@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700;800&family=Manrope:wght@400;500;600;700;800&display=swap');
:root{--navy:#231f20;--dark:#231f20;--teal:#b47816;--aqua:#f6e2bc;--cream:#faf7f2;--coral:#df9826;--ink:#231f20;--muted:#655e58;--line:#e8dfd3;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:115px}body{margin:0;background:#fff;color:var(--ink);font:16px/1.65 'DM Sans',Arial,sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button{font:inherit;cursor:pointer}button:focus-visible,a:focus-visible{outline:3px solid #df9826;outline-offset:3px}.wrap{width:min(1200px,calc(100% - 64px));margin:0 auto}.skip{position:absolute;top:-80px;left:20px;z-index:99;background:#fff;padding:12px}.skip:focus{top:10px}.conceptbar{background:#231f20;color:#fff7e9;font-size:11px;letter-spacing:.055em}.bar-inner{display:flex;justify-content:space-between;align-items:center;gap:20px;min-height:37px}.conceptbar strong{color:#f7c879;font-weight:800}.bar-actions{display:flex;align-items:center;gap:22px;white-space:nowrap}.bar-actions a,.bar-actions button{font-size:11px;color:#fff8ec;background:none;border:0;padding:0}.bar-actions a:hover,.bar-actions button:hover{text-decoration:underline}.siteheader{position:sticky;top:0;z-index:20;background:#fff;box-shadow:0 3px 22px #231f2012}.header-inner{display:flex;justify-content:space-between;align-items:center;gap:26px;height:88px}.brand{display:flex;align-items:center;gap:11px;flex-shrink:0}.brand-mark{display:grid;place-items:center;width:48px;height:48px;border:2px solid var(--teal);border-radius:50%;color:var(--teal)}.brand-mark svg{width:40px;height:40px}.brand-type{line-height:1.1;display:grid;gap:6px}.brand-type strong{font:800 14px/1.1 Manrope,Arial,sans-serif;letter-spacing:.065em}.brand-type small{font:800 9px/1 Manrope,Arial,sans-serif;letter-spacing:.28em;color:var(--teal)}.desktop-nav{display:flex;gap:26px;align-items:center}.desktop-nav a{font-size:13px;font-weight:700;white-space:nowrap}.desktop-nav a:hover{color:var(--teal)}.header-actions{display:flex;align-items:center}.banklogin{background:var(--navy);color:#fff;padding:14px 17px;border-radius:7px;display:flex;align-items:center;gap:9px;font-size:12px;font-weight:800;white-space:nowrap}.banklogin:hover{background:var(--teal)}.banklogin svg{width:16px;height:16px}.mobile-toggle{display:none;border:0;background:none;padding:8px}.mobile-toggle span{display:block;width:24px;height:2px;margin:5px;background:var(--navy)}.mobile-nav{display:grid;padding:12px 32px 20px;background:#fff;border-top:1px solid var(--line)}.mobile-nav[hidden]{display:none}.mobile-nav a{padding:12px;border-bottom:1px solid var(--line);font-weight:700}.hero{background:var(--navy);color:#fff;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;min-height:570px}.hero-copy{padding:92px 35px 70px 0;position:relative;z-index:2}.eyebrow,.kicker{font-weight:800;font-size:11px;letter-spacing:.14em;color:var(--teal)}.eyebrow{color:#f3c879;display:flex;align-items:center;gap:9px}.dot{height:7px;width:7px;background:var(--coral);border-radius:50%}h1,h2,h3,p{margin-top:0}h1,h2{font-family:Manrope,Arial,sans-serif;letter-spacing:-.055em}h1{font-weight:800;font-size:clamp(43px,4.9vw,72px);line-height:1.13;margin:28px 0 24px;max-width:620px}h1 em,h2 em{font-weight:500;font-style:normal;color:var(--coral)}.hero-copy>p{color:#e9d8bf;font-size:17px;line-height:1.85;max-width:450px}.hero-buttons{display:flex;align-items:center;flex-wrap:wrap;gap:13px;margin:30px 0 45px}.btn{border-radius:6px;padding:15px 22px;font-size:13px;font-weight:800;display:inline-flex;align-items:center;gap:24px;justify-content:center;transition:transform .2s,background .2s}.btn:hover{transform:translateY(-2px)}.btn-coral{background:var(--coral);color:#231f20}.btn-coral:hover{background:#eeb04b}.btn-ghost{border:1px solid #c8a76f;color:#fff}.hero-proof{display:flex;align-items:center;gap:12px;font-size:11px;color:#ecdfcb;flex-wrap:wrap}.check-icon{color:#f4ce8a;font-weight:800}.proof-divider{height:15px;width:1px;background:#857260}.hero-visual{position:relative;min-height:570px;background:radial-gradient(circle at 48% 36%,#d5a74f,#a97728 52%,#5c4532 100%);margin-right:calc((min(1200px,100vw - 64px) - 100vw)/2);overflow:hidden}.sun{position:absolute;top:83px;right:15%;height:200px;width:200px;background:#f7d598;border-radius:50%;filter:blur(1px);opacity:.96}.arc{border:1px solid #fff3df55;border-radius:50%;position:absolute}.arc-one{width:580px;height:580px;top:-150px;left:-160px}.arc-two{width:800px;height:800px;top:-270px;left:-250px}.skyline{position:absolute;bottom:0;left:0;width:100%;height:85%;filter:drop-shadow(0 8px 20px #231f2022)}.float-tag{position:absolute;background:#fff;color:#231f20;box-shadow:0 17px 36px #231f2040;border-radius:9px;padding:13px 17px;display:flex;gap:13px;align-items:center;font-size:11px;line-height:1.5}.float-tag strong{font-size:12px}.tag-top{top:100px;left:5%}.tag-bottom{bottom:66px;right:5%}.tag-icon{font-size:29px;color:var(--teal)}.mini-circle{width:38px;height:38px;border-radius:50%;background:var(--aqua);display:grid;place-items:center;font-weight:800}.quick-section{padding:98px 0 105px}.section-heading{max-width:660px;margin-bottom:44px}.centered{text-align:center;margin-left:auto;margin-right:auto}.section-heading h2,.feature-content h2,.save-grid h2,.locations h2,.cta h2{font-size:clamp(32px,3.5vw,49px);line-height:1.18;margin:17px 0}.section-heading h2 em,.feature-content h2 em,.save-grid h2 em,.locations h2 em{color:var(--teal)}.section-heading p,.feature-content p,.save-grid p,.locations p{color:var(--muted);font-size:15px;line-height:1.85}.quick-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.quick-card{min-height:260px;position:relative;border:1px solid var(--line);padding:28px 24px;border-radius:12px;transition:transform .2s,box-shadow .2s,border-color .2s}.quick-card:hover{transform:translateY(-5px);box-shadow:0 15px 36px #231f201b;border-color:#d6a351}.q-icon{font-family:Arial;font-size:31px;color:var(--teal);display:grid;place-items:center;width:54px;height:54px;background:#fbefda;border-radius:14px;margin-bottom:24px}.quick-card h3{font-size:16px;letter-spacing:-.02em;margin:0 0 7px}.quick-card p{font-size:13px;color:var(--muted);line-height:1.65;margin:0 0 20px}.card-arrow{position:absolute;right:24px;bottom:18px;font-size:21px;color:var(--teal)}.feature-section{background:var(--cream);padding:110px 0}.feature-grid{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:11%}.feature-visual{height:440px;border-radius:15px;background:linear-gradient(145deg,#f1ddb6,#d7a75b);position:relative;overflow:hidden}.feature-disk{width:460px;height:460px;background:#fff4dd;border-radius:50%;position:absolute;left:-40px;top:35px}.house-art{position:absolute;left:19%;bottom:44px;width:63%;height:270px}.house-main{height:180px;background:#fffaf0;position:absolute;bottom:0;width:100%;border:7px solid #e9d7bd}.roof{position:absolute;width:77%;height:77%;left:11%;top:-1%;transform:rotate(45deg);border-left:15px solid #443626;border-top:15px solid #443626;background:#f8ecd6}.window{position:absolute;width:53px;height:64px;background:#f1d7ab;top:48px;border:7px solid #fff}.window.a{left:26px}.window.b{right:26px}.door{position:absolute;width:63px;height:113px;background:#b88128;bottom:0;left:calc(50% - 31px);border:6px solid #fff;border-bottom:0}.plant{position:absolute;background:#af852e;border-radius:50%;width:95px;height:86px;right:-45px;bottom:-7px;box-shadow:-43px 5px 0 #936e2c}.badge-float{position:absolute;bottom:29px;left:22px;background:#fff;padding:16px 20px;border-radius:8px;box-shadow:0 10px 35px #231f2025;display:grid;font-size:12px}.badge-float span{color:var(--muted)}.feature-content h2{max-width:450px}.feature-content p{max-width:480px}.feature-points{display:grid;gap:10px;margin:28px 0}.feature-points>div{font-size:14px;font-weight:700}.tick{display:inline-grid;place-items:center;background:#f9e5bf;width:25px;height:25px;border-radius:50%;color:#9a6310;margin-right:10px}.text-link{display:inline-flex;gap:24px;align-items:center;font-size:13px;font-weight:800;color:var(--teal);padding-bottom:5px;border-bottom:1px solid var(--teal)}.save-section{padding:105px 0}.save-grid{display:grid;grid-template-columns:1fr 1fr;gap:13%;align-items:center}.save-grid h2{max-width:470px}.save-grid p{max-width:440px}.btn-navy{background:var(--navy);color:#fff;margin-top:20px}.btn-navy:hover{background:var(--teal)}.save-card{min-height:350px;background:linear-gradient(145deg,#9b661d,#332820);border-radius:15px;padding:32px;color:#fff;position:relative;overflow:hidden}.save-card-top{display:flex;justify-content:space-between;align-items:center;font-size:10px;letter-spacing:.1em;font-weight:800;color:#f3dbaa}.spark{font-size:32px}.save-growth{height:175px;display:flex;align-items:end;gap:15px;padding:17px 10px 0;position:relative}.growth-bar{flex:1;background:#ffffff26;border-radius:6px 6px 0 0}.b1{height:32%}.b2{height:47%}.b3{height:43%}.b4{height:66%}.b5{height:90%}.save-growth svg{position:absolute;inset:0;width:100%;height:100%}.save-card>strong{display:block;font:800 21px Manrope;margin-top:24px}.save-card>p{color:#f6e3c0;font-size:11px;margin:5px 0 0}.difference{background:#fbf6ed;padding:100px 0}.diff-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:25px}.diff-grid article{text-align:center;padding:20px 30px}.diff-icon{font-size:39px;color:var(--teal);display:block;margin-bottom:13px}.diff-grid h3{font-size:17px;margin-bottom:8px}.diff-grid p{font-size:13px;color:var(--muted);line-height:1.8}.locations{padding:108px 0}.locations-grid{display:grid;grid-template-columns:1fr 1fr;gap:13%;align-items:center}.branch-list{border-top:1px solid var(--line)}.branch{display:flex;align-items:center;gap:17px;padding:22px 0;border-bottom:1px solid var(--line)}.branch:hover .out-arrow{transform:translate(3px,-3px)}.location-ico{font-size:25px;color:var(--teal);width:38px;text-align:center}.branch>span:nth-child(2){display:grid;gap:3px;flex:1}.branch strong{font-size:14px}.branch small{font-size:12px;color:var(--muted)}.out-arrow{color:var(--teal);transition:transform .2s}.cta{background:#231f20;padding:73px 0;color:#fff}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:30px}.cta h2{margin:12px 0 8px}.cta h2 em{color:var(--coral)}.cta p{margin:0;color:#eee0cf;font-size:14px}.cta .kicker{color:#f3ca79}.footer{background:#231f20;color:#fffaf0}.footer-top{padding:65px 0;display:grid;grid-template-columns:1fr 1.5fr;gap:10%}.footer-brand{display:grid;align-content:start;gap:7px}.footer-brand strong{font-size:15px;letter-spacing:.08em}.footer-brand span{font-size:10px;letter-spacing:.13em;color:#f0c479}.footer-brand p{font-size:12px;color:#d2c5b4;margin-top:12px;max-width:280px}.footer-links{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.footer-links>div{display:flex;flex-direction:column;gap:10px}.footer-links strong{font-size:12px;margin-bottom:5px}.footer-links a,.footer-note{font-size:12px;color:#ded0bd}.footer-links a:hover,.footer-note:hover{color:#fff;text-decoration:underline}.footer-note{background:none;border:0;text-align:left;padding:0}.footer-bottom{border-top:1px solid #ffffff25;padding:20px 0 26px;display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap;font-size:10px;color:#cdbfaf}.notes-dialog{border:0;box-shadow:0 25px 90px #231f2070;border-radius:16px;max-width:580px;width:calc(100% - 32px);padding:34px;color:var(--ink)}.notes-dialog::backdrop{background:#231f20ab}.dialog-top{display:flex;align-items:center;justify-content:space-between}.dialog-top button{font-size:30px;border:0;background:none;line-height:1}.notes-dialog h2{font-size:30px;line-height:1.2;letter-spacing:-.05em;margin:18px 0}.notes-dialog p,.notes-dialog li{font-size:13px;line-height:1.75}.notes-dialog ul{padding-left:20px}.dialog-disclaimer{background:#fbf1df;padding:15px;border-left:3px solid var(--teal)}
@media(max-width:1100px){.desktop-nav{gap:15px}.desktop-nav a{font-size:12px}.brand-type strong{font-size:12px}.header-inner{gap:12px}.hero-copy{padding-top:80px}.quick-card{padding:23px 18px}.feature-grid,.save-grid,.locations-grid{gap:7%}}
@media(max-width:900px){.desktop-nav{display:none}.mobile-toggle{display:block}.header-inner{height:75px}.hero-grid{grid-template-columns:1fr 1fr}.hero-copy{padding:66px 12px 55px 0}.hero-visual{min-height:520px}.hero-grid{min-height:520px}.hero-proof{gap:8px}.proof-divider{display:none}.quick-grid{grid-template-columns:repeat(2,1fr)}.feature-grid,.save-grid,.locations-grid{gap:7%}.feature-visual{height:365px}.feature-disk{height:360px;width:360px}.house-art{height:230px}.footer-top{grid-template-columns:1fr;gap:30px}}
@media(max-width:650px){.wrap{width:min(100% - 36px,1200px)}.bar-inner{padding:9px 0;align-items:flex-start}.bar-hide{display:none}.bar-actions{gap:10px}.bar-actions a,.bar-actions button{font-size:10px}.conceptbar strong{font-size:10px}.brand-mark{width:40px;height:40px}.brand-mark svg{width:32px;height:32px}.brand-type strong{font-size:11px}.brand-type small{font-size:8px}.banklogin{font-size:0;padding:11px}.banklogin svg{width:19px;height:19px}.banklogin span{font-size:13px}.hero-grid{grid-template-columns:1fr}.hero-copy{padding:67px 0 44px}.hero-copy h1{font-size:clamp(40px,11vw,58px);margin:21px 0}.hero-copy>p{font-size:15px}.hero-buttons{margin:26px 0 30px}.hero-visual{height:340px;min-height:340px;margin:0 -18px}.skyline{height:100%}.sun{height:130px;width:130px;top:29px}.tag-top{top:25px;left:5%}.tag-bottom{bottom:25px}.hero-proof{font-size:10px}.quick-section,.feature-section,.save-section,.difference,.locations{padding:72px 0}.section-heading{margin-bottom:32px}.section-heading h2,.feature-content h2,.save-grid h2,.locations h2,.cta h2{font-size:35px}.quick-grid{gap:12px}.quick-card{min-height:245px;padding:19px 16px}.quick-card h3{font-size:14px}.quick-card p{font-size:12px}.q-icon{margin-bottom:16px}.feature-grid,.save-grid,.locations-grid{grid-template-columns:1fr;gap:45px}.feature-visual{height:345px;order:2}.feature-content{order:1}.house-art{height:230px}.save-card{min-height:320px}.diff-grid{grid-template-columns:1fr;gap:5px}.diff-grid article{padding:16px}.cta-inner{align-items:flex-start;flex-direction:column}.cta h2{font-size:34px}.footer-links{grid-template-columns:repeat(2,1fr);row-gap:25px}.footer-top{padding:50px 0}.footer-bottom{flex-direction:column}.notes-dialog{padding:22px}.notes-dialog h2{font-size:25px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

/* GHCU brand refresh: authentic source logo, gold #DF9826, charcoal #231F20 */
.brand{min-width:0;display:flex;align-items:center;flex-shrink:1}
.brand-logo{display:block;width:clamp(180px,19vw,254px);height:auto;max-height:70px;object-fit:contain;object-position:left center}
.header-inner{gap:19px}.desktop-nav{gap:20px}.desktop-nav a{font-size:12px}
.banklogin{background:#231f20}.banklogin:hover{background:#755016}
.eyebrow,.cta .kicker{color:#f7c879}
h1 em,.cta h2 em{color:#f5bd5a}
.btn-gold{background:#df9826;color:#231f20}.btn-gold:hover{background:#efb54f}
.btn-charcoal{background:#231f20;color:#fff;margin-top:20px}.btn-charcoal:hover{background:#654b2a}
.btn-ghost{border-color:#c9bba9}
.hero-visual{background:radial-gradient(circle at 48% 36%,#e8bd72,#bd852b 55%,#684a2d 100%)}
.hero-proof .check-icon{color:#f7ca7d}
.q-icon{background:#fcf0d9}
.feature-visual{background:linear-gradient(145deg,#f9e5bd,#d9a85a)}
.save-card{background:linear-gradient(145deg,#a77729,#231f20)}
.save-card-top{color:#fff0d6}
.footer-logo{display:block;width:min(245px,100%);height:auto;background:#fff;border-radius:5px;padding:9px;margin-bottom:12px}
.footer-brand span{font-weight:700;letter-spacing:.08em}
@media(max-width:1100px){.brand-logo{width:205px}.header-inner{gap:11px}.desktop-nav{gap:13px}.desktop-nav a{font-size:11px}}
@media(max-width:900px){.brand-logo{width:225px}.header-inner{gap:15px}}
@media(max-width:650px){.brand-logo{width:183px;max-height:56px}.header-inner{gap:8px}.banklogin{padding:10px}.footer-logo{width:225px}}
@media(max-width:390px){.brand-logo{width:155px}.bar-actions{gap:7px}}


/* === GHCU Concept v1.1: targeted visual and usability improvements === */
html{scroll-padding-top:138px}
.utility-strip{background:#f8f4ee;border-bottom:1px solid #eee4d7;font-size:12px;color:#534a41}
.utility-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:34px}
.utility-inner>span{font-weight:600}
.utility-inner nav{display:flex;gap:23px}
.utility-inner a{font-weight:700}.utility-inner a:hover{text-decoration:underline;color:#9a6310}
.header-inner{height:84px;gap:20px}
.desktop-nav{gap:21px}.desktop-nav a{font-size:14px;line-height:1.2}
.banklogin{font-size:13px;padding:14px 18px;min-height:46px}
.mobile-nav a{font-size:15px;min-height:46px;display:flex;align-items:center}
.quick-section{padding:72px 0 76px}.quick-section .section-heading{margin-bottom:32px}
.quick-card{min-height:226px;padding:22px}.q-icon{margin-bottom:17px}
.trust-strip{background:#fffaf2;border-top:1px solid #efe6d8;border-bottom:1px solid #efe6d8}
.trust-inner{display:grid;grid-template-columns:1fr 1fr 1.45fr;gap:26px;padding:23px 0;align-items:center}
.trust-piece{display:flex;align-items:center;gap:12px;min-width:0}
.trust-icon{background:#f4e3c8;color:#956014;width:39px;height:39px;flex:0 0 39px;border-radius:50%;display:grid;place-items:center;font-size:21px}
.trust-piece>span:last-child{display:flex;flex-direction:column;line-height:1.45}
.trust-piece strong{font-size:12px}.trust-piece small{font-size:11px;color:#6d6255}
.trust-piece small a{text-decoration:underline;text-underline-offset:2px;color:#6b470e}
.feature-section{padding:78px 0}.feature-visual{height:415px;background:linear-gradient(135deg,#e6c89b,#d5a65a)}
.mortgage-photo{width:100%;height:100%;object-fit:cover;object-position:center;display:block}
.photo-tint{position:absolute;inset:0;background:linear-gradient(to top,#241e19aa 0%,transparent 40%);pointer-events:none}
.feature-visual .badge-float{z-index:2;bottom:22px;left:22px}
.feature-points{margin:21px 0}
.save-section{padding:82px 0}.save-grid{gap:9%}
.savings-panel{border-radius:15px;background:#faf6ee;border:1px solid #ebdeca;overflow:hidden;box-shadow:0 18px 44px #231f200c}
.savings-panel-head{padding:28px 30px 17px;background:linear-gradient(125deg,#f4e3c5,#fffaf2)}
.savings-panel-head h3{font:800 24px/1.23 Manrope,Arial,sans-serif;letter-spacing:-.04em;margin:9px 0}
.savings-panel-head h3 em{color:#b47816;font-weight:500;font-style:normal}
.savings-panel-head p{font-size:12px;line-height:1.5;margin:0}
.savings-options{padding:10px 18px}
.savings-options>a{display:flex;align-items:center;gap:13px;border-bottom:1px solid #e8dfd3;padding:12px 8px;transition:background .2s}
.savings-options>a:last-child{border:0}
.savings-options>a:hover{background:#fff;border-radius:7px}
.savings-icon{display:grid;place-items:center;flex:0 0 37px;height:37px;border-radius:9px;background:#f5e4c4;font-size:20px;color:#996818}
.savings-options>a>span:nth-child(2){display:flex;flex:1;flex-direction:column;min-width:0;line-height:1.45}
.savings-options strong{font-size:13px}.savings-options small{font-size:11px;color:#655e58}
.savings-arrow{color:#b47816;font-size:18px}
.product-note{font-size:10px!important;line-height:1.5!important;margin:0!important;padding:0 26px 18px;color:#655e58}
.difference{padding:72px 0}.difference .section-heading{margin-bottom:24px}
.diff-grid article{padding:12px 24px}.diff-icon{margin-bottom:7px}
.locations{padding:82px 0}.branch{padding:17px 0}
@media(max-width:1200px){.desktop-nav{gap:14px}.desktop-nav a{font-size:12px}.brand-logo{width:205px}.header-inner{gap:10px}.banklogin{font-size:12px;padding:12px}.utility-inner{font-size:11px}}
@media(max-width:980px){.desktop-nav{display:none}.mobile-toggle{display:block}.header-inner{height:76px}.brand-logo{width:225px}.trust-inner{grid-template-columns:1fr 1fr;gap:18px}.trust-piece:last-child{grid-column:1/-1}}
@media(max-width:650px){html{scroll-padding-top:88px}.utility-strip{display:none}.header-inner{height:72px}.brand-logo{width:178px}.banklogin{min-height:42px;padding:11px;font-size:0}.banklogin span{font-size:13px}.quick-section,.feature-section,.save-section,.difference,.locations{padding:60px 0}.quick-card{min-height:214px}.trust-inner{grid-template-columns:1fr;gap:15px;padding:18px 0}.trust-piece:last-child{grid-column:auto}.feature-visual{height:320px}.feature-grid{gap:28px}.save-grid{gap:27px}.savings-panel-head{padding:23px}.savings-options{padding:5px 12px}.diff-grid article{padding:10px 18px}.locations-grid{gap:28px}}
@media(max-width:380px){.brand-logo{width:154px}}

/* v1.2 — self-contained photographic experience */
.hero-visual{background:#b99363}
.hero-photo{position:absolute;inset:0;display:block;width:100%;height:100%;object-fit:cover;object-position:60% center}
.hero-visual::after{content:"";position:absolute;inset:0;pointer-events:none;background:linear-gradient(90deg,rgba(35,31,32,.23) 0%,transparent 38%),linear-gradient(0deg,rgba(35,31,32,.25),transparent 40%)}
.hero-visual .float-tag{z-index:3}
.feature-visual .mortgage-photo{object-position:68% center}
@media(max-width:650px){.hero-photo{object-position:67% center}}


/* v1.3 — polish refinements for readability, cropping, contrast, spacing, and CTA emphasis */
.header-actions{gap:12px}
.member-cta{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:46px;padding:14px 18px;border-radius:8px;background:#df9826;color:#231f20;font-size:13px;font-weight:800;white-space:nowrap;box-shadow:0 8px 18px rgba(223,152,38,.18);transition:transform .2s,background .2s,box-shadow .2s}
.member-cta:hover{transform:translateY(-1px);background:#efb54f;box-shadow:0 10px 22px rgba(223,152,38,.24)}
.member-cta span{font-size:14px}
.utility-strip{font-size:13px}
.hero-proof{font-size:12px}
.float-tag{font-size:12px}
.float-tag strong{font-size:13px}
.quick-card h3{font-size:17px}
.quick-card p{font-size:14px;line-height:1.72;color:#5f5852}
.trust-piece strong{font-size:13px}
.trust-piece small{font-size:12px;line-height:1.55}
.feature-content p,.save-grid p,.locations p,.section-heading p{font-size:16px;line-height:1.8}
.feature-points>div{font-size:15px}
.text-link{font-size:14px}
.savings-panel{background:#fff;border:1px solid #dfd0b9;box-shadow:0 18px 44px rgba(35,31,32,.08)}
.savings-panel-head{background:#fff;border-bottom:1px solid #eee2cf;padding:30px 30px 18px}
.savings-panel-head h3{font-size:28px;color:#231f20}
.savings-panel-head p{font-size:13px;color:#554d47}
.savings-options{padding:8px 18px 4px}
.savings-options>a{padding:14px 10px}
.savings-options>a:hover{background:#faf6ef}
.savings-icon{background:#fff4df;border:1px solid #ead6b3}
.savings-options strong{font-size:14px;color:#231f20}
.savings-options small{font-size:12px;color:#5c544d}
.savings-arrow{font-size:19px}
.product-note{font-size:11px!important;color:#5c544d!important;padding:0 26px 20px}
.diff-grid article{padding:10px 24px}
.diff-grid h3{font-size:18px}
.diff-grid p{font-size:14px;line-height:1.75}
.branch strong{font-size:15px}
.branch small{font-size:13px;line-height:1.55}
.footer-top{padding:50px 0 44px;gap:8%}
.footer-brand p{font-size:13px;line-height:1.75;max-width:310px}
.footer-links strong{font-size:13px}
.footer-links a,.footer-note{font-size:13px;line-height:1.6}
.footer-bottom{padding:16px 0 20px;font-size:11px}
.difference{padding:60px 0 56px}
.difference .section-heading{margin-bottom:18px}
.locations{padding:70px 0 68px}
.branch{padding:15px 0}
.hero-photo{object-position:72% center}
.feature-visual .mortgage-photo{object-position:58% center}
@media(max-width:1200px){.member-cta{padding:12px 14px;font-size:12px}.header-actions{gap:10px}}
@media(max-width:980px){.member-cta{display:none}}
@media(max-width:650px){.quick-card p{font-size:13px}.feature-content p,.save-grid p,.locations p,.section-heading p{font-size:15px}.hero-photo{object-position:68% center}.feature-visual .mortgage-photo{object-position:54% center}.difference{padding:54px 0 48px}.locations{padding:58px 0 56px}.footer-top{padding:44px 0 36px}.footer-links a,.footer-note,.footer-brand p{font-size:12px}.footer-bottom{font-size:10px}}

/* v1.2: enforce identical desktop hero geometry across homepage/interior pages.
   Previously min-height allowed the homepage's taller copy to increase its height. */
@media (min-width: 981px) {
  .hero-grid { height: 600px; min-height: 0; }
  .hero-visual { height: 600px; min-height: 0; }
  .hero-copy { height: 600px; padding-top: 35px; padding-bottom: 35px; display: flex; flex-direction: column; justify-content: center; }
  .hero-copy .hero-buttons { margin-bottom: 28px; }
}
@media (min-width: 801px) and (max-width: 980px) {
  .hero-grid { height: 620px; min-height: 0; }
  .hero-visual { height: 620px; min-height: 0; }
  .hero-copy { height: 620px; padding-top: 35px; padding-bottom: 35px; display: flex; flex-direction: column; justify-content: center; }
  .hero-copy .hero-buttons { margin-bottom: 25px; }
}