/* ============================================================
   Universal Account Servicing — Shared Stylesheet
   Refined from uas2.html. Used by all pages.
   ============================================================ */

:root {
  --orange: #f47a20;
  --orange-dark: #d86412;
  --orange-soft: rgba(244, 122, 32, 0.10);
  --orange-softer: rgba(244, 122, 32, 0.06);
  --gray-900: #3f4348;
  --gray-800: #555b61;
  --gray-700: #70777f;
  --gray-600: #8b9299;
  --gray-500: #aeb4ba;
  --gray-300: #d9dde1;
  --gray-200: #eceff2;
  --gray-100: #f6f8fa;
  --white: #ffffff;
  --success: #1e9e6b;
  --max: 1280px;
  --radius: 16px;
  --radius-lg: 22px;
  --shadow: 0 10px 30px rgba(63, 67, 72, 0.08);
  --shadow-lg: 0 24px 60px rgba(63, 67, 72, 0.14);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
  color: var(--gray-900);
  background: var(--white);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}

a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button { font-family: inherit; }

.container {
  width: min(100% - 32px, var(--max));
  margin: 0 auto;
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  padding: 14px 22px;
  border-radius: 999px;
  font-weight: 700;
  font-size: 15px;
  transition: 0.2s ease;
  border: 1px solid transparent;
  cursor: pointer;
  white-space: nowrap;
}

.btn-primary {
  background: var(--orange);
  color: var(--white);
  box-shadow: 0 10px 20px rgba(244, 122, 32, 0.22);
}
.btn-primary:hover {
  background: var(--orange-dark);
  transform: translateY(-1px);
}

.btn-secondary {
  background: var(--white);
  color: var(--gray-900);
  border-color: var(--gray-300);
}
.btn-secondary:hover {
  border-color: var(--gray-500);
  transform: translateY(-1px);
}

.btn-ghost {
  background: transparent;
  color: var(--gray-900);
  border-color: transparent;
}
.btn-ghost:hover { color: var(--orange-dark); }

.btn-sm {
  padding: 9px 16px;
  font-size: 14px;
  color: white !important;
}

/* ---------- Eyebrow / Pill ---------- */
.eyebrow {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 6px 12px;
  border-radius: 999px;
  background: var(--orange-soft);
  color: var(--orange-dark);
  font-size: 13px;
  font-weight: 700;
  letter-spacing: 0.02em;
  text-transform: uppercase;
}
.eyebrow::before {
  content: "";
  width: 8px;
  height: 8px;
  border-radius: 50%;
  background: var(--orange);
  display: inline-block;
}

.pill {
  background: var(--gray-100);
  border: 1px solid var(--gray-200);
  border-radius: 999px;
  padding: 8px 12px;
  font-size: 12px;
  color: var(--gray-800);
  font-weight: 700;
}

/* ---------- Header / Nav ---------- */
header.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(255, 255, 255, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid rgba(217, 221, 225, 0.9);
}

.nav-wrap {
  position: relative;
  min-height: 76px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
}

.brand {
  display: flex;
  align-items: center;
  gap: 14px;
  min-width: 0;
}

.brand-logo {
  display: block;
  height: 46px;
  width: auto;
  max-width: min(260px, 48vw);
  object-fit: contain;
}
.footer-brand .brand-logo {
  height: 40px;
}

.brand-mark {
  width: 46px;
  height: 46px;
  border-radius: 12px;
  background: linear-gradient(135deg, var(--orange) 0%, var(--orange-dark) 100%);
  position: relative;
  box-shadow: 0 10px 18px rgba(244, 122, 32, 0.22);
  overflow: hidden;
  flex-shrink: 0;
}
.brand-mark::before,
.brand-mark::after {
  content: "";
  position: absolute;
  background: rgba(255,255,255,0.92);
  border-radius: 999px;
}
.brand-mark::before {
  width: 26px;
  height: 5px;
  left: 10px;
  top: 14px;
  transform: rotate(32deg);
}
.brand-mark::after {
  width: 30px;
  height: 5px;
  left: 8px;
  top: 25px;
  transform: rotate(-32deg);
}

.brand-text { min-width: 0; }
.brand-text .name {
  font-size: 17px;
  font-weight: 800;
  letter-spacing: 0.01em;
  color: var(--gray-900);
}
.brand-text .tag {
  font-size: 12px;
  color: var(--gray-700);
}

nav.main-nav {
  display: flex;
  align-items: center;
  gap: 26px;
  flex-wrap: wrap;
}
nav.main-nav a {
  color: var(--gray-800);
  font-weight: 600;
  font-size: 15px;
  padding: 6px 0;
  border-bottom: 2px solid transparent;
  transition: 0.18s ease;
}
nav.main-nav a:hover,
nav.main-nav a.active {
  color: var(--orange-dark);
  border-bottom-color: var(--orange);
}

.nav-actions {
  display: flex;
  align-items: center;
  gap: 12px;
}

/* Wrapper that holds main-nav + nav-actions. Behaves as a flex row on desktop,
   collapses into an absolute-positioned dropdown on mobile (toggled by hamburger). */
.nav-collapse {
  display: flex;
  align-items: center;
  gap: 24px;
}

/* uPortal360 image login button (replaces the old text "Book a Meeting" CTA) */
.btn-portal {
  display: inline-flex;
  align-items: center;
  gap: 13px;
  padding: 4px 14px 4px 10px;
  border-radius: 999px;
  background: var(--white);
  border: 1px solid var(--gray-300);
  color: var(--gray-900);
  font-weight: 700;
  transition: 0.18s ease;
  cursor: pointer;
  text-decoration: none;
  white-space: nowrap;
}
.btn-portal:hover {
  border-color: var(--orange);
  box-shadow: 0 10px 22px rgba(244, 122, 32, 0.18);
  transform: translateY(-1px);
}
.btn-portal:focus-visible {
  outline: none;
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(244, 122, 32, 0.25);
}
.btn-portal-logo {
  display: block;
  height: 36px;
  width: auto;
  flex-shrink: 0;
}
.btn-portal-label {
  font-size: 14px;
  line-height: 1;
}
.btn-portal-label small {
  display: block;
  font-size: 11px;
  font-weight: 600;
  color: var(--gray-700);
  margin-top: 2px;
  letter-spacing: 0.02em;
}

/* Hamburger toggle (mobile only) */
.menu-toggle {
  display: none;
  background: var(--white);
  border: 1px solid var(--gray-300);
  width: 44px;
  height: 44px;
  border-radius: 12px;
  align-items: center;
  justify-content: center;
  flex-direction: column;
  gap: 5px;
  cursor: pointer;
  padding: 0;
  flex-shrink: 0;
  transition: border-color 0.18s ease, box-shadow 0.18s ease;
}
.menu-toggle:hover { border-color: var(--orange); }
.menu-toggle:focus-visible {
  outline: none;
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(244, 122, 32, 0.25);
}
.menu-toggle .bar {
  width: 22px;
  height: 2px;
  background: var(--gray-900);
  border-radius: 2px;
  transition: transform 0.22s ease, opacity 0.15s ease;
  transform-origin: center;
}
.menu-toggle[aria-expanded="true"] .bar:nth-child(1) {
  transform: translateY(7px) rotate(45deg);
}
.menu-toggle[aria-expanded="true"] .bar:nth-child(2) {
  opacity: 0;
}
.menu-toggle[aria-expanded="true"] .bar:nth-child(3) {
  transform: translateY(-7px) rotate(-45deg);
}

/* ---------- Hero ---------- */
.hero {
  padding: 72px 0 40px;
  background:
    radial-gradient(circle at top right, rgba(244,122,32,0.10), transparent 28%),
    linear-gradient(180deg, #fff 0%, #fcfcfd 100%);
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.15fr 0.95fr;
  gap: 40px;
  align-items: center;
}

.hero h1 {
  font-size: clamp(36px, 5vw, 60px);
  line-height: 1.04;
  margin: 18px 0 18px;
  letter-spacing: -0.03em;
}

.hero p.lead {
  font-size: 18px;
  color: var(--gray-800);
  max-width: 720px;
  margin: 0 0 26px;
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  margin-bottom: 22px;
}

.hero-note {
  color: var(--gray-700);
  font-size: 14px;
  max-width: 660px;
}

/* Single-column hero (no .hero-grid wrapper, e.g., when the right-side panel
   has been removed). Centers content and lets the headline fill the container,
   while keeping the supporting text at readable line lengths. */
.hero > .container > div:not(.hero-grid) {
  text-align: center;
  max-width: 1040px;
  margin: 0 auto;
}
.hero > .container > div:not(.hero-grid) h1 {
  max-width: none;
}
.hero > .container > div:not(.hero-grid) .lead {
  max-width: 760px;
  margin-left: auto;
  margin-right: auto;
}
.hero > .container > div:not(.hero-grid) .hero-note {
  max-width: 700px;
  margin-left: auto;
  margin-right: auto;
}
.hero > .container > div:not(.hero-grid) .hero-actions {
  justify-content: center;
}
.hero > .container > div:not(.hero-grid) .eyebrow {
  margin: 0 auto;
}

/* Compact hero used on sub-pages */
.hero.compact {
  padding: 56px 0 30px;
}
.hero.compact h1 {
  font-size: clamp(32px, 4.4vw, 48px);
  margin-top: 14px;
}

/* ---------- Sections ---------- */
section {
  padding: 64px 0;
}

.section-head {
  margin-bottom: 28px;
}
.section-head h2 {
  margin: 14px 0 14px;
  font-size: clamp(28px, 4vw, 42px);
  line-height: 1.08;
  letter-spacing: -0.02em;
  /* No max-width — short headings size to content; long ones can fill the container. */
}
.section-head p {
  margin: 0;
  color: var(--gray-800);
  font-size: 17px;
  max-width: 1040px; /* Cap only the body paragraph for readable line length. */
}

.soft-section {
  background: var(--gray-100);
  border-top: 1px solid var(--gray-200);
  border-bottom: 1px solid var(--gray-200);
}

/* ---------- Cards & Grids ---------- */
.card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 18px;
  padding: 22px;
  box-shadow: var(--shadow);
  height: 100%;
}
.card .icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  background: var(--orange-soft);
  color: var(--orange-dark);
  display: grid;
  place-items: center;
  font-size: 22px;
  margin-bottom: 14px;
  font-weight: 900;
}
.card h3 {
  margin: 0 0 10px;
  font-size: 19px;
  line-height: 1.2;
}
.card p {
  margin: 0;
  color: var(--gray-700);
  font-size: 15px;
}

.grid-2 { display: grid; grid-template-columns: repeat(2, 1fr); gap: 18px; }
.grid-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.grid-4 { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.grid-5 { display: grid; grid-template-columns: repeat(5, 1fr); gap: 18px; }

/* ---------- Stats ---------- */
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 18px;
}
.stat-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-top: 4px solid var(--orange);
  border-radius: 18px;
  padding: 22px;
  box-shadow: var(--shadow);
}
.stat-number {
  font-size: clamp(28px, 4vw, 44px);
  line-height: 1;
  font-weight: 900;
  letter-spacing: -0.03em;
}
.stat-title {
  margin-top: 10px;
  font-size: 16px;
  font-weight: 800;
}
.stat-copy {
  margin-top: 8px;
  color: var(--gray-700);
  font-size: 14px;
}

/* ---------- Borrower Direction Band ---------- */
.borrower-band {
  background: linear-gradient(135deg, var(--gray-900) 0%, #2c2f33 100%);
  color: var(--white);
  border-radius: var(--radius-lg);
  padding: 28px 32px;
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 16px;
  align-items: center;
  box-shadow: var(--shadow-lg);
}
.borrower-band-copy {
  min-width: 0;
}
.borrower-band h3 {
  margin: 0 0 6px;
  font-size: 22px;
  letter-spacing: -0.01em;
}
.borrower-band p {
  margin: 0;
  color: rgba(255,255,255,0.78);
  font-size: 15px;
}
.borrower-band-actions {
  display: contents;
}
.borrower-band .btn-portal {
  justify-content: center;
  width: 100%;
  min-width: 0;
}
.borrower-band .btn-portal-tel {
  background: rgba(255, 255, 255, 0.10);
  border-color: rgba(255, 255, 255, 0.22);
  color: var(--white);
}
.borrower-band .btn-portal-tel:hover {
  background: rgba(255, 255, 255, 0.18);
  border-color: rgba(255, 255, 255, 0.40);
  color: var(--white);
}
.borrower-band .btn-secondary {
  background: rgba(255,255,255,0.10);
  color: var(--white);
  border-color: rgba(255,255,255,0.22);
}
.borrower-band .btn-secondary:hover {
  background: rgba(255,255,255,0.18);
  border-color: rgba(255,255,255,0.40);
}

/* ---------- CTA Band ---------- */
.cta-band {
  background:
    radial-gradient(circle at left top, rgba(244,122,32,0.14), transparent 28%),
    linear-gradient(180deg, #fff 0%, #fbfcfd 100%);
  border: 1px solid var(--gray-200);
  border-radius: 28px;
  padding: 36px;
  box-shadow: var(--shadow);
  display: grid;
  grid-template-columns: 1.3fr auto;
  gap: 20px;
  align-items: center;
}
.cta-band h2 {
  margin: 0 0 10px;
  font-size: clamp(26px, 4vw, 38px);
  line-height: 1.06;
  letter-spacing: -0.02em;
}
.cta-band p {
  margin: 0;
  font-size: 17px;
  color: var(--gray-800);
  max-width: 760px;
}
.cta-band-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
}
.section-head.is-centered {
  text-align: center;
  margin-left: auto;
  margin-right: auto;
}
.card-logos {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  align-items: center;
  gap: 28px;
}
.card-logos img {
  max-height: 45px;
  width: auto;
  object-fit: contain;
}
.card-logos img.is-mastercard { max-height: 55px; }

/* ---------- Trust Badges ---------- */
.trust-badges {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 22px;
}
.trust-badge {
  padding: 11px 16px;
  border-radius: 14px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  box-shadow: var(--shadow);
  font-weight: 800;
  color: var(--gray-800);
  font-size: 14px;
}

/* ---------- Footer ---------- */
footer {
  padding: 48px 0 36px;
  border-top: 1px solid var(--gray-200);
  background: var(--white);
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.3fr 1fr 1fr 1fr;
  gap: 32px;
  align-items: start;
}
.footer-col h4 {
  font-size: 13px;
  text-transform: uppercase;
  letter-spacing: 0.06em;
  color: var(--gray-700);
  margin: 0 0 14px;
}
.footer-col ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: grid;
  gap: 8px;
}
.footer-col a {
  color: var(--gray-800);
  font-weight: 600;
  font-size: 14px;
}
.footer-col a:hover { color: var(--orange-dark); }
.footer-brand p {
  margin: 14px 0 0;
  color: var(--gray-700);
  max-width: 360px;
  font-size: 14px;
}
.footer-meta {
  margin-top: 14px;
  color: var(--gray-700);
  font-size: 12px;
}
/* Contact list inside the brand column of the footer */
.footer-contact {
  list-style: none;
  padding: 0;
  margin: 18px 0 14px;
  display: grid;
  gap: 10px;
  font-size: 14px;
  color: var(--gray-800);
}
.footer-contact li { line-height: 1.45; }
.footer-contact strong {
  color: var(--gray-900);
  font-weight: 800;
  margin-right: 4px;
}
.footer-contact a {
  color: var(--gray-800);
  font-weight: 700;
}
.footer-contact a:hover { color: var(--orange-dark); }
.footer-contact .hours {
  display: block;
  font-size: 12px;
  color: var(--gray-700);
  font-weight: 500;
  margin-top: 2px;
}

/* Bottom row: copyright + legal links */
.footer-bottom {
  margin-top: 36px;
  padding-top: 22px;
  border-top: 1px solid var(--gray-200);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 12px 22px;
  color: var(--gray-700);
  font-size: 13px;
}
.footer-bottom a {
  color: var(--gray-800);
  font-weight: 600;
}
.footer-bottom a:hover { color: var(--orange-dark); }
.footer-legal-links {
  display: flex;
  flex-wrap: wrap;
  align-items: center;
  gap: 8px 14px;
}
.footer-legal-links .sep {
  color: var(--gray-500);
}

/* Hide on print (e.g., when a borrower prints a statement page) */
@media print {
  .no-print { display: none !important; }
}

/* ---------- Forms ---------- */
.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}
.form-field {
  display: flex;
  flex-direction: column;
  gap: 6px;
}
.form-field.full { grid-column: 1 / -1; }
.form-field label {
  font-size: 13px;
  font-weight: 700;
  color: var(--gray-800);
}
.form-field input,
.form-field select,
.form-field textarea {
  width: 100%;
  padding: 12px 14px;
  border: 1px solid var(--gray-300);
  border-radius: 12px;
  background: var(--white);
  font-size: 15px;
  color: var(--gray-900);
  font-family: inherit;
  transition: border 0.15s ease, box-shadow 0.15s ease;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  outline: none;
  border-color: var(--orange);
  box-shadow: 0 0 0 3px rgba(244,122,32,0.15);
}
.form-field textarea { min-height: 130px; resize: vertical; }
.form-helper {
  font-size: 12px;
  color: var(--gray-700);
}

/* ---------- Accordion (FAQ) ---------- */
.faq-list {
  display: grid;
  gap: 12px;
}
.faq-item {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 14px;
  box-shadow: var(--shadow);
  overflow: hidden;
}
.faq-item summary {
  list-style: none;
  cursor: pointer;
  padding: 18px 22px;
  font-weight: 700;
  font-size: 16px;
  color: var(--gray-900);
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 22px;
  font-weight: 900;
  color: var(--orange);
  transition: transform 0.2s ease;
  line-height: 1;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item .faq-body {
  padding: 0 22px 20px;
  color: var(--gray-800);
  font-size: 15px;
}
.faq-body h3 {
  margin: 0 0 10px;
  font-size: 17px;
  font-weight: 800;
  color: var(--gray-900);
  line-height: 1.25;
}
.faq-body ol,
.faq-body ul {
  margin: 0 0 12px;
  padding-left: 1.25rem;
}
.faq-body p {
  margin: 0 0 12px;
}
.faq-table-wrap {
  overflow-x: auto;
  margin-top: 14px;
  border: 1px solid var(--gray-200);
  border-radius: 12px;
}
.faq-table {
  width: 100%;
  border-collapse: collapse;
  font-size: 14px;
}
.faq-table th,
.faq-table td {
  border: 1px solid var(--gray-300);
  padding: 8px 10px;
  text-align: left;
  vertical-align: top;
}
.faq-table th {
  background: var(--gray-100);
  font-weight: 800;
  color: var(--gray-900);
}
.faq-table caption {
  border-bottom: 1px solid var(--gray-300);
  background: var(--gray-100);
  padding: 8px 10px;
  font-weight: 800;
  text-align: center;
  color: var(--gray-900);
}
.faq-table td.is-steps { width: 55%; }
.faq-table td.is-media { text-align: center; }
.faq-table img {
  max-width: 100%;
  height: auto;
}
.faq-table img + img { margin-top: 8px; }
.faq-table-wrap + p { margin-top: 14px; }

/* Tabs */
.tabs {
  display: flex;
  gap: 8px;
  border-bottom: 1px solid var(--gray-200);
  margin-bottom: 22px;
  flex-wrap: wrap;
}
.tabs button {
  background: transparent;
  border: none;
  padding: 12px 18px;
  font-size: 15px;
  font-weight: 700;
  color: var(--gray-700);
  cursor: pointer;
  border-bottom: 3px solid transparent;
  margin-bottom: -1px;
  transition: 0.15s ease;
}
.tabs button.active {
  color: var(--orange-dark);
  border-bottom-color: var(--orange);
}
.tab-panel { display: none; }
.tab-panel.active { display: block; }

/* ---------- Page intro hero (light) ---------- */
.page-hero {
  padding: 60px 0 24px;
  background:
    radial-gradient(circle at top right, rgba(244,122,32,0.08), transparent 30%),
    linear-gradient(180deg, #fff 0%, #fcfcfd 100%);
}
.page-hero h1 {
  font-size: clamp(34px, 4.6vw, 52px);
  line-height: 1.06;
  margin: 14px 0 12px;
  letter-spacing: -0.02em;
}
.page-hero p {
  font-size: 18px;
  color: var(--gray-800);
  max-width: 760px;
  margin: 0;
}
.page-hero p a,
.faq-body a,
.faq-no-results a {
  color: var(--orange-dark);
  font-weight: 700;
  text-decoration: underline;
  text-underline-offset: 2px;
}
.page-hero p a:hover,
.faq-body a:hover,
.faq-no-results a:hover {
  color: var(--orange);
}

/* ---------- Responsive ---------- */
@media (max-width: 1120px) {
  .grid-5 { grid-template-columns: repeat(3, 1fr); }
  .grid-4 { grid-template-columns: repeat(2, 1fr); }
  .grid-3 { grid-template-columns: repeat(2, 1fr); }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .hero-grid,
  .cta-band,
  .footer-grid { grid-template-columns: 1fr; }
  .borrower-band {
    grid-template-columns: 1fr 1fr;
  }
  .borrower-band-copy {
    grid-column: 1 / -1;
  }
  .footer-grid { gap: 24px; }
}

/* Header collapses to hamburger below 960px */
@media (max-width: 960px) {
  .menu-toggle { display: flex; }

  .nav-collapse {
    position: absolute;
    top: calc(100% + 1px);
    left: 0;
    right: 0;
    z-index: 60;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    background: var(--white);
    border-top: 1px solid var(--gray-200);
    border-bottom: 1px solid var(--gray-200);
    box-shadow: 0 16px 36px rgba(63, 67, 72, 0.10);
    padding: 12px 16px 18px;
    /* hidden by default */
    transform: translateY(-8px);
    opacity: 0;
    pointer-events: none;
    visibility: hidden;
    transition: transform 0.22s ease, opacity 0.18s ease, visibility 0s linear 0.22s;
  }
  .nav-collapse.open {
    transform: translateY(0);
    opacity: 1;
    pointer-events: auto;
    visibility: visible;
    transition: transform 0.22s ease, opacity 0.18s ease;
  }

  .nav-collapse nav.main-nav {
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    width: 100%;
  }
  .nav-collapse nav.main-nav a {
    padding: 14px 6px;
    border-bottom: 1px solid var(--gray-200);
    width: 100%;
    font-size: 16px;
  }
  .nav-collapse nav.main-nav a:hover,
  .nav-collapse nav.main-nav a.active {
    border-bottom-color: var(--orange);
  }

  .nav-collapse .nav-actions {
    width: 100%;
    margin-top: 14px;
    flex-direction: column;
    align-items: stretch;
    gap: 10px;
  }
  .nav-collapse .btn-portal {
    justify-content: center;
    padding: 8px 16px 8px 10px;
  }
}

@media (max-width: 760px) {
  section { padding: 48px 0; }
  .hero { padding: 48px 0 28px; }
  .grid-5, .grid-4, .grid-3, .grid-2,
  .stats-grid,
  .form-grid {
    grid-template-columns: 1fr;
  }
  .cta-band { padding: 24px; }
  .borrower-band {
    padding: 22px;
    grid-template-columns: 1fr;
  }
  .borrower-band-copy {
    grid-column: auto;
  }
}