/* Homestead. Harbor Navy, Sand, Marigold. Shared by every page. */
:root {
  --navy: #0B2E5C;
  --navy-d: #08234A;
  --navy-dark: #08234A;
  --sky: #8FBCE6;
  --sky-l: #DCEAF7;
  --sand: #F7F2E8;
  --linen: #ECE3D0;
  --line: #E2D8C3;
  --mari: #E9A23B;
  --mari-l: #FCEBCB;
  --text: #172033;
  --muted: #5D6573;
  --ok: #1F7A55;
  --ok-bg: #DFF1E7;
  --pd: #9C5B0E;
  --pd-bg: #FCEBCB;
  --teal: #0B2E5C;
  --teal-light: #8FBCE6;
  --teal-dark: #1F7A55;
  --teal-pale: #DFF1E7;
  --slate: #5D6573;
  --slate-light: #8A8172;
  --off-white: #F7F2E8;
  --white: #fff;
  --border: #E2D8C3;
  --amber: #E9A23B;
  --amber-pale: #FCEBCB;
  --amber-dark: #9C5B0E;
  --red: #8C3A2F;
  --red-pale: #F8E6E0;
}

* { box-sizing: border-box; }
[hidden] { display: none !important; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  background: var(--sand);
  color: var(--text);
  font: 16px/1.55 "Schibsted Grotesk", system-ui, sans-serif;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; height: auto; }
a { color: var(--navy); }
a:hover { color: #164a8a; }
.mono, pre, code { font-family: "Spline Sans Mono", ui-monospace, monospace; }
.wrap { width: min(1216px, calc(100% - 40px)); margin: 0 auto; }
.wrap:has(table) { overflow-x: auto; }
.skip-link {
  position: absolute;
  top: -100%;
  left: 16px;
  padding: 8px 16px;
  background: var(--navy);
  color: #fff;
  font-weight: 600;
  border-radius: 0 0 8px 8px;
  z-index: 9999;
  text-decoration: none;
}
.skip-link:focus { top: 0; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  height: 44px;
  padding: 0 22px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 15px;
  text-decoration: none;
  border: 0;
  cursor: pointer;
  font-family: inherit;
}
.btn.nv { background: var(--navy); color: #fff; }
.btn.tx { color: var(--navy); background: transparent; }
.btn.mg { background: var(--mari); color: var(--navy-d); }
.btn.ow { border: 1.5px solid rgba(255, 255, 255, 0.35); color: #fff; background: transparent; }
.btn.on { border: 1.5px solid #C9BEA7; color: var(--navy); background: #fff; }
.btn:hover { filter: brightness(1.05); }

.site-nav {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(247, 242, 232, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid transparent;
}
.site-nav .wrap { display: flex; align-items: center; height: 80px; gap: 28px; }
.site-nav .logo { display: flex; align-items: center; flex: none; }
.site-nav .logo img { height: 42px; width: auto; }
.site-nav ul.links { display: flex; gap: 26px; list-style: none; margin: 0 0 0 8px; padding: 0; font-weight: 500; color: #2A3448; }
.site-nav ul.links a, .site-nav ul.links button {
  color: inherit;
  text-decoration: none;
  background: none;
  border: 0;
  font: inherit;
  font-weight: 500;
  cursor: pointer;
  padding: 0;
}
.site-nav .r { margin-left: auto; display: flex; gap: 8px; align-items: center; }
.nav-toggle { display: none; margin-left: auto; background: none; border: 1px solid var(--line); border-radius: 999px; height: 40px; padding: 0 14px; font: inherit; font-weight: 600; color: var(--navy); }
.mn-wrap { position: relative; }
.mn-panel {
  display: none;
  position: absolute;
  top: calc(100% + 12px);
  left: 0;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
  box-shadow: 0 18px 40px -24px rgba(11, 46, 92, 0.45);
  padding: 12px;
  min-width: 280px;
  z-index: 200;
}
.mn-panel a { display: block; padding: 8px 10px; border-radius: 8px; text-decoration: none; color: var(--navy); font-size: 14px; font-weight: 500; }
.mn-panel a:hover { background: var(--sand); }
.mn-panel .all { display: block; margin-top: 6px; padding-top: 8px; border-top: 1px solid var(--line); font-weight: 700; }

.bdg {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  font-size: 12.5px;
  font-weight: 700;
  padding: 5px 11px 5px 7px;
  border-radius: 999px;
  white-space: nowrap;
  line-height: 1;
}
.bdg.ok { background: var(--ok-bg); color: var(--ok); }
.bdg.pd { background: var(--pd-bg); color: var(--pd); }
.bdg i { width: 16px; height: 16px; border-radius: 50%; display: grid; place-items: center; }
.bdg.ok i { background: var(--ok); }
.bdg.pd i { background: var(--mari); }
.bdg.defunct { background: var(--red-pale); color: var(--red); }
.checked { font-size: 13px; color: var(--muted); font-weight: 500; }

.hero .wrap { display: grid; grid-template-columns: minmax(0, 1fr) 560px; gap: 56px; padding: 36px 0 64px; align-items: center; }
h1.display { font-size: 62px; line-height: 1.03; letter-spacing: -0.035em; font-weight: 800; color: var(--navy); margin: 18px 0 18px; }
h1.display .u { position: relative; white-space: nowrap; }
h1.display .u svg { position: absolute; left: 0; bottom: -12px; width: 100%; height: 16px; }
.lede { font-size: 19px; color: #3B4558; max-width: 540px; margin: 0; }
.roles { display: flex; gap: 4px; margin-top: 28px; background: var(--linen); padding: 4px; border-radius: 999px; width: max-content; max-width: 100%; font-size: 14px; font-weight: 600; color: #4A5468; flex-wrap: wrap; }
.roles a { padding: 7px 16px; border-radius: 999px; text-decoration: none; color: inherit; }
.roles a.on { background: #fff; color: var(--navy); box-shadow: 0 1px 2px rgba(11, 46, 92, 0.12); }
.search {
  margin-top: 14px;
  background: #fff;
  border-radius: 18px;
  min-height: 72px;
  display: flex;
  align-items: center;
  padding: 8px 8px 8px 18px;
  gap: 12px;
  max-width: 100%;
  box-shadow: 0 0 0 1px var(--line), 0 18px 40px -24px rgba(11, 46, 92, 0.45);
}
.search input { flex: 1; border: 0; font: 18px "Schibsted Grotesk", system-ui, sans-serif; color: var(--text); outline: 0; background: none; min-width: 0; }
.search input::placeholder { color: #8B92A0; }
.search .btn { height: 52px; border-radius: 14px; padding: 0 22px; }
.trust { display: flex; gap: 22px; margin-top: 22px; font-size: 14px; color: var(--muted); flex-wrap: wrap; }
.trust b { color: var(--navy); font-size: 16px; font-weight: 700; margin-right: 4px; }
.kick { display: inline-flex; align-items: center; gap: 10px; background: #fff; border: 1px solid var(--line); border-radius: 999px; padding: 6px 14px 6px 6px; font-size: 14px; color: #2A3448; font-weight: 500; }
.kick b { background: var(--navy); color: #fff; border-radius: 999px; padding: 2px 10px; font-size: 12px; font-weight: 600; }

.stage { position: relative; min-height: 560px; background: var(--navy); border-radius: 32px; overflow: hidden; }
.stage .roofs { position: absolute; inset: 0; width: 100%; height: 100%; }
.ccard { position: relative; z-index: 1; margin: 48px 36px 0; background: #fff; border-radius: 20px; box-shadow: 0 30px 60px -20px rgba(3, 15, 35, 0.55); }
.ch { padding: 20px 22px 14px; display: flex; justify-content: space-between; align-items: flex-start; gap: 12px; }
.ch h3 { font-size: 21px; font-weight: 700; color: var(--navy); letter-spacing: -0.015em; line-height: 1.15; margin: 0; }
.ch h3 a { color: inherit; text-decoration: none; }
.ch p { font-size: 13px; color: var(--muted); margin: 3px 0 0; }
.cbody { margin: 0 22px; background: var(--sand); border-radius: 14px; padding: 16px 18px 18px; }
.cbody .l { font-size: 11.5px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: #8A7A57; margin-bottom: 6px; }
.cbody p { margin: 0 0 14px; color: #3B4558; font-size: 14.5px; }
.kv { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 18px; padding: 16px 22px 20px; font-size: 13.5px; }
.kv label { display: block; font-size: 12px; color: var(--muted); }
.kv div { font-weight: 500; }
.pcard { position: relative; z-index: 1; width: min(340px, calc(100% - 48px)); margin: 18px 28px 36px auto; background: #FFFBF2; border-radius: 18px; padding: 16px 18px; box-shadow: 0 24px 50px -18px rgba(3, 15, 35, 0.6); border: 1px solid #F0DDB3; }
.pcard h4 { font-size: 16px; font-weight: 700; color: var(--navy); margin: 10px 0 0; }
.pcard h4 a { color: inherit; text-decoration: none; }
.pcard .mono { font-size: 12.5px; color: #3B4558; margin-top: 4px; }
.pcard p { font-size: 12.5px; color: var(--muted); margin: 8px 0 0; line-height: 1.45; }

.act .wrap { padding: 0 0 72px; }
.act-h { display: flex; align-items: baseline; gap: 16px; margin-bottom: 18px; flex-wrap: wrap; }
.act-h h2 { font-size: 15px; font-weight: 700; color: var(--navy); margin: 0; }
.act-h span { font-size: 14px; color: var(--muted); }
.strip { display: grid; grid-template-columns: repeat(4, 1fr); gap: 12px; list-style: none; margin: 0; padding: 0; }
.strip + .strip { margin-top: 12px; }
.ev { background: #fff; border-radius: 16px; padding: 14px 16px; display: grid; grid-template-columns: 36px 1fr; gap: 2px 12px; align-items: center; box-shadow: 0 0 0 1px var(--line); }
.ev .ic { grid-row: 1 / 3; width: 36px; height: 36px; border-radius: 10px; display: grid; place-items: center; background: var(--sky-l); }
.ev .n { font-weight: 600; font-size: 14.5px; color: var(--navy); }
.ev .n a { color: inherit; text-decoration: none; }
.ev .m { font-size: 12.5px; color: var(--muted); display: flex; gap: 8px; align-items: center; }
.dot { width: 7px; height: 7px; border-radius: 50%; display: inline-block; }

.who { background: #fff; border-top: 1px solid var(--line); border-bottom: 1px solid var(--line); }
.who .wrap { display: grid; grid-template-columns: minmax(0, 420px) minmax(0, 1fr); gap: 64px; padding: 88px 0; }
.who h2, .page-title { font-size: 44px; line-height: 1.05; letter-spacing: -0.03em; font-weight: 800; color: var(--navy); margin: 0; }
.who .l p { margin-top: 18px; color: #3B4558; font-size: 17px; }
.who .l .btn { margin-top: 28px; }
.rl { list-style: none; margin: 0; padding: 0; }
.rl li { display: grid; grid-template-columns: 52px minmax(140px, 220px) 1fr; gap: 18px; align-items: center; padding: 22px 0; border-bottom: 1px solid var(--line); }
.rl li:first-child { border-top: 1px solid var(--line); }
.rl .ri { width: 52px; height: 52px; border-radius: 16px; background: var(--sand); display: grid; place-items: center; }
.rl h3 { font-size: 19px; font-weight: 700; color: var(--navy); margin: 0; }
.rl p { color: var(--muted); font-size: 15px; margin: 0; }

.pricing .wrap { padding: 72px 0 88px; }
.pband { background: var(--navy); border-radius: 32px; padding: 48px; display: grid; grid-template-columns: minmax(0, 300px) minmax(0, 1fr); gap: 40px; color: #fff; }
.pband h2 { color: #fff; font-size: 44px; line-height: 1.05; letter-spacing: -0.03em; font-weight: 800; margin: 0; }
.pband .l p { color: #BFD3EC; margin-top: 14px; }
.tiers { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 14px; }
.t { border-radius: 22px; padding: 24px; background: rgba(255, 255, 255, 0.06); box-shadow: inset 0 0 0 1px rgba(143, 188, 230, 0.22); display: flex; flex-direction: column; }
.t.f { background: #fff; color: var(--text); }
.t .nm { font-weight: 700; font-size: 16px; display: flex; justify-content: space-between; align-items: center; gap: 8px; }
.t .nm em { font-style: normal; font-size: 11.5px; background: var(--mari); color: var(--navy-d); border-radius: 999px; padding: 2px 9px; }
.t .pr { font-size: 46px; font-weight: 800; letter-spacing: -0.04em; margin: 12px 0 0; line-height: 1; }
.t .pr small { font-size: 15px; font-weight: 500; letter-spacing: 0; opacity: 0.7; }
.t .d { font-size: 14px; opacity: 0.75; margin: 6px 0 16px; }
.t ul { list-style: none; font-size: 14px; margin: 0; padding: 0; flex: 1; }
.t li { display: flex; gap: 9px; padding: 5px 0; }
.t .btn { margin-top: 18px; }

.site-footer { background: var(--navy-d); color: #AFC3DD; }
.site-footer .wrap { padding: 56px 0 28px; }
.fg { display: grid; grid-template-columns: minmax(0, 1.5fr) minmax(0, 1fr) minmax(0, 1fr) minmax(0, 1fr); gap: 32px; }
.site-footer img { height: 40px; width: auto; }
.site-footer p { margin: 16px 0 0; max-width: 320px; font-size: 14.5px; }
.site-footer h2 { font-size: 13px; font-weight: 700; color: #fff; margin: 0 0 12px; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { padding: 4px 0; font-size: 14.5px; }
.site-footer a { color: inherit; text-decoration: none; }
.site-footer a:hover { color: #fff; }
.fb { display: flex; justify-content: space-between; align-items: center; gap: 12px; margin-top: 40px; padding-top: 22px; border-top: 1px solid rgba(143, 188, 230, 0.18); font-size: 13px; flex-wrap: wrap; }
.nym b { font-style: italic; font-weight: 800; color: var(--sky); }

.page { padding: 36px 0 80px; }
.page h1 { font-size: 42px; letter-spacing: -0.03em; color: var(--navy); font-weight: 800; margin: 0 0 12px; }
.prose { max-width: 760px; }
.prose p, .prose li { color: #3B4558; }
.prose h2 { color: var(--navy); font-size: 28px; letter-spacing: -0.02em; margin: 32px 0 10px; }
.card, .form-card, .detail-card, .p-card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 16px;
}
.lender-sheet { max-width: 780px; margin: 0 auto; padding: 28px 0 80px; }
.lender-sheet h1 { font-size: 40px; letter-spacing: -0.03em; color: var(--navy); margin: 8px 0; }
.crumbs { font-size: 13px; color: var(--muted); }
.crumbs a { color: var(--muted); }
.meta-row { display: flex; gap: 10px; flex-wrap: wrap; align-items: center; margin: 8px 0 22px; }
.detail-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-bottom: 18px; }
.detail-card { padding: 16px 18px; }
.detail-card .label { font-size: 11px; font-weight: 700; letter-spacing: 0.08em; text-transform: uppercase; color: #8A7A57; margin-bottom: 4px; }
.detail-card .value { font-weight: 650; color: var(--navy); }
.actions { display: flex; gap: 10px; flex-wrap: wrap; margin-top: 18px; }
.state-table { width: 100%; border-collapse: collapse; background: #fff; border-radius: 16px; overflow: hidden; box-shadow: 0 0 0 1px var(--line); }
.state-table th { text-align: left; font-size: 12px; color: #fff; background: var(--navy); padding: 12px 16px; }
.state-table td { font-size: 14px; padding: 10px 16px; border-bottom: 1px solid var(--line); }
.state-table tbody tr:nth-child(even) { background: #FBF8F2; }
.state-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; }
.state-grid a { display: flex; justify-content: space-between; gap: 12px; padding: 14px 16px; background: #fff; border: 1px solid var(--line); border-radius: 12px; text-decoration: none; color: var(--navy); font-weight: 600; }
.hfa-note { background: var(--ok-bg); border-radius: 16px; padding: 18px 20px; margin-bottom: 18px; color: var(--ok); }
.legacy-mark { height: 40px; width: auto; }
.auth-logo span, a:has(> .legacy-mark) span { display: none; }

.search-hero { background: var(--sand) !important; padding: 28px 20px 8px !important; }
.search-form {
  max-width: 760px;
  margin: 0 auto;
  background: #fff;
  border-radius: 18px;
  display: flex;
  align-items: center;
  box-shadow: 0 0 0 1px var(--line), 0 18px 40px -24px rgba(11, 46, 92, 0.4);
  overflow: hidden;
}
.search-form input { border: 0 !important; flex: 1; padding: 18px 20px !important; font-size: 18px !important; background: transparent !important; font-family: inherit !important; }
.search-form button { margin: 8px; border: 0; border-radius: 14px !important; background: var(--navy) !important; color: #fff !important; font-family: inherit; font-weight: 600; height: 48px; padding: 0 18px; }
.result-card, .results-wrap .result-card { border-color: var(--line) !important; border-radius: 16px !important; }
.pricing-hero, .contact-hero, .sh, .h { background: var(--sand) !important; color: var(--navy) !important; }
.pricing-hero h1, .contact-hero h1, .sh h1, .h h1, .sh .tl { color: var(--navy) !important; }
.pricing-hero p, .contact-hero p, .sh p, .h p { color: var(--muted) !important; }
.billing-toggle { background: var(--linen) !important; }
.billing-toggle button { color: var(--navy) !important; }
.billing-toggle button.active { background: var(--navy) !important; color: #fff !important; }
.save-badge { background: var(--mari-l) !important; color: var(--pd) !important; }
.pop-badge { background: var(--mari) !important; color: var(--navy-d) !important; }
.p-card.pop { border-color: var(--navy) !important; }
.sb {
  box-shadow: 0 0 0 1px var(--line), 0 18px 40px -24px rgba(11, 46, 92, 0.4) !important;
  border-radius: 18px !important;
  background: #fff;
}
.sb button { background: var(--navy) !important; }
.ch { flex-wrap: wrap; }
.sc { overflow-x: auto; }
.pricing-grid { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.cta-row { display: flex; flex-wrap: wrap; gap: 10px; }
.contact-btn, .auth-btn, .submit-btn, .cta-teal, .cta-navy {
  background: var(--navy) !important;
  color: #fff !important;
  border-radius: 999px !important;
  font-family: inherit !important;
}
.form-group input, .form-group textarea, .form-group select {
  border-radius: 12px !important;
  border-color: var(--line) !important;
  font-family: inherit !important;
  background: #fff;
}

@media (max-width: 980px) {
  h1.display { font-size: 44px; }
  .hero .wrap, .who .wrap, .pband { grid-template-columns: minmax(0, 1fr); gap: 28px; }
  .hero .wrap > * { min-width: 0; max-width: 100%; }
  .stage { min-height: 0; max-width: 100%; }
  .strip, .tiers, .fg, .state-grid, .detail-grid { grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); }
  .rl li { grid-template-columns: 52px minmax(0, 1fr); }
  .rl p { grid-column: 2; }
  .who h2, .pband h2, .page h1, .lender-sheet h1 { font-size: 34px; }
  .pricing-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 720px) {
  .nav-toggle { display: inline-flex; align-items: center; }
  .site-nav .wrap { height: auto; min-height: 68px; flex-wrap: wrap; padding: 12px 0; gap: 8px; }
  .site-nav ul.links, .site-nav .r { display: none; width: 100%; margin: 0; }
  body.nav-open .site-nav ul.links, body.nav-open .site-nav .r { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; padding: 8px 0 12px; }
  .mn-panel { position: static; box-shadow: none; min-width: 0; width: 100%; }
  .strip, .tiers, .fg, .state-grid, .detail-grid, .kv { grid-template-columns: minmax(0, 1fr); }
  .roles { width: 100%; border-radius: 16px; }
  body.nav-open .site-nav .mn-wrap { display: list-item !important; }
  .search { flex-wrap: wrap; padding-right: 8px; }
  .search .btn { width: 100%; }
  .pricing-wrap { padding-left: 16px !important; padding-right: 16px !important; }
  .pricing-grid { grid-template-columns: minmax(0, 1fr); }
  h1.display { font-size: 36px; }
  h1.display .u { white-space: normal; }
  .ccard { margin: 20px 16px 0; }
  .pcard { width: auto; margin: 16px; }
  .pband, .who .wrap { padding: 28px 18px; }
  .pband { border-radius: 20px; }
  .wrap { width: min(1216px, calc(100% - 28px)); }
  .trust { gap: 12px 16px; }
  .fb { align-items: flex-start; }
  .site-footer img, .logo img { max-width: 220px; }
  [style*="grid-template-columns:1fr 1fr"],
  [style*="grid-template-columns: 1fr 1fr"],
  [style*="repeat(2"],
  [style*="repeat(3"],
  [style*="repeat(4"] {
    grid-template-columns: minmax(0, 1fr) !important;
  }
}