/* Bowman Team at Green Home Loans — site styles */
@font-face{font-family:"Fraunces";src:url(/assets/fonts/fraunces-latin-wght-normal.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}
@font-face{font-family:"Fraunces";src:url(/assets/fonts/fraunces-latin-wght-italic.woff2) format("woff2");font-weight:100 900;font-style:italic;font-display:swap}
@font-face{font-family:"Inter";src:url(/assets/fonts/inter-latin-wght-normal.woff2) format("woff2");font-weight:100 900;font-style:normal;font-display:swap}

:root{
  /* Brand — sampled from the Green Home Loans + Bowman Team logos */
  --forest:#0f3b24;      /* deep green (derived) for text-on-light, dark panels */
  --forest-2:#15502f;
  --green:#209840;       /* GHL leaf green */
  --green-2:#28b050;
  --green-text:#176f33; /* AA-contrast green for small text/links */
  --leaf:#70b810;        /* GHL leaf mid */
  --lime:#b8f000;        /* GHL leaf highlight */
  --lime-soft:#dff5a6;
  --bowman-lime:#88c040; /* Bowman Team lime */
  --gray:#808080;        /* Bowman Team gray */
  --ink:#16201a;
  --text:#2c3530;
  --muted:#5d6862;
  --line:#e2e7e1;
  --bg:#ffffff;
  --bg-soft:#f3f6f1;
  --radius:18px;
  --radius-sm:10px;
  --shadow:0 10px 30px rgba(15,59,36,.08);
  --container:1200px;
  --header-h:76px;
  --serif:"Fraunces",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header-h) + 16px);-webkit-text-size-adjust:100%}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--text);background:var(--bg);-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--green-text);text-underline-offset:3px}
a:hover{color:var(--forest)}
:focus-visible{outline:3px solid var(--leaf);outline-offset:3px;border-radius:4px}
h1,h2,h3{color:var(--ink);margin:0 0 .5em;line-height:1.15}
p{margin:0 0 1em}
address{font-style:normal}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip-link{position:absolute;left:12px;top:-60px;z-index:1000;background:var(--forest);color:#fff;padding:10px 16px;border-radius:8px;text-decoration:none}
.skip-link:focus{top:12px;color:#fff}
.container{width:100%;max-width:var(--container);margin:0 auto;padding:0 24px}
.narrow{max-width:820px}
.center{text-align:center}
.small{font-size:.875rem}
.muted{color:var(--muted)}
.muted-light{color:rgba(255,255,255,.72)}
.display{font-family:var(--serif);font-weight:350;letter-spacing:-.02em;font-size:clamp(2.4rem,5.6vw,4.4rem);line-height:1.04;font-variation-settings:"opsz" 144}
.h1{font-family:var(--serif);font-weight:400;font-size:clamp(2rem,4vw,3rem);letter-spacing:-.015em}
.h2{font-family:var(--serif);font-weight:400;font-size:clamp(1.7rem,3.2vw,2.5rem);letter-spacing:-.015em}
.h3{font-family:var(--sans);font-weight:650;font-size:1.15rem;letter-spacing:-.005em}
.lead{font-size:1.2rem;color:var(--ink)}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.78rem;font-weight:650;letter-spacing:.12em;text-transform:uppercase;color:var(--green-text);margin-bottom:14px}
.eyebrow-light{color:var(--lime)}
.dot{width:8px;height:8px;border-radius:50%;background:var(--leaf);box-shadow:0 0 0 4px rgba(112,184,16,.18)}
.hint{font-weight:400;color:var(--muted);font-size:.85em}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:46px;padding:12px 22px;border-radius:999px;border:2px solid transparent;font:inherit;font-weight:650;font-size:.95rem;letter-spacing:.01em;text-decoration:none;cursor:pointer;transition:transform .15s ease,background-color .15s,color .15s,border-color .15s;white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btn-lg{min-height:54px;padding:14px 28px;font-size:1rem}
.btn-block{width:100%}
.btn-lime{background:var(--lime);color:var(--forest)}
.btn-lime:hover{background:#c9ff2e;color:var(--forest)}
.btn-dark{background:var(--forest);color:#fff}
.btn-dark:hover{background:var(--forest-2);color:#fff}
.btn-outline{border-color:var(--forest);color:var(--forest);background:transparent}
.btn-outline:hover{background:var(--forest);color:#fff}
.btn-ghost-light{border-color:rgba(255,255,255,.7);color:#fff;background:rgba(255,255,255,.06);backdrop-filter:blur(4px)}
.btn-ghost-light:hover{background:#fff;color:var(--forest)}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.center-row{justify-content:center}

/* Header */
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid transparent;transition:border-color .2s,box-shadow .2s}
.site-header.is-scrolled{border-color:var(--line);box-shadow:0 6px 20px rgba(15,59,36,.06)}
.header-inner{display:flex;align-items:center;gap:20px;min-height:var(--header-h)}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none;color:inherit;flex-shrink:0}
.brand-ghl{height:46px;width:auto}
.brand-divider{width:1px;height:34px;background:var(--line)}
.brand-team{display:flex;flex-direction:column;line-height:1.15}
.brand-team-name{font-weight:700;font-size:1.17rem;line-height:1.1;color:var(--gray);letter-spacing:.01em} /* one solid color = Bowman Team logo gray #808080; 18.7px bold qualifies as WCAG large text (3.9:1 passes) */
.brand-team-sub{font-size:.72rem;color:var(--muted)}
.site-nav{display:flex;align-items:center;gap:18px;margin-left:auto}
.site-nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0}
.site-nav ul a{display:block;padding:8px 12px;border-radius:999px;color:var(--ink);text-decoration:none;font-weight:550;font-size:.93rem}
.site-nav ul a:hover{background:var(--bg-soft);color:var(--forest)}
.site-nav ul a[aria-current="page"]{background:var(--forest);color:#fff}
.header-phone{display:inline-flex;align-items:center;gap:6px;color:var(--forest);font-weight:650;font-size:.93rem;text-decoration:none;white-space:nowrap}
.btn-apply{min-height:44px;padding:10px 20px;box-shadow:0 4px 14px rgba(112,184,16,.35)}
.nav-toggle{display:none;margin-left:auto;width:46px;height:46px;flex:0 0 46px;touch-action:manipulation;-webkit-tap-highlight-color:transparent;border-radius:12px;border:1px solid var(--line);background:#fff;cursor:pointer;position:relative}
.nav-toggle-bars,.nav-toggle-bars::before,.nav-toggle-bars::after{position:absolute;left:12px;right:12px;height:2px;background:var(--forest);border-radius:2px;content:"";transition:transform .2s}
.nav-toggle-bars{top:22px}.nav-toggle-bars::before{top:-7px;left:0;right:0}.nav-toggle-bars::after{top:7px;left:0;right:0}
.nav-toggle[aria-expanded="true"] .nav-toggle-bars{background:transparent}
.nav-toggle[aria-expanded="true"] .nav-toggle-bars::before{transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] .nav-toggle-bars::after{transform:translateY(-7px) rotate(-45deg)}
.mobile-apply{display:none}
@media (max-width:1180px){
  .header-inner{gap:14px}
  .site-nav{gap:12px}
  .site-nav ul a{padding:8px 9px}
}
@media (max-width:1080px){
  .header-phone{display:none}
  .brand-team-sub{display:none}
}
@media (max-width:940px){
  :root{--header-h:66px}
  .brand-ghl{height:38px}
  .brand-team-sub{display:none}
  .nav-toggle{display:block}
  .site-nav{position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;gap:12px;padding:16px 24px 24px;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 20px 30px rgba(15,59,36,.08);display:none}
  .site-nav.is-open{display:flex}
  .site-nav ul{flex-direction:column}
  .site-nav ul a{padding:12px 14px;font-size:1rem}
  .header-phone{display:inline-flex;padding:8px 14px}
  .mobile-apply{display:inline-flex;flex:0 0 auto;white-space:nowrap;min-height:44px;padding:8px 16px;font-size:.85rem;margin-left:auto}
  .brand{flex-shrink:1;min-width:0}
  .brand-team{min-width:0}
  .brand-team-name{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
  .header-inner{gap:12px}
  .nav-toggle{margin-left:0}
  .site-nav .btn-apply{display:none}
}
/* Small phones: the "Bowman Team" text label would squeeze the menu toggle off-screen (bug seen at 430px,
   iPhone Pro Max/Plus). Hide it at ≤540px (it must stay 1.17rem bold to pass AA as large text) so the Green Home Loans logo,
   Apply Now and the menu toggle always fit with 44px+ tap targets. */
@media (max-width:640px){ .brand{gap:10px} }
@media (max-width:540px){ .brand-divider,.brand-team{display:none} .brand-ghl{height:36px} }
@media (max-width:360px){ .header-inner{gap:8px} .mobile-apply{padding:8px 12px} .brand-ghl{height:32px} }

/* Hero */
.hero{padding:12px 12px 0}
.hero-frame{position:relative;border-radius:26px;overflow:hidden;min-height:min(88vh,820px);display:flex;flex-direction:column;justify-content:flex-end;isolation:isolate;background:var(--forest)}
.hero-page .hero-frame{min-height:min(62vh,560px)}
.hero-short .hero-frame{min-height:min(48vh,440px)}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.hero-bg-top{object-position:center 30%}
.hero-frame::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(9,36,21,.78) 0%,rgba(9,36,21,.45) 45%,rgba(9,36,21,.08) 75%),linear-gradient(0deg,rgba(9,36,21,.55) 0%,rgba(9,36,21,0) 45%)}
.hero-inner{position:relative;display:grid;grid-template-columns:180px 1fr;gap:40px;align-items:end;padding-top:120px;padding-bottom:56px;color:#fff}
.hero-page .hero-inner,.hero-short .hero-inner{grid-template-columns:1fr;padding-top:90px}
.hero-copy{max-width:720px}
.hero-copy .display{color:#fff}
.hero-sub{font-size:1.2rem;color:rgba(255,255,255,.9);max-width:560px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}
.hero-stat{align-self:center;display:flex;flex-direction:column;gap:6px;padding-left:16px;border-left:2px solid var(--lime)}
.hero-stat-num{font-family:var(--serif);font-size:3rem;line-height:1;color:var(--lime);font-weight:350}
.hero-stat-label{font-size:.85rem;color:rgba(255,255,255,.85);max-width:150px;line-height:1.35}
.hero-cards{display:grid;grid-template-columns:1.6fr 1fr;gap:14px;padding-bottom:24px}
.hero-card{display:flex;flex-direction:column;gap:10px;padding:26px 28px;border-radius:var(--radius);text-decoration:none;min-height:170px;transition:transform .2s}
.hero-card:hover{transform:translateY(-3px)}
.hero-card-lime{background:var(--lime-soft);color:var(--forest)}
.hero-card-lime:hover{color:var(--forest)}
.hero-card-icon{color:var(--green)}
.hero-card-title{font-family:var(--serif);font-size:1.55rem;line-height:1.2;max-width:520px}
.hero-card-link{margin-top:auto;font-weight:650;font-size:.9rem;text-decoration:underline;text-underline-offset:4px}
.hero-card-dark{background:rgba(15,59,36,.92);color:#fff;backdrop-filter:blur(6px)}
.hero-card-dark:hover{color:#fff}
.hero-card-kicker{font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.7);font-weight:650}
.rating{display:flex;align-items:baseline;gap:10px}
.rating-num{font-family:var(--serif);font-size:2.4rem;line-height:1;color:var(--lime)}
.stars{color:#f5b400;letter-spacing:2px;font-size:1.05rem}
.hero-card-text{font-size:.95rem}
@media (max-width:860px){
  .hero{padding:8px 8px 0}
  .hero-frame{border-radius:20px;min-height:auto}
  .hero-inner{grid-template-columns:1fr;gap:24px;padding-top:80px;padding-bottom:32px}
  .hero-stat{order:2;flex-direction:row;align-items:center;gap:12px}
  .hero-stat-num{font-size:2.2rem}
  .hero-stat-label{max-width:none}
  .hero-cards{grid-template-columns:1fr}
  .hero-card{min-height:auto;padding:22px}
  .hero-card-title{font-size:1.3rem}
  .hero-frame::before{background:linear-gradient(180deg,rgba(9,36,21,.35) 0%,rgba(9,36,21,.75) 60%,rgba(9,36,21,.9) 100%)}
}

/* Ticker */
.ticker-wrap{border-bottom:1px solid var(--line);min-height:46px;margin-top:12px;background:#fff}
.tv-embed{width:100%}

/* Sections */
.section{padding:clamp(56px,8vw,104px) 0}
.section-head{display:flex;align-items:flex-end;justify-content:space-between;gap:24px;margin-bottom:40px;flex-wrap:wrap}
.section-head .h2{margin:0;max-width:640px}
.section-lede{max-width:420px;color:var(--muted);margin:0}
.statement-text{font-family:var(--serif);font-size:clamp(1.6rem,3.4vw,2.6rem);line-height:1.25;color:var(--ink);font-weight:350;letter-spacing:-.01em;margin:6px 0 32px}
.statement-soft{color:#7d8881}

.help{background:var(--bg-soft)}
.help-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:center}
.help-media{margin:0;border-radius:var(--radius);overflow:hidden;aspect-ratio:4/5}
.help-media img{width:100%;height:100%;object-fit:cover}
.feature{display:grid;grid-template-columns:56px 1fr;gap:18px;padding:24px 0;border-top:1px solid var(--line)}
.feature:last-child{border-bottom:1px solid var(--line)}
.feature-num{font-family:var(--serif);font-size:1.6rem;color:var(--green)}
.feature p{margin:0;color:var(--muted)}
@media (max-width:860px){.help-grid{grid-template-columns:1fr;gap:32px}.help-media{aspect-ratio:16/10}}

.card-grid{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{display:flex;flex-direction:column;padding:28px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;transition:box-shadow .2s,transform .2s,border-color .2s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:#cfe3c4}
.card-icon{width:44px;height:44px;padding:9px;border-radius:12px;background:var(--lime-soft);color:var(--forest);margin-bottom:18px}
.card p{color:var(--muted);font-size:.95rem}
.card-link{margin-top:auto;font-weight:650;font-size:.9rem;color:var(--forest)}
@media (max-width:960px){.card-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){.card-grid{grid-template-columns:1fr}}

/* Calculator */
.calc-section{background:var(--bg-soft)}
.calc{display:grid;grid-template-columns:1.35fr 1fr;gap:18px}
.calc-inputs{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;display:grid;gap:18px}
.field{display:flex;flex-direction:column;gap:6px;min-width:0;flex:1}
.field-sm{flex:0 0 120px}
.field-row{display:flex;gap:16px}
label{font-weight:600;font-size:.9rem;color:var(--ink)}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;font-size:1rem;color:var(--ink);padding:12px 14px;border:1.5px solid #cfd8d1;border-radius:var(--radius-sm);background:#fff;transition:border-color .15s,box-shadow .15s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--green);box-shadow:0 0 0 4px rgba(32,152,64,.15)}
.input-affix{display:flex;align-items:center;border:1.5px solid #cfd8d1;border-radius:var(--radius-sm);background:#fff;transition:border-color .15s,box-shadow .15s}
.input-affix:focus-within{border-color:var(--green);box-shadow:0 0 0 4px rgba(32,152,64,.15)}
.input-affix span{padding:0 0 0 14px;color:var(--muted);font-weight:600}
.input-affix.affix-end span{padding:0 14px 0 0}
.input-affix input{border:0;box-shadow:none!important;padding-left:8px}
.affix-end input{padding-left:14px}
.calc-error{color:#a3261b;font-size:.9rem;margin:0}
.calc-results{background:var(--forest);color:#fff;border-radius:var(--radius);padding:30px;display:flex;flex-direction:column}
.calc-label{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.72);font-weight:650;margin:0}
.calc-total{font-family:var(--serif);font-size:clamp(2.6rem,5vw,3.6rem);color:var(--lime);line-height:1.1;margin:6px 0 18px}
.calc-breakdown{margin:0 0 24px;display:grid;gap:10px}
.calc-breakdown div{display:flex;justify-content:space-between;gap:12px;font-size:.95rem;border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:10px}
.calc-breakdown dt{color:rgba(255,255,255,.8)}
.calc-breakdown dd{margin:0;font-weight:650}
.calc-sep{margin-top:6px}
.calc-results .btn{margin-top:auto}
.disclaimer{font-size:.8rem;line-height:1.55;color:var(--muted);margin-top:18px;max-width:980px}
@media (max-width:860px){.calc{grid-template-columns:1fr}.field-row{flex-direction:column}.field-sm{flex:1}}

/* Reviews */
.g-summary{display:flex;align-items:center;gap:12px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:12px 18px}
.g-summary .rating-num{font-size:1.6rem;color:var(--forest)}
.review-grid{list-style:none;margin:0;padding:0;columns:3 300px;column-gap:18px}
.review{break-inside:avoid;margin:0 0 18px;padding:24px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.review-head{display:flex;align-items:center;gap:12px;margin-bottom:12px}
.review-head .stars{margin-left:auto;font-size:.9rem}
.avatar{width:40px;height:40px;border-radius:50%;display:grid;place-items:center;background:var(--lime-soft);color:var(--forest);font-weight:700;flex-shrink:0}
.review-name{margin:0;font-weight:650;color:var(--ink);line-height:1.2}
.review-date{margin:0;font-size:.8rem;color:var(--muted)}
.review blockquote{margin:0}
.review blockquote p{margin:0;font-size:.95rem}
.review.is-clamped blockquote p{display:-webkit-box;-webkit-line-clamp:6;-webkit-box-orient:vertical;overflow:hidden}
.review-more{margin-top:8px;background:none;border:0;padding:0;font:inherit;font-size:.88rem;font-weight:650;color:var(--green-text);cursor:pointer;text-decoration:underline;text-underline-offset:3px}
.reviews-foot{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin-top:18px}
.reviews-foot p{margin:0;max-width:520px}

.rates-teaser{padding-top:0}
.rt-grid{display:flex;align-items:center;justify-content:space-between;gap:32px;padding:40px;border-radius:var(--radius);background:linear-gradient(120deg,var(--lime-soft),#f2fbe0)}
.rt-grid p{margin:0;max-width:640px}
@media (max-width:760px){.rt-grid{flex-direction:column;align-items:flex-start;padding:28px}}

/* CTA band */
.cta-band{position:relative;margin:0 12px 12px;border-radius:26px;overflow:hidden;isolation:isolate;color:#fff}
.cta-band picture,.cta-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.cta-band::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(9,36,21,.85),rgba(9,36,21,.35))}
.cta-inner{display:flex;align-items:flex-end;justify-content:space-between;gap:32px;padding-top:110px;padding-bottom:56px;flex-wrap:wrap}
.cta-inner .display{color:#fff;font-size:clamp(2rem,4.4vw,3.4rem);max-width:640px}
.cta-sub{color:rgba(255,255,255,.88);max-width:520px;margin:0}
.cta-actions{display:flex;gap:12px;flex-wrap:wrap}

/* About */
.about-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:64px;align-items:start}
.about-photo{margin:0;position:sticky;top:calc(var(--header-h) + 24px);background:linear-gradient(180deg,var(--lime-soft),#eef7df);border-radius:var(--radius);overflow:hidden;padding:32px 0 0 32px;display:flex;justify-content:flex-end}
.about-photo img{max-height:580px;width:auto;margin-right:0}
.about-photo figcaption{position:absolute;left:16px;right:16px;bottom:16px;background:rgba(15,59,36,.92);color:#fff;border-radius:14px;padding:14px 18px;display:flex;flex-direction:column}
.about-photo figcaption span{font-size:.85rem;color:rgba(255,255,255,.8)}
.facts{list-style:none;margin:32px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.facts > li{padding:18px;border:1px solid var(--line);border-radius:14px;display:flex;flex-direction:column;gap:4px}
.fact-num{font-family:var(--serif);font-size:1.8rem;color:var(--green);line-height:1.1}
.fact-label{font-size:.85rem;color:var(--muted);line-height:1.4}
.fact-states .fact-num{font-size:1.25rem;color:var(--green-text)}
.state-list{list-style:none;margin:4px 0 0;padding:0;display:flex;flex-direction:column;gap:4px}
.state-list li{display:flex;align-items:baseline;gap:8px;padding:0;border:0;font-size:.85rem;color:var(--muted);line-height:1.35;min-width:0}
.state-list abbr{font-family:var(--serif);font-size:1.15rem;color:var(--green-text);text-decoration:none;min-width:2.1em}
.state-list span{overflow-wrap:anywhere}
.approach{background:var(--bg-soft)}
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.step-num{display:inline-block;font-family:var(--serif);font-size:1.5rem;color:var(--green);margin-bottom:14px}
.step p{color:var(--muted);margin:0}
.brand-grid{display:grid;grid-template-columns:.7fr 1.3fr;gap:56px;align-items:center}
.brand-grid img{max-width:340px;margin:0 auto}
.big-quote{margin:0 0 28px}
.big-quote p{font-family:var(--serif);font-size:clamp(1.5rem,3vw,2.2rem);line-height:1.3;color:var(--ink);font-weight:350}
.big-quote footer{color:var(--muted);font-size:.9rem}
.quote-band{background:var(--bg-soft);padding-top:clamp(56px,8vw,96px)}
@media (max-width:900px){
  .about-grid,.brand-grid{grid-template-columns:1fr;gap:36px}
  .about-photo{position:relative;top:0;max-width:440px}
  .steps{grid-template-columns:1fr}
  .facts{grid-template-columns:1fr}
}

/* Loan programs */
.chip-nav{display:flex;flex-wrap:wrap;gap:10px;padding-top:28px}
.chip-nav a{padding:9px 16px;border-radius:999px;border:1px solid var(--line);color:var(--forest);text-decoration:none;font-weight:600;font-size:.9rem;background:#fff}
.chip-nav a:hover{background:var(--lime-soft);border-color:#cfe3c4}
.programs{padding-top:40px}
.program-list{display:grid;gap:18px}
.program{display:grid;grid-template-columns:90px 1fr;gap:24px;padding:36px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
.program:nth-child(odd){background:var(--bg-soft)}
.program-tag{font-family:var(--serif);font-size:2rem;color:var(--green);line-height:1}
.program-body p{max-width:760px}
.checks{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.checks li{position:relative;padding-left:30px;color:var(--muted);font-size:.95rem}
.checks li::before{content:"";position:absolute;left:0;top:4px;width:18px;height:18px;border-radius:50%;background:var(--lime-soft) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23209840' d='M9.5 16.2 5.3 12l-1.4 1.4 5.6 5.6 12-12-1.4-1.4z'/%3E%3C/svg%3E") center/12px no-repeat}
.notsure{display:flex;align-items:center;justify-content:space-between;gap:32px;flex-wrap:wrap}
.notsure p{max-width:620px;color:var(--muted)}
.notsure .btn-row{margin-top:0}
@media (max-width:700px){.program{grid-template-columns:1fr;gap:8px;padding:26px}}

/* Rates */
.rates-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:18px;align-items:start}
.panel{border:1px solid var(--line);border-radius:var(--radius);padding:28px;background:#fff}
.tv-overview{height:420px}
.mnd-wrap{min-height:120px;border-radius:12px;overflow:hidden;background:var(--bg-soft);position:relative}
.mnd-wrap iframe{transform-origin:top left;max-width:none!important}
.widget-credit{font-size:.78rem;color:var(--muted);margin:10px 0 0}
.rates-grid>*{min-width:0}
@media (max-width:960px){.rates-grid{grid-template-columns:minmax(0,1fr)}}

/* Contact */
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:24px;align-items:start}
.contact-card{position:sticky;top:calc(var(--header-h) + 24px);border-radius:var(--radius);background:var(--bg-soft);padding:28px;border:1px solid var(--line)}
.contact-photo{width:112px;height:112px;object-fit:cover;object-position:top;border-radius:50%;background:var(--lime-soft);margin-bottom:16px}
.contact-list{list-style:none;margin:20px 0 24px;padding:0;display:grid;gap:16px}
.contact-list li{display:flex;flex-direction:column}
.cl-label{font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:650}
.contact-list a{font-weight:600;color:var(--forest)}
.form-card{border:1px solid var(--line);border-radius:var(--radius);padding:clamp(24px,4vw,40px);background:#fff}
.contact-form{display:grid;gap:18px;margin-top:20px}
textarea{resize:vertical;min-height:140px}
.req{color:#a3261b}
.check{flex-direction:row;align-items:flex-start;gap:12px}
.check input{width:22px;height:22px;margin-top:2px;flex-shrink:0;accent-color:var(--green)}
.check label{font-weight:400;font-size:.88rem;color:var(--text);line-height:1.5}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.field.has-error input,.field.has-error textarea{border-color:#a3261b}
.field-error{color:#a3261b;font-size:.82rem;font-weight:600}
.form-status{padding:14px 18px;border-radius:12px;font-weight:600;margin-top:16px}
.form-status.ok{background:#e7f6df;color:var(--forest);border:1px solid #bfe3a9}
.form-status.err{background:#fdecea;color:#8a1f15;border:1px solid #f3c1bb}
.contact-form button[disabled]{opacity:.6;cursor:progress}
@media (max-width:900px){.contact-grid{grid-template-columns:1fr}.contact-card{position:relative;top:0}}

/* Legal pages */
.page-legal main{background:#fff}
.legal-page{padding-top:64px}
.prose h2{margin-top:1.8em}
.prose p{max-width:72ch}
.lic-list{display:grid;grid-template-columns:220px 1fr;gap:10px 20px;margin:0 0 24px;padding:20px;border:1px solid var(--line);border-radius:14px}
.lic-list dt{font-weight:650;color:var(--ink)}
.lic-list dd{margin:0;color:var(--muted)}
@media (max-width:600px){.lic-list{grid-template-columns:1fr}.lic-list dd{margin-bottom:10px}}

/* Footer */
.site-footer{background:var(--forest);color:rgba(255,255,255,.86);margin-top:0}
.cta-band + .site-footer, main:has(> .cta-band:last-child) + .site-footer{margin-top:0}
.site-footer a{color:#fff}
.site-footer a:hover{color:var(--lime)}
.footer-top{display:grid;grid-template-columns:1.5fr 1fr 1.1fr 1.2fr;gap:40px;padding-top:64px;padding-bottom:48px}
.footer-logos{display:flex;align-items:center;gap:20px;margin-bottom:18px}
.footer-ghl{width:220px}
.footer-bowman{width:92px;opacity:.95}
.footer-blurb{font-size:.92rem;max-width:380px}
.footer-h{font-family:var(--sans);font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;color:var(--lime);margin-bottom:14px}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:8px;font-size:.93rem}
.footer-col a{text-decoration:none}
.footer-col a:hover{text-decoration:underline}
.footer-lic{font-size:.88rem;line-height:1.55;margin-bottom:14px}
.footer-legal{border-top:1px solid rgba(255,255,255,.12);background:#0b2e1c}
.legal-inner{display:grid;grid-template-columns:250px 1fr;gap:32px;padding-top:32px;padding-bottom:32px;align-items:start}
.legal-logos{display:flex;align-items:center;gap:20px}
.ehl{width:150px;max-width:none}
.nmls-link{display:block;flex-shrink:0}.nmls-link img{width:64px;max-width:none}
.legal-text p{font-size:.8rem;line-height:1.6;color:rgba(255,255,255,.78);margin-bottom:10px}
.legal-links{display:flex;flex-wrap:wrap;gap:6px 18px}
.legal-links a{color:#fff}
@media (max-width:980px){.footer-top{grid-template-columns:1fr 1fr}.legal-inner{grid-template-columns:1fr}}
@media (max-width:600px){.footer-top{grid-template-columns:1fr;gap:28px}}

@media print{.site-header,.ticker-wrap,.cta-band,.nav-toggle{display:none}.hero-frame{min-height:auto}}

/* Overflow guards for narrow screens */
.about-grid>*,.brand-grid>*,.contact-grid>*,.help-grid>*,.calc>*{min-width:0}
.brand-grid img{width:min(340px,100%)}
@media (max-width:400px){
  .form-card{padding:20px 16px}
  .g-recaptcha{transform:scale(.86);transform-origin:0 0;height:68px}
}
.site-footer .btn-lime,.site-footer .btn-lime:hover{color:var(--forest)}
.ti-embed{min-height:220px}