/* Erik Miller — Your Home Loan Team
   Self-owned stylesheet. No framework, no vendor dependency. */

:root{
  --blue:#0055ff; --blue-dk:#0043cc; --blue-lt:#e8f0ff;
  --navy:#061744; --navy-2:#0d2352;
  --orange:#fb8122; --orange-dk:#e06a10;
  --green:#16c803;
  --ink:#1d1d1d; --body:#444b5b; --muted:#6b7280;
  --line:#dee6f1; --bg:#ffffff; --bg-alt:#f5f8fd;
  --radius:14px; --radius-sm:8px;
  --shadow:0 4px 20px rgba(6,23,68,.09);
  --shadow-lg:0 18px 50px rgba(6,23,68,.16);
  --wrap:1180px;
  --font:'IBM Plex Sans',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--body);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{color:var(--ink);line-height:1.18;margin:0 0 .5em;font-weight:700;letter-spacing:-.02em}
h1{font-size:clamp(2rem,4.4vw,3.25rem)}
h2{font-size:clamp(1.6rem,3.1vw,2.4rem)}
h3{font-size:clamp(1.15rem,1.9vw,1.45rem)}
p{margin:0 0 1.1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
.narrow{max-width:820px}
.center{text-align:center}
.eyebrow{color:var(--blue);font-weight:700;text-transform:uppercase;letter-spacing:.13em;font-size:.78rem;margin:0 0 .7em}
.lede{font-size:1.16rem;color:var(--body)}
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* ---------- buttons ---------- */
.btn{display:inline-block;padding:15px 30px;border-radius:var(--radius-sm);font-weight:700;font-size:1rem;
  border:2px solid transparent;cursor:pointer;text-align:center;font-family:inherit;line-height:1.2;transition:.16s ease}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:var(--orange);color:#fff;box-shadow:0 4px 14px rgba(251,129,34,.34)}
.btn-primary:hover{background:var(--orange-dk);color:#fff}
.btn-blue{background:var(--blue);color:#fff;box-shadow:0 4px 14px rgba(0,85,255,.28)}
.btn-blue:hover{background:var(--blue-dk);color:#fff}
.btn-ghost{background:transparent;color:var(--blue);border-color:var(--blue)}
.btn-ghost:hover{background:var(--blue);color:#fff}
.btn-white{background:#fff;color:var(--blue)}
.btn-white:hover{background:var(--blue-lt);color:var(--blue-dk)}
.btn-lg{padding:18px 40px;font-size:1.08rem}
.btn-block{display:block;width:100%}

/* ---------- header ---------- */
.topbar{background:var(--navy);color:#c9d6f2;font-size:.86rem}
.topbar .wrap{display:flex;gap:18px;align-items:center;justify-content:flex-end;min-height:40px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600}
.topbar .lic{margin-right:auto;color:#9fb2da}

.site-header{position:sticky;top:0;z-index:60;background:#fff;border-bottom:1px solid var(--line)}
.site-header .wrap{display:flex;align-items:center;gap:18px;min-height:82px}
.brand{display:flex;align-items:center;flex-shrink:0}
.brand img{height:52px;width:auto}
.nav{margin-left:auto;display:flex;align-items:center;gap:2px}
.nav a,.nav .navbtn{display:block;padding:10px 13px;color:var(--ink);font-weight:600;font-size:.95rem;
  background:none;border:0;font-family:inherit;cursor:pointer;border-radius:6px}
.nav a:hover,.nav .navbtn:hover{color:var(--blue);background:var(--blue-lt);text-decoration:none}
.has-sub{position:relative}
.has-sub>.navbtn::after{content:"";display:inline-block;margin-left:7px;border:4px solid transparent;border-top-color:currentColor;transform:translateY(2px)}
.submenu{position:absolute;top:100%;left:0;min-width:262px;background:#fff;border:1px solid var(--line);
  border-radius:var(--radius-sm);box-shadow:var(--shadow-lg);padding:8px;display:none;z-index:70}
.has-sub:hover>.submenu,.has-sub:focus-within>.submenu,.submenu.open{display:block}
.submenu a,.submenu button{display:block;width:100%;text-align:left;padding:10px 13px;font-size:.93rem;font-weight:600;
  color:var(--ink);background:none;border:0;font-family:inherit;cursor:pointer;border-radius:6px}
.header-cta{display:flex;align-items:center;gap:10px;flex-shrink:0}
.header-phone{font-weight:800;color:var(--navy);white-space:nowrap;font-size:1.02rem}
.header-phone:hover{color:var(--blue);text-decoration:none}
.burger{display:none;background:none;border:2px solid var(--line);border-radius:8px;width:46px;height:44px;cursor:pointer;padding:0}
.burger span{display:block;width:22px;height:2px;background:var(--ink);margin:4px auto;border-radius:2px}

/* ---------- hero ---------- */
.hero{position:relative;background:linear-gradient(135deg,var(--navy) 0%,#0a2a7a 55%,var(--blue) 130%);color:#fff;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:radial-gradient(circle at 78% 18%,rgba(0,85,255,.42),transparent 58%);pointer-events:none}
.hero .wrap{position:relative;z-index:2;display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center;padding-top:64px;padding-bottom:64px}
.hero h1{color:#fff;margin-bottom:.35em}
.hero .lede{color:#cfdcff;font-size:1.2rem;margin-bottom:1.6em}
.hero-badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px;font-size:.86rem;color:#a9c0f0}
.hero-badges span{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.18);padding:7px 14px;border-radius:100px}

/* quote card */
.quote-card{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow-lg);padding:30px;color:var(--body)}
.quote-card h3{margin-bottom:.25em;font-size:1.3rem}
.quote-card .sub{font-size:.94rem;color:var(--muted);margin-bottom:1.2em}
.loantype{display:grid;gap:10px;margin-bottom:18px}
.loantype label{display:flex;align-items:center;gap:12px;border:2px solid var(--line);border-radius:var(--radius-sm);
  padding:14px 16px;cursor:pointer;font-weight:600;color:var(--ink);transition:.15s}
.loantype label:hover{border-color:var(--blue);background:var(--blue-lt)}
.loantype input{accent-color:var(--blue);width:19px;height:19px;flex-shrink:0}
.loantype input:checked+span{color:var(--blue)}
.loantype label:has(input:checked){border-color:var(--blue);background:var(--blue-lt)}
.formnote{font-size:.82rem;color:var(--muted);text-align:center;margin:12px 0 0}
.err{color:#c62828;font-size:.9rem;font-weight:600;margin:10px 0 0;display:none}
.err.show{display:block}

/* ---------- sections ---------- */
.section{padding:76px 0}
.section-alt{background:var(--bg-alt)}
.section-navy{background:var(--navy);color:#c9d6f2}
.section-navy h2,.section-navy h3{color:#fff}
.section-head{max-width:760px;margin:0 auto 52px;text-align:center}
.section-head p{font-size:1.12rem}

.grid{display:grid;gap:26px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}

.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:.18s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:#c5d5ee}
.card h3{margin-bottom:.4em}
.card p:last-child{margin-bottom:0}
.card .icon{width:52px;height:52px;border-radius:12px;background:var(--blue-lt);color:var(--blue);
  display:flex;align-items:center;justify-content:center;margin-bottom:18px}
.card .icon svg{width:27px;height:27px}

/* tool cards */
.tool{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:.18s}
.tool:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.tool-img{background:var(--blue-lt);padding:26px;text-align:center}
.tool-img img{margin:0 auto;max-height:150px;width:auto}
.tool-body{padding:26px;display:flex;flex-direction:column;flex:1}
.tool-body h3{font-size:1.22rem}
.tool-body p{flex:1;font-size:.97rem}

/* loan program cards */
.prog{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:#fff;transition:.18s;display:flex;flex-direction:column}
.prog:hover{box-shadow:var(--shadow);transform:translateY(-3px)}
.prog img{width:100%;aspect-ratio:4/3;object-fit:cover}
.prog .p-body{padding:22px;display:flex;flex-direction:column;flex:1}
.prog h3{font-size:1.12rem;margin-bottom:.35em}
.prog p{font-size:.94rem;flex:1;margin-bottom:1em}

/* steps */
.steps{counter-reset:s;display:grid;gap:22px;grid-template-columns:repeat(3,1fr)}
.step{position:relative;padding:28px 24px 24px;background:#fff;border:1px solid var(--line);border-radius:var(--radius)}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-19px;left:24px;width:42px;height:42px;
  background:var(--blue);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:1.05rem}
.step h3{margin-top:12px;font-size:1.12rem}
.step p{font-size:.95rem;margin-bottom:0}

/* split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split img{border-radius:var(--radius)}

/* testimonials */
.quote{background:#fff;border:1px solid var(--line);border-left:4px solid var(--blue);border-radius:var(--radius);padding:26px}
.quote p{font-style:italic;color:var(--body);margin-bottom:1em}
.quote cite{font-style:normal;font-weight:700;color:var(--ink);font-size:.95rem}
.stars{color:#f5a623;letter-spacing:2px;margin-bottom:.6em;font-size:1.05rem}

/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--navy),var(--blue-dk));color:#fff;text-align:center;padding:72px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#cfdcff;font-size:1.12rem;max-width:640px;margin:0 auto 1.8em}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* ---------- page hero ---------- */
.page-hero{background:linear-gradient(120deg,var(--navy),#0a2a7a);color:#fff;padding:62px 0 58px;text-align:center}
.page-hero h1{color:#fff;margin-bottom:.3em}
.page-hero p{color:#cfdcff;font-size:1.14rem;max-width:720px;margin:0 auto}
.crumbs{font-size:.85rem;color:#9fb2da;margin-bottom:1.1em}
.crumbs a{color:#cfdcff}

/* prose */
.prose{max-width:820px;margin:0 auto}
.prose h2{margin-top:1.7em}
.prose h3{margin-top:1.5em}
.prose ul,.prose ol{padding-left:1.3em;margin:0 0 1.2em}
.prose li{margin-bottom:.55em}
.prose table{width:100%;border-collapse:collapse;margin:0 0 1.4em;font-size:.95rem}
.prose th,.prose td{border:1px solid var(--line);padding:11px 13px;text-align:left}
.prose th{background:var(--bg-alt);font-weight:700;color:var(--ink)}
.callout{background:var(--blue-lt);border-left:4px solid var(--blue);border-radius:var(--radius-sm);padding:20px 24px;margin:0 0 1.4em}
.callout p:last-child{margin-bottom:0}

/* profile */
.profile{display:grid;grid-template-columns:320px 1fr;gap:46px;align-items:start}
.profile-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;text-align:center;box-shadow:var(--shadow);position:sticky;top:104px}
.profile-card img{border-radius:12px;margin:0 auto 18px;width:100%}
.profile-card h3{margin-bottom:.15em}
.profile-card .role{color:var(--blue);font-weight:700;font-size:.95rem}
.profile-card .nmls{color:var(--muted);font-size:.87rem;margin-bottom:1.1em}
.profile-meta{text-align:left;font-size:.93rem;border-top:1px solid var(--line);padding-top:16px;margin-top:16px}
.profile-meta div{margin-bottom:9px;display:flex;gap:9px;align-items:flex-start}
.profile-meta svg{width:17px;height:17px;color:var(--blue);flex-shrink:0;margin-top:3px}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 380px;gap:46px;align-items:start}
.field{margin-bottom:17px}
.field label{display:block;font-weight:600;color:var(--ink);margin-bottom:6px;font-size:.93rem}
.field input,.field select,.field textarea{width:100%;padding:13px 15px;border:2px solid var(--line);border-radius:var(--radius-sm);
  font-family:inherit;font-size:1rem;color:var(--ink);background:#fff;transition:.15s}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(0,85,255,.12)}
.field textarea{min-height:130px;resize:vertical}
.field .hint{font-size:.82rem;color:var(--muted);margin-top:5px}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:#a9bbdf;padding:62px 0 0;font-size:.94rem}
.site-footer h4{color:#fff;font-size:1rem;margin-bottom:1em;text-transform:uppercase;letter-spacing:.08em}
.site-footer a{color:#cfdcff}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.3fr;gap:38px;padding-bottom:44px}
.footer-logo{background:#fff;border-radius:10px;padding:12px;display:inline-block;margin-bottom:16px}
.footer-logo img{height:46px;width:auto}
.footer-grid ul{list-style:none;padding:0;margin:0}
.footer-grid li{margin-bottom:9px}
.social{display:flex;gap:11px;margin-top:14px}
.social a{width:38px;height:38px;border-radius:9px;background:rgba(255,255,255,.1);display:flex;align-items:center;justify-content:center;color:#fff}
.social a:hover{background:var(--blue)}
.social svg{width:19px;height:19px}
.legal{border-top:1px solid rgba(255,255,255,.13);padding:26px 0 34px;font-size:.8rem;color:#8ea4cf;line-height:1.75}
.legal p{margin:0 0 .7em}
.legal .badges{display:flex;gap:14px;align-items:center;margin-bottom:16px;flex-wrap:wrap}
.eho{display:flex;align-items:center;gap:9px;color:#cfdcff;font-weight:600;font-size:.82rem}
.eho svg{width:30px;height:30px}

/* ---------- funnel modal ---------- */
.modal{position:fixed;inset:0;z-index:200;display:none;align-items:center;justify-content:center;padding:20px;
  background:rgba(6,23,68,.72);backdrop-filter:blur(3px)}
.modal.open{display:flex}
.modal-box{background:#fff;border-radius:var(--radius);width:100%;max-width:640px;max-height:92vh;overflow-y:auto;
  box-shadow:var(--shadow-lg);position:relative}
.modal-close{position:absolute;top:12px;right:12px;width:38px;height:38px;border-radius:50%;border:0;background:#eef2f9;
  color:var(--ink);font-size:1.35rem;line-height:1;cursor:pointer;z-index:5}
.modal-close:hover{background:var(--line)}

.fn-head{background:linear-gradient(120deg,var(--navy),var(--blue-dk));color:#fff;padding:26px 30px}
.fn-head h3{color:#fff;margin:0;font-size:1.32rem}
.fn-head p{margin:.35em 0 0;color:#cfdcff;font-size:.92rem}
.fn-bar{height:6px;background:rgba(255,255,255,.22);border-radius:100px;margin-top:16px;overflow:hidden}
.fn-bar i{display:block;height:100%;background:var(--green);border-radius:100px;width:0;transition:width .3s ease}
.fn-body{padding:30px}
.fn-step{display:none}
.fn-step.active{display:block;animation:fade .22s ease}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.fn-q{font-size:1.22rem;font-weight:700;color:var(--ink);margin:0 0 4px;line-height:1.3}
.fn-help{font-size:.9rem;color:var(--muted);margin:0 0 18px}
.fn-opts{display:grid;gap:10px}
.fn-opts.two{grid-template-columns:1fr 1fr}
.fn-opt{border:2px solid var(--line);border-radius:var(--radius-sm);padding:15px 17px;cursor:pointer;font-weight:600;
  color:var(--ink);background:#fff;text-align:left;font-family:inherit;font-size:.98rem;transition:.14s}
.fn-opt:hover{border-color:var(--blue);background:var(--blue-lt)}
.fn-opt.sel{border-color:var(--blue);background:var(--blue-lt);color:var(--blue)}
.fn-nav{display:flex;gap:12px;margin-top:22px;align-items:center}
.fn-back{background:none;border:0;color:var(--muted);font-weight:600;cursor:pointer;font-family:inherit;font-size:.94rem;padding:8px}
.fn-back:hover{color:var(--blue)}
.fn-secure{display:flex;align-items:center;gap:8px;justify-content:center;color:var(--muted);font-size:.83rem;margin-top:16px}
.fn-secure svg{width:15px;height:15px;color:var(--green)}
.fn-done{text-align:center;padding:14px 0}
.fn-done .tick{width:70px;height:70px;border-radius:50%;background:var(--green);color:#fff;display:flex;align-items:center;
  justify-content:center;margin:0 auto 20px}
.fn-done .tick svg{width:36px;height:36px}
.range-row{display:grid;grid-template-columns:1fr 1fr;gap:12px}

/* calculator */
.calc{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.calc-panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.calc-result{background:var(--navy);color:#cfdcff;border-radius:var(--radius);padding:32px;position:sticky;top:104px}
.calc-result h3{color:#fff}
.calc-big{font-size:3rem;font-weight:800;color:#fff;line-height:1.05;margin:.15em 0 .05em;letter-spacing:-.03em}
.calc-big small{font-size:1rem;font-weight:600;color:#a9bbdf}
.calc-rows{margin-top:24px;border-top:1px solid rgba(255,255,255,.15);padding-top:18px}
.calc-row{display:flex;justify-content:space-between;padding:9px 0;font-size:.95rem;gap:14px}
.calc-row b{color:#fff;font-weight:700}
.calc-row.total{border-top:1px solid rgba(255,255,255,.15);margin-top:8px;padding-top:14px;font-size:1.05rem}
.slider{width:100%;accent-color:var(--blue);margin-top:8px}
.calc-note{font-size:.82rem;color:var(--muted);margin-top:20px}

/* utility */
.mt0{margin-top:0}.mb0{margin-bottom:0}
.pill{display:inline-block;background:var(--blue-lt);color:var(--blue);font-weight:700;font-size:.78rem;
  padding:5px 13px;border-radius:100px;text-transform:uppercase;letter-spacing:.07em}

/* ---------- responsive ---------- */
@media (max-width:1000px){
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);
    flex-direction:column;align-items:stretch;padding:12px;gap:0;box-shadow:var(--shadow-lg);max-height:78vh;overflow-y:auto}
  .nav.open{display:flex}
  .nav a,.nav .navbtn{padding:13px 15px;width:100%;text-align:left}
  .has-sub{position:static}
  .submenu{position:static;box-shadow:none;border:0;border-left:3px solid var(--blue-lt);border-radius:0;
    margin:0 0 6px 15px;padding:0;display:none}
  .submenu.open{display:block}
  .burger{display:block}
  .site-header .wrap{position:relative;min-height:70px}
  .header-phone{display:none}
  .hero .wrap{grid-template-columns:1fr;gap:38px;padding-top:46px;padding-bottom:46px}
  .g4{grid-template-columns:repeat(2,1fr)}
  .profile{grid-template-columns:1fr;gap:32px}
  .profile-card{position:static;max-width:340px;margin:0 auto}
  .contact-grid,.calc{grid-template-columns:1fr;gap:32px}
  .calc-result{position:static}
  .footer-grid{grid-template-columns:1fr 1fr;gap:30px}
}
@media (max-width:680px){
  body{font-size:16px}
  .section{padding:52px 0}
  .g2,.g3,.g4,.steps,.split{grid-template-columns:1fr}
  .split{gap:28px}
  .fn-opts.two,.range-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .topbar .lic{display:none}
  .btn{width:100%}
  .cta-actions .btn{width:auto}
  .modal{padding:0}
  .modal-box{max-height:100vh;border-radius:0;max-width:none}
}
@media print{.site-header,.site-footer,.topbar,.modal,.cta-band{display:none}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

/* ---------- FAQ accordion ---------- */
.faq{border:1px solid var(--line);border-radius:var(--radius-sm);background:#fff;margin-bottom:12px;overflow:hidden}
.faq summary{padding:18px 22px;font-weight:700;color:var(--ink);cursor:pointer;list-style:none;
  display:flex;justify-content:space-between;align-items:center;gap:16px;font-size:1.03rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.5rem;color:var(--blue);font-weight:400;line-height:1;flex-shrink:0}
.faq[open] summary::after{content:"\2212"}
.faq summary:hover{color:var(--blue);background:var(--blue-lt)}
.faq .faq-a{padding:0 22px 20px;color:var(--body)}
.faq .faq-a p:last-child{margin-bottom:0}
.calc-big-sm{font-size:1.85rem;line-height:1.2}
.card[href]{color:inherit}
.card[href]:hover{text-decoration:none}
.fn-consent{display:flex;gap:10px;align-items:flex-start;margin-top:14px;font-size:.83rem;
  color:var(--muted);line-height:1.5;cursor:pointer}
.fn-consent input{width:18px;height:18px;accent-color:var(--blue);flex-shrink:0;margin-top:2px}
.fn-hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* ---------- floating video greeter ---------- */
.vbubble{position:fixed;right:20px;bottom:20px;z-index:120;display:flex;flex-direction:column;
  align-items:flex-end;gap:12px}
.vb-fab{display:flex;align-items:center;gap:10px;background:#fff;border:2px solid var(--line);
  border-radius:100px;padding:6px 18px 6px 6px;cursor:pointer;box-shadow:var(--shadow-lg);
  font-family:inherit;font-weight:700;color:var(--ink);font-size:.95rem;transition:.18s;position:relative}
.vb-fab:hover{border-color:var(--blue);transform:translateY(-2px)}
.vb-fab img{width:52px;height:52px;border-radius:50%;object-fit:cover;object-position:center top}
.vb-dot{position:absolute;top:4px;left:44px;width:13px;height:13px;border-radius:50%;
  background:var(--green);border:2.5px solid #fff}
.vb-open .vb-dot{display:none}
.vb-card{width:330px;max-width:calc(100vw - 40px);background:#fff;border-radius:var(--radius);
  box-shadow:var(--shadow-lg);overflow:hidden;border:1px solid var(--line);position:relative}
.vb-close{position:absolute;top:8px;right:8px;z-index:3;width:32px;height:32px;border-radius:50%;
  border:0;background:rgba(6,23,68,.72);color:#fff;font-size:1.2rem;line-height:1;cursor:pointer}
.vb-close:hover{background:var(--navy)}
.vb-frame{aspect-ratio:16/9;background:#000}
.vb-frame iframe,.vb-frame video{width:100%;height:100%;border:0;display:block;object-fit:cover}
.vb-body{padding:18px}
.vb-body strong{display:block;color:var(--ink);font-size:1.05rem;margin-bottom:.25em}
.vb-body p{font-size:.9rem;color:var(--muted);margin:0 0 14px}
.vb-call{display:block;text-align:center;margin-top:10px;font-size:.88rem;font-weight:600}
@media (max-width:680px){
  .vbubble{right:12px;bottom:12px;left:12px;align-items:stretch}
  .vb-fab{align-self:flex-end}
  .vb-card{width:100%}
}
@media print{.vbubble{display:none}}

/* ---------- co-branded partner pages ---------- */
.pp-hero{background:linear-gradient(135deg,var(--navy) 0%,#0a2a7a 55%,var(--blue) 130%);
  color:#fff;padding:58px 0 62px;text-align:center;position:relative;overflow:hidden}
.pp-hero::after{content:"";position:absolute;inset:0;
  background:radial-gradient(circle at 78% 14%,rgba(0,85,255,.4),transparent 58%);pointer-events:none}
.pp-hero .wrap{position:relative;z-index:2}
.pp-hero h1{color:#fff;max-width:820px;margin:0 auto .35em}
.pp-hero .lede{color:#cfdcff;max-width:660px;margin:0 auto}
.pp-note{color:#a9c0f0;font-size:.86rem;margin-top:16px}

.pp-pair{display:flex;align-items:stretch;justify-content:center;gap:18px;margin-top:38px;flex-wrap:wrap}
.pp-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:var(--radius);
  padding:24px 22px;width:270px;display:flex;flex-direction:column;align-items:center;
  backdrop-filter:blur(3px)}
.pp-card strong{color:#fff;font-size:1.1rem;margin-top:14px}
.pp-role{color:var(--blue-lt);font-size:.85rem;font-weight:700;text-transform:uppercase;letter-spacing:.08em;margin-top:3px}
.pp-brokerage{color:#a9c0f0;font-size:.88rem;margin-top:5px;text-align:center}
.pp-lic{color:#8ea4cf;font-size:.76rem;margin:8px 0 0}
.pp-photo{width:92px;height:92px;border-radius:50%;overflow:hidden;background:rgba(255,255,255,.16);
  display:flex;align-items:center;justify-content:center;flex-shrink:0}
.pp-photo img{width:100%;height:100%;object-fit:cover;object-position:center top}
.pp-initials{font-size:1.9rem;font-weight:800;color:#fff;letter-spacing:.02em}
.pp-contact{display:flex;flex-direction:column;gap:7px;margin-top:14px;width:100%}
.pp-contact a{display:flex;align-items:center;gap:8px;justify-content:center;color:#fff;
  font-size:.87rem;font-weight:600;background:rgba(255,255,255,.1);border-radius:7px;padding:8px 10px}
.pp-contact a:hover{background:var(--blue);text-decoration:none}
.pp-contact svg{width:15px;height:15px;flex-shrink:0}
.pp-plus{display:flex;align-items:center;font-size:1.9rem;color:#7fa8ff;font-weight:300}
@media (max-width:680px){
  .pp-pair{flex-direction:column;align-items:center;gap:12px}
  .pp-card{width:100%;max-width:320px}
  .pp-plus{transform:rotate(0);padding:2px 0}
}

/* The First Key game band (home page) */
.game-band{background:#0c211d;color:#d9dccb;position:relative;overflow:hidden}
.game-band .eyebrow{color:#efd08a}
.game-band h2{color:#f0f0df}
.game-band p{color:#c9d3c6}
.game-split{display:grid;grid-template-columns:1.05fr 1fr;gap:48px;align-items:center}
.game-art{display:block;border-radius:18px;overflow:hidden;box-shadow:0 30px 70px rgba(0,0,0,.5);border:2px solid #efd08a55;transition:transform .2s}
.game-art:hover{transform:translateY(-4px)}
.game-art img{display:block;width:100%;height:auto}
.game-actions{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 10px}
.game-band .btn-ghost{color:#efd08a;border-color:#efd08a}
.game-band .btn-ghost:hover{background:#efd08a;color:#0c211d}
.game-band .formnote{color:#8fa396}
@media(max-width:860px){.game-split{grid-template-columns:1fr}}

/* Clear inquiry choices, visible labels, and equally prominent borrower paths. */
/* The headshot used to float on its own above the headline, which read as a sticker rather than
   a byline. It sits on a line with the name and licence now, so it belongs to something. */
.hero-byline { display:flex; align-items:center; gap:14px; margin:0 0 22px; }
.hero-byline img { width:60px; height:60px; flex:none; border-radius:14px; object-fit:cover;
  object-position:50% 22%; box-shadow:0 0 0 1px #ffffff33, 0 6px 18px -8px #00000080; }
.hero-byline div { display:flex; flex-direction:column; gap:2px; min-width:0; }
.hero-byline strong { font-size:1.05rem; letter-spacing:.01em; color:#fff; line-height:1.2; }
.hero-byline span { font-size:.82rem; line-height:1.35; color:#a9c2ea; }
@media(max-width:600px){ .hero-byline img { width:52px; height:52px; } .hero-byline span { font-size:.78rem; } }
.hero-proof { margin:24px 0 0; padding-top:20px; border-top:1px solid #cad4e4; font-size:1rem; color:#172a4b; }
.hero-proof a { color:#164aa0; }
[hidden] { display:none !important; }
#inquiryForm label { font-size:1rem; }
#inquiryForm .fn-help { font-size:.9rem; line-height:1.6; }
#inquiryError { color:#a52b25; min-height:1.5em; }
#inquiryForm input:focus-visible, #inquiryForm select:focus-visible, button:focus-visible, a:focus-visible { outline:3px solid #e5a328; outline-offset:3px; }
#inquiryForm button:disabled { opacity:.65; cursor:wait; }
@media(max-width:600px) { .hero .cta-actions { flex-direction:column; align-items:stretch; } #inquiryForm .g2 { grid-template-columns:1fr; } }

/* The rate disclosure sits above the numbers, so it is read before them rather than after.
   Deliberately not muted small print: it is the first thing on a calculator page. */
.rate-notice{background:var(--blue-lt);border:1px solid var(--blue);border-left-width:5px;
  border-radius:var(--radius-sm);padding:20px 24px;margin:0 0 28px}
.rate-notice p{margin:0 0 .7em;font-size:.95rem;line-height:1.55}
.rate-notice p:last-child{margin-bottom:0}
.rate-notice-h{font-family:var(--font-head,inherit);font-weight:700;letter-spacing:.04em;
  text-transform:uppercase;font-size:.78rem;color:var(--blue)}
.rate-notice-lic{font-size:.8rem;color:var(--muted)}