/* Clean Lender — site styles */
:root{
  --ink:#201D1C; --ink-2:#55504D; --ink-3:#77716D;
  --ox:#901B1E; --ox-d:#6F1417; --ox-50:#F8EEEE; --ox-100:#EFD6D6;
  --conc:#EEF0F2; --conc-2:#E3E6EA; --line:#D6DADF; --white:#fff;
  --ok:#1F6B45;
  --r-sm:4px; --r:8px; --r-lg:14px;
  --f-head:"Archivo",system-ui,sans-serif; --f-body:"Source Sans 3",system-ui,sans-serif;
  --wrap:1180px;
}
*,*::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(--white);color:var(--ink);font:400 1.0625rem/1.62 var(--f-body);text-rendering:optimizeLegibility}
img,svg{display:block;max-width:100%}
a{color:var(--ox);text-underline-offset:.18em;text-decoration-thickness:1px}
a:hover{color:var(--ox-d)}
:focus-visible{outline:3px solid var(--ox);outline-offset:3px;border-radius:2px}
h1,h2,h3{font-family:var(--f-head);color:var(--ink);line-height:1.08;margin:0 0 .5em;font-weight:700;font-stretch:88%}
h1{font-size:clamp(2.3rem,5vw,3.9rem);letter-spacing:-.015em}
h2{font-size:clamp(1.6rem,2.8vw,2.3rem);letter-spacing:-.01em}
h3{font-size:1.2rem;font-stretch:95%;line-height:1.2}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.ic{width:1.15em;height:1.15em;flex:none}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:8px 14px;border-radius:var(--r-sm);z-index:50}
.skip:focus{left:12px}
.lead{font-size:1.2rem;color:var(--ink-2);max-width:62ch}
.fine{font-size:.9rem;color:var(--ink-3)}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:.5em;justify-content:center;background:var(--ox);color:#fff;font:700 1rem/1 var(--f-head);font-stretch:92%;
  letter-spacing:.01em;padding:1em 1.5em;border-radius:var(--r-sm);text-decoration:none;border:2px solid var(--ox);cursor:pointer;transition:background .15s,border-color .15s,color .15s}
.btn:hover{background:var(--ox-d);border-color:var(--ox-d);color:#fff}
.btn-sm{padding:.72em 1.1em;font-size:.95rem}
.btn-lg{padding:1.1em 1.9em;font-size:1.08rem}
.btn-ghost{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn-ghost:hover{background:var(--ink);color:#fff;border-color:var(--ink)}
.btn-light{background:#fff;border-color:#fff;color:var(--ink)}
.btn-light:hover{background:transparent;color:#fff;border-color:#fff}

/* top strip + header */
.top-strip{background:var(--ink);color:#E9E6E4;font-size:.86rem}
.top-strip .wrap{display:flex;justify-content:space-between;gap:16px;align-items:center;min-height:36px;flex-wrap:wrap}
.top-strip a{color:#fff;text-decoration:none}
.top-strip a:hover{text-decoration:underline}
.top-strip .ts-r{display:flex;gap:18px;align-items:center}
.site-head{background:#fff;position:relative;z-index:10;border-bottom:1px solid var(--line)}
.head-row{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:86px}
.brand img{height:62px;width:auto}
.site-nav{display:flex;align-items:center;gap:2px}
.site-nav a{color:var(--ink);text-decoration:none;font:600 1rem/1 var(--f-head);font-stretch:92%;padding:.75em .8em;border-radius:var(--r-sm)}
.site-nav a:not(.btn):hover{background:var(--conc)}
.site-nav a[aria-current="page"]{box-shadow:inset 0 -3px 0 var(--ox);border-radius:0}
.site-nav .lang{display:inline-flex;align-items:center;gap:.4em;color:var(--ink-2)}
.site-nav .btn{color:#fff;margin-left:8px}
.menu-btn{display:none;background:#fff;border:1.5px solid var(--line);border-radius:var(--r-sm);font:700 .95rem/1 var(--f-head);color:var(--ink);padding:.75em 1.1em;cursor:pointer}
@media (max-width:980px){
  .menu-btn{display:block}
  .site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:8px 20px 22px;gap:2px;border-bottom:1px solid var(--line)}
  .site-nav.open{display:flex}
  .site-nav a{padding:1em .8em}
  .site-nav a[aria-current="page"]{box-shadow:inset 3px 0 0 var(--ox)}
  .site-nav .btn{margin:10px 0 0}
  .brand img{height:48px}
  .top-strip .ts-l{display:none}
}

/* roofline divider — the logo's roof as a section edge */
.roof{display:block;width:100%;height:46px}
.roof-wrap{position:relative;line-height:0}

/* hero */
.hero{background:var(--conc);position:relative;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:88px;align-items:center;padding-top:56px;padding-bottom:110px}
.hero h1{max-width:13ch}
.hero .lead{margin-bottom:1.4em}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.hero-photo{border-radius:var(--r-lg);overflow:hidden;aspect-ratio:4/5;background:var(--conc-2)}
.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:center 35%}
.hero-side{position:relative}
.hero-side .mini-calc{position:absolute;left:-44px;bottom:-72px;width:min(330px,82%)}
@media (max-width:900px){
  .hero-grid{grid-template-columns:1fr;gap:28px;padding-top:36px;padding-bottom:44px}
  .hero-photo{aspect-ratio:4/3}
  .hero-side .mini-calc{position:relative;left:auto;bottom:auto;width:auto;margin:-60px 14px 0}
}

/* mini payment card in hero */
.mini-calc{background:#fff;border-radius:var(--r-lg);box-shadow:0 18px 40px -18px rgba(32,29,28,.45);padding:20px 20px 16px;border-top:5px solid var(--ox)}
.mini-calc h2{font-size:1.15rem;margin:0 0 12px;font-stretch:95%}
.mini-calc .mc-out{display:flex;align-items:baseline;gap:8px;margin:2px 0 10px}
.mini-calc .mc-out strong{font:800 2.4rem/1 var(--f-head);font-stretch:85%;color:var(--ox);font-variant-numeric:tabular-nums}
.mini-calc .mc-out span{color:var(--ink-2);font-size:.95rem}
.mini-calc .mc-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.mini-calc .fine{margin:10px 0 0;font-size:.8rem}

/* form fields (shared by calculators and forms) */
.fld{display:flex;flex-direction:column;gap:4px;min-width:0}
.fld>span,.fld>legend{font:600 .86rem/1.2 var(--f-head);font-stretch:95%;color:var(--ink-2)}
.fld input,.fld select,.fld textarea{font:400 1rem/1.3 var(--f-body);color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:var(--r-sm);padding:.62em .7em;width:100%}
.fld input:focus,.fld select:focus,.fld textarea:focus{outline:none;border-color:var(--ox);box-shadow:0 0 0 3px var(--ox-100)}
.fld .unit{position:relative;display:block}
.fld .unit input{padding-left:1.6em}
.fld .unit.pct input{padding-left:.7em;padding-right:1.8em}
.fld .unit::before{content:attr(data-u);position:absolute;left:.65em;top:50%;transform:translateY(-50%);color:var(--ink-3);pointer-events:none}
.fld .unit.pct::before{left:auto;right:.7em}
.fld.invalid input,.fld.invalid select,.fld.invalid textarea{border-color:var(--ox)}
.fld small{color:var(--ink-3);font-size:.8rem}
fieldset{border:0;padding:0;margin:0;min-width:0}

/* sections */
.sec{padding:72px 0}
.sec-alt{background:var(--conc)}
.sec-dark{background:var(--ink);color:#EDEAE8}
.sec-dark h2,.sec-dark h3{color:#fff}
.sec-head{max-width:720px;margin-bottom:34px}
.sec-head p{color:var(--ink-2);font-size:1.1rem}
.sec-dark .sec-head p{color:#D6D1CE}

/* paths (buy / refinance / calculators / learn) */
.paths{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border:1px solid var(--line);border-radius:var(--r-lg);overflow:hidden;background:#fff}
.path{padding:28px 24px 26px;border-right:1px solid var(--line);display:flex;flex-direction:column}
.path:last-child{border-right:0}
.path .p-ic{width:46px;height:46px;border-radius:var(--r);display:grid;place-items:center;background:var(--ox-50);color:var(--ox);margin-bottom:16px}
.path .p-ic .ic{width:24px;height:24px}
.path p{color:var(--ink-2);flex:1}
.path a.more{font:700 1rem/1 var(--f-head);font-stretch:92%;text-decoration:none}
.path a.more:hover{text-decoration:underline}
@media (max-width:980px){.paths{grid-template-columns:1fr 1fr}.path:nth-child(2){border-right:0}.path:nth-child(-n+2){border-bottom:1px solid var(--line)}}
@media (max-width:560px){.paths{grid-template-columns:1fr}.path{border-right:0;border-bottom:1px solid var(--line)}.path:last-child{border-bottom:0}}

/* CPA difference */
.diff{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:start}
.diff-list{list-style:none;margin:0;padding:0;display:grid;gap:22px}
.diff-list li{display:grid;grid-template-columns:38px 1fr;gap:14px}
.diff-list .d-ic{width:38px;height:38px;border-radius:50%;border:1.5px solid rgba(255,255,255,.35);display:grid;place-items:center;color:#fff}
.diff-list h3{margin:0 0 .25em}
.diff-list p{margin:0;color:#D6D1CE}
@media (max-width:900px){.diff{grid-template-columns:1fr;gap:28px}}

/* steps — real sequence */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:18px;counter-reset:s}
.steps li{counter-increment:s;border-top:3px solid var(--ink);padding-top:14px}
.steps li::before{content:counter(s);display:block;font:800 1.9rem/1 var(--f-head);font-stretch:85%;color:var(--ox);margin-bottom:8px}
.steps h3{font-size:1.08rem;margin-bottom:.35em}
.steps p{color:var(--ink-2);font-size:.98rem;margin:0}
@media (max-width:980px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:560px){.steps{grid-template-columns:1fr}}

/* licence band */
.lic-band{display:flex;flex-wrap:wrap;gap:10px 28px;align-items:center;font-size:.95rem;color:var(--ink-2)}
.lic-band strong{color:var(--ink);font-family:var(--f-head);font-stretch:95%}

/* CTA band */
.cta-band{background:var(--ox);color:#fff}
.cta-row{display:flex;justify-content:space-between;align-items:center;gap:28px;padding:44px 20px}
.cta-row h2{color:#fff;margin-bottom:.25em}
.cta-row p{margin:0;color:#F3DEDE;max-width:60ch}
.cta-actions{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.cta-or{color:#F3DEDE}
.cta-or a{color:#fff;font-weight:700}
@media (max-width:820px){.cta-row{flex-direction:column;align-items:flex-start}}

/* page hero */
.page-hero{background:var(--conc);padding:34px 0 44px}
.page-hero h1{font-size:clamp(2rem,4.2vw,3.2rem);max-width:20ch}
.crumbs{font-size:.9rem;color:var(--ink-3);margin-bottom:18px;display:flex;gap:8px;flex-wrap:wrap}
.crumbs a{color:var(--ink-2);text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.ph-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.page-photo{border-radius:var(--r-lg);overflow:hidden;aspect-ratio:3/2;margin:0;background:var(--conc-2)}
.page-photo img{width:100%;height:100%;object-fit:cover}
@media (max-width:860px){.ph-grid{grid-template-columns:1fr;gap:22px}}

/* article layout */
.art{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:56px;padding:52px 20px 64px}
.art-body{max-width:72ch}
.art-body h2{margin-top:1.4em}
.art-body h2:first-child{margin-top:0}
.art-body ul,.art-body ol{padding-left:1.25em}
.art-body li{margin-bottom:.45em}
.side{position:sticky;top:20px;align-self:start;display:grid;gap:16px}
.side-box{border:1px solid var(--line);border-radius:var(--r-lg);padding:20px}
.side-box h2{font-size:1.15rem}
.side-box ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.side-box.dark{background:var(--ink);color:#EDEAE8;border-color:var(--ink)}
.side-box.dark h2{color:#fff}
.side-box.dark a:not(.btn){color:#fff}
@media (max-width:900px){.art{grid-template-columns:1fr;gap:30px}.side{position:static}}

/* tables */
.tbl{width:100%;border-collapse:collapse;font-size:.98rem;margin:0 0 1.4em}
.tbl th,.tbl td{text-align:left;padding:.65em .75em;border-bottom:1px solid var(--line);vertical-align:top}
.tbl th{font:700 .9rem/1.2 var(--f-head);font-stretch:95%;color:var(--ink-2);background:var(--conc)}
.tbl td.num,.tbl th.num{text-align:right;font-variant-numeric:tabular-nums}
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}

/* calculators */
.calc-nav{display:flex;flex-wrap:wrap;gap:8px;margin:0 0 26px;padding:0;list-style:none}
.calc-nav a{display:inline-block;border:1.5px solid var(--line);border-radius:var(--r-sm);padding:.55em .85em;text-decoration:none;color:var(--ink);font:600 .93rem/1.1 var(--f-head);font-stretch:92%}
.calc-nav a:hover{border-color:var(--ink)}
.calc{border:1px solid var(--line);border-radius:var(--r-lg);margin:0 0 36px;background:#fff;scroll-margin-top:16px}
.calc-head{padding:22px 24px 0}
.calc-head h2{font-size:1.5rem;margin-bottom:.2em}
.calc-head p{color:var(--ink-2);margin:0}
.calc-body{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,.9fr);gap:0;margin-top:18px;border-top:1px solid var(--line)}
.calc-in{padding:22px 24px;display:grid;grid-template-columns:1fr 1fr;gap:14px 16px;align-content:start}
.calc-in .fld.wide{grid-column:1/-1}
.calc-out{padding:22px 24px;background:var(--conc);border-left:1px solid var(--line);border-radius:0 0 var(--r-lg) 0}
.res-main{margin:0 0 14px}
.res-main span{display:block;font:600 .9rem/1.2 var(--f-head);font-stretch:95%;color:var(--ink-2)}
.res-main strong{display:block;font:800 2.6rem/1.05 var(--f-head);font-stretch:85%;color:var(--ox);font-variant-numeric:tabular-nums}
.res-list{margin:0;padding:0;list-style:none;display:grid;gap:6px;font-variant-numeric:tabular-nums}
.res-list li{display:flex;justify-content:space-between;gap:12px;border-bottom:1px dashed var(--line);padding-bottom:6px}
.res-list li b{font-weight:700}
.res-note{margin:14px 0 0;font-size:.92rem;color:var(--ink-2)}
.bar{display:flex;height:14px;border-radius:3px;overflow:hidden;margin:6px 0 12px;background:var(--conc-2)}
.bar i{display:block;height:100%}
.legend{display:flex;flex-wrap:wrap;gap:6px 14px;font-size:.85rem;color:var(--ink-2);margin:0 0 12px}
.legend i{display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:5px;vertical-align:-1px}
.calc .amort{padding:0 24px 22px}
.calc .amort .tbl-wrap{max-height:340px;overflow:auto;border:1px solid var(--line);border-radius:var(--r)}
.calc .amort .tbl{margin:0}
.calc .amort th{position:sticky;top:0}
@media (max-width:820px){.calc-body{grid-template-columns:1fr}.calc-out{border-left:0;border-top:1px solid var(--line);border-radius:0 0 var(--r-lg) var(--r-lg)}}
@media (max-width:460px){.calc-in{grid-template-columns:1fr}}
.calc-disc{border-left:3px solid var(--ox);padding:4px 0 4px 14px;color:var(--ink-2);font-size:.95rem;max-width:80ch}

/* learn index */
.learn-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.learn-col h2{font-size:1.25rem;border-bottom:3px solid var(--ink);padding-bottom:10px}
.learn-col ul{list-style:none;padding:0;margin:0;display:grid;gap:2px}
.learn-col li a{display:block;padding:.6em 0;border-bottom:1px solid var(--line);text-decoration:none;color:var(--ink);font-weight:600}
.learn-col li a:hover{color:var(--ox)}
.learn-col li span{display:block;font-weight:400;color:var(--ink-3);font-size:.92rem}
@media (max-width:900px){.learn-grid{grid-template-columns:1fr}}

/* glossary */
.gloss dt{font:700 1.08rem/1.3 var(--f-head);font-stretch:95%;margin-top:1.1em}
.gloss dt i{font-style:normal;font-weight:500;color:var(--ox)}
.gloss dd{margin:.3em 0 0;color:var(--ink-2)}

/* faq */
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;font:700 1.08rem/1.35 var(--f-head);font-stretch:95%;padding:14px 28px 14px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:10px;font-size:1.5rem;color:var(--ox)}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--ink-2)}

/* forms */
.form-card{border:1px solid var(--line);border-radius:var(--r-lg);padding:26px;background:#fff}
.f-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px}
.f-grid .wide{grid-column:1/-1}
@media (max-width:600px){.f-grid{grid-template-columns:1fr}}
.pills{display:flex;flex-wrap:wrap;gap:8px}
.pill{position:relative}
.pill input{position:absolute;opacity:0;inset:0;cursor:pointer}
.pill span{display:inline-block;border:1.5px solid var(--line);border-radius:var(--r-sm);padding:.6em .9em;font:600 .95rem/1.1 var(--f-head);font-stretch:92%;cursor:pointer;background:#fff}
.pill input:checked+span{background:var(--ink);border-color:var(--ink);color:#fff}
.pill input:focus-visible+span{outline:3px solid var(--ox);outline-offset:2px}
.consent{display:grid;grid-template-columns:22px 1fr;gap:10px;align-items:start;font-size:.93rem;color:var(--ink-2);margin:16px 0}
.consent input{width:20px;height:20px;margin-top:2px;accent-color:var(--ox)}
.consent.invalid span{color:var(--ox)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-err{color:var(--ox);font-weight:600}
.form-ok{border:1px solid var(--line);border-radius:var(--r-lg);padding:30px;text-align:left}
.form-ok .ok-ic{width:46px;height:46px;border-radius:50%;background:var(--ok);color:#fff;display:grid;place-items:center;margin-bottom:12px}
[hidden]{display:none!important}
.steps-bar{display:flex;gap:6px;margin:0 0 22px;list-style:none;padding:0}
.steps-bar li{flex:1;height:5px;border-radius:3px;background:var(--conc-2)}
.steps-bar li.on{background:var(--ox)}
.step-h{font:700 .9rem/1.2 var(--f-head);font-stretch:95%;color:var(--ink-3);margin:0 0 4px}
.form-nav{display:flex;justify-content:space-between;gap:12px;margin-top:20px}
.secure-note{display:flex;gap:10px;align-items:flex-start;background:var(--conc);border-radius:var(--r);padding:12px 14px;font-size:.93rem;color:var(--ink-2);margin:0 0 20px}
.secure-note .ic{color:var(--ink);margin-top:2px}

/* contact cards */
.c-list{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.c-list li{display:grid;grid-template-columns:28px 1fr;gap:10px}
.c-list .ic{color:var(--ox);width:22px;height:22px;margin-top:3px}
.c-list b{display:block;font-family:var(--f-head);font-stretch:95%}

/* notice box (Texas consumer complaint) */
.notice{border:2px solid var(--ink);border-radius:var(--r);padding:18px 20px;font-size:.95rem;text-transform:none}
.notice p{margin:0}

/* footer */
.site-foot{background:var(--ink);color:#D9D4D1;font-size:.95rem;padding:54px 0 0;position:relative}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:32px}
.foot-grid h2{color:#fff;font-size:1rem;letter-spacing:.02em;margin-bottom:12px;font-stretch:95%}
.foot-grid ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.site-foot a{color:#fff;text-decoration:none}
.site-foot a:hover{text-decoration:underline}
.foot-brand img{height:64px;width:auto;margin-bottom:14px}
.foot-brand p{color:#BFB8B4;font-size:.9rem;max-width:34ch}
.foot-contact li{display:grid;grid-template-columns:22px 1fr;gap:8px;align-items:start}
.foot-contact .ic{margin-top:3px;color:#E4B7B8}
.foot-legal{border-top:1px solid #3A3533;margin-top:40px;padding:22px 20px 30px;font-size:.84rem;color:#B5AEAA;display:grid;gap:10px}
.foot-legal p{margin:0;max-width:110ch}
.eho{display:flex;gap:12px;align-items:center}
.eho svg{width:34px;height:34px;flex:none;color:#fff}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}

/* misc */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:40px}
@media (max-width:820px){.two-col{grid-template-columns:1fr;gap:24px}}
.check-list{list-style:none;padding:0;margin:0 0 1em;display:grid;gap:10px}
.check-list li{display:grid;grid-template-columns:22px 1fr;gap:10px}
.check-list .ic{color:var(--ox);margin-top:3px}
.callout{background:var(--ox-50);border-left:4px solid var(--ox);padding:14px 18px;border-radius:0 var(--r) var(--r) 0;margin:1.2em 0}
.callout p:last-child{margin:0}

.side-box a[aria-current="page"]{font-weight:700;color:var(--ink);text-decoration:none}
.side-box a[aria-current="page"]::before{content:"";display:inline-block;width:8px;height:2px;background:var(--ox);margin-right:6px;vertical-align:middle}
.side-box ul a{text-decoration:none}
.side-box ul a:hover{text-decoration:underline}