:root {
    --bg: #f3ede2;
    --surface: rgba(255, 252, 247, 0.84);
    --surface-strong: #fffdf9;
    --surface-muted: rgba(247, 240, 229, 0.72);
    --text: #112036;
    --muted: #5c6675;
    --line: rgba(17, 32, 54, 0.12);
    --brand: #112a4c;
    --brand-strong: #b07f45;
    --accent: #ead8b8;
    --success: #1e7b56;
    --error: #b45151;
    --shadow: 0 32px 84px rgba(19, 27, 40, 0.12);
    --shadow-soft: 0 18px 40px rgba(19, 27, 40, 0.08);
    --radius-xxl: 40px;
    --radius-lg: 28px;
    --radius-md: 22px;
    --radius-sm: 16px;
    --font-body: "Manrope", "Segoe UI", sans-serif;
    --font-display: "Newsreader", Georgia, serif;
    --motion-fast: 180ms;
    --motion-base: 260ms;
    --motion-enter: cubic-bezier(0.16, 1, 0.3, 1);
    --motion-soft: cubic-bezier(0.22, 1, 0.36, 1);
    --hover-lift: -3px;
}

body.theme-fairchoice {
    --bg: #edf5f7;
    --surface: rgba(248, 252, 255, 0.88);
    --surface-strong: rgba(255, 255, 255, 0.98);
    --surface-muted: rgba(223, 238, 245, 0.78);
    --text: #102538;
    --muted: #4e6274;
    --line: rgba(10, 41, 64, 0.12);
    --brand: #0d2642;
    --brand-strong: #11a6a0;
    --accent: #d2efed;
    --shadow: 0 34px 90px rgba(9, 32, 50, 0.14);
    --shadow-soft: 0 18px 42px rgba(9, 32, 50, 0.09);
}

body.theme-fairchoice {
    background:
        radial-gradient(circle at 12% 12%, rgba(17, 166, 160, 0.14), transparent 24%),
        radial-gradient(circle at 86% 16%, rgba(176, 127, 69, 0.16), transparent 23%),
        radial-gradient(circle at 48% 88%, rgba(13, 38, 66, 0.12), transparent 26%),
        linear-gradient(180deg, #f7fbfc 0%, var(--bg) 100%);
}

body.theme-education {
    --bg: #edf6ef;
    --surface: rgba(250, 255, 251, 0.86);
    --surface-muted: rgba(236, 247, 240, 0.74);
    --brand: #0f5d5d;
    --brand-strong: #4f9b78;
    --accent: #d7ead7;
}

body.theme-pet {
    --bg: #f7efe3;
    --surface: rgba(255, 251, 246, 0.88);
    --surface-muted: rgba(250, 240, 225, 0.8);
    --brand: #475f34;
    --brand-strong: #d37a4f;
    --accent: #f0d9b0;
}

body.theme-crm,
body.theme-help {
    --bg: #edf3f8;
    --surface: rgba(250, 253, 255, 0.9);
    --surface-muted: rgba(234, 243, 250, 0.82);
    --brand: #1d4673;
    --brand-strong: #5b85b5;
    --accent: #dce8f5;
}

body.theme-apply {
    --bg: #f8ede8;
    --surface: rgba(255, 251, 248, 0.9);
    --surface-muted: rgba(248, 233, 225, 0.84);
    --brand: #823727;
    --brand-strong: #cb7652;
    --accent: #f0d0c4;
}

body.theme-ops {
    --bg: #eef2f7;
    --surface: rgba(251, 253, 255, 0.92);
    --surface-muted: rgba(237, 243, 250, 0.84);
    --brand: #354b66;
    --brand-strong: #6b88ad;
    --accent: #dde7f1;
}

* {
    box-sizing: border-box;
}

html {
    scroll-behavior: smooth;
}

html,
body {
    margin: 0;
    padding: 0;
}

body {
    min-height: 100vh;
    background:
        radial-gradient(circle at 8% 8%, rgba(176, 127, 69, 0.15), transparent 28%),
        radial-gradient(circle at 82% 10%, rgba(17, 42, 76, 0.16), transparent 25%),
        linear-gradient(180deg, #fbf7f1 0%, var(--bg) 100%);
    color: var(--text);
    font-family: var(--font-body);
    line-height: 1.6;
}

body.shell-admin {
    background: #f3f5f9;
    color: #172033;
}

body.shell-admin::before,
body.shell-admin::after {
    content: none;
    display: none;
}

body::before {
    content: "";
    position: fixed;
    inset: 0;
    background-image:
        linear-gradient(rgba(255, 255, 255, 0.08) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.08) 1px, transparent 1px);
    background-size: 48px 48px;
    opacity: 0.22;
    pointer-events: none;
    z-index: 0;
}

body.theme-fairchoice::before {
    background-image:
        linear-gradient(rgba(255, 255, 255, 0.1) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.1) 1px, transparent 1px),
        radial-gradient(circle at 24% 22%, rgba(255, 255, 255, 0.28), transparent 34%);
    background-size: 52px 52px, 52px 52px, 100% 100%;
    opacity: 0.14;
}

body.theme-fairchoice::after {
    content: "";
    position: fixed;
    inset: auto 0 0;
    height: min(42vh, 34rem);
    background:
        linear-gradient(180deg, transparent 0%, rgba(13, 38, 66, 0.05) 42%, rgba(17, 166, 160, 0.08) 100%);
    pointer-events: none;
    z-index: 0;
}

body.theme-fairchoice .site-header-inner,
body.theme-fairchoice .admin-topbar-inner,
body.theme-fairchoice .utility-ribbon-inner {
    background: rgba(255, 255, 255, 0.7);
    border-color: rgba(13, 38, 66, 0.1);
    box-shadow: 0 20px 42px rgba(13, 38, 66, 0.08);
}

a {
    color: inherit;
    text-decoration: none;
}

button,
input,
select,
textarea {
    font: inherit;
}

img {
    display: block;
    max-width: 100%;
}

:focus-visible {
    outline: 3px solid var(--brand-strong);
    outline-offset: 3px;
}

.page-shell {
    position: relative;
    z-index: 1;
}

.container {
    width: min(1180px, calc(100% - 2rem));
    margin: 0 auto;
}

.page-main {
    padding-bottom: 5rem;
}

.shell-public .site-header,
.shell-public .admin-topbar {
    position: sticky;
    top: 0.6rem;
    z-index: 30;
}

.utility-ribbon,
.site-header,
.admin-topbar,
.hero-copy,
.hero-panel,
.content-card,
.lead-card,
.feature-card,
.site-footer,
.flash {
    position: relative;
    z-index: 1;
}

.utility-ribbon {
    padding-top: 1rem;
}

.utility-ribbon-inner,
.site-header-inner,
.admin-topbar-inner,
.footer-grid,
.hero-grid,
.split-grid,
.content-grid,
.card-grid,
.metric-grid,
.rates-grid,
.rates-layout {
    display: grid;
    gap: 1.2rem;
}

.utility-ribbon-inner {
    grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr) auto;
    align-items: center;
    padding: 1rem 1.15rem;
    border-radius: 999px;
    border: 1px solid var(--line);
    background: rgba(255, 255, 255, 0.72);
    backdrop-filter: blur(16px);
    box-shadow: var(--shadow-soft);
}

.utility-ribbon-copy {
    display: grid;
    gap: 0.2rem;
}

.utility-ribbon-copy p {
    margin: 0;
    color: var(--muted);
    font-size: 0.92rem;
}

.utility-list,
.utility-links,
.topbar-actions,
.primary-nav,
.tag-row {
    display: flex;
    align-items: center;
    gap: 0.75rem;
    flex-wrap: wrap;
}

.utility-list {
    margin: 0;
    padding: 0;
    list-style: none;
}

.utility-list li {
    display: inline-flex;
    align-items: center;
    gap: 0.45rem;
    padding: 0.45rem 0.8rem;
    border-radius: 999px;
    background: rgba(17, 42, 76, 0.06);
    color: var(--muted);
    font-size: 0.84rem;
    font-weight: 700;
}

.utility-list li::before {
    content: "";
    width: 0.45rem;
    height: 0.45rem;
    border-radius: 999px;
    background: linear-gradient(135deg, var(--brand) 0%, var(--brand-strong) 100%);
}

.utility-links {
    justify-content: flex-end;
    font-size: 0.92rem;
    font-weight: 700;
}

.ribbon-badge,
.eyebrow,
.section-label,
.panel-label,
.footer-label {
    text-transform: uppercase;
    letter-spacing: 0.16em;
    font-size: 0.75rem;
    font-weight: 800;
    color: var(--brand);
}

.site-header,
.admin-topbar {
    padding-top: 1rem;
}

.site-header-inner,
.admin-topbar-inner {
    grid-template-columns: auto 1fr;
    align-items: center;
    padding: 1rem 1.2rem;
    border: 1px solid var(--line);
    border-radius: 999px;
    background: rgba(255, 252, 247, 0.8);
    backdrop-filter: blur(18px);
    box-shadow: var(--shadow-soft);
}

.brand-lockup {
    display: inline-flex;
    align-items: center;
    gap: 0.9rem;
}

.brand-logo-shell {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 3rem;
    padding: 0.5rem 0.8rem;
    border-radius: 1rem;
    background: rgba(255, 255, 255, 0.92);
    box-shadow: 0 16px 34px rgba(13, 38, 66, 0.12);
}

.brand-logo-image {
    width: clamp(132px, 16vw, 182px);
    height: auto;
}

.brand-mark {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 3rem;
    height: 3rem;
    border-radius: 1rem;
    background: linear-gradient(135deg, var(--brand) 0%, var(--brand-strong) 100%);
    color: #fff;
    font-weight: 800;
}

.brand-copy {
    display: grid;
    gap: 0.2rem;
}

.brand-copy strong {
    font-size: 1rem;
    line-height: 1.1;
}

.brand-copy span,
.hero-body,
.feature-card p,
.panel-card p,
.rate-card p,
.section-heading p,
.muted,
.footer-card p,
.lead-note {
    color: var(--muted);
}

.nav-shell {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
}

.menu-toggle {
    display: none;
    width: 3rem;
    height: 3rem;
    border-radius: 999px;
    border: 1px solid var(--line);
    background: rgba(255, 255, 255, 0.82);
    padding: 0;
}

.menu-toggle span {
    display: block;
    width: 1.1rem;
    height: 2px;
    margin: 0.32rem auto;
    background: var(--text);
}

.ghost-link,
.button-primary,
.button-secondary {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    min-height: 3rem;
    padding: 0 1rem;
    border-radius: 999px;
    border: 1px solid transparent;
    font-weight: 800;
    transition:
        transform var(--motion-fast) var(--motion-enter),
        box-shadow var(--motion-fast) var(--motion-soft),
        background-color var(--motion-fast) linear,
        border-color var(--motion-fast) linear,
        color var(--motion-fast) linear,
        filter var(--motion-fast) linear;
}

.ghost-link:hover,
.button-primary:hover,
.button-secondary:hover {
    transform: translateY(var(--hover-lift));
}

.ghost-link,
.button-secondary {
    background: rgba(255, 255, 255, 0.8);
    border-color: var(--line);
}

.ghost-link.is-active {
    background: rgba(17, 42, 76, 0.08);
    border-color: rgba(17, 42, 76, 0.18);
}

.ghost-link.is-inline {
    width: fit-content;
}

.button-primary {
    color: #fff;
    background: linear-gradient(135deg, #0d2642 0%, #123a5c 58%, #11a6a0 120%);
    box-shadow: 0 18px 34px rgba(13, 38, 66, 0.2);
}

.button-secondary {
    border-color: rgba(13, 38, 66, 0.09);
}

body.theme-fairchoice .button-secondary,
body.theme-fairchoice .ghost-link {
    background: rgba(255, 255, 255, 0.74);
    border-color: rgba(13, 38, 66, 0.1);
}

body.theme-fairchoice .ghost-link.is-active {
    background: rgba(17, 166, 160, 0.1);
    border-color: rgba(17, 166, 160, 0.18);
}

.hero-copy--mortgage .button-primary,
.hero-section--mortgage .button-primary {
    box-shadow:
        0 18px 36px rgba(17, 166, 160, 0.2),
        0 6px 18px rgba(13, 38, 66, 0.14);
}

.flash-stack {
    padding-top: 1rem;
}

.flash {
    padding: 1rem 1.1rem;
    border-radius: var(--radius-sm);
    border: 1px solid var(--line);
    background: var(--surface);
}

.flash + .flash {
    margin-top: 0.75rem;
}

.flash-success {
    border-color: rgba(30, 123, 86, 0.16);
    color: var(--success);
}

.flash-error {
    border-color: rgba(180, 81, 81, 0.16);
    color: var(--error);
}

.hero-section,
.subpage-hero,
.content-section,
.feature-section,
.rates-section,
.admin-section {
    padding-top: 1.5rem;
}

.admin-auth {
    padding-top: 1.5rem;
}

.hero-section--mortgage {
    position: relative;
    padding-top: 2rem;
}

.hero-section--mortgage::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 8% 22%, rgba(17, 166, 160, 0.18), transparent 26%),
        radial-gradient(circle at 92% 20%, rgba(13, 38, 66, 0.16), transparent 24%);
    pointer-events: none;
}

.hero-section--mortgage::after {
    content: "";
    position: absolute;
    inset: 10% 2% auto auto;
    width: min(42vw, 30rem);
    height: min(42vw, 30rem);
    border-radius: 50%;
    background:
        radial-gradient(circle at 52% 52%, transparent 0 22%, rgba(255, 255, 255, 0.14) 22.4% 24.4%, transparent 24.8%),
        radial-gradient(circle at 52% 52%, rgba(17, 166, 160, 0.12) 0 8%, transparent 8.4%),
        linear-gradient(135deg, transparent 44%, rgba(255, 255, 255, 0.08) 44.4% 46%, transparent 46.4%),
        linear-gradient(45deg, transparent 44%, rgba(255, 255, 255, 0.08) 44.4% 46%, transparent 46.4%),
        linear-gradient(180deg, transparent 0 55%, rgba(255, 255, 255, 0.08) 55.4% 60%, transparent 60.4%);
    opacity: 0.34;
    filter: blur(0.4px);
    transform: rotate(10deg);
    pointer-events: none;
}

.hero-grid {
    grid-template-columns: minmax(0, 1.1fr) minmax(320px, 0.9fr);
    align-items: stretch;
}

.hero-grid--mortgage {
    grid-template-columns: minmax(0, 1.1fr) minmax(340px, 0.9fr);
}

.hero-grid--tight {
    grid-template-columns: minmax(0, 1.25fr) minmax(280px, 0.75fr);
}

.split-grid {
    grid-template-columns: minmax(0, 1.2fr) minmax(320px, 0.8fr);
    align-items: start;
}

.split-grid--wide {
    grid-template-columns: minmax(0, 1.15fr) minmax(0, 0.85fr);
}

.content-grid {
    grid-template-columns: minmax(0, 1.2fr) minmax(280px, 0.8fr);
}

.footer-grid {
    grid-template-columns: 1.25fr 0.8fr 0.95fr 0.9fr;
}

.card-grid,
.metric-grid,
.rates-grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

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

.metric-grid--inline {
    grid-template-columns: repeat(4, minmax(0, 1fr));
    margin-top: 1.8rem;
}

.rates-layout {
    grid-template-columns: minmax(0, 1.25fr) minmax(300px, 0.75fr);
    align-items: start;
}

.hero-copy,
.hero-panel,
.content-card,
.feature-card,
.site-footer,
.admin-section > .container > *,
.flash,
.lead-card {
    border: 1px solid var(--line);
    border-radius: var(--radius-xxl);
    background: var(--surface);
    box-shadow: var(--shadow);
    backdrop-filter: blur(18px);
}

.form-card {
    border: 1px solid var(--line);
    border-radius: var(--radius-lg);
    background: var(--surface);
    box-shadow: var(--shadow);
    backdrop-filter: blur(18px);
    padding: 2rem;
}

.hero-copy,
.hero-panel,
.content-card,
.lead-card {
    padding: 2rem;
}

.content-card,
.lead-card,
.metric-card,
.rate-card,
.result-card {
    transition:
        transform var(--motion-base) var(--motion-enter),
        box-shadow var(--motion-base) var(--motion-soft),
        border-color var(--motion-base) linear,
        background-color var(--motion-base) linear;
}

.hero-copy--mortgage {
    padding: 2.4rem;
    min-height: clamp(640px, 72vh, 860px);
    overflow: hidden;
    color: #eef7fb;
    background:
        radial-gradient(circle at top right, rgba(17, 166, 160, 0.32), transparent 26%),
        radial-gradient(circle at 15% 82%, rgba(176, 127, 69, 0.18), transparent 22%),
        linear-gradient(145deg, rgba(8, 28, 48, 0.98) 0%, rgba(17, 51, 79, 0.96) 48%, rgba(18, 95, 109, 0.92) 100%);
    border-color: rgba(17, 166, 160, 0.18);
    box-shadow:
        0 30px 70px rgba(8, 28, 48, 0.22),
        inset 0 1px 0 rgba(255, 255, 255, 0.08);
}

.hero-copy--mortgage > * {
    position: relative;
    z-index: 1;
}

.hero-copy--mortgage::before {
    content: "";
    position: absolute;
    inset: auto -6% -14% auto;
    width: min(360px, 58%);
    height: min(360px, 58%);
    border-radius: 999px;
    background: radial-gradient(circle, rgba(255, 255, 255, 0.18) 0%, rgba(255, 255, 255, 0) 68%);
    z-index: 0;
    pointer-events: none;
}

.hero-copy--mortgage::after {
    content: "";
    position: absolute;
    inset: 0;
    background:
        radial-gradient(circle at 79% 28%, rgba(255, 255, 255, 0.18) 0 5%, transparent 5.4%),
        radial-gradient(circle at 79% 28%, transparent 0 9%, rgba(255, 255, 255, 0.12) 9.4% 10.8%, transparent 11%),
        linear-gradient(135deg, transparent 46.4%, rgba(255, 255, 255, 0.12) 46.8% 48.2%, transparent 48.6%),
        linear-gradient(45deg, transparent 46.4%, rgba(255, 255, 255, 0.12) 46.8% 48.2%, transparent 48.6%),
        linear-gradient(180deg, transparent 0 57%, rgba(255, 255, 255, 0.09) 57.4% 61%, transparent 61.4%);
    opacity: 0.42;
    transform: translateX(2%) rotate(3deg);
    z-index: 0;
    pointer-events: none;
}

.hero-copy--mortgage .eyebrow,
.hero-copy--mortgage .hero-body,
.hero-copy--mortgage .metric-card span,
.hero-copy--mortgage .hero-proof-card span {
    color: rgba(234, 244, 249, 0.84);
}

.hero-copy--mortgage h1 {
    text-shadow: 0 16px 40px rgba(5, 19, 34, 0.34);
}

.hero-copy--mortgage .hero-body--large {
    max-width: 34rem;
    font-size: 1.16rem;
}

.hero-copy--mortgage .button-secondary {
    background: rgba(255, 255, 255, 0.12);
    border-color: rgba(255, 255, 255, 0.18);
    color: #ffffff;
}

.hero-copy--mortgage .button-secondary:hover {
    background: rgba(255, 255, 255, 0.18);
}

.hero-copy--mortgage .metric-card,
.hero-copy--mortgage .hero-proof-card {
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.1), rgba(255, 255, 255, 0.06));
    border-color: rgba(255, 255, 255, 0.12);
    box-shadow: none;
}

.hero-proof-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 0.95rem;
    margin-top: 1.45rem;
}

.hero-proof-card {
    display: grid;
    gap: 0.45rem;
    padding: 1rem 1.05rem 1rem 1rem;
    border-radius: var(--radius-md);
    position: relative;
    overflow: hidden;
}

.hero-proof-card::before {
    content: "";
    display: block;
    width: 2.2rem;
    height: 2.2rem;
    border-radius: 0.85rem;
    background:
        radial-gradient(circle at 50% 50%, rgba(255, 255, 255, 0.34) 0 22%, transparent 23%),
        linear-gradient(135deg, rgba(17, 166, 160, 0.94), rgba(13, 38, 66, 0.92));
    box-shadow: 0 16px 24px rgba(5, 19, 34, 0.18);
}

.hero-proof-card:nth-child(1)::before {
    border-radius: 999px;
    background:
        radial-gradient(circle at 44% 44%, rgba(255, 255, 255, 0.26) 0 20%, transparent 21%),
        linear-gradient(135deg, rgba(176, 127, 69, 0.92), rgba(13, 38, 66, 0.94));
}

.hero-proof-card:nth-child(2)::before {
    clip-path: polygon(50% 0%, 100% 38%, 100% 100%, 0% 100%, 0% 38%);
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.16), transparent 48%),
        linear-gradient(135deg, rgba(17, 166, 160, 0.96), rgba(13, 38, 66, 0.94));
}

.hero-proof-card:nth-child(3)::before {
    background:
        linear-gradient(135deg, rgba(255, 255, 255, 0.12), rgba(255, 255, 255, 0) 55%),
        linear-gradient(135deg, rgba(17, 166, 160, 0.96), rgba(176, 127, 69, 0.92));
}

.hero-proof-card strong {
    margin-top: 0.25rem;
    font-size: 0.98rem;
    line-height: 1.2;
}

.hero-proof-card span {
    font-size: 0.9rem;
    line-height: 1.55;
}

.hero-copy h1,
.section-heading h2,
.lead-card h2,
.content-card h2,
.admin-section h1,
.feature-card h3,
.content-card h3 {
    margin: 0.3rem 0 0.75rem;
    font-family: var(--font-display);
    line-height: 0.98;
    letter-spacing: -0.02em;
}

.hero-copy h1 {
    font-size: clamp(3.2rem, 7vw, 5.8rem);
    max-width: 12ch;
}

.section-heading h2,
.lead-card h2,
.content-card h2,
.admin-section h1 {
    font-size: clamp(2.15rem, 4vw, 3.45rem);
}

.feature-card h3,
.content-card h3 {
    font-size: 1.55rem;
}

.hero-body {
    max-width: 62ch;
}

.hero-body--large {
    font-size: 1.08rem;
}

.section-heading--compact {
    max-width: 60rem;
}

.hero-actions,
.editor-form,
.sidebar-stack,
.estimator-form,
.estimator-results {
    display: grid;
    gap: 1rem;
}

.admin-auth .editor-form {
    margin-top: 1.2rem;
}

.hero-actions {
    grid-template-columns: repeat(auto-fit, minmax(220px, max-content));
    align-items: center;
    margin-top: 1.6rem;
}

.panel-card,
.metric-card,
.rate-card,
.result-card {
    border-radius: var(--radius-md);
}

.panel-card {
    padding: 1.6rem;
    min-height: 100%;
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.95) 0%, rgba(247, 240, 229, 0.88) 100%);
    border: 1px solid rgba(17, 32, 54, 0.08);
}

.panel-card strong,
.metric-card strong,
.rate-card strong,
.result-card strong {
    display: block;
}

.shell-public .content-card,
.shell-public .lead-card,
.shell-public .metric-card,
.shell-public .rate-card,
.shell-public .result-card,
.shell-public .panel-card,
.shell-public .feature-card {
    padding: 1.3rem;
    background: rgba(255, 255, 255, 0.74);
    border: 1px solid rgba(17, 32, 54, 0.08);
    border-radius: var(--radius-md);
}

.shell-public .feature-card {
    position: relative;
    overflow: hidden;
    transition:
        transform var(--motion-base) var(--motion-enter),
        box-shadow var(--motion-base) var(--motion-soft),
        border-color var(--motion-base) linear,
        background-color var(--motion-base) linear;
}

.shell-public .feature-card::before {
    content: "";
    position: absolute;
    inset: 0 0 auto 0;
    height: 4px;
    background: linear-gradient(90deg, rgba(17, 166, 160, 0) 0%, rgba(17, 166, 160, 0.88) 42%, rgba(13, 38, 66, 0.8) 100%);
    opacity: 0;
    transition: opacity 0.24s ease;
}

.shell-public .feature-card:hover {
    transform: translateY(-4px);
    box-shadow: 0 26px 54px rgba(13, 38, 66, 0.13);
    border-color: rgba(17, 166, 160, 0.2);
    background: rgba(255, 255, 255, 0.88);
}

.shell-public .feature-card:hover::before {
    opacity: 1;
}

@media (hover: hover) and (pointer: fine) {
    .shell-public .content-card:hover,
    .shell-public .lead-card:hover,
    .shell-public .feature-card:hover,
    .shell-public .metric-card:hover,
    .shell-public .rate-card:hover,
    .shell-public .result-card:hover,
    .shell-public .panel-card:hover {
        transform: translateY(var(--hover-lift));
        box-shadow: 0 28px 60px rgba(13, 38, 66, 0.12);
        border-color: rgba(17, 166, 160, 0.18);
        background-color: rgba(255, 255, 255, 0.88);
    }

    .shell-public .content-card:hover,
    .shell-public .lead-card:hover,
    .shell-public .feature-card:hover {
        box-shadow: 0 30px 62px rgba(13, 38, 66, 0.13);
    }

    .shell-public .feature-card:hover::before {
        opacity: 1;
    }
}

.shell-public .content-card:focus-within,
.shell-public .lead-card:focus-within,
.shell-public .feature-card:focus-within,
.shell-public .metric-card:focus-within,
.shell-public .rate-card:focus-within,
.shell-public .result-card:focus-within,
.shell-public .panel-card:focus-within {
    border-color: rgba(17, 166, 160, 0.18);
    box-shadow: 0 28px 60px rgba(13, 38, 66, 0.12);
}

.metric-card strong,
.result-card strong {
    font-size: 1.15rem;
}

.rate-card strong {
    font-size: 1.55rem;
}

.hero-panel--estimator {
    display: grid;
    gap: 1rem;
    background: transparent;
    border: none;
    box-shadow: none;
    padding: 0;
}

.hero-visual-stack,
.hero-visual-grid {
    display: grid;
    gap: 1rem;
}

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

.hero-visual-card {
    padding: 0;
    overflow: hidden;
    border-color: rgba(17, 166, 160, 0.14);
    box-shadow: 0 24px 52px rgba(13, 38, 66, 0.1);
}

.hero-visual-card img {
    width: 100%;
    height: 100%;
    object-fit: cover;
}

.hero-visual-card--primary {
    position: relative;
    min-height: 21rem;
    background: #dfe9ee;
}

.hero-visual-card--primary::after {
    content: "";
    position: absolute;
    inset: 0;
    background:
        linear-gradient(180deg, rgba(7, 29, 48, 0.02) 0%, rgba(7, 29, 48, 0.16) 42%, rgba(7, 29, 48, 0.8) 100%);
    pointer-events: none;
}

.hero-visual-caption {
    position: absolute;
    inset: auto 0 0;
    z-index: 1;
    display: grid;
    gap: 0.5rem;
    padding: 1.3rem 1.35rem 1.45rem;
    color: #f4fbff;
}

.hero-visual-caption .panel-label,
.hero-visual-inline-copy .panel-label {
    color: rgba(223, 245, 246, 0.88);
}

.hero-visual-caption strong,
.hero-visual-inline-copy strong {
    display: block;
    line-height: 1.1;
}

.hero-visual-caption strong {
    font-size: 1.55rem;
}

.hero-visual-caption p {
    margin: 0;
    color: rgba(241, 247, 251, 0.82);
}

.hero-visual-card--detail {
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.98) 0%, rgba(237, 245, 248, 0.95) 100%);
}

.hero-visual-card--detail img {
    aspect-ratio: 1 / 1;
}

.hero-visual-inline-copy {
    display: grid;
    gap: 0.35rem;
    padding: 1rem 1rem 1.1rem;
}

.hero-visual-inline-copy strong {
    font-size: 1.02rem;
}

.mortgage-signal-card {
    background:
        radial-gradient(circle at 84% 18%, rgba(17, 166, 160, 0.12), transparent 24%),
        linear-gradient(180deg, rgba(250, 254, 255, 0.98) 0%, rgba(232, 245, 247, 0.92) 100%);
    box-shadow: 0 24px 52px rgba(13, 38, 66, 0.1);
    border-color: rgba(17, 166, 160, 0.14);
}

.mortgage-signal-card strong {
    margin-top: 0.4rem;
    font-size: 1.48rem;
    line-height: 1.08;
}

.mortgage-signal-card .linked-list li {
    position: relative;
    padding-left: 0.2rem;
}

.mortgage-signal-card .linked-list li::marker {
    color: var(--brand-strong);
}

.estimator-card {
    display: grid;
    gap: 1rem;
    padding: 2rem;
    min-height: 100%;
    background:
        radial-gradient(circle at top right, rgba(234, 216, 184, 0.78), transparent 32%),
        radial-gradient(circle at 10% 84%, rgba(17, 166, 160, 0.08), transparent 26%),
        linear-gradient(180deg, rgba(255, 255, 255, 0.96) 0%, rgba(246, 238, 226, 0.94) 100%);
    border: 1px solid rgba(17, 32, 54, 0.08);
    border-radius: var(--radius-xxl);
    box-shadow: 0 28px 66px rgba(13, 38, 66, 0.12);
}

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

.estimator-form label,
.lead-form label,
.editor-form label {
    display: grid;
    gap: 0.4rem;
    font-size: 0.92rem;
    font-weight: 700;
}

.estimator-form input,
.lead-form input,
.lead-form select,
.lead-form textarea,
.editor-form input,
.editor-form select,
.editor-form textarea {
    width: 100%;
    padding: 0.95rem 1rem;
    border-radius: 1.05rem;
    border: 1px solid rgba(17, 42, 76, 0.16);
    background: rgba(255, 255, 255, 0.94);
    color: var(--text);
}

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

.result-card span,
.rate-card span {
    display: block;
    font-size: 0.82rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.12em;
    color: var(--muted);
}

.estimator-note {
    margin: 0;
    font-size: 0.84rem;
    color: var(--muted);
}

.stack-card {
    display: grid;
    gap: 0.85rem;
}

.richtext section + section,
.richtext .content-band + .content-band {
    margin-top: 1.4rem;
}

.richtext p {
    margin: 0.95rem 0 0;
}

.richtext ul,
.linked-list,
.footer-list {
    margin: 0.9rem 0 0;
    padding-left: 1.1rem;
}

.linked-list--spacious li + li,
.linked-list li + li,
.footer-list li + li,
.richtext li + li {
    margin-top: 0.48rem;
}

.richtext .content-band,
.richtext .story-card,
.richtext .note-card,
.richtext .faq-item,
.richtext .process-card,
.richtext .quote-card,
.richtext .stat-band {
    padding: 1.3rem;
    border-radius: var(--radius-md);
    border: 1px solid rgba(17, 32, 54, 0.08);
    background: rgba(255, 255, 255, 0.74);
}

.richtext .grid-two,
.richtext .grid-three,
.richtext .process-grid,
.richtext .quote-grid,
.richtext .stat-band {
    display: grid;
    gap: 1rem;
}

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

.richtext .grid-three,
.richtext .process-grid,
.richtext .quote-grid,
.richtext .stat-band {
    grid-template-columns: repeat(3, minmax(0, 1fr));
}

.richtext details {
    margin-top: 0.8rem;
}

.richtext summary {
    cursor: pointer;
    font-weight: 800;
}

.feature-card--action,
.feature-card--process {
    display: grid;
    align-content: start;
}

.process-number {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    width: 3rem;
    height: 3rem;
    border-radius: 999px;
    margin-bottom: 1rem;
    background: rgba(17, 42, 76, 0.08);
    color: var(--brand);
    font-weight: 800;
}

.group-block + .group-block {
    margin-top: 2rem;
}

.group-heading h3,
.footer-group-title {
    margin: 0 0 0.75rem;
    font-family: var(--font-body);
    font-size: 0.9rem;
    font-weight: 800;
    text-transform: uppercase;
    letter-spacing: 0.14em;
    color: var(--muted);
}

.lead-card {
    background:
        radial-gradient(circle at top right, rgba(234, 216, 184, 0.18), transparent 30%),
        linear-gradient(145deg, rgba(17, 42, 76, 0.98) 0%, rgba(32, 61, 99, 0.96) 100%);
    color: #fff;
}

.lead-card .eyebrow,
.lead-card .section-heading p,
.lead-card .lead-note {
    color: rgba(255, 255, 255, 0.76);
}

.lead-card h2 {
    color: #fff;
}

.lead-form {
    display: grid;
    gap: 0.9rem;
}

.lead-card .button-primary {
    background: #fff;
    color: var(--brand);
    box-shadow: none;
}

.lead-note {
    margin: 1rem 0 0;
    font-size: 0.88rem;
}

.tag-row {
    gap: 0.8rem;
    margin-bottom: 1rem;
}

.tag-chip {
    display: inline-flex;
    align-items: center;
    padding: 0.55rem 0.95rem;
    border-radius: 999px;
    background: rgba(17, 42, 76, 0.08);
    border: 1px solid rgba(17, 42, 76, 0.08);
    font-size: 0.88rem;
    font-weight: 800;
}

.site-footer {
    margin-top: 2rem;
    padding: 2rem;
}

.footer-card {
    display: grid;
    align-content: start;
    gap: 0.55rem;
}

.footer-card--brand {
    gap: 0.75rem;
}

.footer-link {
    font-weight: 800;
}

.footer-html {
    margin-top: 0.5rem;
}

.footer-html p {
    margin: 0;
}

.compact-card {
    min-height: 100%;
}

[data-reveal] {
    --reveal-offset-x: 0px;
    --reveal-offset-y: 16px;
    --reveal-delay: 0ms;
    --reveal-duration: 820ms;
    --reveal-sheen-angle: -16deg;
    position: relative;
    isolation: isolate;
    opacity: 0;
    transform: translate3d(var(--reveal-offset-x), var(--reveal-offset-y), 0) scale(0.99);
    filter: blur(3px) saturate(0.94);
    transition:
        opacity 560ms var(--motion-soft),
        transform var(--reveal-duration) var(--motion-enter),
        filter var(--reveal-duration) ease;
    transition-delay: var(--reveal-delay);
    will-change: transform, opacity, filter;
}

[data-reveal]::after {
    content: "";
    position: absolute;
    inset: -12% -28%;
    border-radius: inherit;
    background:
        linear-gradient(
            118deg,
            transparent 18%,
            rgba(255, 255, 255, 0.04) 30%,
            rgba(255, 255, 255, 0.52) 48%,
            rgba(255, 255, 255, 0.14) 58%,
            transparent 74%
        );
    opacity: 0;
    transform: translate3d(-115%, 0, 0) skewX(var(--reveal-sheen-angle));
    pointer-events: none;
    mix-blend-mode: screen;
}

[data-reveal].is-visible {
    opacity: 1;
    transform: translate3d(0, 0, 0) scale(1);
    filter: blur(0) saturate(1);
}

[data-reveal].is-visible::after {
    animation: reveal-light-sweep 1180ms cubic-bezier(0.16, 1, 0.3, 1) both;
    animation-delay: calc(var(--reveal-delay) + 110ms);
}

@keyframes reveal-light-sweep {
    0% {
        opacity: 0;
        transform: translate3d(-120%, 0, 0) skewX(var(--reveal-sheen-angle));
    }

    18% {
        opacity: 0.2;
    }

    52% {
        opacity: 0.72;
    }

    100% {
        opacity: 0;
        transform: translate3d(112%, 0, 0) skewX(var(--reveal-sheen-angle));
    }
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    [data-reveal] {
        opacity: 1;
        transform: none;
        filter: none;
        transition: none;
    }

    [data-reveal]::after {
        display: none;
    }

    .ghost-link,
    .button-primary,
    .button-secondary,
    .content-card,
    .lead-card,
    .feature-card,
    .metric-card,
    .rate-card,
    .result-card {
        transition: none;
    }
}

@media (hover: none), (pointer: coarse), (max-width: 760px) {
    [data-reveal] {
        --reveal-offset-y: 12px;
        --reveal-duration: 700ms;
        filter: blur(1px) saturate(0.98);
    }

    [data-reveal]::after {
        inset: -10% -20%;
        opacity: 0.14;
    }

    .content-card,
    .lead-card,
    .feature-card,
    .metric-card,
    .rate-card,
    .result-card {
        transition-duration: 220ms;
    }
}

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

.split-heading {
    display: flex;
    align-items: center;
    justify-content: space-between;
    gap: 1rem;
}

@media (max-width: 1120px) {
    .utility-ribbon-inner {
        grid-template-columns: 1fr;
    }

    .footer-grid,
    .hero-grid,
    .hero-grid--mortgage,
    .hero-grid--tight,
    .split-grid,
    .split-grid--wide,
    .content-grid,
    .rates-layout {
        grid-template-columns: 1fr;
    }

    .nav-shell {
        display: none;
        padding-top: 1rem;
        border-top: 1px solid var(--line);
    }

    .nav-shell.is-open {
        display: grid;
    }

    .menu-toggle {
        display: inline-block;
        justify-self: end;
    }

    .hero-proof-grid {
        grid-template-columns: 1fr;
    }

    .hero-visual-grid {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 840px) {
    .metric-grid,
    .metric-grid--inline,
    .card-grid,
    .card-grid--three,
    .rates-grid,
    .estimator-form,
    .estimator-results,
    .admin-section .card-grid,
    .richtext .grid-two,
    .richtext .grid-three,
    .richtext .process-grid,
    .richtext .quote-grid,
    .richtext .stat-band {
        grid-template-columns: 1fr;
    }

    .hero-copy,
    .hero-panel,
    .content-card,
    .lead-card,
    .site-footer,
    .estimator-card {
        padding: 1.45rem;
    }

    .site-header-inner,
    .admin-topbar-inner,
    .utility-ribbon-inner {
        border-radius: 1.5rem;
    }

    .hero-copy--mortgage {
        min-height: auto;
    }

    .hero-section--mortgage::after {
        width: min(58vw, 18rem);
        height: min(58vw, 18rem);
        inset: 14% -8% auto auto;
        opacity: 0.2;
    }

    .hero-copy--mortgage::after {
        opacity: 0.24;
    }

    .brand-logo-shell {
        padding: 0.45rem 0.7rem;
    }

    .brand-logo-image {
        width: 136px;
    }

    .hero-visual-card--primary {
        min-height: 17.5rem;
    }

    .hero-visual-caption {
        padding: 1rem 1rem 1.1rem;
    }

    .hero-visual-caption strong {
        font-size: 1.28rem;
    }
}

@media (max-width: 640px) {
    .container {
        width: min(1180px, calc(100% - 1.2rem));
    }

    .hero-copy h1 {
        font-size: clamp(2.5rem, 13vw, 4rem);
    }

    .hero-actions {
        grid-template-columns: 1fr;
    }

    .primary-nav,
    .topbar-actions,
    .utility-links,
    .utility-list {
        width: 100%;
    }

    .primary-nav {
        justify-content: flex-start;
    }
}

body.theme-fairchoice {
    background:
        linear-gradient(135deg, rgba(17, 166, 160, 0.08), transparent 28%),
        linear-gradient(225deg, rgba(176, 127, 69, 0.08), transparent 26%),
        linear-gradient(180deg, #f4f8f8 0%, #edf3f4 24%, #eff4f5 100%);
}

body.theme-fairchoice::before {
    background-image:
        linear-gradient(rgba(255, 255, 255, 0.04) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.04) 1px, transparent 1px),
        linear-gradient(135deg, rgba(17, 166, 160, 0.08), transparent 42%);
    background-size: 54px 54px, 54px 54px, 100% 100%;
    opacity: 0.07;
}

body.theme-fairchoice::after {
    background:
        linear-gradient(180deg, transparent 0%, rgba(13, 38, 66, 0.03) 48%, rgba(17, 166, 160, 0.06) 100%);
}

body.theme-fairchoice .site-header--mortgage {
    top: 0.45rem;
}

body.theme-fairchoice .site-header--mortgage .site-header-inner {
    background: rgba(8, 27, 46, 0.78);
    border-color: rgba(255, 255, 255, 0.12);
    box-shadow: 0 22px 54px rgba(7, 24, 41, 0.18);
    backdrop-filter: blur(20px) saturate(1.1);
}

body.theme-fairchoice .site-header--mortgage .brand-logo-shell {
    background: rgba(255, 255, 255, 0.96);
    box-shadow: 0 14px 30px rgba(6, 18, 30, 0.14);
}

body.theme-fairchoice .site-header--mortgage .brand-copy strong,
body.theme-fairchoice .site-header--mortgage .brand-copy span {
    color: #f3fbff;
}

body.theme-fairchoice .site-header--mortgage .brand-copy span {
    color: rgba(232, 243, 247, 0.72);
}

body.theme-fairchoice .site-header--mortgage .ghost-link,
body.theme-fairchoice .site-header--mortgage .button-secondary,
body.theme-fairchoice .site-header--mortgage .menu-toggle {
    background: rgba(255, 255, 255, 0.08);
    border-color: rgba(255, 255, 255, 0.14);
    color: #f4fbff;
}

body.theme-fairchoice .site-header--mortgage .menu-toggle span {
    background: #f4fbff;
}

body.theme-fairchoice .site-header--mortgage .ghost-link.is-active {
    background: rgba(17, 166, 160, 0.18);
    border-color: rgba(17, 166, 160, 0.28);
}

body.theme-fairchoice .hero-section--mortgage {
    padding-top: 1.25rem;
}

body.theme-fairchoice .hero-grid--mortgage {
    grid-template-columns: minmax(0, 1.12fr) minmax(340px, 0.88fr);
    gap: 1.35rem;
}

body.theme-fairchoice .hero-copy--mortgage {
    padding: 2.7rem;
    min-height: clamp(680px, 78vh, 900px);
    border-color: rgba(17, 166, 160, 0.16);
    background:
        linear-gradient(rgba(255, 255, 255, 0.05) 1px, transparent 1px),
        linear-gradient(90deg, rgba(255, 255, 255, 0.05) 1px, transparent 1px),
        radial-gradient(circle at 84% 18%, rgba(17, 166, 160, 0.22), transparent 20%),
        linear-gradient(145deg, rgba(7, 28, 46, 0.98) 0%, rgba(14, 42, 66, 0.96) 48%, rgba(17, 85, 100, 0.92) 100%);
    background-size: 72px 72px, 72px 72px, auto, auto;
    box-shadow:
        0 36px 82px rgba(7, 24, 41, 0.24),
        inset 0 1px 0 rgba(255, 255, 255, 0.08);
}

body.theme-fairchoice .hero-copy--mortgage .hero-body--large {
    max-width: 33rem;
    font-size: 1.14rem;
}

body.theme-fairchoice .hero-copy--mortgage h1 {
    max-width: 11ch;
}

body.theme-fairchoice .hero-promise-list {
    margin-top: 1.35rem;
    padding: 0;
    list-style: none;
    display: grid;
    gap: 0.8rem;
}

body.theme-fairchoice .hero-promise-list li {
    margin: 0;
    padding: 0.9rem 1rem 0.9rem 3rem;
    border-radius: 1.2rem;
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.12), rgba(255, 255, 255, 0.06));
    border: 1px solid rgba(255, 255, 255, 0.12);
    color: rgba(240, 248, 251, 0.88);
    position: relative;
}

body.theme-fairchoice .hero-promise-list li::before {
    content: "";
    position: absolute;
    left: 1rem;
    top: 1.05rem;
    width: 1.05rem;
    height: 1.05rem;
    border-radius: 999px;
    background: linear-gradient(135deg, rgba(17, 166, 160, 0.98), rgba(176, 127, 69, 0.92));
    box-shadow: 0 0 0 0.25rem rgba(255, 255, 255, 0.08);
}

body.theme-fairchoice .hero-copy--mortgage .metric-grid--inline {
    margin-top: 1.35rem;
}

body.theme-fairchoice .hero-copy--mortgage .metric-card {
    background: linear-gradient(180deg, rgba(255, 255, 255, 0.14), rgba(255, 255, 255, 0.08));
    border-color: rgba(255, 255, 255, 0.12);
    backdrop-filter: none;
}

body.theme-fairchoice .hero-panel--visuals {
    gap: 1rem;
}

body.theme-fairchoice .hero-visual-card {
    border-color: rgba(17, 166, 160, 0.12);
    box-shadow: 0 28px 62px rgba(8, 28, 46, 0.12);
}

body.theme-fairchoice .hero-visual-card--primary {
    min-height: 29rem;
}

body.theme-fairchoice .hero-visual-card--detail img {
    aspect-ratio: 1.1 / 1;
}

body.theme-fairchoice .content-card,
body.theme-fairchoice .feature-card,
body.theme-fairchoice .site-footer {
    background: rgba(255, 255, 255, 0.84);
    border-color: rgba(13, 38, 66, 0.08);
    box-shadow: 0 26px 58px rgba(10, 32, 50, 0.1);
    backdrop-filter: none;
}

body.theme-fairchoice .content-card--story,
body.theme-fairchoice .content-card--paths,
body.theme-fairchoice .content-card--support,
body.theme-fairchoice .content-card--close {
    background: rgba(255, 255, 255, 0.88);
}

body.theme-fairchoice .content-card--estimator {
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.94) 0%, rgba(242, 248, 248, 0.94) 100%);
}

body.theme-fairchoice .content-card--story .card-grid,
body.theme-fairchoice .content-card--paths .card-grid {
    margin-top: 1.2rem;
}

body.theme-fairchoice .feature-card--story,
body.theme-fairchoice .feature-card--support-lane {
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.94) 0%, rgba(242, 248, 249, 0.88) 100%);
}

body.theme-fairchoice .story-richtext {
    margin-top: 1.4rem;
    padding-top: 1.35rem;
    border-top: 1px solid rgba(13, 38, 66, 0.08);
}

body.theme-fairchoice .support-lane-stack {
    display: grid;
    gap: 1rem;
}

body.theme-fairchoice .support-rate-pocket {
    margin-top: 1.35rem;
    padding: 1.15rem;
    border-radius: var(--radius-md);
    background:
        linear-gradient(180deg, rgba(13, 38, 66, 0.04) 0%, rgba(17, 166, 160, 0.06) 100%);
    border: 1px solid rgba(13, 38, 66, 0.08);
}

body.theme-fairchoice .support-rate-pocket .rates-grid {
    margin-top: 0.8rem;
}

body.theme-fairchoice .content-card--close {
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.92) 0%, rgba(238, 246, 247, 0.88) 100%);
}

body.theme-fairchoice .tag-row--locations {
    margin-top: 1.25rem;
}

body.theme-fairchoice .network-link-row {
    display: flex;
    gap: 0.8rem;
    flex-wrap: wrap;
    margin-top: 1rem;
}

body.theme-fairchoice .network-link-pill {
    padding-inline: 1.1rem;
    background: rgba(13, 38, 66, 0.05);
}

body.theme-fairchoice .lead-card {
    background:
        radial-gradient(circle at top right, rgba(255, 255, 255, 0.12), transparent 26%),
        linear-gradient(145deg, rgba(8, 28, 46, 0.98) 0%, rgba(16, 49, 74, 0.96) 58%, rgba(17, 125, 136, 0.92) 100%);
    box-shadow: 0 32px 70px rgba(8, 24, 38, 0.24);
}

body.theme-fairchoice .site-footer {
    background:
        linear-gradient(180deg, rgba(255, 255, 255, 0.9) 0%, rgba(239, 246, 247, 0.86) 100%);
}

@media (max-width: 1120px) {
    body.theme-fairchoice .metric-grid--inline {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    body.theme-fairchoice .hero-copy--mortgage {
        min-height: auto;
    }
}

@media (max-width: 840px) {
    body.theme-fairchoice .site-header--mortgage .site-header-inner {
        padding: 0.82rem 0.92rem;
        border-radius: 1.3rem;
    }

    body.theme-fairchoice .hero-copy--mortgage {
        padding: 1.6rem;
    }

    body.theme-fairchoice .hero-promise-list li {
        padding: 0.85rem 0.9rem 0.85rem 2.85rem;
    }

    body.theme-fairchoice .hero-visual-card--primary {
        min-height: 19rem;
    }
}

@media (max-width: 640px) {
    body.theme-fairchoice .metric-grid--inline {
        grid-template-columns: 1fr;
    }

    body.theme-fairchoice .hero-copy--mortgage {
        padding: 1.25rem;
    }

    body.theme-fairchoice .network-link-row {
        flex-direction: column;
    }
}