:root{--ink:#14212b;--muted:#5b6770;--bg:#f6f4ef;--card:#fff;--brand:#0f3d3e;--accent:#e0a526;--line:#e3dfd6;--warn:#fff6e0}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
a{color:var(--brand)}img,svg{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px}
header.site{background:var(--brand);color:#fff}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:14px;padding-bottom:14px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;letter-spacing:.3px}
.logo small{display:block;font-weight:400;font-size:12px;opacity:.8;letter-spacing:.5px}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px 18px}
nav.main a{color:#fff;text-decoration:none;font-size:15px;opacity:.9}nav.main a:hover,nav.main a[aria-current]{opacity:1;text-decoration:underline}
.hero{background:linear-gradient(160deg,var(--brand),#16595a);color:#fff;padding:64px 0 72px}
.hero h1{font-size:clamp(30px,5vw,48px);line-height:1.15;margin:0 0 16px;max-width:780px}
.hero p.lead{font-size:clamp(17px,2.2vw,20px);max-width:680px;opacity:.95;margin:0 0 24px}
.btn{display:inline-block;background:var(--accent);color:#14212b;font-weight:700;padding:13px 22px;border-radius:8px;text-decoration:none;border:0;cursor:pointer;font-size:16px}
.btn.ghost{background:transparent;color:#fff;border:2px solid #fff}.btn:hover{filter:brightness(1.05)}
.btn-row{display:flex;gap:12px;flex-wrap:wrap}
section{padding:52px 0}section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:clamp(24px,3.4vw,32px);line-height:1.2;margin:0 0 14px}h3{margin:0 0 8px;font-size:20px}
.grid{display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px}
.card .icon{width:44px;height:44px;border-radius:10px;background:#e8efe9;display:grid;place-items:center;margin-bottom:12px}
.card a.more{font-weight:600;text-decoration:none}
.steps{counter-reset:s;display:grid;gap:18px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.steps li{list-style:none;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:20px 20px 20px 64px;position:relative}
.steps li:before{counter-increment:s;content:counter(s);position:absolute;left:18px;top:18px;width:32px;height:32px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:700}
ul.ticks{padding-left:0;list-style:none}ul.ticks li{padding-left:28px;position:relative;margin:6px 0}
ul.ticks li:before{content:"";position:absolute;left:4px;top:.55em;width:12px;height:7px;border-left:3px solid var(--brand);border-bottom:3px solid var(--brand);transform:rotate(-45deg)}
.notice{background:var(--warn);border:1px solid #f0d58c;border-radius:10px;padding:16px 18px;font-size:15px}
.placeholder{background:#fde8e8;color:#8a1c1c;padding:0 4px;border-radius:4px;font-family:ui-monospace,monospace;font-size:.9em}
.two{display:grid;gap:32px;grid-template-columns:1fr}@media(min-width:860px){.two{grid-template-columns:1.1fr .9fr}}
form.lead{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px}
form.lead h2{font-size:24px}
.field{margin:0 0 14px}.field label{display:block;font-weight:600;font-size:15px;margin-bottom:5px}
.field input,.field select,.field textarea{width:100%;padding:12px;border:1px solid #c9c4b8;border-radius:8px;font:inherit;background:#fff}
.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid #f3d27f;border-color:var(--brand)}
.row2{display:grid;gap:0 14px;grid-template-columns:1fr}@media(min-width:560px){.row2{grid-template-columns:1fr 1fr}}
.check{display:flex;gap:10px;align-items:flex-start;font-size:14px;margin:10px 0}.check input{margin-top:4px;width:18px;height:18px;flex:none}
.small{font-size:14px;color:var(--muted)}.hp{position:absolute;left:-5000px}
.prose{max-width:780px}.prose h2{margin-top:34px;font-size:24px}
footer.site{background:#0b2526;color:#cfd8d6;font-size:14px;padding:36px 0}
footer.site a{color:#fff}footer.site .cols{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin:4px 0}
.disclaimer{border-top:1px solid #23474a;margin-top:24px;padding-top:16px}
.proto-banner{background:#8a1c1c;color:#fff;text-align:center;font-size:13px;padding:6px}
/* Circlestone identity */
:root{--brand:#13343b;--accent:#c9a24a}
h1,h2,.logo span{font-family:"Iowan Old Style","Palatino Linotype",Palatino,Georgia,serif;letter-spacing:-.2px}
.logo small{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
.hero{position:relative;overflow:hidden;background:linear-gradient(160deg,#13343b,#1d4a52)}
.hero .wrap{position:relative;z-index:1}
.hero:after{content:"";position:absolute;right:-140px;top:-120px;width:520px;height:520px;border-radius:50%;border:2px solid rgba(201,162,74,.45);box-shadow:0 0 0 46px rgba(255,255,255,.035),0 0 0 100px rgba(255,255,255,.03),inset 0 0 0 60px rgba(255,255,255,.025);pointer-events:none}
.eyebrow{text-transform:uppercase;letter-spacing:1.6px;font-size:13px;font-weight:600;color:var(--accent);margin:0 0 10px}
.sub{color:var(--muted);margin-top:-6px}
.ic-band{background:#0e262c;color:#fff;padding:56px 0}
.ic-band p{color:#d7e0df;max-width:640px}
.ic-wrap{display:flex;gap:28px;align-items:center}
.ic-band h2{color:#fff;margin:0 0 8px}
@media (max-width:640px){.hero:after{width:340px;height:340px;right:-170px;top:-140px}.ic-wrap{flex-direction:column;align-items:flex-start}}
/* Problem-first cards */
.cardlink{display:flex;flex-direction:column;text-decoration:none;color:inherit;transition:transform .15s,box-shadow .15s}
.cardlink:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(19,52,59,.12)}
.cardlink .more{margin-top:auto;padding-top:10px;font-weight:600;color:var(--brand)}
.card.pending{border-style:dashed}
#problems .grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
textarea{width:100%;font:inherit;padding:10px;border:1px solid #cfd8dc;border-radius:8px;box-sizing:border-box}
/* Other problems – smaller cards */
.minigrid{display:grid;gap:12px;grid-template-columns:repeat(auto-fit,minmax(190px,1fr))}
.mini{display:flex;flex-direction:column;gap:4px;padding:14px 16px;border:1px solid #dfe5e3;border-radius:10px;background:#fff;text-decoration:none;color:inherit;font-size:.92rem}
.mini strong{color:var(--brand)}
.mini:hover{border-color:var(--accent)}
/* LoanOptions-era components */
.hero-note{font-size:14px;opacity:.85;margin:16px 0 0}
.widget{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:0 6px 24px rgba(19,52,59,.08)}
.widget-slot{border:2px dashed #d9a3a3;border-radius:10px;padding:28px 18px;text-align:center;background:#fffafa;margin:10px 0 14px;min-height:220px;display:flex;flex-direction:column;justify-content:center;gap:10px}
.widget .attrib{font-size:14px;font-weight:600;margin:0 0 8px}
.addon{display:flex;gap:16px;align-items:flex-start;background:var(--card);border:1px solid var(--line);border-radius:12px;padding:20px;margin-top:22px}
.addon h3{margin:0 0 6px}.addon p{margin:0 0 8px}
details.faq{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:14px 18px;margin:10px 0}
details.faq summary{font-weight:600;cursor:pointer}details.faq div{margin-top:10px}
table.simple{width:100%;border-collapse:collapse;background:#fff;font-size:.93rem;margin:10px 0}
table.simple th,table.simple td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
.calc .result{margin-top:14px;font-size:16px}
.logo img{display:block;height:34px;width:auto}
.logo small.tag{border-left:1px solid rgba(255,255,255,.3);padding-left:12px;line-height:1.3;font-size:11px;text-transform:uppercase}
@media(max-width:560px){.logo small.tag{display:none}}