@font-face { font-family: Manrope; src: url('/assets/fonts/manrope-400.woff2') format('woff2'); font-weight: 400; font-style: normal; font-display: swap; }
@font-face { font-family: Manrope; src: url('/assets/fonts/manrope-700.woff2') format('woff2'); font-weight: 700; font-style: normal; font-display: swap; }
@font-face { font-family: Manrope; src: url('/assets/fonts/manrope-800.woff2') format('woff2'); font-weight: 800; font-style: normal; font-display: swap; }

:root { --green:#07594d; --deep:#043f37; --navy:#102f2b; --yellow:#f9cf3f; --cream:#f5f1e7; --mint:#e9f4ef; --line:#d9e3df; --text:#173e37; --muted:#5d716c; }
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; background: #fff; color: var(--text); font-family: Manrope, Arial, sans-serif; -webkit-font-smoothing: antialiased; }
a { color: var(--green); }
.skip-link { position: fixed; left: 12px; top: -60px; z-index: 100; padding: 12px 16px; background: #fff; color: var(--deep); font-weight: 800; }
.skip-link:focus { top: 12px; }
.legal-shell { width: min(1180px, calc(100% - 48px)); margin: 0 auto; }
.legal-header { position: sticky; top: 0; z-index: 20; min-height: 72px; display: flex; align-items: center; background: rgba(255,255,255,.97); border-bottom: 1px solid var(--line); backdrop-filter: blur(12px); }
.legal-header .legal-shell { display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.legal-brand { display: inline-flex; align-items: center; gap: 10px; color: var(--green); font-size: 20px; font-weight: 800; text-decoration: none; }
.legal-brand img { width: 36px; height: 36px; object-fit: contain; }
.legal-header nav { display: flex; align-items: center; gap: 26px; }
.legal-header nav a { color: var(--text); font-size: 13px; font-weight: 700; text-decoration: none; }
.legal-nav-toggle { display: none; min-width: 48px; min-height: 44px; padding: 7px 10px; border: 1px solid var(--line); border-radius: 6px; background: #fff; color: var(--deep); align-items: center; justify-content: center; flex-direction: column; gap: 4px; }
.legal-nav-toggle span { width: 22px; height: 2px; background: currentColor; transition: transform .2s, opacity .2s; }
.legal-nav-toggle b { position: absolute; width: 1px; height: 1px; overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; }
.legal-nav-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(6px) rotate(45deg); }
.legal-nav-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
.legal-nav-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-6px) rotate(-45deg); }
.nav-cta { display: inline-flex; min-height: 42px; align-items: center; justify-content: center; padding: 0 18px; border-radius: 6px; background: var(--yellow); color: #122e29 !important; font-weight: 800 !important; text-decoration: none; box-shadow: 0 3px 0 rgba(111,83,0,.18); }
.legal-hero { padding: 66px 0 58px; background: var(--deep); color: #fff; border-bottom: 8px solid var(--yellow); }
.legal-kicker { margin: 0 0 14px; color: var(--yellow); font-size: 12px; font-weight: 800; letter-spacing: .14em; text-transform: uppercase; }
.legal-hero h1 { max-width: 840px; margin: 0; font-size: clamp(38px, 5vw, 64px); line-height: 1.02; letter-spacing: -.045em; }
.legal-hero > .legal-shell > p:not(.legal-kicker) { max-width: 800px; margin: 22px 0 0; color: #dcebe6; font-size: 17px; line-height: 1.7; }
.effective { margin-top: 24px; color: #a9c9c0; font-size: 11px; font-weight: 700; letter-spacing: .04em; }
.legal-layout { display: grid; grid-template-columns: minmax(0, 1fr) 290px; align-items: start; gap: 64px; padding-top: 62px; padding-bottom: 76px; }
.legal-copy { min-width: 0; }
.legal-copy h2 { margin: 44px 0 13px; color: var(--navy); font-size: 25px; line-height: 1.2; letter-spacing: -.025em; }
.legal-copy h2:first-child { margin-top: 0; }
.legal-copy h3 { margin: 24px 0 9px; font-size: 17px; }
.legal-copy p, .legal-copy li { color: #405f59; font-size: 15px; line-height: 1.78; }
.legal-copy ul, .legal-copy ol { padding-left: 23px; }
.legal-copy li { margin: 7px 0; padding-left: 4px; }
.legal-copy a { font-weight: 700; text-underline-offset: 3px; }
.legal-aside { position: sticky; top: 100px; padding: 25px; background: var(--mint); border-top: 5px solid var(--green); box-shadow: 0 16px 45px rgba(5,63,53,.08); }
.legal-aside .aside-label { margin: 0 0 10px; color: var(--green); font-size: 10px; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.legal-aside h2 { margin: 0 0 12px; font-size: 21px; line-height: 1.25; }
.legal-aside p { margin: 0 0 16px; color: var(--muted); font-size: 13px; line-height: 1.65; }
.legal-aside a { font-size: 12px; font-weight: 800; text-decoration: none; }
.callout, .application-notice { margin: 32px 0; padding: 22px 24px; background: var(--cream); border-left: 5px solid var(--yellow); }
.callout strong, .application-notice strong { color: var(--navy); font-size: 16px; }
.callout p, .application-notice p { margin-bottom: 0; }
.contact-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.contact-grid section { padding: 24px; background: var(--mint); border: 1px solid #d5e9e1; }
.contact-grid h2 { margin-top: 0; font-size: 19px; }
.contact-grid p { margin-bottom: 0; font-size: 13px; }
.contact-link { font-size: 16px; font-weight: 800; overflow-wrap: anywhere; }
.cost-example { display: grid; grid-template-columns: repeat(4,1fr); gap: 1px; margin: 22px 0; background: var(--line); border: 1px solid var(--line); }
.cost-example div { padding: 18px; background: var(--mint); }
.cost-example small, .cost-example strong { display: block; }
.cost-example small { min-height: 34px; color: var(--muted); font-size: 10px; font-weight: 700; text-transform: uppercase; }
.cost-example strong { margin-top: 5px; color: var(--green); font-size: 24px; }
.application-notice { display: flex; align-items: center; justify-content: space-between; gap: 26px; margin-top: 0; }
.application-notice p { margin-top: 7px; }
.application-notice > a { flex: 0 0 auto; padding: 10px 13px; border: 1px solid var(--green); border-radius: 5px; text-decoration: none; }
.form-shell { width: 100%; min-height: 980px; margin: 24px 0 34px; overflow-x: auto; border: 1px solid var(--line); background: #fff; }
.form-shell iframe { display: block; width: 100% !important; max-width: 100% !important; border: 0 !important; }
.form-after { padding: 26px; background: var(--mint); }
.form-after h2 { margin-top: 0; }
.trust-grid { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 14px; }
.trust-card { min-width: 0; padding: 24px; display: flex; flex-direction: column; color: var(--text); text-decoration: none; border: 1px solid var(--line); background: #fff; transition: transform .18s ease, border-color .18s ease, box-shadow .18s ease; }
.trust-card.featured { background: var(--mint); border-top: 5px solid var(--green); }
.trust-card:hover { transform: translateY(-2px); border-color: #84aa9f; box-shadow: 0 14px 30px rgba(5,63,53,.08); }
.trust-card small, .complaint-routes small { color: var(--green); font-size: 9px; font-weight: 800; letter-spacing: .1em; text-transform: uppercase; }
.legal-copy .trust-card h2 { margin: 10px 0 8px; font-size: 20px; }
.trust-card p { margin: 0 0 18px; font-size: 12px; line-height: 1.6; }
.trust-card span { margin-top: auto; color: var(--green); font-size: 11px; font-weight: 800; }
.role-flow { margin: 24px 0 42px; display: grid; grid-template-columns: repeat(4,minmax(0,1fr)); gap: 1px; background: var(--line); border: 1px solid var(--line); }
.role-flow div { min-width: 0; padding: 18px; background: var(--mint); }
.role-flow b { width: 28px; height: 28px; display: grid; place-items: center; margin-bottom: 18px; border-radius: 50%; background: var(--yellow); color: var(--deep); }
.role-flow strong, .role-flow span { display: block; }
.role-flow strong { margin-bottom: 7px; font-size: 13px; }
.role-flow span { color: var(--muted); font-size: 10px; line-height: 1.5; }
.status-strip { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 1px; margin-bottom: 40px; background: var(--line); border: 1px solid var(--line); }
.status-strip div { min-width: 0; padding: 20px; background: var(--mint); }
.status-strip small, .status-strip strong { display: block; }
.status-strip small { min-height: 28px; color: var(--muted); font-size: 9px; font-weight: 800; letter-spacing: .06em; text-transform: uppercase; }
.status-strip strong { color: var(--deep); font-size: 15px; line-height: 1.35; }
.state-guide-grid { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 7px; margin-top: 22px; }
.state-guide-grid a { min-width: 0; min-height: 60px; padding: 12px 13px; display: flex; justify-content: space-between; align-items: center; gap: 8px; color: var(--deep); text-decoration: none; border: 1px solid var(--line); background: #fff; font-size: 11px; }
.state-guide-grid a:hover { background: var(--mint); border-color: #91b2a8; }
.state-guide-grid span { flex: 0 0 auto; color: var(--green); font-size: 8px; text-transform: uppercase; }
.complaint-routes { display: grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap: 14px; }
.complaint-routes section { min-width: 0; padding: 22px; background: var(--mint); border: 1px solid #d5e9e1; }
.legal-copy .complaint-routes h2 { margin: 9px 0; font-size: 18px; }
.complaint-routes p { margin: 0; font-size: 12px; line-height: 1.6; }
.legal-footer { background: var(--deep); color: #d6e5e0; }
.footer-trust { padding-top: 17px; padding-bottom: 17px; display: grid; grid-template-columns: repeat(4,1fr); border-bottom: 1px solid #31574f; }
.footer-trust a { min-width: 0; padding: 2px 18px; display: flex; align-items: center; gap: 10px; color: #fff; text-decoration: none; border-right: 1px solid #31574f; }
.footer-trust a:first-child { padding-left: 0; }
.footer-trust a:last-child { padding-right: 0; border-right: 0; }
.footer-trust .trust-icon { width: 27px; height: 27px; flex: 0 0 auto; display: grid; place-items: center; color: var(--deep); background: var(--yellow); border-radius: 50%; font-size: 14px; font-weight: 800; }
.footer-trust span,.footer-trust strong,.footer-trust small { display: block; min-width: 0; }
.footer-trust strong { color: #fff; font-size: 11px; line-height: 1.25; }
.footer-trust small { margin-top: 2px; color: #aac3bb; font-size: 9px; }
.footer-grid { display: grid; grid-template-columns: 1.7fr repeat(3,1fr); gap: 28px; padding-top: 27px; padding-bottom: 24px; }
.footer-company p { max-width: 360px; margin: 10px 0 0; color: #b9d0c8; font-size: 11px; line-height: 1.5; }
.footer-logo { color: #fff; }
.footer-grid h2 { margin: 4px 0 10px; color: var(--yellow); font-size: 12px; }
.footer-grid > div:not(.footer-company) { display: flex; flex-direction: column; align-items: flex-start; gap: 7px; }
.footer-grid > div > a { color: #d6e5e0; font-size: 11px; text-decoration: none; }
.footer-organizations { width: min(100% - 36px,1180px); margin: 0 auto; padding: 16px 0; display: grid; grid-template-columns: 1.25fr repeat(4,1fr); gap: 12px; align-items: stretch; border-top: 1px solid #31574f; }
.organization-heading { display: flex; flex-direction: column; justify-content: center; padding-right: 12px; }
.organization-heading strong { color: var(--yellow); font-size: 12px; }
.organization-heading small { max-width: 250px; margin-top: 4px; color: #91ada4; font-size: 8px; line-height: 1.45; }
.footer-organizations > a { min-width: 0; padding: 10px; display: flex; align-items: center; gap: 9px; border: 1px solid #41675f; border-radius: 7px; background: #0a3a33; color: #fff; text-decoration: none; transition: .2s; }
.footer-organizations > a:hover { transform: translateY(-2px); border-color: var(--yellow); background: #0d453c; }
.footer-organizations > a > span:last-child,.footer-organizations > a strong,.footer-organizations > a small { display: block; min-width: 0; }
.footer-organizations > a strong { font-size: 9px; line-height: 1.25; }
.footer-organizations > a small { margin-top: 2px; color: #a9c2ba; font-size: 7px; line-height: 1.3; }
.organization-mark { width: 38px; height: 38px; flex: 0 0 auto; display: grid; place-items: center; border-radius: 50%; background: #fff; color: #073d35; font-size: 9px; font-weight: 900; letter-spacing: -.3px; box-shadow: inset 0 0 0 2px #c5d7d1; }
.organization-mark.ola { color: #07584b; box-shadow: inset 0 0 0 3px #e8bd2c; }
.organization-mark.nmls { border-radius: 8px; background: #eaf4f1; }
.organization-mark.cfpb { background: #def1ec; color: #005a4e; }
.organization-mark.ftc { background: #e7edf7; color: #244b78; }
.footer-disclaimer { display: flex; align-items: flex-start; justify-content: space-between; gap: 30px; padding-top: 12px; padding-bottom: 13px; border-top: 1px solid #31574f; color: #aac3bb; font-size: 9px; line-height: 1.5; }
.footer-disclaimer p { max-width: 950px; margin: 0; }
.footer-disclaimer strong { color: #fff; }
.footer-disclaimer span { white-space: nowrap; }
.error-page { width: min(680px, calc(100% - 40px)); margin: 12vh auto; padding: 48px; background: var(--mint); border-top: 8px solid var(--yellow); }
.error-page .legal-kicker { margin-top: 42px; color: var(--green); }
.error-page h1 { margin: 0 0 14px; font-size: clamp(36px,7vw,60px); line-height: 1; }
.error-page p { margin: 0 0 26px; color: var(--muted); line-height: 1.7; }
a:focus-visible, button:focus-visible { outline: 3px solid #42a7ff; outline-offset: 3px; }

@media (max-width: 900px) {
  .legal-header .legal-shell { position: relative; gap: 14px; }
  .legal-nav-toggle { display: flex; margin-left: auto; }
  .legal-header nav { display: none; position: absolute; top: calc(100% + 13px); left: 0; right: 0; padding: 12px; align-items: stretch; flex-direction: column; gap: 2px; background: #fff; border: 1px solid var(--line); box-shadow: 0 18px 38px rgba(4,63,55,.18); }
  .legal-header nav.open { display: flex; }
  .legal-header nav a, .legal-header nav a:not(.nav-cta) { display: flex; min-height: 44px; padding: 0 13px; align-items: center; border-radius: 5px; }
  .legal-header nav a:hover { background: var(--mint); }
  .legal-header nav .nav-cta { margin-top: 6px; }
  .legal-layout { grid-template-columns: 1fr; gap: 24px; }
  .legal-aside { position: static; order: -1; }
  .footer-trust { grid-template-columns: 1fr 1fr; }
  .footer-trust a { padding: 10px 12px; border-bottom: 1px solid #31574f; }
  .footer-trust a:nth-child(2) { border-right: 0; }
  .footer-trust a:nth-child(n+3) { border-bottom: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-organizations { grid-template-columns: 1fr 1fr; }
  .organization-heading { grid-column: 1 / -1; }
  .cost-example { grid-template-columns: 1fr 1fr; }
  .role-flow { grid-template-columns: 1fr 1fr; }
  .state-guide-grid { grid-template-columns: 1fr 1fr; }
}
@media (max-width: 600px) {
  .legal-shell { width: min(100% - 30px, 1180px); }
  .legal-header { min-height: 62px; }
  .legal-brand { font-size: 17px; }
  .legal-brand img { width: 31px; height: 31px; }
  .legal-header nav .nav-cta { min-height: 42px; padding: 0 13px; font-size: 11px; }
  .legal-hero { padding: 48px 0 42px; }
  .legal-hero h1 { font-size: 39px; }
  .legal-hero > .legal-shell > p:not(.legal-kicker) { font-size: 14px; }
  .legal-layout { padding-top: 30px; padding-bottom: 48px; }
  .legal-copy h2 { margin-top: 35px; font-size: 22px; }
  .legal-copy p, .legal-copy li { font-size: 14px; }
  .contact-grid, .trust-grid, .complaint-routes, .status-strip { grid-template-columns: 1fr; }
  .contact-grid section { padding: 19px; }
  .application-notice { align-items: flex-start; flex-direction: column; }
  .form-shell { min-height: 1180px; overflow-x: hidden; }
  .footer-trust { width: min(100% - 30px,1180px); padding-top: 10px; padding-bottom: 10px; }
  .footer-trust a { padding: 8px 5px; }
  .footer-trust .trust-icon { width: 24px; height: 24px; }
  .footer-grid { grid-template-columns: 1fr 1fr; gap: 21px 16px; padding-top: 23px; padding-bottom: 22px; }
  .footer-organizations { padding: 14px 0; gap: 8px; }
  .footer-organizations > a { padding: 8px; }
  .organization-mark { width: 34px; height: 34px; }
  .footer-company { grid-column: 1 / -1; }
  .footer-disclaimer { flex-direction: column; gap: 14px; }
  .role-flow, .state-guide-grid { grid-template-columns: 1fr; }
  .state-guide-grid a { min-height: 52px; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }
.mobile-cta-bar { display: none; }
@media (max-width: 900px) {
  body { padding-bottom: 58px; }
  .mobile-cta-bar { position: fixed; left: 0; right: 0; bottom: 0; z-index: 70; height: 58px; padding: 0 17px; display: flex; align-items: center; justify-content: space-between; gap: 12px; background: var(--yellow); color: #15332e; text-decoration: none; box-shadow: 0 -6px 24px rgba(0,0,0,.16); }
  .mobile-cta-bar span, .mobile-cta-bar strong { display: flex; align-items: center; gap: 7px; }
  .mobile-cta-bar span { font-size: 11px; font-weight: 700; }
  .mobile-cta-bar strong { font-size: 12px; }
  .mobile-cta-bar b { font-size: 17px; }
  .mobile-cta-bar i { font-size: 19px; font-style: normal; }
}