:root{
 --orange:#f58216; --gold:#c48a13; --char:#17191d; --ink:#111827; --muted:#667085;
 --bg:#f5f6f8; --card:#fff; --line:#e5e7eb; --green:#177245; --red:#b42318;
}
*{box-sizing:border-box} body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--ink)}
a{color:inherit;text-decoration:none}.top{background:var(--char);color:#fff;padding:16px 28px;display:flex;align-items:center;justify-content:space-between}
.brand{display:flex;gap:12px;align-items:center;font-weight:800;font-size:24px}.mark{background:var(--orange);width:42px;height:42px;border-radius:12px;display:grid;place-items:center;color:#111;font-weight:900}
.nav{display:flex;gap:10px;align-items:center;flex-wrap:wrap}.nav a{padding:10px 13px;border-radius:9px}.nav .cta{background:var(--orange);font-weight:800}
.wrap{max-width:1320px;margin:0 auto;padding:30px 24px}.hero{background:linear-gradient(135deg,#191c21,#252932 60%,#46301d);color:#fff;padding:58px;border-radius:26px;box-shadow:0 18px 45px rgba(0,0,0,.08)}
.eyebrow{text-transform:uppercase;letter-spacing:.16em;color:#ffbf4b;font-weight:900;font-size:13px}.hero h1{font-size:52px;line-height:1.02;margin:14px 0 18px;max-width:900px}.hero p{font-size:20px;line-height:1.55;max-width:900px;color:#e5e7eb}
.btn{display:inline-block;background:var(--orange);padding:13px 18px;border:0;border-radius:10px;font-weight:800;cursor:pointer}.btn.alt{background:#fff;color:#111}.btn.dark{background:#222;color:#fff}
.grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:22px}.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:0 8px 24px rgba(17,24,39,.04)}
.card h3{margin-top:0}.muted{color:var(--muted)}.kpi{font-size:34px;font-weight:900}.stack{display:grid;gap:14px}.two{display:grid;grid-template-columns:1fr 1fr;gap:18px}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
label{font-weight:700;display:block;margin-bottom:6px}input,select,textarea{width:100%;padding:12px;border:1px solid #cfd4dc;border-radius:9px;font:inherit;background:#fff}
textarea{min-height:110px}.field{margin-bottom:14px}.notice{padding:14px 16px;border-radius:10px;background:#eef7f1;color:#0b5b34;margin:14px 0}.error{background:#fdecec;color:#9f1c14}
table{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden}th,td{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left;font-size:14px}th{background:#fafafa}
.badge{display:inline-block;padding:5px 9px;border-radius:999px;background:#eef2f6;font-size:12px;font-weight:800}.orange{background:#fff0df;color:#9a4a00}.green{background:#eaf7ee;color:#17683f}
.sidebar-layout{display:grid;grid-template-columns:230px 1fr;gap:22px}.side{background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px;height:max-content}.side a{display:block;padding:11px 12px;border-radius:9px;margin:3px 0}.side a:hover{background:#f6f2ec}
footer{padding:35px;text-align:center;color:#777}
@media(max-width:950px){.grid,.three{grid-template-columns:1fr 1fr}.sidebar-layout,.two{grid-template-columns:1fr}.hero h1{font-size:40px}}
@media(max-width:620px){.grid,.three{grid-template-columns:1fr}.hero{padding:30px}.hero h1{font-size:34px}.top{padding:13px 16px}.wrap{padding:20px 14px}}

.section-title{display:flex;align-items:end;justify-content:space-between;gap:12px;margin:30px 0 14px}
.command-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}
.command-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;box-shadow:0 8px 24px rgba(17,24,39,.04);transition:.15s}
.command-card:hover{transform:translateY(-2px);box-shadow:0 12px 30px rgba(17,24,39,.08)}
.command-card .icon{font-size:26px}.command-card h3{margin:10px 0 6px}
.hero-small{padding:38px;border-radius:22px;background:linear-gradient(135deg,#17191d,#2b2e34 60%,#51351e);color:#fff}
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin:16px 0}.tabs a{padding:9px 12px;border-radius:9px;background:#fff;border:1px solid var(--line);font-weight:700}
.statline{display:flex;gap:18px;flex-wrap:wrap}.statline span{background:#fff;border:1px solid var(--line);padding:9px 12px;border-radius:10px}
.safe{background:#eef7f1;border:1px solid #cfe7d8;padding:14px;border-radius:10px}
.warn{background:#fff5e8;border:1px solid #f4d7ae;padding:14px;border-radius:10px}
@media(max-width:950px){.command-grid{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.command-grid{grid-template-columns:1fr}}

.mega-hero{background:linear-gradient(135deg,#15171b 0%,#242831 62%,#56371d 100%);color:#fff;border-radius:28px;padding:64px 58px;position:relative;overflow:hidden}
.mega-hero:after{content:"";position:absolute;width:360px;height:360px;border:72px solid rgba(245,130,22,.18);border-radius:50%;right:-80px;top:-115px}
.mega-hero h1{font-size:58px;line-height:1.02;max-width:900px;margin:14px 0}.mega-hero p{max-width:830px;font-size:20px;line-height:1.55;color:#e8eaed}
.pillbar{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.pill{padding:9px 13px;border:1px solid rgba(255,255,255,.25);border-radius:999px}
.rolebar{display:flex;gap:8px;flex-wrap:wrap}.rolebar a{font-size:14px;border:1px solid rgba(255,255,255,.18);padding:9px 12px;border-radius:9px}
.rolebar a:hover{background:#2b2e33}
.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.feature-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:24px}
.feature-card .bigicon{font-size:30px}.split-hero{display:grid;grid-template-columns:1.15fr .85fr;gap:24px;align-items:stretch}
.profile-hero{background:#fff;border:1px solid var(--line);border-radius:24px;padding:32px}
.profile-photo{width:118px;height:118px;border-radius:22px;object-fit:cover;background:#eee;border:4px solid #fff;box-shadow:0 8px 25px rgba(0,0,0,.12)}
.quick-nav{display:grid;grid-template-columns:repeat(6,1fr);gap:10px;margin:18px 0}.quick-nav a{background:#fff;border:1px solid var(--line);border-radius:12px;padding:13px;text-align:center;font-weight:800;font-size:14px}
.timeline{border-left:3px solid #e8e8e8;margin-left:10px;padding-left:20px}.timeline-item{position:relative;padding:0 0 20px}.timeline-item:before{content:"";position:absolute;width:12px;height:12px;border-radius:50%;background:var(--orange);left:-27px;top:4px}
.metric-link{display:block}.metric-link:hover{outline:2px solid rgba(245,130,22,.22)}
.search-box{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px}
.listing-placeholder{height:180px;border-radius:14px;background:linear-gradient(135deg,#e7e9ed,#fafafa);display:grid;place-items:center;color:#747b86;font-weight:800}
.funnel-row{display:flex;align-items:center;gap:12px;margin:10px 0}.funnel-bar{height:18px;background:#f2a34f;border-radius:999px;min-width:8px}
@media(max-width:1000px){.feature-grid{grid-template-columns:1fr 1fr}.quick-nav{grid-template-columns:repeat(3,1fr)}.split-hero{grid-template-columns:1fr}.mega-hero h1{font-size:46px}}
@media(max-width:620px){.feature-grid{grid-template-columns:1fr}.quick-nav{grid-template-columns:1fr 1fr}.mega-hero{padding:34px 26px}.mega-hero h1{font-size:36px}}

.photo-hero{min-height:520px;border-radius:28px;background:
 linear-gradient(90deg,rgba(17,19,22,.94) 0%,rgba(17,19,22,.78) 46%,rgba(17,19,22,.12) 100%),
 url('/assets/images/homebuyer-keys.jpg') center/cover no-repeat;color:#fff;padding:62px;display:flex;align-items:center}
.photo-hero .content{max-width:720px}.photo-hero h1{font-size:58px;line-height:1.03;margin:12px 0 18px}.photo-hero p{font-size:20px;line-height:1.55;color:#f0f1f3}
.search-panel{background:#fff;border:1px solid var(--line);box-shadow:0 14px 36px rgba(0,0,0,.08);border-radius:18px;padding:18px;margin-top:-54px;position:relative;z-index:2}
.search-fields{display:grid;grid-template-columns:2fr 1.1fr .6fr .8fr auto;gap:10px;align-items:end}
.profile-avatar{width:150px;height:150px;object-fit:cover;border-radius:24px;border:5px solid #fff;box-shadow:0 10px 28px rgba(0,0,0,.15);background:#eceff2}
.consumer-portal-head{background:linear-gradient(135deg,#191c21,#31343a 65%,#5a3a1e);color:#fff;border-radius:24px;padding:32px}
.portal-actions{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.portal-action{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px}
.progress-row{display:grid;grid-template-columns:180px 1fr auto;gap:12px;align-items:center;padding:12px 0;border-bottom:1px solid var(--line)}
.status-dot{width:12px;height:12px;border-radius:50%;display:inline-block;background:#c9ced6}.status-dot.done{background:#2e8b57}.status-dot.active{background:#f58216}
.form-section{border-top:1px solid var(--line);padding-top:18px;margin-top:20px}.form-section:first-child{border-top:0;padding-top:0;margin-top:0}
.site-link{background:#fff3e4!important;color:#7c4300!important}
@media(max-width:1050px){.search-fields{grid-template-columns:1fr 1fr}.portal-actions{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.photo-hero{padding:34px 25px;min-height:500px;background-position:62% center}.photo-hero h1{font-size:38px}.search-fields,.portal-actions{grid-template-columns:1fr}.search-panel{margin-top:16px}}

.lp-shell{max-width:1380px;margin:0 auto;padding:24px}
.lp-hero{position:relative;min-height:610px;border-radius:30px;overflow:hidden;display:flex;align-items:center;padding:68px;background:#17191d;color:#fff}
.lp-hero.consumer{background:
linear-gradient(90deg,rgba(15,17,20,.95) 0%,rgba(15,17,20,.78) 50%,rgba(15,17,20,.16) 100%),
url('/assets/images/homebuyer-keys.jpg') center/cover no-repeat}
.lp-hero.realtor{background:
linear-gradient(90deg,rgba(12,15,18,.94) 0%,rgba(12,15,18,.70) 46%,rgba(12,15,18,.12) 100%),
url('/assets/images/homebuyer-keys.jpg') 62% center/cover no-repeat}
.lp-hero.lo{background:
radial-gradient(circle at 78% 22%,rgba(245,130,22,.24),transparent 30%),
linear-gradient(135deg,#15171b 0%,#262b34 62%,#55371e 100%)}
.lp-copy{max-width:760px;position:relative;z-index:2}
.lp-kicker{text-transform:uppercase;letter-spacing:.17em;font-weight:900;color:#ffbd54;font-size:13px}
.lp-hero h1{font-size:64px;line-height:1.01;margin:14px 0 18px;letter-spacing:-.025em}
.lp-hero p{font-size:21px;line-height:1.55;color:#edf0f4;max-width:720px}
.lp-actions{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0}
.lp-proof{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}
.lp-proof span{border:1px solid rgba(255,255,255,.22);border-radius:999px;padding:9px 12px;background:rgba(255,255,255,.05)}
.lp-section{padding:54px 0}.lp-section h2{font-size:38px;margin:6px 0 12px}.lp-sub{color:var(--muted);font-size:18px;max-width:780px}
.lp-three{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.lp-four{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.lp-tile{background:#fff;border:1px solid var(--line);border-radius:20px;padding:26px;box-shadow:0 10px 26px rgba(17,24,39,.04)}
.lp-tile .n{width:38px;height:38px;border-radius:12px;background:#fff0df;display:grid;place-items:center;font-weight:900;color:#8c4c00;margin-bottom:14px}
.lp-band{background:#181b20;color:#fff;border-radius:24px;padding:36px}.lp-band h2{margin-top:0}.lp-band p{color:#d9dde3}
.realtor-search-card{background:#fff;border-radius:20px;padding:20px;box-shadow:0 18px 44px rgba(0,0,0,.13);margin-top:-62px;position:relative;z-index:4;border:1px solid var(--line)}
.realtor-search-grid{display:grid;grid-template-columns:2fr 1.1fr .6fr .8fr auto;gap:10px;align-items:end}
.pro-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;display:grid;grid-template-columns:auto 1fr;gap:22px;align-items:center}
.pro-card img{width:150px;height:150px;object-fit:cover;border-radius:22px;background:#eee}
.lo-programs{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.lo-program{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px}
.quote-box{background:#fff7ec;border-left:5px solid var(--orange);padding:22px;border-radius:12px}
@media(max-width:1000px){
.lp-three,.lp-four,.lo-programs{grid-template-columns:1fr 1fr}
.realtor-search-grid{grid-template-columns:1fr 1fr}
.lp-hero h1{font-size:48px}
}
@media(max-width:650px){
.lp-shell{padding:14px}
.lp-hero{padding:38px 26px;min-height:570px}
.lp-hero h1{font-size:38px}
.lp-three,.lp-four,.lo-programs,.realtor-search-grid{grid-template-columns:1fr}
.pro-card{grid-template-columns:1fr}
.realtor-search-card{margin-top:18px}
}

/* v6.3 standout public landing pages */
.public-wrap{max-width:1420px;margin:0 auto;padding:22px}
.hero-split{display:grid;grid-template-columns:1.15fr .85fr;gap:0;min-height:625px;border-radius:30px;overflow:hidden;background:#17191d;box-shadow:0 24px 60px rgba(0,0,0,.12)}
.hero-photo{position:relative;background:url('/assets/images/homebuyer-keys.jpg') center/cover no-repeat;min-height:625px}
.hero-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(18,20,24,.18),rgba(18,20,24,.02))}
.hero-copy{padding:62px 56px;color:#fff;display:flex;flex-direction:column;justify-content:center;background:
radial-gradient(circle at 85% 18%,rgba(245,130,22,.20),transparent 28%),linear-gradient(135deg,#14171b,#252a33 70%,#49311d)}
.hero-copy h1{font-size:60px;line-height:1.01;margin:12px 0 18px;letter-spacing:-.035em}
.hero-copy p{font-size:20px;line-height:1.55;color:#edf0f4}
.hero-form{background:#fff;color:#111;border-radius:20px;padding:22px;margin-top:22px;box-shadow:0 14px 36px rgba(0,0,0,.18)}
.hero-form h3{margin:0 0 5px}.hero-form p{color:#667085;font-size:14px;margin:0 0 14px}
.hero-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.trust-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:0;background:#fff;border:1px solid var(--line);border-radius:18px;margin-top:20px;overflow:hidden}
.trust-strip div{padding:18px 20px;border-right:1px solid var(--line)}.trust-strip div:last-child{border-right:0}
.trust-strip b{display:block;font-size:17px}.trust-strip span{font-size:13px;color:#667085}
.public-section{padding:58px 0}.public-section .intro{max-width:800px;margin-bottom:25px}.public-section h2{font-size:40px;line-height:1.08;margin:6px 0 12px}
.editorial-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.editorial-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;min-height:220px;box-shadow:0 10px 28px rgba(17,24,39,.04)}
.editorial-card .ico{font-size:32px;margin-bottom:15px}.editorial-card h3{font-size:22px;margin:0 0 10px}
.dark-band{background:#171a1f;color:#fff;border-radius:26px;padding:42px}.dark-band p{color:#dfe3e8}
.realtor-hero{position:relative;min-height:620px;border-radius:30px;overflow:hidden;background:
linear-gradient(90deg,rgba(12,15,18,.93) 0%,rgba(12,15,18,.68) 45%,rgba(12,15,18,.10) 100%),
url('/assets/images/homebuyer-keys.jpg') 62% center/cover no-repeat;color:#fff;padding:62px;display:flex;align-items:center}
.realtor-hero .copy{max-width:730px}.realtor-hero h1{font-size:62px;line-height:1.01;margin:12px 0 18px}
.realtor-search-floating{background:#fff;border:1px solid var(--line);border-radius:20px;padding:20px;box-shadow:0 18px 46px rgba(0,0,0,.12);margin:-60px 34px 0;position:relative;z-index:5}
.search-five{display:grid;grid-template-columns:2.1fr 1.1fr .55fr .75fr auto;gap:10px;align-items:end}
.agent-panel{display:grid;grid-template-columns:180px 1fr auto;gap:28px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:24px;padding:28px}
.agent-panel img{width:180px;height:180px;object-fit:cover;border-radius:24px;background:#eceff2}
.agent-actions{display:grid;gap:9px;min-width:170px}
.lo-hero{display:grid;grid-template-columns:1.12fr .88fr;min-height:610px;border-radius:30px;overflow:hidden;background:
radial-gradient(circle at 82% 20%,rgba(245,130,22,.26),transparent 28%),linear-gradient(135deg,#14171b,#262b34 67%,#52351c);color:#fff}
.lo-main{padding:62px 56px;display:flex;flex-direction:column;justify-content:center}.lo-main h1{font-size:60px;line-height:1.01;margin:12px 0 18px}.lo-main p{font-size:20px;line-height:1.55;color:#edf0f4}
.lo-profile{background:rgba(255,255,255,.96);color:#111;margin:28px;border-radius:24px;padding:30px;align-self:center}.lo-profile img{width:140px;height:140px;border-radius:22px;object-fit:cover;background:#eee}
.program-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.program-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px}.program-card:hover{box-shadow:0 12px 28px rgba(17,24,39,.08);transform:translateY(-2px)}
.mini-proof{display:flex;gap:9px;flex-wrap:wrap}.mini-proof span{border-radius:999px;padding:8px 11px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.20);font-size:13px}
@media(max-width:1050px){
.hero-split,.lo-hero{grid-template-columns:1fr}.hero-photo{min-height:380px}.hero-copy h1,.lo-main h1,.realtor-hero h1{font-size:48px}
.trust-strip{grid-template-columns:1fr 1fr}.editorial-grid{grid-template-columns:1fr 1fr}.program-grid{grid-template-columns:1fr 1fr}.search-five{grid-template-columns:1fr 1fr}.agent-panel{grid-template-columns:150px 1fr}.agent-actions{grid-column:1/-1;grid-template-columns:1fr 1fr}
}
@media(max-width:650px){
.public-wrap{padding:12px}.hero-copy,.lo-main,.realtor-hero{padding:36px 25px}.hero-copy h1,.lo-main h1,.realtor-hero h1{font-size:38px}
.hero-form-grid,.trust-strip,.editorial-grid,.program-grid,.search-five{grid-template-columns:1fr}.trust-strip div{border-right:0;border-bottom:1px solid var(--line)}
.realtor-search-floating{margin:16px 0 0}.agent-panel{grid-template-columns:1fr}.agent-panel img{width:135px;height:135px}.agent-actions{grid-template-columns:1fr}
.lo-profile{margin:18px}
}

/* v6.9 qualification + realtor dashboard */
.qual-grid{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:14px}
.qual-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px;box-shadow:0 8px 24px rgba(17,24,39,.04)}
.qual-card .label{font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:#667085;font-weight:800}
.qual-card .value{font-size:28px;font-weight:900;margin:6px 0}
.qual-pass{background:#eaf7ee;color:#17683f}
.qual-review{background:#fff4df;color:#985800}
.qual-fail{background:#fdecec;color:#9f1c14}
.status-banner{border-radius:18px;padding:22px;margin:16px 0;border:1px solid var(--line)}
.status-banner.green{background:#eaf7ee;border-color:#bcdcc8;color:#145b38}
.status-banner.yellow{background:#fff5e7;border-color:#efd3a6;color:#885000}
.status-banner.red{background:#fdecec;border-color:#f0b8b4;color:#8d1d18}
.status-banner h2{margin:0 0 8px}
.finding-row{display:grid;grid-template-columns:190px 120px 1fr;gap:12px;padding:13px 0;border-bottom:1px solid var(--line);align-items:start}
.realtor-summary{display:grid;grid-template-columns:1.2fr .8fr;gap:18px}
.comm-box{background:#171a1f;color:#fff;border-radius:18px;padding:22px}
.comm-box a{display:inline-block;margin:6px 8px 0 0}
.callout-number{font-size:34px;font-weight:900}
@media(max-width:1000px){.qual-grid{grid-template-columns:1fr 1fr 1fr}.realtor-summary{grid-template-columns:1fr}}
@media(max-width:650px){.qual-grid{grid-template-columns:1fr 1fr}.finding-row{grid-template-columns:1fr}.callout-number{font-size:28px}}

/* v7.0 program engine */
.program-preview{background:#f8fafc;border:1px solid #dfe5ec;border-radius:16px;padding:18px;margin-top:14px}
.program-preview-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.program-preview .pv{font-size:24px;font-weight:900}
.payment-breakdown{width:100%;border-collapse:collapse}.payment-breakdown th,.payment-breakdown td{padding:11px;border-bottom:1px solid var(--line)}
.payment-breakdown th{text-align:left}.payment-breakdown td{text-align:right}
.admin-edit-bar{background:#fff3e4;border:1px solid #efcf9e;border-radius:14px;padding:14px 16px;display:flex;justify-content:space-between;gap:14px;align-items:center;margin-bottom:16px}
@media(max-width:850px){.program-preview-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.program-preview-grid{grid-template-columns:1fr}}

/* v7.1 visual polish */
.brand-user-wrap{display:flex;align-items:center;gap:18px}
.signed-user{display:flex;flex-direction:column;border-left:1px solid rgba(255,255,255,.22);padding-left:16px;line-height:1.15}
.signed-user b{font-size:14px;color:#fff}.signed-user span{font-size:11px;color:#ffbd54;text-transform:uppercase;letter-spacing:.08em;margin-top:3px}
.hero-clean{min-height:590px}
.hero-clean .hero-copy{padding:52px 54px}
.hero-clean .hero-copy h1{font-size:58px;max-width:700px;margin-bottom:16px}
.hero-short{font-size:19px!important;max-width:690px!important;margin-bottom:16px!important}
.compact-form{margin-top:14px;padding:20px 22px}
.form-head{display:flex;justify-content:space-between;align-items:flex-start;gap:16px;margin-bottom:10px}
.form-head h3{font-size:22px;margin:0 0 3px}.form-head p{font-size:13px!important;margin:0!important;color:#667085!important}
.step-chip{font-size:11px;font-weight:900;letter-spacing:.08em;border-radius:999px;background:#fff0df;color:#914f00;padding:7px 10px;white-space:nowrap}
.hero-submit{margin-top:6px;font-size:17px;padding:14px 18px}
.hero-trustline{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:18px;color:#eef1f4;font-size:13px}
.hero-trustline span{opacity:.92}
.compact-section{padding-top:42px;padding-bottom:44px}
.compact-section .intro h2{font-size:34px}
.concise-band{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:32px 38px}
.concise-band h2{margin:4px 0 5px}.concise-band p{margin:0}
@media(max-width:900px){
.signed-user{display:none}
.hero-clean .hero-copy h1{font-size:46px}
.concise-band{flex-direction:column;align-items:flex-start}
}
@media(max-width:620px){
.hero-clean .hero-copy{padding:34px 24px}
.hero-clean .hero-copy h1{font-size:37px}
.hero-short{font-size:17px!important}
.form-head{flex-direction:column}.step-chip{align-self:flex-start}
}

/* v8 growth + marketing */
.growth-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.growth-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:0 8px 22px rgba(17,24,39,.04)}
.growth-card h3{margin:10px 0 8px}.growth-card .ico{font-size:30px}
.template-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.template-card{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden}
.template-preview{min-height:150px;background:linear-gradient(135deg,#171a1f,#353a43 70%,#6b421c);color:#fff;padding:22px;display:flex;flex-direction:column;justify-content:flex-end}
.template-card .body{padding:18px}
.seo-score{display:flex;align-items:center;gap:18px}.seo-circle{width:84px;height:84px;border-radius:50%;display:grid;place-items:center;background:#eaf7ee;font-size:28px;font-weight:900}
.flyer-page{max-width:850px;margin:20px auto;background:#fff;box-shadow:0 10px 34px rgba(0,0,0,.12);padding:0;overflow:hidden}
.flyer-hero{height:390px;background:#222 center/cover no-repeat;position:relative;color:#fff}
.flyer-overlay{position:absolute;inset:0;background:linear-gradient(0deg,rgba(0,0,0,.76),rgba(0,0,0,.04) 65%);display:flex;align-items:flex-end;padding:34px}
.flyer-overlay h1{font-size:48px;line-height:1;margin:0}.flyer-content{padding:30px 34px}
.flyer-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:18px 0}
.flyer-stat{background:#f6f7f9;border-radius:12px;padding:14px;text-align:center}
.flyer-pros{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:24px}
.flyer-pro{border:1px solid var(--line);border-radius:16px;padding:18px;display:flex;gap:14px;align-items:center}
.flyer-pro img{width:72px;height:72px;border-radius:14px;object-fit:cover;background:#eee}
.qr-wrap{text-align:center}.qr-wrap img{width:130px;height:130px}
.social-box{border:1px dashed #c7ced8;border-radius:14px;padding:16px;background:#fafbfc;white-space:pre-wrap}
.property-card{background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden}.property-card .photo{height:180px;background:#e9edf2 center/cover no-repeat}.property-card .info{padding:18px}
@media(max-width:1000px){.growth-grid{grid-template-columns:1fr 1fr}.template-grid{grid-template-columns:1fr 1fr}.flyer-stats{grid-template-columns:1fr 1fr}}
@media(max-width:650px){.growth-grid,.template-grid,.flyer-pros{grid-template-columns:1fr}.flyer-overlay h1{font-size:34px}.flyer-page{margin:0}.flyer-content{padding:22px}.flyer-hero{height:310px}}
@media print{header,.top,footer,.no-print{display:none!important}.flyer-page{box-shadow:none;margin:0;max-width:none}.flyer-hero{height:360px}body{background:#fff}}

/* v8.1 conversion landing + ownership UI */
.cth-v81-hero{background:radial-gradient(circle at 25% 15%,rgba(217,119,6,.16),transparent 35%),#12161b}
.cth-v81-hero .hero-copy{position:relative}
.cth-v81-hero h1{letter-spacing:-.035em;line-height:.98}
.hero-proof{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin:18px 0}
.hero-proof div{border:1px solid rgba(255,255,255,.13);background:rgba(255,255,255,.05);border-radius:14px;padding:12px;display:flex;gap:9px;align-items:center}
.hero-proof b{display:grid;place-items:center;width:28px;height:28px;border-radius:50%;background:#d97706;color:#fff}
.hero-proof span{font-size:12px;color:#eef2f6;font-weight:700}
.microcopy{font-size:10.5px!important;color:#737b86!important;margin:8px 0 0!important;line-height:1.35}
.cth-photo-panel{position:relative}
.photo-callout{position:absolute;left:24px;right:24px;bottom:24px;background:rgba(15,18,22,.86);backdrop-filter:blur(8px);color:#fff;border:1px solid rgba(255,255,255,.14);border-radius:16px;padding:17px 19px;display:flex;flex-direction:column}
.photo-callout b{font-size:18px}.photo-callout span{color:#f1b55f;margin-top:3px}
.cth-value-section .intro{max-width:780px;margin-bottom:24px}
.cth-program-strip{display:grid;grid-template-columns:repeat(6,1fr);gap:1px;background:#d9dde2;border-top:1px solid #d9dde2;border-bottom:1px solid #d9dde2}
.cth-program-strip div{background:#fff;padding:18px;text-align:center}.cth-program-strip span{display:block;font-size:11px;font-weight:900;color:#d97706;letter-spacing:.09em}.cth-program-strip b{display:block;margin-top:4px}
@media(max-width:850px){.hero-proof{grid-template-columns:1fr}.cth-program-strip{grid-template-columns:repeat(3,1fr)}}
@media(max-width:520px){.cth-program-strip{grid-template-columns:repeat(2,1fr)}}

/* v8.2 Realtor Website */
.realtor-public-nav{display:flex;gap:24px;align-items:center}
.realtor-public-nav a{color:#fff;text-decoration:none;font-weight:700}
.realtor-public-nav .cta{background:#f59e0b;color:#111;padding:11px 16px;border-radius:12px}
.realtor-site{background:#f5f7fa}
.realtor-hero{min-height:640px;display:grid;grid-template-columns:1.05fr .95fr;background:#15191f;overflow:hidden}
.realtor-hero-copy{padding:72px 64px;color:#fff;display:flex;flex-direction:column;justify-content:center}
.realtor-hero-copy h1{font-size:64px;line-height:.98;letter-spacing:-.045em;margin:12px 0 20px;max-width:760px}
.realtor-hero-copy p{font-size:20px;line-height:1.5;color:#e8ebef;max-width:700px}
.realtor-hero-photo{min-height:640px;background:center/cover no-repeat;position:relative}
.realtor-hero-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(21,25,31,.12),rgba(0,0,0,.08))}
.realtor-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.realtor-actions a{display:inline-block;padding:14px 18px;border-radius:12px;font-weight:900;text-decoration:none}
.realtor-actions .primary{background:#f59e0b;color:#111}.realtor-actions .secondary{background:#fff;color:#111}.realtor-actions .ghost{border:1px solid rgba(255,255,255,.35);color:#fff}
.realtor-trust{display:flex;gap:18px;flex-wrap:wrap;margin-top:24px;color:#f6c36e;font-size:13px;font-weight:800}
.realtor-search-panel{max-width:1320px;margin:-44px auto 0;background:#fff;border-radius:20px;box-shadow:0 18px 48px rgba(15,23,42,.16);padding:22px;position:relative;z-index:4}
.realtor-search-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr 1fr auto;gap:10px;align-items:end}
.realtor-home-section{max-width:1320px;margin:0 auto;padding:70px 24px}
.realtor-home-section .section-head{display:flex;justify-content:space-between;align-items:end;gap:20px;margin-bottom:24px}
.realtor-home-section .section-head h2{font-size:40px;margin:4px 0}
.featured-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.featured-home{background:#fff;border-radius:18px;overflow:hidden;border:1px solid #e1e6ed;box-shadow:0 8px 24px rgba(15,23,42,.05)}
.featured-photo{height:230px;background:#dfe5eb center/cover no-repeat}
.featured-body{padding:18px}.featured-price{font-size:26px;font-weight:900}.featured-meta{color:#667085;margin-top:6px}
.agent-band{background:#15191f;color:#fff}
.agent-wrap{max-width:1180px;margin:auto;padding:64px 24px;display:grid;grid-template-columns:320px 1fr;gap:40px;align-items:center}
.agent-photo{width:100%;aspect-ratio:1/1;border-radius:24px;object-fit:cover;background:#e6e8eb}
.agent-wrap h2{font-size:44px;margin:0 0 10px}.agent-wrap p{color:#d8dde4;line-height:1.65}
.buy-sell-grid{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.buy-sell-card{background:#fff;border:1px solid #e1e6ed;border-radius:20px;padding:28px}
.buy-sell-card h3{font-size:30px;margin:8px 0}
.step-row{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-top:24px}
.step-item{background:#fff;border:1px solid #e1e6ed;border-radius:16px;padding:18px}
.step-num{width:34px;height:34px;border-radius:50%;display:grid;place-items:center;background:#f59e0b;font-weight:900}
.local-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.local-card{min-height:150px;border-radius:18px;padding:18px;background:linear-gradient(135deg,#222,#4b3627);color:#fff;display:flex;flex-direction:column;justify-content:flex-end}
.realtor-footer{background:#0f1217;color:#dce1e7;padding:42px 24px}
.realtor-footer .inner{max-width:1320px;margin:auto;display:grid;grid-template-columns:2fr 1fr 1fr;gap:24px}
.realtor-footer a{color:#fff}
@media(max-width:1050px){.realtor-hero{grid-template-columns:1fr}.realtor-hero-photo{min-height:420px}.realtor-search-grid{grid-template-columns:1fr 1fr 1fr}.featured-grid,.local-grid{grid-template-columns:1fr 1fr}.agent-wrap{grid-template-columns:220px 1fr}.step-row{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:700px){.realtor-hero-copy{padding:48px 26px}.realtor-hero-copy h1{font-size:44px}.realtor-search-grid,.featured-grid,.local-grid,.buy-sell-grid,.agent-wrap,.realtor-footer .inner{grid-template-columns:1fr}.realtor-search-panel{margin-top:0;border-radius:0}.step-row{grid-template-columns:1fr}.realtor-public-nav{display:none}}

/* v8.5 dedicated home value page */
.home-value-hero{max-width:1320px;margin:34px auto;display:grid;grid-template-columns:1.05fr .95fr;min-height:590px;background:linear-gradient(135deg,#15191f,#35291f);border-radius:26px;overflow:hidden;box-shadow:0 18px 48px rgba(15,23,42,.12)}
.home-value-copy{padding:64px;color:#fff;display:flex;flex-direction:column;justify-content:center}.home-value-copy h1{font-size:60px;line-height:1;letter-spacing:-.04em;margin:12px 0 18px}.home-value-copy p{font-size:19px;color:#e6e9ed;line-height:1.55}
.home-value-points{display:flex;flex-direction:column;gap:10px;margin-top:20px;color:#f7bd63;font-weight:800}
.home-value-form-wrap{background:#f4f6f8;padding:48px;display:flex;align-items:center}.home-value-form{width:100%;padding:30px}.home-value-form h2{font-size:32px;margin-top:0}
@media(max-width:850px){.home-value-hero{grid-template-columns:1fr;margin:0;border-radius:0}.home-value-copy,.home-value-form-wrap{padding:36px 24px}.home-value-copy h1{font-size:44px}}
/* ClearToHome New Loan Officer Success Portal */
.academy-nav{font-weight:800}.academy-hero{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(220px,.5fr);gap:28px;align-items:center;padding:34px;border-radius:24px;background:linear-gradient(135deg,#fff8ef,#fff);border:1px solid #f1dcc4;margin-bottom:28px}.academy-hero h1{font-size:clamp(2rem,4vw,3.5rem);line-height:1.02;margin:.35rem 0 1rem}.academy-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.academy-score{background:#111;color:#fff;border-radius:20px;padding:24px;text-align:center}.academy-score b{display:block;font-size:2.1rem}.academy-score span{opacity:.75}.progressbar{height:9px;background:#333;border-radius:20px;overflow:hidden;margin-top:16px}.progressbar i{display:block;height:100%;background:#f0a13a;border-radius:20px}.academy-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px}.academy-card{position:relative;padding:22px;border:1px solid #e9e1d8;border-radius:18px;background:#fff}.academy-card.complete{border-color:#b9d8bf;background:#fbfffc}.module-num{font-weight:900;font-size:1.7rem;color:#d27b13}.academy-card h3{margin:.4rem 0}.academy-card-actions{display:flex;justify-content:space-between;gap:10px;align-items:center;margin-top:18px}.linkbtn{border:0;background:none;text-decoration:underline;cursor:pointer;font:inherit}.academy-reading{max-width:940px}.reading-card{background:#fff;border:1px solid #e6ded5;border-radius:20px;padding:30px}.reading-card h2{margin-top:1.6rem}.leadcopy{font-size:1.12rem;line-height:1.7}.quiz-card{background:#fff;border:1px solid #e6ded5;border-radius:16px;padding:20px;margin:14px 0}.quiz-option{display:block;padding:9px;border-radius:8px}.quiz-option:hover{background:#f8f5f1}.test-score{padding:20px;border-radius:18px;background:#111;color:#fff;margin:20px 0}.test-score b{font-size:2rem;margin-right:15px}.lab-grid,.success-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.lab-card{background:#fff;border:1px solid #e6ded5;border-radius:18px;padding:20px}.lab-card summary{cursor:pointer;display:flex;flex-direction:column;gap:5px}.lab-card summary span{font-size:.92rem;color:#666;font-weight:400}.lab-card[open]{border-color:#d79a50}.success-grid .card{min-height:190px}@media(max-width:850px){.academy-hero,.academy-grid,.lab-grid,.success-grid{grid-template-columns:1fr}.academy-score{max-width:none}}

/* v2.2 Home landing page + account access polish */
.cth-home-v22{background:#f6f8fa}.cth-join-hero{display:grid;grid-template-columns:1.03fr .97fr;min-height:650px;background:#0b2238;overflow:hidden}.cth-join-copy{padding:76px max(34px,5vw);display:flex;flex-direction:column;justify-content:center;color:#fff;background:radial-gradient(circle at 15% 15%,rgba(245,130,22,.19),transparent 33%),linear-gradient(135deg,#071d31,#0c2f4e)}.cth-join-copy h1{font-size:clamp(48px,5.5vw,78px);line-height:.94;letter-spacing:-.045em;margin:15px 0 22px;max-width:780px}.cth-join-copy .lead{font-size:20px;line-height:1.55;color:#e7eef5;max-width:720px}.cth-join-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}.cth-primary{background:#f7a619!important;color:#081b2d!important;padding:15px 20px!important}.cth-secondary{background:#fff!important;color:#10283e!important;padding:15px 20px!important}.cth-trust-row{display:flex;gap:17px;flex-wrap:wrap;margin-top:28px;color:#ffd184;font-size:13px;font-weight:800}.cth-couple-photo{min-height:650px;position:relative;background:url('/assets/images/homebuyer-keys.jpg') center/cover no-repeat}.cth-couple-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(11,34,56,.2),rgba(0,0,0,.04))}.cth-photo-badge{position:absolute;z-index:2;left:28px;right:28px;bottom:28px;padding:20px 22px;border-radius:17px;background:rgba(7,29,49,.88);color:#fff;backdrop-filter:blur(8px);border:1px solid rgba(255,255,255,.15);display:flex;flex-direction:column;gap:5px}.cth-photo-badge strong{font-size:19px}.cth-photo-badge span{color:#ffd184}.cth-fast-start{max-width:1240px;margin:-42px auto 0;position:relative;z-index:4;background:#fff;border-radius:24px;padding:28px;box-shadow:0 20px 55px rgba(15,23,42,.16);display:grid;grid-template-columns:.82fr 1.18fr;gap:28px;align-items:center}.cth-fast-copy h2{font-size:38px;margin:7px 0 12px;line-height:1.05}.cth-fast-copy p{color:#617184;line-height:1.6}.cth-home-form{box-shadow:none!important;border:1px solid #e0e7ee!important}.cth-home-value{max-width:1240px;margin:0 auto;padding:76px 24px}.cth-home-value .intro{max-width:820px;margin-bottom:26px}.cth-home-value .intro h2{font-size:42px;margin:8px 0}.cth-role-band{background:#0b2238;color:#fff;padding:70px max(24px,5vw)}.cth-role-head{max-width:1240px;margin:0 auto 26px}.cth-role-head h2{font-size:42px;max-width:850px;margin:8px 0}.cth-role-grid{max-width:1240px;margin:auto;display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.cth-role-card{background:#fff;color:#112a40;border-radius:19px;padding:27px;box-shadow:0 10px 30px rgba(0,0,0,.13);transition:.18s}.cth-role-card:hover{transform:translateY(-3px)}.cth-role-card span{font-size:31px}.cth-role-card h3{font-size:24px;margin:12px 0 8px}.cth-role-card p{color:#66788b;line-height:1.5}.cth-role-card b{color:#c56f00}.login-card h1{font-size:38px}
@media(max-width:900px){.cth-join-hero,.cth-fast-start,.cth-role-grid{grid-template-columns:1fr}.cth-couple-photo{min-height:430px}.cth-fast-start{margin:0;border-radius:0;box-shadow:none}.cth-join-copy{padding:55px 28px}.cth-home-value{padding-top:58px}.cth-role-head h2,.cth-home-value .intro h2{font-size:34px}}
@media(max-width:560px){.cth-join-copy h1{font-size:45px}.cth-couple-photo{min-height:350px}.cth-fast-start{padding:22px 16px}.cth-role-band{padding:50px 18px}}

/* ===== ClearToHome v2.3 Consumer Home + Academy Visual Rebuild ===== */
.homebuyer-home{background:#f4f7fa;color:#102a43}.homebuyer-hero{display:grid;grid-template-columns:1.03fr .97fr;min-height:670px;background:#08233c}.homebuyer-copy{padding:78px max(34px,5.5vw);display:flex;flex-direction:column;justify-content:center;color:#fff;background:radial-gradient(circle at 14% 15%,rgba(246,169,33,.2),transparent 31%),linear-gradient(135deg,#061b2e,#0b3153)}.homebuyer-copy h1{font-size:clamp(50px,5.8vw,82px);line-height:.94;letter-spacing:-.045em;margin:14px 0 22px;max-width:760px}.homebuyer-lead{font-size:20px;line-height:1.6;color:#e5edf4;max-width:760px}.homebuyer-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.homebuyer-primary{background:linear-gradient(90deg,#ffc53d,#f28c00)!important;color:#071b2c!important;border:0!important;padding:15px 22px!important;box-shadow:0 10px 24px rgba(242,140,0,.2)}.homebuyer-light{background:#fff!important;color:#0a2944!important;padding:15px 22px!important}.homebuyer-points{display:flex;gap:18px;flex-wrap:wrap;margin-top:30px;color:#ffd484;font-size:13px;font-weight:800}.homebuyer-photo{min-height:670px;position:relative;background:url('/assets/images/homebuyer-keys.jpg') center/cover no-repeat}.homebuyer-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(8,35,60,.18),rgba(0,0,0,.02))}.homebuyer-photo-card{position:absolute;z-index:2;left:28px;right:28px;bottom:28px;padding:22px 24px;border-radius:18px;background:rgba(6,27,46,.9);color:#fff;border:1px solid rgba(255,255,255,.16);box-shadow:0 16px 40px rgba(0,0,0,.22);display:flex;flex-direction:column;gap:7px}.homebuyer-photo-card strong{font-size:21px}.homebuyer-photo-card span{color:#ffd484}.homebuyer-start-card{max-width:1240px;margin:-48px auto 0;position:relative;z-index:5;background:#fff;border-radius:26px;padding:30px;box-shadow:0 24px 60px rgba(15,23,42,.16);display:grid;grid-template-columns:.82fr 1.18fr;gap:32px;align-items:center}.homebuyer-start-copy h2{font-size:39px;line-height:1.05;margin:7px 0 12px}.homebuyer-start-copy p{color:#627489;line-height:1.65}.homebuyer-quick-form{border:1px solid #dfe7ee;border-radius:20px;padding:22px;background:#fbfcfd}.homebuyer-form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:13px}.homebuyer-form-submit{width:100%;margin-top:13px;background:#0a2944!important;color:#fff!important}.homebuyer-section{max-width:1240px;margin:0 auto;padding:82px 24px}.homebuyer-section-head{max-width:850px;margin-bottom:28px}.homebuyer-section-head h2{font-size:44px;line-height:1.08;margin:8px 0 12px}.homebuyer-section-head p{font-size:18px;color:#63758a;line-height:1.65}.homebuyer-step-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}.homebuyer-step-grid article{background:#fff;border:1px solid #e0e7ed;border-radius:19px;padding:25px;box-shadow:0 9px 25px rgba(19,47,76,.06)}.homebuyer-step-grid span{display:inline-flex;width:42px;height:42px;border-radius:50%;align-items:center;justify-content:center;background:#fff3d9;color:#b76500;font-weight:900}.homebuyer-step-grid h3{font-size:22px;margin:17px 0 8px}.homebuyer-step-grid p{color:#64778a;line-height:1.55}.homebuyer-programs{background:#08233c;color:#fff;padding:78px max(24px,5vw)}.homebuyer-programs .homebuyer-section-head{max-width:1240px;margin:0 auto 28px}.light-head p{color:#cbd8e4}.homebuyer-program-grid{max-width:1240px;margin:auto;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.homebuyer-program-grid article{padding:25px;border:1px solid rgba(255,255,255,.13);border-radius:18px;background:rgba(255,255,255,.06)}.homebuyer-program-grid b{color:#ffc44a;letter-spacing:.1em}.homebuyer-program-grid h3{font-size:22px;margin:10px 0 8px}.homebuyer-program-grid p{color:#cfdae4;line-height:1.55}.homebuyer-cta{max-width:1240px;margin:0 auto;padding:74px 24px;display:flex;align-items:center;justify-content:space-between;gap:30px}.homebuyer-cta h2{font-size:42px;margin:7px 0 10px}.homebuyer-cta p{color:#64778a;font-size:18px}

.ala-dashboard{max-width:1280px;margin:0 auto;padding:34px 22px 70px}.ala-dash-hero{display:grid;grid-template-columns:1.45fr .55fr;gap:24px;align-items:center;background:linear-gradient(135deg,#071e34,#0b365b);color:#fff;border-radius:26px;padding:42px;overflow:hidden;position:relative;box-shadow:0 18px 46px rgba(9,42,70,.15)}.ala-dash-hero:after{content:"ALA";position:absolute;right:-8px;bottom:-42px;font-size:170px;font-weight:900;color:rgba(255,255,255,.035);letter-spacing:-.07em}.ala-dash-copy{position:relative;z-index:1}.ala-dash-copy h1{font-size:clamp(40px,4.8vw,68px);line-height:.98;letter-spacing:-.035em;margin:10px 0 18px;max-width:850px}.ala-dash-copy p{font-size:18px;line-height:1.65;color:#d8e3ec;max-width:870px}.ala-dash-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.ala-progress-card{position:relative;z-index:1;background:#fff;color:#102a43;border-radius:21px;padding:25px;text-align:center}.ala-progress-ring{--pct:0;width:150px;height:150px;margin:0 auto 18px;border-radius:50%;background:conic-gradient(#f3a91f calc(var(--pct)*1%),#e7edf2 0);display:grid;place-items:center}.ala-progress-ring:before{content:"";width:117px;height:117px;background:#fff;border-radius:50%;position:absolute}.ala-progress-ring div{position:relative;z-index:1}.ala-progress-ring strong{display:block;font-size:34px}.ala-progress-ring span{font-size:12px;text-transform:uppercase;letter-spacing:.1em;color:#687a8c}.ala-progress-card h3{margin:0 0 7px}.ala-progress-card p{color:#687a8c;font-size:13px}.ala-path-head{display:flex;align-items:end;justify-content:space-between;gap:20px;margin:42px 0 20px}.ala-path-head h2{font-size:39px;margin:7px 0 8px}.ala-path-head p{color:#66798c}.ala-small-link{font-weight:900;color:#bd6b00;white-space:nowrap}.ala-module-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.ala-module-card{background:#fff;border:1px solid #dfe7ee;border-radius:20px;padding:23px;min-height:255px;display:flex;flex-direction:column;box-shadow:0 8px 24px rgba(21,46,70,.055);transition:.18s}.ala-module-card:hover{transform:translateY(-3px);box-shadow:0 15px 32px rgba(21,46,70,.1)}.ala-module-card.complete{border-color:#a9cfb2;background:#fbfffc}.ala-module-top{display:flex;align-items:center;justify-content:space-between}.ala-module-number{width:43px;height:43px;border-radius:12px;background:#0a2944;color:#fff;display:grid;place-items:center;font-weight:900;font-size:18px}.ala-module-card.complete .ala-module-number{background:#287b3b}.ala-module-status{font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:.09em;color:#718293}.ala-module-card.complete .ala-module-status{color:#287b3b}.ala-module-card h3{font-size:22px;line-height:1.2;margin:18px 0 9px}.ala-module-card p{color:#66798c;line-height:1.5;margin:0}.ala-module-meta{display:flex;gap:12px;flex-wrap:wrap;margin-top:auto;padding-top:18px;font-size:12px;color:#718293}.ala-module-open{display:flex;align-items:center;justify-content:space-between;margin-top:13px;padding-top:13px;border-top:1px solid #edf1f4;font-weight:900;color:#b86400}.ala-final-card,.ala-next-card{margin-top:25px;border-radius:22px;padding:30px;background:#fff;border:1px solid #dfe7ee;display:flex;align-items:center;justify-content:space-between;gap:25px}.ala-final-card h2,.ala-next-card h2{font-size:32px;margin:6px 0 8px}.ala-final-card p,.ala-next-card p{color:#66798c;max-width:850px}.ala-locked{font-weight:900;color:#718293;background:#eef3f6;padding:13px 16px;border-radius:12px;white-space:nowrap}

.ala-lesson-page{display:grid;grid-template-columns:290px minmax(0,1fr);min-height:calc(100vh - 80px);background:#f4f7fa}.ala-lesson-sidebar{background:#071f36;color:#fff;padding:25px 17px;position:sticky;top:0;height:100vh;overflow-y:auto}.ala-back-link{display:inline-block;color:#ffd37b;font-weight:900;font-size:13px;margin-bottom:22px}.ala-side-brand{display:flex;gap:12px;align-items:center;border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:20px}.ala-side-brand>span{display:grid;place-items:center;width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,#ffc53e,#ef8f00);color:#071f36;font-weight:1000}.ala-side-brand div{display:flex;flex-direction:column}.ala-side-brand strong{font-size:13px}.ala-side-brand small{font-size:10px;color:#9fb2c3;margin-top:3px}.ala-side-current{margin:22px 0;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);border-radius:14px;padding:15px;display:flex;flex-direction:column;gap:6px}.ala-side-current small{color:#f5b434;font-weight:900;letter-spacing:.1em}.ala-side-current strong{line-height:1.35}.ala-side-current span{color:#9fb2c3;font-size:11px}.ala-side-modules{display:flex;flex-direction:column;gap:5px}.ala-side-modules a{display:grid;grid-template-columns:29px 1fr;gap:8px;align-items:start;padding:9px;border-radius:10px;color:#cbd8e4;text-decoration:none}.ala-side-modules a:hover,.ala-side-modules a.active{background:rgba(255,255,255,.09);color:#fff}.ala-side-modules span{display:grid;place-items:center;width:26px;height:26px;border-radius:7px;background:rgba(255,255,255,.08);font-size:11px;font-weight:900}.ala-side-modules a.active span{background:#f3a91f;color:#071f36}.ala-side-modules b{font-size:12px;line-height:1.3}.ala-lesson-main{padding:34px clamp(20px,4vw,60px) 70px;max-width:1180px;width:100%;margin:0 auto}.ala-lesson-header{display:flex;justify-content:space-between;gap:25px;align-items:flex-end;margin-bottom:22px}.ala-lesson-header h1{font-size:clamp(34px,4.2vw,58px);line-height:1;margin:7px 0 8px;letter-spacing:-.03em}.ala-lesson-header p{color:#66798c;max-width:760px}.ala-lesson-header-actions{display:flex;gap:12px;flex-wrap:wrap;justify-content:flex-end}.ala-lesson-header-actions a{font-size:12px;font-weight:900;color:#b86400}.ala-progress-line{height:8px;background:#dfe7ee;border-radius:999px;overflow:hidden;margin-bottom:19px}.ala-progress-line i{display:block;height:100%;background:linear-gradient(90deg,#f3a91f,#ffca54);width:0}.ala-slide-shell{background:#fff;border:1px solid #dce5ec;border-radius:24px;box-shadow:0 15px 38px rgba(15,42,67,.08);overflow:hidden}.ala-slide-kicker{display:flex;justify-content:space-between;gap:20px;padding:17px 24px;background:#0a2944;color:#fff;font-size:12px;font-weight:900;letter-spacing:.07em;text-transform:uppercase}.ala-slide-content{padding:54px clamp(27px,6vw,72px) 44px;min-height:470px;display:flex;flex-direction:column;justify-content:center}.ala-slide-number{color:#e2e9ef;font-size:78px;line-height:.8;font-weight:1000;letter-spacing:-.06em}.ala-slide-content h2{font-size:clamp(34px,4.7vw,58px);line-height:1.04;letter-spacing:-.035em;color:#0b2a45;margin:16px 0 20px;max-width:880px}.ala-slide-content>p{font-size:20px;line-height:1.7;color:#3f566b;max-width:920px}.ala-takeaway{margin-top:27px;border-left:5px solid #f3a91f;background:#fff7e6;border-radius:10px;padding:18px 20px;max-width:920px}.ala-takeaway>div{font-size:11px;letter-spacing:.11em;font-weight:1000;color:#b56600}.ala-takeaway p{margin:6px 0 0;color:#374d61;line-height:1.55}.ala-lesson-controls{display:grid;grid-template-columns:1fr auto 1fr;gap:15px;align-items:center;padding:18px 24px;border-top:1px solid #e6edf2;background:#fbfcfd}.ala-lesson-controls #next{justify-self:end}.ala-lesson-controls .counter{font-weight:900;color:#6c7d8e}.ala-exam-gate{display:none;min-height:500px;background:linear-gradient(135deg,#071f36,#0b365b);color:#fff;border-radius:24px;padding:55px;text-align:center;align-items:center;justify-content:center;flex-direction:column;margin-top:0}.ala-exam-icon{width:70px;height:70px;border-radius:50%;display:grid;place-items:center;background:#f3a91f;color:#071f36;font-size:32px;font-weight:1000;margin-bottom:18px}.ala-exam-gate h2{font-size:44px;margin:7px 0 10px}.ala-exam-gate p{max-width:680px;color:#d5e0e9;font-size:18px;line-height:1.6;margin:0 0 22px}.ala-quiz-wrap{margin-top:24px}.ala-quiz-wrap.locked{display:none}.ala-scorebox{border-radius:20px;padding:24px 28px;margin-bottom:20px;display:flex;align-items:center;justify-content:space-between;gap:25px;color:#fff}.ala-scorebox.pass{background:#1f6d35}.ala-scorebox.retry{background:#8e3f32}.ala-scorebox span{font-size:11px;font-weight:1000;letter-spacing:.1em}.ala-scorebox strong{display:block;font-size:35px;margin-top:3px}.ala-scorebox p{max-width:480px}.ala-question{background:#fff;border:1px solid #dce5ec;border-radius:18px;padding:24px;margin:14px 0;box-shadow:0 6px 18px rgba(20,45,68,.04)}.ala-question.result-ok{border-color:#9bcaa5;background:#fbfffc}.ala-question.result-bad{border-color:#dfa9a0;background:#fffafa}.ala-question-num{font-size:11px;font-weight:1000;letter-spacing:.1em;color:#b56600}.ala-question h3{font-size:20px;line-height:1.45;margin:8px 0 15px}.ala-answer{display:block;margin:9px 0;cursor:pointer}.ala-answer input{position:absolute;opacity:0}.ala-answer span{display:grid;grid-template-columns:34px 1fr;gap:10px;align-items:center;border:1px solid #dfe7ed;border-radius:11px;padding:11px 13px;background:#fff}.ala-answer span b{display:grid;place-items:center;width:30px;height:30px;border-radius:8px;background:#edf2f5;color:#0a2944}.ala-answer input:checked+span{border-color:#d48a15;background:#fff8e8;box-shadow:0 0 0 2px rgba(212,138,21,.12)}.ala-explanation{margin-top:15px;background:#edf3f7;border-radius:11px;padding:14px}.ala-explanation p{margin:5px 0 0;color:#506578;line-height:1.55}.ala-exam-submit{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.ala-certificate-page{max-width:980px;margin:45px auto 70px;padding:0 20px}.ala-certificate-card{background:#fff;border:1px solid #e0e7ed;border-radius:25px;padding:50px;text-align:center;box-shadow:0 18px 44px rgba(20,45,68,.09)}.ala-cert-icon{width:78px;height:78px;border-radius:50%;background:#0a2944;color:#ffc44a;display:grid;place-items:center;margin:20px auto;font-size:34px}.ala-certificate-card h1{font-size:44px;margin:7px 0 12px}.ala-certificate-card>p{color:#66798c;font-size:18px;line-height:1.6}.ala-cert-details{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:28px 0}.ala-cert-details div{background:#f5f8fa;border-radius:14px;padding:17px}.ala-cert-details span{display:block;font-size:11px;text-transform:uppercase;letter-spacing:.1em;color:#718293}.ala-cert-details strong{display:block;margin-top:6px}.ala-cert-actions{display:flex;gap:10px;justify-content:center;flex-wrap:wrap}

@media(max-width:1000px){.homebuyer-hero,.homebuyer-start-card,.ala-dash-hero{grid-template-columns:1fr}.homebuyer-photo{min-height:470px}.homebuyer-start-card{margin:0;border-radius:0;box-shadow:none}.homebuyer-step-grid{grid-template-columns:repeat(2,1fr)}.homebuyer-program-grid,.ala-module-grid{grid-template-columns:repeat(2,1fr)}.ala-lesson-page{grid-template-columns:1fr}.ala-lesson-sidebar{position:relative;height:auto}.ala-side-modules{display:grid;grid-template-columns:repeat(3,1fr)}.ala-lesson-header{align-items:flex-start;flex-direction:column}.ala-lesson-header-actions{justify-content:flex-start}}
@media(max-width:700px){.homebuyer-copy{padding:55px 26px}.homebuyer-copy h1{font-size:48px}.homebuyer-photo{min-height:390px}.homebuyer-form-grid,.homebuyer-step-grid,.homebuyer-program-grid,.ala-module-grid,.ala-cert-details{grid-template-columns:1fr}.homebuyer-section-head h2,.homebuyer-cta h2{font-size:34px}.homebuyer-cta{align-items:flex-start;flex-direction:column}.ala-dashboard{padding:20px 14px 50px}.ala-dash-hero{padding:28px 22px}.ala-path-head{align-items:flex-start;flex-direction:column}.ala-path-head h2{font-size:32px}.ala-lesson-main{padding:24px 14px 55px}.ala-side-modules{grid-template-columns:1fr 1fr}.ala-slide-content{padding:35px 22px;min-height:430px}.ala-slide-content h2{font-size:34px}.ala-slide-content>p{font-size:17px}.ala-slide-number{font-size:58px}.ala-lesson-controls{grid-template-columns:1fr 1fr}.ala-lesson-controls .counter{grid-column:1/-1;grid-row:1;text-align:center}.ala-exam-gate{padding:35px 22px}.ala-exam-gate h2{font-size:34px}.ala-scorebox{align-items:flex-start;flex-direction:column}.ala-certificate-card{padding:30px 20px}.ala-certificate-card h1{font-size:34px}}

/* ===== ClearToHome V2.4 consumer landing + dedicated Academy login ===== */
.cth-home-v24{background:#f5f7f9;color:#102a43;overflow:hidden}
.v24-home-hero{display:grid;grid-template-columns:1.02fr .98fr;min-height:690px;background:#071f36}
.v24-home-copy{padding:76px max(34px,5.5vw);display:flex;flex-direction:column;justify-content:center;color:#fff;background:radial-gradient(circle at 14% 12%,rgba(244,165,36,.19),transparent 30%),linear-gradient(135deg,#061a2c 0%,#0a3152 100%)}
.v24-kicker{font-size:12px;font-weight:900;letter-spacing:.16em;color:#ffc04a;text-transform:uppercase}.v24-kicker.dark{color:#b96c00}
.v24-home-copy h1{font-size:clamp(48px,5.5vw,78px);line-height:.97;letter-spacing:-.045em;max-width:780px;margin:14px 0 22px}
.v24-home-lead{max-width:760px;font-size:20px;line-height:1.6;color:#dbe7f0;margin:0}
.v24-home-actions,.v24-final-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.v24-btn-primary,.v24-btn-secondary,.v24-btn-outline{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 22px;border-radius:10px;font-weight:900;text-decoration:none;transition:.18s}
.v24-btn-primary{background:linear-gradient(90deg,#ffc340,#f39313);color:#071f36;box-shadow:0 12px 28px rgba(242,147,19,.22)}.v24-btn-primary:hover{transform:translateY(-2px)}
.v24-btn-secondary{background:#fff;color:#08243d}.v24-btn-outline{border:2px solid #0b2d49;color:#0b2d49;background:#fff}
.v24-trust-row{display:flex;gap:18px;flex-wrap:wrap;margin-top:30px;color:#ffd58a;font-size:13px;font-weight:800}
.v24-home-photo{position:relative;min-height:690px;background:url('/assets/images/homebuyer-keys.jpg') center center/cover no-repeat}
.v24-home-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,31,54,.16),transparent 34%,rgba(0,0,0,.03))}
.v24-photo-message{position:absolute;z-index:2;left:30px;right:30px;bottom:30px;padding:22px 24px;border-radius:18px;background:rgba(6,27,47,.9);border:1px solid rgba(255,255,255,.16);color:#fff;box-shadow:0 18px 45px rgba(0,0,0,.24)}
.v24-photo-message span{font-size:11px;letter-spacing:.16em;color:#ffc04a;font-weight:900}.v24-photo-message strong{display:block;font-size:23px;margin-top:5px}.v24-photo-message p{margin:5px 0 0;color:#dbe6ef}
.v24-start-wrap{max-width:1260px;margin:-54px auto 0;padding:0 24px;position:relative;z-index:4}.v24-start-card{background:#fff;border-radius:24px;box-shadow:0 24px 65px rgba(19,41,61,.16);padding:30px;display:grid;grid-template-columns:.84fr 1.16fr;gap:32px;align-items:center}
.v24-start-copy h2{font-size:40px;line-height:1.04;margin:8px 0 12px}.v24-start-copy p{color:#63768a;font-size:17px;line-height:1.6}
.v24-mini-steps{display:flex;align-items:center;gap:9px;flex-wrap:wrap;margin-top:20px;color:#334c61;font-weight:800;font-size:13px}.v24-mini-steps span{display:flex;align-items:center;gap:6px}.v24-mini-steps b{display:inline-flex;width:27px;height:27px;border-radius:50%;align-items:center;justify-content:center;background:#0a2c49;color:#ffc24a}.v24-mini-steps i{height:1px;min-width:18px;flex:1;background:#d6e0e7}
.v24-quick-form{border:1px solid #dce5ec;border-radius:19px;padding:22px;background:#fbfcfd}.v24-form-title{display:flex;justify-content:space-between;gap:15px;align-items:center;margin-bottom:14px}.v24-form-title strong{font-size:20px}.v24-form-title span{font-size:12px;font-weight:900;color:#19704a;background:#e8f7ef;border-radius:30px;padding:6px 10px}.v24-form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}.v24-form-button{width:100%;border:0;border-radius:9px;padding:14px 18px;margin-top:12px;background:#0a2c49;color:#fff;font-size:16px;font-weight:900;cursor:pointer}.v24-disclaimer{font-size:11px;color:#718296;line-height:1.45;margin:10px 0 0}
.v24-section{max-width:1260px;margin:0 auto;padding:84px 24px}.v24-section-title{max-width:850px;margin-bottom:30px}.v24-section-title h2{font-size:44px;line-height:1.06;margin:8px 0 12px}.v24-section-title p{font-size:18px;line-height:1.65;color:#64778a}.v24-benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.v24-benefit-grid article{background:#fff;border:1px solid #dce5ec;border-radius:20px;padding:28px;box-shadow:0 10px 28px rgba(23,52,77,.06)}.v24-icon{width:52px;height:52px;border-radius:15px;display:flex;align-items:center;justify-content:center;background:#fff0d3;color:#a85f00;font-size:27px;font-weight:900}.v24-benefit-grid h3{font-size:24px;margin:18px 0 8px}.v24-benefit-grid p{color:#64778a;line-height:1.6;margin:0}
.v24-program-band{background:#08233c;color:#fff;padding:80px 24px}.v24-program-inner{max-width:1260px;margin:auto;display:grid;grid-template-columns:.85fr 1.15fr;gap:48px;align-items:center}.v24-program-copy h2{font-size:44px;line-height:1.06;margin:10px 0 14px}.v24-program-copy p{color:#cfdae4;font-size:18px;line-height:1.65}.v24-text-link{color:#ffc34b;font-weight:900;text-decoration:none}.v24-program-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}.v24-program-grid article{padding:22px;border-radius:16px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14)}.v24-program-grid b{display:block;color:#ffc34b;letter-spacing:.08em;margin-bottom:6px}.v24-program-grid span{color:#e3ebf2;line-height:1.45}
.v24-final-cta{max-width:1260px;margin:0 auto;padding:76px 24px;display:flex;justify-content:space-between;align-items:center;gap:34px}.v24-final-cta h2{font-size:42px;margin:7px 0 10px}.v24-final-cta p{font-size:18px;color:#64778a}
.ala-login-page{min-height:calc(100vh - 90px);padding:55px 24px;background:radial-gradient(circle at 10% 10%,rgba(242,170,0,.13),transparent 26%),linear-gradient(135deg,#061b2e,#0b3153)}
.ala-login-shell{max-width:1100px;margin:auto;display:grid;grid-template-columns:1fr 520px;overflow:hidden;border-radius:26px;background:#fff;box-shadow:0 28px 70px rgba(0,0,0,.25)}
.ala-login-intro{padding:58px;color:#fff;background:linear-gradient(145deg,#071f36,#0d3b61);display:flex;flex-direction:column;justify-content:center}.ala-login-mark{width:68px;height:68px;border:2px solid #f2aa00;border-radius:20px;display:flex;align-items:center;justify-content:center;color:#ffc044;font-size:22px;font-weight:1000;margin-bottom:22px}.ala-login-intro h1{font-size:52px;line-height:1;margin:9px 0 16px}.ala-login-intro>p{font-size:18px;line-height:1.65;color:#dbe6ef}.ala-login-features{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:24px 0}.ala-login-features span{padding:12px;border-radius:10px;background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.1);font-size:13px;font-weight:800}.ala-back-career{color:#ffc04a;font-weight:900;text-decoration:none;margin-top:12px}.ala-login-card{padding:52px 44px}.ala-login-card-head small{font-weight:900;color:#b46900;letter-spacing:.14em}.ala-login-card-head h2{font-size:34px;margin:7px 0}.ala-login-card-head p{color:#66798c;line-height:1.55;margin-bottom:25px}.ala-login-submit{width:100%;margin-top:8px;background:#f2aa00!important;color:#071f36!important;font-size:16px;padding:14px!important}.ala-login-help{margin-top:17px;padding:15px;border-radius:10px;background:#fff6df}.ala-login-help a{display:block;color:#8c5500;font-weight:900}.ala-login-help span{display:block;color:#7b6a54;font-size:12px;margin-top:5px}.ala-login-divider{display:flex;align-items:center;gap:10px;margin:24px 0 14px;color:#8695a2;font-size:10px;font-weight:900;letter-spacing:.1em}.ala-login-divider:before,.ala-login-divider:after{content:"";height:1px;background:#e2e8ed;flex:1}.ala-professional-login{display:block;text-align:center;border:1px solid #cfd9e1;border-radius:9px;padding:12px;color:#203a50;font-weight:900;text-decoration:none}
@media(max-width:980px){.v24-home-hero,.v24-start-card,.v24-program-inner,.ala-login-shell{grid-template-columns:1fr}.v24-home-photo{min-height:500px}.v24-start-wrap{margin:0;padding:0}.v24-start-card{border-radius:0;box-shadow:none}.v24-benefit-grid{grid-template-columns:1fr}.ala-login-intro{padding:40px}.ala-login-card{padding:38px}}
@media(max-width:640px){.v24-home-copy{padding:50px 24px}.v24-home-copy h1{font-size:46px}.v24-home-lead{font-size:17px}.v24-home-photo{min-height:430px}.v24-start-card{padding:24px}.v24-form-grid,.v24-program-grid,.ala-login-features{grid-template-columns:1fr}.v24-section-title h2,.v24-program-copy h2,.v24-final-cta h2{font-size:34px}.v24-final-cta{align-items:flex-start;flex-direction:column}.ala-login-page{padding:22px 12px}.ala-login-intro{padding:32px 26px}.ala-login-intro h1{font-size:42px}.ala-login-card{padding:30px 24px}}
/* V2.4 Academy visual refinement: visual cues match the subject without unrelated stock photography */
.ala-lesson-title-wrap{display:flex;gap:18px;align-items:flex-start}.ala-module-hero-icon{flex:0 0 68px;width:68px;height:68px;border-radius:18px;background:linear-gradient(135deg,#0a2c49,#124d7c);color:#fff;display:grid;place-items:center;font-size:31px;box-shadow:0 10px 25px rgba(9,42,70,.16)}
.ala-slide-content{position:relative;overflow:hidden;background:linear-gradient(160deg,#fff 0%,#fbfcfd 100%)}.ala-slide-visual{position:absolute;right:28px;top:28px;width:104px;height:104px;border-radius:28px;background:#f7ecd8;border:1px solid #ecd3a9;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#9b5e00;opacity:.95}.ala-slide-visual span{font-size:42px;line-height:1}.ala-slide-visual small{font-size:9px;letter-spacing:.12em;font-weight:900;margin-top:8px}.ala-slide-content h2,.ala-slide-content>p,.ala-takeaway{max-width:760px}.ala-slide-content h2{padding-right:110px}.ala-module-id{display:flex;align-items:center;gap:8px}.ala-module-icon{width:43px;height:43px;border-radius:12px;background:#fff0d6;color:#9b5c00;display:grid;place-items:center;font-size:21px}.ala-module-card.complete .ala-module-icon{background:#e6f5ea;color:#287b3b}
@media(max-width:700px){.ala-lesson-title-wrap{flex-direction:column}.ala-module-hero-icon{width:58px;height:58px;flex-basis:58px}.ala-slide-visual{width:72px;height:72px;right:18px;top:18px;border-radius:20px}.ala-slide-visual span{font-size:30px}.ala-slide-visual small{display:none}.ala-slide-content h2{padding-right:65px}}
.public-main-nav{display:flex;align-items:center;gap:4px;flex-wrap:wrap}.public-main-nav a{white-space:nowrap}.public-main-nav .public-login{border:1px solid rgba(255,255,255,.28);border-radius:8px;padding:8px 11px}
/* ClearToHome v3.6 borrower portal enhancement */
.borrower-kpis{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}.portal-top-kpis{margin-top:18px}.portal-kpi{background:#fff;border:1px solid var(--line);border-radius:16px;padding:18px;box-shadow:0 7px 20px rgba(7,29,43,.06)}.portal-kpi span{display:block;color:var(--muted);font-size:13px;font-weight:800;text-transform:uppercase;letter-spacing:.04em}.portal-kpi strong{display:block;font-size:28px;line-height:1.1;margin-top:7px;color:#082e53}.portal-kpi small{display:block;margin-top:7px;color:var(--muted);line-height:1.35}.portal-kpi.action{display:flex;flex-direction:column;justify-content:center}.portal-kpi.action .btn{margin-top:9px;text-align:center}.payment-breakdown tr.total th,.payment-breakdown tr.total td,.borrower-estimate tr.total th,.borrower-estimate tr.total td{font-size:18px;font-weight:900;border-top:2px solid #082e53}.lo-card{display:grid;grid-template-columns:minmax(120px,220px) 1fr;gap:24px;align-items:center}.lo-card .company-logo{display:block;max-width:200px;max-height:80px;object-fit:contain;margin-bottom:12px}.lo-card .lo-photo{width:110px;height:110px;object-fit:cover;border-radius:18px;border:1px solid var(--line)}
@media(max-width:900px){.borrower-kpis{grid-template-columns:1fr 1fr}.lo-card{grid-template-columns:1fr}.lo-card .company-logo{max-width:170px}}
@media(max-width:560px){.borrower-kpis{grid-template-columns:1fr}.portal-kpi strong{font-size:25px}}
@media print{.top,.nav,footer,.mortgage-ai-wrap,.mortgage-ai-fab{display:none!important}.wrap{max-width:none!important}.btn{display:none!important}.card,.portal-kpi{box-shadow:none!important;break-inside:avoid}}