/* Shared launch refinements: the application is the primary product action. */
.heloc-hero{padding:clamp(40px,6vw,80px) 0;background:#071b37;color:#fff}
.heloc-hero-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,1fr);gap:clamp(32px,6vw,80px);align-items:center}
.heloc-hero .eyebrow{color:#a9c9f6}
.heloc-hero h1{color:#fff;font-family:var(--display);font-size:clamp(2.4rem,4.8vw,4.1rem);line-height:1.08;letter-spacing:-.025em;max-width:17ch;margin:18px 0 24px}
.heloc-hero .lede{color:#d5dfec;font-size:1.125rem;max-width:50ch}
.heloc-hero .hero-cta{gap:18px 24px;margin-top:30px;display:flex;flex-wrap:wrap}
.heloc-hero .hero-cta .text-link{color:#d7e7fc;text-decoration:underline;text-underline-offset:5px}
.heloc-risk{margin-top:24px;max-width:56ch;font-size:.875rem;line-height:1.65;color:#c5d2e2}
.heloc-entry{background:#fff;color:var(--ink);border:1px solid #cddbeb;border-top:4px solid #699de7;border-radius:10px;padding:clamp(24px,3vw,36px)}
.heloc-entry h2{font-size:clamp(1.45rem,2.4vw,2rem);line-height:1.25;margin:14px 0 24px}
.heloc-entry ol{padding:0;margin:0 0 24px;list-style:none}
.heloc-entry li{display:grid;grid-template-columns:28px minmax(0,1fr);gap:14px;padding:16px 0;border-top:1px solid var(--line)}
.heloc-entry li>span{font-size:.875rem;color:var(--blue);font-weight:700}
.heloc-entry li b{font-size:1rem;line-height:1.5;color:var(--navy)}
.heloc-entry li p{font-size:.9375rem;color:var(--muted);margin:5px 0 0}
.heloc-principles{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}
.heloc-principles article{padding:22px 0;border-top:2px solid #bed1ed}
.heloc-principles h2{font-size:1.25rem;line-height:1.35;margin:12px 0}
.heloc-principles p{color:var(--muted);font-size:1rem}
.heloc-section-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:clamp(32px,6vw,72px);align-items:start}
.heloc-section-grid h2{margin:14px 0 22px;max-width:22ch}
.heloc-section-grid>.calc-card{max-width:none;width:100%;margin:0;padding:28px}
.heloc-section-grid p{margin-bottom:20px}
.heloc-process{list-style:none;padding:0;margin:0}
.heloc-process li{display:grid;grid-template-columns:32px minmax(0,1fr);gap:18px;border-top:1px solid var(--line);padding:24px 0}
.heloc-process li:first-child{padding-top:0;border:0}
.heloc-process li>span{width:32px;height:32px;display:grid;place-items:center;background:#dfeafa;color:#164d94;border-radius:50%;font-size:.875rem;font-weight:700}
.heloc-process h3{font-size:1.125rem;margin:2px 0 10px}
.heloc-process p{font-size:1rem;color:var(--muted);margin:0}
.heloc-use-card{padding:30px;border:1px solid var(--line);border-radius:8px;background:#f5f8fc}
.heloc-use-card h3{font-size:1.3rem;margin:0 0 18px}
.heloc-use-card ul{padding-left:22px;margin:0 0 20px}
.heloc-use-card li{margin-bottom:12px}
.heloc-use-card p{color:var(--muted);margin:0}
.heloc-calculator>.btn{margin-top:20px}
.heloc-calculator .calc-disclaimer{font-size:.875rem;line-height:1.65;margin-bottom:0}
.heloc-calculator .calc-grid{grid-template-columns:1fr 1fr;gap:18px}
.heloc-v17 .nav-right>.btn{font-size:.875rem}
.home-v17 .intake-label{padding:0;margin:0;color:#28518a;text-transform:uppercase;letter-spacing:.08em;font-size:.8125rem;font-weight:750}
.home-v17 .capital-intake h2{max-width:18ch;margin-top:14px}
.home-v17 .hero-trust span{font-size:.875rem}
.home-v17 .review-board::before,.home-v17 .review-scan span::after{display:none}
.home-v17 .review-board-head{font-size:.8125rem;line-height:1.6;letter-spacing:.03em}
.home-v17 .review-board-head span:last-child{color:#c0d3eb}
.home-v17 .review-scan span{padding:20px 0}
.home-v17 .review-scan b{font-size:1.125rem}
.home-v17 .review-scan em{font-size:.9375rem}
.home-v17 .home-close .cta-band{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:20px 32px;align-items:center}
.home-v17 .close-secondary{grid-column:1/-1;width:fit-content;font-size:.9375rem;color:#dbe9fd;text-decoration:underline;text-underline-offset:4px}
.home-v17 .product-row em{font-size:.875rem}
.research-nav{display:flex;flex-wrap:wrap;gap:8px 30px;margin:28px 0 0;padding-top:20px;border-top:1px solid var(--line)}
.research-nav a{padding:8px 0;color:#224d86;font-size:.9375rem;font-weight:650;text-decoration:underline;text-decoration-color:#b3c8e4;text-underline-offset:7px}
.product-rate-actions{display:flex;align-items:center;flex-wrap:wrap;gap:10px 22px;margin-top:20px;padding-top:18px;border-top:1px solid var(--line)}
.product-rate-actions a{font-size:.9375rem;font-weight:700;color:#185291;text-decoration:underline;text-underline-offset:4px}
.product-rate-actions a:last-child{font-weight:550;color:#465e7d}
.official-release{margin-top:12px;border:1px solid var(--line);border-radius:6px;padding:14px 18px;background:#fbfcfe}
.official-release summary{cursor:pointer;color:#264e83;font-size:.9375rem;font-weight:650;line-height:1.5}
.official-release .update-meta{margin-top:14px}
.official-release p{margin-top:14px}
.intelligence-next-actions{display:flex;flex-direction:column;align-items:flex-start;gap:16px;flex-shrink:0}
.intelligence-next-actions .text-link{color:#e2edfc;text-decoration:underline;text-underline-offset:4px;font-size:.9375rem}
.quick-capital .home-amount-field{display:flex;align-items:center;gap:8px;min-width:0;background:#f8fafc;border:1px solid #cfd9e6;border-radius:8px}
.quick-capital .home-amount-field::before{content:none}
.home-amount-prefix{flex:none;margin-left:15px;color:var(--muted);font-size:1rem;line-height:1.5;font-weight:650;pointer-events:none}
.quick-capital .home-amount-field .input{flex:1;min-width:0;width:100%;height:52px;margin:0;padding:12px 14px 12px 0;border:0;background:transparent;box-shadow:none;font-size:1rem;line-height:1.5}
.quick-capital .home-amount-field:focus-within{border-color:var(--blue);box-shadow:0 0 0 3px rgba(21,94,239,.12)}
.page-hero:not(.page-hero--ice) .eyebrow{color:#a9c9f6}
.product-research-inner{display:flex;gap:24px 40px;align-items:center;justify-content:space-between;border-top:1px solid var(--line);padding-top:28px}
.product-research h2{font-size:1.35rem;margin:12px 0}.product-research p{font-size:1rem;color:var(--muted);margin:0}
.product-research .text-link{flex-shrink:0;font-size:.9375rem}
@media(max-width:960px){.heloc-hero-grid{gap:32px}.heloc-entry{padding:24px}.heloc-principles{gap:24px}.heloc-section-grid{gap:32px}}
@media(max-width:800px){
 .heloc-hero-grid,.heloc-section-grid{grid-template-columns:1fr}
 .product-research-inner{align-items:flex-start;flex-direction:column}
 .heloc-hero h1{max-width:19ch}.heloc-entry{max-width:none}
 .heloc-principles{grid-template-columns:1fr;gap:0}
 .heloc-section-grid h2{max-width:28ch}
}
@media(max-width:600px){
 .heloc-hero{padding-block:36px}.heloc-hero .hero-cta{align-items:stretch;flex-direction:column}
 .heloc-hero .hero-cta .text-link{align-self:flex-start;padding-block:8px}
 .heloc-hero .lede{font-size:1.0625rem}.heloc-risk{margin-top:20px}
 .heloc-section-grid>.calc-card,.heloc-use-card{padding:22px}
 .heloc-calculator .calc-grid{grid-template-columns:1fr}
 .home-v17 .home-close .cta-band{grid-template-columns:1fr}
 .home-v17 .home-close .cta-band>.btn{justify-self:stretch}
 .research-nav{gap:8px 20px;margin-top:20px}
 .research-nav a{font-size:.875rem;line-height:1.5}
 .heloc-v17 .nav-right>.btn{font-size:.8125rem;padding:10px 13px}
}
@media(prefers-reduced-motion:no-preference){
 .heloc-entry{animation:productSwitch .35s ease-out both}
 .research-nav a,.product-rate-actions a{transition:color .18s ease}
}

/* iPhone navigation: viewport-level panel, safe-area spacing, native controls. */
body>.drawer{height:100vh;height:100dvh;isolation:isolate}
.drawer-panel{height:100%;max-height:100%;overflow-y:auto;overscroll-behavior-y:contain;-webkit-overflow-scrolling:touch;padding-bottom:calc(24px + env(safe-area-inset-bottom));padding-top:calc(20px + env(safe-area-inset-top))}
.drawer .m-sub a,.drawer .m-link,.drawer .m-group>button{min-height:44px;touch-action:manipulation}
.drawer .m-sub a{display:flex;align-items:center;font-size:1rem}
.drawer .m-group>button{font-size:1rem}
@media(max-width:480px){.m-group[data-open="true"] .m-sub{grid-template-columns:1fr}}

/* v23: clear product entry points and compact, consistent submenus. */
.nav-top{font-family:inherit;border:0;background:transparent;cursor:pointer}
.mega--single{width:280px;max-width:calc(100vw - 48px);padding:12px}
.mega--single .mega-list{grid-template-columns:1fr;gap:3px}
.mega--single .mega-list a{white-space:normal;line-height:1.45;font-size:.9375rem}
.directory-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.directory-card{position:relative;isolation:isolate;display:flex;flex-direction:column;gap:16px;overflow:hidden;padding:30px;border:1px solid #ccd9ea;border-radius:10px;background:#fff;color:var(--navy);min-width:0;transition:border-color .2s,box-shadow .2s,transform .2s}
.directory-card>*{position:relative;z-index:1}
.directory-card::before{content:"";position:absolute;inset:0;background:linear-gradient(105deg,transparent 30%,rgba(53,114,203,.1) 50%,transparent 70%);transform:translateX(-110%);pointer-events:none}
.directory-number{font-size:.875rem;letter-spacing:.08em;color:#225a9f;font-weight:700}
.directory-card h3{margin:0;font-size:1.4rem;line-height:1.3}
.directory-card p{margin:0;font-size:1rem;line-height:1.65;color:var(--muted)}
.directory-action{display:flex;align-items:center;justify-content:space-between;gap:14px;margin-top:auto;padding-top:18px;border-top:1px solid var(--line);font-size:.9375rem;font-weight:700;line-height:1.5}
.directory-action>span{font-size:1.35rem;flex:none}
.directory-card:hover,.directory-card:focus-visible{border-color:#4485d5;box-shadow:0 12px 28px rgba(15,49,97,.09);color:var(--navy)}
.home-equity-section .heloc-section-grid{align-items:center}
.home-equity-section h2{max-width:18ch}
.heloc-calculator .calc-out{transition:box-shadow .2s,border-color .2s}
.heloc-calculator:focus-within .calc-out{box-shadow:0 0 0 3px rgba(77,137,224,.23)}
.attachment-limit{margin:12px 0 24px}
.application-header .app-return{white-space:normal;line-height:1.4;text-align:right}
@media(max-width:1240px){.nav-links{display:none}.hamburger{display:flex}.nav-right>.btn{display:none}}
@media(max-width:800px){.directory-grid{grid-template-columns:1fr}.directory-card{padding:24px}.directory-card h3{font-size:1.3rem}}
@media(max-width:380px){.choice-grid{grid-template-columns:1fr}.form-nav .btn{padding-inline:12px}}
@keyframes directoryShine{from{transform:translateX(-110%)}to{transform:translateX(110%)}}
@media(prefers-reduced-motion:no-preference){.directory-card:hover,.directory-card:focus-visible{transform:translateY(-3px)}.directory-card:hover::before,.directory-card:focus-visible::before{animation:directoryShine .7s ease-out}}
@media(prefers-reduced-motion:reduce){.directory-card,.heloc-calculator .calc-out{transition:none}.directory-card::before{display:none}.directory-card:hover,.directory-card:focus-visible{transform:none}}

/* Direct page links and independent dropdown controls. */
.nav-item{display:flex;align-items:center;gap:0}
.nav-item>.nav-parent{padding-right:3px;min-height:44px}
.nav-item>.nav-toggle{display:inline-flex;align-items:center;justify-content:center;flex:0 0 26px;width:26px;min-height:44px;padding:0;border:0;border-radius:5px;background:transparent;color:var(--navy);font:inherit;cursor:pointer}
.nav-item>.nav-toggle .chev{width:14px;height:14px;transition:transform .18s ease}
.nav-item>.nav-toggle:hover,.nav-item>.nav-toggle:focus-visible{background:var(--ice);color:var(--blue)}
.nav-item[data-open="true"]>.nav-toggle .chev{transform:rotate(180deg)}
.drawer .m-group{display:grid;grid-template-columns:minmax(0,1fr) 48px}
.drawer .m-parent{display:flex;align-items:center;min-height:58px;padding:15px 8px;border-bottom:1px solid var(--line);color:var(--navy);font-size:1rem;font-weight:650;line-height:1.5}
.drawer .m-group>.nav-mobile-toggle{justify-content:center;min-height:58px;padding:12px;border-left:1px solid var(--line);border-radius:0}
.drawer .nav-mobile-toggle .chev{width:18px;height:18px;transition:transform .18s ease}
.drawer .m-group[data-open="true"]>.nav-mobile-toggle .chev{transform:rotate(180deg)}
.drawer .m-sub{grid-column:1/-1}
.capital-intake .request-privacy{display:flex;align-items:flex-start;gap:9px;max-width:none;margin:17px 0 0;padding-top:14px;border-top:1px solid #dce4ee;color:#50627a;font-size:.8125rem;line-height:1.65}
.request-privacy svg{flex:0 0 16px;width:16px;height:16px;margin-top:3px}
.request-privacy a{color:#315f97;text-decoration:underline;text-underline-offset:3px}
@media(prefers-reduced-motion:reduce){.nav-item>.nav-toggle .chev,.drawer .nav-mobile-toggle .chev{transition:none}}

/* v28: one viewport header, contained drawer, and content that can reflow.
   No page-wide overflow mask or zoom restriction: tables scroll in their own box. */
html.application-page{--header-h:64px}
body{padding-top:var(--header-offset,calc(var(--header-h) + env(safe-area-inset-top,0px) + 1px))}
.site-header,.application-header{position:fixed;inset:0 0 auto;z-index:70;width:auto;height:auto;min-height:var(--header-h);padding-top:env(safe-area-inset-top,0px);background:#fff;backdrop-filter:none;-webkit-backdrop-filter:none}
.site-header.is-scrolled{background:#fff}
.site-header .nav,.application-header .wrap{height:auto;min-height:var(--header-h);padding-block:8px}
.site-header .brand,.application-header .brand{min-width:0;flex:0 1 auto;white-space:normal;line-height:1.2}
.site-header .nav-right,.site-header .hamburger{flex-shrink:0}
.application-header .wrap{gap:16px}
.application-header .app-return{max-width:48%;overflow-wrap:anywhere}
.wrap,.wrap-narrow,.financing-overview .fo-container{padding-left:max(var(--gut),env(safe-area-inset-left,0px));padding-right:max(var(--gut),env(safe-area-inset-right,0px))}
.aside{top:calc(var(--header-offset,var(--header-h)) + 24px)}
/* A translated, invisible menu must not enlarge the document's scrollable width. */
body>.drawer{overflow:hidden;overscroll-behavior:none;pointer-events:none}
body>.drawer[data-open="true"]{pointer-events:auto}
.drawer-panel{max-width:100%;padding-left:max(20px,env(safe-area-inset-left,0px));padding-right:max(20px,env(safe-area-inset-right,0px))}
.drawer .m-parent,.drawer .m-link,.drawer .m-sub a{min-width:0;overflow-wrap:anywhere}
/* Intrinsic control sizes and unbroken customer entries cannot widen a column. */
.input,.select,.textarea{min-width:0;width:100%;font-size:max(1rem,16px)}
main :where(a,button,fieldset,details,summary){min-width:0}
main :where(p,li,dd,a,label,button),.footer-email a{overflow-wrap:anywhere}
.table-wrap{width:100%;max-width:100%;min-width:0}
.table-wrap:focus-visible{outline:3px solid #8db3f7;outline-offset:3px}
.form-nav .btn{min-width:0;flex:0 1 auto}
.intake-status{display:block;font-size:1rem;font-weight:400;letter-spacing:normal;text-transform:none}
/* The application title/progress and actions occupy normal document space.
   The masthead is the only pinned element in either application. */
.application-body .apx-head{position:static;inset:auto;z-index:auto;backdrop-filter:none;-webkit-backdrop-filter:none}
.application-body .form-nav{position:static;inset:auto;z-index:auto;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px;margin:24px 0 0;padding:20px 0 max(20px,env(safe-area-inset-bottom,0px));border-top:1px solid var(--line);border-radius:0;background:#fff;backdrop-filter:none;-webkit-backdrop-filter:none}
.application-body .form-nav>.btn{flex:0 1 auto;min-width:112px;max-width:100%;white-space:normal;line-height:1.4}
.application-body .form-nav>[data-next]{margin-left:auto}
/* Section navigation stays with its section instead of covering page content. */
.subnav{position:static;inset:auto;z-index:auto;background:#f5f8fc;backdrop-filter:none;-webkit-backdrop-filter:none}
.subnav-inner{flex-wrap:wrap;gap:6px 24px;overflow:visible;padding-block:12px}
.subnav a{display:inline-flex;align-items:center;min-height:40px;white-space:normal;line-height:1.5}
@media(max-width:480px){
 .site-header .nav{gap:12px}
 .contact-hero-split{gap:26px}
 .app-card{padding:22px 18px}
 .form-nav .btn{padding-inline:14px;line-height:1.4}
 .footer-top{column-gap:20px}
}