@font-face {
  font-family: 'Inter';
  src: url('../fonts/inter-latin-variable.woff2') format('woff2');
  font-weight: 400 800;
  font-style: normal;
  font-display: swap;
}

:root {
  --ink: #1f2526;
  --muted: #657174;
  --cream: #fbf7ef;
  --footer-bg: #1d3152;
  --paper: #ffffff;
  --mist: #e8f0ee;
  --teal: #477f80;
  --teal-dark: #2e6264;
  --coral: #607f82;
  --line: #d9e1de;
  --shadow: 0 18px 50px rgba(17, 32, 32, .12);
  --radius: 8px;
}

* { box-sizing: border-box; }
html {
  scroll-behavior: smooth;
  scrollbar-gutter: stable;
  scroll-padding-top: 96px;
}
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: 'Inter', Arial, Helvetica, sans-serif;
  line-height: 1.6;
}

img { max-width: 100%; display: block; }
a { color: inherit; }

.skip-link {
  position: absolute;
  top: -999px;
  left: 0;
  z-index: 99999;
  padding: 8px 16px;
  background: #14264b;
  color: #fff;
  text-decoration: none;
  border-radius: 0 0 8px 0;
  font-weight: 700;
  transition: top .1s;
}
.skip-link:focus { top: 0; }

.site-header {
  position: sticky;
  top: 0;
  left: 0;
  right: 0;
  z-index: 20;
  display: flex;
  align-items: center;
  gap: 12px;
  min-height: 72px;
  padding: 0 clamp(20px, 4vw, 60px);
  background: var(--footer-bg);
  box-shadow: 0 1px 0 rgba(0, 0, 0, .2);
  color: white;
  font-family: Arial, Helvetica, sans-serif;
}

.brand {
  flex: 0 0 min(116px, 38vw);
  width: min(116px, 38vw);
  height: 72px;
  display: flex;
  align-items: center;
  padding: 8px 0;
}
.brand img {
  width: 116px;
  max-width: 38vw;
  height: 56px;
  object-fit: contain;
  filter: brightness(1.5);
}
.site-nav { flex: 1; display: flex; align-items: center; justify-content: center; gap: 20px; font-weight: 400; font-size: .82rem; }
.site-nav a { text-decoration: none; white-space: nowrap; color: #fff; }
.site-nav a:hover { color: rgba(255,255,255,.55); }
.site-nav a.active,
.site-nav a[aria-current="page"] {
  color: rgba(255,255,255,.68);
  text-decoration: underline;
  text-underline-offset: 5px;
  text-decoration-thickness: 1.5px;
}
.header-socials {
  display: inline-flex;
  align-items: center;
  gap: 16px;
  margin-left: 10px;
}
.header-socials a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 18px;
  height: 18px;
  min-width: 44px;
  min-height: 44px;
  margin: -13px;
  color: rgba(255,255,255,.7);
}
.header-socials svg {
  width: 18px;
  height: 18px;
  fill: currentColor;
}
.nav-button {
  flex-shrink: 0;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 44px;
  padding: 9px 18px;
  background: #fff;
  color: var(--footer-bg);
  border: 1.5px solid #fff;
  border-radius: var(--radius);
  text-decoration: none;
  font-weight: 700;
  font-size: .8rem;
  letter-spacing: .02em;
  white-space: nowrap;
  line-height: 1;
  transition: background .2s ease, border-color .2s ease, color .2s ease;
}
.nav-button:hover {
  background: rgba(255,255,255,.88);
  border-color: rgba(255,255,255,.88);
  color: var(--footer-bg);
}

.menu-toggle {
  display: none;
  width: 44px;
  height: 44px;
  border: 1px solid rgba(255,255,255,.3);
  background: transparent;
  border-radius: var(--radius);
}
.menu-toggle span {
  display: block;
  width: 20px;
  height: 2px;
  margin: 4px auto;
  background: #fff;
}

.hero {
  position: relative;
  min-height: max(480px, calc(100vh - 195px));
  display: grid;
  align-items: center;
  overflow: hidden;
  color: white;
}
.index-page .hero {
  min-height: max(480px, calc(100vh - 195px));
}
.hero-poster,
.hero-poster img,
.hero-video,
.hero-overlay {
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
}
.hero-poster img {
  object-fit: cover;
}
.hero-video {
  object-fit: cover;
  opacity: 0;
  transition: opacity .35s ease;
}
.hero-video.is-ready {
  opacity: 1;
}
.hero-overlay {
  background:
    linear-gradient(180deg, rgba(8, 27, 29, .56), rgba(8, 27, 29, .26) 44%, rgba(8, 27, 29, .64)),
    rgba(8, 27, 29, .12);
}
.hero-content {
  position: relative;
  width: min(980px, calc(100% - 40px));
  margin: 0 auto;
  padding: clamp(40px, 6vw, 80px) 0 clamp(40px, 5vw, 70px);
  text-align: center;
}
h1, h2, h3 {
  margin: 0;
  line-height: 1.08;
}
h1, h2 { font-family: 'Inter', Arial, Helvetica, sans-serif; font-weight: 400; }
.hero h1 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.6rem, 3.6vw, 4.2rem);
  line-height: 1.1;
  font-weight: 400;
  text-shadow: 0 2px 9px rgba(0, 0, 0, .22);
}
h1 { font-size: clamp(2.2rem, 5vw, 4.4rem); }
h2 { font-size: clamp(1.7rem, 2.4vw, 2.6rem); }
h3 { font-size: 1.25rem; }
p { margin: 0; }
.hero p:not(.eyebrow) {
  margin: 20px auto 0;
  max-width: 780px;
  font-size: clamp(1.05rem, 1.4vw, 1.45rem);
  line-height: 1.45;
  text-shadow: 0 2px 7px rgba(0, 0, 0, .22);
}

.eyebrow {
  margin-bottom: 14px;
  color: var(--coral);
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  font-size: .78rem;
}
.hero .eyebrow { color: #f4c7b6; }

.hero-actions, .section .button { margin-top: 30px; }
.hero-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: 16px; }
.button {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  min-height: 54px;
  padding: 15px 30px;
  border-radius: 999px;
  border: 2px solid transparent;
  text-decoration: none;
  font-weight: 400;
  letter-spacing: .01em;
  cursor: pointer;
}
.button.primary { background: var(--teal); color: white; }
.hero .button.primary { background: rgba(255, 255, 255, .94); color: var(--teal-dark); }
.hero .button {
  min-height: 50px;
  min-width: 220px;
  padding: 14px 22px;
  border-radius: 8px;
  color: #111;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.hero .button.primary {
  color: #000;
}
.hero .button.secondary {
  background: rgba(255, 255, 255, .94);
  border-color: rgba(255, 255, 255, .94);
  color: #000;
  margin-left: 0;
  margin-top: 0;
}
.button.primary:hover { background: var(--teal-dark); color: white; }
.hero .button.primary:hover {
  background: rgba(255, 255, 255, .82);
  border-color: rgba(255, 255, 255, .82);
  color: #000;
}
.hero .button.secondary:hover {
  background: rgba(255, 255, 255, .82);
  border-color: rgba(255, 255, 255, .82);
  color: #000;
}
.button.secondary { border-color: rgba(255, 255, 255, .9); color: white; margin-left: 10px; }
.button.light { background: white; color: var(--teal-dark); }
.button.outline-light { border-color: rgba(255, 255, 255, .82); color: white; margin-left: 10px; }
.button:focus-visible,
.nav-button:focus-visible,
.site-nav a:focus-visible,
.skip-link:focus-visible {
  outline: 2px solid var(--teal);
  outline-offset: 3px;
}
.button.dark-navy {
  background: #14264b;
  border-color: #14264b;
  border-radius: 8px;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
  color: white;
  transition: background .2s ease, box-shadow .2s ease;
}
.button.dark-navy:hover {
  background: #0e1c38;
  border-color: #0e1c38;
  color: white;
  box-shadow: 0 8px 18px rgba(20, 38, 75, .25);
}

.section {
  padding: 36px clamp(20px, 4vw, 60px);
}
.section-heading {
  width: min(780px, 100%);
  margin-bottom: 36px;
}
.section-heading.centered {
  margin-left: auto;
  margin-right: auto;
  text-align: center;
}

.intro-grid, .loan-grid, .tip-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 20px;
  width: min(1160px, 100%);
  margin: 0 auto;
}
.intro-grid article, .loan-grid article, .tip-grid article, .steps article {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: var(--paper);
  padding: 0;
  overflow: hidden;
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}
.intro-grid article { padding: 28px; }
.intro-grid article:hover,
.loan-grid article:hover,
.tip-grid article:hover {
  transform: translateY(-8px);
  border-color: rgba(71, 127, 128, .45);
  box-shadow: 0 20px 44px rgba(21, 42, 80, .14);
}
.intro-grid span {
  display: block;
  color: var(--teal);
  font-weight: 800;
  margin-bottom: 20px;
}
.intro-grid h3, .loan-grid h3, .tip-grid h3, .steps h3 { margin-bottom: 12px; }
.intro-grid p, .loan-grid p, .tip-grid p, .steps p, .about-copy p { color: var(--muted); }
.steps img,
.loan-grid img,
.tip-grid img {
  width: 100%;
  aspect-ratio: 3 / 2;
  object-fit: cover;
}
.steps picture,
.loan-grid picture,
.tip-grid picture,
.portrait picture {
  display: block;
}
.steps h3,
.steps p,
.loan-grid h3,
.loan-grid p {
  margin-left: 22px;
  margin-right: 22px;
}
.steps h3,
.loan-grid h3 { margin-top: 22px; }
.steps h3,
.loan-grid h3,
.tip-grid h3,
.intro-grid h3 {
  text-align: center;
}
.steps p,
.loan-grid p { margin-bottom: 24px; }

.card-link {
  display: block;
  text-decoration: none;
  color: inherit;
  height: 100%;
}

.band { background: var(--cream); }
.steps {
  display: grid;
  grid-template-columns: repeat(5, minmax(170px, 1fr));
  gap: 18px;
}

.about {
  display: grid;
  grid-template-columns: minmax(280px, 480px) minmax(300px, 620px);
  gap: clamp(36px, 6vw, 90px);
  align-items: stretch;
  justify-content: center;
}
.portrait img {
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.about-copy { display: flex; flex-direction: column; }
.about-copy p { margin-top: 18px; font-size: 1.06rem; }
.about-copy .button { margin-top: auto; }

.section-break {
  width: min(1160px, calc(100% - 40px));
  height: 1px;
  margin: 0 auto;
  background: linear-gradient(90deg, transparent, rgba(71, 127, 128, .42), transparent);
}

.loan-grid { grid-template-columns: repeat(4, 1fr); }
.loan-grid article { background: linear-gradient(180deg, #ffffff, #f8fbfa); }
.section-title-small {
  font-family: Arial, Helvetica, sans-serif;
  font-size: clamp(1.8rem, 3vw, 3rem);
  color: var(--ink);
}
.section-title-small.left {
  margin-top: 10px;
  font-family: Arial, Helvetica, sans-serif;
  font-size: 1rem;
  font-weight: 800;
}

.cta-band {
  position: relative;
  display: grid;
  align-items: center;
  min-height: 675px;
  padding: 0 clamp(20px, 4vw, 60px);
  background:
    linear-gradient(rgba(24, 24, 24, .58), rgba(24, 24, 24, .58)),
    image-set(
      url("../images/index/loan-refinance-desktop.webp?v=20260529c") type("image/webp"),
      url("../images/index/loan-refinance-desktop.jpg?v=20260529c") type("image/jpeg")
    ) center/cover fixed;
  color: white;
  text-align: center;
}
.image-panel-content {
  width: min(1040px, 100%);
  margin: -34px auto 0;
}
.cta-band h2 {
  width: min(1040px, 100%);
  margin: 0 auto;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.3rem, 3.05vw, 3.35rem);
  line-height: 1.42;
  text-shadow: 0 2px 10px rgba(0, 0, 0, .35);
}
.cta-actions { display: flex; justify-content: center; flex-wrap: wrap; gap: 12px; }
.cta-actions { margin-top: 44px; }
.cta-actions .button {
  min-height: 52px;
  padding: 16px 28px;
  border-radius: 8px;
  background: #14264b;
  color: #fff;
  border-color: #14264b;
  font-weight: 800;
  text-transform: uppercase;
  font-size: clamp(.88rem, 1vw, .98rem);
  letter-spacing: .04em;
  line-height: 1;
}
.cta-actions .button:hover {
  background: #0e1c38;
  border-color: #0e1c38;
  color: white;
  box-shadow: 0 8px 18px rgba(20, 38, 75, .25);
  opacity: 1;
}

.tips { background: var(--mist); }
.tip-grid article { container-type: inline-size; }
.tip-grid .card-link {
  display: flex;
  flex-direction: column;
}
.tip-grid img {
  width: 100%;
  height: 62.5cqw;
  aspect-ratio: 16 / 10;
  object-fit: cover;
}
.tip-grid h3, .tip-grid p { padding-left: 24px; padding-right: 24px; }
.tip-grid h3 { padding-top: 24px; }
.tip-grid p { padding-bottom: 28px; }

.contact-hero {
  background: #f7f5f1;
  padding: clamp(24px, 3vw, 40px) clamp(24px, 4vw, 72px);
}
.contact-panel {
  width: min(620px, 100%);
  margin: 0 auto;
}
.contact-copy {
  padding-top: 0;
}
.contact-copy h2 {
  margin-bottom: 6px;
  color: #1d3152;
  font-family: Georgia, 'Times New Roman', serif;
  font-size: clamp(1.6rem, 2.2vw, 2.2rem);
  font-weight: 400;
  line-height: 1.15;
  text-align: center;
}
.contact-tagline {
  color: #4a5e6e;
  font-size: clamp(.88rem, 1vw, 1rem);
  line-height: 1.55;
  text-align: center;
  margin-bottom: 16px !important;
}
.contact-info-bar {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 6px 24px;
  margin-bottom: 14px;
  padding-bottom: 14px;
  border-bottom: 1px solid rgba(29, 49, 82, .12);
}
.contact-info-item {
  display: flex;
  align-items: center;
  gap: 7px;
  color: #1d3152;
  font-weight: 600;
  font-size: clamp(.9rem, 1vw, 1rem);
  text-decoration: none;
}
.contact-info-item svg {
  fill: #477f80;
  flex-shrink: 0;
}
.contact-info-item:hover { color: #477f80; }
.contact-copy a { color: #162a50; font-weight: 400; text-decoration: none; }
.small { font-size: .95rem; }
.contact-form {
  display: grid;
  gap: 6px;
  width: min(800px, 100%);
  margin-top: 10px;
  padding: 0;
  border: 0;
  border-radius: 0;
  box-shadow: none;
  background: transparent;
}
.form-status {
  padding: 12px 14px;
  border-radius: var(--radius);
  font-weight: 800;
}
.form-status-success { background: #e2f4ec; color: #15533e; }
.form-status-error { background: #fae5df; color: #7c2d1b; }
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 10px;
}
fieldset {
  margin: 0;
  padding: 0;
  border: 0;
}
legend,
label {
  color: #162a50;
  font-size: .88rem;
  font-weight: 400;
}
legend {
  margin-bottom: 5px;
}
label { display: grid; gap: 4px; }
label span,
legend em,
label em {
  font-size: .75rem;
  color: #657083;
  font-style: normal;
}
input, textarea {
  width: 100%;
  border: 1.5px solid #7e8fa3;
  border-radius: 8px;
  padding: 9px 14px;
  font: inherit;
  font-size: .9rem;
  background: #fff;
  color: #162a50;
  transition: border-color .18s ease, box-shadow .18s ease;
}
input:focus, textarea:focus {
  outline: none;
  border-color: #477f80;
  box-shadow: 0 0 0 3px rgba(71,127,128,.14);
}
textarea {
  min-height: 60px;
  resize: vertical;
  border-radius: 8px;
}
.checkbox {
  grid-template-columns: 20px 1fr;
  align-items: start;
  gap: 8px;
  font-weight: 400;
  color: #162a50;
  font-size: .8rem;
}
.checkbox input {
  width: 18px;
  height: 18px;
  margin-top: 2px;
  padding: 0;
  border-radius: 4px;
  appearance: none;
  background: transparent;
}
.checkbox input:checked {
  background: #162a50;
  box-shadow: inset 0 0 0 3px rgba(255, 255, 255, .8);
}
.signup {
  margin-top: -8px;
}
.consent-fields {
  margin-top: 2px;
}
.consent-fields legend {
  margin-bottom: 8px;
}
.consent-fields .checkbox span {
  line-height: 1.25;
}
.contact-form .button {
  justify-self: start;
  min-height: 48px;
  padding: 13px 20px;
  border-radius: 8px;
  background: #162a50;
  color: white;
  font-weight: 700;
  text-transform: uppercase;
  font-size: .88rem;
}
.contact-privacy {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
  color: #162a50;
  font-size: .85rem;
}
.hp { display: none; }

.site-footer {
  padding: clamp(56px, 6vw, 88px) clamp(36px, 4vw, 68px) 60px;
  background: var(--footer-bg);
  color: #fff;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1fr 1.2fr .75fr;
  column-gap: clamp(38px, 8vw, 150px);
  row-gap: 18px;
  align-items: start;
  width: min(1760px, 100%);
  margin: 0 auto 30px;
}
.footer-brand-block {
  text-align: left;
}
.footer-brand-block h2,
.site-footer h2 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.15rem, 3vw, 2.75rem);
  font-weight: 400;
  line-height: 1.15;
  margin-bottom: 8px;
}
.footer-powered {
  font-size: clamp(1.35rem, 1.7vw, 1.75rem);
  margin-bottom: 36px;
}
.footer-badge {
  width: 210px;
  margin: 0 0 30px;
  opacity: .78;
}
.footer-compliance {
  font-size: clamp(1rem, 1.25vw, 1.32rem);
  line-height: 1.2;
}
.footer-connect {
  text-align: center;
}
.footer-connect p,
.footer-office p {
  font-size: clamp(1rem, 1.2vw, 1.25rem);
  line-height: 1.25;
}
.footer-connect p a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
}
.footer-office {
  text-align: right;
}
.footer-office p {
  margin-top: 34px;
}
.site-footer a { color: #fff; }
.social-title {
  margin-top: 74px;
}
.socials {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 18px;
  margin-top: 32px;
}
.socials a {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 44px;
  height: 44px;
  text-decoration: none;
}
.socials svg {
  width: 28px;
  height: 28px;
  fill: currentColor;
}
.nmls-link {
  display: inline-block;
  margin-top: 32px;
  font-weight: 700;
  font-size: clamp(1rem, 1.2vw, 1.2rem);
}
.legal {
  width: min(1760px, 100%);
  margin: 0 auto;
  padding-top: 30px;
  border-top: 1px solid rgba(255, 255, 255, .8);
  color: #fff;
  font-size: clamp(.78rem, .9vw, .95rem);
  text-align: center;
  line-height: 1.25;
}
.legal p + p { margin-top: 18px; }
.legal a {
  display: inline-flex;
  align-items: center;
  min-height: 44px;
}

.policy-main {
  width: min(980px, calc(100% - 40px));
  margin: 0 auto;
  padding: clamp(128px, 12vw, 172px) 0 clamp(80px, 9vw, 120px);
}
.policy-card {
  padding: clamp(30px, 5vw, 56px);
  background: #ffffff;
  border: 1px solid rgba(29, 49, 82, .14);
  border-left: 4px solid var(--footer-bg);
  border-radius: var(--radius);
  box-shadow: 0 18px 48px rgba(21, 42, 80, .06);
}
.policy-eyebrow {
  margin: 0 0 12px;
  color: var(--footer-bg);
  font-weight: 800;
}
.policy-card h1,
.policy-card h2 {
  color: #162a50;
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 400;
}
.policy-card h1 {
  max-width: 760px;
  margin: 0;
  font-size: clamp(2.6rem, 5vw, 4.5rem);
  line-height: 1.04;
}
.policy-card h2 {
  margin: 34px 0 12px;
  font-size: clamp(1.55rem, 2.3vw, 2.15rem);
}
.policy-card p {
  max-width: 820px;
  color: #243b5e;
  font-size: clamp(1.04rem, 1.15vw, 1.18rem);
  line-height: 1.72;
}
.policy-card p + p {
  margin-top: 16px;
}
.policy-intro {
  margin-top: 24px;
  font-size: clamp(1.12rem, 1.35vw, 1.32rem);
}
.policy-card a {
  color: #162a50;
  font-weight: 700;
  text-underline-offset: 4px;
}
.policy-contact-box {
  margin-top: 36px;
  padding: clamp(22px, 3vw, 30px);
  background: #f4f7fb;
  border-left: 3px solid rgba(29, 49, 82, .28);
  border-radius: var(--radius);
}
.reviews-main {
  width: min(1040px, calc(100% - 40px));
  margin: 0 auto;
  padding: clamp(128px, 12vw, 164px) 0 clamp(84px, 9vw, 122px);
}
.reviews-hero,
.reviews-widget-card {
  background: #ffffff;
  border: 1px solid rgba(29, 49, 82, .14);
  border-radius: var(--radius);
  box-shadow: 0 18px 48px rgba(21, 42, 80, .06);
}
.reviews-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(240px, .65fr);
  align-items: center;
  gap: clamp(20px, 4vw, 48px);
  padding: clamp(22px, 3.5vw, 36px) clamp(24px, 4vw, 44px);
  border-left: 4px solid var(--footer-bg);
}
.reviews-eyebrow {
  margin: 0 0 8px;
  color: #1d3152;
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
}
.reviews-hero h1 {
  margin: 0;
  color: #162a50;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.75rem, 3vw, 2.6rem);
  font-weight: 400;
  line-height: 1.1;
}
.reviews-hero p:not(.reviews-eyebrow) {
  margin: 0;
  color: #243b5e;
  font-size: clamp(.95rem, 1.2vw, 1.05rem);
  line-height: 1.65;
}
.reviews-widget-card {
  margin-top: 26px;
  padding: clamp(22px, 4vw, 42px);
}
.reviews-widget-heading {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 20px;
  margin-bottom: 18px;
}
.reviews-button {
  flex-shrink: 0;
  min-width: 136px;
  background: #14264b;
  border-color: #14264b;
  border-radius: var(--radius);
  text-align: center;
}
.reviews-button:hover {
  background: #0e1c38;
  border-color: #0e1c38;
  color: white;
}
.reviews-widget {
  min-height: 420px;
}
.reviews-fallback {
  margin: 18px 0 0;
  color: #243b5e;
}

.about-page {
  background: var(--paper);
}
.hero--about {
  background-image: url("../images/about-karin/about-karin-couch-desktop.jpg");
  background-image: image-set(url("../images/about-karin/about-karin-couch-desktop.webp") type("image/webp"), url("../images/about-karin/about-karin-couch-desktop.jpg") type("image/jpeg"));
  background-position: center 44%;
  background-size: cover;
  background-repeat: no-repeat;
}
.hero--about .hero-overlay {
  background:
    linear-gradient(180deg, rgba(8, 27, 29, .56), rgba(8, 27, 29, .26) 44%, rgba(8, 27, 29, .64));
}
.hero--loans {
  background-image: url("../images/loan-options/ftb-dpa-desktop.jpg");
  background-image: image-set(url("../images/loan-options/ftb-dpa-desktop.webp") type("image/webp"), url("../images/loan-options/ftb-dpa-desktop.jpg") type("image/jpeg"));
  background-position: center 68%;
  background-size: cover;
  background-repeat: no-repeat;
}
.hero--loans .hero-overlay {
  background:
    linear-gradient(90deg, rgba(12, 30, 43, .72), rgba(12, 30, 43, .38) 45%, rgba(12, 30, 43, .56)),
    linear-gradient(180deg, rgba(8, 27, 29, .42), rgba(8, 27, 29, .18) 42%, rgba(8, 27, 29, .56));
}
.about-story-grid {
  display: grid;
  grid-template-columns: minmax(320px, 620px) minmax(280px, 560px);
  gap: clamp(34px, 6vw, 92px);
  align-items: center;
  width: min(1240px, 100%);
  margin: 0 auto;
}
.about-intro {
  padding-top: 36px;
  padding-bottom: 36px;
}
.about-intro-heading {
  width: min(660px, 100%);
  margin: 0 auto 34px;
  text-align: left;
}
.about-intro-heading .eyebrow {
  color: #162a50;
}
.about-intro-heading h2,
.about-story h2,
.about-values h2,
.about-promise h2 {
  font-family: Georgia, "Times New Roman", serif;
  color: #354553;
  font-size: clamp(2.4rem, 4vw, 4.7rem);
}
.about-intro-layout {
  position: relative;
  display: grid;
  grid-template-columns: minmax(280px, 505px) minmax(320px, 700px);
  grid-template-rows: 1fr auto;
  width: min(1315px, 100%);
  margin: 0 auto;
}
.about-intro-layout img {
  grid-column: 1;
  grid-row: 1 / 3;
  align-self: stretch;
}
.about-intro-card {
  grid-column: 2;
  grid-row: 1;
  align-self: center;
  position: relative;
  z-index: 2;
  margin-left: -64px;
  padding: 28px 24px;
  border-radius: var(--radius);
  background: rgba(255, 247, 247, .86);
}
.about-intro-card p,
.about-story p,
.about-values p,
.about-promise p {
  color: #344a55;
  font-size: clamp(1.08rem, 1.25vw, 1.28rem);
  line-height: 1.62;
}
.about-intro-card p {
  color: #162a50;
  font-size: clamp(1.45rem, 1.7vw, 1.68rem);
  line-height: 1.18;
  text-align: justify;
  word-spacing: .28em;
}
.about-story p + p {
  margin-top: 22px;
}
.about-intro img,
.about-story img {
  width: 100%;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: var(--shadow);
}
.about-intro img {
  aspect-ratio: 505 / 612;
  min-height: 500px;
  object-position: center 35%;
}
.button.primary.about-intro-button {
  grid-column: 2;
  grid-row: 2;
  align-self: start;
  justify-self: end;
  margin-top: 16px;
  background: #14264b;
  border-color: #14264b;
  border-radius: 6px;
  color: white;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
  transition: background .2s ease, box-shadow .2s ease;
}
.button.primary.about-intro-button:hover {
  background: #0e1c38;
  border-color: #0e1c38;
  color: white;
  box-shadow: 0 8px 18px rgba(20, 38, 75, .25);
}
.about-story {
  position: relative;
  padding: 36px clamp(20px, 4vw, 60px);
}
.about-story.band {
  min-height: 710px;
  display: grid;
  align-items: center;
  overflow: hidden;
  background:
    linear-gradient(90deg, transparent 0 22%, rgba(255, 248, 248, .86) 22% 46%, transparent 46% 100%);
}
.about-story.band::before,
.about-story.band::after {
  content: "";
  position: absolute;
  top: 0;
  bottom: 0;
  background-size: cover;
  background-repeat: no-repeat;
  z-index: 0;
}
.about-story.band::before {
  left: 0;
  width: 28%;
  background-image: image-set(url("../images/about-karin/about-karin-couch-desktop.webp") type("image/webp"), url("../images/about-karin/about-karin-couch-desktop.jpg") type("image/jpeg"));
  background-position: 56% 50%;
}
.about-story.band::after {
  right: 0;
  width: 54.5%;
  background-image: image-set(url("../images/about-karin/about-karin-couch-desktop.webp") type("image/webp"), url("../images/about-karin/about-karin-couch-desktop.jpg") type("image/jpeg"));
  background-position: center 48%;
}
.about-story.band .about-story-grid {
  position: relative;
  z-index: 1;
  display: block;
  width: min(1180px, 100%);
}
.about-story.band article {
  width: min(650px, 100%);
  min-height: 610px;
  margin-left: clamp(120px, 14vw, 250px);
  padding: clamp(36px, 4vw, 58px) clamp(34px, 4vw, 52px);
  border-radius: var(--radius);
  background: rgba(255, 255, 255, .96);
}
.about-story.band article p {
  margin-top: 28px;
  font-size: clamp(1.35rem, 1.55vw, 1.62rem);
  line-height: 1.18;
}
.about-story.band img {
  display: none;
}
.about-story article {
  max-width: 650px;
}
.about-story .button {
  margin-top: 30px;
  border-radius: 8px;
  background: #14264b;
  border-color: #14264b;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
}
.about-story .button:hover {
  background: #0e1c38;
  border-color: #0e1c38;
  color: white;
  box-shadow: 0 8px 18px rgba(20, 38, 75, .25);
}
.about-story.band .button {
  margin-top: 230px;
}
.about-story-reverse {
  background: #fff;
  padding: 0;
  border-top: 5px solid #162a50;
}
.about-story-reverse .about-story-grid {
  grid-template-columns: 1fr 1fr;
  gap: 0;
  width: 100%;
  max-width: none;
}
.about-story-reverse img {
  width: 100%;
  height: 610px;
  min-height: 0;
  border-radius: 0;
  box-shadow: none;
  object-fit: cover;
  object-position: 62% 50%;
}
.about-story-reverse article {
  align-self: stretch;
  display: flex;
  flex-direction: column;
  justify-content: center;
  max-width: none;
  padding: clamp(54px, 7vw, 96px) clamp(44px, 7vw, 74px);
}
.about-story-reverse article p {
  width: min(760px, 100%);
  margin-top: 28px;
  font-size: clamp(1.35rem, 1.55vw, 1.62rem);
  line-height: 1.18;
}
.about-story-reverse article p + p {
  margin-top: 0;
}
.about-story-reverse .button {
  align-self: flex-start;
  margin-top: 126px;
}
.about-values {
  width: min(1320px, 100%);
  margin: 0 auto;
  text-align: center;
}
.about-values h2 {
  margin-bottom: 52px;
}
.about-values-layout {
  position: relative;
  display: grid;
  grid-template-columns: minmax(280px, 1fr) minmax(260px, 430px);
  align-items: center;
  width: min(1160px, 100%);
  margin: 0 auto;
}
.about-values-card {
  position: relative;
  z-index: 2;
  margin-right: -68px;
  padding: clamp(34px, 4vw, 52px) clamp(34px, 4vw, 48px);
  border-radius: var(--radius);
  background: rgba(255, 247, 247, .86);
  text-align: left;
}
.about-values-card p {
  color: #162a50;
  font-size: clamp(1.35rem, 1.55vw, 1.62rem);
  line-height: 1.18;
  text-align: justify;
  word-spacing: .2em;
}
.about-values img {
  width: 100%;
  aspect-ratio: 430 / 610;
  object-fit: cover;
  object-position: center 32%;
  border-radius: var(--radius);
}
.button.about-values-button {
  grid-column: 1;
  justify-self: start;
  margin-top: 76px;
  border-radius: 8px;
  background: #14264b;
  border-color: #14264b;
  color: white;
  font-weight: 700;
  text-transform: uppercase;
  font-size: .88rem;
  letter-spacing: .03em;
}
.button.about-values-button:hover {
  background: #0e1c38;
  border-color: #0e1c38;
  color: white;
  box-shadow: 0 8px 18px rgba(20, 38, 75, .25);
}
.about-promise {
  display: grid;
  grid-template-columns: 1fr 1fr;
  align-items: stretch;
  min-height: 520px;
  background: #fff;
}
.about-promise-copy {
  display: flex;
  flex-direction: column;
  justify-content: center;
  padding: clamp(58px, 8vw, 110px) clamp(44px, 11vw, 280px) clamp(58px, 8vw, 110px) clamp(44px, 11vw, 280px);
}
.about-promise h2 {
  font-size: clamp(1.85rem, 2.4vw, 3rem);
}
.about-promise p {
  width: min(620px, 100%);
  margin-top: 28px;
  color: #162a50;
  font-size: clamp(1rem, 1.15vw, 1.22rem);
  line-height: 1.25;
}
.about-promise img {
  width: 100%;
  height: 520px;
  object-fit: cover;
  object-position: 50% 28%;
}
.button.about-promise-button {
  align-self: flex-start;
  margin-top: 124px;
  border-radius: 8px;
  background: #14264b;
  border-color: #14264b;
  color: white;
  font-weight: 700;
  text-transform: uppercase;
  font-size: .88rem;
  letter-spacing: .03em;
}
.button.about-promise-button:hover {
  background: #0e1c38;
  border-color: #0e1c38;
  color: white;
  box-shadow: 0 8px 18px rgba(20, 38, 75, .25);
}
.about-cta {
  display: grid;
  place-items: center;
  min-height: 520px;
  padding: clamp(70px, 9vw, 120px) clamp(20px, 4vw, 60px);
  background:
    linear-gradient(rgba(23, 35, 45, .48), rgba(23, 35, 45, .48)),
    url("../images/about-karin/about-karin-cta-desktop.jpg") center/cover no-repeat;
  background-image:
    linear-gradient(rgba(23, 35, 45, .48), rgba(23, 35, 45, .48)),
    image-set(url("../images/about-karin/about-karin-cta-desktop.webp") type("image/webp"), url("../images/about-karin/about-karin-cta-desktop.jpg") type("image/jpeg"));
  color: white;
  text-align: center;
}
.about-cta h2 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.3rem, 3.2vw, 4rem);
  line-height: 1.35;
  text-shadow: 0 2px 10px rgba(0, 0, 0, .3);
}
.about-main {
  background: #fff;
}
.about-hero-simple {
  min-height: clamp(380px, 52vh, 560px);
  background:
    linear-gradient(rgba(247, 251, 250, .58), rgba(247, 251, 250, .58)),
    url("../images/about-karin/about-karin-cta-desktop.jpg") center 56% / cover no-repeat;
  background-image:
    linear-gradient(rgba(247, 251, 250, .58), rgba(247, 251, 250, .58)),
    image-set(url("../images/about-karin/about-karin-cta-desktop.webp") type("image/webp"), url("../images/about-karin/about-karin-cta-desktop.jpg") type("image/jpeg"));
  color: #162a50;
}
.about-hero-simple .hero-content {
  width: min(760px, calc(100% - 40px));
}
.about-hero-simple .hero-overlay {
  display: none;
}
.about-hero-simple h1,
.about-hero-simple p:not(.eyebrow) {
  text-shadow: none;
}
.about-welcome,
.about-help,
.about-feature,
.about-story-soft,
.about-contact-soft {
  padding-top: clamp(56px, 7vw, 92px);
  padding-bottom: clamp(56px, 7vw, 92px);
}
.about-welcome-grid {
  display: grid;
  grid-template-columns: minmax(260px, 420px) minmax(0, 650px);
  gap: clamp(32px, 6vw, 86px);
  align-items: center;
  width: min(1120px, 100%);
  margin: 0 auto;
}
.about-welcome-grid img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  object-position: center 35%;
  border-radius: var(--radius);
  box-shadow: 0 16px 38px rgba(21, 42, 80, .1);
}
.about-welcome-copy h2,
.about-feature h2,
.about-section-heading h2,
.about-story-soft h2,
.about-contact-soft h2 {
  color: #354553;
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 400;
}
.about-welcome-copy h2 {
  font-size: clamp(2.35rem, 4.2vw, 4.4rem);
}
.about-welcome-copy p:not(.eyebrow),
.about-feature p,
.about-story-soft p,
.about-contact-soft p,
.about-help article p {
  color: #344a55;
  font-size: clamp(1.04rem, 1.2vw, 1.18rem);
  line-height: 1.72;
}
.about-welcome-copy p:not(.eyebrow) {
  margin-top: 22px;
}
.about-inline-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 28px;
}
.about-feature {
  background: #f7fbfa;
}
.about-feature-grid,
.about-story-soft-grid {
  display: grid;
  grid-template-columns: minmax(260px, 430px) minmax(0, 650px);
  gap: clamp(32px, 6vw, 86px);
  align-items: center;
  width: min(1120px, 100%);
  margin: 0 auto;
}
.about-feature-reverse .about-feature-grid,
.about-story-soft-grid {
  grid-template-columns: minmax(0, 650px) minmax(260px, 430px);
}
.about-feature-reverse img {
  grid-column: 2;
  grid-row: 1;
}
.about-feature-reverse article {
  grid-column: 1;
  grid-row: 1;
}
.about-feature img,
.about-story-soft img {
  width: 100%;
  aspect-ratio: 4 / 5;
  object-fit: cover;
  border-radius: var(--radius);
  box-shadow: 0 16px 38px rgba(21, 42, 80, .1);
}
.about-feature img {
  object-position: center 34%;
}
.about-story-soft img {
  object-position: center 38%;
}
.about-feature h2 {
  font-size: clamp(2rem, 3.2vw, 3.35rem);
  line-height: 1.15;
}
.about-feature p,
.about-story-soft p:not(.eyebrow) {
  margin-top: 22px;
}
.about-feature p + p {
  margin-top: 16px;
}
.about-feature .button,
.about-story-soft .button {
  margin-top: 28px;
  border-radius: 8px;
  background: #14264b;
  border-color: #14264b;
  color: white;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .04em;
}
.about-feature .button:hover,
.about-story-soft .button:hover,
.about-inline-actions .button:hover {
  background: #0e1c38;
  border-color: #0e1c38;
  color: white;
  box-shadow: 0 8px 18px rgba(20, 38, 75, .25);
}
.about-help {
  background: #f7fbfa;
}
.about-section-heading {
  width: min(760px, 100%);
  margin: 0 auto 34px;
  text-align: center;
}
.about-section-heading h2 {
  font-size: clamp(2rem, 3.2vw, 3.3rem);
}
.about-help-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
  width: min(1120px, 100%);
  margin: 0 auto;
}
.about-help article {
  padding: clamp(24px, 3vw, 34px);
  border: 1px solid rgba(29, 49, 82, .13);
  border-radius: var(--radius);
  background: #fff;
}
.about-help h3 {
  margin-bottom: 12px;
  color: #162a50;
  font-size: clamp(1.12rem, 1.4vw, 1.34rem);
  line-height: 1.25;
}
.about-story-soft {
  background: #fff;
}
.about-promise-soft {
  background: #f7fbfa;
}
.about-story-soft-copy {
  width: min(860px, 100%);
  margin: 0 auto;
}
.about-story-soft h2 {
  font-size: clamp(2rem, 3.6vw, 3.8rem);
  line-height: 1.15;
}
.about-story-soft p:not(.eyebrow) {
  margin-top: 24px;
}
.about-contact-soft {
  background: #f3f6f8;
  text-align: center;
}
.about-contact-soft > div {
  width: min(820px, 100%);
  margin: 0 auto;
}
.about-contact-soft h2 {
  font-size: clamp(2rem, 3.4vw, 3.5rem);
}
.about-contact-soft p {
  margin-top: 18px;
}
.about-extra {
  background: #f7fbfa;
}
.about-extra-alt {
  background: #fff;
}
.about-extra-inner {
  width: min(1120px, 100%);
  margin: 0 auto;
}
.about-extra .about-section-heading {
  margin-bottom: 24px;
}
.about-extra .about-section-heading h2 {
  font-size: clamp(1.85rem, 2.8vw, 2.9rem);
}
.about-extra-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 18px;
}
.about-extra article {
  padding: clamp(24px, 3vw, 34px);
  border: 1px solid rgba(29, 49, 82, .13);
  border-radius: var(--radius);
  background: #fff;
}
.about-extra-alt article {
  background: #f7fbfa;
}
.about-extra h3 {
  margin-bottom: 12px;
  color: #162a50;
  font-size: clamp(1.12rem, 1.4vw, 1.34rem);
  line-height: 1.25;
}
.about-extra p {
  color: #344a55;
  font-size: clamp(1.04rem, 1.2vw, 1.18rem);
  line-height: 1.72;
}

.blog-page {
  background: #fff8f8;
}
.blog-index {
  padding: clamp(96px, 10vw, 142px) clamp(24px, 4vw, 72px) clamp(120px, 12vw, 190px);
}
.blog-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: clamp(92px, 9vw, 150px) clamp(42px, 5vw, 88px);
  width: min(1800px, 100%);
  margin: 0 auto;
}
.blog-card {
  text-align: center;
}
.blog-card-image {
  display: block;
  width: 100%;
  aspect-ratio: 3 / 2;
  overflow: hidden;
}
.blog-card-image img {
  width: 100%;
  height: 100%;
  display: block;
  object-fit: cover;
}
.blog-card-image picture {
  display: block;
  width: 100%;
  height: 100%;
}
.blog-card time {
  display: block;
  margin-top: 62px;
  font-size: clamp(1rem, 1.25vw, 1.45rem);
  color: #183158;
}
.blog-card h1 {
  margin: 44px auto 0;
  max-width: 520px;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.6rem, 3.4vw, 4.1rem);
  line-height: 1.03;
  font-weight: 400;
  color: #162a50;
}
.blog-card h1 a {
  color: inherit;
  text-decoration: none;
}
.blog-card p {
  max-width: 420px;
  margin: 38px auto 0;
  font-size: clamp(1.15rem, 1.45vw, 1.75rem);
  line-height: 1.18;
  color: #243b5e;
}
.blog-read-more {
  display: inline-block;
  margin-top: 38px;
  font-size: clamp(1.05rem, 1.25vw, 1.5rem);
  color: #17345e;
  text-underline-offset: 4px;
}
.article-layout {
  width: min(1040px, calc(100% - 40px));
  margin: 0 auto;
  padding: clamp(54px, 7vw, 96px) 0 clamp(92px, 10vw, 140px);
}
.article-back {
  display: inline-block;
  margin-bottom: 44px;
  color: #17345e;
  font-weight: 700;
  text-underline-offset: 4px;
}
.article-hero {
  text-align: center;
}
.article-meta {
  color: var(--teal-dark);
  font-size: clamp(.95rem, 1.1vw, 1.12rem);
  font-weight: 700;
}
.article-hero h1 {
  margin: 18px auto 0;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.8rem, 5vw, 5.1rem);
  line-height: 1.05;
  font-weight: 400;
  color: #162a50;
}
.article-deck {
  max-width: 760px;
  margin: 28px auto 0;
  color: #243b5e;
  font-size: clamp(1.15rem, 1.45vw, 1.45rem);
  line-height: 1.45;
}
.article-hero img {
  width: min(500px, 100%);
  margin-top: 52px;
  margin-left: auto;
  margin-right: auto;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  display: block;
}
.article-hero picture {
  display: block;
  width: min(500px, 100%);
  margin-top: 52px;
  margin-left: auto;
  margin-right: auto;
}
.article-hero picture img {
  width: 100%;
  margin-top: 0;
}
.article-content {
  width: min(760px, 100%);
  margin: 58px auto 0;
  color: #243b5e;
}
.article-content p,
.article-content li {
  font-size: clamp(1.08rem, 1.2vw, 1.22rem);
  line-height: 1.72;
}
.article-content p + p {
  margin-top: 20px;
}
.article-content h2 {
  margin: 48px 0 18px;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2rem, 3vw, 3rem);
  line-height: 1.1;
  font-weight: 400;
  color: #162a50;
}
.article-content ul {
  margin: 20px 0 0 24px;
  padding: 0;
}
.article-content li + li {
  margin-top: 14px;
}
.article-content a {
  color: #17345e;
  text-underline-offset: 4px;
}
.article-cta {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 36px;
}
.article-cta .button {
  min-height: 46px;
  padding: 12px 18px;
  border-radius: 8px;
}
.article-signoff {
  margin-top: 36px;
  font-weight: 700;
}
.article-disclaimer {
  margin-top: 34px;
  padding-top: 28px;
  border-top: 1px solid var(--line);
  color: var(--muted);
}
.fha-article .article-layout {
  width: min(980px, calc(100% - 40px));
  padding-top: clamp(28px, 4vw, 48px);
}
.fha-article .article-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 360px);
  column-gap: clamp(24px, 4vw, 44px);
  row-gap: 0;
  align-items: center;
  text-align: left;
  padding: clamp(18px, 2.4vw, 24px);
  background: #ffffff;
  border: 1px solid rgba(29, 49, 82, .16);
  border-left: 4px solid var(--footer-bg);
  border-top: 0;
  border-radius: 8px;
  box-shadow: 0 12px 30px rgba(21, 42, 80, .06);
}
.fha-article .article-meta,
.fha-article .article-hero h1,
.fha-article .article-deck,
.fha-article .article-hero-points {
  grid-column: 1;
}
.fha-article .article-meta {
  align-self: end;
  color: var(--footer-bg);
  margin-bottom: 0;
}
.fha-article .article-hero h1 {
  max-width: 540px;
  margin: 12px 0 0;
  font-size: clamp(2rem, 3vw, 3rem);
  line-height: 1.04;
}
.fha-article .article-deck {
  max-width: 520px;
  margin: 14px 0 0;
  font-size: clamp(1rem, 1.08vw, 1.12rem);
  line-height: 1.42;
}
.fha-article .article-hero img {
  grid-column: 2;
  grid-row: 1 / 5;
  width: min(100%, 360px);
  justify-self: end;
  margin: 0;
  aspect-ratio: 3 / 2;
  border-radius: 6px;
  box-shadow: 0 10px 24px rgba(21, 42, 80, .1);
}
.fha-article .article-hero picture {
  grid-column: 2;
  grid-row: 1 / 5;
  width: min(100%, 360px);
  justify-self: end;
  margin: 0;
}
.fha-article .article-content {
  width: min(860px, 100%);
  margin-top: clamp(34px, 5vw, 54px);
  padding: clamp(28px, 4vw, 46px);
  background: #ffffff;
  border: 1px solid rgba(29, 49, 82, .14);
  border-radius: 8px;
  box-shadow: 0 18px 48px rgba(21, 42, 80, .06);
}
.fha-article .article-content h2 {
  color: var(--footer-bg);
  font-size: clamp(1.75rem, 2.2vw, 2.35rem);
}
.fha-article .article-content ul {
  margin-top: 18px;
  padding: 16px 20px 16px 38px;
  background: #f4f7fb;
  border-left: 3px solid rgba(29, 49, 82, .28);
  border-radius: 6px;
}
.fha-article .article-cta {
  margin-top: 34px;
  padding: clamp(26px, 4vw, 38px);
  background: var(--footer-bg);
  border-radius: 8px;
}
.fha-article .article-cta .button.primary {
  background: #ffffff;
  border-color: #ffffff;
  color: var(--footer-bg);
}
.fha-article .article-cta .button.primary:hover {
  background: #eef2f8;
  border-color: #eef2f8;
  color: var(--footer-bg);
}
.dscr-article .article-layout {
  width: min(980px, calc(100% - 40px));
  padding-top: clamp(28px, 4vw, 48px);
}
.dscr-article .article-hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(280px, 360px);
  column-gap: clamp(24px, 4vw, 44px);
  row-gap: 0;
  align-items: center;
  text-align: left;
  padding: clamp(18px, 2.4vw, 24px);
  background: #ffffff;
  border: 1px solid rgba(29, 49, 82, .16);
  border-left: 4px solid var(--footer-bg);
  border-top: 0;
  border-radius: 8px;
  box-shadow: 0 12px 30px rgba(21, 42, 80, .06);
}
.dscr-article .article-meta,
.dscr-article .article-hero h1,
.dscr-article .article-deck,
.dscr-article .article-hero-points {
  grid-column: 1;
}
.dscr-article .article-meta {
  align-self: end;
  color: var(--footer-bg);
  margin-bottom: 0;
}
.dscr-article .article-hero h1 {
  max-width: 500px;
  margin: 12px 0 0;
  font-size: clamp(2rem, 3vw, 3rem);
  line-height: 1.04;
}
.dscr-article .article-deck {
  max-width: 520px;
  margin: 14px 0 0;
  font-size: clamp(1rem, 1.08vw, 1.12rem);
  line-height: 1.42;
}
.article-hero-points {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 14px;
}
.article-hero-points span {
  display: inline-flex;
  align-items: center;
  min-height: 28px;
  padding: 5px 10px;
  border-radius: 999px;
  background: rgba(29, 49, 82, .08);
  color: var(--footer-bg);
  font-size: .8rem;
  font-weight: 700;
}
.dscr-article .article-hero img {
  grid-column: 2;
  grid-row: 1 / 5;
  width: min(100%, 360px);
  justify-self: end;
  margin: 0;
  aspect-ratio: 3 / 2;
  border-radius: 6px;
  box-shadow: 0 10px 24px rgba(21, 42, 80, .1);
}
.dscr-article .article-hero picture {
  grid-column: 2;
  grid-row: 1 / 5;
  width: min(100%, 360px);
  justify-self: end;
  margin: 0;
}
.article-intro-panel {
  width: 100%;
  margin: 0 0 26px;
  padding: 0 0 24px;
  background: transparent;
  border-bottom: 1px solid rgba(29, 49, 82, .16);
  border-left: 0;
  box-shadow: none;
}
.article-intro-panel p {
  font-size: clamp(1.08rem, 1.24vw, 1.24rem);
}
.dscr-article .article-content {
  width: min(860px, 100%);
  margin-top: clamp(34px, 5vw, 54px);
  padding: clamp(28px, 4vw, 46px);
  background: #ffffff;
  border: 1px solid rgba(29, 49, 82, .14);
  border-radius: 8px;
  box-shadow: 0 18px 48px rgba(21, 42, 80, .06);
}
.dscr-roadmap {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 8px;
  width: 100%;
  margin: 0 0 20px;
}
.dscr-roadmap span {
  min-height: 58px;
  padding: 10px;
  background: #f4f7fb;
  border: 1px solid rgba(29, 49, 82, .18);
  border-radius: 6px;
  color: var(--footer-bg);
  font-size: .84rem;
  line-height: 1.25;
  box-shadow: 0 8px 18px rgba(21, 42, 80, .045);
}
.dscr-roadmap strong {
  display: inline-block;
  margin: 0 6px 0 0;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.25rem;
  line-height: 1;
  color: var(--footer-bg);
}
.article-step,
.article-feature,
.article-final {
  position: relative;
  margin-top: 0;
  padding: clamp(28px, 4vw, 42px) 0 clamp(28px, 4vw, 42px) 70px;
  background: #ffffff;
  border: 0;
  border-top: 1px solid rgba(29, 49, 82, .14);
  border-radius: 0;
  box-shadow: none;
}
.article-step {
  background: #ffffff;
}
.article-step::before {
  content: attr(data-step);
  display: inline-flex;
  align-items: center;
  justify-content: center;
  position: absolute;
  top: clamp(30px, 4vw, 44px);
  left: 0;
  width: 44px;
  height: 44px;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 1.35rem;
  line-height: 1;
  color: #ffffff;
  background: var(--footer-bg);
  border-radius: 999px;
}
.article-step::after {
  content: "";
  position: absolute;
  top: calc(clamp(30px, 4vw, 44px) + 54px);
  bottom: -10px;
  left: 21px;
  width: 2px;
  background: rgba(29, 49, 82, .18);
}
.article-step[data-step="05"]::after {
  content: none;
}
.dscr-article .article-content h2 {
  position: relative;
  margin-top: 0;
  padding-top: 0;
  border-top: 0;
  font-size: clamp(1.75rem, 2.2vw, 2.35rem);
}
.dscr-article .article-content h2::before {
  content: none;
}
.dscr-article .article-content ul {
  margin-top: 18px;
  padding: 16px 20px 16px 38px;
  background: #f4f7fb;
  border-left: 3px solid rgba(29, 49, 82, .28);
  border-radius: 6px;
}
.dscr-article .article-content li + li {
  margin-top: 10px;
}
.dscr-article .article-feature {
  margin-top: 8px;
  padding: clamp(26px, 4vw, 38px);
  background: #f6f8fc;
  border: 1px solid rgba(29, 49, 82, .16);
  border-left: 4px solid var(--footer-bg);
  border-radius: 8px;
}
.article-final {
  margin-top: 34px;
  padding: clamp(30px, 4vw, 44px);
  background: var(--footer-bg);
  border: 1px solid var(--footer-bg);
  border-radius: 8px;
  color: #ffffff;
}
.article-final h2,
.article-final p,
.article-final strong {
  color: #ffffff;
}
.article-final .button.primary {
  background: #ffffff;
  border-color: #ffffff;
  color: var(--footer-bg);
}
.article-final .button.primary:hover {
  background: #eef2f8;
  border-color: #eef2f8;
  color: var(--footer-bg);
}

.loans-cta-bar {
  display: grid;
  grid-template-columns: 1fr 1fr;
}

.loans-cta-item {
  display: flex;
  align-items: center;
  justify-content: center;
  padding: clamp(18px, 2.5vw, 28px) clamp(20px, 4vw, 60px);
  text-align: center;
  font-weight: 700;
  font-size: clamp(.78rem, 1vw, 1rem);
  letter-spacing: .05em;
  text-transform: uppercase;
  text-decoration: none;
  color: white;
  background: var(--teal);
  transition: background .2s;
}

.loans-cta-item--dark {
  background: #14264b;
}

.loans-cta-item:hover {
  opacity: .88;
  color: white;
}

.loans-intro {
  padding: clamp(50px, 6vw, 80px) clamp(20px, 4vw, 60px);
  background: var(--paper);
  border-bottom: 1px solid var(--line);
}

.loans-intro-grid {
  display: grid;
  grid-template-columns: minmax(220px, 340px) 1fr;
  gap: clamp(30px, 5vw, 80px);
  align-items: center;
  width: min(1160px, 100%);
  margin: 0 auto;
}

.loans-intro-grid h2 {
  font-family: Georgia, "Times New Roman", serif;
  color: #354553;
  font-size: clamp(2rem, 3vw, 3rem);
  line-height: 1.15;
}

.loans-intro-grid p {
  font-size: clamp(1rem, 1.15vw, 1.2rem);
  line-height: 1.65;
  color: var(--muted);
}

.about-story.loan-alt {
  background: var(--cream);
  padding: 0;
  border-top: 5px solid #162a50;
}

.about-story.loan-alt .about-story-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  width: 100%;
  max-width: none;
  margin: 0;
}

.about-story.loan-alt article {
  align-self: stretch;
  display: flex;
  flex-direction: column;
  justify-content: center;
  max-width: none;
  padding: clamp(54px, 7vw, 96px) clamp(44px, 7vw, 74px);
}

.about-story.loan-alt img {
  width: 100%;
  height: 610px;
  min-height: 0;
  border-radius: 0;
  box-shadow: none;
  object-fit: cover;
  object-position: center 50%;
}

.about-story.loan-alt h2,
.about-story.about-story-reverse h2 {
  font-family: Georgia, "Times New Roman", serif;
  color: #354553;
  font-size: clamp(1.8rem, 2.5vw, 2.8rem);
  margin-bottom: 16px;
}

.about-story.loan-alt p,
.about-story.about-story-reverse article p {
  font-size: clamp(.95rem, 1.1vw, 1.1rem);
  line-height: 1.65;
  color: var(--muted);
  margin-top: 0;
}

.about-story.loan-alt .button,
.about-story.about-story-reverse .button {
  align-self: flex-start;
  margin-top: 12px;
  margin-right: 10px;
  border-radius: 6px;
  background: #14264b;
  border-color: #14264b;
  font-weight: 700;
  text-transform: uppercase;
  letter-spacing: .03em;
  font-size: .82rem;
  min-height: 38px;
  padding: 10px 18px;
}

.about-story.loan-alt article .button:first-of-type,
.about-story.about-story-reverse article .button:first-of-type {
  margin-top: 30px;
}

.about-story.loan-alt .button:hover,
.about-story.about-story-reverse .button:hover {
  background: #0e1c38;
  border-color: #0e1c38;
  color: white;
  box-shadow: 0 6px 14px rgba(20, 38, 75, .22);
}

.loans-page main {
  background: #f7fbfa;
}
.loans-page .site-header {
  height: 72px;
  min-height: 72px;
  align-items: center;
  padding-top: 0;
  padding-bottom: 0;
}
.loans-page .brand {
  width: min(116px, 38vw);
  height: 72px;
  flex-basis: min(116px, 38vw);
  align-items: center;
  padding-top: 8px;
  padding-bottom: 8px;
}
.loans-page .brand img {
  width: 116px;
  max-width: 38vw;
  height: 56px;
  min-height: 56px;
  object-fit: contain;
}
.loans-page .site-nav {
  align-items: center;
  font-size: .82rem;
  line-height: 1.6;
}
.loans-page .header-socials {
  display: inline-flex;
  align-items: center;
  gap: 16px;
  height: 18px;
  margin-left: 10px;
}
.loans-page .header-socials svg {
  width: 18px;
  height: 18px;
}
.loans-page .header-socials a {
  width: 18px;
  height: 18px;
  min-width: 44px;
  min-height: 44px;
}
.loans-page .nav-button {
  min-height: 44px;
  padding: 9px 18px;
  font-size: .8rem;
  line-height: 1;
}
.loans-page .hero--loans {
  min-height: clamp(500px, 62vh, 620px);
}
.loans-page .about-story[id] {
  scroll-margin-top: 96px;
}
.loans-page .loans-cta-bar {
  width: min(1040px, calc(100% - 40px));
  margin: -26px auto 0;
  position: relative;
  z-index: 2;
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: 0 14px 32px rgba(21, 42, 80, .12);
}
.loans-page .loans-cta-item {
  min-height: 76px;
  padding: 22px clamp(28px, 4vw, 52px);
  font-size: clamp(.95rem, 1.15vw, 1.08rem);
  letter-spacing: .04em;
}
.loans-page .loans-intro {
  padding: clamp(48px, 5vw, 68px) clamp(20px, 4vw, 60px) clamp(34px, 4vw, 52px);
  background: #f7fbfa;
}
.loans-page .loans-intro-grid {
  width: min(960px, 100%);
  gap: clamp(20px, 4vw, 44px);
}
.loans-page .loans-intro-grid h2 {
  font-size: clamp(1.8rem, 2.4vw, 2.55rem);
}
.loans-page .about-story.loan-alt,
.loans-page .about-story.about-story-reverse {
  width: min(1040px, calc(100% - 40px));
  margin: 18px auto;
  padding: 0;
  border: 1px solid rgba(29, 49, 82, .12);
  border-top: 0;
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 12px 30px rgba(21, 42, 80, .055);
  overflow: hidden;
}
.loans-page .about-story.loan-alt .about-story-grid,
.loans-page .about-story.about-story-reverse .about-story-grid {
  grid-template-columns: minmax(0, 1.18fr) minmax(240px, .82fr);
  gap: 0;
  width: 100%;
  max-width: none;
  margin: 0;
}
.loans-page .about-story.about-story-reverse .about-story-grid {
  grid-template-columns: minmax(0, 1.18fr) minmax(240px, .82fr);
}
.loans-page .about-story.about-story-reverse article {
  grid-column: 1;
  grid-row: 1;
}
.loans-page .about-story.about-story-reverse img {
  grid-column: 2;
  grid-row: 1;
}
.loans-page .about-story.loan-alt article,
.loans-page .about-story.about-story-reverse article {
  padding: clamp(28px, 4vw, 46px);
}
.loans-page .about-story.loan-alt img,
.loans-page .about-story.about-story-reverse img {
  width: 100%;
  height: 100%;
  min-height: 300px;
  max-height: 360px;
  border-radius: 0;
  box-shadow: none;
  object-fit: cover;
}
.loans-page .about-story.loan-alt picture,
.loans-page .about-story.about-story-reverse picture {
  display: block;
  width: 100%;
  height: 100%;
  min-height: 300px;
  max-height: 360px;
}
.loans-page .about-story.loan-alt picture img,
.loans-page .about-story.about-story-reverse picture img {
  height: 100%;
  min-height: 300px;
}
.loans-page .about-story.loan-alt h2,
.loans-page .about-story.about-story-reverse h2 {
  font-size: clamp(1.55rem, 2vw, 2.2rem);
  margin-bottom: 12px;
}
.loans-page .about-story.loan-alt p,
.loans-page .about-story.about-story-reverse article p {
  max-width: 620px;
  font-size: clamp(.94rem, 1vw, 1.04rem);
  line-height: 1.62;
}
.loans-page .about-story.loan-alt .button,
.loans-page .about-story.about-story-reverse .button {
  min-height: 36px;
  margin-top: 18px;
  padding: 9px 15px;
  font-size: .74rem;
}
.loans-page .about-story.loan-alt article .button:first-of-type,
.loans-page .about-story.about-story-reverse article .button:first-of-type {
  margin-top: 24px;
}
.loans-page .about-story:last-of-type {
  margin-bottom: 18px;
}
.loans-soft-cta {
  width: min(1040px, calc(100% - 40px));
  margin: 18px auto clamp(58px, 7vw, 92px);
  padding: clamp(34px, 5vw, 56px) clamp(24px, 5vw, 68px);
  border: 1px solid rgba(29, 49, 82, .12);
  border-radius: var(--radius);
  background: #fff;
  text-align: center;
  box-shadow: 0 12px 30px rgba(21, 42, 80, .055);
}
.loans-soft-cta h2 {
  color: #354553;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.85rem, 2.6vw, 2.9rem);
  font-weight: 400;
}
.loans-soft-cta p {
  max-width: 620px;
  margin: 14px auto 0;
  color: var(--muted);
  font-size: clamp(.98rem, 1.08vw, 1.12rem);
  line-height: 1.62;
}
.loans-soft-cta .cta-actions {
  margin-top: 28px;
}

.va-page main {
  background: #f7fbfa;
}
.va-page .hero--va {
  min-height: 660px;
  background: image-set(url("../images/va-loans/va-loans-hero-desktop.webp") type("image/webp"), url("../images/va-loans/va-loans-hero-desktop.jpg") type("image/jpeg")) center 40% / cover no-repeat;
}
.va-page .hero--va .hero-overlay {
  background: linear-gradient(180deg, rgba(8, 27, 29, .55), rgba(8, 27, 29, .25) 44%, rgba(8, 27, 29, .65));
}
.va-page .hero--va .hero-content {
  padding-top: 50px;
  padding-bottom: 60px;
}
.va-page .hero--va h1 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.8rem, 4vw, 4.4rem);
  line-height: 1.1;
}
.va-page .hero--va p {
  max-width: 780px;
  margin-top: 22px;
  font-size: clamp(1.15rem, 1.5vw, 1.5rem);
}
.va-intro,
.va-benefits,
.va-details,
.va-local,
.va-cta-band {
  width: min(1040px, calc(100% - 40px));
  margin-left: auto;
  margin-right: auto;
}
.va-intro {
  padding: clamp(48px, 6vw, 78px) 0 clamp(32px, 5vw, 56px);
}
.va-intro-grid,
.va-local-inner {
  display: grid;
  grid-template-columns: minmax(0, 1.08fr) minmax(280px, .92fr);
  gap: clamp(28px, 5vw, 58px);
  align-items: center;
}
.va-intro-text p,
.va-benefits-heading p,
.va-benefit-card p,
.va-details-col p,
.va-local-content p,
.va-local-content li,
.va-details-col li,
.va-cta-band p {
  color: var(--muted);
}
.va-intro h2,
.va-benefits h2,
.va-details h2,
.va-local h2,
.va-cta-band h2 {
  color: #354553;
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(1.85rem, 2.7vw, 3rem);
  font-weight: 400;
}
.va-intro-text p:not(.eyebrow),
.va-local-content p,
.va-details-col p {
  margin-top: 16px;
  font-size: clamp(.98rem, 1.06vw, 1.12rem);
  line-height: 1.65;
}
.va-intro-photo,
.va-local-img img {
  width: 100%;
  border-radius: var(--radius);
  box-shadow: 0 12px 30px rgba(21, 42, 80, .08);
  object-fit: cover;
}
.va-intro-photo {
  aspect-ratio: 8 / 5;
}
.va-benefits,
.va-details,
.va-local,
.va-cta-band {
  margin-top: 18px;
  border: 1px solid rgba(29, 49, 82, .12);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 12px 30px rgba(21, 42, 80, .055);
}
.va-benefits,
.va-details,
.va-cta-band {
  padding: clamp(34px, 5vw, 56px) clamp(24px, 5vw, 68px);
}
.va-benefits-heading {
  max-width: 720px;
  margin-bottom: clamp(24px, 4vw, 36px);
}
.va-benefits-heading p:not(.eyebrow) {
  margin-top: 14px;
  font-size: clamp(.98rem, 1.08vw, 1.12rem);
  line-height: 1.62;
}
.va-benefits-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 16px;
}
.va-benefit-card {
  min-height: 100%;
  padding: 24px;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: linear-gradient(180deg, #ffffff, #f8fbfa);
}
.va-benefit-card h3 {
  margin-bottom: 10px;
  color: #162a50;
  font-size: clamp(1.08rem, 1.25vw, 1.25rem);
}
.va-benefit-card p {
  font-size: .98rem;
  line-height: 1.58;
}
.va-details-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: clamp(24px, 5vw, 54px);
}
.va-page .va-eyebrow,
.va-details .eyebrow,
.va-local .eyebrow {
  color: var(--teal);
  font-size: .8rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  margin-bottom: 10px;
}
.va-details ul,
.va-local ul {
  margin: 16px 0 0;
  padding-left: 1.2rem;
}
.va-details li,
.va-local li {
  margin-top: 8px;
}
.va-local {
  overflow: hidden;
}
.va-local-inner {
  grid-template-columns: minmax(280px, .86fr) minmax(0, 1.14fr);
  gap: 0;
}
.va-local-img img {
  height: 100%;
  min-height: 430px;
  border-radius: 0;
  box-shadow: none;
}
.va-local-content {
  padding: clamp(32px, 5vw, 56px);
}
.va-cta-band {
  margin-bottom: clamp(58px, 7vw, 92px);
  text-align: center;
}
.va-cta-band p {
  max-width: 680px;
  margin: 14px auto 0;
  font-size: clamp(.98rem, 1.08vw, 1.12rem);
  line-height: 1.62;
}
.va-cta-band .va-cta-actions {
  margin-top: 36px;
  gap: 16px;
}

@media (max-width: 1120px) {
  .site-nav {
    gap: 12px;
    font-size: .78rem;
  }
  .header-socials {
    gap: 10px;
    margin-left: 0;
  }
}

@media (max-width: 980px) {
  .cta-band {
    background:
      linear-gradient(rgba(24, 24, 24, .58), rgba(24, 24, 24, .58)),
      image-set(
        url("../images/index/loan-refinance-tablet.webp") type("image/webp"),
        url("../images/index/loan-refinance-tablet.jpg") type("image/jpeg")
      ) center/cover fixed;
  }
  .steps, .loan-grid { grid-template-columns: repeat(2, 1fr); }
  .intro-grid, .tip-grid, .about, .footer-grid { grid-template-columns: 1fr; }
  .about-story-grid,
  .about-story-reverse .about-story-grid {
    grid-template-columns: 1fr;
  }
  .about-intro-heading {
    width: min(620px, 100%);
    text-align: center;
  }
  .reviews-hero {
    grid-template-columns: 1fr;
  }
  .about-intro-layout {
    grid-template-columns: 1fr;
    gap: 22px;
  }
  .about-intro-card {
    margin-left: 0;
  }
  .about-intro-card p {
    word-spacing: normal;
    text-align: left;
  }
  .button.primary.about-intro-button {
    grid-column: 1;
    grid-row: auto;
    align-self: auto;
    justify-self: start;
    margin-top: 8px;
  }
  .about-story.band {
    min-height: auto;
    background: var(--cream);
  }
  .about-story.band::before,
  .about-story.band::after {
    display: none;
  }
  .about-story.band article {
    min-height: auto;
    margin-left: 0;
  }
  .about-story.band img {
    display: block;
    margin-top: 22px;
  }
  .about-story.band .button {
    margin-top: 28px;
  }
  .about-story-reverse {
    padding: 0;
  }
  .about-story-reverse .about-story-grid {
    grid-template-columns: 1fr;
  }
  .about-story-reverse img {
    height: 460px;
  }
  .about-story-reverse article {
    padding: 44px 24px 64px;
  }
  .about-story-reverse .button {
    margin-top: 34px;
  }
  .about-values-layout {
    grid-template-columns: 1fr;
    gap: 22px;
  }
  .about-values-card {
    margin-right: 0;
  }
  .about-values-card p {
    word-spacing: normal;
    text-align: left;
  }
  .about-values img {
    max-width: 430px;
    margin: 0 auto;
  }
  .button.about-values-button {
    grid-column: 1;
    margin-top: 8px;
  }
  .about-promise {
    grid-template-columns: 1fr;
  }
  .about-promise-copy {
    padding: 44px 24px 64px;
  }
  .button.about-promise-button {
    margin-top: 34px;
  }
  .about-promise img {
    height: 460px;
  }
  .loans-cta-bar { grid-template-columns: 1fr; }
  .loans-intro-grid { grid-template-columns: 1fr; }
  .about-story.loan-alt .about-story-grid { grid-template-columns: 1fr; }
  .about-story.loan-alt img { height: 460px; }
  .about-story.loan-alt article { padding: 44px 24px 64px; }
  .blog-grid { grid-template-columns: 1fr; gap: 78px; }
  .blog-index { padding-top: 70px; }
  .blog-card time { margin-top: 30px; }
  .blog-card h1 { margin-top: 26px; font-size: clamp(2.15rem, 12vw, 3.1rem); }
  .blog-card p { margin-top: 24px; }
  .article-hero img,
  .article-hero picture { margin-top: 34px; }
  .article-cta { flex-direction: column; align-items: flex-start; }
  .fha-article .article-hero,
  .dscr-article .article-hero {
    display: block;
    padding: 22px 20px 24px;
  }
  .fha-article .article-hero h1,
  .dscr-article .article-hero h1 {
    font-size: clamp(2rem, 10vw, 2.75rem);
  }
  .article-hero-points {
    margin-top: 16px;
  }
  .fha-article .article-hero img,
  .dscr-article .article-hero img,
  .fha-article .article-hero picture,
  .dscr-article .article-hero picture {
    width: 100%;
    margin-top: 22px;
  }
  .fha-article .article-hero picture img,
  .dscr-article .article-hero picture img {
    margin-top: 0;
  }
  .dscr-roadmap {
    grid-template-columns: 1fr;
  }
  .article-step {
    padding-left: 24px;
  }
  .article-step::before {
    position: static;
    display: block;
    margin-bottom: 10px;
  }
  .dscr-article .article-step {
    padding: 26px 0;
  }
  .dscr-article .article-step::after {
    content: none;
  }
  .article-intro-panel {
    padding: 22px;
  }
  .footer-grid { row-gap: 42px; }
  .about { justify-content: stretch; }
  .site-nav { gap: 10px; font-size: .78rem; }
  .footer-brand-block,
  .footer-connect,
  .footer-office {
    text-align: left;
  }
  .socials {
    justify-content: flex-start;
  }
  .social-title {
    margin-top: 34px;
  }
}

@media (max-width: 880px) {
  .menu-toggle { display: block; }
  .site-nav {
    flex: none;
    position: absolute;
    top: 72px;
    left: 0;
    right: 0;
    display: none;
    flex-direction: column;
    align-items: stretch;
    justify-content: flex-start;
    gap: 0;
    background: white;
    color: var(--ink);
    border-bottom: 1px solid var(--line);
    box-shadow: 0 4px 12px rgba(0, 0, 0, .08);
  }
  .site-nav.open { display: flex; }
  .site-nav a { padding: 14px 24px; border-top: 1px solid var(--line); color: var(--ink); }
  .site-nav a.active,
  .site-nav a[aria-current="page"] {
    color: #6f7779;
  }
  .hero { min-height: 560px; }
  .hero-content { padding-top: 40px; }
  .button.secondary { margin-left: 0; margin-top: 12px; }
  .button.outline-light { margin-left: 0; }
  .steps, .loan-grid, .form-row { grid-template-columns: 1fr; }
  .contact-hero {
    overflow-x: clip;
  }
  .contact-form input,
  .contact-form textarea {
    max-width: 100%;
    font-size: 16px;
  }
  .cta-band {
    background:
      linear-gradient(rgba(24, 24, 24, .58), rgba(24, 24, 24, .58)),
      image-set(
        url("../images/index/loan-refinance-mobile.webp") type("image/webp"),
        url("../images/index/loan-refinance-mobile.jpg") type("image/jpeg")
      ) center/cover scroll;
  }
.about-intro img,
  .about-story img {
    min-height: 420px;
  }
}

@media (max-width: 980px) {
  .about-welcome-grid,
  .about-help-grid,
  .about-extra-grid,
  .about-feature-grid,
  .about-feature-reverse .about-feature-grid,
  .about-story-soft-grid {
    grid-template-columns: 1fr;
  }
  .about-feature-reverse img,
  .about-feature-reverse article {
    grid-column: auto;
    grid-row: auto;
  }
  .about-welcome-grid img,
  .about-feature img,
  .about-story-soft img {
    width: min(420px, 100%);
  }
  .about-section-heading {
    text-align: left;
  }
}

@media (max-width: 640px) {
  .about-hero-simple {
    min-height: 430px;
  }
  .about-welcome,
  .about-help,
  .about-extra,
  .about-feature,
  .about-story-soft,
  .about-contact-soft {
    padding-top: 46px;
    padding-bottom: 46px;
  }
  .about-help article {
    padding: 22px;
  }
}

@media (max-width: 980px) {
  .about-hero-simple {
    background:
      linear-gradient(rgba(247, 251, 250, .58), rgba(247, 251, 250, .58)),
      url("../images/about-karin/about-karin-cta-tablet.jpg") center 56% / cover no-repeat;
    background-image:
      linear-gradient(rgba(247, 251, 250, .58), rgba(247, 251, 250, .58)),
      image-set(url("../images/about-karin/about-karin-cta-tablet.webp") type("image/webp"), url("../images/about-karin/about-karin-cta-tablet.jpg") type("image/jpeg"));
  }
  .hero--loans {
    background-image: url("../images/loan-options/ftb-dpa-tablet.jpg");
    background-image: image-set(url("../images/loan-options/ftb-dpa-tablet.webp") type("image/webp"), url("../images/loan-options/ftb-dpa-tablet.jpg") type("image/jpeg"));
  }
  .hero--ftb {
    background: image-set(url("../images/first-time-home-buyer/ftb-consultation-tablet.webp") type("image/webp"), url("../images/first-time-home-buyer/ftb-consultation-tablet.jpg") type("image/jpeg")) center 24% / cover no-repeat;
  }
  .loans-page .hero--loans {
    min-height: 430px;
  }
  .va-page .hero--va {
    min-height: 430px;
    background: image-set(url("../images/va-loans/va-loans-hero-tablet.webp") type("image/webp"), url("../images/va-loans/va-loans-hero-tablet.jpg") type("image/jpeg")) center 40% / cover no-repeat;
  }
  .va-intro,
  .va-benefits,
  .va-details,
  .va-local,
  .va-cta-band {
    width: min(680px, calc(100% - 32px));
  }
  .va-intro-grid,
  .va-benefits-grid,
  .va-details-grid,
  .va-local-inner {
    grid-template-columns: 1fr;
  }
  .va-intro {
    padding-top: 42px;
  }
  .va-benefits,
  .va-details,
  .va-cta-band {
    padding: 28px 22px 34px;
  }
  .va-local-img img {
    min-height: 0;
    height: 280px;
  }
  .va-local-content {
    padding: 28px 22px 34px;
  }
  .loans-page .loans-cta-bar {
    margin-top: 0;
    width: 100%;
    border-radius: 0;
  }
  .loans-page .loans-intro-grid,
  .loans-page .about-story.loan-alt .about-story-grid,
  .loans-page .about-story.about-story-reverse .about-story-grid {
    grid-template-columns: 1fr;
  }
  .loans-page .about-story.loan-alt,
  .loans-page .about-story.about-story-reverse {
    width: min(680px, calc(100% - 32px));
    margin: 16px auto;
  }
  .loans-page .about-story.loan-text-card,
  .loans-page .about-story.about-story-reverse.loan-text-card,
  .loans-page .about-story.loan-alt.loan-text-card {
    display: block;
    width: min(680px, calc(100% - 32px));
    margin: 16px auto;
  }
  .loans-page .about-story.loan-alt article,
  .loans-page .about-story.about-story-reverse article {
    padding: 26px 22px 30px;
  }
  .loans-page .about-story.loan-alt img,
  .loans-page .about-story.about-story-reverse img,
  .loans-page .about-story.loan-alt picture,
  .loans-page .about-story.about-story-reverse picture {
    grid-row: 1;
    grid-column: 1;
    height: 240px;
    min-height: 0;
    max-height: none;
  }
  .loans-page .about-story.loan-alt picture img,
  .loans-page .about-story.about-story-reverse picture img {
    height: 240px;
    min-height: 0;
  }
  .loans-page .about-story.about-story-reverse article {
    grid-row: 2;
    grid-column: 1;
  }
}

/* First-time home buyer page */
/* -- Page-specific styles -- */
.hero--ftb {
  background: image-set(url("../images/first-time-home-buyer/ftb-consultation-desktop.webp") type("image/webp"), url("../images/first-time-home-buyer/ftb-consultation-desktop.jpg") type("image/jpeg")) center 24% / cover no-repeat;
  min-height: 680px;
}
.hero--ftb .hero-overlay {
  background:
    linear-gradient(180deg, rgba(8,27,29,.72), rgba(8,27,29,.5) 48%, rgba(8,27,29,.78)),
    linear-gradient(90deg, rgba(8,27,29,.54), rgba(8,27,29,.2), rgba(8,27,29,.5));
}
.hero--ftb .hero-content { padding-top: 50px; padding-bottom: 60px; }
.hero--ftb h1 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.6rem, 4vw, 4.4rem);
  line-height: 1.12;
  text-shadow: 0 3px 14px rgba(0,0,0,.48);
}
.hero--ftb p {
  font-size: clamp(1.15rem, 1.5vw, 1.5rem);
  max-width: 780px;
  margin-top: 22px;
  text-shadow: 0 2px 10px rgba(0,0,0,.46);
}
.hero--ftb .button.secondary:hover {
  background: rgba(255,255,255,.92);
  border-color: rgba(255,255,255,.92);
  color: #14264b;
  box-shadow: 0 8px 18px rgba(0,0,0,.22);
}

/* Market Overview split */
.market-overview {
  padding: 36px clamp(20px, 4vw, 60px);
}
.market-grid {
  display: grid;
  grid-template-columns: 1fr;
  gap: 28px;
  align-items: start;
  width: min(920px, 100%);
  margin: 0 auto;
}
.market-text h2 {
  font-family: Georgia, "Times New Roman", serif;
  color: #354553;
  font-size: clamp(1.8rem, 2.7vw, 2.85rem);
  margin-bottom: 16px;
}
.market-text p {
  color: var(--muted);
  font-size: clamp(.96rem, 1.06vw, 1.06rem);
  line-height: 1.62;
  margin-top: 10px;
}
.market-text ul {
  margin: 10px 0 0 20px;
  color: var(--muted);
  font-size: clamp(.96rem, 1.06vw, 1.06rem);
  line-height: 1.7;
}
.snapshot-card {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 0;
  background: var(--cream);
  border: 1px solid var(--line);
  border-radius: 8px;
  padding: 24px 22px;
  box-shadow: 0 12px 30px rgba(21,42,80,.07);
}
.snapshot-card h3 {
  grid-column: 1 / -1;
  font-family: Georgia, "Times New Roman", serif;
  color: #354553;
  font-size: 1.28rem;
  margin-bottom: 16px;
  text-align: center;
}
.snapshot-item {
  border-top: 1px solid var(--line);
  padding: 13px 16px 0;
}
.snapshot-item:first-of-type { border-top: 1px solid var(--line); padding-top: 13px; }
.snapshot-label {
  font-size: .78rem;
  font-weight: 800;
  letter-spacing: .08em;
  text-transform: uppercase;
  color: var(--teal);
  margin-bottom: 4px;
}
.snapshot-value {
  font-size: 1rem;
  color: var(--ink);
  font-weight: 400;
  line-height: 1.3;
}
.snapshot-note {
  font-size: .82rem;
  color: var(--muted);
  margin-top: 2px;
}
.market-cta {
  margin-top: 28px;
}

/* Loan programs section */
.loan-section {
  padding: 48px clamp(20px, 4vw, 60px);
}
.loan-section.band { background: var(--cream); }
.loan-section-heading {
  width: min(860px, 100%);
  margin: 0 auto 34px;
  text-align: center;
}
.loan-section-heading h2 {
  font-family: Georgia, "Times New Roman", serif;
  color: #354553;
  font-size: clamp(2rem, 3.5vw, 3.8rem);
}
.loan-section-heading p {
  color: var(--muted);
  font-size: clamp(1rem, 1.2vw, 1.18rem);
  margin-top: 14px;
}

.loan-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 0;
  align-items: stretch;
  width: min(1240px, 100%);
  margin: 0 auto 28px;
  border-radius: 12px;
  overflow: hidden;
  box-shadow: var(--shadow);
}
.loan-row img {
  width: 100%;
  height: 100%;
  min-height: 340px;
  object-fit: cover;
  display: block;
}
.loan-row-content {
  background: #fff;
  padding: clamp(32px, 4vw, 56px) clamp(28px, 3.5vw, 50px);
  display: flex;
  flex-direction: column;
  justify-content: center;
}
.loan-row-content h2 {
  font-family: Georgia, "Times New Roman", serif;
  color: #354553;
  font-size: clamp(1.8rem, 2.5vw, 2.8rem);
  margin-bottom: 6px;
}
.loan-row-content .eyebrow { color: var(--teal); margin-bottom: 10px; }
.loan-row-content p {
  color: var(--muted);
  font-size: clamp(1rem, 1.15vw, 1.15rem);
  line-height: 1.65;
  margin-top: 14px;
}
.loan-row-content .button {
  align-self: flex-start;
  margin-top: 26px;
  background: #14264b;
  border-color: #14264b;
  border-radius: 8px;
  color: white;
  font-weight: 700;
  text-transform: uppercase;
  font-size: .82rem;
  letter-spacing: .03em;
}
.loan-row-content .button:hover {
  background: #0e1c38;
  border-color: #0e1c38;
  box-shadow: 0 8px 18px rgba(20,38,75,.25);
}
.buyer-options-summary {
  width: min(860px, 100%);
  margin: 0 auto;
  padding: clamp(30px, 5vw, 48px);
  background: #fff;
  border: 1px solid rgba(29, 49, 82, .12);
  border-left: 4px solid rgba(71, 127, 128, .38);
  border-radius: 8px;
  box-shadow: 0 12px 30px rgba(21,42,80,.055);
  text-align: center;
}
.buyer-options-summary p {
  color: var(--muted);
  font-size: clamp(1rem, 1.14vw, 1.16rem);
  line-height: 1.7;
}
.buyer-options-summary .button {
  margin-top: 26px;
  border-radius: 8px;
  background: #14264b;
  border-color: #14264b;
  color: white;
  font-weight: 700;
  text-transform: uppercase;
  font-size: .82rem;
  letter-spacing: .03em;
}
.buyer-options-summary .button:hover {
  background: #0e1c38;
  border-color: #0e1c38;
  color: white;
  box-shadow: 0 8px 18px rgba(20,38,75,.25);
}
.ftb-timeline {
  display: grid;
  grid-template-columns: repeat(5, minmax(0, 1fr));
  gap: 14px;
  width: min(1120px, 100%);
  margin: 0 auto;
  counter-reset: step;
}
.ftb-timeline article {
  position: relative;
  padding: 72px 20px 24px;
  background: #fff;
  border: 1px solid rgba(29, 49, 82, .12);
  border-radius: 8px;
  box-shadow: 0 10px 24px rgba(21,42,80,.045);
  counter-increment: step;
}
.ftb-timeline article::before {
  content: counter(step);
  position: absolute;
  left: 50%;
  top: 22px;
  transform: translateX(-50%);
  display: inline-grid;
  place-items: center;
  width: 38px;
  height: 38px;
  border-radius: 999px;
  background: #14264b;
  color: #fff;
  font-weight: 700;
}
.ftb-timeline h3 {
  margin-bottom: 8px;
  color: #354553;
  font-size: clamp(1.02rem, 1.15vw, 1.16rem);
  line-height: 1.25;
  text-align: center;
}
.ftb-timeline p {
  color: var(--muted);
  font-size: .92rem;
  line-height: 1.55;
  text-align: center;
}
.ftb-page .section {
  padding-top: 48px;
  padding-bottom: 48px;
}
.ftb-page .section-heading {
  margin-bottom: 30px;
}
.ftb-page .section-heading.centered {
  width: min(860px, 100%);
}

/* DPA section */
.dpa-section {
  padding: 48px clamp(20px, 4vw, 60px);
}
.dpa-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  width: min(1080px, 100%);
  margin: 30px auto 0;
}
.dpa-grid--three {
  grid-template-columns: repeat(3, 1fr);
}
.dpa-card {
  background: var(--paper);
  border: 1px solid var(--line);
  border-radius: 12px;
  padding: 32px 28px;
  transition: transform .22s ease, box-shadow .22s ease;
}
.dpa-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 44px rgba(21,42,80,.12);
}
.dpa-card h3 {
  font-family: Georgia, "Times New Roman", serif;
  color: #354553;
  font-size: 1.4rem;
  margin-bottom: 12px;
  text-align: left;
}
.dpa-card p { color: var(--muted); font-size: 1rem; line-height: 1.65; }

/* FAQ accordion */
html {
  scrollbar-gutter: stable;
}
.faq-section {
  padding: 48px clamp(20px, 4vw, 60px);
}
.faq-list {
  list-style: none;
  width: min(860px, 100%);
  margin: 30px auto 0;
  padding: 0;
  display: grid;
  gap: 12px;
}
.faq-q {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  width: 100%;
  padding: 18px 22px;
  border: 1px solid rgba(29, 49, 82, .14);
  border-radius: 8px;
  background: #fff;
  color: #162a50;
  cursor: pointer;
  font: inherit;
  font-size: clamp(.98rem, 1.08vw, 1.08rem);
  font-weight: 700;
  text-align: left;
  transition: border-color .2s ease, box-shadow .2s ease;
}
.faq-q:hover,
.faq-q[aria-expanded="true"] {
  border-color: rgba(71, 127, 128, .58);
  box-shadow: 0 10px 24px rgba(21,42,80,.08);
}
.faq-q:focus-visible {
  outline: 2px solid var(--teal);
  outline-offset: 2px;
}
.faq-q::after {
  content: "?";
  color: var(--teal);
  font-size: .9rem;
  transition: transform .2s ease;
  flex-shrink: 0;
}
.faq-q[aria-expanded="true"]::after {
  transform: rotate(180deg);
}
body.faq-panel-open {
  overflow: hidden;
}
.faq-overlay {
  position: fixed;
  inset: 0;
  z-index: 1100;
  background: rgba(8, 27, 29, .48);
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transition: opacity .25s ease, visibility 0s .25s;
}
.faq-overlay.is-open {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transition: opacity .25s ease, visibility 0s;
}
.faq-panel {
  position: fixed;
  top: 50%;
  left: 50%;
  z-index: 1200;
  width: min(640px, calc(100% - 36px));
  height: min(520px, 76vh);
  display: flex;
  flex-direction: column;
  background: #fff;
  border-radius: 10px;
  box-shadow: 0 24px 70px rgba(8, 27, 29, .28);
  overflow: hidden;
  opacity: 0;
  visibility: hidden;
  pointer-events: none;
  transform: translate(-50%, -48%) scale(.97);
  transition: opacity .25s ease, transform .25s ease, visibility 0s .25s;
}
.faq-panel.is-open {
  opacity: 1;
  visibility: visible;
  pointer-events: auto;
  transform: translate(-50%, -50%) scale(1);
  transition: opacity .25s ease, transform .25s ease, visibility 0s;
}
.faq-panel-header {
  display: flex;
  justify-content: space-between;
  align-items: flex-start;
  gap: 16px;
  padding: 24px 28px 18px;
  border-bottom: 1px solid var(--line);
}
.faq-panel-label {
  color: var(--teal);
  font-size: .72rem;
  font-weight: 800;
  letter-spacing: .12em;
  text-transform: uppercase;
  margin-bottom: 6px;
}
.faq-panel-title {
  margin: 0;
  padding-right: 10px;
  color: #162a50;
  font-size: clamp(1.25rem, 1.7vw, 1.55rem);
  line-height: 1.3;
}
.faq-panel-close {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  width: 36px;
  height: 36px;
  border: 0;
  border-radius: 6px;
  background: transparent;
  color: var(--muted);
  cursor: pointer;
  font-size: 1.5rem;
  line-height: 1;
}
.faq-panel-close:hover {
  background: #f3f6f8;
  color: #162a50;
}
.faq-panel-body {
  flex: 1;
  min-height: 0;
  overflow-y: auto;
  padding: 24px 28px;
  color: var(--muted);
  font-size: clamp(.95rem, 1.1vw, 1.08rem);
  line-height: 1.7;
  overscroll-behavior: contain;
}
.faq-panel-nav {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 14px;
  padding: 14px 28px;
  border-top: 1px solid var(--line);
}
.faq-nav-btn {
  padding: 8px 14px;
  border: 1px solid var(--line);
  border-radius: 6px;
  background: #fff;
  color: #162a50;
  cursor: pointer;
  font: inherit;
  font-size: .86rem;
  font-weight: 700;
}
.faq-nav-btn:hover:not(:disabled) {
  border-color: var(--teal);
  background: #f7fbfa;
}
.faq-nav-btn:disabled {
  opacity: .4;
  cursor: not-allowed;
}
.faq-nav-count {
  color: var(--muted);
  font-size: .84rem;
  font-weight: 700;
}

/* Final CTA band */
.ftb-cta-band {
  position: relative;
  display: grid;
  align-items: center;
  min-height: 580px;
  padding: clamp(60px, 8vw, 110px) clamp(20px, 4vw, 60px);
  background:
    linear-gradient(rgba(8,27,29,.6), rgba(8,27,29,.6)),
    image-set(url("../images/first-time-home-buyer/ftb-couple-keys-desktop.webp") type("image/webp"), url("../images/first-time-home-buyer/ftb-couple-keys-desktop.jpg") type("image/jpeg")) center / cover no-repeat;
  color: white;
  text-align: center;
}
.ftb-cta-band h2 {
  font-family: Georgia, "Times New Roman", serif;
  font-size: clamp(2.2rem, 3.2vw, 3.6rem);
  text-shadow: 0 2px 10px rgba(0,0,0,.35);
  width: min(900px, 100%);
  margin: 0 auto;
}
.ftb-cta-band p {
  margin: 22px auto 0;
  max-width: 720px;
  font-size: clamp(1rem, 1.2vw, 1.2rem);
  opacity: .92;
  line-height: 1.55;
}
.ftb-cta-band .button.dark-navy {
  min-height: 46px;
  padding: 13px 24px;
  font-size: .84rem;
}

/* -- Responsive -- */
@media (max-width: 860px) {
  .snapshot-card { padding: 20px; }
  .snapshot-item,
  .snapshot-item:first-of-type { padding: 12px 12px 0; }
  .loan-row { grid-template-columns: 1fr; }
  .loan-row img { min-height: 240px; height: 240px; }
  .loan-row.reverse img { order: -1; }
  .dpa-grid,
  .dpa-grid--three { grid-template-columns: 1fr; }
  .ftb-timeline { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 600px) {
  .about-hero-simple {
    background:
      linear-gradient(rgba(247, 251, 250, .58), rgba(247, 251, 250, .58)),
      url("../images/about-karin/about-karin-cta-mobile.jpg") center 56% / cover no-repeat;
    background-image:
      linear-gradient(rgba(247, 251, 250, .58), rgba(247, 251, 250, .58)),
      image-set(url("../images/about-karin/about-karin-cta-mobile.webp") type("image/webp"), url("../images/about-karin/about-karin-cta-mobile.jpg") type("image/jpeg"));
  }
  .hero--loans {
    background-image: url("../images/loan-options/ftb-dpa-mobile.jpg");
    background-image: image-set(url("../images/loan-options/ftb-dpa-mobile.webp") type("image/webp"), url("../images/loan-options/ftb-dpa-mobile.jpg") type("image/jpeg"));
  }
  .va-page .hero--va {
    background: image-set(url("../images/va-loans/va-loans-hero-mobile.webp") type("image/webp"), url("../images/va-loans/va-loans-hero-mobile.jpg") type("image/jpeg")) center 40% / cover no-repeat;
  }
  .hero--ftb {
    min-height: 560px;
    background: image-set(url("../images/first-time-home-buyer/ftb-consultation-mobile.webp") type("image/webp"), url("../images/first-time-home-buyer/ftb-consultation-mobile.jpg") type("image/jpeg")) center 24% / cover no-repeat;
  }
  .ftb-timeline { grid-template-columns: 1fr; }
  .ftb-timeline article {
    padding: 22px 22px 22px 70px;
  }
  .ftb-timeline article::before {
    left: 22px;
    top: 22px;
    transform: none;
  }
  .ftb-timeline h3,
  .ftb-timeline p {
    text-align: left;
  }
}
@media (max-width: 767px) {
  .faq-panel {
    top: auto;
    left: 0;
    right: 0;
    bottom: 0;
    width: 100%;
    height: 85vh;
    max-height: 85vh;
    border-radius: 16px 16px 0 0;
    transform: translateY(100%);
    opacity: 1;
  }
  .faq-panel.is-open {
    transform: translateY(0);
  }
  .faq-panel-header,
  .faq-panel-body,
  .faq-panel-nav {
    padding-left: 20px;
    padding-right: 20px;
  }
}
@media (max-width: 520px) {
  .snapshot-card { grid-template-columns: 1fr; }
  .snapshot-item,
  .snapshot-item:first-of-type { padding: 12px 0; }
}
.ftb-page .eyebrow-teal {
  color: var(--teal);
}
.ftb-page .eyebrow-coral {
  color: var(--coral);
}
.ftb-page .dpa-intro {
  max-width: 760px;
  margin: 0 auto;
  color: var(--muted);
  font-size: clamp(1rem, 1.15vw, 1.15rem);
  text-align: center;
}
.ftb-page .dpa-subheading {
  text-align: center;
  color: #354553;
  font-size: clamp(.95rem, 1.1vw, 1.1rem);
  font-weight: 600;
  margin: 18px auto 0;
}
.ftb-page .dpa-disclaimer {
  max-width: 960px;
  margin: 32px auto 0;
  padding: 20px 24px;
  background: #fff;
  border: 1px solid rgba(29, 49, 82, .12);
  border-left: 4px solid rgba(29, 49, 82, .3);
  border-radius: 8px;
  color: var(--muted);
  font-size: .82rem;
  line-height: 1.65;
  font-style: italic;
}
.ftb-page .dpa-cta {
  max-width: 600px;
  margin: 32px auto 0;
  text-align: center;
}
.ftb-page .dpa-cta p {
  color: var(--muted);
  font-size: clamp(.95rem, 1.1vw, 1.1rem);
  margin-bottom: 14px;
}
.ftb-page .dpa-button {
  display: inline-flex;
  align-items: center;
  margin-top: 18px;
  padding: 12px 20px;
  border-radius: 8px;
  background: #14264b;
  border-color: #14264b;
  color: white;
  font-size: .82rem;
  font-weight: 700;
  letter-spacing: .03em;
  text-decoration: none;
  text-transform: uppercase;
}