/* Two compositions, one shared application flow. Landing styles never theme the quiz. */
.concept-2 main h1,.concept-3 main h1{margin-top:0;max-width:none}
.concept-2 main h2,.concept-3 main h2{text-wrap:balance}
.concept-2 main p,.concept-3 main p{font-size:16px;line-height:1.6}
.concept-2 main .button,.concept-3 main .button{min-height:54px}

/* 2 — light, asymmetric and direct. */
.concept-2{background:#fff;color:#142745}
.concept-2 .site-header{height:100px}
.editorial-hero{display:grid;grid-template-columns:minmax(0,1.5fr) minmax(280px,1fr);gap:56px;padding-block:64px 56px;align-items:center}
.editorial-heading h1{font-size:clamp(36px,4.1vw,58px);line-height:1.12;letter-spacing:-2px;font-weight:600}
.editorial-heading .hero-title-company{margin-top:8px}
.editorial-start{border-top:3px solid #df4c5e;background:#f1f7ff;padding:28px 28px 24px}
.editorial-start h2{font-size:26px;line-height:1.2;letter-spacing:-.7px}
.editorial-start>p{color:#52647b;margin-top:16px}
.editorial-start .hero-button{width:100%;min-width:0;margin-top:24px;border-radius:4px}
.editorial-start .editorial-office{font-size:14px;line-height:1.55;margin-top:16px}
.editorial-facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));padding:28px 0;margin-block:0;border-block:1px solid #d9e2ee}
.editorial-facts>div{padding-inline:28px;border-left:1px solid #d9e2ee}.editorial-facts>div:first-child{padding-left:0;border:0}
.editorial-facts dt{font-size:32px;font-weight:600;line-height:1.2;letter-spacing:-1px}.editorial-facts dd{margin:10px 0 0;font-size:14px;line-height:1.55;color:#52647b}
.editorial-journey{display:grid;grid-template-columns:1fr 1.25fr;gap:88px;padding-block:64px}
.editorial-journey h2,.editorial-branches h2,.editorial-close h2{font-size:32px;letter-spacing:-1px}
.editorial-journey>div>p{margin-top:16px;color:#52647b;max-width:340px}
.editorial-journey ol{list-style:none;margin:0;padding:0}.editorial-journey li{display:flex;gap:24px;padding-block:24px;border-top:1px solid #e6ebf3}.editorial-journey li:first-child{padding-top:0;border:0}.editorial-journey li:last-child{padding-bottom:0}
.editorial-journey li>span{font-size:24px;font-weight:600;line-height:1.2;min-width:24px;color:#1457d9}.editorial-journey h3{font-size:20px;font-weight:600;line-height:1.3}.editorial-journey li p{margin-top:6px;color:#52647b}
.editorial-branches{display:grid;grid-template-columns:1fr 1.25fr;gap:88px;padding-block:36px;border-block:1px solid #d9e2ee}.editorial-branches p{margin-top:14px;color:#52647b}
.editorial-cities{display:grid;grid-template-columns:1fr 1fr;gap:0 28px;margin:0;padding:0;list-style:none}.editorial-cities li{font-size:20px;padding-block:10px;border-bottom:1px solid #e6ebf3}
.editorial-close{display:flex;align-items:center;justify-content:space-between;gap:40px;padding-block:56px}.editorial-close p{margin-top:14px;color:#52647b}.editorial-close .button{flex-shrink:0;border-radius:4px}

/* 3 — deep blue, a static light field and fine luminous edges. */
.concept-3{background:#071c34;color:#eff6ff;background-image:radial-gradient(ellipse 650px 450px at 76% 180px,#1b66dd47,transparent 75%),radial-gradient(ellipse 500px 400px at 12% 480px,#56cbe51c,transparent 75%)}
.concept-3 .site-header{border-color:#4b6b8c66;height:106px}.concept-3 .site-header>.brand{background:#fff;border-radius:8px;padding:5px 10px}.concept-3 .site-header .company-logo{width:160px}
.concept-3 .header-phones a{color:#edf6ff}.concept-3 .header-socials a,.concept-3 .header-socials>span{color:#b9d7ef}.concept-3 .header-socials a:hover{background:#ffffff10}.concept-3 .language-button{color:#edf6ff;background:#ffffff08;border-color:#7191b080}
.concept-3 main .primary,.concept-3 .mobile-cta-dock .primary{background:linear-gradient(115deg,#86bbff,#6adaef);color:#071c34;border:1px solid #bde7ff;border-radius:12px;box-shadow:0 8px 34px #479bff33;font-weight:700}
.concept-3 main .primary:hover{background:linear-gradient(115deg,#a3cdff,#8fe8f5)}
.signal-hero{position:relative;text-align:center;padding-block:64px 0}.signal-hero h1{font-size:clamp(40px,4.8vw,66px);line-height:1.12;letter-spacing:-2.5px;max-width:1000px!important;margin-inline:auto;font-weight:600}
.signal-hero .hero-title-lead{color:#eff6ff}.signal-hero .hero-title-company{color:#91dcf4;background:linear-gradient(100deg,#bddbff,#74d9ed);background-clip:text;-webkit-background-clip:text;-webkit-text-fill-color:transparent;margin-top:8px}
.signal-hero .hero-button{margin-top:32px;min-width:280px}.signal-hero .signal-office{margin-top:18px;color:#b9cadc;font-size:14px}
.signal-facts{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));margin:44px 0 0;padding:28px 0;border-block:1px solid #4b6b8c80;text-align:left}.signal-facts>div{padding-inline:32px;border-left:1px solid #4b6b8c80}.signal-facts>div:first-child{padding-left:0;border:0}
.signal-facts dt{font-size:32px;line-height:1.2;font-weight:600;letter-spacing:-1px}.signal-facts dd{font-size:14px;line-height:1.55;color:#b9cadc;margin:10px 0 0}
.signal-process{margin-top:48px;padding:32px;border:1px solid #5c83af80;border-radius:20px;background:linear-gradient(140deg,#173c6270,#10253e35);box-shadow:inset 0 1px 0 #c1e3ff14}
.signal-process h2{font-size:28px;letter-spacing:-.8px}.signal-process ol{list-style:none;margin:28px 0 0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:32px}
.signal-process li>span{display:block;font-size:14px;line-height:1.5;color:#9bdcf1;margin-bottom:12px}.signal-process h3{font-size:22px;font-weight:600;letter-spacing:-.3px}.signal-process li p{color:#b9cadc;margin-top:10px}
.signal-details{display:grid;grid-template-columns:1fr 1.15fr;gap:72px;padding-block:56px}.signal-details h2{font-size:30px;letter-spacing:-.8px}.signal-details p{margin-top:16px;color:#b9cadc}
.signal-commission{padding-left:24px;border-left:2px solid #62cde8}.signal-commission h2{max-width:360px}.signal-commission p{max-width:380px}
.signal-branches ul{display:flex;flex-wrap:wrap;list-style:none;padding:0;margin:20px 0 0;gap:10px}.signal-branches li{font-size:16px;line-height:1.5;padding:8px 14px;border:1px solid #5c83af80;border-radius:7px;background:#19345266}
.signal-close{display:flex;align-items:center;justify-content:space-between;gap:48px;padding-block:36px 48px;border-top:1px solid #4b6b8c80}.signal-close h2{max-width:660px;font-size:30px;letter-spacing:-.8px}.signal-close .button{flex-shrink:0}
.concept-3 .site-footer{border-color:#4b6b8c80}.concept-3 .site-footer p,.concept-3 .footer-links,.concept-3 #footer-company-contacts{color:#b9cadc}.concept-3 .footer-links a:hover{color:#fff}.concept-3 .footer-brand{color:#eff6ff}

@media(max-width:950px){.editorial-hero{gap:32px}.editorial-heading h1{font-size:40px}.editorial-start{padding:24px}.editorial-journey,.editorial-branches{gap:40px}.signal-details{gap:40px}}
@media(max-width:700px){
  .concept-2 .site-header,.concept-3 .site-header{height:auto;min-height:84px}.concept-3 .site-header .company-logo{width:120px}.concept-3 .site-header>.brand{padding:4px 7px}
  .editorial-hero{grid-template-columns:minmax(0,1fr);gap:24px;padding-block:28px 30px}.editorial-heading h1,.signal-hero h1{font-size:clamp(21px,6.2vw,40px);line-height:1.2;letter-spacing:-.65px}.editorial-heading .hero-title-company{margin-top:4px}
  .editorial-start{padding:20px;border-top-width:2px}.editorial-start h2{font-size:22px}.editorial-start>p{margin-top:10px}.editorial-start .hero-button{margin-top:18px;min-height:54px}.editorial-start .editorial-office{margin-top:12px}
  .editorial-facts{padding-block:22px;gap:16px}.editorial-facts>div{padding:0;border:0}.editorial-facts dt{font-size:24px;letter-spacing:-.6px}.editorial-facts dd{margin-top:8px;font-size:14px}
  .editorial-journey{grid-template-columns:minmax(0,1fr);padding-block:36px;gap:28px}.editorial-journey h2,.editorial-branches h2,.editorial-close h2{font-size:28px}.editorial-journey>div>p{max-width:none}.editorial-journey li{gap:16px;padding-block:20px}.editorial-journey li>span{font-size:20px}.editorial-journey h3{font-size:20px}
  .editorial-branches{grid-template-columns:minmax(0,1fr);gap:18px;padding-block:28px}.editorial-cities{gap:0 16px}.editorial-cities li{font-size:18px}.editorial-close{align-items:stretch;flex-direction:column;gap:22px;padding-block:36px}.editorial-close .button{width:100%}
  .signal-hero{padding-top:32px}.signal-hero .hero-title-company{margin-top:4px}.signal-hero .hero-button{width:100%;min-width:0;margin-top:24px}.signal-hero .signal-office{margin-top:14px;font-size:14px}
  .signal-facts{margin-top:30px;padding-block:22px;gap:16px}.signal-facts>div{padding:0;border:0}.signal-facts dt{font-size:24px;letter-spacing:-.5px}.signal-facts dd{margin-top:8px;font-size:14px}
  .signal-process{margin-top:30px;padding:24px 20px;border-radius:14px}.signal-process h2{font-size:26px}.signal-process ol{grid-template-columns:minmax(0,1fr);gap:20px;margin-top:24px}.signal-process li{display:grid;grid-template-columns:22px 1fr;gap:6px 14px}.signal-process li>span{grid-row:1/3;font-size:16px;margin:2px 0 0}.signal-process h3{font-size:20px}.signal-process li p{margin-top:0}
  .signal-details{grid-template-columns:minmax(0,1fr);gap:32px;padding-block:36px}.signal-details h2{font-size:27px}.signal-details p{margin-top:12px}.signal-commission{padding-left:18px}.signal-branches ul{margin-top:16px;gap:8px}.signal-branches li{font-size:16px;padding:8px 12px}
  .signal-close{align-items:stretch;flex-direction:column;gap:22px;padding-block:30px 36px}.signal-close h2{font-size:27px}.signal-close .button{width:100%}
}
@media(max-width:360px){.editorial-facts,.signal-facts{gap:12px}.editorial-facts dt,.signal-facts dt{font-size:22px}.concept-3 .site-header .company-logo{width:104px}}

/* 2 — light glass surfaces, clear type and restrained optical depth. */
.concept-2{background-color:#edf3fb;background-image:radial-gradient(ellipse 70% 40% at 10% 5%,#cce9ff,transparent 75%),radial-gradient(ellipse 60% 45% at 95% 30%,#d9e3ff,transparent 75%),linear-gradient(150deg,#f5f9ff,#edf3fb 60%,#f7fbff);color:#142745}
.concept-2 .landing-header{height:auto;min-height:0;background:#f6faffbd;border-color:#ffffffc9;backdrop-filter:blur(22px) saturate(1.5);-webkit-backdrop-filter:blur(22px) saturate(1.5);box-shadow:0 1px 0 #b9cae14d}
.concept-2 .editorial-hero{gap:48px;padding-top:56px}.concept-2 .editorial-heading h1{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;font-weight:600;letter-spacing:-2px}
.concept-2 .editorial-start,.concept-2 .editorial-facts{position:relative;border:1px solid #fff;border-radius:28px;background:linear-gradient(130deg,#ffffffc9,#ffffff70);box-shadow:inset 0 1px 0 #fff,inset 0 -1px 0 #c5d6e34d,0 12px 36px #52759612;backdrop-filter:blur(22px) saturate(1.4);-webkit-backdrop-filter:blur(22px) saturate(1.4)}
.concept-2 .editorial-start{padding:30px}.concept-2 .editorial-start h2{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;font-size:26px}
.concept-2 main .button{border-radius:999px;background:linear-gradient(165deg,#155edc,#0b4cbd);border:1px solid #387ce8;color:#fff;box-shadow:inset 0 1px 0 #ffffff6b,0 7px 18px #1457d926;min-height:54px}
.concept-2 main .button:hover{background:#0646b3}.concept-2 main .button:focus-visible{outline-color:#1a5bb8}
.concept-2 .editorial-facts{padding:26px}.concept-2 .editorial-facts>div{border-color:#b6c9df80}.concept-2 .editorial-facts dd,.concept-2 .editorial-start p{color:#465b73}
.concept-2 .editorial-cities li{border-color:#b8cbe180}.concept-2 .editorial-branches{border-color:#b8cbe180}.concept-2 .site-footer{border-color:#b8cbe180}.concept-2 .language-button{background:#ffffff80;border-color:#afc3db;border-radius:999px}.concept-2 .header-socials a:hover{background:#ffffffb0}
.concept-2 .editorial-journey li{border-color:#b8cbe180}
.concept-3 .landing-header{height:auto;min-height:0;background:#071c34ed;border-color:#4b6b8c80}.concept-3 .header-inner>.brand{background:#fff;border-radius:8px;padding:3px 7px}
@supports not ((backdrop-filter:blur(1px)) or (-webkit-backdrop-filter:blur(1px))){.concept-2 .editorial-start,.concept-2 .editorial-facts,.concept-2 .landing-header{background:#f7faff}}
@media(max-width:700px){
  .concept-2 .editorial-hero{padding-top:28px;gap:22px}.concept-2 .editorial-heading h1{font-size:clamp(21px,6.2vw,40px);letter-spacing:-.65px}.concept-2 .editorial-start{padding:22px;border-radius:24px}.concept-2 .editorial-start h2{font-size:22px}.concept-2 .editorial-facts{padding:20px 16px;gap:12px;border-radius:24px}.concept-2 .editorial-facts>div{padding:0;border:0}
  .concept-3 .site-header.landing-header .company-logo{width:116px}.concept-3 .header-inner>.brand{padding:2px 5px}
}
@media(max-width:360px){.concept-3 .site-header.landing-header .company-logo{width:100px}}
@media(prefers-reduced-transparency:reduce),(prefers-contrast:more){.concept-2 .landing-header,.concept-2 .editorial-start,.concept-2 .editorial-facts{background:#f7faff;backdrop-filter:none;-webkit-backdrop-filter:none;border-color:#99afc9;box-shadow:none}.concept-3 .landing-header{background:#071c34;backdrop-filter:none;-webkit-backdrop-filter:none}}

/* The first action follows the headline directly, without a duplicate card. */
.concept-2 .editorial-hero{display:block}.concept-2 .editorial-heading{max-width:900px}.concept-2 .editorial-heading .hero-button{margin-top:28px;min-width:258px}
.concept-3 .phone-button{color:#edf6ff}.concept-3 .phone-button:hover,.concept-3 .phone-button[aria-expanded=true]{background:#ffffff14}

.concept-3 .header-inner > .brand { background: transparent; padding: 0; }
.concept-3 .landing-header .company-logo { height: 64px; width: auto; }
.signal-calculator { padding-block: 36px 48px; }
@media (min-width: 701px) { .signal-calculator { scroll-margin-top: 88px; } }
.signal-calculator h2 { margin: 0; font-size: clamp(26px, 4vw, 34px); }
.calculator-intro { color: #b9cadc; margin: 10px 0 20px; }
.calculator-panel {
  display: grid;
  grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr);
  border: 1px solid #537292;
  border-radius: 16px;
  background: #0c2643;
}
.calculator-panel form, .calculator-result { padding: clamp(16px, 3vw, 32px); min-width: 0; }
.calculator-result { border-inline-start: 1px solid #537292; background: #102e4d; border-radius: 0 15px 15px 0; }
.calculator-result h3 { margin: 0 0 12px; font-size: 19px; }
.calculator-products { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 8px; padding: 0; margin: 0; border: 0; min-width: 0; }
.calculator-products legend { padding: 0; margin-bottom: 8px; }
.calculator-products label { display: flex; position: relative; cursor: pointer; }
.calculator-products input { position: absolute; opacity: 0; inset: 0; margin: 0; width: 100%; height: 100%; cursor: pointer; }
.calculator-products span { display: grid; place-items: center; text-align: center; width: 100%; min-height: 48px; padding: 8px; border: 1px solid #6785a3; border-radius: 8px; font-size: 15px; }
.calculator-products input:checked + span { background: #bbecff; color: #071c34; border-color: #bbecff; }
.calculator-products input:focus-visible + span { outline: 3px solid #86bbff; outline-offset: 3px; }
.calculator-fields { display: grid; grid-template-columns: minmax(0, 1.4fr) minmax(0, 1fr); gap: 12px; margin-block: 16px; }
.calculator-fields input { display: block; width: 100%; min-height: 46px; margin-top: 6px; padding: 8px; border: 1px solid #6785a3; border-radius: 8px; background: #071c34; color: #eff6ff; font: inherit; font-variant-numeric: tabular-nums; }
.calculator-fields input:disabled { opacity: .7; }
.calculator-fields input:focus-visible { outline: 3px solid #86bbff; outline-offset: 2px; }
.calculator-payoff-toggle { display: flex; align-items: center; gap: 10px; min-height: 44px; margin-bottom: 12px; cursor: pointer; }
.calculator-payoff-toggle input { width: 18px; height: 18px; flex: 0 0 18px; margin: 0; accent-color: #a8e4ff; }
.calculator-payoff-toggle input:focus-visible { outline: 3px solid #86bbff; outline-offset: 3px; }
.calculator-payoff-toggle:has(input:disabled) { color: #bbcee0; cursor: default; }
.calculator-payoff-field { grid-template-columns: minmax(0, 1fr); gap: 4px; margin-top: 0; }
.calculator-payoff-field[hidden] { display: none; }
#loan-payoff-hint { color: #bbcee0; font-size: 14px; }
.calculator-panel button { width: 100%; }
.calculator-panel button:disabled { opacity: .65; cursor: not-allowed; }
.calculator-limits:empty { display: none; }
.calculator-limits, .calculator-legal { color: #bbcee0; margin: 12px 0 0; }
.calculator-legal { font-size: 13px; line-height: 1.5; }
.calculator-result dl { display: grid; grid-template-columns: minmax(0, 1fr) auto; gap: 8px 12px; margin: 0 0 16px; }
.calculator-result dd { margin: 0; font-weight: 700; text-align: end; font-variant-numeric: tabular-nums; }
.calculator-total { font-weight: 700; }
.calculator-payoff-result { border-top: 1px solid #537292; padding-top: 16px; }
.calculator-payoff-result h4 { margin: 0 0 12px; font-size: 17px; }
.calculator-savings { color: #9eeab9; font-weight: 700; }
.calculator-schedule-options { display: flex; gap: 8px; }
.calculator-schedule-options button { width: auto; min-width: 0; min-height: 44px; padding: 8px 12px; border: 1px solid #6785a3; border-radius: 8px; background: #0d263f; color: #eff6ff; font: inherit; font-size: 15px; text-wrap: balance; cursor: pointer; touch-action: manipulation; }
.calculator-schedule-options button:hover { border-color: #bbecff; background: #183f61; }
.calculator-schedule-options button[aria-expanded="true"] { border-color: #bbecff; background: #bbecff; color: #071c34; }
.calculator-schedule-options button:focus-visible { outline: 3px solid #86bbff; outline-offset: 2px; }
.calculator-schedule { list-style: none; padding: 0; margin: 12px 0 0; font-variant-numeric: tabular-nums; }
.calculator-schedule li { display: flex; justify-content: space-between; gap: 12px; padding-block: 8px; border-top: 1px solid #537292; }
.concept-3 .footer-links a.terms-link { display: inline-flex; align-items: center; min-height: 44px; padding: 8px 12px; border: 1px solid #6785a3; border-radius: 8px; text-decoration: none; color: #eff6ff; }
@media (max-width: 670px) {
  .concept-3 .site-header.landing-header .company-logo { height: 49px; width: auto; }
  .signal-calculator { padding-block: 24px 32px; }
  .calculator-panel { grid-template-columns: minmax(0, 1fr); }
  .calculator-result { border-inline-start: 0; border-top: 1px solid #537292; border-radius: 0 0 15px 15px; }
  .calculator-panel:not(.is-calculated) .calculator-result { display: none; }
}
@media(max-width:700px){
  .concept-2 .editorial-heading .hero-button{width:100%;min-width:0;margin-top:24px}
  .editorial-facts,.signal-facts{grid-template-columns:minmax(0,1fr) minmax(0,1fr) minmax(0,1.2fr);gap:6px;text-align:left}
  .concept-2 .editorial-facts{padding:20px 6px;gap:6px}.editorial-facts>div,.signal-facts>div{min-width:0;padding:0}
  .editorial-facts dt,.signal-facts dt{font-size:clamp(20px,5.4vw,24px);line-height:1.2;letter-spacing:-.35px;white-space:nowrap}
  .editorial-facts dd,.signal-facts dd{font-size:14px;line-height:1.5;margin:10px 0 0;overflow-wrap:normal;word-break:normal}.fact-since{white-space:nowrap}
  .editorial-facts dt.fact-branch,.signal-facts dt.fact-branch{display:flex;align-items:baseline;gap:4px}.fact-branch .fact-unit{font-size:14px;line-height:1.2;letter-spacing:-.2px}
  .editorial-cities li:last-child{border-bottom:0}
}