:root {
  --navy: #01092d;
  --navy-2: #032c7b;
  --blue: #0464de;
  --gold: #f4c04d;
  --cream: #f1f8ff;
  --ink: #01092d;
  --muted: #52627a;
  --line: #d7e4f2;
  --shadow: 0 18px 50px rgba(1, 9, 45, .16);
}

.hero-overlay {
  background: linear-gradient(90deg, rgba(1, 9, 45, .96) 0%, rgba(3, 44, 123, .82) 42%, rgba(4, 100, 222, .12) 76%);
}

.eyebrow,
.eyebrow.gold,
h1 span {
  color: var(--gold);
}

.eyebrow.dark,
.use-grid article > span {
  color: var(--blue);
}

.button.primary {
  color: #fff;
  background: var(--blue);
  box-shadow: 0 8px 24px rgba(1, 9, 45, .2);
}

.button.primary:hover {
  background: var(--navy-2);
}

.button.primary:focus-visible,
.nav-cta:focus-visible,
.text-button:focus-visible,
.button.light:focus-visible {
  outline: 3px solid var(--gold);
  outline-offset: 3px;
}

.trust-strip {
  background: linear-gradient(90deg, #f1f8ff, #fff8e8);
  border-bottom-color: var(--line);
}

.uses {
  background: #eef5ff;
}

.use-grid article {
  border-top-color: var(--blue);
  box-shadow: 0 6px 25px rgba(1, 9, 45, .07);
}

.range-row input {
  accent-color: var(--blue);
}

.result {
  border-left-color: var(--blue);
  background: #f1f8ff;
}

.about {
  background: linear-gradient(135deg, #f1f8ff 0%, #fff8e8 100%);
}

.quote-mark {
  color: rgba(4, 100, 222, .14);
}

.site-footer {
  color: #c5d2e5;
  background: var(--navy);
}

.site-footer .legal {
  color: #91a6c6;
  border-top-color: #16346b;
}

.credentials {
  padding: 52px clamp(22px, 3.25vw, 52px);
  background: #fff;
  border-top: 1px solid var(--line);
}

.lenders {
  padding: 58px clamp(22px, 5vw, 78px) 64px;
  background: #20242e;
  color: #fff;
}

.lenders-inner { max-width: 1450px; margin: 0 auto; }
.lenders h2 { font-size: clamp(28px, 3vw, 40px); margin: 0 0 24px; text-align: center; letter-spacing: -.035em; }
.lenders-scroll { overflow-x: auto; scrollbar-color: var(--gold) #20242e; }
.lenders-row { --strip-width: 1250px; display: flex; align-items: center; gap: 14px; width: max-content; min-width: 100%; justify-content: center; }
.lenders-main, .lenders-cmi { display: block; flex: 0 0 auto; height: 102px; background-image: url('lender-logos.png'); background-size: var(--strip-width) 102px; background-repeat: no-repeat; }
.lenders-main { width: 1069px; background-position: left center; }
.lenders-cmi { width: 181px; background-position: right center; }
.lenders-scroll:focus-visible { outline: 3px solid var(--gold); outline-offset: 5px; }
.lender-home-trust { display: block; flex: 0 0 168px; width: 168px; height: auto; filter: grayscale(1) invert(1); mix-blend-mode: screen; }
.conversation .conversation-promise { max-width: 720px; margin: 0 auto 30px; color: #fff; font-size: clamp(20px, 2.2vw, 28px); font-weight: 700; line-height: 1.35; }
.conversation .conversation-email { max-width: none; margin: 40px auto 8px; color: #d8e2e5; font-size: 16px; overflow-wrap: anywhere; }
.conversation-email a { color: #fff; text-decoration-color: var(--gold); text-underline-offset: 4px; }

@media (max-width: 700px) {
  .lenders { padding: 48px 20px 54px; }
  .lenders-row { min-width: 1450px; }
}

.credentials-inner {
  display: grid;
  grid-template-columns: 430px minmax(0, 1fr);
  align-items: stretch;
  gap: clamp(34px, 5vw, 76px);
  max-width: 1450px;
  margin: 0 auto;
}

.credentials-brand {
  display: flex;
  align-items: center;
  justify-content: center;
  padding-right: 38px;
  border-right: 1px solid var(--line);
}

.credentials-brand img {
  display: block;
  width: 100%;
  max-width: 410px;
  height: auto;
}

.site-header .logo-badge {
  z-index: 2;
  width: 210px;
  height: 180px;
  padding: 10px 13px 12px;
  transform: translateY(-24px);
}

@media (min-width: 851px) {
  .hero-content {
    padding-top: 185px;
  }
}

.credentials-content {
  display: grid;
  align-content: center;
  gap: 34px;
}

.credentials-profile {
  display: flex;
  align-items: center;
  justify-content: center;
  gap: 28px;
  margin: 0;
}

.credentials-headshot {
  flex: 0 0 auto;
  width: 138px;
  height: 138px;
  object-fit: cover;
  object-position: center 28%;
  border: 4px solid #fff;
  border-radius: 50%;
  box-shadow: 0 8px 28px rgba(1, 9, 45, .18);
}

.credentials-nameplate {
  width: min(755px, calc(100% - 166px));
  min-width: 0;
}

.credentials-name-line { display: flex; align-items: center; flex-wrap: wrap; column-gap: 20px; row-gap: 4px; line-height: 1.3; }
.credentials-original-name { display: inline-block; flex: 0 0 188px; width: 188px; height: 28px; background: url('jamie-credentials.png') no-repeat 0 -32px / 758px 101px; }
.credentials-name-line a { color: var(--blue); font-size: 15px; font-weight: 700; overflow-wrap: anywhere; text-underline-offset: 3px; }
.credentials-nameplate p { margin: 10px 0 0; color: #727272; font-size: 14px; font-weight: 700; line-height: 1.45; }
.credentials-name-line a:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }

.credentials-logos {
  display: grid;
  grid-template-columns: minmax(240px, 1fr) 180px minmax(320px, 1.45fr);
  align-items: center;
  gap: clamp(28px, 5vw, 72px);
  margin: 0;
}

.credentials-logos img {
  display: block;
  width: 100%;
  height: auto;
  max-height: 145px;
  margin: auto;
  object-fit: contain;
}

.credentials-logos .ccrmc-logo {
  max-width: 150px;
  max-height: 150px;
}

@media (max-width: 850px) {
  .site-header .logo-badge {
    width: 152px;
    height: 132px;
    padding: 8px 10px;
    transform: translateY(-14px);
  }

  .hero-content {
    padding-top: 125px;
  }

  .credentials-inner {
    grid-template-columns: 235px minmax(0, 1fr);
    gap: 28px;
  }

  .credentials-brand {
    padding-right: 24px;
  }

  .credentials-profile {
    align-items: flex-start;
    flex-direction: column;
    gap: 16px;
  }

  .credentials-nameplate {
    width: 100%;
  }

  .credentials-logos {
    grid-template-columns: 1fr 130px;
  }

  .credentials-logos .heb-logo {
    grid-column: 1 / -1;
    max-width: 560px;
  }
}

@media (max-width: 850px) {
  .hero-overlay {
    background: linear-gradient(90deg, rgba(1, 9, 45, .97), rgba(3, 44, 123, .72));
  }
}

@media (max-width: 560px) {
  .credentials-inner {
    grid-template-columns: 1fr;
  }

  .credentials-brand {
    padding: 0 0 34px;
    border-right: 0;
    border-bottom: 1px solid var(--line);
  }

  .credentials-brand img {
    width: 300px;
    max-width: 100%;
  }

  .credentials-profile {
    flex-direction: column;
    gap: 20px;
  }

  .credentials-nameplate {
    width: 100%;
  }

  .credentials-logos {
    grid-template-columns: 1fr;
    gap: 32px;
  }

  .credentials-logos .heb-logo {
    grid-column: auto;
  }

  .credentials-logos .olsi-logo,
  .credentials-logos .heb-logo {
    max-width: 420px;
  }
}