/* Split hero + form layout overrides */
.form-section {
    width: 100%;
    margin: 0;
    padding: 0;
}

.split-left {
    background: #247044;
}

.split-copy h2 {
    color: #ffffff;
}

.split-copy p {
    color: #ffffff;
}

@media (min-width: 992px) {
    .split-copy {
        max-width: 555px;
    }

    .split-copy h2 {
        color: #ffffff;
        font-family: 'Mulish', sans-serif;
        font-size: 84px;
        line-height: 1.05;
        font-weight: 700;
    }
}

.split-right {
    background: #fffbf1;
}

.form-shell {
    width: min(100%, 640px);
    background: #fffbf1;
}

.form-container,
#loan-form-container,
.form-shell .main-form {
    background: #fffbf1 !important;
}

/* Form container (main-form from index) - keep min-height/width when form-shell removed */
#loan-form-container.main-form {
    position: relative;
    min-height: 500px;
    width: min(100%, 640px);
    max-width: 100%;
    margin: 0;
}

form#omForm.omForm-wrapper {
    background-color: #fffbf1 !important;
}

/* Single-column (collapsed): green behind; only the form card is cream (#fffbf1) */
@media (max-width: 991.98px) {
    .form-section,
    .split-right {
        background: #247044 !important;
    }
    #loan-form-container,
    #loan-form-container.main-form {
        background: transparent !important;
    }
    /* form#omForm.omForm-wrapper keeps #fffbf1 from default - only that area is cream */
}

@media (min-width: 768px) and (max-width: 899px) {
    main > section:not(.form-section) {
        margin-left: 111px;
        margin-right: 111px;
    }

    .trust-strip {
        box-shadow: 0 0 0 111px #eef0f4;
        clip-path: inset(0 -111px);
    }

    .info-copy h3 {
        margin: 0 0 26px;
        font-size: 42px;
    }
}

.trust-strip {
    background: #eef0f4;
    border-top: 1px solid #d9dee7;
    border-bottom: 1px solid #d9dee7;
    padding: 30px 1rem;
}

.trust-strip-inner {
    max-width: 980px;
    margin: 0 auto;
    display: flex;
    flex-direction: column;
    gap: 0.75rem;
}

.trust-item {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    color: #1f2937;
    font-size: 1.35rem;
    font-weight: 500;
}

.trust-icon {
    width: 2.25rem;
    height: 2.25rem;
    border-radius: 999px;
    background: #247044;
    color: #ffffff;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    font-size: 1.1rem;
    line-height: 1;
    font-weight: 700;
}

.trust-text {
    color: #1f2937;
    font-size: 1.45rem;
    line-height: 1.2;
}

@media (min-width: 900px) {
    .trust-strip-inner {
        flex-direction: row;
        justify-content: space-between;
        align-items: center;
        gap: 1.25rem;
    }
}

.info-grid-section {
    background: #ffffff;
    padding: 0;
}

.info-grid-inner {
    max-width: 100%;
    margin: 0 auto;
    display: grid;
    gap: 0;
}

.info-row {
    display: grid;
    grid-template-columns: 1fr;
    gap: 0;
    align-items: stretch;
}

.info-icon-card {
    min-height: 170px;
    border-radius: 0;
    background: #DCFFDB;
    display: flex;
    align-items: center;
    justify-content: center;
    color: #247044;
    font-size: 3rem;
}

.info-icon-card img {
    width: min(42%, 140px);
    max-height: 100px;
    object-fit: contain;
    display: block;
}

.info-copy {
    padding: 0.75rem 1rem 1.5rem;
    display: flex;
    flex-direction: column;
    justify-content: center;
}

.info-copy h3 {
    margin: 0 0 10px;
    color: #212529;
    font-family: 'Mulish', sans-serif;
    font-size: 24px;
    line-height: 1.2;
    font-weight: 700;
}

.info-copy p {
    margin: 0;
    color: #575A69;
    font-family: 'Mulish', sans-serif;
    font-size: 16px;
    line-height: 1.45;
}

@media (min-width: 900px) {
    .info-grid-section {
        padding: 3.5rem 1rem 4.25rem;
    }

    .info-grid-inner {
        max-width: 1020px;
        gap: 2rem;
    }

    .info-row {
        grid-template-columns: minmax(320px, 46%) 1fr;
        gap: 2.2rem;
    }

    .info-copy h3 {
        margin: 0 0 26px;
        font-size: 42px;
    }

    .info-icon-card {
        min-height: 215px;
        border-radius: 8px;
        font-size: 3.2rem;
    }

    .info-icon-card img {
        width: min(48%, 160px);
        max-height: 120px;
    }

    .info-copy {
        padding: 0;
    }
}

.cta-banner-section {
    padding: 0 1rem 3rem;
    background: #ffffff;
}

.cta-banner {
    max-width: 1020px;
    margin: 0 auto;
    background: #247044;
    border-radius: 12px;
    padding: 2.9rem 2.5rem;
    display: flex;
    flex-direction: column;
    gap: 1.25rem;
    align-items: center;
    text-align: center;
}

.cta-copy {
    text-align: center;
}

.cta-copy h2 {
    margin: 0;
    color: #ffffff;
    font-family: 'Mulish', sans-serif;
    font-size: clamp(2rem, 5vw, 4rem);
    line-height: 1.05;
    font-weight: 700;
}

.cta-copy p {
    margin: 0.35rem 0 0;
    color: #e8efff;
    font-family: 'Mulish', sans-serif;
    font-size: clamp(1.5rem, 3.5vw, 2.8rem);
    line-height: 1.1;
}

.cta-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-width: 300px;
    padding: 0.95rem 2rem;
    border-radius: 999px;
    background: #ffffff;
    color: #247044;
    font-family: 'Mulish', sans-serif;
    font-size: 1.55rem;
    font-weight: 700;
    text-decoration: none;
    letter-spacing: 0.02em;
}

.cta-button:hover {
    background: #f3f6ff;
}

.cta-fees {
    max-width: 1020px;
    margin: 0.75rem auto 0;
    background: #DCFFDB;
    border-radius: 10px;
    padding: 0.9rem 1.25rem;
    display: flex;
    flex-direction: column;
    gap: 0.6rem;
}

.cta-fee-item {
    color: #212529;
    font-family: 'Mulish', sans-serif;
    font-size: 16px;
    font-weight: 600;
    display: flex;
    align-items: center;
    gap: 0.6rem;
}

.cta-fee-item span {
    color: #247044;
    font-size: 1.25rem;
}

@media (min-width: 900px) {
    .cta-banner-section {
        padding: 0 1rem 3.6rem;
    }

    .cta-banner {
        flex-direction: row;
        align-items: center;
        justify-content: space-between;
        padding: 3.25rem 3.4rem;
        text-align: left;
    }

    .cta-copy {
        max-width: 52%;
        text-align: left;
    }

    .cta-fees {
        flex-direction: row;
        justify-content: space-around;
        align-items: center;
        gap: 1rem;
        padding: 1rem 1.5rem;
    }
}

.quote-feature-section {
    background: #ffffff;
    padding: 0 0 3rem;
}

.quote-feature-inner {
    max-width: none;
    width: 100%;
    margin: 0;
    display: grid;
    grid-template-columns: 1fr;
}

.quote-feature-copy {
    background: #f1f3f8;
    padding: 1.8rem 1.6rem 2rem;
}

.quote-mark {
    color: #247044;
    font-size: 3rem;
    line-height: 1;
    margin-bottom: 1.1rem;
}

.quote-feature-copy h3 {
    margin: 0 0 0.7rem;
    color: #247044;
    font-family: 'Mulish', sans-serif;
    font-size: clamp(1.8rem, 4.5vw, 3rem);
    line-height: 1.15;
    font-weight: 700;
}

.quote-feature-copy h4 {
    margin: 0 0 0.7rem;
    color: #1f2937;
    font-family: 'Mulish', sans-serif;
    font-size: clamp(1.15rem, 3vw, 2rem);
    line-height: 1.2;
    font-weight: 700;
}

.quote-feature-copy p {
    margin: 0;
    color: #212529;
    font-family: 'Mulish', sans-serif;
    font-size: 16px;
    line-height: 1.4;
    max-width: 620px;
}

.quote-feature-image {
    min-height: 0;
    aspect-ratio: 1200 / 720;
    overflow: hidden;
}

.quote-feature-image img {
    width: 100%;
    height: 100%;
    object-fit: cover;
    display: block;
}

@media (min-width: 900px) {
    .quote-feature-section {
        padding: 0 0 3.25rem;
    }

    .quote-feature-inner {
        grid-template-columns: 57% 43%;
    }

    .quote-feature-copy {
        padding: 1.4rem 3.5rem 1.4rem max(15px, calc((100vw - 1140px) / 2 + 15px));
        display: flex;
        flex-direction: column;
        justify-content: center;
    }

    .quote-feature-copy h3 {
        margin: 0 0 24px;
        max-width: 555px;
        color: #247044;
        font-family: 'Mulish', sans-serif;
        font-size: 42px;
        line-height: 1.2;
    }

    .quote-feature-copy h4 {
        margin: 0 0 24px;
        max-width: 555px;
        color: #212529;
        font-family: 'Mulish', sans-serif;
        font-size: 28px;
        line-height: 1.2;
    }

    .quote-feature-copy p {
        margin: 0;
        padding: 0 0 24px;
        max-width: 555px;
        color: #212529;
        font-family: 'Mulish', sans-serif;
        font-size: 20px;
        line-height: 1.5;
    }

    .quote-feature-image {
        min-height: 0;
    }
}

.simple-steps-section {
    background: #ffffff;
    padding: 0 1rem 3.5rem;
}

.simple-steps-card {
    max-width: 1020px;
    margin: 0 auto;
    background: #DCFFDB;
    border-radius: 12px;
    padding: 2.1rem 1.2rem 2.2rem;
    text-align: center;
}

.simple-steps-card h2 {
    margin: 0;
    color: #121826;
    font-family: 'Mulish', sans-serif;
    font-size: clamp(2rem, 5vw, 3.5rem);
    line-height: 1.15;
    font-weight: 700;
}

.simple-steps-hero {
    width: min(100%, 620px);
    height: 230px;
    margin: 1.4rem auto 0.8rem;
    position: relative;
    overflow: hidden;
}

.simple-steps-slide {
    position: absolute;
    inset: 0;
    width: 100%;
    height: 100%;
    object-fit: contain;
    opacity: 0;
    transition: opacity 0.5s ease;
}

.simple-steps-slide.active {
    opacity: 1;
}

.simple-steps-dots {
    display: flex;
    justify-content: center;
    gap: 0.65rem;
    margin-bottom: 1.25rem;
}

.simple-steps-dots .dot {
    width: 0.85rem;
    height: 0.85rem;
    border-radius: 999px;
    background: rgba(36, 112, 68, 0.22);
}

.simple-steps-dots .dot.active {
    background: rgba(36, 112, 68, 0.55);
}

.simple-steps-grid {
    display: grid;
    grid-template-columns: 1fr;
    gap: 1rem;
}

.simple-step h3 {
    margin: 0 0 12px;
    color: #212529;
    font-family: 'Mulish', sans-serif;
    font-size: 16px;
    line-height: 1.2;
    font-weight: 700;
}

.simple-step p {
    margin: 0;
    color: #212529;
    font-family: 'Mulish', sans-serif;
    font-size: 16px;
    line-height: 1.2;
}

.simple-steps-button {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    margin-top: 2.6rem;
    min-width: 280px;
    padding: 0.95rem 1.8rem;
    border-radius: 999px;
    background: linear-gradient(90deg, #247044, #247044);
    color: #ffffff;
    text-decoration: none;
    font-family: 'Mulish', sans-serif;
    font-size: 1.55rem;
    font-weight: 700;
    letter-spacing: 0.02em;
}

.simple-steps-button:hover {
    background: linear-gradient(90deg, #247044, #247044);
}

@media (min-width: 900px) {
    .simple-steps-section {
        padding: 0 1rem 4rem;
    }

    .simple-steps-card {
        padding: 2.6rem 2.2rem 2.6rem;
    }

    .simple-steps-hero {
        height: 300px;
        margin-top: 1.6rem;
    }

    .simple-steps-grid {
        grid-template-columns: repeat(3, minmax(0, 1fr));
        gap: 1.2rem;
        margin-top: 0.2rem;
    }
}

.steps-section .steps-header .steps-main-title {
    color: #333333;
}

.steps-section .step .step-icon {
    background: linear-gradient(135deg, #247044 0%, #247044 100%);
    color: #ffffff;
}

.form-section button:hover,
.form-section input[type="submit"]:hover,
.form-section .btn:hover {
    background-color: #247044 !important;
}

/* ============================================================
   Footer (Concept 2 · Variation A · Light)
   ============================================================ */
.footer-stacked {
  --brand-color:       var(--color-primary, #247044);
  --brand-color-hover: #1a5533;
  --brand-color-ring:  rgba(36, 112, 68, .35);

  --fc2-bg:        #FAFAF7;
  --fc2-ink:       #1A1A1A;
  --fc2-ink-soft:  #333333;
  --fc2-muted:     #666666;
  --fc2-dim:       #888888;
  --fc2-rule:      #ECECE6;

  background: var(--fc2-bg);
  color: var(--fc2-ink);
  font-family: 'Inter', system-ui, -apple-system, "Segoe UI", Roboto, sans-serif;
  border-top: 1px solid var(--fc2-rule);
  box-sizing: border-box;
}
.footer-stacked *, .footer-stacked *::before, .footer-stacked *::after { box-sizing: border-box; }

.footer-stacked .footer-inner { padding: 28px 22px 22px; }

.footer-stacked .band { padding-bottom: 36px; }
.footer-stacked .kicker {
  font-size: 11px;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: var(--fc2-dim);
  font-weight: 600;
  margin-bottom: 8px;
}
.footer-stacked .band-heading {
  font-size: 20px;
  font-weight: 600;
  letter-spacing: -0.015em;
  margin: 0 0 8px;
  line-height: 1.2;
  color: var(--fc2-ink);
}
.footer-stacked .band-sub {
  font-size: 13.5px;
  color: var(--fc2-muted);
  line-height: 1.55;
  margin: 0 0 18px;
}
.footer-stacked .band-actions { display: flex; flex-direction: column; gap: 8px; }

.footer-stacked .ca {
  display: flex;
  align-items: center;
  justify-content: space-between;
  width: 100%;
  background: var(--brand-color);
  color: #ffffff;
  border-radius: 10px;
  padding: 14px 16px;
  text-decoration: none;
  font-family: inherit;
  font-size: 14px;
  font-weight: 600;
  line-height: 1.2;
  cursor: pointer;
  transition: background .15s ease, transform .12s ease;
  text-align: left;
}
.footer-stacked .ca .ca-text { display: block; min-width: 0; }
.footer-stacked .ca .ca-label { display: block; }
.footer-stacked .ca .ca-sub {
  display: block;
  font-size: 11px;
  font-weight: 400;
  opacity: 0.8;
  margin-top: 2px;
}
.footer-stacked .ca::after {
  content: "→";
  font-size: 16px;
  opacity: 0.85;
  margin-left: 16px;
  flex-shrink: 0;
  transition: transform .15s ease;
}
.footer-stacked .ca:hover, .footer-stacked .ca:focus-visible {
  background: var(--brand-color-hover);
  outline: none;
}
.footer-stacked .ca:hover::after, .footer-stacked .ca:focus-visible::after { transform: translateX(2px); }
.footer-stacked .ca:focus-visible { box-shadow: 0 0 0 3px var(--brand-color-ring); }
.footer-stacked .ca:active { transform: translateY(1px); }

.footer-stacked .links { display: flex; flex-direction: column; }
.footer-stacked .links-brand { display: none; }
.footer-stacked .links-col { display: flex; flex-direction: column; }

.footer-stacked .col-title {
  font-size: 11px;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: var(--fc2-dim);
  font-weight: 500;
  margin: 25px 0 0;
}
.footer-stacked .links-col:first-of-type .col-title { margin-top: 0; }

.footer-stacked .col-link {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 12px 0;
  border-bottom: 1px solid var(--fc2-rule);
  color: var(--fc2-ink-soft);
  font-size: 14px;
  text-decoration: none;
  transition: color .15s ease;
  cursor: pointer;
}
.footer-stacked .col-link::after {
  content: "›";
  font-size: 14px;
  color: #BBBBBB;
  transition: color .15s ease, transform .15s ease;
}
.footer-stacked .col-link:hover, .footer-stacked .col-link:focus-visible {
  color: var(--brand-color);
  outline: none;
}
.footer-stacked .col-link:hover::after, .footer-stacked .col-link:focus-visible::after {
  color: var(--brand-color);
  transform: translateX(2px);
}

.footer-stacked .legal {
  margin-top: 36px;
  padding-top: 16px;
  border-top: 1px solid var(--fc2-rule);
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 10px;
  font-size: 12px;
  color: var(--fc2-dim);
  text-align: center;
}
.footer-stacked .legal-copy { line-height: 1.5; }
.footer-stacked .legal-links { display: flex; gap: 18px; flex-wrap: wrap; }
.footer-stacked .legal-links a {
  color: var(--fc2-dim);
  text-decoration: none;
  transition: color .15s ease;
}
.footer-stacked .legal-links a:hover, .footer-stacked .legal-links a:focus-visible {
  color: var(--brand-color);
  outline: none;
}

@media (min-width: 768px) {
  .footer-stacked .footer-inner { max-width: 1180px; margin: 0 auto; padding: 0 56px; }

  .footer-stacked .band {
    display: grid;
    grid-template-columns: 1fr minmax(420px, 520px);
    gap: 48px;
    align-items: center;
    padding: 44px 0 40px;
    border-bottom: 1px solid var(--fc2-rule);
  }
  .footer-stacked .band-heading { font-size: 28px; letter-spacing: -0.02em; margin-bottom: 8px; }
  .footer-stacked .band-sub { font-size: 14px; max-width: 480px; margin-bottom: 0; }
  .footer-stacked .band-actions { gap: 10px; }
  .footer-stacked .ca { padding: 16px 20px; font-size: 15px; }
  .footer-stacked .ca .ca-sub { font-size: 12px; }
  .footer-stacked .ca::after { font-size: 18px; }

  .footer-stacked .links {
    display: grid;
    grid-template-columns: 1.4fr 1fr 1fr 1fr;
    gap: 56px;
    padding: 44px 0 36px;
  }
  .footer-stacked .links-brand { display: block; }
  .footer-stacked .brand-name {
    font-size: 18px;
    font-weight: 600;
    letter-spacing: -0.015em;
    color: var(--fc2-ink);
    margin-bottom: 10px;
  }
  .footer-stacked .brand-address {
    font-size: 13px;
    color: var(--fc2-muted);
    line-height: 1.55;
    max-width: 260px;
    margin: 0;
  }

  .footer-stacked .col-title { font-size: 11px; letter-spacing: 0.16em; font-weight: 600; margin: 0 0 16px; }
  .footer-stacked .col-link { padding: 6px 0; font-size: 14px; border-bottom: none; }
  .footer-stacked .col-link::after { content: none; }

  .footer-stacked .legal {
    flex-direction: row;
    justify-content: center;
    align-items: center;
    padding: 20px 0 28px;
    margin-top: 0;
  }
  .footer-stacked .legal-links { gap: 22px; }
}

.sr-only {
    position: absolute;
    width: 1px;
    height: 1px;
    padding: 0;
    margin: -1px;
    overflow: hidden;
    clip: rect(0, 0, 0, 0);
    white-space: nowrap;
    border: 0;
}