#newsletter-section p,
#newsletter-section label {
    color:#fff;
}
.newsletter {
  display: flex;
  max-width: 56.25rem;
  margin: 0 auto 2em;
  border-radius: 0.25rem;
  overflow: hidden;
}

.newsletter__info {
  flex: 1 1 40%;
  padding: 2.5rem;
  border-right: 1px solid #333;
}

.newsletter__info h2 {
  margin: 0 0 0.625rem;
  font-size: 1.75rem;
  color: #00adef;
}

.newsletter__info p.lead {
  margin: 0 0 1.25rem;
  font-size: 1rem;
  color: #ccc;
}

.newsletter__info p.privacy {
  font-size: 0.8125rem;
  line-height: 1.5;
  color: #aaa;
}

.newsletter__form {
  flex: 1 1 60%;
  padding: 2.5rem;
  display: grid;
  grid-template-columns: 1fr 1fr;
  grid-template-rows: auto auto auto 1fr auto auto;
  grid-column-gap: 1.25rem;
  grid-row-gap: 0.9375rem;
}

.newsletter__form label {
  font-size: 0.875rem;
  margin-bottom: 0.3125rem;
  color: #eee;
}

.newsletter__form input[type="text"],
.newsletter__form input[type="email"],
.newsletter__form select {
  width: 100%;
  padding: 0.5rem 0.625rem;
  background: #2a2a2a;
  border: 1px solid #444;
  border-radius: 0.1875rem;
  color: #eee;
}

.newsletter__form input::placeholder {
  color: #666;
}

.newsletter__form .full-width {
  grid-column: 1 / -1;
}

.newsletter__form .button-wrapper {
  grid-column: 2 / 3;
  align-self: end;
  text-align: right;
}

.newsletter__form button {
  background: #00adef;
  border: none;
  padding: 0.75rem 1.5625rem;
  font-size: 1rem;
  color: #fff;
  border-radius: 0.1875rem;
  cursor: pointer;
}

.checkbox {
  grid-column: 1 / -1;
  font-size: 0.8125rem;
  color: #ccc;
}

.checkbox-label {
  line-height: 1.4;
}

.checkbox-inner {
  display: flex;
  align-items: center;
  gap: 0.5rem;
}
#checkbox-error {
  background: #fff;
  color: #000;
  border: 1px solid #f0ad4e;
  border-radius: 4px;
  padding: 0.5rem;
  font-size: 0.8125rem;
  box-shadow: 0 2px 6px rgba(0, 0, 0, 0.2);
  position: relative;
}

#checkbox-error::after {
  content: "";
  position: absolute;
  top: -10px;
  left: 10px;
  border-width: 5px;
  border-style: solid;
  border-color: transparent transparent #fff transparent;
}

.required-note {
  grid-column: 1 / -1;
  font-size: 0.8125rem;
  color: #FFC107;
  text-align: right;
}

.required-asterisk {
  color: #FFC107;
  margin-left: 0.1875rem;
}

#thank-you {
  display: none;
  grid-column: 1 / -1;
  text-align: center;
  padding: 2rem 1rem;
  color: #00adef;
}

#thank-you p {
  font-size: 0.95rem;
  color: #ccc;
}

.newsletter__form button:disabled {
  background: #444;
  cursor: not-allowed;
  opacity: 0.6;
}

.option-btn.dark {
    background-color:#093b60;
    color:#fff;
}
.flex-content.apr-style h6 {
    color:#d97d07;
    font-family:'Open Sans','Lucida Sans',Helvetica,Arial,sans-serif;
    font-weight:normal;
    font-size:2rem;
}

@media (max-width: 1080px) {
    .newsletter {
        flex-direction:column;
    }
    #form-container,
    .newsletter__info {
        flex:1;
        width:100% !important;
        border-right:0;
    }
}

.youtube-wrapper {
  position: relative;
  width: 100%;
  min-height:300px;
  padding-bottom: 56.25%; /* 16:9 aspect ratio (9/16 = 0.5625) */
  overflow: hidden;
}

.youtube-wrapper iframe {
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 100%;
  border: 0;
}

.page-template-page_landing .page-header {
    margin-bottom:1rem;
}
.page-template-page_landing .embed-with-content {
    margin-left:5rem;
}
.page-template-page_landing .btn {
    background-color:#0b4a6a;
    color:#fff;
}
.page-template-page_landing .btn svg {
    display:none;
}
.page-template-page_landing .get-started .get-started-text {
    margin-top:0;
}
.embed-with-content.single-col {
    min-height:360px;
}
.embed-with-content.single-col {
    width:50%;
}
.embed-with-content.single-col > div {
    width:100% !important;
    min-height:360px;
}
.page-template-page_landing .single-col-contain {
    padding-top:0;
    padding-bottom:2rem;
}
.page-template-page_landing .the-content {
    margin-top:0;
}
.process-steps .steps-cont, 
.get-started-contain,
.content-max-width,
.embed-with-content.has-no-sidebar {
    max-width:62.375rem;
    width:100%;
}

.cookie-banner {
    background-color:#1d1e20;
}
.cookie-banner h2,
.cookie-banner p,
.cookie-banner p a {
    color:#fff;
    font-family:'Open Sans','Lucida Sans','Helvetica','Arial',sans-serif;
}
.cookie-banner h2.cookie-title {
    font-size:1rem;
}
.cookie-banner #cookie_btn {
    background-color:#fff;
    color:#000;
}
.process-steps.center-content .process-header,
.process-steps.center-content .steps-cont {
    margin:0 auto 2rem;
    max-width:60rem;
}
.process-steps.is-condensed-view .process-header,
.process-steps.is-condensed-view .steps-cont {
    padding-left:10rem !important;
}
.page-template-page_landing .site-header .site-header__contain {
    padding-left:1rem;
}
.page-template-page_landing .wp-block-embed.is-provider-youtube {
    padding:3rem 12rem;
    background-color:#f2f7fa;
    margin-left: 0;
    margin-right: 0;
    max-width: 100vw;
    min-width:50rem;
    margin-bottom:4rem;
}
.page-template-page_landing .wp-block-embed.is-provider-youtube > div {
    max-width:53rem;
}
.single-col-contain.get-started .disclosure img {
    display:inline;
}
.page-template-page_landing p img {
    display:inline !important;
}
@media only screen and (max-width: 768px) {
    .process-steps.is-condensed-view .process-header,
    .process-steps.is-condensed-view .steps-cont {
        padding-left:2rem !important;
    }
}
@media only screen and (max-width: 1024px) { 
    .page-template-page_landing .embed-with-content {
        margin-left:0;
    }
    .has-no-sidebar.embed-with-content,
    .has-no-sidebar.embed-with-content > div {
        height:auto;
        min-height:auto;
        padding:1rem;
    }
    .site-footer .footer .row {
        flex-direction:column;
    }
    .page-template-page_landing .wp-block-embed.is-provider-youtube {
        padding:2rem !important;
    }
}
.process-steps.is-condensed-view .process-header {
    padding-bottom:2rem;
}
.process-steps.is-condensed-view .steps-cont {
    text-align:left !important;
}
.process-steps.is-condensed-view  {
    padding-top:2rem;
    padding-bottom:3rem;
}
.process-steps.is-condensed-view .steps {
    border-bottom:none;
}
.process-steps.is-condensed-view .step {
    border-bottom:none !important;
    margin-bottom:0;
}

.process-steps.is-condensed-view .center {
    text-align:left;
}
.process-steps.is-condensed-view h2 {
    font-size:2.5rem;
    margin-bottom:1rem;
}
.process-steps .header-subtitle {
    margin-bottom:2rem;
}
.stats-block {    
    width: 100%;
    text-align:center;
    padding-top:2rem;
    padding-bottom:2rem; 
}
.stats-block ul.stats-list {
    padding-left:0;
}
.stats-cont {
    max-width: 62.375rem;
}
.stats-list {
    list-style:none;
    padding-left:0;
    text-align:center;
}
.stat-item .stat-number {
    font-size:3rem;
    font-weight:bold;
    font-family: "Noto Serif", Constantia, Lucida Bright, Lucidabright, "Lucida Serif", Lucida, "DejaVu Serif", Georgia, Garamond, serif;
}
.stars-block {
    margin: 0;
    padding-top:2rem;
    padding-bottom:2rem; 
}
.stars-block * {
    text-align:center;
}
.stars-block h2 {
    font-size:2.5rem;
}
.stars-block.no-pad {
    padding-top:0.5rem;
    padding-bottom:0.5rem;
}
.stars-block .stars-cont {
    max-width: 62.375rem;
}
.stars-block .stars-cont .stars-image {
    text-align:center;
    display:flex;
    justify-content: center;
    align-items: center;
}
.stats-block.has-tint,
.stars-block.has-tint {
    background-color:#f2f7fa;
    max-width:100%;
}
.stars-block .stars-subhead {
    margin-top:1.5rem;
    text-transform: uppercase;
    font-weight:bold;
}
#loans.maxw.has-gutters {
    margin-left:unset;
}


.ie-tools-container {
    margin:0 5em 0 3em;
}
/* Calculator Cards — adjustable via CSS vars */
/* Calculator Cards — styles scoped to this block */
.calc-cards {
  /* Themeable tokens */
  --calc-cols: 4;               /* overridden inline by render.php */
  --calc-gap: 28px;
  --calc-radius: 12px;
  --calc-border: #e7e9ec;
  --calc-bg: #ffffff;
  --calc-icon-bg: #faf4ee;      /* beige icon tile */
  --calc-accent: #ed7e11;       /* CTA + icon tint */
  --calc-text: #083553;
  --calc-muted: #586172;
  padding-top:2em;
  border-top:1px solid var(--calc-border);
  background:linear-gradient(180deg,rgba(241, 246, 248, 1) 0%, rgba(241, 246, 248, 1) 86%, rgba(255, 255, 255, 1) 86%, rgba(255, 255, 255, 1) 100%);
}

/* Grid */
.calc-cards__grid {
  display: grid;
  grid-template-columns: repeat(var(--calc-cols), minmax(0, 1fr));
  gap: var(--calc-gap);
}

/* Card */
.calc-card {
  background: #fff;
  border: 1px solid #d8d8d8;
  border-radius: 10px;
  padding: 28px;
  display: flex;
  flex-direction: column;
  min-height: 100%;
  color:#000;
}
.calc-card:hover {
  box-shadow: 0 6px 22px rgba(16, 32, 55, 0.06);
}
.calc-card hr {
    background-color:#d8d8d8;
    margin:2em 0;
}
/* Icon well */
.calc-card__icon {
  background: #fcf8f3;
  border-radius: var(--calc-radius);
  border: 1px solid #d8d8d8;
  display: grid;
  place-items: center;
  height: clamp(130px, 20vw, 160px);
  margin-bottom: 22px;
  overflow: hidden;
}
.calc-card__icon svg {
  width: clamp(56px, 8vw, 72px);
  height: auto;
  color: var(--calc-accent); /* works with SVGs using currentColor */
}

/* Title + description */
.calc-card__title {
  font-size: 24px;
  line-height: 1.2;
  color: var(--calc-text);
  margin: 0 0 10px;
}
.calc-card__desc {
  color: var(--calc-text);
  margin: 0 0 18px;
  line-height:1.5em;
  flex: 1 1 auto; /* pushes CTA to bottom */
}

/* CTA button (overrides most theme btn styles for “ghost” look) */
.calc-card__cta { margin-top: auto; }

.calc-card__btn {
  appearance: none;
  background: transparent !important;
  color: var(--calc-text);
  display: block;
  align-items: center;
  gap: 8px;
  border: 1px solid var(--calc-text);
  border-radius: 9999px;
  padding: 16px 14px 14px !important;
  box-sizing: border-box;
  text-decoration: none;
  font-weight: 600;
  line-height: 1;
  transition:
    transform .06s ease,
    border-color .2s ease,
    color .2s ease,
    box-shadow .2s ease;
}
.calc-card__btn:hover {
  text-decoration: underline;
}
.calc-card__arrow {
  display: inline-block;
  flex: 0 0 auto;
  fill:#ed7e11;
}

/* Footnote beneath grid */
.card-cards__footnote-container {
    padding:2em;
}
.calc-cards__footnote {
  margin-top: 18px;
  font-size: 14px;
  color:#083553;
  text-align:center;
}
@media (max-width: 1024px) {
  .calc-cards__grid {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}
/* Responsive columns */
@media (max-width: 768px) {
  .calc-cards__grid {
    grid-template-columns: 1fr;
  }
}

/* Post Tags on cards */
.card__tax-list.meta--tags .tag-list {
  list-style: none;
  margin: 0;
  padding: 0;
}

.card__tax-list.meta--tags .tag-item {
  display: inline;
}

/* Commas between items, no trailing comma */
.card__tax-list.meta--tags .tag-item:not(:last-child)::after {
  content: ", ";
}

/* Link color + simple hover/focus */
.card__tax-list.meta--tags .tag-link {
  color: #888 !important;
  text-decoration: none;
  font-weight:bold;
  font-size:0.9em;
  margin-top:5px;
}

.card__tax-list.meta--tags .tag-link:hover,
.card__tax-list.meta--tags .tag-link:focus {
  text-decoration: underline; /* keep color the same per request */
}
.card__tax-list.meta--tags { margin-top: .5rem; }

/* Row splits left filters and right sort */
.blog-controls .filters-row {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1rem;              /* space between left and right on tight layouts */
  flex-wrap: wrap;        /* allows wrapping on small screens */
  width:100%;
}

/* Left cluster: categories + tags inline */
.blog-controls .filters-left {
  display: flex;
  align-items: center;
  gap: .75rem;            /* space between the two dropdowns */
}

/* Optional: tighten default margins for select wrappers if your theme adds some */
.blog-controls .filters-left .select-wrap { margin: 0; }