:root {
  --ink: #201f2f;
  --ink-2: #302e43;
  --ink-3: #45425b;
  --accent: #201f2f;
  --accent-dark: #12111c;
  --accent-soft: #eeedf2;
  --violet-wash: #e4e2e9;
  --warm: #f5f4f8;
  --warm-2: #e9e7ef;
  --soft: #f7f7fa;
  --mint: #efeff2;
  --mint-dark: #201f2f;
  --sand: #eeecf5;
  --green: #201f2f;
  --green-soft: #efeff2;
  --orange: #8a8494;
  --white: #ffffff;
  --muted: #686676;
  --line: #dedde3;
  --line-dark: rgba(255, 255, 255, .14);
  --shadow-sm: 0 14px 38px rgba(32, 31, 47, .08);
  --shadow: 0 28px 80px rgba(32, 31, 47, .14);
  --radius-sm: 16px;
  --radius: 26px;
  --radius-lg: 38px;
  --shell: 1260px;
  --gutter: clamp(20px, 4vw, 48px);
  --header-height: 82px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 120px; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: "Inter", -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  text-rendering: optimizeLegibility;
}
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; }
picture { display: block; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }

h1, h2, h3, h4 {
  margin: 0;
  font-family: "Inter Tight", "Inter", sans-serif;
  font-weight: 700;
  line-height: .98;
  letter-spacing: -.055em;
}
h1 { font-size: clamp(3.6rem, 6.25vw, 6.7rem); }
h2 { font-size: clamp(2.65rem, 4.4vw, 4.75rem); }
h3 { font-size: clamp(1.45rem, 2.1vw, 2rem); line-height: 1.08; letter-spacing: -.035em; }
p { margin: 0; color: var(--muted); }
em { color: var(--accent); font-style: normal; }

.shell { width: min(calc(100% - (var(--gutter) * 2)), var(--shell)); margin-inline: auto; }
.section { position: relative; padding: clamp(82px, 9vw, 138px) 0; }
.section--soft { background: var(--soft); }
.section--warm { background: var(--warm); }
.section--dark { color: var(--white); background: var(--ink); }
.section--dark p { color: rgba(255, 255, 255, .72); }
.center-action { display: flex; justify-content: center; margin-top: 46px; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0, 0, 0, 0); white-space: nowrap; border: 0; }
.skip-link { position: fixed; z-index: 9999; top: 10px; left: 10px; padding: 12px 16px; transform: translateY(-150%); border-radius: 10px; color: var(--white); background: var(--ink); }
.skip-link:focus { transform: translateY(0); }

.eyebrow {
  display: flex;
  align-items: center;
  gap: 11px;
  margin-bottom: 22px;
  color: var(--ink-3);
  font-size: .72rem;
  font-weight: 800;
  line-height: 1.2;
  letter-spacing: .11em;
  text-transform: uppercase;
}
.eyebrow > span { width: 25px; height: 2px; border-radius: 99px; background: var(--accent); }
.eyebrow--light { color: rgba(255,255,255,.72); }
.eyebrow--light > span { background: #e4e2e9; }
.hero__lead { max-width: 690px; margin-top: 30px; font-size: clamp(1.08rem, 1.6vw, 1.33rem); line-height: 1.6; }
.large-copy { font-size: clamp(1.04rem, 1.45vw, 1.22rem); line-height: 1.75; }
.fine-print { font-size: .74rem; line-height: 1.6; }

.button {
  display: inline-flex;
  min-height: 56px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 15px 24px;
  border: 1px solid transparent;
  border-radius: 999px;
  font-size: .88rem;
  font-weight: 750;
  line-height: 1;
  letter-spacing: -.01em;
  text-align: center;
  transition: transform .2s ease, box-shadow .2s ease, background-color .2s ease, border-color .2s ease;
}
.button:hover { transform: translateY(-2px); }
.button:focus-visible, .text-link:focus-visible, .primary-nav a:focus-visible { outline: 3px solid rgba(32,31,47,.32); outline-offset: 4px; }
.button--small { min-height: 44px; padding: 12px 19px; font-size: .78rem; }
.button--accent { color: var(--white); background: var(--accent); box-shadow: 0 14px 30px rgba(32, 31, 47, .25); }
.button--accent:hover { background: var(--accent-dark); box-shadow: 0 17px 36px rgba(32, 31, 47, .32); }
.button--dark { color: var(--white); background: var(--ink); box-shadow: 0 14px 28px rgba(32, 31, 47, .15); }
.button--dark:hover { background: #0f0e19; }
.button--ghost { border-color: var(--line); color: var(--ink); background: rgba(255,255,255,.76); }
.button--ghost:hover { border-color: var(--ink); background: var(--white); }
.button--light { color: var(--ink); background: var(--white); }
.button--light:hover { background: #f3f1f7; }
.button--outline-light { border-color: rgba(255,255,255,.5); color: var(--white); background: rgba(255,255,255,.05); }
.button--outline-light:hover { border-color: var(--white); background: rgba(255,255,255,.12); }
.button--full { width: 100%; }
.button-row { display: flex; align-items: center; flex-wrap: wrap; gap: 24px; margin-top: 32px; }
.text-link { display: inline-flex; align-items: center; gap: 8px; color: var(--ink); font-size: .84rem; font-weight: 780; line-height: 1.4; }
.text-link b { color: var(--accent); font-size: 1.12rem; transition: transform .2s ease; }
.text-link:hover b { transform: translateX(4px); }

/* Announcement and header */
.rate-strip { position: relative; z-index: 80; color: var(--white); background: var(--ink); }
.rate-strip__inner { min-height: 38px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.rate-strip__copy { display: flex; align-items: center; gap: 8px; font-size: .68rem; letter-spacing: .01em; }
.rate-strip__copy strong { font-weight: 760; }
.rate-strip__copy [data-rate-date] { color: rgba(255,255,255,.6); }
.rate-strip__dot { width: 7px; height: 7px; border-radius: 50%; background: #ffffff; box-shadow: 0 0 0 5px rgba(255,255,255,.12); }
.rate-strip a { color: rgba(255,255,255,.72); font-size: .68rem; font-weight: 700; }
.rate-strip a:hover { color: var(--white); }

.site-header { position: sticky; z-index: 70; top: 0; border-bottom: 1px solid rgba(32,31,47,.08); background: rgba(255,255,255,.91); backdrop-filter: blur(18px); -webkit-backdrop-filter: blur(18px); transition: box-shadow .25s ease, background-color .25s ease; }
.site-header.is-scrolled { background: rgba(255,255,255,.97); box-shadow: 0 10px 35px rgba(32,31,47,.08); }
.site-header__inner { min-height: var(--header-height); display: flex; align-items: center; gap: 28px; }
.brand { display: inline-flex; flex: 0 0 auto; flex-direction: column; justify-content: center; min-width: 112px; line-height: 1; }
.brand__word { font-family: "Inter Tight", "Inter", sans-serif; font-size: 2.08rem; font-weight: 800; line-height: .76; letter-spacing: -.085em; }
.brand__descriptor { margin-top: 8px; color: var(--muted); font-size: .45rem; font-weight: 750; letter-spacing: .08em; text-transform: uppercase; }
.primary-nav { display: flex; flex: 1; align-items: center; justify-content: center; gap: clamp(13px, 1.6vw, 25px); }
.primary-nav a { position: relative; padding: 29px 0; color: var(--ink-3); font-size: .76rem; font-weight: 700; white-space: nowrap; }
.primary-nav a::after { position: absolute; right: 0; bottom: 20px; left: 0; height: 2px; transform: scaleX(0); transform-origin: center; border-radius: 9px; background: var(--accent); content: ""; transition: transform .2s ease; }
.primary-nav a:hover, .primary-nav a.is-active { color: var(--ink); }
.primary-nav a:hover::after, .primary-nav a.is-active::after { transform: scaleX(1); }
.header-actions { display: flex; flex: 0 0 auto; align-items: center; gap: 15px; }
.header-phone { color: var(--ink-3); font-size: .72rem; font-weight: 750; white-space: nowrap; }
.header-phone:hover { color: var(--accent-dark); }
.menu-toggle { display: none; width: 44px; height: 44px; padding: 10px; border: 0; border-radius: 50%; background: var(--soft); }
.menu-toggle span:not(.sr-only) { display: block; width: 20px; height: 2px; margin: 4px auto; border-radius: 5px; background: var(--ink); transition: transform .2s ease, opacity .2s ease; }

/* Home hero */
.home-hero { overflow: hidden; padding: clamp(70px, 7.8vw, 118px) 0 clamp(92px, 8vw, 126px); background: linear-gradient(180deg, #fff 0%, #f8f8fb 100%); }
.home-hero::before { position: absolute; top: -15%; right: -8%; width: 45vw; height: 45vw; border-radius: 50%; background: radial-gradient(circle, rgba(220,214,245,.65), rgba(220,214,245,0) 68%); content: ""; pointer-events: none; }
.hero__grid { display: grid; grid-template-columns: minmax(0,.84fr) minmax(520px,1.16fr); gap: clamp(46px, 6vw, 90px); align-items: center; }
.hero__content { position: relative; z-index: 2; }
.hero__content h1 { max-width: 760px; }
.hero__actions { display: flex; align-items: center; flex-wrap: wrap; gap: 14px; margin-top: 36px; }
.hero__microcopy { display: flex; flex-wrap: wrap; gap: 12px 25px; margin-top: 25px; color: var(--muted); font-size: .72rem; font-weight: 650; }
.hero__microcopy span { display: inline-flex; align-items: center; gap: 7px; }
.hero__microcopy i { display: grid; width: 20px; height: 20px; place-items: center; border-radius: 50%; color: var(--green); background: var(--green-soft); font-size: .67rem; font-style: normal; font-weight: 900; }

.hero-collage { position: relative; min-height: 650px; }
.hero-collage figure { margin: 0; overflow: hidden; background: var(--warm-2); box-shadow: var(--shadow-sm); }
.hero-collage img { width: 100%; height: 100%; object-fit: cover; }
.hero-collage__main { position: absolute; z-index: 2; top: 66px; left: 0; width: 62%; height: 74%; border-radius: 34px; }
.hero-collage__main::after { position: absolute; inset: 45% 0 0; background: linear-gradient(180deg, transparent, rgba(21,20,31,.7)); content: ""; }
.hero-collage__main figcaption { position: absolute; z-index: 2; right: 28px; bottom: 27px; left: 28px; display: flex; flex-direction: column; color: var(--white); }
.hero-collage__main figcaption span { font-size: .66rem; font-weight: 750; letter-spacing: .08em; text-transform: uppercase; }
.hero-collage__main figcaption strong { max-width: 300px; margin-top: 5px; font-family: "Inter Tight", sans-serif; font-size: 1.45rem; line-height: 1.08; letter-spacing: -.035em; }
.hero-collage__tile { position: absolute; border-radius: 28px; }
.hero-collage__tile--home { z-index: 1; top: 0; right: 0; width: 39%; height: 43%; }
.hero-collage__tile--family { z-index: 3; right: 0; bottom: 0; width: 43%; height: 48%; border: 10px solid var(--white); }
.floating-card { position: absolute; z-index: 5; display: flex; border: 1px solid rgba(255,255,255,.7); background: rgba(255,255,255,.92); box-shadow: var(--shadow); backdrop-filter: blur(14px); -webkit-backdrop-filter: blur(14px); }
.floating-card--rate { top: 24px; left: 38%; width: 195px; flex-direction: column; padding: 19px 21px; border-radius: 19px; }
.floating-card--rate span { color: var(--muted); font-size: .58rem; font-weight: 750; letter-spacing: .05em; text-transform: uppercase; }
.floating-card--rate strong { margin: 4px 0 0; font-family: "Inter Tight", sans-serif; font-size: 1.85rem; line-height: 1; letter-spacing: -.05em; }
.floating-card--rate small { margin-top: 6px; color: var(--muted); font-size: .58rem; }
.floating-card--support { bottom: 37px; left: -28px; align-items: center; gap: 12px; padding: 13px 16px 13px 13px; border-radius: 18px; }
.floating-card--support > span:last-child { display: flex; flex-direction: column; }
.floating-card--support strong { font-size: .75rem; }
.floating-card--support small { color: var(--muted); font-size: .61rem; }
.support-icon { display: grid; width: 42px; height: 42px; place-items: center; border-radius: 50%; color: var(--white); background: var(--accent); font-size: .62rem; font-weight: 850; letter-spacing: -.02em; }

.proof-bar { position: relative; z-index: 3; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--white); }
.proof-bar__grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.proof-bar__grid > div { min-height: 122px; display: flex; flex-direction: column; justify-content: center; padding: 23px clamp(18px, 3vw, 38px); border-left: 1px solid var(--line); }
.proof-bar__grid > div:last-child { border-right: 1px solid var(--line); }
.proof-bar__grid strong { font-family: "Inter Tight", sans-serif; font-size: 1.23rem; line-height: 1.05; letter-spacing: -.035em; }
.proof-bar__grid span { margin-top: 7px; color: var(--muted); font-size: .67rem; line-height: 1.5; }

.section-heading { margin-bottom: clamp(42px, 6vw, 72px); }
.section-heading h2 { max-width: 850px; }
.section-heading > p { max-width: 490px; font-size: .98rem; }
.section-heading--split { display: flex; align-items: end; justify-content: space-between; gap: 55px; }
.section-heading--center { max-width: 850px; margin-right: auto; margin-left: auto; text-align: center; }
.section-heading--center .eyebrow { justify-content: center; }
.section-heading--center p { max-width: 660px; margin: 22px auto 0; }

/* Goal cards */
.goal-section { overflow: hidden; }
.path-grid { display: grid; grid-template-columns: repeat(3, minmax(0,1fr)); gap: 22px; }
.path-card { position: relative; overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); transition: transform .25s ease, box-shadow .25s ease, border-color .25s ease; }
.path-card:hover { transform: translateY(-7px); border-color: transparent; box-shadow: var(--shadow); }
.path-card__media { position: relative; display: block; height: 260px; overflow: hidden; background: var(--warm); }
.path-card__media::after { position: absolute; inset: 0; background: linear-gradient(180deg, transparent 55%, rgba(20,19,30,.24)); content: ""; }
.path-card__media img { width: 100%; height: 100%; object-fit: cover; transition: transform .55s ease; }
.path-card:hover .path-card__media img { transform: scale(1.035); }
.path-card__number { position: absolute; z-index: 2; top: 18px; left: 18px; display: grid; width: 44px; height: 44px; place-items: center; border-radius: 50%; color: var(--ink); background: rgba(255,255,255,.92); font-family: "Inter Tight", sans-serif; font-size: .72rem; font-weight: 800; box-shadow: 0 8px 20px rgba(32,31,47,.12); }
.path-card__body { display: block; padding: 31px 30px 34px; }
.path-card__label { display: block; margin-bottom: 12px; color: var(--accent-dark); font-size: .66rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; }
.path-card h3 { margin-bottom: 15px; font-size: clamp(1.8rem,2.8vw,2.45rem); }
.path-card p { min-height: 78px; margin-bottom: 25px; font-size: .87rem; }
.path-card .text-link { color: var(--accent-dark); }

/* Broker comparison */
.broker-story { display: grid; grid-template-columns: minmax(0,.84fr) minmax(0,1.16fr); gap: clamp(48px, 7vw, 100px); align-items: center; }
.broker-story__visual { position: relative; min-height: 700px; overflow: visible; }
.broker-story__visual picture { height: 100%; min-height: 700px; overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.broker-story__visual img { width: 100%; height: 100%; min-height: 700px; object-fit: cover; }
.photo-note { position: absolute; right: -32px; bottom: 36px; width: min(330px, 74%); display: grid; grid-template-columns: 42px 1fr; padding: 21px; border: 1px solid rgba(255,255,255,.7); border-radius: 21px; background: rgba(255,255,255,.94); box-shadow: var(--shadow); backdrop-filter: blur(14px); }
.photo-note > span { grid-row: span 2; display: grid; width: 36px; height: 36px; place-items: center; border-radius: 50%; color: var(--white); background: var(--accent); }
.photo-note strong { font-family: "Inter Tight", sans-serif; font-size: 1.02rem; line-height: 1.08; letter-spacing: -.025em; }
.photo-note small { margin-top: 5px; color: var(--muted); font-size: .63rem; line-height: 1.45; }
.broker-story__content h2 { margin-bottom: 27px; }
.comparison-card { overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow-sm); }
.comparison-card--compact { margin-top: 35px; }
.comparison-card__header, .comparison-row { display: grid; grid-template-columns: .8fr 1.12fr 1.08fr; }
.comparison-card__header { color: var(--white); background: var(--ink); }
.comparison-card__header > * { padding: 15px 16px; border-right: 1px solid rgba(255,255,255,.11); font-size: .66rem; line-height: 1.35; }
.comparison-card__header strong { font-weight: 750; }
.comparison-row { border-top: 1px solid var(--line); }
.comparison-row > * { margin: 0; padding: 16px; border-right: 1px solid var(--line); font-size: .68rem; line-height: 1.5; }
.comparison-row > *:last-child, .comparison-card__header > *:last-child { border-right: 0; }
.comparison-row > span { color: var(--ink); background: #f8f8fb; font-weight: 760; }
.comparison-row p { color: var(--muted); }
.comparison-row i { display: inline-grid; width: 20px; height: 20px; margin-right: 5px; place-items: center; border-radius: 50%; color: var(--green); background: var(--green-soft); font-size: .63rem; font-style: normal; font-weight: 900; }
.broker-story__content .fine-print { margin-top: 20px; }

/* Loan product cards */
.product-showcase { overflow: hidden; }
.loan-grid { display: grid; grid-template-columns: repeat(4, minmax(0,1fr)); gap: 18px; }
.loan-card { position: relative; min-height: 480px; display: flex; flex-direction: column; padding: 29px; overflow: hidden; border-radius: var(--radius); transition: transform .25s ease, box-shadow .25s ease; }
.loan-card:hover { transform: translateY(-7px); box-shadow: var(--shadow); }
.loan-card--violet { background: var(--violet-wash); }
.loan-card--mint { background: var(--mint); }
.loan-card--sand { background: var(--sand); }
.loan-card--ink { color: var(--white); background: var(--ink); }
.loan-card__index { position: absolute; top: 26px; right: 26px; color: rgba(32,31,47,.32); font-family: "Inter Tight", sans-serif; font-size: .68rem; font-weight: 800; }
.loan-card--ink .loan-card__index { color: rgba(255,255,255,.42); }
.loan-card__tag { align-self: flex-start; padding: 8px 12px; border-radius: 999px; color: var(--ink); background: rgba(255,255,255,.58); font-size: .61rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; }
.loan-card--ink .loan-card__tag { color: var(--white); background: rgba(255,255,255,.12); }
.loan-card h3 { margin-top: 52px; font-size: clamp(2.3rem,3.3vw,3.5rem); }
.loan-card > p { margin-top: 20px; font-size: .83rem; }
.loan-card--ink > p { color: rgba(255,255,255,.7); }
.loan-card > div { margin-top: auto; padding-top: 36px; }
.loan-card > div span, .loan-card > div strong { display: block; }
.loan-card > div span { color: var(--muted); font-size: .6rem; font-weight: 750; letter-spacing: .06em; text-transform: uppercase; }
.loan-card--ink > div span { color: rgba(255,255,255,.5); }
.loan-card > div strong { margin-top: 6px; font-size: .75rem; line-height: 1.4; }
.loan-card__arrow { position: absolute; right: 26px; bottom: 25px; display: grid; width: 42px; height: 42px; place-items: center; border-radius: 50%; color: var(--ink); background: rgba(255,255,255,.65); font-size: 1.1rem; transition: transform .2s ease; }
.loan-card:hover .loan-card__arrow { transform: rotate(8deg) translate(2px,-2px); }
.loan-card--ink .loan-card__arrow { color: var(--white); background: rgba(255,255,255,.12); }
.loan-card > div { padding-right: 48px; }

/* Lifestyle feature */
.lifestyle-feature { overflow: hidden; padding: 0; color: var(--white); background: var(--accent-dark); }
.lifestyle-feature__grid { min-height: 760px; display: grid; grid-template-columns: .86fr 1.14fr; align-items: stretch; }
.lifestyle-feature__copy { display: flex; flex-direction: column; justify-content: center; padding: clamp(75px, 8vw, 120px) clamp(35px, 6vw, 90px) clamp(75px, 8vw, 120px) 0; }
.lifestyle-feature__copy h2 { max-width: 650px; }
.lifestyle-feature__copy > p { max-width: 600px; margin-top: 28px; color: rgba(255,255,255,.75); font-size: 1.03rem; }
.lifestyle-feature__copy .button { align-self: flex-start; margin-top: 33px; }
.lifestyle-feature__visual { position: relative; min-height: 760px; }
.lifestyle-feature__visual::after { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(32,31,47,.55), transparent 35%); content: ""; }
.lifestyle-feature__visual picture, .lifestyle-feature__visual img { width: 100%; height: 100%; }
.lifestyle-feature__visual img { object-fit: cover; }
.lifestyle-stat { position: absolute; z-index: 2; right: 28px; bottom: 28px; display: flex; max-width: 270px; flex-direction: column; padding: 20px 22px; border: 1px solid rgba(255,255,255,.4); border-radius: 20px; background: rgba(32,31,47,.74); backdrop-filter: blur(14px); }
.lifestyle-stat strong { font-family: "Inter Tight", sans-serif; font-size: 1.25rem; letter-spacing: -.03em; }
.lifestyle-stat span { margin-top: 4px; color: rgba(255,255,255,.72); font-size: .66rem; }
.trust-list { display: flex; flex-wrap: wrap; gap: 12px 22px; margin: 26px 0 0; padding: 0; list-style: none; }
.trust-list li { display: inline-flex; align-items: center; gap: 8px; color: var(--ink-3); font-size: .73rem; font-weight: 650; }
.trust-list li > span { display: grid; width: 21px; height: 21px; place-items: center; border-radius: 50%; color: var(--green); background: var(--green-soft); font-size: .63rem; font-weight: 900; }
.trust-list--light { display: grid; gap: 12px; }
.trust-list--light li { color: rgba(255,255,255,.82); }
.trust-list--light li > span { color: var(--white); background: rgba(255,255,255,.14); }

/* Process */
.process-section { overflow: hidden; }
.process-layout--visual { display: grid; grid-template-columns: minmax(0,1.04fr) minmax(0,.96fr); gap: clamp(50px,7vw,105px); align-items: center; }
.process-photo { position: relative; min-height: 690px; overflow: hidden; border-radius: var(--radius-lg); }
.process-photo::after { position: absolute; inset: 45% 0 0; background: linear-gradient(180deg, transparent, rgba(20,19,30,.78)); content: ""; }
.process-photo picture, .process-photo img { width: 100%; height: 100%; min-height: 690px; }
.process-photo img { object-fit: cover; }
.process-photo > span { position: absolute; z-index: 2; right: 30px; bottom: 28px; left: 30px; color: var(--white); font-family: "Inter Tight", sans-serif; font-size: clamp(1.4rem,2.2vw,2.25rem); font-weight: 700; line-height: 1.05; letter-spacing: -.04em; }
.process-copy h2 { margin-bottom: 25px; }
.process-copy > p { font-size: 1rem; }
.process-list { margin: 38px 0; padding: 0; list-style: none; }
.process-list li { display: grid; grid-template-columns: 56px 1fr; gap: 18px; padding: 22px 0; border-top: 1px solid var(--line-dark); }
.process-list li:last-child { border-bottom: 1px solid var(--line-dark); }
.process-list li > span { display: grid; width: 42px; height: 42px; place-items: center; border: 1px solid rgba(255,255,255,.2); border-radius: 50%; color: #e4e2e9; font-family: "Inter Tight", sans-serif; font-size: .64rem; font-weight: 800; }
.process-list h3 { color: var(--white); font-size: 1.25rem; }
.process-list p { margin-top: 7px; font-size: .78rem; }

/* Calculator */
.calculator-layout { display: grid; grid-template-columns: minmax(0,.92fr) minmax(0,1.08fr); gap: clamp(45px,7vw,95px); align-items: center; }
.calculator-copy h2 { max-width: 610px; }
.calculator-copy > p { max-width: 590px; margin-top: 26px; font-size: 1rem; }
.calculator-photo { position: relative; height: 265px; margin-top: 35px; overflow: hidden; border-radius: var(--radius); }
.calculator-photo::after { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(32,31,47,.72), rgba(32,31,47,.04)); content: ""; }
.calculator-photo picture, .calculator-photo img { width: 100%; height: 100%; }
.calculator-photo img { object-fit: cover; }
.calculator-photo > span { position: absolute; z-index: 2; top: 50%; left: 28px; max-width: 260px; transform: translateY(-50%); color: rgba(255,255,255,.78); font-size: .72rem; line-height: 1.55; }
.calculator-photo strong { display: block; margin-bottom: 7px; color: var(--white); font-family: "Inter Tight", sans-serif; font-size: 1.22rem; line-height: 1.06; letter-spacing: -.03em; }
.mortgage-calculator { padding: clamp(28px,4vw,48px); border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow); }
.calculator-form__heading { display: flex; flex-direction: column; margin-bottom: 27px; }
.calculator-form__heading span { color: var(--accent-dark); font-size: .65rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.calculator-form__heading strong { margin-top: 6px; font-family: "Inter Tight", sans-serif; font-size: 1.65rem; line-height: 1; letter-spacing: -.035em; }
.field-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.field-grid label > span, .full-field > span { display: block; margin-bottom: 7px; color: var(--ink-3); font-size: .69rem; font-weight: 750; }
.input-wrap { min-height: 58px; display: flex; align-items: center; gap: 8px; padding: 0 16px; border: 1px solid var(--line); border-radius: 14px; background: #fbfbfd; transition: border-color .2s ease, box-shadow .2s ease; }
.input-wrap:focus-within { border-color: var(--accent); box-shadow: 0 0 0 4px rgba(32,31,47,.1); }
.input-wrap b { color: var(--muted); font-size: .82rem; }
.input-wrap input, .input-wrap select { width: 100%; padding: 14px 0; border: 0; outline: 0; color: var(--ink); background: transparent; font-size: .92rem; font-weight: 700; }
.calculator-result { margin: 26px 0 18px; padding: 25px 26px; border-radius: 19px; color: var(--white); background: var(--ink); }
.calculator-result > * { display: block; }
.calculator-result span { color: rgba(255,255,255,.65); font-size: .66rem; font-weight: 700; }
.calculator-result strong { margin-top: 4px; font-family: "Inter Tight", sans-serif; font-size: 2.7rem; line-height: 1; letter-spacing: -.05em; }
.calculator-result small { margin-top: 9px; color: rgba(255,255,255,.55); font-size: .58rem; line-height: 1.45; }
.calculator-result-mobile { display: none; }

/* Licensing map */
.licensing-layout { display: grid; grid-template-columns: minmax(0,.78fr) minmax(0,1.22fr); gap: clamp(45px,7vw,95px); align-items: center; }
.licensing-copy h2 { max-width: 620px; }
.licensing-copy > p { margin-top: 25px; }
.license-legend { display: flex; flex-wrap: wrap; gap: 16px; margin: 27px 0; }
.license-legend span { display: inline-flex; align-items: center; gap: 7px; color: var(--muted); font-size: .68rem; font-weight: 650; }
.legend-dot { display: inline-block; width: 11px; height: 11px; border: 1px solid #bab8c3; border-radius: 50%; background: #e4e3e7; }
.legend-dot--licensed { border-color: var(--accent); background: var(--accent); }
.legend-dot--pending { border-color: #8a8494; background: #e4e2e9; }
.state-detail { padding: 26px; border: 1px solid var(--line); border-radius: 20px; background: var(--white); box-shadow: var(--shadow-sm); }
.status-pill { display: inline-flex; padding: 7px 10px; border-radius: 999px; font-size: .58rem; font-weight: 850; letter-spacing: .07em; text-transform: uppercase; }
.status-pill--licensed { color: var(--green); background: var(--green-soft); }
.status-pill--pending { color: #504d5d; background: #eeedf2; }
.state-detail h3 { margin-top: 15px; font-size: 1.8rem; }
.state-detail p { margin-top: 9px; font-size: .78rem; }
.state-detail small { display: block; margin: 13px 0; color: var(--muted); font-size: .65rem; }
.us-map-card { padding: clamp(25px,4vw,45px); overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow); }
.map-card__heading { display: flex; flex-direction: column; margin-bottom: 12px; }
.map-card__heading span { color: var(--accent-dark); font-size: .61rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.map-card__heading strong { margin-top: 3px; font-family: "Inter Tight", sans-serif; font-size: 1.5rem; letter-spacing: -.035em; }
.us-map { width: 100%; height: auto; overflow: visible; }
.map-land { fill: #e5e3ea; stroke: #d2d0d9; stroke-width: 3; }
.map-state { cursor: pointer; stroke: var(--white); stroke-width: 6; transition: filter .2s ease, transform .2s ease; transform-box: fill-box; transform-origin: center; }
.map-state:hover, .map-state:focus, .map-state.is-selected { filter: drop-shadow(0 7px 10px rgba(32,31,47,.22)); transform: scale(1.05); outline: 0; }
.map-state--licensed { fill: var(--accent); }
.map-state--pending { fill: #e4e2e9; }
.map-label circle { fill: var(--ink); }
.map-label text { fill: var(--white); font-size: 16px; font-weight: 850; text-anchor: middle; }
.map-note { margin-top: -7px; text-align: right; font-size: .59rem; }

/* Advisor */
.advisor-layout { display: grid; grid-template-columns: minmax(0,1.08fr) minmax(0,.92fr); gap: clamp(48px,7vw,100px); align-items: center; }
.advisor-layout__visual { position: relative; min-height: 620px; }
.advisor-layout__visual picture { height: 100%; min-height: 620px; overflow: hidden; border-radius: var(--radius-lg); }
.advisor-layout__visual img { width: 100%; height: 100%; min-height: 620px; object-fit: cover; }
.advisor-badge { position: absolute; right: -25px; bottom: 28px; max-width: 270px; display: flex; flex-direction: column; padding: 22px; border-radius: 20px; background: var(--mint); box-shadow: var(--shadow); }
.advisor-badge span { color: var(--mint-dark); font-size: .61rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.advisor-badge strong { margin-top: 6px; font-family: "Inter Tight", sans-serif; font-size: 1.3rem; line-height: 1.08; letter-spacing: -.035em; }
.advisor-layout__copy h2 { margin-bottom: 26px; }
.advisor-layout__copy > p { font-size: 1rem; }
.mlo-benefits { display: grid; grid-template-columns: 1fr 1fr; gap: 11px; margin: 30px 0 35px; }
.mlo-benefits span { position: relative; padding-left: 20px; color: var(--ink-3); font-size: .73rem; font-weight: 650; }
.mlo-benefits span::before { position: absolute; top: .55em; left: 0; width: 8px; height: 8px; border-radius: 50%; background: var(--accent); content: ""; }

/* Testimonials */
.testimonial-layout { display: grid; grid-template-columns: minmax(0,.75fr) minmax(0,1.25fr); gap: 24px; align-items: stretch; }
.testimonial-photo { position: relative; min-height: 590px; overflow: hidden; border-radius: var(--radius-lg); }
.testimonial-photo::after { position: absolute; inset: 40% 0 0; background: linear-gradient(180deg, transparent, rgba(20,19,30,.75)); content: ""; }
.testimonial-photo picture, .testimonial-photo img { width: 100%; height: 100%; }
.testimonial-photo img { object-fit: cover; }
.testimonial-photo > span { position: absolute; z-index: 2; right: 28px; bottom: 28px; left: 28px; color: var(--white); font-family: "Inter Tight", sans-serif; font-size: clamp(1.35rem,2vw,2.05rem); font-weight: 700; line-height: 1.08; letter-spacing: -.04em; }
.testimonial-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 20px; }
.testimonial-grid article { min-height: 285px; display: flex; flex-direction: column; padding: clamp(25px,3vw,36px); border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.testimonial-grid article:last-child { grid-column: span 2; min-height: 260px; }
.star-row { color: var(--accent); font-size: .74rem; letter-spacing: .16em; }
.testimonial-grid p { margin-top: 28px; color: var(--ink); font-family: "Inter Tight", sans-serif; font-size: clamp(1.2rem,1.8vw,1.65rem); font-weight: 650; line-height: 1.25; letter-spacing: -.03em; }
.testimonial-grid footer { display: flex; align-items: baseline; gap: 8px; margin-top: auto; padding-top: 25px; }
.testimonial-grid footer strong { font-size: .76rem; }
.testimonial-grid footer span { color: var(--muted); font-size: .65rem; }

/* Articles */
.article-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 22px; }
.article-card { overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); transition: transform .25s ease, box-shadow .25s ease; }
.article-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.article-card__image { display: block; height: 230px; overflow: hidden; }
.article-card__image picture, .article-card__image img { width: 100%; height: 100%; }
.article-card__image img { object-fit: cover; transition: transform .5s ease; }
.article-card:hover .article-card__image img { transform: scale(1.035); }
.article-card > div { padding: 28px 28px 31px; }
.article-card > div > span { color: var(--accent-dark); font-size: .61rem; font-weight: 820; letter-spacing: .08em; text-transform: uppercase; }
.article-card h3 { margin-top: 14px; font-size: 1.62rem; line-height: 1.08; }
.article-card p { min-height: 92px; margin: 17px 0 22px; font-size: .79rem; }

/* Final photo CTA */
.final-cta { padding-top: 0; }
.final-cta__card { position: relative; min-height: 550px; display: flex; align-items: center; overflow: hidden; border-radius: var(--radius-lg); color: var(--white); background: var(--ink); }
.final-cta__image { position: absolute; inset: 0; }
.final-cta__image img { width: 100%; height: 100%; object-fit: cover; }
.final-cta__overlay { position: absolute; inset: 0; background: linear-gradient(90deg, rgba(24,23,35,.94) 0%, rgba(24,23,35,.72) 48%, rgba(24,23,35,.12) 100%); }
.final-cta__content { position: relative; z-index: 2; max-width: 690px; padding: clamp(42px,7vw,90px); }
.final-cta__content h2 { margin-bottom: 23px; }
.final-cta__content p { max-width: 540px; color: rgba(255,255,255,.75); font-size: 1rem; }
.final-cta__actions { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 33px; }

/* Shared internal-page hero */
.internal-main { overflow: hidden; }
.internal-hero { position: relative; overflow: hidden; padding: clamp(70px,8vw,118px) 0 clamp(82px,9vw,132px); background: linear-gradient(180deg,#fff 0%,#f8f8fb 100%); }
.internal-hero::before { position: absolute; top: -35%; left: -14%; width: 48vw; height: 48vw; border-radius: 50%; background: radial-gradient(circle,rgba(220,214,245,.58),rgba(220,214,245,0) 70%); content: ""; }
.internal-hero__grid { position: relative; display: grid; grid-template-columns: minmax(0,.9fr) minmax(480px,1.1fr); gap: clamp(45px,7vw,95px); align-items: center; }
.internal-hero__content { position: relative; z-index: 2; }
.internal-hero__content h1, .internal-hero__grid > div:first-child h1 { max-width: 760px; }
.internal-hero__visual { position: relative; min-height: 590px; }
.internal-hero__visual > picture { height: 100%; min-height: 590px; overflow: hidden; border-radius: var(--radius-lg); box-shadow: var(--shadow); }
.internal-hero__visual img { width: 100%; height: 100%; min-height: 590px; object-fit: cover; }
.internal-hero__floating { position: absolute; right: -24px; bottom: 28px; max-width: 330px; padding: 23px; border: 1px solid rgba(255,255,255,.75); border-radius: 21px; background: rgba(255,255,255,.94); box-shadow: var(--shadow); backdrop-filter: blur(14px); }
.internal-hero__floating span, .internal-hero__kicker { display: block; color: var(--accent-dark); font-size: .61rem; font-weight: 830; letter-spacing: .08em; text-transform: uppercase; }
.internal-hero__floating strong { display: block; margin-top: 7px; font-family: "Inter Tight", sans-serif; font-size: 1.35rem; line-height: 1.08; letter-spacing: -.035em; }
.internal-hero__floating small { display: block; margin-top: 9px; color: var(--muted); font-size: .65rem; line-height: 1.45; }
.internal-hero__panel, .best-for-card { padding: clamp(32px,5vw,58px); border-radius: var(--radius-lg); background: var(--accent-soft); box-shadow: var(--shadow-sm); }
.internal-hero__panel strong, .best-for-card strong { display: block; margin-top: 18px; font-family: "Inter Tight", sans-serif; font-size: clamp(1.75rem,3vw,2.7rem); line-height: 1.02; letter-spacing: -.045em; }
.internal-hero__panel ul { margin: 30px 0 0; padding: 0; list-style: none; }
.internal-hero__panel li { padding: 14px 0; border-top: 1px solid rgba(32,31,47,.12); color: var(--ink-3); font-size: .78rem; }
.internal-hero--compact { padding: 75px 0 90px; }

/* Internal page building blocks */
.stage-grid, .equity-grid, .product-directory, .article-directory, .mlo-directory, .values-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 21px; }
.stage-grid article, .equity-grid article, .values-grid article { min-height: 330px; display: flex; flex-direction: column; padding: 31px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.stage-grid article > span, .equity-grid article > span { color: var(--accent-dark); font-size: .62rem; font-weight: 820; letter-spacing: .09em; text-transform: uppercase; }
.stage-grid h3, .equity-grid h3 { margin: 42px 0 17px; font-size: 2rem; }
.stage-grid p, .equity-grid p { font-size: .8rem; }
.stage-grid .text-link { margin-top: auto; padding-top: 25px; }
.split-content { display: grid; grid-template-columns: minmax(0,.94fr) minmax(0,1.06fr); gap: clamp(45px,7vw,95px); align-items: center; }
.split-content h2 { margin-bottom: 24px; }
.split-content > div:first-child > p { margin-bottom: 30px; }
.check-card, .tradeoff-card, .contact-card { padding: clamp(30px,4vw,45px); border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); box-shadow: var(--shadow-sm); }
.check-card h3 { margin-bottom: 20px; }
.check-card ul, .mlo-detail-grid ul { margin: 0; padding: 0; list-style: none; }
.check-card li, .mlo-detail-grid li { position: relative; padding: 13px 0 13px 28px; border-top: 1px solid var(--line); color: var(--muted); font-size: .79rem; }
.check-card li::before, .mlo-detail-grid li::before { position: absolute; top: 17px; left: 1px; display: grid; width: 18px; height: 18px; place-items: center; border-radius: 50%; color: var(--green); background: var(--green-soft); content: "✓"; font-size: .56rem; font-weight: 900; }
.check-card .fine-print { margin-top: 16px; }
.mini-product-grid { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 16px; }
.mini-product-grid a { min-height: 175px; display: flex; flex-direction: column; justify-content: space-between; padding: 25px; border: 1px solid var(--line); border-radius: 20px; background: var(--white); transition: transform .2s ease, border-color .2s ease, box-shadow .2s ease; }
.mini-product-grid a:hover { transform: translateY(-5px); border-color: transparent; box-shadow: var(--shadow-sm); }
.mini-product-grid strong { font-family: "Inter Tight", sans-serif; font-size: 1.4rem; letter-spacing: -.035em; }
.mini-product-grid span { color: var(--muted); font-size: .7rem; line-height: 1.45; }
.comparison-callout { display: grid; grid-template-columns: 1fr auto; gap: 50px; align-items: center; padding: clamp(36px,6vw,70px); border-radius: var(--radius-lg); background: var(--warm); }
.comparison-callout h2 { max-width: 780px; margin-bottom: 20px; }
.comparison-callout p { max-width: 780px; }

.product-directory__card { min-height: 360px; display: flex; flex-direction: column; padding: 30px; border-radius: var(--radius); background: var(--soft); transition: transform .2s ease, box-shadow .2s ease; }
.product-directory__card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.product-directory__card > span { color: var(--accent-dark); font-size: .61rem; font-weight: 820; letter-spacing: .08em; text-transform: uppercase; }
.product-directory__card h2 { margin: 45px 0 16px; font-size: 2.05rem; }
.product-directory__card p { font-size: .8rem; }
.product-directory__card .text-link { margin-top: auto; padding-top: 25px; }
.benefits-layout { display: grid; grid-template-columns: 1fr 1fr; gap: 25px; align-items: start; }
.benefits-layout article { padding: clamp(30px,5vw,55px); border: 1px solid var(--line); border-radius: var(--radius-lg); }
.feature-list { margin: 30px 0 0; padding: 0; list-style: none; }
.feature-list li { display: grid; grid-template-columns: 34px 1fr; gap: 12px; align-items: start; padding: 16px 0; border-top: 1px solid var(--line); color: var(--muted); font-size: .82rem; }
.feature-list i { display: grid; width: 28px; height: 28px; place-items: center; border-radius: 50%; color: var(--green); background: var(--green-soft); font-style: normal; font-weight: 900; }
.feature-list--caution i { color: #504d5d; background: #eeedf2; }
.best-for-card small { display: block; margin-top: 25px; color: var(--muted); font-size: .72rem; }

.faq-layout { display: grid; grid-template-columns: minmax(0,.72fr) minmax(0,1.28fr); gap: clamp(45px,7vw,95px); }
.faq-list details { border-top: 1px solid var(--line); }
.faq-list details:last-child { border-bottom: 1px solid var(--line); }
.faq-list summary { position: relative; padding: 22px 48px 22px 0; cursor: pointer; list-style: none; color: var(--ink); font-family: "Inter Tight", sans-serif; font-size: 1.08rem; font-weight: 700; letter-spacing: -.02em; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { position: absolute; right: 4px; content: "+"; color: var(--accent); font-size: 1.5rem; font-family: "Inter Tight",sans-serif; }
.faq-list details[open] summary::after { content: "−"; }
.faq-list details p { padding: 0 45px 22px 0; font-size: .82rem; }

.cost-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.cost-grid article { padding: 26px; border-radius: 18px; background: var(--white); }
.cost-grid h3 { font-size: 1.3rem; }
.cost-grid p { margin: 8px 0 0; font-size: .75rem; }
.article-directory article { min-height: 350px; display: flex; flex-direction: column; padding: 30px; border: 1px solid var(--line); border-radius: var(--radius); }
.article-directory article > span { margin-bottom: 60px; color: var(--accent-dark); font-size: .65rem; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.article-directory h2 { font-size: 1.75rem; }
.article-directory p { flex: 1; margin-top: 17px; font-size: .8rem; }

.mlo-directory__card { overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.mlo-directory__card img { width: 100%; aspect-ratio: 6/7; object-fit: cover; background: var(--accent-soft); }
.mlo-directory__card > div { padding: 25px; }
.mlo-directory__card span { color: var(--accent-dark); font-size: .65rem; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.mlo-directory__card h2 { margin: 8px 0; font-size: 1.7rem; }
.mlo-directory__card p { margin-bottom: 20px; font-size: .73rem; }
.mlo-profile-hero { background: var(--warm); }
.mlo-profile-hero__grid { display: grid; grid-template-columns: minmax(300px,.7fr) minmax(0,1.3fr); gap: clamp(45px,7vw,95px); align-items: center; }
.mlo-profile-photo { overflow: hidden; border-radius: var(--radius-lg); background: var(--accent-soft); box-shadow: var(--shadow); }
.mlo-profile-photo img { width: 100%; aspect-ratio: 6/7; object-fit: cover; }
.mlo-title { margin-top: 18px; color: var(--accent-dark); font-size: .78rem; font-weight: 750; }
.mlo-contact { display: flex; flex-wrap: wrap; gap: 15px 25px; margin-top: 22px; color: var(--ink-3); font-size: .74rem; font-weight: 750; }
.mlo-detail-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.mlo-detail-grid article { padding: 30px; border-radius: var(--radius); background: var(--white); }
.mlo-detail-grid h2 { margin-bottom: 20px; font-size: 1.65rem; }

.values-grid article > span { color: var(--accent); font-weight: 900; }
.values-grid h2 { margin-top: 50px; font-size: 1.85rem; }
.values-grid p { margin-top: 15px; font-size: .8rem; }
.full-comparison { overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); }
.full-comparison > div { display: grid; grid-template-columns: .65fr 1fr 1fr; border-bottom: 1px solid var(--line); }
.full-comparison > div:last-child { border-bottom: 0; }
.full-comparison > div > * { margin: 0; padding: 25px; border-right: 1px solid var(--line); font-size: .8rem; }
.full-comparison > div > span { color: var(--ink); font-weight: 850; }
.full-comparison__head { color: var(--white); background: var(--ink); }
.full-comparison__head > * { border-color: rgba(255,255,255,.12) !important; }
.license-directory { display: grid; grid-template-columns: repeat(2,1fr); gap: 22px; }
.license-directory article { padding: 35px; border: 1px solid var(--line); border-radius: var(--radius); }
.license-directory h2 { margin: 18px 0 7px; }
.license-directory strong { font-size: .82rem; }
.legal-copy { max-width: 900px; }
.legal-copy h2 { margin-top: 50px; font-size: 2rem; }
.legal-copy h3 { margin-top: 35px; font-size: 1.35rem; }
.legal-copy p, .legal-copy li { font-size: .86rem; }

.contact-card { display: grid; gap: 15px; }
.contact-card a { display: flex; flex-direction: column; padding: 18px; border-radius: 14px; background: var(--soft); }
.contact-card span { color: var(--muted); font-size: .65rem; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.contact-card strong { font-size: 1.1rem; }
.contact-layout { display: grid; grid-template-columns: minmax(0,1.3fr) minmax(0,.7fr); gap: 40px; align-items: start; }
.contact-form { padding: 35px; border: 1px solid var(--line); border-radius: var(--radius); background: var(--white); }
.full-field { display: block; margin-top: 20px; }
.full-field textarea, .full-field input, .full-field select { width: 100%; padding: 15px; border: 1px solid var(--line); border-radius: 13px; outline: 0; resize: vertical; }
.full-field textarea:focus, .full-field input:focus, .full-field select:focus { border-color: var(--accent); box-shadow: 0 0 0 4px rgba(32,31,47,.1); }
.contact-form button { margin-top: 20px; }
.application-redirect { min-height: 70vh; display: grid; align-items: center; background: var(--soft); }
.application-redirect__card { max-width: 900px; padding: 60px; border-radius: var(--radius-lg); background: var(--white); box-shadow: var(--shadow); }
.application-redirect code { padding: 3px 7px; border-radius: 5px; background: var(--accent-soft); }
.empty-state { max-width: 740px; padding: 70px; border-radius: var(--radius-lg); background: var(--soft); text-align: center; }
.empty-state p { margin: 20px 0 30px; }

/* Footer */
.site-footer { padding: 82px 0 108px; color: var(--white); background: #171622; }
.site-footer__grid { display: grid; grid-template-columns: 1.7fr repeat(3,1fr); gap: clamp(35px,6vw,80px); }
.brand--footer .brand__descriptor { color: rgba(255,255,255,.5); }
.footer-brand > p { max-width: 370px; margin-top: 24px; color: rgba(255,255,255,.6); font-size: .75rem; }
.footer-contact a { color: var(--white); font-weight: 700; }
.site-footer__grid h2 { margin-bottom: 20px; color: rgba(255,255,255,.48); font-family: "Inter Tight",sans-serif; font-size: .62rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; }
.site-footer__grid > div:not(.footer-brand) > a { display: block; margin: 11px 0; color: rgba(255,255,255,.77); font-size: .72rem; }
.site-footer__grid > div:not(.footer-brand) > a:hover { color: var(--white); }
.site-footer__legal { margin-top: 65px; padding-top: 35px; border-top: 1px solid rgba(255,255,255,.12); }
.site-footer__legal p { margin-top: 12px; color: rgba(255,255,255,.46); font-size: .61rem; line-height: 1.65; }
.site-footer__legal strong { color: rgba(255,255,255,.7); }
.mobile-action-bar { display: none; }

/* Responsive */
@media (max-width: 1120px) {
  :root { --header-height: 74px; }
  .primary-nav { gap: 14px; }
  .primary-nav a { font-size: .69rem; }
  .header-phone { display: none; }
  .hero__grid { grid-template-columns: minmax(0,.86fr) minmax(480px,1.14fr); gap: 40px; }
  .hero-collage { min-height: 590px; }
  .loan-card { min-height: 450px; padding: 25px; }
  .loan-card h3 { font-size: 2.65rem; }
}

@media (max-width: 980px) {
  body { padding-bottom: 72px; }
  .rate-strip__copy [data-rate-date] { display: none; }
  .site-header__inner { justify-content: space-between; }
  .menu-toggle { display: block; order: 3; }
  .menu-toggle[aria-expanded="true"] span:nth-of-type(2) { transform: translateY(6px) rotate(45deg); }
  .menu-toggle[aria-expanded="true"] span:nth-of-type(3) { opacity: 0; }
  .menu-toggle[aria-expanded="true"] span:nth-of-type(4) { transform: translateY(-6px) rotate(-45deg); }
  .primary-nav { position: fixed; z-index: 100; top: calc(38px + var(--header-height)); right: 0; bottom: 0; left: 0; display: none; flex-direction: column; align-items: stretch; justify-content: flex-start; gap: 0; padding: 25px var(--gutter) 110px; overflow-y: auto; background: var(--white); }
  .primary-nav.is-open { display: flex; }
  .primary-nav a { padding: 19px 0; border-bottom: 1px solid var(--line); font-family: "Inter Tight",sans-serif; font-size: 1.55rem; letter-spacing: -.03em; }
  .primary-nav a::after { display: none; }
  .header-actions { margin-left: auto; }
  .header-actions .button { display: none; }

  .hero__grid, .broker-story, .process-layout--visual, .calculator-layout, .licensing-layout, .advisor-layout, .internal-hero__grid, .split-content, .benefits-layout, .faq-layout, .contact-layout { grid-template-columns: 1fr; }
  .home-hero { padding-top: 76px; }
  .hero__content { max-width: 790px; }
  .hero-collage { min-height: 650px; margin-top: 10px; }
  .hero-collage__main { left: 3%; width: 58%; }
  .floating-card--support { left: 0; }
  .proof-bar__grid { grid-template-columns: 1fr 1fr; }
  .proof-bar__grid > div:nth-child(3) { border-top: 1px solid var(--line); }
  .proof-bar__grid > div:nth-child(4) { border-top: 1px solid var(--line); border-right: 1px solid var(--line); }
  .section-heading--split { align-items: start; flex-direction: column; gap: 25px; }
  .section-heading > p { max-width: 680px; }
  .path-grid, .loan-grid, .article-grid, .product-directory, .article-directory, .mlo-directory, .values-grid { grid-template-columns: 1fr 1fr; }
  .path-card:last-child { grid-column: span 2; }
  .path-card:last-child .path-card__media { height: 330px; }
  .broker-story__visual { min-height: 590px; }
  .broker-story__visual picture, .broker-story__visual img { min-height: 590px; }
  .photo-note { right: 24px; }
  .lifestyle-feature__grid { grid-template-columns: 1fr; }
  .lifestyle-feature__copy { padding-right: 0; }
  .lifestyle-feature__visual { min-height: 620px; margin-right: calc(var(--gutter) * -1); margin-left: calc(var(--gutter) * -1); }
  .process-photo { min-height: 560px; }
  .process-photo picture, .process-photo img { min-height: 560px; }
  .calculator-photo { height: 330px; }
  .advisor-layout__visual { min-height: 580px; }
  .advisor-layout__visual picture, .advisor-layout__visual img { min-height: 580px; }
  .testimonial-layout { grid-template-columns: 1fr; }
  .testimonial-photo { min-height: 520px; }
  .internal-hero__visual { min-height: 560px; }
  .internal-hero__visual > picture, .internal-hero__visual img { min-height: 560px; }
  .stage-grid, .equity-grid { grid-template-columns: 1fr 1fr; }
  .mini-product-grid, .cost-grid { grid-template-columns: 1fr 1fr; }
  .comparison-callout { grid-template-columns: 1fr; }
  .mlo-profile-hero__grid { grid-template-columns: .8fr 1.2fr; }
  .site-footer__grid { grid-template-columns: 1.5fr 1fr 1fr; }
  .site-footer__grid > div:last-child { grid-column: 2 / span 2; }
  .mobile-action-bar { position: fixed; z-index: 90; right: 0; bottom: 0; left: 0; min-height: 72px; display: grid; grid-template-columns: .8fr 1.2fr; align-items: center; gap: 10px; padding: 9px 12px calc(9px + env(safe-area-inset-bottom)); border-top: 1px solid var(--line); background: rgba(255,255,255,.97); box-shadow: 0 -12px 35px rgba(32,31,47,.08); backdrop-filter: blur(14px); }
  .mobile-action-bar > a:first-child { text-align: center; font-size: .75rem; font-weight: 760; }
  .mobile-action-bar .button { min-height: 50px; }
}

@media (max-width: 680px) {
  :root { --gutter: 20px; --radius: 22px; --radius-lg: 28px; }
  body { font-size: 15px; }
  h1 { font-size: clamp(3.15rem,15vw,4.5rem); }
  h2 { font-size: clamp(2.35rem,11vw,3.45rem); }
  .section { padding: 78px 0; }
  .rate-strip__inner { min-height: 34px; }
  .rate-strip__copy { font-size: .61rem; }
  .rate-strip__copy strong { display: none; }
  .rate-strip a { font-size: .6rem; }
  .brand__word { font-size: 1.9rem; }
  .brand__descriptor { font-size: .4rem; }
  .site-header__inner { min-height: 69px; }
  .primary-nav { top: 103px; }
  .home-hero { padding: 58px 0 76px; }
  .hero__lead { margin-top: 23px; font-size: 1rem; }
  .hero__actions { align-items: stretch; flex-direction: column; margin-top: 28px; }
  .hero__actions .button { width: 100%; }
  .hero__microcopy { display: grid; }
  .hero-collage { min-height: 520px; margin-top: 8px; }
  .hero-collage__main { top: 50px; left: 0; width: 67%; height: 71%; border-radius: 24px; }
  .hero-collage__tile--home { width: 39%; height: 36%; border-radius: 20px; }
  .hero-collage__tile--family { width: 43%; height: 46%; border-width: 6px; border-radius: 21px; }
  .hero-collage__main figcaption { right: 18px; bottom: 18px; left: 18px; }
  .hero-collage__main figcaption span { display: none; }
  .hero-collage__main figcaption strong { font-size: 1rem; }
  .floating-card--rate { top: 13px; left: 34%; width: 155px; padding: 14px 15px; }
  .floating-card--rate strong { font-size: 1.45rem; }
  .floating-card--support { bottom: 20px; left: 0; padding: 10px 12px 10px 10px; }
  .support-icon { width: 35px; height: 35px; }
  .proof-bar__grid { grid-template-columns: 1fr; }
  .proof-bar__grid > div { min-height: 92px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
  .proof-bar__grid > div:last-child { border-bottom: 0; }
  .path-grid, .loan-grid, .article-grid, .product-directory, .article-directory, .mlo-directory, .values-grid, .stage-grid, .equity-grid, .license-directory, .mlo-detail-grid { grid-template-columns: 1fr; }
  .path-card:last-child { grid-column: auto; }
  .path-card__media, .path-card:last-child .path-card__media { height: 230px; }
  .path-card__body { padding: 27px 24px 29px; }
  .path-card p { min-height: 0; }
  .broker-story__visual { min-height: 480px; }
  .broker-story__visual picture, .broker-story__visual img { min-height: 480px; }
  .photo-note { right: 15px; bottom: 15px; width: calc(100% - 30px); }
  .comparison-card { overflow-x: auto; }
  .comparison-card__header, .comparison-row { min-width: 650px; }
  .loan-card { min-height: 410px; }
  .lifestyle-feature__grid { min-height: 0; }
  .lifestyle-feature__copy { padding: 78px 0; }
  .lifestyle-feature__visual { min-height: 480px; }
  .process-photo { min-height: 440px; }
  .process-photo picture, .process-photo img { min-height: 440px; }
  .process-list li { grid-template-columns: 46px 1fr; }
  .calculator-photo { height: 270px; }
  .field-grid { grid-template-columns: 1fr; }
  .calculator-result { display: none; }
  .calculator-result-mobile { display: block; margin-top: 25px; padding: 23px; border-radius: 18px; color: var(--white); background: var(--ink); }
  .calculator-result-mobile > * { display: block; }
  .calculator-result-mobile span { color: rgba(255,255,255,.65); font-size: .65rem; }
  .calculator-result-mobile strong { margin-top: 4px; font-family: "Inter Tight",sans-serif; font-size: 2.2rem; line-height: 1; letter-spacing: -.05em; }
  .calculator-result-mobile small { margin-top: 8px; color: rgba(255,255,255,.52); font-size: .57rem; }
  .mortgage-calculator { padding: 25px 21px; }
  .license-legend { gap: 10px; }
  .us-map-card { padding: 22px 16px; }
  .advisor-layout__visual { min-height: 450px; }
  .advisor-layout__visual picture, .advisor-layout__visual img { min-height: 450px; }
  .advisor-badge { right: 14px; bottom: 14px; max-width: 230px; }
  .mlo-benefits { grid-template-columns: 1fr; }
  .testimonial-photo { min-height: 430px; }
  .testimonial-grid { grid-template-columns: 1fr; }
  .testimonial-grid article:last-child { grid-column: auto; }
  .article-card__image { height: 220px; }
  .article-card p { min-height: 0; }
  .final-cta__card { min-height: 620px; align-items: end; }
  .final-cta__overlay { background: linear-gradient(0deg, rgba(24,23,35,.96) 0%, rgba(24,23,35,.68) 58%, rgba(24,23,35,.12) 100%); }
  .final-cta__content { padding: 35px 25px; }
  .final-cta__actions { flex-direction: column; }
  .final-cta__actions .button { width: 100%; }
  .internal-hero { padding: 58px 0 78px; }
  .internal-hero__grid { grid-template-columns: 1fr; }
  .internal-hero__visual { min-height: 430px; }
  .internal-hero__visual > picture, .internal-hero__visual img { min-height: 430px; }
  .internal-hero__floating { right: 14px; bottom: 14px; max-width: calc(100% - 28px); }
  .internal-hero__panel, .best-for-card, .check-card, .contact-card { padding: 25px; }
  .mini-product-grid, .cost-grid { grid-template-columns: 1fr; }
  .comparison-callout { padding: 30px 24px; }
  .full-comparison { overflow-x: auto; }
  .full-comparison > div { min-width: 730px; }
  .mlo-profile-hero__grid { grid-template-columns: 1fr; }
  .mlo-profile-photo { max-width: 430px; }
  .application-redirect__card { padding: 35px 24px; }
  .site-footer { padding-top: 68px; }
  .site-footer__grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: span 2; }
  .site-footer__grid > div:last-child { grid-column: auto; }
}

@media (max-width: 420px) {
  .hero-collage { min-height: 465px; }
  .floating-card--rate { left: 30%; }
  .floating-card--support small { display: none; }
  .site-footer__grid { grid-template-columns: 1fr; }
  .footer-brand { grid-column: auto; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}

/* ======================================================================
   HMCO Website V2 — image-led consumer mortgage experience
   ====================================================================== */
:root {
  --ink: #201f2f;
  --ink-2: #39364b;
  --muted: #686478;
  --accent: #201f2f;
  --accent-dark: #12111c;
  --accent-soft: #eeebff;
  --lavender: #ddd7ff;
  --cream: #f6f5fa;
  --paper: #ffffff;
  --sky: #eaf5fb;
  --lime: #ffffff;
  --lime-dark: #f1f0f4;
  --soft: #f6f4f9;
  --white: #fff;
  --line: #dfdbe7;
  --green: #201f2f;
  --amber: #8a8494;
  --shadow: 0 28px 80px rgba(23,20,41,.14);
  --shadow-soft: 0 18px 55px rgba(23,20,41,.09);
  --radius-sm: 16px;
  --radius: 28px;
  --radius-lg: 46px;
  --shell: 1320px;
  --font-body: "Inter", ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font-display: "Inter Tight", "Inter", ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  --font: var(--font-body);
}
body { font-family: var(--font-body); color: var(--ink); background: var(--white); }
h1, h2, h3, h4, .brand__word, .button, .primary-nav a, .section-kicker { font-family: var(--font-display); }
h1, h2, h3 { font-weight: 700; letter-spacing: -.055em; }
h1 { font-size: clamp(3.6rem, 6.2vw, 7rem); line-height: .93; }
h2 { font-size: clamp(2.65rem, 4.7vw, 5.1rem); line-height: .98; }
h3 { line-height: 1.08; }
p { line-height: 1.65; }
.section { padding: 125px 0; }
.shell { width: min(calc(100% - 48px), var(--shell)); }
.button { min-height: 56px; padding: 0 27px; gap: 10px; font-weight: 700; letter-spacing: -.015em; }
.button--accent { background: var(--accent); box-shadow: 0 14px 32px rgba(32,31,47,.25); }
.button--accent:hover { background: var(--accent-dark); }
.button--clean { color: var(--ink); border-color: rgba(23,20,41,.15); background: rgba(255,255,255,.72); backdrop-filter: blur(15px); }
.button--lime { color: var(--ink); background: var(--lime); box-shadow: 0 15px 36px rgba(255,255,255,.18); }
.button--lime:hover { background: var(--lime-dark); }
.button--glass { color: var(--white); border-color: rgba(255,255,255,.48); background: rgba(255,255,255,.1); backdrop-filter: blur(14px); }
.button--hero { min-height: 60px; padding-inline: 31px; }
.button--dark { background: var(--ink); }
.button--dark:hover { background: #2a2543; }
.button:focus-visible, a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, [tabindex]:focus-visible { outline-color: rgba(32,31,47,.48); }

.rate-strip { background: var(--ink); }
.rate-strip__inner { min-height: 42px; }
.rate-strip__copy { gap: 8px; }
.rate-strip__dot { background: var(--lime); box-shadow: 0 0 0 4px rgba(255,255,255,.13); }
.site-header { background: rgba(255,255,255,.9); backdrop-filter: blur(20px); }
.site-header__inner { min-height: 82px; }
.brand__word { font-size: 2.2rem; font-weight: 900; letter-spacing: -.09em; }
.brand__descriptor { font-size: .48rem; letter-spacing: .18em; }
.primary-nav { gap: 27px; }
.primary-nav a { font-weight: 650; letter-spacing: -.015em; }
.header-actions .button { min-height: 46px; }

.section-kicker { display: inline-flex; align-items: center; gap: 11px; margin-bottom: 23px; color: var(--ink-2); font-size: .76rem; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.section-kicker > span { width: 28px; height: 3px; border-radius: 999px; background: var(--accent); }
.section-kicker--light { color: rgba(255,255,255,.7); }
.section-kicker--light > span { background: var(--lime); }
.editorial-heading { display: grid; grid-template-columns: minmax(0,1.12fr) minmax(300px,.68fr); gap: 80px; align-items: end; margin-bottom: 58px; }
.editorial-heading h2 { max-width: 900px; margin-bottom: 0; }
.editorial-heading > p { max-width: 560px; margin: 0 0 7px; font-size: 1.06rem; }
.editorial-heading--center { max-width: 1000px; grid-template-columns: 1fr; gap: 18px; margin-inline: auto; text-align: center; }
.editorial-heading--center .section-kicker { justify-content: center; }
.editorial-heading--center p { margin-inline: auto; }
.editorial-heading__link { align-self: end; justify-self: end; margin-bottom: 10px; font-weight: 750; }

/* Subtle reveal only after JavaScript has initialized. */
.reveal-ready [data-reveal] { opacity: 0; transform: translateY(28px); transition: opacity .75s ease, transform .75s cubic-bezier(.2,.7,.2,1); }
.reveal-ready [data-reveal].is-visible { opacity: 1; transform: none; }

/* Hero */
.visual-hero { position: relative; overflow: hidden; padding: 76px 0 0; background: var(--cream); }
.visual-hero__wash { position: absolute; width: 900px; height: 900px; right: -330px; top: -440px; border-radius: 50%; background: rgba(32,31,47,.11); filter: blur(3px); }
.visual-hero__grid { position: relative; z-index: 2; display: grid; grid-template-columns: minmax(0,.92fr) minmax(530px,1.08fr); gap: 78px; align-items: center; }
.visual-hero__copy { padding: 25px 0 72px; }
.visual-hero h1 { max-width: 760px; margin-bottom: 31px; }
.visual-hero h1 em { display: block; color: var(--accent); font-style: normal; }
.visual-hero__lead { max-width: 680px; margin-bottom: 0; color: #585366; font-size: clamp(1.08rem,1.45vw,1.32rem); }
.visual-hero__actions { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 36px; }
.visual-hero__proof { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; max-width: 720px; margin-top: 46px; padding-top: 28px; border-top: 1px solid rgba(23,20,41,.12); }
.visual-hero__proof > div { display: grid; grid-template-columns: 24px 1fr; column-gap: 8px; }
.visual-hero__proof .proof-icon { grid-row: 1 / span 2; display: grid; place-items: center; width: 22px; height: 22px; margin-top: 1px; border-radius: 50%; color: #201f2f; background: #eeedf2; font-size: .73rem; font-weight: 900; }
.visual-hero__proof strong, .visual-hero__proof small { display: block; }
.visual-hero__proof strong { font-size: .82rem; line-height: 1.25; }
.visual-hero__proof small { margin-top: 3px; color: var(--muted); font-size: .68rem; line-height: 1.3; }
.visual-hero__media { position: relative; min-height: 705px; }
.hero-photo-card { position: absolute; z-index: 1; top: 10px; right: 0; width: 83%; height: 625px; margin: 0; overflow: hidden; border: 9px solid rgba(255,255,255,.75); border-radius: 50px 50px 50px 140px; background: #ddd; box-shadow: 0 32px 90px rgba(23,20,41,.18); }
.hero-photo-card picture, .hero-photo-card img { width: 100%; height: 100%; }
.hero-photo-card img { object-fit: cover; object-position: center; }
.hero-photo-card figcaption { position: absolute; left: 28px; right: 28px; bottom: 26px; display: flex; justify-content: space-between; align-items: end; gap: 20px; padding: 18px 20px; border: 1px solid rgba(255,255,255,.5); border-radius: 18px; color: var(--white); background: rgba(23,20,41,.46); backdrop-filter: blur(16px); }
.hero-photo-card figcaption span, .hero-photo-card figcaption strong { display: block; }
.hero-photo-card figcaption span { color: rgba(255,255,255,.7); font-size: .72rem; }
.hero-photo-card figcaption strong { max-width: 220px; text-align: right; font-size: .95rem; line-height: 1.25; }
.hero-house-card { position: absolute; z-index: 3; left: 0; bottom: 15px; width: 39%; height: 210px; margin: 0; overflow: hidden; border: 8px solid var(--cream); border-radius: 30px; box-shadow: var(--shadow-soft); transform: rotate(-2.2deg); }
.hero-house-card picture, .hero-house-card img { width: 100%; height: 100%; }
.hero-house-card img { object-fit: cover; }
.hero-rate-card { position: absolute; z-index: 4; left: 1%; top: 82px; width: 225px; padding: 20px; border: 1px solid rgba(255,255,255,.85); border-radius: 23px; background: rgba(255,255,255,.91); box-shadow: 0 22px 60px rgba(23,20,41,.16); backdrop-filter: blur(18px); }
.hero-rate-card__top { display: flex; align-items: center; gap: 7px; margin-bottom: 20px; color: var(--muted); font-size: .68rem; font-weight: 750; text-transform: uppercase; letter-spacing: .08em; }
.live-dot { width: 8px; height: 8px; border-radius: 50%; background: var(--green); box-shadow: 0 0 0 5px rgba(32,31,47,.12); }
.hero-rate-card > span, .hero-rate-card > strong, .hero-rate-card > small, .hero-rate-card > a { display: block; }
.hero-rate-card > span { color: var(--muted); font-size: .7rem; }
.hero-rate-card > strong { margin: 2px 0; font-size: 2.25rem; line-height: 1.05; letter-spacing: -.06em; }
.hero-rate-card > small { color: var(--muted); font-size: .68rem; }
.hero-rate-card > a { margin-top: 17px; padding-top: 13px; border-top: 1px solid var(--line); font-size: .7rem; font-weight: 750; }
.hero-guidance-card { position: absolute; z-index: 4; right: -5px; bottom: 38px; display: flex; align-items: center; gap: 12px; padding: 14px 16px; border-radius: 19px; color: var(--white); background: var(--ink); box-shadow: 0 22px 55px rgba(23,20,41,.25); }
.hero-guidance-card__icon { width: 40px; height: 40px; display: grid; place-items: center; border-radius: 13px; color: var(--ink); background: var(--lime); }
.hero-guidance-card__icon svg { width: 22px; }
.hero-guidance-card strong, .hero-guidance-card small { display: block; }
.hero-guidance-card strong { font-size: .83rem; }
.hero-guidance-card small { color: rgba(255,255,255,.62); font-size: .67rem; }
.hero-option-rail { position: relative; z-index: 3; min-height: 74px; display: flex; align-items: center; justify-content: center; flex-wrap: wrap; gap: 16px 25px; border-top: 1px solid rgba(23,20,41,.11); color: #5d5868; font-size: .72rem; font-weight: 750; letter-spacing: .05em; text-transform: uppercase; }
.hero-option-rail i { width: 5px; height: 5px; border-radius: 50%; background: var(--accent); }

/* Goal cards */
.goal-section { background: var(--white); }
.goal-card-grid { display: grid; grid-template-columns: 1.18fr 1fr 1fr; gap: 18px; }
.goal-card { position: relative; min-height: 545px; overflow: hidden; border-radius: 32px; color: var(--white); box-shadow: 0 16px 45px rgba(23,20,41,.08); }
.goal-card picture, .goal-card img { width: 100%; height: 100%; }
.goal-card picture { position: absolute; inset: 0; }
.goal-card img { object-fit: cover; transition: transform .75s cubic-bezier(.2,.7,.2,1); }
.goal-card--buy img { object-position: center; }
.goal-card--refi img { object-position: center; }
.goal-card--equity img { object-position: 58% center; }
.goal-card:hover img { transform: scale(1.055); }
.goal-card__shade { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(15,13,28,.08) 10%, rgba(15,13,28,.18) 45%, rgba(15,13,28,.91) 100%); }
.goal-card__number { position: absolute; top: 24px; left: 24px; display: grid; place-items: center; width: 46px; height: 46px; border: 1px solid rgba(255,255,255,.5); border-radius: 50%; background: rgba(23,20,41,.2); backdrop-filter: blur(12px); font-size: .72rem; font-weight: 800; }
.goal-card__copy { position: absolute; left: 28px; right: 75px; bottom: 29px; }
.goal-card__copy small, .goal-card__copy strong, .goal-card__copy span { display: block; }
.goal-card__copy small { margin-bottom: 9px; color: var(--lime); font-size: .7rem; font-weight: 750; letter-spacing: .09em; text-transform: uppercase; }
.goal-card__copy strong { font-size: clamp(2rem,2.7vw,3rem); line-height: 1; letter-spacing: -.05em; }
.goal-card__copy span { margin-top: 12px; color: rgba(255,255,255,.72); font-size: .83rem; line-height: 1.48; }
.goal-card__arrow { position: absolute; right: 25px; bottom: 27px; display: grid; place-items: center; width: 46px; height: 46px; border-radius: 50%; color: var(--ink); background: var(--white); font-size: 1.15rem; transition: transform .25s ease; }
.goal-card:hover .goal-card__arrow { transform: rotate(45deg); }

/* Broker comparison */
.broker-section { overflow: hidden; color: var(--white); background: var(--ink); }
.broker-layout { display: grid; grid-template-columns: minmax(0,1.05fr) minmax(0,.95fr); gap: 95px; align-items: center; }
.broker-visual { position: relative; min-height: 720px; }
.broker-visual__main { position: absolute; top: 0; left: 0; width: 79%; height: 600px; margin: 0; overflow: hidden; border-radius: 42px; }
.broker-visual__main picture, .broker-visual__main img, .broker-visual__detail picture, .broker-visual__detail img { width: 100%; height: 100%; }
.broker-visual__main img, .broker-visual__detail img { object-fit: cover; }
.broker-visual__detail { position: absolute; z-index: 2; right: 0; bottom: 0; width: 43%; height: 315px; margin: 0; overflow: hidden; border: 8px solid var(--ink); border-radius: 32px; }
.broker-visual__card { position: absolute; z-index: 3; left: 34px; bottom: 36px; width: 315px; padding: 24px; border-radius: 24px; color: var(--ink); background: var(--lime); box-shadow: 0 25px 70px rgba(0,0,0,.23); }
.broker-visual__card > span, .broker-visual__card > strong { display: block; }
.broker-visual__card > span { margin-bottom: 8px; font-size: .67rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.broker-visual__card > strong { margin-bottom: 20px; font-size: 1.55rem; line-height: 1.1; letter-spacing: -.045em; }
.broker-visual__card > div { display: flex; gap: 8px; padding: 9px 0; border-top: 1px solid rgba(23,20,41,.17); font-size: .76rem; font-weight: 700; }
.broker-visual__card i { font-style: normal; }
.broker-copy { min-width: 0; width: 100%; }
.broker-copy h2 { max-width: 650px; color: var(--white); }
.broker-copy > p { color: rgba(255,255,255,.65); font-size: 1.03rem; }
.broker-comparison { margin: 35px 0 30px; overflow: hidden; border: 1px solid rgba(255,255,255,.14); border-radius: 22px; }
.broker-comparison__head, .broker-comparison > div { display: grid; grid-template-columns: .72fr 1fr 1fr; }
.broker-comparison__head { background: rgba(255,255,255,.08); }
.broker-comparison > div:not(.broker-comparison__head) { border-top: 1px solid rgba(255,255,255,.12); }
.broker-comparison > div > * { min-width: 0; margin: 0; padding: 15px 14px; border-right: 1px solid rgba(255,255,255,.1); }
.broker-comparison > div > *:last-child { border-right: 0; }
.broker-comparison__head > * { color: rgba(255,255,255,.72); font-size: .66rem; font-weight: 800; letter-spacing: .05em; text-transform: uppercase; }
.broker-comparison > div > span { color: var(--white); font-size: .72rem; font-weight: 750; }
.broker-comparison p { color: rgba(255,255,255,.62); font-size: .72rem; line-height: 1.4; }
.broker-comparison p b { color: var(--lime); }
.button--broker { color: var(--ink); }
.broker-disclaimer { margin-top: 18px; font-size: .67rem !important; line-height: 1.55; }

/* Product bento */
.product-section { background: var(--cream); }
.product-bento { display: grid; grid-template-columns: repeat(12,1fr); grid-auto-flow: dense; gap: 18px; }
.product-tile { position: relative; display: flex; flex-direction: column; justify-content: space-between; min-height: 275px; padding: 30px; overflow: hidden; border-radius: 30px; transition: transform .28s ease, box-shadow .28s ease; }
.product-tile:hover { transform: translateY(-5px); box-shadow: var(--shadow-soft); }
.product-tile--conventional { grid-column: span 7; grid-row: span 2; min-height: 570px; color: var(--white); background: var(--accent); }
.product-tile--fha { grid-column: span 5; color: var(--ink); background: var(--lime); }
.product-tile--va { grid-column: span 5; color: var(--ink); background: var(--sky); }
.product-tile--investor { grid-column: span 7; min-height: 355px; color: var(--white); background: var(--ink); }
.product-tile--all { grid-column: span 5; min-height: 355px; display: grid; grid-template-columns: 1fr 1fr; align-content: end; gap: 10px; color: var(--ink); border: 1px solid rgba(23,20,41,.1); background: var(--white); }
.product-tile__tag { position: relative; z-index: 3; align-self: flex-start; padding: 7px 10px; border: 1px solid currentColor; border-radius: 999px; font-size: .63rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; opacity: .75; }
.product-tile__mark { position: absolute; right: -2%; top: 3%; color: rgba(255,255,255,.18); font-size: 22rem; font-weight: 900; line-height: 1; letter-spacing: -.12em; }
.product-tile--fha .product-tile__mark { color: rgba(23,20,41,.11); font-size: 12rem; }
.product-tile--va .product-tile__mark { color: rgba(32,31,47,.12); font-size: 12rem; }
.product-tile > div { position: relative; z-index: 2; max-width: 530px; }
.product-tile h3 { margin-bottom: 13px; font-size: clamp(2rem,3vw,3.6rem); }
.product-tile p { margin-bottom: 24px; color: currentColor; opacity: .68; }
.product-tile > div > span { font-size: .76rem; font-weight: 750; }
.product-tile > div > span b { margin-left: 8px; }
.product-tile__graphic { position: absolute; right: 30px; top: 30px; width: 210px; height: 150px; display: flex; align-items: flex-end; gap: 11px; opacity: .36; }
.product-tile__graphic i { flex: 1; border: 2px solid var(--lime); border-radius: 10px 10px 0 0; }
.product-tile__graphic i:nth-child(1) { height: 38%; }
.product-tile__graphic i:nth-child(2) { height: 62%; }
.product-tile__graphic i:nth-child(3) { height: 78%; }
.product-tile__graphic i:nth-child(4) { height: 100%; }
.product-tile--all > span { align-self: end; padding: 10px 12px; border-radius: 12px; background: var(--soft); font-size: .7rem; font-weight: 750; }
.product-tile--all > strong { grid-column: 1 / -1; margin-top: 24px; max-width: 310px; font-size: 2.25rem; line-height: 1.03; letter-spacing: -.05em; }
.product-tile--all > b { position: absolute; right: 28px; bottom: 28px; display: grid; place-items: center; width: 48px; height: 48px; border-radius: 50%; color: var(--white); background: var(--ink); }

/* Journey UI */
.journey-section { overflow: hidden; color: var(--white); background: linear-gradient(135deg,#12111c 0%,#201f2f 58%,#504d5d 100%); }
.journey-layout { display: grid; grid-template-columns: minmax(0,.83fr) minmax(520px,1.17fr); gap: 100px; align-items: center; }
.journey-copy h2 { max-width: 650px; color: var(--white); }
.journey-copy > p { max-width: 610px; color: rgba(255,255,255,.72); font-size: 1.05rem; }
.journey-steps { margin: 38px 0 35px; padding: 0; list-style: none; }
.journey-steps li { display: grid; grid-template-columns: 52px 1fr; gap: 14px; padding: 18px 0; border-top: 1px solid rgba(255,255,255,.16); }
.journey-steps li:last-child { border-bottom: 1px solid rgba(255,255,255,.16); }
.journey-steps > li > span { color: var(--lime); font-size: .72rem; font-weight: 850; }
.journey-steps strong, .journey-steps small { display: block; }
.journey-steps strong { font-size: .92rem; }
.journey-steps small { margin-top: 4px; color: rgba(255,255,255,.6); }
.journey-ui { position: relative; min-height: 690px; display: grid; place-items: center; }
.journey-ui__glow { position: absolute; width: 650px; height: 650px; border-radius: 50%; background: rgba(255,255,255,.16); filter: blur(70px); }
.journey-device { position: relative; z-index: 2; width: min(100%,520px); padding: 26px; border: 9px solid rgba(255,255,255,.22); border-radius: 42px; color: var(--ink); background: var(--paper); box-shadow: 0 35px 100px rgba(23,20,41,.32); transform: rotate(1.2deg); }
.journey-device__bar { display: flex; justify-content: space-between; align-items: center; padding-bottom: 22px; border-bottom: 1px solid var(--line); }
.journey-logo { font-size: 1.55rem; font-weight: 900; letter-spacing: -.08em; }
.journey-avatar { display: grid; place-items: center; width: 37px; height: 37px; border-radius: 50%; color: var(--white); background: var(--ink); font-size: .68rem; font-weight: 850; }
.journey-device__welcome { padding: 24px 0 17px; }
.journey-device__welcome small, .journey-device__welcome strong { display: block; }
.journey-device__welcome small { color: var(--muted); font-size: .7rem; }
.journey-device__welcome strong { margin-top: 4px; font-size: 1.55rem; letter-spacing: -.04em; }
.journey-progress { padding: 18px; border-radius: 18px; background: var(--accent-soft); }
.journey-progress > div { display: flex; justify-content: space-between; align-items: center; font-size: .73rem; }
.journey-progress > div span { color: var(--muted); }
.journey-progress i { display: block; height: 8px; margin-top: 12px; overflow: hidden; border-radius: 999px; background: rgba(32,31,47,.17); }
.journey-progress i b { display: block; width: 62%; height: 100%; border-radius: inherit; background: var(--accent); }
.journey-checklist { margin: 18px 0; }
.journey-checklist > div { display: grid; grid-template-columns: 34px 1fr; gap: 11px; align-items: center; padding: 13px 4px; border-bottom: 1px solid var(--line); }
.journey-checklist > div > span { display: grid; place-items: center; width: 31px; height: 31px; border: 1px solid var(--line); border-radius: 50%; color: var(--muted); font-size: .68rem; font-weight: 800; }
.journey-checklist .is-done > span { color: #201f2f; border-color: transparent; background: #eeedf2; }
.journey-checklist .is-current > span { color: var(--white); border-color: transparent; background: var(--accent); }
.journey-checklist p { margin: 0; }
.journey-checklist strong, .journey-checklist small { display: block; }
.journey-checklist strong { font-size: .78rem; }
.journey-checklist small { color: var(--muted); font-size: .65rem; }
.journey-advisor { display: grid; grid-template-columns: 42px 1fr 28px; gap: 11px; align-items: center; padding: 14px; border-radius: 17px; color: var(--white); background: var(--ink); }
.journey-advisor__avatar { display: grid; place-items: center; width: 40px; height: 40px; border-radius: 13px; color: var(--ink); background: var(--lime); font-size: .6rem; font-weight: 900; }
.journey-advisor p { margin: 0; }
.journey-advisor small, .journey-advisor strong { display: block; }
.journey-advisor small { color: rgba(255,255,255,.55); font-size: .6rem; }
.journey-advisor strong { font-size: .74rem; }
.journey-mini-card { position: absolute; z-index: 4; left: -5px; bottom: 64px; width: 245px; padding: 18px; border-radius: 20px; color: var(--ink); background: var(--lime); box-shadow: 0 25px 65px rgba(23,20,41,.27); transform: rotate(-3deg); }
.journey-mini-card span, .journey-mini-card strong, .journey-mini-card small { display: block; }
.journey-mini-card span { margin-bottom: 8px; font-size: .62rem; font-weight: 800; text-transform: uppercase; letter-spacing: .08em; }
.journey-mini-card strong { font-size: .9rem; line-height: 1.25; }
.journey-mini-card small { margin-top: 8px; color: rgba(23,20,41,.63); font-size: .64rem; }

/* Calculator */
.calculator-showcase { background: var(--white); }
.calculator-showcase__grid { display: grid; grid-template-columns: minmax(0,1.02fr) minmax(500px,.98fr); gap: 85px; align-items: center; }
.calculator-showcase__visual { position: relative; min-height: 720px; overflow: hidden; border-radius: 44px; background: var(--ink); }
.calculator-showcase__visual picture, .calculator-showcase__visual img { width: 100%; height: 100%; }
.calculator-showcase__visual picture { position: absolute; inset: 0; }
.calculator-showcase__visual img { object-fit: cover; }
.calculator-showcase__visual::after { position: absolute; inset: 0; content: ""; background: linear-gradient(180deg,rgba(23,20,41,.06),rgba(23,20,41,.63)); }
.calculator-showcase__overlay { position: absolute; z-index: 2; left: 32px; right: 32px; bottom: 31px; color: var(--white); }
.calculator-showcase__overlay span, .calculator-showcase__overlay strong { display: block; }
.calculator-showcase__overlay span { margin-bottom: 9px; color: var(--lime); font-size: .7rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.calculator-showcase__overlay strong { max-width: 500px; font-size: clamp(2rem,3.2vw,3.5rem); line-height: 1.02; letter-spacing: -.055em; }
.calculator-payment-bubble { position: absolute; z-index: 3; right: 25px; top: 25px; width: 210px; padding: 19px; border-radius: 21px; color: var(--ink); background: rgba(255,255,255,.92); box-shadow: var(--shadow-soft); backdrop-filter: blur(15px); }
.calculator-payment-bubble small, .calculator-payment-bubble strong, .calculator-payment-bubble span { display: block; }
.calculator-payment-bubble small { color: var(--muted); font-size: .63rem; }
.calculator-payment-bubble strong { margin: 5px 0 0; font-size: 2rem; letter-spacing: -.06em; }
.calculator-payment-bubble span { color: var(--muted); font-size: .65rem; }
.calculator-showcase__content h2 { max-width: 700px; }
.calculator-showcase__content > p { font-size: 1.03rem; }
.mortgage-calculator--visual { margin-top: 32px; padding: 27px; border: 1px solid var(--line); box-shadow: none; }
.mortgage-calculator--visual .input-wrap { background: var(--paper); }
.calculator-result--visual { margin-bottom: 20px; }
.calculator-result--visual strong { font-size: 2.3rem; }

/* Licensing */
.licensing-showcase { background: var(--soft); }
.licensing-showcase__grid { display: grid; grid-template-columns: minmax(0,1.14fr) minmax(390px,.86fr); gap: 25px; }
.us-map-card--visual { min-height: 660px; display: flex; flex-direction: column; justify-content: space-between; padding: 33px; border-radius: 36px; background: var(--white); box-shadow: none; }
.map-card-top { display: flex; justify-content: space-between; align-items: center; gap: 20px; }
.map-card-top > span { font-size: .76rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.map-card-top .license-legend { margin: 0; }
.us-map-card--visual .us-map { margin: auto 0; }
.us-map-card--visual .map-land { fill: #e9e6ef; stroke: #fff; }
.us-map-card--visual .map-state--licensed { fill: var(--green); }
.us-map-card--visual .map-state--pending { fill: #8a8494; }
.licensing-story { display: grid; grid-template-rows: 1.1fr auto; gap: 20px; }
.licensing-story figure { position: relative; min-height: 375px; margin: 0; overflow: hidden; border-radius: 36px; }
.licensing-story figure picture, .licensing-story figure img { width: 100%; height: 100%; }
.licensing-story figure img { object-fit: cover; }
.licensing-story figure::after { position: absolute; inset: 0; content: ""; background: linear-gradient(180deg,transparent 30%,rgba(23,20,41,.72)); }
.licensing-story figcaption { position: absolute; z-index: 2; left: 25px; right: 25px; bottom: 23px; color: var(--white); }
.licensing-story figcaption span, .licensing-story figcaption strong { display: block; }
.licensing-story figcaption span { color: var(--lime); font-size: .66rem; font-weight: 800; text-transform: uppercase; letter-spacing: .09em; }
.licensing-story figcaption strong { max-width: 360px; margin-top: 6px; font-size: 1.55rem; line-height: 1.12; letter-spacing: -.04em; }
.state-detail--visual { padding: 27px; border: 0; border-radius: 28px; background: var(--ink); }
.state-detail--visual h3 { color: var(--white); font-size: 2rem; }
.state-detail--visual p { color: rgba(255,255,255,.65); }
.state-detail--visual small { color: rgba(255,255,255,.5); }
.state-detail--visual .text-link { color: var(--white); }

/* MLO experience */
.mlo-showcase { background: var(--white); }
.mlo-showcase__grid { display: grid; grid-template-columns: minmax(0,1.05fr) minmax(0,.95fr); gap: 90px; align-items: center; }
.mlo-showcase__visual { position: relative; min-height: 685px; overflow: hidden; border-radius: 44px; background: var(--cream); }
.mlo-showcase__visual picture, .mlo-showcase__visual img { width: 100%; height: 100%; }
.mlo-showcase__visual picture { position: absolute; inset: 0; }
.mlo-showcase__visual img { object-fit: cover; }
.mlo-showcase__visual::after { position: absolute; inset: 0; content: ""; background: linear-gradient(180deg,transparent 40%,rgba(23,20,41,.35)); }
.mlo-search-card { position: absolute; z-index: 2; left: 28px; right: 28px; bottom: 28px; padding: 24px; border-radius: 25px; background: rgba(255,255,255,.92); box-shadow: var(--shadow-soft); backdrop-filter: blur(18px); }
.mlo-search-card__label { display: block; margin-bottom: 7px; color: var(--accent-dark); font-size: .65rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.mlo-search-card > strong { display: block; font-size: 1.7rem; line-height: 1.08; letter-spacing: -.045em; }
.mlo-search-card__row { display: grid; grid-template-columns: 44px 1fr 30px; gap: 12px; align-items: center; margin-top: 19px; padding-top: 17px; border-top: 1px solid var(--line); }
.mlo-search-card__avatar { display: grid; place-items: center; width: 43px; height: 43px; border-radius: 15px; color: var(--white); background: var(--accent); font-size: .68rem; font-weight: 850; }
.mlo-search-card__row b, .mlo-search-card__row small { display: block; }
.mlo-search-card__row b { font-size: .8rem; }
.mlo-search-card__row small { color: var(--muted); font-size: .66rem; }
.mlo-showcase__copy > p { font-size: 1.05rem; }
.mlo-feature-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin: 32px 0 34px; }
.mlo-feature-grid > div { padding: 20px; border-radius: 19px; background: var(--soft); }
.mlo-feature-grid span, .mlo-feature-grid strong, .mlo-feature-grid small { display: block; }
.mlo-feature-grid span { margin-bottom: 22px; color: var(--accent); font-size: .66rem; font-weight: 850; }
.mlo-feature-grid strong { font-size: .84rem; }
.mlo-feature-grid small { margin-top: 5px; color: var(--muted); font-size: .68rem; line-height: 1.42; }

/* Learning cards */
.learning-showcase { background: var(--cream); }
.learning-grid { display: grid; grid-template-columns: 1.12fr .88fr; grid-template-rows: repeat(2,315px); gap: 18px; }
.learning-card { position: relative; overflow: hidden; border-radius: 30px; color: var(--white); }
.learning-card--large { grid-row: 1 / span 2; }
.learning-card picture, .learning-card img { width: 100%; height: 100%; }
.learning-card picture { position: absolute; inset: 0; }
.learning-card img { object-fit: cover; transition: transform .7s cubic-bezier(.2,.7,.2,1); }
.learning-card:hover img { transform: scale(1.05); }
.learning-card__shade { position: absolute; inset: 0; background: linear-gradient(180deg,rgba(23,20,41,.04),rgba(23,20,41,.85)); }
.learning-card__copy { position: absolute; left: 27px; right: 70px; bottom: 26px; }
.learning-card__copy small, .learning-card__copy strong, .learning-card__copy span { display: block; }
.learning-card__copy small { color: var(--lime); font-size: .66rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.learning-card__copy strong { margin-top: 7px; font-size: 1.65rem; line-height: 1.08; letter-spacing: -.045em; }
.learning-card--large .learning-card__copy strong { max-width: 650px; font-size: clamp(2.25rem,3.3vw,3.8rem); }
.learning-card__copy span { max-width: 580px; margin-top: 10px; color: rgba(255,255,255,.68); font-size: .76rem; line-height: 1.45; }
.learning-card__arrow { position: absolute; right: 24px; bottom: 24px; display: grid; place-items: center; width: 45px; height: 45px; border-radius: 50%; color: var(--ink); background: var(--white); font-style: normal; }

/* Final CTA */
.final-visual-cta { padding: 0 0 110px; background: var(--cream); }
.final-visual-cta__inner { position: relative; min-height: 670px; overflow: hidden; border-radius: 46px; color: var(--white); }
.final-visual-cta picture, .final-visual-cta img { width: 100%; height: 100%; }
.final-visual-cta picture { position: absolute; inset: 0; }
.final-visual-cta img { object-fit: cover; object-position: center; }
.final-visual-cta__shade { position: absolute; inset: 0; background: linear-gradient(90deg,rgba(23,20,41,.92) 0%,rgba(23,20,41,.67) 48%,rgba(23,20,41,.1) 100%); }
.final-visual-cta__copy { position: absolute; z-index: 2; left: clamp(30px,5vw,72px); top: 50%; width: min(650px,calc(100% - 60px)); transform: translateY(-50%); }
.final-visual-cta__copy h2 { color: var(--white); }
.final-visual-cta__copy p { color: rgba(255,255,255,.7); font-size: 1.05rem; }
.final-visual-cta__copy > div:last-child { display: flex; flex-wrap: wrap; gap: 13px; margin-top: 31px; }

/* Footer polish */
.site-footer { background: #12101f; }
.site-footer__grid { gap: 75px; }
.site-footer h2 { font-size: .7rem; }
.site-footer a { transition: color .2s ease; }
.site-footer a:hover { color: var(--white); }

/* Internal pages inherit the cleaner typography and receive a visual image panel. */
.internal-hero { background: radial-gradient(circle at 88% 0,rgba(32,31,47,.14) 0,transparent 37%),var(--cream); }
.internal-hero__panel, .best-for-card, .contact-card { border-color: rgba(32,31,47,.12); border-radius: 30px; }
.internal-hero h1 em { color: var(--accent); }
.stage-grid article, .equity-grid article, .values-grid article, .product-directory__card, .article-directory article, .mlo-directory__card, .license-directory article { border-radius: 24px; }

@media (max-width: 1180px) {
  .primary-nav { gap: 17px; }
  .primary-nav a { font-size: .8rem; }
  .header-phone { display: none; }
  .visual-hero__grid { grid-template-columns: minmax(0,.9fr) minmax(480px,1.1fr); gap: 38px; }
  .visual-hero__media { min-height: 650px; }
  .hero-photo-card { height: 575px; }
  .goal-card-grid { grid-template-columns: repeat(3,1fr); }
  .broker-layout, .journey-layout, .calculator-showcase__grid, .mlo-showcase__grid { gap: 55px; }
  .broker-visual { min-height: 650px; }
  .broker-visual__main { height: 545px; }
  .journey-layout { grid-template-columns: minmax(0,.85fr) minmax(460px,1.15fr); }
}

@media (max-width: 920px) {
  .section { padding: 92px 0; }
  .site-header__inner { min-height: 72px; }
  .primary-nav { inset: 114px 0 auto 0; height: calc(100vh - 114px); }
  .editorial-heading { grid-template-columns: 1fr; gap: 17px; margin-bottom: 42px; }
  .editorial-heading__link { justify-self: start; }

  .visual-hero { padding-top: 52px; }
  .visual-hero__grid { grid-template-columns: 1fr; gap: 20px; }
  .visual-hero__copy { max-width: 780px; padding-bottom: 20px; }
  .visual-hero__media { min-height: 650px; width: min(100%,720px); margin-inline: auto; }
  .hero-photo-card { width: 84%; }
  .visual-hero__proof { max-width: none; }

  .goal-card-grid { grid-template-columns: 1fr 1fr; }
  .goal-card { min-height: 500px; }
  .goal-card--buy { grid-column: 1 / -1; }

  .broker-layout, .journey-layout, .calculator-showcase__grid, .mlo-showcase__grid { grid-template-columns: 1fr; }
  .broker-visual { width: min(100%,750px); margin-inline: auto; }
  .broker-copy { max-width: 760px; }
  .journey-ui { width: min(100%,730px); margin-inline: auto; }
  .calculator-showcase__visual { min-height: 600px; }
  .calculator-showcase__content { max-width: 760px; }
  .licensing-showcase__grid { grid-template-columns: 1fr; }
  .us-map-card--visual { min-height: 570px; }
  .licensing-story { grid-template-columns: 1fr 1fr; grid-template-rows: none; }
  .licensing-story figure { min-height: 390px; }
  .mlo-showcase__visual { min-height: 600px; }
  .learning-grid { grid-template-columns: 1fr 1fr; grid-template-rows: 520px 360px; }
  .learning-card--large { grid-column: 1 / -1; grid-row: auto; }
  .final-visual-cta__inner { min-height: 590px; }
}

@media (max-width: 640px) {
  .shell { width: min(calc(100% - 28px),var(--shell)); }
  .section { padding: 74px 0; }
  h1 { font-size: clamp(3.25rem,16vw,4.65rem); }
  h2 { font-size: clamp(2.45rem,11vw,3.45rem); }
  .rate-strip__inner { min-height: 38px; }
  .rate-strip__copy [data-rate-date] { display: none; }
  .primary-nav { inset: 108px 0 auto 0; height: calc(100vh - 108px); }
  .button--hero { width: 100%; }
  .section-kicker { margin-bottom: 17px; font-size: .66rem; }
  .editorial-heading { margin-bottom: 32px; }
  .editorial-heading > p { font-size: .94rem; }

  .visual-hero { padding-top: 42px; }
  .visual-hero__copy { padding-top: 7px; }
  .visual-hero h1 { margin-bottom: 23px; }
  .visual-hero__lead { font-size: 1rem; }
  .visual-hero__actions { flex-direction: column; margin-top: 28px; }
  .visual-hero__proof { grid-template-columns: 1fr; gap: 13px; margin-top: 31px; padding-top: 22px; }
  .visual-hero__media { min-height: 480px; margin-top: 15px; }
  .hero-photo-card { top: 0; width: 90%; height: 405px; border-width: 6px; border-radius: 30px 30px 30px 78px; }
  .hero-photo-card figcaption { left: 13px; right: 13px; bottom: 12px; padding: 12px; }
  .hero-photo-card figcaption span { display: none; }
  .hero-photo-card figcaption strong { max-width: none; text-align: left; font-size: .76rem; }
  .hero-house-card { bottom: 4px; width: 42%; height: 132px; border-width: 5px; border-radius: 18px; }
  .hero-rate-card { top: 35px; left: -2px; width: 170px; padding: 14px; border-radius: 17px; }
  .hero-rate-card__top { margin-bottom: 12px; font-size: .56rem; }
  .hero-rate-card > strong { font-size: 1.55rem; }
  .hero-rate-card > a { margin-top: 10px; padding-top: 9px; }
  .hero-guidance-card { right: -1px; bottom: 18px; padding: 10px; }
  .hero-guidance-card__icon { width: 34px; height: 34px; }
  .hero-guidance-card strong { font-size: .7rem; }
  .hero-guidance-card small { font-size: .57rem; }
  .hero-option-rail { justify-content: flex-start; min-height: 65px; overflow-x: auto; flex-wrap: nowrap; padding-inline: 2px; white-space: nowrap; }

  .goal-card-grid { grid-template-columns: 1fr; }
  .goal-card--buy { grid-column: auto; }
  .goal-card { min-height: 440px; border-radius: 25px; }
  .goal-card__copy { left: 22px; right: 65px; bottom: 22px; }
  .goal-card__copy strong { font-size: 2.35rem; }
  .goal-card__arrow { right: 19px; bottom: 20px; }

  .broker-section { padding-top: 78px; }
  .broker-visual { min-height: 500px; }
  .broker-visual__main { width: 90%; height: 410px; border-radius: 28px; }
  .broker-visual__detail { width: 43%; height: 185px; border-width: 5px; border-radius: 20px; }
  .broker-visual__card { left: 14px; bottom: 10px; width: 245px; padding: 17px; border-radius: 18px; }
  .broker-visual__card > strong { font-size: 1.16rem; }
  .broker-visual__card > div { font-size: .65rem; }
  .broker-comparison { overflow-x: auto; }
  .broker-comparison__head, .broker-comparison > div { min-width: 610px; }

  .product-bento { grid-template-columns: 1fr; }
  .product-tile, .product-tile--conventional, .product-tile--fha, .product-tile--va, .product-tile--investor, .product-tile--all { grid-column: auto; grid-row: auto; min-height: 340px; }
  .product-tile--conventional { min-height: 470px; }
  .product-tile__mark { font-size: 14rem; }
  .product-tile--fha .product-tile__mark, .product-tile--va .product-tile__mark { font-size: 10rem; }
  .product-tile--all { min-height: 300px; }

  .journey-layout { gap: 42px; }
  .journey-ui { min-height: 555px; }
  .journey-device { width: 94%; padding: 18px; border-width: 6px; border-radius: 29px; }
  .journey-mini-card { left: -2px; bottom: 20px; width: 205px; padding: 14px; }
  .journey-device__welcome { padding-block: 17px 12px; }
  .journey-checklist > div { padding: 10px 2px; }

  .calculator-showcase__grid { gap: 38px; }
  .calculator-showcase__visual { min-height: 460px; border-radius: 28px; }
  .calculator-showcase__overlay { left: 21px; right: 21px; bottom: 21px; }
  .calculator-showcase__overlay strong { font-size: 2rem; }
  .calculator-payment-bubble { right: 14px; top: 14px; width: 180px; padding: 14px; }
  .mortgage-calculator--visual { padding: 20px; }
  .mortgage-calculator--visual .calculator-result { display: grid; }
  .calculator-result--visual strong { font-size: 1.8rem; }

  .us-map-card--visual { min-height: 430px; padding: 19px; border-radius: 25px; }
  .map-card-top { align-items: flex-start; flex-direction: column; }
  .map-card-top .license-legend { gap: 10px; }
  .licensing-story { grid-template-columns: 1fr; }
  .licensing-story figure { min-height: 330px; border-radius: 25px; }
  .state-detail--visual { border-radius: 24px; }

  .mlo-showcase__grid { gap: 40px; }
  .mlo-showcase__visual { min-height: 490px; border-radius: 28px; }
  .mlo-search-card { left: 14px; right: 14px; bottom: 14px; padding: 17px; }
  .mlo-search-card > strong { font-size: 1.3rem; }
  .mlo-feature-grid { grid-template-columns: 1fr; }
  .mlo-feature-grid span { margin-bottom: 12px; }

  .learning-grid { grid-template-columns: 1fr; grid-template-rows: none; }
  .learning-card, .learning-card--large { min-height: 390px; grid-column: auto; grid-row: auto; }
  .learning-card--large .learning-card__copy strong { font-size: 2.35rem; }
  .learning-card__copy { left: 21px; right: 65px; bottom: 21px; }

  .final-visual-cta { padding-bottom: 55px; }
  .final-visual-cta__inner { min-height: 560px; border-radius: 29px; }
  .final-visual-cta__shade { background: linear-gradient(180deg,rgba(23,20,41,.2),rgba(23,20,41,.91)); }
  .final-visual-cta__copy { top: auto; left: 24px; right: 24px; bottom: 28px; width: auto; transform: none; }
  .final-visual-cta__copy > div:last-child { flex-direction: column; }
  .final-visual-cta__copy .button { width: 100%; }

  .site-footer__grid { gap: 38px; }
}

@media (prefers-reduced-motion: reduce) {
  .reveal-ready [data-reveal] { opacity: 1; transform: none; }
}

/* Compact CTA fallback used on internal pages without a background photo. */
.final-cta__card > div:first-child:not(.final-cta__overlay):not(.final-cta__content) {
  position: relative;
  z-index: 2;
  max-width: 760px;
  flex: 1;
  padding: clamp(42px,6vw,76px) 20px clamp(42px,6vw,76px) clamp(34px,6vw,76px);
}
.final-cta__card > div:first-child:not(.final-cta__overlay):not(.final-cta__content) h2 { margin-bottom: 20px; }
.final-cta__card > div:first-child:not(.final-cta__overlay):not(.final-cta__content) p { color: rgba(255,255,255,.72); }
.final-cta__card > .final-cta__actions {
  position: relative;
  z-index: 2;
  justify-content: flex-end;
  padding: clamp(42px,6vw,76px) clamp(34px,6vw,76px) clamp(42px,6vw,76px) 20px;
}
@media (max-width: 680px) {
  .final-cta__card { min-height: 0; flex-direction: column; align-items: stretch; }
  .final-cta__card > div:first-child:not(.final-cta__overlay):not(.final-cta__content) { width: 100%; flex: 0 0 auto; padding: 40px 24px 15px; }
  .final-cta__card > .final-cta__actions { width: 100%; flex: 0 0 auto; flex-direction: column; justify-content: flex-start; margin-top: 0; padding: 15px 24px 40px; }
  .final-cta__card > .final-cta__actions .button { width: 100%; }
}

/* Visual internal-page hero */
.internal-hero--visual { padding: 82px 0 95px; }
.internal-hero--visual .internal-hero__grid { grid-template-columns: minmax(0,.88fr) minmax(500px,1.12fr); gap: 72px; }
.internal-hero__copy .hero__lead { max-width: 680px; }
.internal-hero__media { position: relative; min-height: 610px; overflow: hidden; border-radius: 42px; box-shadow: var(--shadow-soft); }
.internal-hero__media picture, .internal-hero__media img { width: 100%; height: 100%; }
.internal-hero__media picture { position: absolute; inset: 0; }
.internal-hero__media img { object-fit: cover; }
.internal-hero__media::after { position: absolute; inset: 0; content: ""; background: linear-gradient(180deg,transparent 35%,rgba(23,20,41,.58)); }
.internal-hero__panel--overlay { position: absolute; z-index: 2; left: 24px; right: 24px; bottom: 24px; padding: 24px; border: 1px solid rgba(255,255,255,.42); color: var(--white); background: rgba(23,20,41,.58); box-shadow: none; backdrop-filter: blur(18px); }
.internal-hero__panel--overlay .internal-hero__kicker { margin-bottom: 10px; color: var(--lime); }
.internal-hero__panel--overlay strong { max-width: 520px; color: var(--white); font-size: 1.55rem; }
.internal-hero__panel--overlay ul { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 18px; }
.internal-hero__panel--overlay li { padding: 7px 10px; border: 1px solid rgba(255,255,255,.22); border-radius: 999px; color: rgba(255,255,255,.75); font-size: .66rem; }

@media (max-width: 920px) {
  .internal-hero--visual .internal-hero__grid { grid-template-columns: 1fr; gap: 42px; }
  .internal-hero__copy { max-width: 780px; }
  .internal-hero__media { min-height: 560px; }
}
@media (max-width: 640px) {
  .internal-hero--visual { padding: 55px 0 68px; }
  .internal-hero__media { min-height: 450px; border-radius: 27px; }
  .internal-hero__panel--overlay { left: 13px; right: 13px; bottom: 13px; padding: 17px; border-radius: 19px; }
  .internal-hero__panel--overlay strong { font-size: 1.18rem; }
  .internal-hero__panel--overlay ul { display: none; }
}
.internal-hero__panel--overlay p {
  max-width: 560px;
  margin-top: 11px;
  color: rgba(255,255,255,.72);
  font-size: .72rem;
  line-height: 1.55;
}
@media (max-width: 640px) {
  .internal-hero__panel--overlay p { display: none; }
}

/* Editorial learning center and SEO article pages */
.article-page { background: var(--white); }
.article-layout { display: grid; grid-template-columns: minmax(210px,.34fr) minmax(0,1fr); gap: clamp(50px,8vw,120px); align-items: start; }
.article-aside { position: sticky; top: 128px; display: grid; gap: 0; padding: 25px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.article-aside > span { margin-bottom: 14px; color: var(--accent-dark); font-family: var(--font-display); font-size: .66rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.article-aside a { padding: 10px 0; color: var(--muted); font-size: .76rem; font-weight: 650; line-height: 1.35; }
.article-aside a:hover { color: var(--accent-dark); }
.article-prose { max-width: 820px; }
.article-prose p { margin: 0 0 23px; font-size: 1rem; line-height: 1.78; }
.article-deck { color: var(--ink); font-family: var(--font-display); font-size: clamp(1.45rem,2.3vw,2.15rem) !important; font-weight: 650; line-height: 1.3 !important; letter-spacing: -.035em; }
.article-callout { margin-top: 42px; padding: clamp(26px,4vw,40px); border-left: 4px solid var(--accent); border-radius: 0 24px 24px 0; background: var(--accent-soft); }
.article-callout strong { display: block; margin-bottom: 9px; font-family: var(--font-display); font-size: 1.25rem; letter-spacing: -.025em; }
.article-callout p { margin: 0; color: var(--ink-3); font-size: .84rem; }
.guide-card-grid { display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 18px; }
.guide-card-grid article { min-height: 300px; display: flex; flex-direction: column; padding: 29px; border: 1px solid var(--line); border-radius: 24px; background: var(--white); box-shadow: 0 15px 45px rgba(23,20,41,.045); }
.guide-card-grid article > span { color: var(--accent-dark); font-family: var(--font-display); font-size: .65rem; font-weight: 800; letter-spacing: .12em; }
.guide-card-grid h3 { margin: auto 0 17px; font-size: 1.55rem; }
.guide-card-grid p { margin: 0; color: var(--muted); font-size: .78rem; line-height: 1.65; }
.guide-card-grid article:nth-child(5):last-child { grid-column: span 2; min-height: 245px; }
.article-directory--visual { align-items: stretch; }
.article-directory--visual .article-card { height: 100%; }
.article-directory--visual .article-card > div { display: flex; min-height: 300px; flex-direction: column; }
.article-directory--visual .article-card p { min-height: 0; }
.article-directory--visual .article-card .text-link { margin-top: auto; }

@media (max-width: 1040px) {
  .guide-card-grid { grid-template-columns: repeat(2,minmax(0,1fr)); }
  .guide-card-grid article:nth-child(5):last-child { grid-column: span 2; }
}
@media (max-width: 820px) {
  .article-layout { grid-template-columns: 1fr; gap: 35px; }
  .article-aside { position: static; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 0 24px; }
  .article-aside > span { grid-column: 1 / -1; }
}
@media (max-width: 640px) {
  .article-aside { grid-template-columns: 1fr; }
  .article-prose p { font-size: .9rem; }
  .guide-card-grid { grid-template-columns: 1fr; }
  .guide-card-grid article, .guide-card-grid article:nth-child(5):last-child { grid-column: auto; min-height: 260px; }
  .article-directory--visual .article-card > div { min-height: 0; }
}

/* ======================================================================
   Learning center and SEO guide pages
   ====================================================================== */
.learning-directory-section { background: var(--paper); }
.article-grid--directory .article-card { display: flex; flex-direction: column; border-color: rgba(23,20,41,.09); border-radius: 30px; box-shadow: 0 8px 30px rgba(23,20,41,.035); }
.article-grid--directory .article-card__image { height: 260px; }
.article-grid--directory .article-card > div { display: flex; flex: 1; flex-direction: column; padding: 30px; }
.article-grid--directory .article-card h3 { margin-top: 14px; font-size: 1.75rem; }
.article-grid--directory .article-card p { min-height: 0; flex: 1; margin: 18px 0 27px; }

.learning-principles { display: grid; grid-template-columns: minmax(0,.75fr) minmax(520px,1.25fr); gap: 100px; align-items: start; }
.learning-principles > div:first-child { position: sticky; top: 140px; }
.learning-principles > div:first-child h2 { margin-bottom: 25px; }
.learning-principles > div:first-child p { max-width: 620px; font-size: 1.05rem; }
.learning-principles__grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.learning-principles__grid article { min-height: 240px; padding: 28px; border: 1px solid rgba(23,20,41,.08); border-radius: 26px; background: var(--white); }
.learning-principles__grid article:nth-child(2), .learning-principles__grid article:nth-child(3) { background: var(--accent-soft); }
.learning-principles__grid span { display: grid; width: 39px; height: 39px; place-items: center; margin-bottom: 52px; border-radius: 50%; color: var(--white); background: var(--accent); font-size: .68rem; font-weight: 800; }
.learning-principles__grid strong { display: block; margin-bottom: 10px; font-size: 1.25rem; letter-spacing: -.035em; }
.learning-principles__grid p { font-size: .78rem; }

.article-content-section { background: var(--paper); }
.article-layout { display: grid; grid-template-columns: minmax(0,1fr) 390px; gap: clamp(70px,8vw,120px); align-items: start; }
.article-prose { max-width: 820px; }
.article-meta { display: flex; flex-wrap: wrap; gap: 9px; margin-bottom: 34px; }
.article-meta span { padding: 8px 11px; border: 1px solid rgba(23,20,41,.1); border-radius: 999px; color: var(--ink-2); background: rgba(255,255,255,.72); font-size: .65rem; font-weight: 750; }
.article-deck { margin-bottom: 72px; color: var(--ink-2); font-size: clamp(1.25rem,1.8vw,1.55rem); line-height: 1.55; letter-spacing: -.025em; }
.article-section { position: relative; padding: 0 0 70px 80px; }
.article-section:not(:last-of-type) { margin-bottom: 65px; border-bottom: 1px solid rgba(23,20,41,.1); }
.article-section__number { position: absolute; top: 4px; left: 0; display: grid; width: 49px; height: 49px; place-items: center; border-radius: 50%; color: var(--accent); background: var(--accent-soft); font-size: .7rem; font-weight: 850; }
.article-section h2 { max-width: 720px; margin-bottom: 28px; font-size: clamp(2.1rem,3.2vw,3.65rem); }
.article-section > p { margin-bottom: 22px; color: #5d596a; font-size: 1.02rem; line-height: 1.82; }
.article-bullet-list { display: grid; gap: 12px; margin: 31px 0 0; padding: 0; list-style: none; }
.article-bullet-list li { display: grid; grid-template-columns: 30px 1fr; gap: 13px; align-items: start; padding: 17px 18px; border: 1px solid rgba(23,20,41,.08); border-radius: 16px; background: var(--white); color: #5d596a; font-size: .88rem; line-height: 1.6; }
.article-bullet-list li > span { display: grid; width: 24px; height: 24px; place-items: center; border-radius: 50%; color: var(--accent-dark); background: var(--accent-soft); font-size: .68rem; font-weight: 900; }
.article-bullet-list strong { color: var(--ink); }
.article-disclosure { padding: 27px 29px; border-left: 4px solid var(--accent); border-radius: 0 20px 20px 0; background: var(--accent-soft); }
.article-disclosure strong { display: block; margin-bottom: 7px; color: var(--accent-dark); font-size: .72rem; letter-spacing: .1em; text-transform: uppercase; }
.article-disclosure p { color: var(--ink-2); font-size: .78rem; line-height: 1.7; }

.article-sidebar { position: sticky; top: 128px; }
.article-summary-card { overflow: hidden; padding: 31px; border: 1px solid rgba(23,20,41,.09); border-radius: 30px; background: var(--white); box-shadow: var(--shadow-soft); }
.article-summary-card::before { display: block; width: 64px; height: 8px; margin: -31px -31px 27px; border-radius: 0 0 999px 0; background: var(--lime); content: ""; }
.article-summary-card__label { color: var(--accent-dark); font-size: .67rem; font-weight: 850; letter-spacing: .11em; text-transform: uppercase; }
.article-summary-card h2 { margin: 12px 0 25px; font-size: 2rem; }
.article-summary-card ul { display: grid; gap: 0; margin: 0 0 28px; padding: 0; list-style: none; }
.article-summary-card li { display: grid; grid-template-columns: 23px 1fr; gap: 10px; padding: 14px 0; border-top: 1px solid rgba(23,20,41,.09); color: var(--muted); font-size: .77rem; line-height: 1.55; }
.article-summary-card li > span { color: var(--green); font-weight: 900; }
.article-summary-card__contact { display: block; margin-top: 18px; color: var(--ink); font-size: .75rem; font-weight: 750; text-align: center; }

.article-faq-section .faq-layout { align-items: start; }
.article-related-section { background: var(--white); }
.article-related-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.article-related-grid a { position: relative; min-height: 230px; display: flex; flex-direction: column; justify-content: space-between; padding: 28px; overflow: hidden; border: 1px solid rgba(23,20,41,.09); border-radius: 26px; background: var(--paper); transition: transform .25s ease, box-shadow .25s ease, background-color .25s ease; }
.article-related-grid a:nth-child(2) { background: var(--accent-soft); }
.article-related-grid a:nth-child(3) { background: var(--sky); }
.article-related-grid a:hover { transform: translateY(-5px); box-shadow: var(--shadow-soft); }
.article-related-grid span { color: var(--accent-dark); font-size: .68rem; font-weight: 850; }
.article-related-grid strong { max-width: 270px; font-size: 1.65rem; line-height: 1.08; letter-spacing: -.045em; }
.article-related-grid b { position: absolute; right: 25px; bottom: 24px; display: grid; width: 43px; height: 43px; place-items: center; border-radius: 50%; color: var(--white); background: var(--ink); }

@media (max-width: 1080px) {
  .learning-principles { grid-template-columns: 1fr; gap: 55px; }
  .learning-principles > div:first-child { position: static; }
  .article-layout { grid-template-columns: minmax(0,1fr) 330px; gap: 55px; }
}

@media (max-width: 860px) {
  .article-layout { grid-template-columns: 1fr; }
  .article-prose { max-width: none; }
  .article-sidebar { position: static; order: -1; }
  .article-summary-card { max-width: 620px; }
  .article-related-grid { grid-template-columns: 1fr 1fr; }
  .article-related-grid a:last-child { grid-column: 1 / -1; }
}

@media (max-width: 680px) {
  .article-grid--directory .article-card__image { height: 235px; }
  .learning-principles__grid { grid-template-columns: 1fr; }
  .learning-principles__grid article { min-height: 210px; }
  .learning-principles__grid span { margin-bottom: 34px; }
  .article-deck { margin-bottom: 52px; font-size: 1.15rem; }
  .article-section { padding: 0 0 52px; }
  .article-section:not(:last-of-type) { margin-bottom: 50px; }
  .article-section__number { position: static; width: 42px; height: 42px; margin-bottom: 20px; }
  .article-section h2 { font-size: 2.25rem; }
  .article-section > p { font-size: .94rem; }
  .article-bullet-list li { padding: 15px; }
  .article-summary-card { padding: 25px; border-radius: 24px; }
  .article-summary-card::before { margin: -25px -25px 23px; }
  .article-related-grid { grid-template-columns: 1fr; }
  .article-related-grid a:last-child { grid-column: auto; }
  .article-related-grid a { min-height: 205px; }
}

/* ======================================================================
   HMCO Website V3 — white-first editorial system in the original HMCO
   charcoal-purple palette. No cream, neon or unrelated accent colors.
   ====================================================================== */
:root {
  --ink: #201f2f;
  --ink-2: #343244;
  --ink-3: #4c495a;
  --muted: #6d6a77;
  --accent: #201f2f;
  --accent-dark: #12111c;
  --accent-soft: #eeedf2;
  --lavender: #e4e2e9;
  --cream: #ffffff;
  --paper: #f8f8fa;
  --sky: #f3f3f6;
  --lime: #ffffff;
  --lime-dark: #f1f0f4;
  --soft: #f5f5f7;
  --warm: #f5f5f7;
  --warm-2: #ecebf0;
  --white: #ffffff;
  --line: #e2e1e6;
  --line-strong: #cbc9d1;
  --green: #201f2f;
  --green-soft: #efeff2;
  --amber: #8b8596;
  --status-licensed: #201f2f;
  --status-pending: #8a8494;
  --status-unavailable: #e6e5ea;
  --shadow: 0 28px 80px rgba(32,31,47,.13);
  --shadow-soft: 0 18px 54px rgba(32,31,47,.08);
  --shadow-card: 0 12px 34px rgba(32,31,47,.07);
  --radius-sm: 14px;
  --radius: 24px;
  --radius-lg: 34px;
  --shell: 1320px;
}

html { scroll-padding-top: 118px; }
body { color: var(--ink); background: var(--white); }
p { color: var(--muted); }
em { color: var(--ink); }
.section { padding: clamp(88px, 8vw, 128px) 0; }
.section--soft, .section--warm { background: var(--soft); }
.shell { width: min(calc(100% - 48px), var(--shell)); }
h1, h2, h3, h4 { color: var(--ink); }
h1 { font-size: clamp(3.7rem, 6.2vw, 7rem); line-height: .93; letter-spacing: -.065em; }
h2 { font-size: clamp(2.7rem, 4.6vw, 5rem); line-height: .98; letter-spacing: -.058em; }
h3 { letter-spacing: -.045em; }

.button { border-radius: 999px; }
.button--primary,
.button--accent,
.button--dark { color: var(--white); background: var(--ink); box-shadow: 0 14px 30px rgba(32,31,47,.17); }
.button--primary:hover,
.button--accent:hover,
.button--dark:hover { color: var(--white); background: var(--accent-dark); box-shadow: 0 18px 38px rgba(32,31,47,.22); }
.button--outline,
.button--clean,
.button--ghost { color: var(--ink); border: 1px solid var(--line-strong); background: var(--white); box-shadow: none; }
.button--outline:hover,
.button--clean:hover,
.button--ghost:hover { border-color: var(--ink); background: var(--white); }
.button--white,
.button--light,
.button--lime { color: var(--ink); background: var(--white); box-shadow: 0 12px 28px rgba(10,9,18,.16); }
.button--white:hover,
.button--light:hover,
.button--lime:hover { color: var(--ink); background: #f2f1f5; }
.button--outline-light,
.button--glass { color: var(--white); border: 1px solid rgba(255,255,255,.48); background: rgba(255,255,255,.06); box-shadow: none; }
.button--outline-light:hover,
.button--glass:hover { color: var(--white); border-color: var(--white); background: rgba(255,255,255,.12); }
.button:focus-visible, a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, [tabindex]:focus-visible { outline: 3px solid rgba(32,31,47,.28); outline-offset: 4px; }
.text-link b { color: var(--ink); }

.rate-strip { background: var(--ink); }
.rate-strip__dot { background: var(--white); box-shadow: 0 0 0 4px rgba(255,255,255,.12); }
.site-header { border-bottom-color: rgba(32,31,47,.09); background: rgba(255,255,255,.94); }
.site-header.is-scrolled { background: rgba(255,255,255,.98); box-shadow: 0 10px 30px rgba(32,31,47,.07); }
.primary-nav a::after { background: var(--ink); }
.header-actions .button { box-shadow: none; }
.menu-toggle { background: var(--soft); }
.mobile-action-bar { background: rgba(255,255,255,.96); box-shadow: 0 -10px 30px rgba(32,31,47,.12); }
.mobile-action-bar .button { background: var(--ink); }

.section-kicker { color: var(--ink-2); }
.section-kicker > span { background: var(--ink); }
.section-kicker--center { justify-content: center; }
.section-kicker--light { color: rgba(255,255,255,.68); }
.section-kicker--light > span { background: var(--white); }

.v3-heading { display: grid; grid-template-columns: minmax(0,1.1fr) minmax(320px,.7fr); gap: clamp(42px,7vw,92px); align-items: end; margin-bottom: clamp(44px,5vw,68px); }
.v3-heading h2 { max-width: 900px; }
.v3-heading > p { max-width: 560px; margin-bottom: 7px; font-size: 1.05rem; }
.v3-heading--center { grid-template-columns: 1fr; gap: 18px; max-width: 1000px; margin-right: auto; margin-left: auto; text-align: center; }
.v3-heading--center h2, .v3-heading--center p { margin-right: auto; margin-left: auto; }
.v3-heading__link { align-self: end; justify-self: end; margin-bottom: 10px; font-weight: 750; }

/* Homepage hero */
.hmco-hero { overflow: hidden; padding: clamp(66px,7vw,104px) 0 0; background: var(--white); }
.hmco-hero__intro { max-width: 1050px; margin: 0 auto clamp(48px,5.5vw,76px); text-align: center; }
.hmco-hero__intro h1 { max-width: 1030px; margin: 0 auto; }
.hmco-hero__intro h1 em { position: relative; display: inline-block; color: #504d5d; font-style: normal; }
.hmco-hero__intro h1 em::after { position: absolute; right: .02em; bottom: -.12em; left: .02em; height: .09em; border-radius: 99px; background: var(--ink); content: ""; opacity: .16; }
.hmco-hero__intro > p { max-width: 790px; margin: 29px auto 0; font-size: clamp(1.06rem,1.55vw,1.3rem); line-height: 1.6; }
.hmco-hero__actions { display: flex; justify-content: center; flex-wrap: wrap; gap: 13px; margin-top: 35px; }
.hmco-hero__microproof { display: flex; justify-content: center; flex-wrap: wrap; gap: 13px 28px; margin-top: 27px; color: var(--muted); font-size: .76rem; font-weight: 650; }
.hmco-hero__microproof span { display: inline-flex; align-items: center; gap: 8px; }
.hmco-hero__microproof i { display: grid; width: 21px; height: 21px; place-items: center; border-radius: 50%; color: var(--white); background: var(--ink); font-size: .63rem; font-style: normal; }
.hmco-hero__stage { position: relative; min-height: 720px; margin-bottom: 92px; overflow: visible; border-radius: 34px; background: var(--soft); box-shadow: var(--shadow-soft); }
.hmco-hero__photo { position: absolute; inset: 0; overflow: hidden; border-radius: inherit; }
.hmco-hero__photo img { width: 100%; height: 100%; object-fit: cover; object-position: center 46%; }
.hmco-hero__shade { position: absolute; inset: 0; border-radius: inherit; background: linear-gradient(90deg,rgba(32,31,47,.42) 0%,rgba(32,31,47,.04) 45%,rgba(32,31,47,.12) 100%); }
.hero-compare-card { position: absolute; z-index: 3; top: 42px; left: 42px; width: min(330px,calc(100% - 84px)); padding: 24px; border: 1px solid rgba(255,255,255,.66); border-radius: 23px; background: rgba(255,255,255,.94); box-shadow: 0 26px 70px rgba(32,31,47,.19); backdrop-filter: blur(18px); -webkit-backdrop-filter: blur(18px); }
.hero-compare-card__heading { display: grid; grid-template-columns: 44px 1fr; gap: 12px; align-items: center; }
.hero-card-icon { display: grid; width: 44px; height: 44px; place-items: center; border-radius: 14px; color: var(--white); background: var(--ink); }
.hero-card-icon svg { width: 23px; }
.hero-compare-card__heading small, .hero-compare-card__heading strong { display: block; }
.hero-compare-card__heading small { color: var(--muted); font-size: .65rem; }
.hero-compare-card__heading strong { margin-top: 2px; font-size: .91rem; }
.hero-compare-card__rows { margin-top: 19px; padding-top: 13px; border-top: 1px solid var(--line); }
.hero-compare-card__rows div { display: flex; justify-content: space-between; gap: 16px; padding: 9px 0; border-bottom: 1px solid var(--line); font-size: .7rem; }
.hero-compare-card__rows span { color: var(--muted); }
.hero-compare-card__rows b { font-weight: 750; }
.hero-compare-card__footer { display: flex; align-items: center; gap: 8px; margin-top: 16px; color: var(--ink-3); font-size: .67rem; }
.hero-compare-card__footer i { display: grid; width: 19px; height: 19px; place-items: center; border-radius: 50%; color: var(--white); background: var(--ink); font-size: .58rem; font-style: normal; }
.hero-market-card { position: absolute; z-index: 3; top: 42px; right: 42px; width: 250px; padding: 22px; border: 1px solid rgba(255,255,255,.66); border-radius: 23px; background: rgba(32,31,47,.92); box-shadow: 0 26px 70px rgba(32,31,47,.22); color: var(--white); backdrop-filter: blur(18px); -webkit-backdrop-filter: blur(18px); }
.hero-market-card > * { display: block; }
.hero-market-card__label { display: flex; align-items: center; gap: 8px; margin-bottom: 22px; color: rgba(255,255,255,.66); font-size: .65rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.hero-market-card .live-dot { background: var(--white); box-shadow: 0 0 0 4px rgba(255,255,255,.12); }
.hero-market-card small { color: rgba(255,255,255,.62); font-size: .68rem; }
.hero-market-card strong { margin-top: 3px; font-size: 2.2rem; line-height: 1.02; letter-spacing: -.06em; }
.hero-market-card > span:not(.hero-market-card__label) { margin-top: 4px; color: rgba(255,255,255,.58); font-size: .66rem; }
.hero-market-card a { margin-top: 18px; padding-top: 14px; border-top: 1px solid rgba(255,255,255,.15); font-size: .69rem; font-weight: 750; }
.hero-market-card a b { float: right; }
.hero-advisor-card { position: absolute; z-index: 3; left: 42px; bottom: 42px; display: flex; align-items: center; gap: 13px; max-width: 330px; padding: 14px 17px; border: 1px solid rgba(255,255,255,.52); border-radius: 20px; color: var(--white); background: rgba(32,31,47,.78); box-shadow: 0 20px 55px rgba(32,31,47,.23); backdrop-filter: blur(15px); }
.hero-advisor-card__avatar { display: grid; width: 43px; height: 43px; flex: 0 0 auto; place-items: center; border-radius: 14px; color: var(--ink); background: var(--white); font-size: .68rem; font-weight: 850; }
.hero-advisor-card small, .hero-advisor-card strong { display: block; }
.hero-advisor-card small { color: rgba(255,255,255,.63); font-size: .63rem; }
.hero-advisor-card strong { margin-top: 2px; font-size: .8rem; line-height: 1.24; }
.hero-goal-dock { position: absolute; z-index: 5; right: 40px; bottom: -43px; left: 40px; display: grid; grid-template-columns: repeat(3,1fr); overflow: hidden; border: 1px solid var(--line); border-radius: 23px; background: var(--white); box-shadow: 0 22px 60px rgba(32,31,47,.16); }
.hero-goal-dock a { display: grid; grid-template-columns: 45px 1fr 24px; gap: 12px; align-items: center; min-height: 92px; padding: 17px 22px; border-right: 1px solid var(--line); transition: background-color .2s ease; }
.hero-goal-dock a:last-child { border-right: 0; }
.hero-goal-dock a:hover { background: var(--soft); }
.goal-dock-icon { display: grid; width: 44px; height: 44px; place-items: center; border-radius: 14px; color: var(--white); background: var(--ink); }
.goal-dock-icon svg { width: 23px; }
.hero-goal-dock small, .hero-goal-dock strong { display: block; }
.hero-goal-dock small { color: var(--muted); font-size: .63rem; }
.hero-goal-dock strong { margin-top: 2px; font-size: .83rem; }
.hero-goal-dock b { font-size: 1.1rem; }

.hmco-proof-strip { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--white); }
.hmco-proof-strip__grid { display: grid; grid-template-columns: repeat(4,1fr); }
.hmco-proof-strip__grid > div { min-height: 126px; display: flex; flex-direction: column; justify-content: center; padding: 25px clamp(20px,3vw,38px); border-right: 1px solid var(--line); }
.hmco-proof-strip__grid > div:first-child { border-left: 1px solid var(--line); }
.hmco-proof-strip__grid strong { font-size: .93rem; }
.hmco-proof-strip__grid span { margin-top: 7px; color: var(--muted); font-size: .69rem; line-height: 1.45; }

/* Goal section */
.goal-v3 { background: var(--white); }
.goal-v3__grid { display: grid; grid-template-columns: 1.08fr .92fr; grid-template-rows: repeat(2,310px); gap: 20px; }
.goal-v3-card { position: relative; overflow: hidden; border-radius: 28px; color: var(--white); box-shadow: var(--shadow-card); }
.goal-v3-card--large { grid-row: 1 / span 2; }
.goal-v3-card picture, .goal-v3-card img { width: 100%; height: 100%; }
.goal-v3-card picture { position: absolute; inset: 0; }
.goal-v3-card img { object-fit: cover; transition: transform .7s cubic-bezier(.2,.7,.2,1); }
.goal-v3-card:hover img { transform: scale(1.045); }
.goal-v3-card--large img { object-position: center; }
.goal-v3-card--horizontal img { object-position: center 48%; }
.goal-v3-card__shade { position: absolute; inset: 0; background: linear-gradient(180deg,rgba(32,31,47,.04) 15%,rgba(32,31,47,.82) 100%); }
.goal-v3-card__copy { position: absolute; z-index: 2; right: 74px; bottom: 30px; left: 30px; }
.goal-v3-card__copy small, .goal-v3-card__copy strong, .goal-v3-card__copy span { display: block; }
.goal-v3-card__copy small { color: rgba(255,255,255,.69); font-size: .67rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.goal-v3-card__copy strong { max-width: 580px; margin-top: 6px; color: var(--white); font-family: var(--font-display); font-size: clamp(1.75rem,2.6vw,3rem); line-height: 1.02; letter-spacing: -.05em; }
.goal-v3-card--horizontal .goal-v3-card__copy strong { font-size: clamp(1.5rem,2.1vw,2.25rem); }
.goal-v3-card__copy span { max-width: 590px; margin-top: 10px; color: rgba(255,255,255,.7); font-size: .76rem; line-height: 1.48; }
.goal-v3-card__arrow { position: absolute; z-index: 2; right: 25px; bottom: 26px; display: grid; width: 44px; height: 44px; place-items: center; border-radius: 50%; color: var(--ink); background: var(--white); font-size: 1rem; }

/* Broker comparison */
.broker-v3 { padding-top: 28px; background: var(--white); }
.broker-v3__panel { display: grid; grid-template-columns: .86fr 1.14fr; gap: 22px; padding: clamp(34px,4vw,56px); border-radius: 34px; color: var(--white); background: var(--ink); }
.broker-v3__intro { align-self: center; padding: clamp(8px,2vw,26px); }
.broker-v3__intro h2 { max-width: 580px; color: var(--white); }
.broker-v3__intro p { max-width: 560px; margin-top: 24px; color: rgba(255,255,255,.69); font-size: 1rem; }
.broker-v3__intro .button { margin-top: 30px; }
.broker-v3__visual { position: relative; min-height: 500px; overflow: hidden; border-radius: 26px; }
.broker-v3__visual picture, .broker-v3__visual img { width: 100%; height: 100%; }
.broker-v3__visual img { object-fit: cover; }
.broker-v3__visual::after { position: absolute; inset: 0; background: linear-gradient(180deg,transparent 42%,rgba(32,31,47,.72)); content: ""; }
.broker-v3__visual-label { position: absolute; z-index: 2; right: 26px; bottom: 24px; left: 26px; }
.broker-v3__visual-label small, .broker-v3__visual-label strong { display: block; color: var(--white); }
.broker-v3__visual-label small { color: rgba(255,255,255,.65); font-size: .66rem; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.broker-v3__visual-label strong { max-width: 430px; margin-top: 6px; font-family: var(--font-display); font-size: 1.75rem; line-height: 1.06; letter-spacing: -.045em; }
.broker-v3__comparison { grid-column: 1 / -1; overflow: hidden; border: 1px solid rgba(255,255,255,.14); border-radius: 24px; background: rgba(255,255,255,.04); }
.broker-v3__comparison-head, .broker-v3__comparison > div { display: grid; grid-template-columns: .72fr 1fr 1fr; }
.broker-v3__comparison-head { color: rgba(255,255,255,.64); background: rgba(255,255,255,.06); font-size: .66rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.broker-v3__comparison-head > *, .broker-v3__comparison > div > * { padding: 18px 20px; border-right: 1px solid rgba(255,255,255,.1); }
.broker-v3__comparison-head > *:last-child, .broker-v3__comparison > div > *:last-child { border-right: 0; }
.broker-v3__comparison > div:not(.broker-v3__comparison-head) { border-top: 1px solid rgba(255,255,255,.1); }
.broker-v3__comparison > div > span { color: rgba(255,255,255,.63); font-size: .72rem; }
.broker-v3__comparison p { color: rgba(255,255,255,.84); font-size: .73rem; }
.broker-v3__comparison p i { display: inline-grid; width: 18px; height: 18px; margin-right: 7px; place-items: center; border-radius: 50%; color: var(--ink); background: var(--white); font-size: .55rem; font-style: normal; }
.broker-v3__comparison > small { display: block; padding: 16px 20px; border-top: 1px solid rgba(255,255,255,.1); color: rgba(255,255,255,.48); font-size: .62rem; line-height: 1.5; }

/* Product comparison studio */
.comparison-studio { background: var(--soft); }
.comparison-tabs { display: flex; justify-content: center; flex-wrap: wrap; gap: 9px; margin-bottom: 24px; }
.comparison-tabs button { min-height: 46px; padding: 0 19px; border: 1px solid var(--line); border-radius: 999px; color: var(--ink-3); background: var(--white); font-size: .73rem; font-weight: 750; cursor: pointer; transition: color .2s ease, background-color .2s ease, border-color .2s ease; }
.comparison-tabs button:hover { border-color: var(--ink); color: var(--ink); }
.comparison-tabs button.is-active { border-color: var(--ink); color: var(--white); background: var(--ink); }
.comparison-panels { position: relative; }
.comparison-panel { display: grid; grid-template-columns: .74fr 1fr 1fr; gap: 16px; padding: 18px; border: 1px solid var(--line); border-radius: 28px; background: var(--white); box-shadow: var(--shadow-card); }
.comparison-panel[hidden] { display: none; }
.comparison-panel__intro { display: flex; flex-direction: column; justify-content: center; padding: clamp(25px,3vw,42px); border-radius: 20px; color: var(--white); background: var(--ink); }
.comparison-panel__intro small { color: rgba(255,255,255,.58); font-size: .66rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; }
.comparison-panel__intro h3 { margin-top: 10px; color: var(--white); font-size: clamp(2rem,3vw,3.15rem); line-height: .98; }
.comparison-panel__intro p { margin-top: 18px; color: rgba(255,255,255,.66); font-size: .82rem; }
.comparison-product { padding: clamp(24px,2.6vw,36px); border: 1px solid var(--line); border-radius: 20px; background: var(--white); }
.comparison-product__type { display: inline-flex; padding: 7px 10px; border-radius: 999px; color: var(--white); background: var(--ink); font-size: .62rem; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; }
.comparison-product h4 { margin-top: 17px; font-family: var(--font-display); font-size: 1.65rem; line-height: 1.06; letter-spacing: -.045em; }
.comparison-product dl { margin: 24px 0 0; }
.comparison-product dl div { padding: 14px 0; border-top: 1px solid var(--line); }
.comparison-product dt { color: var(--muted); font-size: .62rem; font-weight: 750; letter-spacing: .04em; text-transform: uppercase; }
.comparison-product dd { margin: 5px 0 0; color: var(--ink-2); font-size: .72rem; line-height: 1.45; }
.comparison-product > a { display: flex; justify-content: space-between; gap: 16px; margin-top: 22px; padding-top: 17px; border-top: 1px solid var(--line); font-size: .72rem; font-weight: 800; }
.comparison-studio__action { display: flex; justify-content: center; margin-top: 30px; }

/* Journey */
.journey-v3 { overflow: hidden; color: var(--white); background: var(--ink); }
.journey-v3__grid { display: grid; grid-template-columns: minmax(0,.82fr) minmax(520px,1.18fr); gap: clamp(55px,8vw,110px); align-items: center; }
.journey-v3__copy h2 { max-width: 630px; color: var(--white); }
.journey-v3__copy > p { max-width: 580px; margin-top: 25px; color: rgba(255,255,255,.68); font-size: 1.02rem; }
.journey-v3__copy ol { margin: 34px 0 36px; padding: 0; list-style: none; }
.journey-v3__copy li { display: grid; grid-template-columns: 42px 1fr; gap: 14px; align-items: start; padding: 17px 0; border-top: 1px solid rgba(255,255,255,.12); }
.journey-v3__copy li:last-child { border-bottom: 1px solid rgba(255,255,255,.12); }
.journey-v3__copy li > span { display: grid; width: 36px; height: 36px; place-items: center; border: 1px solid rgba(255,255,255,.35); border-radius: 50%; color: var(--white); font-size: .63rem; font-weight: 800; }
.journey-v3__copy li strong, .journey-v3__copy li small { display: block; }
.journey-v3__copy li strong { color: var(--white); font-size: .84rem; }
.journey-v3__copy li small { margin-top: 4px; color: rgba(255,255,255,.54); font-size: .68rem; }
.journey-v3__interface { position: relative; min-height: 650px; }
.journey-v3__interface::before { position: absolute; inset: 8% -15% -10% 6%; border-radius: 50%; background: rgba(255,255,255,.06); filter: blur(2px); content: ""; }
.journey-v3__window { position: absolute; z-index: 2; top: 20px; right: 0; width: 82%; min-height: 580px; padding: 25px; border: 9px solid rgba(255,255,255,.13); border-radius: 33px; color: var(--ink); background: var(--white); box-shadow: 0 35px 90px rgba(0,0,0,.25); transform: rotate(1.5deg); }
.journey-v3__window-top { display: flex; align-items: center; justify-content: space-between; padding-bottom: 17px; border-bottom: 1px solid var(--line); }
.journey-v3__brand { font-family: var(--font-display); font-size: 1.5rem; font-weight: 900; letter-spacing: -.08em; }
.journey-v3__profile { display: grid; width: 34px; height: 34px; place-items: center; border-radius: 12px; color: var(--white); background: var(--ink); font-size: .58rem; font-weight: 800; }
.journey-v3__welcome { padding: 25px 0 18px; }
.journey-v3__welcome small, .journey-v3__welcome strong, .journey-v3__welcome span { display: block; }
.journey-v3__welcome small { color: var(--muted); font-size: .65rem; }
.journey-v3__welcome strong { margin-top: 4px; font-size: 1.75rem; line-height: 1; letter-spacing: -.05em; }
.journey-v3__welcome span { margin-top: 7px; color: var(--muted); font-size: .65rem; }
.journey-v3__progress { padding: 17px; border-radius: 17px; background: var(--soft); }
.journey-v3__progress > div { display: flex; justify-content: space-between; font-size: .67rem; }
.journey-v3__progress i { display: block; height: 7px; margin-top: 11px; overflow: hidden; border-radius: 999px; background: #dedde3; }
.journey-v3__progress i b { display: block; width: 62%; height: 100%; border-radius: inherit; background: var(--ink); }
.journey-v3__tasks { margin-top: 16px; }
.journey-v3__tasks > div { display: grid; grid-template-columns: 34px 1fr auto; gap: 12px; align-items: center; padding: 15px 0; border-top: 1px solid var(--line); }
.journey-v3__tasks > div > span { display: grid; width: 31px; height: 31px; place-items: center; border: 1px solid var(--line-strong); border-radius: 10px; color: var(--muted); font-size: .62rem; font-weight: 800; }
.journey-v3__tasks .is-complete > span, .journey-v3__tasks .is-current > span { border-color: var(--ink); color: var(--white); background: var(--ink); }
.journey-v3__tasks p strong, .journey-v3__tasks p small { display: block; }
.journey-v3__tasks p strong { font-size: .75rem; }
.journey-v3__tasks p small { margin-top: 3px; color: var(--muted); font-size: .6rem; }
.journey-v3__tasks > div > b { padding: 7px 9px; border-radius: 999px; color: var(--white); background: var(--ink); font-size: .56rem; }
.journey-v3__advisor { display: grid; grid-template-columns: 40px 1fr 24px; gap: 11px; align-items: center; margin-top: 16px; padding: 14px; border-radius: 17px; color: var(--white); background: var(--ink); }
.journey-v3__advisor > span { display: grid; width: 38px; height: 38px; place-items: center; border-radius: 12px; color: var(--ink); background: var(--white); font-size: .6rem; font-weight: 850; }
.journey-v3__advisor p small, .journey-v3__advisor p strong { display: block; }
.journey-v3__advisor p small { color: rgba(255,255,255,.58); font-size: .58rem; }
.journey-v3__advisor p strong { margin-top: 2px; color: var(--white); font-size: .68rem; }
.journey-v3__floating { position: absolute; z-index: 4; left: 0; bottom: 55px; width: 240px; padding: 18px; border: 1px solid var(--line); border-radius: 20px; color: var(--ink); background: var(--white); box-shadow: 0 25px 65px rgba(0,0,0,.22); }
.journey-v3__floating small, .journey-v3__floating strong, .journey-v3__floating span { display: block; }
.journey-v3__floating small { color: var(--muted); font-size: .61rem; }
.journey-v3__floating strong { margin-top: 5px; font-size: .82rem; line-height: 1.25; }
.journey-v3__floating span { margin-top: 8px; color: var(--muted); font-size: .62rem; }

/* Calculator */
.calculator-v3 { background: var(--white); }
.calculator-v3__grid { display: grid; grid-template-columns: minmax(0,1fr) minmax(460px,.85fr); gap: clamp(50px,7vw,100px); align-items: center; }
.calculator-v3__copy h2 { max-width: 720px; }
.calculator-v3__copy > p { max-width: 660px; margin-top: 24px; font-size: 1.02rem; }
.calculator-v3__image { position: relative; height: 360px; margin-top: 34px; overflow: hidden; border-radius: 27px; }
.calculator-v3__image picture, .calculator-v3__image img { width: 100%; height: 100%; }
.calculator-v3__image img { object-fit: cover; }
.calculator-v3__image::after { position: absolute; inset: 0; background: linear-gradient(90deg,rgba(32,31,47,.58),transparent 70%); content: ""; }
.calculator-v3__image > div { position: absolute; z-index: 2; top: 24px; left: 24px; width: 220px; padding: 18px; border-radius: 18px; background: rgba(255,255,255,.94); box-shadow: var(--shadow-card); }
.calculator-v3__image small, .calculator-v3__image strong, .calculator-v3__image span { display: block; }
.calculator-v3__image small { color: var(--muted); font-size: .62rem; }
.calculator-v3__image strong { margin-top: 3px; font-size: 2rem; letter-spacing: -.06em; }
.calculator-v3__image span { color: var(--muted); font-size: .62rem; }
.calculator-v3__form { margin: 0; padding: clamp(27px,3vw,40px); border: 1px solid var(--line); border-radius: 27px; background: var(--soft); box-shadow: none; }
.calculator-v3__form-head { display: flex; justify-content: space-between; align-items: center; margin-bottom: 25px; }
.calculator-v3__form-head span { font-family: var(--font-display); font-size: 1.35rem; font-weight: 750; letter-spacing: -.04em; }
.calculator-v3__form-head small { color: var(--muted); font-size: .63rem; }
.calculator-v3__form .input-wrap { border-color: var(--line); background: var(--white); }
.calculator-v3__result { margin: 24px 0 18px; padding: 22px; border-radius: 18px; color: var(--white); background: var(--ink); }
.calculator-v3__result span, .calculator-v3__result strong, .calculator-v3__result small { display: block; }
.calculator-v3__result span { color: rgba(255,255,255,.62); font-size: .65rem; }
.calculator-v3__result strong { margin-top: 5px; color: var(--white); font-size: 2.55rem; line-height: 1; letter-spacing: -.065em; }
.calculator-v3__result small { margin-top: 10px; color: rgba(255,255,255,.5); font-size: .57rem; line-height: 1.4; }

/* Licensing map */
.license-v3 { background: var(--soft); }
.license-v3__board { display: grid; grid-template-columns: 340px minmax(0,1fr); gap: 22px; padding: 22px; border: 1px solid var(--line); border-radius: 30px; background: var(--white); box-shadow: var(--shadow-card); }
.license-v3__summary { display: flex; flex-direction: column; padding: 8px; }
.license-v3__counts { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.license-v3__counts > div { padding: 19px; border-radius: 18px; background: var(--soft); }
.license-v3__counts strong, .license-v3__counts span { display: block; }
.license-v3__counts strong { font-family: var(--font-display); font-size: 2.6rem; line-height: 1; letter-spacing: -.06em; }
.license-v3__counts span { margin-top: 8px; color: var(--muted); font-size: .64rem; }
.license-v3__legend { display: flex; flex-direction: column; gap: 9px; margin: 22px 0; padding: 18px 0; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); color: var(--muted); font-size: .63rem; }
.license-v3__legend span { display: flex; align-items: center; gap: 9px; }
.license-v3__legend i { width: 13px; height: 13px; border: 2px solid transparent; border-radius: 4px; }
.license-v3__legend .is-licensed { background: var(--status-licensed); }
.license-v3__legend .is-pending { border-color: var(--status-pending); background: #f2f1f4; }
.license-v3__legend .is-unavailable { background: var(--status-unavailable); }
.license-v3__detail { padding: 23px; border: 0; border-radius: 20px; color: var(--white); background: var(--ink); }
.license-v3__detail h3 { margin-top: 10px; color: var(--white); font-size: 2rem; }
.license-v3__detail p { margin-top: 9px; color: rgba(255,255,255,.66); font-size: .72rem; }
.license-v3__detail small { display: block; margin-top: 13px; color: rgba(255,255,255,.48); font-size: .58rem; line-height: 1.4; }
.license-v3__detail .text-link { margin-top: 17px; color: var(--white); font-size: .68rem; }
.status-pill { display: inline-flex; align-items: center; width: fit-content; min-height: 24px; padding: 0 9px; border-radius: 999px; font-size: .56rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.status-pill--licensed { color: var(--ink); background: var(--white); }
.status-pill--pending { color: var(--ink); background: #e9e7ed; }
.license-v3__state-buttons { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 12px; }
.license-v3__state-buttons button { display: grid; grid-template-columns: 38px 1fr; column-gap: 9px; align-items: center; padding: 12px; border: 1px solid var(--line); border-radius: 15px; text-align: left; background: var(--white); cursor: pointer; }
.license-v3__state-buttons button > span { grid-row: 1 / span 2; display: grid; width: 36px; height: 36px; place-items: center; border-radius: 11px; color: var(--white); background: var(--ink); font-size: .62rem; font-weight: 850; }
.license-v3__state-buttons strong, .license-v3__state-buttons small { display: block; }
.license-v3__state-buttons strong { font-size: .69rem; }
.license-v3__state-buttons small { color: var(--muted); font-size: .57rem; }
.license-v3__state-buttons button.is-selected { border-color: var(--ink); box-shadow: inset 0 0 0 1px var(--ink); }
.license-v3__map-wrap { position: relative; min-height: 690px; display: flex; flex-direction: column; justify-content: center; padding: 26px; overflow: hidden; border-radius: 23px; background: var(--soft); }
.license-v3__map-wrap > p { margin-top: 7px; color: var(--muted); font-size: .58rem; text-align: center; }
.state-map { width: 100%; height: auto; max-height: 620px; overflow: visible; }
.state-map__state { stroke: var(--white); stroke-width: 2.4; vector-effect: non-scaling-stroke; transition: fill .2s ease, stroke .2s ease, opacity .2s ease; }
.state-map__state--unavailable { fill: var(--status-unavailable); }
.state-map__state--licensed { fill: var(--status-licensed); cursor: pointer; }
.state-map__state--pending { fill: #f3f2f5; stroke: var(--status-pending); stroke-width: 3; stroke-dasharray: 5 4; cursor: pointer; }
.state-map__state--licensed:hover, .state-map__state--licensed.is-selected { fill: #0e0d16; }
.state-map__state--pending:hover, .state-map__state--pending.is-selected { fill: #dfdde5; }
.state-map__marker { cursor: pointer; }
.state-map__marker circle { stroke: var(--white); stroke-width: 5; filter: drop-shadow(0 8px 12px rgba(32,31,47,.18)); }
.state-map__marker--licensed circle { fill: var(--ink); }
.state-map__marker--pending circle { fill: var(--white); stroke: var(--status-pending); }
.state-map__marker text { dominant-baseline: middle; text-anchor: middle; font-family: var(--font-display); font-size: 10px; font-weight: 850; pointer-events: none; }
.state-map__marker--licensed text { fill: var(--white); }
.state-map__marker--pending text { fill: var(--ink); }
.state-map__marker.is-selected circle { stroke-width: 8; }
.state-map__inset-labels text { fill: var(--muted); font-family: var(--font-body); font-size: 9px; font-weight: 800; letter-spacing: 1px; text-anchor: middle; }

/* MLO */
.mlo-v3 { background: var(--white); }
.mlo-v3__grid { display: grid; grid-template-columns: minmax(0,.85fr) minmax(550px,1.15fr); gap: clamp(55px,8vw,105px); align-items: center; }
.mlo-v3__copy h2 { max-width: 660px; }
.mlo-v3__copy > p { max-width: 620px; margin-top: 24px; font-size: 1.02rem; }
.mlo-v3__features { margin: 31px 0 34px; }
.mlo-v3__features > div { display: grid; grid-template-columns: 42px 1fr; gap: 13px; align-items: start; padding: 17px 0; border-top: 1px solid var(--line); }
.mlo-v3__features > div:last-child { border-bottom: 1px solid var(--line); }
.mlo-v3__features > div > span { display: grid; width: 36px; height: 36px; place-items: center; border-radius: 11px; color: var(--white); background: var(--ink); font-size: .61rem; font-weight: 800; }
.mlo-v3__features p strong, .mlo-v3__features p small { display: block; }
.mlo-v3__features p strong { font-size: .82rem; }
.mlo-v3__features p small { margin-top: 4px; color: var(--muted); font-size: .67rem; }
.mlo-v3__preview { position: relative; min-height: 690px; overflow: hidden; border-radius: 30px; background: var(--soft); }
.mlo-v3__preview-photo { position: absolute; inset: 0; }
.mlo-v3__preview-photo img { width: 100%; height: 100%; object-fit: cover; }
.mlo-v3__preview::after { position: absolute; inset: 0; background: linear-gradient(180deg,rgba(32,31,47,.04),rgba(32,31,47,.42)); content: ""; }
.mlo-v3__browser { position: absolute; z-index: 2; right: 28px; bottom: 28px; left: 28px; padding: 23px; border: 1px solid rgba(255,255,255,.76); border-radius: 23px; background: rgba(255,255,255,.95); box-shadow: 0 25px 70px rgba(32,31,47,.2); backdrop-filter: blur(18px); }
.mlo-v3__browser-top { display: flex; justify-content: space-between; align-items: center; padding-bottom: 14px; border-bottom: 1px solid var(--line); color: var(--muted); font-size: .58rem; }
.mlo-v3__browser-top i { width: 7px; height: 7px; border-radius: 50%; background: var(--ink); }
.mlo-v3__profile-card { display: grid; grid-template-columns: 72px 1fr; gap: 14px; align-items: center; margin-top: 17px; }
.mlo-v3__profile-card img { width: 72px; height: 72px; object-fit: cover; border: 1px solid var(--line); border-radius: 18px; background: var(--soft); }
.mlo-v3__profile-card small, .mlo-v3__profile-card strong, .mlo-v3__profile-card b { display: block; }
.mlo-v3__profile-card small { color: var(--muted); font-size: .59rem; }
.mlo-v3__profile-card strong { margin-top: 2px; font-size: 1.22rem; line-height: 1; letter-spacing: -.04em; }
.mlo-v3__profile-card b { margin-top: 5px; color: var(--muted); font-size: .61rem; font-weight: 600; }
.mlo-v3__browser > p { margin-top: 17px; font-size: .69rem; line-height: 1.48; }
.mlo-v3__browser-actions { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 18px; }
.mlo-v3__browser-actions a { min-height: 43px; display: grid; place-items: center; padding: 10px; border-radius: 999px; font-size: .65rem; font-weight: 800; text-align: center; }
.mlo-v3__browser-actions a:first-child { color: var(--white); background: var(--ink); }
.mlo-v3__browser-actions a:last-child { border: 1px solid var(--line-strong); }
.mlo-v3__credential-row { display: flex; justify-content: space-between; gap: 15px; margin-top: 16px; padding-top: 14px; border-top: 1px solid var(--line); font-size: .59rem; }
.mlo-v3__credential-row span { color: var(--muted); }

/* Reviews */
.reviews-v3 { background: var(--soft); }
.reviews-v3__grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.reviews-v3 blockquote { margin: 0; padding: clamp(27px,3vw,40px); border: 1px solid var(--line); border-radius: 23px; background: var(--white); }
.reviews-v3 blockquote > div { letter-spacing: .16em; }
.reviews-v3 blockquote > p { margin-top: 23px; color: var(--ink-2); font-family: var(--font-display); font-size: clamp(1.15rem,1.7vw,1.45rem); line-height: 1.35; letter-spacing: -.025em; }
.reviews-v3 blockquote footer { display: flex; justify-content: space-between; gap: 14px; margin-top: 28px; padding-top: 18px; border-top: 1px solid var(--line); font-size: .68rem; }
.reviews-v3 blockquote footer span { color: var(--muted); }

/* Learning */
.learning-v3 { background: var(--white); }
.learning-v3__grid { display: grid; grid-template-columns: 1.1fr .9fr; grid-template-rows: repeat(2,300px); gap: 18px; }
.learning-v3-card { position: relative; overflow: hidden; border-radius: 25px; color: var(--white); }
.learning-v3-card--large { grid-row: 1 / span 2; }
.learning-v3-card picture, .learning-v3-card img { width: 100%; height: 100%; }
.learning-v3-card picture { position: absolute; inset: 0; }
.learning-v3-card img { object-fit: cover; transition: transform .7s cubic-bezier(.2,.7,.2,1); }
.learning-v3-card:hover img { transform: scale(1.045); }
.learning-v3-card__shade { position: absolute; inset: 0; background: linear-gradient(180deg,rgba(32,31,47,.02),rgba(32,31,47,.86)); }
.learning-v3-card__copy { position: absolute; right: 70px; bottom: 26px; left: 27px; }
.learning-v3-card__copy small, .learning-v3-card__copy strong, .learning-v3-card__copy span { display: block; }
.learning-v3-card__copy small { color: rgba(255,255,255,.65); font-size: .63rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.learning-v3-card__copy strong { margin-top: 7px; color: var(--white); font-size: 1.55rem; line-height: 1.08; letter-spacing: -.045em; }
.learning-v3-card--large .learning-v3-card__copy strong { max-width: 650px; font-size: clamp(2.2rem,3.4vw,3.7rem); }
.learning-v3-card__copy span { max-width: 560px; margin-top: 9px; color: rgba(255,255,255,.67); font-size: .72rem; line-height: 1.45; }
.learning-v3-card > b { position: absolute; right: 23px; bottom: 23px; display: grid; width: 43px; height: 43px; place-items: center; border-radius: 50%; color: var(--ink); background: var(--white); font-style: normal; }

/* Final CTA */
.final-v3 { padding: 0 0 clamp(85px,9vw,125px); background: var(--white); }
.final-v3__panel { position: relative; min-height: 630px; overflow: hidden; border-radius: 34px; color: var(--white); }
.final-v3 picture, .final-v3 img { width: 100%; height: 100%; }
.final-v3 picture { position: absolute; inset: 0; }
.final-v3 img { object-fit: cover; object-position: center; }
.final-v3__shade { position: absolute; inset: 0; background: linear-gradient(90deg,rgba(32,31,47,.93) 0%,rgba(32,31,47,.65) 48%,rgba(32,31,47,.12) 100%); }
.final-v3__copy { position: absolute; z-index: 2; top: 50%; left: clamp(30px,5vw,72px); width: min(680px,calc(100% - 60px)); transform: translateY(-50%); }
.final-v3__copy h2 { color: var(--white); }
.final-v3__copy p { max-width: 530px; margin-top: 22px; color: rgba(255,255,255,.69); font-size: 1rem; }
.final-v3__copy > div:last-child { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }

/* Existing internal pages adopt the same palette. */
.internal-hero { background: var(--white); }
.internal-hero::before { background: radial-gradient(circle,rgba(32,31,47,.06),transparent 70%); }
.internal-hero__media { background: var(--soft); }
.internal-hero__panel, .best-for-card, .contact-card, .tradeoff-card, .mortgage-calculator, .product-directory__card, .article-directory article, .mlo-directory__card, .license-directory article { border-color: var(--line); }
.internal-hero h1 em { color: #504d5d; }
.final-cta { background: var(--white); }
.final-cta__card { background: var(--ink); }
.site-footer { background: var(--ink); }

@media (max-width: 1120px) {
  .hmco-hero__stage { min-height: 650px; }
  .hero-goal-dock { right: 24px; left: 24px; }
  .broker-v3__panel { grid-template-columns: 1fr 1fr; }
  .comparison-panel { grid-template-columns: .75fr 1fr 1fr; }
  .journey-v3__grid { grid-template-columns: minmax(0,.9fr) minmax(460px,1.1fr); gap: 45px; }
  .mlo-v3__grid { grid-template-columns: minmax(0,.9fr) minmax(480px,1.1fr); gap: 50px; }
  .license-v3__board { grid-template-columns: 310px minmax(0,1fr); }
}

@media (max-width: 920px) {
  .v3-heading { grid-template-columns: 1fr; gap: 20px; }
  .v3-heading > p { max-width: 700px; }
  .v3-heading__link { justify-self: start; }
  .hmco-hero__stage { min-height: 620px; margin-bottom: 150px; }
  .hero-compare-card { top: 24px; left: 24px; }
  .hero-market-card { top: 24px; right: 24px; }
  .hero-advisor-card { left: 24px; bottom: 24px; }
  .hero-goal-dock { right: 0; bottom: -118px; left: 0; grid-template-columns: 1fr; }
  .hero-goal-dock a { min-height: 72px; border-right: 0; border-bottom: 1px solid var(--line); }
  .hero-goal-dock a:last-child { border-bottom: 0; }
  .hmco-proof-strip__grid { grid-template-columns: 1fr 1fr; }
  .hmco-proof-strip__grid > div:nth-child(2) { border-right: 0; }
  .hmco-proof-strip__grid > div:nth-child(n+3) { border-top: 1px solid var(--line); }
  .goal-v3__grid { grid-template-columns: 1fr; grid-template-rows: 480px 330px 330px; }
  .goal-v3-card--large { grid-row: auto; }
  .broker-v3__panel { grid-template-columns: 1fr; }
  .broker-v3__visual { min-height: 470px; }
  .broker-v3__comparison { grid-column: auto; overflow-x: auto; }
  .broker-v3__comparison-head, .broker-v3__comparison > div { min-width: 760px; }
  .comparison-panel { grid-template-columns: 1fr 1fr; }
  .comparison-panel__intro { grid-column: 1 / -1; }
  .journey-v3__grid, .calculator-v3__grid, .mlo-v3__grid { grid-template-columns: 1fr; }
  .journey-v3__interface { min-height: 630px; }
  .journey-v3__window { width: 82%; }
  .calculator-v3__copy { max-width: 800px; }
  .license-v3__board { grid-template-columns: 1fr; }
  .license-v3__summary { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
  .license-v3__counts, .license-v3__legend { grid-column: 1; }
  .license-v3__detail, .license-v3__state-buttons { grid-column: 2; }
  .license-v3__legend { margin: 0; }
  .license-v3__state-buttons { align-self: end; }
  .license-v3__map-wrap { min-height: 610px; }
  .mlo-v3__preview { min-height: 620px; }
  .reviews-v3__grid { grid-template-columns: 1fr; }
  .learning-v3__grid { grid-template-columns: 1fr 1fr; grid-template-rows: 480px 320px; }
  .learning-v3-card--large { grid-column: 1 / -1; grid-row: auto; }
}

@media (max-width: 700px) {
  .shell { width: min(calc(100% - 32px), var(--shell)); }
  .section { padding: 76px 0; }
  h1 { font-size: clamp(3.05rem,14.5vw,4.7rem); }
  h2 { font-size: clamp(2.35rem,11.5vw,3.65rem); }
  .hmco-hero { padding-top: 48px; }
  .hmco-hero__intro { margin-bottom: 38px; }
  .hmco-hero__intro > p { font-size: 1rem; }
  .hmco-hero__actions { flex-direction: column; }
  .hmco-hero__actions .button { width: 100%; }
  .hmco-hero__microproof { justify-content: flex-start; gap: 11px; text-align: left; }
  .hmco-hero__microproof span { width: 100%; }
  .hmco-hero__stage { min-height: 610px; margin-bottom: 168px; border-radius: 25px; }
  .hmco-hero__photo img { object-position: 55% center; }
  .hmco-hero__shade { background: linear-gradient(180deg,rgba(32,31,47,.12),rgba(32,31,47,.38)); }
  .hero-compare-card { top: 14px; right: 14px; left: 14px; width: auto; padding: 18px; }
  .hero-compare-card__rows { display: none; }
  .hero-compare-card__footer { margin-top: 12px; }
  .hero-market-card { top: auto; right: 14px; bottom: 92px; width: 205px; padding: 17px; }
  .hero-market-card__label { margin-bottom: 13px; }
  .hero-market-card strong { font-size: 1.65rem; }
  .hero-advisor-card { right: 14px; bottom: 18px; left: 14px; max-width: none; }
  .hero-goal-dock { bottom: -148px; border-radius: 20px; }
  .hero-goal-dock a { min-height: 66px; padding: 11px 15px; }
  .goal-dock-icon { width: 40px; height: 40px; }
  .hmco-proof-strip__grid { grid-template-columns: 1fr; }
  .hmco-proof-strip__grid > div { min-height: 96px; border-right: 0; border-bottom: 1px solid var(--line); border-left: 0 !important; }
  .hmco-proof-strip__grid > div:last-child { border-bottom: 0; }
  .goal-v3__grid { grid-template-rows: 430px 330px 330px; }
  .goal-v3-card { border-radius: 23px; }
  .goal-v3-card__copy { right: 62px; bottom: 24px; left: 23px; }
  .goal-v3-card__copy span { display: none; }
  .goal-v3-card__arrow { right: 20px; bottom: 21px; width: 39px; height: 39px; }
  .broker-v3 { padding-top: 0; }
  .broker-v3__panel { width: 100%; padding: 31px 16px; border-radius: 0; }
  .broker-v3__intro { padding: 10px 7px; }
  .broker-v3__visual { min-height: 400px; border-radius: 21px; }
  .broker-v3__comparison-head, .broker-v3__comparison > div { min-width: 690px; }
  .comparison-studio { overflow: hidden; }
  .comparison-tabs { justify-content: flex-start; flex-wrap: nowrap; overflow-x: auto; padding-bottom: 7px; scrollbar-width: none; }
  .comparison-tabs::-webkit-scrollbar { display: none; }
  .comparison-tabs button { flex: 0 0 auto; }
  .comparison-panel { grid-template-columns: 1fr; padding: 10px; border-radius: 23px; }
  .comparison-panel__intro { grid-column: auto; padding: 28px 23px; }
  .comparison-product { padding: 24px 21px; }
  .journey-v3__interface { min-height: 550px; }
  .journey-v3__window { top: 10px; width: 94%; min-height: 510px; padding: 18px; border-width: 6px; border-radius: 25px; }
  .journey-v3__floating { bottom: 12px; width: 205px; }
  .journey-v3__advisor p strong { font-size: .62rem; }
  .calculator-v3__image { height: 310px; }
  .calculator-v3__form { padding: 23px 17px; }
  .calculator-v3__form-head { align-items: flex-start; flex-direction: column; gap: 3px; }
  .license-v3__board { padding: 10px; border-radius: 23px; }
  .license-v3__summary { display: block; }
  .license-v3__counts { margin-bottom: 14px; }
  .license-v3__legend { margin: 0 0 14px; }
  .license-v3__detail { margin-bottom: 10px; }
  .license-v3__state-buttons { margin-bottom: 12px; }
  .license-v3__map-wrap { min-height: 390px; padding: 10px 4px; }
  .state-map__state { stroke-width: 1.5; }
  .state-map__marker circle { r: 17px; }
  .mlo-v3__preview { min-height: 555px; border-radius: 24px; }
  .mlo-v3__browser { right: 14px; bottom: 14px; left: 14px; padding: 18px; }
  .mlo-v3__browser-actions { grid-template-columns: 1fr; }
  .reviews-v3 blockquote { border-radius: 20px; }
  .learning-v3__grid { grid-template-columns: 1fr; grid-template-rows: 430px 300px 300px; }
  .learning-v3-card--large { grid-column: auto; }
  .learning-v3-card { border-radius: 22px; }
  .learning-v3-card__copy span { display: none; }
  .final-v3 { padding-bottom: 80px; }
  .final-v3__panel { width: 100%; min-height: 560px; border-radius: 0; }
  .final-v3__shade { background: linear-gradient(180deg,rgba(32,31,47,.25),rgba(32,31,47,.9)); }
  .final-v3__copy { top: auto; bottom: 40px; left: 24px; width: calc(100% - 48px); transform: none; }
  .final-v3__copy > div:last-child { flex-direction: column; }
  .final-v3__copy .button { width: 100%; }
}

@media (max-width: 420px) {
  .hmco-hero__stage { min-height: 575px; }
  .hero-market-card { width: 184px; }
  .license-v3__counts { grid-template-columns: 1fr 1fr; }
  .license-v3__counts > div { padding: 15px; }
  .license-v3__state-buttons { grid-template-columns: 1fr; }
  .mlo-v3__profile-card { grid-template-columns: 58px 1fr; }
  .mlo-v3__profile-card img { width: 58px; height: 58px; }
}

/* ======================================================================
   V3 supporting pages: licensing, product comparison and MLO one-page sites
   ====================================================================== */

/* Licensing details */
.licensing-details-v3 { background: var(--white); }
.licensing-details-v3__grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 18px; }
.licensing-details-v3__grid article { min-height: 340px; display: flex; flex-direction: column; padding: 34px; border: 1px solid var(--line); border-radius: 28px; background: var(--white); box-shadow: var(--shadow-card); }
.licensing-details-v3__grid article:nth-child(2) { background: var(--soft); }
.licensing-details-v3__top { display: flex; align-items: center; justify-content: space-between; gap: 18px; }
.licensing-details-v3__top > span:first-child { color: var(--accent); font-family: var(--font-display); font-size: 1.1rem; font-weight: 850; }
.licensing-details-v3__grid h3 { margin-top: 36px; font-size: 2.65rem; }
.licensing-details-v3__grid article > strong { margin-top: 12px; color: var(--ink-2); font-size: .72rem; }
.licensing-details-v3__grid article > p { margin: 18px 0 26px; font-size: .82rem; }
.licensing-details-v3__grid article .text-link { margin-top: auto; }
.licensing-disclosure-v3 { background: var(--soft); }
.licensing-disclosure-v3__grid { display: grid; grid-template-columns: .86fr 1.14fr; gap: clamp(50px,8vw,115px); align-items: center; }
.licensing-disclosure-v3__grid > div:first-child h2 { max-width: 650px; }
.licensing-disclosure-v3__grid > div:first-child p { max-width: 600px; margin: 25px 0 31px; font-size: 1rem; }
.licensing-disclosure-v3__cards { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.licensing-disclosure-v3__cards article { min-height: 185px; display: flex; flex-direction: column; justify-content: flex-end; padding: 24px; border: 1px solid var(--line); border-radius: 23px; background: var(--white); }
.licensing-disclosure-v3__cards article:first-child { grid-row: span 2; min-height: 384px; color: var(--white); background: var(--ink); }
.licensing-disclosure-v3__cards article:first-child::before { display: grid; width: 58px; height: 58px; place-items: center; margin-bottom: auto; border-radius: 18px; color: var(--ink); background: var(--lime); content: "HM"; font-size: .72rem; font-weight: 900; }
.licensing-disclosure-v3__cards small { color: var(--accent-dark); font-size: .61rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.licensing-disclosure-v3__cards article:first-child small { color: var(--lime); }
.licensing-disclosure-v3__cards strong { margin-top: 9px; font-family: var(--font-display); font-size: 1.45rem; line-height: 1.08; letter-spacing: -.04em; }
.licensing-disclosure-v3__cards span { margin-top: 7px; color: var(--muted); font-size: .64rem; }
.licensing-disclosure-v3__cards article:first-child span { color: rgba(255,255,255,.58); }
.legal-notice-v3 { padding-top: 0; background: var(--soft); }
.legal-notice-v3__card { display: grid; grid-template-columns: 52px 1fr; gap: 20px; padding: 30px; border: 1px solid var(--line); border-radius: 24px; background: var(--white); }
.legal-notice-v3__card > span { display: grid; width: 48px; height: 48px; place-items: center; border-radius: 16px; color: var(--white); background: var(--accent); font-family: var(--font-display); font-size: 1.1rem; font-weight: 850; }
.legal-notice-v3__card h2 { margin-bottom: 12px; font-size: 1.65rem; }
.legal-notice-v3__card p { max-width: 1050px; font-size: .72rem; line-height: 1.7; }

/* Loan option cards */
.loan-options-v3 { background: var(--white); }
.loan-options-v3__grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.loan-options-v3-card { position: relative; min-height: 565px; display: flex; flex-direction: column; padding: 27px; overflow: hidden; border: 1px solid var(--line); border-radius: 27px; background: var(--white); box-shadow: var(--shadow-card); transition: transform .25s ease, box-shadow .25s ease; }
.loan-options-v3-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-soft); }
.loan-options-v3-card--purple { background: var(--accent-soft); }
.loan-options-v3-card--lavender { background: var(--soft); }
.loan-options-v3-card--lime { background: var(--lime); }
.loan-options-v3-card--ink { color: var(--white); background: var(--ink); }
.loan-options-v3-card--ink p,
.loan-options-v3-card--ink li,
.loan-options-v3-card--ink .loan-options-v3-card__consideration span { color: rgba(255,255,255,.69); }
.loan-options-v3-card--ink .loan-options-v3-card__best,
.loan-options-v3-card--ink .loan-options-v3-card__consideration { border-color: rgba(255,255,255,.13); background: rgba(255,255,255,.05); }
.loan-options-v3-card__top { display: flex; align-items: center; justify-content: space-between; gap: 16px; }
.loan-options-v3-card__top > span { color: var(--accent); font-size: .67rem; font-weight: 850; }
.loan-options-v3-card--lime .loan-options-v3-card__top > span { color: var(--ink); }
.loan-options-v3-card--ink .loan-options-v3-card__top > span { color: var(--lime); }
.loan-options-v3-card__top small { max-width: 170px; color: var(--muted); font-size: .55rem; font-weight: 760; line-height: 1.4; text-align: right; }
.loan-options-v3-card--lime .loan-options-v3-card__top small { color: rgba(32,31,47,.68); }
.loan-options-v3-card--ink .loan-options-v3-card__top small { color: rgba(255,255,255,.56); }
.loan-options-v3-card h2 { margin-top: 43px; font-size: clamp(2.15rem,3vw,3.2rem); }
.loan-options-v3-card > p { margin-top: 18px; font-size: .73rem; }
.loan-options-v3-card__best { margin-top: 24px; padding: 15px; border: 1px solid rgba(32,31,47,.09); border-radius: 16px; background: rgba(255,255,255,.56); }
.loan-options-v3-card__best small { display: block; color: var(--accent-dark); font-size: .54rem; font-weight: 820; letter-spacing: .07em; text-transform: uppercase; }
.loan-options-v3-card--ink .loan-options-v3-card__best small { color: var(--lime); }
.loan-options-v3-card__best strong { display: block; margin-top: 5px; font-size: .65rem; line-height: 1.45; }
.loan-options-v3-card ul { display: grid; gap: 9px; margin: 20px 0 0; padding: 0; list-style: none; }
.loan-options-v3-card li { display: grid; grid-template-columns: 20px 1fr; gap: 8px; color: var(--ink-2); font-size: .62rem; line-height: 1.45; }
.loan-options-v3-card li i { display: grid; width: 18px; height: 18px; place-items: center; border-radius: 50%; color: var(--accent-dark); background: var(--white); font-size: .54rem; font-style: normal; font-weight: 900; }
.loan-options-v3-card--ink li i { color: var(--ink); background: var(--lime); }
.loan-options-v3-card__consideration { margin-top: 19px; padding: 14px; border: 1px solid rgba(32,31,47,.09); border-radius: 15px; background: rgba(255,255,255,.5); }
.loan-options-v3-card__consideration small { display: block; color: var(--ink); font-size: .53rem; font-weight: 820; text-transform: uppercase; }
.loan-options-v3-card--ink .loan-options-v3-card__consideration small { color: var(--white); }
.loan-options-v3-card__consideration span { display: block; margin-top: 4px; color: var(--muted); font-size: .57rem; line-height: 1.42; }
.loan-options-v3-card > a { display: flex; justify-content: space-between; gap: 12px; margin-top: auto; padding-top: 25px; color: var(--accent-dark); font-size: .67rem; font-weight: 830; }
.loan-options-v3-card--lime > a,
.loan-options-v3-card--ink > a { color: inherit; }
.loan-comparison-studio { padding-top: 115px; }
.product-matrix-v3 { background: var(--white); }
.product-matrix-v3__scroll { overflow-x: auto; border: 1px solid var(--line); border-radius: 27px; background: var(--white); box-shadow: var(--shadow-card); }
.product-matrix-v3 table { width: 100%; min-width: 980px; border-collapse: collapse; }
.product-matrix-v3 thead { color: var(--white); background: var(--ink); }
.product-matrix-v3 th,
.product-matrix-v3 td { padding: 18px 20px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); font-size: .66rem; line-height: 1.52; text-align: left; vertical-align: top; }
.product-matrix-v3 thead th { border-color: rgba(255,255,255,.12); font-size: .61rem; letter-spacing: .03em; }
.product-matrix-v3 tbody th { color: var(--ink); font-family: var(--font-display); font-size: .8rem; }
.product-matrix-v3 td { color: var(--muted); }
.product-matrix-v3 tr:last-child > * { border-bottom: 0; }
.product-matrix-v3 tr > *:last-child { width: 58px; border-right: 0; text-align: center; }
.product-matrix-v3 td a { display: grid; width: 32px; height: 32px; place-items: center; border-radius: 50%; color: var(--white); background: var(--accent); }
.loan-options-cta-v3 { padding-top: 0; background: var(--white); }
.loan-options-cta-v3__panel { display: grid; grid-template-columns: 1fr auto; gap: 45px; align-items: end; padding: clamp(40px,6vw,76px); border-radius: 34px; color: var(--white); background: var(--accent); }
.loan-options-cta-v3__panel h2 { max-width: 760px; }
.loan-options-cta-v3__panel p { max-width: 700px; margin-top: 23px; color: rgba(255,255,255,.72); }
.loan-options-cta-v3__panel > div:last-child { display: flex; flex-direction: column; gap: 10px; min-width: 235px; }

/* MLO one-page site */
.mlo-site-hero { position: relative; overflow: hidden; padding: clamp(65px,7.5vw,112px) 0 clamp(78px,8vw,120px); background: radial-gradient(circle at 8% 8%,rgba(32,31,47,.11),transparent 32%), var(--white); }
.mlo-site-hero__orb { position: absolute; right: -230px; top: -260px; width: 700px; height: 700px; border-radius: 50%; background: var(--accent-soft); }
.mlo-site-hero__grid { position: relative; z-index: 2; display: grid; grid-template-columns: .92fr 1.08fr; gap: clamp(60px,8vw,120px); align-items: center; }
.mlo-site-hero__brand { display: flex; align-items: center; gap: 13px; margin-bottom: 34px; }
.mlo-site-hero__brand > span { color: var(--ink); font-family: var(--font-display); font-size: 2rem; font-weight: 900; letter-spacing: -.09em; }
.mlo-site-hero__brand small { padding-left: 13px; border-left: 1px solid var(--line-strong); color: var(--muted); font-size: .6rem; font-weight: 720; }
.mlo-site-hero__copy h1 { max-width: 760px; font-size: clamp(3.7rem,6.4vw,6.7rem); }
.mlo-site-hero__copy > p { max-width: 670px; margin: 29px 0 0; font-size: 1.05rem; }
.mlo-site-hero__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 33px; }
.mlo-site-hero__contact { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 26px; }
.mlo-site-hero__contact a { display: grid; grid-template-columns: 36px 1fr; grid-template-rows: auto auto; column-gap: 11px; padding: 14px; border: 1px solid var(--line); border-radius: 16px; background: var(--white); }
.mlo-site-hero__contact a > span { grid-row: 1 / span 2; display: grid; width: 34px; height: 34px; place-items: center; border-radius: 11px; color: var(--accent-dark); background: var(--accent-soft); font-size: .7rem; font-weight: 900; }
.mlo-site-hero__contact small { color: var(--muted); font-size: .55rem; }
.mlo-site-hero__contact strong { overflow: hidden; font-size: .63rem; text-overflow: ellipsis; white-space: nowrap; }
.mlo-site-hero__visual { position: relative; min-height: 700px; }
.mlo-site-hero__visual::before { position: absolute; z-index: 0; right: 4%; bottom: 4%; width: 78%; height: 86%; border-radius: 37px; background: var(--lime); content: ""; transform: rotate(3deg); }
.mlo-site-hero__photo { position: absolute; z-index: 1; top: 0; right: 10%; bottom: 7%; left: 4%; overflow: hidden; border-radius: 36px; background: var(--soft); box-shadow: var(--shadow); }
.mlo-site-hero__photo img { width: 100%; height: 100%; object-fit: cover; }
.mlo-site-hero__credential,
.mlo-site-hero__promise,
.mlo-site-hero__mini-card { position: absolute; z-index: 3; border: 1px solid rgba(255,255,255,.7); background: rgba(255,255,255,.95); box-shadow: var(--shadow-soft); backdrop-filter: blur(15px); }
.mlo-site-hero__credential { top: 31px; right: 0; display: flex; width: 230px; flex-direction: column; padding: 20px; border-radius: 21px; }
.mlo-site-hero__credential small { color: var(--muted); font-size: .56rem; }
.mlo-site-hero__credential strong { margin-top: 4px; font-family: var(--font-display); font-size: 1.22rem; letter-spacing: -.035em; }
.mlo-site-hero__credential span { margin-top: 4px; color: var(--accent-dark); font-size: .59rem; font-weight: 770; }
.mlo-site-hero__promise { right: 8px; bottom: 23%; display: grid; grid-template-columns: 42px 1fr; gap: 12px; align-items: center; width: 280px; padding: 15px; border-radius: 19px; }
.mlo-site-hero__promise > span { display: grid; width: 40px; height: 40px; place-items: center; border-radius: 13px; color: var(--ink); background: var(--lime); font-weight: 900; }
.mlo-site-hero__promise > div { display: flex; flex-direction: column; }
.mlo-site-hero__promise small { color: var(--muted); font-size: .56rem; }
.mlo-site-hero__promise strong { margin-top: 2px; font-size: .68rem; }
.mlo-site-hero__mini-card { left: -18px; bottom: 0; display: flex; width: 245px; flex-direction: column; padding: 20px; border-radius: 21px; }
.mlo-site-hero__mini-card small { color: var(--accent-dark); font-size: .57rem; font-weight: 820; text-transform: uppercase; }
.mlo-site-hero__mini-card strong { margin-top: 7px; font-family: var(--font-display); font-size: 1.2rem; line-height: 1.1; letter-spacing: -.035em; }
.mlo-site-hero__mini-card a { margin-top: 14px; color: var(--accent-dark); font-size: .64rem; font-weight: 820; }
.mlo-credential-strip { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--soft); }
.mlo-credential-strip__grid { display: grid; grid-template-columns: repeat(4,1fr); }
.mlo-credential-strip__grid > div { min-height: 125px; display: flex; flex-direction: column; justify-content: center; padding: 23px 28px; border-right: 1px solid var(--line); }
.mlo-credential-strip__grid > div:first-child { border-left: 1px solid var(--line); }
.mlo-credential-strip small { color: var(--accent-dark); font-size: .55rem; font-weight: 790; text-transform: uppercase; }
.mlo-credential-strip strong { margin-top: 6px; font-family: var(--font-display); font-size: 1.05rem; letter-spacing: -.03em; }
.mlo-credential-strip span,
.mlo-credential-strip a { margin-top: 4px; color: var(--muted); font-size: .58rem; }
.mlo-credential-strip a { color: var(--accent-dark); font-weight: 780; }
.mlo-help-v3 { background: var(--white); }
.mlo-help-v3__grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 15px; }
.mlo-help-v3__grid article { min-height: 340px; display: flex; flex-direction: column; padding: 26px; border: 1px solid var(--line); border-radius: 25px; background: var(--white); box-shadow: var(--shadow-card); }
.mlo-help-v3__grid article:nth-child(2) { background: var(--accent-soft); }
.mlo-help-v3__grid article:nth-child(3) { background: var(--lime); }
.mlo-help-v3__grid article:nth-child(4) { color: var(--white); background: var(--ink); }
.mlo-help-v3__grid article > span { align-self: flex-end; color: var(--accent); font-size: .62rem; font-weight: 850; }
.mlo-help-v3__grid article:nth-child(3) > span { color: var(--ink); }
.mlo-help-v3__grid article:nth-child(4) > span { color: var(--lime); }
.mlo-help-v3__icon { display: grid; width: 50px; height: 50px; place-items: center; margin-top: 42px; border-radius: 16px; color: var(--white); background: var(--accent); font-family: var(--font-display); font-size: 1.2rem; font-weight: 850; }
.mlo-help-v3__grid article:nth-child(3) .mlo-help-v3__icon { color: var(--white); background: var(--ink); }
.mlo-help-v3__grid article:nth-child(4) .mlo-help-v3__icon { color: var(--ink); background: var(--lime); }
.mlo-help-v3__grid h3 { margin-top: auto; font-size: 1.65rem; }
.mlo-help-v3__grid p { margin-top: 13px; font-size: .66rem; }
.mlo-help-v3__grid article:nth-child(4) p { color: rgba(255,255,255,.65); }
.mlo-process-v3 { background: var(--soft); }
.mlo-process-v3__grid { display: grid; grid-template-columns: 1.04fr .96fr; gap: clamp(55px,8vw,115px); align-items: center; }
.mlo-process-v3__visual { position: relative; min-height: 670px; overflow: hidden; border-radius: 35px; }
.mlo-process-v3__visual picture,
.mlo-process-v3__visual img { width: 100%; height: 100%; }
.mlo-process-v3__visual img { object-fit: cover; }
.mlo-process-v3__visual::after { position: absolute; inset: 0; background: linear-gradient(180deg,transparent 42%,rgba(25,22,42,.84)); content: ""; }
.mlo-process-v3__visual > div { position: absolute; z-index: 2; right: 32px; bottom: 31px; left: 32px; display: flex; flex-direction: column; color: var(--white); }
.mlo-process-v3__visual small { color: var(--lime); font-size: .63rem; font-weight: 820; letter-spacing: .09em; text-transform: uppercase; }
.mlo-process-v3__visual strong { max-width: 530px; margin-top: 9px; font-family: var(--font-display); font-size: 2.3rem; line-height: 1.02; letter-spacing: -.05em; }
.mlo-process-v3__copy h2 { max-width: 690px; }
.mlo-process-v3__copy ol { display: grid; margin: 31px 0 34px; padding: 0; list-style: none; }
.mlo-process-v3__copy li { display: grid; grid-template-columns: 45px 1fr; gap: 15px; padding: 22px 0; border-top: 1px solid var(--line); }
.mlo-process-v3__copy li > span { color: var(--accent); font-size: .67rem; font-weight: 850; }
.mlo-process-v3__copy li strong { color: var(--ink); font-size: .84rem; }
.mlo-process-v3__copy li p { margin-top: 7px; font-size: .69rem; }
.mlo-products-v3 { background: var(--white); }
.mlo-products-v3__grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 15px; }
.mlo-product-card { min-height: 380px; display: flex; flex-direction: column; padding: 27px; border: 1px solid var(--line); border-radius: 25px; background: var(--accent-soft); transition: transform .25s ease, box-shadow .25s ease; }
.mlo-product-card:hover { transform: translateY(-6px); box-shadow: var(--shadow-soft); }
.mlo-product-card--lime { background: var(--lime); }
.mlo-product-card--ink { color: var(--white); background: var(--ink); }
.mlo-product-card > span { align-self: flex-end; color: var(--accent); font-size: .62rem; font-weight: 850; }
.mlo-product-card--lime > span { color: var(--ink); }
.mlo-product-card--ink > span { color: var(--lime); }
.mlo-product-card > small { margin-top: 28px; color: var(--accent-dark); font-size: .58rem; font-weight: 820; letter-spacing: .08em; text-transform: uppercase; }
.mlo-product-card--lime > small { color: var(--ink); }
.mlo-product-card--ink > small { color: var(--lime); }
.mlo-product-card h3 { margin-top: 13px; font-size: 2.2rem; }
.mlo-product-card p { margin-top: 18px; font-size: .68rem; }
.mlo-product-card--ink p { color: rgba(255,255,255,.67); }
.mlo-product-card b { margin-top: auto; padding-top: 30px; color: var(--accent-dark); font-size: .66rem; }
.mlo-product-card--lime b,
.mlo-product-card--ink b { color: inherit; }
.mlo-calculator-v3 { color: var(--white); background: var(--ink); }
.mlo-calculator-v3__grid { display: grid; grid-template-columns: .9fr 1.1fr; gap: clamp(55px,8vw,115px); align-items: center; }
.mlo-calculator-v3__copy h2 { max-width: 690px; }
.mlo-calculator-v3__copy > p { max-width: 620px; margin: 26px 0 31px; color: rgba(255,255,255,.67); }
.mlo-calculator-v3__result { display: inline-flex; min-width: 280px; flex-direction: column; padding: 22px; border: 1px solid rgba(255,255,255,.13); border-radius: 20px; background: rgba(255,255,255,.06); }
.mlo-calculator-v3__result small { color: rgba(255,255,255,.58); font-size: .6rem; }
.mlo-calculator-v3__result strong { margin: 6px 0 2px; color: var(--lime); font-family: var(--font-display); font-size: 2.55rem; line-height: 1; letter-spacing: -.06em; }
.mlo-calculator-v3__result span { color: rgba(255,255,255,.5); font-size: .57rem; }
.mlo-calculator-v3__form { padding: clamp(27px,4vw,44px); border-radius: 30px; color: var(--ink); background: var(--white); box-shadow: 0 35px 90px rgba(0,0,0,.25); }
.mlo-calculator-v3__form .field-grid { grid-template-columns: 1fr 1fr; gap: 14px; }
.mlo-calculator-v3__form label > span { color: var(--ink-2); font-size: .62rem; font-weight: 750; }
.mlo-calculator-v3__form .input-wrap { margin-top: 7px; border: 1px solid var(--line); background: var(--soft); }
.mlo-calculator-v3__form-result { display: flex; flex-direction: column; margin: 20px 0; padding: 20px; border-radius: 18px; color: var(--white); background: var(--accent); }
.mlo-calculator-v3__form-result span { color: rgba(255,255,255,.67); font-size: .59rem; }
.mlo-calculator-v3__form-result strong { margin: 5px 0; font-family: var(--font-display); font-size: 2.25rem; line-height: 1; letter-spacing: -.055em; }
.mlo-calculator-v3__form-result small { color: rgba(255,255,255,.58); font-size: .55rem; }
.mlo-reviews-v3 { background: var(--soft); }
.mlo-reviews-v3__grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; }
.mlo-reviews-v3 blockquote { display: flex; min-height: 335px; flex-direction: column; margin: 0; padding: 30px; border: 1px solid var(--line); border-radius: 26px; background: var(--white); box-shadow: var(--shadow-card); }
.mlo-reviews-v3 blockquote:nth-child(2) { color: var(--white); background: var(--accent); }
.mlo-reviews-v3 blockquote > div { color: var(--accent); font-size: .75rem; letter-spacing: .12em; }
.mlo-reviews-v3 blockquote:nth-child(2) > div { color: var(--lime); }
.mlo-reviews-v3 blockquote p { margin-top: 35px; color: var(--ink-2); font-family: var(--font-display); font-size: 1.25rem; line-height: 1.37; letter-spacing: -.03em; }
.mlo-reviews-v3 blockquote:nth-child(2) p { color: var(--white); }
.mlo-reviews-v3 blockquote footer { display: flex; flex-direction: column; margin-top: auto; }
.mlo-reviews-v3 blockquote footer strong { font-size: .72rem; }
.mlo-reviews-v3 blockquote footer span { color: var(--muted); font-size: .6rem; }
.mlo-reviews-v3 blockquote:nth-child(2) footer span { color: rgba(255,255,255,.6); }
.mlo-service-v3 { background: var(--white); }
.mlo-service-v3__grid { display: grid; grid-template-columns: .86fr 1.14fr; gap: clamp(55px,8vw,115px); align-items: start; }
.mlo-service-v3__grid > div:first-child { position: sticky; top: 130px; }
.mlo-service-v3__grid > div:first-child h2 { max-width: 650px; }
.mlo-service-v3__grid > div:first-child p { max-width: 580px; margin-top: 24px; }
.mlo-service-v3__list { display: grid; }
.mlo-service-v3__list > span { display: grid; grid-template-columns: 44px 1fr 30px; gap: 15px; align-items: center; min-height: 94px; padding: 18px 0; border-top: 1px solid var(--line); }
.mlo-service-v3__list > span:last-child { border-bottom: 1px solid var(--line); }
.mlo-service-v3__list i { color: var(--accent); font-size: .65rem; font-style: normal; font-weight: 850; }
.mlo-service-v3__list strong { font-family: var(--font-display); font-size: 1.45rem; letter-spacing: -.035em; }
.mlo-service-v3__list b { color: var(--accent); font-size: 1rem; }
.mlo-final-v3 { padding: 0 0 110px; background: var(--white); }
.mlo-final-v3__panel { display: grid; grid-template-columns: 1fr auto; gap: 55px; align-items: center; padding: clamp(45px,7vw,85px); border-radius: 36px; color: var(--white); background: var(--accent); }
.mlo-final-v3__panel h2 { max-width: 770px; }
.mlo-final-v3__panel p { max-width: 620px; margin-top: 22px; color: rgba(255,255,255,.7); }
.mlo-final-v3__actions { display: grid; gap: 10px; min-width: 250px; }
.mlo-final-v3__actions > a:not(.button) { color: rgba(255,255,255,.78); font-size: .66rem; text-align: center; }

/* MLO directory polish */
.mlo-directory { gap: 22px; }
.mlo-directory__card { overflow: hidden; border-radius: 28px; box-shadow: var(--shadow-card); }
.mlo-directory__card > div { background: var(--white); }
.mlo-directory__card .button--dark { background: var(--accent); }

@media (max-width: 1120px) {
  .loan-options-v3__grid { grid-template-columns: repeat(2,1fr); }
  .mlo-site-hero__grid { grid-template-columns: 1fr 1fr; gap: 55px; }
  .mlo-help-v3__grid,
  .mlo-products-v3__grid { grid-template-columns: repeat(2,1fr); }
  .mlo-credential-strip__grid { grid-template-columns: 1fr 1fr; }
  .mlo-credential-strip__grid > div:nth-child(2) { border-right: 0; }
  .mlo-credential-strip__grid > div:nth-child(n+3) { border-top: 1px solid var(--line); }
}

@media (max-width: 940px) {
  .licensing-disclosure-v3__grid,
  .mlo-site-hero__grid,
  .mlo-process-v3__grid,
  .mlo-calculator-v3__grid,
  .mlo-service-v3__grid { grid-template-columns: 1fr; }
  .mlo-site-hero__copy { max-width: 800px; }
  .mlo-site-hero__visual { min-height: 690px; }
  .mlo-process-v3__visual { min-height: 560px; }
  .mlo-service-v3__grid > div:first-child { position: static; }
  .loan-options-cta-v3__panel,
  .mlo-final-v3__panel { grid-template-columns: 1fr; align-items: start; }
  .loan-options-cta-v3__panel > div:last-child,
  .mlo-final-v3__actions { width: min(100%,420px); }
  .mlo-reviews-v3__grid { grid-template-columns: 1fr 1fr; }
  .mlo-reviews-v3 blockquote:last-child { grid-column: 1 / -1; }
}

@media (max-width: 700px) {
  .licensing-details-v3__grid,
  .licensing-disclosure-v3__cards,
  .loan-options-v3__grid,
  .mlo-site-hero__contact,
  .mlo-help-v3__grid,
  .mlo-products-v3__grid,
  .mlo-reviews-v3__grid { grid-template-columns: 1fr; }
  .licensing-disclosure-v3__cards article:first-child { grid-row: auto; min-height: 260px; }
  .legal-notice-v3__card { grid-template-columns: 1fr; }
  .loan-options-v3-card { min-height: 500px; }
  .loan-options-cta-v3__panel { padding: 32px 24px; border-radius: 27px; }
  .mlo-site-hero { padding-top: 52px; }
  .mlo-site-hero__copy h1 { font-size: clamp(3.1rem,14vw,4.7rem); }
  .mlo-site-hero__actions { display: grid; }
  .mlo-site-hero__actions .button { width: 100%; }
  .mlo-site-hero__visual { min-height: 610px; }
  .mlo-site-hero__photo { right: 4%; bottom: 6%; left: 4%; }
  .mlo-site-hero__credential { top: 17px; right: 8px; width: 205px; }
  .mlo-site-hero__promise { right: 8px; bottom: 22%; width: 250px; }
  .mlo-site-hero__mini-card { left: 0; width: 215px; }
  .mlo-credential-strip__grid { grid-template-columns: 1fr; }
  .mlo-credential-strip__grid > div { min-height: 95px; border-right: 0; border-bottom: 1px solid var(--line); border-left: 0 !important; }
  .mlo-credential-strip__grid > div:last-child { border-bottom: 0; }
  .mlo-help-v3__grid article { min-height: 295px; }
  .mlo-process-v3__visual { min-height: 470px; border-radius: 27px; }
  .mlo-process-v3__visual strong { font-size: 1.8rem; }
  .mlo-products-v3__grid { grid-template-columns: 1fr; }
  .mlo-product-card { min-height: 320px; }
  .mlo-calculator-v3__form .field-grid { grid-template-columns: 1fr; }
  .mlo-reviews-v3 blockquote,
  .mlo-reviews-v3 blockquote:last-child { grid-column: auto; min-height: 290px; }
  .mlo-final-v3 { padding-bottom: 75px; }
  .mlo-final-v3__panel { padding: 34px 25px; border-radius: 28px; }
  .mlo-final-v3__actions { min-width: 0; }
  .mlo-final-v3__actions .button { width: 100%; }
}

/* ======================================================================
   V3 loan-product comparisons
   ====================================================================== */
.loan-product-v3 { overflow: clip; }
.product-glance-section { background: #fff; }
.product-glance-heading { display: grid; grid-template-columns: minmax(260px,.55fr) minmax(0,1.45fr); gap: 80px; align-items: start; margin-bottom: 48px; }
.product-glance-heading h2 { max-width: 980px; font-size: clamp(2.45rem,4vw,4.35rem); }
.product-glance-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 14px; }
.product-glance-grid article { min-height: 280px; display: flex; flex-direction: column; padding: 27px; border: 1px solid var(--line); border-radius: 25px; background: var(--soft); transition: transform .25s ease, border-color .25s ease, box-shadow .25s ease; }
.product-glance-grid article:nth-child(2) { background: var(--accent-soft); }
.product-glance-grid article:nth-child(3) { background: #fff; }
.product-glance-grid article:nth-child(4) { color: #fff; background: var(--ink); }
.product-glance-grid article:hover { transform: translateY(-5px); border-color: var(--accent); box-shadow: var(--shadow-soft); }
.product-glance-grid article > span { display: grid; width: 39px; height: 39px; place-items: center; border-radius: 50%; color: var(--accent-dark); background: #fff; font-size: .61rem; font-weight: 850; }
.product-glance-grid article:nth-child(4) > span { color: var(--ink); background: var(--lime); }
.product-glance-grid small { margin-top: auto; color: var(--accent-dark); font-size: .59rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.product-glance-grid article:nth-child(4) small { color: var(--lime); }
.product-glance-grid strong { display: block; margin-top: 9px; font-size: 1rem; line-height: 1.45; letter-spacing: -.025em; }

.product-story-section { background: var(--soft); }
.product-story-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.product-story-card { min-height: 620px; display: flex; flex-direction: column; padding: clamp(38px,5vw,68px); overflow: hidden; border: 1px solid var(--line); border-radius: 32px; background: #fff; }
.product-story-card--benefits { position: relative; }
.product-story-card--benefits::after { position: absolute; right: -90px; bottom: -120px; width: 330px; height: 330px; border-radius: 50%; background: var(--accent-soft); content: ""; }
.product-story-card--tradeoffs { color: #fff; background: var(--ink); }
.product-story-card h2 { position: relative; z-index: 2; max-width: 650px; margin-bottom: 38px; font-size: clamp(2.35rem,3.6vw,4rem); }
.product-story-card--tradeoffs .section-kicker { color: rgba(255,255,255,.72); }
.product-story-card--tradeoffs .section-kicker > span { background: var(--lime); }
.feature-list--v3 { position: relative; z-index: 2; display: grid; gap: 0; margin: auto 0 0; padding: 0; list-style: none; }
.feature-list--v3 li { display: grid; grid-template-columns: 38px 1fr; gap: 14px; align-items: center; padding: 18px 0; border-top: 1px solid var(--line); }
.feature-list--v3 i { display: grid; width: 34px; height: 34px; place-items: center; border-radius: 50%; color: #201f2f; background: var(--lime); font-size: .72rem; font-style: normal; font-weight: 900; }
.feature-list--v3 span { color: var(--ink-3); font-size: .82rem; line-height: 1.55; }
.feature-list--caution li { border-color: rgba(255,255,255,.12); }
.feature-list--caution i { color: var(--ink); background: var(--accent-soft); }
.feature-list--caution span { color: rgba(255,255,255,.68); }
.product-story-note { margin-top: 27px; padding: 22px; border-radius: 19px; color: var(--ink); background: var(--lime); }
.product-story-note strong { display: block; margin-bottom: 6px; font-size: .72rem; text-transform: uppercase; letter-spacing: .06em; }
.product-story-note p { color: var(--ink-2); font-size: .71rem; line-height: 1.55; }

.product-matrix-section { background: #fff; }
.product-compare-table { overflow-x: auto; border: 1px solid var(--line); border-radius: 30px; background: #fff; box-shadow: var(--shadow-soft); scrollbar-width: thin; scrollbar-color: var(--accent) var(--soft); }
.product-compare-table__grid { display: grid; grid-template-columns: 250px repeat(var(--comparison-columns), minmax(270px,1fr)); min-width: calc(250px + (var(--comparison-columns) * 270px)); }
.product-compare-table__corner,
.product-compare-table__product,
.product-compare-table__label,
.product-compare-table__value { border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.product-compare-table__corner { min-height: 180px; display: flex; flex-direction: column; justify-content: end; padding: 27px; color: #fff; background: var(--ink); }
.product-compare-table__corner span { color: var(--lime); font-size: .59rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.product-compare-table__corner strong { margin-top: 8px; font-size: 1.35rem; }
.product-compare-table__product { min-height: 180px; display: flex; flex-direction: column; padding: 27px; background: var(--soft); }
.product-compare-table__product.is-featured { color: #fff; background: var(--accent); }
.product-compare-table__product small { color: var(--accent-dark); font-size: .57rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.product-compare-table__product.is-featured small { color: var(--lime); }
.product-compare-table__product > strong { margin: 12px 0 7px; font-family: var(--font-display); font-size: 2rem; line-height: 1; letter-spacing: -.045em; }
.product-compare-table__product > span { color: var(--muted); font-size: .68rem; line-height: 1.45; }
.product-compare-table__product.is-featured > span { color: rgba(255,255,255,.72); }
.product-compare-table__product a { display: inline-flex; align-items: center; gap: 7px; margin-top: auto; padding-top: 16px; color: var(--accent-dark); font-size: .65rem; font-weight: 800; }
.product-compare-table__label { display: flex; align-items: center; padding: 20px 25px; color: var(--ink); background: var(--soft); font-size: .69rem; font-weight: 780; }
.product-compare-table__value { display: flex; align-items: center; min-height: 100px; padding: 20px 24px; color: var(--muted); background: #fff; font-size: .7rem; line-height: 1.55; }
.product-compare-table__value.is-featured { color: var(--ink-2); background: var(--accent-soft); }
.product-compare-table__grid > *:nth-child(calc(var(--comparison-columns) + 1n)) { border-right: 0; }
.product-compare-disclosure { max-width: 930px; margin: 21px auto 0; font-size: .65rem; line-height: 1.65; text-align: center; }

.product-fit-v3-section { color: #fff; background: var(--ink); }
.product-fit-v3-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.product-fit-v3-card { position: relative; min-height: 590px; display: flex; flex-direction: column; padding: clamp(40px,5vw,68px); overflow: hidden; border: 1px solid rgba(255,255,255,.13); border-radius: 32px; background: rgba(255,255,255,.06); }
.product-fit-v3-card--yes { background: var(--accent); }
.product-fit-v3-card__icon { position: absolute; right: 35px; top: 35px; display: grid; width: 58px; height: 58px; place-items: center; border-radius: 50%; color: var(--ink); background: var(--lime); font-size: 1.15rem; font-weight: 900; }
.product-fit-v3-card .section-kicker { color: rgba(255,255,255,.72); }
.product-fit-v3-card .section-kicker > span { background: var(--lime); }
.product-fit-v3-card h2 { max-width: 660px; margin-bottom: 24px; font-size: clamp(2.35rem,3.6vw,4rem); }
.product-fit-v3-card > p { max-width: 610px; color: rgba(255,255,255,.7); font-size: .88rem; }
.product-fit-v3-card ul { display: grid; gap: 0; margin: auto 0 0; padding: 28px 0 0; list-style: none; }
.product-fit-v3-card li { position: relative; padding: 15px 0 15px 24px; border-top: 1px solid rgba(255,255,255,.15); color: rgba(255,255,255,.72); font-size: .73rem; line-height: 1.5; }
.product-fit-v3-card li::before { position: absolute; top: 22px; left: 2px; width: 7px; height: 7px; border-radius: 50%; background: var(--lime); content: ""; }
.product-fit-v3-links { display: grid; gap: 0; margin-top: auto; padding-top: 28px; }
.product-fit-v3-links a { display: flex; align-items: center; justify-content: space-between; padding: 18px 0; border-top: 1px solid rgba(255,255,255,.14); color: #fff; font-size: .82rem; font-weight: 750; }
.product-fit-v3-links b { display: grid; width: 34px; height: 34px; place-items: center; border-radius: 50%; color: var(--ink); background: var(--lime); }
.product-faq-section { background: var(--soft); }
.product-final-cta { padding-top: 0; background: var(--soft); }

/* Licensing-page refinements */
.license-directory--v3 { grid-template-columns: 1fr 1fr; gap: 18px; }
.license-directory--v3 article { position: relative; min-height: 355px; padding: 37px; overflow: hidden; border: 1px solid var(--line); border-radius: 28px; background: #fff; }
.license-directory--v3 article:nth-child(2) { background: var(--accent-soft); }
.license-directory__code { position: absolute; right: 23px; bottom: -18px; color: rgba(32,31,47,.09); font-family: var(--font-display); font-size: 10rem; font-weight: 850; line-height: 1; letter-spacing: -.09em; }
.license-directory--v3 h2 { position: relative; margin: 30px 0 13px; font-size: 3rem; }
.license-directory--v3 strong { position: relative; display: block; margin-bottom: 15px; font-size: .78rem; }
.license-directory--v3 p { position: relative; max-width: 570px; font-size: .8rem; }
.legal-copy--v3 { max-width: 980px; }
.legal-copy--v3 h2 { max-width: 850px; margin-bottom: 30px; }
.legal-copy--v3 > p { max-width: 900px; margin-bottom: 19px; font-size: .9rem; line-height: 1.8; }
.legal-company-card { display: grid; gap: 4px; max-width: 520px; margin: 30px 0; padding: 24px; border-left: 4px solid var(--accent); border-radius: 0 18px 18px 0; background: var(--soft); }
.legal-company-card strong { font-size: .9rem; }
.legal-company-card span { color: var(--muted); font-size: .73rem; }

/* ======================================================================
   V3 MLO directory and personal marketing pages
   ====================================================================== */
.mlo-directory-v3-section { background: #fff; }
.mlo-directory-v3 { display: grid; gap: 24px; }
.mlo-directory-v3__card { display: grid; grid-template-columns: minmax(330px,.72fr) minmax(0,1.28fr); min-height: 660px; overflow: hidden; border: 1px solid var(--line); border-radius: 34px; background: var(--soft); box-shadow: var(--shadow-soft); }
.mlo-directory-v3__photo { position: relative; min-height: 660px; overflow: hidden; background: var(--accent-soft); }
.mlo-directory-v3__photo img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.mlo-directory-v3__photo > span { position: absolute; left: 25px; bottom: 25px; padding: 9px 12px; border-radius: 999px; color: #fff; background: var(--ink); font-size: .59rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.mlo-directory-v3__body { display: flex; flex-direction: column; padding: clamp(40px,5vw,72px); background: #fff; }
.mlo-directory-v3__body > small { color: var(--accent-dark); font-size: .64rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.mlo-directory-v3__body h2 { margin: 13px 0 14px; font-size: clamp(2.8rem,4.3vw,4.8rem); }
.mlo-directory-v3__credentials { display: flex; flex-wrap: wrap; gap: 7px; margin-bottom: 24px; }
.mlo-directory-v3__credentials span { padding: 8px 10px; border-radius: 999px; color: var(--ink-3); background: var(--soft); font-size: .59rem; font-weight: 750; }
.mlo-directory-v3__body > p { max-width: 700px; font-size: .9rem; }
.mlo-directory-v3__specialties { display: flex; flex-wrap: wrap; gap: 8px; margin: 28px 0; }
.mlo-directory-v3__specialties span { padding: 10px 12px; border: 1px solid var(--line); border-radius: 999px; color: var(--ink-3); background: #fff; font-size: .62rem; font-weight: 720; }
.mlo-directory-v3__actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: auto; }
.mlo-directory-v3__contact { display: flex; flex-wrap: wrap; gap: 18px; margin-top: 22px; padding-top: 19px; border-top: 1px solid var(--line); }
.mlo-directory-v3__contact a { color: var(--accent-dark); font-size: .7rem; font-weight: 750; }
.mlo-directory-v3__why { color: #fff; background: var(--ink); }
.mlo-directory-v3__why-grid { display: grid; grid-template-columns: minmax(0,.75fr) minmax(560px,1.25fr); gap: 100px; align-items: start; }
.mlo-directory-v3__why-grid h2 { max-width: 650px; }
.mlo-directory-v3__why-list { display: grid; grid-template-columns: 1fr 1fr; gap: 0 28px; }
.mlo-directory-v3__why-list > span { display: grid; grid-template-columns: 44px 1fr; column-gap: 12px; padding: 23px 0; border-top: 1px solid rgba(255,255,255,.14); }
.mlo-directory-v3__why-list b { grid-row: 1 / span 2; display: grid; width: 40px; height: 40px; place-items: center; border-radius: 50%; color: var(--lime); background: rgba(255,255,255,.08); font-size: .58rem; }
.mlo-directory-v3__why-list strong,
.mlo-directory-v3__why-list small { display: block; }
.mlo-directory-v3__why-list strong { font-size: .78rem; }
.mlo-directory-v3__why-list small { margin-top: 4px; color: rgba(255,255,255,.52); font-size: .64rem; line-height: 1.45; }

.mlo-profile-v3 { overflow: clip; }
.mlo-profile-v3__hero { position: relative; isolation: isolate; overflow: hidden; padding: clamp(65px,7vw,105px) 0 clamp(80px,8vw,120px); background: #fff; }
.mlo-profile-v3__shape { position: absolute; z-index: -1; border-radius: 50%; }
.mlo-profile-v3__shape--one { top: -280px; left: -250px; width: 610px; height: 610px; background: var(--accent-soft); }
.mlo-profile-v3__shape--two { right: -160px; bottom: -240px; width: 520px; height: 520px; background: rgba(255,255,255,.48); }
.mlo-profile-v3__hero-grid { display: grid; grid-template-columns: minmax(390px,.78fr) minmax(0,1.22fr); gap: clamp(65px,8vw,125px); align-items: center; }
.mlo-profile-v3__portrait { position: relative; min-height: 650px; }
.mlo-profile-v3__portrait-frame { position: absolute; inset: 0 8% 55px 0; overflow: hidden; border-radius: 34px 34px 120px 34px; background: var(--accent-soft); box-shadow: var(--shadow); }
.mlo-profile-v3__portrait-frame img { width: 100%; height: 100%; object-fit: cover; object-position: center top; }
.mlo-preview-badge { position: absolute; top: 24px; left: 24px; padding: 9px 12px; border-radius: 999px; color: #fff; background: var(--ink); font-size: .58rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.mlo-profile-v3__availability { position: absolute; right: 0; bottom: 0; display: grid; grid-template-columns: 15px 1fr; gap: 11px; width: 76%; padding: 20px; border: 1px solid #fff; border-radius: 21px; background: rgba(255,255,255,.95); box-shadow: var(--shadow-soft); backdrop-filter: blur(16px); }
.mlo-profile-v3__availability > span { width: 11px; height: 11px; margin-top: 3px; border-radius: 50%; background: var(--lime-dark); box-shadow: 0 0 0 5px rgba(32,31,47,.22); }
.mlo-profile-v3__availability small,
.mlo-profile-v3__availability strong { display: block; }
.mlo-profile-v3__availability small { color: var(--accent-dark); font-size: .57rem; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.mlo-profile-v3__availability strong { margin-top: 4px; font-size: .75rem; line-height: 1.35; }
.mlo-profile-v3__back { display: inline-flex; align-items: center; gap: 8px; margin-bottom: 35px; color: var(--muted); font-size: .67rem; font-weight: 750; }
.mlo-profile-v3__intro h1 { margin-bottom: 18px; font-size: clamp(4rem,6.3vw,7rem); }
.mlo-profile-v3__credentials { display: flex; flex-wrap: wrap; gap: 7px; }
.mlo-profile-v3__credentials span { padding: 8px 11px; border-radius: 999px; color: var(--ink-3); background: var(--soft); font-size: .6rem; font-weight: 760; }
.mlo-profile-v3__lead { max-width: 730px; margin-top: 28px; color: var(--ink-2); font-size: clamp(1.08rem,1.5vw,1.3rem); line-height: 1.65; }
.mlo-profile-v3__actions { display: flex; flex-wrap: wrap; gap: 11px; margin-top: 34px; }
.mlo-profile-v3__contact-row { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 27px; }
.mlo-profile-v3__contact-row a { padding: 17px 19px; border: 1px solid var(--line); border-radius: 16px; background: #fff; transition: border-color .2s ease, transform .2s ease; }
.mlo-profile-v3__contact-row a:hover { transform: translateY(-2px); border-color: var(--accent); }
.mlo-profile-v3__contact-row small,
.mlo-profile-v3__contact-row strong { display: block; }
.mlo-profile-v3__contact-row small { color: var(--accent-dark); font-size: .56rem; font-weight: 850; letter-spacing: .08em; text-transform: uppercase; }
.mlo-profile-v3__contact-row strong { margin-top: 4px; font-size: .74rem; }
.mlo-profile-v3__promise { display: grid; grid-template-columns: 40px 1fr; gap: 14px; align-items: center; margin-top: 24px; padding-top: 24px; border-top: 1px solid var(--line); }
.mlo-profile-v3__promise > span { display: grid; width: 38px; height: 38px; place-items: center; border-radius: 50%; color: var(--accent-dark); background: var(--accent-soft); font-size: .59rem; font-weight: 850; }
.mlo-profile-v3__promise p { font-size: .7rem; line-height: 1.5; }
.mlo-profile-v3__promise strong { color: var(--ink); }

.mlo-profile-v3__content { background: var(--soft); }
.mlo-profile-v3__layout { display: grid; grid-template-columns: minmax(0,1fr) 380px; gap: clamp(45px,6vw,90px); align-items: start; }
.mlo-profile-v3__main { display: grid; gap: 100px; min-width: 0; }
.mlo-about-card { padding: clamp(40px,5vw,65px); border: 1px solid var(--line); border-radius: 31px; background: #fff; }
.mlo-about-card h2 { max-width: 800px; margin-bottom: 28px; }
.mlo-about-card > p { max-width: 820px; margin-bottom: 18px; font-size: .91rem; line-height: 1.8; }
.mlo-about-card__stats { display: grid; grid-template-columns: repeat(3,1fr); gap: 10px; margin-top: 34px; }
.mlo-about-card__stats > span { padding: 19px; border-radius: 16px; background: var(--soft); }
.mlo-about-card__stats small,
.mlo-about-card__stats strong { display: block; }
.mlo-about-card__stats small { color: var(--accent-dark); font-size: .55rem; font-weight: 850; text-transform: uppercase; letter-spacing: .08em; }
.mlo-about-card__stats strong { margin-top: 5px; font-size: .73rem; }
.mlo-specialties__grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 13px; }
.mlo-specialties__grid article { min-height: 260px; display: flex; flex-direction: column; padding: 27px; border: 1px solid var(--line); border-radius: 23px; background: #fff; }
.mlo-specialties__grid article:nth-child(2),
.mlo-specialties__grid article:nth-child(3) { background: var(--accent-soft); }
.mlo-specialties__grid span { color: var(--accent-dark); font-size: .6rem; font-weight: 850; }
.mlo-specialties__grid strong { margin: auto 0 12px; font-size: 1.25rem; }
.mlo-specialties__grid p { font-size: .68rem; line-height: 1.5; }
.mlo-calculator-card { display: grid; grid-template-columns: minmax(0,.78fr) minmax(440px,1.22fr); gap: 45px; padding: clamp(35px,4.5vw,60px); border-radius: 32px; color: #fff; background: var(--ink); }
.mlo-calculator-card__copy h2 { margin-bottom: 22px; font-size: clamp(2.5rem,4vw,4.25rem); }
.mlo-calculator-card__copy > p { margin-bottom: 28px; color: rgba(255,255,255,.66); font-size: .78rem; }
.text-link--light { color: #fff; }
.text-link--light b { color: var(--lime); }
.mortgage-calculator--mlo { padding: 27px; border: 0; border-radius: 23px; color: var(--ink); background: #fff; box-shadow: none; }
.mortgage-calculator--mlo .input-wrap { min-height: 52px; background: var(--soft); }
.calculator-result--mlo { margin: 13px 0 0; padding: 18px; border-radius: 15px; background: var(--accent-soft); }
.calculator-result--mlo strong { color: var(--accent-dark); }
.mlo-process h2 { max-width: 820px; margin-bottom: 42px; }
.mlo-process__steps { display: grid; gap: 0; border-top: 1px solid var(--line); }
.mlo-process__steps article { display: grid; grid-template-columns: 75px 1fr; gap: 22px; align-items: start; padding: 29px 0; border-bottom: 1px solid var(--line); }
.mlo-process__steps article > span { display: grid; width: 58px; height: 58px; place-items: center; border-radius: 50%; color: var(--accent-dark); background: var(--accent-soft); font-size: .64rem; font-weight: 850; }
.mlo-process__steps strong { display: block; margin-bottom: 7px; font-size: 1rem; }
.mlo-process__steps p { max-width: 700px; font-size: .75rem; line-height: 1.6; }
.mlo-resources__grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; }
.mlo-resources__grid a { position: relative; min-height: 250px; display: flex; flex-direction: column; padding: 25px; border: 1px solid var(--line); border-radius: 23px; background: #fff; }
.mlo-resources__grid a:nth-child(2) { background: var(--accent-soft); }
.mlo-resources__grid a:nth-child(3) { color: #fff; background: var(--ink); }
.mlo-resources__grid span { color: var(--accent-dark); font-size: .57rem; font-weight: 850; letter-spacing: .09em; text-transform: uppercase; }
.mlo-resources__grid a:nth-child(3) span { color: var(--lime); }
.mlo-resources__grid strong { margin: auto 0; font-size: 1.15rem; line-height: 1.25; }
.mlo-resources__grid b { display: grid; width: 38px; height: 38px; place-items: center; border-radius: 50%; color: #fff; background: var(--accent); }
.mlo-resources__grid a:nth-child(3) b { color: var(--ink); background: var(--lime); }

.mlo-apply-card { position: sticky; top: 125px; padding: 31px; border: 1px solid var(--line); border-radius: 29px; background: #fff; box-shadow: var(--shadow-soft); }
.mlo-apply-card__eyebrow { color: var(--accent-dark); font-size: .59rem; font-weight: 850; letter-spacing: .1em; text-transform: uppercase; }
.mlo-apply-card h2 { margin: 13px 0 15px; font-size: 2.25rem; }
.mlo-apply-card > p { font-size: .72rem; }
.mlo-apply-card__qr { width: 190px; margin: 23px auto 19px; padding: 12px; border: 1px solid var(--line); border-radius: 18px; text-align: center; }
.mlo-apply-card__qr img { width: 100%; height: auto; }
.mlo-apply-card__qr span { display: block; margin-top: 5px; color: var(--muted); font-size: .55rem; font-weight: 720; }
.mlo-apply-card__divider { display: flex; align-items: center; gap: 10px; margin: 22px 0 7px; color: var(--muted); font-size: .56rem; text-transform: uppercase; letter-spacing: .08em; }
.mlo-apply-card__divider::before,
.mlo-apply-card__divider::after { flex: 1; height: 1px; background: var(--line); content: ""; }
.mlo-apply-card__contact { display: grid; grid-template-columns: 1fr 28px; padding: 14px 0; border-bottom: 1px solid var(--line); }
.mlo-apply-card__contact small,
.mlo-apply-card__contact strong { display: block; }
.mlo-apply-card__contact small { color: var(--accent-dark); font-size: .54rem; font-weight: 850; text-transform: uppercase; letter-spacing: .07em; }
.mlo-apply-card__contact strong { margin-top: 3px; font-size: .68rem; overflow-wrap: anywhere; }
.mlo-apply-card__contact b { grid-column: 2; grid-row: 1 / span 2; align-self: center; color: var(--accent); }
.mlo-apply-card__license { display: grid; gap: 3px; margin-top: 19px; padding: 16px; border-radius: 15px; background: var(--soft); }
.mlo-apply-card__license span { color: var(--muted); font-size: .55rem; line-height: 1.45; }
.mlo-profile-v3__closing { padding: 90px 0; color: #fff; background: var(--ink); }
.mlo-profile-v3__closing-grid { display: grid; grid-template-columns: minmax(0,1fr) auto; gap: 60px; align-items: end; }
.mlo-profile-v3__closing-grid h2 { max-width: 850px; }
.mlo-profile-v3__closing-grid > div:last-child { display: flex; flex-wrap: wrap; gap: 11px; justify-content: flex-end; }
.mlo-mobile-cta { display: none; }

@media (max-width: 1100px) {
  .product-glance-grid { grid-template-columns: repeat(2,1fr); }
  .product-story-grid,
  .product-fit-v3-grid { grid-template-columns: 1fr; }
  .product-story-card { min-height: 540px; }
  .mlo-directory-v3__why-grid { grid-template-columns: 1fr; gap: 55px; }
  .mlo-profile-v3__hero-grid { grid-template-columns: 360px 1fr; gap: 55px; }
  .mlo-profile-v3__portrait { min-height: 580px; }
  .mlo-profile-v3__layout { grid-template-columns: 1fr 330px; gap: 35px; }
  .mlo-calculator-card { grid-template-columns: 1fr; }
}

@media (max-width: 900px) {
  .product-glance-heading { grid-template-columns: 1fr; gap: 20px; }
  .mlo-directory-v3__card { grid-template-columns: 300px 1fr; }
  .mlo-directory-v3__photo { min-height: 610px; }
  .mlo-profile-v3__hero-grid { grid-template-columns: 1fr; }
  .mlo-profile-v3__portrait { width: min(100%,560px); min-height: 640px; }
  .mlo-profile-v3__intro { max-width: 800px; }
  .mlo-profile-v3__layout { grid-template-columns: 1fr; }
  .mlo-apply-card { position: static; width: min(100%,620px); }
  .mlo-profile-v3__main { gap: 80px; }
  .mlo-profile-v3__closing-grid { grid-template-columns: 1fr; }
  .mlo-profile-v3__closing-grid > div:last-child { justify-content: flex-start; }
}

@media (max-width: 720px) {
  .product-glance-grid { grid-template-columns: 1fr; }
  .product-glance-grid article { min-height: 230px; }
  .product-story-card { min-height: 0; padding: 35px 25px; }
  .product-fit-v3-card { min-height: 530px; padding: 40px 25px; }
  .product-fit-v3-card__icon { position: static; margin-bottom: 30px; }
  .license-directory--v3 { grid-template-columns: 1fr; }
  .mlo-directory-v3__card { grid-template-columns: 1fr; }
  .mlo-directory-v3__photo { min-height: 460px; }
  .mlo-directory-v3__body { padding: 35px 25px; }
  .mlo-directory-v3__actions .button { width: 100%; }
  .mlo-directory-v3__why-list { grid-template-columns: 1fr; }
  .mlo-profile-v3__portrait { min-height: 550px; }
  .mlo-profile-v3__portrait-frame { right: 4%; }
  .mlo-profile-v3__availability { width: 86%; }
  .mlo-profile-v3__intro h1 { font-size: clamp(3.6rem,16vw,5.2rem); }
  .mlo-profile-v3__actions .button { width: 100%; }
  .mlo-profile-v3__contact-row { grid-template-columns: 1fr; }
  .mlo-about-card { padding: 34px 24px; }
  .mlo-about-card__stats { grid-template-columns: 1fr; }
  .mlo-specialties__grid { grid-template-columns: 1fr; }
  .mlo-specialties__grid article { min-height: 225px; }
  .mlo-calculator-card { padding: 35px 24px; }
  .mortgage-calculator--mlo { padding: 20px; }
  .mlo-resources__grid { grid-template-columns: 1fr; }
  .mlo-resources__grid a { min-height: 220px; }
  .mlo-profile-v3__closing-grid > div:last-child .button { width: 100%; }
  .mlo-mobile-cta { position: fixed; z-index: 85; right: 12px; bottom: calc(12px + env(safe-area-inset-bottom)); left: 12px; display: grid; grid-template-columns: .7fr 1.3fr; gap: 8px; padding: 8px; border: 1px solid rgba(255,255,255,.7); border-radius: 18px; background: rgba(255,255,255,.94); box-shadow: 0 16px 48px rgba(32,31,47,.24); backdrop-filter: blur(16px); }
  .mlo-mobile-cta a { display: flex; min-height: 48px; align-items: center; justify-content: center; border-radius: 12px; color: #fff; background: var(--ink); font-size: .68rem; font-weight: 800; }
  .mlo-mobile-cta a:last-child { background: var(--accent); }
  .mlo-profile-v3 + .site-footer { padding-bottom: 88px; }
}

/* ======================================================================
   V3 conversion pages: loan comparisons, MLO landing pages and licensing
   ====================================================================== */

/* Loan options */
.loan-options-v3 { background: var(--white); }
.loan-situation-bar { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--white); }
.loan-situation-bar__grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.loan-situation-bar__grid > a { display: grid; grid-template-columns: 44px 1fr; column-gap: 15px; align-items: center; min-height: 132px; padding: 27px clamp(22px, 3vw, 42px); border-right: 1px solid var(--line); transition: background-color .2s ease; }
.loan-situation-bar__grid > a:first-child { border-left: 1px solid var(--line); }
.loan-situation-bar__grid > a:hover { background: var(--soft); }
.loan-situation-bar__grid > a > span { grid-row: 1 / span 2; display: grid; width: 44px; height: 44px; place-items: center; border-radius: 14px; color: var(--white); background: var(--ink); font-size: .66rem; font-weight: 850; }
.loan-situation-bar__grid strong,
.loan-situation-bar__grid small { display: block; }
.loan-situation-bar__grid strong { font-size: .88rem; line-height: 1.2; }
.loan-situation-bar__grid small { margin-top: 6px; color: var(--muted); font-size: .64rem; line-height: 1.35; }
.mortgage-comparison-page { background: var(--soft); }
.comparison-tabs--page { justify-content: flex-start; margin-bottom: 22px; }
.comparison-panels--page .comparison-panel { box-shadow: 0 18px 54px rgba(32,31,47,.08); }
.product-library-v3 { background: var(--white); }
.product-library-v3__grid { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 17px; }
.product-library-card { position: relative; display: flex; min-height: 410px; flex-direction: column; padding: 26px; overflow: hidden; border: 1px solid var(--line); border-radius: 24px; background: var(--white); transition: transform .25s ease, border-color .25s ease, box-shadow .25s ease; }
.product-library-card::after { position: absolute; top: -60px; right: -60px; width: 145px; height: 145px; border-radius: 50%; background: var(--soft); content: ""; transition: transform .3s ease; }
.product-library-card:hover { transform: translateY(-5px); border-color: var(--line-strong); box-shadow: var(--shadow-card); }
.product-library-card:hover::after { transform: scale(1.12); }
.product-library-card__top { position: relative; z-index: 1; display: flex; align-items: center; justify-content: space-between; gap: 18px; }
.product-library-card__top > span { display: grid; width: 42px; height: 42px; place-items: center; border-radius: 13px; color: var(--white); background: var(--ink); font-size: .64rem; font-weight: 850; }
.product-library-card__top small { max-width: 150px; color: var(--muted); font-size: .59rem; font-weight: 800; letter-spacing: .07em; line-height: 1.35; text-align: right; text-transform: uppercase; }
.product-library-card h3 { position: relative; z-index: 1; margin-top: 37px; font-size: clamp(1.55rem, 2vw, 2.05rem); line-height: 1.03; }
.product-library-card > p { position: relative; z-index: 1; margin-top: 14px; font-size: .72rem; line-height: 1.55; }
.product-library-card__tags { position: relative; z-index: 1; display: flex; flex-direction: column; gap: 8px; margin-top: 21px; }
.product-library-card__tags span { position: relative; padding-left: 19px; color: var(--ink-3); font-size: .64rem; line-height: 1.42; }
.product-library-card__tags span::before { position: absolute; top: .48em; left: 0; width: 8px; height: 8px; border-radius: 50%; background: var(--ink); content: ""; }
.product-library-card > a { position: relative; z-index: 1; display: flex; align-items: center; justify-content: space-between; gap: 14px; margin-top: auto; padding-top: 22px; border-top: 1px solid var(--line); font-size: .7rem; font-weight: 800; }
.product-library-card > a b { display: grid; width: 32px; height: 32px; place-items: center; border-radius: 50%; color: var(--white); background: var(--ink); font-size: .78rem; transition: transform .2s ease; }
.product-library-card:hover > a b { transform: rotate(45deg); }
.loan-choice-framework { padding-top: 0; background: var(--white); }
.loan-choice-framework__panel { padding: clamp(45px, 6vw, 80px); border-radius: 34px; color: var(--white); background: var(--ink); }
.loan-choice-framework__panel > div:first-child { display: grid; grid-template-columns: minmax(0, 1fr) minmax(320px, .62fr); gap: 70px; align-items: end; }
.loan-choice-framework__panel h2 { max-width: 800px; color: var(--white); }
.loan-choice-framework__panel > div:first-child > p { color: rgba(255,255,255,.65); }
.loan-choice-framework__grid { display: grid; grid-template-columns: repeat(4, 1fr); margin-top: 48px; border-top: 1px solid rgba(255,255,255,.14); border-bottom: 1px solid rgba(255,255,255,.14); }
.loan-choice-framework__grid article { min-height: 260px; padding: 28px 25px; border-right: 1px solid rgba(255,255,255,.14); }
.loan-choice-framework__grid article:last-child { border-right: 0; }
.loan-choice-framework__grid span { display: grid; width: 39px; height: 39px; place-items: center; border: 1px solid rgba(255,255,255,.32); border-radius: 50%; font-size: .62rem; font-weight: 800; }
.loan-choice-framework__grid h3 { margin-top: 48px; color: var(--white); font-size: 1.25rem; }
.loan-choice-framework__grid p { margin-top: 10px; color: rgba(255,255,255,.58); font-size: .67rem; line-height: 1.5; }
.loan-choice-framework__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 34px; }

/* MLO profile */
.mlo-profile-v3 { overflow: clip; background: var(--white); }
.mlo-profile-v3__hero { padding: clamp(58px, 7vw, 104px) 0 clamp(72px, 8vw, 116px); background: var(--soft); }
.mlo-profile-v3__hero-grid { display: grid; grid-template-columns: minmax(430px, .84fr) minmax(0, 1.16fr); gap: clamp(56px, 8vw, 120px); align-items: center; }
.mlo-profile-v3__portrait { position: relative; min-height: 650px; }
.mlo-profile-v3__portrait-shape { position: absolute; inset: 30px 20px 0 44px; border-radius: 48% 48% 28px 28px; background: var(--ink); }
.mlo-profile-v3__portrait > img { position: absolute; z-index: 2; inset: 0 0 0 0; width: 100%; height: 100%; object-fit: cover; object-position: top center; border-radius: 30px 30px 150px 30px; filter: saturate(.92); }
.mlo-profile-v3__portrait-card { position: absolute; z-index: 4; right: -25px; bottom: 40px; display: grid; grid-template-columns: 46px 1fr; gap: 13px; align-items: center; width: min(330px, calc(100% - 24px)); padding: 17px; border: 1px solid rgba(255,255,255,.65); border-radius: 19px; background: rgba(255,255,255,.94); box-shadow: var(--shadow); backdrop-filter: blur(15px); }
.mlo-profile-v3__portrait-card > span { display: grid; width: 46px; height: 46px; place-items: center; border-radius: 14px; color: var(--white); background: var(--ink); font-size: .65rem; font-weight: 850; }
.mlo-profile-v3__portrait-card small,
.mlo-profile-v3__portrait-card strong { display: block; }
.mlo-profile-v3__portrait-card small { color: var(--muted); font-size: .59rem; }
.mlo-profile-v3__portrait-card strong { margin-top: 3px; font-size: .75rem; line-height: 1.32; }
.mlo-profile-v3__intro h1 { max-width: 780px; font-size: clamp(4rem, 6vw, 6.8rem); }
.mlo-profile-v3__intro h1 em { display: block; color: #504d5d; font-style: normal; }
.mlo-profile-v3__role { margin-top: 24px; color: var(--ink-3); font-size: .76rem; font-weight: 750; letter-spacing: .03em; text-transform: uppercase; }
.mlo-profile-v3__role span { padding: 0 7px; color: var(--line-strong); }
.mlo-profile-v3__bio { max-width: 700px; margin-top: 22px; font-size: clamp(1rem, 1.45vw, 1.2rem); line-height: 1.65; }
.mlo-profile-v3__actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 33px; }
.mlo-profile-v3__contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-top: 33px; }
.mlo-profile-v3__contact-grid > a { display: grid; grid-template-columns: 38px 1fr; gap: 12px; align-items: center; min-width: 0; padding: 16px; border: 1px solid var(--line); border-radius: 17px; background: var(--white); }
.mlo-profile-v3__contact-grid > a > span { display: grid; width: 36px; height: 36px; place-items: center; border-radius: 12px; color: var(--white); background: var(--ink); font-size: .58rem; font-weight: 850; }
.mlo-profile-v3__contact-grid small,
.mlo-profile-v3__contact-grid strong { display: block; overflow-wrap: anywhere; }
.mlo-profile-v3__contact-grid small { color: var(--muted); font-size: .58rem; }
.mlo-profile-v3__contact-grid strong { margin-top: 2px; font-size: .68rem; }
.mlo-profile-v3__assurances { display: flex; flex-wrap: wrap; gap: 10px 18px; margin-top: 23px; color: var(--muted); font-size: .64rem; }
.mlo-profile-v3__assurances span { display: inline-flex; align-items: center; gap: 7px; }
.mlo-profile-v3__assurances i { display: grid; width: 18px; height: 18px; place-items: center; border-radius: 50%; color: var(--white); background: var(--ink); font-size: .5rem; font-style: normal; }
.mlo-profile-v3__quick-start { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--white); }
.mlo-profile-v3__quick-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.mlo-profile-v3__quick-grid > a { position: relative; min-height: 168px; padding: 30px 65px 30px 31px; border-right: 1px solid var(--line); }
.mlo-profile-v3__quick-grid > a:first-child { border-left: 1px solid var(--line); }
.mlo-profile-v3__quick-grid > a:hover { background: var(--soft); }
.mlo-profile-v3__quick-grid span,
.mlo-profile-v3__quick-grid strong,
.mlo-profile-v3__quick-grid small { display: block; }
.mlo-profile-v3__quick-grid span { color: var(--muted); font-size: .59rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.mlo-profile-v3__quick-grid strong { margin-top: 11px; font-size: 1rem; line-height: 1.25; }
.mlo-profile-v3__quick-grid small { margin-top: 8px; color: var(--muted); font-size: .63rem; line-height: 1.4; }
.mlo-profile-v3__quick-grid b { position: absolute; top: 30px; right: 28px; display: grid; width: 36px; height: 36px; place-items: center; border-radius: 50%; color: var(--white); background: var(--ink); font-size: .8rem; transition: transform .2s ease; }
.mlo-profile-v3__quick-grid > a:hover b { transform: rotate(45deg); }
.mlo-profile-v3__about { background: var(--white); }
.mlo-profile-v3__about-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) 420px; gap: clamp(65px, 8vw, 120px); align-items: start; }
.mlo-profile-v3__about h2 { max-width: 840px; }
.mlo-profile-v3__about-grid > div > p { max-width: 760px; margin-top: 24px; font-size: 1rem; }
.mlo-profile-v3__credentials { display: grid; grid-template-columns: 1fr 1fr; gap: 13px; margin-top: 38px; }
.mlo-profile-v3__credentials article { padding: 24px; border: 1px solid var(--line); border-radius: 20px; background: var(--soft); }
.mlo-profile-v3__credentials small,
.mlo-profile-v3__credentials strong,
.mlo-profile-v3__credentials span { display: block; }
.mlo-profile-v3__credentials small { color: var(--muted); font-size: .58rem; font-weight: 800; letter-spacing: .07em; text-transform: uppercase; }
.mlo-profile-v3__credentials strong { margin-top: 12px; font-size: .82rem; line-height: 1.45; }
.mlo-profile-v3__credentials span { margin-top: 9px; color: var(--muted); font-size: .61rem; line-height: 1.48; }
.mlo-profile-v3__apply-card { position: sticky; top: 145px; padding: 27px; border-radius: 25px; color: var(--white); background: var(--ink); box-shadow: var(--shadow); }
.mlo-profile-v3__apply-card-top { display: grid; grid-template-columns: 48px 1fr; gap: 13px; align-items: center; }
.mlo-profile-v3__mini-avatar { display: grid; width: 48px; height: 48px; place-items: center; border-radius: 15px; color: var(--ink); background: var(--white); font-size: .65rem; font-weight: 850; }
.mlo-profile-v3__apply-card small,
.mlo-profile-v3__apply-card strong { display: block; }
.mlo-profile-v3__apply-card-top small { color: rgba(255,255,255,.55); font-size: .58rem; }
.mlo-profile-v3__apply-card-top strong { margin-top: 3px; color: var(--white); font-size: .82rem; }
.mlo-profile-v3__apply-card ol { margin: 25px 0; padding: 0; list-style: none; }
.mlo-profile-v3__apply-card li { display: grid; grid-template-columns: 33px 1fr; gap: 11px; padding: 16px 0; border-top: 1px solid rgba(255,255,255,.13); }
.mlo-profile-v3__apply-card li:last-child { border-bottom: 1px solid rgba(255,255,255,.13); }
.mlo-profile-v3__apply-card li > span { display: grid; width: 31px; height: 31px; place-items: center; border: 1px solid rgba(255,255,255,.34); border-radius: 50%; font-size: .57rem; font-weight: 800; }
.mlo-profile-v3__apply-card li strong { color: var(--white); font-size: .69rem; }
.mlo-profile-v3__apply-card li small { margin-top: 3px; color: rgba(255,255,255,.5); font-size: .59rem; line-height: 1.42; }
.mlo-profile-v3__apply-card .button { width: 100%; color: var(--ink); background: var(--white); box-shadow: none; }
.mlo-profile-v3__apply-call { display: block; margin-top: 15px; color: rgba(255,255,255,.7); font-size: .62rem; text-align: center; }
.mlo-calculator-v3 { background: var(--soft); }
.mlo-calculator-v3__panel { display: grid; grid-template-columns: 1fr 1fr; overflow: hidden; border: 1px solid var(--line); border-radius: 31px; background: var(--white); box-shadow: var(--shadow-card); }
.mlo-calculator-v3__visual { position: relative; min-height: 680px; overflow: hidden; background: var(--ink); }
.mlo-calculator-v3__visual picture,
.mlo-calculator-v3__visual img { position: absolute; inset: 0; width: 100%; height: 100%; }
.mlo-calculator-v3__visual img { object-fit: cover; }
.mlo-calculator-v3__shade { position: absolute; inset: 0; background: linear-gradient(180deg, rgba(32,31,47,.04), rgba(32,31,47,.78)); }
.mlo-calculator-v3__visual > div { position: absolute; z-index: 2; right: 40px; bottom: 38px; left: 40px; padding: 24px; border: 1px solid rgba(255,255,255,.25); border-radius: 21px; color: var(--white); background: rgba(32,31,47,.72); backdrop-filter: blur(12px); }
.mlo-calculator-v3__visual small,
.mlo-calculator-v3__visual strong,
.mlo-calculator-v3__visual span { display: block; }
.mlo-calculator-v3__visual small { color: rgba(255,255,255,.57); font-size: .61rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.mlo-calculator-v3__visual strong { margin-top: 7px; color: var(--white); font-size: clamp(2.6rem, 4.2vw, 4.3rem); line-height: 1; letter-spacing: -.065em; }
.mlo-calculator-v3__visual span { margin-top: 7px; color: rgba(255,255,255,.62); font-size: .64rem; }
.mlo-calculator-v3__form { padding: clamp(42px, 5vw, 70px); }
.mlo-calculator-v3__form h2 { margin-top: 8px; font-size: clamp(2.5rem, 4vw, 4.1rem); }
.mlo-calculator-v3__form > p { margin-top: 18px; font-size: .76rem; }
.mlo-calculator-v3__form form { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; margin-top: 30px; }
.mlo-calculator-v3__form label > span:first-child { display: block; margin-bottom: 8px; color: var(--ink-3); font-size: .61rem; font-weight: 750; }
.mlo-calculator-v3__form input,
.mlo-calculator-v3__form select { width: 100%; min-height: 53px; padding: 0 15px; border: 1px solid var(--line-strong); border-radius: 14px; color: var(--ink); background: var(--white); font: inherit; font-size: .74rem; }
.mlo-calculator-v3__form .input-suffix { position: relative; display: block; }
.mlo-calculator-v3__form .input-suffix input { padding-right: 40px; }
.mlo-calculator-v3__form .input-suffix b { position: absolute; top: 50%; right: 15px; color: var(--muted); font-size: .7rem; transform: translateY(-50%); }
.mlo-calculator-v3__result { display: flex; align-items: end; justify-content: space-between; gap: 20px; margin: 26px 0 20px; padding: 20px; border-radius: 17px; background: var(--soft); }
.mlo-calculator-v3__result span { color: var(--muted); font-size: .62rem; }
.mlo-calculator-v3__result strong { font-size: 1.7rem; letter-spacing: -.05em; }
.mlo-calculator-v3__form > .button { width: 100%; }
.mlo-profile-v3__specialties { background: var(--white); }
.mlo-profile-v3__specialty-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.mlo-profile-v3__specialty-grid article { min-height: 245px; padding: 27px; border: 1px solid var(--line); border-radius: 22px; background: var(--white); }
.mlo-profile-v3__specialty-grid span { display: grid; width: 39px; height: 39px; place-items: center; border-radius: 12px; color: var(--white); background: var(--ink); font-size: .59rem; font-weight: 850; }
.mlo-profile-v3__specialty-grid h3 { margin-top: 42px; font-size: 1.35rem; }
.mlo-profile-v3__specialty-grid p { margin-top: 10px; font-size: .66rem; line-height: 1.5; }
.mlo-profile-v3__resources { background: var(--soft); }
.mlo-profile-v3__resource-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.mlo-profile-v3__resource-grid > a { position: relative; min-height: 285px; padding: 28px 65px 28px 28px; border: 1px solid var(--line); border-radius: 22px; background: var(--white); transition: transform .25s ease, box-shadow .25s ease; }
.mlo-profile-v3__resource-grid > a:hover { transform: translateY(-4px); box-shadow: var(--shadow-card); }
.mlo-profile-v3__resource-grid small,
.mlo-profile-v3__resource-grid strong,
.mlo-profile-v3__resource-grid span { display: block; }
.mlo-profile-v3__resource-grid small { color: var(--muted); font-size: .59rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.mlo-profile-v3__resource-grid strong { margin-top: 45px; font-family: var(--font-display); font-size: 1.65rem; line-height: 1.06; letter-spacing: -.045em; }
.mlo-profile-v3__resource-grid span { margin-top: 12px; color: var(--muted); font-size: .67rem; line-height: 1.5; }
.mlo-profile-v3__resource-grid b { position: absolute; top: 25px; right: 25px; display: grid; width: 37px; height: 37px; place-items: center; border-radius: 50%; color: var(--white); background: var(--ink); font-size: .82rem; }
.mlo-profile-v3__final { padding: 0 0 clamp(80px, 9vw, 125px); background: var(--soft); }
.mlo-profile-v3__final-panel { display: grid; grid-template-columns: 1fr auto; gap: 55px; align-items: center; padding: clamp(42px, 5vw, 68px); border-radius: 31px; color: var(--white); background: var(--ink); }
.mlo-profile-v3__final-panel h2 { max-width: 820px; color: var(--white); }
.mlo-profile-v3__final-panel p { max-width: 650px; margin-top: 18px; color: rgba(255,255,255,.63); }
.mlo-profile-v3__final-panel > div:last-child { display: flex; flex-direction: column; gap: 10px; min-width: 235px; }

/* MLO directory */
.mlo-directory-v3 { background: var(--white); }
.mlo-directory-v3__value-strip { border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); background: var(--white); }
.mlo-directory-v3__value-strip .shell { display: grid; grid-template-columns: repeat(3, 1fr); }
.mlo-directory-v3__value-strip .shell > div { display: grid; grid-template-columns: 42px 1fr; gap: 13px; align-items: center; min-height: 130px; padding: 24px 31px; border-right: 1px solid var(--line); }
.mlo-directory-v3__value-strip .shell > div:first-child { border-left: 1px solid var(--line); }
.mlo-directory-v3__value-strip span { display: grid; width: 40px; height: 40px; place-items: center; border-radius: 13px; color: var(--white); background: var(--ink); font-size: .61rem; font-weight: 850; }
.mlo-directory-v3__value-strip strong,
.mlo-directory-v3__value-strip small { display: block; }
.mlo-directory-v3__value-strip strong { font-size: .78rem; }
.mlo-directory-v3__value-strip small { margin-top: 4px; color: var(--muted); font-size: .61rem; }
.mlo-directory-v3__grid { display: grid; gap: 22px; }
.mlo-directory-v3__card { display: grid; grid-template-columns: minmax(360px, .72fr) minmax(0, 1.28fr); min-height: 610px; overflow: hidden; border: 1px solid var(--line); border-radius: 30px; background: var(--white); box-shadow: var(--shadow-card); }
.mlo-directory-v3__photo { position: relative; min-height: 610px; overflow: hidden; background: var(--soft); }
.mlo-directory-v3__photo img { width: 100%; height: 100%; object-fit: cover; object-position: top center; }
.mlo-directory-v3__photo::after { position: absolute; inset: 0; background: linear-gradient(180deg, transparent 55%, rgba(32,31,47,.55)); content: ""; }
.mlo-directory-v3__photo > span { position: absolute; z-index: 2; right: 22px; bottom: 22px; left: 22px; padding: 12px 15px; border: 1px solid rgba(255,255,255,.42); border-radius: 15px; color: var(--white); background: rgba(32,31,47,.72); font-size: .61rem; font-weight: 750; text-align: center; backdrop-filter: blur(10px); }
.mlo-directory-v3__content { display: flex; flex-direction: column; justify-content: center; padding: clamp(42px, 6vw, 84px); }
.mlo-directory-v3__content > small { color: var(--muted); font-size: .62rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.mlo-directory-v3__content h2 { margin-top: 8px; font-size: clamp(3rem, 4.7vw, 5.4rem); }
.mlo-directory-v3__credential { margin-top: 12px; color: var(--ink-3); font-size: .67rem; font-weight: 750; text-transform: uppercase; }
.mlo-directory-v3__content > p:not(.mlo-directory-v3__credential) { max-width: 680px; margin-top: 24px; font-size: .92rem; }
.mlo-directory-v3__tags { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 28px; }
.mlo-directory-v3__tags span { padding: 9px 12px; border-radius: 999px; color: var(--ink-3); background: var(--soft); font-size: .61rem; font-weight: 700; }
.mlo-directory-v3__actions { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 34px; }
.mlo-directory-v3__why { padding-top: 0; background: var(--white); }
.mlo-directory-v3__why-panel { display: grid; grid-template-columns: .85fr 1.15fr; gap: clamp(55px, 7vw, 100px); padding: clamp(48px, 6vw, 80px); border-radius: 34px; color: var(--white); background: var(--ink); }
.mlo-directory-v3__why-panel h2 { color: var(--white); }
.mlo-directory-v3__why-panel > div:first-child > p { margin: 23px 0 31px; color: rgba(255,255,255,.63); }
.mlo-directory-v3__why-grid { display: grid; grid-template-columns: 1fr 1fr; border-top: 1px solid rgba(255,255,255,.14); border-left: 1px solid rgba(255,255,255,.14); }
.mlo-directory-v3__why-grid article { min-height: 225px; padding: 25px; border-right: 1px solid rgba(255,255,255,.14); border-bottom: 1px solid rgba(255,255,255,.14); }
.mlo-directory-v3__why-grid span { color: rgba(255,255,255,.48); font-size: .57rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.mlo-directory-v3__why-grid h3 { margin-top: 42px; color: var(--white); font-size: 1.2rem; }
.mlo-directory-v3__why-grid p { margin-top: 9px; color: rgba(255,255,255,.55); font-size: .63rem; line-height: 1.5; }

/* Licensing */
.licensing-page-v3 { background: var(--white); }
.licensing-page-v3__hero { padding: clamp(70px, 8vw, 118px) 0; background: var(--soft); }
.licensing-page-v3__hero-grid { display: grid; grid-template-columns: minmax(0, 1.15fr) 420px; gap: clamp(60px, 9vw, 130px); align-items: center; }
.licensing-page-v3__hero h1 { max-width: 900px; }
.licensing-page-v3__hero-grid > div:first-child > p { max-width: 750px; margin-top: 25px; font-size: 1.05rem; }
.licensing-page-v3__hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 33px; }
.licensing-page-v3__company-card { padding: 32px; border: 1px solid var(--line); border-radius: 27px; background: var(--white); box-shadow: var(--shadow-card); }
.licensing-page-v3__company-mark { display: inline-block; font-family: var(--font-display); font-size: 2.7rem; font-weight: 900; letter-spacing: -.09em; }
.licensing-page-v3__company-card > small,
.licensing-page-v3__company-card > strong,
.licensing-page-v3__company-card > p { display: block; }
.licensing-page-v3__company-card > small { margin-top: 35px; color: var(--muted); font-size: .59rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.licensing-page-v3__company-card > strong { margin-top: 7px; font-size: 1.6rem; }
.licensing-page-v3__company-card > p { margin-top: 4px; font-size: .69rem; }
.licensing-page-v3__company-card dl { margin: 26px 0 0; }
.licensing-page-v3__company-card dl div { display: flex; justify-content: space-between; gap: 20px; padding: 13px 0; border-top: 1px solid var(--line); }
.licensing-page-v3__company-card dt { color: var(--muted); font-size: .63rem; }
.licensing-page-v3__company-card dd { margin: 0; font-size: .65rem; font-weight: 750; text-align: right; }
.licensing-map-page { background: var(--white); }
.license-v3__board--page { grid-template-columns: 360px minmax(0,1fr); }
.license-v3__map-wrap--page { min-height: 730px; }
.licensing-status-v3 { background: var(--soft); }
.licensing-status-v3__grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 17px; }
.licensing-status-v3__card { display: flex; min-height: 365px; flex-direction: column; padding: 27px; border: 1px solid var(--line); border-radius: 23px; background: var(--white); }
.licensing-status-v3__card-head { display: grid; grid-template-columns: 48px 1fr; gap: 13px; align-items: center; }
.licensing-status-v3__card-head > span { display: grid; width: 46px; height: 46px; place-items: center; border-radius: 14px; color: var(--white); background: var(--ink); font-size: .65rem; font-weight: 850; }
.licensing-status-v3__card--pending .licensing-status-v3__card-head > span { color: var(--ink); border: 1px solid var(--line-strong); background: var(--soft); }
.licensing-status-v3__card--unavailable .licensing-status-v3__card-head > span { color: var(--muted); background: var(--status-unavailable); }
.licensing-status-v3__card-head small,
.licensing-status-v3__card-head strong { display: block; }
.licensing-status-v3__card-head small { color: var(--muted); font-size: .57rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.licensing-status-v3__card-head strong { margin-top: 3px; font-size: .82rem; }
.licensing-status-v3__card h3 { margin-top: 42px; font-size: 1.35rem; line-height: 1.15; }
.licensing-status-v3__card > p { margin-top: 13px; font-size: .68rem; line-height: 1.55; }
.licensing-status-v3__card > a { display: flex; justify-content: space-between; gap: 15px; margin-top: auto; padding-top: 21px; border-top: 1px solid var(--line); font-size: .68rem; font-weight: 800; }
.licensing-disclosure-v3 { padding-top: 0; background: var(--soft); }
.licensing-disclosure-v3__panel { display: grid; grid-template-columns: .8fr 1.2fr; gap: clamp(55px, 8vw, 110px); padding: clamp(48px, 6vw, 82px); border-radius: 34px; color: var(--white); background: var(--ink); }
.licensing-disclosure-v3__panel h2 { color: var(--white); }
.licensing-disclosure-v3__copy p { color: rgba(255,255,255,.63); font-size: .74rem; line-height: 1.65; }
.licensing-disclosure-v3__copy p + p { margin-top: 18px; }
.licensing-disclosure-v3__copy strong { color: var(--white); }
.licensing-disclosure-v3__copy .button { margin-top: 28px; }

@media (max-width: 1180px) {
  .product-library-v3__grid { grid-template-columns: repeat(3, minmax(0, 1fr)); }
  .loan-choice-framework__grid { grid-template-columns: 1fr 1fr; }
  .loan-choice-framework__grid article:nth-child(2) { border-right: 0; }
  .loan-choice-framework__grid article:nth-child(-n+2) { border-bottom: 1px solid rgba(255,255,255,.14); }
  .mlo-profile-v3__hero-grid { grid-template-columns: minmax(390px, .82fr) minmax(0, 1.18fr); gap: 65px; }
  .mlo-profile-v3__portrait { min-height: 590px; }
  .mlo-profile-v3__about-grid { grid-template-columns: minmax(0, 1fr) 380px; gap: 55px; }
  .license-v3__board--page { grid-template-columns: 330px minmax(0, 1fr); }
}

@media (max-width: 980px) {
  .loan-situation-bar__grid { grid-template-columns: 1fr; }
  .loan-situation-bar__grid > a,
  .loan-situation-bar__grid > a:first-child { min-height: 105px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); border-left: 1px solid var(--line); }
  .loan-situation-bar__grid > a:last-child { border-bottom: 0; }
  .product-library-v3__grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .loan-choice-framework__panel > div:first-child { grid-template-columns: 1fr; gap: 18px; }
  .mlo-profile-v3__hero-grid,
  .mlo-profile-v3__about-grid,
  .mlo-calculator-v3__panel,
  .mlo-directory-v3__card,
  .mlo-directory-v3__why-panel,
  .licensing-page-v3__hero-grid,
  .licensing-disclosure-v3__panel { grid-template-columns: 1fr; }
  .mlo-profile-v3__portrait { width: min(100%, 650px); min-height: 680px; margin: 0 auto; }
  .mlo-profile-v3__portrait-card { right: 10px; }
  .mlo-profile-v3__intro { max-width: 800px; }
  .mlo-profile-v3__apply-card { position: static; }
  .mlo-calculator-v3__visual { min-height: 560px; }
  .mlo-profile-v3__specialty-grid,
  .mlo-profile-v3__resource-grid,
  .licensing-status-v3__grid { grid-template-columns: 1fr 1fr; }
  .mlo-profile-v3__final-panel { grid-template-columns: 1fr; }
  .mlo-profile-v3__final-panel > div:last-child { width: min(100%, 520px); flex-direction: row; }
  .mlo-profile-v3__final-panel > div:last-child .button { flex: 1; }
  .mlo-directory-v3__photo { min-height: 560px; }
  .mlo-directory-v3__content { min-height: 500px; }
  .mlo-directory-v3__why-grid { min-height: 0; }
  .licensing-page-v3__company-card { width: min(100%, 560px); }
  .license-v3__board--page { grid-template-columns: 1fr; }
  .license-v3__map-wrap--page { min-height: 610px; }
}

@media (max-width: 720px) {
  .comparison-tabs--page { flex-wrap: nowrap; justify-content: flex-start; overflow-x: auto; padding-bottom: 5px; scrollbar-width: thin; }
  .comparison-tabs--page button { flex: 0 0 auto; }
  .product-library-v3__grid,
  .loan-choice-framework__grid,
  .mlo-profile-v3__quick-grid,
  .mlo-profile-v3__credentials,
  .mlo-profile-v3__specialty-grid,
  .mlo-profile-v3__resource-grid,
  .mlo-directory-v3__value-strip .shell,
  .mlo-directory-v3__why-grid,
  .licensing-status-v3__grid { grid-template-columns: 1fr; }
  .product-library-card { min-height: 355px; }
  .loan-choice-framework__panel { width: 100%; border-radius: 0; }
  .loan-choice-framework__grid article,
  .loan-choice-framework__grid article:nth-child(2) { min-height: 215px; border-right: 0; border-bottom: 1px solid rgba(255,255,255,.14); }
  .loan-choice-framework__grid article:last-child { border-bottom: 0; }
  .loan-choice-framework__grid h3 { margin-top: 35px; }
  .loan-choice-framework__actions { flex-direction: column; }
  .loan-choice-framework__actions .button { width: 100%; }
  .mlo-profile-v3__hero { padding-top: 45px; }
  .mlo-profile-v3__portrait { min-height: 535px; }
  .mlo-profile-v3__portrait-shape { inset: 24px 15px 0 28px; }
  .mlo-profile-v3__portrait > img { border-radius: 25px 25px 100px 25px; }
  .mlo-profile-v3__portrait-card { right: 0; bottom: 20px; width: 270px; }
  .mlo-profile-v3__intro h1 { font-size: clamp(3.5rem, 15vw, 5rem); }
  .mlo-profile-v3__actions { flex-direction: column; }
  .mlo-profile-v3__actions .button { width: 100%; }
  .mlo-profile-v3__contact-grid { grid-template-columns: 1fr; }
  .mlo-profile-v3__quick-grid > a,
  .mlo-profile-v3__quick-grid > a:first-child { min-height: 135px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); border-left: 1px solid var(--line); }
  .mlo-profile-v3__quick-grid > a:last-child { border-bottom: 0; }
  .mlo-calculator-v3__panel { width: 100%; border-right: 0; border-left: 0; border-radius: 0; }
  .mlo-calculator-v3__visual { min-height: 440px; }
  .mlo-calculator-v3__visual > div { right: 22px; bottom: 22px; left: 22px; }
  .mlo-calculator-v3__form { padding: 38px 22px; }
  .mlo-calculator-v3__form form { grid-template-columns: 1fr; }
  .mlo-profile-v3__specialty-grid article { min-height: 215px; }
  .mlo-profile-v3__final { background: var(--ink); }
  .mlo-profile-v3__final-panel { width: 100%; padding: 58px 24px 90px; border-radius: 0; }
  .mlo-profile-v3__final-panel > div:last-child { flex-direction: column; }
  .mlo-directory-v3__value-strip .shell > div,
  .mlo-directory-v3__value-strip .shell > div:first-child { min-height: 100px; border-right: 1px solid var(--line); border-bottom: 1px solid var(--line); border-left: 1px solid var(--line); }
  .mlo-directory-v3__value-strip .shell > div:last-child { border-bottom: 0; }
  .mlo-directory-v3__card { border-radius: 24px; }
  .mlo-directory-v3__photo { min-height: 480px; }
  .mlo-directory-v3__content { min-height: 0; padding: 37px 24px 42px; }
  .mlo-directory-v3__content h2 { font-size: 3.4rem; }
  .mlo-directory-v3__actions { flex-direction: column; }
  .mlo-directory-v3__actions .button { width: 100%; }
  .mlo-directory-v3__why { padding-bottom: 0; background: var(--ink); }
  .mlo-directory-v3__why-panel { width: 100%; padding: 55px 24px 90px; border-radius: 0; }
  .mlo-directory-v3__why-grid article { min-height: 200px; }
  .licensing-page-v3__hero-actions { flex-direction: column; }
  .licensing-page-v3__hero-actions .button { width: 100%; }
  .licensing-page-v3__company-card { padding: 25px; }
  .license-v3__map-wrap--page { min-height: 410px; }
  .licensing-disclosure-v3 { padding-bottom: 0; background: var(--ink); }
  .licensing-disclosure-v3__panel { width: 100%; padding: 55px 24px 90px; border-radius: 0; }
}

@media (max-width: 430px) {
  .mlo-profile-v3__portrait { min-height: 455px; }
  .mlo-profile-v3__portrait-card { width: 245px; padding: 13px; }
  .mlo-profile-v3__portrait-card > span { width: 40px; height: 40px; }
  .mlo-calculator-v3__result { align-items: flex-start; flex-direction: column; }
  .mlo-directory-v3__photo { min-height: 410px; }
}

/* Final HMCO brand guard: charcoal-purple, white and cool gray only. */
:root {
  --ink: #201f2f;
  --ink-2: #343244;
  --ink-3: #4c495a;
  --muted: #6d6a77;
  --accent: #201f2f;
  --accent-dark: #12111c;
  --accent-soft: #eeedf2;
  --lavender: #e4e2e9;
  --cream: #ffffff;
  --paper: #f8f8fa;
  --sky: #f3f3f6;
  --lime: #ffffff;
  --lime-dark: #f1f0f4;
  --soft: #f5f5f7;
  --warm: #f5f5f7;
  --warm-2: #ecebf0;
  --white: #ffffff;
  --line: #e2e1e6;
  --line-strong: #cbc9d1;
  --status-licensed: #201f2f;
  --status-pending: #8a8494;
  --status-unavailable: #e6e5ea;
}

.section-kicker > span,
.eyebrow > span,
.primary-nav a::after { background: var(--ink); }
.hmco-hero__intro h1 em,
.internal-hero h1 em,
.mlo-profile-v3__intro h1 em { color: #504d5d; }
.button--accent,
.button--primary,
.button--dark { color: var(--white); background: var(--ink); }
.button--accent:hover,
.button--primary:hover,
.button--dark:hover { color: var(--white); background: var(--accent-dark); }

/* Map-first service area layout inspired by a clean state-coverage presentation. */
.license-v3__board,
.license-v3__board--page { grid-template-columns: minmax(0, 1fr) 360px; gap: 22px; }
.license-v3__map-wrap,
.license-v3__map-wrap--page { grid-column: 1; grid-row: 1; min-height: 620px; background: var(--soft); }
.license-v3__summary { grid-column: 2; grid-row: 1; }
.license-v3__counts > div { background: var(--soft); }
.license-v3__counts > div:last-child { background: #ecebf0; }
.license-v3__state-buttons button.is-selected { border-color: var(--ink); box-shadow: inset 0 0 0 1px var(--ink); }
.license-v3__state-buttons button > span { color: var(--white); background: var(--ink); }
.license-v3__state-buttons button[data-state="NY"] > span { color: var(--ink); border: 1px solid var(--line-strong); background: var(--white); }
.license-v3__legend .is-pending { border-color: var(--status-pending); background: #f2f1f4; }
.status-pill--pending { color: var(--ink); background: #e9e7ed; }
.state-map__state--unavailable { fill: var(--status-unavailable); }
.state-map__state--licensed { fill: var(--ink); }
.state-map__state--pending { fill: #f3f2f5; stroke: var(--status-pending); stroke-width: 3; stroke-dasharray: 5 4; }
.state-map__state--licensed:hover,
.state-map__state--licensed.is-selected { fill: var(--accent-dark); }
.state-map__state--pending:hover,
.state-map__state--pending.is-selected { fill: #dfdde5; }
.state-map__marker--licensed circle { fill: var(--ink); }
.state-map__marker--pending circle { fill: var(--white); stroke: var(--status-pending); }
.state-map__marker--licensed text { fill: var(--white); }
.state-map__marker--pending text { fill: var(--ink); }

.comparison-tabs button.is-active,
.comparison-tabs--page button.is-active { border-color: var(--ink); color: var(--white); background: var(--ink); }
.comparison-product__type,
.comparison-product:nth-child(3) .comparison-product__type { color: var(--white); background: var(--ink); }

@media (max-width: 980px) {
  .license-v3__board,
  .license-v3__board--page { grid-template-columns: 1fr; }
  .license-v3__map-wrap,
  .license-v3__map-wrap--page { grid-column: 1; grid-row: 1; min-height: 560px; }
  .license-v3__summary { grid-column: 1; grid-row: 2; }
}

@media (max-width: 720px) {
  .license-v3__map-wrap,
  .license-v3__map-wrap--page { min-height: 365px; padding: 12px; }
  .license-v3__summary { display: block; }
  .license-v3__state-buttons { grid-template-columns: 1fr; }
}