:root {
  --navy-950: #061629;
  --navy-900: #0a203b;
  --navy-800: #10345d;
  --blue-700: #0b4b9f;
  --blue-600: #1464c7;
  --gold-500: #d4a547;
  --gold-400: #e5bd69;
  --cream: #f7f4ee;
  --ice: #f2f6fa;
  --white: #ffffff;
  --ink: #142238;
  --muted: #647186;
  --line: #dce4ec;
  --shadow-sm: 0 8px 30px rgba(6, 22, 41, 0.08);
  --shadow-lg: 0 26px 70px rgba(6, 22, 41, 0.14);
  --radius-sm: 8px;
  --radius-md: 14px;
  --radius-lg: 24px;
  --container: 1180px;
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 110px;
}

body {
  margin: 0;
  background: var(--white);
  color: var(--ink);
  font-family: Arial, Helvetica, sans-serif;
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

button,
input,
select,
textarea {
  font: inherit;
}

a {
  color: inherit;
  text-decoration: none;
}

svg {
  display: block;
}

.container {
  width: min(calc(100% - 40px), var(--container));
  margin-inline: auto;
}

.language-control {
  position: absolute;
  width: 1px;
  height: 1px;
  overflow: hidden;
  opacity: 0;
  pointer-events: none;
}

.lang-vi,
.lang-es {
  display: none !important;
}

#lang-vi:checked ~ .site-shell .lang-en,
#lang-es:checked ~ .site-shell .lang-en {
  display: none !important;
}

#lang-vi:checked ~ .site-shell .lang-vi,
#lang-es:checked ~ .site-shell .lang-es {
  display: revert !important;
}

.skip-link {
  position: fixed;
  z-index: 1000;
  top: 10px;
  left: 10px;
  padding: 10px 16px;
  border-radius: 5px;
  background: var(--white);
  color: var(--navy-950);
  transform: translateY(-150%);
  transition: transform 0.2s ease;
}

.skip-link:focus {
  transform: translateY(0);
}

.utility-bar {
  background: var(--navy-950);
  color: rgba(255, 255, 255, 0.82);
  font-size: 12px;
  letter-spacing: 0.03em;
}

.utility-inner,
.utility-links,
.header-inner,
.header-actions,
.hero-actions,
.hero-assurance,
.mobile-action-bar {
  display: flex;
  align-items: center;
}

.utility-inner {
  min-height: 36px;
  justify-content: space-between;
}

.utility-inner p {
  display: flex;
  align-items: center;
  gap: 8px;
  margin: 0;
}

.status-dot {
  width: 7px;
  height: 7px;
  border-radius: 50%;
  background: var(--gold-400);
  box-shadow: 0 0 0 4px rgba(229, 189, 105, 0.11);
}

.utility-links {
  gap: 22px;
}

.utility-links a {
  display: flex;
  align-items: center;
  gap: 7px;
  color: var(--white);
  font-weight: 700;
}

.utility-links svg,
.button svg,
.text-link svg,
.program-card a svg {
  width: 17px;
  height: 17px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.9;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.site-header {
  position: sticky;
  z-index: 100;
  top: 0;
  border-bottom: 1px solid rgba(10, 32, 59, 0.08);
  background: rgba(255, 255, 255, 0.96);
  box-shadow: 0 5px 20px rgba(6, 22, 41, 0.04);
  backdrop-filter: blur(14px);
}

.header-inner {
  min-height: 82px;
  justify-content: space-between;
  gap: 28px;
}

.brand {
  display: inline-flex;
  align-items: center;
  gap: 12px;
  flex-shrink: 0;
}

.brand-mark {
  display: grid;
  width: 44px;
  height: 48px;
  place-items: center;
  background: var(--navy-950);
  color: var(--gold-400);
  clip-path: polygon(50% 0, 94% 19%, 94% 74%, 50% 100%, 6% 74%, 6% 19%);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 25px;
  font-weight: 700;
}

.brand-copy {
  display: flex;
  flex-direction: column;
  line-height: 1;
}

.brand-copy strong {
  color: var(--navy-950);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 20px;
  letter-spacing: 0.04em;
}

.brand-copy small {
  margin-top: 7px;
  color: var(--muted);
  font-size: 8px;
  font-weight: 700;
  letter-spacing: 0.19em;
}

.desktop-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 25px;
  margin-left: auto;
}

.desktop-nav a {
  position: relative;
  padding-block: 29px;
  color: #34445a;
  font-size: 13px;
  font-weight: 700;
}

.desktop-nav a::after {
  position: absolute;
  right: 0;
  bottom: 18px;
  left: 0;
  height: 2px;
  background: var(--gold-500);
  content: "";
  transform: scaleX(0);
  transition: transform 0.2s ease;
}

.desktop-nav a:hover::after,
.desktop-nav a:focus-visible::after {
  transform: scaleX(1);
}

.header-actions {
  gap: 10px;
}

.language-button {
  display: inline-flex;
  height: 42px;
  align-items: center;
  gap: 7px;
  padding: 0 12px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  color: var(--navy-900);
  cursor: pointer;
  font-size: 12px;
  font-weight: 800;
  transition: border-color 0.2s ease, background 0.2s ease;
}

.language-button:hover {
  border-color: var(--navy-800);
  background: var(--ice);
}

.language-button svg {
  width: 16px;
  height: 16px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
}

.button {
  display: inline-flex;
  min-height: 50px;
  align-items: center;
  justify-content: center;
  gap: 10px;
  padding: 0 22px;
  border: 1px solid transparent;
  border-radius: 7px;
  cursor: pointer;
  font-size: 13px;
  font-weight: 800;
  letter-spacing: 0.015em;
  transition: transform 0.2s ease, background 0.2s ease, border-color 0.2s ease, box-shadow 0.2s ease;
}

.button:hover {
  transform: translateY(-2px);
}

.button-primary {
  background: var(--blue-700);
  color: var(--white);
  box-shadow: 0 8px 20px rgba(11, 75, 159, 0.18);
}

.button-primary:hover {
  background: #083f86;
}

.header-cta {
  min-height: 42px;
  padding-inline: 17px;
}

.mobile-menu {
  display: none;
  position: relative;
}

.mobile-menu summary {
  display: grid;
  width: 42px;
  height: 42px;
  padding: 10px;
  place-content: center;
  gap: 5px;
  border: 1px solid var(--line);
  border-radius: 7px;
  cursor: pointer;
  list-style: none;
}

.mobile-menu summary::-webkit-details-marker {
  display: none;
}

.mobile-menu summary span {
  display: block;
  width: 20px;
  height: 2px;
  background: var(--navy-900);
}

.mobile-menu nav {
  position: absolute;
  top: 53px;
  right: 0;
  display: flex;
  width: min(310px, calc(100vw - 30px));
  flex-direction: column;
  padding: 12px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--white);
  box-shadow: var(--shadow-lg);
}

.mobile-menu nav a {
  padding: 11px 12px;
  border-bottom: 1px solid #edf1f5;
  color: var(--navy-900);
  font-size: 14px;
  font-weight: 700;
}

.mobile-menu nav a:last-child {
  margin-top: 8px;
  border: 0;
  border-radius: 6px;
  background: var(--navy-900);
  color: var(--white);
  text-align: center;
}

.hero {
  position: relative;
  min-height: 700px;
  overflow: hidden;
  background-image:
    linear-gradient(90deg, rgba(6, 22, 41, 0.97) 0%, rgba(6, 22, 41, 0.92) 35%, rgba(6, 22, 41, 0.68) 52%, rgba(6, 22, 41, 0.12) 78%),
    url("/assets/hero-mortgage.webp");
  background-position: center;
  background-size: cover;
  color: var(--white);
}

.hero::before {
  position: absolute;
  inset: 0;
  background-image: linear-gradient(rgba(255, 255, 255, 0.025) 1px, transparent 1px), linear-gradient(90deg, rgba(255, 255, 255, 0.025) 1px, transparent 1px);
  background-size: 64px 64px;
  content: "";
  mask-image: linear-gradient(90deg, black, transparent 66%);
}

.hero-inner {
  position: relative;
  z-index: 1;
  display: flex;
  min-height: 700px;
  align-items: center;
  padding-block: 70px;
}

.hero-copy {
  max-width: 650px;
}

.eyebrow,
.kicker {
  margin: 0 0 18px;
  color: var(--gold-500);
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.19em;
  text-transform: uppercase;
}

.eyebrow {
  display: flex;
  align-items: center;
  gap: 12px;
  color: var(--gold-400);
}

.eyebrow-line {
  width: 34px;
  height: 2px;
  background: var(--gold-400);
}

.hero h1,
.section-heading h2,
.process-intro h2,
.about-copy h2,
.faq-intro h2,
.contact-copy h2 {
  margin: 0;
  font-family: Georgia, "Times New Roman", serif;
  font-weight: 400;
  letter-spacing: -0.035em;
  line-height: 1.08;
}

.hero h1 {
  max-width: 640px;
  font-size: clamp(48px, 5.4vw, 72px);
}

.hero h1 em {
  color: var(--gold-400);
  font-style: italic;
}

.hero-lead {
  max-width: 600px;
  margin: 24px 0 0;
  color: rgba(255, 255, 255, 0.82);
  font-size: 18px;
  line-height: 1.75;
}

.hero-actions {
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 34px;
}

.button-gold {
  background: var(--gold-500);
  color: var(--navy-950);
  box-shadow: 0 10px 26px rgba(212, 165, 71, 0.22);
}

.button-gold:hover {
  background: #e2b75b;
}

.button-ghost {
  border-color: rgba(255, 255, 255, 0.3);
  background: rgba(255, 255, 255, 0.06);
  color: var(--white);
  backdrop-filter: blur(7px);
}

.button-ghost:hover {
  border-color: rgba(255, 255, 255, 0.7);
  background: rgba(255, 255, 255, 0.12);
}

.hero-assurance {
  flex-wrap: wrap;
  gap: 24px;
  margin-top: 28px;
  color: rgba(255, 255, 255, 0.72);
  font-size: 12px;
  font-weight: 700;
}

.hero-assurance > span {
  display: inline-flex;
  align-items: center;
  gap: 8px;
}

.hero-assurance svg,
.value-check svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: var(--gold-400);
  stroke-width: 2;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.trust-strip {
  border-bottom: 1px solid var(--line);
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.trust-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
}

.trust-grid > div {
  display: flex;
  min-height: 118px;
  align-items: center;
  gap: 15px;
  padding: 24px 30px;
  border-right: 1px solid var(--line);
}

.trust-grid > div:first-child {
  border-left: 1px solid var(--line);
}

.trust-grid svg {
  width: 31px;
  height: 31px;
  flex-shrink: 0;
  fill: none;
  stroke: var(--gold-500);
  stroke-width: 1.5;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.trust-grid strong,
.trust-grid small {
  display: block;
}

.trust-grid strong {
  color: var(--navy-900);
  font-size: 14px;
}

.trust-grid small {
  margin-top: 3px;
  color: var(--muted);
  font-size: 11px;
  line-height: 1.35;
}

.section {
  padding-block: 104px;
}

.programs {
  background: var(--ice);
}

.section-heading {
  max-width: 770px;
  margin-bottom: 50px;
}

.section-heading.centered {
  margin-right: auto;
  margin-left: auto;
  text-align: center;
}

.section-heading.narrow {
  max-width: 700px;
}

.section-heading h2,
.process-intro h2,
.about-copy h2,
.faq-intro h2,
.contact-copy h2 {
  color: var(--navy-950);
  font-size: clamp(38px, 4.1vw, 54px);
}

.section-heading > p:last-child,
.faq-intro > p,
.about-copy > p,
.process-intro > p,
.contact-copy > p {
  margin: 20px 0 0;
  color: var(--muted);
  font-size: 16px;
  line-height: 1.75;
}

.program-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 18px;
}

.program-card {
  position: relative;
  min-height: 350px;
  overflow: hidden;
  padding: 34px;
  border: 1px solid #dfe7ee;
  border-radius: 12px;
  background: var(--white);
  box-shadow: 0 8px 30px rgba(6, 22, 41, 0.035);
  transition: transform 0.25s ease, box-shadow 0.25s ease, border-color 0.25s ease;
}

.program-card:hover {
  z-index: 2;
  border-color: rgba(212, 165, 71, 0.6);
  box-shadow: var(--shadow-lg);
  transform: translateY(-6px);
}

.program-card.featured {
  background: var(--navy-900);
  color: var(--white);
}

.program-card::after {
  position: absolute;
  right: -45px;
  bottom: -58px;
  width: 145px;
  height: 145px;
  border: 1px solid rgba(212, 165, 71, 0.2);
  border-radius: 50%;
  content: "";
}

.card-icon {
  display: grid;
  width: 52px;
  height: 52px;
  place-items: center;
  border-radius: 11px;
  background: rgba(212, 165, 71, 0.12);
  color: var(--gold-500);
}

.featured .card-icon {
  background: rgba(212, 165, 71, 0.16);
  color: var(--gold-400);
}

.card-icon svg {
  width: 27px;
  height: 27px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.55;
  stroke-linecap: round;
  stroke-linejoin: round;
}

.card-number {
  position: absolute;
  top: 31px;
  right: 32px;
  color: #a3afbc;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.1em;
}

.program-card h3 {
  margin: 25px 0 12px;
  color: var(--navy-900);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 24px;
  font-weight: 400;
  line-height: 1.2;
}

.program-card.featured h3 {
  color: var(--white);
}

.program-card p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.7;
}

.program-card.featured p {
  color: rgba(255, 255, 255, 0.68);
}

.program-card a {
  position: absolute;
  z-index: 2;
  bottom: 31px;
  left: 34px;
  display: inline-flex;
  align-items: center;
  gap: 8px;
  color: var(--blue-700);
  font-size: 12px;
  font-weight: 800;
}

.program-card.featured a {
  color: var(--gold-400);
}

.program-note {
  max-width: 780px;
  margin: 28px auto 0;
  color: #788496;
  font-size: 11px;
  text-align: center;
}

.process {
  position: relative;
  overflow: hidden;
  background: var(--navy-950);
  color: var(--white);
}

.process::before {
  position: absolute;
  top: -180px;
  right: -100px;
  width: 560px;
  height: 560px;
  border: 1px solid rgba(212, 165, 71, 0.12);
  border-radius: 50%;
  box-shadow: 0 0 0 70px rgba(212, 165, 71, 0.025), 0 0 0 140px rgba(212, 165, 71, 0.018);
  content: "";
}

.process-layout {
  position: relative;
  z-index: 1;
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 90px;
  align-items: center;
}

.kicker.light {
  color: var(--gold-400);
}

.process-intro h2,
.contact-copy h2 {
  color: var(--white);
}

.process-intro > p,
.contact-copy > p {
  color: rgba(255, 255, 255, 0.66);
}

.text-link {
  display: inline-flex;
  align-items: center;
  gap: 9px;
  margin-top: 26px;
  color: var(--blue-700);
  font-size: 13px;
  font-weight: 800;
}

.text-link.light {
  color: var(--gold-400);
}

.process-steps {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.process-steps article {
  display: grid;
  grid-template-columns: 70px 1fr;
  gap: 24px;
  padding: 34px 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.12);
}

.step-number {
  padding-top: 2px;
  color: var(--gold-400);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 29px;
  font-style: italic;
}

.process-steps h3 {
  margin: 0 0 7px;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 22px;
  font-weight: 400;
}

.process-steps p {
  margin: 0;
  color: rgba(255, 255, 255, 0.58);
  font-size: 14px;
}

.about {
  background: var(--white);
}

.about-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 90px;
  align-items: center;
}

.about-visual {
  position: relative;
  min-height: 520px;
}

.about-visual::before {
  position: absolute;
  inset: 30px 40px 0 0;
  border-radius: 10px;
  background: linear-gradient(140deg, #edf3f8, #f8fafc);
  content: "";
}

.about-card {
  position: absolute;
  z-index: 1;
  top: 0;
  right: 0;
  bottom: 38px;
  left: 42px;
  display: flex;
  align-items: center;
  gap: 34px;
  padding: 58px;
  border-radius: 10px;
  background: linear-gradient(145deg, var(--navy-900), var(--navy-950));
  box-shadow: var(--shadow-lg);
  color: var(--white);
}

.about-monogram {
  color: var(--gold-400);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 150px;
  line-height: 1;
}

.about-card p {
  margin: 0;
  color: rgba(255, 255, 255, 0.86);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 26px;
  letter-spacing: 0.02em;
  line-height: 1.55;
}

.nmls-card {
  position: absolute;
  z-index: 2;
  right: -20px;
  bottom: 0;
  display: flex;
  align-items: center;
  gap: 13px;
  padding: 17px 22px;
  border-radius: 8px;
  background: var(--gold-500);
  box-shadow: var(--shadow-sm);
  color: var(--navy-950);
}

.nmls-card svg {
  width: 29px;
  height: 29px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.6;
}

.nmls-card span {
  display: flex;
  flex-direction: column;
  line-height: 1.15;
}

.nmls-card small {
  font-size: 9px;
  font-weight: 800;
  letter-spacing: 0.14em;
}

.nmls-card strong {
  font-size: 16px;
}

.about-copy .lead {
  font-size: 17px;
}

.value-list {
  display: grid;
  gap: 20px;
  margin-top: 34px;
}

.value-list > div {
  display: grid;
  grid-template-columns: 42px 1fr;
  gap: 13px;
}

.value-check {
  display: grid;
  width: 36px;
  height: 36px;
  place-items: center;
  border-radius: 50%;
  background: rgba(212, 165, 71, 0.12);
}

.value-list strong,
.value-list small {
  display: block;
}

.value-list strong {
  color: var(--navy-900);
  font-size: 14px;
}

.value-list small {
  margin-top: 2px;
  color: var(--muted);
  font-size: 13px;
}

.standards {
  border-top: 1px solid var(--line);
  background: var(--cream);
}

.standards-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 1px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--line);
}

.standards-grid article {
  min-height: 270px;
  padding: 38px;
  background: var(--white);
}

.standards-grid article > span {
  color: var(--gold-500);
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.12em;
}

.standards-grid h3 {
  margin: 54px 0 12px;
  color: var(--navy-900);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 24px;
  font-weight: 400;
  line-height: 1.25;
}

.standards-grid p {
  margin: 0;
  color: var(--muted);
  font-size: 14px;
}

.faq {
  background: var(--white);
}

.faq-grid {
  display: grid;
  grid-template-columns: 0.75fr 1.25fr;
  gap: 90px;
  align-items: start;
}

.faq-intro {
  position: sticky;
  top: 130px;
}

.faq-intro .text-link svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
}

.accordion {
  border-top: 1px solid var(--line);
}

.accordion details {
  border-bottom: 1px solid var(--line);
}

.accordion summary {
  position: relative;
  display: flex;
  min-height: 84px;
  align-items: center;
  justify-content: space-between;
  gap: 22px;
  padding: 20px 8px;
  color: var(--navy-900);
  cursor: pointer;
  font-family: Georgia, "Times New Roman", serif;
  font-size: 19px;
  font-weight: 400;
  list-style: none;
}

.accordion summary::-webkit-details-marker {
  display: none;
}

.accordion summary i {
  position: relative;
  width: 18px;
  height: 18px;
  flex-shrink: 0;
}

.accordion summary i::before,
.accordion summary i::after {
  position: absolute;
  top: 8px;
  left: 1px;
  width: 16px;
  height: 1.5px;
  background: var(--blue-700);
  content: "";
}

.accordion summary i::after {
  transform: rotate(90deg);
  transition: transform 0.2s ease;
}

.accordion details[open] summary i::after {
  transform: rotate(0);
}

.accordion details p {
  margin: -6px 0 0;
  padding: 0 56px 28px 8px;
  color: var(--muted);
  font-size: 14px;
  line-height: 1.75;
}

.contact {
  padding-block: 100px;
  background: linear-gradient(130deg, var(--navy-900), var(--navy-950));
  color: var(--white);
}

.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 90px;
  align-items: center;
}

.contact-copy h2 {
  font-size: clamp(40px, 4.5vw, 57px);
}

.contact-methods {
  display: grid;
  gap: 14px;
  margin-top: 34px;
}

.contact-methods a {
  display: flex;
  align-items: center;
  gap: 13px;
  width: fit-content;
}

.contact-icon {
  display: grid;
  width: 40px;
  height: 40px;
  place-items: center;
  border: 1px solid rgba(255, 255, 255, 0.17);
  border-radius: 8px;
  color: var(--gold-400);
}

.contact-icon svg {
  width: 18px;
  height: 18px;
  fill: none;
  stroke: currentColor;
  stroke-width: 1.8;
}

.contact-methods small,
.contact-methods strong {
  display: block;
}

.contact-methods small {
  color: rgba(255, 255, 255, 0.52);
  font-size: 10px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}

.contact-methods strong {
  color: var(--white);
  font-size: 15px;
}

.hours {
  margin-top: 33px;
  padding-top: 25px;
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.hours strong {
  font-size: 12px;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hours p {
  margin: 8px 0 0;
  color: rgba(255, 255, 255, 0.62);
  font-size: 13px;
}

.lead-form {
  padding: 40px;
  border-radius: 14px;
  background: var(--white);
  box-shadow: 0 30px 80px rgba(0, 0, 0, 0.24);
  color: var(--ink);
}

.form-step {
  display: inline-block;
  padding: 5px 9px;
  border-radius: 4px;
  background: rgba(212, 165, 71, 0.14);
  color: #9a7021;
  font-size: 9px;
  font-weight: 800;
  letter-spacing: 0.11em;
  text-transform: uppercase;
}

.form-heading h3 {
  margin: 12px 0 7px;
  color: var(--navy-900);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 28px;
  font-weight: 400;
}

.form-heading p {
  margin: 0 0 24px;
  color: var(--muted);
  font-size: 13px;
}

.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.lead-form > label,
.form-row label {
  display: grid;
  gap: 7px;
  margin-bottom: 14px;
  color: #34445a;
  font-size: 11px;
  font-weight: 800;
  letter-spacing: 0.03em;
}

.lead-form input,
.lead-form select {
  width: 100%;
  height: 48px;
  padding: 0 13px;
  border: 1px solid #d6dfe8;
  border-radius: 6px;
  outline: none;
  background: #fbfcfd;
  color: var(--ink);
  font-size: 14px;
  transition: border-color 0.2s ease, box-shadow 0.2s ease;
}

.lead-form input:focus,
.lead-form select:focus {
  border-color: var(--blue-600);
  box-shadow: 0 0 0 3px rgba(20, 100, 199, 0.12);
}

.lead-form .consent {
  display: grid;
  grid-template-columns: 18px 1fr;
  gap: 9px;
  align-items: start;
  margin: 7px 0 18px;
  color: #697689;
  font-size: 10px;
  font-weight: 400;
  line-height: 1.5;
}

.lead-form .consent input {
  width: 16px;
  height: 16px;
  margin-top: 2px;
}

.submit-button {
  width: 100%;
  border: 0;
}

.form-disclaimer {
  margin: 12px 0 0;
  color: #8a94a3;
  font-size: 9px;
  line-height: 1.5;
  text-align: center;
}

.hidden-field {
  position: absolute !important;
  left: -10000px !important;
}

.site-footer {
  background: #051323;
  color: rgba(255, 255, 255, 0.68);
}

.footer-main {
  display: grid;
  grid-template-columns: 1.7fr 0.7fr 0.9fr 1fr;
  gap: 55px;
  padding-block: 70px 50px;
}

.footer-logo .brand-mark {
  background: var(--gold-500);
  color: var(--navy-950);
}

.footer-logo .brand-copy strong {
  color: var(--white);
}

.footer-logo .brand-copy small {
  color: rgba(255, 255, 255, 0.48);
}

.footer-brand p {
  max-width: 340px;
  margin: 23px 0 0;
  font-size: 13px;
  line-height: 1.75;
}

.footer-links,
.footer-contact {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 10px;
  font-size: 12px;
}

.footer-links strong,
.footer-contact > strong {
  margin-bottom: 7px;
  color: var(--white);
  font-size: 11px;
  letter-spacing: 0.13em;
  text-transform: uppercase;
}

.footer-links a:hover,
.footer-contact a:hover {
  color: var(--gold-400);
}

.compliance {
  display: grid;
  grid-template-columns: auto 1fr;
  gap: 24px;
  align-items: center;
  padding-block: 28px;
  border-top: 1px solid rgba(255, 255, 255, 0.09);
}

.equal-housing {
  display: flex;
  align-items: center;
  gap: 8px;
  color: rgba(255, 255, 255, 0.55);
  font-size: 7px;
  font-weight: 800;
  letter-spacing: 0.08em;
  line-height: 1.2;
}

.eho-house {
  font-size: 30px;
  line-height: 1;
}

.compliance p {
  margin: 0;
  color: rgba(255, 255, 255, 0.42);
  font-size: 9px;
  line-height: 1.6;
}

.footer-bottom {
  background: rgba(0, 0, 0, 0.16);
  color: rgba(255, 255, 255, 0.44);
  font-size: 10px;
}

.footer-bottom .container {
  display: flex;
  min-height: 48px;
  align-items: center;
  justify-content: space-between;
}

.mobile-action-bar {
  display: none;
}

.legal-shell {
  min-height: 100vh;
  background: var(--ice);
}

.legal-header {
  padding: 22px 0;
  background: var(--navy-950);
}

.legal-header .brand-copy strong {
  color: var(--white);
}

.legal-header .brand-copy small {
  color: rgba(255, 255, 255, 0.55);
}

.legal-header .brand-mark {
  background: var(--gold-500);
  color: var(--navy-950);
}

.legal-content {
  max-width: 850px;
  margin: 50px auto;
  padding: 48px;
  border: 1px solid var(--line);
  border-radius: 12px;
  background: var(--white);
  box-shadow: var(--shadow-sm);
}

.legal-content h1 {
  margin: 0 0 14px;
  color: var(--navy-950);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 44px;
  font-weight: 400;
}

.legal-content h2 {
  margin: 34px 0 9px;
  color: var(--navy-900);
  font-family: Georgia, "Times New Roman", serif;
  font-size: 24px;
  font-weight: 400;
}

.legal-content p,
.legal-content li {
  color: var(--muted);
  font-size: 14px;
}

.legal-content .button {
  margin-top: 24px;
}

@media (max-width: 1080px) {
  .desktop-nav {
    gap: 16px;
  }

  .desktop-nav a {
    font-size: 12px;
  }

  .header-cta {
    display: none;
  }

  .program-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .process-layout,
  .about-grid,
  .contact-grid {
    gap: 55px;
  }

  .footer-main {
    grid-template-columns: 1.3fr 0.7fr 0.8fr;
  }

  .footer-contact {
    grid-column: 2 / 4;
  }
}

@media (max-width: 860px) {
  .utility-inner > p,
  .utility-links > span,
  .desktop-nav {
    display: none;
  }

  .utility-inner {
    justify-content: flex-end;
  }

  .mobile-menu {
    display: block;
  }

  .hero {
    min-height: 650px;
    background-image:
      linear-gradient(90deg, rgba(6, 22, 41, 0.97) 0%, rgba(6, 22, 41, 0.9) 52%, rgba(6, 22, 41, 0.38) 100%),
      url("/assets/hero-mortgage.webp");
    background-position: 62% center;
  }

  .hero-inner {
    min-height: 650px;
  }

  .trust-grid {
    grid-template-columns: repeat(2, 1fr);
  }

  .trust-grid > div:nth-child(3) {
    border-left: 1px solid var(--line);
  }

  .trust-grid > div:nth-child(-n + 2) {
    border-bottom: 1px solid var(--line);
  }

  .process-layout,
  .about-grid,
  .faq-grid,
  .contact-grid {
    grid-template-columns: 1fr;
  }

  .process-layout,
  .about-grid,
  .faq-grid,
  .contact-grid {
    gap: 55px;
  }

  .about-visual {
    max-width: 600px;
    width: 100%;
    margin-inline: auto;
  }

  .faq-intro {
    position: static;
  }

  .standards-grid {
    grid-template-columns: 1fr;
  }

  .standards-grid article {
    min-height: auto;
  }

  .standards-grid h3 {
    margin-top: 25px;
  }

  .contact-copy {
    max-width: 640px;
  }
}

@media (max-width: 640px) {
  .container {
    width: min(calc(100% - 28px), var(--container));
  }

  .utility-links {
    width: 100%;
    justify-content: center;
  }

  .header-inner {
    min-height: 72px;
    gap: 10px;
  }

  .brand-mark {
    width: 38px;
    height: 42px;
    font-size: 22px;
  }

  .brand-copy strong {
    font-size: 16px;
  }

  .brand-copy small {
    font-size: 6.5px;
  }

  .language-button {
    height: 40px;
    padding-inline: 9px;
  }

  .mobile-menu summary {
    width: 40px;
    height: 40px;
  }

  .hero,
  .hero-inner {
    min-height: 620px;
  }

  .hero {
    background-position: 67% center;
  }

  .hero-inner {
    align-items: flex-end;
    padding: 60px 0 54px;
  }

  .hero h1 {
    font-size: clamp(42px, 13vw, 54px);
  }

  .hero-lead {
    font-size: 16px;
    line-height: 1.65;
  }

  .hero-actions {
    display: grid;
    grid-template-columns: 1fr;
  }

  .hero-actions .button {
    width: 100%;
  }

  .hero-assurance {
    gap: 12px;
  }

  .trust-grid {
    grid-template-columns: 1fr;
  }

  .trust-grid > div {
    min-height: 92px;
    padding: 18px 24px;
    border-bottom: 1px solid var(--line);
    border-left: 1px solid var(--line);
  }

  .section,
  .contact {
    padding-block: 76px;
  }

  .section-heading {
    margin-bottom: 36px;
  }

  .section-heading h2,
  .process-intro h2,
  .about-copy h2,
  .faq-intro h2,
  .contact-copy h2 {
    font-size: 38px;
  }

  .program-grid {
    grid-template-columns: 1fr;
  }

  .program-card {
    min-height: 335px;
    padding: 28px;
  }

  .program-card a {
    left: 28px;
  }

  .process-steps article {
    grid-template-columns: 52px 1fr;
    gap: 12px;
  }

  .about-visual {
    min-height: 430px;
  }

  .about-card {
    left: 0;
    gap: 20px;
    padding: 35px 28px;
  }

  .about-monogram {
    font-size: 100px;
  }

  .about-card p {
    font-size: 20px;
  }

  .nmls-card {
    right: 0;
  }

  .standards-grid article {
    padding: 30px;
  }

  .accordion summary {
    font-size: 17px;
  }

  .lead-form {
    padding: 27px 20px;
  }

  .form-row {
    grid-template-columns: 1fr;
    gap: 0;
  }

  .footer-main {
    grid-template-columns: 1fr 1fr;
    gap: 38px 25px;
  }

  .footer-brand,
  .footer-contact {
    grid-column: 1 / -1;
  }

  .footer-contact {
    grid-row: auto;
  }

  .compliance {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    padding-bottom: 64px;
  }

  .footer-bottom .container {
    min-height: 62px;
    flex-direction: column;
    justify-content: center;
    gap: 2px;
    text-align: center;
  }

  .mobile-action-bar {
    position: fixed;
    z-index: 150;
    right: 0;
    bottom: 0;
    left: 0;
    display: grid;
    grid-template-columns: 1fr 1fr;
    padding: 8px;
    border-top: 1px solid rgba(255, 255, 255, 0.12);
    background: var(--navy-950);
    box-shadow: 0 -8px 25px rgba(6, 22, 41, 0.16);
  }

  .mobile-action-bar a {
    display: flex;
    min-height: 44px;
    align-items: center;
    justify-content: center;
    gap: 7px;
    color: var(--white);
    font-size: 12px;
    font-weight: 800;
  }

  .mobile-action-bar a:last-child {
    border-radius: 5px;
    background: var(--gold-500);
    color: var(--navy-950);
  }

  .mobile-action-bar svg {
    width: 17px;
    height: 17px;
    fill: none;
    stroke: currentColor;
    stroke-width: 1.9;
  }

  .legal-content {
    margin: 25px auto;
    padding: 28px 20px;
  }

  .legal-content h1 {
    font-size: 36px;
  }
}

@media (prefers-reduced-motion: reduce) {
  html {
    scroll-behavior: auto;
  }

  *,
  *::before,
  *::after {
    scroll-behavior: auto !important;
    transition-duration: 0.01ms !important;
  }
}


.language-tabs {
  display: inline-flex;
  align-items: center;
  gap: 2px;
  padding: 3px;
  border: 1px solid var(--line);
  border-radius: var(--radius-sm);
  background: var(--white);
}

.language-tabs label {
  display: grid;
  min-width: 34px;
  height: 34px;
  place-items: center;
  border-radius: 5px;
  color: var(--muted);
  cursor: pointer;
  font-size: 10px;
  font-weight: 800;
  transition: background .2s ease, color .2s ease;
}

.language-tabs label:hover {
  background: var(--ice);
  color: var(--navy-900);
}

#lang-en:checked ~ .site-shell label[for="lang-en"],
#lang-vi:checked ~ .site-shell label[for="lang-vi"],
#lang-es:checked ~ .site-shell label[for="lang-es"] {
  background: var(--navy-900);
  color: var(--white);
}

@media (max-width: 640px) {
  .language-tabs { padding: 2px; }
  .language-tabs label { min-width: 29px; height: 34px; font-size: 9px; }
}