/* In-house HELOC flow (/loans). Light first, like the lender portal it mirrors;
   dark variant follows the site-wide toggle (html[data-theme="dark"]). */
:root {
  --ln-bg: #f4f4f2;
  --ln-card: #ffffff;
  --ln-ink: #16161a;
  --ln-ink-2: #45454d;
  --ln-muted: #6b6b73;
  --ln-line: #e3e3e0;
  --ln-field: #ffffff;
  --ln-field-line: #cfcfcb;
  --ln-soft: #f7f6f1;
  --ln-gold: #c9a227;
  --ln-gold-ink: #7d6210;
  --ln-gold-soft: #fbf6e3;
  --ln-accent: #111111;
  --ln-accent-ink: #ffffff;
  --ln-ok: #1f8a4c;
  --ln-ok-soft: #e7f5ec;
  --ln-warn: #9a5b00;
  --ln-warn-soft: #fff4e0;
  --ln-err: #b42318;
  --ln-err-soft: #fdecea;
  --ln-focus: #c9a227;
  --ln-shadow: 0 1px 2px rgba(0,0,0,.04), 0 8px 28px rgba(0,0,0,.06);
}
html[data-theme="dark"] {
  --ln-bg: #0e0e0f;
  --ln-card: #17171a;
  --ln-ink: #f2f2f0;
  --ln-ink-2: #cfcfcc;
  --ln-muted: #9a9aa0;
  --ln-line: #2a2a2e;
  --ln-field: #111113;
  --ln-field-line: #3a3a40;
  --ln-soft: #1d1d21;
  --ln-gold-ink: #e0bd4a;
  --ln-gold-soft: #221d0b;
  --ln-accent: #c9a227;
  --ln-accent-ink: #111111;
  --ln-ok: #4ade80;
  --ln-ok-soft: #0f2418;
  --ln-warn: #f0b840;
  --ln-warn-soft: #2a1f08;
  --ln-err: #f87171;
  --ln-err-soft: #2a1111;
  --ln-shadow: 0 1px 2px rgba(0,0,0,.4), 0 10px 30px rgba(0,0,0,.35);
}

*, *::before, *::after { box-sizing: border-box; }
html body.ln, html[data-theme] body.ln { margin: 0; background: var(--ln-bg); color: var(--ln-ink); font-family: 'Inter', system-ui, -apple-system, 'Segoe UI', sans-serif; font-size: 15px; line-height: 1.55; -webkit-font-smoothing: antialiased; }
.ln a { color: var(--ln-gold-ink); }
.ln :focus-visible { outline: 3px solid var(--ln-focus); outline-offset: 2px; }

/* Top bar */
.ln-top { background: var(--ln-card); border-bottom: 1px solid var(--ln-line); }
.ln-top-in { max-width: 1040px; margin: 0 auto; padding: 12px 16px; display: flex; align-items: center; justify-content: space-between; gap: 12px; }
.ln-brand { display: flex; align-items: center; gap: 14px; text-decoration: none; color: var(--ln-ink) !important; }
.ln-brand img { width: 64px; height: 64px; border-radius: 50%; background: #fff; box-shadow: 0 0 0 2px var(--ln-gold); }
@media (max-width: 480px) { .ln-brand img { width: 52px; height: 52px; } .ln-brand { gap: 10px; } }
.ln-brand b { font-size: 17px; letter-spacing: -.01em; }
@media (max-width: 480px) { .ln-brand b { font-size: 15px; } }
.ln-brand span { display: block; font-size: 12.5px; color: var(--ln-muted); font-weight: 500; }
.ln-top .nav-right { display: flex; align-items: center; gap: 14px; font-size: 13px; }
.ln-top .nav-right a { color: var(--ln-ink-2); text-decoration: none; font-weight: 600; }

/* Layout */
.ln-wrap { max-width: 760px; margin: 0 auto; padding: 28px 16px 60px; }
.ln-wrap.wide { max-width: 1040px; }
.ln-crumb { font-size: 12.5px; color: var(--ln-muted); margin: 0 0 12px; }
.ln-intro { margin: 0 0 18px; }
.ln-intro h1 { font-size: 28px; line-height: 1.2; letter-spacing: -.02em; margin: 0 0 8px; }
.ln-intro p { margin: 0; color: var(--ln-ink-2); max-width: 600px; }
.ln-pills { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 14px; }
.ln-pill { font-size: 12px; font-weight: 600; padding: 5px 11px; border-radius: 99px; background: var(--ln-card); border: 1px solid var(--ln-line); color: var(--ln-ink-2); }

.ln-card { background: var(--ln-card); border: 1px solid var(--ln-line); border-radius: 16px; box-shadow: var(--ln-shadow); }
.ln-card-head { display: flex; justify-content: space-between; align-items: center; gap: 16px; padding: 22px 26px; border-bottom: 1px solid var(--ln-line); }
.ln-card-head small { display: block; font-size: 12.5px; color: var(--ln-muted); }
.ln-card-head h2 { margin: 2px 0 0; font-size: 24px; letter-spacing: -.02em; }
.ln-card-body { padding: 22px 26px 26px; }

.ln-ring { --p: 33; width: 46px; height: 46px; border-radius: 50%; flex: none; display: grid; place-items: center; font-size: 11.5px; font-weight: 700; color: var(--ln-ink-2);
  background: radial-gradient(closest-side, var(--ln-card) 80%, transparent 81% 100%), conic-gradient(var(--ln-ok) calc(var(--p) * 1%), var(--ln-line) 0); }

/* Sections + fields */
.ln-sec { margin: 0 0 24px; }
.ln-sec:last-child { margin-bottom: 0; }
.ln-sec h3 { font-size: 14px; font-weight: 600; margin: 0 0 4px; color: var(--ln-ink); padding-bottom: 8px; border-bottom: 1px solid var(--ln-line); }
.ln-sec .ln-help { margin: 8px 0 0; }
.ln-help { font-size: 12.5px; color: var(--ln-muted); margin: 5px 0 0; }
.ln-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 12px; margin-top: 12px; }
.c6 { grid-column: span 6; } .c4 { grid-column: span 4; } .c3 { grid-column: span 3; } .c2 { grid-column: span 2; } .c1 { grid-column: span 1; }
@media (max-width: 640px) { .c4, .c3 { grid-column: span 6; } .c2, .c1 { grid-column: span 3; } }

.fld { position: relative; }
.fld label { display: block; font-size: 12px; font-weight: 600; color: var(--ln-ink-2); margin: 0 0 5px; }
.fld label i { font-style: normal; font-weight: 400; color: var(--ln-muted); }
.fld input, .fld select, .fld textarea { width: 100%; font: inherit; font-size: 15px; color: var(--ln-ink); background: var(--ln-field); border: 1px solid var(--ln-field-line); border-radius: 10px; padding: 11px 12px; min-height: 46px; transition: border-color .15s, box-shadow .15s; }
.fld select { appearance: none; background-image: linear-gradient(45deg, transparent 50%, var(--ln-muted) 50%), linear-gradient(135deg, var(--ln-muted) 50%, transparent 50%); background-position: calc(100% - 18px) 50%, calc(100% - 13px) 50%; background-size: 5px 5px; background-repeat: no-repeat; padding-right: 34px; }
.fld input:focus, .fld select:focus, .fld textarea:focus { outline: none; border-color: var(--ln-gold); box-shadow: 0 0 0 3px rgba(201,162,39,.22); }
.fld .in { position: relative; display: block; }
/* Address autocomplete (loans-places.js) */
.ac-list { position: absolute; left: 0; right: 0; top: 100%; margin: 4px 0 0; padding: 4px; list-style: none; background: var(--ln-card); border: 1px solid var(--ln-field-line); border-radius: 10px; box-shadow: var(--ln-shadow); z-index: 30; }
.ac-list[hidden] { display: none; }
.ac-list li { padding: 9px 10px; border-radius: 7px; cursor: pointer; font-size: 14px; color: var(--ln-ink); line-height: 1.35; }
.ac-list li small { display: block; font-size: 12px; color: var(--ln-muted); }
.ac-list li[aria-selected="true"], .ac-list li:hover { background: var(--ln-gold-soft); }
.ac-list .ac-foot { cursor: default; padding: 4px 10px 2px; font-size: 10.5px; color: var(--ln-muted); text-align: right; }
.ac-list .ac-foot:hover { background: none; }
.fld .pre { position: absolute; left: 12px; top: 50%; transform: translateY(-50%); color: var(--ln-muted); font-size: 15px; pointer-events: none; }
.fld .pre + input { padding-left: 26px; }
.fld .suf { position: absolute; right: 12px; top: 50%; transform: translateY(-50%); color: var(--ln-muted); }
.fld.err input, .fld.err select { border-color: var(--ln-err); }
.fld .msg { font-size: 12.5px; color: var(--ln-err); margin: 5px 0 0; }
.hp { position: absolute !important; left: -9999px !important; width: 1px; height: 1px; overflow: hidden; }

.ln-check { display: flex; gap: 11px; align-items: flex-start; padding: 12px 0; font-size: 13.5px; color: var(--ln-ink-2); line-height: 1.55; }
.ln-check input { width: 20px; height: 20px; margin: 1px 0 0; flex: none; accent-color: var(--ln-accent); }
.ln-check.err { color: var(--ln-err); }
.ln-consents { border-top: 1px solid var(--ln-line); margin-top: 8px; padding-top: 6px; }

/* Buttons */
.ln-actions { display: flex; justify-content: flex-end; gap: 10px; flex-wrap: wrap; margin-top: 22px; }
.btn { font: inherit; font-weight: 700; font-size: 15px; border-radius: 99px; padding: 12px 26px; min-height: 46px; cursor: pointer; border: 1px solid transparent; text-decoration: none !important; display: inline-flex; align-items: center; justify-content: center; gap: 8px; }
.btn-dark { background: var(--ln-accent); color: var(--ln-accent-ink) !important; }
.btn-dark:hover { filter: brightness(1.15); }
.btn-line { background: transparent; color: var(--ln-ink) !important; border-color: var(--ln-field-line); }
.btn-line:hover { border-color: var(--ln-ink); }
.btn[disabled] { opacity: .5; cursor: not-allowed; }

.ln-alert { border-radius: 12px; padding: 12px 16px; font-size: 13.5px; margin: 0 0 16px; }
.ln-alert.err { background: var(--ln-err-soft); color: var(--ln-err); }
.ln-alert.ok { background: var(--ln-ok-soft); color: var(--ln-ok); }
.ln-alert.gold { background: var(--ln-gold-soft); color: var(--ln-ink); border: 1px solid rgba(201,162,39,.35); }

/* Confirm table */
.ln-two { display: grid; grid-template-columns: 1fr 1fr; gap: 26px; }
@media (max-width: 700px) { .ln-two { grid-template-columns: 1fr; } }
.ln-kv { width: 100%; border-collapse: collapse; font-size: 13.5px; margin: 8px 0 20px; }
.ln-kv caption { text-align: left; font-weight: 700; font-size: 13.5px; padding: 0 0 8px; }
.ln-kv th, .ln-kv td { padding: 8px 12px; text-align: left; vertical-align: top; }
.ln-kv th { font-weight: 600; color: var(--ln-ink-2); width: 48%; }
.ln-kv tr:nth-child(odd) { background: var(--ln-soft); }
.ln-kv td { word-break: break-word; }

/* Offers */
.ln-h { font-size: 15px; font-weight: 700; margin: 0 0 10px; }
.ln-cash { display: flex; align-items: center; gap: 12px; }
.ln-cash .fld { flex: 0 1 260px; }
.ln-range { width: 100%; max-width: 420px; margin: 14px 0 4px; accent-color: var(--ln-ok); height: 28px; }
.ln-range-ends { display: flex; justify-content: space-between; max-width: 420px; font-size: 12px; color: var(--ln-muted); }
.ln-tiers { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 10px; margin: 12px 0 6px; }
.ln-tier { position: relative; border: 1px solid var(--ln-field-line); border-radius: 12px; padding: 12px 14px 12px 40px; cursor: pointer; background: var(--ln-field); }
.ln-tier input { position: absolute; left: 14px; top: 15px; width: 17px; height: 17px; accent-color: var(--ln-accent); margin: 0; }
.ln-tier b { display: block; font-size: 15px; }
.ln-tier span { font-size: 12.5px; color: var(--ln-muted); }
.ln-tier:has(input:checked) { border-color: var(--ln-ink); box-shadow: 0 0 0 1px var(--ln-ink); }
.ln-cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(140px, 1fr)); gap: 10px; margin: 10px 0 4px; }
.ln-opt { border: 1px solid var(--ln-field-line); border-radius: 14px; text-align: center; padding: 14px 10px 12px; background: var(--ln-field); }
.ln-opt .pay { font-weight: 800; font-size: 15.5px; }
.ln-opt .r, .ln-opt .t { font-size: 13px; color: var(--ln-ink-2); padding: 6px 0; border-top: 1px solid var(--ln-line); margin-top: 8px; }
.ln-opt .t { margin-top: 0; }
.ln-opt button { margin-top: 8px; width: 100%; font: inherit; font-weight: 700; font-size: 13.5px; padding: 8px; border-radius: 99px; border: 1px solid var(--ln-ink); background: transparent; color: var(--ln-ink); cursor: pointer; min-height: 40px; }
.ln-opt.on { border-color: var(--ln-ink); box-shadow: 0 0 0 1px var(--ln-ink); }
.ln-opt.on button { background: var(--ln-accent); color: var(--ln-accent-ink); border-color: var(--ln-accent); }
.ln-break { border: 1px solid var(--ln-line); border-radius: 14px; padding: 6px 18px; margin: 12px 0; }
.ln-break .row { display: flex; justify-content: space-between; gap: 14px; padding: 10px 0; border-bottom: 1px solid var(--ln-line); font-size: 14px; }
.ln-break .row:last-child { border-bottom: 0; }
.ln-break .row b { font-weight: 700; white-space: nowrap; }
.ln-break .sub { font-size: 12px; color: var(--ln-muted); display: block; }
.ln-break details summary { cursor: pointer; font-size: 12.5px; color: var(--ln-muted); }
.ln-break details .row { font-size: 13px; padding: 6px 0; border: 0; color: var(--ln-ink-2); }
.ln-sep { border: 0; border-top: 1px solid var(--ln-line); margin: 24px 0; }

/* Waiting */
.ln-wait { text-align: center; padding: 44px 26px; }
.ln-spin { width: 46px; height: 46px; border-radius: 50%; border: 4px solid var(--ln-line); border-top-color: var(--ln-gold); margin: 0 auto 18px; animation: lnspin 1s linear infinite; }
@keyframes lnspin { to { transform: rotate(360deg); } }
@media (prefers-reduced-motion: reduce) { .ln-spin { animation: none; border-top-color: var(--ln-gold); } }
.ln-steps { list-style: none; margin: 22px auto 0; padding: 0; max-width: 360px; text-align: left; }
.ln-steps li { display: flex; gap: 10px; align-items: center; padding: 7px 0; font-size: 14px; color: var(--ln-ink-2); }
.ln-dot { width: 20px; height: 20px; border-radius: 50%; flex: none; display: grid; place-items: center; font-size: 11px; font-weight: 700; color: #fff; background: var(--ln-ok); }
.ln-dot.todo { background: transparent; border: 2px solid var(--ln-field-line); color: var(--ln-muted); }
.ln-dot.now { background: var(--ln-gold); color: #111; }

/* Tracker */
.ln-track { display: grid; grid-template-columns: 1fr 320px; gap: 18px; align-items: start; }
@media (max-width: 860px) { .ln-track { grid-template-columns: 1fr; } }
.ln-ms { list-style: none; margin: 0; padding: 0; }
.ln-ms li { display: grid; grid-template-columns: 24px 1fr; gap: 12px; padding: 0 0 16px; position: relative; }
.ln-ms li::before { content: ''; position: absolute; left: 11px; top: 24px; bottom: 0; width: 2px; background: var(--ln-line); }
.ln-ms li:last-child::before { display: none; }
.ln-ms .ln-dot { width: 24px; height: 24px; position: relative; z-index: 1; }
.ln-ms b { display: block; font-size: 14.5px; }
.ln-ms small { display: block; font-size: 12.5px; color: var(--ln-muted); }
.ln-ms .act { margin-top: 6px; font-size: 13px; background: var(--ln-gold-soft); border: 1px solid rgba(201,162,39,.35); border-radius: 10px; padding: 8px 11px; color: var(--ln-ink); }
.ln-ms li.todo b { color: var(--ln-muted); font-weight: 600; }
.ln-side .ln-card { margin-bottom: 16px; }
.ln-side .ln-card-body { padding: 18px 20px; }
.ln-mini { font-size: 13.5px; }
.ln-mini .row { display: flex; justify-content: space-between; gap: 10px; padding: 6px 0; border-bottom: 1px solid var(--ln-line); }
.ln-mini .row:last-child { border-bottom: 0; }
.ln-docs { list-style: none; margin: 8px 0 0; padding: 0; font-size: 13px; }
.ln-docs li { padding: 5px 0; border-bottom: 1px dashed var(--ln-line); word-break: break-all; }
.ln-file { display: block; width: 100%; font: inherit; font-size: 13.5px; padding: 12px; border: 1.5px dashed var(--ln-field-line); border-radius: 12px; background: var(--ln-soft); color: var(--ln-ink-2); }

/* Footer */
.ln-foot { max-width: 1040px; margin: 0 auto; padding: 22px 16px 40px; font-size: 11.5px; color: var(--ln-muted); line-height: 1.7; border-top: 1px solid var(--ln-line); }
.ln-foot a { color: var(--ln-muted); }

@media (max-width: 560px) {
  .ln-card-head, .ln-card-body { padding-left: 18px; padding-right: 18px; }
  .ln-intro h1 { font-size: 23px; }
  .ln-actions .btn { flex: 1 1 auto; }
}
.ln-ms li.todo .act b { color: var(--ln-ink); font-weight: 700; }

/* Header phone never wraps mid-number */
.ln-top a[href^="tel:"] { white-space: nowrap; }

/* Instant estimate card (waiting screen) */
.ln-est { text-align: left; max-width: 520px; margin: 22px auto 6px; padding: 18px 20px; border: 1px solid var(--ln-gold); border-radius: 14px; background: var(--ln-gold-soft); }
.ln-est-k { margin: 0 0 4px; font-size: 12px; font-weight: 700; letter-spacing: .06em; text-transform: uppercase; color: var(--ln-gold-ink); }
.ln-est-big { margin: 0 0 8px; font-size: 30px; font-weight: 800; color: var(--ln-ink); line-height: 1.15; }
.ln-est-line { margin: 0 0 6px; font-size: 15px; color: var(--ln-ink-2); }
.ln-est-notes { margin: 8px 0 0; padding-left: 18px; font-size: 13px; color: var(--ln-ink-2); }
.ln-est-fine { margin: 12px 0 0; font-size: 12px; line-height: 1.5; color: var(--ln-muted); }

/* Partner-link referrer (locked) */
.fld .lbl { display: block; font-size: 12px; font-weight: 600; color: var(--ln-ink-2); margin: 0 0 5px; }
.ln-ref-locked { margin: 0; padding: 11px 12px; min-height: 46px; border: 1px dashed var(--ln-field-line); border-radius: 10px; background: var(--ln-soft); font-size: 15px; color: var(--ln-ink); }
/* Phones: keep the brand name on one line next to the bigger logo */
.ln-brand b, .ln-brand span { white-space: nowrap; }
@media (max-width: 420px) {
  .ln-top-in { gap: 8px; padding: 10px 12px; }
  .ln-brand { gap: 8px; }
  .ln-brand img { width: 48px; height: 48px; }
  .ln-brand b { font-size: 14px; }
  .ln-brand span { font-size: 11px; }
  .ln-top .nav-right { gap: 8px; font-size: 12px; }
}
@media (max-width: 350px) {
  .ln-brand span { display: none; }
  .ln-top-in { gap: 6px; padding: 10px; }
  .ln-brand { gap: 6px; }
  .ln-brand img { width: 42px; height: 42px; }
  .ln-brand b { font-size: 13px; }
  .ln-top .nav-right { gap: 6px; font-size: 11.5px; }
}