@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{--wrap:1200px;--ink:#153942;--navy:#005b73;--deep:#00495d;--teal:#007895;--sky:#88a9b8;--mint:#eef6f5;--cream:#f7faf9;--line:#d7e4e6;--muted:#4d6670;--white:#fff;--accent:#2b8ca4;--soft:#c9d7df}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:130px}body{margin:0;color:var(--ink);font:16px/1.65 'DM Sans',Arial,sans-serif;background:#fff;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button{font:inherit;cursor:pointer}.skip{position:absolute;left:1rem;top:-6rem;padding:12px;background:white;z-index:100}.skip:focus{top:1rem}a:focus-visible,button:focus-visible{outline:3px solid #efae3d;outline-offset:3px}.wrap{width:min(var(--wrap),calc(100% - 64px));margin:auto}.conceptbar{background:#042c3b;color:#f4fcfc;font-size:11px;letter-spacing:.045em}.bar-inner{display:flex;justify-content:space-between;align-items:center;gap:18px;min-height:36px}.conceptbar strong{color:#a6d6c6}.bar-links{display:flex;gap:20px}.bar-links a,.bar-links button{border:0;background:none;padding:0;font-size:11px;color:#fff}.bar-links a:hover,.bar-links button:hover{text-decoration:underline}.utility{background:#edf6f5;border-bottom:1px solid #d5e3e2;color:#395c62;font-size:12px}.utility-inner{min-height:34px;display:flex;justify-content:space-between;align-items:center}.utility-links{display:flex;gap:22px}.utility-links a{font-weight:700}.siteheader{position:sticky;top:0;z-index:30;background:white;box-shadow:0 3px 20px #032f3d12}.header-inner{height:88px;display:flex;align-items:center;gap:20px;justify-content:space-between}.brand{display:flex;align-items:center;gap:11px;flex-shrink:0}.brand-icon{height:47px;width:47px;border-radius:50%;background:#e5f4f1;display:grid;place-items:center;color:var(--blue);font-family:Georgia,serif;font-size:35px;line-height:1;box-shadow:inset 0 0 0 2px #9ecac1}.brand-title{font:800 31px/1 'Manrope',sans-serif;letter-spacing:-.08em;color:#055773}.brand-title small{display:block;font:700 9px/1.3 'DM Sans',sans-serif;letter-spacing:.015em;color:#385f62;margin-top:6px}.desktop-nav{display:flex;align-items:center;gap:20px}.desktop-nav a{font-size:13px;font-weight:800;white-space:nowrap}.desktop-nav a:hover{color:var(--teal)}.header-actions{display:flex;gap:9px;align-items:center}.btn{display:inline-flex;align-items:center;justify-content:center;gap:13px;border:0;border-radius:7px;padding:14px 20px;font-weight:800;font-size:13px;white-space:nowrap;transition:transform .2s,background .2s}.btn:hover{transform:translateY(-2px)}.btn-primary{background:#a0ca69;color:#073b4a}.btn-primary:hover{background:#b8db88}.btn-outline{background:transparent;color:white;border:1px solid #a8d1cf}.btn-login{background:#083e52;color:white}.btn-login:hover{background:#11647b}.btn-light{background:#fff;color:#07516a}.mobile-toggle{display:none;border:0;background:transparent;padding:10px}.mobile-toggle span{width:25px;height:2px;background:var(--dark);display:block;margin:5px}.mobile-nav{padding:10px 24px 20px;border-top:1px solid var(--line);background:white;display:grid}.mobile-nav[hidden]{display:none}.mobile-nav a{padding:12px;border-bottom:1px solid var(--line);font-size:15px;font-weight:700}.kicker{display:block;color:#0b8291;font-size:11px;font-weight:800;letter-spacing:.14em}.hero{background:var(--dark);color:white;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.02fr .98fr;height:600px}.hero-copy{padding:72px 36px 62px 0;display:flex;flex-direction:column;justify-content:center}.hero-copy .kicker{color:#a4d7ca}.hero h1{max-width:620px;font:800 clamp(42px,4.5vw,65px)/1.12 'Manrope',sans-serif;letter-spacing:-.06em;margin:25px 0 21px}.hero h1 em{font-style:normal;font-weight:500;color:#a6d775}.hero p{max-width:500px;color:#dce9e8;font-size:17px;line-height:1.8;margin:0}.hero-buttons{display:flex;flex-wrap:wrap;gap:12px;margin-top:29px}.proof{display:flex;flex-wrap:wrap;gap:13px;align-items:center;margin-top:39px;color:#e4f0eb;font-size:12px}.proof span:before{content:'✓';color:#aedb82;font-weight:800;margin-right:7px}.photo-side{margin-right:calc((min(var(--wrap),100vw - 64px) - 100vw)/2);min-width:0;position:relative;background:#a4c9bc;overflow:hidden}.photo-side>img{display:block;width:100%;height:100%;object-fit:cover;object-position:58% center}.photo-side:after{content:'';position:absolute;inset:0;pointer-events:none;background:linear-gradient(90deg,#04334539,transparent 45%)}.float-label{position:absolute;z-index:2;background:white;color:#153f47;padding:12px 17px;border-radius:10px;box-shadow:0 12px 25px #002d3c33;display:flex;align-items:center;gap:12px;font-size:12px;line-height:1.45}.float-label strong{display:block;font-size:13px}.float-label .symbol{font-size:25px;color:var(--teal)}.float-top{top:65px;left:5%}.float-bottom{bottom:45px;right:6%}.section{padding:82px 0}.section.soft{background:var(--cream)}.section.tint{background:#edf5f0}.section-heading{max-width:700px;margin:0 auto 34px;text-align:center}.section-heading h2,.feature h2,.saving h2,.locations h2,.cta h2{font:800 clamp(33px,3.3vw,47px)/1.19 'Manrope',sans-serif;letter-spacing:-.055em;margin:13px 0 15px}.section-heading h2 em,.feature h2 em,.saving h2 em,.locations h2 em,.cta h2 em{color:var(--teal);font-style:normal;font-weight:500}.section-heading p,.feature p,.saving p,.locations p{font-size:15px;line-height:1.85;color:var(--muted)}.quick-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}.quick-card{border:1px solid var(--line);border-radius:13px;background:white;padding:24px;min-height:210px;position:relative;transition:transform .2s,box-shadow .2s}.quick-card:hover{transform:translateY(-4px);box-shadow:0 13px 30px #003a4b12}.q-icon{width:48px;height:48px;border-radius:13px;background:#eaf6f2;color:var(--teal);display:grid;place-items:center;font-size:23px;margin-bottom:20px}.quick-card h3{font-size:17px;margin:0 0 8px}.quick-card p{font-size:13px;color:var(--muted);line-height:1.65;margin:0}.quick-card .arrow{position:absolute;right:20px;bottom:16px;color:var(--teal);font-size:19px}.trust{background:#f0f8f3;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.trust-inner{padding:21px 0;display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.trust-item{display:flex;align-items:center;gap:12px;font-size:13px;line-height:1.5}.trust-icon{border-radius:50%;flex:0 0 39px;height:39px;background:#d8eee4;color:#0c6f73;display:grid;place-items:center;font-size:20px}.trust-item strong,.trust-item small{display:block}.trust-item small{font-size:11px;color:#53666b}.trust-item small a{text-decoration:underline}.two-col{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:10%}.feature-photo{border-radius:14px;min-height:408px;overflow:hidden;position:relative;background:#cdd7d0}.feature-photo img{width:100%;height:408px;object-fit:cover;object-position:54% center;display:block}.photo-note{position:absolute;left:20px;bottom:20px;padding:11px 15px;background:white;box-shadow:0 10px 30px #002d3c33;border-radius:8px;font-size:12px;color:#214750}.feature h2{max-width:460px}.feature p{max-width:480px}.checklist{margin:19px 0 27px;display:grid;gap:11px;font-size:15px;font-weight:700}.checklist div:before{content:'✓';display:inline-grid;place-items:center;background:#dff1e4;color:#087e78;width:25px;height:25px;border-radius:50%;margin-right:10px}.text-link{font-size:14px;font-weight:800;border-bottom:1px solid var(--teal);padding-bottom:6px;color:var(--teal);display:inline-flex;gap:24px}.saving .two-col{gap:11%}.saving h2{max-width:460px}.saving p{max-width:480px}.saving .btn{margin-top:10px}.savings-panel{border:1px solid #cfe1de;border-radius:14px;background:white;overflow:hidden;box-shadow:0 14px 32px #003a4b12}.savings-head{padding:26px 28px 18px;background:#f1f8f4;border-bottom:1px solid var(--line)}.savings-head h3{font:800 24px/1.25 'Manrope',sans-serif;margin:8px 0;letter-spacing:-.035em}.savings-head p{font-size:13px;margin:0}.savings-links{padding:6px 18px}.savings-links a{display:flex;align-items:center;gap:12px;padding:15px 10px;border-bottom:1px solid var(--line)}.savings-links a:last-child{border:0}.savings-links a:hover{background:#f4faf7}.savings-links a .s-icon{width:35px;height:35px;background:#e6f4ef;border-radius:10px;display:grid;place-items:center;color:var(--teal);font-size:20px;flex-shrink:0}.savings-links a .s-label{display:grid;line-height:1.5;flex:1}.savings-links strong{font-size:14px}.savings-links small{font-size:12px;color:var(--muted)}.savings-links .arrow{color:var(--teal)}.rates-note{padding:0 28px 20px;font-size:11px;color:var(--muted)}.diff-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;margin-top:24px}.diff-grid article{text-align:center;padding:16px 20px}.diff-icon{font-size:33px;color:var(--teal)}.diff-grid h3{font-size:18px;margin:10px 0}.diff-grid p{font-size:14px;line-height:1.75;color:var(--muted)}.branch-list{border-top:1px solid var(--line)}.branch{display:flex;align-items:center;gap:15px;padding:16px 0;border-bottom:1px solid var(--line)}.branch strong,.branch small{display:block}.branch strong{font-size:15px}.branch small{font-size:12px;color:var(--muted)}.branch .pin{font-size:22px;color:var(--teal)}.branch .arrow{margin-left:auto;color:var(--teal)}.cta{background:#073b4a;color:white;padding:58px 0}.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:25px}.cta h2{margin:12px 0 8px}.cta h2 em{color:#a7d976}.cta p{margin:0;color:#d7e9e6}.footer{background:#042e3c;color:#ecf7f4}.footer-top{display:grid;grid-template-columns:1fr 1.7fr;gap:9%;padding:50px 0 43px}.footer-brand p{max-width:360px;color:#bdd5d4;font-size:13px;margin-top:15px}.footer-brand .brand-title{color:white}.footer-brand .brand-title small{color:#a1cbc8}.footer-brand .brand-icon{background:#e3f4f0}.footer-tag{display:block;color:#b2dccb;font-weight:800;font-size:10px;letter-spacing:.13em;margin-top:19px}.footer-links{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.footer-links>div{display:flex;flex-direction:column;gap:9px}.footer-links strong{font-size:13px;margin-bottom:5px}.footer-links a,.footer-links button{font-size:13px;color:#cbe1e0;background:none;border:none;text-align:left;padding:0}.footer-links a:hover,.footer-links button:hover{text-decoration:underline}.footer-bottom{border-top:1px solid #ffffff24;padding:16px 0 21px;display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap;color:#a9c6c5;font-size:11px}.modal{border:0;border-radius:15px;padding:30px;width:min(560px,calc(100% - 30px));box-shadow:0 30px 80px #00202e60}.modal::backdrop{background:#002634aa}.modal h2{font:800 27px/1.2 Manrope,sans-serif;margin:18px 0}.modal p,.modal li{font-size:14px;line-height:1.75}.modal .close{float:right;font-size:25px;border:0;background:none}.page-hero{background:#073b4a;color:white}.page-hero .hero-grid{height:600px}.page-hero .hero-copy{padding-top:70px}.page-hero h1{font-size:clamp(39px,4.2vw,60px)}.page-hero .photo-side>img{object-position:65% center}.breadcrumb{font-size:12px;color:#bbe3df;margin-bottom:27px}.price-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:30px}.price-card{background:#fff;border:1px solid var(--line);border-radius:13px;padding:25px}.price-card h3{margin:0 0 10px}.price-card p{color:var(--muted);font-size:14px}.price-card ul{padding-left:20px}.price-card li{margin-bottom:8px}.disclaimer{padding:15px 20px;background:#f0f8f3;border-left:3px solid var(--teal);font-size:13px;color:var(--muted)}
@media(max-width:1180px){.desktop-nav{gap:12px}.desktop-nav a{font-size:12px}.header-inner{gap:11px}.brand-title{font-size:26px}.brand-icon{width:41px;height:41px}.header-actions .btn{padding:12px 14px;font-size:12px}}
@media(max-width:990px){.desktop-nav{display:none}.mobile-toggle{display:block}.header-inner{height:75px}.hero-grid,.page-hero .hero-grid{height:auto;min-height:540px}.hero-copy{padding:65px 25px 65px 0}.hero h1{font-size:clamp(39px,5vw,60px)}.hero .photo-side{min-height:540px}.two-col{gap:6%}.footer-top{grid-template-columns:1fr;gap:30px}.header-actions .btn-primary{display:none}}
@media(max-width:680px){.wrap{width:calc(100% - 36px)}.conceptbar{font-size:10px}.bar-inner{padding:8px 0;align-items:flex-start}.bar-links{gap:9px}.bar-links a,.bar-links button{font-size:10px}.utility{display:none}.header-inner{height:70px}.brand-icon{height:37px;width:37px;font-size:28px}.brand-title{font-size:24px}.brand-title small{font-size:8px}.header-actions .btn-login{font-size:0;padding:11px;min-width:44px;min-height:44px}.header-actions .btn-login::before{content:'🔒';font-size:16px}.mobile-toggle{padding:8px}.hero-grid,.page-hero .hero-grid{display:flex;flex-direction:column;height:auto;min-height:0}.hero-copy{padding:58px 0 45px}.hero h1{font-size:clamp(40px,10vw,55px)}.hero p{font-size:15px}.proof{margin-top:29px}.photo-side,.hero .photo-side{height:350px;min-height:350px;margin:0 -18px}.photo-side>img{object-position:61% center}.float-top{top:20px}.float-bottom{bottom:18px}.section{padding:60px 0}.quick-grid{grid-template-columns:repeat(2,1fr);gap:12px}.quick-card{min-height:205px;padding:18px 14px}.quick-card h3{font-size:15px}.quick-card p{font-size:12px}.q-icon{margin-bottom:14px}.trust-inner{grid-template-columns:1fr;gap:16px}.two-col{grid-template-columns:1fr;gap:30px}.feature-photo,.feature-photo img{min-height:310px;height:310px}.feature .feature-photo{order:2}.feature .feature-copy{order:1}.section-heading h2,.feature h2,.saving h2,.locations h2{font-size:35px}.diff-grid{grid-template-columns:1fr;gap:4px}.diff-grid article{padding:10px}.cta-inner{align-items:flex-start;flex-direction:column}.footer-top{padding:40px 0}.footer-links{grid-template-columns:repeat(2,1fr);row-gap:22px}.footer-bottom{flex-direction:column}.price-grid{grid-template-columns:1fr}}
@media(max-width:390px){.brand-title{font-size:21px}.brand-icon{width:32px;height:32px}.bar-inner{flex-wrap:wrap}}
@media(prefers-reduced-motion:reduce){*,*:before,*:after{scroll-behavior:auto!important;transition:none!important}}


/* KCCU branded logo + refined palette */
body{color:var(--ink)}
.conceptbar{background:var(--deep);color:#eef8fb}.conceptbar strong{color:#b8d1db}
.utility{background:#eef5f7;border-bottom:1px solid var(--line)}
.siteheader{box-shadow:0 4px 18px rgba(0,73,93,.08)}
.brand{display:flex;align-items:center;min-width:0}.brand-image{padding:2px 0}.brand-logo{display:block;width:clamp(210px,22vw,330px);height:auto;max-height:76px;object-fit:contain}
.header-inner{gap:20px}.desktop-nav a:hover,.utility-links a:hover,.bar-links a:hover,.bar-links button:hover{color:var(--teal)}
.btn-primary{background:var(--teal);border-color:var(--teal)}.btn-primary:hover{background:#04667d}.btn-login{background:var(--deep)}.btn-login:hover{background:var(--teal)}
.kicker,.hero h1 em,.section-heading h2 em,.feature h2 em,.saving h2 em,.locations h2 em,.cta h2 em,.float-label .symbol,.trust-icon,.diff-icon,.branch .pin,.branch .arrow,.text-link,.savings-links .arrow,.savings-links a .s-icon,.q-icon{color:var(--teal)}
.hero{background:var(--deep)}
.photo-side{background:#b9d0d8}.photo-side:after{background:linear-gradient(90deg,rgba(0,73,93,.22),transparent 45%)}
.q-icon,.trust-icon,.savings-links a .s-icon,.btn-outline:hover{background:#e7f0f3}
.section.tint{background:#f1f7f8}.trust{background:#f4f9fa}.section.soft,.savings-head{background:#f6faf9}
.cta{background:var(--deep)}.cta .kicker{color:#b9d1da}.cta h2 em{color:#8db6c4}
.footer{background:#032f3b}.footer-brand p,.footer-bottom,.footer-links a,.footer-links button{color:#c6dadd}.footer-tag{color:#b4cbd3}.footer-logo{background:#fff;border-radius:6px;padding:8px}
@media(max-width:1180px){.brand-logo{width:260px}}
@media(max-width:990px){.brand-logo{width:250px}}
@media(max-width:680px){.brand-logo{width:220px;max-height:64px}}
@media(max-width:390px){.brand-logo{width:190px}}


/* KCCU v1.2 — GHCU-aligned layout, typography and header refinements.
   The missing --wrap definition was corrected above; this final group
   resolves overly wide cards, cramped nav, and dark headline emphasis. */
:root{--wrap:1200px;--hero-accent:#b9e2ef}
.wrap{width:min(var(--wrap),calc(100% - 64px));margin-inline:auto}
.header-inner{height:94px;gap:20px;display:flex;align-items:center;justify-content:space-between}
.brand-image{flex:0 0 auto}
.brand-logo{width:clamp(245px,20vw,295px);max-height:82px;height:auto;object-fit:contain;object-position:left center}
.desktop-nav{gap:17px;flex:0 1 auto}
.desktop-nav a{font-size:13px;white-space:nowrap}
.header-actions{display:flex;align-items:center;gap:10px;flex:0 0 auto}
.header-actions .btn{font-size:12px;min-height:45px;padding:12px 14px;white-space:nowrap}
.hero-grid,.page-hero .hero-grid{height:600px;min-height:600px;grid-template-columns:1.02fr .98fr}
.hero-copy{padding:65px 42px 65px 0;justify-content:center;min-width:0}
.hero h1{font-size:clamp(44px,4.5vw,66px);line-height:1.14;letter-spacing:-.057em;margin:22px 0 20px}
.hero h1 em,.page-hero h1 em{color:var(--hero-accent);font-weight:500}
.hero-copy>p{font-size:17px;line-height:1.75;max-width:465px;color:#f0f8fb}
.hero-buttons{gap:12px}
.hero-buttons .btn{padding:15px 21px;font-size:13px;min-height:48px}
.hero .kicker,.hero-copy .kicker{color:#b9e2ef}
.proof{font-size:12px}
.photo-side{margin-right:calc((min(var(--wrap),100vw - 64px) - 100vw)/2)}
.quick-grid{grid-template-columns:repeat(4,minmax(0,1fr))}
.quick-card{min-width:0}
.quick-card p{font-size:14px}
.section-heading p,.feature p,.saving p,.locations p{font-size:16px}
/* Keep teal accents legible against the very dark hero background. */
.hero .btn-outline{border-color:#a6d2df;color:#fff}
@media(max-width:1260px){
 .brand-logo{width:250px}
 .desktop-nav{gap:11px}
 .desktop-nav a{font-size:12px}
 .header-inner{gap:12px}
 .header-actions .btn{padding:11px 12px;font-size:11px}
}
@media(max-width:1080px){
 .desktop-nav{display:none}
 .mobile-toggle{display:block}
 .header-inner{height:82px}
 .brand-logo{width:270px;max-height:73px}
 .hero-grid,.page-hero .hero-grid{height:600px;min-height:600px}
 .hero-copy{padding:58px 30px 58px 0}
 .hero h1{font-size:clamp(41px,5vw,58px)}
}
@media(max-width:680px){
 .wrap{width:calc(100% - 36px)}
 .header-inner{height:74px}
 .brand-logo{width:225px;max-height:65px}
 .hero-grid,.page-hero .hero-grid{height:auto;min-height:0;display:flex;flex-direction:column}
 .hero-copy{padding:54px 0 45px}
 .hero h1{font-size:clamp(40px,10vw,55px)}
 .hero-copy>p{font-size:15px}
 .hero-buttons .btn{padding:13px 16px}
 .photo-side,.hero .photo-side{height:350px;min-height:350px;margin:0 -18px}
 .quick-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
 .quick-card p{font-size:13px}
 .section-heading p,.feature p,.saving p,.locations p{font-size:15px}
}
@media(max-width:420px){.brand-logo{width:190px}.header-actions{gap:5px}}


/* v1.3 Mortgage template, shared KCCU brand and 600px desktop hero */
.mortgage-hero .hero-grid{height:600px;min-height:600px}
.mortgage-hero .photo-side>img{object-position:55% center}
.mortgage-hero .hero-copy{padding-top:52px;padding-bottom:52px}
.mortgage-hero h1{max-width:570px}
.mortgage-benefits .quick-card{min-height:205px}
.mortgage-rate-banner{margin-top:34px;padding:27px 30px;background:#eaf5f8;border:1px solid #c8dee5;border-radius:14px;display:flex;justify-content:space-between;align-items:center;gap:24px}
.mortgage-rate-banner h3{font:800 23px/1.3 Manrope,sans-serif;letter-spacing:-.04em;margin:8px 0}
.mortgage-rate-banner p{font-size:14px;color:var(--muted);margin:0;max-width:700px}
.mortgage-rate-banner .btn{flex-shrink:0}
.mortgage-goals-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.goal-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:27px;display:flex;flex-direction:column;min-height:260px;box-shadow:0 12px 28px rgba(0,73,93,.035)}
.goal-card:hover{box-shadow:0 14px 30px rgba(0,73,93,.1)}
.goal-icon{background:#e8f3f6;border-radius:12px;display:grid;place-items:center;width:48px;height:48px;color:var(--teal);font-size:27px;margin-bottom:18px}
.goal-card h3{font:800 19px/1.35 Manrope,sans-serif;letter-spacing:-.03em;margin:0 0 10px}
.goal-card p{color:var(--muted);font-size:14px;line-height:1.7;margin-bottom:18px}
.goal-card a{color:var(--teal);font-size:14px;font-weight:800;margin-top:auto;text-decoration:underline;text-underline-offset:5px}
.mortgage-picture{border-radius:15px;overflow:hidden;position:relative;height:410px}
.mortgage-picture img{width:100%;height:100%;object-fit:cover;object-position:52% center}
.mortgage-products{margin:22px 0 25px;display:grid;gap:14px}
.mortgage-products>div{border-left:3px solid #6ba6b5;padding-left:15px}
.mortgage-products strong{font-size:16px;color:var(--ink)}
.mortgage-products p{font-size:14px;margin:4px 0 0;color:var(--muted);line-height:1.6}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.steps-grid article{padding:25px;background:#fff;border:1px solid var(--line);border-radius:14px}
.steps-grid article>span{font:800 24px Manrope,sans-serif;color:var(--teal)}
.steps-grid h3{margin:12px 0 10px;font-size:20px}
.steps-grid p{color:var(--muted);font-size:14px;margin:0}
.faq-list{border-top:1px solid var(--line)}
.faq-list details{border-bottom:1px solid var(--line);padding:17px 4px}
.faq-list summary{font-size:16px;font-weight:800;cursor:pointer;list-style-position:outside}
.faq-list details p{color:var(--muted);font-size:14px;line-height:1.75;margin:10px 0 0}
.faq-list details a{color:var(--teal);text-decoration:underline}
.mortgage-disclaimer{padding:14px 0 22px}.mortgage-disclaimer p{font-size:11px;color:#75868b;line-height:1.6;margin:0}
@media(max-width:1080px){.mortgage-hero .hero-grid{height:600px;min-height:600px}}
@media(max-width:860px){.mortgage-goals-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.mortgage-rate-banner{align-items:flex-start;flex-direction:column}.steps-grid{gap:12px}}
@media(max-width:680px){.mortgage-hero .hero-grid{height:auto;min-height:0}.mortgage-goals-grid,.steps-grid{grid-template-columns:1fr}.goal-card{min-height:0}.mortgage-picture{height:320px}.mortgage-rate-banner{padding:22px}.mortgage-rate-banner h3{font-size:21px}}