/* ==========================================================================
   Home loan assistance (/home-loan, /home-loan-apply, /home-loan-status)
   Real-estate + fintech: cream base, deep navy, calm blue, a warm gold accent.
   ========================================================================== */
.hl {
    --hl-navy: #1c2d45;
    --hl-navy-2: #14213a;
    --hl-blue: #2f6fb3;
    --hl-blue-soft: #eaf1f9;
    --hl-gold: #f0c987;
    --hl-cream: #f8f4ed;
    --hl-green: #2e7d57;
    --hl-ring: rgba(47, 111, 179, .2);
    --hl-radius: 1.25rem;
    background: var(--c-white);
    color: var(--c-text);
}
.hl .field-error { margin: .375rem 0 0; font-size: var(--fs-sm); color: #b3261e; }
.hl .field select { width: 100%; }
.hl .field input:focus,
.hl .field select:focus { border-color: var(--hl-blue); box-shadow: 0 0 0 3px var(--hl-ring); outline: 0; }

/* ---------- Buttons ---------- */
.hl-btn-primary { background: var(--hl-navy); color: #fff; border-color: transparent; }
.hl-btn-primary:hover { background: var(--hl-blue); color: #fff; }
.hl-btn-outline { border: 1px solid rgba(28, 45, 69, .25); background: rgba(255, 255, 255, .7); color: var(--hl-navy); }
.hl-btn-outline:hover { border-color: var(--hl-navy); background: #fff; }
.hl-btn-whatsapp { margin-top: 1.25rem; background: #25d366; color: #0b3d1f; border-color: transparent; }
.hl-btn-whatsapp:hover { background: #1fbe5b; }
.hl .btn { height: 2.875rem; padding: 0 1.125rem; border-radius: .75rem; font-weight: 600; }
.hl .btn .icon { width: 1.05rem; height: 1.05rem; }

/* ---------- Type ---------- */
.hl-eyebrow { margin: 0 0 .5rem; font-size: var(--fs-sm); font-weight: 600; letter-spacing: .08em; text-transform: uppercase; color: var(--hl-blue); }
.hl-eyebrow.is-light { color: var(--hl-gold); }
.hl-h2 { margin: 0 0 .75rem; font-family: "Fraunces", Georgia, serif; font-size: clamp(1.625rem, 3vw, 2.375rem); font-weight: 500; line-height: 1.15; letter-spacing: -.01em; color: var(--c-ink); }
.hl-h3 { margin: 0; font-size: var(--fs-xl); font-weight: 600; color: var(--c-ink); }
.hl-section { padding-block: clamp(2.5rem, 6vw, 4.5rem); }
.hl-card { border: 1px solid var(--c-line); border-radius: var(--hl-radius); background: #fff; box-shadow: 0 1.5rem 3rem -2.5rem rgba(20, 33, 58, .45); }
.hl-note { margin: .75rem 0 0; font-size: var(--fs-xs); color: var(--c-muted); }
.hl-hp { position: absolute; left: -9999px; width: 1px; height: 1px; overflow: hidden; }

/* ---------- Hero ---------- */
.hl-hero {
    padding-block: clamp(1.5rem, 4vw, 3rem) clamp(2.5rem, 6vw, 4.5rem);
    background:
        radial-gradient(48rem 26rem at 95% 0%, rgba(47, 111, 179, .14), transparent 70%),
        radial-gradient(40rem 22rem at 0% 100%, rgba(240, 201, 135, .22), transparent 70%),
        var(--hl-cream);
}
.hl-hero-grid { display: grid; grid-template-columns: minmax(0, 1.1fr) minmax(0, 1fr); align-items: center; gap: clamp(2rem, 5vw, 4rem); }
.hl-hero .breadcrumb { margin-bottom: 1.5rem; }
.hl-kicker { display: inline-flex; align-items: center; gap: .5rem; margin: 0 0 1rem; padding: .375rem .75rem; border-radius: 99px; background: #fff; box-shadow: 0 0 0 1px var(--c-line); font-size: var(--fs-sm); font-weight: 600; color: var(--hl-navy); }
.hl-kicker .icon { width: 1rem; height: 1rem; color: var(--hl-blue); }
.hl-title { margin: 0 0 1rem; font-family: "Fraunces", Georgia, serif; font-size: clamp(2.125rem, 5vw, 3.75rem); font-weight: 500; line-height: 1.05; letter-spacing: -.02em; color: var(--hl-navy); }
.hl-title em { font-style: italic; color: var(--hl-blue); }
.hl-lead { max-width: 34rem; margin: 0 0 1.75rem; font-size: clamp(1rem, 1.6vw, 1.1875rem); line-height: 1.6; color: var(--c-text); }
.hl-hero-actions { display: flex; flex-wrap: wrap; gap: .75rem; margin-bottom: 1.75rem; }
.hl-points { display: grid; gap: .5rem; margin: 0; padding: 0; list-style: none; font-size: var(--fs-md); color: var(--c-text); }
.hl-points li { display: flex; align-items: center; gap: .5rem; }
.hl-points .icon { flex: none; width: 1.125rem; height: 1.125rem; padding: .1875rem; border-radius: 50%; background: var(--c-green-soft); color: var(--hl-green); }

.hl-hero-art { position: relative; max-width: 30rem; margin-inline: auto; width: 100%; }
.hl-house { display: block; width: 100%; height: auto; filter: drop-shadow(0 2rem 2.5rem rgba(20, 33, 58, .18)); }
.hl-float { position: absolute; padding: .875rem 1.125rem; border-radius: 1rem; background: rgba(255, 255, 255, .92); backdrop-filter: blur(10px); box-shadow: 0 1rem 2.5rem -1rem rgba(20, 33, 58, .4), 0 0 0 1px rgba(255, 255, 255, .7); }
.hl-float-emi { left: -1rem; bottom: 12%; display: grid; gap: .125rem; }
.hl-float-emi span { font-size: var(--fs-xs); color: var(--c-muted); }
.hl-float-emi b { font-size: 1.5rem; font-weight: 700; color: var(--hl-navy); font-variant-numeric: tabular-nums; }
.hl-float-emi small { font-size: var(--fs-xs); color: var(--c-muted); }
.hl-float-ok { right: -.75rem; top: 42%; display: flex; align-items: center; gap: .5rem; font-size: var(--fs-sm); color: var(--hl-navy); }
.hl-float-icon { display: grid; place-items: center; width: 2rem; height: 2rem; border-radius: 50%; background: var(--c-green-soft); color: var(--hl-green); }
.hl-float-icon .icon { width: 1rem; height: 1rem; }

/* ---------- Lead form ---------- */
.hl-lead-wrap { display: grid; grid-template-columns: minmax(0, .85fr) minmax(0, 1.15fr); gap: clamp(2rem, 5vw, 4rem); align-items: start; scroll-margin-top: 5rem; }
.hl-lead-intro > p { margin: 0 0 1.5rem; font-size: var(--fs-base); line-height: 1.65; }
.hl-mini-steps { display: grid; gap: 1rem; margin: 0 0 1.75rem; padding: 0; list-style: none; }
.hl-mini-steps li { display: flex; gap: .875rem; }
.hl-mini-steps span .icon { width: 1.125rem; height: 1.125rem; }
.hl-mini-steps span { flex: none; display: grid; place-items: center; width: 2.25rem; height: 2.25rem; border-radius: .75rem; background: var(--hl-blue-soft); font-weight: 700; color: var(--hl-blue); }
.hl-mini-steps b { display: block; font-size: var(--fs-base); color: var(--c-ink); }
.hl-mini-steps small { font-size: var(--fs-sm); color: var(--c-muted); }
.hl-track-link { display: flex; align-items: center; gap: .5rem; font-size: var(--fs-md); }
.hl-track-link .icon { width: 1rem; height: 1rem; color: var(--hl-blue); }
.hl-track-link a, .hl-consent a, .hl-faq-intro a { color: var(--hl-blue); text-decoration: underline; text-underline-offset: 2px; }

.hl-form-card { padding: clamp(1.25rem, 3vw, 2rem); background: linear-gradient(180deg, #f6f9fd 0%, #fff 14rem); }
.hl-form-title { margin: 0 0 1rem; font-size: var(--fs-lg); font-weight: 600; color: var(--c-ink); }
.hl-form { display: grid; gap: 1rem; }
.hl-row { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; }
.hl-fieldset { margin: 0; padding: 0; border: 0; }
.hl-fieldset legend { margin-bottom: .5rem; padding: 0; font-size: var(--fs-sm); font-weight: 500; color: var(--c-ink); }
.hl-fieldset .choice input:checked + span { border-color: var(--hl-navy); background: var(--hl-navy); }
.hl-words:empty { display: none; }
.hl-words { display: block; min-height: 1em; margin-top: .25rem; font-size: var(--fs-xs); color: var(--hl-blue); }
.hl-consent { display: flex; gap: .625rem; align-items: flex-start; font-size: var(--fs-sm); line-height: 1.5; color: var(--c-text); cursor: pointer; }
.hl-consent input { flex: none; width: 1.125rem; height: 1.125rem; margin-top: .125rem; accent-color: var(--hl-navy); }
.hl-consent[aria-invalid="true"] span { color: #b3261e; }
.hl-lender-pick { display: flex; align-items: center; gap: .5rem; margin: 0; padding: .625rem .75rem; border-radius: .75rem; background: var(--hl-blue-soft); font-size: var(--fs-sm); color: var(--hl-navy); }
.hl-lender-pick .icon { width: 1rem; height: 1rem; }
.hl-lender-pick button { margin-left: auto; font-size: var(--fs-xs); }
.hl-lender-pick[hidden] { display: none; }

.hl-done { display: grid; justify-items: center; gap: .25rem; padding: 1rem 0; text-align: center; }
.hl-done h3 { margin: .75rem 0 .5rem; font-size: var(--fs-xl); color: var(--c-ink); }
.hl-done p { margin: 0; max-width: 28rem; font-size: var(--fs-md); line-height: 1.6; }
.hl-done-mark { display: grid; place-items: center; width: 3.5rem; height: 3.5rem; border-radius: 50%; background: var(--c-green-soft); color: var(--hl-green); }
.hl-done-mark .icon { width: 1.75rem; height: 1.75rem; }
.hl-code { margin: .25rem 0 .875rem !important; padding: .5rem 1rem; border: 1px dashed var(--hl-blue); border-radius: .75rem; background: var(--hl-blue-soft); font: 700 1.375rem/1.2 ui-monospace, SFMono-Regular, Menlo, monospace; letter-spacing: .06em; color: var(--hl-navy); }
.hl-done-actions { display: flex; flex-wrap: wrap; justify-content: center; gap: .625rem; margin-top: 1.25rem; }

/* ---------- How it works ---------- */
.hl-how { padding-block: clamp(3rem, 7vw, 5rem); background: radial-gradient(40rem 20rem at 100% 0%, rgba(47, 111, 179, .35), transparent 70%), linear-gradient(160deg, var(--hl-navy) 0%, var(--hl-navy-2) 100%); color: rgba(255, 255, 255, .75); }
.hl-how .hl-h2 { color: #fff; }
.hl-steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.25rem; margin: 2rem 0 0; padding: 0; list-style: none; counter-reset: none; }
.hl-steps li { position: relative; padding: 1.75rem 1.5rem; border: 1px solid rgba(255, 255, 255, .12); border-radius: var(--hl-radius); background: rgba(255, 255, 255, .05); backdrop-filter: blur(6px); }
.hl-steps em { position: absolute; top: 1.25rem; right: 1.5rem; font: italic 500 2.25rem/1 "Fraunces", Georgia, serif; color: rgba(240, 201, 135, .45); }
.hl-steps h3 { margin: 1rem 0 .5rem; font-size: var(--fs-lg); font-weight: 600; color: #fff; }
.hl-steps p { margin: 0; font-size: var(--fs-md); line-height: 1.6; }
.hl-step-icon { display: grid; place-items: center; width: 2.75rem; height: 2.75rem; border-radius: .875rem; background: var(--hl-gold); color: var(--hl-navy); }
.hl-step-icon .icon { width: 1.25rem; height: 1.25rem; }

/* ---------- Lenders ---------- */
.hl-head { display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between; gap: 1rem; margin-bottom: 1.75rem; }
.hl-head > p { max-width: 26rem; margin: 0; font-size: var(--fs-md); color: var(--c-muted); }
.hl-lenders { display: grid; grid-template-columns: repeat(auto-fill, minmax(15rem, 1fr)); gap: 1.25rem; margin: 0; padding: 0; list-style: none; }
.hl-lender { display: flex; flex-direction: column; gap: .875rem; padding: 1.375rem; transition: transform .25s var(--ease-out), box-shadow .25s; }
.hl-lender:hover { transform: translateY(-3px); box-shadow: 0 1.75rem 3rem -2rem rgba(20, 33, 58, .55); }
.hl-lender-top { display: flex; align-items: center; justify-content: space-between; min-height: 3rem; }
.hl-lender-top img { max-width: 8rem; max-height: 3rem; object-fit: contain; }
.hl-lender-mono { display: grid; place-items: center; width: 3rem; height: 3rem; border-radius: .875rem; background: var(--hl-blue-soft); font-weight: 700; color: var(--hl-blue); }
.hl-tag { padding: .25rem .625rem; border-radius: 99px; background: var(--c-green-soft); font-size: var(--fs-xs); font-weight: 600; color: var(--hl-green); }
.hl-lender h3 { margin: 0; font-size: var(--fs-lg); color: var(--c-ink); }
.hl-lender dl { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; margin: 0; }
.hl-lender dt { font-size: var(--fs-xs); color: var(--c-muted); }
.hl-lender dd { margin: .125rem 0 0; font-size: var(--fs-md); font-weight: 600; color: var(--c-ink); }
.hl-lender-note { margin: 0; font-size: var(--fs-sm); color: var(--c-muted); }
.hl-lender .btn { margin-top: auto; }
.hl-disclaimer { display: flex; gap: .5rem; align-items: flex-start; margin: 1.25rem 0 0; font-size: var(--fs-sm); line-height: 1.5; color: var(--c-muted); }
.hl-disclaimer .icon { flex: none; width: 1rem; height: 1rem; margin-top: .125rem; color: var(--hl-blue); }

/* ---------- Calculators ---------- */
.hl-calcs { display: grid; gap: 1.5rem; }
.hl-calc { padding: clamp(1.25rem, 3vw, 2rem); scroll-margin-top: 5rem; }
.hl-calc-head { display: flex; gap: .875rem; align-items: center; margin-bottom: 1.5rem; }
.hl-calc-head p { margin: .125rem 0 0; font-size: var(--fs-sm); color: var(--c-muted); }
.hl-calc-icon { flex: none; display: grid; place-items: center; width: 2.75rem; height: 2.75rem; border-radius: .875rem; background: var(--hl-blue-soft); color: var(--hl-blue); }
.hl-calc-icon.is-green { background: var(--c-green-soft); color: var(--hl-green); }
.hl-calc-icon .icon { width: 1.25rem; height: 1.25rem; }
.hl-calc-body { display: grid; grid-template-columns: minmax(0, 1.2fr) minmax(0, 1fr); gap: clamp(1.5rem, 4vw, 3rem); align-items: center; }
.hl-inputs { display: grid; gap: 1.375rem; }
.hl-range { display: grid; grid-template-columns: 1fr auto; align-items: center; gap: .5rem .75rem; }
.hl-range label { font-size: var(--fs-sm); font-weight: 500; color: var(--c-ink); }
.hl-range input[type="range"], .hl-range .hl-words { grid-column: 1 / -1; }
.hl-num { display: inline-flex; align-items: center; gap: .25rem; height: 2.375rem; padding: 0 .625rem; border: 1px solid var(--c-line); border-radius: .625rem; background: var(--hl-cream); }
.hl-num:focus-within { border-color: var(--hl-blue); box-shadow: 0 0 0 3px var(--hl-ring); }
.hl-num i { font-style: normal; font-size: var(--fs-sm); color: var(--c-muted); }
.hl-num input { width: 7.5rem; border: 0; background: none; text-align: right; font-size: var(--fs-base); font-weight: 600; color: var(--c-ink); font-variant-numeric: tabular-nums; outline: 0; }
.hl-num input#emiRate, .hl-num input#emiYears { width: 3.5rem; }
.hl-range input[type="range"] { width: 100%; height: 1.5rem; margin: 0; background: none; accent-color: var(--hl-navy); cursor: pointer; }

.hl-result { padding: 1.25rem; border-radius: 1rem; background: var(--hl-cream); }
.hl-result-label { margin: 0; font-size: var(--fs-sm); color: var(--c-muted); }
.hl-big { margin: .25rem 0 1rem; font-size: clamp(1.875rem, 4vw, 2.5rem); font-weight: 700; line-height: 1.1; color: var(--hl-navy); font-variant-numeric: tabular-nums; }
.hl-donut-wrap { display: grid; grid-template-columns: 6.5rem 1fr; gap: 1rem; align-items: center; }
.hl-donut { width: 6.5rem; height: 6.5rem; transform: rotate(-90deg); }
.hl-donut circle[data-donut] { transition: stroke-dasharray .4s var(--ease-out); }
.hl-split { display: grid; gap: .5rem; margin: 0; }
.hl-split div { display: flex; justify-content: space-between; gap: .5rem; font-size: var(--fs-sm); }
.hl-split dt { display: flex; align-items: center; gap: .375rem; color: var(--c-muted); }
.hl-split dd { margin: 0; font-weight: 600; color: var(--c-ink); font-variant-numeric: tabular-nums; }
.hl-split i { width: .625rem; height: .625rem; border-radius: 50%; }
.hl-split .is-principal { background: var(--hl-blue); }
.hl-split .is-interest { background: var(--hl-gold); }
.hl-split .is-total { padding-top: .5rem; border-top: 1px solid var(--c-line); }
.hl-split .is-total dd { color: var(--hl-navy); }

.hl-elig-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: .875rem 1rem; }
.hl-elig-out { display: grid; grid-template-columns: 1fr 1fr; max-width: 40rem; gap: .75rem; margin-top: 1.25rem; }
.hl-elig-out div { padding: 1rem; border-radius: 1rem; background: var(--c-green-soft); }
.hl-elig-out div + div { background: var(--hl-cream); }
.hl-elig-out span { display: block; font-size: var(--fs-xs); color: var(--c-muted); }
.hl-elig-out b { display: block; margin-top: .25rem; font-size: clamp(1.25rem, 2.6vw, 1.625rem); color: var(--hl-navy); font-variant-numeric: tabular-nums; }
.hl-el-msg { margin: .75rem 0 0; font-size: var(--fs-sm); color: #9a5b00; }
.hl-calc > .btn { margin-top: 1.25rem; }

/* ---------- Track ---------- */
.hl-section:has(.hl-track) { padding-top: 0; }
.hl-track { display: flex; flex-wrap: wrap; align-items: center; gap: 1rem 1.25rem; padding: 1.25rem 1.5rem; border: 1px dashed var(--c-line-strong); border-radius: var(--hl-radius); background: var(--hl-cream); }
.hl-track > div { flex: 1 1 18rem; }
.hl-track p { margin: .25rem 0 0; font-size: var(--fs-sm); color: var(--c-muted); }

/* ---------- Callback ---------- */
.hl-callback { padding-block: clamp(3rem, 7vw, 5rem); background: radial-gradient(36rem 20rem at 0% 100%, rgba(240, 201, 135, .25), transparent 70%), linear-gradient(160deg, var(--hl-navy) 0%, var(--hl-navy-2) 100%); scroll-margin-top: 4rem; }
.hl-callback-grid { display: grid; grid-template-columns: 1fr minmax(0, 26rem); gap: clamp(2rem, 5vw, 4rem); align-items: center; }
.hl-callback .hl-h2 { color: #fff; }
.hl-callback-lead { max-width: 30rem; margin: 0; font-size: var(--fs-base); line-height: 1.65; color: rgba(255, 255, 255, .75); }
.hl-callback-card { padding: clamp(1.25rem, 3vw, 1.75rem); }

/* ---------- FAQ ---------- */
.hl-faq { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1.2fr); gap: clamp(2rem, 5vw, 4rem); align-items: start; }
.hl-faq-intro p { font-size: var(--fs-base); line-height: 1.65; }
.hl-faq-list { display: grid; gap: .75rem; }
.hl-qa { border: 1px solid var(--c-line); border-radius: 1rem; background: #fff; transition: border-color .2s, box-shadow .2s; }
.hl-qa[open] { border-color: #c9d9ec; box-shadow: 0 1rem 2rem -1.75rem rgba(20, 33, 58, .5); }
.hl-qa summary { position: relative; display: flex; justify-content: space-between; gap: 1rem; padding: 1.125rem 1.25rem; font-size: var(--fs-base); font-weight: 600; color: var(--c-ink); cursor: pointer; list-style: none; }
.hl-qa summary::-webkit-details-marker { display: none; }
.hl-qa summary span { flex: none; position: relative; width: 1.5rem; height: 1.5rem; border-radius: 50%; background: var(--hl-blue-soft); }
.hl-qa summary span::before, .hl-qa summary span::after { content: ""; position: absolute; inset: 50% auto auto 50%; width: .625rem; height: 2px; margin: -1px 0 0 -.3125rem; background: var(--hl-blue); transition: transform .2s; }
.hl-qa summary span::after { transform: rotate(90deg); }
.hl-qa[open] summary span::after { transform: rotate(0); }
.hl-qa p, .hl-qa ul { margin: 0 1.25rem 1rem; font-size: var(--fs-md); line-height: 1.65; }
.hl-qa ul { padding-left: 1.125rem; }

/* ---------- Trust ---------- */
.hl-trust { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; padding-bottom: clamp(2.5rem, 6vw, 4rem); }
.hl-trust > div { display: flex; gap: .75rem; padding: 1.125rem 1.25rem; border-radius: 1rem; background: var(--hl-cream); }
.hl-trust .icon { flex: none; width: 1.25rem; height: 1.25rem; color: var(--hl-blue); }
.hl-trust p { margin: 0; font-size: var(--fs-sm); line-height: 1.6; }
.hl-trust b { color: var(--c-ink); }

/* ---------- Mobile sticky CTA ---------- */
.hl-sticky { display: none; }

/* ---------- Application + status pages ---------- */
.hl-page { padding-block: clamp(1.5rem, 4vw, 3rem) clamp(3rem, 6vw, 4.5rem); background: radial-gradient(44rem 20rem at 100% 0%, rgba(47, 111, 179, .1), transparent 70%), var(--hl-cream); }
.hl-page-head { max-width: 46rem; margin-bottom: 1.75rem; }
.hl-page-head .breadcrumb { margin-bottom: 1.25rem; }
.hl-page-head p { margin: 0; font-size: var(--fs-base); line-height: 1.6; }
.hl-app { display: grid; grid-template-columns: minmax(0, 1fr) 20rem; gap: 1.5rem; align-items: start; }
.hl-app-form { display: grid; gap: 1.25rem; }
.hl-block { padding: clamp(1.25rem, 3vw, 1.75rem); }
.hl-block h2 { display: flex; align-items: center; gap: .625rem; margin: 0 0 1.125rem; font-size: var(--fs-lg); font-weight: 600; color: var(--c-ink); }
.hl-block h2 span { display: grid; place-items: center; width: 1.75rem; height: 1.75rem; border-radius: .5rem; background: var(--hl-blue-soft); font-size: var(--fs-sm); color: var(--hl-blue); }
.hl-grid3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1rem; }
.hl-grid3 .is-wide { grid-column: span 2; }
.hl-aside { position: sticky; top: 5.5rem; display: grid; gap: 1rem; }
.hl-aside .hl-card { padding: 1.25rem; }
.hl-aside h3 { margin: 0 0 .625rem; font-size: var(--fs-base); color: var(--c-ink); }
.hl-aside p, .hl-aside li { font-size: var(--fs-sm); line-height: 1.55; }
.hl-aside ul { margin: 0; padding-left: 1.125rem; }
.hl-meta { display: grid; gap: .5rem; margin: 0; }
.hl-meta div { display: flex; justify-content: space-between; gap: .75rem; font-size: var(--fs-sm); }
.hl-meta dt { color: var(--c-muted); }
.hl-meta dd { margin: 0; font-weight: 600; color: var(--c-ink); text-align: right; }
.hl-docs { display: grid; gap: .625rem; margin: 0 0 1rem; padding: 0; list-style: none; }
.hl-docs li { display: flex; align-items: center; gap: .75rem; padding: .625rem .75rem; border-radius: .75rem; background: var(--hl-cream); font-size: var(--fs-sm); }
.hl-docs li .icon { flex: none; width: 1.125rem; height: 1.125rem; color: var(--hl-green); }
.hl-docs small { display: block; color: var(--c-muted); }
.hl-upload-row { display: grid; grid-template-columns: 14rem 1fr auto; gap: .75rem; align-items: end; }
.hl-upload-row input[type="file"] { height: auto; padding: .5rem; font-size: var(--fs-sm); }
.hl-flash { margin: 0 0 1.25rem; padding: .75rem 1rem; border-radius: .75rem; background: var(--c-green-soft); font-size: var(--fs-md); color: var(--hl-green); }
.hl-flash.is-error { background: #fdecea; color: #b3261e; }
.hl-flash ul { margin: .25rem 0 0; padding-left: 1.125rem; }
.hl-submit-bar { display: flex; flex-wrap: wrap; align-items: center; gap: 1rem; }
.hl-submit-bar .hl-consent { flex: 1 1 20rem; }

.hl-status-card { max-width: 34rem; padding: clamp(1.25rem, 3vw, 2rem); }
.hl-status-card .hl-form { margin-top: 1rem; }
.hl-timeline { display: grid; gap: 0; margin: 1.25rem 0 0; padding: 0; list-style: none; }
.hl-timeline li { position: relative; display: flex; gap: .875rem; padding-bottom: 1.125rem; font-size: var(--fs-md); color: var(--c-muted); }
.hl-timeline li::before { content: ""; position: absolute; left: .6875rem; top: 1.5rem; bottom: 0; width: 2px; background: var(--c-line); }
.hl-timeline li:last-child::before { display: none; }
.hl-timeline i { flex: none; position: relative; z-index: 1; display: grid; place-items: center; width: 1.5rem; height: 1.5rem; border: 2px solid var(--c-line-strong); border-radius: 50%; background: #fff; }
.hl-timeline .is-done { color: var(--c-ink); }
.hl-timeline .is-done i { border-color: var(--hl-green); background: var(--hl-green); color: #fff; }
.hl-timeline .is-done::before { background: var(--hl-green); }
.hl-timeline .is-now { color: var(--c-ink); font-weight: 600; }
.hl-timeline .is-now i { border-color: var(--hl-blue); box-shadow: 0 0 0 4px var(--hl-ring); }
.hl-timeline .is-closed i { border-color: #b3261e; background: #b3261e; }
.hl-timeline .icon { width: .75rem; height: .75rem; }
.hl-timeline small { display: block; font-weight: 400; color: var(--c-muted); }

/* ---------- Responsive ---------- */
@media (max-width: 1079px) {
    .hl-app { grid-template-columns: 1fr; }
    .hl-aside { position: static; }
}
@media (max-width: 899px) {
    .hl-hero-grid, .hl-lead-wrap, .hl-callback-grid, .hl-faq { grid-template-columns: 1fr; }
    .hl-hero-art { max-width: 24rem; }
    .hl-float-emi { left: 0; }
    .hl-float-ok { right: 0; }
    .hl-steps { grid-template-columns: 1fr; }
    .hl-trust { grid-template-columns: 1fr; }
    .hl-elig-grid { grid-template-columns: 1fr 1fr; }
    .hl-grid3 { grid-template-columns: 1fr 1fr; }
    .hl-upload-row { grid-template-columns: 1fr; }
}
@media (max-width: 639px) {
    .hl-row, .hl-calc-body, .hl-elig-grid, .hl-grid3 { grid-template-columns: 1fr; }
    .hl-grid3 .is-wide { grid-column: auto; }
    .hl-hero-actions .btn { flex: 1 1 100%; }
    .hl-float-emi { padding: .625rem .875rem; }
    .hl-float-emi b { font-size: 1.25rem; }
    .hl-sticky {
        position: fixed; inset: auto 0 0 0; z-index: 40; display: block;
        padding: .625rem 1rem calc(.625rem + env(safe-area-inset-bottom));
        background: rgba(255, 255, 255, .94); backdrop-filter: blur(10px);
        box-shadow: 0 -.5rem 1.5rem -1rem rgba(20, 33, 58, .4);
        transition: transform .3s var(--ease-out);
    }
    .hl-sticky.is-hidden { transform: translateY(110%); }
    .hl { padding-bottom: 4.25rem; }
}
@media (prefers-reduced-motion: reduce) {
    .hl-lender, .hl-donut circle[data-donut], .hl-sticky { transition: none; }
}

/* ==========================================================================
   2026 redesign layer: site blue/violet palette, photo hero with floating
   cards, glance strip, photo-backed callback, scroll reveal (home-loan.js)
   ========================================================================== */
.hl { --hl-blue: #1d5eac; --hl-violet: #6a7cf0; --hl-navy: #0f1d36; --hl-ring: rgba(29, 94, 172, .18); }
.hl-btn-primary { background: linear-gradient(135deg, #12284a, var(--hl-blue)); box-shadow: 0 .75rem 1.5rem -1rem rgba(29, 94, 172, .8); }
.hl-btn-primary:hover { background: linear-gradient(135deg, var(--hl-blue), var(--hl-violet)); }
.hl .btn { transition: transform .2s, box-shadow .2s, background .2s; }
.hl .btn:hover { transform: translateY(-1px); }
.hl-h2 { font-family: inherit; font-weight: 700; letter-spacing: -.04em; }
.hl-eyebrow { font-size: .75rem; font-weight: 700; letter-spacing: .14em; }

/* Hero */
.hl-hero {
    position: relative;
    overflow: hidden;
    background:
        radial-gradient(42rem 26rem at 92% 10%, rgba(106, 124, 240, .18), transparent 70%),
        radial-gradient(36rem 24rem at 0% 0%, rgba(29, 94, 172, .12), transparent 70%),
        linear-gradient(180deg, #f6f9ff, #fff);
}
.hl-hero::before {
    content: "";
    position: absolute;
    inset: 0;
    background:
        linear-gradient(rgba(29, 94, 172, .05) 1px, transparent 1px) 0 0 / 3rem 3rem,
        linear-gradient(90deg, rgba(29, 94, 172, .05) 1px, transparent 1px) 0 0 / 3rem 3rem;
    -webkit-mask-image: radial-gradient(ellipse at 30% 30%, #000, transparent 70%);
    mask-image: radial-gradient(ellipse at 30% 30%, #000, transparent 70%);
    pointer-events: none;
}
.hl-hero-grid { position: relative; }
.hl-kicker { border: 1px solid #dbe6f5; box-shadow: 0 .5rem 1rem -.75rem rgba(15, 29, 54, .35); }
.hl-title { font-family: inherit; font-size: clamp(2.5rem, 5.4vw, 4.4rem); font-weight: 700; line-height: 1.02; letter-spacing: -.055em; color: #0c1626; }
.hl-title em { font-style: normal; background: linear-gradient(90deg, var(--hl-blue), var(--hl-violet)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hl-lead { font-size: 1.12rem; }
.hl-points .icon { background: #e3f5ec; color: #1f8a5b; }

.hl-hero-art { max-width: 34rem; padding: 1.5rem 0; }
.hl-hero-photo { position: relative; z-index: 1; margin: 0; overflow: hidden; border-radius: 2rem; box-shadow: 0 2.5rem 5rem -2rem rgba(15, 29, 54, .45); transform: rotate(1.5deg); animation: hlPhotoIn 1s cubic-bezier(.2, .7, .2, 1) both; }
.hl-hero-photo img { display: block; width: 100%; height: auto; aspect-ratio: 4 / 3; object-fit: cover; transform: scale(1.06); animation: hlZoom 14s ease-in-out infinite alternate; }
.hl-blob { position: absolute; z-index: 0; border-radius: 50%; filter: blur(30px); opacity: .7; animation: hlBlob 12s ease-in-out infinite alternate; }
.hl-blob.is-a { top: -6%; right: -8%; width: 16rem; height: 16rem; background: rgba(106, 124, 240, .45); }
.hl-blob.is-b { bottom: -8%; left: -6%; width: 14rem; height: 14rem; background: rgba(29, 94, 172, .35); animation-delay: -6s; }
.hl-float { z-index: 2; border: 1px solid rgba(255, 255, 255, .8); box-shadow: 0 1.25rem 2.5rem -1.25rem rgba(15, 29, 54, .45); animation: hlFloatIn .8s cubic-bezier(.2, .7, .2, 1) both, hlBob 5s ease-in-out infinite; }
.hl-float-emi { left: -1.75rem; bottom: 10%; min-width: 12rem; animation-delay: .5s, 1.3s; }
.hl-float-emi b { background: linear-gradient(90deg, #0c1626, var(--hl-blue)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hl-float-bar { display: block; height: .3rem; margin-top: .4rem; overflow: hidden; border-radius: 99px; background: #e3eaf5; }
.hl-float-bar i { display: block; width: 72%; height: 100%; border-radius: inherit; background: linear-gradient(90deg, var(--hl-blue), var(--hl-violet)); animation: hlBar 1.6s cubic-bezier(.2, .7, .2, 1) 1s both; }
.hl-float-ok { top: 14%; right: -1.25rem; animation-delay: .7s, 2s; }
.hl-float-rate { top: 52%; right: -1.75rem; display: flex; align-items: center; gap: .6rem; animation-delay: .9s, 2.6s; }
.hl-float-rate span:last-child { display: grid; line-height: 1.2; }
.hl-float-rate small { font-size: var(--fs-xs); color: var(--c-muted); }
.hl-float-rate b { color: var(--hl-navy); }
.hl-float-icon.is-gold { background: #fff1dc; color: #b86e00; }

/* At a glance */
.hl-glance { position: relative; z-index: 2; margin-top: -1.5rem; }
.hl-glance ul { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: .75rem; margin: 0; padding: 0; list-style: none; }
.hl-glance li { display: grid; grid-template-columns: auto 1fr; grid-template-rows: auto auto; column-gap: .9rem; align-items: center; padding: 1.1rem 1.25rem; border: 1px solid #e3eaf5; border-radius: 1.15rem; background: rgba(255, 255, 255, .92); backdrop-filter: blur(10px); box-shadow: 0 1.25rem 2.5rem -2rem rgba(15, 29, 54, .45); transition: transform .25s, box-shadow .25s; }
.hl-glance li:hover { transform: translateY(-3px); box-shadow: 0 1.5rem 2.75rem -1.75rem rgba(29, 94, 172, .5); }
.hl-glance span { grid-row: 1 / 3; display: grid; place-items: center; width: 2.75rem; height: 2.75rem; border-radius: .85rem; background: linear-gradient(135deg, var(--hl-blue), var(--hl-violet)); color: #fff; }
.hl-glance span .icon { width: 1.2rem; height: 1.2rem; }
.hl-glance b { font-size: 1.35rem; letter-spacing: -.03em; color: #0c1626; }
.hl-glance small { font-size: .8rem; color: var(--c-muted); }

/* Lead section photo */
.hl-lead-photo { position: relative; margin: 0 0 1.5rem; overflow: hidden; border-radius: 1.25rem; box-shadow: 0 1.5rem 3rem -2rem rgba(15, 29, 54, .5); }
.hl-lead-photo img { display: block; width: 100%; height: auto; aspect-ratio: 16 / 10; object-fit: cover; transition: transform .6s; }
.hl-lead-photo:hover img { transform: scale(1.04); }
.hl-lead-photo figcaption { position: absolute; left: .75rem; bottom: .75rem; display: inline-flex; align-items: center; gap: .4rem; padding: .45rem .8rem; border-radius: 99px; background: rgba(255, 255, 255, .92); backdrop-filter: blur(8px); font-size: .8rem; font-weight: 600; color: #0c1626; }
.hl-lead-photo figcaption .icon { width: 1rem; height: 1rem; color: #1f8a5b; }
.hl-mini-steps span { background: linear-gradient(135deg, var(--hl-blue), var(--hl-violet)); color: #fff; }
.hl-lead-wrap .hl-card { border-color: #e3eaf5; box-shadow: 0 2rem 4rem -2.5rem rgba(15, 29, 54, .45); }

/* How it works: connected steps */
.hl-how { background: radial-gradient(40rem 20rem at 100% 0%, rgba(106, 124, 240, .35), transparent 70%), radial-gradient(30rem 18rem at 0% 100%, rgba(29, 94, 172, .4), transparent 70%), var(--hl-navy); }
.hl-how .hl-eyebrow.is-light { color: #9cc1ef; }
.hl-steps { position: relative; }
.hl-steps::before { content: ""; position: absolute; top: 3.1rem; left: 8%; right: 8%; height: 2px; background: linear-gradient(90deg, rgba(156, 193, 239, .1), rgba(156, 193, 239, .5), rgba(156, 193, 239, .1)); }
.hl-steps li { background: rgba(255, 255, 255, .05); backdrop-filter: blur(6px); transition: transform .25s, border-color .25s, background .25s; }
.hl-steps li:hover { transform: translateY(-4px); border-color: rgba(156, 193, 239, .4); background: rgba(255, 255, 255, .08); }
.hl-step-icon { background: linear-gradient(135deg, var(--hl-blue), var(--hl-violet)) !important; color: #fff !important; box-shadow: 0 0 0 6px rgba(255, 255, 255, .06); }
.hl-steps em { font-family: inherit; font-style: normal; font-weight: 800; color: rgba(156, 193, 239, .35); }

/* Lenders + calculators */
.hl-lender { border-color: #e3eaf5; }
.hl-lender:hover { border-color: #bcd2ee; }
.hl-calcs .hl-card { border-color: #e3eaf5; box-shadow: 0 2rem 4rem -2.75rem rgba(15, 29, 54, .45); }
.hl-calc-icon { background: linear-gradient(135deg, var(--hl-blue), var(--hl-violet)) !important; color: #fff !important; }
.hl-calc-icon.is-green { background: linear-gradient(135deg, #1f8a5b, #46c086) !important; }
.hl input[type="range"] { accent-color: var(--hl-blue); }

/* Callback over a photo */
.hl-callback { position: relative; isolation: isolate; background: linear-gradient(110deg, rgba(10, 22, 42, .94) 0%, rgba(15, 29, 54, .86) 45%, rgba(29, 94, 172, .55) 100%), var(--hl-callback-photo) center / cover no-repeat; }
.hl-callback .hl-eyebrow.is-light { color: #9cc1ef; }
.hl-callback-card { border: 0; box-shadow: 0 2rem 4rem -2rem rgba(0, 0, 0, .6); }

/* FAQ + trust */
.hl-qa { border-color: #e3eaf5; }
.hl-qa[open] { border-color: #bcd2ee; background: linear-gradient(180deg, #f7faff, #fff); }
.hl-qa[open] summary span { background: var(--hl-blue); }
.hl-qa[open] summary span::before, .hl-qa[open] summary span::after { background: #fff; }
.hl-trust > div { border: 1px solid #e3eaf5; background: linear-gradient(135deg, #f6f9ff, #fff); }

/* Scroll reveal (armed by home-loan.js, so content shows without JS) */
.hl.is-motion [data-reveal] { opacity: 0; transform: translateY(1.75rem); transition: opacity .8s cubic-bezier(.2, .7, .2, 1), transform .8s cubic-bezier(.2, .7, .2, 1); }
.hl.is-motion [data-reveal].is-in { opacity: 1; transform: none; }
.hl.is-motion .hl-steps li, .hl.is-motion .hl-glance li, .hl.is-motion .hl-lender { opacity: 0; transform: translateY(1.25rem); transition: opacity .6s ease, transform .6s ease, border-color .25s, box-shadow .25s, background .25s; }
.hl.is-motion .is-in .hl-steps li, .hl.is-motion .is-in.hl-glance li, .hl.is-motion .is-in .hl-lender { opacity: 1; transform: none; }
.hl.is-motion .is-in .hl-steps li:nth-child(2), .hl.is-motion .is-in.hl-glance li:nth-child(2), .hl.is-motion .is-in .hl-lender:nth-child(2) { transition-delay: .12s; }
.hl.is-motion .is-in .hl-steps li:nth-child(3), .hl.is-motion .is-in.hl-glance li:nth-child(3), .hl.is-motion .is-in .hl-lender:nth-child(3) { transition-delay: .24s; }
.hl.is-motion .is-in.hl-glance li:nth-child(4), .hl.is-motion .is-in .hl-lender:nth-child(4) { transition-delay: .36s; }

@keyframes hlPhotoIn { from { opacity: 0; transform: rotate(4deg) translateY(1.5rem) scale(.96); } }
@keyframes hlZoom { to { transform: scale(1.14); } }
@keyframes hlBlob { 50% { transform: translate(-2rem, 1.5rem) scale(1.1); } 100% { transform: translate(1rem, -1rem) scale(.95); } }
@keyframes hlFloatIn { from { opacity: 0; transform: translateY(1rem) scale(.92); } }
@keyframes hlBob { 0%, 100% { translate: 0 0; } 50% { translate: 0 -6px; } }
@keyframes hlBar { from { width: 0; } }

@media (max-width: 1079px) {
    .hl-glance ul { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .hl-float-emi { left: -.5rem; }
    .hl-float-ok, .hl-float-rate { right: -.5rem; }
}
@media (max-width: 899px) {
    .hl-steps::before { display: none; }
    .hl-hero-art { max-width: 30rem; }
}
@media (max-width: 639px) {
    .hl-glance { margin-top: .5rem; }
    .hl-glance li { padding: .9rem; column-gap: .7rem; }
    .hl-glance span { width: 2.3rem; height: 2.3rem; }
    .hl-glance b { font-size: 1.1rem; }
    .hl-float-rate { display: none; }
    .hl-float-emi { left: .5rem; bottom: .75rem; min-width: 0; }
    .hl-float-ok { top: .75rem; right: .5rem; }
}
@media (prefers-reduced-motion: reduce) {
    .hl-hero-photo, .hl-hero-photo img, .hl-blob, .hl-float, .hl-float-bar i { animation: none !important; }
    .hl-hero-photo img { transform: none; }
}

/* ---------- Guide sections (includes/home-loan-guide.php) ---------- */
.hl-head { display: flex; flex-wrap: wrap; align-items: end; justify-content: space-between; gap: 1.5rem 3rem; margin-bottom: 2rem; }
.hl-head > p { max-width: 26rem; margin: 0; color: var(--c-muted); line-height: 1.6; }
.hl-type-icon { display: grid; place-items: center; width: 3rem; height: 3rem; border-radius: .95rem; background: linear-gradient(135deg, var(--hl-blue), var(--hl-violet)); color: #fff; box-shadow: 0 .75rem 1.25rem -.75rem rgba(29, 94, 172, .8); }
.hl-type-icon .icon { width: 1.3rem; height: 1.3rem; }

/* Loan types */
.hl-type-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; margin: 0; padding: 0; list-style: none; }
.hl-type-grid li { position: relative; display: flex; flex-direction: column; padding: 1.5rem; border: 1px solid #e3eaf5; border-radius: 1.25rem; background: linear-gradient(180deg, #fff, #f8fbff); overflow: hidden; transition: transform .25s, box-shadow .25s, border-color .25s; }
.hl-type-grid li::after { content: ""; position: absolute; right: -3rem; top: -3rem; width: 8rem; height: 8rem; border-radius: 50%; background: radial-gradient(circle, rgba(106, 124, 240, .14), transparent 70%); transition: transform .4s; }
.hl-type-grid li:hover { transform: translateY(-4px); border-color: #bcd2ee; box-shadow: 0 1.5rem 3rem -2rem rgba(29, 94, 172, .55); }
.hl-type-grid li:hover::after { transform: scale(1.6); }
.hl-type-grid h3 { margin: 1.25rem 0 .4rem; font-size: 1.12rem; color: #0c1626; }
.hl-type-grid p { flex: 1; margin: 0; font-size: .92rem; line-height: 1.6; color: var(--c-muted); }
.hl-type-grid a { display: inline-flex; align-items: center; gap: .35rem; margin-top: 1rem; font-weight: 700; font-size: .9rem; color: var(--hl-blue); }
.hl-type-grid a .icon { width: 1rem; height: 1rem; transition: transform .2s; }
.hl-type-grid li:hover a .icon { transform: translateX(3px); }

/* Journey timeline */
.hl-journey-steps { position: relative; display: grid; grid-template-columns: repeat(5, minmax(0, 1fr)); gap: 1rem; margin: 0; padding: 0; list-style: none; }
.hl-journey-steps::before { content: ""; position: absolute; top: 1.6rem; left: 10%; right: 10%; height: 2px; background: #e3eaf5; }
.hl-journey-steps::after { content: ""; position: absolute; top: 1.6rem; left: 10%; right: 10%; height: 2px; background: linear-gradient(90deg, var(--hl-blue), var(--hl-violet)); transform-origin: 0 50%; transition: transform 1.6s cubic-bezier(.6, 0, .2, 1) .2s; }
.hl.is-motion .hl-journey:not(.is-in) .hl-journey-steps::after { transform: scaleX(0); }
.hl-journey-steps li { position: relative; text-align: center; }
.hl-tl-dot { position: relative; z-index: 1; display: grid; place-items: center; width: 3.2rem; height: 3.2rem; margin: 0 auto 1rem; border: 4px solid #fff; border-radius: 50%; background: linear-gradient(135deg, var(--hl-blue), var(--hl-violet)); color: #fff; box-shadow: 0 .75rem 1.5rem -.75rem rgba(29, 94, 172, .8); }
.hl-tl-dot .icon { width: 1.2rem; height: 1.2rem; }
.hl-journey-steps small { font-size: .72rem; font-weight: 700; letter-spacing: .1em; text-transform: uppercase; color: var(--hl-blue); }
.hl-journey-steps h3 { margin: .25rem 0 .4rem; font-size: 1.02rem; color: #0c1626; }
.hl-journey-steps p { margin: 0; font-size: .86rem; line-height: 1.55; color: var(--c-muted); }
.hl.is-motion .hl-journey .hl-journey-steps li { opacity: 0; transform: translateY(1rem); transition: opacity .6s ease, transform .6s ease; transition-delay: calc(var(--i) * 180ms + 200ms); }
.hl.is-motion .hl-journey.is-in .hl-journey-steps li { opacity: 1; transform: none; }

/* Popular amounts */
.hl-amounts { padding-top: clamp(2rem, 5vw, 3rem); }
.hl-amounts-title { display: flex; flex-wrap: wrap; align-items: center; gap: .4rem .6rem; margin: 0 0 1rem; font-weight: 700; color: #0c1626; }
.hl-amounts-title .icon { width: 1.1rem; height: 1.1rem; color: var(--hl-blue); }
.hl-amounts-title small { font-weight: 500; color: var(--c-muted); }
.hl-amount-chips { display: grid; grid-template-columns: repeat(6, minmax(0, 1fr)); gap: .6rem; }
.hl-amount-chips button { display: grid; gap: .15rem; padding: .85rem 1rem; border: 1px solid #dbe6f5; border-radius: 1rem; background: #fff; font: inherit; text-align: left; cursor: pointer; transition: transform .2s, border-color .2s, box-shadow .2s, background .2s; }
.hl-amount-chips button:hover, .hl-amount-chips button.is-active { transform: translateY(-2px); border-color: var(--hl-blue); background: linear-gradient(180deg, #f3f7ff, #fff); box-shadow: 0 1rem 2rem -1.5rem rgba(29, 94, 172, .6); }
.hl-amount-chips button:focus-visible { outline: 3px solid var(--hl-ring); outline-offset: 2px; }
.hl-amount-chips b { font-size: 1.05rem; color: #0c1626; }
.hl-amount-chips span { font-size: .8rem; font-weight: 600; color: var(--hl-blue); }

/* Rate types */
.hl-rate-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1rem; }
.hl-rate-card { position: relative; padding: 1.75rem 1.5rem; border: 1px solid #e3eaf5; border-radius: 1.25rem; background: #fff; transition: transform .25s, box-shadow .25s; }
.hl-rate-card:hover { transform: translateY(-4px); box-shadow: 0 1.5rem 3rem -2rem rgba(15, 29, 54, .5); }
.hl-rate-card.is-popular { border-color: transparent; background: linear-gradient(#fff, #fff) padding-box, linear-gradient(135deg, var(--hl-blue), var(--hl-violet)) border-box; border: 2px solid transparent; box-shadow: 0 1.5rem 3rem -2rem rgba(29, 94, 172, .6); }
.hl-rate-tag { position: absolute; top: -.75rem; right: 1.25rem; padding: .25rem .7rem; border-radius: 99px; background: linear-gradient(135deg, var(--hl-blue), var(--hl-violet)); color: #fff; font-size: .72rem; font-weight: 700; }
.hl-rate-card h3 { margin: 1.1rem 0 .4rem; font-size: 1.2rem; color: #0c1626; }
.hl-rate-card > p { margin: 0 0 1rem; font-size: .92rem; line-height: 1.6; color: var(--c-muted); }
.hl-rate-card ul { display: grid; gap: .5rem; margin: 0; padding: 1rem 0 0; border-top: 1px dashed #dbe6f5; list-style: none; }
.hl-rate-card li { display: flex; gap: .5rem; font-size: .9rem; color: var(--c-ink); }
.hl-rate-card li .icon { flex: none; width: 1.1rem; height: 1.1rem; padding: .15rem; border-radius: 50%; background: #e3f5ec; color: #1f8a5b; }

/* Borrow limits + tax */
.hl-borrow { display: grid; grid-template-columns: minmax(0, 1.15fr) minmax(0, .85fr); gap: 1rem; }
.hl-ltv, .hl-tax { padding: clamp(1.5rem, 3vw, 2rem); }
.hl-ltv > p:not(.hl-eyebrow), .hl-tax > p:not(.hl-eyebrow) { color: var(--c-muted); }
.hl-ltv-bars { display: grid; gap: 1rem; margin: 1.25rem 0 0; padding: 0; list-style: none; }
.hl-ltv-bars li { display: grid; grid-template-columns: 1fr auto; gap: .35rem .75rem; align-items: center; }
.hl-ltv-bars span { font-weight: 600; color: #0c1626; }
.hl-ltv-bars b { font-size: 1.2rem; color: var(--hl-blue); }
.hl-ltv-bars i { grid-column: 1 / -1; display: block; height: .7rem; border-radius: 99px; background: #e8eef7; overflow: hidden; }
.hl-ltv-bars i i { width: var(--pct); height: 100%; background: linear-gradient(90deg, var(--hl-blue), var(--hl-violet)); transition: width 1.2s cubic-bezier(.2, .7, .2, 1); transition-delay: calc(var(--i) * 150ms + 200ms); }
.hl.is-motion .hl-borrow:not(.is-in) .hl-ltv-bars i i { width: 0; }
.hl-ltv-bars small { grid-column: 1 / -1; font-size: .8rem; color: var(--c-muted); }
.hl-tax { background: radial-gradient(18rem 12rem at 100% 0, rgba(106, 124, 240, .3), transparent 70%), var(--hl-navy); border: 0; color: rgba(255, 255, 255, .72); }
.hl-tax .hl-eyebrow { color: #9cc1ef; }
.hl-tax .hl-h3 { color: #fff; }
.hl-tax-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; margin: 1.25rem 0 1rem; }
.hl-tax-grid div { display: grid; gap: .2rem; padding: 1rem; border: 1px solid rgba(255, 255, 255, .14); border-radius: 1rem; background: rgba(255, 255, 255, .06); }
.hl-tax-grid span { font-size: .78rem; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: #9cc1ef; }
.hl-tax-grid b { font-size: 1.6rem; letter-spacing: -.03em; color: #fff; }
.hl-tax-grid small { font-size: .8rem; line-height: 1.45; }
.hl-tax .hl-disclaimer { color: rgba(255, 255, 255, .6); }

/* Documents */
.hl-doc-card { padding: clamp(1.25rem, 3vw, 2rem); }
.hl-tabs { display: inline-flex; flex-wrap: wrap; gap: .35rem; margin-bottom: 1.5rem; padding: .35rem; border-radius: 1rem; background: #eef3fa; }
.hl-tabs button { display: inline-flex; align-items: center; gap: .45rem; padding: .6rem 1.1rem; border: 0; border-radius: .75rem; background: transparent; font: inherit; font-weight: 600; color: var(--c-muted); cursor: pointer; transition: background .2s, color .2s, box-shadow .2s; }
.hl-tabs button .icon { width: 1rem; height: 1rem; }
.hl-tabs button[aria-selected="true"] { background: #fff; color: var(--hl-blue); box-shadow: 0 .5rem 1rem -.75rem rgba(15, 29, 54, .5); }
.hl-tabs button:focus-visible { outline: 3px solid var(--hl-ring); }
.hl-doc-list { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .65rem 1.5rem; margin: 0; padding: 0; list-style: none; animation: hlTab .35s ease; }
.hl-doc-list[hidden] { display: none; }
.hl-doc-list li { display: flex; gap: .6rem; padding: .75rem .9rem; border: 1px solid #e8eef7; border-radius: .85rem; background: #fafcff; line-height: 1.45; color: var(--c-ink); }
.hl-doc-list .icon { flex: none; width: 1.15rem; height: 1.15rem; color: #1f8a5b; }
@keyframes hlTab { from { opacity: 0; transform: translateY(.4rem); } }

/* Costs + tips */
.hl-plan { display: grid; grid-template-columns: minmax(0, .9fr) minmax(0, 1.1fr); gap: clamp(2rem, 5vw, 4rem); }
.hl-cost-list { display: grid; gap: .75rem; margin: 1.25rem 0 0; padding: 0; list-style: none; counter-reset: cost; }
.hl-cost-list li { position: relative; padding: 1rem 1rem 1rem 3.5rem; border: 1px solid #e3eaf5; border-radius: 1rem; background: #fff; counter-increment: cost; }
.hl-cost-list li::before { content: counter(cost); position: absolute; top: 1rem; left: 1rem; display: grid; place-items: center; width: 1.8rem; height: 1.8rem; border-radius: 50%; background: var(--hl-navy); color: #fff; font-size: .8rem; font-weight: 700; }
.hl-cost-list b { color: #0c1626; }
.hl-cost-list p { margin: .2rem 0 0; font-size: .9rem; line-height: 1.55; color: var(--c-muted); }
.hl-tip-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: .75rem; margin: 1.25rem 0 0; padding: 0; list-style: none; }
.hl-tip-grid li { padding: 1.1rem; border-radius: 1rem; background: linear-gradient(135deg, #f3f7ff, #fff); border: 1px solid #e3eaf5; transition: transform .25s, border-color .25s; }
.hl-tip-grid li:hover { transform: translateY(-3px); border-color: #bcd2ee; }
.hl-tip-grid em { display: block; font-style: normal; font-weight: 800; font-size: 1.4rem; letter-spacing: -.03em; background: linear-gradient(90deg, var(--hl-blue), var(--hl-violet)); -webkit-background-clip: text; background-clip: text; color: transparent; }
.hl-tip-grid b { display: block; margin: .25rem 0; color: #0c1626; }
.hl-tip-grid p { margin: 0; font-size: .88rem; line-height: 1.55; color: var(--c-muted); }

/* Staggered entry for the new grids */
.hl.is-motion .hl-type-grid li, .hl.is-motion .hl-rate-card, .hl.is-motion .hl-tip-grid li { opacity: 0; transform: translateY(1.25rem); transition: opacity .6s ease, transform .6s ease, box-shadow .25s, border-color .25s; }
.hl.is-motion .is-in .hl-type-grid li, .hl.is-motion .is-in .hl-rate-card, .hl.is-motion .is-in .hl-tip-grid li { opacity: 1; transform: none; }
.hl.is-motion .is-in .hl-type-grid li { transition-delay: calc(var(--i) * 90ms); }
.hl.is-motion .is-in .hl-rate-card:nth-child(2), .hl.is-motion .is-in .hl-tip-grid li:nth-child(2) { transition-delay: .12s; }
.hl.is-motion .is-in .hl-rate-card:nth-child(3), .hl.is-motion .is-in .hl-tip-grid li:nth-child(3) { transition-delay: .24s; }
.hl.is-motion .is-in .hl-tip-grid li:nth-child(4) { transition-delay: .3s; }
.hl.is-motion .is-in .hl-tip-grid li:nth-child(5) { transition-delay: .36s; }
.hl.is-motion .is-in .hl-tip-grid li:nth-child(6) { transition-delay: .42s; }

@media (max-width: 1079px) {
    .hl-type-grid, .hl-rate-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .hl-amount-chips { grid-template-columns: repeat(3, minmax(0, 1fr)); }
    .hl-journey-steps { grid-template-columns: 1fr; gap: 1.25rem; }
    .hl-journey-steps::before, .hl-journey-steps::after { top: 1.6rem; bottom: 1.6rem; left: 1.6rem; right: auto; width: 2px; height: auto; }
    .hl-journey-steps::after { transform-origin: 50% 0; }
    .hl.is-motion .hl-journey:not(.is-in) .hl-journey-steps::after { transform: scaleY(0); }
    .hl-journey-steps li { display: grid; grid-template-columns: 3.2rem 1fr; column-gap: 1rem; text-align: left; }
    .hl-tl-dot { grid-row: 1 / 4; margin: 0; }
    .hl-borrow, .hl-plan { grid-template-columns: 1fr; }
}
@media (max-width: 639px) {
    .hl-head { flex-direction: column; align-items: flex-start; }
    .hl-type-grid, .hl-rate-grid, .hl-doc-list, .hl-tip-grid { grid-template-columns: 1fr; }
    .hl-amount-chips { grid-template-columns: repeat(2, minmax(0, 1fr)); }
    .hl-tax-grid { grid-template-columns: 1fr; }
    .hl-tabs { display: flex; width: 100%; }
    .hl-tabs button { flex: 1; justify-content: center; padding: .55rem .5rem; font-size: .85rem; }
}
@media (prefers-reduced-motion: reduce) {
    .hl-journey-steps::after, .hl-ltv-bars i i, .hl-doc-list { transition: none; animation: none; }
}