/* =====================================================================
   HFG Builder Site — Shared Stylesheet
   Used by: index.html, builder-services.html, loan-products.html,
            about.html, contact.html
   ---------------------------------------------------------------------
   SHARED NAV MARKUP (copy into each page <body> top):
   ---------------------------------------------------------------------
   <header class="site-nav">
     <div class="nav-inner">
       <a href="index.html" class="nav-logo">
         <img src="assets/hfg-logo-color.png" alt="Homeowners Financial Group" />
       </a>
       <nav class="nav-pill" aria-label="Primary">
         <a href="index.html" class="active">Builders</a>
         <a href="loan-products.html">Products</a>
         <a href="builder-services.html">Why HFG</a>
         <a href="about.html">About</a>
         <a href="contact.html">Reviews</a>
       </nav>
       <div class="nav-cta">
         <a href="https://hfg.app/builder-login/" class="btn btn-outline btn-sm">Builder Login</a>
         <a href="contact.html" class="btn btn-navy">Let's Connect &rarr;</a>
       </div>
     </div>
   </header>
   ---------------------------------------------------------------------
   SHARED FOOTER MARKUP (copy into each page before </body>):
   ---------------------------------------------------------------------
   <footer class="site-foot">
     <div class="foot-grid container">
       <div>
         <img src="assets/hfg-logo-color.png" alt="HFG" class="foot-logo" />
         <p class="foot-addr">
           4800 N. Scottsdale Rd. Suite 6000<br>
           Scottsdale, AZ 85251<br><br>
           NMLS #93718 &middot; Equal Housing Lender
         </p>
       </div>
       <div>
         <h5>For Builders</h5>
         <a href="builder-services.html">Service Commitment</a>
         <a href="loan-products.html">Loan Products</a>
         <a href="https://hfg.app/builder-login/">Builder Portal</a>
         <a href="contact.html">Co-Marketing</a>
       </div>
       <div>
         <h5>Company</h5>
         <a href="about.html">About</a>
         <a href="about.html#leadership">Leadership</a>
         <a href="contact.html">Locations</a>
         <a href="about.html#careers">Careers</a>
       </div>
       <div>
         <h5>Legal</h5>
         <a href="#licensing">Licensing</a>
         <a href="#privacy">Privacy</a>
         <a href="https://www.nmlsconsumeraccess.org/">Consumer Access</a>
         <a href="#terms">Terms</a>
       </div>
     </div>
     <div class="foot-compliance container">
       <p>
         Homeowners Financial Group USA, LLC | NMLS #93718 | Equal Housing Lender |
         <a href="https://www.nmlsconsumeraccess.org/">nmlsconsumeraccess.org</a> |
         This is not a commitment to engage in a loan transaction. All loan products
         and loan amounts may not be available in your area and are subject to credit
         and property approval pursuant to agency and investor guidelines. Information,
         rates and programs are subject to change without prior notice. Some products
         may not be offered directly by Homeowners Financial Group USA, LLC (HFG) but
         are offered through a lender with whom HFG has a business relationship. This
         may be intended for industry professionals only. Other restrictions and
         limitations may apply.
       </p>
     </div>
     <div class="foot-bot container">
       <span>&copy;2026 Homeowners Financial Group USA, LLC. All rights reserved.</span>
       <span>Equal Housing Lender</span>
     </div>
   </footer>
   ===================================================================== */

/* ---------- Brand tokens (from brand.css) ---------- */
/* ===== Dunbar Text (brand font, self-hosted) ===== */
@font-face {
  font-family: 'Dunbar Text';
  src: url('../assets/fonts/dunbartext-regular.woff2') format('woff2'),
       url('../assets/fonts/dunbartext-regular.woff') format('woff');
  font-weight: 400; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Dunbar Text';
  src: url('../assets/fonts/dunbartext-medium.woff2') format('woff2'),
       url('../assets/fonts/dunbartext-medium.woff') format('woff');
  font-weight: 500; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Dunbar Text';
  src: url('../assets/fonts/dunbartext-bold.woff2') format('woff2'),
       url('../assets/fonts/dunbartext-bold.woff') format('woff');
  font-weight: 700; font-style: normal; font-display: swap;
}
@font-face {
  font-family: 'Dunbar Text';
  src: url('../assets/fonts/dunbartext-extrabold.woff2') format('woff2'),
       url('../assets/fonts/dunbartext-extrabold.woff') format('woff');
  font-weight: 800; font-style: normal; font-display: swap;
}

:root {
  --hfg-blue:        #0f4369;
  --hfg-blue-dark:   #0a3251;
  --hfg-blue-deep:   #072438;
  --hfg-blue-light:  #2e6a90;
  --hfg-teal:        #499fbe;
  --hfg-teal-dark:   #2f7c9b;
  --hfg-teal-light:  #7ab7d0;
  --hfg-teal-pale:   #d8e9f1;
  --hfg-lime:        #d5e03f;
  --hfg-lime-bright: #dfe66c;
  --hfg-lime-deep:   #bcc830;
  --white:           #ffffff;
  --off-white:       #f4f6f9;
  --cream:           #faf8f3;
  --paper:           #f7f4ec;
  --gray-50:         #f4f6f9;
  --gray-100:        #e8ecf0;
  --gray-200:        #d4dae1;
  --gray-300:        #b8c2cc;
  --gray-400:        #8a96a3;
  --gray-500:        #5a6573;
  --gray-700:        #2c3744;
  --text:            #1a2a3a;

  --serif: 'Instrument Serif', 'Georgia', serif;
  --sans:  'Dunbar Text', 'Outfit', -apple-system, BlinkMacSystemFont, 'Segoe UI', sans-serif;
  --mono:  'Geist Mono', 'SF Mono', ui-monospace, monospace;
}

/* ---------- Reset & base ---------- */
*, *::before, *::after { box-sizing: border-box; }
html, body { margin: 0; padding: 0; max-width: 100%; overflow-x: clip; }
body {
  font-family: var(--sans);
  color: var(--text);
  background: var(--paper);
  line-height: 1.5;
  -webkit-font-smoothing: antialiased;
  -moz-osx-font-smoothing: grayscale;
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button { font: inherit; cursor: pointer; border: none; background: none; }
ul, ol { list-style: none; margin: 0; padding: 0; }
h1, h2, h3, h4, h5, h6, p { margin: 0; }

/* ---------- Layout primitives ---------- */
.container { max-width: 1200px; margin: 0 auto; padding: 0 64px; }
.section { padding: 120px 0; }

/* ---------- Eyebrow ---------- */
.eyebrow {
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.6px;
  text-transform: uppercase;
  color: var(--hfg-teal);
  display: inline-flex;
  align-items: center;
  gap: 10px;
}
.eyebrow-blue { color: var(--hfg-blue); }
.eyebrow-light { color: var(--hfg-teal-light); }
.eyebrow-lime { color: var(--hfg-lime-deep); }
.eyebrow .live {
  width: 7px; height: 7px; border-radius: 50%;
  background: var(--hfg-lime-deep);
  box-shadow: 0 0 0 4px rgba(184,196,58,0.2);
}
.eyebrow .dot-blue {
  width: 6px; height: 6px; border-radius: 50%;
  background: var(--hfg-blue-deep);
}

/* ---------- Buttons ---------- */
.btn {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 14px 24px; border-radius: 999px;
  background: var(--hfg-blue); color: #fff;
  font-size: 13px; font-weight: 700; letter-spacing: 0.3px;
  transition: background .15s, color .15s, transform .15s;
}
.btn:hover { transform: translateY(-1px); }
.btn-navy      { background: var(--hfg-blue); color: #fff; }
.btn-navy-deep { background: var(--hfg-blue-deep); color: var(--hfg-lime); padding: 16px 26px; }
.btn-lime      { background: var(--hfg-lime); color: var(--hfg-blue-deep); }
.btn-outline   { background: transparent; color: var(--hfg-blue); border: 1.5px solid var(--hfg-blue); }
.btn-sm        { padding: 10px 18px; font-size: 12px; }
.btn-lg        { padding: 16px 32px; font-size: 14px; }
.text-link {
  font-size: 14px; font-weight: 700; color: var(--hfg-blue-deep);
  text-decoration: underline; text-decoration-thickness: 2px;
  text-underline-offset: 4px;
}

/* ---------- Top nav ---------- */
.site-nav {
  position: sticky; top: 0; z-index: 100;
  background: rgba(247, 244, 236, 0.92);
  -webkit-backdrop-filter: saturate(180%) blur(10px);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid rgba(7, 36, 56, 0.06);
}
.nav-inner {
  max-width: 1280px; margin: 0 auto;
  padding: 24px 64px;
  display: flex; align-items: center; justify-content: space-between;
  gap: 24px;
}
.nav-logo { flex-shrink: 0; display: block; }
.nav-logo img { height: 52px; width: auto; max-width: none; display: block; border: 0; }
.nav-pill {
  background: #fff; border-radius: 999px;
  padding: 6px; display: flex; align-items: center; gap: 4px;
  box-shadow: 0 4px 16px rgba(0,70,120,0.06);
  border: 1px solid var(--gray-100);
}
.nav-pill a {
  padding: 10px 18px; border-radius: 999px;
  font-size: 13px; font-weight: 600; color: var(--gray-700);
}
.nav-pill a.active { background: var(--hfg-blue); color: #fff; }
.nav-pill a:hover:not(.active) { background: var(--gray-50); }
.nav-cta { display: flex; gap: 12px; align-items: center; }

/* ---------- Floating mobile "Let's Connect" CTA ---------- */
.fab-connect {
  display: none;
  position: fixed; bottom: 20px; right: 20px; z-index: 90;
  align-items: center; gap: 8px;
  padding: 14px 22px; border-radius: 999px;
  background: var(--hfg-lime); color: var(--hfg-blue-deep);
  font-family: var(--sans); font-size: 14px; font-weight: 700; letter-spacing: 0.2px;
  box-shadow: 0 10px 28px rgba(7, 36, 56, 0.22), 0 2px 8px rgba(7, 36, 56, 0.12);
  transition: transform 0.15s ease, box-shadow 0.15s ease;
}
.fab-connect:active { transform: translateY(1px); }
@media (max-width: 1100px) {
  .nav-cta { display: none; }
  .fab-connect {
    display: inline-flex;
    transition: opacity 0.25s ease, transform 0.25s ease, visibility 0.25s ease;
  }
  /* Pages that want a scroll-reveal (homepage) add .fab-pending to start hidden, */
  /* then JS removes it once the user has scrolled past the hero CTA. */
  .fab-connect.fab-pending {
    opacity: 0; visibility: hidden;
    transform: translateY(8px);
    pointer-events: none;
  }
}

/* ---------- Hero (lime card) ---------- */
.hero { padding: 32px 64px 64px; }
.hero-card {
  background: var(--hfg-blue-deep);
  border-radius: 32px;
  padding: 80px;
  position: relative; overflow: hidden;
  display: grid; grid-template-columns: 1.2fr 1fr;
  gap: 48px; align-items: end;
  min-height: 600px;
}
.hero-card::before {
  content: ''; position: absolute; right: -160px; top: -160px;
  width: 540px; height: 540px;
  background: var(--hfg-lime); border-radius: 50%; opacity: 0.06;
}
.hero-icon {
  position: absolute; top: 40px; right: 40px; z-index: 2;
  display: block; line-height: 0;
}
.hero-icon img {
  display: block; width: 88px; height: auto;
}
@media (max-width: 768px) {
  .hero-icon { top: 24px; right: 24px; }
  .hero-icon img { width: 64px; }
}
.hero-eyebrow {
  font-family: var(--mono); font-size: 12px; font-weight: 700;
  letter-spacing: 1.6px; text-transform: uppercase;
  color: var(--hfg-lime);
  display: inline-flex; align-items: center; gap: 12px;
  padding: 8px 14px; background: rgba(213, 224, 63,0.12);
  border-radius: 999px;
}
.hero-eyebrow .dot-blue { background: var(--hfg-lime); }
.hero-card h1 {
  font-family: var(--sans);
  font-size: 104px; line-height: 0.92; letter-spacing: -4px;
  color: #ffffff; font-weight: 800;
  margin-top: 32px;
}
.hero-card h1 .strike {
  background: var(--hfg-lime); color: var(--hfg-blue-deep);
  padding: 4px 16px 14px;
  display: inline-block;
  transform: rotate(-1deg) translateY(4px);
  line-height: 1;
}
.hero-card .lede {
  font-size: 18px; line-height: 1.6; color: #ffffff;
  margin: 32px 0; max-width: 480px; font-weight: 500;
}
.hero-card .cta-row { display: flex; gap: 14px; align-items: center; flex-wrap: wrap; }

/* Hero right-side lime mini-dashboard */
.hero-figure {
  background: var(--hfg-lime); color: var(--hfg-blue-deep);
  padding: 40px; border-radius: 24px;
  align-self: stretch;
  display: flex; flex-direction: column; justify-content: space-between;
  position: relative; overflow: hidden; gap: 28px;
}
.hero-figure::after {
  content: ''; position: absolute; bottom: -80px; left: -80px;
  width: 240px; height: 240px;
  background: var(--hfg-teal); border-radius: 50%; opacity: 0.35;
}
.hero-figure > * { position: relative; z-index: 1; }
.hero-figure .top-eyebrow {
  font-family: var(--mono); font-size: 12px; font-weight: 600; letter-spacing: 1.8px;
  color: var(--hfg-blue);
}
.hero-stat-feature { padding-bottom: 28px; border-bottom: 1px solid rgba(15,67,105,0.15); }
.hero-stat-feature .lbl {
  font-family: var(--mono); font-size: 12px; font-weight: 700; letter-spacing: 1.6px;
  color: var(--hfg-blue-deep); margin-bottom: 6px;
}
.hero-stat-feature .val {
  font-family: var(--sans); font-size: 108px; font-weight: 800;
  letter-spacing: -5px; color: var(--hfg-blue-deep);
  line-height: 0.9; font-variant-numeric: tabular-nums;
}
.hero-stat-feature .val .pct {
  font-size: 44px; letter-spacing: -1.5px;
  vertical-align: top; margin-left: 4px;
}
.hero-stat-feature .row-tiny {
  display: flex; flex-direction: column; align-items: flex-start; gap: 12px; margin-top: 14px;
}
.hero-stat-feature .row-tiny svg { width: 100%; max-width: 280px; height: auto; }
.delta-down {
  display: inline-flex; align-items: center; gap: 4px;
  padding: 5px 10px; background: rgba(15,67,105,0.12);
  color: var(--hfg-blue-deep);
  font-family: var(--mono); font-size: 11px; font-weight: 700; letter-spacing: 1.4px;
  border-radius: 6px;
}
.hero-stat-pair {
  display: grid; grid-template-columns: 1fr 1fr; gap: 24px; padding-top: 4px;
}
.hero-stat-pair .l {
  font-family: var(--mono); font-size: 12px; font-weight: 700; letter-spacing: 1.4px;
  color: var(--hfg-blue-deep); margin-bottom: 6px;
}
.hero-stat-pair .vv {
  font-family: var(--sans); font-size: 44px; font-weight: 800;
  letter-spacing: -1.5px; color: var(--hfg-blue-deep);
  line-height: 1; font-variant-numeric: tabular-nums;
}
.hero-stat-pair .d {
  display: inline-flex; align-items: center; padding: 5px 9px;
  font-family: var(--mono); font-size: 11px; font-weight: 700;
  letter-spacing: 1px; border-radius: 6px; margin-top: 8px;
}
.hero-stat-pair .d.up   { background: rgba(47,124,155,0.18); color: var(--hfg-blue-deep); }
.hero-stat-pair .d.down { background: rgba(15,67,105,0.12); color: var(--hfg-blue-deep); }
.hero-figure-link {
  font-family: var(--sans); font-size: 12px; font-weight: 700;
  color: var(--hfg-blue-deep); letter-spacing: 0.5px;
  border-bottom: 1px solid var(--hfg-blue-deep); padding-bottom: 4px;
  width: fit-content;
}

/* ---------- Marquee ---------- */
.marquee {
  background: var(--hfg-blue-deep); color: var(--hfg-lime);
  padding: 22px 0; overflow: hidden;
  border-top: 1px solid var(--hfg-lime);
}
.marquee-track {
  display: flex; gap: 0;
  font-family: var(--sans); font-size: 28px; font-weight: 800;
  letter-spacing: -1px; text-transform: uppercase; white-space: nowrap;
  animation: marquee 40s linear infinite;
  width: max-content;
}
.marquee-track > span {
  padding-right: 0;
}
.marquee-track .dot {
  display: inline-block;
  width: 14px; height: 14px;
  min-width: 14px; max-width: 14px;
  border-radius: 50%; background: var(--hfg-teal);
  margin: 0 18px; vertical-align: middle;
}
@keyframes marquee {
  from { transform: translateX(0); }
  to   { transform: translateX(-50%); }
}
@media (prefers-reduced-motion: reduce) {
  .marquee-track { animation: none; }
}

/* ---------- Market brief ---------- */
.market { padding: 64px 64px 96px; background: var(--paper); }
.market-card {
  background: #fff; border-radius: 32px; padding: 48px;
  border: 1px solid var(--gray-100);
}
.market-head {
  display: flex; justify-content: space-between; align-items: end;
  margin-bottom: 36px; padding-bottom: 28px;
  border-bottom: 1px solid var(--gray-100);
  gap: 24px;
}
.market-head h2 {
  font-family: var(--sans); font-size: 44px; line-height: 1;
  letter-spacing: -2px; color: var(--hfg-blue-deep); font-weight: 800;
  margin-top: 12px;
}
.market-head .rhs {
  font-family: var(--mono); font-size: 12px; font-weight: 600; letter-spacing: 1.4px;
  color: var(--gray-500); text-align: right;
}
.market-head .rhs b { color: var(--hfg-blue); font-weight: 700; display: block; margin-top: 4px; }

.market-grid {
  display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px;
}
.market-cell {
  background: var(--paper); border-radius: 20px; padding: 28px; position: relative;
}
.market-cell.hero {
  background: var(--hfg-blue-deep); color: #fff;
  grid-row: span 2;
  display: flex; flex-direction: column; justify-content: space-between;
  min-height: 320px;
}
.market-cell.hero .lbl {
  font-family: var(--mono); font-size: 12px; font-weight: 600; letter-spacing: 1.8px;
  color: var(--hfg-teal-light); margin-bottom: 8px;
}
.market-cell.hero .pill {
  display: inline-flex; align-items: center; gap: 8px;
  padding: 6px 12px; background: var(--hfg-lime);
  color: var(--hfg-blue-deep); border-radius: 999px;
  font-family: var(--mono); font-size: 11px; letter-spacing: 1.4px; font-weight: 700;
  align-self: flex-start;
}
.market-cell.hero h3 {
  font-family: var(--sans); font-size: 96px; line-height: 0.9;
  letter-spacing: -4px; font-weight: 800; color: var(--hfg-lime);
  font-variant-numeric: tabular-nums;
}
.market-cell.hero h3 .pct { font-size: 36px; letter-spacing: -1px; vertical-align: top; margin-left: 4px; }
.market-cell.hero .sub {
  font-family: var(--sans); font-size: 16px; color: #fff;
  font-weight: 600; max-width: 240px; line-height: 1.3;
}
.market-cell.hero .tiny { font-size: 13px; font-weight: 500; color: rgba(255,255,255,0.78); line-height: 1.5; }

.market-cell .lbl {
  font-family: var(--mono); font-size: 12px; font-weight: 700; letter-spacing: 1.6px;
  color: var(--hfg-blue); margin-bottom: 6px;
}
.market-cell .src {
  font-family: var(--mono); font-size: 11px; font-weight: 600; letter-spacing: 0.8px;
  color: var(--gray-500); margin-top: 14px;
}
.market-cell .val {
  font-family: var(--sans); font-size: 44px; line-height: 1;
  letter-spacing: -1.5px; color: var(--hfg-blue-deep); font-weight: 800;
  font-variant-numeric: tabular-nums;
}
.market-cell .val .pct  { font-size: 22px; letter-spacing: -0.5px; vertical-align: top; margin-left: 2px; }
.market-cell .val .unit { font-size: 18px; font-weight: 600; color: var(--gray-500); margin-left: 6px; letter-spacing: 0; }
.market-cell .delta {
  display: inline-flex; align-items: center; gap: 4px;
  padding: 5px 9px; border-radius: 6px;
  font-family: var(--mono); font-size: 11px; font-weight: 700; letter-spacing: 1px;
  margin-top: 10px;
}
.market-cell .delta.up   { background: rgba(0,70,120,0.08); color: var(--hfg-blue); }
.market-cell .delta.down { background: rgba(184,196,58,0.18); color: var(--hfg-blue-deep); }
.market-cell .delta.flat { background: rgba(80,160,180,0.12); color: var(--hfg-teal-dark); }
.market-cell .name {
  font-family: var(--sans); font-size: 14px; font-weight: 600;
  color: var(--hfg-blue-deep); margin-bottom: 16px; line-height: 1.3;
}
.market-cell .spark { margin-top: 10px; }

.market-foot {
  display: flex; justify-content: space-between; align-items: center;
  margin-top: 28px; padding-top: 28px;
  border-top: 1px solid var(--gray-100);
  font-size: 12px; color: var(--gray-500); gap: 24px;
}
.market-foot a {
  color: var(--hfg-blue); font-weight: 700; font-size: 13px;
  border-bottom: 2px solid var(--hfg-lime); padding-bottom: 2px;
  white-space: nowrap;
}
.market-foot .disclaimer {
  font-size: 11px; color: var(--gray-400); max-width: 540px; line-height: 1.4;
}

/* This Week's Read */
.market-notes { margin-top: 36px; padding-top: 36px; border-top: 1px solid var(--gray-100); }
.market-notes-head {
  display: grid; grid-template-columns: 280px 1fr; gap: 48px; align-items: end;
  margin-bottom: 32px;
}
.market-notes-head h3 {
  font-family: var(--sans); font-size: 30px; line-height: 1.05; letter-spacing: -1px;
  color: var(--hfg-blue-deep); font-weight: 700;
}
.market-notes-grid {
  display: grid; grid-template-columns: repeat(2, 1fr); gap: 28px 48px;
}
.note {
  display: grid; grid-template-columns: 200px 1fr; gap: 24px;
  padding-top: 20px; border-top: 1px solid var(--gray-100);
}
.note-tag {
  font-family: var(--mono); font-size: 11px; letter-spacing: 1.5px;
  color: var(--hfg-blue); font-weight: 700; line-height: 1.5;
}
.note p { font-size: 14px; color: var(--gray-500); line-height: 1.6; }
.note.hfg-takeaway {
  background: var(--hfg-blue-deep); color: #fff;
  border-top: 0; border-radius: 16px; padding: 24px;
  grid-template-columns: 1fr; gap: 12px; margin-top: -4px;
}
.note.hfg-takeaway .note-tag { color: var(--hfg-lime); }
.note.hfg-takeaway p { color: rgba(255,255,255,0.75); }
.note-cta {
  display: inline-block; margin-top: 4px;
  font-family: var(--sans); font-size: 13px; font-weight: 700;
  color: var(--hfg-lime); border-bottom: 2px solid var(--hfg-lime);
  padding-bottom: 2px; width: fit-content;
}

/* ---------- Commit (Service Commitment) ---------- */
.commit { padding: 120px 0; background: #fff; border-radius: 48px 48px 0 0; }
.commit-head { text-align: center; max-width: 800px; margin: 0 auto 72px; }
.commit-head h2 {
  font-family: var(--sans); font-size: 72px; line-height: 0.96; letter-spacing: -3px;
  color: var(--hfg-blue-deep); font-weight: 800; margin-top: 20px;
}
.commit-head h2 .lime-bg {
  background: var(--hfg-lime); padding: 0 16px; display: inline-block;
  transform: rotate(-1deg);
}
.commit-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.commit-card { background: var(--paper); padding: 36px; border-radius: 20px; position: relative; }
.commit-card .n {
  font-family: var(--mono); font-size: 11px; letter-spacing: 2px;
  color: var(--hfg-teal); margin-bottom: 32px;
}
.commit-card .ico {
  width: 56px; height: 56px; background: var(--hfg-lime);
  border-radius: 14px; margin-bottom: 24px;
  display: flex; align-items: center; justify-content: center;
}
.commit-card h4 {
  font-family: var(--sans); font-size: 22px; font-weight: 700;
  color: var(--hfg-blue-deep); margin-bottom: 10px;
  letter-spacing: -0.5px; line-height: 1.2;
}
.commit-card p { font-size: 14px; color: var(--gray-500); line-height: 1.55; }

/* ---------- Featured scenario (navy block) ---------- */
.data { padding: 120px 0; background: #fff; }
.navy-block {
  background: var(--hfg-blue-deep); border-radius: 32px;
  padding: 80px; color: #fff; position: relative; overflow: hidden;
}
.navy-block::before {
  content: ''; position: absolute; right: -200px; bottom: -200px;
  width: 480px; height: 480px;
  background: var(--hfg-teal); border-radius: 50%; opacity: 0.15;
}
.data-grid {
  display: grid; grid-template-columns: 1.1fr 1fr; gap: 64px;
  align-items: center; position: relative; z-index: 1;
}
.data-grid h2 {
  font-family: var(--sans); font-size: 60px; line-height: 1;
  letter-spacing: -2.5px; color: #fff; font-weight: 800; margin-bottom: 20px;
}
.data-grid h2 .lime { color: var(--hfg-lime); }
.data-grid .desc {
  font-size: 17px; color: rgba(255,255,255,0.7);
  line-height: 1.55; max-width: 420px; margin-bottom: 40px;
}
.rate-card {
  background: rgba(255,255,255,0.06); border: 1px solid rgba(255,255,255,0.12);
  border-radius: 24px; padding: 40px;
}
.rate-card .lbl {
  font-family: var(--mono); font-size: 11px; letter-spacing: 2px;
  color: var(--hfg-teal-light); margin-bottom: 16px;
}
.rate-card .row {
  display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 32px;
}
.rate-card .row .ll {
  font-family: var(--mono); font-size: 10px; letter-spacing: 1.5px;
  color: var(--hfg-teal-light); margin-bottom: 6px;
}
.rate-card .row .vv {
  font-family: var(--sans); font-size: 72px; font-weight: 800;
  color: var(--hfg-lime); letter-spacing: -3px; line-height: 0.95;
}
.rate-card .row .vv .sm { font-size: 28px; letter-spacing: -1px; }
.rate-card .meta {
  padding-top: 24px; border-top: 1px solid rgba(255,255,255,0.12);
  display: grid; grid-template-columns: repeat(3,1fr); gap: 16px; font-size: 12px;
}
.rate-card .meta .l {
  color: rgba(255,255,255,0.5);
  font-family: var(--mono); font-size: 10px; letter-spacing: 1.5px; margin-bottom: 4px;
}
.rate-card .meta .v { color: #fff; font-weight: 600; font-variant-numeric: tabular-nums; }

/* ---------- Loan products row ---------- */
.prod { padding: 120px 0; background: var(--paper); }
.prod-head {
  display: flex; justify-content: space-between; align-items: end;
  margin-bottom: 56px; gap: 24px; flex-wrap: wrap;
}
.prod-head h2 {
  font-family: var(--sans); font-size: 72px; line-height: 0.96;
  letter-spacing: -3px; color: var(--hfg-blue-deep); font-weight: 800;
  max-width: 720px;
}
.prod-head h2 .teal { color: var(--hfg-teal); }
.prod-head .compare-link {
  font-size: 13px; font-weight: 700; color: var(--hfg-blue);
  border-bottom: 2px solid var(--hfg-lime); padding-bottom: 4px;
}
.prod-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 16px; }
.prod-card {
  background: #fff; border-radius: 20px; padding: 32px;
  display: flex; flex-direction: column; gap: 20px;
  min-height: 280px; transition: background .2s;
}
.prod-card:hover { background: var(--hfg-lime); }
.prod-card .top { display: flex; justify-content: space-between; }
.prod-card .n {
  font-family: var(--mono); font-size: 11px; color: var(--hfg-teal); letter-spacing: 1.5px;
}
.prod-card .ar { font-size: 18px; color: var(--hfg-blue); }
.prod-card h4 {
  font-family: var(--sans); font-size: 32px; font-weight: 800;
  color: var(--hfg-blue-deep); letter-spacing: -1px; line-height: 1;
}
.prod-card p { font-size: 14px; color: var(--gray-500); line-height: 1.5; margin-top: auto; }
.prod-card .tag {
  display: inline-block; padding: 4px 10px;
  font-family: var(--mono); font-size: 10px; letter-spacing: 1.5px;
  color: var(--hfg-blue); background: var(--paper);
  border-radius: 999px; align-self: flex-start;
}

/* ---------- 3 Pillars ---------- */
.pillars { padding: 120px 0; background: var(--paper); }
.pillars-head {
  display: grid; grid-template-columns: 1fr 1fr; gap: 80px;
  align-items: center; margin-bottom: 64px;
}
.pillars-head h2 {
  font-family: var(--sans); font-size: 88px; line-height: 0.92;
  letter-spacing: -4px; color: var(--hfg-blue-deep); font-weight: 800;
}
.pillars-head h2 .acc { color: var(--hfg-teal); }
.pillars-head .lede {
  font-size: 17px; color: var(--gray-500); line-height: 1.55; max-width: 480px;
}
.pillars-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.pillar {
  border-radius: 24px; padding: 40px; min-height: 360px;
  display: flex; flex-direction: column; justify-content: space-between;
  position: relative; overflow: hidden;
}
.pillar.p1 { background: var(--hfg-teal); color: #fff; }
.pillar.p2 { background: var(--hfg-blue-deep); color: #fff; }
.pillar.p3 { background: var(--hfg-lime); color: var(--hfg-blue-deep); }
.pillar .top {
  display: flex; justify-content: space-between;
  font-family: var(--mono); font-size: 11px; letter-spacing: 2px; opacity: 0.8;
}
.pillar h3 {
  font-family: var(--sans); font-size: 42px; font-weight: 800;
  letter-spacing: -1.5px; line-height: 1;
}
.pillar p { font-size: 15px; line-height: 1.55; opacity: 0.85; max-width: 320px; }
.pillar .num-bg {
  position: absolute; right: -20px; bottom: -60px;
  font-family: var(--sans); font-size: 280px; font-weight: 800;
  line-height: 1; opacity: 0.08; letter-spacing: -10px;
}

/* ---------- Footprint map ---------- */
.map { padding: 120px 0; background: #fff; }
.map-wrap {
  display: grid; grid-template-columns: 1fr 1.4fr;
  gap: 64px; align-items: center;
}
.map h2 {
  font-family: var(--sans); font-size: 72px; line-height: 0.96;
  letter-spacing: -3px; color: var(--hfg-blue-deep); font-weight: 800;
  margin: 20px 0 24px;
}
.map h2 .acc { color: var(--hfg-teal); }
.map p {
  font-size: 16px; color: var(--gray-500); line-height: 1.55;
  margin-bottom: 32px; max-width: 420px;
}
.map-fig {
  background: var(--paper); border-radius: 32px; padding: 56px;
  aspect-ratio: 16 / 10; position: relative; overflow: hidden;
}

/* ---------- Reviews ---------- */
.reviews { padding: 120px 0; background: var(--paper); }
.rev-head { text-align: center; max-width: 760px; margin: 0 auto 56px; }
.rev-head h2 {
  font-family: var(--sans); font-size: 64px; line-height: 1;
  letter-spacing: -2.5px; color: var(--hfg-blue-deep); font-weight: 800;
  margin-top: 20px;
}
.rev-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.rev {
  background: #fff; border-radius: 20px; padding: 32px;
  display: flex; flex-direction: column; gap: 20px;
}
.rev .quote-mark {
  font-family: var(--sans); font-size: 64px; line-height: 0.6;
  color: var(--hfg-lime-deep); font-weight: 800;
}
.rev p {
  font-family: var(--sans); font-size: 18px; line-height: 1.4;
  color: var(--hfg-blue-deep); font-weight: 500;
}
.rev .who {
  display: flex; gap: 12px; align-items: center;
  padding-top: 20px; border-top: 1px solid var(--gray-100);
}
.rev .who .name { font-size: 13px; font-weight: 700; color: var(--hfg-blue-deep); }
.rev .who .when { font-size: 11px; color: var(--gray-400); margin-top: 2px; }

/* Portrait silhouette (used in reviews + leadership) */
.portrait {
  border-radius: 50%; overflow: hidden;
  flex: 0 0 auto; position: relative;
}

/* ---------- Big CTA (navy w/ lime radial) ---------- */
.cta-section { padding: 32px 64px 64px; }
.cta-card {
  background: var(--hfg-blue-deep); color: #fff;
  border-radius: 32px; padding: 96px 80px;
  display: grid; grid-template-columns: 1.3fr 1fr; gap: 64px; align-items: end;
  position: relative; overflow: hidden;
}
.cta-card::before {
  content: ''; position: absolute; left: -120px; top: -120px;
  width: 360px; height: 360px;
  background: var(--hfg-lime); border-radius: 50%; opacity: 0.12;
}
.cta-card h2 {
  font-family: var(--sans); font-size: 96px; line-height: 0.92;
  letter-spacing: -4px; color: #fff; font-weight: 800;
  position: relative; z-index: 1;
}
.cta-card h2 .acc { color: var(--hfg-lime); }
.cta-card .right { position: relative; z-index: 1; }
.cta-card .right p {
  font-size: 16px; color: rgba(255,255,255,0.7);
  line-height: 1.55; margin-bottom: 28px; max-width: 380px;
}

/* Lime CTA variant (services page footer) */
.cta-lime {
  background: var(--hfg-lime); border-radius: 32px; padding: 80px;
  text-align: center;
}
.cta-lime h2 {
  font-family: var(--sans); font-size: 80px; line-height: 0.95;
  letter-spacing: -3px; font-weight: 800; color: var(--hfg-blue-deep);
}
.cta-lime p {
  font-size: 17px; color: var(--hfg-blue-deep); opacity: 0.75;
  max-width: 520px; margin: 28px auto 36px; line-height: 1.55;
}

/* ---------- Footer ---------- */
.site-foot {
  background: var(--paper); color: var(--gray-500);
  padding: 64px 0 32px; border-top: 1px solid var(--gray-100);
}
.foot-grid { display: grid; grid-template-columns: 2fr 1fr 1fr 1fr; gap: 48px; }
.foot-logo { height: 40px; width: auto; }
.foot-addr {
  font-size: 14px; font-weight: 500; color: var(--gray-700); line-height: 1.6;
  margin-top: 24px; max-width: 300px;
}
.site-foot h5 {
  font-family: var(--mono); font-size: 11px; letter-spacing: 2px;
  color: var(--hfg-blue); margin-bottom: 18px; text-transform: uppercase;
  font-weight: 700;
}
.site-foot a { display: block; padding: 5px 0; color: var(--gray-700); font-size: 13px; font-weight: 500; }
.site-foot a:hover { color: var(--hfg-blue); }
.foot-compliance {
  margin: 40px auto 0;
  padding: 28px 64px 0;
  border-top: 1px solid var(--gray-100);
  font-size: 12px; font-weight: 500; color: var(--gray-500); line-height: 1.6;
}
.foot-compliance a { display: inline; color: var(--hfg-blue); padding: 0; }
.foot-bot {
  margin: 28px auto 0; padding: 0 64px;
  display: flex; justify-content: space-between; flex-wrap: wrap; gap: 12px;
  font-size: 12px; font-weight: 500; color: var(--gray-500);
}

/* ---------- Services page ---------- */
.services-hero { padding: 48px 64px; }
.services-hero-card {
  background: var(--hfg-blue-deep); color: #fff;
  border-radius: 32px; padding: 80px;
  position: relative; overflow: hidden;
}
.services-hero-card::before {
  content: ''; position: absolute; right: -100px; bottom: -100px;
  width: 380px; height: 380px;
  background: var(--hfg-lime); border-radius: 50%; opacity: 0.15;
}
.services-hero-card .inner { position: relative; z-index: 1; max-width: 900px; }
.breadcrumbs {
  display: flex; gap: 8px;
  font-family: var(--mono); font-size: 11px;
  color: var(--hfg-teal-light); letter-spacing: 1.5px;
  margin-bottom: 32px;
}
.breadcrumbs .current { color: var(--hfg-lime); }
.services-hero-card h1 {
  font-family: var(--sans); font-size: 104px; line-height: 0.92;
  letter-spacing: -4px; font-weight: 800; color: #fff;
}
.services-hero-card h1 .lime { color: var(--hfg-lime); }
.services-hero-card .lede {
  font-size: 18px; color: rgba(255,255,255,0.7); line-height: 1.55;
  max-width: 580px; margin-top: 32px;
}

.services-index { padding: 24px 64px 0; }
.services-index-grid { display: grid; grid-template-columns: repeat(6, 1fr); gap: 8px; }
.services-index-cell {
  background: #fff; padding: 18px 20px;
  border-radius: 14px; border: 1px solid var(--gray-100);
}
.services-index-cell.active { background: var(--hfg-lime); }
.services-index-cell .n {
  font-family: var(--mono); font-size: 10px; letter-spacing: 1.5px;
  color: var(--hfg-blue); margin-bottom: 6px;
}
.services-index-cell .name {
  font-family: var(--sans); font-size: 15px; font-weight: 700;
  color: var(--hfg-blue-deep);
}

.services-details { padding: 48px 64px 96px; }
.service-block {
  border-radius: 32px; padding: 64px; margin-bottom: 20px;
  display: grid; grid-template-columns: 1.2fr 1fr; gap: 64px;
  align-items: center; position: relative; overflow: hidden;
  background: #fff; color: var(--hfg-blue-deep);
  border: 1px solid var(--gray-100);
}
.service-block.dark   { background: var(--hfg-blue-deep); color: #fff; border: none; }
.service-block.lime   { background: var(--hfg-lime); color: var(--hfg-blue-deep); border: none; }
.service-block .head { display: flex; align-items: center; gap: 14px; margin-bottom: 32px; }
.service-block .big-n {
  font-family: var(--sans); font-size: 96px; font-weight: 800;
  letter-spacing: -4px; line-height: 0.9; color: var(--hfg-lime);
}
.service-block.lime .big-n { color: var(--hfg-blue-deep); }
.service-block .which {
  font-family: var(--mono); font-size: 11px; letter-spacing: 1.5px; opacity: 0.6;
}
.service-block h2 {
  font-family: var(--sans); font-size: 48px; font-weight: 800;
  letter-spacing: -1.5px; line-height: 1.05;
  margin-bottom: 20px; max-width: 520px;
}
.service-block p { font-size: 16px; line-height: 1.6; opacity: 0.75; max-width: 520px; }
.service-specs { display: grid; gap: 14px; }
.service-spec {
  background: var(--paper); border-radius: 16px; padding: 24px 28px;
  display: flex; justify-content: space-between; align-items: center;
}
.service-block.dark .service-spec {
  background: rgba(255,255,255,0.05);
  border: 1px solid rgba(255,255,255,0.1);
}
.service-block.lime .service-spec {
  background: rgba(255,255,255,0.35);
  border: 1px solid rgba(0,50,90,0.08);
}
.service-spec .stat {
  font-family: var(--sans); font-size: 44px; font-weight: 800;
  letter-spacing: -1.5px; line-height: 1;
  color: var(--hfg-lime);
}
.service-block.lime .service-spec .stat { color: var(--hfg-blue-deep); }
.service-spec .lbl {
  font-family: var(--mono); font-size: 11px; letter-spacing: 1.5px;
  text-align: right; opacity: 0.7; max-width: 140px;
  text-transform: uppercase;
}

/* ---------- Responsive ---------- */
/* ===================================================================
   Narrow desktop / tablet (≤1280px) — stack all multi-column grids
   before they start overflowing or crushing content
   =================================================================== */
@media (max-width: 1280px) {
  /* Hero (lime card) */
  .hero { padding: 24px 32px 48px; }
  .hero-card {
    padding: 56px;
    grid-template-columns: 1fr;
    min-height: 0;
    gap: 40px;
    align-items: start;
  }
  .hero-card h1 { font-size: 80px; letter-spacing: -3px; }
  .hero-figure { max-width: 560px; width: 100%; padding: 32px; }
  .hero-stat-feature .val { font-size: 80px; letter-spacing: -3px; }
  .hero-stat-pair { gap: 32px; }
  .hero-stat-pair .vv { font-size: 36px; letter-spacing: -1px; }

  /* Other heroes that share class names */
  .services-hero-card { padding: 56px; }
  .services-hero-card h1 { font-size: 72px; letter-spacing: -2.5px; }
  .services-hero-card .inner { max-width: none; }

  /* Market section (Weekly Market Brief) */
  .market { padding: 48px 32px 72px; }
  .market-card { padding: 32px; }
  .market-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }
  .market-cell.hero { grid-row: auto; min-height: 0; grid-column: 1 / -1; padding: 32px; }
  .market-cell.hero h3 { font-size: 72px; letter-spacing: -2.5px; }
  .market-cell.hero > div:first-child { max-width: none; }
  .market-cell.hero > div:last-child { display: flex; flex-direction: column; }
  .market-cell.hero .sub { max-width: 640px; }
  .market-head { flex-direction: column; align-items: start; gap: 16px; }
  .market-head h2 { font-size: 36px; }
  .market-head .rhs { text-align: left; }
  .market-notes { padding: 32px 0; }
  .market-notes-head { grid-template-columns: 1fr; gap: 16px; }
  .market-notes-grid { grid-template-columns: 1fr; gap: 16px; }
  .note { grid-template-columns: 1fr; gap: 8px; }

  /* Data grid (homepage Product Overview / calc widget section) */
  .data { padding: 48px 32px; }
  .data-grid { grid-template-columns: 1fr; gap: 32px; }

  /* Three commitments row */
  .commit-grid { grid-template-columns: 1fr; gap: 12px; }

  /* Loan menu strip on homepage (4 product cards) */
  .prod { padding: 48px 32px 72px; }
  .prod-grid { grid-template-columns: repeat(2, 1fr); gap: 14px; }
  .prod-head { grid-template-columns: 1fr; gap: 12px; margin-bottom: 24px; }

  /* About / pillars / leadership / map sections */
  .about-grid { grid-template-columns: 1fr; gap: 40px; }
  .pillars-head { grid-template-columns: 1fr; gap: 16px; }
  .pillars-grid { grid-template-columns: 1fr; gap: 16px; }
  .map-wrap { grid-template-columns: 1fr; gap: 32px; }

  /* Reviews grid */
  .rev-grid { grid-template-columns: 1fr; gap: 16px; }
  .rev-head { grid-template-columns: 1fr; gap: 16px; margin-bottom: 24px; }

  /* Bottom CTA card */
  .cta { padding: 48px 32px; }
  .cta-card { grid-template-columns: 1fr; gap: 32px; padding: 48px; }

  /* Footer */
  .hfg-foot { padding: 56px 32px; }
  .hfg-foot-card { grid-template-columns: 1fr; padding: 40px; gap: 32px; }
  .foot-grid { grid-template-columns: repeat(2, 1fr); gap: 32px; padding: 0 32px; }
  .foot-bot { padding: 28px 32px 0; flex-direction: column; gap: 8px; }

  /* Service blocks (builder-services page) */
  .services-index-grid { grid-template-columns: repeat(3, 1fr); gap: 8px; }
  .service-block { grid-template-columns: 1fr; padding: 40px; gap: 32px; }
}

@media (max-width: 768px) {
  .container { padding: 0 24px; }
  .section { padding: 64px 0; }

  /* Nav */
  .nav-inner { padding: 16px 24px; flex-wrap: wrap; gap: 12px; }
  .nav-pill { order: 3; width: 100%; justify-content: center; overflow-x: auto; }
  .nav-pill a { padding: 8px 12px; font-size: 12px; }
  .nav-cta .btn { padding: 8px 14px; font-size: 11px; }

  /* Hero */
  .hero { padding: 16px 16px 32px; }
  .hero-card { padding: 32px; grid-template-columns: 1fr; min-height: 0; gap: 24px; }
  .hero-card h1 { font-size: 52px; letter-spacing: -2px; }
  .hero-figure { padding: 24px; }
  .hero-stat-feature .val { font-size: 64px; letter-spacing: -2px; }
  .hero-stat-feature .val .pct { font-size: 28px; }
  .hero-stat-pair .vv { font-size: 28px; }

  /* Marquee — mobile */
  .marquee-track { font-size: 18px; }
  .marquee-track > span { padding-right: 0; }
  .marquee-track .dot { margin: 0 14px; width: 10px; height: 10px; min-width: 10px; max-width: 10px; }

  /* Market */
  .market { padding: 32px 16px 48px; }
  .market-card { padding: 24px; }
  .market-head { flex-direction: column; align-items: start; gap: 12px; }
  .market-head h2 { font-size: 28px; }
  .market-grid { grid-template-columns: 1fr; }
  .market-cell.hero { grid-row: auto; min-height: 0; }
  .market-cell.hero h3 { font-size: 56px; letter-spacing: -2px; }
  .market-notes-head { grid-template-columns: 1fr; gap: 16px; }
  .market-notes-grid { grid-template-columns: 1fr; gap: 16px; }
  .note { grid-template-columns: 1fr; gap: 8px; }

  /* Commit */
  .commit { padding: 64px 0; border-radius: 24px 24px 0 0; }
  .commit-head h2 { font-size: 36px; letter-spacing: -1.5px; }
  .commit-grid { grid-template-columns: 1fr; gap: 12px; }

  /* Data */
  .data { padding: 64px 0; }
  .navy-block { padding: 32px; }
  .data-grid { grid-template-columns: 1fr; gap: 32px; }
  .data-grid h2 { font-size: 32px; letter-spacing: -1.5px; }
  .rate-card { padding: 24px; }
  .rate-card .row .vv { font-size: 40px; letter-spacing: -1.5px; }

  /* Prod */
  .prod-head h2 { font-size: 36px; letter-spacing: -1.5px; }
  .prod-grid { grid-template-columns: 1fr; }

  /* Pillars */
  .pillars-head { grid-template-columns: 1fr; gap: 16px; }
  .pillars-head h2 { font-size: 40px; letter-spacing: -2px; }
  .pillars-grid { grid-template-columns: 1fr; }

  /* Map */
  .map-wrap { grid-template-columns: 1fr; gap: 32px; }
  .map h2 { font-size: 36px; letter-spacing: -1.5px; }

  /* Reviews */
  .rev-head h2 { font-size: 32px; letter-spacing: -1.5px; }
  .rev-grid { grid-template-columns: 1fr; }

  /* CTA */
  .cta-section { padding: 16px 16px 32px; }
  .cta-card { padding: 32px; grid-template-columns: 1fr; gap: 32px; }
  .cta-card h2 { font-size: 48px; letter-spacing: -2px; }
  .cta-lime { padding: 32px; }
  .cta-lime h2 { font-size: 36px; letter-spacing: -1.5px; }

  /* Footer */
  .foot-grid { grid-template-columns: 1fr; gap: 24px; }
  .foot-bot { flex-direction: column; gap: 8px; }
  .foot-compliance { padding: 24px 24px 0; }

  /* Services */
  .services-hero { padding: 16px; }
  .services-hero-card { padding: 32px; }
  .services-hero-card h1 { font-size: 48px; letter-spacing: -2px; }
  .services-index { padding: 16px 16px 0; }
  .services-index-grid { grid-template-columns: repeat(2, 1fr); }
  .services-details { padding: 24px 16px 48px; }
  .service-block { padding: 32px; grid-template-columns: 1fr; gap: 32px; }
  .service-block h2 { font-size: 28px; letter-spacing: -1px; }
  .service-block .big-n { font-size: 56px; letter-spacing: -2px; }
  .service-spec .stat { font-size: 30px; letter-spacing: -1px; }
}

/* =====================================================================
   HFG US Branch Map — cartogram (used on Homepage + Contact)
   ===================================================================== */
.hfg-usmap { position: relative; width: 100%; display: flex; flex-direction: column; gap: 12px; }
.hfg-usmap-foot {
  display: flex; justify-content: space-between; align-items: flex-end;
  flex-wrap: wrap; gap: 12px; padding-top: 14px;
  border-top: 1px solid rgba(123,188,204,0.15);
}
.hfg-usmap-legend { display: flex; gap: 18px; flex-wrap: wrap; }
.hfg-usmap-legend .legend-item { display: flex; align-items: center; gap: 8px; }
.hfg-usmap-legend .leg-sq {
  width: 12px; height: 12px; border-radius: 3px;
  background: rgba(80,160,180,0.35);
  border: 1px solid rgba(123,188,204,0.5);
}
.hfg-usmap-legend .leg-pin {
  width: 8px; height: 8px; border-radius: 50%;
  background: #d5e03f;
  box-shadow: 0 0 0 3px rgba(210,220,80,0.18);
}
.hfg-usmap-legend .leg-lbl {
  font-family: var(--mono); font-size: 10px; letter-spacing: 1.5px;
  color: rgba(255,255,255,0.6);
}
.hfg-usmap-stats { display: flex; gap: 24px; font-variant-numeric: tabular-nums; }
.hfg-usmap-stats .stat-item { display: flex; flex-direction: column; align-items: flex-end; line-height: 1; }
.hfg-usmap-stats .stat-item .n {
  font-family: var(--sans); font-size: 22px; font-weight: 800;
  color: #fff; letter-spacing: -0.5px;
}
.hfg-usmap-stats .stat-item .l {
  font-family: var(--mono); font-size: 9px; letter-spacing: 1.5px;
  color: rgba(123,188,204,0.7); margin-top: 4px;
}

/* ============================================================
   HFG Footprint Section (new map)
   ============================================================ */
.hfg-foot { padding: 96px 64px; background: var(--paper); }
.hfg-foot-card {
  max-width: 1280px; margin: 0 auto;
  background: var(--hfg-blue-deep);
  border-radius: 32px;
  padding: 56px;
  display: grid;
  grid-template-columns: 1fr 1.6fr;
  gap: 48px;
  align-items: center;
  position: relative;
  overflow: hidden;
}
.hfg-foot-text { color: #fff; }
.hfg-foot-eyebrow {
  font-family: var(--mono);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 1.6px;
  color: var(--hfg-teal-light);
  text-transform: uppercase;
}
.hfg-foot-title {
  font-family: var(--sans);
  font-size: 64px;
  line-height: 0.96;
  letter-spacing: -2.5px;
  font-weight: 800;
  margin: 20px 0 0;
  color: #fff;
}
.hfg-foot-title span { color: var(--hfg-teal-light); }
.hfg-foot-body {
  font-size: 15px;
  line-height: 1.6;
  color: rgba(255, 255, 255, 0.82);
  margin: 24px 0 28px;
  max-width: 380px;
}
.hfg-foot-cta {
  display: inline-block;
  background: var(--hfg-lime);
  color: var(--hfg-blue-deep);
  border-radius: 999px;
  padding: 14px 24px;
  font-family: var(--sans);
  font-size: 13px;
  font-weight: 700;
  text-decoration: none;
  letter-spacing: 0.2px;
  transition: transform 0.15s ease;
}
.hfg-foot-cta:hover { transform: translateY(-1px); }
.hfg-foot-mapwell {
  background: rgba(255, 255, 255, 0.03);
  border: 1px solid rgba(123, 188, 204, 0.12);
  border-radius: 20px;
  padding: 24px 26px 22px;
  position: relative;
  overflow: hidden;
}
.hfg-foot-svg { width: 100%; height: auto; display: block; }
.hfg-foot-loading {
  font-family: var(--mono);
  font-size: 11px;
  letter-spacing: 1.5px;
  color: rgba(123, 188, 204, 0.5);
  text-align: center;
  padding: 80px 0;
}
.hfg-foot-stats {
  display: flex;
  align-items: baseline;
  justify-content: center;
  padding-top: 18px;
  margin-top: 14px;
  border-top: 1px solid rgba(123, 188, 204, 0.18);
}
.hfg-foot-stat { display: flex; flex-direction: column; align-items: center; line-height: 1; }
.hfg-foot-stat-n {
  font-family: var(--sans);
  font-size: 40px;
  font-weight: 800;
  color: #fff;
  letter-spacing: -1.2px;
  font-variant-numeric: tabular-nums;
}
.hfg-foot-stat-l {
  font-family: var(--sans);
  font-size: 12px;
  font-weight: 600;
  color: rgba(122, 183, 208, 0.9);
  margin-top: 8px;
  letter-spacing: 0.3px;
}
.hfg-foot-stat-div {
  width: 1px;
  height: 36px;
  background: rgba(123, 188, 204, 0.22);
  margin: 0 40px;
  align-self: center;
}
@media (max-width: 960px) {
  .hfg-foot { padding: 56px 24px; }
  .hfg-foot-card { grid-template-columns: 1fr; padding: 32px; gap: 32px; }
  .hfg-foot-title { font-size: 48px; }
  .hfg-foot-stat-n { font-size: 32px; }
  .hfg-foot-stat-div { margin: 0 24px; }
}

/* ============================================================
   Builder Buydown Calculator — shared widget styles
   ============================================================ */
.calc-widget {
  background: var(--hfg-blue-deep);
  border-radius: 24px;
  padding: 32px;
  position: relative;
  z-index: 1;
  box-shadow: 0 16px 48px rgba(7,36,56,0.18);
}
/* On-navy variant for the homepage section */
.calc-widget--on-navy {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(122,183,208,0.18);
  box-shadow: none;
}
.calc-widget-head {
  display: flex; justify-content: space-between; align-items: baseline;
  margin-bottom: 24px; gap: 16px;
}
.calc-widget-head .title {
  font-family: var(--mono); font-size: 11px; font-weight: 700;
  letter-spacing: 1.6px; color: var(--hfg-lime);
  text-transform: uppercase;
}
.calc-widget-head .fullink {
  font-family: var(--mono); font-size: 11px; font-weight: 700;
  color: var(--hfg-teal-light); letter-spacing: 0.5px;
  border-bottom: 1px solid var(--hfg-teal-light); padding-bottom: 2px;
  text-decoration: none;
}
.calc-widget-head .fullink:hover { color: var(--hfg-lime); border-bottom-color: var(--hfg-lime); }
.cw-slider { margin-bottom: 18px; }
.cw-slider .cw-label {
  display: flex; justify-content: space-between; align-items: baseline; margin-bottom: 8px;
}
.cw-slider .cw-key {
  font-family: var(--mono); font-size: 11px; font-weight: 700;
  letter-spacing: 1.4px; color: rgba(255,255,255,0.75);
  text-transform: uppercase;
}
.cw-slider .cw-val {
  font-family: var(--sans); font-size: 20px; font-weight: 800;
  color: #fff; letter-spacing: -0.5px;
  font-variant-numeric: tabular-nums;
}
.cw-slider input[type=range] {
  -webkit-appearance: none; appearance: none;
  width: 100%; height: 5px; background: rgba(255,255,255,0.15);
  border-radius: 999px; outline: none;
}
.cw-slider input[type=range]::-webkit-slider-thumb {
  -webkit-appearance: none;
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--hfg-lime); border: 2px solid #fff;
  cursor: grab;
}
.cw-slider input[type=range]::-moz-range-thumb {
  width: 18px; height: 18px; border-radius: 50%;
  background: var(--hfg-lime); border: 2px solid #fff; cursor: grab;
}
.cw-best {
  background: var(--hfg-lime); color: var(--hfg-blue-deep);
  border-radius: 14px; padding: 18px 20px; text-align: center;
  margin-top: 16px;
}
.cw-best .l {
  font-family: var(--mono); font-size: 10px; font-weight: 700;
  letter-spacing: 1.4px; text-transform: uppercase;
}
.cw-best .v {
  font-family: var(--sans); font-size: 44px; font-weight: 800;
  letter-spacing: -2px; line-height: 1; margin-top: 4px;
  font-variant-numeric: tabular-nums;
}
.cw-best .nm {
  font-family: var(--mono); font-size: 11px; font-weight: 700;
  letter-spacing: 0.5px; margin-top: 6px;
}
.cw-chips {
  display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 10px;
}
.cw-chip {
  background: rgba(255,255,255,0.06);
  border: 1px solid rgba(255,255,255,0.1);
  border-radius: 10px; padding: 12px;
}
.cw-chip .l {
  font-family: var(--mono); font-size: 9px; font-weight: 700;
  letter-spacing: 1.2px; color: rgba(255,255,255,0.7);
  text-transform: uppercase;
}
.cw-chip .v {
  font-family: var(--sans); font-size: 22px; font-weight: 800;
  color: #fff; margin-top: 4px; letter-spacing: -0.5px;
  font-variant-numeric: tabular-nums;
}
.cw-chip .d {
  font-family: var(--mono); font-size: 9px; font-weight: 600;
  color: rgba(255,255,255,0.55); margin-top: 2px;
  letter-spacing: 0.3px;
}
