/* Borrow Home Equity - rebuilt UI system */
:root{
  --red:#e3262e;
  --red-dark:#b9151c;
  --red-soft:#fff1f2;
  --charcoal:#151922;
  --ink:#242a36;
  --muted:#667085;
  --line:#e6eaf0;
  --gray:#f5f7fa;
  --white:#fff;
  --green:#15946b;
  --green-soft:#eaf8f2;
  --error:#dc2626;
  --error-soft:#fef2f2;
  --radius:18px;
  --radius-sm:12px;
  --shadow:0 18px 50px rgba(21,25,34,.12);
  --shadow-lg:0 30px 90px rgba(21,25,34,.18);
  --font:'Inter',system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:var(--font);background:var(--white);color:var(--ink);line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:inherit}.container{max-width:1360px;margin:0 auto;padding:0 22px}.section{padding:86px 0}.section-alt{background:var(--gray)}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.92);backdrop-filter:blur(18px);border-bottom:1px solid rgba(21,25,34,.08)}
.header-inner{height:72px;max-width:1360px;margin:0 auto;padding:0 22px;display:flex;align-items:center;gap:28px}.logo{display:flex;align-items:center;gap:12px;text-decoration:none}.logo-icon svg{display:block}.logo-icon svg path:first-child{fill:var(--charcoal)!important}.logo-main{font-size:20px;font-weight:900;color:var(--charcoal);letter-spacing:0}.logo-sub{font-size:10px;font-weight:800;letter-spacing:.07em;text-transform:uppercase;color:var(--muted)}.logo-text{display:flex;flex-direction:column}.header-nav{display:flex;align-items:center;gap:4px;margin-left:auto}.nav-link{padding:10px 13px;border-radius:999px;text-decoration:none;font-weight:750;font-size:14px;color:#3b4250}.nav-link:hover{background:var(--gray);color:var(--charcoal)}.mobile-menu-toggle{display:none;background:none;border:0;gap:5px;flex-direction:column}.mobile-menu-toggle span{width:24px;height:2px;background:var(--charcoal)}.mobile-nav{display:none}.btn,.btn-hero,.btn-hero-outline,.btn-next,.btn-back,.search-btn,.btn-export{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:0 24px;border-radius:999px;border:1px solid transparent;text-decoration:none;font-weight:900;font-size:15px;cursor:pointer;transition:.18s ease;white-space:nowrap}.btn-primary,.btn-hero,.btn-next,.search-btn{background:var(--red);color:white;box-shadow:0 16px 34px rgba(227,38,46,.26)}.btn-primary:hover,.btn-hero:hover,.btn-next:hover,.search-btn:hover{background:var(--red-dark);transform:translateY(-1px);box-shadow:0 20px 40px rgba(227,38,46,.32)}.btn-hero-outline,.btn-back{background:white;color:var(--charcoal);border-color:var(--line)}.w-full{width:100%}
.ssl-mini-badge{display:inline-flex;align-items:center;gap:7px;min-height:34px;padding:0 12px;border-radius:999px;background:#eefbf7;border:1px solid rgba(21,148,107,.22);color:#0f7a59;font-size:12px;font-weight:950;white-space:nowrap}.ssl-mini-badge:before,.badge-ssl:before,.topbar-badge:first-child:before,.seal-item:first-child:before,.form-security:before{content:'LOCK';font-size:9px;line-height:1;background:#15946b;color:white;border-radius:999px;padding:2px 5px;margin-right:7px;vertical-align:middle}.ssl-mini-badge:before{margin-right:0}
.hero{min-height:calc(100vh - 72px);display:flex;align-items:center;background:linear-gradient(135deg,#fff 0%,#f7f8fb 50%,#fff1f2 100%);position:relative;overflow:hidden}.hero:before{content:'';position:absolute;right:-120px;top:-150px;width:480px;height:480px;border-radius:50%;background:rgba(227,38,46,.1)}.hero-inner{max-width:1360px;margin:0 auto;padding:72px 22px;display:grid;grid-template-columns:minmax(0,1.08fr) 430px;gap:64px;align-items:center;position:relative}.hero-eyebrow,.section-tag,.step-badge{display:inline-flex;align-items:center;width:max-content;background:var(--red-soft);color:var(--red-dark);border:1px solid rgba(227,38,46,.14);padding:8px 12px;border-radius:999px;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.06em}.hero h1{font-size:clamp(46px,6vw,76px);line-height:.95;color:var(--charcoal);letter-spacing:-.035em;margin:20px 0}.hero-sub{font-size:20px;color:#4b5565;max-width:640px}.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.hero-stats{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:34px;max-width:620px}.hero-stat{background:rgba(255,255,255,.74);border:1px solid rgba(21,25,34,.08);border-radius:16px;padding:16px}.hero-stat .number{display:block;color:var(--charcoal);font-size:18px;font-weight:950}.hero-stat .label{display:block;color:var(--muted);font-size:12px;font-weight:800;text-transform:uppercase;letter-spacing:.05em}.hero-card{background:white;border:1px solid rgba(21,25,34,.08);border-radius:28px;padding:30px;box-shadow:var(--shadow-lg)}.hero-card h3{font-size:26px;color:var(--charcoal);margin-bottom:6px}.hero-card p{color:var(--muted);margin-bottom:20px}.hero-form{display:grid;gap:15px}.form-group label,.field-label{display:block;font-size:14px;font-weight:900;color:var(--charcoal);margin-bottom:8px}.hero-form input,.hero-form select,.input-field{width:100%;min-height:60px;border-radius:16px;border:1.5px solid #d9dee8;background:white;padding:0 16px;font-size:17px;color:var(--charcoal);outline:none;transition:.16s ease}.hero-form input:focus,.hero-form select:focus,.input-field:focus{border-color:var(--red);box-shadow:0 0 0 4px rgba(227,38,46,.11)}.trust-line,.field-hint,.submit-disclaimer{font-size:13px;color:var(--muted)}
.trust-bar{background:var(--charcoal);color:white}.trust-bar-inner{max-width:1360px;margin:0 auto;padding:18px 22px;display:flex;justify-content:center;gap:28px;flex-wrap:wrap}.trust-item{font-weight:900;font-size:14px}.trust-item:before{content:'OK';color:#fff;background:var(--red);border-radius:999px;padding:1px 6px;margin-right:8px}.section-header{text-align:center;max-width:720px;margin:0 auto 38px}.section-header h2{font-size:clamp(32px,4vw,50px);line-height:1.05;color:var(--charcoal);letter-spacing:-.025em;margin-top:14px}.section-header p{color:var(--muted);font-size:18px;margin-top:14px}.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.step-card,.faq-item,.calc-panel,.trust-panel{background:white;border:1px solid rgba(21,25,34,.08);border-radius:24px;padding:26px;box-shadow:0 12px 32px rgba(21,25,34,.07)}.step-card h3{font-size:21px;color:var(--charcoal);margin-bottom:10px}.step-card p,.faq-answer{color:var(--muted)}.step-number{width:42px;height:42px;border-radius:14px;display:flex;align-items:center;justify-content:center;background:var(--red);color:white;font-weight:950;margin-bottom:18px}.calc-layout{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:center}.calc-panel{background:var(--charcoal);color:white}.calc-panel h2{font-size:40px;line-height:1.05}.calc-panel p{color:rgba(255,255,255,.72);margin-top:12px}.calc-metrics{display:grid;gap:12px;margin-top:22px}.metric{padding:16px;border-radius:16px;background:rgba(255,255,255,.08);display:flex;justify-content:space-between}.use-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}.use-pill{padding:18px;border-radius:18px;background:white;border:1px solid rgba(21,25,34,.08);font-weight:900;text-align:center;box-shadow:0 10px 24px rgba(21,25,34,.06)}.faq-list{max-width:860px;margin:0 auto;display:grid;gap:12px}.faq-question{width:100%;background:none;border:0;display:flex;justify-content:space-between;align-items:center;text-align:left;font-size:18px;font-weight:900;color:var(--charcoal);cursor:pointer}.faq-answer{display:none;margin-top:12px}.faq-answer.open{display:block}.cta-section{background:linear-gradient(135deg,var(--charcoal),#2a1b22);color:white;text-align:center;padding:86px 0}.cta-section h2{font-size:clamp(34px,5vw,58px);line-height:1.02}.cta-section p{color:rgba(255,255,255,.72);font-size:18px;max-width:680px;margin:16px auto 28px}
.site-footer{background:var(--charcoal);color:white;padding:58px 0 22px}.footer-inner{max-width:1360px;margin:0 auto;padding:0 22px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:32px}.footer-desc,.footer-disclaimer p,.footer-links li,.footer-bottom{color:rgba(255,255,255,.68);font-size:13px}.footer-links h4{margin-bottom:12px}.footer-links ul{list-style:none;display:grid;gap:8px}.footer-links a{text-decoration:none;color:rgba(255,255,255,.82)}.trust-badges{display:flex;gap:8px;flex-wrap:wrap;margin-top:18px}.badge-item{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);padding:7px 10px;border-radius:999px;font-size:12px;font-weight:900}.footer-disclaimer{border-top:1px solid rgba(255,255,255,.12);margin-top:34px;padding-top:22px;display:grid;gap:6px}.footer-bottom{display:flex;justify-content:space-between;border-top:1px solid rgba(255,255,255,.1);margin-top:22px;padding-top:18px}.footer-legal-links{display:flex;gap:14px}.footer-legal-links a{color:rgba(255,255,255,.76);text-decoration:none}
.legal-disclaimer{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.12);border-radius:18px;margin-top:34px;padding:22px;gap:12px}.legal-disclaimer p{font-size:12px;line-height:1.65;color:rgba(255,255,255,.72)}.legal-disclaimer strong{color:rgba(255,255,255,.95)}
.cookie-notice{position:fixed;left:0;right:0;bottom:0;z-index:999;background:#fff;border-top:1px solid rgba(21,25,34,.14);box-shadow:0 -16px 44px rgba(21,25,34,.12);padding:14px 18px;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:18px;align-items:center}.cookie-notice[hidden]{display:none}.cookie-notice p{font-size:12px;line-height:1.45;color:#334155;max-width:1080px}.cookie-notice a,.cookie-link{color:#007f86;font-weight:900;text-decoration:underline}.cookie-actions{display:flex;align-items:center;gap:10px}.cookie-btn,.cookie-link,.cookie-close{border:0;background:none;cursor:pointer;font-family:var(--font)}.cookie-btn{min-height:42px;border-radius:8px;padding:0 18px;font-size:12px;font-weight:950}.cookie-btn-primary{background:#007f86;color:white}.cookie-btn-light{background:#eef6f7;color:#007178}.cookie-link{font-size:12px;white-space:nowrap}.cookie-close{font-size:20px;line-height:1;color:#4b5565;padding:8px}
.homeowner-gate{position:fixed;inset:0;z-index:1200;background:rgba(15,23,42,.64);backdrop-filter:blur(10px);display:flex;align-items:center;justify-content:center;padding:22px}.homeowner-gate[hidden]{display:none}.homeowner-gate-card{width:min(520px,100%);background:white;border-radius:28px;border:1px solid rgba(255,255,255,.4);box-shadow:0 32px 90px rgba(0,0,0,.28);padding:34px;text-align:center}.homeowner-gate-icon{width:72px;height:72px;border-radius:24px;background:var(--red-soft);display:flex;align-items:center;justify-content:center;margin:0 auto 18px;color:var(--red)}.homeowner-gate-icon svg{width:36px;height:36px;stroke:currentColor;fill:none;stroke-width:2.15;stroke-linecap:round;stroke-linejoin:round}.homeowner-gate-kicker{font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:950;color:var(--red-dark);margin-bottom:8px}.homeowner-gate h2{font-size:clamp(30px,4vw,44px);line-height:1.05;color:var(--charcoal);letter-spacing:-.025em}.homeowner-gate-card p:not(.homeowner-gate-kicker){color:#5b6677;font-size:16px;margin:14px auto 24px;max-width:390px}.homeowner-gate-actions{display:grid;grid-template-columns:1fr 120px;gap:12px}.homeowner-gate-actions .btn,.homeowner-gate-actions .btn-hero-outline{width:100%;min-height:56px}
.apply-page{background:linear-gradient(180deg,#fff,#f5f7fa)}.apply-topbar{height:72px;display:flex;align-items:center;justify-content:space-between;padding:0 28px;background:white;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:80}.apply-logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:950;color:var(--charcoal)}.apply-topbar-trust{display:flex;gap:8px}.topbar-badge{background:var(--red-soft);color:var(--red-dark);border:1px solid rgba(227,38,46,.14);border-radius:999px;padding:8px 10px;font-size:12px;font-weight:900}.topbar-back{text-decoration:none;color:var(--muted);font-weight:850}.apply-split{max-width:1360px;margin:0 auto;padding:34px 22px 70px;display:grid;grid-template-columns:330px minmax(0,1fr);gap:28px}.apply-sidebar{position:sticky;top:96px;align-self:start;background:var(--charcoal);color:white;border-radius:28px;padding:26px;box-shadow:var(--shadow)}.sidebar-msg-icon{display:none}.sidebar-msg-title{font-size:28px;line-height:1.05;margin-bottom:10px}.sidebar-msg-body,.sidebar-benefits li,.sidebar-activity,.st-quote{color:rgba(255,255,255,.72)}.sidebar-benefits{list-style:none;display:grid;gap:12px;margin:24px 0}.sidebar-benefits li{display:flex;gap:10px}.sb-check{background:var(--red);color:white;border-radius:999px;width:24px;height:24px;display:inline-flex;align-items:center;justify-content:center;font-size:11px;font-weight:950;flex:0 0 24px}.sidebar-testimonial,.sidebar-progress-info,.sidebar-seals{margin-top:18px;padding-top:18px;border-top:1px solid rgba(255,255,255,.1)}.apply-form-area{min-width:0}.apply-progress-wrap{position:sticky;top:72px;z-index:50;background:rgba(245,247,250,.92);backdrop-filter:blur(16px);padding:14px 0 18px}.apply-progress-labels{display:flex;justify-content:space-between;color:var(--muted);font-size:13px;font-weight:900;margin-bottom:9px}.apply-progress-outer,.spi-bar-wrap{height:10px;background:#e5eaf0;border-radius:999px;overflow:hidden}.apply-progress-inner,.spi-bar{height:100%;background:var(--red);border-radius:999px}.form-container{max-width:760px;margin:24px auto 0}.form-step{display:none;background:white;border:1px solid rgba(21,25,34,.08);border-radius:30px;padding:34px;box-shadow:var(--shadow-lg)}.form-step.active{display:block}.step-question{font-size:clamp(30px,4vw,46px);line-height:1.05;color:var(--charcoal);letter-spacing:-.025em;margin:16px 0 10px}.step-subtext{color:var(--muted);font-size:17px;margin-bottom:26px}.fields-stack{display:grid;gap:18px}.form-row{display:grid;gap:14px}.form-row-2{grid-template-columns:1fr 1fr}.form-row-3{grid-template-columns:repeat(3,1fr)}.select-wrap{position:relative}.select-arrow{position:absolute;right:16px;top:50%;transform:translateY(-50%);color:var(--muted)}.input-group{position:relative}.input-prefix{position:absolute;left:16px;top:50%;transform:translateY(-50%);color:var(--muted);font-weight:900}.has-prefix{padding-left:34px}.field-error,.consent-error{display:none;color:var(--error);font-size:13px;font-weight:850;margin-top:7px}.field-error.show,.consent-error.show{display:block}.input-field.error{border-color:var(--error);background:var(--error-soft)}.mortgage-cards,.credit-score-cards,.yn-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.credit-score-cards{grid-template-columns:repeat(2,1fr)}.mort-card,.cs-card,.yn-card{min-height:112px;border:1.5px solid #dbe2ec;border-radius:20px;background:white;padding:18px;cursor:pointer;display:flex;flex-direction:column;justify-content:center;gap:5px;transition:.16s ease;box-shadow:0 10px 24px rgba(21,25,34,.06)}.mort-card:hover,.cs-card:hover,.yn-card:hover{border-color:var(--red);transform:translateY(-1px)}.mort-card.selected,.cs-card.selected,.yn-card.selected{border-color:var(--red);background:var(--red-soft);box-shadow:0 0 0 4px rgba(227,38,46,.12)}.mc-icon,.yn-icon{display:none}.mc-title,.cs-label,.yn-label{font-size:17px;font-weight:950;color:var(--charcoal)}.mc-sub,.cs-note,.yn-sub,.cs-score{color:var(--muted);font-size:13px}.cs-bar{height:5px;border-radius:999px;margin-bottom:8px}.cs-check{display:none}.form-nav{display:flex;justify-content:space-between;gap:12px;margin-top:28px}.btn-submit{width:100%}.consent-block{background:#fbfcfe;border:1px solid var(--line);border-radius:22px;padding:22px}.consent-items{display:grid;gap:12px;margin:14px 0 18px;padding-left:18px;color:#4b5565}.consent-check-row{display:flex;gap:12px;align-items:flex-start;background:white;border:1px solid var(--line);border-radius:18px;padding:18px}.consent-checkbox-input{width:22px;height:22px;accent-color:var(--red)}.form-security{margin-top:16px;background:var(--green-soft);color:var(--green);padding:14px;border-radius:16px;font-weight:900;text-align:center}
.ty-page{min-height:100vh;background:linear-gradient(135deg,#fff,#fff1f2);display:flex;align-items:center;justify-content:center;padding:32px}.ty-card{max-width:720px;width:100%;background:white;border:1px solid rgba(21,25,34,.08);border-radius:32px;box-shadow:var(--shadow-lg);padding:38px;text-align:center}.ty-mark{width:74px;height:74px;border-radius:24px;background:var(--red);margin:0 auto 20px}.ty-title{font-size:42px;line-height:1.05;color:var(--charcoal)}.ty-subline{color:var(--muted);font-size:18px;margin:12px auto 26px;max-width:560px}.ty-progress{height:12px;border-radius:999px;background:#e8edf3;overflow:hidden}.ty-progress-bar{height:100%;width:8%;background:var(--red);transition:width .6s ease}.ty-steps{display:grid;gap:12px;margin-top:26px;text-align:left}.ty-step{display:flex;align-items:center;gap:12px;border:1px solid var(--line);border-radius:18px;padding:14px;color:var(--muted);font-weight:850}.ty-step.active{border-color:rgba(227,38,46,.3);background:var(--red-soft);color:var(--charcoal)}.ty-dot{width:16px;height:16px;border-radius:999px;background:#d9e0ea}.ty-step.active .ty-dot{background:var(--red)}
@media(max-width:900px){.header-nav,.header-cta,.ssl-mini-badge,.apply-topbar-trust,.topbar-back{display:none}.mobile-menu-toggle{display:flex;margin-left:auto}.mobile-nav.open{display:flex;flex-direction:column;padding:16px 22px;background:white;border-top:1px solid var(--line)}.hero-inner,.calc-layout,.apply-split{grid-template-columns:1fr}.hero-inner{padding:40px 22px}.hero-stats,.steps-grid,.use-grid,.footer-grid{grid-template-columns:1fr}.apply-sidebar{position:static;border-radius:22px}.form-row-2,.form-row-3,.mortgage-cards,.credit-score-cards,.yn-cards{grid-template-columns:1fr}.form-step{padding:24px;border-radius:24px}.apply-progress-wrap{top:72px}.footer-bottom{display:grid;gap:10px}.hero h1{font-size:44px}.hero-card{padding:24px}.section{padding:64px 0}}
@media(max-width:900px){.cookie-notice{grid-template-columns:1fr;padding:16px}.cookie-actions{display:grid;grid-template-columns:1fr 1fr;gap:8px}.cookie-link{grid-column:1/-1;text-align:left}.cookie-close{position:absolute;right:8px;top:8px}.cookie-notice p{padding-right:28px}}

/* Final rebuild refinements */
.section-title-left{font-size:clamp(34px,4vw,54px);line-height:1.04;color:var(--charcoal);letter-spacing:-.025em;margin-top:14px}
.section-copy-large{font-size:20px;color:#4b5565;line-height:1.7}
.mini-card-kicker{font-size:12px;font-weight:950;text-transform:uppercase;letter-spacing:.06em;color:var(--red-dark);margin-bottom:8px}
.compact-grid{grid-template-columns:1fr;margin-top:22px}
.compact-grid .step-card{padding:18px}
.calc-panel .section-tag{background:rgba(255,255,255,.1);color:white;border-color:rgba(255,255,255,.16)}
.metric{gap:16px}
.trust-mini-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:22px}
.trust-mini-grid div{background:white;border:1px solid rgba(21,25,34,.08);border-radius:16px;padding:16px;font-weight:950;color:var(--charcoal);box-shadow:0 10px 26px rgba(21,25,34,.06)}
.why-choice-section{background:#fff}
.why-icon-grid{max-width:1060px;margin:0 auto;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.why-icon-card{min-height:210px;border:1.5px solid #c9dcea;border-radius:10px;background:#fff;padding:28px 20px;text-align:center;display:flex;flex-direction:column;align-items:center;justify-content:center;box-shadow:0 8px 20px rgba(21,25,34,.035);transition:transform .16s ease,border-color .16s ease,box-shadow .16s ease}
.why-icon-card:hover{transform:translateY(-3px);border-color:rgba(227,38,46,.42);box-shadow:0 18px 44px rgba(21,25,34,.09)}
.why-icon-card svg{width:38px;height:38px;color:var(--red);stroke:currentColor;fill:none;stroke-width:2.15;stroke-linecap:round;stroke-linejoin:round;margin-bottom:22px}
.why-icon-card h3{font-size:15px;line-height:1.2;color:var(--charcoal);margin-bottom:12px;font-weight:950}
.why-icon-card p{font-size:12px;line-height:1.55;color:#58708a;max-width:170px}
.equity-calculator-section{background:#edf5f8}
.equity-calculator-card{max-width:580px;margin:0 auto;background:#fff;border:1px solid rgba(21,25,34,.08);border-radius:14px;padding:30px;box-shadow:0 18px 46px rgba(21,25,34,.12)}
.range-field{margin-bottom:24px}
.range-label{display:flex;justify-content:space-between;gap:16px;align-items:center;font-size:13px;color:var(--charcoal);margin-bottom:12px}
.range-label span{font-weight:950;color:var(--red)}
.equity-calculator-card input[type=range]{width:100%;accent-color:var(--red);cursor:pointer}
.range-minmax{display:flex;justify-content:space-between;color:#667085;font-size:11px;margin-top:6px}
.calculator-result{background:#dff2f7;border-radius:10px;text-align:center;padding:28px 20px;margin:26px 0}
.calculator-result span{display:block;font-size:12px;font-weight:900;color:#296274;margin-bottom:10px}
.calculator-result strong{display:block;font-size:40px;line-height:1;color:#087a98;font-weight:950;letter-spacing:-.025em}
.calculator-result p{font-size:11px;color:#58708a;margin-top:12px}
.calculator-cta{width:100%;border-radius:10px}
.ty-page{min-height:100vh;background:radial-gradient(circle at 20% 10%,#fff1f2,transparent 34%),linear-gradient(135deg,#fff,#f5f7fa);display:flex;align-items:center;justify-content:center;padding:32px}
.ty-card{max-width:760px;width:100%;background:white;border:1px solid rgba(21,25,34,.08);border-radius:32px;box-shadow:var(--shadow-lg);padding:38px;text-align:center}
.ty-brand{display:inline-flex;align-items:center;gap:10px;font-weight:950;color:var(--charcoal);margin-bottom:22px}
.ty-brand-mark{width:28px;height:28px;border-radius:9px;background:var(--red);box-shadow:inset 0 -8px 0 rgba(0,0,0,.08)}
.ty-mark{width:84px;height:84px;border-radius:28px;background:linear-gradient(135deg,var(--red),var(--red-dark));margin:0 auto 20px;position:relative;box-shadow:0 20px 42px rgba(227,38,46,.26);animation:tyPulse 1.8s ease-in-out infinite}
.ty-mark:after{content:'';position:absolute;inset:25px;border-radius:999px;background:white}
.ty-eyebrow{margin:0 auto 14px}
.ty-title{font-size:clamp(32px,5vw,48px);line-height:1.05;color:var(--charcoal);letter-spacing:-.025em}
.ty-subline{color:var(--muted);font-size:18px;margin:12px auto 26px;max-width:580px}
.ty-progress-caption{font-size:13px;font-weight:900;color:var(--muted);text-align:right;margin-top:9px}
.ty-step.complete{background:#fbfcfe;color:var(--charcoal)}
.ty-step.complete .ty-dot{background:var(--green)}
.ty-trust-row{display:flex;justify-content:center;gap:10px;flex-wrap:wrap;margin-top:24px}
.ty-trust-row span{background:#f6f8fb;border:1px solid var(--line);border-radius:999px;padding:8px 12px;font-size:12px;font-weight:950;color:var(--charcoal)}
.ty-footer-note{font-size:12px;color:var(--muted);line-height:1.65;margin:24px auto 0;max-width:620px}
@keyframes tyPulse{0%,100%{transform:scale(1);box-shadow:0 20px 42px rgba(227,38,46,.26)}50%{transform:scale(1.04);box-shadow:0 26px 54px rgba(227,38,46,.34)}}

/* Distinct Borrow Home Equity footer */
.site-footer{background:linear-gradient(180deg,#fff 0%,#f6f8fb 100%);color:var(--charcoal);padding:0 0 28px;border-top:1px solid #e7ebf1;position:relative}
.site-footer:before{content:'';display:block;height:6px;background:linear-gradient(90deg,var(--red),#151922,#15946b)}
.footer-inner{max-width:1360px;margin:0 auto;padding:42px 22px 0}
.footer-grid{display:grid;grid-template-columns:1.35fr .8fr .8fr 1fr;gap:18px;align-items:stretch}
.footer-brand,.footer-links{background:white;border:1px solid #e8edf3;border-radius:22px;padding:24px;box-shadow:0 14px 36px rgba(21,25,34,.055)}
.site-footer .logo{align-items:flex-start}.site-footer .logo-main{color:var(--charcoal)}.site-footer .logo-icon svg path:first-child{fill:var(--red)!important}
.footer-desc{color:#536173;font-size:14px;line-height:1.7;margin-top:16px;max-width:360px}
.footer-links h4{margin-bottom:14px;color:var(--charcoal);font-size:13px;text-transform:uppercase;letter-spacing:.08em}
.footer-links ul{list-style:none;display:grid;gap:10px}.footer-links li{color:#5b6677;font-size:13px}.footer-links a{color:#334155;text-decoration:none;font-weight:750}.footer-links a:hover{color:var(--red)}
.trust-badges{display:flex;gap:8px;flex-wrap:wrap;margin-top:20px}.badge-item{background:#f7fafc;border:1px solid #e3eaf2;color:#263242;padding:8px 11px;border-radius:999px;font-size:12px;font-weight:950}
.legal-disclaimer{background:#fff;border:1px solid #e8edf3;border-radius:22px;margin-top:18px;padding:22px 24px;gap:10px;box-shadow:0 14px 36px rgba(21,25,34,.045)}
.legal-disclaimer p{font-size:12px;line-height:1.65;color:#5b6677}.legal-disclaimer strong{color:#151922}
.footer-bottom{display:flex;justify-content:space-between;align-items:center;background:#151922;color:white;border:0;border-radius:18px;margin-top:18px;padding:16px 18px}.footer-bottom p{color:rgba(255,255,255,.78);font-size:12px}.footer-legal-links{display:flex;gap:14px;flex-wrap:wrap}.footer-legal-links a{color:rgba(255,255,255,.82);text-decoration:none;font-size:12px;font-weight:850}

@media(max-width:900px){.compact-grid{grid-template-columns:1fr}.ty-card{padding:28px 20px}.section-copy-large{font-size:18px}}
@media(max-width:900px){.footer-grid{grid-template-columns:1fr}.footer-brand,.footer-links{padding:20px}.footer-bottom{display:grid;gap:10px}.footer-legal-links{gap:10px}}
@media(max-width:900px){.why-icon-grid{grid-template-columns:repeat(2,1fr);gap:14px}.why-icon-card{min-height:180px;padding:22px 14px}.equity-calculator-card{padding:22px}.calculator-result strong{font-size:34px}}
@media(max-width:560px){.why-icon-grid{grid-template-columns:1fr}.why-icon-card p{max-width:240px}}

/* Question-first application rebuild */
.apply-page{background:linear-gradient(180deg,#fff 0%,#f6f7f9 52%,#fff 100%)}
.apply-logo svg path{fill:var(--red)!important}
.apply-split{grid-template-columns:300px minmax(0,1fr);gap:36px}
.apply-sidebar{background:linear-gradient(180deg,#151922,#24171a);border-radius:0 32px 32px 0;margin-left:-22px;min-height:calc(100vh - 140px)}
.sidebar-msg-title{font-size:24px}.sidebar-seals{display:grid;gap:10px;color:rgba(255,255,255,.76);font-size:13px;font-weight:850}
.form-container{max-width:840px}
.form-step{min-height:560px;border-radius:34px;padding:42px;background:linear-gradient(180deg,#fff,#fff 65%,#fff8f8);border:1px solid rgba(21,25,34,.07);box-shadow:0 30px 90px rgba(21,25,34,.14)}
.question-icon{width:64px;height:64px;border-radius:22px;background:var(--red-soft);color:var(--red);display:flex;align-items:center;justify-content:center;margin-bottom:18px;border:1px solid rgba(227,38,46,.14)}
.question-icon svg{width:30px;height:30px;stroke-width:2.2}
.step-badge{background:#f6f7f9;color:#667085;border-color:#e6eaf0}
.step-question{font-size:clamp(34px,5vw,56px);max-width:760px}
.step-subtext{max-width:650px;color:#5c6472}
.option-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px;margin:28px 0 8px}
.option-grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.option-grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.option-grid-4{grid-template-columns:repeat(2,minmax(0,1fr))}
.option-grid-5{grid-template-columns:repeat(5,minmax(0,1fr))}
.option-card{min-height:116px;border:1.5px solid #dfe4ec;border-radius:22px;background:#fff;padding:20px;cursor:pointer;display:flex;flex-direction:column;justify-content:center;gap:6px;transition:transform .16s ease,border-color .16s ease,box-shadow .16s ease,background .16s ease;box-shadow:0 10px 28px rgba(21,25,34,.055)}
.option-card span{font-size:18px;font-weight:950;color:var(--charcoal);letter-spacing:0}
.option-card small{font-size:13px;color:var(--muted);font-weight:750}
.option-card:hover{transform:translateY(-2px);border-color:rgba(227,38,46,.42);box-shadow:0 18px 42px rgba(21,25,34,.1)}
.option-card.selected{background:var(--red-soft);border-color:var(--red);box-shadow:0 0 0 4px rgba(227,38,46,.11),0 18px 42px rgba(227,38,46,.1)}
.single-input-panel{margin:28px 0 8px;max-width:620px}
.basic-info-grid{display:grid;gap:22px;margin-top:26px}
.personal-info-grid{display:grid;gap:20px;margin-top:26px}
.question-block{padding:20px;border:1px solid #edf0f4;border-radius:24px;background:#fff}
.question-block h2{font-size:18px;color:var(--charcoal);margin-bottom:14px;letter-spacing:0}
.address-row{margin-top:14px}
.ssn-inline{margin-top:16px}
.compact-options{margin:0}
.compact-options .option-card{min-height:78px;padding:15px}
.compact-options .option-card span{font-size:15px}
.single-input-panel .input-field,.single-input-panel .input-group .input-field{min-height:72px;font-size:22px;border-radius:22px}
.single-input-panel .input-prefix{font-size:22px;left:22px}.single-input-panel .has-prefix{padding-left:48px}
.conditional-inputs{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}
.form-nav{align-items:center;border-top:1px solid #edf0f4;padding-top:22px}
.btn-back{min-width:132px}.btn-next{min-width:180px}.btn-full{width:100%}
.field-error.show,.consent-error.show{background:var(--error-soft);border:1px solid #fecaca;border-radius:14px;padding:10px 12px;margin-top:12px}
.apply-progress-wrap{border-bottom:1px solid rgba(21,25,34,.05)}
.consent-block{max-height:none;text-align:left}
@media(max-width:900px){
  .apply-split{display:block;padding:20px 16px 56px}
  .apply-sidebar{display:none}
  .form-container{margin-top:16px}
  .form-step{min-height:auto;padding:26px 20px;border-radius:26px}
  .question-icon{width:54px;height:54px;border-radius:18px}
  .option-grid,.option-grid-2,.option-grid-3,.option-grid-4,.option-grid-5{grid-template-columns:1fr}
  .option-card{min-height:92px}
  .conditional-inputs{grid-template-columns:1fr}
  .single-input-panel .input-field,.single-input-panel .input-group .input-field{min-height:64px;font-size:18px}
  .form-nav{position:sticky;bottom:0;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);margin-left:-20px;margin-right:-20px;margin-bottom:-26px;padding:14px 20px;border-radius:0 0 26px 26px}
  .btn-next,.btn-back{min-width:0;flex:1}
}