-top:1px solid var(--line)}
.hero-types h2{font-size:1.1rem;font-stretch:104%;margin-bottom:10px}
.hero-types ul:not(.se-list){list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:10px}
.hero-types li a{display:block;height:100%;padding:12px 14px;background:rgba(255,255,255,.85);border:1px solid var(--line);border-left:3px solid var(--pri);border-radius:3px;text-decoration:none;color:var(--ink)}
.hero-types li a:hover{border-left-color:var(--or);background:#fff}
.hero-types li a b{display:block;font-size:.98rem;color:var(--pri-ink)}
.hero-types li a span{display:block;font-size:.86rem;color:var(--muted);line-height:1.4;margin-top:2px}
.fd-fast{margin:0 0 10px;font-size:.9rem;max-width:none}.fd-fast b{color:var(--pri-ink)}
@media (max-width:600px){.hero-types ul:not(.se-list){grid-template-columns:1fr}}
.hero-grid{grid-template-areas:"copy fd" "types fd"}
.hero-copy{grid-area:copy}.fd{grid-area:fd}.hero-types{grid-area:types}
@media (max-width:960px){.hero-grid{grid-template-areas:"copy" "fd" "types"}.hero-types{margin-top:0}}
.hero-grid{row-gap:0}.fd{align-self:start}@media (max-width:960px){.hero-grid{row-gap:32px}}
/* ---- today's rates under the hero ---- */
.hero + .rates-today{padding-top:36px}
.rt-top{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap;margin-bottom:18px}
.rt-top h2{margin:0}
.rt-asof{margin:0;color:var(--muted);font-size:.92rem}.rt-asof b{color:var(--ink)}
.rt-cards{display:grid;grid-template-columns:repeat(5,1fr);background:#fff;border:1px solid var(--line);border-top:4px solid var(--pri);border-radius:4px}
.rt-card{display:flex;flex-direction:column;gap:4px;padding:20px 20px 18px;text-decoration:none;color:var(--ink);border-left:1px solid var(--line)}
.rt-card:first-child{border-left:0}
.rt-card:hover{background:var(--pri-t)}
.rt-card:hover .rt-go{text-decoration:underline}
.rt-prog{font-weight:680;font-size:.98rem}
.rt-rate{font-size:2.3rem;font-weight:780;font-stretch:110%;line-height:1.05;margin-top:6px;color:var(--ink)}
.rt-rate sup{font-size:.9rem;color:var(--pri-ink);margin-left:1px}
.rt-apr{color:var(--muted);font-size:.92rem}
.rt-pay{font-size:.88rem;color:var(--muted);margin-top:8px;line-height:1.45}.rt-pay b{color:var(--ink)}
.rt-go{margin-top:auto;padding-top:12px;font-weight:650;color:var(--pri-ink);font-size:.94rem}
.rt-cta{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap;margin:16px 0 12px;padding:16px 22px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--or);border-radius:4px}
.rt-cta p{margin:0;max-width:62ch}
.rates-today .fine{max-width:90ch}
.band-vs table.vs{border:1px solid var(--line)}
@media (max-width:1100px){.rt-cards{grid-template-columns:repeat(3,1fr)}.rt-card:nth-child(4){border-left:0}.rt-card:nth-child(n+4){border-top:1px solid var(--line)}}
@media (max-width:640px){.rt-cards{grid-template-columns:1fr 1fr}.rt-card{border-left:0;border-top:1px solid var(--line);padding:16px}.rt-card:nth-child(even){border-left:1px solid var(--line)}.rt-card:first-child,.rt-card:nth-child(2){border-top:0}.rt-rate{font-size:1.8rem}}
/* ---- review pills ---- */
.rvb{margin-top:22px}
.rvb-l{font-size:.8rem;font-weight:650;color:var(--muted);margin:0 0 8px}
.rvb-row{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px;max-width:565px}
.rvb-p{display:grid;grid-template-columns:auto 1fr;grid-template-areas:"s n" "st c";column-gap:8px;row-gap:2px;align-items:center;padding:8px 16px;background:#fff;border:1px solid var(--line);border-radius:999px;text-decoration:none;color:var(--ink)}
.rvb-p:hover{border-color:var(--pri)}
.rvb-s{grid-area:s;font-weight:760;font-size:1rem;line-height:1.1}
.rvb-st{grid-area:st;color:#f5a623;font-size:.72rem;line-height:1}
.rvb-c{grid-area:c;justify-self:end;font-size:.76rem;color:var(--muted);line-height:1.1;white-space:nowrap}
.rvb-n{grid-area:n;justify-self:end;font-weight:800;font-size:.9rem;white-space:nowrap}
.rvb-g b:nth-child(1),.rvb-g b:nth-child(4){color:#4285F4}.rvb-g b:nth-child(2),.rvb-g b:nth-child(6){color:#EA4335}.rvb-g b:nth-child(3){color:#FBBC05}.rvb-g b:nth-child(5){color:#34A853}
.rvb-z .rvb-n{color:#006AFF}.rvb-x .rvb-n{color:var(--pri-ink)}
@media (max-width:600px){.rvb-row{grid-template-columns:1fr}}
.fd .eq-in .fd-wide{grid-column:1/-1}
.fd-intro{margin:0 0 12px!important}
.fd-avm{margin:6px 0 0}
.fd-addrrow{display:flex;gap:8px;margin-top:8px}
.fd-addrrow input{flex:1;min-width:0;padding:10px 12px;border:1px solid #b9bec2;border-radius:3px;font:500 1rem Archivo,sans-serif}
.fd .eq-bar{margin-top:14px}
.fd .lead select{display:block;width:100%;margin-top:4px;padding:10px 12px;border:1px solid #b9bec2;border-radius:3px;font:400 1rem Archivo,sans-serif;background:#fff}
.hero-types .rvb{margin-top:24px}
.hero-grid{grid-template-rows:auto 1fr}.hero-types{align-self:start}
.rvb-row{grid-template-columns:repeat(auto-fit,minmax(165px,max-content))}
/* self-employed callout */
.hero-types{border-top:0;padding-top:0}
.se-card{display:block;margin-top:8px;padding:24px 26px 22px;background:var(--pri);color:#e3ecf6;border-radius:4px;text-decoration:none;box-shadow:inset 5px 0 0 var(--or)}
.se-card:hover{background:var(--pri-d)}
.se-card p{max-width:none}
.se-kick{margin:0 0 4px;color:#ffc58a;font-weight:700;font-size:1rem}
.se-h{margin:0 0 10px;color:#fff;font-size:1.45rem;font-weight:760;font-stretch:110%;line-height:1.15}
.se-p{margin:0 0 12px;font-size:.98rem;color:#d3e0ee}
.se-list{list-style:none;margin:0 0 18px;padding:0}
.se-list li{position:relative;padding:4px 0 4px 26px;font-size:.95rem;color:#fff}
.se-list li::before{content:"";position:absolute;left:2px;top:9px;width:12px;height:7px;border-left:2.5px solid #ffc58a;border-bottom:2.5px solid #ffc58a;transform:rotate(-45deg)}
.se-btn{display:inline-block;background:#fff;color:var(--pri);font-size:1rem}
.se-card:hover .se-btn{background:var(--pri-t)}
.se-more{margin:14px 0 0;font-size:.92rem;color:var(--muted);max-width:none}
.se-more a{display:inline-block;margin:4px 14px 0 0;font-weight:600}
/* ---- finder, condensed (Oct 22) ---- */
.fd{padding:20px 22px 16px}
.fd-top{margin-bottom:12px;align-items:flex-start}
.fd-sub{margin:2px 0 0;font-size:.84rem;color:var(--muted)}
.fd-in{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px 10px}
.fd-in label{position:relative;display:block;font-size:.78rem;font-weight:600;color:var(--muted)}
.fd-in input{display:block;width:100%;margin-top:3px;padding:8px 10px 8px 22px;border:1px solid #b9bec2;border-radius:3px;font:650 1rem Archivo,sans-serif;color:var(--ink);font-variant-numeric:tabular-nums}
.fd-in label::after{content:"$";position:absolute;left:9px;bottom:9px;color:var(--muted);font-weight:600;font-size:.9rem}
.fd-in .fd-pct input{padding-left:10px;padding-right:22px}
.fd-in .fd-pct::after{content:"%";left:auto;right:9px}
.fd-avmbtn{align-self:end;justify-self:start;padding-bottom:9px!important;font-size:.84rem!important;text-align:left}
.fd-valnote:empty,.fd-msg:empty{display:none}
.fd-big{margin:12px 0 6px!important;font-size:1rem!important}
.fd-big b{font-size:1.4rem!important}
.fd .fd-bar{height:20px;margin-top:0}
.fd-key{margin:6px 0 12px!important;font-size:.76rem!important}
.fd-scen{gap:6px;margin:0}
.fd-sc{padding:8px 10px 7px}
.fd-sc-h{font-size:.76rem!important;font-weight:650;color:var(--muted)}
.fd-sc-h span{display:block;color:var(--ink);font-size:.84rem}
.fd-sc-pay{font-size:1.25rem!important;margin-top:2px!important}
.fd-sc-sub{font-size:.72rem!important}
.fd-tiny{margin:5px 0 10px;font-size:.74rem;color:var(--muted);max-width:none}
.fd-savebox{background:#eef7f1;border:1px solid #cfe6d7;border-radius:4px;padding:10px 12px;margin-bottom:12px}
.fd-savebox .fd-save{margin:0;font-size:.92rem}
.fd-savebox .fd-save b{color:#17733f;font-size:1.02rem}
.fd-math summary{cursor:pointer;margin-top:6px;font-size:.84rem;font-weight:650;color:var(--pri-ink)}
.fd-math .fd-cmp{margin-top:8px;background:#fff}
.fd-gate{margin:0 0 8px;padding:12px 14px}
.fd-fast{display:inline-block;margin:0 0 8px!important;padding:3px 10px;background:var(--or);color:#1d1e20!important;border-radius:20px;font-weight:700;font-size:.8rem!important}
.fd-gate-h{font-size:.98rem;margin-bottom:8px}
.fd-gaterow{display:flex;gap:8px;align-items:stretch;flex-wrap:wrap}
.fd-gaterow .fd-f{margin:0;flex:0 0 auto}
.fd-gaterow select{margin-top:0!important;height:100%;padding:10px!important;font-size:.92rem!important}
.fd-gaterow .btn{flex:1 1 auto;white-space:nowrap}
.fd-gate .fd-note{margin-top:8px;font-size:.8rem}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.fd .eq-fine{font-size:.72rem;margin-top:6px}
@media (max-width:600px){.fd-in{grid-template-columns:1fr 1fr}.fd-gaterow .btn{white-space:normal}}
/* equal heights: both columns end together */
@media (min-width:961px){.hero-types{align-self:stretch;display:flex;flex-direction:column}.hero-types .rvb{margin-top:auto;padding-top:20px}}
/* condense the left column (Oct 22) */
@media (min-width:961px){
  .hero{padding-top:48px}
  .hero h1{font-size:3.05rem}
  .hero .lead{font-size:1.06rem;margin-bottom:.6em}
  .hero .terms{margin-top:1em}
  .hero .terms dd{font-size:1.3rem}
  .hero-copy .hero-cta{display:none}
  .hero-types{margin-top:22px}
}
.se-card{padding:18px 22px 18px;margin-top:0}
.se-kick{font-size:.92rem}
.se-h{font-size:1.25rem;margin-bottom:6px}
.se-p{font-size:.92rem;margin-bottom:8px}
.se-list{display:flex!important;flex-wrap:wrap;gap:2px 18px;margin-bottom:14px}
.se-list li{font-size:.88rem;padding:3px 0 3px 22px}
.se-list li::before{top:8px;width:10px;height:6px}
.se-more{margin-top:10px;font-size:.88rem}
.fd-gaterow .fd-f{flex:0 0 38%}
.fd-gaterow select{width:100%}
.fd-gaterow .btn{flex:1 1 0;white-space:normal;padding:.7em 1em}
.fd-math .fd-cmp caption{font-size:.76rem;padding-bottom:2px}
.fd-math .fd-cmp th,.fd-math .fd-cmp td{padding:5px 0;font-size:.84rem;line-height:1.25}
.fd-math .fd-cmp td{padding-left:8px}
.fd-math .fd-cmp th[scope=row] small{display:inline;margin-left:4px}
.fd-math .fd-cmp thead th{font-size:.74rem;padding:2px 0}
.fd-math .fd-cmp thead th span{display:inline}
@media (max-width:600px){.fd-gaterow{flex-direction:column}.fd-gaterow .fd-f{flex:none;width:100%}.fd-gaterow .btn{flex:none;width:100%}}

/* ---- equity box (Oct 22) ---- */
.fd-eq{display:flex;flex-direction:column;justify-content:center;padding:4px 10px;border:1px solid #b9d9c4;border-left:4px solid #1f8a4c;border-radius:3px;background:#eef7f1;line-height:1.15}
.fd-eq-l{font-size:.78rem;font-weight:600;color:var(--muted);display:flex;align-items:center;gap:6px}
.fd-eq b{font-size:1.15rem;font-variant-numeric:tabular-nums;color:#17733f}
.fd-eq small{font-size:.72rem;font-weight:600;color:#17733f}
.fd-eq.eq-y{background:#fff8db;border-color:#ecd677;border-left-color:#d9a400}
.fd-eq.eq-y b,.fd-eq.eq-y small{color:#7a5a00}
.fd-eq.eq-r{background:#fdecec;border-color:#efb8b8;border-left-color:#c62828}
.fd-eq.eq-r b,.fd-eq.eq-r small{color:#a51d1d}
.fd-help{width:18px;height:18px;border-radius:50%;border:0;background:var(--pri);color:#fff;font:700 .72rem/18px Archivo,sans-serif;padding:0;cursor:pointer}
.fd-help:hover,.fd-help[aria-expanded=true]{background:var(--or)}
.fd-tip{margin:8px 0 0;padding:10px 12px;background:#fff;border:1px solid #cdd6e0;border-radius:4px;font-size:.84rem}
.fd-tip p{margin:0 0 6px;max-width:none}.fd-tip p:last-child{margin:6px 0 0}
.fd-tip ul{list-style:none;margin:0;padding:0;display:grid;gap:3px}
.fd-tip li{display:flex;align-items:center;gap:8px}
.fd-tip i{width:12px;height:12px;border-radius:2px;flex:none}
.fd-tip .t-g{background:#1f8a4c}.fd-tip .t-y{background:#d9a400}.fd-tip .t-r{background:#c62828}
.fd-tip a{font-weight:600}
.fd-low .fd-scen,.fd-low .fd-tiny,.fd-low .fd-savebox,.fd-low .fd-gate{display:none!important}
.fd-low .fd-big{color:#a51d1d}
.fd-in label{align-self:end}

/* ---- H1 kicker, mortgage line, existing-HELOC card (Oct 22) ---- */
.h1-kick{display:block;margin-bottom:10px;font-size:.95rem;font-weight:700;font-stretch:100%;letter-spacing:.06em;text-transform:uppercase;color:var(--pri-ink);line-height:1.2}
.h1-kick::before{content:"";display:inline-block;width:22px;height:3px;background:var(--or);vertical-align:middle;margin:-3px 10px 0 0}
.hero-mtg{margin:-4px 0 14px;font-size:.92rem;color:var(--muted);max-width:none}
.hero-mtg a{font-weight:650}
.hh-card{display:block;margin-top:14px;padding:14px 18px;border:1px solid #cdd6e0;border-left:4px solid var(--pri);border-radius:4px;background:#fff;text-decoration:none;color:var(--ink)}
.hh-card:hover{border-color:var(--pri);background:#f6f9fc}
.hh-card p{margin:0;max-width:none}
.hh-h{font-size:1rem}.hh-h b{color:var(--pri)}
.hh-p{margin-top:4px!important;font-size:.88rem;color:var(--muted)}
.hh-go{display:inline-block;margin-top:8px;font-weight:700;font-size:.9rem;color:var(--pri-ink)}
.hh-card:hover .hh-go{text-decoration:underline}
.hh-go{margin:0 0 0 4px;display:inline}.hh-card{padding:12px 16px}
@media (min-width:961px){.hero-types .rvb{padding-top:14px}.se-more{margin-top:10px}.se-more a{margin-top:0}.hh-card{margin-top:10px}}
@media (min-width:961px){.hero h1{font-size:2.85rem}.h1-kick{margin-bottom:8px;font-size:.88rem}}
@media (min-width:961px){.se-card{padding:14px 22px 15px}.hero .lead{margin-bottom:10px}}
@media (min-width:961px){.hero-types .rvb{padding-top:8px}}

/* ---- reviews wall (Oct 22) ---- */
.rvw{background:#f4f7fa}
.rvw .intro{margin-bottom:22px}
.rvw-bar{display:flex;align-items:center;gap:20px;flex-wrap:wrap;background:#fff;border:1px solid var(--line);border-radius:6px;padding:16px 20px;margin-bottom:22px;box-shadow:0 10px 28px -18px rgba(15,39,67,.35)}
.rvw-overall{display:flex;align-items:center;gap:12px;padding-right:20px;border-right:1px solid var(--line)}
.rvw-overall p{margin:0}
.rvw-score{font-size:2.7rem;font-weight:780;font-stretch:110%;line-height:1;color:var(--pri);letter-spacing:-.03em}
.rvw-stars{color:#f5a623;letter-spacing:2px;font-size:1.05rem;line-height:1.2}
.rvw-count{font-size:.86rem;color:var(--muted)}
.rvw-tabs{display:flex;gap:8px;flex-wrap:wrap}
.rvw-tab{display:flex;flex-direction:column;align-items:center;gap:1px;min-width:100px;padding:8px 16px;border:1px solid var(--line);border-radius:5px;background:#fff;color:var(--pri);font:650 .95rem Archivo,sans-serif;cursor:pointer}
.rvw-tab small{font-size:.76rem;font-weight:600;opacity:.75}
.rvw-tab:hover{border-color:var(--pri)}
.rvw-tab.on{background:var(--pri);border-color:var(--pri);color:#fff}
.rvw-write{margin-left:auto}
.rvw-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:14px}
.rvw-card{display:flex;flex-direction:column;min-width:0;background:#fff;border:1px solid var(--line);border-top:3px solid var(--pri);border-radius:6px;padding:16px 16px 14px}
.rvw-card[hidden],.rvw-m-item[hidden]{display:none}
.rvw-card[data-source=google]{border-top-color:#4285f4}.rvw-card[data-source=experience]{border-top-color:var(--or)}
.rvc-head{display:flex;align-items:center;gap:10px;margin-bottom:10px}
.rvc-av{width:40px;height:40px;border-radius:50%;object-fit:cover;flex:none}
.rvc-init{display:flex;align-items:center;justify-content:center;font-weight:750;color:#fff;background:var(--pri)}
.rvc-init.src-google{background:#4285f4}.rvc-init.src-experience{background:#d86a00}.rvc-init.src-zillow{background:#006aff}
.rvc-who{min-width:0}
.rvc-who p{margin:0;max-width:none}
.rvc-name{font-weight:700;color:var(--ink);line-height:1.25}
.rvc-time{font-size:.78rem;color:var(--muted);line-height:1.3}
.rvc-row{display:flex;align-items:center;justify-content:space-between;gap:8px;margin-bottom:8px}
.rvc-stars{color:#f5a623;letter-spacing:1px;font-size:.95rem}
.rvc-off{color:#d5dbe1}
.rvc-quote{font:800 2rem/0.6 Georgia,serif;color:var(--or);padding-top:10px}
.rvc-src{display:inline-flex;align-items:center;gap:4px;padding:3px 8px;border-radius:999px;font-size:.72rem;font-weight:700;background:var(--pri-t);color:var(--pri);white-space:nowrap}
.rvc-src .gicon{width:12px;height:12px}
.rvc-src.src-experience{background:#fff1e3;color:#9a4a00}.rvc-src.src-zillow{background:#e8f0ff;color:#0a4bd0}.rvc-src.src-google{background:#f1f5fb;color:#2c3a4b}
.rvc-title{font-weight:700;margin:0 0 4px;max-width:none}
.rvc-text{margin:0;font-size:.92rem;line-height:1.55;color:#33373b;max-width:none;display:-webkit-box;-webkit-line-clamp:7;-webkit-box-orient:vertical;overflow:hidden}
.rvc-more{margin-top:auto;padding:10px 0 0;border:0;background:none;color:var(--pri-ink);font:700 .86rem Archivo,sans-serif;cursor:pointer;text-align:left}
.rvw-foot{text-align:center;margin:22px 0 0;max-width:none}
.rvw-foot .more{margin-left:14px}
.rvw-lock{overflow:hidden}
.rvw-modal{position:fixed;inset:0;z-index:300}
.rvw-modal[hidden]{display:none}
.rvw-bd{position:absolute;inset:0;background:rgba(10,24,40,.6)}
.rvw-panel{position:absolute;left:50%;top:50%;transform:translate(-50%,-50%);width:min(760px,94vw);max-height:90vh;display:flex;flex-direction:column;background:#fff;border-radius:8px;overflow:hidden;box-shadow:0 30px 70px -20px rgba(0,0,0,.5)}
.rvw-x{position:absolute;top:10px;right:12px;width:38px;height:38px;border:0;border-radius:50%;background:#eef2f6;font-size:1.4rem;line-height:1;cursor:pointer;z-index:2}
.rvw-mhead{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:18px 62px 14px 22px;border-bottom:1px solid var(--line)}
.rvw-mhead h3{margin:0}
.rvw-scroll{overflow:auto;padding:4px 22px}
.rvw-m-item{padding:16px 0;border-bottom:1px solid var(--line)}
.rvw-m-item .rvc-text{display:block;overflow:visible}
.rvw-m-item.flash{background:#fff7e8}
.rvc-reply{margin:10px 0 0;padding:10px 12px;background:#f4f7fa;border-left:3px solid var(--pri);font-size:.88rem;color:var(--muted);max-width:none}
.rvw-mfoot{margin:0;padding:12px 22px;border-top:1px solid var(--line);text-align:center;max-width:none}
.rvw-cap{width:min(540px,94vw);padding:26px 24px}
.rvw-cap h3{margin:0 0 4px}
.rvw-sub{color:var(--muted);margin:0 0 10px}
.rvw-cap label{display:block;font-size:.86rem;font-weight:560;color:var(--muted);margin-bottom:12px}
.rvw-cap input,.rvw-cap textarea{display:block;width:100%;margin-top:4px;padding:10px 12px;border:1px solid #b9bec2;border-radius:3px;font:400 1rem Archivo,sans-serif;color:var(--ink)}
.rvw-cap .f2{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
.rvw-cap .opt{font-weight:400}
.rvw-cap .btn{width:100%}
.rvw-pick{display:flex;gap:2px;margin-bottom:8px}
.rvw-star{border:0;background:none;padding:0 2px;font-size:2.1rem;line-height:1;color:#d5dbe1;cursor:pointer}
.rvw-star.on{color:#f5a623}
.rvw-or{text-align:center;font-size:.9rem;color:var(--muted);margin:14px 0 0;max-width:none}
.rvw-done{text-align:center;padding:20px 0}
.rvw-check{width:56px;height:56px;margin:0 auto 10px;border-radius:50%;background:var(--pri-t);color:var(--pri);font-size:1.6rem;line-height:56px;font-weight:800}
@media (max-width:1100px){.rvw-grid{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media (max-width:820px){.rvw-overall{border-right:0;padding-right:0}.rvw-write{margin-left:0}}
@media (max-width:700px){.rvw-grid{grid-template-columns:1fr 1fr}.rvw-tab{min-width:0;flex:1}.rvw-tabs{width:100%}.rvw-write{width:100%}}
@media (max-width:480px){.rvw-grid{grid-template-columns:1fr}.rvw-cap .f2{grid-template-columns:1fr}}

/* ---- home body, On Mortgage layout with Alameda styling (Oct 22) ---- */
.band-soft{background:#f4f7fa}
.intro{max-width:760px;color:var(--muted)}
/* compare */
.cmp{background:#fff;border:1px solid var(--line);border-radius:6px;padding:20px;box-shadow:0 14px 34px -24px rgba(15,39,67,.4)}
.cmp-top{display:flex;align-items:center;justify-content:space-between;gap:14px;flex-wrap:wrap;margin-bottom:16px}
.cmp-seg{display:inline-flex;border:1px solid var(--line);border-radius:5px;overflow:hidden}
.cmp-seg button{border:0;background:#fff;padding:9px 20px;font:650 .95rem Archivo,sans-serif;color:var(--pri);cursor:pointer}
.cmp-seg button+button{border-left:1px solid var(--line)}
.cmp-seg button.on{background:var(--pri);color:#fff}
.cmp-scn{margin:0;font-size:.88rem;color:var(--muted);max-width:none}
.cmp-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:12px}
.cmp-grid[hidden]{display:none}
.cmp-col{position:relative;display:flex;flex-direction:column;border:1px solid var(--line);border-top:3px solid var(--pri);border-radius:5px;padding:16px}
.cmp-col.kind-credit{border-top-color:var(--or)}
.cmp-col p{margin:0;max-width:none}
.cmp-tag{position:absolute;top:-11px;right:12px;background:var(--or);color:#1d1e20;font-size:.72rem;font-weight:750;padding:2px 9px;border-radius:999px}
.cmp-kind{font-weight:720;color:var(--ink)}
.cmp-sub{font-size:.8rem;color:var(--muted);min-height:2.5em;margin-top:2px!important}
.cmp-rate{font-size:2.1rem;font-weight:760;color:var(--pri-ink);line-height:1.1;margin-top:8px!important}
.cmp-rate sup{font-size:.5em}
.cmp-apr{font-size:.85rem;color:var(--muted)}
.cmp-dl{margin:12px 0 14px;font-size:.86rem}
.cmp-dl div{display:flex;justify-content:space-between;gap:8px;padding:6px 0;border-top:1px solid var(--line)}
.cmp-dl dt{color:var(--muted)}.cmp-dl dd{margin:0;text-align:right}
.cmp-dl .cred{color:#17733f;font-weight:650}
.cmp-col .btn{margin-top:auto;text-align:center}
.cmp .fine{margin:14px 0 0}
/* promo + stats */
.promo{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.stats{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.stat{background:var(--pri-t);border-left:4px solid var(--or);border-radius:4px;padding:16px 18px}
.stat b{display:block;font-size:2rem;font-weight:780;font-stretch:110%;color:var(--pri);line-height:1.1}
.stat span{font-size:.88rem;color:var(--muted)}
/* programs */
.pgrid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:14px;margin-top:22px}
.prog-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:5px;padding:18px 20px;text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s}
.prog-card:hover{border-color:var(--pri);box-shadow:0 12px 28px -20px rgba(15,39,67,.5);color:var(--ink)}
.prog-card.pc-eq{border-top:3px solid var(--or)}
.prog-card .pg{font-size:.72rem;font-weight:750;letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.prog-card h3{margin:4px 0 6px;font-size:1.15rem}
.prog-card p{margin:0 0 10px;font-size:.93rem;color:#44474b}
.prog-card .go{margin-top:auto;font-weight:700;font-size:.9rem;color:var(--pri-ink)}
.prog-card .go::after{content:" \2192"}
/* spotlights */
.feat{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.feat+.feat{margin-top:56px}
.feat.flip>.feat-vis{order:2}
.feat-vis .vs{box-shadow:0 18px 40px -26px rgba(15,39,67,.5)}
ul.ticks{list-style:none;margin:0 0 18px;padding:0}
.ticks li{position:relative;padding:5px 0 5px 28px}
.ticks li::before{content:"";position:absolute;left:2px;top:12px;width:12px;height:7px;border-left:3px solid var(--or);border-bottom:3px solid var(--or);transform:rotate(-45deg)}
.feat-rates{background:var(--pri);color:#e3ecf6;border-radius:6px;padding:24px;box-shadow:inset 5px 0 0 var(--or)}
.fr-h{margin:0 0 12px;font-weight:700;color:#ffc58a;max-width:none}
.fr-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.fr-grid div{background:rgba(255,255,255,.07);border-radius:4px;padding:14px}
.fr-grid b{display:block;font-size:1.9rem;font-weight:780;color:#fff;line-height:1.1}
.fr-grid span{font-size:.85rem}
/* why */
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:22px}
.why{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:5px;padding:20px 22px}
.why h3{font-size:1.12rem}
.why p{margin:0;font-size:.95rem}
/* story */
.story{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:start}
.svc{display:flex;flex-wrap:wrap;gap:8px}
.svc a{padding:7px 13px;border:1px solid var(--line);border-radius:999px;background:#fff;font-weight:600;font-size:.9rem;text-decoration:none}
.svc a:hover{border-color:var(--pri)}
.story-steps{background:#fff;border:1px solid var(--line);border-radius:6px;padding:22px 24px}
ol.vsteps{list-style:none;counter-reset:v;margin:0;padding:0}
.vsteps li{counter-increment:v;position:relative;padding:0 0 16px 44px;font-size:.95rem}
.vsteps li::before{content:counter(v);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--pri);color:#fff;font-weight:750;display:flex;align-items:center;justify-content:center}
.vsteps li:not(:last-child)::after{content:"";position:absolute;left:14px;top:32px;bottom:2px;width:2px;background:var(--line)}
.vsteps b{display:block;color:var(--ink)}
/* refinance */
.rate-callout{display:flex;flex-wrap:wrap;align-items:center;gap:12px 26px;background:var(--pri-t);border-left:4px solid var(--or);border-radius:4px;padding:16px 18px;margin:16px 0 8px}
.rate-callout span{display:block;font-size:.8rem;color:var(--muted)}
.rate-callout b{font-size:1.5rem;color:var(--pri)}
.rate-callout .btn{margin-left:auto}
.refi-cols{display:grid;gap:14px}
.refi-col{border:1px solid var(--line);border-radius:5px;padding:16px 20px}
.refi-col h3{font-size:1.08rem;margin-bottom:6px}
.refi-col ul{margin:0;padding-left:20px}
@media (max-width:960px){.promo,.feat,.story{grid-template-columns:1fr;gap:28px}.feat.flip>.feat-vis{order:0}.pgrid{grid-template-columns:1fr 1fr}.why-grid{grid-template-columns:1fr}}
@media (max-width:600px){.pgrid,.stats,.fr-grid{grid-template-columns:1fr}.cmp{padding:14px}.cmp-seg{width:100%}.cmp-seg button{flex:1;padding:9px 8px}.rate-callout .btn{margin-left:0;width:100%;text-align:center}.feat-vis{overflow-x:auto}}
@media (max-width:600px){.cmp-grid{display:flex;overflow-x:auto;scroll-snap-type:x mandatory;gap:10px;padding:12px 2px 6px}.cmp-col{flex:0 0 82%;scroll-snap-align:start}.cmp-grid[hidden]{display:none}.rvw-tab{padding:7px 6px}.rvw-tab span{font-size:.86rem}}

/* ---- metro city pages (Oct 22) ---- */
.ph-stats{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px;margin-top:22px;max-width:900px}
.ph-stats div{background:#fff;border:1px solid var(--line);border-left:4px solid var(--or);border-radius:4px;padding:12px 14px}
.ph-stats b{display:block;font-size:1.45rem;font-weight:780;font-stretch:108%;color:var(--pri);line-height:1.15}
.ph-stats span{font-size:.82rem;color:var(--muted);line-height:1.3;display:block}
.ph-chips{display:flex;flex-wrap:wrap;gap:6px;margin-top:16px;max-width:900px}
.ph-chips span{padding:4px 11px;border-radius:999px;background:rgba(22,54,90,.08);color:var(--pri);font-size:.84rem;font-weight:600}
.m-tiles{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:18px 0}
.m-tiles div{background:var(--pri-t);border-radius:4px;padding:14px 16px}
.m-tiles span{display:block;font-size:.84rem;color:var(--muted)}
.m-tiles b{display:block;font-size:1.6rem;color:var(--pri);line-height:1.2}
.m-tiles small{display:block;font-size:.8rem;color:var(--muted);margin-top:2px}
.m-costs{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0 10px}
.m-costs div{border:1px solid var(--line);border-radius:4px;padding:14px 16px}
.m-costs .tot{background:var(--pri);border-color:var(--pri);color:#e3ecf6}
.m-costs span{display:block;font-size:.85rem}
.m-costs b{display:block;font-size:1.35rem;margin-top:2px}
.m-costs .tot b{color:#fff}
.m-table{margin:18px 0 8px;overflow-x:auto}
.m-table .vs{min-width:520px}
.m-cap{margin-top:6px}
.rt-card.on{box-shadow:inset 0 4px 0 var(--or)}
.dscr-calc{display:grid;grid-template-columns:1.2fr 1fr;gap:18px;background:#fff;border:1px solid var(--line);border-radius:6px;padding:18px;margin:18px 0}
.dscr-in{display:grid;grid-template-columns:1fr 1fr;gap:8px 12px}
.dscr-in label{font-size:.82rem;font-weight:600;color:var(--muted)}
.dscr-in input{display:block;width:100%;margin-top:3px;padding:8px 10px;border:1px solid #b9bec2;border-radius:3px;font:600 1rem Archivo,sans-serif}
.dscr-out{background:var(--pri);color:#e3ecf6;border-radius:5px;padding:16px 18px}
.dscr-big{margin:0 0 10px;max-width:none}
.dscr-big span{display:block;font-size:.85rem}.dscr-big b{display:block;font-size:2.4rem;color:#fff;line-height:1.1}.dscr-big em{font-style:normal;color:#ffc58a;font-weight:650;font-size:.9rem}
.dscr-out dl{margin:0}.dscr-out dl div{display:flex;justify-content:space-between;padding:5px 0;border-top:1px solid rgba(255,255,255,.15);font-size:.9rem}.dscr-out dd{margin:0;font-weight:700;color:#fff}
.dscr-calc>.fine{grid-column:1/-1;margin:0}
.m-rev-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:18px}
.m-rev-card{margin:0;background:#fff;border:1px solid var(--line);border-top:3px solid var(--or);border-radius:5px;padding:16px 18px}
.m-rev-card blockquote{margin:0}.m-rev-card p{font-size:.95rem;margin:0 0 8px}
.m-rev-card figcaption{font-weight:700;font-size:.9rem}
.m-rev-more{margin:16px 0 0}
.callout{background:var(--pri-t);border-left:4px solid var(--or);border-radius:4px;padding:14px 18px;margin:18px 0}
@media (max-width:820px){.ph-stats{grid-template-columns:1fr 1fr}.m-costs,.m-rev-grid{grid-template-columns:1fr}.dscr-calc{grid-template-columns:1fr}}
@media (max-width:480px){.m-tiles,.dscr-in{grid-template-columns:1fr}}

/* ---- areas hub (Oct 22) ---- */
.area-jump{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:28px}
.area-jump a{padding:7px 13px;border:1px solid var(--line);border-radius:999px;background:#fff;font-weight:600;font-size:.9rem;text-decoration:none}
.area-jump a:hover{border-color:var(--pri);background:var(--pri-t)}
.area-region{padding-top:10px;margin-bottom:40px;scroll-margin-top:90px}
.area-head{display:grid;grid-template-columns:minmax(220px,.5fr) 1fr;gap:24px;align-items:baseline;border-bottom:2px solid var(--or);padding-bottom:10px;margin-bottom:18px}
.area-head h2{margin:0}.area-head p{margin:0;color:var(--muted);max-width:none}
.area-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:14px}
.area-card{background:#fff;border:1px solid var(--line);border-radius:5px;padding:16px 18px}
.area-card.is-metro{border-top:3px solid var(--pri)}
.area-card h3{margin:0;font-size:1.15rem}.area-card h3 a{text-decoration:none;color:var(--ink)}.area-card h3 a:hover{color:var(--pri-ink)}
.area-county{margin:0 0 6px;font-size:.82rem;color:var(--muted);max-width:none}
.area-angle{margin:0 0 8px;font-size:.9rem;color:#3a3d41;max-width:none}
.area-limits{display:flex;gap:12px;flex-wrap:wrap;margin:0 0 8px;font-size:.8rem;color:var(--muted);max-width:none}
.area-limits b{color:var(--pri)}
.area-card ul{list-style:none;margin:0;padding:8px 0 0;border-top:1px solid var(--line);columns:2;column-gap:12px}
.area-card li{font-size:.88rem;padding:2px 0;break-inside:avoid}
@media (max-width:700px){.area-head{grid-template-columns:1fr;gap:4px}.area-card ul{columns:1}}

/* ---- rich content helpers (Oct 22) ---- */
.faq summary .faq-q{display:inline;font:inherit;margin:0;color:inherit;letter-spacing:0}
.m-facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:10px;margin:16px 0 8px}
.m-facts div{background:#fff;border:1px solid var(--line);border-top:3px solid var(--or);border-radius:4px;padding:12px 14px}
.m-facts b{display:block;font-size:1.5rem;color:var(--pri);line-height:1.15}
.m-facts span{font-size:.84rem;color:var(--muted)}
ol.m-steps{list-style:none;counter-reset:st;margin:14px 0;padding:0}
.m-steps li{counter-increment:st;position:relative;padding:0 0 14px 44px}
.m-steps li::before{content:counter(st);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--pri);color:#fff;font-weight:750;display:flex;align-items:center;justify-content:center}
.m-steps b{display:block}.m-steps span{display:block;color:#3a3d41;font-size:.96rem}
.prose h3{margin-top:1.3em}

/* Oct 2026: payment cards and refi math moved from the hero to their own section */
.fd-vslink{margin:4px 0 10px;font-size:.86rem;max-width:none}
.fd-vslink a{font-weight:600}
.vs-refi .vs-head{display:flex;justify-content:space-between;align-items:baseline;gap:16px;flex-wrap:wrap;margin-bottom:18px}
.vs-refi .vs-head p{margin:0;color:var(--muted)}
.vs-refi .vs-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}
.vs-refi h3{margin:0 0 10px;font-size:1.1rem}
.vs-refi .fd-math{margin-top:10px}
.vs-refi .fd-math .fd-cmp{margin-top:0}
.vs-refi .fd-sc-pay{font-size:1.45rem!important}
@media (max-width:860px){.vs-refi .vs-grid{grid-template-columns:1fr}}
.vs-refi .vs-note{margin:14px 0 4px;max-width:none}

/* Oct 2026: home "Where we lend" matched to the areas hub */
.home-areas .ha-head{display:flex;justify-content:space-between;align-items:flex-end;gap:24px;margin-bottom:22px}
.home-areas .ha-head .intro{margin-bottom:0}
.home-areas .ha-count{margin:0;text-align:right;color:var(--muted);font-size:.9rem;line-height:1.35;white-space:nowrap}
.home-areas .ha-count b{color:var(--pri-ink);font-size:1.5rem;font-weight:760}
.home-areas .ha-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.home-areas .ha-reg{border:1px solid var(--line);border-top:3px solid var(--or);border-radius:4px;padding:14px 14px 12px;background:#fff}
.home-areas .ha-reg h3{margin:0 0 10px;font-size:.98rem;line-height:1.25}
.home-areas .ha-reg h3 a{color:var(--ink);text-decoration:none}
.home-areas .ha-reg h3 a:hover{color:var(--pri-ink);text-decoration:underline}
.home-areas .ha-reg ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.home-areas .ha-reg li{margin:0}
.home-areas .ha-reg li a{display:inline-block;padding:4px 9px;border:1px solid var(--line);border-radius:999px;font-size:.86rem;color:var(--ink);text-decoration:none;background:var(--pri-t,#f3f6fa)}
.home-areas .ha-reg li a.is-metro{font-weight:650;border-color:var(--pri)}
.home-areas .ha-reg li a:hover{background:var(--pri);color:#fff;border-color:var(--pri)}
.home-areas .ha-foot{margin:20px 0 0;display:flex;align-items:center;gap:16px;flex-wrap:wrap;max-width:none}
.home-areas .ha-foot span{color:var(--muted);font-size:.92rem}
@media (max-width:1000px){.home-areas .ha-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.home-areas .ha-grid{grid-template-columns:1fr}.home-areas .ha-head{display:block}.home-areas .ha-count{text-align:left;margin-top:10px}}

/* Oct 2026: split page hero (hero + side card), used by bank-statement-heloc.php */
.ph-split .ph-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:start}
.ph-split .lead{max-width:none}
.ph-ticks{list-style:none;margin:18px 0 0;padding:0;display:grid;gap:8px}
.ph-ticks li{position:relative;padding-left:26px;font-size:1rem;color:#2c3035}
.ph-ticks li::before{content:"";position:absolute;left:2px;top:.35em;width:12px;height:7px;border-left:2.5px solid var(--or);border-bottom:2.5px solid var(--or);transform:rotate(-45deg)}
@media (max-width:960px){.ph-split .ph-grid{grid-template-columns:1fr;gap:28px}}
.bsq{background:#fff;border:1px solid var(--line);border-top:6px solid var(--pri-ink);border-radius:4px;padding:22px 22px 16px;box-shadow:0 18px 40px rgba(20,40,70,.12);scroll-margin-top:90px}
.bsq-top{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-bottom:12px}
.bsq-h{margin:0;font-size:1.3rem;font-weight:740;font-stretch:108%;color:var(--ink)}
.bsq-dots{list-style:none;margin:0;padding:0;display:flex;gap:6px}
.bsq-dots li{width:28px;height:5px;border-radius:3px;background:#dde3ea;font-size:0;overflow:hidden}
.bsq-dots li.on{background:var(--or)}
.bsq-lab{margin:0 0 6px;font-size:.86rem;font-weight:600;color:var(--muted)}
.bsq-seg{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-bottom:12px}
.bsq-seg button{font:inherit;font-size:.86rem;font-weight:600;padding:9px 6px;border:1px solid var(--line);border-radius:4px;background:#f6f8fb;color:var(--ink);cursor:pointer}
.bsq-seg button.on{background:var(--pri-ink);border-color:var(--pri-ink);color:#fff}
.bsq-in{display:grid;grid-template-columns:1fr 1fr;gap:10px 12px}
.bsq-in label{display:flex;flex-direction:column;gap:4px;font-size:.84rem;font-weight:600;color:var(--muted)}
.bsq-in .bsq-wide{grid-column:1/-1}
.bsq-in input,.bsq-in select{font:inherit;font-size:1.05rem;font-weight:600;color:var(--ink);padding:10px 12px;border:1px solid #c9d1db;border-radius:4px;background:#fff;width:100%;box-sizing:border-box}
.bsq-res{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:14px 0}
.bsq-res div{background:#eef7f1;border:1px solid #cfe6d7;border-radius:4px;padding:10px 12px}
.bsq-res span{display:block;font-size:.8rem;font-weight:600;color:var(--muted)}
.bsq-res b{display:block;font-size:1.45rem;font-weight:760;color:#17733f;font-variant-numeric:tabular-nums;line-height:1.2}
.bsq-res small{display:block;font-size:.74rem;color:var(--muted);line-height:1.3}
.bsq-go{width:100%;justify-content:center;text-align:center}
.bsq-trust{display:flex;flex-wrap:wrap;justify-content:center;gap:4px 14px;margin:10px 0 0;font-size:.8rem;color:var(--muted);max-width:none}
.bsq-trust span::before{content:"\2713\00a0";color:#17733f;font-weight:700}
.bsq-q{font-size:1.08rem;font-weight:700;margin:0 0 12px}
.bsq form .bsq-go{margin-top:12px}
.bsq-back{background:none;border:0;padding:6px 0;font:inherit;font-size:.86rem;color:var(--pri-ink);text-decoration:underline;cursor:pointer}
.bsq-fine{margin:12px 0 0;font-size:.72rem;color:var(--muted);line-height:1.4;max-width:none}
@media (max-width:420px){.bsq-seg{grid-template-columns:1fr}.bsq-res{grid-template-columns:1fr}}
.bs-tbl{margin:14px 0 18px;width:100%}
.bs-tbl caption{text-align:left;font-size:.84rem;color:var(--muted);padding-bottom:6px}
.bs-cta{display:flex;align-items:center;gap:18px;background:var(--pri-t,#eef3f9);border-left:4px solid var(--or);padding:16px 18px;border-radius:3px;margin:24px 0}
.bs-cta p{margin:0;max-width:none}
.bs-cta .btn{white-space:nowrap}
@media (max-width:600px){.bs-cta{display:block}.bs-cta .btn{margin-top:12px}}
.bs-steps{padding-left:1.2em}.bs-steps li{margin-bottom:8px}
.bs-aside-cta{background:var(--pri-ink);color:#fff;border-radius:4px;padding:18px 18px 14px;border-left:5px solid var(--or)}
.bs-aside-cta p{margin:0 0 10px;color:#dfe7f1}
.bs-aside-cta .bs-ac-h{font-size:1.1rem;font-weight:720;color:#fff}
.bs-aside-cta .btn{background:#fff;color:var(--pri-ink);width:100%;justify-content:center;text-align:center}
.bs-aside-cta .bs-ac-or{margin:10px 0 0;font-size:.86rem}.bs-aside-cta .bs-ac-or a{color:#fff}
@media (min-width:961px){.bank-aside-sticky{position:sticky;top:100px}}

/* Oct 2026: HELOC terms moved from the left column to above the finder, to even the hero columns */
.hero-right{grid-area:fd;align-self:start;min-width:0}
.hero-terms{margin-bottom:16px}
.hero-terms .terms{margin-top:0;grid-template-columns:repeat(3,1fr);width:100%}
.hero-terms .terms div{padding-right:12px}
.hero-terms .terms div+div{padding-left:16px}
.hero-terms .terms dd{font-size:1.32rem}
.hero-terms .fine{margin:8px 0 0;font-size:.78rem;line-height:1.45;max-width:none}
.bsq [hidden]{display:none!important}
.bsq-in label{display:block}
.bsq-in label input,.bsq-in label select{display:block;margin-top:4px}
.bsq-in label .opt{font-weight:400}
.bsq .fd-consent{font-size:.78rem;line-height:1.4;margin-top:10px;display:flex;gap:8px;align-items:flex-start}
@media (max-width:600px){.hero-terms .terms div{padding-right:8px}.hero-terms .terms div+div{padding-left:10px}.hero-terms .terms dd{font-size:1.12rem;white-space:nowrap}.hero-terms .terms small{font-size:.72rem}.hero-terms .terms dt{font-size:.76rem}}

/* Oct 22: hero tightened, reviews label dropped, HELOC options section */
.hero .rvb-l{display:none}
@media (min-width:961px){.hero{padding:30px 0 120px}.hero::after{height:250px}}
.heloc-types .ht-head{max-width:760px;margin-bottom:22px}
.heloc-types .ht-head p{color:var(--muted);margin:0}
.heloc-types .ht-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.heloc-types .ht-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-top:4px solid var(--pri-ink);border-radius:4px;padding:18px 18px 16px;text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s}
.heloc-types .ht-card:hover{border-top-color:var(--or);box-shadow:0 10px 26px rgba(20,40,70,.10)}
.heloc-types .ht-k{margin:0 0 4px;font-size:.78rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--or-ink,#b85600)}
.heloc-types .ht-card h3{margin:0 0 8px;font-size:1.15rem;color:var(--pri-ink)}
.heloc-types .ht-card p:not(.ht-k){margin:0 0 14px;font-size:.92rem;color:#3a3d41;max-width:none}
.heloc-types .ht-go{margin-top:auto;font-weight:650;font-size:.9rem;color:var(--pri-ink);text-decoration:underline}
.heloc-types .ht-go::after{content:" \2192"}
@media (max-width:1000px){.heloc-types .ht-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.heloc-types .ht-grid{grid-template-columns:1fr}}
/* Oct 22: stronger sky gradient in the home hero, cool at the top warming toward the sunset hills */
.hero{background:linear-gradient(180deg,#dfe9f4 0,#eef3f9 28%,#f8f8f6 55%,#fcf0e2 80%,#fde7cf 100%)}
.page-hero{background:linear-gradient(180deg,#e3ecf6 0,#f1f5fa 45%,#fbf3ea 85%,#fdebd8 100%)}

/* Oct 22: hero fine print moved into the finder; left column tightened */
.hero-terms{margin-bottom:14px}
.hero-terms .terms{padding-bottom:12px}
@media (min-width:961px){
  .hero .h1-kick{margin-bottom:6px}
  .hero h1{margin-bottom:.35em}
  .hero .lead{line-height:1.5;margin-bottom:.35em}
  .hero-mtg{margin:0}
  .hero-types{margin-top:16px}
}
.home-areas .ha-sub{margin:0 0 12px;font-size:1.05rem;color:var(--ink)}