/* Mortgage programs center (extends site.css + roadmap.css + preapproved.css) */
.pg-hero h1{max-width:14em}
.pg-dhero h1{font-size:clamp(36px,4.2vw,58px)}
.pg-hero .hero-actions{align-items:flex-start}
.pg-glance h2{font-family:var(--serif);font-weight:500;font-size:22px;color:var(--navy-800);margin:0 0 14px;line-height:1.2}
.pg-two{list-style:none;margin:0;padding:0;counter-reset:t}
.pg-two li{counter-increment:t;position:relative;padding:12px 0 12px 46px;border-top:1px solid var(--line)}
.pg-two li:first-child{border-top:0}
.pg-two li::before{content:counter(t);position:absolute;left:0;top:12px;width:32px;height:32px;border-radius:10px;background:var(--navy-800);color:var(--powder-400);display:grid;place-items:center;font-weight:800;font-size:13px}
.pg-two b{display:block;color:var(--navy-800);font-size:15.5px}
.pg-two span{font-size:14px;color:var(--muted)}
.pg-two-plus{font-size:14px;color:var(--muted);margin:6px 0 12px;padding:12px 14px;background:var(--powder-100);border-radius:12px}
.pg-glance-list{list-style:none;margin:0;padding:0;display:grid;gap:6px}
.pg-glance-list li{display:flex;align-items:center;gap:10px;font-size:14.5px}
.pg-glance-list .n{min-width:28px;height:28px;border-radius:50%;background:var(--powder-200);display:grid;place-items:center;font-weight:800;font-size:12.5px;color:var(--navy-800)}
.pg-glance-list a{color:var(--navy-800);font-weight:700;text-decoration:none;border-bottom:1.5px solid var(--powder-400)}
.pg-dglance dl{margin:0 0 14px}
.pg-dglance dl div{padding:11px 0;border-top:1px solid var(--line)}
.pg-dglance dl div:first-child{border-top:0;padding-top:0}
.pg-dglance dt{font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--navy-600);margin-bottom:3px}
.pg-dglance dd{margin:0;font-size:14px;line-height:1.5;color:#22324a}

/* notices */
.pg-notice{display:flex;gap:12px;align-items:flex-start;margin:0 0 26px;padding:14px 16px;border-radius:14px;background:#fff8e6;border:1px solid #f0d9a0;color:#4a3a12;font-size:14.5px;line-height:1.55;max-width:46em}
.pg-notice-i{flex-shrink:0;width:22px;height:22px;border-radius:50%;background:#c99a2e;color:#fff;font-weight:800;font-size:13px;display:grid;place-items:center;font-family:Georgia,serif;font-style:italic;margin-top:1px}
.pg-hero-notice{background:rgba(255,248,230,.97)}
.pg-body-notice{margin:34px 0 0}
.pg-badge{font-size:10.5px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#7a5a12;background:#fff3d6;border:1px solid #f0d9a0;border-radius:999px;padding:3px 9px;white-space:nowrap}

/* hub cards */
.pg-group{margin-top:52px}
.pg-group-head{display:flex;align-items:baseline;gap:18px;flex-wrap:wrap;border-bottom:1px solid var(--line);padding-bottom:12px;margin-bottom:22px}
.pg-group-title{font-family:var(--serif);font-weight:500;font-size:26px;color:var(--navy-800);margin:0}
.pg-group-head p{margin:0;color:var(--muted);font-size:15px}
.pg-cards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px}
.pg-cards-rate{grid-template-columns:repeat(2,minmax(0,1fr))}
.pg-card{display:flex;flex-direction:column;min-width:0;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px 22px 22px;transition:transform .35s var(--ease),box-shadow .35s,border-color .35s;position:relative}
.pg-card:hover{transform:translateY(-5px);box-shadow:var(--shadow-md);border-color:var(--powder-400)}
.pg-card-top{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:18px}
.pg-ic{width:44px;height:44px;padding:10px;border-radius:14px;background:var(--navy-800);color:var(--powder-400);flex-shrink:0}
.pg-card h3{font-family:var(--serif);font-weight:500;font-size:21px;line-height:1.2;color:var(--navy-800);margin:0 0 8px}
.pg-card p{font-size:14.5px;color:var(--muted);margin:0 0 16px;line-height:1.55}
.pg-card-meta{font-size:13.5px;color:#22324a;background:var(--powder-100);border-radius:10px;padding:10px 12px;margin:0 0 16px;line-height:1.45}
.pg-card-meta b{display:block;font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:var(--navy-600);margin-bottom:2px}
.pg-card .go{margin-top:auto;font-size:13.5px;font-weight:700;color:var(--navy-800)}
.pg-cards-rate .pg-card{flex-direction:column}

/* how to choose */
.pg-factors{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px;margin-top:34px}
.pg-factor{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px 22px;min-width:0}
.pg-factor svg{width:40px;height:40px;padding:9px;border-radius:12px;background:var(--powder-200);color:var(--navy-800);margin-bottom:14px}
.pg-factor h3{font-size:17px;color:var(--navy-800);margin:0 0 6px}
.pg-factor p{margin:0;font-size:14.5px;color:var(--muted);line-height:1.55}

/* compare tool */
.pc{margin-top:30px;background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);box-shadow:var(--shadow-md);padding:28px}
.pc-pick{border:0;margin:0;padding:0;min-width:0}
.pc-pick legend{font-family:var(--serif);font-size:22px;color:var(--navy-800);padding:0;margin-bottom:16px}
.pc-group{display:grid;grid-template-columns:150px 1fr;gap:12px;align-items:start;padding:10px 0;border-top:1px solid var(--line)}
.pc-group:first-of-type{border-top:0}
.pc-gname{font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);padding-top:11px}
.pc-chips{display:flex;flex-wrap:wrap;gap:8px;min-width:0}
.pc-chip{position:relative;cursor:pointer}
.pc-chip input{position:absolute;opacity:0;width:1px;height:1px;margin:0}
.pc-chip-in{display:inline-flex;align-items:center;gap:9px;min-height:44px;padding:8px 16px 8px 10px;border:1.5px solid var(--line);border-radius:999px;font-size:14.5px;font-weight:700;color:var(--navy-800);background:#fff;transition:background .2s,border-color .2s,color .2s,opacity .2s}
.pc-check{width:20px;height:20px;border-radius:6px;border:1.5px solid var(--powder-500);display:grid;place-items:center;flex-shrink:0;transition:background .2s}
.pc-chip:hover .pc-chip-in{border-color:var(--powder-500);background:var(--powder-100)}
.pc-chip input:checked + .pc-chip-in{background:var(--navy-800);border-color:var(--navy-800);color:#fff}
.pc-chip input:checked + .pc-chip-in .pc-check{background:var(--powder-400);border-color:var(--powder-400)}
.pc-chip input:checked + .pc-chip-in .pc-check::after{content:"";width:9px;height:5px;border-left:2px solid var(--navy-800);border-bottom:2px solid var(--navy-800);transform:rotate(-45deg) translate(1px,-1px)}
.pc-chip input:focus-visible + .pc-chip-in{outline:3px solid var(--powder-500);outline-offset:3px}
.pc-chip input:disabled + .pc-chip-in{opacity:.42;cursor:not-allowed;background:#f6f8fb}
.pc-chip input:disabled{cursor:not-allowed}
.pc-chip:has(input:disabled){cursor:not-allowed}
.pc-limit{margin:12px 0 0;font-size:13.5px;color:var(--muted)}
.pc-limit.full{color:var(--navy-800);font-weight:700;background:var(--powder-100);border-radius:10px;padding:10px 14px;display:inline-block}
.pc-quick{display:flex;flex-wrap:wrap;align-items:center;gap:8px;margin:18px 0 0}
.pc-quick > span{font-size:13px;font-weight:700;color:var(--muted);margin-right:4px}
.pc-q{font:inherit;font-size:13.5px;font-weight:700;color:var(--navy-800);background:var(--powder-100);border:1px solid var(--powder-300);border-radius:999px;padding:8px 14px;cursor:pointer;text-decoration:none;transition:background .2s,border-color .2s}
.pc-q:hover{background:var(--powder-200);border-color:var(--powder-500)}
.pc-q.ghost{background:#fff}
.pc-bar{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;margin:22px 0 0;padding-top:18px;border-top:1px solid var(--line)}
.pc-status{margin:0;font-weight:700;color:var(--navy-800);font-size:15px}
.pc-actions{display:flex;gap:8px}
.pc-btn{font:inherit;font-size:13px;font-weight:700;color:var(--navy-800);background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:8px 14px;cursor:pointer;min-height:40px}
.pc-btn:hover{border-color:var(--navy-800)}
.pc-disc{margin:14px 0 0;font-size:13.5px;color:#22324a;background:var(--powder-100);border-left:4px solid var(--navy-800);border-radius:0 10px 10px 0;padding:11px 14px;line-height:1.5}
.pc-nonqm{margin:12px 0 0;max-width:none}
.pc-out{margin-top:22px}
.pc-empty{display:flex;flex-direction:column;gap:6px;align-items:center;text-align:center;padding:40px 20px;border:2px dashed var(--powder-300);border-radius:var(--r-lg);color:var(--muted);font-size:15px}
.pc-empty b{font-family:var(--serif);font-weight:500;font-size:21px;color:var(--navy-800)}
.pc-table{width:100%;border-collapse:separate;border-spacing:0;font-size:14.5px;line-height:1.55;table-layout:fixed}
.pc-table th,.pc-table td{padding:16px 18px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}
.pc-table thead th{position:sticky;top:var(--pc-top,142px);z-index:3;background:#fff;border-bottom:2px solid var(--navy-800);padding-top:14px;padding-bottom:14px}
.pc-table thead th.pc-corner{font-size:11px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);vertical-align:bottom;width:200px}
.pc-ph{display:flex;align-items:flex-start;justify-content:space-between;gap:8px}
.pc-ph b{display:block;font-family:var(--serif);font-weight:500;font-size:19px;line-height:1.2;color:var(--navy-800)}
.pc-ph small{display:block;font-size:10.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-bottom:4px}
.pc-ph .pg-badge{display:inline-block;margin-top:6px}
.pc-dot{display:inline-block;width:10px;height:10px;border-radius:50%;margin-right:6px;vertical-align:1px}
.pc-c0 .pc-dot,.pc-c0::before{background:var(--navy-800)}
.pc-c1 .pc-dot,.pc-c1::before{background:var(--powder-500)}
.pc-c2 .pc-dot,.pc-c2::before{background:#c99a2e}
.pc-x{flex-shrink:0;width:32px;height:32px;border-radius:50%;border:1.5px solid var(--line);background:#fff;color:var(--navy-800);font-size:18px;line-height:1;cursor:pointer;display:grid;place-items:center}
.pc-x:hover{border-color:var(--navy-800);background:var(--powder-100)}
.pc-table tbody th{font-size:13px;font-weight:800;color:var(--navy-800);background:var(--powder-100);letter-spacing:.01em}
.pc-table tbody tr:nth-child(even) td{background:#fbfdff}
.pc-table td{color:#22324a}
.pc-table td a{color:var(--navy-700);font-weight:700}
.pc-table .pc-guide td{border-bottom:0}
.pc-table tbody tr:last-child th{border-radius:0 0 0 12px}

/* detail body */
.pg-body{padding-top:70px}
.pg-wrap{max-width:1080px}
.pg-sec{display:grid;grid-template-columns:300px minmax(0,1fr);gap:48px;padding:44px 0;border-top:1px solid var(--line);scroll-margin-top:150px}
.pg-sec:first-child{border-top:0;padding-top:10px}
.pg-sec-h{position:relative}
.pg-num{display:block;font-family:var(--serif);font-size:44px;line-height:1;color:var(--powder-500);margin-bottom:10px}
.pg-sec-h h2{font-family:var(--serif);font-weight:400;font-size:clamp(26px,2.4vw,32px);line-height:1.15;color:var(--navy-800);margin:0;letter-spacing:-.01em}
.pg-sec-b{min-width:0;font-size:16.5px;color:#22324a}
.pg-sec-b p{margin:0 0 14px}
.pg-sec-b a{color:var(--navy-700);font-weight:600}
.pg-list{margin:4px 0 16px;padding:0;list-style:none}
.pg-list li{position:relative;padding:10px 0 10px 26px;border-top:1px solid var(--line)}
.pg-list li:first-child{border-top:0}
.pg-list li::before{content:"";position:absolute;left:4px;top:20px;width:8px;height:8px;border-radius:50%;background:var(--powder-500)}
.pg-list .pg-list{margin:6px 0 0}
.pg-sec-b > .pg-list + p{margin-top:8px}
.pg-math{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:6px 0 16px}
.pg-math span{background:var(--powder-100);border-radius:12px;padding:12px 16px;text-align:center;min-width:0}
.pg-math span b{display:block;font-size:20px;color:var(--navy-800)}
.pg-math span small{display:block;font-size:12px;color:var(--muted);line-height:1.35;max-width:16em}
.pg-math .op{background:none;font-size:22px;font-weight:700;color:var(--navy-600);padding:0 2px}
.pg-math .eq{background:var(--navy-800)}
.pg-math .eq b{color:var(--powder-400);font-family:var(--serif);font-weight:500;font-size:24px}
.pg-math .eq small{color:var(--powder-300)}
.pg-pair{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px;padding:44px 0;border-top:1px solid var(--line)}
.pg-pair .pg-sec{display:block;border:1px solid var(--line);border-radius:var(--r-lg);padding:28px 26px;background:#fff}
.pg-pair .pg-sec:first-child{padding-top:28px}
.pg-pair .pg-sec-h{display:flex;align-items:baseline;gap:14px;margin-bottom:12px}
.pg-pair .pg-num{font-size:30px;margin:0}
.pg-pair .pg-sec-h h2{font-size:24px}
.pg-pair .pg-sec#advantages{border-top:5px solid var(--powder-500)}
.pg-pair .pg-sec#limitations{border-top:5px solid #c99a2e}
.pg-ticks{list-style:none;margin:0;padding:0}
.pg-ticks li{position:relative;padding:10px 0 10px 32px;border-top:1px solid var(--line);font-size:15.5px}
.pg-ticks li:first-child{border-top:0}
.pg-ticks li::before{position:absolute;left:0;top:11px;width:21px;height:21px;border-radius:50%;display:grid;place-items:center;font-size:12px;font-weight:800}
.pg-ticks.pos li::before{content:"\2713";background:var(--powder-200);color:var(--navy-800)}
.pg-ticks.neg li::before{content:"!";background:#fff3d6;color:#7a5a12}
.pg-myths{display:grid;gap:14px}
.pg-myth{border:1px solid var(--line);border-radius:var(--r-md);overflow:hidden}
.pg-myth p{margin:0;padding:14px 18px 14px 108px;position:relative}
.pg-myth span{position:absolute;left:18px;top:15px;font-size:10.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;border-radius:999px;padding:3px 9px}
.pg-myth .m{background:#fbfcfe;font-weight:700;color:var(--navy-800);text-decoration:none}
.pg-myth .m span{background:#f1e3e3;color:#7a2a2a}
.pg-myth .f span{background:var(--powder-200);color:var(--navy-800)}
.pg-ask{margin:0;padding:0;list-style:none;counter-reset:q}
.pg-ask li{counter-increment:q;position:relative;padding:14px 0 14px 52px;border-top:1px solid var(--line);font-weight:600;color:var(--navy-800)}
.pg-ask li:first-child{border-top:0}
.pg-ask li::before{content:counter(q);position:absolute;left:0;top:11px;width:34px;height:34px;border-radius:50%;border:2px solid var(--powder-400);display:grid;place-items:center;font-size:13px;font-weight:800}
.pg-mi{margin:34px 0 0;display:flex;gap:18px;align-items:flex-start;background:var(--navy-800);color:#fff;border-radius:var(--r-lg);padding:24px 26px}
.pg-mi p{margin:0;font-size:15.5px;line-height:1.6;color:rgba(255,255,255,.88)}
.pg-mi b{color:#fff}
.pg-mi a{color:var(--powder-400);font-weight:700}
.pg-mi-tag{flex-shrink:0;font-size:10.5px;font-weight:800;letter-spacing:.14em;text-transform:uppercase;background:var(--powder-400);color:var(--navy-800);border-radius:999px;padding:5px 10px;margin-top:2px}
.pg-cmp .pc-quick{margin-top:6px}
.pg-rel{grid-template-columns:repeat(4,minmax(0,1fr))}

@media (max-width:1180px){.pg-cards{grid-template-columns:repeat(2,minmax(0,1fr))}.pg-rel{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:960px){
  .pg-factors{grid-template-columns:repeat(2,minmax(0,1fr))}
  .pg-sec{grid-template-columns:1fr;gap:14px}
  .pg-num{font-size:34px}
  .pg-pair{grid-template-columns:1fr}
}
@media (max-width:600px){
  .pg-cards,.pg-cards-rate,.pg-factors,.pg-rel{grid-template-columns:1fr}
  .pg-group{margin-top:38px}
  .pg-hero .hero-actions > .btn,.pg-hero .hero-actions .cta-stack,.pg-hero .hero-actions .cta-stack .btn,.cta .actions > .btn{width:100%;justify-content:center;white-space:normal}
  .pc{padding:18px 16px;margin-left:-6px;margin-right:-6px}
  .pc-group{grid-template-columns:1fr;gap:6px}
  .pc-gname{padding-top:4px}
  .pc-chip-in{font-size:14px;padding:8px 14px 8px 9px}
  .pc-quick > span{width:100%}
  .pc-bar{align-items:flex-start}
  /* stacked comparison with sticky program header */
  .pc-table,.pc-table tbody,.pc-table tr,.pc-table td,.pc-table tbody th{display:block;width:100%}
  .pc-table thead{display:block;position:sticky;top:var(--pc-top,64px);z-index:3}
  .pc-table thead tr{display:grid;grid-template-columns:repeat(var(--n,2),minmax(0,1fr));gap:6px;background:#fff;padding:8px 0;border-bottom:2px solid var(--navy-800);box-shadow:0 8px 14px -10px rgba(19,43,82,.25)}
  .pc-table thead th{position:static;display:block;border:0;padding:8px 8px;min-width:0;background:var(--powder-100);border-radius:10px}
  .pc-table thead th.pc-corner{display:none}
  .pc-ph{gap:4px}
  .pc-ph b{font-size:15px}
  .pc-ph small,.pc-ph .pg-badge{display:none}
  .pc-x{display:none}
  .pc-ph b{font-family:var(--sans);font-size:13px;font-weight:800;letter-spacing:.01em}
  .pc-dot{display:block;margin:0 0 4px}
  .pc-table tbody tr{border:1px solid var(--line);border-radius:14px;margin:14px 0 0;overflow:hidden}
  .pc-table tbody th{border-bottom:1px solid var(--line);padding:11px 14px;border-radius:0!important}
  .pc-table td{position:relative;padding:12px 14px 12px 14px;border-bottom:1px solid var(--line);background:#fff!important}
  .pc-table td:last-child{border-bottom:0}
  .pc-table td::before{content:attr(data-prog);display:block;font-size:11px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--navy-800);margin-bottom:4px;padding-left:16px;background:none!important;position:relative}
  .pc-table td::after{content:"";position:absolute;left:14px;top:16px;width:10px;height:10px;border-radius:50%}
  .pc-table td.pc-c0::after{background:var(--navy-800)}.pc-table td.pc-c1::after{background:var(--powder-500)}.pc-table td.pc-c2::after{background:#c99a2e}
  .pg-myth p{padding:40px 16px 14px}
  .pg-myth span{top:13px;left:16px}
  .pg-mi{flex-direction:column;gap:10px;padding:20px}
  .pg-math{display:grid;grid-template-columns:1fr;gap:6px}
  .pg-math .op{text-align:center;line-height:1}
  .pg-math span small{max-width:none}
  .pg-math span{padding:10px 12px}
  .pg-pair .pg-sec{padding:22px 18px}
  .pg-sec{padding:34px 0}
}
@media (prefers-reduced-motion:reduce){.pg-card,.pg-card:hover{transition:none;transform:none}}
.pc [hidden],.pg-notice[hidden]{display:none!important}