:root,
[data-theme="light"] {
  --font-display: "Cabinet Grotesk", "Arial Narrow", sans-serif;
  --font-body: "Satoshi", Arial, sans-serif;
  --text-xs: clamp(0.75rem, 0.7rem + 0.25vw, 0.875rem);
  --text-sm: clamp(0.875rem, 0.8rem + 0.35vw, 1rem);
  --text-base: clamp(1rem, 0.95rem + 0.25vw, 1.125rem);
  --text-lg: clamp(1.125rem, 1rem + 0.75vw, 1.5rem);
  --text-xl: clamp(1.5rem, 1.2rem + 1.25vw, 2.25rem);
  --text-2xl: clamp(2rem, 1.2rem + 2.5vw, 3.5rem);
  --text-3xl: clamp(2.65rem, 1.3rem + 4.6vw, 5.75rem);
  --space-1: 0.25rem;
  --space-2: 0.5rem;
  --space-3: 0.75rem;
  --space-4: 1rem;
  --space-5: 1.25rem;
  --space-6: 1.5rem;
  --space-8: 2rem;
  --space-10: 2.5rem;
  --space-12: 3rem;
  --space-16: 4rem;
  --space-20: 5rem;
  --space-24: 6rem;
  --space-32: 8rem;
  --color-bg: #f8f7f3;
  --color-surface: #ffffff;
  --color-surface-2: #eef6f9;
  --color-surface-offset: #e2edf1;
  --color-text: #0d1f31;
  --color-muted: #526476;
  --color-faint: #81909c;
  --color-border: rgba(13, 31, 49, 0.13);
  --color-navy: #083b78;
  --color-navy-dark: #052a56;
  --color-sky: #25bedf;
  --color-accent: #f6bd36;
  --color-accent-hover: #e9a70c;
  --color-error: #b3261e;
  --color-success: #1f754b;
  --radius-sm: 0.375rem;
  --radius-md: 0.625rem;
  --radius-lg: 1rem;
  --radius-xl: 1.5rem;
  --radius-full: 999rem;
  --shadow-sm: 0 1px 3px rgba(4, 35, 64, 0.08);
  --shadow-md: 0 10px 28px rgba(4, 35, 64, 0.11);
  --shadow-lg: 0 24px 70px rgba(4, 35, 64, 0.16);
  --content-narrow: 42rem;
  --content-default: 62rem;
  --content-wide: 78rem;
  --transition: 180ms cubic-bezier(0.16, 1, 0.3, 1);
}

[data-theme="dark"] {
  --color-bg: #09131d;
  --color-surface: #0f1d2a;
  --color-surface-2: #142735;
  --color-surface-offset: #1b3342;
  --color-text: #f2f6f8;
  --color-muted: #b4c2cc;
  --color-faint: #7f929f;
  --color-border: rgba(242, 246, 248, 0.14);
  --color-navy: #49cbe5;
  --color-navy-dark: #2bb7d4;
  --color-sky: #56d4ec;
  --color-accent: #f5c75c;
  --color-accent-hover: #ffd77c;
  --color-error: #ffb4ab;
  --color-success: #7cdda8;
  --shadow-sm: 0 1px 3px rgba(0, 0, 0, 0.3);
  --shadow-md: 0 10px 28px rgba(0, 0, 0, 0.33);
  --shadow-lg: 0 24px 70px rgba(0, 0, 0, 0.42);
}

a,
button,
input,
select,
textarea {
  transition:
    color var(--transition),
    background-color var(--transition),
    border-color var(--transition),
    box-shadow var(--transition),
    transform var(--transition);
}

.container {
  width: min(calc(100% - (2 * var(--space-5))), var(--content-wide));
  margin-inline: auto;
}

.container--default {
  max-width: var(--content-default);
}

.container--narrow {
  max-width: var(--content-narrow);
}

.eyebrow {
  margin-bottom: var(--space-4);
  color: var(--color-navy);
  font-size: var(--text-xs);
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.site-header {
  position: sticky;
  z-index: 100;
  top: 0;
  border-bottom: 1px solid var(--color-border);
  background: color-mix(in srgb, var(--color-surface) 92%, transparent);
  backdrop-filter: blur(18px);
}

.header-row {
  display: flex;
  min-height: 4.75rem;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
}

.brand {
  display: inline-flex;
  flex: 0 0 auto;
  align-items: center;
  text-decoration: none;
}

.brand img {
  width: clamp(12.5rem, 20vw, 16rem);
  border-radius: var(--radius-sm);
}

[data-theme="dark"] .brand img {
  padding: var(--space-1);
  background: #ffffff;
}

.nav-toggle {
  display: grid;
  width: 2.75rem;
  height: 2.75rem;
  margin-left: auto;
  place-items: center;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  color: var(--color-text);
}

.nav-toggle svg,
.icon-button svg,
.button svg,
.text-link svg {
  width: 1.15rem;
  height: 1.15rem;
}

.site-nav {
  position: fixed;
  inset: 4.75rem 0 auto;
  display: none;
  padding: var(--space-5);
  border-bottom: 1px solid var(--color-border);
  background: var(--color-surface);
  box-shadow: var(--shadow-lg);
}

.site-nav.is-open {
  display: block;
}

.nav-list {
  display: grid;
  gap: var(--space-2);
  list-style: none;
}

.nav-link,
.nav-button {
  display: flex;
  min-height: 2.75rem;
  align-items: center;
  gap: var(--space-1);
  padding: var(--space-2) var(--space-3);
  border-radius: var(--radius-md);
  color: var(--color-text);
  font-size: var(--text-sm);
  font-weight: 700;
  text-decoration: none;
}

.nav-link:hover,
.nav-button:hover,
.nav-link[aria-current="page"] {
  background: var(--color-surface-2);
  color: var(--color-navy);
}

.nav-item {
  position: relative;
}

.submenu {
  display: none;
  padding: var(--space-2);
  list-style: none;
}

.nav-item.is-open .submenu {
  display: grid;
}

.submenu a {
  display: block;
  min-height: 2.75rem;
  padding: var(--space-2) var(--space-3);
  border-radius: var(--radius-sm);
  color: var(--color-muted);
  font-size: var(--text-sm);
  text-decoration: none;
}

.submenu a:hover {
  background: var(--color-surface-2);
  color: var(--color-navy);
}

.header-actions {
  display: flex;
  align-items: center;
  gap: var(--space-2);
}

.header-actions .button {
  display: none;
}

.icon-button {
  display: grid;
  width: 2.75rem;
  height: 2.75rem;
  place-items: center;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-surface);
}

.icon-button:hover,
.nav-toggle:hover {
  border-color: var(--color-navy);
  color: var(--color-navy);
}

.button {
  display: inline-flex;
  min-height: 3rem;
  align-items: center;
  justify-content: center;
  gap: var(--space-2);
  padding: var(--space-3) var(--space-5);
  border: 1px solid transparent;
  border-radius: var(--radius-md);
  font-size: var(--text-sm);
  font-weight: 800;
  line-height: 1.15;
  text-align: center;
  text-decoration: none;
}

.button:active {
  transform: translateY(1px);
}

.button--primary {
  border-color: var(--color-accent);
  background: var(--color-accent);
  color: #102033;
  box-shadow: 0 4px 0 #cb8f04;
}

.button--primary:hover {
  border-color: var(--color-accent-hover);
  background: var(--color-accent-hover);
}

.button--secondary {
  border-color: var(--color-border);
  background: var(--color-surface);
  color: var(--color-text);
}

.button--secondary:hover {
  border-color: var(--color-navy);
  color: var(--color-navy);
}

[data-theme="dark"] .button--secondary {
  border-color: rgba(255, 255, 255, 0.8);
  background: #ffffff;
  color: #0d1f31;
}

[data-theme="dark"] .button--secondary:hover {
  border-color: var(--color-accent);
  background: var(--color-accent);
  color: #0d1f31;
}

.button--navy {
  background: #083b78;
  color: #ffffff;
}

.button--navy:hover {
  background: #052a56;
}

.hero {
  position: relative;
  isolation: isolate;
  min-height: 43rem;
  padding-block: clamp(var(--space-12), 8vw, var(--space-24)) var(--space-32);
  overflow: hidden;
  background:
    linear-gradient(100deg, rgba(236, 248, 252, 0.98) 0%, rgba(236, 248, 252, 0.9) 50%, rgba(236, 248, 252, 0.38) 100%),
    url("assets/hero-house.webp") center / cover;
}

[data-theme="dark"] .hero {
  background:
    linear-gradient(100deg, rgba(7, 20, 31, 0.98) 0%, rgba(7, 20, 31, 0.91) 55%, rgba(7, 20, 31, 0.5) 100%),
    url("assets/hero-house.webp") center / cover;
}

.hero-grid {
  display: grid;
  align-items: center;
  gap: var(--space-12);
}

.hero-copy {
  max-width: 49rem;
}

.hero h1 {
  max-width: 13ch;
  font-family: var(--font-display);
  font-size: var(--text-3xl);
  font-weight: 800;
  letter-spacing: -0.055em;
  line-height: 0.95;
  text-transform: uppercase;
}

.hero h1 span {
  color: var(--color-navy);
}

.hero-lede {
  max-width: 39rem;
  margin-top: var(--space-6);
  color: var(--color-muted);
  font-size: var(--text-lg);
  font-weight: 500;
  line-height: 1.45;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  margin-top: var(--space-8);
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-4) var(--space-6);
  margin-top: var(--space-8);
  color: var(--color-muted);
  font-size: var(--text-sm);
  font-weight: 600;
}

.trust-row span {
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
}

.trust-row svg {
  width: 1rem;
  color: var(--color-navy);
}

.calculator-wrap {
  position: relative;
  z-index: 5;
  width: min(calc(100% - (2 * var(--space-5))), var(--content-default));
  margin: calc(-1 * var(--space-24)) auto 0;
}

.calculator-card {
  display: grid;
  overflow: hidden;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  background: var(--color-surface);
  box-shadow: var(--shadow-lg);
}

.calculator-form,
.calculator-results {
  padding: clamp(var(--space-6), 4vw, var(--space-10));
}

.calculator-form h2,
.calculator-results h2 {
  font-family: var(--font-display);
  font-size: var(--text-xl);
  letter-spacing: -0.025em;
}

.calculator-form > p,
.calculator-results > p {
  margin-top: var(--space-2);
  color: var(--color-muted);
  font-size: var(--text-sm);
}

.field-grid {
  display: grid;
  gap: var(--space-4);
  margin-top: var(--space-6);
}

.field {
  display: grid;
  gap: var(--space-2);
}

.field label {
  color: var(--color-text);
  font-size: var(--text-xs);
  font-weight: 800;
}

.input-shell {
  display: flex;
  min-height: 3.25rem;
  align-items: center;
  gap: var(--space-2);
  padding-inline: var(--space-4);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-bg);
}

.input-shell:focus-within {
  border-color: var(--color-navy);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--color-sky) 28%, transparent);
}

.input-shell span {
  color: var(--color-muted);
  font-weight: 700;
}

.input-shell input,
.input-shell select {
  width: 100%;
  min-width: 0;
  border: 0;
  outline: 0;
  background: transparent;
  font-weight: 700;
}

.calculator-results {
  background: #083b78;
  color: #ffffff;
}

.calculator-results > p,
.calculator-results .fine-print {
  color: rgba(255, 255, 255, 0.72);
}

.payment {
  margin-top: var(--space-6);
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  font-variant-numeric: tabular-nums;
  font-weight: 800;
  letter-spacing: -0.04em;
}

.payment span {
  font-family: var(--font-body);
  font-size: var(--text-sm);
  font-weight: 500;
  letter-spacing: 0;
}

.estimate-list {
  display: grid;
  gap: var(--space-3);
  margin-top: var(--space-6);
  list-style: none;
}

.estimate-list li {
  display: flex;
  justify-content: space-between;
  gap: var(--space-4);
  padding-bottom: var(--space-3);
  border-bottom: 1px solid rgba(255, 255, 255, 0.18);
  color: rgba(255, 255, 255, 0.8);
  font-size: var(--text-sm);
}

.estimate-list strong {
  color: #ffffff;
  font-variant-numeric: tabular-nums;
}

.calculator-results .button {
  width: 100%;
  margin-top: var(--space-6);
}

.fine-print {
  margin-top: var(--space-4);
  font-size: var(--text-xs);
  line-height: 1.45;
}

.section {
  padding-block: clamp(var(--space-16), 8vw, var(--space-24));
}

.section--tight {
  padding-block: clamp(var(--space-10), 5vw, var(--space-16));
}

.section--blue {
  background: var(--color-surface-2);
}

.section-heading {
  display: grid;
  max-width: 48rem;
  gap: var(--space-4);
  margin-bottom: var(--space-10);
}

.section-heading h2 {
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  letter-spacing: -0.035em;
}

.section-heading p {
  color: var(--color-muted);
}

.loan-grid {
  display: grid;
  gap: var(--space-4);
}

.loan-card {
  position: relative;
  display: grid;
  min-height: 17rem;
  align-content: space-between;
  gap: var(--space-8);
  padding: var(--space-6);
  overflow: hidden;
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: var(--color-surface);
  text-decoration: none;
}

.loan-card::after {
  position: absolute;
  right: calc(-1 * var(--space-6));
  bottom: calc(-1 * var(--space-10));
  width: 9rem;
  height: 9rem;
  border: 1px solid color-mix(in srgb, var(--color-sky) 38%, transparent);
  border-radius: 50%;
  content: "";
}

.loan-card:nth-child(2) {
  background: #083b78;
  color: #ffffff;
}

.loan-card:nth-child(2) p,
.loan-card:nth-child(2) .text-link {
  color: rgba(255, 255, 255, 0.76);
}

.loan-card:hover {
  transform: translateY(calc(-1 * var(--space-1)));
  border-color: color-mix(in srgb, var(--color-navy) 45%, transparent);
  box-shadow: var(--shadow-md);
}

.loan-card h3 {
  position: relative;
  z-index: 1;
  max-width: 14ch;
  font-family: var(--font-display);
  font-size: var(--text-xl);
}

.loan-card p {
  position: relative;
  z-index: 1;
  margin-top: var(--space-3);
  color: var(--color-muted);
  font-size: var(--text-sm);
}

.text-link {
  position: relative;
  z-index: 1;
  display: inline-flex;
  align-items: center;
  gap: var(--space-2);
  color: var(--color-navy);
  font-size: var(--text-sm);
  font-weight: 800;
}

.process-grid {
  display: grid;
  gap: 0;
  counter-reset: process;
}

.process-step {
  position: relative;
  padding: var(--space-8) 0;
  border-top: 1px solid var(--color-border);
  counter-increment: process;
}

.process-step::before {
  display: block;
  margin-bottom: var(--space-4);
  color: var(--color-navy);
  content: "0" counter(process);
  font-size: var(--text-xs);
  font-weight: 800;
  letter-spacing: 0.1em;
}

.process-step h3 {
  font-size: var(--text-lg);
}

.process-step p {
  margin-top: var(--space-3);
  color: var(--color-muted);
  font-size: var(--text-sm);
}

.state-banner {
  position: relative;
  min-height: 30rem;
  display: grid;
  align-items: end;
  overflow: hidden;
  background:
    linear-gradient(90deg, rgba(4, 35, 70, 0.96), rgba(4, 35, 70, 0.48)),
    url("assets/first-time-homeowners.webp") center / cover;
  color: #ffffff;
}

.state-banner-content {
  padding-block: clamp(var(--space-16), 9vw, var(--space-24));
}

.state-banner h2 {
  max-width: 13ch;
  font-family: var(--font-display);
  font-size: var(--text-2xl);
}

.state-banner p {
  max-width: 42rem;
  margin-top: var(--space-4);
  color: rgba(255, 255, 255, 0.78);
}

.state-links {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
  margin-top: var(--space-6);
}

.resource-grid {
  display: grid;
  gap: var(--space-4);
}

.resource-card {
  display: grid;
  gap: var(--space-4);
  padding: var(--space-6);
  border-top: 1px solid var(--color-border);
  text-decoration: none;
}

.resource-card time,
.resource-card .category {
  color: var(--color-navy);
  font-size: var(--text-xs);
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.resource-card h3 {
  font-family: var(--font-display);
  font-size: var(--text-xl);
}

.resource-card p {
  color: var(--color-muted);
  font-size: var(--text-sm);
}

.resource-card:hover h3 {
  color: var(--color-navy);
}

.cta-band {
  padding-block: clamp(var(--space-16), 8vw, var(--space-24));
  background: #083b78;
  color: #ffffff;
}

.cta-band-grid {
  display: grid;
  align-items: end;
  gap: var(--space-8);
}

.cta-band h2 {
  max-width: 14ch;
  font-family: var(--font-display);
  font-size: var(--text-2xl);
}

.cta-band p {
  margin-top: var(--space-4);
  color: rgba(255, 255, 255, 0.75);
}

.cta-actions {
  display: flex;
  flex-wrap: wrap;
  gap: var(--space-3);
}

.page-hero {
  padding-block: clamp(var(--space-16), 8vw, var(--space-24));
  background: var(--color-surface-2);
}

.page-hero-grid {
  display: grid;
  gap: var(--space-10);
}

.page-hero h1 {
  max-width: 16ch;
  font-family: var(--font-display);
  font-size: var(--text-2xl);
  letter-spacing: -0.04em;
}

.page-hero p {
  max-width: 44rem;
  margin-top: var(--space-5);
  color: var(--color-muted);
  font-size: var(--text-lg);
}

.page-hero-aside {
  display: grid;
  gap: var(--space-3);
  padding: var(--space-6);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: var(--color-surface);
  box-shadow: var(--shadow-sm);
}

.page-hero-aside span {
  color: var(--color-navy);
  font-size: var(--text-xs);
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.page-content {
  padding-block: clamp(var(--space-12), 7vw, var(--space-20));
}

.content-layout {
  display: grid;
  gap: var(--space-10);
}

.prose {
  max-width: 46rem;
}

.prose h2 {
  margin-top: var(--space-10);
  font-family: var(--font-display);
  font-size: var(--text-xl);
  letter-spacing: -0.02em;
}

.prose h2:first-child {
  margin-top: 0;
}

.prose h3 {
  margin-top: var(--space-8);
  font-size: var(--text-lg);
}

.prose p,
.prose ul,
.prose ol {
  margin-top: var(--space-4);
  color: var(--color-muted);
}

.prose ul,
.prose ol {
  padding-left: var(--space-6);
}

.prose li + li {
  margin-top: var(--space-2);
}

.prose a {
  color: var(--color-navy);
  font-weight: 700;
}

.content-aside {
  align-self: start;
  display: grid;
  gap: var(--space-4);
}

.info-card {
  padding: var(--space-6);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: var(--color-surface);
}

.info-card h2,
.info-card h3 {
  font-size: var(--text-lg);
}

.info-card p,
.info-card ul {
  margin-top: var(--space-3);
  color: var(--color-muted);
  font-size: var(--text-sm);
}

.info-card ul {
  padding-left: var(--space-5);
}

.program-list {
  display: grid;
  gap: var(--space-3);
  margin-top: var(--space-5);
  list-style: none;
}

.program-list a {
  display: flex;
  min-height: 3.5rem;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-3) var(--space-4);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-bg);
  text-decoration: none;
}

.program-list a > svg {
  flex: 0 0 auto;
  width: 1.75rem;
  height: 1.75rem;
  padding: 0.42rem;
  border: 1px solid color-mix(in srgb, currentColor 22%, transparent);
  border-radius: 50%;
  background: color-mix(in srgb, var(--color-cyan) 12%, transparent);
  stroke-width: 1.8;
  transition:
    transform 180ms ease,
    border-color 180ms ease,
    background-color 180ms ease;
}

.program-list a:hover {
  border-color: var(--color-navy);
  color: var(--color-navy);
}

.program-list a:hover > svg,
.program-list a:focus-visible > svg {
  transform: translateX(0.18rem);
  border-color: currentColor;
  background: color-mix(in srgb, var(--color-cyan) 24%, transparent);
}

.application-grid,
.location-grid {
  display: grid;
  gap: var(--space-5);
}

.application-card,
.location-card {
  display: grid;
  align-content: start;
  gap: var(--space-4);
  padding: clamp(var(--space-6), 4vw, var(--space-8));
  border: 1px solid var(--color-border);
  border-radius: var(--radius-lg);
  background: var(--color-surface);
}

.application-card h2,
.location-card h2 {
  font-family: var(--font-display);
  font-size: var(--text-xl);
}

.application-card p,
.location-card p,
.location-card address {
  color: var(--color-muted);
  font-style: normal;
}

.application-card .button {
  justify-self: start;
  margin-top: auto;
}

.faq-list {
  display: grid;
  gap: var(--space-3);
}

.faq-item {
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  background: var(--color-surface);
}

.faq-question {
  display: flex;
  width: 100%;
  min-height: 4rem;
  align-items: center;
  justify-content: space-between;
  gap: var(--space-4);
  padding: var(--space-4) var(--space-5);
  color: var(--color-text);
  font-weight: 800;
  text-align: left;
}

.faq-question svg {
  flex: 0 0 auto;
  width: 1.25rem;
  transition: transform var(--transition);
}

.faq-question[aria-expanded="true"] svg {
  transform: rotate(45deg);
}

.faq-answer {
  display: none;
  padding: 0 var(--space-5) var(--space-5);
  color: var(--color-muted);
}

.faq-answer.is-open {
  display: block;
}

.contact-grid {
  display: grid;
  gap: var(--space-10);
}

.contact-form {
  display: grid;
  gap: var(--space-4);
  padding: clamp(var(--space-6), 5vw, var(--space-10));
  border: 1px solid var(--color-border);
  border-radius: var(--radius-xl);
  background: var(--color-surface);
  box-shadow: var(--shadow-md);
}

.form-row {
  display: grid;
  gap: var(--space-4);
}

.contact-form label {
  display: grid;
  gap: var(--space-2);
  color: var(--color-text);
  font-size: var(--text-sm);
  font-weight: 800;
}

.contact-form input,
.contact-form select,
.contact-form textarea {
  width: 100%;
  min-height: 3.25rem;
  padding: var(--space-3) var(--space-4);
  border: 1px solid var(--color-border);
  border-radius: var(--radius-md);
  outline: 0;
  background: var(--color-bg);
}

.contact-form textarea {
  min-height: 9rem;
  resize: vertical;
}

.contact-form input:focus,
.contact-form select:focus,
.contact-form textarea:focus {
  border-color: var(--color-navy);
  box-shadow: 0 0 0 3px color-mix(in srgb, var(--color-sky) 28%, transparent);
}

.form-status {
  display: none;
  padding: var(--space-3) var(--space-4);
  border-radius: var(--radius-md);
  background: color-mix(in srgb, var(--color-success) 12%, var(--color-surface));
  color: var(--color-success);
  font-size: var(--text-sm);
  font-weight: 700;
}

.form-status.is-visible {
  display: block;
}

.article-hero-image {
  aspect-ratio: 16 / 7;
  width: 100%;
  margin-bottom: var(--space-10);
  object-fit: cover;
}

.article-meta {
  margin-bottom: var(--space-5);
  color: var(--color-navy);
  font-size: var(--text-xs);
  font-weight: 800;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.site-footer {
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  background: #061f3b;
  color: #ffffff;
}

.footer-main {
  display: grid;
  gap: var(--space-10);
  padding-block: var(--space-16);
}

.footer-brand img {
  width: 15rem;
  padding: var(--space-1);
  border-radius: var(--radius-sm);
  background: #ffffff;
}

.footer-brand p {
  margin-top: var(--space-4);
  color: rgba(255, 255, 255, 0.64);
  font-size: var(--text-sm);
}

.footer-column h2 {
  margin-bottom: var(--space-4);
  font-size: var(--text-sm);
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.footer-column ul {
  display: grid;
  gap: var(--space-2);
  list-style: none;
}

.footer-column a,
.footer-column address {
  color: rgba(255, 255, 255, 0.66);
  font-size: var(--text-sm);
  font-style: normal;
  text-decoration: none;
}

.footer-column a:hover {
  color: #ffffff;
}

.footer-locations {
  padding-block: var(--space-8) var(--space-10);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
}

.footer-locations-heading {
  margin-bottom: var(--space-6);
}

.footer-locations-heading p {
  margin-bottom: var(--space-1);
  color: #77dff1;
  font-size: var(--text-xs);
  font-weight: 800;
  letter-spacing: 0.1em;
  text-transform: uppercase;
}

.footer-locations-heading h2 {
  font-size: var(--text-xl);
}

.footer-location-grid {
  display: grid;
  gap: var(--space-4);
}

.footer-location {
  padding: var(--space-5);
  border: 1px solid rgba(255, 255, 255, 0.14);
  border-radius: var(--radius-md);
  background: rgba(255, 255, 255, 0.045);
}

.footer-location h3 {
  margin-bottom: var(--space-3);
  color: #ffffff;
  font-size: var(--text-sm);
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.footer-location address,
.footer-location a {
  color: rgba(255, 255, 255, 0.68);
  font-size: var(--text-sm);
  font-style: normal;
  line-height: 1.65;
}

.footer-location a {
  display: block;
  width: fit-content;
  text-decoration: none;
}

.footer-location .footer-location-phone {
  margin-top: var(--space-3);
  color: #ffffff;
  font-weight: 800;
}

.footer-location a:last-child {
  margin-top: var(--space-2);
  color: #77dff1;
  font-size: var(--text-xs);
  font-weight: 800;
}

.footer-location a:hover {
  color: var(--color-accent);
}

.footer-legal {
  padding-block: var(--space-5);
  border-top: 1px solid rgba(255, 255, 255, 0.12);
  color: rgba(255, 255, 255, 0.55);
  font-size: var(--text-xs);
}

.footer-legal-inner {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: var(--space-3);
}

.footer-legal a {
  color: inherit;
}

@media (min-width: 42rem) {
  .field-grid,
  .form-row,
  .application-grid,
  .location-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .loan-grid,
  .resource-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .footer-location-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }

  .resource-card:first-child {
    grid-column: 1 / -1;
    padding-block: var(--space-10);
  }

  .process-grid {
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }

  .process-step {
    padding: var(--space-8);
    border-left: 1px solid var(--color-border);
  }

  .process-step:last-child {
    border-right: 1px solid var(--color-border);
  }
}

@media (min-width: 64rem) {
  .nav-toggle {
    display: none;
    margin-left: 0;
  }

  .site-nav {
    position: static;
    display: block;
    padding: 0;
    border: 0;
    background: transparent;
    box-shadow: none;
  }

  .nav-list {
    display: flex;
    align-items: center;
    gap: 0;
  }

  .nav-item:hover .submenu,
  .nav-item:focus-within .submenu,
  .nav-item.is-open .submenu {
    display: grid;
  }

  .submenu {
    position: absolute;
    top: 100%;
    left: 0;
    z-index: 20;
    width: 17rem;
    padding: var(--space-2);
    border: 1px solid var(--color-border);
    border-radius: var(--radius-lg);
    background: var(--color-surface);
    box-shadow: var(--shadow-lg);
  }

  .header-actions {
    display: flex;
  }

  .header-actions .button {
    display: inline-flex;
  }

  .hero {
    min-height: 45rem;
  }

  .hero-grid {
    grid-template-columns: minmax(0, 1.15fr) minmax(18rem, 0.85fr);
  }

  .hero-copy {
    grid-column: 1;
  }

  .calculator-card {
    grid-template-columns: minmax(0, 1.15fr) minmax(18rem, 0.85fr);
  }

  .loan-grid {
    grid-template-columns: 1.2fr 0.8fr 1fr;
  }

  .loan-card:nth-child(4) {
    grid-column: 1 / 3;
  }

  .cta-band-grid,
  .page-hero-grid {
    grid-template-columns: minmax(0, 1fr) minmax(20rem, 0.45fr);
  }

  .cta-actions {
    justify-content: flex-end;
  }

  .content-layout {
    grid-template-columns: minmax(0, 1fr) 20rem;
  }

  .content-aside {
    position: sticky;
    top: 6.5rem;
  }

  .contact-grid {
    grid-template-columns: 0.8fr 1.2fr;
  }

  .footer-main {
    grid-template-columns: 1.3fr 0.8fr 0.8fr 1fr;
  }

  .footer-location-grid {
    grid-template-columns: repeat(4, minmax(0, 1fr));
  }
}

@media (max-width: 76rem) and (min-width: 64rem) {
  .nav-link,
  .nav-button {
    padding-inline: var(--space-2);
    font-size: var(--text-xs);
  }

  .header-actions .button--secondary {
    display: none;
  }
}

@media (max-width: 26rem) {
  .brand img {
    width: 11rem;
  }

  .hero-actions .button,
  .cta-actions .button,
  .state-links .button {
    width: 100%;
  }
}