/* ============================================================
   Page Dept 2026 - theme modules (hero additions, trust_strip,
   process_steps, loan_tabs, feature_cards, cta_banner)
   Base styles (fonts, h2, .dept-subtitle, .hero-button) come from the
   dept-templates-2026 plugin stylesheet.
============================================================ */

/* Keep in-page anchors clear of the fixed site header. */
.dept-templates-2026-page [id] {
    scroll-margin-top: 120px;
}

.dept-templates-2026.process-steps,
.dept-templates-2026.loan-tabs,
.dept-templates-2026.feature-cards,
.dept-templates-2026.cta-banner {
    padding: 90px 0;
}

/* ============================================================
   HERO ADDITIONS
============================================================ */
.dept-templates-2026.hero .hero-eyebrow {
    margin: 0 0 18px;
    font-size: 16px;
    letter-spacing: .08em;
}

.dept-templates-2026.hero .hero-tagline {
    margin: 22px 0 0;
    font-size: 15px;
    line-height: 24px;
    color: #6B7480;
}

/* Landing Quiz ([gf_landing_quiz]) draws its own card: undo the hero form card styles. */
#hero_form_dept .gf-landing-quiz {
    width: 100%;
    max-width: 560px;
}

#hero_form_dept .gf-landing-quiz form {
    padding: 0 !important;
    border: none;
    border-radius: 0;
    background: transparent;
    box-shadow: none;
    overflow: visible;
}

/* The plugin hides the hero form on mobile; keep the Quiz visible, since CTAs scroll to it. */
@media (max-width: 768px) {
    #hero_form_dept:has(.gf-landing-quiz) {
        display: block;
        width: 100%;
        margin-top: 36px;
    }
}

/* ============================================================
   TRUST STRIP
============================================================ */
.dept-templates-2026.trust-strip .ts-band {
    border-top: 1px solid #E4E7EB;
    border-bottom: 1px solid #E4E7EB;
    background: #f3f5f7;
}

.dept-templates-2026.trust-strip .ts-grid {
    display: flex;
    align-items: stretch;
    padding-top: 28px;
    padding-bottom: 28px;
}

.dept-templates-2026.trust-strip .ts-note,
.dept-templates-2026.trust-strip .ts-item {
    flex: 1 1 0;
    margin: 0;
    padding: 0 28px;
    border-left: 1px solid #D9DEE3;
}

.dept-templates-2026.trust-strip .ts-note {
    padding-left: 0;
    border-left: none;
    font-size: 15px;
    line-height: 22px;
}

.dept-templates-2026.trust-strip .ts-note-eyebrow {
    display: block;
    margin-bottom: 4px;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: .08em;
    color: #BE0C0C;
}

.dept-templates-2026.trust-strip .ts-note strong {
    display: block;
    font-size: 18px;
    line-height: 25px;
    color: #444;
}

.dept-templates-2026.trust-strip .ts-item {
    display: flex;
    gap: 12px;
    align-items: flex-start;
}

.dept-templates-2026.trust-strip .ts-mark {
    font-size: 18px;
    line-height: 22px;
    color: #BE0C0C;
}

.dept-templates-2026.trust-strip .ts-item strong {
    display: block;
    font-size: 16px;
    line-height: 22px;
    color: #444;
}

.dept-templates-2026.trust-strip .ts-item small {
    display: block;
    margin-top: 4px;
    font-size: 14px;
    line-height: 20px;
    color: #5D6671;
}

.dept-templates-2026.trust-strip .ts-nav {
    border-bottom: 1px solid #E4E7EB;
    background: #FFF;
}

.dept-templates-2026.trust-strip .ts-nav-inner {
    display: flex;
    flex-wrap: wrap;
    align-items: center;
    gap: 8px 34px;
    padding-top: 18px;
    padding-bottom: 18px;
}

.dept-templates-2026.trust-strip .ts-nav-label {
    font-size: 13px;
    font-weight: 700;
    letter-spacing: .12em;
    text-transform: uppercase;
    color: #6B7480;
}

.dept-templates-2026.trust-strip .ts-nav a {
    font-size: 15px;
    font-weight: 600;
    color: #444;
    text-decoration: none;
    border-bottom: 2px solid transparent;
    transition: color .2s ease, border-color .2s ease;
}

.dept-templates-2026.trust-strip .ts-nav a:hover,
.dept-templates-2026.trust-strip .ts-nav a:focus-visible {
    color: #BE0C0C;
    border-bottom-color: #BE0C0C;
}

.dept-templates-2026.trust-strip .ts-nav a.ts-nav-cta {
    margin-left: auto;
    color: #BE0C0C;
}

/* ============================================================
   FEATURE CARDS
============================================================ */
.dept-templates-2026.feature-cards {
    background: #FFF;
}

.dept-templates-2026.feature-cards .fc-grid {
    display: grid;
    grid-template-columns: 1fr 1.15fr;
    gap: 70px;
    align-items: start;
}

.dept-templates-2026.feature-cards h2 {
    margin-top: 15px;
}

.dept-templates-2026.feature-cards .fc-caption {
    margin: 0;
    font-size: 18px;
    line-height: 30px;
}

.dept-templates-2026.feature-cards .fc-cards {
    display: flex;
    flex-direction: column;
    gap: 18px;
}

.dept-templates-2026.feature-cards .fc-card {
    display: flex;
    gap: 24px;
    align-items: flex-start;
    padding: 26px 28px;
    border: 1px solid #E4E7EB;
    border-radius: 10px;
    background: #f9fafb;
}

.dept-templates-2026.feature-cards .fc-marker {
    flex: 0 0 auto;
    min-width: 64px;
    font-size: 26px;
    font-weight: 700;
    line-height: 1.1;
    color: #BE0C0C;
}

.dept-templates-2026.feature-cards .fc-card h3 {
    margin-bottom: 6px;
    font-size: 20px;
    color: #444;
}

.dept-templates-2026.feature-cards .fc-card p {
    margin: 0;
    font-size: 16px;
    line-height: 26px;
}

.dept-templates-2026.process-steps h2,
.dept-templates-2026.loan-tabs h2 {
    margin-top: 15px;
}

.dept-templates-2026 .ps-caption,
.dept-templates-2026 .ltab-caption {
    max-width: 760px;
    margin: 0 0 50px;
    font-size: 18px;
    line-height: 30px;
}

/* ============================================================
   PROCESS STEPS
============================================================ */
.dept-templates-2026 .ps-list {
    display: grid;
    grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
    gap: 30px;
    margin: 0;
    padding: 0;
    list-style: none;
    counter-reset: none;
}

.dept-templates-2026 .ps-item {
    position: relative;
    margin: 0;
    padding: 28px 0 0;
    border-top: 2px solid #E4E7EB;
}

.dept-templates-2026 .ps-item::before {
    content: "";
    position: absolute;
    top: -2px;
    left: 0;
    width: 48px;
    height: 2px;
    background: #BE0C0C;
}

.dept-templates-2026 .ps-number {
    display: block;
    margin-bottom: 14px;
    font-size: 36px;
    font-weight: 700;
    line-height: 1;
    color: #BE0C0C;
}

.dept-templates-2026 .ps-item h3 {
    margin-bottom: 10px;
    font-size: 20px;
    color: #444;
}

.dept-templates-2026 .ps-item p {
    margin: 0;
    font-size: 16px;
    line-height: 26px;
}

/* ============================================================
   LOAN TABS
============================================================ */
.dept-templates-2026.loan-tabs {
    background-color: #f3f5f7;
}

.dept-templates-2026 .ltab-tablist {
    display: flex;
    gap: 10px;
    margin-bottom: 0;
}

.dept-templates-2026 .ltab-tab {
    display: flex;
    flex: 1 1 0;
    align-items: baseline;
    gap: 10px;
    padding: 18px 24px;
    border: 1px solid #DFDFDF;
    border-bottom: none;
    border-radius: 8px 8px 0 0;
    background: #E9EDF1;
    color: #5D6671;
    font-family: "Open Sans", sans-serif;
    font-size: 18px;
    font-weight: 600;
    text-align: left;
    cursor: pointer;
    transition: background-color .2s ease, color .2s ease;
}

.dept-templates-2026 .ltab-tab:hover {
    color: #444;
}

.dept-templates-2026 .ltab-tab:focus-visible {
    outline: 2px solid #BE0C0C;
    outline-offset: -2px;
}

.dept-templates-2026 .ltab-tab.is-active {
    background: #FFF;
    color: #444;
}

.dept-templates-2026 .ltab-tab-number {
    font-size: 14px;
    font-weight: 700;
    color: #BE0C0C;
}

.dept-templates-2026 .ltab-panel {
    display: grid;
    grid-template-columns: 1.1fr 1fr;
    gap: 60px;
    padding: 50px;
    border: 1px solid #DFDFDF;
    border-radius: 0 0 8px 8px;
    background: #FFF;
    box-shadow: 0 8px 20px 0 rgba(0, 0, 0, 0.06);
}

.dept-templates-2026 .ltab-panel[hidden] {
    display: none;
}

.dept-templates-2026 .ltab-panel:focus-visible {
    outline: 2px solid #BE0C0C;
    outline-offset: 2px;
}

.dept-templates-2026 .ltab-eyebrow {
    display: block;
    margin-bottom: 15px;
    font-size: 14px;
    font-weight: 700;
    letter-spacing: .08em;
    text-transform: uppercase;
    color: #BE0C0C;
}

.dept-templates-2026 .ltab-panel h3 {
    font-size: 32px;
    font-weight: 700;
    line-height: 1.2;
    color: #444;
}

.dept-templates-2026 .ltab-panel p {
    margin: 0;
}

.dept-templates-2026 .ltab-panel .hero-button {
    padding: 13px 40px;
    font-size: 18px;
}

.dept-templates-2026 .ltab-rows {
    margin: 0;
}

.dept-templates-2026 .ltab-row {
    padding: 16px 0;
    border-bottom: 1px solid #E4E7EB;
}

.dept-templates-2026 .ltab-row:first-child {
    padding-top: 0;
}

.dept-templates-2026 .ltab-row:last-child {
    border-bottom: none;
}

.dept-templates-2026 .ltab-row dt {
    margin-bottom: 4px;
    font-size: 13px;
    font-weight: 700;
    letter-spacing: .06em;
    text-transform: uppercase;
    color: #5D6671;
}

.dept-templates-2026 .ltab-row dd {
    margin: 0;
    font-size: 17px;
    line-height: 26px;
    font-weight: 600;
    color: #444;
}

.dept-templates-2026 .ltab-callout {
    margin-top: 24px;
    padding: 22px 28px;
    border-left: 4px solid #BE0C0C;
    border-radius: 8px;
    background: #FFF;
    font-size: 17px;
    line-height: 28px;
}

.dept-templates-2026 .ltab-callout p {
    margin: 0;
}

.dept-templates-2026 .ltab-callout a {
    font-weight: 700;
    color: #BE0C0C;
}

.dept-templates-2026 .ltab-footnote {
    margin-top: 36px;
    font-size: 13px;
    line-height: 21px;
    color: #6B7480;
}

.dept-templates-2026 .ltab-footnote p {
    margin: 0;
    font-size: 13px;
    line-height: 21px;
}

/* ============================================================
   CTA BANNER
============================================================ */
.dept-templates-2026.cta-banner {
    text-align: center;
}

.dept-templates-2026.cta-banner .dept-inner {
    max-width: 860px;
}

.dept-templates-2026.cta-banner h2 {
    margin: 15px 0 20px;
}

.dept-templates-2026.cta-banner .cta-text {
    margin: 0 auto;
    font-size: 18px;
    line-height: 30px;
}

.dept-templates-2026.cta-banner .cta-actions {
    display: flex;
    flex-direction: column;
    align-items: center;
    gap: 20px;
}

.dept-templates-2026.cta-banner .cta-phone {
    margin: 0;
    font-size: 18px;
}

.dept-templates-2026.cta-banner .cta-phone span {
    margin-right: 6px;
}

.dept-templates-2026.cta-banner .cta-phone a {
    font-weight: 700;
    text-decoration: underline;
}

/* Panel (default): white card with a red accent on a light gray band */
.dept-templates-2026.cta-banner--panel {
    background: #f3f5f7;
    text-align: left;
}

.dept-templates-2026.cta-banner--panel .dept-inner {
    display: grid;
    grid-template-columns: 1.4fr 1fr;
    gap: 50px;
    align-items: center;
    max-width: 1140px;
    padding: 60px 64px;
    border: 1px solid #E4E7EB;
    border-top: 4px solid #BE0C0C;
    border-radius: 14px;
    background: #FFF;
    box-shadow: 0 12px 32px 0 rgba(17, 24, 39, 0.06);
}

.dept-templates-2026.cta-banner--panel h2 {
    margin-bottom: 15px;
}

.dept-templates-2026.cta-banner--panel .cta-text {
    margin: 0;
}

.dept-templates-2026.cta-banner--panel .cta-actions {
    align-items: flex-start;
    padding-left: 50px;
    border-left: 1px solid #E4E7EB;
}

.dept-templates-2026.cta-banner--panel a.hero-button {
    margin-top: 0;
}

.dept-templates-2026.cta-banner--panel .cta-phone {
    color: #5D6671;
}

.dept-templates-2026.cta-banner--panel .cta-phone a {
    color: #BE0C0C;
}

/* Red */
.dept-templates-2026.cta-banner--red {
    background: #BE0C0C;
}

/* Dark */
.dept-templates-2026.cta-banner--dark {
    background: #1F2933;
}

.dept-templates-2026.cta-banner--red,
.dept-templates-2026.cta-banner--red h2,
.dept-templates-2026.cta-banner--red .dept-subtitle,
.dept-templates-2026.cta-banner--red .cta-text,
.dept-templates-2026.cta-banner--red .cta-phone a,
.dept-templates-2026.cta-banner--dark,
.dept-templates-2026.cta-banner--dark h2,
.dept-templates-2026.cta-banner--dark .dept-subtitle,
.dept-templates-2026.cta-banner--dark .cta-text,
.dept-templates-2026.cta-banner--dark .cta-phone a {
    color: #FFF;
}

.dept-templates-2026.cta-banner--red a.hero-button,
.dept-templates-2026.cta-banner--red a.hero-button:hover {
    background: #FFF !important;
    color: #BE0C0C;
}

/* Light */
.dept-templates-2026.cta-banner--light {
    background: #f3f5f7;
}

.dept-templates-2026.cta-banner--light .cta-phone a {
    color: #BE0C0C;
}

/* ============================================================
   RESPONSIVE
============================================================ */
@media (min-width: 769px) and (max-width: 1180px) {
    .dept-templates-2026.trust-strip .dept-inner,
    .dept-templates-2026.process-steps .dept-inner,
    .dept-templates-2026.loan-tabs .dept-inner,
    .dept-templates-2026.feature-cards .dept-inner,
    .dept-templates-2026.cta-banner .dept-inner {
        padding-left: 30px;
        padding-right: 30px;
    }

    .dept-templates-2026.cta-banner--panel {
        padding-left: 30px;
        padding-right: 30px;
    }

    .dept-templates-2026.cta-banner--panel .dept-inner {
        padding: 50px 44px;
    }
}

@media (max-width: 1024px) {
    .dept-templates-2026.trust-strip .ts-grid {
        flex-wrap: wrap;
        row-gap: 22px;
    }

    .dept-templates-2026.trust-strip .ts-note {
        flex-basis: 100%;
    }

    .dept-templates-2026.trust-strip .ts-item:nth-child(2) {
        padding-left: 0;
        border-left: none;
    }

    .dept-templates-2026.feature-cards .fc-grid,
    .dept-templates-2026.cta-banner--panel .dept-inner {
        grid-template-columns: 1fr;
        gap: 36px;
    }

    .dept-templates-2026.cta-banner--panel .cta-actions {
        padding-left: 0;
        border-left: none;
    }

    .dept-templates-2026 .ltab-panel {
        grid-template-columns: 1fr;
        gap: 35px;
        padding: 35px;
    }
}

@media (max-width: 768px) {
    .dept-templates-2026.process-steps,
    .dept-templates-2026.loan-tabs,
    .dept-templates-2026.feature-cards,
    .dept-templates-2026.cta-banner {
        padding: 60px 26px;
    }

    .dept-templates-2026.trust-strip {
        padding: 0;
    }

    .dept-templates-2026.trust-strip .dept-inner {
        padding-left: 26px;
        padding-right: 26px;
    }

    .dept-templates-2026.trust-strip .ts-grid {
        flex-direction: column;
    }

    .dept-templates-2026.trust-strip .ts-item {
        padding: 0;
        border-left: none;
    }

    .dept-templates-2026.trust-strip .ts-nav-inner {
        gap: 10px 22px;
    }

    .dept-templates-2026.trust-strip .ts-nav-label {
        flex-basis: 100%;
    }

    .dept-templates-2026.trust-strip .ts-nav a.ts-nav-cta {
        margin-left: 0;
    }

    .dept-templates-2026.feature-cards .fc-card {
        flex-direction: column;
        gap: 10px;
        padding: 22px;
    }

    .dept-templates-2026.cta-banner--panel {
        padding: 50px 18px;
    }

    .dept-templates-2026.cta-banner--panel .dept-inner {
        padding: 36px 24px;
    }

    .dept-templates-2026.cta-banner--panel a.hero-button {
        display: block;
        width: 100%;
        padding: 14px 20px;
    }

    .dept-templates-2026 .ps-list {
        grid-template-columns: 1fr;
        gap: 26px;
    }

    .dept-templates-2026 .ltab-tablist {
        flex-direction: column;
        gap: 6px;
        margin-bottom: 6px;
    }

    .dept-templates-2026 .ltab-tab {
        padding: 14px 18px;
        border-bottom: 1px solid #DFDFDF;
        border-radius: 8px;
        font-size: 16px;
    }

    .dept-templates-2026 .ltab-tab.is-active {
        border-color: #BE0C0C;
    }

    .dept-templates-2026 .ltab-panel {
        padding: 26px 20px;
        border-radius: 8px;
    }

    .dept-templates-2026 .ltab-panel h3 {
        font-size: 26px;
    }

    .dept-templates-2026 .ltab-panel .hero-button {
        display: block;
        padding: 13px 20px;
    }
}