/* Home Loan page. Self-contained (.hl-*): sage + forest on warm cream, house scene, cash calculator,
   expanding panels, stepper, roof pillars, folders, searchable FAQ. Distinct from the other product pages. */
.hl{--forest:#1B5646;--sage:#2F7D69;--sage-2:#4E9C84;--mint:#E3F1EA;--cream:#FAF6EE;--sun:#F3C969;--sun-d:#D9A03A;--ink:#0F2233;--muted:#52606B;--line:#E0E6DF;color:var(--ink)}
.hl h1,.hl h2,.hl h3{font-family:'Manrope',Arial,sans-serif;margin:0;color:var(--ink)}
.hl :where(p){margin:0;color:var(--muted);line-height:1.65}
.hl [id]{scroll-margin-top:96px}
.hl [hidden]{display:none!important}

/* Buttons */
.hl-btn{display:inline-flex;align-items:center;gap:8px;padding:13px 24px;border-radius:14px;font-weight:700;font-size:15px;text-decoration:none;border:1.5px solid transparent;transition:transform .18s ease,box-shadow .18s ease,background .18s ease}
.hl-btn:hover{transform:translateY(-2px)}
.hl-btn-solid{background:var(--sage);color:#fff;box-shadow:0 10px 22px rgba(47,125,105,.3)}
.hl-btn-solid:hover{background:var(--forest)}
.hl-btn-ghost{border-color:var(--forest);color:var(--forest);background:#fff}
.hl-btn-ghost:hover{background:var(--forest);color:#fff}
.hl-btn-sun{background:var(--sun);color:#2A1E05}
.hl-btn-sun:hover{background:#F8D98A}

/* Hero */
.hl-hero{padding:48px 0 40px;background:linear-gradient(180deg,var(--mint),var(--cream) 70%,#fff)}
.hl-hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.hl-chip{display:inline-flex;align-items:center;gap:7px;padding:6px 12px;border-radius:999px;background:#fff;border:1px solid var(--line);color:var(--sage);font-size:12px;font-weight:800;letter-spacing:.13em;margin-bottom:16px}
.hl-hero h1{font-size:clamp(34px,4.2vw,52px);line-height:1.06;letter-spacing:-.035em;font-weight:800}
.hl-hero .theme-emphasis{color:var(--sage)}
.hl-hero-copy>p{font-size:17px;margin-top:16px;max-width:540px}
.hl-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.hl-scene{position:relative;max-width:520px;margin-left:auto;width:100%}
.hl-scene svg{display:block;width:100%;height:auto;border-radius:28px;box-shadow:0 22px 48px rgba(27,86,70,.18)}
.hl-tag{position:absolute;background:#fff;border-radius:14px;padding:10px 14px;box-shadow:0 12px 26px rgba(15,34,51,.14);border:1px solid var(--line)}
.hl-tag small{display:block;font-size:10.5px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted);font-weight:700}
.hl-tag b{display:block;font-size:14px;margin-top:1px}
.hl-tag-a{left:-16px;top:22%}
.hl-tag-b{right:-12px;bottom:14%}
.hl-facts{list-style:none;margin:32px 0 0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.hl-facts li{display:flex;gap:12px;align-items:center;padding:14px 16px;background:#fff;border:1px solid var(--line);border-radius:16px}
.hl-facts li>span{width:40px;height:40px;border-radius:12px;display:grid;place-items:center;flex:none;background:var(--mint);color:var(--sage)}
.hl-facts li:nth-child(2)>span{background:#FCEFCB;color:#B7791F}
.hl-facts li:nth-child(3)>span{background:#DCEAF3;color:#3B78B0}
.hl-facts li:nth-child(4)>span{background:#F6E4DA;color:#B0603A}
.hl-facts b{display:block;font-size:14.5px}
.hl-facts small{display:block;font-size:12px;color:var(--muted);line-height:1.35;margin-top:1px}

/* Sections */
.hl-section{padding:56px 0}
.hl-cream{background:var(--cream)}
.hl-head{max-width:680px;margin-bottom:28px}
.hl-center{margin-left:auto;margin-right:auto;text-align:center}
.hl-eyebrow{display:inline-block;font-size:12px;font-weight:800;letter-spacing:.14em;color:var(--sun-d);margin-bottom:8px}
.hl-head h2{font-size:clamp(25px,2.7vw,35px);line-height:1.15;letter-spacing:-.03em;font-weight:800}
.hl-head p{margin-top:10px;font-size:16px}

/* Cash calculator */
.hl-cash{display:grid;grid-template-columns:.85fr 1.15fr;gap:48px;align-items:center}
.hl-cash .hl-head{margin-bottom:0}
.hl-calc{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px 30px;box-shadow:0 20px 44px rgba(27,86,70,.1);display:grid;gap:18px}
.hl-calc label>span{display:flex;justify-content:space-between;align-items:baseline;font-size:14px;font-weight:600;margin-bottom:8px}
.hl-calc label>span b{font-size:19px;letter-spacing:-.02em;color:var(--forest)}
.hl input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:8px;padding:0;margin:0;border:0;border-radius:99px;outline:0;cursor:pointer;background:linear-gradient(90deg,var(--sage-2) var(--fill,30%),#DDE8E2 var(--fill,30%))}
.hl input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;border-radius:50%;background:#fff;border:4px solid var(--sage);box-shadow:0 3px 10px rgba(27,86,70,.35)}
.hl input[type=range]::-moz-range-thumb{width:16px;height:16px;border-radius:50%;background:#fff;border:4px solid var(--sage)}
.hl input[type=range]:focus-visible{outline:3px solid rgba(47,125,105,.35);outline-offset:6px}
.hl-stack{display:flex;height:22px;border-radius:99px;overflow:hidden;background:#EEF2EF;margin-top:4px}
.hl-stack i{display:block;height:100%;transition:width .2s ease}
.s-loan{background:var(--forest)}.s-contrib{background:var(--sage-2)}.s-extra{background:var(--sun)}
.hl-legend{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.hl-legend li{display:flex;align-items:center;gap:10px;font-size:14px;color:var(--muted)}
.hl-legend li i{width:12px;height:12px;border-radius:4px;flex:none}
.hl-legend li b{margin-left:auto;color:var(--ink);font-size:15px}
.hl-cashneed{display:flex;align-items:center;justify-content:space-between;background:var(--forest);color:#fff;border-radius:16px;padding:16px 20px}
.hl-cashneed small{font-size:11.5px;font-weight:800;letter-spacing:.12em;color:var(--sun)}
.hl-cashneed strong{font-size:28px;letter-spacing:-.03em;font-weight:800;color:#fff}
.hl-fine{font-size:12px!important;line-height:1.5!important}

/* Stepper */
.hl-steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(6,1fr);gap:0;position:relative}
.hl-steps::before{content:"";position:absolute;left:8.33%;right:8.33%;top:29px;height:3px;background:repeating-linear-gradient(90deg,var(--sage-2) 0 8px,transparent 8px 16px)}
.hl-steps li{position:relative;text-align:center;padding:0 10px}
.hl-node{position:relative;width:58px;height:58px;border-radius:50%;background:#fff;border:3px solid var(--sage);color:var(--sage);display:grid;place-items:center;margin:0 auto 14px}
.hl-node b{position:absolute;top:-6px;right:-6px;width:22px;height:22px;border-radius:50%;background:var(--sun);color:#2A1E05;font-size:11.5px;display:grid;place-items:center}
.hl-steps h3{font-size:15.5px;font-weight:800;letter-spacing:-.01em}
.hl-steps p{font-size:13.5px;line-height:1.5;margin-top:5px}

/* Expanding panels */
.hl-acc{display:flex;gap:12px;height:340px}
.hl-panel{position:relative;flex:1 1 0;min-width:0;border-radius:22px;overflow:hidden;transition:flex-grow .45s ease;display:flex;flex-direction:column}
.hl-panel.pn1{background:#DDF0E6}.hl-panel.pn2{background:#FCEBCB}.hl-panel.pn3{background:#DCEAF3}.hl-panel.pn4{background:#F1E6D6}
.hl-acc.is-js .hl-panel.is-open{flex-grow:4.2}
.hl-panel>button{all:unset;box-sizing:border-box;cursor:pointer;display:flex;align-items:center;gap:14px;padding:22px 14px;flex-direction:column}
.hl-panel.is-open>button{padding:20px}
.hl-panel.is-open>button{flex-direction:row}
.hl-pico{width:50px;height:50px;border-radius:16px;background:#fff;display:grid;place-items:center;flex:none}
.pn1 .hl-pico{color:var(--forest)}.pn2 .hl-pico{color:#B7791F}.pn3 .hl-pico{color:#3B78B0}.pn4 .hl-pico{color:#8A6635}
.hl-ptitle{font-weight:800;font-size:16px;line-height:1.25;letter-spacing:-.01em;color:var(--ink);text-align:center}
.hl-panel.is-open .hl-ptitle{font-size:19px;text-align:left}
.hl-panel>button:focus-visible{outline:3px solid rgba(47,125,105,.5);outline-offset:-4px;border-radius:22px}
.hl-pbody{padding:0 24px 24px;opacity:0;visibility:hidden;transition:opacity .3s ease .1s;min-width:300px}
.hl-panel.is-open .hl-pbody{opacity:1;visibility:visible}
.hl-acc:not(.is-js) .hl-pbody{opacity:1;visibility:visible}
.hl-pbody h3{display:none}
.hl-pbody p{color:#3E4C57;font-size:15px}
.hl-good{margin:16px 0 14px;padding:12px 14px;background:rgba(255,255,255,.7);border-radius:12px;font-size:14px;display:grid;gap:2px}
.hl-good b{font-size:11.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.hl-link{display:inline-flex;align-items:center;gap:6px;font-weight:700;font-size:14.5px;color:var(--forest);text-decoration:none}
.hl-link:hover{gap:10px}

/* Roof pillars */
.hl-pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.hl-pillars article{display:flex;flex-direction:column}
.hl-roof{height:74px;margin:0 -8px -1px;clip-path:polygon(0 100%,50% 0,100% 100%);background:linear-gradient(135deg,var(--sage),var(--forest));position:relative;z-index:1}
.pl2 .hl-roof{background:linear-gradient(135deg,#C9962F,#A87A1E)}
.pl3 .hl-roof{background:linear-gradient(135deg,#5C8EA6,#3B6F8C)}
.pl4 .hl-roof{background:linear-gradient(135deg,#B0603A,#8F4A29)}
.hl-roof span{position:absolute;left:50%;bottom:10px;transform:translateX(-50%);color:#fff}
.hl-wall{flex:1;background:#fff;border:1px solid var(--line);border-top:0;border-radius:0 0 18px 18px;padding:18px 20px 22px;box-shadow:0 10px 24px rgba(15,34,51,.05)}
.hl-wall h3{font-size:17px;font-weight:800;margin-bottom:6px}
.hl-wall p{font-size:14px;line-height:1.55}

/* Folders */
.hl-folders{display:grid;grid-template-columns:1fr 1fr;gap:24px;padding-top:6px}
.hl-folder{position:relative;background:#fff;border:1px solid var(--line);border-radius:0 20px 20px 20px;padding:32px 26px 24px;box-shadow:0 12px 26px rgba(15,34,51,.06)}
.hl-tab{position:absolute;left:-1px;top:-32px;display:flex;align-items:center;gap:8px;padding:8px 18px;border-radius:14px 14px 0 0;background:var(--sage);color:#fff;font-weight:800;font-size:14px}
.f2 .hl-tab{background:var(--sun-d);color:#2A1E05}
.hl-folder ul{list-style:none;margin:0;padding:0;display:grid;gap:11px}
.hl-folder li{display:flex;gap:10px;align-items:flex-start;font-size:15px;line-height:1.45}
.hl-folder li svg{color:var(--sage);margin-top:3px;flex:none}

/* Beyond the rate */
.hl-beyond{background:linear-gradient(135deg,#0F3F35,var(--forest));color:#fff;padding:52px 0}
.hl-beyond .container{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.hl-iceberg{border-radius:22px;overflow:hidden;background:#fff;box-shadow:0 22px 50px rgba(0,0,0,.28)}
.hl-top{padding:20px 26px;background:linear-gradient(180deg,#F3FAF7,#DCEFE7)}
.hl-top small,.hl-under small{display:block;font-size:11px;letter-spacing:.13em;font-weight:800;color:var(--sage)}
.hl-top strong{display:block;font-size:22px;letter-spacing:-.02em;color:var(--ink);margin-top:2px}
.hl-under{padding:20px 26px 24px;background:#0F2233}
.hl-under small{color:var(--sun)}
.hl-under ul{list-style:none;margin:12px 0 0;padding:0;display:grid;gap:10px}
.hl-under li{display:flex;gap:10px;align-items:flex-start;font-size:15px;line-height:1.45;color:#E7EEF0;font-weight:600}
.hl-under li svg{color:var(--sun);margin-top:3px;flex:none}
.hl-beyond .hl-eyebrow{color:var(--sun)}
.hl-beyond h2{color:#fff;font-size:clamp(24px,2.6vw,33px);line-height:1.18;letter-spacing:-.03em;margin:4px 0 12px}
.hl .hl-beyond p{color:rgba(255,255,255,.8);font-size:16px}

/* FAQ */
.hl-faq{max-width:820px}
.hl-search{position:relative;margin-bottom:16px}
.hl-search svg{position:absolute;left:18px;top:50%;transform:translateY(-50%);color:var(--sage)}
.hl .hl-search input{width:100%;height:52px;padding:0 20px 0 48px;border:1.5px solid var(--line);border-radius:999px;font:inherit;font-size:15.5px;color:var(--ink);background:#fff;box-shadow:none}
.hl .hl-search input:focus{outline:0;border-color:var(--sage);box-shadow:0 0 0 4px rgba(47,125,105,.14)}
.hl-qlist{display:grid;gap:10px}
.hl .hl-qlist details{border:1px solid var(--line)!important;border-radius:18px!important;background:#fff!important;padding:0;transition:border-color .2s ease,box-shadow .2s ease}
.hl .hl-qlist details[open]{border-color:var(--sage-2)!important;box-shadow:0 10px 24px rgba(27,86,70,.09)}
.hl .hl-qlist summary{display:flex;grid-template-columns:none;flex-direction:row;align-items:center;justify-content:space-between;gap:16px;margin:0;padding:16px 22px;cursor:pointer;list-style:none;color:var(--ink)!important}
.hl .hl-qlist summary::-webkit-details-marker{display:none}
.hl-qlist summary b{font-size:16px;font-weight:700;line-height:1.4}
.hl-qlist summary span{flex:none;width:30px;height:30px;border-radius:50%;background:var(--mint);position:relative;transition:background .2s ease}
.hl-qlist summary span::before,.hl-qlist summary span::after{content:"";position:absolute;left:50%;top:50%;width:12px;height:2px;background:var(--sage);transform:translate(-50%,-50%);transition:transform .2s ease}
.hl-qlist summary span::after{transform:translate(-50%,-50%) rotate(90deg)}
.hl-qlist details[open] summary span{background:var(--sage)}
.hl-qlist details[open] summary span::before,.hl-qlist details[open] summary span::after{background:#fff}
.hl-qlist details[open] summary span::after{transform:translate(-50%,-50%) rotate(0)}
.hl-qlist details p{padding:0 22px 18px;font-size:15px;max-width:680px}
.hl-qlist summary:focus-visible{outline:3px solid rgba(47,125,105,.4);outline-offset:2px;border-radius:14px}
.hl .hl-empty{text-align:center;padding:16px;font-size:14.5px}

/* CTA + related */
.hl-cta{background:linear-gradient(135deg,var(--sage),var(--forest));padding:34px 0}
.hl-cta .container{display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}
.hl-cta small{display:block;font-size:11.5px;font-weight:800;letter-spacing:.14em;color:var(--sun);margin-bottom:6px}
.hl-cta h2{color:#fff;font-size:clamp(21px,2.4vw,29px);max-width:640px;line-height:1.22;letter-spacing:-.02em}
.hl-related{padding:32px 0 48px}

/* Tablet & mobile */
@media (max-width:1024px){
  .hl-facts{grid-template-columns:repeat(2,1fr)}
  .hl-steps{grid-template-columns:repeat(3,1fr);gap:26px 0}
  .hl-steps::before{display:none}
  .hl-pillars{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:820px){
  .hl-hero{padding:34px 0 30px}
  .hl-hero-grid,.hl-cash,.hl-beyond .container,.hl-folders{grid-template-columns:1fr;gap:28px}
  .hl-scene{margin:0 auto}
  .hl-tag-a{left:6px}.hl-tag-b{right:6px}
  .hl-section{padding:44px 0}
  .hl-folders{gap:40px;padding-top:32px}
  /* panels become an accordion */
  .hl-acc{flex-direction:column;height:auto}
  .hl-panel{flex:none!important}
  .hl-panel>button,.hl-panel.is-open>button{flex-direction:row;width:100%;padding:16px 18px}
  .hl-ptitle,.hl-panel.is-open .hl-ptitle{text-align:left}
  .hl-pbody{display:none;min-width:0;opacity:1;visibility:visible;padding:0 20px 20px}
  .hl-panel.is-open .hl-pbody{display:block}
  .hl-acc:not(.is-js) .hl-pbody{display:block}
}
@media (max-width:560px){
  .hl-facts,.hl-pillars{grid-template-columns:1fr}
  .hl-steps{grid-template-columns:repeat(2,1fr)}
  .hl-actions .hl-btn{width:100%;justify-content:center}
  .hl-calc{padding:22px}
  .hl-cashneed strong{font-size:24px}
}
@media (prefers-reduced-motion:reduce){.hl *{transition:none!important}}