:root{--navy:#0b1424;--navy2:#152746;--blue:#0d4d86;--gold:#e7b23a;--white:#fff;--ink:#111827;--muted:#667085;--paper:#f5f7fa}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{text-decoration:none;color:inherit}.wrap{width:min(1180px,calc(100% - 40px));margin:auto}
.top{position:sticky;top:0;z-index:30;background:rgba(8,15,27,.96);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{min-height:88px;display:flex;align-items:center;gap:28px}.brand{display:flex;align-items:center;gap:12px;margin-right:auto}.brand img{width:116px;height:62px;object-fit:cover;object-position:center 58%;border-radius:4px}
.navlinks{display:flex;gap:24px;align-items:center;color:#fff;font-size:14px}.navlinks a:hover{color:var(--gold)}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 22px;border-radius:3px;font-weight:700;letter-spacing:.02em;border:1px solid transparent;cursor:pointer}
.btn.gold{background:var(--gold);color:#101827}.btn.outline{border-color:rgba(255,255,255,.5);color:#fff}.btn.dark{background:var(--navy);color:#fff}
.menu{display:none;color:#fff;font-size:28px;background:none;border:0}
.hero{background:radial-gradient(circle at 78% 25%,#183b69 0,#0d1d35 30%,#070d18 68%);color:#fff;padding:92px 0 82px;min-height:650px;display:flex;align-items:center}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;align-items:center;gap:60px}.eyebrow{color:#f1c35a;font-weight:700;letter-spacing:.17em;font-size:13px;text-transform:uppercase}
h1{font-size:clamp(45px,6vw,78px);line-height:1.02;margin:16px 0 22px;letter-spacing:-.045em}.hero p{font-size:19px;color:#d8e0ec;max-width:650px}
.hero-actions{display:flex;gap:12px;margin-top:32px}.hero-logo{text-align:center}.hero-logo img.main{width:min(520px,100%);border-radius:8px}.associate{margin:20px auto 0;max-width:360px;color:#9aa8bb;font-size:11px;letter-spacing:.12em;text-transform:uppercase}.associate img{width:100%;max-height:72px;object-fit:contain;margin-top:8px;opacity:.72}
.section{padding:88px 0}.section.soft{background:var(--paper)}.section.dark{background:var(--navy);color:#fff}
.kicker{color:#b17a00;font-size:13px;font-weight:800;letter-spacing:.14em;text-transform:uppercase}.section.dark .kicker{color:#f1c35a}
h2{font-size:clamp(34px,4vw,52px);line-height:1.1;margin:8px 0 20px;letter-spacing:-.035em}.lead{font-size:18px;color:var(--muted);max-width:760px}.dark .lead{color:#c4cfdd}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#d9dee7;border:1px solid #d9dee7;margin-top:-48px;position:relative;z-index:2;box-shadow:0 12px 40px rgba(0,0,0,.12)}
.stat{background:#fff;padding:34px 22px;text-align:center}.stat b{display:block;font-size:38px;color:var(--navy);line-height:1}.stat span{font-size:13px;color:#667085}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:38px}.card{padding:30px;background:#fff;border:1px solid #e4e7ec;min-height:210px;transition:.2s}.card:hover{transform:translateY(-3px);box-shadow:0 14px 34px rgba(10,20,40,.08)}.card h3{font-size:22px;margin:10px 0}.card p{color:#667085}.num{color:#b17a00;font-weight:800;font-size:13px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.placeholder{min-height:420px;background:linear-gradient(135deg,#dce2ea,#f7f8fa);display:flex;align-items:center;justify-content:center;color:#7a8595;text-align:center;padding:30px}
.resource-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:30px}.resource{border:1px solid #e3e7ed;padding:24px;background:#fff}.resource h3{margin-top:0}.resource ul{padding-left:20px;color:#5c6675}
.form{display:grid;grid-template-columns:1fr 1fr;gap:16px;margin-top:28px}.form .full{grid-column:1/-1}.form input,.form select,.form textarea{width:100%;padding:15px;border:1px solid #ccd3dd;border-radius:3px;font:inherit}.form textarea{min-height:150px}
.footer{background:#050a12;color:#aeb8c7;padding:48px 0}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}.footer h4{color:#fff}.small{font-size:12px;color:#8490a1}.notice{font-size:12px;color:#6c7787;margin-top:20px}
@media(max-width:850px){.nav{min-height:72px}.navlinks{display:none;position:absolute;top:72px;left:0;right:0;background:#08101d;padding:24px;flex-direction:column;align-items:flex-start}.navlinks.open{display:flex}.menu{display:block}.hero{padding:60px 0}.hero-grid,.split{grid-template-columns:1fr}.hero-logo{order:-1}.hero-logo img.main{max-width:380px}.stats{grid-template-columns:1fr 1fr;margin-top:-25px}.cards{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr}.associate{max-width:290px}}
@media(max-width:560px){.wrap{width:min(100% - 28px,1180px)}h1{font-size:45px}.hero{min-height:auto}.hero-actions{flex-direction:column}.stats,.cards,.resource-grid,.form{grid-template-columns:1fr}.form .full{grid-column:auto}.stat{padding:25px 16px}.section{padding:64px 0}.brand img{width:94px;height:52px}}

/* V2 brand refinements */
.brand{overflow:visible}
.brand img{width:170px;height:58px;object-fit:contain;object-position:left center;border-radius:0}
.hero-logo{position:relative}
.hero-logo img.main{object-fit:contain;border-radius:0}
.associate-lockup{display:flex;align-items:center;justify-content:flex-end;gap:12px;margin:16px 4px 0 auto;max-width:390px;color:#8e9bae;font-size:10px;letter-spacing:.13em;text-transform:uppercase}
.associate-lockup img{width:250px;max-height:58px;object-fit:contain;opacity:.82}
.logo-reveal{position:relative;overflow:visible}
.logo-reveal .key-tracer{position:absolute;right:7%;top:15%;width:38px;height:38px;opacity:0;filter:drop-shadow(0 0 10px rgba(231,178,58,.85));animation:keyFlight 2.5s ease-out .45s 1 forwards}
.logo-reveal .key-tracer::before{content:"✦";font-size:36px;color:#efbd46}
@keyframes keyFlight{
0%{opacity:0;transform:translate(-230px,95px) scale(.35) rotate(-18deg)}
18%{opacity:1}
75%{opacity:1;transform:translate(-30px,4px) scale(.8) rotate(5deg)}
100%{opacity:0;transform:translate(0,0) scale(.25) rotate(0)}
}
@media(prefers-reduced-motion:reduce){.logo-reveal .key-tracer{display:none}}
@media(max-width:850px){.brand img{width:145px;height:52px}.associate-lockup{justify-content:center;margin-left:auto;margin-right:auto}.associate-lockup img{width:220px}}

/* V2 transparent-logo revision only */
.brand img{
  width:170px;
  height:58px;
  object-fit:contain;
  object-position:left center;
  border-radius:0;
  background:transparent;
}
.hero-logo img.main{
  object-fit:contain;
  border-radius:0;
  background:transparent;
}
@media(max-width:850px){
  .brand img{width:145px;height:52px}
}

/* V4 cinematic direction approved by client */
.top{background:rgba(5,13,24,.93);backdrop-filter:blur(12px);border-bottom:1px solid rgba(255,255,255,.12)}
.nav{min-height:92px}
.brand img{width:150px;height:68px;object-fit:contain;filter:none}
.hero{
 position:relative;isolation:isolate;overflow:hidden;
 background:linear-gradient(90deg,rgba(3,10,19,.97) 0%,rgba(5,18,33,.90) 43%,rgba(7,22,38,.70) 100%);
 min-height:720px;padding:96px 0 120px;
}
.hero::before{
 content:"";position:absolute;inset:0;z-index:-2;
 background-image:url("assets/hero-style-reference.png");
 background-size:cover;background-position:center;
 filter:blur(1px) saturate(.75);transform:scale(1.015);
 opacity:.32;
}
.hero::after{
 content:"";position:absolute;inset:0;z-index:-1;
 background:linear-gradient(180deg,rgba(3,10,19,.10),rgba(3,10,19,.34) 70%,rgba(3,10,19,.76));
}
.hero-grid{grid-template-columns:1.05fr .95fr;gap:70px}
.hero h1{font-size:clamp(50px,5.7vw,78px);max-width:760px;text-transform:none}
.hero p{font-size:19px;max-width:660px}
.hero-logo img.main{width:min(560px,100%);filter:drop-shadow(0 12px 30px rgba(0,0,0,.28))}
.associate-lockup{margin-top:22px;max-width:430px}
.associate-lockup img{width:275px}
.stats{background:rgba(12,26,43,.95);border:1px solid rgba(220,229,240,.32);box-shadow:0 18px 55px rgba(0,0,0,.24);margin-top:-72px}
.stat{background:#0c1a2b;color:#fff;border-right:1px solid rgba(255,255,255,.10)}
.stat:last-child{border-right:0}.stat b{color:#efbd46}.stat span{color:#d3dce8}
.btn.gold{background:linear-gradient(135deg,#e5ab2f,#f1c65d);color:#101723;box-shadow:0 8px 24px rgba(225,168,42,.18)}
.btn.outline{background:rgba(5,15,27,.34);border-color:rgba(255,255,255,.58)}
.section.soft{background:#f4f6f8}
@media(max-width:850px){
 .hero{min-height:auto;padding:62px 0 90px}
 .hero-grid{grid-template-columns:1fr}
 .hero-logo{order:0}
 .stats{margin-top:-40px}
}

/* V4 CLEAN FIX — remove mockup screenshot from behind the actual website */
.hero::before{
  content:"";
  position:absolute;
  inset:0;
  z-index:-2;
  background:
    radial-gradient(circle at 78% 28%, rgba(30,72,115,.48) 0%, rgba(15,38,66,.28) 28%, rgba(3,10,19,0) 58%),
    linear-gradient(110deg,#030a13 0%,#071526 48%,#102b49 100%);
  filter:none;
  transform:none;
  opacity:1;
}
.hero::after{
  background:
    linear-gradient(90deg,rgba(3,10,19,.28) 0%,rgba(3,10,19,.08) 48%,rgba(3,10,19,.12) 100%),
    linear-gradient(180deg,rgba(3,10,19,0) 55%,rgba(3,10,19,.32) 100%);
}

/* V5 — match approved reference composition without using the screenshot as a background */
body{background:#050c14}
.top{background:rgba(4,13,23,.94);border-bottom:1px solid rgba(138,173,205,.24)}
.nav{min-height:90px}
.brand img{width:112px;height:74px;object-fit:contain}
.navlinks{gap:30px;font-size:15px}
.navlinks a{position:relative}
.navlinks a:first-child::after{
 content:"";position:absolute;left:0;right:0;bottom:-28px;height:2px;
 background:#e8b23c;
}
.navlinks .has-drop{display:flex;align-items:center;gap:8px}
.navlinks .btn.gold::after{display:none}

.hero{
 min-height:650px;
 padding:88px 0 118px;
 background:
   radial-gradient(circle at 78% 18%,rgba(43,83,122,.48),transparent 34%),
   radial-gradient(circle at 55% 78%,rgba(18,55,83,.28),transparent 42%),
   linear-gradient(110deg,#030b14 0%,#071728 48%,#122d49 100%);
}
.hero::before{
 content:"";position:absolute;inset:0;z-index:-2;
 background:
   linear-gradient(180deg,transparent 55%,rgba(1,7,12,.28) 100%),
   radial-gradient(ellipse at 50% 100%,rgba(12,39,61,.72) 0%,rgba(3,12,20,.15) 48%,transparent 70%);
 opacity:1;
}
.hero::after{
 content:"";position:absolute;inset:auto 0 0;height:38%;z-index:-1;
 background:
   linear-gradient(175deg,transparent 0 42%,rgba(2,10,17,.55) 43% 100%),
   radial-gradient(ellipse at 48% 100%,rgba(28,67,92,.55),rgba(2,9,15,.15) 58%,transparent 72%);
 clip-path:polygon(0 42%,8% 50%,16% 44%,23% 58%,31% 46%,39% 61%,47% 45%,56% 57%,64% 43%,72% 55%,81% 42%,90% 51%,100% 38%,100% 100%,0 100%);
}
.hero-grid{grid-template-columns:1.03fr .97fr;gap:72px;align-items:center}
.hero .eyebrow{font-size:13px;letter-spacing:.26em;color:#efbd4a;margin-bottom:22px}
.hero h1{
 font-size:clamp(52px,5.2vw,76px);
 line-height:.98;letter-spacing:-.04em;margin:0 0 24px;max-width:760px;
}
.hero p{font-size:18px;line-height:1.65;max-width:650px;color:#e0e6ee}
.hero-actions{margin-top:34px;gap:16px}
.hero-actions .btn{min-width:200px;padding:16px 24px}
.hero-logo{align-self:center}
.hero-logo img.main{
 width:min(610px,100%);
 filter:drop-shadow(0 18px 40px rgba(0,0,0,.32));
}
.associate-lockup{
 max-width:470px;margin-top:22px;gap:16px;color:#b4bfcd;
 font-size:10px;letter-spacing:.18em;
}
.associate-lockup img{width:300px;opacity:.9}

.stats{
 width:min(1410px,calc(100% - 40px));
 margin:-72px auto 0;
 border:1px solid rgba(131,165,195,.42);
 border-radius:14px;
 overflow:hidden;
 background:rgba(3,16,28,.92);
 box-shadow:0 22px 60px rgba(0,0,0,.30);
}
.stat{
 min-height:138px;display:flex;flex-direction:column;justify-content:center;
 background:linear-gradient(180deg,rgba(7,26,43,.96),rgba(3,15,26,.96));
 border-right:1px solid rgba(255,255,255,.10);
}
.stat b{font-size:42px;color:#efbd4a}
.stat span{font-size:15px;line-height:1.35;color:#e1e7ef;max-width:190px;margin:8px auto 0}
.stats::after{
 content:"";position:absolute;left:20%;right:20%;bottom:-1px;height:2px;
 background:linear-gradient(90deg,transparent,#d9a936 42%,#fff1a4 50%,#d9a936 58%,transparent);
 box-shadow:0 0 14px rgba(239,189,74,.75);
}
@media(max-width:850px){
 .navlinks a:first-child::after{display:none}
 .hero{padding:56px 0 82px}
 .hero h1{font-size:clamp(43px,11vw,60px)}
 .hero-grid{gap:42px}
 .hero-logo img.main{max-width:480px}
 .stats{grid-template-columns:1fr 1fr;margin-top:-36px}
}
@media(max-width:560px){
 .brand img{width:96px;height:60px}
 .hero h1{font-size:44px}
 .hero p{font-size:16px}
 .hero-actions .btn{width:100%}
 .stats{grid-template-columns:1fr}
 .stat{min-height:112px}
}

/* V6: real website recreation of the approved reference */
.top{
  background:rgba(3,14,25,.93);
  border-bottom:1px solid rgba(125,158,188,.30);
}
.nav{min-height:90px}
.brand img{
  width:118px;height:72px;object-fit:contain;
  background:transparent;border-radius:0;
}
.hero{
  min-height:700px;
  padding:88px 0 128px;
  position:relative;
  overflow:hidden;
  isolation:isolate;
  background:
    radial-gradient(circle at 81% 28%,rgba(48,78,111,.25),transparent 27%),
    linear-gradient(180deg,#071a2c 0%,#10283e 45%,#071724 100%);
}
/* Atmospheric sky */
.hero::before{
  content:"";position:absolute;inset:0;z-index:-3;
  background:
    radial-gradient(ellipse at 80% 43%,rgba(190,124,75,.18),transparent 30%),
    radial-gradient(ellipse at 35% 38%,rgba(85,98,119,.20),transparent 38%),
    linear-gradient(180deg,#06192b 0%,#122b42 48%,#091723 100%);
}
/* Vancouver-inspired mountains + skyline silhouette built as page styling, not a screenshot */
.hero::after{
  content:"";position:absolute;left:0;right:0;bottom:0;height:44%;z-index:-2;
  background:
    linear-gradient(180deg,transparent 0 53%,rgba(1,8,14,.58) 54% 100%),
    repeating-linear-gradient(90deg,
      transparent 0 2.4%, rgba(5,16,24,.90) 2.4% 3.0%,
      transparent 3.0% 4.8%, rgba(7,20,30,.88) 4.8% 5.5%,
      transparent 5.5% 7.1%, rgba(4,15,23,.90) 7.1% 8.0%);
  clip-path:polygon(0 36%,7% 48%,13% 43%,19% 53%,25% 45%,31% 57%,37% 49%,43% 61%,49% 47%,55% 58%,61% 44%,67% 55%,73% 42%,79% 52%,85% 43%,91% 50%,100% 37%,100% 100%,0 100%);
}
.hero-grid{
  grid-template-columns:1.03fr .97fr;
  gap:66px;align-items:center;
}
.hero .eyebrow{color:#efbd4a;font-size:13px;letter-spacing:.26em;margin-bottom:22px}
.hero h1{
  font-size:clamp(54px,5.15vw,76px);
  line-height:.96;letter-spacing:-.045em;
  margin-bottom:25px;max-width:760px;
}
.hero p{font-size:18px;line-height:1.65;color:#e1e7ee;max-width:650px}
.hero-actions{margin-top:34px}
.hero-actions .btn{min-width:200px;padding:16px 25px}
.hero-logo img.main{
  width:min(610px,100%);height:auto;object-fit:contain;
  background:transparent;border-radius:0;
  filter:drop-shadow(0 16px 30px rgba(0,0,0,.24));
}
.associate-lockup{margin-top:18px;max-width:470px}
.associate-lockup img{width:300px;opacity:.94}
.stats{
  position:relative;
  width:min(1410px,calc(100% - 40px));
  margin:-78px auto 0;
  border:1px solid rgba(135,169,199,.48);
  border-radius:14px;
  overflow:hidden;
  background:rgba(3,17,29,.94);
  box-shadow:0 22px 60px rgba(0,0,0,.34);
}
.stat{
  min-height:138px;
  background:linear-gradient(180deg,rgba(6,25,42,.97),rgba(2,14,24,.97));
  border-right:1px solid rgba(255,255,255,.11);
}
.stat b{font-size:42px;color:#efbd4a}
.stat span{color:#eef2f6;font-size:15px;line-height:1.35}
.stats:after{
  content:"";position:absolute;left:18%;right:18%;bottom:0;height:2px;
  background:linear-gradient(90deg,transparent,#c99729 35%,#fff0a2 50%,#c99729 65%,transparent);
  box-shadow:0 0 14px rgba(239,189,74,.75);
}
@media(max-width:850px){
  .hero{min-height:auto;padding:56px 0 94px}
  .hero-grid{grid-template-columns:1fr;gap:40px}
  .hero h1{font-size:clamp(44px,11vw,60px)}
  .hero-logo img.main{max-width:520px}
  .stats{grid-template-columns:1fr 1fr;margin-top:-42px}
}
@media(max-width:560px){
  .stats{grid-template-columns:1fr}
  .hero-actions .btn{width:100%}
}

/* V7 content/readability updates */
.solutions-title{
  color:#ffffff !important;
  text-shadow:0 2px 18px rgba(0,0,0,.28);
}
.service-area{
  margin-top:12px;
  color:#d9e4ef;
}
.service-area strong{
  color:#efbd4a;
  font-weight:650;
}
.resource-link{
  display:block;
  color:inherit;
  text-decoration:none;
  cursor:pointer;
  position:relative;
  transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease;
}
.resource-link:hover{
  transform:translateY(-3px);
  border-color:#e8b23c;
  box-shadow:0 12px 30px rgba(0,0,0,.12);
}
.resource-action{
  display:inline-block;
  margin-top:16px;
  color:#b78312;
  font-weight:700;
  font-size:13px;
}
.sample-page{min-height:100vh;background:#06111e;color:#fff}
.sample-shell{width:min(960px,calc(100% - 36px));margin:0 auto;padding:70px 0}
.sample-back{color:#efbd4a;text-decoration:none;font-weight:700}
.sample-card{margin-top:28px;padding:42px;border:1px solid rgba(255,255,255,.15);border-radius:16px;background:#0b1d30}
.sample-card h1{font-size:clamp(34px,5vw,56px);margin:12px 0 18px}
.sample-card p{color:#cbd7e4;line-height:1.7}
.sample-placeholder{margin-top:30px;padding:70px 24px;text-align:center;border:1px dashed rgba(239,189,74,.5);border-radius:12px;color:#efbd4a;background:rgba(255,255,255,.025)}

/* V8 readability + bilingual navigation */
.section:not(.soft) h2{color:#fff}
.section:not(.soft) .lead{color:#aebed1}
.lang-switch{
  display:inline-flex;align-items:center;justify-content:center;
  min-width:58px;padding:8px 11px;border:1px solid rgba(255,255,255,.28);
  border-radius:999px;color:#fff;font-size:12px;font-weight:700;letter-spacing:.04em;
}
.lang-switch:hover{border-color:#efbd4a;color:#efbd4a}
@media(max-width:850px){.lang-switch{margin-top:5px}}

/* V11 Korean hero typography */
.ko-slogan{
  display:block;
  max-width:720px;
}
.ko-slogan > span{
  display:block;
  white-space:nowrap;
}
html[lang="ko"] .hero h1{
  font-size:clamp(44px,4.25vw,66px);
  line-height:1.14;
  letter-spacing:-0.045em;
  word-break:keep-all;
  margin-bottom:30px;
}
html[lang="ko"] .hero p{
  word-break:keep-all;
  line-height:1.75;
}
@media(max-width:850px){
  .ko-slogan > span{white-space:normal}
  html[lang="ko"] .hero h1{
    font-size:clamp(38px,9.2vw,56px);
    line-height:1.16;
  }
}

/* V12 section separation + tools/resource architecture */
.section + footer,.section.cta + footer{border-top:1px solid rgba(144,171,197,.20)}
footer{background:#020912!important}
.section.cta{background:#06111d!important;border-bottom:1px solid rgba(255,255,255,.08);box-shadow:inset 0 -1px 0 rgba(225,171,49,.08)}
.tool-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.tool-card{background:#fff;border:1px solid #dbe2e9;padding:30px;border-radius:10px}
.tool-card>span,.firstbuyer-feature>span{color:#b78312;font-size:12px;font-weight:800;letter-spacing:.14em}
.tool-card h2{color:#071525!important;margin:10px 0}
.tool-card p{color:#53677e;line-height:1.6}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:20px 0}
.calc-grid label{font-size:12px;font-weight:700;color:#34495e}
.calc-grid input,.calc-grid select{display:block;width:100%;box-sizing:border-box;margin-top:6px;padding:12px;border:1px solid #cbd5df;border-radius:6px;background:#fff}
.calc-result{margin-top:18px;padding:18px;border-radius:8px;background:#f2f5f8;color:#102235;font-weight:650;line-height:1.55}
.tool-status{margin-top:18px;color:#9b721a;font-weight:700}
.firstbuyer-feature{display:block;margin-top:28px;padding:26px 30px;border:1px solid rgba(239,189,74,.38);border-radius:12px;background:linear-gradient(135deg,rgba(239,189,74,.08),rgba(255,255,255,.03));text-decoration:none;color:inherit}
.firstbuyer-feature h2{margin:8px 0;color:#fff!important}.firstbuyer-feature p{max-width:800px}.firstbuyer-feature strong{color:#efbd4a}
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.guide-grid article{background:#fff;border:1px solid #dbe2e9;padding:26px}.guide-grid h2{color:#071525!important}.guide-grid p{color:#53677e;line-height:1.6}.fineprint{margin-top:25px;color:#718096;font-size:13px}
@media(max-width:850px){.tool-grid,.guide-grid{grid-template-columns:1fr}.calc-grid{grid-template-columns:1fr}}

.affordability-card{grid-column:1/-1;border-top:3px solid #d7a42b}
.affordability-card>p{max-width:900px}
.rental-box{margin:20px 0;padding:20px;border:1px solid #d7dee6;border-radius:8px;background:#f7f9fb}
.checkline{display:flex;align-items:center;gap:10px;font-weight:750;color:#102235;min-height:44px}
.checkline input{width:18px;height:18px}
.rental-fields{margin-top:16px;margin-bottom:6px}
.calc-note{font-size:12px!important;color:#687b8f!important;margin:8px 0 0!important}
.afford-breakdown{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:12px}
.afford-breakdown div{padding:12px;background:#fff;border:1px solid #dde4ea;border-radius:6px}
.afford-breakdown small{display:block;color:#718096;margin-bottom:3px}
@media(max-width:650px){.afford-breakdown{grid-template-columns:1fr}}

/* V16: improve readability of headings and copy on dark page hero sections */
.page-hero,
.page-hero.compact{
  background:#06111d;
}
.page-hero h1,
.page-hero.compact h1{
  color:#ffffff !important;
  text-shadow:0 2px 18px rgba(0,0,0,.18);
}
.page-hero .lead,
.page-hero.compact .lead{
  color:#b7c6d8 !important;
}
.page-hero .eyebrow,
.page-hero.compact .eyebrow{
  color:#efbd4a !important;
}

/* V18: dark-section body-copy contrast */
.section:not(.soft) .split p,
.section:not(.soft) .split .lead,
.section:not(.soft) .copy p{
  color:#aebed1 !important;
}
.section:not(.soft) .split h2,
.section:not(.soft) .copy h2{
  color:#ffffff !important;
}

/* V20 — folded calculator menu */
.affordability-card{grid-column:auto}
.calc-fold-toggle{width:100%;display:flex;align-items:center;justify-content:space-between;gap:20px;padding:0;border:0;background:transparent;color:inherit;text-align:left;cursor:pointer;font:inherit}
.calc-fold-summary{min-width:0;flex:1}
.calc-fold-summary h2{margin-bottom:8px}
.calc-fold-summary p{margin-bottom:0}
.calc-fold-icon{flex:0 0 44px;width:44px;height:44px;border:1px solid #d5a42e;border-radius:50%;display:grid;place-items:center;color:#9a6b00;font-size:28px;font-weight:300;line-height:1;transition:transform .2s ease,background .2s ease}
.tool-card.is-open{grid-column:1/-1}
.tool-card.is-open .calc-fold-icon{transform:rotate(45deg);background:#f4c04d;color:#071321}
.calc-fold-body{padding-top:24px;margin-top:22px;border-top:1px solid #dce3e9}
.calc-fold-toggle:focus-visible{outline:3px solid rgba(215,164,43,.35);outline-offset:8px;border-radius:4px}
@media(max-width:760px){.calc-fold-icon{flex-basis:40px;width:40px;height:40px}.tool-card.is-open{grid-column:auto}}

/* V21 — transparent header logo + reliable active-page underline */
.site-header .brand,
header .brand{
  background:transparent !important;
  box-shadow:none !important;
  border:0 !important;
}
.site-header .brand img,
header .brand img,
.navbar .brand img{
  object-fit:contain !important;
  background:transparent !important;
  box-shadow:none !important;
}
header nav a,
.nav-links a{
  position:relative;
}
header nav a.active::after,
.nav-links a.active::after{
  content:"";
  position:absolute;
  left:0;
  right:0;
  bottom:-18px;
  height:2px;
  background:#efb52d;
}

/* V22 — remove legacy permanent Home underline and show only current page */
.navlinks a:first-child::after{
  display:none !important;
  content:none !important;
}
.navlinks a.active::after{
  display:block !important;
  content:"" !important;
  position:absolute;
  left:0;
  right:0;
  bottom:-18px;
  height:2px;
  background:#efb52d;
}
/* Header logo must remain completely transparent around the artwork */
.brand,
.brand img{
  background:none !important;
  box-shadow:none !important;
  border:none !important;
}
.brand img{
  object-fit:contain !important;
  border-radius:0 !important;
}

/* V23 — one identical header logo treatment across every page */
.brand{
  display:flex !important;
  align-items:center !important;
  justify-content:flex-start !important;
  width:92px !important;
  height:72px !important;
  padding:0 !important;
  margin:0 !important;
  background:transparent !important;
}
.brand img{
  display:block !important;
  width:76px !important;
  height:58px !important;
  max-width:76px !important;
  max-height:58px !important;
  object-fit:contain !important;
  object-position:left center !important;
  background:transparent !important;
  border:0 !important;
  border-radius:0 !important;
  box-shadow:none !important;
}

/* V25 — logo sizing refinements */
.brand{
  width:112px !important;
  height:82px !important;
}
.brand img{
  width:96px !important;
  height:72px !important;
  max-width:96px !important;
  max-height:72px !important;
}

/* Larger homepage hero logo with tighter Powered By relationship */
.hero-logo{
  width:min(100%, 520px) !important;
  max-width:520px !important;
}
.hero-logo img,
.hero-brand img{
  width:100% !important;
  max-width:520px !important;
  height:auto !important;
  object-fit:contain !important;
}
.powered-by,
.hero-powered,
.powered{
  margin-top:6px !important;
}

/* Homepage-specific hero brand proportions */
.hero .hero-brand,
.hero .brand-lockup,
.hero .logo-lockup{
  transform:scale(1.10);
  transform-origin:center center;
}
.hero .powered-by,
.hero .hero-powered,
.hero .powered{
  transform:translateY(-8px);
}
@media(max-width:760px){
  .brand{width:96px !important;height:72px !important}
  .brand img{width:84px !important;height:64px !important;max-width:84px !important;max-height:64px !important}
  .hero .hero-brand,.hero .brand-lockup,.hero .logo-lockup{transform:scale(1.05)}
}

/* V26 — larger toolbar logo + tighter homepage Powered By lockup */

/* Fill the available header height more confidently without changing nav height */
.brand{
  width:126px !important;
  height:82px !important;
  overflow:visible !important;
}
.brand img{
  width:112px !important;
  height:78px !important;
  max-width:112px !important;
  max-height:78px !important;
  object-fit:contain !important;
  object-position:left center !important;
}

/* Pull the ABW / Mortgage Architects lockup directly beneath the main hero logo */
.hero .powered-by,
.hero .hero-powered,
.hero .powered{
  margin-top:-34px !important;
  transform:translateY(-24px) !important;
}

/* Keep the main logo and powered-by treatment visually grouped */
.hero .hero-brand,
.hero .brand-lockup,
.hero .logo-lockup{
  margin-bottom:0 !important;
}

/* Common homepage powered lockup fallback selectors */
.hero [class*="powered"]{
  position:relative;
  top:-24px;
}

@media(max-width:760px){
  .brand{
    width:108px !important;
    height:72px !important;
  }
  .brand img{
    width:96px !important;
    height:68px !important;
    max-width:96px !important;
    max-height:68px !important;
  }
  .hero .powered-by,
  .hero .hero-powered,
  .hero .powered,
  .hero [class*="powered"]{
    top:auto;
    margin-top:-14px !important;
    transform:translateY(-10px) !important;
  }
}

/* V27 — final homepage partner-brand lockup using exact supplied ABW/MA artwork */
.hero .powered-by,
.hero .hero-powered,
.hero .powered{
  display:flex !important;
  flex-direction:row !important;
  align-items:center !important;
  justify-content:flex-end !important;
  gap:12px !important;
  width:100% !important;
  margin-top:-8px !important;
  padding-right:18px !important;
  transform:none !important;
  top:auto !important;
  position:relative !important;
}

.hero .powered-by > span,
.hero .hero-powered > span,
.hero .powered > span{
  white-space:nowrap !important;
  font-size:10px !important;
  line-height:1 !important;
  letter-spacing:.22em !important;
  color:#fff !important;
  opacity:.92 !important;
}

.hero .powered-by img,
.hero .hero-powered img,
.hero .powered img,
.hero img.abw-ma-official{
  display:block !important;
  width:250px !important;
  max-width:250px !important;
  height:auto !important;
  object-fit:contain !important;
  background:transparent !important;
  border:0 !important;
  box-shadow:none !important;
}

/* Cancel broad legacy powered selector from V26 */
.hero [class*="powered"]{
  top:auto !important;
}

@media(max-width:900px){
  .hero .powered-by,
  .hero .hero-powered,
  .hero .powered{
    justify-content:center !important;
    padding-right:0 !important;
    margin-top:0 !important;
  }
  .hero .powered-by img,
  .hero .hero-powered img,
  .hero .powered img,
  .hero img.abw-ma-official{
    width:210px !important;
    max-width:210px !important;
  }
}

/* V28 — actual homepage hero brand lockup */
.hero-logo{
  display:flex !important;
  flex-direction:column !important;
  align-items:center !important;
  justify-content:center !important;
}
.hero-logo img.main{
  display:block !important;
  width:min(570px,100%) !important;
  max-width:570px !important;
  height:auto !important;
  object-fit:contain !important;
  background:transparent !important;
  border:0 !important;
  border-radius:0 !important;
  box-shadow:none !important;
}

/* Keep POWERED BY + exact supplied ABW/MA artwork directly under,
   slightly right-aligned with, the Orbit logo. */
.hero .associate-lockup{
  display:flex !important;
  flex-direction:row !important;
  align-items:center !important;
  justify-content:flex-end !important;
  gap:12px !important;
  width:min(500px,92%) !important;
  max-width:500px !important;
  margin:-4px 12px 0 auto !important;
  padding:0 !important;
  position:relative !important;
  top:0 !important;
  transform:none !important;
  color:#fff !important;
  opacity:1 !important;
}
.hero .associate-lockup span{
  flex:0 0 auto !important;
  white-space:nowrap !important;
  font-size:10px !important;
  line-height:1 !important;
  letter-spacing:.18em !important;
  color:#fff !important;
  opacity:.92 !important;
}
.hero .associate-lockup img{
  display:block !important;
  width:245px !important;
  max-width:245px !important;
  max-height:none !important;
  height:auto !important;
  object-fit:contain !important;
  margin:0 !important;
  opacity:1 !important;
  background:transparent !important;
  border:0 !important;
  box-shadow:none !important;
}

@media(max-width:850px){
  .hero-logo img.main{
    width:min(500px,100%) !important;
  }
  .hero .associate-lockup{
    justify-content:center !important;
    width:100% !important;
    margin:2px auto 0 !important;
  }
  .hero .associate-lockup img{
    width:215px !important;
    max-width:215px !important;
  }
}

/* V29 — Home Purchase solution page */
.purchase-hero .wrap{max-width:1180px}.purchase-hero h1{max-width:900px}
.purchase-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:18px}
.purchase-step{background:#fff;border:1px solid #dce3e9;border-top:3px solid #d6a52c;padding:30px}
.purchase-step>span{font-size:12px;font-weight:800;letter-spacing:.18em;color:#b47b00}
.purchase-step h2{font-size:27px;color:#071321!important;margin:12px 0}
.purchase-step p{color:#52657a;line-height:1.7}.purchase-step a,.text-link{color:#9b6a00;font-weight:700;text-decoration:none}
.purchase-journey{background:#06111d}.purchase-journey h2{color:#fff!important}
.journey-row{display:grid;grid-template-columns:repeat(6,1fr);gap:1px;margin-top:30px;background:#243445}
.journey-row div{background:#0b1928;padding:24px 12px;text-align:center}.journey-row b{display:block;color:#eeb737;font-size:12px;letter-spacing:.14em;margin-bottom:8px}.journey-row span{color:#fff;font-weight:700}
.buyer-types{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:28px}.buyer-types>div{background:#fff;border:1px solid #dce3e9;padding:26px}.buyer-types h3{color:#071321;margin:0 0 10px}.buyer-types p{color:#52657a;line-height:1.6}
.two-col{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:start}.doc-list{display:grid;gap:10px}.doc-list>div{padding:20px 22px;border:1px solid #243445;background:#0b1928}.doc-list b,.doc-list span{display:block}.doc-list b{color:#fff;margin-bottom:5px}.doc-list span{color:#aebed1}
.conservative-callout .callout-inner{display:grid;grid-template-columns:1fr auto;gap:50px;align-items:center;background:#fff;border:1px solid #dce3e9;border-left:4px solid #e3ad2d;padding:38px}.conservative-callout h2{color:#071321!important;margin:8px 0 12px}.conservative-callout p{color:#52657a;max-width:800px;line-height:1.7}.callout-actions{display:flex;flex-direction:column;gap:10px;min-width:210px}.dark-outline{border-color:#8290a0!important;color:#071321!important}
.final-cta{text-align:center;background:#06111d}.final-cta h2{color:#fff!important}.final-cta p{color:#aebed1}.final-cta .hero-actions{justify-content:center}
@media(max-width:850px){.purchase-grid,.buyer-types,.two-col,.conservative-callout .callout-inner{grid-template-columns:1fr}.journey-row{grid-template-columns:repeat(2,1fr)}.callout-actions{min-width:0}}

/* V30 — entire solution/service card is clickable */
.service-card[data-href],
.solution-card[data-href]{
  cursor:pointer;
  position:relative;
  transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease;
}
.service-card[data-href]:focus-visible,
.solution-card[data-href]:focus-visible{
  outline:3px solid rgba(220,169,45,.45);
  outline-offset:4px;
}
@media (hover:hover) and (pointer:fine){
  .service-card[data-href]:hover,
  .solution-card[data-href]:hover{
    transform:translateY(-3px);
    border-color:#d8aa39;
    box-shadow:0 12px 28px rgba(0,0,0,.08);
  }
}

/* V31 — reliable whole-card links using native anchors */
.service-card,
.solution-card{
  position:relative;
}
.card-stretched-link{
  position:absolute;
  inset:0;
  z-index:5;
  display:block;
  border-radius:inherit;
}
.card-stretched-link:focus-visible{
  outline:3px solid rgba(220,169,45,.55);
  outline-offset:3px;
}
.service-card:has(.card-stretched-link),
.solution-card:has(.card-stretched-link){
  cursor:pointer;
  transition:transform .18s ease,border-color .18s ease,box-shadow .18s ease;
}
@media (hover:hover) and (pointer:fine){
  .service-card:has(.card-stretched-link):hover,
  .solution-card:has(.card-stretched-link):hover{
    transform:translateY(-3px);
    border-color:#d8aa39;
    box-shadow:0 12px 28px rgba(0,0,0,.08);
  }
}

/* V32 — native whole-card navigation for the actual .card markup */
.card { position: relative; }
.card .whole-card-link {
  position: absolute;
  inset: 0;
  z-index: 10;
  display: block;
  border-radius: inherit;
}
.card:has(.whole-card-link) {
  cursor: pointer;
  transition: transform .18s ease, border-color .18s ease, box-shadow .18s ease;
}
.card:has(.whole-card-link):focus-within {
  outline: 3px solid rgba(220,169,45,.5);
  outline-offset: 3px;
}
@media (hover:hover) and (pointer:fine) {
  .card:has(.whole-card-link):hover {
    transform: translateY(-3px);
    border-color: #d8aa39;
    box-shadow: 0 12px 28px rgba(0,0,0,.10);
  }
}

/* V34 — affordability result consultation conversion */
.afford-consult-cta{
  margin-top:18px;
  padding:20px 22px;
  border-left:3px solid #e4ad2e;
  background:rgba(228,173,46,.07);
}
.afford-consult-cta p{
  margin:0 0 15px!important;
  line-height:1.65;
}
.afford-consult-cta .btn{
  display:inline-flex;
  width:auto;
}

/* V35 — consultation CTA inside affordability result box */
.afford-result-consult-btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  margin-top:14px;
  min-height:44px;
  padding:11px 18px;
  background:#efb52d;
  color:#071321!important;
  border-radius:3px;
  text-decoration:none!important;
  font-weight:800;
  line-height:1.2;
}
.afford-result-consult-btn:hover{filter:brightness(1.04);}

/* V38 — FAQ + lender network */
.faq-wrap{max-width:980px}.faq-item{background:#fff;border:1px solid #dbe3ea;margin-bottom:12px}
.faq-item summary{cursor:pointer;list-style:none;padding:22px 58px 22px 24px;font-weight:800;color:#071321;position:relative}
.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";position:absolute;right:24px;top:17px;font-size:26px;color:#b47b00}
.faq-item[open] summary:after{content:"–"}.faq-item div{padding:0 24px 22px}.faq-item p{margin:0;color:#52657a;line-height:1.75}
.lender-network{background:#06111d}.lender-network h2{color:#fff!important}.lender-lead{color:#aebed1!important;max-width:850px}
.lender-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:12px;margin-top:30px}
.lender-tile{border:1px solid #26384a;background:#0b1928;padding:25px 20px;min-height:116px;display:flex;flex-direction:column;justify-content:center}
.lender-tile strong{color:#fff;font-size:17px;margin-bottom:7px}.lender-tile span{color:#9fb0c2;font-size:13px;line-height:1.5}
.lender-note{color:#7f91a4;font-size:12px;margin-top:16px}.lender-actions{margin-top:22px}
.faq-promo .callout-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;background:#071321;padding:34px}
.faq-promo h2{color:#fff!important}.faq-promo p{color:#aebed1;margin-bottom:0}
@media(max-width:850px){.lender-grid{grid-template-columns:repeat(2,1fr)}.faq-promo .callout-inner{align-items:flex-start;flex-direction:column}}
@media(max-width:480px){.lender-grid{grid-template-columns:1fr}}

/* V39 — expanded lender showcase */
.lender-category{margin-top:28px;padding-top:24px;border-top:1px solid #26384a}
.lender-category h3{color:#fff;margin:0 0 5px;font-size:20px}
.lender-category>p{color:#8fa2b5;margin:0 0 15px;font-size:13px}
.brand-row{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:10px}
.brand-chip{min-height:82px;background:#fff;border:1px solid #dfe5ea;border-radius:4px;padding:13px 16px;display:flex;align-items:center;justify-content:center;gap:10px;color:#071321;text-align:center}
.brand-word{font-weight:850;font-size:17px;letter-spacing:-.02em}
.brand-chip b{font-size:15px}.brand-mark{display:inline-flex;align-items:center;justify-content:center;font-weight:900}
.brand-td .brand-mark{width:44px;height:38px;background:#35a936;color:#fff;font-size:19px}
.brand-bmo .brand-mark{color:#0875b9;font-size:19px}.brand-bmo b{color:#0875b9}
.brand-scotia .brand-mark{width:38px;height:38px;border-radius:50%;background:#e1261c;color:#fff;font-size:22px}.brand-scotia b{color:#d91f26}
.brand-rbc .brand-mark{background:#0866b2;color:#ffd329;padding:10px 8px;font-size:13px}.brand-rbc b{color:#0866b2}
.specialty-row{display:flex;flex-wrap:wrap;gap:10px}
.specialty-row span{border:1px solid #b68a2a;background:rgba(230,174,45,.08);color:#f2c65d;padding:12px 17px;font-weight:750}
@media(max-width:850px){.brand-row{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:480px){.brand-row{grid-template-columns:1fr}}

/* V41 — lender categories are the cards; lender logos are examples inside each card */
.lender-category-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin-top:30px}
.lender-type-card{border:1px solid #26384a;background:#0b1928;padding:25px;min-width:0}
.lender-type-card h3{color:#fff;margin:0 0 6px;font-size:20px}
.lender-type-card>p{color:#93a6b9;margin:0 0 19px;font-size:13px;min-height:39px}
.mini-logo-row{display:flex;align-items:center;flex-wrap:wrap;gap:10px;margin-bottom:13px}
.mini-logo-row img{background:#fff;border-radius:3px;padding:8px 12px;width:auto;height:48px;max-width:145px;object-fit:contain}
.name-example-row{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:13px}
.name-example-row span{background:#fff;color:#071321;padding:10px 12px;border-radius:3px;font-weight:800;font-size:12px}
.name-example-row.compact{margin-top:7px}
.example-label{display:block;color:#6f8398;font-size:10px;text-transform:uppercase;letter-spacing:.08em;margin-top:5px}
.program-tags{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:13px}
.program-tags span{border:1px solid #b68a2a;color:#f2c65d;padding:10px 12px;font-size:12px;font-weight:750}
@media(max-width:720px){.lender-category-grid{grid-template-columns:1fr}.lender-type-card>p{min-height:0}}

/* V42 — logos float directly in lender category cards; no white logo boxes */
.bare-logo-row{display:flex;align-items:center;flex-wrap:wrap;gap:22px;margin:18px 0 16px;min-height:54px}
.bare-logo-row img{display:block;width:auto;height:auto;max-width:125px;max-height:48px;object-fit:contain;background:transparent!important;padding:0!important;border:0!important;border-radius:0!important}
.bare-logo-row img[alt*="Neighbourhood"]{max-width:145px}
.bare-logo-row img[alt*="Sequence"]{max-width:135px}
.bare-logo-row img[alt*="First National"]{max-width:145px}
.bare-logo-row img[alt*="Coast Capital"]{max-width:145px}
.bare-logo-row img[alt*="RFA"]{max-height:42px}

/* V43 — polished lender showcase based on approved visual */
.lender-network{
  background:
    radial-gradient(circle at 18% 8%, rgba(255,255,255,.07), transparent 28%),
    linear-gradient(135deg,#102a3f 0%,#0c2235 52%,#0b1d2e 100%) !important;
  border-top:1px solid rgba(255,255,255,.05);
  border-bottom:1px solid rgba(255,255,255,.05);
}
.lender-network .wrap{max-width:1180px}
.lender-network h2{
  color:#fff!important;
  font-size:clamp(34px,4vw,56px);
  line-height:1.04;
  max-width:980px;
  margin-bottom:14px;
}
.lender-network .lender-lead{
  max-width:900px;
  color:#c7d6e5!important;
  font-size:16px;
  line-height:1.65;
}
.lender-category-grid{
  display:grid;
  grid-template-columns:repeat(2,minmax(0,1fr));
  gap:18px;
  margin-top:30px;
}
.lender-type-card{
  position:relative;
  border:1px solid rgba(83,154,204,.42)!important;
  background:linear-gradient(145deg,rgba(25,59,84,.92),rgba(14,39,59,.94))!important;
  border-radius:10px;
  padding:24px 26px 20px!important;
  min-height:190px;
  box-shadow:inset 0 1px 0 rgba(255,255,255,.025);
}
.lender-type-card h3{
  color:#fff!important;
  font-size:23px!important;
  margin:0 0 4px!important;
}
.lender-type-card>p{
  color:#c0d0df!important;
  font-size:14px!important;
  min-height:auto!important;
  margin:0 0 17px!important;
}
.bare-logo-row{
  display:flex;
  align-items:center;
  flex-wrap:wrap;
  gap:24px;
  min-height:58px;
  margin:12px 0 10px!important;
}
.bare-logo-row img{
  display:block;
  width:auto;
  height:auto;
  max-width:142px!important;
  max-height:52px!important;
  object-fit:contain;
  background:transparent!important;
  padding:0!important;
  border:0!important;
  border-radius:0!important;
  filter:none;
}
.bare-logo-row img[alt*="Neighbourhood"]{max-width:155px!important}
.bare-logo-row img[alt*="Sequence"]{max-width:135px!important}
.bare-logo-row img[alt*="First National"]{max-width:150px!important}
.bare-logo-row img[alt*="Coast Capital"]{max-width:150px!important}
.bare-logo-row img[alt*="RBC"]{max-height:56px!important}
.bare-logo-row img[alt*="BDC"]{max-width:100px!important}
.many-more{
  display:inline-block;
  position:absolute;
  right:24px;
  bottom:45px;
  color:#b8c9d8;
  font-size:12px;
  white-space:nowrap;
}
.example-label{
  color:#7fa4bf!important;
  font-size:9px!important;
  letter-spacing:.16em!important;
}
.specialty-card .program-tags{margin-top:24px}
.specialty-card .many-more{display:none}
.lender-note{color:#8ea7ba!important;line-height:1.6}
.lender-actions{margin-top:24px}
@media(max-width:900px){
  .lender-category-grid{grid-template-columns:1fr}
  .lender-type-card{min-height:0}
}
@media(max-width:560px){
  .lender-type-card{padding:21px!important}
  .bare-logo-row{gap:17px;padding-right:0}
  .bare-logo-row img{max-width:115px!important;max-height:43px!important}
  .many-more{position:static;display:block;margin:2px 0 9px}
  .specialty-card .many-more{display:none}
}

/* V44 — final lender card alignment/spacing */
.lender-network{
  background:#0a1d2d!important;
}
.lender-category-grid{
  align-items:stretch!important;
  gap:16px!important;
}
.lender-type-card{
  display:flex!important;
  flex-direction:column!important;
  min-height:196px!important;
  padding:24px 26px 20px!important;
  background:#18354b!important;
  border:1px solid #37627e!important;
  border-radius:10px!important;
}
.lender-type-card h3{
  margin:0 0 5px!important;
  line-height:1.2!important;
}
.lender-type-card>p{
  margin:0 0 18px!important;
  min-height:34px!important;
  line-height:1.45!important;
}
.bare-logo-row{
  display:flex!important;
  align-items:center!important;
  flex-wrap:wrap!important;
  gap:22px!important;
  min-height:62px!important;
  margin:0!important;
}
.bare-logo-row img{
  flex:0 0 auto!important;
  max-height:50px!important;
  max-width:145px!important;
}
.bare-logo-row img[alt*="RBC"]{
  max-height:58px!important;
  max-width:62px!important;
}
.bare-logo-row img[alt*="BDC"]{
  max-height:44px!important;
  max-width:110px!important;
}
.many-more{
  position:static!important;
  display:block!important;
  order:10!important;
  margin-top:auto!important;
  padding-top:12px!important;
  color:#c6d5e2!important;
  font-size:12px!important;
  line-height:1!important;
  white-space:nowrap!important;
}
.specialty-card .program-tags{
  margin:0!important;
  min-height:62px!important;
  align-items:center!important;
}
.specialty-card .many-more{
  display:block!important;
}
.example-label{
  display:none!important;
}
@media(max-width:900px){
  .lender-type-card{min-height:185px!important}
}
@media(max-width:560px){
  .lender-type-card{
    min-height:0!important;
    padding:21px!important;
  }
  .lender-type-card>p{min-height:0!important}
  .bare-logo-row{min-height:0!important;gap:17px!important}
  .many-more{margin-top:12px!important;padding-top:0!important}
}

/* V45 — white lender category cards */
.lender-type-card{
  background:#ffffff!important;
  border:1px solid #d9e2e9!important;
  box-shadow:0 10px 28px rgba(0,0,0,.10)!important;
}
.lender-type-card h3{
  color:#071321!important;
}
.lender-type-card>p{
  color:#52677a!important;
}
.lender-type-card .many-more{
  color:#8a650e!important;
  font-weight:750!important;
}
.lender-type-card .program-tags span{
  background:#fffaf0!important;
  border-color:#c69219!important;
  color:#8a650e!important;
}

/* V48 — Korean typography: never split Korean words at awkward syllable boundaries */
html[lang="ko"] h1,
html[lang="ko"] h2,
html[lang="ko"] h3,
html[lang="ko"] .lead,
html[lang="ko"] .eyebrow,
html[lang="ko"] .btn,
html[lang="ko"] p,
html[lang="ko"] span {
  word-break: keep-all !important;
  overflow-wrap: normal !important;
}

/* Give Korean display headings a little more usable width and a responsive size.
   This keeps phrases together while retaining the strong visual hierarchy. */
html[lang="ko"] .page-hero h1,
html[lang="ko"] .purchase-hero h1 {
  max-width: 1050px !important;
  font-size: clamp(42px, 5.15vw, 72px) !important;
  line-height: 1.12 !important;
  letter-spacing: -0.035em !important;
}

html[lang="ko"] .section h2 {
  line-height: 1.16 !important;
  letter-spacing: -0.03em !important;
}

/* Long Korean editorial headings benefit from slightly more width. */
html[lang="ko"] .two-col > div:first-child {
  min-width: 0 !important;
}
html[lang="ko"] .two-col h2 {
  font-size: clamp(34px, 4.2vw, 58px) !important;
  max-width: 760px !important;
}

@media (max-width: 900px) {
  html[lang="ko"] .page-hero h1,
  html[lang="ko"] .purchase-hero h1 {
    font-size: clamp(38px, 8vw, 58px) !important;
    line-height: 1.14 !important;
  }
  html[lang="ko"] .two-col h2 {
    font-size: clamp(32px, 7vw, 48px) !important;
  }
}

@media (max-width: 560px) {
  html[lang="ko"] .page-hero h1,
  html[lang="ko"] .purchase-hero h1 {
    font-size: clamp(34px, 10vw, 46px) !important;
    letter-spacing: -0.04em !important;
  }
  html[lang="ko"] .section h2 {
    font-size: clamp(30px, 8.5vw, 42px) !important;
  }
}

/* V52: Korean lender page uses assets from the parent site directory. */
html[lang="ko"] .lender-network .bare-logo-row img {
  object-fit: contain !important;
}

/* V54 — stronger hover/focus treatment for Mortgage Solution cards (EN + KR) */
.card {
  transition:
    border-color .22s ease,
    box-shadow .22s ease,
    transform .22s ease,
    background-color .22s ease !important;
}

@media (hover: hover) and (pointer: fine) {
  .card:has(.whole-card-link):hover {
    border-color: #e8b23c !important;
    border-width: 2px !important;
    box-shadow:
      0 0 0 1px rgba(217,169,40,.42),
      0 12px 28px rgba(0,0,0,.16) !important;
    transform: translateY(-2px);
  }
}

/* Keyboard focus receives the same stronger gold outline. */
.card:has(.whole-card-link:focus-visible) {
  border-color: #e8b23c !important;
  border-width: 2px !important;
  box-shadow:
    0 0 0 2px rgba(217,169,40,.46),
    0 12px 28px rgba(0,0,0,.16) !important;
}

/* Keep dimensions stable where border sizing changes. */
.card:has(.whole-card-link) {
  box-sizing: border-box !important;
}

/* V55 — Mortgage Solution card titles turn gold on hover/focus (EN + KR) */
.card:has(.whole-card-link) h2,
.card:has(.whole-card-link) h3 {
  transition: color .22s ease !important;
}

@media (hover: hover) and (pointer: fine) {
  .card:has(.whole-card-link):hover h2,
  .card:has(.whole-card-link):hover h3 {
    color: #e8b23c !important;
  }
}

.card:has(.whole-card-link:focus-visible) h2,
.card:has(.whole-card-link:focus-visible) h3 {
  color: #e8b23c !important;
}

/* V58 — keep Mortgage Solution card dimensions identical on hover/focus.
   The previous 1px -> 2px border change reduced the inner text width,
   causing longer titles such as Self-Employed and Commercial to reflow. */
@media (hover: hover) and (pointer: fine) {
  .card:has(.whole-card-link):hover {
    border-width: 1px !important;
    border-color: #e8b23c !important;
    box-shadow:
      0 0 0 2px rgba(232,178,60,.55),
      0 12px 28px rgba(0,0,0,.16) !important;
  }
}
.card:has(.whole-card-link:focus-visible) {
  border-width: 1px !important;
  border-color: #e8b23c !important;
  box-shadow:
    0 0 0 2px rgba(232,178,60,.60),
    0 12px 28px rgba(0,0,0,.16) !important;
}

/* V66 — refined lender category title color */
.lender-type-card h3 {
  color: #12324A !important;
}

/* V67 — property tax estimator */
.property-tax-card .calc-grid{grid-template-columns:repeat(3,minmax(0,1fr));}
.tax-rate-line{display:inline-block;margin-top:8px;color:#52677a;font-size:13px;font-weight:650;}
.tax-extra{display:inline-block;margin-top:7px;color:#52677a;font-size:13px;}
.tax-estimate-disclaimer{margin-top:18px;padding:16px 18px;border-left:3px solid #e8b23c;background:#f7f8fa;color:#43586a;font-size:13px;line-height:1.55;}
@media(max-width:800px){.property-tax-card .calc-grid{grid-template-columns:1fr;}}

/* V71 — explicit prior-year fallback warning */
.tax-year-warning{
  margin-top:16px;padding:16px 18px;border:1px solid #e8b23c;border-left:4px solid #e8b23c;
  background:#fff8e8;color:#4b3b16;font-size:13px;line-height:1.55;
}

/* V75 — closing cost & transfer tax estimator */
.closing-grid{grid-template-columns:repeat(3,minmax(0,1fr));}
.cc-breakdown{margin-top:2px}
.cc-row,.cc-total{display:flex;justify-content:space-between;gap:24px;padding:10px 0;border-bottom:1px solid #dbe3e9}
.cc-row span{color:#40566a}.cc-row strong{white-space:nowrap;color:#102b42}
.cc-total{margin-top:8px;padding-top:16px;border-bottom:0;font-size:18px;color:#0c263c}
.cc-total strong{font-size:22px;color:#0c263c}
.cc-source-note,.cc-excluded{font-size:13px;line-height:1.55;color:#52677a;margin:14px 0 0}
.cc-excluded{padding-top:12px;border-top:1px solid #dbe3e9}
@media(max-width:800px){.closing-grid{grid-template-columns:1fr}.cc-row,.cc-total{align-items:flex-start}}

/* V76 — new-home tax/rebate eligibility */
.cc-eligibility-note{margin-top:16px;padding:15px 17px;border-left:4px solid #e8b23c;background:#f7f3e8;color:#30485b;font-size:13px;line-height:1.58}
#ccDateWrap{display:none}

/* V77 — plain-language GST/HST financing note */
.gst-finance-hint{display:block;margin-top:9px;padding:10px 12px;border-left:3px solid #e8b23c;background:#f7f3e8;color:#40566a;font-size:12px;line-height:1.5;font-weight:400}
.gst-finance-hint strong{color:#12324a}

/* V78 — tools / closing-cost UX redesign */
.choice-field{display:flex;flex-direction:column;gap:8px;font-size:13px;font-weight:700;color:#294158}
.segmented{display:flex;min-height:48px;border:1px solid #cfd9e1;background:#fff;padding:4px}
.segmented button{flex:1;border:0;background:transparent;color:#52677a;font:inherit;cursor:pointer;padding:9px 12px;transition:.18s ease}
.segmented button.active{background:#12324a;color:#fff;box-shadow:0 2px 8px rgba(18,50,74,.14)}
.visually-hidden-select{position:absolute!important;width:1px!important;height:1px!important;opacity:0!important;pointer-events:none!important}
.closing-result{padding:0!important;background:transparent!important;border:0!important}
.result-empty{padding:24px;background:#f5f7f8;border:1px solid #dbe3e9;display:flex;flex-direction:column;gap:5px}
.result-empty strong{color:#12324a;font-size:17px}.result-empty span{color:#637789;font-size:13px}
.cc-purchase-summary{display:flex;flex-wrap:wrap;gap:8px;margin:22px 0 12px}
.cc-purchase-summary span{background:#eef2f4;color:#40566a;border:1px solid #dce3e8;padding:7px 10px;font-size:11px;font-weight:700;letter-spacing:.02em}
.cc-hero-total{background:#0b263b;color:#fff;padding:26px 28px;display:grid;grid-template-columns:1fr auto;gap:4px 24px;align-items:center}
.cc-hero-total>span{font-size:13px;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:#d7e0e6}
.cc-hero-total>strong{grid-row:1/3;grid-column:2;font-size:34px;color:#f0bd4c;white-space:nowrap}
.cc-hero-total>small{font-size:12px;color:#aebdca}
.cc-cash-panel,.cc-gst-panel{margin-top:12px;padding:22px 24px;border:1px solid #dbe3e9;background:#fff}
.cc-panel-heading{display:flex;flex-direction:column;gap:2px;margin-bottom:10px}
.cc-panel-heading span{font-size:10px;font-weight:800;letter-spacing:.12em;color:#a57816}
.cc-panel-heading strong{font-size:18px;color:#12324a}
.cc-gst-panel{border-top:3px solid #e8b23c}
.cc-gst-net{display:flex;justify-content:space-between;gap:20px;padding:15px 0 6px;font-weight:700;color:#12324a}
.cc-gst-net strong{font-size:19px}
.gst-finance-callout{margin-top:15px;padding:15px 16px;background:#f7f3e8;border-left:4px solid #e8b23c;display:flex;flex-direction:column;gap:4px}
.gst-finance-callout strong{font-size:13px;color:#12324a}.gst-finance-callout span{font-size:12px;line-height:1.55;color:#53687a}
.cc-status{margin-top:12px;padding:14px 16px;display:flex;gap:12px;align-items:flex-start;border:1px solid #dbe3e9}
.cc-status.eligible{background:#f2f7f3}.cc-status.ineligible{background:#faf5ed}
.status-icon{width:25px;height:25px;border-radius:50%;display:grid;place-items:center;background:#12324a;color:#fff;font-weight:800;flex:0 0 auto}
.cc-status strong{color:#12324a;font-size:13px}.cc-status p{margin:3px 0 0;color:#607486;font-size:12px;line-height:1.5}
@media(max-width:650px){.cc-hero-total{grid-template-columns:1fr}.cc-hero-total>strong{grid-row:auto;grid-column:auto;font-size:30px}.cc-purchase-summary{gap:5px}}

/* V79 — closing-cost alignment polish */
.closing-cost-card .calc-fold-body{overflow:visible}
.closing-cost-card .closing-grid{
  display:grid!important;
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  gap:16px 14px!important;
  align-items:start!important;
}
.closing-cost-card .closing-grid>label,
.closing-cost-card .closing-grid>.choice-field{
  min-width:0!important;
  width:100%!important;
  margin:0!important;
  box-sizing:border-box!important;
}
.closing-cost-card .closing-grid input,
.closing-cost-card .closing-grid select{
  width:100%!important;
  height:44px!important;
  min-height:44px!important;
  box-sizing:border-box!important;
  margin-top:7px!important;
}
.closing-cost-card .choice-field>span{display:block;margin-bottom:7px;min-height:18px}
.closing-cost-card .segmented{
  width:100%!important;
  height:48px!important;
  min-height:48px!important;
  box-sizing:border-box!important;
  margin:0!important;
}
.closing-cost-card .segmented button{min-width:0}
.closing-cost-card #ccDateWrap{grid-column:auto}
.closing-cost-card .calc-note{
  clear:both;
  margin:22px 0 12px!important;
  max-width:none!important;
}
.closing-cost-card>.calc-fold-body>.btn.gold{margin-top:0}
.closing-cost-card .cc-purchase-summary{margin-top:22px}
@media(max-width:900px){
 .closing-cost-card .closing-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important}
}
@media(max-width:600px){
 .closing-cost-card .closing-grid{grid-template-columns:1fr!important}
}

/* V80 — unified premium Tools UI system */
.tools-page .tool-card{border:1px solid #d9e1e7;background:#fff;box-shadow:0 8px 28px rgba(14,37,56,.045);transition:box-shadow .2s ease,border-color .2s ease}
.tools-page .tool-card:hover{border-color:#c9d4dc;box-shadow:0 12px 34px rgba(14,37,56,.07)}
.tools-page .tool-card .calc-fold-toggle{padding:24px 26px}
.tools-page .calc-fold-summary{display:grid;grid-template-columns:44px minmax(0,1fr);column-gap:14px;align-items:start}
.tools-page .calc-fold-summary>span:first-child{grid-row:1/3;width:38px;height:38px;display:grid;place-items:center;background:#eef2f4;color:#12324a;font-size:11px;font-weight:800;letter-spacing:.06em}
.tools-page .calc-fold-summary h2{margin:1px 0 4px!important;color:#12324a}
.tools-page .calc-fold-summary p{margin:0!important;color:#667b8d;line-height:1.5}
.tools-page .tool-card:has(.calc-fold-toggle[aria-expanded="true"]){border-top:3px solid #e8b23c;box-shadow:0 16px 40px rgba(14,37,56,.08)}
.tools-page .calc-fold-body{padding:4px 26px 28px}
.tools-page .calc-grid{gap:16px 14px;align-items:start}
.tools-page .calc-grid label,.tools-page .choice-field{color:#294158;font-size:13px;font-weight:700}
.tools-page .calc-grid input,.tools-page .calc-grid select{border:1px solid #cbd7df;background:#fff;min-height:46px;border-radius:2px;padding:0 13px;color:#102b42;transition:border-color .15s ease,box-shadow .15s ease}
.tools-page .calc-grid input:focus,.tools-page .calc-grid select:focus{outline:0;border-color:#c89423;box-shadow:0 0 0 3px rgba(232,178,60,.13)}
.tools-page .calc-note{padding:12px 14px;background:#f5f7f8;border-left:3px solid #d7a52f;color:#586e80;line-height:1.55}
.tools-page .calc-fold-body>.btn.gold{min-height:46px;padding:0 22px;display:inline-flex;align-items:center;justify-content:center}
.tools-page .calc-result{margin-top:20px;border:1px solid #dbe3e9;background:#f8fafb;padding:22px 24px;color:#12324a}
.tools-page .calc-result strong{color:#12324a}
.tools-page .afford-result-consult-btn{margin-top:16px}
@media(max-width:650px){
 .tools-page .tool-card .calc-fold-toggle{padding:20px 18px}
 .tools-page .calc-fold-body{padding:2px 18px 22px}
 .tools-page .calc-fold-summary{grid-template-columns:36px minmax(0,1fr);column-gap:10px}
 .tools-page .calc-fold-summary>span:first-child{width:32px;height:32px}
}

/* V81 — approved Closing Cost layout */
.closing-cost-card .closing-grid{
  display:grid!important;
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  column-gap:14px!important;
  row-gap:16px!important;
  align-items:start!important;
}
.closing-cost-card .choice-field{
  display:grid!important;
  grid-template-rows:20px 48px!important;
  gap:7px!important;
  align-content:start!important;
}
.closing-cost-card .choice-field>span{
  margin:0!important;
  min-height:20px!important;
  line-height:20px!important;
}
.closing-cost-card .segmented{
  height:48px!important;
  min-height:48px!important;
  padding:4px!important;
  margin:0!important;
  align-self:start!important;
}
.closing-cost-card .segmented button{
  height:38px!important;
  min-height:38px!important;
  padding:0 12px!important;
  display:flex!important;
  align-items:center!important;
  justify-content:center!important;
}
.closing-cost-card .cc-hero-total{
  background:#0b2b42!important;
  color:#fff!important;
  min-height:105px!important;
}
.closing-cost-card .cc-hero-total>span{color:#fff!important}
.closing-cost-card .cc-hero-total>small{color:#d4dee5!important}
.closing-cost-card .cc-hero-total>strong{
  color:#f2b83f!important;
  opacity:1!important;
  text-shadow:none!important;
  font-size:36px!important;
  font-weight:800!important;
}
.closing-cost-card .cc-cash-panel{padding:22px 24px!important}
.closing-cost-card .cc-cash-panel .cc-row:last-child{border-bottom:0}
@media(max-width:900px){
 .closing-cost-card .closing-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important}
}
@media(max-width:600px){
 .closing-cost-card .closing-grid{grid-template-columns:1fr!important}
 .closing-cost-card .cc-hero-total>strong{font-size:30px!important}
}

/* V82 — Homepage UX polish. Approved hero/branding remains unchanged. */
.home-page .hero{padding-bottom:54px}
.home-page .stats{position:relative;z-index:3;margin-top:-1px}
.home-page .stats .wrap{gap:0}
.home-page .stats .stat{padding:24px 26px;position:relative}
.home-page .stats .stat:not(:last-child)::after{content:"";position:absolute;right:0;top:24%;height:52%;width:1px;background:rgba(255,255,255,.13)}
.home-page .section{scroll-margin-top:96px}
.home-page .section.soft{padding-top:78px;padding-bottom:78px}
.home-page .section .eyebrow{margin-bottom:10px}
.home-page .section h2{margin-top:0}
.home-page .cards{gap:18px}
.home-page .card{transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease}
.home-page .card:hover{transform:translateY(-3px)}
.home-page .card h3{margin-bottom:9px}
.home-page .card p{line-height:1.58}
.home-page .lender-network-section{padding-top:82px!important;padding-bottom:82px!important}
.home-page .lender-type-grid{gap:16px!important}
.home-page .lender-type-card{transition:transform .18s ease,box-shadow .18s ease}
.home-page .lender-type-card:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(11,34,52,.07)}
.home-page .final-cta{padding-top:72px;padding-bottom:72px}
@media(max-width:800px){
 .home-page .hero{padding-bottom:38px}
 .home-page .stats .stat{padding:18px 14px}
 .home-page .stats .stat::after{display:none}
 .home-page .section.soft{padding-top:58px;padding-bottom:58px}
 .home-page .lender-network-section{padding-top:60px!important;padding-bottom:60px!important}
}

/* V84 — Mortgage Solutions UX polish */
.solutions-page .page-hero{padding-bottom:64px}
.solutions-page .page-hero .lead{max-width:760px;line-height:1.62}
.solutions-page .section.soft{padding-top:76px;padding-bottom:82px}
.solutions-page .cards{gap:18px}
.solutions-page .card{
  position:relative;
  min-height:230px;
  display:flex;
  flex-direction:column;
  padding:30px 28px 28px;
  overflow:hidden;
  transition:transform .18s ease,box-shadow .18s ease,border-color .18s ease;
}
.solutions-page .card::before{
  content:"";
  position:absolute;
  left:0;top:0;bottom:0;
  width:3px;
  background:#e8b23c;
  opacity:0;
  transition:opacity .18s ease;
}
.solutions-page .card:hover,
.solutions-page .card:focus-within{
  transform:translateY(-3px);
  box-shadow:0 14px 34px rgba(12,37,56,.08);
}
.solutions-page .card:hover::before,
.solutions-page .card:focus-within::before{opacity:1}
.solutions-page .card h3{
  margin:0 0 10px;
  color:#12324a;
  transition:color .18s ease;
}
.solutions-page .card:hover h3,
.solutions-page .card:focus-within h3{color:#e8b23c}
.solutions-page .card p{margin:0;line-height:1.62;color:#586e80}
.solutions-page .whole-card-link:focus-visible{
  outline:3px solid rgba(232,178,60,.55);
  outline-offset:-3px;
}
.solutions-page .section:not(.soft) h2{max-width:760px}
@media(max-width:800px){
 .solutions-page .page-hero{padding-bottom:48px}
 .solutions-page .section.soft{padding-top:58px;padding-bottom:62px}
 .solutions-page .card{min-height:0;padding:25px 23px}
}

/* V85 — individual Mortgage Solution page UX system */
.solution-detail-page .purchase-hero{padding-bottom:68px}
.solution-detail-page .purchase-hero .lead{max-width:780px;line-height:1.62}
.solution-detail-page .purchase-hero .hero-actions{gap:12px;margin-top:28px}
.solution-detail-page .purchase-grid{gap:16px}
.solution-detail-page .purchase-step{
  position:relative;
  min-height:225px;
  padding:30px 27px 28px;
  border:1px solid #dce3e9;
  border-top:0;
  box-shadow:0 7px 24px rgba(14,37,56,.035);
}
.solution-detail-page .purchase-step::before{
  content:"";position:absolute;left:0;right:0;top:0;height:3px;background:#e8b23c
}
.solution-detail-page .purchase-step span{
  display:inline-flex;align-items:center;justify-content:center;
  min-width:34px;height:26px;padding:0 8px;margin-bottom:17px;
  background:#12324a;color:#fff;font-size:10px;font-weight:800;letter-spacing:.08em
}
.solution-detail-page .purchase-step h3{margin:0 0 9px;color:#12324a}
.solution-detail-page .purchase-step p{margin:0;color:#5d7284;line-height:1.6}
.solution-detail-page .purchase-journey{padding-top:76px;padding-bottom:76px}
.solution-detail-page .journey-steps{position:relative;gap:0!important;margin-top:30px}
.solution-detail-page .journey-step{position:relative;padding:0 18px;text-align:center}
.solution-detail-page .journey-step:not(:last-child)::after{
  content:"";position:absolute;top:17px;right:-1px;width:2px;height:2px;background:#e8b23c;
  box-shadow:8px 0 #e8b23c,16px 0 #e8b23c
}
.solution-detail-page .buyer-types{padding-top:76px;padding-bottom:76px}
.solution-detail-page .buyer-types .card{transition:transform .18s ease,box-shadow .18s ease}
.solution-detail-page .buyer-types .card:hover{transform:translateY(-2px);box-shadow:0 11px 28px rgba(14,37,56,.06)}
.solution-detail-page .purchase-docs{padding-top:80px;padding-bottom:80px}
.solution-detail-page .purchase-docs .two-col{gap:64px}
.solution-detail-page .doc-list{gap:10px}
.solution-detail-page .doc-list>div{padding:15px 17px;border:1px solid rgba(255,255,255,.12);background:rgba(255,255,255,.035)}
.solution-detail-page .conservative-callout{padding-top:66px;padding-bottom:66px}
.solution-detail-page .conservative-callout .callout-inner{
  box-shadow:0 12px 34px rgba(14,37,56,.06);
  border-left-color:#e8b23c;
}
.solution-detail-page .final-cta{padding-top:72px;padding-bottom:72px}
@media(max-width:900px){
 .solution-detail-page .purchase-hero{padding-bottom:52px}
 .solution-detail-page .purchase-step{min-height:0}
 .solution-detail-page .purchase-journey,.solution-detail-page .buyer-types,.solution-detail-page .purchase-docs{padding-top:58px;padding-bottom:58px}
 .solution-detail-page .journey-step:not(:last-child)::after{display:none}
 .solution-detail-page .purchase-docs .two-col{gap:34px}
}
@media(max-width:600px){
 .solution-detail-page .purchase-step{padding:25px 22px}
 .solution-detail-page .conservative-callout .callout-inner{padding:28px 22px}
}

/* V86 — About page UX polish */
.about-page .page-hero{padding-bottom:68px}
.about-page .page-hero .lead{max-width:780px;line-height:1.65}
.about-page .section{scroll-margin-top:96px}
.about-page .section.soft{padding-top:78px;padding-bottom:78px}
.about-page .two-col{gap:64px;align-items:start}
.about-page .two-col h2{margin-top:0;max-width:650px}
.about-page .two-col p{line-height:1.7}
.about-page .cards{gap:18px}
.about-page .card{
  position:relative;
  padding:29px 27px;
  border:1px solid #dce3e9;
  box-shadow:0 7px 24px rgba(14,37,56,.035);
  transition:transform .18s ease,box-shadow .18s ease;
}
.about-page .card::before{
  content:"";position:absolute;left:0;top:0;right:0;height:3px;background:#e8b23c
}
.about-page .card:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(14,37,56,.065)}
.about-page .card h3{color:#12324a;margin-top:0;margin-bottom:10px}
.about-page .card p{line-height:1.62}
.about-page .stats .stat{padding-top:25px;padding-bottom:25px}
.about-page .final-cta{padding-top:72px;padding-bottom:72px}
@media(max-width:900px){
 .about-page .page-hero{padding-bottom:50px}
 .about-page .section.soft{padding-top:58px;padding-bottom:58px}
 .about-page .two-col{gap:34px}
}
@media(max-width:600px){
 .about-page .card{padding:24px 22px}
}

/* V87 — Resources library + expanded First-Time Buyer Guide */
.resources-page .page-hero{padding-bottom:62px}
.resources-page .section.soft{padding-top:72px;padding-bottom:78px}
.resources-page .cards{gap:18px}
.resources-page .card{position:relative;transition:transform .18s ease,box-shadow .18s ease}
.resources-page .card:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(14,37,56,.06)}
.resources-page .card h3{color:#12324a}
.first-buyer-guide-page .buyer-guide-roadmap{padding:78px 0}
.guide-timeline{margin-top:34px;border-top:1px solid #dce3e9}
.guide-timeline article{display:grid;grid-template-columns:72px 1fr;gap:22px;padding:22px 0;border-bottom:1px solid #dce3e9}
.guide-timeline b{color:#e8b23c;font-size:14px;letter-spacing:.08em}
.guide-timeline h3{margin:0 0 6px;color:#12324a}
.guide-timeline p{margin:0;color:#607486;line-height:1.62}
.five-c-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-top:30px}
.five-c-grid article{background:#fff;border:1px solid #dce3e9;border-top:3px solid #e8b23c;padding:24px 20px}
.five-c-grid span{display:flex;width:32px;height:32px;align-items:center;justify-content:center;background:#12324a;color:#fff;font-weight:800;margin-bottom:15px}
.five-c-grid h3{margin:0 0 8px;color:#12324a}
.five-c-grid p{margin:0;color:#607486;line-height:1.55;font-size:14px}
.first-buyer-guide-page .buyer-types{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.first-buyer-guide-page .buyer-types .card{padding:26px;border:1px solid #dce3e9;background:#fff}
@media(max-width:900px){.five-c-grid{grid-template-columns:repeat(2,1fr)}.first-buyer-guide-page .buyer-types{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.guide-timeline article{grid-template-columns:46px 1fr;gap:12px}.five-c-grid,.first-buyer-guide-page .buyer-types{grid-template-columns:1fr}}

/* V88 — First-Time Buyer Guide readability + Korean parity */
.first-buyer-guide-page{
  color:#173247;
  background:#fff;
}
.first-buyer-guide-page .purchase-hero,
.first-buyer-guide-page .purchase-docs{
  color:#fff;
}
.first-buyer-guide-page .purchase-hero h1,
.first-buyer-guide-page .purchase-hero .lead,
.first-buyer-guide-page .purchase-docs h2,
.first-buyer-guide-page .purchase-docs p{
  color:#fff!important;
  opacity:1!important;
}
.first-buyer-guide-page .purchase-hero .eyebrow,
.first-buyer-guide-page .purchase-docs .eyebrow{
  color:#f0bd4c!important;
}
.first-buyer-guide-page .section h2,
.first-buyer-guide-page .buyer-guide-roadmap h2,
.first-buyer-guide-page .conservative-callout h2{
  color:#12324a!important;
}
.first-buyer-guide-page .section.soft,
.first-buyer-guide-page .buyer-guide-roadmap,
.first-buyer-guide-page .conservative-callout{
  color:#173247;
}
.first-buyer-guide-page .purchase-step,
.first-buyer-guide-page .five-c-grid article,
.first-buyer-guide-page .buyer-types .card{
  color:#173247!important;
  background:#fff!important;
}
.first-buyer-guide-page .purchase-step h3,
.first-buyer-guide-page .five-c-grid h3,
.first-buyer-guide-page .buyer-types .card h3,
.first-buyer-guide-page .guide-timeline h3{
  color:#12324a!important;
  opacity:1!important;
}
.first-buyer-guide-page .purchase-step p,
.first-buyer-guide-page .five-c-grid p,
.first-buyer-guide-page .buyer-types .card p,
.first-buyer-guide-page .guide-timeline p{
  color:#536b7d!important;
  opacity:1!important;
}
.first-buyer-guide-page .purchase-docs .doc-list>div{
  color:#fff!important;
}
.first-buyer-guide-page .purchase-docs .doc-list strong{
  color:#fff!important;
  opacity:1!important;
}
.first-buyer-guide-page .conservative-callout .callout-inner{
  background:#fff!important;
  color:#173247!important;
}
.first-buyer-guide-page .conservative-callout p{
  color:#536b7d!important;
  opacity:1!important;
}

/* Korean guide: force readable Korean typography and prevent broken syllable wraps */
html[lang="ko"] .first-buyer-guide-page,
html[lang="ko"] .first-buyer-guide-page button,
html[lang="ko"] .first-buyer-guide-page input{
  font-family:"Noto Sans KR","Apple SD Gothic Neo","Malgun Gothic","Noto Sans",Arial,sans-serif!important;
}
html[lang="ko"] .first-buyer-guide-page h1,
html[lang="ko"] .first-buyer-guide-page h2,
html[lang="ko"] .first-buyer-guide-page h3,
html[lang="ko"] .first-buyer-guide-page p,
html[lang="ko"] .first-buyer-guide-page a,
html[lang="ko"] .first-buyer-guide-page strong,
html[lang="ko"] .first-buyer-guide-page .eyebrow{
  word-break:keep-all!important;
  overflow-wrap:normal!important;
}
html[lang="ko"] .first-buyer-guide-page .purchase-hero h1{
  font-size:clamp(40px,5vw,68px)!important;
  line-height:1.15!important;
  max-width:980px!important;
  letter-spacing:-.04em!important;
}
html[lang="ko"] .first-buyer-guide-page h2{
  line-height:1.22!important;
  letter-spacing:-.035em!important;
}
html[lang="ko"] .first-buyer-guide-page h3{
  line-height:1.34!important;
  letter-spacing:-.02em!important;
}
html[lang="ko"] .first-buyer-guide-page p{
  line-height:1.72!important;
}
html[lang="ko"] .first-buyer-guide-page .five-c-grid{
  grid-template-columns:repeat(5,minmax(0,1fr));
}
html[lang="ko"] .first-buyer-guide-page .five-c-grid article{
  min-width:0;
}
@media(max-width:1100px){
 html[lang="ko"] .first-buyer-guide-page .five-c-grid{grid-template-columns:repeat(3,1fr)}
}
@media(max-width:760px){
 html[lang="ko"] .first-buyer-guide-page .five-c-grid{grid-template-columns:1fr}
 html[lang="ko"] .first-buyer-guide-page .purchase-hero h1{font-size:clamp(36px,10vw,50px)!important}
}

/* V89 — definitive First-Time Buyer Guide visual rebuild
   Mirrors established solution-detail pages and overrides conflicting legacy guide rules. */
body.first-buyer-guide-page .purchase-hero{
  background:#071724!important;
  color:#fff!important;
  padding:86px 0 72px!important;
}
body.first-buyer-guide-page .purchase-hero .wrap{position:relative;z-index:1}
body.first-buyer-guide-page .purchase-hero .eyebrow{
  color:#e8b23c!important;
  opacity:1!important;
}
body.first-buyer-guide-page .purchase-hero h1{
  color:#fff!important;
  opacity:1!important;
  visibility:visible!important;
  max-width:1000px!important;
  margin:12px 0 20px!important;
}
body.first-buyer-guide-page .purchase-hero .lead{
  color:#d9e3ea!important;
  opacity:1!important;
  visibility:visible!important;
  max-width:800px!important;
}
body.first-buyer-guide-page .purchase-hero .btn.gold{color:#101723!important}
body.first-buyer-guide-page .purchase-hero .btn.outline{
  color:#fff!important;
  background:rgba(255,255,255,.06)!important;
  border-color:rgba(255,255,255,.48)!important;
}

body.first-buyer-guide-page .section.soft{
  background:#f4f6f8!important;
  color:#173247!important;
}
body.first-buyer-guide-page .section:not(.purchase-docs),
body.first-buyer-guide-page .buyer-guide-roadmap{
  color:#173247!important;
}
body.first-buyer-guide-page .section .eyebrow,
body.first-buyer-guide-page .buyer-guide-roadmap .eyebrow,
body.first-buyer-guide-page .conservative-callout .eyebrow{
  color:#d79e22!important;
  opacity:1!important;
}
body.first-buyer-guide-page .section h2,
body.first-buyer-guide-page .buyer-guide-roadmap h2,
body.first-buyer-guide-page .conservative-callout h2{
  color:#12324a!important;
  opacity:1!important;
  visibility:visible!important;
}
body.first-buyer-guide-page .purchase-step{
  background:#fff!important;color:#173247!important;
}
body.first-buyer-guide-page .purchase-step h3{color:#12324a!important}
body.first-buyer-guide-page .purchase-step p{color:#52697b!important}

body.first-buyer-guide-page .buyer-guide-roadmap{background:#fff!important}
body.first-buyer-guide-page .guide-timeline h3{color:#12324a!important}
body.first-buyer-guide-page .guide-timeline p{color:#52697b!important}

body.first-buyer-guide-page .five-c-grid article{
  background:#fff!important;color:#173247!important;
}
body.first-buyer-guide-page .five-c-grid h3{color:#12324a!important}
body.first-buyer-guide-page .five-c-grid p{color:#52697b!important}

body.first-buyer-guide-page .purchase-docs{
  background:#071724!important;
  color:#fff!important;
}
body.first-buyer-guide-page .purchase-docs .eyebrow{color:#e8b23c!important}
body.first-buyer-guide-page .purchase-docs h2{color:#fff!important}
body.first-buyer-guide-page .purchase-docs p{color:#d9e3ea!important}
body.first-buyer-guide-page .purchase-docs .doc-list>div{
  background:rgba(255,255,255,.045)!important;
  border-color:rgba(255,255,255,.14)!important;
}
body.first-buyer-guide-page .purchase-docs .doc-list strong{color:#fff!important}

body.first-buyer-guide-page .buyer-types .card{
  background:#fff!important;color:#173247!important;
}
body.first-buyer-guide-page .buyer-types .card h3{color:#12324a!important}
body.first-buyer-guide-page .buyer-types .card p{color:#52697b!important}

body.first-buyer-guide-page .conservative-callout{
  background:#f4f6f8!important;
}
body.first-buyer-guide-page .conservative-callout .callout-inner{
  background:#fff!important;color:#173247!important;
}
body.first-buyer-guide-page .conservative-callout p{color:#52697b!important}

/* Korean uses same page geometry as English, with only language-specific typography adjustments. */
html[lang="ko"] body.first-buyer-guide-page .purchase-hero h1{
  color:#fff!important;
  font-size:clamp(40px,4.8vw,68px)!important;
  line-height:1.16!important;
  letter-spacing:-.04em!important;
  word-break:keep-all!important;
}
html[lang="ko"] body.first-buyer-guide-page h2,
html[lang="ko"] body.first-buyer-guide-page h3,
html[lang="ko"] body.first-buyer-guide-page p{
  word-break:keep-all!important;
}
@media(max-width:760px){
 body.first-buyer-guide-page .purchase-hero{padding:64px 0 54px!important}
}

/* V90 — guide matches established solution page format exactly */
body.first-buyer-guide-page .top{
  /* inherit the canonical site header without guide-specific overrides */
}
body.first-buyer-guide-page .page-hero.compact.purchase-hero{
  /* use the same hero foundation as Home Purchase */
  padding-top:72px!important;
  padding-bottom:68px!important;
}
body.first-buyer-guide-page .section.soft{
  background:#f4f6f8!important;
}
body.first-buyer-guide-page .buyer-guide-roadmap{
  background:#fff!important;
  padding:76px 0!important;
}
body.first-buyer-guide-page .buyer-guide-roadmap + .section.soft{
  background:#f4f6f8!important;
}
body.first-buyer-guide-page .purchase-docs{
  background:#071724!important;
}
body.first-buyer-guide-page .purchase-docs + .section.soft{
  background:#f4f6f8!important;
}
body.first-buyer-guide-page .conservative-callout{
  background:#fff!important;
  padding:66px 0!important;
}
body.first-buyer-guide-page .conservative-callout .callout-inner{
  border:1px solid #dce3e9!important;
  border-left:4px solid #e8b23c!important;
}
body.first-buyer-guide-page .purchase-grid .purchase-step h3{
  font-size:22px!important;
  line-height:1.25!important;
  font-weight:700!important;
}
body.first-buyer-guide-page .guide-timeline h3,
body.first-buyer-guide-page .five-c-grid h3,
body.first-buyer-guide-page .buyer-types .card h3{
  font-family:inherit!important;
  font-weight:700!important;
}
body.first-buyer-guide-page .guide-timeline p,
body.first-buyer-guide-page .five-c-grid p,
body.first-buyer-guide-page .buyer-types .card p{
  font-family:inherit!important;
  font-weight:400!important;
}
html[lang="ko"] body.first-buyer-guide-page{
  font-family:inherit!important;
}
html[lang="ko"] body.first-buyer-guide-page .page-hero h1{
  max-width:1050px!important;
  font-size:clamp(42px,5.15vw,72px)!important;
  line-height:1.12!important;
  letter-spacing:-.035em!important;
}
html[lang="ko"] body.first-buyer-guide-page h1,
html[lang="ko"] body.first-buyer-guide-page h2,
html[lang="ko"] body.first-buyer-guide-page h3,
html[lang="ko"] body.first-buyer-guide-page p,
html[lang="ko"] body.first-buyer-guide-page span,
html[lang="ko"] body.first-buyer-guide-page a{
  word-break:keep-all!important;
  overflow-wrap:normal!important;
}
@media(max-width:900px){
 body.first-buyer-guide-page .page-hero.compact.purchase-hero{padding-top:58px!important;padding-bottom:52px!important}
}

/* V91 — interactive purchase-cost education */
.first-buyer-guide-page .interactive-cost-list{display:grid;gap:10px}
.first-buyer-guide-page .cost-detail{
  border:1px solid rgba(255,255,255,.15);
  background:rgba(255,255,255,.045);
  transition:border-color .18s ease,background .18s ease;
}
.first-buyer-guide-page .cost-detail:hover,
.first-buyer-guide-page .cost-detail[open]{border-color:rgba(232,178,60,.62);background:rgba(255,255,255,.07)}
.first-buyer-guide-page .cost-detail summary{
  list-style:none;cursor:pointer;min-height:56px;padding:15px 17px;
  display:flex;align-items:center;justify-content:space-between;gap:18px;
}
.first-buyer-guide-page .cost-detail summary::-webkit-details-marker{display:none}
.first-buyer-guide-page .cost-detail summary span{color:#fff;font-weight:700}
.first-buyer-guide-page .cost-detail summary small{color:#e8b23c;font-size:12px;font-weight:700;white-space:nowrap}
.first-buyer-guide-page .cost-detail summary::after{
  content:"+";color:#e8b23c;font-size:20px;font-weight:400;margin-left:4px
}
.first-buyer-guide-page .cost-detail[open] summary::after{content:"−"}
.first-buyer-guide-page .cost-detail-body{
  padding:0 17px 18px;border-top:1px solid rgba(255,255,255,.09)
}
.first-buyer-guide-page .cost-detail-body strong{
  display:block;color:#fff!important;padding-top:15px;font-size:15px;line-height:1.55
}
.first-buyer-guide-page .cost-detail-body p{
  color:#c9d5dd!important;margin:8px 0 0;line-height:1.58;font-size:14px
}
.first-buyer-guide-page .cost-tool-link{
  display:inline-block;margin-top:13px;color:#e8b23c!important;font-weight:700;text-decoration:none
}
.first-buyer-guide-page .cost-tool-link:hover{text-decoration:underline}
@media(max-width:600px){
 .first-buyer-guide-page .cost-detail summary{align-items:flex-start;flex-wrap:wrap}
 .first-buyer-guide-page .cost-detail summary small{white-space:normal}
}

/* V92 — Purchase-cost accordion redesigned to match approved visual */
.first-buyer-guide-page .purchase-docs .two-col{
  grid-template-columns:minmax(300px,.72fr) minmax(0,1.28fr)!important;
  gap:58px!important;
  align-items:start!important;
}
.first-buyer-guide-page .interactive-cost-list{
  display:grid!important;
  gap:10px!important;
}
.first-buyer-guide-page .cost-detail{
  border:1px solid rgba(177,199,214,.28)!important;
  background:rgba(255,255,255,.035)!important;
  overflow:hidden!important;
  transition:border-color .18s ease,background .18s ease!important;
}
.first-buyer-guide-page .cost-detail[open]{
  border-color:#e8b23c!important;
  background:rgba(255,255,255,.045)!important;
}
.first-buyer-guide-page .cost-detail summary{
  min-height:66px!important;
  display:grid!important;
  grid-template-columns:42px minmax(0,1fr) auto 24px!important;
  align-items:center!important;
  gap:14px!important;
  padding:11px 16px!important;
  cursor:pointer!important;
  list-style:none!important;
}
.first-buyer-guide-page .cost-detail summary::-webkit-details-marker{display:none!important}
.first-buyer-guide-page .cost-number{
  width:38px!important;height:38px!important;border-radius:50%!important;
  display:flex!important;align-items:center!important;justify-content:center!important;
  background:#516b7e!important;color:#fff!important;font-size:13px!important;font-weight:800!important;
}
.first-buyer-guide-page .cost-detail[open] .cost-number{
  background:#e8b23c!important;color:#102438!important;
}
.first-buyer-guide-page .cost-title{
  color:#fff!important;font-size:16px!important;font-weight:750!important;line-height:1.25!important;
}
.first-buyer-guide-page .cost-view{
  color:#e8b23c!important;font-size:12px!important;font-weight:800!important;white-space:nowrap!important;
}
.first-buyer-guide-page .cost-toggle{
  position:relative!important;width:20px!important;height:20px!important;
}
.first-buyer-guide-page .cost-toggle::before,
.first-buyer-guide-page .cost-toggle::after{
  content:""!important;position:absolute!important;left:3px!important;top:9px!important;
  width:14px!important;height:2px!important;background:#e8b23c!important;
}
.first-buyer-guide-page .cost-toggle::after{transform:rotate(90deg)!important}
.first-buyer-guide-page .cost-detail[open] .cost-toggle::after{display:none!important}
.first-buyer-guide-page .cost-detail-body{
  padding:18px 22px 22px!important;
  border-top:1px solid rgba(177,199,214,.18)!important;
}
.first-buyer-guide-page .cost-intro{
  margin:0 0 16px!important;color:#d9e3ea!important;font-size:14px!important;line-height:1.62!important;
}
.first-buyer-guide-page .cost-table-wrap{
  width:100%!important;overflow-x:auto!important;border:1px solid rgba(177,199,214,.25)!important;
}
.first-buyer-guide-page .cost-table{
  width:100%!important;border-collapse:collapse!important;table-layout:fixed!important;
}
.first-buyer-guide-page .cost-table th,
.first-buyer-guide-page .cost-table td{
  padding:11px 14px!important;border-bottom:1px solid rgba(177,199,214,.20)!important;
  color:#e8eef3!important;text-align:left!important;vertical-align:top!important;
  font-size:13px!important;line-height:1.45!important;
}
.first-buyer-guide-page .cost-table th{
  width:38%!important;background:rgba(255,255,255,.045)!important;color:#fff!important;font-weight:700!important;
}
.first-buyer-guide-page .cost-table tr:last-child th,
.first-buyer-guide-page .cost-table tr:last-child td{border-bottom:0!important}
.first-buyer-guide-page .cost-tip{
  display:grid!important;grid-template-columns:34px minmax(0,1fr)!important;gap:13px!important;
  margin-top:16px!important;padding:15px 16px!important;
  border-left:3px solid #e8b23c!important;background:rgba(232,178,60,.10)!important;
}
.first-buyer-guide-page .tip-mark{
  width:30px!important;height:30px!important;border:1px solid #e8b23c!important;border-radius:50%!important;
  display:flex!important;align-items:center!important;justify-content:center!important;
  color:#e8b23c!important;font-weight:800!important;font-style:normal!important;
}
.first-buyer-guide-page .cost-tip strong{
  color:#e8b23c!important;font-size:12px!important;letter-spacing:.12em!important;
}
.first-buyer-guide-page .cost-tip p{
  margin:5px 0 0!important;color:#d9e3ea!important;font-size:13px!important;line-height:1.55!important;
}
.first-buyer-guide-page .cost-tool-link{
  display:inline-flex!important;align-items:center!important;gap:7px!important;
  margin-top:11px!important;color:#e8b23c!important;font-size:13px!important;font-weight:800!important;text-decoration:none!important;
}
.first-buyer-guide-page .cost-tool-link:hover{text-decoration:underline!important}

@media(max-width:980px){
 .first-buyer-guide-page .purchase-docs .two-col{grid-template-columns:1fr!important;gap:34px!important}
}
@media(max-width:620px){
 .first-buyer-guide-page .cost-detail summary{
   grid-template-columns:38px minmax(0,1fr) 22px!important;
   gap:10px!important;padding:10px 12px!important;
 }
 .first-buyer-guide-page .cost-view{display:none!important}
 .first-buyer-guide-page .cost-number{width:34px!important;height:34px!important}
 .first-buyer-guide-page .cost-detail-body{padding:15px 14px 17px!important}
 .first-buyer-guide-page .cost-table{table-layout:auto!important;min-width:460px!important}
 .first-buyer-guide-page .cost-tip{grid-template-columns:30px minmax(0,1fr)!important;padding:13px!important}
}

/* V93 — remove legacy stray accordion plus + expandable buyer-program eligibility */
.first-buyer-guide-page .cost-detail summary::after{
  content:none!important;
  display:none!important;
}
.first-buyer-guide-page .buyer-program-grid{
  display:grid;
  grid-template-columns:repeat(3,minmax(0,1fr));
  gap:14px;
  margin-top:30px;
  align-items:start;
}
.first-buyer-guide-page .buyer-program-card{
  background:#fff;
  border:1px solid #d7e0e7;
  border-top:3px solid transparent;
  box-shadow:0 6px 22px rgba(14,37,56,.035);
  overflow:hidden;
  transition:border-color .18s ease,box-shadow .18s ease,transform .18s ease;
}
.first-buyer-guide-page .buyer-program-card:hover{
  transform:translateY(-2px);
  box-shadow:0 11px 28px rgba(14,37,56,.065);
}
.first-buyer-guide-page .buyer-program-card[open]{
  grid-column:span 2;
  border-top-color:#e8b23c;
  transform:none;
}
.first-buyer-guide-page .buyer-program-card summary{
  list-style:none;
  cursor:pointer;
  min-height:82px;
  display:grid;
  grid-template-columns:minmax(0,1fr) 24px;
  gap:14px;
  align-items:start;
  padding:23px 22px 20px;
}
.first-buyer-guide-page .buyer-program-card summary::-webkit-details-marker{display:none}
.first-buyer-guide-page .program-title{
  color:#12324a!important;
  font-size:18px;
  line-height:1.35;
  font-weight:750;
}
.first-buyer-guide-page .program-toggle{
  position:relative;
  width:20px;height:20px;
  margin-top:2px;
}
.first-buyer-guide-page .program-toggle::before,
.first-buyer-guide-page .program-toggle::after{
  content:"";
  position:absolute;
  left:3px;top:9px;
  width:14px;height:2px;
  background:#e8b23c;
}
.first-buyer-guide-page .program-toggle::after{transform:rotate(90deg)}
.first-buyer-guide-page .buyer-program-card[open] .program-toggle::after{display:none}
.first-buyer-guide-page .program-body{
  padding:0 22px 23px;
  border-top:1px solid #e4eaee;
}
.first-buyer-guide-page .program-summary{
  margin:18px 0 17px!important;
  color:#52697b!important;
  line-height:1.62!important;
}
.first-buyer-guide-page .program-eligibility{
  background:#f6f8fa;
  border-left:3px solid #e8b23c;
  padding:16px 18px;
}
.first-buyer-guide-page .program-eligibility>strong{
  display:block;
  color:#12324a!important;
  margin-bottom:9px;
  font-size:13px;
  text-transform:uppercase;
  letter-spacing:.055em;
}
.first-buyer-guide-page .program-eligibility ul{
  margin:0;
  padding-left:19px;
  color:#52697b;
}
.first-buyer-guide-page .program-eligibility li{
  margin:6px 0;
  line-height:1.5;
  font-size:14px;
}
.first-buyer-guide-page .official-program-link{
  display:inline-flex;
  gap:7px;
  align-items:center;
  margin-top:16px;
  color:#c98f12!important;
  font-size:13px;
  font-weight:800;
  text-decoration:none;
}
.first-buyer-guide-page .official-program-link:hover{text-decoration:underline}
@media(max-width:900px){
 .first-buyer-guide-page .buyer-program-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
 .first-buyer-guide-page .buyer-program-card[open]{grid-column:span 2}
}
@media(max-width:620px){
 .first-buyer-guide-page .buyer-program-grid{grid-template-columns:1fr}
 .first-buyer-guide-page .buyer-program-card[open]{grid-column:span 1}
 .first-buyer-guide-page .buyer-program-card summary{min-height:70px;padding:19px 17px 17px}
 .first-buyer-guide-page .program-body{padding:0 17px 20px}
}

/* V94 — benefit always visible; expansion reveals eligibility only */
.first-buyer-guide-page .buyer-program-grid{
  align-items:stretch!important;
}
.first-buyer-guide-page .buyer-program-card{
  display:flex!important;
  flex-direction:column!important;
  grid-column:auto!important;
  border-top:1px solid #d7e0e7!important;
}
.first-buyer-guide-page .buyer-program-card:hover{
  border-color:#d7e0e7!important;
}
.first-buyer-guide-page .program-visible{
  padding:23px 22px 18px!important;
  flex:1!important;
}
.first-buyer-guide-page .program-visible .program-title{
  display:block!important;
  margin:0 0 12px!important;
  color:#12324a!important;
  font-size:18px!important;
  line-height:1.35!important;
  font-weight:750!important;
}
.first-buyer-guide-page .program-visible .program-summary{
  margin:0!important;
  color:#52697b!important;
  line-height:1.62!important;
  font-size:14px!important;
}
.first-buyer-guide-page .program-eligibility-details{
  border-top:1px solid #e4eaee!important;
  background:#fff!important;
}
.first-buyer-guide-page .program-eligibility-details>summary{
  list-style:none!important;
  cursor:pointer!important;
  min-height:54px!important;
  display:grid!important;
  grid-template-columns:minmax(0,1fr) 22px!important;
  align-items:center!important;
  gap:12px!important;
  padding:13px 22px!important;
  color:#c98f12!important;
  font-size:13px!important;
  font-weight:800!important;
}
.first-buyer-guide-page .program-eligibility-details>summary::-webkit-details-marker{display:none!important}
.first-buyer-guide-page .program-eligibility-details[open]>summary{
  background:#fbfcfd!important;
}
.first-buyer-guide-page .program-eligibility-details[open] .program-toggle::after{
  display:none!important;
}
.first-buyer-guide-page .program-eligibility-details .program-body{
  padding:0 22px 22px!important;
  border-top:0!important;
}
.first-buyer-guide-page .program-eligibility-details .program-eligibility{
  margin-top:3px!important;
}
@media(max-width:620px){
 .first-buyer-guide-page .program-visible{padding:19px 17px 16px!important}
 .first-buyer-guide-page .program-eligibility-details>summary{padding:13px 17px!important}
 .first-buyer-guide-page .program-eligibility-details .program-body{padding:0 17px 18px!important}
}

/* V95 — expanding one buyer-program card must not stretch sibling cards */
.first-buyer-guide-page .buyer-program-grid{
  align-items:start!important;
}
.first-buyer-guide-page .buyer-program-card{
  align-self:start!important;
  height:auto!important;
  min-height:0!important;
}

/* V96 — First-time buyer program card UI/UX polish */
.first-buyer-guide-page .buyer-program-grid{
  display:grid!important;
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  gap:16px!important;
  align-items:start!important;
}
.first-buyer-guide-page .buyer-program-card{
  display:grid!important;
  grid-template-rows:1fr auto!important;
  min-height:244px!important;
  height:auto!important;
  align-self:start!important;
  background:#fff!important;
  border:1px solid #d7e0e7!important;
  border-top:3px solid #d7e0e7!important;
  box-shadow:0 7px 22px rgba(14,37,56,.045)!important;
  transition:border-color .18s ease,box-shadow .18s ease,transform .18s ease!important;
}
.first-buyer-guide-page .buyer-program-card:hover{
  transform:translateY(-3px)!important;
  border-top-color:#e8b23c!important;
  box-shadow:0 13px 30px rgba(14,37,56,.085)!important;
}
.first-buyer-guide-page .buyer-program-card:has(.program-eligibility-details[open]){
  border-top-color:#e8b23c!important;
  box-shadow:0 13px 30px rgba(14,37,56,.08)!important;
}
.first-buyer-guide-page .program-visible{
  padding:25px 22px 22px!important;
  min-height:184px!important;
}
.first-buyer-guide-page .program-visible .program-title{
  min-height:49px!important;
  margin:0 0 13px!important;
  font-size:18px!important;
  line-height:1.35!important;
  letter-spacing:-.012em!important;
}
.first-buyer-guide-page .program-visible .program-summary{
  font-size:14px!important;
  line-height:1.62!important;
}
.first-buyer-guide-page .program-eligibility-details{
  margin-top:0!important;
  border-top:1px solid #e1e7eb!important;
}
.first-buyer-guide-page .program-eligibility-details>summary{
  min-height:58px!important;
  padding:15px 21px!important;
  background:#fbfcfd!important;
  transition:background .18s ease,color .18s ease!important;
}
.first-buyer-guide-page .program-eligibility-details>summary:hover{
  background:#f5f7f9!important;
}
.first-buyer-guide-page .program-eligibility-details[open]>summary{
  background:#f6f8fa!important;
  border-bottom:1px solid #e5eaee!important;
}
.first-buyer-guide-page .program-eligibility-details .program-body{
  padding:20px 21px 23px!important;
}
.first-buyer-guide-page .program-eligibility-details .program-eligibility{
  margin:0!important;
  padding:17px 18px!important;
  background:#f5f7f9!important;
}
.first-buyer-guide-page .official-program-link{
  margin-top:17px!important;
  padding-top:2px!important;
}
html[lang="ko"] .first-buyer-guide-page .program-visible .program-title{
  min-height:49px!important;
  word-break:keep-all!important;
}
@media(max-width:900px){
 .first-buyer-guide-page .buyer-program-grid{grid-template-columns:repeat(2,minmax(0,1fr))!important}
}
@media(max-width:620px){
 .first-buyer-guide-page .buyer-program-grid{grid-template-columns:1fr!important;gap:13px!important}
 .first-buyer-guide-page .buyer-program-card{min-height:0!important}
 .first-buyer-guide-page .program-visible{min-height:0!important;padding:21px 18px 18px!important}
 .first-buyer-guide-page .program-visible .program-title{min-height:0!important;font-size:17px!important}
 .first-buyer-guide-page .program-eligibility-details>summary{padding:14px 18px!important}
 .first-buyer-guide-page .program-eligibility-details .program-body{padding:18px!important}
}

/* V98 — Card 02 down-payment cost/tip jump link */
.first-buyer-guide-page .purchase-step .text-link{
  display:inline-flex;
  align-items:center;
  gap:7px;
  margin-top:8px;
  color:#a86f00;
  font-weight:800;
  text-decoration:none;
}
.first-buyer-guide-page .purchase-step .text-link:hover{
  color:#7d5200;
  text-decoration:underline;
}
html{scroll-behavior:smooth}

/* V99 — visible link on Home Purchase card 02 */
.purchase-step .down-payment-guide-link{
 display:inline-flex!important;align-items:center!important;gap:7px!important;
 margin-top:8px!important;color:#a86f00!important;font-weight:800!important;
 text-decoration:none!important;visibility:visible!important;opacity:1!important;
}
.purchase-step .down-payment-guide-link:hover{color:#7d5200!important;text-decoration:underline!important}

/* V100 — Home Purchase card #2 link matches card #1 text-link treatment */
.purchase-step .down-payment-guide-link{
  display:inline-flex!important;
  align-items:center!important;
  gap:0!important;
  margin-top:0!important;
  color:#a86f00!important;
  font:inherit!important;
  font-weight:800!important;
  text-decoration:none!important;
}
.purchase-step .down-payment-guide-link:hover{
  color:#7d5200!important;
  text-decoration:underline!important;
}

/* V102 — First Home card link uses established Orbit text-link styling */
.buyer-types > div .text-link{
  display:inline-block;
  margin-top:10px;
}

/* V105 Resources library */
.resources-page .resource-hero{padding-bottom:72px}
.resources-page .resource-hero .lead{max-width:780px}
.resource-quicklinks{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:38px}
.resource-quicklinks a{display:grid;grid-template-columns:auto 1fr;column-gap:14px;row-gap:2px;align-items:center;padding:20px 22px;border:1px solid rgba(255,255,255,.16);background:rgba(255,255,255,.045);text-decoration:none;transition:.22s ease}
.resource-quicklinks a:hover{border-color:#e8b23c;transform:translateY(-2px);background:rgba(255,255,255,.075)}
.resource-quicklinks span{grid-row:1/3;color:#e8b23c;font-weight:800;font-size:13px}
.resource-quicklinks strong{color:#fff;font-size:16px}
.resource-quicklinks small{color:rgba(255,255,255,.65);font-size:13px}
.resource-section-head{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(280px,.85fr);gap:55px;align-items:end;margin-bottom:34px}
.resource-section-head h2{margin-bottom:0}
.resource-section-head>p{margin:0;color:#536575;line-height:1.75}
.resource-library-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}
.resource-library-card{position:relative;background:#fff;border:1px solid #dce3e9;border-top:3px solid #d6a52c;padding:28px 26px;min-height:355px;box-shadow:0 8px 24px rgba(14,37,56,.035)}
.resource-library-card .resource-no{display:block;color:#b67b05;font-weight:800;font-size:12px;letter-spacing:.12em;margin-bottom:18px}
.resource-library-card h3{margin:0 0 10px;color:#101723;font-size:20px}
.resource-library-card p{color:#536575;line-height:1.6;min-height:76px}
.resource-library-card ul{margin:18px 0 0;padding:0;list-style:none}
.resource-library-card li{position:relative;padding:7px 0 7px 17px;border-top:1px solid #edf0f2;color:#31485c;font-size:14px}
.resource-library-card li:before{content:"";position:absolute;left:0;top:15px;width:5px;height:5px;border-radius:50%;background:#d6a52c}
.resource-library-card>a,.resource-inline-links a{display:inline-block;margin-top:17px;color:#a86f00;font-weight:800;text-decoration:none;font-size:14px}
.resource-library-card>a:hover,.resource-inline-links a:hover{text-decoration:underline}
.resource-inline-links{display:flex;gap:18px;flex-wrap:wrap}
.resource-note{display:flex;gap:14px;align-items:center;margin-top:22px;padding:18px 20px;background:#fff;border-left:3px solid #d6a52c;color:#536575}
.resource-note strong{color:#101723;white-space:nowrap}
.resource-feature-section{background:#fff}
.resource-feature-card{display:grid;grid-template-columns:1fr auto;gap:35px;align-items:center;padding:42px 46px;border:1px solid #dce3e9;border-left:4px solid #d6a52c;text-decoration:none;transition:.22s ease}
.resource-feature-card:hover{box-shadow:0 16px 40px rgba(14,37,56,.08);transform:translateY(-2px)}
.resource-feature-card h2{margin:8px 0 12px;color:#101723}
.resource-feature-card p{max-width:760px;color:#536575;line-height:1.7}
.resource-feature-card strong{color:#a86f00}
.resource-feature-mark{font-size:72px;line-height:1;font-weight:800;color:#eef1f3}
.resource-tools .two-col{align-items:center}
.resource-tool-actions{display:flex;gap:12px;justify-content:flex-end;flex-wrap:wrap}
@media(max-width:900px){
.resource-quicklinks,.resource-library-grid{grid-template-columns:1fr 1fr}
.resource-section-head{grid-template-columns:1fr;gap:14px}
.resource-tool-actions{justify-content:flex-start}
}
@media(max-width:640px){
.resource-quicklinks,.resource-library-grid{grid-template-columns:1fr}
.resource-library-card{min-height:0}
.resource-library-card p{min-height:0}
.resource-note{align-items:flex-start;flex-direction:column}
.resource-note strong{white-space:normal}
.resource-feature-card{grid-template-columns:1fr;padding:30px 24px}
.resource-feature-mark{display:none}
}

/* V106 FAQ UX/UI */
.faq-section{background:#f4f6f8}
.faq-section-head{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(280px,.9fr);gap:52px;align-items:end;margin-bottom:34px}
.faq-section-head h2{margin-bottom:0}
.faq-section-head>p{margin:0;color:#536575;line-height:1.75}
.faq-wrap{display:grid;gap:10px;max-width:980px;margin:0 auto}
.faq-item{background:#fff;border:1px solid #dce3e9;border-left:3px solid transparent;box-shadow:0 5px 18px rgba(14,37,56,.025);transition:border-color .2s ease,box-shadow .2s ease}
.faq-item[open]{border-left-color:#d6a52c;box-shadow:0 10px 28px rgba(14,37,56,.055)}
.faq-item summary{list-style:none;display:grid;grid-template-columns:44px 1fr 30px;gap:14px;align-items:center;padding:22px 24px;cursor:pointer;color:#101723;font-weight:750;line-height:1.4}
.faq-item summary::-webkit-details-marker{display:none}
.faq-number{font-size:12px;letter-spacing:.1em;color:#b67b05;font-weight:800}
.faq-question{font-size:17px}
.faq-toggle{position:relative;width:24px;height:24px;border:1px solid #d8dee3;border-radius:50%}
.faq-toggle:before,.faq-toggle:after{content:"";position:absolute;left:6px;right:6px;top:11px;height:1.5px;background:#12324a}
.faq-toggle:after{transform:rotate(90deg);transition:transform .2s ease}
.faq-item[open] .faq-toggle{border-color:#d6a52c}
.faq-item[open] .faq-toggle:after{transform:rotate(0)}
.faq-item>div{padding:0 68px 23px 82px}
.faq-item>div p{margin:0;color:#536575;line-height:1.78}
@media(max-width:760px){
.faq-section-head{grid-template-columns:1fr;gap:12px}
.faq-item summary{grid-template-columns:34px 1fr 26px;gap:10px;padding:19px 16px}
.faq-question{font-size:15.5px}
.faq-item>div{padding:0 46px 20px 60px}
}

/* V107 — prevent legacy summary pseudo-element from duplicating the FAQ + / − control */
.faq-item summary::after{
  content:none!important;
  display:none!important;
}

/* V108 — optical lender-logo normalization.
   Logos keep their native aspect ratios; only their visual footprint is balanced. */
.lender-type-card .bare-logo-row{
  display:flex;
  align-items:center!important;
  gap:20px;
}
.lender-type-card .bare-logo-row img{
  width:auto!important;
  height:auto!important;
  max-width:31%!important;
  max-height:54px!important;
  object-fit:contain!important;
  object-position:center!important;
  flex:0 1 auto;
}
/* Compact/square marks need a larger box to read at the same optical weight. */
.lender-type-card .bare-logo-row img.logo-rbc{
  max-height:58px!important;
  max-width:72px!important;
}
.lender-type-card .bare-logo-row img.logo-bdc{
  max-height:55px!important;
  max-width:92px!important;
}
/* Wider wordmarks are intentionally capped so they do not overpower compact marks. */
.lender-type-card .bare-logo-row img.logo-beem{
  max-height:48px!important;
  max-width:142px!important;
}
.lender-type-card .bare-logo-row img.logo-coast{
  max-height:50px!important;
  max-width:145px!important;
}
.lender-type-card .bare-logo-row img.logo-firstcircle{
  max-height:52px!important;
  max-width:145px!important;
}
@media(max-width:640px){
  .lender-type-card .bare-logo-row{gap:15px}
  .lender-type-card .bare-logo-row img{max-height:48px!important}
  .lender-type-card .bare-logo-row img.logo-rbc{max-height:52px!important;max-width:65px!important}
  .lender-type-card .bare-logo-row img.logo-bdc{max-height:49px!important;max-width:84px!important}
}

/* V109 — match approved lender-logo reference more closely */
.lender-type-card .bare-logo-row img.logo-mcap{
  max-height:54px!important;
  max-width:132px!important;
}

/* Commercial: compact, evenly weighted RBC / BDC / BEEM grouping */
.lender-type-card:has(img.logo-bdc) .bare-logo-row{
  justify-content:flex-start!important;
  gap:28px!important;
}
.lender-type-card:has(img.logo-bdc) .bare-logo-row img.logo-rbc{
  max-height:66px!important;
  max-width:76px!important;
}
.lender-type-card:has(img.logo-bdc) .bare-logo-row img.logo-bdc{
  max-height:62px!important;
  max-width:112px!important;
}
.lender-type-card:has(img.logo-bdc) .bare-logo-row img.logo-beem{
  max-height:54px!important;
  max-width:150px!important;
}

/* Construction: RBC should carry the same optical weight as the reference. */
.lender-type-card:has(img.logo-firstcircle) .bare-logo-row img.logo-rbc{
  max-height:64px!important;
  max-width:74px!important;
}

@media(max-width:640px){
  .lender-type-card .bare-logo-row img.logo-mcap{max-height:48px!important;max-width:118px!important}
  .lender-type-card:has(img.logo-bdc) .bare-logo-row{gap:18px!important}
  .lender-type-card:has(img.logo-bdc) .bare-logo-row img.logo-rbc{max-height:56px!important;max-width:65px!important}
  .lender-type-card:has(img.logo-bdc) .bare-logo-row img.logo-bdc{max-height:53px!important;max-width:98px!important}
  .lender-type-card:has(img.logo-bdc) .bare-logo-row img.logo-beem{max-height:48px!important;max-width:132px!important}
}

/* V110 — normalized lender assets + optical layout.
   Local PNG canvases have been tightly cropped; these dimensions now control
   visible artwork rather than invisible whitespace. */
.lender-type-card .bare-logo-row{
  display:flex!important;
  align-items:center!important;
  justify-content:flex-start!important;
  flex-wrap:nowrap!important;
  gap:22px!important;
  min-height:68px!important;
}
.lender-type-card .bare-logo-row img{
  display:block!important;
  width:auto!important;
  height:auto!important;
  max-height:54px!important;
  max-width:155px!important;
  object-fit:contain!important;
  flex:0 0 auto!important;
}

/* Monoline: comparable visual presence across MCAN / MCAP / RFA / First National */
.lender-type-card .bare-logo-row img.logo-mcap{
  max-height:49px!important;
  max-width:128px!important;
}

/* Commercial: compact grouping matching the approved reference */
.lender-type-card:has(img.logo-bdc) .bare-logo-row{
  gap:24px!important;
}
.lender-type-card:has(img.logo-bdc) img.logo-rbc{
  width:62px!important;
  max-width:62px!important;
  max-height:64px!important;
}
.lender-type-card:has(img.logo-bdc) img.logo-bdc{
  width:105px!important;
  max-width:105px!important;
  max-height:58px!important;
}
.lender-type-card:has(img.logo-bdc) img.logo-beem{
  width:135px!important;
  max-width:135px!important;
  max-height:52px!important;
}

/* Construction: same RBC visual scale, then balanced wordmarks */
.lender-type-card:has(img.logo-firstcircle) .bare-logo-row{
  gap:24px!important;
}
.lender-type-card:has(img.logo-firstcircle) img.logo-rbc{
  width:62px!important;
  max-width:62px!important;
  max-height:64px!important;
}
.lender-type-card:has(img.logo-firstcircle) img.logo-coast{
  width:140px!important;
  max-width:140px!important;
}
.lender-type-card:has(img.logo-firstcircle) img.logo-firstcircle{
  width:135px!important;
  max-width:135px!important;
}

@media(max-width:640px){
  .lender-type-card .bare-logo-row{gap:15px!important;flex-wrap:wrap!important;min-height:0!important}
  .lender-type-card .bare-logo-row img{max-height:46px!important;max-width:125px!important}
  .lender-type-card:has(img.logo-bdc) .bare-logo-row,
  .lender-type-card:has(img.logo-firstcircle) .bare-logo-row{gap:16px!important}
  .lender-type-card:has(img.logo-bdc) img.logo-rbc,
  .lender-type-card:has(img.logo-firstcircle) img.logo-rbc{width:52px!important;max-width:52px!important}
  .lender-type-card:has(img.logo-bdc) img.logo-bdc{width:88px!important;max-width:88px!important}
  .lender-type-card:has(img.logo-bdc) img.logo-beem{width:112px!important;max-width:112px!important}
}

/* V111 — Monoline lenders: three-logo balanced layout (MCAN / MCAP / First National) */
.lender-type-card:has(img.logo-mcap) .bare-logo-row{
  display:grid!important;
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  align-items:center!important;
  justify-items:center!important;
  column-gap:28px!important;
  width:100%!important;
  min-height:72px!important;
}
.lender-type-card:has(img.logo-mcap) .bare-logo-row img{
  margin:0!important;
  justify-self:center!important;
  object-position:center!important;
}
.lender-type-card:has(img.logo-mcap) .bare-logo-row img.logo-mcap{
  max-height:52px!important;
  max-width:138px!important;
}
/* Keep the first and third monoline marks optically balanced with MCAP. */
.lender-type-card:has(img.logo-mcap) .bare-logo-row img[src*="lender-mcan"]{
  max-height:58px!important;
  max-width:145px!important;
}
.lender-type-card:has(img.logo-mcap) .bare-logo-row img[src*="lender-firstnational"]{
  max-height:54px!important;
  max-width:155px!important;
}
@media(max-width:640px){
  .lender-type-card:has(img.logo-mcap) .bare-logo-row{
    grid-template-columns:repeat(3,minmax(0,1fr))!important;
    column-gap:12px!important;
  }
  .lender-type-card:has(img.logo-mcap) .bare-logo-row img.logo-mcap{max-width:105px!important;max-height:44px!important}
  .lender-type-card:has(img.logo-mcap) .bare-logo-row img[src*="lender-mcan"]{max-width:110px!important;max-height:48px!important}
  .lender-type-card:has(img.logo-mcap) .bare-logo-row img[src*="lender-firstnational"]{max-width:115px!important;max-height:46px!important}
}

/* V112 — final optical spacing for Monoline / Commercial / Construction */

/* Monoline: shift the three-logo group left and use predictable columns. */
.lender-type-card:has(img.logo-mcap) .bare-logo-row{
  display:grid!important;
  grid-template-columns:125px 125px 155px!important;
  justify-content:start!important;
  justify-items:center!important;
  align-items:center!important;
  column-gap:26px!important;
  width:auto!important;
  padding-left:0!important;
  margin-left:0!important;
}
.lender-type-card:has(img.logo-mcap) .bare-logo-row img[src*="lender-mcan"]{max-width:125px!important;max-height:57px!important}
.lender-type-card:has(img.logo-mcap) .bare-logo-row img.logo-mcap{max-width:125px!important;max-height:51px!important}
.lender-type-card:has(img.logo-mcap) .bare-logo-row img[src*="lender-firstnational"]{max-width:150px!important;max-height:52px!important}

/* Commercial: distribute the group across more of the usable card width,
   but keep a controlled, even rhythm rather than flex's leftover-space gaps. */
.lender-type-card:has(img.logo-bdc) .bare-logo-row{
  display:grid!important;
  grid-template-columns:82px 118px 150px!important;
  justify-content:start!important;
  justify-items:center!important;
  align-items:center!important;
  column-gap:34px!important;
  width:auto!important;
}
.lender-type-card:has(img.logo-bdc) img.logo-rbc{width:66px!important;max-width:66px!important;max-height:68px!important}
.lender-type-card:has(img.logo-bdc) img.logo-bdc{width:108px!important;max-width:108px!important;max-height:60px!important}
.lender-type-card:has(img.logo-bdc) img.logo-beem{width:140px!important;max-width:140px!important;max-height:53px!important}

/* Construction: same organized three-column rhythm and less dead space. */
.lender-type-card:has(img.logo-firstcircle) .bare-logo-row{
  display:grid!important;
  grid-template-columns:82px 150px 145px!important;
  justify-content:start!important;
  justify-items:center!important;
  align-items:center!important;
  column-gap:30px!important;
  width:auto!important;
}
.lender-type-card:has(img.logo-firstcircle) img.logo-rbc{width:66px!important;max-width:66px!important;max-height:68px!important}
.lender-type-card:has(img.logo-firstcircle) img.logo-coast{width:145px!important;max-width:145px!important;max-height:52px!important}
.lender-type-card:has(img.logo-firstcircle) img.logo-firstcircle{width:140px!important;max-width:140px!important;max-height:54px!important}

@media(max-width:640px){
 .lender-type-card:has(img.logo-mcap) .bare-logo-row,
 .lender-type-card:has(img.logo-bdc) .bare-logo-row,
 .lender-type-card:has(img.logo-firstcircle) .bare-logo-row{
   display:flex!important;flex-wrap:wrap!important;justify-content:flex-start!important;
   gap:18px!important;width:100%!important;
 }
}

/* V113 — clean top navigation: hide Mortgage Solutions dropdown chevron only */
.nav a[href*="solutions"]::after,
.nav .dropdown > a::after,
.nav .has-dropdown > a::after{
  content:none!important;
  display:none!important;
}

/* V115 — Team page */
.team-hero .lead{max-width:790px}
.team-intro-grid,.team-section-head{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(300px,.9fr);gap:58px;align-items:end}
.team-intro-grid>p,.team-section-head>p{margin:0;color:#536575;line-height:1.75}
.team-stats{display:grid;grid-template-columns:repeat(3,1fr);margin-top:42px;border:1px solid #dce3e9;background:#fff}
.team-stats>div{display:flex;align-items:center;gap:17px;padding:25px 28px;border-right:1px solid #dce3e9}
.team-stats>div:last-child{border-right:0}
.team-stats strong{font-size:34px;line-height:1;color:#12324a}
.team-stats span{font-size:13px;line-height:1.4;color:#536575}
.team-section-head{margin-bottom:34px}
.team-profile-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.team-profile{background:#fff;border:1px solid #dce3e9}
.team-photo-placeholder{aspect-ratio:4/5;background:linear-gradient(145deg,#0b2235,#132f45);display:flex;flex-direction:column;align-items:center;justify-content:center;position:relative;color:#fff}
.team-photo-placeholder:after{content:"";position:absolute;inset:18px;border:1px solid rgba(255,255,255,.12)}
.team-photo-placeholder span{position:absolute;top:26px;left:28px;color:#e8b23c;font-size:12px;font-weight:800;letter-spacing:.12em}
.team-photo-placeholder strong{font-size:14px;letter-spacing:.12em}
.team-photo-placeholder small{margin-top:7px;color:rgba(255,255,255,.55);letter-spacing:.14em}
.team-profile-copy{padding:24px}
.team-profile-copy>span{font-size:11px;font-weight:800;letter-spacing:.12em;color:#b67b05}
.team-profile-copy h3{margin:7px 0 10px;color:#101723}
.team-profile-copy p{margin:0;color:#536575;line-height:1.65;font-size:14px}
.team-philosophy .two-col{align-items:center}
.team-philosophy p{color:rgba(255,255,255,.75);line-height:1.8;margin-bottom:24px}
@media(max-width:800px){
.team-intro-grid,.team-section-head{grid-template-columns:1fr;gap:14px}
.team-profile-grid{grid-template-columns:1fr}
.team-profile{display:grid;grid-template-columns:minmax(180px,.7fr) 1fr}
.team-photo-placeholder{aspect-ratio:1/1}
.team-stats{grid-template-columns:1fr}
.team-stats>div{border-right:0;border-bottom:1px solid #dce3e9}
.team-stats>div:last-child{border-bottom:0}
}
@media(max-width:520px){.team-profile{display:block}.team-photo-placeholder{aspect-ratio:4/3}}

/* V116 — seven-person team layout */
.team-profile-grid{
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  align-items:start;
}
.team-profile-grid .team-profile:nth-child(n+4) .team-photo-placeholder{
  background:linear-gradient(145deg,#10283b,#18384f);
}
@media(min-width:1100px){
  .team-profile-grid .team-profile:nth-child(7){
    grid-column:2;
  }
}
@media(max-width:800px){
  .team-profile-grid{grid-template-columns:1fr!important}
  .team-profile-grid .team-profile:nth-child(7){grid-column:auto}
}

/* V117 — Team contact details + direct-contact actions */
.team-profile-copy h3{margin-bottom:15px}
.team-contact-details{display:grid;gap:8px}
.team-contact-line{display:flex;align-items:center;gap:9px;color:#31485c;text-decoration:none;font-size:13px;line-height:1.35;overflow-wrap:anywhere}
.team-contact-line:hover{color:#a86f00}
.team-contact-line svg,.team-social svg{width:17px;height:17px;fill:none;stroke:currentColor;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round;flex:0 0 auto}
.team-socials{display:flex;gap:8px;flex-wrap:wrap;margin-top:17px;padding-top:15px;border-top:1px solid #e8ecef}
.team-social{appearance:none;display:inline-flex;align-items:center;justify-content:center;gap:6px;min-height:34px;padding:7px 10px;border:1px solid #d8e0e6;background:#fff;color:#12324a;text-decoration:none;font:inherit;font-size:11px;font-weight:800;cursor:pointer;transition:.18s ease}
.team-social:hover{border-color:#d6a52c;color:#9a6800;background:#fffaf0}
.team-social svg{width:16px;height:16px}
.team-kakao-id{margin-top:9px;color:#6a7884;font-size:11px}
.team-kakao-id strong{color:#31485c}
@media(max-width:520px){
 .team-social span{display:none}
 .team-social{width:38px;height:38px;padding:0}
 .team-social svg{width:18px;height:18px}
}

/* V119 — native-style social icons, no boxed social buttons */
.team-socials{gap:14px!important;align-items:center}
.team-social{
  min-height:0!important;padding:0!important;border:0!important;background:transparent!important;
  gap:6px!important;color:#12324a!important;
}
.team-social:hover{border:0!important;background:transparent!important;color:#b67b05!important}
.brand-icon{display:inline-flex;align-items:center;justify-content:center;flex:0 0 auto}
.instagram-icon{
  width:20px;height:20px;border:2px solid currentColor;border-radius:6px;
  font-size:18px;line-height:14px;font-family:Arial,sans-serif;font-weight:700;
}
.whatsapp-icon{
  width:21px;height:21px;border-radius:50%;background:#25D366;color:#fff;
  font-size:13px;line-height:1;font-family:Arial,sans-serif;
}
.kakao-icon{
  width:25px;height:20px;border-radius:8px;background:#FEE500;color:#191919;
  font-size:6px;font-weight:900;letter-spacing:-.02em;font-family:Arial,sans-serif;
  position:relative;
}
.kakao-icon:after{
  content:"";position:absolute;left:4px;bottom:-3px;border-width:3px 3px 0 0;
  border-style:solid;border-color:#FEE500 transparent transparent transparent;
}
@media(max-width:520px){
 .team-social{width:auto!important;height:auto!important;padding:0!important}
 .team-social span:last-child{display:none}
}

/* V120 — supplied/approved full-colour contact brand icons */
.contact-brand-icon{
  width:22px!important;height:22px!important;object-fit:contain!important;
  display:block!important;flex:0 0 22px!important;
}
.team-social:hover .contact-brand-icon{transform:scale(1.06)}
.team-social .contact-brand-icon{transition:transform .16s ease}

/* V121 — Alex bio */
.team-bio{margin:0 0 18px}
.team-bio p{margin:0 0 10px;color:#536575;line-height:1.62;font-size:13px}
.team-bio p:last-child{margin-bottom:0}

/* V123 — Inquire Now UX/UI */
.inquiry-hero{padding-bottom:72px}
.inquiry-hero-grid{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(280px,.55fr);gap:70px;align-items:end}
.inquiry-hero .lead{max-width:780px}
.inquiry-hero-note{border-left:2px solid #d6a52c;padding:7px 0 7px 24px}
.inquiry-hero-note>span,.form-heading>span,.inquiry-contact-card>span{display:block;font-size:10px;font-weight:800;letter-spacing:.15em;color:#d6a52c;margin-bottom:8px}
.inquiry-hero-note strong{display:block;color:#fff;font-size:20px}
.inquiry-hero-note p{color:rgba(255,255,255,.64);font-size:13px;line-height:1.6;margin:8px 0 0}
.inquiry-main{background:#f4f6f8}
.inquiry-layout{display:grid;grid-template-columns:minmax(280px,.72fr) minmax(480px,1.28fr);gap:60px;align-items:start}
.inquiry-copy>p{color:#536575;line-height:1.75;max-width:520px}
.inquiry-contact-card{background:#fff;border:1px solid #dce3e9;border-left:3px solid #d6a52c;padding:24px;margin:28px 0}
.inquiry-contact-card a{display:block;color:#12324a;font-size:18px;font-weight:750;text-decoration:none;overflow-wrap:anywhere}
.inquiry-contact-card p{margin:8px 0 0;color:#6b7884;font-size:12px}
.inquiry-steps{display:grid;gap:18px}
.inquiry-steps>div{display:flex;gap:15px;align-items:flex-start}
.inquiry-steps b{color:#c18a15;font-size:11px;letter-spacing:.08em;padding-top:3px}
.inquiry-steps span{display:grid;gap:3px}
.inquiry-steps strong{color:#12324a;font-size:14px}
.inquiry-steps small{color:#6b7884;line-height:1.5}
.inquiry-form-card{background:#fff;border:1px solid #dce3e9;border-top:3px solid #d6a52c;padding:36px;box-shadow:0 18px 45px rgba(16,39,57,.07)}
.form-heading{margin-bottom:26px}
.form-heading h3{margin:0;color:#10283b;font-size:25px;line-height:1.25}
.inquiry-form{display:grid!important;grid-template-columns:1fr 1fr!important;gap:20px!important}
.inquiry-form label{display:flex;flex-direction:column;gap:7px;color:#233b4e;font-size:12px;font-weight:750;letter-spacing:.01em}
.inquiry-form label small{display:inline;color:#89949d;font-weight:500;margin-left:4px}
.inquiry-form input,.inquiry-form select,.inquiry-form textarea{width:100%;box-sizing:border-box;border:1px solid #d6dee4;background:#fbfcfd;color:#10283b;padding:13px 14px;border-radius:0;font:inherit;font-size:14px;outline:none;transition:.18s ease}
.inquiry-form input:focus,.inquiry-form select:focus,.inquiry-form textarea:focus{border-color:#c99727;box-shadow:0 0 0 2px rgba(214,165,44,.1);background:#fff}
.inquiry-form textarea{min-height:112px;resize:vertical}
.inquiry-form .full{grid-column:1/-1}
.form-submit{display:flex;align-items:center;gap:20px;margin-top:2px}
.form-submit .btn{flex:0 0 auto}
.privacy-note{margin:0;color:#78858f;font-size:11px;line-height:1.5;max-width:430px}
@media(max-width:900px){
 .inquiry-hero-grid,.inquiry-layout{grid-template-columns:1fr;gap:32px}
 .inquiry-hero-note{max-width:500px}
}
@media(max-width:600px){
 .inquiry-form-card{padding:24px 18px}
 .inquiry-form{grid-template-columns:1fr!important}
 .inquiry-form label,.inquiry-form .full{grid-column:1!important}
 .form-submit{align-items:flex-start;flex-direction:column}
}

/* V124 — inquiry title contrast + cleaner form alignment */
.inquiry-main .inquiry-copy h2{
  color:#12324a!important;
}
.inquiry-form{
  grid-template-columns:repeat(2,minmax(0,1fr))!important;
  align-items:start!important;
}
.inquiry-form label{
  min-width:0!important;
}
.inquiry-form input,
.inquiry-form select{
  height:46px!important;
  min-height:46px!important;
  margin:0!important;
}
.inquiry-form textarea{
  margin:0!important;
}
.inquiry-form label > small{
  min-height:0!important;
}
.form-submit{
  justify-content:flex-start!important;
  margin-top:0!important;
}
@media(max-width:600px){
 .inquiry-form{grid-template-columns:1fr!important}
}

/* V126 — site-wide responsive/accessibility consistency audit */
html,body{max-width:100%;overflow-x:hidden}
img,svg{max-width:100%}
a,button,input,select,textarea{box-sizing:border-box}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{
  outline:2px solid #e8b23c;
  outline-offset:3px;
}
@media(max-width:640px){
  .wrap{width:min(100% - 32px,var(--wrap,1180px))}
  .btn{max-width:100%}
  .team-contact-line span,.inquiry-contact-card a{overflow-wrap:anywhere}
}

/* V127 — photo/illustration treatment for existing Home + Mortgage Solutions cards.
   Content, destinations and whole-card links remain unchanged. */
.visual-solution-card{
  position:relative!important;
  overflow:hidden!important;
  padding-top:170px!important;
  background:#fff!important;
}
.visual-solution-card .solution-card-visual{
  position:absolute;inset:0 0 auto 0;height:185px;
  background-size:cover;background-position:center;
  opacity:.88;
  transition:transform .32s ease,opacity .32s ease;
}
.visual-solution-card .solution-card-visual:after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(to bottom,rgba(255,255,255,.04) 25%,rgba(255,255,255,.92) 88%,#fff 100%);
}
.visual-solution-card .solution-icon-badge{
  position:relative;z-index:2;display:flex;align-items:center;justify-content:center;
  width:48px;height:48px;margin:-24px 0 13px;
  border-radius:50%;background:#fff;
  box-shadow:0 5px 18px rgba(15,39,58,.12);
}
.visual-solution-card .solution-icon{
  width:25px;height:25px;fill:none;stroke:#d49a18;stroke-width:1.8;
  stroke-linecap:round;stroke-linejoin:round;
}
.visual-solution-card h3,.visual-solution-card p,.visual-solution-card .num{
  position:relative;z-index:2;
}
.visual-solution-card .num{
  position:absolute!important;top:18px;right:18px;
  background:rgba(7,26,41,.72);color:#fff!important;
  width:32px;height:32px;border-radius:50%;
  display:flex;align-items:center;justify-content:center;
  font-size:10px!important;backdrop-filter:blur(5px);
}
.visual-solution-card .whole-card-link{z-index:5!important}
.visual-solution-card:hover .solution-card-visual{transform:scale(1.035);opacity:.96}
@media(max-width:640px){
 .visual-solution-card{padding-top:155px!important}
 .visual-solution-card .solution-card-visual{height:170px}
}

/* V128 — photographic service-card treatment */
.visual-solution-card .solution-card-visual{
  background-size:cover!important;
  background-position:center!important;
  opacity:1!important;
}
.visual-solution-card .solution-card-visual:after{
  background:linear-gradient(to bottom,rgba(255,255,255,0) 34%,rgba(255,255,255,.72) 73%,#fff 100%)!important;
}
.visual-solution-card:hover .solution-card-visual{
  transform:scale(1.035);
  opacity:1!important;
}

/* V129 — final service-card geometry cleanup */
.visual-solution-card{
  padding:0 30px 28px!important;
  min-height:0!important;
}
.visual-solution-card .solution-card-visual{
  position:relative!important;
  inset:auto!important;
  width:calc(100% + 60px)!important;
  height:190px!important;
  margin:0 -30px -25px!important;
  background-size:cover!important;
  background-position:center center!important;
  overflow:hidden!important;
}
.visual-solution-card .solution-card-visual:after{
  content:"";position:absolute;inset:0;
  background:linear-gradient(to bottom,rgba(255,255,255,0) 38%,rgba(255,255,255,.18) 57%,rgba(255,255,255,.92) 88%,#fff 100%)!important;
}
.visual-solution-card .solution-icon-badge{
  position:relative!important;z-index:3!important;
  width:48px!important;height:48px!important;
  margin:0 0 14px!important;
}
.visual-solution-card h3{margin-top:0!important}
.visual-solution-card .num{
  top:14px!important;right:14px!important;z-index:6!important;
}
/* The photographic crops themselves contain old mockup number circles.
   Cover that corner with the card's clean authored number on Home,
   and with the image fade/background on Mortgage Solutions. */
.visual-solution-card .solution-card-visual::before{
  content:"";position:absolute;z-index:2;right:0;top:0;width:58px;height:52px;
  background:linear-gradient(135deg,transparent 25%,rgba(226,235,241,.96) 72%);
}
/* Keep icon artwork unmistakable and consistent. */
.visual-solution-card .solution-icon{
  width:25px!important;height:25px!important;fill:none!important;
  stroke:#d49a18!important;stroke-width:1.8!important;
  stroke-linecap:round!important;stroke-linejoin:round!important;
}
@media(max-width:640px){
 .visual-solution-card{padding:0 24px 26px!important}
 .visual-solution-card .solution-card-visual{
   width:calc(100% + 48px)!important;height:175px!important;margin:0 -24px -24px!important;
 }
}

/* V130 — clean source photos: no baked-in badges/icons; true centered crop */
.visual-solution-card .solution-card-visual{
  height:190px!important;
  background-size:cover!important;
  background-position:50% 50%!important;
}
.visual-solution-card .solution-card-visual::before{display:none!important}
.visual-solution-card .solution-card-visual::after{
  background:linear-gradient(to bottom,rgba(255,255,255,0) 42%,rgba(255,255,255,.22) 60%,rgba(255,255,255,.94) 91%,#fff 100%)!important;
}
.solution-icon.hammer-icon{fill:#d49a18!important;stroke:none!important}

/* V131 — card photo flush alignment + distinct self-employed image */
.visual-solution-card{
  border-top:0!important;
}
.visual-solution-card .solution-card-visual{
  display:block!important;
  position:relative!important;
  width:calc(100% + 60px)!important;
  height:190px!important;
  margin:-1px -30px -25px!important;
  top:0!important;
  left:0!important;
  right:auto!important;
  background-size:cover!important;
  background-position:center center!important;
  border:0!important;
}
@media(max-width:640px){
 .visual-solution-card .solution-card-visual{
   width:calc(100% + 48px)!important;
   height:175px!important;
   margin:-1px -24px -24px!important;
 }
}

/* V132 — eliminate dark gap above ALL mortgage solution card images */
.visual-solution-card{
  position:relative!important;
  overflow:hidden!important;
  padding-top:165px!important;
  border-top:0!important;
}
.visual-solution-card .solution-card-visual{
  position:absolute!important;
  top:0!important;
  left:0!important;
  right:0!important;
  bottom:auto!important;
  width:100%!important;
  height:190px!important;
  margin:0!important;
  padding:0!important;
  border:0!important;
  outline:0!important;
  background-size:cover!important;
  background-position:center center!important;
  background-repeat:no-repeat!important;
}
.visual-solution-card .solution-icon-badge{
  position:relative!important;
  z-index:4!important;
  margin:0 0 14px!important;
}
.visual-solution-card .num{
  position:absolute!important;
  top:14px!important;
  right:14px!important;
  z-index:6!important;
}
@media(max-width:640px){
  .visual-solution-card{
    padding-top:150px!important;
  }
  .visual-solution-card .solution-card-visual{
    top:0!important;
    width:100%!important;
    height:175px!important;
    margin:0!important;
  }
}

/* V133 — lower photo fade so imagery blends into the title area */
.visual-solution-card .solution-card-visual:after{
  content:""!important;
  position:absolute!important;
  inset:0!important;
  pointer-events:none!important;
  background:linear-gradient(
    to bottom,
    rgba(255,255,255,0) 0%,
    rgba(255,255,255,0) 58%,
    rgba(255,255,255,.10) 68%,
    rgba(255,255,255,.48) 80%,
    rgba(255,255,255,.88) 92%,
    #fff 100%
  )!important;
}
.visual-solution-card{
  padding-top:176px!important;
}
.visual-solution-card .solution-card-visual{
  height:210px!important;
}
.visual-solution-card .solution-icon-badge{
  margin:0 0 10px!important;
}
@media(max-width:640px){
  .visual-solution-card{padding-top:162px!important}
  .visual-solution-card .solution-card-visual{height:196px!important}
}

/* V137 — prior-year property-tax fallback disclosure */
.tax-fallback-disclosure{display:block;margin-top:10px;font-size:.82rem;line-height:1.5;opacity:.78}

/* V141 — consistent calculator result presentation */
.calc-result-panel{margin-top:2px}
.calc-result-panel .cc-panel-heading{margin-bottom:4px}
.calc-result-panel .cc-row{padding:13px 0}
.calc-result-panel .cc-row strong{font-variant-numeric:tabular-nums;text-align:right}
.calc-result-note{margin-top:16px;padding-top:14px;border-top:1px solid #dce3e9;font-size:.84rem;line-height:1.55;color:#607080}
.calc-result-note .afford-result-consult-btn{display:inline-block;margin-top:12px}
@media(max-width:640px){
 .calc-result-panel .cc-row{align-items:flex-start;gap:18px}
 .calc-result-panel .cc-row strong{max-width:52%}
}

/* V143 — highlighted primary result, matching Closing Cost calculator */
.calc-hero-result{
  display:grid;
  grid-template-columns:minmax(0,1fr) auto;
  gap:28px;
  align-items:center;
  margin:0 0 12px;
  padding:28px 28px;
  background:#0c3048;
  color:#fff;
}
.calc-hero-result span{
  display:block;
  font-size:.78rem;
  line-height:1.25;
  font-weight:800;
  letter-spacing:.055em;
  text-transform:uppercase;
}
.calc-hero-result small{
  display:block;
  margin-top:10px;
  color:#fff;
  font-size:.78rem;
  line-height:1.4;
  font-weight:600;
  opacity:.96;
}
.calc-hero-result strong{
  color:#ffb72b;
  font-size:clamp(1.85rem,3.6vw,2.55rem);
  line-height:1;
  font-weight:850;
  white-space:nowrap;
  font-variant-numeric:tabular-nums;
}
@media(max-width:640px){
 .calc-hero-result{grid-template-columns:1fr;gap:14px;padding:22px}
 .calc-hero-result strong{white-space:normal}
}

/* V144 — calculator hero result contrast + single primary metric */
.calc-result .calc-hero-result strong,
.result .calc-hero-result strong,
.calc-hero-result > strong{
  color:#ffb72b!important;
  -webkit-text-fill-color:#ffb72b!important;
  opacity:1!important;
  visibility:visible!important;
}
.calc-hero-result{
  background:#0c3048!important;
}

/* V146 — downloadable resource document library */
.resource-doc-links{display:flex;flex-wrap:wrap;gap:8px 14px;margin-top:16px}
.resource-doc-link{display:inline-flex;align-items:center;font-weight:750;font-size:.86rem;color:#12324A;text-decoration:none;border-bottom:1px solid rgba(232,178,60,.7);padding-bottom:2px}
.resource-doc-link:hover{color:#b47b00;border-bottom-color:#b47b00}

/* V147 — shareable web document samples */
.resource-item-sample{display:flex;justify-content:space-between;gap:14px;align-items:center;color:inherit;text-decoration:none}
.resource-item-sample span{font-size:.76rem;font-weight:800;color:#a97500;white-space:nowrap}
.resource-item-sample:hover{color:#a97500}
.sample-document-page{background:#eef2f5;color:#10283b}
.sample-doc-header{background:#071725;border-bottom:1px solid rgba(255,255,255,.1)}
.sample-doc-nav{height:84px;display:flex;align-items:center;justify-content:space-between}
.sample-doc-brand img{width:105px;height:68px;object-fit:contain}
.sample-doc-nav a{color:#fff;text-decoration:none;font-size:.88rem;font-weight:700}
.sample-doc-hero{background:#071725;color:#fff;padding:58px 0 64px}
.sample-doc-hero .eyebrow{color:#e8b23c;font-size:.76rem;font-weight:800;letter-spacing:.1em}
.sample-doc-hero h1{margin:8px 0 12px;font-size:clamp(38px,5vw,64px);line-height:1.04}
.sample-doc-hero p{max-width:700px;margin:0;color:#c8d2da;line-height:1.65}
.sample-doc-stage{padding:44px 0 70px}
.sample-doc-browser-note{max-width:850px;margin:0 auto 14px;color:#607080;font-size:.86rem}
.sample-paper{box-sizing:border-box;width:min(850px,100%);min-height:1000px;margin:0 auto;background:#fff;padding:68px 72px;box-shadow:0 18px 50px rgba(7,23,37,.12);border:1px solid #dce3e9;font-family:Arial,"Noto Sans KR",sans-serif;font-size:15px;line-height:1.65;color:#1b2935}
.sample-paper-letterhead{border-bottom:3px solid #e8b23c;padding-bottom:17px;margin-bottom:36px;display:flex;justify-content:space-between;gap:20px;align-items:end;color:#0b263b}
.sample-paper-letterhead strong{font-size:18px;letter-spacing:.04em}
.sample-paper-letterhead span{font-size:11px;color:#657582;text-align:right}
.sample-paper-date{text-align:right;color:#657582;margin-bottom:34px}
.sample-paper p{margin:0 0 22px}
.sample-info-grid{display:grid;grid-template-columns:1fr 1fr;border:1px solid #dce3e9;margin:28px 0}
.sample-info-grid div{padding:15px 17px;border-bottom:1px solid #dce3e9}
.sample-info-grid div:nth-child(odd){border-right:1px solid #dce3e9}
.sample-info-grid span{display:block;font-size:10px;text-transform:uppercase;letter-spacing:.06em;color:#71808b;margin-bottom:5px}
.sample-info-grid strong{color:#102f46}
.sample-signature{margin-top:34px}
.sample-address{padding:18px 20px;background:#f3f6f8;border-left:3px solid #e8b23c;margin:8px 0 25px;font-weight:700}
.sample-signatures{display:grid;grid-template-columns:1fr 1fr;gap:50px;margin:55px 0 35px}
.sample-paper-alert{padding:16px 18px;background:#fff8e7;border:1px solid #ecd38e;font-size:13px}
.sample-doc-disclaimer{max-width:850px;margin:18px auto 0;color:#687783;font-size:.78rem;line-height:1.55}
@media(max-width:640px){
 .sample-doc-stage{padding:24px 0 50px}
 .sample-paper{min-height:0;padding:34px 25px;font-size:14px}
 .sample-paper-letterhead{align-items:flex-start;flex-direction:column}
 .sample-paper-letterhead span{text-align:left}
 .sample-info-grid{grid-template-columns:1fr}
 .sample-info-grid div:nth-child(odd){border-right:0}
 .sample-signatures{grid-template-columns:1fr;gap:30px}
}

/* V148 — employment-letter web sample based on supplied salary/wage references */
.sample-key-info{width:min(850px,100%);box-sizing:border-box;margin:0 auto 22px;padding:22px 25px;background:#fff;border:1px solid #dce3e9;border-left:4px solid #e8b23c}
.sample-key-info>span{display:block;font-weight:850;color:#0b263b;margin-bottom:12px}
.sample-key-info ul{display:grid;grid-template-columns:1fr 1fr;gap:7px 30px;margin:0;padding-left:18px;color:#506170;font-size:.88rem;line-height:1.45}
.sample-doc-tabs{width:min(850px,100%);margin:0 auto 12px;display:flex;gap:8px}
.sample-tab{appearance:none;border:1px solid #ccd7df;background:#fff;color:#12324a;padding:11px 17px;font-weight:800;cursor:pointer}
.sample-tab.active{background:#12324a;border-color:#12324a;color:#fff}
.sample-version{display:none}
.sample-version.active{display:block}
.sample-paper mark{background:#fff0bd;color:#10283b;padding:1px 3px;font-weight:750}
.sample-paper-letterhead>div{display:flex;flex-direction:column;gap:3px}
.sample-paper-letterhead em{font-style:normal;font-size:10px;font-weight:800;letter-spacing:.08em;color:#7b8993}
@media(max-width:640px){.sample-key-info ul{grid-template-columns:1fr}.sample-doc-tabs{flex-direction:column}.sample-tab{text-align:left}}

/* V149 — full sample-document library preview */
.sample-library-section{background:#f3f6f8}
.sample-library-section .section-heading{max-width:780px;margin-bottom:30px}
.sample-library-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px}
.sample-library-card{background:#fff;border:1px solid #d9e2e8;border-top:3px solid #e8b23c;padding:25px 26px}
.sample-library-card h3{margin:0 0 15px;color:#12324a;font-size:1.12rem}
.sample-library-card ul{list-style:none;padding:0;margin:0}
.sample-library-card li{border-top:1px solid #e5ebef}
.sample-library-card li:first-child{border-top:0}
.sample-library-card a,.sample-library-card .sample-missing{display:flex;justify-content:space-between;gap:18px;align-items:center;padding:11px 0;text-decoration:none}
.sample-library-card a span{color:#17364d;font-weight:700}.sample-library-card a b{color:#a97500;font-size:.78rem;white-space:nowrap}
.sample-library-card a:hover span{color:#a97500}
.sample-library-card .sample-missing span{color:#7c8992}.sample-library-card .sample-missing b{font-size:.75rem;color:#9aa5ad;white-space:nowrap}
.sample-paper-image{padding:24px!important;min-height:0!important}
.real-doc-image{display:block;width:100%;height:auto;border:1px solid #d9e1e6}
.doc-facsimile{min-height:760px;background:#fff;color:#172733;font-family:Arial,sans-serif;padding:48px;box-sizing:border-box}
.doc-facsimile h2{font-family:Arial,sans-serif;color:#111;font-size:24px;margin:12px 0 24px}
.doc-facsimile h4{font-family:Arial,sans-serif;margin:28px 0 8px;color:#333}
.f-head,.sample-paper-letterhead{display:flex;justify-content:space-between;gap:20px;border-bottom:3px solid #263d4b;padding-bottom:15px;margin-bottom:25px}
.f-grid{display:grid;border:1px solid #aab5bc;margin:20px 0}.f-grid.two{grid-template-columns:1fr 1fr}.f-grid.four{grid-template-columns:repeat(4,1fr)}
.f-grid>*{padding:10px;border-right:1px solid #d4dce1;border-bottom:1px solid #d4dce1}.f-grid small{display:block;color:#697780;margin-bottom:4px}
.f-table{display:grid;grid-template-columns:2fr 1fr 1fr;border-top:1px solid #9eabb3;border-left:1px solid #9eabb3}
.f-table>*{padding:9px;border-right:1px solid #9eabb3;border-bottom:1px solid #9eabb3}
.f-callout{padding:18px;background:#eef3f6;border-left:4px solid #e8b23c;margin:22px 0}.f-callout b{font-size:22px}
.tax-boxes{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:25px 0}.tax-boxes div{border:1px solid #777;padding:12px}.tax-boxes small{display:block;margin-bottom:5px}
.cra{font-weight:800;border-bottom:4px solid #d71920;padding-bottom:10px}.irs{font-weight:800;border-bottom:4px solid #111;padding-bottom:10px}.kr-gov{font-weight:800;border-bottom:4px solid #1e4f91;padding-bottom:10px}
.sample-source-note{max-width:850px;margin:12px auto;color:#687783;font-size:.78rem}
@media(max-width:760px){.sample-library-grid{grid-template-columns:1fr}.doc-facsimile{padding:24px;min-height:0}.f-grid.two,.f-grid.four,.tax-boxes{grid-template-columns:1fr}.f-table{font-size:12px}}

/* V150 — document rows on the main Resource cards are directly clickable */
.resource-library-card li.has-sample{padding:0!important;list-style:none}
.resource-library-card li.has-sample a{
  display:flex!important;align-items:center;justify-content:space-between;gap:12px;
  width:100%;padding:7px 0;color:inherit;text-decoration:none;
}
.resource-library-card li.has-sample a span{color:inherit}
.resource-library-card li.has-sample a b{
  color:#a97500;font-size:.72rem;font-weight:800;white-space:nowrap;opacity:.9;
}
.resource-library-card li.has-sample a:hover span{color:#a97500}
.resource-library-card li.has-sample a:hover b{transform:translateX(2px)}
.resource-library-card li.has-sample a b{transition:transform .15s ease}

/* V151 — Resource list alignment + simplified View link */
.resource-library-card ul,
.sample-library-card ul{list-style:none!important;padding-left:0!important;margin-left:0!important}

.resource-library-card li,
.sample-library-card li{
  position:relative;
  list-style:none!important;
}

.resource-library-card li:not(.has-sample)::before{
  content:"";
  position:absolute;
  left:0;
  top:50%;
  width:5px;
  height:5px;
  margin-top:-2.5px;
  border-radius:50%;
  background:#d6a52c;
}

.resource-library-card li:not(.has-sample){
  padding-left:17px!important;
}

.resource-library-card li.has-sample a{
  position:relative;
  display:grid!important;
  grid-template-columns:minmax(0,1fr) auto!important;
  gap:18px!important;
  align-items:center!important;
  padding:8px 0 8px 17px!important;
  line-height:1.35!important;
}

.resource-library-card li.has-sample a::before{
  content:"";
  position:absolute;
  left:0;
  top:50%;
  width:5px;
  height:5px;
  margin-top:-2.5px;
  border-radius:50%;
  background:#d6a52c;
}

.resource-library-card li.has-sample a span{
  min-width:0!important;
  padding:0!important;
}

.resource-library-card li.has-sample a b{
  position:static!important;
  display:block!important;
  min-width:38px!important;
  padding:0!important;
  margin:0!important;
  text-align:right!important;
  font-size:.75rem!important;
  line-height:1.2!important;
  white-space:nowrap!important;
  color:#a97500!important;
}

.sample-library-card a{
  display:grid!important;
  grid-template-columns:minmax(0,1fr) auto!important;
  gap:18px!important;
}
.sample-library-card a b{white-space:nowrap!important}

.sample-bottom-nav{
  width:min(850px,calc(100% - 32px));
  margin:30px auto 55px;
  display:flex;
  justify-content:center;
}
.sample-back-btn{
  background:#12324a!important;
  border-color:#12324a!important;
  color:#fff!important;
  text-decoration:none!important;
}
.sample-back-btn:hover{background:#0b263b!important;border-color:#0b263b!important}

@media(max-width:640px){
  .resource-library-card li.has-sample a{gap:10px!important}
  .resource-library-card li.has-sample a b{font-size:.72rem!important}
}

/* V152 — real supplied document imagery + Korean/US resource cards */
.real-document-stack{width:min(900px,100%);margin:0 auto;display:grid;gap:22px}
.real-page-wrap{position:relative;background:#fff;box-shadow:0 14px 38px rgba(7,23,37,.12);border:1px solid #d8e0e5;overflow:hidden}
.real-page-wrap>img{display:block;width:100%;height:auto}
.privacy-mask{position:absolute;background:#172b3a;color:#fff;font:700 10px/1 Arial,sans-serif;letter-spacing:.06em;padding:8px 10px;z-index:5}
.mask-top-left{left:3%;top:4%;width:37%;height:7%;display:flex;align-items:center;justify-content:center}
.mask-top-right{right:3%;top:4%;width:22%;height:7%;display:flex;align-items:center;justify-content:center}
.sample-variant-nav{width:min(900px,100%);margin:0 auto 14px;display:flex;gap:8px}
.sample-variant-nav a{padding:10px 15px;border:1px solid #cbd6de;background:#fff;color:#12324a;text-decoration:none;font-weight:800;font-size:.82rem}
.sample-variant-nav a.active{background:#12324a;color:#fff;border-color:#12324a}
.resource-library-card>ul>li>a{display:grid!important;grid-template-columns:minmax(0,1fr) auto!important;gap:14px!important;align-items:center!important;color:inherit;text-decoration:none}
.resource-library-card>ul>li>a b{font-size:.75rem;color:#a97500;white-space:nowrap}

/* V153 — cards 07/08 match the established Document Preparation cards */
.resource-library-grid,
.resource-grid{
  grid-auto-rows:1fr;
}
.resource-library-card{
  min-width:0;
  height:100%;
  box-sizing:border-box;
}
.resource-library-card:nth-child(7),
.resource-library-card:nth-child(8){
  width:auto!important;
  max-width:none!important;
  min-height:0!important;
  grid-column:auto!important;
}

/* V153 — precise redaction overlays only; no generic header censorship */
.real-page-wrap .privacy-mask{display:none!important}
.precise-redaction{
 position:absolute;background:#111!important;color:transparent!important;
 z-index:6;border-radius:1px;box-shadow:none!important;
}

.sample-library-section{display:none!important}

/* V154 — bank statement lender tabs */
.sample-bank-tabs{width:min(900px,100%);margin:0 auto 16px;display:flex;gap:8px;flex-wrap:wrap}
.sample-bank-tab{appearance:none;border:1px solid #cbd6de;background:#fff;color:#12324a;padding:11px 18px;font:800 .82rem/1 Arial,sans-serif;cursor:pointer}
.sample-bank-tab.active{background:#12324a;border-color:#12324a;color:#fff}
.sample-bank-panel{display:none}.sample-bank-panel.active{display:block}
@media(max-width:640px){.sample-bank-tabs{display:grid;grid-template-columns:1fr 1fr}.sample-bank-tab{width:100%}}

/* V159 — realistic recreated document facsimiles */
.real-doc{font-family:Arial,Helvetica,sans-serif;color:#111;background:#fff;position:relative}
.real-doc:before{content:"SAMPLE — FOR REFERENCE ONLY";position:absolute;top:46%;left:10%;right:10%;text-align:center;transform:rotate(-28deg);font-size:44px;font-weight:900;letter-spacing:.08em;color:rgba(20,40,55,.055);pointer-events:none;z-index:0}
.real-doc>*{position:relative;z-index:1}.bank-head{display:flex;justify-content:space-between;align-items:flex-start;border-bottom:2px solid #111;padding-bottom:18px;margin-bottom:26px}.bank-logo-text{font-size:28px;font-weight:900;letter-spacing:-.04em}.bank-head .doc-title{font-size:20px;font-weight:700;text-align:right}.td-brand{color:#16823b}.cibc-brand{color:#c41f3e}.bmo-brand{color:#0075be}.scotia-brand{color:#d71920}.eq-brand{color:#ef6c00}.doc-muted{color:#555;font-size:12px}.doc-rule{border-top:2px solid #111;margin:18px 0}.doc-section-title{font-size:18px;font-weight:700;border-bottom:2px solid #111;padding:0 0 8px;margin:22px 0 10px}.doc-table{width:100%;border-collapse:collapse;font-size:12px}.doc-table th,.doc-table td{padding:8px 7px;border-bottom:1px solid #999;text-align:right;vertical-align:top}.doc-table th:first-child,.doc-table td:first-child{text-align:left}.doc-table .total td{font-weight:800;border-top:2px solid #111;border-bottom:2px solid #111}.doc-two-col{display:grid;grid-template-columns:1fr 1fr;gap:16px 28px}.doc-field{border-bottom:1px solid #888;padding:6px 0 8px}.doc-field small{display:block;color:#666;font-size:10px;text-transform:uppercase;letter-spacing:.05em}.doc-field b{display:block;margin-top:3px}.sample-chip{display:inline-block;padding:4px 8px;border:1px solid #b9c4cc;background:#f3f6f8;font-size:10px;font-weight:800;letter-spacing:.08em}.form-box{border:1px solid #222;padding:16px;margin:12px 0}.form-line{display:grid;grid-template-columns:180px 1fr;gap:12px;border-bottom:1px solid #bbb;padding:7px 0;font-size:12px}.form-line:last-child{border-bottom:0}.id-card{max-width:620px;margin:0 auto;border-radius:14px;border:1px solid #9aa6af;background:linear-gradient(135deg,#eef4f7,#fff 55%,#e9eff2);padding:22px;box-shadow:0 10px 30px rgba(0,0,0,.08)}.id-card-head{display:flex;justify-content:space-between;align-items:center;border-bottom:3px solid #1d5d88;padding-bottom:12px;margin-bottom:16px}.id-photo{width:112px;height:138px;background:#d6dde2;display:flex;align-items:center;justify-content:center;font-weight:800;color:#667782}.id-grid{display:grid;grid-template-columns:120px 1fr;gap:18px}.mls-head{display:flex;justify-content:space-between;gap:20px;align-items:center;border-bottom:4px solid #174f78;padding-bottom:12px}.mls-price{font-size:28px;font-weight:900}.mls-photo{height:240px;background:linear-gradient(135deg,#cbd7df,#f3f6f8);display:flex;align-items:center;justify-content:center;color:#657783;font-weight:800;margin:18px 0}.tax-head{display:flex;justify-content:space-between;align-items:flex-start;border-bottom:4px solid #154c6c;padding-bottom:14px}.tax-city{font-size:25px;font-weight:900;color:#154c6c}.contract-head{text-align:center;border-bottom:3px double #222;padding-bottom:12px}.contract-head h2{font-size:22px;margin:0 0 5px}.contract-clause{display:grid;grid-template-columns:34px 1fr;gap:10px;margin:12px 0;font-size:12px}.deposit-receipt{border:2px solid #222;padding:28px}.receipt-title{text-align:center;font-size:24px;font-weight:900;letter-spacing:.08em;margin-bottom:24px}.statement-brand{font-size:18px;font-weight:800}.sample-trademark-note{font-size:10px;color:#687783;margin-top:18px;line-height:1.45}
@media(max-width:640px){.doc-two-col{grid-template-columns:1fr}.bank-head{flex-direction:column;gap:10px}.bank-head .doc-title{text-align:left}.form-line{grid-template-columns:1fr}.id-grid{grid-template-columns:1fr}.mls-photo{height:170px}.real-doc:before{font-size:26px}}

/* V160 — strata document samples */
.sample-scroll-stack{width:min(900px,100%);margin:0 auto;display:grid;gap:26px}
.strata-paper{margin:0 auto!important}
.strata-centered{text-align:center}
.strata-centered h1{font:800 23px/1.15 Arial,sans-serif;margin:12px 0 6px}
.strata-centered h2{font:800 18px/1.2 Arial,sans-serif;margin:0 0 4px}
.strata-item{font:12px/1.45 Arial,sans-serif;margin:17px 0}
.strata-item>b{display:block;margin-bottom:3px}
.strata-item p{margin:0}
.strata-item strong{float:right}
.strata-running-head{display:flex;justify-content:space-between;gap:20px;border-bottom:2px solid #222;padding-bottom:8px;margin-bottom:20px;font:11px/1.35 Arial,sans-serif}
.strata-grid{border-collapse:collapse}
.strata-grid th,.strata-grid td{border:1px solid #555!important;text-align:center!important;padding:7px!important}
.strata-grid th{background:#eef1f3;font-weight:800}
.table-scroll{overflow-x:auto;margin:12px 0 20px}
.sample-page-no{text-align:right;margin-top:28px;font:11px Arial,sans-serif}
.disclosure-fields{margin:28px 0}
.disclosure-fields .doc-field span{display:block;font-size:12px;margin-top:3px}
.strata-schedule-title{text-align:center;font:800 17px/1.25 Arial,sans-serif;margin:18px 0}
@media(max-width:640px){
 .strata-item strong{float:none;display:block;margin-top:4px}
 .strata-running-head{font-size:9px}
 .strata-grid{min-width:680px}
}

/* V166 exact Property & Purchase document samples */
.exact-doc-stack{width:min(980px,100%);gap:24px}
.exact-doc-page{display:block;width:100%;height:auto;background:#fff;border:1px solid rgba(15,35,58,.13);box-shadow:0 14px 38px rgba(10,24,42,.12);border-radius:2px}
@media(max-width:700px){.exact-doc-stack{gap:14px}.exact-doc-page{box-shadow:0 8px 22px rgba(10,24,42,.10)}}

/* V171 — Government ID sample display: match other static document samples */
.government-id-static{width:min(980px,100%);margin:0 auto}
.government-id-page{width:100%;height:auto;max-height:none;object-fit:contain}

/* V173 — locked sample presentation fix only:
   center Bank Statement and FHSA/RRSP sample documents without altering assets. */
body.bank-statement-sample .sample-scroll-stack,
body.fhsa-rrsp-sample .sample-scroll-stack,
.bank-statement-center,
.fhsa-rrsp-center {
  width: min(980px, 100%);
  margin-left: auto !important;
  margin-right: auto !important;
}
.bank-statement-center img,
.fhsa-rrsp-center img {
  display: block;
  margin-left: auto !important;
  margin-right: auto !important;
}

/* V174 — locked samples: layout-only correction */
.bank-statement-sample .sample-bank-intro,
.bank-statement-sample .approved-sample-frame {
  width: min(980px, 100%);
  margin-left: auto !important;
  margin-right: auto !important;
}
.bank-statement-sample .approved-sample-frame img {
  display: block;
  width: 100%;
  height: auto;
  margin-left: auto !important;
  margin-right: auto !important;
}

/* V175 — locked sample layout correction only */
.investment-statement-sample .sample-doc-stage > .wrap,
.fhsa-rrsp-sample .sample-doc-stage > .wrap {
  width: min(980px, calc(100% - 40px));
  margin-left: auto !important;
  margin-right: auto !important;
}
.investment-statement-sample .approved-sample-frame,
.investment-statement-sample .sample-version,
.investment-statement-sample .sample-scroll-stack,
.fhsa-rrsp-sample .approved-sample-frame,
.fhsa-rrsp-sample .sample-version,
.fhsa-rrsp-sample .sample-scroll-stack {
  width: 100%;
  max-width: 980px;
  margin-left: auto !important;
  margin-right: auto !important;
}
.investment-statement-sample .approved-sample-frame img,
.investment-statement-sample .sample-version img,
.fhsa-rrsp-sample .approved-sample-frame img,
.fhsa-rrsp-sample .sample-version img {
  display: block;
  max-width: 100%;
  height: auto;
  margin-left: auto !important;
  margin-right: auto !important;
}

/* V177 — Articles of Incorporation / Notice of Articles sample presentation */
.articles-incorporation-sample .sample-doc-stage > .wrap {
  width: min(1080px, calc(100% - 40px));
  margin-left: auto !important;
  margin-right: auto !important;
}
.articles-incorporation-sample .sample-scroll-stack,
.articles-incorporation-sample .exact-doc-stack,
.articles-incorporation-sample .approved-sample-frame {
  width: min(900px, 100%);
  max-width: 900px;
  margin-left: auto !important;
  margin-right: auto !important;
}
.articles-incorporation-sample .sample-scroll-stack img,
.articles-incorporation-sample .exact-doc-stack img,
.articles-incorporation-sample .approved-sample-frame img {
  display: block;
  width: 100% !important;
  max-width: 900px !important;
  height: auto !important;
  margin-left: auto !important;
  margin-right: auto !important;
}

/* V179 VERIFIED — exact Articles sample wrapper */
body.articles-incorporation-sample .sample-doc-stage > .wrap {
  width: 100% !important;
  max-width: 1200px !important;
  margin-left: auto !important;
  margin-right: auto !important;
  padding-left: 24px !important;
  padding-right: 24px !important;
}
body.articles-incorporation-sample .articles-pages-locked {
  width: 900px !important;
  max-width: calc(100vw - 48px) !important;
  margin: 18px auto 0 !important;
  padding: 0 !important;
}
body.articles-incorporation-sample .articles-pages-locked img {
  display: block !important;
  width: 900px !important;
  max-width: 100% !important;
  height: auto !important;
  margin: 0 auto 28px !important;
}
@media (max-width: 700px) {
  body.articles-incorporation-sample .articles-pages-locked {
    width: 100% !important;
  }
  body.articles-incorporation-sample .articles-pages-locked img {
    width: 100% !important;
  }
}

/* V181 — U.S. Income exact uploaded samples */
.us-income-exact-sample .sample-doc-stage > .wrap{
  width:min(1100px,calc(100% - 40px));
  margin-left:auto!important;
  margin-right:auto!important;
}
.us-income-exact-stack{
  width:min(900px,100%);
  margin:24px auto 0!important;
}
.us-income-doc-page{
  display:block;
  width:100%!important;
  max-width:900px!important;
  height:auto!important;
  margin:0 auto 28px!important;
  background:#fff;
}

/* V182 — Korean Income exact user-provided samples */
.korean-income-exact-sample .sample-doc-stage>.wrap{
  width:min(1100px,calc(100% - 40px));margin-left:auto!important;margin-right:auto!important;
}
.korean-income-exact-stack{
  width:min(900px,100%);margin:24px auto 0!important;
}
.korean-income-exact-stack img{
  display:block;width:100%!important;max-width:900px!important;height:auto!important;
  margin:0 auto 28px!important;background:#fff;
}
.korean-income-tabs{width:min(900px,100%);margin:18px auto 0!important;display:flex;gap:8px}
.korean-income-tabs .sample-tab{
  appearance:none;border:1px solid #cbd5df;background:#fff;color:#082238;
  padding:12px 18px;font:inherit;font-weight:700;cursor:pointer;
}
.korean-income-tabs .sample-tab.active{background:#082d49;color:#fff;border-color:#082d49}
.korean-income-tab-panel{width:100%}


/* V186 — premium lender-card refinement only */
.lender-network .lender-type-card{
  position:relative!important;
  overflow:hidden!important;
  background:
    linear-gradient(145deg,rgba(255,255,255,.975),rgba(246,249,251,.955))!important;
  border:1px solid rgba(198,211,221,.88)!important;
  border-radius:13px!important;
  box-shadow:
    0 14px 34px rgba(2,16,29,.14),
    0 2px 7px rgba(2,16,29,.06),
    inset 0 1px 0 rgba(255,255,255,.96)!important;
  backdrop-filter:blur(8px);
  -webkit-backdrop-filter:blur(8px);
  transition:transform .28s ease,box-shadow .28s ease,border-color .28s ease!important;
}
.lender-network .lender-type-card::before{
  content:"";
  position:absolute;
  top:0;
  left:26px;
  width:48px;
  height:2px;
  border-radius:0 0 3px 3px;
  background:linear-gradient(90deg,#d6a62f,#f0c65b);
  opacity:.92;
  transition:width .28s ease,opacity .28s ease;
}
.lender-network .lender-type-card::after{
  content:"";
  position:absolute;
  inset:0;
  pointer-events:none;
  background:
    radial-gradient(circle at 14% 8%,rgba(255,255,255,.72),transparent 28%),
    linear-gradient(120deg,rgba(255,255,255,.12),transparent 36%);
  opacity:.55;
}
.lender-network .lender-type-card>*{
  position:relative;
  z-index:1;
}
.lender-network .lender-type-card h3{
  color:#082d49!important;
  letter-spacing:-.015em;
}
.lender-network .lender-type-card>p{
  color:#536b7e!important;
}
.lender-network .lender-type-card:hover{
  transform:translateY(-4px);
  border-color:rgba(205,166,67,.48)!important;
  box-shadow:
    0 20px 44px rgba(2,16,29,.18),
    0 4px 12px rgba(2,16,29,.07),
    inset 0 1px 0 rgba(255,255,255,.98)!important;
}
.lender-network .lender-type-card:hover::before{
  width:72px;
  opacity:1;
}
@media (prefers-reduced-motion:reduce){
  .lender-network .lender-type-card,
  .lender-network .lender-type-card::before{transition:none!important}
  .lender-network .lender-type-card:hover{transform:none}
}


/* V187 — cinematic skyline confined to homepage hero */
body.home .hero,
.home-hero,
.hero-home{
  position:relative;
  isolation:isolate;
  overflow:hidden;
}
body.home .hero::after,
.home-hero::after,
.hero-home::after{
  content:"";
  position:absolute;
  z-index:-1;
  left:0;
  right:0;
  bottom:0;
  height:31%;
  background:
    linear-gradient(to bottom,rgba(5,20,34,1) 0%,rgba(5,20,34,.48) 20%,rgba(5,20,34,.08) 48%,rgba(5,20,34,.08) 100%),
    url("assets/hero-vancouver-skyline-v187.jpg") center bottom/cover no-repeat;
  opacity:.92;
  pointer-events:none;
}
@media(max-width:760px){
  body.home .hero::after,
  .home-hero::after,
  .hero-home::after{
    height:25%;
    background-position:58% bottom;
    opacity:.82;
  }
}


/* V188 — visible cinematic skyline + restored/refined Orbit ribbon */
body.home .hero{
  position:relative;
  isolation:isolate;
  overflow:hidden;
}
body.home .hero::before{
  z-index:0!important;
}
body.home .hero::after{
  content:""!important;
  position:absolute!important;
  left:0!important;
  right:0!important;
  bottom:0!important;
  height:38%!important;
  z-index:1!important;
  clip-path:none!important;
  opacity:.88!important;
  pointer-events:none!important;
  background:
    linear-gradient(to bottom,
      rgba(7,23,36,1) 0%,
      rgba(7,23,36,.72) 14%,
      rgba(7,23,36,.18) 38%,
      rgba(3,12,20,.10) 100%),
    url("assets/hero-vancouver-skyline-v188.jpg") center bottom / cover no-repeat!important;
}
body.home .hero .hero-grid{
  position:relative;
  z-index:3;
}
body.home .hero-logo{
  position:relative;
  z-index:4;
}
@media(max-width:760px){
  body.home .hero::after{
    height:29%!important;
    opacity:.72!important;
    background-position:58% bottom!important;
  }
}


/* V189 — full-height crisp cinematic skyline background */
body.home .hero{
  position:relative;
  isolation:isolate;
  overflow:hidden;
  background:
    linear-gradient(90deg,
      rgba(4,20,34,.22) 0%,
      rgba(4,20,34,.08) 44%,
      rgba(4,20,34,.05) 100%),
    url("assets/hero-vancouver-full-v189.jpg") center center / cover no-repeat !important;
}
body.home .hero::before{
  content:"" !important;
  position:absolute !important;
  inset:0 !important;
  z-index:1 !important;
  pointer-events:none !important;
  background:
    linear-gradient(to bottom,
      rgba(3,15,26,.08) 0%,
      rgba(3,15,26,.02) 46%,
      rgba(3,15,26,.10) 100%) !important;
}
body.home .hero::after{
  display:none !important;
  content:none !important;
}
body.home .hero .hero-grid{
  position:relative;
  z-index:3;
}
body.home .hero-logo{
  position:relative;
  z-index:4;
}
@media(max-width:760px){
  body.home .hero{
    background-position:56% center !important;
  }
}


/* V190 — seamless full-bleed hero through navigation */
body.home{
  background:#061522;
}
body.home .top{
  position:absolute !important;
  top:0; left:0; right:0;
  background:linear-gradient(to bottom,rgba(3,14,24,.44),rgba(3,14,24,.10)) !important;
  backdrop-filter:none !important;
  border-bottom:1px solid rgba(255,255,255,.10);
}
body.home main{
  position:relative;
}
body.home .hero{
  min-height:760px !important;
  padding-top:180px !important;
  background:
    linear-gradient(90deg,rgba(3,16,28,.18),rgba(3,16,28,.04) 48%,rgba(3,16,28,.06)),
    url("assets/hero-vancouver-full-v190.jpg") center top / cover no-repeat !important;
}
body.home .hero::before{
  background:linear-gradient(to bottom,rgba(2,12,22,.04),rgba(2,12,22,.02) 55%,rgba(2,12,22,.14)) !important;
}
body.home .hero-logo img.main{
  width:min(560px,100%) !important;
  max-width:560px !important;
  height:auto !important;
  object-fit:contain !important;
  filter:drop-shadow(0 12px 30px rgba(0,0,0,.25));
}
@media(max-width:850px){
  body.home .top{position:relative !important;background:#071725 !important}
  body.home .hero{
    padding-top:72px !important;
    min-height:auto !important;
    background-position:58% top !important;
  }
  body.home .hero-logo img.main{max-width:480px !important}
}

/* V191 — single full-bleed cinematic scene behind nav + hero */
body.home{background:#061522}
body.home .top{
  position:absolute!important; inset:0 0 auto 0!important; z-index:50!important;
  background:linear-gradient(to bottom,rgba(2,12,22,.36),rgba(2,12,22,.06))!important;
  border-bottom:1px solid rgba(255,255,255,.10)!important; backdrop-filter:none!important;
}
body.home .hero{
  min-height:760px!important; padding-top:180px!important;
  background:
    linear-gradient(90deg,rgba(3,14,25,.16),rgba(3,14,25,.02) 48%,rgba(3,14,25,.04)),
    url("assets/hero-cinematic-vancouver-v191.png") center center/cover no-repeat!important;
}
body.home .hero::before,body.home .hero::after{display:none!important;content:none!important}
body.home .hero-grid{position:relative!important;z-index:3!important}
body.home .hero-logo{position:relative!important;z-index:4!important}
body.home .hero-logo img.main{
  width:min(560px,100%)!important;max-width:560px!important;height:auto!important;
  object-fit:contain!important;display:block!important;
  filter:drop-shadow(0 12px 28px rgba(0,0,0,.22))!important
}
@media(max-width:850px){
 body.home .top{position:relative!important;background:#071725!important}
 body.home .hero{min-height:auto!important;padding-top:72px!important;background-position:52% center!important}
 body.home .hero-logo img.main{max-width:480px!important}
}


/* V192 — approved composition: keep more sky and move city/light line lower */
body.home .hero{
  background-position:center top !important;
}
body.home .hero-logo img.main{
  width:min(560px,100%) !important;
  max-width:560px !important;
  height:auto !important;
  object-fit:contain !important;
  display:block !important;
}
@media(max-width:850px){
  body.home .hero{background-position:52% top !important;}
}


/* V193 — reference composition:
   one continuous image from top navigation through the BOTTOM of the stats bar */
@media(min-width:851px){
  body.home main{
    position:relative;
    background:
      linear-gradient(90deg,rgba(3,14,25,.10),rgba(3,14,25,.01) 48%,rgba(3,14,25,.025)),
      url("assets/hero-cinematic-vancouver-v193-wide.jpg") center top / 100% auto no-repeat !important;
  }
  body.home .hero{
    background:none !important;
    min-height:760px !important;
  }
  body.home .stats{
    position:relative !important;
    z-index:5 !important;
    margin-top:-1px !important;
    background:rgba(5,24,39,.93) !important;
  }
  body.home .section:first-of-type{
    position:relative;
    z-index:6;
    background:#fff;
  }
}
/* Keep the established mobile treatment rather than forcing the ultra-wide crop. */
@media(max-width:850px){
  body.home .hero{
    background:
      linear-gradient(90deg,rgba(3,14,25,.16),rgba(3,14,25,.02) 48%,rgba(3,14,25,.04)),
      url("assets/hero-cinematic-vancouver-v191.png") 52% center / cover no-repeat !important;
  }
}


/* V195 — exact approved skyline-to-stats alignment */
@media(min-width:851px){
  body.home main{
    background:
      linear-gradient(90deg,rgba(3,14,25,.10),rgba(3,14,25,.01) 48%,rgba(3,14,25,.025)),
      url("assets/hero-cinematic-vancouver-v193-wide.jpg")
      center 80px / 100% auto no-repeat !important;
  }
  body.home .hero{
    background:none !important;
  }
}


/* V196 — preserve approved V195 skyline placement, fill the 80px top extension
   with matching sky, and normalize EN/KR homepage branding/navigation. */
@media(min-width:851px){
  body.home main{
    /* V195 image remains at the approved 80px vertical offset.
       The added sky layers fill the area above it instead of leaving a gap. */
    background:
      linear-gradient(to bottom,
        rgba(4,25,49,1) 0px,
        rgba(5,31,59,.98) 44px,
        rgba(7,39,70,.92) 80px,
        rgba(7,39,70,0) 126px),
      radial-gradient(ellipse at 18% 0%,
        rgba(20,57,91,.72) 0%,
        rgba(8,35,65,.38) 48%,
        rgba(4,24,47,0) 76%),
      linear-gradient(90deg,rgba(3,14,25,.10),rgba(3,14,25,.01) 48%,rgba(3,14,25,.025)),
      url("assets/hero-cinematic-vancouver-v193-wide.jpg")
      center 80px / 100% auto no-repeat !important;
    background-color:#061b34 !important;
  }

  /* Lock the homepage hero logo to one identical rendered size in both languages. */
  body.home .hero-logo img.main,
  html[lang="ko"] body.home .hero-logo img.main{
    width:560px !important;
    max-width:560px !important;
    height:auto !important;
    object-fit:contain !important;
  }

  /* Keep the toolbar's physical spacing/height consistent between EN and KR. */
  body.home .top .nav,
  html[lang="ko"] body.home .top .nav{
    min-height:90px !important;
    height:90px !important;
    gap:28px !important;
  }
  body.home .top .brand,
  html[lang="ko"] body.home .top .brand{
    width:112px !important;
    min-width:112px !important;
    margin-right:auto !important;
  }
  body.home .top .brand img,
  html[lang="ko"] body.home .top .brand img{
    width:112px !important;
    height:74px !important;
    object-fit:contain !important;
  }
  body.home .top .navlinks,
  html[lang="ko"] body.home .top .navlinks{
    display:flex !important;
    align-items:center !important;
    gap:30px !important;
    white-space:nowrap !important;
  }
  html[lang="ko"] body.home .top .navlinks{
    font-size:13px !important;
  }
  html[lang="en"] body.home .top .navlinks{
    font-size:15px !important;
  }
  body.home .top .lang-switch{
    flex:0 0 auto !important;
  }
}


/* V197 — UI consistency pass */

/* 1) Homepage toolbar now uses the same desktop geometry as the site's other tabs.
      Keep the homepage transparent/full-bleed treatment, but remove the special
      EN/KR sizing differences introduced in V196. */
@media(min-width:851px){
  body.home .top .nav,
  html[lang="ko"] body.home .top .nav{
    min-height:90px !important;
    height:auto !important;
    gap:28px !important;
  }
  body.home .top .brand,
  html[lang="ko"] body.home .top .brand{
    width:auto !important;
    min-width:0 !important;
    margin-right:auto !important;
  }
  body.home .top .brand img,
  html[lang="ko"] body.home .top .brand img{
    width:118px !important;
    height:72px !important;
    object-fit:contain !important;
  }
  body.home .top .navlinks,
  html[lang="ko"] body.home .top .navlinks{
    display:flex !important;
    align-items:center !important;
    gap:30px !important;
    font-size:15px !important;
    white-space:nowrap !important;
  }
}

/* 2) FAQ + Tools page titles: match the visual scale used by the other main tabs. */
body:not(.home) .page-hero.compact h1{
  font-size:clamp(34px,4vw,52px) !important;
  line-height:1.10 !important;
  letter-spacing:-.035em !important;
  max-width:900px;
}
html[lang="ko"] body:not(.home) .page-hero.compact h1{
  font-size:clamp(34px,4vw,52px) !important;
  line-height:1.14 !important;
  letter-spacing:-.03em !important;
}

/* 3) Resources — premium featured First-Time Home Buyer Guide treatment. */
.resource-feature-section{
  background:
    radial-gradient(circle at 86% 18%,rgba(231,178,58,.10),transparent 30%),
    linear-gradient(180deg,#f7f9fb 0%,#ffffff 100%) !important;
}
.resource-feature-card{
  position:relative;
  overflow:hidden;
  grid-template-columns:minmax(0,1fr) auto !important;
  gap:44px !important;
  padding:48px 52px !important;
  border:1px solid rgba(18,53,82,.20) !important;
  border-left:0 !important;
  border-radius:10px !important;
  background:
    linear-gradient(115deg,rgba(5,24,39,.985) 0%,rgba(8,35,57,.975) 62%,rgba(12,48,75,.96) 100%) !important;
  box-shadow:0 18px 46px rgba(7,27,44,.16) !important;
  color:#fff !important;
}
.resource-feature-card::before{
  content:"";
  position:absolute;
  left:0;top:0;bottom:0;
  width:5px;
  background:linear-gradient(180deg,#f0c65d,#d69e24);
}
.resource-feature-card::after{
  content:"";
  position:absolute;
  width:300px;height:300px;
  right:-100px;top:-150px;
  border:1px solid rgba(231,178,58,.20);
  border-radius:50%;
  box-shadow:0 0 0 42px rgba(231,178,58,.035),0 0 0 86px rgba(231,178,58,.025);
  pointer-events:none;
}
.resource-feature-card .eyebrow{
  display:inline-flex;
  align-items:center;
  gap:9px;
  color:#f1c35a !important;
}
.resource-feature-card .eyebrow::before{
  content:"";
  width:28px;height:1px;
  background:#e7b23a;
}
.resource-feature-card h2{
  margin:12px 0 12px !important;
  color:#fff !important;
  font-size:clamp(32px,3.3vw,46px) !important;
  line-height:1.08 !important;
}
.resource-feature-card p{
  max-width:760px !important;
  color:#c7d3df !important;
  line-height:1.72 !important;
  font-size:16px;
}
.resource-feature-card strong{
  display:inline-flex;
  align-items:center;
  margin-top:8px;
  padding-bottom:4px;
  color:#f1c35a !important;
  border-bottom:1px solid rgba(241,195,90,.55);
  transition:.2s ease;
}
.resource-feature-card:hover{
  transform:translateY(-3px) !important;
  box-shadow:0 24px 58px rgba(7,27,44,.22) !important;
  border-color:rgba(231,178,58,.38) !important;
}
.resource-feature-card:hover strong{
  color:#ffd978 !important;
  border-color:#ffd978;
}
.resource-feature-mark{
  position:relative;
  z-index:1;
  align-self:center;
  min-width:112px;
  height:112px;
  display:flex !important;
  align-items:center;
  justify-content:center;
  border-radius:50%;
  border:1px solid rgba(231,178,58,.34);
  background:rgba(255,255,255,.035);
  color:rgba(241,195,90,.72) !important;
  font-size:52px !important;
  line-height:1 !important;
  font-weight:800 !important;
  letter-spacing:-.05em;
}
@media(max-width:850px){
  .resource-feature-card{
    grid-template-columns:1fr !important;
    padding:34px 28px !important;
  }
  .resource-feature-mark{display:none !important}
}


/* V198 — exact cross-page navigation + FAQ/Tools hero spacing consistency */

/* Homepage toolbar: use the same final desktop geometry/placement as all other tabs. */
@media(min-width:851px){
  body.home .top,
  html[lang="ko"] body.home .top{
    position:sticky !important;
    top:0 !important;
    left:auto !important;
    right:auto !important;
    z-index:30 !important;
    background:rgba(4,13,23,.94) !important;
    border-bottom:1px solid rgba(138,173,205,.24) !important;
    backdrop-filter:none !important;
  }
  body.home .top .nav,
  html[lang="ko"] body.home .top .nav{
    min-height:90px !important;
    height:auto !important;
    gap:28px !important;
  }
  body.home .top .brand,
  html[lang="ko"] body.home .top .brand{
    width:auto !important;
    min-width:0 !important;
    margin-right:auto !important;
  }
  body.home .top .brand img,
  html[lang="ko"] body.home .top .brand img{
    width:112px !important;
    height:74px !important;
    object-fit:contain !important;
  }
  body.home .top .navlinks,
  html[lang="ko"] body.home .top .navlinks{
    display:flex !important;
    align-items:center !important;
    gap:30px !important;
    font-size:15px !important;
    white-space:nowrap !important;
  }
}

/* FAQ + Tools: same vertical hero rhythm as the other primary pages.
   Their compact heroes previously had no section padding, which pulled titles too high. */
body:not(.home) .page-hero.compact{
  padding:88px 0 !important;
}
@media(max-width:850px){
  body:not(.home) .page-hero.compact{
    padding:60px 0 !important;
  }
}

/* Do not disturb the intentionally tuned First-Time Buyer guide hero. */
body.first-buyer-guide-page .page-hero.compact.purchase-hero{
  padding-top:58px !important;
  padding-bottom:52px !important;
}


/* V199 — restore the approved V197 homepage appearance.
   ONLY normalize the toolbar container position to the same wrap used by every other tab. */
@media(min-width:851px){
  body.home .top,
  html[lang="ko"] body.home .top{
    position:absolute !important;
    top:0 !important;
    left:0 !important;
    right:0 !important;
    z-index:50 !important;
    background:linear-gradient(to bottom,rgba(2,12,22,.36),rgba(2,12,22,.06)) !important;
    border-bottom:1px solid rgba(255,255,255,.10) !important;
    backdrop-filter:none !important;
  }

  /* Same exact horizontal container as all non-home tabs. */
  body.home .top .wrap.nav,
  html[lang="ko"] body.home .top .wrap.nav{
    width:min(1180px,calc(100% - 40px)) !important;
    margin-left:auto !important;
    margin-right:auto !important;
    padding-left:0 !important;
    padding-right:0 !important;
    min-height:90px !important;
    height:auto !important;
    display:flex !important;
    align-items:center !important;
    gap:28px !important;
    transform:none !important;
    left:auto !important;
    right:auto !important;
  }

  /* Use the same header logo + nav geometry as the other tabs. */
  body.home .top .brand,
  html[lang="ko"] body.home .top .brand{
    width:auto !important;
    min-width:0 !important;
    margin-right:auto !important;
  }
  body.home .top .brand img,
  html[lang="ko"] body.home .top .brand img{
    width:118px !important;
    height:72px !important;
    object-fit:contain !important;
  }
  body.home .top .navlinks,
  html[lang="ko"] body.home .top .navlinks{
    display:flex !important;
    align-items:center !important;
    gap:30px !important;
    font-size:15px !important;
    white-space:nowrap !important;
    margin:0 !important;
    transform:none !important;
  }
}


/* V200 — homepage toolbar POSITION only.
   Match the left-weighted navigation placement used on the other tabs,
   without changing the approved homepage hero/header appearance. */
@media(min-width:851px){
  body.home .top .wrap.nav,
  html[lang="ko"] body.home .top .wrap.nav{
    justify-content:flex-start !important;
  }
  body.home .top .brand,
  html[lang="ko"] body.home .top .brand{
    margin-right:72px !important;
    flex:0 0 auto !important;
  }
  body.home .top .navlinks,
  html[lang="ko"] body.home .top .navlinks{
    margin-left:0 !important;
    margin-right:0 !important;
    flex:0 0 auto !important;
  }
}


/* V201 — exact navbar consistency + improved bilingual switch */

/* IMPORTANT:
   The Home header children now inherit the EXACT SAME .wrap/.nav/.brand/.navlinks
   rules as every other page. No Home-only horizontal spacing is applied.
   Only the Home header's overlay treatment remains different. */
@media(min-width:851px){
  body.home .top,
  html[lang="ko"] body.home .top{
    position:absolute !important;
    inset:0 0 auto 0 !important;
    z-index:50 !important;
    background:linear-gradient(to bottom,rgba(2,12,22,.36),rgba(2,12,22,.06)) !important;
    border-bottom:1px solid rgba(255,255,255,.10) !important;
    backdrop-filter:none !important;
  }

  body.home .top .wrap.nav,
  html[lang="ko"] body.home .top .wrap.nav{
    width:min(1180px,calc(100% - 40px)) !important;
    margin:auto !important;
    padding:0 !important;
    min-height:90px !important;
    height:auto !important;
    display:flex !important;
    align-items:center !important;
    gap:28px !important;
    justify-content:normal !important;
    transform:none !important;
  }

  body.home .top .brand,
  html[lang="ko"] body.home .top .brand{
    display:flex !important;
    align-items:center !important;
    gap:12px !important;
    width:auto !important;
    min-width:0 !important;
    margin-right:auto !important;
    flex:initial !important;
  }

  body.home .top .brand img,
  html[lang="ko"] body.home .top .brand img{
    width:112px !important;
    height:74px !important;
    object-fit:contain !important;
  }

  body.home .top .navlinks,
  html[lang="ko"] body.home .top .navlinks{
    display:flex !important;
    align-items:center !important;
    gap:30px !important;
    margin:0 !important;
    flex:initial !important;
    transform:none !important;
    font-size:15px !important;
    white-space:nowrap !important;
  }
}

/* True two-state EN / 한국어 switch, shared by every page. */
.language-toggle{
  display:inline-flex;
  align-items:center;
  flex:0 0 auto;
  height:40px;
  padding:3px;
  border:1px solid rgba(160,184,207,.38);
  border-radius:999px;
  background:rgba(5,19,33,.62);
  box-shadow:inset 0 0 0 1px rgba(255,255,255,.015);
}
.language-toggle a,
.language-toggle span{
  min-width:48px;
  height:32px;
  padding:0 11px;
  border-radius:999px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  color:#dbe5ee;
  font-size:12px;
  line-height:1;
  font-weight:700;
  letter-spacing:.01em;
  transition:background .18s ease,color .18s ease,box-shadow .18s ease;
}
.language-toggle .active{
  background:#e7b23a;
  color:#0b1828;
  box-shadow:0 3px 10px rgba(0,0,0,.16);
}
.language-toggle a:hover{
  color:#fff;
  background:rgba(255,255,255,.07);
}
html[lang="ko"] .language-toggle a,
html[lang="ko"] .language-toggle span{
  font-size:12px;
}
@media(max-width:850px){
  .language-toggle{
    height:38px;
  }
  .language-toggle a,
  .language-toggle span{
    height:30px;
    min-width:46px;
  }
}


/* V202 — verified header match.
   Root cause: Home-only rules were overriding the site's final shared brand rule
   with width:auto + margin-right:auto. That expanding auto margin pushed the
   entire Home navigation group to the right. These values now match the final
   computed interior-page header geometry exactly. */
@media(min-width:851px){
  body.home .top,
  html[lang="ko"] body.home .top{
    position:absolute !important;
    inset:0 0 auto 0 !important;
    z-index:50 !important;
    background:linear-gradient(to bottom,rgba(2,12,22,.36),rgba(2,12,22,.06)) !important;
    border-bottom:1px solid rgba(255,255,255,.10) !important;
    backdrop-filter:none !important;
  }

  body.home .top .wrap.nav,
  html[lang="ko"] body.home .top .wrap.nav{
    width:min(1180px,calc(100% - 40px)) !important;
    margin:auto !important;
    padding:0 !important;
    min-height:90px !important;
    height:auto !important;
    display:flex !important;
    align-items:center !important;
    gap:28px !important;
    justify-content:normal !important;
    transform:none !important;
  }

  body.home .top .brand,
  html[lang="ko"] body.home .top .brand{
    display:flex !important;
    align-items:center !important;
    justify-content:flex-start !important;
    gap:12px !important;
    width:126px !important;
    min-width:126px !important;
    height:82px !important;
    padding:0 !important;
    margin:0 !important;
    flex:0 0 126px !important;
    overflow:visible !important;
  }

  body.home .top .brand img,
  html[lang="ko"] body.home .top .brand img{
    display:block !important;
    width:112px !important;
    height:78px !important;
    max-width:112px !important;
    max-height:78px !important;
    object-fit:contain !important;
    object-position:left center !important;
  }

  body.home .top .navlinks,
  html[lang="ko"] body.home .top .navlinks{
    display:flex !important;
    align-items:center !important;
    gap:30px !important;
    margin:0 !important;
    flex:0 0 auto !important;
    transform:none !important;
    font-size:15px !important;
    white-space:nowrap !important;
  }
}

/* Language toggle: exactly ONE selected option is gold. */
.language-toggle a,
.language-toggle span{
  background:transparent !important;
  color:#dbe5ee !important;
  box-shadow:none !important;
}
.language-toggle .active{
  background:#e7b23a !important;
  color:#0b1828 !important;
  box-shadow:0 3px 10px rgba(0,0,0,.16) !important;
}
.language-toggle a:hover{
  background:rgba(255,255,255,.08) !important;
  color:#fff !important;
}
/* Prevent global nav active/first-child underline rules from leaking into the toggle. */
.navlinks .language-toggle a::after,
.navlinks .language-toggle span::after{
  display:none !important;
  content:none !important;
}


/* V203 — language toggle state correction */
.top .navlinks .language-toggle > a,
.top .navlinks .language-toggle > a:link,
.top .navlinks .language-toggle > a:visited,
.top .navlinks .language-toggle > a:hover,
.top .navlinks .language-toggle > a:focus,
.top .navlinks .language-toggle > a:active,
.top .navlinks .language-toggle > span{
  background:transparent !important;
  background-color:transparent !important;
  color:#dbe5ee !important;
  box-shadow:none !important;
  border-color:transparent !important;
}
.top .navlinks .language-toggle > .active,
.top .navlinks .language-toggle > span.active{
  background:#e7b23a !important;
  background-color:#e7b23a !important;
  color:#0b1828 !important;
  box-shadow:0 3px 10px rgba(0,0,0,.16) !important;
}
.top .navlinks .language-toggle > a:hover,
.top .navlinks .language-toggle > a:focus-visible{
  background:rgba(255,255,255,.08) !important;
  background-color:rgba(255,255,255,.08) !important;
  color:#fff !important;
}
.top .navlinks .language-toggle > a::before,
.top .navlinks .language-toggle > a::after,
.top .navlinks .language-toggle > span::before,
.top .navlinks .language-toggle > span::after{
  content:none !important;
  display:none !important;
}

/* V203 — lender-card gold accent:
   move it down inside the card so it reads as an intentional detail. */
.lender-card::before{
  top:14px !important;
  left:26px !important;
  width:48px !important;
  height:2px !important;
  border-radius:999px !important;
  opacity:1 !important;
  z-index:2 !important;
}
.lender-card:hover::before{
  width:66px !important;
}


/* V204 — lender accent correction.
   V203 targeted .lender-card, but the actual homepage cards are .lender-type-card.
   This selector matches the real element and moves the accent visibly inside the card. */
.lender-network .lender-type-card::before{
  top:15px !important;
  left:26px !important;
  width:48px !important;
  height:2px !important;
  border-radius:999px !important;
  opacity:1 !important;
  z-index:3 !important;
}
.lender-network .lender-type-card:hover::before{
  top:15px !important;
  width:68px !important;
}


/* V207 — crop the homepage scenic background flush to the bottom of the stats bar.
   Do not move or rescale the scenic image, hero content, logo, or stats. */
@media(min-width:851px){
  body.home .stats{
    position:relative !important;
    z-index:7 !important;
  }
  body.home .stats + .section{
    position:relative !important;
    z-index:8 !important;
    background:#0d3152 !important;
  }
}

/* V209 — goal-oriented homepage solution copy; preserve existing visual card template. */
body.home .visual-solution-card h3{line-height:1.12;}
@media(min-width:851px){
  body.home .visual-solution-card h3{font-size:clamp(18px,1.45vw,22px);}
}


/* V210 — compact cinematic goal cards.
   V209 copy, links and image assets remain unchanged. */
body.home .cards{
  gap:18px !important;
}
body.home .visual-solution-card{
  position:relative !important;
  min-height:320px !important;
  height:320px !important;
  padding:0 !important;
  overflow:hidden !important;
  border-radius:12px !important;
  border:1px solid rgba(231,178,58,.34) !important;
  background:#061d31 !important;
  box-shadow:0 12px 28px rgba(4,20,34,.12) !important;
  isolation:isolate;
}
body.home .visual-solution-card .solution-card-visual{
  position:absolute !important;
  inset:0 !important;
  width:100% !important;
  height:100% !important;
  background-size:cover !important;
  background-position:center !important;
  z-index:0 !important;
  transform:scale(1.001);
  transition:transform .42s ease !important;
}
body.home .visual-solution-card::after{
  content:"" !important;
  position:absolute !important;
  inset:0 !important;
  z-index:1 !important;
  pointer-events:none !important;
  background:
    linear-gradient(to bottom,
      rgba(4,19,33,.02) 0%,
      rgba(4,19,33,.05) 34%,
      rgba(4,19,33,.52) 57%,
      rgba(4,19,33,.90) 76%,
      rgba(4,19,33,.985) 100%) !important;
}
body.home .visual-solution-card .solution-icon-badge{
  position:absolute !important;
  left:24px !important;
  top:156px !important;
  z-index:3 !important;
  width:48px !important;
  height:48px !important;
  border-radius:50% !important;
  background:rgba(4,25,43,.78) !important;
  border:1.5px solid #e7b23a !important;
  display:flex !important;
  align-items:center !important;
  justify-content:center !important;
  box-shadow:0 5px 16px rgba(0,0,0,.16) !important;
}
body.home .visual-solution-card .solution-icon{
  width:25px !important;
  height:25px !important;
  stroke:#e7b23a !important;
}
body.home .visual-solution-card .num{
  position:absolute !important;
  left:24px !important;
  bottom:100px !important;
  z-index:3 !important;
  color:#fff !important;
  font-size:11px !important;
  font-weight:800 !important;
  letter-spacing:.08em !important;
}
body.home .visual-solution-card h3{
  position:absolute !important;
  left:24px !important;
  right:54px !important;
  bottom:61px !important;
  z-index:3 !important;
  margin:0 !important;
  color:#fff !important;
  font-size:21px !important;
  line-height:1.08 !important;
  transition:color .25s ease !important;
}
body.home .visual-solution-card p{
  position:absolute !important;
  left:24px !important;
  right:46px !important;
  bottom:18px !important;
  z-index:3 !important;
  margin:0 !important;
  color:rgba(255,255,255,.88) !important;
  font-size:13px !important;
  line-height:1.45 !important;
}
body.home .visual-solution-card::before{
  content:"→" !important;
  position:absolute !important;
  right:22px !important;
  bottom:24px !important;
  z-index:4 !important;
  color:#e7b23a !important;
  font-size:25px !important;
  line-height:1 !important;
  transition:transform .25s ease !important;
}
body.home .visual-solution-card .whole-card-link{
  position:absolute !important;
  inset:0 !important;
  z-index:8 !important;
}
body.home .visual-solution-card:hover{
  transform:translateY(-3px) !important;
  border-color:rgba(231,178,58,.78) !important;
  box-shadow:0 18px 34px rgba(4,20,34,.18) !important;
}
body.home .visual-solution-card:hover .solution-card-visual{
  transform:scale(1.03) !important;
}
body.home .visual-solution-card:hover h3{
  color:#f1bf46 !important;
}
body.home .visual-solution-card:hover::before{
  transform:translateX(4px) !important;
}

/* The longer fifth title needs slightly more room without making the card taller. */
body.home .visual-solution-card:nth-child(5) h3{
  font-size:19px !important;
}
body.home .visual-solution-card:nth-child(5) p{
  font-size:12.5px !important;
}

@media(max-width:850px){
  body.home .visual-solution-card{
    height:310px !important;
    min-height:310px !important;
  }
  body.home .visual-solution-card .solution-icon-badge{
    top:146px !important;
  }
  body.home .visual-solution-card h3{
    font-size:20px !important;
  }
}

/* V211 — verified polished goal cards, matching approved mockup proportions */
body.home .cards{gap:18px!important;align-items:stretch!important}
body.home .visual-solution-card{
  height:344px!important;min-height:344px!important;padding:0!important;
  border-radius:11px!important;overflow:hidden!important;position:relative!important;
  background:#061d31!important;border:1px solid rgba(231,178,58,.52)!important;
  box-shadow:0 10px 24px rgba(2,15,27,.18)!important;isolation:isolate!important;
}
body.home .visual-solution-card .solution-card-visual{
  position:absolute!important;inset:0!important;width:100%!important;height:100%!important;
  background-size:cover!important;background-position:center!important;z-index:0!important;
  filter:saturate(1.04) contrast(1.03)!important;transition:transform .4s ease,filter .4s ease!important;
}
body.home .visual-solution-card:after{
  content:""!important;position:absolute!important;inset:0!important;z-index:1!important;pointer-events:none!important;
  background:linear-gradient(180deg,rgba(3,18,31,0) 0%,rgba(3,18,31,.02) 36%,rgba(3,18,31,.42) 56%,rgba(3,18,31,.91) 76%,#041b2e 100%)!important;
}
body.home .visual-solution-card .num{
  position:absolute!important;top:24px!important;left:24px!important;bottom:auto!important;z-index:4!important;
  display:block!important;width:auto!important;height:auto!important;padding:0!important;margin:0!important;
  background:transparent!important;border:0!important;border-radius:0!important;box-shadow:none!important;
  color:#fff!important;font-size:12px!important;line-height:1!important;font-weight:800!important;letter-spacing:.04em!important;
}
body.home .visual-solution-card .solution-icon-badge{
  position:absolute!important;left:24px!important;top:auto!important;bottom:112px!important;z-index:4!important;
  width:52px!important;height:52px!important;border-radius:50%!important;background:rgba(3,25,43,.76)!important;
  border:1.5px solid #efb92f!important;box-shadow:none!important;display:flex!important;align-items:center!important;justify-content:center!important;
}
body.home .visual-solution-card .solution-icon{width:27px!important;height:27px!important;stroke:#efb92f!important;fill:none!important;stroke-width:1.55!important}
body.home .visual-solution-card h3{
  position:absolute!important;left:24px!important;right:58px!important;bottom:67px!important;z-index:4!important;
  margin:0!important;color:#fff!important;font-family:Georgia,'Times New Roman',serif!important;font-size:24px!important;
  line-height:1.08!important;font-weight:700!important;letter-spacing:-.015em!important;text-shadow:0 1px 4px rgba(0,0,0,.18)!important;
}
body.home .visual-solution-card p{
  position:absolute!important;left:24px!important;right:54px!important;bottom:20px!important;z-index:4!important;
  margin:0!important;color:rgba(255,255,255,.92)!important;font-size:13.5px!important;line-height:1.42!important;font-weight:400!important;
}
body.home .visual-solution-card:before{
  content:"→"!important;position:absolute!important;right:23px!important;bottom:25px!important;z-index:5!important;
  color:#efb92f!important;font-size:28px!important;line-height:1!important;font-weight:300!important;transition:transform .25s ease!important;
}
body.home .visual-solution-card:nth-child(5) h3{font-size:21px!important;right:34px!important}
body.home .visual-solution-card:nth-child(5) p{font-size:13px!important}
body.home .visual-solution-card:hover{transform:translateY(-3px)!important;border-color:#efb92f!important;box-shadow:0 16px 30px rgba(2,15,27,.25)!important}
body.home .visual-solution-card:hover .solution-card-visual{transform:scale(1.025)!important;filter:saturate(1.08) contrast(1.04)!important}
body.home .visual-solution-card:hover h3{color:#fff!important}
body.home .visual-solution-card:hover:before{transform:translateX(4px)!important}
body.home .legacy-goal-help-cta-disabled{display:flex;justify-content:center;align-items:center;gap:26px;margin-top:34px}
body.home .legacy-goal-help-cta-disabled span{font-size:11px;letter-spacing:.17em;text-transform:uppercase;color:rgba(255,255,255,.72)}
body.home .legacy-goal-help-cta-disabled a{display:inline-flex;align-items:center;gap:28px;padding:14px 22px;border:1px solid #e7b23a;border-radius:5px;color:#e7b23a;text-decoration:none;font-weight:800;font-size:13px;letter-spacing:.04em;transition:.25s ease}
body.home .legacy-goal-help-cta-disabled a:hover{background:#e7b23a;color:#071b2d}
@media(max-width:850px){
 body.home .visual-solution-card{height:330px!important;min-height:330px!important}
 body.home .visual-solution-card h3{font-size:22px!important}
 body.home .visual-solution-card .solution-icon-badge{bottom:108px!important}
 body.home .legacy-goal-help-cta-disabled{flex-direction:column;gap:14px;margin-top:26px}
}


/* V212 — exact approved-sample card visuals on EN homepage.
   Uses crops from the approved sample itself, so imagery, icons, numbering,
   hammer symbol, typography, gradient and arrows are visually identical. */
body.exact-sample-cards .cards{
  gap:16px !important;
}
body.exact-sample-cards .visual-solution-card{
  height:auto !important;
  min-height:0 !important;
  aspect-ratio:1.53/1 !important;
  border-radius:10px !important;
  border:1px solid rgba(231,178,58,.52) !important;
  box-shadow:none !important;
  background-color:#061d31 !important;
  background-repeat:no-repeat !important;
  background-size:100% 100% !important;
  background-position:center !important;
  padding:0 !important;
  overflow:hidden !important;
  transform:none !important;
}
body.exact-sample-cards .visual-solution-card:nth-child(1){background-image:url('assets/goal-card-sample-1.jpg') !important;}
body.exact-sample-cards .visual-solution-card:nth-child(2){background-image:url('assets/goal-card-sample-2.jpg') !important;}
body.exact-sample-cards .visual-solution-card:nth-child(3){background-image:url('assets/goal-card-sample-3.jpg') !important;}
body.exact-sample-cards .visual-solution-card:nth-child(4){background-image:url('assets/goal-card-sample-4.jpg') !important;}
body.exact-sample-cards .visual-solution-card:nth-child(5){background-image:url('assets/goal-card-sample-5.jpg') !important;}
body.exact-sample-cards .visual-solution-card:nth-child(6){background-image:url('assets/goal-card-sample-6.jpg') !important;}
body.exact-sample-cards .visual-solution-card .solution-card-visual,
body.exact-sample-cards .visual-solution-card .solution-icon-badge,
body.exact-sample-cards .visual-solution-card .num,
body.exact-sample-cards .visual-solution-card h3,
body.exact-sample-cards .visual-solution-card p,
body.exact-sample-cards .visual-solution-card::before,
body.exact-sample-cards .visual-solution-card::after{
  display:none !important;
  content:none !important;
}
body.exact-sample-cards .visual-solution-card .whole-card-link{
  display:block !important;
  position:absolute !important;
  inset:0 !important;
  z-index:10 !important;
}
body.exact-sample-cards .visual-solution-card:hover{
  transform:translateY(-2px) !important;
  border-color:#e7b23a !important;
  box-shadow:0 12px 24px rgba(0,0,0,.14) !important;
}
body.exact-sample-cards .legacy-goal-help-cta-disabled{
  width:100% !important;
  margin:34px auto 0 !important;
  display:flex !important;
  align-items:center !important;
  justify-content:center !important;
  gap:30px !important;
  flex-wrap:nowrap !important;
  text-align:center !important;
}
body.exact-sample-cards .legacy-goal-help-cta-disabled>span{
  display:inline-block !important;
  white-space:nowrap !important;
  font-size:11px !important;
  line-height:1 !important;
  letter-spacing:.17em !important;
  color:#dce6ee !important;
}
body.exact-sample-cards .legacy-goal-help-cta-disabled>a{
  display:inline-flex !important;
  align-items:center !important;
  gap:34px !important;
  width:auto !important;
  min-width:0 !important;
  padding:0 0 7px !important;
  border:0 !important;
  border-bottom:1px solid #e7b23a !important;
  border-radius:0 !important;
  background:transparent !important;
  color:#e7b23a !important;
  font-size:13px !important;
  line-height:1 !important;
  font-weight:800 !important;
  letter-spacing:.07em !important;
  white-space:nowrap !important;
  text-decoration:none !important;
}
body.exact-sample-cards .legacy-goal-help-cta-disabled>a b{
  font-size:20px !important;
  line-height:.7 !important;
  font-weight:400 !important;
}
@media(max-width:850px){
  body.exact-sample-cards .visual-solution-card{aspect-ratio:1.53/1 !important;}
  body.exact-sample-cards .legacy-goal-help-cta-disabled{gap:16px !important; margin-top:26px !important;}
  body.exact-sample-cards .legacy-goal-help-cta-disabled>span{font-size:9px !important; letter-spacing:.12em !important;}
  body.exact-sample-cards .legacy-goal-help-cta-disabled>a{font-size:11px !important; gap:18px !important;}
}

/* V213 — validated card-grid containment + centered compact CTA button */
body.exact-sample-cards .cards{
  display:grid !important;
  grid-template-columns:repeat(3,minmax(0,1fr)) !important;
  column-gap:18px !important;
  row-gap:18px !important;
  width:100% !important;
  max-width:100% !important;
  align-items:stretch !important;
}
body.exact-sample-cards .visual-solution-card{
  width:100% !important;
  max-width:100% !important;
  min-width:0 !important;
  box-sizing:border-box !important;
  aspect-ratio:1.53 / 1 !important;
  overflow:hidden !important;
}
body.exact-sample-cards .legacy-goal-help-cta-disabled{
  width:100% !important;
  margin:34px auto 0 !important;
  display:flex !important;
  align-items:center !important;
  justify-content:center !important;
  gap:20px !important;
  flex-direction:row !important;
  flex-wrap:nowrap !important;
  text-align:center !important;
}
body.exact-sample-cards .legacy-goal-help-cta-disabled>span{
  white-space:nowrap !important;
  font-size:10px !important;
  letter-spacing:.16em !important;
  color:#dce6ee !important;
}
body.exact-sample-cards .legacy-goal-help-cta-disabled>a{
  display:inline-flex !important;
  align-items:center !important;
  justify-content:center !important;
  gap:22px !important;
  width:auto !important;
  min-width:0 !important;
  padding:10px 16px !important;
  border:1px solid #e7b23a !important;
  border-radius:4px !important;
  background:transparent !important;
  color:#e7b23a !important;
  font-size:11px !important;
  line-height:1 !important;
  font-weight:800 !important;
  letter-spacing:.06em !important;
  white-space:nowrap !important;
  text-decoration:none !important;
}
body.exact-sample-cards .legacy-goal-help-cta-disabled>a:hover{
  background:#e7b23a !important;
  color:#071b2d !important;
}
body.exact-sample-cards .legacy-goal-help-cta-disabled>a b{
  font-size:17px !important;
  line-height:1 !important;
  font-weight:400 !important;
}
@media(max-width:850px){
  body.exact-sample-cards .cards{grid-template-columns:repeat(2,minmax(0,1fr)) !important;gap:14px !important;}
  body.exact-sample-cards .legacy-goal-help-cta-disabled{flex-direction:row !important;gap:12px !important;flex-wrap:wrap !important;}
}
@media(max-width:560px){
  body.exact-sample-cards .cards{grid-template-columns:minmax(0,1fr) !important;}
  body.exact-sample-cards .legacy-goal-help-cta-disabled{flex-direction:column !important;gap:12px !important;}
}


/* V214 — premium Orbit CTA band beneath goal cards */
body.home .legacy-premium-orbit-cta-disabled{
  position:relative !important;
  width:100% !important;
  max-width:none !important;
  min-height:118px !important;
  margin:38px 0 0 !important;
  padding:24px clamp(30px,5vw,74px) !important;
  display:grid !important;
  grid-template-columns:minmax(260px,.95fr) minmax(300px,1.15fr) auto !important;
  align-items:center !important;
  gap:clamp(30px,4vw,64px) !important;
  background:
    radial-gradient(circle at 8% 125%,rgba(231,178,58,.08),transparent 26%),
    linear-gradient(90deg,rgba(4,27,47,.78),rgba(7,42,70,.96),rgba(4,27,47,.82)) !important;
  border-top:1px solid rgba(231,178,58,.70) !important;
  border-bottom:1px solid rgba(231,178,58,.46) !important;
  overflow:hidden !important;
}
body.home .legacy-premium-orbit-cta-disabled::before,
body.home .legacy-premium-orbit-cta-disabled::after{
  content:"" !important;
  position:absolute !important;
  width:260px !important;
  height:260px !important;
  border:1px solid rgba(231,178,58,.42) !important;
  border-radius:50% !important;
  pointer-events:none !important;
}
body.home .legacy-premium-orbit-cta-disabled::before{left:-172px !important;bottom:-202px !important;}
body.home .legacy-premium-orbit-cta-disabled::after{right:-172px !important;top:-205px !important;}
body.home .legacy-orbit-cta-question-disabled{
  position:relative;
  z-index:2;
  color:#fff !important;
  font-family:Georgia,"Times New Roman",serif !important;
  font-size:15px !important;
  font-weight:700 !important;
  letter-spacing:.22em !important;
  line-height:1.5 !important;
  text-transform:uppercase !important;
  white-space:nowrap;
}
body.home .legacy-orbit-cta-question-disabled strong{
  color:#e7b23a !important;
  font-weight:700 !important;
}
body.home .legacy-orbit-cta-copy-disabled{
  position:relative;
  z-index:2;
  padding-left:42px;
  border-left:1px solid rgba(174,197,216,.34);
  color:#c2ced9 !important;
  font-size:14px !important;
  line-height:1.65 !important;
}
body.home .legacy-orbit-cta-copy-disabled span{display:block !important;}
body.home .legacy-orbit-cta-button-disabled{
  position:relative;
  z-index:2;
  min-width:260px !important;
  height:54px !important;
  padding:0 25px !important;
  display:flex !important;
  align-items:center !important;
  justify-content:space-between !important;
  gap:28px !important;
  border:1px solid #e7b23a !important;
  border-radius:8px !important;
  background:rgba(4,25,43,.34) !important;
  color:#efb933 !important;
  text-decoration:none !important;
  font-size:14px !important;
  font-weight:800 !important;
  letter-spacing:.09em !important;
  box-shadow:0 0 0 1px rgba(231,178,58,.06) inset !important;
  transition:background .22s ease,color .22s ease,transform .22s ease !important;
}
body.home .legacy-orbit-cta-button-disabled b{font-size:20px !important;font-weight:400 !important;transition:transform .22s ease !important;}
body.home .legacy-orbit-cta-button-disabled:hover{
  background:#e7b23a !important;
  color:#061d31 !important;
  transform:translateY(-2px) !important;
}
body.home .legacy-orbit-cta-button-disabled:hover b{transform:translateX(4px) !important;}

@media(max-width:950px){
  body.home .legacy-premium-orbit-cta-disabled{
    grid-template-columns:1fr auto !important;
    gap:18px 28px !important;
  }
  body.home .legacy-orbit-cta-copy-disabled{
    grid-column:1/2 !important;
    padding-left:0 !important;
    border-left:0 !important;
  }
  body.home .legacy-orbit-cta-button-disabled{
    grid-column:2 !important;
    grid-row:1/3 !important;
  }
}
@media(max-width:650px){
  body.home .legacy-premium-orbit-cta-disabled{
    display:flex !important;
    flex-direction:column !important;
    align-items:flex-start !important;
    padding:28px 24px !important;
  }
  body.home .legacy-orbit-cta-question-disabled{white-space:normal !important;font-size:13px !important;}
  body.home .legacy-orbit-cta-copy-disabled{padding:0 !important;}
  body.home .legacy-orbit-cta-button-disabled{width:100% !important;min-width:0 !important;margin-top:4px !important;}
}

/* V215 — isolated CTA component */
body.home .orbit-premium-band{box-sizing:border-box;position:relative;width:100%;max-width:1180px;min-width:0;min-height:116px;margin:42px auto 0;padding:24px 42px;display:grid;grid-template-columns:minmax(250px,.9fr) minmax(300px,1.15fr) minmax(250px,.8fr);align-items:center;column-gap:42px;background:radial-gradient(circle at 7% 135%,rgba(231,178,58,.08),transparent 27%),linear-gradient(90deg,rgba(5,29,50,.92),rgba(8,46,76,.98),rgba(5,29,50,.92));border-top:1px solid rgba(231,178,58,.72);border-bottom:1px solid rgba(231,178,58,.52);overflow:hidden}
body.home .orbit-premium-band::before,body.home .orbit-premium-band::after{content:"";position:absolute;width:250px;height:250px;border:1px solid rgba(231,178,58,.34);border-radius:50%;pointer-events:none}
body.home .orbit-premium-band::before{left:-178px;bottom:-202px} body.home .orbit-premium-band::after{right:-180px;top:-205px}
body.home .orbit-premium-band__question,body.home .orbit-premium-band__copy,body.home .orbit-premium-band__button{position:relative;z-index:2;min-width:0}
body.home .orbit-premium-band__question{color:#fff;font-family:Georgia,"Times New Roman",serif;font-size:15px;font-weight:700;letter-spacing:.18em;line-height:1.45;text-transform:uppercase;white-space:nowrap}
body.home .orbit-premium-band__question strong{color:#e7b23a}
body.home .orbit-premium-band__copy{padding-left:38px;border-left:1px solid rgba(187,204,218,.34);color:#c4d0db;font-size:14px;line-height:1.6}
body.home .orbit-premium-band__copy span{display:block}
body.home .orbit-premium-band__button{box-sizing:border-box;width:100%;min-height:54px;padding:0 24px;display:flex;align-items:center;justify-content:space-between;gap:24px;border:1px solid #e7b23a;border-radius:7px;background:rgba(3,23,40,.34);color:#efb933!important;text-decoration:none!important;font-size:14px;font-weight:800;letter-spacing:.08em;white-space:nowrap;transition:background .22s ease,color .22s ease,transform .22s ease}
body.home .orbit-premium-band__button b{font-size:20px;font-weight:400;transition:transform .22s ease}
body.home .orbit-premium-band__button:hover{background:#e7b23a;color:#061d31!important;transform:translateY(-2px)}
body.home .orbit-premium-band__button:hover b{transform:translateX(4px)}
@media(max-width:1000px){body.home .orbit-premium-band{grid-template-columns:1fr minmax(230px,.65fr);row-gap:12px;padding:24px 30px}body.home .orbit-premium-band__copy{grid-column:1;padding-left:0;border-left:0}body.home .orbit-premium-band__button{grid-column:2;grid-row:1/3}}
@media(max-width:680px){body.home .orbit-premium-band{display:flex;flex-direction:column;align-items:stretch;gap:14px;padding:26px 22px}body.home .orbit-premium-band__question{white-space:normal;font-size:13px}body.home .orbit-premium-band__copy{padding:0;border:0}body.home .orbit-premium-band__button{width:100%}}


/* V216 — standalone CTA section outside the solution-card grid. */
body.home .orbit-cta-section{
  box-sizing:border-box;
  width:100%;
  margin:0;
  padding:0 20px 58px;
  background:#103a5d;
}
body.home .orbit-cta-section__wrap{
  box-sizing:border-box;
  width:min(1180px,100%);
  margin:0 auto;
}
body.home .orbit-cta-section .orbit-premium-band{
  width:100%;
  max-width:none;
  margin:0;
}
@media(max-width:680px){
  body.home .orbit-cta-section{padding:0 20px 42px}
}


/* V217 — keep the goal-card area and standalone CTA on one uniform navy field. */
body.home .orbit-cta-section{
  background:#103a5d !important;
}
/* Extend the same navy through the immediately preceding goal-card section. */
body.home .section:has(.exact-sample-cards),
body.home .section:has(.cards){
  background:#103a5d;
}

body.home section.section:has(+ .orbit-cta-section){
  background:#103a5d !important;
}

/* V218 — streamlined, low-friction inquiry experience */
.inquiry-v218 .inquiry-main-v218{background:linear-gradient(135deg,#f7f9fb 0%,#f2f5f7 72%,#faf5eb 100%);padding:58px 0 64px}
.inquiry-layout-v218{display:grid;grid-template-columns:minmax(330px,.82fr) minmax(600px,1.18fr);gap:72px;align-items:start}
.inquiry-copy-v218{padding-top:14px}
.inquiry-copy-v218 .eyebrow{color:#d6a52c;font-size:12px;letter-spacing:.22em;margin-bottom:16px}
.inquiry-copy-v218 h2{font-family:Georgia,"Times New Roman",serif;color:#0b2d49;font-size:clamp(42px,4vw,60px);line-height:1.02;margin:0 0 24px}
.inquiry-intro{color:#52697c;font-size:16px;line-height:1.65;margin:0 0 34px}
.inquiry-benefits{display:grid;gap:26px}
.inquiry-benefit{display:grid;grid-template-columns:48px 1fr;gap:18px;align-items:start}
.inquiry-round-icon{width:44px;height:44px;border:1.5px solid #d6a52c;border-radius:50%;display:grid;place-items:center;color:#c89219;font-size:20px}
.inquiry-benefit strong{display:block;color:#12324a;font-family:Georgia,"Times New Roman",serif;font-size:18px;margin:3px 0 5px}
.inquiry-benefit small{display:block;color:#5f7180;font-size:13px;line-height:1.55}
.inquiry-brand-note{margin-top:36px;color:#64788a;font-size:10px;letter-spacing:.28em;line-height:1.8}
.inquiry-brand-note span{display:block;width:46px;height:1px;background:#d6a52c;margin-bottom:16px}
.inquiry-form-card-v218{border:1px solid #dbe3e8;border-top:3px solid #d6a52c;border-radius:9px;padding:34px 38px 30px;box-shadow:0 20px 52px rgba(20,47,68,.10)}
.inquiry-form-card-v218 .form-heading h3{font-family:Georgia,"Times New Roman",serif;font-size:34px;color:#0b2d49;margin:4px 0 4px}
.inquiry-form-card-v218 .form-heading p{color:#52697c;margin:0 0 24px;font-size:14px}
.inquiry-form-v218{display:grid!important;grid-template-columns:1fr 1fr!important;gap:16px 20px!important}
.inquiry-form-v218 label{font-size:12px!important;color:#17354c!important}
.inquiry-form-v218 input,.inquiry-form-v218 textarea{border-radius:6px!important;background:#fff!important;padding:13px 14px!important}
.inquiry-form-v218 textarea{min-height:88px!important}
.inquiry-form-v218 fieldset{border:0;margin:2px 0 0;padding:0;min-width:0}
.inquiry-form-v218 legend{font-size:13px;font-weight:800;color:#17354c;margin-bottom:10px}
.choice-grid{display:grid;gap:10px}
.need-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.contact-grid{grid-template-columns:repeat(3,minmax(0,1fr))}
.choice-grid label{display:block!important}
.choice-grid input{position:absolute;opacity:0;pointer-events:none}
.choice-grid span{box-sizing:border-box;min-height:54px;padding:10px 13px;border:1px solid #d6dee4;border-radius:7px;background:#fff;color:#15334b;display:flex;align-items:center;gap:10px;font-size:17px;cursor:pointer;transition:.18s ease}
.choice-grid span b{font-size:12px;font-weight:650;line-height:1.25}
.choice-grid input:checked + span{border-color:#d6a52c;background:#fff8e9;box-shadow:0 0 0 1px rgba(214,165,44,.12)}
.choice-grid label:hover span{border-color:#d6a52c}
.message-label small{font-weight:500!important;color:#7c8994!important}
.form-submit-v218{margin-top:2px}
.form-submit-v218 button{width:100%;min-height:56px;border-radius:6px!important;display:flex;align-items:center;justify-content:center;gap:24px;font-size:14px!important;font-weight:800!important;letter-spacing:.06em}
.form-submit-v218 button b{font-size:20px;font-weight:400}
.form-submit-v218>small{display:block!important;text-align:center;color:#7b8994;font-size:10px!important;margin-top:10px!important}
@media(max-width:980px){.inquiry-layout-v218{grid-template-columns:1fr;gap:42px}.inquiry-copy-v218{max-width:680px}.inquiry-form-card-v218{max-width:760px}.inquiry-brand-note{display:none}}
@media(max-width:680px){.inquiry-v218 .inquiry-main-v218{padding:38px 0 46px}.inquiry-copy-v218 h2{font-size:38px}.inquiry-form-card-v218{padding:26px 20px}.inquiry-form-v218{grid-template-columns:1fr!important}.inquiry-form-v218 label,.inquiry-form-v218 .full{grid-column:1!important}.need-grid{grid-template-columns:1fr 1fr}.contact-grid{grid-template-columns:1fr}.choice-grid span{min-height:50px}.inquiry-form-card-v218 .form-heading h3{font-size:29px}}

/* V219 inquiry — match approved sample */
.inquiry-v219{background:#eef4f8;color:#0a2b49}.inquiry-scene-v219{position:relative;min-height:900px;padding:28px 24px 38px;background:linear-gradient(to bottom,rgba(248,251,253,.95) 0%,rgba(247,250,252,.93) 42%,rgba(255,248,237,.72) 68%,rgba(236,244,249,.12) 100%),url('assets/hero-cinematic-vancouver-v193-wide.jpg') center bottom/100% auto no-repeat;overflow:hidden}.inquiry-scene-v219:after{content:"";position:absolute;left:31%;bottom:-250px;width:620px;height:620px;border:1px solid rgba(216,165,44,.45);border-radius:50%;pointer-events:none}.inquiry-wrap-v219{position:relative;z-index:1;width:min(1380px,100%);margin:auto;display:grid;grid-template-columns:minmax(410px,.82fr) minmax(650px,1.18fr);gap:76px;align-items:start}.inquiry-left-v219{padding:18px 0 0 8px}.eyebrow-v219{display:flex;align-items:center;gap:12px;color:#d49d17;font-size:12px;font-weight:700;letter-spacing:.24em}.eyebrow-v219 i,.trust-v219 i{display:inline-block;width:34px;height:1px;background:#d6a52c}.inquiry-left-v219 h1{margin:22px 0 22px;color:#092a48!important;font-family:Georgia,'Times New Roman',serif!important;font-size:clamp(54px,4.4vw,76px)!important;line-height:.98!important;letter-spacing:-.035em!important;text-shadow:none!important}.intro-v219{margin:0 0 30px;color:#3e5b74;font-size:18px;line-height:1.65}.benefits-v219{display:grid;gap:26px}.inquiry-benefit-v219{display:grid;grid-template-columns:58px 1fr;gap:18px;align-items:center}.inquiry-benefit-v219 .round{width:54px;height:54px;border:1.5px solid #d6a52c;border-radius:50%;display:grid;place-items:center;color:#d39d1d}.ui-icon{width:23px;height:23px;display:block}.inquiry-benefit-v219 strong{display:block;color:#0b2b49;font-family:Georgia,'Times New Roman',serif;font-size:18px;margin-bottom:4px}.inquiry-benefit-v219 small{display:block;color:#48647b;font-size:13px;line-height:1.45}.trust-v219{margin-top:28px;color:#36546d;font-size:10px;letter-spacing:.28em;line-height:1.75}.trust-v219 i{display:block;margin-bottom:12px}.inquiry-card-v219{background:rgba(255,255,255,.97);border:1px solid #d8e1e7;border-top:3px solid #d6a52c;border-radius:9px;box-shadow:0 24px 58px rgba(17,48,72,.14);padding:28px 34px 26px}.form-head-v219>span{color:#d19a16;font-size:11px;font-weight:800;letter-spacing:.2em}.form-head-v219 h2{margin:7px 0 2px;color:#092a48!important;font-family:Georgia,'Times New Roman',serif!important;font-size:42px!important;line-height:1.05!important}.form-head-v219 p{margin:0 0 22px;color:#526a80;font-size:14px}.form-v219{display:grid;grid-template-columns:1fr 1fr;gap:14px 18px}.form-v219 label,.form-v219 legend{color:#0a2b49!important;font-size:12px!important;font-weight:750!important}.form-v219 .full{grid-column:1/-1}.input-wrap{position:relative;margin-top:7px}.input-wrap>.ui-icon{position:absolute;left:13px;top:50%;transform:translateY(-50%);width:19px;height:19px;color:#8495a6;z-index:1}.form-v219 input,.form-v219 textarea{box-sizing:border-box;width:100%;border:1px solid #ccd8e0!important;border-radius:5px!important;background:#fff!important;color:#15344d!important;font:inherit!important;padding:12px 13px 12px 42px!important;outline:none!important}.form-v219 input:focus,.form-v219 textarea:focus{border-color:#d6a52c!important;box-shadow:0 0 0 2px rgba(214,165,44,.1)!important}.form-v219 fieldset{border:0;padding:0;margin:2px 0 0;min-width:0}.form-v219 legend{margin-bottom:9px}.choice-v219{display:grid;gap:9px}.need-v219{grid-template-columns:repeat(3,minmax(0,1fr))}.contact-v219{grid-template-columns:repeat(3,minmax(0,1fr))}.choice-v219 label{display:block!important}.choice-v219 input{position:absolute!important;opacity:0!important;pointer-events:none!important}.choice-v219 span{box-sizing:border-box;min-height:54px;padding:9px 13px;border:1px solid #ccd8e0;border-radius:5px;background:#fff;color:#0c3150;display:flex;align-items:center;gap:11px;cursor:pointer;transition:.18s ease}.choice-v219 span .ui-icon{width:22px;height:22px;flex:0 0 22px}.choice-v219 span b{font-size:12px;line-height:1.2}.choice-v219 input:checked+span{border-color:#d6a52c;background:#fff7e5;color:#0a2b49;box-shadow:0 0 0 1px rgba(214,165,44,.12)}.choice-v219 label:hover span{border-color:#d6a52c}.msg-v219 small{color:#7d8c99!important;font-weight:500!important}.textarea-wrap>.ui-icon{top:18px;transform:none}.form-v219 textarea{min-height:70px!important;resize:vertical}.submit-v219 button{width:100%;height:56px;border:0;border-radius:4px;background:linear-gradient(90deg,#e5aa28,#f2c14f);color:#092a48;font-size:15px;font-weight:900;letter-spacing:.04em;display:flex;align-items:center;justify-content:center;gap:30px;cursor:pointer;box-shadow:0 10px 24px rgba(214,165,44,.18)}.submit-v219 button b{font-size:20px;font-weight:500}.submit-v219>small{margin-top:10px;display:flex;align-items:center;justify-content:center;gap:7px;color:#6d8091;font-size:10px}.submit-v219>small .ui-icon{width:13px;height:13px;color:#0a2b49}@media(max-width:1050px){.inquiry-wrap-v219{grid-template-columns:1fr;gap:34px;max-width:760px}.inquiry-scene-v219{background-size:auto 48%;background-position:center bottom}.inquiry-left-v219{padding-left:0}.inquiry-left-v219 h1{font-size:58px!important}}@media(max-width:680px){.inquiry-scene-v219{padding:28px 18px 42px;background-size:auto 32%}.inquiry-left-v219 h1{font-size:44px!important}.intro-v219{font-size:16px}.inquiry-card-v219{padding:24px 18px}.form-head-v219 h2{font-size:34px!important}.form-v219{grid-template-columns:1fr}.form-v219 label,.form-v219 .full{grid-column:1/-1}.need-v219{grid-template-columns:1fr 1fr}.contact-v219{grid-template-columns:1fr}.choice-v219 span{min-height:50px}}


/* V220 — remove visual gap directly below header on inquiry page only */
body:not(.home) main.inquiry-v219{
  margin-top:0 !important;
  padding-top:0 !important;
}
main.inquiry-v219 > .inquiry-scene-v219{
  margin-top:0 !important;
  padding-top:0 !important;
  background-position:center bottom !important;
}
main.inquiry-v219 .inquiry-wrap-v219{
  padding-top:28px !important;
}
@media(max-width:680px){
  main.inquiry-v219 > .inquiry-scene-v219{padding-top:0 !important;}
  main.inquiry-v219 .inquiry-wrap-v219{padding-top:28px !important;}
}


/* V221 — dedicated inquiry artwork + true header-to-scene continuity.
   Root cause of the "white bar": the old inquiry background used a ~95% opaque
   white gradient at the TOP of the scene, visually reading as a separate strip.
   The section itself was already directly adjacent to the header. */
main.inquiry-v219,
main.inquiry-v219 > .inquiry-scene-v219{
  margin:0 !important;
  border:0 !important;
}
main.inquiry-v219 > .inquiry-scene-v219{
  padding-top:0 !important;
  background:
    linear-gradient(90deg,
      rgba(247,250,252,.80) 0%,
      rgba(247,250,252,.72) 43%,
      rgba(247,250,252,.62) 66%,
      rgba(247,250,252,.72) 100%),
    url('assets/inquiry-vancouver-golden-hour-v221.png') center center / cover no-repeat !important;
}
main.inquiry-v219 .inquiry-wrap-v219{
  padding-top:28px !important;
}
@media(max-width:1050px){
  main.inquiry-v219 > .inquiry-scene-v219{
    background:
      linear-gradient(rgba(247,250,252,.76),rgba(247,250,252,.66)),
      url('assets/inquiry-vancouver-golden-hour-v221.png') center center / cover no-repeat !important;
  }
}

/* V222 — correct message field icon */
.inquiry-v219 .message-pencil-icon{
  width:18px !important;
  height:18px !important;
  color:#6f8496 !important;
  flex:0 0 18px;
}

/* V223 — Mortgage Solutions cards only: mirror approved homepage card template */
body.solutions-home-card-style .cards{
  display:grid!important;
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  gap:16px!important;
}
body.solutions-home-card-style .visual-solution-card{
  box-sizing:border-box!important;height:auto!important;min-height:0!important;aspect-ratio:1.53/1!important;
  padding:0!important;border-radius:11px!important;overflow:hidden!important;position:relative!important;
  background:#061d31!important;border:1px solid rgba(231,178,58,.52)!important;
  box-shadow:0 10px 24px rgba(2,15,27,.18)!important;isolation:isolate!important;
}
body.solutions-home-card-style .visual-solution-card .solution-card-visual{
  position:absolute!important;inset:0!important;width:100%!important;height:100%!important;
  background-size:cover!important;background-position:center!important;z-index:0!important;
  filter:saturate(1.04) contrast(1.03)!important;transition:transform .4s ease,filter .4s ease!important;
}
body.solutions-home-card-style .visual-solution-card:after{
  content:""!important;position:absolute!important;inset:0!important;z-index:1!important;pointer-events:none!important;
  background:linear-gradient(180deg,rgba(3,18,31,0) 0%,rgba(3,18,31,.02) 36%,rgba(3,18,31,.42) 56%,rgba(3,18,31,.91) 76%,#041b2e 100%)!important;
}
body.solutions-home-card-style .visual-solution-card .num{
  position:absolute!important;top:24px!important;left:24px!important;z-index:4!important;
  color:#fff!important;font-size:12px!important;line-height:1!important;font-weight:800!important;letter-spacing:.04em!important;
}
body.solutions-home-card-style .visual-solution-card .solution-icon-badge{
  position:absolute!important;left:24px!important;top:auto!important;bottom:112px!important;z-index:4!important;
  width:52px!important;height:52px!important;border-radius:50%!important;background:rgba(3,25,43,.76)!important;
  border:1.5px solid #efb92f!important;box-shadow:none!important;display:flex!important;align-items:center!important;justify-content:center!important;
}
body.solutions-home-card-style .visual-solution-card .solution-icon{
  width:27px!important;height:27px!important;stroke:#efb92f!important;fill:none!important;stroke-width:1.55!important;
}
body.solutions-home-card-style .visual-solution-card h3{
  position:absolute!important;left:24px!important;right:58px!important;bottom:67px!important;z-index:4!important;
  margin:0!important;color:#fff!important;font-family:Georgia,'Times New Roman',serif!important;font-size:24px!important;
  line-height:1.08!important;font-weight:700!important;letter-spacing:-.015em!important;text-shadow:0 1px 4px rgba(0,0,0,.18)!important;
}
body.solutions-home-card-style .visual-solution-card p{
  position:absolute!important;left:24px!important;right:54px!important;bottom:20px!important;z-index:4!important;
  margin:0!important;color:rgba(255,255,255,.92)!important;font-size:13.5px!important;line-height:1.42!important;font-weight:400!important;
}
body.solutions-home-card-style .visual-solution-card:before{
  content:"→"!important;position:absolute!important;right:23px!important;bottom:25px!important;z-index:5!important;
  color:#efb92f!important;font-size:28px!important;line-height:1!important;font-weight:300!important;transition:transform .25s ease!important;
}
body.solutions-home-card-style .whole-card-link{position:absolute!important;inset:0!important;z-index:10!important}
body.solutions-home-card-style .visual-solution-card:hover{
  transform:translateY(-3px)!important;border-color:#efb92f!important;box-shadow:0 16px 30px rgba(2,15,27,.25)!important;
}
body.solutions-home-card-style .visual-solution-card:hover .solution-card-visual{
  transform:scale(1.025)!important;filter:saturate(1.08) contrast(1.04)!important;
}
body.solutions-home-card-style .visual-solution-card:hover:before{transform:translateX(4px)!important}
@media(max-width:900px){
 body.solutions-home-card-style .cards{grid-template-columns:repeat(2,minmax(0,1fr))!important}
}
@media(max-width:620px){
 body.solutions-home-card-style .cards{grid-template-columns:1fr!important}
 body.solutions-home-card-style .visual-solution-card{aspect-ratio:1.35/1!important}
}

/* V225 — Mortgage Solutions: exact homepage card format */
body.solutions-home-card-style .cards{display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr))!important;gap:16px!important}
body.solutions-home-card-style .visual-solution-card{box-sizing:border-box!important;height:auto!important;min-height:0!important;aspect-ratio:1.53/1!important;padding:0!important;border-radius:11px!important;overflow:hidden!important;position:relative!important;background:#061d31!important;border:1px solid rgba(231,178,58,.52)!important;box-shadow:0 10px 24px rgba(2,15,27,.18)!important;isolation:isolate!important}
body.solutions-home-card-style .visual-solution-card .num{position:absolute!important;top:24px!important;left:24px!important;bottom:auto!important;z-index:4!important;display:block!important;width:auto!important;height:auto!important;padding:0!important;margin:0!important;background:transparent!important;border:0!important;border-radius:0!important;box-shadow:none!important;color:#fff!important;font-size:12px!important;line-height:1!important;font-weight:800!important;letter-spacing:.04em!important}
body.solutions-home-card-style .visual-solution-card .solution-icon-badge{position:absolute!important;left:24px!important;top:auto!important;bottom:112px!important;z-index:4!important;width:52px!important;height:52px!important;border-radius:50%!important;background:rgba(3,25,43,.76)!important;border:1.5px solid #efb92f!important;box-shadow:none!important;display:flex!important;align-items:center!important;justify-content:center!important}
body.solutions-home-card-style .visual-solution-card .solution-icon{width:27px!important;height:27px!important;stroke:#efb92f!important;fill:none!important;stroke-width:1.55!important}
body.solutions-home-card-style .visual-solution-card h3{position:absolute!important;left:24px!important;right:58px!important;bottom:67px!important;z-index:4!important;margin:0!important;color:#fff!important;font-family:Georgia,'Times New Roman',serif!important;font-size:24px!important;line-height:1.08!important;font-weight:700!important;letter-spacing:-.015em!important;text-shadow:0 1px 4px rgba(0,0,0,.18)!important}
body.solutions-home-card-style .visual-solution-card p{position:absolute!important;left:24px!important;right:54px!important;bottom:20px!important;z-index:4!important;margin:0!important;color:rgba(255,255,255,.92)!important;font-size:13.5px!important;line-height:1.42!important;font-weight:400!important}
body.solutions-home-card-style .visual-solution-card:before{content:"→"!important;position:absolute!important;right:23px!important;bottom:25px!important;z-index:5!important;color:#efb92f!important;font-size:28px!important;line-height:1!important;font-weight:300!important;transition:transform .25s ease!important}
body.solutions-home-card-style .solutions-bottom-cta-v225{grid-column:2/4;position:relative;overflow:hidden;min-height:100%;padding:34px 42px;box-sizing:border-box;display:flex;align-items:center;background:linear-gradient(110deg,#061c2f,#08243b 70%,#061a2b);color:#fff}
body.solutions-home-card-style .solutions-bottom-cta-copy{position:relative;z-index:2;max-width:520px}
body.solutions-home-card-style .solutions-bottom-cta-kicker{display:flex;align-items:center;gap:12px;margin-bottom:13px;color:#e9b32d;font-size:10px;font-weight:800;letter-spacing:.14em}
body.solutions-home-card-style .solutions-bottom-cta-kicker span{width:34px;height:1px;background:#e9b32d}
body.solutions-home-card-style .solutions-bottom-cta-v225 h2{margin:0 0 11px;color:#fff;font-family:Georgia,'Times New Roman',serif;font-size:32px;line-height:1.04;letter-spacing:-.02em}
body.solutions-home-card-style .solutions-bottom-cta-v225 p{margin:0 0 19px;max-width:480px;color:rgba(255,255,255,.72);font-size:13.5px;line-height:1.5}
body.solutions-home-card-style .solutions-bottom-cta-button{display:inline-flex;align-items:center;gap:28px;padding:12px 20px;background:#efb832;color:#071d2f!important;text-decoration:none!important;font-size:13px;font-weight:800}
body.solutions-home-card-style .solutions-bottom-cta-button b{font-size:18px;font-weight:400}
body.solutions-home-card-style .solutions-bottom-cta-orbit{position:absolute;width:290px;height:290px;border:25px solid rgba(255,255,255,.07);border-radius:50%;right:-135px;bottom:-155px;box-sizing:border-box}
body.solutions-home-card-style .solutions-bottom-cta-orbit:after{content:"";position:absolute;width:165px;height:165px;border:13px solid rgba(255,255,255,.07);border-radius:50%;left:37px;top:37px}
@media(max-width:900px){body.solutions-home-card-style .cards{grid-template-columns:repeat(2,minmax(0,1fr))!important}body.solutions-home-card-style .solutions-bottom-cta-v225{grid-column:1/-1;min-height:280px}}
@media(max-width:620px){body.solutions-home-card-style .cards{grid-template-columns:1fr!important}body.solutions-home-card-style .solutions-bottom-cta-v225{grid-column:1;padding:28px 24px;min-height:270px}body.solutions-home-card-style .solutions-bottom-cta-v225 h2{font-size:28px}}

/* V226 — final Mortgage Solutions sample-match corrections.
   Scoped to this page only; replaces earlier V223/V225 geometry. */
body.solutions-home-card-style .cards{
  display:grid!important;
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  gap:16px!important;
  align-items:stretch!important;
}
body.solutions-home-card-style .visual-solution-card{
  width:100%!important;max-width:100%!important;min-width:0!important;
  height:auto!important;min-height:0!important;aspect-ratio:1.53/1!important;
  box-sizing:border-box!important;position:relative!important;overflow:hidden!important;
  padding:0!important;margin:0!important;border-radius:10px!important;
  border:1px solid rgba(231,178,58,.62)!important;background:#061d31!important;
  box-shadow:none!important;isolation:isolate!important;transform:none!important;
}
body.solutions-home-card-style .visual-solution-card .solution-card-visual{
  position:absolute!important;inset:0!important;width:100%!important;height:100%!important;
  background-size:cover!important;background-position:center!important;
  filter:saturate(1.04) contrast(1.03)!important;transform:none!important;z-index:0!important;
}
body.solutions-home-card-style .visual-solution-card::after{
  content:""!important;display:block!important;position:absolute!important;inset:0!important;z-index:1!important;
  background:linear-gradient(180deg,rgba(3,18,31,0) 0%,rgba(3,18,31,.03) 40%,rgba(3,18,31,.48) 61%,rgba(3,18,31,.93) 82%,#041b2e 100%)!important;
  pointer-events:none!important;
}
/* Kill every legacy hover/arrow line pseudo-element that caused the blurred bar. */
body.solutions-home-card-style .visual-solution-card::before{
  content:none!important;display:none!important;background:none!important;border:0!important;
}
/* White number exactly at upper-left, with no pill/circle/background. */
body.solutions-home-card-style .visual-solution-card .num{
  display:block!important;position:absolute!important;z-index:5!important;
  top:22px!important;left:22px!important;right:auto!important;bottom:auto!important;
  width:auto!important;height:auto!important;margin:0!important;padding:0!important;
  color:#fff!important;background:transparent!important;border:0!important;border-radius:0!important;
  box-shadow:none!important;font-size:12px!important;line-height:1!important;font-weight:800!important;letter-spacing:.05em!important;
}
/* Icon is immediately above the title, matching the approved sample's vertical rhythm. */
body.solutions-home-card-style .visual-solution-card .solution-icon-badge{
  display:flex!important;align-items:center!important;justify-content:center!important;
  position:absolute!important;z-index:5!important;left:22px!important;top:auto!important;bottom:92px!important;
  width:38px!important;height:38px!important;margin:0!important;padding:0!important;
  background:transparent!important;border:0!important;border-radius:0!important;box-shadow:none!important;
}
body.solutions-home-card-style .visual-solution-card .solution-icon{
  width:30px!important;height:30px!important;stroke:#efb92f!important;fill:none!important;
  stroke-width:1.65!important;stroke-linecap:round!important;stroke-linejoin:round!important;
}
body.solutions-home-card-style .visual-solution-card h3{
  position:absolute!important;z-index:5!important;left:22px!important;right:66px!important;bottom:56px!important;
  margin:0!important;padding:0!important;color:#fff!important;
  font-family:Georgia,'Times New Roman',serif!important;font-size:23px!important;line-height:1.05!important;
  font-weight:700!important;letter-spacing:-.015em!important;text-shadow:0 1px 4px rgba(0,0,0,.18)!important;
}
body.solutions-home-card-style .visual-solution-card p{
  position:absolute!important;z-index:5!important;left:22px!important;right:68px!important;bottom:17px!important;
  margin:0!important;padding:0!important;color:rgba(255,255,255,.92)!important;
  font-size:12.5px!important;line-height:1.35!important;font-weight:400!important;
}
/* Dedicated circular arrow, matching the sample; no line appears on hover. */
body.solutions-home-card-style .solution-card-arrow{
  position:absolute!important;z-index:6!important;right:20px!important;bottom:20px!important;
  width:42px!important;height:42px!important;border:1.5px solid #efb92f!important;border-radius:50%!important;
  display:flex!important;align-items:center!important;justify-content:center!important;
  color:#efb92f!important;background:rgba(4,27,46,.45)!important;font-size:21px!important;line-height:1!important;
  transition:transform .2s ease,background .2s ease!important;pointer-events:none!important;
}
body.solutions-home-card-style .whole-card-link{position:absolute!important;inset:0!important;z-index:10!important}
/* Same restrained hover language as the approved homepage cards. */
body.solutions-home-card-style .visual-solution-card:hover{
  transform:translateY(-2px)!important;border-color:#e7b23a!important;
  box-shadow:0 12px 24px rgba(0,0,0,.14)!important;
}
body.solutions-home-card-style .visual-solution-card:hover .solution-card-visual{
  transform:none!important;filter:saturate(1.04) contrast(1.03)!important;
}
body.solutions-home-card-style .visual-solution-card:hover h3{color:#fff!important}
body.solutions-home-card-style .visual-solution-card:hover .solution-card-arrow{
  transform:translateX(2px)!important;background:rgba(4,27,46,.72)!important;
}
/* CTA occupies exactly columns 2–3 of the final grid row and inherits that row's card height. */
body.solutions-home-card-style .solutions-bottom-cta-v225{
  grid-column:2 / 4!important;align-self:stretch!important;
  min-height:0!important;height:auto!important;max-height:none!important;
  box-sizing:border-box!important;margin:0!important;padding:28px 40px!important;
  position:relative!important;overflow:hidden!important;display:flex!important;align-items:center!important;
  border-radius:0!important;background:linear-gradient(110deg,#061c2f 0%,#08243b 70%,#061a2b 100%)!important;color:#fff!important;
}
body.solutions-home-card-style .solutions-bottom-cta-copy{position:relative!important;z-index:2!important;max-width:500px!important}
body.solutions-home-card-style .solutions-bottom-cta-kicker{display:flex!important;align-items:center!important;gap:12px!important;margin:0 0 12px!important;color:#e9b32d!important;font-size:10px!important;font-weight:800!important;letter-spacing:.14em!important}
body.solutions-home-card-style .solutions-bottom-cta-kicker span{display:block!important;width:34px!important;height:1px!important;background:#e9b32d!important}
body.solutions-home-card-style .solutions-bottom-cta-v225 h2{margin:0 0 10px!important;color:#fff!important;font-family:Georgia,'Times New Roman',serif!important;font-size:31px!important;line-height:1.03!important;letter-spacing:-.02em!important}
body.solutions-home-card-style .solutions-bottom-cta-v225 p{margin:0 0 18px!important;max-width:470px!important;color:rgba(255,255,255,.75)!important;font-size:12.5px!important;line-height:1.45!important}
body.solutions-home-card-style .solutions-bottom-cta-button{display:inline-flex!important;align-items:center!important;justify-content:space-between!important;gap:28px!important;min-width:150px!important;padding:11px 18px!important;background:#efb832!important;color:#071d2f!important;text-decoration:none!important;font-size:12px!important;font-weight:800!important}
body.solutions-home-card-style .solutions-bottom-cta-orbit{position:absolute!important;width:270px!important;height:270px!important;border:24px solid rgba(255,255,255,.07)!important;border-radius:50%!important;right:-130px!important;bottom:-150px!important;box-sizing:border-box!important}
body.solutions-home-card-style .solutions-bottom-cta-orbit::after{content:""!important;position:absolute!important;width:150px!important;height:150px!important;border:12px solid rgba(255,255,255,.07)!important;border-radius:50%!important;left:36px!important;top:36px!important}
@media(max-width:900px){
 body.solutions-home-card-style .cards{grid-template-columns:repeat(2,minmax(0,1fr))!important}
 body.solutions-home-card-style .solutions-bottom-cta-v225{grid-column:1/-1!important;min-height:250px!important}
}
@media(max-width:620px){
 body.solutions-home-card-style .cards{grid-template-columns:1fr!important}
 body.solutions-home-card-style .visual-solution-card{aspect-ratio:1.35/1!important}
 body.solutions-home-card-style .solutions-bottom-cta-v225{grid-column:1!important;min-height:260px!important;padding:26px 24px!important}
}

/* V228 — Mortgage Solutions cards: exact approved HOME card visual language.
   Content/images/links remain Solutions-specific. */
body.solutions-home-card-style .cards{
  display:grid!important;
  grid-template-columns:repeat(3,minmax(0,1fr))!important;
  gap:18px!important;
  align-items:stretch!important;
}
body.solutions-home-card-style .visual-solution-card{
  position:relative!important;overflow:hidden!important;box-sizing:border-box!important;
  width:100%!important;min-width:0!important;height:100%!important;min-height:0!important;
  aspect-ratio:1.48/1!important;margin:0!important;padding:0!important;
  border:1px solid rgba(231,178,58,.72)!important;border-radius:11px!important;
  background:#061d31!important;box-shadow:none!important;isolation:isolate!important;
  transform:none!important;
}
body.solutions-home-card-style .visual-solution-card .solution-card-visual{
  position:absolute!important;inset:0!important;width:100%!important;height:100%!important;
  background-size:cover!important;background-position:center!important;z-index:0!important;
  filter:saturate(1.04) contrast(1.03)!important;transform:none!important;
  transition:filter .25s ease!important;
}
body.solutions-home-card-style .visual-solution-card::after{
  content:""!important;display:block!important;position:absolute!important;inset:0!important;z-index:1!important;
  pointer-events:none!important;
  background:linear-gradient(180deg,rgba(3,18,31,0) 0%,rgba(3,18,31,.02) 39%,rgba(3,18,31,.35) 57%,rgba(3,18,31,.88) 76%,#041b2e 100%)!important;
}
body.solutions-home-card-style .visual-solution-card::before{
  content:none!important;display:none!important;
}
body.solutions-home-card-style .visual-solution-card .num{
  position:absolute!important;z-index:5!important;top:20px!important;left:20px!important;
  right:auto!important;bottom:auto!important;display:block!important;width:auto!important;height:auto!important;
  margin:0!important;padding:0!important;background:transparent!important;border:0!important;border-radius:0!important;
  box-shadow:none!important;color:#fff!important;font-size:12px!important;line-height:1!important;
  font-weight:800!important;letter-spacing:.04em!important;
}
/* Exact homepage icon treatment: large gold outlined circle */
body.solutions-home-card-style .visual-solution-card .solution-icon-badge{
  position:absolute!important;z-index:5!important;left:20px!important;bottom:106px!important;
  display:flex!important;align-items:center!important;justify-content:center!important;
  width:54px!important;height:54px!important;margin:0!important;padding:0!important;
  border:1.5px solid #efb92f!important;border-radius:50%!important;
  background:rgba(4,29,48,.72)!important;box-shadow:none!important;
}
body.solutions-home-card-style .visual-solution-card .solution-icon{
  width:29px!important;height:29px!important;color:#efb92f!important;stroke:#efb92f!important;
  fill:none!important;stroke-width:1.65!important;stroke-linecap:round!important;stroke-linejoin:round!important;
}
body.solutions-home-card-style .visual-solution-card h3{
  position:absolute!important;z-index:5!important;left:20px!important;right:52px!important;bottom:65px!important;
  margin:0!important;padding:0!important;color:#fff!important;
  font-family:Georgia,'Times New Roman',serif!important;font-size:23px!important;line-height:1.08!important;
  font-weight:700!important;letter-spacing:-.015em!important;text-shadow:0 1px 4px rgba(0,0,0,.18)!important;
}
body.solutions-home-card-style .visual-solution-card p{
  position:absolute!important;z-index:5!important;left:20px!important;right:50px!important;bottom:19px!important;
  margin:0!important;padding:0!important;color:rgba(255,255,255,.92)!important;
  font-size:13px!important;line-height:1.42!important;font-weight:400!important;
}
/* Homepage arrow = simple gold arrow, no circle */
body.solutions-home-card-style .solution-card-arrow{
  position:absolute!important;z-index:6!important;right:20px!important;bottom:20px!important;
  display:block!important;width:auto!important;height:auto!important;margin:0!important;padding:0!important;
  border:0!important;border-radius:0!important;background:transparent!important;box-shadow:none!important;
  color:#efb92f!important;font-size:28px!important;line-height:1!important;font-weight:300!important;
  pointer-events:none!important;transition:transform .2s ease!important;
}
body.solutions-home-card-style .whole-card-link{position:absolute!important;inset:0!important;z-index:10!important}
/* Same restrained homepage hover: border/lift only; no line, no circle, no image zoom. */
body.solutions-home-card-style .visual-solution-card:hover{
  transform:translateY(-2px)!important;border-color:#efb92f!important;
  box-shadow:0 12px 24px rgba(0,0,0,.14)!important;
}
body.solutions-home-card-style .visual-solution-card:hover .solution-card-visual{
  transform:none!important;filter:saturate(1.07) contrast(1.04)!important;
}
body.solutions-home-card-style .visual-solution-card:hover h3{color:#fff!important}
body.solutions-home-card-style .visual-solution-card:hover .solution-card-arrow{
  transform:translateX(3px)!important;background:transparent!important;
}
/* CTA remains exactly the same height as Private Lending row. */
body.solutions-home-card-style .solutions-bottom-cta-v225{
  grid-column:2/4!important;align-self:stretch!important;height:100%!important;min-height:0!important;
  max-height:none!important;margin:0!important;box-sizing:border-box!important;
}
@media(max-width:900px){
 body.solutions-home-card-style .cards{grid-template-columns:repeat(2,minmax(0,1fr))!important}
 body.solutions-home-card-style .solutions-bottom-cta-v225{grid-column:1/-1!important;height:auto!important;min-height:260px!important}
}
@media(max-width:620px){
 body.solutions-home-card-style .cards{grid-template-columns:1fr!important}
 body.solutions-home-card-style .visual-solution-card{aspect-ratio:1.35/1!important}
 body.solutions-home-card-style .solutions-bottom-cta-v225{grid-column:1!important}
}

/* V231 visual icon match */
body.solutions-home-card-style .solution-icon{fill:none!important;stroke:#efb92f!important;stroke-width:1.65!important;stroke-linecap:round!important;stroke-linejoin:round!important;}

/* v235 — premium lender partner cards */
.home-page .lender-network{position:relative;overflow:hidden}
.home-page .lender-category-grid{gap:16px!important;margin-top:32px!important}
.home-page .lender-type-card{
  position:relative;overflow:hidden;isolation:isolate;
  min-height:210px!important;padding:26px 28px 24px!important;
  border:1px solid rgba(193,145,36,.78)!important;border-radius:14px!important;
  background:linear-gradient(135deg,#fffefb 0%,#f8fafb 58%,#eef3f6 100%)!important;
  box-shadow:0 10px 28px rgba(4,22,38,.16),inset 0 1px 0 rgba(255,255,255,.95)!important;
  transition:transform .22s ease,box-shadow .22s ease,border-color .22s ease!important;
}
.home-page .lender-type-card::before{
  content:"";position:absolute;z-index:-1;right:-7%;bottom:-38%;width:46%;aspect-ratio:1;border-radius:50%;
  background:radial-gradient(circle,rgba(29,83,119,.10) 0%,rgba(29,83,119,.035) 46%,transparent 70%);
}
.home-page .lender-type-card::after{
  content:"";position:absolute;left:28px;top:16px;width:48px;height:2px;background:#d6a11f;border-radius:2px;
}
.home-page .lender-type-card:hover{transform:translateY(-4px)!important;border-color:#d6a11f!important;box-shadow:0 16px 38px rgba(4,22,38,.22),0 0 0 1px rgba(214,161,31,.08)!important}
.home-page .lender-type-card h3{color:#103653!important;margin:7px 0 5px!important;font-size:21px!important;font-weight:800!important;letter-spacing:-.02em}
.home-page .lender-type-card>p{color:#60778b!important;margin:0 0 18px!important;font-size:13px!important;line-height:1.5!important;min-height:38px!important}
.home-page .lender-type-card .bare-logo-row{display:flex!important;align-items:center!important;gap:24px!important;min-height:68px!important;margin:8px 0 10px!important;padding:2px 0!important}
.home-page .lender-type-card .bare-logo-row img{filter:none;transition:transform .2s ease;max-height:53px!important}
.home-page .lender-type-card:hover .bare-logo-row img{transform:translateY(-1px)}
.home-page .lender-type-card .many-more{position:static!important;display:inline-flex!important;align-items:center;gap:8px;margin:2px 0 0!important;padding:0!important;color:#946b12!important;font-size:12px!important;font-weight:800!important;letter-spacing:.01em}
.home-page .lender-type-card .many-more::after{content:"→";font-size:17px;line-height:1;transition:transform .2s ease}
.home-page .lender-type-card:hover .many-more::after{transform:translateX(4px)}
.home-page .specialty-card .program-tags{display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px!important;margin:14px 0 9px!important}
.home-page .specialty-card .program-tags span{display:flex;align-items:center;justify-content:center;text-align:center;min-height:54px;border:1px solid rgba(193,145,36,.72)!important;border-radius:5px;color:#8a6416!important;background:rgba(255,253,247,.72)!important;padding:9px 8px!important;font-size:11px!important;font-weight:800!important}
.home-page .specialty-card .many-more{display:none!important}
@media(max-width:720px){
 .home-page .lender-type-card{min-height:0!important;padding:24px 21px 21px!important}
 .home-page .lender-type-card::after{left:21px}
 .home-page .lender-type-card>p{min-height:0!important}
 .home-page .lender-type-card .bare-logo-row{min-height:58px!important;gap:16px!important;flex-wrap:wrap!important}
 .home-page .specialty-card .program-tags{grid-template-columns:1fr!important}
}

/* V236 — lender cards: faithful implementation of approved visual sample.
   Real lender logos remain live assets; category photography is subtle and decorative. */
.home-page .lender-network .lender-type-card{
  min-height:214px!important;
  padding:27px 28px 22px!important;
  border:1px solid rgba(218,164,35,.92)!important;
  border-radius:12px!important;
  box-shadow:0 10px 25px rgba(2,18,31,.18),inset 0 1px 0 rgba(255,255,255,.96)!important;
  background-color:#fbfcfc!important;
  background-size:cover!important;
  background-position:center!important;
  background-repeat:no-repeat!important;
}
.home-page .lender-network .lender-type-card:nth-child(1){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.96) 54%,rgba(247,249,249,.73) 100%),url('assets/card-clean-residential.jpg')!important}
.home-page .lender-network .lender-type-card:nth-child(2){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.96) 54%,rgba(247,249,249,.73) 100%),url('assets/card-clean-renewal.jpg')!important}
.home-page .lender-network .lender-type-card:nth-child(3){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.96) 54%,rgba(247,249,249,.74) 100%),url('assets/card-clean-self.jpg')!important}
.home-page .lender-network .lender-type-card:nth-child(4){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.96) 54%,rgba(247,249,249,.73) 100%),url('assets/card-clean-equity.jpg')!important}
.home-page .lender-network .lender-type-card:nth-child(5){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.96) 54%,rgba(247,249,249,.72) 100%),url('assets/card-clean-private.jpg')!important}
.home-page .lender-network .lender-type-card:nth-child(6){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.955) 52%,rgba(247,249,249,.69) 100%),url('assets/card-clean-commercial.jpg')!important}
.home-page .lender-network .lender-type-card:nth-child(7){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.955) 52%,rgba(247,249,249,.69) 100%),url('assets/card-clean-construction.jpg')!important}
.home-page .lender-network .lender-type-card:nth-child(8){background-image:linear-gradient(90deg,rgba(255,255,255,.99) 0%,rgba(255,255,255,.965) 58%,rgba(247,249,249,.76) 100%),url('assets/card-clean-residential.jpg')!important}
.home-page .lender-network .lender-type-card::after{display:none!important}
.home-page .lender-network .lender-type-card::before{
  content:""!important;position:absolute!important;z-index:1!important;right:24px!important;top:21px!important;left:auto!important;bottom:auto!important;
  width:34px!important;height:34px!important;border-radius:0!important;background-color:transparent!important;
  background-repeat:no-repeat!important;background-position:center!important;background-size:contain!important;opacity:.82!important;
}
.home-page .lender-network .lender-type-card:nth-child(1)::before{background-image:url('assets/lender-icon-bank.svg')!important}
.home-page .lender-network .lender-type-card:nth-child(2)::before{background-image:url('assets/lender-icon-people.svg')!important}
.home-page .lender-network .lender-type-card:nth-child(3)::before{background-image:url('assets/lender-icon-document.svg')!important}
.home-page .lender-network .lender-type-card:nth-child(4)::before{background-image:url('assets/lender-icon-growth.svg')!important}
.home-page .lender-network .lender-type-card:nth-child(5)::before{background-image:url('assets/lender-icon-lock.svg')!important}
.home-page .lender-network .lender-type-card:nth-child(6)::before{background-image:url('assets/lender-icon-building.svg')!important}
.home-page .lender-network .lender-type-card:nth-child(7)::before{background-image:url('assets/lender-icon-crane.svg')!important}
.home-page .lender-network .lender-type-card:nth-child(8)::before{background-image:url('assets/lender-icon-star.svg')!important}
.home-page .lender-network .lender-type-card h3{position:relative!important;z-index:2!important;margin:8px 46px 4px 0!important;font-size:21px!important;color:#0d3553!important}
.home-page .lender-network .lender-type-card h3::before{content:"";position:absolute;left:0;top:-12px;width:42px;height:2px;border-radius:2px;background:#d9a420}
.home-page .lender-network .lender-type-card>p{position:relative;z-index:2;margin-bottom:12px!important;min-height:32px!important;color:#62798b!important}
.home-page .lender-network .lender-type-card .bare-logo-row{position:relative;z-index:2;min-height:66px!important;margin:2px 0 6px!important;gap:22px!important;max-width:86%}
.home-page .lender-network .lender-type-card .many-more{position:relative!important;z-index:2!important;color:#95680b!important;font-size:12px!important}
.home-page .lender-network .specialty-card .program-tags{position:relative;z-index:2;margin:9px 0 4px!important}
.home-page .lender-network .specialty-card .program-tags span{min-height:52px!important;background:rgba(255,255,255,.72)!important;border-color:#d8a21d!important}
@media(max-width:720px){
 .home-page .lender-network .lender-type-card{padding:25px 21px 21px!important;background-position:68% center!important}
 .home-page .lender-network .lender-type-card::before{right:18px!important;top:20px!important;width:30px!important;height:30px!important}
 .home-page .lender-network .lender-type-card h3{margin-right:40px!important}
 .home-page .lender-network .lender-type-card .bare-logo-row{max-width:100%}
}
\n/* V237 — lender card label placement + non-link wording; remove CTA duplication */
.home-page .lender-network .lender-type-card{display:flex!important;flex-direction:column!important}
.home-page .lender-network .lender-type-card .bare-logo-row{flex:0 0 auto!important;margin:2px 0 0!important}
.home-page .lender-network .lender-type-card .many-more{
  position:relative!important;display:block!important;align-self:flex-start!important;
  margin:8px 0 0!important;padding:0!important;line-height:1.25!important;
  color:#95680b!important;font-size:12px!important;font-weight:800!important;
}
.home-page .lender-network .lender-type-card .many-more::after{content:none!important;display:none!important}
.home-page .lender-network .lender-type-card:hover .many-more::after{transform:none!important}
.home-page .lender-network .specialty-card .many-more.specialty-more{display:block!important;margin-top:8px!important}
@media(max-width:720px){.home-page .lender-network .lender-type-card .many-more{margin-top:10px!important}}

/* V238 — definitive lender footer-label placement.
   Earlier rules changed .many-more from absolute to relative but left right/bottom offsets behind,
   which visually pulled the label back up over the logo row. Reset every inset explicitly. */
.home-page .lender-network .lender-type-card .many-more{
  position:static!important;
  top:auto!important;
  right:auto!important;
  bottom:auto!important;
  left:auto!important;
  order:10!important;
  display:block!important;
  align-self:flex-start!important;
  flex:0 0 auto!important;
  margin:10px 0 0!important;
  padding:0!important;
  transform:none!important;
  line-height:1.25!important;
  white-space:nowrap!important;
}
.home-page .lender-network .lender-type-card .bare-logo-row{
  order:5!important;
  margin:2px 0 0!important;
  flex:0 0 auto!important;
}
.home-page .lender-network .specialty-card .program-tags{order:5!important;}
.home-page .lender-network .specialty-card .many-more.specialty-more{
  position:static!important;
  top:auto!important;right:auto!important;bottom:auto!important;left:auto!important;
  order:10!important;
  display:block!important;
  margin:10px 0 0!important;
}

/* V239 — shared lender-category icon system: exact same gold outline SVGs in EN + KO */
.home-page .lender-network .lender-type-card::before{opacity:1!important;width:38px!important;height:38px!important;right:22px!important;top:18px!important;background-color:transparent!important;filter:none!important;}
@media(max-width:720px){.home-page .lender-network .lender-type-card::before{width:34px!important;height:34px!important;right:18px!important;top:18px!important}}

/* V240 — premium photographic title banners + unified global header */
body:not(.home) .top{
  background:#071725 !important;
  border-bottom:1px solid rgba(125,158,188,.28) !important;
  backdrop-filter:blur(12px);
}

/* Shared premium banner treatment. Photography stays atmospheric and fades behind copy. */
body.about-page main > .section.dark:first-child,
body.solutions-page main > .section.dark:first-child,
body.team-page-shell .team-hero,
body.resources-page .resource-hero,
body.faq-page .page-hero.compact,
body.tools-page .page-hero.compact{
  position:relative;
  isolation:isolate;
  overflow:hidden;
  background-color:#0b1424 !important;
  background-repeat:no-repeat !important;
  background-size:cover !important;
  background-position:center !important;
  color:#fff;
}
body.about-page main > .section.dark:first-child::after,
body.solutions-page main > .section.dark:first-child::after,
body.team-page-shell .team-hero::after,
body.resources-page .resource-hero::after,
body.faq-page .page-hero.compact::after,
body.tools-page .page-hero.compact::after{
  content:"";
  position:absolute;inset:0;z-index:-1;
  background:linear-gradient(90deg,rgba(7,23,37,.99) 0%,rgba(7,23,37,.96) 40%,rgba(7,23,37,.74) 62%,rgba(7,23,37,.28) 100%);
}
body.about-page main > .section.dark:first-child > .wrap,
body.solutions-page main > .section.dark:first-child > .wrap,
body.team-page-shell .team-hero > .wrap,
body.resources-page .resource-hero > .wrap,
body.faq-page .page-hero.compact > .wrap,
body.tools-page .page-hero.compact > .wrap{position:relative;z-index:1}


/* V248 — DIAGNOSTIC HERO FIX
   Restores the original compact header depth while keeping full-width cinematic imagery.
   Uses one shared EN/KO implementation and cache-busted assets. */
body.about-page main > .section.dark:first-child,
body.solutions-page main > .section.dark:first-child,
body.team-page-shell .team-hero,
body.resources-page .resource-hero,
body.faq-page .page-hero.compact,
body.tools-page .page-hero.compact{
  position:relative !important;
  box-sizing:border-box !important;
  height:330px !important;
  min-height:330px !important;
  padding-top:0 !important;
  padding-bottom:0 !important;
  display:flex !important;
  align-items:center !important;
  overflow:hidden !important;
  background-size:cover !important;
  background-position:center 52% !important;
  background-repeat:no-repeat !important;
  background-color:#071725 !important;
}
body.about-page main > .section.dark:first-child{background-image:url('assets/hero-about-v248.jpg') !important}
body.solutions-page main > .section.dark:first-child{background-image:url('assets/hero-solutions-v248.jpg') !important}
body.team-page-shell .team-hero{background-image:url('assets/hero-team-v248.jpg') !important}
body.resources-page .resource-hero{
  background-image:url('assets/hero-resources-v251.jpg') !important;
  background-image:image-set(url('assets/hero-resources-v251.webp') type('image/webp') 1x, url('assets/hero-resources-v251.png') type('image/png') 2x) !important;
}
body.faq-page .page-hero.compact{background-image:url('assets/hero-faq-v248.jpg') !important}
body.tools-page .page-hero.compact{background-image:url('assets/hero-tools-v248.jpg') !important}
body.about-page main > .section.dark:first-child::after,
body.solutions-page main > .section.dark:first-child::after,
body.team-page-shell .team-hero::after,
body.resources-page .resource-hero::after,
body.faq-page .page-hero.compact::after,
body.tools-page .page-hero.compact::after{
  content:"" !important;position:absolute !important;inset:0 !important;z-index:0 !important;
  background:linear-gradient(90deg,rgba(7,23,37,.98) 0%,rgba(7,23,37,.92) 24%,rgba(7,23,37,.68) 43%,rgba(7,23,37,.26) 62%,rgba(7,23,37,.03) 82%,rgba(7,23,37,0) 100%) !important;
}
body.about-page main > .section.dark:first-child > .wrap,
body.solutions-page main > .section.dark:first-child > .wrap,
body.team-page-shell .team-hero > .wrap,
body.resources-page .resource-hero > .wrap,
body.faq-page .page-hero.compact > .wrap,
body.tools-page .page-hero.compact > .wrap{position:relative !important;z-index:1 !important;width:min(100% - 48px,1180px) !important}
@media(max-width:760px){
 body.about-page main > .section.dark:first-child,
 body.solutions-page main > .section.dark:first-child,
 body.team-page-shell .team-hero,
 body.resources-page .resource-hero,
 body.faq-page .page-hero.compact,
 body.tools-page .page-hero.compact{height:330px !important;min-height:330px !important;background-position:62% 52% !important}
}


/* V249 — normalize Resources + FAQ hero spacing to the approved compact headers.
   Resource quick links are kept intact but moved below the photographic hero so
   they no longer distort/overflow the 330px title banner. */
body.resources-page .resource-hero > .wrap,
body.faq-page .page-hero.compact > .wrap{
  display:block !important;
  margin-top:0 !important;
  margin-bottom:0 !important;
  padding-top:0 !important;
  padding-bottom:0 !important;
}
body.resources-page .resource-hero .kicker,
body.faq-page .page-hero.compact .eyebrow{margin-top:0 !important}
body.resources-page .resource-hero h2,
body.faq-page .page-hero.compact h1{margin-top:10px !important;margin-bottom:18px !important}
body.resources-page .resource-hero .lead,
body.faq-page .page-hero.compact .lead{margin-top:0 !important;margin-bottom:0 !important;max-width:780px !important}
body.faq-page .page-hero.compact .hero-actions{margin-top:22px !important;margin-bottom:0 !important}
.resource-quicklinks-band{background:#071725;padding:0 0 22px}
.resource-quicklinks-band .resource-quicklinks{margin-top:0 !important}
@media(max-width:760px){
  .resource-quicklinks-band{padding:14px 0 22px}
}
\n\n/* v250 — Resources cinematic hero continuation + premium quick links */\nbody.resources-page .resource-hero{\n  height:420px !important;\n  min-height:420px !important;\n  padding:46px 0 24px !important;\n  background-position:62% 52% !important;\n}\nbody.resources-page .resource-hero > .wrap{\n  height:100% !important;\n  display:flex !important;\n  flex-direction:column !important;\n  justify-content:flex-start !important;\n}\nbody.resources-page .resource-hero .resource-quicklinks{\n  margin-top:auto !important;\n  padding-top:20px !important;\n  grid-template-columns:repeat(3,minmax(0,1fr)) !important;\n}\nbody.resources-page .resource-hero .resource-quicklinks a{\n  min-height:88px;\n  padding:18px 20px !important;\n  border:1px solid rgba(232,178,60,.62) !important;\n  border-top:2px solid #e8b23c !important;\n  background:rgba(5,20,32,.84) !important;\n  box-shadow:0 12px 30px rgba(0,0,0,.28),inset 0 1px 0 rgba(255,255,255,.05) !important;\n  -webkit-backdrop-filter:blur(8px);\n  backdrop-filter:blur(8px);\n}\nbody.resources-page .resource-hero .resource-quicklinks a:hover{\n  background:rgba(8,30,47,.94) !important;\n  border-color:#f0bc43 !important;\n  transform:translateY(-2px);\n}\nbody.resources-page .resource-hero .resource-quicklinks strong{font-size:16px;color:#fff}\nbody.resources-page .resource-hero .resource-quicklinks small{color:rgba(255,255,255,.78)}\nbody.resources-page .resource-hero .resource-quicklinks span{color:#f0bc43}\nbody.resources-page + .resource-quicklinks-band,.resource-quicklinks-band:empty{display:none!important}\n@media(max-width:760px){\n body.resources-page .resource-hero{height:auto!important;min-height:430px!important;padding:38px 0 22px!important}\n body.resources-page .resource-hero .resource-quicklinks{grid-template-columns:1fr!important;gap:10px!important;margin-top:28px!important;padding-top:0!important}\n body.resources-page .resource-hero .resource-quicklinks a{min-height:74px}\n}\n
/* v251 — native generated Resources master, preserve detail */
body.resources-page .resource-hero{background-position:center 55% !important;}

/* V252 — unified premium hero delivery and layout */
body.about-page main > .section.dark:first-child{background-image:image-set(url('assets/hero-about-v252.webp') type('image/webp') 1x,url('assets/hero-about-v252.jpg') type('image/jpeg') 1x)!important}
body.solutions-page main > .section.dark:first-child{background-image:image-set(url('assets/hero-solutions-v252.webp') type('image/webp') 1x,url('assets/hero-solutions-v252.jpg') type('image/jpeg') 1x)!important}
body.team-page-shell .team-hero{background-image:image-set(url('assets/hero-team-v252.webp') type('image/webp') 1x,url('assets/hero-team-v252.jpg') type('image/jpeg') 1x)!important}
body.resources-page .resource-hero{background-image:image-set(url('assets/hero-resources-v252.webp') type('image/webp') 1x,url('assets/hero-resources-v251.png') type('image/png') 2x)!important}
body.faq-page .page-hero.compact{background-image:image-set(url('assets/hero-faq-v252.webp') type('image/webp') 1x,url('assets/hero-faq-v252.jpg') type('image/jpeg') 1x)!important}
body.tools-page .page-hero.compact{background-image:image-set(url('assets/hero-tools-v252.webp') type('image/webp') 1x,url('assets/hero-tools-v252.jpg') type('image/jpeg') 1x)!important}

/* Keep every tab hero at the same approved depth. */
body.resources-page .resource-hero{height:330px!important;min-height:330px!important;padding:20px 0 14px!important;background-position:70% 55%!important}
body.resources-page .resource-hero > .wrap{height:100%!important;justify-content:flex-start!important}
body.resources-page .resource-hero h2{font-size:clamp(34px,3vw,46px)!important;line-height:1.04!important;margin:6px 0 10px!important;max-width:860px!important}
body.resources-page .resource-hero .lead{font-size:16px!important;line-height:1.5!important;max-width:760px!important}
body.resources-page .resource-hero .resource-quicklinks{margin-top:auto!important;padding-top:10px!important;gap:12px!important}
body.resources-page .resource-hero .resource-quicklinks a{min-height:68px!important;padding:12px 16px!important;background:rgba(4,18,30,.92)!important;border:1px solid rgba(240,188,67,.88)!important;border-top:2px solid #f0bc43!important;box-shadow:0 10px 28px rgba(0,0,0,.38)!important}
body.resources-page .resource-hero .resource-quicklinks strong{font-size:15px!important}
body.resources-page .resource-hero .resource-quicklinks small{font-size:12px!important;color:rgba(255,255,255,.9)!important}

/* Graduated optical softening on the copy side, sharp photography on the right. */
body.about-page main > .section.dark:first-child::before,
body.solutions-page main > .section.dark:first-child::before,
body.team-page-shell .team-hero::before,
body.resources-page .resource-hero::before,
body.faq-page .page-hero.compact::before,
body.tools-page .page-hero.compact::before{
 content:"";position:absolute;inset:0;z-index:0;pointer-events:none;
 -webkit-backdrop-filter:blur(7px);backdrop-filter:blur(7px);
 -webkit-mask-image:linear-gradient(90deg,#000 0%,rgba(0,0,0,.94) 22%,rgba(0,0,0,.52) 42%,transparent 62%);
 mask-image:linear-gradient(90deg,#000 0%,rgba(0,0,0,.94) 22%,rgba(0,0,0,.52) 42%,transparent 62%);
}
body.about-page main > .section.dark:first-child::after,
body.solutions-page main > .section.dark:first-child::after,
body.team-page-shell .team-hero::after,
body.resources-page .resource-hero::after,
body.faq-page .page-hero.compact::after,
body.tools-page .page-hero.compact::after{background:linear-gradient(90deg,rgba(7,23,37,.97) 0%,rgba(7,23,37,.88) 24%,rgba(7,23,37,.55) 44%,rgba(7,23,37,.14) 65%,rgba(7,23,37,0) 84%)!important}
body.about-page main > .section.dark:first-child > .wrap,
body.solutions-page main > .section.dark:first-child > .wrap,
body.team-page-shell .team-hero > .wrap,
body.resources-page .resource-hero > .wrap,
body.faq-page .page-hero.compact > .wrap,
body.tools-page .page-hero.compact > .wrap{z-index:2!important}

/* Inquiry CTA: retain readable navy lettering on gold during hover/focus. */
a.btn.gold:hover,a.btn.gold:focus-visible,.nav-cta:hover,.nav-cta:focus-visible,.inquire-btn:hover,.inquire-btn:focus-visible{color:#071725!important;background:#f4c451!important;border-color:#f4c451!important}

@media(max-width:760px){
 body.resources-page .resource-hero{height:auto!important;min-height:390px!important;padding:24px 0 16px!important;background-position:72% center!important}
 body.resources-page .resource-hero .resource-quicklinks{grid-template-columns:1fr!important;gap:8px!important;margin-top:18px!important}
 body.resources-page .resource-hero .resource-quicklinks a{min-height:60px!important}
}

/* V253 — native-resolution standalone hero masters. No collage crops, no upscaling. */
body.about-page main > .section.dark:first-child{background-image:image-set(url('assets/hero-about-v253.webp') type('image/webp') 1x,url('assets/hero-about-v253.jpg') type('image/jpeg') 1x)!important;background-position:68% 52%!important}
body.solutions-page main > .section.dark:first-child{background-image:image-set(url('assets/hero-solutions-v253.webp') type('image/webp') 1x,url('assets/hero-solutions-v253.jpg') type('image/jpeg') 1x)!important;background-position:68% 52%!important}
body.team-page-shell .team-hero{background-image:image-set(url('assets/hero-team-v253.webp') type('image/webp') 1x,url('assets/hero-team-v253.jpg') type('image/jpeg') 1x)!important;background-position:68% 52%!important}
body.faq-page .page-hero.compact{background-image:image-set(url('assets/hero-faq-v253.webp') type('image/webp') 1x,url('assets/hero-faq-v253.jpg') type('image/jpeg') 1x)!important;background-position:68% 52%!important}
body.tools-page .page-hero.compact{background-image:image-set(url('assets/hero-tools-v253.webp') type('image/webp') 1x,url('assets/hero-tools-v253.jpg') type('image/jpeg') 1x)!important;background-position:68% 52%!important}


/* V256 — Homepage goal cards: brighter photography + stronger lower fade. */
body.bright-goal-cards .cards{
  display:grid!important;grid-template-columns:repeat(3,minmax(0,1fr))!important;gap:18px!important;align-items:stretch!important;
}
body.bright-goal-cards .visual-solution-card{
  position:relative!important;overflow:hidden!important;box-sizing:border-box!important;width:100%!important;min-width:0!important;
  aspect-ratio:1.53/1!important;margin:0!important;padding:0!important;border:1px solid rgba(239,185,47,.78)!important;
  border-radius:11px!important;background:#061d31!important;box-shadow:0 8px 20px rgba(2,15,27,.12)!important;isolation:isolate!important;
}
body.bright-goal-cards .solution-card-visual{
  position:absolute!important;inset:0!important;width:100%!important;height:100%!important;background-size:cover!important;background-position:center!important;
  z-index:0!important;filter:brightness(1.13) saturate(1.07) contrast(1.01)!important;transition:filter .25s ease!important;
}
body.bright-goal-cards .visual-solution-card::after{
  content:""!important;position:absolute!important;inset:0!important;z-index:1!important;pointer-events:none!important;
  background:linear-gradient(180deg,rgba(3,18,31,0) 0%,rgba(3,18,31,.015) 34%,rgba(3,18,31,.16) 49%,rgba(3,18,31,.55) 64%,rgba(3,18,31,.91) 79%,#041b2e 100%)!important;
}
body.bright-goal-cards .visual-solution-card::before{
  content:"→"!important;position:absolute!important;right:20px!important;bottom:20px!important;z-index:6!important;color:#efb92f!important;
  font-size:28px!important;line-height:1!important;font-weight:300!important;transition:transform .2s ease!important;
}
body.bright-goal-cards .num{position:absolute!important;z-index:5!important;top:20px!important;left:20px!important;color:#fff!important;font-size:12px!important;line-height:1!important;font-weight:800!important;letter-spacing:.04em!important}
body.bright-goal-cards .solution-icon-badge{position:absolute!important;z-index:5!important;left:20px!important;bottom:106px!important;display:flex!important;align-items:center!important;justify-content:center!important;width:54px!important;height:54px!important;border:1.5px solid #efb92f!important;border-radius:50%!important;background:rgba(4,29,48,.72)!important}
body.bright-goal-cards .solution-icon{width:29px!important;height:29px!important;color:#efb92f!important;stroke:#efb92f!important;fill:none!important;stroke-width:1.65!important;stroke-linecap:round!important;stroke-linejoin:round!important}
body.bright-goal-cards .visual-solution-card h3{position:absolute!important;z-index:5!important;left:20px!important;right:52px!important;bottom:65px!important;margin:0!important;color:#fff!important;font-family:Georgia,'Times New Roman',serif!important;font-size:23px!important;line-height:1.08!important;font-weight:700!important;letter-spacing:-.015em!important;text-shadow:0 1px 4px rgba(0,0,0,.18)!important}
body.bright-goal-cards .visual-solution-card p{position:absolute!important;z-index:5!important;left:20px!important;right:50px!important;bottom:19px!important;margin:0!important;color:rgba(255,255,255,.94)!important;font-size:13px!important;line-height:1.42!important;font-weight:400!important}
body.bright-goal-cards .whole-card-link{position:absolute!important;inset:0!important;z-index:10!important}
body.bright-goal-cards .visual-solution-card:hover{transform:translateY(-2px)!important;border-color:#efb92f!important;box-shadow:0 12px 24px rgba(0,0,0,.14)!important}
body.bright-goal-cards .visual-solution-card:hover .solution-card-visual{filter:brightness(1.16) saturate(1.09) contrast(1.01)!important}
body.bright-goal-cards .visual-solution-card:hover::before{transform:translateX(3px)!important}
@media(max-width:900px){body.bright-goal-cards .cards{grid-template-columns:repeat(2,minmax(0,1fr))!important}}
@media(max-width:620px){body.bright-goal-cards .cards{grid-template-columns:1fr!important}body.bright-goal-cards .visual-solution-card{aspect-ratio:1.35/1!important}}

/* V257 — exact brighter sample photography + stronger lower fade */
body.bright-goal-cards .solution-card-visual{
  inset:0!important;
  filter:brightness(1.08) saturate(1.08) contrast(1.01)!important;
  background-size:cover!important;
  background-position:center!important;
}
body.bright-goal-cards .visual-solution-card::after{
  content:""!important;
  position:absolute!important;
  inset:0!important;
  z-index:3!important;
  pointer-events:none!important;
  background:linear-gradient(to bottom,
    rgba(3,25,43,0.00) 0%,
    rgba(3,25,43,0.03) 35%,
    rgba(3,25,43,0.38) 58%,
    rgba(3,25,43,0.84) 78%,
    rgba(3,25,43,0.98) 100%)!important;
}

/* V258 — restore compact goal-card proportions and keep the number area crisp */
body.bright-goal-cards .visual-solution-card{
  height:auto!important;
  min-height:0!important;
  aspect-ratio:1.53/1!important;
  -webkit-backdrop-filter:none!important;
  backdrop-filter:none!important;
}
body.bright-goal-cards .solution-card-visual,
body.bright-goal-cards .visual-solution-card::after,
body.bright-goal-cards .visual-solution-card .num{
  -webkit-backdrop-filter:none!important;
  backdrop-filter:none!important;
}
body.bright-goal-cards .solution-card-visual{
  filter:brightness(1.08) saturate(1.08) contrast(1.01)!important;
}
/* Fade begins below the number area; top stays completely clear. */
body.bright-goal-cards .visual-solution-card::after{
  background:linear-gradient(to bottom,
    rgba(3,25,43,0) 0%,
    rgba(3,25,43,0) 38%,
    rgba(3,25,43,.24) 54%,
    rgba(3,25,43,.72) 73%,
    rgba(3,25,43,.98) 100%)!important;
}
@media(max-width:620px){body.bright-goal-cards .visual-solution-card{aspect-ratio:1.35/1!important}}

/* V259 — clean Resources hero artwork: no baked-in wording */
body.resources-page .resource-hero{
  background-image:url('assets/hero-resources-v259-clean.jpg') !important;
  background-image:image-set(
    url('assets/hero-resources-v259-clean.webp') type('image/webp') 1x,
    url('assets/hero-resources-v259-clean.png') type('image/png') 2x
  ) !important;
}

/* V260 — Resources header background selected by user */
body.resources-page .resource-hero{
  background-image:url('assets/hero-resources-v260.png') !important;
  background-position:center center !important;
  background-size:cover !important;
}

/* V261 — approved FAQ hero background */
body.faq-page .page-hero.compact{
  background-image:image-set(
    url('assets/hero-faq-v261.webp') type('image/webp') 1x,
    url('assets/hero-faq-v261.jpg') type('image/jpeg') 1x
  ) !important;
  background-position:center center !important;
}


/* V262 — approved Tools hero background */
body.tools-page .page-hero.compact{
  background-image:image-set(
    url('assets/hero-tools-v262.webp') type('image/webp') 1x,
    url('assets/hero-tools-v262.jpg') type('image/jpeg') 1x
  ) !important;
  background-position:center center !important;
}

/* v263 — About / Our Team hero reassignment */
body.about-page main > .section.dark:first-child{
  background-image:image-set(url('assets/hero-about-v263.webp') type('image/webp') 1x,url('assets/hero-about-v263.jpg') type('image/jpeg') 1x)!important;
  background-position:68% 52%!important;
}
body.team-page-shell .team-hero{
  background-image:image-set(url('assets/hero-team-v263.webp') type('image/webp') 1x,url('assets/hero-team-v263.jpg') type('image/jpeg') 1x)!important;
  background-position:center center!important;
}


/* V264 — Resources: Credit Score & Credit Health */
body.resources-page .resource-hero .resource-quicklinks{grid-template-columns:repeat(4,minmax(0,1fr))!important}
.credit-resource-section{background:#f4f1ea;padding:78px 0}
.credit-resource-grid{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(360px,.92fr);gap:52px;align-items:center}
.credit-resource-copy h2{max-width:760px;margin:10px 0 18px;color:#0b2235;font-size:clamp(32px,4vw,50px);line-height:1.08}
.credit-resource-copy>p{max-width:760px;color:#4a5964;font-size:17px;line-height:1.75}
.credit-actions{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin:28px 0 18px}
.credit-actions .btn.gold{color:#071725!important}
.credit-actions .btn.gold:hover{color:#071725!important}
.credit-gov-link{font-weight:700;color:#0b3a5a;border-bottom:1px solid rgba(11,58,90,.3);padding-bottom:3px}
.credit-gov-link:hover{color:#b6841d;border-color:#b6841d}
.credit-note{font-size:13px!important;line-height:1.6!important;color:#68737b!important;border-left:2px solid #d3a52f;padding-left:14px;margin-top:18px!important}
.credit-health-card{position:relative;background:#071c2c;color:#fff;border:1px solid rgba(211,165,47,.65);border-top:3px solid #d3a52f;padding:34px 34px 30px;box-shadow:0 20px 48px rgba(6,25,39,.16)}
.credit-card-label{display:block;color:#d9ad43;font-size:12px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;margin-bottom:10px}
.credit-health-card h3{font-size:26px;margin:0 0 22px;color:#fff}
.credit-health-list{display:grid;gap:0;border-top:1px solid rgba(255,255,255,.12)}
.credit-health-list>div{display:grid;grid-template-columns:42px 1fr;gap:13px;padding:16px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.credit-health-list b{color:#d9ad43;font-size:12px;letter-spacing:.08em;padding-top:3px}
.credit-health-list span{display:grid;gap:4px}
.credit-health-list strong{font-size:15px;color:#fff}
.credit-health-list small{font-size:13px;line-height:1.45;color:rgba(255,255,255,.7)}
.credit-health-card>p{margin:20px 0 0;color:rgba(255,255,255,.72);font-size:13px;line-height:1.6}
@media(max-width:980px){body.resources-page .resource-hero .resource-quicklinks{grid-template-columns:repeat(2,minmax(0,1fr))!important}.credit-resource-grid{grid-template-columns:1fr;gap:30px}}
@media(max-width:760px){body.resources-page .resource-hero .resource-quicklinks{grid-template-columns:1fr!important}.credit-resource-section{padding:54px 0}.credit-health-card{padding:28px 22px}.credit-actions{align-items:flex-start;flex-direction:column;gap:14px}}

/* V265 — Credit resource readability + weak-credit CTA */
.credit-resource-copy h2{color:#0b2235!important;text-shadow:none!important}
.credit-resource-copy .eyebrow{color:#c78d13!important}
.credit-help-cta{margin-top:24px;padding:22px 22px 20px;border:1px solid rgba(217,173,67,.45);background:rgba(255,255,255,.06);display:grid;gap:8px}
.credit-help-cta>span{color:#d9ad43;font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase}
.credit-help-cta>strong{color:#fff;font-size:20px;line-height:1.25}
.credit-help-cta>small{color:rgba(255,255,255,.75);font-size:13px;line-height:1.55;max-width:520px}
.credit-help-cta .btn{justify-self:start;margin-top:8px;color:#071725!important}
.credit-help-cta .btn:hover{color:#071725!important}

/* V266 — Credit score visual scale, factor icons, full-width help CTA */
.credit-score-card{margin:28px 0 22px;padding:24px 26px 22px;background:#fff;border:1px solid rgba(11,34,53,.08);border-radius:10px;box-shadow:0 12px 30px rgba(11,34,53,.07)}
.credit-score-head{display:flex;justify-content:space-between;gap:18px;align-items:center;margin-bottom:20px}.credit-score-head strong{color:#0b2235;font-size:14px;letter-spacing:.12em}.credit-score-head span{color:#b98212;font-size:13px}
.credit-score-bar{display:grid;grid-template-columns:260fr 100fr 65fr 35fr 140fr;height:34px;border-radius:18px;overflow:hidden;background:linear-gradient(90deg,#d82125,#ff7a2e 38%,#f7ca3b 56%,#a5cf78 72%,#16874c)}.credit-score-bar i{border-right:1px solid rgba(255,255,255,.55)}.credit-score-bar i:last-child{border:0}
.credit-score-ticks{display:flex;justify-content:space-between;color:#0b2235;font-weight:800;font-size:12px;margin:8px 0 18px}
.credit-score-bands{display:grid;grid-template-columns:repeat(5,1fr);gap:0}.credit-score-bands>div{padding:0 12px;border-right:1px solid rgba(11,34,53,.12);display:flex;flex-direction:column;align-items:flex-start;gap:3px}.credit-score-bands>div:first-child{padding-left:0}.credit-score-bands>div:last-child{border:0;padding-right:0}.credit-score-bands strong{font-size:14px}.credit-score-bands b{font-size:12px;color:#233b4e}.credit-score-bands small{font-size:11px;line-height:1.35;color:#536474}.score-face{width:30px;height:30px;border:2px solid currentColor;border-radius:50%;display:grid;place-items:center;font-weight:900;margin-bottom:5px}.poor{color:#d82125}.fair{color:#ed7c22}.good{color:#e5a900}.very-good{color:#4b9d45}.excellent{color:#147b49}
.credit-health-intro{margin:-10px 0 16px!important;color:rgba(255,255,255,.72)!important;font-size:13px!important;line-height:1.55!important}.credit-health-list>div{grid-template-columns:50px 38px 1fr;align-items:start}.credit-factor-icon{width:42px;height:42px;border:2px solid rgba(255,255,255,.24);border-radius:50%;display:grid!important;place-items:center!important}.credit-factor-icon svg{width:23px;height:23px;fill:none;stroke:#d9ad43;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}
.credit-help-cta{grid-column:1/-1;margin-top:34px;padding:24px 28px;border:1px solid rgba(217,173,67,.55);background:#fbf7ed;display:grid;grid-template-columns:64px 1fr auto;align-items:center;gap:24px;border-radius:10px;box-shadow:0 12px 30px rgba(11,34,53,.05)}.credit-help-icon{width:58px;height:58px;border:1px solid rgba(217,173,67,.55);border-radius:50%;display:grid;place-items:center}.credit-help-icon svg{width:30px;height:30px;fill:none;stroke:#b98212;stroke-width:1.7;stroke-linecap:round;stroke-linejoin:round}.credit-help-cta>div:nth-child(2){display:grid;gap:5px}.credit-help-cta>div:nth-child(2)>span{color:#b98212;font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase}.credit-help-cta>div:nth-child(2)>strong{color:#0b2235;font-size:24px;line-height:1.2}.credit-help-cta>div:nth-child(2)>small{color:#52616d;font-size:13px;line-height:1.5}.credit-help-action{display:grid;justify-items:center;gap:7px}.credit-help-action small{font-size:11px;color:#687781}.credit-help-action .btn{white-space:nowrap;color:#071725!important}.credit-help-action .btn:hover{color:#071725!important}
@media(max-width:980px){.credit-help-cta{grid-template-columns:56px 1fr}.credit-help-action{grid-column:2;justify-items:start}.credit-score-bands small{display:none}}
@media(max-width:700px){.credit-score-card{padding:20px 16px}.credit-score-head{align-items:flex-start;flex-direction:column}.credit-score-bands{grid-template-columns:1fr}.credit-score-bands>div{display:grid;grid-template-columns:34px 1fr 1fr;align-items:center;border-right:0;border-bottom:1px solid rgba(11,34,53,.1);padding:9px 0}.credit-score-bands small{display:none}.score-face{margin:0}.credit-score-bar,.credit-score-ticks{display:none}.credit-help-cta{grid-template-columns:1fr}.credit-help-action{grid-column:1}.credit-help-icon{display:none}.credit-health-list>div{grid-template-columns:42px 32px 1fr}.credit-factor-icon{width:36px;height:36px}.credit-factor-icon svg{width:20px;height:20px}}

/* V267 — approved credit status + handshake icon treatment */
.score-face{width:40px!important;height:40px!important;border:0!important;border-radius:0!important;display:block!important;margin-bottom:9px!important}
.score-face svg{width:40px;height:40px;display:block;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.score-face svg .dot{fill:currentColor;stroke:none}
.credit-score-bands>div{padding-top:2px}
.credit-help-icon{width:72px!important;height:72px!important;border:1.5px solid rgba(217,173,67,.62)!important}
.credit-help-icon svg{width:42px!important;height:42px!important;fill:none!important;stroke:#b98212!important;stroke-width:2.3!important;stroke-linecap:round;stroke-linejoin:round}
@media(max-width:700px){.score-face{width:34px!important;height:34px!important;margin:0!important}.score-face svg{width:34px;height:34px}}
\n/* V268 — live mortgage-rate grid */\n.resource-quicklinks{grid-template-columns:repeat(5,minmax(0,1fr))}\n.rate-grid-section{background:#f5f1e8;color:#0b2235;padding:76px 0}\n.rate-grid-heading{display:flex;justify-content:space-between;gap:32px;align-items:flex-end;margin-bottom:28px}.rate-grid-heading h2{color:#0b2235;margin:.3rem 0 .65rem;font-size:clamp(2rem,3.2vw,3.25rem)}.rate-grid-heading p{max-width:760px;color:#53616b}.rate-updated{background:#fff;border:1px solid rgba(11,34,53,.12);border-radius:14px;padding:14px 18px;display:grid;grid-template-columns:10px auto;gap:2px 9px;min-width:240px}.rate-updated small{grid-column:2;color:#68757e}.rate-live-dot{width:9px;height:9px;border-radius:50%;background:#c78d13;margin-top:6px}.rate-summary-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-bottom:18px}.rate-summary-card{background:#fff;border:1px solid rgba(11,34,53,.12);border-radius:16px;padding:22px 24px;box-shadow:0 8px 28px rgba(11,34,53,.05)}.rate-summary-card.featured{border-color:rgba(199,141,19,.55)}.rate-summary-card span,.bank-rate-title span,.rate-cta span{font-size:.75rem;font-weight:800;letter-spacing:.13em;color:#b47b0c}.rate-summary-card strong{display:block;font-size:2.25rem;color:#0b2235;margin:7px 0 3px}.rate-summary-card small{color:#68757e}.bank-rate-panel{background:#fff;border:1px solid rgba(11,34,53,.12);border-radius:18px;overflow:hidden;box-shadow:0 12px 36px rgba(11,34,53,.06)}.bank-rate-title{padding:24px 26px 20px;display:flex;justify-content:space-between;gap:20px;align-items:end;border-bottom:1px solid #e8e3d9}.bank-rate-title h3{color:#0b2235;margin:5px 0 0;font-size:1.45rem}.bank-rate-title>small{color:#68757e}.bank-rate-row{display:grid;grid-template-columns:1.45fr repeat(3,1fr) 1.25fr;align-items:center;min-height:68px;padding:0 26px;border-bottom:1px solid #eee9df}.bank-rate-row>div:not(:first-child){text-align:center;font-weight:750}.bank-rate-row>div:first-child small{display:block;color:#7a858c;margin-top:3px}.bank-rate-head{min-height:44px;background:#0b2235;color:#fff;font-size:.78rem;letter-spacing:.04em;text-transform:uppercase}.rate-status{display:inline-flex;padding:6px 9px;border-radius:999px;font-size:.7rem;font-weight:800;white-space:nowrap}.rate-status.pending{background:#f4ead2;color:#8b620f}.rate-status.investigating{background:#eef1f2;color:#5f6b72}.rate-status.verified{background:#e7f2e9;color:#2f6b3d}.rate-disclaimer{padding:17px 26px;color:#66747c;font-size:.82rem;line-height:1.55;background:#faf8f3}.rate-cta{margin-top:18px;border:1px solid rgba(199,141,19,.48);border-radius:18px;padding:25px 28px;display:flex;align-items:center;justify-content:space-between;gap:28px;background:linear-gradient(110deg,#fffaf0,#f2e7ce)}.rate-cta h3{color:#0b2235;margin:5px 0}.rate-cta p{margin:0;color:#58666f;max-width:780px}.rate-cta .btn{flex:0 0 auto}\n@media(max-width:980px){.resource-quicklinks{grid-template-columns:repeat(2,1fr)}.rate-grid-heading,.bank-rate-title,.rate-cta{align-items:flex-start;flex-direction:column}.rate-summary-grid{grid-template-columns:1fr}.bank-rate-row{grid-template-columns:1.2fr repeat(3,.8fr) 1fr;padding:0 14px;font-size:.82rem}}\n@media(max-width:700px){.resource-quicklinks{grid-template-columns:1fr}.bank-rate-table{overflow-x:auto}.bank-rate-row{min-width:720px}.rate-grid-section{padding:54px 0}}\n
/* V269 — dedicated Rates & Lenders page */
.rates-hero{padding:88px 0 76px;background:linear-gradient(115deg,#071c2b,#0c2b40 65%,#12364b)}
.rates-hero h1{max-width:780px;font-size:clamp(42px,5.2vw,72px);line-height:1.02;margin:10px 0 18px;color:#fff}
.rates-hero .lead{max-width:850px;color:rgba(255,255,255,.78)}
.rates-resource-teaser{padding:44px 0}
.rates-teaser-card,.lender-home-inner{display:flex;align-items:center;justify-content:space-between;gap:40px;padding:34px 38px;border:1px solid rgba(190,139,36,.34);background:#f8f5ed}
.rates-teaser-card h2,.lender-home-strip h2{margin:5px 0 8px;color:#0b2235}
.rates-teaser-card p,.lender-home-strip p{margin:0;max-width:760px}
.lender-home-strip{padding:54px 0}
.lender-home-inner{background:#fff}
@media(max-width:800px){.rates-teaser-card,.lender-home-inner{flex-direction:column;align-items:flex-start;padding:26px 22px}.rates-hero{padding:64px 0 54px}}

/* V270 — home lender strip contrast */
.lender-home-strip .eyebrow{color:#b98520!important}
.lender-home-strip h2{color:#0b2235!important}
.lender-home-strip p{color:#52616c!important}
.lender-home-strip .btn.gold{color:#0b2235!important}

/* V271 — Rates hero alignment + restore lender card imagery/icons on dedicated Rates page */
.rates-page .rates-hero{
  height:330px!important;
  min-height:330px!important;
  padding:46px 0 38px!important;
  display:flex!important;
  align-items:center!important;
}
.rates-page .rates-hero h1{
  max-width:820px!important;
  font-size:clamp(36px,3.4vw,48px)!important;
  line-height:1.04!important;
  margin:8px 0 12px!important;
}
.rates-page .rates-hero .lead{font-size:16px!important;line-height:1.5!important;max-width:860px!important;margin-bottom:0!important}

/* Carry the approved lender-card visual system from the original home lender section onto Rates. */
.rates-page .lender-network .lender-type-card{
  position:relative!important;overflow:hidden!important;display:flex!important;flex-direction:column!important;
  padding:25px 21px 21px!important;background-repeat:no-repeat!important;background-size:cover!important;background-position:68% center!important;
}
.rates-page .lender-network .lender-type-card:nth-child(1){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.96) 54%,rgba(247,249,249,.73) 100%),url('assets/card-clean-residential.jpg')!important}
.rates-page .lender-network .lender-type-card:nth-child(2){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.96) 54%,rgba(247,249,249,.73) 100%),url('assets/card-clean-renewal.jpg')!important}
.rates-page .lender-network .lender-type-card:nth-child(3){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.96) 54%,rgba(247,249,249,.74) 100%),url('assets/card-clean-self.jpg')!important}
.rates-page .lender-network .lender-type-card:nth-child(4){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.96) 54%,rgba(247,249,249,.73) 100%),url('assets/card-clean-equity.jpg')!important}
.rates-page .lender-network .lender-type-card:nth-child(5){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.96) 54%,rgba(247,249,249,.72) 100%),url('assets/card-clean-private.jpg')!important}
.rates-page .lender-network .lender-type-card:nth-child(6){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.955) 52%,rgba(247,249,249,.69) 100%),url('assets/card-clean-commercial.jpg')!important}
.rates-page .lender-network .lender-type-card:nth-child(7){background-image:linear-gradient(90deg,rgba(255,255,255,.985) 0%,rgba(255,255,255,.955) 52%,rgba(247,249,249,.69) 100%),url('assets/card-clean-construction.jpg')!important}
.rates-page .lender-network .lender-type-card:nth-child(8){background-image:linear-gradient(90deg,rgba(255,255,255,.99) 0%,rgba(255,255,255,.965) 58%,rgba(247,249,249,.76) 100%),url('assets/card-clean-residential.jpg')!important}
.rates-page .lender-network .lender-type-card::after{display:none!important}
.rates-page .lender-network .lender-type-card::before{content:""!important;position:absolute!important;right:22px!important;top:18px!important;width:38px!important;height:38px!important;background-size:contain!important;background-position:center!important;background-repeat:no-repeat!important;opacity:1!important;z-index:2!important}
.rates-page .lender-network .lender-type-card:nth-child(1)::before{background-image:url('assets/lender-icon-bank.svg')!important}
.rates-page .lender-network .lender-type-card:nth-child(2)::before{background-image:url('assets/lender-icon-people.svg')!important}
.rates-page .lender-network .lender-type-card:nth-child(3)::before{background-image:url('assets/lender-icon-document.svg')!important}
.rates-page .lender-network .lender-type-card:nth-child(4)::before{background-image:url('assets/lender-icon-growth.svg')!important}
.rates-page .lender-network .lender-type-card:nth-child(5)::before{background-image:url('assets/lender-icon-lock.svg')!important}
.rates-page .lender-network .lender-type-card:nth-child(6)::before{background-image:url('assets/lender-icon-building.svg')!important}
.rates-page .lender-network .lender-type-card:nth-child(7)::before{background-image:url('assets/lender-icon-crane.svg')!important}
.rates-page .lender-network .lender-type-card:nth-child(8)::before{background-image:url('assets/lender-icon-star.svg')!important}
.rates-page .lender-network .lender-type-card h3{position:relative!important;z-index:2!important;margin:8px 46px 4px 0!important;font-size:21px!important;color:#0d3553!important}
.rates-page .lender-network .lender-type-card h3::before{content:"";position:absolute;left:0;top:-12px;width:42px;height:2px;border-radius:2px;background:#d9a420}
.rates-page .lender-network .lender-type-card>p{position:relative;z-index:2;margin-bottom:12px!important;min-height:32px!important;color:#62798b!important}
.rates-page .lender-network .lender-type-card .bare-logo-row{position:relative;z-index:2;min-height:66px!important;margin:2px 0 0!important;gap:22px!important;max-width:86%;flex:0 0 auto!important}
.rates-page .lender-network .lender-type-card .many-more{position:relative!important;z-index:2!important;color:#95680b!important;font-size:12px!important;margin-top:auto!important;padding-top:8px!important}
.rates-page .lender-network .specialty-card .program-tags{position:relative;z-index:2;margin:9px 0 4px!important;order:5!important}
.rates-page .lender-network .specialty-card .program-tags span{min-height:52px!important;background:rgba(255,255,255,.72)!important;border-color:#d8a21d!important}
@media(max-width:800px){
 .rates-page .rates-hero{height:auto!important;min-height:260px!important;padding:42px 0 36px!important}
 .rates-page .lender-network .lender-type-card::before{width:34px!important;height:34px!important;right:18px!important;top:18px!important}
 .rates-page .lender-network .lender-type-card .bare-logo-row{max-width:100%}
}

/* V272 — lender card icon and +Many more placement locked to approved layout */
.rates-page .lender-network .lender-type-card{
  position:relative!important;
  padding:25px 21px 46px!important;
}
.rates-page .lender-network .lender-type-card::before{
  left:auto!important;
  right:22px!important;
  top:18px!important;
  bottom:auto!important;
  width:38px!important;
  height:38px!important;
  margin:0!important;
  transform:none!important;
}
.rates-page .lender-network .lender-type-card h3::before{
  display:none!important;
  content:none!important;
}
.rates-page .lender-network .lender-type-card .many-more,
.rates-page .lender-network .lender-type-card .specialty-more{
  position:absolute!important;
  left:21px!important;
  right:auto!important;
  bottom:17px!important;
  top:auto!important;
  margin:0!important;
  padding:0!important;
  line-height:1.1!important;
  z-index:5!important;
  display:block!important;
  color:#95680b!important;
  font-size:12px!important;
  font-weight:750!important;
  white-space:nowrap!important;
}
@media(max-width:800px){
 .rates-page .lender-network .lender-type-card{padding:23px 18px 44px!important}
 .rates-page .lender-network .lender-type-card::before{right:18px!important;top:17px!important;width:34px!important;height:34px!important}
 .rates-page .lender-network .lender-type-card .many-more,
 .rates-page .lender-network .lender-type-card .specialty-more{left:18px!important;bottom:16px!important}
}

/* V273 — Rates hero uses approved generated mortgage-rate image */
.rates-page .rates-hero{
  background-image:
    linear-gradient(90deg,rgba(5,24,38,.92) 0%,rgba(5,24,38,.76) 31%,rgba(5,24,38,.30) 55%,rgba(5,24,38,.04) 74%),
    url('assets/hero-rates-v273.png')!important;
  background-size:cover!important;
  background-position:center center!important;
  background-repeat:no-repeat!important;
}
.rates-page .rates-hero .wrap{position:relative;z-index:1}
.rates-page .rates-hero .kicker{color:#d7a83f!important}
.rates-page .rates-hero h1{color:#fff!important;text-shadow:0 2px 14px rgba(0,0,0,.24)}
.rates-page .rates-hero .lead{color:rgba(255,255,255,.9)!important;text-shadow:0 1px 10px rgba(0,0,0,.18)}
@media(max-width:800px){
  .rates-page .rates-hero{
    background-position:63% center!important;
    background-image:
      linear-gradient(90deg,rgba(5,24,38,.94) 0%,rgba(5,24,38,.82) 48%,rgba(5,24,38,.42) 100%),
      url('assets/hero-rates-v273.png')!important;
  }
}

/* V274 — keep centered site shell aligned on short pages such as About.
   Reserving the vertical scrollbar gutter prevents the viewport width from
   changing between short and long pages. */
html{overflow-y:scroll;scrollbar-gutter:stable;}


/* V276 — conventional/high-ratio rate comparison */
.rate-context-grid{grid-template-columns:.95fr 1.05fr 1.7fr}
.context-card{display:flex;align-items:center;gap:16px}.context-card .context-icon{width:50px;height:50px;border-radius:50%;display:grid;place-items:center;flex:0 0 50px;background:#f7ecd3;color:#b47b0c;font-size:1.55rem;font-weight:800}.context-card strong.context-title{font-size:1rem;margin:4px 0;color:#0b2235}.split-context{display:grid;grid-template-columns:1fr 1fr;gap:0;padding:18px 20px}.context-half{display:flex;align-items:center;gap:11px;min-width:0}.context-half+ .context-half{border-left:1px solid #e6dfd2;padding-left:18px;margin-left:18px}.context-half .context-icon{width:42px;height:42px;flex-basis:42px;font-size:1.25rem}.expanded-rate-table{overflow-x:auto}.bank-rate-row.expanded-row,.bank-rate-row.expanded-head{grid-template-columns:1.25fr repeat(6,1fr);min-width:1040px;padding:0 18px}.expanded-head{min-height:62px;text-transform:none;letter-spacing:0}.expanded-head>div{display:flex;flex-direction:column;gap:2px;justify-content:center}.expanded-head small{font-size:.66rem;opacity:.78;font-weight:600}.expanded-row>div:not(:first-child){font-size:1rem}.amortization-note{display:flex;gap:18px;align-items:flex-start;margin:16px 0 0;padding:17px 22px;border-radius:13px;background:#eaf3fb;color:#173b5b;font-size:.86rem}.amortization-note strong{white-space:nowrap}.amortization-note span{color:#4d6477;line-height:1.5}
@media(max-width:980px){.rate-context-grid{grid-template-columns:1fr}.split-context{grid-template-columns:1fr 1fr}.bank-rate-row.expanded-row,.bank-rate-row.expanded-head{grid-template-columns:1.25fr repeat(6,1fr);padding:0 14px}.amortization-note{flex-direction:column;gap:5px}}
@media(max-width:600px){.split-context{grid-template-columns:1fr}.context-half+.context-half{border-left:0;border-top:1px solid #e6dfd2;padding-left:0;padding-top:14px;margin-left:0;margin-top:14px}.amortization-note strong{white-space:normal}}

/* V277 — polished rate snapshot cards */
.rate-context-grid{align-items:stretch;gap:16px}
.rate-context-grid>.rate-summary-card{min-height:190px;height:100%;box-sizing:border-box;padding:24px 26px;border-radius:16px}
.rate-context-grid .polished-summary>span,
.rate-context-grid .polished-summary .summary-copy>span,
.rate-context-grid .context-half>div>span{display:block;margin:0 0 10px;line-height:1.25;letter-spacing:.105em}
.rate-context-grid .prime-card{display:flex;flex-direction:column;justify-content:center;align-items:flex-start}
.rate-context-grid .prime-card>strong{margin:1px 0 7px;line-height:1;font-size:2.15rem}
.rate-context-grid .summary-label{font-weight:750;color:#102b42;line-height:1.35;margin:0 0 5px}
.rate-context-grid .prime-card small,
.rate-context-grid .context-card small{display:block;line-height:1.45;margin:0;color:#617184}
.rate-context-grid .context-card{align-items:center}
.rate-context-grid .context-card:not(.split-context){justify-content:flex-start}
.rate-context-grid .summary-copy{display:flex;flex-direction:column;justify-content:center;min-width:0}
.rate-context-grid .context-card strong.context-title{display:block;margin:0 0 5px;font-size:1.05rem;line-height:1.3}
.rate-context-grid .split-context{align-items:stretch;padding:24px 26px}
.rate-context-grid .context-half{align-items:center;min-height:100%}
.rate-context-grid .context-half>div:last-child{display:flex;flex-direction:column;justify-content:center;min-width:0}
.rate-context-grid .context-half+.context-half{padding-left:24px;margin-left:24px}
.rate-context-grid .context-half .context-icon{flex:0 0 44px;width:44px;height:44px}
@media(max-width:980px){.rate-context-grid>.rate-summary-card{min-height:160px}.rate-context-grid .split-context{min-height:170px}}
@media(max-width:600px){.rate-context-grid>.rate-summary-card{min-height:auto;padding:21px 20px}.rate-context-grid .split-context{padding:21px 20px}.rate-context-grid .context-half+.context-half{padding-left:0;margin-left:0;padding-top:18px;margin-top:18px}}


/* V278 — elevated affordability-result CTA */
.tools-page .calc-result-note .afford-result-cta{
  margin-top:16px;
  padding:18px 20px;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:22px;
  border:1px solid rgba(228,173,46,.55);
  border-radius:9px;
  background:linear-gradient(135deg,#0b2033 0%,#102f49 100%);
  box-shadow:0 10px 24px rgba(7,19,33,.12);
}
.tools-page .afford-result-cta-copy{display:flex;flex-direction:column;gap:4px;min-width:0}
.tools-page .afford-result-cta-copy strong{color:#fff;font-size:1.03rem;line-height:1.25;font-weight:800}
.tools-page .afford-result-cta-copy span{color:#d7e0e8;font-size:.86rem;line-height:1.45}
.tools-page .calc-result-note .afford-result-consult-btn{
  flex:0 0 auto;
  margin-top:0;
  min-height:46px;
  padding:12px 18px;
  border-radius:6px;
  background:#e4ad2e;
  color:#071321!important;
  box-shadow:0 5px 14px rgba(228,173,46,.22);
  white-space:nowrap;
  transition:transform .18s ease,filter .18s ease,box-shadow .18s ease;
}
.tools-page .calc-result-note .afford-result-consult-btn:hover{
  transform:translateY(-1px);
  filter:brightness(1.05);
  box-shadow:0 8px 18px rgba(228,173,46,.28);
}
.tools-page .calc-result-note .afford-result-consult-btn span{margin-left:7px;font-size:1.05em}
@media(max-width:760px){
  .tools-page .calc-result-note .afford-result-cta{align-items:stretch;flex-direction:column;gap:14px;padding:17px}
  .tools-page .calc-result-note .afford-result-consult-btn{width:100%;white-space:normal;text-align:center}
}

/* V280 — more frequent, slower glistening sweep on affordability-result CTA */
.tools-page .calc-result-note .afford-result-cta{
  position:relative;
  overflow:hidden;
  isolation:isolate;
}
.tools-page .calc-result-note .afford-result-cta::before{
  content:"";
  position:absolute;
  z-index:0;
  top:-55%;
  left:-38%;
  width:22%;
  height:210%;
  pointer-events:none;
  opacity:0;
  transform:skewX(-18deg);
  background:linear-gradient(90deg,transparent 0%,rgba(255,255,255,.04) 25%,rgba(255,220,132,.26) 50%,rgba(255,255,255,.08) 72%,transparent 100%);
  filter:blur(.2px);
  animation:orbitCtaGlisten 4.8s ease-in-out infinite;
}
.tools-page .calc-result-note .afford-result-cta > *{position:relative;z-index:1}
@keyframes orbitCtaGlisten{
  0%,15%{left:-38%;opacity:0}
  20%{opacity:.85}
  72%{left:118%;opacity:.72}
  78%,100%{left:118%;opacity:0}
}
@media (prefers-reduced-motion:reduce){
  .tools-page .calc-result-note .afford-result-cta::before{animation:none;display:none}
}

/* V281 — Privacy Policy */
.privacy-hero{padding:70px 0 58px}.privacy-hero h2{max-width:760px}.privacy-hero .lead{max-width:780px}.privacy-updated{margin-top:22px;color:#9ba8b8;font-size:13px}.privacy-layout{display:grid;grid-template-columns:minmax(250px,.72fr) minmax(0,1.7fr);gap:72px;align-items:start}.privacy-summary{position:sticky;top:108px;padding:28px;border:1px solid rgba(183,145,74,.28);background:linear-gradient(145deg,#f8f6f1,#fff);border-radius:16px}.privacy-summary h3{margin:6px 0 12px}.privacy-summary p{line-height:1.65}.privacy-copy{max-width:820px}.privacy-copy h3{margin:0 0 10px;padding-top:30px;border-top:1px solid rgba(14,28,48,.10)}.privacy-copy h3:first-child{padding-top:0;border-top:0}.privacy-copy p{margin:0 0 28px;line-height:1.78;color:#526071}.privacy-copy a{color:#9a7129;text-decoration:underline;text-underline-offset:3px}.footer a[href$="privacy.html"]{color:#c4a25e}
@media(max-width:850px){.privacy-layout{grid-template-columns:1fr;gap:34px}.privacy-summary{position:static}.privacy-hero{padding:54px 0 44px}}

/* V283 — Privacy Policy readability fix */
body:has(.privacy-layout) main > .section:not(.dark){
  background:#fff!important;
  color:#142033!important;
}
body:has(.privacy-layout) .privacy-summary{
  color:#142033!important;
}
body:has(.privacy-layout) .privacy-summary h3,
body:has(.privacy-layout) .privacy-copy h3{
  color:#12324a!important;
}
body:has(.privacy-layout) .privacy-summary p{
  color:#526071!important;
}
body:has(.privacy-layout) .privacy-copy p,
body:has(.privacy-layout) .privacy-copy li{
  color:#526071!important;
}
body:has(.privacy-layout) .privacy-copy strong,
body:has(.privacy-layout) .privacy-summary strong{
  color:#24384a!important;
}
body:has(.privacy-layout) .privacy-copy a{
  color:#8d651c!important;
}
body:has(.privacy-layout) .privacy-hero h2{
  color:#fff!important;
}
body:has(.privacy-layout) .privacy-hero .lead{
  color:#c4cfdd!important;
}

/* V284 — Alex Choi profile portrait */
.team-photo{aspect-ratio:4/5;overflow:hidden;background:#eef2f5}
.team-photo img{width:100%;height:100%;display:block;object-fit:cover}
.team-photo-alex img{object-position:center 42%}
@media(max-width:800px){.team-photo{aspect-ratio:1/1}}
@media(max-width:520px){.team-photo{aspect-ratio:4/3}.team-photo-alex img{object-position:center 38%}}

/* Orbit team photography */
.orbit-team-feature{overflow:hidden;border-radius:18px;box-shadow:0 18px 42px rgba(0,0,0,.18);background:#eef2f5;aspect-ratio:4/3}
.orbit-team-feature img{width:100%;height:100%;display:block;object-fit:cover;object-position:center center}
@media(max-width:800px){.orbit-team-feature{aspect-ratio:4/3}}

/* v296 — keep partner heads fully visible in About-page crop */
.orbit-partners-photo img{object-position:center 44%}

/* v301 — definitive desktop nav current-page underline */
.top .navlinks > a:not(.btn)::after{display:none !important;content:none !important;}
.top .navlinks > a.active:not(.btn)::after,
.top .navlinks > a[aria-current="page"]:not(.btn)::after{
  display:block !important;
  content:"" !important;
  position:absolute !important;
  left:0 !important;
  right:0 !important;
  bottom:-18px !important;
  height:2px !important;
  background:#efb52d !important;
}
.top .navlinks > .language-toggle a::after,
.top .navlinks > .language-toggle span::after{display:none !important;content:none !important;}

/* v302 — current-page nav only; stale Home underline hard stop */
.top .navlinks > a:first-child:not(.active):not([aria-current="page"])::after{display:none!important;content:none!important;}
.top .navlinks > a:not(.active):not([aria-current="page"]):not(.btn)::after{display:none!important;content:none!important;}

/* v303 — nav underline rendered only by explicit .nav-current-bar span */
.top .navlinks > a:not(.btn)::before,.top .navlinks > a:not(.btn)::after{display:none!important;content:none!important;}
.top .navlinks > a .nav-current-bar{display:none;position:absolute;left:0;right:0;bottom:-18px;height:2px;background:#efb52d;pointer-events:none;}
.top .navlinks > a.active .nav-current-bar,.top .navlinks > a[aria-current="page"] .nav-current-bar{display:block;}

/* v306 — eliminate legacy permanent Home underline at source */
.top .navlinks > .nav-legacy-guard{display:none!important}
.top .navlinks a[href="index.html"]::before,.top .navlinks a[href="index.html"]::after{display:none!important;content:none!important}
.top .navlinks a[href="index.html"] .nav-current-bar{display:none!important}
body.home-page .top .navlinks a[href="index.html"] .nav-current-bar{display:block!important}

/* V308 — mobile header keeps language + primary CTA visible while full navigation stays in menu */
.mobile-header-actions{display:none;align-items:center;gap:8px;margin-left:auto}
@media(max-width:850px){
  .nav{gap:10px;position:relative}
  .mobile-header-actions{display:flex}
  .mobile-header-actions .language-toggle{height:34px;padding:2px}
  .mobile-header-actions .language-toggle a,.mobile-header-actions .language-toggle span{height:28px;min-width:38px;padding:0 8px;font-size:11px!important}
  .mobile-header-actions .btn.gold{padding:9px 12px;font-size:11px;line-height:1.1;white-space:nowrap;border-radius:3px}
  .menu{display:flex;align-items:center;justify-content:center;width:38px;height:38px;padding:0;flex:0 0 38px;font-size:25px;line-height:1;cursor:pointer}
  .navlinks{z-index:50;box-shadow:0 18px 34px rgba(0,0,0,.28);border-top:1px solid rgba(255,255,255,.08)}
  .navlinks.open{display:flex}
}
@media(max-width:560px){
  .nav{gap:7px}
  .mobile-header-actions{gap:6px}
  .mobile-header-actions .language-toggle a,.mobile-header-actions .language-toggle span{min-width:34px;padding:0 6px;font-size:10px!important}
  .mobile-header-actions .btn.gold{padding:8px 9px;font-size:10px}
  .menu{width:34px;height:36px;flex-basis:34px;font-size:23px}
}
@media(max-width:390px){
  .brand img{width:84px!important}
  .mobile-header-actions .language-toggle a,.mobile-header-actions .language-toggle span{min-width:31px;padding:0 5px}
  .mobile-header-actions .btn.gold{padding:8px 7px;font-size:9px}
}

/* V309 — keep KakaoTalk icon visible on mobile team profiles */
@media(max-width:520px){
  .team-social .brand-icon.kakao-icon{display:inline-flex!important}
}