:root{--cth-navy:#071f36;--cth-navy2:#0b3558;--cth-gold:#f3aa18;--cth-gold2:#ffc84d;--cth-ink:#102a43;--cth-muted:#62788c;--cth-line:#dbe4eb;--cth-soft:#f5f8fb;--cth-white:#fff}
.cth-v25-top{position:relative;z-index:50;background:#071923!important;border-bottom:1px solid rgba(255,255,255,.08);box-shadow:0 8px 30px rgba(0,0,0,.12)}
.cth-v25-top .brand{font-size:27px}.cth-brand-accent{color:var(--cth-gold2)}.cth-v25-top .mark{background:linear-gradient(145deg,#ffbc2d,#ed8e0d);border-radius:12px;color:#081c2b}
.cth-v25-top .public-main-nav a{border:1px solid rgba(255,255,255,.18);padding:10px 14px!important;border-radius:10px;color:#fff}.cth-v25-top .public-main-nav a:hover{background:rgba(255,255,255,.08)}.cth-v25-top .public-main-nav .nav-primary{background:linear-gradient(90deg,#f5b125,#ffca4b);color:#071f36;border-color:transparent;font-weight:900}.cth-v25-top .public-main-nav .public-login{background:transparent}
.cth25-home{background:#f6f8fa;color:var(--cth-ink);overflow:hidden}.cth25-home *{box-sizing:border-box}.cth25-home a{text-decoration:none}
.cth25-hero{display:grid;grid-template-columns:1.04fr .96fr;min-height:690px;background:linear-gradient(135deg,#061b2f 0%,#0a3254 68%,#0e406a 100%);color:#fff}.cth25-hero-copy{padding:88px max(42px,calc((100vw - 1260px)/2 + 24px)) 80px max(42px,calc((100vw - 1260px)/2 + 24px));display:flex;flex-direction:column;justify-content:center}.cth25-eyebrow{font-size:12px;font-weight:900;letter-spacing:.16em;color:#ffc449;text-transform:uppercase}.cth25-eyebrow.dark{color:#b56c00}.cth25-hero h1{font-size:clamp(50px,5.8vw,82px);line-height:.96;letter-spacing:-.05em;margin:14px 0 22px;max-width:820px}.cth25-hero h1 span{color:#ffc54d}.cth25-lead{font-size:20px;line-height:1.62;color:#dce7f0;max-width:760px;margin:0}.cth25-hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.cth25-btn{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:0 23px;border-radius:11px;font-weight:900;transition:.18s}.cth25-btn:hover{transform:translateY(-2px)}.cth25-btn-gold{background:linear-gradient(90deg,#ffc341,#ef9614);color:#071f36;box-shadow:0 12px 28px rgba(239,150,20,.24)}.cth25-btn-light{background:#fff;color:#0a2944}.cth25-btn-outline{border:2px solid #0a2944;background:#fff;color:#0a2944}.cth25-proof{display:flex;gap:22px;flex-wrap:wrap;margin-top:27px;color:#d7e5f0;font-size:13px;font-weight:800}.cth25-proof b{color:#ffc449;margin-right:4px}.cth25-hero-image{position:relative;min-height:690px;background:url('/assets/images/homebuyer-keys.jpg?v=20260906-25') center center/cover no-repeat}.cth25-hero-image:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,31,54,.24),transparent 34%),linear-gradient(0deg,rgba(3,17,30,.45),transparent 45%)}.cth25-image-badge{position:absolute;left:30px;right:30px;bottom:30px;z-index:2;background:rgba(6,28,48,.9);border:1px solid rgba(255,255,255,.18);border-radius:18px;padding:20px 22px;backdrop-filter:blur(7px);box-shadow:0 18px 40px rgba(0,0,0,.25)}.cth25-image-badge small{display:block;color:#ffc449;font-weight:900;letter-spacing:.15em}.cth25-image-badge strong{display:block;font-size:23px;line-height:1.2;margin-top:5px}
.cth25-quickstart{max-width:1260px;margin:-56px auto 0;padding:0 24px;position:relative;z-index:5}.cth25-quickstart{display:grid;grid-template-columns:.86fr 1.14fr;gap:34px;background:#fff;border-radius:24px;box-shadow:0 25px 70px rgba(20,50,75,.16);padding:32px}.cth25-quick-copy h2{font-size:42px;line-height:1.04;letter-spacing:-.03em;margin:8px 0 12px}.cth25-quick-copy p{font-size:17px;line-height:1.6;color:var(--cth-muted)}.cth25-steps{display:flex;align-items:center;gap:8px;margin-top:24px;flex-wrap:wrap;font-size:13px;font-weight:900;color:#39546b}.cth25-steps span{display:flex;gap:6px;align-items:center}.cth25-steps b{width:28px;height:28px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:#0a2d4a;color:#ffc54d}.cth25-steps i{height:1px;min-width:22px;flex:1;background:#d8e1e8}.cth25-form{background:#f8fafc;border:1px solid #dce5eb;border-radius:18px;padding:22px}.cth25-form-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:14px}.cth25-form-head small{display:block;font-size:10px;color:#b06a00;font-weight:900;letter-spacing:.14em}.cth25-form-head strong{display:block;font-size:21px}.cth25-form-head>span{padding:6px 11px;border-radius:999px;background:#e8f6ee;color:#246e45;font-size:12px;font-weight:900}.cth25-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.cth25-form .field{margin:0}.cth25-form label{font-size:12px;color:#405b72;margin-bottom:5px}.cth25-form input{border:1px solid #cfdbe4;border-radius:9px;padding:12px;background:#fff}.cth25-submit{width:100%;border:0;border-radius:10px;background:#0a2d4a;color:#fff;padding:14px;margin-top:14px;font-weight:900;font-size:16px;cursor:pointer}.cth25-fineprint{font-size:11px;color:#7a8c9b;line-height:1.45;margin:10px 0 0}
.cth25-section{max-width:1260px;margin:auto;padding:92px 24px}.cth25-section-head{max-width:860px;margin-bottom:30px}.cth25-section-head h2{font-size:46px;line-height:1.04;letter-spacing:-.035em;margin:8px 0 12px}.cth25-section-head p{font-size:18px;line-height:1.65;color:var(--cth-muted)}.cth25-card-grid{display:grid;gap:16px}.cth25-card-grid.four{grid-template-columns:repeat(4,1fr)}.cth25-card-grid article{background:#fff;border:1px solid var(--cth-line);border-radius:20px;padding:25px;box-shadow:0 10px 28px rgba(20,49,73,.06)}.cth25-card-icon{width:48px;height:48px;border-radius:14px;background:#fff0d4;color:#a76100;display:flex;align-items:center;justify-content:center;font-size:20px;font-weight:1000}.cth25-card-grid h3{font-size:22px;margin:17px 0 8px}.cth25-card-grid p{margin:0;color:var(--cth-muted);line-height:1.6}
.cth25-financing{background:#07233d;color:#fff;padding:88px max(24px,calc((100vw - 1260px)/2));display:grid;grid-template-columns:.82fr 1.18fr;gap:50px;align-items:center}.cth25-financing-copy h2{font-size:47px;line-height:1.04;letter-spacing:-.035em;margin:10px 0 14px}.cth25-financing-copy p{font-size:18px;line-height:1.65;color:#cedbe6}.cth25-financing-copy a{color:#ffc54c;font-weight:900}.cth25-programs{display:grid;grid-template-columns:1fr 1fr;gap:14px}.cth25-programs article{border:1px solid rgba(255,255,255,.14);border-radius:17px;padding:22px;background:rgba(255,255,255,.065)}.cth25-programs strong{display:block;color:#ffc54c;font-size:17px;margin-bottom:7px}.cth25-programs span{color:#e1eaf1;line-height:1.5;font-size:14px}
.cth25-confidence{max-width:1260px;margin:auto;padding:92px 24px}.cth25-confidence-copy{max-width:780px}.cth25-confidence-copy h2{font-size:45px;line-height:1.04;margin:8px 0 28px;letter-spacing:-.035em}.cth25-confidence-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.cth25-confidence-grid>div{padding:26px 0;border-top:2px solid #dce4ea}.cth25-confidence-grid b{display:block;color:#b96c00;font-size:12px;letter-spacing:.13em}.cth25-confidence-grid strong{display:block;font-size:22px;margin:9px 0 7px}.cth25-confidence-grid span{color:var(--cth-muted);line-height:1.55}.cth25-final{max-width:1260px;margin:0 auto 70px;padding:46px;border-radius:24px;background:linear-gradient(135deg,#fff4da,#fff);border:1px solid #ead7ab;display:flex;align-items:center;justify-content:space-between;gap:34px}.cth25-final h2{font-size:42px;line-height:1.06;margin:8px 0 10px}.cth25-final p{color:var(--cth-muted);font-size:17px}.cth25-final-actions{display:flex;gap:10px;flex-wrap:wrap}
/* Academy visual system */
.ala-dashboard{max-width:1240px;margin:auto;padding:34px 24px 70px;background:#f6f8fb}.ala-dash-hero{display:grid!important;grid-template-columns:1.35fr .65fr;gap:28px;background:linear-gradient(135deg,#071f36,#0c3a60)!important;border-radius:24px;padding:46px!important;color:#fff;box-shadow:0 22px 55px rgba(11,43,70,.14)}.ala-dash-copy h1{font-size:50px!important;line-height:1.02!important;letter-spacing:-.035em!important;margin:11px 0 16px!important}.ala-dash-copy p{color:#d8e4ed!important;font-size:18px!important;line-height:1.6!important}.ala-progress-card{background:rgba(255,255,255,.08)!important;border:1px solid rgba(255,255,255,.15)!important;border-radius:20px!important;padding:26px!important}.ala-path-head{margin:48px 0 20px!important}.ala-path-head h2{font-size:38px!important;letter-spacing:-.025em!important}.ala-module-grid{display:grid!important;grid-template-columns:repeat(3,1fr)!important;gap:16px!important}.ala-module-card{border:1px solid #dbe4eb!important;border-radius:18px!important;padding:22px!important;background:#fff!important;box-shadow:0 8px 25px rgba(23,51,75,.055)!important}.ala-module-card:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(23,51,75,.10)!important}.ala-module-card h3{font-size:21px!important;line-height:1.2!important}.ala-module-card p{color:#697c8e!important;line-height:1.5!important}.ala-module-open{display:flex!important;justify-content:space-between!important;align-items:center!important;margin-top:18px!important;padding-top:16px!important;border-top:1px solid #e3e9ee!important;color:#0b3558!important;font-weight:900!important}.ala-final-card,.ala-next-card{border-radius:20px!important;border:1px solid #dbe4eb!important;background:#fff!important;box-shadow:0 10px 28px rgba(23,51,75,.06)!important}
.ala-lesson-page{background:#eef3f7!important;min-height:calc(100vh - 76px)!important}.ala-lesson-sidebar{background:#071f36!important;color:#fff!important;box-shadow:10px 0 35px rgba(10,38,62,.10)!important}.ala-side-brand,.ala-side-current{border-color:rgba(255,255,255,.12)!important}.ala-side-modules a{color:#cbd8e2!important;border-radius:10px!important}.ala-side-modules a:hover{background:rgba(255,255,255,.06)!important}.ala-side-modules a.active{background:#f3aa18!important;color:#071f36!important}.ala-lesson-main{padding:38px 42px 70px!important}.ala-lesson-header{background:#fff!important;border:1px solid #dce5ec!important;border-radius:20px!important;padding:26px!important;box-shadow:0 9px 28px rgba(21,48,70,.06)!important}.ala-lesson-header h1{font-size:39px!important;line-height:1.05!important;letter-spacing:-.03em!important}.ala-slide-shell{margin-top:20px!important;border-radius:20px!important;overflow:hidden!important;box-shadow:0 14px 38px rgba(19,45,67,.08)!important}.ala-slide-content{min-height:430px!important;padding:44px!important}.ala-slide-content h2{font-size:36px!important;line-height:1.08!important;letter-spacing:-.025em!important}.ala-slide-content>p{font-size:19px!important;line-height:1.7!important;color:#4e6578!important}.ala-takeaway{margin-top:32px!important;padding:20px 22px!important;border-radius:14px!important;background:#fff7e4!important;border-left:5px solid #f3aa18!important}.ala-lesson-controls{background:#fff!important;padding:18px 24px!important;border-top:1px solid #e0e7ed!important}.ala-question{border-radius:18px!important;border:1px solid #dce5ec!important;box-shadow:0 8px 24px rgba(20,48,70,.055)!important}.ala-answer span{border-radius:10px!important}.ala-exam-gate{border-radius:20px!important;box-shadow:0 14px 34px rgba(20,48,70,.07)!important}
.ala-login-page{background:radial-gradient(circle at 10% 10%,rgba(243,170,24,.16),transparent 28%),linear-gradient(135deg,#061b2e,#0b3558)!important}.ala-login-shell{box-shadow:0 30px 80px rgba(0,0,0,.28)!important}.ala-login-intro{background:linear-gradient(145deg,#071f36,#0d416b)!important}.ala-login-submit{background:linear-gradient(90deg,#ffc341,#ef9614)!important;color:#071f36!important}
@media(max-width:1050px){.cth25-card-grid.four{grid-template-columns:repeat(2,1fr)}.cth25-financing{grid-template-columns:1fr}.ala-module-grid{grid-template-columns:repeat(2,1fr)!important}.ala-dash-hero{grid-template-columns:1fr!important}.ala-lesson-main{padding:28px 24px 60px!important}}
@media(max-width:780px){.cth25-hero,.cth25-quickstart{grid-template-columns:1fr}.cth25-hero-copy{padding:58px 24px}.cth25-hero-image{min-height:480px}.cth25-quickstart{margin:0;border-radius:0;padding:26px}.cth25-card-grid.four,.cth25-confidence-grid,.cth25-programs,.cth25-form-grid{grid-template-columns:1fr}.cth25-section-head h2,.cth25-financing-copy h2,.cth25-confidence-copy h2,.cth25-final h2{font-size:35px}.cth25-final{margin:0;border-radius:0;flex-direction:column;align-items:flex-start;padding:34px 24px}.ala-module-grid{grid-template-columns:1fr!important}.ala-lesson-header h1{font-size:32px!important}.ala-slide-content{padding:30px 24px!important}.ala-slide-content h2{font-size:30px!important}.cth-v25-top{padding:14px 18px!important}.cth-v25-top .brand{font-size:22px}.public-main-nav{margin-top:10px}}
\n/* v2.6 viewport/conversion refinements */
.cth25-hero{min-height:590px!important}
.cth25-hero-copy{padding-top:54px!important;padding-bottom:72px!important}
.cth25-hero h1{font-size:clamp(42px,4.5vw,62px)!important;line-height:1.00!important;margin:12px 0 16px!important;max-width:760px!important}
.cth25-lead{font-size:17px!important;line-height:1.52!important;max-width:700px!important}
.cth25-hero-actions{margin-top:22px!important}
.cth25-btn{min-height:50px!important;padding:0 20px!important}
.cth25-proof{margin-top:18px!important}
.cth25-hero-image{min-height:590px!important}
.cth25-image-badge strong{font-size:20px!important}
@media(max-width:780px){.cth25-hero-copy{padding:42px 22px 44px!important}.cth25-hero h1{font-size:40px!important}.cth25-lead{font-size:16px!important}.cth25-hero-image{min-height:400px!important}}

/* ClearToHome consumer conversion hero v3.3 */
@media(min-width:1000px){
  .cth25-hero{grid-template-columns:58% 42%!important;min-height:560px!important}
  .cth25-hero-copy{padding-left:max(48px,calc((100vw - 1420px)/2 + 24px))!important;padding-right:54px!important;padding-top:52px!important;padding-bottom:58px!important}
  .cth25-hero h1{font-size:clamp(48px,4.25vw,68px)!important;line-height:1.01!important;max-width:900px!important;letter-spacing:-.045em!important}
  .cth25-lead{max-width:880px!important;font-size:18px!important;line-height:1.55!important}
  .cth25-hero-image{min-height:560px!important}
}
/* V3.4 consumer conversion hero: use desktop width instead of narrow stacked copy */
@media (min-width:1100px){
 .cth25-hero{grid-template-columns:minmax(620px,1.12fr) minmax(520px,.88fr)!important;min-height:690px!important}
 .cth25-hero-copy{padding:58px clamp(48px,5vw,92px)!important;max-width:none!important}
 .cth25-hero-copy h1{font-size:clamp(52px,4.2vw,76px)!important;line-height:1.01!important;max-width:760px!important;letter-spacing:-2.4px}
 .cth25-lead{font-size:19px!important;line-height:1.58!important;max-width:720px!important}
 .cth25-proof{max-width:760px!important;gap:10px 22px!important;flex-wrap:wrap!important}
 .cth25-hero-image{min-height:690px!important}
}
/* V3.5 consumer conversion + licensed LO identity */
.cth35-hero{display:grid;grid-template-columns:46% 54%;min-height:560px;background:#073253;color:#fff}.cth35-hero-copy{padding:48px max(34px,calc((100vw - 1420px)/2 + 22px));padding-right:34px;display:flex;flex-direction:column;justify-content:center}.cth35-hero h1{font-size:clamp(42px,4.1vw,66px);line-height:1.02;letter-spacing:-.04em;margin:10px 0 12px;max-width:720px}.cth35-hero h1 span{color:#ffb52b}.cth35-hero p{font-size:18px;line-height:1.45;max-width:650px}.cth35-hero-image{position:relative;background:url('/assets/images/homebuyer-keys.jpg?v=35') center/cover no-repeat}.cth35-hero-image:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,50,83,.38),transparent 28%)}.cth35-continue{color:#fff;text-decoration:underline;margin-top:14px;font-weight:700}.cth35-benefits{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;padding:18px max(24px,calc((100vw - 1420px)/2));background:#f7f9fb}.cth35-benefits article,.cth35-program article,.cth35-path article{background:#fff;border:1px solid #e1e7ed;border-radius:12px;padding:18px;box-shadow:0 6px 20px rgba(9,42,68,.07)}.cth35-benefits strong{display:block;color:#092e50;font-size:17px}.cth35-section{padding:34px max(24px,calc((100vw - 1420px)/2))}.cth35-section h2{text-align:center;color:#082e50;font-size:32px;margin:0 0 6px}.cth35-section>.sub{text-align:center;margin:0 0 24px;color:#526274}.cth35-program{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.cth35-program article{text-align:center}.cth35-program h3{color:#092e50;margin:4px 0 8px}.cth35-roadmap{background:#073253;color:#fff}.cth35-roadmap h2{color:#fff}.cth35-path{display:grid;grid-template-columns:repeat(6,1fr);gap:12px}.cth35-path article{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.15);box-shadow:none;text-align:center}.cth35-path b{display:inline-grid;place-items:center;width:32px;height:32px;border-radius:50%;background:#ffb52b;color:#092e50}.cth35-path strong{display:block;margin:8px 0 5px}.cth35-lo{display:grid;grid-template-columns:110px 1fr auto;gap:20px;align-items:center;background:#fff;border-top:1px solid #e2e8ee;padding:24px max(24px,calc((100vw - 1420px)/2))}.cth35-lo img{width:96px;height:96px;border-radius:50%;object-fit:cover}.cth35-lo h3{margin:0 0 4px;color:#092e50}.cth35-lo p{margin:3px 0}.cth35-license{font-size:12px;color:#596878}.cth35-chat-photo{max-height:150px;width:auto}.cth-letter-company{text-align:center;border-bottom:2px solid #122f49;padding-bottom:18px;margin-bottom:28px}.cth-letter-company img{max-height:62px;max-width:240px}.cth-letter-company h2{margin:6px 0 2px}.cth-signature{margin-top:38px;padding-top:18px;border-top:1px solid #ccd5dd}.cth-signature img{max-height:70px;max-width:220px}.trash-btn{border:0;background:transparent;cursor:pointer;font-size:20px;padding:5px 8px}.trash-btn:hover{background:#fff1f1;border-radius:7px}.cth-trash-note{font-size:12px;color:#65717d}
@media(max-width:900px){.cth35-hero{grid-template-columns:1fr}.cth35-hero-image{min-height:390px}.cth35-benefits,.cth35-program{grid-template-columns:repeat(2,1fr)}.cth35-path{grid-template-columns:repeat(2,1fr)}.cth35-lo{grid-template-columns:90px 1fr}.cth35-lo .cth35-chat-photo{display:none}}@media(max-width:600px){.cth35-benefits,.cth35-program,.cth35-path{grid-template-columns:1fr}.cth35-hero-copy{padding:40px 24px}.cth35-lo{grid-template-columns:1fr;text-align:center}.cth35-lo img{margin:auto}}