/* 247 Home Loans: site styles. No framework, system fonts for speed. */
:root{
  --navy:#0b2545; --navy-2:#13315c; --blue:#114d9f; --blue-light:#e8f0fb;
  --ink:#1b2430; --muted:#4a5568; --line:#d9e1ec; --bg:#ffffff; --bg-alt:#f4f7fb;
  --accent:#f5b83d; --accent-ink:#1b1b1b; --ok:#1e7a46; --warn-bg:#fff6d6; --warn-line:#e0b300;
  --radius:12px; --shadow:0 6px 24px rgba(11,37,69,.10);
  --max:1160px;
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2rem,4.2vw,3.1rem);letter-spacing:-.02em}
h2{font-size:clamp(1.6rem,3vw,2.2rem);letter-spacing:-.01em}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip-link:focus{left:10px;top:10px}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* Draft markers: remove every .draft-note before launch (see README) */
.draft-note{background:var(--warn-bg);border:2px dashed var(--warn-line);color:#5a4500;border-radius:8px;padding:8px 12px;font-size:.85rem;margin:10px 0;line-height:1.4}
.draft-note strong{color:#3d2f00}
.draft-inline{background:var(--warn-bg);border-bottom:2px dashed var(--warn-line);color:#5a4500;padding:0 3px;font-size:.9em}

/* Top bar + header */
.topbar{background:var(--navy);color:#dbe6f5;font-size:.88rem}
.topbar .container{display:flex;gap:18px;justify-content:space-between;align-items:center;padding-top:6px;padding-bottom:6px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.topbar a:hover{text-decoration:underline}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.brand{display:flex;align-items:center;text-decoration:none}
.brand img{width:172px;height:auto}
.nav-toggle{display:none;background:none;border:2px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit;font-weight:600;color:var(--navy);cursor:pointer}
.main-nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
.main-nav a{display:block;padding:10px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:600;font-size:.97rem}
.main-nav a:hover,.main-nav a[aria-current="page"]{background:var(--blue-light);color:var(--blue)}
.main-nav .btn{margin-left:6px;color:var(--accent-ink)}
.main-nav .btn:hover{background:#ffcb5c;color:var(--accent-ink)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:10px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font:inherit;font-weight:700;line-height:1.2;transition:background .15s,transform .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--accent);color:var(--accent-ink)}
.btn-primary:hover{background:#ffcb5c;color:var(--accent-ink)}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--navy);color:#fff}
.btn-outline{border-color:#fff;color:#fff;background:transparent}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-outline-dark{border-color:var(--blue);color:var(--blue);background:#fff}
.btn-outline-dark:hover{background:var(--blue);color:#fff}
.btn-block{width:100%}

/* Hero */
.hero{position:relative;color:#fff;background:var(--navy);overflow:hidden}
.hero-bg{position:absolute;inset:0}
.hero-bg img{width:100%;height:100%;object-fit:cover}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(11,37,69,.96) 0%,rgba(11,37,69,.88) 45%,rgba(17,77,159,.55) 100%)}
.hero .container{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center;padding-top:64px;padding-bottom:64px}
.hero h1{color:#fff}
.hero .eyebrow{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);padding:5px 12px;border-radius:999px;font-size:.85rem;font-weight:600;margin-bottom:16px}
.hero .lead{font-size:1.15rem;color:#e3ecf8;max-width:38em}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 8px}
.hero .draft-note{max-width:38em}
.page-hero{background:linear-gradient(120deg,var(--navy),var(--navy-2) 60%,var(--blue));color:#fff;padding:52px 0 44px}
.page-hero h1{color:#fff;margin-bottom:.3em}
.page-hero p{color:#dbe6f5;font-size:1.1rem;max-width:44em;margin:0}

/* Trust strip */
.trust-strip{background:#fff;border-bottom:1px solid var(--line)}
.trust-strip ul{list-style:none;margin:0;padding:16px 0;display:flex;flex-wrap:wrap;gap:10px 28px;justify-content:center;align-items:center}
.trust-strip li{display:flex;align-items:center;gap:8px;font-weight:600;color:var(--navy);font-size:.95rem}
.trust-strip svg,.trust-strip img{width:22px;height:22px;color:var(--blue);flex:none}

/* Sections */
.section{padding:72px 0}
.section-alt{background:var(--bg-alt)}
.section-head{max-width:720px;margin:0 auto 40px;text-align:center}
.section-head p{color:var(--muted);font-size:1.07rem}
.grid{display:grid;gap:24px}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 1px 2px rgba(11,37,69,.04)}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.icon-badge{width:46px;height:46px;border-radius:12px;background:var(--blue-light);color:var(--blue);display:grid;place-items:center;margin-bottom:14px}
.icon-badge svg{width:24px;height:24px}
.program-card{display:flex;flex-direction:column}
.program-card .tag{align-self:flex-start;font-size:.75rem;font-weight:700;letter-spacing:.04em;text-transform:uppercase;color:var(--blue);background:var(--blue-light);padding:3px 8px;border-radius:6px;margin-bottom:10px}
.program-card ul{margin:0 0 1em;padding-left:1.1em;color:var(--muted)}
.program-card .more{margin-top:auto;font-weight:700}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split img{border-radius:var(--radius);box-shadow:var(--shadow)}
.checklist{list-style:none;padding:0;margin:0 0 1.2em}
.checklist li{position:relative;padding-left:32px;margin-bottom:12px}
.checklist li::before{content:"";position:absolute;left:0;top:4px;width:20px;height:20px;border-radius:50%;background:var(--blue) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='%23fff' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}

/* Steps */
.steps{counter-reset:step;list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.steps li{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:56px 22px 22px}
.steps li::before{counter-increment:step;content:counter(step);position:absolute;top:18px;left:22px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:grid;place-items:center}
.steps h3{font-size:1.08rem}
.steps p{color:var(--muted);margin:0;font-size:.97rem}

/* Reviews */
.review-placeholder{border:2px dashed var(--line);border-radius:var(--radius);padding:26px;background:#fff;color:var(--muted)}
.stars{color:#c98a00;letter-spacing:2px;font-size:1.1rem}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:12px}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:700;color:var(--navy);list-style:none;position:relative;padding-right:48px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--blue)}
.faq details[open] summary::after{content:"\2212"}
.faq details>div{padding:0 22px 18px;color:var(--muted)}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--navy),var(--blue));color:#fff;padding:56px 0;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#dbe6f5;font-size:1.1rem}
.cta-band .hero-ctas{justify-content:center}

/* Team */
.team-card{display:grid;grid-template-columns:120px 1fr;gap:22px;align-items:start}
.avatar{width:120px;height:120px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--navy));color:#fff;display:grid;place-items:center;font-size:2.2rem;font-weight:700;letter-spacing:.02em}
.team-meta{list-style:none;padding:0;margin:.6em 0 1em;font-size:.97rem}
.team-meta li{margin-bottom:4px}
.nmls{display:inline-block;font-size:.8rem;font-weight:700;background:var(--blue-light);color:var(--blue);padding:2px 8px;border-radius:6px}

/* Forms */
.form-card{background:#fff;color:var(--ink);border-radius:16px;padding:28px;box-shadow:0 18px 50px rgba(0,0,0,.25)}
.form-card h2{font-size:1.45rem;margin-bottom:.2em}
.form-card .sub{color:var(--muted);margin-bottom:16px;font-size:.95rem}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-grid .full{grid-column:1/-1}
.field label,.field legend{display:block;font-weight:600;font-size:.92rem;margin-bottom:5px;color:var(--navy)}
.field .req{color:#b42318}
.field input[type=text],.field input[type=email],.field input[type=tel],.field input[type=number],.field select,.field textarea{width:100%;padding:11px 12px;border:1.5px solid #b8c4d6;border-radius:8px;font:inherit;font-size:1rem;color:var(--ink);background:#fff}
.field textarea{min-height:90px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--blue);outline:3px solid rgba(17,77,159,.2);outline-offset:0}
.field fieldset{border:0;padding:0;margin:0}
.radio-row{display:flex;gap:18px;flex-wrap:wrap}
.radio-row label{font-weight:500;display:flex;gap:6px;align-items:center;color:var(--ink)}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.8rem;line-height:1.45;color:var(--muted)}
.consent input{margin-top:3px;width:18px;height:18px;flex:none}
.hp{position:absolute;left:-5000px}
.form-status{margin-top:12px;font-weight:600;padding:10px 12px;border-radius:8px;display:none}
.form-status.show{display:block}
.form-status.info{background:var(--warn-bg);color:#5a4500;border:1px solid var(--warn-line)}
.form-status.error{background:#fdecea;color:#8a1c12;border:1px solid #f5b5ae}
.form-note{font-size:.8rem;color:var(--muted);margin-top:10px}

/* Calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.calc-result{background:var(--navy);color:#fff;border-radius:16px;padding:28px}
.calc-result h2{color:#fff;font-size:1.3rem}
.calc-total{font-size:2.6rem;font-weight:800;margin:.1em 0 .2em}
.calc-breakdown{list-style:none;padding:0;margin:0 0 1em;border-top:1px solid rgba(255,255,255,.2)}
.calc-breakdown li{display:flex;justify-content:space-between;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.15)}
.calc-disclaimer{font-size:.82rem;color:#c9d6ea}

/* Apply */
.apply-card{text-align:center}
.apply-card .avatar{margin:0 auto 16px}
.apply-card .btn{margin-top:6px}

/* Prose */
.prose{max-width:800px}
.prose h2{font-size:1.5rem;margin-top:1.6em}
.prose ul{padding-left:1.2em}

/* Footer */
.site-footer{background:#081a33;color:#c3cfdf;font-size:.92rem;padding:56px 0 24px}
.site-footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;margin-bottom:32px}
.site-footer h2{color:#fff;font-size:1rem;text-transform:uppercase;letter-spacing:.06em;margin-bottom:12px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.footer-logo{background:#fff;border-radius:10px;padding:8px 12px;display:inline-block;margin-bottom:14px}
.footer-logo img{width:150px}
.eho{display:flex;gap:12px;align-items:center;color:#fff;font-weight:700;margin:14px 0}
.eho img,.eho svg{width:44px;height:44px;filter:invert(1)}
.disclosures{border-top:1px solid rgba(255,255,255,.15);padding-top:20px;font-size:.8rem;line-height:1.55;color:#aebbd0}
.disclosures p{margin-bottom:.8em}

/* Mobile action bar */
.mobile-bar{display:none}

/* 404 */
.notfound{text-align:center;padding:96px 0}
.notfound .code{font-size:5rem;font-weight:800;color:var(--blue-light);-webkit-text-stroke:2px var(--blue);line-height:1}

@media (max-width:1024px){
  .grid-4{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:900px){
  .hero .container{grid-template-columns:1fr;padding-top:44px;padding-bottom:44px}
  .split,.calc{grid-template-columns:1fr;gap:28px}
  .grid-3{grid-template-columns:1fr 1fr}
  .js .nav-toggle{display:inline-block}
  .js .main-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .js .main-nav.open{display:block}
  .main-nav ul{flex-direction:column;align-items:stretch;padding:10px 20px 18px}
  .main-nav .btn{margin:8px 0 0}
  .site-header .container{position:relative;flex-wrap:wrap}
  html:not(.js) .main-nav{width:100%}
}
@media (max-width:640px){
  body{font-size:16px}
  .section{padding:52px 0}
  .grid-2,.grid-3,.grid-4,.steps,.form-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .team-card{grid-template-columns:1fr}
  .topbar .container{justify-content:center}
  .topbar .hide-sm{display:none}
  .brand img{width:150px}
  .hero-ctas .btn{width:100%}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:60;box-shadow:0 -4px 16px rgba(0,0,0,.15)}
  .mobile-bar a{padding:14px;text-align:center;font-weight:700;text-decoration:none}
  .mobile-bar .call{background:var(--navy);color:#fff}
  .mobile-bar .apply{background:var(--accent);color:var(--accent-ink)}
  .site-footer{padding-bottom:84px}
}
@media (prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
@media print{.topbar,.site-header,.mobile-bar,.cta-band{display:none}}
.btn svg{width:20px;height:20px;flex:none}
figure,blockquote{margin:0}
.review-placeholder blockquote{margin:10px 0}
.avatar-img{object-fit:cover;background:var(--blue-light);border:3px solid #fff;box-shadow:0 2px 10px rgba(11,37,69,.15)}
.apply-card picture{display:block}
.review-card{display:flex;flex-direction:column}
.review-card blockquote p{color:var(--ink);font-size:.98rem}
.review-card figcaption{margin-top:auto;color:var(--muted);font-size:.92rem}
/* Original 247homeloans.net logo (raster, 349x141 source) */
.brand img{width:180px;height:auto}
.site-header .container{min-height:84px}
.footer-logo img{width:150px;height:auto}
/* Statewide regions band */
.regions-band{background:var(--navy);color:#dbe6f5}
.regions-band h2{color:#fff}
.regions-band .section-head p{color:#c9d6ea}
.regions{list-style:none;padding:0;margin:0 auto;max-width:960px;display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.regions li{display:flex;align-items:center;gap:10px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:10px;padding:14px 16px;font-weight:600;color:#fff}
.regions li svg{width:20px;height:20px;color:var(--accent);flex:none}
.regions li.home-base{background:rgba(245,184,61,.14);border-color:rgba(245,184,61,.55)}
.regions li span{font-weight:400;color:#c9d6ea}
.regions-note{text-align:center;margin:22px 0 0;font-size:.9rem;color:#aebbd0}
@media (max-width:900px){.regions{grid-template-columns:1fr 1fr}}
@media (max-width:640px){.regions{grid-template-columns:1fr}.brand img{width:150px}}
.draft-note.draft-small{font-size:.74rem;padding:4px 10px;border-width:1px;display:inline-block}