:root {
    --ct-navy: #0b3658;
    --ct-navy-deep: #072940;
    --ct-blue: #1769e0;
    --ct-blue-dark: #0d54bd;
    --ct-sky: #eaf4ff;
    --ct-teal: #087f70;
    --ct-green: #0b8f69;
    --ct-purple: #6956d9;
    --ct-gold: #b86508;
    --ct-red: #b42318;
    --ct-text: #172b3d;
    --ct-muted: #52677a;
    --ct-line: #d9e3ed;
    --ct-surface: #ffffff;
    --ct-bg: #f4f7fb;
    --ct-soft: #eef4f9;
    --ct-shadow-sm: 0 6px 20px rgba(16, 43, 66, 0.08);
    --ct-shadow: 0 18px 50px rgba(16, 43, 66, 0.13);
    --ct-radius-sm: 10px;
    --ct-radius: 18px;
    --ct-radius-lg: 28px;
    --ct-shell: 1180px;
}

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

html {
    scroll-behavior: smooth;
    -webkit-text-size-adjust: 100%;
}

body.ct-site {
    margin: 0;
    min-width: 0;
    color: var(--ct-text);
    background: var(--ct-bg);
    font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
    font-size: 16px;
    line-height: 1.65;
    -webkit-font-smoothing: antialiased;
}

body.ct-site img {
    max-width: 100%;
    height: auto;
}

body.ct-site a {
    color: var(--ct-blue-dark);
    text-decoration-thickness: 1px;
    text-underline-offset: 3px;
}

body.ct-site a:hover {
    color: var(--ct-navy);
}

body.ct-site h1,
body.ct-site h2,
body.ct-site h3,
body.ct-site h4 {
    margin: 0 0 0.65em;
    color: var(--ct-navy-deep);
    font-family: inherit;
    font-weight: 750;
    line-height: 1.14;
    letter-spacing: -0.025em;
}

body.ct-site h1 {
    font-size: clamp(2.35rem, 5vw, 4.4rem);
}

body.ct-site h2 {
    font-size: clamp(1.75rem, 3vw, 2.75rem);
}

body.ct-site h3 {
    font-size: clamp(1.15rem, 2vw, 1.4rem);
}

body.ct-site p {
    margin: 0 0 1.15rem;
}

body.ct-site ul,
body.ct-site ol {
    margin-top: 0;
}

body.ct-site :focus-visible {
    outline: 3px solid rgba(23, 105, 224, 0.35);
    outline-offset: 3px;
}

.ct-shell {
    width: min(calc(100% - 40px), var(--ct-shell));
    margin-inline: auto;
}

.ct-skip-link {
    position: fixed;
    z-index: 9999;
    top: 12px;
    left: 12px;
    transform: translateY(-160%);
    padding: 10px 16px;
    border-radius: 8px;
    color: #fff !important;
    background: var(--ct-navy-deep);
    font-weight: 700;
    transition: transform 0.18s ease;
}

.ct-skip-link:focus {
    transform: translateY(0);
}

.ct-header {
    position: sticky;
    z-index: 1000;
    top: 0;
    border-bottom: 1px solid rgba(15, 60, 93, 0.1);
    background: rgba(255, 255, 255, 0.96);
    box-shadow: 0 2px 12px rgba(16, 43, 66, 0.05);
    backdrop-filter: blur(12px);
}

.ct-header__inner {
    display: flex;
    min-height: 76px;
    align-items: center;
    justify-content: space-between;
    gap: 28px;
}

.ct-brand {
    display: inline-flex;
    flex: 0 0 auto;
    align-items: center;
}

.ct-brand img {
    display: block;
    width: 225px;
    max-height: 48px;
    object-fit: contain;
}

.ct-primary-nav {
    margin-left: auto;
}

.ct-primary-nav__list {
    display: flex;
    align-items: center;
    gap: 4px;
    margin: 0;
    padding: 0;
    list-style: none;
}

.ct-primary-nav__list a {
    display: inline-flex;
    min-height: 42px;
    align-items: center;
    padding: 8px 12px;
    border-radius: 9px;
    color: var(--ct-navy) !important;
    font-size: 0.94rem;
    font-weight: 680;
    text-decoration: none;
    white-space: nowrap;
}

.ct-primary-nav__list a:hover,
.ct-primary-nav__list a[aria-current="page"] {
    background: var(--ct-sky);
    color: var(--ct-blue-dark) !important;
}

.ct-nav-toggle {
    display: none;
    align-items: center;
    gap: 10px;
    min-height: 44px;
    padding: 8px 12px;
    border: 1px solid var(--ct-line);
    border-radius: 9px;
    color: var(--ct-navy);
    background: #fff;
    font: inherit;
    font-weight: 700;
    cursor: pointer;
}

.ct-nav-toggle__icon {
    display: grid;
    gap: 4px;
    width: 20px;
}

.ct-nav-toggle__icon span {
    display: block;
    width: 100%;
    height: 2px;
    border-radius: 10px;
    background: currentColor;
}

.ct-hero {
    position: relative;
    overflow: hidden;
    padding: clamp(68px, 8vw, 112px) 0 clamp(100px, 11vw, 150px);
    color: #fff;
    background:
        radial-gradient(circle at 85% 15%, rgba(87, 193, 255, 0.28), transparent 31%),
        linear-gradient(128deg, #082f4d 0%, #0b426e 54%, #0c5b7f 100%);
}

.ct-hero::before {
    content: "";
    position: absolute;
    inset: auto -80px -180px 42%;
    height: 340px;
    border-radius: 50%;
    background: rgba(255, 255, 255, 0.055);
    transform: rotate(-7deg);
}

.ct-hero__grid,
.ct-page-hero__grid {
    position: relative;
    display: grid;
    grid-template-columns: minmax(0, 1.08fr) minmax(300px, 0.92fr);
    align-items: center;
    gap: clamp(42px, 7vw, 90px);
}

.ct-hero h1,
.ct-hero h2,
.ct-hero h3,
.ct-hero p,
.ct-hero a:not(.ct-button) {
    color: #fff;
}

.ct-hero__copy {
    max-width: 690px;
}

.ct-lead {
    max-width: 760px;
    color: var(--ct-muted);
    font-size: clamp(1.08rem, 2vw, 1.28rem);
    line-height: 1.65;
}

.ct-hero .ct-lead,
.ct-page-hero .ct-lead {
    color: rgba(255, 255, 255, 0.89);
}

.ct-eyebrow {
    display: inline-flex;
    margin-bottom: 16px;
    color: var(--ct-blue-dark);
    font-size: 0.8rem;
    font-weight: 800;
    letter-spacing: 0.095em;
    line-height: 1.35;
    text-transform: uppercase;
}

.ct-hero .ct-eyebrow,
.ct-page-hero .ct-eyebrow,
.ct-lender-intro .ct-eyebrow {
    color: #a9dcff;
}

.ct-hero__actions {
    display: flex;
    flex-wrap: wrap;
    gap: 12px;
    margin: 28px 0 24px;
}

.ct-button,
.ct-button:link,
.ct-button:visited {
    display: inline-flex;
    min-height: 50px;
    align-items: center;
    justify-content: center;
    padding: 12px 22px;
    border: 1px solid transparent;
    border-radius: 10px;
    font-weight: 760;
    line-height: 1.2;
    text-decoration: none;
    transition: transform 0.18s ease, box-shadow 0.18s ease, background 0.18s ease;
}

.ct-button:hover {
    transform: translateY(-1px);
}

.ct-button--primary,
.ct-button--primary:link,
.ct-button--primary:visited {
    color: #fff !important;
    background: var(--ct-blue);
    box-shadow: 0 10px 25px rgba(7, 48, 95, 0.2);
}

.ct-button--primary:hover {
    background: var(--ct-blue-dark);
}

.ct-button--secondary,
.ct-button--secondary:link,
.ct-button--secondary:visited {
    color: var(--ct-navy) !important;
    border-color: rgba(255, 255, 255, 0.6);
    background: #fff;
}

.ct-button--ghost,
.ct-button--ghost:link,
.ct-button--ghost:visited {
    color: var(--ct-blue-dark) !important;
    border-color: var(--ct-line);
    background: transparent;
}

.ct-hero__visual,
.ct-page-hero__visual {
    display: flex;
    justify-content: center;
}

.ct-hero__visual img,
.ct-page-hero__visual img {
    width: min(100%, 500px);
    filter: drop-shadow(0 28px 38px rgba(4, 26, 43, 0.26));
}

.ct-section {
    padding: clamp(68px, 8vw, 104px) 0;
}

.ct-section--tight {
    padding-top: 44px;
    padding-bottom: 76px;
}

.ct-section--overlap {
    position: relative;
    z-index: 2;
    margin-top: -72px;
    padding-top: 0;
}

.ct-section--tint {
    background: var(--ct-soft);
}

.ct-section--white {
    background: #fff;
}

.ct-section-heading {
    max-width: 760px;
    margin: 0 auto 40px;
    text-align: center;
}

.ct-section-heading p {
    color: var(--ct-muted);
    font-size: 1.08rem;
}

.ct-form-panel {
    display: grid;
    grid-template-columns: minmax(260px, 0.82fr) minmax(360px, 1.18fr);
    overflow: hidden;
    border: 1px solid rgba(14, 61, 94, 0.08);
    border-radius: var(--ct-radius-lg);
    background: #fff;
    box-shadow: var(--ct-shadow);
}

.ct-form-panel__intro {
    padding: clamp(30px, 5vw, 56px);
    color: #fff;
    background:
        radial-gradient(circle at 90% 0, rgba(71, 195, 211, 0.22), transparent 34%),
        linear-gradient(145deg, #0b3d61, #0b5d77);
}

.ct-form-panel__intro h2,
.ct-form-panel__intro p,
.ct-form-panel__intro .ct-eyebrow {
    color: #fff;
}

.ct-form-panel__intro p {
    color: rgba(255, 255, 255, 0.86);
}

.ct-loan-form {
    min-width: 0;
    padding: clamp(28px, 5vw, 52px);
}

.ct-loan-form .ui-form,
.ct-loan-form .ui-form fieldset,
.ct-loan-form .ui-form ol,
.ct-loan-form .ui-form li {
    width: 100% !important;
    max-width: none !important;
    margin: 0 !important;
    padding: 0 !important;
    border: 0 !important;
    float: none !important;
}

.ct-loan-form .ui-form ol {
    display: grid;
    gap: 17px;
    list-style: none;
}

.ct-loan-form .ui-form li {
    display: block !important;
    list-style: none !important;
}

.ct-loan-form .ui-form label {
    display: block;
    margin: 0 0 7px;
    color: var(--ct-navy-deep);
    font-size: 0.95rem;
    font-weight: 720;
    line-height: 1.35;
}

.ct-loan-form .ui-form input:not([type="checkbox"]),
.ct-loan-form .ui-form select,
.ct-loan-form .autocomplete-field,
.ct-loan-form .autocomplete__inputs input {
    display: block !important;
    width: 100% !important;
    min-width: 0 !important;
    height: 50px !important;
    margin: 0 !important;
    padding: 0 14px !important;
    border: 1px solid #b9c9d8 !important;
    border-radius: 9px !important;
    color: var(--ct-text) !important;
    background: #fff !important;
    font: inherit !important;
    line-height: 50px !important;
    box-shadow: none !important;
}

.ct-loan-form .ui-form input:not([type="checkbox"]):focus,
.ct-loan-form .ui-form select:focus,
.ct-loan-form .autocomplete__inputs input:focus {
    border-color: var(--ct-blue) !important;
    outline: 3px solid rgba(23, 105, 224, 0.14) !important;
}

.ct-loan-form .autocomplete__box,
.ct-loan-form .autocomplete__inputs,
.ct-loan-form #the-basics {
    width: 100% !important;
    min-width: 0 !important;
    padding: 0 !important;
    border: 0 !important;
}

.ct-loan-form .autocomplete__results {
    z-index: 50 !important;
    overflow-y: auto !important;
    max-height: 300px !important;
    border: 1px solid var(--ct-line) !important;
    border-radius: 0 0 9px 9px !important;
    background: #fff !important;
    box-shadow: var(--ct-shadow-sm) !important;
}

.ct-loan-form .autocomplete__results__item {
    margin: 0 !important;
    padding: 11px 13px !important;
    border: 0 !important;
    border-bottom: 1px solid var(--ct-line) !important;
    color: var(--ct-text) !important;
    line-height: 1.45 !important;
}

.ct-loan-form .autocomplete__results__item:hover,
.ct-loan-form .autocomplete__results__item--highlighted {
    background: var(--ct-sky) !important;
}

.ct-loan-form .grad-date-mth {
    display: block;
}

.ct-loan-form .email-optin label {
    display: grid;
    grid-template-columns: 20px minmax(0, 1fr);
    align-items: start;
    gap: 9px;
    color: var(--ct-muted);
    font-size: 0.9rem;
    font-weight: 500;
}

.ct-loan-form .email-optin input[type="checkbox"] {
    width: 18px !important;
    height: 18px !important;
    margin: 2px 0 0 !important;
    accent-color: var(--ct-blue);
}

.ct-loan-form #search_submit_button,
.ct-loan-form .ui-form button[type="submit"] {
    width: 100% !important;
    min-height: 52px !important;
    margin: 2px 0 0 !important;
    padding: 12px 18px !important;
    border: 0 !important;
    border-radius: 10px !important;
    color: #fff !important;
    background: var(--ct-blue) !important;
    font: inherit !important;
    font-size: 1rem !important;
    font-weight: 760 !important;
    cursor: pointer;
    box-shadow: 0 10px 24px rgba(23, 105, 224, 0.22) !important;
}

.ct-loan-form #search_submit_button:hover {
    background: var(--ct-blue-dark) !important;
}

.ct-loan-form #search_submit_button:disabled {
    opacity: 0.62;
    cursor: wait;
}

.ct-form-note,
.ct-source-note,
.ct-small-print {
    color: var(--ct-muted);
    font-size: 0.84rem;
    line-height: 1.55;
}

.ct-form-note {
    margin: 16px 0 0;
}

.ct-check-list {
    margin: 0;
    padding: 0;
    list-style: none;
}

.ct-check-list li {
    position: relative;
    margin: 0 0 11px;
    padding-left: 28px;
}

.ct-check-list li::before {
    content: "✓";
    position: absolute;
    top: 0;
    left: 0;
    display: grid;
    width: 20px;
    height: 20px;
    place-items: center;
    border-radius: 50%;
    color: #fff;
    background: var(--ct-green);
    font-size: 0.75rem;
    font-weight: 900;
}

.ct-check-list--compact {
    display: flex;
    flex-wrap: wrap;
    gap: 10px 22px;
    color: rgba(255, 255, 255, 0.88);
    font-size: 0.9rem;
}

.ct-check-list--compact li {
    margin: 0;
}

.ct-check-list--compact li::before {
    color: #86f0c2;
    background: rgba(255, 255, 255, 0.12);
}

.ct-step-grid,
.ct-resource-grid,
.ct-card-grid,
.ct-tip-grid,
.ct-option-grid,
.ct-comparison-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 22px;
}

.ct-step-card,
.ct-card,
.ct-tip-card,
.ct-option-card,
.ct-comparison-card {
    position: relative;
    padding: 28px;
    border: 1px solid var(--ct-line);
    border-radius: var(--ct-radius);
    background: #fff;
    box-shadow: var(--ct-shadow-sm);
}

.ct-step-card__number {
    display: grid;
    width: 40px;
    height: 40px;
    margin-bottom: 20px;
    place-items: center;
    border-radius: 12px;
    color: #fff;
    background: var(--ct-blue);
    font-weight: 800;
}

.ct-step-card p,
.ct-card p,
.ct-tip-card p,
.ct-option-card p,
.ct-comparison-card p {
    color: var(--ct-muted);
}

.ct-step-card a,
.ct-resource-card span,
.ct-text-link {
    font-weight: 740;
}

.ct-rate-panel {
    padding: clamp(30px, 5vw, 54px);
    border: 1px solid #cbddeb;
    border-radius: var(--ct-radius-lg);
    background: #fff;
    box-shadow: var(--ct-shadow-sm);
}

.ct-rate-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 14px;
    margin: 28px 0 18px;
}

.ct-rate-card {
    display: flex;
    min-height: 160px;
    flex-direction: column;
    justify-content: space-between;
    gap: 20px;
    padding: 24px;
    border-radius: 15px;
    color: #fff;
    background: linear-gradient(145deg, #0b3d61, #126d8a);
}

.ct-rate-card span {
    color: rgba(255, 255, 255, 0.82);
    font-size: 0.93rem;
}

.ct-rate-card strong {
    font-size: clamp(2rem, 4vw, 3.25rem);
    line-height: 1;
}

.ct-resource-card {
    display: grid;
    grid-template-columns: 115px minmax(0, 1fr);
    align-items: center;
    gap: 20px;
    min-height: 225px;
    padding: 24px;
    border: 1px solid var(--ct-line);
    border-radius: var(--ct-radius);
    color: var(--ct-text) !important;
    background: #fff;
    box-shadow: var(--ct-shadow-sm);
    text-decoration: none;
    transition: transform 0.18s ease, box-shadow 0.18s ease;
}

.ct-resource-card:hover {
    transform: translateY(-3px);
    box-shadow: var(--ct-shadow);
}

.ct-resource-card img {
    width: 115px;
}

.ct-resource-card p {
    color: var(--ct-muted);
}

.ct-page-hero {
    overflow: hidden;
    padding: clamp(62px, 8vw, 98px) 0 clamp(105px, 11vw, 140px);
    color: #fff;
    background:
        radial-gradient(circle at 88% 8%, rgba(255, 255, 255, 0.14), transparent 34%),
        linear-gradient(135deg, #0b3658, #1769a3);
}

.ct-page-hero--purple {
    background:
        radial-gradient(circle at 86% 8%, rgba(255, 255, 255, 0.15), transparent 34%),
        linear-gradient(135deg, #32276d, #6956d9);
}

.ct-page-hero--green {
    background:
        radial-gradient(circle at 86% 8%, rgba(255, 255, 255, 0.15), transparent 34%),
        linear-gradient(135deg, #07564c, #0b9270);
}

.ct-page-hero--gold {
    background:
        radial-gradient(circle at 86% 8%, rgba(255, 255, 255, 0.14), transparent 34%),
        linear-gradient(135deg, #6a3b06, #bd720e);
}

.ct-page-hero h1,
.ct-page-hero h2,
.ct-page-hero h3,
.ct-page-hero p {
    color: #fff;
}

.ct-stat-strip {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    overflow: hidden;
    border: 1px solid var(--ct-line);
    border-radius: var(--ct-radius);
    background: #fff;
    box-shadow: var(--ct-shadow);
}

.ct-stat-strip > div {
    display: flex;
    min-height: 145px;
    flex-direction: column;
    justify-content: center;
    padding: 24px 30px;
    border-right: 1px solid var(--ct-line);
}

.ct-stat-strip > div:last-child {
    border-right: 0;
}

.ct-stat-strip span,
.ct-stat-strip small {
    color: var(--ct-muted);
}

.ct-stat-strip strong {
    margin: 4px 0;
    color: var(--ct-navy-deep);
    font-size: clamp(1.45rem, 3vw, 2rem);
}

.ct-content-grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(250px, 340px);
    align-items: start;
    gap: clamp(34px, 6vw, 70px);
}

.ct-content,
.ct-prose {
    min-width: 0;
}

.ct-content > *:first-child,
.ct-prose > *:first-child {
    margin-top: 0;
}

.ct-content h2,
.ct-prose h2 {
    margin-top: 1.8em;
}

.ct-content h3,
.ct-prose h3 {
    margin-top: 1.5em;
}

.ct-content p,
.ct-content li,
.ct-prose p,
.ct-prose li {
    color: #334b60;
}

.ct-sidebar {
    position: sticky;
    top: 102px;
}

.ct-sidebar-card {
    padding: 25px;
    border: 1px solid var(--ct-line);
    border-radius: var(--ct-radius);
    background: #fff;
    box-shadow: var(--ct-shadow-sm);
}

.ct-sidebar-card + .ct-sidebar-card {
    margin-top: 18px;
}

.ct-sidebar-card ul {
    margin-bottom: 0;
    padding-left: 20px;
}

.ct-callout {
    padding: 26px 28px;
    border: 1px solid #bfd8ec;
    border-left: 5px solid var(--ct-blue);
    border-radius: var(--ct-radius-sm);
    background: #f2f8ff;
}

.ct-callout--warning {
    border-color: #f0cf9c;
    border-left-color: var(--ct-gold);
    background: #fff8ed;
}

.ct-callout--danger {
    border-color: #f0b9b5;
    border-left-color: var(--ct-red);
    background: #fff5f4;
}

.ct-callout--success {
    border-color: #a9decf;
    border-left-color: var(--ct-green);
    background: #effaf6;
}

.ct-callout > *:last-child {
    margin-bottom: 0;
}

.ct-numbered-list {
    display: grid;
    gap: 18px;
    margin: 28px 0;
    padding: 0;
    counter-reset: ct-steps;
    list-style: none;
}

.ct-numbered-list > li {
    position: relative;
    min-height: 56px;
    padding: 14px 18px 14px 72px;
    border: 1px solid var(--ct-line);
    border-radius: 13px;
    background: #fff;
    counter-increment: ct-steps;
}

.ct-numbered-list > li::before {
    content: counter(ct-steps);
    position: absolute;
    top: 12px;
    left: 15px;
    display: grid;
    width: 40px;
    height: 40px;
    place-items: center;
    border-radius: 11px;
    color: #fff;
    background: var(--ct-blue);
    font-weight: 800;
}

.ct-table-wrap {
    overflow-x: auto;
    margin: 26px 0;
    border: 1px solid var(--ct-line);
    border-radius: 14px;
    background: #fff;
}

.ct-table {
    width: 100%;
    min-width: 640px;
    border-collapse: collapse;
}

.ct-table th,
.ct-table td {
    padding: 15px 17px;
    border-bottom: 1px solid var(--ct-line);
    text-align: left;
    vertical-align: top;
}

.ct-table th {
    color: var(--ct-navy-deep);
    background: #eef5fb;
    font-size: 0.89rem;
    letter-spacing: 0.015em;
}

.ct-table tr:last-child td {
    border-bottom: 0;
}

.ct-pill {
    display: inline-flex;
    align-items: center;
    padding: 5px 10px;
    border-radius: 999px;
    color: var(--ct-navy);
    background: var(--ct-sky);
    font-size: 0.8rem;
    font-weight: 760;
}

.ct-lender-intro {
    padding: 66px 0 46px;
    color: #fff;
    background: linear-gradient(135deg, #082f4d, #0b5d77);
}

.ct-lender-intro h1,
.ct-lender-intro p {
    color: #fff;
}

.ct-lender-intro p {
    max-width: 780px;
    color: rgba(255, 255, 255, 0.86);
    font-size: 1.08rem;
}

/* Modernize the existing Vue lender component without requiring a new build. */
.ct-lender-page .grid,
.ct-lender-page section.grid {
    width: 100% !important;
    max-width: none !important;
    min-width: 0 !important;
    margin: 0 !important;
    padding: 0 !important;
}

.ct-lender-page section.grid > h1,
.ct-lender-page section.grid > div > h1 {
    margin-bottom: 30px !important;
    color: var(--ct-navy-deep) !important;
    font: inherit !important;
    font-size: clamp(1.65rem, 3vw, 2.4rem) !important;
    font-weight: 760 !important;
}

.ct-lender-page .nnrow {
    display: grid !important;
    grid-template-columns: minmax(145px, 190px) minmax(0, 1fr) minmax(170px, 210px);
    align-items: center;
    gap: 24px;
    min-height: 0 !important;
    margin: 0 0 22px !important;
    padding: 28px !important;
    border: 1px solid var(--ct-line) !important;
    border-radius: var(--ct-radius) !important;
    color: var(--ct-text) !important;
    background: #fff !important;
    box-shadow: var(--ct-shadow-sm) !important;
}

.ct-lender-page .nnrow [class*="col-"] {
    width: auto !important;
    min-width: 0 !important;
    max-width: none !important;
    margin: 0 !important;
    padding: 0 !important;
    float: none !important;
}

.ct-lender-page .nnrow > div:first-child {
    display: flex !important;
    align-items: center;
    justify-content: center;
}

.ct-lender-page .nnimg {
    display: block !important;
    width: auto !important;
    max-width: 170px !important;
    max-height: 75px !important;
    margin: auto !important;
    object-fit: contain;
}

.ct-lender-page .nnbullet {
    display: block !important;
    color: var(--ct-text) !important;
    font-size: 0.95rem;
    line-height: 1.55;
}

.ct-lender-page .nnbullet ul,
.ct-lender-page .mob-det ul {
    margin: 0 !important;
    padding-left: 20px !important;
    list-style: disc !important;
}

.ct-lender-page .nnbullet ul li,
.ct-lender-page .mob-det ul li {
    margin: 0 0 7px !important;
    color: var(--ct-muted) !important;
}

.ct-lender-page .nnbullet ul li::before,
.ct-lender-page .mob-det ul li::before {
    display: none !important;
}

.ct-lender-page .nnapply {
    display: flex !important;
    justify-content: flex-end;
}

.ct-lender-page .nnapply .btn,
.ct-lender-page .nnapply .btn:link,
.ct-lender-page .nnapply .btn:visited {
    display: inline-flex !important;
    min-width: 160px !important;
    min-height: 48px;
    align-items: center;
    justify-content: center;
    padding: 11px 18px !important;
    border-radius: 9px !important;
    color: #fff !important;
    background: var(--ct-blue) !important;
    font-size: 0.95rem !important;
    font-weight: 760 !important;
    text-decoration: none !important;
}

.ct-lender-page .nn-mob {
    display: none !important;
}

.ct-lender-page .nndisc {
    grid-column: 1 / -1;
    width: 100% !important;
    padding-top: 8px;
    border-top: 1px solid var(--ct-line);
}

.ct-lender-page .nndisctgl {
    padding: 10px 0 0 !important;
}

.ct-lender-page .nndisctgl a {
    color: var(--ct-blue-dark) !important;
    font-weight: 720;
}

.ct-lender-page .nndisccnt {
    display: none;
    padding: 16px 0 0 !important;
    color: var(--ct-muted);
    font-size: 0.84rem;
    line-height: 1.55;
}

.ct-lender-page .nndisccnt.is-open {
    display: block !important;
}

.ct-lender-page .mob-det {
    display: none !important;
}

.ct-lender-disclaimer {
    margin-top: 38px;
}

.modal-content {
    overflow: hidden;
    border: 0 !important;
    border-radius: var(--ct-radius) !important;
    box-shadow: var(--ct-shadow) !important;
}

.modal-header,
.modal-body {
    padding: 24px !important;
}

.ct-redirect {
    display: grid;
    min-height: calc(100vh - 76px);
    place-items: center;
    padding: 70px 0;
    background: linear-gradient(145deg, #edf5fb, #f8fbfd);
}

.ct-redirect__card {
    max-width: 650px;
    margin: auto;
    padding: clamp(32px, 6vw, 58px);
    border: 1px solid var(--ct-line);
    border-radius: var(--ct-radius-lg);
    background: #fff;
    box-shadow: var(--ct-shadow);
    text-align: center;
}

.ct-redirect__card .ct-button,
.ct-redirect__card .ct-text-link {
    margin: 6px;
}

.ct-spinner {
    width: 48px;
    height: 48px;
    margin: 0 auto 24px;
    border: 5px solid #d9e6f0;
    border-top-color: var(--ct-blue);
    border-radius: 50%;
    animation: ct-spin 0.9s linear infinite;
}

@keyframes ct-spin {
    to { transform: rotate(360deg); }
}

.ct-not-found {
    display: grid;
    min-height: calc(100vh - 76px);
    place-items: center;
    padding: 70px 0;
}

.ct-not-found__grid {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(260px, 430px);
    align-items: center;
    gap: 50px;
}

.ct-auth-page {
    display: grid;
    min-height: 100vh;
    place-items: center;
    padding: 40px 20px;
    background: linear-gradient(145deg, #eaf4fb, #f8fbfd);
}

.ct-auth-card {
    width: min(100%, 520px);
    padding: 34px;
    border: 1px solid var(--ct-line);
    border-radius: var(--ct-radius);
    background: #fff;
    box-shadow: var(--ct-shadow);
}

.ct-auth-brand {
    display: block;
    width: 230px;
    margin: 0 auto 28px;
}

/* Existing privacy and terms markup. */
.ct-page .grid,
body.ct-site section.grid {
    width: min(calc(100% - 40px), var(--ct-shell));
    max-width: var(--ct-shell);
    min-width: 0;
    margin-inline: auto;
}

body.ct-site section.grid > [class*="col-"] {
    width: 100%;
    max-width: none;
    margin: 0;
    float: none;
}

body.ct-site section.grid .p-5 {
    padding: clamp(28px, 5vw, 56px) !important;
    border: 1px solid var(--ct-line);
    border-radius: var(--ct-radius);
    background: #fff;
    box-shadow: var(--ct-shadow-sm);
}

body.ct-site section.grid .p-5 h1,
body.ct-site section.grid .p-5 h2 {
    overflow-wrap: anywhere;
}

.ct-legal {
    padding: 64px 0 90px;
}

.ct-footer {
    color: rgba(255, 255, 255, 0.82);
    background: var(--ct-navy-deep);
}

.ct-footer__main {
    display: grid;
    grid-template-columns: minmax(250px, 1.15fr) repeat(2, minmax(170px, 0.7fr));
    gap: 48px;
    padding: 62px 0 42px;
}

.ct-footer__brand img {
    width: 220px;
    margin-bottom: 18px;
    filter: brightness(0) invert(1);
}

.ct-footer h2,
.ct-footer h3,
.ct-footer a {
    color: #fff;
}

.ct-footer h3 {
    font-size: 1rem;
    letter-spacing: 0.01em;
}

.ct-footer ul {
    margin: 0;
    padding: 0;
    list-style: none;
}

.ct-footer li {
    margin: 0 0 9px;
}

.ct-footer a {
    text-decoration-color: rgba(255, 255, 255, 0.35);
}

.ct-footer__disclaimer {
    max-width: 780px;
    color: rgba(255, 255, 255, 0.69);
    font-size: 0.85rem;
}

.ct-footer__bottom {
    padding: 20px 0 28px;
    border-top: 1px solid rgba(255, 255, 255, 0.13);
    font-size: 0.86rem;
}

.ct-footer__bottom p {
    margin: 0;
}

@media (max-width: 1000px) {
    .ct-primary-nav__list {
        gap: 0;
    }

    .ct-primary-nav__list a {
        padding-inline: 9px;
        font-size: 0.88rem;
    }

    .ct-step-grid,
    .ct-resource-grid,
    .ct-card-grid,
    .ct-tip-grid,
    .ct-option-grid,
    .ct-comparison-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .ct-rate-grid {
        grid-template-columns: 1fr;
    }

    .ct-rate-card {
        min-height: 120px;
    }
}

@media (max-width: 860px) {
    .ct-header__inner {
        min-height: 68px;
    }

    .ct-brand img {
        width: 200px;
    }

    .ct-nav-toggle {
        display: inline-flex;
    }

    .ct-primary-nav {
        position: absolute;
        top: calc(100% + 1px);
        right: 0;
        left: 0;
        display: none;
        padding: 10px 20px 18px;
        border-bottom: 1px solid var(--ct-line);
        background: #fff;
        box-shadow: 0 15px 30px rgba(16, 43, 66, 0.12);
    }

    .ct-primary-nav.is-open {
        display: block;
    }

    .ct-primary-nav__list {
        display: grid;
        gap: 4px;
        width: min(100%, var(--ct-shell));
        margin-inline: auto;
    }

    .ct-primary-nav__list a {
        width: 100%;
        padding: 10px 12px;
        font-size: 0.97rem;
    }

    .ct-hero__grid,
    .ct-page-hero__grid,
    .ct-form-panel,
    .ct-content-grid,
    .ct-not-found__grid {
        grid-template-columns: 1fr;
    }

    .ct-hero__visual,
    .ct-page-hero__visual {
        order: -1;
    }

    .ct-hero__visual img,
    .ct-page-hero__visual img {
        width: min(78%, 390px);
    }

    .ct-form-panel__intro {
        padding-bottom: 34px;
    }

    .ct-sidebar {
        position: static;
    }

    .ct-lender-page .nnrow {
        grid-template-columns: minmax(140px, 180px) minmax(0, 1fr);
    }

    .ct-lender-page .nnapply {
        grid-column: 1 / -1;
        justify-content: stretch;
    }

    .ct-lender-page .nnapply .btn {
        width: 100% !important;
    }

    .ct-footer__main {
        grid-template-columns: 1fr 1fr;
    }

    .ct-footer__brand {
        grid-column: 1 / -1;
    }
}

@media (max-width: 640px) {
    .ct-shell,
    .ct-page .grid,
    body.ct-site section.grid {
        width: min(calc(100% - 28px), var(--ct-shell));
    }

    body.ct-site h1 {
        font-size: clamp(2rem, 11vw, 3rem);
    }

    .ct-header__inner {
        gap: 12px;
    }

    .ct-brand img {
        width: 170px;
    }

    .ct-nav-toggle__label {
        display: none;
    }

    .ct-hero,
    .ct-page-hero {
        padding-top: 48px;
    }

    .ct-hero__visual img,
    .ct-page-hero__visual img {
        width: min(90%, 320px);
    }

    .ct-hero__actions,
    .ct-check-list--compact {
        display: grid;
    }

    .ct-hero__actions .ct-button {
        width: 100%;
    }

    .ct-section--overlap {
        margin-top: -52px;
    }

    .ct-form-panel,
    .ct-rate-panel,
    .ct-stat-strip,
    .ct-step-card,
    .ct-resource-card,
    .ct-card,
    .ct-tip-card,
    .ct-option-card,
    .ct-comparison-card,
    body.ct-site section.grid .p-5 {
        border-radius: 14px;
    }

    .ct-loan-form,
    .ct-form-panel__intro {
        padding: 26px 21px;
    }

    .ct-step-grid,
    .ct-resource-grid,
    .ct-card-grid,
    .ct-tip-grid,
    .ct-option-grid,
    .ct-comparison-grid,
    .ct-stat-strip {
        grid-template-columns: 1fr;
    }

    .ct-resource-card {
        grid-template-columns: 82px minmax(0, 1fr);
        min-height: 0;
        padding: 21px;
    }

    .ct-resource-card img {
        width: 82px;
    }

    .ct-stat-strip > div {
        min-height: 110px;
        border-right: 0;
        border-bottom: 1px solid var(--ct-line);
    }

    .ct-stat-strip > div:last-child {
        border-bottom: 0;
    }

    .ct-callout {
        padding: 22px 20px;
    }

    .ct-lender-page .nnrow {
        grid-template-columns: 1fr;
        gap: 18px;
        padding: 22px !important;
    }

    .ct-lender-page .nnbullet {
        display: block !important;
    }

    .ct-lender-page .nn-mob {
        display: none !important;
    }

    .ct-lender-page .nnapply,
    .ct-lender-page .nndisc {
        grid-column: 1;
    }

    .ct-lender-page .nnimg {
        max-width: 155px !important;
    }

    .ct-lender-page .mob-det {
        display: none !important;
    }

    .ct-footer__main {
        grid-template-columns: 1fr;
        gap: 30px;
        padding-top: 48px;
    }

    .ct-footer__brand {
        grid-column: auto;
    }
}

@media (prefers-reduced-motion: reduce) {
    html {
        scroll-behavior: auto;
    }

    *,
    *::before,
    *::after {
        scroll-behavior: auto !important;
        transition-duration: 0.01ms !important;
        animation-duration: 0.01ms !important;
        animation-iteration-count: 1 !important;
    }
}

/* Page-specific structures used by the refreshed content. */
.ct-page-hero--blue {
    background:
        radial-gradient(circle at 86% 8%, rgba(255, 255, 255, 0.14), transparent 34%),
        linear-gradient(135deg, #0b3b60, #1769e0);
}

.ct-page-hero--navy {
    background:
        radial-gradient(circle at 86% 8%, rgba(255, 255, 255, 0.14), transparent 34%),
        linear-gradient(135deg, #061f32, #0b456d);
}

.ct-content-layout {
    display: grid;
    grid-template-columns: minmax(0, 1fr) minmax(250px, 330px);
    align-items: start;
    gap: clamp(36px, 6vw, 72px);
}

.ct-article {
    min-width: 0;
}

.ct-article h2 {
    margin-top: 1.8em;
}

.ct-article h2:first-child {
    margin-top: 0;
}

.ct-article h3 {
    margin-top: 1.4em;
}

.ct-article p,
.ct-article li {
    color: #334b60;
}

.ct-card-grid--two {
    grid-template-columns: repeat(2, minmax(0, 1fr));
}

.ct-info-card {
    padding: 27px;
    border: 1px solid var(--ct-line);
    border-radius: var(--ct-radius);
    background: #fff;
    box-shadow: var(--ct-shadow-sm);
}

.ct-info-card > *:last-child {
    margin-bottom: 0;
}

.ct-number-list {
    display: grid;
    gap: 16px;
    margin: 26px 0;
    padding: 0;
    counter-reset: ct-list;
    list-style: none;
}

.ct-number-list > li {
    position: relative;
    min-height: 54px;
    padding: 14px 17px 14px 70px;
    border: 1px solid var(--ct-line);
    border-radius: 13px;
    background: #fff;
    counter-increment: ct-list;
}

.ct-number-list > li::before {
    content: counter(ct-list);
    position: absolute;
    top: 12px;
    left: 14px;
    display: grid;
    width: 40px;
    height: 40px;
    place-items: center;
    border-radius: 11px;
    color: #fff;
    background: var(--ct-blue);
    font-weight: 800;
}

.ct-sidebar-card--accent {
    color: #fff;
    border-color: transparent;
    background: linear-gradient(145deg, #0b3d61, #1769a3);
}

.ct-sidebar-card--accent h2,
.ct-sidebar-card--accent h3,
.ct-sidebar-card--accent p,
.ct-sidebar-card--accent li,
.ct-sidebar-card--accent a {
    color: #fff;
}

.ct-callout--important {
    border-color: #b7b1ea;
    border-left-color: var(--ct-purple);
    background: #f6f4ff;
}

.ct-equation {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    justify-content: center;
    gap: 10px;
    margin: 26px 0;
    padding: 24px;
    border: 1px solid var(--ct-line);
    border-radius: 14px;
    color: var(--ct-navy-deep);
    background: #fff;
    font-weight: 720;
    text-align: center;
}

.ct-equation__result {
    padding: 7px 12px;
    border-radius: 8px;
    color: #fff;
    background: var(--ct-blue);
}

.ct-card-label {
    display: inline-flex;
    margin-bottom: 12px;
    padding: 5px 10px;
    border-radius: 999px;
    color: var(--ct-blue-dark);
    background: var(--ct-sky);
    font-size: 0.78rem;
    font-weight: 800;
    letter-spacing: 0.04em;
    text-transform: uppercase;
}

.ct-product-grid {
    display: grid;
    grid-template-columns: repeat(3, minmax(0, 1fr));
    gap: 22px;
}

.ct-product-card {
    display: flex;
    min-width: 0;
    flex-direction: column;
    padding: 26px;
    border: 1px solid var(--ct-line);
    border-radius: var(--ct-radius);
    background: #fff;
    box-shadow: var(--ct-shadow-sm);
}

.ct-product-card p,
.ct-product-card li {
    color: var(--ct-muted);
}

.ct-product-card .ct-button {
    width: 100%;
    margin-top: auto;
}

.ct-product-card__art {
    display: flex;
    min-height: 105px;
    align-items: center;
    justify-content: center;
    margin: -8px -8px 24px;
    border-radius: 13px;
    color: #fff;
    font-size: 1.15rem;
    font-weight: 820;
    letter-spacing: 0.02em;
}

.ct-product-card__art--discover {
    background: linear-gradient(135deg, #f27121, #1d2533);
}

.ct-product-card__art--capital-one {
    background: linear-gradient(135deg, #004977, #d52030);
}

.ct-product-card__art--bofa {
    background: linear-gradient(135deg, #e31837, #17478b);
}

.ct-disclosure {
    max-width: 900px;
    margin: 26px auto 0;
    color: var(--ct-muted);
    font-size: 0.84rem;
    line-height: 1.55;
    text-align: center;
}

.ct-inline-links {
    display: flex;
    flex-wrap: wrap;
    gap: 12px 22px;
    margin: 20px 0;
    padding: 0;
    list-style: none;
}

.ct-inline-links a {
    font-weight: 720;
}

.ct-empty-state {
    display: grid;
    min-height: calc(100vh - 76px);
    place-items: center;
    padding: 70px 0;
    text-align: center;
}

.ct-empty-state img {
    width: min(100%, 390px);
    margin: 0 auto 20px;
}

.ct-empty-state p {
    color: var(--ct-muted);
    font-size: 1.1rem;
}

.ct-empty-state .ct-hero__actions {
    justify-content: center;
}

.ct-auth-site {
    min-height: 100vh;
    background: var(--ct-bg);
}

.ct-auth-nav {
    display: flex;
    align-items: center;
    gap: 10px;
}

.ct-auth-nav a {
    padding: 8px 11px;
    border-radius: 8px;
    color: var(--ct-navy) !important;
    font-weight: 680;
    text-decoration: none;
}

.ct-auth-nav a:hover {
    background: var(--ct-sky);
}

.ct-auth-main {
    min-height: calc(100vh - 76px);
    padding: 60px 20px;
}

.ct-footer__grid {
    display: grid;
    grid-template-columns: minmax(250px, 1.2fr) repeat(3, minmax(150px, 0.65fr));
    gap: 42px;
    padding: 60px 0 40px;
}

.ct-footer__grid h2 {
    margin-bottom: 16px;
    font-size: 1rem;
    letter-spacing: 0.01em;
}

.ct-footer__brand {
    display: inline-block;
}

.ct-footer__brand img {
    display: block;
    width: 220px;
    max-height: 50px;
    margin-bottom: 18px;
    object-fit: contain;
}

.ct-footer__summary {
    max-width: 390px;
    color: rgba(255, 255, 255, 0.7);
}

.ct-footer__legal {
    display: grid;
    gap: 10px;
    padding: 23px 0 30px;
    border-top: 1px solid rgba(255, 255, 255, 0.13);
    color: rgba(255, 255, 255, 0.62);
    font-size: 0.82rem;
    line-height: 1.55;
}

.ct-footer__legal p {
    margin: 0;
}

@media (max-width: 1000px) {
    .ct-product-grid {
        grid-template-columns: repeat(2, minmax(0, 1fr));
    }

    .ct-footer__grid {
        grid-template-columns: 1fr 1fr;
    }

    .ct-footer__grid > div:first-child {
        grid-column: 1 / -1;
    }
}

@media (max-width: 860px) {
    .ct-content-layout {
        grid-template-columns: 1fr;
    }
}

@media (max-width: 640px) {
    .ct-card-grid--two,
    .ct-product-grid,
    .ct-footer__grid {
        grid-template-columns: 1fr;
    }

    .ct-footer__grid > div:first-child {
        grid-column: auto;
    }

    .ct-auth-nav {
        gap: 1px;
    }

    .ct-auth-nav a {
        padding-inline: 7px;
        font-size: 0.85rem;
    }
}
.ct-hero--home{}
.ct-primary-nav__list a.is-active {
    color: var(--ct-blue-dark) !important;
    background: var(--ct-sky);
}

.ct-auth-main .container {
    width: min(100%, 900px);
}

.ct-auth-main .card {
    overflow: hidden;
    border: 1px solid var(--ct-line);
    border-radius: var(--ct-radius);
    background: #fff;
    box-shadow: var(--ct-shadow);
}

.ct-auth-main .card-header {
    padding: 20px 25px;
    border-bottom: 1px solid var(--ct-line);
    color: var(--ct-navy-deep);
    background: #f4f8fb;
    font-size: 1.15rem;
    font-weight: 760;
}

.ct-auth-main .card-body {
    padding: clamp(24px, 5vw, 42px);
}

.ct-auth-main .form-control {
    min-height: 46px;
    border: 1px solid #b9c9d8;
    border-radius: 8px;
}

.ct-auth-main .form-control:focus {
    border-color: var(--ct-blue);
    box-shadow: 0 0 0 3px rgba(23, 105, 224, 0.14);
}

.ct-auth-main .btn-primary {
    min-height: 44px;
    padding: 10px 18px;
    border: 0;
    border-radius: 8px;
    background: var(--ct-blue) !important;
    font-weight: 730;
}

@media (max-width: 767px) {
    .ct-auth-main .text-md-right {
        text-align: left !important;
    }

    .ct-auth-main .offset-md-4 {
        margin-left: 0;
    }
}

/* ================================================================
   Bootstrap 5.3.8 refinement layer — July 2026
   Loaded after Bootstrap so CollegeTuition.me keeps its brand while
   using current Bootstrap layout, navigation, buttons, and utilities.
   ================================================================ */
:root {
    --bs-primary: #0d63d8;
    --bs-primary-rgb: 13, 99, 216;
    --bs-link-color: #0b58c4;
    --bs-link-hover-color: #083f8d;
    --bs-border-color: #d8e2ec;
    --bs-border-radius: 0.75rem;
    --bs-border-radius-lg: 1rem;
    --bs-body-color: #172b3d;
    --bs-body-bg: #f4f7fb;
    --ct-navy: #082f4b;
    --ct-navy-deep: #041d30;
    --ct-blue: #0d63d8;
    --ct-blue-dark: #084ca8;
    --ct-muted: #4b6276;
    --ct-soft: #f0f5f9;
    --ct-shadow-sm: 0 0.35rem 1.15rem rgba(9, 39, 64, 0.08);
    --ct-shadow: 0 0.9rem 2.5rem rgba(9, 39, 64, 0.12);
    --ct-radius: 1rem;
    --ct-radius-lg: 1.25rem;
}

body.ct-site {
    line-height: 1.6;
}

body.ct-site h1 {
    font-size: clamp(2rem, 4vw, 3.35rem);
    letter-spacing: -0.035em;
}

body.ct-site h2 {
    font-size: clamp(1.6rem, 2.6vw, 2.35rem);
}

body.ct-site h3 {
    letter-spacing: -0.015em;
}

/* Bootstrap 5 navbar */
.ct-header .navbar {
    min-height: 68px;
    padding-block: 0.55rem;
}

.ct-header .navbar-brand {
    margin-right: 1.25rem;
    padding: 0;
}

.ct-header .navbar-brand img {
    width: 210px;
    max-height: 44px;
}

.ct-header .navbar-toggler {
    padding: 0.5rem 0.65rem;
    border-color: #bdcbd8;
    border-radius: 0.7rem;
    box-shadow: none;
}

.ct-header .navbar-toggler:focus {
    box-shadow: 0 0 0 0.22rem rgba(var(--bs-primary-rgb), 0.18);
}

.ct-header .navbar-nav .nav-link {
    margin: 0 0.08rem;
    padding: 0.62rem 0.72rem;
    border-radius: 0.65rem;
    color: #173b57 !important;
    font-size: 0.925rem;
    font-weight: 650;
    line-height: 1.2;
}

.ct-header .navbar-nav .nav-link:hover,
.ct-header .navbar-nav .nav-link:focus-visible {
    color: #064b9d !important;
    background: #eaf3ff;
}

.ct-header .navbar-nav .nav-link.active,
.ct-header .navbar-nav .nav-link[aria-current="page"] {
    color: #fff !important;
    background: var(--bs-primary);
}

/* Smaller, calmer heroes with guaranteed contrast */
.ct-hero {
    padding: clamp(46px, 5vw, 68px) 0 clamp(66px, 7vw, 90px);
    background:
        radial-gradient(circle at 88% 12%, rgba(96, 190, 239, 0.16), transparent 30%),
        linear-gradient(128deg, #05243a 0%, #073b5d 56%, #07516d 100%);
}

.ct-page-hero {
    padding: clamp(42px, 4.7vw, 62px) 0 clamp(62px, 6.5vw, 84px);
    background:
        radial-gradient(circle at 88% 10%, rgba(255, 255, 255, 0.09), transparent 31%),
        linear-gradient(135deg, #062942, #0b5379);
}

.ct-page-hero--blue {
    background:
        radial-gradient(circle at 88% 10%, rgba(255, 255, 255, 0.09), transparent 31%),
        linear-gradient(135deg, #052c50, #0a58b2);
}

.ct-page-hero--navy {
    background:
        radial-gradient(circle at 88% 10%, rgba(255, 255, 255, 0.08), transparent 31%),
        linear-gradient(135deg, #031827, #073b59);
}

.ct-page-hero--purple {
    background:
        radial-gradient(circle at 88% 10%, rgba(255, 255, 255, 0.09), transparent 31%),
        linear-gradient(135deg, #21164f, #49399b);
}

.ct-page-hero--green {
    background:
        radial-gradient(circle at 88% 10%, rgba(255, 255, 255, 0.09), transparent 31%),
        linear-gradient(135deg, #033e37, #08715d);
}

.ct-page-hero--gold {
    background:
        radial-gradient(circle at 88% 10%, rgba(255, 255, 255, 0.08), transparent 31%),
        linear-gradient(135deg, #4b2803, #874804);
}

.ct-hero h1,
.ct-page-hero h1 {
    max-width: 760px;
    margin-bottom: 0.55rem;
    color: #fff !important;
    text-shadow: 0 2px 7px rgba(0, 0, 0, 0.28);
}

.ct-hero h2,
.ct-hero h3,
.ct-page-hero h2,
.ct-page-hero h3 {
    color: #fff !important;
}

.ct-hero .ct-lead,
.ct-page-hero .ct-lead {
    max-width: 700px;
    color: #eef7ff !important;
    font-size: clamp(1.02rem, 1.7vw, 1.18rem);
    line-height: 1.58;
    text-shadow: 0 1px 4px rgba(0, 0, 0, 0.18);
}

.ct-hero .ct-eyebrow,
.ct-page-hero .ct-eyebrow,
.ct-lender-intro .ct-eyebrow {
    margin-bottom: 0.85rem;
    padding: 0.35rem 0.65rem;
    border: 1px solid rgba(255, 255, 255, 0.22);
    border-radius: 999px;
    color: #fff !important;
    background: rgba(255, 255, 255, 0.1);
    letter-spacing: 0.075em;
}

.ct-hero__actions {
    gap: 0.65rem;
    margin: 1.35rem 0 1.15rem;
}

.ct-button,
.ct-button:link,
.ct-button:visited {
    min-height: 46px;
    padding: 0.68rem 1.15rem;
    border-radius: 0.7rem;
    font-weight: 700;
}

.ct-hero .ct-button--primary,
.ct-page-hero .ct-button--primary {
    border-color: #3b8df0;
    background: #1373e6 !important;
    box-shadow: 0 0.45rem 1.1rem rgba(0, 0, 0, 0.18);
}

.ct-hero .ct-button--primary:hover,
.ct-page-hero .ct-button--primary:hover {
    border-color: #62a7f7;
    background: #0f65cc !important;
}

.ct-hero .ct-button--secondary,
.ct-page-hero .ct-button--secondary {
    border-color: #fff;
    color: #062943 !important;
    background: #fff !important;
}

.ct-hero__visual img {
    width: min(100%, 380px);
    max-height: 310px;
    object-fit: contain;
    filter: drop-shadow(0 18px 26px rgba(2, 18, 31, 0.22));
}

.ct-page-hero__visual img {
    width: min(100%, 315px);
    max-height: 245px;
    object-fit: contain;
    filter: drop-shadow(0 16px 22px rgba(2, 18, 31, 0.2));
}

.ct-check-list--compact {
    color: #edf8ff;
}

/* More balanced vertical rhythm */
.ct-section {
    padding: clamp(46px, 5.4vw, 72px) 0;
}

.ct-section--tight {
    padding-top: 34px;
    padding-bottom: 52px;
}

.ct-section--overlap {
    margin-top: -42px;
}

.ct-section-heading {
    margin-bottom: 28px;
}

.ct-section-heading .ct-eyebrow {
    margin-bottom: 0.7rem;
}

.ct-step-grid,
.ct-resource-grid,
.ct-card-grid,
.ct-tip-grid,
.ct-option-grid,
.ct-comparison-grid,
.ct-product-grid {
    gap: 18px;
}

.ct-step-card,
.ct-card,
.ct-tip-card,
.ct-option-card,
.ct-comparison-card,
.ct-info-card,
.ct-product-card {
    padding: 22px;
}

.ct-step-card__number {
    margin-bottom: 15px;
}

.ct-resource-card {
    min-height: 178px;
    gap: 16px;
    padding: 20px;
}

.ct-resource-card img {
    width: 96px;
}

.ct-rate-panel {
    padding: clamp(26px, 4vw, 42px);
}

.ct-rate-grid {
    margin: 22px 0 16px;
}

.ct-rate-card {
    min-height: 132px;
    gap: 14px;
    padding: 20px;
}

.ct-rate-card strong {
    font-size: clamp(1.8rem, 3.2vw, 2.65rem);
}

.ct-stat-strip > div {
    min-height: 116px;
    padding: 20px 24px;
}

.ct-content-layout {
    gap: clamp(28px, 4vw, 48px);
}

.ct-article h2 {
    margin-top: 1.35em;
}

.ct-article h3 {
    margin-top: 1.15em;
}

.ct-number-list {
    margin-block: 20px;
}

.ct-callout,
.ct-equation {
    margin-block: 20px;
}

.ct-form-panel__intro,
.ct-loan-form {
    padding: clamp(26px, 4vw, 42px);
}

.ct-legal {
    padding: 42px 0 62px;
}

body.ct-site section.grid .p-5 {
    padding: clamp(24px, 4vw, 40px) !important;
}

/* Higher-contrast Bootstrap footer */
.ct-footer {
    color: #dce8f2;
    background: #031b2b;
}

.ct-footer__row {
    padding: 48px 0 34px;
}

.ct-footer h2 {
    margin-bottom: 0.85rem;
    color: #fff !important;
    font-size: 0.98rem;
    font-weight: 750;
}

.ct-footer li {
    margin-bottom: 0.48rem;
}

.ct-footer a,
.ct-footer a:link,
.ct-footer a:visited {
    color: #d8ebff !important;
    text-decoration-color: rgba(216, 235, 255, 0.46);
}

.ct-footer a:hover,
.ct-footer a:focus-visible {
    color: #fff !important;
    text-decoration-color: #fff;
}

.ct-footer__summary {
    color: #d1deea;
}

.ct-footer__legal {
    padding: 20px 0 26px;
    border-top-color: rgba(255, 255, 255, 0.2);
    color: #bfcfdd;
}

.ct-footer__brand img {
    margin-bottom: 14px;
    filter: brightness(0) invert(1);
}

/* Bootstrap form and auth polish */
.ct-auth-nav .btn {
    text-decoration: none;
}

.ct-auth-main {
    padding: 44px 20px;
}

.ct-auth-main .card {
    border-radius: 1rem;
}

.ct-loan-form input:not([type="checkbox"]),
.ct-loan-form select,
.ct-auth-main .form-control {
    border-radius: 0.65rem !important;
}

@media (max-width: 1199.98px) {
    .ct-header .navbar-collapse {
        margin-top: 0.55rem;
        padding: 0.35rem 0 0.6rem;
        border-top: 1px solid var(--ct-line);
    }

    .ct-header .navbar-nav .nav-link {
        margin: 0.1rem 0;
        padding: 0.72rem 0.8rem;
    }
}

@media (max-width: 991.98px) {
    .ct-hero__visual,
    .ct-page-hero__visual {
        order: 0;
        justify-content: flex-start;
    }

    .ct-hero__visual img,
    .ct-page-hero__visual img {
        width: min(62%, 285px);
    }
}

@media (max-width: 767.98px) {
    body.ct-site h1 {
        font-size: clamp(1.9rem, 9vw, 2.6rem);
    }

    .ct-header .navbar-brand img {
        width: 174px;
    }

    .ct-hero,
    .ct-page-hero {
        padding-top: 38px;
        padding-bottom: 60px;
    }

    .ct-hero__visual,
    .ct-page-hero__visual {
        display: none;
    }

    .ct-section {
        padding: 42px 0;
    }

    .ct-section--overlap {
        margin-top: -28px;
    }

    .ct-section-heading {
        margin-bottom: 24px;
        text-align: left;
    }

    .ct-footer__row {
        padding-top: 40px;
    }
}

/* July 2026 navigation, form, footer, and content-spacing refinements */
.ct-header,
.ct-header .navbar {
    background: #fff !important;
}

.ct-header {
    -webkit-backdrop-filter: none !important;
    backdrop-filter: none !important;
}

.ct-header .navbar-nav .nav-link,
.ct-header .navbar-nav .nav-link:link,
.ct-header .navbar-nav .nav-link:visited {
    text-decoration: none !important;
}

/* These selectors intentionally outrank the global heading rule. */
body.ct-site .ct-form-panel__intro h2 {
    color: #f8fcff !important;
    text-shadow: 0 1px 4px rgba(0, 0, 0, 0.22);
}

body.ct-site .ct-form-panel__intro p {
    color: #e6f3fb !important;
}

body.ct-site .ct-lender-intro h1 {
    color: #fff !important;
    text-shadow: 0 1px 4px rgba(0, 0, 0, 0.24);
}

body.ct-site .ct-lender-intro p {
    color: #e8f5fb !important;
}

/* Remove the legacy autocomplete icon and make results feel like a modern combobox. */
.ct-loan-form .autocomplete__icon,
.ct-loan-form .autocomplete--clear {
    display: none !important;
}

.ct-loan-form .autocomplete__box,
.ct-loan-form .autocomplete__inputs {
    overflow: visible !important;
    background: transparent !important;
    box-shadow: none !important;
}

.ct-loan-form .autocomplete__inputs {
    display: block !important;
}

.ct-loan-form .autocomplete__results {
    z-index: 1055 !important;
    overflow: hidden auto !important;
    max-height: 310px !important;
    margin-top: 7px !important;
    padding: 6px !important;
    border: 1px solid #c7d5e2 !important;
    border-radius: 12px !important;
    background: #fff !important;
    box-shadow: 0 18px 42px rgba(16, 43, 66, 0.18) !important;
}

.ct-loan-form .autocomplete__results__item {
    display: flex !important;
    min-height: 46px !important;
    align-items: center !important;
    margin: 2px 0 !important;
    padding: 10px 12px !important;
    border: 0 !important;
    border-radius: 8px !important;
    color: #18364f !important;
    background: #fff !important;
    font-size: 0.94rem !important;
    font-weight: 600 !important;
    line-height: 1.35 !important;
    cursor: pointer !important;
}

.ct-loan-form .autocomplete__results__item:hover,
.ct-loan-form .autocomplete__results__item:focus,
.ct-loan-form .autocomplete__results__item--highlighted,
.ct-loan-form .autocomplete__selected {
    color: #073b67 !important;
    background: #eaf4ff !important;
}

body.ct-site .ct-form-note {
    margin: 1.35rem 0 0 !important;
}

.ct-loan-form #search_submit_button.is-loading,
.ct-loan-form #search_submit_button.is-loading:disabled {
    display: flex !important;
    align-items: center !important;
    justify-content: center !important;
    gap: 0.62rem !important;
    opacity: 1 !important;
    background: #0f65cc !important;
    cursor: wait !important;
}

.ct-loan-form #search_submit_button .spinner-border {
    width: 1.05rem;
    height: 1.05rem;
    border-width: 0.16em;
}

/* Restore useful subsection rhythm across all article pages. */
.ct-section--article-start {
    padding-top: clamp(30px, 3.5vw, 44px);
}

body.ct-site .ct-article > h2 {
    margin-top: clamp(2.05rem, 3.2vw, 2.55rem);
}

body.ct-site .ct-article > h2:first-child {
    margin-top: 0;
}

body.ct-site .ct-article > h2.ct-subsection-heading--moderate {
    margin-top: clamp(2.2rem, 3.5vw, 2.7rem);
}

body.ct-site .ct-article > h2.ct-subsection-heading--roomy {
    margin-top: clamp(2.55rem, 4vw, 3.05rem);
}

body.ct-site .ct-article h3 {
    margin-top: 1.35rem;
}

/* Footer links are cleaner without underlines; the new logo has transparency. */
.ct-footer a,
.ct-footer a:link,
.ct-footer a:visited,
.ct-footer a:hover,
.ct-footer a:focus-visible {
    text-decoration: none !important;
}

.ct-footer__brand img {
    width: min(100%, 235px);
    max-height: 48px;
    object-fit: contain;
    filter: none !important;
}

@media (max-width: 767.98px) {
    .ct-loan-form .autocomplete__results {
        max-height: 250px !important;
    }

    body.ct-site .ct-article > h2,
    body.ct-site .ct-article > h2.ct-subsection-heading--moderate,
    body.ct-site .ct-article > h2.ct-subsection-heading--roomy {
        margin-top: 2.15rem;
    }
}