/* ============ uSave Mortgage — shared site styles ============ */
:root{
  --cream:#f7f1e5;--cream-2:#f0e7d6;--card:#fff;--sand:#efe3cf;
  --ink:#16233f;--ink-2:#33405c;--navy:#12285a;--navy-deep:#0e2049;
  --orange:#ec9114;--orange-hi:#f6a41f;--orange-soft:#fbecd2;--orange-deep:#c9760c;
  --muted:#5c6577;--dim:#8a93a4;--line:#e9e0cf;--line-2:#ded2bd;--maxw:1180px;
  --shadow-sm:0 1px 2px rgba(30,24,12,.05),0 6px 16px rgba(30,24,12,.06);
  --shadow:0 2px 6px rgba(30,24,12,.06),0 14px 34px rgba(30,24,12,.1);--e:cubic-bezier(.16,1,.3,1);
  --grain:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='160' height='160'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='0.85' numOctaves='3' stitchTiles='stitch'/%3E%3CfeColorMatrix type='saturate' values='0'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E");
}
*{margin:0;padding:0;box-sizing:border-box;-webkit-font-smoothing:antialiased;}
html{scroll-behavior:smooth;overflow-x:hidden;}
body{font-family:'Satoshi',system-ui,sans-serif;background:var(--cream);color:var(--ink-2);line-height:1.6;overflow-x:hidden;}
h1,h2,h3,h4{font-family:'Newsreader',Georgia,serif;color:var(--ink);letter-spacing:-.004em;line-height:1.1;font-weight:500;}
a{color:inherit;text-decoration:none;}img{display:block;max-width:100%;}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 26px;}
.eyebrow{font-family:'Newsreader',serif;font-style:italic;color:var(--orange-deep);font-size:17px;}
.btn{display:inline-flex;align-items:center;gap:10px;box-sizing:border-box;font-family:'Satoshi',sans-serif;font-weight:600;font-size:16px;padding:15px 26px;border-radius:12px;cursor:pointer;border:0;transition:transform .15s,box-shadow .15s,background .2s,color .2s,border-color .2s;}
/* Transparent outline-glass primary (option C) — fills in on hover */
.btn-primary{background:rgba(236,145,20,.08);border:1.6px solid var(--orange);color:var(--orange-deep);backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px);box-shadow:0 6px 16px rgba(201,118,12,.12);}
.btn-primary:hover{background:var(--orange);color:#fff;transform:translateY(-2px);box-shadow:0 12px 26px rgba(201,118,12,.30);}
.ctaband .btn-primary{color:#fff;border-color:var(--orange-hi);background:rgba(236,145,20,.16);}
.ctaband .btn-primary:hover{background:var(--orange);color:#fff;}
.btn-ghost{background:transparent;color:var(--ink);border:1.5px solid var(--line-2);}
.btn-ghost:hover{border-color:var(--orange);color:var(--orange-deep);}
.pad{padding:64px 0;}
.shead{max-width:720px;margin:0 auto 40px;text-align:center;}
.shead h2{font-size:clamp(28px,4.2vw,44px);margin-top:12px;}
.shead p{margin-top:14px;color:var(--muted);font-size:18px;}

/* announcement + nav */
.annc{position:relative;overflow:hidden;display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:6px 11px;text-align:center;background:linear-gradient(90deg,var(--navy-deep),#132a58 50%,var(--navy-deep));color:#fff;font-size:13px;font-weight:500;padding:11px 16px;}
.annc::before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,transparent 35%,rgba(242,166,58,.55) 50%,transparent 65%);transform:translateX(-110%);animation:glint 7s ease-in-out infinite;pointer-events:none;}
@keyframes glint{0%,10%{transform:translateX(-110%)}60%,100%{transform:translateX(110%)}}
.annc>*{position:relative;z-index:1;}
.annc .di{color:#3ad07f;font-size:11px;}
.annc b{font-weight:600;text-decoration:underline;text-underline-offset:3px;text-decoration-thickness:1px;text-decoration-color:rgba(255,255,255,.5);white-space:nowrap;}
nav.bar{position:sticky;top:0;z-index:100;background:rgba(247,241,229,.86);backdrop-filter:blur(14px);border-bottom:1px solid var(--line);transition:background .3s;}
nav.bar.solid{background:rgba(247,241,229,.97);box-shadow:0 6px 24px rgba(30,24,12,.07);}
nav.bar .wrap{display:flex;align-items:center;justify-content:space-between;height:74px;}
.brand img{height:42px;}
.navlinks{display:flex;align-items:center;gap:26px;font-weight:500;font-size:15px;color:var(--ink-2);}
.navlinks a{position:relative;padding:4px 0;}
.navlinks a:hover,.navlinks a.on{color:var(--orange-deep);}
.nav-cta{display:flex;align-items:center;gap:14px;}
.nav-cta .call{font-family:'Newsreader',serif;font-weight:600;color:var(--ink);font-size:16px;}
.hamb{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:6px;}
.hamb span{width:24px;height:2px;background:var(--ink);border-radius:2px;}
.navcall{display:none;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:rgba(236,145,20,.12);color:var(--orange-deep);}
.navcall svg{width:19px;height:19px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;}
@media(max-width:1000px){.navlinks{display:none;position:absolute;top:74px;left:0;right:0;background:var(--cream);flex-direction:column;padding:16px 26px;gap:14px;border-bottom:1px solid var(--line);box-shadow:var(--shadow);}.navlinks.open{display:flex;}.nav-cta .call{display:none;}.hamb{display:flex;}.navcall{display:flex;}}

/* page hero */
.phero{position:relative;overflow:hidden;background:radial-gradient(120% 90% at 80% 0,#fff,var(--sand) 70%,#ece1cd);border-bottom:1px solid var(--line);}
.phero .wrap{position:relative;z-index:2;padding:70px 26px 64px;display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center;}
.phero h1{font-size:clamp(34px,5vw,56px);}
.phero h1 .u{color:var(--orange-deep);font-style:italic;}
.phero p{margin-top:18px;color:var(--ink-2);font-size:19px;max-width:520px;}
.phero .cta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px;}
.phero .pimg{border-radius:18px;overflow:hidden;box-shadow:var(--shadow);}
.phero .pimg img{width:100%;height:100%;object-fit:cover;min-height:320px;}
@media(max-width:860px){.phero .wrap{grid-template-columns:1fr;gap:28px;}.phero .pimg{display:none;}}

/* content blocks */
.rich{max-width:820px;margin:0 auto;}
.rich .block{margin-bottom:34px;}
.rich h3{font-size:26px;margin-bottom:10px;}
.rich p{font-size:17px;color:var(--ink-2);margin-bottom:12px;}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;}
.split .txt h2{font-size:clamp(26px,3.6vw,38px);}
.split .txt p{margin-top:14px;color:var(--ink-2);font-size:17px;}
.split .fig{border-radius:18px;overflow:hidden;box-shadow:var(--shadow);}
.split .fig img{width:100%;height:100%;object-fit:cover;min-height:340px;}
@media(max-width:840px){.split{grid-template-columns:1fr;gap:26px;}}

/* feature cards */
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;}
.fcard{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:28px;box-shadow:var(--shadow-sm);}
.fcard .ic{width:50px;height:50px;border-radius:12px;background:var(--orange-soft);display:flex;align-items:center;justify-content:center;margin-bottom:16px;}
.fcard .ic svg{width:26px;height:26px;stroke:var(--orange-deep);fill:none;stroke-width:2;}
.fcard h3{font-size:22px;margin-bottom:8px;}
.fcard p{font-size:15px;color:var(--muted);}
@media(max-width:840px){.cards3{grid-template-columns:1fr;}}

/* accordion (loan programs) */
.acc{max-width:860px;margin:0 auto;}
.acc details{background:var(--card);border:1px solid var(--line);border-radius:14px;margin-bottom:14px;overflow:hidden;box-shadow:var(--shadow-sm);}
.acc summary{cursor:pointer;list-style:none;padding:22px 26px;display:flex;align-items:center;gap:16px;}
.acc summary::-webkit-details-marker{display:none;}
.acc summary .aic{width:42px;height:42px;border-radius:11px;background:linear-gradient(180deg,#16305f,var(--navy-deep));display:flex;align-items:center;justify-content:center;flex:0 0 auto;}
.acc summary .aic svg{width:20px;height:20px;stroke:var(--orange-hi);fill:none;stroke-width:1.8;}
.acc summary .at{flex:1;}
.acc summary .at b{font-family:'Newsreader',serif;font-weight:600;color:var(--ink);font-size:20px;display:block;}
.acc summary .at small{color:var(--muted);font-size:13.5px;}
.acc summary .plus{color:var(--orange-deep);font-size:26px;transition:transform .2s;flex:0 0 auto;}
.acc details[open] summary .plus{transform:rotate(45deg);}
.acc .body{padding:0 26px 26px;color:var(--ink-2);font-size:15.5px;}
.acc .body p{margin-bottom:12px;}
.acc .body h4{font-family:'Satoshi',sans-serif;font-weight:700;color:var(--ink);font-size:14px;letter-spacing:.02em;text-transform:uppercase;margin:16px 0 8px;}
.acc .body ul{list-style:none;display:flex;flex-direction:column;gap:8px;}
.acc .body li{display:flex;gap:10px;align-items:flex-start;}
.acc .body li svg{width:17px;height:17px;flex:0 0 auto;margin-top:3px;stroke:var(--orange);fill:none;stroke-width:2.4;}
.acc .body li b{color:var(--ink);}

/* CTA band */
.ctaband{position:relative;overflow:hidden;}
.ctaband .bg{position:absolute;inset:0;}
.ctaband .bg img{width:100%;height:100%;object-fit:cover;object-position:center 55%;}
.ctaband .bg::after{content:"";position:absolute;inset:0;background:linear-gradient(115deg,rgba(9,18,38,.92),rgba(9,18,38,.6));}
.ctaband .wrap{position:relative;z-index:2;padding:64px 26px;text-align:center;color:#fff;}
.ctaband h2{color:#fff;font-size:clamp(28px,4vw,44px);}
.ctaband p{color:#d8e0f0;margin:14px auto 26px;font-size:18px;max-width:520px;}

/* contact */
.cgrid{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start;}
.cinfo .row{display:flex;gap:14px;align-items:flex-start;margin-bottom:20px;}
.cinfo .row .ic{width:44px;height:44px;border-radius:11px;background:var(--orange-soft);display:flex;align-items:center;justify-content:center;flex:0 0 auto;}
.cinfo .row .ic svg{width:20px;height:20px;stroke:var(--orange-deep);fill:none;stroke-width:2;}
.cinfo .row b{color:var(--ink);display:block;font-family:'Newsreader',serif;font-size:18px;}
.cinfo .row a,.cinfo .row span{color:var(--muted);}
.cform{background:var(--card);border:1px solid var(--line);border-radius:18px;padding:32px;box-shadow:var(--shadow);}
.cform label{font-size:13.5px;color:var(--ink-2);font-weight:600;display:block;margin-bottom:7px;}
.cform input,.cform select,.cform textarea{width:100%;background:var(--cream);border:1px solid var(--line-2);border-radius:11px;color:var(--ink);font-size:16px;padding:13px 15px;outline:none;font-family:'Satoshi',sans-serif;margin-bottom:16px;}
.cform textarea{min-height:110px;resize:vertical;}
.cform .btn{width:100%;justify-content:center;}
@media(max-width:800px){.cgrid{grid-template-columns:1fr;gap:26px;}}

/* footer */
footer{background:var(--navy-deep);color:#aebbd4;padding:56px 0 36px;font-size:14px;}
.foot-top{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:34px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.1);}
.foot-top .chip{background:#fff;border-radius:10px;padding:8px 12px;display:inline-flex;}
.foot-top .chip img{height:34px;}
.foot-col h5{color:#fff;font-family:'Newsreader',serif;font-weight:600;margin-bottom:14px;font-size:17px;}
.foot-col a{display:block;margin-bottom:9px;color:#aebbd4;}
.foot-col a:hover{color:#fff;}
.legal{display:flex;gap:20px;align-items:flex-start;padding-top:26px;font-size:12.5px;color:#7f8caa;line-height:1.6;}
.legal .eho{width:44px;height:44px;flex:0 0 auto;}
.legal a{color:#aebbd4;text-decoration:underline;}
@media(max-width:820px){.foot-top{grid-template-columns:1fr 1fr;}.foot-top .brandcol{grid-column:1/-1;}}
.reveal{opacity:0;transform:translateY(26px);transition:opacity .8s var(--e),transform .8s var(--e);}
.reveal.in{opacity:1;transform:none;}