:root{--navy:#0b2a3b;--blue:#1f6f8b;--sky:#eaf5f8;--cream:#f8f7f2;--ink:#17242b;--muted:#5f6e76;--line:#d8e0e4;--gold:#c99a4a;--green:#1e7a53}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff}a{text-decoration:none;color:inherit}.wrap{width:min(1180px,calc(100% - 40px));margin:auto}
.topbar{background:var(--navy);color:#dce9ee;text-align:center;padding:8px;font-size:11px}header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}.head{height:80px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.logo{display:flex;align-items:center;gap:10px;color:var(--navy)}.logo-mark{width:38px;height:38px;border-radius:9px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}.logo b{display:block;font-size:18px}.logo small{font-size:9px;letter-spacing:.14em;text-transform:uppercase;color:#6c7b83}
.nav{display:flex;gap:22px;font-size:13px;font-weight:700;color:#314752}.actions{display:flex;gap:9px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:45px;padding:0 19px;border-radius:9px;font-size:13px;font-weight:800;border:1px solid var(--navy)}.btn.primary{background:var(--navy);color:#fff}.btn.secondary{background:#fff;color:var(--navy)}
.hero{padding:75px 0 62px;background:linear-gradient(135deg,#eef7f9,#fff 50%,#f8f7f2)}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:65px;align-items:center}.eyebrow{font-size:11px;text-transform:uppercase;letter-spacing:.16em;font-weight:800;color:var(--blue);margin-bottom:15px}
h1,h2,h3{font-family:Georgia,serif;color:var(--navy);font-weight:500}.hero h1{font-size:clamp(46px,5.4vw,72px);line-height:1.03;letter-spacing:-.035em;margin:0}.hero .lead{font-size:18px;line-height:1.7;color:#4f6069}.hero-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:0 18px 50px rgba(11,42,59,.1)}
.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:11px;margin-top:20px}.choice{padding:16px;border:1px solid var(--line);border-radius:11px}.choice b{display:block;color:var(--navy);font-size:14px}.choice span{font-size:11px;color:#68777f}
.section{padding:82px 0}.soft{background:var(--cream)}.sky{background:var(--sky)}.section-head{max-width:760px;margin-bottom:35px}.section h2{font-size:clamp(34px,4vw,50px);line-height:1.1;margin:0 0 12px}.section-head p{font-size:16px;line-height:1.7;color:var(--muted)}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.info-card{border:1px solid var(--line);border-radius:15px;padding:24px;background:#fff}.info-card h3{font-size:23px;margin:0 0 9px}.info-card p{font-size:14px;line-height:1.6;color:var(--muted)}.arrow{font-size:12px;font-weight:800;color:var(--blue)}
.calc{display:grid;grid-template-columns:1fr .9fr;gap:30px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px}.field{margin-bottom:15px}.field label{display:block;font-size:12px;font-weight:700;margin-bottom:6px}.field input,.field select,.portal input{width:100%;padding:13px;border:1px solid #cdd8dd;border-radius:9px}.result{background:var(--navy);color:#fff;border-radius:15px;padding:27px;display:flex;flex-direction:column;justify-content:center}.result h3{color:#fff}.big{font-size:40px;font-weight:800;margin:10px 0}.result p{font-size:12px;line-height:1.6;color:#c8dae2}
.page-hero{padding:65px 0;background:var(--sky)}.page-hero h1{font-size:54px;margin:0}.page-hero p{max-width:780px;font-size:18px;line-height:1.7;color:#53666f}.article,.legal{max-width:860px;margin:auto}.article h2,.legal h2{font-size:32px;margin-top:38px}.article p,.article li,.legal p,.legal li{font-size:16px;line-height:1.8;color:#4f5f67}.note{background:#f3f8fa;border-left:4px solid var(--blue);padding:16px 18px;margin-top:25px}
.subscribe-band{background:var(--navy);color:#fff;padding:45px 0}.subscribe-grid{display:grid;grid-template-columns:1fr 1fr;gap:45px;align-items:center}.subscribe-band h2{color:#fff;font-size:36px}.subscribe-band p{color:#c7d9e1}.sub-form{display:flex;gap:8px}.sub-form input{flex:1;padding:14px;border:0;border-radius:9px}.sub-form button{border:0;border-radius:9px;background:var(--gold);font-weight:800;padding:0 20px}
.portal{max-width:650px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px}.portal label{display:block;font-size:12px;font-weight:700;margin:10px 0 6px}.disclaimer{font-size:11px;line-height:1.6;color:#728089;background:#f7f9fa;border:1px solid #e1e8eb;border-radius:9px;padding:12px;margin-top:16px}
footer{background:#071e2a;color:#d4e0e5;padding:48px 0 24px}.foot{display:grid;grid-template-columns:1.7fr repeat(4,1fr);gap:30px}.foot h4{font-size:11px;text-transform:uppercase;color:#fff}.foot a,.foot p{display:block;font-size:12px;line-height:1.9;color:#b4c7d0}.footer-note{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;font-size:10px;line-height:1.7;color:#8eabb7}
@media(max-width:900px){.nav,.actions{display:none}.hero-grid,.calc,.subscribe-grid{grid-template-columns:1fr}.card-grid{grid-template-columns:1fr 1fr}.foot{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:580px){.wrap{width:min(100% - 28px,1180px)}.hero h1,.page-hero h1{font-size:43px}.choice-grid,.card-grid{grid-template-columns:1fr}.sub-form{flex-direction:column}.sub-form button{min-height:45px}.foot{grid-template-columns:1fr 1fr}}

/* v1.1 brand logo integration */
.brand-logo img{display:block;width:270px;max-width:100%;height:auto}
.footer-brand-logo img{display:block;width:255px;max-width:100%;height:auto}
.footer-brand-logo{display:inline-block;margin-bottom:10px}
@media(max-width:580px){
  .brand-logo img{width:220px}
  .footer-brand-logo img{width:225px}
}

/* ===== v2.0 Marketplace Foundation ===== */
.market-hero{padding:68px 0;background:linear-gradient(135deg,#eef8fa 0%,#fff 55%,#f8f7f2 100%)}.market-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}.market-hero h1{font-size:clamp(44px,5vw,68px);line-height:1.02;letter-spacing:-.035em;margin:0}.market-hero .lead{font-size:18px;line-height:1.7;color:#50626b;max-width:620px}.trust-row{display:flex;gap:18px;flex-wrap:wrap;margin-top:24px;font-size:12px;font-weight:700;color:#3c5966}.market-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:0 20px 60px rgba(11,42,59,.11)}.market-card h2{font-size:30px;margin:5px 0 18px}.step-label{font-size:10px;letter-spacing:.16em;color:var(--blue);font-weight:900}.goal-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}.goal{border:1px solid var(--line);border-radius:13px;padding:14px;display:grid;grid-template-columns:36px 1fr;column-gap:8px;align-items:center;transition:.15s}.goal:hover,.goal.active{border-color:#7eb9c9;background:#f3fafc;transform:translateY(-1px)}.goal-icon{grid-row:1/3;width:34px;height:34px;border-radius:10px;background:var(--sky);display:grid;place-items:center;color:var(--navy);font-weight:900;font-size:18px}.goal b{font-size:13px;color:var(--navy)}.goal small{font-size:10px;color:#718088}.wide{width:100%;margin-top:14px}.proof-strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}.proof-grid{display:grid;grid-template-columns:repeat(3,1fr);padding:22px 0}.proof-grid>div{padding:0 28px;border-right:1px solid var(--line)}.proof-grid>div:first-child{padding-left:0}.proof-grid>div:last-child{border:0}.proof-grid b,.proof-grid span{display:block}.proof-grid b{font-size:13px;color:var(--navy)}.proof-grid span{font-size:11px;color:var(--muted);margin-top:4px}.center{text-align:center;margin-left:auto;margin-right:auto}.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.how-card{padding:28px;border:1px solid var(--line);border-radius:16px;background:#fff}.how-card>span{width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:900}.how-card h3{font-size:23px;margin-bottom:8px}.how-card p{font-size:14px;line-height:1.6;color:var(--muted)}.card-icon{width:44px;height:44px;border-radius:12px;background:var(--sky);display:grid;place-items:center;color:var(--navy);font-size:22px;font-weight:900;margin-bottom:16px}.resource-links{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}.resource-links a{background:#fff;border:1px solid #d5e5ea;border-radius:12px;padding:18px;font-weight:800;color:var(--navy);display:flex;justify-content:space-between}.resource-links b{color:var(--blue)}
.funnel-body{background:#f7fafb;min-height:100vh}.funnel-head{position:static}.funnel-head .wrap{height:76px;display:flex;align-items:center;justify-content:space-between}.funnel-exit{font-size:12px;font-weight:800;color:#61717a}.funnel-shell{padding-bottom:70px}.funnel-progress{height:5px;background:#dfe8eb}.funnel-progress i{display:block;height:100%;width:16.66%;background:var(--blue);transition:width .25s}.funnel-wrap{width:min(680px,calc(100% - 32px));margin:46px auto;background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px;box-shadow:0 18px 55px rgba(11,42,59,.07)}.funnel-kicker{font-size:10px;letter-spacing:.16em;color:var(--blue);font-weight:900;margin-bottom:10px}.fstep{display:none}.fstep.active{display:block}.fstep h1{font-size:38px;line-height:1.08;margin:0 0 10px}.fstep>p{color:var(--muted);line-height:1.6;margin-bottom:26px}.big-label{display:block;font-size:12px;font-weight:800;margin-bottom:7px}.big-input,.fstep input[type=email],.fstep input[type=tel],.fstep input[type=text],.fstep input:not([type]),.fstep select{width:100%;min-height:52px;border:1px solid #cbd7dc;border-radius:10px;padding:0 14px;font-size:16px;background:#fff}.fstep>.btn{margin-top:14px;width:100%}.option-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.option-grid label input{position:absolute;opacity:0;pointer-events:none}.option-grid label span{display:block;border:1px solid #cad7dc;border-radius:11px;padding:16px;font-size:14px;font-weight:800;color:var(--navy);cursor:pointer;min-height:54px}.option-grid label input:checked+span{border:2px solid var(--blue);background:#eef8fa;padding:15px}.option-grid small{font-size:10px;color:var(--muted);font-weight:600}.fnav{display:flex;justify-content:space-between;gap:10px;margin-top:24px}.fnav .btn{min-width:160px}.back{border:0;background:transparent;font-weight:800;color:#62737c;cursor:pointer}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:12px}.consent{display:flex;gap:10px;align-items:flex-start;margin-top:18px}.consent input{margin-top:3px}.consent span{font-size:10px;line-height:1.55;color:#66777f}.fstep .field input{width:100%;min-height:50px;border:1px solid #cbd7dc;border-radius:9px;padding:0 12px;font-size:16px}
@media(max-width:900px){.market-grid{grid-template-columns:1fr;gap:34px}.proof-grid{grid-template-columns:1fr}.proof-grid>div{padding:13px 0;border-right:0;border-bottom:1px solid var(--line)}.how-grid,.resource-links{grid-template-columns:1fr}.market-hero{padding:45px 0}.market-card{padding:22px}}
@media(max-width:580px){.goal-grid,.option-grid,.two-col{grid-template-columns:1fr}.market-hero h1{font-size:42px}.market-card h2{font-size:27px}.funnel-wrap{margin:24px auto;padding:24px 18px}.fstep h1{font-size:31px}.fnav{align-items:center}.fnav .btn{min-width:0;flex:1}.funnel-head .brand-logo img{width:205px}.trust-row{gap:10px}.resource-links{grid-template-columns:1fr}}


/* US Mortgage Finder v2.1 Marketplace Polish */
:root{--market-blue:#0f6f8a;--market-blue-dark:#0b5369;--market-shadow:0 22px 70px rgba(11,42,59,.10)}
body{-webkit-font-smoothing:antialiased}
header{backdrop-filter:saturate(180%) blur(12px);-webkit-backdrop-filter:saturate(180%) blur(12px);background:rgba(255,255,255,.96)}
.btn{transition:transform .16s ease,box-shadow .16s ease}
.btn:hover{transform:translateY(-1px);box-shadow:0 8px 18px rgba(11,42,59,.10)}
.market-hero{position:relative;overflow:hidden;background:radial-gradient(circle at 8% 15%,rgba(31,111,139,.10),transparent 26%),radial-gradient(circle at 88% 12%,rgba(201,154,74,.10),transparent 24%),linear-gradient(180deg,#fbfefe,#f6fbfc);padding:74px 0 62px}
.market-hero h1{max-width:700px;font-size:clamp(48px,5vw,72px);letter-spacing:-.04em}
.market-card{border-radius:24px;box-shadow:var(--market-shadow);border:1px solid #d9e6ea;padding:30px}
.step-label{display:inline-flex;align-items:center;gap:7px;padding:7px 10px;border-radius:999px;background:#eaf5f8;color:var(--market-blue-dark);font-size:10px;font-weight:900;letter-spacing:.13em}
.step-label:before{content:"";width:7px;height:7px;border-radius:50%;background:var(--blue)}
.goal{min-height:92px;border-radius:15px;transition:.18s ease}
.goal:hover{transform:translateY(-2px);border-color:#8bb9c8;box-shadow:0 10px 24px rgba(11,42,59,.07)}
.goal-icon,.card-icon{width:38px;height:38px;display:grid;place-items:center;border-radius:11px;background:#e9f4f7;color:var(--navy);font-size:20px;margin-bottom:8px}
.info-card,.how-card{border-radius:18px;box-shadow:0 8px 26px rgba(11,42,59,.04);transition:.18s}
.info-card:hover,.how-card:hover{transform:translateY(-2px);box-shadow:0 16px 34px rgba(11,42,59,.08)}
.market-band{padding:62px 0;background:var(--navy);color:#fff}
.market-band-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:center}
.market-band h2{color:#fff;margin:0 0 10px;font-size:clamp(32px,4vw,48px)}
.market-band p{color:#d8e6eb;line-height:1.65}
.market-band-actions{display:flex;gap:10px;justify-content:flex-end;flex-wrap:wrap}
.market-band .btn.primary{background:#fff;color:var(--navy);border-color:#fff}
.market-band .btn.secondary{background:transparent;color:#fff;border-color:#7893a0}
.funnel-body{background:radial-gradient(circle at 15% 10%,rgba(31,111,139,.08),transparent 24%),linear-gradient(180deg,#f8fcfd,#fff)}
.funnel-head{background:rgba(255,255,255,.95);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px)}
.funnel-wrap{border-radius:22px;box-shadow:var(--market-shadow);border:1px solid #dce7ea}
.funnel-kicker{display:inline-flex;padding:7px 10px;border-radius:999px;background:#eaf5f8;color:var(--market-blue-dark)}
.big-input,.fstep .field input,.fstep .field select{transition:border .15s,box-shadow .15s;background:#fff}
.big-input:focus,.fstep .field input:focus,.fstep .field select:focus{outline:none;border-color:#6fa9ba;box-shadow:0 0 0 4px rgba(31,111,139,.10)}
.option-grid label span{transition:.16s ease;background:#fff}
.option-grid label span:hover{border-color:#8bb9c8;background:#fbfefe;transform:translateY(-1px)}
.funnel-progress i{background:linear-gradient(90deg,var(--blue),#3a96ad)}
.funnel-note{margin:16px 0 0;padding:13px 14px;border-radius:12px;background:#f2f8fa;color:#536a74;font-size:11px;line-height:1.55}
.program-badges{display:flex;gap:8px;flex-wrap:wrap;margin:18px 0}
.program-badges span{border:1px solid #cfe0e5;background:#fff;padding:8px 10px;border-radius:999px;font-size:11px;font-weight:800;color:var(--navy)}
@media(max-width:900px){.market-band-grid{grid-template-columns:1fr}.market-band-actions{justify-content:flex-start}}
@media(max-width:760px){.market-hero{padding:42px 0 40px}.market-hero h1{font-size:43px}.market-card{padding:21px;border-radius:19px}}
@media(max-width:580px){.wrap{width:min(100% - 28px,1180px)}.market-hero h1{font-size:40px}.market-band{padding:48px 0}.funnel-wrap{border-radius:18px}}


/* ==========================================
   US Mortgage Finder v2.2 Conversion Polish
   ========================================== */
.market-hero{padding-top:62px}
.market-grid{gap:48px}
.market-card{padding:26px}
.market-card h2{font-size:28px;margin-bottom:6px}
.market-card .muted{font-size:13px;line-height:1.45}
.goal-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
.goal{min-height:82px;padding:12px}
.goal small{display:block;margin-top:3px}
.trust-row{gap:8px}
.trust-row span{font-size:11px;padding:8px 10px}
.section-head{max-width:760px}
.card-grid{gap:16px}
.info-card{padding:22px}
.info-card h3{margin-top:4px}
.info-card p{font-size:14px;line-height:1.55}
.how-grid{gap:14px}
.how-card{padding:22px}
.how-num{width:34px;height:34px}
.market-band{padding:54px 0}
.market-band-actions .btn{min-width:138px;text-align:center}

/* Funnel conversion improvements */
.funnel-shell{padding:32px 14px 70px}
.funnel-wrap{max-width:720px;padding:30px}
.funnel-kicker{margin-bottom:14px}
.fstep h1{font-size:clamp(30px,5vw,44px);line-height:1.05;margin-bottom:10px}
.fstep>p{font-size:15px;line-height:1.55;max-width:600px}
.option-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;margin-top:18px}
.option-grid label span{min-height:62px;display:flex;align-items:center;justify-content:center;text-align:center;border-radius:13px;padding:14px}
.option-grid label input:checked + span{border-color:var(--blue);box-shadow:0 0 0 3px rgba(31,111,139,.10);background:#f0f9fb}
.big-label,.field label{font-size:12px;font-weight:800;color:#415965}
.big-input,.fstep .field input,.fstep .field select{min-height:54px;border-radius:12px;font-size:16px}
.two-col{gap:12px}
.fnav{margin-top:22px}
.fnav .btn.primary{min-width:150px}
.back{font-weight:800}
.consent{font-size:11px;line-height:1.48;background:#f8fbfc;border:1px solid #e1ebee;border-radius:12px;padding:12px}
.disclaimer{margin-top:12px;font-size:10px;line-height:1.5;color:#70828a}
.funnel-note{font-size:10.5px}
.funnel-progress{height:5px;position:sticky;top:0;z-index:15}

/* lightweight confidence elements */
.micro-proof{display:flex;gap:10px;flex-wrap:wrap;margin:16px 0 2px}
.micro-proof span{font-size:10px;font-weight:800;color:#58717a;background:#f4f9fa;border:1px solid #dce8eb;padding:7px 9px;border-radius:999px}
.secure-line{display:flex;align-items:center;gap:7px;margin-top:12px;color:#60757d;font-size:10px}
.secure-line:before{content:"✓";display:grid;place-items:center;width:18px;height:18px;border-radius:50%;background:#e8f5f7;color:var(--market-blue-dark);font-weight:900}

/* reduce dead space and keep CTA visible */
.fstep .btn.primary{box-shadow:0 8px 20px rgba(15,111,138,.12)}
.fstep.active{animation:fadeStep .18s ease}
@keyframes fadeStep{from{opacity:.25;transform:translateY(4px)}to{opacity:1;transform:none}}

@media(max-width:760px){
  .market-grid{gap:28px}
  .goal-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
  .goal{min-height:76px}
  .market-card{padding:20px}
  .funnel-shell{padding:18px 10px 44px}
  .funnel-wrap{padding:22px 18px}
  .option-grid{grid-template-columns:1fr}
  .option-grid label span{min-height:56px}
  .two-col{grid-template-columns:1fr}
  .fnav{position:sticky;bottom:0;background:rgba(255,255,255,.96);padding:12px 0 4px;margin-left:-2px;margin-right:-2px;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
  .fnav .btn.primary{flex:1}
  .market-band-actions{display:grid;grid-template-columns:1fr 1fr}
  .market-band-actions .btn:first-child{grid-column:1/-1}
}
@media(max-width:520px){
  .market-hero h1{font-size:38px}
  .goal-grid{grid-template-columns:1fr 1fr}
  .goal b{font-size:13px}
  .goal small{font-size:10px}
  .trust-row span:nth-child(n+3){display:none}
}

.ymyl-trust-note{max-width:1120px;margin:36px auto;padding:24px;border:1px solid #d9e1ea;border-radius:14px;background:#f8fafc;color:#26384d}
.ymyl-trust-note h2{margin-top:0;color:#082B5C}
.ymyl-trust-note p{line-height:1.65}
.ymyl-trust-note a{font-weight:600}


/* USMF V4.0 — Conversion Experience Redesign */
:root{--v40-navy:#082b5c;--v40-deep:#061f42;--v40-red:#d71920;--v40-ink:#101d32;--v40-soft:#f4f7fb}
.v40-home{margin:0;color:var(--v40-ink);background:#fff}
.v40-header{min-height:92px;display:flex;align-items:center;gap:30px;padding:12px max(3vw,28px);background:#fff;position:relative;z-index:10;box-shadow:0 1px 10px #102a4d14}
.v40-brand{display:block;flex:0 0 330px}.v40-brand img{width:100%;height:auto;display:block}
.v40-header nav{display:flex;align-items:center;justify-content:center;gap:24px;flex:1}.v40-header nav a{color:#102447;text-decoration:none;font-weight:700;font-size:14px;white-space:nowrap}
.v40-header nav a:hover{color:var(--v40-red)}.v40-nav-cta{background:var(--v40-red);color:#fff!important;text-decoration:none;font-weight:800;padding:15px 23px;border-radius:7px;white-space:nowrap}
.v40-hero{min-height:675px;position:relative;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(390px,.75fr);gap:45px;align-items:center;padding:60px max(5vw,55px);overflow:hidden;background-image:linear-gradient(90deg,#fff 0%,#fff 29%,rgba(255,255,255,.91) 40%,rgba(255,255,255,.18) 62%,rgba(255,255,255,0) 100%),url('/assets/usmf-v412-hero-clean.jpg?v=4.1.2');background-size:cover;background-position:center}
.v40-hero:after{content:"";position:absolute;inset:auto 0 0;height:120px;background:linear-gradient(transparent,rgba(255,255,255,.72));pointer-events:none}
.v40-hero-copy,.v40-match-card{position:relative;z-index:2}.v40-hero-copy{max-width:720px}
.v40-eyebrow,.v40-section-kicker{font-size:13px;letter-spacing:.11em;font-weight:900;color:var(--v40-red);margin:0 0 14px}
.v40-hero h1{font-size:clamp(48px,5vw,76px);line-height:1.01;letter-spacing:-.045em;color:var(--v40-navy);margin:0}.v40-hero h1 span{color:var(--v40-navy)}
.v40-redline{width:125px;height:5px;background:var(--v40-red);margin:27px 0}.v40-lede{font-size:24px;line-height:1.45;max-width:590px;margin:0 0 34px}
.v40-benefits{display:grid;grid-template-columns:repeat(3,1fr);max-width:680px}.v40-benefits>div{padding:0 22px;text-align:center;border-right:1px solid #aab5c4}.v40-benefits>div:first-child{padding-left:0}.v40-benefits>div:last-child{border:0}
.v40-icon{display:grid;place-items:center;margin:0 auto 13px;width:66px;height:66px;border-radius:50%;background:var(--v40-navy);color:#fff;font-size:30px}.v40-benefits strong{display:block;color:var(--v40-navy);font-size:17px}.v40-benefits span{display:block;font-size:14px;line-height:1.45;margin-top:6px}
.v40-match-card{background:linear-gradient(145deg,#0a3769,#061f42);color:#fff;border-radius:20px;padding:31px;box-shadow:0 18px 45px #001b3b55;max-width:465px;justify-self:end;width:100%}.v40-card-kicker{font-size:12px;letter-spacing:.13em;font-weight:900;color:#b9d1ee;margin:0 0 5px}.v40-match-card h2{font-size:32px;margin:0 0 5px;color:#fff}.v40-match-card>p:not(.v40-card-kicker):not(.v40-card-note){margin:0 0 20px;color:#dce7f5}
.v40-goals{display:grid;gap:10px}.v40-goals a{display:flex;align-items:center;gap:13px;background:#fff;color:#102447;text-decoration:none;border-radius:9px;padding:14px 15px;box-shadow:0 1px 2px #0002}.v40-goals a:hover{transform:translateY(-1px);box-shadow:0 5px 15px #0003}.v40-goals b{display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:#eef3f9;color:var(--v40-navy);font-size:18px}.v40-goals span{font-weight:800;flex:1}.v40-goals small{display:block;font-weight:500;color:#667386;margin-top:2px}.v40-goals i{font-size:29px;color:var(--v40-red);font-style:normal}.v40-card-note{text-align:center;font-size:12px;color:#cddbec;margin:17px 0 0}
.v40-trust{position:relative;z-index:3;display:grid;grid-template-columns:repeat(4,1fr);padding:24px max(5vw,55px);border-top:1px solid #e2e7ee;border-bottom:1px solid #e2e7ee;background:#fff;box-shadow:0 5px 20px #001b3b0a}.v40-trust>div{display:flex;gap:14px;padding:5px 24px;border-right:1px solid #d7dee7}.v40-trust>div:last-child{border:0}.v40-trust b{font-size:30px;color:var(--v40-navy)}.v40-trust strong{display:block;color:var(--v40-navy);font-size:14px;text-transform:uppercase}.v40-trust span{font-size:13px;line-height:1.4}
.v40-options{padding:75px max(6vw,70px);text-align:center;background:#f7f9fc}.v40-options h2,.v40-how h2{font-size:42px;color:var(--v40-navy);margin:0 0 12px}.v40-section-lede{max-width:760px;margin:0 auto 35px;font-size:18px;color:#566579}
.v40-option-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;max-width:1200px;margin:auto}.v40-option-grid a{display:flex;align-items:center;gap:16px;text-align:left;background:#fff;border:1px solid #e1e6ed;border-radius:14px;padding:24px;text-decoration:none;color:#14243d;box-shadow:0 7px 20px #06264d0a}.v40-option-grid a>b{font-size:27px;color:var(--v40-red);width:42px}.v40-option-grid span{flex:1}.v40-option-grid strong{display:block;color:var(--v40-navy);font-size:18px;margin-bottom:4px}.v40-option-grid i{font-style:normal;font-size:24px;color:var(--v40-navy)}
.v40-how{padding:75px max(7vw,80px);display:grid;grid-template-columns:.85fr 1.15fr;gap:80px;align-items:center}.v40-how>div>p:last-child{font-size:18px;line-height:1.6;color:#536276}.v40-how ol{list-style:none;padding:0;margin:0;display:grid;gap:15px}.v40-how li{display:flex;gap:18px;padding:20px;border:1px solid #e0e6ed;border-radius:13px}.v40-how li>b{flex:0 0 42px;height:42px;display:grid;place-items:center;border-radius:50%;background:var(--v40-navy);color:#fff}.v40-how li strong{display:block;color:var(--v40-navy);font-size:17px;margin-bottom:4px}
@media(max-width:1100px){.v40-header nav{display:none}.v40-brand{flex-basis:300px}.v40-hero{grid-template-columns:1fr 420px;padding-left:35px;padding-right:35px}.v40-hero h1{font-size:55px}.v40-trust{grid-template-columns:repeat(2,1fr);gap:18px}.v40-trust>div{border:0}.v40-option-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:820px){.v40-header{min-height:72px;padding:10px 18px}.v40-brand{flex-basis:230px}.v40-nav-cta{padding:12px 15px;font-size:13px}.v40-hero{display:block;padding:45px 20px;background-image:linear-gradient(rgba(255,255,255,.96),rgba(255,255,255,.82)),url('/assets/usmf-v412-hero-clean.jpg?v=4.1.2');background-position:center}.v40-hero h1{font-size:46px}.v40-lede{font-size:19px}.v40-benefits{margin-bottom:35px}.v40-benefits span{display:none}.v40-match-card{justify-self:auto;max-width:none;box-sizing:border-box}.v40-trust{grid-template-columns:1fr;padding:22px}.v40-option-grid{grid-template-columns:1fr}.v40-options,.v40-how{padding:55px 20px}.v40-how{grid-template-columns:1fr;gap:25px}.v40-options h2,.v40-how h2{font-size:34px}}
@media(max-width:520px){.v40-brand{flex-basis:190px}.v40-nav-cta{font-size:0;padding:12px}.v40-nav-cta:after{content:"Start";font-size:13px}.v40-hero h1{font-size:39px}.v40-benefits>div{padding:0 9px}.v40-icon{width:50px;height:50px;font-size:22px}.v40-benefits strong{font-size:13px}.v40-match-card{padding:23px 17px}.v40-match-card h2{font-size:27px}}


/* USMF V4.1 — Visual Polish */
.v40-header{min-height:84px;padding-top:9px;padding-bottom:9px}
.v40-brand{flex-basis:305px}
.v40-header nav{gap:20px}
.v40-header nav a{font-size:13.5px}
.v40-hero{min-height:640px;padding-top:52px;padding-bottom:52px;background-position:58% center}
.v40-hero-copy{max-width:690px}
.v40-hero h1{max-width:680px;text-wrap:balance}
.v40-lede{max-width:560px}
.v40-match-card{border:1px solid rgba(255,255,255,.13);box-shadow:0 22px 55px rgba(0,27,59,.38)}
.v40-goals a{min-height:48px;box-sizing:border-box;transition:transform .16s ease,box-shadow .16s ease,border-color .16s ease;border:1px solid transparent}
.v40-goals a:hover{border-color:#d8e1ec}
.v40-trust{min-height:94px;box-sizing:border-box}
.v40-options{padding-top:68px}
.v40-option-grid a{transition:transform .16s ease,box-shadow .16s ease,border-color .16s ease}
.v40-option-grid a:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(6,38,77,.10);border-color:#cbd7e5}
.v40-how li{background:#fff;box-shadow:0 4px 14px rgba(6,38,77,.035)}
.v40-home .ymyl-trust-note{margin-top:0;margin-bottom:55px}
@media(min-width:1400px){
 .v40-header{padding-left:max(3.5vw,50px);padding-right:max(3.5vw,50px)}
 .v40-hero{grid-template-columns:minmax(0,1.28fr) minmax(420px,.72fr);padding-left:max(5.5vw,75px);padding-right:max(6vw,85px)}
 .v40-match-card{max-width:450px}
}
@media(max-width:1100px){
 .v40-hero{background-position:63% center}
}
@media(max-width:820px){
 .v40-header{position:sticky;top:0}
 .v40-hero{min-height:auto;padding-top:38px}
 .v40-hero-copy{text-align:left}
 .v40-redline{margin-top:20px;margin-bottom:20px}
 .v40-benefits{max-width:100%}
 .v40-match-card{margin-top:12px}
 .v40-trust{min-height:0}
}
@media(max-width:520px){
 .v40-header{gap:10px}
 .v40-brand{flex-basis:min(190px,62vw)}
 .v40-hero{padding-left:17px;padding-right:17px}
 .v40-hero h1{font-size:37px;line-height:1.04}
 .v40-eyebrow{font-size:11px}
 .v40-lede{font-size:18px}
 .v40-benefits{gap:0}
 .v40-options h2,.v40-how h2{font-size:31px}
 .v40-option-grid a{padding:20px}
}

/* USMF V4.2.2 — Standard Funnel Blue Frame */
.funnel-wrap{
  border:2px solid #2f6fa3;
  box-shadow:0 0 0 1px rgba(47,111,163,.08),0 18px 55px rgba(11,42,59,.10);
}
@media(max-width:580px){.funnel-wrap{border-width:2px}}

/* USMF V4.2.3 — Full Navy Funnel Frame
   Standardized across every mortgage funnel page. */
.funnel-body{background:#f4f7f9}
.funnel-wrap{
  background:#0d3768;
  border:2px solid #2f6fa3;
  color:#fff;
  box-shadow:0 18px 55px rgba(7,35,67,.18);
}
.funnel-wrap .funnel-kicker{color:#bcd8f7}
.funnel-wrap .micro-proof{color:#dce9f6}
.funnel-wrap .fstep h1,
.funnel-wrap .fstep h2{color:#fff}
.funnel-wrap .fstep>p{color:#dce7f3}
.funnel-wrap .big-label,
.funnel-wrap .field label{color:#edf5fd}
.funnel-wrap .option-grid label span{
  background:#fff;
  border-color:#d6e2ec;
  color:#102c54;
  box-shadow:0 1px 0 rgba(255,255,255,.35);
}
.funnel-wrap .option-grid label input:checked+span{
  background:#f4f8fc;
  border-color:#67a9df;
  color:#0b2f5d;
}
.funnel-wrap .option-grid small{color:#6b7b90}
.funnel-wrap .big-input,
.funnel-wrap .fstep input[type=email],
.funnel-wrap .fstep input[type=tel],
.funnel-wrap .fstep input[type=text],
.funnel-wrap .fstep input:not([type]),
.funnel-wrap .fstep select,
.funnel-wrap .field input{
  background:#fff;
  color:#102c54;
  border-color:#d2dee8;
}
.funnel-wrap .back{color:#dce9f6}
.funnel-wrap .consent span{color:#e5edf6}
.funnel-wrap .disclaimer{color:#d4e0ec}
.funnel-wrap .btn.primary{box-shadow:0 8px 20px rgba(0,0,0,.12)}
@media(max-width:580px){
  .funnel-wrap{
    width:calc(100% - 20px);
    margin:14px auto 28px;
    padding:24px 16px;
    border-radius:20px;
  }
}


/* USMF V4.2.4 — Funnel Brand Accent Standardization
   Color-only pass. Layout, copy, fields and funnel behavior unchanged. */
.funnel-wrap .btn.primary,
.funnel-wrap button.btn.primary,
.funnel-wrap input.btn.primary{
  background:var(--v40-red,#d71920);
  border-color:var(--v40-red,#d71920);
  color:#fff;
  box-shadow:0 8px 20px rgba(215,25,32,.22);
}
.funnel-wrap .btn.primary:hover,
.funnel-wrap button.btn.primary:hover{
  background:#bd151b;
  border-color:#bd151b;
}
.funnel-wrap .option-grid label input:checked+span{
  background:#fff;
  border-color:var(--v40-red,#d71920);
  color:#0b2f5d;
  box-shadow:0 0 0 2px rgba(215,25,32,.10);
}
.funnel-wrap .funnel-kicker{color:#c8ddf5}
.funnel-progress i{background:var(--v40-red,#d71920)}
.funnel-wrap input:focus,
.funnel-wrap select:focus{
  outline:none;
  border-color:var(--v40-red,#d71920);
  box-shadow:0 0 0 3px rgba(215,25,32,.10);
}


/* USMF V4.3.0 — Production Funnel Standardization */
:root{--usmf-navy:#0d3768;--usmf-navy-deep:#082c55;--usmf-blue:#2f6fa3;--usmf-red:#d71920;--usmf-page:#f4f7f9}
.funnel-body{background:var(--usmf-page);display:flex;min-height:100vh;flex-direction:column}
.funnel-head{background:#fff;border-bottom:1px solid #dce5ea}
.funnel-head .wrap{width:min(1400px,calc(100% - 40px));height:88px}
.funnel-head .brand-logo img{width:250px;max-height:64px}
.funnel-exit{color:#516774;font-size:13px;font-weight:900}
.funnel-exit:hover{color:var(--usmf-navy)}
.funnel-shell{flex:1;width:100%;padding:34px 0 58px}
.funnel-progress{width:calc(100% - 32px);margin:0 auto 34px;height:5px;background:#dfe7eb;position:static;max-width:1660px}
.funnel-progress i{background:var(--usmf-red)}
.funnel-wrap{width:min(810px,calc(100% - 32px));margin:0 auto;padding:36px;background:var(--usmf-navy);border:2px solid var(--usmf-blue);border-radius:22px;box-shadow:0 20px 55px rgba(8,44,85,.15)}
.funnel-wrap .funnel-kicker{display:inline-flex;background:#f4f8fb;color:var(--usmf-navy-deep)!important;border:1px solid #dce8f0;padding:8px 13px;border-radius:999px;font-size:11px;letter-spacing:.16em;font-weight:900;margin:0 0 18px}
.funnel-wrap .micro-proof{margin-top:0}
.funnel-wrap .btn.primary,.funnel-wrap button.btn.primary,.funnel-wrap input.btn.primary{background:var(--usmf-red);border-color:var(--usmf-red);color:#fff}
.funnel-wrap .btn.primary:hover,.funnel-wrap button.btn.primary:hover{background:#bd151b;border-color:#bd151b}
.funnel-wrap .option-grid label input:checked+span{background:#fff;border-color:var(--usmf-red);color:var(--usmf-navy-deep);box-shadow:0 0 0 2px rgba(215,25,32,.10)}
.funnel-wrap input:focus,.funnel-wrap select:focus{outline:none;border-color:var(--usmf-red);box-shadow:0 0 0 3px rgba(215,25,32,.10)}
.funnel-footer{background:var(--usmf-navy-deep);border-top:3px solid var(--usmf-red);color:#fff;margin-top:auto}
.funnel-footer .wrap{width:min(1400px,calc(100% - 40px));padding:22px 0}
.funnel-footer-row{display:grid;grid-template-columns:1.25fr repeat(3,1fr);gap:24px;align-items:center}
.funnel-footer-brand img{width:190px;max-width:100%;display:block}
.funnel-footer-item strong{display:block;font-size:13px;margin-bottom:3px}.funnel-footer-item span{font-size:11px;line-height:1.45;color:#d6e4f0}
.funnel-footer-legal{border-top:1px solid rgba(255,255,255,.13);margin-top:17px;padding-top:14px;font-size:10px;line-height:1.5;color:#c8d7e4}
.funnel-footer-legal a{color:#fff;text-decoration:underline;text-underline-offset:2px}
@media(max-width:720px){.funnel-head .wrap{height:72px;width:calc(100% - 28px)}.funnel-head .brand-logo img{width:205px}.funnel-shell{padding:20px 0 34px}.funnel-progress{margin-bottom:20px;width:calc(100% - 20px)}.funnel-wrap{width:calc(100% - 20px);padding:24px 16px;border-radius:20px}.funnel-footer .wrap{width:calc(100% - 28px)}.funnel-footer-row{grid-template-columns:1fr 1fr}.funnel-footer-brand{grid-column:1/-1}.funnel-footer-brand img{width:170px}.funnel-footer-item strong{font-size:12px}}
@media(max-width:440px){.funnel-footer-row{grid-template-columns:1fr;gap:14px}.funnel-footer-brand{grid-column:auto}}
\n\n/* USMF V4.3.2 — Unified Funnel Entry-Path Standardization\n   Both Start Here and Explore Your Options now share one visual system. */\n.funnel-wrap .micro-proof,.funnel-wrap .program-badges{display:none!important}\n.funnel-wrap .fstep>h1,.funnel-wrap .fstep>h2{margin-top:0}\n.funnel-wrap .fnav{display:grid;grid-template-columns:auto minmax(220px,1fr);align-items:center;gap:14px;margin-top:24px}\n.funnel-wrap .fnav.single-action{grid-template-columns:1fr}\n.funnel-wrap .fnav .btn.primary{width:100%;min-width:0}\n.funnel-wrap .fnav .back{padding:12px 8px;color:#dce9f6}\n.funnel-wrap .fstep>.btn.primary{width:100%}\n@media(max-width:580px){\n .funnel-wrap .fnav{grid-template-columns:1fr;gap:8px}\n .funnel-wrap .fnav .back{order:2;text-align:left;padding:10px 2px}\n .funnel-wrap .fnav .btn.primary{order:1}\n}\n
/* USMF V4.4 Step 2 — cookie preference controls */
.usmf-cookie-banner{position:fixed;left:16px;right:16px;bottom:16px;z-index:99999;max-width:760px;margin:auto;background:#fff;border:1px solid #d7dee8;border-radius:14px;box-shadow:0 12px 40px rgba(0,0,0,.18);padding:18px;color:#172033;font-size:14px;line-height:1.5}
.usmf-cookie-banner[hidden],.usmf-cookie-settings[hidden]{display:none!important}.usmf-cookie-actions{display:flex;gap:10px;flex-wrap:wrap;margin-top:14px}.usmf-cookie-actions button,.usmf-cookie-link{border:0;border-radius:8px;padding:10px 14px;font:inherit;font-weight:700;cursor:pointer}.usmf-cookie-primary{background:#123f73;color:#fff}.usmf-cookie-secondary{background:#eef3f8;color:#123f73}.usmf-cookie-settings{position:fixed;inset:0;z-index:100000;background:rgba(0,0,0,.48);display:grid;place-items:center;padding:18px}.usmf-cookie-panel{background:#fff;border-radius:14px;max-width:620px;width:100%;max-height:90vh;overflow:auto;padding:22px;color:#172033}.usmf-cookie-row{display:flex;justify-content:space-between;gap:18px;align-items:flex-start;padding:14px 0;border-top:1px solid #e5eaf0}.usmf-cookie-row:first-of-type{border-top:0}.usmf-cookie-row p{margin:4px 0 0;font-size:13px}.usmf-cookie-row input{width:22px;height:22px}.usmf-cookie-manage{background:none;border:0;padding:0;color:inherit;text-decoration:underline;cursor:pointer;font:inherit}