/* Page-scoped styling; typography comes from the shared ASSAN 5.1 theme. */
.loan-apply-page {
    --loan-ink: #1b1b21;
    --loan-gold: #835712;
    --loan-cream: #faf8f2;
    --loan-border: #ded8cd;
    color: var(--loan-ink);
    background: #fff;
}
.loan-apply-page h1,
.loan-apply-page h2,
.loan-apply-page h3 {
    color: inherit;
    line-height: 1.15;
    letter-spacing: normal;
}
.loan-apply-page h1 {
    font-size: clamp(2.5rem, 3.7vw, 3.7rem);
}
.loan-apply-page p {
    line-height: 1.8;
}
.loan-apply-page .btn {
    display: inline-flex;
    align-items: center;
    justify-content: center;
    gap: 8px;
    white-space: normal;
    border-radius: 50px;
}
.loan-apply-page a:focus-visible,
.loan-apply-page summary:focus-visible {
    outline: 3px solid var(--loan-gold);
    outline-offset: 5px;
}
.loan-apply-hero {
    padding: 150px 0 80px;
    background: var(--loan-cream);
}
.loan-apply-hero .language-selector {
    margin-bottom: 32px;
}
.loan-apply-hero-grid {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    align-items: center;
    gap: 64px;
}
.loan-apply-checks {
    list-style: none;
    padding: 0;
    margin: 24px 0;
}
.loan-apply-checks li {
    position: relative;
    padding-left: 30px;
    margin-bottom: 12px;
}
.loan-apply-checks li::before {
    content: '✓';
    position: absolute;
    left: 0;
    color: var(--loan-gold);
    font-weight: 600;
}
.loan-apply-hero-actions {
    display: flex;
    align-items: center;
    flex-wrap: wrap;
    gap: 20px;
}
.loan-apply-text-link {
    color: var(--loan-ink);
    text-decoration: underline;
    text-underline-offset: 5px;
}
/* A real HTML illustration keeps all phone copy localized and crisp at any size. */
.loan-apply-visual {
    position: relative;
    padding: 30px 38px;
}
.loan-apply-phone {
    max-width: 325px;
    margin: auto;
    padding: 50px 24px 22px;
    border: 8px solid var(--loan-ink);
    border-radius: 42px;
    background: #fff;
    box-shadow: 16px 24px 0 #e7dfcc, 0 20px 55px #3428101a;
    position: relative;
    text-align: center;
}
.loan-apply-notch {
    width: 96px;
    height: 18px;
    border-radius: 0 0 14px 14px;
    background: var(--loan-ink);
    position: absolute;
    top: 0;
    left: calc(50% - 48px);
}
.loan-apply-phone-brand {
    font-size: .72rem;
    letter-spacing: .16em;
    color: var(--loan-gold);
    margin-bottom: 20px;
}
.loan-apply-phone h2 {
    font-size: 2rem;
}
.loan-apply-phone p {
    font-size: .8rem;
    margin: 12px 0;
}
.loan-apply-phone-home {
    width: 88px;
    height: 88px;
    display: grid;
    place-items: center;
    border-radius: 50%;
    background: var(--loan-cream);
    color: var(--loan-gold);
    font-size: 2.8rem;
    margin: 24px auto;
}
.loan-apply-phone-step {
    display: flex;
    align-items: center;
    gap: 10px;
    padding: 13px 0;
    border-top: 1px solid var(--loan-border);
    text-align: left;
    font-size: .78rem;
}
.loan-apply-phone-step i {
    color: var(--loan-gold);
    font-size: 1.2rem;
}
.loan-apply-section {
    padding: 80px 0;
}
.loan-apply-eyebrow {
    color: var(--loan-gold);
    text-transform: uppercase;
    letter-spacing: .14em;
    font-size: .75rem;
    font-weight: 600;
}
.loan-apply-intro {
    max-width: 850px;
    margin: 20px 0 36px;
}
.loan-apply-steps {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 28px;
    list-style: none;
    padding: 0;
    margin: 0;
}
.loan-apply-card {
    display: flex;
    flex-direction: column;
    padding: 36px;
    border: 1px solid var(--loan-border);
    border-radius: 16px;
}
.loan-apply-card h3 {
    font-size: 1.85rem;
    margin-bottom: 20px;
}
.loan-apply-step-number {
    font-size: 3rem;
    font-family: 'Source Serif Pro', serif;
    line-height: 1;
    color: var(--loan-gold);
    margin-bottom: 16px;
}
.loan-apply-card-action {
    margin-top: auto;
    padding-top: 20px;
}
.loan-apply-credit-note {
    background: var(--loan-cream);
    border-radius: 8px;
    padding: 16px;
    margin-bottom: 16px;
}
.loan-apply-document-list {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    gap: 12px 40px;
    padding-left: 20px;
    margin: 12px 0 28px;
}
.loan-apply-security {
    border-left: 3px solid var(--loan-gold);
    padding: 4px 0 4px 20px;
    margin: 0;
    font-size: .9rem;
}
.loan-apply-next {
    max-width: 900px;
    margin-top: 40px;
}
.loan-apply-next h3 {
    font-size: 1.8rem;
}
.loan-apply-preparation {
    background: var(--loan-cream);
}
.loan-apply-preparation h3 {
    font-size: 2rem;
    margin: 48px 0 20px;
}
.loan-apply-program-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 20px;
}
.loan-apply-program {
    padding: 28px;
    background: #fff;
    border: 1px solid var(--loan-border);
    border-radius: 14px;
}
.loan-apply-program h4 {
    font-size: 1.2rem;
}
.loan-apply-program p {
    font-size: .9rem;
    margin: 0;
}
.loan-apply-options {
    display: grid;
    grid-template-columns: repeat(2, minmax(0, 1fr));
    column-gap: 44px;
    margin: 24px 0;
}
.loan-apply-options > div {
    border-top: 1px solid var(--loan-border);
    padding: 22px 0;
}
.loan-apply-options dt {
    margin-bottom: 8px;
    font-weight: 600;
}
.loan-apply-options dd {
    margin: 0;
    line-height: 1.8;
    font-size: .9rem;
}
.loan-apply-heloc {
    border: 1px solid #d9cdb5;
    background: #fff;
    border-radius: 16px;
    padding: 36px;
    margin-top: 32px;
}
.loan-apply-heloc h3 {
    margin-top: 0;
}
.loan-apply-heloc p {
    max-width: 760px;
}
.loan-apply-faq-section {
    background: var(--loan-cream);
}
.loan-apply-closing {
    text-align: center;
    max-width: 800px;
}
.loan-apply-closing p {
    margin: 24px 0;
}
.loan-apply-disclosure {
    padding: 0 0 64px;
    font-size: .8rem;
    color: #555;
}
.loan-apply-disclosure a {
    color: var(--loan-gold);
    text-decoration: underline;
}
.loan-apply-page section[id] {
    scroll-margin-top: 120px;
}
@media (max-width: 1199.98px) {
    .loan-apply-hero-grid {
        gap: 30px;
    }
}
@media (max-width: 991.98px) {
    .loan-apply-hero {
        padding-top: 140px;
    }
    .loan-apply-hero-grid {
        grid-template-columns: 1fr;
        gap: 40px;
    }
    .loan-apply-visual {
        width: 100%;
        max-width: 510px;
        margin: auto;
    }
    .loan-apply-program-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }
}
@media (max-width: 767.98px) {
    .loan-apply-section {
        padding: 48px 0;
    }
    .loan-apply-steps, .loan-apply-program-grid, .loan-apply-options, .loan-apply-document-list {
        grid-template-columns: 1fr;
    }
    .loan-apply-card, .loan-apply-heloc {
        padding: 24px;
    }
    .loan-apply-card-action .btn {
        width: 100%;
    }
    .loan-apply-card h3 {
        font-size: 1.65rem;
    }
    .loan-apply-visual {
        padding: 20px 18px;
    }
    .loan-apply-phone {
        box-shadow: 10px 14px 0 #e7dfcc;
    }
    .loan-apply-preparation h3 {
        font-size: 1.75rem;
    }
}

/* ASSAN 5.1 accordion components, using the site's existing Bootstrap bundle. */
.loan-apply-accordion .accordion-item {
    border: 1px solid var(--loan-border);
    border-radius: 16px;
    overflow: hidden;
    margin-bottom: 16px;
    background: #fff;
}
.loan-apply-accordion .accordion-header {
    margin: 0;
}
.loan-apply-accordion .accordion-button {
    padding: 26px;
    gap: 20px;
    color: var(--loan-ink);
    background: #fff;
    font-family: inherit;
    font-size: 1.2rem;
    line-height: 1.5;
    box-shadow: none;
}
.loan-apply-accordion .accordion-button:not(.collapsed) {
    background: #f0eadc;
}
.loan-apply-accordion .accordion-button:focus-visible {
    outline: 3px solid var(--loan-gold);
    outline-offset: -4px;
}
.loan-apply-accordion .accordion-button small {
    display: block;
    font-size: .8rem;
    font-weight: 400;
    color: #62605a;
    margin-top: 6px;
}
.loan-apply-category-icon {
    display: grid;
    place-items: center;
    flex: 0 0 52px;
    height: 52px;
    border-radius: 50%;
    background: var(--loan-cream);
    color: var(--loan-gold);
    font-size: 1.5rem;
}
.loan-apply-accordion .accordion-body {
    padding: 12px 28px 28px;
}
.loan-apply-credit-note strong,
.loan-apply-credit-note span {
    display: block;
}
.loan-apply-credit-note span {
    margin-top: 8px;
}
.loan-apply-next {
    max-width: none;
    border-radius: 16px;
}
.loan-apply-next p:last-child {
    font-size: .85rem;
    color: #62605a;
    margin-bottom: 0;
}
@media (max-width: 767.98px) {
    .loan-apply-accordion .accordion-button {
        padding: 20px 16px;
        gap: 12px;
        font-size: 1.05rem;
    }
    .loan-apply-category-icon {
        flex-basis: 38px;
        height: 38px;
        font-size: 1.2rem;
    }
    .loan-apply-accordion .accordion-body {
        padding: 12px 20px 24px;
    }
}

.loan-apply-page .btn > [aria-hidden="true"] {
    flex-shrink: 0;
}