/* Handled Mortgage. Brand rules: flat fields and hairlines, no shadows, no gradients,
   no rounded corners, one green value, copper rationed to the square. */
:root {
  --green: #18453B;
  --copper: #C7780B;
  --stone: #EFF5F3;
  --line: #D6DCDA;
  --slate: #5A605E;
  --white: #FFFFFF;
  --on-green: #D5DEDB;
  --rule-green: #2E5A50;
  --sans: 'Libre Franklin', 'Helvetica Neue', Arial, sans-serif;
  --mono: 'IBM Plex Mono', ui-monospace, Menlo, monospace;
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-padding-top: 24px; }
body {
  margin: 0;
  background: var(--white);
  color: var(--green);
  font: 400 17px/1.6 var(--sans);
  -webkit-font-smoothing: antialiased;
}
h1, h2, h3, p, ul, ol { margin: 0; }
ul, ol { padding: 0; list-style: none; }
svg { display: block; }
a { color: inherit; }
:focus-visible { outline: 3px solid var(--copper); outline-offset: 3px; }

.wrap { width: min(1160px, 100% - 48px); margin-inline: auto; }
.narrow { max-width: 760px; }
.fig { font-family: var(--mono); font-weight: 500; font-variant-numeric: tabular-nums; }
.skip { position: absolute; left: 12px; top: -60px; background: var(--white); color: var(--green); padding: 10px 14px; font-weight: 600; z-index: 10; }
.skip:focus { top: 12px; }

/* The full stop */
.stop { display: inline-block; flex: none; width: .17em; height: .17em; background: var(--copper); }

/* Type */
.display { font-weight: 800; font-size: clamp(40px, 6vw, 68px); line-height: 1; letter-spacing: -.03em; max-width: 17ch; }
.headline { font-weight: 700; font-size: clamp(27px, 3.4vw, 36px); line-height: 1.12; letter-spacing: -.02em; }
.subhead { font-weight: 600; font-size: 21px; line-height: 1.25; }
.lede { font-size: clamp(19px, 2vw, 22px); line-height: 1.45; max-width: 34em; }
.body { color: var(--slate); max-width: 38em; }
.label { font-weight: 600; font-size: 12px; letter-spacing: .18em; text-transform: uppercase; color: var(--slate); margin-bottom: 14px; }
.note { font-size: 14.5px; line-height: 1.5; color: var(--slate); }

h1, h2, .display, .headline { text-wrap: balance; }
.lede, .body { text-wrap: pretty; }

/* Header */
.site-head { background: var(--green); color: var(--stone); }
.head-row { display: flex; align-items: center; justify-content: space-between; gap: 14px 32px; flex-wrap: wrap; padding-block: 22px; }
.logo { display: inline-flex; align-items: flex-end; text-decoration: none; }
.logo-word { font-weight: 800; font-size: 31px; line-height: .84; letter-spacing: -.03em; }
.logo-stop { width: 6px; height: 6px; background: var(--copper); margin: 0 0 1px 4px; }
.logo-rule { align-self: center; width: 1px; height: 22px; background: var(--rule-green); margin: 0 12px; }
.logo-sub { align-self: center; font-weight: 600; font-size: 9.5px; letter-spacing: .3em; text-transform: uppercase; }
.nav { display: flex; gap: 6px 28px; flex-wrap: wrap; font-weight: 500; font-size: 16px; }
.nav a { text-decoration: none; padding: 4px 0; border-bottom: 2px solid transparent; }
.nav a:hover, .nav a[aria-current] { border-bottom-color: var(--stone); }

/* Hero and page heads */
.hero, .page-head { background: var(--green); color: var(--stone); }
.hero { padding-block: clamp(36px, 6vw, 84px) clamp(56px, 8vw, 112px); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 4fr); gap: 40px 56px; align-items: center; }
.hero .lede, .page-head .lede { color: var(--on-green); }
.hero .lede { margin: 26px 0 34px; max-width: 28em; }
.page-head { padding-block: clamp(36px, 6vw, 72px) clamp(48px, 7vw, 88px); }
.page-head .lede { margin-top: 20px; }
.head-action:not(:empty) { margin-top: 22px; }
.page-head-tall { min-height: 52vh; }
.page-head-tall .lede { margin: 26px 0 34px; }

/* Tagline engine */
.engine { display: flex; flex-direction: column; gap: 12px; font-size: inherit; }
.engine-q { font-weight: 400; font-size: clamp(25px, 4vw, 46px); line-height: 1.15; letter-spacing: -.01em; color: var(--on-green); min-height: 1.15em; white-space: nowrap; transition: opacity .35s, transform .35s; }
.engine-a { display: flex; align-items: flex-end; gap: .08em; font-weight: 800; font-size: min(21vw, clamp(72px, 11.6vw, 140px)); line-height: .84; letter-spacing: -.03em; transition: opacity .3s, transform .3s; }
.engine-a .stop { margin-bottom: .03em; }
.engine-q.is-off { opacity: 0; transform: translateY(8px); }
.engine-a.is-off { opacity: 0; transform: translateY(6px); }

.hero-mark { display: flex; flex-direction: column; align-items: center; gap: 18px; }
.split { width: min(100%, 340px); height: auto; overflow: visible; }
.split .fg { fill: var(--stone); }
.split .acc { fill: var(--copper); }
.motion-toggle { font: 500 14px var(--sans); color: var(--on-green); background: none; border: 0; padding: 6px 2px; text-decoration: underline; text-underline-offset: 3px; cursor: pointer; }
.motion-toggle:hover { color: var(--white); }

/* Buttons: one per surface. The full stop closes the label. */
.btn { display: inline-flex; align-items: flex-end; gap: 5px; padding: 17px 24px; border: 0; font: 700 17px/1.1 var(--sans); text-decoration: none; cursor: pointer; }
.btn .stop { width: 6px; height: 6px; margin-bottom: 2px; }
.btn-light { background: var(--stone); color: var(--green); }
.btn-light:hover { background: var(--white); }
.btn-dark { background: var(--green); color: var(--stone); }
.btn-dark:hover { background: #0F2D26; }
.text-link { font-weight: 600; text-underline-offset: 4px; }

/* Bands */
.band { padding-block: clamp(56px, 8vw, 104px); }
.band-stone { background: var(--stone); }
.band-white { background: var(--white); }
.band-green { background: var(--green); color: var(--stone); }
.band-green .body { color: var(--on-green); margin-top: 10px; }
.cta-row { display: flex; align-items: center; justify-content: space-between; gap: 28px 48px; flex-wrap: wrap; }

/* Objection cards: marks stay one-color until touched, which keeps copper rationed */
.band > .wrap > .body { margin-top: 12px; }
.cards { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: 1px; margin-top: 36px; background: var(--line); border: 1px solid var(--line); }
.card { grid-column: span 2; display: flex; flex-direction: column; gap: 10px; padding: 30px 28px 32px; background: var(--white); text-decoration: none; }
.card:nth-child(n+4) { grid-column: span 3; }
.card .mark { width: 60px; height: 60px; margin-bottom: 10px; }
.mark .fg, .mark .acc { fill: var(--green); transition: fill .15s; }
.card h3 { font-weight: 700; font-size: 22px; line-height: 1.2; letter-spacing: -.01em; }
.card p { color: var(--slate); font-size: 16px; line-height: 1.5; }
.card:hover h3 { text-decoration: underline; text-underline-offset: 4px; }
.card:hover .acc, .card:focus-visible .acc { fill: var(--copper); }

/* Split rows and steps */
.split-row { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 44px 80px; align-items: start; }
.split-row .body { margin-top: 16px; }
.split-row p + p:has(.text-link) { margin-top: 18px; }
.steps > li { display: grid; grid-template-columns: 40px minmax(0, 1fr); gap: 8px; padding-block: 20px; border-top: 1px solid var(--line); }
.steps > li:last-child { border-bottom: 1px solid var(--line); }
.steps .fig { font-size: 19px; line-height: 1.4; }
.steps h3 { font-weight: 600; font-size: 19px; line-height: 1.3; }
.steps p { color: var(--slate); font-size: 16px; line-height: 1.5; margin-top: 3px; }
.steps-long > li { padding-block: 28px; }
.steps-long .fig { font-size: 21px; line-height: 1.25; }
.steps-long .body { margin-top: 8px; font-size: 17px; line-height: 1.6; }

/* Loans */
.scenarios { display: flex; flex-direction: column; }
.scenario { display: grid; grid-template-columns: 200px minmax(0, 1fr); gap: 24px 64px; padding-block: 52px; border-top: 1px solid var(--line); scroll-margin-top: 0; }
.scenario:first-child { border-top: 0; padding-top: 0; }
.scenario:last-child { padding-bottom: 0; }
.scenario .mark { width: 128px; height: 128px; }
.scenario:target .acc { fill: var(--copper); }
.scenario .body { margin-top: 14px; }
.scenario .subhead { font-size: 17px; margin-top: 26px; }
.ticks { margin-top: 8px; }
.ticks li { position: relative; padding-left: 20px; color: var(--slate); margin-top: 5px; }
.ticks li::before { content: ''; position: absolute; left: 0; top: .62em; width: 7px; height: 7px; background: var(--green); }
.columns { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 28px 48px; margin-top: 36px; }

/* About and contact */
.person { border-top: 3px solid var(--green); padding-top: 20px; }
.person .body { margin-top: 10px; }
.person p:has(.text-link) { margin-top: 14px; }
.plain { margin-top: 14px; }
.plain:empty { display: none; }
.plain li + li { margin-top: 3px; }
.plain-light { margin-bottom: 26px; color: var(--stone); }
.contact-grid { display: grid; grid-template-columns: minmax(0, 2fr) minmax(0, 1fr); gap: 48px 80px; align-items: start; }
.form { display: flex; flex-direction: column; gap: 22px; align-items: flex-start; }
.field { display: flex; flex-direction: column; gap: 7px; width: 100%; }
.field-row { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 22px; width: 100%; }
.field label { font-weight: 600; font-size: 16px; }
input, select, textarea { width: 100%; padding: 13px 14px; border: 1px solid var(--slate); border-radius: 0; background: var(--white); color: var(--green); font: 400 17px/1.4 var(--sans); }
textarea { resize: vertical; }
.hp { position: absolute; left: -9999px; height: 1px; overflow: hidden; }

.landing .nav { display: none; }
.form-or { margin-top: 26px; }
.form-head { margin-bottom: 26px; }
.partner-more { margin-top: 32px; }
.partner-more .text-link { color: var(--green); }
.columns .body { margin-top: 8px; font-size: 16px; line-height: 1.55; }
.partner-note { font-size: 17px; margin-top: 24px; }
.partner-note + .note { margin-top: 4px; }

/* Legal pages */
.prose h2 { font-weight: 700; font-size: 23px; line-height: 1.2; letter-spacing: -.01em; margin: 40px 0 8px; }
.prose h2:first-child { margin-top: 0; }
.prose p { color: var(--slate); }
.prose p a { color: var(--green); }
.table { width: 100%; border-collapse: collapse; margin-block: 8px 16px; font-size: 16px; }
.table th { text-align: left; font-weight: 600; font-size: 14px; color: var(--slate); }
.table th, .table td { padding: 11px 16px 11px 0; border-bottom: 1px solid var(--line); vertical-align: top; }

/* Footer */
.site-foot { background: var(--white); color: var(--slate); border-top: 1px solid var(--line); padding-block: 44px; font-size: 14.5px; line-height: 1.55; }
.foot-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 2fr); gap: 28px 64px; }
.foot-brand { font-weight: 700; font-size: 17px; color: var(--green); }
.foot-endorse { font-size: 14px; }
.foot-contact { margin-top: 8px; }
.foot-legal { display: flex; flex-direction: column; gap: 12px; }
.foot-legal strong { font-weight: 600; color: var(--green); }
.eho { display: flex; align-items: center; gap: 10px; font-weight: 600; color: var(--green); }
.eho-mark { width: 30px; height: 30px; fill: currentColor; flex: none; }
.foot-links { display: flex; gap: 6px 24px; flex-wrap: wrap; }
.foot-links a, .foot-contact a { color: var(--green); }

@media (max-width: 900px) {
  .hero-grid { grid-template-columns: minmax(0, 1fr); }
  .hero-mark { order: -1; align-items: flex-start; flex-direction: row; justify-content: space-between; }
  .split { width: 132px; }
  .motion-toggle { align-self: flex-end; }
  .card, .card:nth-child(n+4) { grid-column: span 3; }
  .card:last-child { grid-column: span 6; }
  .split-row, .contact-grid, .foot-grid { grid-template-columns: minmax(0, 1fr); }
  .columns { grid-template-columns: minmax(0, 1fr); }
}
@media (max-width: 640px) {
  .wrap { width: calc(100% - 40px); }
  .card, .card:nth-child(n+4), .card:last-child { grid-column: span 6; }
  .field-row { grid-template-columns: minmax(0, 1fr); }
  .scenario { grid-template-columns: minmax(0, 1fr); padding-block: 40px; }
  .scenario .mark { width: 84px; height: 84px; }
  .btn { width: 100%; justify-content: center; }
}
@media (prefers-reduced-motion: reduce) {
  * { transition: none !important; }
}