/* =====================================================================
   MP26 — implementation of the approved Claude Design "MP26 Site".
   Inline design styles converted to .mp-* classes. Neutrals fixed here;
   brand colors come from cssvariables.css (per-LO overridable).
   Un-prefixed V1-25 sections are unaffected (different class names) until
   each is reskinned.
   ===================================================================== */
:root{ --paper:#fff; --ink:#293742; --muted:#647581; --line:#e6edf1; --soft:#f5f8fa;
  --fam:'Plus Jakarta Sans',system-ui,-apple-system,Segoe UI,Roboto,sans-serif; }

.mp{font-family:var(--fam);color:var(--ink);line-height:1.6;-webkit-font-smoothing:antialiased;background:var(--paper);}
.mp *{box-sizing:border-box;}
.mp a{text-decoration:none;}
.mp a:not(.mp-btn){color:var(--blue);}          /* buttons keep their own color (don't override to navy) */
.mp a:not(.mp-btn):hover{opacity:.82;}
.mp img{max-width:100%;}

/* ---- shared primitives ---- */
.mp-wrap{max-width:1360px;margin:0 auto;padding:0 clamp(20px,4vw,40px);}
.mp-sec{padding:90px 0;}
.mp-center{text-align:center;}
.mp-eyebrow{font-weight:700;font-size:14px;letter-spacing:.12em;text-transform:uppercase;color:var(--blue);margin:0 0 16px;}
.mp-h1{font-weight:800;font-size:clamp(44px,5.4vw,66px);line-height:1.04;letter-spacing:-.03em;color:var(--dark);margin:0;}
.mp-h2{font-weight:800;font-size:clamp(30px,3.6vw,42px);line-height:1.08;letter-spacing:-.025em;color:var(--dark);margin:0;}
.mp-lead{font-size:18px;color:var(--muted);margin:16px 0 0;}
.mp-btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;font-size:15px;padding:15px 28px;border-radius:12px;border:none;cursor:pointer;line-height:1.2;transition:transform .15s ease,filter .18s ease;white-space:nowrap;}
.mp-btn-primary{background:var(--buttonscolor);color:#fff;}
.mp-btn-primary:hover{filter:brightness(1.05);opacity:1;transform:translateY(-1px);}
.mp-btn-line{background:transparent;border:1.5px solid var(--blue);color:var(--blue);}
.mp-btn-line:hover{opacity:1;transform:translateY(-1px);}
.mp-btn-ghost{background:transparent;border:1.5px solid rgba(255,255,255,.45);color:#fff;}

/* ---- topbar ---- */
.mp-topbar{background:var(--blue);color:rgba(255,255,255,.78);font-size:13px;}
.mp-topbar .mp-wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:42px;flex-wrap:wrap;}
.mp-topbar .loc{letter-spacing:.04em;text-transform:uppercase;font-size:11.5px;font-weight:600;color:rgba(255,255,255,.6);}
.mp-topbar .rt{display:flex;gap:22px;flex-wrap:wrap;}
.mp .mp-topbar a{color:rgba(255,255,255,.78);}
.mp .mp-topbar a:hover{color:#fff;opacity:1;}
.mp-topbar .mp-top-social{display:inline-flex;align-items:center;gap:15px;}
.mp-topbar .mp-top-social a{display:inline-flex;align-items:center;color:rgba(255,255,255,.7);}
.mp-topbar .mp-top-social a:hover{color:var(--yellow);opacity:1;}
.mp-topbar .mp-top-social svg{width:14px;height:14px;}

/* ---- nav ---- */
.mp-nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--line);}
.mp-nav .mp-wrap{display:flex;align-items:center;gap:28px;height:88px;}
.mp-brand{display:flex;align-items:center;line-height:1.05;color:var(--dark);flex:0 0 auto;}
.mp-brand img{max-height:56px;width:auto;display:block;}
.mp-brand .wm{display:flex;flex-direction:column;}
.mp-brand .wm b{font-weight:800;font-size:22px;letter-spacing:-.03em;}
.mp-brand .wm b i{color:var(--buttonscolor);font-style:normal;}
.mp-brand .wm span{font-weight:600;font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);}
.mp-navlinks{display:flex;align-items:center;gap:24px;margin-left:auto;flex-wrap:nowrap;}
.mp-navlinks a{font-weight:600;font-size:15.5px;color:var(--dark);white-space:nowrap;}
.mp-navlinks a:hover{opacity:1;color:var(--blue);}
.mp-navlinks a.active{color:var(--buttonscolor);font-weight:700;}
.mp-navgroup{position:relative;display:inline-flex;}
.mp-navtrig{font-family:inherit;background:none;border:0;padding:0;cursor:pointer;font-weight:600;font-size:15.5px;color:var(--dark);display:inline-flex;align-items:center;gap:5px;white-space:nowrap;}
.mp-navtrig .car{transition:transform .2s ease;flex:0 0 auto;}
.mp-navtrig.active{color:var(--buttonscolor);font-weight:700;}
.mp-navgroup:hover .mp-navtrig,.mp-navtrig:focus-visible{color:var(--blue);}
.mp-navgroup.open .mp-navtrig .car{transform:rotate(180deg);}
.mp-navdrop{position:absolute;top:100%;left:50%;transform:translateX(-50%);min-width:196px;margin-top:14px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 18px 44px rgba(28,58,78,.16);padding:8px;display:none;flex-direction:column;gap:2px;z-index:60;}
.mp-navdrop::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px;}
.mp-navgroup.open .mp-navdrop{display:flex;}
.mp-navdrop a{padding:10px 14px;border-radius:9px;font-size:15px;font-weight:600;color:var(--dark);white-space:nowrap;}
.mp-navdrop a:hover{background:var(--soft);color:var(--blue);opacity:1;}
.mp-navdrop a.active{color:var(--buttonscolor);}
.mp-navcta{display:flex;align-items:center;gap:12px;margin-left:auto;flex:0 0 auto;}
.mp-navcta .mp-btn{height:48px;padding-top:0;padding-bottom:0;}
.mp-burger{display:none;width:48px;height:48px;padding:0;background:transparent;border:1.5px solid var(--line);border-radius:10px;cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px;flex:0 0 auto;}
.mp-burger span{display:block;width:20px;height:2px;background:var(--dark);border-radius:2px;transition:transform .2s ease,opacity .2s ease;}
.mp-burger.on span:nth-child(1){transform:translateY(7px) rotate(45deg);}
.mp-burger.on span:nth-child(2){opacity:0;}
.mp-burger.on span:nth-child(3){transform:translateY(-7px) rotate(-45deg);}
.mp-menu{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);box-shadow:0 16px 30px rgba(28,58,78,.12);flex-direction:column;}
.mp-menu.open{display:flex;}
.mp-menu a{display:block;padding:15px clamp(20px,4vw,40px);font-weight:600;font-size:17px;color:var(--dark);border-bottom:1px solid var(--line);}
.mp-menu a:last-child{border-bottom:none;}
.mp-menu a.active{color:var(--buttonscolor);}
.mp-menugroup summary{list-style:none;cursor:pointer;padding:15px clamp(20px,4vw,40px);font-weight:600;font-size:17px;color:var(--dark);border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:space-between;}
.mp-menugroup summary::-webkit-details-marker{display:none;}
.mp-menugroup summary::after{content:"";width:8px;height:8px;border-right:2px solid var(--muted);border-bottom:2px solid var(--muted);transform:rotate(45deg);transition:transform .2s ease;margin-right:4px;}
.mp-menugroup[open] summary::after{transform:rotate(-135deg);}
.mp-menu a.sub{padding-left:clamp(36px,8vw,56px);font-weight:500;font-size:16px;color:var(--muted);}
.mp-menu a.sub.active{color:var(--buttonscolor);}
@media(max-width:1280px){
  .mp-navlinks{display:none;}
  .mp-burger{display:flex;}
  .mp-topbar .mp-top-social{display:none;}   /* socials move into the hamburger menu */
}
/* Social row at the bottom of the mobile menu (overrides the full-width menu-link style). */
.mp-menu-social{display:flex;gap:20px;align-items:center;flex-wrap:wrap;padding:16px clamp(20px,4vw,40px);border-top:1px solid var(--line);}
.mp-menu .mp-menu-social a{padding:0;border:0;color:var(--blue);display:inline-flex;align-items:center;}
.mp-menu .mp-menu-social a:hover{color:var(--buttonscolor);}
.mp-menu-social svg{width:20px;height:20px;}
@media(max-width:560px){ .mp-topbar .loc{display:none;} .mp-navcta .mp-call{display:none;} }

/* ---- hero (home) ---- */
.mp-hero{background:var(--lightblue);overflow:hidden;}
.mp-hero .mp-wrap{padding-top:84px;padding-bottom:84px;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,440px),1fr));gap:56px;align-items:center;}
.mp-hero-h{font-weight:800;font-size:clamp(44px,5.4vw,66px);line-height:1.04;letter-spacing:-.03em;color:var(--dark);margin:0;position:relative;z-index:0;text-wrap:balance;}
.mp-hero .hl{color:var(--yellow);}
.mp-hero .ul{text-decoration:underline;text-decoration-color:var(--yellow);text-underline-offset:8px;text-decoration-thickness:5px;}
.mp-hero .mk{position:relative;color:#fff;padding:0 .12em;}
.mp-hero .mk::before{content:"";position:absolute;left:0;right:0;top:.05em;bottom:.05em;background:var(--yellow);border-radius:8px;z-index:-1;}
.mp-hero-p .mk{color:#fff;}
.mp-hero .lt{font-weight:400;}
.mp-hero-locale{font-weight:700;font-size:16.5px;color:var(--dark);margin:18px 0 10px;}
.mp-hero-locale .more{color:var(--yellow);}
.mp-hero-p{font-size:20px;color:var(--dark);opacity:.78;margin:0 0 22px;max-width:480px;}
.mp-hero-rating{display:flex;align-items:center;gap:10px;margin:0 0 26px;font-size:15px;flex-wrap:wrap;}
.mp-hero-rating .stars{color:var(--yellow);letter-spacing:1px;}
.mp-hero-rating b{color:var(--dark);font-weight:800;}
.mp-hero-rating span{color:var(--muted);}
.mp-hero-cta{display:flex;gap:14px;flex-wrap:wrap;}
/* Social icon rows — hero (light) and footer (dark). Brand SVGs use currentColor. */
.mp-hero-social{display:flex;gap:10px;margin-top:22px;flex-wrap:wrap;}
.mp .mp-hero-social a{width:40px;height:40px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:#fff;color:var(--blue);border:1px solid var(--line);box-shadow:0 2px 8px rgba(28,58,78,.06);transition:transform .15s ease,background .18s ease,color .18s ease,border-color .18s ease;}
.mp .mp-hero-social a:hover{transform:translateY(-2px);background:var(--blue);color:#fff;border-color:var(--blue);opacity:1;}
.mp .mp-hero-social .mp-social-gpt:hover{background:var(--dark);border-color:var(--dark);}
.mp-foot-social{display:flex;gap:10px;margin-top:16px;flex-wrap:wrap;}
.mp-foot .mp-foot-social a{width:38px;height:38px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:rgba(255,255,255,.1);color:#fff;transition:transform .15s ease,background .18s ease,color .18s ease;}
.mp-foot .mp-foot-social a:hover{transform:translateY(-2px);background:var(--yellow);color:var(--dark);opacity:1;}
/* 404 / error page */
.mp-404{text-align:center;padding:clamp(64px,11vw,130px) 0;}
.mp-404-code{font-weight:800;font-size:clamp(100px,22vw,230px);line-height:1;color:var(--blue);letter-spacing:-.04em;margin:6px 0 0;}
.mp-404-title{font-weight:800;font-size:clamp(30px,4.6vw,52px);line-height:1.08;letter-spacing:-.02em;color:var(--dark);margin:4px 0 0;}
.mp-404-text{max-width:540px;margin:16px auto 30px;color:var(--muted);font-size:17px;line-height:1.6;text-wrap:pretty;}
.mp-404-actions{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;}
.mp-hero-media{position:relative;}
.mp-hero-photo{aspect-ratio:4/5;max-height:560px;width:100%;border-radius:22px;overflow:hidden;border:1px solid var(--line);box-shadow:0 26px 54px rgba(28,58,78,.16);background-size:cover;background-position:center;}
.mp-hero-video{position:relative;padding-top:56.25%;border-radius:22px;overflow:hidden;box-shadow:0 26px 54px rgba(28,58,78,.16);}
.mp-hero-video iframe{position:absolute;inset:0;width:100%;height:100%;border:0;}
.mp-hero-badge{position:absolute;left:-18px;bottom:64px;background:#fff;border-radius:16px;padding:16px 20px;box-shadow:0 14px 34px rgba(28,58,78,.16);display:flex;align-items:center;gap:14px;transition:opacity .45s ease,transform .45s ease,visibility .45s;}
.mp-hero-badge.is-faded{opacity:0;visibility:hidden;transform:translateY(10px);pointer-events:none;}
.mp-hero-badge .big{font-weight:800;font-size:30px;color:var(--dark);line-height:1;}
.mp-hero-badge .stars{color:var(--yellow);font-size:13px;letter-spacing:1px;}
.mp-hero-badge small{color:var(--muted);font-size:12px;}

/* ---- about (home) ---- */
.mp-about .mp-wrap{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,380px),1fr));gap:58px;align-items:center;}
.mp-about-photo{aspect-ratio:1/1;max-height:460px;border-radius:20px;overflow:hidden;border:1px solid var(--line);box-shadow:0 20px 44px rgba(28,58,78,.12);background-size:cover;background-position:center;}
.mp-about p.body{font-size:18px;color:#3a4650;margin:0 0 18px;line-height:1.7;text-wrap:pretty;}
.mp-about .sig{font-weight:800;color:var(--blue);font-size:19px;margin:4px 0 0;}

/* ---- testimonial band ---- */
.mp-quote{position:relative;max-width:920px;margin:0 auto;background:var(--lightblue);border:1px solid var(--line);border-radius:24px;padding:46px 40px 40px;text-align:center;overflow:hidden;}
.mp-quote .stars{color:var(--yellow);letter-spacing:2px;font-size:18px;}
.mp-quote .q{font-size:21px;font-weight:600;color:var(--dark);margin:12px auto 10px;max-width:640px;text-wrap:balance;}
.mp-quote .who{font-size:14px;color:var(--muted);margin:0;}

/* ---- steps (process) ---- */
.mp-steps{--step-hl:var(--yellow);display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr));gap:0;margin-top:52px;border-top:2px solid var(--line);}
.mp-step{position:relative;padding:28px 24px 8px 0;display:flex;flex-direction:column;gap:10px;}
/* Timeline progress bar that fills above the active step as the highlight counts through. */
/* Snaps to the active step (no width transition) so a deactivated step's yellow
   segment never lingers/overlaps the next one during a fast scroll handoff. */
.mp-step::before{content:"";position:absolute;top:-2px;left:0;right:0;height:2px;background:var(--step-hl);transform:scaleX(0);transform-origin:left;}
.mp-step.is-active::before{transform:scaleX(1);}
/* Animate only the pop (scale + glow); background/text color snap so the number never
   passes through a low-contrast dark-on-dark state while a step deactivates. */
.mp-step .n{width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;font-size:15px;display:flex;align-items:center;justify-content:center;margin-top:-50px;box-shadow:0 0 0 6px #fff;transition:transform .35s ease,box-shadow .35s ease;}
.mp-step.is-active .n{background:var(--step-hl);color:var(--dark);transform:scale(1.14);box-shadow:0 0 0 6px #fff,0 10px 22px rgba(28,58,78,.22);}
.mp-step h3{font-weight:700;font-size:19px;color:var(--dark);margin:6px 0 0;}
.mp-step p{font-size:15px;color:var(--muted);margin:0;text-wrap:pretty;}
/* Below the width where the 5-across timeline fits, the negative-margin badges would
   overlap the previous step's text. Switch to a clean vertical badge-left list.
   Covers Home / Buy / Refi "mortgage path" steps (all use .mp-steps). */
@media(max-width:1180px){
  .mp-steps{display:flex;flex-direction:column;gap:0;border-top:none;margin-top:40px;}
  .mp-step{display:grid;grid-template-columns:44px 1fr;column-gap:16px;row-gap:5px;padding:22px 0;}
  .mp-step + .mp-step{border-top:1px solid var(--line);}
  .mp-step::before{display:none;}
  .mp-step .n{grid-column:1;grid-row:1 / span 2;margin-top:0;align-self:start;}
  .mp-step h3{grid-column:2;grid-row:1;align-self:center;margin:0;}
  .mp-step p{grid-column:2;grid-row:2;}
}

/* ---- "Other loan types I offer" (self-styled Keap block; needs its own gap under the heading) ---- */
.mp-otherloans{margin-top:48px;}

/* ---- cards (what I do / why) ---- */
.mp-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,250px),1fr));gap:22px;margin-top:52px;}
.mp-card{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:30px 26px;display:flex;flex-direction:column;gap:12px;transition:transform .18s ease,box-shadow .2s ease;}
.mp-card:hover{transform:translateY(-5px);box-shadow:0 18px 40px rgba(28,58,78,.1);}
.mp-card .k{font-weight:800;font-size:13px;letter-spacing:.1em;color:var(--buttonscolor);}
.mp-card h3{font-weight:700;font-size:19px;margin:0;color:var(--dark);}
.mp-card p{font-size:14.5px;color:var(--muted);margin:0;text-wrap:pretty;}

/* ---- audiences (who I help) ---- */
.mp-aud{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,320px),1fr));gap:24px;margin-top:52px;}
.mp-aud-card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:18px;overflow:hidden;background:var(--paper);color:var(--ink);transition:transform .18s ease,box-shadow .2s ease;}
.mp-aud-card:hover{opacity:1;transform:translateY(-5px);box-shadow:0 18px 40px rgba(28,58,78,.1);}
.mp-aud-card .pic{aspect-ratio:16/9;background:var(--lightblue);background-size:cover;background-position:center;}
.mp-aud-card .body{padding:24px 26px;display:flex;flex-direction:column;gap:8px;flex:1;}
.mp-aud-card h3{font-weight:800;font-size:21px;color:var(--dark);margin:0;letter-spacing:-.01em;}
.mp-aud-card p{font-size:15px;color:var(--muted);margin:0;flex:1;text-wrap:pretty;}
.mp-aud-card .cta{font-weight:700;color:var(--blue);font-size:14.5px;margin-top:6px;}

/* ---- team ---- */
.mp-team{display:grid;grid-template-columns:repeat(auto-fill,minmax(min(100%,260px),1fr));gap:24px;margin-top:50px;}
.mp-team-card{display:flex;flex-direction:column;background:var(--paper);border:1px solid var(--line);border-radius:18px;overflow:hidden;transition:transform .18s ease,box-shadow .2s ease;}
.mp-team-card:hover{transform:translateY(-5px);box-shadow:0 18px 40px rgba(28,58,78,.1);}
.mp-team-card .pic{aspect-ratio:1/1;background:var(--lightblue);background-size:cover;background-position:center top;}
.mp-team-card .body{padding:22px 24px;flex:1;display:flex;flex-direction:column;}
.mp-team-card .nm{font-weight:800;font-size:19px;color:var(--dark);margin:0;}
.mp-team-card .role{font-weight:700;font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin:5px 0 0;}
.mp-team-card .nmls{font-size:13px;color:var(--muted);margin:10px 0 0;}
.mp-team-card .links{display:flex;flex-wrap:wrap;gap:6px;margin-top:auto;padding-top:16px;}
.mp-team-card .links a{font-weight:700;font-size:12.5px;padding:7px 14px;border-radius:8px;border:1.5px solid var(--line);color:var(--dark);}
.mp-team-card .links a.apply{border-color:var(--buttonscolor);}
.mp-team-card .links a:hover{opacity:1;border-color:var(--blue);color:var(--blue);}
.mp-team-card .links a.apply:hover{background:var(--buttonscolor);color:#fff;border-color:var(--buttonscolor);}

/* ---- reviews (home) ---- */
.mp-reviews{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr));gap:22px;margin-top:44px;}
.mp-review{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;display:flex;flex-direction:column;gap:14px;}
.mp-review .stars{color:var(--yellow);letter-spacing:1px;}
.mp-review .q{font-size:16px;color:#3a4650;margin:0;flex:1;line-height:1.65;text-wrap:pretty;}
.mp-review .who{font-weight:700;font-size:14px;color:var(--dark);margin:0;}
.mp-review .who span{font-weight:500;color:var(--muted);}

/* ---- CTA band ---- */
.mp-cta{background:var(--blue);border-radius:26px;color:#fff;overflow:hidden;}
.mp-cta-top{padding:clamp(40px,5vw,60px) clamp(28px,4vw,52px);display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,360px),1fr));gap:36px;align-items:center;}
.mp-cta .eyebrow{font-weight:700;font-size:14px;letter-spacing:.12em;text-transform:uppercase;color:var(--yellow);margin:0 0 14px;}
.mp-cta h2{font-weight:800;font-size:clamp(30px,3.4vw,40px);line-height:1.12;margin:0;letter-spacing:-.02em;text-wrap:balance;}
.mp-cta p{color:rgba(255,255,255,.74);margin:12px 0 0;font-size:16.5px;max-width:520px;}
.mp-cta .actions{display:flex;flex-direction:column;gap:12px;align-items:flex-start;}
.mp-cta .row{display:flex;gap:12px;flex-wrap:wrap;}
.mp-cta .note{color:rgba(255,255,255,.62);font-size:14px;margin:4px 0 0;}
.mp-cta .note b{color:#fff;}
.mp-cta .note a{color:#fff;text-decoration:underline;text-underline-offset:2px;}
.mp-cta .note a:hover{opacity:1;color:var(--yellow);}
/* Review strip at the bottom of the CTA card — same layout as the About strip, dark variant. */
.mp-cta-strip{background:rgba(255,255,255,.06);border-top:1px solid rgba(255,255,255,.14);padding:22px clamp(28px,4vw,52px);display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap;}
.mp-cta-strip .q{display:flex;gap:14px;align-items:flex-start;flex:1 1 420px;min-width:260px;}
.mp-cta-strip .qmark{font-family:Georgia,serif;font-size:44px;line-height:.7;color:var(--yellow);flex:0 0 auto;}
.mp-cta-strip .quote{font-weight:600;font-size:16px;line-height:1.45;color:#fff;margin:0;max-width:none;}
.mp-cta-strip .a{display:flex;align-items:center;gap:22px;flex:0 0 auto;}
.mp-cta-strip .who{font-weight:700;font-size:14px;color:#fff;}
.mp-cta-strip .role{color:rgba(255,255,255,.6);font-weight:500;}
.mp-cta .mp-cta-strip .read{font-weight:700;font-size:14px;color:var(--yellow);white-space:nowrap;}
@media(max-width:820px){.mp-cta-strip .a{width:100%;justify-content:space-between;}}

/* ---- footer ---- */
.mp-foot{background:var(--blue);color:rgba(255,255,255,.72);padding:60px 0 34px;}
.mp-footmap{margin-bottom:52px;}
.mp-footmap iframe{display:block;width:100%;height:360px;border:0;border-radius:16px;box-shadow:0 18px 44px rgba(0,0,0,.28);}
.mp-foot .mp-wrap:not(.mp-footmap){display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:40px;}
@media(max-width:860px){ .mp-foot .mp-wrap:not(.mp-footmap){grid-template-columns:1fr 1fr;} }
@media(max-width:520px){ .mp-foot .mp-wrap:not(.mp-footmap){grid-template-columns:1fr;} }
.mp-foot .brand{margin:0 0 14px;font-weight:800;font-size:21px;letter-spacing:-.02em;color:#fff;}
.mp-foot address{font-style:normal;font-size:14px;line-height:1.75;color:rgba(255,255,255,.62);}
.mp-foot h5{font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.5);margin:0 0 16px;}
.mp-foot .col{display:flex;flex-direction:column;gap:10px;font-size:14.5px;}
.mp-foot .col a{color:rgba(255,255,255,.78);}
.mp-foot .col a:hover{color:#fff;opacity:1;}
.mp-foot .badges{display:flex;flex-direction:column;gap:14px;align-items:flex-start;}
.mp-foot .badges .chip{background:#fff;border-radius:6px;padding:6px;display:inline-flex;max-width:96px;}
.mp-foot .badges .chip img{max-width:100%;height:auto;display:block;}
.mp-foot .badges .plain{max-width:72px;height:auto;display:block;}
.mp-foot .legal{grid-column:1/-1;border-top:1px solid rgba(255,255,255,.14);padding-top:24px;margin-top:8px;display:flex;flex-direction:column;gap:14px;}
.mp-foot .legal p{margin:0;font-size:11.5px;line-height:1.6;color:rgba(255,255,255,.45);}
.mp-foot .legal p.licensed{font-size:12px;color:rgba(255,255,255,.62);}
.mp-foot .legal p.licensed strong{color:#fff;}
.mp-foot .legal-row{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:12.5px;}
.mp-foot .legal-row .links{display:flex;gap:18px;flex-wrap:wrap;}
.mp-foot .legal-row a{color:rgba(255,255,255,.62);}
.mp-foot .legal-row .copy{color:rgba(255,255,255,.4);font-size:12px;}

/* ===== sub-page sections ===== */
/* sub-hero */
.mp-subhero{background:linear-gradient(180deg, var(--lightblue) 0%, #fff 260px);overflow:hidden;}
.mp-subhero .mp-wrap{padding-top:72px;padding-bottom:72px;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,420px),1fr));gap:56px;align-items:center;}
.mp-subhero h1{font-weight:800;font-size:clamp(40px,4.6vw,58px);line-height:1.05;letter-spacing:-.03em;color:var(--dark);margin:0;text-wrap:balance;}
.mp-subhero .lead{font-size:19px;color:var(--dark);opacity:.78;margin:20px 0 28px;max-width:520px;text-wrap:pretty;}
.mp-subhero-img{aspect-ratio:4/3;max-height:420px;width:100%;border-radius:22px;overflow:hidden;border:1px solid var(--line);box-shadow:0 26px 54px rgba(28,58,78,.14);background-size:cover;background-position:center;}
/* wrf signup form */
.mp-wrf-form{background:var(--blue);border-radius:22px;padding:34px 30px;color:#fff;}
.mp-wrf-form .kicker{font-weight:700;font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--yellow);margin:0 0 8px;}
.mp-wrf-form h3{font-weight:800;font-size:24px;margin:0 0 18px;letter-spacing:-.02em;}
.mp-wrf-form form{display:flex;flex-direction:column;gap:12px;}
.mp-wrf-form input{width:100%;padding:15px 16px;border-radius:10px;border:1px solid transparent;background:#fff;color:var(--ink);font-size:15px;font-family:inherit;}
.mp-wrf-form button{padding:15px 28px;border-radius:12px;background:var(--buttonscolor);color:#fff;font-weight:700;font-size:15px;border:none;cursor:pointer;}
.mp-wrf-form .fine{margin:14px 0 0;color:rgba(255,255,255,.62);font-size:12.5px;}
/* checklist (buy) */
.mp-checklist{display:flex;flex-direction:column;border-top:1px solid var(--line);}
.mp-checklist .it{display:flex;gap:16px;align-items:flex-start;padding:18px 0;border-bottom:1px solid var(--line);}
.mp-checklist .it .tick{flex:0 0 26px;height:26px;border-radius:50%;background:var(--lightblue);color:var(--blue);font-weight:800;font-size:13px;display:flex;align-items:center;justify-content:center;margin-top:1px;}
.mp-checklist .it h4{font-weight:700;font-size:17px;color:var(--dark);margin:0;}
.mp-checklist .it p{font-size:14.5px;color:var(--muted);margin:2px 0 0;}
.mp-split{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,420px),1fr));gap:56px;align-items:start;}
/* loan types */
.mp-loantabs{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:36px;}
.mp-loantab{padding:10px 18px;border-radius:999px;border:1.5px solid var(--line);background:#fff;color:var(--dark);font-weight:700;font-size:14.5px;cursor:pointer;font-family:inherit;}
.mp-loantab.on{border-color:var(--blue);background:var(--blue);color:#fff;}
/* Mobile: the 10 loan-type tabs become a single swipeable row instead of stacking
   into ~6 rows. Scrollbar hidden; pills don't shrink; snap for a clean feel. */
.mp-loantabs-wrap{position:relative;}
@media(max-width:768px){
  .mp-loantabs{flex-wrap:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch;scroll-snap-type:x proximity;scrollbar-width:none;padding-bottom:4px;margin-bottom:28px;}
  .mp-loantabs::-webkit-scrollbar{display:none;}
  .mp-loantab{flex:0 0 auto;white-space:nowrap;scroll-snap-align:start;}
  /* Right-edge chevron hint that it scrolls; fades out at the end (.end via JS). */
  .mp-loantabs-wrap::after{content:"\203A";position:absolute;top:0;right:0;height:46px;width:64px;display:flex;align-items:center;justify-content:flex-end;padding-right:10px;font:800 24px/1 system-ui,-apple-system,sans-serif;color:var(--blue);background:linear-gradient(90deg,rgba(255,255,255,0),#fff 58%);pointer-events:none;transition:opacity .22s ease;}
  .mp-loantabs-wrap.end::after{opacity:0;}
}
.mp-loanpanel{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,420px),1fr));gap:48px;align-items:start;border:1px solid var(--line);border-radius:22px;padding:clamp(28px,4vw,48px);}
.mp-loanpanel .desc{font-size:17px;color:#3a4650;margin:0 0 24px;line-height:1.7;}
.mp-loanfacts{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:0;border-top:1px solid var(--line);}
.mp-loanfacts .f{padding:20px 16px 20px 0;border-bottom:1px solid var(--line);}
.mp-loanfacts .f .l{font-weight:700;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 6px;}
.mp-loanfacts .f .v{font-weight:800;font-size:22px;color:var(--dark);margin:0;letter-spacing:-.01em;}
/* calculator */
.mp-calc{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,440px),1fr));gap:32px;align-items:start;}
.mp-calc-fields{border:1px solid var(--line);border-radius:22px;padding:clamp(24px,3vw,36px);display:flex;flex-direction:column;gap:26px;}
.mp-calc-fields label{display:flex;flex-direction:column;gap:10px;}
.mp-calc-fields .row{display:flex;justify-content:space-between;gap:12px;align-items:baseline;}
.mp-calc-fields .row .lab{font-weight:700;font-size:14px;color:var(--dark);}
.mp-calc-fields .row .val{font-weight:800;font-size:18px;color:var(--dark);}
.mp-calc-fields input[type=range]{width:100%;accent-color:var(--buttonscolor);height:6px;cursor:pointer;}
.mp-calc-terms{display:grid;grid-template-columns:repeat(3,1fr);border:1.5px solid var(--line);border-radius:12px;overflow:hidden;}
.mp-calc-terms button{padding:12px;border:none;background:#fff;color:var(--dark);font-weight:700;font-size:15px;cursor:pointer;font-family:inherit;}
.mp-calc-terms button.on{background:var(--blue);color:#fff;}
.mp-calc-out{background:var(--blue);color:#fff;border-radius:22px;padding:clamp(28px,3vw,40px);position:sticky;top:110px;}
.mp-calc-out .kicker{font-weight:700;font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--yellow);margin:0 0 8px;}
.mp-calc-out .total{font-weight:800;font-size:clamp(46px,5vw,64px);line-height:1;letter-spacing:-.03em;margin:0;}
.mp-calc-out .summary{color:rgba(255,255,255,.7);font-size:15px;margin:10px 0 26px;}
.mp-calc-bar{display:flex;height:12px;border-radius:6px;overflow:hidden;background:rgba(255,255,255,.12);margin-bottom:22px;}
.mp-calc-row{display:flex;align-items:center;gap:12px;padding:12px 0;border-top:1px solid rgba(255,255,255,.14);font-size:15px;}
.mp-calc-row .dot{width:10px;height:10px;border-radius:3px;}
.mp-calc-row .rl{flex:1;color:rgba(255,255,255,.82);}
.mp-calc-out .disc{font-size:12px;color:rgba(255,255,255,.5);margin:20px 0 0;}
/* contact */
.mp-contact{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,420px),1fr));gap:44px;align-items:stretch;}
.mp-contact-profile{position:relative;display:flex;flex-direction:column;}
.mp-contact-photo{width:100%;flex:1 1 auto;min-height:360px;object-fit:cover;object-position:center 22%;border-radius:22px;box-shadow:0 20px 48px rgba(28,58,78,.16);}
.mp-contact-badge{position:absolute;left:-18px;bottom:30px;background:#fff;border-radius:16px;padding:16px 22px;box-shadow:0 14px 34px rgba(28,58,78,.18);display:flex;flex-direction:column;gap:3px;max-width:82%;}
.mp-contact-badge .nm{font-weight:800;font-size:22px;color:var(--dark);line-height:1.15;letter-spacing:-.01em;}
.mp-contact-badge .ro{font-weight:600;font-size:13px;color:var(--muted);}
.mp-contact-right{display:flex;flex-direction:column;justify-content:center;gap:14px;}
.mp-contact-cards{display:flex;flex-direction:column;gap:14px;}
.mp-contact-ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:4px;}
/* company mode (team voice + real team): icon-topped text block, no headshot */
.mp-cointro{text-align:center;max-width:740px;margin:0 auto;}
.mp-cointro .ic{width:76px;height:76px;border-radius:50%;border:1.5px solid var(--blue);display:inline-flex;align-items:center;justify-content:center;margin:0 0 26px;}
.mp-cointro .ic svg{width:36px;height:36px;fill:none;stroke:var(--blue);stroke-width:1.6;stroke-linecap:round;stroke-linejoin:round;}
.mp-cointro .nm{font-weight:800;font-size:clamp(32px,4.2vw,46px);color:var(--dark);letter-spacing:-.025em;margin:0;line-height:1.08;}
.mp-cointro .sub{font-weight:600;font-size:16.5px;color:var(--muted);margin:16px 0 0;}
.mp-cointro .bio{font-size:16px;color:var(--muted);line-height:1.75;margin:24px auto 0;max-width:580px;text-align:left;text-wrap:pretty;}
.mp-cointro .bio p{margin:0 0 15px;}
.mp-cointro .bio p:last-child{margin-bottom:0;}
.mp-cointro .sig{font-weight:700;font-size:15px;color:var(--dark);margin:22px 0 0;}
.mp-cointro-cards{max-width:520px;margin:44px auto 0;display:flex;flex-direction:column;gap:14px;}
.mp-cointro-ctas{display:flex;gap:12px;flex-wrap:wrap;justify-content:center;margin-top:22px;}
/* company About: white panel lifting into the hero, review strip along the bottom.
   The hero (mp-hero-copad) gets extra bottom blue so the panel overlaps empty space
   below the image, not the image itself. */
.mp-hero-copad .mp-wrap{padding-bottom:96px;}
.mp-about-cosec{padding:36px 0 90px;background:linear-gradient(180deg, var(--lightblue) 0%, #fff 260px);}
/* Contact reuses the About panel, but has no hero above it — give the lightblue
   band room to read as a soft header, and let the cards column top-align. */
.mp-contact-sec{padding-top:70px;}
.mp-contact-sec .mp-about-cobody{align-items:start;}
.mp-contact-sec .mp-about-cobody .r{display:flex;flex-direction:column;justify-content:center;}
.mp-contact-sec .mp-about-cophoto{align-self:center;}
.mp-contact-lead{font-size:16.5px;color:var(--muted);line-height:1.6;margin:-6px 0 22px;text-wrap:pretty;}
/* Tinted sections fade in/out of white (top & bottom) so they blend into the page
   instead of hard-edging. Keyed off the inline --soft / --lightblue background var. */
.mp-sec[style*="--soft"]{background:linear-gradient(180deg,#fff,var(--soft) 90px,var(--soft) calc(100% - 90px),#fff)!important;}
.mp-sec[style*="--lightblue"]{background:linear-gradient(180deg,#fff,var(--lightblue) 90px,var(--lightblue) calc(100% - 90px),#fff)!important;}
.mp-about-copanel{background:#fff;border-radius:28px;box-shadow:0 26px 60px rgba(28,58,78,.14);overflow:hidden;}
.mp-about-cobody{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(40px,4vw,60px);align-items:center;padding:clamp(28px,3.4vw,40px);}
.mp-about-cobody.nopic{grid-template-columns:1fr;max-width:760px;margin:0 auto;padding:clamp(40px,5vw,56px);}
.mp-about-cophoto{width:100%;aspect-ratio:1/1;border-radius:20px;background-size:cover;background-position:center;box-shadow:0 18px 40px rgba(28,58,78,.18);}
.mp-about-cobody .r .mp-h2{color:var(--dark);margin:0 0 20px;}
.mp-about-cobody .r .body{font-size:16px;color:var(--muted);line-height:1.75;margin:0 0 15px;text-wrap:pretty;}
.mp-about-cobody .r .sig{font-weight:700;font-size:15px;color:var(--dark);margin:22px 0 0;}
.mp-about-costrip{background:var(--soft);border-top:1px solid var(--line);padding:26px clamp(32px,5vw,60px);display:flex;align-items:center;justify-content:space-between;gap:36px;flex-wrap:wrap;}
.mp-about-costrip .q{display:flex;gap:14px;align-items:flex-start;flex:1 1 420px;min-width:260px;}
.mp-about-costrip .qmark{font-family:Georgia,serif;font-size:46px;line-height:.7;color:var(--yellow);flex:0 0 auto;}
.mp-about-costrip .quote{font-weight:600;font-size:17px;line-height:1.45;color:var(--dark);margin:0;}
.mp-about-costrip .a{display:flex;align-items:center;gap:24px;flex:0 0 auto;}
.mp-about-costrip .who{font-weight:700;font-size:14px;color:var(--dark);}
.mp-about-costrip .role{color:var(--muted);font-weight:500;}
.mp-about-costrip .read{font-weight:700;font-size:14px;color:var(--blue);white-space:nowrap;}
.mp-about-costrip .read:hover{opacity:1;text-decoration:underline;}
@media(max-width:820px){.mp-about-cobody{grid-template-columns:1fr;gap:28px;}.mp-about-cophoto{max-width:380px;margin:0 auto;}.mp-about-costrip .a{width:100%;justify-content:space-between;}}
.mp-contact-card{display:flex;gap:18px;align-items:center;background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px 24px;}
.mp-contact-card:hover{opacity:1;border-color:var(--blue);}
.mp-contact-card .ic{width:48px;height:48px;border-radius:50%;border:1.5px solid var(--blue);color:var(--blue);display:flex;align-items:center;justify-content:center;flex:0 0 auto;font-weight:800;font-size:13px;}
.mp-contact-card .l{font-weight:700;font-size:11.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);margin:0 0 4px;display:block;}
.mp-contact-card .v{font-weight:700;font-size:18px;color:var(--dark);line-height:1.25;}
.mp-contact-map{border-radius:16px;overflow:hidden;border:1px solid var(--line);height:260px;background:var(--lightblue);}
.mp-contact-map iframe{width:100%;height:100%;border:0;display:block;}
.mp-form{background:#fff;border:1px solid var(--line);border-radius:22px;padding:clamp(24px,3vw,40px);display:flex;flex-direction:column;gap:16px;}
.mp-form h2{font-weight:800;font-size:26px;color:var(--dark);margin:0;letter-spacing:-.02em;}
.mp-form .grid2{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:14px;}
.mp-form label{display:flex;flex-direction:column;gap:6px;font-weight:700;font-size:13px;color:var(--dark);}
.mp-form input,.mp-form select,.mp-form textarea{padding:14px 16px;border-radius:10px;border:1.5px solid var(--line);font-size:15px;font-family:inherit;color:var(--ink);background:#fff;}
.mp-form .consent{display:flex;gap:12px;align-items:flex-start;font-size:12.5px;color:var(--muted);line-height:1.55;font-weight:400;}
.mp-form .consent input{width:16px;height:16px;flex:0 0 auto;margin-top:3px;accent-color:var(--buttonscolor);}

/* ===== restyled approved content patterns ===== */
/* centered text panel (value prop / second-opinion) */
.mp-panel{max-width:920px;margin:0 auto;background:var(--lightblue);border:1px solid var(--line);border-radius:24px;padding:clamp(36px,4vw,52px) clamp(28px,4vw,44px);text-align:center;}
.mp-panel h2{margin:0 0 18px;}
.mp-panel p{font-size:18px;color:#3a4650;margin:0 auto 16px;max-width:640px;line-height:1.7;text-wrap:pretty;}
.mp-panel .mp-btn{margin-top:14px;}
.mp-panel .pic{margin-top:26px;border-radius:16px;max-width:520px;width:100%;height:auto;display:block;margin-left:auto;margin-right:auto;}
/* question cards (Do I Qualify / Afford / Start) */
.mp-qcards{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr));gap:24px;margin-top:44px;}
.mp-qcard{display:flex;flex-direction:column;justify-content:space-between;gap:20px;background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:32px 28px;text-align:center;color:var(--ink);transition:transform .18s ease,box-shadow .2s ease;}
.mp-qcard:hover{opacity:1;transform:translateY(-5px);box-shadow:0 18px 40px rgba(28,58,78,.1);}
.mp-qcard h3{font-weight:800;font-size:21px;color:var(--dark);margin:0 0 12px;}
.mp-qcard p{font-size:15.5px;color:var(--muted);margin:0;line-height:1.6;text-wrap:pretty;}
.mp-qcard img{max-width:96px;height:auto;margin:0 auto 18px;display:block;}
.mp-qcard .mp-btn{width:100%;justify-content:center;}

/* What-we-do card icons (SP26 inline SVGs) */
.mp-card-ic{width:52px;height:52px;border-radius:50%;border:1.5px solid var(--blue);background:transparent;display:flex;align-items:center;justify-content:center;margin-bottom:2px;flex:0 0 auto;}
.mp-card-ic svg{width:24px;height:24px;fill:none;stroke:var(--blue);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round;}

.mp-hero-rating .read{font-weight:700;color:var(--blue);white-space:nowrap;}
.mp-hero-rating .read:hover{opacity:1;text-decoration:underline;}

.mp-qcard .mp-card-ic{margin:0 auto 16px;}

/* ===== "Already working with someone else?" — second-opinion two-column ===== */
.mp-secondop{display:grid;grid-template-columns:1.05fr .95fr;gap:60px;align-items:center;}
.mp-secondop-media{position:relative;}
.mp-secondop-media .pic{display:block;width:100%;aspect-ratio:4/5;object-fit:cover;object-position:center;border-radius:22px;box-shadow:0 26px 54px rgba(28,58,78,.14);}
.mp-secondop-badge{position:absolute;right:-14px;bottom:-14px;max-width:330px;background:var(--blue);color:#fff;border-radius:16px;padding:18px 22px;box-shadow:0 18px 40px rgba(28,58,78,.3);}
.mp-secondop-badge .k{font-weight:800;font-size:12px;letter-spacing:.1em;text-transform:uppercase;color:var(--yellow);display:block;margin-bottom:6px;}
.mp-secondop-badge p{margin:0;font-weight:700;font-size:16px;line-height:1.45;}
.mp-secondop-body .lead{font-size:18px;color:#3a4650;line-height:1.7;margin:18px 0 0;max-width:520px;text-wrap:pretty;}
.mp-secondop-list{margin:28px 0;border-top:1px solid var(--line);}
.mp-secondop-list .row{display:flex;gap:16px;align-items:flex-start;padding:16px 0;border-bottom:1px solid var(--line);}
.mp-secondop-list .n{flex:0 0 30px;height:30px;border-radius:50%;background:var(--lightblue);color:var(--blue);font-weight:800;font-size:14px;display:flex;align-items:center;justify-content:center;margin-top:1px;}
.mp-secondop-list h4{margin:0;font-weight:700;font-size:17px;color:var(--dark);}
.mp-secondop-list .row p{margin:2px 0 0;font-size:14.5px;color:var(--muted);}
.mp-secondop-cta{display:flex;align-items:center;gap:22px;flex-wrap:wrap;}
.mp-txtcta{font-weight:700;color:var(--dark);font-size:15px;white-space:nowrap;}
.mp-txtcta:hover{color:var(--blue);opacity:1;}
@media(max-width:900px){ .mp-secondop{grid-template-columns:1fr;gap:44px;} .mp-secondop-badge{right:12px;max-width:88%;} }