*, *::before, *::after {
      box-sizing: border-box;
      margin: 0;
    }

    img { display: block; max-width: 100%; }
ul  { list-style: none; }
a   { color: inherit; text-decoration: none; }

    :root {
      --font: adobe-clean, proxima-nova, sans-serif;
      --color-bg: #ffffff;
      --color-text: #2c2c2c;
      --color-text-secondary: #6e6e6e;
      --color-btn-bg: #cbe7f0;
      --color-btn-text: #2c2c2c;
      --color-accent: #0070f0;
      --color-dark-section: #1a2638;
      --radius-card: 8px;
      --radius-btn: 999px;
      --shadow-card: 0 2px 12px rgba(0,0,0,0.08);
      --max-width: 2000px;
      --page-padding: 48px;
    }

    html {
      font-family: var(--font);
      font-size: 16px;
      color: var(--color-text);
      background: var(--color-bg);
      -webkit-font-smoothing: antialiased;

    }

    /* ── Top Ribbon ─────────────────────────────────── */
    .ribbon {
      background: var(--color-btn-bg);
      color: var(--color-text);
      text-align: center;
      font-size: 1.25rem;
      padding: 16px 22px;
      line-height: 1.4;
    }

    /* ── Header ─────────────────────────────────────── */
    .site-header {
      position: sticky;
      top: 0;
      z-index: 100;
      background: #ffffff;
      border-bottom: 1px solid #e8e8e8;
    }

    .header-inner {
      max-width: var(--max-width);
      margin: 0 auto;
      padding: 0 28px;
      height: 85px;
      display: flex;
      align-items: center;
      justify-content: space-between;
      max-width: 1800px;
    }

    .header-logo img {
      height: 50px;
      width: auto;
      display: block;
    }


    .header-nav {
      display: flex;
      align-items: center;
      gap: 60px;
      list-style: none;
    }

    .header-nav a {
      text-decoration: none;
      color: var(--color-text);
      font-size: 1.45rem;
      font-weight: 400;
      transition: color 0.15s;
      text-transform: uppercase;
    }

    .header-nav a:hover {
      color: var(--color-accent);
    }


/* ── Header from CC page──────────────────────────────────────────────────────── */
.PageHeader { position: sticky; top: 0; z-index: 100; background: var(--headerBackgroundColor); border-bottom: 1px solid #e8e8e8; }
.PageHeader__content { max-width: 1200px; margin: 0 auto; padding: 0 var(--page-padding); height: 64px; display: flex; align-items: center; gap: 32px; }
.PageHeader__logo { flex-shrink: 0; }
.PageHeader__logo img { height: 48px; width: auto; }
.PageHeader__navigation { flex: 1; display: flex; justify-content: center; }
.PageHeader__navigation ul { display: flex; gap: 32px; list-style: none; }
.PageHeader__navigation a { font-size: 1rem; font-weight: 400; color: var(--headerTextColor); text-transform: uppercase; letter-spacing: 0.04em; transition: color 0.15s; }
.PageHeader__navigation a:hover, .PageHeader__navigation a.active { color: var(--primaryColor); }
.PageHeader__userActions { flex-shrink: 0; }


    /* ── Hero ───────────────────────────────────────── */
    .hero {
      height: 500px;
      /* background-image removed — .hero-slide divs handle backgrounds now */
      background-size: cover;
      background-position: center;
      display: flex;
      align-items: center;
      position: relative;
      overflow: hidden;
    }

    .hero::after {
      content: '';
      position: absolute;
      inset: 0;
      background: linear-gradient(to right, rgba(10,20,40,0.62) 0%, rgba(10,20,40,0.28) 55%, rgba(10,20,40,0) 100%);
      z-index: 1;
      pointer-events: none;
    }

    .hero-content {
      position: relative;
      z-index: 2;
      width: 100%;
      margin: 50px;
      padding: 0 24px;
      color: #ffffff;
      max-width: 560px;
      padding-left: 15px;
    }

    .hero-pretitle {
      font-size: 0.75rem;
      font-weight: 700;
      letter-spacing: 0.12em;
      text-transform: uppercase;
      margin-bottom: 12px;
      opacity: 0.9;
    }

    .hero h1 {
      font-size: 2.75rem;
      font-weight: 700;
      line-height: 1.15;
      margin-bottom: 14px;
    }

    .hero-subtitle {
      font-size: 1.125rem;
      font-weight: 300;
      margin-bottom: 28px;
      opacity: 0.92;
    }

    /* ── Hero Carousel ──────────────────────────────── */

    .hero-slides {
      position: absolute;
      inset: 0;
      z-index: 0;
    }

    .hero-slide {
      position: absolute;
      inset: 0;
      background-size: cover;
      background-position: center;
      opacity: 0;
      transition: opacity 0.8s ease;
    }

    .hero-slide--active {
      opacity: 1;
    }

    .hero-panel {
      margin-left: 15%;
      display: none;
    }

    .hero-panel--active {
      display: block;
    }

    .hero-arrow {
      position: absolute;
      top: 50%;
      transform: translateY(-50%);
      z-index: 3;
      background: rgba(0, 0, 0, 0.35);
      color: #ffffff;
      border: none;
      border-radius: 50%;
      width: 44px;
      height: 44px;
      font-size: 1.25rem;
      line-height: 1;
      cursor: pointer;
      transition: background 0.2s;
      display: flex;
      align-items: center;
      justify-content: center;
    }

    .hero-arrow:hover {
      background: rgba(0, 0, 0, 0.6);
    }

    .hero-arrow--prev { left: 1.5rem; }
    .hero-arrow--next { right: 1.5rem; }

    .hero-dots {
      position: absolute;
      bottom: 1.25rem;
      left: 50%;
      transform: translateX(-50%);
      display: flex;
      gap: 10px;
      z-index: 3;
    }

    .hero-dot {
      width: 10px;
      height: 10px;
      border-radius: 50%;
      border: 2px solid rgba(255, 255, 255, 0.8);
      background: transparent;
      cursor: pointer;
      padding: 0;
      transition: background 0.2s, border-color 0.2s;
    }

    .hero-dot--active {
      background: #ffffff;
      border-color: #ffffff;
    }

    /* ── Buttons ─────────────────────────────────────── */
    .btn {
      display: inline-block;
      padding: 10px 28px;
      border-radius: var(--radius-btn);
      font-family: var(--font);
      font-size: 1.5rem;
      font-weight: 600;
      cursor: pointer;
      text-decoration: none;
      transition: opacity 0.15s, transform 0.1s;
      border: none;
      outline: none;
    }

    .btn:hover {
      opacity: 0.88;
      transform: translateY(-1px);
    }

    .btn-light {
      background: var(--color-btn-bg);
      color: var(--color-btn-text);
    }

    .btn-inline {
    align-self: flex-start;
    }

    .btn-accent {
      background: var(--color-accent);
      color: #ffffff;
    }

    .btn-outline-white {
      background: transparent;
      color: #ffffff;
      border: 2px solid rgba(255,255,255,0.7);
    }

    /* ── Main content wrapper ───────────────────────── */
    .content-wrapper {
      max-width: var(--max-width);
      margin: 0 auto;
      padding: 0 24px;
    }

    /* ── Section: Popular offers ────────────────────── */
    .section-offers {
      padding: 56px 0 64px;
    }

    .section-title {
      font-size: 1.625rem;
      font-weight: 700;
      color: var(--color-text);
      margin-bottom: 32px;
    }

    .offers-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 24px;
  align-items: stretch;  /* ← grid rows now share the same height */
}

    /* ── Card base ──────────────────────────────────── */
    .card {
      background: #ffffff;
      border-radius: var(--radius-card);
      box-shadow: var(--shadow-card);
      overflow: hidden;
    }

    /* ── Vertical card (Mortgage) ───────────────────── */
    .card-vertical {
      min-height: 200px;
      height: 100%;
    }

    .card-vertical .card-image {
      width: 100%;
      aspect-ratio: 16/9;
      object-fit: cover;
      display: block;
    }

    .card-vertical .card-body {
      padding: 24px;
    }

    .card-vertical .card-title {
      font-size: 2rem;
      font-weight: 700;
      margin-bottom: 10px;
    }

    .card-vertical .card-desc {
      font-size: 1.25rem;
      color: var(--color-text-secondary);
      line-height: 1.6;
      margin-bottom: 20px;
    }

    .card-vertical .card-link {
      font-size: 1rem;
      font-weight: 600;
      color: var(--color-accent);
      text-decoration: none;
      text-transform: uppercase;
    }

    .email-form {
      display: flex;
      gap: 8px;
    }

    .email-form input[type="email"] {
      flex: 1;
      padding: 10px 16px;
      border: 1px solid #d0d0d0;
      border-radius: var(--radius-btn);
      font-family: var(--font);
      font-size: 1.25rem;
      color: var(--color-text);
      background: #f7f7f7;
      outline: none;
      transition: border-color 0.15s;
    }

    .email-form input[type="email"]:focus {
      border-color: var(--color-accent);
      background: #fff;
    }

    .email-form input[type="email"]::placeholder {
      color: #aaaaaa;
    }

    /* ── Right column stack ─────────────────────────── */
    .right-col {
      display: flex;
      flex-direction: column;
      gap: 24px;
      height: 100%;
    }

    /* ── Horizontal cards ───────────────────────────── */
    .card-horizontal {
      display: flex;
      align-items: stretch;
      min-height: 230px;
      flex: 1;
    }

    .card-horizontal .card-image-wrap {
      flex: 0 0 160px;
      overflow: hidden;
    }

    .card-horizontal .card-image-wrap img {
      width: 100%;
      height: 100%;
      object-fit: cover;
      display: block;
    }

    .card-horizontal .card-body {
      flex: 1;
      padding: 20px 24px;
      display: flex;
      flex-direction: column;
      justify-content: center;
    }

    .card-horizontal .card-title {
      font-size: 2rem;
      font-weight: 700;
      margin-bottom: 8px;
    }

    .card-horizontal .card-desc {
      font-size: 1.25rem;
      color: var(--color-text-secondary);
      line-height: 1.55;
      margin-bottom: 12px;
    }

    .card-horizontal .card-link {
      font-size: 1rem;
      font-weight: 600;
      color: var(--color-accent);
      text-decoration: none;
      text-transform: uppercase;
      margin-top: auto;
    }

    .card-horizontal .card-link:hover {
      text-decoration: underline;
    }

    /* image on the right */
    .card-horizontal.image-right {
      flex-direction: row-reverse;
    }

    /* ── Dark section ───────────────────────────────── */
    .section-dark {
      background: var(--color-dark-section);
      padding: 56px 0;
    }

    .dark-grid {
      display: grid;
      grid-template-columns: 1fr 1fr;
      gap: 32px;
      align-items: center;
    }

    .dark-banner {
      border-radius: var(--radius-card);
      overflow: hidden;
      position: relative;
    }

    .dark-banner img {
      width: 100%;
      display: block;
      aspect-ratio: 4/3;
      object-fit: cover;
    }

    .dark-banner-overlay {
      position: absolute;
      bottom: 0;
      left: 0;
      right: 0;
      padding: 24px 28px;
      background: linear-gradient(to top, rgba(10,20,40,0.82) 0%, rgba(10,20,40,0) 100%);
      color: #ffffff;
    }

    .dark-banner-overlay h3 {
      font-size: 1.75rem;
      font-weight: 700;
      margin-bottom: 8px;
    }

    .dark-banner-overlay p {
      font-size: 1.25rem;
      font-weight: 300;
      line-height: 1.6;
      opacity: 0.88;
    }

    .dark-text-card {
      color: #ffffff;
      padding: 16px 0;
    }

    .dark-text-card .rate-label {
      font-size: 0.8rem;
      font-weight: 600;
      letter-spacing: 0.1em;
      text-transform: uppercase;
      opacity: 0.65;
      margin-bottom: 6px;
    }

    .dark-text-card h2 {
      font-size: 3rem;
      font-weight: 700;
      line-height: 1;
      margin-bottom: 12px;
    }

    .dark-text-card .dark-subtitle {
      font-size: 1.25rem;
      font-weight: 300;
      opacity: 0.85;
      margin-bottom: 28px;
    }


    /* ── Light blue section variant ─────────────────── */
    .section-light-blue {
    background: #CCE7F0;
    padding: 56px 0;
    } 

    .section-light-blue .dark-banner-overlay h3,
    .section-light-blue .dark-banner-overlay p {
    /* overlay text stays white (inherits from .dark-banner-overlay) */
    }

    .light-blue-text-card {
    color: var(--color-text);
    padding: 16px 0;
    }

    .light-blue-text-card .rate-label {
    font-size: 0.8rem;
    font-weight: 600;
    letter-spacing: 0.1em;
    text-transform: uppercase;
    opacity: 0.65;
    margin-bottom: 6px;
    }

    .light-blue-text-card h2 {
    font-size: 3rem;
    font-weight: 700;
    line-height: 1;
    margin-bottom: 12px;
    color: var(--color-text);
    }

    .light-blue-text-card .dark-subtitle {
    font-size: 1.25rem;
    font-weight: 300;
    margin-bottom: 28px;
    color: var(--color-text);
    }

    /* ── Full-width card section ────────────────────── */
    .section-fullwidth {
      padding: 56px 0 64px;
    }

    .fullwidth-card {
      display: flex;
      align-items: stretch;
      border-radius: var(--radius-card);
      box-shadow: var(--shadow-card);
      overflow: hidden;
      min-height: 320px;
    }

    .fullwidth-card .fw-content {
      flex: 1;
      padding: 48px 56px;
      display: flex;
      flex-direction: column;
      justify-content: center;
    }

    .fullwidth-card .fw-image {
      flex: 0 0 48%;
      overflow: hidden;
    }

    .fullwidth-card .fw-image img {
      width: 100%;
      height: 100%;
      object-fit: cover;
      display: block;
    }

    .fullwidth-card h2 {
      font-size: 3rem;
      font-weight: 700;
      margin-bottom: 16px;
      color: var(--color-text);
    }

    .fullwidth-card p {
      font-size: 1.25rem;
      color: var(--color-text-secondary);
      line-height: 1.65;
      margin-bottom: 28px;
      max-width: 500px;
    }

    /* ── Footer ─────────────────────────────────────── */
    .site-footer {
      background: #ffffff;
      border-top: 1px solid #e8e8e8;
      padding: 40px 0;
    }

    .footer-inner {
      max-width: var(--max-width);
      margin: 0 auto;
      padding: 0 24px;
      display: flex;
      align-items: flex-start;
      justify-content: space-between;
      gap: 32px;
      flex-wrap: wrap;
    }

    .footer-brand {
      display: flex;
      flex-direction: column;
      gap: 12px;
      max-width: 520px;
    }

    .footer-brand img {
      height: 32px;
      width: auto;
    }

    .footer-brand p {
      font-size: 1rem;
      color: var(--color-text-secondary);
      line-height: 1.55;
    }

    .footer-nav {
      display: flex;
      flex-direction: column;
      gap: 10px;
      list-style: none;
      text-align: right;
    }

    .footer-nav a {
      font-size: 1.5rem;
      color: var(--color-text);
      text-decoration: none;
      font-weight: 400;
      text-transform: uppercase;
    }

    .footer-nav a:hover {
      color: var(--color-accent);
    }

    /* ── Responsive ─────────────────────────────────── */
    @media (max-width: 768px) {
      .header-nav {
        gap: 20px;
      }

      .header-nav li:nth-child(n+3) {
        display: none;
      }

      .hero {
        height: auto;
        min-height: 380px;
        padding: 48px 0;
      }

      .hero-content {
        padding: 0 24px;
        max-width: 100%;
        margin: 0;
      }

      .hero h1 {
        font-size: 2rem;
      }

      .hero-arrow {
        width: 36px;
        height: 36px;
        font-size: 1rem;
      }

      .hero-arrow--prev { left: 0.75rem; }
      .hero-arrow--next { right: 0.75rem; }

      .offers-grid {
        grid-template-columns: 1fr;
      }

      .dark-grid {
        grid-template-columns: 1fr;
      }

      .dark-text-card {
        order: -1;
        text-align: center;
      }

      .dark-text-card h2 {
        font-size: 3rem;
      }

      .fullwidth-card {
        flex-direction: column;
      }

      .fullwidth-card .fw-image {
        flex: 0 0 220px;
      }

      .fullwidth-card .fw-content {
        padding: 32px 28px;
      }

      .footer-inner {
        flex-direction: column;
        align-items: flex-start;
      }

      .footer-nav {
        text-align: left;
        flex-direction: row;
        flex-wrap: wrap;
        gap: 12px 24px;
      }

      .email-form {
        flex-direction: column;
      }
    }

    @media (max-width: 480px) {
      .hero h1 {
        font-size: 1.75rem;
      }

      .section-title {
        font-size: 1.375rem;
      }

      .card-horizontal .card-image-wrap {
        flex: 0 0 120px;
      }

      .hero-arrow {
        display: none;
      }
    }


/* Ribbon */
.ribbon { font-size: 0.875rem; padding: 10px 16px; }

/* Header */
.header-inner { height: 64px; }
.header-logo img { height: 35px; }
.header-nav { gap: 40px; }
.header-nav a { font-size: 0.95rem; }

/* Buttons */
.btn { font-size: 0.9375rem; }

/* Cards — vertical */
.card-vertical .card-title { font-size: 1.75rem; }
.card-vertical .card-desc { font-size: 1.25rem; }
.card-vertical .card-link { font-size: 1rem; }

/* Cards — horizontal */
.card-horizontal .card-title { font-size: 1.75rem; }
.card-horizontal .card-desc { font-size: 1.25rem; }
.card-horizontal .card-link { font-size: 1rem; }

/* Dark / light-blue sections */
.dark-banner-overlay h3 { font-size: 1.5rem; }
.dark-banner-overlay p { font-size: 1.25rem; }
.dark-text-card h2 { font-size: 3rem; }
.dark-text-card .dark-subtitle { font-size: 1.25rem; }
.light-blue-text-card h2 { font-size: 3rem; }
.light-blue-text-card .dark-subtitle { font-size: 1.25rem; }


/* Full-width cards */
.fullwidth-card h2 { font-size: 2.5rem; }
.fullwidth-card p { font-size: 1.25rem; }

/* Footer */
.footer-nav a { font-size: 0.875rem; }
.footer-brand p { font-size: 0.8125rem; }

.light-blue-text-card p {
  font-size: 1rem;
  color: var(--color-text-secondary);
  line-height: 1.65;
  font-weight: 500;
  opacity: 1;
}